Please suggest Sir what are the chances that Bank will relieve me and also advice for further action If bank did not reply.
The bank may initiate disciplinary proceedings for having not replied to the notice served on you.
the bank is not bound to reply to your fancied letters with vague reasons.
In fact the bank's tolerance towards your unauthorised leave so far is a great thing, especially when the bank has still given you opportunity to rejoin which were neglected by you.
One more query: what will be the consequences if Bank did not accept my resignation and instead terminate me. I read one judgement of Supreme court , "A government employee, who remained absent unauthorisedly from duty, can not be proceeded against until, the authorities proved that his absence was willful and was not result of some compelling circumstances".
The bank will be able to prove before court that your leave was unauthorised and it was willful and intentional especially when you refused to get referred to the doctor for medical evaluation.
There are lot of technical flaws in your side which would lead to termination of your employment and you may not be able to defend yourself.
However even now you may send your resignation by registered post and demand your relieving letter as well as you may express that you are ready and willing to adjust the notice period payment from the FD held by the employer hence you may be relieved accordingly.
If this fails to fetch proper response or fruitful result then you may plan to initiate legal actions as per law on this