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2024 Supreme(Online)(NCDRC) 2592
Date of filing :28.02.2019 Date of order :30.05.2024 MAHARASHTRA STATE CONSUMER DISPUTE REDRESSAL COMMISSION,MUMBAI, BENCH AT AURANGABAD.
1) FIRST APPEAL NO. : 772 OF 2019 IN COMPLAINT CASE NO.: 32 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Sumanbai S/o Anandrao Pawar, Appellant R/o Nivgha, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Nanded District Central Co-operative (Adv.N.P.Wangikar)
Bank, Tq.Mudkhed, Dist.Nanded.
2) FIRST APPEAL NO. : 773 OF 2019 IN COMPLAINT CASE NO.: 33 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Madhukar s/o Anandrao Pawar, Appellant R/o Nivgha, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
Nanded District Central Co-operative (Adv.N.P.Wangikar)
Bank, Tq.Mudkhed, Dist.Nanded.
3) FIRST APPEAL NO. : 774 OF 2019 IN COMPLAINT CASE NO.: 34 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Dinesh s/o Digambar Pawar, Appellant R/o Nivgha, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Nanded District Central Co-operative (Adv.N.P.Wangikar)
Bank, Tq.Mudkhed, Dist.Nanded.
4) FIRST APPEAL NO. : 775 OF 2019 IN COMPLAINT CASE NO.: 35 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Rajesh s/o Honaji Pawar, Appellant R/o Nivgha, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Nanded District Central Co-operative (Adv.N.P.Wangikar)
Bank, Tq.Mudkhed, Dist.Nanded.
5) FIRST APPEAL NO. : 776 OF 2019 IN COMPLAINT CASE NO.: 36 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Raosaheb s/o Nana Pawar, Appellant R/o Nivgha, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
Nanded District Central Co-operative (Adv.N.P.Wangikar)
Bank, Tq.Mudkhed, Dist.Nanded.
6) FIRST APPEAL NO. : 777 OF 2019 IN COMPLAINT CASE NO.: 41 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Bhagwan s/o Kishan Pawar, Appellant R/o Nivgha, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Nanded District Central Co-operative (Adv.N.P.Wangikar)
Bank, Tq.Mudkhed, Dist.Nanded.
7) FIRST APPEAL NO. : 778 OF 2019 IN COMPLAINT CASE NO.: 39 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Govind s/o Topaji Pawar, Appellant R/o Nivgha, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Maharashta Gramin Bank, (Adv.N.P.Wangikar)
Branch, Barad, Tq.Mudkhed, Dist.Nanded.
8) FIRST APPEAL NO. : 779 OF 2019 IN COMPLAINT CASE NO.: 40 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Vilas s/o Shyamrao Pawar, Appellant R/o Nivgha, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Nanded District Central Co-operative (Adv.N.P.Wangikar)
Bank, Tq.Mudkhed, Dist.Nanded.
9) FIRST APPEAL NO. : 780 OF 2019 IN COMPLAINT CASE NO.: 37 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Bhagwan s/o Ganpatrao Pawar, Appellant R/o Nivgha, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
Maharashtra Gramin Bank, (Adv.N.P.Wangikar)
Branch Barad, Tq.Mudkhed, Dist.Nanded. 10) FIRST APPEAL NO. : 781 OF 2019 IN COMPLAINT CASE NO.: 42 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Uttam s/o Anandrao Pawar, Appellant R/o Nivgha, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Nanded District Central Co-operative (Adv.N.P.Wangikar)
Bank, Tq.Mudkhed, Dist.Nanded.
11) FIRST APPEAL NO. : 782 OF 2019 IN COMPLAINT CASE NO.: 43 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Laxmibai s/o Vishwanath Pawar, Appellant R/o Nivgha, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Nanded District Central Co-operative (Adv.N.P.Wangikar)
Bank, Tq.Mudkhed, Dist.Nanded.
12) FIRST APPEAL NO. : 783 OF 2019 IN COMPLAINT CASE NO.: 44 OF 2018 DISTRICT CONSUMER FORUM : NANDED. Balaji Gangadhar Pawar, Appellant R/o Nivgha, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Nanded District Central Co-operative (Adv.N.P.Wangikar)
Bank, Tq.Mudkhed, Dist.Nanded.
