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    <description>Applicable service rules may permit disciplinary proceedings started before superannuation to continue through an extended period of service and conclude in dismissal, where the employee is treated as remaining in service for that limited purpose. In bank employment, serious dishonesty, acting beyond authority, and mishandling customer funds constitute misconduct in themselves; the absence of proved financial loss or a later withdrawal of grievance does not negate the misconduct or reduce its gravity. The framework described treats the continuation of enquiry as valid when supported by the governing statutory rules, and the misconduct remains actionable notwithstanding the absence of pecuniary loss.</description>
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