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Order Name: SBI Life Insurance Company Ltd. Vs. Hemangi & 2 Ors. Case No.: F.A. No. 593/2022 The National Consumer Disputes Redressal Commission, led by Mr. Subhash Chandra and Dr. Sadhna Shanker, recently clarified an important point about insurance contracts: silence cannot be interpreted as acceptance. A contract is only valid when acceptance is clearly…

Order Name: ICICI Lombard General Insurance Co. Ltd. Vs. Rupali Inamdar Case No.: F.A. No. 1857/2019 The National Consumer Disputes Redressal Commission, led by Mr. Subhash Chandra, recently made a significant ruling about insurance policies and their terms. Insurers cannot rely on fine print to avoid paying claims unless they have clearly communicated those terms…

Order Name: HDB Financial Services Ltd Vs. M/S. Somanis & Anr. Case No.: R.P. No. 1065/2021 The National Consumer Disputes Redressal Commission, led by AVM J. Rajendra, clarified that a business loan taken by a sole proprietor does not classify the borrower as an "individual borrower" under RBI guidelines. Case Background The complainants took a…

Order Name: Neil E. Lobo Vs. Bank of Baroda Case No.: F.A. No. 1662/2018 The National Consumer Disputes Redressal Commission, led by Mr. Subhash Chandra and Dr. Sadhna Shanker, recently ruled that a deficiency in service cannot be assumed without proper evidence. It is up to the complainant to prove any such deficiency. Case Summary…

Order Name: Macrotech Developers Ltd. Vs. A. Syamala Reddy Case No.: F.A. No. 422/2023 The National Consumer Disputes Redressal Commission, led by Mr. Subhash Chandra and Dr. Sadhna Shanker, has issued a significant ruling regarding the forfeiture of deposits by builders. The Commission emphasized that any forfeiture must be reasonable and should not exceed 10%…

Order Name: M/S. Omaxe Chandigarh Extension Developers Private Limited & Anr. Vs. Lakhbir Singh Case No.: F.A. No. 233/2021 The National Consumer Disputes Redressal Commission, led by Mr. Subhash Chandra and Dr. Sadhna Shanker, concluded that interest on deposited amounts should act as both restitution and compensation, starting from the deposit date. Case Background The…

Order Name: M/S Gulzar Mohd. & Sons Vs. SBI General Insurance Co. Ltd. Case No.: F.A. No. 1819/2018 The National Consumer Disputes Redressal Commission (NCDRC), led by Mr. Subhash Chandra and Dr. Sadhna Shanker, has clarified the significance of a surveyor’s report in insurance claims. While such a report is vital, it is not the…

Order Date: Not specified Order Name: United India Insurance Co. Ltd. Vs. M/S. Jaycot Industries Case No.: F.A. No. 1809/2017 The National Consumer Disputes Redressal Commission (NCDRC), led by Mr. Subhash Chandra and Dr. Sadhna Shanker, has recently reviewed an appeal from United India Insurance. The commission decided that since the State Commission did not…

Order Name: State Bank Of Travancore vs. Dr. S. Sunil Case No.: F.A. No. 1652/2017 The National Consumer Disputes Redressal Commission (NCDRC), led by Mr. Subhash Chandra and Dr. Sadhna Shanker, has ruled that a bank’s loss of a customer’s ownership documents constitutes negligence. Consequently, the bank is required to compensate the customer for any…

Order Date: Not Mentioned Order Name: Chief Medical Officer Nehru Satabdi Central Hospital vs. Puja Sahu Case No.: R.P. No. 1353/2022 The National Consumer Disputes Redressal Commission, with AVM J. Rajendra presiding, recently addressed the importance of expert evidence in medical negligence cases. Case Overview A woman, bitten by a snake on her thumb, was…