State Consumer Disputes Redressal Commission
Manager Chhattisgarh Rajya Gramin Bank vs Mahendra Kumar Sinha & Anr. on 30 May, 2016
NRrhlx<+ jkT;
miHkksDrk fookn Áfrrks"k.k vk;ksx] i.Mjh] jk;iqj vihy Øekad% FA/16/81 lafLFkr fnukad% 27.02.16 izca/kd] NRrhlx<+ jkT; xzkeh.k cSad] {ks=h; dk;kZy;] nqxZ] rglhy o ftyk nqx¼Z N-x-½ -----vihykFkhZ@vukosnd dz-1 fo:) 1- egsUnz dqekj flUgk] vk- Lo- iapwjke flUgk] vk;q 32 o"kZ] fuoklh% dykj ikjk] /ke/kk] okMZ dz-09] rglhy /ke/kk] ftyk nqx¼Z N-x-½ -----mRrjoknh dz-1@ifjoknh 2- izca/kd ¼vf/kd`r vf/kdkjh½] DysEl fjOgw desVh] ctkt ,fy;kat thou chek dEiuh fyfeVsM] th-bZ-Iyktk] ,;jiksVZ jksM] ;jonk] iq.ks& 411 006 ¼egkjk"Vª½ -----mRrjoknh dz-2@vukosnd dz-2 vihy Øekad% FA/16/89 lafLFkr fnukad% 29.02.16 ctkt ,fy;kat ykbZQ ba';ksjsal daiuh fyfeVsM] }kjk% vf/kd`r vf/kdkjh] th-bZ-Iyktk ,;jiksVZ jksM] ;jonk iq.ks - 411 006 ,oa 'kk[kk ,oa {ks=h; dk;kZy;] jk;iqj ¼N-x-½ -----vihykFkhZ@vukosnd dz-2 fo:) 1- egsUnz dqekj flUgk] vk- Lo- iapwjke flUgk] vk;q 32 o"kZ] fuoklh% dykj ikjk] /ke/kk] okMZ dz-09] rglhy /ke/kk] ftyk nqx¼Z N-x-½ -----mRrjoknh dz-1@ifjoknh // 2 // 2- izca/kd] NRrhlx<+ jkT; xzkeh.k cSad] {ks=h; dk;kZy;] nqxZ] rglhy o ftyk nqx¼Z N-x-½ -----mRrjoknh dz-2@vukosnd dz-1 le{k% ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k ekuuh;k lqJh fguk BDdj] lnL;k ekuuh; Jh Mh- ds- iksn~nkj] lnL;
ekuuh; Jh ujsUnz xqIrk] lnL;
i{kdkjksa ds vf/koDrk ifjoknh dh vksj ls Jh vkj-,u-flUgk] vf/koDrkA vukosnd dz-1 dh vksj ls Jh vkj-ds-Hkkoukuh] vf/koDrkA vukosnd dz-2 dh vksj ls Jh ,l-iaM~;k] vf/koDrkA vkns'k fnukad% 30@05@2016 }kjk% ekuuh; Jh Mh-ds-iksn~nkj] lnL;
vihy dz-FA/16/81 vukosnd dz-1 rFkk vihy dz-FA/16/89 vukosnd dz-2 }kjk /kkjk 15 miHkksDrk laj{k.k vf/kfu;e 1986 ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] nqxZ ¼N-x-½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje^^ lacksf/kr fd;k tk;sxk½ ds ifjokn izdj.k dzekad CC/15/243 ^^egsUnz dqekj flUgk fo:) izca/kd] NRrhlx<+ jkT; xzkeh.k cSad ,oa ,d vU;^^ esa ikfjr vkns'k fnukad 01.02.2016] ftlds }kjk ifjoknh ds ifjokn dks Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd%& ¼1½ vukosnd dz-1 ,oa 2 la;qDr ,oa vyx&vyx :i ls] ifjoknh dks 2]50]000:- ¼nks yk[k ipkl gtkj :i;s½ vnk djsaxsA ¼2½ vukosnd dz-1 ,oa 2 la;qDr ,oa vyx&vyx :i ls] ifjoknh dks mDr jkf'k ij ifjokn izLrqrh fnukad 12-05-2015 ls Hkqxrku fnukad rd 09 izfr'kr okf"kZd dh nj ls C;kt Hkh iznku djsaA ¼3½ vukosnd dz-1 ,oa 2 la;qDr ,oa vyx&vyx :i ls] ifjoknh dks okn O;; ds :i esa 5]000:- ¼ikap gtkj :i;s½ Hkh vnk djsaxsA ls nqf[kr gksdj izLrqr fd;k x;k gSA // 3 // 2- pwafd nksuksa vihy ,d gh vkns'k fnukad 01-02-2016 ds fo:) vukosnd dz-1 ,oa vukosnd dz- 2 }kjk izLrqr dh xbZ gSA vr% lqfo/kk ,oa lqxerk dh n`f"V ls vihykFkhZx.k dks vkxs vkns'k esa mudh ekSfyd izkfLFkfr ls lacksf/kr fd;k tkosxk ,oa nksuksa gh vihy esa lkekU; fof/kd iz'u vUrfuZfgr gS] vr% nksuksa vihyksa dk fujkdj.k bl ,d gh vkns'k ds }kjk fd;k tk jgk gSA bl vkns'k dh ewy izfr vihy dz-FA/16/81 esa layXu dh tkos ,oa vkns'k dh izfr vihy dz-FA/16/89 esa layXu dh tkosA 3- ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl izdkj jgk gS fd ifjoknh ds firk Lo- iapwjke dk ,d [kkrk vukosnd dz-1 dh 'kk[kk uudV~Vh esa Fkk] ftldk [kkrk dz-2650 yS-i`-dz-23@20 u;k [kkrk dz-814210001124 gS tks fnukad 07-10-1998 dks [kqyk gSA Lo- iapwjke dh e`R;q fnukad 08-11-2013 dks gks xbZA vukosnd dz-1 }kjk vius [kkrk/kkjdksa dks ;g tkudkjh nh xbZ fd vukosnd dz-2 chek daiuh }kjk loZ 'kfDr lqj{kk uke ls ,d ikWfylh tkjh dh xbZ g]S tks fd xzqi chek ikWfylh gS] [kkrk/kkjd }kjk ikWfylh ysus ij ikWfylh dh izhfe;e jkf'k lnL; ds [kkrs ls fu;fer :i ls chek daiuh esa tek djkus dh ftEesnkjh vukosnd dz-1 dh Fkh rFkk izhfe;e jkf'k :-10]000@& okf"kZd FkhA de ls de ikap o"kksZa rd izhfe;e dh fu;fer vnk;xh vko';d Fkh] ftlds vuqlkj chfer jkf'k :-2]50]000@& FkhA ifjoknh ds firk us lu~ 2011 esa vukosnd dz-2 }kjk tkjh mDr thou chek ikWfylh dh lnL;rk yh Fkh] ftldh lnL;rk dz-0219200897 gS rFkk Lo- iapwjke us lnL;rk ysrs le; ikWfylh ds ukWfeuh vius iq=] ifjoknh egsUnz dqekj flUgk dks cuk;kA Lo- iapwjke [kkrk/kkjd dh e`R;q i'pkr~ leLr nLrkostksa lfgr Dyse QkeZ Hkjdj vukosnd dz-1 dh 'kk[kk ds ek/;e ls vukosnd dz-2 dks fn;kA vukosnd dz-2 chek daiuh }kjk fnukad // 4 // 25-09-2014 dks vukosnd dz-1 dks lwfpr fd;k x;k fd ikWfylh ds lnL; iapwjke ds uke dk Dyse fujLr gks pqdk gS] D;ksafd ikWfylh dh izhfe;e dk Hkqxrku vukosnd dz-1 }kjk tek ugha djk;k x;kA ifjoknh ds firk Lo- iapwjke ds [kkrs esa fnukad 23-05-2012 dks :-10]000@& ctkt ,yk;at ds uke ij vkgfjr gksuk vfHkys[k esa ntZ gS] ftlls ;g Li"V gksrk gS fd vukosnd dz-1 }kjk ikWfylh dh izhfe;e jkf'k :-10]000@& ikWfylh ds lnL; ds [kkrs ls vkgfjr dh xbZ gS rc vukosnd dz-2 chek daiuh esa tek D;ksa ugha dh xbZA vxj tek ugha dh xbZ rc bldh iw.kZ ftEesnkjh vukosnd dz-1 dh gS vkSj blus viuh ftEesnkjh ,oa drZO;ksa dk fuoZgu djus esa ?kksj mis{kk fd;k gS ,oa ykijokgh cjrh gSA blfy, vukosnd dz-1 ifjoknh dks {kfriwfrZ ds :i esa ikWfylh dh 'krksZa ds vuqlkj :-2]50]000@& nsus ds fy, ftEesnkj gSA vukosnd dz-2] tks ,d chek daiuh gS] mlus Hkh vius drZO;ksa dk fuoZgu ugha fd;k gSA tc ikWfylh ds vuqlkj izhfe;e okf"kZd ns; Fkh] rc izhfe;e dh ns; fnukad ds iwoZ i;kZIr le; ds jgrs ikWfylh /kkjd lnL; dks fyf[kr esa lwpuk Hkstdj ns; frfFk rFkk izhfe;e dh jkf'k ds laca/k esa lwfpr djuk FkkA ijarq ,slk u dj vukosnd dz-2 us vius drZO;ksa dk ?kksj vuns[kk fd;k gS vkSj xzqi ekLVj] tks vukosnd dz-1 gS] dh mis{kk ds fy, ikWfylh ds lnL; dks nk;h Bgjk fn;k vkSj vius nkf;Roksa ls cpus dk iz;kl dj jgk gSA blfy, vukosnd dz-2 Hkh ifjoknh dks :-2]50]000@& vnk djus ds fy, ftEesnkj gSA mDr laca/k esa ifjoknh us vius vf/koDrk ds ek/;e ls fnukad 23-12-2014 dks vukosnd dz-1 ,oa vukosnd dz-2 dks jftLVMZ uksfVl izsf"kr djok;k] ftldk vukosndx.k us dksbZ tokc ugha fn;kA vukosndx.k dk mijksDr d`R; lsok esa deh ,oa O;kolkf;d dnkpj.k dh Js.kh esa vkrk gSA bl izdkj ifjoknh us vius ifjokn i= ds dafMdk 13 izkFkZuk esa of.kZr vuqlkj vuqrks"k iznku fd;s tkus dk fuosnu fd;k gSA // 5 // 4- ifjoknh }kjk vius i{k leFkZu esa ftyk Qksje ds le{k nLrkost izn'kZ ih 1 ctkt ,yk;at ykbZQ ba';ksjsal daiuh fyfeVsM dk Dyse fjtsD'ku] fnukad 25-09-2014 dh QksVksizfr] izn'kZ ih 2 ctkt ,yk;at ykbZQ ba';ksjsal da- fy- }kjk tkjh loZ 'kfDr lqj{kk ikWfylh dh QksVksizfr] izn'kZ ih 3 ctkt ,yk;at ykbZQ ba';ksjsal da- fy- }kjk tkjh psd fnukad 22-09-2014 dh QksVksizfr] in'kZ ih 4 ikWfylh/kkjd dk e`R;q izek.k i= fnukad 27-11-2013 dh QksVksizfr] izn'kZ ih 5 cpr [kkrk iklcqd fnukad 07-10-1998 dh QksVksizfr] izn'kZ ih 6 'kk[kk izca/kd] nqxZ jktukanxkao xzkeh.k cSad dks izsf"kr uksfVl fnukad 23-12-2014 dh QksVksizfr] izn'kZ ih 7 iksLVy jlhn fnukad 24-12-2014] izn'kZ ih 8 izkIr Lohd`fr ¼jlhn½] izn'kZ ih9 izca/kd] nqxZ jktukanxkao xzkeh.k cSad dks izsf"kr uksfVl fnukad 23-12-2014] izn'kZ ih 11 izkIr Lohd`fr ¼jlhn½] izn'kZ ih 12 izca/kd ¼vf/kd`r vf/kdkjh½ Dyse fjO;w dfeVh] ctkt ,yk;Ut thou chek daiuh fyfeVsM dks izsf"kr uksfVl fnukad 23-12-2014] izn'kZ ih 13 iksLVy jlhn fnukad 24-12-2012] izn'kZ ih14 NRrhlx<+ jkT; xzkeh.k cSad dks izsf"kr uksfVl dk tokc fnukad 15-01-2015] Anex -15 izca/kd] nqxZ jktukanxkao xzkeh.k cSad dks izsf"kr uksfVl fnukad 23-12-2014 ¼typed copy½] Anex-16 iksLVy jlhn fnukad 26-02-2015] Anex-17 izca/kd] nqxZ jktukanxkao xzkeh.k cSad dks izsf"kr uksfVl fnukad 25-02-2015 ,oa Anex-18 izkIr Lohd`fr ¼jlhn½ izLrqr fd;k gSA 5- vukosnd dz-1 dh vksj ls ftyk Qksje ds le{k fyf[kr tokcnkok izLrqr dj lkjka'kr% ;g vfHkopu izLrqr fd;k x;k gS fd ifjoknh ds firk us Lo;a vukosnd dz-2 ds ek/;e ls vukosnd dz-1 ds ikl vk;k FkkA vukosnd dz-1 ,oa vukosnd dz-2 ds e/; jsQjy ,xzhesaV gqvk FkkA 'kq:vkrh fd'r tek djus ds ckn vukosnd dz-2 }kjk dksbZ funsZ'k vukosnd dz- 1 dks ugha fn;k x;k Fkk] blfy, mlds }kjk vius eu ls // 6 // jkf'k dkVdj tek ugha dh xbZA ,xzhesaV dh dafMdk 3 vkbZ ds vuqlkj ctkt ,fy;kat dh gh lEiw.kZ ftEesnkjh Fkh] fd og chek/kkjd dks nh tkus okyh lfoZl] izhfe;e jkf'k rFkk tks ikWfylh ySIl gks tkus ij mls lgh :i ls Qkyksvi djuk bR;kfn] bl izdkj ,xzhesaV dh 'krksZa ds vuqlkj izhfe;e jkf'k dks dkVdj tek djus dh ftEesnkjh vukosnd dz-2 dh Fkh] vukosnd dz-1 dh ugha FkhA vukosnd dz-1 us fdlh izdkj ls lsok esa deh] ykijokgh ugha dh gS] mls vuko';d :i ls izdj.k esa i{kdkj cuk;k x;k gS rnkuqlkj ifjokn vukosnd dz-1 ds fo:) lO;; fujLr fd, tkus dh izkFkZuk dh xbZ gSA 6- vukosnd dz-1 }kjk vius i{k ds leFkZu esa ftyk Qksje ds le{k nLrkost Annexure NA D-1 jsQjy ,xzhesaV fnukad 18-06-2009] Annexure NA D-2 ifjoknh ds firk dk cSad [kkrk fooj.kh izLrqr fd;k x;k gSA 7- vukosnd dz-2 dh vksj ls ftyk Qksje ds le{k tokcnkok izkjafHkd vkifRr ds lkFk bl vk'k; dk izLrqr fd;k x;k gS fd ifjokn ln~Hkkfod] leqfpr ,oa fof/kd ugha gksus ls fujLr fd, tkus ;ksX; gSA vukosnd dz-2 chek daiuh }kjk vfHkdfFkr chek ikWfylh tkjh dh xbZ FkhA vukosnd dz-2 vukosnd dz-1 ds ek/;e ls loZ'kfDr lqj{kk ikWfylh tkjh djrk gS vkSj [kkrk /kkjdksa dk chek djrk gSA ;fn izhfe;e dh jkf'k dk Hkqxrku vfu;fer gS vkSj ugha fd;k x;k gS] rks ikWfylh ds ykHk dk chek/kkjd vf/kdkjh ugha gksrk gSA vfHkdfFkr chek ikWfylh fnukad 21-05-2011 ls izkjaHk gqbZ FkhA izR;sd o"kZ 21 ebZ dks chek /kkjd dks izhfe;e dh jkf'k dk Hkqxrku djuk Fkk] fdUrq chek /kkjd us o"kZ 2012 esa nwljk izhfe;e ,oa rhljk izhfe;e iznku ugha fd;k vkSj chek/kkjd dh fnukad 08-11-2013 dks e`R;q gks xbZA chek ikWfylh 21-05-2013 ls 21-05-2014 ds fy, ySIl gksdj fujLr gks xbZ Fkh rFkk vc ifjoknh dks // 7 // nkok jkf'k :-2]50]000@& izkIr ugha gks ldrhA izhfe;e dk Hkqxrku djuk chek/kkjd dk nkf;Ro gS u fd chek daiuh dk nkf;Ro gSa ifjoknh dks ljsaMj oSY;w :-16]690@& dk Hkqxrku fnukad 22-09-2014 dks psd ds ek/;e ls fd;k x;k gSSA mijksDr Hkqxrku ifjoknh us vukosnd dz-1 ds ek/;e ls iw.kZ ,oa vafre larqf"V esa izkIr dj fy;k gS] blfy, og mijksDr Hkqxrku ls larq"V FkkA vkxs og nkok ugha yk ldrk] vr% izLrqr vkosnu lO;; fujLr fd, tkus dh izkFkZuk dh xbZ gSA 8- vukosnd dz-2 }kjk vius i{k ds leFkZu esa ftyk Qksje ds le{k nLrkost Anx NA-1 iziksty QkeZ fnukad 21-05-2011] Anx NA-2 chek ikWfylh dz-0177377028] Anx NA-3 psd dz-100810 :-16]690@& fnukad 22-09-2014 dh QksVksizfr] Anx NA-4 Dyse LVsVesaV fnukad 26-06-2014 dh QksVksizfr] Anx NA-5 Dyse uksfVfQds'ku fnukad 18-08-2014 dh QksVksizfr ,oa Anx NA-6 psd fyLV QkWj vkWy buokMZ Dyse izLrqr fd;k x;k gSA 9- ftyk Qksje us mHk;i{kksa