RIREP

FROM
Inspecting Officer/s
TO
Dear Sir,
SUB : REGULAR INSPECTION OF

CONDUCTED FROM 21/03/2009 TO 05/05/2009
COVERING PERIOD FROM 01/04/2007 TO 28/02/2009
I am sending herewith a copy of the subject report to enable you to give

speedy instructions to the Branch concerned for early rectification of the
discrepancies, helping ultimately in closing the reports, within four/six
months.
In the meanwhile, we draw your immediate attention to the following

deficient areas and request you to impress upon the Branch to attend to
them on priority basis.
a) BALANCING DIFFERENCES: In the following heads of acounts balancing

difference is observed:
b) Non-checking of interest: We not that in the following heads of accounts

interest checking is in arrears:
c) Income Leakage detected and pending recovery:

i) An amount of Rs. Income Leakage has been detected.
ii) Out of the above: yet to be recored: Rs. / Fully recovered.
Yours faithfully,
INSPECTING OFFICER.
Place:
Date : / /
REGULAR INSPECTION - INDEX

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Chapter
No. Contents Page No.
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1. Branch Setup
2. Summary of findings
3. Status Report
4. Checklist on areas relating to Credit Risk
5. Checklist on areas relating to Liability Risk
6. Checklist on areas relating to Operational Risk
7. Checklist on areas relating to Earning Risk
8. Checklist on areas relating to Management Risk
9. Checklist on areas relating to Compliance Risk
10. Fraud Prone Areas
11. Technological Products
12. Supporiting Sheets - Deposits
13. Supporiting Sheets - Advances
14. Supporiting Sheets - General
15. Income Leakage
16. Official Language Act
17. Quality Audit
18. Investment Transactions
19. Checklist on Ghosh Comm. recommendations
20. Checklist on Fair Practice Code
21. Checklist on KYC/AML guidelines
22. Certificates on FEX/R-returns
23. Certificates on impl. of Mitra Comm. recommendations
********
#
CHAPTER-3A
STATUS REPORT
SlNo Parameters Source DLI as at DPI as at
(Rs. in lacs)
1 Aggregate advance as at Last Friday Flash 1086 1314

2 Outstanding liability under NFB limits as at Syste 4 49
Last Friday
3 Advances to sensitive sector as at Last PSR 0 0
Friday (Ref Cir 58/07)
4 Outstanding (FB+NFB ) under single/Top Syste 30 70
account/group Last Friday
5 Outstanding (FB+NFB) under Top 10 accounts Syste 213 294
as at Last Friday
6 Outstanding under unsecured loans as on Last BS 171 140
day
7 Risk rated accounts:- 0 0
a. Low Risk 0 340
b.Normal Risk 0 15
c.Medium Risk 0 0
d.High Risk 0 0
e.Eligible but not risk rated 0 0
f.Exempted categories & accounts with 0 895
Liability less than Rs. 2 lac
g.Gross advance (a+b+c+d+e+f)(should tally 0 1250
with point 13 DPI)
8 Gross liability under Sub Standard Assets BS 6 29
9 Gross liability under Doubtful Assets BS 8 22
10 Gross liability under Loss Assets BS 12 5
11 Gross NPA (8+9+10) BS 26 56
12 Standard Assets BS 1064 1194
13 Outstanding Gross advance as on the last day BS 1090 1250
of the quarter-as per balance sheet(11+12)
14 Provisions BS 16 17
15 Amount of fresh NPA added during the review NPA 12 61
period
16 Amount of NPA upgraded during the review NPA 0 22
period
17 Amount written off during the review period NPA 3 3
18 Outstanding liability under Special Watch SWL 36 85
Loan (SWL) accounts AND No. of a/cs
19 Overdues in the outstanding SWL accounts SWL 4 4
20 Recovery % for all loan accounts( Refer HO PSR 82 83
cir 334/07 -Figures as at Last Friday of
latest June or Dec t
21 Quick Mortality Accounts : No. of accounts NPA 0 6
and -Amount added during the review period
22 Extent of divergence as per MOC given by MOC/C 0 0
statutory auditors -Amount of converted
NPA(Refer guidelines)
23 Total liability under all LC limits Compu 0 0
24 Total liability under all BG limits Compu 4 49
25 Amount outstanding under devolved LCs Manua 0 0
26 Amount outstanding under invoked BGs BS 0 0
27 Aggregate deposits Flash 6517 8273
28 Average deposits RBI 6542 7745
29 Low Cost Deposits RBI 1225 1655
30 Core deposits Syste 5650 8273
31 Bulk Deposits Syste 867 0
32 Number of deposit accounts Flash 9720 10453
33 Amount of deposits held by Top 10 deposit Syste 1205 1675
clients
34 Average Advances RBI 962 1220
35 Average Business ( 28+34) 7504 8965
36 Number of employees excluding PTEs Flash 18 14
CHAPTER-3A
STATUS REPORT
(Rs. in lacs)
37 Interest collected BS 98 134

38 Non interest income BS 10 12
39 HO interest received BS 304 446
40 Total income ( 37+38+39 ) BS 412 592
41 Interest paid BS 332 593
42 Establishment/staff expenses BS 46 49
43 Other expenses BS 18 20
44 HO interest paid BS 0 0
45 Total expenditure (41+42+43+44) BS 396 662
46 Profit after HO interest (40 - 45)(Loss to BS 16 -70
be recorded be with -ve sign)
47 Amount recovered in the written off NPA 0 12
accounts/Loss accounts during the review
period
48 Income leakages detected during the various RBIA/ 1 0
audits, during the review period
49 Average excess cash holding over Standard RBI 0 0
Cash Limit
50 Average excess balance in Bankers Current Pass 0 56
Account over the limit
51 Outstanding under eligible but not yet risk 0 0
rated accounts, as % to gross advances as
at DPI(P7 e / 7 g)
52 Outstanding under Medium and High risk rated 0 0
accounts, as % to gross risk rated advance
(DPI) (7c+d / 7 a +b
53 Amount under sensitive sector, as % to total 0 0
credit exposure, as at DPI( P3 / 1 +2 )
54 Outstanding under single group ( FB+NFB) to 3 5
aggregate advance as % (P 4 / 1+2 )
55 Outstanding under top 10 accounts (FB+NFB) to 20 22
aggregate advance as % (P 5 /1+2)
56 Outstanding under unsecured loan ,as % to 16 11
gross advance (P 6 / 13)
57 Outstanding under SWL accounts ,as % to gross 3 7
advance (P18/13)
58 Level of gross NPA, as % to gross advance(P 2 5
11 / 13)
59 Extent of provision, as % to gross NPA.(P 60 30
14/11)
60 Extent of chronic NPA , as % to gross NPA(P 76 49
9 + 10 / 11 )
61 Incremental increase/decrease in addition of 0 61
fresh NPA, as % to fresh NPA added during
the review period(P1
62 Composition of Low Cost Deposits to 19 20
Aggregate Deposits, as % ( P 29/27)
63 Growth of Average Deposits , from DLI to DPI, 0 18
as % ( DPI ? DLI / DLI in point 28)
64 Extent of deposits from Top 10 customers to 18 20
Aggregate Deposits, as % ( P 33/27)
65 Extent of Bulk Deposits to Aggregate 13 0
Deposits, as % (P 31/27)
66 Profit after HO interest to average business, 0 -1
(P 46 / 35)
67 Provision to total income, as % (P 14 / 15 11
37+38)
68 Business Per Employee, in lacs (P 35 / 36 ) 417 640
69 Average yield on advances , as %( P 37 /34) 10 11
70 Average cost of deposits , as %(P 41 / 28 ) 5 8
CHAPTER-3A
STATUS REPORT
(Rs. in lacs)
71 Interest spread , as % ( P 69 - P 70 ) 5 3
72 Non interest income to gross income, as % (P 9 8
38 / 37+38)
73 Non interest income to non interest expenses, 15 17
as % (P 38 / 42 +43)
74 Profit (after HO interest) per employee, as 1 -5
% (P 46 / 36 )
CHAPTER-3B
STATISTICS ON TARGETS AND ACHIEVEMENTS DURING THE REVIEW PERIOD
��
��
SlNo Parameters Q1 Q2
Q3 Q4
TARGET ACTUALS TARGET ACTUALS TARGET
ACTUALS TARGET ACTUALS
��
��
75 Aggregate Advance 1050 1090 1112 1136
1170 1194 1250 1149
76 Average Advance 965 966 945 1111
1030 1129 1120 1141
77 Priority Sector Advance 742 764 876 804
948 948 985 847
78 Agriculture-outstanding 60 55 71 84
90 90 120 103
79 Retail lending- 540 567 470 633
490 782 540 808
disbursement
80 FBT-Foreign Business 0 0 0 0
0 0 0 0
Turnover
81 Aggregate Deposits 8000 7299 9000 7313
9700 8412 10100 7262
82 Average Deposits 7260 6542 8653 7279
8985 7640 9156 7558
83 Low Cost Deposits 1500 1225 1365 1356
1555 1185 1635 1327
84 Profit/Loss after HO 0 16 -10 10
-28 -10 -63 18
85 Non interest income 9 10 3 3
6 6 9 8
86 Other revenue expenditure 15 18 4 4
9 9 15 14
87 Gross NPA 0 26 30 36
30 43 27 39
88 Cash recovery under NPA 0 8 4 1
9 18 15 21
CHAPTER-3B
STATISTICS ON TARGETS AND ACHIEVEMENTS DURING THE REVIEW PERIOD
��
��
SlNo Parameters Q5 Q6
Q7 Q8
TARGET ACTUALS TARGET ACTUALS TARGET
ACTUALS TARGET ACTUALS
��
��
75 Aggregate Advance 1347 1355 1230 1227
1270 1237 1300 1250
76 Average Advance 1145 1152 1115 1202
1160 1212 1189 1220
77 Priority Sector Advance 1049 1126 1150 856
1185 921 1255 857
78 Agriculture-outstanding 125 170 128 60
138 76 153 60
79 Retail lending- 540 858 357 848
381 750 431 702
disbursement
80 FBT-Foreign Business 0 0 0 0
0 0 0 0
Turnover
81 Aggregate Deposits 10290 7687 7754 7637
8228 7862 8664 8263
82 Average Deposits 9194 7511 6822 7469
6801 7563 6803 7746
83 Low Cost Deposits 1685 1298 1457 1524
1520 1603 1621 1655
84 Profit/Loss after HO 38 87 -45 -88
-10 -98 -51 -52
85 Non interest income 12 11 3 4
6 7 11 9
86 Other revenue expenditure 22 22 5 5
11 15 16 15
87 Gross NPA 24 39 38 41
38 55 33 56
88 Cash recovery under NPA 18 22 1 9
3 11 7 11
CHAPTER-3B
B.ADVANCES - (a) Details of Advances as on DPI
��
SlNo Parameters Total No. No. of No. of Liability
of A/cs A/cs. Disb. EMTS Outstanding
��
1 OCC 47 47 29 197
2 PC 0 0 0 0
3 Clean OD 8 8 0 9
3 Cantrade 2 2 2 28
4 Housing Loans 127 41 36 463
5 Can Mortgage 0 0 0 0
6 Can Budget 57 2 0 14
7 Other Retail Lending 77 28 0 65
Scheme
8 Agri Advances 34 17 6 71
9 215 151 0 288
10 0 0 0 0
11 0 0 0 0
12 0 0 0 0
13 0 0 0 0
14 0 0 0 0
15 0 0 0 0
16 Total 567 296 67 1135
CHAPTER-3B
B.ADVANCES - (a) Details of Advances as on DPI
��
SlNo Parameters Total No. No. of No. of Liability
of A/cs A/cs. Disb. EMTS Outstanding
��
17 Bills Purchased 0 0 0 0
18 Non Fund Based 4 3 0 49
c) Top 10 accounts under exposure

��
SlNo Party Name Total Exposure
��
1 Prateek enterprises 30
2 Mayur purtak bhandar 30
3 Jain garments 30
4 Ranjeet singh choudhary 88
5 Hari ram kishan singh 29
6 Jai bharath stores 16
7 Nulite colour lab 37
8 Blazae Fashion 15
9 Sube Singh Choudhary 9
10 P vijay kumar & sons 10
C) Deposits
a) Details of Deposits as on DPI
��
SlNo Parameters No. of No. of Amount
A/cs O/S A/cs.opened
��
1 Savings Bank 5853 632 1567
2 Current Account 295 50 103
3 KDR 3376 3376 4128
3 FDR 446 446 1152
4 RD 167 81 22
5 Can Champ 176 33 2
6 Other Term Deposits 140 126 1299
7 Others 0 0 0
8 Total 10453 4744 8273
9 Out of above,Bulk 0 0 0
Deposits
b) Top 10 deposit accounts: (Rs. in lakhs)

��
SlNo Party Name Total Exposure
��
1 Mala Kaswani 450
2 Mahesh Motwani 100
3 Jai Motwani 100
4 S R Bhasin 75
5 Rajendra Tilwani 200
6 J K Khurana 250
7 Pujpar Brahman trust 200
8 Bhagwan Gidwani 100
9 I A Gidwani 100
10 J P Gidwani 100
CHAPTER-4
CHECKLIST ON AREAS RELATING TO CREDIT RISK
SlNo Description Status
A.PreSanction Appraisal
1001 Whether branch has done Risk Rating to all eligible accounts YES
sanctioned.
1002 Whether branch has done credit appraisal as per norms? YES
1003 Whether branch has stipulated / maintained correct margin as per YES
norms?
1004 Whether branch has properly identified proposals / borrowers as per YES
Norms?
1005 Whether presanction visit is done / recorded in all eligible cases? YES
1006 Whether branch is verifying list of undesirable parties of branch, YES
defaultersList of ECGC, Caution list pf RBI, CIBIL, data etc before
sanctioning ofLoans?
1007 Whether branch is following guidelines with regard to Credit Policy YES
andCredit Risk Management policy of the Bank?
1008 Whether refinance facility from IDBI / SIDBI / NABARD etc has YES
beenavailed wherever eligible?
1009 Whether OPL / NOC obtained before sanctioning limits / loans to YES
parties enjoying credit limit facilities with other banks?
1010 Whether appropriate application form for fresh / renewal proposals YES
alongwith ITAO / WTAO /STAO, latest Balance sheet / Latest
Financialpapers and otherrequired
1011 Whether branch is assessing working capital limits based on YES
realistic sales Projections?
1012 Whether branch has followed eligibility criteria as per norms with YES
regard to Retail lending schemes?
1013 Whether branch has obtained / made available copies of Land records? YES
B.Exercise of Delegated Powers
3014 Whether any instances observed where proposal rejected by the branch NO
in charge instead of next higher authorities in case of
Govt.sponsored schemes / Educatio
3101 Whether branch has reported all fresh/renewals in NF139/140/179/ PRR YES
20D?
3102 Whether all sanctioned /renewed limits are within delegated powers? YES
3103 Whether all sanctioned TOD/adhoc limits are with in delegated NO
powers?
3104 Whether all Emergency powers permitted are with in delegated powers? NO
3105 Whether Exceptional drawings permitted are within delegated powers? NO
3106 Whether branch has reported to RO/CO and obtained ratifications for YES
exceptional drawings permitted?
3107 Whether branch has recorded in discretionary advances register the YES
Emergency powers exercised/Exceptional drawings permitted and
computer print out of the reg
3108 Whether branch has prepared Legal Compliance certificate wherever NO
Ex-Ds permitted?
3110 Whether branch has permitted any sanctions beyond command area? NO
3111 Whether branch financed to borrowers who are not eligible for NO
finance as per norms?
3112 Whether branch has financed as per scale of finance / eligible YES
quantum ofloan as per norms?
3113 Whether branch has adhered to Take over Norms? YES
3114 Whether branch has sent copies of credit reports to RO/CO for review YES
promptly?
3121 Whether forward contracts booked with in delegated powers? YES
3122 Whether branch has debited Sundry Account head for any Temporary a NO
accommodation?
C.Documentation
1201 Whether branch has obtained appropriate documents to all borrowal YES
accounts?
1202 Whether branch has filled up all loan papers and borrower/guarantor YES
/ Co- obligant signed wherever required?
CHAPTER-4
1203 Whether branch has communicated sanction to borrower and guarantor? YES
1204 Whether borrower and guarantor acknowledged the sanction YES
communication?
1205 Whether Manager has signed on sanction / agreements? YES
1206 Whether documents are properly stamped as per stamp act in force? YES
1207 Whether branch has prepared Certificate of loan papers (NF482/967) YES
for all loans and sent to SA?
1208 Whether NF482/967 are signed by two signatories? YES
1209 Whether R&L section approvals for Loan papers and BG are available NO
whereverapplicable?
1210 Whether branch has obtained Photos of borrowers and guarantors/ co- YES
obligant?
1211 Whether branch has obtained Insurance waiver letter (NF368) wherever YES
necessary?
1212 Whether branch has crossed the special adhesive stamps as per YES
guidelines?
1213 Whether branch has properly linked Non-judicial stamp papers to YES
documents?
1214 Whether NF 803 is prepared / signed by branch officials? YES
1215 Whether branch has obtained Letter of attestation (NF 821) wherever YES
required?
1216 Whether branch has obtained Salary mandate in Retail lending loans YES
wherever required?
1217 Whether salary mandates are registered with employer as per norms? YES
1218 Whether branch has obtained Post dated cheques and followed NO
guidelineswherever required?
1219 Whether branch has pledged shares in DEMAT form? YES
1220 Whether branch has obtained lien noting letter from depository cell/ YES
DP?
1221 Whether lien noted on deposits? YES
1222 Whether LIC policies are assigned in favor of Bank? YES
1223 Whether branch has obtained Latest Premium paid receipts? YES
1224 Whether branch has obtained LSR in a prescribed format in respect of YES
all Mortgage loan accounts?
1225 Whether branch has prepared checklist for LSR and same is approved YES
by theapproving authority?
1226 Whether branch has obtained valuation report in prescribed format YES
from the panelvaluer wherever required?
1227 Whether branch officials have inspected all the mortgage properties? YES
1228 Whether security inspection report for EMT property is as per YES
formatmentioned in Cir.308/05 and available with all EMTs.?
1229 Whether security inspection report is completely filled and signed YES
by theofficial who has inspected?
1230 Whether branch has obtained all the documents as per LSR? YES
1231 Whether LEDTD/Simple Mortgage deed available in all cases? YES
1232 Whether branch has filled up all the columns in LEDTD/Simple YES
mortgagedeed?
1233 Whether branch has obtained further ECs for all mortgage properties? YES
1234 Whether insurance for full value of mortgage property is done? YES
1235 Whether branch has obtained latest tax paid receipts for mortgage NO
properties?
1236 Whether branch is following up and obtained promptly the sale deeds? YES
1237 Whether branch has noted EMT/Further EMT in the register? YES
1238 Whether branch has obtained permission from CO in case mortgaging of YES
third party property, wherever required?
1239 Whether Xerox copies of documents obtained for mortgage are attested YES
by the advocate wherever required?
1240 Whether branch has done post sanction and post disbursement follows YES
up as per guidelines?
CHAPTER-4
1241 Whether branch has effectively followed up of rephased accounts as YES

