State Consumer Disputes Redressal Commission
Paytm Payments Bank Ltd. vs Umesh Kumar Dewangan & Ors. on 6 July, 2023
Appeal No. State Bank of India Vs. Umesh Kumar Dewangan & Anr. Order Pronounced FA/2019/960 & Paytm Payments Bank Ltd. Vs. Umesh Kumar Dewangan & Anr. On- 06 .07.2023 FA/2019/1018 NRrhlx<+ jkT;
miHkksDrk fookn Áfrrks"k vk;ksx] iaMjh] jk;iqj lafLFkr fnukad&11-12-2019 vafre rdZ fnukad&09-06-2023 vkns'k fnukad& 04-07-2023-
vihy Øekad&FA/2019/960
1- Hkkjrh; LVsV cSad] ekQZr~&"kk[kk izca/kd]
Hkkjrh; LVsV cSad] "kk[kk irjkikyh]
ts- ,l- ih- ,y-] rglhy o ftyk&jk;x<+ ¼N-x-½
2- {ks=h; izc/a kd] {ks=h; dk;kZy;&jhtu&1]
Ikz"kklfud fcfYMax] cSju cktkj] jk;iqj]
Rkglhy o ftyk&jk;iqj ¼N-x-½
¼}kjk Jh jkts'k frokjh] vf/koDrk okLrs vihykFkhZ½
-------------- vihykFkhZx.k@fo:} i{kdkj dzekad&1 ,oa 2- fo:) 1- mes"k dqekj nsokaxu vk- iwjuyky nsokaxu] mez&34 o'kZ] fuoklh&ftany ekWMy Vkmu] dsjk>j Fkkuk Hkwinsoiqj] rglhy o ftyk&jk;x<+ ¼N-x-½ ¼}kjk Jh lw;Zdkar "kekZ] vf/koDrk okLrs mRrjoknh dzekad&1½
------------mRrjoknh dzz-&1@ifjoknh-
2- izHkkjh vf/kdkjh] is&Vh,e] ch&121] lsDVj&uks;Mk] mRrj izns"k&201301 ¼}kjk Jh vrqy dqekj ds"kjokuh] vf/koDrk okLrs mRrjoknh dzekad&2½
------------mRrjoknh dzz-&2@fo:} i{kdkj dz-&3- lafLFkr fnukad&28-12-2019 vafre rdZ fnukad&09-06-2023 vkns'k fnukad& 04-07-2023- vihy Øekad&FA/2019/1018 isVh,e iseasV~l cSad fyfeVsM] }kjk&izkf/kd`r vf/kdkjh] ch&121] lsDVj&uks;Mk] mRrj izns"k&201301 ¼}kjk Jh vrqy dqekj ds"kjokuh] vf/koDrk okLrs vihykFkhZ½
------------vihykFkhZ@fo:} i{kdkj dz-&3- fo:) 1- mes"k dqekj nsokaxu vk- iwjuyky nsokaxu] mez&34 o'kZ] fuoklh&ftany ekWMy Vkmu] dsjk>j Fkkuk Hkwinsoiqj] rglhy o ftyk&jk;x<+ ¼N-x-½ ¼}kjk Jh lw;Zdkar "kekZ] vf/koDrk okLrs mRrjoknh dzekad&1½
------------mRrjoknh dzz-&1@ifjoknh-
Appeal No. FA/2019/960 Partlly Allowed & Page 1 of 12Appeal No. FA/2019/1018 Allowed Appeal No. State Bank of India Vs. Umesh Kumar Dewangan & Anr. Order Pronounced FA/2019/960 & Paytm Payments Bank Ltd. Vs. Umesh Kumar Dewangan & Anr. On- 06 .07.2023 FA/2019/1018 2- "kk[kk izca/kd] Hkkjrh; LVsV cSad] Hkkjrh; LVsV cSad] "kk[kk irjkikyh] ts- ,l- ih- ,y-] rglhy o ftyk&jk;x<+ ¼N-x-½ 3- {ks=h; izc/a kd] Hkkjrh; LVsV cSad] jhtu&1] Ikz"kklfud fcfYMax] cSju cktkj] jk;iqj ¼N-x-½ ¼}kjk Jh jkts'k frokjh] vf/koDrk okLrs vihykFkhZ½
----------- mRrjoknh dz-&2 ,oa 3@fo:} i{kdkj dzekad&1 ,oa 2- le{k% ekuuh; Jh xksiky panz "khy] lnL;-
ekuuh; Jh izeksn dqekj oekZ] lnL;-
