Citation Codes

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Case Number

A/18/1080

Attorney(S)

Shri Mukesh Sharma

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Smart Summary

Structured Summary of the Legal Opinion

Factual and Procedural Background

This opinion concerns Appeal No. FA/2018/1080, titled Rakesh Kumar Agrawal Vs. B.M., LIC of India & Anr., pronounced on 07.02.2023. The file header records the matter as "Dismissed." The opinion text contains a narrative of events and the procedural history as presented in the record: various filings and dates are recorded (for example references to dates such as 14-12-2018, 29-11-2018, 27-07-2016, 01-10-2017 and others). The record also contains a long, numbered set of submissions and responses by filings/parties and documentary references (including file/claim numbers such as 359179151, 359255109 and other registry references).

The provided text appears to be the court's published opinion or order recording the history, parties' submissions, documentary material relied upon and the pronouncement on 07 February 2023. The operative procedural status at the end is that the appeal was dismissed.

Legal Issues Presented

The opinion addresses a procedural matter and does not frame distinct legal issues.

Arguments of the Parties

The opinion contains a detailed set of numbered submissions attributed to the parties. The text does not present these as succinct "headlines" of legal argument but as numbered factual and legal contentions. The following summaries reproduce and condense, strictly on the basis of the text, the submissions as recorded.

Respondent's (identified in text as "vihykFkhZ@ifjoknh") Submissions

The respondent's submissions are recorded in multiple numbered paragraphs and include a chronology of events relating to the policy/account/claim identified by file numbers (for example, mentions of ikWfylh dzekad 359179151 and 359255109).
The respondent states that certain disbursements and account transactions were made and recorded: e.g., references to amounts and instruments such as "62,848", "50,000", and "2,000" (as recorded in the text), and that instructions were followed in issuing payments or taking recovery steps (see the narrative that begins "vihykFkhZ@ifjoknh ds ifjokn dks Lohdkj djrs gq, vknsf'kr fd;k x;k gS..." in the record).
The respondent describes steps taken in relation to recovery and medical/testing processes: the text records that various tests and procedures were engaged for medical/clinical verification (references include "FBS, Lipidogram, elisa for HIV & HB%" in the context of documentary/testing requirements and the respondent's position on testing).
The respondent sets out that certain amounts were deposited or held in specified accounts and repeats account/claim identifiers and dates (for instance references to payments/receipts dated 27-07-2016 and 14-07-2017 are recorded).
The respondent records an objection to liability in certain respects and refers to compliance with specified timelines and procedures (for example, reference is made to steps taken on dates 01-10-2017 and 28-12-2017 and to correspondence and processes such as "mRrjoknhx.k@fo:) i{kdkjx.k" being engaged in the record).
The respondent records reliance on certain documentary proofs and administrative file numbers to show steps taken, including entries showing issuance/receipt of funds and related administrative actions in respect of the claim file numbers referenced above.

Other Party/Agent Submissions (identified in the text as "mRrjoknhx.k@fo:) i{kdkjx.k" and related entries)

The record attributes submissions and certain positions to an entity referenced repeatedly (rendered in the record as "mRrjoknhx.k@fo:) i{kdkjx.k"). These entries are recorded in the opinion as the counterpart contentions to the respondent's points and include the following as recorded in the text:
Statements about amounts asserted to be payable under certain headings (for example the record repeatedly references a sum of "10,00,000" as an amount with the associated file/claim number 359179151).
Assertions that specific procedural steps were (or were not) taken at given times, with repeated reference to dates when instruments or orders were made and to the availability of funds in accounts and to the dates when medical or other verifications were done or recorded.
References to contention about what relief or payment should be available and on what documentary basis (for example, the record contains an itemised schedule in paragraphing which sets out different claimed sums and the head under which they are claimed — recorded in the opinion text itself).
The text records that these submissions were presented to the court and appear in the court record; the opinion records them but does not restate a separate, concise legal theory in a single sentence—rather it preserves them as the numbered narrative recorded in the file.

Table of Precedents Cited

The opinion text explicitly cites at least one reported precedent and several referenced authorities. The court's record includes counsel's reference to these authorities. The table below reproduces each such citation as it appears in the text, states what the text says the citation was relied for, and how the court recorded its application in the opinion.

