State Consumer Disputes Redressal Commission
Om Prakash Sharma vs Branch Manager State Bank Of India & ... on 17 February, 2026
Appeal No. Om Prakash Sharma Order Pronounced
SC/22/A/720/2024 Vs. on 17 .02.2026
Bhartiya State Bank & Ors.
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miHkksDrk fookn Áfrrks"k vk;ksx] iaMjh] jk;iqj lafLFkr fnukad&29-11-2024 vafre rdZ fnukad&19-01-2026 vkns'k fnukad&17@02@2026- vihy Øekad%& SC/22/A/720/2024 vkseizdk'k 'kekZ] firk Jh vkj- lh- 'kekZ] irk&Hkw[k.M Ø-&1935&1936] MkW- vkj- ih- uxj] dkslkckM+h dksjck] Fkkuk] rglhy o ftyk&dksjck ¼N-x-½ ¼}kjk Jh Mh- nRrk ,oa Jh Ogh- ds- jko] vf/koDrkx.k okLrs vihykFkhZ½
---------------------- vihykFkhZ@ifjoknh-
fo:)
1- Hkkjrh; LVsV cSad
}kjk lgk;d egkizca/kd] Hkkjrh; LVsV cSad]
RASMECCC 'kk[kk] Vh- ih- uxj dksjck] ftyk&dksjck¼N-x-½ 2- Hkkjrh; LVsV cSad] }kjk &'kk[kk izca/kd] Hkkjrh; LVsV cSad 'kk[kk ?kaVk?kj pkSd] ,e- ih- uxj] Fkkuk] rglhy o ftyk&dksjck¼N-x-½ ¼}kjk Jh jkts'k frokjh] vf/koDrk okLrs mRrjoknh Ø-&1 ,oa 2½
---------------------- mRrjoknh Ø-&1 ,oa 2@fo:) i{kdkj Ø-&1 ,oa 2-
3- vt; dqekj 'kekZ firk Jh vkj- lh- 'kekZ irk&Hkw[k.M Ø-&223] bafnjk fogkj] Vh- ih- uxj] Fkkuk] rglhy o ftyk&dksjck¼N-x-½ ¼}kjk Jh Vh- vkj- iVsy] vf/koDrk okLrs mRrjoknh Ø-&3½
---------------------- mRrjoknh Ø-&3@fo:) i{kdkj Ø-&3- le{k% ekuuh; U;k;ewfrZ Jh xkSre pkSjfM+;k] v/;{k-
ekuuh; Jh izeksn dqekj oekZ] lnL;-
vafre rdZ esa mifLFkr& vihykFkhZ dh vksj ls Jh Mh- nRrk ,oa Jh Ogh- ds- jko] vf/koDrkx.kA mRrjoknh Ø-&1 ,oa 2 dh vksj ls Jh jkts'k frokjh] vf/koDrkA mRrjoknh Ø-&3 dh vksj ls Jh Vh- vkj- iVsy] vf/koDrkA vkns'k ¼ }kjk& izeksn dqekj oekZ] lnL; ½ vihykFkhZ@ifjoknh uss ;g vihy /kkjk&41 miHkksDrk laj{k.k vf/kfu;e] 2019 ds varxZr ftyk miHkksDrk fookn izfrrks"k vk;ksx] dksjck¼N-x½ ¼ftls vkxs Dismissed Page 1 of 12 Appeal No. Om Prakash Sharma Order Pronounced SC/22/A/720/2024 Vs. on 17 .02.2026 Bhartiya State Bank & Ors.
