Chief Manager, Central Bank Of India vs Ad Bureau Advertising Pvt. Ltd 2025 INSC 288 - Consumer Protection Act - Commercial Purpose

Consumer Protection Act 1986 - Section 2(1)(d)(ii) - What is to be seen here is that whether the dominant intention or dominant purpose for the transaction was to facilitate some kind of profit generation for the person who has availed the service. (Para 21) [Context: National Consumer Disputes Redressal Commission (NCDRC) found the Central Bank of India deficient in service and awarded Rs. 75 lakh in compensation to M/s Ad Bureau, along with litigation costs of Rs. 20,000- In appeal before SC, the issue raised was whether M/s Ad Bureau, as a borrower of a project loan, qualifies as a "consumer" under Section 2(1)(d)(ii) of the Consumer Protection Act, 1986 - Allowing appeal and setting aside NCDRC Order, SC observed: The loan’s dominant purpose was profit generation through the commercial venture of film post-production, not merely self-branding for livelihood. ]