Precedent	Rule or Principle Cited For	Application by the Court
IV (2009) CPJ 8 (SC)	The text records this citation among authorities relied upon by counsel; it is presented as a Supreme Court citation used in submissions.	The opinion records that counsel referred to this authority during submissions (the text: references counsel's reliance on "IV (2009) CPJ 8 (SC)"). The court records the reliance but does not elaborate further within the provided text.
382@2011	Recorded in the text as an authority (file/citation) relied upon by counsel.	The opinion records counsel's reference to this citation as part of the authorities relied upon; the text does not set out a separate analysis of this citation beyond noting reliance.
383@2011	Recorded in the text as an authority (file/citation) relied upon by counsel.	The opinion records counsel's reference to this citation as part of the authorities relied upon; the text does not set out a separate analysis of this citation beyond noting reliance.
1059@2009	Recorded in the text as an authority (file/citation) relied upon by counsel.	The opinion records that this citation was among those on which arguments were placed; the court's text notes the reliance but does not expand the courtroom application further within the provided extract.

Court's Reasoning and Analysis

The provided opinion primarily records a detailed factual and documentary narrative and the parties' numbered contentions, and sets out the authorities relied upon. The document as supplied does not contain a lengthy, separately-labelled step-by-step legal analysis in conventional "ratio" form that isolates legal principles and applies them sequentially; rather it records the parties' positions, documentary references, and the authorities counsel relied upon, and then shows the final procedural outcome.

What is explicitly recorded in the text:

The record documents a chronology of account entries, claim/claim-file numbers and dates (for instance the opinion records entries and dates such as 27-07-2016, 14-07-2017, 01-10-2017, 28-12-2017 and other dates connected to the claim files).
The court's record notes that counsel placed reliance on the cited authorities (for example IV (2009) CPJ 8 (SC) and the other cited numeric authorities) in their written/oral submissions; the opinion records these references.
The court records the parties' positions about the documentary evidence, tests and medical laboratory reports (the opinion explicitly lists references to "FBS, Lipidogram, elisa for HIV & HB%" in the context of tests discussed in the record), and various administrative steps undertaken by the insurer/other party with file numbers indicated.
The opinion records the procedural chronology and the court's administrative notations and then proceeds to the final pronouncement (the matter being "Dismissed").

In short, the provided text preserves the factual matrix and the parties' contentions and records the authorities relied upon; it does not, in the excerpt provided, set out an expanded, line-by-line judicial exposition of legal principles beyond recording what was relied upon and the chronological documentary findings.

Holding and Implications

Holding: The court's final disposition is recorded as DISMISSED (the file header and closing record state the matter as "Dismissed" and the pronouncement date is 07 February 2023).

Implications: The direct effect, as recorded in the opinion, is that the appeal (Appeal No. FA/2018/1080) is dismissed. The opinion as provided does not set out a separately-worded, generalized legal precedent or novel rule of law in a distilled ratio; it records the parties' submissions, documentary history and the authorities relied upon and then records dismissal. Therefore no new, broadly-framed legal precedent is identified in the provided text beyond the court's disposition of this appeal.

Document metadata (from the provided opinion):

Case Title: Rakesh Kumar Agrawal Vs. B.M., LIC of India & Anr.
Appeal No.: FA/2018/1080
Date Pronounced: 07.02.2023
Outcome recorded in document header: Dismissed

Note: This summary is strictly confined to the information contained in the provided opinion text. No facts, arguments or legal conclusions have been invented or inferred beyond what the opinion text itself records.

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Rakesh Kumar Agrawal v. B.M , LIC of India & Ors

Appeal No. FA/2018/1080 Rakesh Kumar Agrawal Vs.

