State Consumer Disputes Redressal Commission
M/S. A.L. Paper House vs United India Insurnce Company Ltd. on 4 March, 2020
1 jkT; miHkksDrk fookn izfrrks"k vk;ksx] cSap la- 2] jkt0] t;iqj ifjokn la[;k&137@2016 eSllZ ,- ,y- isij gkml] VSEiw LVS.M ds ikl] f'kdkjiqjk jksM] lkaxkusj] t;iqj tfj;s izks- vCnqy yrhQ iq= uthj eksgEen ifjoknh cuke ;qukbZVM s bf.M;k ba';ksjsUl dEiuh fy- 'kk[kk dk;kZy; ikWyspk esU'ku] uxj fuxe LVsfM;e ds lkeus] lkaxkusj] t;iqj&302029 tfj;s 'kk[kk izca/kdA foi{kh le{k % ekuuh; Jh dey dqekj ckxMh] lnL; ¼U;kf;d½ ekuuh; lnL; Jherh ehuk esgrk mifLFkr %& ifjoknh dh vksj ls Jh xksiky 'kkL=h]+ vf/koDrk foi{kh dh vksj ls Jh latho vjksM] vf/koDrka fu.kZ; fnukad 04 ekpZ] 2020 jkT; vk;ksx jktLFkku t;iqj ¼}kjk Jh dey dqekj ckxM+h] lnL;]U;kf;d½ ;g ifjokn eSllZ ,- ,y- isij gkml dh vksj ls ;qukbZVsM bf.M;k ba';ksjsUl dEiuh fy- ds fo:) bl vk;ksx esa fnukad 27-12-2016 dks is'k fd;kA izdj.k ds rF; bl izdkj gS fd ifjoknh gS.MesM isij o isij ds mRikn cukdj fodz;@fu;kZr djus dk dk;Z djrh gSa] ftlds fy;s ifjoknh }kjk vius mDr isij gkml esa lHkh izdkj ds isij ,oa dkMZ cksMZ fey ds lHkh izdkj ds isij 2 osLV] gS.MesM isij] e'khu isij ,oa mlds mRikn rFkk dPpk eky] vfufeZr] v}ZfufeZr rFkk iw.kZ fufeZr eky ds LVkWd rFkk LVkWd bu izkslsl ,oa iSdsftax iznkFkZ rFkk blh izdkj ds VªsM xqM~l dk viuh QeZ ds fuEu ifjlj 1& VSEiw LVS.M ds ikl] f'kdkjiqjk jksM] lkaxkusj] t;iqj] 2& QS'ku bf.M;k ds lkeus] f'kdkjiqjk jksM] lkaxkusj] t;iqj] 3& xqyj dk cU/kk] f'kdkjiqjk jksM] lkaxkusj] t;iqj] 4& th&1&278] lhrkiqjk b.MLVªh;y ,sfj;k] t;iqj esa gksus okyh {kfr;ksa dk chek okafNr fizfe;e vnk dj foi{kh ls tfj;s LVs.MMZ Qk;j ,oa Lis'ky isfjYl ikWfylh ¼QyksVj csfll½ tfj;s chek ikWfylh la- 141301@11@14@13@ 00000024 ds }kjk djok;k x;k] ftldk chfer ewY; 7]00]00]000@&¼v{kjs lkr djksM :Ik;s½ Fkk rFkk ftldh chek vof/k fnukad 03-04-2014 ls 02-04-2015 rd dh FkhA foi{kh chek dEiuh }kjk ifjoknh dks fnukad 02-04-2014 dks mDr chek ds laca/k esa dojuksV la- JRO@2013 No 537507 tkjh fd;k x;k Fkk rFkk fnukad 23-04-2014 dks chek ikWfylh ds ek= nks i`"B gh miyC/k djok;s x;s Fks ,oa laiw.kZ chek lafonk e; reke VeZ ,.M d.Mh'kUl ds dHkh Hkh miyC/k ugha djokbZ xbZ gSaA ifjoknh ds mDr chfer izfr"Bku ds ifjlj xqyj dk cU/kk] f'kdkjiqjk jksM]lkaxkusj] t;iqj esa fnukad 08-10-2014 dks mDr chek vof/k ds nkSjku 'kkVZ lfdZV ds dkj.k dkQh Hkh"k.k vfXudk.M dkfjr gks x;k] ftlls ifjoknh QeZ dk mDr laiw.kZ ifjlj o mlesa j[ks lHkh izdkj ds isij LVkWd tyus ds dkj.k u"V gks x;sA ifjoknh }kjk fnukad 08-10-2014 dks gq;s mDr vfXudk.M dh vfoyEc lwpuk foi{kh chek dEiuh dks tfj;s VsfyQksu rFkk fyf[kr :Ik esa nsrs gq, vU;
