As per the case facts the appellants purchased Kisan Vikas Patras KVPs but faced issues with their encashment Their complaint before the NCDRC was dismissed against most respondents but allowed ... against one individual The appeal to the Supreme Court arose to challenge the NCDRC's dismissal against the Post Master General and others The question arose whether the respondents particularly the postal authorities were liable for the fraudulent encashment of KVPs due to the actions of an employee and if there was a violation of the rules governing KVP encashment Finally the Supreme Court allowed the appeals setting aside the NCDRC's order dismissing the consumer case The Court held that the respondents would be jointly and severally liable to pay the maturity value of the KVPs as on the date of presentation for encashment along with simple interest The appellants were also awarded compensation and costs The Court found a violation of Rules and of the Rules because there was no satisfaction from the officer-in-charge that the person presenting the certificate for encashment was entitled to it