HDFC AGRO GIC v. SMT. SADHNA BAI RAGHUWANSHI, State Consumer Disputes Redressal Commission, Judgment, Law, casemine.com

M. P. STATE CONSUMER DISPUTES REDRESSAL COMMISSION,

PLOT NO. 76, ARERA HILLS, BHOPAL (M.P.)

FA No.71/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Darshan Singh s/o Ram Singh Raghuwanshi, R/o Gram Myana, Tehsil Guna,

District Guna (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.72/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Munesh Singh s/o Ram Singh Raghuwanshi, R/o Gram Amrad Sddu, Tehsil Nai Saray, District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS. - 2 -

FA No.73/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Udhishthir Singh s/o Ramkrishna Raghuwanshi, R/o Gram Auranga Berkhedi,

District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.74/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Rajeev s/o Parmal Singh Raghuwanshi

2. Parmal Singh s/o Shri Tej Singh Raghuwanshi, R/o Gram Auranga Berkhedi,

District Ashoknagar (M.P.).

3. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

4. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.75/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

- 3 -

Versus

1. Valveer Singh s/o Diman Singh Raghuwanshi,

2. Shri Bai w/o Shri Valveer Singh R/o Gram Auranga Berkhedi, District Ashoknagar (M.P.).

3. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

4. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.76/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Bhuresingh s/o Nathansingh Raghuwanshi, R/o Gram Auranga Berkhedi,

District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.77/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Sanjeev Singh s/o Nathansingh Raghuwanshi,

2. Devendra Singh s/o Nathansingh

3. Nathansingh s/o Tejsingh Raghuwanshi, R/o Gram Auranga Berkhedi,

District Ashoknagar (M.P.).

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4. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

5. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.78/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Prakash s/o Jugti Jatav, R/o Gram Auranga Berkhedi, District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.79/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Rajendra Singh s/o Babu Singh Raghuwanshi, R/o Gram Mehmooda,

District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

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FA No.80/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Virendra Singh s/o Ramkrishna Raghuwanshi, R/o Gram Auranga Berkhedi,

District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.81/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Tulsiram s/o Gopal Singh Raghuwanshi, R/o In front of Govt. School, Myana, District Guna (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.82/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

- 6 -

Versus

1. Ratiram s/o Chhotelal Kushwah, R/o Gram Chhelai,

District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.83/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Lalaram s/o Ganeshram Raghuwanshi, R/o Gram Ravsar Jagir,

District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.84/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Gambhir Singh s/o Arjun Singh Raghuwanshi, R/o Gram Ranvsar Jagir,

District Ashoknagar (M.P.).

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2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.85/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Arjun Singh s/o Bhunjwal Singh Raghuwanshi, R/o Gram Ranvsar,

District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.86/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Ajay Singh s/o Khanderao Raghuwanshi, R/o Gram Ravsar Jagir,

District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS. - 8 -

FA No.87/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Lakhan Singh s/o Diman Singh Raghuwanshi, R/o Gram Ravsar Jagir,

District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.88/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Ramkrishna Singh s/o Bhuresingh Raghuwanshi, R/o Gram Ravsar Jagir,

District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.89/ 2019.

HDFC Ergo General Insurance Company Ltd.,

M.P. Nagar, Bhopal (M.P.). …. APPELLANT. - 9 -

Versus

1. Chandresh Singh s/o Randheer Singh Raghuwanshi, R/o Gram Chhailai Jagir,

District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.90/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Veerendra s/o Ranchhor Singh Raghuwanshi,

2. Brijesh s/o Ranchhor Singh

3. Chandrakala d/o Ranchhor Singh

4. Draupadibai w/o Ranchhor Singh R/o Gram Kala Wag Bhoura, District Ashoknagar (M.P.).

5. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

6. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.91/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Dheeraj Singh s/o Bhureram Singh Raghuwanshi, R/o Gram Kalawag, Boura,

District Ashoknagar (M.P.).

