State Consumer Disputes Redressal Commission
Sukwaro Bai & Ors. vs B.M.State Bank Of India & Ors. on 25 April, 2018
NRrhlx<+ jkT;
miHkksDrk fookn Áfrrks"k.k vk;ksx] iaMjh] jk;iqj vihy Øekad% FA/2016/320.
lafLFkr fnukad: 14.07.2016.
1- lqdokjks ckbZ ifr Lo- lq[khjke] mez&50 o"kZ] 2- fnus'k dqekj vk- Lo- lq[khjke] mez&34 o"kZ] 3- gseUr dqekj vk- Lo- lq[khjke] mez&32 o"kZ] fuoklh xzke&Vsdkikj] rglhy&/ke/kk] ftyk&nqxZ ¼N-x-½ [email protected]
fo:} 1- 'kk[kk izca/kd] Hkkjrh; LVsV cSad] 'kk[kk uanuh uxj] ftyk nqxZ ¼N-x-½ 2- vfuy tSu ] }kjk&{ks= 3] vkapfyd dk;kZy;] cSju cktkj] jk;iqj ¼N-x-½ 3- ch- ch- Bkdqj] Ikzks- ch- ch- VsªMlZ] Xkzke lsefj;k] Fkkuk&cksjh] rglhy&/ke/kk] ftyk nqxZ ¼N-x-½ 4- Qksj lhtUl ,xzksVsd QkeZ ,oa esa- Likblst ,.M gcZl ,DliksVZ izkbZosV fyfeVsM] Lkapkyd&vyheqn~nhu 'ks[k vk- tehyqn~nhu 'ks[k] Xkzke&dq'kx<+] O;kgk lkadjk ¼tksad½] jk;iqj ¼N-x-½ 5- ekbdks ,jhxsalu flLVe] izksizkbZVj&eksgEen 'kkfgn g;kr vk- eks- 'kQh] irk&ua-&45&46] lkyse bafXy'k Ldwy ds lkeus] jk;iqj ¼N-x-½ 6- f'kok dkadzhV oDlZ] ¼v½ izks- Jo.k dqekj vxzoky] edku ua-&4@100] 'kqDykpk;Z tsy jksM] jk;iqj ¼N-x-½] ¼c½ foiqy dqekj uk;d vk- fot; dqekj uk;d] mez yxHkx&32 o"kZ] fuoklh xzke&fHkaHkkSjh] rglhy&frYnk] ftyk jk;iqj ¼N-x-½ [email protected]
// 2 // le{k% ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k-
ekuuh; Jh Mh- ds- iksn~nkj] lnL;-
ekuuh; Jh ujsanz xqIrk] lnL; -
i{kdkjksa ds vf/koDrk vihykFkhZx.k dh vksj ls Jh lqjsUnz ;kno] vf/koDrkA mRrjoknh dzekad&1 dh vksj ls Jh ,u- ds- JhokLro] vf/koDrkA mRrjoknh dzekad&2] 3 ,oa 6 ¼c½ vuqifLFkrA mRrjoknh dzekad&4 ,oa 5 dh vksj ls Jh 'kjn nqcs] vf/koDrkA mRrjoknh dzekad&6 ¼v½ Lor% mifLFkrA vkns'k fnukad& 25@04@2018 }kjk%&ekuuh; Jh Mh- ds- iksn~nkj] lnL;
[email protected] us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] nqxZ ¼N-x-½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&lhlh@2007@224 lqdokjks ckbZ ,oa nks vU; fo:} 'kk[kk izca/kd] Hkkjrh; LVsV cSad ,oa ikap vU; esa ikfjr vkns'k fnukad&09 ebZ 2016 ftlds }kjk ifjoknhx.k ds ifjokn dks fujLr fd;k x;k gS] ls nqf[kr gksdj izLrqr fd;k gSA 02- [email protected] dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl izdkj jgk gS fd ifjoknhx.k d`"kd gS ftlds gd o LokfeRo esa xzke Vsdkikj] rglhy /keek] ftyk nqxZ esa [kljk uacj dze'k% 496@1] 619] 646] 657] 670] 1563@1 dqy jdck 4-29 gsDVs;j Hkwfe fLFkr gS ftl ij os dbZ o"kksZa ls ikjaifjd [ksrh djrs gq, vius ifjokj dk ikyu&iks"k.k djrs jgs gSA Qjojh&ekpZ 2005 esa vukosnd dz-2 ,oa 3 rFkk muds lkFk nks vU; O;fDr ifjoknhx.k ds xkao esa vkdj muls // 3 // O;fDrxr laidZ djrs gq, ifjoknhx.k ,oa vU; fdlkuksa dks ikjaifjd d`f"k ls gVdj vkS"k/kh; [ksrh djus dh lykg fn;k vkSj [ksrh ds fy, 'kklu ,oa cSad ls _.k ,oa vU; lgk;rk miyC/k djkus dh tkudkjh nh vkSj _.k Lohd`fr dk dk;Z Lo;a djkuk dgk x;k vkSj lpZ fjiksVZ] osyq,'ku fjiksVZ vkfn dkxth dk;Zokgh ugha djus dh ckr dgh xbZ vkSj vnjd dk cht] flapkbZ] Qsaflax iksy bR;kfn dh lqfo/kk nks&rhu ekg ds vanj djokus dk fo'okl fnyk;k x;k rc ifjoknhx.k vnjd dh [ksrh djus ds fy, lger gks x;k vkSj vukosnd dzz-2 ds ekax djus ij _.k iqfLrdk ns fn;k x;k rFkk [kljk ,oa uD'kk dqN fnuksa Ik'pkr~ iVokjh ls ysdj j[kus dh ckr dgus ij vukosnd dz-2 ,oa 3 iqu% vk, vkSj nsj jkr ifjoknhx.k dks cSad ys tkdj fofHkUu izdkj ds dksjs QkeksZa ij ifjoknhx.k ,oa vU; fdlkuksa dk gLrk{kj djok;k x;kA ekg twu&tqykbZ 2005 rd vukosndx.k dh vksj ls dksbZ dk;Zokgh uk ns[k ifjoknhx.k ,oa vU; d`"kd vukosnd dz-1 ,oa 3 ls laidZ fd, rc mUgsa irk pyk fd ifjoknhx.k ,oa vU; fdlkuksa ds uke ij _.k Lohd`r gks pqdk gS rFkk ifjoknhx.k ds uke ij 10]49]000@&¼nl yk[k mupkl gtkj :Ik;s½ ,oa vU; fdlkuksa ds uke ij Hkh _.k Lohd`r fd;k tk pqdk gS rFkk mDr _.k jkf'k dk Hkqxrku vukosnd dz-2 dh feyh Hkxr ls vukosnd dz-3 ls 6 dks ifjoknhx.k ds }kjk iwoZ esa gLrk{kfjr fd, dksjs dkxtksa dk nq:Ik;ksx djrs gq, ,oa mudh fcuk tkudkjh ds vukosndx.kksa }kjk izLrqr fcyksa ds vk/kkj ij fcy jkf'k dk Hkqxrku dj fn;k x;k gSA ifjoknhx.k o vU; fdlkuksa us feydj vukosndx.kksa ds // 4 // fo:} iqfyl esa f'kdk;r ntZ djkbZ ftlds vk/kkj ij Fkkuk cksjh] ftyk nqxZ }kjk vijk/k dzekad&07@2006 /kkjk&420] 467] 468] 471] 120ch] 34 Hkkjrh; n.M fo/kku dk vijk/k iathc} fd;k x;kA nqxZ ftys ds lktk] csesrjk] eksgu uxj Fkkus esa Hkh vukosndx.kksa ,oa muds vU; lkFkh 'ks[k ds fo:} mDr /kkjkvksa ds varxZr yxHkx vkB ekeys iathc} gSaA blh izdkj jktukanxkao ftys esa Hkh vukosndx.kksa ds fo:} vijk/k iathc} fd;k x;k gSA bl izdkj vukosndx.kksa ds fo:} ifjoknhx.k ,oa vU; fdlkuksa ds lkFk fd, x, /kks[kk/kM+hiwoZd d`R; ds fo:} yxHkx 21 ekeys ntZ gSa ftlls ;g Li"V gksrk gS fd vukosndx.kksa }kjk mDr d`R; iwjh rjg lqfu;ksftr <ax ls] vyx&vyx ftyk esa fdlkuksa ds Hkksysiu ,oa 'kklu ds d`f"k vk/kkfjr uhfr;ksa dh [kkfe;ksa dk Qk;nk mBkrs gq, ,oa ifjoknhx.k rFkk vU; fdlkuksa ds lkFk Ny djrs gq, _.k Lohd`r djkdj fofHkUu enksa esa vius }kjk dk;Z fd, fcuk gh vius fcyksa ,oa OgkÅpjksa ds ek/;e ls mDr dk;ksZa dh jkf'k izkIr dj yh tks fd fuf'pr :Ik ls O;kolkf;d nqjkpj.k ,oa lsok esa deh dh dksfV esa vkrk gS ftlds fy, lHkh vukosndx.k ftEesnkj gSaA pwafd vukosnd dz-1 ,oa 2 }kjk diViwoZd rjhds ls ifjoknhx.k