M B Dhiwar Aged About 59 Yrs vs Syndicate Bank Abody Consititued Under ... on 25 March, 2011

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Karnataka High Court

M B Dhiwar Aged About 59 Yrs vs Syndicate Bank Abody Consititued Under ... on 25 March, 2011

Bench: Anand Byrareddy

i

 '§.'E*f.£i ENC}?-I C,7{'_)E§E{T GP' §<AI{NA'f',I5x§{!3: AT B;§§\3(:EAL€)R§i§

 

.I,3;3sf.F1?iEI) TH [S T.H{%L  '?i5}"If);¢\ Y C)?'

_Bi3F{)RE:

THE H'{)N"BL,E MR. .IUST1C13 AN"/AN'[)     

WRI'T PI%ITlTIO;\T No. 24443V(>'F    

\NR1T PE'"I"iT_I():'\F No, 24438 01%? :2:<)_<52 < ° K   

BETWEEN:

IVLB. I)hiwar,
Aged abmat 59 years;._

S/0 itiafbzillrzgtc) Aijyigji,   . "  _  V . V
Ea.r1ie1.' xmiwking  _,f3hi'é:f  {.E,f,.§1\A}-'1}, 
And Of1"ice£_ji;3 S'e.1j1Vi<';i*1M;:1_;_::1_geﬁ:'era:« ._G__I'£1(i§C
Scaiewfv 211: S j,/v11"<:iic;5:;1ut«': E-?;1I'1.E<._,'Eigixzal IC1ﬁ1i'<;e,
Udupi sirtca il*3eg:1I_'iVy'V:fé:.riz*<s:i "f'w.r1".:; service
C()mpL1fs<_>:'i1y 21'n_;;i  zit" 

Pulfti. Vihzu" S<5c«.i.¢t_3%Ey', C--7/ 

Sastry 3\_R::g:1_r, G<31e.ga(3r; W'€:st,

::'.\.{I;:.:";*.b;'{i:'«:;-A V_._!(}4.  _____   .P}3T.ETEONER

(c01n_1'm)I1 in both)

Srséiiof'A(1\;>o£§a1¢: gr  V V 

V VA AN1): 

 S;-'adicL:x1e B zink,
 _Q;>11s:1'ii'L:£.e:i Lmaier 131:3
-  '--B'211aAk"}ng Cc_):'z1p21ni<:.s' (A<;qui§;ité011
* ff A1'1.<.i..*['1'ar1:»;fe1' of U11Li:32'ta:}<%:1gs:} Am l9'?{}

%

("B;\,~<=§h'1'w.iT, }3;'--z1.sz,111:a:1, Advoczxte for Shré, P.S§ R21jag<)p211,



Q.)

The peti_tic'sm:r W35»? :1 p1';1cEi:~.;ing z1<.iv<>cat€ 0'? the: IVfL1'r11b21i

Higgb Cfomt. H6 Ir":;1e;i_;'<>§:1c-xi the s<:r\.='i<:ci:.~; of the Déillii. E:'1i1'E;'L:'::_a%V;.1

Law Officea". \»'\.%'§'1i]e-3. so w01'i<i11g., hf) was ;xpp<)i111e('i"§3,s  *

Law ()fi'i<:e1" in the M%::I.d}.e M:111;':gem<3n§ (Ends S¢:;1Ecv-~I§.{. V By? di;'c:£?_t 

re::::"L:.itm:-:nt. in ihtii z'e:.;p0£1da3m W b;':ni«:, Ht: i1_;-1{i;«§<3'§;1e%j ";'«E3_<3'.s;;«2e..;f;2"if<,j:t;?;s4::'

of the itsmik on ;'Z3¢i.1'?}84_ Thevp€:tit£é_mei_'".jwa$ V"\( (fVI'k§v1'l,.g'~;{ Va:::s"~3,r1'~

<)f§_"'icer in Senim Managemtznt GI'3dtj S~C'iE1€-[V.Wi1'.ij i"}."§f3Vv"I~7*.Vi§,'§"}')'("}IiV.(;1€2£}{ "

and he wsas 4.0 retina fr01'I: the sex*xfic§:_$V"'<'2f {E23 E321:ﬂ~;«--9I1 F::aE;h.éng the

age of supe17a_nnua*:ti0n on 2._.'2;-2(_){--3_3. ,Th€..V_p»::tit.iM(>ne1' c0nt<-znds that

i121vi11g rcegjgj:11"dTvt{':TA1:li.é: mi3if1i.'1:'tuIVi1 qnahiﬂiag é;<~:érvi<:e p.res;crib:%:d under

the prc>1m'>fi.'c>;a 'p;>}i.cy;"ligia\xf::.$ €-n'tit1€(1 in bi', pr0m01;e:.d to Sanioz'

_Ma1na1ge_ma3r1}: Gmd¢:"S'{:;aE.é'~IV in. the year 1987' and Senior

 ._VMéi112;gémé'itf  Scz.-1ié:mV in the year E990 and Tap .E:I_><;ec:uti.vc:

G:L;i-aié"Sc21Ié:?'~_V_I i.ij'v£i"1e 3/'c=:a1" 1.993 Lkﬂﬂi Top I§ixe:<.:uti\re Grade Scale

«»\/Ii" i1'14"':h<;:"*--ye:1::" .3997; Since he was dfi-11i.E;'(§ pmmotim1 1'0 Scale»

 ' \}'i.-='E"T1i'1._r; b1'i11g_z_ir1g in the crmcept of 7,0116 of consicleratéozx he W213

 __ "d*;::nE_L;d p;'r;>1'n.0%;i0:2 to 'fu1't}1er Iliggher scuictss,

aria



Aggtfieved by Elm. {he petii.ia.):1.e1* 2121:} §1:.%_tiat.e{§ ;3e_:*r;:<::::e+:i_ii":--gs

in W? 2488/E994? in {be .H_i_gh_ Couxft sf' 

ret1'(_):~_;pe<:ti_ve p1f<)n1()t§(ms,. When the %_;;ef.i_ti<.>:J V-g1:1s;_..pe}1.ti_iI1_g;--.f'E11.:iE,

he211"ir1g., he was'; taE<e11 inn) c.:('}11fi(§er1e'e.__  the C_}1L%.;i1'1'nzi:'::. '::~z1c'1'*.

