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Punjab National Bank reviews first appeared on Complaints Board on Dec 23, 2007. The latest review regarding transaction of rs. 1970.00 was posted on Nov 22, 2018. The latest complaint not working in txn time was resolved on Dec 26, 2014. Punjab National Bank has an average consumer rating of 3 stars from 53 reviews. Punjab National Bank has resolved 22 complaints.

Punjab National Bank Customer Service Contacts

1800 180 2222 (Customer Service)
1800 103 2222 (Customer Service)
1800 180 2345 (Credit Card Helpline)
1800 180 2223 (Balance Enquiry)
+91 120 249 0000 (Customer Service)
+91 112 804 4907 (Customer Service)
+91 120 461 6200 (Credit Card Helpline)
+91 120 230 3090 (Balance Enquiry)
Plot № 4, Sector -10, Dwarka
New Delhi
India - 110075

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Punjab National Bank Complaints & Reviews

Punjab National Bankregarding transaction of rs. 1970.00

I have payment of Rs. 1970.00 for electric bill for KESCO Kanpur, for the month of October 2018. Amount has been deducted from my bank account no. [protected] Syndicate bank, Sharda Nagar branch Kanpur, Uttar Pradesh, IFSC Code-synb0008698. The above amount not received by KESCO Kanpur, neither such amount has been return to my bank account.
Please consider my complain and do necessary action accordingly.
I am sending transaction receipt.
Dinesh Kumar
[protected]@gmail.com

regarding transaction of rs. 1970.00

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    • Updated by Dinesh2771 · Nov 27, 2018

      Please update me about action in my complaint.

    Punjab National Bankmy loan account shows negative status on my loan account

    Respected sir/madam,
    I am your account holder bobbadhi narasinga rao my account number [protected] koraput branch. Sir I am taken personal loan from your pnb bank I closed my loan account on 01/07/2018 I requesting you sir my cibil score status is nagitve shows over due 5 months sub stand this nagitive status on my loan account I didn't take any loans and credit card because of this nagitive status so please kindly remove on my loan account.
    Thanking you sir

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      Punjab National Bankcheque case not disposed off in standard period

      The Manager, Punjab National Bank, Tinkoni, Bathinda, Punjab, India. E-mail address: [protected]@pnb.co.in

      Hon'ble, The bank is delaying beyond RBI provided standard period, not cashed the cheque in my account # [protected] nor disposed the matter by issuing reply what are the valid reasons not to cash my submitted image based cheque on Sept. 27, 2017 with every detail as directed me to get submitted. I've attached photo of cheque, application, details herewith.

      As we all know, hon'ble PM of India dreampt India as a digital India by introducing various online means out of which one is RBI online image based Cheque-Trucation-System as reference thats rules and regulations copy of 50-pages has been already delivered in the bank on Sept. 27, 2017 with cheque.

      In case attached non-home cheque image found suspicious, the correct instrument is to be demanded from the member bank as per CHAPTER-VI Para no. 6.9 and in case any difference arisen the same is to be reconciliated as per pra no. 6.12 on reasons that cheque images is served online may be found 6, 50, 00, 000INR against 3, 35, 00, 000INR. Because, on reason that an agent e-mail id [protected]@live.in whose passport copy is attached herewith says that my this cheque is of 6, 50, 00, 000INR equivalent to 850, 000GBP whereas presentally 850, 000GBP are equivalent to 7, 91, 92, 270 INR it all makes suspence by delay and changes in exchange rate and interest dues, whether it may be true or not all on bank part.

      As below pasted e-mail issued by the bank, wilfully the bank by ignoring CTS rules demands hard copy of the cheque from me that retains the sender bank/money sender party:

      "bo Tinkoni Chowk
      To:[protected]@yahoo.in
      23 Nov 2017 at 11:15 AM
      Sir Please provide us Hard Copy of the cheque which you have been attached for credit.
      Manager Tinkoni, Bathinda"

      Therefore, for till date harassment against RBI provided standard period under appropriate action I'm to be compensated at least 20, 000INR and my cheque case pending on bank part since Sept. 27, 2017 is to be get diposed off with valid reasons.
      Complainant, Gurvinder Singh, E-mail: [protected]@yahoo.in Mobile 0091-[protected]

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        • Updated by Raja Raja · Sep 11, 2018

          Sir agent passport copy as mentioned in complaint description is missed in published complaint, kindly consider as proof document it is attached hereby.

        • Updated by Raja Raja · Sep 17, 2018

          Sir ommitted attachment is to be read with main complaint sent herwith.

        Punjab National Bankcash withdrawal in atm of abu dhabi in madinat zayad mall / dirham 1000/- withdraw

        Sir/Madam

        My account number in Punjab National Bank is [protected]. My sister withdraw money from ADIB bank ATM in Abu Dhabi at Madinat Zayed Mall but money she has not received. I was debited for the amount.
        Date of withdraw 5/4/2018 for Rs.17878. Dirham 1000/-.
        My debit card number is [protected].
        Please give credit the amount in my account.

        Parveen Shekh
        [protected]

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          Punjab National Bankcustomer service

          Dear Sir,

          Again and Again... when I visit branch for money transfer to India, the customer service is really WORST, they don't bother or care who comes in uncles you go and tell them, some times when u go and tell them this is what you want to do, they send you back sir and never bother, THEY KEEP TALKING AND TALKING AND TALKING, I don't know they get money for to come in and talk or work...

          VERY VERY POOR SERVICE...
          CHANGE THE STAFF PLEASE

          customer service

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            Punjab National Bank — complaint against punjab national bank officer

            Respected sir I beg to say that i, rahul, gave the amount of 420/- to bank cashier sanjeev kumar  a...

            Punjab National Bankpnb banking service

            I have opened a current account No [protected] on 18 Aug16 in PNB Nagrota Jammu for some purpose. Since the purpose was not met the account was not operated. Rs 1150/- was debited to my account on 08 Jan 17 and 02 Apr 17 respectively as QAB charges which is illegal/wrong since no adequate prior notice was given to me. Even no SMS was received before/after making said debit. It was only on 05 may 17 I got first SMS regarding average balance in my account is below minimum level. I have lodged complaints through email with [protected]@pnb.co.in and [protected]@pnb.co.in as well as visited concerned branch but Rs 2300/- has not been reversed back to my account. It is case of deficiency of service by the bank and levying of charges without prior notice to the customer.

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              Punjab National Bankcomplaint about one of a/c holder shri kuldeep whose a/c no. is [protected] has acct in yr pnb branch, sahlawas,

              A person whose name is Kuldeep business partner of Shivani Oberoi has a/c no. [protected] has acct in yr PNB BRANCH, SAHLAWAS, The ISFC CODE of this branch is PUNB0311500 has account no. Is [protected]. This person with Shivani Oberoi has doing escort business to provide male/female to requires & for that purpose, they are collecting money in this account & afterwards receipt they block conversation with persons whom deposit amount in their account. I have full conversation of Shivani Oberoi partner of Mr. Kuldeep having account in said branch. Please treat their account blocked & lodge police complain on behalf of me as they also recovered Rs. 2000/- from me on today & I have all the proof for that account in which I transferred money by net banking SBBJon today.

              YATISH CHOPRA, UDAIPUR (RAJASTHAN). [protected].

              complaint about one of a/c holder shri kuldeep whose a/c no. is [protected] has acct in yr pnb branch, sahlawas,

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                • Updated by Yatish Chopra · May 29, 2017

                  A person whose name is Kuldeep business partner of Shivani Oberoi has a/c no. [protected] has acct in yr PNB BRANCH, SAHLAWAS, The ISFC CODE of this branch is PUNB0311500 has account no. Is [protected]. This person with Shivani Oberoi has doing escort business to provide male/female to requires & for that purpose, they are collecting money in this account & afterwards receipt they block conversation with persons whom deposit amount in their account. I have full conversation of Shivani Oberoi partner of Mr. Kuldeep having account in said branch. Please treat their account blocked & lodge police complain on behalf of me as they also recovered Rs. 2000/- from me on today & I have all the proof for that account in which I transferred money by net banking SBBJon today.

                  YATISH CHOPRA, UDAIPUR (RAJASTHAN). [protected].

                Punjab National Bankunethical behaviour

                We have OD a/c with your bank at Bhuj (Kutch Dist ) Gujrat since 6 year and enjoying best service till Date of a/c opening, but we facing problems since 1 month as cheque not credited in our account as stand in clearing for 7 days and more of hedge amount and in this manner when we approach your Bhuj branch we facing rough attitude of you 2 employee named (1) Ashwin Khobragade (2) Niraj Panda.
                Attitude of this both employee is not fit for a Bank like PNB. They not provide back those cheque who returned due to any reason and due to their attitude all customer are badly hardest. In this regards we approached your Branch Manager but also he is help less ageist bad approach and attitude of these both employee's
                Please investigate in the matter or allow us to change our bank .
                Anticipation of Your prompt action in the matter.

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                  Punjab National Bankbad user interface

                  Hi, I'm an account holder of Punjab National Bank. I was just using their Internet banking. What a pathetic user interface, really confusing. In the age of Digital India I cant except such a bad interface from a national bank. Since past few days I'm trying to change my transaction password, every time I'm trying getting a message.. "Host is not available. Please try after some time" Today I visited my nearest PNB branch ( Soro, Baleswar, Odisha) and explain details to the Branch Manager. I am shocked to know that even the branch manager doesn't know that the transaction password is different from the Log In password. I'm going to close my account my in next week. Its really a bad experience. Dhirendra

                  bad user interface

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                    The complaint has been investigated and
                    resolved to the customer's satisfaction
                    Resolved
                    Punjab National Banknot working in txn time

                    I am a customer of Punjab National Bank. Several days ago I opt for Mobile Banking of PNB. For the first time the Password was so blurred that it was unable to guess. I went to branch and ask them to try. After that my password activated. But When I using txn, it not worked.i repeat for 5 times nd only one msg snding to us ''Txn are not working, ur 1st chance has been gone, u have only four chance''nd aftr 5th chance, Yet same error msg.after that my password has been deactivated.When contacted on these numbers 1 8 0 0 1 8 0 2 2 2 2, 011-[protected] / [protected]. It continuously says The number is busy please dial after sometime. I'm also PNB STAFF IN gorakhpur, chauri chaura.and I also troubled to this problem. So plz contct me, and solved my problem.by which, I handle to Customer problems.

