(1) IFFCO TOKIO GENERAL INSURANCE CO. LTD. Vs. RAJIV[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 23-12-2025 Consumer Protection Act, 1986 — Section 21(b) — Revision Petition — Motor Vehicle Insurance — Theft Claim — Policy Breach (Limitation as to Use) — The vehicle insured for private use was being used for 'hire and reward' (transporting boiler fuel to a plywood factory), which constituted a breach of policy conditions — Breach of policy condition is not a "fundamental breach" sufficient to justify total repudiation of a theft claim, especially where the theft did not occur during the India Law Library Docid # 2437348
(2) AVNINDER SINGH AND OTHER Vs. KOTAK MAHINDRA BANK LIMITED AND OTHER[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 23-12-2025 Consumer Protection Act, 1986 — Deficiency in Service — Illegal Repossession of Vehicle — Vehicle Loan — Repossession of vehicle by financer (Bank) through recovery agents without issuing mandatory prior notice to the borrower/complainant, even before the next EMI was technically due, constitutes a deficiency in service and breach of contractual obligations — Repossession cannot be resorted to by criminal intimidation, use of muscle power, or physical violence — The consumer is entitled to India Law Library Docid # 2437349
(3) ASHOK AUTO SALES LTD Vs. RAJNESH KUMAR[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 22-12-2025 Consumer Protection Act, 2019 — Section 58(1)(b) — Stay on Execution Proceedings — Conditional Stay — Deposit of Decretal Amount — Revision Petition challenged State Commission's order granting stay subject to deposit of the entire decretal amount (less pre-deposit for appeal), arguing it was unreasoned and contrary to Supreme Court principles on stay conditions. India Law Library Docid # 2437347
(4) SHRI. SURESH KESHAV GHODKE AND OTHERS Vs. IDBI BANK LTD.[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 18-12-2025 Consumer Protection Act, 2019 — Section 2(7) and 2(42) — Maintainability of Complaint — Service matters and retiral benefits — The dispute concerning the grant of a second option for a pension scheme to former bank employees following the amalgamation of banks concerns 'service matters' arising out of a 'contract of service' and is not a 'consumer dispute' — Such a matter does not fall within the ambit of 'service' under the Consumer Protection Act which excludes rendering service under a India Law Library Docid # 2437390
(5) HDFC ERGO GENERAL INSURANCE CO. LTD. Vs. RAVINABEN BIPINBHAI VSAVA[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 17-12-2025 Consumer Protection — Second Appeal — Scope — Second Appeal under Section 51(2) of the Consumer Protection Act is limited to cases involving a substantial question of law — Concurrent findings of facts by lower consumer fora, supported by reasoned orders, should not be interfered with in Second Appeal unless there is illegality or material irregularity amounting to a substantial question of law. India Law Library Docid # 2437389
(6) M/S. OMAXE CHANDIGARH EXTENSION DEVELOPERS PVT. LTD. AND OTHERS Vs. BHARAT WAHI[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 15-12-2025 Consumer Protection Act, 1986 — Section 2(1)(g) — Deficiency in Service — Unfair Trade Practice — Delayed Possession — Builder failed to deliver possession within the stipulated time despite receiving over 95% of the basic sale consideration — Builder also delayed execution of the Allotment Letter — Possession letter issued was premature as construction and promised amenities (e.g., lifts) were incomplete — State Commission's finding of deficiency in service and unfair trade practice upheld. India Law Library Docid # 2437388
(7) ANGELINE MOHANA JOHNSON Vs. MANAGER, STATE BANK OF INDIA[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 12-12-2025 Consumer Protection Act, 1986 — Section 2(1)(g) — Deficiency in Service — Unfair Trade Practice — Auction Sale of Repossessed Vehicle by Bank (SBI) — Bank auctioned a vehicle (Maruti Omni Van) stating it had 'temporary registration', but the registration had already expired, constituting misrepresentation and unfair trade practice — Bank failed to provide essential documents (copy of previous owner's ration card and photograph) necessary for the purchaser to obtain permanent India Law Library Docid # 2437387
