Uttar Pradesh Real Estate Regulatory Authority
Ashwani Kumar Gupta and Manju Gupta v. Intellect Projects Pvt. Ltd
Complaint No. NCR144/02/51157/2020
- Decision date
- Not recorded
- Text availability
- Full text
- Bench
- Adjudicating Officer Gautam Budh Nagar
Source: UP RERA order
Connected provisions and cases
No further provision or case links are recorded.
Judgment text
m0iz0 Hkw&lEink fofu;ked izkf/kdj.k] {ks=h; dk;kZy;] xkSrecq)uxjA ihB&2 E-Court mifLFkfr %& Jh cyfoUnj dqekj] lnL; f'kdk;r la0 %& NCR144/02/51157/2020 v'ouh dqekj xqIrk ,oa eatq xqIrk cuke baVysDV izkstsDV izk0 fy0 izLrqr f'kdk;r çkFkZuk i= f'kdk;rdrkZ }kjk foi{kh ds fo:) tek /kujkf'k C;kt lfgr okil fnyk;s tkus gsrq lafLFkr fd;k x;k gSA la{ksi esa f'kdk;rdrkZ dk dFku gS fd muds }kjk foi{kh dh ifj;kstuk "VICTORYONE CENTRAL" esa ;wfuV la0& A-1003 cqd fd;k x;k Fkk] ftlds fy, muds }kjk le;≤ ij fd'rksa ds vk/kkj ij 39,95,000@& #i;s dk Hkqxrku fd;k x;kA foi{kh }kjk f'kdk;rdrkZ dks vHkh rd dCtk ugha fn;k x;k gSA f'kdk;rdrkZ dk ;g Hkh dguk gS fd ifj;kstuk esa ;wfuV dk dCtk fn;s tkus esa foyEc gSA vr% f'kdk;rdrkZ }kjk tek /kujkf'k C;kt lfgr okil fnyk;s tkus dk vuqjks/k fd;k x;k gSA f'kdk;rdrkZ }kjk vius dFku ds leFkZu esa isesaV Iyku] vkosnu QkeZ] bZ&esy i=kpkj] vuqcU/k i=] tek /kujkf'k dh jlhnsa vkfn dh Nk;kizfr;ka iksVZy ij viyksM dh x;h gSaA foi{kh }kjk ihB ds bZ&esy ij tokc izsf"kr fd;k x;k gS] ftlesa ;g dgk x;k gS fd ifj;kstuk esa 11 VkWoj gSa] ftlesa VkWoj& A, B, C, D, E, F, G & K iw.kZ gaS rFkk vafre ekax lfgr dCtk vkWQj fd;k tk pqdk gSA Page 1 foi{kh }kjk ;g Hkh dgk x;k gS fd vkaf'kd iw.kZrk izek.k i= izkIr fd;k tk pqdk gS rFkk VkWoj& D ,E, F & G esa jftLVªh 'kq: gks pqdh gSA l{ke foHkkxksa ls ewy vukifRr izek.k i= Hkh izkIr fd;k tk pqdk gSA f'kdk;rdrkZ }kjk
¶ySV la[;k& C-1702 cqd fd;k x;k gS] ftldk ¶ySV dzsrk vuqcU/k fnukad 26-10-2018 dks fu"ikfnr fd;k x;k Fkk rFkk ¶ySV dk dCtk Hkh vkWQj fd;k x;kA blls iwoZ muds }kjk o"kZ 2012 esa vkoaVu gsrq vkosnu fd;k x;k Fkk] ijUrq i;kZIr volj fn;s tkus ds ckn Hkh 'krkZsa dk vuqikyu u fd;s tkus ij fnukad 27-02-2016 dks ¶ySV fujLr dj fn;k x;kA rRi'pkr~ ¶ySV dks o"kZ 2018 esa iquZLFkkfir fd;k x;kA vkoaVu i= fnukad 26-10-2018 ds vuqlkj 24 ekg ,oa 6 ekg dh vuqxzg vof/k ds lkFk vizSy 2021 rd dCtk fn;k tkuk gSA vkoafVr ¶ySV iw.kZ gS vkSj og 6 ekg esa dCtk ns nsaxsA f'kdk;r esa ntZ dh x;h ¶ySV la[;k& A-1003 xyr gSA ifj;kstuk dk fuekZ.k dk;Z iw.kZ fd;k tk pqdk gS rFkk ;wfuV la[;k& C-1702 ds dCts gsrq lwpuk nh tk pqdh gS vkSj iw.kZrk izek.k i= gsrq l{ke izkf/kdj.k dks vkosnu fd;k tk pqdk gSA blds vfrfjDr ihB ds le{k lquokbZ ds nkSjku fnukad 25-09-2020 dks foi{kh }kjk dgk x;k gS fd f'kdk;rdrkZ }kjk o"kZ 2018 esa vuqcU/k fu"ikfnr fd;k x;k Fkk] ftlds vuqlkj dCts dh frfFk vizSy 2021 gSA foi{kh dh vksj ls vius dFku ds leFkZu esa vukifRr izek.k i=ksa] vkoaVu i= dh Nk;kizfr;ka iksVZy ij viyksM dh x;h gSaA mHk;i{k dks lquk o okn dk voyksdu fd;kA i{kdkjksa ds vfHkopuksa ds vk/kkj ij fuEufyf[kr okn fcUnq fopkj.kh; fd;s x;s gSa %& 1- D;k f'kdk;rdrkZ }kjk tek /kujkf'k C;kt lfgr okil fnyk;s tkus dh ekax djuk mfpr gS\ Page 2 2- D;k f'kdk;rdrkZ dCtk ,oa foyfEcr vof/k dk C;kt ikus dk vf/kdkjh gS\
