State Consumer Disputes Redressal Commission
United India Insurance Co.Ltd. vs Mohd Obedulla Khan on 22 February, 2018
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i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh ,e- ,y- vxzoky] vf/koDrkA mRrjoknh dh vksj ls Jh ,y- Mh- iVsy] vf/koDrkA vkns'k fnukad% 22@02@2017 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k vihykFkhZ us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds rgr ftyk miHkksDrk fookn izfrrks"k.k Qksje] vfEcdkiqj] ljxqtk ¼N-x-½ ¼ftls vkxs laf{kIr esa **ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&152@2016 eks- vkscsnqYyk [kku fo:} e.My izca/kd] ;qukbZVsM bafM;k ba';ksjsal daiuh fyfeVsM esa ikfjr vkns'k fnukad&03-07-2017 ftlds }kjk ifjoknh ds ifjokn dks Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd%& // 2 // **d- vukosnd ,d ekg ds Hkhrj 64]960@&¼pkSalB gtkj ukS lkS lkB :Ik;s½ ifjoknh dks lank; dj nsos rFkk mDr jkf'k ij vkosnu fnukad&21-11-2016 ls 6 ¼N%½ izfr'kr okf"kZd dh nj ls C;kt Hkh lank; djsA [k- vukosnd Lo;a ds rFkk ifjoknh dk ifjokn O;; 2]000@&¼nks gtkj :Ik;s½ ogu djus ds lkFk&lkFk ekufld O;Fkk gsrq 2]000@&¼nks gtkj :Ik;s½ ifjoknh dks lank; djsxkA** ls nqf[kr gksdj izLrqr fd;k gSA 02- mRrjoknh@ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl++ izdkj jgk gS fd ifjoknh us vius LokfeRo dh VkVk Vªd dzekad&lh- th- 16,@2440 dk chek vukosnd ls fnukad&27-12-2014 dks 30]028@&¼rhl gtkj vV~BkbZl :Ik;s½ izhfe;e vnk dj djk;k Fkk ftldk ikWfylh dzekad&2704013114 ih 107952161 Fkk tks fnukad&27- 12-2014 ls 26-12-2015 rd ds fy, oS/k FkkA fnukad&21-10-2015 dks mDr Vªd xzke ygiVjk ds ikl lkeus ls vk jgh vfu;af=r okgu ls cpus esa jksM fdukjs dh feV~Vh ls Vdjkdj nq?kZVukxzLr gks xbZ ftldh lwpuk vukosnd dks rRdky fnukad&23-10-2015 dks nh xbZ ftl ij vukosnd ds }kjk vius losZ;j ds ek/;e ls nq?kZVukxzLr Vªd dk voyksdu djk;k x;kA ifjoknh }kjk nq?kZVukxzLr Vªd dk ejEer lqfer ckWMh xSjst] vfEcdkiqj esa djk;k x;k ftldh ejEer ,oa {kfrxzLr ikVZ~l dks cnyus esa dqy&1]61]500@&¼,d yk[k bdlB gtkj ikap lkS :Ik;s½ dk O;; gqvkA ifjoknh }kjk fnukad&17-11-2015 dks eksVj nkok izi= // 3 // Hkjdj leLr nLrkostksa lfgr vukosnd dk;kZy; esa izLrqr fd;k x;k ftls vukosnd }kjk cxSj lE;d tkap&iM+rky fd, iw.kZr% vlaoS/kkfud ,oa fof/k fo:} :Ik ls ;g dgrs gq, fd nq?kZVuk ds le; pkyd ds ikl oS/k ,oa fof/kekU; ykbZlsal ugha Fkk] fujLr dj fn;k x;kA ifjoknh us Vªd pkyd lTtkn ds MªkbZfoax ykbZlsal dks ns[kdj lgh izrhr gksus ij rFkk mls Vªd pyokdj ns[kus ij mlds }kjk dq'kyrkiwoZd Vªd pyk ysus ds vk/kkj ij mls vius Vªd dk pkyd fu;qDr fd;k Fkk vkSj ifjoknh ds ikl mlds MªkbZfoax ykbZlsal dks voS/k ekuus dk dksbZ dkj.k miyC/k ugha FkkA ,slh fLFkfr esa ;fn mlds ikl oS/k ,oa