NCDRC

NCDRC

FA/1000/2014

AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS. - Complainant(s)

Versus

AMBARDI SEVA SAHKARI MANDI LTD. & ANR - Opp.Party(s)

MR. ARVIND KUMAR GAUR

05 Nov 2014

ORDER

NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION
NEW DELHI
 
FIRST APPEAL NO. 775 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
'Sahyog' Dhebar Road, Rajkot,
Ambardi, Ta. Jasdan
District: Rajkot
...........Respondent(s)
FIRST APPEAL NO. 1000 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 1001 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 776 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 777 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 778 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 779 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 780 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 781 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 782 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 783 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 784 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 785 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 786 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 787 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 788 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 789 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 790 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 791 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 792 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 793 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 794 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 795 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 796 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 797 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 798 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 799 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 800 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 801 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 802 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 803 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 804 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 805 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 806 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 807 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 808 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 809 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 810 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 811 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 812 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 813 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 814 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 815 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 816 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 817 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 818 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 819 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 820 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 821 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 822 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 823 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 824 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 825 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 826 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 827 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 828 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 829 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 830 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 831 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 832 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 833 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 834 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 835 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 836 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 837 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 838 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 839 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 840 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 841 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 842 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 843 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 844 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 845 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 846 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 847 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 848 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 849 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 850 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 851 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 852 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 853 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 854 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 855 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 856 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 857 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 858 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 859 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 860 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 861 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 862 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 863 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 864 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 865 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 866 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 867 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 868 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 869 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 870 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 871 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 872 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 873 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 874 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 875 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 876 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 877 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 878 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 879 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 880 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 881 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 882 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 883 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 884 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 885 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 886 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 887 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 888 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 889 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 890 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 891 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 892 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 893 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 894 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 895 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 896 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 897 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 898 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 899 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 900 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 901 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 902 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 903 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 904 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 905 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 906 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 907 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 908 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 909 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 910 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 911 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 912 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 913 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 914 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 915 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 916 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 917 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 918 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 919 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 920 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 921 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 922 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 923 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 924 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 925 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 926 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 927 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 928 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 929 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 930 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 931 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 932 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 933 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 934 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 935 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 936 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 937 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 938 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 939 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 940 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 941 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 942 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 943 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 944 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 945 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 946 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 947 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 948 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 949 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 950 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 951 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 952 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 953 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 954 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 955 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 956 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 957 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 958 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 959 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 960 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 961 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 962 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 963 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 964 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 965 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 966 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 967 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 968 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 969 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 970 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 971 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 972 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 973 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 974 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 975 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 976 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 977 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 978 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 979 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 980 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 981 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 982 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 983 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 984 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 985 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 986 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 987 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 988 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 989 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 990 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 991 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 992 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 993 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 994 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 995 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 996 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 997 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 998 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)
FIRST APPEAL NO. 999 OF 2014
 
(Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)
WITH
IA/6500/2014,IA/6659/2014
1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.
REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA,
AHMEDABAD - 380 052
...........Appellant(s)
Versus 
1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR
...........Respondent(s)

BEFORE: 
 HON'BLE MR. JUSTICE D.K. JAIN, PRESIDENT
 HON'BLE MR. VINAY KUMAR, MEMBER

For the Appellant :
Mr. Ashok Kumar Gupta, Senior Advocate
with Mr. Sanjiv Sharma , Advocate
For the Respondent :

Dated : 05 Nov 2014
ORDER

          These are a set of 226 appeals filed against the common order of Gujarat State Consumer Disputes Redressal Commission pronounced, on 28th February 2014, in 227 complaints. Appellant, Agricultural Insurance Corporation of India Ltd, (hereinafter referred to as the AICI) was OP-1 before the State Commission. State of Gujarat and Rajkot District Central Cooperative Bank Ltd. (the DCCB) appeared as OP 2 and OP-3, respectively. All 227 complaints were filed by the Sewa Sahkari Mandalis (the SSMs), with and on behalf of their members. SSMs are primary village level agricultural co-operative societies, which had processed the cases of their members for agricultural crop loans advanced by the DCCB, Rajkot District and had subsequently taken up their claims for compensation under the Comprehensive Crop Insurance Scheme.

