Karnataka High Court
Vijaya Bank vs Smt Suvasini S Shetty on 8 March, 2012
Equivalent citations: 2012 (2) AIR KAR R 655, (2012) 3 KANT LJ 498 (2012) 4 KCCR 291, (2012) 4 KCCR 291
Bench: Chief Justice, B.V.Nagarathna
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figefi Abaui: '?1 Years, Earlier Wsrkmg A5
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Bangalore Since Vaiurztariéy Reiirad
& REEX: N0258, Gsrounii Fieer,
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Rajarageshwayinagar, ._
Banga§0re~5€30098
M Mundappa Shetty T
S,/"£3 Late M Vitéal Shetty _ _
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Eiarher Waring As Ssnier Q_§_"_f:"C.e:° iiijaya' *
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Bank D€Vaia.€iak;€re Sines '--«faE:3:3Eari§§; §.€§:--i»:tg§:§._ .
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15"'aE1:'3:§ss*§':j; Reiéreé $3 Rféé J2EE',
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Agsé Abaai $2 Years
Eariier Efifsiégizig As Maizagei' 'éfijaya Bank
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'Jeiurizariéy Rfiiiffiffi 5;: Riga: "Aj€j;a"
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Dayanaggere Sings g%f§§zU,E'1':L2§_I'§}7 Rsiézed £1
RFAE i'é0.39§2,?83% "A§:arashaka" E31131 Cmss
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Sflfli V Ehivashri
EVXQ Praiap fihanéra
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GAD, H3, Bangaiere Sines V<§%1ur:i:V23.r§vy Ré:'{i;*$§ ' .'
R/A: N0; 3922, 41%; Main, RFC Lay 0_ué
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Smt Sujaya G Sheiiéy
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Aged fibaut $0 Ye:2i__ré'-._ . _ V --._ ,
Earhrer Working As E%'Ea::ag§f';--.Ef.ij Balrsk
Vast: Navi Mumbai Since 'féhint*&ri}}*§EZe£ir6d £1
R./A': M9302; rviahaima v}':1?i:3§L+_Bha\:;a%:
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S,/S K Sanjesva Hegfis
figed Abeui 84 Years
Eariiér Warkiag As Maaagézr 'v'iaja§!a Bank
3121?? '§'rani::g Coiéeg/:e§'¢Iu1k: Sincs ifsiun
Taréiy Rzatired $1 R/A2 Sheba,
N633" Jugiimr Enduaygg Enfiroii,
Kunjftéséiu Post Uciupi~5'?8EG?: ~
3:8. 31:21:. KL Jayamma
Aged 53 Years,
W/G NR Raghavan _
Earlier vmrking as Ma::agé"r,_
'ifijaya Bani; Chafi_fiapatn.g1___
Sigese veiuntarfly .:"£'3:.}f_1'€e:I and :'e$:di1-zg 3::
No.3} E, Siva} 3"? T:a.iI1_ R'€'sa€:i; 1 " V
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A "féézzce 'ilféiifiniariiy R$é%I°€é arid
1%/§':'§i,E:'%--9.'s £95293, :1 Féomz
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V "' «--.E}?§ga§:g&§a§§ §'?5G€33
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3/63 3 Baéiis
Elaréiar \2€0rki::gf As iziariager
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Since Veiuntariiy Rsiired 951$
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Banvaié East, §\«'§u::":ba.i_4--O0G6€i_ "
K Shashappa Shéity
Agéd abeut 58 Years .._V
S/§Q,La;t€ Veerappa Shaitffl?» "
Eariieg" Wagking As Manage?"-,V V
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v Age: $1?
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IN WA Nos. 48164830 of 20: 1 S-RES 4'
BETWVEEN
Siaqée Bank sf Mygere _
A Bed}; Qerparate S«:=:t~§,?p :2,nC£:f_:'"'
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{Subs§d:Z3.:'y Banks) Exézi, EQEQ _ ._
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:3: WA Nos.4833-4333 of 201 1 s4'RE.:3f A. 3
BETWEEN '
Siaie Bank sf Evigfsofs
A Body Cerparam S€:--E:p..unde?'"' *
State Bank; 0:" India L ~ .
{Sub§:dia::gr Banks}A<:%:, E959 V V
Saving i§$ Princéjgai P3336. {}fB;L§S§I1€:SS 31 L *
Head 0ffi<:€~ azmggga, ' '
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Petitien N0. 12282 X22222) éaifid 2::i';<>a:';2{)::«.;i. -:' - '-
:2? WA N052 52215232 af 2932; {s~R.gé>._
BE'FWEEN 'V
State Basis: 0? Myssréi V V_ ' _
A Bedy Cgrporate Setij 2;::d§;=_r g_' V '
E26 Statg Bank cf Lndia. ._ A
{Subgicliary Banks} Act A1E;'5,9;'VV V A _
Having {is Head Qffizta A1;
K G Read§ BaV1igaE;§3'eV~3§{}CiG9 4_ "
Rsp by its {§h:€"f..'€'v':';§:g:1;1ge::_ ' '
2 G P Depa:'?_;:f1::€7né:_ "
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Ageé About 56 Years
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efkiyssere, Regien L €€n§:'aL§'*--,
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Sadashivanagar V .
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33
EN EVA Nos; 5233;-5244 af 2611 {S~RES
BETWEEN
Siais Bank 85 Mysers
A Body Cozfipsraie §€£~U§ made?
State: San}: Sf India;
{Subsidiary Banks} Aci, 195% V « . .
