Udupi District Consumer Commission orders SBI to compensate the aggrieved Consumer



Richard D’Souza
Kemmannu News Network, 27-08-2021 06:56:20

Write Comment     |     E-Mail To a Friend     |     Facebook     |     Twitter     |     Print


Udupi : In a recent judgment, pronounced by the Udupi District Consumer Dispute Redressal Commission, ordered the State Bank of India to pay totally Rs.6,00,010/- to Mr.Harish Gudigar, a wood sculptor from Uppuru of Udupi district. While he was working as a Graphic Designer at Bangalore, he had a SB account at Malleshwaram branch of State Bank of India. Whenever he had some savings, he used to keep in fixed deposits in the same branch. He had a plan of expanding his business and constructing a house at native after accumulation of sufficient amount.



During the press meet held at Vaikunta Law College near here on Thursday, August 26, Dr. Ravindranath Shanbaug said that Harish resigned his job of Bangalore in Febraury 2019 and returned to his native.  He transferred his Saving Bank and Fixed Deposits accounts to Santhe katte branch of SBI. He opened a small shop of handicrafts at Udupi.  Within a short time Corona pandemic spread all over the country and as a result he had to close his shop. He had to literally struggle for his livelihood.

On 23.8.19 at about 8.19 am Harish received a message on his mobile. The message read as “08.19: Thx for INB txn of Rs.500000.0 frm A/c X8985 to PARNAV ONL…Ref#IGAGVTYJC8 on 23Aug19. Harish could not understand this message. Within few minutes, he received another message which reads as “Thx for INB txn of Rs.50010.0 frm A/c X8985 to PARNAV ONL…Ref#IGAGVUAEC3 on 23Aug19”  Harish puzzled as to  who is sending these messages,  from where and why.  Of late, he had never made transaction nor had given any cheque. Moreover, he did not have the money mentioned in the messages.  He had only a few hundreds. He thought somebody be joking at him.



In order to check the authenticity of this transaction, he opened his Laptop and astonished to find three bank transaction entries were recorded within a few minutes.

The first transaction was related to transfer of Rs.5,00,000/- from Harish’s Fixed Deposit accounts to his own SB account.

In the second transaction, again Rs.50,010 were transferred from another Fixed deposit account of Harish to his own SB  account.

The third transaction effected a transfer of all the money to the tune of Rs.5,50,010 to a SB account of unknown person in Delhi branch of SBI. There were only Rs.6360 were left in Harish’s SB account. Harish immediately transferred the same to his SB account in HDFC Bank wherein he could save that amount.

Immediately, Harish rushed to the SBI branch of Santhe katte and explains the incident to the Manager. Having perused the concerned documents, Manager contacted Delhi branch and could get the money blocked in transferee’s account. He assured Harish – “your money has not gone anywhere. It is safe in our Delhi Branch and will be remitted to your account in a couple of days”.

However, the Manager failed to explain how could a off-line fixed deposit be transferred through a online transaction. He suggested Harish to lodge a complaint with cyber police.  Accordingly, Harish filed a petition at udupi cyber police station.

 Cyber Police submitted FIR to the Court at Udupi (FIR No.0081/2019 dated 25.09.19) and got the matter published in local dailies. Probably, this must have been the first incident of on line transfer of money from off-line FD to an unrelated SB account. He was promised that his money would be remitted within 48 hours.

Even after two days, when money was not remitted to his account, Harish approached the branch. His repeated enquires and a complaint to Ms.Pragna Kamath,a senior official of SBI did not produce any results. Every official repeatedly promising him that   “Your money is safe” but nobody informed him when the money would be remitted to his account.

After five months of the incident, Harish approached Udupi District Consumer Disputes Redressal Commission with the help of Human Rights Protection Foundation, Udupi. After sixteen months of deliberations, the Commission has pronounced the judgment and has order   the State Bank of India to pay  the disputed amount Rs.5,50,010/- along with the 10%  interest to Harish Gudigar. It has also sanctioned Rs.50,000/- as compensation and Rs.10,000/- towards the cost of litigation.

Points to be noted

a) Officials of Reserve Bank as well as of police department have announced that the money fraudulently taken away from the Bank accounts will be recovered if the consumers file the complaints within 24 hours of the incident. In this case Harish had approached the Bank as well as cyber police within 2 hours of the incident. Even the FIR was filed within 24 hours. Where is the money?

b) Whenever a consumer deposits the money in FDs, the Banks issue receipts. Unless these receipts are signed and returned by the Account Holder, the money cannot be released. Harish has those fixed deposit receipts even to this date. But the accounts show zero balance. How can this happen?

c) Whenever a bank consumer fights a case in the courts of law, he has to spend money from his pockets. But Bank officials defend the case using Banks money i.e money deposited by the consumers. In both the eventualities the consumer is the loser – Is this the way to protect a consumer?