lacfa /kr foHkkx ;Fkk Qk;j fcxzsM] iqfyl foHkkx vkfn dks lwfpr dj fn;k x;k] ftl ij mDr foHkkxksa }kjk vfoyEc dk;Zokgh izkjaHk dj lhrkiqjk Qk;j LVs'ku rFkk ekuljksoj Qk;j LVs'ku ls pkj ls vf/kd Qk;j nedyksa rFkk 10 ls T;knk 3 ikuh ds VSadjksa ls dbZ ?k.Vksa esa vkx ij dkcw ik;k x;k rFkk ifjoknh dh lwpuk ij foi{kh chek dEiuh }kjk Hkh {kfr dk vkadyu djus gsrq vfoyEc fnukad 10-10-2014 dks gh losZ;j Hkh fu;qDr dj fn;k x;kA ifjoknh ds mDr chfer izfr"Bku ds mDr ifjlj xqyj dk cU/kk] f'kdkjiqjk jksM] lkaxkusj] t;iqj esa fnukad 08-10-2014 dks mDr chek vof/k ds nkSjku mDr Hkh"k.k vfXudk.M esa 90]28]688@& ¼v{kjs uCcs yk[k vBkbZl gtkj N% lkS vB;klh :Ik;s½ dk isij LVkWd dk uqdlku gks x;k ftl gsrq ifjoknh }kjk leLr vkSipkfjdrk,W tks Hkh foi{kh chek dEiuh }kjk ifjoknh ls pkgh xbZ Fkh vfoyEc cXkSj fdlh nsjh ds iw.kZ dj nh xbZ ,oa okafNr nLrkost Hkh vfoyEc miyC/k djokrs gq;s vfoyEc ifjoknh dks gqbZ {kfr ds QyLo:Ik :Ik;s 90]28]688@& ¼v{kjs uCcs yk[k vBkbZl gtkj N% lkS vB;klh :Ik;s½ {kfriwfrZ jkf'k vnk;xh fd;s tkus gsrq Dyse izLrqr dj {kfriwfrZ jkf'k fnyok;s tkus gsrq fuosnu fd;k x;k rFkk mDr uqdlku ds losZ ds ckcr foi{kh chek dEiuh }kjk jksfgr dqekj ,.M dEiuh dks losZ;j fu;qDr fd;k x;k FkkA ifjoknh }kjk losZ;j dks losZ djus esa iw.kZ :Ik ls lg;ksx fn;k x;k ,oa muls ;g fuosnu fd;k x;k fd tks losZ muds }kjk fd;k x;k gSa ml losZ fjiksVZ dh ,d izfr ifjoknh dks miyC/k djok;s] ijUrq mDr losZ;j }kjk losZ fjiksVZ ifjoknh dks miyC/k ugha djokbZ xbZA ifjoknh }kjk le;&2 ij vius i=ksa rFkk dbZ bZ&esYl ds tfj;s foi{kh chek dEiuh dks mijksDr leLr rF;ksa ls voxr djkrs gq, vfoyEc Dyse jkf'k dh vnk;xh fd;s tkus gsrq fuosnu fd;k x;k ijUrq foi{kh chek dEiuh }kjk ifjoknh ds i=ksa ij xkSj ugha fd;k x;k o ckj&2 fuosnu djus ds mijkar Hkh ifjoknh ds mfpr Dyse dh jkf'k mDr vfXudk.M dh frFkh 08-10-2014 ds ,d o"kZ ls T;knk O;rhr gks tkus ds mijkar Hkh vnk ugha dh xbZ] tks fd foi{kh chek dEiuh }kjk tkucw>dj lSVy ugha fd;k x;k vkSj uk gh ifjoknh dks Dyse jkf'k 4 dh vnk;xh dh xbZ rFkk foi{kh chek dEiuh }kjk ifjoknh dh foRrh; ijs'kkfu;ksa dk Qk;nk mBkrs gq;s ifjoknh ij vuqfpr ncko Mkyrh jgh o ;g dgrh jgh fd Dyse dh vnk;xh rHkh dh tkosxh tcfd ifjoknh foi{kh chek dEiuh }kjk izsf"kr vfnukafdr lSVyesUV bUVhes'ku okmpj ij gLrk{kj dj Dyse LkSVyesaV gsrq lgefr nsxkA mijksDr ifjfLFkfr;ksa ds rgr pwfa d ifjoknh ds mfpr Dyse dks foi{kh chek dEiuh }kjk ,d o"kZ ls T;knk O;rhr gks tkus ds mijkar Hkh lSVy ugha fd;k tk jgk Fkk rFkk ifjoknh dks viuh foRrh; ijs'kkfu;ksa