fof/kekU; ykbZlsal ugha Hkh Fkk rks mlds fy, ifjoknh dks ftEesnkj ugha Bgjk;k tk ldrkA ifjoknh ds }kjk vius vf/koDrk ds ek/;e ls vukosnd dks uksfVl izsf"kr dh xbZ fdUrq vukosnd }kjk dksbZ dk;Zokgh ugha dh xbZ 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- vihykFkhZ@vukosnd dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd eky okgd Vªd dzeakd&lh-th- 16 ,@2440 dk chek] chek ikWfylh ds 'krksZa ds rgr ifjoknh ds uke ls fnukad&27-12-2014 ls 26-12-2015 rd vukosnd ls chfer gSA nq?kZVuk dh lwpuk izkIr gksrs gh vukosnd }kjk okgu dh {kfr dk vkadyu losZ;j ih- ds- vxzoky ls djk;k x;k ftUgksaus okgu dh {kfr dk vkadyu dj okLrfod {kfr jde 64]960@&¼pkSalB gtkj ukS lkS // 4 // lkB :Ik;s½ crk;k gS] ijUrq ifjoknh }kjk chek ikWfylh dk ?kksj mYya?ku fd;k x;k gS blfy, losZ;j }kjk fu/kkZfjr jde vFkok fdlh Hkh izdkj dh jde ifjoknh] vukosnd ls izkIr djus dk vf/kdkjh ugha gSA nq?kZVuk ds le; chfer okgu dk pkyu djus okys pkyd lTtkn valkjh dk pkyd vuqKfIr i= dzekad&lh-th-1520070008172 dk lR;kiu vukosnd }kjk vUos"kd ds ek/;e ls djk;k gS ftlls LFkkfir gqvk gS fd mijksDr pkyd vuqKfIr i= mijksDr pkyd gsrq ifjogu vf/kdkjh }kjk tkjh ugha fd;k x;k gSA bl izdkj pkyd ds ikl oS/k o izHkkoh pkyd vuqKfIr i= chfer okyu pykus gsrq ugha Fkk ftlds dkj.k ifjoknh ds nkok dks fujLr fd;k x;k gSA vukosnd }kjk lsok esa dksbZ deh ugha dh xbZ gSA ifjoknh] vukosnd ls dksbZ vuqrks"k izkIr djus dk vf/kdkjh ugha gSA vr% ifjoknh dk ifjokn lO;; fujLr fd;k tkosA 04- mRrjoknh@ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k Lo;a dk 'kiFk&i= rFkk lfVZfQdsV vkWQ jftLVªs'ku dh Nk;kizfr (Annexure A-1)] lfVZfQdsV vkWQ fQVusl dh Nk;kizfr (Annexure A-2)] eky ;ku vuqKki= dh Nk;kizfr (Annexure A-3)] chek ikWfylh dh Nk;kizfr (Annexure A-4)] xq:ukud eksVj LVkslZ dk eS'k eseks fnukad&14-11-2015 dh Nk;kizfr (Annexure A-5)] laryky iV~Vk odZ'kkWi ,oa fjis;fjax dk fcy dh Nk;kizfr (Annexure A-6)] lkchj vkVks bysfDVªd ,oa cSVjh odZ dk fcy fnukad&14-11-2015 dh Nk;kizfr (Annexure A-7)] ckcw jsfM;sVj odZ 'kkWi dk dS'k eseks fnukad714-11-2015 // 5 // dh Nk;kizfr (Annexure A-8)] lqfer ckWMh xSjst dk dS'k eseks fnukad&14- 11-2015 ,oa 23-10-2015 dh Nk;kizfr (Annexure A-9)] eksVj nkok izi= dh Nk;kizfr (Annexure A-10)] vukosnd }kjk Jh vks- ih- xqIrk vf/koDrk dks izsf"kr i= fnukad&28-10-2016 dk vly (Annexure A-11)] vf/koDrk uksfVl fnukad&22-10-2016 dh Nk;kizfr (Annexure A-12)] okgu nq?kZVuk dh lwpuk dh Nk;kizfr (Annexure A-13) rFkk nkok fujLrh i= fnukad&31-08-2016 dk vly (Annexure A-14) izLrqr fd;k gSA 05- vihykFkhZ@vukosnd dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k th- ih- cM+k e.My izca/kd] ih- ds- vxzoky losZ;j] vuwi esgrk vUos"kd dk 'kiFk&i= rFkk vf/koDrk uksfVl dk tokc fnukad&28-10- 