(21) DEEP SEA RESORT ANDAMAN PRIVATE LIMITED Vs. ANDAMAN AND NICOBAR STATE COOPERATIVE BANK LIMITED[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 23-04-2026 Consumer Protection Act, 2019 — Pecuniary Jurisdiction — Repayment of loan amounts does not constitute consideration paid for services rendered by the bank for determining pecuniary jurisdiction — Only amounts paid to avail bank services, like loan processing charges, can be considered. India Law Library Docid # 2444397
(22) MOHINDER PAL SINGH Vs. PAN REALTORS PRIVATE LIMITED[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 23-04-2026 Consumer Protection Act, 1986 — Section 21 — Deficiency in Service — Delayed Possession — Builder failed to deliver possession of housing units within the agreed timeline, including the grace period — Offer of possession without a valid India Law Library Docid # 2444398
(23) BALAJI COLD STORAGE AND ICE FACTORY Vs. SRI PAL GUPTA[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 23-04-2026 Consumer Protection Act, 1986 — Section 17(1)(a) and Section 21(b) — Revision Petition — Delay Condonation — Delay in filing revision petitions was condoned due to sufficient reasons stated in applications. India Law Library Docid # 2444399
(24) BANK OF BARODA (ERSTWHILE DENA BANK) Vs. M/S DUTTA WELDING & REPAIR WORKS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 23-04-2026 Consumer Protection Act, 1986 — Deficiency in service by Bank — Bank took out an insurance policy for hypothecated assets but failed to include coverage for theft and burglary for the subsequent period — There was no intimation to the complainant nor their consent obtained before omitting this coverage — This omission constituted India Law Library Docid # 2444400
(25) VINEET VIDGE Vs. UNITED INDIA INSURANCE CO. LTD[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 23-04-2026 Insurance Law — Fire Claim — Repudiation of claim by insurance company based on worker's statement alleging owner's negligence in repairing an electric press leading to a fire — National Consumer Disputes Redressal Commission found no India Law Library Docid # 2444401
(26) SANTOSH SHARMA Vs. SANTOSH CHILD & MULTISPECIALITY HOSPITAL[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 23-04-2026 Consumer Protection Act, 1986 — Section 2(1)(d) — Consumer — Medical services — Maintainability of complaint — A hospital is considered to be outside the purview of the Consumer Protection Act only if medical services are provided entirely free of charge to all patients — If a hospital provides free services to some patients India Law Library Docid # 2444402
(27) KANHAIYA LAL Vs. UNITED INDIA INSURANCE COMPANY LIMITED[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 23-04-2026 Consumer Protection Act, 1986 — Sections 21(b) — Insurance claim repudiation — Breach of policy condition — Arson — The claim could not be repudiated in full because the fire was a criminal act and there was no causal connection between the alleged commercial use and the fire — The insurer cannot avoid liability altogether India Law Library Docid # 2444403
(28) DR. SATISH KISHORANADN AROLKAR Vs. SUSHIL MUKESH GAGLANI[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 23-04-2026 Consumer Protection Law — Deficiency in service — PRP Treatment — Complainant failed to prove negligence or unfair trade practice by medical practitioners despite seeking hair regrowth treatment, as personal body response varies and no expert evidence was presented to establish fault. India Law Library Docid # 2444404
(29) VARSHA MADHUKAR KHANWALKAR AND OTHERS Vs. AXIS BANK AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 20-04-2026 Consumer Protection Act, 2019 — Scope of jurisdiction — Complaints involving speculative stock trading and investments for profit are considered commercial transactions and fall outside the purview of consumer complaints. India Law Library Docid # 2444405
(30) BRANCH MANAGER, RELIANCE LIFE INSURANCE COMPANY LIMITED Vs. SHRI VILAS HARIMAN SHINDE[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 20-04-2026 Insurance Law — Life Insurance Policy — Premium Payment and Policy Validity — The National Consumer Disputes Redressal Commission dismissed a revision petition, upholding decisions by lower consumer forums — The core issue was whether a life insurance policy remained valid when the life assured died before the next premium due date, despite a premium having been paid earlier — The Commission found no illegality in the concurrent findings of the lower forums that if India Law Library Docid # 2444406
(31) INDRAPRASTHA APOLLO HOSPITAL Vs. RAJ KARAN SINGH[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 17-04-2026 Consumer Protection Act, 1986 — Medical Negligence — Compensation Enhancement — Enhancement of compensation by State Commission from Rs. 1,00,000/- to Rs. 10,00,000/- was deemed excessive and punitive, particularly in light of expert medical opinion suggesting multiple potential causes for the patient's collapse, and the patient's pre-existing critical condition — The original award of Rs. India Law Library Docid # 2442555