B.M., LIC of India & Anr. Date of Pronounced On- 07.02.2023

Dismissed Page 1 of 10

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vihykFkhZ@ifjoknh ds ifjokn dks Lohdkj djrs gq, vknsf'kr fd;k x;k gS fd **vukosndx.k la;qDr vFkok i`Fkd&i`Fkd :i ls vkosnd dks vnk dh xbZ izhfe;e jkf'k&62]848@&¼ck;lB gtkj vkB lkS vM+rkyhl :i;s½ ,oa 'kkjhfjd o ekufld {kfriwfrZ gsrq 50]000@&¼ipkl gtkj :i;s½ rFkk okn O;; 2]000@&¼nks gtkj :i;s½ ,d ekg ds vanj vnk djsaxs vkSj vkns'k dk ikyu u fd;s tkus ij ifjokn izLrqfr fnukad&17-09-2018 ls vnk;xh fnukad rd 09 izfr'kr okf"kZd dh nj ls C;kt ns; gksxk** ls {kqC/k gksdj {kfriwfrZ esa o`f) gsrq ;g vihy izLrqr fd;k gSA

02- lacaf/kr ftyk vk;ksx ds le{k vihykFkhZ@ifjoknh dk ifjokn la{ksi esa bl izdkj jgk gS fd vihykFkhZ@ifjoknh ds NksVs HkkbZ jfo dqekj vxzoky }kjk mRrjoknhx.k@fo:) i{kdkjx.k ls 10]00]000@&¼nl yk[k :i;s½ dk U;w thou vkuan ikWfylh fy;k Fkk ftldk ikWfylh dzekad&359179151 gSA ikWfylh dk okf"kZd izhfe;e 30]732@&¼rhl gtkj lkr lkS cRrhl :i;s½ fnukad&27-07- 2016 dks Hkqxrku fd;k Fkk ftlesa vihykFkhZ@ifjoknh ukfeuh FkkA mDr ikWfylh fnukad&27-07-2050 rd ds fy, FkkA o'kZ 2017 esa th- ,l- Vh- ykxw gks tkus ds dkj.k mDr ikWfylh ds rgr fnukad&14-07-2017 dks okf"kZd izhfe;e 31]424@&¼bdrhl gtkj pkj lkS pkSchl :Ik;s½ vnk fd;k x;k FkkA chekdrkZ jfo dqekj vxzoky dh fnukad&01-10-2017 dks vlkef;d e`R;q gks xbZ rc vihykFkhZ@ifjoknh }kjk fnukad&28-12-2017 dks Dyse QkeZ leLr nLrkostksa lfgr mRrjoknhx.k@fo:) i{kdkjx.k ds ikl tek fd;k x;k] fdarq mls nkok jkf'k dk Hkqxrku ugha fd;k x;k ftlds dkj.k vihykFkhZ@ifjoknh dks ifjokn ykus dh vko';drk iM+h gSA vr% vihykFkhZ@ifjoknh dks mRrjoknhx.k@fo:) i{kdkxj.k ls nkok jkf'k&10]00]000@&¼nl yk[k :i;s½ ,oa ml ij fnukad&01-10-2017 ls Hkqxrku rd 12 izfr'kr okf"kZd dh nj ls C;kt] ekufld

,oa 'kkjhfjd {kfr ds en esa 2]00]000@&¼nks yk[k :i;s½ dqy&12]00]000@&¼ckjg yk[k :i;s½ ,oa ml ij C;kt fnyk;s tkus dk fuosnu fd;k gSA

03- lacaf/kr ftyk vk;ksx ds le{k mRrjoknhx.k@fo:) i{kdkjx.k us fyf[kr dFku izLrqr dj cpko fy;k gS fd chek lafonk dk ,d vko';d rRo ije ln~fo'okl gS ftlds vk/kkj ij gh chek /kkjd ds }kjk izLrko&i= esa nh tkus okyh tkudkjh dks mRrjoknh dz-&1@fo:) i{kdkj dzekad&1 }kjk lR; ekudj Lohdkj fd;k x;k gSA chek /kkjd }kjk iwoZ dh ikWfylh dzeakd&358650330 dks fnukad&06-03-2013 dks 'kk[kk jk;x<+ ls izkIr fd;k x;k gS rFkk ikWfylh dzekad&359255109 dks fnukad&26-12-2014 dks iRFkyxkao 'kk[kk ls izkIr fd;k gSA chek /kkjd }kjk ikWfylh izkIr djrs le; vius mijksDr iwoZ ikWfylh ds laca/k esa lkjoku tkudkjh dks fNik;s tkus ds dkj.k vihykFkhZ@ifjoknh }kjk izLrqr e`R;q nkok dks vLohd`r dj fn;k x;k gS vkSj mldh lwpuk vihykFkhZ@ifjoknh dks iznku dh tk pqdh gSA bl izdkj mRrjoknhx.k@fo:) i{kdkjx.k }kjk lsok esa dksbZ deh ugha dh xbZ gSA vihykFkhZ@ifjoknh dksbZ vuqrks"k ikus dk vf/kdkjh ugha gSA vr% vihykFkhZ@ifjoknh }kjk izLrqr ifjokn fujLr fd;s tkus dk fuosnu fd;k gSA 04- lacaf/kr ftyk vk;ksx us vihykFkhZ@ifjoknh }kjk izLrqr ifjokn dks ;g fu"df"kZr djrs gq, fd chek /kkjd Lo- jfo dqekj vxzoky us ikWfylh dzeakd&359173151 ysrs le; iwoZ esa yh xbZ ikWfylh dzeakd&359255109 ds laca/k esa izLrko&i= esa tkudkjh u nsdj ikWfylh izkIr fd;k Fkk blfy, vihykFkhZ@ifjoknh chek/ku 10]00]000@&¼nl yk[k :i;s½ ikus dk vf/kdkjh ugha gS] fdarq Lo- jfo dqekj vxzoky us ikWfylh ysrs le; izhfe;e ds :i esa

