State Consumer Disputes Redressal Commission
Horizon Breweries Private Limited vs Sbi General Insurance Co. Ltd. on 23 January, 2023
Reportable jktLFkku jkT; miHkksDrk fookn izfrrks"k vk;ksx] t;qij le{k%&Jh lqjsUnz dqekj tSu] ihBklhu lnL;¼U;kf;d½ Jh 'kSysUnz HkÍ]lnL;
ifjokn la[;k%& 230@2019 eS- gksfjtu czsofjt izkbZosV fyfeVsM] irk ,Q& 152] ghjkokyh b.MLVªh;y ,fj;k] jhdk dkuksrk] t;iqj&303012 tfj;s funs'kd Jh gfj'k xaxkorA & ifjoknh cuke 1- ,l-ch-vkbZ- tujy ba';ksjsl a d0fy0] izFke eafty }kjdk fuokl] ch,eMCY;w 'kks:e ds lkeus] dSyk'kiqjh] Vkad s jksM] DyklZ vkesj gksVy] t;iqj&302018 tfj;s izca/kdA 2- LVsV cSad vkWQ bf.M;k] 20 nqdku] tSu eafnj ds ikl] vkn'kZ uxj] t;iqj tfj;s 'kk[kk izca/kdA & foi{khx.k ifjokn varxZr /kkjk 17 miHkksDrk laj{k.k vf/kfu;e] 1986 mifLFkr%& 1- ifjoknh dh vksj ls Jh xksiky 'kkL=h] vf/koDrkA 2- foi{kh la[;k 1 chek daiuh dh vksj ls Jh iz[kj vxzoky] vf/koDrkA 3- foi{kh la[;k 2 dh vksj ls dksbZ mifLFkr ughaA fu.kZ; fnukad%& 23-01-2023 }kjk%& Jh lqjsUnz dqekj tSu] ihBklhu lnL; ¼U;kf;d½ ifjoknh daiuh us foi{khx.k ds fo#) bl vk;ksx esa fnukad 23-12- 2019 dks miHkksDrk laj{k.k vf/kfu;e] 1986 dh /kkjk 17 ds rgr ;g ifjokni= bu rF;ksa dk izLrqr fd;k fd] ifjoknh daiuh us foi{kh la[;k 2 ls ds'k ØsfMV fyfeV ys j[kh gS rFkk foi{kh la[;k 2 cSad ds }kjk le;≤ ij ifjoknh daiuh ds LVkWd dk fujh{k.k dj lR;kiu fd;k tkrk gS rFkk ifjoknh daiuh ds }kjk LVkWd LVsVesaV foi{kh la[;k 2 cSad ds ;gka izLrqr fd;k tkrk gSA ifjoknh ds vuqlkj foi{kh la[;k 2 cSad us ds'k eSa- gksfjtu czsofjt izk0fy0 cuke ,l-ch-vkbZ- tujy ba';ksjal d0fy0 ,oa vU;
ifjokn la[;k& 230@2019 ØsfMV fyfeV dh lqj{kk gsrq foi{kh la[;k 1 chek daiuh ls chek djok j[kk gS] fdarq ifjoknh dks chek ikWfylh dh 'krksZa ls voxr ugha djk;k x;k gSA fnukad 05-03-2018 dks ifjoknh daiuh ds esu xsV] xksMkmu xsV] IykaV xsV rFkk nksuksa dk;kZy; ds rkys rksM+dj vKkr O;fDr cksry cukus dh dqy 14 MkbZ] Lis;j ikV~lZ] lejflcy eksVj] ,l-,l LVhy ds ikbi] dkWij ok;j vkfn pksjh djds ys x,] ftldh fjiksVZ iqfyl esa ntZ djkbZ xbZA iqfyl ds }kjk vafre izfrosnu izLrqr dj fn;k x;kA ifjoknh us viuk chek nkok :i;s 19]24]800@& ds fy;s foi{kh uacj 1 chek daiuh ds ;gka izLrqr fd;k] tks chek ikWfylh dh 'krksZa ds mYya?ku ds dkj.k [kkfjt dj fn;k x;kA bl izdkj ifjoknh us ifjokni= izLrqr