State Consumer Disputes Redressal Commission
Sudha Mundra vs Bajaj Allianz Life Insurance on 31 August, 2022
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cuke ctkt ,fy;kat ykbZQ bU';ksjsUl dEiuh fyfeVsM o vU;
fu.kZ; fnukad%&31-08-2022 jktLFkku jkT; miHkksDrk vk;ksx] t;iqj [}kjk Jh fueZy flag esM+roky lnL; ¼U;kf;d½] 01- ;g vihy vihykFkhZx.k&ifjoknhx.k dh vksj ls izR;FkhZx.k&foi{khx.k ds fo:) fo}ku ftyk miHkksDrk fookn izfrrks"k vk;ksx] t;iqj prqFkZ] t;iqj ds }kjk ifjokn izdj.k la[;k 81@2017 & lq/kk ewanM+k cuke ctkt ,fy;kat ykbZQ bU';ksjsUl dEiuh fyfeVsM o vU; esa ikfjr fu.kZ; fnukad 04-04-2019 ds fo:) bu vk/kkjksa ij izLrqr dh xbZ gS fd v/khuLFk ftyk vk;ksx ds fu.kZ; fnukad 04-04-2019 ikfjr djrs le; bl egRoiw.kZ rF; dh vuns[kh dh xbZ gS fd izR;FkhZ&foi{kh la[;k 3 o 4 QkbZusUl dEiuh us vihykFkhZx.k&ifjoknhx.k dh vuqefr vkSj Lohd`fr ds fcuk mlds _.k [kkrs esa ls 3]50]000@&:i;s izhfe;e jkf'k dk Hkqxrku izR;FkhZ&foi{kh la[;k 1 o 2 chek dEiuh dks djds vihykFkhZx.k&ifjoknhx.k ds uke ,d chek ikWfylh tkjh djok nh Fkh] ftldh vof/k 10 o"kZ Fkh vkSj vihykFkhZx.k&ifjoknhx.k dks izfr o"kZ izhfe;e isVs 3]50]000@&:i;s dk Hkqxrku izR;FkhZ&foi{kh la[;k 1 o 2 chek dEiuh dks fd;k tkuk Fkk A vr% tc izR;FkhZx.k&foi{khx.k ds }kjk vihykFkhZx.k&ifjoknhx.k ls dksbZ lgefr gh ugha yh xbZ rks 15 fnol esa chek ikWfylh okil ykSVkus dk dksbZ iz'u gh iSnk ugha gksrk gS A v/khuLFk ftyk miHkksDrk vk;ksx us bl rF; dh vuns[kh dh gS fd chek ikWfylh vihykFkhZx.k&ifjoknhx.k ds _.k [kkrs esa vfrfjDr lqfo/kk Lo:Ik nh xbZ Fkh] ftlesa izR;FkhZ&foi{kh la[;k 3 o 4 QkbZusUl dEiuh ds }kjk vihykFkhZx.k&ifjoknhx.k dks feF;k dFku djds /kks[ks ls gLrk{kj djokdj chek ikWfylh /kks[ks ls vkSj NyiwoZd tkjh djokbZ gS vkSj ewy chek ikWfylh vihhykFkhZx.k&ifjoknhx.k dks miyC/k gh ugha djokbZ xbZ gS A 3 jkT; miHkksDrk vk;ksx] t;iqj izFke vihy la[;k 709@2019 lq/kk ewna M+k o vU;
cuke ctkt ,fy;kat ykbZQ bU';ksjsUl dEiuh fyfeVsM o vU;
v/khuLFk ftyk vk;ksx ds }kjk bl rF; ij Hkh xkSj ugha fd;k x;k gS fd vihykFkhZx.k&ifjoknhx.k ds _.k [kkrs esa ls izhfe;e jkf'k 3]50]000@&:i;s dh dVkSrh dh tkudkjh gqbZ rks mUgksua s izR;FkhZ&foi{kh la[;k 1 o 2 chek dEiuh ls rFkkdfFkr chek ikWfylh dh ekax dh] tks chek ikWfylh loZizFke fnukad 10-10-2015 dks tfj;s bZ&esy izsf"kr dh xbZ A rRi'pkr~ fof/k ds vuqlkj fu;r vof/k esa chek ikWfylh ds fujLrhdj.k dk izkFkZuk i= izsf"kr djus ds ckn Hkh chek ikWfylh dks fujLr ugha djuk izR;FkhZx.k&foi{khx.k dh cnuh;rh vkSj lsok esa deh gS A vr% mUgksaus vihy Lohdkj dj ifjokn i= esa pkgs x;s vuqrks"k fnyk;s tkus dh ekax dh gSA 02- bl ekeys esa vihykFkhZx.k&ifjoknhx.k Jherh lq/kk ewanM+k ,oa Jh czãizdk'k ewanM+k us fnukad 21-12-2016 dks fo}ku ftyk miHkksDrk vk;ksx ds le{k ,d ifjokn i= izR;FkhZx.k&foi{khx.k ds fo:) bl vk'k; dk izLrqr fd;k fd ifjoknhx.k dks _.k dh vko';drk Fkh rks mUgksua s foi{kh la[;k 3 vkSj 4 QkbZusUl dEiuh ds le{k ,d vkosnu i= la[;k -------34463 izLrqr fd;k] ftl ij fnukad 19-08-2015 dks tfj;s _.k [kkrk la[;k 419 ,Q-,l-,y ----13741 iznku fd;k x;k A _.k iznku fd;s tkrs le; foi{kh la[;k 3 o 4 QkbZusUl dEiuh ds }kjk ,d chek ikWfylh foi{kh la[;k 1 o 2 chek dEiuh ls izkIr fd;s tkus ckcr~ dgk rks ifjoknhx.k us Li"V :Ik ls bUdkj dj fn;k A ckotwn blds foi{kh la[;k 3 o 4 chek dEiuh ds }kjk 3]50]000@&:i;s dk Hkqxrku ifjoknhx.k ds _.k [kkrs ls foi{kh la[;k 1 o 2 chek dEiuh dks fnukad 31-08-2015 dks dj fn;k x;k] ftldh dksbZ lwpuk mUgsa ugha