Having its Pr}Z:":cipsaE Place ef Businé=s__:.s A. 3
Head effica ai N09 646, '
K G Raad, Bangalore-55GQQ9V»T'
R€§I°€S€f§i€é by Chief Mariager
P G P D€§8.:'{I§1€§1§i 'L
E § 53: Appaliané;
{By S:'§.B.G;Sriéha§a:r:, _
SrLVarad;ara} R Havaldal} g3~;'é3g:.} 'V
AND
L S T__§§ris'ii:;:;9;§:§3_;2; Sf 3,"_}ufi;r:3_ai3,1%:
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~'§faj'.;:2if;EI:& Sankaram Agédf gxbszai 4% ':'é3a:°3§ v§;%<§§~ S. Saiiiiaiazs. RJA E'?-2E=;"§3 A' '=.4Se§§é1::1*;§a§;a:r:1v§ »S:"§ §a:i Ram iiféél V' r Eféagar, Bééiirsd Staie Bani: 7C§§::::::}2; 'ifppai, Eéyfifirahgfi ?v'E.;§%,?¥E,};Ei2ri§f Agaé Abaui fifi Ysargg S/G EVE Rama §':fEéE:"'i§f:§§ SEA Fiat E€s§5§ E, B%§:":E«L, $133531: R;€sid€r:C§/2 {Eazzéitizézzgaxz Hyészabzsé S:"sJ:EL. E4§s:>a:322':j3;a 'f%%2:;;¢:: Aggsfi s'%;%3s;fsu%:V 54% %'€22;:*§§ '?:?;'§ 33.331 Eizzizz §?'{;';% §%'f%a:4 §}6§'€::2s:::;% {';€;2%:>::}: S2*:§:2§§:;;:s:::*, " :,8;?.%"$§: :% VVP3f"%Saé§ 'E E21 S€{::md€r:::§:3a@E %€Ij%§¢ Ry ?r€m:*:a:h Rag';
figéd fibaui 8? 'fetiars, EKG R Raga Srapai Rae RXA N{},8,L§8, Gawihamnagazz Dilsukhnagar, -
Hydarabad I {By Sr§,M.N,13rasan::a$ Aciv. fer ,Sri.P.SE'AR a;§ag0ps;£.A_ . A ' Associatas for {he r€SpGn&enis:.} . 'EChs:=3€ Writ Appgais are....u§iEe_d"'V..;;nd§éf' .§aV§Ac::{i§:3 4 0f 4:326 Karnaiaka High Cour? !:§:i;=.pra;%ing *;<3_'i»:*i;«¥\;side Ths Qrder Passed in Thsi 'Wri: Petitiag N083 ZGGZ. 4&4'? E 520%} and ZSZQEEQGZ fiated 2:,f£34f2GE E1 ' "
WA N0 593 of 2551.2 $52153}. ; % "
Between : H _ ; . .
E' Bank; if Bg:':3f<:£':§é{..__ .._ _ A body -V<:<}ns::5:itut€:€i «u1*::ie.:rj ihé b8;:§i{i::;g .<ilj{)Y1'.i§§'cf%.'1'"1I:.<\E§S.>{£5:CqU,i'§§§§:i'{}fi and '1';;jans€r é§v_L?2:d'e:'&a:E:i:2gs}_ Act, 1979 Regjrésenicsd its 4Ch}iéf__ivIa1:a;g€:
{T€:';:*;3;:";:a,£ Be:1€*fi%;;'1}_ 'ifigéfzii af Bareéa Eiaad :3§fis¢.~:*, ;':§:;;:i2:j P§§.;::a H1 ;;'%a§,=jajigm:}*, Bareévéz 3'9Gi3{?i'f> ' V §;§§€Eia:::i ..,;;;:5£ --
§ S;a3:.Qé%g§:é§i2a Biiéztéi " E?'§,%'G,f::fi K Jayegam A;;_,§€:3 ééé V " I 4_ 33:91:65 "%?¥a:§<i:*:g As Césyéi Pg Bazzk {:3 §ar0da,, Siéfifaéail RG35 B:"af{:::'§'2 'Afiarigaéisra Sines 'fiaéiainéariiy Eistiizafl; 332$ R/A%,S2"?§i 212$ Mam, VBEEBS G§§:r:ag3,::
Bangiaére 58{}{}85 §€S@Gfid€fi§ "€§fis 'kifriz figgsai Sfééé zméfir :i5§E€'§é8E"§ 4% 5;? $3243 §*§a:§::a%::§a:a %§ig%: {}::sm*i _:%::%;V §fEEf~._--'§E1;§ 3:'; Saaii zssésési asyéer §«a$:§é:::i E215 :x:1*i€ ;s%§2i*:4;i{3:;: 5i1§3«§§§f 2€Z1{% E ::Ez;1:§:{i ,5{}iijZ€}E E. 25723 214.44 Thase Wréé: égpgaaais havirzg bserz ézaarai arzfi ragerved fer §E'C>I':Q%,§E'E€3€§I1€F:§ sf jzrgdggrzzsrzi, éfaig éay, the Shiéf Jizsticg grsnezzrzeaé the fsilgwirzg : I J 1} Q (3 EV} E T Vikramajit S611, C31 This cengiémerafiszz sf appeak '1é§':§;':
dated $8;Oé};2C1§ pronezggcsci 'by E§arn::§:%A Si*:1gEe_.'£1;:'§gé By:*a§€ddj~;' 3.} mzzsernirzg 5:23 <2? srstwhfle €:11§§9j;e€s 3? the appeélant .;;;§<:ai1eci '2x'sEunta:§; Retiyement Ssheme {V33} Gff€'1V'_€§5: i_0'VA;;§ci%3'-Ven~3p}O§f€f banks Vida Cjkcuiar 1 petiiiéms aze substantiafly the prayers thareizz are is 0:13:38}? {E15 iZ*i,:9'£1g1a.r:s which atiémpt fie agzend Regulatiaza 29{$}.V_ G§ i: 'i'};é% §'§A3:§4}{'--..':§':§§p}Q§7ees Pensiam Eeguéatigns E995 {'P$1:si§:§ Reg:§és;té_1§::*:fs 39%? {gr 'Q§eVizi353 332$ Ehfirshy §€§I':§'v'€ §T:€§T§'€T§ sf *':3:i:§é E:sei;.$;§§_: an adfiiiian 3f févs §f68;I'S is their resgacéjve .3 123332??§:€:"'".'3$:i%'é%€e.5" aéééj; S€C%E'}§§'%K far mm 133:: ihe ezésiarz £3":
: . _ ,3 V. ., » a§.€: 3§Afia:3ce "iaf§t§?§Réguiaiisiz 38 GE iha Pgzzsiam Eggsgéaiians @955 i§»;6a:i%»:::3f:i:ég the C€3£':'§.§1.i§Zaii€Z?:'Z on ihe %.i.!€?§;g€ $§"§}%3h§§:E€E':§$ ".€§:f_;a:§rf§~ §:'5. ':§'";&? §3§'°€Q€<i':é:':g E161': f3:'§§E'§Z:'"1S Q5 'iheér gervics. (552 ("V2 {"913} {V3} ;v3:i,) .
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3 24 ;**s*::Tre:?z£ni and the €23€€3iS§O?"; ef €323 «sampszeizi azzifzariig 33322.25 53 firzazi 5% :29§2,:z:::::1r§; ?":3§i?'€§?2€3?2§ $?;aZ§ some énie €j:5?:?C§'=._4 zzzziess {he e::@:?':§e§en§ gzzgthéréiy Ezas pggésési mders as<:e;3€ér2.g Ehe ::g@12:9§icc§§i92::s :2;;'?VV .4 empfayees tic retire :2o£z,:2js,~:iaé*i€g. Z;'.4fZé:i_€?? "f;?«3 Scheme.
