State Consumer Disputes Redressal Commission
Prakash Rao Dena Bank vs The Chairman & Managing Director Dena ... on 17 May, 2018
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miHkksDrk fookn Áfrrks"k.k vk;ksx] i.Mjh] jk;iqj
vihy Øekad% FA/2018/108
lafLFkr fnukad%12.02.2018
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fnukad% 17@05@2018
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//2//
vihykFkhZ us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e
1986 ds vUrxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] jk;iqj
¼N-x-½ ¼ftls vkxs laf{kIr esa *ftyk Qksje* lacksf/kr fd;k tk,xk½ ds
ifjokn izdj.k dzekad 397/2015 **izdk'k jko fo:) fn ps;jesu ,aM
eSusftax Mk;jsDVj] nsuk cSad o vU;** esa ikfjr vkns'k fnukad
16-01-2018] ftlds }kjk ifjoknh ds ifjokn dks fujLr fd;k x;k gS]
ls nqf[kr gksdj izLrqr fd;k x;k gSA
2- vihykFkhZ@ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr
esa bl izdkj jgk gS fd vihykFkhZ@ifjoknh]
[email protected] cSad dh lsok esa 03 tuojh 1976 dks
vk;k vkSj foHkkxh; tkap ds :i esa lsokfuo`fRr fnukad ls iwoZ fnukad
18-07-2009 dks vihykFkhZ@ifjoknh }kjk cSad dks igqWpk;s fdlh gkfu
;k {kfr fu/kkZj.k fd;s fcuk inP;qr fd;k x;kA mls foHkkxh; dk;Zokgh
ds uke ij mRihfM+r fd;k x;k ,oa fnukad 18-07-2009 dks mldh
lsok,a lekIr dj nh xbZ ftlesa mldks naM Hkh fn;k x;k] ijarq xkS.k
naM ds lkFk u fd lsok ls c[kkZLrxh flok; mlds vyxkok ds lkFk
fcuk nks"kh deZpkjh ds }kjk dkfjr okLrfod gkfu ;k {kfr dk fu'p;
fd;sA nssuk cSad deZpkjh Hkfo"; fuf/k fu;e dk fu;e&18 fuEukuqlkj
gS& ^^;fn ,d va'knkrk /kks[kk/kM+h ;k nqO;Zogkj ds dkj.k inP;qr fd;k
tkrk gS rks cSad va'knkrk ds O;fDrxr [kkrs esa cSad }kjk fd;s x;s
va'knku dks olwy djus dk vf/kdkjh gksxk lkFk gh ,sls va'knku ij
fn;s x;s C;kt Hkh ,sls lsok c[kkZLrxh dks fLFkj j[krs gq, dkfjr gkfu
;k {kfr ds ifjisz{; esa olwyh ;ksX; gksxkA e.My dks ikfj.kkfed gkfu
;k {kfr ds jkf'k dk fu/kkZj.k dk vf/kdkj gksxk ,oa bl gsrq mudh
?kks"k.kk vafre ,oa fu.kkZ;d gksxk ,oa ?kksf"kr jkf'k dks cSad dks vnk dh
tk;sxhA** vukosnd cSad] mldks lh-ih-,Q- ds deZpkfj;ksa gsrq ykHkkFkhZ
//3//
;kstuk dk lnL; gq, mldks ;ksxnk;h Hkfo"; fuf/k dk mlds
c[kkZLrxh@lsokfuo`fRr ls 30 fnol ds vanj Hkqxrku djus gsrq
mRrjnk;h FkkA mRrjoknh@vukosnd }kjk jkf'k :-7]41]706-
87@&¼lkr yk[k bdpkyhl gtkj lkr lkS N% :i;s lR;klh iSls½
,oa ml ij vkxs fnukad 18-07-2009 ls feyus okys C;kt dk Hkqxrku
ugha fd;k x;kA [email protected] cSad }kjk ligj.k i=
fnukad 22-01-2015 ds vuqlkj lnL; ds Lo;a ds ;ksxnku jkf'k :-
7]41]706-87@&¼lkr yk[k bdpkyhl gtkj lkr lkS N% :i;s
lR;klh iSls½ dk Hkqxrku fd;k tk pqdk gS] mldk deZpkjh Hkfo";
fuf/k ,oa fofo/k izko/kku vf/kfu;e 1952 ds foijhr mlds Lo;a ds
