Appeals filed on: 76.04.2024, Appeals disposed or: 16.12.2025 BEFORE THE KARNATAXA STATE CONSUMER DISPUTES REDRESSAI COMMISSION, CIRCI'IT BENCH-2, BELAGAVI DATED THIS THE 16TITDAY OF DECEMBER, 2025 CORAM: HON'BLE SRI.RAVI SHANI(AR -.TITDICIAL MEMBER and HOI{'BLE SMT. SUNITA CHANITABASAPPA BAGEWADI . LADY MEMBER sc I 29 I CB2 I Al LL37 I 2024 TO Al LL40 I 2024 The Regional Manager, Agriculture Insurance Company of India Limited, Regional Office, III Floor, Karnataka Ikishik Samaj, No. 18, Nrapatunga Road, Near Hudsaa Circle, Bangalore - 560 001.

...Appellant (Appellant ls common ln appeal Nos.l137/2O24, 1138/2024 & 1140/2024)

(Bg Srt.Proshont. T.Pandlt, Adaocatel Appeal No.1139/2O24 The Divisional Manager, Agriculture Insurance Company of India Limited, Regional Olfice, III Floor, Karnataka lftishik Samaj, No. 18, Nrapatunga Road, Near Hudsan Circle, Bangalore - 560 001.

...Appellant (Bg Srt.Prashant.T.Pandlt, Adoocote\

-vls-

I

gcl29ICB2tAl ttg7 t2024 to At tt4.,t 2024

1.A eal No.tt37 t

2o.24

1. Shri.Shivanand, S/o Somappa Hubballi, Aged about 25 years, Occ: Agriculture, Vilage _

|/.o, Shivalli - S80112, .tvtaralagr Taluk and Dist: Dharwad.

2. The Chief Manager, Head Office, Karnataka Vikasa Grameena Bank, Dharwad -

SSOOO1 raluk a"d Di;i.; ;;arwad.

3. The Manager, Karnataka Vikas Grameen Bank,

Taluk and Dist.: Dharwad.

4. The Joint Director of Agriculture, JDA Oflice Buildins Belagavi Ro"J-----o'

Dharwad -

S8OOO1.

5. The ^pDO, Gram ^panchayat, Maradagi Village, !/9 ^Maradagi - ^{S80 112,} Taluk and Dist.: Dharwad.

lRespondents.l\Ios,I, 4 & S rcmalned, absent)

(R*pondents No,2 & 3 Rep. by Sri. VtJag.S,'Adwcatel ... Respondent/s

2.A No.1138/

2o.24

1. Shri.Channabasappa, S/o Basanagowda patil, sot2gl cB2t Al rL37l2O24 ^{to Al LL4O 12024} Aged about 38 Years, Occ: Agriculture, R/o Maradagi Village - ^580112'

Taluk and Dist: Dharwad.

2. Tl:re Chief Manager, Head Office, Karnataka Vikasa ^{Grameena Bank,} Dharwad - 580001, Taluk and Dist.: Dharwad.

3. The Manager, Karnataka Vikas Grameen ^Bank, Shivalli - 5801i2, Taluk and Dist.: Dharwad.

4. The Joint Director ^of, Occ: Agriculture, JDA Offrce Building, Belagavi Road, Dharwad - 580001.

5. The PDO, Gram Panchayat, Maradagi Village, R/o Maradagi - 580 ^112, Taluk and Dist.: Dharwad.

(Respondents Nos.7,4 & 5 remalned ^o,bsent)

(Respondents No.2 & 3 Rep. bg Sri. ^{Vilag.S, Adoocatel} ... Respondent/s

3. Appeal No.1139120.24

1. Shri.Channappagowda, o Shankaragowda Patil, S /

Aged about 63 Years,

R/o Yarikoppa - 580114, Taluk and Dist: Dharwad.

J AC/29lCB2t At rtg7 t 2024 to At tL4Ot2O24

2. The Manager, t-rjaVa ^{Bank Now Bank} of Baroda, Managundi Branch _ 5g0 03, Hoysalanagara, Dharwad.

3. Ill. Divisional Manager, lij1va ^{Bank Now ea;k} of Baroda, p_ivj ce, Gokuta Roa4--'

1io33r_offi HubbaIi, Tatuk: Hubballi _

SA6 OSO.

Dist.: Dharwad.

i1:l:#T:;;::tr,,;,#!{:i#tr::."1,XTi3"",", .. Respondent/s .

4. AppeaI I{o.l 140 2024

1. Shri,shambulinga S Hubbalti, Aged about 25 years, Occ: Agriculture, R/o IVlaradagi Village, Taluk and Dist.: Dharwad _

SgO 001.

2. The Chief Manager, Head Office, Kamataka Vikasa Gramee-n--a- Bank.

-qr'r'

Dharwad - S8OOO1, Taluk and Dist.: Dharwad.

3. The Manager, Kamataka Vikas Grameen Bank, Shivalli - S8O1t2, Taluk and Dist.: Dharwad.

4. T!: Joint Director of Agriculture, JDA Office Building, Belagavi Road, s.Cl29l CB2lAl lL37 12024 to ^Al ll4ol2o24 Dharwad - 580001.

5. The PDO, Gram Panchayat, Maradagi Village, R/o Maradagi - 580 112, Taluk and Dist.: Dharwad.

(Respondents Nos. 7, 4 & 5 remalned absent)

(Respondents No.2 & 3 Rep,W Srl. Vflcg. S, Adaocatel ... Respondent / s COMMON ORDER BY HON'BLE SMT.SUNITA C. BAGEWADI, LADY ^MEMBER The Appellant/Opposite Parry No.3 being ^{aggrieved by the} order dated 2L.O2.2O24 &' 27.02.2024, ^{passed by the District} in Consumer Commission, Dharwad Consumer ^Complaint Nos.4/2020, 27 l2O2O, 28l2O2O e' 29l2O2O respectively.

2. The Appellant/Opposite Party No.3 are ^{the same in all these Appeals and} the facts involved in these Appeals ^{are one and the} same. Hence, these Appeals are ^taken up ^{together and are being} dispos