In a pivotal judgment, the National Consumer Disputes Redressal Commission (NCDRC) has determined that the complaints of former employees of Sangli Bank Limited (SBL), which later merged with the ICICI Bank, for not providing them with a retirement pension scheme falls under the ambit of service as defined the Consumer Protection Act. Hearing a petition filed by ICICI Bank (Erstwhile Sangli Bank Limited-ESBL) Retired Employees' Welfare Association, a bench consisting of presiding member Ram Sura