fuLrkj.k fcUnq la0 1 f'kdk;rdrkZ }kjk dgk x;k gS fd foi{kh }kjk vHkh rd dCtk ugha fn;k x;k gS] ftl dkj.k og viuh tek /kujkf'k C;kt lfgr okil pkgrs gSaA nwljh vksj foi{kh dk dguk gS fd ifj;kstuk dk fuekZ.k dk;Z iw.kZ fd;k tk pqdk gS rFkk ;wfuV la[;k& C-1702 ds dCts gsrq lwpuk nh tk pqdh gS vkSj iw.kZrk izek.k i= gsrq l{ke izkf/kdj.k dks vkosnu fd;k tk pqdk gSA tgk¡ rd dzsrk }kjk fjQ.M ds vuqjks/k dk iz'u gS] bl fo"k; esa jsjk vf/kfu;e ds izkfo/kkuksa dks lexz :i ls i<k tkuk vko';d gS rkfd lHkh i{kksa ds er dks n`f"Vxr j[krs gq, ,d larqfyr fu.kZ; fy;k tk ldsaA jsjk ,DV dh /kkjk 18 ¼1½ esa izkfo/kku gS fd %& "Section 18 (1) “If the promoter fails to complete or is unable to give possession of an apartment, plot or building,
in accordance with the terms of the agreement for sale or, as the case may be, duly completed by the date specified therein; or (b) due to discontinuance of his business as a developer on account of suspension or revocation of the registration under this Act or for any other reason, he shall be liable on demand to the allottees, in case the allottee wishes to withdraw from the project, without prejudice to any other remedy available, to return the amount received by him in respect of that apartment, plot, building, as the case may be, Page 3 with interest at such rate as may be prescribed in this behalf including compensation in the manner as provided under this Act: Provided that where an allottee does not intend to withdraw from the project, he shall be paid, by the promoter, interest for every month of delay, till the handing over of the possession, at such rate as may be prescribed." bl izdkj dzsrk dks ;g vf/kdkj gS fd ;fn mUgsa ,xzhesaV ds vuq:i dCtk ugh feyrk rks og viuh tek /kujkf'k dks C;kt lfgr okfil ek¡x ldrs gSa vFkok ekfld nj ls C;kt izkIr djrs gq, ifj;kstuk esa cus jgsaA jsjk vf/kfu;e dh /kkjk 34 esa jsjk ds vU; ^^QaX'kUl^^ ds lkFk&lkFk
" to ensure compliance of the obligations cast upon the promoters, the allottees and the real estate agents under this Act and the rules and regulations made thereunder " dk Hkh mYys[k gSA blh izdkj /kkjk 32 esa fj;y bLVsV lsDVj ds fodkl gsrq vFkkWfjVh ds mRrjnkf;R;ksa esa fuEu Hkh lfEefyr gSa %& “32. The Authority shall in order to facilitate the growth and promotion of a healthy, transparent, efficient and competitive real estate sector make recommendations to the appropriate Government of the competent authority, as the case may be, on,__ (a)protection of interest of the allottees, promoter and real estate agent;....... (j)any other issue that the Authority may think necessary for the promotion of the real estate sector.” mDr izkfo/kkuksa ls ;g Li"V gS fd ^^fj;y ,LVsV lsDVj^^ ds LoLFk fodkl dks lqfuf'pr djus ds fy, blds lHkh LVsd gksYMlZ ds fgrksa dks Page 4 lexz :i ls ns[krs gq, leqfpr fu.kZ; ysus dk mRrjnkf;Ro bl vkWFkfjVh dk gSA bl dze esa ek- eqEcbZ mPp U;k;ky; }kjk "uhydey fj;yVlZ lcvjcu izk-fy- cuke ;wfu;u vkWQ bf.M;k"] ftlesa jsjk vf/kfu;e dh oS|kfudrk ds lEca/k esa fu.kZ; fn;k x;k Fkk] ds izLrj 124 esa ek- mPp U;k;ky; }kjk fuEu laoh{k.k fd;k %&