laf{kIr esa **lacaf/kr ftyk vk;ksx** lacksf/kr fd;k tk,xk½ }kjk ifjokn izdj.k dzekad&lhlh@22@51 i{kdkj ^^vkseizdk'k 'kekZ fo:) Hkkjrh; LVsV cSad o vU;** esa ikfjr vkns'k fnukad&30-09-2024 ftlds }kjk vihykFkhZ@ifjoknh ds ifjokn dks fujLr fd;k x;k gS] ls {kqC/k gksdj izLrqr fd;k gSA 02- lacfa /kr ftyk vk;ksx ds le{k vihykFkhZ@ifjoknh dk ifjokn laf{kIr esa bl izdkj jgk gS fd vihykFkhZ@ifjoknh ds cMs+ HkkbZ mRrjoknh Ø-&3@fo:) i{kdkj Ø-&3 }kjk foRrh; _.k ij okgu Ø; fd;k x;k Fkk ftlds ,ot esa bZ- ,e- vkbZ- fnukad&10-12-2017 ls 6]375@&¼N% gtkj rhu lkS ipgRrj :i;s½ dh dVkSrh mRrjoknh Ø-&1@fo:) i{kdkj Ø-&1 ds }kjk vihykFkhZ@ifjoknh ds cpr [kkrk ls fd;k x;k gS] tcfd vihykFkhZ@ifjoknh }kjk mRrjoknh Ø- &1 ,oa 2@fo:) i{kdkj Ø-&1 ,oa 2 ls fdlh Hkh izdkj dk okgu Qk;usal ugha djk;k x;k gSA vihykFkhZ@ifjoknh }kjk vius [kkrs esa bZ-,e-vkbZ- dh dVkSrh fd;s tkus ds lac/a k esa mRrjoknh Ø-&1@fo:) i{kdkj Ø-&1 dks fdlh izdkj dh dksbZ lgefr iznku ugha dh xbZ Fkh vkSj u gh mDr okgu ds Qk;usl a fd;s tkus ds laca/k esa tekurnkj ¼xkjaVj½ crkSj viuh fyf[kr lgefr iznku fd;k Fkk vkSj u gh gLrk{kj fd;k FkkA blds ckotwn vihykFkhZ@ifjoknh ds [kkrs ls 40 ekg rd 6]375@&¼N% gtkj rhu lkS ipgRrj :i;s½ dh nj ls dqy 2]55]000@&¼nks yk[k ipiu gtkj :i;s½ dkj yksu ds ,ot esa bZ - ,e- vkbZ- dh dVkSrh mRrjoknhx.k@fo:) i{kdkjx.k dh feyhHkxr dks nf'kZr djrk gSA vihykFkhZ@ifjoknh }kjk mDr ds laca/k esa dbZ txg f'kdk;r fd;s tkus ds ckn mRrjoknh Ø-&1@fo:) i{kdkj Ø-&1 ds }kjk fnukad&04-09- 2021 dks 50]000@&¼ipkl gtkj :i;s½ vihykFkhZ@ifjoknh ds [kkrs esa [kkrk Øekad&10427228836 ls VªkalQj ds ek/;e ls tek djk;k x;k ftlls ;g lqLi"V gS fd mRrjoknhx.k@fo:) i{kdkjx.k ds }kjk tkucw>dj ,d&nw ljs Dismissed Page 2 of 12 Appeal No. Om Prakash Sharma Order Pronounced SC/22/A/720/2024 Vs. on 17 .02.2026 Bhartiya State Bank & Ors.
ls feyh Hkxr dj "kM;a= iwoZd vihykFkhZ@ifjoknh ds [kkrk ls 2]55]000@&¼nks yk[k ipiu gtkj :i;s½ dk vkgj.k xSj dkuwuh rjhds ls fd;k x;k gSA vihykFkhZ@ifjoknh }kjk fyf[kr esa ,d f'kdk;r i= Jheku~ iqfyl v/kh{kd egksn;] dksjck dks fnukad&07-09-2021 dks is'k fd;k x;kA mDr ds lac/a k esa pkSdh izHkkjh] iqfyl pkSdh lh,lbZch pkSd] dksjck ds }kjk tkWp dk;Zokgh ds nkSjku cSad ls tkudkjh ekaxh xbZ ftl ij lacaf/kr cSad }kjk fnukad&20-07-2021 dks tkudkjh nh xbZ fd 'ks"k _.k jkf'k ,oa :i;s 2]05]000@&¼nks yk[k ikap gtkj :i;s½ ftls vihykFkhZ@ifjoknh dks okil fd;k tkuk gS] ds Hkqxrku dk nkf;Ro mRrjoknh Ø-&3@fo:) i{kdkj Ø-&3 dk gS] bl lac/a k esa ^^cSad }kjk mRrjoknh Ø-&3@fo:) i{kdkj Ø-&3 dks i= ds ek/;e ls voxr djk;k tk pqdk gS] ds Vhi ds lkFk lacfa /kr pkSdh dks fnukad&20-07-2021 izsf"kr fd;k x;k** ftl ij lacaf/kr pkSdh }kjk iqfyl gLr{ksi& vk;ksX; vijk/k dh lwpuk izsf"kr dj U;k;ky; tkus dh lykg nh xbZA ftlds dkj.k vihykFkhZ@ifjoknh dks ;g ifjokn ykus dh vko';drk iM+h gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnyk;s tkus dk fuosnu fd;k gSA 03- mRrjoknh Ø-&1@fo:) i{kdkj Ø-&1 dh vksj ls lacfa /kr ftyk vk;ksx ds le{k fyf[kr dFku izLrqr dj ;g cpko fy;k gS fd mRrjoknh Ø- &1@fo:) i{kdkj Ø-&1 Hkkjrh; LVsV cSad }kjk vihykFkhZ@ifjoknh ds lkFk fdlh izdkj dk dksbZ nLrkost fu"ikfnr ugha fd;k x;k FkkA Hkkjrh; LVsV cSad fjtoZ cSad vkWQ bafM;k ds fu;e ds vuqlkj dk;Z djrk gSA Hkkjrh; LVsV cSad us fof/k lEer gksdj fd'r jkf'k izkIr dh gSA Hkkjrh; LVsV cSad ds }kjk fof/kor~ vihykFkhZ@ifjoknh ds fyf[kr i=ksa dk tokc izLrqr fd;k x;k FkkA vihykFkhZ@ifjoknh ds }kjk iqfyl pkSdh esa f'kdk;r ntZ fd;s tkus ds i'pkr~ fof/kor~ lh,lch iqfyl pkSdh }kjk /kkjk&155 n-iz-la- dk izfrosnu fn;k x;k Fkk Dismissed Page 3 of 12 Appeal No. Om Prakash Sharma Order Pronounced SC/22/A/720/2024 Vs. on 17 .02.2026 Bhartiya State Bank & Ors.
