Punjab National Bank [PNB] Complaints & Reviews

MOST URGENT
B.R. Mahi (PF 52135),
Backside K.C. Palace,
Saloh Road Nawanshahar,
Distt. Shaheed Bhagat Singh Nagar,
Punjab.

To
Hon'ble Mr. Justice P. Sathasivam
Chief Justice of India
Supreme Court of India
Tilak Marg
New Delhi (110001)

Respected Sir,
Sub: - Sh.B.R.Mahi (PF52135), Ex-Manager, LBO Hoshiarpur Previous at B.O. Usmanpur. Charge sheet dated 05/10/2009. REVISION PETITION TO CMD PNB NEWDELHI
It is submitted that I was compulsory retired from PNB LBO Hoshiarpur vide. Disciplinary authority order dated 6.7.2011 and confirmed by the appellate authority. My review application was rejected by The ED vide has order date 18/10/2012. I want to bring it into your kind notice that these order are issued on following flimsy grounds only to endorse the views of disciplinary and appellate Authority. It is not based on independent judgment based on independent views.
The view expressed in inquiry reports are not based on facts and figures. Enquiry report is made on the verbal instruction of the senior officers who are prejudiced against me because of some personal grudges against me. The charge sheet issued to me was very lengthy and records pertaining to the charge sheet were not issued to me to make my defense / reply to charge sheet intentionally.
The charge sheet was so exhaustive that with a single day visit to the branch, the whole record could not be inspected and noted to file the written reply of charge sheet. Documents must be provided to me to give the proper reply to the charge sheet in defence. I visited the branch on 23/10/2009 and requested for supplying attested copies of the certain documents for reply of charge sheet. I have not been given ample opportunity intentionally to give the reply of charge sheet on the verbal instructions of higher authorities.

A) MOST URGENT: - “THAT INSPITE OF SEVERAL NOTICES AND WRITTEN REQUESTS PROPERLY ACKNOWLEDGEMENT BY THE BANK, THE BANK HAS NOT PROVIDED ME DOCUMENTS AND THE LIST OF PROSECUTION WITNESS ON WHICH THE CHARGE SHEET WAS BASED. THEREFORE PROCEEDINGS CONTINOUED WITHOUT PROVIDING THE DOCUMENTS ARE NULL AND VOID.”
B) That the order of penalty has been passed by the incompetent authority.
1) It is submitted that in terms of PAD Circular No. 16 dated 10.1.2011, the Head Office has scheduled and designated the Disciplinary Authority as well as Appellate Authority w.e.f. 10.1.2011, according to which, the Asstt. General Manager in the Circle Office has been designated as Disciplinary Authority and in case, the Asstt. General Manager is not posted then the Deputy General Manager would be the Disciplinary Authority. In the present case, the Asstt. General Manager Mr. K.V. Anand was posted in the Circle Office and he was designated as Disciplinary Authority. But in my case, the Deputy General Manger Sh. S.S.ARORA has passed the final orders dated 6.7.2011 in violation of PAD Circular No. 16 dated 10.1.2011. It is a settled law that when the order has been passed by the incompetent authority then, the same is vitiated being illegal and not liable to be sustained. The reviewing authority is requested to kindly look into this aspect and to quash and set-aside the impugned orders dated 6.7.2011 of the Disciplinary Authority.
2) I want to Quote a glaring example of victamisation that I was on leave from 14-92007 to[protected] to visit Abroad and during this period Sh.M.L.AHUJA was officiating as Manager and he obtained loan application on[protected] and sanctioned on[protected] and also disbursed the loan of[protected] to the borrower. The mistakes committed by Sh.M.L.AHUJA by granting loan to his nephew The onus of these mistakes has been put on me even as I was not in India. Copy of passport attached which clearly depicts that I was not in India in these days. How can I rectify the mistakes committed by Sh.M.L.AHUJA on returning from abroad?
3) That with regard to charge no 4 Account No.KCC 86 – 12162 Balbir Singh for Rs.5 lacs dated[protected].
Allegation – The limit was sanctioned on[protected] for 5 lacs. At the request of the party and as per office note, the limit was reduced from Rs.4 lac to Rs.2 lacs w.e.f[protected] but the limit was not reduced in system and party is allowed to avail the limit up to the level of Rs.4.lac. The balance outstanding in the account in Rs.3.92 lac as on[protected]. Findings of the Inquiry Officer/Disciplinary Authority.The Inquiry Officer has proved the charge and the Disciplinary Authority, Reviewing Authority and appellate authority have endorsed the same. I had submitted in my appeal that neither this loan was sanctioned by me nor it was renewed by me nor I was posted at B.O. Usmanpur on 17.5.2005 and thus, the allegation was not remotely attributable to me. It may be seen that on 17.5.2005, I was posted in a different branch i.e. Rahon. But, the Appellate Authority has not appropriated this evidence and without making any comment on my this submission, the appeal was rejected. Thus, the order of Appellate Authority is non-speaking, arbitrary and perverse. Since, the aforesaid issues have not been discussed by the Appellate Authority in his order, therefore, the order is non-speaking, arbitrary and perverse.In support of my aforesaid contentions, I refer the following landmark judgements thereby showing emphasis in my contention in a legal and valid form to which the reviewing authority is requested to consider the same sympathetically.
4) The Disciplinary Authority (DA) recommended stop page 5 Increments at the very first instance to the CVO, PNB Head Office New Delhi but CVO declined to endorse. At the second instances Disciplinary Authority recommended stop page of 7 Increments again CVO didn’t concur and sent back the case to Disciplinary Authority . Disciplinary Authority again at the third instances recommended stop page of 7 Increments but CVO again declined and adamant. At the fourth instances on the instruction/pressure of CVO Disciplinary Authority recommended The Compulsory Retirement to CVO and the CVO concurred. It is quite clear from the above proceedings that the Disciplinary Authority decision was based on the pressure adopted by CVO. The CVO concurred on 25/6/2011 and he was retired on[protected] before 5 days his retirement. It is submitted that CVO disposed of this file at page end of his retirement only clear the Backlog his files, by not applying his mind in an impartial and by giving proper thought to the career of an officer. He with the just stroke of pen spoiled unblemished career of 27 long years.
5) The unproved charges by inquiry officers are also taken as proved to enhance gravity of charge ti mislead the higher authorities to give unjustified punishment to me by Disciplinary Authority.
6) No Reputation loss is suffered by the bank and no financial loss had been incurred by bank only to give justify the punishment of The Compulsory Retirement awarded by Disciplinary Authority and appellate authority, this is being stated.
7) Where as many officers of PNB with whose conduct bank has suffered a lot of financial loss but has not been compulsory retired and has been continue to work and promoted by the Bank. I want to quote many instances with reference to my above submission that
i) Sh.Arora Senior Manager, PNB Nawashahr Doaba ( Main branch), was charge sheeted and again allowed to continue work and promoted.
ii) Sh.Madaan officer of PNB Nawashahr Doaba (Main Branch), ), was charge sheeted and again allowed to continue work and promoted.
iii) Sh.Gajjan Ram Manager PNB Phillaur, was charge sheeted in DD cases and again allowed to continue work and promoted.
iv) The Senior Manager PNB Phillaur, was charge sheeted and again allowed to continue work and promoted.
v) Sh.Bakshish Singh Bagla Manager PNB, Binjoo (Hoshiarpur) was charge sheeted in fraud case and bank has suffered financial loss but despite this he was again allowed to continue work and promoted.
vi) Sh.Dev Raj Deputy Manager PNB, Binjoo (Hoshiarpur) was charge sheeted in fraud case and bank has suffered financial loss but despite this he was again allowed to continue work and promoted.
vii) Sh.Charanjit Chopra Manager PNB Mehatpur Uladani
viii) ( Nawashahr) was charge sheeted in fraud case and bank has suffered financial loss but despite this he was again allowed to continue work and promoted.
ix) Sh.Harpal Singh Deputy Manager PNB Mehatpur Uladani (Nawashahr) was charge sheeted in fraud case and bank has suffered financial loss but despite this he was again allowed to continue work and promoted.

