State Consumer Disputes Redressal Commission
Branch Manager, Punjab National Bank, ... vs Ramchand Janghel & Anr on 30 October, 2024
Appeal Nos. : FA/24/241 to B.M., Punjab National Bank Vs. Ghanaram Sahu & Ors. Date of Pronouncement:
261, FA/24/269 to 289 (With 41 other appeals) 30/10/2024
AFR / NAFR
CHHATTISGARH STATE
CONSUMER DISPUTES REDRESSAL COMMISSION
PANDRI, RAIPUR
Date of Institution: 13/04/2024
Date of Final Hearing: 14/10/2024
Date of Pronouncement: 30/10/2024
APPEAL No.- FA/24/241
IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur,
Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant
Through: Shri Nikhil Agrawal, Advocate
Vs.
1.Ghanaram Sahu, S/o. Shri Narottam Sahu, R/o. Vill. Parsahi, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate Date of Institution: 13/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/242 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Rajkumar Sahu, S/o. Shri Vishram Sahu, R/o. Vill. Parsahi, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate Date of Institution: 13/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/243 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs. All appeals partly allowed. Page 1 of 27 Appeal Nos. : FA/24/241 to B.M., Punjab National Bank Vs. Ghanaram Sahu & Ors. Date of Pronouncement: 261, FA/24/269 to 289 (With 41 other appeals) 30/10/2024
1. Lekhuram Sahu, S/o. Shri Jhumuklal Sahu, R/o. Vill. Parsabod, Parsahi, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate Date of Institution: 13/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/244 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Ghanshyam Sahu, S/o. Shri Ganeshram Sahu, R/o. Vill. Parsahi, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate Date of Institution: 13/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/245 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Siyaram Sahu, S/o. Shri Dasaru, R/o. Vill. Jagannathpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate Date of Institution: 13/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/246 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, All appeals partly allowed. Page 2 of 27 Appeal Nos. : FA/24/241 to B.M., Punjab National Bank Vs. Ghanaram Sahu & Ors. Date of Pronouncement:
261, FA/24/269 to 289 (With 41 other appeals) 30/10/2024 Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Tekeshwar Verma, S/o. Shri Laxman Verma, R/o. Vill. Jagannathpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate Date of Institution: 13/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/247 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Narendra Kumar Verma, S/o. Shri Pannalal Verma, R/o. Vill. Banboda, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate Date of Institution: 13/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/248 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Mahendra Kumar Verma, S/o. Shri Pardeshi Verma, R/o. Vill. Banboda, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate All appeals partly allowed. Page 3 of 27 Appeal Nos. : FA/24/241 to B.M., Punjab National Bank Vs. Ghanaram Sahu & Ors. Date of Pronouncement:
261, FA/24/269 to 289 (With 41 other appeals) 30/10/2024 Date of Institution: 13/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/249 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Doojram Verma, S/o. Shri Dhannalal Verma, R/o. Vill. Sirsahi, P.O. Gataparkala, Tah. Dongargarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate Date of Institution: 13/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/250 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Umashankar alias Udelal Verma, S/o. Shri Teekam Singh Verma, R/o. Vill. Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate Date of Institution: 13/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/251 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Babulal Lahre, S/o. Shri Anupdas Lahre, R/o. Vill. Dehan, P.O. Mudhipar, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate All appeals partly allowed. Page 4 of 27 Appeal Nos. : FA/24/241 to B.M., Punjab National Bank Vs. Ghanaram Sahu & Ors. Date of Pronouncement:
261, FA/24/269 to 289 (With 41 other appeals) 30/10/2024
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate Date of Institution: 13/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/252 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Jayendra Kumar Verma, S/o. Shri Shatrughan Sahu, R/o. Vill. Khairbana, Tah. Dongargarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, AdvocateDate of Institution: 13/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/253 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Parmanand Gond, S/o. Shri Jaitram Gond, R/o. Vill. Baigatola, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate Date of Institution: 13/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/254 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Sukhnandan Kosre, S/o. Shri Babulal Kosre, All appeals partly allowed. Page 5 of 27 Appeal Nos. : FA/24/241 to B.M., Punjab National Bank Vs. Ghanaram Sahu & Ors. Date of Pronouncement:
261, FA/24/269 to 289 (With 41 other appeals) 30/10/2024 R/o. Vill. Rivagahan, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate Date of Institution: 13/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/255 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Harishchandra Verma, S/o. Shri Mangalram Verma, R/o. Vill. Karela, P.O. Dhara, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate Date of Institution: 13/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/256 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Dilip Kumar, S/o. Shri Rajendra Janghela, R/o. Vill. Karela, P.O. Dhara, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate Date of Institution: 13/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/257 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, All appeals partly allowed. Page 6 of 27 Appeal Nos. : FA/24/241 to B.M., Punjab National Bank Vs. Ghanaram Sahu & Ors. Date of Pronouncement: 261, FA/24/269 to 289 (With 41 other appeals) 30/10/2024 Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Chandresh Sinha, S/o. Shri Ravi Kumar Sinha, R/o. Vill. Karela, P.O. Dhara, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate Date of Institution: 13/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/258 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Janak Ram Verma, S/o. Shri Ramdayal Verma, R/o. Vill. Karela, P.O. Dhara, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate Date of Institution: 13/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/259 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Arun Verma, S/o. Shri Ravilal Verma, R/o. Vill. Karela, P.O. Dhara, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate All appeals partly allowed. Page 7 of 27 Appeal Nos. : FA/24/241 to B.M., Punjab National Bank Vs. Ghanaram Sahu & Ors. Date of Pronouncement:
261, FA/24/269 to 289 (With 41 other appeals) 30/10/2024 Date of Institution: 13/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/260 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Santuram Verma, S/o. Shri Dashrath Verma, R/o. Vill. Karela, P.O. Dhara, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate Date of Institution: 13/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/261 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Jitendra Kumar Janghel, S/o. Shri Krishna Kumar Janghel, R/o. Vill. Karela, P.O. Dhara, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate Date of Institution: 13/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/269 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Shrawan Kumar Chakradhari, S/o. Shri Gulamram Chakradhari, R/o. Vill. Karela, P.O. Dhara, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate All appeals partly allowed. Page 8 of 27 Appeal Nos. : FA/24/241 to B.M., Punjab National Bank Vs. Ghanaram Sahu & Ors. Date of Pronouncement:
261, FA/24/269 to 289 (With 41 other appeals) 30/10/2024
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate Date of Institution: 13/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/270 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Thansingh Verma, S/o. Shri Govind Verma, R/o. Vill. Karela, P.O. Dhara, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate Date of Institution: 13/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/271 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Prakash God, S/o. Shri Preetram Mandavi, R/o. Vill. Karela, P.O. Dhara, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate Date of Institution: 13/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/272 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs. All appeals partly allowed. Page 9 of 27 Appeal Nos. : FA/24/241 to B.M., Punjab National Bank Vs. Ghanaram Sahu & Ors. Date of Pronouncement: 261, FA/24/269 to 289 (With 41 other appeals) 30/10/2024
1. Rukhmani Janghel, S/o. Shri Ramchandra Janghel, R/o. Vill. Karela, P.O. Dhara, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate Date of Institution: 13/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/273 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Ramchandra Janghel, S/o. Shri Tarasram Janghel, R/o. Vill. Karela, P.O. Dhara, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate Date of Institution: 14/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/274 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Kaluram, S/o. Shri Bheekham, R/o. Vill. Karela, P.O. Dhara, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate Date of Institution: 14/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/275 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, All appeals partly allowed. Page 10 of 27 Appeal Nos. : FA/24/241 to B.M., Punjab National Bank Vs. Ghanaram Sahu & Ors. Date of Pronouncement:
261, FA/24/269 to 289 (With 41 other appeals) 30/10/2024 Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Chaturram Lodhi, S/o. Shri TularamLodhi, R/o. Vill. Karela, P.O. Dhara, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate Date of Institution: 14/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/276 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Anjoriram Nishad, S/o. Shri Heersingh Nishad, R/o. Vill. Parsahi, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate Date of Institution: 14/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/277 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Dinesh Kumar Verma, S/o. Shri Jagnuram Verma, R/o. Vill. Karela, P.O. Dhara, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate All appeals partly allowed. Page 11 of 27 Appeal Nos. : FA/24/241 to B.M., Punjab National Bank Vs. Ghanaram Sahu & Ors. Date of Pronouncement:
261, FA/24/269 to 289 (With 41 other appeals) 30/10/2024 Date of Institution: 14/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/278 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Lakhan Mandavi, S/o. Shri Bhavat Mandavi, R/o. Vill. Karela, P.O. Dhara, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate Date of Institution: 14/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/279 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Bhukhanlal Kosre, S/o. Shri Garibdas Kosre, R/o. Vill. Karela, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate Date of Institution: 14/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/280 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Janki Bai God, S/o. Shri Ramsukh God, R/o. Vill. Karela, P.O. Dhara, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate All appeals partly allowed. Page 12 of 27 Appeal Nos. : FA/24/241 to B.M., Punjab National Bank Vs. Ghanaram Sahu & Ors. Date of Pronouncement:
261, FA/24/269 to 289 (With 41 other appeals) 30/10/2024
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari,, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate Date of Institution: 14/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/281 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Santkumar Kanwar, S/o. Shri Ganiram Kanwar, R/o. Vill. Karela, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate Date of Institution: 14/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/282 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Doman Singh, S/o. Shri Jagnuram, R/o. Vill. Karela, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate Date of Institution: 14/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/283 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs. All appeals partly allowed. Page 13 of 27 Appeal Nos. : FA/24/241 to B.M., Punjab National Bank Vs. Ghanaram Sahu & Ors. Date of Pronouncement: 261, FA/24/269 to 289 (With 41 other appeals) 30/10/2024
1. Santuram Verma, S/o. Shri Dashrath Verma, R/o. Vill. Karela, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate Date of Institution: 14/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/284 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Prakash God, S/o. Shri Preetram Mandavi, R/o. Vill. Karela, P.O. Dhara, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate Date of Institution: 14/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/285 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Rajkapoor Mochi, S/o. Shri Gendlal Mochi, R/o. Vill. & P.O. Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate Date of Institution: 14/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/286 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, All appeals partly allowed. Page 14 of 27 Appeal Nos. : FA/24/241 to B.M., Punjab National Bank Vs. Ghanaram Sahu & Ors. Date of Pronouncement:
261, FA/24/269 to 289 (With 41 other appeals) 30/10/2024 Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Gajadhar Verma, S/o. Shri Sukhram Verma, R/o. Vill. & P.O. Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate Date of Institution: 14/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/287 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Lalit Kumar Verma, S/o. Shri Jagnuram Verma, R/o. Vill. Karela, P.O. Dhara, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate Date of Institution: 14/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/288 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Dhansai God, S/o. Shri Dasru, R/o. Vill. & P.O. Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate All appeals partly allowed. Page 15 of 27 Appeal Nos. : FA/24/241 to B.M., Punjab National Bank Vs. Ghanaram Sahu & Ors. Date of Pronouncement:
261, FA/24/269 to 289 (With 41 other appeals) 30/10/2024 Date of Institution: 14/04/2024 Date of Final Hearing: 14/10/2024 Date of Pronouncement: 30/10/2024 APPEAL No.- FA/24/289 IN THE MATTER OF :
Branch Manager, Punjab National Bank, Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... O. P. No.1 /Appellant Through: Shri Nikhil Agrawal, Advocate Vs.
1. Kumbh Lal Sinha, S/o. Shri Punuram Sinha, R/o. Vill. Bhandarpur, Tah. Khairagarh, Dist. Rajnandgaon (C.G.) ... Complainant /Respondent No.1 Through: Shri G.L. Verma, Advocate
2. Manager, Agriculture Insurance Co. of India Ltd., "Jeevan Prakash", Jeevan Bima Marg, Pandari, Raipur (C.G.) - 492 004 ... O.P. No.2 /Respondent No.2 Through: Shri Sunil Kumar Patel, Advocate CORAM: -
HON'BLE SHRI JUSTICE GAUTAM CHOURDIYA, PRESIDENT HON'BLE SHRI PRAMOD KUMAR VARMA, MEMBER PRESENT IN ALL APPEALS: -
Shri G.L. Verma, Advocate for complainant. Shri Niknil Agrawal for Punjab National Bank. Shri Sunil Kumar Patel for Agriculture Insurance Co. of India Ltd.
ORDER PER: - JUSTICE GAUTAM CHOURDIYA, PRESIDENT This order will govern disposal of all the above appeals filed under section 41 of the Consumer Protection Act 2019 (hereinafter called "the Act" for short) arising out of the order passed by District Consumer Disputes Redressal Commission, Rajnandgaon (hereinafter called "District Commission" for short). However all these appeals involve same question of law and facts but the area of agricultural land, awarded amount of compensation towards insurance claim and mental agony etc. are different as detailed in table below : -
Amount of
Area of Compensation Compensation
Sr. Appeal Complaint
Name of the complainant Land towards Crop for mental loss
No. No. Case No.
(Ha.) Insurance (Rs.)
(Rs.)
