Madhya Pradesh High Court

Revision does not lie against awards below statutory limit purely for settling pending legal issues.

Chola Mandlam General Insurance Co.Ltd. vs Ramswaroop Bamne

Madhya Pradesh High CourtJUDGMENT: June 25, 20262 MIN READSOURCE JUDGMENT
THE ORIGINAL LAWLENS SUMMARY
01

Facts

The Petitioner Insurance Company filed a civil revision under Section 115 of the CPC challenging a Claims Tribunal award of ₹72,308/-.

Source reference: para. 1

The Tribunal found the vehicle was operated in breach of policy conditions but applied the "pay and recover" principle.

Source reference: para. 2

The Petitioner argued that following the 2019 Amendment to the Motor Vehicles Act (MVA), Section 149 was renumbered as Section 150, and the provision enabling "pay and recover" was omitted.

Source reference: para. 2

The appeal was filed as a revision because Section 173(2) of the MVA bars statutory appeals for awards below ₹1,00,000/-.

Source reference: para. 5
02

Issues

1. Whether a revision under Section 115 CPC is maintainable against a Motor Accident Claims Tribunal award where a statutory appeal is barred by the threshold limit under Section 173(2) of the MVA.

Source reference: para. 6

2. Whether the Insurance Company can invoke revisional jurisdiction solely to settle a question of law (interpretation of Section 150) despite the low quantum of the award.

Source reference: para. 4/8
03

Law Applied

Section 173(2) of the Motor Vehicles Act, 1988 (as amended in 2019), which bars appeals for disputes below ₹1,00,000/-.

Source reference: para. 5/9

The Five-Judge Special Bench precedent in National Insurance Company v. Shrikant Vinod Tiwari (2007), which held that while a revision under Section 115 CPC is not absolutely barred, it is limited to cases of jurisdictional error, failure of justice, or irreparable injury.

Source reference: para. 6-7

The principle from Nirbhai Singh v. Darshan Singh (2025), stating that parties cannot circumvent statutory appeal bars by invoking supervisory or revisional jurisdictions.

Source reference: para. 9
04

Reasoning

The Court observed that while the Special Bench in Shrikant Vinod Tiwari allows revisions in exceptional circumstances, the current petition did not meet those criteria.

Source reference: para. 8

Although the Petitioner raised a significant legal issue regarding the 2019 Amendment, the Court found that this specific issue is already pending in numerous other appeals before various High Courts and the Supreme Court.

Source reference: para. 8

Consequently, leaving this specific low-quantum award unchallenged would not cause "irreparable injury" or a "failure of justice" as defined by the Special Bench.

Source reference: para. 8

The Court further noted that the litigation costs for this revision would likely exceed the actual award amount, making the exercise economically unviable and an improper use of judicial machinery to bypass the legislative intent of Section 173(2).

Source reference: para. 10
05

Holding

The Court declined to entertain the revision, holding that the Petitioner failed to demonstrate special circumstances necessitating the exercise of revisional jurisdiction over a low-value award.

The revision was dismissed, with liberty to restore only if the claimants cross-appeal for enhancement.

Source reference: para. 11-12
Madhya Pradesh High Court

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Chola Mandlam General Insurance Co.Ltd.vsRamswaroop Bamne

Madhya Pradesh High Court · June 25, 2026

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