dks nwj djus gsrq vkfFkZd lgk;rk dh vko';drk Fkh rFkk ifjoknh dks iqu% viuk O;olk; Hkh [kMk djuk Fkk] mijksDr ifjfLFkfr;ksa dk Qk;nk mBkrs gq, foi{kh chek dEiuh }kjk vuqfpr ncko dh izfdz;k viukrs gq, cxSj fdlh mfpr vk/kkj ds {kfriwfrZ jkf'k esa voS?k :i ls dVkSrh djds ifjoknh dks lSVyesUV bUVhes'ku okmpj esa Dyse Lohd`r jkf'k 32]74]606@& ¼v{kjs cRrhl yk[k pkSgRrj gtkj N% lkS N% :Ik;s½ crk;s ysfdu ek= 32]68]961@& ¼v{kjs cRrhl yk[k vMlB gtkj ukS lkS bdlB :Ik;s½ fnukad 20-01-2016 dks lh/ks gh ifjoknh ds cSad vkWQ bf.M;k ds [kkrs esa N EFT ds tfj;s Hkqxrku vfXudk.M frfFk 08-10-2014 ds ,d o"kZ rhu ekg ls T;knk le; O;rhr gks tkus ds mijkar vnk dh tks fd ifjoknh dks etcwjhoa'k Lohdkj djuh iMh D;ksfd blds vykok ifjoknh ds ikl vkSj dksbZ fodYi gh ugha Fkk] ,d rjQ rks foi{kh chek dEiuh ifjoknh ds mfpr Dyse dks ,d o"kZ rhu ekg O;rhr gks tkus ds mijkar Hkh lSVy ugha dj jgh Fkh o nwljh rjQ ifjoknh dh foRrh; ijs'kkfu;ksa dk Qk;nk mBkrs gq;s fMLpktZ okmpj gLrk{kj djus ds mijkar gh Dyse jkf'k fjfyt djus gsrq dg jgh FkhA tSls gh ifjoknh dks foi{kh chek dEiuh }kjk ek= 32]68]961@& ¼v{kjs cRrhl yk[k vMlB gtkj ukS lkS bdlB :Ik;s½ vkaf'kd Dyse jkf'k ifjoknh ds [kkrs esa N EFT ds tfj;s Hkqxrku ckcr tkudkjh feyh] ftlds rqjar Ik'pkr ifjoknh }kjk 5 foi{kh chek dEiuh dks fnukad 01-02-2016 dks i= izsf"kr dj losZ;j }kjk fdl izdkj uqdlku jkf'k 90]28]688@& ¼v{kjs uCcs yk[k vBkbZl gtkj N% lkS vB;klh :Ik;s½ {kfriwfrZ jkf'k esa ls dVkSrh dj ek= 32]68]961@& ¼v{kjs cRrhl yk[k vMlB gtkj ukS lkS bdlB :Ik;s½ esa fdl izdkj fuLrkj.k fd;k rFkk losZ;j }kjk rS;kj laiw.kZ losZ fjiksVZ dh izfr ekax dh xbZ rkfd ;g tkudkjh gks lds fd losZ;j }kjk fdu vk/kkjk ij 90]28]688@&¼v{kjs uCcs yk[k vBkbZl gtkj N% lkS vB;klh :Ik;s½ uqdlku jkf'k dh {kfriwfrZ ek= 32]68]961@& ¼v{kjs cRrhl yk[k vMlB gtkj ukS lkS bdlB :Ik;s½ esa fdl izdkj vkadyu fd;k x;kA ifjoknh }kjk lwpuk ds vf/kdkj ds rgr foi{kh ls fnukad 01-08-2016 dks vkosnu djus ds Ik'pkr fnukad 24-08-2016 ds ckn Hkh laiw.kZ losZ fjiksVZ e; laiw.kZ nLrkostkr miyC/k ugha djok;s x;s] ek= v/kwjh losZ fjiksVZ ifjf'k"B&th rFkk dqN v/kwjs nLrkostkr gh miyC/k djok;s x;s ijUrq miyC/k nLrkostkr ds voyksdu ds ckn losZ;j }kjk ifjoknh ds mfpr Dyse esa euethZiwoZd vfof/kd :Ik ls dVkSrh djus rFkk ifjoknh dks laiw.kZ mfpr Dyse ugha nsus ds dkj.k mDr ifjokn izLrqr djuk vko';d gqvkA foi{kh chek dEiuh }kjk cxSj fdlh vk/kkj ds vuqfpr O;kikj i}fr viukrs gq;s ifjoknh dh foRrh; ijs'kkfu;ksa dk Qk;nk mBkrs gq;s vius laiw.kZ nkf;Ro ls cpus ds m}s'; ls ifjoknh ds mfpr Dyse esa dkQh cMh vfof/kd dVkSrh dh xbZA