2016 dh Nk;kizfr (Annexure D-1)] nkok fujLrh i= dh Nk;kizfr (Annexure D-2)] chek ikWfylh dh Nk;kizfr (Annexure D-3)] okgu nq?kZVuk dh lwpuk ,oa eksVj nkok izi= dh Nk;kizfr (Annexure D-4)] losZ fjiksVZ fnukad&16-11-2015 dh Nk;kizfr (Annexure D-5)] MªkbZfoax ykbZlsal dk lR;kiu izfrosnu dh Nk;kizfr (Annexure D-6) izLrqr fd;k gSA 06- mHk;i{k dh vksj ls izLrqr vfHkopu ,oa nLrkosth lk{;ksa ds ifj'khyu Ik'pkr~ ftyk Qksje us vkns'k ikfjr djrs gq, ifjoknh ds ifjokn dks Lohdkj djrs gq, Åij dafMdk&1 esa of.kZr vuqlkj vuqrks"k iznku fd;k gS ftldss fo:} ;g vihy gSA // 6 // 07- vihykFkhZ@vukosnd dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ,e- ,y- vxzoky dk rdZ gS fd ftyk Qksje dk vkns'k iw.kZr% =qfViw.kZ gSA vukosnd }kjk ykbZlsal/kkjh losZ;j ls losZ djk;k x;k Fkk ftlus {kfriwfrZ dk vkadyu 64]960@&¼pkSalB gtkj ukS lkS lkB :Ik;s½ fd;k Fkk vkSj mDr jkf'k dks ifjoknh rHkh izkIr djus dk vf/kdkjh Fkk tc og chek 'krksZa dk mYya?ku ugha djrkA bl izdj.k esa ifjoknh us vius okgu pkyd lTtkn valkjh dk tks MªkbZfoax ykbZlsal izzLrqr fd;k gS] mldk lR;kiu vUos"kd ds ek/;e ls djk;k x;k rks ifjogu dk;kZy; ls tkudkjh izkIr gqvk Fkk fd mDr MªkbZfoax ykbZlsal ifjogu dk;kZy; ls lTtkn valkjh ds uke ls tkjh gh ugha fd;k x;k gS vkSj bl izdkj nq?kZVuk ds le; ifjoknh dk tks pkyd Fkk mlds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlsal ugha Fkk vkSj ifjoknh }kjk chek 'krksZa dk mYya?ku fd;k x;k gS vkSj lkFk gh lkFk eksVj ;ku vf/kfu;e dk Hkh mYya?ku gS blfy, ifjoknh fdlh izdkj dh {kfriwfrZ izkIr djus dk vf/kdkjh ugha gS] ijUrq ftyk Qksje us bu lc rF;ksa dks /;ku fn, fcuk gh =qfViw.kZ vkns'k ikfjr fd;k gSA vr% vukosnd dh vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkosA vukosnd dh vksj ls vius rdZ ds leFkZu esa ;qukbZVsM bafM;k ba';ksjsal daiuh fyfeVsM cuke nfoUnj flag 2008 (II) nq- eq- iz- 484 ¼m- U;k-½ dk voyacu fy;k gSA // 7 // 08- mRrjoknh@ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ,y- Mh- iVsy dk rdZ gS fd ftyk Qksje dk vkns'k iw.kZr% mfpr ,oa fof/k lEer gSA ifjoknh us pkyd ds MªkbZfoax ykbZlsal ds vk/kkj ij mls fu;qDr fd;k Fkk vkSj nq?kZVuk ds le; pkyd ds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlsal Fkk vkSj vukosnd ds losZ;j us gh {kfr dk vkadyu fd;k Fkk ftlds vk/kkj ij ftyk Qksje }kjk {kfriwfrZ dh jkf'k iznku fd;k x;k gSA ftyk Qksje ds vkns'k esa fdlh izdkj dh vfu;ferrk ,oa voS/kkfudrk ugha gSA vr% vukosnd dh vihy fujLr fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k dks ;Fkkor~ j[kk tkosA 09- geus mHk;i{k ds fo}ku vf/koDrkx.k dk rdZ Jo.k fd;k rFkk ftyk Qksje ds vfHkys[k ,oa vkyksP; vkns'k dk Hkh ifj'khyu fd;k x;kA 10- ;g Lohd`r gS fd ifjoknh okgu VkVk Vªd dzekad&lh-th- 16,@2440 dk iathd`r Lokeh Fkk vkSj