M/S.K.VIKAS & CO. vs STATE BANK OF SAURASHTRA .

The Supreme Court dismissed the appeal but reiterated the National Commission's observations that the appellant is entitled to file a civil suit. The Court clarified that if the appellant submits an application under Section 14 of the Limitation Act, it must be considered by the competent Court in accordance with the law, taking into account the ongoing complaint under Section 12 of the Consumer Protection Act, 1986. The judgment emphasizes the right to seek remedies under civil law despite the dismissal of the appeal.