{
  "story_id": "acf98ac26c01f82d66745268a64a3f2b",
  "desk": "drm3",
  "revision": 1,
  "published_at": "2026-09-02T08:51:04.000Z",
  "content_hash": "72d3aa4306a9e64a52eb61f547eb23c8701296e4f55d87feed5dd38412f4d10d",
  "hash_basis": "sha256 over `headline\\ndek\\nprose`, plus `\\n` + the canonical citations JSON when any source is placed, plus `\\n#blog` for blogs",
  "basis": {
    "headline": "Karnataka Commission Orders Bank to Pay Full Value for Stolen Pledged Gold",
    "dek": "Karnataka consumer commission ruled a bank must compensate for making charges and stones, not just gold weight, when pledged jewellery is stolen.",
    "prose": "The Karnataka State Disputes Redressal Commission ruled on July 30, 2026, that Canara Bank cannot limit compensation for stolen pledged gold jewellery to the net gold value alone. [^1]\n\nThe lender must account for making charges and the value of stones in the jewellery when compensating for items stolen while in the bank's custody. [^2]\n\nIn July 2020, the District Commission allowed the complaint, directing the bank to pay the additional Rs 88,362 with 9% interest from 2018-08-29, plus Rs 30,000 compensation and Rs 10,000 litigation expenses, within 45 days. [^3]\n\nThe ruling applied to a dispute involving Canara Bank's Bukkapattana branch in Tumkur district, where gold jewellery pledged by borrower B.K. Balaraju for two gold loans was stolen in a robbery. [^4]\n\nA resident of Tumkur, Karnataka, opened two gold loan accounts with a Canara Bank branch in August 2017, pledging gold jewellery - 120.80 grams under the first account and 133 grams under the second - and borrowed Rs 1,50,000 against each account. [^5]\n\nCanara Bank challenged the District Commission's decision before the Karnataka State Disputes Redressal Commission, arguing that it had already paid the gold value and that the borrower's demand for 20% making charges and 3% stone value without supporting documents was not payable. [^6]",
    "cited": "[{\"statement\":\"The Karnataka State Disputes Redressal Commission ruled on July 30, 2026, that Canara Bank cannot limit compensation for stolen pledged gold jewellery to the net gold value alone.\",\"source\":\"mint\",\"instrument\":\"News\",\"claim_key\":null,\"published_at\":\"2026-09-02T08:51:04.000Z\",\"publisher_count\":1,\"sources\":[\"mint\"]},{\"statement\":\"The lender must account for making charges and the value of stones in the jewellery when compensating for items stolen while in the bank's custody.\",\"source\":\"mint\",\"instrument\":\"News\",\"claim_key\":null,\"published_at\":\"2026-09-02T08:51:04.000Z\",\"publisher_count\":1,\"sources\":[\"mint\"]},{\"statement\":\"In July 2020, the District Commission allowed the complaint, directing the bank to pay the additional Rs 88,362 with 9% interest from 2018-08-29, plus Rs 30,000 compensation and Rs 10,000 litigation expenses, within 45 days.\",\"source\":\"The Times Of India\",\"instrument\":\"News\",\"claim_key\":null,\"published_at\":\"2026-08-31T16:35:50.000Z\",\"publisher_count\":1,\"sources\":[\"The Times Of India\"]},{\"statement\":\"The ruling applied to a dispute involving Canara Bank's Bukkapattana branch in Tumkur district, where gold jewellery pledged by borrower B.K. Balaraju for two gold loans was stolen in a robbery.\",\"source\":\"mint\",\"instrument\":\"News\",\"claim_key\":null,\"published_at\":\"2026-09-02T08:51:04.000Z\",\"publisher_count\":1,\"sources\":[\"mint\"]},{\"statement\":\"A resident of Tumkur, Karnataka, opened two gold loan accounts with a Canara Bank branch in August 2017, pledging gold jewellery - 120.80 grams under the first account and 133 grams under the second - and borrowed Rs 1,50,000 against each account.\",\"source\":\"The Times Of India\",\"instrument\":\"News\",\"claim_key\":null,\"published_at\":\"2026-08-31T16:35:50.000Z\",\"publisher_count\":1,\"sources\":[\"The Times Of India\"]},{\"statement\":\"Canara Bank challenged the District Commission's decision before the Karnataka State Disputes Redressal Commission, arguing that it had already paid the gold value and that the borrower's demand for 20% making charges and 3% stone value without supporting documents was not payable.\",\"source\":\"The Times Of India\",\"instrument\":\"News\",\"claim_key\":null,\"published_at\":\"2026-08-31T16:35:50.000Z\",\"publisher_count\":1,\"sources\":[\"The Times Of India\"]}]",
    "kind": "news"
  },