nh xbZ A fnukad 10-10-2015 dks izFke ckj ifjoknhx.k dks foi{kh la[;k 1 o 2 ds }kjk tkjh dh xbZ chek ikWfylh ds lfVZfQdsV dh izfr bZ&esy ls izsf"kr dh xbZ] ftlls mls Kkr gqvk fd chek ikWfylh 10 o"kZ gsrq dj nh xbZ] ftlds rgr izfr o"kZ 3]50]000@&:i;s dh jkf'k 10 o"kZ rd ifjoknhx.k ds }kjk foi{khx.k dks vnk dh tkuh Fkh A chek ikWfylh dh ewy izfr ifjoknhx.k dks izsf"kr ugha dh xbZ] vr% os chek ikWfylh ls iw.kZr% voxr ugha gks lds A 4 jkT; miHkksDrk vk;ksx] t;iqj izFke vihy la[;k 709@2019 lq/kk ewna M+k o vU;
cuke ctkt ,fy;kat ykbZQ bU';ksjsUl dEiuh fyfeVsM o vU;
bZ&esy fnukad 10-10-2015 ds vuqØe esa ifjoknhx.k ds }kjk rRle; gh foi{khx.k ls chek ikWfylh fujLr fd;s tkus dh izkFkZuk dh xbZ] ftl ij foi{kh la[;k 1 vkSj 2 chek dEiuh ds }kjk bZ&esy fnukad 10-12-2015 ls ;g lwfpr fd;k x;k fd Ýh yqd ihfj;M ds Hkhrj chek ikWfylh dks fujLr djok;s tkus ckcr~ vkosnu ugha fd;k x;k] vr% chek ikWfylh fujLr djus esa vleFkZ gS A lkFk esa ;g Hkh lwfpr fd;k x;k fd ;fn ifjoknhx.k chek ikWfylh ds laca/k esa ljs.Mj osY;q izkIr djuk pkgrs gSa rks mUgsa chek ikWfylh izek.k i=] pSd vFkok cSad [kkrs dh ikl cqd vkfn miyC/k djok;s A ifjoknhx.k us etcwjho'k foi{kh la[;k 3 o 4 chek dEiuh dks leLr _.k jkf'k dk Hkqxrku djds vius _.k [kkrs dks fnukad 24-12-2015 dks cUn djok fn;k vkSj bl fglkc ls chek ikWfylh Lor% gh cUn gksdj ljs.Mj osY;q dk 'krksZa ds vuqlkj ifjoknhx.k dks Hkqxrku dh tkuh Fkh A bl ij ifjoknx.k us fnukad 26-12-2015 dks foi{khx.k dks lwfpr fd;k fd okafNr nLrkost e; chek izek.k i= miyC/k djokos ftlls ifjoknhx.k viuh iz'uxr chek ikWfylh dh jkf'k izkIr dj lds] ysfdu blds ckotwn Hkh nLrkost miyC/k ugha djok;s x;s vkSj ljs.Mj osY;q ugha nh xbZ A ifjoknhx.k ds }kjk foi{khx.k dks fnukad 19-08-2016 dks ,d uksfVl bZ&esy ds tfj;s Hkstk x;k Fkk] ysfdu bldk dksbZ tokc ugha fn;k x;k vkSj u gh 3]50]000@&:i;s dk Hkqxrku fd;k x;k gS A vr% izhfe;e dh ewy jkf'k vkSj {kfriwfrZ jkf'k fnyk;s tkus dh ekax dh xbZ A 03- foi{kh la[;k 1 o 2 chek dEiuh us tokc ifjokn i= izLrqr dj ifjokn i= dk [kaMu djrs gq, ;g crk;k gS fd ifjoknhx.k ds }kjk foi{kh la[;k 3 o 4 QkbZuUs l dEiuh ls fy;s x;s _.k dh lqj{kk gsrq foi{kh la[;k 1 o 2 chek dEiuh ls ifjokfn;k us chek djok;k Fkk A foi{kh la[;k 3 vkSj 4 ds }kjk vius }kjk fn;s x;s _.k dh lqj{kk gsrq vius _.k/kkjdksa ds fy, foi{khx.k chek dEiuh ls ,d ekLVj chek ikWfylh izkIr dh xbZ Fkh] ftldk uEcj -----78167 Fkk] ftl chek ikWfylh dk mn~ns'; chek/kkjd ds ifjokjtu dks chek/kkjd dh vkdfLed e`R;q gks tkus ij gksus okyh foÙkh; dfBukbZ dks 5 jkT; miHkksDrk vk;ksx] t;iqj izFke vihy la[;k 709@2019 lq/kk ewna M+k o vU;
cuke ctkt ,fy;kat ykbZQ bU';ksjsUl dEiuh fyfeVsM o vU;
nwj djuk Fkk A ifjoknhx.k ds }kjk Hkh fy;s x;s _.k dh lqj{kk gsrq fnukad 24-08-2015 dks izLrko&i= Hkjrs le; Lo;a ds thou dk chek foi{kh la[;k 3 o 4 chek dEiuh dks tkjhs mDr ekLVj chek ikWfylh ds rgr djok;k Fkk A mDr izLrko ij izhfe;e jkf'k izkIr gksus ij foi{kh la[;k 1 o 2 chek dEiuh ds }kjk ifjokfn;k dk chek djrs gq, lfVZfQdsV vkWQ bU';ksjsUl e; Ldhe dh 'krsZa ifjokfn;k dks mlds }kjk izLrko i= esa crkbZ x;s irs ij izsf"kr dj nh xbZ A foi{kh la[;k 1 o 2 chek dEiuh us tokc ifjokn i= esa ifjoknhx.k }kjk fd;k ;g dFku vLohdkj fd;k gS fd lfVZfQdsV vkWQ bU';ksjsUl izkIr gksus ij mUgsa 10 lky dh chek ikWfylh tkjh gksus dh tkudkjh gqbZ gks D;ksfa d mDr ckcr~ Lo;a ifjokfn;k ds }kjk izLrko i= ij gLrk{kj djrs gq, izLrko QkWeZ tfj;s foi{kh la[;k 3 o 4 QkbZusUl dEiuh] foi{kh