1. The petitioner was employed as Assistant Manager in Syndicate Bank. He was issued a charge sheet dated 16.08.2006. The charge leveled reads as follows:

“That you have been working as Asst. Manager at Goa, Curchorem branch since 2.5.2000 until you were placed under suspension vide proceedings/order dated 15.10.2005. While working in your position as such you abused your official position and put through various fraudulent transactions and misappropriated bank’s funds to the tune of Rs.69.06 lakh by creating fictitious Loans on Deposits and closing such loans by raising debits to Interest on Deposit account; making fictitious debit entries to interest on Deposit account and crediting to SB accounts of customers closely known to you: raising debits directly to SB General Ledger without making debit entries in any SB account: passing withdrawal slips/cheques in SB accounts of customers closely known to you without debiting the instruments to the respective accounts etc. You also committed various other irregularities”.

2. The petitioner submitted a reply. On one hand, he denied the charge and on the other hand, he stated that he ha reimbursed the amount. Not satisfied, M