State Consumer Disputes Redressal Commission
National Insurance Co Ltd vs Shahaji Rangrao Desai on 12 January, 2023
1 A/456 to 521/2021
Date of filing :23.11.2018
Date of order :12.01.2023
MAHARASHTRA STATE CONSUMER DISPUTE
REDRESSAL COMMISSION,MUMBAI, BENCH AT
AURANGABAD.
1) FIRST APPEAL NO: 456 to 521 OF 2021
M/s National Insurance Company Ltd,.
Having its head and Regd. Office at
3 Meddleton Street, Kolkata 700 071
Div. Office- Nagina Ghat Rurudwara road,
Through Div. Manager,
APPELLANT
VERSUS
1) FIRST APPEAL NO: 456 OF 2021
IN COMPLAINT CASE NO.: 540 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Shankar S/o Madhavrao Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
2) FIRST APPEAL NO: 457 OF 2021
IN COMPLAINT CASE NO.: 541 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Dhondiba Keshav Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
3) FIRST APPEAL NO: 458 OF 2021
IN COMPLAINT CASE NO.: 542 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Deora Munjaji Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
2 A/456 to 521/2021
4) FIRST APPEAL NO: 459 OF 2021
IN COMPLAINT CASE NO.: 543 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Baburao Munjaji Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
5) FIRST APPEAL NO: 460 OF 2021
IN COMPLAINT CASE NO.: 544 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Ambadas Munjaji Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
6) FIRST APPEAL NO: 461 OF 2021
IN COMPLAINT CASE NO.: 545 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Vishwanath Nagorao Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
7) FIRST APPEAL NO: 462 OF 2021
IN COMPLAINT CASE NO.: 546 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Shahaji Rangrao Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
8) FIRST APPEAL NO: 463 OF 2021
IN COMPLAINT CASE NO.: 547 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Gajanan Balasaheb Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
3 A/456 to 521/2021
9) FIRST APPEAL NO: 464 OF 2021
IN COMPLAINT CASE NO.: 548 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Kushavati Harishchandra Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
10) FIRST APPEAL NO: 465 OF 2021
IN COMPLAINT CASE NO.: 549 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Balaji Bhimrao Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
11) FIRST APPEAL NO: 466 OF 2021
IN COMPLAINT CASE NO.: 550 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Sakhubai Balaji Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
12) FIRST APPEAL NO: 467 OF 2021
IN COMPLAINT CASE NO.: 551 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Harishchandra D. Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
13) FIRST APPEAL NO: 468 OF 2021
IN COMPLAINT CASE NO.: 552 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Kishan M. Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
4 A/456 to 521/2021
Dist.Parbhani. RESPONDENT No1&2.
14) FIRST APPEAL NO: 469 OF 2021
IN COMPLAINT CASE NO.: 553 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Suvarna S. Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
15) FIRST APPEAL NO: 470 OF 2021
IN COMPLAINT CASE NO.: 554 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Damodhar B. Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
16) FIRST APPEAL NO: 471 OF 2021
IN COMPLAINT CASE NO.: 555 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Ushabai Damodhar Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
17) FIRST APPEAL NO: 472 OF 2021
IN COMPLAINT CASE NO.: 556 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Ramprasad Damodhar Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
18) FIRST APPEAL NO: 473 OF 2021
IN COMPLAINT CASE NO.: 557 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Jijabai Shahaji Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
5 A/456 to 521/2021
Dist.Parbhani. RESPONDENT No1&2.
19) FIRST APPEAL NO: 474 OF 2021
IN COMPLAINT CASE NO.: 558 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Vijay Kishan Shinde,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
20) FIRST APPEAL NO: 475 OF 2021
IN COMPLAINT CASE NO.: 559 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Ganpat Munjajai Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
21) FIRST APPEAL NO: 476 OF 2021
IN COMPLAINT CASE NO.: 560 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Mokinda Sopan Khaire,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
22) FIRST APPEAL NO: 477 OF 2021
IN COMPLAINT CASE NO.: 561 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Ankush Ganpat Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
23) FIRST APPEAL NO: 478 OF 2021
IN COMPLAINT CASE NO.: 562 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Shankar Sambhaji Khaire,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
6 A/456 to 521/2021
24) FIRST APPEAL NO: 479 OF 2021
IN COMPLAINT CASE NO.: 563 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Subhash Annarao Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
25) FIRST APPEAL NO: 480 OF 2021
IN COMPLAINT CASE NO.: 564 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Santosh Narayan Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
26) FIRST APPEAL NO: 481 OF 2021
IN COMPLAINT CASE NO.: 565 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Ashok Sahebrao Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
27) FIRST APPEAL NO: 482 OF 2021
IN COMPLAINT CASE NO.: 566 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Ramesh Sopanrao Khalal Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
28) FIRST APPEAL NO: 483 OF 2021
IN COMPLAINT CASE NO.: 567 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Sumanbai Sudamrao Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
7 A/456 to 521/2021
29) FIRST APPEAL NO: 484 OF 2021
IN COMPLAINT CASE NO.: 568 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Alkabai Ramesh Khalal,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
30) FIRST APPEAL NO: 485 OF 2021
IN COMPLAINT CASE NO.: 569 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Swati Govind Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
31) FIRST APPEAL NO: 486 OF 2021
IN COMPLAINT CASE NO.: 570 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Dnyaneshwar Keshvrao Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
32) FIRST APPEAL NO: 487 OF 2021
IN COMPLAINT CASE NO.: 571 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Sopan Babarao Khaire,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