“124. The entire scheme of the RERA is required to be kept in mind. It is already submitted during the course of hearing that in many cases helpless allottees had approached consumer forum, High Courts, Apex Court in a given fact situation of the case. The courts have been passing orders by moulding reliefs by granting interest, compensation to the allottees, and issuing directions for timely completion of project, transit accommodation during completion of project, so on and so forth. Under RERA now this function is assigned to the authority, tribunal. An appeal lies to the High Court. Under one umbrella, under one regulation and one law all the issues are tried to be resolved. Provisions of Section 71 refers to power to adjudicate. A District Judge is conferred with the power to adjudicate compensation under Sections 12, 14, 18 and 19. A promoter could very well put up his case before the adjudicator who deals with the issues in the light of the fact situation of each case. Therefore, there should not be any apprehension that mechanically compensation would be awarded against a promoter on failure to complete the development work.”
mDr ls Li"V gS fd lHkh i{kksa dks lquus ds ckn] ;|fi le; ls bdkbZ u feyus dh n'kk esa vkoaVh dk viuh /kujkf'k C;kt lfgr ekaxus dk Page 5 vf/kdkj gS] rFkkfi mDr of.kZr laoh{kk dks ns[krs gq, vFkkWfjVh] izdj.k ds leLr rF;ksa] ds vk/kkj ij ‘by moulding reliefs by granting interest, compensation to the allottees, and issuing directions for timely completion of project, transit accommodation during completion of project, so on and so forth’ ds vuq:i vkns'k ikfjr fd, tk ldrs gSaA ,yksVht+ }kjk /kujkf'k okil fd, tkus o ifj;kstuk esa cus jgus okys ,yksVht ds fgrksa esa lUrqyu ds izlax esa "fp=k 'kekZ cuke ;wfu;u vkWQ bf.M;k" ¼744@2017½ ds fu.kZ; esa ek- loksZPp U;k;ky; us fu.kZ; ds izLrj 40 esa fuEu vkWctjos'ku fd;k gS %&
"40. As we have stated earlier, an amount of Rs 750 crores is lying in deposit before this Court pursuant to the interim directions, on which interest has accrued. The home buyers have earnestly sought the issuance of interim directions to facilitate a pro-rata disbursement of this amount to those of the home buyers who seek a refund. "We are keenly conscious of the fact that the claim of the home buyers who seek a refund of monies deserves to be considered with empathy. Yet, having given our anxious consideration to the plea and on the balance, we are not inclined to accede to it for more than one reason. Firstly ............... Secondly, the figures which have been made available presently, following the opening of the Web portal by the amicus curiae, indicate that 8% of the home buyers have sought a refund of their monies while 92% would evidently prefer possession of the homes which they have purchased. We cannot be unmindful of the interests of 92% of the home buyers many of whom would also have obtained loans to secure a home. They would have a legitimate grievance if the corpus of Rs 750 crores (together with Page 6 accrued interest) is distributed to the home buyers who seek a refund."
