West Bengal

Bankura

CC/1/2023

Smt. Malati Ruidas - Complainant(s)

Versus

Branch Manager,United Bank of India - Opp.Party(s)

Tapan De

10 Jan 2023

ORDER

                    IN    THE   DISTRICT   CONSUMER   DISPUTES   REDRESSAL COMMISSION BANKURA

Consumer Complaint  No. 01/2023

Date of Filing : 04.01.2023

Before:

1. Samiran Dutta                              Ld. President.      

2. Rina Mukherjee                           Ld. Member. 

3. Siddhartha Sankar Bhui             Ld. Member.

 

For the Complainant: Ld. Advocate Tapan De  

For the O.P. None

Complainant   

1.Smt.  Malati Ruidas, W/o Late Nemai Ruidas.  2.Sri Ghanashyam Ruidas 3.Sri Bijoy Ruidas. At Vill.Kopa, P.S.Kotulpur, Bankura

 

Opposite Party 

1.Branch Manager,United Bank of India, Now Known as Punjab National Bank, Kotulpur Branch, P.O. & P.S. Kotulpur , Dist. Bankura, Pin.-722141

2.Agriculture Insurance of India Ltd., Unit No. 403, 5^th  Floor, N B C C Square, Rajarhat Action Area-3 , New Town, Akanda Kesari, Kolkata- 700135                                                                                                                                          

FINAL ORDER / JUDGEMENT

Order No.02,

Dt.10-01 -2023

Hazira is filed on behalf of the Complainant through Advocate.

The case is fixed for Admission hearing.

Perused the written complaint and the documents therewith.

Heard the Ld. Advocate for the Complainant.

Though the case is admissible from the view point of territorial & pecuniary jurisdiction but the Complainants have not been able to satisfy the Commission for their prima-facie case.

The Complainants have prayed for return of 70% amount as Subsidy against principle Agricultural loan of Rs.90,000/-  as per Bangla Sasya Bima Yojona (BSBY) Scheme sanctioned by O.P. No.1/Bank on the ground that the cultivated paddy was totally damaged due to rainfall.

                                                                                                                                                                                                                                                                                                                                                                                                          Contd…..p/2

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The above mentioned Agricultural loan has been sanctioned under BSBY scheme which is an Insurance Policy regulated by IRDA and one of the first and foremost condition to get the claim for any Insurance policy is to give information to the concerned Insurance Authority immediately after the loss and damage of the cultivated products and to get a Survey report for assessment of the extent of loss and damage. At the time of Admission hearing the Complainants could not furnish any of these two vital documents to establish their prima-facie claim.                            

Thus the Complainants have no prima-facie case to proceed against the O.P.                                                                                                                     

                                                                                      Hence it is ordered…..

That the case is disposed of as being not admissible for want of prima-facie case.

Both parties be supplied copy of the order free of cost.

 

                 __________________                         ________________                                _______________

            HON’BLE   PRESIDENT                   HON’BLE    MEMBER                     HON’BLE    MEMBER