State Consumer Disputes Redressal Commission
Smt.Tijeshwari Verma vs Sanat Sahu & Ors. on 8 August, 2018
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fiu dksM&492001 --------- [email protected]
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vihykFkhZ dh vksj ls Jh ukjk;.k dUukSts] vf/koDrk A mRrjoknh Øekad&1 ,oa 2 dh vksj ls Jh eathr flax HkkfV;k] vf/koDrkA mRrjoknh Øekad&3 dh vksj ls Jh ih- ds- ikWy] vf/koDrk A // 2 // vkns'k fnukad% 08@08@2018 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k vihykfFkZuh@ifjokfnuh us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] jktukanxkao ¼N-x-½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k Øekad&181@2017 Jhefr frts'ojh oekZ fo:) lur lkgw ,oa nks vU; esa ikfjr vkns'k fnukad&09-05-2018 ftlds }kjk ifjokfnuh ds ifjokn dks fujLr fd;k x;k gS] ls nqf[kr gksdj izLrqr fd;k gSA 02- vihykfFkZuh@ifjokfnuh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl izdkj jgk gS fd ifjokfnuh okgu LdkfiZ;ks egsanzk Øekad&lh-th-08 tsM@4936 gS dh iathd`r Lokfeuh gSA vukosnd Øekad&1] ifjokfnuh dk okgu dk pkyd gS rFkk ?kVuk ds le; vukosnd Øekad&1 ds }kjk okgu dks pykus gsrq vukosnd Øekad&2 dks fn;k Fkk rFkk vukosnd Øekad&2 ds }kjk feF;k dFku fd;s tkus ds dkj.k mls i{kdkj ds :i esa la;ksftr fd;k x;k gSA vukosnd Øekad&3 okgu dk lafonk ds v/khu chekd`r daiuh ftlds le{k okgu ikWfylh Øekad&96810297 ds ek/;e ls chekd`r fd;k x;k gSA ifjokfnuh fnukad&16-02-2016 dks okgu LdkfiZ;ks egsanzk Øekad&lh-th- 08 tsM@4936 dks Ø; dh FkhA vukosnd Øekad&1 dks ifjokfnuh izfrekg 4]500@&¼pkj gtkj ikap lkS :Iks½ ij okgu pkyd ds :i esa dk;Z ij j[kh FkhA fnukad&06-03-2016 dks // 3 // vukosnd Øekad&1 okgu dks fcuk tkudkjh fn;s ys x;k Fkk vkSj nwljs fnu tkudkjh gqbZ fd okgu dks pq:HkkV esa fcuk ifjokfnuh ds tkudkjh o lgefr ds vukosnd Øekad&2 ls okgu pyokdj nq?kZVuk dkfjr fd;k x;k gSA mDr ?kVuk dh izFke lwpuk fjiksVZ Fkkuk Mksaxjx<+ ftyk jktukanxkao esa fnukad&07-03-2016 dks /kkjk&279] 337 Hkkjrh; n.M lafgrk ds varxZr vukosnd Øekad&2 ds fo:) vijk/k iathc) fd;k x;k ftlds fo:) vijk/k gsrq vfHk;ksx i= U;kf;d n.Mkf/kdkjh izFke Js.kh] Mkasxjx<+ U;k;ky; ds le{k fopkjk/khu gSA mDr ?kVuk ds i'pkr~ ifjokfnuh dk okgu dkQh {kfrxzLr gks x;k gS ftls ejEer~ gsrq egsanzk Øekad&D;wVhu 17 lh- 000009 fnukad&19-04-2016 gS] ftlds vuqlkj mDr okgu esa yxHkx 7]29]293-55 ¼lkr yk[k murhl gtkj nks lkS frjkucs :Ik;s ipiu iSls½ ejEer~ dk O;; vkadyu fd;k x;k gSA ifjokfnuh] vukosnd Øekad&3 ds le{k okgu dk vuqekfur O;; ds vk/kkj ij {kfr dk nkok fd;k x;k tgka ij vukosnd Øekad&3 ds }kjk Fkkuk Mkasxjx<+ ds izFke lwpuk fjiksVZ fnukad&07-03-2016 dks /kkjk&279] 337 Hkkjrh; n.M lafgrk ds varxZr vijk/k iathc) vukosnd Øekad&2 ds fo:) fd;k x;k ftlds vUos"k.k esa okgu pkyu dh vuqKfIr dh ekax fd;s tkus ij vukosnd Øekad&2 }kjk ;g tkurs gq, fd mlds okgu pkyu dh vuqKfIr ugha gksus ds dFku ij ifjokfnuh dks nkok jkf'k iznku ugha fd;k tk ldsxk] vk'k;iwoZd fyf[kr feF;k dFku dj ys[kc) dFku fd;k x;k fd mlds ikl okgu pykus dh vuqKfIr ugha gS] tcfd vukosnd Øekad&2 ds ikl okgu pykus dh vuqKfIr gSA bl // 4 // izdkj vukosnd dz-3 }kj xyr vk/kkjksa ij ifjokfnuh dk nkok fnukad&21-10-2016 fujLr dj fn;k x;kA ifjokfnuh ds }kjk vius vf/koDRkk ds ek/;e ls lwpuk i= izsf"kr fd;k x;k ftldk mRrj vukosndx.k ds }kjk ugha fn;k x;k ftlds dkj.k ifjokfnuh dks ifjokn ykus dh vko';drk iM+h gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkosA 03- mRrjoknh dz-1@vukosnd dz-1 dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd fnukad&07-03-2016 dks ntZ izFke lwpuk i= ds vuqlkj vukosnd Øekad&1 ,oa 2 ds fo:) lafLFkr nkf.Md izdj.k U;k;ky; ds le{k fopkjk/khu gS ftldk vafre fujkdj.k gq, fcuk vkjksih vukosnd Øekad&1 ,oa 2 }kjk fd;s tkus dh vo/kkj.kk ugha yh tk ldrhA okgu {kfrxzLr gksus ,oa okgu ejEer~ gsrq O;; 7]29]293@&¼lkr yk[k murhl gtkj nks lkS frjkucs :i,½ dk fd;k x;k vkadyu feF;k gksus ds dkj.k vLohdkj gSA mDr vkadyu fcuk fdlh vk/kkj ds fd;k x;k gS ,oa ejEer dk dk;Z ugha fd;s tkus ds dkj.k ifjokfnuh }kjk ejEer gsrq dksbZ O;; ugha fd;k x;k gSA ifjokfnuh ,oa vukosnd Øekad&1 ds e/; Øsrk ,oa foØsrk dk laca/k ugha gSA ifjokfnuh }kjk izLrqr izdj.k miHkksDrk