Agriculture Insurance Company Of India ... vs Vikram Satwaji Labade on 24 December, 2025

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State Consumer Disputes Redressal Commission

Agriculture Insurance Company Of India ... vs Vikram Satwaji Labade on 24 December, 2025

                                 1       FA/890 to1049/2019


                                        Date of filing :18.04.2019
                                        Date of order :24.12.2025

      MAHARASHTRA STATE CONSUMER DISPUTE REDRESSAL
        COMMISSION,MUMBAI, BENCH AT AURANGABAD.

                     FIRST APPEAL NOS. 890 TO 1049 OF 2019


1) FIRST APPEAL NO. : 890 OF 2019
IN COMPLAINT CASE NO.: 849 OF 2018
DISTRICT CONSUMER COMMISSION : NANDED.
Agriculture Insurance Company                 Appellant
Of India Ltd,.                          (Adv.M.R.Deshmukh)
Through its Authorized Signatory,
Mumbai Regional Office, 20th Office,
East Wing, Bombay Stock Exchange
Building, Dalal Street, Fort,
Mumbai 400 023.
                   VERSUS
1.

Dnyaneshwar Digambar Chapat, Respondent No.1 R/o Dhoki, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

2) FIRST APPEAL NO. : 891 OF 2019 IN COMPLAINT CASE NO.: 851 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED. Agriculture Insurance Company Appellant Of India Ltd,. (Adv.M.R.Deshmukh) Through its Authorized Signatory, Mumbai Regional Office, 20th Office, East Wing, Bombay Stock Exchange Building, Dalal Street, Fort, Mumbai 400 023.

VERSUS

1. Digambar Dinaji Chapat, Respondent No.1 R/o Dhoki, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

3) FIRST APPEAL NO. : 892 OF 2019 2 FA/890 to1049/2019 IN COMPLAINT CASE NO.: 845 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED. Agriculture Insurance Company Appellant Of India Ltd,. (Adv.M.R.Deshmukh) Through its Authorized Signatory, Mumbai Regional Office, 20th Office, East Wing, Bombay Stock Exchange Building, Dalal Street, Fort, Mumbai 400 023.

VERSUS

1. Ramrao Vyankati Chapat, Respondent No.1 R/o Dhoki, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

4) FIRST APPEAL NO. : 893 OF 2019 IN COMPLAINT CASE NO.: 846 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

Agriculture Insurance Company Appellant Of India Ltd,. (Adv.M.R.Deshmukh) Through its Authorized Signatory, Mumbai Regional Office, 20th Office, East Wing, Bombay Stock Exchange Building, Dalal Street, Fort, Mumbai 400 023.

VERSUS

1. Mahadu Mugaji Bhosale, Respondent No.1 R/o Thugaon, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

5) FIRST APPEAL NO. : 894 OF 2019 IN COMPLAINT CASE NO.: 708 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

3 FA/890 to1049/2019

VERSUS

1. Nitin Prakashrao Dakhore, Respondent No.1 R/o (Dhoki) Naleshwar, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

6) FIRST APPEAL NO. : 895 OF 2019 IN COMPLAINT CASE NO.: 700 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Sanjay Hanmantrao Dakhore, Respondent No.1 R/o Dhoki (Naleshwar), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

7) FIRST APPEAL NO. : 896 OF 2019 IN COMPLAINT CASE NO.: 704 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Prakash Munjaji Dakhore, Respondent No.1 R/o Naleshwar, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

4 FA/890 to1049/2019

8) FIRST APPEAL NO. : 897 OF 2019 IN COMPLAINT CASE NO.: 707 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Vikram Satwaji Labade, Respondent No.1 R/o Naleshwar, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

9) FIRST APPEAL NO. : 898 OF 2019 IN COMPLAINT CASE NO.: 698 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Daivshala Prakashrao Dakhore, Respondent No.1 R/o Dhoke(Naleshwar), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

10) FIRST APPEAL NO. : 899 OF 2019 IN COMPLAINT CASE NO.: 696 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

Agriculture Insurance Company Appellant Of India Ltd,. (Adv.M.R.Deshmukh) Through its Authorized Signatory, Mumbai Regional Office, 20th Office, 5 FA/890 to1049/2019 East Wing, Bombay Stock Exchange Building, Dalal Street, Fort, Mumbai 400 023.

VERSUS

1. Vikramrao Satwaji Labade, Respondent No.1 R/o Dhoki(Naleshwar), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

11) FIRST APPEAL NO. : 900 OF 2019 IN COMPLAINT CASE NO.: 697 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Govind Vikramrao Labade, Respondent No.1 R/o Dhoki(Naleshwar), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

12) FIRST APPEAL NO. : 901 OF 2019 IN COMPLAINT CASE NO.: 699 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Rahul Prakashrao Dakhore, Respondent No.1 R/o Dhoki(Naleshwar), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2.

6 FA/890 to1049/2019

Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

13) FIRST APPEAL NO. : 902 OF 2019 IN COMPLAINT CASE NO.: 693 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Vimalbai Panditrao Labade, Respondent No.1 R/o Dhoki, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

14) FIRST APPEAL NO. : 903 OF 2019 IN COMPLAINT CASE NO.: 692 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Kalaba Laxman Dukare(died) Respondent No.1 LR Sanjay Kalaba Dukre.

R/o Pimpalgaon(Koraka), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

(Kalaba Laxman Dukare died during the pendency of the consumer complaint before the District Commision and his legal heir namely Sanjay Kalaba Dukre has been brought on record. But while filing the appeal by indvertance appellant mentioned the name of just Kalaba Laxman Dukare. It is therefore, a pursis has been filed by the appellant that, instead of Kalaba Laxman Dukare is legal heir Sanjay Laxman Dukare be arrayed as respondent no.1)

2. The Manager, Nanded District Central Co-operative Respondent No.2.

7 FA/890 to1049/2019

Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

15) FIRST APPEAL NO. : 904 OF 2019 IN COMPLAINT CASE NO.: 582 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Ramrao Sambhaji Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

16) FIRST APPEAL NO. : 905 OF 2019 IN COMPLAINT CASE NO.: 691 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Madhavrao Mukinda Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

17) FIRST APPEAL NO. : 906 OF 2019 IN COMPLAINT CASE NO.: 576 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

Agriculture Insurance Company Appellant 8 FA/890 to1049/2019 Of India Ltd,. (Adv.M.R.Deshmukh) Through its Authorized Signatory, Mumbai Regional Office, 20th Office, East Wing, Bombay Stock Exchange Building, Dalal Street, Fort, Mumbai 400 023.

VERSUS

1. Anusaya Shirrang Niwadange, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

18) FIRST APPEAL NO. : 907 OF 2019 IN COMPLAINT CASE NO.: 689 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Savita Nagesh Badawane, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

19) FIRST APPEAL NO. : 908 OF 2019 IN COMPLAINT CASE NO.: 584 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Sanjay Madhavrao Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) 9 FA/890 to1049/2019 Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

20) FIRST APPEAL NO. : 909 OF 2019 IN COMPLAINT CASE NO.: 581 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Kailas Shivajirao Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

21) FIRST APPEAL NO. : 910 OF 2019 IN COMPLAINT CASE NO.: 684 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Madhavrao Kishanrao Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

22) FIRST APPEAL NO. : 911 OF 2019 10 FA/890 to1049/2019 IN COMPLAINT CASE NO.: 685 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Narbaji Sambhaji Dukare, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

23) FIRST APPEAL NO. : 912 OF 2019 IN COMPLAINT CASE NO.: 577 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Kishan Kondiba Niwadange, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

24) FIRST APPEAL NO. : 913 OF 2019 IN COMPLAINT CASE NO.: 571 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Vishvambar Kishanrao Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

25) FIRST APPEAL NO. : 914 OF 2019 IN COMPLAINT CASE NO.: 690 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Datta Vyankatrao Bdawane, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

26) FIRST APPEAL NO. : 915 OF 2019 IN COMPLAINT CASE NO.: 583 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Balaji Kishanrao Kandhare, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) 12 FA/890 to1049/2019 Tq. & Dist. Nanded.

27) FIRST APPEAL NO. : 916 OF 2019 IN COMPLAINT CASE NO.: 579 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Trimbak Taterao Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

28) FIRST APPEAL NO. : 917 OF 2019 IN COMPLAINT CASE NO.: 578 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Narhari Narayan Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

29) FIRST APPEAL NO. : 918 OF 2019 IN COMPLAINT CASE NO.: 687 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

Agriculture Insurance Company Appellant Of India Ltd,. (Adv.M.R.Deshmukh) Through its Authorized Signatory, 13 FA/890 to1049/2019 Mumbai Regional Office, 20th Office, East Wing, Bombay Stock Exchange Building, Dalal Street, Fort, Mumbai 400 023.

VERSUS

1. Kishanrao Hanmantrao Labde, Respondent No.1 R/o Dhoki, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

30) FIRST APPEAL NO. : 919 OF 2019 IN COMPLAINT CASE NO.: 913 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Vimalbai Shankar Niwadange, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

31) FIRST APPEAL NO. : 920 OF 2019 IN COMPLAINT CASE NO.: 688 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Govindrao Narayanrao Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

14 FA/890 to1049/2019

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

32) FIRST APPEAL NO. : 921 OF 2019 IN COMPLAINT CASE NO.: 580 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Shriniwas Marotrao Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

33) FIRST APPEAL NO. : 922 OF 2019 IN COMPLAINT CASE NO.: 914 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Dnyanoba Umaji Bdawane, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

34) FIRST APPEAL NO. : 923 OF 2019 IN COMPLAINT CASE NO.: 686 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

15 FA/890 to1049/2019

VERSUS

1. Bhagwan Apparao Wagh(Dead), Respondent No.1 Through his legal heir (Adv.A.G.Vasmatkar) Shwshrao Bhagwan Wagh R/o Naleshwar, Nanded, Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

35) FIRST APPEAL NO. : 924 OF 2019 IN COMPLAINT CASE NO.: 572 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Tulshiram Govinda Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

36) FIRST APPEAL NO. : 925 OF 2019 IN COMPLAINT CASE NO.: 895 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Sushilabai Sopanrao Patil, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.Mahesh Taur) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

37) FIRST APPEAL NO. : 926 OF 2019 IN COMPLAINT CASE NO.: 896 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Prakash Sopanrao Patil, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.Mahesh Taur) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

38) FIRST APPEAL NO. : 927 OF 2019 IN COMPLAINT CASE NO.: 932 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Shardabai Dadaro Sowadkar, Respondent No.1 R/o Nanded, (Adv.Mahesh Taur) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) 17 FA/890 to1049/2019 Tq. & Dist. Nanded.

