Separate civil suit by Locker holders for claiming cost of articles kept inside locker in case of theft, loss or misappropriation when bank contests claim and its liability or negligence. The remedy under Consumer Protection Act is also available against deficiency of services by bank.

The Supreme Court in Amitabha Dasgupta Versus United Bank of India & Ors., dated 19.02.21 held that “In the present case, the Respondent bank has not disputed their negligence in breaking open the locker in spite of clearance of rental dues by the Appellant....