(61) UNITED INDIA INSURANCE CO. LTD. Vs. M/S. JEEWAN AUTO INDUSTRIES AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 15-10-2025 Consumer Protection Act, 1986 — Section 21(b) — Revisional jurisdiction — Limited scope — Can interfere only if findings are perverse, arbitrary or contrary to law — Concurrent findings of Fora below cannot be lightly discarded. India Law Library Docid # 2434647
(62) M/S. SANWARIA AGRO OILS LTD. Vs. NEW INDIA ASSURANCE CO. LTD. AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 15-10-2025 Insurance Law — Spontaneous Combustion — Claim for loss due to spontaneous combustion — Absence of scientific evidence — Repudiation of claim upheld where complainant failed to provide credible scientific or technical evidence to establish spontaneous combustion or the extent of damage, despite repeated requests from the surveyor and insurer. India Law Library Docid # 2434648
(63) IDBI BANK LTD. Vs. SRI. BIJTH SIMON[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 15-10-2025 Consumer Protection Act, 1986 — Deficiency in Service — Loss of Title Deeds by Bank — A bank's failure to safeguard original title deeds of a borrower, deposited as security for a home loan, and its significant delay in informing the borrower about the destruction of these documents due to a fire at a third-party storage facility, constitutes a clear deficiency in service and negligence. India Law Library Docid # 2434649
(64) HYUNDAI MOTOR INDIA LTD. Vs. VIPUL CHAUDHARY AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 15-10-2025 Consumer Protection Act, 1986 — Section 17(1)(a) and Section 19 — Jurisdiction of State Commission — Appeal against District Forum Order — Coram Non Judice — An order passed by a State Commission which is not duly constituted as per the minimum statutory requirement of at least two members is a nullity in the eyes of law — Such an India Law Library Docid # 2434650
(65) M. ASHOK KUMAR Vs. K. RAJASEKHAR AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 15-10-2025 Consumer Protection Act, 1986 — Section 2(1)(d) — Definition of "consumer" — Commercial purpose — Burden of proof — The service provider bears the burden of proving that a service was obtained for a commercial purpose, not the complainant. The standard of proof is a preponderance of probabilities, and the facts and circumstances of each case must be evaluated to determine the dominant purpose of the transaction. India Law Library Docid # 2434651
(66) SHREE BHAVNAGAR NAGRIK SAHAKARI BANK LTD. Vs. UNITED INDIA INSURANCE CO. LTD.[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 15-10-2025 Insurance Policy — Bankers Indemnity Policy — Fraudulent transactions — Bank's claim for loss due to employee's fraud — Insurance company repudiated claim citing negligence and breach of policy terms — Held, policy covers losses due to dishonest acts of employees, but not those arising from the insured bank's own negligence or wilful India Law Library Docid # 2434646
(67) ANIL SINGH Vs. ICICI BANK PVT. LTD. AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 13-10-2025 Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 — Section 17 and Section 34 — Jurisdiction of Consumer Commission to stay SARFAESI proceedings — Consumer Commission lacks jurisdiction to stay or interfere with proceedings initiated under SARFAESI Act, as such matters must be raised before Debt Recovery Tribunal (DRT) under Section 17 of the Act India Law Library Docid # 2434645
(68) AJAY JAIN AND OTHERS Vs. NEW INDIA ASSURANCE CO. LTD. AND ANOTHER[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 13-10-2025 Insurance Law — Fire Policy — Repudiation of Claim — Grounds for Repudiation — Manipulation of Fire and Non-furnishing of Documents — Onus of Proof — Insurance company repudiated claim on grounds of manipulated fire and non-furnishing of documents. Evidence including fire department reports, investigator's report, and statements from fire officials indicated fire was caused by India Law Library Docid # 2434713
(69) ASHWANI KUMAR KUKKAR Vs. SKY KING COURIER COMPANY[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 09-10-2025 Consumer Protection Act, 2019 — Section 51 — Second appeal — Scope — Limited to substantial question of law — Appeal can be entertained only if a substantial question of law is involved. India Law Library Docid # 2434714
(70) CHIEF MANAGER BANK OF BARODA Vs. DR. JAGANNATH GOVIND LAL AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 08-10-2025 Consumer Protection Act, 1986 — Complaint — FCNR deposits — Complainant's claim that FCNRs 055185 and 0710758 remained unpaid — Bank's contention that these were renewed receipts in a series, with the last one paid on 05.06.2012. India Law Library Docid # 2434715
