State Consumer Disputes Redressal Commission
State Bank Of India Through Branch ... vs Satveer Singh S/O Ramkumar on 16 April, 2024
1 jktLFkku jkT; miHkksDrk fookn izfrrks"k vk;ksx] t;iqj le{k%& ekuuh; U;k;kf/kifr Jh nsosUnz dPNkokgk] v/;{k ekuuh; Jh vrqy dqekj pVthZ] U;kf;d lnL;
ekuuh; Jh jkeQwy xqtZj] lnL;
vihy la[;k 389@2023 01- Hkkjrh; LVsV cSad] 'kk[kk dksVZ ifjlj cgjksM+] ftyk vyoj] jktLFkku tfj;s 'kk[kk izca/kd 02- Hkkjrh; LVsV cSad] jhtuy vkWfQl & lkfu;k gkWfLiVy ds ikl] 60] QqV jksM+] vyoj] jktLFkku tfj;s jhtuy vkWfQlj vihykFkhZx.k&foi{khx.k cuke lrohj flag iq= Jh jkedqekj jkor] vk;q djhc 24 o"kZ] fuoklh&xzke&igkM+h] rglhy&cgjksM+] ftyk&vyoj] jktLFkku izR;FkhZ&ifjoknh mifLFkr%& vihykFkhZx.k&foi{khx.k dh vksj ls %& Jh nhid ikjhd ,oa Jh vrqy ikjhd] vf/koDrkx.k izR;FkhZ&ifjoknh dh vksj ls %& Jh jksfgr prqosZnh] vf/koDrk cgl lquus dh fnukad %& 04-04-2024 fu.kZ; dh fnukad %& 16-04-2024 fu.kZ;
[}kjk ekuuh; Jh vrqy dqekj pVthZ] U;kf;d lnL;½ 2 jkT; miHkksDrk vk;ksx] t;iqj vihy la[;k 389@2023 Hkkjrh; LVsV cSad 'kk[kk dksVZ ifjlj cgjksM+ ,oa vU;
cuke lrohj flag ;g vihy vihykFkhZx.k&foi{khx.k Hkkjrh; LVsV cSad] 'kk[kk dksVZ ifjlj] cgjksM+ ,oa vU; us izR;FkhZ&ifjoknh lrohj flag ds fo:) fo}ku ftyk miHkksDrk fookn izfrrks"k vk;ksx] vyoj ds }kjk ifjokn izdj.k la[;k 60@2020 cmuoku lrohj flag jkor cuke Hkkjrh; LVsV cSad] 'kk[kk dksVZ cgjksM+ ,oa vU; esa ikfjr fu.kZ; fnukad 08-08-2023 ds fo:) izLrqr dh gS] ftlds }kjk mUgksaus izR;FkhZ&ifjoknh dk ifjokni= fo:) vihykFkhZx.k&foi{khx.k Lohdkj dj fuEu vkns'k ikfjr fd;k%& Þifjoknh Jh lrohj flag }kjk vizkFkhZ la[;k 1 o 2 ds fo:) /kkjk 12 miHkksDrk laj{k.k vf/kfu;e 1986 ds rgr izLrqr ;g ifjokn Lohdkj dj vkns'k fn;k tkrk gS fd vizkFkhZx.k] ifjoknh dks mldh voS/k :i ls fudkyh xbZ jkf'k 1]12]000@&#i;s ¼v{kjs ,d yk[k ckjg gtkj #i;s½ e; fudklh fnukad ls rkvnk;xh rd cpr cSad [kkrk C;kt nj ls vnk djsA vkns'k dh ikyuk ,d ekg dh vof/k esa dh tkosA ifjokn O;; i{kdkjku viuk&viuk ogu djsAa i=koyh QSly 'kqekj gksdj vko';d izfof"B mijkUr 'kkfey vfHkys[kkxkj gksAÞ 02- ekeys ds lqlaxr rF; la{ksi esa bl izdkj ls gS fd ifjoknh ds foi{kh la[;k 1 cSad 'kk[kk esa ,-Vh-,e- dkMZ lqfo/kk lfgr la/kkfjr cpr [kkrk la[;k 31934508853 esa ls fnukad 10-05-2019 dks jkf= ds le; 11%43 ij 40]000@&#i;s ,oa mlds dqN le; i'pkr~ jkf= le; djhc 12%05 ij iqu% 40]000@&#i;s Øe'k% y{eh iSysl] iatkch ckx] ubZ fnYyh ,oa jko fogkj ubZ fnYyh fLFkr ,-Vh-,e- e'khu ls tfj;s ,-Vh-,e- fudky fy;s x;s A blds i'pkr fnukad 11-05-2019 dks gh lqcg djhc 07%39 ij 32]000@&#i;s ifjoknh ds [kkrs esa lss fdlh vf[ky Bkdqfj;k iq= Jh Hkksyk Bkdqfj;k] fuoklh Palasbari VPO BARHENT, RANGAMAH, KAMPUR, ASSAM, eksckby ucaj 8876779658 ds [kkrk la[;k 34231497245 esa rFkk Milklesh Devi W/o SATYAVEER SINGH, VPO BUHENA, ftyk fiykuh] jktLFkku] eksckby uacj 7877632561 ds [kkrk la[;k 61156011512 esa VªkalQj dj fy;s x;s A bl izdkj ifjoknh ds [kkrs 3 jkT; miHkksDrk vk;ksx] t;iqj vihy la[;k 389@2023 Hkkjrh; LVsV cSad 'kk[kk dksVZ ifjlj cgjksM+ ,oa vU;
cuke lrohj flag ls ifjoknh dks vkfFkZd uqdlku igqapkrs gq, 1]12]000@&#i;s fudky fy;s x; A mDr rF; dh tkudkjh ifjoknh dks mlds eksckby esa eSlst vkus ij gqbZ A mDr voS/k laO;ogkjksa ds le; ifjoknh vius ?kj xzke igkM+h essa gh jkf= esa lks jgk Fkk rFkk ml le; ifjoknh ds ikl viuk ,Vh,e dkMZ Hkh Fkk] tks vkt Hkh ifjoknh ds ikl ekStwn gSA ifjoknh rqjUr lqcg cSad [kqyus ij foi{kh la[;k 1 cSad 'kk[kk esa x;k rFkk cSad dks leLr rF;ksa ls voxr djokrs gq, fyf[kr esa izkFkZuk&i= fn;k A foi{kh la[;k 1 cSad 'kk[kk us 'kh?kz gh dk;Zokgh dj ifjoknh ds [kkrs esa mDr jde okil tek djokus dk vk'oklu fn;k A ifjoknh us foi{kh la[;k 1 cSad 'kk[kk ds funsZ'kkuqlkj mDr voS/k laO;ogkjksa ds laca/k easa eqdkeh iqfyl Fkkus esa fnukad 13-05-2019 dks fyf[kr esa izkFkZuk i= is'k fd;k rFkk foi{kh la[;k 1 cSad 'kk[kk dks Hkh izkFkZuk i= is'k fd;k A eqdkeh iqfyl }kjk dksbZ dk;Zokgh ugha djus ij ifjoknh us iqfyl v/kh{kd] vyoj dks ,d ifjokn i= is'k fd;k] ftl ij muds funZs'kkuqlkj eqdkeh iqfyl }kjk izFke lwpuk fjiksVZ la[;k 412 fnukad 29-05-2019 dks ntZ dh xbZ A ifjoknh ds ckj&ckj fuosnu djus ds ckotwn foi{khx.k us mDr voS/k laO;ogkjksa ds tfj;s ifjoknh ds [kkrs ls fudkyh xbZ mDr jkf'k ifjoknh ds [kkrs esa tek ugha dh xbZ] tks foi{khx.k dk vuqfpr O;kikj&O;ogkj ,oa lsoknks"k gS A vr% ifjoknh us fo}ku ftyk miHkksDrk vk;ksx ds le{k ifjokn izLrqr dj mDr voS/k laO;ogkjksa ds tfj;s ifjoknh ds [kkrs ls fudkyh xbZ mijksDr jkf'k 1]12]000@&#i;s e; C;kt rFkk vkfFkZd gkfu] ekufld larki o 'kkjhfjd d"V dh {kfri`frZ jkf'k 50]000@&#i;s pkgs A 03- vizkFkhZ la[;k 1 o 2 us la;qDr tokc izLrqr dj ifjoknh dk foi{kh la[;k 1 cSad 'kk[kk esa ,-Vh-,e- dkMZ lqfo/kk lfgr cpr [kkrk [kqyk gqvk gksuk Lohdkj djrs gq, vfHkdfFkr fd;k fd ifjoknh ds foi{kh la[;k 1 cSad 'kk[kk esa la/kkfjr cpr [kkrs esa fnukad 10-05-2019 rd 1]12]434-14 :i;s 'ks"k tek FksA ifjoknh ds [kkrk fooj.k dks ns[kus ls dsoy bruk Li"V gS fd ifjoknh ds mijksä cpr [kkrs ls fnukad 10-05-2019 dh jkf= dks 3 ckj esa 4 jkT; miHkksDrk vk;ksx] t;iqj vihy la[;k 389@2023 Hkkjrh; LVsV cSad 'kk[kk dksVZ ifjlj cgjksM+ ,oa vU;