lsoknku esa ls ,d cM+h jkf'k dh dVkSrh dh xbZ ,oa mldk lsok
lekfIr@c[kkZLrxh ds eghus chr tkus ds ckn bldk dksbZ fooj.k
tek ugha fd;k x;kA lnL; ds Lo;a ds ;ksxnku esa ls dh xbZ dVkSrh
dk fooj.k tek fd;s fcuk jkf'k tek dh xbZA tcfd lnL; ds Lo;a
ds ;ksxnku ds lkFk cSad dk ;ksxnku fnukad 18-07-2009 ;k blds 30
fnol ds vanj vFkkZr~ 18-08-2009 rd mldks Hkqxrku fd;k tkuk FkkA
Hkfo"; fuf/k ij izpfyr vkjksfir C;kt nj 8-5 izfr'kr okf"kZd dh nj
ls C;kt dk Hkqxrku] Hkqxrku u gksus ds fnukad ls okLrfod Hkqxrku
gksus ds fnukad rd ugha fd;k x;kA [email protected] }kjk
lnL; ds ih-,Q- ;ksxnku dk dksbZ lek/kku cSad }kjk ugha Hkstk x;kA
tcfd deZpkfj;ksa ds Hkfo"; fuf/k ,oa fofo/k izko/kku vf/kfu;e 1952
ds izko/kku ds vuqlkj lnL; ds Lo;a ds ;ksxnku ij dksbZ dVkSrh ugha
dh tk ldhA bl izdkj fu;ksDrk cSad }kjk dh xbZ dVkSfr;ka
vf/kfu;e ds foijhr gSA [email protected] cSad dks va'knkrk
ds O;fDrxr [kkrs esa fn;s x;s va'k ij vk;dj esa dVkSrh dk ykHk
izkIr gksrk gSA [email protected] cSad lh-ih-,Q- dks izR;sd 6
ekg esa vihykFkhZ@ifjoknh ds Hkfo"; fuf/k [kkrs ds vkof/kd LVsVesaV esa
//4//
nf'kZr dj jgh gS ,oa vk;dj vf/kfu;e dk ykHk izkIr dj jgh gSA
vk;dj vf/kfu;e ds varxZr vuqeksfnr [email protected]
cSad dh va'knk;h Hkfo"; fuf/k ;kstuk deZpkjh Hkfo"; fuf/k ,oa fofo/k
izko/kku vf/kfu;e 1952 ds izko/kkuksa ds varxZr Hkh vuqeksfnr gSA
[email protected] cSad vihykFkhZ@ifjoknh ds lsokfuo`fRr
fnukad 18-07-2009 dks lh-ih-,Q- ds fu;ksDrk ds ;ksxnku dh vns;rk
ds dkj.k lsok esa deh ds ik= gSA deZpkjh Hkfo"; fuf/k ;kstuk dk
lnL; gksus ds ukrs vihykFkhZ@ifjoknh ,d miHkksDrk gS ,oa
[email protected] dk bl ;kstuk ds varxZr fd;k x;k
drZO; lsok ds varxZr vkrk gSA [email protected] }kjk
fof/kd lwpuk fnukad 08-06-2015 dk dksbZ tokc ugha fn;k x;k ,oa
vkt fnukad rd Hkqxrku ugha fd;k x;kA vr% vihykFkhZ@ifjoknh us
[email protected] dh bl lsok esa deh ds fy;s ifjokn i=
dh dafMdk &^^izkFkZuk** esa of.kZr vuqlkj vuqrks"k fnyk;s tkus dk
fuosnu fd;k gSA
3- vihykFkhZ@ifjoknh }kjk vius i{k leFkZu esa ftyk Qksje ds
le{k eseksjs.Me fnukad 18-07-2009 dh QksVksdkih¼Annexure-P-1½] ih-
,Q- :Yl vkWQ nsuk cSad ¼Annexure-P-2½] lsVyesaV vkWQ ih-,Q-Dyse
fnukad 22-01-2014 ¼Annexure-P-3½] fyxy uksfVl fnukad 08-06-2015
¼Annexure-P-4½] VSªd fjtYV fnukad 08-06-2015¼Annexure-P-5½] izwQ
vkWQ fMysojh Vw lh-,e-Mh- ¼Annexure-P-6½] iwqzQ vkWQ fMysojh Vw ih-
,Q@th-,Q- ¼Annexure-P-6A½] fMysojh Vw th-,e- jk;iqj ¼Annexure-
P-0½] ,dkmaV LVsVesaV ¼Annexure-P-7½] nLrkost izLrqr fd;k x;k gSA
4- [email protected] }kjk ftyk Qksje ds le{k
tokcnkok izLrqr dj vfHkopu fd;k x;k fd vihykFkhZ@ifjoknh
miHkksDrk dh Js.kh esa ugha vkrk gS] D;ksafd vihykFkhZ@ifjoknh
//5//
[email protected] cSad esa dk;Zjr~ deZpkjh@vf/kdkjh FkkA
