JUDGMENT : GEETHA K.B., J. These appeals are filed under Section 173(1) of Motor Vehicles Act, 1988, by the insurer and claimant respectively questioning the Judgment and Award passed in MVC No.501/2018 dated 26.08.2022 on the file of Senior Civil Judge and Additional MACT, Haliyal (for short ’the Tribunal’). 2. The insurer has filed the appeal challenging the quantum of compensation on the ground of percentage of disability taken by the Tribunal and the claimant has filed the appeal praying for enhancement of compensation under several heads. 3. Parties would be referred to with their ranks as they were before the Tribunal for sake of convenience and clarity. 4. The claimant has filed the claim petition under Section 166 of the Motor Vehicles Act, 1988, praying for compensation in respect of the accident that had taken place on 08.01.2018 at 02.30 p.m., near Jomathale village at Kanapur-Ramnagar road involving the motorcycle bearing registration No.KA-65/H-1579 and truck bearing registration No.MH-09/Q-5118. The contention of claimant is that due to the accident he has sustained following injuries:- 1)Ileum right side 2)Fracture of metacarpal little finger, 3)Fracture of left patella 4)Fracture of shaft of left femur and 5) Dislocation of right shoulder joint. 5. The claimant has taken treatment as an inpatient and an outpatient in several hospitals and he was advised to take rest. He was working as a labourer before the accident and thus he has sustained 100% functional disability, because he cannot do the manual labour work which he was doing earlier. Hence, prayed for compensation under several heads. 6. On receipt of notice, respondent No.1 filed his written statement, wherein, he contended that the accident happened due to rash and negligent riding of motorcycle bearing Registration No.KA-65/H-1579 by the claimant and not because of the driver of truck bearing Registration No. MH-09/Q-5118. Further it was contended that his vehicle is validly insured with respondent No.2 and hence, he is not liable to pay compensation. The owner and insurer of motorcycle are not made as parties to the petition. Hence, petition is bad for non-joinder of necessary parties. Hence, prayed for dismissal of the petition. 7. Respondent No.2 filed its written statement wherein it took contention that the driver of the truck was not having a valid and effective driving license at the time of accident. Hence, petition is bad for non-joinder of necessary parties. Hence, prayed for dismissal of the petition. 7. Respondent No.2 filed its written statement wherein it took contention that the driver of the truck was not having a valid and effective driving license at the time of accident. Further, the owner has not fulfilled the requirement of Rule 3 of Central Motor Vehicles Rules, 1989. The truck in question was not having a fitness certificate. Hence, there is a breach of policy conditions and thus, it is not liable to pay compensation. 8. On behalf of claimant, claimant was examined as PW1, apart from examining two doctors as PW.2 and PW.3, and marking Exs.P.1 to P.16 before the Tribunal. On behalf of respondents, no oral evidence is let in, except marking Exs.R.1 to R.3. 9. After recording evidence of both sides and hearing arguments of both sides, the Tribunal came to the conclusion that the accident occurred due to rash and negligent driving of the driver of the truck bearing Registration No.MH.09/Q-5118 and that it is validly insured with respondent No. 2 and thus saddled the liability on respondent No. 2. 10. Not satisfied with the compensation awarded, the claimant has preferred the appeal, and challenging the percentage of disability taken by the Tribunal the insurer has preferred the appeal. 11. Heard arguments of both sides. 12. Learned counsel for appellant Kumari Vinaya Kuppellur for Sri.N.R.Kuppelur would submit that as per the disability certificate, the disability was 30% to lower limb and 5% to right upper limb and total disability was only 35% and its 1/3 rd ought to have been taken for the whole body. But, the Tribunal has taken the disability to the whole body at 35%, which is not proper. 13. Learned counsel for appellant further submits that the rate of interest awarded by the Tribunal at 9% is also on the higher side and it ought to be at 6% per annum. For these two reasons, she prayed for modification of the judgment and award. 