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1- ifjoknh eSllZ ,ejkWYM bad tfj, izksijkbZVj dh vksj ls ;g ifjokn vizkFkhZ la[;k ,d o nks ds fo:) fnukad 28-05-2019 dks bl vk'k; dk izLrqr fd;k x;k gS fd] ifjoknh QeZ dh vksj ls vizkFkhZ chek daiuh ds ;gka ls viuh QeZ ds eky ¼stock½] QuhZpj&fQDplZ] dEI;wVj bR;kfn dk chek STANDARAD FIRE AND SPECIAL PERILS POLICY ;kstuk ds varxZr fnukad
1
09-06-2017 ls 08-06-2018 rd dh vof/k dk dqy chfer jkf'k 42]50]000@& :i;s dk djok;k ftldh chek ikWfylh la[;k&33130011170100000046 vizkFkhZ la[;k nks chek daiuh }kjk tkjh dh x;h A fnukad 14-05-2018 dks ifjoknh ds vkWfQl esa vkx yxus ds dkj.k ifjoknh dk chfer LVkWd] QuhZpj& fQDlpZ] dEI;wVj bR;kfn dkQh lkeku ty x;k A mDr vkxtuh dh lwpuk iqfyl Fkkuk 'kkL=huxj] tks/kiqj dks nh x;h] vkxtuh dh rRdky lwpuk uxj fuxe nedy dks Hkh nh x;h A uxj fuxe ds nedy dfeZ;ksa }kjk ekSds ij vkdj vkx dks cq>k;k x;k A mDr vkxtuh ,oa uqdlkuh dh lwpuk vizkFkhZ la[;k nks chek daiuh dks fnukad 17-05-2018 dks fyf[kr esa nh x;h bl ij chek daiuh }kjk losZ;j Jh ,-ds-lksuh dks fu;qDr fd;k x;k A losZ;j }kjk ekaxs x;s leLr nLrkostkr] lwpuk,a ,oa Li"Vhdj.k 'kh?kzkfr'kh?kz tfj, bZ&esy ,oa O;fDrxr :i ls izsf"kr fd;s x;s A rRi'pkr vizkFkhZ chek daiuh }kjk crk;s vuqlkj fnukad 02-09-2018 dks ifjoknh dh vksj ls fu/kkZfjr izQksekZ@ izi= esa Dyse vkosnu Hkjdj is'k fd;k ftlesa {kfr dh jkf'k djhc 34&35 yk[k :i;s crkrs gq, Dyse dh x;h A vizkFkhZ chek daiuh dh vksj ls i= fnukad 11-03-2019 ds ekQZr ifjoknh dks lwfpr fd;k x;k fd vkids Dyse dks [kkfjt dj fn;k x;k gS ftldk dkj.k ;g vafdr fd;k x;k fd] losZ;j Jh ,-ds-lksuh }kjk ;g ik;k x;k gS fd ifjoknh }kjk chek ikWfylh dh 'krZ la[;k&8 dk mYya?ku fd;k x;k gS A vizkFkhZ chek daiuh }kjk ikWfylh tkjh djrs le; dHkh Hkh fdlh Hkh 'krZ ls voxr ugha djok;k x;k A ifjoknh dks ikWfylh ds tks dkxtkr iznku fd;s x;s] mlesa bl izdkj dh dksbZ 'krZ vafdr gh ugha gS A chek dh 'krZ la[;k&8 ifjokn esa of.kZrkuqlkj gS A vizkFkhZ chek daiuh us ;g ugha crk;k fd chek ikWfylh dh 'krZ la[;k&8 ds pkj d`R;ksa esa ls dkSulk d`R; dj ifjoknh us ikWfylh 'krZ dk mYya?ku fd;k gS A Dyse [kkfjt djus ls iwoZ ifjoknh ls visf{kr Li"Vhdj.k fy;k tkuk vR;ar gh vko';d Fkk A vizkFkhZ chek daiuh us ifjoknh dk chek Dyse vR;ar gh gYds esa ysdj lrgh rkSj ij [kkfjt fd;k gS A ifjoknh us vizkFkhZ chek daiuh ls chek ikWfylh dh 'krZ la[;k&8 ds Li"Vhdj.k ckcr fuosnu fd;k ysfdu vizkFkhZ chek daiuh us dgk fd geusa Dyse [kkfjt dj fn;k gS] vc dqN ugha gks ldrk A ifjoknh us vizkFkhZ chek daiuh dks vf/koDrk ds tfj, fnukad 17-04-2019 dks uksfVl fHktok;k] tks izkIr gksus ds ckotwn vizkFkhZ chek daiuh dh vksj ls ifjoknh dks ns; chek Dyse dh jkf'k