All These Instances are quoted to bring it into your kind notice that despite Disciplinary Authority(DA) recommended lesser punishment to me due to undue pressure tactics adopted by outgoing Retired CVO Sh.K.Bhaskar from PNB. My punishment was enhanced by Disciplinary authority (DA).
I Quoted many high courts & supreme courts New Delhi judgements at the time of inquiry, appeal, Review in my defence but were not taken into consideration.
1) It is submitted that when I took over the charge as branch Manager at Usmanpur, the performance of the Branch was at its lowest deposit of figure of Rs. One Crore Thirty Lakh and Credit was at One Crore Fifty Six Lakh. I did my work honestly and diligently and took the performance of the Branch to its new high ( i.e. deposits of Rs. Ten Crore Seventy Five Lakh and Credit of Rs. Nine Crore Eighty Lakh)
2) During business review meeting DGM Circle Head Office Hoshiarpur has declared that I would transfer the officers by keeping performance of the branch in mind and those who are good performers will be given branch of their own choice and suitability. But my transfer has been done ignoring my hard work and performance only due to being a Scheduled Caste Manager and Discriminated against me.
3) My work at Usmanpur branch stood first in the Distt. And 5th number in circle. In my branch each and every activity was done as per bank norms and nothing has been done fraudulently.
4) Only due to misreporting by Sh, Jaswinder Saini LDM on the directions of Sh.M.S.Nijjar AGM. Both those officers are ill treating me due to their past personal grudge. Both these officers have shown and presented a bad performance o[censored]smanpur Branch intentionally.
5) Both these officers as explained in previous paragraphs intentionally and deliberately harass me on flimsy grounds and tarnish my image in the eyes of my superiors.
6) It is submitted that I Sh. Baldev Raj Mahi Ex- Manager, PNB Usmanpur, Distt Nawashahr, Punjab belongs to Schedule Caste category. On the basis of my caste, the then AGM, Circle Office Hoshiarpur Sh M.S.Nijjar Discriminated, harassed and in a revenge full manner acted against me only to tarnish my image in the eyes of my superiors. Sh.M.S.Nijjar has some personal grudge against me because he over stepped his powers when he transferred me from Banga branch while working as S.R.M Jalandhar . Then Zonal Manager Amritsar took the notice of the transfer and ordered to keep this transfer in Abeyance and also called the explanation of Mr.N.S.Nijjar.
Since he is working against me and trying to tarnish my image as well as trying to entangle me in one way or the other way. Only from this point he started acting in a whimsical manner against me.
7) I and my wife are ill despite my illness. I have been intentionally transferred to Hoshiarpur during the period of March closing and inspection period, so that I cannot remove irregularities during inspection.
8) I was not allowed to sit in the computer examination and not called me for interview and training which is compulsory for Schedule Caste category. When I was eligible both channel 1 and 2
9) Since April 2009 August 2009 my salary was not been released. My overdraft account has been freezed. Due to this I was unable to get proper treatment to myself and my family members. I was even unable to pay school fees of my children. My wife died due to non availability of funds.
10) . Casteist remarks were made against me by Sh.M.S.Nijjar AGM Circle office Hoshiarpur.
11) After some time Dr. B. L.Pathija proceeded on leave. M.R.Nijjar who was officiating as circle head ordered special inspection of BO Usmanpur . It was given to Sh. Jaswinder Saini, Manager, LDM Hoshairpur.
12) Sh.Jaswinder Saini was having already a grudge against me because when i was working as incumbent incharge at Behloor Kalan, Loan sanctioning power was vested in me and Sh, Jaswinder Saini was working as a recommending and processing authority . I received many complaints from borrowers that he was getting illegal graft from the borrowers of Agriculture Loan. I have pointed out this matter to Sh. Jaswinder Saini . That’s why he was malicious towards me. Branch inspection was going on and during the inspection I was relieved to join at PNB LDM Office Hoshiarpur . I was not given the opportunity to remove the small irregularities and verbal instructions were issued to the Inspector to make me scape goat .Even small mistakes which could be easily rectified, are presented to the management in such a way that it looks as Major Irregularities, If i was not relieved during Inspection these small mistakes / errors could be rectified .
13) Sh .G.L.Sharma investigated the Branch for sanction of Education Loan . He had not asked for my comments in the above investigation and submitted his false and fabricated report, without any evidence, baseless report on the verbal instructions of Sh.M.S.Nijjar . I have not been issued any tabular Performa as per Bank guidelines, no explanation was called and a direct charge sheet was served upon me on 5 / 10 / 2009 . I asked for relevant documents to submit my defence against the charge sheet . It was not provided to me . I am afraid to say how without relevant documents it is possible for me to make my defence . The charge sheet was prepared by Sh. Chander Shekhar Gautam, Sh . S.K.Sharma, Sh. Bajaj chief manager and other concerned officials who all were from General Category . They all followed the verbal instructions of Sh.M.S.Nijjar, Sh. Jaswinder Saini, Sh. G.L.Sharma, Sh. Chander Shekhar Gautam, Sh.S.K.Sharma, Sh. Bajaj who all discriminated against me on the basis of caste as i belong to Scheduled Caste . I have filed a case against Sh.M.S.Nijjar for calling me names on the basis of my caste which is still pending in the civil court Nawashahr Doaba ( Punjab ) .
14) Both of these officers worked against my interests to serve their own vested interest . Both of them did not grant me fair and ample opportunity to cross examine the witness and was not allowed me to exhibit my defence documents . The whole enquiry was conducted on the verbal instructions of D.A. Sh.S.S.Arora ( DGM) to make me scape goat .
15) The whole enquiry was not fair and impartial . P.O. Sh. Jai Ram submitted his briefs wrongly without any evidence and on baseless documents on the verbal order of the D.A. Sh. S.S. Arora (DGM).
16) I submitted my reply on P.O. briefs .E.O. Sh.Jagdish lal did not consider my reply as genuine and submitted his report on the verbal order of the D.A.Sh . S.S.Arora (DGM).
17) Even the charges which were not proved in the enquiry proceedings were proved against me baselessly without any documentary evidence only to tarnish my image in the eyes of superior authority and to make me scape goat . The whole case is absolutely based on discrimination against me on the basis of caste and arbitrary use of authoritative powers to do injustice against me . The whole general category officers acted against me only to spoil my career
18) All loan A/cs has been fully secured with collateral security and there is no apprehension of loss to the Bank. These facts has been wrongly communicated to yourgoodself by the officers who belongs to general category who all discriminated me on the basis of caste as I belong to scheduled caste
19) That I always received meritorious and appreciation letters for my working as Incumbent Incharge.
20) That my track record has been unblemished.
21) That I had already put clean and clear service of 27 years in the bank and thus, it was necessary to see my track record of 27 years period.
22) That my wife has since been expired after prolonged expensive illness.
23) That I have no son to take care of my family affairs.
24) That I always received meritorious and appreciation letters for my That I have three daughters for their education and marriage.
25) That I am suffering from the disease of Flaria which is uncureable.
26) That I have no other source of income.
27) That I do not have any past savings or funds in any shape or form or even I am not in a position to continue my family members with food, clothing, education, medical care and to discharge all other social and substantial and subsistent requirements for survival and to live with honour and dignity in the society.
28) All sympathies as human being are required.
29) That I was not the only person in the branch whereas all other officials have been exonerated for the same course of lapses and only I have been discriminated in the matter.
30) Than an opportunity of personal hearing may kindly be accorded under the principles of natural justice, even if the same is not provided under any of the Regulations, so that I may be heard properly, patiently and sympathetically.
31) That a lenient view may kindly be taken in the matter because at this age of about 50 years, I am unable to get employment anywhere whereas my wife has already expired, I have three daughters who are school and college going requiring financial assistance for their education and marriage whereas I am already suffering from Flaria in my leg which is un-cureble in the medical science. I have no other source of income whatsoever it may be and at the same time, I do not have any deposits or saved earnings in the past because lot of expenditure was incurred on the treatment of my wife etc
Other extenuating grounds
1. That I had a clean, unblemished track record of 27 years in the bank services which may kindly be considered.