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2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.92/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Umabai w/o Dheeraj Singh Raghuwanshi, R/o Gram Bhouranai,

District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.93/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Brijbhan s/o Som Harijan, R/o Gram Madhna Khiriya, District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India,

Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS. - 11 -

FA No.94/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Jasraj s/o Soma Jatav, R/o Gram Madhna Khiriya, District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.95/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Smt. Saroj w/o Gajendra Singh Raghuwanshi R/o Gram Rusalla Khurd,

District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.96/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT. - 12 -

Versus

1. Bholu s/o Naval Harijan,

2. Kripan s/o Navla, R/o Gram Madhna Khiriya, District Ashoknagar (M.P.).

3. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

4. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.97/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Devi Singh Alias Rameshan s/o Bholaram Raghuwanshi, R/o Gram Rusalla Khurd,

District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.98/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Ramsingh s/o Soma Jatav, R/o Gram Madhna Khiriya, District Ashoknagar (M.P.). - 13 -

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.99/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Brijesh Singh s/o Hoshiyar Singh Raghuwanshi,

2. Abhiwan s/o Rajendrasingh Raghuwanshi, R/o Gram Madhna Khiriya,

District Ashoknagar (M.P.).

3. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

4. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.100/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Sadhna Bai w/o Brijesh Singh Raghuwanshi,

2. Vimla Bai w/o Rajendrasingh Raghuwanshi, R/o Gram Madhna Khiriya,

District Ashoknagar (M.P.).

3. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

4. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS. - 14 -

FA No.101/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Kadorilal s/o Man Singh, R/o Gram Kalawag Bhoura, District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.102/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Ghanshyam s/o Raghuveer Singh, R/o Gram Kala Wak Bhoura, District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.103/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Shivcharan s/o Pooran Singh,

2. Pooran Rajak s/o Dayaram Rajak R/o Gram Kala Wag Bhoura, District Ashoknagar (M.P.). - 15 -

3. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

4. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.104/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Sewak Singh s/o Randheer Singh Raghuwanshi,

2. Laxminarayan s/o Randheer Singh R/o Gram Kala Wag Bhoura, District Ashoknagar (M.P.).

3. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

4. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.105/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Komal s/o Gopalsingh Raghuwanshi, R/o Gram Bhoura, Dungsara, District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS. - 16 -

FA No.106/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Munnalal s/o Dulichandra Ahirwar, R/o Gram Bhoura Kala Wag, District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.107/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Shivram s/o Late Laljiram Raghuwanshi,

2. Harkunwar Bai w/o Late Laljiram, R/o Gram Kala Wag,

District Ashoknagar (M.P.).

3. Branch Manager,

State Bank of India, Branch Myana, District Guna (M.P.).

4. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.108/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT. - 17 -

Versus

1. Arvind s/o Valveer Singh Raghuwanshi

2. Maheshram s/o Shri Valveer Singh

3. Shyam Kumar s/o Valveer Singh

4. Ram Kumar s/o Valveer Singh Raghuwanshi, R/o Gram Rusalla Khurd,

District Ashoknagar (M.P.).

5. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

6. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.109/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Valbeer Singh s/o Hanman Singh Raghuwanshi, R/o Gram Rusalla Khurd,

District Ashoknagar (M.P.).

2. Branch Manager,

State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.110/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT. - 18 -

Versus

1. Kanhairam s/o Bhagwansingh Raghuwanshi, R/o Gram Amrod Vaddu,

District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.111/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Ramgopal Singh s/o Bhagwansingh Raghuwanshi, R/o Gram Amrod Vaddu,

District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh,

Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.112/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Ramcharan Singh s/o Shri Bhagwan Singh Raghuwanshi, R/o Gram Amrod Vaddu,

District Ashoknagar (M.P.).

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2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.113/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Veerendra Singh s/o Imaratsingh Raghuwanshi, R/o Gram Amrod Vaddu,

District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.114/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Hitendra Singh s/o Gambhir Singh Raghuwanshi, R/o Gram Ravsar Jagir,

District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS. - 20 -

FA No.115/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Mahendra Singh s/o Amol Singh Raghuwanshi, R/o Gram Ravsar Jagir,

District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.116/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Satya Pratap Singh s/o Veerendra Singh Raghuwanshi, R/o Gram Ravsar Jagir,

District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.117/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT. - 21 -

Versus

1. Suresh Singh s/o Arjun Singh Raghuwanshi, R/o Gram Ravsar Jagir,

District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.118/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Ramkrishna s/o Arjun Singh Raghuwanshi, R/o Gram Ravsar Jagir,

District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.119/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Veerendra Singh s/o Arjun Singh Raghuwanshi, R/o Gram Ravsar Jagir,

District Ashoknagar (M.P.).