la[;k 1 o 2 chek dEiuh dks izsf"kr fd;k x;k Fkk A tgka rd ewy chek ikWfylh ifjokfn;k dks miyC/k djok;s tkus dk iz'u gS] foi{kh la[;k 1 o 2 chek dEiuh dk dksbZ izR;{k laca/k ekLVj chek ikWfylh ds lnL; ls ugha gksrk gS A chek ikWfylh ekLVj ikWfylh gksYMj dks tkjh dh tkrh gS rFkk lnL;ksa dks ek= lfVZfQdsV vkWQ bU';ksjsUl tkjh fd;k tkrk gS] tks ifjokfn;k dks LihM iksLV ds tfj;s fnukad 21-09-2015 dks izsf"kr dj fn;k x;k Fkk A Dyse mRiUu gksus ij Hkh foi{kh la[;k 1 o 2 chek dEiuh ds }kjk Dyse ns; ik;s tkus ij Dyse jkf'k dk Hkqxrku Hkh ekLVj ikWfylh&gksYMj dks fd;k tkrk gS ftlls izkIr jkf'k dks _.k ds isVs lek;ksftr fd;k tkrk gS A bZ&esy fnuakd 10-12-2015 foi{kh la[;k 3 o 4 QkbZuUs l dEiuh ds }kjk ifjokfn;k }kjk dh xbZ chek ikWfylh dks fujLr djus ds fuosnu ds tokc esa dh xbZ gS] ftlesa foi{kh la[;k 3 o 4 QkbZusUl dEiuh ds }kjk ifjokfn;k dks ;g lwfpr fd;k x;k gS fd Ýh yqd ihfj;M esa chek ikWfylh fujLr djus dk vkosnu ugha djus ds dkj.k mudh chek ikWfylh dks fujLr ugha fd;k tk ldrk gS ijUrq mls ljs.Mj djok;k tk ldrk gS A 6 jkT; miHkksDrk vk;ksx] t;iqj izFke vihy la[;k 709@2019 lq/kk ewna M+k o vU;
cuke ctkt ,fy;kat ykbZQ bU';ksjsUl dEiuh fyfeVsM o vU;
ifjokfn;k ds }kjk foi{kh la[;k 1 o 2 chek dEiuh ls chek ikWfylh ds laca/k esa fdlh izdkj dk dksbZ lEidZ fnukad 19-08-2016 ls iwoZ ugha fd;k x;k gS A Ýh yqd ihfj;M chek izek.k i= ifjokfn;k dks izkIr gksus ls ykxw gks x;k Fkk A bZ&esy fnukad 19-08-2016 esa chek ikWfylh fujLr djus ds laca/k esa fuosnu fd;k x;k Fkk] ijUrq fu/kkZfjr izi= esa dksbZ fuosnu foi{kh la[;k 1 o 2 chek dEiuh ls ugha fd;k x;k Fkk A bl bZ&esy ls igys chek dEiuh dks chek ikWfylh fujLr djus ckcr~ ifjokfn;k ds }kjk dksbZ esy ugha Hksth xbZ vkSj u gh foi{kh la[;k 3 o 4 QkbZusUl dEiuh ds }kjk foi{kh la[;k 1 o 2 chek dEiuh dks mDRk lanHkZ esa ifjokfn;k dks fuosnu fd;s tkus dh tkudkjh miyC/k djokbZ xbZ Fkh A _.k [kkrk lekIr gksus ij ljs.Mj osY;q dk Hkqxrku vFkok chek ikWfylh pkyw j[kus dk fodYi ifjokfn;k ds ikl miyC/k Fkk] ftlls ifjokfn;k dks oafpr ugha fd;k x;k gS A foi{khx.k chek dEiuh dks fu/kkZfjr izi= esa Ýh yqd ihfj;M esa chek ikWfylh ds dSfUlys'ku dk dksbZ fuosnu izkIr ugha gqvk] u gh chek ikWfylh dSfUly djus dk fuosnu fu/kkZfjr izi= esa e; chek ikWfylh izkIr gqvk gS] ftlls chek ikWfylh dks fujLr djus vkSj ljs.Mj osY;q jkf'k ykSVkus esa foi{khx.k chek dEiuh vleFkZ Fkh A vr% mUgksaus ifjokn i= [kkfjt djus dh izkFkZuk dh A 04- foi{kh la[;k 3 vkSj 4 QkbZusUl dEiuh] ftlls ifjoknhx.k ds }kjk _.k fy;k x;k Fkk] us tokc ifjokn i= bl vk'k; dk izLrqr fd;k fd muds ,oa ifjoknhx.k ds e/; fu"ikfnr _.k vuqcU/k esa vkfcZVªs'ku DykWt gksus ds dkj.k v/khuLFk ftyk miHkksDrk vk;ksx dks bl ekeys esa lquokbZ dk {ks=kf/kdkj ugha gS A ;g Hkh crk;k x;k fd fnukad 24-12-2015 dks _.k dk Hkqxrku dj fn;k x;k gS vkSj vc muds rFkk ifjoknhx.k ds e/; _.k ds laca/k esa dksbZ ysuk&nsuk vkSj O;ogkj ugha gS] vr% mUgsa izdj.k esa vuko';d i{kdkj cuk;k x;k gS A ;g Hkh crk;k x;k fd lafonk ds izys[kksa ij gLrk{kj djus ls ifjoknhx.k fuca/kksa vkSj 'krksZa ls izfrcaf/kr gS A foi{kh la[;k 3 vkSj 4 QkbZusUl dEiuh ds }kjk tokc ifjokn i= esa ;g Hkh crk;k x;k fd muds }kjk _.k iznku fd;s tkus gsrq ifjoknhx.k dks 7 jkT; miHkksDrk vk;ksx] t;iqj izFke vihy la[;k 709@2019 lq/kk ewna M+k o vU;
cuke ctkt ,fy;kat ykbZQ bU';ksjsUl dEiuh fyfeVsM o vU;