ds uke ij _.k Lohd`r dj ifjoknhx.k dks izoafpr fd;k x;k ftlds ifj.kke Lo:Ik ifjoknhx.k ij 10]49]000@&¼nl yk[k mupkl gtkj :Ik;s½ ds _.k dh nsunkjh vk xbZ vkSj ifjoknhx.k dks ikfj.kkfed gkfu _.k ds :Ik esa gqbZ gSA vukosndx.k }kjk izLrqr fcy] OgkÅpj ,oa dksVs'ku ftuesa lacaf/kr QeZ dk fVu ua- rFkk lsy VSDl ua- Hkh ugha gS rFkk Hkqxrku OgkÅpj ;k jkf'k // 5 // foMªky QkeZ ij ifjoknhx.k ds izfr gLrk{kj ds fcuk gh ,oa tkap fd, fcuk gh vukosnd dz-2 us lHkh fcy Lohd`r djrs gq, _.k jkf'k dks vukosndx.k dks Hkqxrku dj fn;k vkSj ifjoknhx.k }kjk mDr Hkqxrku dks _.k [kkrs esa tek djus ckor~ fn, x, i= ds Ik'pkr~ Hkh vukosndx.k }kjk _.k [kkrs esa tek fd, x, psd vuknfjr gksus ij Hkh mldh lwpuk ifjoknhx.k dks ugha nh xbZ tks fd vukosndx.k ds feyh&Hkxr dks mtkxj djrk gSA vukosnd dz-3 us vukosndx.kksa ds lkFk feydj ifjoknhx.k dks >kalk nsrs gq, iwoZfu;ksftr rjhds ls 'ks"k vukosndx.kksa ds lkFk feydj cSadksa ls _.k ikl djkus dk xksj[k/ka/kk djrs gq, ifjoknhx.k ds uke ij _.k Lohd`r djkdj {kfr igqqpkbZ gSA vukosnd dz-4 }kjk ifjoknhx.k dks vnjd ds cht ds uke ij lqizHkk vnjd fczMj 'khM ds cht u nsdj ?kfV;k ,oa fuEu Lrj ds lM+s&xys vnjd ds cht 20 cksjksa esa Hkj fn;k x;k ftlls ikuh fjl jgk Fkk ,oa yxkus yk;d ugha Fkk vkSj xq.koRrk ds vuq:Ik Hkh ugha Fkk fQj Hkh 20 cksjs vnjd esa ls dqN vPNs chtksa dks NkaVdj ifjoknhx.k us vius [ksrksa esa yxk;k tks ek= 02 ,dM+ [ksr Hkj ds fy, Hkh ugha gqvk vkSj ifjoknhx.k }kjk mu chtksa dk leqfpr ns[kjs[k ,oa ekSle ds vuq:Ik ns[kjs[k djus ds ckotwn Hkh vadqj.k ugha gqvk D;ksafd mDr cht vukosnd }kjk tqykbZ ,oa vxLr ekg ds yxHkx ifjoknhx.k dks fn, x, Fks tks fd iwjh rjg ls lM+s&xys ,oa Lrjghu cht Fks vkSj chtksa dh iwjh dher vukosnd us ifjoknhx.k ds _.k [kkrs ls izkIr dj fy;kA vukosnd dz-4 us esllZ Likblst ,aM gcZl ,DliksVZ izk- fy- uked QeZ // 6 // ds uke ij ifjoknhx.k ls ,d lgefr Kkiu rS;kj fd;k x;k fd mDr QeZ ds ek/;e ls vnjd ds mRikn dks iqu% [kjhn ysxk] fdUrq vnjd ds chtksa dk vadqj.k gh ugha gqvkA vukosnd dz-5 }kjk ifjoknhx.k ds Lohd`r _.k esa ls fnukad&07-07-2005 dks [ksrksa esa Mªhi flapkbZ i}fr dh LFkkiuk djus ds fy, 3]40]000@&¼rhu yk[k pkyhl gtkj :Ik;s½ izkIr dj fy;k tcfd ifjoknhx.k ds laiw.kZ [ksrksa esa Mªhi flapkbZ ds uke ij ek= ikbZi fcNk nh xbZ gS ,oa vU; midj.k ugha yxk;k x;k gSA vukosnd dz-6 }kjk iwjs [ksrksa esa iksy ,oa rkj yxkus ds fy, 1]20]000@&¼,d yk[k chl gtkj :Ik;s½ dk Hkqxrku izkIr dj fy;k tcfd fu/kkZfjr ek=k ls vR;f/kd de ek=k esa iksy ,oa rkj fn;k x;k tks mi;ksx esa ugha yk;k x;kA vukosndx.k }kjk fd, x, O;kolkf;d nqjkpj.k] /kks[kk/kM+h iwoZd d`R; rFkk ykijokghiwoZd joS;s ds dkj.k ifjoknhx.k dks viw.khZ; {kfr gqbZ gS ftlds fy, vukosndx.k ftEesnkj gSaA vr% ifjoknhx.k dks ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkosA 03- mRrjoknh dz-1 ,oa 2@vukosnd dz-1 ,oa 2 dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd ifjoknhx.k dk tks Hkh laO;ogkj gqvk gS og vukosnd dz-1 ,oa 2 ds lkFk O;fDrxr :Ik ls ugha] vfirq _.kh ds :Ik esa Hkkjrh; LVsV cSad dh uafnuh uxj 'kk[kk ls gqvk gS rFkk ifjoknhx.k us _.k dh cdk;k jde cSad dks vnk uk dj nsunkjh ls cpus ds fy, dkYifud ,oa eux<ar ,oa // 7 // nqHkkZoukiwoZd dgkuh x<+dj ;g ifjokn izLrqr fd;k gSA vukosnd dz-2 ,oa vU; ds fo:} iqfyl esa f'kdk;r ntZ djk;k x;k gS ,oa iqfyl }kjk vijk/k Hkh iathc} fd;k x;k gS vkSj iqfyl foospuk tkjh gS blfy, ;g fookn LFkkiuh; ugha gSA ifjoknhx.k us fofHkUu O;fDr;ksa ,oa QeksZa dks ,d gh fookn izdj.k esa 'kkfey fd;k gS tks fd fof/k ds vuqlkj LFkkiuh; ugha gSA orZeku ifjokn ds fujkdj.k esa o`gr~ lk{; dh vko';drk gksxh ,oa vusd nLrkostksa dk ifj'khyu djus dh t:jr gksxh tks fd flfoy U;k;ky; }kjk gh dh tk ldrh gSA vukosnd dz-1 ,oa 2 dks O;fDrxr :Ik ls i{kdkj cuk;k x;k gS tcfd lewps vkosnu&i= esa ,slk dksbZ rF; izLrqr ugha gS fd nksuksa vukosndksa ls O;fDrxr :Ik ls D;k laO;ogkj gqvk gSA ifjoknhx.k us ;g dFku fd;k fd vukosnd dz-2 ,oa 3 mlls ekg Qjojh 2005 esa feys Fks vkSj _.k Lohd`fr dk Hkjkslk fnyk;k Fkk tcfd vukosnd dz-2 dh fu;qfDr LVsV cSad vkWQ bafM;k dh uafnuh uxj 'kk[kk esa twu 2005 esa gqbZ FkhA _.k izkfIr gsrq vkosnu&i= ifjoknhx.k us izLrqr fd;k Fkk vkSj tekurnkj Hkh izLrqr fd;k Fkk ftlus tekurukek cSad ds i{k esa fu"ikfnr fd;k Fkk vkSj viuh tehusa Hkh ca/kd j[kh FkhA ifjoknhx.k dks dtZ dh jkf'k dk forj.k mldh ekax ij le;≤ ij fd;k x;k gSA o"kZ 2005 esa Hkkjh o"kkZ ds dkj.k vnjd dh [ksrh [kjkc gks xbZ ,oa vnjd ds cht xy x;s rc ifjoknhx.k ds }kjk iqu% cht miyC/k djkus dk vkosnu lIyk;j dks fn;k ftl ij mls vxys o"kZ eq¶r esa cht iznk; djus dk vk'oklu fn;k x;k fdUrq cdk;k jde dh nsunkjh ls cpus ds xjt ls // 8 // ifjoknhx.k us cSad ds rRdkyhu 'kk[kk izca/kd ,oa vU; ds fo:} iqfyl esa >wBh fjiksVZ ntZ djk nh vksj jktuSfrd ncko ,oa v[kckj ckth ds pyrs iqfyl }kjk vukosnd dz-2 ,oa vU; ds fo:} Hkk- n- fo- dh /kkjk&420] 468] 470 ,oa 471 lgifBr /kkjk&34 ds rgr vijk/k iathc} dj foospuk izkjaHk dh rc fxj¶rkjh dh vk'kadk ds pyrs vukosnd dz-2 us ekuuh; l= U;k;k/kh'k] nqxZ ds U;k;ky; esa vfxze tekur dk vkosnu&i= izLrqr fd;k tks fujkdj.k gsrq l= U;k;k/kh'k] nqxZ }kjk iape vfrfjDr l= U;k;k/kh'k Jh ,u- ,l- mlsaMh ds U;k;ky; esa varfjr dj fn;k vkSj vkns'k