Vinay Verma, a Junior Management Grade-I Officer (Branch Manager) of Uttar Bihar Gramin Bank, challenged his dismissal from service before the Patna High Court. He was charged with fraudulently sanctioning and disbursing 44 fake loans under the Joint Liability Kisan Credit Card (JLKCC) Scheme in violation of banking norms, constituting misconduct under the Bank's Service Regulations 2010. The petitioner argued that the charge sheet was defective for lacking a list of witnesses and documents, that the enquiry was vitiated by denial of prosecution documents, that the finding was based on no evidence and involved illegal shifting of the burden of proof, and that the punishment of dismissal was grossly disproportionate. The respondent Bank contended that it was the petitioner's responsibility as Branch Manager to verify the genuineness of borrowers and that the charges were duly proved. The judgment text provided ends before the court's final ruling is recorded.