,d thou chek ikWfylh] tks foi{kh la[;k 1 o 2 chek dEiuh ls lacfa /kr Fkh] ysus ckcr~ lq>ko fn;k x;k Fkk rFkk bl rF; dk [kaMu fd;k x;k fd ifjoknhx.k ds }kjk chek ikWfylh ysus ckcr~ bUdkj dj fn;k x;k gks rc Hkh foi{kh la[;k 3 o 4 QkbZuUs l dEiuh ds }kjk 3]50]000@&:i;s dk Hkqxrku foi{kh la[;k 1 o 2 chek dEiuh dks ifjoknhx.k ds _.k [kkrs ls fnukad 31-08-2015 dks dj fn;k x;k gks A mUgksua s ifjokn i= esa fy[ks x;s 'ks"k rF;ksa dk [kaMu djrs gq, ifjokn i= [kkfjt djus dh izkFkZuk dh A 05- foi{kh la[;k 1 o 2 chek dEiuh ds }kjk Jh jfoUnz flag jktkor rFkk foi{kh la[;k 3 o 4 QkbZuUs l dEiuh ds }kjk Jh ftrsUnz dqekj ikVhnkj dk 'kiFk i= izLrqr fd;k x;k gS] tcfd ifjoknhx.k dh vksj ls dksbZ 'kiFk i= izLrqr ugha fd;k x;k gS A 06- mHk;i{k dh cgl lqudj ifjoknhx.k ds }kjk izLrqr ifjokn i= dks bu vk/kkjksa ij [kkfjt fd;k x;k gS fd ifjokfn;k ds }kjk Hkjs x;s vkSj gLrk{kfjr izLrko&i= izn'kZ vkj&1 ds vk/kkj ij iz'uxr chek ikWfylh tkjh dh xbZ Fkh o vc chek/kkjh ;g dgus ls izfrcaf/kr gS fd mldh vuqefr vkSj lgefr ds fcuk chek ikWfylh tkjh dh xbZ gS o tgka rd iz'uxr chek ikWfylh dks ljs.Mj dj izhfe;e jkf'k 3]50]000@&:i;s okil ykSVkus dk fuosnu foi{khx.k ls djus dk gS] chek/kkjh ds }kjk iz'uxr chek ikWfylh dk izLrko&i= fnukad 24-08-2015 dks Hkjk vkSj gLrk{kfjr fd;k x;k Fkk vkSj Lo;a ifjoknhx.k ds vuqlkj muds _.k [kkrs ls fnukad 31-08-2015 dks 3]50]000@&:i;s dh dVkSrh iz'uxr chek ikWfylh ds izhfe;e isVs dh xbZ Fkh A fnukad 10-10-2015 dks izFke ckj foi{kh la[;k 1 o 2 chek dEiuh ds }kjk tkjh dh xbZ chek ikWfylh ds lfVZfQdsV dh izfr tfj;s bZ&esy izsf"kr dh xbZ Fkh] ftl ij chek ikWfylh dSfUly dj chek izhfe;e dh jkf'k 3]50]000@&:i;s okil ykSVkus dk fuosnu fd;k Fkk ftlls ;g Li"V gksrk gS fd chek/kkjd us Lohd`r :Ik ls 15 fnol ds Ýh yqd ihfj;M esa iz'uxr chek ikWfylh ds dSfUlys'ku ds fy, foi{kh la[;k 1 o 2 chek dEiuh ds ;gka vkosnu ugha fd;k o bldh iqf"V bZ&esy fnukad 10-12-2015 ls gksrh gS] 8 jkT; miHkksDrk vk;ksx] t;iqj izFke vihy la[;k 709@2019 lq/kk ewna M+k o vU;
cuke ctkt ,fy;kat ykbZQ bU';ksjsUl dEiuh fyfeVsM o vU;
tks chek/kkjd dks foi{kh la[;k 3 o 4 QkbZusUl dEiuh ds }kjk izsf"kr fd;k x;k] ls Hkh gksrh gS A 07- cgl mHk;i{k lquh xbZ ,oa i=koyh dk voyksdu fd;k x;k A 08- izR;FkhZ&foi{kh la[;k 1 o 2 chek dEiuh dh vksj ls fuEufyf[kr U;kf;d n`"VkUr is'k fd;s x;s gSa%& 1- II (2019)CPJ 53 (SC) - Reliance Life Insurance Co.Ltd. & Anr. Vs Rekhaven Nareshbhai Rathod, Decided on 24.04.2019 2- II (2014) CPJ 138 (Punj) - Surender Pal Kaur Vs Aviva Life Insurance Company India Ltd. & Anr., Decided on 02.04.2014 3- III (2013) CPJ 536 (NC) - Shrikant Murliqhar Apte Vs Life Insurance Corporation of India & Anr., Decided on 02.05.2013 4- II (2014) CPJ 620 (NC) - Col. T.S.Bakshi Vs Star Health and Allied Insurance Co.Ltd., Decided on 06.05.2014 5- I (2014) CPJ 188 (NC) - Harsh Kumar Chadha Vs Bajaj Allianz Life Insurance Co.Ltd. & Ors., Decided on 07.10.2013 6- IV (2008) CPJ 156(NC) - Life Insurance Corporation of India And Ors. Vs Siba Prasad Dash (Dr.) & Ors., Decided on 14.08.2008 7- III (2020) CPJ 236(NC) - Satya International Vs New India Assurance Company Ltd. & Ors., Decided on 04.08.2020 8- IV (2012) CPJ 148 (NC) - Ind Swift Ltd. Vs New India Assurance Company Ltd. & Ors., Decided on 17.09.2012 9- III (2017) CPJ 319 (NC) - Aman Kapoor Vs National Insurance Co.Ltd., Decided on 17.04.2017 10- NCDRC, R.P.No.2884/2010 - SBI Life Insurance Co.Ltd. Vs Smt. Asha Dixit, Decided on 10.12.2010 11- 2007 NCJ 497 (NC) - Central Coalfields Ltd. Vs Bandana Mishra and Anr., Decided on 17.07.2006 12- SCDRC, Rajasthan, Jaipur Bench No.1, F.A.No.321/2018 - Bajaj Allianz Life Insurance Co.Ltd. Vs Smt. Kesar Devi & anr., Decided on 01.11.2018 9 jkT; miHkksDrk vk;ksx] t;iqj izFke vihy la[;k 709@2019 lq/kk ewna M+k o vU;