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vnk ugha dh x;h] u gh dksbZ tokc fn;k x;k A vr% ifjoknh dk ifjokn Lohdkj fd;k tkdj ifjoknh dks vizkFkhZx.k ls la;qDrr% vFkok i`Fkd&i`Fkd :i ls chek ikWfylh la[;k 33130011170100000046 ds rgr ns; Dyse jkf'k 34 ls 35 yk[k :i;s e; vkxtuh dh ?kVuk fnukad 14-05-2018 ls vnk;xh rd 12 izfr'kr okf"kZd nj ls C;kt ds vnk djs A lkFk gh ifjoknh dks vizkFkhZ chek daiuh ds mDr lsoknks"k] vuqfpr O;kikj O;ogkj ds dkj.k gqbZ ekufld osnuk isVs 8]00]000@& :i;s rFkk O;kikj esa gq, vkfFkZd uqdlku isVs 5]00]000@&:i;s rFkk vizkFkhZ dk;kZy; ds pSd yxkus] i=kpkj djus] le; dh cckZnh o 'kkjhfjd d"V bR;kfn ds isVs 50]000@&:i;s ,oa ifjokn [kpZ isVs 30]000@&:i;s fnyk;s tkus dh izkFkZuk dh A
2- vizkFkhZ la[;k ,d o nks chek daiuh dh vksj ls tokc ifjokn is'k dj vkjfEHkd vkifRr;ksa ds rkSj ij ifjoknh dks ifjokn esa of.kZr chek ikWfylh tkjh djus dk dFku fd;k rFkk dFku fd;k fd ikWfylh ds rgr dqy 42]50]000@&:i;s dk tksf[ke vkofjr fd;k x;k Fkk ftlesa IykWV] e'khujh o ,lsljh ds :i;s 16]50]000@& QuhpZj] fQfVaXl o blls lacaf/kr :i;s 5]00]000@& rFkk LVkWd o LVkWd bu izksxsl ds :i;s 21]00]000@&:i;s dh tksf[ke doj dh x;h Fkh A ifjoknh QeZ }kjk fnukad 14-05-2018 dks QeZ esa gq, uqdlku dh lwpuk nh x;h A ftl ij chek daiuh }kjk fu;qDr losZ;j us ifjoknh dks fnukad 23-07- 2018 dks tfj, esy lwfpr fd;k fd og fnukad 01-04-2017 ls 15-04-2018 rd dk cSad LVsVesaV] chfer dk izksQkbZy] VªsfMax o ykHk gkfu dk fooj.k fnukad 15- 05-2018 rd dk pkVZMZ ,dkm.Vs.V }kjk izekf.kr fd;k gqvk rFkk fnukad 01- 04-2017 ls 15-05-2018 rd dk lsYl jftLVj miyc/k djkosA izfrmRrj izkIr u gksus ij fnukad 27-08-2018 dks iwu% esy izsf"kr dj mijksDr nLrkostkr dh ekax dh x;h rkfd uqdlku dk vkadyu 'kh?kz fd;k tk ldsA losZ;j }kjk fnukad 25-09-2018 dks tfj, i= chek daiuh dks lwfpr fd;k x;k fd chfer }kjk okafNr tkudkfj;ka miyc/k ugha djok;h x;h gS] bl ckcr chek daiuh }kjk chfer dks i= fnukad 26-09-2018 izsf"kr fd;k x;k ,oa blds vfrfjDr fnukad 12-10-2018] 26-09-2018] 23-09-2018 dks i= rFkk fnukad 23-09-2018] 19-09-2018 o 23-07-2018 dks tfj, bZ&esy nLrkost lkr fnu esa miyC/k djkus dk dgk rFkk blds vHkko esa nkok i=koyh can djus dh lwpuk nh x;h A losZ;j us tfj, bZ&esy fnukad 15-11-2018 ds lwfpr fd;k fd chfer }kjk miyC/k
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djk;k x;k LVkWd LVsVesaV fnukad 16-01-2018 esa fcØh ds vkadM+s esy ugha [kkrs gS A lsYl fjVuZ jkf'k esa mDr jkf'k vafdr ugha gS A okafNr tkudkjh lgh :i ls miyC/k ugha djkus ckcr mDr deh gsrq losZ;j o chek daiuh }kjk fnukad 27-11-2018 dks chfer dks i= Hkstk tkdj tkudkjh miyC/k djkus gsrq fuosnu fd;k x;k A losZ;j }kjk miyC/k nLrkost o losZ ds vk/kkj ij viuh fjiksVZ chek daiuh dks miyC/k djok;h ftlesa vafdr fd;k x;k fd chfer QeZ }kjk LVkWd jftLVj ugha j[kk x;k o chfer }kjk bl laca/k esa Li"Vhdj.k fn;k A losZ;j }kjk vius tkap esa dqN lafnX/k fcanq Hkh vafdr fd;s A fu"d"kZ esa losZ;j }kjk ;g ik;k x;k fd vfXu esa fnukad 14-05-2018 dks eksckbZy doj dk uqdlku n'kkZ;k tks chfer QeZ dk ugha FkkA uksVcqd ds laca/k esa dksbZ [kjhn o fcØh ¼ek=k o nj½ dk fooj.k ugha fn;k x;k A chfer QeZ esa mlds