(81) 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
(82) 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
(83) 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
(84) 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
(85) 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
(86) 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
(87) 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
(88) 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
(89) 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
(90) 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
(91) 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
(92) 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
(93) 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
(94) ICICI PRUDENTIAL LIFE INSURANCE CO. LTD. AND OTHER Vs. HARVINDER NAGPAL[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 02-02-2026 Consumer Protection Act, 1986 — Section 19 — Appeal against State Commission order — Insurance claim repudiation — Suppression of material facts — DLA diagnosed with cancer and underwent treatment prior to policy issuance — Failure to disclose in proposal form — amounted to suppression of material facts — State Commission order India Law Library Docid # 2440688
(95) DIVISIONAL MANAGER, NATIONAL INSURANCE COMPANY LIMITED AND ANOTHER Vs. BATTALA SUDHAKAR BABU[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 30-01-2026 Insurance Law — Repudiation of claim — Grounds for repudiation — Overloading — The National Consumer Disputes Redressal Commission held that to invalidate an insurance claim on the grounds of overloading, the insurance company must provide conclusive proof of such overloading — A discrepancy in consignment weight, where India Law Library Docid # 2440689
(96) RAKESH KUMAR SHUKLA Vs. ALOK EYE HEALTH AND OPTICAL CENTRE[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 30-01-2026 Consumer Protection Act, 1986 — Section 2(1)(d), 2(1)(g), 12 — Medical Negligence — Deficiency in Service — Consumer Status — District Forum dismissed complaint on preliminary ground, failing to decide on merits of medical negligence and deficiency in service — State Commission accepted petitioner as a consumer but wrongly held that a diploma holder could prescribe allopathic medicines — Prescription of allopathic India Law Library Docid # 2440690
(97) M/S IFFCO-TOKIO GENERAL INSURANCE COMPANY LTD. AND OTHERS Vs. M/S NIPPON YUSEN KABUSHIKI KAISHA AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 28-01-2026 Consumer Protection Act, 1986 — Section 2(1)(d) — Definition of "Consumer" — Insurance companies are entitled to file complaints under the Act as subrogees, either in their own name with the assured as an attorney holder, or jointly with the assured — They cannot maintain a complaint solely in their own name if the subrogation is considered a pure assignment. India Law Library Docid # 2440691
(98) M/S. MODERN AUTOMOBILES AND ANOTHER Vs. PREETY GURU AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 27-01-2026 Consumer Protection Act, 1986 — Sections 2(1)(g), 2(1)(r), 21(b) — Revision Petition — Motor Vehicle Dispute — Sale Certificate Year of Manufacture Alteration — Deficiency in Service — Complaint by purchaser that vehicle manufactured in 2011 was sold as 2012 model — Dealer issues second sale certificate with amended manufacture year — Both parties contributed to the dispute — Vehicle aged significantly, rendering India Law Library Docid # 2440692
(99) LIFE INSURANCE CORPORATION OF INDIA Vs. NANDLAL TIWARI[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 22-01-2026 Consumer Protection Act, 1986 — Section 21(b) — Revisional jurisdiction — Limited scope — Commission cannot interfere with concurrent findings of fact unless perverse, suffering from jurisdictional error, or material irregularity. India Law Library Docid # 2438709
(100) THE DIRECTOR, RELIANCE NIPPON LIFE INSURANCE CO. LTD. Vs. BAL KRISHNA SHARMA AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 22-01-2026 Consumer Protection Act, 1986 — Jurisdiction of National Commission — Revisional jurisdiction is limited — National Commission should only exercise power if State Commission acted without jurisdiction, failed to exercise jurisdiction, or acted illegally or with material irregularity — Cannot interfere with concurrent findings of India Law Library Docid # 2438710