State Consumer Disputes Redressal Commission
Tulsi Ram Sahu vs Vinay Shukla & Ors. on 21 June, 2017
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miHkksDrk fookn Áfrrks"k.k vk;ksx] iaMjh] jk;iqj ifjokn izdj.k Øekad% lh-lh-@2016@63 lafLFkr fnukad: 04.11.2016.
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ftyk egkleqan ¼N-x-½
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gky&eqdke&f=ewfrZ dkWyksuh]
jk;iqj jksM] jktw xSjst ds ikl] egkleqan]
ftyk&egkleqan ¼N-x-½
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dkiksZjsV vkWfQl] ,p&3] ehV b.MLVªht]
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Hkksiky ¼e-iz-½
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izHkkoh ck;ksVsd ,.M VsªfMax izkbZosV fyfeVsM] IykWV ua-&230] Hkkjrh; LVsV cSad 'kk[kk ds lkeus] ch- Vh- vkbZ- jksM] egkleqan] ftyk&egkleaqn ¼N-x-½ 5- 'kk[kk izca/kd] cSad vkWQ cM+kSnk] 'kk[kk&vkjax] vkjax] ftyk&jk;iqj ¼N-x-½ 6- eSusftax Mk;jsDVj] Uks'kuy gkWVhZdYpj cksMZ] IykWV ua-&85] lsDVj&18] baLVhV~;w'ku ,fj;k] xqM+xkao ¼gfj;k.kk½ // 2 // 7- izca/kd@lsUVj bapktZ] Uks'kuy gkWVhZdYpj cksMZ] dk;kZy;&ty fogkj dkWyksuh] jk;iqj] ftyk&jk;iqj ¼N-x-½ ------vukosndx.k@fojks/kh i{kdkjx.k- le{k% ekuuh; U;k;ewfrZ Jh vkj- ,l-'kekZ] v/;{k-
ekuuh; Jh Mh- ds- iksn~nkj] lnL;-
ekuuh; Jh ujsanz xqIrk] lnL;-
i{kdkjksa ds vf/koDrk ifjoknhx.k dh vksj ls Jh vk'kqrks"k nqcs] vf/koDrkA vukosnd dz-1 ls 4 dh vksj ls Jh lat; MMlsuk] vf/koDrkA vukosnd dz-5 dh vksj ls Jh ,u- ds- JhokLro] vf/koDrkA vukosnd dz-6 ,oa 7 dh vksj ls Jh foosdkuan HkksbZ] vf/koDrkA vkns'k fnukad% 21@06@2017 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k- Ikfjoknh us ;g ifjokn /kkjk&17 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr vukosndx.k ds fo:} fuEukuqlkj vuqrks"k fnyk;s tkus gsrq izLrqr fd;k gS%& 1- vkosnd@ifjoknh dks vukosndx.k }kjk izkIr dh xbZ 30]00]000@&¼rhl yk[k :Ik;s½ jkf'k 18 izfr'kr e; C;kt ds fnykbZ tkos vkSj mUur fdLe ds uspqjyh osUVhysVsM xzhu@ikWyh gkÅl] 'ksM usV gkÅl] cksj muds Lo;a ds O;; ij fuekZ.k dj ifjoknh dks fo:} ikVhZ ls fnykbZ tkosA 2- vkosnd@ifjoknh dks lsok esa fuEurk ,oa vuqfpr O;kikj O;ogkj ,oa ekufld ijs'kkuh larki ds ,ot esa jfk'k&5]00]000@&¼ikap yk[k :Ik;s½ fnykbZ tkosA // 3 // 3- vkosnd@ifjoknh dks okn O;; o vf/koDrk 'kqYd jkf'k& 1]00]000@&¼,d yk[k :Ik;s½ fnykbZ tkosA 4- vU; vuqrks"k tks ekuuh; Qksje mfpr le>s fnykbZ tkosA** 02- ifjoknh dk ifjokn laf{kIr esa bl izdkj gS fd ifjoknh dh xzke cupjkSnk] rglhy vkjax] ftyk jk;iqj esa Hkwfe Lokeh gd dh d`f"k Hkwfe gS ftl ij d`f"k dk;Z dj viuk o vius ifjokj dk Hkj.k&iks"k.k iwoZ ls yxkrkj djrs pys vk jgk gSA vukosnd dz-1 ,oa 2] ifjoknh ds ikl vk;s vkSj crk;s fd izHkkoh ck;ksVsd ,.M VsªfMax izkbZosV fyfeVsM Hkksiky dh daiuh gS vkSj Hkjr iVsy mlds Mk;jsDVj gSa rFkk mudh daiuh iathd`r laLFkk gS ftldk gsM vkWfQl Hkksiky esa ,oa czkap vkWfQl egkleaqn esa gS tks vukosnd dz-3 ,oa 4 gSaA vukosnd dz-5 }kjk _.k izfdz;k ds nkSjku rhu dksjs psd _.k Lohd`fr ds iwoZ izkIr dj fy;k vkSj _.k Lohd`r djus ds ckn ifjoknh ds [kkrs esa tek djus ds ckn fcuk tkudkjh ds vukosnd dz-1] 2 ,oa 3 ds [kkrs esa varj.k dj fn;kA vukosnd dz-4 ,oa 5 jk"Vªh; ,oa varjkZ"Vªh; Lrj ij mUur fdLe ds uspqjyh osUVhysVsM xzhu@ikWyh gkÅl] 'ksM usV gkÅl] vkVkses'ku flLVe vkfn dk fuekZ.k djrh gS rFkk us'kuy gkWVhZdYpj cksMZ] jkT; 'kklu ,oa jk"Vªh;d`r cSadksa ds lkFk feydj fdlkuksa dks lLrh ,oa mUur fdLe dh VsDuksykWth ls d`f"k dk;Z djus vkSj mRiknu c<+kus dh ubZ fof/k fl[kkrh gS rFkk lg;ksx Hkh fnykrh gSA vukosnd dz-1] 2 ,oa 3 us ,d lkFk feydj ifjoknh dks crk;k fd ftruh ykxr esa Qly izkIr djrs gSa og // 4 // iqjkuk rjhdk gksus ls T;knk ykxr esa de Qly mUgsa feyrk gS vkSj vukosnd dz-1] 2 ,oa 3 }kjk crk, x, rjhds ls mUgsa T;knk mRiknu de ykxr esa feysxk ftl gsrq vukosnd dz-5 ls laidZ djokdj laiw.kZ izfdz;k fuoZgu ckn 'kh?kzkfr'kh?kz _.k 40]00]000@&¼pkyhl yk[k :Ik;s½ ifjoknh ds [kkrs esa vkus ds ckn vukosnd dz-1] 2 ,oa 3 }kjk ikyh gkÅl cukdj mRiknu djokdj nsaxs] cSad ls losZ larqf"V fjiksVZ ij 90 fnuksa ds Hkhrj vukosnd dz-6 ,oa 7 }kjk ifjoknh dks lClhMh 50 izfr'kr izkIr gks tk,xh vkSj vukosnd dz-3 ,oa 4 }kjk xzhu@ikWyh gkÅl cukdj nsus] vukosnd dz-5 ls _.k fnykus ,oa vukosnd dz-6 ,oa 7 }kjk lClhMh fnykus dh xkjaVh ysrs gq, vukosnd dz-3 ,oa 4 dk ikEiysV iznku fd, rFkk vaxzsth esa Nis gq, QkeZ ij gLrk{kj djk;k ftl ij fo'okl djrs gq, viuk gLrk{kj fd, vkSj ch&1 [kljk ikaplkyk] uD'kk] lh QkeZ] tehu ls eqY;kadu djkdj ,oa ewy _.k iqfLrdk Hkh ys fy;k vkSj ;g crk;k fd QkeZ tek djus vkjax cSad vkWQ cM+kSnk ds ikl tkuk gSA QkeZ tek djus ij 30]00]000@&¼rhl yk[k :Ik;s½ dk _.k vukosnd dz-4 }kjk Lohd`r dj ifjoknh ds [kkrs esa ikyh gkÅl cukus gsrq yxus okyh mPp DokfyVh dh lkexzh gsrq ifjoknh vf/kd`r ,tsalh ls lafonk dj lkexzh dz; dj ikyh gkÅl cukus ,taslh ls dk;Z djok;sxk vkSj dk;Z dh izxfr vuqlkj vukosnd dz-5 }kjk iznRr _.k jkf'k ls dk;Z djus okyh ,tsalh dks nsxk ijUrq vukosnd dz-5 }kjk ifjoknh ds [kkrs esa tek _.k jkf'k dks lh/ks vukosnd dz-1] 2 ,oa 3 ds [kkrs esa fcuk tkudkjh ds varfjr dj nh fdUrq vukosnd dz-1] 2 ,oa 3 }kjk nks"k;qDr // 5 // lkexzh fcuk ijh{k.k ds ?kfV;k fdLe dh vk/kh&v/kwjh yxkdj dk;Z iw.kZ ugha fd;k vkSj fcuk dk;Z iw.kZrk izek.k ds vukosnd dz-5 us vukosnd dz- 1] 2 ,oa 3 dks laiw.kZ Lohd`r _.k jkf'k varfjr dj nhA os 45 fnuksa ds Hkhrj ifjoknh dh d`f"k Hkwfe ij xzhu@ikWyh gkÅl cuk dj nsaxs ftlesa ,d cksj gksxk ftl ij ikuh lhapus iai yxk jgsxk ftlls ikuh dh lIykbZ xzhu@ikWyh gkÅl esa gksxh rFkk rFkk mRiknu izkIr gksuk izkjaHk gks tk;sxk vkSj bl ckor~ ,d ,xzhesaV Hkh cuk;k x;k FkkA dksVs'ku] ,xzhesaV ,oa tehu ls lacaf/kr nLrkost cSad dh vkSipkfjdrk,a iwjh djus ds mijkar _.k izkIr gksdj cSad [kkrs esa tek gqvk ijUrq ifjoknh dh fcuk lgefr ds vukosnd dz-5 }kjk vukosnd dzz]1] 2 ,oa 3 ds [kkrs esa jkf'k gLrkarfjr dj nh xbZ ysfdu vukosnd dz-1] 2 ,oa 3 }kjk 'krZ vuqlkj dk;Z uk dj lsok esa fuEurk dh xbZ gSA vukosnd }kjk ,xzhesaV ds vuqlkj uk rks 45 fnuksa esa xzhu@ikWyh gkÅl cksj cukdj vukosnd dz-1] 2 ,oa 3 }kjk ifjoknh dks fn;k x;k vkSj uk gh 90 fnuksa ds Hkhrj vukosnd dz-1] 2 ,oa 3 dh mnklhurk ds dkj.k mRiknu uk gksus ls vukosnd dz-6 ,oa 7 }kjk ifjoknh dks uk rks lClhMh izkIr gqbZ vkSj uk gh fdlh izdkj dh mUur fdLe dh rduhdh dh o cksj [kuu uk djus ls ifjoknh mRiknu izkIr ugha dj ldk cfYd _.k dh fd'r vnk djus gsrq vukosnd dz-5 cSad }kjk ifjoknh ij ncko cuk;k tk jgk gSA vukosnd dz-1] 2] 3 ,oa 4 }kjk vkt fnukad rd mDr dk;Z iwjk ugha fd;k x;k gS ftlls ifjoknh dks d`f"k ls gksus okyh vk; izkIr ugha gks jgh gS rFkk vukosnd dz-5 us ifjoknh ds [kkrs dh _.k jkf'k vukosnd // 6 // dz-1] 2 ,oa 3 ds [kkrs esa varfjr dj fd'r dh jkf'k dk vfrfjDr Hkkj ifjoknh ij Mky fn;k gS ftlls ifjoknh dks vkfFkZd] 'kkjhfjd o ekufld ijs'kkuh mBkuh iM+ jgh gS ftlds dkj.k ifjoknh dks ;g ifjokn ykus dh vko';drk iM+h gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkosA 03- vukosnd dz-1] 3 o 4 dh vksj ls fyf[kr dFku izLrqr djrs gq, ;g vkifRr fd;k x;k gS fd ifjoknh o vukosndx.k ds e/; gq, vuqca/kkuqlkj ,oa iznRr dksVs'ku vuqlkj Li"V :Ik ls leLr fooknksa ds fujkdj.k dh {ks=h; vf/kdkfjrk Hkksiky U;k;ky; r; dh Fkh] ,slh fLFkfr esa orZeku izdj.k ;Fkk Lrj izFke n`"V;k fujLr fd;s tkus ;ksX; gSA vukosnd dz-3 izHkkoh ck;ksVsd ,aM VªsfMax izk- fy- Hkksiky dh daiuh gS ftlds Mk;jsDVj Hkjr iVsy gSaA vukosnd dz-1] 3 o 4 dk dk;Z ek= ifjoknh ds funsZ'kkuqlkj mls izsf"kr dksVs'ku QkWj ikWyh gkÅl&uspqjy osaVhysfVM esa fu/kkZfjr dk;Z dks fu/kkZfjr vof/k esa iw.kZ djuk gS ftl gsrq yksu miyC/k djkus dk dk;Z vukosnd dz-1] 3 o 4 }kjk ugha fd;k tkrk gS] mlds fy, Lo;a ifjoknh dks lacaf/kr cSad o cksMZ ls laidZ djuk gksrk gSA vukosnd dz-2 ls vukosnd dz-1] 3 o 4 dk dksbZ ljksdkj ugha gS rFkk cSad yksu o lClhMh dk dk;Z Hkh vukosnd dz-1] 3 o 4 }kjk ugha fd;k tkrk gS] og 'kklu ds fu;ekuqlkj cSad o cksMZ }kjk fd;k tkrk gS ftldh leLr ftEesnkjh lacaf/kr Hkwfe Lokeh dh gksrh gSA layXu dksVs'ku vuqlkj Li"V izekf.kr gS fd 245 fnol dk;Z iw.kZ gsrq fu/kkZfjr FkkA iwoZ // 7 // esa Hkh ifjoknh }kjk Fkkuk rqexkao ,oa ftyk dysDVj egkleqan dks f'kdk;r dh xbZ Fkh ftlesa tkapksijkar vukosnd dk i{k lgh ik;k x;k FkkA vukosnd dz1] 3 o 4 }kjk ifjoknh dks cSad ls _.k fnykus dh dksbZ xkjaVh ugha nh xbZ Fkh vkSj uk gh dksbZ lClhMh fnykus dk ok;nk fd;k x;k Fkk vfirq ifjoknh }kjk vkosnu fn;s tkus ds vk/kkj ij vukosnd dz-1] 3 o 4 }kjk daiuh ds fu;ekuqlkj viuh lsok ;Fkk iznku dh xbZ ftlds rkjrE; esa Lo;a ifjoknh us cSad _.k ds ek/;e ls Hkqxrku fd;k x;k gSA cSad }kjk jkf'k dk Hkqxrku le;≤ ij dk;Z o xq.koRrk dk voyksdu dj iznku fd;k x;k gS tks fd vukosnd dz-1] 3 o 4 }kjk fd, x, mPp Lrjh; dk;Z dk izek.k gSA _.k Lohd`fr dh O;oLFkk Lo;a ifjoknh }kjk dh tkuh Fkh ftl gsrq vukosnd dz1] 3 o 4 }kjk fn, x, dksVs'ku QkWj ikWyh gkÅl&uspqjy osaVhysfVM dks Lohdkj djus ds Ik'pkr~ vius fu/kkZfjr cSad esa izLrqr dj _.k dk;Zokgh iw.kZ dh tkrh gS ftl gsrq ifjoknh }kjk Lo;a cSad ls laidZ dj _.k dk;Zokgh iw.kZ djkbZ xbZ FkhA cSad }kjk le;≤ ij dk;Z dh izxfr cSad ds vf/kdkjh }kjk fujh{k.k dh tkrh gS vkSj dk;Z dEiyhV gksus ds ckn ,u-,p- ch- dks lClhMh gsrq isij esa tkrh gS ftlls ;g izekf.kr gksrk gS fd _.k Lohd`fr gh bl ckr dk Bksl izek.k gS fd vukosnd dz-1] 3 o 4 }kjk viuk dk;Z iw.kZ fd;k x;k gSA lClhMh jkf'k ds laca/k esa vukosnd dz-1] 3 o 4 dh dksbZ ftEesnkjh ,oa tokcnkjh ugha gSA cSad }kjk _.k Lohd`fr Ik'pkr~ lClhMh dh dk;Zokgh gsrq Lo;a nLrkosth dk;Zokgh dh tkdj lacaf/kr foHkkx dks izsf"kr dh tkrh gSA gkVhZdYpj cksMZ dk nLrkost caSd // 8 // ,oa cksMZ ls lacaf/kr gS ftls vukosnd dz-1] 3 o 4 }kjk iznku fd, tkus dk iz'u gh mRiUu ugha gksrk gSA vukosnd dz-1] 3 o 4 }kjk uk rks ifjoknh dks _.k iznku djk;k x;k gS vkSj uk gh cksMZ ls lClhMh fnyk;s tkus dh dksbZ ftEesnkjh yh xbZ gS] ;g dk;Z Lo;a ifjoknh dk Fkk rFkk vukosnd dz-1] 3 o 4 }kjk fu/kkZfjr le;kof/k ls iwoZ gh dk;Z iw.kZ fd;k tk pqdk gSA vukosnd dz-1] 3 o 4 }kjk fdlh izdkj ls lsok esa deh ugha dh xbZ gSA ifjoknh] vukosnd dz-1] 3 o 4 ls dksbZ vuqrks"k izkIr djus dk vf/kdkjh ugha gSA vr% ifjoknh dk ifjokn lO;; fujLr fd;k tkosA 04- vukosnd dz-2 dh vksj ls fyf[kr dFku izLrqr djrs gq, ;g vkifRr fd;k x;k gS fd ifjoknh o vukosndx.k ds e/; gq, vuqca/kkuqlkj ,oa iznRr dksVs'ku vuqlkj Li"V :Ik ls leLr fooknksa ds fujkdj.k dh {ks=h; vf/kdkfjrk Hkksiky U;k;ky; r; dh Fkh] ,slh fLFkfr esa orZeku izdj.k ;Fkk Lrj izFke n`"V;k fujLr fd;s tkus ;ksX; gSA vukosnd dz-2] vukosnd dz-3 dk deZpkjh uk gksdj ek= deh'ku ,tsaV gS ftldk dk;Z lacaf/kr O;fDr dks daiuh ls laidZ djokuk gS rFkk muds e/; laO;ogkj dh fLFkfr esa daiuh }kjk vukosnd dz-2 dks deh'ku iznku fd;k tkrk gSA cSad yksu o lClhMh dk dk;Z Hkh vukosnd dz-2 }kjk ugha fd;k tkrk gSA vukosnd dz-2 fdlh Hkh izdkj ls lsok iznkrk ugha gS vkSj uk gh dksbZ fuekZ.k dk;Z djrk gS] mldk dk;Z ek= daiuh dh tkudkjh nsuk gS ftl gsrq og deh'ku ,tsaV ds :Ik esa dk;Zjr~ gSA ifjoknh] // 9 // vukosnd dz-2 ls fdlh Hkh izdkj dh dksbZ lgk;rk izkIr djus dk vf/kdkjh ugha gSaA vukosnd dz-2 deh'ku ,tsaV gS uk fd lsok iznkrk vkSj uk gh fuekZ.kdrkZ rFkk mldk dk;Z ek= daiuh dh tkudkjh tulkekU; rd igaqpkuk gS] daiuh ls laidZ djuk ,oa laO;ogkj djus dk nkf;Ro lacaf/kr O;fDr dk gksrk gS] ,slh n'kk esa vukosnd dz-2 o ifjoknh ds e/; lsok iznkrk ,oa miHkksDrk dk laca/k uk gksus ls Hkh orZeku izdj.k vukosnd dz-2 ds fo:} fujLr fd;s tkus ;ksX; gSA ifjoknh }kjk iwoZ esa vukosndx.k ds fo:} Fkkuk rqexkao ,oa ftyk dysDVj egkleaaqn ds le{k f'kdk;r dh xbZ Fkh ftlesa tkap mijkar vukosndx.k dk dk;Z mPp dksfV dk ,oa lgh gksuk ik;k x;k FkkA vr% ifjoknh dk ifjokn lO;; fujLr fd;k tkosA 05- vukosnd dz-5 dh vksj ls fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd vukosnd dz-5 cSad }kjk ifjoknh dks fnukad&21-03-2015 dks 30]00]000@&¼rhl yk[k :Ik;s½ dk _.k xzhu@ikWyh gkÅl cukus gsrq Lohd`r fd;k x;k Fkk vkSj ifjoknh ds [kkrs esa varfjr dj fn;k FkkA rRi'pkr~ ifjoknh }kjk Lo;a vius [kkrs ls mDr jde dks vukosnd dz-1] 2 ,oa 3 dks Hkqxrku fd;k gS vkSj ;fn mDr ikWyh gkÅl dk iwjk fuekZ.k dk;Z gq, fcuk gh ifjoknh }kjk vukosnd dz- 1] 2 ,oa 3 ds [kkrs esa ;kstuk dh laiw.kZ jkf'k dk Hkqxrku dj fn;k gS rks blds fy, ifjoknh Lo;a ftEesnkj gSA vukosnd dz-5 Hkkjr ljdkj dk lkoZtfud {ks= dh cSafdax laLFkk gS ftldk dk;Z Hkkjro"kZ ds Hkhrj cSafdax // 10 // djuk gS uk fd ikWyh gkÅl vkfn ds tfj;s lLrh ,oa mUur fdLe dh VsDuksykWth ls d`f"k dk;Z djus dh fof/k fl[kkuk gSA vukosnd dz-5 cSad dk vukosnd dz-1 ls 4 ,oa vukosnd dz-6 ls 7 ls fdlh Hkh izdkj dk dksbZ fof/kd djkj ugha gSA vukosnd dz-5 cSad }kjk ifjoknh dks mDr _.k fuf'pr le;kof/k ds fy, iznku fd;k gS rFkk mDr _.k dks iznku fd;s tkrs le; vukosnd dz-5 }kjk ifjoknh dks _.k ds Hkqxrku ds laca/k esa Li"V :Ik ls fyf[kr djkj dj _.k dh le;kof/k] C;kt] fd'r ,oa vU; 'krksZa ds laca/k esa Li"V :Ik ls tkudkjh iznku dj nh Fkh vkSj mDr _.k djkj 'krksZa ds vuqlkj gh ifjoknh +}kjk _.k dk fu;ekuqlkj Hkqxrku ugha djus ij vukosnd dz-5 }kjk vius _.k dk iquZHkqxrku djus dh ekax dh tk jgh gSA vukosnd dz-5 cSad dk vukosnd dz-1] 2 ,oa 3 ls fdlh Hkh izdkj dk dksbZ xBtksM+ ugha gS vkSj uk gh vukosnd dz-5 }kjk ifjoknh ds Qly ds mRiknu oxSjg ds laca/k esa fdlh Hkh izdkj dk dksbZ vk'oklu ;k oknk fd;k FkkA vukosnd dz-1] 2 ,oa 3 }kjk ifjoknh ls feydj mls xzhu@ikWyh gkÅl dh ;kstuk crkdj mUur d`f"k ls ykHk vftZr djus dh ckr dgh rc ifjoknh }kjk viuh LosPNk ls mDr ;kstuk ds fy, d`f"k _.k ds ek/;e ls foRrh; lgk;rk izkIr djus gsrq vukosnd dz-5 ls vkdj feyk Fkk vkSj viuh iwjh dk;Z ;kstuk] mldk dksVs'ku vkSj _.k dh lqj{kk ds fy, ca/kd j[kh tkus okyh d`f"k ds nLrkost izLrqr dj _.k dh ekax dh Fkh ftls vukosnd dz-5 }kjk tkap iM+rky dj _.k izLrko mfpr ik;s tkus ij _.k Lohd`r fd;k Fkk vkSj 30]00]000@&¼rhl yk[k :Ik;s½ dh _.k jkf'k // 11 // ifjoknh dks iznku fd;k FkkA vukosnd dz-5 ,d lkoZtfud {ks= dk fu;eksa ,oa dkuwuksa ls vkc} 'kkldh; cSad gS rFkk vukosnd dz-5 dks _.k ds :Ik esa iznku fd;s x;s yksd/ku dh j{kk gsrq ges'kk fjtoZ cSad ds fn'kk&funsZ'kksa ds varxZr _.k dh olwyh gsrq dk;Zokgh fujarj djrs jguk iM+rk gS ijUrq mDr _.k dh olwyh gsrq vukosnd dz-5 }kjk dHkh Hkh ifjoknh ds lkFk ,slk dksbZ Hkh dk;Z ugha fd;k tkrk gS tks vfof/kd gksA vukosnd dz-5 dks fof/k ds nk;js esa jgrs gq, _.k dh olwyh djus gsrq vf/kdkj izkIr gSA vukosnd dz-5 }kjk fdlh Hkh izdkj dh dksbZ lsok esa fuEurk ugha dh xbZ gSA ifjoknh] vukosnd dz-5 ls dksbZ vuqrks"k izkIr djus dk vf/kdkjh ugha gSA vr% ifjoknh dk ifjokn lO;; fujLr fd;k tkosA 06- vukosnd dz-6 ,oa 7 dh vksj ls fyf[kr dFku izLrqr djrs gq, izkjafHkd vkifRr dh xbZ gS fd ifjoknh /kkjk&2 ¼1½ ¼Mh½ miHkksDrk laj{k.k vf/kfu;e] 1986] ds izko/kku ds varxZr **miHkksDrk** dh ifjf/k esa ugha vkrk gS blfy, ifjokn la/kkj.kh; ugha gSA vukosnd dz-6 ,oa 7 }kjk tks lClhMh fn;k tkrk gS og 'kklu ds ,-vkbZ-Mh- Ldhe ds rgr iznku dh tkrh gS vkSj blfy, Hkh ifjoknh **miHkksDrk** ugha gSaA vukosnd dz-6 us'kuy gkVhZdYpj cksMZ d`f"k ,oa lgdkfjrk rFkk d`"kd dY;k.k ea=ky; ds }kjk fdlkuksa ds dY;k.k ds fy, lkslk;Vh jftLVªs'ku ,DV] 1860] ds varxZr jftLVMZ laLFkk gS vkSj ftldk dk;Z d`f"k dk;Z dks c<+kok nsuk gSA lClhMh tks 'kklu vuqnku ls fn;k tkrk gS mls dksbZ Hkh O;fDr // 12 // vf/kdkjiwoZd ekax ugha dj ldrk gS vkSj lClhMh dk forj.k 'kklu ds fu;e ,oa 'krksZa ds v/khu dh tkrh gSA tks ifj;kstuk gS og nks o"kZ dh vof/k ds fy, ykxw dh xbZ Fkh vkSj ifj;kstuk dk lQyrkiwoZd laiknu gksus ij gh lqfo/kk,a iznku dh tkrh gS vkSj dsoy ,y- vks- vkbZ- tkjh dj nsus ek= ls gh lClhMh fn;s tkus ds fy, Ik;kZIr ugha gS] tc rd fgrxzkgh }kjk tks izLrko gS mldk ifjikyu ;k vey esa u yk;k x;k gks vkSj bl izdkj vukosnd dz-6 ,oa 7 }kjk fu;eksa ds v/khu dk;Zokgh fd;k x;k gSA vukosnd dz-6 ,oa 7 }kjk lsok esa fdlh izdkj dh dksbZ deh ugha dh xbZ gS vkSj blfy, ifjoknh] vukosnd dz-6 ,oa 7 ls fdlh izdkj dk dksbZ vuqrks"k izkIr djus dk vf/kdkjh ugh gSA vr% ifjoknh dk ifjokn lO;; fujLr fd;k tkosA 07- ifjoknh dh vksj ls vius i{k leFkZu esa Lo;a dk 'kiFk&i= rFkk vukosndx.k }kjk Hkjok;k x;k QkeZ ¼nLrkost dz-1 ls 59½] ikEiysV ¼nLrkost dz-60 ls 67½] vf/koDrk uksfVl ¼nLrkost dz-68 ls 73½] vf/koDrk uksfVl dk tokc ¼nLrkost dz-74 ls 81½] cSad ikl cqd ,oa LVsVesaV ¼nLrkost dz-82 ls 92½] _.k iqfLrdk ¼nLrkost dz-93 ls 94½] vukosnd dz-7 }kjk izsf"kr i= fnukad&30-08-2016 ¼nLrkost dz-95 ls 96½] QksVksxzkQ rFkk _.k iqfLrdk dh Nk;kizfr izLrqr fd;k gSA 08- vukosnd dz-2 dh vksj ls vius i{k leFkZu esa Lo;a dk 'kiFk&i= rFkk lwpuk ds vf/kdkj ds rgr Fkkuk rqexkao ls izkIr f'kdk;r ,oa tkap fu"d"kZ rFkk vU; nLrkost dh Nk;kizfr izLrqr fd;k gSA // 13 // 09- vukosnd dz-5 dh vksj ls vius i{k leFkZu esa yksds'k dqekj efYyd 'kk[kk izca/kd dk 'kiFk&i= rFkk dksVs'ku QkWj ikWyh gkÅl fnukad&08-03-2015 (Annexure 5/1)] _.k vkosnu fnukad&21-03-2015 (Annexure 5/2)] _.k vkosnu ds lkFk layXu nLrkost (Annexure 5/3)] ifjoknh dk O;fDrxr fooj.k i= (Annexure 5/4)] rqylhjke lkgw dk O;fDrxr fooj.k (Annexure 5/5)] tekurnkj usrjke lkgw dk O;fDrxr fooj.k i= (Annexure 5/5A)] _.k Lohd`fr i= fnukad&21-03-2015 (Annexure 5/6)] vVsa'ku eseks fnukad&21-03-2015 (Annexure 5/7)] Mh- ih- uksV fnukad&21-03-2015 (Annexure 5/8)] ysVj vkWQ baLVkyesaV fnukad&21-03-2015 (Annexure 5/9)] ysVj vkWQ vFkkWfjVh fnukad&21-03- 2015 (Annexure 5/10)] tujy v.MjVsfdax fnukad&21-03-2015 (Annexure 5/11)] gkbZiksfFkds'ku ,xzhesaV fnukad&21-03-2015 (Annexure 5/12)] fMDysjs'ku de v.MjVsfdax de vFkkWfjVh ysVj fnukad&21-03-2015 (Annexure 5/13)] tujy QkeZ vkWQ xSjsaVh fnukad&21-03-2015 (Annexure 5/14)] izh baLisD'ku fjiksVZ fnukad&21-03-2015 (Annexure 5/15)] iksLV baLisD'ku fjiksVZ fnukad&28-07-2015 (Annexure 5/16)] buokbZl fnukad&21-05-2015 (Annexure 5/17 & 5/18)] ifjoknh }kjk tkjh fd;k x;k psd fnukad&23-03-2015 ,oa 20-04-2015 (Annexure 5/19 & 5/20) rFkk LVsVesaV vkWQ ,dkÅ.V fnukad&05-12-2016 (Annexure 5/21) dh Nk;kizfr izLrqr fd;k gSA // 14 // 10- ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh vk'kqrks"k nqcs dk rdZ gS fd ifjoknh xzke cupjkSnk] rglhy vkajx] ftyk jk;iqj dk fuoklh gS vkSj mldk xzke cupjkSnk esa d`f"k Hkwfe gS ftl ij d`f"k dk;Z dj viuk thfodksiktZu djrk gSA vukosnd dz-1 ,oa 2] ifjoknh ds ikl vk, Fks vkSj crk, fd izHkkoh ck;ksVsd ,.M VsªfMax izkbZosV fyfeVsM Hkksiky dh daiuh gS vkSj Hkjr iVsy mlds Mk;jsDVj gSa tks fd iathd`r laLFkk gS ftldk eq[;ky; Hkksiky gS vkSj mldk 'kk[kk dk;kZy; egkleqan esa gS vkSj ;g Hkh crk;k fd iwjs Hkkjr esa jk"Vªh; ,oa varjkZ"Vªh; Lrj ij mUur fdLe ds uspqjyh osUVhysVsM xzhu@ikWyh gkÅl] 'ksM usV gkÅl] vkVkses'ku flLVe vkfn dk fuekZ.k djrh gS vkSj us'kuy gkVhZdYpj cksMZ jkT; 'kklu ,oa jk"Vªh;d`r cSadksa ds lkFk feydj fdlkuksa dks lLrh ,oa mUur fdLe dh VsDuksykWth ls d`f"k dk;Z djus] mRiknu c<+kus dh ubZ fof/k fl[kkrh gS] ds laca/k esa tkudkjh nsdj izyksfHkr fd;k Fkk vkSj vukosnd dz-5 }kjk _.k izfdz;k ds nkSjku rhu dksjs psd esa ifjoknh ds gLrk{kj ys fy, Fks tks fd _.k Lohd`fr ds iwoZ dk gS vkSj ifjoknh dks ftl d`f"k Hkwfe ij xzhu@ikWyh gkÅl cukus gsrq _.k fn;k x;k Fkk mldk mYys[k layXu vuqlwph v ds vuqlkj gSA vukosnd dz-1] 2 ,oa 3 us ifjoknh dks crk;k Fkk fd ifjoknh ftruh ykxr esa Qly izkIr djrk gS og lc iqjkuk rjhdk gS vkSj u;s rjhds ls vR;f/kd ykHk izkIr gksxk vkSj _.k Lohd`r gksus ds Ik'pkr~ _.k jkf'k&40]00]000@&¼pkyhl yk[k :Ik;s½ ifjoknh ds [kkrs esa vkus ds ckn vukosnd dz-1] 2 ,oa 3 }kjk xzhu@ikWyh gkÅl cukdj mRiknu // 15 // djokdj nsaxs vkSj cSad ls losZ larqf"V fjiksVZ ij 90 fnuksa ds Hkhrj vukosnd dz-6 ,oa 7 }kjk ifjoknh dks 50 izfr'kr dh jkf'k lClhMh ds :Ik esa nh tkosxh vkSj vukosnd dz-1 ls 4 }kjk xzhu@ikWyh gkÅl cukdj nsus] vukosnd dz-5 cSad ls _.k fnykus ,oa vukosnd dz-6 ,oa 7 ls lClhMh fnyk;s tkus dh xkjaVh fy;k x;k Fkk vkSj izkstsDV fjiksVZ cukdj ifjoknh ds gLrk{kj ys fy;k x;k vkSj Hkjkslk fnyk;k x;k Fkk vkSj muds Hkjkslk fnykus ij ifjoknh us gLrk{kj fd;k Fkk vkSj ch&1] [kljk ikap'kkyk vkfn vukosnd dz-1 ls 3 dks lkSaik FkkA vukosnd dz-1 ls 3 us ifjoknh dks crk;k fd vukosnd dz-4 ds ikl QkeZ ysdj tkuk gS vkSj QkeZ tek djus ij 30]00]000@&¼rhl yk[k :Ik;s½ dk _.k ifjoknh dks vukosnd dz-4 Lohd`r dj ifjoknh ds [kkrs esa xzhu@ikWyh gkÅl cukus ds laca/k