2. That I am virtually a handicapped person, since I am suffering from incurable chronic disease of lymphatic filariasis, elephantiasis due to which my leg has become like a pillar due to which I cannot move to undertake day to day assignments etc. This disease spreads with the bite of a mosquito which is incurable in the world. It is like cancer.
3. That my wife had died on 19.8.2010 and I have three daughters in the age group of 23 years, 16 years and 14 years and I do not have sufficient means for their education and marriage. My father is also aged about 80 years and he is also dependant upon me. My all of three daughters are getting education and thus, they are unmarried. I have no other means to arrange for their marriage in a proper house with proper relationship under these circumstances.

4. That my Disciplinary Authority has been adamant to show these cases of fraud, whereas, there was not fraud or merit.

5. That the order of punishment as well as order of the Appellate Authority have been illegal wherein, copy of second stage advise of CVO was not provided to me, second show cause notice was not served upon me after disagreeing with the findings of the Inquiry Officer etc.

6. That the said penalty was enforced by the CVO whereas, the Disciplinary Authority had earlier proposed lesser punishment and thus, it is not the penalty imposed by the Disciplinary Authority, but the penalty as proposed by the CVO.

7. That my date of birth is 24.4.1961 and thus, I am only 51 years of age and at this juncture I am unable to work in any other vocation or place whereas, I have to educate and marry my three unmarried young daughters.

8. Prayer
1. That my this Application may kindly be considered sympathetically and favorably.

2. That the impugned orders of the Disciplinary Authority as well as of the Appellate Authority may kindly be quashed and set-aside.

3. That an opportunity of personal hearing may kindly be accorded under the principle of natural justice.
4 REVISION PETION TO CMD SH. K.R KAMATH FOR CHANGE THE HIGHER SIDE PUNISHMENT.
Submitted for favorable consideration.
PLEASE GIVE JUSTICE TO ME AGAINST DISCRIMINATION ON THE BASIS OF MY CASTE

Yours faithfully,

B.R. Mahi (PF 52135),
Backside K.C. Palace,
Saloh Road Nawanshahar,
Distt. Shaheed Bhagat Singh Nagar,
Punjab.
[protected](M)
Date-08 FEB .2014

Encl.:
1. Annexure-A
2. Proof of visiting England during the
period of 14.9.2007 to 29.10.2007.
3. Proof of disease.

Respected Sir, I Amit Kumar Gupta applied for educational loan and it is sanctioned against the following address, branch name PNB bank bhikharipur varanasi U.P and branch code is 4045 and education loan A/c 404500JB00000544. Loan is sanctioned on date 23-07-09 and CSIS scheme for free interest came into implementation on[protected] and for this notification I applied many times to my branch for letting me to enjoy the scheme’s benefits but they have not given any sound response as well as he will increased my rate of interest 10.5 to 13.5 percentage and tell, I have increased according to BPLR+1. Also I complained to the regional office for this matter they also gave statements that they have not received money from govt. Kindly do me a favour by redressing my grievance. I will be very much obliged. Your faithfully Amit Kumar gupta bhikharipur Varanasi, U.P-221005 A/c 404500JB00000544

Dear Sir/ Mam

It is request you that my mother (Mrs. Amrawati) was on roaming in Jaunpur (UP) and made transaction for withdrawal of Rs 10000/- on dated 14 Dec 2013. but unfortunately amount was not came out from SBI ATM machine of Location “Naouparwa bazaar, Jaunpur (UP)“ and amount of 10000/- was deducted from bank a/c. after that she contacted to bank branch of concerned bank. Bank Manager of concerned SBI bank suggested that need to contact her home branch for return back amount in her a/c.. but still its not returned back a/c. scanned copy of bank statement is enclosed for your reference.
After make on customer care of PNB I got compliant number 60852234. but it still not credit in account .