fnuakd&22-02-2006 ds }kjk vukosnd dz-2 }kjk izLrqr vfxze tekur dk vkosnu Lohdkj fd;k x;kA ifjoknhx.k ds cSad 'kk[kk ls dqy ,d gh ckj Hkqxrku dh izfdz;k Hkh ugha gqbZ gSA vyx&vyx rkjh[kksa ij Hkqxrku fd;s tkus dk nLrkost gS vkSj bu nLrkostksa esa Hkh f'kdk;rdrkZ fdlkuksa ds gLrk{kj ekStwn gSa rFkk xkjs.Vj ds :Ik esa dqN izdj.k esa rks f'kdk;rdrkZ fdlkuksa ds iq=ksa dks gh xkjs.Vj cuk;k x;k gS vkSj muds gLrk{kj ekStwn gSaA ifjoknhx.k us vnjd dh [ksrh ugha dj ikus ds fy, vfro`f"V vkSj cht dh [kjkch dks Hkh dkj.k crk;k gS ftldk ifjoknhx.k ls dksbZ izR;{k laca/k ugha gS vkSj uk gh mlds fu;a=.kk/khu dh fo"k; oLrq gSA f'kdk;rdrkZ fdlkuksa ds _.k ls lacaf/kr izdj.kksa ds nLrkost fnukad&07-02-2006 dks tIr fd;s tk pqds gSa vkSj vkxs Hkh dh tk ldrh gSA orZeku izdj.k ds fy, dksbZ okn dkj.k mRiUu ugha gqvk gS rFkk ?kVuk Qjojh 2005 dh gS tcfd ;g ifjokn fnukad&15-05-2007 dks izLrqr fd;k x;k gS tks fd le; ckf/kr // 9 // gSA vukosnd dz-1 ,oa 2 }kjk lsok esa dksbZ deh ugha dh xbZ gSA vr% ifjoknhx.k dk ifjokn lO;; fujLr fd;k tkosA 04- mRrjoknh dz-3 ,oa 6 ¼v½@vukosnd dz-3 ,oa 6 ¼v½ ftyk Qksje ds le{k ,di{kh; jgs gSa vkSj mudh vksj ls dksbZ fyf[kr dFku ,oa lk{; izLrqr ugha gSA 05- mRrjoknh dz-4@vukosnd dz-4 dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vkifRr fd;k x;k gS fd ifjoknhx.k **miHkksDrk** dh Js.kh esa ugha vkrk gSA ifjoknhx.k us vukosnd ds fo:} fofHkUu iqfyl Fkkus esa mijksDr laO;ogkj ds fo:} f'kdk;r Hkh dh gS ftlesa iqfyl }kjk izFke lwpuk ntZ dj foospuk dh tk jgh gS vkSj vc iqu% mlh laO;ogkj ij ;g ifjokn izLrqr fd;k x;k gS tks fd la/kkj.kh; ugha gSA laiw.kZ laO;ogkj 'kkldh; ;kstukvksa ds varxZr mlesa feyus okyh lfClMh rFkk O;kolkf;d ykHk ls lacaf/kr gS ftlesa ;fn ifjoknhx.k dks dksbZ uqdlkuh gqbZ gks rks og ml nq"d`R; ds fy, O;ogkj U;k;ky; esa {kfriwfrZ gsrq okn izLrqr dj ldrk gSA vukosnd dz-4 }kjk vius }kjk fd, x, okLrfod dk;Z dk mfpr ewY; izkIr fd;k x;k gS vkSj ifjoknhx.k dks fdlh izdkj dk dksbZ /kks[kk ugha fn;k gSA vukosnd dz-4 dk uk rks vU; vukosndx.k ls dksbZ feyhHkxr gS vkSj uk gh muds lkFk feydj ifjoknhx.k ds lkFk dksbZ /kks[kk/kM+h ;k fu;e fo:} dksbZ dk;Z fd;k gSA ifjoknhx.k us 'kkldh; ;kstukarxZr vnjd ,oa vke dh O;kikfjd [ksrh djus ds fy, _.k izkfIr gsrq cSad esa Lo;a laidZ fd;k // 10 // vkSj Lo;a gh leLr nlrkost rS;kj djok dj cSad esa izLrqr fd;k gSA cSad us Hkh fu;eksa ds rgr leLr vkSipkfjdrk,a iwjh djus ds ckn ifjoknhx.k ds i{k esa _.k Lohd`r fd;k gS vkSj fofHkUu dk;ksZa ds fy, fofHkUu O;fDr;ksa dks dk;Z vkns'k fn;k gS vkSj vukosnd dz-4 dks vnjd iznk; djus gsrq 4]32]000@&¼pkj yk[k cRrhl gtkj :Ik;s½ dk fMek.M Mªk¶V iznk; fd;k x;k gSA vukosnd dz-4 us ifjoknhx.k dks dk;Z vkns'k vuqlkj vPNs fdLe dk vnjd Hkstk Fkk ftls izkIr dj ifjoknhx.k us jlhn Hkh fu"ikfnr fd;k gSA pwafd ckbZ cSd vuqca/k ds vuqlkj ifjoknhx.k us esllZ ,aM gcZl ,DliksVZ izk- fy- ls dksbZ vnjd dz; ugha fd;k gS] vr% ckbZ cSd vuqca/k ds vuqlkj ifjoknhx.k ls okil vnjd dz; djus dk dksbZ iz'u gh mRiUu ugha gksrk gSA vukosnd dz-4 Lo;a ,d fdlku gS ,oa og vius }kjk mRikfnr vnjd dks gh fodz; dj jgk gS ftlds fy, fdlh izdkj dh dksbZ yk;lsal dh vko';drk ugha gksrhA ifjoknhx.k ds Lo;a dh ykijokgh ls vPNh Qly ds mRiknu uk gksus ij vukosnd dz-4 dh dksbZ tokcnkjh ugha gSA vukosnd dz-4 }kjk lsok esa dksbZ deh ugha dh xbZ gSA vr% ifjoknhx.k dk ifjokn lO;; fujLr fd;k tkosA 06- mRrjoknh dz-5@vukosnd dz-5 dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vkifRr fd;k x;k gS fd ifjoknhx.k **miHkksDrk** dh Js.kh esa ugha vkrk gSA ifjoknhx.k us vukosnd ds fo:} fofHkUu iqfyl Fkkus esa mijksDr laO;ogkj ds fo:} f'kdk;r Hkh dh gS // 11 // ftlesa iqfyl }kjk izFke lwpuk ntZ dj foospuk dh tk jgh gS vkSj vc iqu% mlh laO;ogkj ij ;g ifjokn izLrqr fd;k x;k gS tks fd la/kkj.kh; ugha gSA laiw.kZ laO;ogkj 'kkldh; ;kstukvksa ds varxZr mlesa feyus okyh lfClMh rFkk O;kolkf;d ykHk ls lacaf/kr gS ftlesa ;fn ifjoknhx.k dks dksbZ uqdlkuh gqbZ gks rks og ml nq"d`R; ds fy, O;ogkj U;k;ky; esa {kfriwfrZ gsrq okn izLrqr dj ldrk gSA ifjoknhx.k dh Hkwfe esa vukosnd us tSu ,jhxs'ku flLVe rFkk mPp DokfyVh ds d`f"k midj.kksa esa ikbZiksa ds }kjk ifjoknhx.k dh Hkwfe esa yxk;k Fkk tks iw.kZr% lgh Fkk vkSj pkyw Hkh gqvk FkkA LFky fujh{k.k dh dksbZ lwpuk ifjoknhx.k }kjk ugha nh xbZ gSA fnukad&14-03-2006 ds LFky fujh{k.k iapukek ds laca/k esa ifjoknhx.k us feF;k nLrkost rS;kj dj izLrqr fd;k gS tks fo'oluh; ugha gS rFkk mlesa mYysf[kr ckrsa vukosnd dz-5 ij ca/kudkjh ugha gSA ifjoknhx.k 'kkldh; ;kstuk ds rgr vnjd dh O;kolkf;d [ksrh djus vkSj mlls O;kikfjd ykHk izkIr djus ds fy, _.k izkIr dj O;kolkf;d dk;Z fd;k gS vkSj 'kkldh; ;kstuk ds varxZr _.k esa 20 izfr'kr NwV izkIr djus dk izko/kku gSA bl izdkj ifjoknhx.k **miHkksDrk** ugha gSA vukosnd dz- 5 }kjk lsok esa dksbZ deh ugha dh xbZ gSA vr% ifjoknhx.k dk ifjokn lO;; fujLr fd;k tkosA 07- mRrjoknh dz-6 ¼c½@vukosnd dz-6¼c½ dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vkifRr fd;k x;k gS ifjoknhx.k **miHkksDrk** dh Js.kh esa ugha vkrk gSA ifjoknhx.k us // 12 // vukosnd ds fo:} fofHkUu iqfyl Fkkus esa mijksDr laO;ogkj ds fo:} f'kdk;r Hkh dh gS ftlesa iqfyl }kjk izFke lwpuk ntZ dj foospuk