13) FIRST APPEAL NO. : 784 OF 2019 IN COMPLAINT CASE NO.: 45 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Prakash s/o Shyamrao Pawar, Appellant R/o Nivgha, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Maharashtra Gramin Bank, (Adv.N.P.Wangikar)
Branch Barad, Tq.Mudkhed, Dist.Nanded. 14) FIRST APPEAL NO. : 785 OF 2019 IN COMPLAINT CASE NO.: 46 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Ashok s/o Digambar Pawar, Appellant R/o Nivgha, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
Maharashtra Gramin Bank, (Adv.N.P.Wangikar)
Branch Barad, Tq.Mudkhed, Dist.Nanded.
15) FIRST APPEAL NO. : 786 OF 2019 IN COMPLAINT CASE NO.: 47 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Sanjay s/o Shyamrao Pawar, Appellant R/o Nivgha, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Maharashtra Gramin Bank, (Adv.N.P.Wangikar)
Branch Barad, Tq.Mudkhed, Dist.Nanded. 16) FIRST APPEAL NO. : 787 OF 2019 IN COMPLAINT CASE NO.: 48 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Veyankati s/o Topaji Pawar, Appellant R/o Nivgha, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Nanded District Central Co-operative (Adv.N.P.Wangikar)
Bank, Tq.Mudkhed, Dist.Nanded.
17) FIRST APPEAL NO. : 788 OF 2019 IN COMPLAINT CASE NO.: 49 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Prakash s/o Shyamrao Pawar, Appellant R/o Nivgha, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Nanded District Central Co-operative (Adv.N.P.Wangikar)
Bank, Tq.Mudkhed, Dist.Nanded.
18) FIRST APPEAL NO. : 789 OF 2019 IN COMPLAINT CASE NO.: 50 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Irbaji s/o Vishwanath Pawar, Appellant R/o Nivgha, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Nanded District Central Co-operative (Adv.N.P.Wangikar)
Bank, Tq.Mudkhed, Dist.Nanded.
19) FIRST APPEAL NO. : 790 OF 2019 IN COMPLAINT CASE NO.: 51 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Navnath s/o Prabhakar Shinde, Appellant R/o Nivgha, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Nanded District Central Co-operative (Adv.N.P.Wangikar)
Bank, Tq.Mudkhed, Dist.Nanded.
20) FIRST APPEAL NO. : 791 OF 2019 IN COMPLAINT CASE NO.: 52 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Chandrakant s/o Jankiram Deshmukh, Appellant R/o Barad, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Maharashtra Gramin Bank, (Adv.N.P.Wangikar)
Branch Barad, Tq.Mudkhed, Dist.Nanded. 21) FIRST APPEAL NO. : 792 OF 2019 IN COMPLAINT CASE NO.: 53 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Shaikh Akhlaf s/o Altaf Inamdar, Appellant R/o Pardi Vaijapur, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Maharashtra Gramin Bank, (Adv.N.P.Wangikar)
Branch Barad, Tq.Mudkhed, Dist.Nanded. 22) FIRST APPEAL NO. : 793 OF 2019 IN COMPLAINT CASE NO.: 54 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Shaikh Altaf s/o Pashamiya Inmardar, Appellant R/o Pardi Vaijapur, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
Maharashtra Gramin Bank, (Adv.N.P.Wangikar)
Branch Barad, Tq.Mudkhed, Dist.Nanded. 23) FIRST APPEAL NO. : 794 OF 2019 IN COMPLAINT CASE NO.: 55 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Ushatai s/o Suryanarayan Deshmukh, Appellant R/o Pardi Vaijapur, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Maharashtra Gramin Bank, (Adv.N.P.Wangikar)
Branch Barad, Tq.Mudkhed, Dist.Nanded. 24) FIRST APPEAL NO. : 815 OF 2019 IN COMPLAINT CASE NO.: 56 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Shaikh Altaf s/o Layak Altaf Inamdar, Appellant R/o Pardi Vaijapur, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Maharashtra Gramin Bank, (Adv.N.P.Wangikar)
Branch Barad, Tq.Mudkhed, Dist.Nanded. 25) FIRST APPEAL NO. : 816 OF 2019 IN COMPLAINT CASE NO.: 59 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Vimalbai s/o Baburao Kadam, Appellant R/o Barad, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Maharashtra Gramin Bank, (Adv.N.P.Wangikar)
Branch Barad, Tq.Mudkhed, Dist.Nanded. 26) FIRST APPEAL NO. : 817 OF 2019 IN COMPLAINT CASE NO.: 60 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Sheshrao s/o Nivrutti Munde, Appellant R/o Barad, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Maharashtra Gramin Bank, (Adv.N.P.Wangikar)
Branch Barad, Tq.Mudkhed, Dist.Nanded. 27) FIRST APPEAL NO. : 818 OF 2019 IN COMPLAINT CASE NO.: 61 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Gangadhar Ganpati Amdurkar, Appellant R/o Barad, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
Maharashtra Gramin Bank, (Adv.N.P.Wangikar)
Branch Barad, Tq.Mudkhed, Dist.Nanded.