Decided by common impugned orders dated 22.01.2024 by the District Commission 1 FA/24/241 CC/21/54 Ghanaram Sahu 1.4830 32,161/- 3,000/- 2 FA/24/242 CC/21/60 Rajkumar Sahu 1.2560 27,238/- 2,500/- 3 FA/24/243 CC/21/61 Lekhuram Sahu 0.8330 13,703/- 2,000/-
& 0.3360 & 7,287/-
4 FA/24/244 CC/21/62 Ghanshyam Sahu 1.8780 40,727/- 4,000/-
5 FA/24/245 CC/21/63 Siyaram Sahu 0.8220 19,105/- 2,000/-
6 FA/24/246 CC/21/66 Tekeshwar Sahu 3.0690 71,327/- 7,000/-
All appeals partly allowed. Page 16 of 27
Appeal Nos. : FA/24/241 to B.M., Punjab National Bank Vs. Ghanaram Sahu & Ors. Date of Pronouncement:
261, FA/24/269 to 289 (With 41 other appeals) 30/10/2024
7 FA/24/247 CC/21/50 Narendra Kumar Verma 1.0870 45,076/- 4,500/-
8 FA/24/248 CC/21/101 Mahendra Kumar Verma 1.9680 36,348/- 3,500/-
Decided by impugned orders dated 22.01.2024 by the District Commission 9 FA/24/249 CC/21/51 Doojram Verma 1.9140 57,972/- 5,500/-
Decided by impugned order dated 31.01.2024 by the District Commission 10 FA/24/250 CC/21/282 Umashankar alias Udelal Verma 3.452 63,758/- 6,000/-
Decided by separate impugned orders dated 22.01.2024 by the District Commission 11 FA/24/251 CC/21/33 Babulal Lahre 5.7430 1,28,845/- 10,000/- 12 FA/24/252 CC/21/81 Jayendra Kumar Verma 1.8410 58,912/- 5,500/- 13 FA/24/253 CC/21/52 Parmanand God 2.8070 60,410/- 6,000/- 14 FA/24/254 CC/21/100 Sukhnandan Kosre 1.4730 27,518/- 2,500/-
Decided by common impugned orders dated 22.01.2024 by the District Commission 15 FA/24/255 CC/21/26 Harishchandra Verma 1.0410 29,224/- 3,000/- 16 FA/24/256 CC/21/27 Dilip Kumar 3.8220 1,07,295/- 10,000/- 17 FA/24/257 CC/21/28 Chandresh Sinha 2.0070 56,342/- 5,500/- 18 FA/24/258 CC/21/29 Janak Ram Verma 1.1930 33,492/- 3,000/- 19 FA/24/259 CC/21/30 Arun Verma 1.5850 44,495/- 4,000/- 20 FA/24/260 CC/21/31 Santuram Verma 1.3340 37,449/- 3,500/- 21 FA/24/261 CC/21/32 Jitendra Kumar Janghel 0.5220 14,654/- 1,500/- 22 FA/24/269 CC/21/34 Shrawan Kumar Chakradhari 0.7970 22,375/- 2,000/- 23 FA/24/270 CC/21/35 Thansingh Verma 2.376 66,701/- 6,000/- 24 FA/24/271 CC/21/38 Prakash God 4.7260 1,32,673/- 10,000/- 25 FA/24/272 CC/21/39 Rukmani Janghel 1.9230 53,985/- 5,000/- 26 FA/24/273 CC/21/40 Ramchandra Janghel 1.3150 36,915/- 3,500/- 27 FA/24/274 CC/21/41 Kaluram 0.7700 21,616/- 2,000/- 28 FA/24/275 CC/21/42 Chaturram Lodhi 2.0010 56,174/- 5,500/- 29 FA/24/276 CC/21/47 Anjoriram Nishad 1.4260 40,033/- 4,000/- 30 FA/24/277 CC/21/53 Dinesh Kumar Verma 1.2580 35,316/- 5,000/-
& 0.7290 & 17,874/-
31 FA/24/278 CC/21/55 Lakhan Mandavi 1.2950 36,355/- 5,000/-
& 0.7090 & 17,384/-
32 FA/24/279 CC/21/57 Bhukhanlal Kosre 0.6060 17,013/- 1,500/-
33 FA/24/280 CC/21/58 Janki Bai God 0.7090 11,370/- 3,000/-
& 0.4050 & 17,384/-
34 FA/24/281 CC/21/64 Santkumar Kanwar 1.5280 42,896/- 4,000/-
35 FA/24/282 CC/21/67 Dhoman Singh Verma 1.5690 44,046/- 4,000/-
& 0.7120
36 FA/24/283 CC/21/77 Santuram Verma 1.3340 41,600/- 4,000/-
37 FA/24/284 CC/21/79 Prakash God 4.7260 1,47,380/- 10,000/-
38 FA/24/285 CC/21/48 Rajkapoor Mochi 1.4910 36,557/- 3,500/-
39 FA/24/286 CC/21/49 Gajadhar Verma 2.0160 49,429/- 5,000/-
40 FA/24/287 CC/21/56 Lalit Kumar Verma 2.4310 59,604/- ---
41 FA/24/288 CC/21/59 Dhansai God 5.1110 1,25,312/- 12,000/-
42 FA/24/289 CC/21/65 Kumbhlal Sinha 0.3800 9,317/- 1,000/-
The opposite party No.1/ appellant herein Bank was directed to pay within 60 days the above amount of compensation to the concerned complainant with interest @ 6% p.a. from the date of complaint along with cost of litigation Rs.3,000/-. Failing which the interest was directed to be paid @ 9% p.a. from the date of complaint, whereas the opposite party No.2/ Agriculture Insurance Co. of India Ltd. was exonerated from the any liability of payment of compensation.
