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Domain > www.eltf.in
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Date
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2016-08-27
64.233.182.214
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2026-02-16
142.251.45.147
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HTTP/1.1 200 OKContent-Type: text/html; charsetUTF-8Expires: Mon, 16 Feb 2026 19:14:54 GMTDate: Mon, 16 Feb 2026 19:14:54 GMTCache-Control: private, max-age0Last-Modified: Thu, 10 Oct 2024 13:59:14 GMTX-Content-Type-Options: nosniffX-XSS-Protection: 1; modeblockServer: GSEAccept-Ranges: noneVary: Accept-EncodingTransfer-Encoding: chunked !DOCTYPE html>html dirltr xmlnshttp://www.w3.org/1999/xhtml xmlns:bhttp://www.google.com/2005/gml/b xmlns:datahttp://www.google.com/2005/gml/data xmlns:exprhttp://www.google.com/2005/gml/expr>head>link hrefhttps://www.blogger.com/static/v1/widgets/2944754296-widget_css_bundle.css relstylesheet typetext/css/>meta contentEducation Loan Task Force (ELTF) creating public awareness about Education loan - An initiative of eMagazine PreSense namedescription/>meta contentprime point, srinivasan, communication, eMagazine, PreSense, business communication, ELTF, digital journalism, DiJAI, ezine, PreSense, education loan, image audit, training, Education Loan Task force, motivation lectures namekeywords/>meta contentPrime Point Srinivasan nameAuthor/>meta contentprpoint@gmail.com nameEmail/>meta contentAll nameRobots/>meta contentindex, follow namerobots/>meta contentindex, follow nameGOOGLEBOT/>meta contentindex, follow nameyahooBOT/>link hrefhttp://fonts.googleapis.com/css?familyOswald relstylesheet typetext/css/>meta contenttext/html; charsetUTF-8 http-equivContent-Type/>meta contentblogger namegenerator/>link hrefhttp://www.eltf.in/favicon.ico relicon typeimage/x-icon/>link hrefhttp://www.eltf.in/ relcanonical/>link relalternate typeapplication/atom+xml titleEducation Loan Task Force (ELTF) - Atom hrefhttp://www.eltf.in/feeds/posts/default />link relalternate typeapplication/rss+xml titleEducation Loan Task Force (ELTF) - RSS hrefhttp://www.eltf.in/feeds/posts/default?altrss />link relservice.post typeapplication/atom+xml titleEducation Loan Task Force (ELTF) - Atom hrefhttps://www.blogger.com/feeds/4030397245684345366/posts/default />!--Cant find substitution for tag blog.ieCssRetrofitLinks-->meta contenthttp://www.eltf.in/ propertyog:url/>meta contentEducation Loan Task Force (ELTF) propertyog:title/>meta contentELTF is a voluntary body to create public awareness. ELTF provides only guidance. ELTF does not undertake to get loans. propertyog:description/>meta contentDESCRIPTION HERE namedescription/>meta contentKEYWORDS HERE namekeywords/>!-- Start www.bloggertipandtrick.net: Changing the Blogger Title Tag -->title>Education Loan Task Force (ELTF)/title>!-- End www.bloggertipandtrick.net: Changing the Blogger Title Tag -->link hrefYOUR-FAVICON-URL relshortcut icon typeimage/vnd.microsoft.icon/>style idpage-skin-1 typetext/css>!--/*-----------------------------------------------Blogger Template StyleName: proEducationAuthor: Lasantha BandaraURL 1: http://www.premiumbloggertemplates.com/URL 2: http://www.bloggertipandtrick.net/Date: March 2012License: This free Blogger template is licensed under the Creative Commons Attribution 3.0 License, which permits both personal and commercial use.However, to satisfy the attribution clause of the license, you are required to keep the footer links intact which provides due credit to its authors. 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Alsup * Version: 2.88 (08-JUN-2010) * Dual licensed under the MIT and GPL licenses. * http://jquery.malsup.com/license.html * Requires: jQuery v1.2.6 or later */(function($){var ver2.88;if($.supportundefined){$.support{opacity:!($.browser.msie)};}function debug(s){if($.fn.cycle.debug){log(s);}}function log(){if(window.console&&window.console.log){window.console.log(cycle +Array.prototype.join.call(arguments, ));}}$.fn.cyclefunction(options,arg2){var o{s:this.selector,c:this.context};if(this.length0&&options!stop){if(!$.isReady&&o.s){log(DOM not ready, queuing slideshow);$(function(){$(o.s,o.c).cycle(options,arg2);});return this;}log(terminating; zero elements found by selector+($.isReady?: (DOM not ready)));return this;}return this.each(function(){var optshandleArguments(this,options,arg2);if(optsfalse){return;}opts.updateActivePagerLinkopts.updateActivePagerLink||$.fn.cycle.updateActivePagerLink;if(this.cycleTimeout){clearTimeout(this.cycleTimeout);}this.cycleTimeoutthis.cyclePause0;var $cont$(this);var $slidesopts.slideExpr?$(opts.slideExpr,this):$cont.children();var els$slides.get();if(els.length2){log(terminating; too few slides: +els.length);return;}var opts2buildOptions($cont,$slides,els,opts,o);if(opts2false){return;}var startTimeopts2.continuous?10:getTimeout(elsopts2.currSlide,elsopts2.nextSlide,opts2,!opts2.rev);if(startTime){startTime+(opts2.delay||0);if(startTime10){startTime10;}debug(first timeout: +startTime);this.cycleTimeoutsetTimeout(function(){go(els,opts2,0,(!opts2.rev&&!opts.backwards));},startTime);}});};function handleArguments(cont,options,arg2){if(cont.cycleStopundefined){cont.cycleStop0;}if(optionsundefined||optionsnull){options{};}if(options.constructorString){switch(options){casedestroy:casestop:var opts$(cont).data(cycle.opts);if(!opts){return false;}cont.cycleStop++;if(cont.cycleTimeout){clearTimeout(cont.cycleTimeout);}cont.cycleTimeout0;$(cont).removeData(cycle.opts);if(optionsdestroy){destroy(opts);}return false;casetoggle:cont.cyclePause(cont.cyclePause1)?0:1;checkInstantResume(cont.cyclePause,arg2,cont);return false;casepause:cont.cyclePause1;return false;caseresume:cont.cyclePause0;checkInstantResume(false,arg2,cont);return false;caseprev:casenext:var opts$(cont).data(cycle.opts);if(!opts){log(options not found, prev/next ignored);return false;}$.fn.cycleoptions(opts);return false;default:options{fx:options};}return options;}else{if(options.constructorNumber){var numoptions;options$(cont).data(cycle.opts);if(!options){log(options not found, can not advance slide);return false;}if(num0||num>options.elements.length){log(invalid slide index: +num);return false;}options.nextSlidenum;if(cont.cycleTimeout){clearTimeout(cont.cycleTimeout);cont.cycleTimeout0;}if(typeof arg2string){options.oneTimeFxarg2;}go(options.elements,options,1,num>options.currSlide);return false;}}return options;function checkInstantResume(isPaused,arg2,cont){if(!isPaused&&arg2true){var options$(cont).data(cycle.opts);if(!options){log(options not found, can not resume);return false;}if(cont.cycleTimeout){clearTimeout(cont.cycleTimeout);cont.cycleTimeout0;}go(options.elements,options,1,(!opts.rev&&!opts.backwards));}}}function removeFilter(el,opts){if(!$.support.opacity&&opts.cleartype&&el.style.filter){try{el.style.removeAttribute(filter);}catch(smother){}}}function destroy(opts){if(opts.next){$(opts.next).unbind(opts.prevNextEvent);}if(opts.prev){$(opts.prev).unbind(opts.prevNextEvent);}if(opts.pager||opts.pagerAnchorBuilder){$.each(opts.pagerAnchors||,function(){this.unbind().remove();});}opts.pagerAnchorsnull;if(opts.destroy){opts.destroy(opts);}}function buildOptions($cont,$slides,els,options,o){var opts$.extend({},$.fn.cycle.defaults,options||{},$.metadata?$cont.metadata():$.meta?$cont.data():{});if(opts.autostop){opts.countdownopts.autostopCount||els.length;}var cont$cont0;$cont.data(cycle.opts,opts);opts.$cont$cont;opts.stopCountcont.cycleStop;opts.elementsels;opts.beforeopts.before?opts.before:;opts.afteropts.after?opts.after:;opts.after.unshift(function(){opts.busy0;});if(!$.support.opacity&&opts.cleartype){opts.after.push(function(){removeFilter(this,opts);});}if(opts.continuous){opts.after.push(function(){go(els,opts,0,(!opts.rev&&!opts.backwards));});}saveOriginalOpts(opts);if(!$.support.opacity&&opts.cleartype&&!opts.cleartypeNoBg){clearTypeFix($slides);}if($cont.css(position)static){$cont.css(position,relative);}if(opts.width){$cont.width(opts.width);}if(opts.height&&opts.height!auto){$cont.height(opts.height);}if(opts.startingSlide){opts.startingSlideparseInt(opts.startingSlide);}else{if(opts.backwards){opts.startingSlideels.length-1;}}if(opts.random){opts.randomMap;for(var i0;iels.length;i++){opts.randomMap.push(i);}opts.randomMap.sort(function(a,b){return Math.random()-0.5;});opts.randomIndex1;opts.startingSlideopts.randomMap1;}else{if(opts.startingSlide>els.length){opts.startingSlide0;}}opts.currSlideopts.startingSlide||0;var firstopts.startingSlide;$slides.css({position:absolute,top:0,left:0}).hide().each(function(i){var z;if(opts.backwards){zfirst?ifirst?els.length+(i-first):first-i:els.length-i;}else{zfirst?i>first?els.length-(i-first):first-i:els.length-i;}$(this).css(z-index,z);});$(elsfirst).css(opacity,1).show();removeFilter(elsfirst,opts);if(opts.fit&&opts.width){$slides.width(opts.width);}if(opts.fit&&opts.height&&opts.height!auto){$slides.height(opts.height);}var reshapeopts.containerResize&&!$cont.innerHeight();if(reshape){var maxw0,maxh0;for(var j0;jels.length;j++){var $e$(elsj),e$e0,w$e.outerWidth(),h$e.outerHeight();if(!w){we.offsetWidth||e.width||$e.attr(width);}if(!h){he.offsetHeight||e.height||$e.attr(height);}maxww>maxw?w:maxw;maxhh>maxh?h:maxh;}if(maxw>0&&maxh>0){$cont.css({width:maxw+px,height:maxh+px});}}if(opts.pause){$cont.hover(function(){this.cyclePause++;},function(){this.cyclePause--;});}if(supportMultiTransitions(opts)false){return false;}var requeuefalse;options.requeueAttemptsoptions.requeueAttempts||0;$slides.each(function(){var $el$(this);this.cycleH(opts.fit&&opts.height)?opts.height:($el.height()||this.offsetHeight||this.height||$el.attr(height)||0);this.cycleW(opts.fit&&opts.width)?opts.width:($el.width()||this.offsetWidth||this.width||$el.attr(width)||0);if($el.is(img)){var loadingIE($.browser.msie&&this.cycleW28&&this.cycleH30&&!this.complete);var loadingFF($.browser.mozilla&&this.cycleW34&&this.cycleH19&&!this.complete);var loadingOp($.browser.opera&&((this.cycleW42&&this.cycleH19)||(this.cycleW37&&this.cycleH17))&&!this.complete);var loadingOther(this.cycleH0&&this.cycleW0&&!this.complete);if(loadingIE||loadingFF||loadingOp||loadingOther){if(o.s&&opts.requeueOnImageNotLoaded&&++options.requeueAttempts100){log(options.requeueAttempts, - img slide not loaded, requeuing slideshow: ,this.src,this.cycleW,this.cycleH);setTimeout(function(){$(o.s,o.c).cycle(options);},opts.requeueTimeout);requeuetrue;return false;}else{log(could not determine size of image: +this.src,this.cycleW,this.cycleH);}}}return true;});if(requeue){return false;}opts.cssBeforeopts.cssBefore||{};opts.animInopts.animIn||{};opts.animOutopts.animOut||{};$slides.not(:eq(+first+)).css(opts.cssBefore);if(opts.cssFirst){$($slidesfirst).css(opts.cssFirst);}if(opts.timeout){opts.timeoutparseInt(opts.timeout);if(opts.speed.constructorString){opts.speed$.fx.speedsopts.speed||parseInt(opts.speed);}if(!opts.sync){opts.speedopts.speed/2;}var bufferopts.fxshuffle?500:250;while((opts.timeout-opts.speed)buffer){opts.timeout+opts.speed;}}if(opts.easing){opts.easeInopts.easeOutopts.easing;}if(!opts.speedIn){opts.speedInopts.speed;}if(!opts.speedOut){opts.speedOutopts.speed;}opts.slideCountels.length;opts.currSlideopts.lastSlidefirst;if(opts.random){if(++opts.randomIndexels.length){opts.randomIndex0;}opts.nextSlideopts.randomMapopts.randomIndex;}else{if(opts.backwards){opts.nextSlideopts.startingSlide0?(els.length-1):opts.startingSlide-1;}else{opts.nextSlideopts.startingSlide>(els.length-1)?0:opts.startingSlide+1;}}if(!opts.multiFx){var init$.fn.cycle.transitionsopts.fx;if($.isFunction(init)){init($cont,$slides,opts);}else{if(opts.fx!custom&&!opts.multiFx){log(unknown transition: +opts.fx,; slideshow terminating);return false;}}}var e0$slidesfirst;if(opts.before.length){opts.before0.apply(e0,e0,e0,opts,true);}if(opts.after.length>1){opts.after1.apply(e0,e0,e0,opts,true);}if(opts.next){$(opts.next).bind(opts.prevNextEvent,function(){return advance(opts,opts.rev?-1:1);});}if(opts.prev){$(opts.prev).bind(opts.prevNextEvent,function(){return advance(opts,opts.rev?1:-1);});}if(opts.pager||opts.pagerAnchorBuilder){buildPager(els,opts);}exposeAddSlide(opts,els);return opts;}function saveOriginalOpts(opts){opts.original{before:,after:};opts.original.cssBefore$.extend({},opts.cssBefore);opts.original.cssAfter$.extend({},opts.cssAfter);opts.original.animIn$.extend({},opts.animIn);opts.original.animOut$.extend({},opts.animOut);$.each(opts.before,function(){opts.original.before.push(this);});$.each(opts.after,function(){opts.original.after.push(this);});}function supportMultiTransitions(opts){var i,tx,txs$.fn.cycle.transitions;if(opts.fx.indexOf(,)>0){opts.multiFxtrue;opts.fxsopts.fx.replace(/\s*/g,).split(,);for(i0;iopts.fxs.length;i++){var fxopts.fxsi;txtxsfx;if(!tx||!txs.hasOwnProperty(fx)||!$.isFunction(tx)){log(discarding unknown transition: ,fx);opts.fxs.splice(i,1);i--;}}if(!opts.fxs.length){log(No valid transitions named; slideshow terminating.);return false;}}else{if(opts.fxall){opts.multiFxtrue;opts.fxs;for(p in txs){txtxsp;if(txs.hasOwnProperty(p)&&$.isFunction(tx)){opts.fxs.push(p);}}}}if(opts.multiFx&&opts.randomizeEffects){var r1Math.floor(Math.random()*20)+30;for(i0;ir1;i++){var r2Math.floor(Math.random()*opts.fxs.length);opts.fxs.push(opts.fxs.splice(r2,1)0);}debug(randomized fx sequence: ,opts.fxs);}return true;}function exposeAddSlide(opts,els){opts.addSlidefunction(newSlide,prepend){var $s$(newSlide),s$s0;if(!opts.autostopCount){opts.countdown++;}elsprepend?unshift:push(s);if(opts.els){opts.elsprepend?unshift:push(s);}opts.slideCountels.length;$s.css(position,absolute);$sprepend?prependTo:appendTo(opts.$cont);if(prepend){opts.currSlide++;opts.nextSlide++;}if(!$.support.opacity&&opts.cleartype&&!opts.cleartypeNoBg){clearTypeFix($s);}if(opts.fit&&opts.width){$s.width(opts.width);}if(opts.fit&&opts.height&&opts.height!auto){$slides.height(opts.height);}s.cycleH(opts.fit&&opts.height)?opts.height:$s.height();s.cycleW(opts.fit&&opts.width)?opts.width:$s.width();$s.css(opts.cssBefore);if(opts.pager||opts.pagerAnchorBuilder){$.fn.cycle.createPagerAnchor(els.length-1,s,$(opts.pager),els,opts);}if($.isFunction(opts.onAddSlide)){opts.onAddSlide($s);}else{$s.hide();}};}$.fn.cycle.resetStatefunction(opts,fx){fxfx||opts.fx;opts.before;opts.after;opts.cssBefore$.extend({},opts.original.cssBefore);opts.cssAfter$.extend({},opts.original.cssAfter);opts.animIn$.extend({},opts.original.animIn);opts.animOut$.extend({},opts.original.animOut);opts.fxFnnull;$.each(opts.original.before,function(){opts.before.push(this);});$.each(opts.original.after,function(){opts.after.push(this);});var init$.fn.cycle.transitionsfx;if($.isFunction(init)){init(opts.$cont,$(opts.elements),opts);}};function go(els,opts,manual,fwd){if(manual&&opts.busy&&opts.manualTrump){debug(manualTrump in go(), stopping active transition);$(els).stop(true,true);opts.busyfalse;}if(opts.busy){debug(transition active, ignoring new tx request);return;}var popts.$cont0,currelsopts.currSlide,nextelsopts.nextSlide;if(p.cycleStop!opts.stopCount||p.cycleTimeout0&&!manual){return;}if(!manual&&!p.cyclePause&&!opts.bounce&&((opts.autostop&&(--opts.countdown0))||(opts.nowrap&&!opts.random&&opts.nextSlideopts.currSlide))){if(opts.end){opts.end(opts);}return;}var changedfalse;if((manual||!p.cyclePause)&&(opts.nextSlide!opts.currSlide)){changedtrue;var fxopts.fx;curr.cycleHcurr.cycleH||$(curr).height();curr.cycleWcurr.cycleW||$(curr).width();next.cycleHnext.cycleH||$(next).height();next.cycleWnext.cycleW||$(next).width();if(opts.multiFx){if(opts.lastFxundefined||++opts.lastFx>opts.fxs.length){opts.lastFx0;}fxopts.fxsopts.lastFx;opts.currFxfx;}if(opts.oneTimeFx){fxopts.oneTimeFx;opts.oneTimeFxnull;}$.fn.cycle.resetState(opts,fx);if(opts.before.length){$.each(opts.before,function(i,o){if(p.cycleStop!opts.stopCount){return;}o.apply(next,curr,next,opts,fwd);});}var afterfunction(){$.each(opts.after,function(i,o){if(p.cycleStop!opts.stopCount){return;}o.apply(next,curr,next,opts,fwd);});};debug(tx firing; currSlide: +opts.currSlide+; nextSlide: 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roll(opts.nextSlide+1)els.length;if(roll&&opts.bounce){opts.backwards!opts.backwards;opts.nextSlideels.length-2;opts.currSlideels.length-1;}else{opts.nextSlideroll?0:opts.nextSlide+1;opts.currSlideroll?els.length-1:opts.nextSlide-1;}}}}if(changed&&opts.pager){opts.updateActivePagerLink(opts.pager,opts.currSlide,opts.activePagerClass);}var ms0;if(opts.timeout&&!opts.continuous){msgetTimeout(elsopts.currSlide,elsopts.nextSlide,opts,fwd);}else{if(opts.continuous&&p.cyclePause){ms10;}}if(ms>0){p.cycleTimeoutsetTimeout(function(){go(els,opts,0,(!opts.rev&&!opts.backwards));},ms);}}$.fn.cycle.updateActivePagerLinkfunction(pager,currSlide,clsName){$(pager).each(function(){$(this).children().removeClass(clsName).eq(currSlide).addClass(clsName);});};function getTimeout(curr,next,opts,fwd){if(opts.timeoutFn){var topts.timeoutFn.call(curr,curr,next,opts,fwd);while((t-opts.speed)250){t+opts.speed;}debug(calculated timeout: +t+; speed: +opts.speed);if(t!false){return t;}}return opts.timeout;}$.fn.cycle.nextfunction(opts){advance(opts,opts.rev?-1:1);};$.fn.cycle.prevfunction(opts){advance(opts,opts.rev?1:-1);};function advance(opts,val){var elsopts.elements;var popts.$cont0,timeoutp.cycleTimeout;if(timeout){clearTimeout(timeout);p.cycleTimeout0;}if(opts.random&&val0){opts.randomIndex--;if(--opts.randomIndex-2){opts.randomIndexels.length-2;}else{if(opts.randomIndex-1){opts.randomIndexels.length-1;}}opts.nextSlideopts.randomMapopts.randomIndex;}else{if(opts.random){opts.nextSlideopts.randomMapopts.randomIndex;}else{opts.nextSlideopts.currSlide+val;if(opts.nextSlide0){if(opts.nowrap){return false;}opts.nextSlideels.length-1;}else{if(opts.nextSlide>els.length){if(opts.nowrap){return false;}opts.nextSlide0;}}}}var cbopts.onPrevNextEvent||opts.prevNextClick;if($.isFunction(cb)){cb(val>0,opts.nextSlide,elsopts.nextSlide);}go(els,opts,1,val>0);return false;}function buildPager(els,opts){var 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ver;};$.fn.cycle.defaults{fx:fade,timeout:4000,timeoutFn:null,continuous:0,speed:1000,speedIn:null,speedOut:null,next:null,prev:null,onPrevNextEvent:null,prevNextEvent:click.cycle,pager:null,onPagerEvent:null,pagerEvent:click.cycle,allowPagerClickBubble:false,pagerAnchorBuilder:null,before:null,after:null,end:null,easing:null,easeIn:null,easeOut:null,shuffle:null,animIn:null,animOut:null,cssBefore:null,cssAfter:null,fxFn:null,height:auto,startingSlide:0,sync:1,random:0,fit:0,containerResize:1,pause:0,pauseOnPagerHover:0,autostop:0,autostopCount:0,delay:0,slideExpr:null,cleartype:!$.support.opacity,cleartypeNoBg:false,nowrap:0,fastOnEvent:0,randomizeEffects:1,rev:0,manualTrump:true,requeueOnImageNotLoaded:true,requeueTimeout:250,activePagerClass:activeSlide,updateActivePagerLink:null,backwards:false};})(jQuery);/* * jQuery Cycle Plugin Transition Definitions * This script is a plugin for the jQuery Cycle Plugin * Examples and documentation at: http://malsup.com/jquery/cycle/ * Copyright (c) 2007-2010 M. 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idPageList1>h2>Pages/h2>div classwidget-content>ul>li classselected>a hrefhttp://www.eltf.in/>Home/a>/li>li>a hrefhttp://www.eltf.in/p/about.html>about/a>/li>/ul>div classclear>/div>/div>/div>/div>/div>div idmain-wrapper>div classmain section idmain>div classwidget HTML data-version1 idHTML5>div classwidget-content>script async src//pagead2.googlesyndication.com/pagead/js/adsbygoogle.js>/script>!-- eltf1 -->ins classadsbygoogle styledisplay:inline-block;width:728px;height:90px data-ad-clientca-pub-3865888796641293 data-ad-slot2468180833>/ins>script>(adsbygoogle window.adsbygoogle || ).push({});/script>/div>div classclear>/div>/div>div classwidget Blog data-version1 idBlog1>div classblog-posts hfeed>!