State Consumer Disputes Redressal Commission
Divisional Manager, The Oriental ... vs Smt. Vandana Uike on 12 May, 2023
Appeal No. D.M., The Oriental Insurance Co. Ltd. Order Pronounced FA/2021/166 Vs. On- 12.05.2023 Smt. Vandana Uike NRrhlx<+ jkT;
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vafre rdZ esa mifLFkr& vihykFkhZ dh vksj ls Jh Mh- ,y- nsokaxu] vf/koDrkA mRrjokfnuh dh vksj ls Jh vfHk'ksd flag] vf/koDrkA vkns'k ¼ }kjk& izeksn dqekj oekZ] lnL; ½ vihykFkhZ@fo:) i{kdkj uss ;g vihy /kkjk&41 miHkksDrk laj{k.k vf/kfu;e] 2019 ds varxZr ftyk miHkksDrk fookn izfrrks"k vk;ksx] fcykliqj ¼N-x½ ¼ftls vkxs laf{kIr esa **lacfa /kr ftyk vk;ksx** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&lhlh@2019@412 esa ikfjr vkns"k fnukad&03-11-2021 ftlds }kjk mRrjokfnuh@ifjokfnuh ds ifjokn dks Lohdkj djrs gq, ;g vknsf"kr fd;k x;k gS fd **fo:) i{kdkj chek daiuh vkns"k frfFk ds 45 fnu dh vof/k ds Hkhrj ifjokfnuh dks losZ;j fjiksVZ esa vkadh xbZ {kfr jkf"k Dismissed Page 1 of 9 Appeal No. D.M., The Oriental Insurance Co. Ltd. Order Pronounced FA/2021/166 Vs. On- 12.05.2023 Smt. Vandana Uike 1]97]000@&¼,d yk[k larkucs gtkj :Ik;s½ ,oa mDr jde ij ifjokn izLrqfr fnukad ls vnk;xh fnukad rd 06 izfr"kr okf'kZd dh nj ls lk/kkj.k C;kt rFkk ekufld {kfr gsrq 5]000@&¼ikap gtkj :Ik;s½ ,oa ifjokn O;; gsrq 3]000@&¼rhu gtkj :Ik;s½ iznku djsxk**] ls {kqC/k gksdj izLrqr fd;k gSA 02- lacfa /kr ftyk vk;ksx ds le{k mRrjokfnuh@ifjokfnuh dk ifjokn laf{kIr esa bl izdkj jgk gS fd mRrjokfnuh@ifjokfnuh us vius vLirky oanuk efYV Lis"kfyVh vLirky ds lapkyu esa lg;ksx rFkk chekj O;fDr;ksa ds vkus&tkus gsrq mlds LokfeRo dh ek:fr ,acqysal dkj ftldk jftLVªs"ku uacj&lh-th- 10 ,Q,@9750 dk mi;ksx fd;k tkrk gSA fnukad&18-08-2019 dks mDr ,acqyl sa vLirky ds ejht dks NksM+dj fcykliqj vk jgh Fkh rc jkf= 9%00 cts xzke NrkSuk ds ikl ukys ij fufeZr iqy ls xqtjrs le; iqy esa fLFkr ,d cM+s x<~<s esa xkM+h dk ifg;k Qal tkus ls iyVdj iw.kZ :Ik ls {kfrxzLr gks xbZA mDr ,acqysal vihykFkhZ@fo:) i{kdkj laLFkku ls chfer Fkh blfy, nq?kZVuk dh lwpuk rRdky chek daiuh dks nh xbZ vkSj ,acqysal dks esllZ lR;k lfoZl lsaVj esa fnukad&21-08-2019 dks fjis;fjax gsrq fn;k x;k rFkk fjis;fjax esa gksus okys [kpZ 5]13]532@&¼ikap yk[k rsjg gtkj ikap lkS cRrhl :Ik;s½ dk ,LVhesV lfgr C;kSjk nLrkostksa ds lkFk chek daiuh dks fn;k x;k] fdarq chek daiuh }kjk mDr ,acqysal dk thfor iath;u gksus ds ckn Hkh mRrjokfnuh@ifjokfnuh dk