ifjokj dh vU; QeZ dk O;kikj Hkh fd;k tkrk Fkk ftldk chek ikWfylh ds rgr ugha Fkk A chfer }kjk miyc/k djk;s x;s fjdkWMZ ds vuqlkj uksVcqd dh [kjhn 2]30]506@& :i;s vafdr gS o fcØh 2]76]777@&:i;s gS vFkkZr~ uksVcqd dk dksbZ uqdlku ugha gqvk gS A losZ;j dh fjiksVZ esa ;g Hkh vafdr fd;k x;k fd eq[;r% [kjhn ¼90 izfr'kr ls vf/kd½ ifjoknh QeZ }kjk vius firk ls dh x;h o fcØh Lo;a o viuh cgu dh QeZ ds uke ls dh x;h o VsDl vkWfMV fjiksVZ esa bldk gokyk ugha fn;k x;k A losZ;j us chfer }kjk ikWfylh dh 'krZ la[;k 8 dk mYya?ku fd;k tkuk Hkh ik;k A chfer }kjk xyr vk/kkj ij nkok izkIr djus dk iz;kl fd;k] tkap esa lg;ksx ugha fd;k x;k o feF;k ?kks"k.kk ds vk/kkj ij nkok izLrqr fd;k x;k ftls chek ikWfylh dh 'krZ ds vuqlkj lgh [kkfjt fd;k x;k gS A enokj tokc esa ifjokn ds in la[;k ,d] nks o pkj dks Lohdkj djrs gq, rFkk ifjokn ds vf/kdrj rF;ksa dks vLohdkj djrs gq, ifjoknh dk ifjokn lgh rF;ksa ij vk/kkfjr ugha gksus ls vLohdkj dj [kkfjt fd;s tkus dh izkFkZuk dhA 3- ifjoknh dh vksj ls fnukad 18-05-2023 dks Jh ek/ko ehekuh dk 'kiFki= is'k fd;k x;k A vizkFkhZx.k dh vksj ls lk{; esa deyk pkSgku] gky ofj"B izca/kd] U;w bf.M;k ,';ksjsal daiuh fy- e.Myh; dk;kZy; tks/kiqj dk 'kiFk= is'k fd;k x;k A ifjoknh ,oa vizkFkhZx.k dh vksj ls vius vius dFkuksa ds leFkZu esa ifjokn ls lacaf/kr vko';d nLrkostkr dh Nk;kizfr;ka is'k dh x;h A 4- ifjoknh dh vksj ls fyf[kr cgl is'k dj ifjokn ds rF;ksa dk laf{kIr foospu djrs gq, dFku fd;k x;k fd] ifjoknh }kjk Dyse izkFkZuki= ds lkFk tks lk{;
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'kiFki= izLrqr fd;k x;k gS] mls fyf[kr cgl dk vge Hkkx le>k tkos A ifjoknh }kjk izR;sd fcanq dk foLr̀r tokc lk{; 'kiFki= esa of.kZr fd;k x;k gS A ifjoknh dh QeZ dk laiw.kZ eky iw.kZ :i ls chfer Fkk ijUrq chek daiuh us iwjk Dyse gh 'krZ la[;k 8 dk gokyk nsrs gq, euekus
5
laiw.kZ Dyse izkIr djus dk fof/kd vf/kdkjh gS A ifjoknh dh vksj ls fyf[kr cgl ds lkFk ekuuh; jk"Vªh; miHkksDrk fookn izfrrks"k vk;ksx dk U;kf;d n`"Vkar
Primetals Technologies India Pvt. Ltd. Vs The Oriental Insurance Company Ltd. miHkksDrk f'kdk;r la[;k 387@2014 fu.kZ; fnukad 21-04- 2025 is'k fd;k x;k A
5- vizkFkhZx.k dh vksj ls fyf[kr cgl is'k dj tokc esa vafdr vkjfEHkd vkifRr;ksa dks nksgjkrs gq, dFku fd;k x;k fd losZ;j ,d fo'ks"kK dh Js.kh esa vkrk gSA losZ;j }kjk izLrqr dh x;h fjiksVZ@fu"d"kZ ds fo:) ifjoknh }kjk dksbZ lk{; izLrqr ugha dh x;h gS ,slh ifjfLFkfr;ksa esa chek daifu;ksa }kjk izLrqr losZ;j dh fjiksVZ dks gh vafre ekuk tkuk mfpr gS A ifjoknh }kjk vk;ksx ds le{k miyc/k djk;s x;s nLrkostksa dks iqu% losZ;j dks izsf"kr dj fjiksVZ fnukad 17- 03-2025 dks izkIr gqbZ tks ekuuh; vk;ksx ds le{k is'k dh x;h gS ,oa ftldk fu"d"kZ fuEukuqlkj gS %&
"Taking all factors available on the record in to consideration, I conclude that the submitted documents do not goes to proven that the affected materials belongs to insured/claimant."
