STANDARD CHARTERED BANK vs AWAZ . — C.A. No. 5278/2008

Case under Consumer Disputes and Rera : Appeals Under Section 23 of Consumer Protection Act, 1986 And/or Under Section 67 of Consumer Protection Act, 2019 Section XVII-A. Status: Disposed.

Disposed

CNR: SCIN010225552008

Filing Date

07-Aug-2008

Registration No

C.A. No. 5278/2008

Diary Number

22555/2008

Order Date

20-Dec-2024

Document Type

ROP - of Main Case

Disposal Type

Appeals Allowed

Last updated 05-Jul-2026

Acts & Sections

Consumer Disputes and RERA : Appeals under Section 23 of Consumer Protection Act, 1986 and/or under Section 67 of Consumer Protection Act, 2019 Section XVII-A

Petitioner(s)

  1. 1.STANDARD CHARTERED BANK

    Adv. ARUN KUMAR BERIWAL (Dead / Retired / Elevated) ANANTA PRASAD MISHRA[P-1]

Respondent(s)

  1. 1.AWAZ .

    Adv. H. S. PARIHAR CHANCHAL KUMAR GANGULI MANISH K. BISHNOI SHIEL SETHI GAGAN GUPTA (Dead / Retired / Elevated) [R-5]

Case History

  1. Case disposedDisposed

  2. 20-Dec-2024

    Fixed Date by Court

    Hon'ble Ms. Justice Bela M. Trivedi and Hon'ble Mr. Justice Satish Chandra Sharma

  3. 19-Sep-2024

    Fixed Date by Court

    Hon'ble Ms. Justice Bela M. Trivedi and Hon'ble Mr. Justice Satish Chandra Sharma

  4. 18-Sep-2024

    Fixed Date by Court

    Hon'ble Ms. Justice Bela M. Trivedi and Hon'ble Mr. Justice Satish Chandra Sharma

  5. 12-Sep-2024

    Fixed Date by Court

    Hon'ble Ms. Justice Bela M. Trivedi and Hon'ble Mr. Justice Satish Chandra Sharma

  6. 11-Sep-2024

    Fixed Date by Court

    Hon'ble Ms. Justice Bela M. Trivedi and Hon'ble Mr. Justice Satish Chandra Sharma

  7. 28-Aug-2024

    Fixed Date by Court

    Hon'ble Ms. Justice Bela M. Trivedi and Hon'ble Mr. Justice Satish Chandra Sharma

  8. 31-Aug-2023

    After Week/Month/Vacation

    Hon'ble Mr. Justice A.S. Bopanna and Hon'ble Mr. Justice Prashant Kumar Mishra

  9. 10-Aug-2023

    Next Week / Week Commencing / C.O.Week

    Hon'ble Mr. Justice A.S. Bopanna and Hon'ble Mr. Justice Prashant Kumar Mishra

  10. 13-Jul-2023

    Next Week / Week Commencing / C.O.Week

    Hon'ble Mr. Justice A.S. Bopanna and Hon'ble Mr. Justice M.M. Sundresh

  11. 10-May-2023

    Next Week / Week Commencing / C.O.Week

    Hon'ble Mr. Justice Dinesh Maheshwari and Hon'ble Mr. Justice Sanjay Kumar

  12. 01-Mar-2023

    Next Week / Week Commencing / C.O.Week

    Hon'ble Mr. Justice J.K. Maheshwari and Hon'ble Mr. Justice Sanjay Kumar

  13. 09-Feb-2023

    Fixed Date by Court

    Hon'ble Mr. Justice Dinesh Maheshwari and Hon'ble Mr. Justice Sanjay Kumar

  14. 23-Nov-2022

    Next Week / Week Commencing / C.O.Week

    Hon'ble Mr. Justice A.S. Bopanna and Hon'ble Mr. Justice Pamidighantam Sri Narasimha

  15. 07-Apr-2022

    Fixed Date by Court

    Hon'ble Mr. Justice Vineet Saran and Hon'ble Mr. Justice J.K. Maheshwari

  16. 06-Apr-2022

    Fixed Date by Court

    Hon'ble Mr. Justice Vineet Saran and Hon'ble Mr. Justice J.K. Maheshwari

  17. 05-Apr-2022

    Fixed Date by Court

    Hon'ble Mr. Justice Vineet Saran and Hon'ble Mr. Justice J.K. Maheshwari

  18. 08-Mar-2022

    Next Week / Week Commencing / C.O.Week

    Hon'ble Mr. Justice Vineet Saran and Hon'ble Mr. Justice Aniruddha Bose

  19. 03-Mar-2022

    Next Week / Week Commencing / C.O.Week

    Hon'ble Mr. Justice Vineet Saran and Hon'ble Mr. Justice Aniruddha Bose

  20. 21-Jan-2021

    Next Week / Week Commencing / C.O.Week

    Hon'ble Mr. Justice Mohan M. Shantanagoudar, Hon'ble Mr. Justice Vineet Saran and Hon'ble Mr. Justice Ajay Rastogi

  21. 20-Jan-2021

    Next Week / Week Commencing / C.O.Week

    Hon'ble Mr. Justice Mohan M. Shantanagoudar, Hon'ble Mr. Justice Vineet Saran and Hon'ble Mr. Justice Ajay Rastogi

