H. P. STATE CONSUMER DISPUTES REDRESSAL COMMISSION SHIMLA.

First Appeal No.: 329/2023 Date of Presentation: 19.12.2023 Order reserved on: 13.10.2025 Date of Decision: 15.10.2025 …………………………………………………………………

BHIM APP NPCI Registered Office at National Payments Corporation of India (NPCI)

1001A, B Wing, 10^th Floor, The Capital, Bandra-Kurla Complex, Bandra (East), Mumbai-400051.

…....... Appellant/Opposite Party No.1 Versus

1. Shri Jagan Nath, Son of Shri Shetu Ram, Resident of Village Nathan, Post Office Bhekhali, Tehsil and District Kullu, H.P.

........Respondent/Complainant

2. State Bank of India, Through its Branch Manager, Solan Branch, District Solan, H.P.

Also at: Corporate Centre, State Bank Bhavan, Madame Cama Road, Nariman Point, Mumbai-400021.

........Respondent/Opposite Party No.2 …………………………………………………………………

Coram Hon’ble Justice Inder Singh Mehta, President Hon’ble Ms. Yogita Dutta, Member Whether approved for reporting?¹ Yes.

For Appellant: Mr. Dhiraj Kanwar, Advocate.

For Respondent No.1: Ms. Rajbindra Kumari, Advocate, vice Mr. Sanjay Bhardwaj, Advocate For Respondent No.2: Ms. Kiran Sharma, Advocate, vice Mr. Arvind Sharma, Advocate.

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1 Whether Reporters of the