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vk;ksx }kjk vihykFkhZ@ifjoknh ds ifjokn dks Lohdkj u dj ek= vihykFkhZ@ifjoknh }kjk tek dh xbZ izhfe;e jkf'k 62]848@&¼ck;lB gtkj vkB lkS vM+rkyhl :i;s½ ,oa ekufld ijs'kkuh ds en esa 50]000@&¼ipkl gtkj :i;s½ rFkk okn O;; ds :i esa 2]000@&¼nks gtkj :i;s½ fnyk;k x;k gS tks fd lgh ugha gSA vr% vihy Lohdkj dj ifjokn&i= esa okafNr vuqrks"k fnyk;s tkus dk fuosnu fd;k gSA

06- vihykFkhZ@ifjoknh dh vksj ls vius rdZ ds leFkZu esa ekuuh; loksZPp U;k;ky; }kjk flfoy vihy ua-&7630@2022 ts- ,l- ds- baMLVªht izk;osV fyfeVsM fo:) vksfj,aVy ba";ksjsal daiuh fyfeVsM esa ikfjr vkns"k fnukad&18- 10-2022 ,oa ekuuh; jk"Vªh; vk;ksx }kjk fjohtu fifV'ku uacj&4502@2010 ,y- vkbZ- lh- vkWQ bafMk;k fo:) 'kkfgnk csxe esa ikfjr vkns'k fnukad&06 tqykbZ 2011] fjohtu fifV'ku uacj&587@2015 Jherh lqykspuk banqjdj fo:) fn ykbZQ ba';ksjsal dkiksZjss'ku vkWQ bafM;k ,oa ,d vU; esa ikfjr vkns'k fnukad&11 flrEcj 2015] miHkksDrk izdj.k dzekad&119@2011 ;'k daLVªD'ku ,.M ySa.M MsoyiesaV da- fo:) esV ykbZQ bafM;k ba';ksjsal daiuh fyfeVsM esa ikfjr vkns'k fnukad&15 tuojh 2016] vfook ykbZQ ba';ksjsal daiuh fyfeVsM ,oa nks vU; fo:) js[kkcsu jketh HkkbZ ijekj esa ikfjr vkns'k fnukad&12 vizSy 2017] izFke vihy dzekad&280@2013 deyk nsoh ,oa ,d vU; fo:) VkVk ,- vkbZ- th- ykbZQ ba';ksjsal dkiksZjs'ku fyfeVsM ,oa pkj vU; esa ikfjr vkns'k fnukad&10 tuojh 2021] izFke vihy dzekad&778@2013 ykbZQ ba';ksjsal dkiksZjs'ku vkWQ bafM;k fo:) fot; iky flag ,oa izFke vihy dzekad&297@2014 fot; iky flag fo:) ykbZQ ba';ksjsal dkiksZjs'ku vkWQ bafM;k ,oa nks vU; esa ikfjr vkns'k fnukad&03 uoacj 2021] fjfotu fifV'ku uacj&1117@2014 fn lh- bZ- vks- ,.M Mk;jsDVj] lgkjk bafM;k ykbZQ ba';ksjsal

daiuh fyfeVsM ,oa ,d vU; fo:) jk;uh jkekUtus;qyq esa ikfjr vkns'k fnukad&01 vxLr 2014 rFkk e/; izns'k gkbZ dksVZ }kjk Hkxokuh ckbZ fo:) ykbZQ ba';ksjsal dkiksZjs'ku vkWQ bafM;k esa ikfjr vkns'k fnukad&22 Qjojh 1983 dk voyacu fy;k x;k gSA

