jkT; miHkksDrk fookn izfrrks"k vk;ksx] jktLFkku]t;iqj

fjohtu la[;k% 42@2009

vksfjDl vkWVks ,.M fctusl lksY;w'ku fy- orZeku esa vksfjDl vkWVks bUÝkLVªDpj lfoZl fy- x.kifr Iyktk] ,e-vkbZ-jksM] t;iqjA

fjohtudrkZ&izkFkhZ

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1- Nhrj ey iq=k Jh ukjk;.k ey] fuoklh e-ua- 572] jhxL;k dh <k.kh] fd'kux< jsuoky] rglhy Qqysjk] ftyk t;iqjA

xSj fjohtudrkZ la-1&ifjoknh

2- izcU/k funs'kd] U;w bf.M;k ,';ksjsal dEiuh fyfeVsM] U;w bafM;k ,';ksjsUl fcfYMax 87] egkRek xka/kh jksM] QksVZ eqEcbZA

3- fn phQ jhtuy eSustj fn U;w bf.M;k ,';ksjsUl dEiuh fyfeVsM] usg: 'kkWfiax dkWEiysDl] Vksad jksM] t;iqjA

4- e.Myh; izcU/kd fn U;w bafM;k ,';ksjsUl dEiuh fyfeVsM] vkuan Hkou] lalkj pUnz jksM] t;iqjA

xSj fjohtudrkZ la- 2 ls 4&foi{khx.k

fnukad%30@6@2010

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ekuuh; U;k;kf/kifr Jh lquhy dqekj xxZ] v/;{k

ekuuh; Jh 'kf'k dqekj ikjhd]lnL;

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Jh iquhr 'kekZ],MoksdsV]fjohtudrkZ dh vksj ls

Jh vehr /kou],MoksdsV]xSj fjohtudrkZ la-1 dh vksj ls

Jh vejukFk ikjhd],MoksdsV]xSj fjohtudrkZ la- 2 ls 4 dh vksj ls

jkT; vk;ksx }kjk%&

1- geus fo}ku odhy i{kdkjku dks xzg.kkFkZ LVst ij lqukA

2- ;g fuxjkuh fuxjkuhdrkZ&izkFkhZ vksfjDl vkWVks ,.M fctusl lksY;w'ku fy-orZeku esa vksfjDl vkWVks bUÝkLVªDpj lfoZl fy- tks fd ewy ifjokn la-612@2007 esa foi{kh ugha Fkk us ftyk eap] t;iqj izFke] t;iqj ds vkns'k fnukad 22-9-2009 tks ifjokn la-612@2007 esa izLrqr fuxjkuhdrkZ&izkFkhZ ds izkFkZuk&i=k fnuakd 16-5-2008 ftlds }kjk mDr ifjokn esa fuxjkuhdrkZ&izkFkhZ us crkSj QkbZusalj i{kdkj cukus dh izkFkZuk dh Fkh] [kkfjt dj fn;k Fkk] ds fo:) fnukad 10-11-2009 dks is'k dh gSA

3- ;gka dguk mfpr gksxk fd xSj fuxjkuhdrkZ la-1 ewy ifjokn ds ifjoknh us ,d ifjokn xSj fuxjkuhdrkZ la- 2 ls 4 tks fd ewy ifjokn esa foi{kh la- 1 ls 3 gS ds fo:) ftyk eap] t;iqj izFke] t;iqj esa fnukad 23-5-2005 dks ;g dgdj is'k fd;k Fkk fd mlus ,d Vªd la-vkj-ts-14@2th@4048 fuxjkuhdrkZ&izkFkhZ ls QkbZusal djokdj [kjhnk Fkk vkSj og Vªd xSj fuxjkuhdrkZ la- 2 ls 4&chek dEiuh ds ;gka fnukad 28-1-2004 ls 27-1-2005 dh vof/k ds fy, 3]75]800@&:i;s ds fy, chfer Fkk vkSj og Vªd fnukad 16-11-2005 dks pksjh gks x;k Fkk ftldh Fkkuk oS'kkyh uxj] t;iqj esa izFke lwpuk fjiksVZ la-608@2005 ntZ djkbZ Fkh vkSj fQj mldk Dyse xSj fuxjkuhdrkZ la-2 ls4&chek dEiuh ds ;gka is'k fd;k Fkk tks mUgksaus ;g dgdj [kkfjt dj fn;k Fkk fd xSj fuxjkuhdrkZ la-1&ifjoknh us Vªd dks csp fn;k Fkk vkfn&vkfnA