per guidelines to prevent slippage to NPA accounts?
1242 Whether branch has obtained AOD/ LOR wherever required and ensured YES
notime barred accounts?
1243 Whether branch has filled up AOD / LOR in all respects? YES
1244 Whether branch has obtained RTO forms in eligible accounts? YES
1245 Whether branch has obtained copy of RC ? YES
1246 Whether bank?s lien noted in RC copies? YES
1247 Whether Protective clause available in all the guarantee formats.? NO
1248 Whether branch has obtained appropriate resolutions for borrowing YES
from the Bank wherever required as per guidelines?
1249 Whether Charge creation / modification is done as per norms in YES
company accounts?
1250 Whether branch has obtained latest search report? YES
1251 Whether branch has obtained Bills/invoices/stamped receipts wherever YES
required?
1252 Whether branch has obtained declarations from borrowers wherever YES
required in lieu of bills?
D.Credit Monitoring
1301 Whether branch has complied with all sanction terms and conditions? YES
1302 Whether branch has obtained stipulated security as per norms? YES
1303 Whether branch has obtained Certificate from auditor for infusion YES
of Capital?
1304 Whether branch is reviewing progress of PG/DPG/EPG? YES
1305 Whether branch has updated CDCRM data wherever required? YES
1306 Whether branch has received CO/RO review letters and kept the same YES
incredit files, whether such letters wherever required suitable
action taken by the branch?
1307 Whether branch has promptly attended/complied with review remarks of YES
Sanctioning Authority
1308 Whether branch has complied / attended the remarks made by R&L YES
section?
1309 Whether branch has covered eligible accounts under ECGC / WTPCG YES
/CGTSME schemes?
1310 Whether branch is following up with RO/CO for Ratification notes YES
submittedby them?
1311 Whether branch has obtained PIPR for term loans within stipulated YES
time and monitored the disbursement wherever required?
1312 Whether our banks clause is noted in Insurance policies? YES
1313 Whether under Insurance is observed in any loan accounts? YES
1314 Whether branch has obtained ratifications / condo nation for break YES
in insurance wherever required?
1315 Whether branch has obtained Educational Loan progress report/marks YES
list in all EL accounts?
1316 Whether branch has obtained course completion certificate for YES
EducationalLoans?
1317 Whether branch has obtained stage wise completion certificate for YES
Housing Loans?
1318 Whether branch has obtained completion certificate for Housing YES
Finance?
1319 Whether branch is fixing EMI after course completion in Educational YES
Loans?
1320 Whether post sanction visits are conducted properly and recorded in YES
Ledger/system?
1321 Whether branch has ensured / verified End use in all loans? YES
1322 Whether branch has obtained stock statements/MSOD regularly? YES
1323 Whether branch has inspected Godown regularly? YES
1324 Whether branch has prepared (NF814) godown inspection report? YES
1325 Whether NF814 is reviewed by the credit Manager/branch in charge? YES
CHAPTER-4
1326 Whether godown inspections are done on rotation basis? NO

1327 Whether branch in charge has inspected the godown on yearly basis? YES
1328 Whether branch has arrived drawing limits correctly? YES
1329 Whether branch has fixed sub limit for book debts? NO
1330 Whether banks hypothecation boards are displayed prominently? NO
1331 Whether branch has obtained stock audits for securities? YES
1332 Whether branch has obtained QOS/HOS regularly? YES
1333 Whether branch is preparing MTRs promptly? YES
1334 Whether branch is adhering to guidelines on CMO functions? YES
1335 Whether branch is submitting Bi-monthly CMF reports? YES
1336 Whether branch is promptly doing annual review of KCC accounts? YES
1337 Whether branch is promptly adjusting discounted bills to PC? YES
1338 Whether second charge on fixed assets are created wherever YES
applicable?
E.Recovery Efforts
1401 Whether branch has identified all special watch loan accounts and YES
reportedCorrectly?
1402 Whether branch is prompt in review and recovery of critical amount YES
wherever required?
1403 Whether branch has initiated timely action under SARFASI Act as per YES
norms?
1404 Whether branch has submitted loan cards to eligible NPA accounts? YES
1405 Whether branch has promptly followed up for extension / recovery of YES
overdue PC ?
1411 Whether the branch has prepared account wise action plan for YES
recovery under NPA to reach the targets for Gross NPA/Cash recovery
targets under NPA?
1412 Whether movement of SWL accounts is being tracked to ensure that no YES
slippages happen and getting transferred to NPA?
CHAPTER-5
CHECKLIST ON AREAS RELATING TO LIABILITY RISK
2001 Whether growth of CASA deposits are periodically reviewed and NO

actions initiated for gathering
2002 Whether dependence on Bulk Deposits is reduced during the review YES
period?
2003 Whether any window dressing efforts are observed? NO
2004 Wheteher strategy is in place to improve CASA which will have YES
impact on cost of deposits.
CHAPTER-6
CHECKLIST ON AREAS RELATING TO OPERATIONAL RISK
3001 Whether branch has implemented ?TOKEN OF SERVICE? for YES

Borrowalaccounts?
3002 Whether name of the sanctioning authority, designation, &SP no. NO
mentionedin all credit report / NF 482 ?
3003 Whether branch has prepared credit investigation report for all YES
eligible loanaccounts?
3004 Whether appropriate Loan applications are available for all loan YES
accounts?
3005 Whether all loan applications are filled in all respects? YES
3006 Whether NF 589 is obtained for eligible loan accounts? YES
3007 Whether NF589 is filled and Manager certified the same? YES
3008 Whether branch has obtained proof of assets declared in NF 589? YES
3009 Whether Scoring sheet / NF 967 is prepared for fixing Rate of YES
Interest for eligible loan accounts?
3010 Whether branch has prepared Resume of accounts while renewing YES
Limits?
3011 Whether branch has obtained Approved Building Plan/ Estimates YES
wherever required?
3012 Whether any instances observed where the proposal was rejected by YES
the higher authority has been sanctioned at branch level?
3013 Whether branch is maintaining record for claims of subsidy/margin YES
money/insurance?
3123 Whether Working Capital assessment done as per Turnover method/MPBF/ YES
Cash Budget method?
3201 Whether branch has revised EMI for retail lending loans as and when NO
ROI ischanged?
3202 Whether branch has done reversal entries under BG/LC as per norms? YES
3203 Whether any indications of diversion of funds noticed and procedure YES
as per bank guidelines followed by the branch?
3204 Whether branch is conducting Consortium meetings periodically? NO
3401 Whether branch has disposed off seized items as per norms? YES
3501 Whether PC is backed by LC/ Firm Sale contract? YES
3502 Whether Drawing power is available for PC? YES
3503 Whether Export documents are submitted with in 21 days of Export and YES
required declaration is obtained?
3504 Whether Export limits are notified to ECGC? YES
3505 Whether IPSG cover is available wherever required? YES
3506 Whether ECGC buyer wise policy is available? YES
3507 Whether Risk letter for waiver of SGS/Lyoid Certificate is YES
available?.
3508 Whether branch has followed all guidelines in handling Foreign YES
Outward sight for collection?
3509 Whether guidelines on FLC are adhered to? YES
3510 Whether risk letter incase of release of document against rupee YES
deposit on a/c of non-availability of exchange rate is obtained?
3511 Whether advance remittances are made as per norms? YES
3512 Whether remittances on account of interest on all permissible YES
imports aremade as per norms?
3513 Whether proof of import wherever applicable is obtained? YES
3514 Whether extension of time for realization, reduction in invoice YES
value andwrite off permitted are as per guidelines?
3515 Whether payment made under reserve is as per norms? YES
3516 Whether prescribed letter for waiver of noting and protesting has YES
beenserved?
3517 Whether certification on Softex forms by officials of STP1/EP2/SE2 YES
isaccepted?
3518 Whether limit is fixed after appraisal as per guidelines? YES
3519 Whether permission /ratification for non-compliance of sanction YES
terms and conditions are on record?
CHAPTER-6
3520 Whether post shipment advances are covered by individual post YES
shipment guarantee of ECGC?
3521 Whether overdue/nature of defaults have been reported in advances YES
reviewreturns?
3522 Whether branch is promptly submitting monthly statement of premium YES
paidto ECGC?
3523 Whether branch is submitting promptly the periodical statements? NO
3524 Whether list of exporters in respect of whom prior permission of YES
ECGCobtained is maintained?
3525 Whether any delay in crediting the proceeds of remittance received NO
from abroad?
3526 Whether branch noted ?Issue of Bank Certificate? in the Export Bill NO
Register?
3527 Whether branch is maintaining Devolved bill register? YES
3528 Whether documents drawn under our FLCs and negotiated/accepted in YES
terms of FLC?
3529 Whether as per UCP 600 rejection of documents communicated to YES
negotiating bank with stipulated time?
3530 Whether guidelines on overdue GR/PP forms are adhered to? YES
3531 Whether a separate record for advance payment received by exporters YES
ismaintained?
3532 Whether all guidelines on remittance (inward) are complied by the YES
branchMONTHLY?
3533 Whether branch has adhered to the guidelines on Foreign Currency YES
Travelerscheques?
3534 Whether Foreign Currency notes are issued as per norms? YES
3535 Whether branch has adhered to the guidelines on Outward remittances? YES
3536 Whether branch has adhered to the guidelines on forward contracts? YES
3537 Whether branch has adhered to the guidelines on foreign inward YES
guarantees?
3538 Whether branch has adhered to the guidelines on foreign outward YES
guarantees?
3539 Whether time frame is observed in respect of proposals for sanction YES
of fresh/enhanced limits/renewals as per norms?
3540 Whether FEMA declaration is obtained? YES
3541 Whether PCs are cleared within the stipulated period? YES
3542 Whether STAT returns with all relevant details submitted in time? YES
3543 Whether branch has followed guidelines with regard to NRO YES
accountsopening?
3544 Whether branch is collecting service charges/commission on outward YES
remittances from EEFC?
3552 Whether Export LCS received through our bank or through any other YES
bank in India is duly advised as authenticated?
3553 Whether preshipment credit to exporter client is extended against EO YES
placed by EH as per guidelines?
3554 Whether Exports outstanding beyond 6 months reported in XOS YES
statement?
3555 Whether Export bills discounted without any credit limit for post NO
shipment finance are in accordance with guidelines on such
transactions?
3556 Whether issuance of cards and facilities extended are as per the YES
Gold card Scheme for Exporters?
3557 Whether guidelines /instructions on export to listed countries YES
complied with?
3558 Whether foreign currency Drafts/ cheques drawings are as per YES
arrangements?
3559 Whether Export bills purchased are delinked on the 15th day from due YES
date ornotional due date as per guidelines?
3560 Whether export related payments are as per guidelines and confirm to YES
ForeignExchange Regulation?
CHAPTER-6
3561 whether commission as applicable to import bill is collected as per YES

norms?
3562 Whether charges for opening of FLC are collected as per rates YES
advised fromtime to time?
3601 Whether all the AOFs are available and which were completely filled? YES
3602 Whether branch has obtained introduction to all the deposit accounts YES
opened?
3603 Whether Manager has signed all the AOFs? YES
3604 Whether branch has obtained address proof to all accounts? YES
3605 Whether branch has obtained photos to all accounts? YES
3606 Whether depositor/supervisor signed on the photos? YES
3607 Whether branch has sent Thanks giving letters to both depositor and YES
introducers promptly?
3608 Whether branch has obtained Age proof for Senior Citizens? YES
3609 Whether branch has obtained Articles of association and MOA wherever YES
required?
3610 Whether branch has obtained copy of attested passport wherever YES
required?
3611 Whether branch has collected chequebook issued charges as per HO YES
guidelines?
3612 Whether branch issued cheque books serially? YES
3613 Whether branch has delivered cheque books to depositor? YES
3614 Whether branch has obtained attested copy of parternership deed YES
whereverrequired?
3615 Whether branch has obtained copy of required resolutions wherever YES
required?
3616 Whether branch has obtained Form 15G/15H wherever required? YES
3617 Whether branch has obtained Form 60/61, PANno. With all the columns YES
arecompleted wherever required?
3618 Whether branch has obtained photos of authorized trustees/LA YES
holders?
3619 Whether branch following guidelines while permitting withdrawals in YES
new accounts for 6 months with the authentication of Manager?
3620 Whether branch is affixing NEW ACCOUNT seal on cheque books for new YES
accounts as per norms?
3621 Whether branch is registering Nomination as per guidelines? YES
3622 Whether branch is mentioning OPERATION CONDITION? YES
3623 Whether branch has obtained Partnership letter (NF116) and partners YES
are signed in individual capacity on that?
3624 Whether branch has obtained proprietorship letter? YES
3625 Whether branch has done Risk Rating for deposit accounts and same YES
isrecorded in AOF?
3626 Whether Supervisors/Manager counter signed on Specimen signature YES
cards?
3627 Whether branch has obtained specimen signature cards? YES
3628 Whether branch has done scanning of signatures for all accounts? NO
3629 Whether branch has obtained signature of school principal while NO
openingStudent accounts?
3630 Whether branch has deducted TDS and remitted the same to IT YES
authorities as per time schedule?
3631 Whether branch has reviewed all the Zero balance accounts? NO
3632 Whether branch is following guidelines with regard to converting NRE YES
deposits to FCNR (B) and vice versa?
3633 Whether branch following guidelines whenever FCNR deposits are YES
closed before one year?
3634 Whether branch is doing reconciliation with FD for EEFC/RFC/FCNR as NO
per guidelines?
3635 Whether supervisor is authorizing NNND daily collection slips? YES
3636 Whether branch is obtaining half yearly confirmations from NNND YES
customers as per norms?
CHAPTER-6
3637 Whether branch is verifying printed serial nos. on NNND collection YES
slips?
3701 Whether branch is obtaining advance rent for Lockers as per YES
guidelines?
3702 Whether branch is promptly collecting Locker rent arrears? YES
3703 Whether supervisors are authorizing on day book slips ? NO
3704 Whether Manager is authorizing on Cash paid slips and Slip bundles? YES
3705 Whether copies of staff leave proceedings, TA bill sanctions are YES
available for verification?
3706 Whether Supervisor is authenticating on Debit slips of NO
IC/Comm./GC/SD?
3707 Whether branch is implementing CLEAN NOTE POLICY? YES
3708 Whether branch is following up for early clearing of long NO
outstanding items (> months) under SA/SL/BAA?
3709 Whether all locker agreements are available and preserved as per YES
guidelines?
3710 Whether branch is obtaining life certificates for pensioners in YES
everyNovember as per norms?
3711 Whether branch is following guidelines with regard to accounts YES
wherepension amount accumulated in SB account for long period/No
with drawls?
3712 Whether all pension papers are available? YES
3713 Whether branch is Capitalization of fixed assets as per norms? YES
3714 Whether branch is reversing Excess cash as per norms? YES
3715 Whether branch is compiling PRR-18 correctly and submitting NO
promptly?
3716 Whether branch is following guidelines with regard to issue of YES
duplicate DD/IBA ?
3717 Whether branch is disposing off DEBIT CARDS AS PER NORMS? YES
3718 Whether branch is reviewing failed transactions reports of ATM as YES
per norms?
3719 Whether branch is redressing customer complaints with in stipulated YES
time?
3720 Whether branch is reporting all Incidents / events occurred during NO
the monthin the incident reporting statement?
3721 Whether branch is submitting CTR/STR promptly as per time schedule? YES
3722 Whether rubber stamps (cash received/cash paid) are kept under lock YES
and keyafter office hours?
3723 Whether payment made to persons who have lost token is as per YES
procedure?
3724 Whether unclaimed cash/cash left by oversight and other items (gold YES
packets)found in office premises are handled as per norms?
3725 Whether branch is adhering to all guidelines with regard to Outward YES
Tappal?
3726 Whether utilization of private courier services is as per YES
guidelines?
3727 Whether Bankers account is maintained as per norms? YES
3728 Whether follow up of pending items in clearing and LCCR is NO
effective?
3729 Whether long outstanding small amounts of clearing difference are YES
adjusted as per norms?
3730 Whether TTS with SBI and other Banks are as per norms? YES
3731 Whether guidelines are adhered to incase of cheques received from YES
upcountrybranches?
3732 Whether permission for handing over 1st set of keys obtained from YES
concerned controlling office by branch?
3733 Whether the guidelines with regard to custody of premises keys are YES
adhered?
3734 Whether all guidelines regarding ISC Bills are adhered to? YES
CHAPTER-6
3735 Whether Parcels register is maintained? YES

3736 Whether partition with grill gate has been provided to avoid YES
security riskwhere the Safe deposit Lockers and double lock etc are
placed in the same strong
3738 Whether operations by agent of hirer are supported by Power YES
ofAttorney/Letter of Authority?
3739 Whether nomination facility for locker is well publicized? YES
3740 Whether duplicate master key of SDL is lodged with nearest YES
branch/Bank?
3741 Whether movement of the double lock keys/ master keys for locker are NO
properly recorded in the double lock register?
3742 Whether Keys of vacant lockers are held in double lock? YES
3743 Whether claims settled are within the delegated powers?. YES
3744 Whether all the formalities are observed and claim forms, other YES
necessarycertificates and declarations are obtained as per
guidelines?.
3745 Whether Death Claim Register NB157 is maintained and in warded all NO
theclaims?
3746 Whether receipts from the legal heirs obtained as per guidelines? NO
3747 Whether branch is handling Security Items as per norms? YES
3748 Whether security items taken out for daily transactions are kept in YES
single lockbox?
3749 Whether preservation of cancelled security items and maintenance of NO
recordsare as per guidelines?
3750 Whether branch is noting/updating change in address, operational YES
conditions etc?
3751 Whether branch has delivered revised booklet on rules of business to YES
customer?.
3752 Whether branch has extended Nomination facility as per guidelines? YES
3753 Whether transfer of deposit accounts done as per guidelines?. YES
3754 Whether instant credit facility of local/outstation cheques are duly NO
compiling with the guidelines?.
3755 Whether guidelines for segregating unclaimed Deposits and YES
transferred to BSCA section adhered to?
3756 Whether production of pass book is insisted upon while allowing YES
withdrawals from SB through withdrawal form?
3757 Whether work distribution is recorded and rotation is followed as NO
perguidelines?
3758 Whether any case of misconduct/charge sheet/suspensions if any? NO
3759 Whether branch is maintaining and following up of Leave record YES
registers?
3760 Whether branch is compiling with YES
observations/instruction/suggestions made in reports submitted by
security officers?
3761 Whether branch is maintaining and made available Manuals/Desk cards YES
and Library books?
3762 Whether branch is adhering to the guidelines of SUGGESTION BOX? NO
3763 Whether branch is displaying notice boards with regarding to NO
TIMENORMS FOR VARIOUS TRANSACTIONS, OMBUDSMAN, EXCHANGE OF CUT AND
MUTILATED NOTES, etc?
3764 Whether branch has adhered to the guidelines on customer service NO
committee?
3765 Whether complaint register is maintained and PRR30 is submitted YES
promptly?
3766 Whether branch has taken necessary steps to avoid common YES
accessibility topassbook/pass sheet by the public?
3767 Whether branch has adhered to the guidelines on Banker?s fair YES
practice code for deposits as well as borrowers?
3768 Whether customer terminal is provided, functioning and activated NO
everyday?
CHAPTER-6
3769 Whether branch is accepting coins and currency notes as per norms? YES
3770 Whether branch followed to all guidelines and precautions observed YES
while handling inland bills (ISC/IBC documents)?
3771 Whether branch is following guidelines for issue of cheque books? YES
3772 Whether branch has paid interest for delayed collection of OSCs as NO
per guidelines?
3773 Whether instant credit is extended to all the eligible customers ? NO
CHAPTER-7
CHECKLIST ON AREAS RELATING TO EARNING RISK
4001 Whether branch is promptly collecting Ledger folio charges for

CA/SB/OCCaccounts?
4002 Whether branch is collecting service charges for not maintaining
minimum balance is SB/CA?
4003 Whether branch is promptly collecting Cheque book issued charges
whereverrequired?
4004 Whether parameters for collection of folio charges have been
correctly set?
4005 Whether branch has paid interest to ineligible deposit accounts?
4006 Whether interest provision on Recurring Deposit/term deposit have
beencorrectly made and reversed in applicable cases as per
guidelines?
4007 Whether interest provision made is reversed on the next working day
ofcompletion of calendar quarter?
4008 Whether branch has collected processing charges for all loan
accounts?
4009 Whether branch has collected Up-front fee from all eligible
accounts?
4010 Whether branch has collected Documentation charges from all eligible
accounts?
4011 Whether branch has obtained permission for concessional facilities
wherever extended?
4012 Whether branch has stipulated correct rate of interest to all
accounts
4013 Whether branch is maintaining Mirror account?
4014 Whether branch has charged Excess Interest/Commission
4015 Whether branch has promptly collected penal interest for delayed
submission of stock statements?
4016 Whether branch has collected clean rate of interest for excess
drawings beyond the Drawing powers?
4017 Whether branch has promptly collected the Godown inspection charges?
4018 Whether register for entrustment of work related to interest
calculation,application and checking and for noting income leakage
is maintained?
4019 Whether expenses towards minor repairs and renewals are supported by
appropriate sanction?
4020 Whether branch has promptly collected eligible commission for BG/LC
/ Others?
4021 Whether commission/brokerage earned on Bank assurance
business/mutual fundbusiness are accounted as per guidelines?
4822 Whether branch has claimed/received turn over commission on Govt.
Business wherever applicable?
4023 Whether local purchases of stationary items are within the limit
fixed?
4024 Whether vouchers entered in the registers/.system are checked and
initiated by the concerned officer/manager as per norms?
4025 Whether proper records are maintained in respect of expenditure
incurred on subscription to news paper / conveyance / rent paid /
Business Development/Medical expenses/hospitalizat
4026 Whether compensation is paid to the exporters for delayed period is
as per guidelines?
4050 Whether variations in the yield on advances for the review period is
in tune with the changes in advance mix?
4051 Whether variations in the cost of deposits for the review period is
in tune with the changes in the deposit mix?
CHAPTER-8
CHECKLIST ON AREAS RELATING TO MANAGEMENT RISK
5001 Whether targets for aggregate advance are achieved? If not what is YES
the level of achievement?
5002 Whether targets for average advance are achieved? If not what is the YES
level of achievement?
5003 Whether targets for Priority Sector advance are achieved? If not NO
what is the level of achie
5004 Whether targets for Agricultural advance are achieved? If not what NO
is the level of achievem
5005 Whether targets for Retail Lending are achieved? If not what is the YES
level of achievement?
5006 Whether targets for Foreign Business Turn Over (FBT) are achieved? NO
If not what is the level
5007 Whether targets for aggregate deposits are achieved? If not what is NO
the level of achievement
5008 Whether targets for average deposits are achieved? If not what is NO
5009 Whether targets for Low Cost Deposits are achieved? If not what is NO
5010 Whether targets for Profit are achieved? If not what is the level YES
of achievement?
5011 Whether targets for Non Interest Income are achieved? If not what YES
is the level of achieveme
5012 Whether targets for Revenue Expenditure are achieved? If not what is YES
the level of achievemen
5013 Whether targets for Gross NPA are achieved? If not what is the level NO
of achievement?
5014 Whether targets for Cash Recovery under NPA are achieved? If not YES
what is the level of achiev
CHAPTER-9
CHECKLIST ON AREAS RELATING TO COMPLIANCE RISK
6001 Whether all details required for submission of CIBIL data has been YES
obtained?
6002 Whether branch is collecting service Tax as per guidelines? YES
6003 Whether PAN numbers for deductions are quoted/form 60-61 is enclosed YES
in the TDS returns filed?
6004 Whether branch is reporting in special watch account statement where NO
stock statements not received?
6011 Whether branch is maintaining registers as per Equal remuneration YES
Act and payment of wages Act 1976?
6012 Whether cash Deposits/withdrawals above Rs. 10 lakhs are recorded as YES
per norms?
6013 Whether branch is paying Gratuaty as per Gratuaty Act vide our HO YES
cir. No.343/06?
6024 Whether branch is scrutinizing failed RTGS/NEFT messages as per YES
guidelines?.
6029 Whether credit balance in operative account of the card holder is NO
transferred to cancard division while re
6031 Whether SFMS is used for sending applicable transaction as per YES
norms? Norms?
6032 Whether long form Audit Report of statutory auditors is promptly YES
attended?
6033 Whether all cases (applicable to Designation Branches) have been YES
listed in XOS statement as per guidelines
6034 Whether guidelines on counter signing PP forms are compiled with? YES
6035 Whether R Returns are submitted by the designated branches to handle YES
imports is promptly?
CHAPTER-10
I. FRAUD PRONE AREAS
SlNo Description Status Level of
Compliance
1 Introduction of accounts as per norms. YES 99
Comments:adhered to guidelines
2 Operation in the newly opened accounts: YES 99
Comments:satisfactory
3 Control over issuing of cheque books YES 99
Comments:satsfactory
satsfactory
4 Control over issue of Loose Leaf / upkeep of YES 80

undelivered pass books.
5 Operations in inoperative accounts / illiterates YES 95

accounts
6 Passing of cash cheques - required precautions YES 90
Comments:satisfactory
7 Adherence to KYC guidelines - verification of AOF. YES 99
8 Transfer of deposit A/c from one branch to another by YES 97

DD
9 Delayed despatch of PRR 20 s/NB 139 / NB140 copies of NO 0

credit reports to RO/CO.
Comments:some delay observed, reminders from co observed.
10 Quality of conducting the market enquiry NO 0
Comments:laxity, observed in conducting credit enquiries.
11 Adherence to norms for getting OPL YES 90
12 Treatment of overdue bills/CDBs-Overlooking warning YES 90

signals such as return of bills, cheques and continuing
Comments:
the credit facilities to such parties.
satsfactory
13 Non review of Special Watch Loan list & identification YES 80

of potential Quick Mortality Accounts.
Comments:SWL NO OF ACCOUNTS AND AMOUNT ON INCREASE.
14 Operations stagnant/credit operations to the extent of YES 20
interest debits only in respect of new OCC accounts.
Comments:
Non-reflection of transactions of the borrowers in
symptoms observed in 8 accounts.
their OCC a/cs as against the project
15 Whether all EMTs are in orders and comment whether all YES 90
original documents are deposited as per LSR
CHAPTER-10
Compliance
16 Not conducting inspection of EMT securities by branch YES 99
officials as per norms,for new loan accounts as well as
Comments:
for existing loan accounts
satsfactory
17 Sudden spurt in Advances figures. NO 0
Comments:no such observation.
18 Non-maintenance of Books of Accounts / Stock registers NO 0

/ Purchase Invoices etc. by borrowal customers as
Comments:
observed in NF 814 / correspondence / Inspection
satsfactory
Reports.
19 Random/sample verification for availability of YES 99

securities with VSL loan papers
20 Return of notices/registered notices sent to the YES 20

borrowers.
Comments:some noticies returned preserved with cr files.
21 Requests for frequent overdrawings and Adhoc limits by NO 0

the borrowers and failure to regularize the same in the
Comments:
stipulated time.
observed in 2 cases. converted to NPA.
22 Instances of dishonor of cheques given towards recovery YES 10

of loan instalments
Comments:some cases observed. action under sec 138
initiated.
23 Non-Receipt of loan instalments from the employers of YES 20

the borrowers as per the mandate registered with them
Comments:
by the Bank.
Branch is follwing up with employer.
24 Frequent cash withdrawals from the OCC accounts. NO 0

25 Non-submission of Stock statements, Insurance policies, NO 0

R C Copies, Tax paid Receipts, Original Invoices etc.
26 Control over custody/issuance of security forms and YES 95

preservation as per systems.
27 Whether all specimen signatures are scanned and NO 0

uploaded to the system.
Comments:Scanning not done after convertion to
28 Balancing of high value securities/others as per YES 99

guidelines.
29 Whether security forms of other branches are being used NO 0

contrary to guidelines
30 Abnormal operations in staff accounts. NO 0
CHAPTER-10
Compliance
31 Non balancing of high value security items. NO 0
32 No job rotation to few select employees. YES 50
Comments:officer and clerks found in the same job since 3

years.
33 Instances of few employess not taking any NO 0

leave/availing only few days of leave/availing leave on
Comments:
NPBW days only.
satsfactory
34 Lack of awareness on the concept of Whistle Blowing (HO NO 0

cir 279/04)
Comments:aware
35 Control over responding advices YES 95
36 Unauthorized debits to Income and Expenditure Heads NO 0
37 Safe custody of cheques received for collection / YES 99
deposited in drop box.
38 Verification of outstanding cash BARs. YES 99
39 Realization of collection items above Rs. 5 lakhs by DD YES 90
40 Verification of debits to Interest paid /Accrued YES 90

account with corresponding credit to deposit accounts
Comments:test checked, satsfactory.
41 Verification of debits to loan a/cs with corresponding YES 95

credit to Interest collected a/c / Commission a/c
42 Payment of DDs/POs/TTs & Br Advice Whether required YES 95

precautions (like Referring hot list for DDs) is taken
43 Vouchers Management including Custody/ control - NO 0

whether any delay is observed in stitching slip
Comments:
bundles.
satsfactory
44 Control over -Cash Department Systems & Procedures / YES 70

handling cash.-Clearing / suspense / reconciliation /
Comments:
adjustment
satsfactory
45 Whether Bankers Account / LCCR/ATM failed transactions YES 70

are reviewed and reconciled as per norms?In case of
Comments:
non-reconciliation over a long period, what action is
difference in LCCR persisting since conversion to
initiated by CO / RO?
cbs.
CHAPTER-10
Compliance
46 Control over exercise of powers for sanction of YES 75
loans/renewals/permitting overdrawings/ adhoc limits
Comments:OK
47 Whether all Ex-drawings are reported to RO / CO for YES 99

ratification.
Comments:ratification obtained during the courswe of
insection.
48 IBA for Rs 1 lacs & above to be verified by 2 NO 0

authorized signatories.
Comments:observed several IBAs not verified by 2 officials.
49 Review & comment on operations in Manual Heads in 0

