Indira Vikas Patras (‘IVP’, for short) - Once lost or defaced beyond identification can not be replaced
If in case the IVPs are lost/stolen or mutilated or defaced beyond recognition, the Rules are clear that they shall not be replaced by the Post Office. In the face of such statutory provision, the refusal on the part of the Department to entertain any request for maturity sum was absolutely right and justified. It can never be said that there was deficiency on the part of the Department in rendering any service expected of them. If the Department had refused to encash the Certificates upon presentation or even after encashment had refused to make the payment or had made short payment, there could still be a grievance about deficiency in service but if the Certificates themselves are lost and the identity of the initial holder could never be established through the record, the Department was well within its rights not to accept the prayer for return of the maturity sum.
In Central Government of India and others vs. Krishnaji Parvetesh
Kulkarni5, similar prayer made through a writ petition, was rejected by this
Court with following observations:-
“An IVP is akin to an ordinary currency note. It bears no name
of the holder. Just as a lost currency note cannot be replaced,
similarly the question of replacing a lost IVP does not arise. Rule
7(2) makes the position clear that a certificate lost, stolen,
mutilated, defaced or destroyed beyond recognition will not be
replaced by any post office. Similar is the position as regards the
certificate which is either lost or stolen. Undisputedly there was
no challenge to the legality of the rule 7(2). In the absence of a
challenge to the provision, any direction should not really have
been given. It is fundamental that no direction which is contrary
to law can be given.”
Civil Appeal Nos. 1894-1895 of 2020
Arising out of SLP(C) Nos.16164-16165 of 2019
1
REPORTABLE
IN THE SUPREME COURT OF INDIA
CIVIL APPELLATE JURISDICTION
CIVIL APPEAL NOS.1894-1895 OF 2020
(Arising out of SLP (Civil) Nos.16164-16165 of 2019)
THE SUPERINTENDENT OF POST OFFICE,
BOLANGIR DIVISION, BOLANGIR, ODISHA …Appellant
VERSUS
JAMBU KUMAR JAIN …Respondent
WITH
CIVIL APPEAL NOS.1896-1897 OF 2020
(Arising out of SLP (Civil) Nos.16166-16167 of 2019)
THE SUPERINTENDENT OF POST OFFICE,
BOLANGIR DIVISION, BOLANGIR, ODISHA …Appellant
VERSUS
CHHAGAN LAL JAIN …Respondent
J U D G M E N T
UDAY UMESH LALIT, J.
CIVIL APPEAL NOS. 1894-1895 OF 2020
(Arising out of SLP (Civil) Nos.16164-16165 of 2019)
1. Leave granted.
Civil Appeal Nos. 1894-1895 of 2020
Arising out of SLP(C) Nos.16164-16165 of 2019
2
2. These appeals arise out of the final judgment and order dated
11.09.2018 passed by the National Commission1
in Revision Petition No.2116
of 2018 and order dated 11.10.2018 in Review Application No.355 of 2018
preferred in the aforesaid revision petition.
3. Complaint, being CDC No.43 of 2015 was filed by the respondent
herein before the District Forum2
contending inter alia that 88 Indira Vikas
Patras (‘IVP’, for short) of the denomination of Rs.5000/- each, purchased by
the father of the complainant sometime during the period 1996 to 1998, were
lost in the month of June 2001. A police complaint was lodged on 25.06.2001
alleging theft of those IVPs and thereafter by intimation dated 14.07.2001 a
request was made to the Superintendent of Post Offices, Bolangir to stop
payment of any amount upon maturity of the IVPs without proper verification
of the holder. It was further submitted that despite demands made by the
complainant, the value of the lost IVPs was not being made over by the Post
Office to him and as such, there was deficiency in service on part of the Post
Office. With the aforesaid allegations, the following principal reliefs were
claimed in the complaint:
“(i) The O.P. be directed to pay the maturity value of 88
numbers of IVP of Rs.5,000/- each denomination =
Rs.8,80,000/- and due interest till final payment is
1 National Consumer Disputes Redressal Commission, New Delhi
2 District Consumer Disputes Redressal Forum, Bolangir, Odisha
Civil Appeal Nos. 1894-1895 of 2020
Arising out of SLP(C) Nos.16164-16165 of 2019
3
made,
(ii) A sum of Rs.1,00,000/- as claimed as compensation
for deficiency in service and loss caused to the
complaint and Rs.10,000/- is claimed towards the cost
of litigation”
4. In its reply, the appellant submitted that in terms of Indira Vikas Patra
Rules, 1986, (‘the Rules’, for short), no formal application was necessary to
purchase the IVPs and in case the IVPs were purchased by cash, the identity
of the purchaser would not be recorded by the Post Office in any document
nor any receipt would be issued at the time of issuance of the IVPs, that all
the IVPs were bearer instruments like currency notes; that there was no proof
or evidence that any consideration was paid by the complainant; and that the
complainant could not be termed as a “consumer” within the meaning of the
Act3
. It was further submitted that the Rules were binding on the Department
and since it had acted purely in terms of the Rules, there was no deficiency on
its part.