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2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.120/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Ghanshyam s/o Pran Singh Raghuwanshi, R/o Gram Ravsar Jagir,

District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.121/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Chhotelal s/o Lalji Ram Kushwaha, R/o Gram Chhailai Jagir,

District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS. - 23 -

FA No.122/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Doorjan Singh s/o Chhote Lal Kushwaha, R/o Gram Chhailai Jagir,

District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.123/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Chandesh s/o Randheer Singh Raghuwanshi, R/o Gram Chhaivai Jagir,

District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.124/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT. - 24 -

Versus

1. Hargovind s/o Chintulal Kushwah, R/o Gram Chhailai Jagir,

District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.125/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Raghuveer Singh s/o Kamal Singh Raghuwanshi, R/o Gram Ravsar Jagir,

District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.).

3. Government of Madhya Pradesh, Through Collector, Ashoknagar (M.P.) ….RESPONDENTS.

FA No.126/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Uttam Singh s/o Diman Singh Raghuwanshi, R/o Gram Mahmuda,

District Ashoknagar (M.P.).

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2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.). ….RESPONDENTS.

FA No.127/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Rajesh Singh s/o Bundel Singh Raghuwanshi, R/o Gram Mahmuda,

District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.). ….RESPONDENTS.

FA No.128/ 2019.

HDFC Ergo General Insurance Company Ltd.,

M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Hari Singh s/o Bundel Singh Raghuwanshi, R/o Gram Mahmuda,

District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.). ….RESPONDENTS.

FA No.129/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

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1. Ramkrishna Singh s/o Bhure Singh Raghuwanshi, R/o Gram Chhapar,

District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.). ….RESPONDENTS.

FA No.130/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Ram Bai s/o Naresh Singh Raghuwanshi, R/o Gram Mahmuda,

District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.). ….RESPONDENTS.

FA No.131/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Hari Singh s/o Hameer Singh Raghuwanshi, R/o Gram Oranga Berkhedi,

District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.). ….RESPONDENTS.

FA No.132/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT. - 27 --

Versus

1. Vijay Singh s/o Bundel Singh Raghuwanshi, R/o Gram Mahmuda,

District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.). ….RESPONDENTS.

FA No.133/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Ravindra Singh s/o Bundel Singh Raghuwanshi, R/o Gram Mahmuda,

District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana, District Guna (M.P.). ….RESPONDENTS.

FA No.1777/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Shaitansingh s/o Bhaiyalalji Dhakad, R/o Gram Paharua, Tehsil Aron, District Guna (M.P.).

2. Branch Manager, State Bank of India, Branch Aron, District Guna (M.P.). ….RESPONDENTS. - 28 -

FA No.1778/ 2019.

HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Ramsingh s/o Madansingh Raghuwanshi, R/o Gram Mudrakhurd, Tehsil Aron, District Guna (M.P.).

2. Branch Manager, State Bank of India, Branch Aron, District Guna (M.P.). ….RESPONDENTS.

BEFORE:

HON'BLE SHRI JUSTICE SHANTANU S. KEMKAR, PRESIDENT

HON'BLE SHRI S. S. BANSAL, MEMBER HON'BLE DR. (SMT) MONIKA MALIK, MEMBER

COUNSEL APPEARING FOR THE PARTIES :

SHRI AMIT TIWARI, LEARNED COUNSEL FOR THE APPELLANT / HDFE ERGO

GENERAL INSURANCE CO. LTD.

SHRI S. K. SAXENA, LEARNED COUNSEL FOR THE RESPONDENT /

COMPLAINANT(S).

SHRI NARAYAN SINGH, LEARNED COUNSEL FOR THE RESPONDENT /

COMPLAINANT(S).

SHRI NEELESH KHARE, LEARNED COUNSEL FOR THE RESPODNENT /

COMPLAINANT (S)

SHRI PANKAJ WAGHMODE, LEARNED COUNSEL FOR THE RESPONDENT /

STATE BANK OF INDIA.

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SHRI GIRISH SHARMA, LEARNED COUNSEL FOR THE RESPONDENT / UNION

BANK OF INDIA.

SHRI AJAY DUBEY, LEARNED COUNSEL FOR THE RESPONDENT /

GOVERNMENT OF MADHYA PRADESH.

O R D E R

(Passed on 12/10 / 2022)

The following order of the Commission was delivered by Dr. (Mrs) Monika Malik, Member :

All the aforesaid appeals are taken up together as common point is involved in the matter. This order shall govern disposal of all the aforesaid appeals. For convenience facts of the case taken from FA No.71/2019, unless otherwise stated.

