IN THE NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION NEW DELHI RESERVED ON: 27.11.2025 PRONOUNCED ON: 20.02.2026 SECOND APPEAL NO. 586 OF 2025 (Against the order dated 02.06.2025 passed in Appeal No.126/2024 Of the State Consumer Disputes Redressal Commission Bihar,Patna)

l.Tata Capital Limited(Formerly Tata Motor Finance Limited)

having its head office at Sir H.C. Dinshaw Building, Office No. 14,14th floor, 16 Horniman Circle,Fort,Mumbai and State Office at:

601, 6th Floor, Kashi Palace, Near Dak Bungalow Chowaraha,P.S.- Kotwali, District-Patna, Bihar Through its authorized representative

2. Branch Manager, Tata Capital Limited (Formerly Tata Motor Finance Limited).

Having it's Branch Office at:

1st Floor, Suzuki Bhavan, Kalambagh Road, Speaker Chowk, Muzaffarpur, BiharA

3.Branch Manager, Tata Capital Limited(Formerly Tata Motor Finance Limited)

having its Branch office at 204, S.H. Chatauni Badhai Tola, P.S.- Chatauni, Motihari,East Champaran,Bihar.

Appellants VERSUS Pramanand Prasad Kushwaha, S/O Ram Prasad Mahto, R/O Village Gola Pakariya Tola Darjiya, P.S.-Lakaura, District- East Champaran Bihar Respondent BEFORE:

HON’BLE DR. INDER JIT SINGH, PRESIDING MEMBER HON'BLE DR. JUSTICE SUDHI