State Consumer Disputes Redressal Commission
Sourabh Kumar Gupta vs State Bank Of India on 13 June, 2016
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miHkksDrk fookn Áfrrks"k.k vk;ksx] i.Mjh] jk;iqj vihy Øekad% FA/15/457 lafLFkr fnukad% 04.09.15 lkSjHk dqekj xqIrk] vk;q 30 o"kZ] vk- Lo- Jh ujsUnz xqIrk] fuoklh% }kjk xk;=h izkfotu LVksj] xzke xqM+h] rglhy eLrwjh] ftyk fcykliqj ¼N-x-½ ----- ifjoknh@vihykFkhZ fo:) LVsV cSad vkQ bafM;k] }kjk% Jheku 'kk[kk izca/kd] 'kk[kk ,u-Vh-ih-lh- lhir] ftyk fcykliqj ¼N-x-½ ----- vukosnd@mRrjoknh 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 vihykFkhZ Lor% mifLFkrA mRrjoknh dh vksj ls Jh ,e-,y-;kno] vf/koDrkA vkns'k fnukad% 13@06@2016 }kjk% ekuuh; Jh ujsUnz xqIrk] lnL;
vihykFkhZ us ;g vihy /kkjk 15 miHkksDrk laj{k.k vf/kfu;e 1986 ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje fcykliqj¼N-x-½ ¼ftls vkxs laf{kIr esa **ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dz- CC/142/2013 **lkSjHk dqekj xqIrk fo:) LVsV cSad vkQ bafM;k** esa ikfjr vkns'k fnukad 05-08-2015] ftlds }kjk ifjoknh ds ifjokn dks vLohdkj fd;k gS] ls nqf[kr gksdj izLrqr fd;k gSA // 2 // 2- ifjoknh dk ifjokn la{ksi esa bl izdkj gS fd ifjoknh dk vukosnd cSad esa cpr [kkrk dz-30291036360 gS] ftlds varxZr~ vukosnd cSad }kjk ifjoknh ds i{k esa ,-Vh-,e- dkMZ ua- 6220180940800044502 tkjh fd;k x;k gSA ifjoknh }kjk mDr ,-Vh-,e- dkMZ ds tfj, fnukad 13-10-2012 dks fcykliqj ds jktho Iyktk fLFkr ,-Vh-,e- ls :-5]000@& ¼ikap gtkj :i;s½ dk vkgj.k jkf= yxHkx 9%30 cts fd;k x;k] ftldk eSlst ifjoknh ds eksckbZy dz-9826777211 esa jkf= 9%38 cts izkIr gqvkA rRi'pkr~ iqu% :-30]000@& ¼rhl gtkj :i;s½ vkgj.k fd, tkus dk eSlst mlh jkr fnukad 13-10-2012 dks jkf= 9%44 cts izkIr gqvk] tks fd ifjoknh }kjk vkgfjr ugha fd;k x;k FkkA ifjoknh }kjk bldh f'kdk;r fnukad 16-10-2012 dks vukosnd cSad ls fd;k] vukosnd cSad }kjk tkap dj jkf'k mlds [kkrs esa tek fd, tkus dk vk'oklu fn;k x;k] fdarq ckj&ckj iz;kl ds ckn Hkh mDr jkf'k mlds [kkrs esa tek ugha dh xbZ vkSj Fkkus esa fjiksVZ ntZ djkdj mldh dkih is'k djus dks dgk x;kA ifjoknh }kjk vukosnd ds dgs vuqlkj mDr ,-Vh-,e- ds {ks=kkf/kdkj esa vkus okys iqfyl Fkkus] rkjckgj] fcykliqj esa fjiksVZ ntZ djkdj mldh ,d dkih vukosnd cSad dks nh xbZ] fdUrq mlds ckn Hkh cSad }kjk jkf'k tek fd, tkus ds laca/k esa dksbZ dk;Zokgh ugha dh xbZ] rc ifjoknh }kjk vukosnd cSad dks ,d fof/kd uksfVl izsf"kr dh xbZA mldk Hkh tokc cSad }kjk ugha fn;k x;kA vukosnd cSad dk mDr d`R; lsok esa fuEurk ,oa O;kolkf;d