w w w . L a w y e r S e r v i c e s . i n



Union Bank of India, Through Shri R. Rajendra Prasad, Branch Manager, Raichur v/s M/s. Tirumala Enterprises, Raichur


Company & Directors' Information:- PRASAD CORPORATION PRIVATE LIMITED [Active] CIN = U32301TN1994PTC028160

Company & Directors' Information:- A C E ENTERPRISES LIMITED. [Strike Off] CIN = U99999DL1978PLC008942

Company & Directors' Information:- S D T ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U51909DL1996PTC077837

Company & Directors' Information:- P V R ENTERPRISES PRIVATE LIMITED [Active] CIN = U51909TG2008PTC060707

Company & Directors' Information:- G E ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U74899DL1990PTC038443

Company & Directors' Information:- V N ENTERPRISES LTD [Active] CIN = U70109WB1970PLC027719

Company & Directors' Information:- A-I ENTERPRISES PRIVATE LIMITED [Active] CIN = U18101TN2000PTC060136

Company & Directors' Information:- R V J ENTERPRISES PRIVATE LIMITED [Active] CIN = U45206TG2006PTC050234

Company & Directors' Information:- K U ENTERPRISES PRIVATE LIMITED [Active] CIN = U70109MH2001PTC131631

Company & Directors' Information:- A R K ENTERPRISES PRIVATE LIMITED [Active] CIN = U55101TZ1994PTC004792

Company & Directors' Information:- P & Y ENTERPRISES PRIVATE LIMITED [Active] CIN = U61200MH2013PTC244329

Company & Directors' Information:- PRASAD AND CO. PRIVATE LIMITED [Active] CIN = U67120DL1995PTC068088

Company & Directors' Information:- M. PRASAD AND CO LIMITED [Active] CIN = U67120WB1999PLC090325

Company & Directors' Information:- B M G ENTERPRISES LTD [Active] CIN = U51909DL1978PLC009050

Company & Directors' Information:- R D ENTERPRISES PRIVATE LIMITED [Active] CIN = U10101JH1990PTC003941

Company & Directors' Information:- R A V ENTERPRISES PRIVATE LIMITED [Active] CIN = U45201JH1993PTC005351

Company & Directors' Information:- A F ENTERPRISES LIMITED [Active] CIN = L18100DL1983PLC016354

Company & Directors' Information:- A F ENTERPRISES LIMITED [Active] CIN = L65993DL1983PLC016354

Company & Directors' Information:- G V ENTERPRISES PRIVATE LIMITED [Active] CIN = U27202UP2002PTC026893

Company & Directors' Information:- N S P ENTERPRISES [Active] CIN = U85100UP2007NPL033684

Company & Directors' Information:- N S P ENTERPRISES PRIVATE LIMITED [Active] CIN = U85100UP2007PTC033684

Company & Directors' Information:- P C ENTERPRISES PVT LTD [Active] CIN = U70109WB1992PTC056760

Company & Directors' Information:- R S S ENTERPRISES PRIVATE LIMITED [Active] CIN = U27209WB1997PTC085654

Company & Directors' Information:- A P ENTERPRISES PRIVATE LIMITED [Active] CIN = U22012CH1993PTC012939

Company & Directors' Information:- G A ENTERPRISES PRIVATE LIMITED [Active] CIN = U55101DL2000PTC105555

Company & Directors' Information:- J V S ENTERPRISES PRIVATE LIMITED [Converted to LLP and Dissolved] CIN = U51909DL2002PTC115241

Company & Directors' Information:- P AND G ENTERPRISES PRIVATE LIMITED [Active] CIN = U74899DL1989PTC037428

Company & Directors' Information:- J C ENTERPRISES LTD [Active] CIN = U27107ML1996PLC004766

Company & Directors' Information:- R S M ENTERPRISES PRIVATE LIMITED [Active] CIN = U51909MH2005PTC157034

Company & Directors' Information:- R P G ENTERPRISES LIMITED [Active] CIN = U74140MH1988PLC046122

Company & Directors' Information:- A S P ENTERPRISES PRIVATE LIMITED [Active] CIN = U65900MH1996PTC102048

Company & Directors' Information:- C L ENTERPRISES PVT LTD [Active] CIN = U15339WB1990PTC049990

Company & Directors' Information:- N R M ENTERPRISES PRIVATE LIMITED [Active] CIN = U51909DL2013PTC249483

Company & Directors' Information:- K S ENTERPRISES PRIVATE LIMITED [Active] CIN = U74899DL1989PTC037374

Company & Directors' Information:- M J ENTERPRISES PRIVATE LIMITED [Amalgamated] CIN = U22213DL1986PTC217167

Company & Directors' Information:- P S ENTERPRISES PVT LTD [Active] CIN = U51109WB1990PTC050083

Company & Directors' Information:- V V S ENTERPRISES PRIVATE LIMITED [Active] CIN = U52339DL2009PTC188202

Company & Directors' Information:- J K G ENTERPRISES PRIVATE LIMITED [Active] CIN = U51909DL2005PTC140641

Company & Directors' Information:- R A ENTERPRISES PRIVATE LIMITED [Active] CIN = U74899DL1995PTC071831

Company & Directors' Information:- B H ENTERPRISES PRIVATE LIMITED [Active] CIN = U24100AS2000PTC006201

Company & Directors' Information:- B H ENTERPRISES PRIVATE LIMITED [Active] CIN = U24211AS2000PTC006201