--Cant find substitution for tag defaultAdStart-->h2 classdate-header>Sunday, September 2, 2018/h2>div classwrapfullpost>div classpost hentry>a name479706355940726529>/a>h3 classpost-title entry-title>a hrefhttp://www.eltf.in/2018/09/portal-to-claim-interest-subsidy-for-fy.html>Portal to claim Interest Subsidy for FY 2017-18 is open from 1st Sep 2018 till 28th Sep 2018/a>/h3>div classpost-header-line-1>/div>div classpostmeta-primary>span classmeta_date>4:16 PM/span> span classmeta_categories>a hrefhttp://www.eltf.in/search/label/interest%20subsidy reltag>interest subsidy/a>/span> span classmeta_comments>a hrefhttp://www.eltf.in/2018/09/portal-to-claim-interest-subsidy-for-fy.html#comment-form onclick>No comments/a>/span>/div>div classpost-body entry-content>p>div idsummary479706355940726529>div classseparator styleclear: both; text-align: center;>a hrefhttps://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhujmP4KF1-WU6H4ZA1wmhyRwUoZyK498R9Bi0VQLzfPTnrNbB43SMwIcWdR4imjhzwYT70E1CEiC3vMfx0y7NGV2wNR3PGA2Vwt4EcdmUXfZDih8SlGmW1FqhzF2ZcoVLdIeuVCsn1bz12/s1600/interest+subsidy+2018.jpg imageanchor1 stylemargin-left: 1em; margin-right: 1em;>img border0 data-original-height300 data-original-width1000 height192 srchttps://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhujmP4KF1-WU6H4ZA1wmhyRwUoZyK498R9Bi0VQLzfPTnrNbB43SMwIcWdR4imjhzwYT70E1CEiC3vMfx0y7NGV2wNR3PGA2Vwt4EcdmUXfZDih8SlGmW1FqhzF2ZcoVLdIeuVCsn1bz12/s640/interest+subsidy+2018.jpg width640 />/a>/div>br />div styletext-align: justify;>span stylefont-family: Verdana, sans-serif;>Ministry of HRD has advised Canara Bank to open the Interest Subsidy portal from 1st September 2018 to 28th September 2016 for primary claims of Interest Subsidy on Education Loan for Financial Year 2017-18. As per guidelines, the Branch Managers have to identify the eligible student borrowers and submit the claim for interest subsidy for FY 2017-18 through Canara Bank portal. In the past, many branch managers did not claim the subsidy for eligible students. Because of this, many eligible students did not get the subsidy from the Government. In those cases where the Banks had failed, ELTF has advised the aggrieved students to file a petition with District Consumer Forum claiming damages and compensation from the Banks. /span>/div>div styletext-align: justify;>span stylefont-family: Verdana, sans-serif;>br />/span>/div>div styletext-align: justify;>span stylefont-family: Verdana, sans-serif;>In view of this, eligible students may submit a letter to the Branch Managers under copy to the respective Regional Managers, requesting them to claim the interest subsidy from the Government for FY 2017-18. If the Bank does not submit the claim within the period, the students will not get any subsidy. Though it is the responsibility of the Branch managers to submit the claim, in their own interest, students are advised to ensure that the branches submit the claim within the stipulated date. /span>/div>div styletext-align: justify;>span stylefont-family: Verdana, sans-serif;>br />/span>/div>div styletext-align: justify;>span stylefont-family: Verdana, sans-serif;>b>Eligibility/b>/span>/div>div styletext-align: justify;>span stylefont-family: Verdana, sans-serif;>br />/span>/div>div styletext-align: justify;>span stylefont-family: Verdana, sans-serif;>Students who have availed education loan under IBA scheme to pursue professional or technical courses are eligible for interest subsidy during the study period plus one year, if the parental income is less than 4.50 lakh per annum. Interest subsidy is eligible for students purusing higher education within India in the approved Institutions. /span>/div>div styletext-align: justify;>span stylefont-family: Verdana, sans-serif;>br />/span>/div>div styletext-align: justify;>span stylefont-family: Verdana, sans-serif;>It is sufficient if the student submits the income certificate signed by Thasildar or competent authority only once at the time of availing the loan. They need not submit the income certificate every year. /span>/div>div styletext-align: justify;>span stylefont-family: Verdana, sans-serif;>br />/span>/div>div styletext-align: justify;>span stylefont-family: Verdana, sans-serif;>ELTF does not entertain any direct contacts from the students and parents. If they want any further clarification on interest subsidy, they have to approach the managers only. If the Branch Managers do not respond properly or do not give proper information, the students can complain to the Regional Manager and also to the Chairman of the Bank in writing. ELTF does not deal with individual grievances. /span>/div>div styletext-align: justify;>span stylefont-family: Verdana, sans-serif;>br />/span>/div>div styletext-align: justify;>span stylefont-family: Verdana, sans-serif;>Students can also submit their complaints to Prime Ministers Office through the portal http://pgportal.gov.in. /span>/div>div styletext-align: justify;>span stylefont-family: Verdana, sans-serif;>br />/span>/div>div styletext-align: justify;>span stylefont-family: Verdana, sans-serif;>For any policy guidelines which are not available in the site www.eltf.in, the students can write to us at info@eltf.in./span>/div>div styletext-align: justify;>span stylefont-family: Verdana, sans-serif;>br />/span>/div>div styletext-align: justify;>span stylefont-family: Verdana, sans-serif;>By K. Srinivasan, Convenor, ELTF/span>/div>/div>script typetext/javascript>createSummaryAndThumb(summary479706355940726529);/script>/p>div classreadmore>a hrefhttp://www.eltf.in/2018/09/portal-to-claim-interest-subsidy-for-fy.html>Read More/a>/div>div styleclear: both;>/div>/div>div classpost-footer>div classpost-footer-line post-footer-line-1>/div>div classpost-footer-line post-footer-line-2>/div>div classpost-footer-line post-footer-line-3>/div>/div>/div>/div>h2 classdate-header>Friday, August 31, 2018/h2>div classwrapfullpost>div classpost hentry>a name8315151118052368717>/a>h3 classpost-title entry-title>a hrefhttp://www.eltf.in/2018/08/eltf-nominates-kavipriya-as-goodwill-ambassador-to-promote-education-loan.html>ELTF Nominates Kavipriya as Goodwill Ambassador to Promote Education Loan Awareness/a>/h3>div classpost-header-line-1>/div>div classpostmeta-primary>span classmeta_date>1:29 PM/span> span classmeta_categories>a hrefhttp://www.eltf.in/search/label/Awareness%20programme reltag>Awareness programme/a>/span> span classmeta_comments>a hrefhttp://www.eltf.in/2018/08/eltf-nominates-kavipriya-as-goodwill-ambassador-to-promote-education-loan.html#comment-form onclick>No comments/a>/span>/div>div classpost-body entry-content>p>div idsummary8315151118052368717>div classseparator styleclear: both; text-align: center;>a hrefhttps://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjFtRg_qe1idMY6DVoV8jwuxiX2rEk39MUgRZOZtTLaZJkWYmjuRuVW1oxEiSqTCKnnkz90JzQuhNC3Ia35oPXW3P5YNGpJkZbSRFrTZawlXn2DlMo0txy8NAp0mu3VcQDHPAN7ZmnoKonb/s1600/kavipriya4+copy.jpg imageanchor1 stylemargin-left: 1em; margin-right: 1em;>img altELTF Nominates Kavipriya as Goodwill Ambassador to Promote Education Loan Awareness border0 data-original-height929 data-original-width1600 height369 srchttps://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjFtRg_qe1idMY6DVoV8jwuxiX2rEk39MUgRZOZtTLaZJkWYmjuRuVW1oxEiSqTCKnnkz90JzQuhNC3Ia35oPXW3P5YNGpJkZbSRFrTZawlXn2DlMo0txy8NAp0mu3VcQDHPAN7ZmnoKonb/s640/kavipriya4+copy.jpg titleELTF Nominates Kavipriya as Goodwill Ambassador to Promote Education Loan Awareness width640 />/a>/div>div styletext-align: justify;>span stylefont-family: Verdana, sans-serif;>br />/span>/div>div styletext-align: justify;>span stylefont-family: Verdana, sans-serif;>Education Loan Task Force (ELTF) has nominated Ms Kavipriya Anandan, a multi-faceted personality as i>b>‘Goodwill Ambassador’/b> /i> for the Academic Year 2018-19 to promote Education Loan Awareness, especially among the poor and financially needy students. Kavipriya is an Entrepreneur, Beauty Pageant Winner, Film Maker, Author, Classical Dancer, Communication Strategist, Motivational Speaker and Social Worker. She is also the Founder of the ‘Adding Smiles’ Group of companies. (www.addingsmiles.com). /span>/div>div styletext-align: justify;>span stylefont-family: Verdana, sans-serif;>br />/span>/div>div styletext-align: justify;>span stylefont-family: Verdana, sans-serif;>Although the Government of India has developed a student-friendly Education Loan Scheme with Interest Subsidy, to enable financially needy students to pursue higher education, the Scheme has not been gaining the required awareness among the students. As b>i>Goodwill Ambassador,/i>/b> Kavipriya will promote awareness about the Scheme through video presentations, events, posters and infographics among the students. /span>/div>div styletext-align: justify;>span stylefont-family: Verdana, sans-serif;>br />/span>/div>div styletext-align: justify;>span stylefont-family: Verdana, sans-serif;>Accepting the nomination, Kavipriya said, “It gives me immense honour, pride and responsibility to be a Goodwill ambassador for ELTF. I promise to use the power of words and media to spread awareness of the opportunities that every student is entitled to; to get the education everyone deserves.”/span>/div>div styletext-align: justify;>span stylefont-family: Verdana, sans-serif;>br />/span>/div>div styletext-align: justify;>span stylefont-family: Verdana, sans-serif;>ELTF congratulates Kavipriya on her nomination as b>i>‘Goodwill Ambassador’/i>/b> for the academic year 2018-19 to promote Education Loan Awareness./span>/div>div styletext-align: justify;>span stylefont-family: Verdana, sans-serif;>br />/span>/div>div styletext-align: justify;>span stylefont-family: Verdana, sans-serif;>By K. Srinivasan, Convenor, Education Loan Task Force (ELTF)/span>/div>div styletext-align: justify;>span stylefont-family: Verdana, sans-serif;>br />/span>/div>div styletext-align: justify;>span stylefont-family: Verdana, sans-serif;>a hrefhttp://www.eltf.in/>www.eltf.in/a> a hrefmailto:info@eltf.in>info@eltf.in/a> /span>/div>div styletext-align: justify;>br />/div>/div>script typetext/javascript>createSummaryAndThumb(summary8315151118052368717);/script>/p>div classreadmore>a hrefhttp://www.eltf.in/2018/08/eltf-nominates-kavipriya-as-goodwill-ambassador-to-promote-education-loan.html>Read More/a>/div>div styleclear: both;>/div>/div>div classpost-footer>div classpost-footer-line post-footer-line-1>/div>div classpost-footer-line post-footer-line-2>/div>div classpost-footer-line post-footer-line-3>/div>/div>/div>/div>h2 classdate-header>Monday, June 11, 2018/h2>div classwrapfullpost>div classpost hentry>a name4002600118685236767>/a>h3 classpost-title entry-title>a hrefhttp://www.eltf.in/2018/06/eltf-submits-petition-to-improve.html>ELTF Submits a Petition to Improve Education Loan Scheme, to Hon’ble Chairman of Finance Committee /a>/h3>div classpost-header-line-1>/div>div classpostmeta-primary>span classmeta_date>11:33 AM/span> span classmeta_categories>a hrefhttp://www.eltf.in/search/label/problems reltag>problems/a>/span> span classmeta_comments>a hrefhttp://www.eltf.in/2018/06/eltf-submits-petition-to-improve.html#comment-form onclick>No comments/a>/span>/div>div classpost-body entry-content>p>div idsummary4002600118685236767>table aligncenter cellpadding0 cellspacing0 classtr-caption-container stylemargin-left: auto; margin-right: auto; text-align: center;>tbody>tr>td styletext-align: center;>a hrefhttps://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhjV02uQsAv5I17QunYL3F7ZRIgVAgk_MABefQHPuItF2hr_JsF4dfaXCK1q_VoN3Cw9dbdg8x6js-BeaiOo9XxzYMncu6Vhyphenhyphen9U_dw0VUWl93Dzex5wbqeHOgXbzocdERxvgd_sELuKmpos/s1600/presenting+memorandum+to+dr+moily.JPG imageanchor1 stylemargin-left: auto; margin-right: auto;>img altPrime Point Srinivasan, Publisher & Mg. Editor of PreSense and Convenor of Education Loan Task Force presents a petition to Dr Veerappa Moily. Shri Rajeev Shankarrao Satav, Shri Bhartruhari Mahtab and Smt. Supriya Sule, Award winning Parliamentarians look on. border0 data-original-height1067 data-original-width1600 height426 srchttps://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhjV02uQsAv5I17QunYL3F7ZRIgVAgk_MABefQHPuItF2hr_JsF4dfaXCK1q_VoN3Cw9dbdg8x6js-BeaiOo9XxzYMncu6Vhyphenhyphen9U_dw0VUWl93Dzex5wbqeHOgXbzocdERxvgd_sELuKmpos/s640/presenting+memorandum+to+dr+moily.JPG titlePrime Point Srinivasan, Publisher & Mg. Editor of PreSense and Convenor of Education Loan Task Force presents a petition to Dr Veerappa Moily. Shri Rajeev Shankarrao Satav, Shri Bhartruhari Mahtab and Smt. Supriya Sule, Award winning Parliamentarians look on. width640 />/a>/td>/tr>tr>td classtr-caption styletext-align: center;>span stylefont-family: Verdana, sans-serif; font-size: x-small;>b>Prime Point Srinivasan,Publisher & Mg. Editor of PreSense and Convenor of Education Loan TaskForce presents a petition to Dr Veerappa Moily. Shri Rajeev Shankarrao Satav, Shri Bhartruhari Mahtab and Smt. SupriyaSule, Award winning Parliamentarians look on./b>/span>/td>/tr>/tbody>/table>div styletext-align: justify;>span langEN-GB stylefont-family: Verdana, sans-serif; line-height: 115%;>Education Loan Task Force (ELTF) is one of theinitiatives of your ezine PreSense. Onbehalf of ELTF, Prime Point Srinivasan, Mg. Editor of PreSense and Convenor ofELTF presented a memorandum on 9th June 2018 during Sansad Ratna Award function, to Dr Veerappa Moily, Chairman, Finance Committee listingout the problems faced by students while availing and servicing educationloans. Dr Veerappa Moily spontaneouslyassured that he would take up this matter with the Finance Committee a hrefhttps://www.blogger.com/null name_GoBack>/a>immediately and also take it up with the Governor of ReserveBank of India/span>/div>/div>script typetext/javascript>createSummaryAndThumb(summary4002600118685236767);/script>/p>div classreadmore>a hrefhttp://www.eltf.in/2018/06/eltf-submits-petition-to-improve.html>Read More/a>/div>div styleclear: both;>/div>/div>div classpost-footer>div classpost-footer-line post-footer-line-1>/div>div classpost-footer-line post-footer-line-2>/div>div classpost-footer-line post-footer-line-3>/div>/div>/div>/div>h2 classdate-header>Tuesday, January 2, 2018/h2>div classwrapfullpost>div classpost hentry>a name6864505459493999083>/a>h3 classpost-title entry-title>a hrefhttp://www.eltf.in/2018/01/how-to-handle-when-banks-did-not-claim.html>How to handle when Banks did not claim interest subsidy on Education loans? - FAQ/a>/h3>div classpost-header-line-1>/div>div classpostmeta-primary>span classmeta_date>9:42 PM/span> span classmeta_categories>a hrefhttp://www.eltf.in/search/label/problems reltag>problems/a>/span> span classmeta_comments>a hrefhttp://www.eltf.in/2018/01/how-to-handle-when-banks-did-not-claim.html#comment-form onclick>No comments/a>/span>/div>div classpost-body entry-content>p>div idsummary6864505459493999083>div classseparator styleclear: both; text-align: center;>a hrefhttps://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgfS3ffcPvTv4zfwWajyIU3X9C-GRHtz2MpZjniiHS2lrCWVqJawse3jCuLAg7AwAL-w3fy9z1s6iS-mvOaRsCS09rBqebPu7jdPhrLOpI-kjzrHIPD86Zw-2ipF2gq1uzr5g1GEnaDVHZN/s1600/interest+subsidy+not+claimed.jpg imageanchor1 stylemargin-left: 1em; margin-right: 1em;>img border0 data-original-height600 data-original-width1500 height252 srchttps://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgfS3ffcPvTv4zfwWajyIU3X9C-GRHtz2MpZjniiHS2lrCWVqJawse3jCuLAg7AwAL-w3fy9z1s6iS-mvOaRsCS09rBqebPu7jdPhrLOpI-kjzrHIPD86Zw-2ipF2gq1uzr5g1GEnaDVHZN/s640/interest+subsidy+not+claimed.jpg width640 />/a>/div>span stylefont-family: "verdana" , sans-serif;>br />/span>br />div styletext-align: justify;>span stylefont-family: "verdana" , sans-serif;>ELTF has been receiving hundreds of mails from the students seeking our advice on the following two aspects./span>/div>div styletext-align: justify;>span stylefont-family: "verdana" , sans-serif;>br />/span>/div>div styletext-align: justify;>span stylefont-family: "verdana" , sans-serif;>1. Banks have not claimed eligible subsidy from the Government within due date, thereby denying the interest subsidy to the students; and/span>/div>div styletext-align: justify;>span stylefont-family: "verdana" , sans-serif;>br />/span>/div>div styletext-align: justify;>span stylefont-family: "verdana" , sans-serif;>2. Though the Government of India has promised 100% interest subsidy during the study period plus one year for eligible students, the Government has not settled full amount./span>/div>div styletext-align: justify;>span stylefont-family: "verdana" , sans-serif;>br />/span>/div>div styletext-align: justify;>span stylefont-family: "verdana" , sans-serif;>To avoid repeating the same response, we want to give our views on the two major issues concerning the students./span>/div>div styletext-align: justify;>span stylefont-family: "verdana" , sans-serif;>br />/span>/div>div styletext-align: justify;>span stylefont-family: "verdana" , sans-serif;>b>Interest Subsidy Scheme/b>/span>/div>div styletext-align: justify;>span stylefont-family: "verdana" , sans-serif;>br />/span>/div>div styletext-align: justify;>span stylefont-family: "verdana" , sans-serif;>Government of India has introduced an Interest Subsidy Scheme since 2009, to provide 100% interest subsidy to the eligible students during the study period plus one year. Since many banks did not submit the claim to the Nodal Bank, with the initiative of ELTF, the Government allowed one time opening of the portal in 2015 to enable the Banks to submit the past claims as one time measure. In spite of this permission, many banks failed to submit the pending claims in time. Due to the negligence of banks, the eligible students have been denied their eligible interest subsidy. /span>br />span stylefont-family: "verdana" , sans-serif;>br />/span>span stylefont-family: "verdana" , sans-serif;>ELTF also receives complaints that the Managers have not been creating awareness about the interest subsidy and not advised the students to submit the income certificate. It is the responsibility of the Bank to create awareness and file the claim for eligible students. /span>/div>div styletext-align: justify;>span stylefont-family: "verdana" , sans-serif;>br />/span>/div>div styletext-align: justify;>span stylefont-family: "verdana" , sans-serif;>In many other cases, though the Banks might have filed their claims in time, the Government has not settled 100% interest subsidy as promised by them. Only around 25% of subsidy is reimbursed by the Government. /span>/div>div styletext-align: justify;>span stylefont-family: "verdana" , sans-serif;>br />/span>/div>div styletext-align: justify;>span stylefont-family: "verdana" , sans-serif;>ELTF has taken up these issues in Parliament through supporting MPs and also directly with Honble Prime Minister. /span>/div>div styletext-align: justify;>span stylefont-family: "verdana" , sans-serif;>br />/span>/div>div stylecolor: #222222; text-align: justify;>span stylefont-family: "verdana" , sans-serif;>We have given full details about Interest Subsidy Scheme in the following links. We also give the links of other official sites for more information./span>/div>div stylecolor: #222222; text-align: justify;>span stylefont-family: "verdana" , sans-serif;>br />/span>/div>div>div stylecolor: #222222; text-align: justify;>a hrefhttp://www.eltf.in/2015/09/clarifications-on-education-loan.html target_blank>span stylefont-family: "verdana" , sans-serif;>http://www.eltf.in/2015/09/clarifications-on-education-loan.html /span>/a>/div>div styletext-align: justify;>span stylecolor: #222222; font-family: "verdana" , sans-serif;>a hrefhttp://www.iba.org.in/HRD/ModalitiesScheme.pdf>http://www.iba.org.in/HRD/ModalitiesScheme.pdf/a>/span>/div>div styletext-align: justify;>a hrefhttp://mhrd.gov.in/sites/upload_files/mhrd/files/upload_document/IBAM.pdf>span stylefont-family: "verdana" , sans-serif;>http://mhrd.gov.in/sites/upload_files/mhrd/files/upload_document/IBAM.pdf/span>/a>/div>div styletext-align: justify;>a hrefhttp://www.iba.org.in/HRD.asp>span stylefont-family: "verdana" , sans-serif;>http://www.iba.org.in/HRD.asp/span>/a>/div>div styletext-align: justify;>a hrefhttp://www.canarabank.com/english/bank-services/priority-portal/interest-subsidy-educational-loans/>span stylefont-family: "verdana" , sans-serif;>http://www.canarabank.com/english/bank-services/priority-portal/interest-subsidy-educational-loans//span>/a>/div>div styletext-align: justify;>br />/div>div styletext-align: justify;>b stylecolor: #222222; font-family: Verdana, sans-serif;>Status of the Interest Subsidy/b>/div>/div>div styletext-align: justify;>span stylefont-family: "verdana" , sans-serif;>br />/span>/div>div styletext-align: justify;>span stylefont-family: "verdana" , sans-serif;>The eligible students may verify the status of their interest subsidy through the links given below. /span>/div>div styletext-align: justify;>span stylefont-family: "verdana" , sans-serif;>br />/span>/div>div stylebackground-color: white; color: #222222; text-align: justify;>span stylefont-family: "verdana" , sans-serif;>For enquiry regarding CSIS Subsidy claims made up to 2013-14:/span>/div>div stylebackground-color: white; color: #222222;>div styletext-align: justify;>span stylefont-family: "verdana" , sans-serif;>a hrefhttps://canarabankcsis.in/CSIS_Old_Data_Enquiry/ stylecolor: #1155cc; target_blank>span styletext-decoration-line: none;>https://canarabankcsis.in/CSIS_Old_Data_Enquiry/span>//a>span stylecolor: #1f497d;>/span>/span>/div>div styletext-align: justify;>br />/div>div styletext-align: justify;>span stylecolor: black;>span stylefont-family: "verdana" , sans-serif;>For enquiry regarding CSIS Subsidy claims made after 2013-14:/span>/span>/div>div styletext-align: justify;>span stylefont-family: "verdana" , sans-serif;>a hrefhttps://canarabankcsis.in/SubsidyEnquiry/SubsidyEnquiry.aspx stylecolor: #1155cc; target_blank>span stylecolor: black;>/span>span langEN-IN stylecolor: #1b05bb;>span styletext-decoration-line: none;>https://canarabankcsis.in/SubsidyEnquiry/SubsidyEnquiry.aspx/span>/span>/a>a hrefhttps://epayment.canarabank.in/MHRD/CSISACDetails.aspx stylecolor: #1155cc; target_blank>/a>/span>/div>div styletext-align: justify;>br />/div>div styletext-align: justify;>span stylefont-family: "verdana" , sans-serif;>b>Students can claim damages and compensation/b>/span>/div>div styletext-align: justify;>br />/div>div styletext-align: justify;>span stylefont-family: "verdana" , sans-serif;>Now, no claim can be submitted upto FY 2016-17. If the Banks have failed to submit the claims fully or partially or failed to inform the students about the subsidy procedures, they can approach District Consumer Forum and file a complaint against the Branch and the Managing Director of the Bank claiming damages and compensation. This is a simple and cost effective legal process. Students can visit District Consumer Forum personally and meet the officials and take guidance. Or they can approach their advocate./span>/div>div styletext-align: justify;>span stylefont-family: "verdana" , sans-serif;>br />/span>/div>div styletext-align: justify;>span stylefont-family: "verdana" , sans-serif;>If the Government has not settled 100% subsidy, the students can file case against the Bank and Government of India in the High Court./span>/div>div styletext-align: justify;>span stylefont-family: "verdana" , sans-serif;>br />/span>/div>div styletext-align: justify;>span stylefont-family: "verdana" , sans-serif;>They can also file a complaint against the Bank with the Banking Ombudsman./span>/div>div styletext-align: justify;>span stylefont-family: "verdana" , sans-serif;>br />/span>/div>div styletext-align: justify;>span stylefont-family: "verdana" , sans-serif;>Details are given in this link to get legal remedies:/span>/div>div styletext-align: justify;>br />/div>div styletext-align: justify;>a hrefhttp://www.eltf.in/2017/08/legal-remedies-available-to-students.html stylecolor: #1155cc; font-family: Verdana, sans-serif; target_blank>http://www.eltf.in/2017/08/legal-remedies-available-to-students.html/a>span stylefont-family: "verdana" , sans-serif;> /span>br />span stylefont-family: "verdana" , sans-serif;>br />/span>span stylefont-family: "verdana" , sans-serif;>Not withstanding the deficiency of services by Banks or Government, students can not stop the repayment of the loan. As per IBA Scheme, repayment can be done in 