State Consumer Disputes Redressal Commission
Abhay Thakur vs Axis Bank on 4 October, 2023
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vihykFkhZ dh vksj ls lqJh eksuk ikyhoky] vf/koDrkA izfrvihykFkhZ dh vksj ls dksbZ mifLFkr ughaA vkns'k ¼fnuakd 04@10@2023 dks ikfjr½ ekuuh; lnL; Jh Mh-ds-JhokLro vuqlkj %& 2 izFke vihy Øekad % 58@2015 1- izLrqr vihy] miHkksDrk laj{k.k vf/kfu;e] 1986 dh /kkjk 15 ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] lkxj ¼ftyk vk;ksx½ ds ifjokn izdj.k Øekad&144@2013] vHk; Bkdqj fo:) izca/kd] ,fDll cSad s ] oh-lh-caxyk ds lkeus] 10] flfoy ykbZu] lkxj esa ikfjr vkns'k fnuakd 30-12-2014 ds fo:) izLrqr dh xbZ gS] ftlds }kjk fo}ku ftyk vk;ksx ds }kjk ifjokn dks fujLr fd;k x;k gSA 2- fo}ku ftyk vk;ksx ds }kjk vius vihykUrxZr vkns'k dh df.Mdk&14 ,oa 15 esa ;g rF; O;Dr fd;k x;k gS fd] tgk¡ rd ifjoknh ds djaV vdkmaV [kkrs esa fujarj rhu ekg rd laO;ogkj ugha djus dh n'kk esa] mldk [kkrk fu;ekuqlkj can dj fn;s tkuk pkfg;s Fkk] dk iz'u jgk gS fdUrq ifjoknh dh vksj ls ,slk dksbZ fu;e izdj.k esa izLrqr ugha fd;k x;k gS] ftlds vk/kkj ij foi{kh cSad] ifjoknh dk [kkrk can djus ds fy;s dRrZO; ds v/khu jgk gksA ,slh n'kk esa ;g ugha ekuk tk ldrk gS fd] foi{kh cSad ds }kjk ifjoknh dk [kkrk ml le; can dj nsuk pkfg, Fkk] tc ifjoknh ds }kjk [kkrk esa laO;ogkj can dj fn;k x;k gksA blh izdkj ls] foi{kh ds }kjk ifjoknh dk pkyw [kkrk ls :i;s 2]37]995@& dh dVkSrh djrs gq;s] lsok esa deh ugha fd;s tkus dk rF; lkfcr ikrs gq;s] ifjokn dks fujLr fd;k x;k gS rFkk mHk;i{k dks viuk&viuk okn O;; Lo;a ogu djus gsrq vknsf'kr fd;k x;k gSA 3- mDr vkns'k ls vlarq"V gksdj ifjoknh ds }kjk ;g vihy fuEu vk/kkjksa ij izLrqr dh xbZ gS %& ¼1½ ftyk vk;ksx dk vihykUrxZr vkns'k fnuakd 30-12-2014 fof/k fo:) gksdj] rF;ksa ls ijs gksus ds dkj.k vikLr fd;s tkus ;ksX; gSA ftyk vk;ksx ds }kjk bl egRoiw.kZ rF; ij /;ku ugha fn;k x;k fd] tks jde] izfrvihykFkhZ cSad ds }kjk dkVh xbZ gS] mDr jde ckcr~ nksuksa i{kksa ds e/; dksbZ Hkh vuqca/k ugha gqvk FkkA 3 izFke vihy Øekad % 58@2015 ¼2½ ftyk vk;ksx ds }kjk] bl egRoiw.kZ rF; ij Hkh /;ku ugha fn;k x;k fd] izfrvihykFkhZ ds }kjk izdj.k esa ,slh dksbZ Hkh lk{; ;k nLrkost izLrqr ugha fd;s x;s] ftlls ;g lkfcr gks lds fd vihykFkhZ ds [kkrs ls tks Hkh jkf'k dkVh xbZ gS] og fu;ekuqlkj jgh gSA ¼3½ ftyk vk;ksx ds }kjk bl egRoiw.kZ rF; ij Hkh /;ku ugha fn;k