dh vksj ls izLrqr nLrkosth lk{; ,oa 'kiFki=ksa ds ifj'khyu ds i'pkr~ ifjoknh dk ifjokn ;g fu"d"kZ fudkyrs gq, fd vukosnd dz-1 ,oa vukosnd dz-2 us vfHkdfFkr xzqi ikWfylh ds laca/k esa lsok esa fuEurk ,oa ?kksj O;kolkf;d nqjkpj.k fd;k gS] Lohdkj djrs gq, Åij dafMdk 1 esa of.kZr vuqlkj vuqrks"k iznku fd;k gS] ftlds fo:) ;g vihy gSA 10- vukosnd dz-1 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh vkj-ds-Hkkoukuh dk eq[; rdZ ;g gS fd ftyk Qksje }kjk bl rF; dh vuns[kh dh xbZ gS fd vukosnd dz-1 dh jkf'k tek djus dh tokcnkjh FkhA bl laca/k esa ftyk Qksje ds }kjk tks vk/kkj fy;k x;k gS] og fu;eksa ds foijhr ,oa fof/k foijhr gSA ftyk Qksje ds }kjk // 8 // vukosnd dz-1 cSad ds }kjk izLrqr tokcnkos dks lw{erk ls v/;;u ugha fd;k x;k gSA vf/koDrk us rdZ fd;k fd vukosnd dz-1 ,oa 2 ds chp jsQjy ,xzhesaV gqvk FkkA mDr ,xzhesaV dh dafMdk 3 vkbZ ds vuqlkj ctkt ,fy;kat dh laiw.kZ tokcnkjh gksxhA chek/kkjd dks nh tkus okyh lfoZl mldh vksj ls vnk dh tkus okyh izhfe;e jkf'k rFkk tks ikWfylh ySIl gks xbZ Fkh] mls Hkh lgh :i ls QkWyksvi djuk ctkt ,fy;kat dh tokcnkjh FkhA mDr rF;ksa dks vuns[kk dj ftyk Qksje us tks vkns'k ikfjr fd;k gS] og vikLr fd, tkus ;ksX; gSA ftyk Qksje ds }kjk ,xzhesaV dh dafMdk 5 ¼bZ½ dk lw{erk ls voyksdu u djds fof/kfo:) vkns'k ikfjr fd;k gSA ;gka ;g Li"V fd;k tkrk gS fd Lo;a ifjoknh ds }kjk ikWfylh yh xbZ Fkh vkSj ;g ifjoknh ,oa mlds ifjokj dh ftEesnkjh Fkh] fd os izhfe;e dh jkf'k tek djrsA ftyk Qksje ds }kjk vius vkns'k esa cSad dh ftEesnkjh ds laca/k esa tks fu"d"kZ fn;k x;k gS] og fof/k fo:) gksus ls vikLr fd, tkus ;ksX; gSA vukosnd dz-2 chek daiuh ds }kjk ifjoknh dks ljsaMj oSY;w :-16]690@& dk Hkqxrku psd ds ek/;e ls fnukad 22-09-2014 dks fd;k x;k gSA mijksDr Hkqxrku ifjoknh }kjk iw.kZ ,oa vafre larqf"V esa izkIr fd;k x;k gSA blfy, mlds }kjk orZeku nkok fof/kfo:) gSA ftyk Qksje ds }kjk vius vkns'k esa bl rF; dk mYys[k djus ds ckotwn] fd mijksDr fookn ifjoknh ,oa chek daiuh ds chp Fkk] vukosnd dks chek daiuh ds lkFk gq, jsQjy ,xzhesaV dk voyksdu fd, fcuk] ftEesnkj Bgjk;k x;k gS rFkk la;qDr :i ls ftEesnkj Bgjk;k x;k gSSA bl otg ls ftyk Qksje }kjk ikfjr vkns'k vikLr fd, tkus ;ksX; gSA bl rjg mijksDr vk/kkj ij vihy Lohdkj fd, tkus dk fuosnu fd;k gSA 11- vukosnd dz-2 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ,l- iaM~;k dk rdZ gS fd e`rd iapwjke dh ikWfylh 21-05-2011 dks // 9 // izkjaHk gqbZ gSA vxyk izhfe;e 21-05-2012 dks fu;r FkkA izFke izhfe;e dh jlhn tkjh dh xbZ gS tcfd nwljk izhfe;e fnukad 21-05-2012 dks fn;k x;k gS ysfdu rhljk izhfe;e tks 21-05-2013 dks Hkqxrku gsrq fu;r Fkk] dk Hkqxrku chek daiuh dks ugha fd;k x;k gSA bl laca/k esa vukosnd dz-1 cSad }kjk vius tokcnkos dh dafMdk 07 esa dFku fd;k x;k gS fd izhfe;e dh jkf'k] e`R;q ds iwoZ dkV dj tek dh xbZ jkf'k fu"ikfnr jsQjy ,xzhesaV ds rgr chek daiuh dh ftEesnkjh gksxh fd og izhfe;e dysDV djsA ysfdu ,d fo'ks"k nLrkost] tks cSad }kjk izLrqr fd;k x;k gS] ftlesa cSad }kjk iapwjke flUgk ds [kkrs ls :-10]000@& dVkSrh ctkt ,yk;at ds uke ij dh xbZ gS vkSj og ebZ 2012 dk gS] ftlls izdV gksrk gS fd cSad }kjk ebZ 2012 ds i'pkr~ izhfe;e jkf'k ugha fudkyh xbZ gSA vukosnd dz-1 ,oa vukosnd dz-2 ds e/; loZ'kfDr lqj{kk ds uke ij ikWfylh gSA mijksDr ikWfylh esa eq[; ikWfylh gksYMj cSad gS rFkk xzqi ,DlhMsaV ds :i esa cSad dk [kkrk/kkjd dk chek fd;k tkrk gS vkSj ml [kkrk /kkjd dks lfVZfQdsV vkWQ b';ksjsal izLrqr fd;k x;k gS ftlds dafMdk 2 dks fNik dj ifjoknh }kjk ftyk