180 months with telescopic repayment schedule. The students are advised to follow the repayment schedule and seek legal remedy for the interest subsidy problems. /span>/div>div styletext-align: justify;>br />/div>div styletext-align: justify;>span stylefont-family: "verdana" , sans-serif;>- By K. Srinivasan, Convenor, ELTF/span>/div>/div>div styletext-align: justify;>span stylefont-family: "verdana" , sans-serif;>br />/span>/div>div styletext-align: justify;>span stylefont-family: "verdana" , sans-serif;>br />/span>/div>/div>script typetext/javascript>createSummaryAndThumb(summary6864505459493999083);/script>/p>div classreadmore>a hrefhttp://www.eltf.in/2018/01/how-to-handle-when-banks-did-not-claim.html>Read More/a>/div>div styleclear: both;>/div>/div>div classpost-footer>div classpost-footer-line post-footer-line-1>/div>div classpost-footer-line post-footer-line-2>/div>div classpost-footer-line post-footer-line-3>/div>/div>/div>/div>h2 classdate-header>Wednesday, September 27, 2017/h2>div classwrapfullpost>div classpost hentry>a name3085766730173719828>/a>h3 classpost-title entry-title>a hrefhttp://www.eltf.in/2017/09/sbi-not-credited-534-crores-of-interest.html>SBI not credited 534 crores of interest subsidy to Education Loan borrowers, after receiving from Government - Needs CBI enquiry/a>/h3>div classpost-header-line-1>/div>div classpostmeta-primary>span classmeta_date>11:23 AM/span> span classmeta_categories>a hrefhttp://www.eltf.in/search/label/problems reltag>problems/a>/span> span classmeta_comments>a hrefhttp://www.eltf.in/2017/09/sbi-not-credited-534-crores-of-interest.html#comment-form onclick>No comments/a>/span>/div>div classpost-body entry-content>p>div idsummary3085766730173719828>br />div classseparator styleclear: both; text-align: center;>a hrefhttps://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhkabk6h1HmUERYMBRyL_iYvZoGCNFglGZfM3K3XtQCaGj0UWJS3fpHHzW7rm9RtBMCADdvJU74V7Up1zjeQkIQeY4YOyIdsy0G65OMWCiMLXpa1V-_3uAlNC9DbnmqwL0Wwo4cvUtmhyqr/s1600/TOI+story+24092017+jpeg.jpg imageanchor1 stylemargin-left: 1em; margin-right: 1em;>img border0 data-original-height1600 data-original-width1477 height640 srchttps://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhkabk6h1HmUERYMBRyL_iYvZoGCNFglGZfM3K3XtQCaGj0UWJS3fpHHzW7rm9RtBMCADdvJU74V7Up1zjeQkIQeY4YOyIdsy0G65OMWCiMLXpa1V-_3uAlNC9DbnmqwL0Wwo4cvUtmhyqr/s640/TOI+story+24092017+jpeg.jpg width590 />/a>/div>div classseparator styleclear: both; text-align: justify;>br />/div>div stylebackground-color: white; color: #222222; text-align: justify;>span stylefont-family: "verdana" , sans-serif;>26 Sep 2017/span>/div>div stylebackground-color: white; color: #222222; text-align: justify;>span stylefont-family: "verdana" , sans-serif;>br />/span>/div>div stylebackground-color: white; color: #222222; text-align: justify;>span stylefont-family: "verdana" , sans-serif;>This is the mail sent to Central Vigilance commissioner, Delhi under copy to Ministry of Finance and Ministry of Human Resources Development. /span>/div>div stylebackground-color: white; color: #222222; text-align: justify;>span stylefont-family: "verdana" , sans-serif;>br />/span>/div>div stylebackground-color: white; color: #222222; text-align: justify;>span stylefont-family: "verdana" , sans-serif;>Dear Sirs/span>/div>div stylebackground-color: white; color: #222222; text-align: justify;>span stylefont-family: "verdana" , sans-serif;>br />/span>/div>div stylebackground-color: white; color: #222222; text-align: justify;>span stylefont-family: "verdana" , sans-serif;>During the 7 years period between 2009 and 2016, State Bank of India has not credited Rs.534 crores of Education Loan Interest Subsidy received from Government of India, to the eligible student borrowers. They have denied legitimate subsidy to eligible poor students. It is also understood that SBI has not returned the amount to the Government also. If this happens at individual level, this will be called misappropriation leading to criminal offense./span>/div>div stylebackground-color: white; color: #222222; text-align: justify;>span stylefont-family: "verdana" , sans-serif;>br />/span>/div>div stylebackground-color: white; color: #222222; text-align: justify;>span stylefont-family: "verdana" , sans-serif;>Times of India, Chennai edition has carried a front page story on 24th September 2017. We attach herewith the pdf version of the story. The story can be read in the following link also./span>/div>div stylebackground-color: white; color: #222222; text-align: justify;>span stylefont-family: "verdana" , sans-serif;>br />/span>/div>div stylebackground-color: white; color: #222222; text-align: justify;>span stylefont-family: "verdana" , sans-serif;>a data-saferedirecturlhttps://www.google.com/url?hlen&qhttp://epaperbeta.timesofindia.com/Article.aspx?eid%3D31807%26articlexml%3DRs-534cr-SBI-edu-loan-subsidy-fails-to-24092017001060%23&sourcegmail&ust1506577190155000&usgAFQjCNEXSBKidEswRMbyL9pj6GJ3gT2p_A hrefhttp://epaperbeta.timesofindia.com/Article.aspx?eid31807&articlexmlRs-534cr-SBI-edu-loan-subsidy-fails-to-24092017001060# stylecolor: #1155cc; target_blank>http://epaperbeta.timesofindiawbr>/wbr>.com/Article.aspx?eid31807&wbr>/wbr>articlexmlRs-534cr-SBI-edu-wbr>/wbr>loan-subsidy-fails-to-24092017wbr>/wbr>001060#/a>/span>/div>div stylebackground-color: white; color: #222222; text-align: justify;>span stylefont-family: "verdana" , sans-serif;>br />/span>/div>div stylebackground-color: white; color: #222222; text-align: justify;>span stylefont-family: "verdana" , sans-serif;>This is only a tip of the iceberg. There may be similar misappropriations in other banks also denying legitimate subsidy to eligible poor education loan borrowers. In view of this, Education Loan Task Force (ELTF) requests Central Vigilance Commissioner (CVC) and Ministry of HRD to consider the following:/span>/div>div stylebackground-color: white; color: #222222; text-align: justify;>span stylefont-family: "verdana" , sans-serif;>br />/span>/div>div stylebackground-color: white; color: #222222; text-align: justify;>span stylefont-family: "verdana" , sans-serif;>1. CBI enquiry may be ordered to investigate as to why State Bank of India did not credit the eligible subsidy to the borrowers over a period of 7 years and how the money was appropriated. The Senior Executives responsible for such lapses should be prosecuted for misappropriating the Subsidy amount. /span>/div>div stylebackground-color: white; color: #222222; text-align: justify;>span stylefont-family: "verdana" , sans-serif;>br />/span>/div>div stylebackground-color: white; color: #222222; text-align: justify;>span stylefont-family: "verdana" , sans-serif;>2. Investigate all the Banks for such lapses to find out whether the entire subsidy amount received from the Government is credited to the beneficiaries./span>/div>div stylebackground-color: white; color: #222222; text-align: justify;>span stylefont-family: "verdana" , sans-serif;>br />/span>/div>div stylebackground-color: white; color: #222222; text-align: justify;>span stylefont-family: "verdana" , sans-serif;>3. CAG may be requested to audit all the interest subsidy accounts of all the borrowers in the banks and suitable action may be initiated against the officials for any lapses. (CAG has authority to audit any institution which receives Subsidy from the State or Central Government)/span>/div>div stylebackground-color: white; color: #222222; text-align: justify;>span stylefont-family: "verdana" , sans-serif;>br />/span>/div>div stylebackground-color: white; color: #222222; text-align: justify;>span stylefont-family: "verdana" , sans-serif;>Yours faithfully/span>/div>div stylebackground-color: white; color: #222222; text-align: justify;>span stylefont-family: "verdana" , sans-serif;>br />/span>/div>div stylebackground-color: white; color: #222222; text-align: justify;>span stylefont-family: "verdana" , sans-serif;>K. Srinivasan/span>/div>div stylebackground-color: white; color: #222222; text-align: justify;>span stylefont-family: "verdana" , sans-serif;>Convenor, ELTF/span>/div>div styletext-align: justify;>span stylefont-family: "verdana" , sans-serif;>br />/span>/div>div styletext-align: justify;>br />/div>/div>script typetext/javascript>createSummaryAndThumb(summary3085766730173719828);/script>/p>div classreadmore>a hrefhttp://www.eltf.in/2017/09/sbi-not-credited-534-crores-of-interest.html>Read More/a>/div>div styleclear: both;>/div>/div>div classpost-footer>div classpost-footer-line post-footer-line-1>/div>div classpost-footer-line post-footer-line-2>/div>div classpost-footer-line post-footer-line-3>/div>/div>/div>/div>h2 classdate-header>Thursday, August 31, 2017/h2>div classwrapfullpost>div classpost hentry>a name8730459728359040316>/a>h3 classpost-title entry-title>a hrefhttp://www.eltf.in/2017/08/legal-remedies-available-to-students.html>Legal Remedies available to students through District Consumer Forum / District Courts / High Court/a>/h3>div classpost-header-line-1>/div>div classpostmeta-primary>span classmeta_date>2:31 PM/span> span classmeta_categories>a hrefhttp://www.eltf.in/search/label/Insensitivity%20of%20banks reltag>Insensitivity of banks/a>, a hrefhttp://www.eltf.in/search/label/problems reltag>problems/a>/span> span classmeta_comments>a hrefhttp://www.eltf.in/2017/08/legal-remedies-available-to-students.html#comment-form onclick>No comments/a>/span>/div>div classpost-body entry-content>p>div idsummary8730459728359040316>div classseparator styleclear: both; text-align: center;>a hrefhttps://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiv0lZ8jAR8J3gtZceJs5hc2wtcL8fuE13tTXmuw0pvQZhq0OyXGTK1S3iyu5PqC4JoLUyW2yEj8wJsChJWIuX2d39pA9a214HIOH7VXF9azHaRnw-NgIfP4wVOnbqtQr6YRTKoOhoVkA8t/s1600/consumer+protection.jpg imageanchor1 stylemargin-left: 1em; margin-right: 1em;>img border0 data-original-height200 data-original-width300 height426 srchttps://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiv0lZ8jAR8J3gtZceJs5hc2wtcL8fuE13tTXmuw0pvQZhq0OyXGTK1S3iyu5PqC4JoLUyW2yEj8wJsChJWIuX2d39pA9a214HIOH7VXF9azHaRnw-NgIfP4wVOnbqtQr6YRTKoOhoVkA8t/s640/consumer+protection.jpg width640 />/a>/div>div styletext-align: justify;>span stylefont-family: Verdana, sans-serif;>br />/span>/div>div styletext-align: justify;>span stylefont-family: Verdana, sans-serif;>(Shri Jagannath Badrinath, Advocate, Madras High Court writes on the legal remedies available for students, when they find deficiency of service from the Banks.)/span>/div>div styletext-align: justify;>span stylefont-family: Verdana, sans-serif;>br />/span>/div>div classauto-style37 styleline-height: 150%; margin-bottom: .0001pt; margin: 0in; text-align: justify;>u>span stylefont-family: Verdana, sans-serif;>THE FOLLOWING ARE THE LEGALREMEDIES AVAILABLE TO THE STUDENTS – o:p>/o:p>/span>/u>/div>div classauto-style37 styleline-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l3 level1 lfo3; text-align: justify; text-indent: -.25in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>1.span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->The District ConsumerForum as a Consumer – if there is a case where the bank has committed anydeficiency of service and negligence prima facie on part of the Bank.o:p>/o:p>/span>/div>div classauto-style37 styleline-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l3 level1 lfo3; text-align: justify; text-indent: -.25in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>2.span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->The District MunsifCourt or Local District Courts as a Plaintiff – if there is a prima facie casethere is a breach of contract and negligence and a case for damages can befiled in the local District Munsif Court or District Courto:p>/o:p>/span>/div>div styleborder-bottom: solid windowtext 1.0pt; border: none; margin-left: .25in; margin-right: 0in; mso-border-bottom-alt: solid windowtext .75pt; mso-element: para-border-div; padding: 0in 0in 1.0pt 0in;>div classauto-style37 styleborder: none; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in; mso-border-bottom-alt: solid windowtext .75pt; mso-list: l3 level1 lfo3; mso-padding-alt: 0in 0in 1.0pt 0in; padding: 0in; text-align: justify; text-indent: -.25in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>3.span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->The High Court – As anormal citizen to enforce the legal rights as guaranteed under Article 226 ofthe Constitution of India against the Banko:p>/o:p>/span>/div>/div>div classMsoNormal styleline-height: 150%; text-align: justify;>span stylefont-family: Verdana, sans-serif;>u>span styleline-height: 150%;>AN OVERVIEWABOUT CONSUMER PROTECTION/span>/u>span styleline-height: 150%;>:-o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 150%; text-align: justify;>span styleline-height: 150%;>span stylefont-family: Verdana, sans-serif;>(EXTRACTED FROM THE CONSUMER PROTECTION WEBSITE)o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 150%; text-align: justify;>span styleline-height: 150%;>span stylefont-family: Verdana, sans-serif;>The Consumer Protection Act, 1986 (In short,‘The Act’) is a benevolentsocial legislation that lays down the rights of the consumers and providestheir for promotion and protection of the rights of the consumers. The firstand the only Act of its kind in India, it has enabled ordinary consumers tosecure less expensive and often speedy redressal of their grievances. Byspelling out the rights and remedies of the consumers in a market so fardominated by organized manufacturers and traders of goods and providers ofvarious types of services, the Act makes the dictum, caveat emptor (‘BuyerBeware’) a thing of the past. To provide inexpensive, speedy and summaryredressal of consumer disputes, quasi-judicial bodies have been set up in eachDistrict and State and at the National level, called the District Forums, theState Consumer Disputes Redressal Commissions and the National ConsumerDisputes Redressal Commission respectively. At present, there are 629 DistrictForums and 35 State Commissions with the National Consumer Disputes RedressalCommission (NCDRC) at the apex. NCDRC has its office at Upbhokta Naya Bhawan,F Block, GPO Complex, INA, New Delhi-110 023. Each District Forum is headedby a person who is or has been or is eligible to be appointed as a DistrictJudge and each State Commission is headed by a person who is or has been aJudge of High Court. The provisions of this Act cover ‘goods’ as well as‘services’. The goods are those which are manufactured or produced and sold toconsumers through wholesalers and retailers. The services are in the nature oftransport, telephone, electricity, housing, banking, insurance, medicaltreatment, etc. A written complaint, can be filed before the District ConsumerForum for pecuniary value of upto Rupees twenty lakh, State Commission forvalue upto Rupees one crore and the National Commission for value above Rupeesone crore, in respect of defects in goods and or deficiency in service. Theservice can be of any description and the illustrations given above are onlyindicative. However, no complaint can be filed for alleged deficiency in anyservice that is rendered free of charge or under a contract of personalservice. The remedy under the Consumer Protection Act is an alternative inaddition to that already available to the aggrieved persons/consumers by way ofcivil suit. In the complaint/appeal/petition submitted under the Act, aconsumer is not required to pay any court fees but only a nominal fee. ConsumerFora proceedings are summary in nature. The endeavor is made to grant relief tothe aggrieved consumer as quickly as in the quickest possible, keeping in mindthe provisions of the Act which lay down time schedule for disposal of cases. o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 150%; text-align: justify;>span stylefont-family: Verdana, sans-serif;>span styleline-height: 150%;>If a consumer is not satisfied by the decision of a DistrictForum, he can appeal to the State Commission. Against the order of the State Commissiona consumer can come to the National Commission./span>span styleline-height: 150%;>Functioning of District Forum, State Commission and NationalCommission is consumer friendly, and thus a consumer can file a complaint andalso address arguments in person. In genuine cases where the complainant/appellant/ petitioner before the National Commission is unable to engage theservices of an advocate legal aid is provided by the Commission free of charge.o:p>/o:p>/span>/span>/div>div classauto-style37 styleline-height: 150%; margin-bottom: .0001pt; margin: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>RIGHTS OF THE CONSUMERS:- o:p>/o:p>/span>/div>table border0 cellpadding0 cellspacing0 classMsoNormalTable stylebackground: white; text-align: justify; width: 100%px;> tbody>tr> td stylepadding: 2.35pt 0in 0in 0in; valigntop> div classMsoNormal styleline-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in;>span stylefont-family: Verdana, sans-serif;>b>span styleline-height: 150%;>Right to Safety/span>/b>span styleline-height: 150%;>br /> Means right to be protected against the marketing of goods and services, which are hazardous to life and property. The purchased goods and services availed of should not only meet their immediate needs, but also fulfill long term interests. Before purchasing, consumers should insist on the quality of the products as well as on the guarantee of the products and services. They should preferably purchase quality marked products such as ISI, AGMARK, etco:p>/o:p>/span>/span>/div>/td> /tr>tr> td stylepadding: 2.35pt 0in 0in 0in; valigntop> div classMsoNormal styleline-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in;>span stylefont-family: Verdana, sans-serif;>b>span styleline-height: 150%;>Right to be Informed/span>/b>span styleline-height: 150%;>br /> Means right to be informed about the quality, quantity, potency, purity, standard and price of goods so as to protect the consumer against unfair trade practices. Consumer should insist on getting all the information about the product or service before making a choice or a decision. This will enable him to act wisely and responsibly and also enable him to desist from falling prey to high pressure selling techniques.o:p>/o:p>/span>/span>/div>/td> /tr>tr> td stylepadding: 2.35pt 0in 0in 0in; valigntop> div classMsoNormal styleline-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in;>span stylefont-family: Verdana, sans-serif;>b>span styleline-height: 150%;>Right to Choose/span>/b>span styleline-height: 150%;>br /> Means right to be assured, wherever possible of access to variety of goods and services at competitive price. In case of monopolies, it means right to be assured of satisfactory quality and service at a fair price. It also includes right to basic goods and services. This is because unrestricted right of the minority to choose can mean a denial for the majority of its fair share. This right can be better exercised in a competitive market where a variety of goods are available at competitive priceso:p>/o:p>/span>/span>/div>/td> /tr>tr> td stylepadding: 2.35pt 0in 0in 0in; valigntop> div classMsoNormal styleline-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in;>span stylefont-family: Verdana, sans-serif;>b>span styleline-height: 150%;>Right to be Heard/span>/b>span styleline-height: 150%;>br /> Means that consumers interests will receive due consideration at appropriate forums. It also includes right to be represented in various forums formed to consider the consumers welfare. The Consumers should form non-political and non-commercial consumer organizations which can be given representation in various committees formed by the Government and other bodies in matters relating to consumerso:p>/o:p>/span>/span>/div>/td> /tr>tr> td stylepadding: 2.35pt 0in 0in 0in; valigntop> div classMsoNormal styleline-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in;>span stylefont-family: Verdana, sans-serif;>b>span styleline-height: 150%;>Right to Seek Redressal/span>/b>span styleline-height: 150%;>br /> Means right to seek redressal against unfair trade practices or unscrupulous exploitation of consumers. It also includes right to fair settlement of the genuine grievances of the consumer. Consumers must make complaint for their genuine grievances. Many a times their complaint may be of small value but its impact on the society as a whole may be very large. They can also take the help of consumer organisations in seeking redressal of their grievances.o:p>/o:p>/span>/span>/div>/td> /tr>tr> td stylepadding: 2.35pt 0in 0in 0in; valigntop> div classMsoNormal styleline-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in;>span stylefont-family: Verdana, sans-serif;>b>span styleline-height: 150%;>Right to Consumer Education/span>/b>span styleline-height: 150%;>br /> Means the right to acquire the knowledge and skill to be an informed consumer throughout life. Ignorance of consumers, particularly of rural consumers, is mainly responsible for their exploitation. They should know their rights and must exercise them. Only then real consumer protection can be achieved with success.o:p>/o:p>/span>/span>/div>/td> /tr>/tbody>/table>div classauto-style37 styleline-height: 150%; margin-bottom: .0001pt; margin: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>IN THE CONSUMER FORUM:-o:p>/o:p>/span>/div>table border0 cellpadding0 cellspacing0 classMsoNormalTable stylebackground: white; text-align: justify; width: 100%px;> tbody>tr> td stylepadding: 0in 0in 0in 0in;> div classMsoNormal styleline-height: 15.0pt; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>To provide simple, speedy and inexpensive redressal of consumer disputes, the CPA envisages a 3-tier quasi-judicial machinery at the National, State and District levels.o:p>/o:p>/span>/div>ol start1 type1>li classMsoNormal styleline-height: 15pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>National Consumer Dispute Redressal Commission, known as b>National Commission/b>, deals with complaints involving costs and compensation higher than Rs. One Crore.o:p>/o:p>/span>/li>li