records that, post penalty of dismissal, the petitioner has received the entire terminal benefits, which was settled. However, the Appellate authority has modified the penalty of dismissal and the petitioner was reinstated. Postreinstatement, the petitioner, having withdrawn the terminal benefits, was called upon by the respondent Bank either to opt for a provident fund (for short, 'PF') or avail Bank pension. Though petitioner availed pension scheme, failed to remit the Banks contribution of PF, which was paid to him on account of his dismissal. It is in this background, the petitioner, who had financial constraints, made a request to the respondent Bank to permit him to opt for a pension scheme and also consented to deduct the amount he had withdrawn from PF. On perusal of Annexure-R, it is clearly evident that at his request, he was permitted to opt for the pension scheme and at his request, an amount of Rs.8,14,398/- was transferred from his account, which was settled by way of terminal benefit. The petitioner, having voluntarily remitted back the employee's contribution towards the PF to avail pension