dh tk jgh gS vkSj vc iqu% mlh laO;ogkj ij ;g ifjokn izLrqr fd;k x;k gS tks fd la/kkj.kh; ugha gSA laiw.kZ laO;ogkj 'kkldh; ;kstukvksa ds varxZr mlesa feyus okyh lfClMh rFkk O;kolkf;d ykHk ls lacaf/kr gS ftlesa ;fn ifjoknhx.k dks dksbZ uqdlkuh gqbZ gks rks og ml nq"d`R; ds fy, O;ogkj U;k;ky; esa {kfriwfrZ gsrq okn izLrqr dj ldrk gSA vukosnd dz-6 ¼c½ ds }kjk ifjoknhx.k dks 800 ux iksy rFkk ckjcsM okW;j lIykbZ djus gsrq dksVs'ku fn;k x;k Fkk vkSj mDr lkeku ifjoknhx.k dks iznk; dj mlds [ksrksa esa LFkkfir fd;k x;k Fkk rFkk vukosnd dz-6¼c½ }kjk ifjoknhx.k dks iznk; fd, x, iksy ,oa rkj dk okLrfod ewY; izkIr fd;k x;k gSA ifjoknhx.k dh ykijokgh ;k ekSle dh [kjkch vFkok vU; dkj.k ls laHkkfor gS fd Qly dh iSnkokj vPNh uk gks ikbZ gks ftlds fy, vukosnd dz-6 ¼c½ ftEesnkj ugha gSA iksy ,oa rkj lIykbZ gksus ds ckn ifjoknhx.k us mlh ds dkj.k uqdlku gksus laca/kh f'kdk;r djrs gq, yxHkx nks lky ckn ;g ifjokn izLrqr fd;k gS tc cSad }kjk ifjoknhx.k ls olwyh dh dk;Zokgh dh xbZ gSA bl izdkj Li"V gS fd ifjoknhx.k }kjk _.k dh vnk;xh ls cpus ds fy, ifjokn izLrqr fd;k x;k gSA ifjoknhx.k 'kkldh; ;kstuk ds rgr vnjd dh O;kolkf;d [ksrh djus vkSj mlls O;kikfjd ykHk izkIr djus ds fy, _.k izkIr dj O;kolkf;d dk;Z fd;k gS vkSj 'kkldh; ;kstuk ds varxZr _.k esa 20 izfr'kr NwV izkIr djus dk izko/kku gSA bl izdkj // 13 // ifjoknhx.k **miHkksDrk** ugha gSA vukosnd dz-6 ¼c½ }kjk lsok esa dksbZ deh ugha dh xbZ gSA vr% ifjoknhx.k dk ifjokn lO;; fujLr fd;k tkosA 08- [email protected] dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k lwph vuqlkj nLrkost izLrqr fd;k x;k gSA 09- mRrjoknh dz-1 ,oa 2@vukosnd dz-1 ,oa 2 dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k lwph vuqlkj nLrkost izLrqr fd;k x;k gSA 10- mRrjoknh dz-4@vukosnd dz-4 dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k lwph vuqlkj nLrkost izLrqr fd;k x;k gSA 11- mRrjoknh dz-6 ¼c½@vukosnd dz-6¼c½ dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k lwph vuqlkj nLrkost is'k fd;k x;k gSA 12- mHk;i{k dh vksj ls izLrqr vfHkopu ,oa nLrkosth lk{;ksa ds ifj'khyu ds Ik'pkr~ ftyk Qksje us ifjoknhx.k ds ifjokn dks fujLr fd;k gS ftlds fo:} ;g vihy gSA 13- [email protected] dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh lqjsUnz ;kno }kjk fyf[kr rdZ izLrqr djrs gq, ;g vk/kkj fy;k x;k gS fd ifjoknhx.k ds gd o LokfeRo esa xzke Vsdkikj] rglhy // 14 // /ke/kk] ftyk nqxZ esa dqy&4-29 gsDVs;j Hkwfe fLFkr gS ftl ij og dbZ o"kksZa ls ikjaifjd [ksrh djrs gq, vius ifjokj dk ikyu&iks"k.k djrk jgk gSA Qjojh&ekpZ 2005 esa vukosnd dz-2 ,oa 3 rFkk muds lkFk nks vU; O;fDr ifjoknhx.k ds xkao esa vkdj muls O;fDrxr laidZ djrs gq, ifjoknhx.k ,oa vU; fdlkuksa dks ikjaifjd d`f"k ls gVdj vkS"k/kh; [ksrh djus dh lykg fn;k vkSj [ksrh ds fy, 'kklu ,oa cSad ls _.k ,oa vU; lgk;rk miyC/k djkus dh tkudkjh nh vkSj _.k Lohd`fr dk dk;Z Lo;a djkuk dgk x;k vkSj lpZ fjiksVZ] osyq,'ku fjiksVZ vkfn dkxth dk;Zokgh ugha djus dh ckr dgh xbZ vkSj vnjd dk cht] flapkbZ] Qsaflax iksy bR;kfn dh lqfo/kk nks&rhu ekg ds vanj djokus dk fo'okl fnyk;k x;k rc ifjoknhx.k vnjd dh [ksrh djus ds fy, lger gks x;k vkSj vukosnd dzz-2 ds ekax djus ij _.k iqfLrdk ns fn;k x;k rFkk [kljk ,oa uD'kk dqN fnuksa Ik'pkr~ iVokjh ls ysdj j[kus dh ckr dgus ij vukosnd dz-2 ,oa 3 iqu% vk, vkSj nsj jkr ifjoknhx.k dks cSad ys tkdj fofHkUu izdkj ds dksjs QkeksZa ij ifjoknhx.k ,oa vU; fdlkuksa dk gLrk{kj djok;k x;kA ekg twu&tqykbZ 2005 esa ifjoknhx.k ,oa vU; d`"kd vukosnd dz-1 ,oa 3 ls laidZ fd, rc mUgsa irk pyk fd ifjoknhx.k ,oa vU; fdlkuksa ds uke ij _.k Lohd`r gks pqdk gS rFkk ifjoknhx.k ds uke ij 10]49]000@&¼nl yk[k mupkl gtkj :Ik;s½ ,oa vU; fdlkuksa ds uke ij Hkh _.k Lohd`r fd;k tk pqdk gS rFkk mDr _.k jkf'k dk Hkqxrku vukosnd dz-2 dh feyh Hkxr ls vukosnd dz-3 ls 7 dks dj fn;k x;k gSA ifjoknhx.k o vU; fdlkuksa us feydj // 15 // vukosndx.kksa ds fo:} iqfyl esa f'kdk;r ntZ djkbZ ftlds vk/kkj ij Fkkuk cksjh] ftyk nqxZ }kjk vijk/k dzekad&07@2006 /kkjk&420] 467] 468] 471] 120ch] 34 Hkkjrh; n.M fo/kku dk vijk/k iathc} fd;k x;kA nqxZ ftys ds lktk] csesrjk] eksgu uxj Fkkus esa Hkh vukosndx.kksa ,oa muds vU; lkFkh 'ks[k ds fo:} mDr /kkjkvksa ds varxZr yxHkx vkB ekeys iathc} gSaA blh izdkj jktukanxkao ftys esa Hkh vukosndx.kksa ds fo:} vijk/k iathc} fd;k x;k gSA bl izdkj vukosndx.kksa ds fo:} ifjoknhx.k ,oa vU; fdlkuksa ds lkFk fd, x, /kks[kk/kM+hiwoZd d`R; ds fo:} yxHkx 21 ekeys ntZ gSa ftlls ;g Li"V gksrk gS fd vukosndx.kksa }kjk mDr d`R; iwjh rjg lqfu;ksftr <ax ls] vyx&vyx ftyk esa fdlkuksa ds Hkksysiu ,oa 'kklu ds d`f"k vk/kkfjr uhfr;ksa dh [kkfe;ksa dk Qk;nk mBkrs gq, ,oa ifjoknhx.k rFkk vU; fdlkuksa ds lkFk Ny djrs gq, _.k Lohd`r djkdj fofHkUu enksa esa vius }kjk dk;Z fd, fcuk gh vius fcyksa ,oa OgkÅpjksa ds ek/;e ls mDr dk;ksZa dh jkf'k izkIr dj yh tks fd fuf'pr :Ik ls O;kolkf;d nqjkpj.k ,oa lsok esa deh dh dksfV esa vkrk gS ftlds fy, lHkh vukosndx.k ftEesnkj gSaA pwafd vukosnd dz-1 ,oa 2 }kjk diViwoZd rjhds ls ifjoknhx.k ds uke ij _.k Lohd`r dj ifjoknhx.k dks izoafpr fd;k x;k ftlds ifj.kke Lo:Ik ifjoknhx.k ij 10]49]000@&¼nl yk[k mupkl gtkj :Ik;s½ ds _.k dh nsunkjh vk xbZ vkSj ifjoknhx.k