classMsoNormal styleline-height: 15pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>State Consumer Dispute Redressal Commission, known as b>State Commission/b>, deals with complaints involving costs and compensation higher than Rs. Twenty Lakh and less than Rs. One Crore.o:p>/o:p>/span>/li>li classMsoNormal styleline-height: 15pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>District Consumer Dispute Redressal Forum, known as b>District Forum/b>, deals with complaints involving costs and compensation less than Rs. Twenty Lakh.o:p>/o:p>/span>/li>/ol>div classMsoNormal styleline-height: 15.0pt; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>Consumers can file different types of complaints depending on their specific grievance by visiting the Consumer Court at the district, state or national level along with the documents required for filing the complaint. Following is a list of documents that the prospective complainants need to carry with them to the Consumer Court at the time of filing the complaint.o:p>/o:p>/span>/div>/td> /tr>tr> td stylepadding: 0in 0in 0in 0in;>/td> /tr>/tbody>/table>div classauto-style37 styleline-height: 150%; margin: 0in 0in 0.0001pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>The basic, quick, fast and effective remedy is before theDistrict Consumer Form for Negligence of the Bank – span stylebackground: white;>Following is a list of documents that the prospective complainants needto carry with them to/span>span stylebackground: white; line-height: 150%;> theConsumer Court at the time of filing the complaint/span>o:p>/o:p>/span>/div>div classMsoNormal stylebackground: white; line-height: 15.0pt; margin-left: .5in; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-align: justify; text-indent: -.25in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>1.span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->FEE FORMAKING COMPLAINANT,IF REQUIRED(KINDLY CONTACT LOCAL DISTRICT CONSUMER FORUM TOCHECK WITH THE RESPECTIVE DISTRICT CONSUMER FORUMS AND STATE COMMISSIONSPERTAININNG TO THE NAME IN WHICH IT HAS TO BE GIVEN)o:p>/o:p>/span>/div>div classMsoNormal stylebackground: white; line-height: 15.0pt; margin-left: .5in; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-align: justify; text-indent: -.25in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>2.span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->COMPLAINTWITH AFFIDAVITo:p>/o:p>/span>/div>div classMsoNormal stylebackground: white; line-height: 15.0pt; margin-left: .5in; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-align: justify; text-indent: -.25in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>3.span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->SUPPORTINGDOCUMENTS IN FAVOUR OF THE COMPLAINT E.G. RECEIPT, VOUCHER ETC.o:p>/o:p>/span>/div>div classMsoNormal stylebackground: white; line-height: 15.0pt; margin-left: .5in; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-align: justify; text-indent: -.25in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>4.span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->LIMITATIONS,IF ANY (2 YEARS FROM CAUSE OF ACTION)o:p>/o:p>/span>/div>div stylebackground: white; border-bottom: solid windowtext 1.0pt; border: none; margin-left: .25in; margin-right: 0in; mso-border-bottom-alt: solid windowtext .75pt; mso-element: para-border-div; padding: 0in 0in 1.0pt 0in;>div classMsoNormal stylebackground-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: none; line-height: 15pt; margin-left: 0.25in; padding: 0in; text-align: justify; text-indent: -0.25in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>5.span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->INDEXo:p>/o:p>/span>/div>/div>div classauto-style37 styleline-height: 150%; margin-bottom: .0001pt; margin: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>CHECKING AND TRACKING YOUR CONSUMERCASE CAN BE DONE IN THE FOLLOWING WEBSITE:- o:p>/o:p>/span>/div>div classauto-style37 styleline-height: 150%; margin-bottom: .0001pt; margin: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>a hrefhttp://cms.nic.in/ncdrcusersWeb/login.do?methodcaseStatus>http://cms.nic.in/ncdrcusersWeb/login.do?methodcaseStatus/a> o:p>/o:p>/span>/div>div classauto-style37 styleline-height: 150%; margin-bottom: .0001pt; margin: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>TRACKING THROUGH SMS:- o:p>/o:p>/span>/div>table border0 cellpadding0 cellspacing0 classMsoNormalTable stylebackground: white; text-align: justify; width: 100%px;> tbody>tr> td styleborder-bottom: solid #333333 1.5pt; border: none; padding: 0in 0in 3.75pt 0in; valigntop>/td> /tr>tr> td stylepadding: 0in 0in 0in 0in;> div classMsoNormal styleline-height: 18.75pt; margin-bottom: .0001pt; margin-bottom: 0in;>span stylefont-family: Verdana, sans-serif;>Now you can get case status through SMS even if you dont have internet connection. The PULL SMS service allows you to request for and receive information about Next Hearing Date of the cases filled in NCDRC/State Commission/District Consumer Forum by sending SMS through your mobile.o:p>/o:p>/span>/div>/td> /tr>tr> td stylepadding: 0in 0in 0in 0in;>/td> /tr>tr> td stylepadding: 0in 0in 0in 0in;> div classMsoNormal styleline-height: 15.0pt; margin-bottom: .0001pt; margin-bottom: 0in;>span stylefont-family: Verdana, sans-serif;>Instruction for Pull SMS service:o:p>/o:p>/span>/div>/td> /tr>tr> td stylepadding: 0in 0in 0in 0in;> div classMsoNormal styleline-height: 18.75pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;>span stylefont-family: Verdana, sans-serif;>To get the information about the case, send SMS to b>7738299899/b> in the following formatbr /> b>span stylecolor: #009f00;>CONFONET StateID/DistrictID/Case Number/span>/b>br /> Case number should be case sensitive and match exactly as provided by consumer forum.br /> b>Note:-/b> For sending SMS, Charges will be applicaple as per your mobile network provider policy.o:p>/o:p>/span>/div>div classMsoNormal styleline-height: 18.75pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;>span stylefont-family: Verdana, sans-serif;>For example 1- If your case number is b>RP/1/2014/b> and filed at b>NCDRC/b>, then send SMSbr /> b>span stylecolor: #009f00;>CONFONET 0/0/RP/1/2014/span>/b>o:p>/o:p>/span>/div>div classMsoNormal styleline-height: 18.75pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;>span stylefont-family: Verdana, sans-serif;>For example 2- If your case number is b>FA/1/2014/b> and filied at b>State Commission, Andhra Pradesh/b> the send SMSbr /> b>span stylecolor: #009f00;>CONFONET 16/0/FA/1/2014/span>/b>o:p>/o:p>/span>/div>div classMsoNormal styleline-height: 18.75pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;>span stylefont-family: Verdana, sans-serif;>For example 3- If your case number is b>CC/1/2014/b> and filied at b>Guntur, Andhra Pradesh/b> the send SMS b>span stylecolor: #009f00;>CONFONET 16/512/CC/1/2014/span>/b>o:p>/o:p>/span>/div>/td> /tr>/tbody>/table>div styleborder-bottom: solid windowtext 1.0pt; border: none; mso-border-bottom-alt: solid windowtext .75pt; mso-element: para-border-div; padding: 0in 0in 1.0pt 0in;>div classauto-style37 styleborder: none; line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-border-bottom-alt: solid windowtext .75pt; mso-padding-alt: 0in 0in 1.0pt 0in; padding: 0in; text-align: justify;>br />/div>/div>div classauto-style37 styleline-height: 150%; margin-bottom: .0001pt; margin: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>UPDATION THROUGH SMS AND EMAIL:- o:p>/o:p>/span>/div>table border0 cellpadding0 cellspacing0 classMsoNormalTable stylebackground: white; text-align: justify; width: 100%px;> tbody>tr> td stylepadding: 0in 0in 0in 0in;>/td> /tr>tr> td styleborder-bottom: solid #333333 1.0pt; border: none; padding: 0in 0in 2.35pt 0in;> div classMsoNormal stylemargin-bottom: .0001pt; margin-bottom: 0in; mso-line-height-alt: 9.35pt; text-align: justify;>span stylecolor: #10250a;>span stylefont-family: Verdana, sans-serif;>Auto SMS/E-mailo:p>/o:p>/span>/span>/div>/td> /tr>tr> td stylepadding: 0in 0in 0in 0in;> div classMsoNormal stylemargin-bottom: .0001pt; margin-bottom: 0in; mso-line-height-alt: 9.35pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>!--if gte vml 1>v:shapetype id_x0000_t75 coordsize21600,21600 o:spt75 o:preferrelativet pathm@4@5l@4@11@9@11@9@5xe filledf strokedf> v:stroke joinstylemiter/> v:formulas> v:f eqnif lineDrawn pixelLineWidth 0/> v:f eqnsum @0 1 0/> v:f eqnsum 0 0 @1/> v:f eqnprod @2 1 2/> v:f eqnprod @3 21600 pixelWidth/> v:f eqnprod @3 21600 pixelHeight/> v:f eqnsum @0 0 1/> v:f eqnprod @6 1 2/> v:f eqnprod @7 21600 pixelWidth/> v:f eqnsum @8 21600 0/> v:f eqnprod @7 21600 pixelHeight/> v:f eqnsum @10 21600 0/> /v:formulas> v:path o:extrusionokf gradientshapeokt o:connecttyperect/> o:lock v:extedit aspectratiot/> /v:shapetype>v:shape idPicture_x0020_1 o:spid_x0000_i1026 type#_x0000_t75 alticon stylewidth:3.75pt;height:3.75pt;visibility:visible; mso-wrap-style:square> v:imagedata srcfile:///C:\Users\User\AppData\Local\Temp\msohtmlclip1\01\clip_image001.gif o:titleicon/> /v:shape>!endif-->!--if !vml-->img alticon border0 height5 srcfile:///C:/Users/User/AppData/Local/Temp/msohtmlclip1/01/clip_image001.gif v:shapesPicture_x0020_1 width5 />!--endif--> Whenever your case gets new date the complainant, respondent and respective advocates will get an alert SMS from the confonet application subject to the availability of the contact details consumer have provided to the consumer forum.o:p>/o:p>/span>/div>div classMsoNormal stylemso-line-height-alt: 9.35pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;>span stylefont-family: Verdana, sans-serif;>!--if gte vml 1>v:shape idPicture_x0020_2 o:spid_x0000_i1025 type#_x0000_t75 alticon stylewidth:3.75pt; height:3.75pt;visibility:visible;mso-wrap-style:square> v:imagedata srcfile:///C:\Users\User\AppData\Local\Temp\msohtmlclip1\01\clip_image001.gif o:titleicon/> /v:shape>!endif-->!--if !vml-->img alticon border0 height5 srcfile:///C:/Users/User/AppData/Local/Temp/msohtmlclip1/01/clip_image001.gif v:shapesPicture_x0020_2 width5 />!--endif--> Whenever the your case gets new date the complainant, respondent and respective advocates will receive the order through E-mail from the confonet application subject to the availability of the email details consumer have provided to the consumer forum.o:p>/o:p>/span>/div>div classMsoNormal stylemso-line-height-alt: 9.35pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;>span stylefont-family: Verdana, sans-serif;>Consumers are requested to provide updated email id and contact details to the consumer forum while filing the case.o:p>/o:p>/span>/div>/td> /tr>/tbody>/table>div styleborder-bottom: solid windowtext 1.0pt; border: none; mso-border-bottom-alt: solid windowtext .75pt; mso-element: para-border-div; padding: 0in 0in 1.0pt 0in;>div classauto-style37 styleborder: none; line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-border-bottom-alt: solid windowtext .75pt; mso-padding-alt: 0in 0in 1.0pt 0in; padding: 0in; text-align: justify;>br />/div>/div>div classMsoNormal styleline-height: 18pt; margin-right: 30pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>b>u>span stylebackground: white;>Consumer Protection Act :- KEY HIGHLIGHTS/span>/u>/b>u>span stylebackground: white;>o:p>/o:p>/span>/u>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 30pt; margin-right: 30pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>b>span stylebackground: white; color: maroon;>Definition of Consumer underthe Act:/span>/b>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 30pt; margin-right: 30pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>span stylebackground: white;>A person who buys any goods orservices for a consideration which has been paid or promised or partly paid andpartly promised or under any system of deferred payment is a Consumer./span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 30pt; margin-right: 30pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>b>span stylebackground: white;>Note:/span>/b>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 30pt; margin-right: 30pt; text-align: justify;>span stylebackground: white;>span stylefont-family: Verdana, sans-serif;>A person who obtains such goodsfor resale or for any commercial purposes will not be a consumer. However, ifsuch goods are bought by a person exclusively for the purpose of earning hislivelihood by means of self-employment then such a person will be considered asa consumer.o:p>/o:p>/span>/span>/div>div styleborder-bottom: solid windowtext 1.0pt; border: none; margin-left: 30.0pt; margin-right: 30.0pt; mso-border-bottom-alt: solid windowtext .75pt; mso-element: para-border-div; padding: 0in 0in 1.0pt 0in;>div classMsoNormal styleborder: none; line-height: 18pt; padding: 0in; text-align: justify;>span stylebackground: white;>span stylefont-family: Verdana, sans-serif;>IN THE PRESENT CASE, THE CONSUMER IS THE STUDENTWHO HAS TAKEN THE EDUCATIONAL LOAN AND THE BANK (INDUSTRY) IS THE ONE WHICH HASBEEN NEGLIGENT AND DEFICIENT IN THEIR SERVICES WHILE DEALING WITH THEEDUCATIONAL LOAN.o:p>/o:p>/span>/span>/div>/div>div classMsoNormal styleline-height: 18pt; margin-right: 30pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>b>span stylebackground: white; color: maroon;>What are the functions of the Consumer Clubs inschools / colleges?/span>/b>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 30pt; margin-right: 30pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>span stylebackground: white;>Consumer Clubs have to beactivated through some structured activities. Active Consumer Clubs may gobeyond this and also take up innovative activities. The following basicstructure of functioning is recommended:/span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>Monthly meetings anddemonstrations for one hour after school hours on the First Thursday of eachmonth. Each month a topic / activity may be scheduled as in the model calender./span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>Days of National andInternational importance to consumers may be celebrated in the School /College. Poster / Speech / Essay competitions can be organised at school levelby the Consumer Club./span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>Field visits to local markets /Consumer Courts and door to door campaign in the local community etc., may beorganized for atleast 4 days in a year. It can be done on Saturdays by priorarrangement./span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>Minutes of each activity haveto be recorded by the Student and Teacher Co-ordinator jointly to document./span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div styleborder-bottom: solid windowtext 1.0pt; border: none; margin-left: 66.0pt; margin-right: 30.0pt; mso-border-bottom-alt: solid windowtext .75pt; mso-element: para-border-div; padding: 0in 0in 1.0pt 0in;>div classMsoNormal styleborder: none; line-height: 18pt; padding: 0in; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>A Consumer Club notice boardshall be opened to be updated daily by the teach and students with consumerrelated news./span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>/div>div classMsoNormal styleline-height: 18pt; margin-left: 30pt; margin-right: 30pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>b>span stylebackground: white; color: maroon;>What are the steps to be takenby the consumers against defectiveness?/span>/b>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 30pt; margin-right: 30pt; text-align: justify;>span stylebackground: white;>span stylefont-family: Verdana, sans-serif;>On noticing the defectivenessof the commodity / service provided the consumer has to approach the concernedCommercial / Government organisation requesting for rectification / change ofcommodity / return back of money, in writing. (with acknowledgement) If theconcerned organisation failed to take appropriate action, the DistrictCollector shall legally initiate action.o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 30pt; margin-right: 30pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>b>span stylebackground: white; color: maroon;>Who can make complaint?/span>/b>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>A consumer as defined underConsumer Protection Act, 1986/span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>A registered Voluntary ConsumerAssociation/span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>Central Government/span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>State Government / UnionTerritory/span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>one or more consumersrepresenting numerous consumers having the same interest./span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 30pt; margin-right: 30pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>b>span stylebackground: white; color: maroon;>When the complaints can bemade?/span>/b>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 30pt; margin-right: 30pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>span stylebackground: white;>A complaint may be made inwriting under the following circumstances:/span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>Loss or damage is caused to theconsumer due to unfair trade practice of a trader./span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>If the article purchased by aconsumer is defective./span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>If the services availed of by aconsumer suffer from any deficiency./span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>When the price paid by aconsumer is in excess of the price displayed on the goods or when the price isin excess of the price fixed under any law in force./span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>Goods, which will be hazardousto life and safety, when used are being offered for sale to the public incontravention of the provisions of any law./span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 30pt; margin-right: 30pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>b>span stylebackground: white; color: maroon;>What is District ConsumerProtection Council?/span>/b>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 30pt; margin-right: 30pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>span stylebackground: white;>District Consumer ProtectionCouncil is the council constituted under Consumer Protection Act, 1986 for eachdistrict. District Collector acts as its Chairman, District Supply and ConsumerProtection Officer as Member-Secretary, and all the M.P.s, M.L.A.s andofficials of all Government Departments having Consumer interface of theConcerned District as members along with the VCOs functioning in the District.This Council shall meet twice in a year as per Consumer Protection Act, 1986. Representationsgiven by the VCOs during the meetings./span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 30pt; margin-right: 30pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>b>span stylebackground: white; color: maroon;>Where complaints can beregistered?/span>/b>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div styletext-align: center;>table border1 cellpadding0 cellspacing1 classMsoNormalTable styleborder: 1pt outset black; text-align: justify; width: 80%px;> tbody>tr> td styleborder: inset black 1.0pt; mso-border-alt: inset black .75pt; padding: .75pt .75pt .75pt .75pt; width: 50.0%; valigntop width50%> div classMsoNormal styleline-height: 18.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;>span stylefont-family: Verdana, sans-serif;>District Consumer Protection Councilo:p>/o:p>/span>/div>/td> td styleborder: inset black 1.0pt; mso-border-alt: inset black .75pt; padding: .75pt .75pt .75pt .75pt; width: 50.0%; valigntop width50%> div classMsoNormal styleline-height: 18.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;>span stylefont-family: Verdana, sans-serif;>Action will be initiated legally through the Department concerned on the petitions regarding the defects filed before this Council which function under the chairmanship of the District Collectoro:p>/o:p>/span>/div>/td> /tr>tr> td colspan2 styleborder: inset black 1.0pt; mso-border-alt: inset black .75pt; padding: .75pt .75pt .75pt .75pt; valigntop> div classMsoNormal styleline-height: 18.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;>span stylefont-family: Verdana, sans-serif;>Price of the commodity or value of the services and value of compensation claimedo:p>/o:p>/span>/div>/td> /tr>tr> td styleborder: inset black 1.0pt; mso-border-alt: inset black .75pt; padding: .75pt .75pt .75pt .75pt; width: 50.0%; width50%> div classMsoNormal styleline-height: 18.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;>span stylefont-family: Verdana, sans-serif;>District Consumer Forumo:p>/o:p>/span>/div>/td> td styleborder: inset black 1.0pt; mso-border-alt: inset black .75pt; padding: .75pt .75pt .75pt .75pt; width: 50.0%; width50%> div classMsoNormal styleline-height: 18.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;>span stylefont-family: Verdana, sans-serif;>for a claim of Compensation upto Rs.20 lakhso:p>/o:p>/span>/div>/td> /tr>tr> td styleborder: inset black 1.0pt; mso-border-alt: inset black .75pt; padding: .75pt .75pt .75pt .75pt; width: 50.0%; width50%> div classMsoNormal styleline-height: 18.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;>span stylefont-family: Verdana, sans-serif;>State Commissiono:p>/o:p>/span>/div>/td> td styleborder: inset black 1.0pt; mso-border-alt: inset black .75pt; padding: .75pt .75pt .75pt .75pt; width: 50.0%; width50%> div classMsoNormal styleline-height: 18.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;>span stylefont-family: Verdana, sans-serif;>for a claim of Compensation above Rs.20 lakhs and upto to Rs.1 croreo:p>/o:p>/span>/div>/td> /tr>tr> td styleborder: inset black 1.0pt; mso-border-alt: inset black .75pt; padding: .75pt .75pt .75pt .75pt; width: 50.0%; width50%> div classMsoNormal styleline-height: 18.