x;k fd] izfrvihykFkhZ }kjk ,slh dksbZ lk{; ;k nLrkost izdj.k esa izLrqr ugha fd;k x;k gS ftlls ;g lkfcr gks fd] vihykFkhZ dks izfrekg vkSlr ds :i esa :i;s 5]00]000@& U;wure cSysal [kkrs esa j[kuk vfuok;Z FkkA ¼4½ ftyk vk;ksx ds }kjk bl egRoiw.kZ rF; ij Hkh /;ku ugha fn;k x;k fd] izfrvihykFkhZ dk ;g dguk fd] vihykFkhZ us [kkrs esa U;wure jkf'k ebZ ] 2008 ls ekpZ] 2013 rd tek ugha j[kk x;k Fkk] bl otg ls pktZ dkVs x;s gSa vkSj mDr pktZ dks og fu;ekuqlkj olwy djus dk vf/kdkjh jgk gSA foi{kh cSad ds }kjk ebZ] 2008 ls ekpZ] 2013 ds e/;] ,slh dksbZ Hkh lwpuk ;k uksfVl] ifjoknh@[kkrsnkj@vihykFkhZ dks mijksDr pktZ dkVs tkus lEcU/kh miyC/k ugha djkbZ vkSj u gh vihykFkhZ dks dHkh Hkh bl ckr dh tkudkjh nh xbZ fd] mls vius [kkrs esa izfrekg vkSlru 5 yk[k dk cSysal eSUVsu djds pyuk gksxkA ¼5½ eku~uh; ftyk vk;ksx ds }kjk] bl rF; ij Hkh /;ku ugha fn;k x;k fd] eku~uh; ftyk vk;ksx ds le{k izfrvihykFkhZ us [kkrk [kksyus ckcr~] tks vihykFkh dk vkosnu i= izLrqr fd;k x;k gS] og cny fn;k x;k gS rFkk tks vkosnu vihykFkhZ ds }kjk izLrqr fd;k x;k Fkk] mlds LFkku ij izfrvihykFkhZ }kjk fcydqy gh vyx vkosnu ftyk vk;ksx ds le{k izLrqr fd;k x;k gSA vihykFkhZ ds }kjk izdj.k esa [kkrs ds LVsVesaV dh izfr Hkh izLrqr dh xbZ Fkh] ftl ij fo'okl u dj] ftyk vk;ksx ds }kjk vkns'k ikfjr 4 izFke vihy Øekad % 58@2015 fd;k x;k gS] tks fujLr fd;s tkus ;ksX; gS vkSj bl izdkj vihykFkhZ dh vksj ls izLrqr leqfpr lk{;] e; nLrkostksa ds izLrqr fd;k x;k Fkk] ftu ij /;ku fn;s cxSj gh ftyk vk;ksx ds }kjk viuk mDr vkns'k ikfjr fd;k x;k gSA ftyk vk;ksx ds }kjk bl rF; ij Hkh /;ku ugha fn;k x;k fd] izfrvihykFkhZ cSad ds }kjk lsok esa deh ,oa vuqfpr O;kikj izFkk dh Js.kh esa vkus okyk d`R; fd;k x;k gSA 4- QyLo:i vihykFkhZ dh vihy dks Lohdkj djrs gq;s] ftyk vk;ksx ds }kjk ikfjr vihykUrxZr vkns'k fnukad 30-12-2014 dks vikLr fd;s tkus rFkk ifjokn i= ds vuqlkj pkgh x;h lgk;rk fnyk;s tkus dh izkFkZuk dh xbZ gSA 5- mijksDr vihy ij vihykFkhZ@ifjoknh ds fo}ku vf/koDrk ds rdZ Jo.k fd;s x;sA izfrvihykFkhZ@foi{kh cSad dh vksj ls dksbZ Hkh mifLFkr ugha gqvkA ftyk vk;ksx ds vihykUrxZr vkns'k fnuakd 30-12-2014 ,oa ftyk vk;ksx ds izdj.k esa miyC/k mHk;i{k ds vfHkopu] 'kiFk i= ,oa nLrkostksa dk Hkh voyksdu fd;k x;kA vihy ds vk/kkjksa ij fopkj fd;k x;kA 6- izLrqr vihy ds fujkdj.k gsrq fuEufyf[kr fopkj.kh; iz'u mRiUu gksrs gSa %& ¼v½ D;k vihykUrxZr