33) FIRST APPEAL NO: 488 OF 2021
IN COMPLAINT CASE NO.: 572 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Sopan Manikrao Khalal,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
34) FIRST APPEAL NO: 489 OF 2021
8 A/456 to 521/2021
IN COMPLAINT CASE NO.: 573 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Ramdas Namdeo Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
35) FIRST APPEAL NO: 490 OF 2021
IN COMPLAINT CASE NO.: 574 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Rahibai Raosaheb Biradar,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
36) FIRST APPEAL NO: 491 OF 2021
IN COMPLAINT CASE NO.: 575 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Shantabai Shankar Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
37) FIRST APPEAL NO: 492 OF 2021
IN COMPLAINT CASE NO.: 576 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Prabhakar Daultrao Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
38) FIRST APPEAL NO: 493 OF 2021
IN COMPLAINT CASE NO.: 577 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Gopalrao Bapurao Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
39) FIRST APPEAL NO: 494 OF 2021
IN COMPLAINT CASE NO.: 578 OF 2019
9 A/456 to 521/2021
DISTRICT CONSUMER FORUM : PARBHANI
1. Namdeo Gangaram Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
40) FIRST APPEAL NO: 495 OF 2021
IN COMPLAINT CASE NO.: 579 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Rangnath Balaji Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
41) FIRST APPEAL NO: 496 OF 2021
IN COMPLAINT CASE NO.: 580 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Laximi Balaji Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
42) FIRST APPEAL NO: 497 OF 2021
IN COMPLAINT CASE NO.: 581 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Gayabai Ramrao Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
43) FIRST APPEAL NO: 498 OF 2021
IN COMPLAINT CASE NO.: 582 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Balaji Ramrao Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
44) FIRST APPEAL NO: 499 OF 2021
IN COMPLAINT CASE NO.: 583 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
10 A/456 to 521/2021
1. Shahaji Balaji Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
45) FIRST APPEAL NO: 500 OF 2021
IN COMPLAINT CASE NO.: 584 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Vinod Balasaheb Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
46) FIRST APPEAL NO: 501 OF 2021
IN COMPLAINT CASE NO.: 585 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Saraswati Balasaheb Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
47) FIRST APPEAL NO: 502 OF 2021
IN COMPLAINT CASE NO.: 586 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Madhav Pandurang Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
48) FIRST APPEAL NO: 503 OF 2021
IN COMPLAINT CASE NO.: 587 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Vishwanath Gangadhar Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
49) FIRST APPEAL NO: 504 OF 2021
IN COMPLAINT CASE NO.: 588 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
11 A/456 to 521/2021
1. Chandu Bhagwan Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
50) FIRST APPEAL NO: 505 OF 2021
IN COMPLAINT CASE NO.: 589 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Jagannath Raoji Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
51) FIRST APPEAL NO: 506 OF 2021
IN COMPLAINT CASE NO.: 590 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Shivaji Pundlik Gundate,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
52) FIRST APPEAL NO: 507 OF 2021
IN COMPLAINT CASE NO.: 591 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Arun Laxman Gundale,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
53) FIRST APPEAL NO: 508 OF 2021
IN COMPLAINT CASE NO.: 592 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Nandabai Ramkishan Gundale,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
54) FIRST APPEAL NO: 509 OF 2021
IN COMPLAINT CASE NO.: 593 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Govind Balaji Desai,
12 A/456 to 521/2021
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
55) FIRST APPEAL NO: 510 OF 2021
IN COMPLAINT CASE NO.: 594 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Shahaji Bhagwan Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
56) FIRST APPEAL NO: 511 OF 2021
IN COMPLAINT CASE NO.: 595 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Suresh Eknath Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
57) FIRST APPEAL NO: 512 OF 2021
IN COMPLAINT CASE NO.: 596 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Ambadas Narayan Adkine,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
58) FIRST APPEAL NO: 513 OF 2021
IN COMPLAINT CASE NO.: 597 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Bhagwan Hanvatrao Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
59) FIRST APPEAL NO: 514 OF 2021
IN COMPLAINT CASE NO.: 598 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Hari Sheshrao Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
13 A/456 to 521/2021
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
60) FIRST APPEAL NO: 515 OF 2021
IN COMPLAINT CASE NO.: 599 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Manik Rangnath Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
61) FIRST APPEAL NO: 516 OF 2021
IN COMPLAINT CASE NO.: 600 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Aabaji Rangnath Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
62) FIRST APPEAL NO: 517 OF 2021
IN COMPLAINT CASE NO.: 601 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Balaji Bhujungrao Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
63) FIRST APPEAL NO: 518 OF 2021
IN COMPLAINT CASE NO.: 602 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Bhrirathibai Gulabrao Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
64) FIRST APPEAL NO: 519 OF 2021
IN COMPLAINT CASE NO.: 603 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Sachin Rajkumar Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
65) FIRST APPEAL NO: 520 OF 2021
IN COMPLAINT CASE NO.: 604 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
14 A/456 to 521/2021
1. Pralhad Piraji Dakhore,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
66) FIRST APPEAL NO: 521 OF 2021
IN COMPLAINT CASE NO.: 605 OF 2019
DISTRICT CONSUMER FORUM : PARBHANI
1. Ranjana Shridhar Desai,
r/o At post, Chudawa, Tq. Purna, Dist.Parbhani.