Company & Directors' Information:- S S ENTERPRISES PRIVATE LIMITED [Active] CIN = U70103DL1996PTC082981

Company & Directors' Information:- N C P ENTERPRISES LIMITED [Dissolved] CIN = U51909GJ1980PLC004053

Company & Directors' Information:- K P S ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U17115TZ2003PTC010631

Company & Directors' Information:- N H B ENTERPRISES PRIVATE LIMITED [Active] CIN = U51496MH1994PTC081566

Company & Directors' Information:- S R K ENTERPRISES PRIVATE LIMITED [Active] CIN = U67190TN1995PTC032355

Company & Directors' Information:- D P R ENTERPRISES PRIVATE LIMITED [Active] CIN = U93000UP2010PTC040957

Company & Directors' Information:- A .R. S. ENTERPRISES PRIVATE LIMITED [Active] CIN = U51909DL2004PTC131293

Company & Directors' Information:- H M ENTERPRISES LIMITED [Active] CIN = U74899DL1995PLC064371

Company & Directors' Information:- A A B ENTERPRISES PRIVATE LIMITED. [Amalgamated] CIN = U93091HR2006PTC052408

Company & Directors' Information:- A M C ENTERPRISES PRIVATE LIMITED [Active] CIN = U51909DL2005PTC142996

Company & Directors' Information:- R K P ENTERPRISES PRIVATE LIMITED [Converted to LLP] CIN = U51909DL2005PTC143433

Company & Directors' Information:- R C ENTERPRISES PRIVATE LIMITED [Under Liquidation] CIN = U51909DL2009PTC192906

Company & Directors' Information:- J V ENTERPRISES PRIVATE LIMITED [Active] CIN = U70100TG2004PTC044824

Company & Directors' Information:- V. R. N. ENTERPRISES PRIVATE LIMITED [Active] CIN = U17111KA2004PTC033705

Company & Directors' Information:- J D ENTERPRISES PVT LTD [Active] CIN = U70200WB1991PTC053918

Company & Directors' Information:- H B ENTERPRISES PRIVATE LIMITED [Active] CIN = U51909PB1983PTC005688

Company & Directors' Information:- S R N ENTERPRISES PRIVATE LIMITED [Active] CIN = U51225WB1999PTC089730

Company & Directors' Information:- I. D. ENTERPRISES PRIVATE LIMITED [Active] CIN = U51909AS2009PTC008949

Company & Directors' Information:- V I C ENTERPRISES PRIVATE LTD. [Active] CIN = U74899DL1979PTC021613

Company & Directors' Information:- V I C ENTERPRISES PRIVATE LTD. [Active] CIN = U65100DL1979PTC021613

Company & Directors' Information:- A. R. E. ENTERPRISES PRIVATE LIMITED [Active] CIN = U31903MH2014PTC252733

Company & Directors' Information:- A N ENTERPRISES PRIVATE LIMITED [Active] CIN = U74899DL1982PTC013084

Company & Directors' Information:- S. U. ENTERPRISES PRIVATE LIMITED [Active] CIN = U92419MH1998PTC117411

Company & Directors' Information:- N S V ENTERPRISES PVT LTD [Amalgamated] CIN = U01122WB1994PTC062962

Company & Directors' Information:- D A D ENTERPRISES PRIVATE LIMITED [Active] CIN = U74140DL2002PTC117303

Company & Directors' Information:- A S K N ENTERPRISES PRIVATE LIMITED [Active] CIN = U05520TZ1996PTC007203

Company & Directors' Information:- A S N ENTERPRISES PRIVATE LIMITED [Active] CIN = U51410DL1998PTC097696

Company & Directors' Information:- M Y L D ENTERPRISES PRIVATE LIMITED [Active] CIN = U51909DL2010PTC204302

Company & Directors' Information:- M-I ENTERPRISES (INDIA) PRIVATE LIMITED [Active] CIN = U00000DL2001PTC110151

Company & Directors' Information:- A-I ENTERPRISES PRIVATE LIMITED [Active] CIN = U17121TN2000PTC061004

Company & Directors' Information:- E F Y ENTERPRISES PRIVATE LIMITED [Active] CIN = U74899DL1979PTC009763

Company & Directors' Information:- D R S ENTERPRISES LIMITED [Active] CIN = U74999DL1996PLC077399

Company & Directors' Information:- J M ENTERPRISES PRIVATE LIMITED [Active] CIN = U51101RJ1992PTC006479

Company & Directors' Information:- N V ENTERPRISES PVT LTD [Active] CIN = U27106PB1991PTC011233

Company & Directors' Information:- R. J. S. ENTERPRISES PRIVATE LIMITED [Active] CIN = U51109OR2009PTC010884

Company & Directors' Information:- B P R ENTERPRISES PRIVATE LIMITED [Active] CIN = U01222TG1999PTC031011

Company & Directors' Information:- S A ENTERPRISES PRIVATE LIMITED [Active] CIN = U01135UP1993PTC015379

Company & Directors' Information:- C & C ENTERPRISES PRIVATE LIMITED [Active] CIN = U31909TG1992PTC014513

Company & Directors' Information:- I & S ENTERPRISES PRIVATE LIMITED [Active] CIN = U52324WB2001PTC093497

Company & Directors' Information:- J B M ENTERPRISES LIMITED [Active] CIN = U45202MH1997PLC250208