39) FIRST APPEAL NO. : 928 OF 2019 IN COMPLAINT CASE NO.: 925 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Rukminbai Gopinath Bokare, Respondent No.1 R/o Someshwar, Nanded, (Adv.Mahesh Taur) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

40) FIRST APPEAL NO. : 929 OF 2019 IN COMPLAINT CASE NO.: 927 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Aakash Gopinath @ Sambhaji Bokare, Respondent No.1 R/o Someshwar, Nanded, (Adv.Mahesh Taur) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

41) FIRST APPEAL NO. : 930 OF 2019 IN COMPLAINT CASE NO.: 926 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

Agriculture Insurance Company Appellant Of India Ltd,. (Adv.M.R.Deshmukh) 18 FA/890 to1049/2019 Through its Authorized Signatory, Mumbai Regional Office, 20th Office, East Wing, Bombay Stock Exchange Building, Dalal Street, Fort, Mumbai 400 023.

VERSUS

1. Sudhakar Gopinath Bokare, Respondent No.1 R/o Someshwar, Nanded, (Adv.Mahesh Taur) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

42) FIRST APPEAL NO. : 931 OF 2019 IN COMPLAINT CASE NO.: 930 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Ram Sambhaji Bokare, Respondent No.1 R/o Rahati(BK), Nanded, (Adv.Mahesh Taur) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

43) FIRST APPEAL NO. : 932 OF 2019 IN COMPLAINT CASE NO.: 883 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Chhaya Deepak Patil, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.Mahesh Taur) Tq. And Dist. Nanded.

19 FA/890 to1049/2019

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

44) FIRST APPEAL NO. : 933 OF 2019 IN COMPLAINT CASE NO.: 924 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Gopinath Kondiba Bokare, Respondent No.1 R/o Someshwar, Nanded, (Adv.Mahesh Taur) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

45) FIRST APPEAL NO. : 934 OF 2019 IN COMPLAINT CASE NO.: 880 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Sanjanabai Sadashiv Korke, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.Mahesh Taur) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

46) FIRST APPEAL NO. : 935 OF 2019 IN COMPLAINT CASE NO.: 933 OF 2018 20 FA/890 to1049/2019 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Anaanda Pralhad Dukare, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.Mahesh Taur) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

47) FIRST APPEAL NO. : 936 OF 2019 IN COMPLAINT CASE NO.: 938 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Gendaji Govindrao Sontakke, Respondent No.1 R/o Wahegaon, Nanded, (Adv.Mahesh Taur) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

48) FIRST APPEAL NO. : 937 OF 2019 IN COMPLAINT CASE NO.: 928 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

21 FA/890 to1049/2019

VERSUS

1. Sambhaji Ganpatrao Bokare, Respondent No.1 R/o Rahati(BK), Nanded, (Adv.Mahesh Taur) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

49) FIRST APPEAL NO. : 938 OF 2019 IN COMPLAINT CASE NO.: 929 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Kamalbai Sambhaji Bokare, Respondent No.1 R/o Rahati (BK), Nanded, (Adv.Mahesh Taur) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

50) FIRST APPEAL NO. : 939 OF 2019 IN COMPLAINT CASE NO.: 893 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Laxmanrao Umaji Patil, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.Mahesh Taur) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

22 FA/890 to1049/2019

51) FIRST APPEAL NO. : 940 OF 2019 IN COMPLAINT CASE NO.: 882 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Govindrao Keshavrao Korke, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.Mahesh Taur) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

52) FIRST APPEAL NO. : 941 OF 2019 IN COMPLAINT CASE NO.: 887 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Vyankatrao Umaji Patil, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.Mahesh Taur) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

53) FIRST APPEAL NO. : 942 OF 2019 IN COMPLAINT CASE NO.: 886 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

Agriculture Insurance Company Appellant Of India Ltd,. (Adv.M.R.Deshmukh) Through its Authorized Signatory, Mumbai Regional Office, 20th Office, 23 FA/890 to1049/2019 East Wing, Bombay Stock Exchange Building, Dalal Street, Fort, Mumbai 400 023.

VERSUS

1. Gulabrao Keshavrao Korke, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.Mahesh Taur) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

54) FIRST APPEAL NO. : 943 OF 2019 IN COMPLAINT CASE NO.: 884 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Shweta Prakash Patil, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.Mahesh Taur) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

55) FIRST APPEAL NO. : 944 OF 2019 IN COMPLAINT CASE NO.: 889 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Sumitrabai Ramrao Patil, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.Mahesh Taur) Tq. And Dist. Nanded.

2. The Manager, 24 FA/890 to1049/2019 Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

56) FIRST APPEAL NO. : 945 OF 2019 IN COMPLAINT CASE NO.: 892 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Suryabhan Devidasrao Patil, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.Mahesh Taur) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

57) FIRST APPEAL NO. : 946 OF 2019 IN COMPLAINT CASE NO.: 894 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Pandhari Laxman Patil, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.Mahesh Taur) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

58) FIRST APPEAL NO. : 947 OF 2019 IN COMPLAINT CASE NO.: 888 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

25 FA/890 to1049/2019

VERSUS

1. Ramrao Umaji Patil, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.Mahesh Taur) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

59) FIRST APPEAL NO. : 948 OF 2019 IN COMPLAINT CASE NO.: 879 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Vilas Rangnathrao Korke, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.Mahesh Taur) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

60) FIRST APPEAL NO. : 949 OF 2019 IN COMPLAINT CASE NO.: 891 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Chandrabhan Devidasrao Patil, Respondent No.1 26 FA/890 to1049/2019 R/o Pimpalgaon(Korka), Nanded, (Adv.Mahesh Taur) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

61) FIRST APPEAL NO. : 950 OF 2019 IN COMPLAINT CASE NO.: 890 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Devidasrao Umaji Patil, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.Mahesh Taur) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

62) FIRST APPEAL NO. : 951 OF 2019 IN COMPLAINT CASE NO.: 878 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Ramesh Rangrao Korke, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.Mahesh Taur) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

27 FA/890 to1049/2019

63) FIRST APPEAL NO. : 952 OF 2019 IN COMPLAINT CASE NO.: 881 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Kalidas Uttamrao Korke, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

64) FIRST APPEAL NO. : 953 OF 2019 IN COMPLAINT CASE NO.: 560 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Anant Vitthalrao Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

65) FIRST APPEAL NO. : 954 OF 2019 IN COMPLAINT CASE NO.: 563 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Nrusinh Govindrao Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

66) FIRST APPEAL NO. : 955 OF 2019 IN COMPLAINT CASE NO.: 595 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Ganesh Digambar Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

67) FIRST APPEAL NO. : 956 OF 2019 IN COMPLAINT CASE NO.: 587 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Shivdas Marotrao Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2.

29 FA/890 to1049/2019

Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

68) FIRST APPEAL NO. : 957 OF 2019 IN COMPLAINT CASE NO.: 590 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Vithal Dnyaneshwar Dukare, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

69) FIRST APPEAL NO. : 958 OF 2019 IN COMPLAINT CASE NO.: 555 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Yadavrao Maroti Korke, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

70) FIRST APPEAL NO. : 959 OF 2019 IN COMPLAINT CASE NO.: 557 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

Agriculture Insurance Company Appellant Of India Ltd,. (Adv.M.R.Deshmukh) 30 FA/890 to1049/2019 Through its Authorized Signatory, Mumbai Regional Office, 20th Office, East Wing, Bombay Stock Exchange Building, Dalal Street, Fort, Mumbai 400 023.

VERSUS

1. Ratan Kondiba Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

71) FIRST APPEAL NO. : 960 OF 2019 IN COMPLAINT CASE NO.: 586 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Datta Ukanda Suryawanshi, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

72) FIRST APPEAL NO. : 961 OF 2019 IN COMPLAINT CASE NO.: 597 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Vyankati Maroti Jadhav, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

31 FA/890 to1049/2019

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

73) FIRST APPEAL NO. : 962 OF 2019 IN COMPLAINT CASE NO.: 541 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Chandu Maroti Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

74) FIRST APPEAL NO. : 963 OF 2019 IN COMPLAINT CASE NO.: 591 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Yashodabai Yadavrao Korke, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

75) FIRST APPEAL NO. : 964 OF 2019 IN COMPLAINT CASE NO.: 596 OF 2018 32 FA/890 to1049/2019 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Rangnath Kondiba Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

76) FIRST APPEAL NO. : 965 OF 2019 IN COMPLAINT CASE NO.: 567 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Bapurao Vithalrao Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

77) FIRST APPEAL NO. : 966 OF 2019 IN COMPLAINT CASE NO.: 547 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

33 FA/890 to1049/2019

VERSUS

1. Uttam Vitthalrao Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

78) FIRST APPEAL NO. : 967 OF 2019 IN COMPLAINT CASE NO.: 559 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Hari Shankarrao Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

79) FIRST APPEAL NO. : 968 OF 2019 IN COMPLAINT CASE NO.: 566 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Laxman Harji Wagh, Respondent No.1 R/o Naleshwar, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

34 FA/890 to1049/2019

80) FIRST APPEAL NO. : 969 OF 2019 IN COMPLAINT CASE NO.: 592 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Pundalik Yadavrao Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

----------------------------------------------------------------------

81) FIRST APPEAL NO. : 970 OF 2019 IN COMPLAINT CASE NO.: 549 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Apparao Shivajirao Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

82) FIRST APPEAL NO. : 971 OF 2019 IN COMPLAINT CASE NO.: 564 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

Agriculture Insurance Company Appellant 35 FA/890 to1049/2019 Of India Ltd,. (Adv.M.R.Deshmukh) Through its Authorized Signatory, Mumbai Regional Office, 20th Office, East Wing, Bombay Stock Exchange Building, Dalal Street, Fort, Mumbai 400 023.

VERSUS

1. Ekanath Narayanrao Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

83) FIRST APPEAL NO. : 972 OF 2019 IN COMPLAINT CASE NO.: 589 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Balaji Vithalrao Dukare, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

----------------------------------------------------------------

84) FIRST APPEAL NO. : 973 OF 2019 IN COMPLAINT CASE NO.: 551 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Shriram Shivaji Badawane, Respondent No.1 36 FA/890 to1049/2019 R/o Dhoki(Naleshwar), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded

85) FIRST APPEAL NO. : 974 OF 2019 IN COMPLAINT CASE NO.: 543 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Devidas Vitthalrao Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded

86) FIRST APPEAL NO. : 975 OF 2019 IN COMPLAINT CASE NO.: 593 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Sitaram Vithoba Bhosle, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded 37 FA/890 to1049/2019

87) FIRST APPEAL NO. : 976 OF 2019 IN COMPLAINT CASE NO.: 561 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Govinda Balaji Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded

88) FIRST APPEAL NO. : 977 OF 2019 IN COMPLAINT CASE NO.: 585 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Govind Narayanrao Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded

89) FIRST APPEAL NO. : 978 OF 2019 IN COMPLAINT CASE NO.: 553 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Gangabai Pundalikrao Wagh, Respondent No.1 R/o Naleshwar, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded

90) FIRST APPEAL NO. : 979 OF 2019 IN COMPLAINT CASE NO.: 556 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Gangadhar Ratan Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded

91) FIRST APPEAL NO. : 980 OF 2019 IN COMPLAINT CASE NO.: 565 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Pandurang Bhagwanrao Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2.