vafre rdZ esa mifLFkr& vihykFkhZx.k dh vksj ls Jh jkts"k frokjh] vf/koDrkA mRrjoknh dzekad&1 dh vksj ls Jh lw;Zdkar "kekZ] vf/koDrkA mRrjoknh dzekad&2 dh vksj ls Jh vrqy dqekj ds"kjokuh] vf/koDrkA vkns'k ¼ }kjk& izeksn dqekj oekZ] lnL; ½ vihy dzekad&,Q,@2019@960 fo:) i{kdkj dzekad&1 ,oa 2 rFkk vihy dzekad&,Q,@2019@1018 fo:) i{kdkj dzekad&3 isVh,e isesaV~l cSad dh vksj ls /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986 ds varxZr ftyk miHkksDrk fookn izfrrks"k Qksje] jk;x<+ ¼N-x½ ¼ftls vkxs laf{kIr esa **laacaf/kr ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad& lhlh@2019@170 esa ikfjr vkns"k fnukad&14-11-2019 ftlds }kjk mRrjoknh dzekad&1@ifjoknh ds ifjokn dks Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd **fo:) i{kdkjx.k] la;qDr vFkok i`Fkd&i`Fkd :Ik ls vkosnd dks 1]14]399@&¼,d yk[k pkSng gtkj rhu lkS fuU;kucs :Ik;s½ ,oa "kkjhfjd o ekufld {kfriwfrZ gsrq 15]000@&¼iUnzg gtkj :Ik;s½ rFkk okn O;; 5]000@&¼ikap gtkj :Ik;s½ ,d ekg ds vanj vnk djsx a s] u djus ij ifjokn izLrqfr fnukad&08-05-2019 ls vnk;xh fnukad rd 09 izfr"kr okf'kZd nj ls C;kt ns; gksxk**] ls {kqC/k gksdj izLrqr fd, gSaA Appeal No. FA/2019/960 Partlly Allowed & Page 2 of 12 Appeal No. FA/2019/1018 Allowed Appeal No. State Bank of India Vs. Umesh Kumar Dewangan & Anr. Order Pronounced FA/2019/960 & Paytm Payments Bank Ltd. Vs. Umesh Kumar Dewangan & Anr. On- 06 .07.2023 FA/2019/1018 02- nksuksa gh vihysa ,d gh vkns'k ls mn~Hkwr gaS blfy, nksuksa dk fujkdj.k ,d lkFk fd;k tk jgk gSA lqfo/kk dh n`f"V ls i{kdkjksa dks mudh ekSfyd izkfLFkfr ls lacksf/kr fd;k tk,xkA vkns"k dh ewy izfr vihy dzekad&,Q,@2019@960 esa layXu dh tkos ,oa vkns"k dh izekf.kr lR; izfrfyfi vihy dzekad&,Q,@2019@1018 esa layXu dh tkosA 03- lacfa /kr ftyk Qksje ds le{k ifjoknh dk ifjokn laf{kIr esa bl izdkj jgk gS fd ifjoknh dk cpr [kkrk dzekad&20054167253 fo:) i{kdkj dz-&1 dh "kk[kk esa lapkfyr gSA fnukad&27-02-2019 dks ifjoknh dk fe= peuyky lkgw ukSdjh ds iath;u gsrq eksusLVj MkV dke esa viuk iath;u dj jgk Fkk ftl gsrq mlus 10@&¼nl :Ik;s½ dh jkf"k iath;u gsrq vkWu ykbZu tek djus gsrq VªkatsD"ku fd;k Fkk vkSj usV cSafdax gsrq jkf"k Hkstus ckor~ ikloMZ Mkyus ds ckn cSad }kjk dksbZ vks- Vh- ih- ugha Hkstk x;k] fdarq mlds ckn yxkrkj fcuk vks- Vh- ih- Mkys jkf"k dk vkgj.k gksus yxk vkSj ifjoknh ds [kkrs ls dqy&1]14]399@&¼,d yk[k pkSng gtkj rhu lkS fuU;kucs :Ik;s½ dh jkf"k vU; [kkrs esa QthZ vkgfjr gks x;kA ifjoknh }kjk vius [kkrs dks viMsV djkus ij ;g Kkr gqvk fd mDr leLr jkf"k isVh,e [kkrk dz -&38129298294] 38070499378] 38129262959 ,oa 38129286277 esa fo:) i{kdkj dzekad&1 ,oa 2 }kjk Hksts tkus ckor~ lgefr iznku dh xbZ] D;ksfa d lacaf/kr cSad vius [kkrk /kkfj;ksa dks vkWu ykbZu VªkatsD"ku ij fcuk vks- Vh- ih- ds jkf"k varj.k gks jgk gS rks fuf"pr :Ik ls caSd ds Dyh;jsl a ds ckn gh laHko gSA ifjoknh }kjk fnukad&01-03-2019 dks Fkkuk Hkwinsoiqj esa izFke lwpuk&i= Hkh ntZ djk;k x;k ,oa fo:) i{kdkj dzekad&1 ,oa 2 dks esy ds ekQZr~ Hkh f"kdk;r izLrqr fd;kA ifjoknh }kjk fnukad&03-03-2019 dks fjtoZ cSad esa Hkh bZ&esy ds ekQZr~ ls leLr fooj.k lfgr f"kdk;r izsf'kr fd;k] fdarq dksbZ dk;Zokgh