Case of the defence 1. That no document has been adduced which may provide that I had allowed clean OD in the account on the mentioned dates. 2. That the Exbt M45 (a) provides that on 01-10-2008, the overdrawing of Rs.1,20,000/- was allowed by some other officer but not by me. 3. That as per Exbt M46 (a) it provides that the overdrawing for Rs.9.50 lac was not allowed by me but by some other official. 4. That the system generated vouchers were not provided to depict that who has entered the transaction in the system and who has passed and verified it. 5. That the said overdrawings were recovered during the relevant time and period. 6. That the charge has been proved on the basis of M130 which is not a ratified document. 7. That the error is not so grave that it has warranted punishment of my ‘compulsory retirement’ at the age when I was young and having more than 10 years remaining service with large liabilities of three daughters without a son and without wife, alongwith a cancerous disease of Flaria in my right leg which is un-cureable and medical science has no cure whatsoever of it. Charge VII (B) – FD Account No.776 dated 14-08-2008 for Rs.50,000/- fvg.Nirmal Singh and Smt.Gurdial Kaur Allegation – He issued fake FD receipt No.SVQ949142 (A/c No.PR-776) dated 14-08-2008 for Rs.50,000/- but FD a/c was opened with zero balance since instructions in the system which is in contravention to Head Office guidelines. Findings of the EO/Disciplinary Authority The charge has been proved by the Inquiry Officer and the Disciplinary Authority has endorsed the same. Case of the defence 1. That the party was maintaining SF account 3500000106025024 with the branch and on 14-08-2008 requested to debit the SF account and to issue FDR for Rs.50,000/-. Accordingly, the account opening form was filled in by Sh.Dalwinder Singh, CTO, consideration vouchers were prepared by Sh.Singh, CTO and the transaction was initiated by Sh.Singh. He also prepared the FDR in question and thereafter, it was signed by me. But the said SF account of the party was not debited on account of unknown error in the system whereas on the other hand, I was also untrained or layman in the matter of operational aspects of the computer. But the intension of the party or the CTO has not been malafide and thus the balance of Rs.55,000/- remained intact in the said SF account and the bank has never been short of funds. 2. That the said foolish inadvertent bonafide error was detected on 13-04-09 and the same was rectified on 13-04-09 by debiting SF account for Rs.50,000/- by issuing afresh FDR and by cancelling the previous FDR. It is pertinent to mention that the amount Rs.55,000/- in SF remained intact throughout and the bank never remained short of funds. 3. That the said FDR was neither misused nor it was used or encashed prior to maturity and thus the customer was not benefited twice or once of the amount of Rs.55,000/-. Thus, instead of credit balance in the FDR, a balance of Rs.55,000/.- remained intact in the SF account without any loss to the bank or without detrimental to the interest of the bank. 4. That the foolish inadvertent error without any motive has not earned any benefits to any of the parties and prior to maturity of the FDR, the amount was debited to SF account with credit to FD account. 5. That the bank has not suffered any loss out of this foolish inadvertent and bonafide error. 6. That the error is not so grave that it has warranted punishment of my ‘compulsory retirement’ at the age when I was young and having more than 10 years remaining service with large liabilities of three daughters without a son and without wife, alongwith a cancerous disease of Flaria in my right leg which is un-cureable and medical science has no cure whatsoever of it. Charge VII (C) (1) – Account No.KCC-86-12782 Jeevan Kumar & Naseeb Kaur Allegation – Sh.Mahi issued no dues certificate for release of mutuated land mortgaged in the a/c even though debit balance is outstanding. Findings of the Inquiry Officer/Disciplinary Authority The charge has been proved by the Inquiry Officer and the Disciplinary Authority has endorsed the findings.
Posted on: Sun, 16 Jun 2013 17:59:35 +0000
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