Company & Directors' Information:- G R A ENTERPRISES PRIVATE LIMITED [Active] CIN = U72300DL2007PTC168866

Company & Directors' Information:- S D ENTERPRISES LIMITED [Strike Off] CIN = U15311AS1988PLC002871

Company & Directors' Information:- A G M ENTERPRISES PRIVATE LIMITED [Active] CIN = U36101DL2010PTC208665

Company & Directors' Information:- K K ENTERPRISES PVT LTD [Strike Off] CIN = U51909GJ1985PTC008150

Company & Directors' Information:- M R B ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U72300AS1999PTC005784

Company & Directors' Information:- D E ENTERPRISES PVT LTD [Strike Off] CIN = U18101DL1980PTC010963

Company & Directors' Information:- A K M ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U27104TN1987PTC013970

Company & Directors' Information:- S. V. J. ENTERPRISES PRIVATE LIMITED [Active] CIN = U15400MH2009PTC196514

Company & Directors' Information:- J A ENTERPRISES PRIVATE LIMITED [Active] CIN = U05110KA1991PTC043832

Company & Directors' Information:- A R S ENTERPRISES PRIVATE LIMITED [Active] CIN = U15133UP1997PTC022103

Company & Directors' Information:- L R ENTERPRISES PRIVATE LIMITED [Active] CIN = U33110MH1997PTC109338

Company & Directors' Information:- A K ENTERPRISES PRIVATE LIMITED [Active] CIN = U45400WB2013PTC198036

Company & Directors' Information:- S M B ENTERPRISES PRIVATE LIMITED [Active] CIN = U51391MH2002PTC134698

Company & Directors' Information:- V M I ENTERPRISES PRIVATE LIMITED [Active] CIN = U45203UP1988PTC009310

Company & Directors' Information:- A I S ENTERPRISES LIMITED [Active] CIN = U51900GJ2011PLC066096

Company & Directors' Information:- V M ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U45201DL1996PTC079815

Company & Directors' Information:- T. M. ENTERPRISES PRIVATE LIMITED [Active] CIN = U22219MH1995PTC094697

Company & Directors' Information:- T R ENTERPRISES PVT LTD [Active] CIN = U93000TG1967PTC001167

Company & Directors' Information:- B L K ENTERPRISES PRIVATE LIMITED [Active] CIN = U51909DL2005PTC140921

Company & Directors' Information:- M R ENTERPRISES PRIVATE LIMITED [Active] CIN = U74120DL2007PTC161331

Company & Directors' Information:- G. S. ENTERPRISES PRIVATE LIMITED [Active] CIN = U51101RJ1994PTC009059

Company & Directors' Information:- R S ENTERPRISES PVT LTD [Active] CIN = U15319AS1993PTC003860

Company & Directors' Information:- A J ENTERPRISES LTD [Active] CIN = U01132WB1984PLC037219

Company & Directors' Information:- H R ENTERPRISES PRIVATE LIMITED [Active] CIN = U74899DL1990PTC042553

Company & Directors' Information:- G. L. K. ENTERPRISES PRIVATE LIMITED [Active] CIN = U85194UP2007PTC032707

Company & Directors' Information:- J. H. ENTERPRISES (INDIA) PRIVATE LIMITED [Active] CIN = U74140WB2009PTC132784

Company & Directors' Information:- B. A. ENTERPRISES PVT LTD [Active] CIN = U17121WB1995PTC072864

Company & Directors' Information:- K C ENTERPRISES PVT LTD [Active] CIN = U55101AS1993PTC003903

Company & Directors' Information:- S P ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U45201UP1993PTC015350

Company & Directors' Information:- R K ENTERPRISES PVT LTD [Active] CIN = U51909CH1984PTC005941

Company & Directors' Information:- V. A. R. ENTERPRISES PRIVATE LIMITED [Active] CIN = U74900UP2010PTC039541

Company & Directors' Information:- V K ENTERPRISES PVT LTD [Strike Off] CIN = U92490HP1983PTC005415

Company & Directors' Information:- G P ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U74210PB1998PTC021819

Company & Directors' Information:- R K ENTERPRISES PVT LTD [Active] CIN = U51901HR1985PTC020754

Company & Directors' Information:- S N ENTERPRISES PVT LTD [Under Liquidation] CIN = U51109WB1985PTC038885

Company & Directors' Information:- M. V. ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U74140UP1996PTC019432

Company & Directors' Information:- A J ENTERPRISES PVT LTD [Active] CIN = U51109WB1994PTC065179

Company & Directors' Information:- P P ENTERPRISES PVT LTD [Active] CIN = U51101RJ1984PTC002943

Company & Directors' Information:- Y P ENTERPRISES PRIVATE LIMITED [Active] CIN = U29199HR1999PTC034285

Company & Directors' Information:- V R ENTERPRISES PVT LTD [Strike Off] CIN = U70101WB1991PTC052971

Company & Directors' Information:- Z S ENTERPRISES PRIVATE LIMITED [Active] CIN = U51109WB1997PTC084684

Company & Directors' Information:- M D ENTERPRISES PVT LTD [Active] CIN = U63021AS1984PTC002250

Company & Directors' Information:- C S A ENTERPRISES PRIVATE LIMITED [Converted to LLP] CIN = U51909DL2004PTC130092

Company & Directors' Information:- K K ENTERPRISES LTD [Strike Off] CIN = U52110PB1985PLC006360

