IN THE NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION NEW DELHI Reserved on: 08.12.2025 Pronounced on: 07 .04.2026 FIRST APPEAL NO 985 of 2023 (Against the order dated 08.05.2023 passed in CC No 84/2019 by the State Commission, Odisha, Cuttack)

1. Jasoda Patel W o Ramesh Patel, aged about 50 years R/o Plot No. 43/B, Jaydurga Nagar, Bhubeneswar District Khurda Director of Kalinga Gypsum (P) Limited Incorporated under Companies Act Corporate ID No U26992012PTC016038 M ania Ucchapada, PS Tangi District Cuttack

2. Kalinga Gypsum (P) Limited M ania Ucchapada, PS Tangi District Cuttack ...Appellants V

1. Director, Universal Sampoo General Insurance Company Limited Registered and Corporate Office at Unit No. 401, 4th Floor Sangam Complex

127, Andheri Kurla Road, Andheri (East)

M umbai- 400059 M aharashtra

2. M anager, Universal Sampo General Insurance Company Limited Unit No. 25,2nd Floor Kailash Plaza, Link Road Cuttack- 753012 ...Respondents

3. Allahabad Bank, Choudwar Branch PO/PS Choudwar, District Cuttack ...Proforma Respondent FIRST APPEAL NO 271 of 2024 (Against the order dated 08.05.2023 passed in CC No 84/2019 by the State Commission, Odisha, Cuttack)

AND

1. Universal Sompo General Insur