( 1 ) THE petitioner S. C. Garg, while working as Branch Manager at one of the Branches of State Bank of India at Aligarh, was subjected to disciplinary proceedings in which he was inflicted with the punishment of removal from service and recovery of an amount of Rs. 88,934. 00, vide order dated 12/12/1994 passed by the Chief General Manager, namely, the appointing authority (Annexure-10 to the writ petition ). The statutory appeal preferred against the aforesaid punishment was also rejected by the appellate authority, namely, Deputy Managing Director and Corporate development Officer, vide order dated 17. 8. 1995.

( 2 ) AGGRIEVED by the aforesaid two orders, the present writ petition has been filed in which making a challenge to the findings recorded by the enquiry officer, the appointing authority in the order of punishment and that recorded by the appellate authority confirming the punishment order, learned counsel laid emphasis upon the scheme of working under the "janta Deposit Scheme" floated by the State Bank of India for giving door to door service to the public at large An effort has been made to expose glaring faults in implementation of the aforesaid "janta Deposit Schem