6/1/2014 my name -UPENDRA KUMAR GUPTA S/B ACCTT NO. [protected] PUNJAB NATIONAL BANK IFSC CODE -PUNB0032800 GWALIOR-MORAR -MALL ROAD BRANCH INTERNET BANKING TRANSACTION DONE ON 6/12/2013 AT 18:42:10 FOR RS/ 3275.00 TO SIMPLY MARRY.COM MONEY DEBITED FROM ACCOUNT BUT NOT RECEIVED BY THE PARTY COMPLAINT MADE TO PNB THEY SAID IT WILL TAKE ONE MONTH TO PROCESS REFUND COMPLAINT NUMBER IS 60778268 ON 5/1/2014 AGAIN COMPLAINT WAS DONE -PGI REF NO BPNB/BILL DESK/MPNB[protected].9/[protected] Now it is allready one month has passed to process the refund but my refund of Rs 3275/- is still awaited. I request that my refund be made turant by PNB ON LINE

dear sir/ madam I am regular customer of PNB metlife I have many policies in metlife through J K Bank Naidyar Rainawari but your advisor not contact me till date. when the premium of my policy is near. I contact many times but the said advisor is not available till date. my policy no is 20703897. From : Mustafa Nazir please feel free to contact me or mail me given below. cell: +91-[protected] E-mail. [protected]@gmail.com

My Self Anil Saini.My Father Had Taken Kishan Credit Card Loan From Punjab National bank In NArnaund Branch Hissar(haryana) In Year 2010 and Account Number is-[protected].And my father had pay in yearly and Half Yearly payment time to time.In Year 2013, December on 13th Decemebr, when i paid the amount of Rs.100000, Bank Had Deducted Amount of Interest Of Rs24000 for @14%(Normal Interest Rate is 7%).When I meet Branch Manager no further dicuss and sayeys this is system calculation i not responsible.You are responsible for this default.But At that time default by the Branch Staff not providing proper information to Account Holder not tell about clearance of account with interest and Principal.

This default comes from 3 years but bank not tell to account holder about this default.In villages and rural area no aware about bank detail.So i requested u that Pls solve this matter and reverse interest.


So take action with Branch staff and give remedy in future no any hardship to the farmers.


Thanks & Regards

Anil Saini
[protected]

hi sir, Subject:- Cash not dispensed in ATM but account debited Details:- On 28/10/2008, i am going for withdraw the Rs. 1000/- from SBI bank ATM at VijayNagar, Marol, Mumbai. When I put my ATM card in ATM Machine and proceed (try)three time's for withdraw of Rs 1000/- the ATM Machine indicate "'SORRY UNABLE TO PROCESS" every time, but after some time i check my balance machine shows only 440/ only. then i withdraw only 400/. Please see the matter and confirm me. Regards, kailash singh, PNB A/c. no. - [protected]

My SB A/C No:- [protected] at Tamlik Branch issued on[protected]. This is a joint A/C with my wife Nirupama Chakrabarti .I, Tushar Kanti Chakrabarti is a sinior cetigen of 65 years. But no Debit Card Issut as yet of my A/C. Local branch reports that it will be supplied as and when head office will supplied. Please issue my Debit card at an early date. Thanking you, Tusharkanti Chakrabarti. My E-Mail- tushar.[protected]@gmail.com c

My name is sahil somani and my account no. Is [protected].last month i have purchase some items from online shopping sites by master card.i don't like those product so i return those item and they refund my money in my bank account on 5 nov. Ref no. CCAAJ1RUN790 of amount rs. 87 and 66 .these amounts are not been credited in my account till this date.i already filed my complain to pnb customer care complaint no. Is 60602249.i want my money.

Mr. santosh kumar kargeti taken a loan of Rs. 100000/- under PMRY Subsidy( Rs. 15000/-) Scheme from PNB- Ramnagar Distt Nainital in[protected] for the period of 5 years. I have settled my loan A/c no. 388000JH00000148 on[protected]. But looking my loan statement, i found that the PMRY subsidy ( Rs. 15000/-)not credited in my above loan account. I asked the bank's officials so many times regarding the above subsidy. But they assured me verbally / letters ( dated[protected] that the matter will be taken up shortly. I am continuously approaching the bank verbally / letter ( letter dated[protected]regarding the subsidy ( Rs. 15000/-), but they are ignoring me again and again. In this matter, we request you to please :- PMRY subsidy could not credited in my account in time so i payed loan interest on 15000/-( i.e subsidy amount). Kindly, i request you to please 1- give my Subsidy i.e Rs. 15000/- 2.- please return my Interest on the above subsidy amount as i paid We request you to please look into the matter as soon as possible. Santosh Kumar Kargeti C/o Shiva Hotal Ranikhet Road, Ramnagar Distt. Nainital Uttarakhand

