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“The exclusion of one of the natural heirs from the bequest, cannot by itself be a ground to hold that there are suspicious circumstances – Cases in which a suspicion is created are essentially those where either the signature of the testator is disputed or the mental capacity of the testator is questioned. There is no place for the Court to see whether the distribution made by the testator was fair and equitable to all of his children. The Court does not apply Article 14 to dispositions under a Will.”
Above was the observations made by the Hon’ble Supreme Court Of India in the case of Civil Appeal No.1565 of 2022 (Arising out of Special Leave Petition (C) No.13840 of 2019) Swarnalatha & Ors. Versus Kalavathy & Ors.Decided on March 30, 2022
A probate granted to the appellant by the District Court in respect of two last Wills and Testaments were set aside by High Court of Madras. SC held neither individually nor collectively creates a suspicion on looking into the facts and circumstances of both the cases hence allowed the appeal.
Case Ref: Swarnalatha & Ors. Versus Kalavathy & Ors. Special Leave Petition (C) No.13840 of 2019
Decided On March 30, 2022
To understand the context, we first need to understand the definition of ‘services’ under Consumer Protection Act. Under the Act Services’ means service of any description which is made available to potential users and includes, but not limited to, the provision of facilities in connection with banking, financing, insurance, transport, processing, supply of electrical or other energy, board or lodging or both, housing construction, entertainment, amusement or the purveying of news or other information, but does not include the rendering of any service free of charge or under a contract of personal service.
If one goes by this definition of ‘services’ when CA or CA firm charges fee for its special advise or expert opinion or services related to its/his profession ,it is considered rendering services under the Consume Protection Act
Every professional including advocates, charted accountants, doctors, etc who provide professional services by receiving payment is a service provider under Consumer Protection Act”
This court order held that statutory authorities are amenable to jurisdiction of consumer courts if there is deficiency in services.
“If the statutory authority, other than the core sovereign duties, is providing service, which is encompassed under the Act, then, unless any Statute exempts, or provides for immunity, for deficiency in service, or specifically provides for an alternative forum, the Consumer Forums would continue to have the jurisdiction to deal with the same.”
The legislative intent of Section 2(42) of the Consumer Protection Act, 2019 was to make ‘services’ as inclusive as possible. In the Dr.Vijil & Others V/S Ambujakshi .T.P 7 Others High Court of Kerela, the Court specified that
“A reading of the inclusive part in Section 2(42) would show that the Parliament intended to specifically underline that certain services like Banking, Financing, Insurance, Transport, etc., which are in the nature of public utility services, would come within the purview of ‘services’. The definition is inclusive and not exhaustive. Therefore, all services which are made available to potential users would fall under Section 2(42), except those services rendered free of charge or under a contract of personal service.”
The words “but not limited to” appearing in Section 2(42) clarifies the intention of the Parliament. The medical services therefore would indeed fall within the ambit of Section 2(42), unless of course the service is free of charge or is under a contract of personal service,” the Court noted in its order.
From the above discussion, it is clear that all services by individuals, by traders or business entities or professionals are covered under Consumer Protection Act whether word specified or not
The purpose and Intention of the Law is the most important factor when judiciary gives its interpretation. In other words, judiciary is to give explanation and help the law to be implemented in its proper spirit.
By Dr Prem Lata
Legal Head VOICE
In an inverter AC, the compressor (fitted in the outdoor unit) is powered by a variable-speed drive or ‘inverter’ that enables the compressors to run at range of speeds from slow to fast, to match the output required. An inverter unit will gradually increase its capacity based on the capacity needed in the room to cool down or heat up the room. This means the compressor doesn’t need to switch on and off continuously, but instead just speeds up or down as need demands. By not actually having to stop and start several times a day, there’s less stress on the compressor and less electricity is used, which is why inverter models are generally more efficient and cost less to run. They can maintain a set temperature within a narrow range. Many split systems in the market these days are inverter models.
Most conventional compressors run at a constant speed and these types of units vary their capacity by switching on and off at different intervals. Switching on this type of unit will start to run on full load. This can cause more wear and tear on the compressor and uses more power to start up each time. These models aren’t as efficient to run as the inverter models, but can be cheaper to buy.
BEE Star Rating and Labelling of Air Conditioners helps us choose an energy efficient air conditioner.
The inverter air conditioner is by far the most energy-efficient. It is more economical and smooth in operation than the fixed speed air conditioner. It consumes less electricity due to its variable speed compressor and is also good for the environment.
