State Consumer Disputes Redressal Commission
The Oriental Insurance Company Limited vs Ramnarain Jat on 9 October, 2024
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}kjk tkjh vkj-lh- dSaflys'ku vkns'k dh izfr] fQVusl dh izfr] MqIyhdsV ijfeV dh ewy izfr] iqfyl esa fjiksVZ fy[kokus dh jlhn dh izfr] pkyd ds vuqKki= dh izfr ,oa chfer okgu ds VSDl ls lacfa /kr jlhn dh izfr chek dEiuh dks miyC/k djk;hA vr% blls Li"V gS fd iwoZ esa izR;FkhZ us vihykFkhZ dks okafNr nLrkostkr miyC/k ugha djk;sA ekg tuojh] 2018 esa okafNr nLrkostkr izkIr gksus ij vihykFkhZ }kjk ifjoknh ds Dyse ij fu;ekuqlkj dk;Zokgh dj 6]98]000@& :i;s dk Dyse ns; ikrs gq, lkFk esa 5]000@& :i;s ekufld larki ds vkSj 1500@& :i;s ifjokn O;; ds tksMrs gq, dqy 7]05]000@& :i;s dk pSd fn0 28-02-2018 ds tfj;s Hkqxrku ifjoknh dks dj fn;k] ftlesa ls jSd oSY;w fcuk dkxtkr ds 2]00]000@& :i;s ,oa ,Dll DykWt dh jkf'k 1500@& :i;s de dh gSA 8- izR;FkhZ us fn0 22-02-2018 dks fMlpktZ okmpj Hkh gLrk{kj dj miyC/k djk;k vkSj pSd fn0 14-03-2018 dks izkIr fd;k x;k vkSj ml le; ernkrk ifgpku i= ij vius gLrk{kj iw.kZ ,oa vafre lsVyesaV ds isVs LosPNk ls ysuk ys[k djrs gq, vius gLrk{kj fd;s vkSj lkFk gh dksbZ jkf'k cdk;k ugha jgus dk Hkh dFku fd;kA izR;FkhZ ls tcju dqN ugha fy[kok;k x;k] ernkrk ifgpku i= ij gLrk{kj izR;FkhZ }kjk LosPNk ls fd;s x;s gSa vkSj mlus jkf'k v.Mj izksVsLV fy;s tkus dk dksbZ dFku ugha fy[kk gSA vr% bl dkj.k izR;FkhZ 7]05]000@& :i;s dh Dyse jkf'k ds vykok dksbZ jkf'k izkIr djus dk vf/kdkjh ugha gSA vihykFkhZ chek dEiuh us bl ekeys esa dksbZ lsoknks"k dkfjr ugha fd;k gS vkSj vuqfpr O;kikj O;ogkj dk bLrseky ugha fd;k x;k gSA vihykFkhZ chek dEiuh ds [kkrs fy;u dk ekdZ fy[ks gksus ls pSd dk Hkqxrku ugha gks ldk Fkk mldh tkudkjh mudks ugha Fkh] vr% bl ekeys eaas mudh dksbZ ykijokgh ugha jgh gSA pSd nks ckj vuknfjr gksus ds lac/a k esa dkVh xbZ jkf'k 472@& :i;s izR;FkhZ dks ns; gksuk vihykFkhZ Lohdkj djrk gS vr% ifjokn [kkfjt djus dh izkFkZuk dh xbZZA 9- fo}ku ftyk miHkksDrk vk;ksx }kjk vius fu.kZ; esas ;g ik;k x;k fd ifjoknh dks fuf'pr :i ls 9]00]000@& :i;s ds chek ds vk/kkj ij VksVy ykWl 6 ds vk/kkj ij jkf'k 1]95]000@& :i;s izkIr gksuh pkfg, Fkh rFkk foi{kh }kjk ifjoknh ds Dyse dh {kfr dk fdl izdkj vkadyu fd;k x;k gS] ;g Hkh Li"V ugha gS rFkk blds lkFk gh ifjoknh dks tks C;kt jkf'k vf/kdkfjd :i ls izkIr gksuh pkfg, Fkh] mlls Hkh ifjoknh nl o"kZ rd oafpr jgk] blfy, ifjoknh dks tks jkf'k izkIr gqbZ gS ml jkf'k