ek- mPp U;k;ky; ,oa loksZPp U;k;ky; }kjk mDr izLrjksa esa m)jr ^^vkWctjos'kul~^^ ,oa jsjk ,DV dh lexz O;oLFkk dks ns[krs gq, ;g Hkh Li"V gS fd ;fn foyEc ds izR;sd ekeys esa /kujkf'k ykSVkus dk gh fu.kZ; fy;k tk;s rks fu'p; gh ;g vf/kfu;e ds ^^vkWctsfDVo^^ rFkk ^^Ldhe^^ ds vuq:i u gksxkA fjQ.M dk fu.kZ; ysrs le; izR;sd ekeys dh ^^;wuhdusl^^ izdj.k ds leLr rF;ksa ;Fkk ^^dUlVªD'ku^^ dh fLFkfr] dEiyh'ku dh ^^VkbZe ykbZu^^] izkseksVlZ ds }kjk vkWQj vkWQ its'ku ds ^^dfeVesUV^^ dh fLFkfr] vU; ^^LVsd gksYMlZ^^] fo'ks"k :i ls ifj;kstuk ds lkFk cus jgus okys ^^,ykWVht^^ ij izHkko] ^^izLrkfor its+'ku MsV^^ ds fo"k; esa ^^dUlsUll~^^ vkfn ij fopkj fd;k tkuk U;k;fgr esa gksxkA ^jsjk* ds xBu ds ewy mn~ns'; ,oa leLr ifjfLFkfr;ksa dks ns[krs gq, leqfpr fu.kZ; ysdj vkns'k ikfjr fd;k tkuk U;k;fgr esa gksxkA jsjk ds xBu ds lEcU/k esa ekuuh; loksZPp U;k;ky; }kjk "flfoy vihy la[;k&940@2017 fcdze pVthZ ,oa vU; cuke ;wfu;u vkWQ bafM;k ,oa vU;" esa fnukad 23-07-2019 dks ifjr vkns'k ds i`"B la[;k&241 ds izLrj&120 esa fuEuor~ mYys[k fd;k gS%&
120 "It is apparent that RERA intends protection of home-buyers and aims at completion of the buildings. The buildings have to be completed, for that,we are required to pass orders. We have already assigned the task to NBCC for completion of buildings as the promoters/builders have failed to complete the building within the time fixed and the time which could have been extended. Now, more than 10 years have Page 7 passed and buyers were given the assurances that they would get flats within three years period by the promoter/builder.The maximum time fixed in RERA has also expired and extension could not have been beyond 1 year." mDrkuqlkj ;g Li"V fd;k x;k gS fd jsjk vkoafV;ksa ds fgrksa dks lajf{kr djus ds fy, gS vkSj mldk y{; ;g gS fd izkseksVlZ }kjk fcfYMax ds leLr fodkl dk;ksZa dks iw.kZ djkrs gq, x`gdzsrkvksa dks mudk vkokl@¶ySV fey ldsA rRdzekuqlkj vkns'k ds i`"B la[;k&255 ds izLrj&137 esa fuEuor~ mYys[k fd;k gS%&
"The provisions of RERA are beneficial to the home buyers and are intended to insulate them from fraudulent action, ensures completion of the building and it is the duty of the court to protect and ensure the home buyers’interest and at the same time to hold them responsible for the duties enjoined upon them under the said statute. We are not absolving the home buyers from the discharge of their liability if any. At the same time, they have the right of enforcement of their right for compensation due to undue delay in completion of the project." mDr vkCt+osZ'ku esa ;g Hkh Li"V fd;k x;k gS fd jsjk ds izkfo/kku x`gdzsrkvksa ds fy, ykHkdkjh gSa vkSj fdlh izdkj ds fo'okl?kkr gksus ls vkoafV;ksa ds