Authority: Supreme Court of India
Order Date: 04 August 2026
Case Overview
- Appellant: H.D.F.C. Bank Ltd; Respondent: Umesh Ambika Prasad Mishra.
- Originating order: NCDRC order dated 13 September 2023 in Consumer Case No. 331/2014, which rejected the bank’s written statement on limitation grounds.
- The rejection was based on the precedent New India Assurance Co. Ltd. vs. Hilli Multipurpose Cold Storage Pvt. Ltd., requiring a digitally signed notice accompanied by a copy of the consumer case.
- The Supreme Court observed that NCDRC did not verify whether the October 2019 notice served on 29‑10‑2019 included the required copy of the consumer case.
- The bank had filed a fresh written statement in 2021 after service of a new notice that complied with the requirement.
Final Outcome
- The appeal is allowed; the NCDRC order rejecting the bank’s written statement is set aside.
- NCDRC shall record the written statement filed by HDFC Bank Ltd and decide the consumer matter on its merits in accordance with law.
- Any pending applications, if any, are ordered disposed of.
- Order signed by Justices Sanjay Kumar and Sanjeev Sachdeva.
Topics: Consumer Protection, Banking Law