Dear Prashant, The punishment of stoppage of three increments with cumulative effect means that he will not draw the next annual increment for a period of three years and at the end of three years he will draw the next increment. Let us assume a case that the punished employee was in the grade of Rs. 5000-100-6000 and was drawing basic pay of Rs. 5500/ and increment is due on 15th September every year. As the punishent of stoppage of increment with cumulative effect is imposed, his basic pay will remain static at Rs. 5500/- as on 15th September 2011, 15th September 2012, 15th September 1013 and upto 14th September 2014. On 15th September 2014 he will draw the next increment and his basic pay would go up to Rs. 5600/-. Had it been without cumulative effect, his pay would be fixed at the stage where he would have been had he not been punished i.e., he would be stright drawing Rs. 5900/- on 15th September 2014 without going through the stages of Rs. 5600 to Rs. 5800. Thus where the punishment is stoppage of e increments with cumulative effect the loss is enduring or life long whereas where the punishment of stoppage of increments without cumulative effect the loss is short term and does not make difference in the long run.
Hope this clarifies
KK