2. The Parbhani D.C.C.Bank Ltd,
Chudawa Branch, Tq.Purna,
Dist.Parbhani. RESPONDENT No1&2.
CORAM :Smt.S.T.Barne, Hon'ble Presiding Judicial
Member.
Mr.K.M.Lawande, Hon'ble Member.
Present : Adv.V.N.Upadhye for appellants.
Adv.P.D.Desai for respondent no.1.
Respondent no.2 in person.
JUDGMENT
(Delivered on 12/01/2023) Per Smt.S.T.Barne, Hon'ble Presiding Judicial Member.
1. These appeals are arising out of judgement and order in CC number 112 to 261 of 2019. It is the case of complainants in each complaint that they are resident of village Chudawa taluka Purna District Parbhani. They are having their respective land situated at chudawa. They have taken crops in Rabbi season of 2017-2018. They have insured their crops under Pradhan Mantri Fasal Bima Yojana. It is alleged that on 12th February, 2018, there was hailstorm due to which they have sustained 100% loss to their crop. They have intimated this incident to opponents immediately. During said period the Government has also declared subsidy and the complainants have received the amount of subsidy, declared by the State Government. In spite of 100% loss sustained during said 15 A/456 to 521/2021 season, the opponent insurance company has given a meagre amount. The opponents have not given them the actual protected amount that is Rs.24,000/- per hector towards crop of Bengal gram and Jowar each and Rs.22,000/- per hector towards the safflower, & Rs.30,000/- per hector towards crop of wheat. The opponents have denied their genuine claims and thereby committed deficiency in service. Hence, the complaints have filed their individual complaints against the opponents. The extract of respective claim of complaints with details is given below.
16 A/456 to 521/2021Name of C.C.No. Gut/Surve Area under particular crop in hector. Premium Insurance Claim for Claim for Compensation already Sr.No complainant. y No. Paid total. claimed in agony. cost of paid by Insurance . total Rs. litigation. company for crop (in Rs.) Sum Bengal Jowar Wheat Safflower. insured. Bengal Gram Jowar Gram 1 Shankar S/o 540/19 269 0.60 0.40 0.10 -- 393 23583 10000 5000 990 1627 Madhavrao Desai, 2 Dhondiba 541/19 269 0.40 0.20 -- -- 216 12926 10000 5000 660 814 Keshav Desai, 3 Deora 542/19 145 1.00 1.00 -- -- 720 42282 10000 5000 1650 4068 Munjaji Desai, 4 Baburao 543/19 145 0.80 0.80 -- -- 576 33826 10000 5000 1320 3254 Munjaji Desai, 5 Ambadas 544/19 145 0.40 0.40 -- -- 288 16913 10000 5000 660 1627 Munjaji Desai,, 6 Vishwanath 545/19 301 0.70 0.70 -- -- 504 29597 10000 5000 1155 2848 Nagorao Desai, 7 Shahaji 546/19 29 -- -- 0.50 -- 180 16500 10000 5000 -- --
Rangrao
Desai
8 Gajanan 547/19 113 1.00 0.50 -- -- 504 30320 10000 5000 1650 1627
Balasaheb (Actual entitled
Desai,
for Rs.2034/-)
17 A/456 to 521/2021
9 Kushavati 548/19 69 0.30 -- -- 108 6705 10000 5000 495 --
Harishchand
ra Desai,
10 Balaji 549/19 113 1.00 0.50 -- -- 540 32316 10000 5000 1650 2034
Bhimrao
Desai,
11 Sakhubai 550/19 120 0.50 -- -- 180 9966 10000 5000 -- 2034
Balaji Desai
12 Harishchand 551/19 313 0.30 0.40 -- -- 252 14678 10000 5000 495 1627
ra D. Desai,
13 Kishan M. 552/19 269 0.50 0.20 -- -- 252 15161 10000 5000 825 814
Desai,
14 Suvarna S. 553/19 237 1.00 -- -- 360 19932 10000 5000 4068
Desai,
15 Damodhar B. 554/19 262 1.00 0.80 -- -- 648 38296 10000 5000 1650 2154
Desai, (Actual entitled
for Rs.3254/-)
16 Ushabai 555/19 262 0.40 0.40 -- -- 288 16913 10000 5000 660 1627
Damodhar
Desai,
17 Ramprasad 556/19 262 0.40 -- -- 144 8940 10000 5000 660 --
Damodhar
Desai,