39 FA/890 to1049/2019

Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded

92) FIRST APPEAL NO. : 981 OF 2019 IN COMPLAINT CASE NO.: 599 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Pralhad Piraji Dukare, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded

93) FIRST APPEAL NO. : 982 OF 2019 IN COMPLAINT CASE NO.: 568 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Tirupati Nanarao Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded

94) FIRST APPEAL NO. : 983 OF 2019 IN COMPLAINT CASE NO.: 558 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

Agriculture Insurance Company Appellant 40 FA/890 to1049/2019 Of India Ltd,. (Adv.M.R.Deshmukh) Through its Authorized Signatory, Mumbai Regional Office, 20th Office, East Wing, Bombay Stock Exchange Building, Dalal Street, Fort, Mumbai 400 023.

VERSUS

1. Rajendra Raosaheb Pawar, Respondent No.1 R/o Naleshwar, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded

95) FIRST APPEAL NO. : 984 OF 2019 IN COMPLAINT CASE NO.: 562 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Pandurang Veankatrao Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

96) FIRST APPEAL NO. : 985 OF 2019 IN COMPLAINT CASE NO.: 548 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Chandu Kishan Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) 41 FA/890 to1049/2019 Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

97) FIRST APPEAL NO. : 986 OF 2019 IN COMPLAINT CASE NO.: 598 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Ramchandra Narayuan Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

98) FIRST APPEAL NO. : 987 OF 2019 IN COMPLAINT CASE NO.: 542 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Devida Tukaram Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

99) FIRST APPEAL NO. : 988 OF 2019 42 FA/890 to1049/2019 IN COMPLAINT CASE NO.: 569 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Gangaram Namdev Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

100) FIRST APPEAL NO. : 989 OF 2019 IN COMPLAINT CASE NO.: 544 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Vishwambhar Naganrao Bhosale, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

101) FIRST APPEAL NO. : 990 OF 2019 IN COMPLAINT CASE NO.: 545 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Prakash Piraji Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

102) FIRST APPEAL NO. : 991 OF 2019 IN COMPLAINT CASE NO.: 594 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Parasram Dhondiba Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Nanded District Central Co-operative Respondent No.2. Bank, Br. Naleshwar, Nanded. (EX-parte) Tq. & Dist. Nanded.

103) FIRST APPEAL NO. : 992 OF 2019 IN COMPLAINT CASE NO.: 910 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Parvatibai Raghoji Wagh, Respondent No.1 R/o Naleshwar, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Maharashtra Gamin Bank, Respondent No.2. Branch Vazirabad, Nanded. (Adv.N.P.Wangikar) 44 FA/890 to1049/2019 Tq. & Dist. Nanded.

104) FIRST APPEAL NO. : 993 OF 2019 IN COMPLAINT CASE NO.: 909 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Karuna Govindrao Wagh, Respondent No.1 R/o Naleshwar, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Maharashtra Gamin Bank, Respondent No.2. Branch Vazirabad, Nanded. (Adv.N.P.Wangikar) Tq. & Dist. Nanded.

105) FIRST APPEAL NO. : 994 OF 2019 IN COMPLAINT CASE NO.: 908 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Sanjay Raghoji Wagh, Respondent No.1 R/o Naleshwar, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Maharashtra Gamin Bank, Respondent No.2. Branch Vazirabad, Nanded. (Adv.N.P.Wangikar) Tq. & Dist. Nanded.

106) FIRST APPEAL NO. : 995 OF 2019 IN COMPLAINT CASE NO.: 907 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

Agriculture Insurance Company Appellant Of India Ltd,. (Adv.M.R.Deshmukh) 45 FA/890 to1049/2019 Through its Authorized Signatory, Mumbai Regional Office, 20th Office, East Wing, Bombay Stock Exchange Building, Dalal Street, Fort, Mumbai 400 023.

VERSUS

1. Raghoji Kishanrao Wagh, Respondent No.1 R/o Naleshwar, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Maharashtra Gamin Bank, Respondent No.2. Branch Vazirabad, Nanded. (Adv.N.P.Wangikar) Tq. & Dist. Nanded.

107) FIRST APPEAL NO. : 996 OF 2019 IN COMPLAINT CASE NO.: 554 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Balaji Naganrao Landage, Respondent No.1 R/o Naleshwar, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Maharashtra Gamin Bank, Respondent No.2. Branch Vazirabad, Nanded. (Adv.N.P.Wangikar) Tq. & Dist. Nanded.

108) FIRST APPEAL NO. : 997 OF 2019 IN COMPLAINT CASE NO.: 575 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Balaji Babarao Wagh, Respondent No.1 R/o Naleshwar, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

46 FA/890 to1049/2019

2. The Manager, Maharashtra Gamin Bank, Respondent No.2. Branch Vazirabad, Nanded. (Adv.N.P.Wangikar) Tq. & Dist. Nanded.

109) FIRST APPEAL NO. : 998 OF 2019 IN COMPLAINT CASE NO.: 574 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Pratibha Balaji Wagh, Respondent No.1 R/o Naleshwar, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Maharashtra Gamin Bank, Respondent No.2. Branch Vazirabad, Nanded. (Adv.N.P.Wangikar) Tq. & Dist. Nanded.

110) FIRST APPEAL NO. : 999 OF 2019 IN COMPLAINT CASE NO.: 550 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Raosaheb Ekanathrao Wagh, Respondent No.1 R/o Naleshwar, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Maharashtra Gamin Bank, Respondent No.2. Branch Vazirabad, Nanded. (Adv.N.P.Wangikar) Tq. & Dist. Nanded.

111) FIRST APPEAL NO. : 1000 OF 2019 IN COMPLAINT CASE NO.: 552 OF 2018 47 FA/890 to1049/2019 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Govindrao Babarao Wagh, Respondent No.1 R/o Naleshwar, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Maharashtra Gamin Bank, Respondent No.2. Branch Vazirabad, Nanded. (Adv.N.P.Wangikar) Tq. & Dist. Nanded.

112) FIRST APPEAL NO. : 1001 OF 2019 IN COMPLAINT CASE NO.: 703 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Laxibai Govindrao Bhosale, Respondent No.1 Naleshwar, Nanded. (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Union Bank of India, Respondent No.2. Branch Tarasing Market, Nanded. (Adv.U.N.Shete) Tq. & Dist. Nanded.

113) FIRST APPEAL NO. : 1002 OF 2019 IN COMPLAINT CASE NO.: 706 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

48 FA/890 to1049/2019

VERSUS

1. Kishan Govindrao Bhosale, Respondent No.1 R/o Naleshwar, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Union Bank of India, Respondent No.2. Branch Tarasing Market, Nanded. (Adv.U.N.Shete) Tq. & Dist. Nanded.

114) FIRST APPEAL NO. : 1003 OF 2019 IN COMPLAINT CASE NO.: 709 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Govindrao Hanumantrao Bhosale, Respondent No.1 R/o Naleshwar(Thugaon), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Union Bank of India, Respondent No.2. Branch Tarasing Market, Nanded. (Adv.U.N.Shete) Tq. & Dist. Nanded.

114) FIRST APPEAL NO. : 1004 OF 2019 IN COMPLAINT CASE NO.: 683 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Vishveshwar Balaji Kshirsagar, Respondent No.1 R/o Borgaon(Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, State Bank of India, Respondent No.2. Branch A.D.B., Tarasing Market, (Exparte ) Nanded, Tq. & Dist. Nanded.

49 FA/890 to1049/2019

116) FIRST APPEAL NO. : 1005 OF 2019 IN COMPLAINT CASE NO.: 694 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Shivaji Gangaramf Kshirsagar, Respondent No.1 R/o Borgaon)Telang), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, State Bank of India, Respondent No.2. Branch A.D.B., Tarasing Market, (Ex-parte) Nanded, Tq. & Dist. Nanded.

117) FIRST APPEAL NO. : 1006 OF 2019 IN COMPLAINT CASE NO.: 940 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Ramrao Bhaurao More, Respondent No.1 R/o Bhanagi, Nanded, (Adv.Mahesh Taur) Tq. And Dist. Nanded.

2. The Manager, Maharashtra Gramin Bank, Respondent No.2. Branch Vishnupuri, Nanded, (Adv.N.P.Wangikar) Tq. & Dist. Nanded.

118) FIRST APPEAL NO. : 1007 OF 2019 IN COMPLAINT CASE NO.: 937 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

Agriculture Insurance Company Appellant Of India Ltd,. (Adv.M.R.Deshmukh) Through its Authorized Signatory, 50 FA/890 to1049/2019 Mumbai Regional Office, 20th Office, East Wing, Bombay Stock Exchange Building, Dalal Street, Fort, Mumbai 400 023.

VERSUS

1. Ramchandra Govindrao Sontakke, Respondent No.1 R/o Bhanagi, Nanded, (Adv.Mahesh Taur) Tq. And Dist. Nanded.

2. The Manager, Maharashtra Gramin Bank, Respondent No.2. Branch Vishnupuri, Nanded, (Adv.N.P.Wangikar) Tq. & Dist. Nanded.

119) FIRST APPEAL NO. : 1008 OF 2019 IN COMPLAINT CASE NO.: 937 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Shankar Ramrao More, Respondent No.1 R/o Bhanagi, Nanded, (Adv.Mahesh Taur) Tq. And Dist. Nanded.

2. The Manager, Maharashtra Gramin Bank, Respondent No.2. Branch Vishnupuri, Nanded, (Adv.N.P.Wangikar) Tq. & Dist. Nanded.

120) FIRST APPEAL NO. : 1009 OF 2019 IN COMPLAINT CASE NO.: 936 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Kondiba Babasaheb More, Respondent No.1 R/o Bhanagi, Nanded, (Adv.Mahesh Taur) Tq. And Dist. Nanded.

51 FA/890 to1049/2019

2. The Manager, Maharashtra Gramin Bank, Respondent No.2. Branch Vishnupuri, Nanded, (Adv.N.P.Wangikar) Tq. & Dist. Nanded.

121) FIRST APPEAL NO. : 1010 OF 2019 IN COMPLAINT CASE NO.: 958 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Vitthal Suresh Bhosale, Respondent No.1 R/o Waghi, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, The Nanded District Central Respondent No.2. Cooperative Bank Ltd, (Ex-parte) Branch Naleshwar, Nanded, Tq. & Dist. Nanded.

122) FIRST APPEAL NO. : 1011 OF 2019 IN COMPLAINT CASE NO.: 953 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Gopal Babarao Kadam, Respondent No.1 R/o Limbgaon, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, The Nanded District Central Respondent No.2. Cooperative Bank Ltd, (Ex-parte) Branch Limbgaon, Nanded, Tq. & Dist. Nanded.