Qksje dks Hkzfer fd;k x;k gSA chek daiuh }kjk o"kZ 2013&14 ds fy, izhfe;e izkIr ugha fd;k x;k gS vkSj e`rd iapwjke flUgk fnukad 08-11-2013 dks e`r gqvk gS] blfy, chek daiuh ifjoknh dks izhfe;e ugha nsus ds dkj.k :-2]50]000@& chek/ku nsus gsrq nkf;Rok/khu ugha gS vkSj mldk nkok fof/kd vk/kkj ij fujLr djds dksbZ lsok esa deh ugha dh xbZ gSA ,xzhesaV dh dafMdk 5 esa ,slk dgha mYysf[kr ugha gS fd chek daiuh dk ,tsUV vFkok Lo;a izhfe;e dh jkf'k dysDV djus ds fy, cSad ds ikl tk,xhA cSad us Lo;a ystj izLrqr fd;k gS] ftlus lh/ks izhfe;e dh jkf'k dk varj.k fd;k gSA cSad }kjk fnukad 23-05-2012 dks izhfe;e dh jkf'k varfjr dj nh xbZ Fkh] rks fnukad 23-05-2013 dks iapwjke flUgk e`rd ds [kkrs ls chek jkf'k D;ksa ugha varfjr dh xbZ\ vukosnd dz-2 chek daiuh // 10 // }kjk chek/ku u nsdj lsok esa deh ugha dh xbZ gS] cfYd mijksDr d`R; mfpr ,oa fof/kd gSA bl rjg mijksDr vk/kkj ij vihy Lohdkj fd, tkus dk fuosnu fd;k gSA vukosnd dz-2 us U;k;n`"Vkar Life Insurance Corporation of India Vs. Mani Ram, III (2005)CPJ 31 (SC), Sushila Devi Vs. Life Insurance Corporation of India, I (2016) CPJ 351 (NC), The Branch Manager, Life Insurance Corporation of India & Anr. Vs. Sri Ranganath, 2014 2 CPR (NC) 230, ,oa Life Insurance Corporation of India Vs. Vidhya Devi, II (2016) CPJ 61 (NC) ij viuk fo'okl O;Dr fd;k gSA pwafd izLrqr izdj.k dh ifjfLFkfr;ka vyx gS blfy, bu U;k; n`"Vkarksa dk ykHk vukosnd dz-2 dks ugha feyrk gSA 12- ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh vkj- ,u-flUgk] dk rdZ gS fd ifjoknh ds firk Lo- iapwjke dk ,d [kkrk vukosnd dz-1 dh 'kk[kk uudV~Vh esa Fkk] ftldk [kkrk dz-2650 rFkk u;k [kkrk dz-814210001124 gS tks fd fnukad 07-10-1998 dks [kqyk FkkA vukosnd dz-1 tks fd ml le; nqxZ jktukanxkao xzkeh.k cSad ds uke ls tkuk tkrk Fkk] us vius [kkrk /kkjdksa dks ;g tkudkjh nh fd vukosnd dz-2 ctkt ,yk;at thou chek daiuh fyfeVsM }kjk loZ 'kfDr lqj{kk uke ls ,d ikWfylh tkjh dh xbZ gS tks fd xzqi ikWfylh gSA [kkrk/kkjd }kjk ikWfylh ysus ij ikWfylh dh izhfe;e jkf'k lnL; ds [kkrs ls fu;fer :i ls chek daiuh esa tek djkus dh ftEesnkjh vukosnd dz-1 dh gksxh rnkuqlkj ifjoknh ds firk us lu~ 2011 esa vukosnd dz-2 }kjk tkjh loZ'kfDr lqj{kk ikWfylh dh lnL;rk yhA vukosnd dz-1 }kjk ftEesnkjh dk fuokZg dj 23-05-2012 dks ifjoknh ds [kkrs ls fizfe;e dh jkf'k dkVdj vukosnd dz-2 dks izsf"kr fd;k x;k gSA ifjoknh us Lo- iapwjke flUgk dh e`R;q fnukad 08-11-2013 ds i'pkr~ leLr nLrkostksa ds lkFk Dyse QkeZ Hkjdj vukosnd dz-1 'kk[kk ds ek/;e ls vukosnd dz-2 // 11 // dks fn;kA vukosnd dz-2 chek daiuh us vius i= fnukad 25-09-2014 ds ek/;e ls vukosnd dz-1 dks lwfpr fd;k fd mDr Dyse ikWfylh dh fu;fer izhfe;e tek u gksus ds dkj.k dkykrhr gks x;k gS] ftlds dkj.k nkok fujLr fd;k x;k gSA izhfe;e tek djus dh ftEesnkjh vukosnd dz-1 dh gS] mlus viuh ftEesnkjh ,oa drZO;ksa ds fuoZgu esa ?kksj mis{kk ,oa ykijokgh cjrh gS vr% ikWfylh 'krksZa ds vuqlkj izhfe;e Hkqxrku djus ds fy, ftEesnkj gSA vukosnd dz-2 izhfe;e dh ns; frfFk ds iwoZ] i;kZIr le; ds jgrs] ikWfylh /kkjd dks fyf[kr esa lwpuk Hkstdj ns; frfFk rFkk izhfe;e dh jkf'k ds laca/k esa lwfpr djuk FkkA ,slk u dj vukosnd dz-2 chek daiuh us vius drZO;ksa dk ?kksj vuns[kk fd;k rFkk xzqi ekLVj tks vukosnd dz-1 gS] dh mis{kk ds fy, ifjoknh dks nk;h Bgjk fn;k gS vkSj viuh ftEesnkjh ls cpus dk iz;kl fd;k gSA tcfd ikWfylh 'krksZa ds vuqlkj Hkqxrku djus ds fy, ftEesnkj gSA vf/koDrk us ftyk Qksje ds vkns'k dks U;k;ksfpr vkns'k fu:fir