2. Feeling aggrieved the opposite party No.1 Bank has challenged the impugned order by way of these appeals. For the purpose of convenience the facts of appeal No.FA/24/241 (arising out of Complaint Case All appeals partly allowed. Page 17 of 27 Appeal Nos. : FA/24/241 to B.M., Punjab National Bank Vs. Ghanaram Sahu & Ors. Date of Pronouncement:
261, FA/24/269 to 289 (With 41 other appeals) 30/10/2024 No.CC/21/54) are being considered in this common order. Hereinafter in this order, for the purpose of convenience, the parties are referred as per their original nomenclature before the District Commission.
3. Briefly stated the facts of the case are that the complainant obtained crop insurance under Pradhan Mantri Fasal Bima Yojana for Kharif season 2019 from the opposite party No.2 and premium of which was deducted by the opposite party No.1 Bank from his Savings Bank Account and sent to the opposite party No.1 insurance company. In the year 2019 due to scanty rainfall and natural disaster in the relevant area, upon investigation report of Deputy Director Krishi, Dist. Rajnandgaon, the opposite party No.2 insurance company paid compensation @ Rs.21,686/- per hectare to the other farmers whose crop was insured but compensation was not paid to the complainant. Regarding which on 08.06.2020 the affected farmers made complaint before the Collector. Inquiry was conducted by the constituted Investigation Committee in which it revealed that premium was sent by the opposite party No.1 Bank to the opposite party No.2 insurance company but entry was not done in the portal by the opposite party No.1, hence the compensation was not paid to the complainant. Alleging which as deficiency in service complaint was filed seeking relief jointly and severally against both the opposite parties for payment of amount of crop insurance @ Rs.21,686/- per hectare along with compensation for mental and physical agony Rs.25,000/- with interest @ 18% p.a. and cost of litigation etc.
4. The opposite party No.1 Bank in its written version denied the allegations of any deficiency in service and averred that they work as per the instructions of the Central Government. According to which there is provision of compulsory crop insurance after deducting premium from Bank Account of the farmers who obtained KCC. Due to Aadhar Card mismatch and technical error the concerned portal of the Central All appeals partly allowed. Page 18 of 27 Appeal Nos. : FA/24/241 to B.M., Punjab National Bank Vs. Ghanaram Sahu & Ors. Date of Pronouncement:
261, FA/24/269 to 289 (With 41 other appeals) 30/10/2024 Government did not accept the information of the complainant, which was intimated to the Authorized Department, Agriculture Director of the Government but no effort was made to rectify the error. The insurance company kept the amount of premium for about 10 months without entry in the Portal and after payment of compensation to other farmers, premium of the complainant was returned to the opposite party No.1 Bank just to deny the liability under insurance cover. Therefore the insurance company is responsible for non-payment of amount of crop-
insurance and the opposite party No.1 has not committed any deficiency in service. It was prayed that the complainant is not entitled to get any relief from this opposite party hence the complaint be dismissed with cost.
5. The opposite party No.2 insurance company in their written version denied the allegation of deficiency in service and averred that as per the information received from the www.pmfby.gov.in the opposite party No.1 Bank did not entered the information for insurance of the complainant, hence insurance of crop of the complainant could not be done, therefore the complainant is not entitled to get any compensation from the insurance company. In fact he is not „consumer‟ of the opposite party No.2 insurance company. The role of agencies is defined in condition number 35 of the guideline of Pradhan Mantri Fasal Bima Yojana 2019 (Revised), according to which the bank is responsible to ensure that no farmer is deprived of any benefit due to any error/omission/mistake, otherwise in case of any error, the concerned agency itself will bear the entire loss. It was also averred that after payment of insurance amount for Kharif 2019 to the eligible farmers and tallying the information excess amount of premium was returned to the opposite party No.1 on 28.05.2020. Thus the opposite party No.2 insurance company is not at all liable for payment of any amount to the complainant. It was prayed that the complaint be dismissed with cost. All appeals partly allowed. Page 19 of 27 Appeal Nos. : FA/24/241 to B.M., Punjab National Bank Vs. Ghanaram Sahu & Ors. Date of Pronouncement:
261, FA/24/269 to 289 (With 41 other appeals) 30/10/2024
6. Learned District Commission in the impugned order observed that the opposite party No.1 Bank has submitted affidavit stating that due to technical error on account of Aadhar Card mismatch the information of the complaint was not accepted by the concerned Portal, whereas as far as the question of Aadhar Card is concerned on the basis of Aadhar Card itself the KCC account is opened by the Bank and in such a situation when the account itself was opened through Aadhar Card and premium was deducted from that account the argument of Aadhar Card mismatch is not believable. As per the guidelines issued by the Government and citations on the issue, entry of relevant information in the Portal is duty of the Bank and in case of any error in such entry or non-entry in the portal the Bank is liable for payment of compensation. Thus the opposite party No.2 insurance company was exonerated from any liability and the opposite party No.1 Bank was directed to pay compensation as per the table given in paragraph No.1 hereinabove.