tgkW ikWfylh ds rgr nkf;Ro ,oa DokUVe fu/kkZfjr gks pqdk gSa rks chek dEiuh Dyse jkf'k dks jksds ugha j[k ldrh rFkk fdlh Hkh izdkj ds okmpj fu"iknu djus ek= ls chfer ikWfylh gksYMj dk vf/kd {kfriwfrZ jkf'k izkIr djus dk vf/kdkj dks fdlh Hkh U;kf;d eap ;k dksbZ Hkh dkuwu }kjk fufeZr eap ls [kRe ugha dj ldrh gSa vkSj var esa of.kZr vuqrks"k fnyk;s tkus dk fuosnu fd;kA 6 ifjoknh dh vksj ls ifjokn ,oa lk{; ds leFkZu esa vCnquy yrhQ dk 'kiFk&i= ,oa ,usDpj&1 yxk;r ,usDpj&54 nLrkost izLrqr fd;sA foi{kh us tokc esa chek djuk] ifjoknh ds ;gkW vkx yxuk] ifjoknh }kjk Dyse is'k djuk rFkk ifjoknh dks ek= 32]68]961@& ¼v{kjs cRrhl yk[k vMlB gtkj ukS lkS bdlB :Ik;s½ Dyse dk Hkqxrku djuk Lohdkj fd;k rFkk tokc esa dgk fd xyr vk/kkjksa ij ifjokn is'k fd;k gSaA ifjoknh dks Full & Final Hkqxrku dj fn;k FkkA ifjoknh dks tc Hkqxrku fd;k] dksbZ vkifRr ugha dhA False o baseless vk/kkjksa ij ifjokn is'k fd;k gSaA ifjokn ds i<us ls gh [kkfjt ;ksX;
gSa rFkk dksbZ fo'ks"k vk/kkj Pleeding esa ugha crk;s gSa] nqHkkZoukiwoZd ykbZlSal'kqnk tks losZ;j Fkk mlds fglkc ls Dyse fn;k x;k gSa] dksbZ lsok nks"k ugha gSaA ifjoknh Goods statement is'k ugha dj ldk] losZ;j us foLr`r o rdZlx a r fjiksVZ is'k dh gSaA losZ;j us ,ojst DykWt lgh yxk;k gSa] fdlh izdkj dh vuQs;j VªsM iSzfDVl ugha viuk;h x;h vkSj var esa ifjokn [kkfjt djus dk fuosnu fd;kA foi{kh dh vksj ls tokc o lk{; ds leFkZu esa 'kadj 'kekZ dk 'kiFk&i= ,oa ,usDpj vkj@1 yxk;r ,usDpj vkj@9 nLrkost izLrqr fd;sA mHk;i{k ds vf/koDrkx.k dh cgl lquhA i=koyh rFkk izLrqr nLrkostkr dk voyksdu fd;kA ifjoknh ds vf/koDrk us ifjokn esa vafdr rF;ksa dks nksgjkrs gq, ifjokn Lohdkj djus dk fuosnu fd;kA foi{kh ds vf/koDrk us tokc esa vafdr rF;ksa dks nksgjkrs gq , ifjokn [kkfjt fd;s tkus dk fuosnu fd;k rFkk vius rdksZ ds leFkZu esa fuEu U;kf;d n`"Vkar is'k fd;s %& 7 1& IV (2019) CPJ 409 (NC) ELASRREX POLYMERS PVT. V/S NEW INDIA ASSURANCE COMPANY LTD.
2- IV (2019) CPJ 307 (NC) SPORTKING SYNTHETICS V/S UNITED INDIA INSURANCE COMPANY LTD. & ORS.
3- I (2019) CPJ 459 (NC) TREMCHLESS ENGINERING SERVICES PVT.
LTD. V/S ICICO LOMBARD GENERAL INSURANCE COMPANY LTD. 4- I (2018) CPJ 184 (NC) SHIV VILLAS RESORTS PVT. LTD. V/S UNITED INDIA INSURANCE COMPANY LTD. & ANR.
5- III (2017) CPJ 585 (NC) SWASTIK PETROCHEM PVT. LTD. V/S ORIENTAL INSURANCE CO. LTD.
;g Lohd`r fLFkfr gSa fd ifjoknh dh dkxt cukus dh o fodz;@fu;kZr djus dk O;olk; gSaA ifjoknh us 7]00]00]000@&:i;s ¼v{kjs lkr djksM :Ik;s½ dk chek djk j[kk gSa rFkk ;g chek fuEu rhu ifjljksa dk gSa %&