nkok vius i= fnukad&10-10-2019 }kjk okgu pkyd }kjk ykijokgh ls okgu pkyu fd, tkus ls nq?kZVuk gksuk dfFkr djrs gq, fujLr dj fn;k x;k tks fd chek "krksZa ds mYya?ku dks n"kkZrk gSA mRrjokfnuh@ifjokfnuh }kjk vius vf/koDrk ds ek/;e ls vihykFkhZ@fo:) i{kdkj dks fof/kd uksfVl izsf'kr dh xbZ ftldk tokc fnukad&14-11-2019 dks izsf'kr fd;k x;k vkSj ;g mYysf[kr fd;k x;k fd okgu pkyd ds ikl oS/k ,oa Dismissed Page 2 of 9 Appeal No. D.M., The Oriental Insurance Co. Ltd. Order Pronounced FA/2021/166 Vs. On- 12.05.2023 Smt. Vandana Uike izHkko"khy vuqKfIr ugha gS rFkk ?kVuk fnukad dks okgu dk fQVusl lfVZfQdsV ugha gS] tcfd vihykFkhZ@fo:) i{kdkj }kjk mDr vk/kkj vius i= fnukad&10-10-2019 esa ugha fd;k x;k FkkA bl izdkj vihykFkhZ@fo:) i{kdkj }kjk mRrjokfnuh@ifjokfnuh ds nkos dks xyr vk/kkjksa ij fujLr dj lsok esa deh dh xbZ gS ftlds dkj.k mRrjokfnuh@ifjokfnuh us lacaf/kr ftyk vk;ksx ds le{k ifjokn izLrqr dj okgu ejEer esa fd, x, [kpZ 5]13]532@&¼ikap yk[k rsjg gtkj ikap lkS cRrhl :Ik;s½ ,oa 1]00]000@&¼,d yk[k :Ik;s½ ekufld osnuk ,oa ijs"kkuh gsrq rFkk okn O;; fnyk;s tkus dk fuosnu dh Fkh ftls lacaf/kr ftyk vk;ksx }kjk vkaf"kd :Ik ls Lohdkj djrs gq, Åij dafMdk&1 esa of.kZr vuqlkj vuqrks'k iznku fd;k gS ftlds fo:) ;g vihy gSA 03- lacfa /kr ftyk vk;ksx ds le{k vihykFkhZ@fo:) i{kdkj us fyf[kr dFku izLrqr dj ;g cpko fy;k gS fd okgu dzekad&lhth 10 ,Q, 9750 dk iath;u ,acqysal okgu ds :Ik esa mRrjokfnuh@ifjokfnuh }kjk djk;k x;k Fkk rFkk mDr okgu dk chek mRrjokfnuh@ifjokfnuh ds fuosnu ij vihykFkhZ@fo:) i{kdkj chek daiuh }kjk ikWfylh dzekad& 193300@31@2020@2954 ds ek/;e ls fnukad&01-07-2019 ls 30-06-2020 rd ds fy, fofo/k okgu oxZ&Mh dk ,acqysl a okgu gsrq chek ikWfylh esa fufgr fu;e ,oa "krksZa rFkk eksVj ;ku vf/kfu;e ds fu;eksa ds rgr tkjh dh xbZ Fkh ftlds vuqlkj chfer okgu dk mi;ksx okgu Lokeh }kjk chek ikWfylh esa fufgr fu;e ,oa "krksZa rFkk eksVj ;ku vf/kfu;e ds ifjikyu esa pkyu fd;k tkuk Fkk] fdarq ?kVuk fnukad dks okgu dk ifjpkyu fcuk oS/k ,oa izHkkoh vuqKfIr/kkjh pkyd }kjk fcuk oS/k fQVusl ds fd;k tk jgk Fkk tks fd chek ikWfylh ds fu;e ,oa "krksZa rFkk eksVj ;ku vf/kfu;e dh /kkjk&56 ds mYya?ku esa yksd LFkku ij fd;k tk jgk Fkk ftlds dkj.k mRrjokfnuh@ifjokfnuh dk nkok ns; ugha FkkA eksVj Dismissed Page 3 of 9 Appeal No. D.M., The Oriental Insurance Co. Ltd. Order Pronounced FA/2021/166 Vs. On- 12.05.2023 Smt. Vandana Uike ;ku vf/kfu;e dh /kkjk&2 ¼35½ ds vuqlkj yksd okgu dh