ugha fd;s tkus Appeal No. FA/2019/960 Partlly Allowed & Page 3 of 12 Appeal No. FA/2019/1018 Allowed Appeal No. State Bank of India Vs. Umesh Kumar Dewangan & Anr. Order Pronounced FA/2019/960 & Paytm Payments Bank Ltd. Vs. Umesh Kumar Dewangan & Anr. On- 06 .07.2023 FA/2019/1018 ij iqu% fnukad&29-03-2019 dks bZ&esy ds ek/;e ls f"kdk;r izsf'kr fd;k ftl ij fo:) i{kdkjx.kksa dks f"kdk;r dk fuokj.k fd;s tkus gsrq funsZ"k fn;k x;k] ijUrq dksbZ dk;Zokgh ugha dh xbZ ftlds dkj.k ifjoknh dks ifjokn ykus dh vko";drk iM+h gSA vr% ifjokn&i= esa okafNr vuqrks'k fnyk;s tkus dk fuosnu fd;k gSA 04- lacfa /kr ftyk Qksje ds le{k fo:} i{kdkj dzekad&1 us fyf[kr dFku izLrqr dj ifjokn ds rF;ksa ls badkj djrs gq, ;g cpko fy;k gS fd ifjoknh dk cpr [kkrk dzekad&20054167253 fo:) i{kdkj dz-&1 dh "kk[kk esa lapkfyr gS ftlesa mldk eksckbZy uacj&9300958582 iathd`r gSA ifjoknh dks mlds }kjk dh xbZ izR;sd VªkatsD"ku dk vks- Vh- ih- Hkstk x;k gSA lHkh vkWu ykbZu VªkatsD"ku esa [kkrk /kkjd dks Lo;a ls xksiuh; fiu] ikloMZ vkSj vks- Vh- ih- dks lqjf{kr j[ks tkus dh ftEesnkjh gS] fdarq ifjoknh }kjk Lo;a dgha u dgha fdlh Hkh :Ik esa viuk xksiuh; fiu] ikloMZ ,oa vks- Vh- ih- dks lqjf{kr ugha j[kk x;k ftlds dkj.k dfFkr vkgj.k gqvk gSA ifjoknh }kjk vius cSad [kkrk esa vkbZ- Mh- ikloMZ dk mi;ksx dj jde VªkalQj fd;k x;k gS ftlds Ik"pkr~ dqy&05 O;fDr;ksa ds uke ds isVh,e [kkrk dz-&38070499378] 38129298294] 38129262959] 38129286277 ,oa 38129298678 esa jkf"k varj.k gqvk gSA bl izdkj ifjoknh ds Lo;a dh xyrh ds dkj.k mlds [kkrs ls jde dk vkgj.k gqvk gS ftlds fy, fo:) i{kdkj dz-&1 ,oa 2 fdlh izdkj ls mRrjnk;h ugha gSaA fo:) i{kdkj dz-&1 ,oa 2 }kjk lsok esa fdlh izdkj dh dksbZ deh ugha dh xbZ gSA ifjoknh] fo:) i{kdkj dz-&1 ,oa 2 ls dksbZ vuqrks'k izkIr djus dk vf/kdkjh ugha gSA vr% ifjoknh dk ifjokn fujLr fd;s tkus dk fuosnu fd;k gSA Appeal No. FA/2019/960 Partlly Allowed & Page 4 of 12 Appeal No. FA/2019/1018 Allowed Appeal No. State Bank of India Vs. Umesh Kumar Dewangan & Anr. Order Pronounced FA/2019/960 & Paytm Payments Bank Ltd. Vs. Umesh Kumar Dewangan & Anr. On- 06 .07.2023 FA/2019/1018 05- lacfa /kr ftyk Qksje ds le{k fo:}+ i{kdkj dzekad&3 us fyf[kr dFku izLrqr dj ifjokn ds rF;ksa ls badkj djrs gq, ;g izfrj{kk fy;k gS fd ifjoknh] fo:) i{kdkj dz-&1 ,oa 2 cSad dk [kkrk/kkjh gSA fo:) i{kdkj dz-&1 ,oa 2 vks- Vh- ih- ,oa ou VkbZe ikloMZ ds lac/a k esa jlhn ugha fn;k gSA ifjoknh dh f"kdk;r fo:) i{kdkj dz-&1 ,oa 2 ds lkFk fufgr gS ,oa /kks[kk/kM+h ds lac/a k esa fo:) i{kdkj dz-&1 ,oa 2 ftEesnkj gSaA ifjoknh us fo:) i{kdkj dz-3 ls lsokvksa dk ykHk ugha fy;k gS blfy, og fo:) i{kdkj dz-&3 dk **miHkksDrk** ugha gSA eksckbZy ,Iyhds"ku] osc iksVZy dh lqj{kk ,oa tkap cSad }kjk fd;k tkrk gSA ;fn dksbZ vkWu ykbZu ysu&nsu djrk gS rks fo:) i{kdkj dz -&3 mls