dnkpj.k gS] ftlds dkj.k ifjoknh dks vkfFkZd {kfr ds vykok ekufld d"V dk Hkh lkeuk djuk iM+ jgk gS] blfy, ifjoknh }kjk ifjokn esa of.kZr vuqlkj vuqrks"k fnyk, tkus dh ;kpuk dh gSA // 3 // 3- ifjoknh }kjk ifjokni= esa fd, x, vfHkdFku ds leFkZu esa Lo;a dk 'kiFki= fnukafdr 13-08-2013 ,oa lwph vuqlkj nLrkostksa dh QksVksizfr is'k dh gSA 4- vukosnd cSad dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k gS fd ifjoknh dks Hkkjrh; LVsV cSad }kjk mldh vko';drk vuqlkj vkosnu ij ,-Vh-,e- lqfo/kk iznku dh gS] ftl ij viuk Lo;a dk ikloMZ fiu ls lqjf{kr jgrk gSA ,-Vh-,e- dsanz ls jde fudkyus ds fy, ,-Vh-,e- dkMZ vkSj fiu dksM nksuksa dh vko';drk gksrh gS] tks [kkrsnkj dks xksiuh; :i ls miyC/k djk;k tkrk gS] ftldh tkudkjh vU; fdlh dks ugha gksrhA ifjoknh }kjk fnukad 13-10-2012 dh jkf= igys :-5]000@& ¼ikap gtkj :i;s½ ckn esa :-30]000@& ¼rhl gtkj :i;s½ dk vkgj.k Lo;a ifjoknh }kjk fd;k x;k gSA bl laca/k esa ifjoknh dh f'kdk;r ij vukosnd }kjk tkap esa mDr ,-Vh-,e- ds laO;ogkj dks lgh gksuk ik;k x;k gSA ,-Vh-,e- lsok dEI;qVjkbZTM lsok gS] tks xzkgd ds funsZ'k ij gh dk;Z djrh gSA fcuk ikloMZ ls fdlh ,-Vh-,e- e'khu ls jkf'k vkgfjr ugha dh tk ldrh gSA vukosnd }kjk lsok esa dksbZ fuEurk o O;kolkf;d dnkpj.k ugha fd;k gSA ifjoknh }kjk pkgk x;k vuqrks"k og izkIr djus dk vf/kdkjh ugha gS] vr% is'k ifjokn lO;; fujLr fd;k tk,A 5- vukosnd us vius tokc ds leFkZu esa Jh vfuy dqekj lgkjs] mez 56 o"kZ] 'kk[kk izca/kd] Hkkjrh; LVsV cSad] 'kk[kk lhir] fcykliqj dk 'kiFki= fnukafdr 04-03-2015 rFkk lh-lh-Vhoh QqVst dh lh-Mh- ,oa nLrkost izLrqr fd;kA // 4 // 6- ftyk Qksje us mHk;i{k dh vksj ls izLrqr lkefxz;ksa dk lexz foospu i'pkr~ vkns'k fnukad 05-08-2015 dks ifjoknh dk ifjokn ;g fu"d"kZ fudkyrs gq, vLohdkj fd;k gS fd fnukad 13-10-2012 dks [kkrs ls :-5]000@&¼ikap gtkj :i;s½ ds vkgj.k ds ckn ifjoknh dk ,-Vh-,e- dkMZ mlds ikl gh Fkk] ,slh fLFkfr esa mlds ,-Vh-,e- dkMZ ,oa xksiuh; fiu ua- ls fdlh vU; ds }kjk jkf'k dk vkgj.k laHko ugha FkkA 7- ifjoknh@vihykFkhZ us Lo;a mifLFkr gksdj ;g rdZ izLrqr fd;k gS fd fnukad 13-10-2012 dks tks :-30]000@& ¼rhl gtkj :i;s½ dk vkgj.k mlds [kkrs ls fd;k x;k gS] og mlds }kjk ugha fd;k x;k gSA fo}ku ftyk Qksje }kjk rF;ksa ij /;ku fn, fcuk tks vkns'k ikfjr fd;k x;k gS] og =qfViw.kZ gS] vr% ifjoknh@vihykFkhZ dh vihy Lohdkj dh tk, rFkk fo}ku ftyk Qksje dk vkns'k fujLr fd;k tk,A 8- vukosnd@mRrjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ,e-,y-;kno }kjk ;g rdZ izLrqr fd;k x;k fd ifjoknh@vihykFkhZ ds [kkrs ls