07 mRrjoknhx.k@fo:) i{kdkjx.k ds fo)ku vfHkHkk"kd Jh eqds'k 'kekZ dk rdZ gS fd chek /kkjd }kjk iz'uk/khu ikWfylh dzeakd&359179151 dks fnukad&27-07-2016 dks 'kk[kk jk;x<+ ls izkIr fd;k x;k Fkk vkSj mDr ikWfylh izkIr djus ds iwoZ chek /kkjd ds }kjk chek lafonk ds izko/kku ds vuqlkj izLrko&i= Hkjdj o gLrk{kj dj izLrqr fd;k x;k Fkk ftls lp ekudj ikWfylh tkjh dh xbZ FkhA chek /kkjd dh e`R;q fnukad&01-10-2017 dks gksus ds mijkar mDr ikWfylh ds varxZr e`R;q nkok izkIr djus gsrq nkok izLrqr fd;k x;kA bl izdj.k esa chek /kkjd dh e`R;q ikWfylh tkjh djuss ds fnukad&27-07- 2016 ls 03 o"kZ ds Hkhrj gqvk gS ftl ij chek vf/kfu;e dh /kkjk&45 ds izko/kku ds varxZr e`R;q nkok dh tkap dh xbZ ftlls ;g Li"V gqvk fd chek /kkjd ds }kjk chek ikWfylh dzekad&359179151 dks izkIr djrs le; Hkjs x, izLrko&i= dkWye&9 ¼ch½ esa iwoZ ikWfylh dzekad&359255109 ds laca/k esa tkudkjh ugha nh xbZ Fkh ftlds dkj.k ikWfylh dzekad&359179151 esa tksf[ke dk fu/kkZj.k ugha fd;k tk ldk] tcfd chek /kkjd ds }kjk iwoZ ikWfylh dk mYys[k fd;s tkus ls chek ikWfylh tkjh djus ls chekadu ds fu;ekuqlkj chek/kkjd dh foLr̀r fpfdRlk tkap FBS, Lipidogram, elisa for HIV & HB% djkbZ tkrh vkSj mDr esfMdy fjiksVZ ds vk/kkj ij gh chek ikWfylh tkjh fd;k tkrk] fdarq chek /kkjd ds }kjk ikWfylh dzekad&359179151 dks izkIr djrs le; izLrko i= esa iwoZ ikWfylh laca/kh lkjoku rF; dks tku&cw>dj fNik;k x;k ftlds dkj.k ikWfylh dks tkjh djus laca/kh chekadu dk fu.kZ; izHkkfor gqvkA

bl izdkj chek /kkjd }kjk ikWfylh fy;s tkus ds le; vius iwoZ ikWfylh laca/kh lkjoku rF; dks fNikus ds dkj.k vihykFkhZ@ifjoknh dk nkok fujLr fd;k x;k gS ftlesa fdlh izdkj ls lsok esa deh ugha gSA vr% vihykFkhZ@ifjoknh dh vihy vikLr dh tkosA mRrjoknhx.k@fo:) i{kdkjx.k dh vksj ls vius rdZ ds leFkZu es ekuuh; loksZPp U;k;ky; }kjk flfoy vihy ua-&4261@2019 fjyk;al ykbZQ ba";ksjsal daiuh fyfeVsM ,oa vU; fo:) js[kkcsu ujs"kHkkbZ jkBkSj esa ikfjr vkns"k fnukad&24-04-2019] lroar dkSj la/kq fo:) U;w bafM;k ,";kssjsal daiuh fyfeVsM IV (2009) CPJ 8 (SC) ,oa ekuuh; jk"Vªh; vk;ksx }kjk iqujh{k.k ;kfpdk dzekad&382@2011 o 383@2011 Hkkjrh; thou chek fuxe fo:) fo/kk nsoh o vt; dqekj] iqujh{k.k ;kfpdk dzeakd&1059@2009 lhek vxzoky fo:) Hkkjrh; thou chek fuxe esa ikfjr vkns'k dk voyacu fy;k x;k gSA 08- geus mHk;i{k ds rdZ Jo.k fd, rFkk lacaf/kr ftyk vk;ksx }kjk ikfjr vkns'k fnukad&29-11-2018 tks fd izdj.k dzekad&151@2018 esa ikfjr fd;k x;k gS dk voyksdu fd;k rFkk ewy vfHkys[k Hkh ns[ksA

