Case No.-25/2023 Gokul Prasad Vs HDFC Bank 19/06/2025 DISMISS Page 1 of 5
U;k;ky; ftyk miHkksDrk fookn izfrrks'k vk;ksx egkleqan]ftyk&egkleqan ¼NRrhlx<+½
lafLFkr fnukad %&21@10@2022
vafre lquokbZ frfFk %& 19@06@2025
vkns'k fnukWad %& 19@06@2025
f'kdk;r ekeyk la[;k %& 25@2023
ds ekeys esa
xksdqy izlkn pUnzkdj] vk;q&58 o"kZ]
vkRet Lo0 Jh [kksjckgjk izlkn pUnzkdj] fuoklh&xzke&cupjkSnk] rglhy&vkjax]
ftyk&jk;iqj ¼N0x0½
¼}kjk %& Jh lkseukFk lkgw] vf/koDrk½
--------------------------------ifjoknh@f'kdk;rdrkZ @@fo:)@@
'kk[kk izca/kd]
,p0Mh0,Q0lh0 cSad]
jk;iqj jksM+] egkleqUn]
rglhy o ftyk&egkleqan ¼N0x0½
¼}kjk %& Jh vks0ih0 lkgw] vf/koDrk½
----------------------------fojks/kh i{kdkj@foijhr i{k dksje %&
Jh xksiky jatu ikf.kxzkgh] v/;{kA
Jherh Vh0nqxkZ T;ksfr jko] lnL;A
Jh fxjh'k JhokLro] lnL;A
ifjoknh dh vksj ls Jh lkseukFk lkgw] vf/koDrkA fojks/kh i{kdkj dh vksj ls Jh vks0ih0 lkgw] vf/koDrkA }kjk %& Jh fxjh'k JhokLro] lnL;A
@@vkns'k@@
¼1½ ifjoknh us /kkjk&35 miHkksDrk laj{k.k vf/kfu;e 2019 ds varxZr ;g ifjokn foi{kh i{kdkj ds fo:) lsok esa deh ds vk/kkj ij izLrqr dj fuEu vuqrks"k fnyk;s tkus dk fuosnu fd;k gS %&
¼1½ okgu VªsDVj ds _.k vnk;xh ds mijkUr fn;s tkus okys ,u0vks0lh0 ifjoknh dks fnyk;k tkosA
¼2½ ekufld {kfr :0 1]00]000@&
¼3½ okn O;; :0 10]000@&
1
¼2½ ifjoknh dk ifjokn laf{kIr esa bl izdkj gS fd] ifjoknh d`"kd gSA xzke cupjksSnk esa mlds LokfeRo dh d`f"k Hkwfe fLFkr gS] d`f"k dk;Z fd;s tkus ds fy, d`f"k ,oa VªsDVj ds fy, _.k gsrq vkosnu izLrqr fd;s tkus ij fu;ekuqlkj vuqca/k fu;e ,oa 'krsaZ fu"ikfnr fd;s tkus ij fnukWad 02@02@2014 dks :0 4]93]003¾60@& _.k [kkrs ds ek/;e ls izkIr dj ifjoknh us lksukfydk 35 VªsDVj Ø; fd;kA _.k ds fd'r dh jkf'k v/kZokf"kZd 59]800@& vuqca/k vuqlkj fu;r FkhA ifjoknh }kjk fojks/kh i{kdkj dks fu;fer fd'r dh vnk;xh fd;k tkrk jgk gSA fnukWad 31@08@2019 dks ifjoknh us ebZ 2019 dks laiw.kZ 'ks"k ns; _.k jkf'k vnk fd;s tkus gsrq lEidZ fd;kA fojks/kh i{kdkj }kjk fnukWad 31@05@2019 rd lEiw.kZ ns; jkf'k ladfyr dj :0 2]64]200@& 'ks"k gksuk izdV fd;kA ifjoknh us nks i`Fkd&i`Fkd /kukns'k Øe'k% :0 81]000@& ,oa :0 1]83]200@& fojks/kh i{kdkj dks iznku fd;k] ftls fojks/kh i{kdkj }kjk ifjoknh ds _.k [kkrs esa fnukWad 31@05@2019 dks tek fd;k x;kA ifjoknh }kjk lEiw.kZ _.k jkf'k dh vnk;xh dj fn;k x;k Fkk] ifjoknh us vukifRr izek.k i= iznk; fd;s tkus ds fy, fojks/kh i{kdkj ls lEidZ fd;s tkus ij fnukWad 30@04@2022 dks vksOgj M~;w bZ0,e0vkbZ0 LVkyesaV :0 44]341@& vnk fd;s tkus ij ,u0vks0lh0 fn;k tkuk laHko gksuk crk;k x;kA ifjoknh dks _.k dh jkf'k 14 v/kZokf"kZd fd'r fojks/kh i{kdkj dks vnk fd;k tkuk Fkk] fnukWad 04@05@2019 dh vof/k rd 10 v/kZokf"kZd fd'r vnk dh tk pqdh Fkh] 'ks"k leLr ns; jkf'k :0 2]64]200@& ,deq'r vnk dj fn;k x;k] blds i'pkr~ ifjoknh ds fo:) dksbZ _.k jkf'k 'ks"k ugha FkhA ifjoknh }kjk ,u0vks0lh0 dh ekWax fd;s tkus ij rhu o"kZ dh vof/k ds mijkUr :0 44]341@& vksOgj M~;w ns; jkf'k crk;k tkdj O;olkf;d dnkpj.k dh Js.kh esa vkus okyk dk;Z fd;k gS rFkk fojks/kh i{kdkj dk d`R; lsok esa deh dh Js.kh esa vkrk gSA vr% ifjoknh dks fojks/kh i{kdkj ls okgu VªsDVj ds _.k vnk;xh ds mijkUr fn;s tkus okys ,u0vks0lh0 fnyk;k tkos lkFk gh ekufld larki gsrq :0 1]00]000@&] okn O;; gsrq :0 10]000@& o vU; vuqrks"k fnyk;k tkosA ¼3½ fojks/kh i{kdkj dh vksj ls ifjokn dk [k.Mu djrs gq, izkjafHkd vkifRr lfgr izLrqr tokc laf{kIr esa bl izdkj gS fd] fojks/kh i{kdkj cSad ,d foRrh; laLFkku gS tks xzkgdksa ds vko';drk vuqlkj fu;e o 'krksZa ds v/khu _.k lqfo/kk iznku fd;k tkrk gSA ifjoknh ds }kjk fu;e o 'krksZa dks HkyhHkkWafr tkudj fojks/kh i{kdkj ds laLFkku ls vius d`f"k dk;Z gsrq okgu VªSDVj _.k lqfo/kk ls izkIr fd;k FkkA ifjoknh }kjk mDr okgu _.k dk Hkqxrku vkj-ch-vkbZ- ds xkbZM ykbZu o vuqca/k 'krkZuqlkj e; c;kt fd;k tkuk r; FkkA ifjoknh ds }kjk fojks/kh i{kdkj dks ijs'kku djus dh uh;r ls o Hkqxrku ls cpus gsrq feF;k ifjokn izLrqr fd;k x;k gSA fojks/kh i{kdkj us vkxs dFku fd;k gS fd] ;fn ifjoknh }kjk viuk [kkrk fof/kor~ Dykst fd;k
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tkrk gS rks ifjoknh dks vkosnu fn;k tkuk vko';d gksrk gS ftlds i'pkr~ foHkkx ds }kjk vizwoy tkjh fd;k tkrk gS] tcfd ifjoknh ds }kjk Lo;a gh vius [kkrs dh x.kuk djrs gq, fnukWad 02@05@2019 dks :0 81]000@& o mlh fnukWad dks :0 1]83]200@& dk Hkqxrku fd;k x;kA ifjoknh ds }kjk mDr Hkqxrku laLFkku ls fcuk fdlh tkudkjh vFkok viuh x.kuk dj izLrqr fd;k x;k] tcfd mDr fnol dks ifjoknh dk [kkrk lSVy ugha gqvk o cdk;k jkf'k gsrq yxkrkj ifjoknh ls fof/kor~ :i ls lwpuk