ftldh iqf"V ifjoknh dh vksj ls izLrqr lfVZfQdsV vkWQ jftLVªs'ku ¼,usD'pj ,&1½ ls Hkh gksrk gSA ifjoknh dh vksj ls lfVZfQdsV vkWQ fQVusl ¼,usD'pj ,&2½] eky ;ku vuqKk&i= ¼,usD'pj ,&3½ rFkk ikWfylh 'ksM~;wy ¼,usD'pj ,&4½ Hkh izLrqr fd;k gSA bu nLrkostksa ds ifj'khyu ls Li"V gS fd ifjoknh mDr okgu dk iathd`r Lokeh Fkk rFkk mDr okgu vukosnd ds ikl // 8 // fnukad&27-12-2014 ls ysdj fnukad&26-12-2015 rd dh vof/k ds fy, chfer FkkA 11- ifjoknh ds vuqlkj fnukad&21-10-2015 dks okgu ygiVjk ds ikl nq?kZVukxzLr gks xbZ Fkh ftldh lwpuk rRdky vukosnd dks nh xbZ FkhA vukosnd us vius fyf[kr dFku esa Li"V :Ik ls crk;k gS fd ifjoknh ds }kjk lwpuk izkIr gksus ij losZ;j fu;qDr fd;k x;k FkkA bl izdkj okgu nq?kZVuk gksuk Hkh lkfcr gSA 12- bl izdj.k esa vukosnd }kjk ;g cpko fy;k x;k gS fd Vªd pkyd ds ikl nq?kZVuk fnukad dks oS/k ,oa izHkkoh MªkbZfoax ykbZlsal ugha FkkA pkyd lTtkn valkjh ds pkyd vuqKfIr i= dzekad&CG1520070008172 dk lR;kiu djk;s tkus ij og MªkbZfoax ykbZlsal ifjogu vf/kdkjh }kjk tkjh fd;k tkuk ugha ik;k x;k FkkA vukosnd dh vksj ls Jh vuwi esgrk dk vUos"k.k fjiksVZ ¼izn'kZ Mh&6½ rFkk NRrhlx<+ VªkaliksVZ fMikVZesaV dk QkeZ&6 esa nh xbZ tkudkjh ¼izn'kZ Mh&6@ii½ rFkk Oghdy ifVZdqylZ ¼izn'kZ Mh&6@v½ izLrqr fd;k x;k gSA 13- vUos"kd Jh vuwi esgrk us viuh fjiksVZ esa ;g crk;k gS fd **ifjogu dk;kZy; vfEcdkiqj esa ykbZlsal dzekad&CG1520070008172 dk dksbZ fjdkMZ dEI;qVjkbZTM fjdkMZ esa ntZ ugha gSA ykbZlsaflax vf/kdkjh] vfEcdkiqj ds }kjk mDr pkyd ds ewy ykbZlsal dh ekax dh tk jgh gS ,oa vuqKfIr ifVZdqyj gsrq izLrqr vkosnu ij ;g Vhi vafdr fd;k x;k // 9 // gSA pkyd ds vuqKfIr dzekad ds vk/kkj ij NRrhlx<+ ifjogu foHkkx ds bZ&lsok osclkbZV ij lpZ djus ij Hkh *uks fjdkMZ QkmaM* dk Vhi vk jgk gS rFkk tks pkyd vuqKfIr nkok izdj.k esa izLrqr dh x;h gS ml ij okgu pkyd dk gLrk{kj eks- lTtkd ntZ gS tcfd vuqKfIr ltr valkjh ds uke ls tkjh gS vkSj blds vk/kkj ij izrhr gksrk gS fd MªkbZfoax ykbZlsal dwVjfpr gSA** izn'kZ Mh&6@iii esa ;g Li"V :Ik ls fy[kk gS fd MªkbZfoax ykbZlsal dzekad&CG1520070008172 ds laca/k esa dksbZ fjdkMZ ugha ik;k x;k gSA izn'kZ Mh&6@iv dk tks MªkbZfoax ykbZlsal gS mlesa eks- lTtkn valkjh fy[kk gqvk gS tcfd gLrk{kj esa eks- lTtkd fy[kk gqvk gS vkSj tks vuqKfIr i= crk;k tk jgk gS mleas ltr valkjh mYysf[kr gSA bl izdkj izFke n`"V;k tks MªkbZfoax ykbZlsal gS og Qsd MªkbZfoax ykbZlsal gksuk izdV gksrk gSA 14- Parasnath Jha Vs. Oriental Insurance Company Limited, I (2018) CPJ 429 (NC), eas ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Driving Licence obtained on the strength of forged driving licence cannot be said to be a legal and valid driving licence-Driver not holding valid driving licence at time of accident- Repudiation justified."