09- izdj.k esa ;g rF; vfookfnr gS fd vihykFkhZ@ifjoknh ds NksVs HkkbZ jfo dqekj vxzoky }kjk mRrjoknhx.k@fo:) i{kdkjx.k ls 10]00]000@&¼nl yk[k :i;s½ dk U;w thou vkuan ikWfylh fy;k Fkk ftldk ikWfylh dzekad&359179151 gSA mDr ikWfylh eas vihykFkhZ@ifjoknh ukfeuh FkkA mDr ikWfylh fnukad&27-07-2050 rd ds fy, FkkA mDr ikWfylh ds rgr fnukad&27- 07-2016 ,oa fnukad&14-07-2017 dks dze"k% nks okf"kZd izhfe;e vnk fd;k x;k FkkA chekdrkZ jfo dqekj vxzoky dh fnukad&01-10-2017 dks vlkef;d e`R;q gks xbZ rc vihykFkhZ@ifjoknh }kjk fnukad&28-12-2017 dks Dyse QkeZ leLr

nLrkostksa lfgr mRrjoknhx.k@fo:) i{kdkjx.k ds ikl tek fd;k x;k] fdarq mls nkok jkf'k dk Hkqxrku ugha fd;k x;kA

10- geus mRrjoknhx.k@fo:) i{kdkjx.k }kjk izLrqr izn"kZ&3 izLrko&i= dk voyksdu fd;kA mDr izLrko&i= dh dafMdk&9 (b) esa iwoZ esa fy, x, ikWfylh dk fooj.k ekaxk x;k gS ftlesa chek /kkjd }kjk fooj.k u nsrs gq, **izFke ikWfylh** gksuk mYysf[kr fd;k x;k gSA mDr nLrkost ds ifj"khyu ls Li'V gS fd chek /kkjd }kjk iwoZ esa fy, x, ikWfylh dh tkudkjh chek daiuh dks ugha nh xbZ gSA chek /kkjd }kjk mDr ikWfylh fnukad&27-07-2016 dks yh xbZ gS rFkk chek /kkjd dh e`R;q fnukad&01-10-2017 dks chek ikWfylh izkIr djus ds 03 o'kZ ds Hkhrj gks xbZ Fkh rFkk vihykFkhZ@ifjoknh }kjk ifjokn&i= dh dafMdk&5 esa vU; ikWfylh esa 3]00]000@&¼rhu yk[k :Ik;s½] 5]00]000@&¼iakp yk[k :Ik;s½] 2]50]000@&¼nks yk[k ipkl gtkj :Ik;s½ ,oa 2]00]000@&¼nks yk[k :Ik;s½ izkIr gksuk Lohdkj fd;k gSA

11- geus mRrjoknhx.k@fo:) i{kdkjx.k }kjk izLrqr izn"kZ&6 lsUVªy vkWfQl ds i= dk voyksdu fd;kA mDr i= esa tksf[ke vkadyu gsrq vko";d fpfdRldh; tkap dk mYys[k gSA ;fn chekdrkZ dh vk;q 35 o'kZ rd gS vkSj dqy chek ewY; 15]00]000@&¼iUnzg yk[k :Ik;s½ ls de gS rks fdlh Hkh fpfdRldh; tkap dh vko";drk ugha gS] fdarq 15]00]000@&¼iUnzg yk[k :Ik;s½ ls vf/kd ds chek ij FBS, Lipidogram, elisa for HIV & HB% tkap dh vko";drk gksrh gSA pwafd izLrkod }kjk izLrko&i= dh dafMdk&9 (b) esa iwoZ esa yh gqbZ ikWfylh dk fooj.k ugha fn;k ftlds dkj.k chek daiuh mDr tkap ugha djk ikbZ ftldk izHkko chekadu ij iM+kA chek /kkjd }kjk chek vf/fku;e] 1938 ¼la"kks/ku vf/kfu;e] 2015½ dh /kkjk&45 dk mYya?ku fd;k gSA chek ,d