EVla1;1agi_:1g .Di_re<;:to}: of the bank ;111{i"e«e.x:i}:1.s; aI:srs2.:'11'e_c_{"-0éf7=p1:(;:1n0Ei_0n if
ihe I".¥;"iéii'I.€.?." penciing beime  t;1';<: Hfgil _C'::(:.;1_"E,»?w;1s wi.thd1'awn, The

p€'[iti()D€§' ;:cc:<')rding}y wit} A:hf_e '\rv_£'}1x?:_ :f;>an'ie», V"~VE.f?1f(.':'»"'~.it'4"~.*'{"3-I', the bank

resiieci ﬁom its    '{3I"§ ﬁe <>1vi1er"i1i1'ae'1(i'; ii is the petiti()11e:'S

<;0n1:emion thz1t'V:he-Eignk i1_1i'{izi't.v:%d  of actions to victimise
the pe£iEicé._ne1*. (m.1y 'hec;:m§;e".E1e"hztci chosen to air his legitimzlte

"I.'i€3V&-E£1CCS. V'Th.("n-.1<.:h.ti1e "3eﬁ.i'tE<>11e1f was «:a':.111Eed mmotkm to
3:  5.. _  .

-.Seni.01:'''3M;}§§'a1ge:ne1i{'' Gm-1de--IV with effect from 16.5.E998, the

v'e:Ehew:" §L<,p_e'L-I,$'(i).f'the* matter  iglloreci.

' .__IE' is hEsﬁ.:;"ihe1" alﬁegation that eves: ciu1"ing_: the pemiemsy (Jf

  z:f"me§ai__{i-' writ petition beEb1'e the H.igh Court 01"ML1mb3i, the

 bémk -E1225? i.<;§::e:,1 2:, s;Ez:'>w~e;:;:.s;e notice giatiegl ;2(}»'1.J998 q:.:es;I,§(:»::.i:1g

..'_'hi_»:;--~~:u;:§,i<3:2 in i'm"r1i.$11i1ig 2,: }eg:_a'§ opéI1i(5.n": in {he 1'T1Z1{ft3!" of credit

'N

am»?



3.':

facility gmnted ta': we of izs eusstomerez ef the Bangaiere Brazzeh ef
the bank. This permineii ts') the jgzear .1€395. bu: was resm°1*ecEed in

the yea}; 1.998 and it was; sought to be made the Stibjﬁci rrmter ('sf

disci_;_3Iin2:ry pmceedingg which. WEES clearly aimed at vietiv:r.§i.si';;g

the pei.i.ti0'ner.

Uitimaieiy, the proceedings 1*e;é1}iIte{i.1:1.j.mp£§§'iU_0;1"*a:§'f 

penaity ef lfeduction in me bas.i.c_pay  tﬁxfee  " 'f'haf F:3§§'--..

been iradependentiy challenged b};' "t»he*petEti€i'12e:9"i.ﬁ' aegiher writ
petition in WP N(>.Z4438.3ZG€)Z,  aiongwith this

petitien. In any event, the 0rd.e'1-'-or' penaﬁy 'cbnﬁrmed by the

appellate V'.21u{i1(;ri.t§f."V':"-Added._:i{3--. this, the bank had initiated yet

another pr0cee.rj1' r;g   dated 2E.E.2000. The same also

---.g;dve:rf:er:¥. L(::_ -3.V_EegaI"i;3pini0n of {he petitioner Sa.'id to have been

  acce-pting another legal opinion dated

I6..i{},'_11 998v_A faiaﬁéhsci by a legal. advism of the bank. The

 ~.__p'e{i{i0nef ca31.e<i upon to shcsW--c21use why di.:;(:.ip1inary"

 §:'3eeed§':1gs {)!_,ighE wt {(2 be taken against. h1'11.1.. The petitiezzner was

 {he--Chief T'/iaizriager of a. branch and the Sh()'€if«C£iEiS€ netice was

é



E3

§9:s;L1ee;i by ;m<',:sthe:" C hief F\%i;111at;ga::' winch ii's;e§f indicaitczd t.hu"2i the:

bank amiy in_te11.dec1. :0 hu1nili;1t:: and lmraiszsa the pC§i'Ei(}lEr'-31.' wj_i:hout

1'eg,;a1'c1 its his po::;ii_i(m. The pctéticmm' I*_z(":".>~.4-ha-:2':-'<-':1'., :'<3;?;I§.::§ii=.t{.:._i'ii1.§:

n()Eir;::-3 anal it \w:: pointed out {hat the only ;1sp<3ct"-9.3%}  

pc3ti1i.i0r1e.:' hm} "been. usicczd to a-éxp1'ess hLs;h<'31i3ir)i(-111 .wz:1:§"a1i:~(>u*f*tE1C:.

propriety oi Lkﬂcﬁptillg Eez1se11(.)1d riggluis. in 1'espe.z,'f (h>hl' cé3.1'faiti'--..

