SC/30/FA/20/2025 BEFORE THE GOA STATE CONSUMER DISPUTES REDRESSAL COMMISSION, PANAJI-GOA In the matter of First Appeal 20 of 2025 in Consumer Complaint

55 of 2023.

Before: Mrs. Varsha R. Bale, Officiating President Ms. Rachna Anna Maria Gonsalves, Member The Branch Manager, State Bank of India, Vaishya Bhavan, Mapusa, Bardez Goa 403507. ..…Appellant V.

Raisa X Dias, C/o. Ivo Dias, Falt No. B4/3, Sapna Village, PO Tivim Industrial Estate, Peddem, Karaswada, Mapusa, Goa-403526. .....Respondent Adv. Shri. D. R. Shankhawalkar present for Appellant.

Respondent present in person.

DATE: 18/12/2025 JUDGEMENT [per Ms. Rachna Anna Maria Gonsalves, Member]

1. The Judgment and Order arises out of First Appeal

20/2025 filed by the Appellant challenging the Judgment and Order dated 23/01/2025 passed by the District Consumer Disputes Redressal Commission, Porvorim, Goa (DC for short).

2. The Appellant is the original Opposite Party-2 and the Respondent is the original Complainant. The parties shall hereinafter be referred to as per their status in the Complaint.

3. The brief facts are:

A. The case of the Complainant is:

i. That the Complainant stated that an amount of Rs.3 Lakhs (Rupees three lakhs only) wa