vLohdkj ugha dj ldrkA vkWu ykbZu Hkqxrku bl fo:) i{kdkj dz-&3 ds nk;js ls ijs gSA fo:) i{kdkj dz-&3 }kjk lsok esa dksbZ deh ugha dh xbZ gSA ifjoknh] fo:) i{kdkj dz-&3 ls dksbZ vuqrks'k izkIr djus dk vf/kdkjh ugha gSA vr% ifjokn fujLr fd;s tkus dk fuosnu fd;k gSA 06- laacaf/kr ftyk Qksje us ifjoknh ds ifjokn dks izekf.kr ikrs gq, Åij dafMdk&1 esa of.kZr vuqlkj vuqrks'k iznku fd;k gS ftlds fo:) ;g vihy gSA 07- ifjoknh dh vksj ls ,d vkosnu&i= varxZr vkns"k&41 fu;e&27 O;ogkj izfdz;k lafgrk] 1908 ¼vkbZ- ,- dz-&1@2023½ e; lwph vuqlkj nLrkost izLrqr dj nLrkostksa dks vfHkys[k esa fy;s tkus dk fuosnu fd;k gSA 08- vkbZ- ,- dz-&1@2023 ij mHk;i{kksa ds rdZ Jo.k fd, x,A 09- fo:) i{kdkjx.k dh vksj ls vkbZ- ,- dz-&1@2023 dk fojks/k djrs gq, vkosnu&i= dks fujLr fd;s tkus dk fuosnu fd;k gSA Appeal No. FA/2019/960 Partlly Allowed & Page 5 of 12 Appeal No. FA/2019/1018 Allowed Appeal No. State Bank of India Vs. Umesh Kumar Dewangan & Anr. Order Pronounced FA/2019/960 & Paytm Payments Bank Ltd. Vs. Umesh Kumar Dewangan & Anr. On- 06 .07.2023 FA/2019/1018 10- ifjoknh dh vksj ls vkbZ- ,- dz-&1@2023 ds lkFk ifjoknh }kjk fnukad&27-02-2019 dks ,l- ch- vkbZ- cSad dks bZ&esy ds ek/;e ls dh xbZ f"kdk;r dh izfr ,oa cSad ikl cqd dh izfr dks izLrqr fd;k gS tks fd lacaf/kr ftyk Qksje ds le{k iwoZ ls izLrqr gS rFkk Fkkuk izHkkjh] Hkwinsoiqj esa ifjoknh }kjk dh xbZ f"kdk;r fnukad&30-03-2019 dh izfr dks izLrqr fd;k gS tks fd izdj.k ds mfpr fujkdj.k gsrq vko";d izrhr gksrs gSaA 11- vr% ifjoknh dh vksj ls izLrqr vkbZ- ,- dz-&1@2023 Lohdkj fd;k tkrk gS ,oa izLrqr nLrkostksa dks vfrfjDr lk{; ds :Ik esa vfHkys[k esa fy;k tkrk gSA 12- tgka rd xq.k&nks'kksa dk laca/k gS] fo:) i{kdkj dz&1 ,oa 2 dh vksj ls milatkr gksus okys fo)ku vfHkHkk'kd Jh jkts"k frokjh dk rdZ gS fd ekuuh; ftyk Qksje }kjk ikfjr vkns"k fof/k foijhr gksus ls vikLr fd;s tkus ;ksX; gSA ekuuh; ftyk Qksje }kjk bl rF; dks utj vankt fd;k x;k gS fd vkWu ykbZu VªkatsD"ku esa [kkrk /kkjd dks Lo;a xksiuh; fiu] ikloMZ ,oa vks - Vh- ih- dks lqjf{kr j[kus dh ftEesnkjh gS vkSj iz"uk/khu laO;ogkj mijksDr fu;e dk ikyu u djus ds dkj.k gh iz"uk/khu jkf"k dk vkgj.k gqvk gSA ekuuh; ftyk Qksje us bl rF; dh mis{kk dh gS fd iz"uk/khu laO;ogkj ifjoknh dh vksj ls is&Vh,e ds }kjk fd;k x;k gS tks fd ,d vyx daiuh gS vkSj is&Vh,e rFkk LVsV cSad dk dk;Z {ks= Hkh vyx&vyx gSA is&Vh,e ds rgr fd, x, varj.k ls fo:) i{kdkj dz-&1 ,oa 2 cSad dk izR;{kr% dksbZ lac/a k u gksus ds Ik"pkr~ Hkh ekuuh; ftyk Qksje }kjk la;qDr% ,oa i`Fkd&i`Fkd :Ik ls nkf;Rok/khu ekuk gS tks fd fLFkj j[ks tkus ;ksX; ugha gSA ifjoknh }kjk vius xksiuh; fiu ,oa ikloMZ dk ,Dlsl mi;ksx ykijokghiwoZd eksusLV MkV dke ds Qsd lkbZV esa vkWu ykbZu VªkalQj dj QthZ fyad dk vkea=.k Lo;a ifjoknh }kjk fd;s tkus ds Appeal No. FA/2019/960 Partlly