ftlesa Li"V :i ls dFku fd;k x;k gSA mRrjoknh Ø-&1@fo:) i{kdkj Ø- &1 ds }kjk vihykFkhZ@ifjoknh ds [kkrs dh jde ugha dkVh xbZ gSA mRrjoknh Ø-&1@fo:) i{kdkj Ø-&1 ds laLFkku esa vihykFkhZ@ifjoknh dk [kkrk ugha gSA mRrjoknh Ø-&1@fo:) i{kdkj Ø-&1 ds dkj.k vihykFkhZ@ifjoknh dks dksbZ {kfr ugha gqbZ gSA vihykFkhZ@ifjoknh ds }kjk mRrjoknh Ø-&1@fo:) i{kdkj Ø-&1 dks fof/k foijhr rF;ksa ds vk/kkj ij i{kdkj izfrLFkkfir fd;k gS ] tcfd mRrjoknh Ø-&1@fo:) i{kdkj Ø-&1 ds laLFkku esa vihykFkhZ@ifjoknh dk dksbZ [kkrk ugha gSA mRrjoknh Ø-&3@fo:) i{kdkj Ø-&3 vt; 'kekZ dks dkj _.k 4]00]000@&¼pkj yk[k :i;s½ fnukad&30-11-2017 dks Lohd`r fd;k x;k Fkk ftlds i'pkr~ lu~ 2021 rd 40 fd'r dh jkf'k fnukad&10-03-2021 rd fu;fer :i ls izkIr gksrh jgh ftlds i'pkr~ vkseizdk'k 'kekZ ds }kjk vkosnu i= fn;s tkus ds i'pkr~ mRrjoknh Ø-&3@fo:) i{kdkj Ø-&3 ds [kkrs ls dVkSrh dj jde 50]000@&¼ipkl gtkj :i;s½ vihykFkhZ@ifjoknh ds [kkrs esa varfjr fd;k x;kA lu~ 2017 ds i'pkr~ varj.k ds fo"k; esa vihykFkhZ@ifjoknh }kjk dksbZ vkifRr ugha dh xbZ ftlls Li"V gS fd vihykFkhZ@ifjoknh dh ekSu Lohd`fr nf'kZr gksrh gS rFkk vihykFkhZ@ifjoknh }kjk ekuuh; vk;ksx ds le{k izLrqr fd;k x;k vkosnu i= fof/kd le;kof/k ds varxZr ugha gS rFkk vihykFkhZ@ifjoknh us ekuuh; vk;ksx ds le{k fof/kd rF;ksa dks Nqikrs gq, vkosnu i= izLrqr fd;k gS tks fd miHkksDrk vk;ksx ds {ks=kf/kdkj ds varxZr u gksdj O;ogkj U;k;ky; ds {ks=kf/kdkj dk izdj.k gSA mRrjoknh Ø-&1@fo:) i{kdkj Ø-&1 ds dkj.k vihykFkhZ@ifjoknh dks dksbZ vkfFkZd {kfr ugha gqbZ gS vkSj uk gh 'kkjhfjd o ekufld {kfr gqbZ gSA vr% vihykFkhZ@ifjoknh }kjk izLrqr ifjokn lO;; fujLr fd;s tkus dk fuosnu fd;k x;k gSA Dismissed Page 4 of 12 Appeal No. Om Prakash Sharma Order Pronounced SC/22/A/720/2024 Vs. on 17 .02.2026 Bhartiya State Bank & Ors.