1. GROUND FLOOR COM SANGANER 302011 Rajsathan JAIPUR NONKUTCHA IV OFFICE CUM BASEMENT AND I FLOOR NEAR TEMPO STAND
2. OPP FASHION INDIA SANGANER 302011 Rajsathan JAIPUR NONKUTCHA IV SIKARPURA ROAD SANGANER THERE ARE TWO BUILDING (A) BASEMENT AND GROND GLOOT IST FLOOR AND IIND FLOOR (B) GROUND FLOOR IST FLOOR AND IIND FLOOR
3. GULAR KA BANDHA SANGANER 302011 Rajsathan JAIPUR NONKUTCHA IV SHIKARPURA RD SANGANER Ikfjoknh ds ifjlj esa vkx yxh] mldh lwpuk chek dEiuh dks ns nh x;h] dEiuh dh vksj ls losZ;j Hkh fu;qDr gqvkA ifjoknh us 90]28]688@&¼v{kjs uCcs yk[k vBkbZl gtkj N% lkS vB;klh :Ik;s½ dk Dyse fn;k x;kA Ewy losZ fjiksVZ dk voyksdu fd;kA ewy losZ fjiksVZ ls ;g izrhr gksrk gSa fd losZ;j us eky dh dher dk vkSlr fudkydj {kfr dk vkadyu fd;k gSaA blesa ls MSM LVkWd] v.Mj bU';ksjsUl o ikWfylh ,Dll ds iSls dkVs x;s gSa tcfd ifjoknh dk ifjlj iw.kZr;k u"V gks x;k Fkk rFkk ifjlj dks okbZQjdsV ugha fd;k gqvk Fkk blfy, v.Mj bU';ksjsUl ;k ikWfylh ,Dll dk iz'u gh mRiUu ugha gksrkA a 8 bl laca/k es (2008) 8 SCC 279 DHARMENDRA GOEL V/S ORIENTAL INSURANCE COMPANY LIMITED esa ekuuh; loksZPp U;k;ky; us fuEu fu/kkZfjr fd;k gSa %& A. Insurance - Motor insurance - Motor accident - Insurer's liability - Undervalued assessment of loss by surveyor appointed by insurer - Inadequate compensation on the basis of
- Accident occurring during validity of insurance policy - Insurer insuring vehicle for 3,54,000 and also accepting premium on that basis - Held, as the insurer itself had accepted value of the vehicle at Rs. 3,54,000 it could not value the vehicle on total loss basis on the date of accident at Rs 1,80,000 only (as assessed by the surveyor) B. Insurance - Motor insurance - Motor accident - Insurer's liability - Determination of loss by surveyor on the lower side - basis of which premium accepted by the insurer - Plea by insurer that appellant led no evidence to challenge the value put on vehicle by the surveyor so as to substantiate his claim - Validity
- Held, it is not for the appellant to produce evidence to prove that the surveyor's report was on the lower side in the light of the fact that a price had already been put on the vehicle by the insurer itself at the a price had already been put on the vehicle by the insurer itself at the time of renewal of the policy - Hence, the insurer was bound by the value put on the vehicle while renewing the policy (Paras 3,4 and 7) C. Insurance - Motor insurance - Motor accident - Insurer's liability - Undervalued assessment of value of vehicle on depreciation basis - Impropriety - On facts, cost