18 Jijabai 557/19 30 0.40 1.00 -- -- 540 31107 10000 5000 825 4028
Shahaji (Actual entitled
Desai
for Rs.4068/-)
19 Vijay Kishan 558/19 30 1.00 -- -- 360 22350 10000 5000 1650
Shinde
20 Ganpat 559/19 52 0.40 0.40 -- -- 288 16913 10000 5000 660 1627
Munjajai
Desai
18 A/456 to 521/2021
21 Mokinda 560/19 133 0.20 0.20 -- -- 144 8456 10000 5000 330 814
Sopan
Khaire,
22 Ankush 561/19 50 0.40 0.40 -- -- 288 16913 10000 5000 660 1627
Ganpat
Desai,
23 Shankar 562/19 133 0.40 040 -- -- 288 16913 10000 5000 660 1627
Sambhaji
Khaire
24 Subhash 563/19 237 1.00 -- -- 360 22350 10000 5000 1650 --
Annarao
Desai,
25 Santosh 564/19 261 1.00 0.80 -- -- 648 38296 10000 5000 1650 2154
Narayan (Actual entitled
Desai
for Rs.3254/-)
26 Ashok 565/19 303 0.30 -- -- 108 6705 10000 5000 495 --
Sahebrao
Desai,
27 Ramesh 566/19 34, 32 0.60 0.70 -- -- 468 27362 10000 5000 990 2848
Sopanrao
Khalal
Desai,
28 Sumanbai 567/19 199 0.40 0.40 -- -- 288 16913 10000 5000 660 1627
Sudamrao
Desai
29 Alkabai 568/19 06 0.40 0.40 -- -- 288 16913 10000 5000 660 1627
Ramesh
Khalal,
30 Swati Govind 569/19 199 0.50 0.50 -- -- 360 21141 10000 5000 825 2034
Desai,
31 Dnyaneshwa 570/19 86 0.40 0.20 -- -- 216 12926 10000 5000 660 814
r Keshvrao
Desai,
19 A/456 to 521/2021
32 Sopan 571/19 189 1.00 1.00 -- -- 720 42282 10000 5000 1650 4068
Babarao
Khaire
33 Sopan 572/19 32 0.60 -- -- 216 13410 10000 5000 990 --
Manikrao
Khalal,
34 Ramdas 573/19 243 0.40 0.40 -- -- 288 16913 10000 5000 660 1627
Namdeo
Desai,
35 Rahibai 574/19 260 1.20 -- -- 432 20820 10000 5000 1980 --
Raosaheb
Biradar,
36 Shantabai 575/19 334 0.80 -- -- 288 17880 10000 5000 1320 --
Shankar
Desai,
37 Prabhakar 576/19 268 0.72 0.40 -- -- 396 24065 10000 5000 1188 1627
Daultrao
Desai,
38 Gopalrao 577/19 204 1.00 0.40 -- -- 504 30323 10000 5000 1650 1627
Bapurao
Desai,
39 Namdeo 578/19 320 0.20 0.20 -- -- 144 8456 10000 5000 330 814
Gangaram
Desai
40 Rangnath 579/19 182 1.80 -- -- 648 35878 10000 5000 7322 --
Balaji Desai (Excess)
2969
41 Laximi Balaji 580/19 127 0.30 1.00 -- -- 468 26632 10000 5000 495 4068
Desai,
42 Gayabai 581/19 118 1.00 -- -- 360 19932 10000 5000 -- 4068
Ramrao
Desai,
20 A/456 to 521/2021
43 Balaji 582/19 231 2.00 1.90 -- -- 1404 82572 10000 5000 3300 7728
Ramrao
Desai,
44 Shahaji 583/19 270 0.60 -- -- 216 11959 10000 5000 --- 2441
Balaji Desai,
45 Vinod 584/19 270 0.60 -- -- 216 13410 10000 5000 990
Balasaheb
Desai
46 Saraswati 585/19 125 0.50 0.60 -- -- 396 23125 10000 5000 825 2441
Balasaheb
Desai,
47 Madhav 586/19 223, 126 2.40 0.80 -- -- 1152 29586 10000 5000 3960 3254
Pandurang
Desai,
48 Vishwanath 587/19 130 1.30 -- -- 468 25912 10000 5000 --- 5288
Gangadhar
Desai,
49 Chandu 588/19 141 0.30 -- -- 108 6705 10000 5000 495 --
Bhagwan
Desai,
50 Jagannath 589/19 95 0.60 0.60 -- -- 432 25369 10000 5000 990 2441
Raoji Desai
51 Shivaji 590/19 265/1 0.23 -- -- 83 4584 10000 5000 --- 936
Pundlik
Gundate,
52 Arun 591/19 231 0.62 -- -- 225 13857 10000 5000 1023 --
Laxman
Gundale,
53 Nandabai 592/19 275 1.00 0.60 -- -- 576 34300 10000 5000 1650 2441
Ramkishan
Gundale,
54 Govind 593/19 118 1.00 0.60 -- -- 576 34300 10000 5000 1650 2441
Balaji Desai,
21 A/456 to 521/2021
55 Shahaji 594/19 56 0.40 0.30 -- -- 525 15564 10000 5000 660 576
Bhagwan (Actual entitled
Desai for Rs.1220/-)
56 Suresh 595/19 74 0.40 0.40 -- -- 288 16913 10000 5000 660 1627
Eknath
Desai,
57 Ambadas 596/19 180 0.20 0.20 -- -- 144 8456 10000 5000 330 814
Narayan
Adkine
58 Bhagwan 597/19 328 0.40 0.20 -- -- 216 12926 10000 5000 660 814
Hanvatrao
Desai,
59 Hari 598/19 153 0.80 0.80 0.20 642 38226 10000 5000 1320 3254
Sheshrao