;31"<i)p£::.€y as seazuiiiy for 2;: 1021:": {'172EH.S{§L*,i§(:33. Ii. §:~§-§}{5§.§T}i€3(j:'{_53LI'£ by the
pe.titi(me3.1;" Ehat the a1dvz1:.1c€--.h€r--:i b:'_'1€-E151I§E1'£.iC'.,?'ii'.[11t3 -Shoolay branc:h
Uzi? 111:»: hzmi; at i§a::1g;::1'i(.)1'e: A.7E'~§1.a:f:;z1i(*iAt:-.:*2:é':G}'1 'i"i2i;t,'ihhéziiiacd zi Easgaé
opinion f1'c)1n.c,>n}2 S2ijﬁi_cex* j.¥~'-.._2:.'Is«;;11z,:1_}, :1 .1eg;iEmadVis{)1' of the bank,
who had f:';'.:,:rn--:i.S;hed"hi'§- .,(jp~i;i1I1=>;i";:.s 'E0 the title to the property of the

mortgagoi' aif1d h1"..adV'1tu1'£he2i f:xp1'<3ssed £112.11 162-ES€h()1£'1 rights in

"V.1jvespe,f:t':'«0f __LCetit;1§n ph>}3.r:_1fI§;', WI'1B.%'E3 the least: being for :1 period of

")9  "cQL1§.d'*be "1'(;'-C€i'v'€d as <,:0112:té:_1'2-11 Se-Curity. This opinion

had  ;jef'eij}';éJ(:1 by {.319 Shcmlay branch 0'! the bank to the

K  v}£1I}9E.1I()I;{'3. 2:311:31 office nzmaeiv, whether the 1n(')rt0a12ze has to be
._ AA 4:  . c ..

 _;:5u.£"i-I3I"_s::?L1gg¥": at B;'z.ng:z]<11'e \N'hi3§.'€3 {he E02111 i:«; being g1'a13i;c:x:;i. cm the

2

L,/'



5-;é;'-{5LEl"§§'fy' (sf p1'<'>pe:'iy :1: PvILIz.":'2¥::a:_i. This wa:_~' éhzé iimiéed s;::<.>ps:3 of

I°i3fé;3"1'C3§E.i3{3 that had 1:>:=:.<':n mad:-5 £0 {hit gzonai 01"fi<:<::.

Tm: Law Officasrr at ihﬁi z.c)112-11 office c3.:<p1'ct$é;s:#}"'.VT.I*:§§;;

:1;:;preh<::115;i0n 0f receivixng R32.-15'.¥Gh€)§.(§ rights 21.5 s;<;3<::11"i':'.y' a1:}ti.Véc>1:n%g»Eé{ 

<:'i;1:"if'§£.z:IE('an f:'(.>'m the Mumbaé (>f§ic:,'é:.  'i:' _ 'Q§;'£i$' .I;V1i<;'~._1i:1'1'i«'te<;1".

cIz:r'i'§'ica:ion czxprcssed by ihe §3<r:£it,':()21ea' E;h.21{~.,fi:1a11cj:;1A Ai.1'1:9'§:ituiji(§'r1.s: --..

such 215:; {he Siaic: I3im:r1<:i.21I 5{7i:.)1.;§:;¢.:»_z";1t§_(>é"2:;_ "ar:d  {z1dust1'i_ai

De\»'eIop1ne11t Co1"p()r.21ti0ns ..;-iC£:e}_31:_ sL1g.:h s';<:_<,u;*iE.};«' am}. that E'h£31fi:. can

be no iia'1p€ciimc'::1E ii}.;l{;CCp[Ai.E1E§.§."[hi3 i::z;;sv::-hiﬂtvi tig}%_'}é§~; as SE:CLl'f§Iy for

the I_oan and ihe'1i€§'f<):"t%%_:.the~.p%::i.i.iiQ11.e1j_.-6égpiaiﬁéti by way of reply to

the n0tice'3:'h;13. tE1c:ré wf'2:..sj41%1() 4i'n1p'r0p1'iety committed by him insofar

as the ieg21}V Q15i;1%(>i'1.f'1;;;":*:i»s;.hi:<,i. The disciplinaify autllority,

'1T1g)we\vf(§j:":/ w_Li'1'h 21 s'i%'1gv1:i:_1r:i11ded dete1'mina1ti.on issued 3 chaa"ge:~

Vshécz \}v"%2i3.'ev..4;3'\>'::é1"lQ(')f:Egg {he explanation ()fﬁ:1'ed by {he pei'i£i0nc':r.

'  The Chzirges  verbatim :"epa'0dm:ti_(_>:_1 of the c0nEt:n1:s of the

~.fl" '¥hmw'--<:2zL:és3V__3n0tic<:, The pc~:.tiii0ne3.1" the:1'c:f"(_>re.; z'ei1:erz1t:':d his

"'«::.:<;:.1£1;--::1:i"<'>21 zmd the: di_s;c_i.piim'1:'y E1LlEh()i"i§}:' if-gnori:*:s_:, the g£i§.n{ié

;:1;'§3p£*ii§E{€3(.1 an ir1£';a:i:'y 0f¥'i<:c:1f to i.r1.qL1i,rc: E2311) the {3h.E,il.'gCSg The

I
1
I



petiitiorzer 1":-zisegi an <'>b'je.e1iam that me i§'.':q_LIiI"}-" ef§iee:* was I1{..'}[ weiim
verszed in {he iaw gllad the1'ei'01ie, w<::u1d. man be in 2: p<):.;i_t___i:m to

21dd1'esa; the Ieggal Eti*§p~'.2iC§S; in wnside1'it1g the aileged :':fniéé'eQ":1¢§':2Vet

c<.>1mni{te.d by {he petiiioner in respect ef .£':z:f11i's§.111.r1gAepaL"  

c:spi:1im'a. Tim; W21}; s'eje<:ted. An %1ac}i1i1'y"wags»;-,e<>;z:.c1u{;€e:;1g*5T11e

Presenting ()1'f"§<.:er had fL!lT11iShCd, ii lEs1:'<>i"11.i:1e <§Q,cf'.q1}'a'e:i':§; 'ijxxici :1';

USE of two v'v'it11es$e.:a, both emf w1"£t;.11:1_'xx.ie1'e."::.(_>i["Ia:K,>v t:affiee_:'s er
lawyers.

