State Consumer Disputes Redressal Commission
Oriental Insurance Company Limited vs Netrapal S/O. Man Singh Kasana on 28 November, 2025
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[kjkc gks tkus ls fn0 30-06-2021 dks izkr% 10%00 cts ,u-,p- 08 fLFkr vuks[kh gV gksVy ij okgu dks ykWd djds t;iqj vk x;kA fn0 02-07-2021 dks tc og okgu ds ikl igqWpk rks okgu ekSds ij ugha feyk] ftl ij mlus iqfyl Fkkuk cgjksM esa izFke lwpuk fjiksVZ ntZ djk;h] ftl ij iqfyl esa ckn vuql/a kku vne irk eky eqyfteku vafre fjiksVZ is'k dj nhA ifjoknh }kjk foi{kh chek dEiuh ds ;gkWa lEiw.kZ nLrkostkr is'k djrs gq, chek Dyse is'k fd;k x;k ysfdu chek dEiuh }kjk fn0 11-05-2023 dks ifjoknh dk chek Dyse [kkfjt dj fn;k] ftu dkj.kksa ds vk/kkj ij ifjoknh dk chek nkok [kkfjt fd;k x;k] os fof/k fo:} FksA foi{kh chek dEiuh }kjk ifjoknh dk chek nkok [kkfjt djus dk eq[; vk/kkj ;g crk;k x;k fd mDr pksjh x;s okgu dks fn0 05-03-2022 dks okgu pkyd jkts'k }kjk VªkaftV ikl dk mi;ksx djrs gq, ik;k x;kA vr% fn0 02-07-2021 dks okgu pksjh gksus dh ?kVuk xyr gS ;fn okgu pksjh gksrk rks mDr okgu mi;ksx esa ugha fy;k tkrkA ;g Hkh dkj.k crk;k x;k fd okgu ?kVuk LFky ij vlqjf{kr NksM fn;k] ogkWa ij dksbZ lqj{kk xkMZ ugha FkkA ifjoknh dk var esa ;g dguk jgk fd okgu dh chek/ku jkf'k 29]00]000@& :i;s e; C;kt 12 izfr'kr okf"kZd nj lss fn0 02-07-2021 ls rkvnk;xh ifjoknh dks fnyk;k tkosA 2 jktLFkku] jkT; miHkksDrk vk;ksx] t;iqj vihy la[;k& 195@2025 ,oa 226@2025 ifjoknh dks ekufld o 'kkjhfjd larki isVs 1]00]000@& :i;s rFkk ifjokn [kpZ ds isVs 25]000@& :i;s fnyk;s tkosaA 03- foi{kh chek dEiuh us ifjokn ds tokc esa ;g vfHkdFku fd;k fd ifjoknh us chek ikWfylh dh 'krksZ dk mYya?ku fd;k gSA mDr ?kVuk ds lac/a k esa chek dEiuh dh vksj ls ykblsal/kkjh losZ;j ,.M fMVsfDVo Jh enu dqekj dks fu;qDr fd;k x;k Fkk] ftlus tkWp fjiksVZ fn0 30-11-2022 dks chek dEiuh dks miyC/k djk;hA chek dEiuh dk dguk gS fd chek O;olk; ^^Utmost Goodfaith^^ ds fl}kar ds vk/kkj ij fd;k tkrk gS vFkkZr chek dEiuh iw.kZ :i ls fo'okl djrs gq, chek djrh gSA chek/kkjh }kjk rF; tku&cw>dj xyr izLrqrhdj.k djrs gq, dksbZ dk;Zokgh dh tkrh rks chek nkok [kkfjt djus esa chek dEiuh dk dksbZ lsoknks"k ugha dgk tk ldrkA vius tokc esa ;g Hkh of.kZr fd;k fd ifjoknh us izFke lwpuk fjiksVZ djhc ,d ekg ds foyEc ls ntZ djk;h gS] bl foyEc dk dksbZ Li"Vhdj.k Hkh ifjoknh us ugha fn;k gSA lR;rk ;g gS fd mDr okgu pksjh gh ugha gqvk gS ?kVuk ds ckn fn0 05-03-2022 dks okgu pkyd jkts'k mDr okgu dk mi;ksx djrs gq, ik;k x;kA chek dEiuh }kjk VªkaftLV ikl cukrs le; =qfVo'k okgu la[;k vkj- 14 th- bZ- 1051 dh txg vkj-ts- 14 th-,y- 1051 fy[kk x;kA bl laca/k esa okgu la[;k vkj-ts- 14 th-bZ- 1051 ds ekfyd dk 'kiFk i= izLrqr djus ds fy, dgk x;kA vius tokc esa ;g Hkh dgk gS fd Jhjke VªkaliksVZ Qkbusl a dEiuh izdj.k esa vko';d i{kdkj Fkh] mls i{kdkj ugha cuk;k x;k gSA vr% lgh dkj.kksa ds vk/kkj ij ifjoknh dk chek nkok [kkfjt fd;k x;k Fkk] ifjoknh dk ifjokn e; [kpkZ [kkfjt fd;s tkus dh izkFkZuk dh gSA 04- fo}ku ftyk miHkksDrk vk;ksx }kjk mHk; i{kdkjku dh cgl lqudj vfHkopuksa ,oa lk{; ds vk/kkj ij ifjoknh dk ifjokn fu.khZr djrs gq, fn0 26-03- 2025 dks fuEu vkns'k ikfjr fd;k%&& ^^vr% izkFkhZ dk ifjokn fo:} foi{kh vkaf'kd :i ls Lohdkj fd;k tkdj vkns'k fuEu izdkj ls ikfjr fd;k tkrk gS%&& 3 jktLFkku] jkT; miHkksDrk vk;ksx] t;iqj vihy la[;k& 195@2025 ,oa 226@2025 1- izkFkhZ dks foi{kh Dyse jkf'k 29]00]000@& :i;s dh 85 izfr'kr Dyse jkf'k 24]65]000@& :i;s v{kjs pkSchl yk[k iSalB gtkj :i;s ifjokn izLrqfr ls rkvnk;xh 09 izfr'kr lk/kkj.k okf"kZd