6- mHk; i{k ds fo}ku vf/koDrkx.k dh cgl lquh x;h A mHk; i{k }kjk izLrqr nLrkostkr] fyf[kr cgl ,oa i=koyh dk /;kuiwoZd ifj'hkyu fd;k A ifjoknh dh vksj ls izLrqr U;kf;d n`"Vkar dk llEeku v/;;u fd;k x;k A ge mijksDr of.kZr U;kf;d n`"Vkar esa izfrikfnr fl)karksa ls iw.kZr% lgefr j[krs gS rFkk egRoiw.kZ fn'kk funsZ'k izkIr djrs gSa A
7- ;g Lohd`r rF; gS fd vizkFkhZ la[;k ,d o nks chek daiuh us ifjoknh QeZ dk chek 42]50]000@&:i;s tksf[kd dk fd;k Fkk ftlesa IykaV] e'khujh o ,lsljh vR;kfn ds 16]50]000@&:i;s] QuhZpj] fQfVaXl bR;kfn ds fy, 5]00]000@&:i;s rFkk LVkWd o LVkWd bu izksxzsl ds fy, 21]000@&:i;s dh tksf[ke doj dh Fkh A ;g Hkh Lohd`r rF; gS fd mDr chek vof/k ds nkSjku fnukad 14-05-2018 dks chfer ifjlj esa vkxtuh dh ?kVuk gqbZ] ftldh fyf[kr fjiksVZ chek daiuh dks fn;s tkus ij chek daiuh }kjk losZ;j dh fu;qfDr dh x;h A tokc esa chek daiuh }kjk izfrj{kk eq[; :i ls bl ckr dh yh x;h gS fd losZ;j us ifjoknh dks fnukad 23-07-2018 dks esy izsf"kr dj lwfpr fd;k fd fnukad 01-04-2017 ls 15-04-2018 rd dk cSad LVsVesaV] chfer dk izksQkbZy]
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VªsfMax o ykHk gkfu dk foj.k fnukad 15-05-2018 rd dk pkVZMZ ,dkm.VsUV }kjk izekf.kr fd;k gqvk rFkk mDr vof/k dk lsYl jftLVj miyc/k djkos A fnukad 27-08-2018 dks iqu% esy izsf"kr fd;k x;k vkSj nLrkostkr dh ekax dh x;h ijUrq ifjoknh }kjk nLrkost miyc/k ugha djk;s x;s A ,d vk/kkj ;g Hkh fy;k x;k fd chek daiuh }kjk chfer ls fnukad 26-09-2018] 12-10-2018] 23-09-2018] 19-09-2018 o 23-07-2018 dks tfj, i= o bZesy nLrkost dh ekax dh x;h A ;gka ;g fy[kk tkuk Hkh lqlaxr gS fd mDr bZesy o i= ifjoknh dks fey x;s gksa] bls lkfcr djus ds fy, nLrkosth lk{; chek daiuh }kjk izLrqr ugha dh x;h A
8- ,d vk/kkj losZ;j us ;g cuk;k fd LVkWd LVsVesaV fnukad 16-01-2018 esa fcØh ds vkadM+s vkil esa esy ugha [kkrs gSa A lsYl fjVuZ jkf'k esa mDr jkf'k vafdr ugha gS A gekjs fouez er esa chek daiuh vkSj losZ;j dk mDr vk/kkj feF;k o cukoVh izrhr gksrk gS A ,d rjQ rks ;g vk/kkj fy;k x;k fd ckj&ckj ekaxs tkus ij nLrkost miyc/k ugha djk;s x;s] nwljh rjQ ;g dgk x;k fd vkadM+s vkil esa esy ugha [kkrs gSa A blds vfrfjDr ;fn cgl ds rkSj ij eku fy;k tk, fd ,slh fLFkfr Fkh rc Hkh mlds Li"Vhdj.k ds fy, ifjoknh dks tfj, jftLVMZ iksLV i= D;ksa ugha Hkstk x;k bldk dksbZ dkj.k chek daiuh dh vksj ls izdV ugha fd;k x;k gS A ;gh fLFkfr fnukad 27-11-2018 ds i= ds laca/k esa jgh gS A mDr i= ifjoknh dks fey x;k gks] bls lkfcr djus okyk izekf.kr nLrkost is'k ugha fd;k x;k gS A ,d vk/kkj losZ;j us viuh fjiksVZ esa ;g fy;k gS fd vfXudk.M esa fnukad 14-05-2018 dks eksckbZy doj dk uqdlku n'kkZ;k gS] tks fd chfer QeZ dk ugha Fkk A uksV cqd ds laca/k esa dksbZ [kjhn o fcØh ¼ek=k o nj½ dk fooj.k ugha fn;k x;k gS A mDr eky ifjoknh QeZ dk ugha Fkk bl fLFkfr ij losZ;j fdl nLrkost vFkok lk{; ds vk/kkj ij igqapk] ;g Hkh losZ fjiksVZ esa Li"V ugha fd;k x;k gS A ,d vk/kkj ;g fy;k x;k gS fd chfer QeZ esa ifjokj dh vU; QeZ dk O;kikj fd;k tkrk Fkk A ifjoknh QeZ us 90 izfr'kr [kjhn ifjoknh QeZ ds izksijkbZVj ds firk ls Ø; dh x;h Fkh vkSj fcØh cgu dh QeZ ds uke ls dh x;h Fkh o VSDl vkWfMV fjiksVZ esa bldk gokyk ugha fn;k x;k gS A gekjs fouez er esa ;fn ,slk gksuk ekuk tk, rc Hkh ;g fcØh dj o vk; dj ¼Sales tax and Income tax½ dk ekeyk cuuk ik;k tk ldrk gS A dksbZ Hkh chek daiuh bl vk/kkj ij chek nsus ls badkj ugha