'i"'V'E'W.i Whc) was e.X.amin_e:d. xi»-v:/1As~_\rv'<:)i'E<iii};aé z: Ci1iei"Gi'f'iee1'

 

of the Vi.g.§.1£1I1§I.€:'tlDii;__€§fH16':'§T)2};H'k z1t._«-PvffnIhbiiiiwétaad he was sapeaking

on the basis of :«.1n  i»'r'1:'x:e4s§et.i:g€:£eie'1*}. Said to have been ca1'1'i.ed out by

llim. The iVmies§igziti_{):*:_ 1'ep_G'1't itself  not produced at. the

"'~ﬁnqyzi.1'fy:'«:. $10.1? '£3213 i{V"'1.1::21<.1.e«'avaiizlbie to the petitioner. The said

"w%.t'ne§"s eai,i~n_1'IEt'enE._ W-Eth reference to Clause 7.5; of Ci1'c:LzEar E4/1999

isbgueci byV:hee"--_bé1n1<; that Enexusséng i0:_-ms eouid be granted even

A zijg;1§_:ésE 1.e=:;.5_::eh<)icE ienci whe1'e the Lmexpired lease is 50 j_Jea1".<; 01'

" e.1_9;"::«:}%ie.- ﬁle :_3E§§'1;£'3 ;:c1r:1i.t1;r::c1 that an u11_:'egis£e1'e.d e.<;;L:iI.2.1E:}}c: 111<e3I.'%'gz:ge

-._ "cuLiId ﬁe. ereategl even whexfe the {>1'igi;'1e1 {ﬁle cieeés: were not

fé



9
ztvatitebie. He adm.itt'eat t't:;=1t there W2,1.'§ an :'z'mmt;:t<._>:'y 1"§'i'qt1ttT€;3§"t"t€'t1i'

in the :3/tattmal (>'t'£11.<t.1"t:etis;">11s; tttgzt it wan: {ml}-T' at :"e;gis;te1'ed ;.~;i.mp}.e

m<)1'tgttge wtzielt WE-LE; to be accepted in iesapeet at the .}{)t:=<_>§.j'e_t't':ies;

  

where the o_1'igi1ta1l doeumettts of titie were not aim-i.'t:.i%)tVe.t_' V'

also ;.tdmi_tt'ed by the witeess tttctt the'g,/iiLi'£;i'I2t:t¥;{)':f& \It=f:é«i5;AZ 'zi'._c()tt3.E52111'§3«

governed by the Com_p;1nieS Act, 19S64V:kn{i.__F0t'm'_N:Ssv.8* at13d"'v1

t'€gtS'£'t:?'I'tt'1g the ettzwge of the bz-1111; t""3e1}. t.}3(3 p1~ops_rt3» --?ia<;t.733ee-zt §'_é.1ed
before the Registrar (>f'C(3?ttp:1.1tie's§ ;1fs_Vt\'ii-s;V1nVt)'z=1.i.. There were other

2:1(i11:1_issi(>ns eiieiieci frtwm t§}f:1...%'£1.t).CiW§.I11E:SS.'"'tVhi{i,t%"}i1CC()I'{§il"lg to the

 

petitioner (3!€é'1.I'1V§~._(}C§u t1_:tstV1'é:tetl 2-'1nc_1..eSI:ztt;Ii§Ited the mttocence of

the petiti_ez_te1';. '

MW.2"e«..w2-as sitE.d to 't:=e_'.Iazt eft'ieer in the Vigilzmee Ceii at

"the  time. 'A "He.....i.1";' mm [1216 admitteci that the Sh.0o1zty

'e1fit1V't:':iT1'3tztt;§._1€of"tggiiéiett any aetiogz to eo1T1.piy with the <;Ei:'eetimts

issuei}__t)y  ()ffi<:e1f of the Zonzri Office at Bamgatore Lind it

u jérzzs also.'au,ti't1_it't'e(i by him that the pt.'()p(:3i'T§f in qtlesstimt had been

 g:t:;:te'ize<§5b§»' the {Debt Reee;we.:'y' 'I'r£t:»t1n;1i in 'Em-'eut* est' the bazttk in

..'_4'pt7<;eteeCt%:t§.;s the z'ee{_)ve1"y at the times. it was :~;ought it} be





E0
impressed upon the inquiry efficzer by {he periiimzer that
rregiigerzee or are error at' judgment on the par: 0f an zrdjgeeaie

weuid net amount to rzaieerseduet even if it could be e<)r:s§ir_tf;é'eci"';,:§

Such. In any event, {he opinion expressed by the  

not be termeci 213 iiilegaf or a, neg_1i.ge1:Eé{ig}i.11iQ11'..sirr<:e E:«_eQu'1{€ be

fully justified. 1": was further poémed 0r;ii._r'f1:-z_t the §:Vi:A2;.rge'*Eex»:;51ie('i'--..

against the petitioner eves 3 fa_iE_u.1'e"",ré::» take éz11_  steps to __

protect the interests of fh'e~e_ barik   alleged faﬂure to
discharge his duties with utrr3_c}§:'tdii.i.ge3§Cef'~The1fe*was however no
aliegation i.mputjir_rg c:§iish<;r1e'sty5,_(§r w_25.n.rV{)f'i':';'i'egrity on the part of
the _petiti(51_1er--.   having made a reference to the

Ce'ntr3.I V_i_giuiar}Ce.V C€3rnr1<§_iSsVigi.:1 (he.1"ei.nafte1.' referred to as ' the

  eVer1...E.h~ough the charges lacked any character

7':--rri:e1\ii1':_2;"VE.giI'aneer a distorted velfsion was attributed alieging

that'1:E'i:e'peti_1-ieriéyfwas instmmezatai in eaueing 21 E033 pf 123,333.45

 -'.._E'2:k'h and"  CVC in turn having advised that a sziff major

 §'er:a'Er.§;,f.--' whieh wouici, in ether wr>rds;r rr1_ea:;. compulsory

 'reﬁremerrt or d_ism.is;s:«;1§ frerr: service-, be irrzpesedr the bank had

§



ii

ms-ache.-n'1i:::;?ziE.},~' :'a_§<::.c:<:ai the ;s*L2m1'1_§s:~;i_a>z2:~; of £129 ;3::ti::7m1<;-'::" aim a1r;'.'ii.r1g

