JUDGMENT :

1. Heard Mr. S. Nath, learned counsel for the petitioner. Also heard Mr. A. Ganguly, learned counsel for the respondent, Punjab National Bank.

2. The petitioner who was serving as a Junior Management Grade Scale I, was served with a charge sheet dated 30.5.2012, inter alia, alleging that while conducting his duties, the petitioner had not followed the prescribed guidelines and have also acted in a manner which has caused a financial loss to the Bank as well as there is a loss of faith on the petitioner.

3. The charges were that the petitioner did not discharge his duties with utmost integrity, honesty, devotion and diligence and also committed misconduct. Article 1 of the charges alleges that the petitioner had fraudulently debited the suspense account against pension. Allegations were also made that the petitioner had submitted a scroll amount which was in excess of the actual amount of pension that were paid to the pensioner and that the petitioner had unauthorisedly debited various accounts of the customers and had withdrawn amounts for his personal gain. A further charge was that the accounts were not properly maintained and there were clear indications that the petitio