Judicial Analysis Court Copy Headnote Facts Arguments Court observation

2026 Supreme(Online)(SCDRC) 3443

STATE CONSUMER DISPUTES REDRESSAL COMMISSION MADHYA PRADESH
Sunita Yadav, President, Monika Malik, Member
MANAGER ICICI LOMBARD GENERAL INSURANCE CO. LTD – Appellant
Versus
MEHARBAAN SINGH NARABAT SINGH SENDHAV – Respondent
FIRST APPEAL NO. SC/23/A/24/1889|FIRST APPEAL NO. 1881 OF 2024|FIRST APPEAL NO. 1882 OF 2024|FIRST APPEAL NO. 1883 OF 2024|FIRST APPEAL NO. 1884 OF 2024|FIRST APPEAL NO. 1889 OF 2024|FIRST APPEAL NO. 1891 OF 2024|FIRST APPEAL NO. 1892 OF 2024|FIRST APPEAL NO. 1894 OF 2024

Advocates:
For the Appellants/Petitioners: Amit Tiwari
For the Respondents: None

Under the Pradhan Mantri Fasal Bima Yojna, if a nodal bank uploads incorrect farmer or land details on the portal leading to wrongful insurance coverage or underpayment, the bank alone is liable to compensate the farmer for the resulting loss.

Headnote:The case involves claims for crop insurance compensation under the Pradhan Mantri Fasal Bima Yojna for the year 2017. The complainants, who are agriculturists, alleged that they received significantly lower compensation than entitled because the nodal bank uploaded incorrect land details (wrong Tehsil) on the insurance portal. The District Commission had previously held both the bank and the insurance company jointly and severally liable for the deficiency in service. The primary issue was whether the insurance company could be held liable for underpayment when the error originated from the bank's data entry on the portal. The court analyzed the PMFBY guidelines, specifically Clause XVII (2) and Clause XXIV, which stipulate that in cases of substantial misreporting by the nodal bank, the concerned bank alone shall be liable for such misreporting and its consequences. Accordingly, the court modified the impugned order, ruling that the bank alone is liable to compensate the complainants for the difference in insurance amount, along with the costs and interest awarded by the District Commission. The appeals stand partly allowed.

ORDER

M. P. STATE CONSUMER DISPUTES REDRESSAL COMMISSION, BHOPAL

PLOT NO.76, ARERA HILLS, BHOPAL

FIRST APPEAL NO. 1881 OF 2024

(Arising out of order dated 22.12.2023 passed in C.C.No.126/2019 by the District Commission, Dewas)

MANAGER,

ICICI LOMBARD GENERAL INSURANCE COMPANY LIMITED,

COMMERCE HOUSE, SECOND FLOOR, 201/212, 7, RACE COURSE ROAD, INDORE (M.P.) … APPELLANT.

Versus

1. NEERAJ ALIAS NILESH S/O DARIYAV,

R/O VILLAGE-POLAY, TEHSIL-BAGLI, DISTRICT-DEWAS (M.P.)

2. MANAGER,

NARMADA MALWA GRAMIN BANK,

CHAPDA, TEHSIL-BAGLI, DISTRICT-DEWAS (M.P.) … RESPONDENTS.

FIRST APPEAL NO. 1882 OF 2024

(Arising out of order dated 19.01.2024 passed in C.C.No.127/2019 by the District Commission, Dewas)

MANAGER,

ICICI LOMBARD GENERAL INSURANCE COMPANY LIMITED,

COMMERCE HOUSE, SECOND FLOOR, 201/212, 7, RACE COURSE ROAD, INDORE (M.P.) … APPELLANT.

Versus

1. RAJESH YADAV S/O DARIYAV,

R/O VILLAGE-POLAY, TEHSIL-BAGLI, DISTRICT-DEWAS (M.P.)

2. MANAGER,

NARMADA MALWA GRAMIN BANK,

CHAPDA, TEHSIL-BAGLI, DISTRICT-DEWAS (M.P.) … RESPONDENTS.

FIRST APPEAL NO. 1883 OF 2024

(Arising out of order dated 22.12.2023 passed in C.C.No.128/2019 by the District Commission, Dewas)

MANAGER,

ICICI LOMBARD GENERAL INSURANCE COMPANY LIMITED,

COMMERCE HOUSE, SECOND FLOOR, 201/212, 7, RACE COURSE ROAD, INDORE (M.P.) … APPELLANT.

Versus

1. HEERALAL S/O MOOLCHAND,

R/O VILLAGE-POLAY, TEHSIL-BAGLI, DISTRICT-DEWAS (M.P.)