The Scheme can 5:2: '«._:_,;2€i§'zé:5?fa%,¢=:fg 'i?;§j discreééarz ef the §::a22§«: %V::§__ é2i*;y fZ:;?':-':.€"V (?;€;'§"f}Zi}Z€i czssigrzizzg any recss~::_2:. it sha:ZZ fie span E3 is '?:¢t~5:::eé:;i%'jV:;--?':V'%*zerzé the Qoizditimgs' '_' '--i_"{i?:::__:?5?Le2 Scheme j"rc:;m8<fE" ~ "~~.E§f:i%jé€:§_fs,::E' Barzic $246}:
gr? Z}i.$Z..C'?V?'~i.V :Z':> " . ., ' V ?}*:.{,€ }*:fi£Q'::§'§ 7::,z;%;&e:" ffie Scheme waif bé'E;«v°;"§:20§::5;;E:j§.e vémpéoyee 2,9555 30: have me *f:g:>V file afipiicaéisrs: ease A gi?:"'s.é§;§§"§§g§€ zagfizgsa qppiécaiian fies" :2<:=!:»:r:2'a%y V ?"§":§§§':£*3.??'El£3'??;§T_.€%'S aserrggted wad ?"e§€e:»*§{§ frem €328
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4: ;' §;::jéf:£iEf§' G3 gag?' £23 Gmiusfgg 1;':§.Cij;S53rg;€{:€ A : gmééiéify as flag Cczsg mag; 56: V' <3;2;3??: aazziyébzzizaz :;jf;§r§viQ'er2': féifid {£3363 §:;:z2":§£f$ sgrzirifizgiioéz Egzaarég girgaéidsm' faéfagl if: £31236 0;" E}§'é{:>$€ wfza ézsazze Qgfiééd fa?" CG?'2§?"'i§Z££Q?:L; Ex} "W :2, W16 Sacgznai égsige that arase fsr <:{:a:":$:',:§€:*a%,ie:: in 1:113 wzii geiééisrzs £3 33 :a Wheiézez-r 'she §€E"§.SE:G1'1 has :5 he :%Exeé"':3;r'2 {he ?ay $33333 prim" is G1;'€§1§E9§'?' 1.5.? if: terms afje§:r::~.::'§i§L'i§::ViE:e seiilemané as the ease may be srzierssd Ernie <.a.:'é:§"1__€_'"%2$V§f§;:e::rs" af ihe ?er1s§e':: Bazzks $1" witirz the r}a>r1~0Effic3Ze:E <;5;¥:i.i;r<%:s':és§;%€:£ti:<i€?;}?, ' suhject :9 the rzecessagy a§::sr:_<;§:nen:3"._bé:ir1g Tviiéézfésd to "iéizé; Peaséezi Rsgfifiaiiass,
5.; After $ub§:1i$$i@:: VA Qf "-8§g>§3ii§é;:i{:.::Ts-. £131" 'fsiigniary Retirement Scheme _E):'>£"'E'E-16 €:fi.'I}}:!;§Gj;-*€€S:;"*7fl}j€fV Béaiik issusd Circzréars cgmmunicatimg gpé};§;p»0.Se':iV__ »a;::*:.gfid_:f;V;ei:i: -91" Reguiatien :28 of P3125193 Regu'i's;'ié@::;;%;% §f1A:,:;E*.3§:*:.a:1;g;;2_w=s>,:1:Ef§?;"abs circégiarg '=fif€E"€ issued amsnéing R5gf;;§a,:i§;3, ,'21"§':«.V€}§7. ?'=<?:§:.3i9:': Rsgulatigrzg, E995. Q2:
accauni :35 '$335 3315 '::a;::';e';--::§}*:::é:§'is? E:":€ Bank saught ':0 den}? "£16 ha;:Eé'E§.é @§. 7a:i::ii:ivzi}:: sf ""'f§§%% jgfiafg C§1,£3fif:f;?§§§g fsewéaa :0 the €E"1'1§)§'{';}f€V":iVS_, hf: V§4 3;::%<_;g:: has? 55:5 benefii 0,? ravéséaa igf i?a§; ficaiss V7 %éi>z'€:,f' GE;/1éL?§?"'j;,-- 'ééowezseig ii: 331% EIEQEEEC2 9? setfiémszzig i: was 's%:i:;:§:«§i§'».fi%13.'£ §,?a,jg_ "Gr figs §E.:'§":§3QS€ $2? j3€}"1S§@f§'; siaié bfi '£316 gggrsgais K {§:f E35: '§:r$A§?§svi$€é pa}? 85:6 f;§€§,Fi£'E'E$SS &§O'W&13€:€ {he:**€@:': 3% é:é;§r:"::z;::f:_é:* ?}:°§<:€ §:'3§.€;}<: Eéfié gsgiiztsfi '?§%:is 33:19:35: 7&5 fséézrarzi :3 "€T§?;$'*;;::*§32fis£a:':$ 1:332:16 Er: Ehfi P633293 Qegufiaéiezm, 3: is 532% sags cf 127 the §e':i*t;'9r:e:*s "ihai the Fénsiozz Regzfiatians weré 119% amfifiéed &;3 $3 15118 éaéé Sf tézeir rstirémeni ané was S0_ v,a_E}'f€T}$§T'}{§€d gzébseqzmntéjg 3:15? in tbs Case af State Batik; Qf Psnséen Regzjlatiems have 2301: been a:n:j:i:.d;_<:_d aiéiii' §:*§:_:g ifiiii» L4 hizxe with ':he setéiemeni <3: ihe gait}: E35226; 1'_*'i"'":i'éréi7*:'::°'e*;g."é:h}s. ggé§.:sf the Bank empieyses is that $3716V§;'§i§£3;;"1C€A§)Ia{:F3_fi: -§I§':._:§i'€~ffivisééfiV Pay $93,163 fer the purpass Qfpe::s§c>.:§ §3éilegai' 7, 'E'h€: E'€E§V8§}?C R€gE§i§§§QfiS_, fe:""pre~$j§:.r:'i puspesesg are F6}31"{}¢:3'.1.1£€d for zeadj? r6i§33:f53",3C-€A VF "5c:HA;§5TE;::"'I
2. Beivfiziificxaséé'V: '" « V {:3 EhséxjE4%<:%gfiia;{1{§§:s;'..'*;.,3;.:2EeSS the cgfiiext Giheyzziiss v:r'e€:;mi1f§ .{$ :¥~L. V V. :?':;YXX§{ .