04- mRrjoknh Ø-&2@fo:) i{kdkj Ø-&2 dh vksj ls lacfa /kr ftyk vk;ksx ds le{k fyf[kr dFku izLrqr dj ;g cpko fy;k gS fd mRrjoknh Ø- &2@fo:) i{kdkj Ø-&2 Hkkjrh; LVsV cSad }kjk vihykFkhZ@ifjoknh ds lkFk fdlh izdkj dk dksbZ nLrkost fu"ikfnr ugha fd;k x;k FkkA Hkkjrh; LVsV cSad fjtoZ cSad vkWQ bafM;k ds fu;e ds vuqlkj dk;Z djrk gS vihykFkhZ@ifjoknh dks dksbZ vkfFkZd ekufld {kfr ugha igqWpkbZ xbZ gSA vihykFkhZ@ifjoknh ds }kjk fof/k foijhr rF;ksa ds vk/kkj ij vkosnu i= izLrqr fd;k x;k gSA vihykFkhZ@ifjoknh ds }kjk iqfyl pkSdh esa f'kdk;r ntZ fd;s tkus ds i'pkr~ fof/kor~ lh,lbZch iqfyl pkSdh }kjk /kkjk&155 n-iz-la- dk izfrosnu fn;k x;k Fkk ftlesa Li"V :i ls dFku fd;k x;k gSA mRrjoknh Ø-&2@fo:) i{kdkj Ø-&2 ds }kjk vihykFkhZ@ifjoknh ds [kkrs dh jde ugha dkVh xbZ gSA mRrjoknh Ø-&2@fo:) i{kdkj Ø-&2 ds laLFkku esa vihykFkhZ@ifjoknh dk [kkrk ugha gSA mRrjoknh Ø-&2@fo:) i{kdkj Ø-&2 ds dkj.k vihykFkhZ@ifjoknh dks dksbZ {kfr ugha gqbZ gSA vihykFkhZ@ifjoknh ds }kjk mRrjoknh Ø-&2@fo:) i{kdkj Ø-&2 dks fof/k foijhr rF;ksa ds vk/kkj ij i{kdkj izfrLFkkfir fd;k gS] tcfd mRrjoknh Ø-&2@fo:) i{kdkj Ø-&2 ds laLFkku esa vihykFkhZ@ifjoknh dk dksbZ [kkrk ugha gSA vihykFkhZ@ifjoknh o mRrjoknh Ø-&3@fo:) i{kdkj Ø-&3 ds e/; ikfjokfjd fookn gSA mRrjoknh Ø-&2@fo:) i{kdkj Ø-&2 ds dkj.k vihykFkhZ@ifjoknh dks dksbZ vkfFkZd {kfr ugha gqbZ gS vkSj uk gh 'kkjhfjd o ekufld {kfr gqbZ gSA vr% vihykFkhZ@ifjoknh }kjk izLrqr ifjokn lO;; fujLr fd;s tkus dk fuosnu fd;k x;kA 05- mRrjoknh Ø-&3@fo:) i{kdkj Ø-&3 dh vksj ls lacfa /kr ftyk vk;ksx ds le{k fyf[kr dFku izLrqr dj ;g cpko fy;k gS fd vihykFkhZ@ifjoknh ds Dismissed Page 5 of 12 Appeal No. Om Prakash Sharma Order Pronounced SC/22/A/720/2024 Vs. on 17 .02.2026 Bhartiya State Bank & Ors.
cMs+ HkkbZ mRrjoknh Ø-&3@fo:) i{kdkj Ø-&3 }kjk foRrh; _.k ij okgu Ø; fd;k x;k FkkA vihykFkhZ@ifjoknh ,d i<+k fy[kk O;fDr gS tks lh- ,l- bZ- ch- esa bathfu;j ds in ij inLFk gSA mlds [kkrs ls igys ekg esa ekfld fdLr dh dVkSrh fd;s tkus ij rRdky jksd yxok ldrk Fkk] ijarq mlds }kjk jksd ugha yxokbZ xbZA vkosnu i= ds voyksdu ls Li"V gS fd vihykFkhZ@ifjoknh dks dksbZ vkifRr ugha gksus ds dkj.k yxkrkj 40 ekg rd mlds [kkrs ls fuckZ/k :i ls dVkSrh gksrh jgh gSA fnukad& 12-03-2021 dks vihykFkhZ@ifjoknh }kjk mRrjoknh Ø-&1@fo:) i{kdkj Ø-&1 dks fn;s x;s vkosnu esa Hkh ekfld fd'r dh dVkSrh fd;s tkus ds laca/k esa dksbZ vkifRr ugha dh xbZ gS] cfYd dqN vifjgk;Z dkj.kks ls ekfld fd'rks dh dVkSrh fd;s tkus ij jksd yxk;s tkus dk vuqjks/k fd;k x;k gSA bl izdkj vihykFkhZ@ifjoknh dks mDr ekfld fd'r dh dVkSrh gksus dh iw.kZ tkudkjh Fkh] ftl ij mUgsa dksbZ vkifRr Hkh ugha FkhA vihykFkhZ@ifjoknh] mRrjoknh Ø-&3@fo:) i{kdkj Ø-&3 dk ^^miHkksDrk** ugha gSA vihykFkhZ@ifjoknh }kjk mRrjoknh Ø- &3@fo:) i{kdkj Ø-&3 ds lac/a k esa dksbZ dFku ugha fd;k x;k gSA vr% vihykFkhZ@ifjoknh }kjk izLrqr ifjokn lO;; fujLr fd;s tkus dk fuosnu fd;k x;k gSA 06- lacfa /kr ftyk vk;ksx us mHk;i{k dh vksj ls izLrqr vfHkopu] 'kiFk&i= ,oa nLrkosth lk{; dh foospuk i'pkr~ vihykFkhZ@ifjoknh ds ifjokn dks fujLr fd;k gS ftlds fo:} ;g vihy gSA 07- vihykFkhZ@ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrkx.k Jh Mh- nRrk ,oa Jh th- Ogh- ds- jko us fyf[kr rdZ izLrqr dj ;g dFku fd;k gS fd ekuuh; ftyk vk;ksx }kjk vihykFkhZ@ifjoknh ds ifjokn ,oa nLrksotksa dk mfpr :i ls ewY;kadu o fo'ys"k.k u dj f'kdk;r &i= esa mYysf[kr rF;ksa Dismissed Page 6 of 12 Appeal No. Om Prakash Sharma Order Pronounced SC/22/A/720/2024 Vs. on 17 .02.2026 Bhartiya State Bank & Ors.