C;kt nj lfgr vnk djsAa 2- blds vfrfjDr izkFkhZ dks foi{kh }kjk 'kkjhfjd o ekufld larki crkSj 80]000@& :i;s v{kjs vLlh gtkj :i;s dh jkf'k fnyk;s tkus ds vkns'k fn;s tkrs gSaA 3- ifjokn O;; ds :i esa 20]000@& :i;s v{kjs chl gtkj :i;s dh jkf'k vfrfjDr fnyk;s tkus ds vkns'k ikfjr fd;s tkrs gSaA 4- foi{kh dks ;g Hkh vknsf'kr fd;k tkrk gS fd mDr of.kZr jkf'k fu.kZ; dh frfFk ls 45 fnol esa ifjoknh dks vnk djsAa 5- mDr vuqlkj fu.kZ; vkt fnukad 26-03-2025 dks fy[kkdj lquk;k x;kA^^ 05- bl vkns'k ls O;fFkr gksdj foi{kh chek dEiuh }kjk vihy la[;k 195@2025 vkyksP; fu.kZ; fn0 26-03-2025 dks vikLr djk;s tkus ds ckcr ,oa ifjoknh us=iky }kjk vihy la[;k 226@2025 vk{ksfir fu.kZ; fn0 26-03-2025 dks la'kksf/kr djrs gq, ewy ifjokn esa pkgk x;k vuqrks"k foi{kh chek dEiuh ls fnyk;s tkus ds ckcr is'k dh xbZ gSA 06- mDr nksuksa vihyksa ij fo}ku vf/koDrk mHk; i{kdkjku dh cgl lquh xbZA 07- fo}ku vf/koDrk foi{kh chek dEiuh dk nkSjkus cgl vihy esa of.kZr rF;ksa dks nksgjkrs gq, ;g rdZ jgk gS fd mDr okgu ds pkyd }kjk fcuk dksbZ lqj{kk mik; fd;s gq, okgu dks vlqjf{kr LFkku ij rhu fnu ds fy, NksM fn;k FkkA foi{kh chek dEiuh }kjk fu;qDr losZ;j us <kcs okys vuks[kh gV ds ekfyd ds c;ku fy;sA okgu pkyd }kjk dh xbZ xyrh dh tkudkjh okgu ds Lokeh dks FkhA ifjoknh i{k }kjk izLrqr U;kf;d n`"Vkar ^^cPpwflag cuke us'kuy ba';ksjsal d0 fy0 ,oa vU;^^ fu.kZ; fn0 28-02-2020 ,oa xq:f'kUnj okys U;kf;d n`"Vkar ls ifjoknh i{k dks dksbZ lgk;rk feyuk ugha ik;k tkrk gSA viuh cgl essa ;g Hkh rdZ fn;k fd izFke lwpuk fjikksVZ ntZ djkus esa ,d ekg dk foyEc jgk gSA chek dEiuh }kjk fu;qDr losZ;j dh fjiksVZ ds vuqlkj mDr okgu pksjh gksuk ugha ik;k x;k cfYd 4 jktLFkku] jkT; miHkksDrk vk;ksx] t;iqj vihy la[;k& 195@2025 ,oa 226@2025 ?kVuk ds lkr&vkB ekg ckn fn0 05-03-2022 dks okgu pkyd jkts'k }kjk okgu dks mi;ksx esa fy;k tkuk ik;k x;kA bu lc rF;ksa ,oa lk{; dh vuns[kh djrs gq, vihyk/khu fu.kZ; ikfjr fd;k x;k gSA vr% chek dEiuh dh vihy Lohdkj djrs gq, fo}ku ftyk miHkksDrk vk;ksx }kjk ikfjr fu.kZ; vikLr fd;k tkosA 08- foi{kh chek dEiuh dh vksj ls viuh cgl ds leFkZu esa fuEu U;kf;d n`"Vkar izLrqr fd;s x;s gSa%&& On negligence (1) F.A. 331/24 (Raj SCDRC) - Chotulal VS The New India Assurance Co. Ltd. (passed after Bachhu Singh's Judgment Came) (2) IV (2011) CPJ 135 (NC) - Keshav Nathu Mhatre VS New India Assurance Co. Ltd.
(3) II (2016) CPJ 385 (NC) - Shamsur Alam VS Reliance Gen. Ins. CO. Ltd.
(4) III (2015) CPJ 128 (NC) Kailash Chandrakant Bhalerao VS ICICI Lombard General Insurance Co. Ltd.
(5) 11 (2015) CPJ 398 (NC) - Ramdhar Singh VS Universal Shampu Gen. Ins. Co. Ltd.
Compensation on account of mental agony cannot be allowed along with interest (1) F.A. 402/24 (Raj. SCDRC) United India Insurance Co. Ltd. VS Sitaram Yadav (2) F.A. 509/23 (Raj. SCDRC)-Bajaj Allianz General Insurance Co. Ltd. VS Tilakmati Jain (3) F.A. 319/24 (Raj. SCDRC) -The Oriental Insurance Co. Ltd, VS Ravi Prakash Modi 5 jktLFkku] jkT; miHkksDrk vk;ksx] t;iqj vihy la[;k& 195@2025 ,oa 226@2025 (4) F.A. 345/24 (Raj. SCDRC)-Tata AIG general Insurance Co. Ltd. VS Saheb Singh (5) III (2006) CPJ 389 (NC)-National Insurance Co. Ltd. VS l'yaresaheb Shaikh (6) 11 (2006) CPJ 339 (NC)-Oriental Insurance Co. Ltd. VS IB. Ramareddy Investigation report should be considered (1) 1 (2021) CPJ 393 (NC) - Mac Remedies Pvt. Ltd. vs The New India Assurance Co. Ltd.
(2) IV (2011) CPJ 497 (NC) - New India Assurance Co. Ltd. vs H.S. Poultry Farm (3) lv (2008) CPJ 128 (NC) - Durga Enetrprises vs Oriental Insurance Co. Ltd.