laj{k.k vf/kfu;e varxZr fopkj.k ;ksX; ugha gSA ifjokfnuh }kjk {kfr jkf'k dh ekax vukosnd Øekad&3 chek daiuh ls dh xbZ FkhA chek daiuh }kjk {kfr nkok vkosnu i= fujLr fd;k x;k gS ftlds // 5 // dkj.k ifjokn&i= izLrqr fd;k x;k gSA vukosnd Øekad&1] fdlh izdkj ls {kfriwfrZ gsrq mRrjnk;h ugha gSA vr% ifjokfnuh dk ifjokn] vukosnd dz-1 ds fo:) fujLr fd;k tkosA 04- mRrjoknh dz-2@vukosnd dz-2 ftyk Qksje ds le{k vuqifLFkr jgk gS vkSj mldh vksj ls dksbZ fyf[kr dFku ,oa lk{; izLrqr ughas gSA 05- mRrjoknh dz-3@vukosnd dz-3 dh vksj ls ftyk Qksje ds le{k fyf[kr izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd okgu U;w LdkfiZ;ks ftldk baftu Øekad&80599 o psfpl Øekad&19935 dk chek bl vukosnd ds dk;kZy; ls chek ds fu;e ,oa 'krksZa ds rgr~ fd;k x;k Fkk ftldk ikyu fd;k tkuk ifjokfnuh ds fy, vko';d FkkA chek 'krksZa ds mYya?ku esa ;g vukosnd chek daiuh {kfriwfrZ gsrq nkf;Rok/khu ugha gSA ifjokfnuh }kjk Lo;a bl vukosnd dks nkok izi= esa okgu pkyd ds fooj.k esa pkyd vukosnd Øekad&1 dks gksuk crk;k Fkk] tcfd iqfyl foospuk ds mijkar mDr okgu dk pkyd vukosnd Øekad&2 gksuk ik;k x;k gSA bl izdkj ifjokfnuh us ?kVuk ds okLrfod rF;ksa ls voxr ugha djk;k gSA ifjokfnuh }kjk chek 'krksZa dk mYya?ku fd;k x;k gSA nkos dh lwpuk izkIr gksus ds mijkar bl vukosnd }kjk okLrfod {kfr ds vkadyu gsrq Lora= losZ;j Jh txr jrukuh ls okgu dk losZ djk;k x;k Fkk ftlds vuqlkj okgu dh okLrfod {kfr 4]55]000@&¼pkj yk[k ipiu gtkj :i,½ dk vkadyu gqvk Fkk ftldk nkf;Ro bu vukosnd dk rHkh gksxk tc ifjokfnuh }kjk chek fu;eksa ,oa // 6 // 'krksZa dk ikyu fd;k x;k gksA chek daiuh ds }kjk ifjokfnuh ds nkos dh leqfpr tkap mijkar chek fu;eksa ,oa 'krksZa dk mYya?ku ik;s tkus ds dkj.k ifjokfnuh ds nkos dks vLohdkj djrs gq, nkok vLohdkj fd;k x;k gSA vukosnd dz-3 }kjk lsok esa dksbZ deh ugha dh xbZ gSA vr% ifjokfnuh dk ifjokn lO;; fujLr fd;k tkosA 06- vihykfFkZuh@ifjokfnuh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k izFke lwpuk fjiksVZ dh Nk;kizfr ¼,usD'pj&1½] vafre izfrosnu dh Nk;kizfr ¼,usD'pj&2½] vijk/k fooj.k dk QkeZ dh Nk;kizfr ¼,usD'pj&3½] lEifRr tIrh i=d dh Nk;kizfr ¼,usD'pj&4½] /kkjk&91 n- iz- la- ds rgr izsf"kr uksfVl dh Nk;kizfr ¼,usD'pj&5 ls 8½] eSdsfudy okgu eqykfgtk dh Nk;kizfr ¼,usD'pj&9½] fxj¶rkjh@U;k;ky; leiZ.k i=d dh Nk;kizfr ¼,usD'pj&10½] lqiqnZukek vkns'k fnukad&21-03-2016 dh Nk;kizfr ¼,usD'pj&11½] jftLVsª'ku fMVsYl dh Nk;kizfr ¼,usD'pj&12½] lur dqekj lkgw dk MªkbZfoax ykbZlsal dh Nk;kizfr ¼,usD'pj&13½] dOgj uksV dh Nk;kizfr ¼,usD'pj&14½] fMyhojh pkyku dh Nk;kizfr ¼,usD'pj&15½] bj'kkn [kku dk MªkbZfoax ykbZlsal dh Nk;kizfr ¼,usD'pj&16½] vukosnd dz-3 }kjk ifjokfnuh dks izsf"kr i= fnukad&21-10-2016 dh Nk;kizfr ¼,usD'pj&17½] lfoZl dksVs'ku dh Nk;kizfr ¼,usD'pj&18½] bj'kkn [kku ds MªkbZfoax ykbZlsal dk fMVsYl dh Nk;kizfr ¼,usD'pj&19½] vf/koDrk uksfVl fnukad&15-03-2017 dh Nk;kizfr ¼,usD'pj&20½] iksLVy jlhn // 7 // fnukad&15-03-2017 dk vly ¼,usD'pj&21½] izkfIr Lohd`fr jlhn dk vly ¼,usD'pj&22½] frts'ojh oekZ ds c;ku dh Nk;kizfr] lur dqekj ds c;ku dh Nk;kizfr] yqds'k dqekj ds c;ku dh Nk;kizfr izLrqr dh gSA 07- mRrjoknh dz-3@vukosnd dz-3 dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k izFke lwpuk fjiksVZ dh Nk;kizfr] /kkjk&91 n- iz- la- ds rgr izsf"kr uksfVl dh Nk;kizfr] nj[okLr okLrs eqykfgtk dh Nk;kizfr] losZ fjiksVZ fnukad&08-10-2016 dh Nk;kizfr] lkSjHk Qqys] ehuk Hkkysdj] eatw ckbZ] fdju ckbZ [kku] 'kkafr ckbZ fu"kkn rFkk vt; jktiwr ds dFku dh Nk;kizfr] chek ikWfylh dh Nk;kizfr rFkk eksVj Dyse QkeZ dh Nk;kizfr izLrqr fd;k gSA 08- ftyk Qksje us mHk;i{kksa dh vksj ls izLrqr vfHkopu ,oa nLrkosth lk{;ksa ds ifj'khyu Ik'pkr~ ifjokfnuh ds ifjokn dks fujLr fd;k gS ftlds fo:) ;g vihy gSA 09- vihykfFkZuh@ifjokfnuh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ukjk;.k dUukSts dk rdZ gS fd ifjokfnuh okgu dzekad&lh- th- 08 tsM@4936 dh iathd`r Lokhfeuh gS vkSj mDr okgu vukosnd dz-3 ds ikl chfer Fkk rFkk vukosnd dz-1 lur lkgw ifjokfnuh dk pkyd FkkA ifjokfnuh fnYyh esa ukSdjh djrh gS blfy, okgu dks vius tsB ds laj{k.k esa NksM+dj xbZ FkhA fnukad&06-03-2016 dks vukosnd dz-1 ifjokfnuh ds tsB dh tkudkjh ds fcuk okgu ys x;k Fkk vkSj vukosnd // 8 // dz-2 ls okgu pyokdj nq?kZVuk dkfjr fd;k Fkk ftlds laca/k esa Fkkuk Mksaxjx<+] ftyk jktukanxkao esa fnukad&07-03-2016 dks fjiksVZ ntZ fd;k x;k Fkk ftl ij /kkjk&279] 337 Hkk- na- la- dk vijk/k iathc} fd;k x;k Fkk vkSj ifjokn&i= U;kf;d eftLVsªV izFke Js.kh] Mksaxjx<+ ds U;k;ky; esa izLrqr fd;k Fkk tks vHkh yafcr gSA ifjokfnuh us okgu dks efgUnzk vkWVks eksckbZYl izkbZosV fyfeVsM esa ejEer ds fy, fHktokbZ Fkh tgka 7]29]293-55 ¼lkr yk[k murhl gtkj nks lkS frjkucs :Ik;s ipiu iSls½ dk ,fLVesV fn;k x;k Fkk ftldh lwpuk chek daiuh dks Hkh fn;k x;k Fkk] ijUrq chek daiuh }kjk ifjokfnuh ds nkos dk Hkqxrku ugha fd;k x;k vkSj blfy, ifjokfnuh dks ifjokn ykus dh vko';drk iM+h gSA ftyk Qksje us tks ;g fu"d"kZ fudkyk gS fd ifjokfnuh }kjk chek ikWfylh dh 'krksZa dk mYya?ku fd;k gS og iw.kZr% =qfViw.kZ gSA ifjokfnuh ds okgu pkyd ds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlsal Fkk rFkk ifjokfnuh }kjk okgu dks fdjk, ls pykus ;k O;kolkf;d iz;kstu ls pykuk lkfcr ugha gS vkSj ,slh fLFkfr esa ftyk Qksje us ifjokfnuh ds ifjokn dks fujLr dj =qfViw.kZ vkns'k ikfjr fd;k gSA vr% ifjokfnuh dh vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkos vkSj ifjokfnuh dks ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkosA ifjokfnuh dh vksj ls Smt. Sunia Bai and Others Vs. Rammu and Others, 2007 (1) C.G.L.J. 1; Oriental Insurance Co. Ltd. Vs. Udal Ram Sahu, 2011 (3) C.G.L.J. 9 (CCC) dk voyacyu fy;k gSA // 9 // 10- mRrjoknh dz-1 ,oa 2@vukosnd dz-1 ,oa 2 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh euthr flax HkkfV;k dk rdZ gS fd vukosnd dz-1 ifjokfnuh dk pkyd Fkk vkSj vukosnd dz-1 dh rfc;r [kjkc gksus ds dkj.k ls mlus vukosnd dz-2 dks okgu pykus ds fy, fn;k FkkA ifjokfnuh] vukosnd dz-1 ,oa 2 dh **miHkksDrk** ugha gS rFkk vukosnd dz-1 ,oa 2 ls ifjokfnuh dk dksbZ lafonk ugha gSA ,slh fLFkfr esa ifjokfnuh] vukosnd dz-1 ,oa 2 ls fdlh izdkj dh {kfriwfrZ izkIr djus dh vf/kdkfj.kh ugha gS vkSj ftyk Qksje us bu vukosndkas ds laca/k esa tks vkns'k ikfjr fd;k gS og iw.kZr% mfpr gSA vr% vukosnd dz-1 ,oa 2 ds laca/k esa ifjokfnuh dh vihy fujLr fd;k tkosA 11- mRrjoknh dz-3@vukosnd dz-3 bQdks Vksfd;ks tujy ba';ksjsal daiuh fyfeVsM dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ih- ds- ikWy dk rdZ gS fd ifjokfnuh us chek 'krksZa dk mYya?ku fd;k gSA vukosnd dz-1 dks pkyd gksuk crk;k x;k gS] tcfd iqfyl foospuk esa ;g izdV gqvk gS fd vukosnd dz-2 okgu pyk jgk FkkA ifjokfnuh }kjk okLrfod rF;ksa dks fNik;k x;k gSA nkok izi= esa ifjokfnuh us lur dqekj dk MªkbZfoax ykbZlsal izLrqr fd;k gS tcfd izFke lwpuk&i= esa bj'kkn [kku dks okgu pykuk crk;k x;k gS vkSj bj'kkn [kku ds ikl dksbZ MªkbZfoax ykbZlsal nq?kZVuk ds le; ugha Fkk rFkk nq?kZVuk ds le; okgu esa 13 lokjh cSBs gq, Fks] tcfd mlesa cSBus dh {kerk 09 crk;k x;k gSA bl izdkj ifjokfnuh }kjk chek 'krksZa dk mYya?ku fd;k x;k gSA // 10 // vukosnd dz-1 }kjk okgu dh {kfr dk vkadyu djus gsrq losZ;j fu;qDr fd;k x;k Fkk vkSj losZ;j us okgu dh {kfr dk vkadyu 4]55]000@&¼pkj yk[k ipiu gtkj :Ik;s½ fd;k gS vkSj pwafd ifjokfnuh }kjk chek 'krksZa dk mYya?ku fd;k x;k gS] ,slh fLFkfr esa ifjokfnuh fdlh izdkj dh {kfriwfrZ izkIr djus dh vf/kdkfj.kh ugha gS vkSj chek daiuh us mfpr :Ik ls ifjokfnuh ds nkos dks vLohdkj fd;k gSA ftyk Qksje us tks vkns'k ikfjr fd;k gS og iw.kZr% fof/k lEer vkns'k gS vkSj mlesa fdlh izdkj ds gLr{ksi dh vko';drk ugha gSA vr% ifjokfnuh dh vihy fujLr fd;k tkosA 12- 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 13- ifjokfnuh dh vksj ls jftLVsª'ku fMVsYl izLrqr fd;k x;k gSA bl jftLVsª'ku fMVsYl ds vuqlkj iz'uk/khu okgu ifjokfnuh frts'ojh ds uke ij ntZ gS rFkk vukosnd dz-3 us Hkh ;g Lohdkj fd;k gS fd okgu ifjokfnuh ds LokfeRo dh Fkh tks fd vukosnd dz-3 ds ikl chfer FkkA 14- ifjokfnuh dh vksj ls nLrkost dz-1 izLrqr fd;k x;k gS tks fd izFke lwpuk i= gSA izFke lwpuk&i= ds vuqlkj ?kVuk fnukad&06-03- 2016 ds 23-%45 cts dh gS vkSj mlh fnu e/; jkf= dks vFkkZr~ fnukad&07-03-2016 dks 2%30 cts ds yxHkx fjiksVZ ntZ djk;k x;k gSA bl izdkj ?kVuk dh rRdky fjiksVZ iqfyl Fkkuk Mksaxjx<+] ftyk // 11 // jktukanxkao esa lkSjHk Qqys vk- y{ehukjk;.k Qqys }kjk ntZ djk;k x;k gSA