cuke ctkt ,fy;kat ykbZQ bU';ksjsUl dEiuh fyfeVsM o vU;
13- II (2018) CPJ 196 (NC) - Rakesh Kumar Sharma Vs ICICI Prudential Life Insurance Co.Ltd. Decided on 04.03.2014 14- I (2011) CPJ 166 (NC) - LIC of India Vs Shobha Rani Shah & Ors., Decided on 15.10.2010 15- IV (2012) CPJ 690 (NC) - Mohan Lal Benal Vs ICICI Prudential Life Insurance Co.Ltd., Decided on 16.10.2012 09- geus i=koyh ij miyC/k nLrkostkr dk voyksdu fd;k ,oa izR;FkhZ&foi{kh la[;k 1 o 2 chek dEiuh dh vksj ls izLrqr fd;s x;s mDr U;kf;d fofu'p;ksa dk llEeku v/;;u fd;k A 10- mikcU/k&1 ifjoknhx.k ds i{k esa foi{kh la[;k 3 o 4 QkbZusUl dEiuh ds }kjk 63]50]000@&:i;s dh _.k jkf'k Lohd`fr dk i= gS] ftlds }kjk 3]50]000@&:i;s dk chek Hkh djok;k x;k gS A mikcU/k&2 foi{kh la[;k 3 o 4 QkbZusUl dEiuh ds ;gka j[ks x;s ifjoknhx.k ds [kkrs dh udy gS] ftlesa fnukad 31-08-2015 dks izhfe;e jkf'k 3]50]000@&:i;s MsfcV dh xbZ gS A mikcU/k&3 bZ&esy fnukad 10-10-2015 gS] tks foi{kh la[;k 3 o 4 QkbZusUl dEiuh ds }kjk ifjoknh czãizdk'k ewanM+k dks izsf"kr djuk tkfgj gksrh gS] ftlds }kjk lfVZfQdsV vkWQ bU';ksjsUl dh ,d izfr Hksth xbZ gS vkSj ;g crk;k x;k gS fd ;g ,d LokLF; chek gS A blls ;g LIk"V gksrk gS fd chek ikWfylh dh izfr foi{kh la[;k 3 o 4 ds }kjk ifjoknh czãizdk'k ewanM+k dks fnukad 10-10-2015 dks loZizFke esy ls Hksth xbZ gS A mikcU/k&4 chek izek.k i= dh izfr gS] ftlds voyksdu ls Li"V gksrk gS fd ifjokfnuh Jherh lq/kk ewanM+k dk xzqi bU';ksjsUl ekLVj chek ikWfylh ds vUrxZr djok;k x;k Fkk vkSj 3]50]000@&:i;s dh fdLr flaxy izhfe;e fdLr Fkh] tcfd ifjokn i= ds vfHkopuksa esa ;g dgk x;k gS fd mls izfr o"kZ 10 lky rd 3]50]000@&:i;s izhfe;e jkf'k tek djokuh Fkh A vr% blls ;g nf'kZr gksrk gS fd ifjoknhx.k us bl laca/k esa xyr rF; vafdr fd;s gSa A 10 jkT; miHkksDrk vk;ksx] t;iqj izFke vihy la[;k 709@2019 lq/kk ewna M+k o vU;
cuke ctkt ,fy;kat ykbZQ bU';ksjsUl dEiuh fyfeVsM o vU;
mikcU/k&5 ljs.Mj ds laca/k esa foi{kh la[;k 3 o 4 QkbZusUl dEiuh ds }kjk ifjoknh czãizdk'k ewanM+k dks Hksts x;s bZ&esy fnukad 10-12-2015 dh izfr gS] ftlds }kjk mUgkssaus ifjoknh czãizdk'k ewanM+k dks ;g lwfpr fd;k gS fd pwfa d chek fujLrhdj.k dh izkFkZuk Ýh yqd ihfj;M ds ckn izkIr gqbZ gS bl dkj.k chek ikWfylh fujLr ugha dh tk ldrh gS A blesa ;g Hkh crk;k x;k gS fd chek ikWfylh dks ljs.Mj fd;k tk ldrk gS] blds fy, izkFkZuk i=] chek izek.k i= ,oa pSd vFkok cSad iklcqd dh izfr iznku dh tkos A lkFk esas ;g Hkh lwfpr fd;k x;k gS fd ;fn ikWfylh isij ugha feys rks mls Hkh izkFkZuk i= esa vafdr fd;k tkos A blls nf'kZr gksrk gS fd foi{kh la[;k 3 o 4 QkbZusUl dEiuh ds }kjk ifjoknh czãizdk'k ewanM+k dks ;g lwfpr dj fn;k x;k Fkk fd mldh chek ikWfylh dks fujLr blfy, ugha fd;k tk ldrk D;ksafd izkFkZuk i= Ýh yqd ihfj;M ds i'pkr~ izLrqr fd;k x;k gS A lkFk gh ifjoknh czãizdk'k ewanM+k dks ;g Hkh lwfpr fd;k x;k fd og chek ikWfylh dks ljs.Mj djok ldrk gS A bl laca/k esa ifjoknhx.k us vius ifjokn i= esa dgha Hkh ugha fy[kk gS fd chek ikWfylh dks fujLr djus dh lwpuk foi{kh la[;k 3 vkSj 4 dks dc nh xbZ Fkh A ;gh fy[kk Fkk fd fnukad 10-10-2015 dks esy vkus ds rRle; gh chek ikWfylh ds fujLrhdj.k ckcr~ fy[k fn;k x;k Fkk ysfdu bl laca/k esa ifjoknhx.k dk dksbZ 'kiFk