izsf"kr dj ekaWx dh tkrh jghA ifjoknh ds }kjk vius 'ks"k jkf'k Hkqxrku ds nkf;Ro ls cpus gsrq feF;k ifjokn izLrqr fd;k x;k gSA ifjoknh ds }kjk cdk;k _.k jkf'k dk Hkqxrku u fd;s tkus ls mlds fo:) e/;Lrk vf/kfu;e ds rgr dk;Zokgh fd;k tkdj vokMZ ikfjr fd;k x;k gSA ifjoknh ds fo:) iwoZ esa gh e/;LFk ,oa lqyg vf/kfu;e ds rgr~ ifjokn py jgk Fkk] vr% ifjoknh us blds fo:) vU; ifjokn egkleqan Qksje ds le{k nk;j fd;k gSA ifjoknh }kjk tkucw>dj viuh ykijokgh dks fNikrs gq, ifjokn izLrqr fd;k x;k gSA fojks/kh i{kdkj }kjk fdlh izdkj ls lsok esa fuEurk vFkok dksbZ O;olkf;d nqjkpj.k ugha fd;k x;k gSA vr% izLrqr ifjokn lO;; fujLr fd;k tkos rFkk ifjoknh ls crkSj {kfriwfrZ jkf'k :0 10]000@& fnyk;k tkosA ¼4½ ifjoknh }kjk vius ifjokn esa vfHkopu fd;k x;k gS fd] ifjoknh d`"kd gSA xzke cupjksSnk esa mlds LokfeRo dh d`f"k Hkwfe fLFkr gS] d`f"k dk;Z fd;s tkus ds fy, d`f"k ,oa VªsDVj ds fy, _.k gsrq vkosnu izLrqr fd;s tkus ij fu;ekuqlkj vuqca/k fu;e ,oa 'krsaZ fu"ikfnr fd;s tkus ij fnukWad 02@02@2014 dks :0 4]93]003¾60@& _.k [kkrs ds ek/;e ls izkIr dj ifjoknh us lksukfydk 35 VªsDVj Ø; fd;kA _.k ds fd'r dh jkf'k v/kZokf"kZd 59]800@& vuqca/k vuqlkj fu;r FkhA ifjoknh }kjk fojks/kh i{kdkj dks fu;fer fd'r dh vnk;xh fd;k tkrk jgk gSA fnukWad 31@08@2019 dks ifjoknh us ebZ 2019 dks laiw.kZ 'ks"k ns; _.k jkf'k vnk fd;s tkus gsrq lEidZ fd;kA fojks/kh i{kdkj }kjk fnukWad 31@05@2019 rd lEiw.kZ ns; jkf'k ladfyr dj :0 2]64]200@& 'ks"k gksuk izdV fd;kA ifjoknh us nks i`Fkd&i`Fkd /kukns'k Øe'k% :0 81]000@& ,oa :0 1]83]200@& fojks/kh i{kdkj dks iznku fd;k] ftls fojks/kh i{kdkj }kjk ifjoknh ds _.k [kkrs esa fnukWad 31@05@2019 dks tek fd;k x;kA ifjoknh }kjk lEiw.kZ _.k jkf'k dh vnk;xh dj fn;k x;k Fkk] ifjoknh us vukifRr izek.k i= iznk; fd;s tkus ds fy, fojks/kh i{kdkj ls lEidZ fd;s tkus ij fnukWad 30@04@2022 dks vksOgj M~;w bZ0,e0vkbZ0 LVkyesaV :0 44]341@& vnk fd;s tkus ij ,u0vks0lh0 fn;k tkuk laHko gksuk crk;k x;kA ifjoknh dks _.k dh jkf'k 14 v/kZokf"kZd fd'r fojks/kh i{kdkj dks vnk fd;k tkuk Fkk] fnukWad 04@05@2019 dh vof/k rd 10 v/kZokf"kZd fd'r vnk dh tk pqdh Fkh] 'ks"k leLr ns; jkf'k :0 2]64]200@& ,deq'r vnk dj fn;k x;k] blds i'pkr~
3