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                      • Ma
                        Manjunatha.C.N May 05, 2008
                        This comment was posted by
                        a verified customer
                        Verified customer

                        Please Cancel Mobile Banking Facility in my account. I try to contact bank people but they didnt response correctly. i dont want mobile banking any more. Please chk and do the needfull.

                        Thanks&Regards
                        Manjunatha.C.N
                        My account Number:-[protected]
                        Customer ID:-[protected]

                        0 Votes

                      Punjab National Bank — atm fraud & unauthorised withdrawal

                      From : Sri Nirendra Chakraborty Vivekananda Rd, Sreepally Palta P.O. Bengal Enamal Dist.North 24...

                      Punjab National Bank — abuse of authority & colourable misuse of power

                      Shri A.K.Dargan 01.11.2013 Circle Head (DGM), Punjab National Bank, Circle Office, Chanakya Tower...

                      New Delhi

                      The complaint has been investigated and
                      resolved to the customer's satisfaction
                      Resolved
                      Punjab National Bankpunjab bank accont transfer

                      requsted sir,
                      my name is uppala sateesh kumar,
                      I had open my punjab national bank account in jabalpur 4tech trg regt branch.my account no is [protected]. After that i was transfered from jabalpur so i wish to transfer my punjab national bank account to punjab national bank tenali branch.please transfer my account.
                      Branch Information
                      Bank : PUNJAB NATIONAL BANK
                      Branch : TENALI
                      IFSC : PUNB0398700
                      MICR : [protected]
                      Branch code : 398700
                      City: TENALI
                      District: GUNTUR
                      State: ANDHRA PRADESH
                      Address: CHENCHUPET, TENALI,
                      ANDHRA PRADESH 522202.

                      thankyou sir,
                      yoursfaithfully.

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                        Punjab National Bankrefused to reply under rti

                        “treating rti as a joke and making mockery of rti act, 2005 by cpio/faa of pnb co patna”


                        Shri p. k. jain (pf no. 43455) 03.09.2013
                        The chief manager (hrd)/cpio
                        Punjab national bank,
                        Circle office,
                        Chanakya towers, r. block,
                        Patna – 800001.
                        Email : p. k. [protected]@pnb.co.in ; [protected]@pnb.co.in

                        Ref: your letter no. nil dated 23.08.2013.
                        Reg: information under right to information act, 2005.

                        Please take reference of your letter dated 23.08.2013 through which you have tried to mislead the issue & intentionally refused to furnish the information sought vide my rti application dated 30.07.2013 by mis-quoting the order of hon’ble cic dated 18.02.2013 (in the matter of second appeal preferred by me due to your very casual & extremely unsatisfactory approach in providing information as cpio on my rti application dated 04.10.2011, seeking information on eleven points).in the above order cic has directed you to enable me to inspect the relevant files alongwith providing photocopies of the pertinent documents within 30 days from the issuance of the order. after receiving the order dated 18.02.2013 from cic, I visited your office on 28.02.2013, 01.03.2013, 05.03.2013 & 13.03.2013 for the purpose but no positive & conclusive response was perceived. when I met you on 01.03.2013 and handed you the list of documents not provided/incompletely provided, you (cpio) has assured and sought a time of 3-4 days for compliance of order of hon’ble ic. on 05.03.2013 your designated officer told me that bank has also received the written order of the cic and since ‘within 30 days period’ is still far away, so bank will call me (the appellant) later on.
                        That upto 13.03.2013 (5 p. m.), no communication has been released from your office either through dispatch, through telephonic/mobile call or through email, calling me for doing needful.
                        Lastly on 16.03.2012 I sent you an email (copy enclosed) at 8.45 am and visited your office at 11 am to get the files inspected and collect the photocopies of the pertinent documents in terms of cic decision no. cic/sm/a/2012/000594/vs/02170 dated 18.02.2013. on my arrival at your office, you told me that you are busy with the visit of one of your eds and instructed your assistant shri gopal krishna manager law (processing officer preparing reply of rti applications at the level of cpio as well as faa) to get some files inspected the same day and remaining on 18.03.2013, despite of knowing the fact that I would be busy with ibps interview board from 18.03.2013 to 26.03.2013. your manager law get one rti file (that too was without page numbering) inspected and provided me the relevant photocopies from that file duly certified by you. when I reiterated that I am not available on 18.03.2013 and will only be available after the conclusion of the interview of ibps mumbai i. e. only after 26.03.2013, you were agreed and told me that you will fix the date and time later on and will communicate the same to me for inspection of remaining files. I failed to receive any of your communication thereafter, it is height that whenever I tried to call you on your personal mobile number, by seeing my number you avoided to respond. even after calling from another number you say hallo and by hearing my voice you disconnected your mobile.
                        From the records collected from you, it is desired to get some vital & important information for which reference was there & to expose the malafide, the information is being sought vide my rti application dated 30.07.2013 which is quite different from the rti application dated 04.10.2011. if you don’t mind please it is your old tactics from the very beginning to deny, divert and intentionally delay in the process of furnishing information, as if, you are afraid of the fact that truth will come into limelight and persons guilty of conspiracy & malafide will be exposed.

                        You have informed under rti that the bank will depanel the advocate and also take action at bar council, when it was asked about the mechanism available in pnb for taking action against bank approved advocates furnishing wrong, malicious and fabricated information to bank. further you have informed under rti itself that no action is taken against shri sanjay kumar your advocate for furnishing malicious, fabricated and wrong information/reporting against me by reporting maliciously my case as money scandal and falsely showing himself as my advocate pleading my case before the court of law. is it proper and justified? is it not double standard? or is it to protect some one? or the reporting obtained from the advocate under coercion to malign me?

                        When you have been asked under rti to please furnish me the information on the complaints made to circle head punjab national bank circle office patna with following details:
                        (i) date of acknowledgement/response of my complaints dated 06.10.2011, 15.12.2011, 02.02.2012, 25.02.2012, 29.02.2012, 04.03.2012, 10.03.2012, 09.05.2012, 20.05.2012, 09.05.2012, 21.06.2012, 18.08.2012 & 16.10.2012.
                        (ii) final response on the above complaints.

                        You replied that your complaint section has informed that they have not received any of my complaints. can I have not a right to know about what happens to my complaints duly receipted at you office?

                        When you have been asked under rti severally to please furnish me the information on the reason about “ under which regulation or act sanctioned amount of my commutation of pension amounting rs. 708792.00 has not yet been paid to me”. all the times you have preferred intentionally not to furnish the information and keep mum. can I have not got a legitimate right to know about the arbitrarily & illegally withholding of my sanctioned amount of commutation of pension amounting rs. 708792.00 without any authority and beyond jurisdiction since 01.10.2011?


                        You are fully aware of the fact that under criminal conspiracy pseudonymous complaint was generated and lodged against me and without identifying the complainants, without verifying own bank records, without hearing the employee, grossly violating the bank & cvc guide lines, falsely and malafidely reporting my case to ho as money scandal and defalcation of money in making payment under loan schemes, instructing ho pf & pension department to withhold my commutation of pension already sanctioned without any authority or jurisdiction under your signature as chief manager, further it was falsely reported to ho that your advocate sanjay kumar is conducting my case before the court of law in the proceeding against me, can I have got no legitimate right to know all the above universally untrue facts & have got no right to expose the culprits?

                        Therefore keeping in view the objective of rti act, 2005, for promoting transparency and accountability in the working of an organization/government, the information is required. you are once again requested to furnish the correct and complete information as requisitioned without further delay.
                        Please acknowledge.
                        With regards.

                        (s. m. masih-ur-rehman)
                        Ex. senior manager, pnb, circle office, patna.
                        Pf no. : 31332
                        email : [protected]@gmail.com ; [protected]@ymail.com ;
                        Address: chand colony, khagaul road,
                        phulwari sharif, patna - 801505.
                        Mobile no. [protected].
                        Enclosure : my letter dated 16.03.2013 to cm (hrd)/cpio, co patna and rti application dated 30.07.2013.
                        Copy to :

                        1. the ch co patna [email : [protected]@pnb.co.in ] /faa under rti act to intervene into the matter and instruct his cm/cpio to furnish the information without any excuse or the worthy ch/faa himself may please provide/furnish the correct and complete information in the matter please.

                        2. the cvo [email: [protected]@pnb.co.in], eds [email: [protected]@pnb.co.in, [protected]@pnb.co.in, [protected]@pnb.co.in], cmd [email: [protected]@pnb.co.in] punjab national bank, ho: 7, bhikaiji cama place, new delhi for intervening into the matter, for getting the applicant correct & complete information. they are also requested to be aware of the drama staged by the corrupt authorities of co patna and definitely to have a check on them so that in future no dedicated, devoted & honest officer will be targeted, harassed, humiliated & victimized.

                        3. the chairman, national commission of minorities, 5th. floor, lok nayak bhawan, khan market, new delhi – 110003 for information and necessary action please. [email : [protected]@nic.in ; [protected]@nic.in ]

                        4. the chief vigilance commissioner, cvc, satarkta bhavan, a-block gpo complex, ina new delhi - 110023 for intervening into the matter, for getting the applicant justice and for taking action against the bank officials for intentionally, malafidely & grossly violating the cvc guidelines. [email : [protected]@nic.in ; [protected]@nic.in ; [protected]@nic.in ; [protected]@hub. nic.in ; secy. [protected]@nic.in ] complaint regn. no. 24017/2013/vigilance 3 at cvc, new delhi

                        5. the chairman, national human rights commission, faridkot house, copernicus marg, new delhi -110001 for information and with request for intervening into the matter to get the applicant justice [email : [protected]@nic.in ; [protected]@nic.in ], in continuation of my complaint registered at regn. no. 3010/4/26/2013 at nhrc, new delhi.

