(121) SHRI RAMCHANDRA YADAV Vs. THE ADMINISTRATOR SECRETARIAT AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 27-11-2025 Consumer Protection Act, 1986 — Section 2(1)(d) — Consumer — Maintainability of Complaint — Free Medical Service in Government Hospital — Where a Government Hospital (OP-2) provides medical services free of charge to the patient, and the Complainant fails to produce any evidence of payment or consideration for the services rendered, the patient does not qualify as a 'consumer' India Law Library Docid # 2437455
(122) MRS. SAVITRI DEVI Vs. DR. N.N. KHANNA AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 26-11-2025 Consumer Protection — Medical Negligence — Standard of Proof — General Principles — A doctor is not negligent if acting in accordance with acceptable medical norms, unless evidence from a medical body of skilled persons suggests accepted principles were not followed — Liability arises only if conduct falls below the standard of a reasonably competent practitioner in the field — Mere error of judgment, accident, mischance, misadventure, or error in choosing between two India Law Library Docid # 2437371
(123) THE BUNDI CENTRAL COOPERATIVE BANK LTD. Vs. MAHARAJ SHRI AMARDAS JI KHAKI SMRITI SANSTHAN AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 26-11-2025 Consumer Protection Act, 1986 — Deficiency in Service — Bank Customer Deposit — Embezzlement by Bank Employee — Where complainants deposited amounts in their bank accounts, received deposit receipts bearing the bank's official stamp and cashier's initials, and obtained corresponding passbook entries, the bank is liable for deficiency in service even if the amount was subsequently embezzled by a bank employee and not reflected in the bank's official records. India Law Library Docid # 2437369
(124) BAJAJ ALLIANZ GIC LTD. Vs. SMT. SOVANA CHATTERJEE AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 26-11-2025 Consumer Protection Act, 1986 — Section 2(1)(d) [and Consumer Protection Act, 2019 — Section 2(7)] — ‘Consumer’ — Beneficiary of services — Scope of ‘Consumer’ definition includes a beneficiary of services, availed with the approval of the person who hires or avails the services, even if the beneficiary is not directly privy to the contract of insurance — Deceased account holder, benefiting from an accidental insurance policy taken by the Bank (OP-1) for account holders, and his India Law Library Docid # 2437370
(125) SMT. SARABJEET KAUR Vs. DIRECTOR GENERAL OF MEDICAL SERVICE ARMY AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 20-11-2025 Consumer Protection Act, 2019 — Section 2(42) (‘Service’) — Consumer Protection Act, 1986 — Section 2(1)(o) (‘Service’) — Medical Services — Maintainability of Consumer Complaint — Free services provided by Military Hospitals — Services rendered free of charge at a government hospital to all persons (rich and poor) are outside the purview of ‘service’ as defined under the Consumer Protection Act, 1986 and 2019 — Military Hospitals render services to armed forces personnel and their dependents ab India Law Library Docid # 2437368
(126) PRESIDENCY INDRAHEIGHTS PVT. LTD. Vs. RITA[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 18-11-2025 Consumer Protection — Consumer Complaint — Written Version (Written Statement) — Limitation for filing — Service of Notice — Where notice of the complaint was served on the Appellant/Opposite Party on 31.01.2024, the statutory 30-day period for filing the Written Version expired on 02.03.2024, and the 15-day grace period ended on 17.03.2024 — Any Written Version filed thereafter is beyond the statutory period — Attempting to file the Written Version on 24.07.2024 (c. 6 India Law Library Docid # 2437365
(127) DILAWAR NANSEY Vs. KAPILDEO PRASAD AMBASTHA[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 18-11-2025 Consumer Protection — Deficiency in Service — Occupation Certificate (OC) — Builder's Obligation — Handing over possession without obtaining the mandatory Occupation Certificate (OC) from municipal authorities constitutes an illegal act and a continuing deficiency in service by the builder — Builder cannot be absolved of this statutory obligation even if the delay is attributed to illegal modifications by other flat owners. India Law Library Docid # 2437366
(128) RAJINDER KUMAR Vs. NATIONAL INSURANCE CO. LTD.[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 18-11-2025 Consumer Protection Act, 1986 — Section 21(b) — Motor Insurance — Vehicle Theft Claim — Repudiation — Grounds for Repudiation — Delay in intimation of theft to insurer — Repudiation on the ground of delay in intimation is not tenable following the Supreme Court's decision in Gurshinder Singh vs. Shriram General Insurance Co. Ltd. India Law Library Docid # 2437367
(129) SMT. SUMAN AGRAWAL AND OTHERS Vs. M/S. LAKSHYA REAL INFRA PVT. LTD. AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 17-11-2025 Consumer Protection Act, 2019 — Section 58(1)(b) — Revision Jurisdiction of National Commission — The National Commission has jurisdiction to entertain a revision petition where the State Commission has exercised jurisdiction not vested in it, failed to exercise vested jurisdiction, or acted illegally or with material irregularity — The present case, entertained in exceptional circumstances, involved a revision against an order passed by the State Commission on a Miscellaneous Application in a d India Law Library Docid # 2437359
(130) KRISHAN LAL Vs. TATA MOTORS MARKETING AND CUSTOMER SUPPORT AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 17-11-2025 Consumer Protection Act, 1986 — Section 21(b) — Revisional Jurisdiction — Scope — The revisional jurisdiction of the National Consumer Disputes Redressal Commission is limited; it does not permit re-appreciation of evidence unless the order suffers from perversity or jurisdictional error. India Law Library Docid # 2437360
