issued by M/s. Bhagavathi Enterprises in favour of Mrs. Reena P. Rai on their Current Account No. 13, which was discounted by her through SB A/C. No. 18866 at Bank's Founders Branch, Mangalore, pending at the branch instead of returning the same on the ground of insufficient funds in the account of the drawer of the cheque and thus, accommodated the drawer at the branch. He had also belatedly passed two cheques for Rs.10,000/- in the above current account on 14.07.2005 and 27.10.2005, which were issued by the above Current Account Holder in favour of Mrs. Reena P. Rai, thereby showing that the official was as engaged in money lending with Mrs. Reena P. Rai in his personal capacity. He had remitted an amount of Rs.35,000/- through MT Advice No. 13/06 from Aranthodu Branch on 16.10.2006 to the Loan Account No. RVC250036 of Smt. Savitha Ganesh maintained at Ashoknagar Branch, Mangalore for the purpose of repaying the liability of the lady borrower at the said branch by showing the remitter as Mrs. Reena P. Ral, thereby indicating that the official had undue interest at the time of sanctioning the loan facility to the lady borrower at Ashoknagar Branch, Mangalore by him and he had made an attempt to wipe out his association in remittance of funds to the loan account of the lady borrower. The official had, thus, misused his official position in the bank, violated the provisions laid down vide Regulation 15 (iv) of Vijaya Bank Officer Employees' (Conduct) Regulations, 1981, HO Circular No.126/2002 dated 22.10.2022 and Clause 47.26 (vi) of the Manual of Advances, Volume III, 2002-2003, (Page No. 441).