ifjoknh ds fo:) dksbZ _.k jkf'k 'ks"k ugha FkhA ifjoknh }kjk ,u0vks0lh0 dh ekWax fd;s tkus ij rhu o"kZ dh vof/k ds mijkUr :0 44]341@& vksOgj M~;w ns; jkf'k crk;k tkdj O;olkf;d dnkpj.k dh Js.kh esa vkus okyk dk;Z fd;k gS rFkk fojks/kh i{kdkj dk d`R; lsok esa deh dh Js.kh esa vkrk gSA vr% okWafNr vuqrks"k fnyk;k tkosA
¼5½ izdj.k esa mHk;i{k dks lquk x;k rFkk miyC/k nLrkostksa dk voyksdu fd;k x;kA
¼6½ izdj.k ds fujkdj.k ds fy, fuEu fopkj.kh; iz"u gS %& ¼1½ D;k foi{kh i{kdkj us lsok esa deh dh gS \
¼2½ lgk;rk ,oa okn O;; ?
&fu'd'kZ ds vk/kkj&
mijksDr fopkj.kh; fcUnqvksa dk fujkdj.k fuEukuqlkj fd;k tk jgk gS A fopkj.kh; fcUnq dzekad &01
¼7½ bl fopkj.kh; fcUnq ds varxZr fofu"p; fd;k tkuk gS fd D;k foi{kh i{kdkj us lsok esa deh dh gS ? bl fopkj.kh; fcUnq ds ifjizs{; esa izdj.k dk ifj'khyu fd;k x;kA ifjoknh dk dFku gS fd] ifjoknh us d`f"k dk;Z fd;s tkus ds fy, d`f"k ,oa VªsDVj ds fy, _.k gsrq vkosnu izLrqr fd;s tkus ij fu;ekuqlkj vuqca/k fu;e ,oa 'krsaZ fu"ikfnr fd;s tkus ij fnukWad 02@02@2014 dks :0 4]93]003¾60@& _.k [kkrs ds ek/;e ls izkIr dj ifjoknh us lksukfydk 35 VªsDVj Ø; fd;kA _.k ds fd'r dh jkf'k v/kZokf"kZd 59]800@& vuqca/k vuqlkj fu;r FkhA ifjoknh }kjk fojks/kh i{kdkj dks fu;fer fd'r dh vnk;xh fd;k tkrk jgk gSA fnukWad 31@08@2019 dks ifjoknh us ebZ 2019 dks laiw.kZ 'ks"k ns; _.k jkf'k vnk fd;s tkus gsrq lEidZ fd;kA fojks/kh i{kdkj }kjk fnukWad 31@05@2019 rd lEiw.kZ ns; jkf'k ladfyr dj :0 2]64]200@& 'ks"k gksuk izdV fd;kA ifjoknh us nks i`Fkd&i`Fkd /kukns'k Øe'k% :0 81]000@& ,oa :0 1]83]200@& fojks/kh i{kdkj dks iznku fd;k] ftls fojks/kh i{kdkj }kjk ifjoknh ds _.k [kkrs esa fnukWad 31@05@2019 dks tek fd;k x;kA ifjoknh }kjk lEiw.kZ _.k jkf'k dh vnk;xh dj fn;k x;k FkkA ifjoknh us vukifRr izek.k i= iznk; fd;s tkus ds fy, fojks/kh i{kdkj ls lEidZ fd;s tkus ij fnukWad 30@04@2022 dks vksOgj M~;w bZ0,e0vkbZ0 LVkyesaV :0 44]341@& vnk fd;s tkus ij ,u0vks0lh0 fn;k tkuk laHko gksuk crk;k x;kA ifjoknh dks _.k dh jkf'k 14 v/kZokf"kZd fd'r fojks/kh i{kdkj dks vnk fd;k tkuk Fkk] fnukWad 04@05@2019 dh vof/k rd 10 v/kZokf"kZd fd'r vnk dh tk pqdh Fkh] 'ks"k leLr ns; jkf'k :0 2]64]200@& ,deq'r vnk dj fn;k x;k] blds i'pkr~ ifjoknh ds fo:) dksbZ _.k jkf'k 'ks"k ugha FkhA ifjoknh }kjk ,u0vks0lh0 dh ekWax fd;s tkus ij rhu o"kZ dh vof/k ds mijkUr :0 44]341@& vksOgj M~;w ns; jkf'k vnk fd;s tkus ij ,u0vks0lh0 tkjh djus dh ckr dh tk jgh gSA