vkns'k fnuakd 30-12-2014 =qfViw.kZ gS \ ¼c½ D;k mDr vkns'k vikLr fd;s tkus ;ksX; gS \ @@ fopkj.kh; iz'ukas ij fu"d"kZ @@ 7- ifjoknh ds }kjk viuk ifjokn] bl vk/kkj ij izLrqr fd;k x;k Fkk fd] ifjoknh dk ,d [kkrk lsUVªy cSad vkWQ bf.M;k esa iwoZ ls vfLrRo esa Fkk] ftlesa mlds }kjk flfoy ykbZu] lkxj esa fLFkr isVªksy iEi] ftldk og ikVZuj ,oa lapkyd gS] mlesa 5 izFke vihy Øekad % 58@2015 isVªksy foØ; ls izkIr gksus okyh jkf'k dks tek fd;k tkrk Fkk ijUrq foi{kh cSad ds ,tsaV ds }kjk fo'ks"k lqfo/kk ,oa thjks cSysal ds lkFk fu;fer [kkrk [kksyus gsrq vkxzg fd;s tkus gsrq ifjoknh ls lEidZ fd;k x;k rFkk ckj&ckj vkxzg djus ij] ifjoknh ds }kjk foi{kh cSad esa o"kZ 2008 esa esllZ y{ehukjk;.k cznlZ ds uke ls ,d fu;fer [kkrk Øekad 612010200000204 [kksyk x;k Fkk rFkk mDr cSad [kkrs esa ifjoknh ds }kjk isVªksy foØ; ls izkIr jkf'k dks tek djk;k x;k rFkk vko';drkuqlkj fudkyk Hkh x;k fdUrq foi{kh ds }kjk ifjoknh ds [kkrs ls ,d ekg dh vYi vof/k esa gh dbZ ckj eaFkyh ,ojst cSysal pktZ] gkse czkap ds'k fMikWftV pktZ] vkj-Vh-th-,l- pktZ] ,oa iSuy VSfjQ pktZ bR;kfn ds :i esa ifjoknh ds [kkrs ls vuko';d :i ls jkf'k dkVh tkus yxh rFkk ifjoknh ds }kjk foi{kh cSad esa] tks psd tek djk;s x;s Fks] mDr psdksa dh lEiw.kZ jkf'k pktZ ds :i esa dkV yh xbZ rFkk mDr leLr pktZ ds :i esas dkVh xbZ jkf'k;ksa dh tkudkjh ysus ds fy;s ifjoknh ds }kjk foi{kh cSad esa lEidZ fd;k x;k ,oa fyf[kr esa vkosnu fn;k x;k ijUrq foi{kh }kjk dksbZ lVhd mRrj ugha fn;k x;kA bl izdkj] foi{kh cSad ds }kjk ifjoknh ds mDr [kkrs ls o"kZ 2008 ls ysdj o"kZ 2013 rd] fofHkUu le;ksa ij dqy :i;s 2]37]995@& dh jkf'k vuko';d pktZ ds :i esa dkV yh xbZ gS vkSj bl izdkj foi{kh cSad ds }kjk ifjoknh dks nh tkus okyh cSafdax lsok esa deh dh xbZ gS rFkk vuqfpr O;kikj&O;ogkj fd;k x;k gS blfy, foi{kh cSad ls mijksDr jkf'k rFkk ifjoknh dks dkfjr gqbZ vkfFkZd ,oa ekufld uqdlkuh ds :i esa] {kfriwfrZ jkf'k] bl izdkj :i;s 5]00]000@& dqy :i;s 7]37]995@& rFkk mDr jkf'k ij izpfyr C;kt nj ls C;kt Hkh ifjokn izLrqfr fnuakd ls Hkqxrku fnuakd rd fnyk;s tkus dh izkFkZuk dh xbZ gSA 8- foi{kh cSad ds }kjk] ;g rks Lohdkj fd;k x;k gS fd] foi{kh cSad ds }kjk ifjoknh ls mldk [kkrk [kksyus ds fy;s lEidZ fd;k x;k Fkk rFkk ifjoknh }kjk foi{kh cSad esa viuk [kkrk [kksyk x;k Fkk ijUrq ;g O;Dr fd;k x;k gS fd] ifjoknh dks og lHkh lqfo/kk izkIr Fkh] tks fd cSad ds vU; leku [kkrk/kkjdksa dks izkIr gqbZ FkhA ifjoknh dks vyx ls dksbZ lqfo/kk iznku djus dk foi{kh cSad ds }kjk dksbZ Hkh vk'oklu ugha fn;k x;k 6 izFke vihy Øekad % 58@2015 FkkA foi{kh ds }kjk ifjoknh ds [kkrs ls vuko';d :i ls dksbZ Hkh pktZ ugha dkVk x;k Fkk vfirq tks pktZ ifjoknh ls fy;s x;s gSa] og fu;ekuqlkj ns; Fks rFkk [kkrk [kksyrs le; gh ifjoknh dks foi{kh ds }kjk fy;s tkus okys lHkh pktZ ls voxr djk fn;k x;k FkkA rRi'pkr~ ifjoknh }kjk [kkrk [kksyus ds leLr fu;e ,oa 'krksZa dks eatwj djrs gq;s gh viuk [kkrk [kksyk x;k FkkA ifjoknh ls olwy fd;s x;s pktZ ds ckjs esa ifjoknh tkudkjh gkfly djus cSad vk;k rks mls cSad ds }kjk leLr tkudkjh iznku dh xbZ FkhA ifjoknh dks ;g rF; Kkr gS fd ifjoknh ds [kkrs ls mijksDr jkf'k;ksa dks foi{kh cSad ds }kjk D;ksa dkVh xbZ gS \ rFkk bl rF; ls bUdkj fd;k x;k Fkk fd ;fn rhu ekg rd [kkrk esa ysu&nsu ugh gksxk rks [kkrk vLFkkbZ :i ls can gks tkrk gSA ifjoknh ds }kjk vius cSad [kkrs esa U;wure jkf'k tek ugha j[kh xbZ Fkh blfy, ifjoknh }kjk U;wure cSysal u j[kus ds dkj.k olwyh dk i= Hkh mls Hkstk tkrk jgk gSA bl izdkj] ifjoknh] foi{kh cSad ds }kjk dkVh xbZ jkf'k :i;s 2]37]995@& rFkk ekufld uqdlkuh ds :i esa :i;s 5]00]000@& dqy :i;s 7]37]995@& ikus dk vf/kdkjh ugha jgk gSA 9- foi{kh cSad }kjk] ifjoknh dks ;g crk;k x;k Fkk fd [kkrs esa izfrekg vkSlr :i ls :i;s 1]00]000@& U;wure cSysl a j[kuk gksxk rFkk ifjoknh }kjk foi{kh cSd as esa [kkrk [kksyrs gq;s] ,d ?kks"k.kk&i= Hkh fu"ikfnr fd;k x;k Fkk] ftlesa ifjoknh }kjk ;g lgefr nh xbZ Fkh fd] caSd }kjk le;≤ ij fy;s tkus okys pktZ ,oa vU; 'krksZa ls og ck/; jgsxk rFkk le;≤ ij gksus okys ifjorZu ls Hkh og fcuk dksbZ iwoZ lwpuk ds mls ekU; gksx sa sA foi{kh cSad ds }kjk ifjoknh dks mlds }kjk [kksys x;s pkyw [kkrk lEcfU/kr funZsf'kdk o fu;e Hkh fn;s x;s Fks] ftlesa U;wure cSysal ugah gksus ij pktZ olwy djus lEcU/kh fu;e Hkh FkkA bl izdkj ifjoknh dks ;g vkifRr ysus dk vf/kdkj ugha gS fd foi{kh cSad ds }kjk mlds [kkrs ls dksbZ xyr pktZ olwy fd;s x;s gSaA 10- ifjoknh dk pkyw [kkrk fnuakd 24-04-2008 dks vixzsM fd;k x;k Fkk rFkk mls C.A.B.P.L. Scheme ¼Current Account Business Privilege Scheme½ esa 'kkfey 7 izFke vihy Øekad % 58@2015 fd;k x;k Fkk] ftlds vuqlkj ifjoknh dks mlds [kkrs esa vkSlr 5 yk[k dk U;wure cSysal j[kuk vfuok;Z Fkk] bldh tkudkjh Hkh ifjoknh dks ns nh xbZ Fkh ijUrq ifjoknh us vius pkyw [kkrs esa