Punjab National Bank [PNB] Complaints & Reviews

Sir,
I am CA a/c holder no [protected] in the name of Shiva Hardware, Faridabad. I had used the ATM at sector 16, HUDA market for the withdrawl of Rs. 5000/-on dated 3.5.12, at about 5:30 PM. The machine did not dispensed the amount and the same was immediately debited to our account.
I had registered a complaint on toll free no. [protected] on the same date at 7:08 PM with Complaint No 57717556.Till now we are not given the credit and failure at this part could be very harmful as one goes to the ATM only at the eleventh hour of the necessity and some how the balance or the amount desired is not disbursed at the required moment then where should the sufferer go?
The urgent requirement of the money in the emergency case can never be met and the discrepancy could be very fatal in some cases.
Therefore pl rectify the error and give the immediate credit.
Thanks and regards,

Vinil Kapoor
Shiva Hardware A/c. No. [protected]

MANAGER PNB PENSION BRANCH GURDUWARA RD KAROLBAGH N DELHI 5

SIR I RECD A LETTER FROM CENTRAL PENSION ACCOUNTING OFFICE BIKAJI CAMA PLACE LETTER NO[protected]/985871/A1 DT 20/42012 REGARDING RETIREMENT GRATUITY PAYABLE OF RS 32719/- HAS NOT BEEN CREDITED IN MY ACCOUNT NO [protected] IN JORBAGH BRANCH BUT THEY SHOWED THEIR INABILITY TO CREDIT SINCE THEY HAVE NOT RECD. ANY INFORMATION FROM UR SIDE AAA ALDO DIARY NO PR21237069 MAY BE REFFERED AAA REPLY MAY BE SENT TO MY MAIL [protected]@YAHOO.COM MOB NO [protected]/[protected]/[protected] PERMINENT ADDRESS ASHOK KUMAR JAN S/O LATE SH JAGANNATH JAN FALT NO 611 PLOT NO GH10 SHREE KRISHNA APARTMENT SECTOR 6 VASUNDRA GAZIABAD U.P

Re: reaspected sh .k.r.kamath ji cmd pnb new delhi, sir, it is requsted that most currupted officers have been working in your chairmanship mr .G.S DUBER GENERAL Manager and sh .s.s,arora general manager, sh .N.K nirwawal dgm amd sh. ms nijjar agm circle office hoshiarpur punjab. you are requestedt to enquireinto thedisproportionate assets acquired by sh.G.S DUBEY ,SH S.S ARORA BOTH GM, SH. N.K .NIRWANWAL DGM, AND ALSO SH. M.S NIJJAR PREVIOU AGM CIRCLE OFFICE HOSHIARPUR PUNJAB HAVE ACQUIRED DISPROPORTIONATE ASSETS THROUGH BCURRUPT MEANS WHILETHEY WERE POSTED AS VERIOU POSTS AND RANKS IN VARIOU PLACES DURING ALL THEIR POSTINGS THEY WERE GETTING MONEY FROM PUBLIC AND THE BRANCE MANAGERS AND OTHER OFFICIALS POSTED UNDER THEM. THEY HAVE VESTED LAND PROPERTIES OR LIQUID MONEY AT THEIOR RESIDENCE AND THEIR POSTING PLACES AND SOME OTHER PLACES INCULDINGS AT THEIR NATIVE VILLAGES AND CITIES. YOU ARE REQUSTED FOR ENQURIESIN TO THE PROPERTIES OF CONCERNED OFFICERS OTHERVISE I WILL REPORT THE FINACE MINISTRY OR CBI FOR INVESTIGATION FOR ILL LEGAL MONEY OR CONCERNED ASSETS.

CASE OF DISCRIMINATION ON THE BASIS OF CASTE AND INJUSTICE .

Baldev Raj Mahi, S/o Sh.Ram Asra,
Nawanshahar (Pb)
Ex-Manager,
Dated:[protected]
Baba Deep Singh Nagar,
Saloh Road,
Backside K.C.Palace, Nawanshahr (Punjab)
Distt.Sahid Bhagat Singh Nagar


Sh P.L. PUNIA
Chairman National Commission for Scheduled Caste, Govt. of India
Lok Nayak Bhawan, Khan Market
New Delhi -110003