5. The aforesaid complaint was allowed by the District forum vide its
order dated 30.03.2016 and it was directed as under:
“We hereby direct the O.P. to release payment of the
maturity value of 88 nos. of IVPs bearing No.63C
113623 to 113666 and 3515 to 3558 and 113667 to
113710 and 3559 to 3602 respectively amounting to
Rs.8,80,000/- (Rupees Eight Lakh Eighty thousand)
only, to the petitioner after furnishment of an
indemnity bond from the petitioner within thirty-five
3The Consumer Protection Act, 1986
Civil Appeal Nos. 1894-1895 of 2020
Arising out of SLP(C) Nos.16164-16165 of 2019
4
days of this order. Non compliance will attract a
penalty of Rs.20 per day till realization.”
6. The appellant being aggrieved filed Appeal No.356 of 2016 before the
State Commission4
, which was dismissed by the State Commission on the
ground of non-prosecution. The matter was carried further by filing Revision
Petition No.2116 of 2018 before the National Commission.
7. The submissions advanced on behalf of the appellant were recorded as
under:
“The Learned Counsel for the Petitioner contended that since
inception the Respondent is not a Consumer and no deficiency in
service has been committed on the part of the Petitioner and the
Complaint of the Respondent is not maintainable. As per Rule 7(2)
and 10 of the IVP Rules, 1986, the Respondent is not entitled to any
claim and hence his claim has been rejected by the Department.”
However, the view taken by the District Forum was accepted by the
National Commission. It was observed in order dated 11.09.2018:
“The Respondent’s Father had purchased 88 IVPs for a total
amount of Rs.8.8 lakhs. The same were lost and a Police
Complaint was filed. The claim of the Respondent on maturity
was rejected. Several years have elapsed and the amount
deposited still lies with the Postal Department. So far there
appears no other claimant for the amount. It certainly cannot be
the case of the Petitioner to appropriate the entire amount
forever, since the lost documents has not been submitted to them.
It is but fair and reasonable that after proper verification and
taking due precautions like idemnity bond etc., the Department
after securing its interests, should at least pay the maturity value
to the Respondent, after having not succeeded in the several
rounds of litigation. This Commission way back in the year
4 State Consumer Disputes Redressal Commission, Cuttak, Odisha
Civil Appeal Nos. 1894-1895 of 2020
Arising out of SLP(C) Nos.16164-16165 of 2019
5
2002, in a matter of similar nature has elaborately discussed the
issues and directed the department to release the money, as
sufficient time had elapsed since the date of maturity. Therefore,
it clearly appears that there is no error in the order passed by the
District Forum.”
8. Thereafter, Review Application No.355 of 2018 was preferred by the
appellant. However, said Review Application was also dismissed by the
National Commission vide order dated 11.10.2018.
9. The aforesaid two orders passed by the National Commission are
presently under appeal before us. We have heard Mr. R. Balasubramanian,
learned Senior Advocate for the appellant and Mr. S.B. Upadhyay, learned
Senior Advocate for the respondent. It was submitted by Mr. Upadhyay that
in the present matter, the value in respect of the IVPs in question had not been
claimed by any other person and in any case the respondent was willing to
furnish any indemnity bond that in case any claim were to surface, he would
indemnify the Department.
10. Before we consider the matter, we must set-out the relevant Rules.
The Rules were issued vide Ministry of Finance (DEA) Notification
No.G.S.R. 1183(E) dated 05.11.1986. Rules 5, 6 and 7 of the Rules, as
amended from time to time, are as under:
“5 Procedure for purchase of certificates: (1) A certificate
may be purchased at a Post Office on payment of any one of the
following modes, namely:
Civil Appeal Nos. 1894-1895 of 2020
Arising out of SLP(C) Nos.16164-16165 of 2019
6
(i) by cash; or
(ii) by locally executed cheque, pay order or demand draft
drawn in favour of the Postmaster; or
(iii) by presenting a duly signed withdrawal form or cheque with
the Pass Book for withdrawal from Post Office Savings Account
standing in the credit of the purchaser at the same Post Office.
2. No formal application is necessary for purchase of a
certificate.
6. Issue of Certificate: (1) On payment being made by cash, a
certificate shall be issued immediately and date of such
certificate shall be the date of payment.
(2) Where payment for purchase of a certificate is made by
locally executed cheque, pay order or demand draft, the
certificate shall not be issued before the proceeds of the cheque,
pay order or demand draft, as the case may be, are realised and
the date of such certificate shall be the date of encashment of the
cheque, pay order or demand draft, as the case may be.
(3) If, for any reason, a certificate cannot be issued immediately,
a provisional receipt shall be given to the purchaser which may
later be exchanged for a certificate and the date of such
certificate shall be as specified in sub-rule (1) or sub-rule (2), as
the case may be.
(4) A certificate issued under this rule is transferable.
7. Replacement of certificate: (1) If a certificate is mutilated or
defaced, the bearer is entitled for replacement form the Post
Office of issue on payment of fee of rupee one.
(2) A certificate lost, stolen, mutilated, defaced or destroyed
beyond recognition, will not be replaced by any Post Office.”
11. In terms of Rule 5 of the Rules, IVPs could be purchased at any Post
Office after payment in cash or by a Cheque/Pay Order or Demand Draft and
no formal application was necessary for such purchase. As against payment
Civil Appeal Nos. 1894-1895 of 2020
Arising out of SLP(C) Nos.16164-16165 of 2019
7
made in Cash, the IVPs would be delivered immediately while in respect of
payments made either through Cheque or Pay Order or Demand Draft, the
same would be issued only after the encashment of any of those instruments.
In terms of Rule 6(4), IVPs were transferable. According to Rule 7(1), if the
Certificate was mutilated or defaced, the bearer would be entitled to have it
replaced on payment of fee of rupee one but if the certificate was lost or
stolen or mutilated or defaced or destroyed beyond recognition, in terms of
Rule 7(2) it would not be replaced by any Post Office.
12. It is not in dispute that the IVPs in the present matter were purchased
through cash. At no stage, the identity of the purchaser was thus disclosed or
registered with the Department. In a situation, where the IVPs were
purchased either through Cheque of Pay Order or Demand Draft, there would
still be a possibility, through link evidence, to establish the identity of the
purchaser but in case of a purchase through the modality of cash, there would
be nothing on record which could establish the identity of the purchaser.
It may be that there are no claims in respect of the IVPs in question but
that does not mean that any person can claim maturity sum in respect of such
IVPs and offer an indemnity.
13. The matter has to be considered purely from the perspective of the
governing Rules. If in case the IVPs are lost/stolen or mutilated or defaced
Civil Appeal Nos. 1894-1895 of 2020
Arising out of SLP(C) Nos.16164-16165 of 2019
8
beyond recognition, the Rules are clear that they shall not be replaced by the
Post Office. In the face of such statutory provision, the refusal on the part of
the Department to entertain any request for maturity sum was absolutely right
and justified. It can never be said that there was deficiency on the part of the
Department in rendering any service expected of them.
If the Department had refused to encash the Certificates upon
presentation or even after encashment had refused to make the payment or
had made short payment, there could still be a grievance about deficiency in
service but if the Certificates themselves are lost and the identity of the initial
holder could never be established through the record, the Department was
well within its rights not to accept the prayer for return of the maturity sum.