Computerized Branches
Comments:no manual head
50 Use of Ultra violet lamp. YES 99
Comments:available in working condition and being used.
51 Subsidy schemes-Whether subsidy Amount accounted as per YES 99

norms of the Scheme.
Comments:satsfactory. In pmry a/cs during review period
subsidy not claimed.
52 Whether passwords for Admin / root (IBBS) / Manager's YES 99

password for all stand-alone packages like AWB / CIBIL
Comments:
/ ETDS / OLTAS etc. are kept in a separate sealed cover
satsfactory
in double lock.
53 Level of maintenance of password secrecy in the branch YES 99

as per norms.
54 Verification of CTRs (of Rs. 10 lacs and above) / YES 99

STRs.
55 Maintenance of attendance / attendance marking / leave YES 99

registers.
Comments:maintained.
56 Recording movement of Double Lock keys in DL register YES 99

with reference to leave availed by the key holders.
57 Whether there are any extraneous debits / credits in NO 0

Sundry Assets / Pension Payment Heads.N.B. Pension
Comments:
Payments are monthly.
satsfactory
58 Status of compliance to CA / RBIA / AFI / other YES 99

reports.
Comments:one carry over observagtion of previous regular
inspection pending.
59 Whether Preventive Vigilance Committee is constituted / NO 0

functional.
Comments:not constituted.
CHAPTER-11
TECHNOLOGICAL PRODUCTS
1.ATM
NOT APPLICABLE
2.AWB
NOT BEING USED EFFECTIVELY.
3.SFMS/RTGS
BEING USED EFFECTIVELY & MESSAGES ARE BEING GENERATED & PRESERVED.
4.OTHER PACKAGES(CIBIL,ETDS,OLTAS,ETC.,)
OTHER PACKAGES ARE BEING USED AS PER NORM.
CHAPTER-15
INCOME & EXPENDITURE AUDIT
1.Interest Collected
a. Statistics on Yield on Advances:
Head 31.03.6 31.03.7 31.03.8

DPI
Avg. Adv Int Coll. Avg.Adv Int Coll Avg. Adv Int Coll
Avg.Adv Int Coll.
b.Specific comments/critical observations on areas of Interest Collected

Average yield on advances increased from 10.15% to 10.98% during the
2.Commission
Specific comments/critical observations on areas of Commission
For period ending For period ending For period ending
31.03.6 31.03.7 31.03.8
800 974 1101
3. Interest Paid
a.Statistics on Cost of Deposits:
Head 31.03.6 31.03.7 31.03.8

DPI
Avg. Dep Int Paid Avg.Dep Int Paid Avg. Dep Int Paid
Avg.Dep Int Paid
b.Specific comments/critical observations on areas of Interest Paid
Average cost of deposits increased from 5.07% to 7.66% during the
4. General Charges
Specific comments/critical observations on areas of General Charges
For period ending For period ending For period ending
31.03.6 31.03.7 31.03.8
72.00 estb:Rs 46.00 estb Rs 46.54
other 18.00 other 21.86
exoebdutyre brought other revenue
down to 64 lakhs expenditure
from 72 lakhs increased from 18
lakhs to 21.86
lakhs.
POSITION OF IMPLEMENTATION OF INSTRUCTIONS RELATING TO OFFICIAL LANGUAGE

(TO BE VERIFIED AS PER GUIDELINES IN TO 10/93)
Prepared by : CKR
Please comment on the following aspects:
1. Whether a separate file containing orders relating to implementation

of Official Language is being maintained.
YES
2.(a) Whether all letters received in Hindi from the employees, public or
any Govt.Office, are replied to in Hindi only?
YES
(b) Whether a separate Inward/Outward Register is maintained regarding

letters received replied to in Hindi?
NO
(c) Whether a separate record/Hindi serial file is maintained regarding

Hindi letters sent by the branch/office?
NO
3. Whether the Branch (if applicable) / Office is regularly convening the

meetings of OLIC? If so, furnish dates of previous four Meetings and also
the dates when the reports were sent to the controlling office? Whether
the relevant registers are being maintained?
YES 15/01/2009
4. Whether Bank Town Official Language Implementation Committee is

constituted in the Town where Branch/Office is situated. If yes, who is
participating in the Meeting of the Committee? Whether Senior most
Executive is participating?
YES, SENIOR MANAGER
5. Whether quarterly progress reports regarding use of Hindi in Banks in the

prescribed proforma are being submitted regularly within the due date?
YES
Please mention the dates of submission of reports for previous 2 quarters.

01/01/2009 & 31/03/2009
Whether separate file is maintained for Quartly progress report on Hindi?

YES
6. Whether advertisements, notices, invitation cards, etc.are issued in

Hindi, English, Regional Language, by the branches. Please specify.
YES
7.(a) Details regarding name boards, sign boards etc.

NO BOARDS DISPLAYED
(b) Whether counter boards, timing boards etc. are displayed in bilingual/
trilingual form in the prescribed order?
ONLY TIMING BOARD DISPLAYED IN BILINGUAL.
(c) Whether name plates of supervisory staff of the branch are displayed
in bilingual/trilingual form as is applicable?
NO
(d) Whether name plates of Bank's vehicle's are in Hindi also?

ENGLISH
(e) Whether the size of the letters of the above boards is equal?
NA
(f) Whether bilingual rubber stamps are made use of?

YES
8.(a) Whether DDs/Cheques/forms, drawn/filled/signed in Hindi are being

accepted?
YES
(b) Whether a bilingual/trilingual counterboard/poster indicating

the acceptance of the above items is displayed prominently in
the Banking hall
NO
9. Whether forms printed bilingually in Hindi and English are being

made use of in Hindi for all the day-to-day transactions?
YES
10.Whether branch/office is notified under rule 10(4) of OL Rules,1976?

YES
If notified under 10(4) whether the following work is being done in Hindi?
a. Pay Order
COMPUTERISED
b. All types of routine letters.

HINDI
c. Fixed Deposit Receipt.

COMPUTERISED
d. Letter regarding Cheque book.

HINDI
e. Day Book
ENGLISH
f. Attendance Register
HINDI
g. Writing Addresses on Envelopes

HINDI
h. Ledger Remittances Book

ENGLISH
i. Pass Book
ENGLISH
j. Entries in Log Book

ENGLISH
k. Work pertaining to priority Sector, Security, Customer Service

HINDI
l. Opening of New Accounts

HINDI/ENGLISH
m. Work pertaining to employees' - Travelling Allowance, Leave,
Provident Fund, Housing Loan, Medical Expenses
ENGLISH/HINDI
n. Proceedings / Agenda of the Meeting

HINDI
11.Whether international forms of numericals such as 1,2,3 etc.

are being used?
YES
12.Whether reference literature such as dictionaries, banking

terminology, model drafts, etc. are made available to the
staff members and has it culminated in effectively implementing
at the Branch level?
YES
13.Whether instructions regarding use of Hindi are brought to the

notice of the staff members?
YES
14.Whether addresses on the envelopes meant for Hindi speaking states

are being written in Hindi?
YES
15.Whether subjects on the file covers are being written in Hindi also?
YES
16.Whether Hindi newspaper is being subscribed to?

YES
17.Whether Hindi edition of Telephone dierctory is made use of

(in Region A only)
YES
18.Whether badges in Hindi are supplied to Substaff of the branch?

YES
19.Whether telegraphic addresses of the branch are registered in Hindi?

NA
20.Whether postal dyes and licences are bilingualised in Franking machines?

NA
21.In the slip bundles of previous 15 days, generally what percentage of

slips are prepared in Hindi?
60%
22.Whether Shabdha Rathna/Akruti package has been installed for doing the
word processing work?
NO
23.'Bankscript' has been installed in order to generate pass sheets etc

bilingually?
NO
Part - II
Please furnish the following statistical information as on the dt.of the report
Officers Other employees
1. Total no.of staff 7 5

(Excluding subordinate staff)
2. No.of employees possessing working 7 5
knowledge in Hindi
3. Out of the above item No.2, No.of 7 5
employees possessing proficiency in Hindi
4. No.of employees not possessing working 7 5
knowledge in Hindi
5. No.of employees being trained for the examinations

mentioned herein below:
Prabodh 0 0
Praveen 0 0
Pragya 0 0
6.How many employees have participated in Hindi Workshops?

i) In first phase workshop 0 0
ii) 'Akruthi' word processor taining 0 0
iii) Translation training 0 0
7. How many employees do more than 25% 7 5

of their work in Hindi?
8. How many employees have passed Banking 5 3

oriented paper in Hindi examination
9. How many employees appeared for promotional 5 3

Examinations through Hindi Medium?
10.Details regarding steps initiated to train the employees not knowing Hindi
NA
11.Details of letters sent by the branch :

Previous This
Quarter Quarter
1. Total number of letters sent 1808 1787
2. No.of letters sent in Hindi and 1445 1340
percentage thereof 80 75
3. No.of letters sent in English 363 447
4. No.of letters sent in Regional language 0 0
5. Whether a separate register is being maintained for recording the same?

NO
-------- * --------
CANARA BANK
AJMER MAIN
REPORT NAME : IQREPORT.TXT
DATE : 07/05/2009
USER : CKR
SUPPORTING SHEET - DEPOSITS

-----------------------------
INWD SL NO:016721032009
INSP TYPE : REGULAR INSP
Total queries : 761 (excluding queries of HO/CO Power a/cs)

---------------------------------------------------------------------------
INSPECTION SUB TYPE : REGULAR INSP
REVIEW PERIOD : 01/04/2007 TO 28/02/2009
Qry Sl.no.
----------------------------------------------------------------------
HEAD : DEPOSITS GENERAL - CURRENT DEPOSIT
----------------------------------------------------------------------
A/C NO : 0167201001516
LIMIT : LIABILITY :
LOAN DT : AOD DATE : CLOSED DT :
----------------------------------------------------------------------
1 (Ref No : 1-2-9001) /CKR(29384) dt.28/03/2009
Miscellaneous
ACCIYBT IF NEW JUGNU BETTERY PROP: VISHAL TAK - SHOWS
ACCOUNT AS PANKAJ BANSAL.
----------------------------------------------------------------------
A/C NO : 0167201001555
LIMIT : LIABILITY :
LOAN DT : AOD DATE : CLOSED DT :
----------------------------------------------------------------------
2 (Ref No : 1-2-9001) /CKR(29384) dt.28/03/2009
Miscellaneous
ACCOUNT OF M/S MEDI SALES SHOWS NARESH TEKWANI.
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
55 (Ref No : 1-2-3) /CKR(29384) dt.30/04/2009 *** RECTIFIED ***
AOF not made available.
1534

AOF not signed by Manager.
1533, 1537, 1538, 1542.

Address proof not obtained.
1518, 1521, 1529, 1540, 1545.

Form 60/61 incomplete.
1529.

Form 60/61 not available.
1518, 1528, 1545.

Introduction not obtained.
1538

Nomination not registered.
1523, 1531, 1554, 1556.

Partnership letter (NF 116) not obtained in individual
capacity.
1547- NF 111 -- PARTNERS SIGNATURE PROPERTY MARKED.
AND INCOMPLETE.

Photo not obtained.
1518, 1519, 1528, 1538, 1555, 1556.

Photo not signed by Supervisor.
1543, 1550.

Registration of nomination not signed by Manager.
1557.

INTRODUCERS SIGNATURE NOT VERIFIED BY SUPERVISOR.
1515, 1525, 1541, 1545, 1546, 1548, 1549, 1551, 1554, 1556.
----------------------------------------------------------------------
HEAD : DEPOSITS GENERAL - NRE
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
3 (Ref No : 1-8-9001) /CKR(29384) dt.30/04/2009
Miscellaneous
SB NRE 12879 ACCOUNT WRONGLY OPENED AS ORDINARY SB.
----------------------------------------------------------------------
HEAD : DEPOSITS GENERAL - RECURRING DEPOSITS
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
146.

128 TO 131, 140, 142, 143, 147, 149, 150, 151, 156, 158,
165, 166, 169, 170, 173 TO 187, 189 TO

123, 173, 174, 181, 183, 187, 188, 192.

147, 150, 151, 157.
----------------------------------------------------------------------
HEAD : DEPOSITS GENERAL -
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
AOF incomplete.
AOF NOT SIGNED BY DEPOSITOR:
12588, 12616, 12617, 12929, 12976, 13024, 13025.

12567, 12852, 12879, 12903, 12914, 12989, 13005, 13042,
13112.

12568, 12569, 12572, 12575, 12576, 12577, 12585, 12587,
12621, 12622, 12632, 12636, 12649, 12650, 12666, 12687,
12708, 12710, 12718, 12720, 12737, 12741, 12750, 12753,
12754, 12783, 12789, 12812, 12832, 12840, 12862, 12873,
12875, 12878, 12881, 12910, 12919, 12922, 12923, 12925,
12931, 12943, 12945, 12950, 12951, 12954, 12955, 12956,
12960, 12963, 12964, 12985, 12991, 13108, 13005, 13024,
13108, 13110.

Address proof not obtained.
12572, 12599, 12616, 12617, 12619, 12620, 12623, 12646,
12659, 12671, 12672, 12673, 12686, 12687, 12688, 12694,
12716, 12766, 12768, 12773, 12785, 12805, 12805, 12836,
12838, 12848, 12856, 12876, 12890, 12918, 12922, 12939,
12952, 12986, 12991, 12994, 13025, 13036, 13117, 13120.

12568, 12581, 12586, 12594, 12596, 12622, 12640, 12653,
12659, 12680, 12688, 12702, 12703, 12706, 12738, 12777,
12825, 12832, 12834, 12842, 12858, 12908, 12921, 12927,
12945, 12966, 12979, 13002, 13015, 13045, 13113.

12587, 12616, 12617, 12694, 12700, 12701, 12710, 12723,
12732, 12788, 12855, 12992, 13114, 13120.

12622, 12687, 12710, 12972, 13005, 13024, 13140.

NF 116 not obtained.
12758.

12576, 12577, 12582, 12588, 12594, 12595, 12599, 12605,
12607, 12610, 12618, 12628, 12641, 12657, 12658, 12715,
12759, 12773, 12789, 12792, 12793, 12794, 12796, 12799,
12800, 12801, 12822, 12824, 12826, 12829, 12840, 12848,
12849, 12863, 12865, 12866, 12867, 12868, 12881, 12905,
12918, 12922, 12930, 12940, 12947, 12951, 12963, 12968,
12977, 12985, 12988, 13011, 13014, 13017, 13022, 13025,
13027, 13110, 13113, 13114, 13115, 13117.

Photo not obtained.
12560, 12563, 12570, 12587, 12592, 12597, 12616, 12619,
12620, 12623, 12642, 12653, 12694, 12709, 12710, 12711,
12716, 12725, 12728, 12738, 12747, 12749, 12755, 12768,
12797, 12788, 12798, 12802, 12865, 12876, 12890, 12912,
13002, 13033, 13036, 13043, 13047, 13048, 13113, 13114.

Photo not signed by Depositor.
12561, 12564, 12565, 12566, 12568, 12574, 12575, 12579,
12584, 12588, 12590, 12591, 12593, 12594, 12596, 12599,
12605, 12608, 12609, 12610, 12611, 12612, 12613, 12614,
12615, 12619, 12624, 12633, 12634, 12636, 12649, 12651,
12654, 12658, 12660, 12663, 12667, 12677, 12678, 12674,
12680, 12685, 12687, 12688, 12702, 12703, 12704, 12708,
12710, 12714, 12715, 12720, 12721, 12723, 12724, 12732,
12733, 12748, 12752, 12754, 12759, 12762, 12765, 12767,
12771, 12785, 12790, 12794, 12799, 12800, 12801, 12807,
12809, 12810 TO 12814, 12816, 12818 TO 12820, 12822, 12824,
12825, 12828, 13834, 12843, 12844, 12855, 12856, 12866,
12877, 12880, 12884, 12886, 12887, 12894, 12895, 12900,
12908, 12909, 12911, 12913, 12928, 12931, 12936, 12939,
12944, 12945, 12953, 12956, 12957, 12966, 12969, 12975,
12978, 12980, 12993, 12996, 13016, 13017, 13020, 13024,
13025, 13028, 13029, 13030, 13035, 13040, 13041, 13110,
13111, 13113, 13114, 13115, 13119.