,oa nLrkostksa ds fo:) vkns'k ikfjr fd;k gS tks fd fujLr fd;s tkus ;ksX; gSA vihykFkhZ@ifjoknh] mRrjoknh Ø-&1@fo:) i{kdkj Ø-&1 dk ^^miHkskDrk** gS] D;ksfa d vihykFkhZ@ifjoknh dk cSad [kkrk mRrjoknh Ø-&1@fo:) i{kdkj Ø-&1 cSad esa gS rFkk mldk lapkyu Hkh vihykFkhZ@ifjoknh }kjk fd;k tkrk gSA ,slh fLFkfr esa vihykFkhZ@ifjoknh] miHkksDrk laj{k.k vf/kfu;e ds izko/kkukuqlkj ^^miHkksDrk** gSA mRrjoknh Ø-&1 ,oa 2@fo:) i{kdkj Ø-&1 ,oa 2 ,d gh laLFkk gS rFkk fookfnr ekfld fd'r dh jkf'k mRrjoknh Ø- &1@fo:) i{kdkj Ø-&1 }kjk vihykFkhZ@ifjoknh ds [kkrs ls dVkSrh djkrs gq;s mRrjoknh Ø-&3@fo:) i{kdkj Ø-&3 ds [kkrs ds ek/;e ls yxkrkj izkIr fd;k tkrk jgk gS rFkk mlds }kjk mDr jkf'k dks mRrjoknh Ø-&3@fo:) i{kdkj Ø-&3 okgu _.k [kkrs esa lek;ksftr fd;k tkrk jgk gS rnkuqlkj Hkh vihykFkhZ@ifjoknh] mRrjoknh Ø-&1 ,oa 2@fo:) i{kdkj Ø-&1 ,oa 2 dk ^^miHkksDrk** gS rFkk muds }kjk lsok;sa nh xbZ gSA mRrjoknh Ø-&3@fo:) i{kdkj Ø-&3] vihykFkhZ@ifjoknh dh vksj ls izLrqr ifjokn esa mfpr ,oa vko';d i{kdkj gS] D;ksfa d xq.k&nks"kksa ds vk/kkj ij izdj.k ds lE;d fujkdj.k ds fy;s mRrjoknh Ø-&3@fo:) i{kdkj Ø-&3 dks ifjokn&i= esa i{kdkj ds :i esa la;ksftr fd;k tkuk vko';d jgk gSA ekuuh; ftyk vk;ksx }kjk vius vkns'k dh dafMdk&20 esa vihykFkhZ@ifjoknh ,oa mRrjoknhx.k@fo:) i{kdkjx.k ds e/; ^^miHkksDrk** ,oa ^^lsok iznkrk** dk laca/k izekf.kr u gksus ls lacaf/kr fu"d"kZ] rF; ,oa vf/kfu;e ds izko/kku ds fo:) gSA ekuuh; ftyk vk;ksx dks ;g ekuuk Fkk fd mRrjoknh Ø-&1 ,oa 2@fo:) i{kdkj Ø-&1 ,oa 2 cSad esa vihykFkhZ@ifjoknh dk Hkh cpr [kkrk lapkfyr gS ftlls mijksDrkuqlkj laO;ogkj gksrk jgk gSA ekuuh; ftyk vk;ksx dks ;g Hkh ns[kuk o fopkj djuk Fkk fd vihykFkhZ@ifjoknh dh vksj ls mRrjoknh Ø-&1@fo:) i{kdkj Ø-&1 ds le{k f'kdk;r fd;s tkus ij mlds }kjk fnukad&04-09-2021 Dismissed Page 7 of 12 Appeal No. Om Prakash Sharma Order Pronounced SC/22/A/720/2024 Vs. on 17 .02.2026 Bhartiya State Bank & Ors.
