(A) Banking Companies (Acquisition and Transfer of Undertakings) Act (40 of 1980) , S.19— Vijaya Bank Officer Employees Discipline and Appeal Regulations (1981) , Regn.6— Disciplinary proceedings - Non-furnishing of preliminary inquiry report - Effect - Appellant was duly provided with deposition of witness as per rules and was allowed to cross-examine witness on basis of statements made by him - Inquiry officer placed no reliance upon preliminary inquiry report, but only upon statements of such witness recorded during chief examination and cross-examination - There was no violation of principles of natural justice - No prejudice was caused to appellant due to non-furnishing of preliminary inquiry report - No rule applicable to the case, mandated furnishing of preliminary inquiry report - Non-furnishing of inquiry report to appellant was inconsequential. (Para 27 28 29 30) (B) Banking Companies (Acquisition and Transfer of Undertakings) Act (40 of 1980) , S.19— Vijaya Bank Officer Employees Discipline and Appeal Regulations (1981) , Regn.6(17)— Disciplinary proceedings - Nature of duty cast on Inquiry Officer - Inquiry Officer by not generally questioning delinquent on circumstances ava....