Action on a bank officer on a psuedonymous complain at the time of his retirement

Sir,I am a retired bank's senior manager of a nationalised bank.I retired from bank's service on 31/07/2019.In first week of January 2019,I received a show cause from our Zonal Office Gonda(UP),where I was posted in Sadullanagar branch from 23/04/2007 to 03/07/2010 as branch head about sanctioning a false tractor loan and a kcc loan by a party,which was sanctioned by me on 26/02/2010.I replied the show cause properly mentioning that the borrower had already deposited Rs.5000/ in his loan account on 02/11/2013,which clearly proves that he has acknowledged having taken the loan.Dissatisfied by my reply bank on 29/06/2019 issued me charge sheet,which I received on 12/07/2019,just 19 days before my retirement.After my retirement the bank instituted a departmental enquiry after my retirement and released my PF amount only withhelding my terminal dues.During course of enquiry it transpired to me that only on a psuedonymous complain the bank has issued the chargesheet to me.After a lapse of 2 years the bank has released my terminal benefits with a punishment of Rs.200000/= to be realised from my retirement benefits.What action I should take now and what will be the result?