Company & Directors' Information:- H. H. ENTERPRISES PRIVATE LIMITED [Converted to LLP and Dissolved] CIN = U74899DL1995PTC068489

Company & Directors' Information:- H G ENTERPRISES PRIVATE LIMITED [Active] CIN = U74899DL1990PTC040432

Company & Directors' Information:- S D ENTERPRISES PVT LTD [Strike Off] CIN = U92490PB1982PTC004802

Company & Directors' Information:- D K S ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U74899DL2005PTC143694

Company & Directors' Information:- A TO Z ENTERPRISES PVT LTD [Strike Off] CIN = U63090WB1990PTC050460

Company & Directors' Information:- U & N ENTERPRISES PRIVATE LIMITED [Active] CIN = U74999DL2014PTC268359

Company & Directors' Information:- I. K. B. ENTERPRISES PRIVATE LIMITED [Active] CIN = U74900MH2010PTC198790

Company & Directors' Information:- B. G. H. ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U51500TG1997PTC027560

Company & Directors' Information:- K D R ENTERPRISES PRIVATE LIMITED [Active] CIN = U52335DL1993PTC052479

Company & Directors' Information:- S R K ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U45203TZ2008PTC014372

Company & Directors' Information:- G R V ENTERPRISES PRIVATE LIMITED [Active] CIN = U74900TN2009PTC072774

Company & Directors' Information:- S 2 ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U74900MH2010PTC205227

Company & Directors' Information:- S H ENTERPRISES INDIA PRIVATE LIMITED [Strike Off] CIN = U74990TG2009PTC063640

Company & Directors' Information:- A R A ENTERPRISES PRIVATE LIMITED. [Active] CIN = U51109WB1989PTC046354

Company & Directors' Information:- S. I. D. ENTERPRISES PRIVATE LIMITED [Active] CIN = U45309JH2017PTC009780

Company & Directors' Information:- H P S ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U74899DL1994PTC060345

Company & Directors' Information:- M R M ENTERPRISES PRIVATE LIMITED [Active] CIN = U51909DL2003PTC118631

Company & Directors' Information:- N B S ENTERPRISES PRIVATE LIMITED [Under Process of Striking Off] CIN = U74899DL2000PTC107263

Company & Directors' Information:- W. G. ENTERPRISES PRIVATE LIMITED [Active] CIN = U22190HR2011PTC042796

Company & Directors' Information:- A V V ENTERPRISES PRIVATE LIMITED [Active] CIN = U72200DL2007PTC161837

Company & Directors' Information:- S AND G ENTERPRISES PRIVATE LIMITED [Active] CIN = U17111TZ1994PTC005310

Company & Directors' Information:- M J F ENTERPRISES PRIVATE LIMITED [Active] CIN = U74120UP2009PTC036787

Company & Directors' Information:- K M B ENTERPRISES PRIVATE LIMITED [Active] CIN = U40200WB2000PTC092367

Company & Directors' Information:- A AND L ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U74900TN2010PTC074123

Company & Directors' Information:- U AND M ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U74999DL2015PTC281503

Company & Directors' Information:- A. B. P. ENTERPRISES PRIVATE LIMITED [Active] CIN = U51109DL2007PTC170792

Company & Directors' Information:- K S R ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U51219AP1999PTC030831

Company & Directors' Information:- B D A ENTERPRISES PRIVATE LIMITED [Active] CIN = U51109UP2002PTC027054

Company & Directors' Information:- D G ENTERPRISES PRIVATE LIMITED [Active] CIN = U32309WB1997PTC082590

Company & Directors' Information:- G AND S ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U74899DL1993PTC052367

Company & Directors' Information:- U K ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U51909WB1997PTC084568

Company & Directors' Information:- B N M ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U51900DL2010PTC205988

Company & Directors' Information:- G R N ENTERPRISES PRIVATE LIMITED [Converted to LLP and Dissolved] CIN = U92490TN1964PTC005216

Company & Directors' Information:- D S R ENTERPRISES PVT. LTD [Active] CIN = U51101RJ1993PTC007899

Company & Directors' Information:- M J P ENTERPRISES PRIVATE LIMITED [Active] CIN = U29120TZ2013PTC019321

Company & Directors' Information:- P. L. J. ENTERPRISES PRIVATE LIMITED [Under Process of Striking Off] CIN = U74140DL2010PTC202207

Company & Directors' Information:- A V K ENTERPRISES PRIVATE LIMITED [Active] CIN = U29199TZ1999PTC008933

Company & Directors' Information:- K & Y ENTERPRISES PRIVATE LIMITED [Active] CIN = U65993TZ1981PTC014822

Company & Directors' Information:- A G ENTERPRISES PVT LTD [Strike Off] CIN = U45209WB1991PTC051613

Company & Directors' Information:- H AND S ENTERPRISES PRIVATE LIMITED [Active] CIN = U74899DL1991PTC045427

Company & Directors' Information:- S P B ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U22110DL2005PTC140152

Company & Directors' Information:- B K ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U24292OR1987PTC001918

Company & Directors' Information:- P S V ENTERPRISES PRIVATE LIMITED [Active] CIN = U20299DL2012PTC231421

Company & Directors' Information:- P V H ENTERPRISES PVT LTD [Active] CIN = U51109WB1993PTC061255

Company & Directors' Information:- C S V ENTERPRISES LIMITED [Strike Off] CIN = U17111TZ1995PLC006765

