JUDGMENT Yadav, J. -- 1. This intra-Court appeal under section 2(1) of Madhya Pradesh Uchcha Nyayalaya (Khand Nyayapeeth Ko Appeal) Adhiniyam, 2005 is directed against the order dated 19.1.2006 passed in Writ Petition No.2468/2004; whereby writ Court negatived the challenge to an order of dismissal dated 6.7.1993 and its affirmation in appeal dismissed on 30.3.1994. 2. The petitioner while holding the post of Assistant Manager in Junior Management Grade Scale I, State Bank of India, Morena was charge-sheeted on 25.5.1990; whereby, following charges were levelled against him, viz. : (i) You sanctioned advance in an irregular manner, indulged in falsification of records and benefitted yourself/borrower by floating/granting the loans. You have thus misused your official position. You exhibited lack of devotion to duty and unbecoming of a Bank official. (ii) You sanctioned advance in an irregular manner beyond discretionary powers and by these acts undue favours have been passed on to the borrowers at the cost of the Bank. You have exhibited lack of devotion to duty and acted in a manner unbecoming of Bank’s official. (iii) You sanctioned advance to the borrower in a dubious manner enabling him to derive undue benefits at the cost of the Bank. You exhibited lack of devotion to duty. Thus you acted in a manner unbecoming of a Bank official. (iv) Finance/benefit of subsidy have been extended to the borrowers even though their earlier loan accounts were running in default. Since the loans later sanctioned by you to the borrowers are in default, you have exposed the Bank’s interests to jeopardy. (v) In violation of the laid down instructions undue benefit of subsidy/loan amount have been passed on to the borrower. You exhibited lack of devotion to duty and acted in a manner unbecoming of a Bank official. (vi) You, misusing your official position, derived the benefit of the loan/Government subsidy for yourself and thereby put the Bank’s interests to jeopardy. You failed to discharge your duties with utmost devotion. You have also acted in a manner unbecoming of a Bank official. (vii) By releasing the amount of loans for the purpose other than the ones for which the loans were sanctioned and by non-creation of assets which enabled the borrowers to misutilise the loan amounts, undue favours have been passed on to them. You have exhibited lack of devotion to duty being unmindful of the Bank’s interest. (vii) By releasing the amount of loans for the purpose other than the ones for which the loans were sanctioned and by non-creation of assets which enabled the borrowers to misutilise the loan amounts, undue favours have been passed on to them. You have exhibited lack of devotion to duty being unmindful of the Bank’s interest. (viii) You sanctioned the loans in a dubious manner, by misusing your official position and undue favours have been passed on to the borrowers. You have unmindful of the Bank’s interest. The Bank’s interests have been put to jeopardy. (ix) Your above acts are in contravention of rules No. 32(1) and 32(4) of the State Bank of India (Supervising Staff) Service Rules. The Bank has been saddled with substantial loss. 3. On the delinquent denying the charges, a regular departmental enquiry was held. 4. As per record, delinquent engaged Shri D.K. Jain, Officer, JMGS Grade I as his defence counsel; however, as the defence counsel did not appear in any of the hearings, the delinquent defended his case. And it was only when the prosecution had closed its case, delinquent engaged Shri K.N. Sharma, Officer MMGS II as his defence counsel who participated in hearing on and after 22.1.1992. 5. Record further reveals that, prosecution presented 600 documents; whereas 58 documents were produced by the delinquent in defence. For prosecution out of 11 witnesses, six persons appeared for deposition. The delinquent examined 7 defence witnesses and submitted 198 pages of defence statement on the closure of proceedings. 6. That, out of eight charges, charge No.1 was found partly proved and charge No. 6 was not found proved. Whereas, charges No.2, 3, 4, 5, 7 and 8 were found proved. 