Overview

• The Madras High Court dismissed the candidate’s petition and upheld SBI’s decision to cancel his appointment based on his adverse CIBIL report.
• The petitioner had secured a Circle-Based Officer role after clearing all selection stages but was removed when SBI’s review of his CIBIL report revealed multiple defaults and credit card delinquencies.
• He claimed to have cleared all outstanding dues by his application date, but the bank asserted that his history of irregular repayments violated its eligibility rules.
• Justice N. Mala emphasized that managing public funds demands strict financial discipline and rejected allegations of discrimination in the selection process.
• The ruling reinforces SBI’s Clause 1(E) criteria that disqualify applicants with histories of loan defaults or negative external credit assessments.