How to send legal notice to govt. servant for fraud outside

The banker will take action. 

Your part is only to inform the Bank that the lonee has submitted false affidavit, then wait for some time and find out whether any action is taken on that or not  by filing an application under RTI Act. If no action is taken by the bank inform the higher authority of the Bank.

Without knowing your interest in the affair and the way in which you are affected or offended,it may be futile to offer advise.

sir, 

i am from the part of bank.and want to know what to do in such -situation.

If the realisation of the loan is your aim,foreclose it and proceed against the security offered .

As per you, You are the part of bank so complaint to bank higher authority for take the action against such employee. Or directly send him " Show cause notice" on behalf of bank. If you are in that position to take the action.

The Govt official is liable for Major penalty proceedings, if reported to his department.

what is the procedure , if we want to make him liable for disciplinary action.,and what are the clauses/rules/act on which we can sue or take action.

pls describe major penalty proceeding.

thnx