(131) SHRI DARSHAN PAL SINGH AND OTHERS Vs. AIR INDIA LTD. AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 17-11-2025 Consumer Protection Act, 1986 — Deficiency in Service — Airline flight delay — Force Majeure (Bad Weather/ATC Directives) — The operating airline is not liable to pay compensation for flight delays caused by force majeure events or extraordinary circumstances beyond its control, such as adverse meteorological conditions or directives from Air Traffic Control (ATC), as mandated by DGCA Guidelines (Clauses 1.4 and 1.5). India Law Library Docid # 2437361
(132) M/S PATEL HOME FURNISHING PROPRIETOR SHRI BRAJKISHOR PATEL Vs. SBI GENERAL INSURANCE CO. LTD. AND ANOTHER[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 17-11-2025 Consumer Protection Act, 1986 — Section 19 — Fire Insurance Policy — Repudiation of Claim — Grounds for Repudiation — Insured's responsibility to notify insurer of change in risk location — Insurance policy covering stock/goods at a specific address — Loss occurred at a different, un-notified location — The Insured had shifted the hypothecated stock and informed the lending Bank, which was a joint insured, requesting the Bank to inform the Insurer — No evidence showed the Bank India Law Library Docid # 2437362
(133) YOGENDRA VISHKARMA Vs. DR. OM PRAKASH[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 17-11-2025 Consumer Protection Act, 1986 — Section 21(b) — Medical Negligence — Standard of Proof — Revision Petition against State Commission's order setting aside District Forum's finding of medical negligence during sinus surgery — Complainant lost vision in left eye post-surgery — The onus to prove medical negligence by cogent, convincing, and necessary medical evidence lies squarely on the claimant; it cannot be inferred from bald allegations or unexplained medical reports alone — A India Law Library Docid # 2437363
(134) STATE BANK OF INDIA Vs. KODUDHALA JOJI REDDY AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 17-11-2025 Consumer Protection — Deficiency in Service — Fraudulent Electronic Transaction — ATM Card Fraud — Customer received a fraudulent call, shared new ATM card particulars (PIN) but immediately changed PIN after suspecting foul play; fraudulent withdrawals occurred soon after despite PIN change — Bank failed to explain how transactions occurred after PIN change or using the old (lost) ATM card — Held, fraudulent withdrawal of amount despite changing password/PIN points to India Law Library Docid # 2437364
(135) NARINDER VERMA AND OTHERS Vs. LALIT BINDAL AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 14-11-2025 Consumer Protection Act, 2019 — Section 68 — Finality of Orders — Decree against party — When a decree of the District Commission has attained finality against a party (Respondent Lalit Bindal) through dismissal of Review Applications, Appeals (for non-deposit of statutory amount), and successive Revision Petitions, the State Commission acts with manifest illegality and lack of jurisdiction in entertaining subsequent Miscellaneous Applications filed by that party under the garb of a limited rema India Law Library Docid # 2437357
(136) DR. S.K. DEBNATH Vs. SAMINA KHATUN AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 14-11-2025 Consumer Protection — Medical Negligence — Diagnosis and Treatment — Sufficiency of evidence — Complaint alleging medical negligence and deficiency in service, including administering steroids and disproportionate overdoses of immunosuppressant drugs for Tinea Corporis (ring worm), leading to severe physical damage — State Commission allowed complaint ex-parte based on complaint allegations and discharge summary from another hospital — Discrepancies found upon appeal India Law Library Docid # 2437358
(137) M.K. AGGARWAL HOSIERY (P) LTD Vs. M/S NEW INDIA ASSURANCE COMPANY LTD.[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 12-11-2025 Consumer Protection — Insurance Claim — Fire and Special Perils Policy — Admitted Liability, Part Payment and Discharge Voucher — Insurer admitted liability for loss due to fire and paid Rs. 5,49,45,964/- against a claim of Rs. 8,08,71,327/- — Complainant accepted part payment and executed a Discharge Voucher — Discharge Voucher execution: Execution of discharge voucher, even if allegedly under "coercion" due to severe financial distress (Bank NPA threat, heavy interest liability) India Law Library Docid # 2437346
(138) UNITED INDIA INSURANCE COMPANY LIMITED Vs. SUNITA GURJAR AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 11-11-2025 Motor Vehicles Act, 1988 — Sections 2(21), 3, 10(2) — Driving Licence — Definition of Light Motor Vehicle (LMV) — Requirement of licence — Specific classes of vehicles — LMV licence holder driving a two-wheeler without specific endorsement — Whether considered a fundamental breach of insurance policy conditions. India Law Library Docid # 2439898
(139) M/S VINOD OIL MILLS Vs. ORIENTAL INSURANCE CO. LTD.[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 11-11-2025 Consumer Protection — Insurance Claim — Marine Cargo Open Policy — Coverage for Theft, Pilferage, and Non-Delivery (TPND) — Loss of goods (oil) occurred while in transit; reported as theft and FIR lodged — Police submitted a final report for cancellation of FIR, suggesting misappropriation by the driver rather than theft — Insurance company repudiated the claim based on the cancellation report — Held, the factum of non-delivery and loss of goods is self-evident; the loss falls within India Law Library Docid # 2437345
(140) UNITED INDIA INSURANCE COMPANY LIMITED Vs. A. SUSHILA AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 07-11-2025 Consumer Protection Act, 1986 — Section 21 — Revision Petition — Motor Insurance — Vehicle Theft Claim — Repudiation Grounds — Insurance company repudiated claim on grounds of: (a) delay in lodging FIR (3 days); (b) delay in intimating the Insurance Company (22 months); and (c) driver's negligence (leaving ignition key). India Law Library Docid # 2437343