LG, Samsung, Daikin, Carrier, Midea, Haier, Voltas, O General, Hitachi, Blue Star, Mitsubishi Electric, Whirlpool, Toshiba and Panasonic.
Cooling capacity is the measurement of a cooling system and its ability to remove heat from a space. They can also be described in tons to signal how much water at X temperature can be frozen in X amount of time. For reference, 1 ton of refrigeration is equivalent to 211 kJ/min or 200 Btu/min.
The capacity of air conditioners is measured in terms of tons. Split and window ACs are available in various capacities, ranging from 1 to 2 tons. The tonnage of an AC does not refer to its weight; it is a unit used to determine the rate at which an AC can cool a room. In simple terms, a larger room requires an air conditioner with a higher tonnage. A single ton is rated at 12000 BTU. As per international standards, it is said that you require about 20 BTU per sq. feet.
| Room size | AC capacity |
| Up to 100 square feet | 0.8 ton |
| Up to 150 square feet | 1.0 ton |
| Up to 250 square feet | 1.5 ton |
| Up to 400 square feet | 2.0 ton |
The inverter technology (or DC inverter) is the latest evolution of technology concerning the electromotor of compressors. An inverter is used to control the speed of the compressor motor, so as to continuously regulate the temperature. The DC inverter units have a variable-frequency drive that comprises an adjustable electrical inverter to control the speed of the electromotor, which means the compressor and the cooling/heating output. The drive converts the incoming AC current into DC and then through a modulation in an electrical inverter produces the current of desired frequency. A microcontroller can sample each ambient air temperature and accordingly adjusts the speed of the compressor.
The inverter technology eliminates wasted operation in air conditioners by efficiently controlling motor speed. In inverter ACs, temperature is adjusted by changing motor speed without turning the motor on and off. The motor speed in non-inverter ACs remains constant and temperature is adjusted by turning the motor on and off, thereby consuming more energy.
Every air conditioner is designed for a maximum peak load – for example, a 1.5 ton AC is designed for a certain room size, a 1 ton AC for a different size, and so on. But not all rooms are of same size. A regular air conditioner of 1.5 ton capacity will always run at peak power requirement when the compressor is running. On the other hand, an air conditioner with inverter technology will run continuously but will draw only that much power that is required to keep the temperature stable at the level desired. It automatically adjusts its capacity based on the requirement of the room it is cooling, thereby drawing much less power and consuming lesser units of electricity.
There is no window AC with inverter technology.
Bureau of Energy Efficiency (BEE) had notified a new star rating standard for inverter technology ACs. Most of the inverter AC models are in 3, 4 and 5 stars rating range of BEE. The star ratings for energy labelling became mandatory for inverter ACs in January 2018.
Check the air conditioner’s noise levels; these can be found in the specifications. Some models have a quiet mode for the indoor unit, and sometimes the outdoor unit too. This may reduce the cooling/heating power or airflow, but will keep the air conditioner running at a very quiet level.
A noisy indoor unit may interfere with your activities, conversation, or sleep. A noisy outdoor unit can disturb you or your neighbours.
The capacity of the air conditioner should be considered depending on the floor size of the room where it will be installed. A rough measure is that an area in the range of 120 ~140 sq. ft area will need a 1 ton AC, 150 ~180 sq. ft area will need 1.5 ton, and 180 ~240 sq. ft area will need 2 tons.
Once you have worked out what capacity you need, compare the star ratings of models of similar capacity. The more the stars (from 1 star to 5 stars), the lower the running costs and greenhouse gas emissions. Air conditioners come with star-rated energy-efficiency ratings; these have been standardized/implemented by the Bureau of Energy Efficiency (BEE), Govt of India. Therefore, any AC with more stars will consume less electricity than one with a lower star rating. Therefore, any unit with more stars will consume lesser electricity than one with a lower star rating. If the regular usage of ACs are more than 4 hrs/day, go for higher star rated (4-5) AC, else 3 star can serve your purpose. 3 star ACs are most popular as mid-range power saving gives consumers a great price advantage as compared to 5 star.
After-sales service and other add-on features like warranty will certainly be a plus for your purchase. Look for longer warranty and a service-oriented brand that has the capabilities and good network to meet the servicing need of your product.
→What is done in AC servicing?
AC condenser and evaporator coil cleaning. Dust and dirt are core enemies of your air conditioning or AC system as they cause overheating of the system. During AC service, the technician cleans the dust and debris from the condenser coil and evaporator coil and other key components of the system. Air conditioners should be inspected, cleaned, and serviced at least once a year.