Js.kh esa vkrh gS rFkk /kkjk&2 ¼47½ ds vuqlkj yksd okgu ifjogu ;ku dh Js.kh esa vkrh gS vkSj eksVj ;ku vf/kfu;e dh /kkjk&56 ds vuqlkj fdlh Hkh ifjogu ;ku dk ifjpkyu yksd LFkku ij fcuk oS/k fQVusl lfVZfQdsV ds fd;k tkuk oftZr gSA mRrjokfnuh@ifjokfnuh }kjk chek nkok izLrqr djus ij chek daiuh }kjk nq?kZVuk dh lR;rk dh tkap ,oa {kfr dk vkdyu gsrq losZ;j fu;qDr fd;k x;k ftlds }kjk okgu dk losZ fd;k x;k vkSj ;g ik;k fd okgu dk fQVusl lfVZfQdsV miyC/k ugha gS ftldh ekax fd;s tkus ij mDr nLrkost miyC/k ugha djkbZ xbZA losZ;j }kjk okgu esa gqbZ {kfr dk vkdyu lkYost jkf"k dVkSrh Ik"pkr~ 1]97]000@&¼,d yk[k larkucs gtkj :Ik;s½ fd;k x;k] fdarq chek ikWfylh ds fu;e ,oa "krksZa dk mYya?ku gksus ls mDr jkf"k ns; ugha FkhA ?kVuk ds le; chfer okgu dks egs"k ejkoh }kjk pkyu fd;k tk jgk Fkk ftlds ikl oS/k ,oa izHkkoh pkyu vuqKfIr ugha Fkh rFkk egs"k flag ejkoh ds pkyu vuqKfIr dz-&lhth 10&20170008637 {ks=h; ifjogu dk;kZy; }kjk muds uke ls tkjh u dj ykyth fu'kkn ds uke ls tkjh fd;k tkuk ik;k x;kA bl izdkj mRrjokfnuh@ifjokfnuh }kjk chek ikWfylh ds fu;e ,oa "krksZa rFkk eksVj ;ku vf/kfu;e ds izko/kkuksa dk mYya?ku dj chfer okgu pyk;k tk jgk Fkk ftlds dkj.k mRrjokfnuh@ifjokfnuh dk nkok ns; ugha gksus ls mldk chek nkok fujLr dj lsok esa dksbZ deh ugha dh xbZ gSA mRrjokfnuh@ifjokfnuh] vihykFkhZ@fo:) i{kdkj ls dksbZ vuqrks'k izkIr djus dh vf/kdkjh ugha gSA vr% ifjokn i= fujLr fd;s tkus dk fuosnu fd;k gSA 04- lacfa /kr ftyk vk;ksx us mRrjokfnuh@ifjokfnuh ds ifjokn dks izekf.kr ikrs gq, ifjokn vkaf"kd :i ls Lohdkj dj Åij dafMdk&1 esa of.kZr vuqlkj vuqrks'k iznku fd;k gS ftlds fo:) ;g vihy gSA Dismissed Page 4 of 9 Appeal No. D.M., The Oriental Insurance Co. Ltd. Order Pronounced FA/2021/166 Vs. On- 12.05.2023 Smt. Vandana Uike 05- vihykFkhZ@fo:) i{kdkj dh vksj ls milatkr gksus okys fo)ku vfHkHkk"kd dk rdZ gS fd ekuuh; ftyk vk;ksx }kjk fof/k ,oa rF;ksa ds fo:) vkns"k ikfjr fd;k x;k gSA lacaf/kr ftyk vk;ksx us eksVj ;ku vf/kfu;e dh /kkjk&2 ¼47½] /kkjk&2 ¼14½] 56 ,oa 39 ds izko/kkuksa dks vuns[kk dj vkyksP; vkns"k ikfjr fd;k gSA iz"uk/khu okgu dk fQVusl lfVZfQdsV fnukad&02-08- 2016 ls 19-07-2018 rd izHkkoh Fkk] fdarq nq?kZVuk fnukad&18-08-2019 dks rRdkyhu le; esa mDr okgu dk dksbZ fQVusl lfVZfQdsV izHkko"khy ugha Fkk vkSj u gh mDr okgu dk oS/k ijfeV FkkA ,slh fLFkfr esa eksVj ;ku vf/kfu;e ds izko/kkuksa ds varxZr okgu lapkfyr djuk fof/k fo:) gSA mDr izko/kkuksa dk mYya?ku gksus ls ,oa