(101) AKTHAR KHAN Vs. GOYAL’S MEDICAL CENTRE AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 23-02-2026 Consumer Protection Act, 1986 — Sections 21, 22 — Medical Negligence — Burden of Proof — Complainant failed to discharge the burden of proving medical negligence by leading cogent and convincing evidence — Mere assertions or affidavits are insufficient — Dismissed India Law Library Docid # 2440722
(102) SARITA PRAKASH AND OTHERS Vs. PALLADIUM CONSTRUCTION PVT. LTD. AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 20-02-2026 Consumer Protection Act, 2019 — Section 2(1)(c) — Deficiency in service — Delay in handing over possession of apartment — Deficiencies in construction and amenities — Developer's unjustified termination of agreement and forfeiture of amount — Commission sets aside termination and orders possession with compensation for delay. India Law Library Docid # 2440715
(103) TATA CAPITAL LIMITED (FORMERLY TATA MOTOR FINANCE LIMITED) AND OTHERS Vs. PRAMANAND PRASAD KUSHWAHA[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 20-02-2026 Consumer Protection Act, 2019 — Section 51(2) — Second Appeal — Maintainability against concurrent findings of lower consumer fora — Court may interfere if there is illegality or material irregularity India Law Library Docid # 2440716
(104) PUNJAB NATIONAL BANK Vs. SHRI SOMVIR SINGH AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 18-02-2026 Consumer Protection Act, 1986 — Deficiency in service — Insurance policy renewal by bank — Bank had voluntarily taken over the responsibility of getting insurance policies acquired and renewed for the borrower since 1992, debiting premiums automatically from the borrower's account — Borrower had reason to believe the policy India Law Library Docid # 2440717
(105) NEW INDIA ASSURANCE CO. LTD. Vs. M/S. RAVI PLANT BIOTECHNOLOGIES LTD.[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 18-02-2026 Insurance Act, 1938 — Section 64UM — Appeal against State Commission’s order — Insured failed to provide necessary documents to establish the quantum of loss — Surveyor’s report is primary and significant evidence and cannot be lightly disregarded without cogent reasons — State Commission arbitrarily doubled the surveyor’s assessed loss without basis — Insurer’s offer based on surveyor’s report and policy conditions is India Law Library Docid # 2440718
(106) J.K. AGRI GENETICS LIMITED Vs. MUKESH KUMAR AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 17-02-2026 Consumer Protection Act, 1986 — Sections 12, 15, 21(b) — Deficiency in service — Misleading advertisement — Purchase of maize seeds — Failure to yield crop — Company failed to provide adequate information on pamphlets/packets regarding best sowing time, temperature requirements, and proper agricultural practices — Farmers' lack India Law Library Docid # 2440674
(107) M/S AXIS BANK Vs. K.V.S.S. SASTRY[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 16-02-2026 Consumer Protection Act, 1986 — Deficiency in Service — Cheque Collection Policy — Bank's responsibility for timely clearance of cheques within validity period — Held, bank cannot be faulted if cheque is presented on the subsequent day after the cut-off time, and consequently, it would lapse for clearance by the payee bank — State Commission's finding of deficiency in service set aside due to lack of rebuttal India Law Library Docid # 2440670
(108) BIHAR STATE ELECTRICITY BOARD AND OTHERS Vs. SHANKAR PRASAD GUPTA[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 16-02-2026 Consumer Protection Act, 1986 — Section 2(1)(d) — "Consumer" — Heir beneficiary of electricity connection is considered a consumer for filing a complaint — The electricity board's failure to provide proper notice and opportunity before changing tariff from domestic to commercial constitutes deficiency in service. India Law Library Docid # 2440675
(109) PRABHA SINGHAL AND OTHERS Vs. M/S IMPERIAL HOUSING VENTURES PVT. LTD. AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 12-02-2026 Consumer Protection Act, 1986 — Pecuniary Jurisdiction — For determining pecuniary jurisdiction, the value of the claim is the aggregate of the relief sought, including compensation, interest, and costs, not just the consideration amount — This Commission had the necessary pecuniary jurisdiction — The objection is dismissed India Law Library Docid # 2440676
(110) SMT. BALBIR KAUR Vs. PNB METLIFE INSURANCE COMPANY LTD. AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 11-02-2026 Consumer Protection Act, 1986 — Section 21(a)(i) — Repudiation of Life Insurance Policy — Non-disclosure of prior insurance policies — Whether material fact — Ambiguity in proposal form — Doctrine of contra proferentem — Burden of proof on insurer — Previous cancelled or lapsed policies do not constitute suppression of material India Law Library Docid # 2440677