j§:é'}T. ""v«,_« ':+'3;§*é::":;g€ e:':1<>E1:m€:'3is" EQSSIES {E16 aézarags Qf V '£%?:e"pa§3 d;§g%f:rf:2. 3'bjj9 an €:%::§E®j;es3 ciuriizg 'the East :33:
zngntééig Q?--V1:fi§§'$e:*vi€e 32:: the Saaiaii;
"Pay" ias::§';zées- {3} ":72: zsiaiiaa €30 a .___"":a!Gv:§k::ian vgha haé fiéther :4ei§:"e§ 0:' disd {:3 $3: aféar ifiqé flay 31' éanaggg 2§86 biz: %:E§§i:°€ $3535 18? £3.32 {sf ?%E{:>2;§:::b:;*::; E9'§2; 3:26; in rséaiéea is affésfif '%»¥'§'.E.{3 ,, »*==' Si} E49 Qiiaiifyizzg Service: Szzbjscé is 3316 abs: mndiéians rtsmiairzéé in $1686 Eeguiaéiaag 3:": €i°Ei§:3.©j.F€€: w%:ef:'>_;3.s renéeréé a minimgm Qf {ea jzears 3? sezvécs 2:: ti'za';'%.{a:1;}5<'--_ 911 the dais cf his retirement 0:" ihfi date an whééh dgemeé 1:9 have §€t§§€d shafi qusfiify far pe:2s§Q§:';~.. CHAPTER L CLASS 01%' PE1_\ISI§3'§ " 'V _ :2 S, Superannuatien 1'-"e1i;%.?.»i:Vt")?'::*2: :3i;vp'eié:n{*§vj.;a{iQn §€:'iSi{}I'} shai} hes: gxfanisgiiah §2r{Gmp1s§§€~21:50 has retired on hisT' a;€:a%f:.if:'g j: _ ih e age of superannuatian _...:ta;é_ec:fi.eAc1i,L i:iV':C :I%ie $€I'ViC€ R€g11}atiQ'ii;g«A:§}'{' Se:=:€§é:::;:}é:1%:«,. .... ?f{}Vid§€':i: '-.:E{C"i%___ :><J§f_L}?i2g ,fmm 135 day af S.3e}Qt§:;:'i3.,é_ i' ..j§1t:7{%1gS§5€3i*"?.::,;€'>;?_1,~'*3§fl aisc be granted to 331;. em;;§iéj;*s:vev_vi:zh{;.. §;:).§§;. as reiire befors attaining '%:héFage V0?V$§:§>5%§T:'22;1f§A§::_3.w¢1&:ie:':, $3: asfiar rezfieritag ssyvicxe'-«..%ié3:' 3;V._ period $5 $3 years in Qf $:*:}?:3_§_§_'j;;€z:3e iha: may E36 fraiyzsd fez' sach V' 453$ Bearé. wit}: the gggyovaé 9f the V (,§Q§§£3§E§I1§£?E€."{5 j 295 ":%75e:3%.;s.i<i;35% an V§i::;§2%a:3' Retirezzzegié: " AA {}z:*:v..=:.§r afifi' iha E3? dajy 3%" E\§s*<5e:;':';3€§ i§§3, a': an}: V after Sf: ezzzgfissjsee hag €Gm§E@:€é :a%;§2r1i}? gzaarss :25 Qggafgifjgizzag sszwzice E16 Izzzajzg E35; gév:i:1g ::§':i{::e $1' :10: E633 thazz th§°€€ mgnihs in axzriiéizg fie {E13 agggaizzégiizg auéheréi: zeiira f§'"{):¥"};'E $:€::":?:%{:$; 3} E32 a A32 5222 Ewfie zeferreé is in $:1"i:>--»:*e zsiaiiéin {E E3 3 8 g izzegg make a rsques: in wréiéizg to 'abs: a§p3é:2: i_1é;g auiherizy E9 acgspt zlofise ef iraéurztary :e:;:¢:::<:::: sf 3633 :ha:: three menihs gizzizizg reas0n$4"€hs:ré:'éf'; {E3} 0:': receigt 95 a requést ';ifiééf'{Z1*ause-- .t§*:€' agpoiniéng authsriiy ma;§9','«V $:i1§j€ét'%;€3 «. t§:§e':~., ' provisicxrgs Qf §ub~rsgI.L§§__ai':E§.g:;n {Aig.:?:}V{';:}:'1§é,§Vd:;;€;'=:.t.jf""3...,2:":}'1 requssi far {he czlrtaiiznezf éthe pé3"i:§_C1.' 5f Viiifitice ef three manthg. ':n:_§§*:%*;_s';%it is sé§_:isfisd that 'the curiaiimefii-T.'éVf'L:}{€:?V ngtice will 136$ cams: 8.(i£:fiV);£'1%1§.S;::?Z:"f;?:%§E'§?€*V_'iI§'CCgiZ;;i7€I11i€I1C€, the app0in_t¢:i:E;g =:§:a}_:*-- requéremsni: Sf netécg ;fihf3ie:*¥': xéfihe canditisfi that thy:'éii';p§;i;§;;{ee :S§1a§'*i§Gt for commutatéen 8f
3. Q'? j}v:;g.;¢;§:-».,?é3:1v_;SiA;>::§:'::iV._.béfere the éxgiry of the r:<::fi:i<:é' Qfé ihfés £';:$:r:tfi}'s. V- %§::;»_&.:T;1:1Ee}?5飻;=§2:§hag eiectsd is raiirs uséez" fihtis :*;eg;:1'5,§;§;f:' afié has giazsiz fiscassar}? zzaéice is» ihai .c§§§é"{:§"_*v_v..*;@%~:;""Q26 appaéniéng 3;L::har§'§}; ghaéi '% "-§:'e;<_:'§1;:..r.":i';,%;i=<:§. {mm Wi?ihd;I'aW§:ng his zzsstice axcept WEE}: £326 $§e€::%§é§: agpmzfal ef $239361 auééésréiyg E'?:"m!é§$é {E35}: E336 I'&§U;€$§: E93" 3::-_ch E%'§:'fi1§.§°&§%'"83 'Q1333 be mafle hefms éths iaienésé éate Q5 hés ffiéiffiffififiéi %..'
