Facing Allegations from a Pseudonymous Complaint After Retirement: What Steps Can I Take Now?

I am a retired bank officer of the e-Allahabad Bank, retired on 31.07.2019. On 12.07.2019, I received a charge sheet from our ZO Gonda regarding certain acts of commission when I was posted as branch head in the Sadullanagar branch from 23.04.2007 to 03.07.2010. I vehemently refused all the charges in writing. Then the bank informed me that after my retirement, a departmental inquiry would be instituted.

Meanwhile, my retirement benefits were held by the bank except for my P.F. contribution. During the inquiry period, it transpired to me that this charge sheet was issued to me only after a complaint from a borrower who was sanctioned a tractor loan and a KCC loan by me on 26.02.2010. During the inquiry period, I had clearly proved that the complaint was pseudonymous. However, the IO and DA did not agree with me. The bank passed an order for the recovery of Rs. 200,000 from my terminal dues and released the same after 2 years.

What action should I take now?

Given the circumstances, it is advisable to seek legal counsel to explore options for challenging the decision and the recovery of funds. Here are some steps you may consider taking:

1. Legal Consultation: Consult with a lawyer specializing in labor laws to assess the situation and determine the best course of action.
2. Review Relevant Policies: Review the bank's policies and procedures regarding disciplinary actions and appeals process to understand your rights and options.
3. Formal Appeal: Consider filing a formal appeal within the bank's internal grievance redressal mechanism if available.
4. Documentation: Ensure you have all relevant documents, including proof of innocence and any communication related to the case, to support your appeal.
5. Negotiation: Explore the possibility of negotiating with the bank to reach a resolution that is fair and acceptable to both parties.
6. Stay Informed: Stay informed about any legal developments or changes in the case and be proactive in addressing them.

Remember, seeking legal advice tailored to your specific circumstances is crucial in navigating this situation effectively.