(41) BRANCH MANAGER, NATIONAL INSURANCE CO. LTD. Vs. VISHAL ANAND[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 28-08-2025 Insurance Act, 1938 — Sections 64-UM(2), 64-UM(1A) — Surveyor's Report — Rejection of Report — Insurer cannot arbitrarily reject surveyor's report; must provide valid reasons for disagreement. Consumer Protection Act, 1986 — Deficiency in Service — Arbitrary rejection of surveyor's report by an insurer amounts to deficiency in service. India Law Library Docid # 2432825
(42) VINOD SHARMA Vs. STATE BANK OF INDIA AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 27-08-2025 Consumer Protection Act, 1986 (Now Consumer Protection Act, 2019) — Section 17 — Jurisdiction of State Commission — Cross Appeals filed against order of State Commission partially allowing complaint against bank — Facts and questions of law found similar regarding both appeals — Appeals disposed of by common order. India Law Library Docid # 2432826
(43) NEW INDIA ASSURANCE CO. LTD. Vs. SUNIL KUMAR[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 27-08-2025 Motor Vehicles Act, 1988 — Sections 39, 43(2), 41 — Necessity of Registration — Driving a vehicle without valid registration is an offence and a fundamental breach of insurance policy terms — Temporary registration valid for one month and not renewable — Driving a vehicle without any registration certificate, whether temporary or permanent, on public roads is illegal and against public policy — Repudiation of insurance claim is justified in such cases. India Law Library Docid # 2432827
(44) SUPERINTENDENT POST OFFICE AND ANOTHER Vs. SATYA NARAYAN AND ANOTHER[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 26-08-2025 Consumer Protection Act, 1986 — Deficiency in Service — Liability of Principal for Acts of Agent — Post Office as Principal — Appointed agent for Recurring Deposit Scheme — Agent’s representative received loan repayment from complainant — E mbezzlement occurred — Held, Principal (Post Office) vicariously liable for deficiency in service as agent induced complainant to deliver payments to her representative to be deposited. India Law Library Docid # 2432828
(45) MUTHOOT FINANCE LTD. Vs. NEW INDIA ASSURANCE CO. LTD.[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 26-08-2025 Insurance — Consumer Protection — Jurisdiction — A consumer complaint filed against an insurance company for repudiation of a claim is maintainable before the National Consumer Disputes Redressal Commission, even if it involves questions of fact and law, as the Act provides for speedy and inexpensive remedies. India Law Library Docid # 2432829
(46) K.M.GEORGE Vs. SECRETARY, KANHANGAD MUNICIPALITY AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 22-08-2025 Consumer Protection Act, 1986 — Section 2(1)(d) — Consumer — Definition — Auction purchaser as consumer — An auction purchaser/lessee of a site is not a 'consumer' under the Consumer Protection Act, 1986, and the fora under the Act lack jurisdiction to entertain complaints filed by such purchasers/lessees against the auctioning authority India Law Library Docid # 2432830
(47) NAGARIYA SAHAKARI BANK LTD. Vs. LAXMI NARAYAN PANDEY THROUGH LRS .[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 20-08-2025 Consumer Protection Act, 1986 — Section 2(b) — Complainant defined as Consumer — Section 2(d)(ii) — Defines Consumer — Section 2(g) — Defines Deficiency — Section 2(o) — Defines Service — Banking services fall under the definition of service — Failure to make payment of deposits at maturity constitutes deficiency in service — Maintainability of consumer complaint against Bank through Liquidator — Held, India Law Library Docid # 2432831
(48) SANGEETA AGRAWAL Vs. UNITED INDIA INSURANCE COMPANY LIMITED[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 20-08-2025 Consumer Protection Act, 1986 Section 12 Insurance claim Ownership and Insurable Interest Vehicle insured in petitioner's name, but registered in husband's name at time of accident Insurance company repudiated claim on grounds of lack of insurable interest and no privity of contract with registered owner Held, insurance is a contract, and claims are governed by policy terms Petitioner was insured, but not registered owner; husband was registered owner, but not insured No contractual obli India Law Library Docid # 2432988
(49) UNION OF INDIA AND OTHERS Vs. K.S BHATTI[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 20-08-2025 Consumer Protection Act, 1986 Sections 12, 2(1)(d), 2(1)(r) Deficiency in Service Unfair Trade Practice Railways Act, 1989 Section 100 Railways' Liability for Luggage Negligence Theft Territorial Jurisdiction Non-joinder of Parties Respondent booked tickets and boarded train at Chandigarh, establishing territorial jurisdiction for complaint Court found no deficiency in service by railways regarding safety of personal luggage carried by passengers, without being booked, unless proven India Law Library Docid # 2432989
(50) ICICI PRUDENTIAL LIFE INSURANCE CO. LTD. Vs. KANWALPREET KAUR AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 19-08-2025 Consumer Protection Act, 1986 — Revision Petition — Maintainability — Revision petitions filed before a key judgment on the maintainability of such petitions for consumer complaints under the Consumer Protection Act, 2019 — Parties agreed to treat RPs as Second Appeals, dispensing with formal redesignation, and proceed on merits if substantial question of law is involved. India Law Library Docid # 2432990