14. In Central Government of India and others vs. Krishnaji Parvetesh
Kulkarni5
, similar prayer made through a writ petition, was rejected by this
Court with following observations:-
“An IVP is akin to an ordinary currency note. It bears no name
of the holder. Just as a lost currency note cannot be replaced,
similarly the question of replacing a lost IVP does not arise. Rule
7(2) makes the position clear that a certificate lost, stolen,
mutilated, defaced or destroyed beyond recognition will not be
replaced by any post office. Similar is the position as regards the
certificate which is either lost or stolen. Undisputedly there was
no challenge to the legality of the rule 7(2). In the absence of a
challenge to the provision, any direction should not really have
been given. It is fundamental that no direction which is contrary
to law can be given.”
5
(2006) 4 SCC 275
Civil Appeal Nos. 1894-1895 of 2020
Arising out of SLP(C) Nos.16164-16165 of 2019
9
15. In our view, the District Forum and the National Commission
completely erred in accepting the claim. We, therefore, allow these appeals,
set-aside the view taken by the National Commission and dismiss the original
complaint. No costs.
CIVIL APPEAL NOs. 1896-1897 OF 2020
(Arising out of SLP (Civil) Nos.16166-16167 of 2019)
16. Leave granted.
17. These appeals arise out of the final judgment and order dated
11.09.2018 passed by the National Commission in Revision Petition No.2117
of 2018 and order dated 11.10.2018 in Review Application No.356 of 2018
preferred in the aforesaid revision petition.
18. In this case, 160 IVPs of the denomination of Rs.5000/- each, were
stated to have been lost and the claimant in this case and the claimant in the
earlier matter are members of the same family. Similar relief was granted by
the District Forum and the National Commission, which orders are presently
under appeal before us.
19. It is somewhat strange that only the IVPs were lost in both the cases
by the family and no other instrument was lost. Be that as it may, for the
reasons recorded in Civil Appeal arising out of SLP (Civil) Nos.16164-16165
Civil Appeal Nos. 1894-1895 of 2020
Arising out of SLP(C) Nos.16164-16165 of 2019
10
of 2019, these appeals also deserve to be allowed.
20. We, therefore, allow these appeals, set-aside the view taken by the
National Commission and dismiss the original complaint. No costs.
…….................................J.
[UDAY UMESH LALIT]
..…..................................J.
[VINEET SARAN]
NEW DELHI;
MARCH 02, 2020.
If in case the IVPs are lost/stolen or mutilated or defaced beyond recognition, the Rules are clear that they shall not be replaced by the Post Office. In the face of such statutory provision, the refusal on the part of the Department to entertain any request for maturity sum was absolutely right and justified. It can never be said that there was deficiency on the part of the Department in rendering any service expected of them. If the Department had refused to encash the Certificates upon presentation or even after encashment had refused to make the payment or had made short payment, there could still be a grievance about deficiency in service but if the Certificates themselves are lost and the identity of the initial holder could never be established through the record, the Department was well within its rights not to accept the prayer for return of the maturity sum.
In Central Government of India and others vs. Krishnaji Parvetesh
Kulkarni5, similar prayer made through a writ petition, was rejected by this
Court with following observations:-
“An IVP is akin to an ordinary currency note. It bears no name
of the holder. Just as a lost currency note cannot be replaced,
similarly the question of replacing a lost IVP does not arise. Rule
7(2) makes the position clear that a certificate lost, stolen,
mutilated, defaced or destroyed beyond recognition will not be
replaced by any post office. Similar is the position as regards the
certificate which is either lost or stolen. Undisputedly there was
no challenge to the legality of the rule 7(2). In the absence of a
challenge to the provision, any direction should not really have
been given. It is fundamental that no direction which is contrary
to law can be given.”
Civil Appeal Nos. 1894-1895 of 2020
Arising out of SLP(C) Nos.16164-16165 of 2019
1
REPORTABLE
IN THE SUPREME COURT OF INDIA
CIVIL APPELLATE JURISDICTION
CIVIL APPEAL NOS.1894-1895 OF 2020
(Arising out of SLP (Civil) Nos.16164-16165 of 2019)
THE SUPERINTENDENT OF POST OFFICE,
BOLANGIR DIVISION, BOLANGIR, ODISHA …Appellant
VERSUS
JAMBU KUMAR JAIN …Respondent
WITH
CIVIL APPEAL NOS.1896-1897 OF 2020
(Arising out of SLP (Civil) Nos.16166-16167 of 2019)
THE SUPERINTENDENT OF POST OFFICE,
BOLANGIR DIVISION, BOLANGIR, ODISHA …Appellant
VERSUS
CHHAGAN LAL JAIN …Respondent
J U D G M E N T
UDAY UMESH LALIT, J.