esa tek dj nh tk,xh] ijUrq vukosnd dz-5 }kjk ifjoknh ds [kkrs esa tek jkf'k dks lh/ks vukosnd dz-1 ls 3 ds [kkrs esa ifjoknh dh tkudkjh ds fcuk varfjr dj nh xbZ vkSj vukosnd dz-1 ls 3 }kjk nks"k;qDr lkexzh fcuk ijh{k.k ds ?kfV;k fdLe dh vk/kh&v/kwjh yxkdj dk;Z iw.kZ ugha fd;k gS vkSj dk;Z iw.kZrk izek.k i= ds vHkko esa gh vukosnd dz-5 us vukosnd dz-1 ls 3 dks laiw.kZ _.k jkf'k varfjr dj fn;k gSA bl izdkj vukosnd dz-1 ls 5 }kjk lsok esa deh dh xbZ gSA djkj ds vuqlkj uk rks 45 fnu esa xzhu@ikWyh gkÅl cukdj vukosnd dz-1 ls 3 }kjk iznku fd;k x;k vkSj uk gh 90 fnu ds Hkhrj vukosnd dz-1 ls 3 ds mnklhurk ds dkj.k vukosnd dz- 6 ,oa 7 }kjk lClhMh iznku dh xbZ vkSj bl izdkj ifjoknh dks vR;f/kd {kfr mBkuh iM+h gS // 16 // vkSj lkFk esa ekufld d"V Hkh Hkksxuk iM+k gS vkSj blfy, ifjoknh] vukosndx.k ls ifjokn&i= esa of.kZr vuqlkj vuqrks"k jkf'k izkIr djus dk vf/kdkjh gSA vr% ifjoknh dks vukosndx.k ls ifjokn&i= esa of.kZr vuqlkj vuqrks"k iznku dh tkosA ifjoknh dh vksj ls vius rdZ ds leFkZu esa Uma Shankar Bhatt Vs. Chairman-Cum-Managing Director Punjac & Sind Bank LAWS (NCD)-2007-12-5 Decided by National Commission on 11 Dec. 2007, Bank of Baroda Vs. Shikha Kumar LAWS (NCD)-2005-9-40 Decided by National Commission on 05 Sep. 2005 rFkk bl vk;ksx }kjk Appeal No. 578/2010 General Manager, Chhattisgarh Gramin Bank Vs. Surendra Kumar Borkar Order dated 24 Dec. 2010 dk voyacu fy;k x;k gSA 11- vukosnd dz-1] 3 ,oa 4 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh lat; MMlsuk us fyf[kr rdZ izLrqr djrs gq, ;g rdZ fd;k gS fd bl vk;ksx dks ifjokn dh lquokbZ dk {ks=kf/kdkj ugha gSA i{kdkjksa ds e/; gq, djkj ds vuqlkj dsoy Hkksiky U;k;ky; dks gh ifjokn dh lquokbZ dk {ks=kf/kdkj izkIr gS blfy, ifjokn fujLrh ;ksX; gSA cSad ls _.k Lohd`fr dh O;oLFkk Lo;a ifjoknh dks djuk Fkk vkSj vukosnd dz-1] 3 ,oa 4 }kjk dsoy dksVs'ku QkWj ikyh gkÅl uspqjy osaVhysfVM Lohdkj djus ds Ik'pkr~ fu/kkZfjr cSad esa izLrqr dj _.k dk;Zokgh ifjoknh }kjk gh fd;k tkuk Fkk vkSj ifjoknh us Lo;a cSad ls laidZ dj _.k Lohd`r djkus dh dk;Zokgh fd;k Fkk vkSj cSad ds vf/kdkjh }kjk fu;ekuqlkj fujh{k.k dj dk;Z iw.kZ gksus ds ckn us'kuy // 17 // gkVhZdYpj cksMZ dks lClhMh gsrq Hkstk tkrk gS vkSj blls ;gh izekf.kr gksrk gS fd vukosnd dz-1] 3 ,oa 4 us viuk dk;Z iw.kZ dj fn;k gSA lClhMh jkf'k ds laca/k esa vukosnd dz-1] 3 ,o 4 dk dksbZ mRrjnkf;Ro ugha gSA cSad }kjk _.k Lohd`fr Ik'pkr~ lClhMh dh dk;Zokgh gsrq Lo;a nLrkosth dk;Zokgh dh tkdj lacaf/kr foHkkx dks izsf"kr dh tkrh gS ftl gsrq Application for letter of inent (LOI) fd;k x;k gS vkSj bldk nkf;Ro vukosnd dz-1] 3 ,oa 4 dk ugha gSA vukosnd dz-1] 3 ,oa 4 }kjk le;kof/k esa fuekZ.k dk;Z iw.kZ fd;k tk pqdk gS vkSj fdlh izdkj dk dksbZ dk;Z viw.kZ ugha gS vkSj ifjoknh }kjk dysDVj egkleqan rFkk lacaf/kr iqfyl Fkkuk rqexkao esa f'kdk;r fd;k Fkk vkSj f'kdk;r dks tkap esa feF;k ik;k x;k vkSj ;g ik;k x;k fd vukosnd dz-1] 3 ,oa 4 us viuk dk;Z iw.kZ dj fn;k gS rFkk vukosnd dz-1] 3 ,oa 4 }kjk fdlh izdkj dh lsok esa dksbZ deh ugha fd;k x;k gS vkSj uk gh O;kolkf;d dnkpj.k fd;k x;k gSA ifjoknh] vukosnd dz-1] 3 ,oa 4 ls fdlh izdkj dk dksbZ vuqrks"k izkIr djus dk vf/kdkjh ugha gSA vr% ifjoknh dk ifjokn fujLr fd;k tkosA 12- vukosnd dz- 2 dh vksj ls Hkh milatkr gksus okys fo}ku vf/koDrk Jh lat; MMlsuk }kjk ;g rdZ izLrqr fd;k x;k gS fd vukosnd dz-2 dsoy ,d deh'ku ,tsaV gS vkSj mlds }kjk fdlh izdkj dh dksbZ _.k Lohd`fr laca/kh dksbZ dk;Z ugha fd;k x;k gS vkSj uk gh vukosnd dz-2 dks vukosnd dz-5 cSad }kjk dksbZ jkf'k varfjr dh xbZ gS // 18 // vkSj uk gh vukosnd dz-2 }kjk dksbZ laO;ogkj fd;k x;k gSA vukosnd dz-2] vukosnd dz-3 dk deh'ku ,tsaV gS vkSj ek= lacaf/kr O;fDr dks vukosnd dz-3 daiuh ds ckjs esa tkudkjh ls voxr djk;k x;k Fkk vkSj mlds ckn ifjoknh us vukosnd dzz-1] 3 ,oa 4 ls laidZ dj dk;Zokgh fd;k gS vkSj ,slh fLFkfr esa ifjoknh] vukosnd dz-2 dk **miHkksDrk** ugha gS vkSj uk gh vukosnd dz-2 **lsok iznkrk** gSA blfy, ifjoknh dk ifjokn vukosnd dz-2 ds laaca/k esa fujLr fd;k tkosA 13- vukosnd dz-5 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ,u- ds- JhokLro dk rdZ gS fd ifjoknh }kjk _.k Lohd`fr gsrq vkosnu izLrqr fd;k x;k Fkk rc vukosnd dz-5 }kjk xzhu@ikWyh gkÅl cukus gsrq 30]00]000@&¼rhl yk[k :Ik;s½ dk _.k Lohd`r fd;k x;k Fkk vkSj mls ifjoknh ds [kkrs esa varfjr fd;k x;k Fkk vkSj ifjoknh us Lo;a vukosnd dz-1] 2 ,oa 3 dks jkf'k dk Hkqxrku fd;k Fkk vkSj blds fy, ifjoknh Lo;a mRrjnk;h gSaA vukosnd dz-5 dh dksbZ Vhe us'kuy gkVhZdYpj cksMZ] jkT; 'kklu vkfn ls feydj mUur d`f"k ;k ikWyh gkÅl ds laca/k esa dksbZ tkudkjh miyC/k ugha djkrk gS vkSj ;fn ikWyh gkÅl dk iwjk fuekZ.k ugha gqvk gS rks blds fy, vukosnd dz-5 mRrjnk;h ugha gSA vukosnd dz-5 }kjk ifjoknh dks fuf'pr vof/k ds fy, _.k iznku fd;k Fkk vkSj ftlds fy, fyf[kr djkj Hkh ifjoknh }kjk fd;k x;k FkkA vukosnd dz-5 dk vukosnd dz-1] 2 ,oa 3 ls fdlh izdkj dk dksbZ lkaB&xkaB ugha gS vkSj uk gh fdlh izdkj dh dksbZ lsok esa // 19 // deh fd;k gSA pwafd vukosnd dz-5 cSad us ifjoknh