(51) RANJANA GOEL AND OTHER Vs. CHAIRMAN, RAILWAY BOARD AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 18-08-2025 Consumer Protection Act, 1986 Section 11(2)(a) & (c) Territorial Jurisdiction Complaint against Railways for lost luggage Cause of action for a consumer complaint against Railways for loss of luggage on a moving train arises where the railway station from which the journey commenced, the destination that was not reached, or the place where the deficiency in service occurred. Mere existence of a India Law Library Docid # 2432832
(52) HERITAGE HOSPITAL LTD. AND ANOTHER Vs. PARVATI DEVI AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 18-08-2025 Consumer Protection Act, 1986 — Medical Negligence — Standard of Proof — For proving medical negligence, it must be shown that the doctor did not act in accordance with the ordinary skill and care expected of a reasonably competent medical professional, and that this failure led to the injury or death — Allegations of negligence against a hospital and doctor, where the hospital initially failed to contest the case before the State Commission — Highlighting that while allegations themselves are n India Law Library Docid # 2432991
(53) SMT. SONIA SACHDEVA Vs. LIFE INSURANCE CORPORATION OF INDIA THROUGH ITS CHAIRMAN AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 13-08-2025 Insurance Act, 1938 Section 45 Repudiation of claim False statements in proposal form Insured failed to disclose previous medical history of heavy smoking, diabetes, and alcoholic liver disease Medical examination at policy issuance did not reveal these conditions Evidence of prior treatment for alcoholism, hypertension, and suspected liver issues established Non-disclosure of material facts justifying repudiation. India Law Library Docid # 2432833
(54) BABULAL KUBERCHAND GANDHI Vs. MAHARASHTRA STATE ELECTRICITY DISTRIBUTION CO. LTD. AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 13-08-2025 Consumer Protection Act, 1986 — Section 2(1)(d) — Consumer — Electricity supply — Deficiency in service — Negligence — Damage due to faulty service lines before the meter — Whether the consumer is entitled to claim under the Consumer Protection Act — Held that consumer status arises from the point of connection onwards, as defined by the electricity meter and charges paid — Accidents or damages occurring before the meter, on distribution or transmission lines, do not India Law Library Docid # 2432834
(55) SARITA DEVI KAUSHIK Vs. NEW INDIA ASSURANCE COMPANY LIMITED[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 13-08-2025 Motor Vehicles Act, 1988 Sections 39 and 43 Registration of Motor Vehicles Driving vehicle without valid registration or valid expired temporary registration is a fundamental breach of insurance policy conditions and statutory provisions, justifying repudiation of insurance claim India Law Library Docid # 2432835
(56) NIRMALA KUMARI (NOW DECEASED) THROUGH LEGAL REPRESENTATIVE Vs. STATE BANK OF INDIA AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 12-08-2025 Consumer Protection Act, 1986 — Sections 12, 17, 58(1)(b) — Deficiency in Service — ATM Transaction Dispute — Complainant alleged partial withdrawal from ATM, receiving Rs. 11,000 instead of Rs. 20,000. — District Forum allowed complaint based on missing transaction serial numbers and lack of CCTV footage. — State Commission set aside the District Forum's order relying on ATM and JP log sheets showing successful withdrawal. — National Commission upheld the State India Law Library Docid # 2432836
(57) CHHOTI DEVI (DECEASED) THROUGH LRS AND OTHERS Vs. BHARTI AXA LIFE INSURANCE CO. LTD. AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 11-08-2025 Consumer Protection Act, 1986 — Section 19 — Appeal against State Commission order — Dismissal of complaint by State Commission — Challenge on grounds of non-consideration of facts, error in holding concealment of material fact, failure to appreciate proposal form filled by agent, repudiation on faulty premise, error of law regarding concealment, and contradicting views in similar cases — India Law Library Docid # 2432837
(58) CANARA BANK (ERSTWHILE SYNDICATE BANK) Vs. JAI KUMAR MITTAL[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 28-07-2025 Consumer Protection Act, 2019 — Deficiency in service — Fixed Deposits — Non-renewal — Bank failed to provide justification for the interest rate applied on matured and lapsed Fixed Deposits, leading to a finding of deficient service by the Commission, despite challenges to the State Commission's order. India Law Library Docid # 2428108
(59) MAHINDRA & MAHINDRA LTD. Vs. PIYUSH BANGAD AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 25-07-2025 Consumer Protection Act, 1986 — Section 21(b) — Revisionary Jurisdiction — National Commission can interfere when lower forums err in law or facts, or exercise jurisdiction arbitrarily — State Commission’s order was bereft of detailed reasons or analysis, merely reproducing facts and dismissing appeals without discussing evidence or contentions of opposite parties — This necessitates remand for fresh disposal. India Law Library Docid # 2428109
(60) KAMLESH YADAV Vs. NATIONAL HEART INSTITUTE AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 24-07-2025 Consumer Protection Act, 1986, Section 21(a)(i) — Medical Negligence — Deficiency in Service — Compensation — Preliminary issue of maintainability before National Consumer Disputes Redressal Commission (NCDRC) raised by Opposite Parties due to disputed facts and claim for compensation — Held complaint maintainable as it pertains to deficiency in service against providers of medical services. India Law Library Docid # 2428110