STATE CONSUMER DISPUTES REDRESSAL COMMISSION KARNATAKA FIRST APPEAL NO. SC/29/A/840/2021 null The Branch Manager, State Bank of India, PRESENT ADDRESS - Santekatte Branch, Maruthi Complex, Kalliapura, Santhekatte, Udupi

576105. ,KARNATAKA.

.......Appellant(s)

Versus Harish Gudigar, PRESENT ADDRESS - S/o Suresh C Gudigar, Aged 39 yrs, Narnad Madaga, Thenkabettu Post, Uppor Village, Udupi 576105. ,KARNATAKA.

.......Respondent(s)

BEFORE:

HON'BLE MR. RAVISHANKAR , JUDICIAL MEMBER HON'BLE MRS. SMT.SUNITA CHANNABASAPPA BAGEWADI , MEMBER FOR THE APPELLANT:

NEMO FOR THE RESPONDENT:

Harish Gudigar, , ARB (Advocate)

DATED: INVALID DATETIME

ORDER

BEFORE THE KARNATAKA STATE CONSUMER DISPUTES REDRESSAL COMMISSION, BANGALORE. (ADDL. BENCH)

nd DATED THIS THE 2 DAY OF APRIL, 2025 PRESENT SRI RAVI SHANKAR, JUDICIAL MEMBER SMT. SUNITA C.BAGEWADI, MEMBER APPEAL No.840/2021 The Branch Manager, State Bank of India, ... Appellant/s Santekatte Branch, Maruthi Complex, Kalliapura, Santthekatte, Udupi-576 105 (By Sri.J.Sathishkumar, Advocate)

-V/s-

Mr.Harish Gudigar, S/o Mr.Suresh C Gudigar, Aged about 39 years, … Respondent/

Narnad Madaga, Thenkabettu post, Uppor Village, Udupi-576 105 (By-Sri.A.R.Bhavani Shankar, Advocate)

O R D E R

BY SMT. SUNITA C.BAGEWADI, MEMBER This appeal is filed by the Appellant/Opposite Party being aggrieved by the order dated

14.7.2021 passed by the District Consumer Commission, Udupi in CC.No.08/2020 and prays to set-

aside the order and to allow the appeal in the interest of justice and equity.

2. The brief facts of the complaint is that, the complainant submits that he was a SB account holder with the State Bank of India at Malleshwaram Branch in Bengaluru. In the month of February, 2019, he had requested the branch to transfer his SB savings and all FDs held in his name to SBI branch at Santhekatte in Udupi as he was moving to Udupi to start his own business. Accordingly the Malleshwaram Branch of SBI had transferred the SB savings and all FDs to the SBI Santhekatte branch, Udupi. On 23.8.2019 at 8.19 a.m. the complainant received message on his mobile “Thx for INB txn of Rs.500000.00 from A/c X8985 to PARNAV rd ONL….Ref#IGAGVTYJC8 on 23 Aug.19 and on the same day another same SMS at 8.49 a.m. received to the complainant “Thx for INB txn of Rs.50010/- from A/c X8985 to PARNAV ONL….. Ref#IGAGVUAEC3”. If not done forward these SMS to 9223008333 to block INB or call

1800111109”. After seeing another message the complainant opened his online account and balance amount was showing just Rs.6360/-. Immediately he transferred the remaining amount to his HDFC bank account. Thereafter the complainant contacted the Santhekatte branch Manager and gave a complaint in writing. The branch manager after verifying the messages gave the information that an amount of Rs.4,50,010/- had been transferred by closing his FD account. These transactions had been done through Paytm and the money has been transferred to somebody at SBI, Delhi Branch and advised to file an FIR with the Cyber policy, Udupi. Accordingly the complainant filed an FIR and got FIR No.0081/2019 with the Cyber Police at Udupi Station and also the details of the FIR were published in a local daily “Udayavani” on 25-8-2019 under the heading “BANK FDgu Kanna”. Subsequently the complainant had personally visited the bank on 20-12-2019 to file his request letter to refund the deposit amounting to Rs.1,13,126/- which had already matured on 5-9- 2019. At that time the branch manager had handed over him the letter which say that the CMS team on 6.12.2019 had closed and the fraud has happened due to customers negligence and hence the customer will be liable to bear the entire loss arising out from those transactions. To reply to his letter the complainant personally handed over letter dated 21-12-2019 to the Bank Manager, SBI Santhekatte branch, Udupi as sought for explanation that how this negligence happened from his side as the original deposit receipts were with him?. However, till date the bank