Desai,
60 Manik 599/19 149 0.60 0.40 -- -- 360 21383 10000 5000 990 1627
Rangnath
Desai,
61 Aabaji 600/19 149 0.50 -- -- 176 9966 10000 5000 -- 2034
Rangnath
Desai
62 Balaji 601/19 335 0.35 0.35 -- -- 252 14800 10000 5000 578 1424
Bhujungrao
Desai,
Bhrirathibai
63 602/19 239 0.40 0.40 -- -- 288 16913 10000 5000 660 1627
Gulabrao
Desai
22 A/456 to 521/2021
64 Sachin 603/19 147 `1.00 -- -- 360 19932 10000 5000 -- 4068
Rajkumar
Desai,
65 Pralhad 604/19 26 0.30 0.30 -- -- 216 12685 10000 5000 495 1230
Piraji
Dakhore,
66 Ranjana 605/19 239 0.40 0.40 -- -- 288 16913 10000 5000 660 1627
Shridhar
Desai
23 A/456 to 521/2021
2. The opponents gave appearance before District
Consumer Commission. The opponent no.1 bank has admitted that the complainants have insured their crop for the Rabbi season of 2017 2018. They have not submitted 7/12 extract regarding the crop sown by them. They have also not produced documents regarding the subsidy received by them. The amount of premium deposited by complainant was forwarded to opponent no.2 insurance company, from their account. The opponent bank has not committed any deficiency in service. Hence, the opponent no.1 has claimed for dismissal of complaint.
3. It is the contention of opponent no.2 insurance company that the complainants have not submitted documents regarding crop sown by them. They have denied that there was loss to the crop of complainants due to hailstorm which took place on 12th February, 2018. There is also no document produced by complainants to show that the Government has paid amount of subsidy to them. The opponent no.2 has to decide the amount of insurance on the basis of notified guidelines issued by the Government. Accordingly, the opponent no.2 insurance company, has assessed the compensation and paid said amount to respective complainants in respect of their protected crop, in proportionate to their sum insured as per the Government notification, shown under the scheme.
4. It is the contention of opponent no.2 that they have compensated the complainants for their respective insured crops by assessing the loss under the scheme as per the guideline given by Government on area approach basis, on the data made available by Government about threshold yield and 24 A/456 to 521/2021 Actual yield by adopting the formula given in the notification as follows:-
Threshold yield - Actual yield Compensation = ------------------------------------- X Sum insured (per hector) Threshold yield.
5. The actual insurance amount/ compensation is calculated in proportionate to the area sown / under crop. They have deposited the amount towards insurance claim in respective account of the complainant. They have not committed any deficiency in service. Hence the opponent no.2 has prayed for dismissal of complaint.
6. On giving opportunity of hearing to the parties the District Forum pleased to allow the complaints partly by giving 50 % of the insured amount towards the insured crop of Jowar and gram i.e. amount of Rs.12,000/- per hector for each crop. While 20% of insured amount awarded towards the crop of wheat and safflower, at the rate of Rs.6,000/- per hector for crop of wheat and Rs. 4,400/- towards safflower. In addition to that the District Forum has also given direction to opponent no.2 to pay Rs.2,000/- to each complainant towards mental agony and Rs.2,000/- each towards cost of proceeding.
7. Being aggrieved by the order of District Consumer Forum the opponent no.2 insurance company has preferred the present appeals on the following grounds.
