petitioner also joined as a co-applicant in Annexure A3 application. But, it is seen that in terms of the prescribed form, the student as also his parent have to join as applicants for the loan. Annexure A4 is the agreement of the loan executed between the petitioner and his father on one part and the bank on the other part. Annexure A4 does not recite that it is a staff loan. Staff loans, normally, are loans disbursed by banks to their staff members. Annexure A9 is a data sheet generated by the bank from their system. True, the said data sheet indicates that the subject loan is shown as one of the loans availed by the father of the petitioner. So long as the petitioner who is not a staff of the bank is not absolved from the loan liability, the bank cannot be heard to contend, on the basis of Annexure A9, that the subject loan is a staff loan. Curiously, the bank has not made available the order of the competent authority of the bank sanctioning the subject loan which would have thrown some light on the issue. The bank has no case that the subject loan is one given exclusively to the wards of the staff. They have also no case that since the subject career loan is disbursed to the son of a staff member, the terms of the loan including those relating to the rate of interest were different from the career loans disbursed by the bank to others. In the aforesaid circumstances, I am of the view
