The Appellant/Accused was enlarged on bail on dated 9.3.99 and made in Crl.M.P.1496/99. IN THE HIGH COURT OF JUDICATURE AT MADRAS DATE : 09.03.2007 CORAM: THE HONOURABLE MR.JUSTICE A.C.ARUMUGAPERUMAL ADITYAN Crl.A.No.132 of 1999 D.Sekar .. Appellant/Accused vs. The State, Deputy Superintendent of Police, SPE CBI, Madras. .. Respondents/Complainant Prayer: This appeal has been preferred U/s 374 Cr PC & Section 9 Crl.Law Amendment Act against the Judgment dated 17.02.1999 made in C.C.No.197 of 1997 on the file of the learned Principal Special Judge for CBI Cases, Chennai. For Appellant : Mr.K.Ashokan, Senior Counsel, for Mrs.Gita Ashokan. For Respondent : Mr.N.Chandrasekaran Special Public Prosecutor for CBI cases. JUDGMENT This appeal has been preferred against Judgment in C.C.No.197 of 1997 on the file of the learned Principal Special Judge for CBI Cases, Chennai. The complaint was preferred by the complainant against the accused before the CBI alleging that the accused D.Sekar, Special Assistant, Oriental Bank of Commerce, was working in the Esplanade Branch of the said Bank and he was transferred to Mount Road Branch from 20.4.1987 till the date of suspension on 13.2.1995. During 1992-93 he entered into a criminal conspiracry with an unknown person to do an illegal act viz, to cheat Oriental Bank of Commerce and committed criminal misconduct by misusing or abusing his official position as Special Assistant of Oriental Bank of Commerce, Mount Road Branch, or by illegal means and thereby caused a total wrongful loss of Rs.1,89,110/-, and in pursuance of the conspiracy accused D.Sekar fraudulently and dishonestly by adopting the same https://hcservices.ecourts.gov.in/hcservices/ tactics, fraudulently withdrew a total sum of Rs.67,500/-. The amount of Rs.25,000/- was paid to M/s AEONS Construction and the amount of Rs.42,500/- was transferred to one of his friends account by name G.K.Mohan by making a false representation to him and subsequently withdrew the said amount through G.K.Mohan from his account and received the amount for his personal use. The accused D.Sekar in collusion with an unknown person C.Kumar by misusing or abusing his official position or by illegal means caused a wrongful loss of a total sum of Rs.2,56,610/- to the Oriental Bank of Commerce and thereby committed the offence punishable under Section 120-B r/w 420, 420, 477-A IPC and under Section 13(2) r/w 13(1)(d) of the Prevention of Corruption Act, 1988. The accused D.Sekar was dismised from service on 8.8.1995. The case was taken on file and copies under section 207 of Cr.P.C were furnished to the accused and charges under section 120-B r/w 420, 420, 477-A IPC and under Section 13(2) r/w 13(1)(d) of the Prevention of Corruption Act, 1988, were framed and when questioned the accused pleaded not guilty. 2. On the side of the P.Ws. 1 to 14 were examined and Ex.P.1 to P.179 were marked. 3. 3(a)P.W.1 is the Chief Manager, Inspection and Control Department, Oriental Bank of Commerce. He was entrusted with the work of investigating some fraud instances complained of Oriental Bank of Commerce by the Chief Vigilance Officer in the year 1995. Ex.P.1 is report regarding his investigation submitted to the head office. Ex.P.2 to P.4 are the DCRs issued by our mount road branch in favour of Adayar Gate Hotel Ltd., Madras. Ex.P.5 to P.8 are the FDRs issued by our Mount Road branch in favour of Adayar Gate Hotal Ltd., The CDRs and FDRs earned interest of Rs.2,45,120/- and above CDRs and FDRs have been renewed on 7.1.1992, for 12 months. The accrued interest are of Rs.2,45,120/- was kept in Sundry deposit. Out of the interest accrued part amount of Rs.1,62,687/- was converted as VDR No.67/92 dated 8.1.1992. This CDR was issued in favour of Adayar Gate Hotel Ltd., Madras for the period of 3 years. This amount was transferred to sundry deposit to CDR in Voucher dated 8.1.1992 ie., Ex.P.9. This was done by the accused. That the CDR was premature and principal amount of Rs.1,62,687/- was paid to Adayar Hotel on 27.10.1993. The interest of Rs.35,682-20 