Though conduct rules have been elaborated in the Regulations, the regulations
at the same time contain an Omnibus Clause to fit the misconduct not specifically
defined into the omnibus clause. The tragic reality is that in more than 90-95%
cases, the officers are booked under this Omnibus Clause. It proves beyond
doubt that where misconduct is specifically defined, violation is minimal. But
more importantly, it indicates that there is an unbridled tendency among the DAs
to abuse this provision and any conduct is dubbed as misconduct by invoking
this clause which ought to be attracted in rare cases but which is applied in an
overwhelming number of cases. If this clause is annulled and instead if the vast
variety of misconducts covered under this clause over the last over three decades
are analyzed and specifically provided in the conduct rules, it will lead to better
compliance and minimal breach on the part of the officers. In particular, what is
unbecoming of a Bank Officer must be explicitly stated in the conduct rules.
The omnibus clause in the conduct rules should be deleted.