voS/k rjhds ls fookfnr :-30]000@& ¼rhl gtkj :i;s½ vkgfjr fd, tkus ds fy, vukosnd@mRrjoknh ftEesnkj ugha gSA ,-Vh-,e- e'khu esa dksbZ rduhdh =qfV ugha FkhA lh-lh- Vhoh dSejk ds fp= dks Qksje esa izLrqr fd;k x;k FkkA bl fookfnr vkgj.k ds fy, vukosnd@mRrjoknh cSad mRrjnk;h ugha gSA fo}ku ftyk Qksje }kjk tks vkns'k ikfjr fd;k x;k gS] og iw.kZr% mfpr ,oa fof/klEer gSA vr% ifjoknh@vihykFkhZ dh vihy fujLr dh tk,A vius rdZ ds leFkZu esa mUgksus blh vk;ksx }kjk fuf.kZr U;k;n`"Vkar Hkkjrh; LVsV cSad] 'kk[kk ySyqaxk o vU; fo:) Jherh iq"ikatyh gksrk] vihy dz- FA/15/130, vkns' k fnukad 28.12.2015 dk voyacu fy;k gSA // 5 // 9- ifjoknh@vihykFkhZ }kjk izLrqr rdksZa rFkk vukosnd@mRrjoknh ds vf/koDrk }kjk izLrqr rdksZa dk Jo.k fd;k x;k ,oa ftyk Qksje ds vfHkys[k dk ifj'khyu fd;k x;kA 10- izLrqr izdj.k esa ifjoknh@vihykFkhZ }kjk vius ifjokn i= dh dafMdk ¼1½c esa ;g vfHkopu fd;k gS fd **;g fd vkosnd }kjk mDr ,-Vh-,e- dkMZ ds tfj;s fnukad 13@10@2012 dks fcykliqj ds jktho Iyktk fLFkr ,-Vh-,e- ls :i;s 5]000-00 dk vkgj.k jkf= yxHkx 9%30 cts fd;k x;k Fkk ftldk eSlst vkosnd ds eksckbZy dz-9826777211 esa jkf= 9%38 cts izkIr gqvk rRi'pkr~ iqu% :i;s 30]000-00 vkgj.k fd;s tkus dk eSlst mlh jkr fnukad 13@10@2012 dks jkf= 9%44 cts izkIr gqvk tks fd vkosnd }kjk vkgj.k ugha fd;k x;k gSA** ifjoknh@vihykFkhZ }kjk mDr :-30]000@&¼rhl gtkj :i;s½ ds vkgj.k dh f'kdk;r fnukad 16-10-2012 dks vukosnd@mRrjoknh cSad dks fyf[kr esa dh xbZ ,oa ;g fuosnu fd;k fd pwafd ifjoknh@vihykFkhZ }kjk mDr :-30]000@&¼rhl gtkj :i;s½ dk vkgj.k ugha fd;k x;k gS] vr% ifjoknh@vihykFkhZ ds [kkrs esa :-30]000@&¼rhl gtkj :i;s½ okil tek fd, tk,aA bl f'kdk;r ds izkIr gksus ds ckn vukosnd@mRrjoknh cSad }kjk ifjoknh@vihykFkhZ dks ;g dgk x;k fd pwafd ifjoknh@ vihykFkhZ ds [kkrs ls :-30]000@&¼rhl gtkj :i;s½ dk vkgj.k ifjoknh@vihykFkhZ ds vuqlkj fdlh vKkr O;fDr }kjk fd;k x;k gS] vr% ifjoknh@ vihykFkhZ bldh fjiksVZ Fkkus esa Hkh ntZ djkdj vukosnd@mRrjoknh dks lwfpr djs] rHkh vukosnd@mRrjoknh ifjoknh@vihykFkhZ ds [kkrs esa :-30]000@&¼rhl gtkj :i;s½ tek djsaxsA blds ckn ifjoknh@ vihykFkhZ }kjk vukosnd@mRrjoknh ds dgs vuqlkj fnukad 27-10-2012 dks ,-Vh-,e- ds {ks=kf/kdkj ds varxZr iqfyl Fkkuk rkjckgj] fcykliqj esa mDr :-30]000@&¼rhl gtkj :i;s½ ds vKkr O;fDr }kjk vkgj.k fd, tkus dh fjiksVZ ntZ djkdj mDr fjiksVZ dh Nk;kizfr vukosnd@ // 6 // mRrjoknh cSad dks iznku dhA ifjoknh@vihykFkhZ }kjk ckjackj fuosnu djus ds ckn Hkh tc vukosnd@mRrjoknh }kjk ifjoknh@vihykFkhZ dh f'kdk;r dk dksbZ fuokj.k ugha