JUDGMENT :

1. The petitioner by way of this writ petition assails the order dated 23.08.1999 passed by the Disciplinary Authority and the order dated 13.04.2000 passed by the Appellate Authority and the enquiry proceedings initiated against him. By the aforesaid order of punishment he has been punished with removal from service and also directed to repay amount of Rs.5,19,000/- to the Bank. The petitioner was working as a Branch Manager with the Hadoti Kshetriya Gramin Bank. An FIR was lodged by the Management wherein charges were levelled with the petitioner on having embezzled amount of the Bank and withdrawing amount from the account holders and utilizing the same treating as a loan. He was suspended vide order dated 14.06.1996 and with regard to the same charges, the petitioner was served with a charge sheet vide memorandum dated 31.08.1996 alleging financial irregularities committed by him resulting embezzlement and having acted deterioration interest of the Bank. In all, 12 charges were levelled relating to the various accounts hold by the different account holders and allegation of the petitioner having embezzled amount from their accounts. The charge sheet was issued under t