// 10 // 15- Dilawar Khan Vs. New India Assurance Co. Ltd. & Ors., I (2018) CPJ 381 (NC), eas ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Driving Licence-Invalid- Violation of policy condition- Claim repudiated."
16- Meera Dhuria Vs. ICICI Lombard General Insurance Company Limited & Anr. I (2018) CPJ 161 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Onus to prove that licence was not valid, has been duly discharged by OP Insurance Company by producing report from DTO-cum- Licensing Authority- Once initial onus has been discharged by Insurance company, it was duty of petitioner/complainant to prove, whether such report was false or that driver of vehicle had valid and effective driving licence- Violation of policy condition established- Repudiation justified."
17- United India Insurance Co. Ltd. Vs. Davinder Singh 2008 (I) ACJ 1 (SC) esa ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Motor Vehicle Act, 1988, section 147 (1) (a) (ii)- Motor insurance- Own damage claim- Driving licence- Fake licence- Repudiation of claim- Driver originally had a fake licence which was got renewed- Forum under Consumer Protection Act mulcted liability on the insurance company- Whether insurance company is liable for the claim of the owner of the vehicle in regard to losses sustained by him // 11 // where licence of his driver has been found fake but got renewed- Held:
no; renewal cannot take away the effect of fake licence. [2007 ACJ 721 (SC) and 2007 ACJ 1284 (SC) followed: 2004 ACJ 1 (SC) distinguished]."
18- Oriental Insurance Co. Ltd. Vs. Prithvi Raj 2008 (II) ACJ 733 (SC) esa ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Motor Vehicle Act, 1988, section 149 (2) (a) (ii)- Motor insurance- Driving licence- Fake licence- Renewal of- Liability of insurance company- Insurance company repudiated the claim of owner of minibus which was damaged in accident on the ground that driver did not possess a valid driving licence- Owner approached the State Commission under Consumer Protection Act and took the stand that licence was validly and legally renewed, the claim could not have been repudiated by the insurance company- State Commission rejected the plea of owner holding that there was no valid licence- National Commission held that in view of the fact that there was renewal of driving licence, the claim could not have been refused by insurance company- Whether renewal of a fake driving licence does not transform it into ganuine and insurance company was justified in repudiating the claim- Held: yes, renewal cannot take away the effect of fake licence; insurance company has no liability. [2001 ACJ 843 (SC) and 2007 ACJ 721 (SC) followed]."
// 12 // 19- New India Ansurance Co. Ltd. Vs. Bhika Khan, III (2012) CPJ 620 (NC), eas ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "7. We find substance in the submission of the Counsel for the Petitioner, Supreme Court, in Para 41 of Laxmi Narayan Dhut's case (supra) has held that in own damage cases, the insurance company is not liable to reimburse the loss to the insured where original licence was fake. That renewal of the fake licence could not cure the inherent fatality. Relevant observations made by the Supreme Court read as under :-
"36. ...................
37. ....................
38. In view of the above analysis the following situations emerge :-
1. The decision in Swaran Singh's case (supra), has no application to cases other than third party risk.
2. Where originally the licence was a fake one, cannot cure the inherent fatality.
3. In case of third party risks the insurer has to indemnify the amount and if so advised to recover the same from the insured.