U;wure jkf'k ebZ 2008 ls ekpZ 2013 rd tek ugha j[kh xbZ blfy, ifjoknh ds [kkrs ls tks Hkh pktZ dkVk x;k gS] mDr pktZ foi{kh cSad ds }kjk fu;ekuqlkj gksus ls ifjoknh] foi{kh ls] mls olwy@izkIr djus dk vf/kdkjh ugha gS vkSj bl izdkj ds pktZ olwyh dks] eku~uh; loksZPp U;k;ky; ds }kjk Hkh lgh Bgjk;k x;k gSA bl izdkj] ifjoknh ds [kkrs ls tks Hkh pktZ fy;s x;s gSa] og fu;ekuqlkj gh jgs gSaA foi{kh }kjk lsok esa dksbZ Hkh deh ugha dh xbZ gS vkSj u gh vuqfpr O;kikj&O;ogkj fd;k x;k gS blfy, ifjoknh] foi{kh ls dksbZ Hkh jkf'k izkIr djus dk vf/kdkjh ugha gS] QyLo:i ifjokn dks fujLr fd;s tkus dh izkFkZuk dh xbZ gSA 11- mijksDr lUnHkZ esa ifjoknh vHk; Bkdqj ds }kjk vius 'kiFk i= fnuakd 06-05-2013 ,oa fnuakd 13-11-2013 ds }kjk ifjokn ds rF;ksa dh iqf"V dh xbZ gSA blds foijhr foi{kh dh vksj ls vius tokc ds leFkZu esa xkSre jk;] 'kk[kk izcU/kd] ,fDll cSad] lkxj dk 'kiFk i= fnuakd 11-09-2013 izLrqr fd;k x;k gS] ftlesa muds }kjk vius tokc ds rF;ksa dh iqf"V dh xbZ gSA 12- ifjoknh dh vksj ls izLrqr nLrkostksa ls ;g rks izdV gS fd] ifjoknh] esllZ y{ehukjk;.k cznlZ ds lapkyd@ikVZuj dh gSfl;r ls foi{kh cSad esa Current Account- Business Privilege Scheme ds rgr viuk [kkrk [kksyk x;k FkkA foi{kh cSad ds }kjk ftyk vk;ksx ds izdj.k esa ist 41] 42 esa ifjoknh ds }kjk [kkrk [kksyus lEcU/kh tks QkeZ Hkjk x;k Fkk] mldh izfr izLrqr dh xbZ gS] ftlds i`"B 42 ij Section XIV- DECLARATION ij ifjoknh vHk; Bkdqj }kjk y{ehukjk;.k cznlZ ds ikVZuj ds crkSj vius gLrk{kj fd;s x;s Fks rFkk vU; ikVZuj vkHkkjkuh Bkdqj ds Hkh gLrk{kj fd;s x;s gSaA mDr fMDys;js'ku esa bl rF; dk mYys[k gS fd] muds }kjk cSad esa djaV vdkmaV lEcU/kh] tks Hkh fu;e gSa] mUgsa i<+ fy;k x;k gS rFkk mDr 'krsZa ,oa fu;e ds vuqlkj] cSad ds }kjk 8 izFke vihy Øekad % 58@2015 tks "Schedule of Charges" gS] ml ij og lger gSa rFkk mldk ikyu lqfuf'pr djus] mDr QkeZ dks fnuakd 17 ekpZ 2008 dks Hkjk tkuk izdV gks jgk gSA mDr QkeZ dks] ifjoknh us vius ifjokn esa foi{kh }kjk cny fn;s tkus ds rF; dks crk;k gS] ijUrq i`"B 42 ij tks QkeZ ifjoknh ds }kjk Hkjk tkuk foi{kh cSd a us vk/kkfjr fd;k gS] ml ij ifjoknh ds gLrk{kj ugha gSa] ,slk] ifjoknh ds }kjk ugha crk;k x;k gS] blfy, foi{kh cSad }kjk ifjoknh dk QkeZ cny fn;s tkus dh dgkuh dks Lohdkj ;ksX; ugha ik;k tkrk gSA 13- mijksDr fMDys;js'ku esa] tks Hkh fu;e ,oa 'krsZa foi{kh cSad dh vksj ls muds vf/kdkj ,oa