28) FIRST APPEAL NO. : 819 OF 2019 IN COMPLAINT CASE NO.: 63 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Vibha s/o Kedarnath Deshmukh, Appellant R/o Barad, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Maharashtra Gramin Bank, (Adv.N.P.Wangikar)
Branch Barad, Tq.Mudkhed, Dist.Nanded. 29) FIRST APPEAL NO. : 820 OF 2019 IN COMPLAINT CASE NO.: 64 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Sahebrao s/o Bhimrao Deshmukh, Appellant R/o Barad, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Maharashtra Gramin Bank, (Adv.N.P.Wangikar)
Branch Barad, Tq.Mudkhed, Dist.Nanded. 30) FIRST APPEAL NO. : 821 OF 2019 IN COMPLAINT CASE NO.: 65 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Kedarnath s/o Wamanrao Deshmukh, Appellant R/o Barad, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Maharashtra Gramin Bank, (Adv.N.P.Wangikar)
Branch Barad, Tq.Mudkhed, Dist.Nanded. 31) FIRST APPEAL NO. : 822 OF 2019 IN COMPLAINT CASE NO.: 66 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Sandhyatai s/o Prakashrao Deshmukh, Appellant R/o Barad, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Maharashtra Gramin Bank, (Adv.N.P.Wangikar)
Branch Barad, Tq.Mudkhed, Dist.Nanded. 32) FIRST APPEAL NO. : 823 OF 2019 IN COMPLAINT CASE NO.: 67 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Prakash s/o Konderao Deshmukh, Appellant R/o Barad, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
Maharashtra Gramin Bank, (Adv.N.P.Wangikar)
Branch Barad, Tq.Mudkhed, Dist.Nanded.
33) FIRST APPEAL NO. : 824 OF 2019 IN COMPLAINT CASE NO.: 68 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Prakash s/o Sahebrao Deshmukh, Appellant R/o Barad, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Maharashtra Gramin Bank, (Adv.N.P.Wangikar)
Branch Barad, Tq.Mudkhed, Dist.Nanded. 34) FIRST APPEAL NO. : 825 OF 2019 IN COMPLAINT CASE NO.: 69 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Ganesh s/o Shyamrao Deshmukh, Appellant R/o Barad, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Maharashtra Gramin Bank, (Adv.N.P.Wangikar)
Branch Barad, Tq.Mudkhed, Dist.Nanded. 35) FIRST APPEAL NO. : 826 OF 2019 IN COMPLAINT CASE NO.: 88 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Jagdevrao s/o Eknathrao Deshmukh, Appellant R/o Barad, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Nanded District Central Co-operative (Adv.N.P.Wangikar)
Bank, Tq.Mudkhed, Dist.Nanded.
36) FIRST APPEAL NO. : 827 OF 2019 IN COMPLAINT CASE NO.: 89 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Pornima s/o Dinesh Pawar, Appellant R/o Nivgha , Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Maharashtra District Central (Adv.N.P.Wangikar)
Co-operative Bank, Tq.Mudkhed, Dist.Nanded.
37) FIRST APPEAL NO. : 828 OF 2019 IN COMPLAINT CASE NO.: 91 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Avinash s/o Ramrao Deshmukh, Appellant R/o Barad, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Maharashtra Gramin Bank, (Adv.N.P.Wangikar)
Branch Barad, Tq.Mudkhed, Dist.Nanded. 38) FIRST APPEAL NO. : 829 OF 2019 IN COMPLAINT CASE NO.: 92 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Shantabai s/o Ramrao Deshmukh, Appellant R/o Barad, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Maharashtra Gramin Bank, (Adv.N.P.Wangikar)
Branch Barad, Tq.Mudkhed, Dist.Nanded. 39) FIRST APPEAL NO. : 830 OF 2019 IN COMPLAINT CASE NO.: 93 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Nirmalabai s/o Narayan Bole, Appellant R/o Chabara, Tq. Hadgaon, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Maharashtra Gramin Bank, (Adv.N.P.Wangikar)
Branch Barad, Tq.Mudkhed, Dist.Nanded. 40) FIRST APPEAL NO. : 831 OF 2019 IN COMPLAINT CASE NO.: 94 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Gangabai s/o Prakash Bole, Appellant R/o Chabara, Tq. Hadgaon, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
Maharashtra Gramin Bank, (Adv.N.P.Wangikar)
Branch Barad, Tq.Mudkhed, Dist.Nanded. 41) FIRST APPEAL NO. : 832 OF 2019 IN COMPLAINT CASE NO.: 95 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Ramrao s/o Pundlikrao Deshmukh, Appellant R/o Barad, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Maharashtra Gramin Bank, (Adv.N.P.Wangikar)
Branch Barad, Tq.Mudkhed, Dist.Nanded. 42) FIRST APPEAL NO. : 833 OF 2019 IN COMPLAINT CASE NO.: 96 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Devakabai s/o Sambhaji Karale, Appellant R/o Barad, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Maharashtra Gramin Bank, (Adv.N.P.Wangikar)
Branch Barad, Tq.Mudkhed, Dist.Nanded. 43) FIRST APPEAL NO. : 834 OF 2019 IN COMPLAINT CASE NO.: 97 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Vinod s/o Ramrao Deshmukh, Appellant R/o Barad, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Maharashtra Gramin Bank, (Adv.N.P.Wangikar)
Branch Barad, Tq.Mudkhed, Dist.Nanded. 44) FIRST APPEAL NO. : 835 OF 2019 IN COMPLAINT CASE NO.: 98 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Mangal s/o Ambadas Pawar, Appellant R/o Nivgha, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Maharashtra Gramin Bank, (Adv.N.P.Wangikar)
Branch Barad, Tq.Mudkhed, Dist.Nanded. 45) FIRST APPEAL NO. : 836 OF 2019 IN COMPLAINT CASE NO.: 120 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Narmadabai s/o Kachrulal Darak, Appellant R/o Barad, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
Maharashtra Gramin Bank, (Adv.N.P.Wangikar)
Branch Barad, Tq.Mudkhed, Dist.Nanded. 46) FIRST APPEAL NO. : 837 OF 2019 IN COMPLAINT CASE NO.: 121 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Meerabai s/o Nandkishor Darak, Appellant R/o Barad, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Maharashtra Gramin Bank, (Adv.N.P.Wangikar)
Branch Barad, Tq.Mudkhed, Dist.Nanded. 47) FIRST APPEAL NO. : 838 OF 2019 IN COMPLAINT CASE NO.: 122 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Chandraprakash s/o Nandkishor Darak, Appellant R/o Barad, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Maharashtra Gramin Bank, (Adv.N.P.Wangikar)
Branch Barad, Tq.Mudkhed, Dist.Nanded. 48) FIRST APPEAL NO. : 839 OF 2019 IN COMPLAINT CASE NO.: 124 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Kachrulal s/o Ramchandra Darak, Appellant R/o Barad, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Maharashtra Gramin Bank, (Adv.N.P.Wangikar)
Branch Barad, Tq.Mudkhed, Dist.Nanded. 49) FIRST APPEAL NO. : 840 OF 2019 IN COMPLAINT CASE NO.: 127 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Shivaji s/o Subhanrao Kuttekar, Appellant R/o Shemboli, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
2. The Manager, Respondent No.2 Maharashtra Gramin Bank, (Adv.N.P.Wangikar)
Branch Barad, Tq.Mudkhed, Dist.Nanded. 50) FIRST APPEAL NO. : 841 OF 2019 IN COMPLAINT CASE NO.: 128 OF 2018 DISTRICT CONSUMER FORUM : NANDED.
