{"id":88861,"date":"2016-11-30T12:58:48","date_gmt":"2016-11-30T07:28:48","guid":{"rendered":"http:\/\/www.scconline.com\/blog\/?p=88861"},"modified":"2016-12-23T14:45:19","modified_gmt":"2016-12-23T09:15:19","slug":"failure-to-pay-interest-not-deficiency-in-services-where-interest-to-institutions-was-prohibited-under-the-scheme","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2016\/11\/30\/failure-to-pay-interest-not-deficiency-in-services-where-interest-to-institutions-was-prohibited-under-the-scheme\/","title":{"rendered":"Failure to pay interest, not deficiency in services where interest to Institutions was prohibited under the scheme"},"content":{"rendered":"

National Consumer Disputes Redressal Commission (NCDRC):\u00a0<\/strong>\u201cSince prayer of interest under the scheme to institutions was prohibited, failure to pay interest to the Complainant in that case could not be construed as a case of deficiency in service in terms of Section 2(1)(g) of the Consumer Protection Act,\u201d observed NCDRC and allowed an appeal filed by the Superintendent Of Post Offices, Kolhapur, Maharashtra challenging an order of Maharashtra State Consumer Commission vide which the Department of Posts was directed to refund Rs 60.71 lakh, along with Rs 25,000 as costs to Ichalkaranji Municipal Council in Kolhapur district for alleged deficiency in services.<\/p>\n

Earlier, Ichalkaranji Municipal Council (IMC), deposited the amount accumulated in Staff Salary Reserve Fund with Head Post Office at Ichalkarnaji, District Kolhapur, under its Time Deposit Scheme for a period of five years, commencing 13.08.2002.\u00a0 The interest payable was @ 8.5%\/7.5% p.a. According to IMC, at the time of accepting the deposits, it was never informed that such accounts could not be opened by the Council. On the amounts deposited, IMC received interim interest, however, Post Master, Head Post Office, Ichalkarnaji, later informed IMC that in light of the Audit objection, the Time Deposits made in an official capacity in contravention of the Rules, were required to be closed immediately without payment of interest and by recovering the interest already paid. The postmaster\u2019s letter to IMC followed an amendment to the Post Office Savings Account Rules of 1981 that came into effect on July 27, 2005. Prior to the amendment, the Department of Posts, New Delhi, had issued a general statutory rule on March 8, 1995, barring opening of time deposit accounts by institutions. Consequently, the Post Office refunded the amount deposited in the Time Deposits after deducting the interest paid thereon. While alleging the said action to be illegal and arbitrary, IMC filed complaint before the State Commission. The State Commission partly allowed the complaint on the ground that there was deficiency in service on the part of authorities of Postal Department as they made IMC to believe that the Scheme was to continue, without bringing to its notice the change of the Rules from 1995 itself.<\/p>\n

The National Commission perused the material on record and heard both the parties at length. While relying on the judgment of Supreme Court in Arulmighu Dhandayudhapaniswamy Thirukoil v. Department of Posts, (2011) 13 SCC 220, NCDRC noted, \u201cIn view of the statutory prohibition, the complainant (IMC) was not entitled to any interest and, therefore, there was no deficiency in service on the part of the appellant (senior superintendent of post offices, Kolhapur) in deducting the amount of interest, periodically paid to the complainant on the time deposits in questions.\u201d [Superintendent of Post Offices v. Ichalkaranji Municipal Council, 2016 SCC OnLine NCDRC 1466<\/a>, decided on November 3, 2016]<\/p>\n","protected":false},"excerpt":{"rendered":"

National Consumer Disputes Redressal Commission (NCDRC):\u00a0\u201cSince prayer of interest under the scheme to institutions was prohibited, failure to pay interest to the <\/p>\n","protected":false},"author":91,"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":[11521,11511],"class_list":["post-88861","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-casebriefs","category-tribunals_commissions_regulatorybodies","tag-deficiency-in-service","tag-payment-of-interest"],"yoast_head":"\nFailure to pay interest, not deficiency in services where interest to Institutions was prohibited under the scheme | 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\/2016\/11\/30\/failure-to-pay-interest-not-deficiency-in-services-where-interest-to-institutions-was-prohibited-under-the-scheme\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Failure to pay interest, not deficiency in services where interest to Institutions was prohibited under the scheme\" \/>\n<meta property=\"og:description\" content=\"National Consumer Disputes Redressal Commission (NCDRC):\u00a0\u201cSince prayer of interest under the scheme to institutions was prohibited, failure to pay interest to