ATM Debits ₹10,000, No Cash: Bank Ordered to Pay ₹3.28 Lakh for Deficiency

• A customer in Surat, Jitesh Kumar Gandhi, had ₹10,000 debited from his account after an ATM transaction failed to dispense cash.
• The Surat District Consumer Disputes Redressal Commission found Bank of Baroda guilty of service deficiency.
• The Commission ordered Bank of Baroda to refund the original ₹10,000 with 9% interest, plus ₹100 per day for delay, ₹3,000 for mental agony, and ₹2,000 for litigation costs.
• The total amount to be paid by the bank to the customer accumulated to ₹3.28 lakh due to the prolonged delay in resolution.
• The ruling emphasizes that banks must provide concrete proof of cash dispensation and adhere to RBI refund timelines, or face significant penalties.