dks _.k iznku fd;k gS blhfy, vukosnd dz-5] ifjoknh ls mDr _.k izkIr djus dk vf/kdkjh gS vkSj ftlds fy, fu;ekuqlkj dk;Zokgh dh tk jgh gS vkSj vU; vukosnd daiuh ds d`R;ksa ls ;fn ifjoknh dks dksbZ gkfu gqvk gS rks blds fy, vukosnd dz-5 mRrjnk;h ugha gSA vr% ifjoknh dk ifjokn vukosnd dz-5 ds laca/k esa fujLr fd;k tkosA 14- vukosnd dz-6 ,oa 7 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh foosdkuan HkksbZ dk rdZ gS fd ifjoknh /kkjk&2 ¼1½ ¼Mh½ miHkksDrk laj{k.k vf/kfu;e] 1986] ds izko/kku ds varxZr **miHkksDrk** dh ifjf/k esa ugha vkrk gS blfy, ifjokn la/kkj.kh; ugha gSA vukosnd dz-6 ,oa 7 }kjk tks lClhMh fn;k tkrk gS og 'kklu ds ,-vkbZ-Mh- Ldhe ds rgr iznku dh tkrh gS vkSj blfy, Hkh ifjoknh **miHkksDrk** ugha gSA vukosnd dz-6 us'kuy gkVhZdYpj cksMZ d`f"k ,oa lgdkfjrk rFkk d`"kd dY;k.k ea=ky; ds }kjk fdlkuksa ds dY;k.k ds fy, lkslk;Vh jftLVªs'ku ,DV] 1860] ds varxZr jftLVMZ laLFkk gS vkSj ftldk dk;Z d`f"k dk;Z dks c<+kok nsuk gSA lClhMh tks 'kklu vuqnku ls fn;k tkrk gS mls dksbZ Hkh O;fDr vf/kdkjiwoZd ekax ugha dj ldrk gS vkSj lClhMh dk forj.k 'kklu ds fu;e ,oa 'krksZa ds v/khu dh tkrh gSA tks ifj;kstuk gS og nks o"kZ dh vof/k ds fy, ykxw dh xbZ Fkh vkSj ifj;kstuk dk lQyrkiwoZd laiknu gksus ij gh lqfo/kk,a iznku dh tkrh gS vkSj dsoy ,y- vks- vkbZ- tkjh dj nsus ek= ls gh lClhMh fn;s tkus ds fy, Ik;kZIr ugha gS] tc // 20 // rd fgrxzkgh }kjk tks izLrko gS mldk ifjikyu ;k vey esa u yk;k x;k gks vkSj bl izdkj vukosnd dz-6 ,oa 7 }kjk fu;eksa ds v/khu dk;Zokgh fd;k x;k gSA vukosnd dz-6 ,oa 7 }kjk lsok esa fdlh izdkj dh dksbZ deh ugha dh xbZ gS vkSj blfy, ifjoknh] vukosnd dz-6 ,oa 7 ls fdlh izdkj dk dksbZ vuqrks"k izkIr djus dk vf/kdkjh ugha gSA vr% ifjoknh dk ifjokn lO;; fujLr fd;k tkosA 15- geus mHk;i{k ds fo}ku vf/koDrkx.k dk rdZ Jo.k fd;k rFkk ifjokn&i= dk voyksdu fd;k x;kA 16- loZizFke vukosnd dz-1] 3 ,oa 4 dh tks vkifRr gS ml ij fopkj fd;k tk jgk gSA vukosnd dz-1] 3 ,oa 4 dh vksj ls ;g crkus dk iz;kl fd;k x;k gS fd bl vk;ksx dks ifjokn dh lquokbZ dk izknsf'kd {ks=kf/kdkj izkIr ugha gSA vukosnd dz-1] 3 ,oa 4 dk mDr rdZ Lohdkj ;ksX; ugha gSA ifjoknh us Li"V :Ik ls vfHkopu fd;k gS fd vukosnd dz-1 ,oa 2] ifjoknh ds ikl vk, Fks vkSj crk, fd izHkkoh ckW;ksVsd ,.M VsªfMax izkbZosV fyfeVsM Hkksiky dh daiuh gS vkSj Hkjr iVsy mlds Mk;jsDVj gSa vkSj mldk czkap vkWfQl egkleaqn esa Hkh gS rFkk ifjoknh dh d`f"k Hkwfe ij xzhu@ikWyh gkÅl cukus dk djkj vukosnd dz-1] 3 ,oa 4 }kjk fd;k x;k Fkk vkSj ifjoknh dh d`f"k Hkwfe xzke cupjkSnk] rglhy vkjax] ftyk jk;iqj esa fLFkr gS vkSj vukosnd dz-5 cSad vkjax ds }kjk _.k Lohd`r fd;k x;k gS vkSj bl izdkj okn dkj.k tks mn~Hkwr gqvk gS // 21 // og ftyk egkleqqan ,oa jk;iqj esa mn~Hkwr gqvk gS blfy, bl vk;ksx dks ifjokn esa laKku ysus dk izknsf'kd {ks=kf/kdkj izkIr gSA 17- vc ;g ns[kuk gS fd D;k vukosnd dz-1 ls 4 us xzhu@ikWyh gkÅl dk fuekZ.k mfpr :Ik ls ugha fd;k gS rFkk vukosnd dz-5 }kjk fcuk dk;Z iw.kZ gq, vukosnd dz-1] 3 ,oa 4 ds [kkrs esa jde tek dj lsok esa deh fd;k gS rFkk vukosnd dz-6 ,oa 7 }kjk fu;ekuqlkj lClhMh iznku ugha dj lsok esa deh fd;k gS\ 18- vukosnd dz-6 ,oa 7 eSusftax Mk;jsDVj ,oa lsUVj bapktZ] us'kuy gkVhZdYpj cksMZ gS rFkk vukosnd dz-6 ,oa 7 }kjk ;g Li"V :Ik ls vfHkopu fd;k x;k gS fd lClhMh **lsok** dh ifjHkk"kk dh ifjf/k esa ugha vkrk gS blfy, ifjoknh] vukosnd dz-6 ,oa 7 dk **miHkksDrk** ugha gSaA 19- State Bank of India Vs. Rajendra & Anr. and State Bank of India Vs. Gunmala & Anr. and National Horticulture Board Vs. Rajendra P. Keshave Rajenibalkar & Anr. and National Horticulture Board Vs. Gunmala, Keshavrao Rajenibalkar & Anr. I (2017) CPJ 319 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "8. It was observed in aforesaid cases that complainant has not hired any service for consideration for providing subsidy and subsidy was to be disbursed as and when it was received from Central Government and therefore complainant cannot be treated as 'consumer' under the Consumer Protection Act."
// 22 // 20- Chaudhary Ashok Yadav Vs. Rewari central Co-Op. Bank & Anr. I (2013) CPJ 668 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "6. ...........The Principal question is that of grant of subsidy. The order passed by the learned State Commission is supported by authorities, which clearly go the show that the subsidy offered to be Protection Act, 1986. Consequently the petitioner/complainant is not a 'consumer'."
21- Himachal Weavers Pvt. Ltd. Vs. Himachal Pradesh Financial Corpn. & Ors III(1993) CPJ 267 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "The Complainant Company has not hired any 'service' of the Central Government for consideration for providing Central Subsidy to it. As far as Himachal Pradesh Government is concerned, it was only disbursing the Subsidy as and when it received it from the Central Government. Therefore, in such circumstances, the complainant cannot be said to be a "consumer" of "service" as defined under the Act."