cuke lrohj flag dqy 40]000@& :i;s fon~MªkWy fd;s x;s FksA fnukad 11-05-2019 dks lqcg nqckjk 3 ckj esa dqy 40]000@& :i;s fon~MªkWy fd;s x;s rFkk mlds ckn nqckjk 3 ckj esa dqy 32]000@&:i;s ifjoknh ds [kkrs ls vU; [kkrs esa VªkalQj gq, gSa A [kkrk/kkjd }kjk eSlst lqfo/kk ,oa ,-Vh-,e- dkMZ tkjh djok;s tkus ds ckn ,-Vh-,e- ds }kjk dh xbZ çR;sd jde fudklh dk mlh le; mlds }kjk fn;s x;s eksckbZy uEcj ij eSlt s tkrk gS rFkk mlesa fy[kk gksrk gS fd "If not w/d by you forward this SMS to 9223008333 or call 1800111109 to block your card." ;fn blds mijkUr [kkrk/kkjd }kjk Lo;a dk ,-Vh-,e- dkMZ ;k [kkrk Cy‚d ugha djk;k tkrk gS rks blls [kkrk/kkjd dh ykijokgh tkfgj gksrh gSA ifjoknh ds ifjokn esa of.kZr rF;ksa ls ;g Li"V tkfgj gS fd ifjoknh }kjk mlds eksckby ij vk;s One time Password (OTP) ,oa ,-Vh-,e- fiu uEcj fdlh vKkr O;fDr ls 'ks;j djus ds dkj.k gh iz'uxr laO;ogkjksa ds tfj;s ifjoknh ds [kkrs ls jkf'k voS/k :Ik ls fon~MªkW gqbZ gS] tks Lo;a ifjoknh dh ykijokgh gS vkSj ftlds fy, ifjoknh Lo;a ftEesnkj gS A 04- foi{kh la[;k 1 ,oa 2 us tokc esa ;g Hkh vfHkdfFkr fd;k fd ifjoknh }kjk fnukad 13-05-2019 dks eqdkeh iqfyl Fkkus esa izLrqr dh xbZ fyf[kr f'kdk;r ij eqdkeh iqfyl }kjk vKkr O;fä ds fo:) ,Q-vkbZ-vkj- uEcj 0412@2019 fnukad 29-05-2019 dks /kkjk 420 Hkkjrh; n.M lafgrk 1860 ds vUrxZr eqdnek ntZ fd;k tk pqdk gS rFkk mijksä çdj.k vHkh vUrxZr vuqla/kku gS ,oa eqdkeh iqfyl }kjk vfHk;qä dh ryk'k o çdj.k dh r¶rh'k dh tk jgh gS A bu lHkh rF;kas ls Li"V tkfgj gS fd ifjoknh }kjk vfHk;qä ds fo:) QkStnkjh dkuwuh dk;Zokgh vey esa ykbZ tk pqdh gSA ifjoknh }kjk iqfyl Fkkus esa nh xbZ fyf[kr f'kdk;r] ntZ gqbZ ,Q-vkbZ-vkj vkfn ls Li"V gS fd fdlh vKkr O;fä }kjk /kks[kk/kM+h dj QthZokM+k dj ifjoknh ds [kkrs ls jde fudkyh xbZ gSA ifjoknh }kjk xyr rF;ksa ds vk/kkj ij dsoy ek= foi{khx.k dks rxa o ijs'kku djus dh fu;r ls ;g ifjokn is'k fd;k x;k gSA vr% mUgkssaus ifjokn [kkfjt djus dh izkFkZuk dh A 5 jkT; miHkksDrk vk;ksx] t;iqj vihy la[;k 389@2023 Hkkjrh; LVsV cSad 'kk[kk dksVZ ifjlj cgjksM+ ,oa vU;
