ORDER

AVM J. RAJENDRA AVSM VSM (Retd), MEMBER

1. By this common order, we propose to dispose of 15 Second Appeals preferred by the Opposite Parties/Appellants, namely Reliance Nippon Life Insurance Co. Ltd, arising out of the common order dated 08.10.2024 passed by the learned State Consumer Disputes Redressal Commission, Chandigarh (State Commission) which upheld the District Consumer Disputes Redressal Commission- II, U.T. Chandigarh (“District Commission”) order dated 10.11.2023 partly allowing the complaint.

2. Details of the SAs covered in this order are as under:

3. Since the facts and questions of law involved in all the Appeals are similar, these Second Appeals are being disposed of by this common Order. For ease of reference, Second Appeal No. 31 of 2025 is being considered as the lead case, and the facts outlined below are derived from Complaint No. 449/2020.

4. Brief facts of the case, as per the complaint, are that in 2019 the Complainant was approached by the agents of OP for an investment scheme which was supposed to yield high profits. Being allured by the offers made by the agents of OP, the Complainant purchased Policy No. 53449244 namely “Reliance Nippon Life Fixed Sav