nkf;Ro ds lUnHkZ esa crk;s x;s gSa] mldks ikyu djus gsrq ifjoknh lger jgk gSA mDr 'krksZa esa tks dLVej dk vf/kdkj ,oa mlds nkf;Ro] dkWye uEcj 5 esa crk;s x;s gSa] mlesa bl rF; dk mYys[k jgk gS fd] dLVej ds }kjk cSad dks ;g vf/kd`r fd;k tkrk gS fd] mlds [kkrs ls cSad ds izfr tks nkf;Ro] ifjoknh dk gksxk] mldh mDr lEcU/kh jkf'k cSad mlds [kkrs ls dVkSrh djus ds fy;s vf/kd`r gksxkA 14- mDr lUnHkZ esa] ifjoknh dh vksj ls tks nLrkost is'k fd;s x;s gSa] tks ftyk vk;ksx ds izdj.k esa i`"B 29 yxk;r 39 ds nLrkost jgs gSa] mlds vuqlkj ;g rks izdV gS fd] foi{kh cSad ds }kjk ifjoknh ds djaV vdkmaV [kkrk Øekad 612010200000204 ls fofHkUu le;ksa esa fnuakd 08-01-2010 ls 12-01-2012 rd :i;s 2]15]605-37 dh dVkSrh dh xbZ gS] tks fd Monthly Avg. Balance Charges, RTGS Charges, Home Branch Cash Dep. Charges, Penal Tariff Charges bR;kfn jgs gSa] mUgsa dkVk x;k gS rFkk psd cqDl pktsZl Hkh fy;k x;k gS rFkk bl lUnHkZ esa ifjoknh }kjk izLrqr nLrkost] tks ftyk vk;ksx ds izdj.k esa i`"B 35] 36 ij gS] mlesa foi{kh cSad ds }kjk ifjoknh ds vf/koDrk }kjk fn;s x;s uksfVl dk tokc fnuakd 10-04-2013 ds lUnHkZ esa] ifjoknh QeZ dks ;g lwfpr fd;k x;k gS fd] fnuakd 24-04-2008 dh Ldhe ds vuqlkj] Current Account- Business Privilege Scheme, tks fd fnuakd 24-04-2008 dks izkjaHk dh xbZ gS] mlds vUrxZr mldk djaV vdkmaV vixzsM fd;k x;k gS rFkk mls eaFkyh ,ojst cSysal :i;s 5]00]000@& vius 9 izFke vihy Øekad % 58@2015 djaV vdkmaV [kkrs esa esVa su djuk gSA mDr i= fnuakd 17-04-2013 dk gS ijUrq ebZ 2008 ls Qjojh 2013 dk tks LVsVesVa izLrqr fd;k x;k gS] mlesa ifjoknh ds [kkrs esa :i;s 5]00]000@& dk cSyl sa fdlh Hkh frfFk ij ekStwn gksuk nf'kZr ugha gks jgk gSA ,slh n'kk esa uku&esaVsul sa pktZ ds :i esa] foi{kh cSad ds }kjk ifjoknh ds [kkrs ls le;≤ ij jkf'k;ksa dh Hkh dVkSrh dh xbZ gSA 15- ifjoknh dh vksj ls mldk tks lsUVªy cSad esa [kkrk jgk gS] mDr [kkrk dk fooj.k Hkh izLrqr fd;k x;k gS ijUrq mDr [kkrs lEcU/kh fooj.k dk dksbZ Hkh vkSfpR; fofnr ugha gks jgk gS D;ksfa d ifjoknh ds }kjk ftu 'krksZa ds rgr foi{kh ,Dlhl cSad esa [kkrk [kksyk x;k gS] mldk ikyu djus ds nkf;Ro ds og v/khu jgk gS rFkk bl lUnHkZ esa foi{kh cSad dh vksj ls izLrqr nLrkost] tks ftyk vk;ksx ds izdj.k esa i`"B 52] 53 ij gS] mlds vuqlkj Busness Classic (MAB) djaV vdkmaV esa U;wure :i;s 1]00]000@& rFkk Busness Privilege esa U;wure :i;s 5]00]000@& eaFkyh ,ojst