14. 13. Learned counsel for appellant further submits that the rate of interest awarded by the Tribunal at 9% is also on the higher side and it ought to be at 6% per annum. For these two reasons, she prayed for modification of the judgment and award. 14. Learned counsel for claimant-appellant Sri.Ashok A. Nayak would submit that the claimant has suffered 5 fractures and thus the amount of compensation awarded under the heads of pain and suffering, food, diet and nourishment, conveyance charges and loss of amenities by the Tribunal was on the lower side and hence prayed for enhancement of compensation on those heads and prayed for allowing his appeal. 15. Having heard arguments of both sides and verifying the appeal papers along with trial Court records, the points that arise for consideration are: 1) Whether the percentage of disability taken by the Tribunal is proper? 2) Whether claimant is entitled for enhancement of compensation under several heads? 16. Finding on these points would be in the Negative and Affirmative respectively, for the following reasons:- Date, place and time of accident is not in dispute i.e., the accident that has taken place on 08.01.2018 at 02.30 P.M., near Jomathale Village at Khanapur-Ramnagar road, involving motorcycle bearing registration No.KA-65/H-1579 and Truck bearing registration No.MH-09/Q-5118 is not in dispute. The injuries sustained by the claimant in the aforesaid accident are 1) Ileum right side 2)Fracture of metacarpal little finger, 3)Fracture of left patella 4)Fracture of shaft of left femur and 5) Dislocation of right shoulder joint, is not in dispute. Thus, the claimant has suffered five injuries and taking note of the treatment taken as inpatient and suffering undergone, the compensation under the head “ pain and suffering ” ought to be Rs.1,00,000/- but the Tribunal awarded only at Rs.50,000/-; likewise, towards ”food, diet and attendant charges”, the compensation would be Rs.20,000/- instead of Rs.10,000/- awarded by the Tribunal; likewise the compensation awarded under the head -“conveyance charges” would be Rs.20,000/- instead of Rs.5,000/- awarded by the Tribunal and towards “loss of amenities ”, compensation should be Rs.50,000/- instead of Rs. 20,000/- awarded by the Tribunal. 17. 20,000/- awarded by the Tribunal. 17. As far as percentage of disability to the whole body taken by the Tribunal is concerned, it is improper because, as per the disability certificate -Exhibit P.12, the claimant has disability of only 5% to his right upper limb and 30% to his left lower limb and thus total is 35% to particular limbs. 1/3 rd of disability to a particular limb is to be taken to determine the whole body disability and thus disability of claimant shall be taken at 12% instead of 35% taken by the Tribunal. The claimant has not produced any material before the Court to show his actual income and hence, as the accident has taken place in the year 2018, by relying upon the notional income as per chart prepared by KSLSA for Lok Adalat, the income of claimant shall be taken at Rs.11,750/-p.m. Thus, loss of income due to disability would be Rs.11,750/- X 12 X 17 X 12%=2,87,640/-. 18. The Tribunal has awarded rate of interest at 9% which is on the higher side and hence, considering the bank rate of interest, it shall be reduced to 6% per annum. 19. Thus, the claimant is entitled for the following reduced compensation:- 20. With these modifications, we proceed to pass the following: ORDER a) The appeals are allowed in part b) The judgment and award passed in MVC No.501/2018 dated 26.08.2022 on the file of Senior Civil Judge and Additional MACT, Haliyal is modified; c) The claimant is entitled for total compensation of Rs.7,13,300/- as against Rs.11,59,515.71/- awarded by the Tribunal; d) The aforesaid shall carry interest at the rate of 6% p.a. from the date of petition till the date of its realization; e) The respondent-Insurer is directed to deposit the compensation amount along with interest within eight weeks from the date of receipt of certified copy of this judgment; f) The deposit and disbursement shall be made as per the award of the Tribunal; g) Amount in deposit, if any, is ordered to be transferred to Tribunal. h) No order as to costs.