ij ifjoknh dks foi{kh ls 09 izfr'kr C;kt fnyokuk U;k;ksfpr gS lkFk gh ifjoknh }kjk 1]95]000@& :i;s dh ekWx dh xbZ gS mlds LFkku ij ifjoknh dks foi{kh ls 1]00]000@& :i;s vkbZ-Mh-oh- ds vk/kkj ij fnyok;k tkuk U;k;ksfpr gS vkSj bl izdkj ifjoknh dk ifjokn vkaf'kd :i ls Lohdkj fd;k x;k gSA 10- fo}ku vf/koDrk vihykFkhZ dh ;g cgl gS fd bl ekeys esa fo}ku ftyk miHkksDrk vk;ksx }kjk iwoZ esa ikfjr fu.kZ; fn0 29-10-2014 dh izR;FkhZ }kjk le; ij ikyuk ugha dh xbZ] vr% bl dkj.k izdj.k esa gqbZ nsjh ds fy, izR;FkhZ Lo;a ftEesnkj gSA mudh ;g Hkh cgl gS fd fo}ku ftyk miHkksDrk vk;ksx }kjk vius fu.kZ; fn0 29-10-2014 esa ;g /kkfjr dj fn;k x;k Fkk fd izR;FkhZ us vihykFkhZ dks okafNr nLrkostkr miyC/k ugha djok;s Fks vkSj blh dkj.k mls ;g vkns'k fn;k Fkk fd og ,d ekg dh vof/k esa okafNr leLr nLrkostkr chek dEiuh dks lkSaisxk vkSj chek dEiuh nLrkostkr izkIr gksus ls ,d ekg dh vof/k esa chek nkos dk fuLrkj.k djsxhA pwWafd izR;FkhZ us ,d ekg dh fu/kkZfjr vof/k esa okafNr nLrkostkr izLrqr ugha fd;s Fks vr% bl dkj.k fo}ku ftyk miHkksDrk vk;ksx }kjk vius fu.kZ; fn0 29-10-2014 esa chek nkos ds fuLrkj.k ls nks ekg esa iqu% nkok nk;jh dh Lora=rk dk vf/kdkj lekIr gks x;k] vr% izR;FkhZ }kjk is'k fd;k x;k ifjokn [kkfjt fd;s tkus ;ksX; gSA mudh ;g Hkh cgl gS fd bl ekeys easa okgu dh vkbZ-Mh-oh- 9]00]000@& :i;s ekurss gq, {kfriwfrZ jkf'k vnk djus dk vkns'k fn;k gS rFkk 2]00]000@& :i;s bl vk'k; ds de fd;s x;s gSa fd izR;FkhZ us okgu dk Ldszi mUgaas ugha lkSaik gSA mudh ;g Hkh cgl gS fd izR;FkhZ }kjk Qqy ,.M Qkbuy lsVyesaV ds okmpj ij gLrk{kj dj mlds }kjk pSd izkIr fd;k x;k Fkk vkSj nksuksa gh voLFkkvksa ij viuk vkSj dksbZ Dyse ugha gksuk crk;k Fkk vr% bl dkj.k izR;FkhZ orZeku ekeys esa ifjokn ykus essa l{ke ugha FkkA mudh ;g Hkh cgl gS fd fo}ku ftyk miHkksDrk vk;ksx }kjk 1]95]000@& :i;s ds LFkku vkbZ-Mh-oh isVs 1]00]000@& :i;s xyr fnyk;s gSa vkSj blls ;g lkfcr gksrk gS fd muds }kjk 7]05]000@& :i;s dh {kfriwfrZ jkf'k lgh :i ls vnk 7 dh xbZ gSA mudh ;g Hkh cgl gS fd izR;FkhZ bl ekeys esa dksbZ ekufld ihMk ugha gqbZ Fkh D;ksfa d mlus iwoZ essa gq, fu.kZ; dh ikyuk esa le; ij okafNr nLrkostkr izLrqr ugha fd;s Fks vkSj mlesa tks nsjh gqbZ gS mlds fy, og Lo;a ftEesnkj gSA mudh ;g Hkh cgl gS fd izR;FkhZ fn0 11-06-2008 ls fn0 18-04- 2018 rd dh vof/k dk dksbZ C;kt izkIr djus dk vf/kdkjh ugha gS D;ksafd mlus fo}ku ftyk miHkksDrk vk;ksx ds iwoZ fu.kZ; dh ikyuk esa okafNr nLrkostkr izLrqr ugha fd;s FksA mudh ;g Hkh cgl gS fd 7]05]000@& :i;s dk pSd ysus ds ckn izR;FkhZ mudk miHkksDrk ugha jgk gSA mudh ;g Hkh cgl gS fd losZ;j dh fjiksVZ ds vk/kkj ij {kfriwfrZ jkf'k fnyk;s tkus esa fdlh izdkj dh =qfV gksuk izR;FkhZ dh vksj ls lkfcr ugha fd;k x;k gS vr% bl dkj.k fo}ku ftyk miHkksDrk vk;ksx }kjk ikfjr fu.kZ; vikLr fd;s tkus dh izkFkZuk dh gSA 11- fo}ku vf/koDrk izR;FkhZ dk rdZ gS fd izR;FkhZ }kjk izLrqr fd;k x;k ifjokn fo}ku ftyk miHkksDrk vk;ksx ds iwoZ fu.kZ; dh ikyuk esa izLrqr fd;k tkuk crkrs gq, ifjokn esa ekWxk x;k vuqrks"k fo}ku ftyk miHkksDrk vk;ksx }kjk fnyk;s tkus dks lgh crkrs gq, vihy [kkfjt djus dh izkFkZuk dh gSA 12- bl ekeys esa vihykFkhZ dh vksj ls fuEu U;kf;d n`"Vkar izLrqr fd;s x;s gSa%& 1- III(2007) CPJ 429 - New India Assurance Co. Ltd. V/s Pawan Sharma. Decided on 04.10.2006 2- I(1995) CPJ 327 - Kanhu Charannanda V/s New India Assurance Co. Ltd. Decided on 26.05.1994 3- IV (2022) CPJ 407 (NC) Prabhu Dayal Trilok Chand V/s Oriental Insurance Company Limited & Anr. Decided on 24.05.2022 4- (1999)NCJ (SC) United India Insurance VS Ajmer Singh Cotton & Genral Mills & Ors. Etc. Decided on 12-08-1999 5- (2019) CPJ (NC) 320 Oriental Insurance Co. Ltd. & Ors. VS Ranjit Kumar Mishra. Decided on 06-08-2019 6- II(2019)CPJ 51(NC) K N Resourses Pvt. Ltd. VS Oriental Insurance Co. Ltd. &Ors. Decided on 01-03-2019 7- II(2020)CPJ 19 (NC) Pankaj Trading Company VS National Insurance Co. Ltd. Decided on 19-02-2020 8 8- II(2019)CPJ 409 (NC) Elastrex Polymers Pvt. Ltd VS New India Assurance Co. Ltd. &Ors. Decided on 16-08-2019 9- IV(2015)CPJ 170(NC) Jagrut & Anr. VS New India Insurance Co. Ltd. Decided on 17-07-2015 10- 2015 NCJ 365 (NC) MS MJRJ Medlechem Surglcals VS National Insurance Co. Ltd. Decided on 22-01-2015 11- II(2013)CPJ 386(NC) AP JOS VS ICICI Lombard Genral Insurance Co. Ltd. Decided on 31-10-2012 12- (2000)10 Supreme Court Cases 19 United India Insurance Co. Ltd. And Ors. VS Roshanlal Oil Mills. Ltd. And Ors. Decided on 27-07-1999 13- 2018 NCJ 336 (NC) Atul Kumar V/s National Insurance Co.3 Ors. Decided on 03.00.2018 14- IV(2013) CPJ 233 (NC) Dipali Das V/s United India Insurance Co. Ltd. & Anr. Decided on 02.08.2013 15- III(2008) CPJ 93 (NC) Champalal Verma V/s Oriental Insurance Co. Ltd. Decided on 28.03.2008 13- mHk; i{k dh cgl lquh i=koyh vkSj izLrqr U;kf;d n`"Vkarksa dk voyksdu fd;kA 14- bl ekeys esa iwoZ esa fo}ku ftyk miHkksDrk vk;ksx }kjk fn0 29-10-2014 