AFR / NAFR CHHATTISGARH STATE CONSUMER DISPUTES REDRESSAL COMMISSION PANDRI, RAIPUR Date of Institution: 13/09/2024 Date of Final Hearing: 04/08/2025 Date of Pronouncement: 03/09/2025 APPEAL No.- FA/24/595 IN THE MATTER OF :

Kalyani Baghel, W/o. Shri Dharmendra Baghel, R/o. 65 Block, Vinayak Garden, Sector-3, Shivanand Nagar, Khamtarai, Dist. Raipur (C.G.) … Complainant/ Appellant Through: Shri Santosh Tiwari, Advocate Vs.

1. Indian Overseas Bank, Shankar Nagar Branch, Raipur, Tah. & Dist. Raipur (C.G.) … O. P. No.1/ Respondent No.1

2. Smarnika Patel, Branch Manager, Indian Overseas Bank, Shankar Nagar Branch, Raipur, Tah. & Dist. Raipur (C.G.) … O. P. No.2/ Respondent No.2

3. Anil Kumar Valecha, Senior Regional Manager, Indian Overseas Bank, Pandari Branch, Raipur, Tah. & Dist. Raipur (C.G.) … O. P. No.3/ Respondent No.3

4. Rajesh Kumar Yadav, Chief Manager, Indian Overseas Bank, Pandari Branch, Raipur, Tah. & Dist. Raipur (C.G.) … O. P. No.4/ Respondent No.4 All respondents through: Shri Saurabh Kumar Das, Advocate CORAM: -

HON’BLE SHRI JUSTICE GAUTAM CHOURDIYA, PRESIDENT HON’BLE SHRI PRAMOD KUMAR VARMA, MEMBER PRESENT: -

Shri Santosh Tiwari, Advocate for the appellant.

Shri Saurabh Kuma