Goyal Ltd. a small scale industry applied for a loan to a financial institution Royal Ltd. Royal Ltd. in exercising their discretion and to act in accordance with best judgement took time to grant the loan. Before the lo

National Consumer Disputes Redressal Commission in the case of Special Machines v. Punjab National Bank held that failure to provide nursing and financing facilities to a small scale industry which consequently became sick cannot be said to constitute 'deficiency in service' as in matters of grant or withholding of further advances and insisting on margin money, banks may exercise their discretion and act in accordance with their best judgement after taking into account various relevant factors. Therefore, the proper forum to agitate such grievances is a civil court. In view of the above Goyal Ltd. will not succeed.