izFke lwpuk&i= esa ;g mYysf[kr gS fd%& **eSa dsnkjckM+h Mksaxjx<+ dk jgus okyk gWaw] i<+kbZ djrk gWawA fnukad&06-03-2016 dks Mksaxjx<+ ds vius fj'rsnkj lquhy jkeVsds ds lxkbZ esa ubZ LdkfiZ;ks jkekVksyk okys ds xkM+h esa cSBdj fHkykbZ x;s FksA dk;Zdze ds ckn mlh LdkfiZ;ks okgu ls 11] 12 vkneh cPps lfgr cSBdj okil Mksaxjx<+ vk jgs FksA LdkfiZ;ks okgu ds pkyd dkQh rst o ykijokghiwoZd pykrs yk jgk FkkA tSls gh dq:HkkB xzke ds ikl igaqps okgu pkyd xkM+h dks ck;sa jksM ds fdukjs iYVh dj fn;k gS ftlls cSBs yksxksa vkjrh ckbZ jkeVsds] 'kkafr ckbZ fu"kkn] vt; jktiwr] ehuk Hkkysdj] eatq ckbZ oS/k] fdju ckbZ [kku rFkk cPps uSfrd Hkkysdj] vknh Hkkysdj] bejku [kku] fla/kq oS/k ds flj o dej] gkFkksa esa pksVsa vk;h gS rFkk eq>s Hkh dej esa] xnZu esa] gkFk esa nnZ gSA okgu ekSds is iYVh iM+h gSA ge yksxksa dks izkbZosV okgu ls Mksaxjx<+ vLirky esa bZykt gsrq HkrhZ djk;s gSa ftlesa ls pkj&ikap vkneh dks ftyk vLirky jktukanxkao fjQj fd;k x;k gSA ubZ LdkfiZ;ks dk okgu pkyd rst o ykijokgh iwoZd pykdj ,DlhMsaV djus ls lHkh yksxksa dks pksaVsa vkbZ gSA fjiksVZ i<+dj ns[kk] crk;s vuqlkj fy[ks gSaA tkap dh tk;sA vijk/k iathc} dj foospuk esa fy;k x;kA** 15- ifjokfnuh dh vksj ls tks nLrkost izLrqr fd;s x;s gSa mlesa vafre izfrosnu esa bj'kkn [kku vkSj lur dqekj lkgw dk uke vkjksih ds :Ik esa ntZ gS vkSj bu nksuksa ds fo:} /kkjk&279] 337 ,oa 338 Hkk- n- fo- dk vijk/k Fkkuk Mksaxjx<+ esa iathc} dj vfHk;ksx&i= izLrqr fd;k x;k gS rFkk lur dqekj lkgw ls MªkbZfoax ykbZlsal Hkh tIr fd;k x;k gS vkSj tIrh i= esa lur dqekj lkgw ds uke ls tkjh MªkbZfoax ykbZlsal uacj&lh-
// 12 // th- 08@20060000418 gSA bl izdkj Li"V gS fd lur dqekj lkgw ds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlsal FkkA 16- gkykafd vukosnd dz-1 lur dqekj lkgw us vius fyf[kr dFku esa bl rF; ls badkj fd;k gS fd vukosnd dz-2 ds }kjk okgu dks pyk;k tk jgk Fkk rFkk izFke lwpuk i= fy[kkus okys O;fDr us Hkh izFke lwpuk&i= esa pkyd ds uke dk mYys[k ugha fd;k gS] vfirq vijk/k vKkr O;fDr ds uke ls ntZ fd;k x;k gS vkSj foospuk ds nkSjku lur dqekj lkgw dk MªkbZfoax ykbZlsal tIr fd;k x;k gS vkSj ifjokfnuh ds vuqlkj lur dqekj lkgw gh mldh okgu dk pkyd FkkA 17- ;fn FkksM+h nsj ds fy, eku Hkh ysa fd okgu dks bj'kkn [kku pyk jgk Fkk rks /kkjk&91 n.M izfdz;k lafgrk ds varxZr bj'kkn dks uksfVl fn;k x;k gS ftlesa crk;k x;k gS fd mlds ikl okgu pkyd dk MªkbZfoax ykbZlsal ugha gS] ijUrq izdj.k esa bj'kkn [kku dk MªkbZfoax ykbZlsal izLrqr fd;k x;k gS tks fd iwoZ esa fnukad&30-04-2003 dks tkjh fd;k x;k Fkk vkSj igys og ,y- ,e- Ogh- ds fy, Fkk vkSj mlds ckn mls VªkaliksVZ Oghdy ds fy, fnukad&31-01-2017 rd vkSj ukWu VªkaliksVZ ds fy, fnukad&31-01-2031 rd ds fy, uohuhd`r fd;k x;k gSA bl izdkj Li"V gS fd ftl le; okgu dk nq?kZVuk fnukad&06-03-2016 dks bj'kkn [kku ds ikl Hkh oS/k ,oa izHkkoh MªkbZfoax ykbZlsal FkkA 18- vukosnd dz-3 dh vksj ls nwljk vk{ksi ;g fd;k x;k gS fd okgu dk chek ,oa jftLVsª'ku izkbZosV Oghdy ds :Ik esa gqvk Fkk] ijUrq okgu // 13 // dk mi;ksx O;kolkf;d iz;kstu ds fy, fd;k tk jgk Fkk vkSj mlesa 11&12 O;fDr cSBs gq, Fks] tcfd okgu esa cSBus dh {kerk 09 Fkh vkSj bl izdkj cSBus dh {kerk ls vf/kd lokjh cSBk;k x;k Fkk vkSj okgu dks fdjk;s ij pyk;k tk jgk FkkA 19- okgu dks O;kolkf;d iz;kstu ds fy, pyk;k tk jgk Fkk ;g lkfcr djus dk Hkkj chek daiuh ij gSA izFke lwpuk&i= esa ;g mYysf[kr ugha gS fd okgu dks fdjk;s ls ys tk;k x;k FkkA mlh izdkj vukosnd dz-3 us tks ifjokfnuh frts'ojh oekZ dk c;ku izLrqr fd;k gS mldh dafMdk&5 esa dsoy ;g dFku gS fd **mls crk;k x;k Fkk fd ?kVuk ds le; xkM+h esa cM+s vkSj cPps feykdj 10&12 yksx cSBs gq, Fks ftlesa ls 5&6 yksx dks pksaVsa vkbZ FkhA** lur dqekj lkgw dk Hkh c;ku vukosnd dz-3 }kjk izLrqr fd;k x;k gS ftlesa lur dqekj lkgw us vius c;ku dh dafMdk&3 esa ;g crk;k gS fd **fnukad&06-03-2016 dks esjs fe= bj'kkn [kku ds lkys dh lxkbZ Fkh fHkykbZ esa] lks eSa frts'ojh oekZ ds tsB Jh yqds'k dqekj oekZ tks mDr okgu lh-th- 08 tsM&4936 dh ns[kjs[k djrs Fks] ls mDr okgu ekaxdj ys x;k Fkk** rFkk c;ku dh dafMdk&4 esa ;g crk;k gS fd **Mksaxjx<+ ls fHkykbZ mDr okgu ls bj'kkn [kku o mlds ikfjokfjd lnL;ksa dks cSBkdj ys x;k ,oa lxkbZ dk;Zdze lekIr gksus