7. As evident from the enquiry report on record, the enquiry officer found the charges as to the persons whose name found mention in imputation of charges were not found to be the delinquent’s relative. However, on the basis of material on record found following illegalities committed by the delinquent, viz., (a) The purpose of loan was not recorded any where. (b) The entire sanction amounts were disbursed in cash and that too on the date the loans were sanctioned (PEX A-5, B-7 and C-6). (c) There was no proper turn over in any of the accounts and all the accounts were closed on 18.10.83 by depositing Rs.3,800/- in each account (A-7, B-6 and C-9). (b) The entire sanction amounts were disbursed in cash and that too on the date the loans were sanctioned (PEX A-5, B-7 and C-6). (c) There was no proper turn over in any of the accounts and all the accounts were closed on 18.10.83 by depositing Rs.3,800/- in each account (A-7, B-6 and C-9). The deposit vouchers have been prepared by the CSO in his own hand writing by writing account closed at the place ‘By’. (d) None of the credit slips was signed by the concerned borrowers. (e) Shri Madan signed the documents in Hindi (PEX B) while Shri Mohan signed certain papers in English (PEX A-1 to 4 and A-8) and has affixed his thumb on control card (PEX A-6). Shri Murari has put his thumb impressions on all the documents (PEX C-1 to C-5). (f) All the persons appear to be sons of Shri Damodar Prasad and were resident of village Padrai (PEX A-6, B-8 and C-7) and appear to be inter related with each other as real brothers. (g) The CSO disbursed the Agricultural Terms Loans to the borrowers (PEX ‘F’ and ‘H’) even after 15 days of relinquishing the charge of his assignment (PEX 597) and (DEX 11) and also defence brief page 29) and that also before completing the various formalities such as obtaining photographs etc. (h) When he was not holding charge on the particular day he recklessly and in a dubious manner disbursed these loans, which he had sanctioned earlier. (i) He also kept his successor and the Branch Manager of the Branch completely in dark.” 8. Though it is contended on behalf of the appellant that, the management having failed to establish the borrowers having relation with delinquent, the finding of holding him guilty of committing misconduct in disbursing loan in favour of these persons suffers the vice of perversity. The submissions though attractive have no legal foundation, for the reason that the delinquent has failed to demolish the findings regarding disbursement of loan and if a relationship is not established, the disbursement being contrary to the terms and conditions and the norms laid down by the Bank, will not absolve the delinquent of the said accountability as being a Bank Officer holding a responsible post: JMGS I, he was required to exercise, higher standards of honesty. That is how it has been held by Their Lordships in Chairman and Managing Director, United Commercial Bank and others v. P.C. Kakkar [ (2003)4 SCC 364 ], that : “14. A Bank Officer is required to exercise higher standards of honesty and integrity. He deals with money of the depositors and the customers. Every officer/employee of the Bank is required to take all possible steps to protect the interests of the Bank and to discharge his duties with utmost integrity, honesty, devotion and diligence and to do nothing which is unbecoming of a Bank officer. Good conduct and discipline are inseparable from the functioning of every officer/employee of the Bank. As was observed by this Court in Disciplinary Authoritycum Regional Manager v. Nikunja Bihari Patnaik [ (1996)9 SCC 69 ], it is no defence available to say that there was no loss or profit resulted in case, when the officer/employee acted without authority. The very discipline of an organization more particularly a Bank is dependent upon each of its officers and officers acting and operating within their allotted sphere. Acting beyond one’s authority is by itself a breach of discipline and is a misconduct. The charges against the employee were not casual in nature and were serious. These aspects do not appear to have been kept in view by the High Court.” 9. Perusal of enquiry report reveals that the Enquiry Officer on the basis of the material evidence on record, by dwelling it threadbare, recorded the findings as regard to respective individuals, Mohanlal s/o Damodar, Mohan s/o Damodar, Madanlal (Madan) s/o Damodar Murarilal (Murari) s/o Damodar Prasad (Damodar), Murarilal (Murari) s/o Damodar Prasad (Damodar), Murari s/o Damodar and the violation of norms committed while disbursing the loan to these persons. 