vr% izdj.k Qksje ds le{k izpyu ;ksX; ugha gSA izdj.k esa of.kZr
;kstuk ¼nsuk cSad bEiykbZt izksfoMsaM Q.M :Yl½ gsrq vius osru ls
jkf'k tek djrk ,oa cSad }kjk Hkh cSad esa dk;Zjr~ deZpkjh@vf/kdkjh
dks ykHk iznku djus mruh gh jkf'k fu;e ,oa 'krksZa ds v/khu iznku
djrk tks fd deZpkjh ds fjVk;jesaV ds ckn ;kstuk ds fu;eksa ds rgr~
nh tkrh gS fdUrq vihykFkhZ@ifjoknh mDr gsrq ik= ugha FksA
vihykFkhZ@ifjoknh us yksd/ku dk nq:i;ksx djus] cSad dks vkfFkZd
{kfr dkfjr djus] /kks[kk] Ny&diV o vU; =qfViw.kZ dk;Z fd;s ftlds
dkj.k vihykFkhZ@ifjoknh ds fo:) cSad us vuq'kklukRed ,oa
naMkRed dk;Zokgh dh ,oa vihykFkhZ@ifjoknh dks lsok ls fudkyk
x;k tks fd nsuk cSad vkWfQllZ ,EiykbZt ¼fMlhIyhu ,aM vihy½
jsxqys'ku 1976 ds jsxqys'ku dzekad&7¼3½ ds rgr~ isukYVh Hkh yxkrs gq,
foHkkxh; dk;Zokgh dj mDr izdj.k esa fdlh Hkh ;kstuk dk ykHk izkIr
djus dk vihykFkhZ@ifjoknh vf/kdkjh ugha gksus ds dkj.k] mDr
izdj.k dk fookn miHkksDrk fookn ds varxZr ugha vkrk gSA
vihykFkhZ@ifjoknh] [email protected] cSad esa crkSj
deZpkjh@vf/kdkjh fu;qDr FkkA vihykFkhZ@ifjoknh fjVk;jesaV ugha
fy;k Fkk cfYd vihykFkhZ@ifjoknh }kjk vius dk;Zdky ds nkSjku
yksd/ku dk nq:i;ksx djus] cSad dks vkfFkZd {kfr dkfjr djus] /kks[kk]
Ny diV ,oa vU; =qfViw.kZ dk;Z djus rFkk dk;Z esa vfu;ferrk ds
dkj.k cSad us fnukad 18-07-2009 dks vuq'kklukRed ,oa naMkRed
dk;Zokgh djrs gq, vihykFkhZ@ifjoknh dks lsok ls fu"dkflr fd;k
x;k FkkA vr% [email protected] }kjk vihykFkhZ@ifjoknh
dk ifjokn fujLr fd;s tkus dk fuosnu fd;k x;k gSA
//6//
5- [email protected] dh vksj ls vius tokcnkok ds
leFkZu esa ftyk Qksje ds le{k Jh oh-lh-mik/;k;] tksuy eSustj dk
'kiFk i= fnukafdr 30-01-2016 izLrqr fd;k x;k gSA
6- ftyk Qksje us mHk;i{kksa dh vksj ls izLrqr nLrkosth lk{;ksa ,oa
'kiFki=ksa ds ifj'khyu ds i'pkr~ vihykFkhZ@ifjoknh dk ifjokn ;g
fu"d"kZ fudkyrs gq, fd izLrqr ifjokn miHkksDrk fookn ifjyf{kr ugha
gksus ls mijksDr izLrqr lhih,Q esa Hkqxrku dk fookn gksus ls miHkksDrk
laj{k.k vf/kfu;e ds rgr~ pyus ;ksX; ifjyf{kr ugha gksrk gS] fujLr
fd;k x;k gS] ftlds ftlds fo:) ;g vihy gSA
7- vihykFkhZ@ifjoknh dh vksj ls milatkr gksus okys fo}ku
vf/koDrk Jh jkts'k ik.Ms; }kjk rdZ izLrqr dj ;g vk/kkj fy;k gS
fd ftyk Qksje }kjk izdj.k esa izLrqr nLrkostksa ,oa U;k;ky;hu dFku
ds iw.kZr% foijhr fu"d"kZ fudkyrs gq, vk{ksfir vkns'k ikfjr fd;k gS
tks fd fof/k fo:) gSA ftyk Qksje }kjk [email protected]
}kjk vihykFkhZ@ifjoknh ds dFku ,oa nLrkostksa ds [kaMu esa dksbZ Hkh
lQkbZ lk{; vFkok nLrkost izLrqr ugha fd, tkus ds ckotwn
vihykFkhZ@ifjoknh ds i{k ij vfo'okl dj fof/k dh Hkwy dh gSA
ftyk Qksje }kjk bl rF; dks iw.kZr% vuns[kk dj fn;k gS fd
[email protected] us ftyk Qksje ds le{k ,slk dksbZ izek.k
izLrqr ugha fd;k gS ftlds vk/kkj ij mls ykHk fn;k tk ldsA ftyk