was paid on 2.11.1993 to the beneficiary namely Adayar Gate Hotel. The remaining amount of Rs.82,433/- was converted into STDR on 13.1.1992. Its number is 18/92 ie., Ex.P.10. This was for 46 days. This STDR amount was paid on 5.3.1992 along with interest of Rs.1142.75. Out of this total amount of Rs.83,575.75 another STDR for Rs.50,000/- bearing No.84/92 favouring Adayar Gate Hotel Ltd. was issued. The credit voucher is Ex.P.11. Out of the remaining amount of Rs.33,575.75 and an amount of Rs.23,000/- were credited in the current account NO.1303 of one Sr.P.S.Govindaraj and for Rs.10,575.75 CDR NO.159/92 was issued favouring Govindaraj for a period of 36 https://hcservices.ecourts.gov.in/hcservices/ months. The credit Voucher is Ex.P.12. All credit vouchers are signed by the accused. The CDR was pre-closed on 17.3.1992 to the credit cash voucher signed by accused. The FDR issued on 5.3.1992 for Rs.50,000/- was credited in to the sundry account on 18.5.1992 along with interest of Rs.50,693.15. On 20.5.1992 from the sundry account sum of Rs.50,693-15 was converted into STDR bearing No.193/92 and 194/92 for Rs.10,000/- and 15,000/- favouring K.Ravi for a period of 46 days. The balance of Rs.25,000/- has been utitlised in pay order in favour of AEONS Constructions. The said construction encashed the pay order. The pay order is Ex.P.13 for Rs.10,000/- STDR credit voucher is Ex.P.14. For 15,000/- STDR credit voucher is Ex.P.15. Both the STDR were premature and paid on 23.5.1992 through credit cash voucher passed by the accused. AEONS construction is neither having account in the bank nor deposit. The remaining amount of Rs.693.15 was credited in the interest paid in CDR account and the credit voucher is Ex.P.16. By this process the accused has misappropriated a sum of Rs.83,575.75 on the date of his investigation. 3(b) On 6.11.1991 69 STDRs bearing No.334/91 to 393/91 for Rs.50,000/- each for 46 days were issued in the name of different persons. All the STDRs were closed on 9.6.1992. The interest accrued to Rs.1,49,178/- was converted as CDRs. Bearing No.261/92 for 24 months. The 60 STDRs closed on 9.6.1992 were converted into as 6 CDRs each for Rs.5 lakhs in favour of different persons. Ex.P.17 is the ledger maintained by the bank. In this, in different account Nos. all the 60 STDRs are shown. For converting the 60 STDRs into 6 CDRs the credit vouchers are Ex.P.18 to 24. In this vouchers CDRs numbers are given. On the same day all these amounts were credited on the same day by the accused. In one voucher another officer also has signed along with the accused. The accrued interest were converted as CDR in favour of one G.Sahar for the period of 2 years and the credit voucher is Ex.P.25. On 9.6.1992 the amount of Rs.46,110/- was debited from the interest paid account on the same FDRs i.e. 134/91 to 391/91 through credit cash voucher. That credit cash voucher is Ex.P.26. This credit voucher are signed by the accused and Rakesh Malhothra the then Senior Manager of the bank. Another voucher for Rs.46,110 was also issued under CDR No.268/92 favouring C.Kumar was issued for 24 months. That credit cash voucher is Ex.P.27. This CDR preclosed on 28.7.1992 and this amount was credited in the savings bank account No.4837 of Shri.C.Kumar. Out of this amount a sum of Rs.46,000/- was withdrawn on the same day by the accused through withdrawl slip and the same is Ex.P.28. On the bank side of this withdrawl slip cashier concerned has written "Received by D.Sekar (Staff)". This will go to show that the payment was received by the accused and he has debited the interest twice one at the time of payment of interest to the CDR then to the interest paid account, in the name of C.Kumar. https://hcservices.ecourts.gov.in/hcservices/ 3(c) Ex.P.29 is the FDR and CDR register maintained by the bank. On 21.12.1991 our bank has issued FDRs No.68/91 to 103/91 for Rs.50,000/- each in favour of S.Ravindran and M.Arunachalam. On 6.1.1992 the bank has issued CDRs Nos.1/92 to 42/92 for Rs.50,000/- each in favour of S.Ravindran and DERs No.43/92 to 