(81) M/S SBI CARDS & PAYMENTS SERVICES PVT. LTD. Vs. SRI. HARANDRA NARAYAN MAHAPATRA[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 09-01-2026 Consumer Protection Act, 1986 — Sections 19, 2(1)(d) — Appeal against State Commission order — Delay in filing of appeal condoned — Parties referred to as per complaint before State Commission. Complainant alleged wrong reporting in CIBIL records leading to denial of loans and financial facilities. India Law Library Docid # 2438718
(82) THE AUTHORISED OFFICER TRANS CAR INDIA PRIVATE LIMITED AND OTHERS Vs. MR. S. PARAMAGURU[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 09-01-2026 Consumer Protection Act, 1986 — Section 2(1)(d) — Consumer — Purchase of premium vehicle for business promotion and enhancing business profile — Not a commercial purpose — Desire to maintain lifestyle or possess a premium vehicle for personal impression is not commercial activity for profit generation — Complainant admittedly self-employed with no material to show vehicle deployed for commercial India Law Library Docid # 2438719
(83) RAJAT DHAVALAGIRI CO-OPERATIVE HSG. SOCIETY LTD. Vs. M/S RELCON INFRAPROJECTS LIMITED[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION NEW DELHI] 08-01-2026 Consumer Protection Act, 1986 — Section 2(d)(ii) and 2(o) — "Consumer" and "Service" — Consideration — Held, a cooperative housing society and its members who avail redevelopment services from a developer, where the developer bears all costs and provides relocation charges, are not consumers as there is no consideration India Law Library Docid # 2438740
(84) INDUSIND BANK LTD Vs. SMT. SAROJA[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 07-01-2026 Consumer Protection Act, 1986 — Deficiency in Service — Bank’s Liability — Unauthorized Transactions — Where a customer reports an unauthorized transaction, the bank is bound to credit the amount to the customer’s account within 10 working days. Failure to do so constitutes a deficiency in service. India Law Library Docid # 2438640
(85) SHYAMALI PAUL Vs. SOMNATH SAHA AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 07-01-2026 Consumer Protection Act, 1986 — Section 19 — Appeal — Setting aside ex-parte order — Appeal challenging an ex-parte order allowed by State Commission on ground of deficiency in service due to non-appearance of opposite parties — Appellant contends service of notice was suppressed by complainant by using an old address and effecting substituted service through a newspaper with limited circulation India Law Library Docid # 2438641
(86) MRS. CHANDRA PRABHA SHARMA AND OTHER Vs. M/S IMPERIA STRUCTURES LTD[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 05-01-2026 Consumer Protection Act, 1986 — Section 2(1)(d) — Definition of 'consumer' — "Commercial purpose" exclusion — Mere booking of a residential unit with an assured return clause does not automatically make the transaction commercial unless the dominant intention is resale, business, or profit as a regular activity India Law Library Docid # 2438642
(87) RELIANCE NIPPON LIFE INSURANCE COMPANY LIMITED AND OTHERS Vs. NEELAM SOBTI AND OTHERS[HARYANA STATE CONSUMER DISPUTES REDRESSAL COMMISSION U.T., CHANDIGARH] 05-01-2026 Consumer Protection Act, 1986 — Sections 2(1)(d) & 12 — Insurance Policy — Mis-selling — Senior Citizen — Agent's Misrepresentation — If an insurance policy is sold through misrepresentation and without explaining its terms and conditions, especially to a senior citizen who invested with the assurance of short-term returns, the insurer is liable. Mere signatures on proposal forms do not constitute informed India Law Library Docid # 2438648
(88) BALAMURGAN SHANMUGAM Vs. IREO GRACE REALTECH PVT. LTD AND OTHER[DELHI STATE CONSUMER DISPUTES REDRESSAL COMMISSION] 05-01-2026 Consumer Protection Act, 2019 — Section 2(1)(d) — Definition of 'consumer' — Property purchased for commercial purpose — Mere ownership of multiple properties does not automatically deem a purchase for commercial purpose — Onus is on the Opposite Party to prove purchase was for 'purchase and sale of flats' for profit. India Law Library Docid # 2438650
(89) THE NEW INDIA ASSURANCE CO. LTD. AND OTHER Vs. VIVEK SHARMA[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 01-01-2026 Consumer Protection Act, 1986, Section 21(b) — Revision Petition — Insurance Claim — Repudiation — Incorrect policy conditions cited in repudiation letters. India Law Library Docid # 2438643
(90) NARAIN FORD Vs. SMT. KANTI KHANNA AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 01-01-2026 Consumer Protection Act, 1986 — Section 13(1)(c) — Defect in goods requiring expert analysis — Failure to obtain expert opinion — Consumer complaint allowed by State Commission without expert evidence — Appeal to National Commission — No expert opinion on whether fuel pump should have automatically switched off after impact — Court held that without expert analysis, it cannot be established that the India Law Library Docid # 2438644
(91) CHOLA MANDALAM MS GENERAL INSURANCE CO. LTD. Vs. ASHOKE DEBNATH AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 01-01-2026 Consumer Protection Act, 1986 — Section 21(b) — Revisional Jurisdiction — Scope — National Commission's power to interfere with orders of State Commission is limited — Interference is only justified if the State Commission has exercised jurisdiction not vested in it, failed to exercise vested jurisdiction, or acted illegally or with material irregularity — Concurrent findings of fact by lower fora based on India Law Library Docid # 2438645
(92) THE BRANCH MANAGER, LIFE INSURANCE CORPORATION OF INDIA AND OTHER Vs. M. CHARAN REDDY[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 01-01-2026 Consumer Protection Act, 1986 — Section 21(b) — Revisional Jurisdiction — Scope — Limited — Cannot interfere with concurrent findings of fact unless perverse or suffering from jurisdictional error or material irregularity. India Law Library Docid # 2438646
(93) 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
(94) 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
(95) 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
(96) 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
(97) 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
(98) 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
(99) 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
(100) 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