                        6. shri vijai sharma, information commissioner, central information commission, club building (near post office), old jnu campus, new delhi -110067 [email : [protected]@nic.in ; [protected]@nic.in ; [protected]@nic.in] for information please.


                        (s. m. masih - ur - rehman)


                        Non compliance of order of information commissioner (shri vijai sharma) dated 18.02.2013 till this date.

                        Smm rehman [protected]@gmail.com

                        mar 16


                        To p. k. jain, jkgupta, bcc: vijai. sharma, bcc: icvsmonitoring, bcc: sharma. vijayk


                        Shri p. k. jain 16.03.2013. doc
                        29k view download


                        shri p. k. jain 16.03.2013 (8.45 am)
                        the central public information officer / cm,
                        punjab national bank,
                        circle office, chanakyatower, 2nd. floor, r. block, patna – 800001.
                        phone no. [protected], [protected]; mobile no. +[protected];
                        email : [protected]@pnb.co.in;p. k. [protected]@pnb.co.in


                        Ref: decision no. cic/sm/a/2012/000594/vs/02170 – appeal no. cic/sm/a/2012/ 000594/vs, order of information commissioner (shri vijai sharma) dated 18.02.2013.
                        Reg: non compliance of order of information commissioner (shri vijai sharma) dated 18.02.2013 till this date.

                        Dear sir,

                        It is shocking that despite of your commitment before the hon’ble information commissioner during hearing of 2nd. appeal through video conferencing on 18.02.2013 that you will provide all the information as well as get the appellant inspection of relevant records alongwith providing certified photocopies of the pertinent documents, needful has not yet been done.
                        I visited your office on 28.02.2013, 01.03.2013, 05.03.2013 & 13.03.2013 for the purpose but no positive & conclusive response was perceived.

                        When I met you on 01.03.2013 and handed you the list of documents not provided/incompletely provided, you (cpio) has assured and sought a time of 3-4 days for compliance of order of hon’ble ic. on 05.03.2013 your designated officer told me that bank has also received the written order of the cic and since ‘within 30 days period’ is still far away, so bank will call me (the appellant) later on.
                        That upto 13.03.2013 (5 p. m.), no communication has been released from your office either through dispatch, through telephonic/mobile call or through email, calling me for doing needful.
                        I called on your personal landline phone no. severally and on your mobile no. lastly on 15.03.2013 at 3.47 p. m. but failed to get any response.
                        Sir, since the ordered period of ‘within 30 days’ is going to lapse on 17.03.2013 and thereafter I am also not available from 18.03.2013 upto 26.03.2013, it is requested that the needful be done today itself i. e. on 16.03.2013 for compliance of order in true and honest sense from your part.

                        With regards,

                        Yours sincerely

                        (s. m. m. rehman)


                        Annexure “a”
                        (see rule 3)
                        Format of application for obtaining information under
                        The right to information act 2005

                        To,
                        the public information officer / cm,
                        punjab national bank,
                        circle office, chanakyatower, 2nd. floor,
                        r. block, patna – 800001.
                        phone no. [protected], [protected]
                        email : [protected]@pnb.co.in

                        Sir,

                        subject: request for information under right to information act 2005.

                        1. full name of applicant: s. m. masihur rehman (ex. sr. manager)
                        2. address : chand colony, khagaul road, phulwari sharif,
                        patna – 801505.
                        mobile no. +[protected]
                        email : [protected]@gmail.com
                        : [protected]@ymail.com
                        pf no.: 31332

                        3. whether a citizen of india: yes

                        4. details of information sought:
                        A. nature of information sought : a) life or liberty of the applicant.

                        B. type of information required : a) copy of documents
                        b) other information
                        c. whether the information sought relates to third party? no
                        d. specify the particulars of information required:
                        please furnish me the following information: (a) & (b)
                        (a) :
                        1. I filed complaints for release of my sanctioned commutation of pension/ provisional pension amounting rs. 7, 08, 792.00 and sanctioned amount of gratuity (payable under payment of gratuity act, 1972) w. e. f. 01.10.2011 lastly vide letter dated 18.08.2012 & 16.10.2012 duly receipted in the office of ch patna & o/o of cmd. I have made written requests earlier for the same also. please tell me the daily progress made on my requests so far. i. e. when did my application reach which official, for how long did it stay with that official and what did he/she do during that period? (copy of complaint letter dated 18.08.2012 & 16.10.2012 enclosed)
                        2. according to the rules, my grievances should have been redressed in maximum 3-4 weeks time. however, it is more than one and half years now. please give the names and designations of the officials who were supposed to take action on my application and who have not done so?
                        3. what action would be taken against these officials for not doing their work and for causing harassment to the public? by when would that action be taken?
                        4. by when would I get sanctioned payable amount of my commutation of pension & gratuity along with interest, penalty and compensation?
                        (b) :
                        1. two complaints dated 08.07.11 & 12.07.2011 of vivek rahi & ilias hussain (ficticious persons) respectively were sent by cm pad ho vide his letter dated 15.07.2011 to co patna.
                        (a) please inform that when & by whom the said letters have been received by/in the o/o ch patna?
                        (b) when and under what s. no. the complaints so received from pad ho has been entered in the complaints book of customer care centre looking after the complaints?
                        (c) please inform from which of the complaints or letter of pad ho the agm/ manager (law)/dgm derived that vakalatnama from pnb bo: punpun is required and the manager (law) desired to visit punpun and masaurhi and the name of authority for allowing him may also be furnished?
                        2. according to the rules, after the receipt and registration of the complaint the verification of genuineness of the complaint is done by any of the following methods:

                        1. addressing the complainant a letter through speed/registered post, asking him/ her to confirm, within a specified time limit, that he/she has made the complaint.

                        2. by deputing an authorized official to personally contact the complainant and obtain a written confirmation to the effect that a complaint has been made by him/her.

                        3.in a case where the complaint is received electronically vide e-mail/web based feedback mechanism, the complainant should be asked to disclose his/her verifiable details regarding name and address which should be subjected to verification as prescribed in para 1 or 2 before taking cognizance of the complaint.
                        However, if any department/organization proposes to look into any verifiable facts alleged in such complaints, it may refer the matter to the central vigilance commission seeking its concurrence through the cvo or the head of the organization, irrespective of the level of employees involved therein.
                        Please inform categorically that the above guidelines have been adhered to or not. if yes please furnish the detail. if no, why?, please also furnish the name of officials responsible for violation & what action would be taken against these officials for not adhering to bank guidelines?
                        3. in terms of cvc guidelines on anonymous / pseudonymous petitions/complaints the circular no:98/dsp/9/cvc dt:31.01.2002 is as follows:

                        subject: improving vigilance administration–no action to be taken on anonymous / pseudonymous petitions/complaints.

                        The commission had reviewed the instructions regarding action to be taken on anonymous/ pseudonymous complaints and observed that the enabling provision in the dopt’s orders no. 321/4/91-avd. iii dated 29.09.1992 had become a convenient loophole for blackmailing and detrimentally affecting the career of public servants whose promotions/career benefits were denied owing to consequent investigation.

                        Considering all aspects, the commission by virtue of powers invested under para 3 (v) of the ministry of personnel, public grievances & pensions, department of personnel & training resolution no.371/20/99-avd. iii dated 4thapril 1999, had instructed all govt. deptts./ orgns., pses and banks not to take action on anonymous/ pseudonymous complaints. all such complaints are to be filed vide cvc’s instruction no.3 (v)/ 99/2 dated 29th june 1999.

                        2. however, it has come to the notice of the commission that some govt. deptts./orgns. and, in particular, banks are not complying with the cvc’s instructions and have been taking cognizance/action on anonymous/pseudonymous complaints. very often, the content of the complaint, described as verifiable, is used as a justification for such action. the instruction of the commission does not permit this line of action.

                        3. it is hereby reiterated that, under no circumstance, should any investigation be commenced or action initiated on anonymous/pseudonymous complaints; these should invariably be filed. any violation of this instruction will be viewed seriously by the commission.

                        Please inform categorically that the above cvc guidelines have been adhered to or not. if yes please furnish the detail. if no, why?, please also furnish the name of officials responsible for violation & what action would be taken against these officials for not adhering to cvc guidelines?

                        5. whether the applicant is below poverty line: no

                        6. brief facts leading to seeking information under rti act :
                        keeping in view the objective of rti act 2005, for promoting transparency and accountability in the working of an organization/ govt. the above information is required. I confirm that the information are not come under exempted category either under section 8 (1) (e) or (j) of the rti act, as these information relate to the affairs of public authority and not in relation to any individual in his personal capacity.
                        7. I assure that I shall not allow/ cause to use/ pass/share/display/ or circulate the
                        Information received in any case and under any circumstances, with any person or in any manner which would be detrimental to the unity and sovereignty or against the interest of india.

                        8. detail of fee paid: postal order for rs. 10/- in favour of cpio, pnb, circle office, patna bearing no. 1 8f 138769 is being enclosed.


                        Place : patna
                        Date : 30.07.2013 signature of the applicant

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                          • Raviyadav08631 Aug 16, 2016
                            This comment was posted by
                            a verified customer
                            Verified customer

                            sir my grand father dashrath singh vill.phutatal auraiya uttar pradesh has retired employed in your bank of the post security guard. they have taken pension many years in his acount no.[protected].but suddenly stop the pension in December 2014 to August 2015 and after started the next month pension but 8 months pension off so I want that previous stop pension sent the next month..thank you. Mo.[protected].