in {#31215 of Em: diC{£;1{c3S of Ehe: CVCT, i2'11p<_:s€<;% tifzrs penaliy of

C{}E"§3}')ll1.:\'(}I"};' §"(3%'il'€3¥}3ﬁ3I]E by 2-E11 <.)1'dc:1"<_i21te.d 2(),'7,2(}()1 . '"I'E2e ~:;é1m_'é::.V'é;»=z:A'::;

cilziliezaged by waxy <)fa;:1 app<2z'1I which was s§L21°n1?:1;1r=.i 1jg-«-" c'1iA:s:vr:z"1Lis;"§;a:%f__'T 

it is in than be-2<:kgz'<')L111d 11121:" the p1":::s;:':n_{:pé%fét"£<'>n_isfiigi  

3. The writ p€ti.[i<'m is": WP f. .:§}'l§§%/2(){)Z;..zis§"2ih"E::.i<§y stated,
was fi.1€<i Cl1;=11§r:11gir:g {hit :fi'iiI1iSi:1l1}§?¥1Vf ~i_:';1;5<;~;sjc*:.e:E in yet EtFE()H"1€i"

prmseeciing iiiiiiziicci by t.h§3...,i_s:§.uz112c.::L if'.£1 C.§1é€IT'g6--Sh€€E datézd.

  

1('}.5n1999( Thcﬁiie ii  {§_i.)f.1  _iha1t_. th-:3 "p{3:t:j'té;()i1c:1f while \>v0rki_ng

as 21 StEI]i ()1' Law  éi{.__i:'i:--r3 ' Zonal Office, Ba11gz1I01'e, had

acivised c1fcafi<'>_n  of an ':.;rii?a{_§;'isiaareci. eqLzi_tab'le mortgzxgﬁi by

"v:1¢p<)s€i*i9.'f' ;;_{é1"tii'ieci 'C"()f_3i..f.'...'.\'..«('j)f d0c:umez.1ts of Eitie be}.():1ging to one

 .V';S.L11TSAl'éE§vIf2§§};i'i'hf ins;'te21c'l of advising the C§.'C£iti0E'} of 2-: 1'egistere.d

 m()1"tg:;_g{-3. _Thi:§;__,_ it was statecl was c011t1"21ry £0 this M:11'1u.aE of

 _{i'jE%E'1'UC[i(_)f1S,__ twhich requirczd the C£'€£'£ti(')I1 01}: 1'<:gister;-':L1 n."2s:)1'tga1ge.

 'V7_i'w*é1;s<;..rhE:1'c:1'bre zziiegeci 1'§']&1§ T116-IT€3 was 21 f'2:iI_L12"t3 ts) déschzazfge the.

. {'i1.Z.»L--}' \*«'i§'ii'§ a:1;1m:)s: §.§2:e;§;1'ity and énclicztted an e><;}1ibé_Eio:;_ <>f"e;:.<_>:1_dL1<:I'

2%



E3
the. p<::ti1'.iom:1", but {hit iinwza-7.tigz:1.i<)I1 12;:~pm1't. its.;cl§."w:1s 110: ;;>r<3duccd.
It is; the p:=:iitim":c%r's:. <,::,-13¢: zhz.-:1 he was <,k:11ic:<i :1 1'eas;:>nabk:

r.>pp0rt'Lmity £0 e:mss~e><:z::mim: MW]; by the <i.c:*11i;«':_'.E"'-.{.3_"é7_éijae

i11vesi;ig;1ti<>11 1'c:p0r*:. The _pcti':éo:_1_€1' f'u1'th<:.:.' c<.)nts11~-;i:S" t¥f121{  2:" "ciufy V'

.2

was; exist 0:': the i11quir\; <3ffi<:er 21fEéi' 'tE1(: '..¢'vi.:c¥c-:}"1'c:;'«_; V0i*7:?t%1'c:«

1T1z;111;1ge_:_z1en£ was <:0mp'lc:ted and wilen tins ']'T'Jf3{"§{'§()1}t!3_IT   'notx:

to kiad any e.3vi_<ier1cc=3. {'0 posgez. g@11eréi'}L»,q"L'::=s1'ioné~E:'3't}:--:f pégjtic:»11e-1? on

the <.:i.1'cL1ra1s{a1nc.es a1ppe.ari:1g'"z:.gai1'ist hVi1"h-.._1n_i;E';<:: evidence to enable

the: peiiii<;>m3.1° ":10 expiaira thus:-.:_t;iz7cL1:1a:s.:2;11i.éi'cs;"*~--'"iifi1i:; i..~_; as pr0vidt:(i

 

under I{eg11I21E,§Vd.;}   :'c)!EV t_iV1'V;*j yua'a'(i'i'§;zatt: Bzmk C)ffi<:€1'

Empi0yeé.s' -. '{DiS:Cif:-.E.,i:i'c,Tp°~z;ﬁd.. ' Appeal) Regulations, 1976

('11ereiI1af'ter ii::§'k:f1'r:ci to   th <:' Rcgmatioaus' for b1'e,'v*ity)> has not

-nbeen v_c'c}111p_'licd with? ~H]()w<":\~'er, Ehc inquiry m'_'ficer pmceedeci to

 :3Li'b.mit" his-1f¢p{5:=IAVhea.i£ii11 g {bait the chzngc againsi the, pBEiti()I1€I' was

p1'0v'c_c_f.  The "é?_e§e11ce raiscci by the petitioner was to the e-ffczct

 ~w_ ti2.at a c<3ii:§_:3ch€:1siw'e reading ofihe M2.=:m121i of lI1str'u<:tio11s wouici

 _i':'3;',i§c::f1_t:3.*'%;E*:z1t the iI]S[1"L§CE.i(_)n5§ do no: pmhibi: the crc:;1Ei(:)n M2311

3

_:"'<;:<§u~i1.;1bEa: r:"1(.>1"tgagc ex/-'<31; in aha: zabsezlce ('If Griginal title (feeds.