cuke lrohj flag 05- fo}ku ftyk miHkksDrk fookn izfrrks"k vk;ksx] vyoj us mHk;i{k dh cgl lqudj ,oa lk{; vfHkfyf[kr djds mHk;i{k ds vfHkopuksa ,oa lk{; ds vk/kkj ij vkyksP; fu.kZ; ikfjr fd;k] ftlls O;fFkr gksdj vihykFkhZx.k&foi{khx.k cSad ds }kjk ;g vihy is'k dh xbZ gS A 06- vihy ij cgl fo}ku vf/koDrk mHk;i{k lquh xbZ A 07- ;ksX; vf/koDrkx.k vihykFkhZx.k&foi{khx.k cSad us dekscs'k vihy eheks esa n'kkZ;s rF;ks dks rdksZa ds :Ik esa nksgjkrs gq, izeq[k :Ik ls ;g rdZ fn;k fd izR;FkhZ&ifjoknh }kjk vius MsfcV dkMZ ls fd;s x;s fookfnr laO;ogkjksa ¼Transctions½ dh lwpuk fjtoZ cSad vkWQ bf.M;k }kjk fnuakd 06-07-2017 dks izlkfjr ifji= la[;k DBR No.Leg.BC.78/09-07.005/2017-18 esa fn;s x;s funsZ'kkuqlkj ;Fkkle; vihykFkhZx.k&foi{khx.k cSad dks ?kVuk ds rF;ksa ls voxr ugha djok;k gS ,oa bl vk/kkj ij vihykFkhZx.k&foi{khx.k cSad dh vksj ls Lo;a dk dksbZ mŸkjnkf;Ro ugha gkasus dk rdZ fn;k x;k rFkk vkyksP; fu.kZ; dks vikLr dj vihy Lohdkj djus dh izkFkZuk dh xbZ A 08- bu rdksZa dk ;ksX; vf/koDrk izR;FkhZ&ifjoknh us dM+k fojks/k djrs gq, fjtoZ cSad vkWQ bf.M;k ds ifji= fnuakd 06-07-2017 dk gokyk nsrs gq, mDr ifji= dh 'krZ la[;k 6 Limited Liability of a Customer ds vUrxZr Zero Liability of a Customer rFkk mDr ifji= ds i`"B la[;k 5 esa Table 2 - Summary of Customer's Liability esa n'kkZ;s vuqlkj /kks[kk/kMh ls fd;s x;s laO;ogkj ¼Fraudulent Transaction) dh lwpuk ¼Communication½ izkIr gksus dh fnuakd ls rhu dk;Z fnol esa cSd dks nsus dh voLFkk esa miHkksDrk dk nkf;Ro 'kwU; gksuk fu/kkZfjr fd;k x;k gS A mDr lkj.kh esa 4&7 fnol dh vof/k vFkok 7 fnol ls vf/kd vof/k ds i'pkr~ lwpuk nsus ij mŸkjnkf;Ro fdruk gksxk] ;g Hkh n'kkZ;k x;k gS A 09- blds vfrfjDr ;ksX; vf/koDrk izR;FkhZ&ifjoknh us fjtoZ cSad vkWQ bf.M;k ds mDr ifji= ds Reversal Timeline for Zero Liability/Limited Liability of customer ds pj.k la[;k 9 ,oa 10¼i½ ds izko/kkuksa dk gokyk fn;k gS] tks fuEukuqlkj gS%& 6 jkT; miHkksDrk vk;ksx] t;iqj vihy la[;k 389@2023 Hkkjrh; LVsV cSad 'kk[kk dksVZ ifjlj cgjksM+ ,oa vU;
cuke lrohj flag "Reversal Timeline for Zero Liability/Limited Liability of customer:-
9. On being notified by the customer, the bank shall credit (shadow reversal) the amount involved in the unauthorised electronic transaction to the customer's account within 10 working days from the date of such notification by the customer (Without waiting for settlement of insurance claim, if any).
