AFR / NAFR CHHATTISGARH STATE CONSUMER DISPUTES REDRESSAL COMMISSION PANDRI, RAIPUR APPEAL No.- FA/24/384 Date of Institution: 27/05/2024 Date of Final Hearing: 03/03/2025 Date of Pronouncement: 28/03/2025 IN THE MATTER OF :

Indrajeet Singh Bedi, S/o. Late Jyoti Singh Bedi, R/o. Ward No.1, Adarsh Nagar, Sitapur, Dist. Surguja (C.G.) … Complainant /Appellant Through: Shri Abhay Kumar Sinha, Advocate Vs.

Branch Manager, State Bank of India, Branch: Batauli, P.S. & Tah. Batauli, Dist. Surguja (C.G.) … Opposite party /Respondent Through: Shri N.K. Bisen, Advocate APPEAL No.- FA/24/481 Date of Institution: 16/07/2024 Date of Final Hearing: 03/03/2025 Date of Pronouncement: 28/03/2025 IN THE MATTER OF :

Branch Manager, State Bank of India, Branch: Batauli, P.S. & Tah. Batauli, Dist. Surguja (C.G.) … Opposite party /Appellant Through: Shri N.K. Bisen, Advocate Vs.

Indrajeet Singh Bedi, S/o. Late Jyoti Singh Bedi, R/o. Ward No.1, Adarsh Nagar, Sitapur, Dist. Surguja (C.G.) … Complainant / Respondent Through: Shri Abhay Kumar Sinha, Advocate CORAM: -

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

Shri Abhay Kumar Sinha, Advocate for the complainant.

Shri Abhinav Kumar Gupta, Branch Manager with Shri N.K. Bisen, Advocate for the opposite party.

O RDE R

PER: - JUSTICE GAUTAM CHOURDIYA, PRESIDENT This order will govern disposal of both these appeals, filed under Section 41 of the Consumer Protection Act, 2019 (hereinafter called “the Act” for short), arising out of the same impugned order dated 23.04.2024 passed by District Consumer Disputes Redressal Commission, Ambikapur, Surguja (C.G.) (hereinafter called the “District Commission” for short) in Complaint Case Nos.CC/2023/39, whereby the complaint was partly allowed with directions that the opposite party Bank shall, within 45 (forty five) days from the date of order, deposit the remaining difference amount of Rs.47,365.00 (forty seven thousand three hundred sixty five) for adjustment in the bank account in question of the complainant and will also pay interest on the said amount @ 8% p.a. from the date of order till the date of payment. The opposite party Bank was also directed to pay Rs.5,000.00 (five thousand) as litigation expenses and Rs.5,000.00 (five thousand) for financial and mental compensation to the complainant within 45 (forty five) days from the date of the order. Hereinafter in this order, for the purpose of convenience, the parties will be referred as per their original nomenclature before the District Commission.

2. In nutshell the facts of the case are that the complainant submitted an application to the Agricultural Machinery Department, Bilaspur for the Central Government's Centrally Sponsored Scheme for establishment of Agricultural Machinery Bank (Krishi Yantra Seva Kendra). The complainant's application was accepted and a loan of Rs.11,20,000.00 (eleven lakh twenty thousand) was sanctioned for purchasing agricultural machinery for agricultural purposes. The Central Government provided a subsidy of Rs.7,50,000.00 and the complainant was to repay a loan of Rs.3,70,000.00 (three lakh seventy thousand) only to the opposite party Bank in installments of Rs.46,250.00 (forty six thousand two hundred fifty) per year with interest in 8 years. The complainant had received subsidy of Rs.7,50,000.00 (seven lakh fifty thousand) in agricultural term loan from the Central Government on the approved loan in 2014 but even then interest was being charged on the entire amount and in this way more interest was charged from him. For which legal notice was sent by him to the opposite party bank on 25.07.2022 but even thereafter the opposite party did not pay back the excess amount of interest taken from the complainant. Then the complainant complained to the Banking Ombudsman Office Raipur on 12.04.2023. But even after personally contacting and giving legal notice to return the amount of excess amount and interest charged, t