i= i=koyh ij miyC/k ugha gS u gh ifjoknhx.k uss bZ&esy fnukad 10-10-2015 ds i'pkr~ ikWfylh fujLrhdj.k ds fy, Hksts x;s bZ&esy dh izfr izLrqr dh gS A mikcU/k&6 ifjoknh ds }kjk foi{kh la[;k 3 vkSj 4 dks fnukad 26-12- 2015 dks Hksts x, bZ&esy dh izfr gS] ftlesa mlus fy[kk gS fd mUgsa vkt rd chek izek.k&i= izkIr ugha gqvk gSA bl laca/k esa Lo;a ifjoknhx.k ds }kjk izLrqr mikcU/k&3 dk voyksdu djus ls nf'kZr gksrk gS fd mlds lkFk mikcU/k&4 chek izek.k&i= foi{kh la[;k 3 vkSj 4 ds }kjk ifjoknhx.k dks fHktok fn;k x;k FkkA vr% mikcU/k&6 esa fy[kh xbZ ;g ckr lgh izrhr ugha gksrh gS fd ifjoknhx.k dks vc rd chek izek.k&i= ugha feyk gSA 11 jkT; miHkksDrk vk;ksx] t;iqj izFke vihy la[;k 709@2019 lq/kk ewna M+k o vU;
cuke ctkt ,fy;kat ykbZQ bU';ksjsUl dEiuh fyfeVsM o vU;
foi{khx.k ds vfHkopuksa vkSj lk{; ls ;g nf'kZr gksrk gS fd ewy chek izek.k&i= chek daiuh ds }kjk _.k iznku djus okyh laLFkk dks gh Hkstk tkrk gS vkSj mldh lwpuk chek/kkjh lnL;ksa dks Hkh Hksth tkrh gS] tks foi{kh la[;k 1 vkSj 2 ds }kjk ifjoknh dks Hkh tfj;s Mkd izsf"kr dj nh xbZ Fkh] ftldk dksbZ l'kiFk [k.Mu ifjoknhx.k dh vksj ls ugha fd;k x;k gSA mikcU/k&7 ifjoknh Jh czãizdk'k ewUnM+k ds }kjk foi{kh la[;k 1 vkSj 2 dks Hkstk x;k bZ&esy fnukad 19-08-2016 gS] ftlesa ;g Lohdkj fd;k x;k gS fd chek dh 'krsZ mls etcwju Lohdkj djuh iM+h FkhA blls ;g nf'kZr gksrk gS fd ifjokfn;k lq/kk ewUnM+k us izLrko QkWeZ Hkjdj vius gLrk{kj djds foi{kh la[;k 3 vkSj 4 ds tfj;s foi{kh la[;k 1 vkSj 2 chek da iuh dks fHktok;k Fkk rFkk mldh lgefr ls gh mlds _.k [kkrs ls 3]50]000@&:i;s flaxy izhfe;e jkf'k dkVdj izhfe;e jkf'k dk Hkqxrku foi{kh la[;k 1 vkSj 2 chek daiuh dks fd;k x;k FkkA blls ;g Hkh nf'kZr gksrk gS fd ifjokfn;k lq/kk ewUnM+k dks ;g rF; ekywe Fkk fd foi{kh la[;k 3 vkSj 4 ds _.k dh lqj{kk djus ds fy, gh mldk chek djok;k x;k FkkA bl bZ&esy esa vkxs ;g fy[kk x;k gS fd *mls fnukad 10-10-2015 dks chek izek.k&i= dh ,d izfr bZ&esy ls Hksth xbZ FkhA ;fn vkids ikl igys bl chek ikWfylh dks Hkstus dk Acknowledgement gS rks d`i;k lwfpr djsAa mlh fnu eSaus chek ikWfylh dks dSafly djus ds fy, vkosnu dj fn;k Fkk] ysfdu vkids ;gka ls lwpuk vkbZ dh Ýh yqd ihfj;M fudy pqdk gS tcfd blds ckjs esa vkius eq>s lwfpr ugha fd;k vkSj u gh eq>s ewy chek izek.k&i= HkstkA fnukad 26-12-2015 dks iqu% bZ&esy Hkstk fd eq>s vc rd chek izek.k&i= ugha feyk gSA fnukad 28-12-2015 dks vkids ;gka ls eq>s bZ&esy feyk dh ewy chek izek.k&i= nsus ij gh chek ikWfylh dSafly djsxsa vkSj eq>s ljsaMj osY;q nsxAsa * ifjoknhx.k ds }kjk fnukad 28-12-2015 ds bZ&esy dh izfr izLrqr ugha dh xbZ gSA bZ&esy fnukad 10-12-2015 esa dgha Hkh ;g ugha fy[kk gS fd ewy chek izek.k&i= ljsM a j osY;q ysus ds fy, izLrqr djuk iM+x s k D;ksafd foi{khx.k 12 jkT; miHkksDrk vk;ksx] t;iqj izFke vihy la[;k 709@2019 lq/kk ewna M+k o vU;
cuke ctkt ,fy;kat ykbZQ bU';ksjsUl dEiuh fyfeVsM o vU;
ds vfHkopuksa vkSj lk{; esa ;g rF; vk;k gS fd ewy chek izek.k&i= foi{kh la[;k 3 vkSj 4 ds ;gka jgrk gS vkSj chek izek.k&i= lHkh lnL;ksa dks Hkstk tkrk gSA 13- mikcU/k&8 ctkt vkfy;kat ykbQ ba';ksjsl a daiuh fyfeVsM dks Hkstk x;k fof/kd uksfVl gS ftlesa Hkh ;g Lohdkj fd;k x;k gS fd fnukad 10-10-2015 dks eq>s chek izek.k&i= fey x;k Fkk vkSj mlus mlh fnu vFkkZr 10-10-2015 dks gh chek ikWfylh dSafly djus ds fy, vkosnu dj fn;k Fkk ysfdu tSlk dh iwoZ esa crk;k x;k gS fd mlds dksbZ esy ;k vkosnu i= dh izfr ifjoknhx.k ds }kjk izLrqr ugha dh xbZ gSA vr% lkfcr ugha gksrk