of new vehicle was Rs 4,30,000 and it was insured on that amount - Policy renewed from time to time on depreciating value - Renewal on expiry of first policy was on the value of Rs 3,59,000 and on further renewal the value was reduced by only Rs 5000 to Rs 3,54,000 - Held, insurer's contention that within span of seven months, from the date of last renewal of the policy to the date of accident, the value of the vehicle had depreciated from Rs 3,54,000 to Rs 1,80,000 not acceptable - At most of the vehicle should be reduced by Rs 10,000 - Accordingly, appellant to be paid a sum of Rs 3,44,000 with interest and to have his costs quantified at Rs 25,000 (Paras 6,9 and 10) D. Insurance - Motor insurance - Motor accident - Insurer's liability - Claim for compensation - Defrayment of the inadequate compensation on unreasonable grounds after accepting value of insured goods by insurer - Impropriety -
9Held, in the light of stringent provision under Ss. 146 and 196, MV Act, 1988, and being in a dominant position, the insurance companies often act in an unreasonable manner and after having accepted the value of a particular insured goods, disown that very figure on one pretext or the other when they are called upon to pay compensation - This "take it or leave it" attitude is clearly unwarranted not only as being bad in law but ethically indefensible - Motor Vehicles Act, 1988, Ss. 146 and 196 (Para 7) E. Insurance - Motor insurance - Motor accident - Insurer's liability - Claim for compensation - Denial to, sought on hyper technical pleas by insurance company - Impermissibility - Held, in such matters, the court must take a realistic view and if a particular claim to compensation is possible on the material on record, it should not be denied on hyper technical pleas (Para 8) bl laca/k esI (2019) CPJ 105 (SC) SUMIT KUMAR SAHA V/S RELIANCE GENERAL INSURANCE COMPANY LTD. esa ekuuh; loksZPp U;k;ky; us fuEu fu/kkZfjr fd;k gSa %&
(i) Insurance - Under Insurance vis-à-vis Over Insurance -
Cases of "under insurance" stand on completely different footing - In such cases Insurance Company stands denied of appropriate premium - If sum insured is, in any way, lesser than real value of subject matter of insurance, and if there be cases of partial replacement or partial loss, it is well accepted that Insurance Company is entitled to proportionate deduction representing proportion of undervaluation - Not case of Insurance Company that there was any 'under insurance'. [Para 13]