dks ikfj.kkfed gkfu _.k ds :Ik esa gqbZ gSA vukosndx.k }kjk izLrqr fcy] OgkÅpj ,oa dksVs'ku ftuesa lacaf/kr QeZ dk fVu ua- rFkk lsy VSDl ua- Hkh ugha gS rFkk Hkqxrku // 16 // OgkÅpj ;k jkf'k foMªky QkeZ ij ifjoknhx.k ds izfr gLrk{kj ds fcuk gh ,oa tkap fd, fcuk gh vukosnd dz-2 us lHkh fcy Lohd`r djrs gq, _.k jkf'k dks vukosndx.k dks Hkqxrku dj fn;k vkSj ifjoknhx.k }kjk mDr Hkqxrku dks _.k [kkrs esa tek djus ckor~ fn, x, i= ds Ik'pkr~ Hkh vukosndx.k }kjk _.k [kkrs esa tek fd, x, psd vuknfjr gksus ij Hkh mldh lwpuk ifjoknhx.k dks ugha nh xbZ tks fd vukosndx.k ds feyh&Hkxr dks mtkxj djrk gSA vukosnd dz-3 us vukosndx.kksa ds lkFk feydj ifjoknhx.k dks >kalk nsrs gq, iwoZfu;ksftr rjhds ls 'ks"k vukosndx.kksa ds lkFk feydj cSadksa ls _.k ikl djkus dk xksj[k/ka/kk djrs gq, ifjoknhx.k ds uke ij _.k Lohd`r djkdj {kfr igaqpkbZ gSA vukosnd dz-4 }kjk ifjoknhx.k dks vnjd ds cht ds uke ij lqizHkk vnjd fczMj 'khM ds cht u nsdj ?kfV;k ,oa fuEu Lrj ds lM+s&xys vnjd ds cht 20 cksjksa esa dj fn;k x;k ftlls ikuh fjl jgk Fkk ,oa yxkus yk;d ugha Fkk vkSj xq.koRrk ds vuq:Ik Hkh ugha Fkk fQj Hkh 20 cksjs vnjd esa ls dqN vPNs chtksa dks NkaVdj ifjoknhx.k us vius [ksrksa esa yxk;k tks ek= 02 ,dM+ [ksr Hkj ds fy, Hkh ugha gqvk vkSj ifjoknhx.k }kjk mu chtksa dk leqfpr ns[kjs[k ,oa ekSle ds vuq:Ik ns[kjs[k djus ds ckotwn Hkh vadqj.k ugha gqvk D;ksafd mDr cht vukosnd }kjk tqykbZ ,oa vxLr ekg ds yxHkx ifjoknhx.k dks fn, x, Fks tks fd iwjh rjg ls lM+s&xys ,oa Lrjghu cht Fks vkSj chtksa dh iwjh dher vukosnd us ifjoknhx.k ds _.k [kkrs ls izkIr dj fy;kA vukosnd dz-4 us esllZ Likblst ,aM gcZl ,DliksVZ izk- fy- uked QeZ // 17 // ds uke ij ifjoknhx.k ls ,d lgefr Kkiu rS;kj fd;k x;k fd mDr QeZ ds ek/;e ls vnjd ds mRikn dks iqu% [kjhn ysxk] fdUrq vnjd ds chtksa dk vadqj.k gh ugha gqvkA vukosnd dz-5 }kjk ifjoknhx.k ds Lohd`r _.k esa ls [ksrksa esa Mªhi flapkbZ i}fr dh LFkkiuk djus ds fy, 3]40]000@&¼rhu yk[k pkyhl gtkj :Ik;s½ izkIr dj fy;k tcfd ifjoknhx.k ds laiw.kZ [ksrksa esa Mªhi flapkbZ ds uke ij ek= ikbZi fcNk nh xbZ gS ,oa vU; midj.k ugha yxk;k x;k gSA vukosnd dz-6 }kjk iwjs [ksrksa esa iksy ,oa rkj yxkus ds fy, 1]20]000@&¼,d yk[k chl gtkj :Ik;s½ dk Hkqxrku izkIr dj fy;k tcfd fu/kkZfjr ek=k ls vR;f/kd de ek=k esa iksy ,oa rkj fn;k x;k tks mi;ksx esa ugha yk;k x;kA vukosndx.k }kjk fd, x, O;kolkf;d nqjkpj.k] /kks[kk/kM+h iwoZd d`R; rFkk ykijokghiwoZd joS;s ds dkj.k ifjoknhx.k dks viw.khZ; {kfr gqbZ gS ftlds fy, vukosndx.k ftEesnkj gSaA vr% [email protected] dh vihy dks Lohdkj dj ifjoknhx.k dks ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkosA 14- mRrjoknh dz-1@vukosnd dz-1 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ,u- ds- JhokLro us ftyk Qksje ds vkns'k dk leFkZu djrs gq, ifjoknhx.k dh vihy fujLr fd;s tkus dk fuosnu fd;k gSA 15- uksfVl rkehyh ds ckn Hkh mRrjoknh dz-2] 3] 6 ¼v½ ,oa 7@vukosnd dz-2] 3] 6¼v½ ,oa 7 dh vksj ls dksbZ milatkr ugha gq, gSaA // 18 // 16- mRrjoknh dz-4 ,oa 5@vukosnd dz-4 ,oa 5 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh 'kjn nqcs ,oa mRrjoknh dz-6 ¼2½@vukosnd dz-6 ¼2½ foiqy uk;d us ftyk Qksje ds vkns'k dk leFkZu djrs gq, ifjoknhx.k dh vihy fujLr fd;s tkus dk fuosnu fd;k gSA 17- geus mHk;i{k ds fo}ku vf/koDrkx.k ,oa mRrjoknh dz-6¼2½ dk rdZ Jo.k fd;k rFkk ftyk Qksje ds vfHkys[k ,oa vkyksP; vkns'k dk Hkh ifj'khyu fd;k x;kA 18- ifjoknhx.k us vius ifjokn&i= dh dafMdk&2 esa ;g vfHkopu fd;k gS fd **ifjoknhx.k d`"kd gS ftlds gd o LokfeRo esa xzke Vsdkikj] rglhy /ke/kk] ftyk nqxZ esa [kljk uacj dze'k% 496@1] 619] 646] 657] 670 ,oa 1563@1 jdck dze'k% 2-29] 0-65] 0-49] 0-16] 0-62] ,oa 0-08 dqy&4293 gsDVs;j Hkwfe fLFkr gS ftl ij og dbZ o"kksZa ls ikjaifjd [ksrh djrs gq, vius ifjokj dk ikyu&iks"k.k djrs jgs gSaA Qjojh&ekpZ 2005 esa vukosnd dz-2 ,oa 3 rFkk muds lkFk nks vU; O;fDr ifjoknhx.k ds xkao esa vkdj muls O;fDrxr laidZ djrs gq, ifjoknhx.k ,oa vU; fdlkuksa dks ikjaifjd d`f"k ls gVdj vkS"k/kh; [ksrh djus dh lykg fn;k vkSj [ksrh ds fy, 'kklu ,oa cSad ls _.k ,oa vU; lgk;rk miyC/k djkus dh tkudkjh nh rFkk vukosnd dz-2 us Li"V fd;k fd cSad ls _.k Lohd`fr dk dk;Z eSa Lo;a djok nwaxk ftlds fy, vkidks dgha HkVduk ugha iM+sxk D;ksafd eSa Lo;a czkap eSustj ds in ij // 19 // inLFk gwwa rFkk ?kj cSBs _.k Lohd`fr dh dkxth dk;Zokgh djok nwaxk] blds fy, vkidks lpZ fjiksVZ] osyq,'ku fjiksVZ] vkfn dkxth dk;Zokgh djus dh vko';drk ugha iM+sxh] lHkh dk;Z ge yksx djok ysaxs] dgrs gq, vU; lHkh yksxksa us vnjd dk cht] flapkbZ] Qsaflax] iksy bR;kfn dh lqfo/kk muds ek/;e ls 'kh?kz vfr'kh?kz nks&rhu ekg ds vanj vius tokcnkjh ij miyC/k djkus dk fo'okl fnyk;k x;k] rc ifjoknhx.k bu yksxksa ds izHkko o fo'okl esa vkdj vnjd dh [ksrh djus ds fy, lger gks x;k rFkk vukosnd dz-2 ds }kjk _.k iqfLrdk o tehu ls lacaf/kr [kljk uD'kk dh ekax fd, tkus ij ml le; _.k iqfLrdk ns fn;k rFkk [kljk ,oa uD'kk dqN fnuksa Ik'pkr~ iVokjh ls ysdj j[kus dh ckr dgus ij vukosnd dz-2 ,oa 3 iqu% gekjs xkao vk, rFkk nsj jkr gesa cSad ys x, vkSj ogka fofHkUu izdkj ds QkeksZa ij tks fd ml le; Hkjs ugha x, Fks] ij ifjoknhx.k ,oa ogka mifLFkr vU; fdlkuksa ds gLrk{kj djok;k x;kA lHkh fdlku gLrk{kj dj