dks fu.kZ; ikfjr fd;k x;k Fkk] ftlesa ;g fu"d"kZ fudkyk x;k Fkk fd izR;FkhZ us okafNr nLrkostkr vihykFkhZ dks lqiqnZ ugha fd;s Fks vr% ,d ekg esa nLrkostkr lqiqn djus dk vkns'k fn;k x;k Fkk vkSj mlds ,d ekg ckn dh vof/k esa chek dEiuh dks chek nkos dk fuLrkj.k djus dk vf/kdkj fn;k x;k FkkA blds vfrfjDr chfer okgu dh vkbZ-Mh-oh- de vkadus ds vk/kkj ij gq, ekufld larki ds 5]000@& :i;s rFkk ifjokn O;; ds 1500@& :i;s Hkh fnyk;s x;s FksA vr% bl ekeys esa izR;FkhZ ij ;g Hkkj Fkk fd og ,d ekg dh vof/k esa okafNr nLrkostkr chek dEiuh esa izLrqr djrk] tks chek dEiuh ds vuqlkj ekg tuojh] 2018 esa izLrqr fd;s x;sA vr% bl dkj.k bl ekeys essa chek Dyse vnk djus essa tks nsjh gqbZ gS] og Lo;a izR;FkhZ dh otg ls dkfjr gksuk nf'kZr gksrk gSA blds vfrfjDr o"kZ 2008 ls tks C;kt ekWxk x;k gS og Hkh izR;FkhZ] vihykFkhZ ls izkIr djus dk vf/kdkjh ugha gS D;ksfa d izR;FkhZ us Dyse fuLrkj.k esa fo}ku ftyk miHkksDrk vk;ksx ds funsZ'kksa ds ckotwn lg;ksx ugha fd;k FkkA bl fu.kZ; ls ;g 9 Hkh nf'kZr gksrk gS fd izR;FkhZ us ,d ekg dh vof/k esa okafNr nLrkostkr izLrqr ugha fd;s vkSj blh dkj.k chek dEiuh mlds ,d ekg i'pkr dh vof/k esa mlds chek Dyse dk fuLrkj.k ugha dj ik;hA vr% bl dkj.k fo}ku ftyk miHkksäk vk;ksx ds le{k çR;FkhZ }kjk u;k ifjokn is'k djus dh vof/k lekIr gks xbZ Fkh vkSj ifjoknh }kjk bl fu.kZ; esa fn, x, funsZ'kksa dh ikyuk ugha djus ds dkj.k u;k ifjokn is'k djuk laHko ugha FkkA 15- bl ekeys esa çdj.k esa çLrqr fd, x, nLrkostkr dk voyksdu fd;k rks ;g nf'kZr vk;k fd fnukad 01-11-2017 dks chek daiuh us lacaf/kr ifjogu vf/kdkjh dks ç'uxr okgu dk jftLVªs'ku fujLr djus gsrq i= fy[kk Fkk vkSj çek.k i= tkjh djus dh çkFkZuk dh FkhA bl ij fnukad 01-11-2017 dks gh ifjogu vf/kdkjh us çR;FkhZ dks ç'uxr okgu dk VSDl 40]650@& :i;s cdk;k gksus dk çek.k i= tkjh fd;k Fkk bldk tokc çR;FkhZ us bl vk'k; dk fn;k fd okgu dk VSDl 31 ekpZ 2007 rd tek gS vkSj xkM+h fn0 15-06-2007 dks tydj u"V gks xbZ gS ,slh lwjr esa <kbZ ekg dk VSDl curk gS] ftls og tek djkus dks rS;kj gSA çR;FkhZ us bl laca/k esa ifjogu vf/kdkjh dks ,d i= çn'kZ 16 fy[kk FkkA i=koyh ij fn0 02-01-2018 ds bZ&pkyku dh çfr miyC/k gS] ftlds vuqlkj çR;kFkhZ us fn0 01-04-2006 ls fn0 31-03-2008 rd dh vof/k dk cdk;k VSDl vkSj isuYVh ds 40]650@& #i, ifjogu foHkkx esa tek djk;s FksA i=koyh ij jkeukjk;.k tkV uked O;fä ds uke dk fnukad 28-01-2018 dk ,d psd vihykFkhZ chek daiuh }kjk tkjh'kqnk 7]05]000@& dh çfr layXu gS ;g psd ;wdks cSad esa çLrqr