ADDITIONAL BENCH STATE CONSUMER DISPUTES REDRESSAL COMMISSION, PUNJAB, CHANDIGARH Date of Institution : 01.08.2022 Date of Reserve : 25.03.2026 Date of Decision : 20.04.2026 Jaswinder Singh S/o Amar Singh R/o B-XXi-1814, Street No.38, Jaimal Road, Ludhaina-141001.

….Appellant/complainant Versus

1. HDFC Bank Ltd., The Mall, The Mall Road, Ludhiana through authorized signatory.

2. HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (West), Mumbai-400013 through authorized signatory.

….Respondents/Opposite parties First Appeal under Section 41 of the Consumer Protection Act, 2019 against the order dated 13.05.2022 of the District Consumer Disputes Redressal Commission, SBS Nagar.

Quorum:-

Mr.Harinderpal Singh Mahal, Presiding Judicial Member Mrs.Kiran Sibal, Member Present:-

For the appellant : Sh.Munish Goel, Advocate For the respondents : Ms.Niharika Goel, Advocate for Sh.P.M.Goyal, Advocate HARINDERPAL SINGH MAHAL, PRESIDING JUDICIAL MEMBER This appeal has been preferred by the appellant/complainant- Jaswinder Singh against the order dated 13.05.2022 passed by District Consumer Disputes Redressal Commission, SBS Nagar (in short ‘District Commission’), whereby the complaint