Company & Directors' Information:- W D ENTERPRISES PRIVATE LIMITED [Active] CIN = U51909MH2001PTC133197

Company & Directors' Information:- S K E W ENTERPRISES INDIA PRIVATE LIMITED [Active] CIN = U74999TG2010PTC068460

Company & Directors' Information:- P J ENTERPRISES PRIVATE LIMITED [Active] CIN = U24249KA1996PTC020563

Company & Directors' Information:- K K R ENTERPRISES PRIVATE LIMITED [Active] CIN = U74999TG2007PTC056776

Company & Directors' Information:- G R D ENTERPRISES PRIVATE LIMITED [Active] CIN = U29191TZ1980PTC000924

Company & Directors' Information:- C N ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U45202MH1997PTC109277

Company & Directors' Information:- E M K V ENTERPRISES PRIVATE LIMITED [Active] CIN = U51909TZ2004PTC011336

Company & Directors' Information:- A S A ENTERPRISES PVT LTD [Strike Off] CIN = U51909PB1984PTC005795

Company & Directors' Information:- N N ENTERPRISES PRIVATE LIMITED [Active] CIN = U51909DL1991PTC045087

Company & Directors' Information:- D F S ENTERPRISES PRIVATE LIMITED [Active] CIN = U63023DL1998PTC096340

Company & Directors' Information:- L N ENTERPRISES PRIVATE LIMITED [Active] CIN = U29299MH1998PTC116747

Company & Directors' Information:- J K AND P ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U51101TN2009PTC071366

Company & Directors' Information:- D V ENTERPRISES PRIVATE LIMITED [Active] CIN = U74899DL1995PTC066850

Company & Directors' Information:- P H ENTERPRISES PRIVATE LIMITED [Active] CIN = U74899DL1995PTC066862

Company & Directors' Information:- E M C ENTERPRISES PRIVATE LIMITED [Active] CIN = U52190TN2015PTC103136

Company & Directors' Information:- G T S ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U74900TN2014PTC096803

Company & Directors' Information:- R J ENTERPRISES PRIVATE LIMITED [Active] CIN = U45200MH2009PTC193299

Company & Directors' Information:- S F ENTERPRISES PRIVATE LIMITED [Active] CIN = U36999MH2010PTC198980

Company & Directors' Information:- I J ENTERPRISES PRIVATE LIMITED [Converted to LLP and Dissolved] CIN = U74999MH2008PTC182242

Company & Directors' Information:- J AND P ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U51909TN2006PTC059608

Company & Directors' Information:- C AND G ENTERPRISES PRIVATE LIMITED [Active] CIN = U72200TG2012PTC080860

Company & Directors' Information:- A N S ENTERPRISES PRIVATE LIMITED [Active] CIN = U74900TG2008PTC058073

Company & Directors' Information:- L S ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U93000TN2012PTC084045

Company & Directors' Information:- A L B ENTERPRISES (INDIA) PRIVATE LIMITED [Active] CIN = U65192TG2013PTC089836

Company & Directors' Information:- K. E. ENTERPRISES PRIVATE LIMITED [Active] CIN = U74900UP2009PTC038446

Company & Directors' Information:- M B ENTERPRISES PRIVATE LIMITED [Active] CIN = U51109WB1997PTC086047

Company & Directors' Information:- J G ENTERPRISES PRIVATE LIMITED [Active] CIN = U70101JH2014PTC002000

Company & Directors' Information:- D AND B ENTERPRISES PRIVATE LIMITED [Active] CIN = U74140DL2006PTC147729

Company & Directors' Information:- F C ENTERPRISES PRIVATE LIMITED [Active] CIN = U51909DL2004PTC124439

Company & Directors' Information:- M Y ENTERPRISES INDIA PRIVATE LIMITED [Active] CIN = U51909DL2005PTC143639

Company & Directors' Information:- L. P. J. ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U51909DL2010PTC203424

Company & Directors' Information:- A J W ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U74120DL2008PTC179344

Company & Directors' Information:- O. B. ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U51109DL2008PTC176219

Company & Directors' Information:- S H A ENTERPRISES PRIVATE LIMITED [Active] CIN = U45200DL2011PTC215352

Company & Directors' Information:- M. G. ENTERPRISES PRIVATE LIMITED [Active] CIN = U24220GJ2011PTC068216

Company & Directors' Information:- V S R ENTERPRISES PRIVATE LIMITED [Active] CIN = U67120KA2008PTC047127

Company & Directors' Information:- R M ENTERPRISES PRIVATE LIMITED [Active] CIN = U72200GJ1989PTC012982

Company & Directors' Information:- K AND F ENTERPRISES (INDIA) PRIVATE LIMITED [Active] CIN = U52335KL2011PTC028113

Company & Directors' Information:- U. C. ENTERPRISES PRIVATE LIMITED [Active] CIN = U52392AP1998PTC028799

Company & Directors' Information:- S P G ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U32201TN1996PTC037227

Company & Directors' Information:- A M S ENTERPRISES (INDIA) PRIVATE LIMITED [Strike Off] CIN = U99999DL1992PTC050521

Company & Directors' Information:- S M ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U45201PB1990PTC010064

Company & Directors' Information:- B K G ENTERPRISES PVT LTD [Strike Off] CIN = U51909WB1996PTC079895

Company & Directors' Information:- P P M ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U25209DL1996PTC077465

Company & Directors' Information:- N S A ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U51909DL1994PTC063259

