Usha Devi Chouksey v. LIC Housing Finance Ltd.

DRT12 Jul 2024SA/625/2024

A compact analysis

This page shows the compact analysis of this judgement. The full analysis — procedural history, issue-by-issue holdings with ratio and obiter, advocates, and paragraph-level evidence for every claim — is being added to the record in batches and will appear here when this judgement has been through it.

PAGE No

GONTD. ORDER.SHEET

CASE NO

DATE	OESCRIPTIONOFTHE ORDER	REMARK
	tO^sqrtfrffi w03 3Iq ft-E{\d .Tfr.6r$fu.r Frf+n fdfrys Ys..62s/2024
12.07.2024	elril+o qeldfrqfis€fqE w.3ertrmrI s;orqrftffisrrwndfu Hfucd-aerffqqilrr 1. Gri<oorBs-fiTdrurwg(orrnel Ts^{qn-fiqqta'q-tyT}saqEn-dq v-qdg{g-mqlfufloflo1ess5/zozqI qrRf,GrTtrTft-iT611.02.2024ofcho) 3rftdsw fuqrrqt
	2. ill^q-m-{qt^grrqqero)fuq efiTeltifien$.g.agza/zoz+q{pq-fi os.ot.2o24o)gmqrcF-{g?D{utGn.epT& Eifud^fu-oinq1g,
	3. q'rc-ftqqssq-iyrva;fiqlcfq TGq^frdcrceg{6rqrilE-"mTo-qi.F rsoas/zoz+Srqftsqitft ffi 1's erqfr-r-qqtac-+cI{-wtcrRf,oil-+yr ft-rTo11.02.2024d,nrqqr)rilq-m-{ord ercT1.30ftqq.dWoiTerTqTRd6Rt flft-f,cTfuqTrrqTtr 4. yfirrrderq-+oqfrqrqrurori fuerd-c+-qrrffissrtftziltn-dgq 3rar03dgm1'ca.Gir{.$.Ertsfuq qT-f+fl fufr-sdtq_s-€wnrz(r)qrq$ffig{s o)/\r'

PAGE No

CONTD. ORDER.SHEET

CASE No

DATE	2oo2d^qrsqn)d^{3iorfntr{r6rc.06.24} C affin^qqk{i-o^21.06.2024o) .nft-6FqtGTlq6{qdrrqas-{gf,6{d gq3ilNfu-Or<-srffird1H{r^ffiT 14rrqffi\r{d^2oo2d^offifdq-fud GnerTk{irnl,4.02.2023^(+@r/¹⁾ otrn-wfrrn^qfio1gw^{rrgrqdTd rnq} derm-sqfu^{q{3rn<oseTd dftfr} 3rlqq.qC^qqtnfr_onfrfttn^qfisfr 11-6r{ldral^{qr.TzF-{frgq3i-q3t-JEiFrf} lrdrrrdrfunrgf,^{fo-qrrqTB qqoif,Rq} $.6rqdT @tfi^qt-To1.r$t^t 5. qr-{fr'q qEs[t{rsa^qrqraqd =rTq-{Erg^{eil{9\ESYqd-omac} f{da{n{r ^qra\rs^erqYc^.fi.tsog/^zozs t^qfudsil-tvtffio^{11.08.2o2sfrfr'T{} DESCRIPTIONOFTHE OROER	RE]UIARK
	qflarTdergrmftaqorsc=Igss?5wl
	of^qMror@l^{qrcgarrkl:fr{ro{"[}
	q).qEtitgntrf,wTCB'rrq^qaoJ saFkr:trfi{ur rrger^{a-{ttigVffioo</sup> efiTfrrt^qriig{dvflq^dwuurqo frrd^rt-ioffiqorifi^atd..:rlza/^zozq q{ScTrqrtt}
	6. u-tgoftrinn3rifi⁶¹5cq ernn<tfuenil<-oqqo1^3r-5qReftfr
	3rNfu-or<-srPror{r,{di^(qc)il-{r srrerTF{rf,14.02.2023^qTRdfuqT^{qrt 's^{3rt}.(f,q.Tole-E€ra-<rsffiBqlgM}
	ftqr<-{r)ftHnBnfrtn roenter