TO Sh K.R KAMATH Chairman and Managing Director Punjab National Bank, Head Office, 7, Bhikaiji Cama Place, New Delhi-110066 SUB : REQUEST FOR ENQUIRY INTO THE DISPROPRIATE ASSESTS ACQUIRED BY SH.Chandershekar Gautam Manager HRD SECTION, PUNJAB NATIONAL BANK, CIRCLE OFFICE HOSHIARPUR.PUNJAB SIR, Please don’t send my complaints to CVO PNB, HEAD OFFICE NEW DELHI.CVO PNB is doing undue help to these PNB dishonest officers. IT IS BROUGHT TO YOUR KIND NOTICE THAT SH.CHANDERSHEKAR Manager HRD SECTION Circle OFFICE, PUNJAB NATIONAL BANK, Hoshairpur . He HAS ACQUIRED DISPROPRIATE ASSESTS THROUGH CORRUPT MEANS WHILE HE WAS POSTED AS MANAGER And Officer at Branch BO: BASSI DAULT KHAN, G.T ROAD PHAGWARA, CIRCLE OFFICE HOSHAIRPUR. During his entire service he remained posted at his place of residence for about 17 years in Regional/Circle office Hoshairpur. He is the favorite man of senior officers (circle head ) posted at Hoshairpur. HE IS OPERATING FOLLOWING PNB BANK ACCOUNTS WITH ILLEGALLY ACQUIRED MONEY AT PUNJAB NATIONAL BANK JALANDHAR ROAD HOSHIARPUR 1) A/C NO – 020500LH00001273 2) A/C NO – 020500LH0000304 3) A/C NO -020500LI00001173 4) A/C NO – [protected] IN THE NAME OF SH.CHANDER SHEKHAR GAUTAM HRD MANAGER OF CIRCLE OFFICE PNB HOSHAIRPUR. HE HAS ACQUIRED 20 MARLAS PLOT SADHU RAM/ JODHA MAL COLONY BACKSIDE INCOME TAX OFFICE HOSHAIRPUR, PUNAB THROUGH ILLGOTTEN MONEY. HE HAS SPENT ABOUT RS. 50 LAC ON THE MARRIAGE OF HIS DAUGHTER AT GREEN FIELD PLACE CHANDIGARH ROAD, HOSHAIRPUR. THESE THREE INCIDENDTS ARE A TIP OF ICEBERG AND YOU CAN COLLECT MORE EVIDENCE THROUGH YOUR OWN SOURCES INTO HIS MISDEEDS. He remained posted in HRD section which deals in transfers / promotion of officers and staff. He also puts note to senior officers for Personal Appraisal Report of officers. He gets gratification / bribe from the likely to be promoted / transferred officers and staff and share this money with senior officers of PNB Circle office Hoshiarpur.The officers who did not bribe him, he has spoiled the carrier of those officers through manipulation with the help of senior officers of PNB Circle Office Hoshairpur. The officers who give him bribe gives them favorable posting/promotions. It is requested to conduct an impartial enquiry into his disapropriate assets than to his known sources of income . DURING ALL THESE POSTINGS HE WAS GETTING MONEY FROM PUBLIC AND THE BRANCH MANAGERS POSTED UNDER HIM . HE HAS ACQUIRED VAST LANDED PROPERTIES & LIQUID MONEY AT HIS RESIDENCE Hoshairpur, BIRTH PLACE, AND AT SOME OTHER PLACES INCLUDING AT HIS NATIVE VILLAGE. Mr.Gautam remained posted at Circle Office Hoshiarpur for about 17 years doing mischievous and scandalous works with the connivance of senior authorities of the circle office Hoshiarpur Punjab. The enquiry entrusted by CVC, CBI to CVO and other authorities to CMD Punjab national bank New Delhi is down marked to the officers of PNB. These officers generally give protection to their subordinate officers by manipulating the records. Enquiry into the transfers, promotions and loans sanctioned may kindly be enquired into to know the irregularities committed by these officers. It must be brought to notice, how many loans have become NPA and how much financial loss has been done to PNB by these offices. The enquiry into these matters may be entrusted to the officers other than PNB officers. I lodged a complaint against this officer CBI, CVC ( INDIA ), Finance ministry, Govt. of India and President of India, Prime Minister of India ( NEW DELHI ) . Please don’t send my complaints to CVO PNB, HEAD OFFICE NEW DELHI.CVO PNB is doing undue help to these PNB dishonest officers. Thanking you Yours faithfully, (B.R.Mahi) (BALDEV RAJ MAHI) S/o Sh.Ram Asra, Nawanshahar (Pb) Baba Deep Singh Nagar, Saloh Road, Backside K.C.Palace, Nawanshahr (Punjab) Phone No : [protected] DATE : 26/10/2013 u

I request to atm for cash withdrawal of 10, 000 rupees but didn't get money from atm machine and recipt which i get shows transaction declined response code contact bank and when i checked my balance in account it shows 10000 lesser than previous balance in my account means ATM machine did not dispense money but withdrew from my account.

My self Shiv Shankar. My account no. is [protected]. I had applied for net banking on 19 sep. 2013. I received my Login ID and Password on 9th of Oct. but after putting on the information provided by the pnb i haven't got the favourable response.. and after reporting about this to the Pnb office they told me about unnecessarily superfluous formalities, and I don't even aware about those formalities... after being so much troublesome they want me to report back to this site and want me to act according to your response... Atlast Its my humble request to look into this matter and make me know about my ID and Password As soon as possible...

I WANT TO ATM FOR 10000 CASH ON 04/10/2013 BUT MACHINE POWER WAS GOEN AND I NOT GET MY AMOUNT BUT DEBIT FROM MY A/C [protected] IN PNB HANSI BRANCH (HARYANA). THIS PROBLAM I WAS FACE ON 01/02/2013 WITH 10000 AMOUNT WITH SAME ATM TILL NOW I NOT GET MY LAST AMOUNT AND ALSO LOSS 10000 ON YESTERDAY. SO PLEASE HELP AS SOON AS POSSIBLE . MOB. [protected], [protected]

RESPECTED SIR, I beg most respectfully to state that i am vidyashree sinha holding an account in the Punjab National Bank had filled up a form of GATE via internet banking.The first transaction was unsuccessful but the amount was deducted from the account.Kindly look into this matter as soon as possible and debit the amount which was deducted during the unsuccessful transaction. ACCOUNT HOLDER NAME - VIDYASHREE SINHA ACCOUNT NUMBER (PNB) - [protected] DEDUCTED AMOUNT - Rs. 761 only DATE O[censored]NSUCCESSFUL TRANSACTION[protected] CONTACT NUMBER - [protected]

Respected Sir, I am SANDEEP MAHESHWARI Firm: ABHAY GENERAL AGENCIES, BETUL (M.P) A/C NO: C/C [protected], P.N.B BETUL BRANCH Sir I have made a NEFT transaction of 1, 00, 000/- CHEQUE NO. 321900 from my P.N.B c/c A/c to VARDHAMAN SALES AGENCIES, BHOPAL, A/c no.[protected] ICICI bank Bhopal, on 19 sep, 13. Later I found that by mistake I have entered wrong A/c no. i.e[protected] due to which the TRANSACTION AMOUNT is been wrongly credited to CARGO PVT. LTD. But the account holder name and other informations was correctly entered i.e VARDHAMAN SALES AGENCIES, BHOPAL (in cheque as well as in the Form). my TRANSACTION UTR NO. : PUNBH[protected] and NEFT SD No. :[protected] So, Please take necessary action and revert the amount as soon as possible to my A/C or else CR. that amount to VARDHAMAN SALES AGENCIES, BHOPAL, A/c No.[protected] ICICI bank, Bhopal. THANKYOU WITH ANCICIPATION. YOURS SINCERELY SANDEEP MAHESHWARI

I had gone to withdraw the money in PNB's ATM at Kathara Bazar Jwalapur, Haridwar Uttarakhand on Sunday (15-Sep-2013). I requested for 15,000 Rs. but ATM did not give me money, after that when I went to another ATM of PNB Bank then 15,000 Rs. had been withdrawn from my account. I complained to toll free no. they gave me 7 working days time to resolve my problem, My complaint no. is 60344950. But Today[protected] I called them again to confirm my complaint procedure then they replied that the money is not refundable because that transaction was successful at their end. So I have lost 15,000 Rs from my account. Therefore I want to launch a complain in consumer court to get back the 15,000 Rs into my account. Please reply asap with any solution. Thanks & Regards Vakul Saini Mb: [protected] email: vakul.[protected]@yahoo.in

B.R. Mahi (PF 52135), Nawan Shahar Ex Manager, Distt. Shaheed Bhagat Singh Nagar B.O. Nawanshahar Dt. 18.09.2013 Baba Deep Singh Nagar, Saloh Road, Backside K.C. Palace, C MANAGERNawan Shahar, MOST AND urgent Distt. Shaheed Bhagat Singh Nagar, Punjab. Sh P.L. PUNIA Chairman National Commission for Scheduled Caste , Govt. of India Lok Nayak Bhawan ,Khan Market New Delhi -110003 Respected...