  22. 19-Jan-2021

    Next Week / Week Commencing / C.O.Week

    Hon'ble Mr. Justice Navin Sinha and Hon'ble Ms. Justice Indu Malhotra

  23. 04-Mar-2020

    Next Week / Week Commencing / C.O.Week

    Hon'ble Mr. Justice Mohan M. Shantanagoudar and Hon'ble Mr. Justice R. Subhash Reddy

  24. 03-Mar-2020

    Next Week / Week Commencing / C.O.Week

    Hon'ble Mr. Justice Mohan M. Shantanagoudar and Hon'ble Mr. Justice R. Subhash Reddy

  25. 12-Dec-2019

    After Week/Month/Vacation

    Hon'ble Mr. Justice Mohan M. Shantanagoudar and Hon'ble Mr. Justice K.M. Joseph

  26. 10-Dec-2019

    After Week/Month/Vacation

    Hon'ble Mr. Justice Mohan M. Shantanagoudar and Hon'ble Mr. Justice K.M. Joseph

  27. 01-Oct-2019

    Fixed Date by Court

    Hon'ble Mr. Justice Mohan M. Shantanagoudar and Hon'ble Mr. Justice Ajay Rastogi

  28. 24-Sep-2019

    First hearing

    Initial hearing scheduled

  29. 20-Apr-2017

    ROP - of Main CaseView PDF

  30. 20-Apr-2017

    ROP - of Main CaseView PDF

  31. 23-Sep-2015

    ROPView PDF

  32. 23-Sep-2015

    Office ReportView PDF

  33. 23-Sep-2015

    Office ReportView PDF

  34. 16-Jul-2015

    ROPView PDF

  35. 16-Jul-2015

    ROPView PDF

  36. 26-Mar-2015

    ROPView PDF

  37. 26-Mar-2015

    Office ReportView PDF

  38. 26-Mar-2015

    ROPView PDF

  39. 19-Jan-2015

    ROPView PDF

  40. 19-Jan-2015

    Office ReportView PDF

  41. 05-Nov-2014

    ROPView PDF

  42. 20-Aug-2014

    ROP - of Main CaseView PDF

  43. 04-Apr-2014

    ROPView PDF

  44. 20-Sep-2013

    ROPView PDF

  45. 06-Sep-2013

    ROPView PDF

  46. 06-Aug-2013

    ROPView PDF

  47. 18-Jul-2013

    ROPView PDF

  48. 26-Apr-2013

    ROPView PDF

  49. 20-Mar-2013

    ROPView PDF

  50. 15-Feb-2013

    ROPView PDF

  51. 10-Dec-2012

    ROPView PDF

  52. 10-Dec-2012

    ROPView PDF

  53. 03-Dec-2012

    ROPView PDF

  54. 17-Aug-2012

    ROPView PDF

  55. 09-Aug-2012

    ROPView PDF

  56. 05-Jul-2012

    ROPView PDF

  57. 17-Jan-2012

    ROPView PDF

  58. 05-Dec-2011

    ROPView PDF

  59. 13-Sep-2011

    ROP - of Main CaseView PDF

  60. 12-Aug-2011

    ROP - of Main CaseView PDF

  61. 08-Jul-2011

    ROP - of Main CaseView PDF

  62. 22-Feb-2010

    ROPView PDF

  63. 17-Jul-2009

    ROPView PDF

  64. 03-Feb-2009

    ROP - of Main CaseView PDF

  65. 14-Nov-2008

    ROP - of Main CaseView PDF

  66. 22-Oct-2008

    ROP - of Main CaseView PDF

  67. 13-Oct-2008

    ROP - of Main CaseView PDF

  68. 08-Sep-2008

    ROP - of Main CaseView PDF

  69. 29-Aug-2008

    ROPView PDF

  70. 07-Aug-2008

    Case filed

    Registration No. C.A. No. 5278/2008

  71. [ 2024 INSC 1044 ]

    Judgement - of Main CaseView PDF

Common Record of Proceedings — heard with connected matters

Lead case: C.A. No. 5273/2008

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casestatus.in Summary

Summary: Standard Chartered Bank v. AWAZ (C.A. No. 5278/2008) Outcome: The Supreme Court allowed the appeals of the banks and set aside the National Consumer Disputes Redressal Commission's (NCDRC) July 7, 2008 judgment, which had declared that charging credit card interest rates exceeding 30% p.a. constitutes an unfair trade practice. Key Findings: 1. Locus Standi Issue: The Court held that the respondent trust organization lacked standing to file the complaint as trusts are not "persons" under the Consumer Protection Act, 1986, and failed to obtain prior permission under Section 13(6) to act in a representative capacity. 2. Jurisdictional Bar: The Court determined that interest rate determination falls exclusively within the Reserve Bank of India's statutory domain under Sections 21A and 35A of the Banking Regulation Act, 1949. The NCDRC exceeded its jurisdiction by encroaching on RBI's regulatory functions. 3. No Unfair Trade Practice: The Court found no evidence of deceptive practices or misrepresentation. Banks had transparently disclosed interest rates in terms and conditions provided to cardholders. 4. Contract Validity: The Court upheld that credit card holders were educated consumers who agreed to disclosed terms; the NCDRC improperly attempted to rewrite contractual terms between willing parties. Next Steps: None—the judgment is final, setting aside all NCDRC directions regarding interest rate caps. This case analysis is maintained by casestatus.in based on publicly available court records.

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