2. This appeal by the opposite party no.2 / HDFC Ergo General Insurance Company Ltd. (hereinafter referred to as 'appellant') is directed against the order dated 20.11.2018passed by the District Consumer Disputes Redressal Commission, Guna (for short the 'District Commission') in CC No.48/2018 whereby the District Commission has partly allowed the complaint filed by the complainant / respondent (hereinafter referred to as 'complainant').

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3. Briefly put, facts of the case are that the complainant is the owner of 4.191 hectares of agricultural land, situated in village Amrod Saddu, patwari halka no.08 Depalkhedi, Tehsil Nai Sarai. He had opened a KCC Account No.35605312732 with opposite party no.1 / Bank (hereinafter referred to as 'bank'). Rs.3,209/- towards premium for kharif 2016 crop was deducted on 30.7.2016. He had got his agricultural land insured for kharif crop, via bank with the Insurance Company through 'PradhanMantri Fasal Bima Yojna'. It is alleged that kharifcrop sown by him was destroyed due to natural calamity. Despite that the opposite parties had not given crop insurance claim to the complainant. Therefore, alleging deficiency in service on part of the opposite parties the complainant approached to the District Commission, seeking relief.

4. The bank in its reply before the District Commission admitted of deducting the premium amount from the complainant's KCC account. It is submitted that consolidated premium amount of Rs.11,83,579/- for kharif 2016 through RTGS was sent on 5.8.2016 to the Insurance Company. The responsibility regarding payment of insurance claim lies with the appellant / Insurance Company and bank is not liable in the instant matter.

5. The appellant / Insurance Company in its reply before the District Commission stated that it was the responsibility of the bank to have ensured that it had provided correct information regarding agriculturists to the appellant / Insurance Company. The Insurance Company through emails dated

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15.9.2016 and 1.12.2016 had asked the bank to provide the final list of the insured farmers, but the bank did not provide the same. As per complainant his land is situated in village Amrod Saddu, patwari halka No.8,Tehsil Nai Sarai, but as per Gazette Notification in patwari halka No.8 the village name is shown as Depalkhedi. When the details provided by the bank were verified by the appellant / Insurance Company the discrepancy with regard to information provided for 335 farmers was found and the bank was asked to rectify the same. When the bank failed to modify / rectify the information the insurance premium with respect to those 335 agriculturists were sent back to the bank

by the demand draft. The bank is liable on account of providing incorrect information and the appellant / Insurance Company is not responsible in the instant matter.

6. The District Commission partly allowed the complaint filed by the complainant and directed the appellant / Insurance Company to pay soyabean crop insurance claim for 4.191 hectares of complainant's agricultural land, situated invillage Amrod Saddu, @ Rs.24,459/- per hectare. The District Commission also directed appellant / Insurance Company to pay Rs.500/- as compensation and Rs.500/- as costs of the litigation.

7. Heard. - 32 -

8. Learned counsel for the appellant argued that it was the responsibility of the bank to have provided correct information regarding agriculturists, whose land was insured. The Insurance Company had asked the bank to provide the correct information regarding the agriculturists, but the bank failed to provide the same. He drew our attention to the application filed under Order 41 Rule 27 of the C.P.C. stating that the bank had not provided correct information with regard to village and patwari halka number of the complainant and, therefore, the premium amount was refunded to the bank. The complainant's land was not insured with the appellant / Insurance Company and therefore, thus it cannot be held liable for payment of the crop insurance claim.

9. Learned counsel for the complainant supported the impugned order and argued that the evidence on record clearly shows that the premium amount was deducted by the bank from the complainant's KCC account towards the crop insurance. The District Commission has rightly passed the impugned order and this appeal deserves to be dismissed.

10. Learned counsel for the Bank on the other hand argued that the premium amount sent by the bank was accepted by the appellant / Insurance Company. The bank had provided all the relevant information and had replied to the queries raised by the Insurance Company. No discrepancy or deficiency has been there on the bank's part. Once the appellant had accepted the premium,

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the responsibility regarding payment of crop insurance claim lies with the appellant only. The appellant / Insurance Company cannot escape its liability by merely refunding the premium amount and that too after a period of nearly two years, i.e. on 20.6.2018 on the ground that the information provided by the bank was incorrect.

11. Learned counsel for the respondent no.4 / Govt. of Madhya Pradesh, through Collector, Ashoknagar, argued that in this matter the dispute is between the bank and the Insurance Company and they are not liable in the instant case.

12. We find that the prime allegation of the appellant / Insurance Company is that the bank had not provided the correct details of certain agriculturists whose land was insured. It is stated by the appellant / Insurance Company that the information with regard

to the village and patwari halka number of the agriculturists, including the complainant was not in accordance with the Gazette Notification. The same was communicated to the bank and the premium amount obtained from those agriculturists was refunded to the bank. The bank however denied of committed any discrepancy in the matter.