 2.      Groundnut was one of the crops covered under the above Crop Insurance Scheme, jointly implemented by the Central and State governments. In 1999-2000, this crop was badly affected by drought. Crop cutting experiments conducted by the government agencies established that actual yields had fallen substantially below the ‘threshold yields’.  Therefore, the farmers had become eligible for compensation under the Scheme. Claims were prepared and sent though the Nodal Agency (OP-3/DCCB, Rajkot) to the Implementing Agency (OP-1/AICI). While considering the claims, OP-1 calculated them as per shortfall in yields but made deductions on various grounds, effectively disallowing substantial parts of the claims. Thus, in case of one of the SSMs noted by the State Commission, the claim of Rs.32.79 lakhs was allowed only to the extent of Rs.18.98 lakhs and disallowed for Rs.13.81 lakhs. Therefore, consumer complaints were filed before the State Commission, claiming the balance of the amount. The State Commission held that the farmers/members of the SSMs were entitled to claims as per the shortfall in yields. Therefore, deductions made by OP-1 were held to be impermissible. 

3.      One of the grounds raised in the Memorandum of Appeals is that the complaints were “hopelessly barred by limitation as notice to the appellants was served after a big lapse of 11 years, therefore there are no records available with the appellants to produce before the court.”  There is no explanation how delay in issue of notice from the State Commission can be considered as delay in filing of the complaints. The fact remains that these complaints were filed in 2002 and not after 11 years. Moreover, the agency concerned i.e. OP-1 had admittedly, failed to retain the records of processing of these claims. Therefore, in our view, OP-1 must deal with the resultant situation caused by its own failure. This has nothing to do with the obligation of the complainants under Section 24 A of the Consumer Protection Act, 1986. Therefore, the ground of limitation, raised by the appellant, is rejected at the threshold itself.

4.      For the appellant, it is also contended that the SSMs are agencies for providing crop loans to farmers. They are not the end users of crop loans. Therefore, SSMs cannot be ‘consumer’ under the Consumer Protection Act, 1986. This contention was raised before the State Commission and has been dealt in the impugned order in its true and complete perspective. The State Commission relied on the view taken by the Supreme Court of India in Hindustan Sugar Mills Vs. State of Gujarat (1980 SCC 1681) that legalistic attitude should not be adopted to defeat the legitimate claims of the citizens. Therefore, we agree with the following view taken by the Commission:-

            “It is true that there are technical defects in the complaint.  The complaint is not signed by the complainant.  Affidavit of complainant no.2 is filed.  Permission to file the complaint in representative capacity is not obtained.  However, it should be noted that the complainants are small farmers or marginal farmers.  They are villagers.  Some of them may not be literate.  These complaints are filed in the year 2002.  As per the judgement of Hon’ble National Commission and Hon’ble Supreme Court, the complainants/farmers are entitled to get crop insurance claim as per the scheme without any deduction.  Considering all peculiar facts of these complaints, it will not be desirable in the interest of justice to dismiss all the complaints on technical grounds.”

 

5.      It is important to note that before the State Commission, the Appellant/OP-1 had chosen not to contest the complaints on merits.  However,  the State Commission has duly considered the matter on merits and recorded its findings.  Significantly, it is specifically noted in para 38 of the impugned order that—

            “At this stage, it should be mentioned here that Mr. V.P.Nanavati learned advocate for the opponent no.1 has argued at length about the maintainability of the complaint.  He submitted before the Commission that the complaint is not maintainable under the provisions of the Consumer Protection Act.  Therefore, he does not want to argue on merits of the complaint, more specifically entitlement of the crop insurance claim by the complainant.  Therefore there is not argument on the part of the opponent no.1 about the merits of the case.  Therefore, we have considered the merits of the complaints and entitlement of the assured farmers as per the scheme.  Therefore, we have considered the merits of the case and given our findings.”