(ii) Consumer Protection Act, 1986 - Section 23 - Insurance -
Depreciation - Loss assessment by surveyor - Validity - Entitlement to sum insured - If both parties had agreed and arrived at understanding, which understanding was otherwise not vitiated by any misrepresentation, fraud or coercion, parties must be held bound by stipulation of such figure - Except in cases where agreement on part of Insurance company is brought about by fraud, coercion or misrepresentation or cases where principle of uberrima fide is attracted, parties are bound by stipulation of particular figure as sum insured - Basis of indemnity speaks of calculation of actual value by deducting "proper depreciation" - If surveyor was calculating depreciation from day when policy was entered into till date when 10 accident occurred, such exercise could certainly be justified
- Surveyor could not have calculated depreciation for period prior to date of policy or contract - Purport of relevant stipulation was to arrive at proper valuation as on day when there was total destruction - Not open to Surveyor or to Insurance Company to disregard figure stipulated as 'sum insured' - Loss had to be assessed keeping said figure in mind - Surveyor and Insurance Company were not justified in any way in questioning and disregarding amount of 'sum insured' - Depreciation, if any, can always be computed keeping figure of 'sum insured' in mind - Assessment made by State Commission was quite correct - Order of National Commission set aside.
ekuuh; loksZPp U;k;ky; }kjk fu/kkZfjr fl}kUrksa dh jks'kuh esa ns[ks rks vizkFkhZ us flok; lkYost ds tks dVkSrh dh gSa] oks euekuh gSaA vizkFkhZ dks ,slh dksbZ dVkSrh djus dk vf/kdkj ugha FkkA MSM LVkWd] v.Mj bU';ksjsUl o ikWfylh ,Dll ds 16]93]118@&:i;s dkVs x;s gSa] tks xyr gSaA ifjoknh bldk Hkqxrku e; C;kt izkIr djus dk vf/kdkjh gSaA bl fLFkfr esa ifjokn ifjoknh Lohdkj fd;k tkdj fuEu vkns'k fn;s tkrs gSaA vkns'k 01- vizkFkhZ] ifjoknh dks 16]93]118@& :Ik;s ¼ v{kjs lkSyg yk[k frjkuos gtkj ,d lkS vBkjg :Ik;s ½ ifjokn nk;j djus dh frFkh 27-12-2016 ls 9 izfr'kr C;kt okf"kZd dh nj ls Hkqxrku rd vnk djsA 02- vizkFkhZ] ifjoknh dks ekufld larki dh {kfriwfrZ Lo:i 1]00]000@&:i;s ¼ v{kjs ,d yk[k :Ik;s½ ifjokn nk;j djus dh fnukad 27-12-2016 ls 9 izfr'kr C;kt okf"kZd dh nj ls Hkqxrku rd vnk djsxkA 03- vizkFkhZ] ifjoknh dks 25]000@&:i;s ¼ v{kjs iPphl gtkj :Ik;s½ ifjokn O;; ifjokn nk;j djus dh fnukad 27-12-2016 ls 9 izfr'kr C;kt okf"kZd dh nj ls Hkqxrku rd vnk djsxkA ¼ ehuk esgrk ½ ¼ dey dqekj ckxMh ½ lnL; lnL; ¼U;kf;d½ @izlkn@ 11