09- fo}ku vf/koDrk ifjoknh i{k dh vksj ls mijksDr rdksZ dk fojks/k djrs gq, vius }kjk izLrqr vihy esa of.kZr rF;ksa dh iqujko`fRr djrs gq, ;g rdZ fn;s gSa fd chek/kkjh ls D;k vlkok/kkuh gqbZ] ;g Li"V ugha crk;k x;k gSA okgu pksjh gkssus ij okgu dh ryk'k djus ij Hkh ugha feyus ij iqfyl Fkkuk cgjksM esa fjiksVZ ntZ djk nh xbZ FkhA vuks[kh gV gksVy ds ekfyd Hkheflag us viuk 'kiFk i= is'k fd;k gSA chek dEiuh chek Dyse [kkfjt fd;s tkus okys i= esa mYysf[kr vk/kkjksa ls ckgj ugha tk ldrhA viuh cgl esa ;g Hkh rdZ fn;k fd foi{kh chek dEiuh us izkbosV vuqla/kku vf/kdkjh }kjk vuqla/kku djk;k gS izkbosV vUos"k.k fjiksVZ dh rqyuk esa iqfyl }kjk fd;k x;k vuqla/kku vf/kd fo'oluh; gksrk gSA okgu Lokeh }kjk okgu dh lqj{kk ds fy, tks Hkh ;qfDr;qDr dne mBk;s tk ldrs Fks] og dne mBk;s x;s gSaA okgu Lokeh vius okgu pkyd ij fo'okl djrk gS vkSj fQj Hkh ;fn okgu pkyd }kjk dksbZ ykijokgh cjrh tkrh gS rks mldk okgu Lokeh@chek/kkjd ij dksbZ izfrdwy izHkko iMuk ugha ekuk tk ldrkA 10- fo}ku vf/koDrk ifjoknh i{k dh vksj ls vius rdksZ ds leFkZu esa fuEu U;kf;d n`"Vkar izLrqr fd;s gSa%&& 6 jktLFkku] jkT; miHkksDrk vk;ksx] t;iqj vihy la[;k& 195@2025 ,oa 226@2025 1- ekuuh; mPpre U;k;ky; }kjk flfoy vihy uacj 1888@2020 ^^cPpwflag cuke us'kuy ba';ksjsal dEiuh fyfeVsM ,oa vU;^^ esa ikfjr fu.kZ; fn0 28-02-2020 2- jktLFkku jkT; miHkksDrk vk;ksx] t;iqj }kjk lh-lh- uacj 73@2020 ^^eqckjd cuke U;w bf.M;k ,';ksjsal d0 fy0^^ esa ikfjr fu.kZ; fn0 15-02-2021 3- jktLFkku jkT; miHkksDrk vk;ksx] t;iqj }kjk izFke vihy uacj 156@2021^^fnus'k dqekj xqIrk cuke ,l-ch-vkbZ- tujy ba';ksjsl a d0 fy0 ,oa vU;^^ esa ikfjr fu.kZ;
fn0 16-02-2022 4- jktLFkku jkT; miHkksDrk vk;ksx] lfdZV csap Hkjriqj }kjk vihy uacj 32@2023 ^^dqej ,oa vU; cuke esXek ,p-Mh-vkbZ- tujy ba';ksjsal d0 fy0 ,oa vU;^^ esa ikfjr fu.kZ; fn0 20-11-2024 5- jktLFkku jkT; miHkksDrk vk;ksx] t;iqj }kjk vihy uacj 423@2023 ^^ln~nke gqlSu cuke ;wukbVsM bf.M;k ba';ksjsal d0 fy0 ,oa vU;^^ esa ikfjr fu.kZ; fn0 07- 03-2024 11- geus fo}ku vf/koDrk mHk; i{kdkjku }kjk cgl esa mBk;s x;s rdksZ ij euu fd;kA vk{ksfir fu.kZ; ds ifjis{; esa i=koyh ij miyC/k nLrkostkr dk /;kuiwoZd voyksdu fd;k ,oa mHk; i{kdkjku dh vksj ls izLrqr U;kf;d n`"Vkarksa dk llEeku v/;;u fd;kA 12- ;g fufoZokfnr gS fd ifjoknh us=iky }kjk okgu la[;k vkj-ts- 14 th-,y- 1051 dh dkWef'kZ;y Oghdy iSdst ikWfylh foi{kh vksfj;.Vy ba';ksjsal dEiuh ls fn0 15-10-2020 ls fn0 14-10-2021 rd dh vof/k ds fy, izhfe;e vnk djds yh gqbZ FkhA mDr chek ikWfylh esa okgu esa gksus okys uqdlku o {kfr] ftlesa okgu dk pksjh gks tkuk Hkh 'kkfey gS] fjLd doj FkhA chek ikWfylh ds vuqlkj mDr okgu dk chek/ku 29]00]000@& :i;s FkkA mDr ikWfylh dh 'krZ la[;k& ikWap esa ;g Hkh Li"V mYys[k gks j[kk Fkk fd okgu dks uqdlku o {kfr ls cpk;s tkus ds fy, chek/kkjh }kjk ;qfDr;qDr vko';d lqjf{kr dne mBk;s tkosxasA 7 jktLFkku] jkT; miHkksDrk vk;ksx] t;iqj vihy la[;k& 195@2025 ,oa 226@2025 13- gLrxr izdj.k esa foi{kh chek dEiuh dh vksj ls ifjoknh us=iky }kjk izLrqr chek nkos dks fn0 11-05-2023 ds i= }kjk fuEufyf[kr nks vk/kkjksa ij [kkfjt dj fn;k%&& 1- tkapdrkZ Jh ,e-dqekj us viuh tkap ds nkSjku ik;k gS fd mä pksjh x;k okgu ftyk jktleUn ¼jkt-½ esa yxkrkj VªkaftV ikl MWFG1017147741 fnukad 05@03@2022 VSDl buokbl uacj 612 fnukad 05-03-2022 ,oa okgu pkyd jkts'k }kjk mi;ksx esa ik;k x;k gS] tcfd okgu fnukad 02-07-2021 dks pksjh gks x;k FkkA 2- mä okgu vuks[kh nsoh gksVy] cgjksM ls pksjh gqvk crk;k x;k gS ysfdu pksjh ckys