CIVIL APPEAL NOS. 1894-1895 OF 2020
(Arising out of SLP (Civil) Nos.16164-16165 of 2019)
1. Leave granted.
Civil Appeal Nos. 1894-1895 of 2020
Arising out of SLP(C) Nos.16164-16165 of 2019
2
2. These appeals arise out of the final judgment and order dated
11.09.2018 passed by the National Commission1
in Revision Petition No.2116
of 2018 and order dated 11.10.2018 in Review Application No.355 of 2018
preferred in the aforesaid revision petition.
3. Complaint, being CDC No.43 of 2015 was filed by the respondent
herein before the District Forum2
contending inter alia that 88 Indira Vikas
Patras (‘IVP’, for short) of the denomination of Rs.5000/- each, purchased by
the father of the complainant sometime during the period 1996 to 1998, were
lost in the month of June 2001. A police complaint was lodged on 25.06.2001
alleging theft of those IVPs and thereafter by intimation dated 14.07.2001 a
request was made to the Superintendent of Post Offices, Bolangir to stop
payment of any amount upon maturity of the IVPs without proper verification
of the holder. It was further submitted that despite demands made by the
complainant, the value of the lost IVPs was not being made over by the Post
Office to him and as such, there was deficiency in service on part of the Post
Office. With the aforesaid allegations, the following principal reliefs were
claimed in the complaint:
“(i) The O.P. be directed to pay the maturity value of 88
numbers of IVP of Rs.5,000/- each denomination =
Rs.8,80,000/- and due interest till final payment is
1 National Consumer Disputes Redressal Commission, New Delhi
2 District Consumer Disputes Redressal Forum, Bolangir, Odisha
Civil Appeal Nos. 1894-1895 of 2020
Arising out of SLP(C) Nos.16164-16165 of 2019
3
made,
(ii) A sum of Rs.1,00,000/- as claimed as compensation
for deficiency in service and loss caused to the
complaint and Rs.10,000/- is claimed towards the cost
of litigation”
4. In its reply, the appellant submitted that in terms of Indira Vikas Patra
Rules, 1986, (‘the Rules’, for short), no formal application was necessary to
purchase the IVPs and in case the IVPs were purchased by cash, the identity
of the purchaser would not be recorded by the Post Office in any document
nor any receipt would be issued at the time of issuance of the IVPs, that all
the IVPs were bearer instruments like currency notes; that there was no proof
or evidence that any consideration was paid by the complainant; and that the
complainant could not be termed as a “consumer” within the meaning of the
Act3
. It was further submitted that the Rules were binding on the Department
and since it had acted purely in terms of the Rules, there was no deficiency on
its part.
5. The aforesaid complaint was allowed by the District forum vide its
order dated 30.03.2016 and it was directed as under:
“We hereby direct the O.P. to release payment of the
maturity value of 88 nos. of IVPs bearing No.63C
113623 to 113666 and 3515 to 3558 and 113667 to
113710 and 3559 to 3602 respectively amounting to
Rs.8,80,000/- (Rupees Eight Lakh Eighty thousand)
only, to the petitioner after furnishment of an
indemnity bond from the petitioner within thirty-five
3The Consumer Protection Act, 1986
Civil Appeal Nos. 1894-1895 of 2020
Arising out of SLP(C) Nos.16164-16165 of 2019
4
days of this order. Non compliance will attract a
penalty of Rs.20 per day till realization.”
6. The appellant being aggrieved filed Appeal No.356 of 2016 before the
State Commission4
, which was dismissed by the State Commission on the
ground of non-prosecution. The matter was carried further by filing Revision
Petition No.2116 of 2018 before the National Commission.
7. The submissions advanced on behalf of the appellant were recorded as
under:
“The Learned Counsel for the Petitioner contended that since
inception the Respondent is not a Consumer and no deficiency in
service has been committed on the part of the Petitioner and the
Complaint of the Respondent is not maintainable. As per Rule 7(2)
and 10 of the IVP Rules, 1986, the Respondent is not entitled to any
claim and hence his claim has been rejected by the Department.”