13. Here, it is relevant to discuss the duties / responsibilities of the agencies involved in the scheme. Condition No. XXIV of Operational Guidelines of 'Pradhan Mantri Fasal Bima Yojna' provides for 'Role and Responsibilities of Various Agencies', for successful implementation and administration of Scheme.

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Condition No.XXIV 4 (m) describes role of 'Lead Bank / Administrative Office of Commercial Banks / RRBs' and provides as under :

(m) Banks should ensure that cultivator may not be deprived of any benefit under the Scheme due to errors / omissions / commissions of the concerned brach / PACS, and in case of such errors, the concerned institutions shall only make good all such losses.

It is further specified that

Under administrative mechanism, banks are designated as terminal service points for farmers. Hence it is their duty to ensure compulsory coverage of all eligible loanee farmers and all interested non-loanee farmers. In case of any misreporting by Nodal Bank / branch / PACS in case of farmers coverage, concerned bank only will be liable for such misreporting and its consequences.

Condition No. XXIV (3) (I) displays 'Role of Insurance Companies' and provides thus :

3(I) Facilitate the bank branches / intermediaries / agents to upload the details of insured farmers and beneficiaries with all requisite details on Crop Insurance Portal well in time.

Condition No. XXIV 5 (f) exhibits 'Role of Designated Insurance Agents' and provides thus :

5(f) The designated Insurance agents should ensure that insured farmers may not be deprived of any benefit under the Scheme due to errors / omissions / commissions of them, and if any, the concerned agents / insurance company shall only make good all such losses. Necessary administrative and legal action may also be taken for lapses in service / malpractices, if any, reported."

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14. On the above basis and taking into consideration the fact that method and operation of the insurance is of collaborative constitution, neither of the parties can escape from its culpability to pay crop insurance claim to the complainant.

15. Therefore, in view of the foregoing discussion we conclude that the liability regarding crop insurance claim will lie jointly or severally with the bank and the appellant / Insurance Company. Accordingly, the impugned order is modified. The directions given in theimpugned order against the opposite party no.2 / appellant - Insurance Company shall be co-shared by the opposite party no.1 / respondent no.2 - bank. It is therefore directed that the opposite party no.1 and 2 shall pay claim, compensation and costs to the complainant as has been awarded by the District Commission, jointly or severally.

16. With the aforesaid observations and modifications in the impugned order, the appeals stand disposed of with no order as to costs.

17. This order be retained in FA No.71/2019 and a copy of the same be kept in the record of FA No.72/2019, FA No.73/2019, FA No.74/2019, FA No.75/2019, FA No.76/2019, FA No.77/2019, FA No.78/2019, FA No.79/2019, FA No.80/2019, FA No.81/2019, FA No.82/2019, FA No.83/2019, FA No.84/2019, FA No.85/2019, FA

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No.86/2019, FA No.87/2019, FA No.88/2019, FA No.89/2019, FA No.90/2019, FA No.91/2019, FA No.92/2019, FA No.93/2019, FA No.94/2019, FA No.95/2019, FA No.96/2019, FA No.97/2019, FA No.98/2019, FA No.99/2019, FA No.100/2019, FA No.101/2019, FA No.102/2019, FA No.103/2019, FA No.104/2019, FA No.105/2019, FA No.106/2019, FA No.107/2019, FA No.108/2019, FA No.109/2019, FA No.110/2019, FA No.111/2019,FA No.112/2019,FA No.113/2019,FA No.114/2019,FA No.115/2019,FA No.116/2019,FA No.117/2019,FA No.118/2019,FA No.119/2019,FA No.120/2019,FA No.121/2019, FA No.122/2019, FA No.123/2019, FA No.124/2019, FA No.125/2019, FA No.126/2019, FA No.127/2019, FA No.128/2019, FA No.129/2019,FA No.130/2019,FA No.131/2019, FA No.132/2019, FA No.133/2019,FA No.1777/2019,and FA No.1778/2019.

(Justice Shantanu S. Kemkar) (S. S. Bansal ) (Dr. Monika Malik)

PRESIDENT MEMBER MEMBER

Phadke

A/19/100

HDFC AGRO GIC v. SMT. SADHNA BAI RAGHUWANSHI

HDFC AGRO GIC v. SMT. SADHNA BAI RAGHUWANSHI

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