-w.......« " ""m_.L»' V " gmrpeee Km} M} '"?z"'E1e gueéifgjing service ef an erztzpieyee eetifiizg veizzrztayily under éhie regulezéen Shel}; be iaereeseé bf; a peyied fie': exceeding five §?ea:_S;1 eubjeet is the eenditiee that the 'zeta: egV:_21§§:,:if;~§'~e. service rendered E33; such empieyee ehe'§"'nve:VVV"i:i"e H 321? case exceed thirtyfifiiree yeers &E1§i§§"{}€§e:°.S E'§§'§. take him beyend the éate ei §1e1pere1:iné3»e{t§.e'r:§ The peneien ef an :'e§":é:?;;°:g_VVi§::e§;e§*"'*é;E1i'e reguiatien shafl fie be._efe:i 93:: average emoluments as §J;:iei.e:7vVTA"'{:£auseA {CE} ef regulatien 2 0f theee anfi {he inereasefl. e§§§ee§e'<§ii;:1§'~,,.fix;e V" £2: his qua1ify§::g" him tee any f1Gfi_Q_§1ak§~..'.f§i><i:3.f§iG§E the puzpese sf eai;eu1a_f§i;:g;-V .§§eese:_e '_' .- % "e:iefF_i:EiR V:
_ eeae 9%' ?ENS£ON '§;"%e5'ivae::fie§§§e:ie§:. ef the geréeé sf tee meefiae fie: "zafeeegé-§,;e Veegeiemeetsi '??;e_A'1~§erieé ef {fee ezeeeeiéng ten meeihs fez' the ef evemge €E'}G:iEE£'}'1€Z'{¥:S $12333 be ' 'eeeéieeeé fyere the date sf yeiéremenz. E3': ibe ease eé" Veizszrzgiefjg feiieezeeret er §3rF€§:'I:'1a?,L3;:"€ reiéeeeeenz "eke peiéeci eé 'eéte greeeciirzg {em 4} 2' a WM"
33% manths far the §3?.§,§'§:343S€ sf am-Bragg e:°:;a1uz:3._§:1*:s shafi be reckanad {ram the data 33:: W}:
empiayee vaiuniariiy rgtéres er is A retired by ting Bank.
In the case cf dismissai ar retiremazzi: sf tezminaiian C325 $fj1'%.7§:{L'€ the psreceding ism rrgzzmths fa_;' " the [.'ip5'i;1§;';i's3fV$V€ 9? average érnaiumszzts W-be r;é<:--3:§'z2ej?;;i fi*§z:§ the date 0:: which {the ;§s_ tiismisséeé er remsved er <:«3;r:*;f;sfij1..§VA:*3i:.>_A2*i:»Z_3r fiérminated by 'If dziring, fthe sarvice an empzg3;g¢% V % ifrem fiat}: en 'extraofdiiiéfifigv "pay at had been . iize pericd wherssf éses 'n'9fL:._'c%,\:.:ifii;.' tiie 'éffifesaifi period cf sxtraéfziirxagfff-__Eé:3:1}&«...'~ér stgsgéxzsiazz shaft} ma: be yytgiiszz .§fi£§~._%§¢§L:nt in ihfi 'cgéfifiéaiien sf ihs '2'! .
_sm%ya1 1;}: céixégmis-dry}. «af §¢E:gs:'af&§ §r;=I'%~afmfé%:? % ésszrié '§é%z'*é:'§:*:s 3:39:33. _' ' sggmf 5:5. :2'7;2@§@~ '/////z//M,"
SE eiejged 3GfZ}£.2§Q3;; and far a deeieeafiee is the effect tE:aj: the gjeéétiezzeee aye entitied ie 'ee jeeid eefirai 'eeeeféie ex: gmiieag gratuétjz; Eeave e::<:aeshme:1':§ gzeneéee and"A.eeH::§i1ie:§§n"* value ef gensieng eaieuiaéing {he ba$ie"§3;y.<;}:1..Af:§(:Le_ATV;:'}';:%:.*:e 'GE tee respective E"6{i§"€fi1€§}'ES. Efiflth zegard 'fie '~$§rnd§es§e».i3.a§;:§;.. prayer is far declaring the deniai :o"':§i'ee,pet§ii'er:;ees"'_:0%:Efienefif ef Regujaiien 29$} ef the ,?'e:jg§3io:2'"Re;':¥5§;:;ive;'i:§§;s1r1eA'«i9§r5 pzemisefi under 'SE8 by "flaking inte ien monihs average pay ae gefifjeesion Reguéatiens 1993, These w:'=i§a:4'H aiieweé wide Judgmeet dated. §6.Q4,2€;}"I"1 wzit paetitiene were flied. by the erstwh iEe fienirai Bank ef Enefia wee had aziaiieei ef o%fe':eé Bank. The gzayers are sizeéiar :3 :_%::£'§e..:§1': Eu:_e e:i:ie:»1e"'pe:%f€;e.;?_:1§:ag ie Syneiieaie Bank which aise <:e;:::ie..:i:; }:§£e --v;a3g§:?2f;%"a:%§i§«%§;§z'..J§iég:EE€f}€ dated 8@.$462{}1 E. _ 9, Eearned Séztsgie éuiége {Ashe}: Béiézzchégeri J; } "'hfi4A"£%§:{::i,s2;r:1e:§f£v..--ideted 2LG4,?§@E1 gfieweati severe: efizher 'ésiféi; "~. KW e':§éi;e:':Ae*sfV'fiéeei agamei eeeieém Banks éirzeiaéing Vifiziierz Beak ei §:r.'§'éjy"i:"':1g fee qazaehéng figs Cigfczsiare éieqieé 2E,,E.2,2@S{} 311$ and fee' éeeéazieg that {he ggetiiioeere are emiétéed is \\\\\\ . R ........x§\\\\\\\%w § \\\\ excaafiing fiv€ }'€€":iE:"S subject is the cendiéion iha": 'aha {ma} qu3iii::?i::g gsmfice rezgdszvsd by ':26 §et£%:§<:>:1&§s '$_§é.;a1.E 1:0? in afijg €38.$€ sxcesd 33 years and @063 :20: iaiciie. %ey<::::d; the daié {if sugsrazznuaiien. The V' banks are éirecied :0 pay pensign bite ':§*:é'EL)-€%,*;i':i¥:;3:é:f':s*-V afier appijsing ifhfi same and the:=.A:er;€e%j$ :}':'e AA insefar as thfi $31338 éseprivad» the zi::{d i"I:i0::. :ye'é:;r;S:~ qualifying serafice are <§;1ash6':i:.""V«M, 'E§1e.. éffif arztétiad is §8.§»%f1'1§i'1§ of pj,cf*::3i0::.sé;i%:1fi'a;:€d 0§:tZr.:.e..7;j>a3is af aciuai gay fixed, §erSG':f;Q_A§ay;.j_':3.}:§é:t§i~9;§'%138.}? anfl Qiher aflawamces éifid e;:1:31:1:::V$:i';$.V:§;i%;a{:;:1 daring {he East ten :r:0§:i%ZE3fs _" s€§§=é}7iCe«:"'Na';::.,_.__§'rovided Linda: Reguiatians P.€i:fiSi817} Regulatiens 'isgethétf..?i55§.:hw.. "i"}€:::;;:;j::*.