JUDGMENT

Daya Chaudhary, President.—Appellant-State Bank of India has approached this Commission by way of filing the present appeal under Section 15 of the Consumer Protection Act, 1986 (in short, “The Act, 1986”) to challenge impugned order dated 08.03.2019 passed by District Consumer Disputes Redressal Forum (now, “Commission”), Patiala (in short, “The District Commission”), with the prayer that the impugned order is contrary to facts and law and same has been passed without taking into consideration the evidence and arguments of the opposite parties.

2. It would be apposite to mention that hereinafter the parties will be referred, as have been arrayed before the District Commission.

3. Briefly, the facts of the case as made out in the complaint, are that deceased Smt. Beena Garg, who was mother of complainant-Robin Garg, had allegedly opted for two Insurance Policies bearing Master Policy No.240600/42/15/8200000061 under “Pardhan Mantri Suraksha Bima Yojna” (hereinafter to be called as “PMSBY”) with National Insurance Company Limited for premium of Rs.12/- per annum and second Insurance Policy No.76001000135 under “Pardhan Mantri Jeevan Jyoti Bima Yojna” (hereinafter to be call