7. Final arguments heard. Perused the record as well as the documents filed before us along with I.A. No.03/2024 and I.A. No.04/2024. We have also gone through the written arguments submitted by learned counsels for the parties.
8. Opposite Party No. 1 Bank reiterating its submissions made before the District Commission has argued that due to Aadhar mismatch in the PMFBY portal the opposite party No.2 insurance company rejected the proposal of insurance and returned the premium on 28.05.2020 after about one year from the date of deduction. Learned District Commission has based the impugned order upon notification dated 24.05.2017 of CG Government, whereas the premium was deducted on 30.07.2019 and at that time notification No.3700/F-02/13/PMFBY/2019/14-2 dated 08.07.2019 was already issued and effective. As per Condition No. 27 of the Notification of the year 2019 if the concerned bank fails to provide All appeals partly allowed. Page 20 of 27 Appeal Nos. : FA/24/241 to B.M., Punjab National Bank Vs. Ghanaram Sahu & Ors. Date of Pronouncement:
261, FA/24/269 to 289 (With 41 other appeals) 30/10/2024 information/documents for rectification of defects, it was obligatory for the insurance company to refund the premium within three weeks, failing which the liability to pay compensation shall lie with the insurance Company. In the instant case premium was deducted on 30.07.2019 and it was refunded on 28.05.2020 i.e. after about one year. The insurance company used the amount of premium during that period and refunded the same after payment of compensation to other farmers. It is prayed that this appeal be allowed and the liability of payment of compensation be shifted upon the opposite party No.2 insurance company.
9. Learned counsel for the complainant has also reiterating his contentions made in the complaint supported the impugned order in his arguments and has filed copy of order dated 14.06.2021 of CG Government along with investigation report in which the opposite party No.1 Bank has been ordered to pay compensation towards the insurance claim.
10. Learned counsel for the opposite party No.2 has also reiterated the averments made in the written version before the District Commission and has argued that regarding cases of non-entry of information in the PMFBY portal in the stipulated period Government of Chhattisgarh vide order dated 14.06.2021 directed the concerned Bank/ institution to pay the insurance claim. The Government of Chhattisgarh on the basis of minutes of the meeting dated 24.06.2024 of State Level Co-ordination Committee of Crop Insurance vide letter dated 03.07.2024 again directed the opposite party No.1 Bank to pay the insurance claim amount holding that they committed error in entry of information in the portal. It is also argued that for Kharif 2019 initially premium was to be paid till 31.07.2019 and last date for entry in the portal was 15.08.2019, thereafter the same was extended till 16.09.2019 but the portal remained opened till 18.09.2019. Thereafter, again the time was extended till 31.10.2019 but the portal All appeals partly allowed. Page 21 of 27 Appeal Nos. : FA/24/241 to B.M., Punjab National Bank Vs. Ghanaram Sahu & Ors. Date of Pronouncement:
261, FA/24/269 to 289 (With 41 other appeals) 30/10/2024 remained opened till 14.11.2019. All the concerned Banks/agencies were intimated from time to time about the above extensions but even then the opposite party No.1 failed to make entry in the portal regarding the complainant. He has relied upon order of Hon‟ble National Commission in Revision Petition No.790 of 2023, HDFC ERGO General Insurance Co. Ltd. Vs. Gangaram Ahirwar & Anr. and 16 connected cases, decided on 12.06.2024 & Revision Petition No.4589 of 2013 between Canara Bank Vs. Seth Prakash Chandra Jain & Anr. decided on 11.12.2013 and argued that in the event of mistake committed by the Bank, the Bank alone was hold liable for payment of compensation.
11. We have considered the above arguments advanced by learned counsel for the parties and have minutely gone through the record as well as the documents filed before us.
12. Considering the entire record and arguments advanced by all parties as well as their written arguments it is not in dispute in this case that premium was deducted by the opposite party No.1 from the account of the complainant on 30.07.2019 and was sent to the opposite party No.2 but due to error in entry of information in the PMFBY portal insurance proposal could not be accepted and premium was refunded by the opposite party No.2 insurance company to the opposite party No.1 Bank on 28.05.2020. It is an admitted position by the opposite party No.2 that due to technical error on account of Aadhar mismatch information of the complainant was not accepted by the PMFBY portal. Thus from the above facts it is also not in dispute that duty of entry of correct information of farmers for crop insurance in the portal was of the opposite party No.1 Bank.