6.      Strangely, having chosen not to contest the complaints on merits before the State Commission, the Appellant/OP-1 seeks to do so indirectly before this Commission by referring to certain alleged irregularities in the claims. The Memorandum of Appeals seeks to justify reduction of claims on ground of irregularities noticed by OP-1. It is contended that—

  “The AFCL found serious irregularity such as (i) area insured is much more than the area actually shown (ii) addition of new members after the crop loss become evident (iii) shifting of crop loan from low risk to high risk, (iv) inclusion of sum insured in the share capital etc. It was on the basis of the above mentioned reasons that the claim was reduced and the same was approved by the competent authority and the State Government.  Upon receipt of concurrence letters from both the Governments and receipt of fund for claim disbursement, the Appellant had disbursed the claim amounts being received by the Central and State Governments.”

 

7.      The State Commission has considered this issue in depth and recorded its conclusion in Para 22 of the impugned order—

  “Therefore, most important question requires to be considered would be whether the opponent no.1 is justified in reducing the sum assured and consequently crop insurance claim on the above mentioned grounds.  Our answer to the question is definitely in the negative. Some of the farmers may not have sown ground nut or sown groundnut for lesser area.  It is an individual act on the part of the farmers.  Some have changed the crop.  However, for default on the part of some of the farmers cannot be a ground to penalize and consequently reduced the sum assured for crop insurance claim for all the farmers.  Similarly, deduction of premium amount or outstanding loan of previous year is done by the Nodle Agency that is Bank or the Cooperative society.  It is not permissible.  However, it is done.  This is irregularity on the part of the Nodle Agency the Bank or the Cooperative society.  This is a defect on the part of the Nodle Agency or the society.  However, the assured farmers cannot be penalized for any default for non performance of scheme by the Nodle agency.”  

8.      Going further, the State Commission has in a subsequent para of the impugned order referred to the Resolution of 31.3.1999 issued by the Government of Gujarat. In this, by a policy decision, limits have been fixed for the levels of indemnity under crop insurance. It needs to be noted here that indemnity is reduced to 60% for all crops, other than Raagi.  Also a maximum limit of Rs 10,000 for all individual claims is imposed.  We therefore, find ourselves in complete agreement with the view of the State Commission that in this background,  there would have been no justification for further reduction of such claims on any other ground.

 9.      On the question of justifiability of reductions effected by the appellant/OP-1, the State Commission has placed complete reliance on the decision of the National Commission in Gujarat State Consumer Protection Centre Vs. General Insurance Corporation of India (OP Nos. 192-273 of 1997). Civil Appeals challenging this decision were dismissed by Hon’ble Supreme Court of India on 7.5.2013. 

10.    Facts in the above cases were very similar to those in the present appeals.  The Implementing Agency i.e. the insurance Company had made deduction on various counts like cultivation of groundnut in lesser area, cultivation of some other crop, deductions from the crop loan towards share capital or towards over dues of previous year, etc.  As in the present appeals, the State Government had agreed with the Implementing Agency.  The National Commission however, considered the matter in all its aspects.  We respectfully reiterate the same as under:-

     In our view, the entire exercise of reducing the assured sum is without any basis. firstly, it is to be reiterated that insurance coverage is given to each and every farmer who has taken loan from the Primary Agricultural Credit Cooperative society for cultivation of groundnut.  Further it is to be stated that groundnut is sown in the month of August and not in the month of June of the year.  Further, if GIC had any information that in the month of June there was failure of rain and a drought situation was prevailing, it ought to have taken care at least in not accepting the ‘insurance premium’ from thousands of farmers.  If that was done, at least some of them could have saved amounts pent by them for cultivation of the groundnut and of taking water from other sources.  The chart produced by the respondent reveals that there was cultivation of groundnut in various districts.  For calculating the loss suffered by the agriculturist and for payment of insurance amount, the scheme makes a specific provisions.  There is no provisions in the entire scheme that if some or few loanees have committed default in cultivating the groundnut despite taking loan for cultivation of groundnut, all other loanees could be penalized by reducing the sum assured on an average basis.  At the time of taking loan as per the scheme there is built-in insurance coverage to each and every farmer who takes the loan.