djus ij fnukad 5-4-2018 dks vuknfjr dj fn;k Fkk vkSj pSd vuknj.k dh jkf'k 236@& #i, çR;FkhZ ds [kkrs esa ukes fy[ks x;s FksA 16- i=koyh ij losZ;j Jh Mh0 vkj0 xqIrk dh Qkbuy losZ fjiksVZ fn0 2-11- 2017 miyC/k gS] ftlesa ç'uxr okgu dh chfer jkf'k 9]00]000@& #i, crkbZ xbZ gS] ftlesa ;g fy[kk x;k gS fd iath;u çek.k i= lR;kfir dj fy;k x;k gS tcfd fQVusl vkSj :V ijfeV dk lR;kiu fd;k tkuk cdk;k gS ftlls ;g lkfcr gksrk gS fd çR;FkhZ }kjk losZ;j dks okafNr nLrkostr lqiq nZ ugha fd, x, FksA bl fjiksVZ esa okgu dk VksVy y‚l ekurs gq, {kfr dk fu/kkZj.k fd;k x;k gS vr% chek/ku 9]00]000@& esa ls ,Dll Dykst dh jkf'k 1500 #i, ?kVdj ?kVkbZ tkdj 8]98]500 dh jkf'k fudkyh xbZ gS vkSj ;g ik;k x;k gS fd okafNr nLrkostr 10 ds lkFk LØSi dk visf{kr ewY; 2]50]000@& :i;s vkSj fcuk dkxtkr ds LØSi dk ewY; 2]00]000@& :i;s çkIr gks ldrk gSA bl çdkj okgu dh ubZ lgh vkbZMhch 6]10]000@& :i;s vkadh tkdj mlesa ls 1500 #i, ,Dll DykWt ds de dj 6]08]5000@& :i;s dh {kfr fu/kkZfjr dh xbZ gSA 17- i=koyh ij Jh vt; dqekj tSu losZ;j dh f}rh; vksfifu;u fjiksVZ fn0 01-05-2008 miyC/k gS] ftlds vuqlkj okgu dh VksVy y‚l ij {kfr dk fu/kkZj.k 5]36]000@& :i;s dk fd;k x;k FkkA i=koyh ij çR;FkhZ }kjk vihykFkhZ dks fn, x, uksfVl fn0 29-12-2014 ds voyksdu ls nf'kZr gksrk gS fd okgu dk :V ijfeV ,oa fQVusl Vªd esa ty tkus ds dkj.k muds çfr çLrqr ugha dh tk jgh gSA blls ;g Hkh nf'kZr gksrk gS fd çR;FkhZ ds }kjk mä nksuksa nLrkostr vihykFkhZ dks çLrqr ugha fd, x, FksA 18- lk{; ls nf'kZr gksrk gS fd chek daiuh dh vksj ls çR;FkhZ dks fn 08-01 2015 dks i= tkjh dj ijfeV vkSj fQVusl dh MqIyhdsV izfr ifjogu dk;kZy; ls miyC/k djkus ,oa chfer okgu dk iathdj.k izek.k i= foi{kh chek dEiuh ds uke LFkkukarj.k djokdj miyC/k djokus] iqfyl esa ntZ djk;h xbZ izFke lwpuk fjiksVZ o vafre fjiksVZ miyC/k djokus] ewy chek ikWfylh@doj uksV miyC/k djokus] Dyse ds fuLrkj.k gsrq ySVj vkWQ lczksxs'ku] ySVj vkWQ v.MjVsfdax] ikoj vkWQ vVkuhZ ,oa okgu dk jftLVsª'ku ljS.Mj djkus gsrq i= fy[kk x;k FkkA lk{; ls ;g Hkh nf'kZr gqvk gS fd çR;FkhZ ds vf/koäk us vihykFkhZ dks vius i= fn0 17-11-2015 ls ijfeV dh QksVks çfr Hksth FkhA i=koyh ij çR;FkhZ }kjk fnukad 11-01-2018 dks vihykFkhZ dks okgu ls lacfa /kr nLrkostkr vkjlh dSaflys'ku vkns'k] izFke lwpuk fjiksVZ] fQVusl VSDl jlhn] ijfeV ,oa pkyd dk vuqKki= çLrqr fd;s Fks] ftudh çfr i= ds lkFk layXu gSA i=koyh ij fMLpktZ okmpj Hkh miyC/k gS] ftlds tfj, jkeukjk;.k tkV us 6]98]000@& :i;s Qqy ,.M Qkbuy lsVyesaV