22- mijksDr U;k; n`"Vkarksa ds ifjizs{; esa Li"V gS fd vukosnd dz-6 ,oa 7 }kjk ifjoknh dks dksbZ lsok iznk; ugha fd;k x;k gS vkSj lClhMh izkIr djuk ifjoknh ds vf/kdkj {ks= esa ugha gS] og foosdk/khu gS rFkk ifjoknh }kjk vukosnd dz-6 ,oa 7 dh dksbZ lsok izkIr ugha fd;k x;k gS blfy, vukosnd dz-6 ,oa 7 **lsok iznkrk** ugha gS vkSj blfy, ifjoknh // 23 // mldk **miHkksDrk** ugh gSaA QyLo:Ik vukosnd dz-6 ,oa 7 ds laca/k esa ifjoknh dk ifjokn la/kkj.kh; ugha gSA 23- ifjoknh us ;g crkus dk iz;kl fd;k gS fd vukosnd dz-1 ls 3 }kjk ifjoknh ds d`f"k Hkwfe ij xzhu@ikWyh gkÅl cukus dk djkj fd;k Fkk vkSj mlds fy, vukosnd dz-5 }kjk _.k fn;k x;k Fkk vkSj vukosnd dz-1 ls 3 us ifjoknh dks crk;k Fkk fd QkeZ tek djus vkjax cSad] cSad vkWQ cM+kSnk vkjax 'kk[kk tkuk iM+sxk ,oa vukosnd dz-4 ds ikl tkuk gS vkSj QkeZ tek djus ij 30]00]000@&¼rhl yk[k :Ik;s½ dk _.k vukosnd dz-4 Lohd`r dj ifjoknh ds [kkrs esa ikWyh gkÅl cukus gsrq yxus okyh mPp DokfyVh dh lkexzh dz; dj ikWyh gkÅl cukus ,tsalh ls dk;Z djok;sxk rFkk vukosnd dz-5 us ifjoknh dh tkudkjh ds fcuk vukosnd dz-1] 2 ,oa 3 ds [kkrsa esa jde tek dj fn;k Fkk tcfd vukosnd dz-1 ls 3 }kjk nks"k;qDr lkexzh fcuk ijh{k.k ds ?kfV;k fdLe dh vk/kh&v/kwjh yxkdj dk;Z iw.kZ ugha fd;k x;kA vukosnd dz-1] 3 ,oa 4 }kjk ifjoknh ds vfHkopuksa dks vLohdkj fd;k gS vkSj Li"V :Ik ls ;g vfHkopu fd;k gS fd layXu dksVs'ku ds vuqlkj 245 fnol dk;Z iw.kZ gsrq fu/kkZfjr FkkA ifjoknh }kjk Fkkuk izHkkjh rqexkao ,oa dysDVj egkleqan dks f'kdk;r fd;k x;k Fkk vkSj tkap fd;s tkus ij f'kdk;r dks feF;k ik;k x;k Fkk rFkk vukosnd dz-5 }kjk ;g vfHkopu fd;k x;k gS fd _.k Lohd`r djus ds Ik'pkr~ jkf'k ifjoknh ds [kkrs esa varfjr fd;k x;k Fkk vkSj ifjoknh Lo;a us vukosnd dz- 1] 2 // 24 // ,oa 3 ds [kkrs esa ;kstuk dh laiw.kZ jkf'k dk Hkqxrku fd;k gS vkSj vukosnd dz-5 }kjk fdlh izdkj dk lh/ks Hkqxrku vukosnd dz-1 ls 4 dks ugha fd;k x;k gSA 24- vukosnd dz-2 }kjk lwpuk ds vf/kdkj ds rgr Fkkuk rqexkao ls izkIr nLrkostksa dks izLrqr fd;k x;k gS ftlesa Fkkuk izHkkjh rqexkao] ftyk egkleaqn }kjk i= fnukad&05-08-2016 ds }kjk iqfyl v/kh{kd egkleqan dks tkap izfrosnu izsf"kr fd;k x;k gSA bl izfrosnu ds izFke iSjk esa ;g mYysf[kr fd;k x;k gS fd **vkosnd rqylhjke lkgw ,oa vU; 6 O;fDr;ksa us mUur [ksrh gsrq ikyh gkÅl fuekZ.k esa vfu;ferrk ds laca/k esa izHkkoh ck;ksVsd ,.M VsªfMax daiuh ds Mk;jsDVj Hkkjr iVsy eSustj] fou; 'kqDyk] ,tsUV ?ku';ke /kqzo ,oa tkap eSustj cSad vkWQ cM+kSnk 'kk[kk vkjax ds fo:} f'kdk;r fd;s gSa** vkSj bl tkap izfrosnu ds i`"B dz-&3 esa Fkkuk izHkkjh }kjk Li"V :Ik ls mYysf[kr fd;k x;k gS fd **vkosnd tkap esa ik;k x;k fd ikyh gkÅl yxkus okys fdlku Lor% izHkkoh ck;ksVsd dEiuh dk;kZy; ch Vh vkbZ jksM egkleqan ls dksVs'ku ysdj cSad esa vkosnu nsdj yksu Lohd`r djk;s gSaA izHkkoh ck;ksVsd dEiuh dk dk;Z LVsªDpj cukuk gS ,oa fMªi yxkuk gS ftldk 935 :Ik;s izfr oxZ ehVj dh nj ls pktZ fu/kkZfjr fd;s gSaA f'kdk;rdrkZ fdlkuksa ds ;gka ikyh gkÅl yxkus dk dk;Z izHkkoh ck;ksVsd dEiuh eq[;ky; Hkksiky czakp dk;kZy; egkleaaqn }kjk fd;k x;k gSA 06 f'kdk;rdrkZ 1- rqylhjke lkgw xzke rqexkao] 2- y{ehukjk;.k lkgw xzke dkaik] 3- I;kjsyky // 25 // /kqzo xzke fijnk] 4- rqylhjke lkgw xzke cupjkSnk] 5- eksgu yky /kqzo xzke ekuiqj] 6- larjke rqexko dk ikyh gkÅl ds dk;Z iw.kZ gks pqds gSaA dk;Z iw.kZ gksus dk izek.k&i= cSad vkWQ cM+kSnk }kjk LFky fujh{k.k dj cuk;k x;k gS] iqfyl }kjk Hkh LFky fujh{k.k fd;k x;kA lkFk gh cSad vkWQ cM+kSnk vkjax }kjk Lohd`r _.k ij vuqnku ds izdj.k jk"Vªh; ckxokuh cksMZ jk;iqj dh vksj 20-02-2016 dh vksj Hkstk tk ldk gS] tgka vuqnku izdj.k yafcr gSA f'kdk;rdrkZ Mksekj flag /kqzo xzke dkSok>j dk ikyh gkÅl LVsªDpj yxk gS fdUrq f'kdk;rdrkZ }kjk tehu leryhdj.k ,oa csM fizisz'ku dk dk;Z iw.kZ ugha fd;k x;k gS ftlls fMªi ugha yxk fdUrq fMªi dk iwjk lkeku Mksekj flag ds ;gka 06 ekg ls j[kk gSA dk;Z tkjh gS fdUrq viw.kZ gSA ftlls bldk vuqnku izdj.k jk"Vªh; ckxokuh cksMZ dks ugha x;k gSA** mlh izdkj dk;kZy; mi lapkyd vfHk;kstu egkleqan ds i= dzekad&Mh-Mh-ih-@egk-@285@16 fnukad&01-07-2016 tks Fkkuk izHkkjh rqexkao dks fy[kk x;k gS esa ;g mYysf[kr gS fd **vfHkys[k ij miyC/k rF; ,oa lk{; ls ;g Li"V gS fd ikyh gkÅl yxkus okys fdlku Lor% izHkkoh ck;ksVsd ,.M VªsfMax dEiuh ch- Vh- vkbZ- jksM egkleqan ls dksVs'ku ysdj cSad vkWQ cM+kSnk 'kk[kk vkjax ftyk jk;iqj esa vkosnu nsdj yksu Lohd`r djk;sA f'kdk;rdrkZ fdlkuksa ds ;gka ikyh gkÅl yxkus dk dk;Z izHkkoh ck;ksVsd dEiuh }kjk fd;k x;kA fd;s x;s dk;Z ds laca/k esa izh baLisD'ku fjiksVZ] iksLV baLisD'ku fjiksVZ ,oa dEIyh'ku lfVZfQdsV ls dEiuh }kjk djk;s x;s dk;ksZa dh iqf"V gksrh gSA fdlkuksa ls lacaf/kr lClhMh izdj.k dks jk"Vªh; ckxokuh cksMZ dks Hkstk x;k gSA // 26 // jk"Vªh; ckxokuh cksMZ ds Mk;jsVj vfuy dqekj }kjk fnukad&06-06-2016 dks Hksth x;h tkudkjh ls ;g izekf.kr gS fd lacaf/kr cSad ,oa vkosndksa }kjk tkudkjh miyC/k uk djk;s tkus ls lClhMh izdj.k dk fujkdj.k ugha fd;k tk ldrk ,oa mDr tkudkjh ds vHkko esa lClhMh nsus ds fy;s cksMZ ftEesnkj ugha gSA mijksDr rF;ksa ls ;g Li"V gS fd izdj.k esa laiw.kZ fookn lClhMh fn;s tkus ds laca/k esa gSA ;g ,d flfoy izd`fr dk fookn gks ldrk gS ,oa blds fy;s fof/k vuqlkj dk;Zokgh dh tkuh pkfg,A** 25- mi lapkyd vfHk;kstu rFkk Fkkuk izHkkjh ds tkap izfrosnu ls