56/92 for Rs.50,000/- each favouring Mr.Arunachalam. On 18.11.1991 STDRs were issued in the name of S.Raviddran each for Rs.1,05,000/- bearing Nos.409/91 to 413/91. On the same day STDR Nos.415/91 to 419/91 were issued in favour of Arunachalam each for Rs.1,05,000/-. These STDR, RDR, CDR file is Ex.P.29. All the above deposits were paid on 18.06.1992 along with interest to the credit of current account No.1359 of Messers Hightech instrument and controls. Ex.P.30 to 33 are the debit vouchers for the above payment. The corresponding credit vouchers are Ex.P.34 to P.37. On the same day again the accused debited from the interest paid account against the same FDR, CDR and STDRs totaling Rs.79,182/- under four different vouchers and they are Ex.P.38 to 41. In these vouchers the accused and Rakesh Malhothra have signed. The other officer signed as counter signature, which is a formal one. The accused has issued one STDR bearing No.233/92 in favour of C.Kumar for the period of 6 months. That STDR is Ex.P.42. For this credit voucher is Ex.P.43. The STDR account was preclosed on 5.8.1992 and the total amount of Rs.80,432.50 was debited from the STDR and transferred to SB account No.4837 of Mr.C.Kumar under Ex.P.44. From this account Rs.81,000/- was withdrawn by the accused in the name of Kumar under Ex.P.45. There is an endorsement on the back side of Ex.P.45 to the effect that the amount has been withdrawn in the name of Kumar. It is stated that the amount was received by the accused. Ex.P.45 appears to have been written by the accused. On the back side of the document the cashier concerned made a note "received by D.Sekar (staff)". By this process accused had misappropriated a sum of Rs.80,432.50 from the bank. Ex.P.46 is the corresponding credit voucher for Ex.P.44. By using the account number of C.Kumar the accused wrongfully caused loss to the bank to the tune of Rs.80,432.50. Ex.P.47 is the statement of account of C.Kumar for S.B.Account No.4837. Ex.P.48 is specimen signature pertaining to the account No.4837. 3(d) Ex.P.49 is the CDR and FDR ledger. On 22.7.1992 the amount of Rs.62,324.70 was debited to interest paid CDR account with 3 different vouchers for Rs.2,304/-, Rs.1,115/- and Rs.58,905/- under Ex.P.50, 51, & 52 amount of interest on CDR Nos.105/92 to 116/90 and CDR Nos.122/92 to 132/90 and FDR Nos.104/91 to 131/91 respectively. Ex.P.50 to 52 were checked by the accused. The corresponding vouchers for Ex.P.50 to 52 are Ex.P.53 to P.57. These amounts were credited into CDR account. Again under Ex.P.58 to P.60 credited to CDR amount on the same day. Again on the same day accused debited CDR account for Rs.2,304/- and Rs.1,115.70. The debit vouchers are Ex.P.16 & P.62. Corresponding credit vouchers are Ex.P.53 & 54. The STDRs were issued in the name of K.Natraj for 46 https://hcservices.ecourts.gov.in/hcservices/ days bearing Nos.301/92 and 300/92. The two STD receipts are Ex.P.63 & 64. Again on 23.07.1992 FDR account for Rs.58,905/- was transferred to STDR account and three STDR were issued in the name of K.Natarajan for 46 days, two for each Rs.20,000/- and one for Rs.18,905/-. Ex.P.65 is the debit voucher corresponding to three STDRs (Ex.P.55 to P.57). The STDR are Ex.P.66 to P.68. These STDR are signed by D.Sekar and another officer. On 20.8.1992 all the above three STDR were preclosed and the amount was credited to the account of C.Kumar bearing No.4837. On the same day Rs.62,000/- was withdrawn from the said account through withdrawal form Ex.P.69. On the same day simultaneously accounts were preclosed and transferred to S.B.Account and withdrawn. Ex.P.69 withdrawal form appears to have been written by the accused. On the back side of this document the concerend cashier who made the payment is written as D.Sekar. The withdrawal form also appears to have been initialed by D.Sekar on the back side. By this process the accused has created a loss to the bank to the tune of Rs.62,324.70. The CDRs bearing No.105/92 to No.116/90 and 122/90 to 132/90 are Ex.P.70 to 91. 