10. Similarly as regard to other charges also the Enquiry Officer was meticulously dwelt upon the material evidence, e.g., as regard to charge No.3, the Enquiry Officer found that the borrower though recommended by the DIC under the SEEUY Scheme of Finance, but was a defaulter of the Bank and though not entitled yet was disbursed the loan without carrying out presanction survey. Without prior sanction placed the order for required assets. Without obtaining quotation, invoice bills etc. to elder brother of the borrower and while disbursing loan, on the date of application accepted STDR for the same amount and sanctioned overdraft by opening a new current account. Without prior sanction placed the order for required assets. Without obtaining quotation, invoice bills etc. to elder brother of the borrower and while disbursing loan, on the date of application accepted STDR for the same amount and sanctioned overdraft by opening a new current account. As to charge No.4, the Enquiry Officer found the irregular financing was done as no photographs of the borrower was obtained and pasted and the financing was concealed. 11. As regard to Charge No.5 the Enquiry Officer noticed following irregularities resulting in non performing account, viz., (i) The loan application of borrower is blank, he should have got it filled in, considering the present and future needs of the borrower. (ii) No apprisal assessment was made when the account was to be considered on an ongoing basis. It was a must. He should have done it with proper care. (iii) If buffaloe calf rearing and/or jersey cow rearing scheme was considered he should have prominently placed on record the important terms and conditions of the finance, which are required to be observed by the borrower and should have kept the copy of the scheme on record. But neither he obtained these papers nor hand filled in the application form (application blank). (iv) The arrangement letter, the repayment schedule etc. should have been prepared and should have been rigidly followed. (v) While providing the animals to the borrower no care was taken by the CSO. In such cases more importance is attached to quality and breed of an animal. 12. As regard to charge No.7 the Enquiry Officer recorded the findings that there was no actual supply of Buffaloes and/or pumpsets and pipe lines, after considering following aspects based on material evidence, viz., (i) Who was the supplier ? and why the CSO was interested in him? (ii) Why the supply was considered necessary from a place far away from Saugor and situated in Maharashtra State. (iii) Was there a renowned cattle market at Dondaicha? If so why this mediator was necessary? (iv) On the same lines why the order for diesel, pumpsets was placed to him? When various other dealers, including Shakti Agencies of Saugor (who reportedly supplied the pumps) was there? Why quotations final receipts etc were not otained and kept on record? (iii) Was there a renowned cattle market at Dondaicha? If so why this mediator was necessary? (iv) On the same lines why the order for diesel, pumpsets was placed to him? When various other dealers, including Shakti Agencies of Saugor (who reportedly supplied the pumps) was there? Why quotations final receipts etc were not otained and kept on record? (v) All the loan accounts of the referred borrowers have gone bad and the outstandings were required to be transferred to Protested Bills Account (PEX Q-22 and 23, R-25 and 26, S-22 and 23). None of the borrowers had deposited any small instalment in repayment of loan. The bank has to suffer a total loss to the tune of Rs.40,565.31 (Rs.7,636.83 + Rs.5,885.05 + Rs.7,336.90 + Rs.5,897.25 + Rs.7,661.83 + Rs.5,847.45). 13. In respect of Charge No.8, the Enquiry Officer on the basis of the material evidence on record has returned following findings “You sanctioned 18 DIR loan accounts as per Annexure ‘A’ for Rs.5,000/- each on 26.10.83 and the benefit of subsidy to borrowers appearing at Sl. Nos.1, 2, 3, 11 and 14 of the annexure ‘A’ has been extended. On the same day you disbursed the loans by crediting the amounts to the S.B. A/c of the beneficiaries. The amounts remained in the S.B A/c for about 9 months and were withdrawn by all the borrowers on 1.8.1984 and 3.8.1984 only. No presanction survey and post verification of assets are recorded. No formalities like obtaining of S.B. A/c opening form etc. were fulfilled and these proforma accounts are opened in the ledger sheets with the initial credit of loan amount of Rs.5,000/- each. At a later date you credited the subsidy amount in five cases as mentioned in Annexure ‘A’. Out of the above lot of borrowers the following are close relatives amongst themselves. “Accounts No. Name of the borrower (S/Shri) 8/65 Palturam Gound s/o Shri Samli Gound 8/80 Gyani s/o Shri Paltoo Ram 8/75 Gaya Prasad s/o Shri Nannu Gound 8/76 Ram Ratan s/o Shri Gaya Prasad Gound 8/67 Gaya Prasad s/o Shri Girdhari Lal Rawat 8/72 Khushal Rawat s/o Shri Girdhari Rawat 8/73 Durjan Chamar s/o Shri Hirraw Chamar 8/78 Komal Chamar s/o Shri Durjan Chamar Due to all these irregularities no assets were created and the loan amounts were fully misutilised. These loan accounts went bad and ultimately total outstandings have been transferred to Branch Protested Bills Account causing sizeable loss to the Bank.” 14. Thus the findings arrived at by the Enquiry Officer being based on the material evidence on record, learned counsel appearing for the delinquent appellant miserably fails to establish that they suffer the vice of perversity. 