52 FA/890 to1049/2019

123) FIRST APPEAL NO. : 1012 OF 2019 IN COMPLAINT CASE NO.: 959 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Rama Laxman Partale, Respondent No.1 R/o Waghi, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, The Nanded District Central Respondent No.2. Cooperative Bank Ltd, (Ex-parte) Branch Naleshwar, Nanded, Tq. & Dist. Nanded.

124) FIRST APPEAL NO. : 1013 OF 2019 IN COMPLAINT CASE NO.: 839 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Ramkishan Govindrao Aawarade, Respondent No.1 R/o Waghi, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, The Nanded District Central Respondent No.2. Cooperative Bank Ltd, ( Ex-parte) Branch Naleshwar, Nanded, Tq. & Dist. Nanded.

125) FIRST APPEAL NO. : 1014 OF 2019 IN COMPLAINT CASE NO.: 955 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

Agriculture Insurance Company Appellant Of India Ltd,. (Adv.M.R.Deshmukh) Through its Authorized Signatory, Mumbai Regional Office, 20th Office, 53 FA/890 to1049/2019 East Wing, Bombay Stock Exchange Building, Dalal Street, Fort, Mumbai 400 023.

VERSUS

1. Udhav Taterao Kadam, Respondent No.1 R/o Limbgaon, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, The Nanded District Central Respondent No.2. Cooperative Bank Ltd, (Ex-parte) Branch Limbgaon, Nanded, Tq. & Dist. Nanded.

126) FIRST APPEAL NO. : 1015 OF 2019 IN COMPLAINT CASE NO.: 957 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Satyajit Rameshrao Bhosale, Respondent No.1 R/o Waghi, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, The Nanded District Central Respondent No.2. Cooperative Bank Ltd, (Ex-parte) Branch Naleshwar, Nanded, Tq. & Dist. Nanded.

127) FIRST APPEAL NO. : 1016 OF 2019 IN COMPLAINT CASE NO.: 947 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Narayan Lokoji Bhosale, Respondent No.1 R/o Waghi, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

54 FA/890 to1049/2019

2. The Manager, The Nanded District Central Respondent No.2. Cooperative Bank Ltd, (Ex-parte) Branch Naleshwar, Nanded, Tq. & Dist. Nanded.

128) FIRST APPEAL NO. : 1017 OF 2019 IN COMPLAINT CASE NO.: 961 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Laxman Kishanrao Bhosale, Respondent No.1 R/o Waghi, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, The Nanded District Central Respondent No.2. Cooperative Bank Ltd, (Ex-parte) Branch Naleshwar, Nanded, Tq. & Dist. Nanded.

129) FIRST APPEAL NO. : 1018 OF 2019 IN COMPLAINT CASE NO.: 837 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Shivaji Vamanrao Bhosale, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, The Nanded District Central Respondent No.2. Cooperative Bank Ltd, (Ex-parte) Branch Naleshwar, Nanded, Tq. & Dist. Nanded.

55 FA/890 to1049/2019

130) FIRST APPEAL NO. : 1019 OF 2019 IN COMPLAINT CASE NO.: 945 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Satyashila Ashokrao Bhosale, Respondent No.1 R/o Waghi, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, The Nanded District Central Respondent No.2. Cooperative Bank Ltd, (Ex-parte) Branch Naleshwar, Nanded, Tq. & Dist. Nanded.

131) FIRST APPEAL NO. : 1020 OF 2019 IN COMPLAINT CASE NO.: 949 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Balaji Namdev Bhosale, Respondent No.1 R/o Waghi, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, The Nanded District Central Respondent No.2. Cooperative Bank Ltd, (Ex-parte) Branch Naleshwar, Nanded, Tq. & Dist. Nanded.

132) FIRST APPEAL NO. : 1021 OF 2019 IN COMPLAINT CASE NO.: 944 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

Agriculture Insurance Company Appellant Of India Ltd,. (Adv.M.R.Deshmukh) Through its Authorized Signatory, 56 FA/890 to1049/2019 Mumbai Regional Office, 20th Office, East Wing, Bombay Stock Exchange Building, Dalal Street, Fort, Mumbai 400 023.

VERSUS

1. Bhagwan Kishanrao Bhosale, Respondent No.1 R/o Waghi, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, The Nanded District Central Respondent No.2. Cooperative Bank Ltd, (Ex-parte) Branch Naleshwar, Nanded, Tq. & Dist. Nanded.

133) FIRST APPEAL NO. : 1022 OF 2019 IN COMPLAINT CASE NO.: 954 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Krushna Balaji Kale, Respondent No.1 R/o Limbgaon, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, The Nanded District Central Respondent No.2. Cooperative Bank Ltd, (Ex-parte) Branch Limbgaon, Nanded, Tq. & Dist. Nanded.

134) FIRST APPEAL NO. : 1023 OF 2019 IN COMPLAINT CASE NO.: 946 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Nagorao Namdev Bhosale, Respondent No.1 R/o Waghi, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

57 FA/890 to1049/2019

2. The Manager, The Nanded District Central Respondent No.2. Cooperative Bank Ltd, (Ex-parte) Branch Naleshwar, Nanded, Tq. & Dist. Nanded.

135) FIRST APPEAL NO. : 1024 OF 2019 IN COMPLAINT CASE NO.: 960 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Shekurao Kishanrao Bhosale, Respondent No.1 R/o Waghi, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, The Nanded District Central Respondent No.2. Cooperative Bank Ltd, (Ex-parte) Branch Naleshwar, Nanded, Tq. & Dist. Nanded.

136) FIRST APPEAL NO. : 1025 OF 2019 IN COMPLAINT CASE NO.: 943 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Subhash Munjaji Bhosale, Respondent No.1 R/o Waghi, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, The Nanded District Central Respondent No.2. Cooperative Bank Ltd, (Ex-parte) Branch Naleshwar, Nanded, Tq. & Dist. Nanded.

58 FA/890 to1049/2019

137) FIRST APPEAL NO. : 1026 OF 2019 IN COMPLAINT CASE NO.: 951 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Babarao Dhondiba Bhosale, Respondent No.1 R/o Waghi, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, The Nanded District Central Respondent No.2. Cooperative Bank Ltd, (Ex-parte) Branch Naleshwar, Nanded, Tq. & Dist. Nanded.

138) FIRST APPEAL NO. : 1027 OF 2019 IN COMPLAINT CASE NO.: 962 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Mahadu Vitthalrao Bhosale, Respondent No.1 R/o Waghi, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, The Nanded District Central Respondent No.2. Cooperative Bank Ltd, (Ex-parte) Branch Naleshwar, Nanded, Tq. & Dist. Nanded.

139) FIRST APPEAL NO. : 1028 OF 2019 IN COMPLAINT CASE NO.: 952 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Ganesh Sopanrao Bhosale, Respondent No.1 R/o Waghi, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, The Nanded District Central Respondent No.2. Cooperative Bank Ltd, (Ex-parte) Branch Naleshwar, Nanded, Tq. & Dist. Nanded.

140) FIRST APPEAL NO. : 1029 OF 2019 IN COMPLAINT CASE NO.: 710 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Ganpatrao Bhujangrao Jadhav, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, The Nanded District Central Respondent No.2. Cooperative Bank Ltd, (Ex-parte) Branch Naleshwar, Nanded, Tq. & Dist. Nanded.

141) FIRST APPEAL NO. : 1030 OF 2019 IN COMPLAINT CASE NO.: 1019 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Sambhaji Dagadu Bhosale, Respondent No.1 R/o Waghi, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, The Nanded District Central Respondent No.2.

60 FA/890 to1049/2019

Cooperative Bank Ltd, (Ex-parte) Branch Naleshwar, Nanded, Tq. & Dist. Nanded.

142) FIRST APPEAL NO. : 1031 OF 2019 IN COMPLAINT CASE NO.: 948 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1.Sheshrao Dhondiba Bhosale, Respondent No.1 R/o Waghi, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, The Nanded District Central Respondent No.2. Cooperative Bank Ltd, (Ex-parte) Branch Naleshwar, Nanded, Tq. & Dist. Nanded.

143) FIRST APPEAL NO. : 1032 OF 2019 IN COMPLAINT CASE NO.: 950 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Bhimrao Kashiram Bhosale, Respondent No.1 R/o Waghi, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, The Nanded District Central Respondent No.2. Cooperative Bank Ltd, (Ex-parte) Branch Naleshwar, Nanded, Tq. & Dist. Nanded.

144) FIRST APPEAL NO. : 1033 OF 2019 61 FA/890 to1049/2019 IN COMPLAINT CASE NO.: 956 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Champalal Sangram Pomde, Respondent No.1 R/o Waghi, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, The Nanded District Central Respondent No.2. Cooperative Bank Ltd, (Ex-parte) Branch Naleshwar, Nanded, Tq. & Dist. Nanded.

145) FIRST APPEAL NO. : 1034 OF 2019 IN COMPLAINT CASE NO.: 935 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Baburao Digambar More, Respondent No.1 R/o Bhanagi, Nanded, (Adv.Mahesh Taur) Tq. And Dist. Nanded.

2. The Manager, Maharashtra Gramin Bank Respondent No.2. Branch Vishnupuri, (Ex-parte) Nanded, Tq. & Dist. Nanded.

146) FIRST APPEAL NO. : 1035 OF 2019 IN COMPLAINT CASE NO.: 546 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Vaijantabai Raosaheb Wagh, Respondent No.1 R/o Naleshwar, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Maharashtra Gramin Bank, Respondent No.2. Branch Vazirabad, Nanded, Ex-parte) Tq. & Dist. Nanded.

147) FIRST APPEAL NO. : 1036 OF 2019 IN COMPLAINT CASE NO.: 842 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Sambhaji Ganpati Bokare, Respondent No.1 R/o Someshwar, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Maharashtra Gramin Bank Respondent No.2. Branch Limbgaon, Nanded (Ex-parte) Tq. & Dist. Nanded.

148) FIRST APPEAL NO. : 1037 OF 2019 IN COMPLAINT CASE NO.: 877 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Pandurang Keshavrao Korke, Respondent No.1 R/o Pimpalgaon (Korka), Nanded, (Adv.Mahesh Taur) Tq. And Dist. Nanded.

2. The Manager, The Nanded District Central Respondent No.2.

63 FA/890 to1049/2019

Cooperative Bank Ltd, (Ex-parte) Branch Naleshwar, Nanded, Tq. & Dist. Nanded.

149) FIRST APPEAL NO. : 1038 OF 2019 IN COMPLAINT CASE NO.:695 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Parvatibai Vikram Labade, Respondent No.1 R/o Dhoki(Naleshwar), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, The Nanded District Central Respondent No.2. Cooperative Bank Ltd, (Ex-parte) Branch Naleshwar, Nanded, Tq. & Dist. Nanded.