4. The concept of purposive interpretation has no application to cases relatable to Section 149 of the Act.
The High Courts/Commissions shall now consider the matter afresh in the light of the position in law as delineated above."
// 13 // 20- M/s Royal Goods Transport Co. Vs. National Insurance Co. Ltd. & Anr. 2016 (3) CPR 628 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Consumer Protection Act, 1986- Sections 15, 17, 19 and 21- Insurance- Vehicle insurance- Damage to vehicle in accident- Non possession of valid and effective driving licence constitutes a fundamental breach of terms an conditions of policy and claim was not payable- There is no justification for allowing complaint because licence produced by driver of vehicle has been found to be a fake document on investigation- Revision petition dismissed." 21- Tirupati Transport Corporation Vs. Oriental Insurance Company Limited, I (2016) CPJ 12 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Consumer Protection Act, 1986- Section 2 (1) (g), 21 (b)- Insurance- Accident of vehicle- Driving licence- Invalid- Violation of policy condition- Claim repudiated- Alleged deficiency in service- District Forum dismissed complaint- State Commission dismissed appeal- Hence revision- Whereever insured himself is claimant, Insurance Company not liable to reimburse him for damage caused to vehicle, if it is found that driver of vehicle did not possess valid licence at time of accident- Repudiation justified."
22- ;qukbZVsM bafM;k ba';ksjsal daiuh fyfeVsM cuke nfoUnj flag ¼mijksDr½ esa ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& // 14 // **nq?kZVukxzLr okgu ds pkyd }kjk /kkfjr pkyu vuqKfIr QthZ&izfriwfrZ ds Hkqxrku ds laca/k esa chek daiuh dk nkf;Ro&vo/kkfjr&fuEurj U;k;ky; us okgu Lokeh dks gqbZ gkfu dh {kfriwfrZ gsrq mRrjnk;h vo/kkfjr dj =qfV dh&vk{ksfir fu.kZ; /kkfjr ugha fd;k tk ldrk&vr% lekIr fd;k tkrk gS&vihy Lohd`rA** 23- pkyd lTtkn valkjh dks tkjh MªkbZfoax ykbZlsal izFke n`"V;k lansgkLin izrhr gksrk gS vkSj vUos"kd us Li"V :Ik ls vius izfrosnu esa fy[kk gS fd MªkbZfoax ykbZlsal dk fjdkMZ ugha ik;k x;k vkSj ifjoknh dh vksj ls ewy MªkbZfoax ykbZlsal izLrqr ugha fd;k x;k gS vkSj ,slh fLFkfr esa izFke n`"V;k nf'kZr gksrk gS fd pkyd lTtkn valkjh dk MªkbZfoax ykbZlsal tkyh (fake) gS vkSj ,slh fLFkfr esa ifjoknh ds }kjk chek 'krksZa dk mYya?ku fd;k tkuk izdV gksrk gS vkSj chek 'krksZa ds mYya?ku ds ifj.kke Lo:Ik ifjoknh fdlh izdkj dh {kfriwfrZ ikus dk vf/kdkjh ugha gSA ;gka rd fd og vekud vk/kkj ij (Non Standard Basis) Hkh {kfriwfrZ ikus dk vf/kdkjh ugha gSA 24- mijksDr foospuk ds ifjizs{; esa ftyk Qksje }kjk ikfjr vkyksP; vkns'k =qfViw.kZ gS vkSj fof/k dh n`f"V esa fLFkj j[ks tkus ;ksX; ugha gSA 25- vr% vihykFkhZ@vukosnd ;qukbZVsM bafM;k ba';ksjsal daiuh fyfeVsM dh vksj ls izLrqr vihy Lohdkj fd;k tkrk gSA ftyk Qksje // 15 // }kjk ikfjr vkyksP; vkns'k fnukad&03-07-2017 vikLr fd;k tkrk gSA ifj.kker% ifjokn fujLr fd;k tkrk gSA bl vihy dk O;; i{kdkj viuk&viuk ogu djsaxsA ¼U;k;ewfrZ vkj-,l-'kekZ½ ¼Mh- ds- iksn~nkj½ ¼ujsanz xqIrk½ v/;{k lnL; lnL;
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