IN THE DELHI STATE CONSUMER DISPUTES REDRESSAL COMMISSION Date of Institution: 15.12.2021 Date of Hearing: 13.10.2025 Date of Decision: 05.01.2026 FIRST APPEAL NO.-73/2021 IN THE MATTER OF MRS. TANUJA GUPTA W/O LATE MR. VIMAL GUPTA, RESIDENT OF H. NO. 4604, DEPUTY GANJ, SADAR BAZAR, DELHI – 110006.

(Through: Mr. Rajan Bhatia & Mr. Girraj Singh, Advocate)

...Appellant VERSUS

1. FUTURE GENERALI INDIA LIFE & INSURANCE CO. LTD., THROUGH ITS GENERAL MANAGER, 9^TH FLOOR, ROOTS TOWER, LAXMI NAGAR, DELHI – 110092.

(Through: Law Veritas North )

…Respondent no.2

2. AU SMALL FINANCES BANK LTD., THROUGH ITS GENERAL MANAGER, B – 11E, MALVIYA NAGAR INDUSTRIAL AREA, JAIPUR – 302017.

(Through: Mr. Rajiv Ranjan Dwivedi, Mr. Vishal & Mr. Kapil Chaturvedi, Advocates)

…Respondent no.2 CORAM:

HON’BLE JUSTICE SANGITA DHINGRA SEHGAL (PRESIDENT)

HON’BLE MS. PINKI, MEMBER (JUDICIAL)

Present: Mr. Girraj Singh, Counsel for the appellant (Enrl. No. D/1419/25, Email:adv.girrajsingh1979@gmail.com)

Ms. Avantika Chaturvedi, Counsel for the Respondent No. 1, (Email: litigation@lvnorth.in)

Mr. Vishal, Counsel for the Respondent No. 2 appeared through VC PER: HON’BLE JUSTICE SANGITA DHINGRA SEHGAL, PRESIDENT

JUDGMENT

1. The facts