That, the District Forum has ignored that the complainants have not given intimation regarding occurrence of calamity, with details of losses as mentioned in Government Notification, in respect of Prime Minister Crop Insurance Scheme to opponent no.2 insurance company to Bank or to the officials of Agriculture or Revenue Department. The District Forum ought to have considered that the opponent no.2 25 A/456 to 521/2021 insurance company, has allowed the claim as per the scheme. The District Forum ought to have considered the data provided by the Government Notification which shows that there was no loss reported as alleged by the complainants to claim the amount. The District Consumer Forum ignored the terms & conditions of the policy, to be followed strictly and no relief can be granted unless it is covered under the terms and conditions of the policy. Order passed by District Forum is erroneous and needs to be set aside.
8. In view of respective submissions of the parties following points arise for our determination. We have noted them along with our findings against them accordingly for the reasons to follow.
Sr.No. Points. Answers. 1. Whether the complainant proved No.
that there is deficiency in service on the part of opponents?
2. Whether there requires interference in Yes. the judgement and order of District Forum?
3. What relief and order? As per final order.
REASONING Point Nos. 1&2 -
9. The learned advocates for the parties have submitted their respective written notes of arguments and also heard at the stage of final hearing. The learned Adv. for opponent no.2 insurance company has argued that the present proceeding is in respect of the Pradhan Mantri Fasal Bima Yojana introduced by the Government for kharif season of 2016. From said season onwards, it is replaced by National Agriculture Insurance Scheme. The Government has issued notification for implementation of the scheme. It is to be operated on area approach basis, i.e. for defined areas for each notified crop, on 26 A/456 to 521/2021 wide spread calamities and for insurance unit, village unit or village panchayat or equivalent unit or for Major notified crops.
10. The said Scheme is introduced for the stages covering from pre-sowing/planting till post harvesting to cover the yield losses due to non preventable risk, such as drought, dry-spell flood, inundation, pest and disease, landslides, natural fire, lightning, storm, hailstorm and tornado. The State Government has to issue data on crop cutting experiment to insurance company as per cut off date, fixed the nature of coverage under wide spread calamity. The Actual yield is to be calculated on the basis of requisite number of crop cutting experiments for the insured crops in the insured season for the insurance unit if actual yield falls short of the specified threshold yield. The claim shall be calculated as per method and formula given under scheme.
Threshold yield - Actual yield Compensation = ------------------------------------ X sum insured Threshold yield.
11. It is further submitted by opponent no.2 that the risk at the stage of sowing and planting, covers the risk, in case of wide spread incidence of insured area is prevented from sowing or planting due to deficit rainfall or adverse seasonal conditions, affecting the crops in more than 75 % of area sown, in notified unit.
12. The insured farmers are protected by mid season adversities like floods, dry spell, severe drought etc where in expected yield during the season, is likely to be less than 50% of threshold yield. The details as to admissibility criteria loss assessment procedure, are given in the resolution for implementing the scheme.
27 A/456 to 521/202113. At the third stage of post harvesting coverage is available up to a maximum period of 2 weeks from harvesting for those crops, which are allowed to dry in cut and spread condition. The claim is payable on assessment of yield loss, on individual plot basis in case of occurrence of cyclone and unseasonal rainfall. The details of the calamities, admissibility criteria and loss assessment procedure, under post harvest cover are also mentioned in the resolution.
14. Localized risk under this provision claim is assessed at individual farm level for the insured crops damaged due to occurrence of the localized perils or calamities due to flood water entering the field, hailstorm and landslide are payable on individual loss assessment basis. In such notified losses the farmers have to give intimation within 48 hours to the Government with details of losses.
15. It is the contention of opponent no.2 that complainants have not submitted such oral or written intimation or details of losses under localized risk. In the given facts and circumstances of the case the complaint is improper and void ab initio. It is submitted that there involves intrinsic question of law and fact, which is requires perusal of voluminous documentary evidence for determination of instant dispute. It is not possible to decide such disputes summarily, by Consumer Forum. In such cases the claimants have to approach to civil court. There is no cause of action for present complaints. The complainants have not submitted under which provision of law, the calculations of compensation are made. The District Commission has granted relief to the complainants without any legal basis. There is no evidence adduced by the complainants to show, as to how the calculations made by opponent insurance company is wrong 28 A/456 to 521/2021 or not as per the scheme. It is further submitted that the contract of insurance is a personal contract and is binding on both the parties and enforceable by law.
16. With the aforesaid submissions and on perusal of record it clearly reveals that the complainants have come with the case that they are resident of Chudawa, taluka Purna, District Parbhani, having their respective land crop sown as shown in the chart. According to complainants they have insured their crop with opponent no.2 insurance company under Pradhan Mantri Fasal Bima Yojana, also known as National Crop Insurance Scheme. According to them there was hailstorm on 12th February, 2018, due to which they have sustained 100% loss to their Rabbi crops. However, the opponent no.2 insurance company has awarded meagre amount, and also stated that in some cases that they did not get any compensation from opponent no.2 insurance company towards the insured amount, under the scheme. They have mentioned in the respective claim that they also received subsidy amount from the Government in said calamity. Hence they have submitted respective complaint claiming entire amount protected under the scheme. The details of each complaint is given in the chart shown earlier. From which it reveals that they are claiming 100% of insured amount.
17. The opponents have not disputed that the complainants have insured the respective notified crop under National Crop Insurance Scheme by paying the premium as per the requirement for particular crop shown in the scheme .
18. In this regard parties have produced on record the copy of the notification dated 17th November, 2017, issued by Government for implementation of the scheme. At the cost of repetition, we would like to mention here that in the said 29 A/456 to 521/2021 scheme the objectives of scheme, the notified crop, implementing agencies, risk covered, method for calculation of risk covered since from sowing operation to post harvesting stages along with method of calculation, the formula of calculation of compensation is also given.
19. It is important to note that the complainants are claiming compensation which is occurred out of hailstorm, thereby causing 100% loss to their crop. Therefore, as per the requirement of notification it was necessary for the complainants and farmers to give intimation within 48 hours to insurance company and other stake holders. In this case no such intimation is on record. Secondly to assess the compensation there requires panchanamas on individual level, when the reason given for losses are covering under mid stage natural calamity such as hailstorm. There is no such document or notification issued by Collector is produced on record. The opponent no.2 by filing the affidavit of their officer has categorically stated that they are not received any intimation regarding occurrence or loss from any of the complainant/farmer or Government agencies in this regard. The complainant has produced on record some documents along with notes of argument consisting of notification dated 17 April 2017. The copy of panchanama dated 12/5/2018 drawn by Talathi Sajja Chudawa. The list of farmers to whom Govt. granted subsidy. List of farmers to whom the opponent no.2 insurance company has given part of the amount along with list of documents at page no. 74.
20. The opponent no.2 / the present appellant has also relied upon the notification dated 17th November, 2017, the guidelines given for implementation of National Crop Insurance Scheme and documents regarding data of threshold 30 A/456 to 521/2021 and actual yield regarding notified crop, for calculation of the compensation during the season.
21. Details of the data available regarding threshold yield out of crop cutting experience in respect of notified crop produced by opponent no.2 is as follows.
Crop Threshold yield (in Actual yield Sum insured
Kg/ha) in kg/ha In Rs.
Bengal 454 422.8 24,000
Gram
Jowar 380 315.6 24,000
Wheat 1076 1897.2 30,000
Safflower. 251 402.9 22,000
22. Each claim is assessed on the basis of the formula and the information provided on record as per said formula and the list of amount admittedly paid by opponent number 2, in view of said formula as per insured amount for notified crop is given below along with claim details submitted by claimant/ complainants.
23. We have perused the PMFBY (Prime Minister Fasal Bima Yojna) Scheme and the GR of Government of Maharashtra dated 17th November, 2017, concerned with the scheme. It reveals that the scheme is area based in general and localised in typical instances of disaster. The area based scheme is again divided into five parts, for effect on crop yield due to adversities (i) No sowing or planting due to adverse environmental conditions, (ii) Losses/damages to crops in midterm environmental adversities, (iii) deficit yield during the season out of drought and other circumstances and, (iv) post harvest losses in the field. (v) Losses/damages to crops in localized natural calamities.
31 A/456 to 521/202124. In the case in hand, complainants are claiming midterm adversities and its effect on crop. However, it reveals that the due intimation within 48 hours is not given to opponent by complainants. The panchanama is not drawn immediately nor assessment of the crop yield is assessed immediately while the crop was in the field for claim due to midterm adversities. It reveals there is no notification by competent officer i.e. Collector to assess the losses due to or out of midterm adversities. It reveals that the Panchanama dated 6.5.2018 is drawn by the Talathi Chudawa Sajja, for damage of the crops of complainants due to hailstorm on 12.02.2018. There is no document showing that, the complainant informed to the authorities within stipulated period of 48 hours for the loss / damage of crops due to alleged hailstorm on 12.02.2018. The said panchanama is not acceptable because it is neither drawn at particular site / field, nor at particular time of happening / occurrence of the alleged incident. In our opinion though complainants pressed for compensation due to midterm adversities. However, there is no notification by Collector and no panchanama at right time with due intimation to insurance company and authorities concerned which are pre requisites for grant of compensation for midterm losses in localized calamity.
25. Though complainants are not covered for midterm adversities for want of intimation to authorities, notification by the Collector and Panchnama/assessment of loss during mid season. However, the scheme is still open for the complainants to compensate them, if they have received deficit yield as against threshold yield (i.e. average expected yield). The scheme envisages that the Agriculture Department has to carry out crop cutting experiments to determine the actual yield of the crop in particular area / revenue circle. And 32 A/456 to 521/2021 threshold yield is determined by considering the normal yield, obtained in last 5 years. The sum insured to particular amount is provided for 70 % valuation of threshold yield of the crop (i.e. covering 70 % risk). The scheme is providing compensation as per following formula.