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                          Punjab National Bankillegally & malafidely withholding of terminal dues

                          "Illegally, malafidely & Whimsically withholding of my sanctioned amount of Commutation of Pension & Gratuity by the authorities of Punjab National Bank Circle Office Patna & PAD HO New Delhi - abuse of authority & colourable misuse of unaccountable power under the worthy chairmanship of Shri K.R.Kamath".

                          The Chief Manager 24.08.2013
                          PF & Pension Fund Department,
                          Punjab National Bank,
                          Rajendra Bhawan, Rajendra Place,
                          New Delhi – 110008.
                          Email : [protected]@pnb.co.in

                          Ref: Your letter No.Pension/31332 dated 12.08.2013 & my letter dated 22.08.2013.
                          Reg: Shri S.M.Masih -ur-Rehman (PF No. 31332) Ex. Senior Manager retired on 30.09.2011.

                          With reference to your above letter addressed to Chief Manager, Circle Office, Patna (Copy endorsed to me) informing there in :

                           “ As per our record, we observe that a criminal case was pending against him before the CLM Court Patna and judicial proceedings were in progress”.

                          My Submission : “ Sir, your record is untrue, false & baseless. It is to inform & confirm you that no Criminal Case was or is pending against me before CLM/CJM Court Patna and therefore question of judicial proceeding in progress does not arise”.

                           “ Terminal dues in terms of Regulation 46 of PNB (Employees’) Pension Regulations, 1995 were settled. Gratuity and Commutation of Pension shall be payable to him on conclusion of the proceedings, subject to conclusion of the proceedings”.

                          My Submission : “ The Bank is withholding my two terminals arbitrarily & illegally with malafide intention just to harass, humiliate and victimize me under abuse of authority, colourable & unaccountable exercise and misuse of power. The two terminals are :

                          (1) Gratuity regulated & sanctioned under the Payment of Gratuity Act, 1972 vide CM Circle office Patna Sanction letter dated 30.08.2011 for Rs. 10 lacs. The same was settled and paid by your Department vide letter No. GR/ 9 -31332 / set-1 dated 06.09.2011 in the non customer a/c No. [protected] of CO Patna for onward payment to me on 01.10.2011, which was never paid to me.

                          (2) The sanctioned amount of my Commutation of Pension sanctioned by CM Circle office Patna vide letter dated 30.08.2011 for Rs. 7, 08, 792/- which is still not paid to me, under abuse of power without any authority .


                          - Regarding Gratuity, the Learned Controlling Authority under the Payment of Gratuity Act, 1972 has termed the act of withholding of Gratuity by PNB as illegal and concluded the act of Bank as wrong ab- initio and passed the order for Payment of Gratuity with interest amounting Rs. 11, 25, 000/- (Gratuity Rs. 10, 00, 000/- + interest Rs. 1, 25, 000/-) to me vide order dated 07.01.2013.

                          [There is nothing on record that any loss or damage has been caused to the Bank either in terms of money or reputation by any act/omission of mine & neither is there any finding that the respondent had committed any misconduct in discharge of his duties during his entire illustrious & unblemished career of 34 years in the Bank. It is height of affairs on the part of PNB that when the State/Bank has not incurred any loss then which of the recovery bank wants from me by invoking Reg. 46 of PNB Pension Regulation ?]

                          - As far as commutation of pension is concerned you are fully aware of the fact that there is no provision under Regulation 46 of PNB (Employees) Pension Regulations, 1995 for withholding of Commutation of Pension. It has been held by the PNB officials illegally without any authority whimsically, only motive behind is nothing but Vengeance & Victimization.

                          When I have asked from the Circle Head, Patna; DGM PAD Head Office, New Delhi & even from our worthy CMD through more than a dozen complaints about “ Please let me Know that when there is no provision of withholding of Commutation of Pension under Regulation 46 of PNB (Employees) Pension Regulations, 1995, then why the sanctioned amount of commutation of pension Rs. 7, 08, 792/- has not been paid to me since 01.10.2011.” You may be ashamed to know that the reply of any of my letters from the above authorities is like Mirage in desert, none of my complaints have even been acknowledged and the authorities are keeping mum on the issue. None of my complaints have neither acknowledged nor replied. Still we are proud of saying that we are having excellent “ Grievance Redressal Policy” for implementation of Code of Bank’s commitments to customers in our esteemed organization, Punjab National Bank.

                          Even under RTI Act, the CO Patna & HO MARD authorities has evaded and escaped the reply on the above matter, for which Second Appeal with Central Information Commission New Delhi is pending for hearing. For this very illegal & malafide act, the Bank is liable for heavy interest with penalty and compensation in addition to Commutation of Pension & Gratuity – for harassing, victimizing and humiliating & punishing me by the Bank without any irregularity, lapses or faults during my entire illustrious and unblemished career, by falsely reporting my case to HO PAD and further without going through their own records, without hearing me & by grossly violating the PNB and CVC guidelines, the bank took cognizance on pseudonymous complaint lodged by some authorities of CO Patna without identifying and verifying the complainant, with prime motive to tarnish and damage my hard earned life time prestige & to harass and humiliate me and injected me the agony of mental & physical suffering and torture on ongoing basis?

                          The letter dated 16.08.2011 sent to Chief Manager – HR, PAD HO by Chief Manager Circle Office, Patna [Prepared by Manager Law (Shri Gopal Krishna), signed by Chief Manager (Shri P.K.Jain), consented by AGM (Shri A.K.Gupta) & DGM (Shri J.K.Gupta) falsely, maliciously, vexatiously and malafidely reported my case as defalcation of money in making payment under loan Schemes to beneficiaries. Further it has been falsely dictated and reported through bank advocate Shri Sanjay Kumar that he is conducting my case in the judicial proceeding before the court of law and my case reported maliciously as Money Scandal.

                          The letter dated 29.09.2011 sent to Chief Manager – PF & Pension Fund Department, HO by Chief Manager HRD Circle Office, Patna [Prepared by Senior Manager HRD, signed by Chief Manager HRD, vexatiously and malafidely consented by AGM (Shri A.K.Gupta) [despite knowing the fact that under Regulation 46 of PNB (Employees) Pension Regulations, 1995, the bank has not been enshrined even a remotest power to withhold Commutation of Pension of an employee] utilizing abuse of authority & unaccountable misuse of power, instructed Chief Manager – PF & Pension Fund Department, HO to illegally withhold my sanctioned amount of Commutation of Pension. When I requested the authorities [ CM HRD CO Patna; CH CO Patna; FGM Bihar Patna; DGM & GM PAD HO; CMD HO] to get the illegal act corrected & get/instructed to get the Commutation of my sanctioned amount of Commutation of Pension release immediately vide my complaint with regular & protracted follow up dated 06.10.2011, 15.12.2011, 30.01.2012, 02.02.2012, 06.02.2012, 25.02.2012, 29.02.2012, 04.03.2012, 05.03.2012, 10.03.2012, 20.03.2012, 24.04.2012, 09.05.2012, 20.05.2012, 21.06.2012, 09.07.2012, 27.07.2012, 11.08.2012, 03.10.2012, 08.10.2012, 16.10.2012, 10.11.2012, 21.11.2012, 22.11.2012, 24.01.2013, 18.02.2013, 21.05.2013, 26.05.2013, 30.07.2013, 05.08.2013, 08.08.2013 & 22.08.2013 but all efforts gone in vain due to false “ AHANKAR” of the authorities of PNB, with prime motive to harass, humiliate & victimize me. Only through a letter dated 21.12.2012 the CPIO/CM HRD PNB CO Patna (under RTI Act) informed me “ Concerned section has informed that that in terms of HO direction amount was withheld” without furnishing any reason, cause or authority for such action. Since 01.10.2011 I am crying for justice, but the authorities are dam caring my pray & sleeping on the matter. Can I be get justice now & by what time my sanctioned amount of Commutation of Pension & Gratuity will be released ? Can Penalty be imposed upon the concerned corrupt officials for their misdeed ? Can I be compensated for illegal, malafide, arbitrary and unreasonable, utterly discriminating, irresponsible act and behavior of authoritoies punishing me without any irregularity, lapses or fault which ultimately tarnished and damaged my hard earned life time prestige, image, dignity, fame, goodwill, respectability, reputation in the Bank, Society and even in the Family and injected me the agony of mental & physical suffering and torture on ongoing basis since 01.10.2011 ?


                          Section 182 of Indian Penal Code 1860 provides for prosecution of a person making “ False information, with intent to cause public servant to use his lawful power to the injury of another person”.
                          Further “ A false complaint (not a FIR) made to a public servant also constitute an offence under Section 182 of IPC”.
                          If the information or complaint against a public servant is found to be malicious, vexatious or unfounded, the person furnishing false information / making false complaint is liable to be prosecuted under Section 195 (1) of the Cr.PC.
                          In addition to legal remedy, departmental action should be taken against them in addition to prosecution.
                          Can our worthy CVO, EDs or CMD take action against Bank Advocate, Manager Law, Sr. Manager HRD, CM HRD, AGM & DGM of CO Patna during the relevant period, for their malicious & Vexatious acts? “


                          (S.M.Masih-ur-Rehman)
                          Ex. Senior Manager, PNB, Circle Office, Patna.
                          PF No. : 31332
                          Email : [protected]@gmail.com ; [protected]@ymail.com ;
                          Address: Chand Colony, Khagaul Road
                          Phulwari Sharif, Patna- 801505.
                          Mobile No. [protected].