13. The opposite party No.1 Bank has taken this defence and vehemently argued that Adhar mismatch caused technical error and accordingly the entered information was not accepted by the portal. All appeals partly allowed. Page 22 of 27 Appeal Nos. : FA/24/241 to B.M., Punjab National Bank Vs. Ghanaram Sahu & Ors. Date of Pronouncement:
261, FA/24/269 to 289 (With 41 other appeals) 30/10/2024 Learned District Commission in this regard was of the opinion that on the basis of Aadhar Card itself the KCC account is opened by the Bank and in such a situation when the account itself was opened through Aadhar Card and premium was deducted from that account the argument of Aadhar Card mismatch is not believable. We do not find any reason to deviate from this finding of learned District Commission. Of course the opposite party No.1 Bank was having aadhar card number of the complainant linked with his Bank Account and as per version of the Bank due to aadhar mismatch and technical error the PMFBY portal did not accept the information for crop information, whereas for Kharif 2019 initially premium for crop insurance was to be paid till 31.07.2019 and last date for entry in the portal was 15.08.2019. Thereafter the same was extended till 16.09.2019 but the portal remained opened till 18.09.2019. Thereafter, again the time was extended till 31.10.2019 and the portal remained opened till 14.11.2019 but even then the opposite party No.1 Bank failed to feed the correct details of the farmers in the portal, which definitely amounts to negligence and deficiency in service on the part of the opposite party No.1 Bank.
14. Learned counsel for the opposite party No.2 insurance company has argued before us and has mentioned in his written arguments in paragraph No.3, that for Kharif 2019 initially premium for crop insurance was to be paid till 31.07.2019 and last date for entry in the portal was 15.08.2019. Thereafter the same was extended till 16.09.2019 but the portal remained opened till 18.09.2019. Thereafter, again the time was extended till 31.10.2019 but the portal remained opened till 14.11.2019. In support of his arguments learned counsel for the opposite party No.2 has filed copy of letters dated 23.08.2019, 09.10.2019 and 08.11.2019 of the Government of India, Ministry of Agriculture & Farmers Welfare, sent to the CMD/MD/CEO, All Empanelled Insurance Companies under All appeals partly allowed. Page 23 of 27 Appeal Nos. : FA/24/241 to B.M., Punjab National Bank Vs. Ghanaram Sahu & Ors. Date of Pronouncement:
261, FA/24/269 to 289 (With 41 other appeals) 30/10/2024 PMFBY/RWBCIS and The CMDs/CEOs of all Public/Private Sector Banks. The subject of letter dated 08.11.2019 was "Closure of data entry on NCIP for Kharif-19 and auto approval of applications-reg".
Paragraph No.3 of the said letter is as under : -
"3. The insurance companies are directed to finalize and approved/reject the applications by 18th November 2019 after which the remaining applications shall be auto-approved. The Department may issue further instructions in the matter subsequent to the assessment of the status of the applications after 18th November, 19."
From the above directions of the Government of India, Ministry of Agriculture & Farmers Welfare to all the empanelled insurance companies and the Public/ Private Sector Banks it is unambiguously clear that in any case the insurance companies were directed to finalize and approve / reject the applications for crop insurance by 18.11.2019. So far as remaining applications are concerned it was directed that they shall be auto-approved after that date.
15. In the instant case the premium was deducted on 30.07.2019 thereafter due to certain reasons information could not be fed in the relevant portal within the stipulated period. The cut-off date for the entry of loanee farmers details by the Banks was extended reopening the portal and ultimately the above directions were issued to the insurance companies to finalize the applications up to 18.11.2019 otherwise the remaining applications shall be auto-approved. But the opposite party No.2 insurance company neither finalized the applications nor refunded the premium by that date 18th November 2019. In fact the premium was refunded on 28.05.2020 i.e. after more than six months from that date and that too when they started payment of compensation to other farmers of that area.
16. Learned counsel for the opposite party No.1 Bank has drawn our attention towards Condition No.27 of Notification No.3700/F- All appeals partly allowed. Page 24 of 27 Appeal Nos. : FA/24/241 to B.M., Punjab National Bank Vs. Ghanaram Sahu & Ors. Date of Pronouncement:
261, FA/24/269 to 289 (With 41 other appeals) 30/10/2024 02/13/PMFBY/2019/14-2 dated 08.07.2019 under which the Pradhan Mantri Fasal Bima Yojana for Kharif & Rabi crop of 2019-20 were implemented in all the 27 districts of Chhattisgarh. Condition No.27 of the said notification envisages that : -
^^------;fn foRrh; laLFkk }kjk fu;r le;&lhek esa tkudkjh @nLrkost miyC/k ugh djk;h tkrh gS] rks chek daiuh }kjk lacfa /kr izhfe;e jkf"k rhu lIrkg ds Hkhrj cSadksas dks vfuok;Z :i ls okil fd;k tkuk gksxk] vU;Fkk --'kdksa dks fu;ekuqlkj nkok izfriwfrZ dk lEiw.kZ nkf;Ro chek daiuh dh gksxhA** From bare reading of Condition No.27 of the relevant notification of 2019 which was applicable for Kharif and Rabi season of 2019-20 it clearly appears that in case of failure of the Bank / Financial Institution in providing information/ documents it was obligatory for the concerned insurance company to refund the premium within three weeks otherwise the liability of payment of claim compensation, as per rule, would be of the concerned insurance company. Thus, the opposite party No.2 insurance company was duty bound to refund the premium within three weeks at least from the final extended cut-off date of entry in the portal or maximum after three weeks from 18th November 2019 but the opposite party No.2 insurance company kept the premium till 28.05.2020.
