Facts: The respondent, Sayona Colors Pvt. Ltd., filed an insurance claim of approximately Rs. 28.20 Crores following a fire incident at their godown on 25.03.2011, which they attributed to a short circuit. The appellant-Insurance Company contested the claim, noting that the respondent had significantly enhanced its insurance coverage just weeks before the incident. Investigations by a surveyor and Truth Labs revealed that the fire was not caused by a short circuit but was an act of arson, as traces of kerosene (a fire accelerant) were found at the seat of the fire. Furthermore, the alleged suppliers of the destroyed stock were found to be non-existent or had fabricated invoices to inflate the claim.Procedural Posture: The National Consumer Disputes Redressal Commission (NCDRC) partly allowed the consumer complaint, directing the appellant to pay Rs. 3,33,63,642/- with interest. The Insurance Company appealed this order before the Supreme Court of India.Issue: Whether a consumer forum can grant partial compensation for a loss when the underlying insurance claim is found to be fraudulent and based on deliberate arson?Holding: No, the claim must be rejected in toto.Reasoning: The Court reasoned that "fraud vitiates all solemn acts", and no party can be permitted to take advantage of their own wrong. Forensic evidence conclusively proved that the fire was orchestrated using kerosene and that the electrical system showed no signs of a short circuit. The respondent also used fabricated invoices from non-existent suppliers to inflate the claim. The Court held that once a claim is established as fraudulent, the entire edifice collapses; quantification of actual physical loss becomes irrelevant. An insurance contract is not an instrument for unjust enrichment. Consequently, the NCDRC erred in granting partial relief, as there is no concept of equitable relief for a claim tainted by fraud.