LFkku ij uk gh dksà lqj{kk xkMZ vkSj uk gh dksà lhlhVhoh QqVst ik;s x;s gSa tcfd mä okgu pksjh ds igys nks&rhu fnuksa ls ykokfjl gkyr esa ;gka [kMk gqvk Fkk] tks fd ?kksj ykijokgh ,oa lansg çdV djrk gS rFkk chfer }kjk çLrqr rF; larqf"Viw.kZ ugÈ gSA 14- loZizFke ge foi{kh chek dEiuh dh vksj ls izLrqr dh xbZ vihy ds lac/ak esa ns[ksa rks chek dEiuh dh vksj ls izLrqr vihy esa dbZ lkjh vkifRr mBk;h xbZ gSa vFkkZr vihy izLrqr djus ds dbZ lkjs vk/kkj fy;s x;s gSA muesas izFke vk/kkj ;g fy;k x;k gS fd chfer okgu dks rhu fnu rd vlqjf{kr LFkku ij [kMk dj fn;k] tgkWa lh-lh-Vh-oh- dSejs o lqj{kk xkMZ dh dksbZ O;oLFkk ugha FkhA f}rh; vk/kkj ;g fy;k x;k gS fd mDr okgu okLrfodrk esa pksjh gh ugha gqvk Fkk D;ksfa d ftl fnu okgu pksjh gksuk crk;k x;k gS mlds ikWp&lkr ekg ckn gh mDr okgu jktlean ftys esa okgu pkyd jkts'k }kjk eksjoh ¼xqtjkr½ ds vkns'kkuqlkj mi;ksx esa fy;k tk jgk FkkA foi{kh chek dEiuh dh vksj ls vihy esa vU; tks vk/kkj fy;s x;s gSa muesa izFke lwpuk fjiksVZ foyEc ls ntZ djk;k tkuk rFkk jk"Vªh; vijk/k C;wjks dh fjiksVZ fn0 12-07-2022 ds vuqlkj mDr okgu lafnX/k fLFkfr esa gksuk] vko';d i{kdkj Jhjke VªkaliksVZ dEiuh dks i{kdkj ugha cukuk ,oa ifjoknh }kjk diViwoZd ,oa feF;k rF;ksa ds vk/kkj ij ifjokn izLrqr djuk crk;k x;k gSA 15- foi{kh chek dEiuh dh vksj ls izFke vifRr fd vlqjf{kr LFkku ij chfer okgu dks [kMk dj fn;k] ftlls chfer okgu pksjh gks x;kA blds laca/k chek dEiuh dh vksj ls ekuuh; jk"Vªh; miHkksDrk fookn izfrrks"k vk;ksx] ubZ fnYyh ds 8 jktLFkku] jkT; miHkksDrk vk;ksx] t;iqj vihy la[;k& 195@2025 ,oa 226@2025 ,oa blh jkT; miHkksDrk vk;ksx dh lihB ds U;kf;d n`"Vkar is'k fd;s x;s gS] ftudk llEeku v/;;u fd;kA tgkWa rd ekuuh; jk"Vªh; miHkksDrk fookn izfrrks"k vk;ksx] ubZ fnYyh ds U;kf;d n`"Vkarksa dk iz'u gS rks ;g lHkh U;kf;d n`"Vkar o"kZ 2016 rd dh vof/k ds gSa tcfd mlds ckn ekuuh; mPpre U;k;ky; }kjk U;kf;d n`"Vkar ^^cPpwflag cuke us'kuy ba';ksjsl a dEiuh fyfeVsM ,oa vU;^^ fu.kZ; fn0 28- 02-2020 ds iSjk la[;k& lkr esa fuEu izdkj ls vfHkfu/kkZfjr fd;k x;k gS%&& ''7. When clause 5 is analyzed carefully, it means that the owner i.e. the insured to take reasonable steps to safeguard the vehicle from the loss or damage meaning thereby that he should take adequate measures to protect the vehicle. An owner is not expected to travel with the vehicle to safeguard the same. When the owner entrusts the vehicle to a driver, it is expected that the driver will ensure that the vehicle is safe. If there is breach by the driver that cannot visit the owner with the adverse consequences because the owner had taken all reasonable precautions. In case, an Insurance Company relies upon an exception clause the burden is on the Insurance Company to show that the owner/insured had willfully breached the terms of the policy. That has not been done.'' 16- vr% ekuuh; mPpre U;k;ky; ds mDr U;kf;d n`"Vkar ^^cPpwflag cuke us'kuy ba';ksjsal d0 fy0^^ ds vuqlkj ekuuh; jk"Vªh; miHkksDrk fookn izfrrks"k vk;ksx] ubZ fnYyh ds U;kf;d n`"Vkarksa ls chek dEiuh dks dksbZ lg;rk feyuk ugha ik;h tkrh gSA tgkWa rd blh jkT; vk;ksx ds lihB }kjk vihy la[;k 331@2014 ^^NksVwyky cuke nh U;w bf.M;k ,';ksjsal d0 fy0^^ esa ikfjr fu.kZ; fn0 26-03-2025 tks fd foi{kh chek dEiuh }kjk is'k fd;k x;k gS] dk iz'u gS rks bl U;kf;d n`"Vkar ds ikfjr gksus ds le; nkSjkus cgl ekuuh; mPpre U;k;ky; ds mDr U;kf;d n`"Vkar ^^cPpwflag cuke us'kuy ba';ksjsal d0 fy0^^ dh vksj fdlh Hkh i{kdkj ,oa