jgs Fks rks ifjoknhx.k us Hkh vius gLrk{kj dj fn,A bl izdkj lHkh ds vyx&vyx QkeksZa ij gLrk{kj djok;s x, rFkk crk;k fd ;g izkstsDV fjikssVZ vkSj cSad yksu ls lacaf/kr dkxtkr gSa] bl rjg dbZ dksjs dkxtksa ij Hkh vukosndx.kksa us ifjoknhx.k ,oa ogka mifLFkr vU; fdlkuksa ds gLrk{kj djok, rFkk ifjoknhx.k ,oa vU; fdlkuksa ds iwNus ij mUgsa crk;k x;k fd _.k Lohd`fr] cht ,oa Qsaflax] iksy] cksjosYl vkfn dh iwfrZ ds le; vki yksxksa dks ckj&ckj gLrk{kj ds fy, ugha cqyk;k tk,xk] ml le; bUgha dkxtksa dk mi;ksx vko';drkuqlkj fy[kdj dj fy;k tkosxkA pwafd // 20 // ifjoknhx.k ,oa vU; d`"kd de i<+s fy[ks gksus ds dkj.k rFkk vkfFkZd :Ik ls le`} gksus dh ykylk esa vukosndx.kksa ij fo'okl djrs gq, muds dgs vuqlkj lHkh dkxtksa ij gLrk{kj dj fn,A ;gka ij Li"V djuk vko';d gS fd vukosndx.kksa }kjk lHkh fdlkuksa ls ,d lkFk ,d gh fnu lewg ds :Ik esa gLrk{kj djok, x;s ftu ij rkjh[k Hkh muds }kjk viuh lqfo/kkuqlkj vafdr fd;k x;k gSA** mijksDr ds ifj'khyu ls Li"V gksrk gS fd ifjoknhx.k vius dqy 4-29 gsDVs;j Hkwfe ij [ksrh djrs gq, vius ifjokj dk ikyu&iks"k.k djrs gSaA ikjaifjd d`f"k ls gVdj vnjd dh iSnkokj ysus ls dksbZ d`"kd O;kolkf;d ugha gks tkrk gS D;ksafd ifjoknhx.k us vius ifjokj ds ikyu&iks"k.k ds fy, ek= ikajifjd d`f"k ls gVdj iSnkokj fd;k gS vkSj bl laca/k esa ftyk Qksje us vius vkyksP; vkns'k dh dafMdk&22 esa ifjoknhx.k dks **miHkksDrk** dh Js.kh esa ugha ekudj =qfViw.kZ fu"d"kZ fudkyk gS tks fLFkj j[ks tkus ;ksX; ugha gSA 19- ifjoknhx.k us vius ifjokn esa ;g vfHkopu fd;k gS fd%& 1- ifjoknh o vU; fdlkuksa us feydj vukosndx.kksa ds fo:} iqfyl esa f'kdk;r ntZ djk;h ftlds vk/kkj ij Fkkuk cksjh] ftyk nqxZ ds }kjk vijk/k dzekad&07@2006 /kkjk&420] 467] 468] 471] 120ch] 34 Hkkjrh; n.M fo/kku dk vijk/k iathc} fd;k x;kA ;gka ij ;g Li"V djuk vko';d gS fd nqxZ ftys ds lktk] csesrjk] eksgu uxj Fkkus esa Hkh vukosndx.kksa ,oa muds vU; lkFkh 'ks[k ds fo:} mDr /kkjkvksa ds varxZr yxHkx vkB ekeys iathc} gSaA blh izdkj jktukanxkao ftys esa Hkh vukosndx.kksa ds fo:} // 21 // vijk/k iathc} fd;k x;k gS] bl izdkj vukosndx.kksa ds fo:} ifjoknhx.k ,oa vU; fdlkuksa ds lkFk fd, x, /kks[kk/kM+hiwoZd d`R; ds fo:} yxHkx 21 ekeys ntZ gSa ftlls ;g Li"V gksrk gS fd vukosndx.kksa }kjk mDr d`R; iwjh rjg lqfu;ksftr <ax ls] vyx&vyx ftyk esa fdlkuksa ds Hkksysiu ,oa 'kklu ds d`f"k vk/kkfjr uhfr;ksa dh [kkfe;ksa dk Qk;nk mBkrs gq, rFkk ifjoknhx.k ,oa vU; fdlkuksa ds lkFk Ny djrs gq, muds uke vU; fdlkuksa ds lkFk Ny djrs gq, muds uke ij _.k Lohd`r djkdj fofHkUu enksa esa vius }kjk dk;Z fd, fcuk gh vius fcyksa ,oa OgkÅpjksa ds ek/;e ls mDr dk;ksZa dh jkf'k izkIr dj yhA 2- pwafd vukosnd dz-1 ,oa 2 ds }kjk diViwoZd rjhds ls ifjoknhx.k ds uke ij _.k Lohd`r dj ifjoknhx.k dks izoafpr fd;k x;k ftlds ifj.kkeLo:Ik ifjoknhx.k ij 10]49]000@&¼nl yk[k mupkl gtkj :Ik;s½ ds _.k dh nsunkjh vk xbZ gS tks fd bl vukosnd ds }kjk dh xbZ ykijokghiwoZd d`R; ds dkj.k ifjoknhx.k dks ifj.kkfed gkfu _.k ds :Ik esa gqbZ gSA blh izdkj vukosnd dz-2] vukosnd dz-1 dk fu;ksftr deZpkjh jgk gS blfy, muds }kjk fd, x, vuqfpr rFkk diViwoZd laO;ogkj o d`R; ds fy, cSad vFkkZr~ vukosnd dz-1 ftEesnkj gSA 3- mDr nLrkostksa dk mi;ksx vukosndx.kksa ds lkFk feydj muds }kjk izLrqr QthZ fcyksa dks Lohd`r djrs gq, ,d gh fnu esa _.k Lohd`fr ,oa Lohd`r _.k ls vf/kd jkf'k dk Hkqxrku fcyksa ds vk/kkj ij dj fn;k x;k tcfd bu vukosndx.kksa dks ;g iw.kZ :Ik ls tkudkjh Fkh fd laiw.kZ dk;Zokgh QthZ gSA 4- bl izdkj vukosnd dz-1 ls ysdj 6 rd lHkh vukosndx.k }kjk fd, x, /kks[kk/kM+h iwoZd d`R; rFkk ykijokgh iwoZd joS;s ds dkj.k ifjoknh dks viw.khZ; {kfr igaqph gSA // 22 // 5- ifjoknhx.k dks _.k Lohd`fr ds Ik'pkr~ vukosndx.kksa dks QthZ fcy ds vk/kkj ij fcyksa dk Hkqxrku ds Ik'pkr~ ls rFkk iqfyl }kjk vijk/k iathc} fd, tkus ds ckn ls yxkrkj mRiUu gqvk gSA 6- mDr nLrkost ifjoknh dh ekax ij Fkkuk cksjh iqfyl }kjk nLrkost dh QksVks dkih djokdj iznku dh xbZ rFkk nLrkostksa dh ewy izfr vukosndx.k ;k Fkkuk cksjh ds dCts esa gksxhA** 20- ifjoknhx.k us vius mijksDr dFku esa ckj&ckj Hkkjrh; n.M fo/kku ds varxZr vijk/k iathc} fd;s tkus] /kks[kk/kM+h dk d`R;] diViwoZd laO;ogkj dk d`R;] QthZ fcy] laiw.kZ dk;Zokgh QthZ gS] nLrkostksa dh ewy izfr Fkkuk cksjh ds dCts esa gksxh] dk mYys[k fd;k gSA 21- Mittal Education Society Vs. Indian Overseas Bank I (2018) CPJ 394 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%&
21. Similarly, Hon'ble Supreme Court in TRAI Foods Ltd. v. National Insurance Company & Ors., III (2012) CPJ 17 (SC), has observed:
6. The only question to be decided is, when should this jurisdiction be exercised by the Commission. In our view the Commission should address itself to the quantity of the claim, the nature of the evidence which would be required to be submitted but in respect of the claim and the damage suffered and the nature of the legal issues before deciding that the matter out to be decided by the Civil Courts in the regular course. It is not disputed that the Consumer Forum has been set up to grant speedy remedy. The Consumer Forums have been given the responsibility of achieving this object. They were not meant to duplicate the Civil Court, and subject the // 23 // litigants to delays which have become endemic in the Civil Courts.