(32) M/S ARLINGA GALLERIA (INDIA) PVT. LTD. (FORMERLY KNOWN AS RMZ GALLERIA (INDIA) PVT. LTD.) Vs. MRS. ARUNA NANDA[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 16-04-2026 Consumer Protection Act, 2019 — Section 47(iv)(d) — Territorial Jurisdiction — Complaint filed in Delhi while property in Bangalore — Consumer Protection Act, 2019 came into force before filing of complaint, making Section 47(iv)(d) applicable — This provision allows filing of complaint where the complainant resides, India Law Library Docid # 2442556
(33) M/S. HIMALAYAN AGENCIES Vs. NEW INDIA ASSURANCE COMPANY LIMITED AND OTHER[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 15-04-2026 Consumer Protection Act, 1986 — Deficiency in Service — Insurance Claim — Fire Loss — Complainant alleged arbitrary deductions from insurance claim by insurer concerning fire loss — Insurer contended claim was processed according to policy terms and surveyor's assessment, with lawful deductions for dead stock, India Law Library Docid # 2442557
(34) MANAGING DIRECTOR CHHATTISGARH RAJYA LAGHU VANOPAJ SAHKARI SANGH MARYADIT AND OTHERS Vs. UNITED INDIA INSURANCE COMPANY LIMITED[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 15-04-2026 Insurance Law — Standard Fire and Special Perils Policy — repudiation of claim — fraudulent claim — violation of policy conditions — scientific evidence — analysis of burnt debris compared to fresh samples — significant variations in inorganic components — conclusion that affected items were not tendu leaves as claimed — adherence to survey report recommendations. India Law Library Docid # 2442558
(35) J.N. MEHRA(DECEASED) THROUGH LRS. GAYATRI REWAL Vs. APOLLO HOSPITAL AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 15-04-2026 Consumer Protection Act, 1986 — Medical Negligence — Duty of Care — Onus of Proof — Medical negligence requires a breach of duty of care, which is a failure to act as a reasonably prudent person would, or doing something a reasonably prudent person would not do — The onus to prove medical negligence lies on the complainant, who must provide both the facts to be proved (facta probanda) and the India Law Library Docid # 2442559
(36) SENIOR DEVISIONAL MANAGER, LIFE INSURANCE CORPORATION OF INDIA AND OTHERS Vs. ILMA BANO[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 13-04-2026 Insurance Law — Revival of lapsed policy — False declaration by insured — Suppression of material facts regarding health at the time of revival — It is settled law that a false declaration made by the insured at the time of revival of a lapsed policy, similar to a false declaration at the time of obtaining the policy, amounts to a breach India Law Library Docid # 2442560
(37) AGRICULTURE INSURANCE COMPANY OF INDIA LIMITED AND OTHERS Vs. BANK OF INDIA AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 13-04-2026 Pradhan Mantri Fasal Bima Yojana (PMFBY) — Farmer Insurance Claims — Role of Banks and Insurance Companies — The scheme mandates a coordinated approach between banks and insurance companies — While banks are responsible for uploading farmer details and remitting premiums, insurance companies are expected to engage with banks to rectify discrepancies — If a bank fails to provide correct India Law Library Docid # 2442561
(38) SAPNA AND OTHERS Vs. RELIGARE HEALTH INSURANCE COMPANY LIMITED AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 08-04-2026 Insurance Law — Personal Accident Policy — Claim Repudiation — Accidental Death vs. Suicide — The National Consumer Disputes Redressal Commission (NCDRC) ruled that the deceased's death was accidental, not suicidal, based on multiple police investigation reports confirming the accident. The NCDRC found that the insurer failed to discharge its burden of proving that the death fell under the India Law Library Docid # 2442562
(39) V. MAHESH LIQUIDATOR FOR M/S. NAGARJUNA OIL CORPORATION LTD. Vs. NEW INDIA ASSURANCE COMPANY LTD AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 07-04-2026 Consumer Protection Act, 1986 — Section 2(1)(d) — Definition of "Consumer" — Insurance for business purposes — Procurement of an insurance policy for protection of assets or risks, even in the course of business, does not amount to hiring services for a "commercial purpose" if obtained for indemnification and not for profit India Law Library Docid # 2442563
(40) J. MAHANI Vs. M/S. ARN INFRA STRUCTURES INDIA LIMITED[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 07-04-2026 Consumer Protection Act, 1986 — Section 2(1)(d) — Definition of Consumer — Commercial Purpose — Booking of a commercial unit for investment with assured returns, even by a retired individual for livelihood, is considered a commercial purpose and falls outside the definition of "consumer" under the Act, as it lacks the India Law Library Docid # 2442565