fgrksa dks lajf{kr djus ds fy, gSa ,oa fcfYMax dks iw.kZ djkus gsrq fuxjkuh dk dk;Z jsjk dk gS vkSj i{kdkjksa ds drZO;ksa ,oa mRrjnkf;Ro Page 8 vf/kfu;e esa r; fd;s x;s gSaA ;g Hkh ykHk fn;k x;k gS fd ifj;kstuk foyEc gksus ij x`gdzsrkvksa dk ;g vf/kdkj gksxk fd og foyEc ds fy, ifj;kstuk iw.kZ gksus rd fu;ekuqlkj C;kt ik ldsA blh ds i'pkr~ iqu% jsjk ds lEca/k esa ekuuh; loksZPp U;k;ky; }kjk flfoy vihy la[;k&43@2019 "ik;fu;j vcZu ySUM ,aM bUQzkLVªDpj
fyfeVsM ,oa vU; " cuke ;wfu;u vkWQ bafM;k ,oa vU; esa fnukad 09-08- 2019 dks vkns'k ds i`"B la[;k&86 ds izLrj&29 esa fuEuor~ mYys[k fd;k gS%& "The object of RERA is to see that real estate projects come to fruition within the stated period and to see that allottees of such projects are not left in the lurch and are finally able to realise their dream of a home, or be paid compensation if such dream is shattered, or at least get back monies that they had advanced towards the project with interest. At the same time, recalcitrant allottees are not to be tolerated, as they must also perform their part of the bargain, namely, to pay instalments as and when they become due and payable. " mDr vkns'k esa egRoiw.kZ vkCt+osZ'ku ;g fn;k x;k gS fd jsjk dk y{; gS fd og viuh fuxjkuh ,oa ns[kjs[k esa izkseksVlZ }kjk Hkw&lEink ifj;kstuk dks ,d fu/kkZfjr vof/k esa QyLo:i iw.kZ djk yh tk;s] ftlls fd vkoaVh vius ¶ySVl~ ikus ls oafpr u gks tk;s vkSj mUgsa vius liuksa dk ?kj fey lds] lkFk gh lkFk nqnZE; (Recalcitrant) vkoafV;ksa dks Hkh ifj;kstuk iw.kZ djkus dk lg;ksx u djus esa mRrjnkf;Ro ekuk gSA ;g Hkh dgk x;k gS fd vkoaVh vius drZO;ksa dks lE;d :i ls iw.kZ djsa] eq[; :i ls tSls fd
Page 9 fd'rksa dk le; ls Hkqxrku djuk lqfuf'pr dj ysa] ftlls fd ifj;kstuk dks iw.kZ fd;k tk ldsA ,sls esa mijksDr ekuuh; loksZPp U;k;ky; }kjk fu/kkZfjr dh x;h fof/k O;oLFkk ds vuqlkj ;g Li"V gS fd jsjk dk eq[; mn~ns';] ifj;kstuk dks QyLo:i izkseksVlZ }kjk iw.kZ djkuk vkSj vkoafV;ksa }kjk lE;d :i ls viuh fd'rksa dk Hkqxrku lqfuf'pr dj fy;k tkuk] ftlls fd ifj;kstuk dks fu/kkZfjr vof/k esa iw.kZ djk;k tk ldsA vkoafV;ksa ds fgrksa dks lajf{kr djus ds fy, ifj;kstuk foyEc gksus ij C;kt dk ykHk Hkh vkoafV;ksa dks ns; gksxk] ijUrq blls iwoZ f'kdk;rdrkZ dk ;g Hkh mRrjnkf;Ro gksxk fd og viuh fd'rksa dk le; ls Hkqxrku djsaA pwafd foi{kh }kjk l{ke izkf/kdj.k dks iw.kZrk izek.k i= gsrq vkosnu fd;k tk pqdk gS] ftlls fofnr gS fd ifj;kstuk iw.kZ gS rFkk ifj;kstuk ds vU; vkoaVh dCts gsrq izfr{kkjr gSaA leLr ifjfLFkfr;ksa dks ns[krs gq, ;g mfpr gksxk fd f'kdk;rdrkZ fnukad 30-04-2021 rd viuh ;wfuV dk dCtk ysaA mlds ckn os Lo;a ;wfuV ds Hkfo"; gsrq mi;ksx ds lEcU/k esa fu.kZ; ys ldrs gSaA oSls Hkh f'kdk;rdrkZ }kjk ifj;kstuk esa /kujkf'k dk fuos'k dCts gsrq fd;k x;k Fkk] ftldk mi;ksx foi{kh }kjk ifj;kstuk ds fuekZ.k esa fd;k x;k gSA fu'p; gh ifj;kstuk esa cus jgus dh n'kk esa ,ykWVht+ dks foyEc gsrq fu;ekuqlkj C;kt izkseksVlZ }kjk ns; gksxkA ;fn foi{kh }kjk fnukad 30- 04-2021 rd f'kdk;rdrkZ dks vks-lh@lh-lh lfgr dCtk ugha fn;k tkrk gS] rks mlds i'pkr~ f'kdk;rdrkZ dh tek /kujkf'k C;kt lfgr okil fd;k
