As per DAC, he had taken a preclose amount from a client named Sheela, but due short amount, BQM was not able to close in the system. In between, he was transferred to the Ayodhya branch the same day, and he could not deposit that money nor return it to the client. It was already communicated to BM/BQM. Once the rest amount was paid by the borrowers. He deposited an amount at the branch. The mistake is that money is kept by himself while BQM can keep it at the branch with a note.    

 He apologized for this mistake; hence, we are closing this case with a warning letter.