2026 Supreme(Online)(SCDRC) 3049
STATE CONSUMER DISPUTES REDRESSAL COMMISSION
RAJ KSHETRIY BANK & OTHER – Appellant
Versus
SHUBHAM SINGHAL – Respondent
SC/CB5/8/FA/6/2025
jktLFkku jkT; miHkksDrk fookn izfrrks"k vk;ksx]
lfdZV cSap] Hkjriqj ¼jkt-½
1- jktLFkku xzkeh.k cSad] 'kk[kk 'kgj lokbZ ek/kksiqj] ftyk lokbZ ek/kksiqj ¼jkt-½
2- jktLFkku xzkeh.k cSad] Vksda jksM] gEehj fczt ds uhps ekuVkmu lokbZ ek/kksiqj]
ftyk lokbZ ek/kksiqj tfj, eq[r;kj vke bdcky mLekuh eq[; izcU/kd jktLFkku xzkeh.k cSad] {ks=h; dk;kZy;] lokbZ ek/kksiqj &&vihykFkhZx.k@foi{khx.k cuke 'kqHke flagy iq= Jh jkevorkj flagy] fuoklh guqeku oS| th dh xyh lykoV ekSgYyk] lokbZ ek/kksiqj rglhy o ftyk lokbZ ek/kksiqj &&izR;FkhZ@ifjoknh le{k%&
ekuuh; Jh eqds'k] lnL; ¼U;kf;d½ ekuuh; Jh fnus'k dqekj] lnL;
mifLFkr%&
Jh uohu xks;y] vf/koDrk &&vihykFkhZx.k Jh gfjizlkn ;ksxh vf/koDrk &&izR;FkhZ@ifjoknh -------------
cgl lquus dh fnukad %- 09@02@2026 fu.kZ; lqukus dh fnukad %-21-04-2026 -------------
&%% fu.kZ; %%&
1. vihykFkhZx.k@foi{khx.k jktLFkku xzkeh.k cSad us ;g vihy v/khuLFk ftyk miHkksDrk fookn izfrrks"k vk;ksx] lokbZ ek/kksiqj ¼ftls vkxs fu.kZ; esa lqfo/kk dh n`f"V ls l{a ksi esa ftyk miHkksDrk vk;ksx ds uke ls lca ksf/kr fd;k tkoxs k½ ds ewy ifjokn la[;k 222@2022 muokuh 'kqHke flagy cuke jktLFkku xzkeh.k cSad o vU; ds fu.kZ; fnukad 28@11@2024 ls O;fFkr gksdj jktLFkku jkT; miHkksDrk vk;ksx] lfdZV cSap] Hkjriqj ds le{k fnukad
27@01@2025 i’s k dh gSA
2. vihy l s lca fa /kr ifjokn&i= ds rF; l{a ksi es a bl izdkj l s gS fd
izR;FkhZ@ifjoknh us ç/kkuea=h vkokl ;kstuk esa edku Ø; djus ds fy;s
vihykFkhZ@foi{kh la- 01 l s fnukad 31 fnlEcj] 2020 dks 26]90]000@& :i;s
dk _.k fy;k Fkk] ftldk _.k [kkrk Øekad 47740600000141 gSA _.k djkj ds vuqlkj izR;FkhZ@ifjoknh dks 2]67]000@& :i;s dh lfClMh _.k forj.k ds le; ns; Fkh] fdUrq lfClMh dh jkf'k tek ugha dhA izR;FkhZ@ifjoknh us fnukad 06@01@2022 dks vihykFkhZ@foi{kh la- 01 dks çkFkZuk&i= fn;k x;k] fdUrq dksbZ dk;Zokgh ugha dhA Hkkjr ljdkj }kjk ns; Ldhe ds vUrxZr mDr lfClMh ns; Fkh] tks vihykFkhZx.k@foi{khx.k dk s _.k jkf'k ds lkFk gh tek djuh FkhA vihykFkhZx.k@foi{khx.k }kjk _.k ds vUrxZr ns; lfClMh ds fy;s lHkh vko';d çi= vihykFkhZx.k@foi{khx.k dks ns fn;s Fks] fdUrq vihykFkhZx.k@foi{khx.k }kjk le; ij dk;Zokgh ugha djus l s izR;FkhZ@ifjoknh dks mä _.k ds vUrxZr ns; lfClMh vkt rd ugha feyh gSA izR;FkhZ@ifjoknh us bl vk/kkj ij vihykFkhZx.k@foi{khx.k ds fo:) los k esa deh dk vkjksi yxkrs gq;s ifjokn esa fn;s x;s fooj.k ds vuqlkj vuqrks"k çnku djus dk fuosnu fd;kA
3. vihykFkhZx.k@foi{khx.k us ifjokn dk tokc çLrqr dj dFku fd;k fd izR;FkhZ@ifjoknh }kjk mä ;kstuk ds vUrxZr _.k ysrs le; gh fu;ekuqlkj lfClMh çkIr djus gsrq vkons u djuk pkfg; s Fkk] tks mlds }kjk ugha fd;k x;k vkSj blds mijkUr Hkh mlds }kjk lfClMh ds ckcr vkons u is'k ugha fd;k x;kA izR;FkhZ@ifjoknh }kjk vkokl _.k ;kstuk gsrq vkons u djrs le; leLr 'krksZa dks i+&fy[kdj ,o a le> dj gLrk{kj fd;s Fks] blds mijkUr gh izR;FkhZ@ifjoknh dks _.k dh fnukad 31@12@2020 dks vnk;xh dh xbZ gS] ml le; ifjoknh }kjk ç/kkuea=h vkokl ;kstuk ds rgr lfClMh dk vkons u ,oa 'kiFk&i= gh is'k ugha fd;k x;k vkSj fnukad 11@08@2021 dks lfClMh tek djok;s tkus gsrq vkons u fd;k x;k Fkk] tcfd ,evkbZth gsrq ç/kkuea=h vkokl ;kstuk ds rgr lfClMh fnukad 31@03@2021 dks gh cUn dj nh xbZ FkhA izR;FkhZ@ifjoknh dks bl ckcr fnukad 06@01@2022 dks voxr djk fn;k x;kA Hkkjr ljdkj }kjk ns; Ldhe ds rgr lfClMh çkIr fd;k tkuk çR;sd ukxfjd dk drZO; gS] c'krsZ fd og fuf'pr lhek vof/k esa vkons u djs]a tks vof/k fnukad 31@03@2021 dks lekIr gks x;h] tcfd izR;FkhZ@ifjoknh }kjk fnukad 11@08@2021 dks vkosnu is'k fd;k FkkA vr% nsjh ls vkosnu djus ds fy;s vkSj lfClMh ugha vkus ds fy;s izR;FkhZ@ifjoknh ftEesnkj gSA vr% lsok es a deh ls bUdkj djrs gq;s ifjokn fujLr djus dk fuosnu fd;kA
4. izR;FkhZ@ifjoknh o vihykFkhZx.k@foi{khx.k ds vfHkopuksa ds i'pkr mHk;i{k dh lk{; ysdj o mHk;i{k dks lqudj fo}ku ftyk miHkksDrk vk;ksx]
lokbZ ek/kksiqj }kjk fnukad 28@11@2024 dks fuEu vkns'k ikfjr fd;k x;k%&
^^vr% ifjokn ifjoknh fo:) foi{khx.k Lohdkj fd;k tkdj foi{khx.k dks vkns'k fn;k tkrk gS fd o sfu.kZ; dh frfFk ls nks ekg ds vUnj ifjoknh dks mlds ç'uxr vkokl _.k ij fu;ekuqlkj ns; lfClMh dh jkf'k mlds [kkrs es a tek djsAa ifjoknh foi{khx