ds ckn jkr dks mDr okgu ysdj okil Mksaxjx<+ vk jgk Fkk rFkk xkM+h esa bj'kkn [kku o mlds ikfjokfjd lnL; dqy 10&12 yksx cSBs Fks ,oa jkLrs esa esjh rch;r [kjkc gksus ls eSaus mDr // 14 // okgu lh-th- 08 tsM@4936 bj'kkn [kku dks pykus dks fn;k Fkk** vkSj yksds'k dqekj oekZ us Hkh vius c;ku esa ;g crk;k gS fd **xkM+h dks ekaxdj ys x;k FkkA** bl izdkj vukosnd dz-3 }kjk izLrqr nLrkosth lk{; ls gh ;g izdV gksrk gS fd okgu dks lur dqekj }kjk yksds'k dqekj oekZ ls ekaxdj ys tk;k x;k Fkk vkSj vukosnd dz-3 }kjk ,slk dksbZ Hkh nLrkosth lk{; izLrqr ugha fd;k x;k gS ftlls ;g izdV gks fd ifjokfnuh us okgu dks fdjk;s ij pykus ds fy, fn;k Fkk vkSj mlesa cSBs gq, O;fDr;ksa ls fdjk;k dh jkf'k olwy dh gSA 20- B. V. Nagaraju Vs. Oriental Insurance Co. Ltd., Divisional Officer, Hassan (1996) 4 SCC 647 (SC) esa ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "7. It is plain from the terms of the Insurance Policy that the insured vehicle was entitled to carry 6 workmen, excluding the driver. If those 6 workmen when travelling in the vehicle, are assumed not to have increased any risk from the point of view of the Insurance Company on occurring of an accident, how could those added persons be said to have contributed to the causing of it is the poser, keeping apart the load it was carrying. Here, it is nobody's case that the driver of the insured vehicle was responsible for the accident. In fact, it was not disputed that the oncoming vehicle had collided head-on against the insured vehicle, which resulted in the damage. Merely by lifting a person or two, or even three, by the driver or the cleaner of the vehicle, without the knowledge of the owner, cannot be said to be such a fundamental breach that the owner should, in all events, be denied indemnification. The misuse of the vehicle was somewhat irregular though, but not so fundamental in nature so as to put an end to the contract, unless some factors existed which, by themselves, had gone // 15 // to contribute to the causing of the accident. In the instant case, however, we find no such contributory factor. In Skandia case1 this Court paved the way towards reading down the contractual clause by observing as follows: (SCC pp. 66566, para 14) "..........when the option is between opting for a view which will relieve the distress and misery of the victims of accidents or their dependants on the one hand and the equally plausible view which will reduce the profitability of the insurer in regard to the occupational hazard undertaken by him by way of business activity, there is hardly any choice. The Court cannot but opt for the former view. Even if one were to make a strictly doctrinaire approach, the very same conclusion would emerge in obeisance to the doctrine of 'reading down' the exclusion clause in the light of the 'main purpose' of the provision so that the 'exclusion clause' does not cross swords with the 'main purpose' highlighted earlier. The effort must be to harmonize the two instead of allowing the exclusion clause to snipe successfully at the main purpose. The theory which needs no support is supported by Carter's 'Breach of Contract' vide paragraph 251. To quote:
"Notwithstanding the general ability of contracting parties to agree to exclusion clauses which operate to define to obligations there exists a rule, usually referred to as the 'main purpose rule', which may limit the application of wide exclusion clauses defining a promisor's contractual obligations. For example, in Glynn v. Margetson & Co.2 (AC at p. 357), Lord Halsbury, L.C. stated:
'It seems to me that in construing this document, which is a contract of carriage between the parties, one must in the first instance look at the whole instrument and not at one part of it only. Looking at the whole instrument, and seeing what one must regard....as its main purpose, one must reject words, indeed whole // 16 // provisions, if they are inconsistent with what one assumes to be the main purpose of the contract.' Although this rule played a role in the development of the doctrine of fundamental breach, the continued validity of the rule was acknowledged when the doctrine was rejected by the House of Lords in Suisse Atlantique Societe d' Armement Maritime SA v. NV Rotterdamsche Kolen Centrale3. Accordingly, wide exclusion clauses will be read down to the extent to which they are inconsistent with the main purpose, or object of the contract."