7. Although the reason given in the impugned order of the Commission for referring the present matter to the Civil Court is cryptic, we have been through the records filed before us and are satisfied that the Commission's decision was correct. There is no doubt having regard to the nature of the claim, the large amount of damages claimed, and the extensive inquiry into the evidence which would be necessary in order to resolve the disputes between the parties that this is not a matter to be dicided summarily at all."
22. It is important to note that in the present case more than 100 cheques are involved, which are stated to have been forged and payment received. The crimianal case has already been filed by the complainant society and the chargesheet has beeen filed against the accused Mr. Gaurav Aggarwal and chargesheet is likely to be filed against some more accused. This Commission in Bright Transport Co. v. Sangli Sahakari Bank Ltd., II (2012) CPJ 151 (NC), has observed the following:
"3. Yet another reason why we would discourage the complainant from approaching this Commission is that as per the complainants there are several acts of forgery for which a criminal trial is pending. The said case is yet to be decided and the decision of the criminal cases may have a bearing on the claims made by the complainants in these complaints. This Commission has consistently taken the view in the past that complaints which are based on allegations of fraud, forgery, etc. and trial of which would require voluminous evidence and consideration are not to be entertained by this Commission."
22- Mahesh Kumar vs. MG Motors I (2016) CPJ 110 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& // 24 // "9. As observed above, the complaint has been filed by the petitioner regarding fraudulent treachery committed by the respondent. Therefore, the fraudulent act committed by respondent if any, cannot be dealt by the Consumer Fora. For that purpose petitioner can approach the appropriate forum as available to him under the law." 23- Vishamber Sunderdas Badlani V. Indian Bank I (2008) CPJ 76 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "6. But, one could not be oblivious to observations of the Supreme Court in the judgment in SYNCO Industries v. State Bank of Bikaner & Jaipur & Ors., I (2002) SLT 214 = I (2002) CPJ 16 (SC) = (2002) 2 Supreme Court Cases 1. Following observations were made in this by the Hon'ble Supreme Court -
"3. Given the nature of the claim in the complaint and the prayer for damages in the sum of rupees fifteen crores and for an additional sum of rupees sixty lakh for covering the cost of travelling and other expenses incurred by the appellant, it is obvious that very detailed evidence would have to be led, both to prove the claim and thereafter to prove the damages and expenses. It is, therefore, in any event, not an appropriate case to be heard and disposed of in a summary fashion. The National Commission was right in giving to the appellant liberty to move the Civil Court. This is an appropriate claim for a Civil Court to decide and obviously was not filed before a Civil Court to start with because, before the Consumer Forum, any figure in damages can be claimed without having to pay the Court-fees. This in that sense is an abuse of the process of the Consumer Forum."
(Emphasis supplied).
8. In the case of Oriental Insurance Company Ltd. v. Muni Mahesh Patel, IV (2006) CPJ 1 (SC) = VI (2006) SLT 436 = 2006 (134) Company Cases 103 (SC), there was simple dispute relating to // 25 // the claim whether the respondent's wife was a teacher or not. The Supreme Court has made the following observations :
"The Commission noted that the specific stand of the appellant was that there was mis-declaration in the proposal form and the false claim that the respondent's wife was a teacher which as now appears is not the correct position. It is also accepted that she was really not a teacher.
Proceedings before the Commission are essentially summary in nature and adjudication of issues which involve disputed factual questions should not be adjudicated. It is to be noted that the Commission accepted that the insured was not a teacher. The complainant raised a dispute about the genuineness of the documents (i.e. proposal forms) produced by the appellant.
The Commission having accepted that there was wrong declaration of the nature of occupation of the person insured, should not have granted the relief in the manner done. The nature of proceedings before the Commission as noted above, are essentially in summary nature. The factual position was required to be established by documents. The Commission was required to examine whether in view of the disputed facts it would exercise the jurisdiction. The State Commission was right in its view that the complex factual position requires that the matter should be examined by an appropriate Court of law and not by the Commission.