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;>span stylefont-family: Verdana, sans-serif;>National Commissiono:p>/o:p>/span>/div>/td> td styleborder: inset black 1.0pt; mso-border-alt: inset black .75pt; padding: .75pt .75pt .75pt .75pt; width: 50.0%; width50%> div classMsoNormal styleline-height: 18.0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;>span stylefont-family: Verdana, sans-serif;>for a claim of Compensation above Rs.1 croreo:p>/o:p>/span>/div>/td> /tr>/tbody>/table>/div>div classMsoNormal styleline-height: 18pt; margin-right: 30pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>b>span stylebackground: white; color: maroon;>How to register the complaints?/span>/b>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>Complaint can be registeredwithin 2 years from the date on which the cause of action has arisen./span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>Stamp paper is not required fordeclaration/span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>.Complaint can be registered,in person, by the complainant or through his authorised agent or by postaddressed to the Redressal Agency./span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>Lawyers are not necessary./span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 30pt; margin-right: 30pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>b>span stylebackground: white; color: maroon;>What are the particulars thatshould be furnished along with the complaint?/span>/b>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 30pt; margin-right: 30pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>span stylebackground: white;>The complaint should containthe following particulars: /span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>The name and complete addressof the complainant/span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>The name and complete addressof the opposite party/parties/span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>Date of purchase goods orservices availed /span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>Amount paid for the abovepurpose/span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>Particulars of goods purchaseswith numbers or details of services availed/span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>The details of complaint,whether it is against Unfair Trade Practice / supply of defective goods /deficiency in service provided / collection of excess price, should explicitlybe mentioned in the complaint petition./span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>Bills / receipts and copies ofconnected correspondence, if any,/span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>The relief sought for underthis Act./span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 30pt; margin-right: 30pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>b>span stylebackground: white; color: maroon;>What are the relief providedunder the Act:/span>/b>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 30pt; margin-right: 30pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>span stylebackground: white;>The District Forum / StateCommission can order the following reliefs:/span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>To remove the defects in thegoods pointed out./span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>To replace the goods./span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>To return to the complainantthe price of the goods/span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>To pay such amount ofcompensation for the loss or injury suffered by the consumer./span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>To remove the defects ordeficiency in the services/span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>To discontinue the unfair tradepractice or not to repeat it/span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>To withdraw the hazardous goodsfrom being offered for sale/span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>To provide the cost ofexpenditure incurred by the complainant/span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 30pt; margin-right: 30pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>b>span stylebackground: white; color: maroon;>What is the appeal provision?/span>/b>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>Aggrieved by the orders issuedby the District Consumer Redressal Forum appeal petition may be filed beforeState Consumer Dispute Redressal Commission within 30 days from the date ofreceipt of orders/span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>Aggrieved by the orders issuedby the State Consumer Dispute Redressal Commission appeal petition may be filedbefore National Consumer Dispute Redressal Commission within 30 days from thedate of receipt of orders./span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>Aggrieved by the orders issuedby the National Consumer Dispute Redressal Commission appeal petition may befiled before Supreme Court of India within 30 days from the date of receipt oforders/span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>No fee is charged forregistering an appeal petition before State / National Consumer DisputeRedressal Commissions./span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>The appeal petition has to befiled with the grounds for appeal with copies of orders of the lower redressalagencies and registering procedures are same as is being done in the case ofregistering complaint./span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 30pt; margin-right: 30pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>b>span stylebackground: white; color: maroon;>What are the Rights ofConsumers as stipulated under Consumer Protection Act 1986./span>/b>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 30pt; margin-right: 30pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>span stylebackground: white;>Consumer is having the rightsas indicated below: /span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 30pt; margin-right: 30pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>span stylebackground: white;>1. Right to Safety/span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 30pt; margin-right: 30pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>span stylebackground: white;>2. Right to be Informed/span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 30pt; margin-right: 30pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>span stylebackground: white;>3. Right to Choose/span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 30pt; margin-right: 30pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>span stylebackground: white;>4. Right to be heard/span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 30pt; margin-right: 30pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>span stylebackground: white;>5. Right to seek Redressal/span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 30pt; margin-right: 30pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>span stylebackground: white;>6. Right to Consumer Education/span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 30pt; margin-right: 30pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>span stylebackground: white;>Based on the amendments to theUN guidelines, more rights have emerged/span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 30pt; margin-right: 30pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>span stylebackground: white;>7. Right to Basic needs/span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 30pt; margin-right: 30pt; text-align: justify;>span stylebackground: white;>span stylefont-family: Verdana, sans-serif;>8. Right to a healthenvironmento:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 30pt; margin-right: 30pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>b>span stylebackground: white; color: maroon;>Where to obtain furtherdetails regarding Consumer Protection:/span>/b>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>Through website inwww.fcamin.nic.in, www.core.nic.in/span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 18pt; margin-left: 66pt; margin-right: 30pt; text-align: justify; text-indent: 0in;>!--if !supportLists-->span stylefont-family: Verdana, sans-serif;>·span stylefont-stretch: normal; font-variant-numeric: normal; line-height: normal;> /span>!--endif-->span stylebackground: white;>You may contact your DistrictCollector and the Chairman, District Consumer Protection Council and also theVoluntary Consumer Organisation of locality with valid reputation/span>span styledisplay: none;>Bottom of Form/span>span stylebackground: white;>o:p>/o:p>/span>/span>/div>div styleborder-bottom: solid windowtext 1.0pt; border: none; mso-border-bottom-alt: solid windowtext .75pt; mso-element: para-border-div; padding: 0in 0in 1.0pt 0in;>div classMsoNormal styleborder: none; line-height: normal; margin: 6pt 0in 0.0001pt; padding: 0in; text-align: justify;>br />/div>/div>div classMsoNormal styleline-height: normal; margin: 6pt 0in 0.0001pt; text-align: justify;>b>span stylefont-family: Verdana, sans-serif;>DISTRICT CONSUMER FORUM FEES:- o:p>/o:p>/span>/b>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 36.7pt; margin-right: 0in; margin-top: 6.0pt; text-align: justify; text-indent: -36.7pt;>span stylefont-family: Verdana, sans-serif;>b>br />9A. /b>b> /b>b>Fee for making complaints before District Forum/b>b> /b>- (1) Every complaint filed under sub-section(1) of section 12, sub-section (1) of section 17 and clause (a) in sub-clause (i) of section 21 of the Act shall be accompaniedby a fee as specified in the table given below in the form of crossed DemandDraft drawn on a nationalised bank or through a crossed Indian Postal Order drawn in favour of the Registrar of the State Commission andpayable at the respective place where the State Commission or the NationalCommission is situated.o:p>/o:p>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 55.95pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -18.9pt;>span stylefont-family: Verdana, sans-serif;>(2) The concerned authority referred to in sub-rule(1) shall credit the amount of fee received by it into the Consumer WelfareFund of the respective State and where such fund is not established into theReceipt Account of the State Government and in the case of the NationalCommission, to the Consumer Welfare Fund of the Central Government.o:p>/o:p>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>br />/div>div classMsoNormal styleline-height: normal; margin-bottom: 0.0001pt; text-align: center;>br />/div>div classMsoNormal styleline-height: normal; margin-bottom: 0.0001pt; text-align: center;>br />/div>div classMsoNormal styleline-height: normal; margin-bottom: 0.0001pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>TABLEo:p>/o:p>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: 0.0001pt; text-align: center;>br />/div>div styletext-align: center;>table border0 cellpadding0 cellspacing0 classMsoNormalTable styleborder-collapse: collapse; text-align: justify; width: 580px;> tbody>tr> td styleborder: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 31.35pt; width42> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;>span stylefont-family: Verdana, sans-serif;>b>Sl. No./b>o:p>/o:p>/span>/div>/td> td styleborder-left: none; border: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 322.4pt; width430> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;>span stylefont-family: Verdana, sans-serif;>b>Total Value of goods or services and the compensation claimed/b>o:p>/o:p>/span>/div>/td> td styleborder-left: none; border: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.25pt; width108> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;>span stylefont-family: Verdana, sans-serif;>b>Amount of fee payable/b>o:p>/o:p>/span>/div>/td> /tr>tr> td styleborder-top: none; border: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 31.35pt; valigntop width42> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;>span stylefont-family: Verdana, sans-serif;>(1)o:p>/o:p>/span>/div>/td> td styleborder-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 322.4pt; valigntop width430> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;>span stylefont-family: Verdana, sans-serif;>(2)o:p>/o:p>/span>/div>/td> td styleborder-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 81.25pt; valigntop width108> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;>span stylefont-family: Verdana, sans-serif;>(3)o:p>/o:p>/span>/div>/td> /tr>tr> td styleborder-top: none; border: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 31.35pt; valigntop width42> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>br />/div>/td> td styleborder-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 322.4pt; valigntop width430> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-outline-level: 1; page-break-after: avoid; text-align: justify;>span stylefont-family: Verdana, sans-serif;>b>District Forum/b>b>o:p>/o:p>/b>/span>/div>/td> td styleborder-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 81.25pt; valigntop width108> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>br />/div>/td> /tr>tr> td styleborder-top: none; border: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 31.35pt; valigntop width42> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>(1)o:p>/o:p>/span>/div>/td> td styleborder-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 322.4pt; valigntop width430> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>Upto one lakh rupees – For complainants who are under the Below Poverty Line holding Antyodaya Anna Yojana Cardso:p>/o:p>/span>/div>/td> td styleborder-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 81.25pt; valigntop width108> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;>span stylefont-family: Verdana, sans-serif;>Nilo:p>/o:p>/span>/div>/td> /tr>tr> td styleborder-top: none; border: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 31.35pt; valigntop width42> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>(2)o:p>/o:p>/span>/div>/td> td styleborder-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 322.4pt; valigntop width430> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>Upto one lakh rupees – For complainants other than AntyodayaAnna Yojana card holders.o:p>/o:p>/span>/div>/td> td styleborder-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 81.25pt; valigntop width108> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;>span stylefont-family: Verdana, sans-serif;>Rs.100o:p>/o:p>/span>/div>/td> /tr>tr> td styleborder-top: none; border: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 31.35pt; valigntop width42> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>(3)o:p>/o:p>/span>/div>/td> td styleborder-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 322.4pt; valigntop width430> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>Above one lakh and upto five lakh rupeeso:p>/o:p>/span>/div>/td> td styleborder-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 81.25pt; valigntop width108> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;>span stylefont-family: Verdana, sans-serif;>Rs.200o:p>/o:p>/span>/div>/td> /tr>tr> td styleborder-top: none; border: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 31.35pt; valigntop width42> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>(4)o:p>/o:p>/span>/div>/td> td styleborder-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 322.4pt; valigntop width430> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>Above five lakh and upto ten lakh rupeeso:p>/o:p>/span>/div>/td> td styleborder-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 81.25pt; valigntop width108> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;>span stylefont-family: Verdana, sans-serif;>Rs.400o:p>/o:p>/span>/div>/td> /tr>tr> td styleborder-top: none; border: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 31.35pt; valigntop width42> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>(5)o:p>/o:p>/span>/div>/td> td styleborder-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 322.4pt; valigntop width430> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>Above ten lakh and upto twenty lakh rupeeso:p>/o:p>/span>/div>/td> td styleborder-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 81.25pt; valigntop width108> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;>span stylefont-family: Verdana, sans-serif;>Rs.500o:p>/o:p>/span>/div>/td> /tr>tr> td styleborder-top: none; border: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 31.35pt; valigntop width42> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>br />/div>/td> td styleborder-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 322.4pt; valigntop width430> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-outline-level: 1; page-break-after: avoid; text-align: justify;>span stylefont-family: Verdana, sans-serif;>b>State Commission/b>b>o:p>/o:p>/b>/span>/div>/td> td styleborder-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 81.25pt; valigntop width108> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;>br />/div>/td> /tr>tr> td styleborder-top: none; border: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 31.35pt; valigntop width42> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>(6)o:p>/o:p>/span>/div>/td> td styleborder-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 322.4pt; valigntop width430> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>Above twenty lakh and upto fifty lakh rupeeso:p>/o:p>/span>/div>/td> td styleborder-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 81.25pt; valigntop width108> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;>span stylefont-family: Verdana, sans-serif;>Rs.2000o:p>/o:p>/span>/div>/td> /tr>tr> td styleborder-top: none; border: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 31.35pt; valigntop width42> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>(7)o:p>/o:p>/span>/div>/td> td styleborder-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 322.4pt; valigntop width430> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>Above fifty lakh and upto one crore rupeeso:p>/o:p>/span>/div>/td> td styleborder-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 81.25pt; valigntop width108> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;>span stylefont-family: Verdana, sans-serif;>Rs.4000o:p>/o:p>/span>/div>/td> /tr>tr> td styleborder-top: none; border: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 31.35pt; valigntop width42> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>br />/div>/td> td styleborder-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 322.4pt; valigntop width430> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-outline-level: 1; page-break-after: avoid; text-align: justify;>span stylefont-family: Verdana, sans-serif;>b>National Commission/b>b>o:p>/o:p>/b>/span>/div>/td> td styleborder-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 81.25pt; valigntop width108> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;>br />/div>/td> /tr>tr> td styleborder-top: none; border: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 31.35pt; valigntop width42> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>(8)o:p>/o:p>/span>/div>/td> td styleborder-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 322.4pt; valigntop width430> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>Above one crore rupeeso:p>/o:p>/span>/div>/td> td styleborder-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 81.25pt; valigntop width108> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;>span stylefont-family: Verdana, sans-serif;>Rs.5000o:p>/o:p>/span>/div>/td> /tr>/tbody>/table>/div>div classMsoNormal styleline-height: normal; margin-bottom: 0.0001pt; text-align: center;>br />/div>div classMsoNormal styleline-height: normal; margin-bottom: 0.0001pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>TABLEo:p>/o:p>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>br />/div>div styletext-align: center;>table border0 cellpadding0 cellspacing0 classMsoNormalTable styleborder-collapse: collapse; text-align: justify; width: 580px;> tbody>tr> td styleborder: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.0pt; width43> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;>span stylefont-family: Verdana, sans-serif;>b>Sl. No./b>o:p>/o:p>/span>/div>/td> td styleborder-left: none; border: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 321.75pt; width429> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-outline-level: 2; page-break-after: avoid; text-align: center;>b>span stylefont-family: Verdana, sans-serif;>Value of goods or services ando:p>/o:p>/span>/b>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;>span stylefont-family: Verdana, sans-serif;>b>the compensation claimed/b>o:p>/o:p>/span>/div>/td> td styleborder-left: none; border: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.25pt; width108> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;>span stylefont-family: Verdana, sans-serif;>b>Amount of fee payable/b>o:p>/o:p>/span>/div>/td> /tr>tr> td styleborder-top: none; border: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.0pt; valigntop width43> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;>span stylefont-family: Verdana, sans-serif;>(1)o:p>/o:p>/span>/div>/td> td styleborder-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 321.75pt; valigntop width429> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;>span stylefont-family: Verdana, sans-serif;>(2)o:p>/o:p>/span>/div>/td> td styleborder-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 81.25pt; valigntop width108> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;>span stylefont-family: Verdana, sans-serif;>(3)o:p>/o:p>/span>/div>/td> /tr>tr> td styleborder-top: none; border: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.0pt; valigntop width43> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>br />/div>/td> td styleborder-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 321.75pt; valigntop width429> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-outline-level: 1; page-break-after: avoid; text-align: justify;>span stylefont-family: Verdana, sans-serif;>b>District Forum/b>b>o:p>/o:p>/b>/span>/div>/td> td styleborder-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 81.25pt; valigntop width108> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>br />/div>/td> /tr>tr> td styleborder-top: none; border: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.0pt; valigntop width43> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>(1)o:p>/o:p>/span>/div>/td> td styleborder-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 321.75pt; valigntop width429> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>(1) Upto one lakh rupeeso:p>/o:p>/span>/div>/td> td styleborder-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 81.25pt; valigntop width108> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;>span stylefont-family: Verdana, sans-serif;>Rs.100o:p>/o:p>/span>/div>/td> /tr>tr> td styleborder-top: none; border: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.0pt; valigntop width43> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>(2)o:p>/o:p>/span>/div>/td> td styleborder-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 321.75pt; valigntop width429> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>One lakh rupees and above but less than five lakh rupeeso:p>/o:p>/span>/div>/td> td styleborder-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 81.25pt; valigntop width108> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;>span stylefont-family: Verdana, sans-serif;>Rs.200o:p>/o:p>/span>/div>/td> /tr>tr> td styleborder-top: none; border: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.0pt; valigntop width43> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>(3)o:p>/o:p>/span>/div>/td> td styleborder-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 321.75pt; valigntop width429> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>Five lakh rupees and above but less than Rs.10 lakho:p>/o:p>/span>/div>/td> td styleborder-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 81.25pt; valigntop width108> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;>span stylefont-family: Verdana, sans-serif;>Rs.400o:p>/o:p>/span>/div>/td> /tr>tr> td styleborder-top: none; border: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.0pt; valigntop width43> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>(4)o:p>/o:p>/span>/div>/td> td styleborder-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 321.75pt; valigntop width429> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>Ten lakh rupees and above but not exceeding twenty lakh rupeeso:p>/o:p>/span>/div>/td> td styleborder-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 81.25pt; valigntop width108> div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;>span stylefont-family: Verdana, sans-serif;>Rs.500o:p>/o:p>/span>/div>/td> /tr>/tbody>/table>/div>div classMsoNormal styleline-height: normal; margin-bottom: 0.0001pt; text-align: justify;>br />/div>div styleborder-bottom: solid windowtext 1.0pt; border: none; margin-left: 37.05pt; margin-right: 0in; mso-border-bottom-alt: solid windowtext .75pt; mso-element: para-border-div; padding: 0in 0in 1.0pt 0in;>div classMsoNormal styleborder: none; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 17.1pt; margin-right: 0in; margin-top: 0in; mso-border-bottom-alt: solid windowtext .75pt; mso-padding-alt: 0in 0in 1.0pt 0in; padding: 0in; text-align: justify; text-indent: -17.1pt;>span stylefont-family: Verdana, sans-serif;>(3) The complainants who areunder the Below Poverty Line shall be entitled for the exemption of payment offee only on production of an attested copy of the Antyodaya Anna Yojana cards.o:p>/o:p>/span>/div>/div>div classMsoNormal styleline-height: normal; margin: 6pt 0in 0.0001pt 36.7pt; text-align: justify; text-indent: -36.7pt;>b>span stylefont-family: Verdana, sans-serif;>PROCEDURE AS CONTEMPLATED IN THE CONSUMERPROTECTION ACT,1986:-o:p>/o:p>/span>/b>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 36.7pt; margin-right: 0in; margin-top: 6.0pt; text-indent: -36.7pt;>/div>div styletext-align: justify;>span stylefont-family: Verdana, sans-serif; font-weight: bold;>br />/span>/div>span stylefont-family: Verdana, sans-serif;>div styletext-align: justify;>b styletext-indent: -36.7pt;>12. /b>b styletext-indent: -36.7pt;> /b>b styletext-indent: -36.7pt;>Manner in which complaint shall be made.—(/b>span styletext-indent: -36.7pt;>1) A complaint in relation to any goods sold ordelivered or agreed to be sold or delivered or any service provided or agreedto be provided may be filed with a District Forum by –/span>/div>o:p>/o:p>/span>br />div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 72.7pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -.25in;>span stylefont-family: Verdana, sans-serif;>b>i>(a) /i>/b>b>i> /i>/b>b>i>the consumer to whom such goods are sold ordelivered or agreed to be sold or delivered or such service provided or agreedto be provided;/i>/b>o:p>/o:p>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 72.7pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -.25in;>span stylefont-family: Verdana, sans-serif;>b>i>(b) /i>/b>b>i> /i>/b>b>i>any/i>/b>b>i> recognised /i>/b>b>i>consumer association whether the consumer towhom the goods sold or delivered or agreed to be sold or delivered or serviceprovided or agreed to be provided is a member of such association or not;/i>/b>o:p>/o:p>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 72.7pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -.25in;>span stylefont-family: Verdana, sans-serif;>b>i>(c) /i>/b>b>i> /i>/b>b>i>one or more consumers, where there are numerousconsumers having the same interest, with the permission of the District Forum,on behalf of, or for the benefit of, all consumers so interested; or/i>/b>o:p>/o:p>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 54.7pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -.25in;>span stylefont-family: Verdana, sans-serif;>b>i>(d) /i>/b>b>i> the /i>/b>b>i>Central Government or the State Government, as the case may be, either in its individual capacity or as arepresentative of interests of the consumers in general. /i>/b>o:p>/o:p>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 56.65pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -19.95pt;>span stylefont-family: Verdana, sans-serif;>b>i>span langEN-GB>(2) /span>/i>/b>b>i>span langEN-GB> /span>/i>/b>b>i>span langEN-GB>Every complaint filedunder sub-section (1) shall be accompanied with such amount of fee and payablein such manner as may be prescribed./span>/i>/b>o:p>/o:p>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 56.65pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -19.95pt;>span stylefont-family: Verdana, sans-serif;>b>i>(3) /i>/b>b>i> /i>/b>b>i>On receipt of a complaint made under sub-section(1), the District Forum may, by order, allow the complaint to be proceeded withor rejected:/i>/b>o:p>/o:p>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 56.65pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>b>i>Provided that a complaint shall not be rejectedunder this section unless an opportunity of being heard has been given to thecomplainant:/i>/b>o:p>/o:p>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 56.65pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>b>i>Provided further that the admissibility of thecomplaint shall ordinarily be decided within twenty-one days from the date onwhich the complaint was received./i>/b>o:p>/o:p>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 56.65pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -19.95pt;>span stylefont-family: Verdana, sans-serif;>b>i>(4) /i>/b>b>i> /i>/b>b>i>Where a complaint is allowed to beproceeded with under sub-section (3), the District Forum may proceed withthe complaint in the manner provided under this Act:/i>/b>o:p>/o:p>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 56.65pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>b>i>span langEN-GB>Provided that where acomplaint has been admitted by the District Forum, it shall not be transferredto any other court or tribunal or any authority set up by or under any otherlaw for the time being in force./span>/i>/b>o:p>/o:p>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 56.65pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: 16.8pt;>span stylefont-family: Verdana, sans-serif;>b>i>span langEN-GB>Explanation. /span>/i>/b>b>i>span langEN-GB>- For the purposeof this section “recognised consumer association” means any voluntary consumerassociation registered under the Companies Act, 1956 or any other law for thetime being in force”./span>/i>/b>o:p>/o:p>/span>/div>div classMsoNormal styleline-height: normal; margin: 6pt 0in 0.0001pt 37.05pt; text-align: justify; text-indent: -37.05pt;>span stylefont-family: Verdana, sans-serif;>b>i>13. /i>/b>b>i> /i>/b>b>i>Procedure on admission of complaint. — (1) TheDistrict Forum shall, on admission of a complaint, if it relates to anygoods,—/i>/b>o:p>/o:p>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 89.3pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -.25in;>span stylefont-family: Verdana, sans-serif;>b>i>(a)/i>/b> b>i>refer a copy of the admitted complaint, withintwenty-one days from the date of its admission to the opposite party mentionedin the complaint directing him to give his version of the case within a periodof thirty days or such extended period not exceeding fifteen days as may begranted by the District Forum;/i>/b>o:p>/o:p>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 89.3pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -.25in;>span stylefont-family: Verdana, sans-serif;>b>(b)/b>b> /b>b> /b>b>i> /i>/b>b>where the opposite partyon receipt of a complaint referred to him under clause/b>b> /b>b>i>(a)/i>/b>b>i> /i>/b>b>deniesor disputes the allegations contained in the complaint, or omits or fails totake any action to represent his case within the time given by the DistrictForum, the District Forum shall proceed to settle the consumer dispute in themanner specified in clauses (c) to (g);/b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 89.3pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -.25in;>span stylefont-family: Verdana, sans-serif;>b>(c)/b>b> /b>b> /b>b>where the complaint alleges a defect in thegoods which cannot be determined without proper analysis or test of the goods,the District Forum shall obtain a sample of the goods from the complainant,seal it and authenticate it in the manner prescribed and refer the sample sosealed to the appropriate laboratory along with a direction that suchlaboratory make an analysis or test, whichever may be necessary, with a view tofinding out whether such goods suffer from any defect alleged in the complaintor from any other defect and to report its findings thereon to the DistrictForum within a period of forty-five days of the receipt of the reference orwithin such extended period as may be granted by the District Forum;/b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 89.3pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -.25in;>span stylefont-family: Verdana, sans-serif;>b>(d)/b>b> /b>b> /b>b>before any sample of the goods is referred toany appropriate laboratory under clause (c), the District Forum may require thecomplainant to deposit to the credit of the Forum such fees as may bespecified, for payment to the appropriate laboratory for carrying out thenecessary analysis or test in relation to the goods in question;/b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 89.3pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -.25in;>span stylefont-family: Verdana, sans-serif;>b>(e)/b>b> /b>b> /b>b>the District Forum shall remit the amountdeposited to its credit under clause (d) to the appropriate laboratory toenable it to carry out the analysis or test mentioned in clause (c) and onreceipt of the report from the appropriate laboratory, the District Forum shallforward a copy of the report along with such remarks as the District Forum mayfeel appropriate to the opposite party;/b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 89.3pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -.25in;>span stylefont-family: Verdana, sans-serif;>b>(f)/b>b> /b>b> /b>b>if any of the parties disputes the correctnessof the findings of the appropriate laboratory, or disputes the correctness ofthe methods of analysis or test adopted by the appropriate laboratory, theDistrict Forum shall require the opposite party or the complainant to submitin writing his objections in regard to the report made by the appropriatelaboratory;/b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 89.3pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -.25in;>span stylefont-family: Verdana, sans-serif;>b>(g)/b>b> /b>b> /b>b>the District Forum shall thereafter give areasonable opportunity to the complainant as well as the opposite party ofbeing heard as to the correctness or otherwise of the report made by the appropriatelaboratory and also as to the objection made in relation thereto under clause(/) and issue an appropriate order under section 14. /b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 71.25pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -17.1pt;>span stylefont-family: Verdana, sans-serif;>b>i>(2) /i>/b>b>i> /i>/b>b>i>the District Forum shall, if the complaint/i>/b>b>i> /i>/b>b>i>u>admitted/u>/i>/b>b>i> by it under section 12 relates to goodsin respect of which the procedure specified in sub-section (1) cannot befollowed, or if the complaint relates to any services,—/i>/b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 89.25pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -.25in;>span stylefont-family: Verdana, sans-serif;>b>i>(a)/i>/b>b> /b>b> /b>b>refer a copy of such complaint to the oppositeparty directing him to give his version of the case within a period of thirtydays or such extended period not exceeding fifteen days as may be granted bythe District Forum;/b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 89.25pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -.25in;>span stylefont-family: Verdana, sans-serif;>b>i>(b)/i>/b>b> /b>b> /b>b>where the opposite party, on receipt of a copyof the complaint, referred to him under clause/b>b> /b>b>i>(a)/i>/b>b>i> /i>/b>b>deniesor disputes the allegations contained in the complaint, or omits or fails totake any action to represent his case within the time given by the DistrictForum, the District Forum shall proceed to settle the consumer dispute,—/b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 107.25pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -.25in;>span stylefont-family: Verdana, sans-serif;>b>(/b>b>i/b>b>) /b>b> on /b>b>the basis of evidence brought to its notice bythe complainant and the opposite party, where the opposite party denies ordisputes the allegations contained in the complaint, or/b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 107.25pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -.25in;>span stylefont-family: Verdana, sans-serif;>b>i>(ii) /i>/b>b>i> u>ex parte/u> /i>/b>b>i>on the basis of evidence brought to its noticeby the complainant where the opposite party omits or fails to take any actionto represent his case within the time given by the Forum./i>/b>o:p>/o:p>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.25in; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -.25in;>span stylefont-family: Verdana, sans-serif;>b>i>(c) /i>/b>b>i> where /i>/b>b>i>the complainant fails to appear on the date ofhearing before the District Forum, the District Forum may either dismiss thecomplaint for default or decide it on merits./i>/b>o:p>/o:p>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -17.85pt;>span stylefont-family: Verdana, sans-serif;>(3) No proceedings complying with the procedure laid down in subsections 1 and 2 shall be calledin question in any court on the ground that the principles of natural justicehave not been complied with.o:p>/o:p>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -17.85pt;>span stylefont-family: Verdana, sans-serif;>b>i>(3A) Every complaintshall be heard as expeditiously as possible and/i>/b>b>i> endeavour /i>/b>b>i>shall be made to decide the complaint within aperiod of three months from the date of receipt of notice by opposite partywhere the complaint does not require analysis or testing of commodities andwithin five months if it requires analysis or testing of commodities:/i>/b>o:p>/o:p>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 4.0pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>b>i>Provided that no adjournment shall be ordinarilygranted by the District Forum unless sufficient cause is shown and the reasonsfor grant of adjournment have been recorded in writing by the Forum:/i>/b>o:p>/o:p>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 4.0pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>b>i>Provided further thatthe District Forum shall make such orders as to the costs occasioned by theadjournment as may be provided in the regulations made under this Act./i>/b>o:p>/o:p>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 4.0pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>b>i>Provided also that inthe event of a complaint being disposed of after the period so specified,the District Forum shall record in writing, the reasons for the same at thetime of disposing of the said complaint./i>/b> o:p>/o:p>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -17.85pt;>span stylefont-family: Verdana, sans-serif;>(3B) b>Where /b>b>during the/b>b> pendency /b>b>of any proceeding beforethe District Forum, it appears to it necessary, it may pass such interim orderas is just and proper in the facts and circumstances of the case./b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -17.85pt;>span stylefont-family: Verdana, sans-serif;>b>(4) /b>b> /b>b>Forthe purposes of this section, the District Forum shall have the same powers asare vested in a civil court under Code of Civil Procedure, 1908 while trying asuit in respect of the following matters, namely:—/b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin: 4pt 0in 0.0001pt 1.25in; text-align: justify; text-indent: -0.25in;>span stylefont-family: Verdana, sans-serif;>b>(/b>b>i/b>b>) /b>b> the /b>b>summoningand enforcing the attendance of any defendant or witness and examining thewitness on oath;/b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin: 4pt 0in 0.0001pt 1.25in; text-align: justify; text-indent: -0.25in;>span stylefont-family: Verdana, sans-serif;>b>(ii) /b>b> the /b>b>discovery and production of any document orother material object producible as evidence;/b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin: 4pt 0in 0.0001pt 1.25in; text-align: justify; text-indent: -0.25in;>span stylefont-family: Verdana, sans-serif;>b>(iii) /b>b> the /b>b>reception of evidence on affidavits;/b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.25in; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -.25in;>span stylefont-family: Verdana, sans-serif;>b>(iv) /b>b> the /b>b>requisitioningof the report of the concerned analysis or test from the appropriate laboratoryor from any other relevant source;/b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.25in; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -.25in;>span stylefont-family: Verdana, sans-serif;>b>(v) /b>b> /b>b>issuing/b>b> of /b>b>any commission for the examination of anywitness, and/b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.25in; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -.25in;>span stylefont-family: Verdana, sans-serif;>b>(vi) /b>b> any /b>b>othermatter which may be prescribed. /b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -17.85pt;>span stylefont-family: Verdana, sans-serif;>b>(5) /b>b> /b>b>Everyproceeding before the District Forum shall be deemed to be a judicialproceeding within the meaning of sections 193 and 228 of the Indian Code (45 of1860), and the District Forum shall be deemed to be a civil court for thepurposes of section 195, and Chapter XXVI of the Code of Criminal Procedure,1973 (2 of 1974). /b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -17.85pt;>span stylefont-family: Verdana, sans-serif;>b>(6) /b>b> /b>b>Wherethe complainant is a consumer referred to in sub-clause (iv) of clause (b) ofsub-section (1) of section 2, the provisions of rule 8 of Order I of the FirstSchedule to the Code of Civil Procedure, 1908 (5 of 1908) shall apply subjectto the modification that every reference therein to a suit or decree shall beconstrued as a reference to a complaint or the order of the District Forumthereon./b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -17.85pt;>span stylefont-family: Verdana, sans-serif;>b>(7) /b>b> /b>b>Inthe event of death of a complainant who is a consumer or of the opposite partyagainst whom the complaint has been filed, the provisions of Order XXII of theFirst Schedule to the Code of Civil Procedure, 1908 (5 of 1908) shall applysubject to the modification that every reference therein to the plaintiff andthe defendant shall be construed as reference to a complainant or the oppositeparty, as the case may be. /b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 36.7pt; margin-right: 0in; margin-top: 6.0pt; text-align: justify; text-indent: -36.7pt;>span stylefont-family: Verdana, sans-serif;>b>14. /b>b> /b>b>Finding of the District Forum./b>b> /b>b>—(1) If, after the proceeding conducted under section 13, the District Forum issatisfied that the goods complained against suffer from any of the defectsspecified in the complaint or that any of the allegations contained in thecomplaint about the services are proved, it shall issue an order to theopposite party directing him to do one or more of the following things,namely:—/b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 