Qksje }kjk ifjokn ds dFkuksa dks cxSj fdlh Bksl o fu'pk;d izek.k
vFkok nLrkost ;k lk{; ds vizekf.kr ekurs gq, vk{ksfir vkns'k
ikfjr fd;k x;k gSA ftyk Qksje }kjk fofHkUu 'kh"kZ U;k;ky;ksa lfgr
ekuuh; jkT; vk;ksx }kjk ikfjr U;k;n`"Vkarksa }kjk bl fu"df"kZr rF;
dks iw.kZr% vuns[kk dj fn;k gS fd izksohMsaV QaM lCLdzkbZcj fu;ksDrk
}kjk iznku dh xbZ lsok dk miHkksDrk gksrk gS vkSj bl ckcr~ mHk;i{k
//7//
ds e/; mRiUu fookn miHkksDrk fookn gksrk gSA tcfd ftyk Qksje us
bl fu"d"kZ ds vk/kkj ij vihykFkhZ@ifjoknh dk ifjokn fujLr fd;k
x;k gS fd izLrqr fookn miHkksDrk fookn ifjyf{kr ugha gksus ls lh-ih-
,Q- esa Hkqxrku dk fookn gksus ls ifjokn izpyu ;ksX; ugha gSA ftyk
Qksje }kjk fudkyk x;k fu"d"kZ iw.kZr% rF;ksa nLrkostksa ds foijhr gSA
vf/koDrk }kjk mijksDr vk/kkj ij vihykFkhZ@ifjoknh dh vihy dks
Lohdkj fd;s tkus ,oa ftyk Qksje }kjk ikfjr vkns'k dks vikLr fd;s
tkus dk fuosnu fd;k gSA
8- vihykFkhZ@ifjoknh ds fo}ku vf/koDrk }kjk fuEu U;k;n`"Vkarks
dk voyacu fy;k gS%&
1.Regional Provident Fund Commissioner Vs. Shiv Kumar Joshi, Appeal No. 411 of 1997(SC), Decided on 14-12-1999.
2. Devendra Shadangi Vs. The Chairman and Managing Director, & ors. Appeal No. FA/2016/02(C.G. State Commission), Decided on 11-05-2016.
9- [email protected] dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh xkSre lwj dk rdZ gS fd vihykFkhZ@ifjoknh miHkksDrk dh Js.kh esa ugha vkrk gS] D;ksafd vihykFkhZ@ifjoknh [email protected] cSad esa dk;Zjr~ deZpkjh@vf/kdkjh FkkA izdj.k esa of.kZr ;kstuk ¼nsuk cSad bEiykbZt izksfoMsaM Q.M :Yl½ gsrq vius osru ls jkf'k tek djrk ,oa cSad }kjk Hkh cSad esa dk;Zjr~ deZpkjh@vf/kdkjh dks ykHk iznku djus mruh gh jkf'k fu;e ,oa 'krksZa ds v/khu iznku djrk tks fd deZpkjh ds fjVk;jesaV ds ckn ;kstuk ds fu;eksa ds rgr~ nh tkrh gS fdUrq vihykFkhZ@ifjoknh mDr gsrq ik= ugha FksA vihykFkhZ@ifjoknh us yksd/ku dk nq:i;ksx djus] cSad dks vkfFkZd {kfr dkfjr djus] /kks[kk] Ny&diV o vU; =qfViw.kZ dk;Z fd;s ftlds dkj.k vihykFkhZ@ifjoknh ds fo:) cSad us vuq'kklukRed ,oa //8// naMkRed dk;Zokgh dh ,oa vihykFkhZ@ifjoknh dks lsok ls fudkyk x;k tks fd nsuk cSad vkWfQllZ ,EiykbZt ¼fMlhIyhu ,aM vihy½ jsxqys'ku 1976 ds jsxqys'ku dzekad&7¼3½ ds rgr~ isukYVh Hkh yxkrs gq, foHkkxh; dk;Zokgh dj mDr izdj.k esa fdlh Hkh ;kstuk dk ykHk izkIr djus dk vihykFkhZ@ifjoknh vf/kdkjh ugha gksus ds dkj.k] mDr izdj.k dk fookn miHkksDrk fookn ds varxZr ugha vkrk gSA vf/koDrk us mijksDr vk/kkj ij ftyk Qksje }kjk ikfjr vkns'k dks U;k;ksfpr vkns'k fu:fir djrs gq, mls ;Fkkor cuk, j[kus dk fuosnu fd;k gS ,oa vihykFkhZ@ifjoknh dh vihy fujLr fd;s tkus dk fuosnu fd;k x;k gSA 10- [email protected] ds fo}ku vf/koDrk }kjk fuEu U;k;n`"Vkarks dk voyacu fy;k gS%&