4- fuxjkuhdrkZ&izkFkhZ¼vksfjDl vksVks ,.M fctusl lksY;w'ku fy-½ us ftyk eap] t;iqj izFke] t;iqj esa mDr ifjokn esa ,d izkFkZuk&i=k fnukad 16-5-2008 dks ;g dgdj is'k fd;k Fkk fd xSj fuxjkuhdrkZ la-1&ifjoknh us Vªd la- vkj-ts-14&2th&4048 [kjhnus gsrq muls 3]60]000@&:i;s dk _.k ysdj Vªd [kjhn fd;k Fkk vkSj mldh fd'rs vnk ugha dh vkSj pwafd mDr Vªd dks pksjh gksuk dgk x;k gS blfy, viuh jkf'k dks lqjf{kr j[kus ds fy, mudk ifjokn esa i{kdkjku gksuk vko';d gS blfy, fuxjkuhdrkZ&izkFkhZ us izkFkZuk&i=k is'k dj izkFkZuk dh fd mls ifjokn esa i{kdkj cuk;k tkosA

5- xSj fuxjkuhdrkZ la-1&ifjoknh us ftyk eap] t;iqj izFke] t;iqj esa izkFkZuk&i=k dk tokc fnukad 10-11-2008 dks fn;kA mudk tokc esa dguk gS fd foRr dEiuh vxj viuh jkf'k olwy djuk pkgrh gS rks vyx ls olwyh gsrq dk;Zokgh djus gsrq Lora=k gS D;ksafd mDr izdj.k esa ifjoknh o ba';ksjsal dEiuh ds fookn dk fo"k; gS blfy;s blesa i{kdkj cuk;k tkuk vko';d ugha gS] vkfn&vkfn vr% fuxjkuhdrkZ&izkFkhZ dk izkFkZuk&i=k [kkfjt fd;k tk,sA

6- xSj fuxjkuhdrkZ la- 2 ls 4&foi{khx.k dks ewy ifjokn esa fuxjkuhdrkZ&izkFkhZ¼QkbZusal dEiuh½ dks i{kdkj cuk;s tkus ckcr dksbZ ,srjkt ugha gSA

7- ftyk eap us fuxjkuhdrkZ&izkFkhZ¼QkbZusal dEiuh½ dk izkFkZuk&i=k [kkfjt dj fn;k ;g dgrs gq;s fd&

1- bl izdj.k esa ifjoknh vkSj QkbZusUlj ds chp esa ysu&nsu ds i'pkr~ D;k jkf'k 'ks"k jgrh gS] D;k curh gS mls fuf.kZr djus dh {ks=kkf/kdkfjrk dsoy blhfy, LFkkfir ugha dh tk ldrh gS] fd iz'uxr okgu dks vkosnd us QkbZusal fd;k gSA

2- ikWfylh ^,lkbZu* gksuk vko';d gS tks ekU; :i ls bl dsl esa ugha gSA

3- ,slh fLFkfr esa QkbZusUl dEiuh dks i{kdkj vko';d i{kdkj ds :i esa ugha cuk;k tk ldrk gS fo'ks"kdj tcfd ifjoknh mldk fojks/k dj jgk gSA

8- ml vkns'k ls vlarq"V gksdj fuxjkuhdrkZ& izkFkhZ¼QkbZusal dEiuh½ us ;g fuxjkuh is'k dh gSA

9- fo}ku odhy fuxjkuhdrkZ& izkFkhZ¼QkbZusal dEiuh½ dk dguk gS fd ftyk eap dk vkns'k xyr gS pwafd muds }kjk Vªd dk QkbZusal fd;k x;k gS ftldh jkf'k cdk;k gS o Vªd pksjh gksuk dgk gS ftl dkj.k jkf'k lqjf{kr djuk vko';d gS vr% ftyk eap dk vkns'k fujLr dj mUgsa ifjokn esa i{kdkj cuk;k tkosA

10- fo}ku odhy xSj fuxjkuhdrkZ la-1&ifjoknh dk dguk gS fd ftyk eap dk vkns'k lgh gS vr% fuxjkuhdrkZ& izkFkhZ¼QkbZusal dEiuh½ dh fuxjkuh [kkfjt dh tk,sA

11- tcfd fo}ku odhy xSj fuxjkuhdrkZ la- 2 ls 4&chek dEiuh dks fuxjkuhdrkZ& izkFkhZ¼QkbZusal dEiuh½ dks ifjokn esa i{kdkj cuk;s tkus esa mUgsa dksbZ ,rjkt ugha gSA