$siaiissvxragziite thereon and the resp$::ci«:e:1:_g.§A {he d:?ff€2:€1::1:§a,E 8j'flQ'é,1iQi af §€1'1Si$§'1 'égzé % "yams sf pengion :0 éhe peiitéaaers 0%; ':}§":a€;V '§:saé:f;s;'= ;ét3r_:§n a §e::i@d ef sigh: w§e§<:§,a :°::§»i;-?,ea:*§i€:* a::{{fi.i:€;___f%:E'1€ evem Q3" failzzre is mgke the ;:;,'3,§«':1:$g:.°': .é.§;.. é2:'::o25*§, the 'eafiks Shafi bé ii:-35338 is gag}: £i:":€:<:<;fi -22$"-.ih€.A'.T'§§::e 9%' E§% 9:: '$318 said amaunis féié éghfs €'£afI;é $5 ;3a;:;:%:'::.::€i 'ES. .. §:a.::ro::;§é be :'€ie%;a;i:§; ii; U_i'1§;€E'SC§I°€ ithaé 'ihéi {P323163 E::'€--i.1§a, E113 éafiian %§2z€:"'$€§.:~3 Bgnéi ggsé ?:f.r:€ §r:é:é§.::%. Bafik §?:V}%;V$é'§IE}§¥§§€fi3,€fE£€€§ {bye ggudgmafgt agaéisgi éézsm inasmuch as 2553:' 'f§:a3.5:éfma$ prskrrsé 33:}? apgsaés' E: 2%}? $4339 7536 feievani {G xxxV\\\\\\\\\\\\\\\\\\\\\\\\\\ "xx;-.x\-;;\_\\~._-:;&\-\-_.-\\KK-\-\-Q' \\\\ §....:
24$ Regzrziaiiezz 29 323$ pariécuiariy $L2b~regaEai;i$:: {S} thereaf, ihey (30335: have said $9 in the Schéme ii:sf§:'§'§.""T fifiez 3&1 muah theught had gage mtg the f9rm:3.E.a::§%;i:':L:4"V;~ sf REES 12960 amd £4; zzame 3:8 be framed aft-5%"
deiéberatéans. The axis}; prsvisiszz thast. <_:_0uicE §:{s;<r'é.';E3é€:fi_' in mind whfie presiding far pé.:f1$i§~r:A 'as..'p€f- ':'é"i;€L.___ Pensicn Reguia':}'o:1s was Re:g:_;1a:i0:?:.2--§, Qb9=;?i<37L:SZy,°'; éihe empioyees, tea, had ih€"'--vL.bj€:1efit. lei' 296:: in mind when ffghey,-&f:f€§:'.e'é~-, f0:r ve£13..:1§*£:ary retiirsment as aé;mitt€cEij;'-§"{e@1a€:i::::§{"'2V8.;as sxisted at ma: time; wasplct A_a:;3§_1é<:a;?*§1Aé,;._ Rene af Regulatigras Bfiféé' wags 3;:V::*éL<:'tcfE;'*:."' V» ._ 34¢ It evokeé, huge 1'€SpGi'}S€v§__§§1'§i§Tiji"'i:i;E.f}_I'§? ajaé 'fihen began ichs sec<::_r1d_:h($i;;gij:§i3;.,,%*:4 f§<;¢ fag and 9f e§era:tio:1 cf 'ms 239:; Va: {ha Vg::g;a::¢;{J'*a{k»:BA, the barzks pmpesed ame:3§;m€r:'£§;--3: t}:':¢ '§?<3::~3i€;::LVRegu1aii9::s 811$; 8. Circula:
.._;:a::=;e .»é:§:; ';§e i$s'Li5€'¥3«_§'s¥i, by that time; bafi haé gszze o§,A1:V;@_ :°' 5f 'aha empkyeesg @1383? ha& aizsaéy 1:23:36 i:%:£%vi;?._:§f§f€fEé«* Wh:§{:?:: "Jif€Y€ £f¥Ev§€a§i€; 32': was :23':
@§e§;..__€G :}3.t5:*:§:__ "is: wiihciraw the $55633 as §€z* specifii: '€':Qff1éi:'{§{}E'}a¥._§f'1€§i"§}{}I"&i€§ £31 ths Sshsme {afgbeii ééiis OER SE,€,»'Q?'?Za3€éE?" Ezaeéd éhaig effsr égazfifi he _' »§s;i?:;E:{§;*a:a?n %}€fa:°e a:::<:€§é;a:1e::€} and E33511' :3§§e:§$ wera VA ».a_;_:§'*;s§i€é and 319}; were reiieired, XXXX 156 reiéremeaé unéar €323 Fansien Rsgzziaiisns azid; ii: was bscaugfi sf that? that the Scéezzés did 3:9: emzésage grarzzting cf gengiefi bszzefits uader Regulaésn éhe ?e:::$1'an Regulatiansg E995, aisng payment Qf {EX gratis; which was 3 _.$f:§::-stsfiiiéai Z ameunt.
50. It is true tha: VRS i2€}{}@__;Zs Q"<;:§3iir:§E€V;§ ;j;;;2;§:.}§:§37§§ in iitssif and esntracéuai in r§é;=:ii:;i:"a& 1*~i<§ir;?€:§7'<:::9; if; that package, is: has 'Q6633 .§rsvi;i'<é':i'A'f§'3fi':L._._the 'évptaévé? in addition is ex gratia pé;j;'fna:;::?v sfigibie :0 athsi' benefits irzlier a1§&V-§3€§r:siQ::__'gifégiiéifi/:;§% ?ensia:':
Regulatians. §f§1"'€:>V1;4S§§:':'V "i:1VV'i the Fensian RegU;}a1:io:'1s=i' $5: " '§;§§:(3"<.é?L§f[.}.f§'V.."!;;?:?1.;:}'%iT:' R€§t,1:"i'r1g the operatian af 'R/"RS,--2-GQ§3'~;§<fi*::§§rI;i§:gV'\r:€§E'unt5:'y retiremen: was Reguiafiévgn.'2? é;f2a:§_»éu}:}?'r§§g"£;19ufi§an (5) théreof prearégies fa: mfeégfitggeéé fffiif: }7€EE'8 E9 §U&lif}'ifig s€ras'ice__ f0:' §ig €:ESi:*3I1 '. :5 {E1036 Qptees wiw haé "'.._;C@::1§:§'&:¢§§ 2,3 jyé's;;"$.'.....$'e:ViC§§ 3;; Eh€?e§0f€} canmei be *__Vai:§€--§:§:e<iA_ ZEEGG {Bid 1529: erzviaage gran': G5 a§:zfie:' Reguiaiiazz 29:5} 9%" $333 ?e:':s--§,<§2"1 f7~?:€gf:;:§$€:§m$, 399%; is 33% Ci§§Z€€S C2? 20 years! V§f8i."i?i{f€ '~::if3'::3g 2K;i:':§:1 paymfizzz Sf 55; grgiéaa "AV_V$';§;"AThe 23531926 iziga bzéngézzg $11.': V33 ZQQQ was VA *:_§__§':%§E:t sézs wsfkfefce zarhiséa 31$ bagkg had met bfiem ufafbie {(3 achiéve éaggiée the faci ihai '£336 gt;-ejizgtasy i-EE:§€}r{:€:'f1€§:§ cf éhé $323333 E1: 3:136 Scheme 'i:}:;a__i:
§1'@Vi§$?S £118.: £116 Gpiees WEB bfi eéigébis for §€:f:«i%?§_:{is:T}» '~v. zgzrzéar €136 Pension Regufzafiams, §§9§. g%cs9:;i'i:§gj_~§.§V5 'sham, ihey are szltiflsé :0 the banefits Qf
295), E33 our senssiéereé view, ;>§ea.--.Qf devoid 0f any subsstancg; as a mét*:€:_'C£f fé:<:'§'§_€ ':£0éL_$~. °7.A net arisa at 3.33 in the facts an-:3 <:1?rc'é;:é;:i::%tawn<':Vré':i.,&:éfjhéé €9.36.