1. Dr. Jagmittar Sain Bhagat Vs. Dir. Health Services, Haryana & ors. Appeal No. 5476 of 2013(SC).
2. Deputy General Manager, Dena Bank & anr. Vs. Inderjit Singh Suri R/P No. 3064 of 2015 (NC), Decided On 14-01-2016.
11- geus mHk;i{k ds vf/koDrkvksa dk rdZ Jo.k fd;k rFkk ftyk Qksje ds vfHkys[k ,oa vkyksP; vkns'k dk Hkh ifj'khyu fd;kA 12- izLrqr izdj.k ds lexz ifj'khyu ds i'pkr~ ;g iz'u mn~Hkwr gksrk gS fd D;k vihykFkhZ@ifjoknh miHkksDrk laj{k.k vf/kfu;e 1986 ds varxZr ^^miHkksDrk** dh Js.kh esa vkrk gS\ D;k izLrqr fookn ^^miHkksDrk fookn gS\** D;k vihykFkhZ@ifjoknh dk ifjokn le; ckf/kr gS\ D;k vihykFkhZ@ifjoknh okafNr vuqrks"k izkIr djus dk vf/kdkjh gS\ fujkdj.k fuEukuqlkj fd;k tk jgk gSA //9// 13- [email protected] us izkjafHkd vkifRr djrs gq, vfHkdFku fd;k gS fd vihykFkhZ@ifjoknh ,oa mRrjoknh@vukosnd ds e/; deZpkjh ,oa fu;ksDrk dk laca/k gSA bls miHkksDrk ,oa O;olk;h ds rjg fu:fir ugha fd;k tk ldrk gSA deZpkjh ,oa fu;ksDrk dk fookn miHkksDrk fookn dh Js.kh esa ugha vkrk gS f'kdk;rdrkZ dksbZ Hkh fookn ugha mBk ldrk gS tks fd lsok 'krksZ ls lacaf/kr gS vFkok fu;ksDrk ds va'knku Hkfo"; fuf/k ds C;kt lfgr okilh ls lacaf/kr gksA bl laca/k esa vihykFkhZ@ifjoknh dk dFku gS fd og bEikykbZt izksfoMsaV QaM Ldhe dk lnL; gS rFkk bl laca/k esa [email protected] }kjk fd;k tkus okyk drZO; ;kstuk ds varxZr ^^lsok** ds varxZr vkrk gSA bl laca/k esa U;k; n`"Vkar Regional Provident Fund Commissioner Vs. Shiv Kumar Joshi and Appeal no. 411 of 1997 fu.kZ; fnukad 14-12-1999 dh dafMdk&12 ;gkW m)r fd;k tk jgk gS%& ^^12-A perusal of the scheme clearly and unambiguously indicate that it is a "service" within the meaning of Section 2(1) (o) and the member a "consumer" within the meaning of Section 2(1)(d) of the Act. It is, therefore, without any substance to urge that the services under the scheme are rendered free of charge and, therefore, the scheme is not a "service" under the Act. Both the State as well as National Commission have dealt with this aspect in detail and rightly came to the conclusion that the Act was applicable in the case of the scheme on the ground that its member was a "consumer" under Section 2(1)(d) and the scheme was a "service" under Section 2(1)(O)."
14- Bank of Baroda Vs. Sankari Devi 2012 (3) CPR 123 (NC), U;k;n`"Vkar esa ekuuh; jk"Vªh; vk;ksx us vihykFkhZ@ifjoknh dks ^^miHkksDrk** fu/kkZfjr fd;k gSA //10//
15. Revision Petition No.2689 of 2015 - Dena Bank, Regional Office, New Delhi - 110 001 Through its Assistant General Manager Vs. Sh. Ravinder Malik, order dated 01.12.2015, U;k;n`"Vkar esa ekuuh; jk"Vªh; vk;ksx us fu/kkZfjr fd;k gS%& "3. ............. This authority is not applicable to this case. Moreover, there is no proof when the formalities were completed. To our mind, there are no formalities, as such, to be completed for getting PPF. Consequently, another authority cited by the petitioner - Bank titled Bank of Baroda Vs. Sankari Devi, 2012 (3) CPR 123 (NC) shall not be applicable. The Departments are required to send the PPF immediately or at least within one month. The revision petition is without merit and, therefore, the same is hereby dismissed."
16. Punjab National Bank Vs. Shri Sunil Kumar Poddar and Anr. 2008(3) CPR 211 (NC), U;k;n`"Vkar esa ekuuh; jk"Vªh; vk;ksx us fu/kkZfjr fd;k gS%&"A Provident Fund subscriber is a consumer of the service provident by the employer."