dj 19]24]800@& :Ik;s uqdlku isVs] 4]50]000@&:Ik;s ekufld ,oa 'kkjhfjd larki isVs rFkk 50]000@&:Ik;s eqdnek [kpZ isVs fnyk;s tkus dk fuosnu fd;k gSA 02- foi{kh la[;k 2 cSad dh vksj ls dksbZ mifLFkr ugha gq, gSaA 03- foi{kh la[;k 1 chek daiuh dh vksj ls tokc ifjokni= izLrqr dj ;g fy[kk x;k gS fd ifjoknh daiuh dk rhu eghus ls izksMD'ku can Fkk rFkk QSDVªh can iM+h Fkh] ftldh lwpuk chek daiuh dks ugha nh xbZ ] blfy, chek ikWfylh dh 'krksZa ds vuqlkj chek nkok vLohdkj fd;k x;k gSA ;g Hkh fy[kk x;k gS fd chek jsX;wys'ku ds vuqlkj LkosZ;j fu;qDr fd;k x;k Fkk] ftUgsa ifjoknh daiuh us ckj&ckj ekaxus ij Hkh pksjh x, lkekuksa ds [kjhnus dk fcy rFkk LVkWd jftLVj vkfn miyC/k ugha djk, x, gSa] blfy, mUgksaus viuh foLr`r fjiksVZ nsrs gq;s 2]59]775@&:Ik;s {kfriwfrZ dk vkdyu fd;k gS] fdarq ifjoknh daiuh ds }kjk chek ikWfylh dh 'krksZa dk mYya?ku fd;s tkus ds dkj.k ifjoknh daiuh dk chek nkok vLohdkj fd;k x;k gS] ftlesa foi{kh uacj 1 dk dksbZ lsoknks"k ugha gSA bl izdkj mUgksua s ifjokni= [kkfjt fd;s tkus dk fuosnu fd;k gSA 04- mHk;i{k dh vksj ls 'kiFk i= ,oa fofHkUu nLrkostkr izLrqr fd;s x;s gS] ftudk vko';drkuqlkj foospu fd;k tkosxkA 05- mHk;i{k ds fo}ku vf/koDrkx.k dh cgl lquh xbZ ,oa i=koyh dk voyksdu fd;k x;kA 2 eSa- gksfjtu czsofjt izk0fy0 cuke ,l-ch-vkbZ- tujy ba';ksjal d0fy0 ,oa vU;
ifjokn la[;k& 230@2019 06- i=koyh esa foi{kh uacj 1 ds }kjk chek nkok fujLr djus dk i= izn'kZ 8 layXu gS] ftlds vuqlkj foi{kh uacj 1 chek daiuh us eq[; :Ik ls bl vk/kkj ij chek nkok vLohdkj fd;k gS fd fiNys rhu eghus ls izksMD'ku can Fkk] ifjoknh dh QSDVªh can Fkh] ftldh lwpuk chek daiuh dks ugha nh xbZA bl ckjs esa chek ikWfylh dh Lis'ky 'krZ la[;k 2 dk lgkjk fy;k x;k gS tks fuEu izdkj gS%& "2- Under any of the following circumstances the insurance ceases to attach as regards the properly effected unless the Insured, Before the occurence of any loss or damage, obtains the sanction of the Company Signified by the endorsement upon the Policy by or on behalf of the Company;-
(a) If the trade or manufacture carried on be altered, or if the nature of the occupation of or other circumstances affecting the building insured or containing the insured property be changed in such a way as to increase the risk of loss or damage by insured perils.