isVs çkIr djus ckcr LosPNk ls gLrk{kj djds fn, Fks rFkk oksVj vkbZMh ij 7]05]000@& dk psd fn0 28-02-2018 dks çkIr dj fy;k gS vkSj ;g crk;k Fkk fd vafre lsVyesaV gks x;k gS vkSj mldk vc dksbZ cdk;k ugha gSA i=koyh ij psd dh çfr Hkh çLrqr dh xbZ gSA çR;FkhZ dks çkIr gqvk ;g psd nks ckj vuknfjr gqvk gS D;ksfa d chek daiuh ds [kkrs ij U;k;ky; ds vkns'k ls 11 fy;u Fkk vkSj bl fMLvksuj ij tks pktZ yxk Fkk mldks chek daiuh nsus dks rS;kj gSA 19- bu rF;ksa ds e/;s utj vihykFkhZ }kjk çLrqr uthjksa dk voyksdu fd;k x;kA bl ekeys esa çR;FkhZ }kjk chek daiuh dks okafNr nLrkostkr tuojh] 2018 esa çLrqr fd, x, Fks vkSj blls igys nLrkostkr çLrqr ugha fd, x, Fks vkSj rRi'pkr chek daiuh }kjk Dyse dk fuLrkj.k fd;k x;k vkSj {kfr dh jkf'k 7]05]000@& dk çLrko çR;FkhZ dks fn;k x;k] ftlus Qqy ,.kM Qkbuy lsVyesaV ckcr fMLpktZ okmpj ij vius gLrk{kj djds fn, Fks vkSj mlds ,d ekg ckn bl fMLpktZ okmpj dh ,ot esa 7]05]000@& dk psd çkIr fd;k FkkA lk{; ls ;g nf'kZr ugha gksrk gS fd ;g fMlpktZ okmpj chek daiuh us /kks[ks ls çkIr fd;k gksA çR;FkÊ us viuh lk{; esa ;g dgÈ ugÈ crk;k gS fd mlus okgu dk LØSi chek daiuh dks lqiqnZ dj fn;k gksA vr% bl dkj.k LØSi dk ewY; chek daiuh }kjk 9]00]000@& :i;s vkÃMhch esa ls de fd;k tkdj {kfr dk fuèkkZj.k fd;k x;k gSA lk{; ls ;g Hkh nÆ'kr gqvk gS fd okgu dk iathdj.k fujLr gks x;k FkkA lk{; ls ;g Hkh tkfgj vk;k gS fd çR;FkÊ us okgu dk LØSi chek daiuh dks lqiqnZ ugÈ fd;k Fkk vkSj bl dkj.k ls chek daiuh }kjk bl ewY; dks x.kuk djus esa vkÃMhch esa ls bls ?kVk fn;k Fkk] ftldk Qqy ,.M Qkbuy lsVyesaV Hkqxrku çR;FkÊ }kjk çkIr Hkh dj fy;k x;k FkkA lk{; ls ;g Hkh nÆ'kr gqvk gS fd bl okgu dk VSDl cdk;k Fkk vkSj blh dkj.k ls çR;FkÊ okafNr nLrkost+r chek daiuh dks ugÈ ns ik;k Fkk vkSj tuojh] 2018 esa gh çR;FkÊ us chek daiuh dks nLrkostkr lqiqnZ fd;s] ftlesa okgu dk iathdj.k fujLr djus dk vkjVhvks dk çek.k i= Hkh çnku fd;k x;k FkkA vr% ;g rF; nÆ'kr djrs gSa fd çR;FkÊ us iwoZ esa fo}ku ftyk miHkksäk vk;ksx }kjk fn, x, fu.kZ; dh iw.kZ :i ls ikyuk ugÈ dh vkSj pkj lky dh vofèk rd chek daiuh dks nLrkostkr miyCèk ugÈ djk, vkSj bl dkj.k chek daiuh çR;FkÊ ds Dyse dk fuLrkj.k ugÈ dj ikÃ] blesa chek daiuh dk dksà lsok nks"k ugÈ ik;k tkrk gSA 20- lk{; ls nÆ'kr gqvk gS fd iwoZ esa fo}ku ftyk miHkksäk vk;ksx }kjk vuko';d :i ls okgu dk chfer ewY; xyr :i ls fuèkkZj.k djus ds vk/kkj ij mRiUu ekufld {kfr gsrq 5]000@& :i;s dk gtkZuk fnyk;k tk pqdk gSA bl ekeys esa Jh Mh0 vkj0 xqIrk losZ;j dh