2026 Supreme(Online)(SCDRC) 721
STATE CONSUMER DISPUTES REDRESSAL COMMISSION
STANDAR CHARTERED BANK – Appellant
Versus
GIRIRAJ INDUSTRIES – Respondent
SC/8/FA/479/2025
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vihy l[a ;k %& 479@2025 STANDARD CHARTERED BANK BRANCH-H-8, SHOW ROOM No. 1. BHAGWAT BHAWAN, MI ROAD, JAIPUR-302001, RAJASTHAN THROUGH MANAGER APPELLANT/OPPOSITE PARTY VERSUS SHRI GIRIRAJ INDUSTRIES BUSINESS OFFICE-A-85, ROAD NO.9. VISHWAKARMA INSTUSDURIES AREA, JAIPUR.
THROUGH PARTNER, SH. DWARKA DAS Pin-302013 RESPONDENT/COMPLAINANT mifLFkr%&
vihykFkhZ@foi{kh dh vksj ls Jh ftrsUnz dqekj 'kekZ] vf/koDrk izR;FkhZ@ifjoknh dh vksj l s Jh xksiky 'kkL=h] vf/koDrk cgl lquus dh fnukad %& 13-01-2026 fu.kZ; dh fnukad %& 03-02-2026 fu.kZ;
[}kjk%& ekuuh; Jh v:.k dqekj vxzoky] lnL; ¼U;kf;d½ ;g vihy vihykFkhZ@foi{kh LVs.MMZ pkVsZM cSad us izR;FkhZ@ifjoknh Jh fxjkZt b.MLVªht ds fo:) fo}ku ftyk miHkksDrk fookn izfrrks"k vk;ksx] t;iqj r`rh;] t;iqj ds }kjk ifjokn izdj.k la[;k 771@2013 cmuoku Jh cuke Jh fxjkZt b.MLVªht fxjkZt b.MLVªht cuke LVs.MMZ pkVsZM cSad esa ikfjr fu.kZ; fnukad 05-02- 2025 ds fo:) izLrqr dh gS] ftlds }kjk mUgksua s izR;FkhZ@ifjoknh dk ifjokni= fo:) vihykFkhZ@foi{kh Lohdkj dj fuEu vkns'k ikfjr fd;k%&
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1- foi{kh] ifjoknh dks jkf'k 2]03]215@&:i;s ¼v{kjs nks yk[k rhu gtkj nks lkS iUæg :i;s½] ifjokn çLrqfr fnukad 29-06-2011 ls rkavnk;xh
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2- foi{kh] ifjoknh dks jkf'k 1]87]00]000@&:i;s ij 11-5 çfr'kr okÆ"kd C;kt dh nj ls vuko';d :i ls çkIr dh xà jkf’k 1]70]861@&:i;s ¼v{kjs ,d yk[k lÙkj gtkj vkB lkS bDlB :i;s½ Hkh vnk djsA foi{kh] ifjoknh dks ekufld larki ds :i es a 50]000@&:i;s ¼v{kjs ipkl gtkj :i;s½ ,o a ifjokn O;; ds :i es a 11]000@&:i;s ¼v{kjs X;kjg gtkj :i;s½ Hkh vnk djAs
3- ifjoknh dh 'ks"k çkFkZuk vLohdkj dh tkrh gSA
4- mä vkns'k dh ikyuk nks ekg es a dh tk,A
02- izdj.k ds lfa {kIr lqlaxr rF; bl izdkj gS fd ifjoknh QeZ }kjk nks djksM+ :i;s dh _.k jkf'k çkIr djus ds mn~ns'; ls Qjojh] 2009 esa foi{kh cSad ls laidZ fd;k x;kA mä _.k laifÙk ij _.k ¼LAP½ dh Js.kh es a FkkA foi{kh cSad }kjk i= fnukafdr 20-02-2009 ds tfj;s ifjoknh QeZ dks _.k Loh—r djrs gq, vko';d ,o a vkSipkfjd dk;Zokgh djus ds lEcUèk esa ifjoknh QeZ l s fuosnu fd;k x;kA foi{kh cSad }kjk ifjoknh QeZ dks _.k ds lEcUèk esa [kkrk la[;k 47743735 vkofa Vr fd;k x;kA ifjoknh QeZ }kjk foi{kh cSad ds _.k Loh—fr i= fnukafdr 20-02-2009 ds vuqlj.k esa lHkh vkSipkfjdrk,¡ i.w kZ dj nh xà ,oa ifjoknh QeZ }kjk çkslÇs lx Qhl ds :i es a jkf'k :i; s 1]65]450@&:i;s tfj;s i&s v‚MZj la[;k&199547 fnukafdr cuke Jh fxjkZt b.MLVªht
28-02-2009 fuEu 'krks± ds vèkhu vius i= fnukafdr 03-03-2009 ds lya Xu çfs "kr dh xÃ%&
ÞThe above cheques is submitting to your good self subject to-
1- That Rate of Interest is variable but well connected with the BPLR less 1% below BPLR, i.e. at present BPLR is 14.5% and ROI lived 13.5% in future the variation in interest rate will be below 1% BPLR as agreed upon by your good self.
2- That the rate of forclosure charges will be 1% + Service Tax for first year or maximum up to second year thereafter foreclosure charges will be only 1% + service tax as agreed upon by your good self.”
03- Ikfjoknh QeZ }kjk çfs "kr i= fnukafdr 03-03-2009 ,o a lya Xu i s vkWMZj ifjf'k"B&3 ,oa 4 ds :i esa ifjokn ds layXu çLrqr gSA foi{kh cSad }kjk crkSj Loh—fr mä i= fnukafdr 03-03-2009 ij gLrk{kj fd;s x;s vFkkZr~ ifjoknh QeZ ,o a foi{kh cSad ds eè; ;g r; ik;k x;k fd _.k dk s QksjDykst fd; s tkus ij ifjoknh QeZ dks cdk;k _.k jkf'k dk ,d çfr'kr ,oa lÆol VSDl crkSj QksjDykstj pktsZt foi{kh cSad dks vnk djus gksxa sA ifjoknh QeZ }kjk çkIr fd;s x;s- _.k ds lEcUèk es a foi{kh cSad dh C;kt nj vU; foÙkh; lLa Fkkuks@a cSadksa ls vf/kd gksus ds dkj.k ifjoknh QeZ }kjk foi{kh cSad ls çkIr fd; s x; s _.k dks QksjDykst djuk gh csgrj le>k rFkk _.k gsrq vU; foÙkh; laLFkku ctkt v‚Vks QkÃusal fyfeVsM l s lEidZ fd;k x;k] ftl ij ctkt v‚Vks QkÃusUl fyfeVsM }kjk ifjoknh QeZ dh vksj ls foi{kh cSad ds gd es a jkf'k 1]87]00]000@& :i;s dk is&v‚MZj Øekad