This revision is directed against the order of the Kerala State Consumer Disputes Redressal Commission, Thiruvananthapura (in short, “the State Commission) dated 8.2.2011 in first appeal No.565/2011.

2. Briefly stated, facts relevant for the disposal of the revision petition are that the respondent filed a consumer complaint alleging that she alongwith her relative Lalitha K.P. took a loan of Rs.2 Lakh from the petitioner bank in Kishan Credit Card Scheme in October, 2004 by mortgaging their property measuring 4.72 acres. After taking of loan a debt waiver and debt relief scheme was introduced by the Central Government. It is the case of the respondent/complainant that under the said scheme the complainant was entitled to the benefit of waiver of the amount covered under the loan with interest. However, the petitioner/opposite party instead of allowing the waiver of entire amount waived the loan amount of Rs.1 Lakh and interest thereon. The respondent/complainant requested the petitioner to waive off the entire loan but in vain. Feeling aggrieved the respondent raised a consumer dispute.

3. The opposite party in its written statement denied having committed any deficiency in s