     The scheme nowhere provides such a procedure for settling insurance claim.  The procedure prescribed for assessment of the loss is provided in the scheme.  Firstly, it provides the nature of coverage as per Clause 7 quoted above.  There is a deeming provision in Clause 7 (i), which, inter alia, provides that on the basis crop cutting experiments in the insured season, if the actual average yield, falls short of the specific threshold yield, them all the insured farmers growing that crop are deemed to have suffered the shortfall in their respective yields and the scheme provides coverage against such contingency.  It was sought to be argued that for paying insurance coverage, the scheme provides average yield basis for determination of the loss suffered by the farmer.  If this average yield basis is applied, then, the farmer who has suffered total loss, would be getting only 50% of the sum assured.  Hence, the learned Counsel submitted that the scheme farmer for CCIS (Comprehensive Crop Insurance Scheme) is on the basis of area sown in a particular village or Taluka.  This submission and approach by the G.I.C. is without any basis. For determining the loss average yield is to be taken into consideration and the loss of crop is to be paid to each farmer individually.  However, there is no provision that a few loanees commit default in cultivation of groundnut after taking loans in a particular village or primary Agricultural Credit Cooperative Societies commit some irregularity while granting loan, all other farmers who have taken loan for cultivation of groundnut should be penalized and the sum assured in their favour could be reduced.  The scheme nowhere provides for such an exercise by the GIC.  On the contrary, under Clauses (10) there is a specific provision that after determination of shortfall in the actual average yield per hectare of the insured crop each of the insured farmers growing that crop in the defined area will be eligible for indemnity calculated as per the formula provided therein.

    The aforesaid provisions leave no doubt that under the Comprehensive Credit Insurance Scheme insured farmer is the basis and not the Credit Societies, Sufferer is the farmer because of the drought.  Such farmers cannot be penalized because the credit society commits some alleged irregularities, such as (a) while disbursing credit loan deducts the share capital and crop insurance premium; (b) adjustment towards share capital etc; (c) reporting of loan is for groundnut alone, while cultivation in villages is for several crops; (d) mistake or error in classification of big farmers under small and marginal farmers for getting benefits of subsidy.  Further it is to be clearly understood that under the scheme the insurance charge has to be calculated on the sum assured and there insurance premium is an additionality to the sale of finance.  This has been specifically provided in the scheme quoted above.  The insurance charge is to be deducted from crop loan at the time of disbursement of the loan.

    In any case, for such mistake or irregularities assured farmer is not responsible.  If Government wants to penalize, it may penalize the primary agricultural Credit Cooperative Society or the nodal Society- the district level Society, but it cannot penalize the farmer by reducing the sum assured, which is meant for his benefit.  Poor farmer who has suffered the natural calamity cannot be made to suffer further for the mistakes or irregularities committed by the office bearers of the society or some to her farmers.”

 11.    Finally, it is contended on behalf of the Appellant/OP-1 that the amounts of compensation determined by OP-1 and agreed by OP-2, were accepted ‘without protest and in full and final settlement’ of the claims. Therefore, as per the appellant/OP-1, no further claims can be raised for the balance disallowed parts of the claims. On this, the State Commission has given a clear finding in para 37 of the impugned order. It has noted that the loans were advanced by OP-3/DCCB, Rajkot through the SSMs and has observed that—

  “The loanee/insured farmers have not given any writing about the acceptance of crop insurance claim as full and final settlement.  The Bank has also not given such type of writing.  Even if it is accepted by the bank as full and final settlement, it is not binding to the insured farmers.”

 We agree with the view taken by the State Commission. The DCC Bank would have had no authority to give such a discharge on behalf of the borrowing farmer.  There is nothing on the record to show that it had such authority/competence.

 12. In this Commission, the case of the appellant/OP1 has been argued by Mr Ashok Kumar Gupta, Sr. Advocate. It was pointed out to him that certain averment in the Memorandum of Appeal are seen to be contrary to the provision in Clause 7 of the insurance scheme, which deals with Nature of Coverage.  After arguing the matter for some time, learned counsel for the Appellant sought and was permitted time to place on record the relevant documents and in particular, orders of the State Government, if any, interpreting the terms of Clause 7 of the National Agriculture Insurance Scheme. This was considered necessary, in view of the fact that the Written Statement filed on behalf of OP-1 before the State Commission the present appellant had admitted (in Para 9 thereof) that the relevant records had been destroyed and only limited records were available on the computer of OP-1. Proceedings before the State Commission do not show that any such records were submitted. However, despite three opportunities, no documents have been filed in this Commission, on behalf of the appellant/OP-1.