89.25pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -.25in;>span stylefont-family: Verdana, sans-serif;>b>(a)/b>b> /b>b> /b>b>to remove the defect pointed out by theappropriate laboratory from the goods in question;/b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 89.25pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -.25in;>span stylefont-family: Verdana, sans-serif;>b>(b)/b>b> /b>b> /b>b>to replace the goods with new goods of similardescription which shall be free from any defect;/b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 89.25pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -.25in;>span stylefont-family: Verdana, sans-serif;>b>(c)/b>b> /b>b> /b>b>to return to the complainant the price, or, asthe case may be, the charges paid by the complainant;/b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 89.25pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -.25in;>span stylefont-family: Verdana, sans-serif;>b>(d)/b>b> /b>b> /b>b>to /b>b>paysuch amount as may be awarded by it as compensation to the consumer for anyloss or injury suffered by the consumer due to the negligence of the oppositeparty./b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 89.25pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>b>i>Provided that the District Forum shall have thepower to grant punitive damages in such circumstances as it deems fit;/i>/b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 89.25pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -.25in;>span stylefont-family: Verdana, sans-serif;>b>(e)/b>b> /b>b> /b>b>to remove the defects/b>b> /b>b>u>ingoods/u>/b>b>u> /u>/b>b>or deficiencies in the services in question;/b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin: 4pt 0in 0.0001pt 89.25pt; text-align: justify; text-indent: -0.25in;>span stylefont-family: Verdana, sans-serif;>b>(f)/b>b> /b>b> /b>b>to discontinue the unfair trade practice or therestrictive trade practice or not to repeat it;/b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin: 4pt 0in 0.0001pt 89.25pt; text-align: justify; text-indent: -0.25in;>span stylefont-family: Verdana, sans-serif;>b>(g)/b>b> /b>b> /b>b>not to offer the hazardous goods for sale;/b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin: 4pt 0in 0.0001pt 89.25pt; text-align: justify; text-indent: -0.25in;>span stylefont-family: Verdana, sans-serif;>b>(h)/b>b> /b>b> /b>b>to withdraw the hazardous goods from beingoffered for sale;/b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 88.35pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -17.1pt;>span stylefont-family: Verdana, sans-serif;>b>i>(/i>/b>b>i>ha)/i>/b>b>i>to cease manufacture of hazardous goods and todesist from offering services which are hazardous in nature;/i>/b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 88.35pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -17.1pt;>span stylefont-family: Verdana, sans-serif;>b>i>(/i>/b>b>i>hb)/i>/b>b>i>to pay such sum as may be determined by it if itis of the opinion that loss or injury has been suffered by a large number ofconsumers who are not identifiable conveniently:/i>/b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 88.35pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>b>i>Provided that the minimum amount of sum sopayable shall not be less than five per cent./i>/b>b>i> of /i>/b>b>i>the value of such defective goods sold orservice provided, as the case may be, to such consumers:/i>/b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 88.35pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>b>i>Provided further that the amount so obtainedshall be credited in/i>/b>b>i> favour /i>/b>b>i>of such person and utilized in such manner asmay be prescribed;/i>/b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 88.35pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -17.1pt;>span stylefont-family: Verdana, sans-serif;>b>i>(/i>/b>b>i>hc)/i>/b>b>i>to issue corrective advertisement to neutralizethe effect of misleading advertisement at the cost of the opposite partyresponsible for issuing such misleading advertisement;/i>/b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin: 4pt 0in 0.0001pt 1.25in; text-align: justify; text-indent: -0.25in;>span stylefont-family: Verdana, sans-serif;>b>(/b>b>i/b>b>) /b>b> to /b>b>providefor adequate costs to parties. /b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -17.85pt;>span stylefont-family: Verdana, sans-serif;>b>(2) /b>b> /b>b>Everyproceeding referred to in sub-section (1) shall be conducted by the Presidentof the District Forum and at least one member thereof sitting together: /b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 4.0pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>b>i>Provided that where a member, for any reason, isunable to conduct a proceeding till it is completed, the President and theother member shall continue the proceeding from the stage at which it was lastheard by the previous member./i>/b>b> /b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -17.85pt;>span stylefont-family: Verdana, sans-serif;>b>(2A)/b>b> Every /b>b>ordermade by the District Forum under sub-section (1) shall be signed by itsPresident and the member or members who conducted the proceeding:/b>b>o:p>/o:p>/b>/span>/div>div classMsoNormal styleline-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 4.0pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>b>Providedthat where the proceeding is conducted by the President and one member and theydiffer on any point or points, they shall state the point or points on whichthey differ and refer the same to the other member for hearing on such point orpoints and the opinion of the majority shall be the order of the DistrictForum./b>b>o:p>/o:p>/b>/span>/div>div styleborder-bottom: solid windowtext 1.0pt; border: none; margin-left: 54.15pt; margin-right: 0in; mso-border-bottom-alt: solid windowtext .75pt; mso-element: para-border-div; padding: 0in 0in 1.0pt 0in;>div classMsoNormal styleborder: none; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 17.85pt; margin-right: 0in; margin-top: 4.0pt; mso-border-bottom-alt: solid windowtext .75pt; mso-padding-alt: 0in 0in 1.0pt 0in; padding: 0in; text-align: justify; text-indent: -17.85pt;>span stylefont-family: Verdana, sans-serif;>b>(3) /b>b> /b>b>Subject to the foregoing provisions, theprocedure relating to the conduct of the meetings of the District Forum, itssittings and other matters shall be such as may be prescribed by the StateGovernment./b>b>o:p>/o:p>/b>/span>/div>/div>div classMsoNormal styleline-height: 20.4pt; margin-bottom: 0.0001pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>b>u>EFFECTIVE PROCEDURE FOR NOTICE /u>/b>b>u>o:p>/o:p>/u>/b>/span>/div>div classMsoNormal styleline-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 36.7pt; margin-right: 0in; margin-top: 6.0pt; text-align: justify; text-indent: -36.7pt;>span stylefont-family: Verdana, sans-serif;>b>i>span styleline-height: 150%;>28A. Service of notice, etc. - /span>/i>/b>i>span styleline-height: 150%;>(1) All notices requiredby this Act to be served shall be served in the manner hereinafter /span>/i>span styleline-height: 150%;>mentionedin sub-section (2)./span>span styleline-height: 150%;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 54.15pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -17.1pt;>span stylefont-family: Verdana, sans-serif;>span styleline-height: 150%;>(2) The service of notices may be madeby delivering or transmitting a copy thereof by registered post acknowledgmentdue addressed to opposite party against whom complaint is made or to thecomplainant by speed post or by such courier service as are approved by theDistrict Forum, the State Commission or the National Commission, as the casemay be, or by any other means of transmission of documents (including FAXmessage)./span>span styleline-height: 150%;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 54.15pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify; text-indent: -17.1pt;>span stylefont-family: Verdana, sans-serif;>span styleline-height: 150%;>(3) When an acknowledgment or any otherreceipt purporting to be signedbr />by the opposite party or his agent or by the complainant is received by theDistrict Forum, the State Commission or the National Commission, as the casemay be, or postal article containing the notice is received back by suchDistrict Forum, State Commission or the National Commission, with anendorsement purporting to have been made by a postal employee or by any personauthorized by the courier service to the effect that the opposite party or hisagent or complainant had refused to take delivery of the postal articlecontaining the notice or had refused to accept the notice by any other meansspecified in sub- section (2) when tendered or transmitted to him, the DistrictForum or the State Commission or the National Commission, as the case may be,shall declare that the notice had been duly served on the opposite party or tothe complainant :/span>span styleline-height: 150%;>o:p>/o:p>/span>/span>/div>div classMsoNormal styleline-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 54.15pt; margin-right: 0in; margin-top: 4.0pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>span styleline-height: 150%;>Providedthat where the notice was properly addressed, pre-paid and duly sent byregistered post acknowledgment due, a declaration referred to in thissub-section shall be made notwithstanding the fact that the acknowledgment hasbeen lost or mislaid, or for any other reason, has not been received by the DistrictForum, the State Commission or the National Commission, as the case may be,within thirty days from the date of issue of notice./span>span styleline-height: 150%;>o:p>/o:p>/span>/span>/div>div styleborder-bottom: solid windowtext 1.0pt; border: none; margin-left: 37.05pt; margin-right: 0in; mso-border-bottom-alt: solid windowtext .75pt; mso-element: para-border-div; padding: 0in 0in 1.0pt 0in;>div classMsoNormal styleborder: none; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 17.1pt; margin-right: 0in; margin-top: 4.0pt; mso-border-bottom-alt: solid windowtext .75pt; mso-padding-alt: 0in 0in 1.0pt 0in; padding: 0in; text-align: justify; text-indent: -17.1pt;>span stylefont-family: Verdana, sans-serif;>span styleline-height: 150%;>(4) Allnotices required to be served on an opposite party or to complainant shall bedeemed to be sufficiently served, if addressed in the case of the oppositeparty to the place where business or profession is carried and in case ofcomplainant, the place where such person actually and voluntarily resides./span>span styleline-height: 150%;>o:p>/o:p>/span>/span>/div>/div>div classMsoNormal styleline-height: 20.4pt; margin-bottom: 0.0001pt; text-align: justify;>b>u>span stylefont-family: Verdana, sans-serif;>HOW TO REGISTER A COMPLAINT BEFORE THE NATIONAL COUNCILo:p>/o:p>/span>/u>/b>/div>div classMsoNormal styleline-height: 20.4pt; margin-bottom: .0001pt; margin-bottom: 0in;>/div>div styletext-align: justify;>span stylefont-family: Verdana, sans-serif;>Consumer Complaint asprovided under Section 21(a)(i) of the Consumer Protection Act, 1986, where thevalue of the goods or services and compensation, if any, claimed, exceedsRupees One Crore is to be filed in with the Registry of this Commission withina period of two years from the date on which the cause of action hasarisen. Complaint can be filled on all working days (Monday to Friday) between10:00 A.M. to 4:30 P.M. at Ground Floor/span>span stylefont-family: Verdana, sans-serif;> /span>u stylefont-family: Verdana, sans-serif;>‘Upbhokta Nyay Bhawan’, ‘F’ Block,General Pool Office Complex, INA, New Delhi-110 023./u>span stylefont-family: Verdana, sans-serif;> /span>span stylefont-family: Verdana, sans-serif;>Consumer Complaint should be signed by thecomplainant and supported by a Notarised attested affidavit with/span>span stylefont-family: Verdana, sans-serif;> /span>u stylefont-family: Verdana, sans-serif;>1+1 sets (withFile cover) /u>span stylefont-family: Verdana, sans-serif;>+ Number of OppositeParties. The Consumer Complaint along with all the copies should be paginatedand duly indexed in the following seriatim:/span>span stylefont-family: Verdana, sans-serif;> /span>/div>span stylefont-family: Verdana, sans-serif;>div styletext-align: justify;>1. Index /div>div styletext-align: justify;>2. List of Dates /div>div styletext-align: justify;>3. Memo of Parties (with fresh complete addresses & telephone no.) /div>div styletext-align: justify;>4. Complaint with Notarised attested affidavit /div>div styletext-align: justify;>5. Supporting documents in favour of complaint e.g. receipt, voucher etc.(All the Annexures must be attested as True Copy on the last page with name& signature) /div>div styletext-align: justify;>6. Application for condonation of delay with Notarised attestedaffidavit, if beyond limitation. u>(2 years from cause of action)/u>/div>div styletext-align: justify;>7. Fee for Rs.5,000/- for making Consumer Complaint (Demand Draftin favour of u>“The Registrar, NCDRC, New Delhi”/u>)/div>o:p>/o:p>/span>br />div classMsoNormal styleline-height: 20.4pt; margin-bottom: 0.0001pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>b>Note:/b>o:p>/o:p>/span>/div>div classMsoNormal styleline-height: 20.4pt; margin-bottom: 0.0001pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>1. The documentsshall be filed in English language only or translated copy of any otherlanguage, duly typed in double space on one side of the paper. If anysupporting documents are not legible the same will not be accepted until clear legible/photocopies are filed.o:p>/o:p>/span>/div>div classMsoNormal styleline-height: 20.4pt; margin-bottom: 0.0001pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>2. If thedocuments are not filed as per in the format mentioned above the same will bereturned to the parties at the counter itself without acknowledgement andwill only be registered after removing the defectso:p>/o:p>/span>/div>div classMsoNormal styleline-height: 20.4pt; margin-bottom: 0.0001pt; text-align: justify;>span stylefont-family: Verdana, sans-serif;>3. After the issueof notice, any documents in a case, the same has to be served on the other sideand 1+1 sets (with File cover) be filed with proof of service. No document willbe accepted unless filed two days (working days) in advance from the date ofhearing.o:p>/o:p>/span>/div>div classMsoNormal styleline-height: 20.4pt; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>4. Henceforth, thereview petition/application for recalling of order will be listed before thebench by way of circulation in chambers.o:p>/o:p>/span>/div>div classMsoNormal styleline-height: 20.4pt; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>5. Thecounsel or the parties appearing in person are filing a common petition /appeal against common order passed by the State Commission in a bunch ofappeals / complaints. It causes inconvenience to the Hon’ble Benches todecide the independent issues pertaining to each matter, such as award ofdifferent amounts to different parties, etc. Hence, the Hon’ble Presidentis pleased to direct the parties / Counsel to file independent or separateappeals/revision petitions, against each appeal/complaint decided by theState Commission in the common order.o:p>/o:p>/span>/div>div classMsoNormal styleline-height: 20.4pt; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>6. No. ofcopies to be filed in the Commission 1+1 sets (with File cover) + Number ofOpposite Parties. o:p>/o:p>/span>/div>div classMsoNormal styleline-height: 20.4pt; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>7. Applicationfor Certified copy of order must be made on Letter Head with signature &Rubber stamp by counsel with a statement that first free certified copyhas not been received either by the party-in-person or their counsel.o:p>/o:p>/span>/div>div styleborder-bottom: solid windowtext 1.0pt; border: none; mso-border-bottom-alt: solid windowtext .75pt; mso-element: para-border-div; padding: 0in 0in 1.0pt 0in;>div classMsoNormal styleborder: none; line-height: 20.4pt; margin-bottom: .0001pt; margin-bottom: 0in; mso-border-bottom-alt: solid windowtext .75pt; mso-padding-alt: 0in 0in 1.0pt 0in; padding: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>8. Duplicate certified copy shall be issued on paymentbasis as per Regulation with a clear endorsement that earlier first freecertified copy was sent by post at the address of the party-in-person or totheir Counsel/Authorized Representative.o:p>/o:p>/span>/div>/div>div classauto-style37 styleline-height: 150%; margin-bottom: .0001pt; margin: 0in; text-align: justify;>br />/div>div classauto-style37 styleline-height: 150%; margin-bottom: .0001pt; margin: 0in; text-align: justify;>br />/div>div classauto-style37 styleline-height: 150%; margin-bottom: .0001pt; margin: 0in; text-align: justify;>br />/div>div classauto-style37 styleline-height: 150%; margin-bottom: .0001pt; margin: 0in; text-align: justify;>br />/div>div classauto-style37 styleline-height: 150%; margin-bottom: .0001pt; margin: 0in; text-align: justify;>u>span stylefont-family: Verdana, sans-serif;>IN THE CIVIL COURT:- o:p>/o:p>/span>/u>/div>div classauto-style37 styleline-height: 150%; margin-bottom: .0001pt; margin: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>In Addition to the above, theAggrieved consumer can also file a civil suit in the nature of an O.S (OriginalSuit) which can be taken up for hearing before the District Munsif Court (DMCIN RURAL AREAS) or City Civil Court (IN CITIES) or before the PrincipalDistrict Court (Depending upon the Pecuniary value of the damages sought)o:p>/o:p>/span>/div>div classauto-style37 styleline-height: 150%; margin-bottom: .0001pt; margin: 0in; text-align: justify;>br />/div>div classauto-style37 styleline-height: 150%; margin-bottom: .0001pt; margin: 0in; text-align: justify;>u>span styleline-height: 150%;>span stylefont-family: Verdana, sans-serif;>INTHE HIGH COURT OF JUDICATURE UNDER ARTICLE 226 OF THE CONSTITUTION OF INDIA :-o:p>/o:p>/span>/span>/u>/div>div classauto-style37 styleline-height: 150%; margin-bottom: .0001pt; margin: 0in; text-align: justify;>br />/div>br />div styleborder-bottom: solid windowtext 1.0pt; border: none; mso-border-bottom-alt: solid windowtext .75pt; mso-element: para-border-div; padding: 0in 0in 1.0pt 0in;>div classauto-style37 styleborder: none; line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-border-bottom-alt: solid windowtext .75pt; mso-padding-alt: 0in 0in 1.0pt 0in; padding: 0in; text-align: justify;>span stylefont-family: Verdana, sans-serif;>Notwithstandinganything stated above, the aggrieved Student can also file a case under Article226 of the Constitution by paying a minimal fee before the Respective HighCourt by making the Respective Bank Head for the circle and also the branchhead as a Respondent while seeking the remedy either as a Mandamus or aCertiorarified Mandamus depending upon the relief, prayer and the circumstancesof the case. This right as a power is enshrined in the Constitution and isconferred to the ordinary citizen if he is aggrieved by the action of theRespondent Bank (Nationalized Banks Only)/span>o:p>/o:p>/div>/div>/div>script typetext/javascript>createSummaryAndThumb(summary8730459728359040316);/script>/p>div classreadmore>a hrefhttp://www.eltf.in/2017/08/legal-remedies-available-to-students.html>Read More/a>/div>div styleclear: both;>/div>/div>div classpost-footer>div classpost-footer-line post-footer-line-1>/div>div classpost-footer-line post-footer-line-2>/div>div classpost-footer-line post-footer-line-3>/div>/div>/div>/div>!--Cant find substitution for tag adEnd-->/div>style typetext/css>#blog-pager-newer-link{background:none repeat scroll 0 0 #fff;border:1px dotted #eee;float:left;padding:4px}#blog-pager-older-link{background:none repeat scroll 0 0 #fff;border:1px dotted #eee;float:right;padding:4px}.home-link {background:none repeat scroll 0 0 #fff;border:1px dotted #eee;padding:4px}#blog-pager{margin:15px 0 0;overflow:hidden;text-align:center}#blog-pager-newer-link a{color:#666;text-decoration:none}#blog-pager-older-link a{color:#666;text-decoration:none}.home-link a{color:#666;text-decoration:none}/style>div classblog-pager idblog-pager>span idblog-pager-older-link>a classblog-pager-older-link hrefhttp://www.eltf.in/search?updated-max2017-08-31T14:31:00%2B05:30&max-results10 idBlog1_blog-pager-older-link titleOlder Posts>Older Posts/a>/span>/div>div classclear>/div>/div>div classwidget HTML data-version1 idHTML6>div classwidget-content>script async src//pagead2.googlesyndication.com/pagead/js/adsbygoogle.js>/script>!