7
dj ldrh fd mDr eky fdl QeZ ls [kjhnk x;k Fkk vkSj fdl QeZ dks cspk x;k Fkk A
9- ;gka ;g fy[kk tkuk Hkh lqlaxr gS fd chek daiuh ds tokc esa ifjokn ds inkad&1] 2 o 4 dks Lohdkj fd;k x;k gS vFkkZr~ fo'ks"k :i ls [k.Mu ugha fd;k x;k gS A chek daiuh }kjk tks vk/kkj fy;s x;s gSa mlls ,slk izdV gksrk gS fd ifjoknh QeZ dk chek djus ls iwoZ dksbZ fujh{k.k chek ,tsUV }kjk ugha fd;k x;k A ;fn ,slk gksuk ekuk tk, rc Hkh bldk dksbZ ykHk chek daiuh dks ugha fn;k tk ldrk o chek daiuh vFkok mlds ,tsUV dk nkf;Ro Fkk fd og chek djus ls iwoZ QeZ dk HkkSfrd fujh{k.k dj ;g ckr lqfuf'pr djrs fd dkSu lk chek ifjoknh QeZ dk gS vkSj dkSulk chek ifjoknh dk u gksdj ds fdlh vU; QeZ dk gS A bldk fooj.k ifjoknh ls ysrs gq, gh ifjlj dk chek fd;k tkuk pkfg, Fkk A ;g Hkh izdV gksrk gS fd chek daiuh us dsoy losZ;j ds dFkuksa dks vk/kkj ekurs gq, Dyse [kkfjt fd;k gS A
10- vihykFkhZ@ifjoknh dh vksj ls izLrqr U;kf;d n`"Vkar Primetals Technologies India Pvt. Ltd. Vs The Oriental Insurance Company Ltd. esa izfikfnr fd;k x;k gS fd losZ;j dh fjiksVZ dks chek Dyse lsVy djus ds fy, ,d lqlaxr lk{; ekuk tk ldrk gS ijUrq flfoy vihy uacj 3673@2015 eSllZ lqij yscy esU;wQsDpfjax daiuh cuke U;w bf.M;k ,';ksjsal daiuh fyfeVsM fu.kZ; fnukad 16-05-2023 esa ekuuh; loksZPp U;k;ky; us iwoZ esa ekuuh; loksZPp U;k;ky; }kjk gh ikfjr fu.kZ; ¼2021½ ,l-lh-lh- vkWuykbZu lqizhe dksVZ] us'kuy ba';ksjsal daiuh fyfeVsM cuke gjs'oj ,aVjizkbZtst ¼izkbZosV½ fyfeVsM o vU; esa izfrikfnr bl fl)kar dh iqf"V dh gS fd%&
"surveyor report is not the last and final word. It is not that sacrosanct that it cannot be departed from and it is not conclusive. The approved surveyor's report may be the basis or foundation for settlement of a claim by the insurer in respect of loss suffered by insured but such report is neither binding upon the insured nor insured."
11- chek daiuh }kjk ifjoknh dk chek Dyse bl vk/kkj ij [kkfjt fd;k x;k gS fd ifjoknh }kjk chek ikWfylh dh 'krZ la[;k&8 dk mYya?ku fd;k x;k gS A chek ikWfylh dh 'krksZa ds mYya?ku ds vk/kkj ij Dyse rHkh vLohdkj fd;k tk ldrk gS tc fd Lohd`r :i ls chek ikWfylh ifjoknh dks miyc/k djk
8
nh x;h gks A ;fn ifjoknh dk dFku ;g jgk gS fd chek ikWfylh mls miyc/k gh ugha djk;h x;h vkSj chek daiuh ;g lkfcr djus esa vlQy jgh gS fd chek ikWfylh ifjoknh dks miyC/k djk nh x;h Fkh rks ml chek ikWfylh dh 'krksZa ds vk/kkj ij chek Dyse chek daiuh }kjk [kkfjt ugha fd;k tk ldrkA blds vykok ;g Hkh chek diauh }kjk Li"V ugha fd;k x;k gS fd 'krZ la[;k 8 ds pkj d`R;ksa esa ls dkSuls d`R; dk mYya?ku ifjoknh }kjk fd;k x;k gS A ;g Lohd`r rF; jgk gS fd ifjoknh us vizkFkhZ chek daiuh ls 42]50]000@& :i;s dh tksf[ke gsrq chek ikWfylh fnukad 09-06-2017 ls 08-06-2018 rd dh vof/k gsrq izkIr dh Fkh A ftlesa ls IykaV] e'khujh o ,lsljh dh en esa 16]50]000@&:i;s] QuhpZj] fQfVaXl bR;kfn ds fy, 5]00]000@&:i;s rFkk LVkWd o LVkWd bu izksxsl ds fy, 21]00]000@&:i;s dk tksf[ke doj fd;k x;k Fkk A ;g Hkh fookfnr ugha gS fd chfer ifjlj esa vkx yxus ij ifjoknh }kjk mldh lwpuk chek daiuh dks nh x;h vkSj chek daiuh }kjk losZ;j fu;qDr fd;k x;k A chek daiuh }kjk tokc esa ,d vk/kkj ;g fy;k x;k gS fd ifjoknh dks tfj, bZesy fnukad 23-07-2018 dks lwfpr dj fnukad 01-04- 2017 ls 15-04-2018 rd dk cSad LVsVesaV] chfer dk izksQkbZy] VªsfMax o ykHk gkfu dk fooj.k fnukad 