5



»<-

E:':
estzzbiixiicci that L'.i')€3I."€ w:'ir«; am €I"1"{.31' (>§"_}t:cigi*t1<:.1'1i. in iiL1:'22§shi.11g his

legal 0pizzi(_>11., it wtsuki not 2-:mm,111£ to mi:;c01'iduct and to

Ci]EiI"£1C1'.€i'iSt3 the act of' gm 21{i'x:'(}C£1{€: as L1 !"£1if:§L'{.)i'idLlC{ s;(:mié:iiii-$5:

E"z":(}f6 than :1 mc:':.re 61'§.'(.)1" of gzzcigizienti wozaid be 1'tj3L'jL:i1f:::(}'=-it') .b"'c "

izsteiblixlied. As; is :-:v§ci<:i1E from the cj'~%1'<:'z1i:Wsta1§3ce;=. ii:::*.1_'2ti<:'cLEthe

petitioner W113 <;:(m:.~;u'i';'ed with 1"c:ga1"d K3. _iLi1i(:3.v'ii1"{]iEt3i{;v_. 2'iSS'p(:'*C¥i 'as;-~.1:(:i~.

wl1e.ii"ier %_<:asei'1<}'id rigiits <:.Gu_1<i  
C€§'i.'E,1i§] z:ci.va11<:c:.<; to be 11121vr;i§;'V.i'   Ciiiiled upon
to t3Xii.iTI1i1"1'cE iiiés iiiic '1u   wiiich iiad
airead y been ztdii   ii_1"itiit}iéif  ' 'éitiiifi $.01' whose opinio 1:

was :1ire.aid_y an 1'eC€>:.1:i- "if_Vvi:=_1_§;"':3.()t :1 comprehe':nsi_ve iegal opinion

as 1'eg2u_'ds 21.iiiL._;1S;ip:ect3;_017.{E3_£:._i..::13e1tte1' that was soiiciied from the

--'Vpet.iti<}*r'1£:r.V_iThei"ei1i;.'{;§..i'h.€t.~resp0ndeI.11 -- bank; seekiiig to proceed

Vasgiziiniéiiithe~..pét.ii'i_Qiic:r1' was with 2-1 I'1}&iE1 fide intciition of v'iCti1n_i_si1ig

him 'f'Qi*i z"e:1_S.(m.S_ A£3ii1'ea(l}_x Sizimd. it i3 aiso p(3i.nted out 11131: tilt?

 ~.._:évr,idc:nce"Q1i3~1'<3c01'(§. and the admitieci sequence of (EV-'{3I1fS would

 §:i:';--§i¥'i};" _(};i3I]T1(3E"ESFI'£1Eii that ti3ei'<3 wzis; {EU f3'1'I'{.)1' mfj L.1{;igii1::.:3: or xmizt of

 'd.i..l.igi3iic.¢3 in the <)pi.;2%a'>n €XpIT€SS€d by {ha _;3c3£it%::.):.'s<:i' which is the





16

:;L1bj:':<:t §"I"1;;{{[{;3§"' of the iI1{.;LIiI'}--". It is c:0';";t€z"1ci::x§ §§"1él'£' the éaquim ifs

21151.9(: vi{iat.<::;i in t;}1s:-3 €I1L;{ii E"'}' <.;'f_'§'%.<:c1f Ea;-wirlgg faéiczci to compi

.2

iv xviih
the nazxnciaxtorv a'r::'¥.,1%]'<3mt3.11%' Llndcr Ruic: 6( 37') {)f {ha-': R.a=3C>u"1'21»{i(>;as;
_, / ':3 .. V7 

and it is also viiiatsaci as {he di_scipI__in;1ry aut.h<.>1"iiy ﬁéis p3j0c-éé3<i€id "

on the basis; 01" the diCt'e1te:<; of the C\/:C'"i1i"i.mp':_>siz_2.gTti1'::. i:xi«i*eI'ﬁa:

puni_:~;;h1'né:nt of<:()mpuis0ry a'e:%;ia'e1'1}.eaat ins{_)1'é1';:j_as; tEfae. _cjl1i1;*gi;:s wAh~i.;fh=,V

aﬁeged that ha: had c2.1L:.<,<:.<.i 10=§S to [Ei'eub'a.11k. *»:ii_1*'i":.::3V-1<;>i'{£16 z2,il_a":§;;_<3-d
misconduct.

The ieamed cjmanscti'§:}.ni §i:=.e p_c:ii,ti0'1'z"t:I°Vpiéusés re.iiarzct': on an

un:*@§3u1'ted d6C.i:§i,L)11IE1§$. COU:"£ :21 T5163 Cﬁsé of /«L5'rz'I2ivc1srz 22.5".

Stem» 1>'cz}:.[x' vgf" M_5.*§§9ai.:if'aa.1:in_ 'WT.:2*';'*3(}--42 9/2003 a'c'zI'ed 14.10.2009 and

thssz. \-wit Apjﬁeglé  in WA 4298/2009 (f€c.'ic1'c%(! on

 _I_(?} H-«'8 IZA "c;5'.._WAv 67/2007 is": the case of S_jmc1ic'(zr6 Bank

 --:s.».'s=. €.3g2i'2{j..é'f: cIaf'ec2' 3.12.20/U in gwppcurt of his case.

'A V 5. ~E.n_3:'{:'n::d St3'I}_i()I' A(§\50C:3:tt'-:- Shri S.R21mdas appeaxfmg

  $01' the c'(_>,Lt_ii~sc:.E for the 1'€5iSp()!3d€§§{S \-'v'0iE§(§ Cmtesad that the pzﬁsczrzt

  \-'wfji .;9{::i;-'iti<>n geeks to qzaestion the E.'.ia'2.d%.r2gs of fact and hence, the

3



1.