12- bl lanHkZ esa fopkj fd;k x;kA

13- gekjh jk; esa QkbZusal dEiuh ,sls ekeyksa esa vko';d i{kdkj gksrh gS D;ksafd vxj Dyse fMØh gksrk gS rks QkbZusal dEiuh viuk Amount lqjf{kr j[k ldrh gS bl lanHkZ esa ekuuh; mPpre U;k;ky; }kjk M/s /Krishna Food & Banking Industry P.Ltd. V/s New India Assurance Co. Ltd. & Anr. 2008 (13) SCALE esa izfrikfnr fl)kUr lgwfy;r ds fy;s ;gka dksM fd;k tk jgk gS&

“In Our opinion, therfore, the submision of the learned counsel for the bank that as soon as a decree is passed or order is made in favour of the complainants, the bank is entitled to the said amount is well founded. For sucha relief, it is not necessary for the Bank to become a plaintiff by filling a suit in a competent Court of Law and obtain a decree in its favour. It is true that had is been the position, the provisions of 1997 Act would get attracted and such suit would be stayed and no decree could have been passed by a competent court in favour of the creditor. But in the light of the statutory provisions in the Insurance Act and in the Transfer of property Act, the Bank is entitled to the amount directly from the insurance Company.”

14- bl izdkj ls ekuuh; mPpre U;k;ky; }kjk izfrikfnr mijksDr fl)kUr ds vk/kkj ij Hkh fuxjkuhdrkZ& izkFkhZ¼QkbZusal dEiuh½ ifjokn esa vko';d i{kdkj cuus ;ksX; gS rkfd ;fn Dyse fMØh gksrk gS rks og viuk Amount lqjf{kr j[k ldsA

15- mijksDr dkj.kksa ds vk/kkj ij ftyk eap }kjk fuxjkuhdrkZ& izkFkhZ¼QkbZusal dEiuh½ }kjk izLrqr izkFkZuk&i=k fnuakd 16-5-2008 esa ikfjr vkns'k fnuakd 22-9-2009 dkfcys iqf"V ugha jgrk gS o fujLr fd;k tkdj fuxjkuhdrkZ& izkFkhZ¼QkbZusal dEiuh½ dks ewy ifjokn esa foi{kh la-4 cuk;s tkus dk vkns'k fn;k tkuk mfpr gSA

ifj.kker% fjohtudrkZ& izkFkhZ¼vksfjDl vkWVks ,.M fctusl lksY;w'ku fy- orZeku esa vksfjDl vkWVks bUÝkLVªDpj lfoZl fy-½ dk fjohtu izkFkZuk&i=k Lohdkj fd;k tkrk gS] ftyk eap] t;iqj izFke] t;iqj }kjk ifjokn la- 612@2007 esa fjohtudrkZ& izkFkhZ¼QkbZusal dEiuh½ }kjk izLrqr izkFkZuk&i=k fnukad 16-5-2008 esa ikfjr vkns'k fnukad 22-9-2009 fujLr fd;k tkrk gS rFkk fjohtudrkZ& izkFkhZ¼QkbZusal dEiuh½ dk izkFkZuk i=k fnukad 16-5-2008 bl izdkj ls fuLrkfjr fd;k tkrk gS fd&

1- xSj fjohtudrkZ la-1&ifjoknh] fjohtudrkZ& izkFkhZ¼QkbZusal dEiuh½ dks ewy ifjokn esa foi{kh la-4 cukrs gq;s ftyk eap] t;iqj izFke] t;iqj esa la'kksf/kr ifjokn is'k djsxkA

2- blds ckn esa fjohtudrkZ& izkFkhZ¼QkbZusal dEiuh½ ewy ifjokn esa viuk tokc is'k djsxhA

3- ftyk eap] t;iqj izFke] t;iqj lHkh i{kdkjku dks lquokbZ dk volj nsus ds i'pkr~ ewy ifjokn dk fuLrkj.k esfjV djsaxsA

4- i{kdkjku dks fgnk;r nh tkrh gS fd os vfxze dk;Zokgh gsrq ftyk eap] t;iqj izFke] t;iqj esa fnukad 2-8-2010 dks mifLFkr jgsaA

¼'kf'k dqekj ikjhd½ ¼U;k;kf/kifr lquhy dqekj xxZ½

lnL; v/;{k

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