fjiksVZ esa ç'uxr okgu dh vkÃMhch 12 9]00]000@& #i, fuèkkZj.k dj VksVy y‚l dh x.kuk dh xà gS] mlesa fdlh çdkj dh dksà xyrh çR;FkÊ dh vksj ls crkà xà nÆ'kr ugÈ gqà gS A vr% losZ;j dh fjiksVZ ds vkèkkj ij chek daiuh us okgu dh {kfr dk lgh fuèkkZj.k fd;k gSA 21- fo}ku ftyk miHkksäk vk;ksx ds fu.kZ; ds voyksdu ls nÆ'kr gksrk gS fd 1]95]000@& :i;s dh vkÃMhch ds ,ot esa 1]00]000@& :i;s çR;FkÊ dks fnyk, tkus dk dksà vkèkkj i=koyh ij miyCèk ugÈ gSA lk{; ls ;g Hkh nÆ'kr gqvk gS fd çR;FkÊ 1]00]000@& :i;s dh 'ks"k vkÃMhch çkIr djus dk vfèkdkjh ugÈ gS D;ksafd okgu ds LØSi ds lacaèk esa çR;FkÊ us viuh fLFkfr dks Li"V ugÈ fd;k gSA blfy, ;gh fu"d"kZ fudyrk gS fd okgu dk LØSi ifjoknh ds ikl gh jg x;k FkkA vr% fo}ku ftyk miHkksäk vk;ksx }kjk 1]00]000@& :i;s dh jkf'k lgh :i ls fnyok;k tkuk nÆ'kr ugÈ gksrk gSA 22- lk{; ls ;g Hkh nÆ'kr gqvk gS fd çR;kFkÊ ds okgu dk VSDl cdk;k gksus ds dkj.k okgu ls lacafèkr nLrkostkr vihykFkÊ dks tuojh] 2018 rd lqiqnZ ugÈ fd, x, Fks vkSj blh dkj.k mldk Dyse chek daiuh }kjk ftyk miHkksäk vk;ksx ds iwoZ fu.kZ;kuqlkj fu.kÊr ugÈ fd;k tk ldk FkkA bl dkj.k çR;FkÊ mldks ns; jkf'k ij fn0 11-06-2008 ls fn0 18-04-2018 rd dh vofèk dk Hkh dksà C;kt vihykFkÊ chek daiuh ls çkIr djus dk vfèkdkjh ugÈ gS D;ksfa d bl ekeys esa Lo;a çR;FkÊ dks nsjh djus dk nks"kh gksuk ik;k x;k gSA vr% bl dkj.k mls ekufld {kfr ds :i esa fnykà xà jkf'k 11]000@& #i, Hkh lgh :i ls fnyk;k tkuk nÆ'kr ugÈ gqvk gS D;ksfa d bl ekeys esa çR;FkÊ }kjk Dyse dh jkf'k 7]05]000@& :i;s çkIr dj yh xà gS] tks losZ;j dh fjiksVZ vkSj fo}ku ftyk miHkksäk vk;ksx ds iwoZ esa fn;s x;s vkns'kkuqlkj gS] ftlesa NsM+NkM+ fd, tkus dk dksà fofèkd vkSj rF;kRed vkèkkj çdj.k ds rF;ksa vkSj ifjfLFkfr;ksa dks ns[krs gq, ugÈ ik;k tkrk gSA vr% bl dkj.k vihykFkÊ dh vihy Lohdkj fd, tkus ;ksX; ikà tkrh gS vkSj fo}ku ftyk miHkksäk vk;ksx }kjk ikfjr vkns'k fnukad 18-10- 2023 vikLr fd, tkus ;ksX; ik;k tkrk gSA vkns'k vr% vihykFkhZ@foi{kh chek dEiuh fn vksfj;.Vy bU';ksjsl a d0 fy0 }kjk izR;FkhZ@ifjoknh jkeukjk;.k tkV ds fo:} izLrqr ;g vihy Lohdkj dh tkrh gSA fo}ku ftyk miHkksDrk vk;ksx] t;iqj r`rh;] t;iqj }kjk ifjokn izdj.k 13 la0 148@2018 cmuoku ^^jkeukjk;.k tkV cuke fn vksfj;.Vy ba';ksjsal d0 fy0^^ eaas ikfjr fu.kZ; fn0 18-10-2023 vikLr fd;k tkrk gSA [kpkZ vihy i{kdkjku viuk&viuk ogu djsxsAa fo}ku ftyk miHkksDrk vk;ksx dk fjdkMZ fu.kZ; dh izfr ds lkFk vfoyEc fHktok;k tkosA ¼ jkeQwy xqtZj ½ ¼ fueZy flag esMroky ½ lnL; lnL; ¼U;kf;d½