nkok fujkdj.k gsrq lacaf/kr vko";d ,oa egRoiw.kZ nLrkost izLrqr ugha fd;s tkus ls vihykFkhZ@fo:) i{kdkj }kjk mRrjokfnuh@ifjokfnuh dk nkok fujLr dj fdlh izdkj ls dksbZ lsok esa deh ugha dh gSA lacaf/kr ftyk vk;ksx us bl vksj Hkh /;ku ugha fn;k gS fd nq?kZVuk fnukad dks okgu pkyd egs"k ejkoh }kjk izLrqr MªkbZfoax ykbZlsal dz - 1020170008637 QthZ FkkA mDr ykbZll as dzekad ykyth fu'kkn ds uke ls tkjh fd;k x;k FkkA bl izdkj ?kVuk fnukad dks okgu pkyd dk oS/k MªkbZfoax ykbZlal s izHkko"khy ugha gksus ,oa okgu dk fQVusl ,oa ijfeV dh oS/krk lekfIr Ik"pkr~ mRrjokfnuh@ifjokfnuh ds i{k esa =qfViw.kZ vkns"k ikfjr fd;k gS ftls vikLr dj vihy Lohdkj fd;s tkus dk fuosnu fd;k gSA 06- mRrjokfnuh@ifjokfnuh dh vksj ls milatkr gksus okys fo)ku vfHkHkk'kd us lacaf/kr ftyk vk;ksx }kjk ikfjr vkns"k dk leFkZu djrs gq, vihykFkhZ@fo:) i{kdkj dh vksj ls izLrqr vihy vikLr fd;s tkus dk fuosnu fd;k gSA mRrjokfnuh@ifjokfnuh us vius rdZ ds leFkZu esa ekuuh; loksZPp U;k;ky; }kjk M.A.C.A. No. 2641 of 2015 Pareed Pillai Vs. Oriental Dismissed Page 5 of 9 Appeal No. D.M., The Oriental Insurance Co. Ltd. Order Pronounced FA/2021/166 Vs. On- 12.05.2023 Smt. Vandana Uike Insurance Company Ltd., Decided on October 9, 2018 , 2018 SCC Online Ker 13110, Civil Appeal No. 4919 of 2022 Rishi Pal Singh Vs. New India Assurance Co. Ltd. & Ors. 2022 Live Law (SC) 646 ,oa jkT; miHkksDrk fookn izfrrks'k vk;ksx] egkjk'Vª] J`a[kyk ihB vkSjaxkckn }kjk izFke vihy dzekad&,Q,@12@414 U;w bafM;k ,";ksjsl a daiuh fyfeVsM fo:) d`'.kk foV~By ukxjxksts esa ikfjr vkns"k dk voyacu fy;k gSA 07- geus mHk;i{k ds fo)ku vfHkHkk'kdx.k ds vafre rdZ Jo.k fd, rFkk lacfa /kr ftyk vk;ksx }kjk izdj.k dzekad&lhlh@2019@412 esa ikfjr vkns"k fnukad&03-11-2021 dk voyksdu fd;k rFkk ewy vfHkys[k Hkh ns[ksA 08- izdj.k esa ;g rF; vfookfnr gS fd mRrjokfnuh@ifjokfnuh dk okgu dzekad&lhth 10 ,Q, 9750 vihykFkhZ@fo:) i{kdkj ds ikl fnukad&01-07- 2019 ls fnukad&30-06-2020 rd dh vof/k ds fy, chfer Fkk ftldk ikWfylh dzekad&193300@31@2020@2954 gSA ;g rF; Hkh vfookfnr gS fd mRrjokfnuh@ifjokfnuh dk mDr chfer okgu chek izHkko"khy jgrs nq?kZVuk Ik"pkr~ {kfrxzLr gks xbZA 09- vihykFkhZ@fo:) i{kdkj ds fo)ku vfHkHkk'kd dk rdZ gS fd ?kVuk fnukad dks okgu dk ifjpkyu fcuk oS/k ,oa izHkkoh vuqKfIr/kkjh pkyd }kjk okgu dk pkyu fd;k tk jgk Fkk tks fd chek ikWfylh dh fu;e ,oa "krksZa rFkk eksVj;ku vf/kfu;e ds izko/kkuksa dk mYya?ku gSA izdj.k esa izLrqr nLrkostksa