21- Revision Petition No. 1616/2018 Oriental Insurance Co. Ltd. Vs. Shiv Pujan Kushwaha, Order Dated-10.07.2018 esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "6. The learned counsel for the petitioner relies upon the decision of a single Member Bench of this Commission dated 28.11.2011 in S.G. Shivamurtheppa Vs. Reliance General Insurance Co. Ltd. RP/3176/2011. In the decision relied upon by the learned counsel for the petitioner, repudiation of claim was upheld on finding that not more than 12 persons including driver could have been carried in the vehicle which was instead carrying 16 persons. The aforesaid decision, in my view, is contrary to the decision of the Hon'ble Supreme Court in B.V. Nagraj (Supra) which finds no reference in the aforesaid judgment. Therefore, no reliance upon the aforesaid dicision can be placed."
22- Oriental Insurance Company Limited Vs. Laxmegowda 2017 (4) CPR 129 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& // 17 // "6. The main issue that merits consideration in the matter is whether the insurance company is liable to pay the claim to the insured in terms of the policy in question, keeping in view the fact that 14 passengers were found travelling in a goods-carrying commercial vehicle at the time of the accident. As stated by the petitioner, a contract of insurance is a contract of good faith and the insurer should not be liable to pay any amount, if there had been a breach of the terms and conditions of the policy. However, the matter has been considered in detail by the Hon'ble Apex Court in "Lakhmi Chand vs. Reliance General Insurance Co." (supra) and it has been brought out that the insurer was liable to pay the claim, unless there was a fundamental breach of the terms and conditions of the policy in question. The Hon'ble Apex Court while pronouncing their judgment in this case, relied upon an earlier judgment passed by them in "B.V.Nagaraji vs. The Oriental Insurance Company Ltd." [(1996) 4 SCC 647]. In the case "Lakhmi Chand vs. Reliance General Insurance Co." (supra), the District Forum had allowed compensation to the complainant on 'non standard' basis and directed the insurance company to settle the same upto 75% of the amount spent for affecting repairs to the damaged vehicle. The said order of the District Forum was set aside in appeal before the State Commission. The order of the State Commission was upheld by the National Commission as well, but in appeal before the Hon'ble Apex Court, the order of the District Forum was restored. It is evident, therefore, that relying upon this order, the complainant is entitled to get the claim on 'non standard' basis only."
23- Lakhmi Chand Vs. Reliance General Insurance, II (2016) CPJ 3 (SC), esa ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Accident was caused on account of rash and negligent driving of offending vehicle. FIR under Sections 337, 338, 304A and 427 of IPC registered against driver of vehicle. Insurance Company not produced any evidence on record to prove that accident occurred on account of // 18 // overloading of passengers in goods carrying vehicle. For the insurer to avoid liability, breach of policy must be so fundamental in nature that it brings contract to an end. Violation of policy conditions not established. Repudiation not justified."
24. Oriental Insurance Company vs. Girbar Sinh Nandwanshi & Anr. 2015 (3) CPR 299 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "The claim repudiated on ground of overloading, in a case of overloading claim has to be processed on non-standard basis. In case of overloading of a vehicle, beyond licensed carrying capacity, claim preferred by Insured should be paid @ 75% of admissible claim."