Banks may also at their discretion decide to waive off any customer liability in case of unauthorised electronic banking transactions even in cases of customer negligence. The credit shall be value dated to be as of the date of the unauthorised transaction.
10(i) A complaint is resolved and liability of the customer, if any, established within such time, as may be specified in the bank's Board approved policy, but not exceeding 90 days from the date of receipt of the complaint, and the customer is compensated as per provisions of paragraphs 6 to 9 above."
10- blds vykok ;ksX; vf/koDrk izR;FkhZ&ifjoknh us fjtoZ cSad vkWQ bf.M;k ds mDr ifji= dh Burden of Proof dh en esa pj.k la[;k 12 esa fn;s x;s izko/kkuksa dk gokyk fn;k gS] tks fuEukuqlkj gS%& "Burden of Proof The burden of proving customer liability in case of unauthorised electronic banking transactions shall lie on the bank."
11- blds vfrfjDr ;ksX; vf/koDrk izR;FkhZZ&ifjoknh us ekuuh; jk"Vªh; miHkksDrk fookn izfrrks"k vk;ksx ds U;kf;d n`"VkUr Revision Petition No. 3333/2013 - HDFC Bank Limited and Ors. Vs Jesna Jose, Decided on 21.12.2020 dk gokyk nsrs gq, leku rF;ksa ,oa ifjfLFkfr;ksa esa cSad dk mŸkjnkf;Ro fu/kkZfjr fd;s tkus dk rdZ fn;k A var esa mUgksua s vkyksP; fu.kZ; dks ;Fkkor j[kus dh izkFkZuk djrs gq, vihy [kkfjt djus dh izkFkZuk dh A 7 jkT; miHkksDrk vk;ksx] t;iqj vihy la[;k 389@2023 Hkkjrh; LVsV cSad 'kk[kk dksVZ ifjlj cgjksM+ ,oa vU;
cuke lrohj flag 12- geus mDr rdksZa ij euu fd;k rFkk vkyksP; fu.kZ; ds ifjizs{; esa i=koyh ,oa i=koyh ij miyC/k nLrkostksa dk /;kuiwoZd ifj'khyu fd;k vkSj ;ksX; vf/koDrk izR;FkhZ&ifjoknh }kjk mnjr U;kf;d fofu'p; dk lEekuiwoZd v/;;u fd;k A 13- bl izdj.k esas ;g Lohd`r rF; gS fd izR;FkhZ&ifjoknh ds [kkrs ls ,Vh,e ds tfj;s /kks[kk/kM+h;qDr laO;ogkj ¼Fraudulent Transaction) fd;s x;s ,oa fnukad 10-05-2019 dks jkf= 11-43 ij 40]000@&:i;s ,oa 12-05 ij iqu% 40]000@&:i;s Øe'k% y{eh iSysl] iatkch ckx] ubZ fnYyh ,oa jko fogkj] ubZ fnYyh fLFkr ,-Vh-,e- e'khu ls fudkys x;s A blds i'pkr~ vkxkeh fnol fnukad 11-05-2019 dks lqcg 07-30 ij 32]000@&:i;s izR;FkhZ&ifjoknh ds [kkrs ls fdlh vf[ky Bkdqfj;k iq= Jh Hkksyk Bkdqfj;k] fuoklh Palasbari VPO