Petitioner is now working at Kathiar office of the Bank as an officer. While working as a clerk in the Divisional Office, Cochin, the Chief Manager who is also the disciplinary authority, served on him a charge memo containing the following (vide Ext. P3):

1) for having allegedly received Rs. 100/- from one Mr. Balakrishna Bhat for purchase of shares of a Company but not remitted to the Bank for the said purpose.

ii) for having issued a cheque bearing No. 937996 dt. 25-8-82 for Rs. 2.500/- in his overdraft account and another cheque hearing No. 488309 dt.18-10-82 for Rs.75,000/- drawn on the same overdraft account without required drawing power and hence returned unpaid and a withdrawal for Rs. 15,000/- in his HSS account without maintaining sufficient balance and hence returned unpaid.

iii) for having not utilised the second instalment of housing loan sanctioned to him on 24-10-1981 even after a period often months from the said availment.

iv) for having availed an advance of Rs. 1,500 against leave fare concession for a proposed tour in October, 1982, on the strength of his own declaration but submitted a final bill only for Rs.30.30 ps. (Rs. Thirty and paise thirty only