mijksDr U;k; n`"Vkar ds vkyksd esa ge ;g fu/kkZfjr djrs gSa fd vihykFkhZ@ifjoknh miHkksDrk laj{k.k vf/kfu;e 1986 ds varxZr ^^miHkksDrk** gS rFkk [email protected] ^^lsok iznkrk** dh Js.kh esa vkrs gSa rFkk izLrqr fookn miHkksDrk fookn dh Js.kh esa vkrk gSA rnkuqlkj izLrqr ifjokn **vf/kfu;e** ds varxZr izpyu'khu gS bl laca/k esa ftyk Qksje us tks fu"d"kZ fudkyk gS og =qfViw.kZ gS ,oa ftyk Qksje dk vkns'k fLFkj j[ks tkus ;ksX; ugha gSA //11// 17- [email protected] cSad us vius dFku ds leFkZu esa U;k;n`"Vkar Dr. Jgmittar Sain Bhagat Vs. Dir. Health Services, Haryana & Ors.(2013),10 SCC 136 dk vkJ; fy;k gS] ijarq ;g U;k;n`"Vkar dsoy 'kkldh; lsodksa ij ykxw gksrk gS ftls ekuuh; jk"Vªh; vk;ksx us U;k;n`"Vkar nsuk cSad fo0 jfoUnz efyd fjfotu ihfV'ku ua- 26891 of 2015 vkns'k fnukad 01-12-2015 esa Hkh mYys[k fd;k gSA izLrqr ifjokn 'kkldh; lsodksa ls lacaf/kr ugha gS vr% mijksDr U;k;n`"Vkar dk ykHk [email protected] cSad dks izkIr ugha gksrk gSA 18- [email protected] cSad us nwljk eq[; vkifRr ;g fd;k gS fd izLrqr izdj.k le;ckf/kr gksus ls izpyu'khy ugha gS D;ksafd okn dkj.k vihykFkhZ@ifjoknh dks cSad lsok ls c[kkZLr djus dh rkjh[k 18-07-2009 dks mRiUu gqvk gS rFkk vihykFkhZ@ifjoknh }kjk okn fnukad 27-05-2015 dks izLrqr fd;k x;k gS tks fd okn dkj.k mRiUu gksus ds nks o"kZ ds ckn dh frfFk gSA bl laca/k esa geus izdj.k esa izLrqr nLrkostksa dk voyksdu fd;k mHk;i{k dk bl laca/k esa fd;s x;s dFku dk ifj'khyu fd;kA vihykFkhZ@ifjoknh us vius ifjokn i= ds dafMdk&9 esa dFku fd;k gS fd mls Hkfo"; fuf/k ds Lo;a ds va'knku dk Hkqxrku fd;k x;k ,oa i= fnukad 22-01-2014 ds }kjk cSad ds va'knku dk Hkqxrku u gksus ds rF; dks izdV fd;k x;kA bl rjg okafNr cSad va'knku u izkIr gksus dh frfFk fnukad 22-01-2014 ls okn dkj.k mRiUu gksuk ik;k tkrk gS rFkk izLrqr izdj.k ftyk Qksje ds le{k fnukad 27-07-2015 dks lafLFkr fd;k x;k gS bl rjg vihykFkhZ@ifjoknh us okn dkj.k mRiUu gksus ds nks o"kZ ds Hkhrj okn lafLFkr dj fn;k gSA bl fLFkfr esa //12// [email protected] cSad dh vkifRr dh izLrqr ifjokn le; ckf/kr gS vLohdkj fd;k tkrk gSA 19- izLrqr izdj.k esa vc gesa ;g fopkj.k djuk gS fd D;k vihykFkhZ@ifjoknh vius Hkfo"; fuf/k ls lacaf/kr cSad va'knku izkIr djus dk vf/kdkjh gS\ [email protected] }kjk vihykFkhZ@ifjoknh dks Kkiu dzekad RR/PER/DCT/02/2009 fnukafdr 18-07-2009 dks fuEukuqlkj vkjksfir dj n.M fn;k x;k gS%& " Dismissal wothout notice from, the services of the Bank with immediate effect"
rFkk mDr n.M esa fdlh {kfr ;k gkfu dks n'kkZ;k ugha x;k gSA vihykFkhZ@ifjoknh dk dFku gS fd mlus Hkfo"; fuf/k ds cSad va'knku Hkh izkfIr ds fy, iz;kl fd;k] ijarq mls Hkqxrku izkIr ugha gqvk gSA vihykFkhZ@ifjoknh dks [email protected] cSad }kjk loZizFke i=kad DB/HO/PF/DISMISSED/202/2014 fnukafdr 22/01/2014 }kjk foRrh; gkfu :-86-13 yk[k rFkk cSad ds va'knku u nsus dh tkudkjh izkIr gqbZA bl laca/k esa ge ;gkW nsuk cSad deZpkjh Hkfo"; fuf/k fu;e ds dafMdk 16 ;gkW m)r dj jgs gSa%& ^^16- Forfeiture/recovery of Bank's Contribution in case of fraud/in subordination or other misconduct.