Shivaji s/o Subhanrao Kuttekar, Appellant R/o Barad, Tq. Mukhed, (Adv.A.G.Vasmatkar)
Dist.Nanded.
VERSUS
1. Divisional Manager, Respondent No.1 TATA AIG Insurance Company, (Adv.R.H.Dahat)
Pennisula Business Park, Tower A, 15th floor, G.K.Marg, Lower Parel, Mumbai.
Maharashtra Gramin Bank, (Adv.N.P.Wangikar)
Branch Barad, Tq.Mudkhed, Dist.Nanded.
CORAM : Mr.Milind.S.Sonawane, Hon’ble Presiding Member.
Mrs.Dr.Nisha.A.Chavhan, Hon’ble Member.
Mr.Nagesh C.Kumbre, Hon’ble Member.
For the Petitioner: SH.VIKAS RAI
For the Respondent:
J U D G M E N T
(Delivered on 30/05/2024)
Per Mr.Milind S.Sonawane, Hon’ble Presiding Member.
In all these appeals parties to the proceedings are identical. The issues in these appeals are also identical. Therefore, we are disposing of all these appeals by way of this common judgment.
2. In all these appeals the appellants are the farmers. Respondent no.1 is the insurance company and respondent no.3 is the bank through which the appellants have taken the Weather Based Crop Insurance from respondent no.1.
3. All these appeals are challenging the correctness and legality of the judgments and orders passed by the ld. District Consumer Disputes Redressal Commission, Nanded (the ‘District Commission’ for short) in various consumer complaints (as mentioned in the title clause of this judgment) wherein the ld. District Commission held that, the complaints filed by the appellants having the delay of more than 9 months and not within the limitation period of 2 years as contemplated by S.24A of Consumer Protection Act,1986 (the ‘C.P.Act’ for short) and that the appellants have not shown any satisfactory cause to condone the delay.
4. The facts relevant to these appeals are, that the appellants, for the agriculture, year 2014-2015 took weather based crop insurance for their ‘banana’ crops from respondent no.1 through respondent no.2 bank. Though there were adverse weather conditions occurred, they did not get the crop insurance, while the other farmers got the same. Therefore, claiming it to be deficiency in service they filed consumer complaint, but there has been delay of 9 months in filing the same. The appellants furnished various reasons for such delay. The District Commission recorded a finding that, the delay of 9 months is big and the appellants have not furnished satisfactory reasons for the same. Therefore, the delay condonation application have been dismissed by the District Commission. It is against that order the appellants have come before us in this appeal.
5. Adv.R.H.Dahat for respondent no.1 submitted that, after the agriculture season of 2014-2015 was over in Oct. 2015, the limitation period of 2 years as contemplated under S.24A of the C.P.Act, for filing the consumer complaint started and it expired in Oct.2017 . All the complaints before the ld. District Commission filed with delay condonation application praying that the delay of 9 months may kindly be condoned. However, the various reasons given by the appellants in their application were not at all cogent, satisfactory and acceptable. The ld. District Commission rightly held that, the delay could not be condoned. Adv.Wangikar for respondent no.2 bank similarly submitted that, the delay is not properly explained and therefore, there is no error in the impugned judgment.
6. On the other hand Adv. Vasmatkar for the appellants submitted that, the weather based crop insurance scheme is benevolent scheme for the farmers indemnifying them of the damage / loss to their crop due to adverse weather conditions. At the end of the agriculture season, when the damage is reported by the farmers, then the insurance company, on the basis of the weather data recorded at reference weather station considers the insurance claim and decide accordingly. The farmers are not deeply aware about the rules of the scheme. They waited for their favourable consideration by the insurance company and in that process along with other reasons, they get delayed in filing the consumer complaint. It is now settled principle that, considering the benevolent nature of the provisions of the C.P. Act,1986, if the consumers get delayed in filing the complaint, that should be leniently seen. The ld. District Commission not considered this aspect and committed an error in passing the impugned judgment.
7. We agree with the above submissions of the Adv.Vasmatkar for the appellants. It is noticed that, under the scheme of weather based crop insurance the individual insured farmers are not being intimated as to what is
