IN THE NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION NEW DELHI RESERVED ON : 08.01.2026 PRONOUNCED ON : 13.04.2026RQPONMLKJIHGFEDCBA SECOND APPEAL NO. 861 OF 2025 (From the order dated 28.07.2025 in FA No. 1087/2022 of the State Consumer Disputes Redressal Commission Madhya Pradesh )

With IA /15302-15303 of 2025 ( stay, c/d)

Agriculture Insurance Company Appellant (s)

Of India Limited Block-1, 5th Floor, Plate B & C East Kidwai Nagar, New Delhi-110023 Versus

1. Bank of India Respondent(s)

Through its Branch Manager Branch Singot, Tehsil and District Khandwa M.P.-450881

2. Kunjilal s/o Nathuram, Village Pokharkala and Rajni Tehsil Pandhana, District Khandwa, M.P.-450001 SECOND APPEAL NO. 863 OF 2025 (From the order dated 24.06.2025 in FA No. 52/2022 of the State Consumer Disputes Redressal Commission Rajasthan, Circuit Bench at Bikaner)

Agriculture Insurance Company Appellant (s)

Of India Limited Upasana Towers Fourth Floor, C-98, C-Scheme, Jaipur-302001 Versus

1. State Bank of India Respondent(s)

Through its Branch Manager Branch Office Kalu Tehsil-0 Lunkaransar, Bikaner Rajasthan-334603 SA/861,863&864/2025 Page 1 of 23

3. Mangilal s/o Sheokaran r/o village Chhatasar, PH Garbadesar Tehsil L