→Copper Vs Aluminium coils: Since few years, ACs also come in aluminium coils (Condenser coils) where the cost is slightly lower but has much lesser life/durability. So do not compromise on the cost and always insist for copper coil ACs. They have much longer life and less leakage complaints.
→Installation & cartage: While placing order, clear terms of payment (cash or cheque/draft) installation charges if any as it is generally included in the unit cost. Also, do insist for free home delivery while placing the order.
Heating and cooling appliances account for about 40 per cent of the energy usage. To save money when running your air conditioner, there are several things you can do.
On a hot day, say 43 degrees C, you may be tempted to put the air conditioner way down to 20 degrees C to get the room cool as quickly as possible. But if you can cope with setting the temperature at 25 degrees C, you will not only save on wear and tear on the AC’s motor, you will also save big on your energy bill. Each degree cooler, or warmer in winter, can add about 10 per cent to the running cost. The same principle applies in winter. If it’s 10 degrees C outside, try setting the indoor temperature to 18 degrees C rather than 25 degrees C.
It also depends on the external temperature. Generally you’ll get better efficiency by aiming for a maximum temperature differential of about 8 degrees C. So, on a 35 degrees C day, set your indoor thermostat to 27 degrees C. Realistically, most people will still go for a cooler temperature. You can probably aim for a bigger differential if your house is very thermally efficient (well-insulated, double-glazed, etc.).
The central government and the Bureau of Energy Efficiency (BEE) have set new energy performance standards for room air conditioners and have mandated that the default temperature must be set at 24° Celsius (75.2° Fahrenheit). This is to promote energy efficiency and reduce power demand.
For our survey, we shortlisted regular-selling models of inverter air conditioners. We conducted the survey during March 2022.
| S No. | Brand | Capacity, Ton | Model |
Condenser Coil Material |
ISEER (Wh) | BEE Star Rating |
Noise Level, dB |
Price in Rs. | Warrantee, yrs. |
| 1 | IFB | 2.0 | IACI24SA3G3C | Copper | 3.89 | 3 | 38 | 45290 | 1+5 |
| 2 | Voltas | 2.0 | SAC_245V_ADZ | Copper | 4.75 | 5 | 49 | 48990 | 1+5 |
| 3 | LG | 2.0 | JW-Q24WUZA | Copper | 3.5 | 5 | 44 | 51314 | 1+10 |
| 4 | Panasonic | 2.0 | CS/CU-XU24YKYF | Copper | 4.60 | 5 | 40 | 61990 | 1+10 |
| 5 | IFB | 2.0 | IACI24SA3G3C | Copper | 3.89 | 3 | 38 | 45990 | 1+10 |
| 6 | LG | 1.5 | PS-Q19YNZE | Copper | 4.73 | 5 | 31 | 44490 | 1+10 |
| 7 | Panasonic | 1.5 | CS/CU-NU18XKYWA | Copper | 4.70 | 5 | 39 | 42990 | 1+10 |
| 8 | LG | 1.5 | JW-Q18WUZA | Copper | 3.5 | 5 | 44 | 37179 | 1+10 |
| 9 | Voltas | 1.5 | SAC_185V_JZJ | Copper | 4.51 | 5 | 43 | 38958 | 1+5 |
| 10 | Sanyo | 1.5 | SI/SO-15T5SCIC | Copper | 4.70 | 5 | 43 | 31990 | 1+5 |
| 11 | Blue star | 1.5 | IC318EBTU | Copper | 3.85 | 3 | 35480 | 1+10 | |
| 12 | Blue star | 1.5 | IC518DBTX | Alloy | 4.60 | 5 | 41 | 40000 | 1+10 |
| 13 | Daikin | 1.5 | MTKL50TV | Copper | 3.7 | 3 | 35 | 40990 | 1+10 |
| 14 | Hitachi | 1.5 | RSOG518HDEA | Copper | 4.55 | 5 | 34 | 45500 | 2+10 |
| 15 | IFB | 1.5 | IACI18GB5G3C | Copper | 4.72 | 5 | 38 | 39590 | 1+10 |
| 16 | Voltas | 1.5 | 183VCZT/183VCZT | Copper | 3.70 | 3 | 34440 | 1+10 | |
| 17 | Carrier | 1.5 | CAI18ES5R30F1 | Copper | 4.60 | 5 | 38 | 43000 | 1+10 |
| 18 | Daikin | 1.5 | JTKJ50TV | Copper | 5.20 | 5 | 50300 | 1+5 | |
| 19 | Voltas | 1.5 | 185V ADS | Copper | 4.51 | 5 | 44 | 39490 | 1+5 |
| 20 | Hitachi | 1.5 | RSD317HBEA | Copper | 3.80 | 3 | 36 | 35000 | 1+5 |
| 21 | Blue Star | 1.5 | IC518EBT | Copper | 4.66 | 5 | 40990 | 1+10 | |
| 22 | Voltas | 1.5 | 185V JZJT | Copper | 4.51 | 5 | 46 | 37900 | 1+10 |
| 23 | IFB | 1.5 | IACI183E5G3C | Copper | 4.62 | 5 | 39 | 37990 | 1+10 |
| 24 | Samsung | 1.5 | AR18AYLYATBNNA | Copper | 3.71 | 3 | 45 | 33990 | 1+10 |
| 25 | Godrej | 1.0 | GIC 12YTC3-WTA | Copper | 3.52 | 3 | 38 | 29490 | 1+10 |
| 26 | LG | 1.0 | MS-Q12YNZA | Copper | 4.70 | 5 | 21 | 36990 | 1+10 |