However, the view taken by the District Forum was accepted by the
National Commission. It was observed in order dated 11.09.2018:
“The Respondent’s Father had purchased 88 IVPs for a total
amount of Rs.8.8 lakhs. The same were lost and a Police
Complaint was filed. The claim of the Respondent on maturity
was rejected. Several years have elapsed and the amount
deposited still lies with the Postal Department. So far there
appears no other claimant for the amount. It certainly cannot be
the case of the Petitioner to appropriate the entire amount
forever, since the lost documents has not been submitted to them.
It is but fair and reasonable that after proper verification and
taking due precautions like idemnity bond etc., the Department
after securing its interests, should at least pay the maturity value
to the Respondent, after having not succeeded in the several
rounds of litigation. This Commission way back in the year
4 State Consumer Disputes Redressal Commission, Cuttak, Odisha
Civil Appeal Nos. 1894-1895 of 2020
Arising out of SLP(C) Nos.16164-16165 of 2019
5
2002, in a matter of similar nature has elaborately discussed the
issues and directed the department to release the money, as
sufficient time had elapsed since the date of maturity. Therefore,
it clearly appears that there is no error in the order passed by the
District Forum.”
8. Thereafter, Review Application No.355 of 2018 was preferred by the
appellant. However, said Review Application was also dismissed by the
National Commission vide order dated 11.10.2018.
9. The aforesaid two orders passed by the National Commission are
presently under appeal before us. We have heard Mr. R. Balasubramanian,
learned Senior Advocate for the appellant and Mr. S.B. Upadhyay, learned
Senior Advocate for the respondent. It was submitted by Mr. Upadhyay that
in the present matter, the value in respect of the IVPs in question had not been
claimed by any other person and in any case the respondent was willing to
furnish any indemnity bond that in case any claim were to surface, he would
indemnify the Department.
10. Before we consider the matter, we must set-out the relevant Rules.
The Rules were issued vide Ministry of Finance (DEA) Notification
No.G.S.R. 1183(E) dated 05.11.1986. Rules 5, 6 and 7 of the Rules, as
amended from time to time, are as under:
“5 Procedure for purchase of certificates: (1) A certificate
may be purchased at a Post Office on payment of any one of the
following modes, namely:
Civil Appeal Nos. 1894-1895 of 2020
Arising out of SLP(C) Nos.16164-16165 of 2019
6
(i) by cash; or
(ii) by locally executed cheque, pay order or demand draft
drawn in favour of the Postmaster; or
(iii) by presenting a duly signed withdrawal form or cheque with
the Pass Book for withdrawal from Post Office Savings Account
standing in the credit of the purchaser at the same Post Office.
2. No formal application is necessary for purchase of a
certificate.
6. Issue of Certificate: (1) On payment being made by cash, a
certificate shall be issued immediately and date of such
certificate shall be the date of payment.
(2) Where payment for purchase of a certificate is made by
locally executed cheque, pay order or demand draft, the
certificate shall not be issued before the proceeds of the cheque,
pay order or demand draft, as the case may be, are realised and
the date of such certificate shall be the date of encashment of the
cheque, pay order or demand draft, as the case may be.
(3) If, for any reason, a certificate cannot be issued immediately,
a provisional receipt shall be given to the purchaser which may
later be exchanged for a certificate and the date of such
certificate shall be as specified in sub-rule (1) or sub-rule (2), as
the case may be.
(4) A certificate issued under this rule is transferable.
7. Replacement of certificate: (1) If a certificate is mutilated or
defaced, the bearer is entitled for replacement form the Post
Office of issue on payment of fee of rupee one.
(2) A certificate lost, stolen, mutilated, defaced or destroyed
beyond recognition, will not be replaced by any Post Office.”
11. In terms of Rule 5 of the Rules, IVPs could be purchased at any Post
Office after payment in cash or by a Cheque/Pay Order or Demand Draft and
no formal application was necessary for such purchase. As against payment
Civil Appeal Nos. 1894-1895 of 2020
Arising out of SLP(C) Nos.16164-16165 of 2019
7
made in Cash, the IVPs would be delivered immediately while in respect of
payments made either through Cheque or Pay Order or Demand Draft, the
same would be issued only after the encashment of any of those instruments.
