STATE CONSUMER DISPUTES REDRESSAL COMMISSION, PUNJAB, CHANDIGARH.

Date of institution : 06.08.2023 Reserved on : 17.02.2026 Date of Decision : 13.03.2026

1. HDFC Bank, Branch Tarn Taran, Opposite Civil Hospital Tarn Taran, Tehsil and District Tarn Taran through its Branch Manager.

2. HDFC Bank Limited, registered office at HDFC Bank House, Senapati Bapat Marg, Lower Parel (West), Mumbai-400013.

The present Appeal has been filed through Sh.Rajiv Rattnam, Branch Manager, HDFC Bank, Opposite Civil Hospital, Tarn Taran.

….Appellants/Opposite Parties No.1&2.

Versus

1. Ashok Kumar Bhatia, age about 64 years old S/o Kishan Lal Bhatia, R/o Opposite Civil Hospital, Tarn Taran, Tehsil &

District Tarn Taran.

….…Respondent No.1/Complainant.

2. HDFC Ergo Gen. Ins. Co. Ltd., Office at 7 Apsara, 1^st Floor, SV Road Santacruz-W, Mumbai-54 through its authorized Officer/Head.

….…Respondent No.2/Opposite Party No.3.

First Appeal under Section 41 of the Consumer Protection Act, 2019 against the order dated 18.04.2023 passed by the District Consumer Disputes Redressal Commission, Tarn Taran in CC No.50 of 2019.

Quorum:-

Ms. Simarjot Kaur, Presiding Member Mr. Vishav Kant Garg, Member

1) Whether Reporters of the Newsp