(Emphasis supplied)
9. There could not be any dispute with the proposition submitted by the learned Counsel for the complainant that civil and criminal proceedings were two separate proceedings and were totally independent in nature and one would not affect the others. In the case of Kishore Lal v. Chairman Employees'State Insurance Corp., I (2008) CPJ 13 (SC) = (2007) 4 SCC 579, the following observations are referred to :
"17. It has been held in numerous cases of this Court that the jurisdiction of a Consumer Forum has to be construed // 26 // liberally so as to bring many cases under it for their speedy disposal. In Spring Meadows Hospital v. Harjol Ahluwalia it was held that the CP Act creates a framework for speedy disposal of consumer disputes and an attempt has been made to remove the existing evils of the ordinary Court system. The act being a beneficial legislation should receive a liberal construction. In State of Karnataka v. Vishwabharathi House Building Coop. Society, the Court speaking on the jurisdiction of the Consumer Fora held that the provisions of the said Act are required to be interpreted as broadly as possible and the For a under the CP Act have jurisdiction to entertain a complaint despite the fact that other Fora/Courts would also have jurisdiction to adjudicate upon the lis. These judgments have been cited with approval in paras 16 and 17 of the judgment in Secy. Thirumurugan Coop. Agricultural Credit Society v. M. Lalitha. The trend of the decisions of this Court is that the should not and would not be curtailed unless there is an express provision prohibiting the Consumer Forum to take up the matter which falls within the jurisdiction of Civil Court of any other Forum as established under some enactment. The Court had gone to the extent of saying that if two different Fora have jurisdiction to entertain the dispute in regard to the same subject, the jurisdiction of the Consumer Forum would not be barred and the power of the Consumer Forum to adjudicate upon the dispute could not be negated.'' (Emphasis supplied)
13. It may be mentioned that this Commission in a number of cases considered similar question. In the case of NEPA Ltd. v. Madhya Pradesh Electricity Board, I (2003) CPJ 138 (NC), the following observations were made by the National Commission:
''The Claim had been denied by the opposite party. On the face of the complaint no argument is needed to show that a great deal of evidence both oral and documentary would be required for the complainant to prove its case and the claim would even otherwise show that complicated questions of facts and law // 27 // would arise which is not possible for the National Commission to decide in its summary jurisdiction. Supreme Court in the case of Synco. Industries v. State Bank of Bikaner and Jaipur & Ors., I (2002) 2 SCC 1. held that such types of cases cannot be decided in summary jurisdiction of Consumer Forum. In Civil Court parties will have full opportunity to lead evidence. Consumer Forum is not meant to try the cases like the present one. In another case of Dr. J.J. Merchant & Ors. v. Shrinath Chaturvedi, III (2002) CPJ 8 (SC)=IV (2002) SLT 714= JT 2002 (6) SCC 1, Supreme Court had held there is no difficulty for the National Commission to decide such cases involving complicated questions of law and facts. In that case the Supreme Court was considering the argument of the opposite parties - doctors that complaint which are pending against them since 1994 should be relegated to Civil Court as complicated questions of law and facts would arise. But then it is left to the wisdom of the National Commission to take up...........or not. The case like the present one should be left to be decided by the Civil Court.'' (Emphasis supplied)
14. This Commission in the case of R.D. Papers Ltd. v. New India Assurance Co. Ltd. & Ors., I (2004) CPJ 101 (NC), observed as under:
"After going through the complaint and the written version, it appears to us that the complaint raised complicated questions of facts which cannot be decided by us in our summary jurisdiction. It may be though the amount in this case is in few lakhs and when we are receiving complaints involving crores of rupees, but then enormous evidence would be required in the present case especially in respect of allegation of forgery made by the complainant and denied by the Insurance Company. "
(Emphasis supplied) // 28 //
18. In Lalco Enterprises v. Union Bank of India, III 2003 CPJ 42 (NC) also 25 cheques allegedly forged were enchased. This Commission observed that it was difficult to go into question of genuine signatures of the withdrawal of each and every cheque and to get the report from Hand Writing Expert from either side." 24- ifjoknh us vius ifjokn&i= dh dafMdk&4 esa ;g vfHkopu fd;k gS fd ifjoknh ,oa vU; fdlkuksa us feydj vukosndx.k ds fo:} iqfyl esa f'kdk;r ntZ djkbZ Fkh ftlds vk/kkj ij Fkkuk cksjh] ftyk nqxZ esa vijk/k dzekad&07@2006 /kkjk&420] 467] 468] 471 ,oa 120 ch] 34 Hkkjrh; n.M lafgrk dk vijk/k iathc} fd;k x;k gS vkSj Fkkuk lktk] csesrjk] eksgu uxj esa Hkh vukosndx.k ds fo:} yxHkx 08 ekeys iathc} gS vkSj bl izdkj 21 nkf.Md izdj.k iathc} fd;k x;k gSA ifjoknh dh vksj ls Fkkuk cksjh ds vijk/k dzekad&07@2006] iapukek vkfn izLrqr fd;k x;k gS vkSj mHk;i{k us ;g Hkh O;Dr fd;k Fkk fd vHkh Hkh nkf.Md izdj.k U;kf;d eftLVsªV izFke Js.kh] nqxZ ds U;k;ky; esa yafcr gSA mHk;i{k us bl vk;ksx ds le{k Hkh izdV fd;k Fkk fd U;kf;d eftLVsªV] izFke Js.kh] nqxZ ds U;k;ky; esa nkf.Md izdj.k vHkh Hkh yafcr gS vkSj i{kdkjksa ds }kjk jkthukek ds fy, le; Hkh fy;k tkrk jgk gSA blls Li"V gS fd blh okn fo"k; ds laca/k esa vukosndx.k ds fo:} Ny] dwVjpuk dk vijk/k yafcr gS ftlesa foLr`r lk{; dh vko';drk gS vkSj ,slh fLFkfr esa izdj.k dk fopkj.k laf{kIr izfdz;k ds varxZr fd;k tkuk laHko ugha gS vkSj fof/k dk tfVy iz'u fufgr gS vkSj ,slh fLFkfr esa ifjoknh ds fy, ;g vko';d gks tkrk gS fd og leqfpr // 29 // vuqrks"k izkIr djus ds fy, l{ke {ks=kf/kdkj j[kus okys flfoy U;k;ky; ds le{k okn lafLFkr djsA 25- bl laca/k esa ifjoknhx.k dh vksj ls Fkkuk izHkkjh dks fn, x, vkosnu ¼,usD'pj ,&11½] tIrh i=d ¼,usD'pj ,&12½] iapukek ¼,usD'pj ,&13½ izLrqr fd;k x;k gS ftuds ifj'khyu ls Hkh Li"V gksrk gS fd bl izdj.k esa foLr`r lk{; dh vko';drk gksxh rFkk rF; ,oa fof/k laca/kh iz'u vUrZfufgr gSa vkSj mls laf{kIr fopkj.k izfdz;k ds rgr fujkd`r ugha fd;k tk ldrk gS vkSj foLr`r lk{; dh vko';drk gSA 26- ,slh fLFkfr esa ftyk Qksje }kjk laf{kIr fopkj.k ds rgr izdj.k dk fujkdj.k ugha fd;k tk ldrk gSA ftyk Qksje }kjk vius vkns'k dh dafMdk&23 esa ;g fu"d"kZ fudkyus ds ckn **,sls ekeys esa foLr`r tkap dh vko';drk gksrh gS vkSj ,sls ekeys dk laf{kIr fopkj.k Hkh ugha gks ldrk gS] vr% bl vk/kkj ij Hkh ;g ekeyk bl Qksje esa pyus ;ksX; ugha ekuk tk ldrk gS** izdj.k ds xq.k&nks"k ij foospuk dj fu"d"kZ fudkyk x;k gS tks =qfViw.kZ gksus ls fLFkj j[ks tkus ;ksX; ugha gSA 27- mijksDr foospuk ds ifjizs{; ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad&09 ebZ 2016 fujLr fd;k tkrk gS ,oa [email protected] dh vksj ls izLrqr vihy bl Lora=rk ds lkFk fujkd`r fd;k tkrk gS fd [email protected] l{ke {ks=kf/kdkj j[kus okys flfoy U;k;ky; esa okn lafLFkr dj ldrs gSa vkSj ifjokn ,oa // 30 // bl vihy dks vfHk;ksftr djus esa tks le; O;rhr gqvk gS mldk ykHk ikus ds vf/kdkjh [email protected] gksaxAs izdj.k dh ifjfLFkfr dks ns[krs gq, bl vihy dk O;; i{kdkj viuk&viuk ogu djsaxsA ¼U;k;ewfrZ vkj-,l-'kekZ½ ¼Mh- ds- iksn~nkj½ ¼ujsanz xqIrk½ v/;{k lnL; lnL;
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