Photo not signed by Supervisor.
PHOTO NOT VERIFIED BY SUPERVISOR IN ALMOST ALL THE CASES.

12564, 12565, 12571, 12633, 12675, 12689, 12695, 12720,
12734, 12743, 12770, 12803, 12835, 12852, 12880, 12885,
12886, 12894, 12910, 12915, 12925, 12927, 12935, 12941,
12949.

Zero balance account not reviewed.

Miscellaneous
1: SB 12584 - JOINT DEPOSITOR NOT SIGNED APPLICATION. OTHER
KYC
REQUIREMENTS NOT ADHERED.
2. JOINT ACCOUNT WITH MINOR. NOW MINOR ATTAINED MAJORITY.
OPERATION CONDITION NOT MENTIONED.

Miscellaneous
SB 12761 - DEPOSITORS SIGNATURE MARKED AS FOR MEGRISHI
TRADERS.

Miscellaneous
SB 12652- HUF LETTER (NF 112) NOT OBTAINED.

A/C TRANSFERRED FROM ONE BRANCH TO ANOTHER BRANCH. GUIDELINES
NOT ADHERED:
12898, 12918.

A/C OF ASSOCIATION OF PERSONS, REGD/UNREGISTERED BODIES:
ARTICLES OF ASSOCIATION, PROPER SESOLUTION, RULES AND BYE LAWS
NOT OBTAINED:
12597.
RESOLULTION NOT OBTAINED:

12896, 12590.

JOINT DEPOSITORS NAME ADDED. AOF OBTAINED IS NOT AS PER
GUIDELINES.
12634, 12735, 12755, 12911, 13016.

INTRODUCERS SIGNATURE NOT VERIFIED BY SUPERVISOR.
12569, 12572, 12575, 12586, 12608 TO 12615, 12741, 12774,
12811 TO 12816, 12820, 12825, 12826, 12827, 12836, 12839,
12848 TO 12851, 12853 TO 12856, 12858, 12875, 12880, 12890,
12892, 12894, 12895, 12901, 12906, 12913, 12919, 12927,
12928, 12943, 12951, 12960, 12963, 12964, 12975, 12977 TO
12980, 12985, 12986, 12990, 12992 TO 12996, 13010, 13018,
13021, 13022, 13027, 13035, 13043, 13045, 13049, 13111,
13113, 13114, 13115, 13117.
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
4 (Ref No : 1-103-3) /CKR(29384) dt.26/03/2009
12696, 12944, 12951.

12682

12601, 12632, 12639, 12745.

12746.

Miscellaneous
1. local address proof not obtained: 12860.

Miscellaneous
passport copy not verified:
12682, 12745, 12746, 12860.

Miscellaneous
Proof of employment/VISA not obtained: 12926.

Miscellaneous
correct AOF NOT used for NRO 12826.
5 (Ref No : 1-103-9005) /CKR(29384) dt.26/03/2009

Miscellaneous
ACCOUNTS WRONGLY OPENED AS SB GENERAL INSTEAD OF NRE/NRO.
12852, 12879.
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
Proper account opening form not obtained.
12826.
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
AOF incomplete.
12933, 12934, 12944.

12916, 12969, 12970, 12980.

12912, 12962.

12931, 12956, 12957, 12958, 12960.

12959, 12976.

12932.

NF 116 not obtained.
12921.
6 (Ref No : 1-108-29) /CKR(29384) dt.26/03/2009

12911, 12913, 12933, 12935, 12937 to 12939, 12941 to 12952,
12960.

Photo not obtained.
12927, 12929, 12936, 12944, 12956, 12957, 12968.

Photo not signed by Depositor.
12913.
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
AOF incomplete.
303-74, 100, 105.

AOF NOT PROPERLY MAINTAINED. 20 % OF THE ACCOUNTS CHECKED -
AOF NOT MADE AVAILABLE IN MANY ACCOUNTS AS PER LIST.

78.
303-67, 86, 89, 98.

303-86, 89, 97, 102.
307-2.

76, 78.
303-51, 67, 104, 113.
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
AOF NOT PROPERLY MAINTAINED. 20 % ACCOUNTS CHEKCKED LIST
ENCLOSED.

65.
333-50, 65, 66, 67, 70, 80, 83, 93, 99, 101, 102, 103, 104,
105, 106, 108, 109, 113, 115, 116, 117, 117, 121, 135, 137.

65.
333-91, 93, 100, 101, 102, 103, 104, 105, 106, 117.

Nomination registered without signature of card holder.
333-115, 135.

333-50, 65, 66, 67, 70, 80, 83, 99, 101, 102, 108, 109.
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
1.
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
AOF incomplete.
1358-2, 1436-1, 1485-2, 1491-2, 1605-1, 1680-1, 1681-1,
1728-1, 1827-1, 1842/1, 1882-1, 1912-1, 1926-1, 1942-1,
2154-1.

CHECKED ABOUNT 15% OF ACCOUNTS. AOF NOT AVAILABLE PLENTY OF
ACCOUNTS AS PER LIST ENCLOSED. NEEDS UPDATING FILING OF A/C
OPENING FORMS/

1229, 1258, 1274, 1296, 1297, 1304, 1333, 1346, 1347, 1356,
1364, 1369, 1375, 1389, 1391, 1406, 1417, 1425, 1426, 1429,
1430, 1446, 1447, 1448, 1449, 1450, 1467, 1468, 1480, 1481,
1494, 1496, 1536, 1543 to 1548, 1551, 1553, 1571, 1583,
1593, 1605, 1607, 1608, 1634, 1635, 1658, 1659, 1665, 1673,
1680, 1681, 1691, 1692, 1701, 1704, 1708, 1709, 1710, 1714,
1715, 1717, 1718, 1732, 1735, 1737, 1738, 1744, 1757, 1762,
1764, 1776, 1781, 1784, 1787, 1788, 1789, 1801, 1802, 1803,
1812, 1827, 1838, 1840, 1841, 1843, 1846, 1849, 1851, 1853,
1853, 1857, 1858, 1860, 1861, 1865, 1866, 1871, 1872, 1877,
1881, 1886, 1888, 1889, 1890, 1891, 1896, 1897, 1898, 1899,
1900, 1909, 1910, 1911, 1915, 1917, 1919, 1921, 1923, 1932,
1947, 1950, 1953, 1957, 1960, 1963, 1964, 1965, 1970, 1974,
1976, 1977, 1979, 1981, 1991, 1992, 1994, 1995, 1997, 1999,
2000, 2001, 2011, 2013, 2019, 2020, 2045, 2050, 2056, 2059,
2064, 2665, 2067, 2070, 2085, 2086, 2093, 2096, 2097, 2111,
2115, 2116, 2117, 2119, 2124, 2126, 2127, 2128, 2129, 2131,
2132, 2133, 2134, 2136, 2143, 2146, 2147, 2148, 2149, 2150,
2152, 2155, 2159.

1257, 1297, 1345, 1357, 1364, 1379, 1389, 1447, 1465, 1467,
1482, 1534, 1540, 1542, 15481583, 1593, 1654, 1704, 1708,
1717, 1718, 1733, 1748, 1749, 1752, 1761, 1763, 1781, 1787,
1788, 1789, 1795, 1803, 1816, 1823, 1843, 1846, 1849, 1851,
1854, 1879, 1889, 1965, 1994, 2060, 2066, 2073, 2074, 2075,
2086, 2087, 2093, 2111, 2122, 2125, 2136, 2159.

Nomination registered without signature of card holder.
1625, 1733, 2066.

1406, 1446, 1481, 1494, 1535, 1543, 1633, 1675, 1701, 1707,
1709, 1710, 1714, 1737, 1738, 1801, 1811, 1865, 1872, 1880,
1899, 1900, 1915, 1964, 1972, 1973, 1999, 2102, 2118, 2131,
2150, 2156, 2158.

Miscellaneous
2TERM DEPOSIT ACCOUNTS MAINTAINED AS PER THE ORDERS OF CITY
CIVIL COURT AJMER.
1. ACCOUNTS ARE MAINTAINED IN THE NAME OF THE COURT

NYAYALAY, CIVIL JUDGE SR DIV 7.
2. COURT INSTRUCTION LETTER NOT MADE AVAILABLE.
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
1 TO 4.
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
122 TO 272.
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
102, 103, 105, 106, 109, 111, 112, 113, 116, 117, 118 TO
123, 125 TO 130, 132 TO 134, 136 TO 147, 150 TO 153.

Miscellaneous
OBSERVED DIFFERENCE BETWEEN FD STATEMENT AND BRANCH
BALANCING FOR 31/12/2007 IN FCNR ACCOUNTS.
FD BAL BRANCH BAL.
501 USD 2852060.74 2836662.20
502 GBP 46245.74 46250.57
503 EUR 248282.39 248296.45
BRANCH TO RECONCILE WITH THE FD MEMO FOR INTEREST PROVISIONS

AND TAKEUP WITH FD.
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
7 TO 11, 13, 14.
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
11 TO 14, 17 TO 21, 23.
----------------------------------------------------------------------
HEAD : ADVANCES GENERAL - ADVANCES AGAINST DEPOSITS - VSL/OTHERS
----------------------------------------------------------------------
A/C NO : VSL SSI/000314 DEVESHWAR PRASAD GUPTA
LIMIT : 3827000.00 LIABILITY : 4348010.00

LOAN DT : 10/03/2000 AOD DATE : 07/07/2007 CLOSED DT : / /
----------------------------------------------------------------------
133 (Ref No : 2-3-9001) /SKR(70440) dt.18/04/2009 *** RECTIFIED ***
Miscellaneous
SUPPLEMENTAL LETTER NOT OBTAINED FOR ENHANCING THE LIMIT
FROM Rs.24.85 LAKH TO Rs.38.27 LAKH.
----------------------------------------------------------------------
A/C NO : ALVSL/001637 DWANI MITTAL
LIMIT : 2300.00 LIABILITY : 3333.00

----------------------------------------------------------------------
AOD TO BE OBTAINED. DOL/AOD COMPLETED ......
36 MONTH.
----------------------------------------------------------------------
A/C NO : VSL PSE/002291 S.R.BHASIN
LIMIT : 650000.00 LIABILITY : 680757.00

LOAN DT : 02/09/2006 AOD DATE : / / CLOSED DT : / /
----------------------------------------------------------------------
Miscellaneous
ROI TO BE MODIFIED TO 10.75% FROM 9% WEF 23/5/08.

Miscellaneous
VSL LOAN PAPERS ARE EXECUTED BY SMT MADHU BHASIN BUT ACCOUNT
HAS BEEN OPENED IN THE NAME OF SRI S R BHASIN

SHORT INTEREST COLLECTED.
Rs.11331/-
----------------------------------------------------------------------
A/C NO : ALVSL/002496 JOSEPH ROZARIO
LIMIT : 40000.00 LIABILITY : 44036.00

----------------------------------------------------------------------
Miscellaneous
ROI TO BE MODIFIED FROM 9% TO 10.25% WEF 30/10/07.

----------------------------------------------------------------------
A/C NO : ALVSL/002651 S.JINDAL
LIMIT : 300000.00 LIABILITY : 303078.00

----------------------------------------------------------------------
Miscellaneous
LOAN PAPER NOT SIGNED BY BORROWER.
----------------------------------------------------------------------
HEAD : ADVANCES GENERAL - ADVANCES AGAINST MACHINERY & PROPERTY
----------------------------------------------------------------------
A/C NO : ML NP/001554 NEW PATTERN PROGRESSIVE SEC.SCHOOL
LIMIT : 300000.00 LIABILITY : 123649.00
----------------------------------------------------------------------
Insurance not covered.
----------------------------------------------------------------------
A/C NO : ML SB/001886 GURUMUKHDAS BUDHWANI
LIMIT : 100000.00 LIABILITY : 32183.00

----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : ML SSI/002460 RAHUL EMBIODERY WORKS
LIMIT : 450000.00 LIABILITY : 343183.00

----------------------------------------------------------------------
Miscellaneous
SME GRADED INTEREST IS BEING CHARGED IN THE ACCOUNT BUT
GRADATION SHEET NOT PREPARED.

DATE IS NOT FURNISHED OVER NF373.
LEFT BLANK.
----------------------------------------------------------------------
A/C NO : CANTRADE/002645 QUEEN MARY'S SCHOOL
LIMIT : 990000.00 LIABILITY : 983876.00

----------------------------------------------------------------------
Broken period EC not obtained.
8/1/03 TO 25/3/08

EMT PROPERTY.

Miscellaneous
SCHEDULE A (PAGE-9) OF TERM LOAN IS LEFT BLANK.

FRESH VALUATION REPORT OF EMT PROPERTY IS NOT ON RECORD.

RISK RATING OF ACCOUNT AS PER SMALL VALUE MODEL NOT DONE.

NOT FILLED UP COMPLETELY.
----------------------------------------------------------------------
HEAD : ADVANCES GENERAL - CANBUDGET
----------------------------------------------------------------------
A/C NO : CANBUDGET/001409 MURARI LAL
LIMIT : 60000.00 LIABILITY : 39141.00

----------------------------------------------------------------------
7 (Ref No : 2-5-9078) /SKR(70440) dt.20/04/2009
AOD FROM COOBLIGANT NOT MADE AVAILABLE.
----------------------------------------------------------------------
A/C NO : CANBUDGET/001555 ASHISH MISHRA
LIMIT : 30000.00 LIABILITY : 18474.00

----------------------------------------------------------------------
ADVOCATES PROGRESS REPORT IN RESPECT OF SUIT IS NOT ON RECORD.
----------------------------------------------------------------------
A/C NO : CANBUDGET/002039 ASHOK KUMAR SHARMA
LIMIT : 70000.00 LIABILITY : 27321.00

----------------------------------------------------------------------
AS PER PRUDENTIAL NORM ACCOUNT TO BE CLASSIFIED AS NPA BUT
ACCOUNT HAS BEEN KEPT AS STD.
----------------------------------------------------------------------
A/C NO : CANBUDGET/002093 OM PRAKASH MAHAWAR
LIMIT : 60000.00 LIABILITY : 43891.00

----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : CANBUDGET/002100 MAHIPAL SINGH DHAKA
LIMIT : 90000.00 LIABILITY : 36595.00

----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : CANBUDGET/002107 RAMDEEN KHINCHI
LIMIT : 45000.00 LIABILITY : 17516.00

----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : CANBUDGET/002154 LICHA RAM
LIMIT : 35000.00 LIABILITY : 19668.00

----------------------------------------------------------------------
SEC-138
----------------------------------------------------------------------
A/C NO : CANBUDGET/002169 VIKRAM SINGH
LIMIT : 90000.00 LIABILITY : 38247.00

----------------------------------------------------------------------
36 MONTH.
----------------------------------------------------------------------
A/C NO : CANBUDGET/002191 SAMED NOOR
LIMIT : 40000.00 LIABILITY : 20806.00

----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : CANBUDGET/002218 SATISH CHAND JANGID
LIMIT : 60000.00 LIABILITY : 19039.00

----------------------------------------------------------------------
36 MONTH.
----------------------------------------------------------------------
A/C NO : CANBUDGET/002239 JAGMAL SINGH RATHORE
LIMIT : 50000.00 LIABILITY : 27887.00

----------------------------------------------------------------------

36 MONTH.
----------------------------------------------------------------------
A/C NO : CANBUDGET/002253 ASHOK RAHUL
LIMIT : 90000.00 LIABILITY : 47807.00

----------------------------------------------------------------------
8 (Ref No : 2-5-9078) /SKR(70440) dt.20/04/2009
----------------------------------------------------------------------
A/C NO : CANBUDGET/002254 RAVI TAPARIA S/O RAMESH CHAND TAPARIA
LIMIT : 100000.00 LIABILITY : 41447.00

----------------------------------------------------------------------
35 MONTH.
----------------------------------------------------------------------
A/C NO : CANBUDGET/002287 PANKAJ GANGWAL
LIMIT : 50000.00 LIABILITY : 22868.00

----------------------------------------------------------------------

32 MONTH.
----------------------------------------------------------------------
A/C NO : CANBUDGET/002299 NAWAL KISHORE THADA
LIMIT : 50000.00 LIABILITY : 40543.00

----------------------------------------------------------------------

31 MONTH.
----------------------------------------------------------------------
A/C NO : CANBUDGET/002310 CHANGESH CHAND S/O BHAWANI CHAND
LIMIT : 30000.00 LIABILITY : 15854.00

----------------------------------------------------------------------
30 MONTH.
----------------------------------------------------------------------
A/C NO : CANBUDGET/002316 SHAKUNTALA PANWAR.
LIMIT : 60000.00 LIABILITY : 49561.00

----------------------------------------------------------------------
30 MONTH.
----------------------------------------------------------------------
A/C NO : CANBUDGET/002357 TULSI RAM S/O BIJULIA
LIMIT : 40000.00 LIABILITY : 28350.00

----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : CANBUDGET/002462 BHARAT BHUSHAN S/O HUKAM CHAND
LIMIT : 100000.00 LIABILITY : 75681.00

----------------------------------------------------------------------
Pronote not witnessed by two persons.

