STATE CONSUMER DISPUTES REDRESSAL COMMISSION U.T., CHANDIGARH [ADDITIONAL BENCH]

Appeal No. : 31 of 2025 Date of Institution : 07.01.2025 Date of Decision : 05.01.2026

1] Reliance Nippon Life Insurance Company Limited, Reliance Centre, 5^th Floor, Off. Western Express Highway, Santacruz (East), Mumbai – 400055. Now at Unit No.401-B, 402, 403 & 404, 4th Floor, Inspire BKC, G-Block, BKC Main Road, Bandra Kurla Complex, Bandra East, Mumbai – 400051

2] Reliance Nippon Life Insurance Company Limited, SCO 122-123, 2nd Floor, Sector 17-C, Chandigarh – 160017, both through their authorized signatory/Manager Legal Mr. Swapnil Malvi, Associate Vice President – Legal, Reliance Nippon Life Insurance Company Limited, available at Unit No.401-B, 402, 403 & 404, 4th Floor, Inspire BKC, G- Block, BKC Main Road, Bandra Kurla Complex, Bandra East, Mumbai – 400051 ……Appellants/Opposite Parties V e r s u s Mrs. Neelam Sobti wife of Sh. Ajay Sobti resident of House No.8, Model Town, Karnal (Haryana) 132001 …..Respondent/Complainant ==============================================================

Appeal No. : 30 of 2025 Date of Institution : 07.01.2025 Date of Decision : 05.01.2026

1] Reliance Nippon Life Insurance Company Limited, Reliance Centre, 5^th Floor, Off. Western Express Highway, Santacruz (East), Mumbai – 400055. Now at Unit No.401-B, 402, 403 & 404, 4^th Floor, Inspire BKC, G-Block, BKC Main Road, Bandra Kurla Complex, Bandra East, Mumbai – 400051

2] Reliance Nippon Life Insurance Company Limited, SCO 122-123, 2^nd Floor, Sector 17-C, Chandigarh – 160017, both through their authorized signatory/Manager Legal Mr. Swapnil Malvi, Associate Vice President – Legal, Reliance Nippon Life Insurance Company Limited, available at Unit No.401-B, 402, 403 & 404, 4th Floor, Inspire BKC, G-

Block, BKC Main Road, Bandra Kurla Complex, Bandra East, Mumbai – 400051 ……Appellants/Opposite Parties V e r s u s Mrs. Neelam Sobti wife of Sh. Ajay Sobti resident of House No.8, Model Town, Karnal (Haryana) 132001 …..Respondent/Complainant ==============================================================

Appeal No. : 32 of 2025 Date of Institution : 07.01.2025 Date of Decision : 05.01.2026

1] Reliance Nippon Life Insurance Company Limited, Reliance Centre, 5th Floor, Off. Western Express Highway, Santacruz (East), Mumbai – 400055. Now at Unit No.401-B, 402, 403 & 404, 4^th Floor, Inspire BKC, G-Block, BKC Main Road, Bandra Kurla Complex, Bandra East, Mumbai – 400051

2] Reliance Nippon Life Insurance Company Limited, SCO 122-123, 2^nd Floor, Sector 17-C, Chandigarh – 160017, both through their authorized signatory/Manager Legal Mr. Swapnil Malvi, Associate Vice President – Legal, Reliance Nippon Life Insurance Company Limited, available at Unit No.401-B, 402, 403 & 404, 4^th Floor, Inspire BKC, G- Block, BKC Main Road, Bandra Kurla Complex, Bandra East, Mumbai – 400051 ……Appellants/Opposite Parties V e r s u s Mrs. Neelam Sobti wife of Sh. Ajay Sobti resident of House No.8, Model Town, Karnal (Haryana) 132001 …..Respondent/Complainant ==============================================================

Appeal No. : 33 of 2025 Date of Institution : 07.01.2025 Date of Decision : 05.01.2026

1] Reliance Nippon Life Insurance Company Limited, Reliance Centre, 5^th Floor, Off. Western Express Highway, Santacruz (East), Mumbai – 400055. Now at Unit No.401-B, 402, 403 & 404, 4^th Floor, Inspire BKC, G-Block, BKC Main Road, Bandra Kurla Complex, Bandra East, Mumbai – 400051

2] Reliance Nippon Life Insurance Company Limited, SCO 122-123, 2nd Floor, Sector 17-C, Chandigarh – 160017, both through their authorized signatory/Manager Legal Mr. Swapnil Malvi, Associate Vice President – Legal, Reliance Nippon Life Insurance Company Limited, available at Unit No.401-B, 402, 403 & 404, 4th Floor, Inspire BKC, G- Block, BKC Main Road, Bandra Kurla Complex, Bandra East, Mumbai – 400051 ……Appellants/Opposite Parties V e r s u s Mrs. Neelam Sobti wife of Sh. Ajay Sobti resident of House No.8, Model Town, Karnal (Har