15. It is further urged on behalf of the appellant that the delinquent was not afforded proper opportunity of hearing as the relevant documents were denied to him. 16. Learned counsel for the appellant though laboured hard to establish the contention; however, bare perusal of documents Annexures P-4, P-5 and P-6, annexed with the writ petition negatives the claim that the delinquent was deprived of the reasonable opportunity of hearing. Appellant acknowledged the communication dated 18.8.1990 which was in the following terms : “With reference to your letter dated 17.8.1990, demanding perusal of certain documents/registers, you have verified all the related original documents pertaining to the charges levelled against you except some of the original documents as mentioned in your letter. However, the photocopies of such documents have been perused by you and the originals thereof will be shown to you at the time of enquiry. Further you are allowed to carry out perusal of Branch Units Inspection Register for which you may proceed to Jaisinagar Branch. Please note to submit your defence statement within 7 days from the date of perusal of the above said register.” 17. There is no denial of the contents of said communication nor of the fact that during enquiry the appellant was shown the original documents. The contention therefore are from the real that the appellant was not given the reasonable opportunity of hearing. It has been observed by their Lordships in The Chairman, Board of Mining Examination and Chief Inspector of Mines and another v. Ramjee [ (1977)2 SCC 256 ], (at p.262) that “Natural justice is no unruly horse, no lurking land mine, nor a judicial cureall. It has been observed by their Lordships in The Chairman, Board of Mining Examination and Chief Inspector of Mines and another v. Ramjee [ (1977)2 SCC 256 ], (at p.262) that “Natural justice is no unruly horse, no lurking land mine, nor a judicial cureall. If fairness is shown by the decisionmaker to the man proceeded against, the form, features and the fundamentals of such essential processuals propriety being conditioned by the facts and circumstances of each situation, no breach of natural justice can be complained of.” Therefore, of late, the law has come to take rest that in a given case unless established that a prejudice is caused a decision cannot be interfered with. 18. In the case of Bank of India and others v. T. Jogram [ (2007)7 SCC 236 ], it is held : “15. By now it is well settled principle of law that judicial review is not against the decision. It is against the decision making process. In the instant case, there are no allegations of procedural irregularities/illegality and also there is no allegation of violation of principles of natural justice. Counsel for the respondent tried to sustain the allegation of malafide. He tried to assert that the respondent filed a case against the Chief Manager of Secunderabad Branch in 1996 and the enquiry initiated against the respondent is the fall out of malafide. We are unable to accept the bald allegations. The allegation of malafide was not substantiated. It is well settled law that the allegation of malafide cannot be based on surmises and conjectures. It should be based on factual matrix. Counsel also tried to assert the violation of principles of natural justice on the ground that the documents required by the respondent were not supplied to him. From the averment it is seen that the documents, which were sought to be required by the respondent, were all those bills submitted by the respondent himself before the authority. In these circumstances, no prejudice whatsoever was caused to the respondent.” 19. The present case when adjudged on the principle of law laid down in Ram Pal Chauhan (supra), leaves no scope for interference, as no prejudice is shown to have been caused to the appellant, who was given the opportunity to have the access to the departmental documents having relevance and relied upon by the management in establishing the charges framed. 