the\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.scconline.com\/blog\/post\/2016\/11\/30\/failure-to-pay-interest-not-deficiency-in-services-where-interest-to-institutions-was-prohibited-under-the-scheme\/\" \/>\n<meta property=\"og:site_name\" content=\"SCC Times\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/scc.online\/\" \/>\n<meta property=\"article:published_time\" content=\"2016-11-30T07:28:48+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2016-12-23T09:15:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1330\" \/>\n\t<meta property=\"og:image:height\" content=\"887\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Saba\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Saba\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.scconline.com\/blog\/post\/2016\/11\/30\/failure-to-pay-interest-not-deficiency-in-services-where-interest-to-institutions-was-prohibited-under-the-scheme\/\",\"url\":\"https:\/\/www.scconline.com\/blog\/post\/2016\/11\/30\/failure-to-pay-interest-not-deficiency-in-services-where-interest-to-institutions-was-prohibited-under-the-scheme\/\",\"name\":\"Failure to pay interest, not deficiency in services where interest to Institutions was prohibited under the scheme | SCC Times\",\"isPartOf\":{\"@id\":\"https:\/\/www.scconline.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.scconline.com\/blog\/post\/2016\/11\/30\/failure-to-pay-interest-not-deficiency-in-services-where-interest-to-institutions-was-prohibited-under-the-scheme\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.scconline.com\/blog\/post\/2016\/11\/30\/failure-to-pay-interest-not-deficiency-in-services-where-interest-to-institutions-was-prohibited-under-the-scheme\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg\",\"datePublished\":\"2016-11-30T07:28:48+00:00\",\"dateModified\":\"2016-12-23T09:15:19+00:00\",\"author\":{\"@id\":\"https:\/\/www.scconline.com\/blog\/#\/schema\/person\/e8e76b10dfc9c0d576324bfdbb2c2785\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.scconline.com\/blog\/post\/2016\/11\/30\/failure-to-pay-interest-not-deficiency-in-services-where-interest-to-institutions-was-prohibited-under-the-scheme\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.scconline.com\/blog\/post\/2016\/11\/30\/failure-to-pay-interest-not-deficiency-in-services-where-interest-to-institutions-was-prohibited-under-the-scheme\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.scconline.com\/blog\/post\/2016\/11\/30\/failure-to-pay-interest-not-deficiency-in-services-where-interest-to-institutions-was-prohibited-under-the-scheme\/#primaryimage\",\"url\":\"https:\/\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg\",\"contentUrl\":\"https:\/\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg\",\"width\":1330,\"height\":887,\"caption\":\"National Consumer Disputes Redressal Commission\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.scconline.com\/blog\/post\/2016\/11\/30\/failure-to-pay-interest-not-deficiency-in-services-where-interest-to-institutions-was-prohibited-under-the-scheme\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.scconline.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Failure to pay interest, not deficiency in services where interest to Institutions was prohibited under the scheme\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.scconline.com\/blog\/#website\",\"url\":\"https:\/\/www.scconline.com\/blog\/\",\"name\":\"SCC Times\",\"description\":\"Bringing you the Best Analytical Legal News\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.scconline.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.scconline.com\/blog\/#\/schema\/person\/e8e76b10dfc9c0d576324bfdbb2c2785\",\"name\":\"Saba\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.scconline.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/a815285315cd85d8b3246c60ed8ed99825949c1b85b370c49212daa54ededa98?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/a815285315cd85d8b3246c60ed8ed99825949c1b85b370c49212daa54ededa98?s=96&d=mm&r=g\",\"caption\":\"Saba\"},\"url\":\"https:\/\/www.scconline.com\/blog\/post\/author\/editor_2\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Failure to pay interest, not deficiency in services where interest to Institutions was prohibited under the scheme | SCC Times","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.scconline.com\/blog\/post\/2016\/11\/30\/failure-to-pay-interest-not-deficiency-in-services-where-interest-to-institutions-was-prohibited-under-the-scheme\/","og_locale":"en_US","og_type":"article","og_title":"Failure to pay interest, not deficiency in services where interest to Institutions was prohibited under the scheme","og_description":"National Consumer Disputes Redressal Commission (NCDRC):\u00a0\u201cSince prayer of interest under the scheme to institutions was prohibited, failure to pay interest to the","og_url":"https:\/\/www.scconline.com\/blog\/post\/2016\/11\/30\/failure-to-pay-interest-not-deficiency-in-services-where-interest-to-institutions-was-prohibited-under-the-scheme\/","og_site_name":"SCC