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Chennai, 8 July 2025:Madras high court Done State Bank of India (SBI) The decision to cancel the appointment of a candidate has upheld. Reason? Candidate Bad credit history।
The court said that in the banking sector Financial discipline The most important is, and a person with poor credit records cannot be entrusted with the responsibility of public money.
Court decision: Financial discipline is necessary
Justice N. Mala said in her decision, Employees in banking business deal with public money, so it is necessary to strictly follow financial discipline.
There should be efficiency in handling public money, and a person with clearly poor financial discipline cannot be reliable for this responsibility.
The court also said that the SBI rule is appropriate, in which Loan default Or negative Cibil report Candidates are considered disqualified for appointment.
What was the matter?
Petitioner in SBI Circle Based Officer (CBO) Had applied for the post of He successfully passed all stages including written examination, interview and medical test.
He was also issued an appointment letter on 16 March 2021. But, their Cibil report His appointment was canceled after the flaws were found.
SBI said that the CIBIL report of the petitioner was taken on 12 March and verified on 16 March. Irregularities were found in it, after which they were asked to clarify.
However, despite the reply of the petitioner, his appointment was canceled on the basis of Claus 1 (E) of the Eligibility Criteria, which belongs to creditworthiness.
Petitioner claim
The petitioner claimed in the court that when the notification for the job was issued, he had no outstanding loan or default.
He said that all his loans were repaid and no agency had identified him as a defaulter. Apart from this, he also alleged that other candidates with equal credit problems were appointed, which with them Discrimination Happened.
SBI Answer: Rules clear, default information hidden
SBI said in response that their rules are clear that candidates with poor credit history or negative CIBIL report are not eligible for jobs.
The bank on the petitioner Loan default Accused of hiding important information related to. The bank also said that the petitioner had missed the payment on more than one loan.
Final decision of the court
The Madras High Court investigated the CIBIL report and found that nine irregular credit facilities and more than 10 credit inquiries were registered in the name of the petitioner.
The petitioner himself also accepted the loan default. The court said, The bank took a sensible decision that candidates with default and negative CIBIL reports are disqualified for appointment in repaying the loan.
Discrimination claim rejected
The court also rejected the petitioner’s claim of discrimination. The court said that only those candidates were appointed, who had fulfilled all eligibility criteria.
Since the petitioner defaulted and accepted it, there was no basis in his petition.
conclusion
The Madras High Court dismissed the petition justifying the SBI’s decision. This case is a lesson for those candidates who banking sector I am looking for a job
Financial discipline And clean credit history is necessary not only to get a job, but also to maintain confidence in the banking sector.