Usha Devi Chouksey versus LIC Housing Finance Ltd. — DRT (2024) — LawSathi Research

¶12

DATE	DESCRIPTION OF,THE ORDER	REMARK
	R-flo14.02.2023o-rgri.rfiqTgfl o-rgq^qiDR"Twgdo{itu}quffi-q g3tTt,e-flTrfr o-sfuqrfi frq1^q-q1t'ilerqrEtrrq BI
	t. Er^3trqTRiq{3ir}@seTgxt 3rri<oGn;r<ffidrlqqq-{drflQr fuqer-rT3il-n({q-rE(o-{fi+oqerflffi qriorWqcDYUIgurds w i3iqrior 3t-5iqfu-qTrrqltI
	8. ror+tfrfuffiqe{andgM ftaqerqr3[i<-{a-Tqqrqffioza.oo. zozqdytr6tormddinur"uo
	o-{dEqGrr]E-{o-Tfrl)qfrrflrrrrr Bfu{r-.DTgcq3TTETRtfun-6{fi-d-ili
	dfl-{rar}ffiqurc{frqrrqrihT rq-qror.02.204,ficlofi.0s.2024,R-flo
	21.0s.2024fuflo30.0s.2024TsR-qro 11.06.2024f,rfi-dfrri .d t,p6E 3ra-<o:TUTotTtaTo-fHFrEtqrid qrqqE orf}s-gqSrrqgGrc-ioTmot qmcrtgqq-qrftqTdor-ils={-irTq-rgo TSfu-qT^q-dnfuqTo8.06.2024o.i ts-f,wrfrrr{.arTd{rseTfufuosrile{
	trrgdolkqTo28.06.2024eirrrryf
	e-qrrfizq^qeit6rq4sfuqrgqZtr o-ciweqsrrr'qfuoTd"fu63rlqq"q rqo:sit^qriorc+cfttqrIE-qrd{dt qEoilneo^qateui3rlffio) snr fuqtr

¶16

DATE	DESCRIPTIONOFTHE ORDER	REMARK
	e. sf,.qffi{r{eTr^gt-{rqqlqd{{rq (-imiaT,r./i)nfu(nfrrrofurqrqfr *1g+@-i^3TT/z);roft^qmgnrftfd .rdq'7k{m8.06.2024o1qfrfufu rrgooff^.r{tr
	10.^yc-rqrfrqsT.h13ilcfutfu 3rT-i@^qaienqBil[fdrm-{ure-r1d o-{,Fffiq&TqTfrrd^qdtgrtarrqg5q
	qrrT.6acilqR\o)qaTfiglfrorqerqi
	qr}el.{wgdfrrqTtr{so{TETr<s{ qRqqdrnare-r1dq*r.qft{iflfrrd qrtorcqtqfo-qr.rqrtI
	11.ildd+irca{Til{oerBq-mam qcFrao{qTTqrtfuwcatrnef,qao} n-giftf,Ex.D-{rRqTgRrnBdc}trs fuflo21.02.2024^qrwEsiln_qs-+3iltyr lqiro14.02.2023@-T5FrE3{TI cldlVdld qflFroqftfrEqrw$-{itg3il-}e{ q-{gdfu-qTTqTI ft{lo13.06.2024o) sqTFrds-fteTwe-iw fuflfi21.06.2024 o)noqurnrgf,fuqT.rqrt	{sGTtrr-{ w fuqerqiffiqrtorGrgterfuqT TTIIT I
	i2. s-ocq-ftorBs-fiTgMn-dd qqqtfuo_qefiToil-is-{orNqor-d gqild{sTTqitfu'3il-nffiqeren*eT or"src+idfrEsqqwq-( frdtnqrsft oemFoqrtrTaon}fifrelrt-s-ocat ft-{roe.os.2o24o)endrror ElcT