7 §€1ZiE§.{",%}.'i€3Z.' p:'¢{:Iui§€<i from saei<;in.g {<3 qL:€s1:i::>r: those prqéceedings as ifby way of an appeai in {he present petitianw Even if 2: saccand vievaz possibie an the sama set of facts, it we>u_Id ram; be ?:.:':j,§iT{_3};iEfI(Z1 for interference "by this couri; in 1:3 writ jurisdictiarg.' ' w1t:h0=.:.3: prejudice to the abcwe preEi=;~ﬁ_ina:"y c§bje_. ¢f£c§n_ petitioner' was functioning as a Senior L2t_\>J'--Of'fi_cef,--. Hr: 21c"<;§ii*;ied._V c:_1ea:1'ar1(::: far 21 Iegai Qpinian g'ivefrvL«L,b7y.(>ne M/3' E%?_f;.j6C§'5; Kéxnézllaza V and Company in Eespectv(§f~~.gert3'iVn 15:1->Ipe19sy_'enabIié9iAgE1 customer E0 obtain creciit. fetciiity 0f 21V_1:;£1'gV;: £)--f'~~r:§(;i1cyV--~ exceeciing Raﬁ Crors and vi.L>}a€i_dfﬁ bai1§<"5~--guide}in€s contained in its Mzizjual 0%'. I"rj:+1fi°1:;C'£i,QﬁS:V,"The specific: irreguiarities were as foiiowszw ._':L"';§?he;__jA1egV;13 <§}§i1:«§vc}n__.fu.rni.shed by M/s Sanjeev Kanchan and ac.cc:srdance with the Manna} of Instrucztions.

A h1:}'_;O'ry Qf fever 25 yearg preceding the loan transaction was

-=._ nm exaI£§E1}Aéd in the fame of which the pétitioner had accerdad his _<:1;.~3:1:r;f=¥_1£:5 for the iagaf {)[}i'f1i{,"5f1, Secnzmdiy, in. the absence Of " "V:-nfi-ginai documents :i>f titim it was incunzbeni an the :.:reaI;i0'n 0'? 21 5 EL} ;;mtim:'%ti::--s; to cc3;'m:~:1.<.§ iIi';z,1t i': is-; waif. ex-.{tI.<:d by {his :;tif>(m~:

2-iL1{h(f,3§""§ti€-S {hat the f;1%ILm3 to c<31n;31},-»' with [I36 1's:e,_;:,2é1°c::1'1"1<31}t GE' :1 Ruict 01' R€3g1,'l12i[i.£.)§}. ak_i_1'1 to I{e:.gL:I£1t':<:1'1 ("s(17) d0€'é.; not --'»%i;:§.:,i_'ts~:E--E::% in¢;L1i_1.'y §,12:;1es:1; 'aha <§::2§inq1I€:1'1t 0ffi<:c;' is able £0 e.stz1b1--E.$f1 ;_31;'<§';jL':diU..~:-V_.""T {aj Sjx,'-r'z(;7i:*('zre 1'3c.z:'zis: cm.c1' Oi/2er.s' 29.3'. \,;i'é»}é.}'c(z';'z2 2(}()(3(2)'A1.R Kar.R !45, A T (£3) §S'j,.-'r2(!I'c'g2.1é' Iicmfc vs; A.M".Si{rLg;i.%:';«r:is'z.n'1cZ:'z?%aé&§?z,: ' ;'1%r};)ce(z! N'().4599/20()[ ' {er} Sssrzzf' ii'u.;~Im.r 1'?"-5"Lfl;'f?é¥ij/'.:£'c" .~'.w'.~'.? ._ csmf ttm'-2:22;-13'. AIR 1980 é % A ((1) ~S'fczrcai'gBczz2k. «.(..i'E".Ii"<f-?f'*S' vs. S. K.Sf1.c2rma1, 1 996-11- L1A1m;r)3'(5;gf) '« M " * (Q) :.:rz_;cz:" 'Z\A7'z'g:I1.:/:.7,...:r;s'. Srazc». afM.P., AIR 1997 SC 1358.

"'{--§} "t%§'7,;?3'~aV1"{'><~7:x!::: f21ct:; 2,-mezi ci1"<:um.<;t21n<;es. whiiiz it is ifuii iCE"i£1'E t':1ai$'«.:.g>i;1'£ iV:_"1.'1'iL:__;:--V_w':'it j'u.ri§dicti0n would not 1"e<:xz1:"ni:'1€ the 1n.at€:ri_a1 " "««.__V<i~»vid611c<§vtétest the fixmfiiags of facz eirrived at by ihrzz imguéring _zn.:.t'§"'n:+..t,'i.;*.A"_j_»-g but W]"1€-thfii" ihe cu:'1c1u5i<.>n_ ;1,r1.'iv€:d at on the bassis 0f 33 It vaa:§ 2.-tlso elicitetl dt:1'i11g; the CEBLIITSC of the i.:2_q_L:i_1"y~th2t§th.e pr(>pe1"ty Eh qu<:s;tioz1 WEIS an Lumguntimrised ,s;truetu1'e _<_;)'13--; * of the exieting tllree storied bt2i_§<,tih§.; v-w'i'ti";-.i'11feri(>1it{E0z?;s;t£'L:;:tA.i<i>i;., and was not ttt1dea' the oecttpatioh of ahy _;};a:.1'};<_>1t ':1zr1<.i:~ 1i't--;trE;;.et~. vaiue was highly inflated and tine"horrow'e.rV fI:E§LEdvtl1€lEii]y crrezited am Lm1'egL_«;tered tt§;t:vi«tz':hI_eh i"'I7'1A{jff'3"[4.L:~,r;2:1 _,¢.J'i_£'.?:' h}; tieptisitéag the photo csopies; of the 'title fact that the

