I Anand Dhawankar joined Punjab National Bank on 15th Feb 1986 as Clerk cum Cashier. Due to honesty devotion & hard working I reached at the level of MMG SL III in the year 2010. While working at RPC Indore during July 2012 to Dec 2012 I was alleged to have committed serious lapses on my part and I was served with the charge-sheet dated 03.06.2013 under regulation 6 of Punjab National Officer Employees (Discipline & Appeal) Regulations 1977. Regular departmental enquiry was conducted which ended with the imposition of major penalty of Dismissal which shall ordinarily be a disqualification for future employment in terms of Regulation 4 (J) of Punjab National Officer Employees (Discipline & Appeal) regulations, 1977.My application of payment of Gratuity is \"declined by competent authority\" in writing on 26.03.2015. How can I get my Gratuity?