¶20

DATE	DESCRIPTION OF THE ORDER ts-dsfrqTt,fu-Sd-dd.ihrqftq ftfU^q-6-do1^.r$tr	REMARK
	13.v.rqseT6)E-r-idqrqraorq-{ fu_dT<"-srffi, EdrqrR_d3rrtyT ffrflqt14.02.2023(q+@{/ 1)6-r or-s-di-fi-rorsTqTqrortfuoiltcTo1 oBoroo^qsff.T{ftquftdwgvm x"ft^qe{o)engofr-qTrqT,fu-Surft qasqRerf,c-&tererfdonf+o,lq ot GrlqRarft^qE-r-qr$gfto{eTSB-aGiltyT qft-ogenB,oqqaoeqqEcWr)q-ror tfu-il{f,qfr3ra-<-6^qeTo)q"R-dG{rtfl or^qrfiqNFr{Fqg3nfun-dqrtm q{3{r}<-6qeldfrqsirs&ootrAyr fuflo14.02.2023") g-+Atitguiq onorofnumfo-qr^q.rcrsfuaEi-q-rt
	14.3ri<oqHtrqdt'fl.got ofuor 04frGrftq-d{fuqTtfu 3Trn{mruTo)GiltcTR-qlou.02z023qr grcf+il-fr12.0s.2024o\e-qEqTsq Gil.iEo+rApTffio\o-&eoTqff,'q stiwo-@eflqfa-qdqfiodqrfti GntYT^qrLd+io1urrfirft ftqraq R-flo13.06.2024tn<sup>qflFrf,!-frq]-d, qft .r$,fuEnqofrrd.d fuqe{ql3ni{q frerlc6^qeToloemtfua-flfre-{ri o-flRqTsrnFqreqflereqnfud ritrflderrcnqwenleoqe{.D)oil-Ayr oTErlEongs{flGna-fitoPloo*i

¶24

DATE	DESCR]PTIONOFTHE ORDER drrqeictenil{6o{Fr<ffi terqcr
	tScI:OIYt-cl2r^q-Afirrgofu-qr^(qw
	sil-iq-{dosddmrgSwf,aqo-i
	qfter"rfrrqrqrqTsfud Bfuqr'r+qi
	3ild{fr^qeroi^q6-frerseilteToT srq 6qE3TrI
	1s.eriffi^qefdrrr^q-ttr(qs.g.d
	nrv('+cffi^q/1)(q)d^qqtrrstfi-c-qx 6flfrq1iliTiBe-s2frqr<qclEscerq
	ffio2s.01.2024^gqW{ftfrirqzt.oz. 2024a1^qfuqifid.{of^.dd,Tq
	3rgqTcF=fl-oliilAqlfuerilroqqo<br>
	sftr+tr-s^qffqMdffi-dCE)ilr,
	ftTT+turqr^qMGlrico^qeTifia.-{
	fu-qTt,cqwrrftf,fuqT^qrnirfu
	frtruft=162s.01.2024d^qrq'qt
	Gtriqo^q.eTo\endprorFFTE3net-.ngs
	rlEflfuqzn27.02.2024d^qrqqfr
	kn6$.03z02401frfUfrqrfi
	offitgfrqfRd*,n-+-0s.03.2024
	do3rri@^qHo)06{r{$qti o-T
	3rfl{qkqT^rrqTalT,dfrtrqf,wr}
	R-iTo08.03.2024dTdond-<orrur^q{
	nttrflalfi-f,EGrrd-nn\qRfuqto
	08.03.2024o)fuqf,ftqrfifrfu$
	on-icf,^qao)oiltyroTgnqrfreN
	*io1sqtlnqlof^q.doqerCeoqa
	dftrRqo24.04.2024a-o3TQlfdgrc
	+iffiot4sfuffid 3rfls{]