                          Copy to :

                          1. The CVO [Email: [protected]@pnb.co.in], EDs [Email: [protected]@pnb.co.in, [protected]@pnb.co.in, [protected]@pnb.co.in], CMD [Email: [protected]@pnb.co.in] Punjab National Bank, HO: 7, Bhikaiji Cama Place, New Delhi for intervening into the matter, for getting the applicant JUSTICE and for taking action against the bank officials for intentionally, malafidely & grossly violating the Principles of Natural Justice, PNB & CVC guidelines .
                          2. The Chairman, National Commission of Minoritees, 5th. Floor, Lok Nayak Bhawan, Khan Market, New Delhi – 110003 for intervening into the matter and for getting the applicant JUSTICE.[Email : [protected]@nic.in ]
                          3. The Chief Vigilance Commissioner, CVC, Satarkta Bhavan, A-Block GPO Complex, INA New Delhi- 110023 for intervening into the matter, for getting the applicant JUSTICE and for taking action against the bank for intentionally, malafidely & grossly violating the CVC guidelines . [Email : [protected]@nic.in ]
                          4. The Chairman, National Human Rights Commission, New Delhi for intervening into the matter and for getting the applicant JUSTICE. [Email : [protected]@nic.in ; [protected]@nic.in ]
                          5. The Secretary, Directorate of Public Grievances, Cabinet Secretariat, 2nd Floor, Sardar Patel Bhawan, Sansad Marg,
                          New Delhi-110001 [E-mail address: [protected]@nic.in] for intervening into the matter and for getting the applicant JUSTICE.
                          6. The Deputy Secretary {Shri M. P. Sajeevan - looking after Public Sector Banks}, Directorate of Public Grievances, Cabinet Secretariat, 2nd Floor, Sardar Patel Bhawan, Sansad Marg, New Delhi-110001 [E-mail address: [protected]@nic.in] for intervening into the matter and for getting the applicant JUSTICE.
                          7. The Chairman {Shri A.C.Mahajan}, The Banking Codes and standards Board of India, Reserve Bank of India Building, C-7, 4 th Floor, Bandra Kurla Complex, Mumbai - 400 051. for intervening into the matter and for getting the applicant JUSTICE.
                          8. The Joint Secretary, Department of Financial Services [Shri Dr Achintan Bhatacharya - Banking Division, Email : [protected]@nic.in]; [Shri Alok Nigam - Banking & Insurance Divisions, Email : a.[protected]@nic.in], 3rd Floor, Jeevan Deep Building, Sansad Marg New Delhi - 110 001, for intervening into the matter and for getting the applicant JUSTICE.


                          ( S.M.Masih -ur- Rehman)
                          SIGNATURE OF COMPLAINANT


                          [ “Power may makes an official corrupt & absolute power makes him corrupt absolutely” ].


                          [ “ Honesty may be harassed, humiliated & victimized but never defeated” ].

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                            Punjab National Bankabuse of authority. colourable exercise & misuse of power

                            Complaint with cmd punjab national bank dated : 08.08.2013

                            To: shri k r kamath
                            chairman cum managing director,
                            punjab national bank,
                            7, bhikhaiji cama place, new delhi
                            email : [protected]@pnb.co.in

                            1. name of the complainant : s. m. masih-ur-rehman

                            2. full address of the complainant:
                            (ex. senior manager, punjab national bank)
                            chand colony, khagaul road, phulwari sharif,
                            patna – 801505.
                            mobile no. +[protected]
                            email : [protected]@gmail.com
                            : [protected]@ymail.com
                            pf no.: 31332

                            3. complaint against (name and full address of the div./co/branch): authorities of punjab national bank, circle office patna & pad ho new delhi

                            4. brief description of the complaint:

                            This case demonstrate the grim determination of the authorities of punjab national bank to compel an employee, who after 34 years of service, retired without there being any disciplinary proceedings initiated against him before or after his retirement, to face the agony of vengeance & victimization by withholding the sanctioned amount of gratuity (sanctioned under payment of gratuity act, 1972) by illegally & malafidely invoking regulation 46 of pnb employees’ pension regulation, 1995 and further withholding his sanctioned amount of commutation of pension (amounting rs. 7, 08, 792.00) without any authority on the date of his retirement i. e. on 30.09.2011 without hearing him or providing/furnishing any details. the marriage of his daughter which was fixed and settled to be solemnized in november 2011 could not be held due the only fact that the retirement benefits had not been paid to him. the extent of cruelty and caprice, malafides and malevolence, unkindness and unfairness, arbitrary, unreasonable and irresponsible conduct and behavior of the authorities of pnb circle office patna would be apparent from the records. the manner in which the circle head patna, got a pseudonymous complaint received, taken action on it (without going through their own records) without identifying the complainant, without hearing the employee and further grossly violating the basic cvc and bank guidelines and to the height by falsely and malafidely reporting the employee’s case to pad ho as money scandal and defalcation of money in making payment under irdp loan schemes to beneficiaries [whereas the fact is that the employee (my) name was falsely dragged and implicated in punpun ps case no. 40 of 1990 (state vs p. n. singh) by the police while submitting the final form on 31.07.1998] is nothing but a colourable exercise and misuse of power by the pnb co patna management. that only allegation leveled against me by the police in the instant case is that as a manager of paying bank (pnb pothahi branch), I ordered for payment of two genuine bank drafts of very meager amount admittedly less than rs. 8000/-.

                            Can hon’ble pnb higher authorities will take stern action against their officials for their corrupt malafide practices & wicked acts?

                            That on the other hand bank after getting the whole affairs thoroughly investigated and examined by the competent higher authorities of the bank exonerated me vide order dated 10.12.1991, as there is nothing on record that any loss or damage has been caused to the bank either in terms of money or reputation by any act/omission of mine & neither is there finding that the respondent had committed any misconduct in discharge of his duties. the payment of two genuine drafts in question were ordered for payment by me as branch manager of paying branch was strictly in accordance with system & procedures of the bank, for which I was bound to do. [ it is height of affairs on the part of pnb that when the state/bank has not incurred any loss then which of the recovery bank wants from me by invoking reg. 46 of pnb pension regulation?].

                            That it is very pertinent to mention here that the relevancy to the said punpun p. s. case no. 40/90 dated 25.04.1990 was in sanction and disbursement of loan by pnb punpun branch.in that case I was not named accused rather at a belated stage the police illegally, malafidely & maliciously dragged my name without any cogent evidence, illegality and any substance in the final form submitted by them on 31.07.1998. the bo: pnb punpun has prepared and issued two drafts of meager amount, which has be presented and encashed at pnb pothahi (my branch) by following the system, procedures and guidelines of the bank and in that case neither from my side nor from my branch side, any illegality or irregularity was committed in honouring the said genuine drafts. even then my name has been included wrongly and illegally by the police for reason best known to them, and in the instant case charge has not been framed till date (i. e.in 24 years).

                            That absolutely no allegation leveled against me either of serious crime/grave misconduct /fraud/criminal breaches of trust or forgery. after institution of the aforesaid punpun p. s. case no. 40/90 dated 25.04.1990, the bank has also got thoroughly investigated the entire affairs by deputing two senior bank officers – one from head office new delhi and another from zonal office patna in the year 1991. they thoroughly investigated and examined all the matters related to the said case and thereafter they submitted their report mentioning inter alia that there was no fault as well as no irregularity on the part of the respondent, and accordingly the disciplinary authority of punjab national bank after applying his judicial mind has decided that further action against the respondent (me) in that matter by the bank is unwanted and is not called for, and subsequently dropped the staff side case against me in the year 1991 itself vide letter dated 12.10.1991 sent to the regional manager, regional office, patna“a”.

                            That no show cause, no explanation, no adverse remarks have ever been called upon me in my entire illustrious and unblemished career of 34 years in punjab national bank. no departmental proceeding are neither initiated/ started in the entire service period nor pending at the time of my retirement on attaining the age of superannuation.

                            The learned controlling authority under the payment of gratuity act, 1972 has also concluded the act of bank as wrong ab initio and passed the order for payment of gratuity with interest to me in case no. 48/1 (09)/2012/alc-1 vide order dated 07.01.2013.
                            Now the said punpun ps case no. 40 of 1990 (state vs p. n. singh) against me in which my name was belatedly & falsely dragged and implicated by the police while submitting the final form on 31.07.1998 has since been quashed by his lordship the hon’ble patna high court vide their order dated 17.05.2013 and I have been discharged from the liability leveled against me in the said punpun ps case no. 40 of 1990.

                            5. relief sought: I have not yet received the overdue payable terminals already sanctioned even after the order of the learned controlling authority dated 07.01.2013 & recently by his lordship the hon’ble patna high court dated 17.05.2013. can the silence on the part of pnb management be treated as denial of justice? by when would I get my sanctioned payable amount of commutation of pension (rs. 7, 08, 792.00) & gratuity (rs. 10, 00, 000.00) with interest @10% till the date of payment of gratuity along with penalty @ 18% p. a. and compensation of rs. 10 lacs for punishing me by the bank without any irregularity, lapses or faults during my entire illustrious and unblemished career, by falsely reporting my case to ho pad and further without going through their own records, the bank has tarnished and damaged my hard earned life time prestige, image, dignity, fame, goodwill, respectability, reputation in the bank, society and even in the family and injected me the agony of mental & physical suffering and torture on ongoing basis? can I be in a position to get my daughter married this time also which has been fixed for 20.09.2013?

                            (s. m. masih - ur - rehman)
                            Signature of complainant

                            Copy to :
                            1. the chairman, national commission of minoritees, 5th. floor, lok nayak bhawan, khan market, new delhi – 110003 for intervening into the matter and for getting the applicant justice.[email : [protected]@nic.in ]
                            2. the chief vigilance commissioner, cvc, satarkta bhavan, a-block gpo complex, ina new delhi - 110023 for intervening into the matter, for getting the applicant justice and for taking action against the bank for intentionally, malafidely & grossly violating the cvc guidelines. [email : [protected]@nic.in ]
                            3. the chairman, national human rights commission, new delhi for intervening into the matter and for getting the applicant justice. [email : [protected]@nic.in ; [protected]@nic.in ]


                            (s. m. masih - ur - rehman)
                            Signature of complainant

                            “power may makes an official corrupt & absolute power makes him corrupt absolutely”.