(71) PARITOSH UPADHYAY Vs. AXIS BANK LTD. AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 08-10-2025 Consumer Protection Act, 1986 — Pecuniary Jurisdiction — Complaint dismissed due to lack of pecuniary jurisdiction as alleged deficiency in service stemmed from bank charges, not consideration paid for services. India Law Library Docid # 2434716
(72) SHIVAJIRAO MORE Vs. SIDDHANATH SAWANT AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 07-10-2025 Consumer Protection Act, 1986 — Section 2(1)(d) — Consumer — Definition — Purpose of purchase — Machinery purchased for running an industrial unit employing workers for commercial profit, not for livelihood by self-employment, does not qualify as a purchase by a "consumer" under the Act. India Law Library Docid # 2434717
(73) MR. JOYDEEP BANERJEE AND OTHERS Vs. RELIGARE HEALTH INSURANCE COMPANY LTD. AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 03-10-2025 Insurance Law — Repudiation of claim — Aviation training exclusion — Complainant obtained health insurance for pilot training in the US. Policy had an exclusion clause for aviation training. Complainant suffered injuries during training. Insurance company repudiated the claim based on the exclusion clause. Held, policy terms and conditions must be strictly construed. The exclusion clause was clearly India Law Library Docid # 2434718
(74) M/S. JASWANT NAGAR COLD STORAGE PRIVATE LIMITED Vs. PREM SINGH[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 03-10-2025 Consumer Protection Act, 1986 — Section 12, 21(b) — Deficiency in Service — Cold Storage — Liability of licensee — Failure to comply with mandatory requirements of Section 17 of the U.P. Regulation of Cold Storages Act, 1976 regarding disposal of goods — This constitutes deficiency in service. India Law Library Docid # 2434719
(75) M/S PREMIUM ACRES INFRATECH PVT. LTD. AND OTHERS Vs. GURINDER SINGH GILL AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 03-10-2025 Consumer Protection Act, 1986 — Section 17(2)(c) — Territorial Jurisdiction — Consumer forums are not courts — A clause in a buyer agreement specifying jurisdiction of civil courts does not oust the jurisdiction of consumer forums — Part of cause of action arose in Chandigarh where the buyer agreement was executed, India Law Library Docid # 2434720
(76) MANAGER AGRICULTURE INSURANCE COMPANY OF INDIA LTD. AND OTHERS Vs. BRANCH MANAGER PUNJAB NATIONAL BANK AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 01-10-2025 Consumer Protection Act, 2019 — Section 2(7) — Consumer — Pradhan Mantri Fasal Bima Yojana (PMFBY) — Compulsory insurance for loanee farmers — Issue of whether a farmer is a "consumer" of the insurance company when insurance is compulsory — Held not relevant as the dispute was about inter se liability between the bank and the insurance company. India Law Library Docid # 2434721
(77) MRS. RICHA NAVENDU SHRIVASTAVA Vs. DR. SANGRAM KARANDIKAR AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 01-10-2025 Consumer Protection Act, 1986 — Medical Negligence — Adverse reaction to IV fluid — Allegation of medical negligence against surgeon, hospital, and anaesthetist. Patient admitted for piles surgery, surgery postponed, then IV fluid administered. Patient developed shivering, fever, and other complications. Cause of death disputed, with potential involvement of Leptospirosis or adverse reaction to IV fluid. The India Law Library Docid # 2434722
(78) LIFE INSURANCE CORPORATION OF INDIA AND OTHERS Vs. HARSIRAT KAUR[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 30-09-2025 Insurance Law — Life Insurance Policy — Lapsed Policy — Premium payment after death of insured — Insurance company repudiated claim on ground policy had lapsed and premium was paid after insured's death — Lower consumer forums allowed claim based on lack of documented proof of death time and presumption of revival of policy due to acceptance of premium with late fee — National Commission India Law Library Docid # 2434753
(79) M/S. ASIAN THEATRES PVT. LTD. Vs. ORIENTAL INSURANCE CO. LTD. AND ANOTHER[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 30-09-2025 Insurance — Distributors Loss of Revenue Policy — Claim for indemnification — Repudiation by insurance company — Grounds for repudiation — Non-communication of release date and provocative comments by producer — Whether grounds valid. India Law Library Docid # 2434754
(80) AJANTA HOSPITAL & IVF CENTRE PVT. LTD. AND OTHERS Vs. AJAY CHATURVEDI AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 30-09-2025 Consumer Protection Act, 1986 — Liability for medical negligence — Appellants hospital and doctor not liable for medical negligence — State Commission's finding that bedsores developed due to improper hygiene and lack of nursing care at Appellants' hospital leading to Stage-IV bedsores not based on proper estimation of circumstances. India Law Library Docid # 2434710