evident that the Deputy General Manager approved the resignation with effect from 31.1.2003. It appears that later, the petitioner/appellant realised that he had made a mistake. As he had worked in the Bank for more than 20 years prior to his said resignation, he was entitled to seek voluntary retirement instead of resigning. He, by his undated communication (which appears to have received on or about 3.3.2003) requested the Bank that mistakenly he had used the expression 'resignation' instead of 'voluntary retirement' and he must be so treated. The reason was simple. Resignation is cessation of service forfeiting past benefits whereas voluntary retirement does not effect the past service and benefits accrued. While in either case, the person would be entitled to payment of gratuity, provident fund etc., in case of voluntary retirement, he would additionally be entitled to pension. Having served for 20 years, he would have been entitled to seek voluntary retirement and thereby apart from other dues, would become entitled to pension but having resigned he lost pensionary benefits.