Company & Directors' Information:- B R A ENTERPRISES PVT LTD [Strike Off] CIN = U92111DL1982PTC013169

Company & Directors' Information:- P R D ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U27109PY2008PTC002198

Company & Directors' Information:- M S ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U51909TN1990PTC018668

Company & Directors' Information:- M S M ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U70101TN2000PTC044929

Company & Directors' Information:- P P I ENTERPRISES PVT LTD [Strike Off] CIN = U31909DL1982PTC013281

Company & Directors' Information:- S I ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U45201GJ2008PTC055524

Company & Directors' Information:- M G C ENTERPRISES PVT LTD [Strike Off] CIN = U74899DL1982PTC013177

Company & Directors' Information:- M P S ENTERPRISES PVT LTD [Strike Off] CIN = U51102OR1981PTC000972

Company & Directors' Information:- RAJENDRA LIMITED [Strike Off] CIN = U99999KA1943PLC000306

Company & Directors' Information:- R J J ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U51909BR2012PTC017965

Company & Directors' Information:- M D M ENTERPRISES PRIVATE LIMITED [Active] CIN = U74200HR2015PTC057674

Company & Directors' Information:- B. M. J. ENTERPRISES PRIVATE LIMITED [Active] CIN = U16004RJ2018PTC062744

Company & Directors' Information:- M K ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U74899DL1981PTC011755

Company & Directors' Information:- U A ENTERPRISES PRIVATE LIMITED [Active] CIN = U15201DL2014PTC274573

Company & Directors' Information:- Q R ENTERPRISES PVT LTD [Strike Off] CIN = U51900WB1992PTC028420

Company & Directors' Information:- N BANK LTD [Strike Off] CIN = U65191WB1924PLC000442

Company & Directors' Information:- B N ENTERPRISES PRIVATE LIMITED [Active] CIN = U74899DL1978PTC008939

Company & Directors' Information:- C E ENTERPRISES PRIVATE LIMITED [Active] CIN = U52100DL2014PTC268041

Company & Directors' Information:- M M ENTERPRISES PVT LTD [Strike Off] CIN = U51101RJ1980PTC002133

Company & Directors' Information:- K M ENTERPRISES PVT LTD [Strike Off] CIN = U60231DL1981PTC011652

Company & Directors' Information:- B J ENTERPRISES PRIVATE LIMITED [Converted to LLP] CIN = U51909GJ1988PTC010726

Company & Directors' Information:- S B ENTERPRISES PVT LTD [Strike Off] CIN = U51900MH1953PTC009190

Company & Directors' Information:- R L ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U52110TZ1983PTC001250

Company & Directors' Information:- A. G. ENTERPRISES (INDIA) PRIVATE LIMITED [Strike Off] CIN = U52100TG2015PTC097694

Company & Directors' Information:- A & A ENTERPRISES PVT LTD [Strike Off] CIN = U51109WB1959PTC024188

Company & Directors' Information:- V. K. J. ENTERPRISES PRIVATE LIMITED [Active] CIN = U52609MH2016PTC288492

Company & Directors' Information:- D H H ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U74900PB2015PTC039490

Company & Directors' Information:- K & A ENTERPRISES PRIVATE LIMITED [Under Process of Striking Off] CIN = U17259PB2013PTC037479

Company & Directors' Information:- K V ENTERPRISES PRIVATE LTD [Active] CIN = U24299PB1982PTC005026

Company & Directors' Information:- TIRUMALA ENTERPRISES PRIVATE LIMITED [Active] CIN = U70101RJ2012PTC039160

Company & Directors' Information:- R I ENTERPRISES PRIVATE LIMITED [Active] CIN = U52300TN2013PTC089327

Company & Directors' Information:- V. AND V. ENTERPRISES PRIVATE LIMITED [Active] CIN = U01110PN2016PTC164318

Company & Directors' Information:- B & B ENTERPRISES INDIA PRIVATE LIMITED [Active] CIN = U74900MH2013PTC246579

Company & Directors' Information:- S S Q ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U74999MH2014PTC252816

Company & Directors' Information:- N W ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U51109TG2014PTC097066

Company & Directors' Information:- A R ENTERPRISES PRIVATE LIMITED [Active] CIN = U70102TG2014PTC095273

Company & Directors' Information:- U S D INDIA ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U45400UP2013PTC057613

Company & Directors' Information:- R N T ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U51101UP2013PTC054959

Company & Directors' Information:- K B D ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U51900CH2013PTC034347

Company & Directors' Information:- D M ENTERPRISES PRIVATE LIMITED [Active] CIN = U45201CH1997PTC020331

Company & Directors' Information:- J B V ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U72900DL2013PTC254493

Company & Directors' Information:- M. S. Y. ENTERPRISES PRIVATE LIMITED [Active] CIN = U45309DL2017PTC311166

Company & Directors' Information:- S D G ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U51900DL2012PTC232380

Company & Directors' Information:- V & I ENTERPRISES PRIVATE LIMITED [Active] CIN = U36102DL2013PTC248294

Company & Directors' Information:- N K R ENTERPRISES PRIVATE LIMITED [Active] CIN = U74900AP2012PTC083761

Company & Directors' Information:- T. A. ENTERPRISES PRIVATE LIMITED [Active] CIN = U52100BR2013PTC021701

Company & Directors' Information:- Y K ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U74910HR2012PTC046747

Company & Directors' Information:- S B B ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U93010KL2013PTC035106