(b) If the building insured or containing the insured property becomes unoccupied and so remains for a period of more than 30 days."
mijksDr 'krZ ds voyksdu ls ;g Li"V gksrk gS fd ;fn chek /kkjd viuk O;kikj vFkok fuekZ.k fcuk chek daiuh dks lwpuk fn;s cny ysrk gS vFkok ftl LFkku ds fy;s fjLd doj dh xbZ gS] ml LFkku ds dCts dh izd`fr cny nsrk gS] rc mijksDr of.kZr 'krZ la[;k 2¼a½ ds vuqlkj chek ikWfylh dk Hkax gksuk ekuk tkosxk] fdarq gLrxr izdj.k esa ;gh Li"V gqvk gS fd rhu ekg ls QSDVªh dk izksMD'ku can gS] ftldk ;g vFkZ ugha fudkyk tk ldrk gS fd chek /kkjd us viuk fuekZ.k vFkok O;kikj cny fy;k gksA QSDVªh esa izksMD'ku ugha gksus ls rFkk QSDVªh can gksus ls ;g ugha ekuk tk ldrk gS fd fcfYMax dh izd`fr cny xbZ gks vFkkZr fcfYMax ds fuekZ.k esa dksbZ ifjorZu fd;k x;k gksA bl izdkj bl 'krZ la[;k 2¼a½ dk ekeyk gLrxr izdj.k esa ugha gSA 3 eSa- gksfjtu czsofjt izk0fy0 cuke ,l-ch-vkbZ- tujy ba';ksjal d0fy0 ,oa vU;
ifjokn la[;k& 230@2019 'krZ la[;k 2¼b½ ds vuqlkj ;fn rhl fnu rd chek /kkjd viuh tk;nkn dks unoccupied NksM+ ns] rc ;g ekuk tkosxk fd bl 'krZ la[;k 2¼b½ dk mYya?ku gqvk gS] fdarq gLrxr izdj.k esa foi{kh uacj 1 chek daiuh dk losZ;j Lo;a ;g ekurk gS fd ifjoknh daiuh us nks pkSdhnkj fu;qDr dj j[ks Fks] ftuesa ls ,d fnu esa rFkk ,d jkr esa pkSdhnkjh djrk FkkA ;|fi losZ;j us ;g ekuk gS fd jkr okyk pkSdhnkj vius ifjtu dks ns[kus ds fy;s jkr esa vLirky pyk x;k Fkk] rc rkyk rksM+k x;k gS] fdarq jkr ds le; pkSdhnkj ds pys tkus ls Hkh 'krZ la[;k 2¼b½ ykxw ugha gksrh gS] D;ksfa d blesa 30 fnu rd unoccupied ifjlj NksMk+ tkuk vko';d gSA bl izdkj mijksDr of.kZr 'krZ la[;k 2 dk ifjoknh daiuh ds }kjk Hkax ugha fd;k x;k gSA 07- foi{kh uacj 1 chek daiuh dh vksj ls ;g cgl Hkh dh xbZ gS fd tujy exclusions dh 'krZ la[;k 4 dk mYya?ku ifjoknh ds }kjk fd;k x;k gSA bl 'krZ la[;k 4 ds vuqlkj ;fn chek/kkjh dh ykijokgh ls dksbZ uqdlku gksrk gS] rc 'krZ dk Hkax gksuk ekuk tkosxk] fdarq gLrxr izdj.k esa izFker% ifjoknh us nks xkMZ fu;qDr dj j[ks gSa] nwljs ;fn jkr okyk xkMZ dqN le; ds fy;s QSDVªh esa rkyk yxkdj pyk Hkh tkrk gS rFkk ml nkSjku ?kVuk gksrh gS] rc Hkh bls willfull negligency ugha ekuk tk ldrk gSA bl izdkj ;g fu"d"kZ fudyrk gS fd gLrxr izdj.k esa ifjoknh daiuh dh vksj ls fdlh 'krZ dks Hkax ugha fd;k x;k gSA 08- foi{kh uacj 1 chek daiuh dh vksj ls ekuuh; loksZPp U;k;ky; rFkk ekuuh; jk"Vªh; miHkksDrk vk;ksx ds fuEufyf[kr fofHkUu U;kf;d n`"Vkar izLrqr fd;s x;s gSa] ftuesa ;g crk;k x;k gS fd ;fn chek ikWfylh dh 'krksZa dk mYya?ku fd;k tkrk gS] rc chek /kkjd dk chek nkok vLohdkj fd;k tkosxkA dqN U;kf;d n`"Vkarksa esa ;g crk;k x;k gS fd chek ikWfylh esa of.kZr 'krksZa dks dBksjrk ls ykxw fd;k tk,xk vFkkZr buds ckjs esa vFkkZUo;u ugha fd;k tkosxkA dqN U;kf;d n`"Vkarksa esa ;g Hkh crk;k x;k gS fd losZ;j dh fjiksVZ ekuh tkosA 1- ekuuh; loksZPp U;k;ky; ds U;kf;d n`"Vkar%& 4 eSa- gksfjtu czsofjt izk0fy0 cuke ,l-ch-vkbZ- tujy ba';ksjal d0fy0 ,oa vU;