-s , a,.,_. , t '=.cs;ett"--hy' mm gin, i':'*I'.'t'.-wt-EE3, he an at wtiieh e

t)rig,;inai deed w:1::i_.<;0 the petitéoraer w'z2s"he11;§§ 3"e:3_t_7(21,tS'ih}«--eA':it the _inq_uiry, It difficult to accept that the [jet-'i:Vi~s:)_rie1" w_2ié;~...p1"i_1:af:arily responsible in the bank having p:"0V'igjeti1_attiQa'1;--f<:n"'i-E:;e"hé1sis of the copies of title deeds which _w;e1'e 1'i_i'»ﬁ_Vt11c>£f£>ug.hE3?' scrutinised and the property in "'~t:gt1est.i.§5t':.t>e_ti'ng__t;n21L1t'i';e.aii_s;.ed ()1'<')\:e1f-vaiued, it is appzlre-ht that the "-tioeuihetht:;;._dt7 t'i«t§ev11e1t1 been settztiniseci by the Eegal 'dd\»-'iE5()I.' of the hzi'1t2kv,"-wE":t5' h";tvzi__ i71:j:"iVai$heti an opiraioh and the iaw <)ff'iee1' of the _;:e_>r;t-tl"'t'>'t'"§§«:i;¥€%.'¢3t«--"'B2t1":g::;1J{>1'e as; welt as the Chief' EX/-"I;1£"s21ge.1" of the "She,st::a.E2.-ty ht":;11"1<:h, whiczh iizts extentteci the I_.c>2?s,:"a. were fully awatre E 3% 01' the ?~:1zm.L12:i of i§15.éiI"Li<..:'Li!1}I'1._'-E 2-md w:;:::'r;: aim 1'c3qL1ire:d ta) c<.>mpi.j~;

with the fmmaxiities of <')btz1i:1.i:2g {he originaf Eétléz d<:ed:~:__ and ens;1.:t'i:1g proper <;i()c:'u1nc:~n.tati<.)n cve.11 ﬁg: the abs-e:1<:<: {If ';:trij;= 1'eT§_jz1.§ opinion fumis'i1ed by {he }._)c':::t§ti()I1c=:1'. The Eir'nii;c'-zcf. :1s§5'e%_;:: Q'11..v"v1ii.Ch."T V' the pe:tiiio11e.::I' has ::xp1'<3sse<;i his opirlicm i$ t(.:\%l'1§: _';}?':_;i't t 1]t--":7 I Emstzlmld righis couid be acc.c13:'c:c1 £18".S€§CL1I'it}i "f("3£' EhE', :'31<5'a_;1 i.'}."£1I1S:§£1{:[i('}1§1. He waist mat I_'c:q_uir<-:<3. which had :1I.1feady 'mien scrutiilisvécﬂacgr to ITt3~«€:.X&ilHin6 {he nriginai mic ci<:'e &sV_.2111d i'.t';;'t1*t=}-f(¥;«t:V'§"'cg}, (f:i'ii1<': ;.)mpt:r"i:y' in 0ffe1fi1.1g has appa.re.nti_y 0verreac.he_d 1~.'r1'c <:I1"i"<>»'1f::;gé:4Ii;_1g:i1t._"cf discipline in blfining the charge against thr: pE:«tif1<):1ei'.En _:'cs;§»i:ct of at furmtion which was not "'disSi11,j1'f'21r:__ to_that "of....2.1...«;)1'0fessi(mzt1 advocattz expressing his 'epini<'§n T£i':_1g«c'2d "vvr_it}'.. pmgn1ati_sm.. T11<3v1:'1,1'1*I'}'ﬁ:::'i;' ci1'cL11nstanc.<2 that the resp01"1dt::1t ~ bank' though " ~'««___£::~itiz1ted f':3gé)\='er),' p17<_)ceedings in respect 0E' a loan t1'e1ns:.1c:ti0n and am ::1i:::r.>5§€<:u1'<:3rJ, 2-: _:'e:<;t<.w<:é.5'}f <3<::.;'E;.é'f"i<:z':r:: wcmid 2-tisn wzxter dawn the .4'_4';a}»k:ge:d s;<:ri«:)u.s;r:e::s; 01' the .«;o--<:a1.Eed :_"1'1i$c<'>11<1uc.t on the part 0:" {ha 5 2:?

p<:titi<'mr3:: Hﬁfficﬁ, {he pLl11if~%§"1E'2"i€-Ilfl. oi a;01"11pu.Es;<.>:'y :':;3t'.i11:-émcsm .a i.mp<>:~;c':d pL1:'s~;u;u2i {(3 tin: i1'1€["Lli1"v' p1'r;><;c:<,-:di.11gs', which is the. stfaject l"§}&k[i€1.° of {he {int of {h(:':S€ wyit p<':titi0n:~;; its; wholiy up\és;£f1'--:4mté:r;i and cannot be sutatained.

-Since tin: saecorxd of {ht-:.<;e writ pefti¥;i<)1f1§; ";7;:_ré;Li;{m*{7 to the \«-ery incident and $116.5 i-1j1p0si"ti;:')1'1" of TV;§iiAa:isVhin<:f';t c;«f é mduction by twee staige. in the {ir11<:"'s;x;z1i:%,<>Tf p.£{:.£_'i¥'it.h i3f111I1ed.i2:te c~:ffec.1' for :1 period of th1f<:e"yeL11fs 'isf 2253;) fr'; ._law- and cannot be sum-1i_neci.

in ";1;A11e.--. "the -'I112-mar, it would be wholly 'u111"1e:ce.s:~;a1fy iL0_<3xz1m'ine 'a3rhe:§1e1f there was Vi()}£i.ti0Fi of "Rule 60 7) anti '.;$g4f'§et1é_i§r t_11{2/re'Wa1$s...p1"e}L1dice catlsed to the petitioncil' and if "'th<3w_ b'::11§'<__"§3éid_ a<ttec1 on the dmtzttes 01' the CVC in imposing 1n2:jmj pe1a;1Etic etc. é I36 The wyit ;.7::.1:iii<'>r1s; am: ailawed. The i1'npug:.1_ed .«a;_§2*d{3z'_s"'--;)£' p1II.1iIs'h.§1'}£3I}.i em: zlsiée, The graeziiticm:-:;'° s;ha1'I c::1;vi{'L:%{§ V' <;:on5;eqL:e11t.i.aI bem3f'its.

:3 V

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