Regarding : Ill-legal Change Sheet Dated 05/10/2009 served upon Sh.B.R.Mahi ( Manager) PUNJAB NATIONAL BANK LDM OFFICE HOSHIARPUR (PUNJAB) . A case of discrimination on the basis of schedule caste
Sir,
Vide your order dated 10/12/2011 my appeal against major penalty of compulsory retirement imposed upon me by the Disciplinary Authority of General Category i.e DGM,
Circle office, Hoshiarpur has been rejected by yourgoodself . I want to submit following facts for your kind perusal and reconsideration in the above matter please .
1) I am shocked to see this decision without any base and going into merits of the case . i was hoping that you will decide the case after going through the facts of the case . You did not care to go into the details of the case and my appeal dated 14/9/11 fully. I asked for the documents from the Bank to defend myself but these documents were not supplied to me before the Enquiry.
2) Appeal means that you should have gone through the whole case and give your independent decision, but the decision taken by you is fully based on the facts presented by lower authority against whose decision appeal has been made, who all were belonging from general category and who all discriminated against me on the basis caste as I belong to scheduled caste.
3) Lower authority presented the whole case in a biased manner and presented the case in a wrong manner. The wrong facts presented by lower authority have become the basis of your wrong & illegal decision whereas you should have studied the whole case in an impartial manner to give justice.
4) Most of the charges which were proved against me while I was away to a foreign country. My leave was duly sanctioned by competent authority which is on record. This fact has been concealed by lower authorities from your good self. Copy of Passport is enclosed herewith for your kind perusal which clearly shows that during this period I was away from India.
5) On 17/5/2005 I was posted in BO Rahon and charges relating to this period have been proved against me, how this is possible to prove charges against me and not against the manager working in BO, Usmanpur my predecessor.
6) 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.
Extenuating grounds
7) That as per relevant facts of the case, the FDR was to be prepared by debit to SF account on[protected] for which, vouchers were prepared and the same were dealt with by the CTO and Sh.Harpal Singh, 2nd man in the branch. They both have signed the vouchers in token of having effected the transactions in the books of the bank and also signed the issued FDRs but inadvertently the SF account of the party was not debited by making the entry in the system. It was presumed by the party and by all o[censored]s that this SF account has been debited whereas it was not debited. But the fact remains that a sum of Rs.5.12, 000/- always remained in SF account in credit of the party which is evident from the Exbt M20 (b) thereby showing the credit balance of Rs.5, 12, 000/- on[protected] and thereafter on 16-08-09 Rs.5, 16, 000/-. It is also added that in terms of Exbt D6 which is a letter of the branch dated[protected], it has also been confirmed by the branch that as on[protected], the outstanding amount in the SF account remained Rs.5.50 lac. That the bank has never remained short of funds because in the SF account more than Rs.5.10 lac always remained and later on, OD a/c was also adjusted by debit to the SF account. Bank has not suffered any financial loss and the error has been inadvertent . The FDR was prepared in the hand Shri Dalwinder Singh, CTO, it was signed firstly by Sh. Harpal Singh, Dy.Manager and there after he has also not gained anything as Rs.5.50 lac remained in credit at a lower rate of interest 4%. Sh. Dalwinder Singh has been charge sheeted on other grounds but not in connection with this error .
8) Loan was sarctioned – For purchase of Plot and not for repair and renovation of house. Moreover the loan A/c has been closed
9) In Car loan A/cs Joint Rc’s was in the record file now both these accounts has been closed.
Case of the defence
10) That the charge has been proved without any evidence, without any document relating to domicile, without an examination of any witness thereby confirming the respective distance relating to the villages Barnala Kalan and Nawanshahr and thus, it has been a case of no evidence.
11) That the allegation has been proved on the basis of dead evidence vide Exbt M131 (a-g) which is nothing but a circular wherein it is not provided that the villages in question were situated at a distance of 15 Kms from BO Usmanpur.
12) That the gravity of the charge has not been significant because the loan account of Taranjit Pabla has since been closed on 28-10-09 from the FDRs and SF proceeds which have been under bank’s lien and that too within a period of less than two years. In this case, the date of sanction is 10-06-07 and the account was closed on[protected] for which, FDRs and outstanding amount in SF account to the tune of Rs.7.40 lac have been under bank’s lien against sanction of loan Rs.7 lac.
13) That in the case of Suresh Madaan and Vishal Madaan, the loan was sanctioned and disbursed by Sh.M.L.Ahuja on[protected] when I was on leave w.e.f.[protected] to[protected] and was in Abroad vide Exbt D48.
14) That gravity of the charge is not cognizable under any of the circumstances and it does not warrant a harsh punishment of my compulsory retirement from the bank’s services when I have been in the age group of 49 years only with remaining service of more than 10 years period.
15) The decisions of various High Court / Supreme court have not been relied upon while giving your judgements.
16) When ever any error /mistake has been committed by some one, the punishment imposed must be according to the gravity of the offence . You while giving your decision has totally relied upon the facts presented by lower authority who all belong to general category and you are also belonging to general category and not going carefully into the minute details of the case and spoiled the whole career of someone.
17) That I always received meritorious and appreciation letters for my working as Incumbent Incharge.
18) That my track record has been unblemished.
19) 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.
20) That there is no fraud in any of the cases except at the most may be foolish bonafide inadvertent procedural lapse, if any.
21) That my wife has since been expired after prolonged expensive illness.
22) That I have no son to take care of my family affairs.
23) That I always received meritorious and appreciation letters for my That I have three daughters for their education and marriage.
24) That I am suffering from the disease of Flaria which is uncureable.
25) That I have no other source of income.
26) 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.
27) All sympathies as human being are required.
28) 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.
29) Prayer
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.,
32) That the order of ‘compulsory retirement’ is extremely disproportionate, unreasoned, harsh, shocking to the conscious of a reasonable man keeping in view that I have not been a beneficiary, there is no fraud case and the bank has not suffered any financial loss . Thus, the punishment is liable to be modified as reduced.
33) You are requested to study the whole appeal of myself numbering into 100 pages yourself and take some personal pain / interest to amend your wrong and illegal decision and not to spoil the career of someone casually
34) I will file the review petition separately after knowing from yourgoodself about the reconsideration of your decision .
Thanking you,
Yours faithfully,
(B.R.Mahi)
(BALDEV RAJ MAHI) S/O RAM ASRA, SALOH ROAD, BABA DEEP SINGH NAGAR, NAWASHAHR DOABA, SBS NAGAR (PUNJAB)
PF NO . 52135
MANAGER PNB, LDM OFFICE HOSHIARPUR ( PUNJAB)
Phone no : [protected]
Email id : [protected]@yahoo.com
 

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I had availed loan from HDFC and wanted to cancel it after that. Meanwhile a friend of mine(HDFC employee) said that would use the money and pay EMI on my behalf and balance amount after one year as he was getting his father's PF and gratuty amount. It did not last longer than 5 months. Later i realised that he had frauded me.I narrrated everything to the bank and that guy was terminated from bank. Now the bank is holding me defaulter.
Is there any relief?