150) FIRST APPEAL NO. : 1039 OF 2019 IN COMPLAINT CASE NO.: 570 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Shobhabai Achyutrao Dukare, Respondent No.1 R/o Pimpalgaon (Korka), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, The Nanded District Central Respondent No.2. Cooperative Bank Ltd, (Ex-parte) Branch Naleshwar, Nanded, Tq. & Dist. Nanded.

151) FIRST APPEAL NO. : 1040 OF 2019 IN COMPLAINT CASE NO.: 835 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

64 FA/890 to1049/2019

VERSUS

1.Parvatibai Kondibarao Jadhav, Respondent No.1 R/o Pimpalgaon(Koraka), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, The Nanded District Central Respondent No.2. Cooperative Bank Ltd, (Ex-parte) Branch Naleshwar, Nanded, Tq. & Dist. Nanded.

152) FIRST APPEAL NO. : 1041 OF 2019 IN COMPLAINT CASE NO.: 931 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Narayan Madhavrao Bokare, Respondent No.1 R/o Someshwar, Nanded, (Adv.Mahesh Taur) Tq. And Dist. Nanded.

2. The Manager, Respondent No.2. State Bank of Hyderabad(India) (Ex-parte) Branch A.D.B. Tarasing Market,Nanded. Tq. & Dist. Nanded.

153) FIRST APPEAL NO. : 1042 OF 2019 IN COMPLAINT CASE NO.: 540 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Ram Sanjay Dukare, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, The Nanded District Central Respondent No.2. Cooperative Bank Ltd, (Ex-parte) Branch Naleshwar, Nanded, Tq. & Dist. Nanded.

154) FIRST APPEAL NO. : 1043 OF 2019 IN COMPLAINT CASE NO.: 588 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Gangadhar Umaji Patil(Korke), Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, State Bank of India, Respondent No.2. Branch A.D.B., Tarasing Market, (Ex-parte) Nanded, Tq. & Dist. Nanded.

155) FIRST APPEAL NO. : 1044 OF 2019 IN COMPLAINT CASE NO.: 702 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Tukaram Govindrao Bhosale, Respondent No.1 R/o Naleshwar, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Union Bank of India, Respondent No.2. Branch Tarasing Market, Nanded. (Adv.U.N.Shete) Tq. & Dist. Nanded.

66 FA/890 to1049/2019

156) FIRST APPEAL NO. : 1045 OF 2019 IN COMPLAINT CASE NO.: 848 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Prabhu Sambhaji Bokare, Respondent No.1 R/o Someshwar, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Maharashtra Gramin Bank, Respondent No.2. Branch Limbgaon, Nanded, (Adv.N.P.Wangikar) Tq. & Dist. Nanded.

157) FIRST APPEAL NO. : 1046 OF 2019 IN COMPLAINT CASE NO.: 852 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Ganesh Sambhaji Bokare, Respondent No.1 R/o Someshwar, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Respondent No.2. Maharashtra Gramin Bank, (Adv.N.P.Wangikar) Branch Limbgaon, Nanded, Tq. & Dist. Nanded.

158) FIRST APPEAL NO. : 1047 OF 2019 IN COMPLAINT CASE NO.: 847 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Prabhu Sambhaji Bokare, Respondent No.1 R/o Dhoki, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Maharashtra Gramin Bank Respondent No.2. Branch Limbgaon, Nanded, (Adv.N.P.Wangikar) Tq. & Dist. Nanded.

159) FIRST APPEAL NO. : 1048 OF 2019 IN COMPLAINT CASE NO.: 576 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Anusaya Shrirang Niwadange, Respondent No.1 R/o Pimpalgaon(Korka), Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, The Nanded District Central Respondent No.2. Cooperative Bank Ltd, (Ex-parte) Branch Naleshwar, Nanded, Tq. & Dist. Nanded.

160) FIRST APPEAL NO. : 1049 OF 2019 IN COMPLAINT CASE NO.: 939 OF 2018 DISTRICT CONSUMER COMMISSION : NANDED.

VERSUS

1. Ramchandra Govindrao Sontakke, Respondent No.1 R/o Bhanagi, Nanded, (Adv.A.G.Vasmatkar) Tq. And Dist. Nanded.

2. The Manager, Maharashtra Gramin Bank, Respondent No.2.

68 FA/890 to1049/2019

Branch Vishnupuri, Nanded, (Adv.N.P.Wangikar) Tq. & Dist. Nanded.

CORAM : Milind S.Sonawane, Hon'ble Presiding Member.

Nagesh C.Kumbre, Hon'ble Member.

JUDGMENT (Delivered on 24/12/2025) Per Nagesh C.Kumbre, Hon'ble Member.

These are the appeals challenging the correctness and legality of the judgments and orders passed by the learned District Consumer Disputes Redressal Commission, Nanded ( the 'District Commission' for short) in various Consumer Complaints as indicated in the title clause of the judgment. Since the facts and issues involved in all these appeals are identical and the parties too are similar, we are disposing of them by way of this common judgment.

2. All these appeal are pertaining to Weather Based Crop Insurance Scheme, 2015-16 (the 'WBCIS' for short). The appellant in all cases is Agriculture Insurance Company of India Ltd, ('Insurance Company' for short), which was 'original opponent no.1', whereas respondent no.1 were the 'original complainants' and respondent no.2, which are the banks of the complainants, were 'original opponent no.2'. We are convenentely referring them all as to their 'original status' as parties, before the District Commission.

3. As per WBCIS the complainants in Agriculture Season 2015-2016 took the crop insurance for their 'banana' crops from opponent no.1 through their respective banks, which are opponent no.2. Under the scheme taking of crop insurance for the 'loanee' farmers was mandatory. As all the complainants were the loanee farmers they were mandatorily required to take the crop insurance through opponent no.2. The particulars of the name of the complainants, Consumer Case number, appeal number, size of insured land, are given in the following table.

                                            69             FA/890 to1049/2019

Sr.     Name      of    the Appeal        C.C.No.             Cro     Size     Premi
No.     complainant/           No.        (filed     in       p       of       um
        farmer.                           District                    insu     paid
                                          Commissi                    red      in Rs.
                                          o)                          land.
    1             2                  4          3                 6        7     8
1       Dnyaneshwar            890/2019   849/2018         Banana     40 R.    2664
        Digambar Chapat.
2       Digambar      Dinaji   891/2019   851/2018         Banana     35 R     1197
        Chapat.
3       Ramrao Vyankati        892/2019   845/2018         Banana     40 R     2664
        Chapat.
4       Mahadu       Mugaji    893/2019   846/2018         Banana     80 R     5328
        Bhosale.
5       Nitin   Prakashrao     894/2019   708/2018         Banana     80 R     5328
        Dakhore.
6       Sanjay                 895/2019   700/2018         Banana     80 R     5328
        Hanumantrao
        Dakhore.
7       Prakash     Munjaji    896/2019   704/2018         Banana     50 R     3330
        Dakhore.
8       Vikram       Satwaji   897/2019   707/2018         Banana     60 R     2394
        Labade.
9       Daivashlam             898/2019   698/2018         Banana     50 R     3330
        Prakashrao
        Dakhore.
10      Vikramrao Satvaji      899/2019   696/2018         Banana     60 R     3996
        Labade.
11      Govind Vikramrao       900/2019   697/2018         Banana     60 R     3994
        Labade.
12      Rahul Prakashrao       901/2019   699/2018         Banana     80 R     5328
        Dakhore.
13      Vimalbai Panditrao     902/2019   693/2018         Banana     1 H.     6660
        Labade.
14      Kalba       Laxman     903/2019   692/2018         Banana     1 H.     6660
        Dukare (dead)
        Sanjay        Kalba
        Dukare (LR)
15      Ramrao Sambhaji        904/2019   582/2018         Banana     40 R     2664
        Kshirsagar.
16      Madhavrao              905/2019   691/2018         Banana     40 R.    2664
        Mukinda
        Kshirsagar.
17      Hariram Marotrao       906/2019   573/2018         Banana     40 R     2664
        Kshirsagar.
18      Savita      Nagesh     907/2019   689/2018         Banana     1H       6660
        Badawane.
19      Sanjay Madhavrao       908/2019   584/2018         Banana     80 R.    5328
        Kshirsagar.
20      Kailash Shivajirao     909/2019   581/2018         Banana     80 R     5328
        Kshirsagar.
21      Madhavrao              910/2019   684/2018         Banana     1 H.     6660
        Kishanrao
        Kshirsagar.
22      Narbaji Sambhaji       911/2019   685/2018         Banana     40 R     2664
        Dukare.
23      Kishan     Kondiba     912/2019   577/2018         Banana     40 R     2664
                                        70        FA/890 to1049/2019

     Nivdange.
24   Vishwambhar           913/2019   571/2018    Banana    60 R.     3996
     Kishanrao
     Kshirsagar.
25   Datta Vyankatrao      914/2019   690/2018    Banana    1 H.      6660
     Badawane.
26   Balaji  Kishanrao     915/2019   583/2018    Banana    20 R      1332
     Kandhare.
27   Trembak     Taterao   916/2019   579/2018    Banana    80 R      5328
     Kshirsagar.
28   Narhari    Narayan    917/2019   578/2018    Banana    80 R      5328
     Kshirsagar.
29   Kishanrao             918/2019   686/2018    Banana    50 R      3330
     Hanumantrao
     Labade.
30   Vimalbai Shankar      919/2019   913/2018    Banana    50 R      3330
     Nivdange.
31   Govindrao             920/2019   688/2018    Banana    40 R      2664
     Narayanrao
     Kshirsagar.
32   Shriniwas Marotro     921/2019   580/2018    Banana    40 R      2664
     Kshirsagar.
33   Dyanoba       Umaji   922/2019   914/2018    Banana    2H        13320
     Badawane.
34   Bhagwan Apparao       923/2019   687/2018    Banana    80 R      5328
     Wagh (dead)
     Sheshrao Bhagwan
     Wagh (LR)
35   Tulshiram Govinda     924/2019   572/2018    Banana    40 R      2664
     Kshirsagar.
36   Shushilabai           925/2019   895/2018    Banana    1 H.      6660
     Sopanrao Patil.
37   Prakash Sopanrao      926/2019   896/2018    Banana    1 H.      6660
     Patil.
38   Shardabai Dadaro      927/2019   932/2018    Banana    80 R.     5328
     Savadkar.
39   Rukminbai             928/2019   925/2018    Banana    1 H.      6660
     Gopinath Bokare.
40   Akash Gopinath @      929/2019   927/2018    Banana    3 H.      19,980
     Sambhaji Bokare .
41   Sudhakar              930/2019   926/2018    Banana    1 H.      9324
     Gopinath Bokare.                                       81 R
42   Ram       Sambhaji    931/2019   930/2018    Banana    1 H.      6660
     Bokare.
43   Chhya Dipak Patil.    932/2019   883/2018    Banana    1 H.      6660
44   Gopinath Kondiba      933/2019   924/2018    Banana    2 H       16990
     Bokare.                                                50 R
45   Sanjanabai            934/2019   880/2018    Banana    80 R.     5328
     Sadashiv Korake.
46   Ananda      Pralhad   935/2019   933/2018    Banana    20 R      1332
     Dukare.
47   Gendaji Govindrao     936/2019   938/2018    Banana    40 R.     2664
     Sontakke.
48   Sambhaji              937/2019   928/2018    Banana    60 R.     3996
     Ganpatrao Bokare.
49   Kamalbai              938/2019   929/2018    Banana    1 H.      6660
     Sambhaji Bokare.
50   Laxmanrao Umaji       939/2019   893/2018    Banana    1 H.      6660
     Patil.
51   Govindrao             940/2019   882/2018    Banana    60 R      3996
     Keshavrao Korke.
52   Vyankatrao Umaji      941/2019   887/2018    Banana    1 H.      6660
                                         71        FA/890 to1049/2019