3(e) On 27.10.1993 the amount of Rs.42,500/- was debited into STDR account on account of payment of STDR No.437/93. The debit voucher is Ex.P.92. Corresponding credit voucher is Ex.P.93. This STDR number is a fictious one. The corresponding debit of Rs.42,500/- was put in to S.B.account No.6431 of one Shri G.K.Mohan. This entire amount was withdrawn by the cheque No.875242 dated 27.10.1993 favouring self. That cheque is Ex.P.94. By this withdrawal actual STDR account was reduced by Rs.42,500/- to compensate that account accused debited interest paid CDR account of Rs.80,560.10 and the voucher Ex.P.95 was signed by the accused. The corresponding credit was given to STDR account, under Ex.P.96 by the accused. By this the STDR account was raised by Rs.38,060.10. The excess amount was withdrawn by credit cash voucher. By this process the accused has withdrawn fradulently Rs.80,560.10 from the bank. The accused was the general secretary of workman union. Since he has to be union leader other staff members have not objected. After the investigation he has enquired the accused. P.w.1 was staying in Breeze Hotal. On 24.4.1995, the accused came to his (P.W.1) room at about 4.30 pm. P.W.1 enquired about the entries. The accused denied stating that he has not been benefited by the entries and subsequently he confessed that he has misappropriated a sum of Rs.2,50 lakhs. P.W.1 asked him to give a written statement regarding what ever he wants to say. At that time Mr.O.P.Agarwal and Shri K.B.Jain ware present. The accused wrote his confession statement in the presence of P.W.1, which is Ex.P.97. Ex.P.97 was written by the accused without any pressure of any external influence. He has signed in the statement and two witnesses have also signed and the statement was addressed to P.W.1. The total amount misappropriated by the accused come to Rs.11 lakhs. Ex.P.98 is the carban copy of report submitted by P.W.1 in respect of the investigation he had conducted. https://hcservices.ecourts.gov.in/hcservices/ 4. P.W.2-Mr.O.P.Agarwal is working as a Manager Oriental Bank of Commerce, Inspector and Control Department New Delhi. Along with P.W.1, P.W.2 has also come to Madras to investigate the case. On 24.4.1995 afternoon accused came to the hotel after 2.00 pm, where P.W.1 & P.W.2 were staying. On examination, according to P.W.2, the total misappropriated amount comes to approximately 11 lakhs. The accused initially was hesitant to accept the amount Rs.11 lakhs fraud committed by him. During further examination and after showing the relevant papers relating to the transaction, the accused had accepted that he has misused upto Rs.2.50 lakhs. After his admission he was informed that if he wants to say anything it should be given in writing. After that he was staying separately and wrote a letter addressed to P.W.1. The said letter is Ex.P.97. P.W.2 has also signed in Ex.P.97 as a witness. The other witness is Mr.K.B.Jain, Chief Manager, Mount Road, Madras Branch. Ex.P.97 is in the handwriting of the accused. This letter was given by the accused on his own will. 5. 5(a) P.W.3 would depose that he was working as Clerk-cum- Cashier, Oriental bank of Commerce, Regional Office at Lucknow. Since June 1984, P.W.3 is working in Oriental Bank of Commerce. He was working in the Madras Branch in the year 1990. Mr.Rakesh Malhotra was the senior Manager. P.W.3 would state that the accused was Special Assistant and General Secretary of Tamil Nadu State Employees Association of Oriental Bank of Commerce, Tamil Nadu State. He was also incharge of fixed deposit. As Special Assistant, he will pass all the vouchers pertaining to fixed deposits. At that time P.W.3 was working as a Head Cashier. The credit cash voucher for making cash payment dated 17.3.1992 for Rs.10,575/- is Ex.P.99. This voucher has been passed by the accsued D.Sekar. This proceedings under C.D.R.No.159/92 in the name of Govindaraj. On that day he (P.W.3) is the cashier. Token No.65 was issud on that day. On that day P.W.3 made the payment of Rs.10,575.75. Through Ex.P.99 payment was made by the accused D.Sekar. At