SBI seeks recovery of Rs 115 overpaid to senior citizen; consumer court rejects plea

“Considering the excess amount is negligible, this commission is of the considered opinion that no refund is required to be made by the complainant. The plea of the opposite party number 1 (SBI Cards and Payments Services Limited) seeking refund of excess amount is devoid of merit,” the commission said on June 5.

The dispute arose after the consumer forum had earlier directed SBI Cards to pay the complainant Rs 45,000 as compensation and Rs 5,000 towards litigation costs. During execution proceedings, the company claimed it had inadvertently overpaid while complying with the order and sought a direction requiring the consumer to refund the alleged excess amount. The commission, however, found that the excess payment was only about Rs 115 and declined to order its recovery.

Earlier compensation order

The consumer forum had, on September 17, 2025, partly allowed the complaint filed by Prakash and directed SBI Cards and Payments Services Limited to pay Rs 45,000 as compensation along with Rs 5,000 towards litigation costs. The commission also ordered that if the amount was not paid within 45 days, it would carry interest at 12 per cent per annum until realisation.

Consumer moved execution proceedings

Claiming that the company had not complied with the order within the stipulated period, the complainant initiated execution proceedings before the commission on January 17 seeking enforcement of the award. During the proceedings, SBI Cards informed the commission that it had paid Rs 55,802.74 through a demand draft dated March 9, towards satisfaction of the decree. However, the company also filed a memo contending that it had mistakenly paid Rs 2,458 in excess and requested the commission to direct the complainant to refund the surplus amount.

Commission recalculated dues

Instead of accepting the company’s calculation, the commission independently worked out the amount payable under its earlier order. It noted that interest at 12 per cent per annum on the total award of Rs 50,000, comprising compensation and litigation costs from March 28, 2025, the date of institution of the complaint, until March 9, came to Rs 5,687.67.

Accordingly, the total amount payable worked out to Rs 55,687.67. Since SBI Cards had actually paid Rs 55,802.74, the commission found that the excess payment was only Rs 115.07, far lower than the company’s claim of Rs 2,458.

Rs 115 too trivial to warrant refund

• After recalculating the figures, the commission held that the excess payment was too insignificant to justify directing the complainant to return it.
• Rejecting the company’s plea, the bench observed that the claim for refund lacked merit in the facts of the case.
• “Considering the excess amount is negligible, this commission is of the considered opinion that no refund is required to be made by the complainant,” it said.
• Having found that SBI Cards had substantially complied with the original compensation order, the commission concluded that no further directions were necessary.
• “Accordingly, it is held that the order of this commission has been duly complied with. Hence, the Execution Application is closed,” the commission said while disposing of the proceedings.

Consumer takeaway

The ruling underscores that execution proceedings are meant to ensure compliance with consumer forum orders rather than reopen disputes over trivial accounting differences. Once the successful consumer has substantially received the amount legally due, consumer forums may decline to entertain attempts to recover negligible excess payments and instead treat the original award as fully satisfied.

SBI ordered to pay Rs 40 lakh to sweepers sacked after 30 years

Observing that two daily-wage sweepers had given their “sweat & blood” to the State Bank of India (SBI) and were unlikely to find fresh employment “in the AI era” after spending nearly three decades in menial jobs, the Orissa High Court has directed the bank to pay Rs 20 lakh each to them, instead of granting regularisation.

A division bench of Justices Krishna S Dixit and Chittaranjan Dash was hearing appeals filed by one Mayadhar Nayak and Baina Nayak against a single judge’s June 20, 2025, judgment dismissing their claims for regularisation, bonus, arrears and other service benefits after nearly 30 years of service as daily-wage sweepers at SBI’s Government Treasury Branch in Bhubaneswar.