( 1 ) PETITIONER was working as an Officer in junior Management Grade Scale I in the respondent Syndicate Bank. While he was working in that capacity in the Bellary Branch of the respondent Bank, he was served with a charge memo dated March 14, 1991. The charges relate to some of the omissions and commissions said to have been committed by the petitioner while he was working at kuniamuthur and Tirupur Branch. There are six charges against the petitioner. The charge memo was replied by the petitioner by his reply letter dated May 18,1991. In that, he has totally denied the assertions and the allegations made in the charge memo. The disciplinary authority not being satisfied with the explanation offered by the petitioner, had appointed an enquiry officer to enquire into the allegations made in the charge memo by his order dated August 20, 1991. Before the enquiry officer, the management had examined the Investigating officer, who had conducted a preliminary investigation, and had submitted a preliminary enquiry report to the management of the respondent Bank, which is the foundation for preparing and serving the charge memo on the petitioner. Through him, they had als