cSysal j[kuk vko';d jgk gSA blds vykok vU; tks izHkkj gksrs gSa] mlesa Home Branch Deposit, Non Hone Branch Deposit, Home Branch Withdrawal, Non Home Branch Withdrawal, Local Cheque Collection and Payments of Home Branch Location, Fund Transfer, Chequebook Charges, Account Maintenance Chages bR;kfn 'kh"kksZa ds vUrxZr dVkSrh fd;s tkus dk rF; crk;k x;k gSA blds vykok Non Maintenance of MAB rFkk Cash Transations, Non Home Branch Deposit bR;kfn 'kh"kksZa ds vUrxZr gh jkf'k dVkSrh djus dk mica/k crk;k x;k gSa A blh izdkj dk rF; i`"B 53 ds nLrkostksa ij Hkh cSad ds }kjk tks dkeu pktsZl dVkSrh dh tkrh gS] mlds lUnHkZ esa Hkh tkudkjh nh xbZ gS rFkk ifjoknh dk djaV vdkmaV ] tks foi{kh cSad esa jgk gS] ml [kkrs dk fnuakd 17-03-2008 ls fnuakd 28-09-2013 rd dk [kkrs dk fooj.k Hkh fn;k x;k gS] ftlds vuqlkj le;≤ ij foi{kh cSad ds }kjk fy;s tkus okys pktZ dh dVkSrh dh xbZ gSA 10 izFke vihy Øekad % 58@2015 16- eku~uh; loksZPp U;k;ky; ds }kjk vius fu.kZ; ARCHANA M KAMATH V/S CANARA BANK, Civil Appeal Case No: 14562-14563 / 1996,/(2003) 4 SCC 683/ 2003 LawSuit(SC) 153 esa fuEukuqlkj fl)kUr izfrikfnr fd;k x;k gS %& The fact which cannot escape notice is that recently there has been a large scale change and improvement in the working and method and manner of functioning of various institutions, including Banks. Very many services, which were not available earlier, have been introduced with the aid of mechanical and technological devices. Introduction of computerisation has its own effect; one of which is introduction of MICR cheques. There is no denying of the fact, from either side, that it facilitates the clearance of the cheques and avoids unduly long time consuming process in cheque clearance, which are issued by the customers within the city or in any other part of the country. Therefore, to say that it was only for the facility of the Bank itself that the MICR was introduced, would not be correct nor the argument that it could not be permissible for the Bank to make up some amount of the cost incurred in introducing the new and modern infrastructure for improving its working. We also feel that for such small charges necessitated due general modernisation of its functioning and services, the question of it being unilateral, does not arise nor the question of consent of each customer.