Write your Comments on this Article
Your Name
Native Place / Place of Residence
Your E-mail
Your Comment   You have characters left.
Security Validation
Enter the characters in the image above
Disclaimer: Please write your correct name and email address. Kindly do not post any personal, abusive, defamatory, infringing, obscene, indecent, discriminatory or unlawful or similar comments. Kemmannu.com will not be responsible for any defamatory message posted under this article.
Please note that under 66A of the IT Act, sending offensive or menacing messages through electronic communication service and sending false messages to cheat, mislead or deceive people or to cause annoyance to them is punishable. It is obligatory on kemmannu.com to provide the IP address and other details of senders of such comments, to the authority concerned upon request. Hence, sending offensive comments using kemmannu.com will be purely at your own risk, and in no way will Kemmannu.com be held responsible.
Similarly, Kemmannu.com reserves the right to edit / block / delete the messages without notice any content received from readers.

New NH 66 Highway: Life at risk in Santhekatte, Ka [3 Comments]
View More

Wanted Teachers || Surya Chaitanya Global Academy KuthyarWanted Teachers || Surya Chaitanya Global Academy Kuthyar
Tribute to Nithyananda Kemmannu | ಶ್ರಧಾಂಜಲಿ ಸಭೆ |Tribute to Nithyananda Kemmannu | ಶ್ರಧಾಂಜಲಿ ಸಭೆ |
Memorial Mass & Tribute to Oscar Fernandes | ಆಸ್ಕರ್ ಫೆರ್ನಾಂಡಿಸ್ ಶ್ರಧಾಂಜಲಿ ಸಭೆ | LIVE | UDYAVARAMemorial Mass & Tribute to Oscar Fernandes | ಆಸ್ಕರ್ ಫೆರ್ನಾಂಡಿಸ್ ಶ್ರಧಾಂಜಲಿ ಸಭೆ | LIVE | UDYAVARA
Two plots for Sale Near Nejar Water Tank, 1 km to Santhekatte, Kallianpura.Two plots for Sale Near Nejar Water Tank, 1 km to Santhekatte, Kallianpura
Rozaricho Gaanch September Issue 2021Rozaricho Gaanch September Issue 2021
Milarchi Laram - Issue Monthi Fest, 2021Milarchi Laram - Issue Monthi Fest, 2021
Kaalada Charithre August 2021Kaalada Charithre August 2021
Mount Rosary, Santhekatte: ‘Rozaricho Gaanch’ Special Decennial Year 2011-2021Mount Rosary, Santhekatte: ‘Rozaricho Gaanch’ Special Decennial Year 2011-2021
Land/Houses for Sale in Kaup, Manipal, Kallianpur, Santhekatte, Uppor, Nejar, Kemmannu, Malpe, Ambalpady.Land/Houses  for Sale in Kaup, Manipal, Kallianpur, Santhekatte, Uppor, Nejar, Kemmannu, Malpe, Ambalpady.
Milarchi Lara from Milagres Cathedral, KallianpurMilarchi Lara from Milagres Cathedral, Kallianpur
Contact on Going Residential ProjectAl Nayaab Residency, UdupiContact on Going Residential ProjectAl Nayaab Residency, Udupi
Choice Furniture vast household showroom opens at Santhekatte, KallianpurChoice Furniture vast household showroom opens at Santhekatte, Kallianpur
Focus Studio, Near Hotel Kidiyoor, UdupiFocus Studio, Near Hotel Kidiyoor, Udupi
Ktv Live Stream

K Live Streaming

Kemmannu Channel -YouTube Click Here

Kemmannu Channel -YouTube Click Here

Kemmann.com Face Book

Click here for Kemmannu Knn Facebook Link

Sponsored Albums


‘Old Man’s Club’ – A collection of 25 selected hilarious articles by Joe Quadrus,  released in Udupi…..


Udupi: Increasing Traffic at Kallianpura Santhekatte Junction - ’Nightmare to commuters’ [Video]




Personal Reflections of 17th Century Account of South Canara - By Joshua Fernandes


The grand Initiation of the Cause of Beatification and Canonization of, ‘Servant of God FR ALFRED ROCHE’ has been given a sublime start at Holy Family Church, Brahmmavar.


The life of ‘Servant of God, Rev. Fr. Alfred Roche’, OFM Capuchin. [Video]


Amcho Padryab - Fr Alfred Roche – 3-04-1924 to 31-12-1996,  Will be declared as Servant of God….. [Video]


Fondly remembering - An educationist, historian, ‘Father of South Kanara Archaeology’, Dr P. Gururaja Bhatt – 1924 -1978.


‘The heart of a father is the masterpiece of nature’ – A F Prevost.  Now a special day for all Fathers too…..!