2. MANAGER,

NARMADA MALWA GRAMIN BANK,

CHAPDA, TEHSIL-BAGLI, DISTRICT-DEWAS (M.P.) … RESPONDENTS.

FIRST APPEAL NO. 1884 OF 2024

(Arising out of order dated 19.01.2024 passed in C.C.No.129/2019 by the District Commission, Dewas)

MANAGER,

ICICI LOMBARD GENERAL INSURANCE COMPANY LIMITED,

COMMERCE HOUSE, SECOND FLOOR, 201/212, 7, RACE COURSE ROAD, INDORE (M.P.) … APPELLANT.

Versus

1. OM PRAKASH YADAV S/O MOOLCHANDRA YADAV,

R/O VILLAGE-POLAY, TEHSIL-BAGLI, DISTRICT-DEWAS (M.P.)

2. MANAGER,

NARMADA MALWA GRAMIN BANK,

CHAPDA, TEHSIL-BAGLI, DISTRICT-DEWAS (M.P.) … RESPONDENTS.

FIRST APPEAL NO. 1889 OF 2024

(Arising out of order dated 22.12.2023 passed in C.C.No.492/2020 by the District Commission, Dewas)

MANAGER,

ICICI LOMBARD GENERAL INSURANCE COMPANY LIMITED,

COMMERCE HOUSE, SECOND FLOOR, 201/212, 7, RACE COURSE ROAD, INDORE (M.P.) … APPELLANT.

Versus

1. MEHARBAN SINGH S/O NARWAR SINGH SENDHAV,

R/O VILLAGE-BAMANKHEDI, TEHSIL-BAGLI, DISTRICT-DEWAS (M.P.)

2. MANAGER,

NARMADA MALWA GRAMIN BANK,

CHAPDA, TEHSIL-BAGLI, DISTRICT-DEWAS (M.P.) … RESPONDENTS.

FIRST APPEAL NO. 1891 OF 2024

(Arising out of order dated 19.01.24 passed in C.C.No.43/2021 by the District Commission, Dewas)

MANAGER,

ICICI LOMBARD GENERAL INSURANCE COMPANY LIMITED,

COMMERCE HOUSE, SECOND FLOOR, 201/212, 7, RACE COURSE ROAD, INDORE (M.P.) … APPELLANT.

Versus

1. JITENDRA S/O MOOLCHANDRA,

R/O VILLAGE-POLAY, TEHSIL-BAGLI, DISTRICT-DEWAS (M.P.)

2. MANAGER,

NARMADA MALWA GRAMIN BANK,

CHAPDA, TEHSIL-BAGLI, DISTRICT-DEWAS (M.P.) … RESPONDENTS.

FIRST APPEAL NO. 1892 OF 2024

(Arising out of order dated 19.01.2024 passed in C.C.No.53/2021 by the District Commission, Dewas)

MANAGER,

ICICI LOMBARD GENERAL INSURANCE COMPANY LIMITED,

COMMERCE HOUSE, SECOND FLOOR, 201/212, 7, RACE COURSE ROAD, INDORE (M.P.) … APPELLANT.

Versus

1. HAZARILAL S/O DHANNA,

R/O VILLAGE-POLAY, TEHSIL-BAGLI, DISTRICT-DEWAS (M.P.)

2. MANAGER,

NARMADA MALWA GRAMIN BANK,

CHAPDA, TEHSIL-BAGLI, DISTRICT-DEWAS (M.P.) … RESPONDENTS.

FIRST APPEAL NO. 1894 OF 2024

(Arising out of order dated 19.01.2024 passed in C.C.No.57/2021 by the District Commission, Dewas)

MANAGER,

ICICI LOMBARD GENERAL INSURANCE COMPANY LIMITED,

COMMERCE HOUSE, SECOND FLOOR, 201/212, 7, RACE COURSE ROAD, INDORE (M.P.) … APPELLANT.

Versus

1. ASHOK S/O RAMESHCHANDRA,

R/O VILLAGE-POLAY, TEHSIL-BAGLI, DISTRICT-DEWAS (M.P.)

2. MANAGER,

NARMADA MALWA GRAMIN BANK,

CHAPDA, TEHSIL-BAGLI, DISTRICT-DEWAS (M.P.) … RESPONDENTS.

BEFORE :

HON’BLE JUSTICE SUNITA YADAV : PRESIDENT

HON’BLE DR. MONIKA MALIK : MEMBER

COUNSEL FOR PARTIES :

None for the complainant/respondent no.1.

None for the opposite party no.1/respondent no.2-bank.

Shri Amit Tiwari, learned counsel for the opp

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