In terms of Rule 6(4), IVPs were transferable. According to Rule 7(1), if the
Certificate was mutilated or defaced, the bearer would be entitled to have it
replaced on payment of fee of rupee one but if the certificate was lost or
stolen or mutilated or defaced or destroyed beyond recognition, in terms of
Rule 7(2) it would not be replaced by any Post Office.
12. It is not in dispute that the IVPs in the present matter were purchased
through cash. At no stage, the identity of the purchaser was thus disclosed or
registered with the Department. In a situation, where the IVPs were
purchased either through Cheque of Pay Order or Demand Draft, there would
still be a possibility, through link evidence, to establish the identity of the
purchaser but in case of a purchase through the modality of cash, there would
be nothing on record which could establish the identity of the purchaser.
It may be that there are no claims in respect of the IVPs in question but
that does not mean that any person can claim maturity sum in respect of such
IVPs and offer an indemnity.
13. The matter has to be considered purely from the perspective of the
governing Rules. If in case the IVPs are lost/stolen or mutilated or defaced
Civil Appeal Nos. 1894-1895 of 2020
Arising out of SLP(C) Nos.16164-16165 of 2019
8
beyond recognition, the Rules are clear that they shall not be replaced by the
Post Office. In the face of such statutory provision, the refusal on the part of
the Department to entertain any request for maturity sum was absolutely right
and justified. It can never be said that there was deficiency on the part of the
Department in rendering any service expected of them.
If the Department had refused to encash the Certificates upon
presentation or even after encashment had refused to make the payment or
had made short payment, there could still be a grievance about deficiency in
service but if the Certificates themselves are lost and the identity of the initial
holder could never be established through the record, the Department was
well within its rights not to accept the prayer for return of the maturity sum.
14. In Central Government of India and others vs. Krishnaji Parvetesh
Kulkarni5
, similar prayer made through a writ petition, was rejected by this
Court with following observations:-
“An IVP is akin to an ordinary currency note. It bears no name
of the holder. Just as a lost currency note cannot be replaced,
similarly the question of replacing a lost IVP does not arise. Rule
7(2) makes the position clear that a certificate lost, stolen,
mutilated, defaced or destroyed beyond recognition will not be
replaced by any post office. Similar is the position as regards the
certificate which is either lost or stolen. Undisputedly there was
no challenge to the legality of the rule 7(2). In the absence of a
challenge to the provision, any direction should not really have
been given. It is fundamental that no direction which is contrary
to law can be given.”
5
(2006) 4 SCC 275
Civil Appeal Nos. 1894-1895 of 2020
Arising out of SLP(C) Nos.16164-16165 of 2019
9
15. In our view, the District Forum and the National Commission
completely erred in accepting the claim. We, therefore, allow these appeals,
set-aside the view taken by the National Commission and dismiss the original
complaint. No costs.
CIVIL APPEAL NOs. 1896-1897 OF 2020
(Arising out of SLP (Civil) Nos.16166-16167 of 2019)
16. Leave granted.
17. These appeals arise out of the final judgment and order dated
11.09.2018 passed by the National Commission in Revision Petition No.2117
of 2018 and order dated 11.10.2018 in Review Application No.356 of 2018
preferred in the aforesaid revision petition.
18. In this case, 160 IVPs of the denomination of Rs.5000/- each, were
stated to have been lost and the claimant in this case and the claimant in the
earlier matter are members of the same family. Similar relief was granted by
the District Forum and the National Commission, which orders are presently
under appeal before us.
19. It is somewhat strange that only the IVPs were lost in both the cases
by the family and no other instrument was lost. Be that as it may, for the
reasons recorded in Civil Appeal arising out of SLP (Civil) Nos.16164-16165
Civil Appeal Nos. 1894-1895 of 2020
Arising out of SLP(C) Nos.16164-16165 of 2019
10
of 2019, these appeals also deserve to be allowed.
20. We, therefore, allow these appeals, set-aside the view taken by the
National Commission and dismiss the original complaint. No costs.
…….................................J.
[UDAY UMESH LALIT]
..…..................................J.
[VINEET SARAN]
NEW DELHI;
MARCH 02, 2020.