66. We hslé, as it s'§§f:.§VE0yees whc had cemgietgd 2Q §,z€a:*s.. isetvéifig gensien opiees and cffefifgi-.'vo§%;:'::a:"}:; hfef:;£19é'1::er;t urzflér VRS 203$ and by the banks are en':ii3edT,'i_:;'5 yearé sf notionai service in calcfiigtinv _§.§fv..*3é:§:fice fa}: time geuypeses of that Schéizgg' as 295} af the Peimisn §eguEa;i_:if@::s3 "'-E§95{;."f§y; Véifiziirayy §:§€32VS exprassefi by
---.$§m§'i::f V§~iig}A:""£*i>_:_3.:'vis d0 :10: Ea}; ééswn. ihs Gaffes:
E5 iaé, :;§iti:f:%;:,A."'*~.V ._ 3 ? . ._ E?) . H Q5'; p§ :?:;{§;:%ii 1's1f §!§§li3I§§&$ makes £2: §::anifes;fi§:* dear 3:323:52 _ §,::;gL:::s1e::.":$'3_aé§;r€s3€§ 'a::s§@3:e as da fiat raise any 336% g%:@:§n2:9:?§ V Eézzeeds 52% be empizasizeé 323;: Puziagfab ?§&:és::a§ Ba,:::%:§ "§'i*;::1_§é;?§ arzd Smé Eflfiéég Ears}; sf Egsiéag ééazian 39313:; 3? mafia fififi ' U:1;Z:_§e}£ Bank 3f Enéisfi aéi $5 "Wh{,%§IE Wf::€°€ §8£iZi€S £32 Eeiafigfifiag W...
um um 33.1339: flfiii' ':36 pefmétéfid {G psegg the Safize paémg if: these Agipeais, as Ezafi best: rais&é and pm:2{}*;.::::1cs§. ugesz by £:§fi€;--.£p€X Cauzii in Ifiialzandas; Q1' even fresh and nsva: gr@und$..~22?h_ic§_*:' :*::}é;;&<i Eiavs been Coiéienéefi Eu': were ms: 30 dame in prgxfieus-.§i:iga¥::c§:V cuiminating in Mahandas. Pieeizemaai gayzd_As%:a,ggeié*§::i--._a:'gsg,:f:§§§,s are anafiiema :9 law. The arg:1,:nen€'._fh'ai §v5§S'L» fiiS?:i.I§1C*i". fmm Parisian Rsguiatiang'=.. x:i>§§S :i;<5.. f.;,:a§ihy cf cenaideratian, it having an fi guiad upan by the figex Ceurt, Asuch tantameunfi to judiciai infiigsifilizéjéii/r; {hat having Eecsived Eha b¢:;_¢i:i:.Vfj§7" increased salary in terms of the §e:i%:i01':e:'s am preséudeé fre::1":';3,:i:'ii:': g' Fazgsiers Regulaiisns E9§S as {h$ v$:.ai':l€ ha 9:32; by a Larger Bsnch Qf thfi suggzemg atgugt ::m*:%:~ that in Eishanéas.
13; A §37'*ci:='i§%:4%::*; ssvemi 'Sanka W¥:1s:> 1?'J€§"'€ fig: p&§"§§.fiS in "";i§é:V§1a_;z5:':§g;$ ¥'€E$Z'§:€E":§jy" argzgaé Ema: 'EERS 233$ haé the .:%:afg3;¢:${§§$fi:$ sf 8:': '2£2':m?%:a,%:£<:::*: :3 @§;%:" grid ':10': a cezztzasi. We 3;::':3:':::f}.%E--5§&:*3zgade::?; ii: 3:213 Eaagtg, fer $38 Siéfnpie rsasea €223? a i:;¢:::i?§p?'§s"%€d aziid; ézzferasaésk ajemiyaci 3:*:"t:@§g€d 9:2 ihfi ac$e§':a:3s$ *wi§iE:§u: jairéséicéigéz, K)':
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Siggefanmzzatiefz was 335 years; IYSQSKCQSSS? '£36 Arbiiyazer had fixed ii 8;: 58 yesyss Aftsr fiisczissiag {Es fi€CiS}:Gf1S {€313 Maneek fihmvk S§iE"13"E%Z'Eg anfi Vxhzg Lifi ~Rfs_ T fisseciatésm AER 1%: SC 86?' and Hindustan. l:;:;§L --Lv::'%*' Workmea, AER was SC 1332} the .apa;§; cm, ?s:;:3,;¢:§ Award; since it Qrdaissé {he age;.T'9f su§s::gir1z2:;:§;iirgn:4_:0 :}b€ 58. years, santrazgr to :'é?.e statutery L4L';2%f§i3_¢_r%§fi:'a%§§;_ §f 1'55 yearse Théféffifé; we are zgnabla :6 which 'aha éecisian sf the TW0 Jvidgs C9§p<;:"ati§n§ AP Liég «Vs» 9 Su§r$§1e CGL3.f'E C3363 623 C31} Bafiks in 2-flaw 31? {Z93 authoriiiéfgiivs; {:0:r:S':itu'€,i<:»:3 Banach :1 New Mazzeck Bench in §'ii:1§'i1Si31'1 ifimgs' ;?§f§%£'é '3hc:@§_j..a,§3s3 yefar £9 AC6 393$ -~Vs~ Sévgn Fiéflai? 2AC§:2:f1: Cases 656? Csmmenifg; caiiad the ""2;*-E;$::::'*::»z:§<: <5é:ii3i_:"g machinés saga: whereim it Eras heéd that $36 :5? ?:E§§.5E;§eCEi@3;: CG§i'E§i'E§SS§GEE fiéracténg ihfi aaazéag §f éaéigis E3§» :€§€Cifa::i€: akmiifig maahins in same paiéiag giatéezzs wag 3:: éfaai Caiéfifififiifizl Q26 C€}2.ZiET"{ wag iafieé E56?