                            Shri a. k. dargan 21.05.2013
                            Circle head (dgm),
                            Punjab national bank,
                            Circle office, chanakya towers,
                            R. block, patna-800001.
                            Email: [protected]@pnb.co.in

                            Ref : my letter dated 06.10.2011, 15.12.2011, 02.02.2012, 25.02.2012, 29.02.2012, 04.03.2012, 10.03.2012, 09.05.2012, 20.05.2012, 09.05.2012, 21.06.2012, 18.08.2012 & 16.10.2012.
                            Reg: invocation of regulation 46 of pnb (employees) pension regulation, 1995 against me on the date of my retirement on attaining the age of superannuation – arbitrary, unreasonable and utterly discriminating order of the authorities of punjab national bank.

                            Sir,

                            It is to state that shri j. k. gupta, the then circle head, punjab national bank, circle office, patna has invoked regulation 46 of pnb (employees) pension regulations, 1995 vide letter no. hrd: mr: ret dated 30.09.2011 on the date of my retirement on attaining the age of superannuation without furnishing any detail.

                            The letter says : “ on attaining the age of superannuation on 30.09.2011 you are hereby relieved today from the bank service. your retirement dues have been settled as per the regulation 46 of pnb (employees) pension regulation, 1995.”

                            No clear, rather misleading information has always been provided by the cpio/faa of pnb circle office, patna & pnb ho: new delhi; co patna and pad ho new delhi. I was astonished when I have not been paid the sanctioned amount of commutation of pension and amount of gratuity sanctioned under the payment of gratuity act, 1972 duly received by circle office patna for onward payment to me on the basis of facts that the regulation 46 of pnb (employees’) pension regulations, 1995 was not having any effect on these two terminals. aggrieved with this apartheid approach of pnb management I have been compelled to lodge complaints (with their protracted follow up) with the authorities like circle head, punjab national bank, circle office, patna; gm hrd/pad, punjab national bank, head office, new delhi & cmd, punjab national bank, head office new delhi to know how these two terminals had not been released/paid to me, but all efforts gone in vain without bearing any fruits. none of my complaints have either been acknowledged or replied. still we are proud of saying that we are having “ grievance redressal policy” for implementation of code of bank’s commitments to customers in our esteemed organization, punjab national bank.

                            Under rti act only I have in receipt of your letter hrd:misc dated: 23.05.2012 send to the dy. general manager ho: pad new delhi (from the cpio patna), from which it has been confirmed that bank is illegally withholding my above two terminals without any justification.

                            Sir, the letter signed by ch says:

                            “ [ shri rehman was retired from the bank service on 30.09.2011 and in terms of ho letter pad:mr: 31332 dated 17.09.11 terminal dues of shri rehman was settled as under:

                            in terms of regulation 46 of pnb (employees) pension regulations, 1995 “ an employee who has retired on attaining the age of superannuation or otherwise and against whom any departmental or judicial proceedings are instituted or where departmental proceedings are continued, a provision pension, equal to the maximum pension which would have been admissible to him would be allowed subject to adjustment against final retirement benefits sanctioned to him, upon conclusion of the proceedings but no recovery shall be made where the pension finally sanctioned is less than the provisional or the pension is reduced or withheld etc either permanently or for a specific period”.

                            In view of the above gratuity amount has not been paid to shri rehman and he is getting provisional pension equal to maximum pension but without any commutation.] ” (is reg. 46 of pnb pension regulation has been amended by ch patna by including the word “ but without any commutation”?)

                            Sir,

                            under payment of gratuity act 1972, the employer has not been enshrined any power for withholding the gratuity rather there is provision of punishment to employer for non payment of gratuity under section 9 (2) & 9 (2) proviso of pga 1972.

                            furthermore, there is no provision under regulation 46 of pnb (employees) pension regulations, 1995 for withholding of commutation of pension.

                            Sir, as an educated and senior officer/authority of punjab national bank can you agree with the following prepositions:

                            (1) a person has been awarded minor penalty by the disciplinary authority [say under regulation 4 (a)] of punjab national bank officer employees’ (discipline & appeal) regulations, 1997. can he be malafidely punished under regulation 4 (g) of punjab national bank officer employees’ (discipline & appeal) regulations, 1997 also or under any other regulation or under any other act?
                            (2) a person has been sanctioned gratuity under the payment 0f gratuity act, 1972. can his gratuity be withheld by invoking provision of some other regulation?
                            (it is well established fact that in view of overriding provisions contained in section 14 of the payment of gratuity act 1972, the provision of gratuity under pension rules will have no effect).
                            (3) a person against whom bank has settled his terminal dues by invoking provisions of regulation 46 of pnb (employees) pension regulations, 1995 [although illegally, arbitrarily, with malafide intention] on the date of his retirement. can his commutation of pension be withheld by invoking provision of some other regulation after his retirement?

                            Sir, the reply must be a big “no”.

                            Sir, I am crying for justice since 01.10.2011 but the same has not meets the end of justice. my case depicts a sorry state of affairs. pnb functionaries having statutory powers blatantly abused to the detriment to the rights of the employee. the attitude seems to be that the authority can abuse power with no answerability having sole motive of victimizing the employee.

                            Sir, I am furnishing the history of the case in brief for your judicious consideration to override the misleading information provided by your team:

                             a complaint was lodged by one shri doman das and 10 other borrowers against shri p. n. singh, the then manager pnb punpun (dist. no. 2909) [presently dgm zao kolkata] alleging some irregularity in the disbursement of irdp loan with police station punpun on 25.04.1990 and accordingly fir was lodged against shri p. n. singh and one shri b. singh alleged to be his middleman on 25.04.1990 by punpun police vide p. s. case no. punpun - 40/1990 (state vs p. n. singh). [copy of complaint & fir already enclosed with my letter dated 16.10.2012].

                             at that time I was posted as branch manager pnb pothahi (dist. no. 2947).

                             a few drafts have been issued by bo: punpun and were payable and paid at bo: pothahi.

                             the bank has got thoroughly investigated the whole affairs by deputing two senior officers – one from ho and another from zo patna in the year 1991. one was some vigilance inspector from ho and another was shri p. n. prasad, the then senior inspector. after submission of their report, bank has found that there was no fault as well as no irregularity on the part of mine, and accordingly the disciplinary authority of punjab national bank after applying his mind has decided that further action against me in that matter by the bank is unwanted and is not called for, and subsequently dropping the ssc against me in the year 1991 itself. however in case of shri p. n. singh it was instructed to “keep staff side against sri p. n. singh in abeyance till the case is pending in the court is decided”. communication to this effect was sent by the zonal manager zonal office patna to regional manager regional office patna “a” vide zo letter dated 12.10.1991. (may be verified from bank records at co & ho) [ a reference letter dt. 08.05.2000 already enclosed with my letter dated 16.10.2012]
                             in the final form submitted by the police on 31.07.1998, my name was dragged into the case maliciously without any substance. the police say that I was not to order for payment of two drafts on 27.03.1990 issued by bo: punpun and payable at bo: pothahi as a paying banker.

                             both the drafts in question were genuine and paid as per system & procedure of the bank.

                             that on the other hand bank after getting the whole affairs thoroughly investigated and examined by the competent higher authorities of the bank exonerated me vide order dated 10.12.1991, as there is nothing on record that any loss or damage has been caused to the bank either in terms of money or reputation by any act/omission of mine & neither is there finding that the respondent had committed any misconduct in discharge of his duties. the payment of two genuine drafts in question were ordered for payment by me as branch manager of paying branch was strictly in accordance with system & procedures of the bank, for which I was bound to do. [it is height of affairs on the part of pnb that when the state/bank has not incurred any loss then which of the recovery bank wants from me by invoking reg. 46 of pnb pension regulation?].


                             when my promotion to mmg iii was due in 2000, a pseudonymous complain was lodged with zo patna against me in the said case. the then zonal manager zo patna (despite of the reply of then srm shri b. c. nigam that staff side decision has already been taken in the matter by the competent authority, and the order stands communicated to rmo vide zo letter dated 12.10.1991 enclosing the copy of the order) instructed srm patna”a” to get a fresh investigation by some senior official especially to investigate again that the draft relating to 02 loan accounts in question for which police has made accused sh. s. s. m. rahman were genuine and payment of the same has been made as per system and procedure of the bank. accordingly ldm patna was deputed to investigate the matter. again authorities has come to the conclusion that both the drafts were genuine, their payments were made strictly in accordance with system and procedures of the bank & found no mistake or irregularity in the payment of the drafts by the paying banker of which I was the incumbent incharge at the relevant period and accordingly file was closed at ho and I was promoted to mmg scale iii. (may be verified from bank records at co & ho ; copy of letter dt. 10.10.2000 & 17.10.2000 in support has already enclosed with my letter dated 16.10.2012)

                             again in the year 2004, a pseudonymous complaint was lodged by some fictitious person in the name of shri lal mohan yadav, leader rastrya janta dal (non existent person) against some officials including me & sri n. k. niranwal, the then srm patna “a” (presently gm pad ho). the matter was got investigated by izo patna through vigilance officer, in which no truth was found and there after file was closed by ho (may be verified from bank records at co & ho as well as from sri niranwal presently gm ho himself).