25. Oriental Insurance Company Limited & Anr. vs. Rajak 2015 (3) CPR 375 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "In case of overloading of vehicle beyond licence carrying capacity claim is admissible upto 75% on non-standard basis." 26- mijksDr U;k; n`"Vkarksa ds ifjizs{; esa ifjokfnuh dk nkok iw.kZr% fujLr ugha fd;k tk ldrk gS vkSj dsoy bl vk/kkj ij fd okgu esa 10&11 O;fDr cSBs gq, Fks] ifjokfnuh ds nkos dks vLohdkj djuk mfpr ugha gS] vfirq ifjokfnuh vekud vk/kkj ij (Non Standard Basis) {kfriwfrZ ikus dh vf/kdkfj.kh gSA // 19 // 27- vukosnd dz-3 dh vksj ls losZ;j fjiksVZ izLrqr fd;k x;k gS vkSj losZ;j us {kfr dk vkadyu 4]55]000@&¼pkj yk[k ipiu gtkj :Ik;s½ fd;k gSA 28- tgka rd losZ;j fjiksVZ dk laca/k gS] losZ;j ,d fu"i{k ,oa Lora= O;fDr gksrk gS vkSj losZ;j fjiksVZ dks rc rd R;Dr ugha fd;k tk ldrk tc rd fd mls fu'p;kRed lk{; }kjk [kf.Mr uk dj fn;k tkosA 29- Oriental Insurance Co. Ltd. Vs. Jagdish Chand Gupta 2018 (1) CPR 311 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Report of Surveyor must be given due weightage." 30- Devendra Malhotra Vs. United India Insurance Co. Ltd. & Anr. 2016 (3) CLT 525 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Consumer Protection Act, 1986, Sections 2 (1) (g), 19 & 21 (a) (ii)- Insurance claim Surveyor report Held It is a established legal proposition that the report made by the surveyor, who is a professional in his field, cannot disbelieved, unless there are cogent and convincing reasons to do so."
31- Oriental Insurance Co. Ltd. Vs. Pavan Enterprises & Anr. I (2016) CPJ 503 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& // 20 // "12. I see no reason to discard the report of the Surveyor. He appears to be a guideless witness. No motive was ever attributed to him. There must be some reasonable ground or doubt to reject his report. The report of the Surveyor carries infinite significance as was held in Roshan Lal Oil Mills Ltd. & Ors., 2014 (SLT Soft) 1 = 2014 (CPJ Soft) 1 = (2000) 10 Supreme Court Cases 19 and in D.N. Badoni v. Oriental Insurance Co. Ltd., I (2012) C.P.J. 272 (NC)."
32. New India Assurance Company Ltd. Vs. Balaji Emporium I (2015) CPJ 588 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& **losZ;j fjiksVZ dks Ik;kZIr egRo nsuk pkfg, tc rd fd mls vLohd`r djus ds fy, Ik;kZIr ,oa Bksl vk/kkj fo|eku ugha gSA** 33- M/s. Hinafil India Limited vs. United India Insurance Company Limited & Another, 2015 (3) CPR 35 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Surveyor being a third person, report submitted by him is entitled to a great weight and should ordinarily be accepted." 34- Iffco-Tokio General Insurance Co. Ltd. Vs. Beena Raghav , III (2015) CPJ 75 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "3. .......The surveyor and Loss Assessor was an independent and qualified person being governed by IRDA. As per the report of the Surveyor, the net amount payable was Rs. 97,619.42 on repair basis as the car was repairable. During the discussion with the repairer, he was informed that since the repair cost was well below 75% of the IDV and the vehicle was repairable there was no other possibility. As per // 21 // the Investigator, on 05.10.2012 the repairer was advised to start the repair work but the repairer refused to do so as the insured had specifically instructed the repairer not to start the rapair work. A letter was also sent to the insured informing her of their decision and requesting her to carry out the repairs in her car. The written settlement of repair was also sent to the repairer personally but the repairer showed his inability to settle the claim saying that the insured does not want to get the vehicle repaired at any cost and the respondent wants some other settlement. It was also observed by the surveyor and the loss assessor that the vehicle was easily repairable and all the parts were easily available with the repairer. The Surveyor also sent a letter dated 5.11.2012 requesting the insured to authorise the repairer to start the rapairs and submit the bills of repairs but there was no response from the insured. The surveyor had also sent the assessment report to the repairer and also written the final letter to the insured. The surveyors report was admissible and cannot be brushed aside. Moreover the respondent herself was lingering in the matter and though the car of the insured was repairable the respondent had refused to give approval to the repairer to start the repair work as the insured knew very well that the cost of the repair assessed by the Surveyor was perfectly correct and on the contrary the estimate given by the repairer was on the higher side and exaggerated. The repairer after receiving the mail of the Surveyor had not objected to the veracity of the report of assessment. The repairer, in fact, had not assessed the loss as total loss. It was the insured who had alleged that the vehicle was a total loss.
7. ...............The Surveyor had been appointed under the statutory provisions of Section 64 UM (2) of the Insurance Act, 1938. In terms of Section 64UM(2) the surveyor was an independent professional engaged by the petitioner to assess the loss suffered by the respondent with respect to respondent's car/property. The report prepared by the Surveyor was of a significant and evidentiary value cannot be ignored and dismissed as such by saying that the "assessed // 22 // loss cannot be considered trustworthy", without giving valid reasons for coming to this conclusion.
