As a result  of the discussion, the appeal deserves to succeed. The impugned final order is hereby set aside. Consequently, the complaint is allowed in terms of prayer (a) and OP Bank is hereby directed to release the sun of Rs. 10,06,852/- with pending and future interest at the rate of 9% from 20/12/10, until payment. The complainant is also held entitled for a sum of Rs. 50,000/- to be paid to the complainant in terms of prayers (b) and (c) by way of compensation for harrassment, mental stress, frustration, etc. arising from deficiency of service on the part of OP Bank. Complainant is also held entitled for costs of Rs. 5000/- in terms of prayer (d). The said costs shall be paid jointly and severally by both the OPs. The costs of this appeal are quantified at Rs. 10,000/- also to be paid jointly and severally by both the OPs. The amounts herein ordered to be paid shall be paid within 30 days failing which they shall also carry interest at the rate of 9% until they are paid.