gS fd Ýh yqd ihfj;M esa chek ikWfylh ds fujLrhdj.k gsrq ifjoknhx.k us vkosnu dj fn;k Fkk A 14- izn'kZ vkj&1 foi{khx.k dh vksj ls izLrqr nLrkost gS] tks chek izLrko QkWeZ gS] ftlesa izhfe;e dh jkf'k 3]50]000@&:i;s vkSj dsoy ,d izhfe;e vnk djus dk rF; blesa fy[kk x;k gSA bl ij ifjokfn;k Jherh lq/kk ewUnM+k ds gLrk{kj Hkh gSA bldk ,d dkWye ekLVj chek ikWfylh gksYMj foi{kh la[;k 3 vkSj 4 ds }kjk Hkjk x;k gS] ftlesa ifjoknhx.k ds _.k [kkrs dk uEcj fy[kk gqvk gSA vr% blls nf'kZr gksrk gS fd ifjokfn;k Jherh lq/kk ewUnM+k ds }kjk Lo;a chek izLrko QkWeZ Hkjdj flaxy izhfe;e jkf'k tek djokus dh lgefr nh xbZ FkhA 15 izLrqr dh xbZ lk{; ,oa nLrkost ds izdk'k esa geus ekeys ij xaHkhjrk ls fopkj fd;k gS vkSj ;g ik;k gS fd bl ekeys esa vihykFkhZx.k&ifjoknhx.k us izR;FkhZ&foi{kh la[;k 3 o 4 ls 63]50]000@&:i;s dk ,d _.k izkIr djus dk izkFkZuk i= izLrqr fd;k Fkk] ftl ij fnukad 19-08-2015 dks vihykFkhZx.k&ifjoknhx.k dks 63]50]000@&:i;s dk _.k Lohd`r fd;k x;k Fkk A _.k dh lqj{kk ds fy, vihykFkhZ la[;k 1&ifjokfn;k Jherh lq/kk ewUnM+k ds uke ls chek ikWfylh djkus gsrq _.kh ds _.k [kkrs ls 3]50]000@&:i;s dh jkf'k dkVh xbZ vkSj izR;FkhZ&foi{kh la[;k 1 vkSj 2 chek dEiuh dks izLrko QkWeZ izn'kZ vkj&1 Hkstk x;k] ftl ij izR;FkhZ&foi{kh 13 jkT; miHkksDrk vk;ksx] t;iqj izFke vihy la[;k 709@2019 lq/kk ewna M+k o vU;
cuke ctkt ,fy;kat ykbZQ bU';ksjsUl dEiuh fyfeVsM o vU;
la[;k 1 vkSj 2 chek dEiuh dh ekLVj chek ikWfylh ds vUrxZr 20]33]688@&:i;s dk chek vihykFkhZ la[;k 1&ifjokfnuh Jherh lq/kk ewUnM+k ds uke ls fd;k x;k vkSj mldk izek.k i= Mkd ls fnukad 21-09-2015 dks izsf"kr dj fn;k x;k Fkk A nLrkostkr ls ;g izekf.kr gksrk gS fd ;g chek vihykFkhZx.k&ifjoknhx.k dh lgefr ls LosPNk ls fd;k x;k Fkk D;ksfa d izR;FkhZ&foi{kh la[;k 3 vkSj 4 QkbZuUs l dEiuh vius _.k dh lqj{kk gsrq ,slk chek djokuk pkgrh Fkh vkSj blds fy, vihykFkhZx.k&ifjoknhx.k us viuh lgefr nh Fkh A lk{; ls ;g Hkh nf'kZr gksrk gS fd ;g chek flaxy chek izhfe;e Fkk vkSj blds fy, dh vihykFkhZx.k&ifjoknhx.k dks 3]50]000@&:Ik;s dh ,d fdLr gh pqdkuh Fkh vkSj mlds ek/;e ls nl lky dh vof/k ds fy, chek fd;k x;k Fkk D;ksfa d _.k dks 180 fdLrksa esa pqdk;k tkuk Fkk A lk{; ls ;g Hkh nf'kZr gksrk gS fd vihykFkhZ la[;k 1&ifjokfn;k dks chek izek.k i= dh izfr izR;FkhZ&foi{kh la[;k 3 vkSj 4 QkbZusUl dEiuh us tfj;s bZ&esy fnukad 10-10-2015 dks Hksth Fkh] ysfdu vihykFkhZ la[;k 1&ifjokfnuh us Ýh yqd ihfj;M ds nkSjku chek ikWfylh dks dSafly djus ds fy, vkosnu ugha fd;k A lk{; ls ;g Hkh nf'kZr gksrk gS fd fnukad 10-10-2015 ds i'pkr~ fnukad 10-12-2015 dks izR;FkhZ&foi{kh la[;k 3 vkSj 4 us iqu% bZ&esy izsf"kr fd;k Fkk] ftlesa ;g crk;k x;k Fkk fd Ýh yqd ihfj;M esa chek izek.k i= izLrqr ugha gksus ls chek ikWfylh dk fujLrhdj.k ugha gks ldrk gS A bl izdkj bl ekeys esa tgka izR;FkhZ&foi{kh la[;k 1 vkSj 2 chek dEiuh ds }kjk flrEcj]2015 esa gh Mkd ds tfj;s chek/kkjh dks chek izek.k i= Hkstk tkuk lkfcr gksrk gS] ogha izR;FkhZ&foi{kh la[;k 3 vkSj 4 QkbZuUs l dEiuh ds }kjk Hkh fnukad 10-10-2015 dks chek izek.k i= dh izfr chek/kkjh dks Hkstk tkuk lkfcr gksrk gS ysfdu vihykFkhZx.k&ifjoknhx.k dh vksj ls chek fujLrhdj.k dk izkFkZuk i= Hksts tkus ds dksbZ esy vFkok izkFkZuk i= dh izfr;ka l'kiFk izLrqr ugha gqbZ gS A vr% blls ;g lkfcr gksrk gS fd Ýh 14 jkT; miHkksDrk vk;ksx] t;iqj izFke vihy la[;k 709@2019 lq/kk ewna M+k o vU;
cuke ctkt ,fy;kat ykbZQ bU';ksjsUl dEiuh fyfeVsM o vU;