CASE OF DISCRIMINATION ON THE BASIS OF CASTE AND INJUSTICE . To 16SEPT 2013 Sh P.L. PUNIA Chairman National Commission for Scheduled Caste , Govt. of India Lok Nayak Bhawan ,Khan Market ,New Delhi -110003 Sir, Subject – DISCRIMINATION SH.BALDEV RAJ MAHI MANAGER, PNB ,LDM OFFICE HOSHIARPUR ( PUNJAB). KINDLY REFER TO YOUR LETTER NO B-14/BANK-24/2012/SSW-II DATED ON 15.06.2012 RECEIVED FROM MYSELF . YOU HAVE FORWARDED MY REPRESENTATION TO THE CHAIRMAN AND MANAGING DIRECTOR , PUNJAB NATIONAL BANK , 7-BHIKAJI CAMA PALACE,AFRICA AVENUE,NEW DELHI VIDE YOUR LETTER NO B-14/BANK-24/2012/SSW-II DATED ON 15.06.2012. PLEASE INFORM ME THE STATUS OF THIS PETITION , IF PENDING YOU ARE ALSO REQUESTED TO GIVE THE REMINDER TO THE CONCERNED AUTHORITIES. ALSO REQUSRED TO YOUR GOODSELF FOR SUMMINING THE CMD SH. K.R KAMATH PNB NEWDELHI FOR HEARING THE CASE URGENTLY. Thanking you Yours faithfully, (B.R.Mahi) (BALDEV RAJ MAHI) S/o Sh.Ram Asra, Nawanshahar (Pb) Baba Deep Singh Nagar, Saloh Road, Backside K.C.Palace, Nawanshahr (Punjab) Phone No – [protected] ( M ) Email id – [protected]@gmail.com