     Patil.
53   Gulabrao Keshvrao      942/2019   886/2018    Banana    1 H.      6660
     Korke.
54   Shweta     Prakash     943/2019   884/2018    Banana    60 R      3996
     Patil.
55   Sumitrabai             944/2019   889/2018    Banana    50 R      3330
     Ramrao Patil.
56   Suryabhan              945/2019   892/2018    Banana    50 R      3330
     Devidasrao Patil.
57   Pandhari Laxman        946/2019   894/2018    Banana    1 H.      6660
     Patil.
58   Ramrao        Umaji    947/2019   888/2018    Banana     50       3330
     Patil.                                                  R.
59   Vilas Rangnathrao      948/2019   879/2018    Banana    70 R      4662
     Korke.
60   Chandrabhan            949/2019   891/2018    Banana    50 R      3330
     Devidasrao Patil.
61   Devidasrao Umaji       950/2019   890/2018    Banana    50 R      3330
     Patil.
62   Ramesh     Rangrao     951/2019   878/2018    Banana    60 R      3996
     Korke.
63   Kalidas Uttamrao       952/2019   881/2018    Banana    1H        6660
     Korke.
64   Anant    Vitthalrao    953/2019   560/2018    Banana    80 R      5328
     Kshirsagar.
65   Nrusinh Govindrao      954/2019   563/2018    Banana    80 R      5328
     Kshirsagar.
66   Ganesh Digambar        955/2019   595/2018    Banana    60 R      3996
     Kshirsagar.
67   Shivdas Marotrao       956/2019   587/2018    Banana    1H        6660
     Kshirsagar.
68   Vitthal                957/2019   590/2018    Banana    80 R      5328
     Dnyaneshwar
     Dukare.
69   Yadavrao     Maroti    958/2019   555/2018    Banana    40 R      2664
     Korke.
70   Ratan      Kondiba     959/2019   557/2018    Banana    40 R      2664
     Kshirsagar.
71   Datta       Ukanda     960/2019   586/2018    Banana    1H        6660
     Suryawanshi.
72   Vyankati     Maruti    961/2019   597/2018    Banana    40 R      2664
     Jadhav.
73   Chandu       Maroti    962/2019   541/2018    Banana    40 R      2664
     Kshirsagar.
74   Yashodabai             963/2019   591/2018    Banana    1H        6660
     Yadavrao Korke.
75   Rangnath Kondiba       964/2019   596/2018    Banana    40 R.     2664
     Kshirsagar.
76   Bapurao Vitthalrao     965/2019   567/2018    Banana    40 R      2664
     Kshirsagar.
77   Uttam    Vitthalrao    966/2019   547/2018    Banana    70 R      4662
     Kshirsagar.
78   Hari    Shankarrao     967/2019   559/2018    Banana    35 R      2331
     Kshirsagar.
79   Laxman        Hariji   968/2019   566/2018    Banana    60 R      3996
     Wagh.
80   Pundlik     Ganpati    969/2019   592/2018    Banana    40 R      2664
     Kshirsagar.
81   Balaji   Vitthalrao    970/2019   589/2018    Banana    60 R      3996
     Dukare.
82   Eknath                 971/2019   564/2018    Banana    80 R      5328
     Narayanrao
                                            72        FA/890 to1049/2019

      Kshirsagar.
83    Apparao Shivajirao      972/2019    549/2018    Banana    1H        6660
      Kshirsagar.
84    Shriram      Shivaji    973/2019    551/2018    Banana    60 R      3990
      Badawane.
85    Devidas Vitthalrao      974/2019    543/2018    Banana    80 R.     5328
      Kshirsagar.
86    Sitaram     Vithoba     975/2019    593/2018    Banana    50 R      3330
      Bhosale.
87    Govinda       Balaji    976/2019    561/2018    Banana    80 R      5328
      Kshirsagar.
88    Govind Narayanrao       977/2019    585/2018    Banana    80 R      5328
      Kshirsagar.
89    Gangabai                978/2019    553/2018    Banana    1H        6660
      Pundalikrao Wagh.
90    Gangadhar Ratan         979/2019    556/2018    Banana    60 R      3996
      Kshirsagar.
91    Pandurang               980/2019    565/2018    Banana    80 R      5328
      Bhagwanrao
      Kshirsagar.
92    Pralhad        Piraji   981/2019    599/2018    Banana    60 R      3996
      Dukare.
93    Tirupati   Nanarao      982/2019    568/2018    Banana    50 R      2664
      Kshirsagar.
94    Rajendra Raosaheb       983/2019    558/2018    Banana    1 H.      6660
      Pawar.
95    Pandurang               984/2019    562/2018    Banana    80 R      5328
      Veankatrao
      Kshirsagar.
96    Chandu      Kishan      985/2019    548/2018    Banana    40 R      2664
      Kshirsagar.
97    Ramchandra              986/2019    598/2018    Banana    40 R      2664
      Narayan
      Kshirsagar.
98    Devidas Tukaram         987/2019    542/2018    Banana    40 R      2664
      Kshirsagar.
99    Gangaram Namdev         988/2019    569/2018    Banana    40 R      2664
      Kshirsagar.
100   Vishwambhar             989/2019    544/2018    Banana    40 R      2664
      Naganrao Bhosale.
101   Prakash        Piraji   990/2019    545/2018    Banana    30 R      1998
      Kshirsagar.
102   Parasram                991/2019    594/2018    Banana    40 R      2664
      Dhondiba
      Kshirsagar.
103   Parvatibai Raghoji      992/2019    910/2018    Banana    1H        6660
      Wagh.
104   Karuna Govindrao        993/2019    909/2018    Banana    95 R      6384
      Wagh.
105   Sanjay      Raghoji     994/2019    908/2018    Banana     1H       6660
      Wagh.
106   Raghoji Kishanrao       995/2019    907/2018    Banana    1H        6660
      Wagh.
107   Balaji    Naganrao      996/2019    554/2018    Banana    80 R      5328
      Landage.
108   Balaji     Babarao      997/2019    575/2018    Banana    1H        6660
      Wagh.
109   Pratibha      Balaji    998/2019    574/2018    Banana    1H        6660
      Wagh.
110   Raosaheb                999/2019    550/2018    Banana    1H        6660
      Eknathrao Wagh.
111   Govindrao Babarao       1000/2019   552/2018    Banana    1H        6660
                                           73        FA/890 to1049/2019

      Wagh.
112   Laxmibai               1001/2019   703/2018    Banana    60 R      3996
      Govindrao
      Bhosale.
113   Kishan Govindrao       1002/2019   706/2018    Banana    40 R      2664
      Bhosale.
114   Govindrao              1003/2019   709/2018    Banana    1 H.      6660
      Hanumantrao
      Bhosale.
115   Vishweshwar            1004/2019   683/2018    Banana    60 R      3996
      Balaji Kshirsagar.
116   Shivaji Gangaram       1005/2019   694/2018    Banana    40 R      2664
      Kshirsagar.
117   Ramrao     Bhaurao     1006/2019   940/2018    Banana    1H.       7992
      More.                                                    20R
118   Ramchandra             1007/2019   939/2018    Banana    40 R      2664
      Govindrao
      Sontakke.
119   Shankar     Ramrao     1008/2019   937/2018    Banana    1 H.      7992
      More.                                                    20R
120   Kondiba                1009/2019   936/2018    Banana    1 H.      9324
      Babasaheb More.                                           40 R
121   Vitthal      Suresh    1010/2019   958/2018    Banana    60 R      3990
      Bhosale.
122   Gopal      Babarao     1011/2019   953/2018    Banana    40 R      2664
      Kadam.
123   Rama        Laxman     1012/2019   959/2018    Banana    40 R      2664
      Partale.
124   Ramkishan              1013/2019   839/2018    Banana    1H        6660
      Govindrao
      Aawarde.
125   Uddhav      Taterao    1014/2019   955/2018    Banana    40 R      2664
      Kadam.
126   Sattejit Rameshrao     1015/2019   957/2018    Banana    50 R      3330
      Bhosale.
127   Narayan       Lokoji   1016/2019   947/2018    Banana    80 R      5328
      Bhosale.
128   Laxman Kisanrao        1017/2019   961/2018    Banana    40 R      2664
      Bhosale.
129   Shivaji Wamanrao       1018/2019   837/2018    Banana    1H        6660
      Badawane.
130   Satteshila             1019/2019   945/2018    Banana    60 R      3990
      Ashokrao Bhosale.
131   Balaji      Namdeo     1020/2019   989/2018    Banana    38 R      2664
      Bhosale.
132   Bhagwan                1021/2019   944/2018    Banana    50 R      3330
      Kishanrao Bhosale.
133   Krushna       Balaji   1022/2019   954/2018    Banana    1H        6660
      Kale.
134   Nagorao     Namdeo     1023/2019   946/2018    Banana    40 R      2664
      Bhosale.
135   Shekurao Kisanrao      1024/2019   960/2018    Banana    40 R      2664
      Bhosale.
136   Subhash Munjaji        1025/2019   943/2018    Banana    40 R      2664
      Bhosale.
137   Babarao Dhondiba       1026/2019   951/2018    Banana    40 R      2664
      Bhosale.
138   Mahadu Vitthalrao      1027/2019   962/2018    Banana    30 R      1998
      Bhosale.
139   Ganesh Sopanrao        1028/2019   952/2018    Banana    40 R      2664
      Bhosale.
140   Ganpatrao              1029/2019   710/2018    Banana    25 R      1665
                                          74         FA/890 to1049/2019