dks 50]000@&¼ipkl gtkj :i;s½ vihykFkhZ@ifjoknh dks [kkrk Øekad&10223645318 ls VªkalQj ds ek/;e ls tek Hkh djk;k x;k gSA bl izdkj ;g Li"V gS fd mRrjoknh Ø-&1 ,oa 2@fo:) i{kdkj Ø-&1 ,oa 2 }kjk u dsoy vihykFkhZ@ifjoknh dks nh tkus okyh lsok esa deh o dnkpj.k ;qDr O;olk; fd;k x;k gSA vihykFkhZ@ifjoknh dh vksj ls mlds [kkrs esa mRrjoknh Ø-&3@fo:) i{kdkj Ø-&3 ds okgu _.k [kkrs ds laca/k esa ekfld fdLrksa dh dVkSrh ckcr~ u rks dksbZ lgefr vFkok funsZ'k fn;k x;k gS vkSj u gh tekurnkj ds :i esa dksbZ nLrkost gh fu"ikfnr fd;k x;k gSA ,slh fLFkfr esa ;g Li"V gS fd mRrjoknh Ø-&1 ,oa 2@fo:) i{kdkj Ø-&1 ,oa 2 }kjk fcuk fdlh vk/kkj vFkok lgefr ds mlds cSad [kkrs ls fu;fer :i ls ekfld fdLrksa dh dVkSrh djk;k x;k tks fd muds dnkpj.k ;qDr O;olk; ,oa lsok esa deh dks n'kkZrk gS] fdarq ekuuh; ftyk vk;ksx }kjk mDr rF;ksa dh vuns[kh djrs gq, fof/k fo:) vkns'k ikfjr fd;k x;k gS tks fLFkj j[ksa tkus ;ksX; ugha gSA vr% vihy Lohdkj dj okafNr vuqrks"k fnyk;s tkus dk fuosnu fd;k x;k gSA 08- mRrjoknh Ø-&1 ,oa 2@fo:) i{kdkj Ø-&1 ,oa 2 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh jkts'k frokjh us fyf[kr rdZ is'k dj lacfa /kr ftyk vk;ksx }kjk ikfjr vkns'k dk leFkZu djrs gq, vihy vikLr fd;s tkus dk fuosnu fd;k gSA 09- mRrjoknh Ø-&3@fo:) i{kdkj Ø-&3 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh Vh- vkj- iVsy us fyf[kr rdZ is'k dj lacaf/kr ftyk vk;ksx }kjk ikfjr vkns'k dk leFkZu djrs gq, vihy vikLr fd;s tkus dk fuosnu fd;k gSA Dismissed Page 8 of 12 Appeal No. Om Prakash Sharma Order Pronounced SC/22/A/720/2024 Vs. on 17 .02.2026 Bhartiya State Bank & Ors.
10- geus mHk;i{k ds fo}ku vf/koDrkx.k ds vafre rdZ Jo.k fd, rFkk lacfa /kr ftyk vk;ksx }kjk izdj.k dzekad&lh-lh-@22@51 esa ikfjr vkns'k fnukad&30-09-2024 ,oa ewy vfHkys[k dk voyksdu fd;kA 11- izdj.k esa izLrqr vfHkopu] 'kiFk&i= ,oa nLrkostksa ds voyksdu mijkar ge ;g ikrs gSa fd vihykFkhZ@ifjoknh ds cMs+ HkkbZ mRrjoknh Ø-&3@fo:) i{kdkj Ø-&3 }kjk foRrh; _.k izkIr dj okgu Ø; fd;k Fkk ftldh bZ - ,e- vkbZ- fnukad&10-12-2017 ls 6]375@&¼N% gtkj rhu lkS ipgRrj :i;s½ vihykFkhZ@ifjoknh ds cpr [kkrk ls dVkSrh fd;k tk jgk Fkk] tcfd vihykFkhZ@ifjoknh }kjk mRrjoknh Ø-&1 ,oa 2@fo:) i{kdkj Ø-&1 ,oa 2 ls u rks okgu Qk;usal djk;k x;k Fkk vkSj u gh dksbZ lgefr bZ- ,e- vkbZ- dVkSrh fd;s tkus gsrq nh xbZ FkhA bl izdkj fnukad&10-03-2021 rd dqy 40 fdLrksa dh jkf'k&2]55]000@& ¼nks yk[k ipiu gtkj :i;s½ vihykFkhZ@ifjoknh ds [kkrs ls dVkSrh dj mRrjoknh Ø-&3@fo:) i{kdkj Ø-&3 ds _.k [kkrk Øekad&37333226052 esa tek fd;k tkrk jgk ftldh f'kdk;r mRrjoknh Ø- &1@fo:) i{kdkj Ø-&1 dks fd;s tkus ij fnukad&04-09-2021 dks 50]000@&¼ipkl gtkj :i;s½ [kkrk Øekad&10427228836 esa VªkalQj ds ek/;e ls tek fd;k x;kA 'ks"k jkf'k tek ugha fd;s tkus ij vihykFkhZ@ifjoknh }kjk fyf[kr esa ,d f'kdk;r i= iqfyl v/kh{kd] dksjck ds le{k fnukad&07-09-2021 dks fd;k x;kA lkFk gh lacaf/kr pkSdh izHkkjh dks f'kdk;r fd;s tkus ij tkWp esa cSad ls tkudkjh ekaxh xbZ ftl ij lacaf/kr cSad }kjk fnukad&20-07-2021 dks tkudkjh nh xbZ fd 2]05]000@&¼nks yk[k ikap gtkj :i;s½ vihykFkhZ@ifjoknh dks okil fd;k tkuk gS ftlds Hkqxrku dk nkf;Ro mRrjoknh Ø-&3@fo:) i{kdkj Ø-&3 dk gS tks fd izn'kZ&8A ls izekf.kr gSA Dismissed Page 9 of 12 Appeal No. Om Prakash Sharma Order Pronounced SC/22/A/720/2024 Vs. on 17 .02.2026 Bhartiya State Bank & Ors.