fd;k] rc ifjoknh@vihykFkhZ }kjk vius vf/koDrk ds ek/;e ls vukosnd@mRrjoknh cSad dks fnukad 25-02-2013 dks iathd`r uksfVl izsf"kr dh xbZA fdarq vukosnd@mRrjoknh cSad }kjk uksfVl izkIr djus ds ckn Hkh vkt fnukad rd ifjoknh@vihykFkhZ dh f'kdk;r dk fuokj.k ugha fd;k gSA 11- vukosnd@mRrjoknh@cSad }kjk vius tokcnkos dh dafMdk 1-¼l½ esa ;g vfHkdFku fd;k gS fd **;g fd vkosnu i= dh dafMdk 1&l ds laca/k esa ;g dFku gS fd fnukad 16@10@2012 dks vkosnd }kjk fyf[kr lwpuk cSad dks izkIr gqbZ gSA cSad }kjk [kkrs ds lapkyu dh tkap dj gh oLrq fLFkfr ls voxr djkuk crk;k x;k gSA ,Vh,e dkMZ gksYMj dks fiu ua- xksiuh; :i ls miyC/k djk;k tkrk gSA fiu ua- O;fDrxr gksrk gS ftldh tkudkjh fdlh vU; dks ugha gksrk gSA ,Vh,e dsanz ls lQy VªkatsDlu ds fy, ,Vh,e dkMZ ,oa fiu ua- nksuksa dh vko';drk gksrh gSA ,Vh,e dkMZ ,oa fiu ua- ds vHkko esa ,Vh,e e'khu ls VªkatsDlu ugha fd;k tk ldrk gSA ifjoknh }kjk Lohdkj fd;k x;k gS fd dqN feuV igys gh mlh ,Vh,e dsanz ls 5000@& :i;s ¼ikap gtkj :i;s½ vkgfjr fd;k x;k gSA ifjoknh }kjk ,Vh,e dkMZ xqe tkus ds laca/k esa Hkh dksbZ iqfyl fjiksV Z ugha fd;k x;k gSA cSad }kjk ykxcqd dk lR;kiu djk;k x;k gS ftlesa VªkatsDlu lgh gksuk ik;k x;k gSA** vukosnd@mRrjoknh }kjk vius tokcnkos esa vkxs ;g Hkh vfHkdFku fd;k gS fd vukosnd@mRrjoknh cSad }kjk ifjoknh@vihykFkhZ dh f'kdk;r dh HkyhHkkafr tkap djokbZ xbZA tkap ls ;g izekf.kr gqvk gS fd ifjoknh@vihykFkhZ ds ,-Vh-,e- dkMZ ,oa fiu ua- ds ek/;e ls fof/kor~ fnukad 13-10-2012 dks ,-Vh-,e- dkMZ dk iz;ksx djds fnukad 13-10-2012 dks Hkkjrh; LVsV cSad ds jktho Iyktk fLFkr ,-Vh-,e- dsanz ls jkf= 9%32%40 cts :-30]000@&¼rhl gtkj // 7 // :i;s½ dk vkgj.k gqvk gSA vukosnd@mRrjoknh }kjk fdlh Hkh izdkj ls lsok esa fuEurk ugha dh xbZ gSA 12- gekjs }kjk izdj.k esa izLrqr nLrkostksa rFkk lk{;ksa dk voyksdu fd;k x;kA vukosnd@mRrjoknh }kjk ifjoknh@vihykFkhZ dh :-30]000@&¼rhl gtkj :i;s½ ds vKkr O;fDr }kjk vkgj.k f'kdk;r dh tkap {ks=h; dk;kZy;] LVsV cSad vkQ bafM;k] fcykliqj ls djokbZ xbZ FkhA vukosnd@mRrjoknh }kjk mDr tkap fjiksVZ dks izdj.k esa layXu fd;k x;k gS ¼nLrkost dz-3½A bl tkap fjiksVZ dh 5] 6] 7 ,oa 8 dafMdk,a tks fuEukuqlkj gS%& "5. We have detailed the reply in the 1st point & we clarify that the transaction no 3695 dated 13.10.2012 for Rs.30000/- in ATM ID:
S10E000336022 is successful in the ATM as confirmed by us in the EJ log attached. The transaction mentioned was shown as successful at ATM Switch. Successful ATM transactions are not possible without inserting a valid ATM card and keying in the correct PIN. Since the customer is disputing the transactions, the possibility of customer card and PIN details getting compromised at some earlier point of usage cannot be ruled out.