| 27 | Samsung | 1.0 | AR12AYMYATBNNA | Copper | 4.02 | 4 | 40 | 31990 | 1+10 |
| 28 | Voltas | 1.0 | 123V CZT3 (R32) | Copper | 3.80 | 3 | 34990 | 1+5 | |
| 29 | Sanyo | 1.0 | SI/SO-10T3SCIC | Copper | 3.95 | 3 | 40 | 25990 | 1+10 |
ISEER: ISEER stands for Indian Seasonal Energy Efficiency Ratio. It is the ratio of total annual amount of heat that the equipment can remove from the indoor air when operated for cooling in active mode to the total annual amount of energy consumed by the equipment during the same period. Higher ISEER rating means a more energy-efficient air conditioner that can help you save on your energy bills in the long run.
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After the advent of Covid-19, buying life insurance has become a priority for many people. This epidemic has killed lakhs of people in the country. Financial strain has made people understand the value of life insurance. However, people often make common mistakes in buying it. Today, we will be discussing this mistakes and how to avoid them.
Subas Tiwari
It is good for people to be aware about life insurance and taking steps to protect themselves and their loved ones from any financial worry. Given below are some of the most common mistakes people make.
If you are looking to buy life insurance, are you doing so without having a clear financial or life goal in mind? Sure, it is vital to look at external features such as the life insurance coverage amount offered or the premiums required. But these are not the only factors to consider when buying life insurance. Take a look at what you must consider before you decide on a life insurance plan.
The first step before scouting for life insurance plans is to assess the amount of life insurance coverage you and your family members will need in your presence and absence. For this, you will need to calculate the actual monthly and annual expenses of your family. Consider:
Add the approximate costs of all these needs and multiply it by the inflation rate 10 to 20 years from now. Factoring in the inflation rate is essential as the price of goods and services goes up every year, but the value of money stays the same. Based on this sum value, you should select the life insurance coverage amount.
Life insurance plans fall into two broad categories. One kind is a non-linked plan whose benefits/returns are not associated with the equity and debt market performance. Such plans give guaranteed returns and benefits to the buyer and carry very low risk. The other kind is the market-linked insurance plan. In such plans, a portion of the premiums paid by the buyer goes towards making investments in the equity, debt or hybrid market products. The remaining part goes into guaranteeing the life insurance coverage to the policyholder. These plans and the returns accrued under them depend on the performance of the invested premiums and carry a mid-level to a high-level risk. Depending on your appetite for risk (profit and loss), you can choose a suitable life insurance plan.
Life insurance plans are of various types. There are:
Selecting the type of life insurance plan should be second on your checklist as the wrong plan can give you only inadequate financial protection. Furthermore, life insurance plans offer extra riders (additional coverage) for an added layer of protection against unforeseen events. These include:
So, before you settle on a life insurance plan, be sure to see the riders offered and the premiums charged for them.
This is a step that can be easy to miss before buying a life insurance policy. The hallmark of a reliable and exceptional insurance company is not only its claim settlement ratio but also its claim history. The claim settlement ratio is the number of insurance claims settled by an insurer during a given financial year. While it is crucial to account for that, you should also see the insurer’s performance in the industry, the consistency of their claim settlement ratio, financial strength, persistency and their turnaround time for settling claims. Buying a life insurance plan without receiving assurance that you will get the benefits promised under it on time nullifies the entire purchase.