Threshold yield - Actual yield Compensation = --------------------------------------------- x Sum insured.
Threshold yield.
26. In the case in hand, there are crops as Bengal gram, Jowar, wheat and safflower.
27. It appears that the Agricultural Department has carried crop cutting experiments and made data available of crop cutting experiments.
28. Following is the data/information available for threshold yield, Actual yield and sum insured for the crops of Bengal Gram, Jowar, wheat and safflower.
Crop Threshold yield (in Actual yield Sum insured
Kg/ha) in kg/ha
Bengal 454 422.8 24,000
Gram
Jowar 380 315.6 24,000
Wheat 1076 1897.2 30,000
Safflower. 251 402.9 22,000
29. From the table above, by comparing actual yield against threshold yield, it can be inferred that there is loss for the crops of Bengal Gram & Jowar only and no loss for wheat and Jowar.
33 A/456 to 521/202130. The question arises what will be the compensation of Bengal Gram and Jowar crops. The compensation is therefore requires to be calculated by using the formula.
Threshold yield - Actual yield Compensation = ------------------------------------- x Sum insured.
Threshold yield.
Compensation for Bengal gram is calculated as below.
454(TY) - 422.8(AY) = -------------------------------- x24000 (sum insured) 454(TY) 31.2 1649.33 = -------------------------------- x 24000 454 = 1649.33 Similarly compensation for Jowar is calculated as below.
Threshold yield - Actual yield Compensation = ------------------------------------- x Sum insured.
Threshold yield.
380 - 315.6 = -------------------------------- x 24000 380 64.4 = -------------------------------- x 24000 380 = 4067.36
31. However, the District Consumer Forum awarded compensation 50 % sum insured for Bengal Gram and Jowar and 20% of sum insured for wheat and safflower which is erroneous. The parties cannot traverse beyond the terms and conditions of the contract i.e. policy. Therefore, the award of District Consumer Forum cannot be accepted for deciding compensation on arbitrarily findings. It appears that the District Consumer Forum observed that when some 34 A/456 to 521/2021 compensation is given to farmers by State Govt. as relief due to environmental adversities which cannot be a base for compensation under PMFBY scheme when it is not specifically provided in the scheme. As discussed earlier, on the basis of data made available by Commissionrate of Agriculture mentioned earlier the farmers/complainants are entitled for compensation of Rs. 1649.33 per hector for Bengal Gram and Rs. 4067.76 per hector for Jowar crop. There is no loss to crop of wheat and safflower. Therefore, the judgment and order of District Consumer Forum requires interference.
32. The complainants mainly relied upon the judgment of Hon'ble Bombay High Court in PIL 91/2021 & 7 Ors. - Prashant Achutrao Lomate & Ors. Vs. Union of India & Ors. decided on 6.5.2022 which is upheld by the Hon'ble Supreme Court in SPL to Appeal no. 10391/2022. Wherein the compensation was awarded to some farmers and was refused to some farmers. The Hon'ble High Court held that, no such discrimination is expected and directions are given to State to award compensation.
33. In the case in hand no such panchanama is drawn at site regarding crop loss, no notification of Collector. Only list of farmers to whom the Govt. has awarded interim relief in the nature of special relief which has no concern with the PMFBY scheme. Moreover, it is not brought before us that, the norms of TY & AY are then observed and loss against the TY is assessed, though it may be the case for granting relief due to hailstorm. Therefore, the circumstances of the case in hand are distinguishing in nature from the facts and circumstances in the judgment relied upon and therefore, the said judgment is of no help to complainants.
35 A/456 to 521/202134. In this case it reveals from letter dated 18.8.2018 produced by opponent no.2 insurance company that they received data from Commissionrate of Agriculture. Hence, from respective of date the opponent no.1 supposed to give insurance amount within 3 weeks as per GR which comes to 09.09.2018.
35. With the above discussion, we answer the point nos.1to3 accordingly and pass following order.
ORDER
1. Appeal Nos. 456/2021 to 521/2021 are hereby partly allowed.
2. The judgment and order of District Consumer Forum in C.C.No. 540/2019 to 605/2021 are quashed and set-aside.
3. The complaints are disposed of with following directions.
1. The complainants in C.C.No.540/2021 to 605/2021 are entitled for amount at the rate of Rs.1,649/- per hector for Bengal Gram and at the rate of Rs. 4,067/- per hector for Jowar, if any of the complainants not yet received amount with aforesaid rate, the opponent insurance company is liable to pay 9 % interest on unpaid amount from 09.09.2018 (the date accrued for disbursement of claim as per GR).
2. The claim of complainants in each claim for crops of safflower and wheat are hereby rejected as the actual yield of the crop is observed as excess than the threshold yield.
3. With aforesaid directions the consumer complaints are disposed off.
4. No order as to costs.
Mr.K.M.Lawande Smt.S.T.Barne, Member Presiding Judicial Member UNK