Salary mandates not obtained.
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
9 (Ref No : 2-5-9001) /SKR(70440) dt.20/04/2009
Miscellaneous
PDC OBTAINED BUT NOT PRESERVED AS PER PDC GUIDELINES.

ACCOUNT IS NPA SINCE LONG & NO RECOVERY IS FORTHCOMING. BRANCH
TO SUBMIT NF606/607 TO CO ALONG WITH SUITABLE RECOMMENDATION.
A/C NO NAME
1409 MURARI LAL
1449 PRAHALAD CHAUDHARY
1705 DR HEM SINGH
1974 TARA CHAND
1814 ASHOK SETHI
1965 MAHAVIR SINGH
2154 LICHA RAM

FOLLOWING ACCOUNTS ARE OVERDUE BRANCH TO FOLLOWUP WITH THE
PARTY FOR RECOVERY OF OVERDUE AMOUNT.
A/C NO AMOUNT(Rs)
2381 3041
2411 5932
1977 6152
2039 15541
2093 13955
2100 9908
2218 7401
2287 2512
2357 12021
2308 2941
2382 3978
2397 3300
2008 6232
2239 6595
2291 10263
2417 6836
----------------------------------------------------------------------
HEAD : ADVANCES GENERAL - CANJEWEL
----------------------------------------------------------------------
A/C NO : CANJEWEL/002361 MURLIDHAR HEMANDAS
LIMIT : 50000.00 LIABILITY : 41964.00

----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : CANJEWEL/002616 JAI SHANKER SHARMA
LIMIT : 100000.00 LIABILITY : 102692.00

----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : CANJEWEL/NO ACCOUNT
----------------------------------------------------------------------
ACCOUNT OVERDUE AMOUNT
2361 15195
2427 7701
2635 2991
2616 14880
----------------------------------------------------------------------
HEAD : ADVANCES GENERAL - CANMAHILA
----------------------------------------------------------------------
A/C NO : CAN-MAHIL/001963 CHAND MEENA W/O LATE PUSHKAR RAJ MEENA
LIMIT : 40000.00 LIABILITY : 39044.00

----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : CAN-MAHIL/002158 SHASHI KHINCHI
LIMIT : 50000.00 LIABILITY : 47327.00

----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : CAN-MAHIL/002181 BATUL BEGUM
LIMIT : 50000.00 LIABILITY : 27692.00

----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : CAN-MAHIL/002211 REKHA DEVI
LIMIT : 50000.00 LIABILITY : 42955.00

----------------------------------------------------------------------
36 MONTH.
----------------------------------------------------------------------
A/C NO : CAN-MAHIL/002261 ANITA YADAV
LIMIT : 50000.00 LIABILITY : 21195.00

----------------------------------------------------------------------
34 MONTH.
----------------------------------------------------------------------
A/C NO : CAN-MAHIL/NO ACCOUNT
----------------------------------------------------------------------
ACCOUNT NO OVERDUE AMOUNT
2185 3331
2379 1876
----------------------------------------------------------------------
HEAD : ADVANCES GENERAL - CANMOBILE
----------------------------------------------------------------------
A/C NO : CANMOBILE/002352 BHAGWAN DAS BHAWNANI S/O HASOMAL BHAWANA
LIMIT : 33000.00 LIABILITY : 17961.00

----------------------------------------------------------------------
BREAK IN INSURANCE.
----------------------------------------------------------------------
A/C NO : CANMOBILE/002461 RAMESH MEGHVANSHI
LIMIT : 190000.00 LIABILITY : 160082.00

----------------------------------------------------------------------
BREAK IN INSURANCE.

----------------------------------------------------------------------
A/C NO : CANMOBILE/002468 PRAKASH CHAND
LIMIT : 30000.00 LIABILITY : 20494.00

----------------------------------------------------------------------
BREAK IN INSURANCE.

----------------------------------------------------------------------
A/C NO : CANMOBILE/002469 TRILOK CHAND JAINS/O LT SH. PANNA LAL
LIMIT : 30000.00 LIABILITY : 22075.00

----------------------------------------------------------------------
Bank clause not incorporated in insurance policies.

----------------------------------------------------------------------
A/C NO : CANMOBILE/002477 ANNIE DSOUZA
LIMIT : 200000.00 LIABILITY : 173149.00

----------------------------------------------------------------------
LEFT BLANK.
----------------------------------------------------------------------
A/C NO : CANMOBILE/002478 MR.DEEPAK NAGPAL
LIMIT : 30000.00 LIABILITY : 15901.00

----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : CANMOBILE/002608 ANUJ NUWAL
LIMIT : 47000.00 LIABILITY : 43560.00
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : CANMOBILE/002611 SYED DANISH ALI
LIMIT : 235000.00 LIABILITY : 225481.00

----------------------------------------------------------------------
BREAK IN INSURANCE

----------------------------------------------------------------------
A/C NO : CANMOBILE/002631 JAI PRAKASH VIG
LIMIT : 210000.00 LIABILITY : 213573.00

----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : CANMOBILE/002662 JAGTAR SINGH
LIMIT : 280000.00 LIABILITY : 280000.00

----------------------------------------------------------------------
Miscellaneous
INCOME PROOF OF GUARANTOR IS NOT ON RECORD.

----------------------------------------------------------------------
A/C NO : CANMOBILE/167.603.2663 VIJAY HINGAD
LIMIT : 155000.00 LIABILITY : 130000.00

----------------------------------------------------------------------
Miscellaneous
NF373 NOT OBTAINED.
----------------------------------------------------------------------
A/C NO : CANMOBILE/167.603.2664 RANJEET SINGH CHAUDHARY
LIMIT : 351000.00 LIABILITY : 274000.00

----------------------------------------------------------------------
RC Copy not obtained.
----------------------------------------------------------------------
A/C NO : CANMOBILE/167.603.2669 HIRALAL
LIMIT : 190000.00 LIABILITY : 178000.00

----------------------------------------------------------------------
Miscellaneous
VEHICLE IS REGISTERED AS TRANSPORT VEHICLE(TAXI VAN). BRANCH
SEEK RATIFICATION FROM CO FOR SANCTIONING TRANSPORT VEHICLE
UNDER CANARA MOBILE SCHEME.
----------------------------------------------------------------------
A/C NO : CANMOBILE/167.603.2670 RAM NIWAS SHARMA
LIMIT : 300000.00 LIABILITY : 282000.00

----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : CANMOBILE/167.603.2671 MAHESH BADLANI
LIMIT : 200000.00 LIABILITY : 194000.00

----------------------------------------------------------------------
Sanction communication not acknowledged by borrowers.

Miscellaneous
RATING SHEET NOT PREPARED.

----------------------------------------------------------------------
A/C NO : CANMOBILE/167.603.2672 MAHENDRA JAIN
LIMIT : 450000.00 LIABILITY : 438000.00

----------------------------------------------------------------------
Miscellaneous

NOT COMPLETELY FILLED UP
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
2468 2138
2611 10577
----------------------------------------------------------------------
HEAD : ADVANCES GENERAL - DIR (AL & NON-AL)
----------------------------------------------------------------------
A/C NO : DIRSB/002563 SANTOSH KACHAWA W/O NARENDRA KACHAWA
LIMIT : 15000.00 LIABILITY : 14749.00

----------------------------------------------------------------------
10 (Ref No : 2-17-9001) /SKR(70440) dt.22/04/2009
Miscellaneous
SECOND DIR LOAN SANCTIONED AFTER CLOSURE OF FIRST DIR
LOAN(2353 & 2563)
----------------------------------------------------------------------
A/C NO : DIRPSE/002600 SAROJ W/O MUKESH JADAM
LIMIT : 15000.00 LIABILITY : 14670.00

----------------------------------------------------------------------
11 (Ref No : 2-17-9001) /SKR(70440) dt.22/04/2009
Miscellaneous
SECOND DIR LOAN HAS BEEN SANCTIONED TOP THE PARTY AFTER
CLOSURE OF FIRST DIR LOAN-2326. BRANCH TO SEEK RATIFICATION
FROM CO.
----------------------------------------------------------------------
HEAD : ADVANCES GENERAL - DPN
----------------------------------------------------------------------
A/C NO : DPNRT/002443 SITA DEVI W/O GIRDHARI GUJAR
LIMIT : 15000.00 LIABILITY : 10328.00

----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : DPNRT/002574 SUMESH BIJAWAT S/O LATE S N BIJAWAT
LIMIT : 25000.00 LIABILITY : 23231.00

----------------------------------------------------------------------
Guarantee agreement (NF 370) not signed on behalf of bank.

----------------------------------------------------------------------
HEAD : ADVANCES GENERAL - EDUCATIONAL LOANS
----------------------------------------------------------------------
A/C NO : EL/001834 AKSHYA DANIEL DUTT
LIMIT : 250000.00 LIABILITY : 260515.00
----------------------------------------------------------------------
EL - Course completion certificate not obtained.
----------------------------------------------------------------------
A/C NO : EL/001864 HITESH VERMA
LIMIT : 250000.00 LIABILITY : 139009.00
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : EL/001999 ANKIT BHARGAVA
LIMIT : 300000.00 LIABILITY : 330990.00
----------------------------------------------------------------------

BILLS/RECEIPT IN RESPECT OF DISBURSEMENT MADE ON THE FOLLWING
DATE IS NOT ON RECORD.
23/7/07 & 27/12/07
----------------------------------------------------------------------
A/C NO : EL/002094 VIVEK PRATAP SINGH RATHORE
LIMIT : 350000.00 LIABILITY : 308379.00
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : EL/002098 AYUSH BHARGAVA
LIMIT : 400000.00 LIABILITY : 449527.00
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : EL/002110 SALONI BHATNAGAR
LIMIT : 226000.00 LIABILITY : 211562.00
----------------------------------------------------------------------
EL - Progress report / Mark sheet not available.

27/7/08 & 31/7/08
----------------------------------------------------------------------
A/C NO : EL/002116 SORABH BHARGAVA
LIMIT : 288000.00 LIABILITY : 210502.00
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : EL/002122 ASHISH MAMODIA
LIMIT : 272000.00 LIABILITY : 222428.00
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : EL/002171 RUDRESH SOLANKI
LIMIT : 360000.00 LIABILITY : 329998.00
----------------------------------------------------------------------

7/7/07, 22/9/08 & 7/11/08
----------------------------------------------------------------------
A/C NO : EL/002282 REKHA SATIDASANI
LIMIT : 172000.00 LIABILITY : 144449.00
----------------------------------------------------------------------

18/4/07
----------------------------------------------------------------------
A/C NO : EL/002297 SHIVANI JAIN
LIMIT : 195800.00 LIABILITY : 92545.00
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : EL/002505 SHRUTI SAXENA
LIMIT : 250000.00 LIABILITY : 132043.00
----------------------------------------------------------------------

Loan papers not adequately stamped.
NF440 UNDERSTAMPED TO THE TUNE OF Rs.30/-

Miscellaneous
REPAYMENT SCHEDULE IS NOT FURNISHED OVER NF440.
----------------------------------------------------------------------
A/C NO : EL/002506 TINA CHOUDHARY
LIMIT : 400000.00 LIABILITY : 441109.00
----------------------------------------------------------------------


28/6/07
----------------------------------------------------------------------
A/C NO : EL/002515 KISHORE ASRANI
LIMIT : 260000.00 LIABILITY : 105648.00
----------------------------------------------------------------------

----------------------------------------------------------------------
A/C NO : EL/002518 HITESH PARWANI S/O HERO PARWANI
LIMIT : 200000.00 LIABILITY : 52968.00
----------------------------------------------------------------------

Miscellaneous
COURSE DETAIL IS NOT FURNISHED OVER PAGE 2 OF NF440.

30/12/08
----------------------------------------------------------------------
A/C NO : EL/002541 HARISH UDASI
LIMIT : 363000.00 LIABILITY : 125729.00
----------------------------------------------------------------------
Miscellaneous
INSURANCE WAIVER LETTER IN RESPECT OF LAPTOP IS NOT ON
RECORD.

Miscellaneous
SIGNATURE OF BOTH BORROWER NOT OBTAINED OVER NF855

5/7/08 & 1/1/09
----------------------------------------------------------------------
A/C NO : EL/002553 MANISH VERMA
LIMIT : 100000.00 LIABILITY : 40998.00
----------------------------------------------------------------------


Miscellaneous
BRANCH TO CONFIRM THAT COURSE IS APPROVED BY AICTE.

23/9/08
----------------------------------------------------------------------
A/C NO : EL/002660 HEMANT SINGHAL
LIMIT : 860000.00 LIABILITY : 382284.00
----------------------------------------------------------------------


10/4/08 TO 19/4/08

EMT PROPERTY.

Miscellaneous
INSURANCE WAIVER LETTER IN RESPECT OF LAPTOP IS NOT ON
RECORD.
----------------------------------------------------------------------
A/C NO : EL/167.651.2661 BHAWANI PRATAP SINGH
LIMIT : 700000.00 LIABILITY : 327000.00
----------------------------------------------------------------------


EMT PROPERTY,
12 (Ref No : 2-20-9001) /SKR(70440) dt.20/04/2009

Miscellaneous
TITLE CONFERRING LETTER DTD-25/12/89 IN RESPECT OF EMT
PROPERTY IS NOT REGISTERED IN SUB REGISTRAR OFFICE.

17/2/09
----------------------------------------------------------------------
A/C NO : EL/167.651.2662 ABHISHEK BODH
LIMIT : 131000.00 LIABILITY : 47000.00
----------------------------------------------------------------------


21/11/08
----------------------------------------------------------------------
A/C NO : EL/167.651.2663 SANPREET KAUR
LIMIT : 400000.00 LIABILITY : 64000.00
----------------------------------------------------------------------

----------------------------------------------------------------------
A/C NO : EL/167.651.2664 DEEPIKA OJHA
LIMIT : 110000.00 LIABILITY : 45000.00
----------------------------------------------------------------------

Miscellaneous
COURSE PARTICULAR IS NOT FURNISHED ON PAGE-2 OF NF440.

22/7/08
----------------------------------------------------------------------
A/C NO : EL/167.651.2665 CHARU LATA SHARMA
LIMIT : 174600.00 LIABILITY : 58000.00
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : EL/167.651.2666 GARIMA SUNDAYA
LIMIT : 350000.00 LIABILITY : 94000.00
----------------------------------------------------------------------

Miscellaneous
BRANCH TO CONFIRM THAT COURSE IS APPROVED BY AICTE.
----------------------------------------------------------------------
A/C NO : EL/167.651.2667 PRADEEP YADAV
LIMIT : 300000.00 LIABILITY : 54000.00
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : EL/167.651.2668 BHAWANA DEVANA
LIMIT : 93000.00 LIABILITY : 93000.00
----------------------------------------------------------------------

Miscellaneous
INSURANCE WAIVER LETTER NOT OBTAINED IRO LAPTOP.
Miscellaneous
COURSE DETAIL NOT FURNISHED OVER PAGE-2 OF NF440.