The contributions made by the Bank to the individual account of any member and the interest credited in respect of such contributions shall not be forfeited except in the cases where a member is dismissed of discharged, of terminated from the service of the Bank or retires from Bank for insubordination, misconduct, fraud of any other cause of a like nature causing financial loss to the Bank and in such cases forfeiture shall be limited only to the extent of financial loss caused to the Bank.
The Board of Directors shall be entitled to declare the amount of financial loss or damages so resulting and its declaration in that behalf shall be final and conclusive and the amount so declared shall stand forfeited and shall be paid to the Bank. Provided that in such cases, the recoveries made by the Bank shall be limited to the contributions made by Bank to the individial account of the employee and to interest credited in respect of such //13// contribution in accordance with the Rules of the Fund and the accumulations thereof."
mijksDrkuqlkj cSad] cSad }kjk fn, x;s va'knku ,oa ml ij C;kt dks gh {kfr ds vk/kkj ij olwy dj ldsxhA cSad dk funsZ'kd e.My vkfFkZd {kfr dh ?kks"k.kk gsrw l{ke gksxk bl ckjs esa funs'kd e.My dh ?kks"k.kk vafre ,oa fu.kkZ;d gksxhA cSad us Hkfo"; fuf/k ds cSad va'knku dh tIrh ds laca/k esa tks i= fnukad 22-01-2014 izsf"kr fd;k gS mlesa foRrh; {kfr ds laca/k esa fof'k"V :i ls foLr`r fooj.k izLrqr ugha fd;k x;k gSA vihykFkhZ@ifjoknh ls bl laca/k esa Li"Vhdj.k@lquokbZ ugha dh xbZ gS] fdruh jkf'k tIr dh xbZ bR;kfn ds laca/k esa dksbZ tkudkjh ugha nh xbZ gSA [email protected] cSad us foRrh; {kfr dks lkekU;r% mYys[k fd;k rFkk tIrh i= izsf"kr fd;k gS tks fd U;k;ksfpr izrhr ugha gksrk gSA [email protected] cSad }kjk nf'kZr foRrh; {kfr ds laca/k esa vihykFkhZ@ifjoknh ,oa [email protected] cSad ds e/; okn izdj.k No. RP-48(54)2014-ALC vkns'k fnukad 23/11/2015 tks fd minku vf/kfu;e ds varxZr fu;a=d izkf/kdkjh ds le{k ,oa lgk;d Je vk;qDr¼dsUnzh;½ jk;iqj esa fuf.kZr gqvk gS ds lqlaxr Hkkx ;gk
m)r dj jgs gSa%& ^^19-The decisions of the various Hon'ble High Courts discussed in para-16 lay down that before taking any action under section- 4(6)(1)(a) of PG Act, 1972 the actual loss and damage caused by the act of the employee must be assessed and quantified. Mere self assessment of loss or assessment of likely loss by the bank is not at all sufficient for effecting forfeiture of gratuity. In the instant case, the Non-Applicant has not ascertained the actual loss caused by the action of the Applicant by instituting a specifice enquiry on this count. In this context the deposition of management witness is important. The management witness, Shri Jogesh Chandra, I.O. admitted during cross examination on 27- 07-2015 that he has not ascertained and quantified loss or any amount of loss caused by the Applicant during enquiry. Further, the non-applicant bank did not obtain any decree or award passed by any court of law determining the loss suffered by the Bank on account of the acts of misconduct committed by the Applicant.