Times","article_publisher":"https:\/\/www.facebook.com\/scc.online\/","article_published_time":"2016-11-30T07:28:48+00:00","article_modified_time":"2016-12-23T09:15:19+00:00","og_image":[{"width":1330,"height":887,"url":"https:\/\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg","type":"image\/jpeg"}],"author":"Saba","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Saba","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.scconline.com\/blog\/post\/2016\/11\/30\/failure-to-pay-interest-not-deficiency-in-services-where-interest-to-institutions-was-prohibited-under-the-scheme\/","url":"https:\/\/www.scconline.com\/blog\/post\/2016\/11\/30\/failure-to-pay-interest-not-deficiency-in-services-where-interest-to-institutions-was-prohibited-under-the-scheme\/","name":"Failure to pay interest, not deficiency in services where interest to Institutions was prohibited under the scheme | SCC Times","isPartOf":{"@id":"https:\/\/www.scconline.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.scconline.com\/blog\/post\/2016\/11\/30\/failure-to-pay-interest-not-deficiency-in-services-where-interest-to-institutions-was-prohibited-under-the-scheme\/#primaryimage"},"image":{"@id":"https:\/\/www.scconline.com\/blog\/post\/2016\/11\/30\/failure-to-pay-interest-not-deficiency-in-services-where-interest-to-institutions-was-prohibited-under-the-scheme\/#primaryimage"},"thumbnailUrl":"https:\/\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg","datePublished":"2016-11-30T07:28:48+00:00","dateModified":"2016-12-23T09:15:19+00:00","author":{"@id":"https:\/\/www.scconline.com\/blog\/#\/schema\/person\/e8e76b10dfc9c0d576324bfdbb2c2785"},"breadcrumb":{"@id":"https:\/\/www.scconline.com\/blog\/post\/2016\/11\/30\/failure-to-pay-interest-not-deficiency-in-services-where-interest-to-institutions-was-prohibited-under-the-scheme\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.scconline.com\/blog\/post\/2016\/11\/30\/failure-to-pay-interest-not-deficiency-in-services-where-interest-to-institutions-was-prohibited-under-the-scheme\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.scconline.com\/blog\/post\/2016\/11\/30\/failure-to-pay-interest-not-deficiency-in-services-where-interest-to-institutions-was-prohibited-under-the-scheme\/#primaryimage","url":"https:\/\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg","contentUrl":"https:\/\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg","width":1330,"height":887,"caption":"National Consumer Disputes Redressal Commission"},{"@type":"BreadcrumbList","@id":"https:\/\/www.scconline.com\/blog\/post\/2016\/11\/30\/failure-to-pay-interest-not-deficiency-in-services-where-interest-to-institutions-was-prohibited-under-the-scheme\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.scconline.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Failure to pay interest, not deficiency in services where interest to Institutions was prohibited under the scheme"}]},{"@type":"WebSite","@id":"https:\/\/www.scconline.com\/blog\/#website","url":"https:\/\/www.scconline.com\/blog\/","name":"SCC Times","description":"Bringing you the Best Analytical Legal News","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.scconline.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.scconline.com\/blog\/#\/schema\/person\/e8e76b10dfc9c0d576324bfdbb2c2785","name":"Saba","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.scconline.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/a815285315cd85d8b3246c60ed8ed99825949c1b85b370c49212daa54ededa98?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/a815285315cd85d8b3246c60ed8ed99825949c1b85b370c49212daa54ededa98?s=96&d=mm&r=g","caption":"Saba"},"url":"https:\/\/www.scconline.com\/blog\/post\/author\/editor_2\/"}]}},"jetpack_featured_media_url":"https:\/\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg","jetpack_sharing_enabled":true,"jetpack-related-posts":[{"id":300931,"url":"https:\/\/www.scconline.com\/blog\/post\/2023\/09\/06\/ncdrc-directs-icici-bank-pay-25-lakhs-compensation-lost-property-documents\/","url_meta":{"origin":88861,"position":0},"title":"NCDRC directs ICICI bank to pay 25 lakhs compensation over lost property documents","author":"Ridhi","date":"September 6, 2023","format":false,"excerpt":"\u201cThe issue is not of fixing a value to a piece of real estate which the complainant is in possession of. Rather, it is one of compensation for the deficiency in service and of indemnifying the complaint against any future loss.\u201d","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\/2023\/06\/national-consumer-disputes-redressal-commission.webp?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/06\/national-consumer-disputes-redressal-commission.webp?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/06\/national-consumer-disputes-redressal-commission.webp?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/06\/national-consumer-disputes-redressal-commission.webp?