tkuk mi;qDr gksxkA fuLrkj.k fcUnq la0&1 fuLrkfjr fd;k tkrk gSA fuLrkj.k fcUnq la0 2 f'kdk;rdrkZ dk dguk gS fd foi{kh }kjk vHkh rd dCTkk ugha fn;k x;k gS] ftl ij foi{kh }kjk dgk x;k gS fd muds }kjk iw.kZrk izek.k i= gsrq l{ke izkf/kdj.k dks vkosnu fd;k tk pqdk gSA Page 10 foi{kh }kjk i{kdkjksa ds e/; ;wfuV la[;k& C-1702 ds lkis{k fu"ikfnr vuqcU/k fnukad 26-10-2018 dh Nk;kizfr miyC/k djk;h x;h gS] ftlds i`"B la[;k& 9 ds izLrj&15- a ds voyksdu ls fofnr gS fd foi{kh }kjk 24 ekg ,oa 6 ekg dh vuqxzg vof/k ds lkFk ¶ySV dk fuekZ.k dk;Z iw.kZ dj dCtk fn;k tkuk FkkA ;g vuqcU/k@vkoaVu i= fnukad 26-10-2018 dks mHk;i{kksa }kjk gLRkk{kfjr djrs gq, fu"ikfnr fd;k x;k FkkA ,sls esa mijksDrkuqlkj dCts dh frfFk 26-04-2021 gksrh gSA orZeku esa ifj;kstuk foyEc dh Js.kh esa ugha gSA ,sls esa f'kdk;rdrkZ foyEc dk C;kt ikus dk vf/kdkjh ugha gSA mfpr gksxk f'kdk;rdrkZ fnukad 30-04-2021 rd vius ¶ySV dk dCtk izkIr djsaA rn~uqlkj fcUnq la[;k&2 fuLrkfjr fd;k tkrk gSA mijksDr fcUnqvksa dk fuLrkj.k djrs gq, fuEu vkns'k ikfjr fd;s tkrs gS %& vkns'k 1- foi{kh dks vknsf'kr fd;k tkrk gS fd og f'kdk;rdrkZ ds vkoafVr ;wfuV dh leLr lqfo/kkvksa dks vkoaVu&i=@vuqcU/k ds vuqlkj iw.kZ djkdj fnukad 30-04-2021 rd vks-lh-@lh-lh- lfgr dCtk nsuk lqfuf'pr djsa vkSj ns; LVkEi 'kqYd izkIr dj fu;ekuqlkj jftLVªh djk;asA
2- foi{kh dks funsZf'kr fd;k tkrk gS fd jsjk vf/kfu;e 2016 ds /kkjk 2 (za)(i) ds vUrxZr C;kt dks ifjHkkf"kr fd;k x;k gS fd jsjk ykxw gksus ds ckn ;fn dksbZ C;kt nj vkoaVh ds fMQkWYV ls izkseksVj }kjk fy;k tkrk gS] rks mlh nj ls C;kt izkseksVj }kjk fMQkWYV fd;s tkus ij Hkh vkoaVh dks fn;k tk;sxkA jkT; ljdkj }kjk vf/klwfpr C;kt nj MCLR+1 izfr'kr gSA Page 11 3- foi{kh mijksDrkuqlkj dCtk vkWQj i= vks-lh-@lh-lh lfgr tkjh djuk lqfuf'pr djsA 4- foi{kh] f'kdk;rdrkZ dks fnukad 30-04-2021 rd dCtk nsus esas vlQy jgrk gS] rks og fnukad 30-04-2021 ds i'pkr~ 45 fnuksa ds vUnj f'kdk;rdrkZ }kjk tek /kujkf'k MCLR+1 izfr'kr dh okf"kZd C;kt nj lfgr okil vnk djuk lqfuf'pr djsaA bl vkns'k dk mYy?kau Hkw&lEink ¼fofu;eu ,oa fodkl½ vf/kfu;e] 2016 dh /kkjk&63 rFkk vU; lqlaxr izkfo/kkuksa ds vUrxZr naMuh; gksxkA vkns'k iksVZy ij viyksM fd;k tk;sA fnukad %& 24@11@2020 Digitally signed by BALVINDER BALVINDER KUMAR Date: 2020.11.24 18:22:44 +05'30' KUMAR ¼cyfoUnj dqekj½ ¼lnL;½ m0iz0 Hkw&lEink fofu;ked izkf/kdj.k Page 12