scl29l Alr87o /2023 & FA/s90 /2o2s Appeals frled on: 23.09.2023 & 08.05.2025 Appeals disposed or:: 17 .02.2026 BEFORE THE KARNATAKA STATE CONSUMER DISPUTES REDRESSAL COMMISSION, BENGALURU (ADDTTTONAL BENCH)

DATED THIS THE 17th DAY OF FEBRUARY,20.26 CORAM: HON'BLE SRI.RAVI SHANI(AR - JUDICIAL MEMBER HON'BLE SMT.SUNITA CHANNABASAPPA BAGEWADI ^. LADY MEMBER sct29tA/La70t2023 &,FA 15901202s

1) APPEAL NO.1870/2023 1. Dr.B.V.Sudhakar Reddy, S/o Venugopal Reddy, Aged about 57 Years, 2. Smt.T.Lakshmi, W/o Dr.B.V.Sudhakar Reddy, Aged about 53 Years, C/o Sudha Clinic, Tumkur Road, Pavagada - 561 2O2, Ttrmkur District. ,.. Appellant/s (Bg Srt.B.V.Malla Reddg, Adaocate)

-Versus-

1. Sri.Mahabaleshwara.M.S., M.D & C.E.O, Karnataka Bank Limited, K.B.L. PB No.599, Mahaveer Circle, Kankanady, Mangalore - 575 OO2, Dakshina Kannada District.

2. Balachandra.Y.V., Chief Operating Officer, Credit Monitoring Department, Karnataka Bank Limited, Head office, Mahaveer Circle, Kankanady, Mangalore - 575 002, Dakshina Kannada District.

sc /29 I A/ t87O / 2023 &, A / s9O /2025

3. Nagaraja Rao.B., General Manager, Credit Monitoring Department, Karnataka Bank Limited, Head office, Mahaveer Circle, Kankanady, Mangalore - S7S OO2, Dakshina Kannada District.

4. Subbaramu.L., Assistant General Manager, Karnataka Bank Limited, Regionai Office, B.H.Road, Tumkur.

5. Manager, Karnataka Bank Limited, Branch Code - 603, S.S.K. Sangha Building, Old Bus Stand, Trrmkur Road, ^pavagada - 562 lO2, Tumkur District. .,, Respondent/s (R-1 to 5 ane Rep. bg Srt.prashant,T.pandtt, A&ncate)

2l Ap^peal No.59O12025

1. Sri.Mahabaleshwara.M.S., M.D & C.E.O, Karnataka Bank Limited, K.B.L. PB No.599, Mahaveer Circle, Kankanady, Mangalore - SZS OO2, Dakshina Kannada District.

2. Sri Balachandra.y.V., Chief Operating Officer, Credit Monitoring Department, Karnataka Bank Limited, Head oflice, Mahaveer Circle, Kankanady, Mangalore _ STS OO2, Dakshina Kannada District.

3. Sri Nagaraja Rao.B., General Manager, Credit Monitoring Department, Karnataka Bank Limited, Head office, Mahaveer Circle, Kankanady, Mangalore - S7S 002, Dak a Kannada District.

sc 129 I ^A I t87O 12023 ^{&" A} I sgo 120',2s

4. Sri Subbaramu.L., Assistant General Manager, Karnataka Bank Limited, Regional Office, B.H.Road, Tumkur.

5. Manager, Karnataka Bank Limited, Branch Code - 603, S.S.K.

Sangha Building, Old Bus Stand, T\rmkur Road, Pavagada- 562 L02, T\rmkur District. ,,, Appelldnt/s (Rep. bg Srl.Prashant.T.Pandlt, Adwcate)

-Ilersus-

1. Dr.B.V.Sudhakar Reddy, S/o Venugopal Reddy, Aged about 57 Years, 2. Smt.T.Lakshmi, W/o Dr.B.V.Sudhakar Reddy, Aged about 53 Years, C/o Sudha Clinic, Tumkur Road, Pavagada - 561 2O2, Tumkur District. .,, Respondent/s B-1 ^{e 2 are Rep. bg Srl.B.V.MallaReddy, Adtocate)}

COMMON ORDER BY HON'BLE SRI RAVI SHANKAR. JUDICIAL MEMBER Both the complainant and Opposite Party in complaint No. 127 2022 preferred these Appeal Nos. 870/ 2023 &, 590 2025

1 1 1 against the order dated 27.04.2023 passed by the District Consumer Disputes Redressal Commission, Tumakuru which directed the Appellant in Appeal No.590/2025 to pay compensation of Rs.75,000/- and Rs.10,000/- towards litigation expenses and prays to set aside the order passed by the District Commissi On the other hand, Appellant in Appeal sc 129 I Al 187 O 12023 ^{&' Alsgo} 12025 preferred this Appeal for enhalcement of the No.L87O/2O23 compensation and also Payment of ^{excess amount interest paid to} the tune of Rs.3,24,4761- ^{and hence prays to modiff the order} passed by the District ^Commission.

Party are the same

2. The Appellants/Complainant/Opposite ⁱⁿ these two Appeals ^{and the facts involved in these Appeals are} one and the same. ^{Hence, these Appeals are taken up together} and are being ^{disposed of by a common order'}

3. Heard from both Parties.

4. The gist of the ^{complaint is that the Opposite Party has} sanctioned the credit ^{facilities vide Sanction Ref'} No.DGMS(RFD)11, ^{dated 15.04.2010 for the purpose of purchase} ofabuilthouseunderKBL-APNAGHARSCHEME'Atthetimeof availing a loan, t