lihB dk /;ku vkdf"kZr ugha gqvk gSA blfy, bl vk;ksx dh lihB }kjk vihy la[;k 331@2024 esa ikfjr fu.kZ; fn0 26-03-2025 ls Hkh foi{kh chek dEiuh dks dksbZ lgk;rk feyuk ugha ik;h tkrh gSA 9 jktLFkku] jkT; miHkksDrk vk;ksx] t;iqj vihy la[;k& 195@2025 ,oa 226@2025 17- nksuksa i{kksa }kjk izLrqr lk{; ls ;g rks Li"V gS fd okgu pkyd okgu dks nks&rhu fnu fcuk fdlh lqj{kk xkMZ NksMdj ds t;iqj vk x;k Fkk fdUrq ;g Hkh fLFkfr lkeus vk;h gS fd mDr okgu [kqys esa ugha NksMk x;k cfYd vuks[kh gV gksVy ds lkeus [kMk djds ykWd djds vk;k FkkA ;g vko';d ugha gS fd izR;sd LFkku ij lh-lh-Vh-oh- dSejs miyC/k gksAa Lo;a okgu pkyd dk o mlds ifjokj ds lnL; dk LokLF; [kjkc gksus ls mls vpkud t;iqj tkuk iMk] ml le; tSlk mlls gks ldk] mlh ds vuqlkj mlus lko/kkuh cjrrs gq, okgu dks vuks[kh gV gksVy ds lkeus [kMk fd;k FkkA chek dEiuh }kjk fu;qDr losZ;j dh ,slh dksbZ fjiksVZ ugha vk;h gS fd okgu pkyd us pkch dks okgu esa gh NksM fn;k gksA vr% ge ;g ekurs gSa fd okgu pkyd }kjk bruh vlko/kkuh ugha cjrh xbZ] ftruh fd va'knk;h mis{kk ekurs gq, ukWu LVS.MMZ vk/kkj ij {kfriwfrZ dh jkf'k de dh tkosA blds vfrfjDr ;fn ;g eku Hkh fy;k tkos fd okgu pkyd }kjk okgu dks lqjf{kr LFkku ij [kMk djus esa FkksMh&cgqr ykijokgh Hkh cjrh xbZ gS rks cPpw flag cuke us'kuy ba';ksjsal d0 fy0 okys mijksDr U;kf;d n`"Vkar esa ekuuh; mPpre U;k;ky; }kjk tks vo/kkj.kk yh xbZ gS] mlds vuqlkj okgu Lokeh dh vlok/kkuh ugha ekuh tk ldrh vkSj uk gh pkyd dh vlko/kkuh ds fy, mls mRrjk;h Bgjk;k tk ldrk gSA 18- ;g gS fd foi{kh chek dEiuh dh vksj ls izLrqr vihy esa vU; tks vk/kkj fy;s x;s gSas muesa eq[; vk/kkj ;g fy;k x;k gS fd mDr chfer okgu fn0 02-07- 2021 dks pksjh gksuk crk;k gS tcfd mDr okgu fn0 05-03-2022 dks okgu pkyd jkts'k }kjk jktleUn ftys esa pyrk gqvk ik;k x;k vFkkZr okgu pksjh gksus dh lwpuk gh xyr Fkh] okgu pksjh gh ugha gqvkA bl vkifRr ds laca/k esa ge i=koyh dk voyksdu djsa rks ;g vkifRr pwWafd foi{kh chek dEiuh dh vksj ls mBk;h xbZ Fkh vkSj chek dEiuh dks gh ;g lkfcr djuk Fkk fd mDr okgu dk pkyd pksjh dh crk;h xbZ fn0 02-07-2021 ds ckn fn0 05-03-2022 dks jktleaUn ftys esa okgu dk mi;ksx djrs gq, ik;k x;kA foi{kh chek dEiuh dh vksj ls bl lac/a k esa dqN nLrkost vo'; is'k fd;s x;s gSa fdUrq mDr lk{; dks lkfcr fd;s tkus ds fy, fdlh Hkh xokg dk 'kiFk i= is'k ugha fd;k x;k gS tcfd ifjoknh i{k }kjk ;g vkifRr yh xbZ gS fd okgu la[;k vkj-ts-14 th-,y- 1051 ugha FkkA okLro esa mDr 10 jktLFkku] jkT; miHkksDrk vk;ksx] t;iqj vihy la[;k& 195@2025 ,oa 226@2025 okgu la[;k vkj-ts-14 th-bZ-1051 Fkk vkSj okgu la[;k vkj-ts-14th-bZ-1051 okys okgu ds Lokeh ls chek dEiuh us dksbZ tkudkjh ugha yh vkSj uk gh mldk 'kiFk i= is'k fd;k x;k gSA ,slh fLFkfr esa ge ;g ikrs gSa fd chek dEiuh dks iz;kl djds ;g lkfcr djuk Fkk fd fn0 05-03-2022 dks okgu la[;k vkj-ts-14 th-bZ- 1051 ugha Fkk cfYd chfer okgu gh Fkk vkSj ;g lkfcr djuk Fkk fd mDr okgu la[;k vkj-ts-14 th-bZ- 1051 ml fnu ogkWa ugha py jgk Fkk cfYd chfer okgu gh py jgk FkkA vr% lk{; ls ge ;g ikrs gaSa fd chek dEiuh ;g lkfcr ugha dj ik;h gS fd chfer okgu dks mldk pkyd fn0 05-03-2022 dks jktleUn ftys esa pykrk gqvk ik;k x;kA tgkW rd chek dEiuh }kjk izLrqr losZ;j fjiksVZ dk iz'u gS rks mDr fjiksVZ] iqfyl vuqla/kku vf/kdkjh dh fjiksVZ dh rqyuk esa vf/kd fo'oluh; ugha ekuh tk ldrhA Lo;a vuqla/kku vf/kdkjh us izdj.k esa okgu dks pksjh gksuk lkfcr ekuk gS vkSj vne irk eky eqyfte esa vafre fjiksVZ is'k dh] ftls lacfa /kr U;k;ky; }kjk Lohdkj Hkh fd;k x;k vkSj ;g dgk