01Facts
Niva Bupa challenged an NCDRC order dated 2 July 2026 in a first appeal under Section 19 of the Consumer Protection Act, 1986.
p. 2 · ¶ 6–9The High Court allowed an application for early hearing and, with the parties’ consent, heard the petition finally.
p. 1 · ¶ 1–502Issues
i.Whether a single-member NCDRC Bench could pass a final order in a first appeal under Section 19 of the Consumer Protection Act, 1986
p. 2 · ¶ 7–903Law Applied
Section 20(1-A)(i)–(iii) of the Consumer Protection Act, 1986 provides that the National Commission may exercise its jurisdiction through Benches constituted by the President with one or more members, and prescribes how differences of opinion among Bench members are to be resolved.
p. 2 · ¶ 9The Court read the provision concerning differences of opinion as contemplating a Bench of at least two members for final adjudication, and relied on the Bombay High Court’s decision in Ankita Developers v. Pramod Ghate, 2026 SCC OnLine Bom 10503, which treated a single-member NCDRC order as coram non judice in the circumstances before it.
pp. 3–4 · ¶ 10–11Provisions in the judgment · 2
Consumer Protection Act, 1986 Section 19Section 20
04Reasoning
Although Section 20(1-A)(ii) permits the President to constitute a Bench of one or more members, the Court considered that sub-clause (iii), addressing differences of opinion and majority decisions, envisages at least two members for determining a dispute.
pp. 2–4 · ¶ 8–12Applying that interpretation to the impugned final order, which had been passed by a single-member Bench, the Court held that the order could not be sustained. The respondent’s concession and the Bombay High Court decision supported that conclusion.
pp. 2–4 · ¶ 8–1205Holding
The Court held that the impugned final order, having been passed by a single-member NCDRC Bench, could not stand.
p. 4 · ¶ 12–14It set the order aside and remanded the matter to the NCDRC for fresh consideration in accordance with law; pending applications were also disposed of.
p. 4 · ¶ 12–14Original Court PDF
Niva Bupa Health Insurance Co. Ltd. Formerly Max Bupa Health Ins Co LtdvsVinod Bhola
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