12- mRrjoknh Ø-&3@fo:) i{kdkj Ø-&3 vt; dqekj 'kekZ us dkj Ø; djus gsrq _.k mRrjoknh Ø-&1 ,oa 2@fo:) i{kdkj Ø-&1 ,oa 2 ls fy;k Fkk ,oa _.k 'krksZ ds v/khu vt; dqekj 'kekZ ds cpr [kkrk Øekad&10427228836 ls ekfld fdLr 6]375@&¼N% gtkj rhu lkS ipgRrj :i;s½ olwy fd;k tkuk Fkk] fdarq mRrjoknh Ø-&3@fo:) i{kdkj Ø-&3 vt; dqekj 'kekZ ds mDr [kkrsa ls _.k dh olwyh u dj vihykFkhZ@ifjoknh ds [kkrk Øekad&10223645318 ls fnukad&10-12-2017 ls izfrekg 6]375@&¼N% gtkj rhu lkS ipgRrj :i;s½ dkVs tkus dh tkudkjh cSad }kjk Fkkuk izHkkjh dks izn'kZ&8 ,oa 9 ds ek/;e ls nh xbZ ftlls Li"V gS fd dkj dk yksu vt; dqekj 'kekZ }kjk yh xbZ Fkh ,oa mDr jkf'k dh bZ- ,e- vkbZ- vihykFkhZZ@ifjoknh ds [kkrs ls dkVh tk jgh Fkh ftlds lac/a k esa f'kdk;r vihykFkhZ@ifjoknh }kjk izn'kZ lh&4] 5 ,oa 6 ds ek/;e ls fd;k tkuk ,oa dkVh xbZ jkf'k ds laca/k esa f'kdk;r Fkkuk izHkkjh lh- ,l- bZ- ch- pkSdh dksjck dks fd;s tkus ij mRrjoknh Ø-&1 ,oa 2@fo:) i{kdkj Ø-&1 ,oa 2 }kjk izn'kZ lh&8 ,oa 9 ds ek/;e ls tkudkjh nh xbZ fd mRrjoknh Ø-&3@fo:) i{kdkj Ø-&3 vt; dqekj 'kekZ }kjk fy;s x;s yksu dk bZ- ,e- vkbZ- vihykFkhZ@ifjoknh ds [kkrs ls dkVh xbZ gS tks vihykFkhZ@ifjoknh ds f'kdk;r i'pkr~ vihykFkhZ@ifjoknh ds [kkrs ls olwyh dh dk;Zokgh jksd nh xbZ gS ,oa mDr jkf'k vt; dqekj 'kekZ ds [kkrs ls olwy dh tk jgh gSA vihykFkhZ@ifjoknh }kjk f'kdk;r fd;s tkus ij fnukad&04-09-2021 dks 50]000@&¼ipkl gtkj :i;s½ mRrjoknh Ø-&3@fo:) i{kdkj Ø-&3 ds [kkrs ls dkVdj vihykFkhZ@ifjoknh ds [kkrk Øekad&10427228836 esa tek fd;k x;kA 13- vihykFkhZ@ifjoknh }kjk czkap eSustj ,l- ch- vkbZ-] dksjck dks i= fnukad&12-03-2021 izn'kZ lh&3 ds ek/;e ls vihykFkhZ@ifjoknh ds [kkrk uacj Dismissed Page 10 of 12 Appeal No. Om Prakash Sharma Order Pronounced SC/22/A/720/2024 Vs. on 17 .02.2026 Bhartiya State Bank & Ors.