Allowed & Page 6 of 12 Appeal No. FA/2019/1018 Allowed Appeal No. State Bank of India Vs. Umesh Kumar Dewangan & Anr. Order Pronounced FA/2019/960 & Paytm Payments Bank Ltd. Vs. Umesh Kumar Dewangan & Anr. On- 06 .07.2023 FA/2019/1018 dkj.k Hkh fo:) i{kdkj dz-&1 ,oa 2 ds fo:) ikfjr vkns"k vikLr fd;s tkus ;ksX; gSA fo:) i{kdkj dz-&1 ,oa 2 }kjk lsok esa dksbZ deh ugha dh xbZ gSA vr% vihy Lohdkj dj lacaf/kr ftyk Qksje }kjk ikfjr vkns"k vikLr fd;s tkus dk fuosnu fd;k gSA 13- fo:) i{kdkj dz-&3 dh vksj ls milatkr gksus okys fo)ku vfHkHkk'kd Jh vrqy dqekj ds"kjokuh dk rdZ gS fd ekuuh; ftyk Qksje }kjk ikfjr vkns"k fof/k foijhr gksus ls vikLr fd;s tkus ;ksX; gSA ifjoknh] fo:) i{kdkj dz-&1 ,oa 2 cSad dk [kkrk/kkjh gSA ifjoknh dh f"kdk;r fo:) i{kdkj dz-&1 ,oa 2 ds lkFk fufgr gS ,oa /kks[kk/kM+h ds laca/k esa fo:) i{kdkj dz-&1 ,oa 2 ftEesnkj gSaA ifjoknh us fo:) i{kdkj dz-&3 ls lsokvksa dk ykHk ugha fy;k gS blfy, og fo:) i{kdkj dz-&3 dk **miHkksDrk** ugha gSA eksckbZy ,Iyhds"ku] osc iksVZy dh lqj{kk ,oa tkap cSad }kjk fd;k tkrk gSA ;fn dksbZ vkWu ykbZu ysu&nsu djrk gS rks fo:) i{kdkj dz-&3 mls vLohdkj ugha dj ldrkA vkWu ykbZu Hkqxrku bl fo:) i{kdkj dz-&3 ds nk;js ls ijs gSA fo:) i{kdkj dz-& 3 }kjk lsok esa dksbZ deh ugha dh xbZ gSA ifjoknh] fo:) i{kdkj dz -&3 ls dksbZ vuqrks'k izkIr djus dk vf/kdkjh ugha gSA fo:) i{kdkj dzekad&3 dh vksj ls vius rdZ ds leFkZu esa ekuuh; loksZPp U;k;ky; }kjk flfoy vihy dz-& 4584 ,oa 4587@1994 eksxZu LVsuyh E;qpqvy Q.M ,oa vU; fo:) dkfrZd nkl ,oa vU; esa ikfjr vkns"k fnukad&20-05-1994 dk voyacu fy;k gSA 14- ifjoknh dh vksj ls milatkr gksus okys fo}ku vfHkHkk'kd Jh lw;Zdkar "kekZ us lacfa /kr ftyk Qksje }kjk ikfjr vkns'k dk leFkZu djrs gq, vihy vikLr fd;s tkus dk fuosnu fd;k gSA Appeal No. FA/2019/960 Partlly Allowed & Page 7 of 12 Appeal No. FA/2019/1018 Allowed Appeal No. State Bank of India Vs. Umesh Kumar Dewangan & Anr. Order Pronounced FA/2019/960 & Paytm Payments Bank Ltd. Vs. Umesh Kumar Dewangan & Anr. On- 06 .07.2023 FA/2019/1018 15- geus mHk;i{k ds fo)ku vf/koDrkx.k ds vafre rdZ Jo.k fd, rFkk lacfa /kr ftyk Qksje }kjk ikfjr vkns'k ,oa ewy vfHkys[k dk Hkh voyksdu fd;kA 16- mHk;i{kksa dh vksj ls izLrqr vfHkopu] "kiFk&i= ,oa nLrkostksa ls ;g rF; vfookfnr gS fd ifjoknh dk fo:) i{kdkj dz-&1 dh "kk[kk esa ,d cpr [kkrk dzekad&20054167253 la/kkfjr gS tks izn"kZ lh&7 ,oa vks- ih-&1] 2 izn"kZ&6 ls izekf.kr gS ftlesa ifjoknh dk eksckbZy uacj&9300958582 iathd`r gSA fnukad&27-02-2019 ,oa 28-02-2019 dks dqy&06 ckj esa ifjoknh ds mDr cpr [kkrs ls dqy&1]14]399@&¼,d yk[k pkSng gtkj rhu lkS fuU;kucs :Ik;s½ dk vukf/kd`r vkgj.k baVjusV cSafdax ds ek/;e ls dj fy;k x;k tks fd ifjoknh dh vksj ls izLrqr ikl cqd ¼izn"kZ lh&7½ ,oa fo:) i{kdkj dz-&1 ,oa 2 dh vksj ls izLrqr LVsVesaV vkWQ ,dkÅ.V izn"kZ vks- ih-& 1]2&6-1 ,oa 6-2 ls izekf.kr gSA 17- ifjoknh ds fo)ku vfHkHkk"kd dk rdZ gS fd ifjoknh us fnukad&27-02- 2019 dks ifjoknh ds mDr cpr [kkrs ls dqy&1]14]399@&¼,d yk[k pkSng gtkj rhu lkS fuU;kucs :Ik;s½ dk vukf/kd`r vkgj.k baVjusV cSafdax ds ek/;e ls dj fy;s tkus ij rRdky fo:) i{kdkj dz-&1 dh "kk[kk esa tkdj bldh f"kdk;r fd;k vkSj [kkrk gksYM fd;s tkus rFkk vkgfjr jde okil fd;s tkus dk fuosnu fd;kA bl rF; dh iqf'V ifjoknh dh vksj ls izLrqr bZ&esy fnukad&27-02-2019 ¼izn"kZ lh&3½ ftlds }kjk "kk[kk izca/kd] ,l- ch- vkbZ-] irjkikyh "kk[kk jk;x<+ }kjk lkbZcj lsy] is&Vh,e ,oa fjD;wfjVh] is&Vh,e dks bZ&esy ds ek/;e ls [kkrs dks gksYM@LVkWi fd;s tkus dk fuosnu fd;k x;k gS] ls gksrh gSA ifjoknh dh vksj ls fnukad&28-02-2019 dks Fkkuk izHkkjh] jk;x<+ ds le{k mlds [kkrs ls dqy&1]05]399@&¼,d yk[k ikap gtkj rhu lkS fuU;kucs Appeal No. FA/2019/960 Partlly Allowed & Page 8 of 12 Appeal No. FA/2019/1018 Allowed Appeal No. State Bank of India Vs. Umesh Kumar Dewangan & Anr. Order Pronounced FA/2019/960 & Paytm Payments Bank Ltd. Vs. Umesh Kumar Dewangan & Anr. On- 06 .07.2023 FA/2019/1018 :Ik;s½ vkWu ykbZu VªkatsD"ku ds ek/;e ls vkgj.k dj fy;s tkus dh fyf[kr f"kdk;r dh xbZ gS tks izn"kZ lh&1 ls izekf.kr gS rFkk fnukad&01-03-2019 dks Fkkuk Hkwinsoiqj] ftyk jk;x<+ esa izFke lwpuk&i= ntZ djk;k x;k gS ftlesa dqy&1]14]399@& ¼,d yk[k pkSng gtkj rhu lkS fuU;kucs :Ik;s½ /kks[kk/kM+h dj vkgj.k dj fy;k tkuk mYysf[kr gS tks izn"kZ lh&2 ls izekf.kr gS rFkk fo:) i{kdkj dz-&1 ,oa 2 dks bZ&esy ds ek/;e ls fnukad&03-03-2019 dks Hkh f"kdk;r dh xbZ gS tks fd izn"kZ lh&4 ls izekf.kr gSA 18- vkj- ch- vkbZ- }kjk fnukad&06 tqykbZ 2017 dks tkjh xkbZM ykbZu dh dafMdk&6 ,oa 7 fuEukuqlkj gS%& Limited Liability of a Customer
(a) Zero Liability of a Customer
6. A customer's entitlement to zero liability shall arise where the unauthorised transaction occurs in the following events:
(i) Contributory fraud/negligence/deficiency on the part of the bank (irrespective of whether or not the transaction is reported by the customer).
(ii) Third party breach where the deficiency lies neither with the bank nor with the customer but lies elsewhere in the system, and the cutomer notifies the bank within three working days of receiving the communication from the bank regarding the unauthorised transaction.
(b) Limited Liability of a Customer
7. A customer shall be liable for the loss occurring due to unauthorised transaction in the following cases:
(i) In cases where the loss is due to negligence by a customer, such as where he has shared the payment credentials, the customer will bear the entire loss until he reports the unauthorised transaction to the bank. Any loss occurring after the reporting of the unauthorised transaction shall be borne by the bank.