x;k fd pksjh gq, eky dh irkjlh tkjh j[kh tkosA ;fn mDr pksjh x;s okgu dks jktlean ftys esa pyrk gqvk ik;k tkrk rks lacfa /kr chek dEiuh vo'; gh bl laca/k esa iqfyl dk lg;ksx djrh vkSj mDr okgu dks tCr djokrh] fdUrq ,slk dksbZ iz;kl foi{kh chek dEiuh dh vksj ls fd;k tkuk ugha ik;k tkrk gSA 19- vr% foi{kh chek dEiuh }kjk fn0 11-05-2023 ds i= ds ek/;e ls ifjoknh dk chek nkok [kkfjt fd;k x;k vkSj tks nksuksa vk/kkj fy;s x;s] os nksuksa gh vk/kkj mijksDr foospu ds vuqlkj mi;qDr ,oa U;klaxr ugha gSa vkSj ge ;g ikrs gSa fd mDr nksuska vk/kkjkasa ij chek dEiuh }kjk ifjoknh dk chek nkok [kkfjt ugha fd;k tkuk pkfg,A 20- foi{kh chek dEiuh dh vksj ls ifjoknh dk chek nkok [kkfjt djus ds vU; tks vk/kkj fy;s x;s gSa os chek ikWfylh dh 'krksZ ls lacaf/kr ugha gSa cfYd fof/kd vk/kkj gSa] ftUgsa fdlh Hkh izdze ij mBk;k tk ldrk gS] ftuesa izFke vk/kkj izFke lwpuk fjiksVZ foyEc ls ntZ djkus ds laca/k esa gSA ;g lgh gS fd gLrxr izdj.k esa yxHkx ,d ekg ds foyEc ls iqfyl Fkkuk cgjksM esa izFke lwpuk fjiksVZ ntZ djk;h xbZ gSA vuks[kh gV gksVy ds Lokeh Hkheflag ;kno us iqfyl daVªksy :e dks 100 uacj ij lwpuk nsuk dgk gS] fdUrq ,slh dksbZ izys[kh; lk{; is'k ugha gqbZ gS] 11 jktLFkku] jkT; miHkksDrk vk;ksx] t;iqj vihy la[;k& 195@2025 ,oa 226@2025 ek= Hkheflag ds 'kiFk i= ds vk/kkj ij ;g ugha dgk tk ldrk fd mlus iqfyl daVªksy :e dks lwpuk nh vkSj ;fn ;g eku Hkh ysa fd mlus iqfyl dks 100 uacj ij lwpuk ns nh Fkh rc Hkh okgu Lokeh@ekfyd dk ;g nkf;Ro curk Fkk fd og vfoyEc iqfyl Fkkuk cgjksM esa izFke lwpuk fjiksVZ ntZ djkrk] tks mlus ntZ ugha djk;h gS vkSj foyEc dk dkj.k Hkh izFke lwpuk fjiksVZ esa ugha fy[kk x;k gS fdUrq gLrxr izdj.k esa ge ;g ikrs gSa fd ?kVuk dh tkudkjh ifjoknh i{k dh vksj ls foi{kh chek dEiuh dks fn0 05-07-2021 dks vFkkZr ?kVuk ls rhu&pkj fnu ckn gh ns nh xbZ Fkh vkSj chek dEiuh }kjk losZ;j Hkh fu;qDr dj fn;k x;k FkkA fn0 05-07-2021 dks chek dEiuh dks tkudkjh fn;s tkus dk mYys[k losZ;j dh fjiksVZ esa vk j[kk gS] tks fdlh Hkh rjg ls vfo'luh; ugha dgk tk ldrkA 21- izFke lwpuk fjiksVZ ;k chek dEiuh dks lwpuk fn;k tkuk] nksuksa gh esa ls fdlh dks Hkh lwpuk vfoyEc le; ij ns tkrh gS rks ;g eku fy;k tkrk gS fd ifjoknh i{k us vius nkf;Ro dk fuoZgu dj fn;k gS vkSj lacaf/kr ekeys esa tkWp ,tsl a h dks dk;Zokgh djus dh le; ij lwpuk ns nh vFkkZr ifjoknh i{k dks dksbZ rF; fNikus dk volj gh ugha feyk gSA ,slh fLFkfr esa tgkWa chek dEiuh dks le; ij lwpuk ns nh gS vkSj izFke lwpuk fjiksVZ foyEc ls ntZ djk;h gS rks bldk dksbZ fo'ks"k izHkko iMuk ugha ekuk tk ldrkA 22- chek dEiuh dh vksj ls izFke lwpuk fjiksVZ nsjh ls ntZ djkus ds lac/a k esa ,oa QkbZusal dEiuh dks i{kdkj ugha cuk;s tkus ds laca/k esa tks vkifRr yh gS ] muds lc/ak esa ;g fof/kd fLFkfr Li"V gS fd ftu dkj.kksa ds vk/kkj ij chek dEiuh }kjk chfer dk Dyse vLohdkj fd;k tkrk gS mUgha vk/kkjksa ij chek dEiuh viuk cpko ys ldrh gSA fof/kd vkifRr;ksa ds vfrfjDr vU; u;s vk/kkj cpko esa fy;k tkuk chek dEiuh ds fy, U;k;laxr ugha gSA foi{kh chek dEiuh dh vksj ls i= fn0 11- 05-2023 izn'kZ ,u-,- 08 ds vk/kkj ij ifjoknh us=iky dk chek nkok [kkfjt fd;s tkus ds nks vk/kkj crk;s gSa] muesa izFke vk/kkj ;g gS fd tkWpdrkZ Jh ,e0 dqekj us ;g ik;k gS fd pksjh x;k okgu ftyk jktleUn esa yxkrkj VªkaftV ikl fn0 05-03-2022 dks okgu pkyd jkts'k }kjk mi;ksx esa ysrk gqvk ik;k x;k tcfd mDr okgu fn0 02-07-2021 dks pksjh gks tkuk crk;k x;k gSA chek nkok [kkfjt djus dk nwljk vk/kkj ;g fy;k gS fd okgu vuks[kh gV gksVy] cgjksM ls pksjh gksuk 12 jktLFkku] jkT; miHkksDrk vk;ksx] t;iqj vihy la[;k& 195@2025 ,oa 226@2025 crk;k gS ijUrq mDr LFkku ij lqj{kk xkMZ ,oa lh-lh-Vh-oh- QqVt s ugha gSa cfYd okgu dks ykokfjl gkyr esa NksM fn;k Fkk] tks ?kksj ykijokgh dks izdV djrk gSA 23- ;g gS fd foi{kh chek dEiuh }kjk fn0 11-05-2023 ds i= ds vuqlkj mDr of.kZr ek= nksuksa vk/kkjksa ij ifjoknh dk chek nkok [kkfjt fd;k x;k gSA vr% chek dEiuh bu nksuksa vk/kkjksa ij gh viuk cpko ys ldrh gSa] tgkWa rd okgu dks vlqjf{kr ykokfjl gkyr esa nks&rhu fnu NksMs tkus dk iz'u gS rks bl ckcr gekjs }kjk Åij foospu fd;k tk pqdk gS vkSj ;g ik;k x;k gS fd izFker;k rks okgu vlqjf{kr gkyr esa NksMk ugha x;k Fkk fQj Hkh cgl ds rkSj ij ;g ekuss rc Hkh ekuuh; mPpre U;k;ky; ds U;kf;d n`"Vkar ^^cPpwflag cuke us'kuy ba';ksjasl d0 fy0^^ esa ikfjr fu.kZ; fn0 28-02-2020 ds vuqlkj chek/kkjh@okgu Lokeh dks vius okgu pkyd }kjk cjrh xbZ vlko/kkuh o vlqj{kk ds fy, ftEesnkj ugha Bgjk;k tk ldrkA vr% bl vk/kkj ij ge ;g ikrs gSa fd chek dEiuh dks ifjoknh ds chek nkos dks [kkfjt ugha djuk pkfg, Fkk vkSj ifjoknh] foi{kh chek dEiuh ls mlds okgu dh gqbZ pksjh ds isVs chek/ku jkf'k 29]00]000@& :i;s izkIr djus dk vf/kdkjh gSA vr% ifjoknh }kjk izLrqr vihy vkaf'kd :i ls Lohdkj fd;s tkus ;ksX; ik;h tkrh gSA 24- ifjoknh us=iky dh vksj ls izLrqr vihy lEiw.kZ vuqrks"k fn;s tkus ds laaca/k esa gSa vFkkZr Enhancement ds fy, dh xbZ gSA ifjoknh us=iky dk vihy esa eq[; :i ls ;g dguk jgk gS fd fo}ku ftyk miHkksDrk vk;ksx t;iqj izFke] t;iqj }kjk vk{ksfir fu.kZ; fn0 26-03-2025 ds }kjk chek/ku jkf'k 29]00]000@& :i;s dh 85 izfr'kr jkf'k gh fnyk;h xbZ gS] 'ks"k 15 izfr'kr jkf'k D;ksa ugha fnyk;h xbZ] bldk dksbZ dkj.k vk{ksfir fu.kZ; essa ugha fy[kk gSA 25- gekjs }kjk vk{ksfir fu.kZ; dk voyksdu fd;k x;kA ;g lgh gS fd fo}ku ftyk miHkksDrk vk;ksx }kjk ifjoknh dks chfer okgu dh vkbZ-Mh-oh- esa ls 15 izfr'kr jkf'k de djds fnyk;h gS ysfdu ;g 15 izfr'kr jkf'k fdl v/kkj ij de dh xbZ gS] bldk dksbZ dkj.k vk{ksfir fu.kZ; esa ugha fy[kk gSA ek= bruk lk fy[kk gS fd ifjoknh us foi{kh chek dEiuh dks nsjh ls lwpuk nh gSA nsjh ls lwpuk nsus ds dkj.k chek Dyse dh lEiw.kZ jkf'k ugha fnyk;h xbZ gS vFkkZr chek dEiuh dks nsjh ls nh xbZ lwpuk ds vk/kkj ij 15 izfr'kr jkf'k dh dVkSrh fd;k tkuk izrhr 13 jktLFkku] jkT; miHkksDrk vk;ksx] t;iqj vihy la[;k& 195@2025 ,oa 226@2025 gksrk gSA gLrxr izdj.k dks ns[ksa rks ifjoknh }kjk foi{kh chek dEiuh dks ek= rhu fnu ds foyEc ls lwpuk fn;k tkuk ik;k tkrk gS] tks izdj.k ds rF;kssa vkSj ifjfLFkfr;ksa dks ns[krs gq, larks"ktud yxrk gSA ,d&nks fnu okgu dks ryk'k djus esa yxrs gSa] ;gkWa os ifjfLFkfr;kWa ugha gSa fd ifjoknh i{k fdlh lcwr dks [kRe dj ldrk gS tSls vkxtuh dh ?kVuk gks tkos vkSj tys gq, okgu o eky dh ek=k esa cnyko gks tkosxk] ,slk izdj.k ;g ugha gSA ;gkWa rks okgu pksjh dk iz'u gS] lkekU;r% pksjh okys ekeys esa okgu dks ryk'kus esa ,d&nks fnu yx tkrs gSaA gekjs fopkj ls foi{kh chek dEiuh }kjk okgu dh chfer jkf'k esa ls 15 izfr'kr jkf'k dh dVkSrh ugha dh tkuh pkfg,A 26- fo}ku vf/koDrk foi{kh chek dEiuh dh vksj ls ekufld larki dh jkf'k C;kt lfgr ugha fnyk;s tkus ds laca/k esa muds }kjk N% U;kf;d n`"Vkar is'k fd;s x;s gSa] ftudk gekjs }kjk v/;;u fd;k x;kA gLrxr izdj.k esa ftl vk{ksfir fu.kZ; dks pqukSrh nh xbZ gS mlesa 'kkjhfjd] ekufld {kfriwfrZ crkSj 80]000@& :i;s 45 fnu esa ifjoknh dks fn;s tkus ds vkns'k fn;s x;s gSa vFkkZr ekufld larki okyh jkf'k ij dksbZ C;kt ugha fnyk;k x;k gS blfy, mDr U;kf;d