<div id="readability-page-1"><div id="parent_top_div"><p>Shri Sanwar Mal Sharma, sole proprietor of Sunil Timbers in Banswara, had approached ICICI Bank for a business loan of ₹34 lakh. As part of the loan process, a policy had to be purchased to insure the stocks and goods against the risk of fire and burglary. A loan of ₹34,85,632 was sanctioned on June 9, 2007, which included the total insurance premium of ₹85,632. The EMIs were calculated on the entire sanctioned amount. The bank also procured a Home Safe Plus Merchant Insurance Policy from ICICI Lombard General Insurance.</p> <p>On August 4, 2009, a fire broke out, destroying the</p></div></div>

印度工业信贷投资银行

<p>一家银行因在涉及 Shri Sanwar Mal Sharma 的案件中未经同意更改政策而被判定承担责任。Shri Sanwar Mal Sharma 向 ICICI Bank 申请了一笔 340 万印度卢比的商业贷款。该贷款于 2007 年 6 月 9 日获批，其中包括用于保护库存免受火灾和盗窃的保险费用。在 2009 年 8 月 4 日发生火灾事件后，关于银行政策变更及其对被保险货物影响的问题浮出水面</p>

消费者保护：银行因未获得同意而更改政策被追究责任