Query on disclosure and selection

Querist : Anonymous (Querist) 07 November 2026 This query is : Resolved
I seek clarification before document verification. Also is payment and settlement act under section 25 criminal case ? if yes then:

1. If a candidate had a complaint case in a Magistrate Court that is now closed (withdrawn on settlement, accused acquitted), should it be declared at verification, and in what format?
2. Which documents should be carried for such a case?

3. Does a disclosed closed case affect eligibility or selection, and what criteria does the Bank apply?

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This discussion clarifies whether a closed Magistrate Court case, specifically under Section 25 concerning dishonoured electronic funds transfers, needs to be declared during document verification for bank employment. It explains that while Section 25 cases are quasi-criminal, a closed case with acquittal or settlement is generally treated as a civil matter and shouldn't affect eligibility if truthfully disclosed. Candidates should carry original and photocopied court documents and are typically not disqualified for such commercial defaults, especially if they are upfront about the proceedings.

T. Kalaiselvan, Advocate (Expert) 11 November 2026
Section 25 deals with the dishonour of electronic funds transfers (such as auto-debits, NACH, or ECS mandates) due to insufficient funds. The statute explicitly aligns its mechanism and provisions with Chapter XVII (Section 138) of the Negotiable Instruments Act, 1881. It is categorized as a quasi-criminal / criminal complaint case filed before a Judicial Magistrate or Metropolitan Magistrate.
You must disclose the case if the attestation/verification form specifically asks whether you have ever been prosecuted, faced court proceedings, or been a party to a criminal/magistrate case
You should carry original sets along with photocopies of the court record documents.
A closed Section 25 case where you were acquitted upon settlement does not render you ineligible for bank employment.
Section 25 / NI Act cases are commercial financial defaults rather than traditional crimes involving moral turpitude. Courts and employers treat compounded dishonour complaints as civil disputes in nature.
You may please note that a candidate cannot be disqualified for a minor/commercial closed case if it was truthfully disclosed. Disqualification typically happens only if you hide the case and it subsequently surfaces during the Police Verification Report (PVR) or third-party background checks.

Dr. J C Vashista (Expert) 12 November 2026
Very well explained, opined and advised by learned senior expert, Mr. T Kalaiselvan, which I endorse.
However, prima facie the post/query is an examination hall question paper.

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