fd;k rFkk mDr vkns'k dks ;Fkkor~ cuk, j[kus dk fuosnu fd;k gSA 13- geus mHk;i{k ds vf/koDrkvksa dk rdZ Jo.k fd;kA lkFk gh lkFk ftyk Qksje ds vfHkys[k ,oa vkyksP; vkns'k dk Hkh ifj'khyu fd;kA 14- izLrqr izdj.k esa ;g iz'u mn~Hkqr gksrk gS fd ¼1½ D;k ifjoknh us mDr ikWfylh ds izhfe;e Hkqxrku esa vfu;ferrk cjrk gS\ ¼2½ D;k vukosnd dz-1 us ifjoknh ds loZ'kfDr lqj{kk ikWfylh ds rgr mlds funsZ'kksa dk ,oa mDr ikWfylh ds ekLVj ikWfylh gksYMj ds drZO; ikyu esa lsok esa deh ,oa ykijokghiw.kZ d`R; dkfjr fd;k gS\ ¼3½ D;k vukosnd dz-2 us ifjoknh ds chek ikWfylh ds laca/k esa ?kksj ykijokghiw.kZ d`R; dkfjr fd;k gS\ fopkj.kh; iz'uksa dk fujkdj.k fuEukuqlkj fd;k tk jgk gSA // 12 // 15- ifjoknh ds firk Lo- iapwjke flUgk vukosnd dz-1 ds 'kk[kk esa fnukad 07-10-1998 ls cpr [kkrk dz-2650 dk lapkyu dj jgk FkkA vukosnd dz-1 ds }kjk loZ 'kfDr lqj{kk uke ds xzqi chek ikWfylh dh tkudkjh fn, tkus ij lu~ 2011 esa iziksty QkeZ Hkjdj rFkk tekdj mldk lnL; cukA mDr ikWfylh dk ekLVj ikWfylh /kkjd vukosnd dz- 1 gSA vukosnd dz-1 ,oa vukosnd dz-2 ds chp esa jsQjsy ,xzhesaV fu"ikfnr gqvk gSA nLrkost dz-D-1 esa Li"V mYysf[kr gS **Banks have been an integral part of our expansion plans of the Company blessed as they are, with a huge goodwill and very large customer base. as a part of our avowed faith in Banks' abilities to represent us to a larger India diaspora through its huge customer base, we present before you a proposal for a distribution tie-up with your exteemed Bank** mlh nLrkost esa vukosnd dz-2 }kjk mDr dk;Z ds fy, vukosnd dz-1 dks Referral fees Hkqxrku ds laca/k esa mYys[k fd;k x;k gSA mDr nLrkost rFkk iziksty QkeZ ds ifj'khyu ls ;g fl) gksrk gS fd vukosnd dz-2 dh chek ikWfylh dh lnL;rk vukosnd dz-1 ds lg;ksx ls ifjoknh us fy;k gSA ifjoknh dk nkok i=d rFkk nkok fujLrhdj.k dh lwpuk vukosnd dz-1 ds ek/;e ls fd;k x;k gS] tks fd ifjoknh ds nLrkost Anx A-1 tks fd nkok fujLr djus dk i= gS] vukosnd dz-2 }kjk vukosnd dz-1 dks lacksf/kr fd;k x;k gS] ls fl) gksrk gS fd vukosnd dz-1 chek ikWfylh dk ftEesnkj i{kdkj gSA ifjoknh us izLrko i= esa izhfe;e ds fu;fer Hkqxrku gsrq vius [kkrk dz-2650 dks ukes djus gsrq vf/kd`r djrs gq, LFkkbZ funsZ'k fn;k rFkk [kkrs esa i;kZIr 'ks"k j[kkA ifjoknh ds mDr ikWfylh dk izhfe;e tc 21-05-2013 dks Hkqxrku gsrq fu;r Fkh] ml le; mlds cpr [kkrs esa i;kZIr 'ks"k jkf'k FkhA izdj.k esa izLrqr nLrkostksa ds ifj'khyu ls ;g Li"V gksrk gS fd ifjoknh ds izhfe;e Hkqxrku laca/kh LFkkbZ vuqns'k dk ikyu vukosnd dz-1 }kjk dh xbZ gSA bl rjg ifjoknh ds nLrkost cpr [kkrk iklcqd ds fnukad // 13 // 23-05-2012 ds izfof"V ls fl) gksrk gS fd ifjoknh ds [kkrs ls :-10]000@& izhfe;e jkf'k vukosnd dz-1 }kjk vukosnd dz-2 dks izsf"kr dh xbZ gSA rnkuqlkj] ebZ 2013 esa tc mDr izhfe;e Hkqxrku gsrq fu;r Fkk rFkk [kkrs esa i;kZIr jkf'k 'ks"k Fkh] rc vukosnd dz-1 dks izhfe;e jkf'k vukosnd dz-2 dks izsf"kr djuk Fkk] ijarq vukosnd dz-1 us ,slk ugha fd;k gS blls ;gh fl) gksrk gS fd vukosnd dz-1 us ifjoknh dh lsok esa deh ,oa ykijokghiw.kZ d`R; dkfjr fd;k gSA bl rjg vukonsd dz-1 lEiw.kZ chek jkf'k Hkqxrku djus ds nkf;Rok/khu gSA 16- ifjoknh us vukosnd dz-2 dks izLrko i= esa izhfe;e ds Hkqxrku ds laca/k esa LFkkbZ vuqns'k fn;k Fkk] ftldk ikyu djus dk mRrjnkf;Ro vukosnd dz-2 dk Fkk] ftls u dj lsok esa deh ,oa ?kksj ykijokgh dk d`R; dkfjr fd;k gSA mDr ikWfylh dks dkykrhr ?kksf"kr djus ds igys fyf[kr esa lwpuk ifjoknh ds ikl Hkstus ds fy, vukosnd dz-2 nkf;Rok/khu FkkA vukosnd dz-2 us ,slk dksbZ nLrkost izLrqr ugha fd;k gS ftlls fl) gks fd mlus mDr drZO; dk fuoZgu fd;k gSA vukosnd dz-2 us u rks ifjoknh dks vkSj u gh ekLVj ikWfylh gksYMj vukosnd dz-1 dks ikWfylh dkykrhr gksus dh lwpuk izsf"kr fd;k gSA bl rjg vukosnd dz-2 lEiw.kZ chek jkf'k Hkqxrku ds nkf;Rok/khu gSA 17- vukonsd dz-1 us rdZ fd;k gS fd ctkt ,fy;kat }kjk vukosnd dz-1 dks funsZ'k ugha fn;k x;k Fkk] blfy, mlds }kjk vius eu ls jkf'k dkVdj tek djus dk iz'u gh ugha mRiUu gksrkA vukosnd dz-1 dk ;g rdZ mlds }kjk ifjoknh ds [kkrs ls 23-05-2012 dks izhfe;e dkVdj Hksts tkus ds dkj.k Lohdkj ;ksX; ugha gSA ifjoknh us izLrko i=] tks fd vukosnd dz-2 }kjk izLrqr nLrkost gS] esa funsZ'k fn;k gS%& // 14 // **I hereby authorise the DRGB to debit my Savings/Current/Kisaan Credit Card/Loan Account No. 2650 For a sum of Rs. 10000 towards paying premium for Bajaj Allianz SSS Policy membership every year during the life of the policy. Signature of Life Assured sd/- iapwjke flUgk** mijksDr ds ifj'khyu ls Li"V gksrk gS fd ifjoknh us izhfe;e dVkSrh ds laca/k esa LFkkbZ funsZ'k tkjh fd;k Fkk rFkk ftlds vk/kkj ij vukosnd dz-1 }kjk fnukad 23-05-2012 dks izhfe;e dkV dj vukonsd dz-2 dks izsf"kr fd;k x;k FkkA bl izdkj ;g fl) gksrk gS fd mDr ikWfylh dk izhfe;e ns; frfFk dks vukosnd dz-1 }kjk izhfe;e izsf"kr fd;k tkuk Fkk] ftls izsf"kr djus ds nkf;Ro dk fuoZgu u dj vukosnd us lsok esa deh ,oa ?kksj ykijokghiw.kZ d`R; dkfjr fd;kA vukosnd dz-1 us ,xzhesaV dh dafMdk 3 vkbZ dk lgkjk ysrs gq, rdZ fd;k gS fd ctkt ,fy;kat dh laiw.kZ tokcnkjh gksxh fd og bl ckr dk /;ku j[ks fd chek/kkjd dks nh tkus okyh lfoZl mldh vksj ls vnk dh tkus okyh izhfe;e jkf'k rFkk tks ikWfylh ySIl gks xbZ gS mls Hkh lgh :i ls Qkyksvi djuk ctkt ,fy;kat dh tokcnkjh FkhA ;gka Referral Agreement 3¼i½ dafMdk vfody m)`r djuk pkgsaxs%& "(i) Bajaj Allianz shall be entitled to service and follow-up on all un- expired or lapsed policies (those referred by Bank) without restriction even after termination/expiry of this Agreement. This shall apply irrespective of the cause of the termination."
mijksDr ls ;g Li"V gksrk gS fd cSad }kjk lanfHkZr un-expired or lapsed policies dk Qkyksvi vukosnd dz-2 }kjk fd;k tkuk gS] ftldk ;gh fu"d"kZ fudyrk gS fd un-expired or lapsed policies ds laca/k esa vko';d funsZ'k nsus dk mRrjnkf;Ro vukosnd dz-1 dh gS vr% vukosnd dz-1 dk mijksDr rdZ Lohdkj djus ;ksX; ugha gSA vkSj ;gh fl) gksrk gS fd mlus un-expired or lapsed policy ds laca/k esa vko';d funsZ'k nsus ds vius mRrjnkf;Ro ds fuoZgu esa ?kksj ykijokgh dk d`R; dkfjr fd;k gSA // 15 // 18- vukosnd dz-2 us rdZ fd;k gS fd ;fn izhfe;e dh jkf'k dk Hkqxrku vfu;fer gS vkSj ugha fd;k x;k gS rks ikWfylh dk ykHk dk chek/kkjd vf/kdkjh ugha gksxkA bl laca/k esa ekLVj ikWfylhdOgj dafM'ku 2 ,oa 8 dk lanHkZ fy;k gS] ftls ;gk m)`r dj jgs gSa%& "2. The regular premiums are payable on the specified due dates. The coverage would lapse in case of non payment of premiums in due time.
8. The coverage would get terminated on happening any of the following events I) Discontinuation of the premium II) Member reaching the coverage end date III) The insurer terminating the contract by giving 90 days notice to master policyholder IV) Surrender of Policy by Policy holder V) The date on which the policy holder terminates the policy or individual Account of the Member is surrendered. VI The date on which the member ceases to be a member of the scheme."