-- eltf1 -->ins classadsbygoogle styledisplay:inline-block;width:728px;height:90px data-ad-clientca-pub-3865888796641293 data-ad-slot2468180833>/ins>script>(adsbygoogle window.adsbygoogle || ).push({});/script>/div>div classclear>/div>/div>div classwidget HTML data-version1 idHTML1>h2 classtitle>Table of contents/h2>div classwidget-content>script srchttp://feeds.feedburner.com/action2020eltf?formatsigpro typetext/javascript >/script>noscript>p>Subscribe to RSS headline updates from: a hrefhttp://feeds.feedburner.com/action2020eltf>/a>br />Powered by FeedBurner/p> /noscript>/div>div classclear>/div>/div>div classwidget HTML data-version1 idHTML4>script>var linkwithin_site_id 262771;/script>script srchttp://www.linkwithin.com/widget.js>/script>a hrefhttp://www.linkwithin.com/>img srchttp://www.linkwithin.com/pixel.png altRelated Posts Plugin for WordPress, Blogger... styleborder: 0 />/a>/div>/div>/div>div idrsidebar-wrapper>div classwidget-container>div classsocial-profiles-widget>h3 classwidgettitle>Social Profiles/h3>a hrefhttp://twitter.com/ target_blank>img altTwitter srchttps://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhPwRyHNKiczi0rFOAjgvjRNJoo6ya1YqQp5q2qV39fvCRNpEjOvzDkaRJKGxIoe9Vb47uftrTPzy-ZAdwhAUXIILD_OHJqvZvW8sRgPiqEGSuCsYS46JP_AnE8jVEthb-OeNf7GYsoCTA/s1600/twitter.png titleTwitter/>/a>a hrefhttp://facebook.com/ target_blank>img altFacebook srchttps://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiMrmI_S1oC_8nMAq90b4S4JDj0wxs3zUESF5vrkidycpIA_R7fhAxlU8UIJihGJ5tfyDuWJzUwZycyNhtOsbvJaZb-A5jRTunmP46tmK60wivBCIbECnKyqu2d7vz_kMhlclY4YEDWu6U/s1600/facebook.png titleFacebook/>/a>a hrefhttps://plus.google.com/ target_blank>img altGoogle Plus srchttps://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjd7-2QDnk416I7oQ2Iga1PIRuMpqllbbsvNW3T8KN0_32ZKFfbdLWOev9TfaNhe9ZWkU_T2w4F7ZX2fjJ1rIc1LLCRjLAotFBPKhGpE-L4e7SdkuZwGrW7BszRLi5JetxP0uOM_1P9Ik0/s1600/gplus.png titleGoogle Plus/>/a>a hrefhttp://www.linkedin.com/ target_blank>img altLinkedIn srchttps://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiSPSKgDXhUnA4QBKYWDpmQhstHYetu2wcjXx3ZhRY-RxBLOb5D-dHTb4AG2WlzAuxoOWBp_yuRQ8GQByKv7akZmRiZUAc41LCV1_PrCzapRbrA4NZXzudaOtdzgRj9QhDZbHW6NZs00Is/s1600/linkedin.png titleLinkedIn/>/a>a hrefhttp://www.eltf.in/feeds/posts/default target_blank>img altRSS Feed srchttps://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgGWOEcWetrFyFMCA547YUxWI8lNkkVR9YgPRpxmhV8Aty9cNX1Li9m_6_yTtbQGT2GBKrUetqe4d9HCf8aPfZHXmtz4_pPa-fnziJy3Ed0a5LCxGIzx5g-OfqjRIFHDiRfd_qtHqSdWw4/s1600/rss.png titleRSS Feed/>/a>a hrefmailto:your@email.com target_blank>img altEmail srchttps://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi8N21vwejC8oCCPxmK2TdSAToIc-kKyZhyphenhyphenVwnWPbITmPxDO1alU3Gsa2wx3daXLdozF1CfbG8oqLczzEMPm_3_6CaC9T7bUN3FPVNpR_e6r_I0O1lRrGLqvdKN8SvU3g-5NOSxNPjGGkI/s1600/email.png titleEmail/>/a>/div>/div>div styleclear:both;>/div>div classwidget-container>div idsearch titleType and hit enter>form action/search idsearchform methodget>input ids nameq onblurif (this.value ) {this.value Search;} onfocusif (this.value Search) {this.value ;} typetext valueSearch/>/form>/div>/div>div styleclear:both;>/div>div classwidget-container>div classtabviewsection>script typetext/javascript> jQuery(document).ready(function($){ $(.tabs-widget-content-widget-themater_tabs-1432447472-id).hide(); $(ul.tabs-widget-widget-themater_tabs-1432447472-id li:first a).addClass(tabs-widget-current).show(); $(.tabs-widget-content-widget-themater_tabs-1432447472-id:first).show(); $(ul.tabs-widget-widget-themater_tabs-1432447472-id li a).click(function() { $(ul.tabs-widget-widget-themater_tabs-1432447472-id li a).removeClass(tabs-widget-current a); $(this).addClass(tabs-widget-current); $(.tabs-widget-content-widget-themater_tabs-1432447472-id).hide(); var activeTab $(this).attr(href); $(activeTab).fadeIn(); return false; }); }); /script>ul classtabs-widget tabs-widget-widget-themater_tabs-1432447472-id>li>a href#widget-themater_tabs-1432447472-id1>Popular/a>/li>li>a href#widget-themater_tabs-1432447472-id2>Tags/a>/li>li>a href#widget-themater_tabs-1432447472-id3>Blog Archives/a>/li>/ul>div classtabs-widget-content tabs-widget-content-widget-themater_tabs-1432447472-id idwidget-themater_tabs-1432447472-id1>div classsidebar section idsidebartab1>div classwidget Text data-version1 idText1>h2 classtitle>To contact ELTF/h2>div classwidget-content>p alignjustify>span>If you want to seek any guidance or clarification from ELTF, please send the full details through emailbr />to a hrefmailto:info@cysi.in target_blank>info@eltf.in/a> and action2020eltf@gmail.com/span>/p>p alignjustify>span>Before seeking any guidance from us, please go through the scheme fully, meet the branch manager and the higher authorities. Write to us with full details like name of the branch, bank, when loan application submitted, amount sought, course details, response from the bank officials, etc. We will give guidance.br />/span>/p>p alignjustify>span>ELTF is a voluntary body to give guidance and to create public awareness. We do not undertake to get any loans. If meritorious poor students are harassed, depending on the individual case, we may also directly take up with higher authorities of the bank and RBI for redressal of grievance. Please note that ELTF does not undertake to get loans./span>/p>p alignjustify>span>We do not give any clarification over phone. Please do not try to reach us over phone. Please send only email with full details and contact number./span>/p>/div>div classclear>/div>/div>div classwidget PopularPosts data-version1 idPopularPosts1>h2>Popular Posts/h2>div classwidget-content popular-posts>ul>li>div classitem-content>div classitem-thumbnail>a hrefhttp://www.eltf.in/2018/01/how-to-handle-when-banks-did-not-claim.html target_blank>img alt border0 srchttps://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgfS3ffcPvTv4zfwWajyIU3X9C-GRHtz2MpZjniiHS2lrCWVqJawse3jCuLAg7AwAL-w3fy9z1s6iS-mvOaRsCS09rBqebPu7jdPhrLOpI-kjzrHIPD86Zw-2ipF2gq1uzr5g1GEnaDVHZN/w72-h72-p-k-no-nu/interest+subsidy+not+claimed.jpg/>/a>/div>div classitem-title>a hrefhttp://www.eltf.in/2018/01/how-to-handle-when-banks-did-not-claim.html>How to handle when Banks did not claim interest subsidy on Education loans? - FAQ/a>/div>div classitem-snippet> ELTF has been receiving hundreds of mails from the students seeking our advice on the following two aspects. 1. Banks have not cla.../div>/div>div styleclear: both;>/div>/li>li>div classitem-content>div classitem-thumbnail>a hrefhttp://www.eltf.in/2017/08/legal-remedies-available-to-students.html target_blank>img alt border0 srchttps://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiv0lZ8jAR8J3gtZceJs5hc2wtcL8fuE13tTXmuw0pvQZhq0OyXGTK1S3iyu5PqC4JoLUyW2yEj8wJsChJWIuX2d39pA9a214HIOH7VXF9azHaRnw-NgIfP4wVOnbqtQr6YRTKoOhoVkA8t/w72-h72-p-k-no-nu/consumer+protection.jpg/>/a>/div>div classitem-title>a hrefhttp://www.eltf.in/2017/08/legal-remedies-available-to-students.html>Legal Remedies available to students through District Consumer Forum / District Courts / High Court/a>/div>div classitem-snippet> (Shri Jagannath Badrinath, Advocate, Madras High Court writes on the legal remedies available for students, when they find deficiency o.../div>/div>div styleclear: both;>/div>/li>li>div classitem-content>div classitem-thumbnail>a hrefhttp://www.eltf.in/2018/08/eltf-nominates-kavipriya-as-goodwill-ambassador-to-promote-education-loan.html target_blank>img alt border0 srchttps://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjFtRg_qe1idMY6DVoV8jwuxiX2rEk39MUgRZOZtTLaZJkWYmjuRuVW1oxEiSqTCKnnkz90JzQuhNC3Ia35oPXW3P5YNGpJkZbSRFrTZawlXn2DlMo0txy8NAp0mu3VcQDHPAN7ZmnoKonb/w72-h72-p-k-no-nu/kavipriya4+copy.jpg/>/a>/div>div classitem-title>a hrefhttp://www.eltf.in/2018/08/eltf-nominates-kavipriya-as-goodwill-ambassador-to-promote-education-loan.html>ELTF Nominates Kavipriya as Goodwill Ambassador to Promote Education Loan Awareness/a>/div>div classitem-snippet> Education Loan Task Force (ELTF) has nominated Ms Kavipriya Anandan, a multi-faceted personality as ‘Goodwill Ambassador’ for the A.../div>/div>div styleclear: both;>/div>/li>li>div classitem-content>div classitem-thumbnail>a hrefhttp://www.eltf.in/2018/09/portal-to-claim-interest-subsidy-for-fy.html target_blank>img alt border0 srchttps://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhujmP4KF1-WU6H4ZA1wmhyRwUoZyK498R9Bi0VQLzfPTnrNbB43SMwIcWdR4imjhzwYT70E1CEiC3vMfx0y7NGV2wNR3PGA2Vwt4EcdmUXfZDih8SlGmW1FqhzF2ZcoVLdIeuVCsn1bz12/w72-h72-p-k-no-nu/interest+subsidy+2018.jpg/>/a>/div>div classitem-title>a hrefhttp://www.eltf.in/2018/09/portal-to-claim-interest-subsidy-for-fy.html>Portal to claim Interest Subsidy for FY 2017-18 is open from 1st Sep 2018 till 28th Sep 2018/a>/div>div classitem-snippet> Ministry of HRD has advised Canara Bank to open the Interest Subsidy portal from 1st September 2018 to 28th September 2016 for primary c.../div>/div>div styleclear: both;>/div>/li>li>div classitem-content>div classitem-thumbnail>a hrefhttp://www.eltf.in/2018/06/eltf-submits-petition-to-improve.html target_blank>img alt border0 srchttps://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhjV02uQsAv5I17QunYL3F7ZRIgVAgk_MABefQHPuItF2hr_JsF4dfaXCK1q_VoN3Cw9dbdg8x6js-BeaiOo9XxzYMncu6Vhyphenhyphen9U_dw0VUWl93Dzex5wbqeHOgXbzocdERxvgd_sELuKmpos/w72-h72-p-k-no-nu/presenting+memorandum+to+dr+moily.JPG/>/a>/div>div classitem-title>a hrefhttp://www.eltf.in/2018/06/eltf-submits-petition-to-improve.html>ELTF Submits a Petition to Improve Education Loan Scheme, to Hon’ble Chairman of Finance Committee /a>/div>div classitem-snippet> Prime Point Srinivasan, Publisher & Mg. Editor of PreSense and Convenor of Education Loan Task Force presents a petition to Dr Veerapp.../div>/div>div styleclear: both;>/div>/li>li>div classitem-content>div classitem-thumbnail>a hrefhttp://www.eltf.in/2017/09/sbi-not-credited-534-crores-of-interest.html target_blank>img alt border0 srchttps://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhkabk6h1HmUERYMBRyL_iYvZoGCNFglGZfM3K3XtQCaGj0UWJS3fpHHzW7rm9RtBMCADdvJU74V7Up1zjeQkIQeY4YOyIdsy0G65OMWCiMLXpa1V-_3uAlNC9DbnmqwL0Wwo4cvUtmhyqr/w72-h72-p-k-no-nu/TOI+story+24092017+jpeg.jpg/>/a>/div>div classitem-title>a hrefhttp://www.eltf.in/2017/09/sbi-not-credited-534-crores-of-interest.html>SBI not credited 534 crores of interest subsidy to Education Loan borrowers, after receiving from Government - Needs CBI enquiry/a>/div>div classitem-snippet> 26 Sep 2017 This is the mail sent to Central Vigilance commissioner, Delhi under copy to Ministry of Finance and Ministry of Human.../div>/div>div styleclear: both;>/div>/li>li>div classitem-content>div classitem-thumbnail>a hrefhttp://www.eltf.in/2015/09/clarifications-on-education-loan.html target_blank>img alt border0 srchttps://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiT7ZEwAAOLmIZquSmfMf1amA0P_OfI8u2nvPTPlohB4P7fThsiqlRizf5SpLjld8Y6fybPBG-CKG0r_x2bLaoD4y94ge2LVSAih82CRwW5CZ28T1ourkbPDidsWlMl1v7v0tIL_Ez2uJdo/w72-h72-p-k-no-nu/clarifications+on+csis.jpg/>/a>/div>div classitem-title>a hrefhttp://www.eltf.in/2015/09/clarifications-on-education-loan.html>Clarifications on Education Loan Interest Subsidy Scheme (CSIS)/a>/div>div classitem-snippet> ELTF has been getting lot of enquirers from different part of country seeking clarifications on 'Interest Subsidy Scheme'. .../div>/div>div styleclear: both;>/div>/li>li>div classitem-content>div classitem-thumbnail>a hrefhttp://www.eltf.in/2012/03/interest-subsidy-scheme-on-education.html target_blank>img alt border0 srchttps://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhxAt11RabwNdSHhZEhIef6qnudJH8XAP0x_jZdiATbJr4gWpX2iYCDSRIjlMxkQhq63a-eNMEu6comscD9Drjry0Zzc2NKzBdrTObeoUuglz8yeNV6GR4YjR1Wkc1UF-lIGRb3QBevyaU7/w72-h72-p-k-no-nu/percentage.jpg/>/a>/div>div classitem-title>a hrefhttp://www.eltf.in/2012/03/interest-subsidy-scheme-on-education.html>Interest subsidy Scheme on Education Loan - Guidelines/a>/div>div classitem-snippet>http://www.iba.org.in/HRD.asp Ministry of HRD Scheme to provide interest subsidy on Education Loan taken by students from Economicall.../div>/div>div styleclear: both;>/div>/li>li>div classitem-content>div classitem-title>a hrefhttp://www.eltf.in/2010/03/how-to-complain-against-branch-if.html>How to complain against the Branch, if injustice is done?/a>/div>div classitem-snippet> ELTF has been getting lot of mails as to how public can complain when they do not get justice from the branches of banks. Normally, we co.../div>/div>div styleclear: both;>/div>/li>li>div classitem-content>div classitem-thumbnail>a hrefhttp://www.eltf.in/2016/03/education-loan-interest-subsidy-status-links.html target_blank>img alt border0 srchttps://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhnYe3foHqud63Z0WkM-wcGoHxl_ZI16D4yHKBxXUq-I28CO0zsu2wbI7yPCEQTE0ZoV6bFpQaFYEPvKcdVGvjcn6ijC1IxHtUCwQSFkLmE2Iz8Wq-qlmkZhKtEjRrxilrMhitRHTRrSzCn/w72-h72-p-k-no-nu/interest+subsidy+site.jpg/>/a>/div>div classitem-title>a hrefhttp://www.eltf.in/2016/03/education-loan-interest-subsidy-status-links.html>New website links to get education loan interest subsidy status/a>/div>div classitem-snippet> Canara Bank has now announced the following two new links to get the status of Education Loan interest subsidy. For enquiry regarding.../div>/div>div styleclear: both;>/div>/li>/ul>div classclear>/div>/div>/div>div classwidget Text data-version1 idText2>h2 classtitle>Education Loan Model Scheme/h2>div classwidget-content>p>span stylefont-family:Verdana;>Please download to get more details about the Education Loan Scheme in Indiabr />a target_blank hrefhttp://www.prpoint.com/ezine/presense0110.pdf>Ezine on Edu Loan/a>br />a target_blank hrefhttp://www.prpoint.com/ezine/eduloan-IBA.pdf>Model Scheme by IBA/a>/span>br />/p>br />p> /p>/div>div classclear>/div>/div>div classwidget Text data-version1 idText3>h2 classtitle>If you want to complain to Reserve Bank of India/h2>div classwidget-content>Ms Madhavi Sharma,br />Chief General Manager,br />RPCD, Reserve Bank of India,br />Central Office Building, 10th Floor,br />Shahid Bhagat Singh Marg,br />Mumbai 400001br />Phone Number : 022 22610261br />br />Email id a hrefmailto:madhavisharma@rbi.org.in>madhavisharma@rbi.org.in/a>br />/div>div classclear>/div>/div>div classwidget BlogArchive data-version1 idBlogArchive1>h2>Blog Archive/h2>div classwidget-content>div idArchiveList>div idBlogArchive1_ArchiveList>ul classhierarchy>li classarchivedate expanded>a classtoggle hrefjavascript:void(0)>span classzippy toggle-open> ▼ /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2018/>2018/a>span classpost-count dirltr>(4)/span>ul classhierarchy>li classarchivedate expanded>a classtoggle hrefjavascript:void(0)>span classzippy toggle-open> ▼ /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2018/09/>Sep 2018/a>span classpost-count dirltr>(1)/span>ul classposts>li>a hrefhttp://www.eltf.in/2018/09/portal-to-claim-interest-subsidy-for-fy.html>Portal to claim Interest Subsidy for FY 2017-18 is.../a>/li>/ul>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2018/08/>Aug 2018/a>span classpost-count dirltr>(1)/span>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2018/06/>Jun 2018/a>span classpost-count dirltr>(1)/span>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2018/01/>Jan 2018/a>span classpost-count dirltr>(1)/span>/li>/ul>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2017/>2017/a>span classpost-count dirltr>(13)/span>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2017/09/>Sep 2017/a>span classpost-count dirltr>(1)/span>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2017/08/>Aug 2017/a>span classpost-count dirltr>(3)/span>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2017/05/>May 2017/a>span classpost-count dirltr>(1)/span>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2017/04/>Apr 2017/a>span classpost-count dirltr>(2)/span>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2017/03/>Mar 2017/a>span classpost-count dirltr>(1)/span>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2017/02/>Feb 2017/a>span classpost-count dirltr>(4)/span>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2017/01/>Jan 2017/a>span classpost-count dirltr>(1)/span>/li>/ul>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2016/>2016/a>span classpost-count dirltr>(6)/span>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2016/08/>Aug 2016/a>span classpost-count dirltr>(2)/span>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2016/07/>Jul 2016/a>span classpost-count dirltr>(3)/span>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2016/03/>Mar 2016/a>span classpost-count dirltr>(1)/span>/li>/ul>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2015/>2015/a>span classpost-count dirltr>(9)/span>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2015/09/>Sep 2015/a>span classpost-count dirltr>(3)/span>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2015/08/>Aug 2015/a>span classpost-count dirltr>(3)/span>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2015/06/>Jun 2015/a>span classpost-count dirltr>(1)/span>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2015/04/>Apr 2015/a>span classpost-count dirltr>(1)/span>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2015/03/>Mar 2015/a>span classpost-count dirltr>(1)/span>/li>/ul>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2014/>2014/a>span classpost-count dirltr>(10)/span>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2014/12/>Dec 2014/a>span classpost-count 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hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2014/04/>Apr 2014/a>span classpost-count dirltr>(2)/span>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2014/03/>Mar 2014/a>span classpost-count dirltr>(1)/span>/li>/ul>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2013/>2013/a>span classpost-count dirltr>(5)/span>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2013/11/>Nov 2013/a>span classpost-count dirltr>(2)/span>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2013/10/>Oct 2013/a>span classpost-count dirltr>(1)/span>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2013/07/>Jul 2013/a>span classpost-count dirltr>(2)/span>/li>/ul>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2012/>2012/a>span classpost-count dirltr>(10)/span>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2012/11/>Nov 2012/a>span classpost-count dirltr>(2)/span>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2012/10/>Oct 2012/a>span classpost-count dirltr>(3)/span>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a 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hrefhttp://www.eltf.in/2011/01/>Jan 2011/a>span classpost-count dirltr>(1)/span>/li>/ul>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2010/>2010/a>span classpost-count dirltr>(10)/span>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2010/11/>Nov 2010/a>span classpost-count dirltr>(1)/span>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2010/10/>Oct 2010/a>span classpost-count dirltr>(1)/span>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2010/05/>May 2010/a>span classpost-count dirltr>(2)/span>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2010/03/>Mar 2010/a>span classpost-count dirltr>(6)/span>/li>/ul>/li>/ul>/div>/div>div classclear>/div>/div>/div>/div>/div>div classtabs-widget-content tabs-widget-content-widget-themater_tabs-1432447472-id idwidget-themater_tabs-1432447472-id2>div classsidebar section idsidebartab2>div classwidget Label data-version1 idLabel3>h2>Labels/h2>div classwidget-content list-label-widget-content>ul>li>a dirltr hrefhttp://www.eltf.in/search/label/Awareness%20programme>Awareness programme/a>span dirltr>(7)/span>/li>li>a dirltr hrefhttp://www.eltf.in/search/label/ELTF>ELTF/a>span dirltr>(2)/span>/li>li>a dirltr hrefhttp://www.eltf.in/search/label/Guideline>Guideline/a>span dirltr>(15)/span>/li>li>a dirltr hrefhttp://www.eltf.in/search/label/IBA%20circular>IBA circular/a>span dirltr>(9)/span>/li>li>a dirltr 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idsidebartab3>div classwidget BlogArchive data-version1 idBlogArchive2>h2>Blog Archive/h2>div classwidget-content>div idArchiveList>div idBlogArchive2_ArchiveList>ul classhierarchy>li classarchivedate expanded>a classtoggle hrefjavascript:void(0)>span classzippy toggle-open> ▼ /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2018/>2018/a>span classpost-count dirltr>(4)/span>ul classhierarchy>li classarchivedate expanded>a classtoggle hrefjavascript:void(0)>span classzippy toggle-open> ▼ /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2018/09/>Sep 2018/a>span classpost-count dirltr>(1)/span>ul classposts>li>a hrefhttp://www.eltf.in/2018/09/portal-to-claim-interest-subsidy-for-fy.html>Portal to claim Interest Subsidy for FY 2017-18 is.../a>/li>/ul>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2018/08/>Aug 2018/a>span classpost-count dirltr>(1)/span>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2018/06/>Jun 2018/a>span classpost-count dirltr>(1)/span>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2018/01/>Jan 2018/a>span classpost-count dirltr>(1)/span>/li>/ul>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2017/>2017/a>span classpost-count dirltr>(13)/span>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2017/09/>Sep 2017/a>span classpost-count dirltr>(1)/span>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2017/08/>Aug 2017/a>span classpost-count dirltr>(3)/span>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2017/05/>May 2017/a>span classpost-count dirltr>(1)/span>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2017/04/>Apr 2017/a>span classpost-count dirltr>(2)/span>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2017/03/>Mar 2017/a>span classpost-count dirltr>(1)/span>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2017/02/>Feb 2017/a>span classpost-count dirltr>(4)/span>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2017/01/>Jan 2017/a>span classpost-count dirltr>(1)/span>/li>/ul>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2016/>2016/a>span classpost-count dirltr>(6)/span>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2016/08/>Aug 2016/a>span classpost-count dirltr>(2)/span>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2016/07/>Jul 2016/a>span classpost-count dirltr>(3)/span>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2016/03/>Mar 2016/a>span classpost-count dirltr>(1)/span>/li>/ul>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2015/>2015/a>span classpost-count dirltr>(9)/span>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2015/09/>Sep 2015/a>span classpost-count dirltr>(3)/span>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2015/08/>Aug 2015/a>span classpost-count dirltr>(3)/span>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2015/06/>Jun 2015/a>span classpost-count dirltr>(1)/span>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2015/04/>Apr 2015/a>span classpost-count dirltr>(1)/span>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2015/03/>Mar 2015/a>span classpost-count dirltr>(1)/span>/li>/ul>/li>/ul>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2014/>2014/a>span classpost-count dirltr>(10)/span>ul classhierarchy>li classarchivedate collapsed>a classtoggle hrefjavascript:void(0)>span classzippy> ► /span>/a>a classpost-count-link hrefhttp://www.eltf.in/2014/12/>Dec 2014/a>span classpost-count 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