  "receipt_verify": "Ed25519 over the dot-joined string `slice_hash.cursor_from.cursor_to.view.view_version.row_count`; public_key and sig are base64url of the raw 32-byte key / 64-byte signature",
  "receipt": null,
  "receipt_note": "this revision predates receipt-keeping (before v0.37.0); the filed row lives in the record",
  "generation_chain": {
    "wire": {
      "stream": "fountain_news",
      "story_id": "054134aeb1bee60994821e5cf05b4749",
      "thread_id": "a375be73a0cab70921cd51d102cafe27",
      "thread_label": "Karnataka State Disputes Redressal Commission",
      "novelty": "UPDATE",
      "content_hash": "c14cede27cb6fa168ae1351be6aab6db05ee869dfb13bee6e1080c38c51ca521",
      "last_published_at": "2026-09-02T08:51:04.000Z",
      "read_receipt": {
        "slice_hash": "b70ddb5ce45dcedb5a9c8daca82a73d68678856f6c51227e067501d9fa3ef4d8",
        "cursor_from": "eyJ0cyI6IjIwMjYtMDktMDJUMDc6NDg6NDkuMDAwMDAwWiIsImlkIjoiZTlkZTA0NWE4NTRkNDJhYzAwMTVhN2EzZGE3MWMzOGQiLCJ2IjoiMSJ9",
        "cursor_to": "eyJ0cyI6IjIwMjYtMDktMDJUMDk6MDA6MDAuMDAwMDAwWiIsImlkIjoiMjBhNjFhNjA1MGRiZjdmZjlkZWVhYzlhZTk5NjkzZjEiLCJ2IjoiMSJ9",
        "view": "v_fountain_news",
        "view_version": "1",
        "row_count": 100,
        "window_days": 3,
        "bytes_scanned": 12017721,
        "credits": 8,
        "price_per_100_rows": 8,
        "sig": "GMEZ4hLrAEkN4mlJWarHzhaj8yHH1D7p0TmIn-VZj8MD6NfAxN6jsHtaT1KUQCdYcYLfm53_146PqOW3vLHnAg",
        "public_key": "bMUigy8O0jOnBxQ4Sc-5lwhIZ8LQVAhxMbR7qESVuUE",
        "signer_path": "lakehouse/data-extract/v1",
        "alg": "Ed25519",
        "signed": true
      }
    },
    "written_at": "2026-09-02T22:41:32.443Z"
  },
  "cited_facts": [
    {
      "statement": "The Karnataka State Disputes Redressal Commission ruled on July 30, 2026, that Canara Bank cannot limit compensation for stolen pledged gold jewellery to the net gold value alone.",
      "source": "mint",
      "instrument": "News",
      "claim_key": null,
      "published_at": "2026-09-02T08:51:04.000Z",
      "publisher_count": 1,
      "sources": [
        "mint"
      ]
    },
    {
      "statement": "The lender must account for making charges and the value of stones in the jewellery when compensating for items stolen while in the bank's custody.",
      "source": "mint",
      "instrument": "News",
      "claim_key": null,
      "published_at": "2026-09-02T08:51:04.000Z",
      "publisher_count": 1,
      "sources": [
        "mint"
      ]
    },
    {
      "statement": "In July 2020, the District Commission allowed the complaint, directing the bank to pay the additional Rs 88,362 with 9% interest from 2018-08-29, plus Rs 30,000 compensation and Rs 10,000 litigation expenses, within 45 days.",
      "source": "The Times Of India",
      "instrument": "News",
      "claim_key": null,
      "published_at": "2026-08-31T16:35:50.000Z",
      "publisher_count": 1,
      "sources": [
        "The Times Of India"
      ]
    },
    {
      "statement": "The ruling applied to a dispute involving Canara Bank's Bukkapattana branch in Tumkur district, where gold jewellery pledged by borrower B.K. Balaraju for two gold loans was stolen in a robbery.",
      "source": "mint",
      "instrument": "News",
      "claim_key": null,
      "published_at": "2026-09-02T08:51:04.000Z",
      "publisher_count": 1,
      "sources": [
        "mint"
      ]
    },
    {
      "statement": "A resident of Tumkur, Karnataka, opened two gold loan accounts with a Canara Bank branch in August 2017, pledging gold jewellery - 120.80 grams under the first account and 133 grams under the second - and borrowed Rs 1,50,000 against each account.",
      "source": "The Times Of India",
      "instrument": "News",
      "claim_key": null,
      "published_at": "2026-08-31T16:35:50.000Z",
      "publisher_count": 1,
      "sources": [
        "The Times Of India"
      ]
    },
    {
      "statement": "Canara Bank challenged the District Commission's decision before the Karnataka State Disputes Redressal Commission, arguing that it had already paid the gold value and that the borrower's demand for 20% making charges and 3% stone value without supporting documents was not payable.",
      "source": "The Times Of India",
      "instrument": "News",
      "claim_key": null,
      "published_at": "2026-08-31T16:35:50.000Z",
      "publisher_count": 1,
      "sources": [
        "The Times Of India"
      ]
    }
  ],
  "note": "A signature proves who filed this and that it has not changed since. It never makes a claim true."
}