ifjokn la[;k& 230@2019 A. flfoy vihy uacj 1375@2003 "Suraj Mal Ram Niwas Oil Mills vs. United India Insurance company limited" ,fu.kZ; fnukad& 08-10-2010 B. flfoy vihy uacj 2140 ,Oka 5141@2007 "United India Insurance Company Ltd. vs. Orient Treasures Pvt. Ltd.", fu.kZ; fnukad& 13-01-2016 C. flfoy vihy uacj 6277@2004 "United India Insurance Company Ltd. vs. Harchand Rai Chandan Lal", fu.kZ; fnukad&24-09-2004 D. flfoy vihy uacj 2080@2002 "Vikram Greentech (I) Ltd. and ors. vs. New India Assurance Co. Ltd. ", fu.kZ; fnukad& 01-04-2009 E. flfoy vihy uacj 4913@1997 "Oriental Insurance Co. Ltd. Vs. Sony Cheriyan", fu.kZ; fnukad& 19-08-1999 F. flfoy vihy uacj 4487@2004 "Venkateswara Syndicate Vs. Oriental Insurance Co. Ltd. and ors.", fu.kZ; fnukad& 24-08-2009
2. Ekkuuh; jk"Vªh; miHkksDrk vk;ksx ds U;kf;d n`"Vkar%& A. fjohtu fifV'ku uacj 211@2009 ,oa vihy uacj 2511@2008 " Reliance Life Insurance Co. Ltd. and ors. versus Madhvacharya", fu.kZ; fnukad& 02-02- 2010 B. fjohtu fifV'ku uacj& 2724@2015 "Phool Say Kushwala Vs. Oriental Insurance Co. Ltd. and ors.", fu.kZ; fnukad& 24-08-2016 C. fjohtu fifV'ku uacj&4104@2010 "Mukesh and Company Tobacco Products Pvt. Ltd. Vs. New India Assurance Co. Ltd." fu.kZ; fnukad& 07-08-2018 5 eSa- gksfjtu czsofjt izk0fy0 cuke ,l-ch-vkbZ- tujy ba';ksjal d0fy0 ,oa vU;
ifjokn la[;k& 230@2019 D. fjohtu fifV'ku uacj&549@2013 "Surider Pal Singh Vs. United India Insurance Company Ltd.and ors." fu.kZ; fnukad& 03-08-2017- E. fjohtu fifV'ku uacj&474@2009 " Oriental Insurance Co. Ltd. Vs. Himanchal Pharmaceuticals Ltd." fu.kZ; fnukad& 22-09-2016- F. Ikfjokn izdj.k la[;k 2743@2017 " Ashwin Auto Services Vs. Bajaj Allianz Insurance Co. Ltd. and ors." fu.kZ; fnukad& 01-08-2022- mijksDr foospukuqlkj ;g lkfcr gqvk gS fd foi{kh uacj 1 chek daiuh us xyr vk/kkjksa ij chek nkok vLohdkj fd;k gSA vr% ;g fu"d"kZ fudyrk gS fd ifjoknh daiuh] foi{kh uacj 1 chek daiuh ls {kfriwfrZ izkIr djus dh vf/kdkjh gSA vc ;g ns[kk tkosxk fd ifjoknh daiuh fdruh {kfriwfrZ jkf'k izkIr djus dh vf/kdkjh gS\ 09- i=koyh esa losZ;j fjiksVZ izn'kZ vkj&3 layXu gSA losZ;j us viuh fjiksVZ esa ;g fy[kk gS fd ifjoknh daiuh us dbZ ckj fy[kus ds ckotwn Hkh dbZ vko';d nLrkost ,oa lwpuk,a miyC/k ugha djkbZ gS rFkk viuh fjiksVZ ds dkWye la[;k 1-05 esa ;g fy[kk gS fd ifjoknh daiuh ds }kjk miyC/k djkbZ xbZ lwpuk ,oa nLrkostkr ds vk/kkj ij os viuh fjiksVZ rS;kj dj jgs gSaA gLrxr ekeys esa 20]00]000@& :Ik;s dk chek LVkWDl vkfVZdy ds fy, rFkk 1]35]50]000@&:Ik;s dk chek IykaV ,aM e'khujh ds fy, fd;k x;k gSA gLrxr izdj.k esa cy lfgr pksjh dh tks ?kVuk gqbZ gS] og IykaV ,aM e'khujh ds ckjs esa gqbZ gSA bl ekeys ds vuqlkj ifjoknh us foi{kh uacj 2 cSad ls ds'k ØsfMV fyfeV yh gS] ftldh lqj{kk ds fy;s foi{kh uacj 2 cSad us foi{kh la[;k 1 chek daiuh ls chek djk;k gSA ;g rF; fufoZokfnr gS fd bl chek ikWfylh esa foi{kh la[;k nks cSad intermediator gSA losZ;j us viuh fjiksVZ ds dkWye la[;k 11-00 esa o"kZ 2005&06 ls ysdj o"kZ 2017&18 rd izR;sd foÙkh; o"kZ dh IykaV ,aM e'khujh dh capitalization fjiksVZ] tks pkVsZM vdkmaVsaV ¼lh-,-½ ls izekf.kr gS] muds vk/kkj ij ;g ekuk gS fd ?kVuk ds le; 1]66]90]378@&:i;s dh capital ifjoknh daiuh 6 eSa- gksfjtu czsofjt izk0fy0 cuke ,l-ch-vkbZ- tujy ba';ksjal d0fy0 ,oa vU;
ifjokn la[;k& 230@2019 esa miyC/k FkhA losZ;j us ;g ekuk gS fd IykaV ,aM e'khujh dk chek 1]35]50]000@&:i;s ds fy;s djk;k gS] blfy, losZ;j us bl ekeys esa 31]40]378@&:i;s vaMj ba';ksjsl a ekurs gq;s ;g fy[kk gS fd 18-82 izfr'kr {kfriwfrZ jkf'k vaMj ba';ksjsal ds rgr dkVh tkosxh rFkk losZ;j us vius dkWye la[;k 12-00 esa tc uqdlku dk assessment fd;k] rc mUgksaus fuEu izdkj vkdyu fd;k gS%& 12- ASSESSMENT/ ADJUSTEMENT On the basis of information/documents provided by insured and our verification, the assessment/ adjustment of loss has been worked out as under:
Particulars Amt. (Rs.) Insured's Claim 19,24,800
Less: 30% on account of any possible 5,77,440 difference in estimated value than final value at the time of reinstallment.( Refer Para 10.02) Gross value 13,47,360 Less:- Depreciation@75%as per 10,10,520 Para 10.03 Loss Assessed 3,36,840 Less:- Under [email protected] 63,393 Loss Adjusted 2,73,447 Less:- 5% of the claim amount 13,672 subject to minimum of Rs. 1,000/-
Net Loss Adjusted 2,59,775 7 eSa- gksfjtu czsofjt izk0fy0 cuke ,l-ch-vkbZ- tujy ba';ksjal d0fy0 ,oa vU;
ifjokn la[;k& 230@2019 mijksDr vkdyu ds vuqlkj losZ;j us iSjk uacj 10-02 ds vuqlkj IykaV ,aM e'khujh ds reinstatement ds le; final value rFkk estimated value ds rgr 30 izfr'kr jkf'k 5]77]440@&:i;s de dj fn;s gSaA mlds i'pkr~ iSjk la[;k 10-03 ds vuqlkj 75 izfr'kr depreciation ds rgr 10]10]520@&:i;s de dj fn;s gSa] ,oa mlds i'pkr~ 3]36]840@&:i;s esa ls vaMj ba';ksjsal ds 18]82 izfr'kr :i;s 63]393@&:i;s de dj fn;s gSaA 10- losZ;j us viuh fjiksVZ ds iSjk la[;k 10-02 ds rgr 30 izfr'kr jkf'k de dh gS rFkk iSjk la[;k 10-03 ds rgr 75 izfr'kr jkf'k de dh gSA mDr nksuksa iSjk fuEu izdkj gSa%& 10-02 In support of the rates, Insured have neither provided us copies of original bills of purchase nor they have provided final bills of reinstatement. However they provided us quotation for moulds only. Keeping the same in view, while assessing the loss, we deducted 30% of estimated value of stolen items for any possible difference in estimated rate and actual final rates at the time of reinstatement.
