STATE CONSUMER DISPUTES REDRESSAL COMMISSION, PUNJAB, CHANDIGARH.

Date of institution : 06.03.2024 Reserved on : 04.02.2026 Date of Decision : 20.02.2026 HDFC Life Insurance Company Limited (Formerly HDFC Standard Life Insurance Company Limited) through its Manager/Authorized Person having its Branch Office at SCO No. 41, 3^rd & 4^th Floor, Feroze Gandhi Market, Ludhiana, Above Tanishq Showroom, Punjab-141001 Through Sh. Gurpreet Singh, aged 39 years son of Sh. Jujhar Singh, Tehsil Paonta Sahib, Shivpur, Sirmaur (HP), Deputy Manager-Legal, HDFC Life Insurance Company Limited, Corporate & Registered Office at 13^th Floor, Lodha Excelus, Apollo Mills Compound, N.M.

Joshi Marg, Mahalaxmi, Mumbai 400 011.

…Appellant/Opposite Party No.2 Versus

1. Renu Garg widow of Sh. Suman Kumar, C/o M/s Garg Hardware Store, Main Road Bhai Himmat Singh Nagar, New Road Fatak, Opposite GNE College, Ludhiana.

Gauravsaggi78673@gmail.com, Mobile Number 99149-78673 .…Respondent No.1/Complainant

2. HDB Financial Services through its Branch Manager, having its Branch Office at B-21-4243/2, First Floor, Khasra No. 8057/802, 8058/802, Khata No. 436/1/551, Shimla Puri, Gali No. 2, Ludhiana –

141 003.

.…Respondent No.2/OP N