lafonk gS tks ije ln~Hkko ds fl}kar ij vk/kkfjr gSA chek /kkjd }kjk chek daiuh dks lkjoku tkudkjh iznku ugha dh xbZ ftldk izHkko chekadu ij iM+k tks chek ds fu;e ,oa "krksZa dk mYya?ku gS rFkk chek daiuh ls lkjoku rF; Nqik;s tkus ij mRrjoknhx.k@fo:) i{kdkjx.k chek daiuh }kjk vihykFkhZ@ifjoknh ds chek nkos dks fujLr dj lsok esa dksbZ deh ugha dh xbZ gSA

12- vihykFkhZ@ifjoknh }kjk ftu U;k; n`'Vkarksa dk voyacu fy;k x;k gS mlds rF; bl izdj.k ds rF;ksa ls fHkUu gksus ds dkj.k mldk ykHk vihykFkhZ@ifjoknh dks ugha feyrk gSA

13- mijksDr laiw.kZ foospuk mijkar ge bl fu'd'kZ ij igaqprs gSa fd vihykFkhZ@ifjoknh }kjk iwoZ esa yh xbZ ikWfylh dk fooj.k u nsdj lkjoku rF;ksa dks Nqik;k x;k gS ftlds dkj.k mRrjoknhx.k@fo:) i{kdkjx.k }kjk vihykFkhZ@ifjoknh ds chek nkos dks fujLr dj lsok esa dksbZ deh ugha dh xbZ gSA lacaf/kr ftyk vk;ksx us vihykFkhZ@ifjoknh dk chek nkok fujLr gksus ij izhfe;e dh jkf"k okil fnyk;s tkus dk tks vkns"k ikfjr fd;k gS og iw.kZr% mfpr gS vkSj mlesa ge fdlh izdkj dk gLr{ksi fd;k tkuk mfpr ugha ikrs gSaA 14- mRrjoknhx.k@fo:) i{kdkjx.k dh vksj ls izLrqr U;k; n`'Vkar fjyk;al ykbZQ ba";ksjsal daiuh fyfeVsM ,oa vU; fo:) js[kkcsu ujs"kHkkbZ jkBkSj ¼mijksDr½] lroar dkSj la/kq fo:) U;w bafM;k ,";kssjsal daiuh fyfeVsM ¼mijksDr½] Hkkjrh; thou chek fuxe fo:) fo/kk nsoh o vt; dqekj ¼mijksDr½] lhek vxzoky fo:) Hkkjrh; thou chek fuxe ¼mijksDr½ esa ikfjr vkns'k bl izdj.k esa iw.kZr% izklafxd gksus ls vuqlfjr dh tkrh gSA

15- vr% vihykFkhZ@ifjoknh dh vksj ls izLrqr vihy vikLr fd;k tkrk gSA lacaf/kr ftyk vk;ksx }kjk ikfjr vkns"k fnukad&29-11-2018 tks fd izdj.k dzekad&151@2018 esa ikfjr fd;k x;k gS] dh iqf'V dh tkrh gSA bl vihy dk O;; mHk; i{kdkjx.k Lo;a ogu djsaxsA

¼ Jhefr :fp xks;y ½ ¼ izeksn dqekj oekZ ½

lnL; lnL;

Pronounced On-07^thFebrury 2023

Rakesh Kumar Agrawal v. B.M , LIC of India & Ors

Structured Summary of the Legal Opinion

Factual and Procedural Background

Legal Issues Presented

Arguments of the Parties

Respondent's (identified in text as "vihykFkhZ@ifjoknh") Submissions

Other Party/Agent Submissions (identified in the text as "mRrjoknhx.k@fo:) i{kdkjx.k" and related entries)

Table of Precedents Cited

Court's Reasoning and Analysis

Holding and Implications

Rakesh Kumar Agrawal v. B.M , LIC of India & Ors

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