//14// Mere self-assessment of loss as held by Hon'ble Gujrat High Court in Baroda Traders(Supra) case is not sufficient for depriving the employee of his gratuity amount unless the loss is determined by the competent court/authority." mijksDr of.kZr vkns'k esa [email protected] cSad ds tIrh i= fnukad 22-01-2014 dks ns'k ds fofHkUu mPp U;k;ky;ksa }kjk ikfjr vkns'k ds vk/kkj ij U;k;ksfpr tIrh i= u ekurs gq, vknsf'kr fd;k x;k gSA mDr vkns'k esa fn, x;s fu"d"kZ tks fd vfHkdfFkr tIrh i= ds laca/k esa gS ij vfo'okl fd;s tkus dk dksbZ vk/kkj ugha gSA izLrqr izdj.k Hkh vfHkdfFkr tIr i= esa of.kZr foRrh; gkfu ds laca/k esa gSA [email protected] us mDr fu"d"kZ ds =qfViw.kZ gksus ds laca/k esa dksbZ Hkh lk{; izLrqr ugha fd;k gS ftlls ml fu"d"kZ dks =qfViw.kZ izekf.kr fd;k tk ldsA ,slh fLFkrh esa ge ;g fu/kkZfjr djrs gSa fd mijksDr of.kZr ifjfLFkfr esa [email protected] cSad }kjk izLrqr tIr i= fnukad 22-01-2014 fof/k dh n`f"V ls ekU; fd;s tkus ;ksX; ugha gS bl fLFkfr esa ge ;g fu"d"kZ fudkyrs gSa fd [email protected] }kjk vihykFkhZ@ifjoknh dks fn, x;s eseksjs.Me ds laca/k esa rFkk tIr i= fnukad 22-01-2014 ds laca/k esa foRrh; gkfu dh ek=k dks izekf.kr djus esa [email protected] cSad vleFkZ jgk gSA mijksDr fLFkfr esa vihykFkhZ@ifjoknh nsuk cSad deZpkjh Hkfo"; fuf/k fu;e&16 ds rkjrE; esa Hkh Hkfo"; fuf/k cSad va'knku dks v|ru C;kt lfgr izkIr djus dk vf/kdkjh gSA rnkuqlkj ;g vknsf'kr fd;k tkuk U;k;ksfpr gksxk fd [email protected] vihykFkhZ@ifjoknh dks tIr i= fnukad 22-01-2014 esa nf'kZr Hkfo"; fuf/k cSad va'knku :- 7]41]706- 87¼lkr yk[k bdpkyhl gtkj lkr lkS N% :i;s fN;klh iSls½ dk Hkqxrku fnukad 18-07-2009 ls Hkqxrku frfFk rd 9 izfr'kr okf"kZdh lk/kkj.k C;kt ds lkFk vnk djsaxsA ;g loZekU; gS fd Hkfo"; fuf/k /kekZnk fuf/k ugha gS cfYd ;g deZpkjh }kjk fn, x;s lsok ds laca/k esa //15// ns; fuf/k gSA ftldk izLrqr izdj.k esa [email protected] cSad }kjk fu;r le; esa Hkqxrku ugha fd;k gS bl fLFkfr esa fuf'pr gh vihykFkhZ@ifjoknh dks ekufld osnuk igqaph gksxhA bl en gsrq vihykFkhZ@ifjoknh us tks jkf'k dh ekax dh gS og vR;f/kd gS ftls izdj.k dh ifjfLFkfr ds vuqlkj rc dh] tcfd vihykFkhZ@ifjoknh dks mDr jkf'k v|ru C;kt lfgr fnyk;k tk jgk gS] ekufld {kfr gsrq :-20]000@&¼chl gtkj :i;s½ fnyk;k tkuk U;k;ksfpr gksxkA vihykFkhZ@ifjoknh [email protected] ls okn O;; Hkh :-
5]000@&¼ikap gtkj :i;s½ izkIr djus dk vf/kdkjh gSA bl ifjfLFkfr esa vihykFkhZ@ifjoknh dh vihy vkaf'kd Lohdkj fd;s tkus ;ksX; gSA 20- mijksDr foospuk ds ifjisz{; esa ge bl fu"d"kZ ij igqaprs gSa fd [email protected] cSad }kjk vihykFkhZ@ifjoknh ds Hkfo"; fuf/k ds cSad va'knku dk C;kt lfgr Hkqxrku u drZO; foeq[krk ,oa ykijokgh iw.kZ d`R; dkfjr fd;k x;k gS ftyk Qksje us bl laca/k esa tks vkns'k ikfjr fd;k gS og fof/k lEer ugha gksus ls fLFkj j[ks tkus ;ksX; ugha gSA vihykFkhZ@ifjoknh dh vihy vkaf'kd Lohdkj fd;s tkus ;ksX; gSA 21- vr% vihykFkhZ@ifjoknh dh vihy vkaf'kd Lohdkj dh tkrh gS rFkk [email protected] dks i`Fkd&i`Fkd ,oa la;qDr% ;g vknsf'kr fd;k tkrk gS fd os bl vkns'k fnukad ls 30 fnuksa dh vof/k ds Hkhrj vihykFkhZ@ifjoknh dks Hkfo"; fuf/k ds cSad va'knku :-
7]41]706-87¼lkr yk[k bdpkyhl gtkj lkr lkS N% :i;s lR;klh iSls½ dk Hkqxrku djsaxs rFkk mDr jkf'k :- 7]41]706-87¼lkr yk[k bdpkyhl gtkj lkr lkS N% :i;s lR;klh iSls½ ij fnukad 18-07- 2009 ls Hkqxrku frfFk rd 9 izfr'kr lk/kkj.k okf"kZd C;kt vnk //16// djsaxsA ekufld {kfriwfrZ gsrw :-20]000@&¼chl gtkj :i;s½ vnk djsaxs rFkk okn O;; gsrq Hkh :-5]000@&¼ikap gtkj :i;s½ vihykFkhZ@ifjoknh dks vnk djsaxsA izdj.k dh ifjfLFkfr dks ns[krs gq, bl vihy dk O;; i{kdkj viuk&viuk ogu djsaxsA ¼U;k;ewfrZ vkj-,l- 'kekZ½ ¼Mh-ds-iksn~nkj½ ¼ujsUnz xqIrk½ ¼Jherh :fp xks;y½ v/;{k lnL; lnL; lnL;
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