6. The Card Holder Mr. Saurav Kumar Gupta holding STATE BANK CASH PLUS Card (Card No.6220180940800044502) having ATM Limit Rs.40000/- per day & POS.
7. Again we clarify you that the as per our EJ log copy the mentioned transaction is successful transaction and cash was presented to cardholder. We also attaching the Cash tally report & No excess cash certificate dated 15.10.2012 for the same.
8. We are attaching the No excess cash certificate of the transaction for the block period duly signed by the ATM Joint custodians & CAC Manger in banks letter head for your reference."
mijksDr tkap fjiksVZ ds ifj'khyu ls ;g Li"V nf'kZr gksrk gS fd tks :-30]000@&¼rhl gtkj :i;s½ dk fookfnr vkgj.k gksuk crk;k x;k gS] mlesa jde dh fudklh ifjoknh@vihykFkhZ ds ,-Vh-,e- dkMZ ls lgh fiu ua- Mkydj gh gqbZ gSA ,-Vh-,e- dkMZ ls jkf'k fudklh dh O;oLFkk tks iw.kZr% dEI;wVjhd`r gS] bldk iw.kZ lqj{kk ds lkFk lapkyu iwjs // 8 // fo'o esa fd;k tkrk gSA vxj jkf'k fudklh esa dksbZ Hkh =qfV gks rks dEI;qVj iz.kkyh rqjar gh bldks nf'kZr djrh gSA bl izdj.k esa tkap fjiksVZ ds vuqlkj EJ Log Copy ds vuqlkj ;g ,d lQy laO;ogkj gS] tks fu;ekuqlkj ,-Vh-,e- dkMZ }kjk rFkk lgh fiu ua- Mkydj fd;k x;k gSA tkap fjiksVZ ds vuqlkj Cash Tally Report Hkh ;g nf'kZr djrh gS fd ;g laO;ogkj lQy gS] D;ksafd ;fn bl laO;ogkj esa =qfV gksrh rks dEI;wVj Excess amount dks nf'kZr djrk] tks bl izdj.k esa nf'kZr ugha gSA 13- ge vukosnd@mRrjoknh ds bl rdZ ls lger gSa fd ,-Vh-,e- lsok iw.kZr% lqjf{kr dEI;wVjhd`r lsok gS ,oa xzkgd ds funsZ'k ij gh dk;Z djrh gSA ,-Vh-,e- fiu ua-@ikloMZ lqj{kk gsrq xzkgd dks iznku fd, tkrs gSaA fcuk ikloMZ ds fdlh ,-Vh-,e- e'khu ls jkf'k vkgfjr ugha dh tk ldrh gSA vxj fdlh rhljs O;fDr }kjk Hkh ,-Vh-,e- }kjk jkf'k vkgfjr dh tkrh gS] tSlk dFku bl izdj.k esa ifjoknh@vihykFkhZ }kjk fd;k x;k gS] og Hkh rHkh laHko gS] tc ,-Vh-,e- dkMZ ds oS/k /kkjd }kjk fiu dksM rhljs O;fDr dks crk;k gksA bl izdj.k esa ifjoknh@vihykFkhZ us Lo;a Lohdkj fd;k gS fd fookfnr vkgj.k :-30]000@&¼rhl gtkj :i;s½ ds 6 fefuV igys ifjoknh@vihykFkhZ }kjk blh ,-Vh-,e- cwFk ls :-5]000@& ¼ikap gtkj :i;s½ fudkys FksA ifjoknh@vihykFkhZ us ifjokn esa ,-Vh-,e- dkMZ [kks tkus dk dFku ugha fd;k gS] bldk vFkZ gS fd ,-Vh-,e- dkMZ ifjoknh@vihykFkhZ ds vkf/kiR; esa gh Fkk] ftlds cxSj ,-Vh-,e- ls jkf'k