@ Sishya ji.. Am just stating what i feel as the cause and outlining the same. Would be difficult for me to put all in a public forum .
If you do analyse my chart you would find my speaking skills are very much affected. I say or blurt out whatever is on my mind... or at the wrong moment.
That is ...

Thank You
for your kind replies

For any use, just had chickenpox from 23rd march till April 7 and recovering

Am naive because i believed in oral permission and chairman constant speeches to give more loans Was overconfident that since earlier BMs had given loans without papers based on Track ...

Dear Friends

I was Branch Manager in Govt Bank ,between 01-10-2016 and 29-7-2017 and factors like
naivety, and being new to the organisation and misguided optimism, committed some lapses.Completely no malafide intentions.

Was moved to different branch ,Asked for explaining , did so and i thought ...