                             further on my retirement on attaining the age of superannuation, it is smelt that some people of vested interest from the available records of circle office patna hatched a criminal conspiracy, and accordingly pseudonymous complaint was generated and lodged through email on the email id of [protected]@pnb.co.in;[protected]@pnb.co.in; v. [protected]@pnb.co.in; [protected]@pnb.co.in; [protected]@pnb.co.in; [protected]@pnb.co.in; [protected]@pnb.co.in; [protected]@pnb.co.in and the authorities without verifying the genuineness of the complaint/identity of the complainant came into quick, swift and rapid action. they have taken the decision of invocation of regulation 46 of pnb (employees) pension regulation, 1995 against me on the date of my retirement on attaining the age of superannuation which is arbitrary and unreasonable, utterly discriminating and irresponsible conduct & behavior. the hurried and secret action of authorities without going through their own records, without giving me an opportunity to be heard and the action violating the basic cvc and bank guidelines (cvc & bank guidelines already enclosed with my letter dated 16.10.2012) is not to be said as honest & bonafide act, as it “want of good faith”, clearly reflecting victimization, completely violating the principles / law of natural justice having basic error. the role of manager-law, bank’s lawyer ……… seems to be dubious on the basis of following malicious and misleading informations submitted to ho by the circle office patna:

                            1. the bank advocate’s (dictated report) reporting my case as “money scandle” in his inspection report.
                            2. the bank’s advocate in his inspection report falsely stated that he has pleading my case before the court of law whereas the fact is that I do not know him and never hired his services.
                            3. the chief manager circle office patna without verifying the facts, send the opinion of advocate along with his own false, fabricated and misleading observation that allegation against me is defalcation of money while making payment under irdp scheme to beneficiary) vide his letter dated 16.08.2011 to ho.
                            Can the hon’ble pnb authorities will take action against the officials for their such malafide, corrupt practices & their wicked acts?

                            Sir, when I have sought information from cpio (cm)/faa (ch) circle office patna, cpio (dgm mard)/faa (gm mard) ho: new delhi & dgm/gm pad ho that why regulation 46 of pnb (employees) pension regulation, 1995 has been invoked against me, you must be ashamed by hearing their altogether 05 false & misleading replies that” criminal case is pending against me before the cjm court patna and judicial proceedings are in progress”.

                            Sir, it is to bring to your kind notice that no criminal case was or is pending in the cjm court patna against me.in the instant punpun ps case no. 40/90 state vs p. n. singh and others (not state vs s. m. m. rehman & others as reported by you to ho) pending against others including me, the charge was not framed in the last 23 years. can it be safely said that judicial proceedings are in progress?

                            Sir, I have already enclosed the copy of bail granted to me in the instant case by the honb’le court of law vide my letter dated 16.10.2012, which will definitely open the eyes of pnb management that allegation against me is whether money scandal and defalcation of money in sanction/disbursement of loan or it is merely payment of two genuine drafts of meager amounts as paying banker.

                            Now the said punpun ps case no. 40 of 1990 (state vs p. n. singh) against me in which my name was belatedly & falsely dragged and implicated by the police while submitting the final form on 31.07.1998 has since been quashed by his lordship the hon’ble patna high court vide their order dated 17.05.2013 and I have been discharged from the liability leveled against me in the said punpun ps case no. 40 of 1990.
                            (the above order of hon’ble patna high court is with the ch patna, pad ho and our worthy cmd too).
                            Even before the above judgement dated 17.05.2013, I have already provided you sir with the judgments of honb’le patna high court and different other honb’le courts including supreme court of india earlier on payment of gratuity under the payment of gratuity act, 1972 on 20.05.2012 followed by my letters dt. 21.06.2012, 18.08.2012 & 16.10.2012, but still my terminals are not released.

                            Sir, the silence on the part of pnb management even after the judgement of his lordship the hon’ble patna high court vide their order dated 17.05.2013 can be treated as denial of justice?

                            Keeping in view of above facts it is therefore once again requested that your honourable good self will look into the matter personally from your own desk for meeting the end of justice without further delay as there must be some limit for harassment, humiliation and victimization.

                            With regards,

                            Yours faithfully


                            (s. m. masih-ur-rehman)
                            Ex. senior manager, pnb, circle office, patna.
                            Pf no. : 31332
                            Email : [protected]@gmail.com ; [protected]@ymail.com ;
                            Address: chand colony, khagaul road
                            phulwari sharif, patna - 801505.
                            Mobile no. [protected].


                            Copy to: shri k. r. kamath cmd punjab national bank to look into the matter judiciously on the following facts please:
                            sir,
                            (1) there is no provision in regulation 46 of pnb employees’ pension regulation, 1995 for withholding of commutation of pension and this fact has been again & again brought before the ch (patna circle), gm (pad ho), your honourable goodself but it is rigidly, arbitrarily & illegally not released even after > 22 months of my retirement.
                            (2) there is no provision in law to withhold gratuity of an employee by any employer when the gratuity has been sanctioned under payment of gratuity act, 1972. under this act there is provision of forfeiture of gratuity under section 4 (6) only.
                            The provision of withholding of gratuity in regulation 46 of pnb employees’ pension regulation, 1995 is applicable only for those gratuity which was sanctioned under regulation i. e. under regulation 46 of pnb (officers’) service regulations, 1979.
                            (3) the said punpun ps case no. 40 of 1990 (state vs p. n. singh) against me in which my name was belatedly & falsely dragged and implicated by the police while submitting the final form on 31.07.1998 has since been quashed by his lordship the hon’ble patna high court vide their order dated 17.05.2013 and I have been discharged from the liability leveled against me in the said punpun ps case no. 40 of 1990. now the bank has no option & fake excuse for still withholding the terminals.
                            I am sure that the ch patna circle must have realized their mistake by now and must have recommended my case (representation dated 21.05.2013 duly receipted by him) to you for justice.

                            It is earnestly requested that my this representation may please be acknowledged and grievances be redressed without further delay please.

                            (s. m. masih-ur-rehman)
                            Ex. senior manager, pnb, circle office, patna.
                            Pf no. : 31332
                            email : [protected]@gmail.com ; [protected]@ymail.com ;
                            Address: chand colony, khagaul road
                            phulwari sharif, patna - 801505.
                            Mobile no. [protected].
                            Place : patna
                            Dated: 26.05.2013


                            “ honesty may be harassed, humiliated & victimized but never defeated”.

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                              Punjab National Bankwindow dressing, fraud & forgery

                              Shri Shiv Kumar Gupta
                              CVO cum GM,
                              Punjab National Bank,
                              HO: New Delhi

                              Senior bank officials working as Branch Head or Regional Head or Circle Head or Zonal Head or Central Head, all have barring some exceptions resorted to window dressing in the past and it is their mastery in art of window dressing that they continued to be blessed with one after other promotions superseding honest performers. Shri Joginder Kumar Gupta Previously Circle Head (AGM) Punjab National Bank, Muzaffarpur Circle, Presently Circle Head (DGM) Patna Circle and Shri K.L.Bareja Previously Circle Head, Arrah Circle are renowned personality in the field of financial irregularity, fraud & forgery. One such example was episode of Muzaffarpur :
                              - A front page highlighted news published in Dainik Jagran against Shri Joginder Kumar Gupta Previously Circle Head (AGM) Muzaffarpur Circle & Shri K.L.Bareja Previously Circle Head, Arrah Circle for hatching criminal conspiracy, fraud & forgery in illegal transaction of Government fund (DDC Muzaffarpur) amounting Rs. 40 Crores on 6.12.2010, which gives bad name to Punjab National Bank.
                              - Again highlighted front page news published in Dainik Jagran against Shri J.K.Gupta the then Circle Head, Punjab National Bank, Muzaffarpur Circle for his ill doings violating all norms of PNB & RBI on 7.12.2010.
                              - The DDC Muzaffarpur has instructed Senior SP vide his letter dated 6.12.2010 to investigate the fraud made on the instruction of Shri J.K.Gupta to Branch Manager BO: Khabra Road by opening a fictitious account no. [protected] in the name of DDC Muzaffarpur.
                              - The DDC Muzaffarpur has also constituted 3 member committee to investigate the whole affairs.
                              - The matter was to some extent suppressed by issuing a press note on 6.12.2012 by Circle Head Muzaffarpur by apoliging and assuring for rectification of the financial irregularity criminally conspired by the previous Circle Head. Further to somehow patch up the tarnished image of Punjab National Bank the then FGM (Shri Srinivasan) alongwith Shri J.K.Gupta and current CH met the DDC & DM Muzaffarpur on 7.12.2010 apoliging and begging pardon from the state authorities for the financial crime made at the behest of Shri J.K.Gupta.

                              It is shame on the face of PNB that after this episode Shri J.K.Gupta was promoted from AGM to DGM and Shri K L Bareja transferred to HO, place of his choice.

                              They not only resorted to window dressing for deposits but also for advances.RBI never took notice of it or one may say that they indirectly supported this unhealthy and unethical practice prevalent in public sector banks in the name of achievement of targets.

                              Bank officers paid abnormal rates of interest for short term deposits and achieved the target of deposits. Bankers then motivated high value borrowers to withdraw their unavailed portion of sanctioned limit on closing days and park the same in their deposit account. In this way they made artificial jump in deposits and advances in last few days of closing year or closing quarter.
                              This fraudulent method of achieving target jeopardized the career of hundreds of senior officers who did not resort to window dressing and these officers were sidelined, posted at critical places and finally rejected in all promotion processes. There have been hundreds of senior officers who are expert in window dressing of advances too. They arrange short target valued clients to avail short term loan even if the corporate do not need and finally compensate them in different ways.

                              These corrupt bankers have caused huge loss to banks by paying abnormal interest for short period and by providing sub-PLR rate on advances to big clients who obliged them during closing period. All this caused huge loss to tax payers, investors and those who kept their hard money in saving deposits. Not only this these officers played big role in creation of bad assets in banks and finally writing off of big values loans .Volume of NPA was always concealed by these clever bankers and now on CBS they are getting exposed . Gross NPA of banks has made a new top and gone beyond control.

                              Finally when bank incurred loss or earned less profit, even wage revision of staff was treated by Ministry in casual manner and ultimately all staff had to bear with nominal or negligible rise in their wages.

                              Who will after all punish these corrupt officers who have been using their flattery and bribery powers to buy the good wishes of ministers and RBI officials and who have been buying even vigilance officials to close their files related to corrupt activities?
                              After all why RBI officials and Ministry of Finance maintained silence for decades together is a mystery? Most of senior banks have got blessing of some ministers or some officers in MOF or RBI and this is why they not only get before-time promotion but also get safe exit at the time of retirement even if they committed hundreds of irregularities in their posting at various offices.