10.03 Since insured did not provide us final bills of reinstatement/replacement, therefore the loss hass been assured on depriciated value basis. Insured did not provide evidence for time of purchase of stolen items, particularly of moulds. In view of this, we have considered flat 75% depreciation, while assessing the loss.
10¼1½ iSjk la[;k 10-02 ds vuqlkj mDr moulds(dayi) ds [kjhn ds fcy izLrqr ugha fd;k tkuk crk;k x;k gS] fdarq ifjoknh ds }kjk mDr moulds ds dksVs'ku izLrqr fd;s x;s gSa] rc losZ;j us estimated value dk 30 izfr'kr de dj fn;k gS] fdarq tc losZ;j us viuh fjiksVZ ds iSjk la[;k 11 esa ;g ekuk gS fd ?kVuk ds le; 1]66]90]378@&:i;s ds IykaV ,aM e'khujh dh capital ekStwn Fkh rFkk mUgksaus vaMj ba';ksjsl a dk ekeyk Hkh ekuk gS] rc fQj iSjk la[;k 10-02 ds vuqlkj 30 izfr'kr jkf'k dh dVkSrh fd;k tkuk mfpr ugha gSA 8 eSa- gksfjtu czsofjt izk0fy0 cuke ,l-ch-vkbZ- tujy ba';ksjal d0fy0 ,oa vU;
ifjokn la[;k& 230@2019 10¼2½ iSjk la[;k 10-03 esa Hkh reinstatement/ replacement ds QkbZuy fcy izLrqr ugha fd;s tkus ds dkj.k depriciation ds rgr 75 izfr'kr jkf'k de dj nh xbZ gS] tks Hkh vaMj ba';ksjsl a dk ekeyk ekus tkus ds dkj.k mfpr ugha gSA 10¼3½ bl izdkj ;g fu"d"kZ fudyrk gS fd gLrxr izdj.k esa losZ;j us iSjk la[;k 10-02 rFkk iSjk la[;k 10-03 ds rgr tks jkf'k dVkSrh dh gS] og mfpr ugha gS] D;ksfa d ?kVuk es]a QSDVªh esa ekStwn lHkh moulds pksjh gks x;s gSa rFkk losZ;j us vaMj ba';ksjsl a ds rgr ekeyk ekuk gSA ,slh fLFkfr esa ge ;g ikrs gSa fd gLrxr izdj.k esa ifjoknh us dksVs'ku miyC/k djk;s gaS rFkk losZ;j Lo;a us ?kVuk ds le; chfer jkf'k ls vf/kd dh dSfiVy ifjoknh QSDVªh esa ekStwn ikbZ gS rFkk leLr moulds(dayi) pksjh gks x;s gSa] rc fQj iSjk la[;k 10-02 ,oa 10-03 ds rgr losZ;j ds }kjk tks jkf'k;ka dkVh xbZ gS] os mfpr ugha gSA vaMj ba';ksjsal ds rgr 18-82 izfr'kr ds fglkc ls tks :i;s dkVs tkus gSa] os mfpr gSaA blds vykok excess clause ds rgr tks 5 izfr'kr jkf'k dkVh tkuh gS] og Hkh mfpr gSA bl izdkj gLrxr izdj.k esa losZ;j dh fjiksVZ mfpr ugha gS rFkk foi{kh uacj 1 chek daiuh ds }kjk losZ;j fjiksVZ ds laca/k esa tks U;kf;d n`"Vkar izLrqr fd;s x;s gSa] os foi{kh uacj 1 chek daiuh dh dksbZ lgk;rk ugha djrs gSaA 11- fuEu izdkj ls {kfr dk fu/kkZj.k fd;k tkrk gS%& ifjoknh ds }kjk izLrqr estimated amount- 19,24,800.00 less:- under insurance @ 18.82% - (-) 3,62,247.36