15-05*-2018 rd dk pkVZMZ ,dkm.Vs.V }kjk izekf.kr fd;k gqvk rFkk fnukad 01-04-2017 ls 15-05-2018 rd dk lsYl jftLVj miyC/k djkus dh ekax dh Fkh ijUrq dksbZ tokc izkIr ugha gqvk A rRi'pkr fnukad 27-08-2018 dks Hkh esy fd;k x;k ijUrq tkudkjh miyC/k ugha djk;h x;h A blds vfrfjDr 6 fofHkUu fnukadksa dks tfj, bZ&esy nLrkost miyc/k djkus gsrq chek daiuh }kjk i= izsf"kr djus dh ckr dgh x;h gS ijUrq nLrkost miyc/k ugha djk;s x;s A ,d rjQ chek daiuh }kjk ;g vk/kkj fy;k x;k vksj nwljh rjQ ;g dgk x;k fd losZ;j us tfj, bZ&esy fnukad 15-11-2018 dks lwfpr fd;k fd chfer }kjk miyc/k djk;k x;k LVkWd LVsVesaV fnukad 16-01-2018 esa fcØh ds vkadM+s felesp gS A ,d rjQ chek daiuh dk ;g dguk gS fd vkadM+s miyC/k ugha djk;s x;s nwljh rjQ ;g dguk gS fd vkadM+s fel esp gS tcfd ifjoknh us vius ifjokn esa Li"Vr% dFku fd;k gS fd geusa lHkh okafNr nLrkostkr miyc/k djk fn;s Fks A ftu bZ&esy ds tfj, losZ;j o chek daiuh us nLrkost dh ekax djuk crk;k gS og ifjoknh QeZ dks dc esy fd;s] bldh iqf"V gksus ds laca/k esa dksbZ nLrkosth
9
lk{; vfHkys[k ij izLrqr ugha dh x;h gS] u gh fnukad 27-11-2018 dks chek daiuh }kjk Hkstk x;k i= ifjoknh dks fey tkus dh iqf"V ds laca/k esa dksbZ nLrkosth lk{; is'k dh x;h gS A ,d rjQ rks dgk x;k fd vkadM+s felesp gS vkSj ,d rjQ ;g dgk x;k fd LVkWd jftLVj ugha j[kk x;k A ;fn chfer }kjk bl laca/k esa Li"Vhdj.k fn;k x;k gS rks ml Li"Vhdj.k dks ugha ekus tkus dk Hkh dksbZ dkj.k Li"V ugha fd;k x;k gS fd fu"d"kZ esa losZ;j }kjk ;g ik;k x;k fd vfXu esa fnukad 14-05-2018 dks eksckbZy doj dk uqdlku n'kkZ;k] tks chfer QeZ dk ugha gS A 'ks"k jkf'k ds fy, ;g dg fn;k fd] uksV cqd ds laca/k esa dksbZ [kjhn o fcØh ¼ek=k o nj½ dk fooj.k ugha fn;k x;k A chfer QeZ esa mlds ifjokj dh vU; QeZ dk O;kikj Hkh fd;k tkrk gS ftldk chek] chek ikWfylh ds rgr ugha Fkk A bl ckr dh dksbZ izekf.kr lk{; izLrqr ugha dh x;h gS dsoy losZ;j fjiksVZ ds vk/kkj ij ;g vk/kkj fy;k x;k gS A ,d rjQ ;g dgk x;k gS fd chfer O;fDr }kjk ckj ckj ekaxus ij fjdkWMZ miyC/k ugha djk;k x;k nwljh rjQ dg fn;k miyc/k djk;s x;s fjdkWMZ ds vuqlkj uksV cqd dh [kjhn 2]30]506@&:i;s vafdr gS o fcØh 2]76]777@&:i;s gSa vFkkZr~ uksV cqd dk dksbZ uqdlku ugha gqvk gS A ,slk izrhr gksrk gS fd chek daiuh us dsoy losZ;j dh fjiksVZ dks vk/kkj ekurs gq, chek Dyse [kkfjt fd;k gS tcfd fof/k dk loZekU; fl)kar gS fd losZ;j dh fjiksVZ chek Dyse lsVyesaV ds fy, lqlaxr lk{; gks ldrh gS fdUrq mls grossfull truth ugha ekuk tk ldrk A
12- tgka rd iz'u fnukad 01-04-2017 ls 31-12-2017 rd dk LVsVesaV ifjoknh }kjk izLrqr ugha fd;s tkus dk iz'u gS] ;g rF; ifjoknh }kjk Li"V dj fn;k x;k fd mDr vof/k esa cSad us lh-lh-fyfeV [kkrk gh ugha [kksyk Fkk blfy, mDr vof/k dk LVkWd LVsVesaV dk fooj.k cSad esa miyc/k gksus dk iz'u gh mRiUu ugha gksrk gS A izn'kZ&13 vfHkys[k ij pkVZMZ ,dkm.VsaV ujsUnz rks"kuhoky }kjk fnukad 01-04-2018 ls 15-05-2018 dh vof/k gsrq ykHk gkfu ds laca/k esa cuk;s x;s LVsVesaV dh udy gS ftl ij ifjoknh QeZ ds vf/kd`r O;fDr ds gLrk{kj Hkh e; eksgj ds fd;s g, gSa rFkk pkVZMZ ,dkm.VsaV ds Hkh gLrk{kj e; eksgj ds fd;s gq, gSa ftlds lkFk vkWfMV fjiksVZ Hkh yxh gqbZ gS A izn'kZ&14 vizsy&2017 ls ebZ 2018 rd ds izR;sd ekg esa dh x;h fcØh dh jkf'k n'kkZ;h x;h gS] vafre dkWye esa grand total ds vkxs 12]10]38]907