BARHENT, RANGAMAH, KAMPUR, ASSAM, eksckby ucaj 8876779658 ds [kkrk la[;k 34231497245 esa rFkk Milklesh Devi W/o SATYAVEER SINGH, VPO BUHENA, ftyk fiykuh] jktLFkku] eksckby uacj 7877632561 ds [kkrk la[;k 61156011512 esa VªkalQj gq, A bl izdkj dqy 1]12]000@&:i;s izR;FkhZ&ifjoknh ds [kkrs ls /kks[kk/kM+h ls fudky fy;s x;s A 14- ;|fi ;ksX; vf/koDrkx.k vihykFkhZx.k&foi{khx.k cSad dh vksj ls ;g rdZ fn;k x;k gS fd izR;FkhZ&ifjoknh us fjtoZ cSad vkWQ bf.M;k ds mDr lanfHkZr ifji= fnuakd 06-07-2017 esa nh xbZ izfØ;k ds vuqlkj fu/kkZfjr le; esa vihykFkhZx.k&foi{khx.k cSad esa /kks[kk/kM+h ls fd;s x;s laO;ogkj ¼Fraudulent Transaction) dh lwpuk ¼Communication½ ugha nh] ijUrq geus vfHkys[k dk voyksdu djus ij ik;k fd izR;FkhZ&ifjoknh us ifjokn ds pj.k la[;k 5 esa fuEukuqlkj dFku fd;k gS%& **;g fd feu ifjoknh rqjUr lqcg cSad [kqyus ij foi{kh la[;k 1 ds ikl x;k rFkk lkjs rF;ksa ls voxr djk;k ,oa fyf[kr esa izkFkZuk&i= fn;k] ftl ij foi{kh la[;k 1 }kjk feu izkFkhZ dks vk'oLr fd;k fd oks 'kh?kz gh dk;Zokgh ifjoknh ds [kkrs esa okfil mDr jde dks tek 8 jkT; miHkksDrk vk;ksx] t;iqj vihy la[;k 389@2023 Hkkjrh; LVsV cSad 'kk[kk dksVZ ifjlj cgjksM+ ,oa vU;
cuke lrohj flag djok nsxsa rFkk feu ifjoknh dks eqdkeh iqfyl esa izFke lwpuk fjiksVZ ntZ djokus gsrq Hkh fuosnu fd;kA** 15- bldk [k.Mu vihykFkhZx.k&foi{khx.k cSad us vius tokc ifjokn ds pj.k la[;k 5 esa fuEukuqlkj fd;k gS%& **;g fd ifjokni= dk ftEeu ua- 5 xyr o.kZu fd;k x;k gS] tks Lohdkj ugha gSA mijksDr ifjokn esa of.kZr rF;ksa ls ;g Li"V tkfgj gS fd fdlh vKkr O;fDr us [kkrk/kkjd dk ,-Vh-,e- dkMZ vFkok [kkrk gSd djds mlds [kkrs dh tekiwath dks xyr rjhds ls foMªk rFkk vU; [kkrs esa VªkalQj fd;k gS tks lEiw.kZ dk;Z [kkrk/kkjd dh usXyhtsUlh ds fcuk lEHko ugha gS D;ksfa d ;fn dksbZ vKkr O;fDr tc fdlh [kkrk/kkjd ds [kkrs ;k ,-Vh-,e- dkMZ dks gSd djus dk iz;kl djrk gS rks lqj{kk dh n`f"V ls lkW¶Vos;j }kjk [kkrk/kkjd ds eksckby ij OTP rFkk vU; vko';d eSlst Hksts tkrs gSa] tks cgqr xksiuh; j[ks tkus pkfg, ysfdu [kkrk/kkjd }kjk ,-Vh-,e- fiu uEcj vFkok One time Password vkfn eSlt s fdlh vutku O;fDr ds cgdkos esa vkdj mlds lkFk lk>k djus ds ckn gh [kkrk ;k ,-Vh-,e- gSd gksus dh vf/kd lEHkkouk gksrh gSaA pwfa d [kkrk/kkjd