IN THE DELHI STATE CONSUMER DISPUTES REDRESSAL COMMISSION Date of Institution: 29.05.2024 Date of Hearing: 28.11.2025 Date of Decision: 20.04.2026 FIRST APPEAL NO. 388/2024 IN THE MATTER OF HDFC BANK LIMITED, THROUGH ITS AUTHORIZED REPRESENTATIVE – MR. NAMAN JAIN, MGR.

(LEGAL)

OFFICE AT:

UNIT NO. 100 A-1, THE CAPITAL COURT, MUNIRKA, OUTER RING ROAD, OLOF PALME MARG, NEW DELHI-110067.

REGISTERED OFFICE AT:

HDFC BANK LTD., HDFC BANK HOUSE, SENAPATI BAPAT MARG, LOWER PAREL (WEST), MUMBAI–400013.

(Through: Mr. Sourav Kumar Jena, Advocate)

…Appellant Versus

1. MRS. SHILPI SIDDIQUI, W/O. LATE MR. SALIM SHAVAS SIDDIQUI, R/O. FLAT NO. 6C, MUKUND APARTMENTS

16, YAMUNA ROAD, CIVIL LINES, NEW DELHI–110054.

(Through: Mr. Varun Agarwal & Mr. Sachin, Advocates)

…Respondent No. 1

2. HDFC LIFE INSURANCE COMPANY LTD., THROUGH ITS CEO & MANAGING DIRECTOR, 13^TH FLOOR, LODHA EXCELUS, APOLLO MILLS COMPOUND, NM JOSHI MARG, MAHALAXMI, MUMBAI-400011.

ALSO AT:

5^TH FLOOR, ILFS BUILDING, PLOT NO. C-22, G-BLOCK, BANDRA KURLA COMPLEX, BANDRA (EAST), MUMBAI-400051.

(Through: Mr. Kanishk Dev Sharma, Advocate)

…Respondent No. 2 CORAM:

HON’BLE JUSTICE SANGITA DHINGRA SEHGAL (PRESIDENT)

HON’BLE MS. BIMLA KUMARI, MEMBER (FEMALE)

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