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:i;s 79 iSls n'kkZ;s x;s gSa A vfHkys[k ij izLrqr izn'kZ&15] tks fd chek dEiuh }kjk lk{; esa izLrqr Jh dey pkSgku ds 'kiFk&i= ds lkFk layXu djds is'k fd;k x;k gS] ftlls fnuakd 01-04-2017 ls 31-12-2017 rFkk vizsy]ebZ ,oa twu] 2018 ds LVsVesaV dh udy pkgh xbZ gS] tcfd ?kVuk Lohd`r :Ik ls fnukad 14-05-2018 dh gS A blh bZ&esy esa uhps ifjoknh QeZ dh vksj ls ek/ko feekuh }kjk tks esy fd;k x;k gS] mlds vuqlkj ekpZ] 2018 rd ds LVkWd LVsVesaV dh izfr ,oa vkWfMV fjiksVZ Hkh izLrqr dh tk pqdh Fkh A mDr nLrkost ds i`"B la[;k 2 ds vuq:Ik Øekad la[;k 1 ls 5] 7] 9 ls 11 rFkk 14 ls 15 nLrkosatkr losZ;j dks izkIr gks pqds Fks] ckotwn blds vizkFkhZ chek dEiuh us ifjoknh QeZ ds lEiw.kZ chek Dyse dks [kkfjt djus esa gekjs fouez er esa rF;ksa vkSj fof/k dh Hkwy dh gS A 13- vfHkys[k ij Jh v'kksd dqekj lksuh] losZ;j ,.M yksl vlslj dh foLr`r Fire Survey and Assessment Report Dated 27.02.2019 ekStwn gS] ftlesa losZ;j us fjiksVZ ds vafre ls iwoZ okys i`"B ij Assessment sheet of loss to Plant and Machinary in fire loss dated 14.05.2018 ds uhps 14 vkbVEl dk uke fy[krs gq, muls lacaf/kr fcy] fcy dh fnuakd] oLrq dh nj ,oa ewY; bR;kfn dk mYys[k djrs gq, Depreciation ds ckn Net Amount dk mYys[k fd;k gS A mDRk fjiksVZ ds vafre i`"B ij Øe la[;k 15 ls 18 esa 'ks"k vkbVEl dk mYys[k djrs gq, 3]48]744@&:i;s ds LVkWd dk uqdlku gksuk ekuk gS vkSj mlesa ls lkYost isVs 3]000@&:i;s ?kVkrs gq, 3]45]744@&:i;s dk dqy uqdlku gksuk ekuk gS A losZ;j us viuh mDr foLr̀r fjiksVZ esa Assessment sheet of loss to Furniture and Fixtures ds dkWye esa Furniture and Fixtures dh en esa 65]954@&:i;s dk dqy uqdlku ekurs gq, mlesa ls 3]000@&:i;s lkYost isVs de djus ds i'pkr~ 62]954@&:i;s dk uqdlku gksuk ekuk gS A var esa losZ;j us Plant and Machinary dh en esa 3]45]744-17 :i;s] Furniture and Fixture dh en esa 62]954-08 :Ik;s rFkk Stock Loss dh en esa 14]06]983@&:i;s dk uqdlku gksuk ekuk gS A losZ;j us viuh mDr fjiksVZ esa Dyse dh iks"k.kh;rk ds laca/k esa chek ikWfylh dh 'krZ la[;k 8 dk mYya?ku gksus ds vk/kkj ij Dyse ns; ugha gksus dh flQkfj'k dh gS A
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14- mDr losZ;j fjiksVZ ds vafre vkSj mlls iwoZ ds i`"Bksa ij ftu 18 vkbVEl dh {kfr gksuk crk;k x;k gS] mlesa chek dEiuh ds }kjk 21]360 eksckby doj dk u"V gksuk crk;k x;k gS ftudk ewY; 100@&:i;s izfr eksckby doj ds fglkc ls 21]36]000@&:i;s crkbZ xbZ gS A ;fn cgl ds rkSj ij ;g eku Hkh fy;k tkos fd eksckby doj ifjoknh QeZ ls lacaf/kr ugha Fks] rc Hkh losZ;j }kjk uksV cqd dh crkbZ xbZ {kfr ds laca/k esa ;g ugha dgk tk ldrk fd] losZ;j }kjk viuh fjiksVZ esa crkbZ xbZ uksV cqd dh {kfr ifjoknh QeZ ls lacaf/kr ugha Fkh A tgka rd losZ;j fjiksVZ ds lkFk layXu QksVksxzk¶l] tks vkxtuh dh fnuakd 14-05-2018 dks gh [khaps tkuk izdV gks jgs gSa] muds vuqlkj Hkh vkxtuh cM+s Lrj dh Fkh] ftlesa Hkkjh ek=k esa tyk gqvk lkeku QksVksxzk¶l esa iM+k gqvk utj vk jgk gS A chek ikWfylh dh 'krZ la[;k 8 ds mYya?ku ds vykok dksbZ vk/kkj chek dEiuh dh vksj ls ifjoknh QeZ dk chek Dyse [kkfjt djus ds laca/k esa ugha fy;k x;k gS vkSj chek ikWfylh dh 'krZ la[;k 8 dh ikyuk ds fy,] tSlkfd Åij foospu esa vk;k gS fd] chek ikWfylh dh izfr ifjoknh QeZ dks miyC/k djok nh xbZ gks vkSj ifjoknh QeZ dks chek ikWfylh dh 'krZ la[;k 8 dh tkudkjh gks] ;g rF; vizkFkhZ chek dEiuh lkfcr djus esa vlQy jgh gS A