E}.§€§§'} te Qangidér the Cfiélifiniififl flag: the ajspellamt canfiidats gtaeé €S§0pp€d Eran: chaflerzging the empiegrmsmi of ghzaiésngeé mscfiazzicai pracess, inasmuch as ha had 12$: ep§osé:«:i..§i: was iaiiiaiéy maaied. '§he Court G§iI1€§ that iifi/?S_A€4§.':"§ iE:<ififi4a{€fi:%lV and igmzrable that the appsflant had §1 e. 1:213: was held, befere £f1t:9du«:::ierjz* ijjf 'thé..§}{;fii::gTV»r§i;f;§::E;iz1§s agreefi EQ their 1136:; solely $31553." shat fgfééééssvfg was 230%, permissible 91* autherized by Eapfis"; the §:'if:'i:_i§:.€:~S_ af estoppel wsuld ihersfare :16': have came im:o.pEay., '--?§1;P} "Sa§€.is;g%:0i§a1'1 ~«~Vs~ Faod Cergoratien of §§1d§_8L; { Cases 301, it has been reiteraiej' carmot E36 issusd in darogatian cef 1'-.f;_he_ £12 a similar situatierl in Dr. Ea3€:2::?;€§°A Puzzjabfi {£2301} 3 Suprame Coigri €ase3:44§&§L2, hgvé zeitaraizeé iéfiai "the seitéefi §a$éiic3:f1 ef_ §;%E%*«.%:':>§""iE:a€ Bi} gavernmefii eyéezz rzsiifisaéémi :31" 1js:f_,iz*C:,:%e;:* '§f:s§:;::?7bfe' '$93-.S;§}?21§S?Z;§éi"£€3 af 'aha gtatagigry mjfig framgé with é:§:§ :;:.1:%:hGE§¥§§:..§f};a.:>v". E§€C9§'C§iEf'3.g§_}fi am 355 §§ téie sggizséazi ihasé: 37: is ?§1;fr;.§€::::§:LTss1]§'i'.§.E_fi fa? am}? gafifg ':3 'égrzgye {he Pansiarz Rsguéaetéans "§'§}9§*'a3§:é creaié a ssmpaiifig :*egi:2:e :0 2%.. The §E8§{Z.,E§Gf}' j§3i§:g{:;§gi§@nS Siiazzéé §13f:?'€ 3386?": a.me:£':&€d ':3e§$r& Size VRS EGQCE 'ififfifi 159 feeezai: is cemmen ta 3.2} Banks} save is: the chaege cf the name ef the Ernpisyer, Sig1'1ifiee.:1i}};§ the stgceeeding paragggfe-;;Z3.f:§,,A4ef that Very appiicaiion etaiee - "E aise seek z2eiun:2.:;T§"y Zifidé?' Regulaiierz 29 of Vgiazya Bank» Regulaiiens; Z 995 and request the Con{g3e€e_§ii' the requisite netice ef ihree rrgofiiltzs fer' eeefszingj"eeZarz£a;,rjg.' retiremerzi under the said Re$gz2Za€iez2.suf?"Lv._ Er; theSe--p:e,;1:1iees it is iegaliy impermissibie azzé '4.: §;ppe}iant~Banks to accept ehis "irrevecebie efieiicatien seeking voiuntary I'E§t3:T€fI:§E§}3:'i::;__V .' a subsequent Circuiar af the ierrns cf which are detrimental As already commented upen by ':he §::g:sre::V:i'e- the Banks were apparently as§£:'eL1:f;é.eg§»:L" ?:§_1e §if€§.'«:§T'§f:$§;II:iI1g resgense is the Specie}. Veh::3:e;."€,'§?" -Re;%t2::'e::2;e€*:é:_ Scheme? ezaé as e eezzsequerzceg weze 1 '€§e.eire:;s" .e'f'%&§;§§:2::§:;5£..e1'i:he iezms eeeéaieeé in iheiz izzzeitatieza is _ _e£fe:.' The eniéee greases eirmzzié. have eemmenceé ezzee egeéjzz if §e::::e'"§ee§e is be geieeeé ii: eageeiééuiiefi ef the izziiiaé ezzeeg .i€e"ée '%:e:*::e;§:;§§' eezzeeéésefieie iézei the Fetéiieezere zeezzid rzei have fer €3§'£§ es. the reeéeigg efferefi iermsg ibis ézzieeezzee ears: 'fie $63 jgear5~;, §i)€§W'€€3'E fix: téms Wham {E16 ?e¥:£ii<;~:'::€:'s Ezad jE"€§iE"'€C§ agé whsn tbs agnendeé Reguiaéiaizs wears zeverseég 'ihif saigzggéésxiiéan contizzueé is 'vague: {*5 36655128 to us fiat REES afferedg ex graziig e§:{:., which is W33}? 53: was feuf::i'v~3:i:ré;'c:ixf$ 233$}.
thersfere acted upsurge
23. Laarned sewage? far Evijgsgre has tried, we iihizékkizg va?;:'1§','-- %,@ 4:a R:5:A refuge Vfvbshimd €113 ebssrvatéans rnadé in Bank G? ~E'f;fi§'a':'§:'V s«_:TVSA®fi_:i1akar, QQG3} 2 Supreme C3111": Casgs' KJVEQQE: here bsisw:
"48. iiafionalized bank may r:otvV'e::}a§;;.§:"::: £'§V§i§;Vi%1;S'§?.'V1é;S és«'€,E:'é::'é:;a$e Q5 gevsfzazzzszzi empiayées 'Gr aaiherities whase terms afié CGE}:§:i§'iFQfiS are geverzzefl by "she Céastiiutigsrzafi §3,éfGv£s:£é'n é3;1d/ 9:" the statuzes and iha 'VV'$:at;€i;j%r§§A--.§°:;}¢s; §%:;i'"';;E*:ar$ is :26 ga§nsayi:1g ihai €315 Iiaéiamafized banks $:13T@§J Seczéritjg Sf Se far $3 fine s:':é§i§};€e$ Q}? "Q26 S"i8§£$'««._B£3;VT§:"i'§'s';.;5§{«%AEfifiia SE6 C€:3§3C€Z'§1€fi§ ihsiér i€:"§1'1S azigé
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