Company & Directors' Information:- V U E ENTERPRISES PRIVATE LIMITED [Active] CIN = U31909RJ2020PTC071099

Company & Directors' Information:- H PRASAD & CO PVT LTD [Strike Off] CIN = U51109WB1944PTC011797

Company & Directors' Information:- H M C ENTERPRISES PRIVATE LIMITED [Strike Off] CIN = U70200MH1999PTC119300

Company & Directors' Information:- RAJENDRA CORPORATION PRIVATE LIMITED [Strike Off] CIN = U17219TZ1948PTC000161

Company & Directors' Information:- CORPORATION BANK LIMITED [Strike Off] CIN = U99999KA1972PLC001067

    Revision Petition No. 3027 of 2015

    Decided On, 30 June 2020

    At, National Consumer Disputes Redressal Commission NCDRC

    By, THE HONOURABLE MR. PREM NARAIN
    By, PRESIDING MEMBER

    For the Petitioner: O.P. Gaggar, Advocate. For the Respondent: Sneha R. Iyer, NIshanth Patil, Ananthu Advocates.



Judgment Text


This revision petition has been filed by the petitioner Union Bank of India against the order dated 02.02.2015 of the State Consumer Disputes Redressal Commission, Karnataka (in short ‘the State Commission’) passed in Appeal No.126/2011.

2. Brief facts of the case are that complainant/respondent is a partnership firm carrying out the business of distribution of pharmaceutical products. Complainant obtained credit loan facility with opposite party and as per the condition of loan, stock-in-trade of the complainant were hypothecated to opposite party vide hypothecation agreement dated 21.07.2004. Bank used to deduct the premium amount regularly from the account of complainant and paid the same to insurance company. On 7.6.2008/8.6.2008, there was theft in the shop and goods worth Rs.6,58,647/- were stolen. Immediately, complainant lodged an FIR at Police Station. After the investigation, the police have submitted the final report to the Prl. Civil Judge and JMFC Raichur. As the stolen goods were not recovered, the complainant wrote a letter dated 21.4.2009 to opposite party and urged to pay a sum of Rs.6,58,647/- through insurance company. Complainant came to know that opposite party had failed to renew the insurance policy and as such, the insurance was not in force as on the date of commission of theft. The complainant then filed a consumer complaint before the District Forum against the opposite party Bank. District Forum vide order dated 30.08.2010 dismissed the complaint as there was no deficiency in services on the part of the opposite party. Aggrieved with the order of the District Forum the complainant preferred an appeal before the State Commission. State Commission vide its order dated 02.02.2015 allowed the appeal of the complainant and directed OP to pay a sum of Rs.6,58,647/- with interest @ 12% p.a.

3. Hence the present revision petition.

4. Heard the learned counsel for the parties. The learned counsel for the petitioner stated that as per hypothecation agreement it is the duty of the loanee that he should get the hypothecated goods insured as per Clause 10(i) of the hypothecation agreement, which reads as under:-

“10 (i) The Borrower shall at all times during the continuance of this security and from time to time insure the said goods and keep them insured against loss or damage by fire, lightening, riot, civil commotion, strike or any other risks as may be required by the Bank or by law in the joint names of the Borrower and the Bank with insurance companies previously approved of in writing by the Bank to the extent of at least 10% in excess of full marketable value of the said goods as determined by the Bank in its sole discretion and punctually pay the premia due for such insurance and that the cover note/s, insurance policy/polices or certificate/s shall be delivered to the Bank.

5. The clause 10(ii) of the Hypothecation agreement reads as under:

“10. (ii) if the Borrower fails to effect such insurance the Bank may, but without being bound to do so, insure the said goods against any one or more of the aforesaid risks as may be deemed necessary by the Bank in its absolute discretion either in its sole name or in the joint names of the Borrower and the Bank and debit the premia and other charges to such account or accounts as aforesaid.”

6. Learned counsel argued that from above clause it is clear that the bank will get the insurance if the borrower fails to insure the hypothecated goods. However, it is not the primary duty of the bank to get the hypothecated goods insured. The District Forum has correctly appreciated the facts of the case and the law involved in the matter and has rightly dismissed the complaint. The State Commission, however, has allowed the complaint observing the deficiency in service on the part of the bank. The bank is not the insurer and even if there is some deficiency on the part of the bank, insurance amount cannot be ordered to be paid to the complainant. Moreover, the loss has not been assessed by any surveyor and the State Commission has allowed the total claim of the complainant as asked by the complainant.

7. In support of his contention, the learned counsel for the petitioner referred to the following judgments:-

“1. HDFC Bank Ltd. Vs. Kumari Reshma & Ors., AIR 2015 SC 290.

2. Sutlej Industries Ltd. Vs. Punjab National Bank, FA No.306 of 2012, decided on 08.11.2017 (NC)

3. Union Bank of India & anr. Vs. M/s. Learning Spiral Pvt. Ltd. & Ors., RP No.1750 of 2017, decided on 30.07.2018.”

8. On the other hand learned counsel for the respondent/complainant stated that the bank was taking the insurance every year and was deducting the premium from the loan account of the respondent. However, the bank did not take the insurance policy after October, 2007 and theft occurred on June, 2008 and thus, the goods hypothecated were not covered under the insurance at the time of theft. As the bank was taking insurance for the hypothecated goods every year, it was expected of them to have taken insurance after 2007 also. The hypothecation agreement, though states that borrower will arrange for the insurance but, as the bank was arranging insurance on their own after deducting the premium from the loan account of the complainant, there was no occasion for the complainant to have taken the insurance independently. Otherwise also clause 10(ii) requires that if the borrower does not take insurance then the bank will take the insurance for the hypothecated goods. Thus, the bank has failed in its duty to take the insurance for hypothecated goods and the bank is liable to recoup the loss suffered by the complainant as a result of theft. The State Commission has rightly decided that there was deficiency in service on the part of the bank and the amount involved in the theft has rightly been ordered to be paid by the bank to the complainant.