(111) M/S. K.B. MOTORS PVT. LTD. Vs. RANJIT MUKHERJEE AND ANOTHER[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 11-02-2026 Consumer Protection Act, 1986 — Deficiency in service — Sale of Vehicle — Complaint for sale of a used vehicle as new — Issue of inconsistent documentation, mileage, and seating capacity — Petitioner argued Complainant suppressed facts and accepted benefits for used vehicle — Respondent argued misrepresentation, faulty India Law Library Docid # 2440678
(112) KESAR ENTERPRISES LIMITED Vs. NATIONAL INSURANCE CO. LTD. AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 11-02-2026 Insurance Law — Standard Fire and Special Perils Policy — Malicious Damage — Burden of Proof — Complainant must establish loss on balance of probabilities, not beyond reasonable doubt — Police report concluding sabotage but unable to identify culprit is sufficient proof for insurance claim. India Law Library Docid # 2440679
(113) ICICI LOMBARD GENERAL INSURANCE COMPANY LIMITED Vs. AJAY GOYAL AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 10-02-2026 Insurance Law — Consumer Protection — Major Medical Illness Policy — End Stage Renal Failure Definition — Acute Kidney Injury vs — End Stage Renal Failure — An acute kidney injury, while potentially serious and requiring dialysis, is not synonymous with "End Stage Renal Failure" as defined in an insurance policy, which specifically India Law Library Docid # 2440680
(114) CENTRAL BANK OF INDIA AND OTHERS Vs. AMAL KUMAR SHIKDAR AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 10-02-2026 Consumer Protection Act, 2019 — Section 51 — Appeal against State Commission order — Bank locker burglary — Deficiency in service — National Consumer Disputes Redressal Commission modified State Commission's order — The Commission found that while the bank was deficient in security measures, leading to a burglary, the quantum of loss of jewellery can only be determined by a civil court, not a consumer forum in a India Law Library Docid # 2440681
(115) CENTRAL BANK OF INDIA AND OTHERS Vs. AMAL KUMAR SHIKDAR AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 10-02-2026 Consumer Protection Act, 2019 — Section 51 — Appeal against State Commission order — Bank's liability for locker contents — Deficiency in service — Security lapses — Compensation. India Law Library Docid # 2440684
(116) SHRI C.F. MARJANI Vs. M/S B.Y. CONSTRUCTIONS PVT. LTD. AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 06-02-2026 Consumer Protection Act, 1986 — Deficiency in Service — Builder-buyer dispute — Non-execution of Sale Deed and delivery of possession. India Law Library Docid # 2440682
(117) CETTY KOTESWARA RAO Vs. M/S. APOLLO HOSPITALS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 05-02-2026 Consumer Protection Act, 1986 — Medical Negligence — Burden of Proof — Onus to prove medical negligence lies on the claimant and can be discharged by leading cogent evidence — Vague allegations without substantiation from medical documents and expert opinion are not sufficient. India Law Library Docid # 2440683
(118) M/S SWARNA MOTORS (NOW CLOSED) Vs. ORIENTAL INSURANCE COMPANY LIMITED AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 04-02-2026 Insurance Act, 1938 — Section 64-UM — Surveyor's Report — Admissibility of — Supreme Court has held that a surveyor's report is not final and conclusive, and can be departed from if there is contrary evidence or if it is found to be arbitrary — The insurer has the discretion to reject or accept the report, but this discretion must be exercised reasonably and not arbitrarily. India Law Library Docid # 2440685
(119) HDFC STANDARD LIFE INSURANCE CO. LTD. Vs. MEERADEVI[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 04-02-2026 Insurance Act, 1938 — Section 45 — Repudiation of life insurance policy — Suppression of material facts — Onus on insurer to prove suppression — Medical records showing diagnosis of cancer prior to policy issuance — Life assured failed to disclose this material fact in proposal form — Failure to disclose amounts to suppression India Law Library Docid # 2440686
(120) NEW INDIA ASSURANCE CO. LTD. Vs. SH. GANGA PRASAD GUPTA[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 03-02-2026 Consumer Protection Act, 1986 — Section 2(1)(g) — Deficiency in Service — Insurance Claim — Surveyor's Report not final and conclusive — Deductions by insurer without justification — Appeal allowed in part, modifying compensation awarded by the District Forum. India Law Library Docid # 2440687