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":199516,"url":"https:\/\/www.scconline.com\/blog\/post\/2018\/08\/02\/omission-on-part-of-bank-resulting-in-lapse-of-insurance-policy-amounts-to-deficiency-in-services\/","url_meta":{"origin":88861,"position":1},"title":"Omission on part of bank resulting in lapse of insurance policy amounts to \u2018deficiency in services\u2019","author":"Bhumika Indulia","date":"August 2, 2018","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC): The Bench comprising of R.K. Agarwal, J., M. Shreesha, Member, dismissed the revision petition filed against the order of Haryana State Consumer Disputes Redressal Commission. The respondent had purchased an insurance policy from Oriental Insurance Company which was valid till 28-12-2015, however, the respondent\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":203429,"url":"https:\/\/www.scconline.com\/blog\/post\/2018\/10\/11\/complaints-involving-claim-value-of-less-than-rs-10000000-do-not-fall-under-the-jurisdiction-of-ncdrc\/","url_meta":{"origin":88861,"position":2},"title":"Complaints involving claim value of less than Rs. 1,00,00,000\/- do not fall under the jurisdiction of NCDRC","author":"Bhumika Indulia","date":"October 11, 2018","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC): A Division Member Bench of Anup K Thakur, C. Viswanath, Members, dismissed a complaint at the stage of maintainability, which was filed for claiming deficiency of services on the part of the opposite party. The complainant had booked a residential apartment in one 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":221383,"url":"https:\/\/www.scconline.com\/blog\/post\/2019\/10\/22\/ncdrc-developer-directed-to-give-compensation-in-view-of-principles-of-natural-justice-delay-of-4-years-in-refund-of-booking-amount-on-cancellation\/","url_meta":{"origin":88861,"position":3},"title":"NCDRC | Developer directed to give compensation in view of \u201cPrinciples of Natural Justice\u201d; delay of 4 years in refund of ‘booking amount’ on cancellation","author":"Bhumika Indulia","date":"October 22, 2019","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC): The Bench comprising of Justice R.K. Agrawal (President) and M. Shreesha (Member) while addressing a complaint with respect to \u201cdeficiency of services\u201d by the developer granted compensation keeping in view of the \u201cPrinciples of Natural Justice\u201d. In the present case, aggrieved preferred the first\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":381369,"url":"https:\/\/www.scconline.com\/blog\/post\/2026\/04\/17\/delayed-cheque-presentation-without-reason-deficiency-in-service-sc\/","url_meta":{"origin":88861,"position":4},"title":"Delayed Cheque Presentation in Absence of Any Reasonable Explanation Amounts to Deficiency in Service: Supreme Court","author":"Sucheta","date":"April 17, 2026","format":false,"excerpt":"Upholding NCDRC\u2019s decision holding Canara Bank liable for delayed presentation of cheques, Supreme Court explained that a bank acts as a customer\u2019s agent and is under an obligation to exercise due diligence in presenting the instruments within the prescribed validity period.","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"Delayed Cheque Presentation","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2026\/04\/Delayed-Cheque-Presentation.webp?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2026\/04\/Delayed-Cheque-Presentation.webp?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2026\/04\/Delayed-Cheque-Presentation.webp?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2026\/04\/Delayed-Cheque-Presentation.webp?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":100001,"url":"https:\/\/www.scconline.com\/blog\/post\/2017\/01\/18\/indian-overseas-bank-directed-to-pay-rs-50000-for-delay-in-processing-cheque\/","url_meta":{"origin":88861,"position":5},"title":"Indian Overseas Bank directed to pay Rs 50,000 for delay in processing cheque","author":"Saba","date":"January 18, 2017","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC):\u00a0While directing Indian Overseas Bank to pay Rs 50,000 to a person for delay in processing cheque, NCDRC upheld the order of District Forum asking the bank to pay the money to the man while holding deficiency in service on part of the bank. Said\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":[]}],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/88861","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/users\/91"}],"replies":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/comments?post=88861"}],"version-history":[{"count":0,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/88861\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/media\/199533"}],"wp:attachment":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/media?parent=88861"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/categories?post=88861"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/tags?post=88861"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}