ds voyksdu mijkar ge ;g ikrs gSa fd mRrjokfnuh@ifjokfnuh us vius nkok izi= esa okgu pkyd dk uke egs"k flag ejkoh ,oa mldk okgu pkyu vuqKfIr dzekad&lhth 10 20170008635] vkj- Vh- vks- fcykliqj ls fnukad&22-12-2017 ls 21-12-2020 rd gYdk eksVj ;ku ,oa VªkaliksVZ gsrq tkjh gksuk mYysf[kr fd;k Dismissed Page 6 of 9 Appeal No. D.M., The Oriental Insurance Co. Ltd. Order Pronounced FA/2021/166 Vs. On- 12.05.2023 Smt. Vandana Uike gS ,oa mRrjokfnuh@ifjokfnuh us okgu lapkyu gsrq vius laLFkku esa MªkbZOgj ds :Ik esa egs"k flag ejkoh dks fu;qDr djrs le; chek nkok izi= ij mYysf[kr okgu vuqKfIr dh tkudkjh nh FkhA vihykFkhZ@fo:) i{kdkj }kjk mDr okgu pkyu vuqKfIr dzekad dk {ks=h; ifjogu dk;kZy; ls tkap djk;s tkus ij mDr okgu pkyu vuqKfIr dzekad ykyth fu'kkn ds uke ij gksuk ik;k x;k vkSj bl laca/k esa vihykFkhZ@fo:) i{kdkj dh vksj ls izn"kZ vks- ih-&03 izLrqr fd;k gSA tcfd mRrjokfnuh@ifjokfnuh dh vksj ls vius chek nkok izi= esa ftl uke vkSj okgu vuqKfIr dzekad dk mYys[k fd;k gS og egs"k flag ejkoh ds uke ij tkjh gksuk ,oa gYdk eksVj ;ku ,oa VªkaliksVZ ;ku gsrq tkjh gksuk losZ;j us vius eksVj QkbZuy losZ fjiksVZ esa mYysf[kr fd;k gS tks fd izn"kZ vks- ih-&04 gS vkSj mDr rF; ds [k.Mu esa ykyth fu'kkn ds MªkbZfoax ykbZlasl fooj.k vks- ih-&3 tks fd foosd dqekj fo"odekZ buosLVhxsVj }kjk vihykFkhZ@fo:) i{kdkj dks iznku dh xbZ gS ] izLrqr fd;k gS fdarq mDr rF; ds leFkZu esa foosd dqekj fo"odekZ buosLVhxsVj dk dksbZ "kiFk&i= izLrqr ugha gS vkSj u gh bl laca/k esa vkj- Vh- vks- fcykliqj }kjk tkjh dksbZ izek.k&i= izLrqr fd;k gS ftlls okgu pkyd egs"k ejkoh ds vuqKfIr dks QthZ izekf.kr djsA ,slh fLFkfr esa mRrjokfnuh@ifjokfnuh }kjk vius laLFkku esa MªkbZOgj ds :Ik esa fu;qDr fd, tkus ds le; izLrqr MªkbZfoax ykbZlasl dks QthZ gksus dk fo"okl ugha fd;k tk ldrk vkSj u gh mRrjokfnuh@ifjokfnuh ls ;g vis{kk dh tk ldrh gS fd og muds laLFkku esa fu;qDr MªkbZOgj ds ykbZlsal dh oS/krk dh tkap djkus ds Ik"pkr~ vius laLFkku esa MªkbZOgj fu;qDr djsA Qyr% vihykFkhZ@fo:) i{kdkj dk ;g rdZ ekU; ;ksX; ugha gS fd ?kVuk ds le; okgu pkyd ds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlasl ugha FkkA Dismissed Page 7 of 9 Appeal No. D.M., The Oriental Insurance Co. Ltd. Order Pronounced FA/2021/166 Vs. On- 12.05.2023 Smt. Vandana Uike 10- vihykFkhZ@fo:) i{kdkj ds fo)ku vfHkHkk'kd dk rdZ gS fd ?kVuk fnukad dks okgu dk ifjpkyu fcuk oS/k fQVusl ds fd;k tk jgk Fkk tks fd chek ikWfylh ds fu;e ,oa "krksZa rFkk eksVj ;ku vf/kfu;e dh /kkjk&56 dk mYya?ku gS] tcfd eksVj ;ku vf/kfu;e dh /kkjk&2 ¼35½ ds vuqlkj yksd okgu dh Js.kh esa vkrh gS rFkk /kkjk&2 ¼47½ ds vuqlkj yksd okgu ifjogu ;ku dh Js.kh esa vkrh gS vkSj eksVj ;ku vf/kfu;e dh /kkjk&56 ds vuqlkj fdlh Hkh ifjogu ;ku dk ifjpkyu yksd LFkku ij fcuk oS/k fQVusl lfVZfQdsV ds fd;k tkuk oftZr gSA bl lac/a k esa gekjk ;g voyksdu gS fd iz"uk/khu okgu ek:fr ,acqysal ,- lh- ds :Ik esa jftLVMZ gS ftldh lhfVax dSifs lVh&4 ynku jfgr otu 965 fdyks xzke ,oa ynku lfgr otu 1195 fdyks xzke gS okgu iath;u izi= izn"kZ lh&6 esa mYysf[kr gSA ?kVuk fnukad&18-08-2019 dks mDr okgu is.Mªk ls ejht NksMd + j fcykliqj vk jgh Fkh rc jkf= djhc 9%00 cts NrkSuk ds ikl ukys esa fufeZr iqy ls xqtjrs le; xkM+h dk ifg;k Qal tkus ls okgu iyVdj nq?kZVukxzLr gks xbZ ftl le; okgu fjDr Fkh vkSj mlesa MªkbZOgj ds vykok vU; dksbZ O;fDr lokj ugha FkkA losZ;j us Hkh vius tkap esa okgu nq?kZVuk ds le; ejht dks NksMd + j vkrs le; nq?kZVuk gksuk ik;k ,oa nq?kZVuk esa okgu esa vk;h {kfr ds laca/k esa okgu lq/kkj djk;s tkus ;ksX; ik;k gSA Qyr% okgu lq/kkj Ik"pkr~ pyus ;ksX; FkhA blls ;g Li'V gS fd fQVusl lfVZfQdsV dk u gksuk ,d rduhdh =qfV Fkh ftlls okgu chek ds lkjoku rRo ds izHkko esa fQVusl fjfuoy u gksuk ,d xkS.k vkSipkfjd vko";drk gS tks chek ikWfylh dk Hkkx gksuk ugha ekuk tk ldrkA 11- mRrjokfnuh@ifjokfnuh }kjk izLrqr U;k; n`'Vkar& Pareed Pillai Vs. Oriental Insurance Company Ltd. (Supra), Rishi Pal Singh Vs. New India Assurance Co. Ltd. & Ors. (Supra) ,oa U;w bafM;k ,";ksjsl a daiuh fyfeVsM fo:) Dismissed Page 8 of 9 Appeal No. D.M., The Oriental Insurance Co. Ltd. Order Pronounced FA/2021/166 Vs. On- 12.05.2023 Smt. Vandana Uike d`'.kk foV~By ukxjxksts ¼mijksDr½ voyksduh; gSA vr% vihykFkhZ@fo:) i{kdkj }kjk mRrjokfnuh@ifjokfnuh ds iz"uk/khu okgu dk chek izHkko"khy jgrs chek nkok fujLr dj lsok esa deh dh xbZ gS ftlds lac/a k esa lacfa /kr ftyk vk;ksx us vius vkns"k dh dafMdk&8 ls 13 esa foLr`r foospu dj fof/kiw.kZ vkns"k ikfjr fd;k gS ftlesa ge fdlh izdkj ls gLr{ksi fd;k tkuk mfpr ugha ikrsA 12- QyLo:Ik vihykFkhZ@fo:) i{kdkj dh vksj ls izLrqr vihy lkjghu gksus ls vikLr dh tkrh gSA lacfa /kr ftyk vkk;ksx }kjk izdj.k dzekad&lhlh@2019@412 esa ikfjr vkns"k fnukad&03-11-2021 dh iqf'V dh tkrh gSA mHk;i{k bl vihy dk O;; Lo;a ogu djsx a sA ¼ U;k;ewfrZ xkSre pkSjfM+;k ½ ¼ izeksn dqekj oekZ ½ v/;{k lnL;
Prononced on- 12th May 2023 Dismissed Page 9 of 9