      Bhujangrao
      Jadhav.
141   Sambhaji Dagadu       1030/2019   1019/2018    Banana    20 R      1332
      Bhosale.
142   Sheshrao              1031/2019   948/2018     Banana    20 R      1332
      Dhondiba Bhosale.
143   Bhimrao Kashiram      1032/2019   950/2018     Banana    40 R      2664
      Bhosale.
144   Champabai             1033/2019   956/2018     Banana    1 H,      7992
      Sangram Pomde.                                           20 R.
145   Baburo Degambar       1034/2019   935/2018     Banana    2H        13320
      More.
146   Vaijantabai           1035/2019   546/2018     Banana    1H        6660
      Raosaheb Wagh.
147   Sambhaji Ganpati      1036/2019   842/2018     Banana    82 R      3833
      Bokare.
148   Pandurang             1037/2019   877/2018     Banana    50 R      3330
      Keshvrao Porke.
140   Parvatibai Vikram     1038/2019   695/2018     Banana    60 R      3996
      Labade.
150   Shobabai              1039/2019   570/2018     Banana    80 R      5328
      Achyutrao Dukare.
151   Parvatibai Kondiba    1040/2019   835/2018     Banana    80 R      5328
      Jadhav.
152   Narayan               1041/2019   931/2018     Banana    80 R      5350
      Madhavrao
      Bokare.
153   Ram          Sanjay   1042/2019   540/2018     Banana    1H        6660
      Dukare.
154   Gangadhar Umaji       1043/2019   588/2018     Banana    1H        6660
      Patil (Korake)
155   Tukaram               1044/2019   702/2018     Banana    1H        6660
      Govindrao
      Bhosale.
156   Prabhu Sambhaji       1045/2019   847/2018     Banana    1H        6660
      Bokare.
157   Ganesh Sambhaji       1046/2019   852/2018     Banana    1H        6660
      Bokare.
158   Prabhu Sambhaji       1047/2019   847/2018     Banana    1H        7765
      Bokare.                                                  15 R
159   Anusaya Shrirang      1048/2019   576/2018     Banana    40 R      2664
      Niwadange.
160   Ramchandra            1049/2019   939/2018     Banana    40 R      2664
      Govindrao
      Sontakke.

4. Under WBCIS, 2015-2016 different weather triggers /insured events for the insured crop in insured unit have been notified by the Government. Those triggers / insured events are as follows.

1) Low Temperature :

If in the insured unit from 01.12.2015 to 29.02.2016 the temperature is recorded below 8 degree celcius for 3 consecutive days, the insured farmer would be entitle for the compensation of Rs. 25,000/- per hector.

75 FA/890 to1049/2019

2) High Temperature :

A) If in the insured unit from 01.03.2016 to 31.05.2016, in the month of March, for 3 consecutive days, the temperature is above 40.50 degree celcius, or in the month of April and May the same is recorded above 44 degree celcius, for same number of consecutive days, the insured farmer would be entitle to get a compensation of Rs. 10,000/-.

B) If in the insured unit during the same period mentioned above, in the month of March, in the insured unit the temperature is recorded above 40.5 degree celcius for 4 consucutive days, or in April and May above 44 degree celcius, for same number of consecutive days, the compensation payable would be Rs.15,000/-.

C) If in the insured unit during the same period as above, in the month of March, the temperature is recorded more than 40.5 degree celcius for 5 consecutive days , or in April and May above 44 degree celcius, for same number of consecutive days, the compensation payable would be Rs.25,000/-.

3) High Wind Flow:

If in the insured unit from 1.3.2016 to 31.7.2016 the wind flow for any of the days is above 40 km/hour the insured farmer will receive compensation maximum (caping) up to Rs.50,000/-. So as to claim the above compensation the first condition was that, there shall be entry of such high wind flow in the Automatic Weather Station ('AWS' for short) and the second condition was that, the insured farmer must intimate the said fact to opponent no.1 within 48 hours. On the intimation, panchanama would be prepared and on the basis of the same, compensation commensurate to actual damage, subject to the caping level of Rs.50,000/-, would be payable.

76 FA/890 to1049/2019

5. It was the case of the complainants before the District Commission that, since they were the loanee farmers, were required to take the crop insurance mandatorily for their 'banana' crops for the Agriculture Season 2015-2016. The insurance cover was given by opponent no.1 from 1.12.2015 to 31.7.2016. The cover was available as against the low and high temperatures, high speed wind, hailstorm. So as to measure the temperature as well as the high speed wind, opponent no.1 was to install AWS. Opponent no.1 installed it but not followed the norms of its installation. It was installed merely at 5 to 6 meters height from the ground level, when as per norms it was to be installed atleast at 10 meters height. It is found to be installed on the tereace of one house. As a result of it, AWS unable to record the accurate temperatures and high speed wind. During the period of 01.12.2015 to 29.2.2016 the temperature remained less than 8 degree celcius for 3 consecutive days and in the period 1.3.2016 to 31.5.2016 the temperature remained more than 40.5 degree celcius for 3 consecutive days, in May 2016 the temperatutre recorded above 44 degree celcius, but these temperatures were not properly recorded by AWS. Similarly, during the period of 1.3.2016 to 31.7.2016 the wind flow was above 40 km/hour but the same was also not properly recorded by AWS. During the period of 1.1.2016 to 30.4.2016 there had been hailstorms on many occasions, but there is no record of the same in AWS. With regard to the damage due to high speed wind and hailstorms the complainants informed them to Circle and Agriculture Officer. Though, the above all insured events happened in the insured unit of the complainants, opponent no.1 not granted them the agreed compensation as per scheme. It is therefore, they filed above referred Consumer Complaints before the District Commissions, in which the impugned judgments have been passed.

6. Opponent no.1 contested the claim of the complainants by filing its written version before the District Commission. It is contended by them that, none of the insured event has been recorded in AWS and therefore, the complainants are not entitle to get any insurance claim under the scheme. The compensation payable under the scheme was strictly in accordance with the data of low and high temperatures and that too, for 3, 77 FA/890 to1049/2019 4 or 5 consecutive days, as the case may be. There is no record in AWS which shows that, during the relevant period the temperatures were below 8 degree celcius and above 40.50 and 44 degree celcius. With regard to the high speed wind and hailstrom the scheme provides that, the insured farmer to intimate the incident within 48 hours of the occurance, so that a panchanama of the farm of individual farmer could be prepared and compensation as per the actual damage can be paid, subject to the caping amount. The complainants have not given such intimation. Hence, they are not entitled to claim any compensation under the scheme. The complainants have unnecessarily filed the Consumer Complaints and there is no deficiency in service caused to them.

7. Opponent no. 2 also appeared before the District Commission and resisted the claim of the complainants on the ground that, they played no role in assessing the loss and fixing the quantum of the compensation to the complainants. Their role is just to collect the appropriate premium and after the passing of the claim by opponent no.1, disburse that amount to the complainants. They have played that role accordingly. There is no deficiency in service caused to the complainants from them.

8. The District Commission after going through the guidelines of WBCIS and on evaluating the evidence produced before it by both the parties held that, there is deficiency in service to the complainants by opponent no.1. The District Commission observed that, AWS was required to record the triggers /insured events has been installed on the slab of one house. The photographs produced by the complainants establishes that fact. The certificate of the Engineer also proved it. The AWS has not been installed as per norms of the IMD, though it was obligatory in the scheme. The 'star question' was asked in the State Legislature of Maharashtra about such installation and the inquiry was lodged. The report of the same shows that the AWS has not been kept properly functional. Because of such faulty AWS the triggers /insured events have not been recorded. The District Commission even after that finding, relied upon the data of National Collateral Management System Ltd,. ('NCMSL' for short), which has been appointed (as per scheme) by opponent no.1. Therein, on 25.3.2016, 78 FA/890 to1049/2019 26.3.2016, 27.3.2016 temperatures of 40.1, 41.30, 40.70 degree celcius respectively have been recorded. The average /mean of these figures comes to be 40.7 degree celcius, which is higher than the 'trigger temperature' of 40.50 degree celcius. Therefore, the District Commission held the complainants to be entitle to a compensation of Rs.9,450/- per hector on account of high temperature. The District Commission also observed that, as per NCMSL data during the priod of 1 March, 2016 to 31 July, 2016 and more particularly on 5.5.2016 the speed of the wind was recorded at 40.3 km/hr. It is therefore, the complainants are also entitle to a compensation of Rs.47,250/- her hector. According to the District Commission, since the data of AWS regarding the high speed wind is within the knowledge of opponent no.1 only, and the same is not published by opponent no.1, it is not possible for the complainants to know that, whether the trigger has been hit or not and thereupon intimate it to opponent no.1. The District Commission, however not found the claims of the complainants as to the hailstorms to be acceptable during the period of 1 January, 2016 to 30 April, 2016 in any of the Revenue Circle including Limbgaon (insured unit of the complainants). There is no evidence produced by the complainants regarding the same beore it. Therefore, the District Commission granted compensation of Rs.47,250/- for high speed wind plus Rs.9,450/- for high temperature totalling Rs.56,700/- per hector to each of the complainants. The District Commission also granted Rs.2,000/- for mental and physical harassment and Rs.1,000/- as the cost of the proceedings to each of the complainants. It is against this order opponent no.1 filed the above mentioned appeals.

9. We heard all learned counsels Adv.A.G.Vasmatkar for the complainants, Adv.Mahesh Taur for complainants in certain cases as indicated in the title clause. Adv.M.R. Deshmukh for opponent no.1 in all cases. Adv. Nitin Wangikar for opponent no.2 (Maharashtra Gamin Bank). Adv.U.N.Shete for opponent no.2 (Union Bank of India).

10. Adv.Deshmukh for opponent no.1 faulted the impugned judgments and argued that all these appeals are based on the provisions of Governement Resolution dated 3.12.2015 of Governement of Maharashtra 79 FA/890 to1049/2019 and Modified National Agricultural Insurance Scheme. As per the scheme opponent no.2 was under a duty to collect premiums from every participating farmer and sent that data to opponent no.1. Though there were several communications made to opponent no.2 to provide the insurance details of farmers, no response was given. He reiterated the stipulations as to WBCIS about the triggers / insured events as has been discussed in para no.4 of this judgment and argued that none of the insured events has happened in the insured unit of the complainants. The District Commission ignored these vitle fact. It is his further argument that, the District Commission committed an error in imposing the liability for the trigger of high temperature in the month of March. While imposing said liability a methodology adopted by the District Commission is not prescribed in the scheme. The scheme provided that, for 3 consecutive days the temperature should have been above 40.50 degree celcius. The District Commission choose the 3 dates from the data and applied formula of drawing 'mean temperature' of those days, which is 40.70 degree celcius. The scheme is based on the agreement entered into by State Government with opponent no.1. The settled principle of law says that, the terms of contract are to be read and interpreted qua-contract.

