Dr. B.C. Gupta, Presiding Member—This revision petition has been filed under section 21(b) of the Consumer Protection Act, 1986 against the order dated 22.03.2011, passed by the Tamilnadu State Consumer Disputes Redressal Commission (hereinafter referred to as ‘the State Commission’) in First Appeal No. 471/2008, “Special Officer, Primary Agricultural Co-op & Rural Development Bank Ltd. (hereinafter referred to as Bank) vs A.G. Kalia Perumal & Ors.”, vide which, while dismissing the appeal, the order dated 23.01.2008, passed by the District Forum Tiruvarur in consumer complaint No. 22/2006, filed by the complainant/respondent No. 1 A.G. Kalia Perumal, allowing the said complaint, was upheld.

2. Briefly stated, the facts of the case are that the complainant/respondent No. 1 A.G. Kalia Perumal stated in his consumer complaint No. 22/2006 filed before the District Forum that he obtained a loan of Rs.1,63,000/- from the petitioner Bank in May 1994 for purchase of a tractor. The said loan was to be discharged within 9 years by making payment of Rs.34,150/- per year with interest @12% p.a. According to the complainant, he discharged the entire debt within a period of 6 years by sel