Judicial Analysis Court Copy Headnote Facts Arguments Court observation

2026 Supreme(Online)(SCDRC) 3444

STATE CONSUMER DISPUTES REDRESSAL COMMISSION MADHYA PRADESH
Sunita Yadav, President, Monika Malik, Member
MANAGER ICICI LOMBARD GENERAL INSURANCE CO. LTD. – Appellant
Versus
JITENDRA S/O MOOLCHAND – Respondent
FIRST APPEAL NO. SC/23/A/24/1891|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, the nodal bank is solely liable for any financial loss or underpayment of insurance claims resulting from the bank's misreporting of farmer details (such as village or tehsil) on the insurance portal.

Headnote:The matter pertains to the Pradhan Mantri Fasal Bima Yojna regarding the underpayment of crop insurance compensation. The complainant alleged that despite having land in Tehsil-Bagli, the insurance company paid compensation based on the loss in Tehsil-Tonkkhurd, resulting in a significant shortfall. The District Commission had previously held both the nodal bank and the insurance company jointly and severally liable for the deficiency in service. The primary issue is whether the insurance company is liable for underpayment when the nodal bank uploads incorrect location data on the insurance portal. The court reasoned that under Clause XVII(2) and Clause XXIV of the PMFBY guidelines, the nodal bank is solely responsible for any misreporting of farmer coverage and the resulting consequences, and must make good all such losses. Accordingly, we modify the impugned order and direct the opposite party no.1-bank to pay additional amount of compensation towards loss of crop on the basis of correct information/details of the complainant’s land within a period of two months.

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 opposite party no.2/appellant-insurance com

Click Here to Read the rest of this document