¶29

DATE DESCRIPTIONOFTHE ORDER 3{tso{"Tdrrqeiqmfivrs$qfiqrd
2oo2d strT^qqr-{q!r{gdo-EqlGrfr{rd
alT,fuEq6q-orqsfr-{drf-{krm
1s.06.2024o\g-sdfrow rlft-ns.
21.06.2024O)r(Edfu-wnq1g,
16.erqsf,{qrftcaofeNr} nqo
frr$d oT o) tsT^qltd(+@{
3R/1)dr;-rt+Eflfe-+o2s.01.2024
of^qh'{J-d-{*,fu,ildcrjr+RfuqTo
02.02.2024^-o-offiqncan@)o-qrriq
tior=ile-sftqrrqTilq{srf,=ilEs
f{qo1202.2024^gqpa-qr\ffi zs.oz.
2024tro rtBs t{flo27.02.2024d
qrwq*R-flo02.03.2024o-6iiErT
fuflo21.0s.2024d^qrrqqt ffi soos
2024{qw+trrTR-flo.so.os.zoz+d
mqqi\f-rTorc.06.2024roo-qrrffi
&^{+e-qftdTdI +En}ot^qfrdrnQr
urcrrfu,,frrrd.q frrd.r}drqR
=ilE-{Tfrqq.^2s.01.2024o<sup>ercr-{"r{rqr
qrioqCan}e6qelo)R-ql.n02.02.24
dWfrs{itrT6rondorcr3rgqTF-a
fuql^q.r}..rl,fulrd3Trrrr{q{wrcro-{i
-r' q-{
srcT^qGqeneiarfde-d-6E&E)"Tt
td^-.;idwenteo^qeida-iT3rdcroT
ealrr^qTqsr-{El-ik{mi)+sftqsd
ere<^q-qrilTu-rgorSfu-qrwiteraih
e-f,wTsr+f$^q6.3,

¶38

DATE ofer-qqr-q)o1qp6q1o-{dgqs-6frts gwtfu-oof,T{tfufrflqtu-rgnor<, 3rfid,3ilt-fifrrwfu,i.ildr),q-dfi ft-Eler^qaiiffiq{frqrqfter*.fuqfr dI^q-qfr{se-m-{qits-d-.qrficeTgM fuoqe{qTGrrtE-{or.r,ftEorf,fioqfrslE fifu-qT^,rz-rtt ' DESCRIPTIONOFTHE ORDER
1e.grTtffirgrrriftegq oedo1 @'rsttovef0-q,rq glgMqrqEqrt fu3rTiffiqelsrrrcigdfu-f,-qerrn orrd<r{GrTqT{&qd,Tfiml{izilrqc-Str
20. S-d-trfs.q3il-il{f,qeTrRrclEd fr--d-qs{flGrr}Eqerr$,.wzaTzozt enqrr${qrqx f}-rr<fuqrwaTttrner fr^q-sfufkdovigqfu eri{oqei gmrffif,rc.06.2024d ffic ys <sifffi,rd.s(q.q.)E'*rcitrdordyr fuflou.02.2023q,tTEqrr-drucrTig wgdc-6-wroTsiqqrflff,tgqGrqsrfu-d q-gsrFrfrlr-drknemr17(1)Hid-ifr-{e 2oo2dGTdfdc-6-{qq-{gf,o-{ttg {!cl,Srq ol{oT g-{rc q-&o-{ff3{Q{h
tr{gd^q-m-qernXrr<}swg-iuTi zilrqqStr
21.^qRuin-qqsqqriEoqeTgRTwgq 9fl.9.625lzoz+erqDilffdfuTfR-dor, urftrcq^qsfr-rrflof^qrfit.t

¶43

OATE	DESCRIPTIONOFTHE ORDER	REMARK
	22.iftrrfr6)ffird^fu-qrqrort fu3na-{cn^qeld^srfqqffiTo<sup>urqgos, orTerTo1cfrdtr-rdslc'fqo-iT-$^qri qs qdqr ffifil-o^glkf,{urqfrt-{flr{s^q 3ic-d--sfuqrurtt
	23. iJ'[q^qfl3Itlfl3IqnT^qqs'E;I ottr
	qRqtqedos,qm-{utfrirqrdsTi r:qqqtstorFr+sr.I-l.q^{tiqqrfu-qrqri} t (mtr+m vto) fffica{Effirtr fi..:nr.fr.q.q.q?i^E-frtr.rd

Usha Devi Chouksey v. LIC Housing Finance Ltd.

A compact analysis

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