build/construct new house on agricultural land, facilitated his father to construct the house at agricultural land belongs to other borrowers's land, which is purely violation of the norms; credited the proceeds of loans sanctioned to the borrowers to his account and also his joint account; there are huge amount of unusual transactions observed in his account for which he has not produced any supportive documents to disprove charges alleged against him before the forum; facilitated the borrowers to withdraw the proceeds of the loan amount in cash thereby accommodated them etc. Though he has increased the business of the Branch during his tenure, at the same time he has also violated lending norms of the Bank, thereby failed to protect the interest of the Bank. It has come on record that he has done reckless lending/unethical practice and shown negligence while extending credit facilities during his tenure at Umraya Branch. Basing on the documentary and oral evidence brought on record by the Management and Defence side, I find that the issues No.1 to 10 are proved for the reasons mentioned in the each issues. Therefore, the charge leveled against Sri Gajaraj Choudhary, CSOE vide Charge Sheet No. 347/HRD:IRD/DA-3 Dated 08.04.2019 that he failed to take all possible steps at all the times to ensure and protect the interest of the Bank and discharge his duties with utmost integrity, honesty, devotion and diligence and acted in a manner unbecoming of an Officer Employee and thereby contravened Reg. No. 3(1) read with Regulation 24 of Syndicate Bank Officer Employees' (conduct) Regulations 1976 as PROVED to the extent stated above in the analysis of evidence.”
