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2026 Supreme(Online)(SCDRC) 5740
DISTRICT CONSUMER DISPUTES REDRESSAL COMMISSION, JAIPUR
Nirmal Singh Madhotra, J, Surendra Singh, J, Ramavilas Sarawate, Member
ORIX LEASONING AND FINANCIAL SERVICES INDIA LTD. – Appellant
Versus
MANJU DEVI – Respondent
Appeal No. 231/2025
For the Appellants/Petitioners: Yashvardhan Singh
For the Respondents: Gopal Shastri, Pradhan Mantri
A financial institution is obligated to issue a No Objection Certificate (NOC) and return security documents upon full repayment of a loan; failure to do so justifies execution proceedings and civil imprisonment under the Consumer Protection Act.
Headnote:The matter pertains to proceedings under Section 72 of the Consumer Protection Act, 2019, where a complainant sought the issuance of a No Objection Certificate (NOC) and the return of security documents after the loan amount was settled by an insurance company. The lower commission had previously ordered the payment of dues and subsequently ordered the civil imprisonment of the financial institution's representative due to non-compliance with the directions to release the security and issue the NOC. The primary issue is whether the financial institution is liable for action under Section 72 for failing to issue an NOC and return documents despite the loan being paid. The court reasoned that upon the full repayment of a loan, the lender is legally and logically obligated to release the security and provide an NOC to the borrower, and the failure to do so constitutes a violation of the order's intent, regardless of whether the words 'issue NOC' were explicitly written in the initial decree. The appeal is dismissed.
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