IN THE DELHI STATE CONSUMER DISPUTES REDRESSAL COMMISSION Date of Institution: 15.05.2023 Date of hearing: 12.11.2025 Date of Decision: 27.02.2026 FIRST APPEAL 204/2023 IN THE MATTER OF HDFC BANK LTD., A BANKING COMPANY INCORPORATED, UNDER THE COMPANIES ACT,1956, HAVING REGISTERED OFFICE AT, “HDFC BANK HOUSE”, SENAPATI BAPAT MARG, LOWER PAREL (WEST), MUMBAI.

ALSO HAVING REGIONAL OFFICE AT:-

PLOT NO-31, NAJAFGARH ROAD INDUSTRIAL AREA, st TOWER “A”, 1 FLOOR SHIVAJI MARG, MOTI NAGAR, NEW DELHI-110015 (Through: Amita Kumari, Advocate Appellant VERSUS MR. PREM MALHOTRA, S/O LATE MR.M.L.MALHOTRA, R/O ED-45B, PITAM PURA, DELHI, (Through: Ms.Yashika Kapoor, Mr. Prashant Arora, Ms. Simran Khurana, Mr. Lakshay Agarwal, Advocates …Respondents CORAM:

HON’BLE JUSTICE SANGITA DHINGRA SEHGAL (PRESIDENT)

HON’BLE MS. BIMLA KUMARI, MEMBER (FEMALE)

Present: Ms. Amita Kumari ,counsel for the appellant, E. mail:

gurmeet @ gbalawoffices.com.

Respondent in person, Email:

premmalhotra1959@gmail.com Ms. Yashika Kapoor, counsel for the respondent, Email:

adv.yashikakapoor@gmail.com PER: HON’BLE JUSTICE SANGITA DHINGRA SEHGAL, PRESIDENT JUDGMENT

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