{"id":211722,"date":"2019-03-11T11:50:32","date_gmt":"2019-03-11T06:20:32","guid":{"rendered":"https:\/\/www.scconline.com\/blog\/?p=211722"},"modified":"2019-03-19T17:50:00","modified_gmt":"2019-03-19T12:20:00","slug":"ncdrc-no-liability-on-bank-in-the-absence-of-any-evidence-showing-deposition-of-educational-certificates-for-taking-a-loan","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2019\/03\/11\/ncdrc-no-liability-on-bank-in-the-absence-of-any-evidence-showing-deposition-of-educational-certificates-for-taking-a-loan\/","title":{"rendered":"NCDRC | No liability on bank in the absence of any evidence showing deposition of educational certificates for taking a loan"},"content":{"rendered":"

National Consumer Disputes Redressal Commission (NCDRC):<\/strong> Justice V.K. Jain (Presiding Member) set aside the order of District Forum and State Commission and set aside their orders holding a national bank liable for returning educational certificates of the complainant.<\/p>\n

Respondent herein had taken a loan from the petitioner bank under Pradhan Mantri Rozgar Yojana (PMRY) Scheme in 1984. He stated that he had deposited his educational certificates with the bank on the assurance that after repayment of the loan, the said documents would be returned to him. After repayment of the loan, respondent approached the bank for return of his original documents; but the same were not returned to him. Being aggrieved, he approached District Forum by way of a consumer complaint. District Forum allowed the complaint, and the bank\u2019s appeal against the said order was dismissed. Thus, the bank approached filed the instant revision petition.<\/p>\n

The Commission noted that no documentary proof of the alleged deposit had been filed by the respondent. Petitioner, being a nationalized bank and respondent being an educated person, it was difficult to accept that he deposited such important documents with the bank, without even taking an acknowledgment from it. Moreover, no evidence had been led by the respondent to prove that the submission of such documents was necessary under rules of the bank or PMRY Scheme.<\/p>\n

In the absence of any evidence, it was opined that the view taken by the fora was perverse, and therefore the impugned orders could not be sustained.[Allahabad Bank v. Subhash Kumar Mittal, 2019 SCC OnLine NCDRC 25<\/b><\/a>, Order dated 01-03-2019]<\/p>\n","protected":false},"excerpt":{"rendered":"

National Consumer Disputes Redressal Commission (NCDRC): Justice V.K. Jain (Presiding Member) set aside the order of District Forum and State Commission and <\/p>\n","protected":false},"author":8808,"featured_media":199533,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3,11],"tags":[3090,34242,2521,3301,30292,34243],"class_list":["post-211722","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-casebriefs","category-tribunals_commissions_regulatorybodies","tag-bank","tag-educational-certificates","tag-Evidence","tag-liability","tag-loan","tag-pradhan-mantri-rozgar-yojana-pmry-scheme"],"yoast_head":"\nNCDRC | No liability on bank in the absence of any evidence showing deposition of educational certificates for taking a loan | SCC Times<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.scconline.com\/blog\/post\/2019\/03\/11\/ncdrc-no-liability-on-bank-in-the-absence-of-any-evidence-showing-deposition-of-educational-certificates-for-taking-a-loan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"NCDRC | No liability on bank in the absence of any evidence showing deposition of educational certificates for taking a loan\" \/>\n<meta property=\"og:description\" content=\"National Consumer Disputes Redressal Commission (NCDRC): Justice V.K. 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The appellant produced as evidence a letter signed by the Respondent-Branch Manager wherein the respondent expressed inability to sanction a loan of\u2026","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"National Consumer Disputes Redressal Commission","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":196135,"url":"https:\/\/www.scconline.com\/blog\/post\/2018\/05\/19\/interference-through-revisionary-jurisdiction-limited-only-to-cases-where-there-is-prima-facie-miscarriage-of-justice\/","url_meta":{"origin":211722,"position":1},"title":"Interference through revisionary jurisdiction limited only to cases where there is prima facie miscarriage of justice","author":"Saba","date":"May 19, 2018","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC): The NCDRC recently rejected an appeal against the West Bengal State Commission\u2019s judgment, stating that the Commission\u2019s intervention is called for only where there is an evident instance of the jurisdictional error. If not, the scope for interfering with the State Commission\u2019s order is\u2026","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"National Consumer Disputes Redressal Commission","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":101211,"url":"https:\/\/www.scconline.com\/blog\/post\/2017\/01\/21\/co-operative-banks-are-not-authorised-banks-to-accept-deposits-under-pradhan-mantri-garib-kalyan-deposit-scheme\/","url_meta":{"origin":211722,"position":2},"title":"Co-operative Banks are not authorised banks to accept deposits under Pradhan Mantri Garib Kalyan Deposit Scheme","author":"Saba","date":"January 21, 2017","format":false,"excerpt":"Amendment in Pradhan Mantri Garib Kalyan Deposit Scheme (PMGKDS), 2016\u00a0 The Government of India, in consultation with the Reserve Bank of India, had notified\u00a0Pradhan Mantri Garib Kalyan Deposit Scheme\u00a0(PMGKDS), 2016\u00a0vide Notification No. S.O. 4061(E) dated December 16, 2016. The deposit under this Scheme shall be made by any person who\u2026","rel":"","context":"In "Hot Off The Press"","block_context":{"text":"Hot Off The Press","link":"https:\/\/www.scconline.com\/blog\/post\/category\/news\/hot_off_the_press\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":100541,"url":"https:\/\/www.scconline.com\/blog\/post\/2017\/02\/01\/clarifications-on-taxation-and-investment-regime-for-pradhan-mantri-garib-kalyan-yojana-2016\/","url_meta":{"origin":211722,"position":3},"title":"Clarifications on Taxation and Investment Regime for Pradhan Mantri Garib Kalyan Yojana, 2016","author":"Saba","date":"February 1, 2017","format":false,"excerpt":"The Taxation and Investment Regime for Pradhan Mantri Garib Kalyan\u00a0Yojana, 2016 (hereinafter \u2018the Scheme\u2019) provides an opportunity to persons having\u00a0undisclosed income in the form of cash or deposit in an account maintained with a\u00a0specified entity to declare such income and pay tax, surcharge and penalty totaling\u00a0in all to 49.9 per\u2026","rel":"","context":"In "Hot Off The Press"","block_context":{"text":"Hot Off The Press","link":"https:\/\/www.scconline.com\/blog\/post\/category\/news\/hot_off_the_press\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":288837,"url":"https:\/\/www.scconline.com\/blog\/post\/2023\/04\/08\/delhi-high-court-rejects-anticipatory-bail-to-accused-alleged-of-duping-people-for-loan-sanction-under-pradhan-mantri-mudra-loan-yojana-legal-updates-news-research-awareness-news-law\/","url_meta":{"origin":211722,"position":4},"title":"Delhi High Court refuses bail to Justdial employee alleged of duping people on the pretext of getting their loans sanctioned under the \u2018PM Mudra Loan\u2019","author":"Arunima","date":"April 8, 2023","format":false,"excerpt":"Delhi High Court noted that the applicant was working at Justdial in December 2016 as a Relationship Manager and was actively involved in supplying data to his co-accused persons and his link with the said co-accused persons.","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"Delhi High Court","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/02\/MicrosoftTeams-image-472.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/02\/MicrosoftTeams-image-472.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/02\/MicrosoftTeams-image-472.png?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/02\/MicrosoftTeams-image-472.png?resize=700%2C400&ssl=1 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