n`"Vkar tks is'k fd;s x;s gSa muls chek dEiuh dks ek= bl lhek rd gh lgk;rk fey ldrh gS fd tgkWa {kfriwfrZ jkf'k C;kt lfgr fnyk nh xbZ gS rks fQj ekufld larki isVs {kfr fnyk;s tkus dk dksbZ vkSfpR; ugha FkkA bl laca/k esa ge chek dEiuh ds bu rdksZ ls lger gSa fd tgkWa {kfriwfrZ jkf'k ij 09 izfr'kr C;kt nsus dk vkns'k fn;k gS rks fQj ekufld {kfriwfrZ isVs 80]000@& :i;s vyx ls fnyk;k tkuk vko';d ugha gSA tSlkfd bl vk;ksx }kjk vihy la[;k 402@2024] 509@2023 ,oa 319@2024 esa ;g vfHkfu/kkZfjr fd;k x;k gSA bruk gh ugha ekuuh; mPpre U;k;ky; }kjk DLF Home iapdqyk] izk0 fy0 cuke D.S. Dhanda flfoy vihy uacj 4910&4941@2019 fu.kZ; fn0 10-05-2019 esa ;g vfHkfu/kkZfjr fd;k gqvk gS fd ,d gh okndkj.k ds fy, i`Fkd&i`Fkd {kfriwfrZ ugha fnyk;h tkuh pkfg,A tgkWa C;kt ds :i esa {kfriwfrZ fnyk nh gS rks mlh okndkj.k gsrq ijs'kkuh o ekufld larki dh {kfriwfrZ isVs i`Fkd ls jkf'k fnyk;k tkuk vko';d ugha gSA vr% gLrxr ekeys esa ekufld ,oa 'kkjhfjd {kfriwfrZ isVs 80]000@& :i;s tks fnyk;s x;s gSa] og mfpr 14 jktLFkku] jkT; miHkksDrk vk;ksx] t;iqj vihy la[;k& 195@2025 ,oa 226@2025 n`f"Vxr ugha gksus ls chek dEiuh }kjk izLrqr vihy vkaf'kd :i ls Lohdkj fd;s tkus ;ksX; ik;h tkrh gSA 27- ifj.kker% foi{kh chek dEiuh }kjk izLrqr vihy la[;k 195@2025 fn vksfj;.Vy ba';ksjsal d0 fy0 cuke us=iky vkaf'kd :i ls o ifjoknh us=iky }kjk izLrqr vihy la[;k 226@2025 us=iky cuke vksfj;.Vy ba';ksjsl a d0 fy0 vkaf'kd :i ls Lohdkj djrs gq, fo}ku ftyk miHkksDrk fookn izfrrks"k vk;ksx] t;iqj izFke] t;iqj }kjk ifjokn la0 317@2023 ^^us=iky cuke vksfj;.Vy bU';ksjsal dEiuh fyfeVsM^^ esa ikfjr fu.kZ; fn0 26-03-2025 dks la'kksf/kr djrs gq, ;g vkns'k fn;k tkuk mfpr gksxk fd foi{kh chek dEiuh] ifjoknh dks mlds chfer okgu esa gq, uqdlku isVs {kfriwfrZ jkf'k 29]00]000@& :i;s rFkk mDr jkf'k ij chek nkok [kkfjt djus dh fn0 11-05-2023 ls rkvnk;xh 09 izfr'kr okf"kZd dh nj ls C;kt nks ekg dh vof/k esa vnk djsa rFkk foi{kh chek dEiuh] ifjoknh dks ifjokn O;; isVs 20]000@& :i;s Hkh vnk djsAa vkns'k 28- ifj.kker% foi{kh chek dEiuh }kjk izLrqr vihy la[;k 195@2025 fn vksfj;.Vy ba';ksjsal d0 fy0 cuke us=iky ,oa ifjoknh us=iky }kjk izLrqr vihy la[;k 226@2025 us=iky cuke vksfj;.Vy ba';ksjsal d0 fy0 vkaf'kd :i ls Lohdkj djrs gq, fo}ku ftyk miHkksDrk fookn izfrrks"k vk;ksx] t;iqj izFke] t;iqj }kjk ifjokn la0 317@2023 ^^us=iky cuke vksfj;.Vy bU';ksjsal dEiuh fyfeVsM^^ esa ikfjr fu.kZ; fn0 26-03-2025 dks la'kksf/kr dj ;g vkns'k fn;k tkrk gS fd foi{kh chek dEiuh fn vksfj;.Vy ba';ksjsl a d0 fy0] ifjoknh us=iky dks mlds chfer okgu esa gq, uqdlku isVs {kfriwfrZ jkf'k 29]00]000@& :i;s v{kjs murhl yk[k :i;s rFkk mDr jkf'k ij chek nkok [kkfjt djus dh fn0 11-05-2023 ls rkvnk;xh 09 izfr'kr okf"kZd dh nj ls nks ekg dh vof/k esa C;kt lfgr vnk djsa rFkk foi{kh chek dEiuh] ifjoknh dks ifjokn O;; isVs 20]000@& :i;s Hkh nks ekg dh vof/k esa vnk djsAa 15 jktLFkku] jkT; miHkksDrk vk;ksx] t;iqj vihy la[;k& 195@2025 ,oa 226@2025 fu.kZ; dh ,d izfr ds lkFk fo}ku ftyk miHkksDrk vk;ksx dk vfHky[sk vfoyEc okfil fHktok;k tkosA uksV%& iz'uxr ekeys esa i{kdkjku dh vksj ls vafre cgl ds i'pkr i=koyh fu.kZ; gsrq lqjf{kr j[kh xbZA vk;ksx ds U;kf;d lnL; ,oa vU; lnL; dh fofHkUu eq[;ky;ksa ij lquok;h gsrq cSBd gksus ds dkj.k vk;ksx }kjk fu/kkZfjr le; lhek ,d ekg esa fu.kZ; ugha fy[kk;k tk ldk ,oa fu.kZ; fy[kk;s tkus esa fu/kkZfjr ,d ekg ls vf/kd dk le; yxkA ¼ d:.kk tSu ½ ¼ lqjsUnz flag ½ ¼ mfeZyk oekZ ½ lnL; lnL; ¼U;kf;d½ lnL; ¼U;kf;d½ lksyadh 16