yqd ihfj;M ds nkSjku vihykFkhZx.k&ifjoknhx.k us chek ikWfylh ds fujLrhdj.k ds fy, dksbZ lwpuk izR;FkhZx.k&foi{khx.k dks ugha nh Fkh A vr% v/khuLFk ftyk miHkksDrk vk;ksx ds }kjk bl fu"d"kZ ij igqapus esa dksbZ fof/kd =qfV ugha dh xbZ gS fd Ýh yqd ihfj;M ds nkSjku chek ikWfylh dks dSflay djkus dk fuosnu chek/kkjh ds }kjk ugh fd;k x;k Fkk A 16- vihykFkhZx.k&ifjoknhx.k dh vksj ls ;g cgl Hkh dh xbZ gS fd ;g chek ikWfylh /kks[kk/kM+h vkSj Ny&dIkV ls djokbZ xbZ gS A bl lac/a k esa gekjs fouez er esa miHkksDrk laj{k.k vf/kfu;e ds vUrxZr lsoknks"k ,oa vuqfpr O;kikj&O;ogkj ds lac/a k esa mipkj iznku fd;k tkrk gS rFkk tgka vihykFkhZx.k&ifjoknhx.k ds chek ikWfylh dks /kks[kk/kM+h vkSj Ny&diV ls tkjh fd;s tkus dk vfHkopu fd;k x;k gS rks v/khuLFk ftyk miHkksDrk vk;ksx dks ml ij fu.kZ; djus dk dksbZ {ks=kf/kdkj ugha gS vkSj blds fy, vihykFkhZx.k&ifjoknhx.k dks l{ke U;k;ky; ds le{k tkuk pkfg;s Fkk A vr% bl lac/a k esa vihykFkhZx.k&ifjoknhx.k ds }kjk dh xbZ ;g cgl Lohdkj fd;s tkus ;ksX; ugha ikbZ tkrh gS fd Ny&diV vkSj /kks[kk/kM+h ls dh xbZ chek ikWfylh dh izhfe;e jkf'k mUgsa fjQ.M djokbZ tkos A 17- blds vfrfjDr bl ekeys esa vihykFkhZ&ifjoknh la[;k 2 Jh czãizdk'k ewUnM+k dks bZ&esy fnukad 10-12-2015 mikcU/k&5 ls Hkh ;g lwfpr dj fn;k x;k Fkk fd ;fn chek/kkjh chek ikWfylh dks ljs.Mj djokuk pkgrk gS rks mls chek izek.k i=] pSd vFkok cSad ikl cqd dh izfr izLrqr djuh gksxh] ysfdu chek/kkjh us ewy chek ikWfylh mls ugha feyus ds vk/kkj ij ljs.Mj dk izkFkZuk i= Hkh izsf"kr djus esa vleFkZrk crkbZ gS] tks gekjh fouez jk; esa mfpr ugha gS D;ksafd ewy chek izek.k i= ds fy, fdlh Hkh esy essa funsZf'kr ugha fd;k x;k gS rFkk ewy chek izek.k i= chek dEiuh ds }kjk lHkh lnL;ksa dks tkjh ugha fd;k tkrk gS] dsoy ek= ekLVj chek ikWfylhgksYMj dks gh Hkstk tkrk gS A ,slk izrhr gksrk gS fd vihykFkhZx.k&ifjoknhx.k us leLr izfØ;k ls okfdQ gksrs gq, Hkh izR;FkhZ&foi{kh la[;k 1 o 2 chek dEiuh ds ;gka chek ikWfylh ljs.Mj dk mfpr izkFkZuk i= izLrqr ugha fd;k vkSj ewy 15 jkT; miHkksDrk vk;ksx] t;iqj izFke vihy la[;k 709@2019 lq/kk ewna M+k o vU;
cuke ctkt ,fy;kat ykbZQ bU';ksjsUl dEiuh fyfeVsM o vU;
chek ikWfylh ughaa fn;s tkus ds vk/kkj ij gh vkosnu djus esa vlEkFkZrk trkbZ] tks vihykFkhZx.k&ifjoknhx.k ds vuqfpr O;kikj dks nf'kZr djrk gS A 18- vr% mijksDr foospu ls ge bl fu"d"kZ ij igqaprs gSa fd v/khuLFk ftyk miHkksDrk vk;ksx ds }kjk vihykFkhZx.k&ifjoknhx.k ds ifjokn i= dks [kkfjt djus esa fdlh izdkj dh fof/kd vkSj rF;kRed =qfV ugha dh xbZ gS rFkk bl vk;ksx ds }kjk Hkh leLr i=koyh ds voyksdu ds i'pkr~ vkSj vihykFkhZx.k&ifjoknhx.k ds }kjk viuh vihy esa mBk;s x;s vk/kkjksa ds en~nsutj ge bl fu"d"kZ ij igaqps gSa fd iz'uxr chek ikWfylh LosPNk ls djokbZ xbZ Fkh rFkk chek/kkjh ds }kjk chek ikWfylh ds fujLrhdj.k dh izkFkZuk chek ikWfylh izkIr gksus ds 15 fnol esa ugha dh xbZ Fkh vkSj u gh chek dEiuh ds }kjk tkudkjh fn;s tkus ds mijkUr Hkh chek ikWfylh dks le; iwoZ ljs.Mj djkus dh dk;Zokgh dh xbZ A vr% bl dkj.k vihykFkhZx.k&ifjoknhx.k ds }kjk izLrqr ;g vihy [kkfjt fd;s tkus ;ksX; ikbZ tkrh gS A vkns'k vihykFkhZx.k&ifjoknhx.k ds }kjk izR;FkhZx.k&foi{khx.k ds fo:) izLrqr ;g vihy [kkfjt dh tkrh gS A fo}ku ftyk miHkksDrk fookn izfrrks"k vk;ksx] t;iqj prqFkZ] t;iqj ds }kjk ifjokn izdj.k la[;k 81@2017 & lq/kk ewawnM+k o vU; cuke ctkt ,fy;kat ykbZQ bU';ksjsUl dEiuh fyfeVsM o vU; esa ikfjr fu.kZ; fnukad 04-04-2019 iq"V fd;k tkrk gS A ¼lat; Vkd½ ¼fueZy flag esM+roky½ lnL; ihBklhu lnL; ¼U;kf;d½ fVdaj