K. Sukumaran, J.

1. The petitioner was an employee of the State Bank of Travancore. He climbed up the official ladder and came to the rung of Manager, A Grade Officer. On 10-12-1980, the 1st respondent Bank issued Ext.P2 memo intimating the petitioner about the disciplinary action proposed by it. The articles of charge and statement of imputations of misconduct were communicated to him, and he was asked to put forward his defence. The explanation dated 31-1-1981 submitted by the petitioner did not appear to be satisfactory to the Management. It therefore decided upon an enquiry against the petitioner. That decision was communicated to the petitioner under Ext.P3 dated 28-9-1981. The petitioner appears to have written a letter on 15-10-1981, apparently in relation to his retirement from service. The letter has not been produced in the original petition and its contents not even indicated in the statement of facts. The reply of the 1st respondent to that letter is Ext.P1 dated 27-11-1981. Para.2 and 3 of the letter which are relevant for the consideration of the contentions raised in the original petition, read:

"2. It has been decided in terms of Regulation.19(1) of the State