20. 20. Furthermore, the appellate authority while taking into consideration various grounds raised by the appellant considered the same by the speaking order, as would leave any scope for interference vide juridical review, as the scope of judicial review in a departmental enquiry and unless established that there has been “(i) a violation of principle of natural justice or (ii) the proceedings have been held in violation of statutory regulation prescribing mode of such enquiry, (iii) the decision is vitiated by consideration extraneous to the evidence and merits of the case or (iv) if the conclusion made by the authority is ex facie arbitrary or capricious that no reasonable person could have arrived at such conclusion {please see High Court of Judicature at Bombay through its Registrar v. Shashikant S. Patil and another [(2000)1 SCC 716]}. 21. In Chairman and Managing Director, V.S.P and others v. Goparaju Sri Prabhakara Hari Babu [ (2008) 5 SCC 569 ] it is held : “20 The jurisdiction of the High Court in this regard is rather limited. Its power to interfere with disciplinary matters is circumscribed by well known factors. It cannot set aside a well reasoned order only on sympathy or sentiments. {See Maruti Udyod Ltd. v. Ram Lal and others [ (2005)2 SCC 638 ]; State of Bihar and others v. Amrendra Kumar Mishra [ (2006)12 SCC 561 ]; SBI v. Mahatma Mishra [(2006)13 SCC 727; State of Karnataka v. Ameerbi and others [ (2007)11 SCC 681 ]; State of M.P. and others v. Sanjay Kumar Pathak and others [ (2008)1 SCC 456 ] and Uttar Haryana Bijli Vitran Nigam Ltd. and others v. Surji Devi [ (2008) 2 SCC 310 ]}. 21. Once it is found that all the procedural requirements have been complied with, the Courts would not ordinarily interfere with the quantum of punishment imposed upon a delinquent employee. The Superior Courts only in some cases may invoke the doctrine of proportionality. If the decision of an employer is found to be within the legal parameters, the jurisdiction would ordinarily not be invoked when the misconduct stands proved. {See : Sangeroid Remedies Ltd. v. Union of India and others [ (1999)1 SCC 259 ]}. 22. Their Lordships in Chairman and Managing Director, United Commercial Bank and others v. P.C. Kakkar (supra), further pleased to hold that : “11. {See : Sangeroid Remedies Ltd. v. Union of India and others [ (1999)1 SCC 259 ]}. 22. Their Lordships in Chairman and Managing Director, United Commercial Bank and others v. P.C. Kakkar (supra), further pleased to hold that : “11. The common thread running through in all these decisions is that the Court should not interfere with the administrator’s decision unless it was illogical or suffers from procedural impropriety or was shocking to the conscience of the Court, in the sense that it was in defiance of logic or moral standards. In view of what has been stated in the Wednesbury’s case (supra), the Court would not go into the correctness of the choice made by the administrator open to him and the Court should not substitute its decision to that of the administrator. The scope of judicial review is limited to the deficiency in decisionmaking process and not the decision.” 23. Another ground raised during course of hearing is that the entire enquiry gets vitiated because of delay in causing the enquiry decision in M.V. Bijlani v. Union of India and others (2006)5 SCC 88 ], and P.V. Mahadevan v. M.D. Tamil Nadu Housing Board [ AIR 2006 SC 207 ], has been relied on to bring home the submissions. In the case at hand as evident from material on record that it was with the failing of account and the complaint received led the Bank to cause a fact finding enquiry and since the entire charges are based on record, some expanded time to formulate an opinion to initiate the departmental enquiry with the facts emearthed establishing the charges, will not in our considered, vitiates the proceedings. The decision in M.V. Bijlani (supra), and P.V. Mahadevan (supra), is of no assistance to the appellant. 24. No other points are raised accept those dwelt with. And having thus considered, the punishment besides being in commensurate with the charges levelled and proved, being based on cogent material evidence does not warrant an indulgence. Consequently, the decision in Writ Petition No.2468/1994 upholding the punishment is upheld. 25. Petition fails and is dismissed, No costs. .............