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15,62,552.64
less:- 5% excess clause- (-) 78,127.632
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Net Loss 14, 84, 425.008
( pkSng yk[k pkSjklh gtkj pkj lkS iPphl :i;s vkB iSl½s
12. mijksDr foospukuqlkj ;g fu"d"kZ fudyrk gS fd ifjoknh daiuh 14]84]425-008 ( pkSng yk[k pkSjklh gtkj pkj lkS iPphl :i;s vkB iSl½s :Ik;s {kfriwfrZ jkf'k foi{kh uacj 1 chek daiuh ls izkIr djus dh vf/kdkjh gSA mDr jkf'k ij ifjokni= izLrqr djus dh fnukad 23-12-2019 ls 9 eSa- gksfjtu czsofjt izk0fy0 cuke ,l-ch-vkbZ- tujy ba';ksjal d0fy0 ,oa vU;
ifjokn la[;k& 230@2019 rk&olwyh 9 izfr'kr okf"kZd nj ls C;kt fnyk;k tkuk Hkh mfpr gSA C;kt nj 9 izfr'kr tks fnyk;h x;h gS] og cSad C;kt nj ls vf/kd gS] blfy, ifjoknh daiuh dks ekufld larki isVs dksbZ jkf'k fnyk;k tkuk U;k;ksfpr ugha gSA ifjoknh daiuh] foi{kh uacj 1 chek daiuh ls ifjokn [kpZ isVs 25]000@&:i;s izkIr djus dh vf/kdkjh gSA blh izdkj ifjokni= Lohdkj fd;s tkus ;ksX; gSA vkns'k 1- foi{kh uacj 1 chek daiuh] vkt ls nks ekg ds vanj ifjoknh daiuh dks gksus okys uqdlku ds isVs 14]84]425-008 :Ik;s ( pkSng yk[k pkSjklh gtkj pkj lkS iPphl :i;s vkB iSl½s vnk djsxh rFkk bl jkf'k ij ifjokni= izLrqr djus dh fnukad 23-12-2019 ls rk&olwyh 9 izfr'kr okf"kZd nj ls C;kt Hkh vnk djsxhA 2- foi{kh uacj 1 chek daiuh] ifjoknh dks vkt ls nks ekg ds vanj 25]000@&:i;s¼ iPphl gtkj :i;s½ dh jkf'k ifjokn O;; isVs vnk djsxh rFkk nks ekg dh vof/k esa mDr jkf'k vnk ugha djus ij foi{kh uacj 1 chek daiuh] ifjoknh dks bl 25]000@&:i;s ij vkt fu.kZ; fnukad 23-01-2023 ls rk&olwyh 9 izfr'kr okf"kZd nj ls C;kt vnk djsxhA 3- ;g ifjokni= foi{kh uacj 2 cSad ds fo#) [kkfjt fd;k tkrk gSA ¼ 'kSyUs nz HkÍ ½ ¼,l-ds-tSu½ lnL; lnL; ¼U;kf;d½ @lk{kh ikjhd@ 10 eSa- gksfjtu czsofjt izk0fy0 cuke ,l-ch-vkbZ- tujy ba';ksjal d0fy0 ,oa vU;
ifjokn la[;k& 230@2019 11