But at this juncture the negligence and deficiency in service committed by the opposite party No.1 Bank in not entering the correct information of the farmers in the concerned portal even after time extensions till 14.11.2019 also cannot be brushed aside, hence in our considered view both the opposite parties are jointly and severally liable for payment of compensation under the crop insurance in question.
17. So far as the case laws relied by learned counsel for the opposite party No.2 / insurance company Gangaram Ahirwar (supra) and Seth Prakash Chandra Jain (supra) are concerned in both the above cases the facts involved were regarding furnishing inaccurate details by the Bank. In the facts of the present case however information could not be fed in All appeals partly allowed. Page 25 of 27 Appeal Nos. : FA/24/241 to B.M., Punjab National Bank Vs. Ghanaram Sahu & Ors. Date of Pronouncement:
261, FA/24/269 to 289 (With 41 other appeals) 30/10/2024 the portal due to aadhar mismatch and technical error but at the same time it is also true that the insurance company failed to return the premium within the stipulated time, which makes them liable for payment of entire compensation under the policy in question as per terms and conditions of the relevant notification as well as direction given by the Government of India, Ministry of Agriculture & Farmers Welfare vide letter No.F.No.13011/01/2018-Credid-II dated 08th November 2019, copy of which has been filed by learned counsel for the opposite party No.2 insurance company. Thus, the above citations relied by learned counsel for the opposite party No.2 insurance company are safely distinguishable from the facts of the present case.
18. Consequent to the above discussion looking to the facts and circumstances of the case we are of the view that learned District Commission has erred in passing the impugned order only on basis of guidelines of Pradhan Mantri Fasal Bima Yojana and fastening the entire liability of payment of compensation upon the opposite party No.1 Bank overlooking the Condition No.27 of the relevant Notification of 2019 and Government of India letter dated 08.11.2019, which were in fact applicable in the crop insurance in question accordingly the impugned order needs to be modified. Thus, these appeals have merits to be partly allowed.
19. In the impugned order inadvertently due to typographical error it appears that area of land and awarded amount of compensation with regard to Complaint Case No.CC/21/56 filed by Lalit Kumar Verma (in Appeal No.FA/24/287 before us) has been mentioned incorrect, hence the same is corrected as per record of that case which are as under : -
Sr. Appeal Complaint Name of the Area Amount of Compensation No. No. Case No. complainant of Compensation for mental loss Land towards Crop (Rs.) (Ha.) Insurance (Rs.) 1 FA/24/287 CC/21/56 Lalit Kumar Verma 2.4310 59,604/- 6,000/-All appeals partly allowed. Page 26 of 27
Appeal Nos. : FA/24/241 to B.M., Punjab National Bank Vs. Ghanaram Sahu & Ors. Date of Pronouncement:
261, FA/24/269 to 289 (With 41 other appeals) 30/10/2024
20. With the foregoing discussion, we partly allow all these appeals filed by the opposite party No.1 Bank and modify the impugned order to the extent that liability of payment of compensation to the complainant as per Paragraph No.13 of the impugned order (as mentioned in paragraph No.1 hereinabove) shall be of both the opposite parties jointly and severally. Accordingly both the opposite parties i.e. the Bank and the insurance company are jointly and severally directed to pay compensation to the complainant. However, the opposite party No.1 Bank is directed to send again the amount of premium of the complainant to the opposite party No.2 insurance company. If the amount of premium is already credited to the Bank Account of the complainant then the opposite party No.1 Bank will be at liberty to deduct the same from the Bank Account of the complainant. Parties are left to bear their own cost. Original of this order be kept in the record of Appeal No.FA/24/241 and a certified copy thereof be placed in the record of all the other appeals being decided by this common order.
(Justice Gautam Chourdiya) (Pramod Kumar Varma)
President Member
/10/2024 /10/2024
Pronounced on: 30th October 2024
All appeals partly allowed. Page 27 of 27