11. In relation to the high speed wind, it is his submission that, the Government Resolution dated 22.1.2016 provided the detailed procedure to be adopted for conducting panchanama. As per that Resolution merely because there is an entry of high wind flow recorded at AWS, the insured does not become eligible to an insurance claim. He has to intimate it within 48 hours to opponent no.1 in writing for conducting panchanma for assessment of actual loss.

12. Thus, on the strength of the above submissions, it is argued by Adv.Deshmukh for opponent no.1 that, the District Commission grossly ignored all these important facts and fell into error in holding opponent no.1 liable in a manner referred to above. He relied on the following judgments to demonstrate that the stipulations / guidelines of WBCIS shall be interpreted in letters and spirit, in strict manner and the divergence from them is not permissible.

80 FA/890 to1049/2019

1) The Osmanabad District Central Co-operative Bank Ltd,. Vs. State of Maharashtra W.P.No. 2478/1992, decided on 4.4.2005 by Hon'ble High Court of Bombay, Bench at Aurangabad.

2) Libaraj Tulshiram Tikle Vs. State of Maharashra and others W.P.No. 1668/2005, decided on 15.01.2015 by Hon'ble High Court of Bombay, Bench at Aurangabad.

3) Agriculture Insurance Company of India Ltd,. Vs. Badri Singh Bisth and another, RP No. 1654/2016, Hon'ble NCDRC decided on 24.10.2016.

4) Ajit Singh Malubhai Ghummad Vs. Union of India Civil Appeal No.6040-6041/2011 decided by Hon'ble Supreme Court, on 11.8.2021.

5) FA No. 580 to 597/2018 SCDRC, Maharashtra, Bench at Aurangabad decided on 18.2.2022.

6) Large Size Multipurpose Co-operative Ltd,. Vs. Union of India and others W.P. No. 973/2004, Hon'ble High Court of Bombay, Bench at Aurangabad decided on 2.12.2010.

7) Agriculture Insurance Company of India Vs. Yashwant Kumar and Others RP No. 985/2019 Hon'ble NCDRC, decided on 14.1.2020.

8) Vividh Karyakari Seva Sahakari Society Ltd,. Vs. Union of India and Others W.P.No. 2353/2003 Hon'ble High Court of Bombay, Bench at Aurangabad, decided on 1.2.2017.

13. Adv. Vasmatkar for the complainants countered the above submissions. It is his argument that, there is no error committed by the District Commission in the impugned judgments to held that, the triggers/insured events as to high temperatures and that of high speed 81 FA/890 to1049/2019 wind gets operated on the given dates, eventhough not on all 3 consecutive days, but on average/mean basis. The divergence of District commission from the stipulations or guidelines of the scheme in the impugned judgment is totally justified on account of the faulty AWS. As per the guidelines of the scheme, the AWS shall be installed in accordance with the norms given by the Indian Meteorology Department (IMD), which says that, the tower of AWS shall be at the height of 10 meters from ground level. There shall not be trees or any building greater in height than that of the AWS tower. The sensors shall be properly installed and shall sustain in all weather conditions. The design of the AWS shall be such that, it shall record the relevant data in truely representative manner, within the radius of 25 km of such tower etc. Opponent no.1 not ensured these, IMD guidelines at the time of installation of AWS. The evidence of the improper installation of AWS has been given by the complainants before the District Commission. The same has rightly been relied upon by it. There is no error in the impugned judgments and it does not requires any interference. According to him all the triggers as to low and high temperature, high speed wind and hailstorm have been operated. But the District Commission not considered the triggers as to 'low' temperature and 'hailstorm'. The District Commission ought to have granted the caping insurance amount of Rs.1,33,000/- for all the triggers as per scheme.

14. It is also pointed out by Adv. Vasamatkar that, the rulings cited and relied upon by opponent no.1 cannot be applied to the present cases, as the facts in those rulings are different, especially when in none of those rulings there was the issue of faulty AWS as it is there in the present matters. In the present cases, all the complainants have raised that issue before the District Commission. Infact the entire complaint of the complainants is based on the said issue alone. This issue has also been raised by the insured farmers including the complainants through their elected representative of the State Legislature in the Maharashtra State Assembly. The assembly directed an enquiry into the matter. In that enquiry, it was found that, the AWS have not ben installed as per the norms/guidelines of the IMD and were faulty in nature. Adv.Mahesh Taur 82 FA/890 to1049/2019 for the complainants in certain cases as mentioned above re-iterated the above arguments and submissions of Adv. A.G.Vasmatkar.

15. Thus, it can be seen from the above submissions that, the main issue in all cases is as to the imperfectness and faulty installation of AWS. The divergence of the District Commission from the guidelines or stipulations of the WBCIS and that of non intimation of high speed wind within 48 hours is the secondary issue. It cannot be denied that, the formulation of WBCIS is vitally based on the collection of weather data by AWS. The imperfection in it will not only affect rights and liabilities of the insured farmers, but also of opponent no.1. Suppose take an adverse case that, due to imperfect installation of AWS, all the triggers shown to have been operated, in that event whether opponent no.1, without questioning would have granted the insurance claims to the complainants. We do not think that, it would have honoured the claims of the complainants. The IMD guidelines are impartial in nature and are there to ensure justice to both sides of the fulcrum. It is for the same reason IMD guidelines were required to be followed by the implementing agencies and more particularly very cautiously by opponent no.1. We are unable to convince ourselves by the submission of Adv. Deshmukh for opponent no. 1 that, opponent no.1 has no role to play in installation of AWS and its accuracy has to be ensured by co-ordination committee.

16. So I to understand the importance of accuracy of the recording of the weather data by AWS, we need to refer to the relevant IMD guideline No.2 which are as follows...

2.1.2: Exposure Conditions for Sensors.

2.1.2.1 : Wind speed and directions:

2.1.2.1.1: The wind speed and directions sensors are required to be installed on a mast at the height of 10 meters from ground level.

2.1.2.1.2: The sensors are required to be located on the mast, which is installed at a distance of at least ten times the height of nearby 83 FA/890 to1049/2019 building, trees or other obstructions.

2.1.2.2: Air Temperature and Relative Humidity :

2.1.2.2.1: The Standard Measurement Height for air temperature and relative humidity sensor is 2 meters.

2.1.2.2.2 : The sensor is to be located at a distance of at least two times the height of obstruction like trees, building etc. 2.1.2.2.3 : Large paved areas, bitumen surfaces in the vicinity of at least 30 meters have to be avoided.

2.1.2.3. Rain fall :

2.1.2.3.1. : The rail fall sensor is placed in an open area at a minimum distance of two times the height of any obstruction.

2.1.2.3.2. : The standard measurement height is 30 centimeters above ground level.

2.1.2.3.3. : In places where flooding is more, the height may be 1 meter from the ground level.

17. The perusal of these guidelines makes it crystal clear that, the AWS in the present case is totally contrary to the IMD guideline. Further as per guidelines AWS are not only to read the weather data accurately but also to communicate it in 'real time' to the server of opponent no. 1. It is therefore, as per WBCIS, the first person to know about the hitting of the triggers/insured events is opponent no.1. The insured farmers, including the complainants, very strangely, comes to know about it, only at the end of the agriculture season of the scheme, when they do not receive any claim amount despite of the fact that all triggers, according to them supposed and experienced to have been operated.

18. Further, it cannot be overlooked that, while framing the terms of WBCIS, the insured farmers, though are forced to take the part, as a loanee farmers are not consulted in fixing the same. They have no role to 84 FA/890 to1049/2019 play except to pay the requisite premiums to opponent no.1 through opponent no.2. The Consumer Protection Act, 1986 provides that, the consumer is having the right to know about the quality and accuracy of the service. In that sense, the terms of the scheme are likely to be lopsided in favour of opponent no.1. It is our considered view that, because of this fact the guidelines/terms of the WBCIS cannot be equated with the terms and conditions of other insurance policies/ contracts like life, health or fire insurance and may receive liberal interpretation instead of strict interpretation in view of benevolent scheme like WBCIS.

19. According to us, under these circumstances the District Commission has rightly balanced the fulcrum of the justice, when it is found to it that on the basis of the data of NCMSL (the third pary appointed in concurrence of opponent no.1) the triggers of high temperatures and high speed wind were recorded, though not on three consecutive days but on an average/mean basis in the relevant days. Here it cannot be forgotten that the banana crop, for which complainants had a taken crop insurance is hypersensitive to low and high temperatures and also to the speedy wind, as its stem is not as much firm as that of other crops. In these circumstances, when as per WBCIS, the first person to know about all the adverse weather conditions including the high speed wind with real time data is opponent no.1, the intimation of high speed wind by complainants does not assume much significance. It is true that, opponent no.l may not possibly know the 'actual damage' to individual insured farmer, but for implementing the benevolent scheme like WBCIS to protect the insured farmers, they can be reasonably and in the interest of justice, expected to set up their offices in each taluka, where their officers can call upon by way of public notification the insured farmers to get such intimation and prepare the panchanama in time accurately. It is the principle of justice that the person who seeks equity must do the equity first.

20. So far as the rulings relied upon by Adv. Deshmukh for opponent no.1 are concerned, in a none of those cases there was an issue raised by the insured farmers as to the imperfect/faulty installation of AWS and 85 FA/890 to1049/2019 because of that weather data was not recorded accurately, which is there in present cases. As such, in view of these distinguishing facts the ratio laid down by the Hon'ble Higher Courts in those cases cannot be applied to the present cases.

21. Here, we may conveniently refer to the decision of this Commission passed by our learned predecessor bench in Agriculture Insurance Company of India Ltd,. Vs. Subhash Bhosale and Others FA No.589 to 608/2017 decided on 04.05.2017 wherein, in the similar set of facts this State Commission upheld the similar findings of District Commission and held that the 'mean' temperature of 3 consecutive days can be considered to have operated the trigger of low temperature. That decision had been challenged before the Hon'ble National Commission in RP No.2832/2017, decided on 5.1.2018. The Hon'ble National Commission upheld that judgment of this Commission. We are also relying on that judgment.

22. The foregoing discussion makes it clear that, there is no error or legal infirmity in the impugned judgments. Therefore, we are of the view that, the District Commission has rightly granted the amount of compensation.

As such, the impugned judgments will have to be confirmed. Consequently, the appeals will have to be dismissed. In view of the facts of these appeals it will be just to direct opponent no.1 to pay to each of the complainants sum of Rs.5,000/- as the cost of this proceedings. Hence, we pass the following order.

ORDER

1. The impugned judgments are hereby confirmed.

2. The appeals are dismissed.

3.Opponent no.1 shall pay to each of the complainants sum of Rs.5,000/- as the costs of this proceedings.

4. Copy of this judgment shall be kept in FA/890/2019 and certified copy of the same shall be kept in all other appeals.

5. Copy of this judgment shall be furnished to the both sides free of costs.




  Nagesh C.Kumbre                        Milind S.Sonawane
    Member                                Presiding Member
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       86   FA/890 to1049/2019




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