----------------------------------------------------------------------
A/C NO : EL/167.651.2670 AMAR MODI
LIMIT : 400000.00 LIABILITY : 243000.00
----------------------------------------------------------------------

18/2/09
----------------------------------------------------------------------
HEAD : ADVANCES GENERAL - HL TO OTHERS
----------------------------------------------------------------------
A/C NO : 0167619000431 JAGADISH SINGH SAHANI
LIMIT : 295000.00 LIABILITY : 287971.00
----------------------------------------------------------------------
REPAYMENT IRREGULAR:
BRANCH TO FOLLOWUP FOR OVERDUES AND ADVICE BORROWERS TO
ADHERE TO REPAYMENT SCHEDULE.

Security verification:
----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619001249 ANIL SINGH
LIMIT : 250000.00 LIABILITY : 133503.00

----------------------------------------------------------------------
Miscellaneous
AOD DATED 7/8/09 MARKED AS A/C CLOSED ON THE FORM.
AOD FROM CO-OBLIGANT NOT MADE AVAILABLE.
----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619001377 MANOHAR CHAND PATHAK
LIMIT : 300000.00 LIABILITY : 230309.00

----------------------------------------------------------------------
Miscellaneous
AOD DATED 4/5/05 NOT SIGNED BY CO-BORROWER.
----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619001383 DEEPENDRA SHARMA
LIMIT : 200000.00 LIABILITY : 150997.00

----------------------------------------------------------------------
Miscellaneous
AOD DATED 6/2/06 AND 11/12/08 COOBLIGANT NOT SIGNED.

Miscellaneous
AOD DATED 11/12/08 -SINGLE WITNESS.
----------------------------------------------------------------------
A/C NO : 0167619001457 MUNNA LAL BHATI
LIMIT : 200000.00 LIABILITY : 127977.00
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619001551 VIMLESH THAKUR
LIMIT : 200000.00 LIABILITY : 66547.00

----------------------------------------------------------------------
Miscellaneous
AOD DATE 12/12/08 NOT LINKED TO AOD 3/1/06 AND SINGLE
WITNESS.
----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619001757 KAMAL WADHWANI
LIMIT : 600000.00 LIABILITY : 543366.00

----------------------------------------------------------------------
13 (Ref No : 2-22-9106) /CKR(29384) dt.02/05/2009
14 (Ref No : 2-22-9106) /CKR(29384) dt.23/04/2009

----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619001991 SHAKUNTALA PANWAR AND VIOND PANWAR
LIMIT : 825000.00 LIABILITY : 695557.00

----------------------------------------------------------------------
15 (Ref No : 2-22-9064) /CKR(29384) dt.23/04/2009
SIGNATURE ON AOD IS NOT TALLYING WITH SIGNATURE ON MAIN
DOCUMENT.
signature of coborrower differs in AOD dt 5/9/08.
----------------------------------------------------------------------
A/C NO : 0167619002109 ZEENAT ALI
LIMIT : 700000.00 LIABILITY : 273288.00
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : 0167619002179 DHARAMVEER SINGH
LIMIT : 350000.00 LIABILITY : 337300.00
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619002183 VIJAY KUMAR HINGAD POOJA HINGAD
LIMIT : 630000.00 LIABILITY : 410351.00

----------------------------------------------------------------------
Further scrutiny report from advocate not available.

EMT not properly put through.
EMT DATED 31/1/06 - SCHEDULE A AND B CONTAINS ONLY
PARTICULARS OF AGREEMENT. ALL DOCUMENTS PARTICULARS NOT
FILLED UP.
----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619002187 PUSHPA NAIR
LIMIT : 500000.00 LIABILITY : 508925.00

----------------------------------------------------------------------
AOD not made available.
AOD FROM COBORROWER NOT MADE AVAILABLE.

----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619002300 KISHORE KUMAR UTAWANI
LIMIT : 500000.00 LIABILITY : 346656.00

----------------------------------------------------------------------
LED incomplete.
LEDTD AND SHCEDULE A AND B NOT SIGNED ON BEHALF OF SELF AND
ON BEHALF OF PA.
----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619002313 GHANSHYAM DEVNANI S/O PAHLAJ RAI DEVNANI
LIMIT : 625000.00 LIABILITY : 627951.00

----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : 0167619002336 SYED ROSHAN HUSSAIN
LIMIT : 750000.00 LIABILITY : 759820.00
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619002344 ATMA RAM PARWANI
LIMIT : 1000000.00 LIABILITY : 482797.00

----------------------------------------------------------------------
Miscellaneous
COMPLETION CERTIFICATE FROM ARCHITECT NOT OBTAINED.
----------------------------------------------------------------------
A/C NO : 0167619002348 ANIL KUMAR JAIN
LIMIT : 700000.00 LIABILITY : 638558.00
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619002367 RAJENDRA KUMAR JOSHI
LIMIT : 520000.00 LIABILITY : 468829.00

----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619002420 BABU SINGH S/O ROOP SINGH JI
LIMIT : 500000.00 LIABILITY : 497148.00

----------------------------------------------------------------------
EMT PAPERS NOT MADE AVAILABLE.
----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619002432 ASHOK RAHUL
LIMIT : 400000.00 LIABILITY : 404475.00
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619002439 S K GOYAL (ADVOCATE) S/O J N GOYAL
LIMIT : 530000.00 LIABILITY : 395174.00

----------------------------------------------------------------------
16 (Ref No : 2-22-9102) /CKR(29384) dt.23/04/2009
EMT NOT PUTTHROUGH TILL DATE.
PROPERTY ALLOTED BY UIT. TITLE DEEDS AND EMT NOT PUT EVEN
AFTER LAPSE OF 25 MONTHS.

----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619002476 RAMA MATHUR W/O OM PRAKASH MATHUR
LIMIT : 435000.00 LIABILITY : 449691.00

----------------------------------------------------------------------

Miscellaneous
GUARANTEE COVERING LETTER NOT MADE AVAILABLE.
17 (Ref No : 2-22-9002) /CKR(29384) dt.23/04/2009

Miscellaneous
PERMISSION FROM RHB FOR PURCHASE AND MORTGAGE NOT OBTAINED.

SUPPLIMENTAL LSR NOT OBTAINED.
SUPLIMENTARY LSR OF SALE DEED NOT OBTAINED.

----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619002490 DR RAMESHWAR TANWAR S/O LATE SRI REWADIA
LIMIT : 700000.00 LIABILITY : 616669.00

----------------------------------------------------------------------

Miscellaneous
ARCHITECT CERTIFICATES PLOT NO IS MENTIONED AS 14 INSTEAD OF
12.

----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619002510 MUKESH KOTAI
LIMIT : 500000.00 LIABILITY : 489908.00

----------------------------------------------------------------------

----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619002522 GHANSHYAM DAS LALWANI - MONA LALWANI
LIMIT : 850000.00 LIABILITY : 834249.00

----------------------------------------------------------------------

----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619002523 MAHESH PANDLA
LIMIT : 950000.00 LIABILITY : 940309.00

----------------------------------------------------------------------
RO Review letter not available.

----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619002532 DR KAPIL PANDLA
LIMIT : 400000.00 LIABILITY : 396245.00

----------------------------------------------------------------------

Miscellaneous
GUARANTEE COVERING LETTER NOT MADE AVAILABLE.
----------------------------------------------------------------------
A/C NO : 0167619002571 RANJEET SINGH CHOUDHRY
LIMIT : 1000000.00 LIABILITY : 937043.00
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619002575 SUBE SINGH CHAUDHRY
LIMIT : 1000000.00 LIABILITY : 934886.00

----------------------------------------------------------------------
18 (Ref No : 2-22-846) /CKR(29384) dt.23/04/2009

Under insurance observed. Condonation from higher authorities
to be obtained.

FURTHER EC NOT OBTAINED.

LIABILITY UNDER EMT DATED 7/1/03 CLEARED ON 15/12/07.
FURTHER EMT PUT THROUGH INSTEAD OF FRESH EMT.

Miscellaneous
IN SANCTION SMT RASHMI CHOWDHRI IS COBORROWER WHEREAS BRANCH
HAS OBTAINED PERSONAL GUARANTEE.

----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619002586 ASHISH JAIN S/O GULAB CHAND JAIN
LIMIT : 650000.00 LIABILITY : 595280.00

----------------------------------------------------------------------

----------------------------------------------------------------------
A/C NO : 0167619002617 MADHU JAYASWAL
LIMIT : 500000.00 LIABILITY : 495035.00
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619002623 JAGDEESH CHAND BHATI
LIMIT : 742000.00 LIABILITY : 743008.00

----------------------------------------------------------------------

FURTHER EC NOT OBTAINED.

LIABILITY UNDER ORIGINAL EMT DATED 14/8/03 CLEARED ON
24/2/08. BRANCH HAS PUT THROUGH FURTHER EMT INSTEAD OF FRESH
EMT.

INSURANCE POLICY NOT MADE AVAILABLE.
----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619002625 PARMESHWAR KACCHAWA
LIMIT : 350000.00 LIABILITY : 337375.00

----------------------------------------------------------------------
Loan papers incomplete/not filled up fully.
NF 981 PAGE 2 CLAUSE 5 COMMENCEMENT DATE NOT FILLED.
SCHEDULE OF PROPERTY FULL PARTICULARS NOT FURNISHED IN NF
981, NF 461.

Miscellaneous
LAST PAGE OF SALE DEED (MOTHER DEED) DATED 16/6/80 IS NOT
AVAILABLE. CERTIFIED COPY IS TAKED IN PLACE. LSR IS SILENT
ABOUNT THE SAME.
----------------------------------------------------------------------
A/C NO : 0167619002634 GOPAL SINGH AND SURAJ SINGH
LIMIT : 100000.00 LIABILITY : 68169.00
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619002646 SHAIKH SAIDUDDIN CHISTY
LIMIT : 840000.00 LIABILITY : 814935.00

----------------------------------------------------------------------
NF 981 PAGE 2 CLAUSE 5 COMMENCEMENT DATE NOT FILLEDUP.

Miscellaneous
LAST PAGE OF SALE DEED (MOTHER DEED) DATED 16/6/80 IS NOT
AVAILABLE AND CERTIFIED COPY IS TAKEN IN PLACE. LSR IS
SILENT ABOUT THE SAME.
----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619002648 MANJU JOSHI
LIMIT : 380000.00 LIABILITY : 378200.00

----------------------------------------------------------------------
INSURANCE POLICY NOT MADE AVAILABLE.
----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619002649 IMAM FATIMA NAQVI
LIMIT : 950000.00 LIABILITY : 957627.00

----------------------------------------------------------------------

----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619002650 SAJIDA CHISTY
LIMIT : 1000000.00 LIABILITY : 1018986.00

----------------------------------------------------------------------
Credit Review reports not sent to higher authorities wherever
required.

NF 981 PAGE 2 CLAUSE 5 - COMMENCEMENT DATE NOT FILLED.

Miscellaneous
DISBURSEMENT INSTRUCTIONS AND VERIFICATION NOT RECORDED
AGAINST THE BILLS SUBMITTED AND DISBURSEMENTS MADE.

Miscellaneous
REPAYMENT IRREGULAR. REPAYMENT HOLIDAY NOT MENTIONED. FINAL
DISBURSEMENT MADE. RECOVERY OF INTEREST/RESET EMI NOT DONE.


----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619002663 NARENDRA SINGH KACHAWA
LIMIT : 750000.00 LIABILITY : 760339.00

----------------------------------------------------------------------

Miscellaneous
ADDRESS OF THE PROPERTY WRONG IN INS POLICY.

MUTATION CERTIFICATE FAVOURING PRESENT OWNER OF EMT PROPERTY IS
NOT ON RECORD.

----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619002665 ASHA VERMA
LIMIT : 280000.00 LIABILITY : 218239.00

----------------------------------------------------------------------
Photo of borrower not obtained.

Miscellaneous
LOAN FOR REPAIRS. FURTHER DISBURSEMENT STOPED. UNDISBURSED
PORTION NOT CANCELLED. EMI NOT REFIXED.

NOT ON RECORD.
----------------------------------------------------------------------
A/C NO : 0167619002666 SANJAY KUMAR
LIMIT : 800000.00 LIABILITY : 818429.00
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619002668 MUKESH KUMAR KHINCHI
LIMIT : 395000.00 LIABILITY : 386391.00

----------------------------------------------------------------------
Miscellaneous
GUARANTEE COVERING LETTER NOT OBTAINED.
----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619002669 MANISH BHARGAVA
LIMIT : 336000.00 LIABILITY : 307143.00

----------------------------------------------------------------------

LED incomplete.
MAXIMUM LIMIT NOT FILLED.

NOT ON RECORD.
----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619002670 MOHD YASIN
LIMIT : 500000.00 LIABILITY : 495503.00

----------------------------------------------------------------------

NF 981 - SCHEDULE OF PROPERTY INCOMPLETE.

Miscellaneous
HOUSE PROPERTY IS MORE THAN 50 YEARS OLD AND EXPECTED AGE OF
BUILDING AND SUITABILITY FOR DWELLING NOT ASSESED BY VALUER.

NOT ON RECORD.

----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619002671 SODESH YADAV
LIMIT : 400000.00 LIABILITY : 398599.00

----------------------------------------------------------------------
NF 981 - SCHEDULE OF PROPERTY INCOMPLETE.


Miscellaneous
PLAN APPROVED IN THE NAME OF PREVIOUS OWNER OF THE PROPERTY
AFTER EXECTION OF SALE DEED.

Miscellaneous
COMPLETION CERTIFICATE NOT OBTAINED.

NOT ON RECORD.
----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619002672 ELISHA AUSTIN
LIMIT : 900000.00 LIABILITY : 895365.00

----------------------------------------------------------------------



NOT ON RECORD.

----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619002673 KAVITA BHARDWAJ
LIMIT : 875000.00 LIABILITY : 858721.00

----------------------------------------------------------------------


Miscellaneous
----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619002674 NEMICHAND TAK
LIMIT : 300000.00 LIABILITY : 193207.00

----------------------------------------------------------------------
Checklist for LSR not prepared.

PREVIOUS LIMIT CLOSED ON 15/12/08. BRANCH HAS OBTAINED
FURTHER EMT INSTEAD OF PUTTING THROUGH FRESH EMT.

Security Inspection Report from branch officials not available.
----------------------------------------------------------------------
A/C NO : HOUSING FI/0167619002675 JETHANAND S/OTOPANDAS
LIMIT : 500000.00 LIABILITY : 100093.00

----------------------------------------------------------------------
Credit Review reports not sent to higher authorities wherever
required.


Checklist for LSR not prepared.

PREVIOUS HL CLOSED ON 24/2/09. BRANCH HAS PUT THROUGH
FURTHER EMT INSTEAD OF FRESH EMT.