10223645318 ls dkj yksu dh bZ- ,e- vkbZ- 6]375@&¼N% gtkj rhu lkS ipgRrj :i;s½ dh dVkSrh can fd;s tkus dh lwpuk fn;k Fkk ftlesa vihykFkhZ@ifjoknh ds [kkrs ls dkVs tk jgs dkj yksu dh bZ- ,e- vkbZ- vt; dqekj 'kekZ ds dkj yksu ls lacaf/kr Fkk ftldh tkudkjh mls Fkh] i= esa mYysf[kr gSA lkFk gh ;g Hkh mYysf[kr gS fd " Further due to some unavoidable circumstances it is requived to kindly stop the deduction of the above said loan account EMI from my above mentioned saving account and the some may be deducted from the account of the car owner Mr. Ajay Kumar Sharma's account which is his liability." bl izdkj ;g Li"V gS fd vt; dqekj 'kekZ ds }kjk fy;s x;s dkj yksu fdLrksa dk Hkq xrku vihykFkhZ@ifjoknh ds [kkrs ls dkVs tkus dh tkudkjh vihykFkhZ@ifjoknh dks izkjaHk ls Fkh] fdarq ?kjsyw@ikfjokfjd fookn dh fLFkfr fufeZr gks tkus ds dkj.k bZ- ,e- vkbZ- dh jkf'k mRrjoknh Ø-&3@fo:) i{kdkj Ø-&3 ds [kkrs ls dkVs tkus ,oa Lo;a ds [kkrs ls bZ- ,e- vkbZ- dks rRdky can fd;s tkus dk vkosnu fn;k FkkA mDr vkosnu ds vk/kkj ij vkxs dh bZ- ,e- vkbZ- mRrjoknh Ø-&1 ,oa 2@fo:) i{kdkj Ø-&1 ,oa 2 }kjk ugha dkVh xbZA QyLo:i ge ;g ikrs gSa fd vt; dqekj 'kekZ }kjk fy;s x;s dkj yksu dh fdLr Hkqxrku ds laca/k eas vihykFkhZ@ifjoknh dh tkudkjh esa ,oa mudh lgefr vk/kkj ij gh bZ - ,e- vkbZ- dkVh xbZ Fkh ftls i= fnukad&12-03-2021 lh&3 ds vk/kkj ij jksdh xbZA lkFk gh ge ;g Hkh ikrs gSa fd mDr dkj yksu dh 40 fdLrksa dk Hkqxrku vihykFkhZ@ifjoknh ds [kkrs ls fy;k x;k ftldh dksbZ vkifRr izkjaHk ls ugh dh xbZ ,oa ikfjokfjd fookn i'pkr~ mDr bZ- ,e- vkbZ- can djus dk fuosnu fd;k x;k ftlds vk/kkj ij mlds [kkrs ls _.k jkf'k dh dVkSrh can dh xbZ ftls mRrjoknh Ø-&1 ,oa 2@fo:) i{kdkj Ø-&1 ,oa 2 }kjk lsok esa deh fd;k tkuk ugha dgk tk ldrk ftlds laca/k esa lacfa /kr ftyk vk;ksx us foLr`r Dismissed Page 11 of 12 Appeal No. Om Prakash Sharma Order Pronounced SC/22/A/720/2024 Vs. on 17 .02.2026 Bhartiya State Bank & Ors.
foospuk dj U;k;ksfpr vkns'k ikfjr fd;k gS] fdarq lacaf/kr ftyk vk;ksx }kjk izdj.k dks vkijkf/kd d`R; gksuk ekurs gq, fujLr fd;k gS] tcfd vihykFkhZ@ifjoknh }kjk izLrqr ifjokn miHkksDrk laj{k.k vf/kfu;e ds varxZr lsok esa deha dk gksuk ikrs gSa] fdarq cSad }kjk fdLrksa dh dVkSrh fd;s tkus ds laca/k esa izkjaHk ls dksbZ vkifRr vihykFkhZ@ifjoknh dh ugha jgh gS ,oa mDr dVkSrh vihykFkhZ@ifjoknh dh tkudkjh esa gksus ,oa dkj _.k vuqca/k esa lgefr ds vk/kkj ij fdLrksa esa dVkSrh fd;k tkuk ikrs gSaA QyLo:i mRrjoknh Ø-&1 ,oa 2@fo:) i{kdkj Ø-&1 ,oa 2 }kjk fdlh izdkj ls lsok esa deh fd;k tkuk ugha ikrs gSaA 14- mijksDr laiw.kZ foospuk ds QyLo:i vihykFkhZ@ifjoknh }kjk izLrqr vihy lkjghu gksus ls fujLr dh tkrh gS ,oa lacfa /kr ftyk vk;ksx }kjk izdj.k dzekad& lh-lh-@22@51 esa ikfjr vkns'k fnukad&30-09-2024 dh iqf"V dh tkrh gSA mHk;i{k bl vihy dk O;; viuk&viuk ogu djsx a sA ¼ U;k;ewfrZ xkSre pkSjfM+;k ½ ¼ izeksn dqekj oekZ ½ v/;{k lnL;
Pronounced on 17th February 2026 Dismissed Page 12 of 12