(ii) In cases where the responsibility for the unauthoresed electronic banking transaction lies neither with the bank nor with the customer, but lies elsewhere in the system and when there is a delay (of four to seven working days after receiving the communication from the bank) on the part of the customer in notifying the bank of such s transaction, the per transaction liability of the customer shall be limited to the transaction value or the amount mentioned in Table 1, whichever is lower.Appeal No. FA/2019/960 Partlly Allowed & Page 9 of 12
Appeal No. FA/2019/1018 Allowed Appeal No. State Bank of India Vs. Umesh Kumar Dewangan & Anr. Order Pronounced FA/2019/960 & Paytm Payments Bank Ltd. Vs. Umesh Kumar Dewangan & Anr. On- 06 .07.2023 FA/2019/1018 TAble-1 Maximum Liability of a Customer under paragraph 7 (ii) Type of Account Maximum liability (Rs.) Û BSBD Accounts 5,000. 00 Û All other SB accounts Û Pre-paid Payment Instruments and Gift Cards Û Current/Cash Credit/Overdraft Accounts of MSMEs Û Current Accounts/Cash Credit/Overdraft Accounts of 10.000. 00 Induviduals with annual average balance (during 365 days preceding the incidence of fraud) limit up to Rs. 25 lakh Û Credit cards with limit up to Rs. 5 lakh Û All other Current/Cash Credit/Overdraft Accounts 25,000. 00 Û Credit cards with limit above Rs. 5 lakh Further, if the delay in reporting is beyond seven working days, the customer liability shall be determined as per the bank's Board Approved policy. Banks shall provide the details of their policy in regard to customers' liability formulated in pursuance of these directions at the time of opening the accounts. Banks shall also display their approved policy in public domain for wider dissemination. The existing customer must also be individually informed about the bank's policy."
mDr xkbZM ykbZu dh dafMdk&7¼i½ ds vuqlkj ;fn vukf/kd`r :i ls dksbZ [kkrs ls iSls vkgj.k dj ysrk gS vkSj mldh f'kdk;r miHkksDrk }kjk dh tkrh gS vkSj mlds ckn Hkh mlds [kkrs ls iSls vkgj.k gksrs gSa rHkh mlds fy, cSad ftEesnkj gksxkA bl izdj.k esa ifjoknh us Lo;a vius Qksu esa fnukad&27-02- 2019 dks VªkatsD'ku vkbZ- Mh- ds ek/;e ls fyad 'ks;j fd;k gS ftlds dkj.k mlds [kkrs ls jkf'k vkgj.k gq, gSa tks fd nLrkost izn'kZ vks-ih-&1 o 2& 5-1 ls 5-3 esa mYysf[kr gSA bl izdkj ;g Li"V gS fd ifjoknh dh Lo;a dh ykijokgh ds dkj.k mlds [kkrs ls mDr jkf'k dk vkgj.k gqvk gS ] fdarq ifjoknh }kjk fnukad&27-02-2019 dks Lo;a tkdj cSad esa f"kdk;r fd;s tkus ds ckn Hkh fnukad&28-02-2019 dks mlds mDr [kkrs ls baVjusV cSafdax ds ek/;e ls 9]000@&¼ukS gtkj :Ik;s½ dk vkgj.k dj fy;k x;k gS] tcfd cSad dks pkfg, Fkk fd ifjoknh }kjk fnukad&27-02-2019 dks f"kdk;r fd;s tkus ds ckn mlds [kkrs dks gksYM dj fn;k tkrk vkSj lwpuk izkIr gksus ds i'pkr~ fdlh izdkj dk dksbZ Hkqxrku ifjoknh ds [kkrs ls ugha gksus fn;k tkrk] fdarq ifjoknh }kjk Appeal No. FA/2019/960 Partlly Allowed & Page 10 of 12 Appeal No. FA/2019/1018 Allowed Appeal No. State Bank of India Vs. Umesh Kumar Dewangan & Anr. Order Pronounced FA/2019/960 & Paytm Payments Bank Ltd. Vs. Umesh Kumar Dewangan & Anr. On- 06 .07.2023 FA/2019/1018 fnukad&27-02-2019 dks f"kdk;r fd;s tkus ds ckn Hkh mlds [kkrs dks gksYM ugha fd;k x;k vkSj mlds [kkrs ls fnukad&28-02-2019 dks 