Life insurance plans cover several scenarios but not every single one of them. Each life insurance plan has a specific set of exclusions (events that they do not cover) that you can find mentioned in detail in the policy wordings or plan brochures. Moreover, irrespective of the life insurance coverage and benefits the insurance company claims to provide – always check the policy wordings to see whether there are any limitations on the benefits provided. Some of the general policy exclusions include:
Keeping these factors in mind will not only help you save your hard-earned money but also lead you to the right life insurance plan.
Apex Court held the Insolvency and Bankruptcy Code (IBC), 2016 – The object and purpose of the IBC is not to kill the company and stop/stall the project, but to ensure that the business of the company runs as a going concern.
Dr Prem Lata
The Indian Judiciary and the Constitution of India believe that every citizen of India must get “complete justice”. The Constitution of India under Article 142 grants the power to the Supreme Court for passing any decree to do “complete justice” Further, there is no specific guideline or rule provided by the law which explains when, where and under which circumstances the Apex Court can invoke the said article to do “complete justice”.
This was yet another way by which homebuyer’s interest is protected by making an arrangement to settle their disputes in a very short procedure before National Company Law Tribunal (NCLT). For years, home buyers were dependant on Consumer Commissions only for the redressal of their grievance and refund of their hard earned money invested with builders. Then came the RERA (Real Estate Regulation and Development) Act 2016, which came as an additional remedy to home buyers and made a remarkable change in the real estate sector. The amendment in section 5 of IBC 2016 made home buyers financial creditors which was another boost for consumers. With this, yet another window opened for investors in developers’ projects and now NCLT also came ahead in settling accounts between disputing parties.
The courts are creating history by adopting very positive approach towards the aggrieved consumers through number of judgments during the last decade which is a big relief to the general public at large. In the above case, the Hon’ble Supreme court has exercised its power under Art 142 of the constitution (which is done in rare cases) and given relief to both the parties, home buyers as well as the developers and brought an end to the litigation.
Home buyers in the housing project, Krrish Provence Estate at Gurgaon had gone against Jasmine Buildmart Pvt and invoked Section 7 of IBC 2016 before the Adjudicating Authority/NCLT, Delhi in CP No. 1722/ND/2018 seeking initiation of CIRP against Builder, the Corporate Debtor and obtained order in their favour. NCLT/Adjudicating Authority admitted Section 7 application on 28.11.2019 and appointed the Interim Resolution Professional ‘IRP’ and declared a moratorium. The original applicants had sought refund of an amount of Rs.6, 93, 02,755/- due to an inordinate delay in the completion of the project and failure to handover possession within the stipulated time and could not complete the project even after a period of eight years. Builders knocked at Supreme Court’s door for stay on the insolvency proceeding against them as ordered by NCLT, in view of the fact that parties have settled the matter between themselves and the petitioner/home buyers be allowed to withdraw their application under section 7 of IBC 2016.
It was revealed before the Court that out of 128 home buyers of 176 units, 82 home buyers have settled the dispute with the corporate debtor including the original applicants/respondent nos. 1 to 3 who had initiated the IBC proceedings. It was reported that the original applicants/ respondent Nos.1 to 3 as well as 79 home buyers have settled the dispute with the corporate debtor in terms that the corporate debtor shall complete the entire project and hand over the possession to the home buyers who wanted possession within a period of one year from today. In view of this development and pursuant to order dated 4.2.2022, 1 to 3 original applicants before the NCLT who has initiated the proceedings under Section 7, filed an application for withdrawal of the proceedings. However, there is no provision in the Code or the CIRP Rules in relation to permissibility of withdrawal post admission of a CIRP application. In the present case, although the COC was constituted on 23.11.2020, there has been a stay of CIRP proceedings on 3.12.2020 (within ten days) and no proceedings have taken place before the COC. It is to be noted that the COC comprises 91 members, of which 70% are the members of the Flat Buyers Association who are willing for the CIRP proceedings being set aside, subject to the appellant and the Corporate Debtor – company honouring its undertaking given to this Court as per the settlement plan dated 3.2.2022. Therefore, in the peculiar facts and circumstances of the case, where out of 128 home buyers, 82 home buyers will get the possession within a period of one year, as undertaken by the appellant and respondent No.4 – Corporate Debtor, coupled with the fact that original applicants have also settled the dispute with the appellant, we are of the opinion that this is a fit case to exercise the powers under Article 142 of the Constitution of India read with Rule 11 of the NCLT rules, 2016 and to permit the original applicants to withdraw the CIRP proceedings.
The Jasmine Buildmart Pvt. Ltd. were directed to file separate undertakings before this Court, within a period of one week, specifically stating and undertaking that:
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