IN THE DELHI STATE CONSUMER DISPUTES REDRESSAL COMMISSION Date of Institution: 06.06.2018 Date of Hearing: 31.10.2025 Date of Decision: 05.01.2026 FIRST APPEAL NO.-272/2018 IN THE MATTER OF PUNJAB NATIONAL BANK, (ERSTWHILE ORIENTAL BANK OF COMMERCE), (THROUGH ITS MANAGER/A.R.), JASOLA BRANCH, JASOLA, NEW DELHI – 110025.

(Through: Mr. Hemant Payak, Advocate)

...Appellant VERSUS

1. MR. PARTHO DAS, R/O HOUSE NO. 38 E, POCKET – 10 B, DDA LIG FLAT, JASOLA, NEW DELHI – 110025.

2. PUNJAB & SIND BANK, THROUGH ITS MANAGER /AR, BRANCH AT H BLOCK MARKET, CONNAUGHT PLACE, NEW DELHI.

(Through: Ms. Jyoti Rajshree, Advocate)

…Respondents CORAM:

HON’BLE JUSTICE SANGITA DHINGRA SEHGAL (PRESIDENT)

HON’BLE MS. PINKI, MEMBER (JUDICIAL)

Present: Mr. Hemant Payak, Counsel for the Appellant.

None for the Respondent.

PER: HON’BLE JUSTICE SANGITA DHINGRA SEHGAL, PRESIDENT

JUDGMENT

1. The facts of the case as per the District Commission record are as under:

“Briefly stated facts of the case are that the complainant has a joint account with OP-1 since 23.01.2015 along with his wife for which he held an ATM card issued by OP-1. Annexure-1 is the copy of the passbook & ATM card.

The Complainant states that he had gone to Se