ds ,-Vh-,e- ds fiu uEcj vFkok OTP dh tkudkjh dsoy ek= [kkrk/kkjd ds ikl gh gksrh gS] tks tkudkjh cSad ds ikl Hkh miyC/k ugha gks ldrh gSA ,slh fLFkfr esa ;g Li"V tkfgj gS fd [kkrk/kkjd us jkf= esa uhan esa fdlh vutku O;fDr ds cgdkos esa vkdj ,-Vh-,e- dkMZ dk fiu uEcj vFkok OTP uEcj ;k vU; xksiuh; tkudkjh mls nh gksxh] mlds ckn gh ml vKkr O;fDr }kjk [kkrk/kkjd dh tekjkf'k xyr rjhds ls fudkyh xbZ gSA pwfa d fdlh vKkr O;fDr }kjk [kkrk/kkjd dk ,-Vh-,e- dkMZ ;k [kkrk gSd djds jde fudklh dh xbZ gS ,slh fLFkfr esa [kkrk/kkjd dks ml vKkr O;fDr ds fo:) mfpr dkuwuh dk;Zokgh dj Lo;a dh jde dks dkuwuh izfØ;k ds rgr gh mlls okil izkIr djus dh dk;Zokgh djuh gksxh rFkk cSad 'kk[kk us Lo;a }kjk dHkh Hkh [kkrk/kkjd dks mldh jde ds okil Hkqxrku dk vk'oklu ugha fn;k A** 16- mDr nksuksa vfHkopuksa dks ijLij ,d lkFk ns[kus ij ge ;g ikrs gSa fd pwfa d izR;FkhZ&ifjoknh us vius mDr vfHkopuksa esa ;g Li"V vfHkopu 9 jkT; miHkksDrk vk;ksx] t;iqj vihy la[;k 389@2023 Hkkjrh; LVsV cSad 'kk[kk dksVZ ifjlj cgjksM+ ,oa vU;
cuke lrohj flag fd;k gS fd mlus fnukad 11-05-2019 dks lqcg cSad [kqyrs gh vihykFkhZx.k&foi{khx.k cSad dks fookfnr laO;ogkjksa dh lwpuk ns nh Fkh] fdUrq vihykFkhZx.k&foi{khx.k cSad us izR;FkhZ&ifjoknh }kjk fd;s x;s fo'ks"k vfHkopuksa dk ;Fkk:Ik dksbZ [k.Mu ugha fd;k] cfYd ;g dgrs gq, fd ftl laO;ogkj dks izR;FkhZ&ifjoknh fookfnr dj jgk gS] mlds fy, fuf'pr :Ik ls izR;FkhZ&ifjoknh }kjk gh lacfa /kr O;fDr dks izR;FkhZ&ifjoknh ds eksckby uEcj ij izsf"kr vks-Vh-ih- vFkok ,-Vh-,e- dkMZ dk fiu crk;k x;k gksxkA 17- bl izdkj izR;FkhZ&ifjoknh ds }kjk fo'ks"k :Ik ls fd;s x;s vfHkopuksa dk [k.Mu vihykFkhZZx.k&foi{khx.k cSad ds }kjk ;Fkk:Ik ugha fd;s tkus dh voLFkk esa fof/k vuqlkj izR;FkhZ&ifjoknh dk ;g ekeyk Lohdkj fd;s tkus ;ksX; ekuk tk;sxk fd mlus vkxkeh dk;Z fnol dks gh vihykFkhZx.k&foi{khx.k cSad dks /kks[kk/kM+h ls fd;s x;s laO;ogkj ¼Fraudulent Transaction) dh tkudkjh ns nh Fkh A bl laca/k esa ;g Hkh mYYks[kuh; gS fd Lohd`r rkSj ij izR;FkhZ&ifjoknh }kjk ?kVuk dh fyf[kr lwpuk eqdkeh iqfyl Fkkuk esa fnuakd 13-05-2019 dks ns nh Fkh] ftl ij izFke lwpuk fjiksVZ la[;k 0412 fnukad 29-05-2019 ntZ dh xbZ Fkh A gekjs fouez er esa ;g rF; vius vki esa