Please provide as mB.R. Mahi (PF 52135), Backside K.C. Palace, Saloh Road Nawanshahar, Distt. Shaheed Bhagat Singh Nagar, Punjab. Sh Raj Kumar Verka, Vice Chairman Chairman National Commission for Scheduled Caste , Govt. of India Lok Nayak Bhawan ,Khan Market New Delhi -110003 Respected Sir, Sub: - Sh.B.R.Mahi (PF52135), Ex-Manager, LBO Hoshiarpur Previous at B.O. Usmanpur. Charge sheet dated 05/10/2009. REVISION PETITION TO CMD PNB NEWDELHI It is submitted that I was compulsory retired from PNB LBO Hoshiarpur vide. Disciplinary authority order dated 6.7.2011 and confirmed by the appellate authority. My review application was rejected by The ED vide has order date 18/10/2012. I want to bring it into your kind notice that these order are issued on following flimsy grounds only to endorse the views of disciplinary and appellate Authority. It is not based on independent judgment based on independent views. The view expressed in inquiry reports are not based on facts and figures. Enquiry report is made on the verbal instruction of the senior officers who are prejudiced against me because of some personal grudges against me. The charge sheet issued to me was very lengthy and records pertaining to the charge sheet were not issued to me to make my defense / reply to charge sheet intentionally. The charge sheet was so exhaustive that with a single day visit to the branch, the whole record could not be inspected and noted to file the written reply of charge sheet. Documents must be provided to me to give the proper reply to the charge sheet in defence. I visited the branch on 23/10/2009 and requested for supplying attested copies of the certain documents for reply of charge sheet. I have not been given ample opportunity intentionally to give the reply of charge sheet on the verbal instructions of higher authorities. A) MOST URGENT: - “THAT INSPITE OF SEVERAL NOTICES AND WRITTEN REQUESTS PROPERLY ACKNOWLEDGEMENT BY THE BANK, THE BANK HAS NOT PROVIDED ME DOCUMENTS AND THE LIST OF PROSECUTION WITNESS ON WHICH THE CHARGE SHEET WAS BASED. THEREFORE PROCEEDINGS CONTINOUED WITHOUT PROVIDING THE DOCUMENTS ARE NULL AND VOID.” B) That the order of penalty has been passed by the incompetent authority. 1) It is submitted that in terms of PAD Circular No. 16 dated 10.1.2011, the Head Office has scheduled and designated the Disciplinary Authority as well as Appellate Authority w.e.f. 10.1.2011, according to which, the Asstt. General Manager in the Circle Office has been designated as Disciplinary Authority and in case, the Asstt. General Manager is not posted then the Deputy General Manager would be the Disciplinary Authority. In the present case, the Asstt. General Manager Mr. K.V. Anand was posted in the Circle Office and he was designated as Disciplinary Authority. But in my case, the Deputy General Manger Sh. S.S.ARORA has passed the final orders dated 6.7.2011 in violation of PAD Circular No. 16 dated 10.1.2011. It is a settled law that when the order has been passed by the incompetent authority then, the same is vitiated being illegal and not liable to be sustained. The reviewing authority is requested to kindly look into this aspect and to quash and set-aside the impugned orders dated 6.7.2011 of the Disciplinary Authority. 2) I want to Quote a glaring example of victamisation that I was on leave from 14-92007 to[protected] to visit Abroad and during this period Sh.M.L.AHUJA was officiating as Manager and he obtained loan application on[protected] and sanctioned on[protected] and also disbursed the loan of[protected] to the borrower. The mistakes committed by Sh.M.L.AHUJA by granting loan to his nephew The onus of these mistakes has been put on me even as I was not in India. Copy of passport attached which clearly depicts that I was not in India in these days. How can I rectify the mistakes committed by Sh.M.L.AHUJA on returning from abroad? 3) That with regard to charge no 4 Account No.KCC 86 – 12162 Balbir Singh for Rs.5 lacs dated[protected]. Allegation – The limit was sanctioned on[protected] for 5 lacs. At the request of the party and as per office note, the limit was reduced from Rs.4 lac to Rs.2 lacs w.e.f[protected] but the limit was not reduced in system and party is allowed to avail the limit up to the level of Rs.4.lac. The balance outstanding in the account in Rs.3.92 lac as on[protected]. Findings of the Inquiry Officer/Disciplinary Authority.The Inquiry Officer has proved the charge and the Disciplinary Authority , Reviewing Authority and appellate authority have endorsed the same. I had submitted in my appeal that neither this loan was sanctioned by me nor it was renewed by me nor I was posted at B.O. Usmanpur on 17.5.2005 and thus, the allegation was not remotely attributable to me. It may be seen that on 17.5.2005, I was posted in a different branch i.e. Rahon. But, the Appellate Authority has not appropriated this evidence and without making any comment on my this submission, the appeal was rejected. Thus, the order of Appellate Authority is non-speaking, arbitrary and perverse. Since, the aforesaid issues have not been discussed by the Appellate Authority in his order, therefore, the order is non-speaking, arbitrary and perverse.In support of my aforesaid contentions, I refer the following landmark judgements thereby showing emphasis in my contention in a legal and valid form to which the reviewing authority is requested to consider the same sympathetically. 4) The Disciplinary Authority (DA) recommended stop page 5 Increments at the very first instance to the CVO , PNB Head Office New Delhi but CVO declined to endorse. At the second instances Disciplinary Authority recommended stop page of 7 Increments again CVO didn’t concur and sent back the case to Disciplinary Authority . Disciplinary Authority again at the third instances recommended stop page of 7 Increments but CVO again declined and adamant. At the fourth instances on the instruction/pressure of CVO Disciplinary Authority recommended The Compulsory Retirement to CVO and the CVO concurred. It is quite clear from the above proceedings that the Disciplinary Authority decision was based on the pressure adopted by CVO. The CVO concurred on 25/6/2011 and he was retired on[protected] before 5 days his retirement. It is submitted that CVO disposed of this file at page end of his retirement only clear the Backlog his files, by not applying his mind in an impartial and by giving proper thought to the career of an officer. He with the just stroke of pen spoiled unblemished career of 27 long years. 5) The unproved charges by inquiry officers are also taken as proved to enhance gravity of charge ti mislead the higher authorities to give unjustified punishment to me by Disciplinary Authority. 6) No Reputation loss is suffered by the bank and no financial loss had been incurred by bank only to give justify the punishment of The Compulsory Retirement awarded by Disciplinary Authority and appellate authority, this is being stated. 7) Where as many officers of PNB with whose conduct bank has suffered a lot of financial loss but has not been compulsory retired and has been continue to work and promoted by the Bank. I want to quote many instances with reference to my above submission that i) Sh.Arora Senior Manager, PNB Nawashahr Doaba ( Main branch), was charge sheeted and again allowed to continue work and promoted. ii) Sh.Madaan officer of PNB Nawashahr Doaba (Main Branch), ), was charge sheeted and again allowed to continue work and promoted. iii) Sh.Gajjan Ram Manager PNB Phillaur, was charge sheeted in DD cases and again allowed to continue work and promoted. iv) The Senior Manager PNB Phillaur, was charge sheeted and again allowed to continue work and promoted. v) Sh.Bakshish Singh Bagla Manager PNB, Binjoo (Hoshiarpur) was charge sheeted in fraud case and bank has suffered financial loss but despite this he was again allowed to continue work and promoted. vi) Sh.Dev Raj Deputy Manager PNB, Binjoo (Hoshiarpur) was charge sheeted in fraud case and bank has suffered financial loss but despite this he was again allowed to continue work and promoted. vii) Sh.Charanjit Chopra Manager PNB Mehatpur Uladani viii) ( Nawashahr) was charge sheeted in fraud case and bank has suffered financial loss but despite this he was again allowed to continue work and promoted. ix) Sh.Harpal Singh Deputy Manager PNB Mehatpur Uladani (Nawashahr) was charge sheeted in fraud case and bank has suffered financial loss but despite this he was again allowed to continue work and promoted. All These Instances are quoted to bring it into your kind notice that despite Disciplinary Authority(DA) recommended lesser punishment to me due to undue pressure tactics adopted by outgoing Retired CVO Sh.K.Bhaskar from PNB. My punishment was enhanced by Disciplinary authority (DA). I Quoted many high courts & supreme courts New Delhi judgements at the time of inquiry, appeal, Review in my defence but were not taken into consideration. 1) It is submitted that when I took over the charge as branch Manager at Usmanpur, the performance of the Branch was at its lowest deposit of figure of Rs. One Crore Thirty Lakh and Credit was at One Crore Fifty Six Lakh. I did my work honestly and diligently and took the performance of the Branch to its new high ( i.e. deposits of Rs. Ten Crore Seventy Five Lakh and Credit of Rs. Nine Crore Eighty Lakh) 2) During business review meeting DGM Circle Head Office Hoshiarpur has declared that I would transfer the officers by keeping performance of the branch in mind and those who are good performers will be given branch of their own choice and suitability. But my transfer has been done ignoring my hard work and performance only due to being a Scheduled Caste Manager and Discriminated against me. 3) My work at Usmanpur branch stood first in the Distt. And 5th number in circle. In my branch each and every activity was done as per bank norms and nothing has been done fraudulently. 4) Only due to misreporting by Sh,Jaswinder Saini LDM on the directions of Sh.M.S.Nijjar AGM. Both those officers are ill treating me due to their past personal grudge. Both these officers have shown and presented a bad performance o[censored]smanpur Branch intentionally. 