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2026 Supreme(Online)(SCDRC) 513

STATE CONSUMER DISPUTES REDRESSAL COMMISSION
BANK OF INDIA Through its MANAGER VISHNU KUMAR GOYAL – Appellant
Versus
MANGAL RAM S/o. GOPAL LAL MEENA – Respondent
SC/8/FA/521/2025



Petitioner Advocates:REETU AGARWAL ,Respondent Advocate:

le{k%&

ekuuh; Jh lqjsUnz flag] lnL; ¼U;kf;d½ ekuuh; Jherh d:.kk tSu] lnL;

vihy l[a ;k 521@2025 cSad vkWQ bf.M;k] usoVk 'kk[kk] rglhy&lkaxkusj] t;iqj tfj;s eq[; izca/kd]

fo".kq dqekj xks;yA vihykFkhZ@foi{kh cuke Jh eaxy jke iq= Jh xksiky yky eh.kk] tkfr&eh.kk] fuoklh ckM+ dh <+k.kh] xzke&iksLV usoVk] rglhy&lkaxkusj] t;iqj ¼jkt-½ izR;FkhZ@ifjoknh mifLFkr%&

vihykFkhZ@foi{kh ds vf/koDrk Jherh _rq vxzoky ,oa Jh ';ke O;kl vihy varxZr /kkjk 41 miHkkDs rk laj{k.k vf/kfu;e] 2019 fo:) vk{ksfir vkns’k fnukda 06-09-2019 ,o a fnukad 06-08-2025 tks fd ifjokn izdj.k l[a ;k 25@2018 cmuoku exa y jke cuke cSad vkWQ bf.M;k o vU; es a ftyk miHkkDs rk fookn izfrrk"s k vk;kxs ] t;ijq prqFkZ] t;iqj }kjk ikfjr fd;k x;kA cgl lquus dh fnukad %& 19-01-2026 fu.kZ; lqukus dh fnukad %& 21-01-2026 fu.kZ;

[}kjk%& ekuuh; Jh lqjsUnz flag] lnL; ¼U;kf;d½ vihykFkhZ@foi{kh cSad vkWQ bf.M;k dh vksj ls ;g vihy fo}ku ftyk miHkksDrk vk;ksx] t;iqj prqFkZ] t;iqj }kjk ifjokn izdj.k la[;k 25@2018 cuke Jh eaxy jke es a ikfjr vk{ksfir vkns’k fnukad 06-09-2019 ,oa fnukad 06-08-2025 ls O;fFkr gksdj izLrqr dh x;h gSA

02- fo}ku ftyk miHkksDrk vk;ksx }kjk ikfjr vk{kfs ir vkns’k fnukad

06-09-2019 fuEufyf[kr gS%&

^^ odhy ifjoknh mi- o foi{kh ;k foi{kh vuqifLFkrA foi{kh fiNyh dbZ ifs ’k;ksa l s vuqifLFkr pyk vk jgk gS blfy, mlds fo:) ,drjQk dk;Zokgh vey esa yk;h tkrh gSA izkFkZuk&i= ifj- fnukad- 05-08-2019 ij o ifj- dh cgl lquh x;hA mDr izkFkZuk&i= ij vkns’k es a i=k- fn0 20-09-

2019 dks is’k gksA**

03- fo}ku ftyk miHkksDrk vk;ksx }kjk fnukad 06-08-2025 dks vk{ksfir vkns’k ikfjr djrs gq, ,di{kh; dk;Zokgh ds vkns’k fnukad 06-09-2019 dks vikLr fd;s tkus dk izkFkZuk&i= vLohdkj djrs gq, [kkfjt dj fn;k x;kA 04- ;g fd mijksDr of.kZrkuqlkj vihykFkhZ@foi{kh i{k dh vksj ls mijksDr nksuksa gh vk{ksfir vkns’kk sa ls O;fFkr gksdj ;g vihy is’k dh x;h gSA fo}ku ftyk miHkksDrk vk;ksx }kjk ikfjr nksuksa gh vkns’kksa ds fo:) vihy ds ctk; fuxjkuh is’k gksuh pkfg, Fkh] vr% vihykFkhZ@foi{kh ds }kjk izLrqr bl vihy dks vihykFkhZ@foi{kh ds fuosnu ij fuxjkuh dh rjg Vªh fd;k tk jgk gSA