                              It is earnestly requested that the working of Muzaffarpur and Patna Circle of Punjab National Bank may please be investigated to bring the corrupt practices in lime light going on there.

                              Yours’ Sincerely

                              (Smt. Rekha Devi Gupta)
                              Aghoria Bazar, Muzaffarpur – 842001
                              Email: [protected]@yahoo.com
                              Date: 17.3.2013
                              .

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                                Punjab National Bank — financial irregularity, fraud & forgery

                                Shri Shiv Kumar Gupta CVO cum GM, Punjab National Bank, HO: New Delhi Senior bank officials working a...

                                Muzaffarpur

                                Punjab National Bank Head Office New Delhidiscrimination on the basis of scheduled caste

                                Case of discrimination on the basis of caste and injustice.
                                Appeal and reconsider your decesion¬¬¬

                                Baldev raj mahi, s/o sh. ram asra,
                                Nawanshahar (pb)
                                Ex-manager,
                                Dated: 30-04-2012
                                Baba deep singh nagar,
                                Saloh road,
                                Backside k. c. palace, nawanshahr (punjab)
                                Distt. sahid bhagat singh nagar


                                Sh g. s dubey
                                The general manager
                                (appellate authority)
                                Personal adminstration division.
                                Punjab national bank,
                                Head office, 7, bhikaiji cama place,
                                New delhi-110066

                                Regarding : ill-legal change sheet dated 05/10/2009 saved upon sh. b. r. mahi – appeal and reconsider your decision. a case of discrimination on the basis of schedule caste
                                Sir,
                                Vide your order dated 10/12/2011 my appeal against major penalty of compulsory retirement imposed upon me by the disciplinary authority of general category i. e dgm,
                                Circle office, hoshiarpur has been rejected by yourgoodself. I want to submit following facts for your kind perusal and reconsideration in the above matter please. I am sending this appeal for reconsider of illegal decesion withour reading my whole appeal 100 pages on the direction of cmd sh. k. r kamath pnb new delhi
                                Respectfully it is submitted that I talked to sh. k. r. kamath cmd pnb head office new delhi on phone on the aforcesaid subject. I am very thankfull to cmd for giving me a patient hearing on phone. it has given me a hope that my case will be considered on merit, sympathetic and humantrian grounds.
                                I submit as under for kind perusal and as favourable consideration I am sending this case to sh. g. s. dubey gm pad head office pnb new delhi on the direction of the chairman and managing director pnb head office new delhi on his residence phone for reconsider your illegal decision without any basis or any evidence or any prove


                                1) I am shocked to see this decision without any base and going into merits of the case. I was hoping that you will decide the case after going through the facts of the case. you did not care to go into the details of the case and my appeal dated 14/9/11 fully. I asked for the documents from the bank to defend myself but these documents were not supplied to me before the enquiry.
                                2) appeal means that you should have gone through the whole case and give your independent decision, but the decision taken by you is fully based on the facts presented by lower authority against whose decision appeal has been made, who all were belonging from general category and who all discriminated against me on the basis caste as I belong to scheduled caste.
                                3) lower authority presented the whole case in a biased manner and presented the case in a wrong manner. the wrong facts presented by lower authority have become the basis of your wrong illegal decision whereas you should have studied the whole case in an impartial manner to give justice.
                                4) most of the charges which were proved against me while I was away to a foreign country. my leave was duly sanctioned by competent authority which is on record. this fact has been concealed by lower authorities from your good self. copy of passport is enclosed herewith for your kind perusal which clearly shows that during this period I was away from india.
                                5) on 17/5/2005 I was posted in bo rahon and charges relating to this period have been proved against me, how this is possible to prove charges against me and not against the manager working in bo, usmanpur my predecessor.
                                6) all loan a/cs has been fully secured with collateral security and there is no apprehension of loss to the bank. these facts has been wrongly communicated to yourgoodself by the officers who belongs to general category who all discriminated me on the basis of caste as I belong to scheduled caste.
                                Extenuating grounds
                                7) that as per relevant facts of the case, the fdr was to be prepared by debit to sf account on 11-12-2008 for which, vouchers were prepared and the same were dealt with by the cto and sh. harpal singh, 2nd man in the branch. they both have signed the vouchers in token of having effected the transactions in the books of the bank and also signed the issued fdrs but inadvertently the sf account of the party was not debited by making the entry in the system. it was presumed by the party and by all of us that this sf account has been debited whereas it was not debited. but the fact remains that a sum of rs.5.12, 000/- always remained in sf account in credit of the party which is evident from the exbt m20 (b) thereby showing the credit balance of rs.5, 12, 000/- on 01-01-2009 and thereafter on 16-08-09 rs.5, 16, 000/-. it is also added that in terms of exbt d6 which is a letter of the branch dated 02-05-2010, it has also been confirmed by the branch that as on 11-12-2008, the outstanding amount in the sf account remained rs.5.50 lac. that the bank has never remained short of funds because in the sf account more than rs.5.10 lac always remained and later on, od a/c was also adjusted by debit to the sf account. bank has not suffered any financial loss and the error has been inadvertent. the fdr was prepared in the hand shri dalwinder singh, cto, it was signed firstly by sh. harpal singh, dy. manager and there after he has also not gained anything as rs.5.50 lac remained in credit at a lower rate of interest 4%. sh. dalwinder singh has been charge sheeted on other grounds but not in connection with this error.
                                8) loan was sarctioned – for purchase of plot and not for repair and renovation of house. moreover the loan a/c has been closed
                                9) in car loan a/cs joint rc’s was in the record file now both these accounts has been closed.
                                Case of the defence
                                10) that the charge has been proved without any evidence, without any document relating to domicile, without an examination of any witness thereby confirming the respective distance relating to the villages barnala kalan and nawanshahr and thus, it has been a case of no evidence.
                                11) that the allegation has been proved on the basis of dead evidence vide exbt m131 (a-g) which is nothing but a circular wherein it is not provided that the villages in question were situated at a distance of 15 kms from bo usmanpur.
                                12) that the gravity of the charge has not been significant because the loan account of taranjit pabla has since been closed on 28-10-09 from the fdrs and sf proceeds which have been under bank’s lien and that too within a period of less than two years.in this case, the date of sanction is 10-06-07 and the account was closed on 18-10-2009 for which, fdrs and outstanding amount in sf account to the tune of rs.7.40 lac have been under bank’s lien against sanction of loan rs.7 lac.
                                13) that in the case of suresh madaan and vishal madaan, the loan was sanctioned and disbursed by sh. m. l. ahuja on 15-10-2007 when I was on leave w. e. f.13-09-2007 to 29-10-2007 and was in abroad vide exbt d48.
                                14) that gravity of the charge is not cognizable under any of the circumstances and it does not warrant a harsh punishment of my compulsory retirement from the bank’s services when I have been in the age group of 49 years only with remaining service of more than 10 years period.
                                15) the decisions of various high court / supreme court have not been relied upon while giving your judgements.
                                16) when ever any error /mistake has been committed by some one, the punishment imposed must be according to the gravity of the offence. you while giving your decision has totally relied upon the facts presented by lower authority who all belong to general category and you are also belonging to general category and not going carefully into the minute details of the case and spoiled the whole career of someone.
                                17) that I always received meritorious and appreciation letters for my working as incumbent incharge.
                                18) that my track record has been unblemished.
                                19) that I had already put clean and clear service of 27 years in the bank and thus, it was necessary to see my track record of 27 years period.
                                20) that there is no fraud in any of the cases except at the most may be foolish bonafide inadvertent procedural lapse, if any.
                                21) that my wife has since been expired after prolonged expensive illness.
                                22) that I have no son to take care of my family affairs.
                                23) that I always received meritorious and appreciation letters for my that I have three daughters for their education and marriage.
                                24) that I am suffering from the disease of flaria which is uncureable.
                                25) that I have no other source of income.
                                26) that I do not have any past savings or funds in any shape or form or even I am not in a position to continue my family members with food, clothing, education, medical care and to discharge all other social and substantial and subsistent requirements for survival and to live with honour and dignity in the society.
                                27) all sympathies as human being are required.
                                28) that I was not the only person in the branch whereas all other officials have been exonerated for the same course of lapses and only I have been discriminated in the matter.
                                29) prayer
                                30) than an opportunity of personal hearing may kindly be accorded under the principles of natural justice, even if the same is not provided under any of the regulations, so that I may be heard properly, patiently and sympathetically.
                                31) that a lenient view may kindly be taken in the matter because at this age of about 50 years, I am unable to get employment anywhere whereas my wife has already expired, I have three daughters who are school and college going requiring financial assistance for their education and marriage whereas I am already suffering from flaria in my leg which is un-cureble in the medical science. I have no other source of income whatsoever it may be and at the same time, I do not have any deposits or saved earnings in the past because lot of expenditure was incurred on the treatment of my wife etc.,
                                32) that the order of ‘compulsory retirement’ is extremely disproportionate, unreasoned, harsh, shocking to the conscious of a reasonable man keeping in view that I have not been a beneficiary, there is no fraud case and the bank has not suffered any financial loss. thus, the punishment is liable to be modified as reduced.
                                33) you are requested to study the whole appeal of myself numbering into 100 pages yourself and take some personal pain / interest to amend your wrong and illegal decision and not to spoil the career of someone casually
                                34) I will file the review petition separately after knowing from yourgoodself about the reconsideration of your decision
                                35) please give me reply of your decision in yes or no on my address or my email id.

                                Thanking you,
                                Yours faithfully,

                                (b. r. mahi)
                                (baldev raj mahi)
                                Pf no. 52135
                                Manager pnb, ldm office hoshiarpur (punjab)
                                Phone no : [protected]
                                Email id : [protected]@yahoo.com
                                Date may 3, 2012

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