9]000@&¼ukS gtkj :Ik;s½ dk vkgj.k baVjusV cSafdax ds ek/;e ls dj fy;k x;k tks fd vkj- ch- vkbZ- }kjk tkjh ldqZyj fnukad&06 tqykbZ 2017 dh xkbZM ykbZu dh dafMdk&7¼i½ dk mYya?ku gS ftlds fy, fo:) i{kdkj dz-&1 ,oa 2 ftEesnkj gaSA 19- vkj- ch- vkbZ- }kjk fnukad&06 tqykbZ 2017 dks tkjh xkbZM ykbZu dh dafMdk&7 ¼i½ esa ;g mYysf[kr gS fd In cases where the loss is due to negligence by a customer, such as where he has shared the payment credentials, the customer will bear the entire loss until he reports the unauthorised transaction to the bank. Any loss occurring after the reporting of the unauthorised transaction shall be borne by the bank. fdarq lacfa /kr ftyk Qksje us ifjoknh }kjk cSad dks f'kdk;r fd;s tkus ds vk/kkj ij vukf/kd`r :i ls vkgfjr jkf'k&1]14]399@&¼,d yk[k pkSng gtkj rhu lkS fuU;kucs :Ik;s½ dk Hkqxrku fo:) i{kdkjx.k }kjk ifjoknh dks fd;s tkus gsrq vknsf'kr fd;k gS tks fd =qfViw.kZ gS vkSj fLFkj j[ks tkus ;ksX; ugha gSA 20- tgka rd fo:}+ i{kdkj dzekad&3 dk laca/k gS] fo:}+ i{kdkj dzekad&3 }kjk ifjoknh dks fdlh izdkj dh lsok iznku ugha dh xbZ gS vkSj u gh lsok ysus ds lac/a k esa ifjoknh }kjk fo:}+ i{kdkj dzekad&3 dks dksbZ izR;{k izfrQy vnk fd;k x;k gS blfy, ifjoknh ,oa fo:}+ i{kdkj dzekad&3 ds e/; **miHkksDrk** ,oa **lsok iznkrk** dk lac/a k ugha gSA bl laca/k esa ekuuh; U;k; n`"Vkar&Bishamber Lal Narang Vs. Bank of India, Laws (NCD) 1995 8 70 and Virendra Prasad Vs. Reserve Bank of India, Laws (NCD) 1990 73 voyksduh; gSA Appeal No. FA/2019/960 Partlly Allowed & Page 11 of 12 Appeal No. FA/2019/1018 Allowed Appeal No. State Bank of India Vs. Umesh Kumar Dewangan & Anr. Order Pronounced FA/2019/960 & Paytm Payments Bank Ltd. Vs. Umesh Kumar Dewangan & Anr. On- 06 .07.2023 FA/2019/1018 21- fo:) i{kdkj dzekad&3 dh vksj ls izLrqr U;k; n`'Vkar eksxZu LVsuyh E;qpqvy Q.M ,oa vU; fo:) dkfrZd nkl ,oa vU; ¼mijksDr½ bl izdj.k ds rF;ksa ls fHkUu gksus ds dkj.k mldk ykHk fo:) i{kdkj dz-&3 dks ugha feyrk gSA 22- mijksDr lai.w kZ foospuk i'pkr~ ge bl fu"d"kZ ij igaqprs gSa fd ifjoknh] fo:) i{kdkj dz-&3 dk **miHkksDrk** ugha gS vkSj fo:) i{kdkj dz-&3 }kjk ifjoknh ds izfr fdlh izdkj dh lsok esa deh ugha dh xbZ gSA lacfa /kr ftyk Qksje us mDr rF;ksa ij /;ku fn, fcuk gh vkyksP; vkns'k ikfjr fd;k gS tks fd =qfViw.kZ gS vkSj fLFkj j[ks tkus ;ksX; ugha gSA 23- vr% fo:) i{kdkj dzekad&3 dh vksj ls izLrqr vihy Lohdkj fd;k tkrk gS ,oa fo:} i{kdkj dzekad&1 ,oa 2 dh vksj ls izLrqr vihy vkaf"kd :Ik ls Lohdkj fd;k tkrk gS ,oa lacaf/kr ftyk Qksje }kjk izdj.k dzekad&lhlh@2019@170 esa ikfjr vkns"k fnukad&14-11-2019 dks la"kksf/kr djrs gq, vknsf"kr fd;k tkrk gS fd fo:) i{kdkj dz-&1 ,oa 2 vkns"k fnukad ls 01 ekg ds Hkhrj %& 01- ifjoknh dks la;qDr ,oa i`Fkd&i`Fkd :Ik ls 9]000@&¼ukS gtkj :Ik;s½ e; ifjokn izLrqfr fnukad&08-05-2019 ls vnk;xh fnukad rd 06 izfr"kr okf'kZd dh nj ls C;kt lfgr vnk djsx a sA 02- ifjoknh dks "kkjhfjd ,oa ekufld {kfriwfrZ ds :Ik esa 5]000@&¼ikap gtkj :Ik;s½ rFkk okn O;; ds :Ik esa 3]000@&¼rhu gtkj :Ik;s½ vnk djsx a sA 03- vkns"k dk ikyu ugha fd;s tkus ij mDr leLr jkf"k ij 09 izfr"kr okf'kZd dh nj ls C;kt ns; gksxkA ¼ xksiky panz "khy ½ ¼ izeksn dqekj oekZ ½ lnL; lnL;
Pronounced on- 06th July 2023 Appeal No. FA/2019/960 Partlly Allowed & Page 12 of 12 Appeal No. FA/2019/1018 Allowed