Category: Consumer

Consumer Protection Act, 1986 — Section 2(1)(g) — Deficiency in service — Manufacturing defect — Vehicle purchased with manufacturing defect — State Commission awarded refund of purchase price and compensation — High Court modified the order, directing refund of the principal amount without interest or compensation, citing the complainant’s refusal to accept a replacement engine — Appeal partly allowed

NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION   NISSAN MOTOR INDIA PRIVATE LIMITED Vs. JAISON LUKOSE AND OTHERS ( Before : A. P. Sahi, President and Bharatkumar Pandya, Member ) First Appeal…

Consumer Protection Act, 1986 — Sections 21, 22 — Medical Negligence — Burden of Proof — Complainant failed to discharge the burden of proving medical negligence by leading cogent and convincing evidence — Mere assertions or affidavits are insufficient — Dismissed

NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION   AKTHAR KHAN Vs. GOYAL’S MEDICAL CENTRE AND OTHERS ( Before : Inder Jit Singh, Presiding Member and Sudhir Kumar Jain, Member ) Consumer Complaint…

Consumer Protection Act, 1986 — Section 2(1)(d)(ii) — Definition of “Consumer” — Commercial Purpose — Bank Guarantees availed for the purpose of facilitating profit generation in a business transaction are not considered to be for a commercial purpose that excludes them from the definition of a consumer under the Act, especially when the dispute concerns the refund of commission for unutilized periods of such guarantees — The dominant purpose test applies, and the specific nature of the dispute regarding service charges makes the complaint maintainable — The interpretation of “commercial purpose” should not exclude disputes related to service charges for financial facilities.

NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION   CANARA BANK Vs. M/S. OASYS CYBERNETICS PVT. LTD. ( Before : A.P. Sahi, President and Bharatkumar Pandya, Member ) NC/FA/712/2012 Decided on : 25-02-2026…

Housing Finance — Loan Disbursement — Due Diligence — The National Consumer Disputes Redressal Commission emphasized that while a housing finance company (HFC) has a duty to exercise due diligence, borrowers also have a responsibility to exercise reasonable care and circumspection when availing home loans, especially in builder-linked projects with potential delays or issues — The Commission found that the borrowers had already booked their flats and made initial payments before approaching the HFC for loans, negating claims of reliance on alleged assurances from the HFC — The HFC disbursed loans based on the borrowers’ proposals and submitted records, and could not be held liable for the developer’s subsequent defaults.

NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION   SUBASH CHANDRA SEN Vs. HDFC LTD. ( Before : Avm Jonnalagadda Rajendra Avsm Vsm (Retd.), Presiding Member and Anoop Kumar Mendiratta, Member ) First…

Consumer Protection Act, 1986 — Sections 12, 21(b) — Medical Negligence — Injury to Common Bile Duct (CBD) during gall bladder surgery — Liability of doctors — Lower forums found Opposite Parties 1 & 2 liable for medical negligence and deficiency in service — National Commission upheld these findings — Revision petitions by Opposite Parties 1 & 2 dismissed — Revision petition by complainants allowed for enhancement of compensation — Opposite Parties 1 & 2 jointly and severally liable to pay enhanced compensation and confirmed medical expenses and litigation costs — Appeals dismissed in part and allowed in part.

NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION   DR. VIVEK K. JAIN, VIVEK JAIN HOSPITAL AND OTHERS Vs. LAKHWINDER SINGH AND OTHERS ( Before : Inderjit Singh Presiding Member and Sudhir Kumar…

Consumer Protection Act, 1986 — Reliefs granted — Developer entitled to forfeit 10% of the Basic Sale Price (BSP) — Balance amount paid by the complainant to be refunded with interest at 6% per annum — Upon failure to refund within stipulated time, interest rate to increase to 9% per annum — Liability of Opposite Parties to be joint and several.

NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION   JAYA GUPTA Vs. M/S IREO GRACE REALTECH PVT. LTD. AND OTHER ( Before : Dr. Inder Jit Singh, Presiding Member and Sudhir Kumar Jain,…

Consumer Protection Act, 1986 — Section 2(1)(d) — Definition of “consumer” — Commercial purpose — Deposit of surplus funds by a company in a bank for earning interest does not automatically make it a commercial purpose, but if the deposit is made to leverage credit facilities for augmenting business, it would have a direct nexus with revenue generation/profits — The identity of the purchaser or the value of the transaction is not conclusive, but the dominant intention or purpose behind the transaction is determining.

2026 INSC 264 SUPREME COURT OF INDIA DIVISION BENCH SANT ROHIDAS LEATHER INDUSTRIES AND CHARMAKAR DEVELOPMENT CORPORATION LTD. Vs. VIJAYA BANK ( Before : Pamidighantam Sri Narasimha and Manoj Misra,…

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