5) Both these officers as explained in previous paragraphs intentionally and deliberately harass me on flimsy grounds and tarnish my image in the eyes of my superiors. 6) It is submitted that I Sh. Baldev Raj Mahi Ex- Manager , PNB Usmanpur , Distt Nawashahr , Punjab belongs to Schedule Caste category. On the basis of my caste, the then AGM, Circle Office Hoshiarpur Sh M.S.Nijjar Discriminated, harassed and in a revenge full manner acted against me only to tarnish my image in the eyes of my superiors. Sh.M.S.Nijjar has some personal grudge against me because he over stepped his powers when he transferred me from Banga branch while working as S.R.M Jalandhar . Then Zonal Manager Amritsar took the notice of the transfer and ordered to keep this transfer in Abeyance and also called the explanation of Mr.N.S.Nijjar. Since he is working against me and trying to tarnish my image as well as trying to entangle me in one way or the other way. Only from this point he started acting in a whimsical manner against me. 7) I and my wife are ill despite my illness. I have been intentionally transferred to Hoshiarpur during the period of March closing and inspection period, so that I cannot remove irregularities during inspection. 8) I was not allowed to sit in the computer examination and not called me for interview and training which is compulsory for Schedule Caste category. When I was eligible both channel 1 and 2 9) Since April 2009 August 2009 my salary was not been released. My overdraft account has been freezed. Due to this I was unable to get proper treatment to myself and my family members. I was even unable to pay school fees of my children. My wife died due to non availability of funds. 10) . Casteist remarks were made against me by Sh.M.S.Nijjar AGM Circle office Hoshiarpur. 11) After some time Dr. B. L.Pathija proceeded on leave. M.R.Nijjar who was officiating as circle head ordered special inspection of BO Usmanpur . It was given to Sh. Jaswinder Saini , Manager, LDM Hoshairpur. 12) Sh.Jaswinder Saini was having already a grudge against me because when i was working as incumbent incharge at Behloor Kalan , Loan sanctioning power was vested in me and Sh , Jaswinder Saini was working as a recommending and processing authority . I received many complaints from borrowers that he was getting illegal graft from the borrowers of Agriculture Loan. I have pointed out this matter to Sh. Jaswinder Saini . That’s why he was malicious towards me. Branch inspection was going on and during the inspection I was relieved to join at PNB LDM Office Hoshiarpur . I was not given the opportunity to remove the small irregularities and verbal instructions were issued to the Inspector to make me scape goat .Even small mistakes which could be easily rectified , are presented to the management in such a way that it looks as Major Irregularities , If i was not relieved during Inspection these small mistakes / errors could be rectified . 13) Sh .G.L.Sharma investigated the Branch for sanction of Education Loan . He had not asked for my comments in the above investigation and submitted his false and fabricated report , without any evidence , baseless report on the verbal instructions of Sh.M.S.Nijjar . I have not been issued any tabular Performa as per Bank guidelines, no explanation was called and a direct charge sheet was served upon me on 5 / 10 / 2009 . I asked for relevant documents to submit my defence against the charge sheet . It was not provided to me . I am afraid to say how without relevant documents it is possible for me to make my defence . The charge sheet was prepared by Sh. Chander Shekhar Gautam , Sh . S.K.Sharma, Sh. Bajaj chief manager and other concerned officials who all were from General Category . They all followed the verbal instructions of Sh.M.S.Nijjar , Sh. Jaswinder Saini , Sh. G.L.Sharma , Sh. Chander Shekhar Gautam , Sh.S.K.Sharma , Sh. Bajaj who all discriminated against me on the basis of caste as i belong to Scheduled Caste . I have filed a case against Sh.M.S.Nijjar for calling me names on the basis of my caste which is still pending in the civil court Nawashahr Doaba ( Punjab ) . 14) Both of these officers worked against my interests to serve their own vested interest . Both of them did not grant me fair and ample opportunity to cross examine the witness and was not allowed me to exhibit my defence documents . The whole enquiry was conducted on the verbal instructions of D.A. Sh.S.S.Arora ( DGM) to make me scape goat . 15) The whole enquiry was not fair and impartial . P.O. Sh. Jai Ram submitted his briefs wrongly without any evidence and on baseless documents on the verbal order of the D.A. Sh. S.S. Arora (DGM). 16) I submitted my reply on P.O. briefs .E.O. Sh.Jagdish lal did not consider my reply as genuine and submitted his report on the verbal order of the D.A.Sh . S.S.Arora (DGM). 17) Even the charges which were not proved in the enquiry proceedings were proved against me baselessly without any documentary evidence only to tarnish my image in the eyes of superior authority and to make me scape goat . The whole case is absolutely based on discrimination against me on the basis of caste and arbitrary use of authoritative powers to do injustice against me . The whole general category officers acted against me only to spoil my career 18) All loan A/cs has been fully secured with collateral security and there is no apprehension of loss to the Bank. These facts has been wrongly communicated to yourgoodself by the officers who belongs to general category who all discriminated me on the basis of caste as I belong to scheduled caste 19) That I always received meritorious and appreciation letters for my working as Incumbent Incharge. 20) That my track record has been unblemished. 21) That I had already put clean and clear service of 27 years in the bank and thus, it was necessary to see my track record of 27 years period. 22) That my wife has since been expired after prolonged expensive illness. 23) That I have no son to take care of my family affairs. 24) That I always received meritorious and appreciation letters for my That I have three daughters for their education and marriage. 25) That I am suffering from the disease of Flaria which is uncureable. 26) That I have no other source of income. 27) That I do not have any past savings or funds in any shape or form or even I am not in a position to continue my family members with food, clothing, education, medical care and to discharge all other social and substantial and subsistent requirements for survival and to live with honour and dignity in the society. 28) All sympathies as human being are required. 29) That I was not the only person in the branch whereas all other officials have been exonerated for the same course of lapses and only I have been discriminated in the matter. 30) Than an opportunity of personal hearing may kindly be accorded under the principles of natural justice, even if the same is not provided under any of the Regulations, so that I may be heard properly, patiently and sympathetically. 31) That a lenient view may kindly be taken in the matter because at this age of about 50 years, I am unable to get employment anywhere whereas my wife has already expired, I have three daughters who are school and college going requiring financial assistance for their education and marriage whereas I am already suffering from Flaria in my leg which is un-cureble in the medical science. I have no other source of income whatsoever it may be and at the same time, I do not have any deposits or saved earnings in the past because lot of expenditure was incurred on the treatment of my wife etc Other extenuating grounds 1. That I had a clean, unblemished track record of 27 years in the bank services which may kindly be considered. 2. That I am virtually a handicapped person, since I am suffering from incurable chronic disease of lymphatic filariasis, elephantiasis due to which my leg has become like a pillar due to which I cannot move to undertake day to day assignments etc. This disease spreads with the bite of a mosquito which is incurable in the world. It is like cancer. 3. That my wife had died on 19.8.2010 and I have three daughters in the age group of 23 years, 16 years and 14 years and I do not have sufficient means for their education and marriage. My father is also aged about 80 years and he is also dependant upon me. My all of three daughters are getting education and thus, they are unmarried. I have no other means to arrange for their marriage in a proper house with proper relationship under these circumstances. 4. That my Disciplinary Authority has been adamant to show these cases of fraud, whereas, there was not fraud or merit. 5. That the order of punishment as well as order of the Appellate Authority have been illegal wherein, copy of second stage advise of CVO was not provided to me, second show cause notice was not served upon me after disagreeing with the findings of the Inquiry Officer etc. 6. That the said penalty was enforced by the CVO whereas, the Disciplinary Authority had earlier proposed lesser punishment and thus, it is not the penalty imposed by the Disciplinary Authority, but the penalty as proposed by the CVO. 7. That my date of birth is 24.4.1961 and thus, I am only 51 years of age and at this juncture I am unable to work in any other vocation or place whereas, I have to educate and marry my three unmarried young daughters. 8. Prayer 1. That my this Application may kindly be considered sympathetically and favorably. 2. That the impugned orders of the Disciplinary Authority as well as of the Appellate Authority may kindly be quashed and set-aside. 3. That an opportunity of personal hearing may kindly be accorded under the principle of natural justice. 4 REVISION PETION TO CMD SH. K.R KAMATH FOR CHANGE THE HIGHER SIDE PUNISHMENT. Submitted for favorable consideration. Yours faithfully, B.R. Mahi (PF 52135), Backside K.C. Palace, Saloh Road Nawanshahar, Distt. Shaheed Bhagat Singh Nagar, Punjab. [protected](M) Date- 31AUG.. 2013 Encl.: 1. Annexure-A 2. Proof of visiting England during the period of 14.9.2007 to 29.10.2007. 3. Proof of disease. uch information as possible...