(8) UNITED INDIA INSURANCE CO. LTD. Vs. M/S. SECURITRANS INDIA PVT. LTD. AND ANOTHER[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 09-12-2025 Consumer Protection Act, 1986 — Section 2(1)(g) — Deficiency in Service — Insurance Claim — Special Contingency Policy covering cash in transit, theft, and employee infidelity — Loss of Rs. 64.84 lakhs during cash replenishment — Insurer failed to settle claim despite Surveyor confirming loss, Police lodging FIR for theft (cognizable offence), and Complainant conducting internal enquiry finding employees India Law Library Docid # 2437386
(9) INDOSTAR CAPITAL FINANCE LIMITED Vs. GULFAM RASHID[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 08-12-2025 Consumer Protection Act, 2019 — Revision Petition — Maintainability — A second revision petition before the National Consumer Disputes Redressal Commission (NCDRC) against a revisional order passed by the State Consumer Disputes Redressal Commission (SCDRC) is not maintainable, following the precedent set in M/s. Gary Buildtech Pvt. Ltd, (now known as 'Omaxe Gary Buildtech Pvt. Ltd.) vs. Nitin Saxena. India Law Library Docid # 2437384
(10) JITENDER Vs. IFFCO TOKIO GEN.INSURANCE CO.[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 08-12-2025 Consumer Protection Act, 1986 — Deficiency in Service — Motor Insurance — Theft Claim — Repudiation on ground of delay and contradictory statements — Vehicle stolen on 24.10.2015; FIR lodged on 05.11.2015 (12-day delay); Insurer intimated on 07.11.2015 (14-day delay) — Supreme Court precedent holds that mere delay in intimating the insurer about theft cannot be a sole ground for repudiation, especially when theft was immediately reported to the police and FIR/Untraced Report confirms the India Law Library Docid # 2437385
(11) AXIS BANK AND OTHERS Vs. DR. SHABIR KHAN RANJAN RAWTHER AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 04-12-2025 Consumer Protection Act, 2019 — Section 19 — First Appeal — Deficiency in Service — Fraudulent Online Transactions — Liability of Bank (Axis Bank) and Telecom Service Provider (Vodafone) — Unauthorized transfer of Rs. 11,14,500/- from customer's bank accounts using duplicate SIM — Telecom provider's role in issuing duplicate SIM in a casual manner without proper verification, facilitating hackers to gain access to accounts, constitutes grave deficiency in service — Bank's liability arises from India Law Library Docid # 2437381
(12) JARPULA VEERU AND OTHERS Vs. MAHARASHTRA HYBRID SEEDS COMPANY LTD. AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 04-12-2025 Consumer Protection Act, 1986 — Seed Defect — Admixture — Requirement of Scientific Testing — Complaint of crop loss due to defective, spurious, and substandard seeds (Hybrid Chilli Tejaswini, Mahyco) resulting in 30% admixture — District Forum allowed the complaint based primarily on a Committee report which noted 30% admixture without formal seed sample testing — State Commission set aside the order — National Commission holds that a Committee report based merely on field visitation and India Law Library Docid # 2437382
(13) RAJKUMARI PATEL AND OTHERS Vs. ICICI PRUDENTIAL LIFE INSURANCE COMPANY LIMITED AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 04-12-2025 Consumer Protection Act, 2019 — Section 51(2) — Second Appeal — Life Insurance — Repudiation of Claim — Concealment of Material Facts/Pre-existing Disease — Deceased insured obtained a loan protection insurance policy after undergoing Percutaneous Transluminal Coronary Angioplasty (PTCA) and being a known case of Hypertension, but failed to disclose these facts in the Member Consent Form — Insured passed away due to brain hemorrhage within the policy period (Early Claim) — Insurer India Law Library Docid # 2437383
(14) M/S. INDIAN ACRYLICS LTD. Vs. NATIONAL INSURANCE COMPANY LTD. AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 03-12-2025 Consumer Protection Act, 1986 — Review Application — Condonation of Delay — Limitation — Explanation for Delay — Original F.A. allowed on 16.01.2024 with interest @ 6% p.a., but without specifying the date from which interest accrues — Insurance Co. paid interest only from the date of order — Appellant pursued legal remedy bonafide by filing Execution Application (E.A.) on 02.05.2024, arguing interest should run from Complaint date — E.A. Bench inquired if Review was sought, leading to India Law Library Docid # 2437380