the time of payment P.W.3 did not obtain the signature of the accused and it was already signed. Another credit cash voucher dated 23.5.1992 for Rs.10,000/- is Ex.P.100. The payment was made in favour of K.Ravi and the voucher was passed by the accused. This voucher was prepared on maturity S.T.D.R.No.193 of 1992. This amount was also paid by P.W.3 and the accused received the money. The token was also brought by the accused D.Sekar. Another credit cash voucher dated 23.5.1992 for Rs.15,000/- is Ex.P.101. That is also in favour of Ravi. This voucher was also passed by the accused D.Sekar. After passing of voucher payment will be made. P.W.3 insisted for the accused to bring Ravi. But the accused used to tell that he is one of his best friends and he came to collect the money since the accused was very busy in making payments, so he requested him to collect the money from cashier and handover money at his house. P.W.3 paid the amount https://hcservices.ecourts.gov.in/hcservices/ to the accused. Before making payments without the presence of payee P.W.3 reported the senior Manager the same. But he instructed P.W.3 to pay the cash to the accused D.Sekar. S.T.D.Rs bearing Nos.193/92, 194/92 are Ex.P.102 and P.103. Basing on the maturity of S.T.D.Rs Ex.P.102 and P.103 payments are made through Ex.P.100 and P.101. The withdrawal slip dated 28.07.1992 for Rs.46,000/- on S.B. Account No.4837 standing in the name of C.Kumar bearing token No.20 passed by Soundra Rajan and this payment was made by P.W.3 to the accused D.Sekar. 5(b) P.W.3 would further depose that he has not seen Kumar and the token was brought by the accused D.Sekar and the accused has refused to sign on the back of the voucher. This was informed to Senior Manager who had instructed P.W.3 to handover the cash to the accused but this time P.W.3 wrote on the back side of the voucher Ex.P.28 'Received by D.Sekar, (Staff)". P.W.3 has made payment to the accused D.Sekar and as a cashier P.W.3 has singed. P.W.3 would further depose that he is familiar with the handwriting of the accused. The withdrawal slip is filled up, which was in the handwriting of the accused. The credit cash voucher Ex.P.38 dated 18.6.1992 for Rs.7,169/40 being the interest paid on F.D.R.No.86/91 to 103/91. Ex.P.39 is the credit cash voucher dated 18.6.1992 for Rs.7,059.60 being the interest paid to the F.D.R.Nos.68/91 to 85/91. Ex.P.40 is another interest paid voucher on C.D.R.Nos.1/92 to 56/92 for Rs.21,918/40. Ex.P.41 is the cash credit voucher dated 18.6.1992 for a sum of Rs.43,035.50 for S.T.D.D.R.Nos.409/91 to 419/91 except 414/92. Ex.P.43 is the cash deposit voucher, cash to be deposited in the account of S.T.D.R.No.233/92 favouring C.Kumar. This amount was not received by P.W.3. This document also contains the writing of the accused D.Sekar. The total amount is Rs.79,182.90. Ex.P.38 is passed by the Rakesh Malhotra, Senior Manager. Ex.P.39 is pased by the accused D.Sekar and Ex.P.40 is passed by Rakesh Malhotra, Senior Manager. Ex.P.41 is passed by Rakesh Malhotra. All the above Ex.P.31 to 41 amounts are paid by P.W.3. The amount of these voucher were paid to CR.Nair, Accountant, Adayar Gate Hotel. Ex.P.45 is withdrawal slip dated 7.8.1992 for Rs.81,000/- from S.B. Account No.4837 in favour of C.Kumar was paid by P.W.3 to the accued D.Sekar. This time also the accused refused to make receiving signture. Hence, P.W.3 wrote on the back of the voucher "received by D.Sekar, (staff)". After reporting to Senior Manager and some other Managers, P.W.3 paid the cash to the accused D.Sekar. This withdrawal slip is filled in by the accused D.Sekar. Ex.P.69 is withdrawal slip dated 20.08.1992 for Rs.62,000/- from S.B.Account No.4837 favouring C.Kumar in token No.15. This withdrawal form is also filed by the accused D.Sekar. But, this amount was not paid by P.W.3. The white paper covers a part of the signature and words a part of the court seal. On the back initial of C.Kumar is there in black. The accused happens to be a staff and Union leader nobody resisted. https://hcservices.ecourts.gov.in/hcservices/ 