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ifjoknh }kjk ,u0vks0lh0 fnyk;s tkus lfgr vU; vuqrks"k gsrq ifjokn izLrqr fd;k x;k gSA fojks/kh i{kdkj dk dFku gS fd ifjoknh ds fo:) iwoZ esa gh e/;LFk ,oa lqyg vf/kfu;e ds rgr~ ifjokn py jgk Fkk] rn~mijkUr ifjoknh us blds fo:) vU; ifjokn vk;ksx ds le{k nk;j fd;k gSA fojks/kh i{kdkj }kjk Arbitration Award fnukWad 28@04@2023 dh izfr is'k fd;k x;k gS] tks vks0ih0izn'kZ&3 gSA bl laca/k esa ekuuh; jk"Vªh; miHkksDrk vk;ksx }kjk ikfjr vkns'k **ckyeqdqUn tks'kh fo:) lqjs'k jkBh flD;qfjVhl izkbZosV fyfeVsM** vkns'k fnukWad 11 tuojh 2023 voyksduh; gSA ftlesa mYysf[kr gS fd & " It's well settled that the Arbitration and conciliation Act 1996 is a complete code and once an arbitral award is passed, it is to be challenged in the manner provided in the Arbitration and Conciliation Act, 1996 by making an application under Section 34 for setting aside of the award, within the time stipulated under Section 34(3) of the said Act. This has admittedly not been done."
"Undisputedly, In the present case, the Arbitration Award had attained finality as the complainant/Petitioner did not challenge the Award under Section 34 of the Arbitration and conciliation Act, 1996. The Award has also been complied with. Accordingly, as rightly held by the State Commission, the Consumer Complaint is not Maintainable." mijksDr U;k;n`"VkUr ds vkyksd esa izLrqr ifjokn izpyu;ksX; ugha gksus ls lO;; fujLr fd;k tkrk gSA
¼8½ mHk;i{k viuk&viuk O;; Lo;a ogu djsaxsA
¼9½ miHkksDrk laj{k.k vf/kfu;e 1986@2019 }kjk vfuok;Z fd;s x;s vuqlkj bl fu.kZ; dh ,d izfr lHkh i{kksa dks fu%'kqYd iznk; dh tk;sA fu.kZ;ksa dks i{kdkjksa ds voyksdu ds fy, vk;ksx dh osclkbZV ij rRdky viyksM fd;k tkosA
¼10½ bl QSlys dh ,d izfr ds lkFk QkbZy dks fjdkMZ :e esa fHktok;k tk,A
vkns'k dh frfFk %& 19@06@2025
Jherh Vh0nqxkZ T;ksfr jko
¼lnL;½
ftyk miHkksDrk fookn izfrrks"k
vk;ksx] egkleqUn ¼N0x0½
xksiky jatu ikf.kxzkgh
¼v/;{k½
ftyk miHkksDrk fookn izfrrks"k
vk;ksx] egkleqUn ¼N0x0½
fxjh'k JhokLro
¼lnL;½
ftyk miHkksDrk fookn izfrrks"k
vk;ksx] egkleqUn ¼N0x0½
5
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