STATE BANK OF INDIA HET BRANCH, GOVINDPURA BHOPAL M.P Vs. SMT. SUSHMA JOSHI W/P LATE SH. K.K JOSHI, R/O H

JUDGEMENT

(1.) Learned counsel for the parties present. Arguments heard.

(2.) Dr. (Smt.) Sushma Joshi, complainant and her husband, Shri K. K. Joshi pledged the property, after obtaining loan of Rs.6 lacs in their joint name from State Bank of India, opposite party No. 1 with SBI Life Insurance Co. Ltd./the respondent No. 2. A sum of Rs.41,922/- was deducted at source for insurance of the husband and the wife. Unfortunately, the husband, Shri K. K. Joshi passed away and the claim was made. It transpired that only wife, Smt. Sushma Joshi was insured and not her husband.

(3.) A complaint was filed before the District Forum. The District Forum dismissed the complaint. An appeal was filed by Dr. Smt. Sushma Joshi before the State Commission. The State Commission came to the following conclusion: