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STATE CONSUMER DISPUTES REDRESSAL COMMISSION

MADHYA PRADESH

FIRST APPEAL NO. SC/23/A/14/943

KHADI & GRAM UDYOG

PRESENT ADDRESS - BHOPAL ,MADHYA PRADESH.

.......Appellant(s)

Versus

M/S ARIHANT DONA PATTAL

PRESENT ADDRESS - JHABUA ,MADHYA PRADESH.

.......Respondent(s)

BEFORE:

HON'BLE MRS. JUSTICE SUNITA YADAV , PRESIDENT

HON'BLE MRS. DR. MONIKA MALIK , MEMBER

FOR THE APPELLANT:

KHADI & GRAM UDYOG

FOR THE RESPONDENT:

M/S ARIHANT DONA PATTAL

DATED: 31/12/2025

ORDER

M. P. STATE CONSUMER DISPUTES REDRESSAL COMMISSION,

PLOT NO.76, ARERA HILLS, BHOPAL

FIRST APPEAL NO. 474 OF 2014

(Arising out of order dated 27.01.2014 passed in C.C.No. 51/2012 by District Commission, Jhabua)

DHAR-JHABUA KSHETRIYA GRAMIN BANK

(NOW MERGED AND NAMED NARMADA

JHABUA GRAMIN BANK)

THROUGH REGIONAL MANAGER,

JHABUA … APPELLANT.

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Versus

1. M/S ARIHANT DONA-PATTAL,

PROPRIETOR SMT. PUSHPA

W/O SHRI VINOD KUMAR JAIN,

R/O RADHA KRISHNA MARG,

JHABUA (M.P.)

2. VINOD KUMAR JAIN,

S/O SHRI SARDARMAL JAIN,

R/O RADHA KRISHNA MARG,

JHABUA (M.P.)

3. SMT. MANORAMA

W/O SHRI SARDARMAL JAIN,

R/O RADHA KRISHNA MARG,

JHABUA (M.P.)

4. DIRECTOR, KHADI AND GRAMOUDYOG

AYOG, STATE OFFICE C-314, GAUTAM NAGAR,

BHOPAL (M.P.) ... RESPONDENTS.

FIRST APPEAL NO. 943 OF 2014

(Arising out of order dated 27.01.2014 passed in C.C.No. 51/2012 by District Commission, Jhabua)

DIRECTOR, KHADI AND GRAMOUDYOG

AYOG, STATE OFFICE C-314, GAUTAM NAGAR,

BHOPAL (M.P.) … APPELLANT.

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Versus

1. M/S ARIHANT DONA-PATTAL,

PROPRIETOR SMT. PUSHPA

W/O SHRI VINOD KUMAR JAIN,

R/O 53, RADHA KRISHNA MARG,

JHABUA (M.P.)

2. VINOD KUMAR JAIN,

S/O SHRI SARDARMAL JAIN,

R/O RADHA KRISHNA MARG,

JHABUA (M.P.)

3. SMT. MANORAMA

W/O SHRI SARDARMAL JAIN,

R/O RADHA KRISHNA MARG,

JHABUA (M.P.)

-2-

4. BRANCH MANAGER,

DHAR-JHABUA KSHETRIYA GRAMIN BANK

BRANCH-PITOL, DISTRICT-JHABUA ... RESPONDENTS.

BEFORE :

HON’BLE JUSTICE SUNITA YADAV : PRESIDENT

HON’BLE DR. MONIKA MALIK : MEMBER

COUNSEL FOR PARTIES :

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None for the complainants/respondent no.1, 2 and 3.

Shri Ruchir Chaturvedi, learned counsel for the opposite party no.1-bank.

Shri Manish Nema, learned counsel for the opposite party no.2-Khadi & Gramoudyog Ayog.

O R D E R

(Passed On 31.12.2025)

Per Say Justice Sunita Yadav, President:

Aforesaid appeals arise out of the order dated 27.01.2014 passed by the

District Consumer Disputes Redressal Commission, Jhabua (for short ‘District

Commission) in C.C. No. 51/2012 whereby the complaint filed the

complainants/respondent no. 1 to 3 has been allowed. Since both appeals arise out

of the same order, therefore they are taken up together and are being disposed of

by this common order. For convenience facts are taken from Appeal No. 474/2014

unless otherwise stated.

2. Facts of the case in short are that the complainants in the year 2008

under the R.E.G.P scheme of the opposite party no.2-Khadi Gramoudyog for

establishment of unit for manufacturing Dona Pattal got sanctioned a loan of

Rs.9,50,000/- and executed the documents in favour of opposite parties on which

30% amount was to be given as subsidy. For

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the security of loan they mortgaged FDRs of Rs.6,00,000/-. After completion of all

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formalities, the complainants took Nanka's land situated at Village-Gelarbadi and

started the unit for manufacturing Dona Pattal. The complainants were also giving

training to other beneficiaries and the complainants were made available subsidy

amount of Rs.2,99,400/- but the opposite party no.1-bank with malicious intent in

order to cause financial loss to the complainant inspected the premises and

prepared a false report and got the subsidy amount returned and the rest amount

was adjusted from the FDRs due to which the complainants suffered loss, which

amounts to deficiency in service. The complainants therefore filed a complaint

before the District Commisio seeking relief of subsidy amount with interest

Rs.3,85,333/- along with compensation and costs.

3. The opposite party no.1-bank in their reply to the complaint before the

District Commission submitted on 08.02.2008 loan was sanctioned under different

head

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