NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION NEW DELHI RESERVED ON: 11.03.2026 PRONOUNCED ON: 23.03.2026 REVISION PETITION NO.478 OF 2018 (Against the Order dated 09.10.2017 in First Appeal No.772/2016 of the State Commission, Haryana)

The United India Insurance Co. Ltd.

Through its Authorise Signatory, Regional Office-I, Kanchenjunga Building, 8^th Floor, 18, Barakhamba Road, New Delhi. … Petitioner Versus

1. Chetan Rana S/o Sh. Kanwar Pal, R/o Near Bus Stand, Village Pharal, District Karnal, Proprietor of M/s. Chetan Electronics, VPO Pharal, District Kaithal, Haryana.

2. Canara Bank, Branch Pharal, VPO Pharal, District Kaithal, Haryana, Through its Branch Manager. … Respondents BEFORE:

HON’BLE AVM J RAJENDRA AVSM VSM (Retd) PRESIDING MEMBER HONBLE MR.JUSTICE ANOOP KUMAR MENDIRATTA, MEMBER For Petitioner : Ms.Nanita Sharma, Advocate (VC)

For Respondent No.1 : Mr. Sanjeev Kumar Kakkar, Advocate Mr. Prateek Kumar, Advocate For Respondent No.2 : None (Ex-parte vide order dt.11.03.2026)

JUDGMENT

AVM JONNALAGADDA RAJENDRA, AVSM, VSM (Retd), MEMBER 1. This Revision Petition has been filed under Section 21(b) of the Consumer Protection Act, 1986 (the “Act”) against the Haryana State Consumer