Li"V gS fd vukosnd dz-1] 3 ,oa 4 }kjk 935 izfr oxZ ehVj dh nj ls pktZ fu/kkZfjr fd;k x;k Fkk vkSj ikWyh gkÅl yxkus dk dk;Z izHkkoh ck;ksVsd dEiuh Hkksiky ,oa czkap egkleqan }kjk fd;k x;k gS rFkk rqylhjke lkgw xzke rqexkao] y{ehukjk;.k lkgw xzke dkaik] I;kjsyky /kqzo xzke fijnk] rqylhjke lkgw xzke cupjkSnk] eksgu yky /kqzo xzke ekuiqj ,oa larjke lkgw rqexkao dk ikWyh gkÅl dk;Z iw.kZ gqvk gS rFkk Mksekj flag /kqzo xzke dkSok>j dk ikWyh gkÅl LVsªDpj yxk gS fdUrq f'kdk;rdrkZ }kjk tehu leryhdj.k ,oa csM fizizs'ku dk dk;Z iw.kZ ugha fd;k x;k gS ftlls fMªi ugha yxk gS fdUrq fMªi dk iwjk lkeku Mksekj flag ds ;gka 06 ekg ls j[kk gS blls Li"V gS fd Lo;a Mksekj flag /kqzo }kjk viuh rjQ ls dk;Z dks iw.kZ ugha fd;k x;k gS vkSj tcfd vukosnd dz-1] 3 ,oa 4 }kjk fuekZ.k dk;Z dh lkexzh ,df=r dj mlds // 27 // ?kj esa j[k fn;k x;k gSA ,slh fLFkfr esa ;g ugha dgk tk ldrk fd vukosnd dz-1] 3 ,oa 4 us ikWyh gkÅl dk fuekZ.k dk;Z iw.kZ ugha fd;k gS vkSj fdlh izdkj dh mis{kk cjrk gS vkSj pwafd Mksekj flag /kqzo }kjk tehu leryhdj.k dk dk;Z ugha fd;k x;k gS blfy, mldk vuqnku izdj.k jk"Vªh; ckxokuh cksMZ dks ugha x;k gS rFkk lClhMh nsus ds fy, cksMZ ftEesnkj ugha gS vkSj ;g izdj.k flfoy izd`fr dk fookn gks ldrk gSA mlh izdkj mi lapkyd vfHk;kstu ds fjiksVZ ls Hkh izrhr gksrk gS fd fuekZ.k dk;Z iw.kZ gks x;k gS vkSj i{kdkjksa ds e/; tks fookn gS og lClhMh ls lacaf/kr fookn gSA 26- tkap izfrosnu ds lkFk rqylhjke lkgw dk tks dFku fy;k x;k gS mlesa ;g vfHkopu fd;k x;k gS fd **?ku';;ke /kqzo ds }kjk QthZ rjhds ls /kks[kk nsdj cSad vkWQ cM+kSnk vkjax ls 30 yk[k _.k Lohd`r djkdj Mk;jsDVj Hkjr iVsy izHkkoh ck;ksVsd ,oa VsªfMax izk- fyfeVsM vkWfQl ,p&3 ehV baMLVªht ,fj;k xksfoaniqj Hkksiky ds [kkrs esa VªkalQj fd;k x;k gSA tcfd mDr _.k dh jkf'k esjk cSad vkWQ cM+kSnk vkjax 'kk[kk ds [kkrk dzekad&39550600000293 esa tek gksuk Fkk vkSj bl izdkj /kks[kk&/kM+h fd;k gSA** rqylhjke lkgw] y{ehukjk;.k lkgw] I;kjsyky /kqzo] Mksekj flag] eksguyky /kqzo] larjke lkgw vkfn us /kks[kk&/kM+h dk dFku fd;k gSA bl izdkj izdj.k esa tks fookn gS og fo'kq} :Ik ls Ny ,oa dwVjpuk dk izrhr gksrk gS rFkk iqfyl tkap izfrosnu ls Li"V gS fd vukosnd dz-1] 3 ,oa 4 }kjk ikWyh gkÅl fuekZ.k djk;k x;k gS vkSj // 28 // dksbZ dk;Z 'ks"k ugha gS rFkk ifjoknh }kjk ,slk dksbZ lk{; izLrqr ugha fd;k x;k gS ftlls izdV gks fd tks fuekZ.k dk;Z fd;k x;k gS og fuEu Lrjh; gS rFkk ftl izdkj dk fookn i{kdkjksa ds e/; fo|eku gS ml ij foLr`r lk{; dh vko';drk gS rFkk ifjoknh }kjk Ny ,oa /kks[kk&/kM+h dk vkjksi yxk;k x;k gSA 27- Mahesh Kumar Vs. MG Motors I (2016) CPJ 110 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd "9. As observed above, the complaint has been filed by the petitioner regarding fraudulent treachery committed by the respondent. Therefore, the fraudulent act committed by respondent if any, cannot be dealt by the Consumer For a. For that purpose petitioner can approach the appropriate forum as available to him under the law."
28- bl izdj.k esa Hkh ifjoknh ds }kjk ;g crk;k x;k gS fd vukosnd dz-1 ls 5 }kjk mlds lkFk Ny fd;k x;k gSA iqfyl tkap izfrosnu esa tks lkf{k;ksa dk dFku fy;k x;k gS mlesa Hkh Ny ,oa diV] /kks[kk&/kM+h dk mYys[k gS vkSj bl izdkj bl izdj.k esa ifjoknh }kjk Ny fd;k tkuk vfHkopu fd;k gS rFkk izdj.k dh ifjfLFkfr dks ns[krs gq, bl izdj.k esa fof/k ,oa rF; ds tfVy iz'u fufgr gSa vkSj ,slh fLFkfr esa mldk fopkj.k miHkksDrk izdj.k ds :Ik esa fd;k tkuk laHko ugha gS vkSj ifjoknh ds fy, ;g mi;qDr gS fd og ;k rks Ny ,oa /kks[kk&/kM+h ds laca/k esa nkf.Md U;k;ky; esa ifjokn izLrqr djs ;k l{ke // 29 // flfoy U;k;ky; esa flfoy okn lafLFkr dj vuqrks"k izkIr djsA bl vk;ksx }kjk ifjoknh dks izdj.k dh ifjfLFkfr;ksa dks ns[krs gq, fdlh izdkj dk dksbZ vuqrks"k fn;k tkuk laHko ugha gSA 29- ifjoknh }kjk vukosnd dz-5 ls _.k fy;k x;k Fkk vkSj vukosnd dz-5 }kjk Li"V :Ik ls vfHkopu fd;k x;k gS fd jde ifjoknh ds [kkrs esa tek fd;k x;k Fkk vkSj ifjoknh }kjk mDr jkf'k vukosnd dz-1 ls 4 dks Hkqxrku fd;k x;k gS vkSj bl izdkj ifjoknh }kjk ,slk dksbZ nLrkosth lk{; izLrqr ugha fd;k x;k gS ftlls ;g izdV gks fd vukosnd dz-1 ls 4 us ikWyh gkÅl fuekZ.k dk;Z esa fdlh izdkj dh =qfV dkfjr fd;k gS vkSj vukosnd dz-5 cSad }kjk vukosnd dz-1 ls 4 dks jkf'k dk Hkqxrku dj lsok esa deh fd;k gSA 30- mijksDr foospuk ds ifjisz{; esa ifjoknh ;g lkfcr djus esa iw.kZr% foQy jgk gS fd vukosnd dz-1 ls 4 }kjk xzhu@ikWyh gkÅl fuekZ.k djus esa ykijokgh cjrrs gq, =qfViw.kZ fuekZ.k dk;Z fd;k gS vkSj vukosnd dz-5 cSad us jkf'k dk Hkqxrku djus esa O;kolkf;d dnkpj.k fd;k gS rFkk vukosnd dz-6 ,oa 7 }kjk lClhMh uk nsdj lsok esa deh fd;k gSA 31- mijksDr foospuk ds ifjizs{; esa ifjoknh fdlh izdkj dk vuqrks"k ikus dk vf/kdkjh ugha gSA ifjoknh us ftu U;k; n`"Vkarksa dk voyacu fy;k gS mlds rF; bl izdj.k ds rF; ls fHkUu gSa] vr% mldk ykHk ifjoknh dks ugha feyrk gSA // 30 // 32- mijksDr foospuk ds ifjizs{; esa ifjoknh dk ifjokn fujLr fd;k tkrk gSA ifjoknh pkgs rks l{ke {ks=kf/kdkj j[kus okys U;k;ky; esa okn izLrqr djus gsrq Lora= gSA izdj.k dh ifjfLFkfr;ksa dks ns[krs gq, i{kdkj viuk&viuk okn O;; Lo;a ogu djsaxsA ¼U;k;ewfrZ vkj-,l-'kekZ½ ¼Mh- ds- iksn~nkj½ ¼ujsanz xqIrk½ v/;{k lnL; lnL;
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