(15) YOGESH K. MEHTA Vs. DOORDARSHAN EMPLOYEES CO OPERATIVE HOUSING SOCIETY LTD. AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 02-12-2025 Consumer Protection — Deficiency in Service — Housing Society — Cancellation of Flat Allotment — Flat Allotment of Member (Y.K. Mehta) cancelled by Housing Society's General Body (Doordarshan Employees Co-operative Housing Society Ltd.) following recommendation of Managing Committee after member requested six months extension to clear dues — Society's action of not entertaining complainant's request for time extension while granting extension to other defaulters amounted to discriminatory India Law Library Docid # 2437378
(16) IFFCO TOKIO GENERAL INSURANCE COMPANY LTD. Vs. RAM KUMAR GURJAR[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 02-12-2025 Consumer Protection — Insurance Law — Motor Insurance — Theft/Dacoity Claim — Repudiation by Insurer — Grounds for Repudiation — Insurer repudiated claim citing driver lacking valid Heavy Goods Vehicle (HGV) license (only held Light Motor Vehicle (LMV) license), engagement in illegal activity (transportation of bajari), and failure to surrender second original key — State Commission allowed complaint and directed payment on non-standard basis — Held: Since vehicle was forcibly removed (dacoity) India Law Library Docid # 2437379
(17) KJS CEMENT LTD. Vs. UNITED INDIA INSURANCE CO. LTD. AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 01-12-2025 Consumer Protection — Insurance — Erection Policy — Commencement and cessation of coverage — Claim repudiated for damage to Reverse Air Bag House (RABH) equipment of cement plant due to explosion under Erection Insurance policy — Policy terms stipulate coverage ceases immediately after first test operation or test loading is concluded (whichever is earlier), but in no case beyond four weeks from the day after completion of erection a trial running is made — Trial run with load capacity of India Law Library Docid # 2437376
(18) M/S. NANCY LAKE HOMES CO. OP. HOUSING SOCIETY LTD. Vs. NANCY ICON BUILDERS AND DEVELOPERS AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 01-12-2025 Consumer Protection Act, 1986 — Section 2(1)(d) [defining 'consumer'] and Section 2(1)(b) [defining 'person'] — Locus Standi of Cooperative Housing Society — A cooperative housing society formed by allottees, regardless of whether its formation was voluntary or mandated by statute (such as MOFA), is competent to file a consumer complaint on behalf of its members concerning common areas, amenities, and conveyance, since it qualifies as a 'person' and is a 'beneficiary' of services rendered by India Law Library Docid # 2437377
(19) SMT. SARLA DEVI Vs. NORTHERN RAILWAY CENTRAL HOSPITAL AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 28-11-2025 Consumer Protection — Medical Negligence — Standard of Care (OP-1 & OP-2, Railway Hospital) — Delay in Diagnosis/Admission — 22-year old patient presented with severe abdominal pain and vomiting — OP-1 treated patient for renal calculi based on earlier USG and examination, advising review in Surgical OPD SOS, despite suspecting appendicitis — Patient was not admitted upon initial presentation/request by relatives — Clinical condition and treatment decision must be evaluated based on India Law Library Docid # 2437374
(20) MANAGER (CLAIMS), LIFE INSURANCE CORPORATION OF INDIA AND OTHERS Vs. SMT. CHANDA DEVI[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 28-11-2025 Consumer Protection Act, 2019 — Section 51 — Life Insurance — Repudiation of Claim — Alleged Suppression of Material Facts — Contract of utmost good faith — Deceased Life Assured (DLA) obtained Jeevan Mitra Policy in 2011; died in 2014; claim repudiated in 2015 based on non-disclosure of pre-existing ailments (Duodenitis with Malabsorption Syndrome, Ileocecal Ulceration, Koch’s Abdomen, and Pancytopenia with Dyslipidemia) treated in early 2011, prior to policy proposal (September 2011) — DLA India Law Library Docid # 2437375