Clause 7 lays down that—

           Nature of coverage

  1. If the actual average yield per hectare of the insured crop for the defined area determined on the basis of crop cutting experiments in the insured reason, falls short of the specified threshold yield, all the insured farmers growing that crop in the defined area are deemed to have suffered shortfall in their respective yields and the scheme seeks to provide coverage against such contingency. 
  2. Where data of yield obtained through crop cutting are not available, the methodology for assessing the shortfall will be decided upon by GIC in consultation with the Union Ministry of Agriculture.”

13.    De hors the provision in Clause 7, the contention raised in the Memorandum of Appeal by appellant/OP-1 is that—

“That it is submitted that before the loans advanced during the loaning period for Kharif season and/ or Rabi season, these loans must fulfil the pre-requisite conditions necessary for any crop loans to be covered under the comprehensive crop insurance scheme.  The pre-requisite conditions are as under:

  1. Loans were required for raising crop;
  2. Loans were actually advanced to farmers for cultivation;
  3. Loans were received and were actually used for raising crop;
  4. The farmers must have made efforts to raise crops;
  5. Loans given by the concerned society or Banks to the farmers and received by the farmers must be for productive purpose and not for repayment of old debts.

Thus, the crop loans/ advances, which do not comply with these six pre-requisite conditions, cannot be considered for that purpose.

 14.  We need to consider this argument in its true perspective and import.  It is not the case of appellant/OP-1 that results of crop cutting experiments were not available. Therefore, sub-clause (ii) would not apply to the facts of this case. The case would clearly fall under sub-clause (i). On plain reading, it unequivocally extends the protection to all the insured farmers growing that crop in the defined area. Thus, the Comprehensive Crop Insurance Scheme was clearly an area scheme in which claims for insurance benefit were to be decided on the basis of area wise shortfall in actual yields as compared to threshold yields. Crop cutting results to determine actual yields per acre as well as computation of area wise threshold yields were both to be determined by government agencies. In this background, the six principles now sought to be invoked in the Memorandum of Appeals, are nothing more than an attempt to convert an area scheme into an individual scheme and an attempt to re-write the Comprehensive Crop Insurance Scheme, itself. We therefore reject this contention in its entirety.

15.    At this stage, we find it imperative to refer to Taluka wise details of the crop cutting results of groundnut crop in Rajkot district, as noted in the impugned order. The picture of damage to the crop by the drought of 1999-2000 that emerges is pathetic. In the nine notified areas for groundnut crop, actual average yields at 9 to 226 quintals per acre were abysmal, compared to the threshold yields of 486 to 872 quintals. In this background, we fully endorse the view of the State Commission that even if some farmers had sown some other crop or had not sown groundnut in the entire area, there would be no justification for reduction of the sum assured in case of all farmers who had sown groundnut crop.

 16.    It also needs to be observed that—

  1. Even before claims under the crop insurance scheme could arise, Government of Gujarat had, by an administrative decision of 31.3.1999, limited the maximum indemnification under the scheme to 60% in case of all crops, other than Ragi (a millet), with a cap of Rs 10,000 on total relief for any crop. Therefore, the insurance scheme, at its best, would have given the farmer only a limited indemnification.
  2. On merits of the matter, appellant/OP-1 had chosen not to challenge the consumer complaints before the State Commission. Therefore, consideration of the appeals would get limited to legal issues only. However, the Memorandum of Appeals has primarily confined itself to mere re-iteration of the grounds urged before the State Commission. Despite opportunity no documents have been filed.
  3. More importantly, the direction of the State Commission in the impugned order is directly based on the view taken by the National Commission in General Insurance Corpn. of India etc. Vs. Gujarat State Consumer Protection Centre. Subsequently, Civil Appeal Nos. 6352-6358 of 2005, filed by the General Insurance Corpn. of India, against this order, have been dismissed by Hon’ble Supreme Court of India.

17.    In view of the details discussed above, we do not find any merit in these appeals. They are accordingly, dismissed at the stage of admission itself.  Parties shall bear their own costs.

 

 
......................J
D.K. JAIN
PRESIDENT
......................
VINAY KUMAR
MEMBER

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