A CLEAR CASE OF BIAS OF ENQUIRY OFFICER --------RECENT TREND OF BANKING INDUSTRY

A CLEAR CASE OF BIAS OF ENQUIRY OFFICER --------

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DE PROCEEDING HAS CIVIL CONSEQUENCES SO DURING THE ENQUIRY PROCEEDINGS PO/IO SHOULD NEVER USE OFFENCES DEFINED UNDER I.P.C. MORE OVER NO PUNISHEMENT DEFINED UNDER IPC CAN BE INFLICTED AGAINST CSO .

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जाँच अधिकारी /प्रस्तुत अधिकारी भारतीय दंड विधान में दर्शित अपराध का आरोप ,आरोपी अधिकारी पर नहीं लगा सकता ,जांच कार्यवाही में उल्लेख करना ,सिद्ध करने के लिए पर्याप्त होगा की जांच अधिकारी दुर्भावनाग्रस्त है

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Shukla sir I am a senior manager in a RRB near by Bhopal & facing DE on a/c of various acts of omission & commission in some loan cases like ,KCC, MUDRA LOAN etc , in short charges are --------

1) In some cases no genuine borrowers( KCC)

2) Diversion of fund in mudra loan

3) Incomplete documents or no documents in some cases

In fact the charges are ill motivated & I never acted like the charges are framed ,Shukla sir I have to say----------

i) I have read your article on MUDRA LOAN what if no units are found

ii) Genuineness of borrower how to prove in KCC

So I have enough literature for defence So I along with my DR are convinced that we shall overcome with gloomy situation , my only concern is since last 7 proceedings PO/EO are unnecessary provoking me by charging of THEFT, LOOTING , BRIBE TAKER , even they have noted words like that in the proceedings so please guide me what I should do ?

(Email from a senior manager RRB,Bhopal )

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RESPONDING TO DEAR SR MANAGER RRB ----

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RBI has strictly instructed to all banks vide circular no DCBR.CO. BPD. MC.No. 1/12.05.001/2015-16,July 1, 2015 that all the offences fall under IPC must be defined under fraud so no definition of offences defined under IPC are applicable in DE PROCEEDINGS ,& since PO/EO are using the word against the direction of RBI so the action of both the authorities will be treated as biased ,

RBI DIRECTIONS TO ALL BANKS -------

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CLASSIFICATION OF FRAUDS

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.1 In order to have uniformity in reporting, frauds have been classified as under, based mainly on the provisions of the Indian Penal Code:

h). Misappropriation and criminal breach of trust.

i.) Fraudulent encashment through forged instruments, manipulation of books of account or through fictitious accounts and conversion of property.

j.) Unauthorised credit facilities extended for reward or for illegal gratification.

k.) Negligence and cash shortages.

l.) Cheating and forgery.

m). Irregularities in foreign exchange transactions.

Any other type of fraud not coming under the specific heads as above.

ADVISABLE ------------

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it is advisable use these arguments when you get a final report of EO through DA