15- vr% mijksDr lexz foospukuqlkj vizkFkhZx.k chek dEiuh us chek ikWfylh dh 'krZ la[;k 8 ds mYya?ku ds vk/kkj ij i= fnuakfdr 11-03-2019 ds ek/;e ls ifjoknh QeZ dk chek Dyse [kkfjt djds lsoknks"k dkfjr fd;k gS A 16- tgka rd vuqrks"k dk iz'u gS] ifjoknh QeZ us iz'uxr chek ikWfylh ds rgr chek Dyse ds :i esa 34 ls 35 yk[k :i;s fnykus dh izkFkZuk dh gS A vizkFkhZ chek dEiuh us losZ;j ,oa yksl vlslj Jh v'kksd dqekj lksuh dh foLr̀r Fire Survey and Assessment Report Dated 27.02.2019 izLrqr dh gS A losZ;j us viuh fjiksVZ ds var esa Plant and Machinary dh en esa 3]45]744- 17 :i;s] Furniture and Fixture dh en esa 62]954-08 :Ik;s rFkk Stock Loss dh en esa 14]06]983@&:i;s dk uqdlku gksuk ekuk gS A ekuuh; loksZPp U;k;ky; ,oa ekuuh; jk"Vªh; miHkksDrk fookn izfrrks"k vk;ksx }kjk le;≤ ij izfrikfnr fl)kUrksa ds vuqlkj losZ;j fjiksVZ vafre fofu'pkRed ugha ekuh tk ldrh gS] ysfdu chek Dyse ds fu/kkZj.k ds fy, losZ;j fjiksVZ egRoiw.kZ ekuh tk ldrh gS] vr% ge ifjoknh QeZ dks losZ;j
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,.M yksl vlslj Jh v'kksd dqekj lksuh }kjk vkdfyr uqdlku jkf'k e; C;kt chek Dyse ds :i esa fnykuk mfpr ikrs gSa A lkFk gh ge ifjoknh QeZ ekufld osnuk] vkfFkZd uqdlku ,oa 'kkjhfjd d"V dh en esa 25]000@&:i;s ,oa ifjokn O;; dh en esa 10]000@&:i;s fnykuk mfpr ikrs gSa A vkns'k
ifjoknh QeZ eSllZ ,ejkWYM bad tfj;s izksijkbVj Jh ek/ko ehekuh] 'kkL=h uxj] tks/kiqj ds }kjk vizkFkhZx.k ps;jeSu] nh U;w bf.M;k ,';ksjsUl dEiuh fyfeVsM] iz/kku dk;kZy; eqEcbZ o vU; ds fo:) miHkksDrk laj{k.k vf/kfu;e] 1986 dh /kkjk 17 ds vUrxZr izLrqr ifjokni= vkaf'kd :i ls Lohdkj fd;k tkdj vkns'k fn;k tkrk gS fd%&
1- vizkFkhZx.k chek dEiuh] ifjoknh QeZ dks chek Dyse ds :i esa Jh v'kksd dqekj lksuh] losZ;j ,.M yksl vlslj dh Fire Survey and Assessment Report Dated 27.02.2019 ds vuqlkj Plant and Machinary dh en esa 3]45]744-17 :i;s] Furniture and Fixture dh en esa 62]954-08 :Ik;s rFkk Stock Loss dh en esa 14]06]983@&:i;s] bl izdkj dqy 18]15]681-25 :Ik;s (3]45]744-17 $ 62]954-08 $ 14]06]983) Rounded off 18]15]681@&:i;s (vV~Bkjg yk[k iUnzg gtkj N% lkS bD;klh) chek Dyse Repudiate djus dh fnukad 11-03-2019 ls okLrfod vnk;xh dh fnuakd rd 6 izfr'kr okf"kZd nj ls lk/kkj.k C;kt lfgr bl fu.kZ; dh fnuakd ls 45 fnol esa vnk djs
A
2- vizkFkhZx.k chek dEiuh] ifjoknh QeZ dks ekufld osnuk] vkfFkZd uqdlku ,oa 'kkjhfjd d"V dh en esa 25]000@&:i;s (v{kjs :Ik;s iPphl gtkj) ,oa ifjokn O;; dh en esa 10]000@&:i;s (v{kjs :Ik;s nl gtkj) bl fu.kZ; dh fnukad ls 45 fnol ess vnk djs vU;Fkk vizkFkhZx.k chek dEiuh] ifjoknh QeZ dks bu jkf'k;ksa vFkkZr~ 25]000 $ 10]000 = 35]000@&:i;s (v{kjs :Ik;s iSrhl gtkj) ij bl fu.kZ; dh fnukad ls okLrfod vnk;xh dh fnukad rd 9 izfr'kr okf"kZd nj ls lk/kkj.k C;kt vnk djus ds fy, ftEesnkj gksxh A uksV%& bl ifjokn izdj.k esa ekuuh; U;k;kf/kifr Jh nsosUnz dPNkokgk] v/;{k ,oa ekuuh; Jh fy;kdr vyh] lnL; dh csap ds }kjk cgl lqudj izdj.k fu.kZ; gsrq lqjf{kr j[kk x;k Fkk] ysfdu ekuuh; v/;{k ,oa ekuuh; lnL; ds fofHkUu eq[;ky;ksa ij dk;Zjr~ jgus ,oa ekuuh; v/;{k egksn; dk LokLF; [kjkc gksus ds dkj.k fu/kkZfjr le;kof/k ,d ekg esa fu.kZ; ugha
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lquk;k tk ldk vkSj fu.kZ; lquk;s tkus esa ,d ekg ls vf/kd dk le; yxk A
¼fy;kdr vyh½ ¼U;k;kf/kifr nsosUnz dPNkokgk½
lnL; v/;{k
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