05- vihy@fuxjkuh ls lacaf/kr lqlaxr rF; ;g gS fd izR;FkhZ@ifjoknh eaxyjke dh vksj ls vihykFkhZ@foi{kh cSad vkWQ bf.M;k] 'kk[kk usoVk ds fo:) ,d ifjokn varxZr /kkjk 12 miHkksDrk laj{k.k vf/kfu;e] 1986 ds rgr fnukad 02-11-2017 dks bu rF;k sa dk mYys[k djrs gq, is’k fd;k x;k fd izR;FkhZ@ifjoknh eaxyjke dk vihykFkhZ@foi{kh cSad vkWQ bf.M;k 'kk[kk usoVk esa cpr [kkrk l[a ;k 660910100003815 pyk vk jgk Fkk] ftle sa izR;FkhZ@ifjoknh dks cSad [kkrs ds lac/a k esa lqfo/kk, a nh x;h] bl izdkj izR;FkhZ@ifjoknh us vius&vki dks vihykFkhZ@foi{kh cSad dk miHkksDrk gksuk crk;kA izR;FkhZ@ifjoknh dk ifjokn esa eq[; :i ls ;g dguk jgk gS fd mDr [kkrs ij mls pSd cqd Hkh tkjh dh x;h Fkh] ftlesa pSd ua- 000014 cuke Jh eaxy jke fnukad 22-08-2014 jkf’k 15]00]000@&:i;s dk Jh y{e.k eh.kk ds uke l s tkjh fd;k x;k FkkA mDr pSd fnukad 28-08-2014 o 08-09-2014 dks ifjoknh ds cSad [kkrs e sa vi;kZIr jkf’k gksus ds dkj.k vuknfjr fd;k x;k Fkk] ftldk vUnzkt foi{kh }kjk tkjh fd; s x;s cSad LVsVesaV esa Hkh miyC/k gSA blds ckn vihykFkhZ@foi{kh cSad us ifjoknh dh vuqefr o lgefr ds fcuk mlds [kkrs l s 3]50]000@&:i;s cSad vkWQ bf.M;k] gsM vkWfQl LVkj gkml] th&CykWd] IykWV ua- lh&5 ckUnzk dwjyk dkWEiyDs l] ckUnzk] eqEcbZ dks vnk dj fn;s] ftldk bUa nzkt cSad LVsVesaV o mDr jkf’k izkIrdrkZ cSad }kjk fn; s x;s jftLVMZ uksfVl esa Hkh gSA bl izdkj vihykFkhZ@foi{kh cSad dk lsoknks"k o vuQ;s j VsªM izsfDVl crkrs gq, ifjoknh vius gh 3]50]000@&:i;s ds mi;ksx miHkksx ls ofa pr gksuk crkrs gq, mDr jkf’k ifjoknh] foi{kh cSad l s izkIr djus dk vf/kdkjh crkrs gq, ,oa ifjokn es a o.khZr vuqrks"k foi{kh cSad ls fnyk;s tkus dh izkFkZuk dh x;hA

06- ifjokn dh i=koyh foi{kh ds tokc gsrq fu;r py jgh gSA 45 fnu dh le;kof/k O;rhr gksus ij Hkh tokc i’s k ugha djus ls tokc cna djds fnukad 24-10-2018 dks lk{; ifjoknh gsrq fu;r dj fn;k x;k FkkA blds ckn fnukad 06-09-2019 dks vihykFkhZ@foi{kh cSad dh vksj ls dksbZ mifLFkr ugha gksus ij muds fo:) ,drjQk dk;Zokgh dk vkns’k fn;k x;kA ifjokn dh i=koyh eas ,drj

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