11izFke vihy Øekad % 58@2015 17- mijksDr ifjfLFkfr;ksa dks ns[krs gq;s] pwfa d ifjoknh dk [kkrk djaV vdkmaV CA- Business Privilege [kkrk jgk gS] ftlesa ns; izHkkj ¼Charges½ ftudh dVkSrh ifjoknh ds [kkrs ls cSad ds }kjk nh tkus okyh lsokvksa ds lEcU/k esa jgk gS] ftldks foi{kh cSad ds }kjk vius i`"B 52 ,oa 53 ds nLrkostksa esa crk;k x;k gS rFkk i`"B 54 ij tks ifjoknh dk [kkrk dk fooj.k izLrqr fd;k x;k gS] mlds voyksdu ls ;g ik;k tkrk gS fd] ifjoknh ds }kjk vius mijksDr djaV vdkmaV esa cSad }kjk fu/kkZfjr U;wure cSysl a jkf'k dks eSaVsu ugha j[kk x;k gS blfy, foi{kh cSad ds }kjk mDr 'kh"kZd ds vUrxZr le;≤ ij jkf'k;ka ifjoknh ds [kkrs ls dVkSrh dh xbZ gSaA blh izdkj ls vU; cSfdax lsokvksa ds fy;s Hkh mDr [kkrs ls jkf'k dh tks dVkSrh dh xbZ gS] og cSd a ds }kjk fu;ekuqlkj gh dh xbZ gS] ftldk mYys[k ftyk vk;ksx ds }kjk vius vihykUrxZr vkns'k fnuakd 30-12-2014 esa fd;k x;k gSA 18- gekjs er esa mijksDr vihykUrxZr vkns'k esa ,slh dksbZ Hkh voS/kkfudrk vFkok rF;kRed =qfV nf'kZr ugha gks jgh gS ftlls fd mDr vkns'k esa jkT; vk;ksx ds }kjk fdlh izdkj dk gLr{ksi fd;s tkus dh dksbZ Hkh vis{kk nf'kZr gksrh gksA 19- QyLo:i vihykFkhZ dh ;g vihy Lohdkj ;ksX; ugha ikrs gq;s] vfirq fujLr fd;s tkus ;ksX; gksus ls] rn~uqlkj fujLr dh tkrh gSA 20- bl vihy dk O;; mHk;i{k Lor% viuk&viuk ogu djsaxsA ¼,-ds-frokjh½ ¼MkW- JhdkUr ik.Ms;½ ¼Mh-ds-JhokLro½ ihBklhu lnL; lnL; lnL;
e-iz-jkT; miHkksDrk fookn e-iz-jkT; miHkksDrk fookn e-iz-jkT; miHkksDrk fookn izfrrks"k.k vk;ksx] Hkksiky izfrrks"k.k vk;ksx] Hkksiky izfrrks"k.k vk;ksx] Hkksiky xtsUnz 12 izFke vihy Øekad % 58@2015 vHk; Bkdqj fo:) ,fDll cSad] fopkjkFkZ ¼Mh-ds-JhokLro½ lnL;
eku~uh; Jh ,-ds-frokjh % ihBklhu lnL;
eku~uh; MkW- JhdkUr ik.Ms; % lnL;
¼fnuakd 04@10@2023 dks fu;r½
¼,-ds-frokjh½
ihBklhu lnL;