vukosnd dz-2 us tks mijksDr rdZ fy;k gS] og fuEufyf[kr ifjfLFkfr esa tcfd fu;fer izhfe;e Hkqxrku ds laca/k esa LFkkbZ vuqns'k ifjoknh }kjk fn;k x;k gS] Lohdkj ;ksX; ugha gSA chek izLrko i= ,d egRoiw.kZ nLrkost gS] ftlesa ifjoknh us fuEukuqlkj funsZ'k fn;k gqvk gS%& **I hereby authorise the DRGB to debit my Savings/Current/Kisaan Credit Card/Loan Account No. 2650 For a sum of Rs. 10000 towards paying premium for Bajaj Allianz SSS Policy membership every year during the life of the policy. Signature of Life Assured sd/- iapwjke flUgk** mijksDr ds ifj'khyu ls ;g fl) gksrk gS fd ifjoknh chek /kkjh us izLrko i= nsrs le; fu;fer izhfe;e Hkqxrku ds laca/k esa Li"V funsZ'k fn;k gS rFkk ftl cpr [kkrs ls izhfe;e dk Hkqxrku fd;k tkuk gS] mlesa i;kZIr 'ks"k jkf'k tek j[kk gSA chek daiuh tc nkok dk Hkqxrku djrh gS rks izLrko i= ds **fVd ** dks Hkh /;ku ls ns[krh gS rFkk ije ln~Hkkouk ds fl)kar dk lanHkZ ysrh gS ,oa nkok jsI;wfM;sV djrh gSA izLrqr izdj.k esa tks ifjoknh }kjk izLrko i= gLrk{kfjr fd;k x;k gS] mlesa ,d dafMdk mijksDrkuqlkj gS rFkk ifjoknh us ml dafMdk esa // 16 // gLrk{kj fd;k gSA ifjoknh us ijeln~Hkkouk ds lkFk mDr vuqns'k Hkjdj fn;k Fkk ,oa gLrk{kj fd;k Fkk fd chek daiuh mlds [kkrs ls izhfe;e dh olwyh fu;fer :i ls djsxhA ekuuh; mPpre U;k;ky; us United India Insurance Co. Vs. Harcharan Chand Ray Chandanlal, IV (2004) CPJ 15 (SC) ,oa National Insurance Co. Vs. Laxminarayan Dhut, III (2007) CPJ 13 (SC) esa ;g fu/kkZfjr fd;k fd i{kdkjksa ds chp ikWfylh ,d lafonk gS ,oa nksuksa i{k lafonk dh 'krksZa ls ca/ks gSa vkSj izLrko i= ikWfylh dk vfHkUu Hkkx gSA vukonsd dz-2 us mDr dk ifjikyu lE;d lko/kkuh ds lkFk ugha fd;k gS] ?kksj ykijokghiw.kZ d`R; dkfjr fd;k gS] ftlls ifjoknh dks gkfu dkfjr gqvk gSA vr% vukosnd dz-2 lEiw.kZ chek jkf'k Hkqxrku djus ds fy, nkf;Rok/khu gSA 19- vukonsd dz-2 us rdZ fd;k gS fd **ifjoknh tcjnLrh vkSj cykr izhfe;e Hkqxrku djus dh lwpuk nsus dk nkf;Ro vukosnd dz-2 ij vf/kjksfir dj jgk gSA** rFkk ;g mYysf[kr djrs gq, fd **vukosnd dz-1 ,oa ifjoknh ds e/; fdl izdkj dk O;ogkj Fkk] ;g bl vukosnd dz-2 dh tkudkjh esa ugha gSA izhfe;e dk Hkqxrku vukosnd dz-1 ds ek/;e ls vukonsd dz-2 dks gksuk Fkk] tks ugha gqvk] ftlds dkj.k ikWfylh ySIl gks xbZ vkSj ySIl ikWfylh esa ifjoknh dks chek/ku :-2]50]000@& dk Hkqxrku ugha djds chek daiuh vukosnd dz-2 }kjk lsok esa deh ugha dh xbZ gS] cfYd mijksDr d`R; U;k;laxr gSA** nkok ds fjI;qfM;s'ku dks U;k;laxr Bgjk;k gSA ifjoknh }kjk izhfe;e dVkSrh ds LFkkbZ funsZ'k ds ikyu ds vykok vukosnd dz-2 dk ;g nkf;Ro Fkk fd og i;kZIr le; ds jgrs ikWfylh /kkjd lnL; dks lwpuk Hkstdj ns;frfFk rFkk izhfe;e dh jkf'k ds laca/k esa lwfpr djrkA ekuuh; mPpre U;k;ky; us Chairman LIC of India & ors. Vs. Rajiv Kumar Bhaskar, (2005) 6 SCC 188 rFkk ekuuh; jk"Vªh; vk;ksx us National // 17 // Insurance Co. Ltd. Vs. Harcharan Singh & Ors., 11 (2016) CPJ 467 (NC) esa chek daiuh dh lwpuk izs"k.k laca/kh ftEesnkjh dks fu/kkZfjr fd;k gSA izLrqr izdj.k esa vukosnd dz-2 us ifjoknh dks lwpuk izs"k.k ds laca/k esa dksbZ nLrkost izLrqr ugha fd;k gS] ftlls ;g fl) gksrk gS fd vukosnd dz-2 us bl laca/k esa ifjoknh dh lsok esa deh rFkk ?kksj ykijokghiw.kZ d`R; dkfjr fd;k gSA vr% lEiw.kZ chek jkf'k Hkqxrku djus ds nkf;Rok/khu gS vr% ftyk Qksje us vius vkns'k esa vukosnd dz-1 ,oa vukosnd dz-2 ls la;qDr ,oa vyx&vyx :i ls :-2]50]000@& ml ij 9% okf"kZd C;kt rFkk oknO;; :-5]000@& fnyk;k gS] og iw.kZr% U;k;ksfpr gSA 20- mijksDr foospuk ds ifjizs{; esa ge bl fu"d"kZ ij igqaprs gSa fd vukosnd dz-1 ,oa vukosnd dz-2 us ifjoknh ds chek ikWfylh ds laca/k esa lsok esa deh ,oa ?kksj ykijokghiwoZd d`R; dkfjr fd;k gSA vr% ftyk Qksje us tks vkns'k ikfjr fd;k gS] mlesa fdlh izdkj dh vfu;ferrk ,oa voS/kkfudrk ugha gS vkSj mlesa bl vk;ksx ds gLr{ksi dh vko';drk ugha gSa 21- vukosnd dz-1 ,oa vukosnd dz-2 dh izLrqr vihy lkjghu gksus ls fujLr fd, tkus ;ksX; gSA vr% vukosndx.k dh nksuksa vihysa fujLr dh tkrh gSA ftyk Qksje }kjk ikfjr vkns'k fnukad 01-02-2016 dh iqf"V dh tkrh gSA izdj.k dh ifjfLFkfr dks ns[krs gq, vukosndx.k la;qDr ,oa vyx&vyx :i ls bl vihy dk O;; :-3]000@& ifjoknh dks vnk djsaxsA ¼U;k;ewfrZ vkj- ,l- 'kekZ½ ¼lqJh fguk BDdj½ ¼Mh- ds- iksn~nkj½ ¼ujsUnz xqIrk½ v/;{k lnL;k lnL; lnL;
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