9. In support of her contention, the learned counsel for the respondent referred to the following judgments:-

“1. Rajgarh Sehore Kshtriya Gramin Bank Vs. Ramgopal & Ors, III (2006) CPJ 300 (NC)

2. Shree Kalyan Ayurvedic Pharmacy Vs. Commercial Co-operative Bank Ltd., IV (2007) CPJ 127 (NC)

3. Corporation Bank Vs. Sandhya Shenoy & Ors., I (2009) CPJ 34 (NC).”

10. I have carefully considered the arguments advanced by the learned counsel for both the parties and examined the record. From the record, it is seen that the bank had taken the insurance in the year 2005 and premium was paid in October, 2005. Next year also the premium was paid in October, 2006 and the insurance was valid till October 2007. However, it seems that no premium has been paid after October, 2007 and theft happened in June, 2008 when the hypothecated goods were not covered under insurance. Clearly, the clause 10(i) of the hypothecation agreement casts duty on the borrower to take the insurance for the hypothecated goods in the joint name of the bank and the borrower. Thus, the primary duty to obtain the insurance of the hypothecated goods is of the borrower and Clause 10(ii) of the hypothecation agreement only provides that if the borrower does not obtain the insurance of the hypothecated goods as per clause 10(i), then the bank may, but without being bound to do so, insure the said goods. Thus, it is clear that the bank is not bound to get the hypothecated goods insured, but the bank in its interest may insure the said goods. Thus, two things are clear from clause 10 (i) & (ii). The first is that it is the primary duty of the borrower to obtain the insurance for the hypothecated goods and the second is that the bank has discretion to obtain the insurance for the hypothecated goods, if the borrower does not insure the same. In Syndicate Bank Vs. Nagarath Mechanical works and Anr. Appeal No.166 of 2006 decided on 31.05.2011, 2011 (3) CPC 376 (NC) this Commission observed that bank will not be liable for purchase of insurance policy on behalf of the borrower. Similarly in HDFC Bank Ltd. Vs. Kumari Reshma AIR 2015 SC 290, the Hon’ble Supreme Court held that if the borrower failed to insure the vehicle it was absolute fault of owner not the fault of the financer. In Central Bank of India Vs. Jagbir Singh Civil Appeal No.3645 of 2015 decided on 16.04.2015 the Hon’ble Supreme Court of India held that financer/bank is not liable for purchase/renewal of Insurance policy. Thus, even though in the year 2005 and 2006 the premium were deducted by the bank and paid to the insurance company to get insurance, however, in October, 2007 no premium was deducted by the bank and the insurance could not be taken. The complainant also did not bother to effect insurance from October, 2007 till June, 2008. Thus, complainant has also been negligent in the present case and the total responsibility cannot be loaded on the bank only.

11. I agree with the argument of the learned counsel for the petitioner that the bank is not the insurer and under Consumer Protection Act, 1986, the compensation is to be granted on the basis of the deficiency in service if any. This Commission in FA No.601 of 2012, State Bank of Bikaner & Jaipur vs. M/s. Jaishree Industries & Ors. Decided on 18.09.2018 (NC) has reduced the liability of the bank to Rs.8,00,000/- and liability of Insurance Company as nil in a case where the bank and the Insurance Company were held jointly liable to pay the insurance amount of Rs.36,89,345/- as the bank had not corrected the address of the work place.

12. Based on the above discussion, I find that the complainant has been equally negligent in insuring the hypothecated goods as per Clause 10(i) of the hypothecation agreement. Legally the bank is safe in the light of Clause 10(ii) of the hypothecation agreement. However, as the bank was taking insurance for the last two years, it was expected that the bank should have continued with the renewal of insurance. Thus, both the parties have been negligent in getting the hypothecated goods insured. In thes

Please Login To View The Full Judgment!

e circumstances, the bank cannot be asked to compensate the complainant for the total loss suffered, this is another matter that even this loss of Rs.6,58,647/- has not been assessed by any competent person like a surveyor. This being a case of contributory negligence, in my view, a compensation of Rs.2,00,000/- will be reasonable and sufficient. I also find no justification for awarding 12% p.a. interest on the amount of compensation. In my view, interest @8% p.a. shall be sufficient and reasonable. 13. The revision petition No.3027 of 2015 is thus, partly allowed and the petitioner bank is directed to pay Rs.2,00,000/- as compensation to the respondent/complainant instead of Rs.6,58,647/- as ordered by the State Commission. The bank shall also pay interest @8% p.a. on this amount of Rs.2,00,000/- from the date of filing of the complaint i.e. 18.05.2010 instead of 12% p.a. as ordered by the State Commission. This order be complied by the petitioner bank within 45 days of the receipt of this order. The bank will also pay Rs.20,000/- (rupees twenty thousand only) as cost of litigation to the complainant.
O R