izR;FkhZ&ifjoknh ds ekeys dks lefFkZr djus tSlk gS D;ksfa d izR;FkhZ&ifjoknh us iqfyl dks fookfnr laO;ogkjksa ds rhu fnol ds vUnj lwpuk ns nh Fkh rks fQj ;g LokHkkfod izrhr gksrk gS fd izR;FkhZ&ifjoknh us vihykFkhZx.k&foi{khx.k cSad dks Hkh fookfnr laO;ogkjksas dh tkudkjh ;Fkkle; ns nh Fkh A 18- bu ifjfLFkfr;ksa esa vihykFkhZx.k&foi{khx.k cSad dk ;g ekeyk Lohdkj fd;s tkus ;ksX; ugha gS fd izR;FkhZ&ifjoknh us fjtoZ cSad vkWQ bf.M;k ds ifji= fnuakd 06-07-2017 ds izko/kkukuqlkj fu/kkZfjr vof/k esa vihykFkhZx.k&foi{khx.k cSad dks ?kVuk dh tkudkjh ugh nh A 19- ;ksX; vf/koDrk vihykFkhZx.k&foi{khx.k ds }kjk vihy eheks esa n'kkZ;s vuqlkj izFke lwpuk fjiksVZ ntZ djokus dh fLFkfr esa miHkksDrk ifjokn pyus ;ksX; ugha gksus dk Hkh rdZ fn;k x;k gS] fdUrq ge ;ksX; vf/koDrk 10 jkT; miHkksDrk vk;ksx] t;iqj vihy la[;k 389@2023 Hkkjrh; LVsV cSad 'kk[kk dksVZ ifjlj cgjksM+ ,oa vU;
cuke lrohj flag vihykFkhZx.k&foi{khx.k cSad ds bl rdZ ls lger ugha gS D;ksafd gekjs mijksDr foospukuqlkj fopkjk/khu izdj.k ds rF;ksa vkSj ifjfLFkfr;kssa esa ;g rF; izR;FkhZZ&ifjoknh ds ekeys dks lefFkZr djus tSlk ekuk x;k gS fd mlus fookfnr laO;ogkjksa ds laca/k esa iqfyl dks ;Fkkle; lwpuk ns nh Fkh A 20- mijksDr foospukuqlkj ge bl fu"d"kZ ij igqaps gSa fd ftu vk/kkjksa ij fo}ku ftyk miHkksDrk fookn izfrrks"k vk;ksx] vyoj dk fu.kZ; fnuakd 08-08-2023 fookfnr fd;k x;k gS] mu vk/kkjksa ij ;g vihy Lohdkj fd;s tkus ;ksX; izrhr ugha gksrh gS A ifj.kkeLo:Ik vihykFkhZx.k&foi{khx.k cSad ds }kjk izR;FkhZ&ifjoknh ds fo:) izLrqr ;g vihy [kkfjt fd;s tkus ;ksX; ikbZ tkrh gS A vkns'k vihykFkhZx.k&foi{khx.k Hkkjrh; LVsV cSad] 'kk[kk dksVZ ifjlj cgjksM]+ ftyk vyoj oxSjg }kjk izR;FkhZ&ifjoknh lrohj flag ds fo:) izLrqr ;g vihy [kkfjt dh tkrh gS A fo}ku ftyk miHkksDrk fookn izfrrks"k vk;ksx] vyoj }kjk ifjokn izdj.k la[;k 60@2020 cmuoku lrohj flag jkor cuke Hkkjrh; LVsV cSad] 'kk[kk dksVZ ifjlj cgjksM+] ftyk vyoj oxSjg esa ikfjr fu.kZ; fnuakd 08-08-2023 iq"V fd;k tkrk gS A vihy dk [kpkZ mHk;i{k viuk&viuk ogu djsx a sA fu.kZ; dh ,d izfr ds lkFk fo}ku ftyk miHkksDrk vk;ksx] vyoj dk fjdkWMZ vfoyEc okil ykSVk;k tkos A ¼jkeQwy xqtZj½ ¼vrqy dqekj pVthZ½ ¼nsosUnz dPNkokgk½ lnL; U;kf;d lnL; v/;{k fVadj