6. P.W.4-Motila is working as an officer in OrientalBank of Commerce, Tirupur. From 1986 to 1994 he was working in Mount Road branch as cleark-cum-cashier. He knows the accused D.Sekar. During that period he was working as Special Assistant. He was a General Sercretary of the Employees' Union of the State. There were working together for nearly 5 or 6 years. P.W.4 is familiar with the handwriting and signature of the accused. Ex.P.94 is the cheque dated 27.10.1993 for Rs.42,500/- drawn in favour of G.K.Mohan issued by P.W.4. Cheque No.875242 dated 27.10.1993 payment was released by one Mr.K.Raghavan incharge of Savings Bank account. P.W.4 is the cahsier on that day and he paid that amount to G.K.Mohan. Ex.P.97 is the letter dated 24.4.1995 addressed to Chief Manager, Inspection & Control Department, Oriental Bank of Commerce, New Delhi, written by the accused D.Sekar and signed by him. 7. P.W.5- Roshan Rippet is the Manager in the Mount Road branch of Oriental bank of Commerce. P.W.5 would depose that she knows the accused D.Sekar since he was working as a Special Assistant in the Mount Road branch. P.W.5 would depose that voucher Ex.P.104 prepared by the clerk for issue of S.T.D.Rs for Rs.83,433/-, authorised by the accused D.Sekar. On the basis of Ex.P.104. Ex.P.10 was issued by their branch in favour of Adayar Gate Hotel, Madras. First signature in Ex.P.10 was signed and approved by the accused D.Sekar and P.W.5 made the second signature. She could identify the signature of the accused D.Sekar. Ex.P.43 is the credit voucher dated 18.6.1992 for Rs.79,182.90 in favour of C.Kumar for issue of S.T.D.Rs. Basing on Ex.P.43, Ex.P.42 S.T.D.R. Receipt bearing No.233/92 and printed No.762133 dated 18.6.1992 for Rs.79,182-90 in favour of C.Kumar signed by the accused D.Sekar approved by him which was prepared by a clerk. P.W.5 has made her second signature. Ex.P.55 is S.T.D.R. Voucher dated 23.7.1992 for Rs.20,000/- favouring K.Nataraj. Ex.P.56 is the S.T.D.R. Voucher dated 23.07.1992 for Rs.20,000/- favouring K.Nataraj. Ex.P.57 is S.T.D.R. Voucher dated 23.7.1992 for Rs.18,905/- favouring K.Nataraj. The above 3 vouchers contain the initials but P.W.5 did not know to whom they belong. On the basis of Ex.P.55, F.D.R. receipts bearing No.762207 dated 23.07.1992 for Rs.20,000/- in favour of K.Nataraj for a period of 46 days, which is Ex.P.66. On the basis of Ex.P.56, Ex.P.67, F.D.R. Bearing No.767208 dated 23.7.1992 for Rs.20,000/- favouring K.Nataraj for a period of 46 days, and on the basis of Ex.P.57 and Ex.P.68 F.D.R. bearing N.762209 dated 23.7.1992 for Rs.18,905/- favouring K.Nataraj for a period of 46 days. In Ex.P.66, P.67, and P.68 the first signatory is the accused D.Sekar signed and approved by him and P.W.5 made the second signature. The accused was incharge of deposit section. Based on the first signature P.W.5 has made the second signature. As per rules the documents bear two signatures. 8. P.W.6 is also working in Oriental bank of Commerce as Clerk- cum-teller in Overseas branch, Madras. During 1985 to 1991 she was https://hcservices.ecourts.gov.in/hcservices/ working as clerk in the Mount Road branch. On 29.6.1990 she prepared CDR bearing No.105 to 116 of 1990 marked as Ex.P.72 to P.81. Ex.P.50 is the ledger pertaining to Ex.P.70 to Ex.P.81. Ledger entries pertaining to Ex.P.105 to Ex.P.116 were written by P.W.6. On 22.7.992 the CDR Ex.P.70 to Ex.P81 were closed for which necessary entries were made by their bank in Ex.P.105 to Ex.P.116. It was authenticated by the accused D.Sekar, who has initialled in the ledger. P.W.6 worked along with the accused for six years and she could identify the signature of the accused. The ledger relating to CDR.88/90 dated 4.6.1999 and CDR.122/90 dated 5.7.1990 were not prepared by P.W.6. Ex.P.117 is the original ledger of STDR bearing No.88/90. 9. 9(a) P.W.7-Sundarsan is working in Oriental Bank of Commerce in Overseas Branch in Madras, from April 94. He joined in the service on 15.12.88 in Regional Office Bombay. In January 1990 He was transferred to