BEFORE THE RAJASTHAN STATE CONSUMER DISPUTES REDRESSAL COMMISSION, CIRCUIT BENCH, UDAIPUR FIRST APPEAL NO: 15/2021 HDFC Life Insurance Company Limited Address - 13th Floor Lodha Excelus Apollo Mills Compound N.M. Joshi Marg Mahalaxmi Mumbai -

400011 …Appellant/ Opposite Party No. 2 -VERSUS-

Shri Kishanlal S/o Shri Parasram Ji, Caste Jat, Age 44 Years. Resident Of Devpuriya, Piperpada, Tehsil and District Rajsamand (Raj).

…Respondent No. 1/Complainant Cholamandalam Finance and Investment Co. Ltd.

Through Manager, Branch Office, Opposite Sharma Hospital, Nathdwara Road, Kankroli, Tehsil and District Rajsamand (Raj).

…Proforma Respondent/Opposite Party No. 1 Before HON’BLE MR. A.K. AGARWAL – MEMBER, J.

HON’BLE MR. R. N. SARSWAT - MEMBER Present:

For Appellant: Ms. Shweta Jain, Advocate For Respondent: Mr. Bhimsen Joshi, Advocate Dated: 27-03-2026 *Judgment*

Authored by: Hon’ble Mr. R. N. Sarswat – Member The present appeal has been preferred by HDFC Life Insurance Company Limited (hereinafter referred to as the Appellant/ Opposite Party No. 2) against the order dated 18.08.2020 passed by the learned District Consumer Disputes Redressal Commission, Rajsamand (hereinafter referred to as the DCD