ORDER

The present revision petition has been filed under Section 58(1)(b) of the Consumer Protection Act, 2019 (in short, ‘the Act’) challenging the impugned order dated 08.07.2021 passed by the Karnataka State Consumer Disputes Redressal Commission, Bengaluru (in short, ‘the State Commission’) in First Appeal No. 348 of 2019.

2. The brief facts of the case as narrated by the petitioner are that the respondent’s late husband R Venkataramana working with M/s Reliance Home Finance Pvt. Ltd., had availed a personal loan of Rs.4,79,000/- from the petitioner, HDFC Bank, on 28.06.2013. The respondent’s late husband had agreed to pay the loan in 48 monthly instalments and had executed a loan agreement on 28.06.2013. The respondent was holding a savings bank (SB) account with the petitioner Bank and the loan amount was credited in full to his SB account. The respondent was also maintaining a salary account with the petitioner bank and EMI of the loan was debited from this salary account. The petitioner Bank marked ‘Hold Funds’ on 03.09.2016 on the SB account and credited the available amount in the SB account to the loan account, exercising its rights to lien. The husband of the respondent