12. We see from the survey report that as per the estimate of M/s. Apra Auto (India) Pvt. Ltd., is had recommended replacement of parts not damaged. Further, the assessment of cost to be indemnified made by the surveyor was as per the terms and conditions of the policy excluding the parts deductible as per the schedule attached to the Insurance Policy. The impugned order has failed to give any basis or cogent reason for dismissing the survey report as untrustworthy and for accepting the estimate of the repair filed by the respondent. The State Commissions has failed to appreciate that the respondent was not interested in getting her vehicle repaired and had given strict instructions to M/s. Apra Auto (India) Pvt. Ltd., the rapairer that she was not interested in the repair of the vehicle but only in claiming the IDV on total loss. The respondent has failed to explain herreluctance and refusal to get the car repaired and thereafter claiming the cost incurred based on the actual bills for repair. She has also failed to give any convincing reasons for disputing the cost of repair as worked out by the Surveyor. The impugned order also fails to record as to the reasons for dismissing the summary report as untrustworthy." 35- United India Insurance Co. Ltd. Vs. Raj Kumar, I (2016) CPJ 555 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "4. .......................Sri Venkateswara Syndicate v. Oriental Insurance Company Limited & Anr. III (2009) CPJ 81 (SC)=II (2010) SLT 664=(2009) 8 SCC 507, in which it is stated that:
31. The assessment of loss, claim settlement and relevance of survey report depends on various factors. Whenever a loss is reported by insured, a loss adjuster, popularly known as loss surveyor, is deputed who assesses the loss and issues report known as surveyor report which forms the basis for consideration or otherwise of the claim. Surveyors are appointed under the statutory provisions and they are the link // 23 // between the insurer and the insured when the question of settlement of loss or damage arises. The report of the surveyor could become the basis for settlement of a claim by the insurer in respect of the loss suffered by the insured.
32. There is no disputing the fact that the surveyor/surveyors are appointed by the Insurance Company under the provisions of the insurance Act and their reports are to be given due importance and one should have sufficient grounds not to agree with the assessment made by them. We also add, that, under this Section the Insurance Company cannot go on appointing surveyors one after another so as to get a tailor-made report to the satisfaction of the officer concerned of the Insurance Company, if for any reason, the report of the surveyors is not acceptable, the insurer has to give valid reason for not accepting the report."
5. The learned Counsel for the petitioner stated that the report of the authorized surveyor has dealt with all the components of the truck which were damaged and the main issue is in respect of chassis of the truck. According to the surveyor, chassis was slightly damaged and it was sufficient to get it repaired. There was no need to go for the complete replacement of the chassis. Thus the Fora below have erred in assessing the loss based upon the report of the private garage.
7. ...............Hon'ble Apex Court in the case of Sri Venkateswara Syndicate v. Oriental Insurance Company Limited & Anr. (Supra) the Fora below should have given due importance to the report of the licensed surveyor appointed by the Insurance Company. It would have been still open to the respondent to replace chassis for greater safety to his satisfaction from his own funds. When there is a provision in the Insurance Act for appointing a surveyor by the insurer to assess the loss based on the circumstances and evidence in the case, reliance should not have been placed on the report of a private garage. Moreover, no reasons have been given by the fora below to dump the surveyor report. Thus I am convinced with the arguments averred by // 24 // the learned Counsel for the petitioner that the claim of the respondent should have been allowed based on the surveyor report." 36- losZ;j }kjk tks 4]55]000@&¼pkj yk[k ipiu gtkj :Ik;s½ {kfr dk vkadyu fd;k x;k gS mldk vekud vk/kkj ij (Non Standard Basis) 75 izfr'kr jkf'k tks fd 3]41]250@&¼rhu yk[k bdpkyhl gtkj nks lkS ipkl :Ik;s½ gksrk gS] ifjokfnuh dks vukosnd dz-3 chek daiuh ls {kfriwfrZ ds :Ik esa fnyk;k tkuk mfpr gksxk vkSj bl izdkj ifjokfnuh] vukosnd dz-3 chek daiuh ls losZ;j }kjk vkadfyr dh xbZ jkf'k&4]55]000@&¼pkj yk[k ipiu gtkj :Ik;s½ dk vekud vk/kkj ij (Non Standard Basis) 75 izfr'kr jkf'k 3]41]250@&¼rhu yk[k bdpkyhl gtkj nks lkS ipkl :Ik;s½ izkIr djus dh vf/kdkfj.kh gS vkSj ml ij ifjokn izLrqfr fnukad ls ysdj jde dh vnk;xh fnukad rd 09 izfr'kr okf"kZd C;kt dh nj ls C;kt izkIr djus dh vf/kdkfj.kh gSA 37- tgka rd vukosnd dz-1 ,oa 2 dk laca/k gS] vukosnd dz-1 ifjokfnuh dk pkyd Fkk vkSj vukosnd dz-2 }kjk ?kVuk ds le; okgu dks pyk;k tkuk crk;k tk jgk gS blfy, vukosnd dz-1 ,oa 2 dh ifjokfnuh **miHkksDrk** ugha gS vkSj ,slh fLFkfr esa ifjokfnuh] vukosnd dz-1 ,oa 2 ls fdlh izdkj dh {kfriwfrZ ikus dh vf/kdkfj.kh ugha gSA okgu vukosnd dz-3 ds ikl chfer Fkk bl dkj.k mldh {kfriwfrZ djus ds fy, dsoy vukosnd dz-3 chek daiuh nkf;Rok/khu gSA // 25 // 38- vr% vihykfFkZuh@ifjokfnuh dh vksj ls izLrqr vihy Lohdkj fd;k tkrk gSA ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad&09-05- 2018 vikLr fd;k tkrk gS vkSj ;g vknsf'kr fd;k tkrk gS fd%& 1- mRrjoknh dz-3@vukosnd dz-3] vihykfFkZuh@ifjokfnuh dks vekud vk/kkj ij (Non Standard Basis) 3]41]250@&¼rhu yk[k bdpkyhl gtkj nks lkS ipkl :Ik;s½ dh jkf'k {kfriwfrZ ds :Ik esa vkns'k fnukad ls 45 fnol ds Hkhrj vnk djsxkA 2- mRrjoknh dz-3@vukosnd dz-3] vihykfFkZuh@ifjokfnuh dks mDr 3]41]250@&¼rhu yk[k bdpkyhl gtkj nks lkS ipkl :Ik;s½ ij ifjokn izLrqfr fnukad&18-08-2017 ls ysdj jde dh vnk;xh fnukad rd 09 izfr'kr okf"kZd C;kt dh nj ls C;kt Hkh vnk djsxkA 3- mRrjoknh dz-3@vukosnd dz-3 bl vihy dk O;;
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