dh fudklh gksuk vlaHko gSA vr% ge ;gka vukosnd@mRrjoknh ds bl rdZ dks Lohdkj ;ksX; ikrs gSa fd fookfnr laO;ogkj lQy gksus ij vukosnd@mRrjoknh }kjk lsok esa dksbZ fuEurk ugha dh xbZ gS vkSj u O;kolkf;d dnkpj.k fd;k x;k gSA // 9 // 14- Raghabendra Nath Sen Vs. Punjab National Bank CPJ-2015-1- 254/CPR-2015-1 143 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "4. IT can hardly be disputed that no withdrawal from an ATM can be made unless the ATM card/debit card issued to the account holder is inserted in the ATM machine followed by use of the ATM pin provided to the customer. The ATM pin is known only to the customer and therefore, it is not possible for a third person to withdraw any cash through the ATM even if he is able to clone the ATM/debit card issued to the customer. In fact the case before us this not the case of the complainant that he had lost the ATM card issued to him by the bank. The said card was duly used at the ATM machine for making the transaction in question. The ATM pin obviously, must have been used since no transaction at ATM machine is possible without use of the PIN. Therefore, we cannot accept the contention of the complainant that the amount of Rs. 5,000/- from his account was withdrawn by a third person and not by him. Even if the said amount was withdrawn by a third person, he would have done it using the ATM card provided to him by the complainant and the ATM pin disclosed by him."
bl U;k;n`"Vkar esa Hkh ekuuh; jk"Vªh; vk;ksx }kjk ;gh vfHkfu/kkZfjr fd;k gS fd fcuk ,-Vh-,e- dkMZ rFkk fiu dksM ds [kkrs ls jkf'k dk vkgj.k laHko ugha gSA 15- vukosnd@mRrjoknh }kjk vius rdZ ds leFkZu esa blh vk;ksx }kjk fu.khZr U;k;n`"Vkar Hkkjrh; LVsV cSad] 'kk[kk ySyqaxk o vU; fo:) Jherh iq"ikatyh gksrk] ¼supra½ dk voyacu fy;k gSA bl U;k;n`"Vkar esa Hkh vk;ksx }kjk ;g vfHkfu/kkZfjr fd;k x;k gS fd **fcuk ikloMZ@fiu ds fdlh ,- Vh-,e- ls jkf'k vkgfjr ugha dh tk ldrhA** bl U;k;n`"Vkar dk ykHk vukosnd@mRrjoknh dks fn;k tkrk gSA 16- mijksDr foospuk ds ifjizs{; esa ftyk Qksje us tks fu"d"kZ fudkyk gS] og iw.kZr% mfpr gS] mlesa fdlh izdkj dh vfu;ferrk ,oa voS/kkfudrk ugha gS vkSj u gh gLr{ksi dh vko';drk gSA // 10 // 17- vr% ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad 05-08-2015 dh iqf"V djrs gq, vihy fujLr dh tkrh gSA izdj.k dh ifjfLFkfr;ksa dks ns[krs gq, bl vihy dk O;; i{kdkj viuk&viuk ogu 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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