----------------------------------------------------------------------
A/C NO : HOUSING FI/NO ACCOUNT
----------------------------------------------------------------------
19 (Ref No : 2-22-2014) /CKR(29384) dt.23/04/2009
Insurance cover not obtained for collateral securities.
INSURANCE POLICY NOT MADE AVAILABLE IN THE FOLLOWING A/CS:
1757, 1804, 1808, 1828, 1856, 1978, 1991, 2010, 2045, 2046,
2078, 2127, 2134, 2179, 2336, 2344, 430, 1072, 1227, 1383,
1457.
20 (Ref No : 2-22-9001) /CKR(29384) dt.02/05/2009

Miscellaneous
Query : REPAYMENT IRREGULAR:
A/C NO : 0167619000431 JAGADISH SINGH SAHANI

LIMIT : 295000.00 LIABILITY : 287971.00
LOAN DT : 23/11/2000 AOD DATE : / / CLOSED
DT : / /
------------------------------------------------------------
-----
A/C NO : 0167619001457 MUNNA LAL BHATI
LIMIT : 200000.00 LIABILITY : 127977.00
DT : / /
------------------------------------------------------------
-----
A/C NO : HOUSING FI/0167619001757 KAMAL WADHWANI
LIMIT : 600000.00 LIABILITY : 543366.00
DT : / /
------------------------------------------------------------
-----
A/C NO : 0167619002179 DHARAMVEER SINGH
LIMIT : 350000.00 LIABILITY : 337300.00
DT : / /
------------------------------------------------------------
-----
A/C NO : 0167619002187 PUSHPA NAIR
LIMIT : 500000.00 LIABILITY : 508925.00
DT : / /
------------------------------------------------------------
-----
A/C NO : 0167619002336 SYED ROSHAN HUSSAIN
LIMIT : 750000.00 LIABILITY : 759820.00
DT : / /
------------------------------------------------------------
-----
A/C NO : 0167619002476 RAMA MATHUR W/O OM PRAKASH
MATHUR
LIMIT : 435000.00 LIABILITY : 449691.00
DT : / /
------------------------------------------------------------
-----
A/C NO : 0167619002575 SUBE SINGH CHAUDHRY
LIMIT : 1000000.00 LIABILITY : 934886.00
DT : / /
------------------------------------------------------------
-----
A/C NO : 0167619002650 SAJIDA CHISTY
LIMIT : 1000000.00 LIABILITY : 1018986.00
DT : / /
------------------------------------------------------------
-----
A/C NO : 0167619002663 NARENDRA SINGH KACHAWA
LIMIT : 750000.00 LIABILITY : 760339.00
DT : / /
------------------------------------------------------------
-----
A/C NO : 0167619002670 MOHD YASIN
LIMIT : 500000.00 LIABILITY : 495503.00
DT : / /
------------------------------------------------------------
-----
A/C NO : 0167619002672 ELISHA AUSTIN
LIMIT : 900000.00 LIABILITY : 895365.00
DT : / /
------------------------------------------------------------
-----

REPAYMENT PERIOD DIFFERS IN THE SYSTEM. BRANCH TO SET RIGHT THE
REPAYMENT PERIOD AS PER DOCUMENTS/GUIDELINES.
ACCOUNT NO./MONTHS AS PER SCHEDULE/ MONTHS AS PER SYSTEM:
431/180/225
1605/180/260
1626/120/140
1648/180/231
1663/180/235
1835/144/302
1991/120/243
2010/300/310
2045/144/197
2078/96/101
2127/120/156
2129/120/157
2132/120/145
2134/120/155
2179/180/247
2348/240/676
2406/240/283
2420/240/440
2623/120/137
2625/180/218
2626/180/186
2646/180/206
2648/180/184
2649/240/254
2650/180/214
2663/180/185
2671/180/208.
----------------------------------------------------------------------
HEAD : ADVANCES GENERAL - HOME IMPROVEMENT LOAN
----------------------------------------------------------------------
A/C NO : HOME IMPRO/0167618002335 DEEPENDRA SHARMA - SUMAN SHARMA
LIMIT : 75000.00 LIABILITY : 46350.00

----------------------------------------------------------------------
Loan papers completed 30 months.

LED incomplete.
SCHEDULE A AND B NOT MADE AVAILABLE.
----------------------------------------------------------------------
A/C NO : HOME IMPRO/0167618002387 GUNMALA JAIN
LIMIT : 200000.00 LIABILITY : 130683.00

----------------------------------------------------------------------
LED incomplete.
----------------------------------------------------------------------
A/C NO : HOME IMPRO/0167618002422 GHANSHYAM DEVNANI S/O PAHLAJ RAI DEVNANI
LIMIT : 100000.00 LIABILITY : 82370.00

----------------------------------------------------------------------
LED incomplete.
----------------------------------------------------------------------
A/C NO : HOME IMPRO/0167618002561 GHANSHYAM DAS LALWANI - MONA LALWANI
LIMIT : 150000.00 LIABILITY : 123238.00

----------------------------------------------------------------------
End use not ensured.

NF373 & RECIPT NOT OBTAINED.
----------------------------------------------------------------------
A/C NO : HOME IMPRO/0167618002592 BABU SINGH S/O ROOP SINGH JI
LIMIT : 75000.00 LIABILITY : 62837.00

----------------------------------------------------------------------
End use not ensured.

Miscellaneous
SCORING SHEET NOT PREPARED.

NF373 & RECIPT NOT OBTAINED.
----------------------------------------------------------------------
A/C NO : HOME IMPRO/0167618002627 NEELAM W/O LEKHRAJ HARDANI
LIMIT : 200000.00 LIABILITY : 170364.00

----------------------------------------------------------------------
Post sanction inspections not recorded.

Stamped receipts/invoices not obtained.
21 (Ref No : 2-23-9001) /CKR(29384) dt.24/04/2009

Miscellaneous
LOAN GRANTED FOR REPLACEMENT OF REPLASTERING, REFLOORING
WHICH SHOULD BE COVERED UNDER HOUSE REPAIRS. BRANCH HAS
OBTAINED NF 855 AND MENTIONED SCHEDULE OF ASSETS AS
FURNITURE AND FIXTURES. NF 373 NOT OBTAINED.
----------------------------------------------------------------------
A/C NO : 0167618002628 MOHD YASIN
LIMIT : 200000.00 LIABILITY : 196383.00
----------------------------------------------------------------------
Post sanction inspections not recorded.

Stamped receipts/invoices not obtained.
22 (Ref No : 2-23-9001) /CKR(29384) dt.24/04/2009

Miscellaneous
LOAN GRANTED FOR REPLACEMENT OF REPLACEMENT AND PAINTING OF
DOORS, WINDOWS, COLOUR WASH WHICH SHOULD BE COVERED UNDER
HOUSE REPAIRS. BRANCH HAS OBTAINED NF 855 AND MENTIONED
SCHEDULE OF ASSETS AS FURNITURE AND FIXTURES. NF 373 NOT
OBTAINED.
----------------------------------------------------------------------
HEAD : ADVANCES GENERAL - HOUSING LOAN TO EMPLOYEES
----------------------------------------------------------------------
A/C NO : HOUSING LO/0167666001553 ASHOK BHARGAVA
LIMIT : 450000.00 LIABILITY : 481171.00

----------------------------------------------------------------------
Loan papers completed 30 months.
AOD FROM LEGAL HEIRS COMPLETED 31 MONTHS.

23 (Ref No : 2-24-9001) /CKR(29384) dt.24/04/2009

Miscellaneous
1. EMPLOYEE EXPIRED ON 30/08/2006
2. ACCOUNT CONTINUES TO BE IN STAFF HL.
3. LAND RECORDS CONTINUE TO BE IN THE NAME OF DECEASED
EMPLOYEE.
4. ROI NOT CHANGED.
5. CORRESPONDANCE/ RECORDS AFTER THE DEATH OF EMPLOYEE NOT
MADE AVAILABLE.
----------------------------------------------------------------------
A/C NO : HOUSING LO/0167666001709 JETHANAND
LIMIT : 250000.00 LIABILITY : 149661.00

----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : HOUSING LO/0167666002081 HEMANT KUMAR
LIMIT : 450000.00 LIABILITY : 493133.00

----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : HOUSING LO/0167666002106 HEMANT KUMAR
LIMIT : 50000.00 LIABILITY : 44256.00

----------------------------------------------------------------------
Correct ROI not stipulated.
SANCTION STIPULATE MLY COUMPONDED ROI AS APPLICABLE TO
CUSTOMERS. BRANCH IS CHARGING 8.4% SIMPLE.
----------------------------------------------------------------------
A/C NO : HOUSING LO/NO ACCOUNT
----------------------------------------------------------------------
Correct ROI not stipulated.
A/C 167.668.1 -COMPOUNDED INTEREST CHARGED FROM 1/8/08.
A/C 167.666.2107 -LIABILITY IS ONLY INTEREST PORTION ON
WHICH INTEREST IC COOLECTED.
A/C 167.666.1260 - ACCRUED INTEREST RS. 49538/- IS ADDED TO
PRINCIPLE WHILE CONVERTION.
----------------------------------------------------------------------
HEAD : ADVANCES GENERAL - L H V
----------------------------------------------------------------------
A/C NO : LHV SRTO/001507 KISHAN R. BACHHANI
LIMIT : 390000.00 LIABILITY : 313739.00

----------------------------------------------------------------------
24 (Ref No : 2-26-2015) /SKR(70440) dt.22/04/2009

Miscellaneous
BRANCH TO TAKE IMMEDIATE STEPS TO DISPOSE OFF THE SECOND
VEHICLE.
Miscellaneous
RC COPY IS NOT ON RECORD.
----------------------------------------------------------------------
A/C NO : LHV(W)/001810 V.K.JAIN
LIMIT : 24000.00 LIABILITY : 7910.00

----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : LHV(W)/002512 GOPAL CHAND VERMA
LIMIT : 36000.00 LIABILITY : 9585.00

----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : LHV(W)/002644 R C GARG
LIMIT : 51000.00 LIABILITY : 50765.00

----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : LHV(W)/2134.697.1888 ANITA CAPOOR
LIMIT : 60000.00 LIABILITY : 52372.00

----------------------------------------------------------------------
RC Copy not obtained.
----------------------------------------------------------------------
HEAD : ADVANCES GENERAL - OVERDRAFTS
----------------------------------------------------------------------
A/C NO : OVERDRAFT/000413 RAJESH CLOTH STORE
LIMIT : 200000.00 LIABILITY : 251.00

----------------------------------------------------------------------
PROJECTED BALANCE SHEET & UPTODATE SALES FIGURE NOT OBTAINED AT
THE TIME OF RENEWAL OF LIMIT.
----------------------------------------------------------------------
A/C NO : OVERDRAFT/000547 PIONEER SALES CORP
LIMIT : 500000.00 LIABILITY : 453229.32

----------------------------------------------------------------------
Miscellaneous
ACCOUNT IS OVERDRAWN TO THE TUNE OF Rs.52600/-. BRANCH TO
FOLLOWUP WITH THE PARTY FOR RECOVERY OF OVERDUE AMOUNT.

Miscellaneous
SALES & PROFIT LEVEL OF FIRM IS DECLINING CONTINUOUSLY.
BRANCH TO MONITOR THE ACCOUNT CLOSELY.

Miscellaneous
CO REVIEW LETTER DTD-18/3/09 IS NOT REPLIED BY BRANCH.

FREQUENT OVERDRAWING OBSERVED IN THE ACCOUNT. BRANCH TO ADVICE
THE PARTY TO OPERATE THE ACCOUNT WITH IN THE SANCTIONED LIMIT.
----------------------------------------------------------------------
A/C NO : OVERDRAFT/000604 SHYAM AGENCIES
LIMIT : 1000000.00 LIABILITY : 423795.65

----------------------------------------------------------------------
Miscellaneous
LICENSE FROM APPROPRIATE AUTHORITY FOR DEALING IN DRUGS &
MEDICINE IS NOT ON RECORD.
----------------------------------------------------------------------
A/C NO : OVERDRAFT/000765 HARISH CHANDRA MEDICAL STORES
LIMIT : 50000.00 LIABILITY : 14344.39

----------------------------------------------------------------------
Miscellaneous
AOD IS NOT OBTAINED IN APPROPRIATE FORMAT.
----------------------------------------------------------------------
A/C NO : OVERDRAFT/000791 N.K.MATCHING CHUNNI CENTRE
LIMIT : 100000.00 LIABILITY : 91506.18

----------------------------------------------------------------------
to be obtained.

----------------------------------------------------------------------
A/C NO : OVERDRAFT/000853 SHYAM CEMENT & STONE WORKS
LIMIT : 125000.00 LIABILITY : 111547.15

----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : OVERDRAFT/000924 PRAKASH ENTERPRISES
LIMIT : 300000.00 LIABILITY : 298801.48

----------------------------------------------------------------------
Miscellaneous
PAGE-2 OF GUARANTEE AGREEMENT DTD-28/12/07 IS NOT FILLED UP
COMPLETELY.


OPL IS NOT ON RECORD.
ICICI BANK.
----------------------------------------------------------------------
A/C NO : OVERDRAFT/000976 HINDU DAILY
LIMIT : 200000.00 LIABILITY : 181033.24

----------------------------------------------------------------------
to be obtained.

HO CIR 308/05

STANDARD FIRE POLICY


PARTY IS NOT ROUTING ENTIRE BUSINESS TRANSACTION THROUGH THE
ACCOUNT. BRANCH TO ADVICE THE PARTY TO ROUTE THE ENTIRE
BUSINESS TRANSACTION THROUGH THE ACCOUNT ONLY.
----------------------------------------------------------------------
A/C NO : OVERDRAFT/000999 NULITE COLOR LAB
LIMIT : 196000.00 LIABILITY : 203362.77

----------------------------------------------------------------------
Miscellaneous
ROI TO BE MODIFIED TO 10.75% FROM 5.75%.

OVERDRAWING PERMITTED BEYOND BRANCH POWER. CO RATIFICATION IS
NOT ON RECORD.

----------------------------------------------------------------------
A/C NO : OVERDRAFT/001209 VIPUL PHARMA

----------------------------------------------------------------------
Miscellaneous
ACCOUNT TO BE CLOSED.
----------------------------------------------------------------------
A/C NO : OVERDRAFT/010055 BLAZE FASHIONS
LIMIT : 1500000.00 LIABILITY : 1418007.30

----------------------------------------------------------------------
Latest Tax paid receipt not obtained.
EMT PROPERTY.

HO CIR 308/05

Miscellaneous
ACCOUNT IS OVERDRAWN TO THE TUNE OF Rs.1.62 LAKH. BRANCH TO
FOLLOWUP WITH THE PARTY FOR REGULARISATION OF ACCOUNT.

Miscellaneous
AS PER MAR'08 PROVISIONAL BALANCE SHEET, PARTY HAS AVAILED A
BUSINESS LOAN AND SHOP LOAN FROM ICICI BANK. BRANCH TO GET
CONFIRMATION ICICI BANK THAT THERE IS NO LIEN OVER STOCK
HYPOTHECATED TO US & SHOP NO- 9 & 10 MORTGAGED TO US.

Miscellaneous
PARTY IS AVAILAING Rs.15 LAKH OD LIMIT WEF 21/8/06 BUT THE
ACTUAL SALES OF MAR'07 & MAR'08 IS Rs.60 LAKH & Rs.67 LAKH
RESPECTIVELY WHICH IS BELOW THE PROJECTED LEVEL OF Rs.75
LAKH. BRANCH HAS AGAIN RENEWED A LIMIT OF Rs.15 LAKH AGAINST
THE PROJECTION OF Rs.75 LAKH. BRANCH TO CLOSELY MONITOR THE
MONTHLY SALES FIGURE OF THE FIRM.

IN CASE OF CANARA TRADE ACCOUNTS, QMF NOT SUBMITTED TO CO AS
PER HO CIR 273/06.

MAR'08 BALANCE SHEET IS NOT ON RECORD.
AUDITED.

NOT ON RECORD.
DATE OF OVERDRAWING AMOUNT
25/8/08 169205

ICICI BANK.
----------------------------------------------------------------------
A/C NO : OVERDRAFT/010067 VINOD KUMAR GOPAL DAS
LIMIT : 75000.00 LIABILITY : 69376.00

----------------------------------------------------------------------

HDFC AUTO LOAN.
----------------------------------------------------------------------
A/C NO : OVERDRAFT/010087 INSTRUMENT MFG.CO.
LIMIT : 200000.00 LIABILITY : 243541.31

----------------------------------------------------------------------

EMT PROPERTY.

HO CIR 308/05

Miscellaneous
AS PER BANK RECORD, FIRMS PROPRIETER NAME IS SMT SHANTI DEVI
SHARMA BUT AS PER INSURANCE POLICY, PROPRIETER NAME IS SRI J
P SHARMA, HUSBAND OF SMT SHANTI DEVI SHARMA.

Miscellaneous
AOD IS NOT OBTAINED IN CORRECT FORMAT ON 28/2/09 & 20/2/08
AND IS LEFT BLANK.
----------------------------------------------------------------------
A/C NO : OVERDRAFT/010089 SIND FURNITURE HOUSE
LIMIT : 800000.00 LIABILITY : 432305.51

----------------------------------------------------------------------
EMT PROPERTY

to be obtained.

EMT PROPERTY

Miscellaneous
AOD DTD-12/2/09 IS WITNESSED BY ONLY ONE PERSON.

PER HO CIR 273/06.
----------------------------------------------------------------------
A/C NO : OVERDRAFT/010090 KHANDELWAL TRADERS
LIMIT : 100000.00 LIABILITY : 2592.00

----------------------------------------------------------------------
to be obtained.
----------------------------------------------------------------------
A/C NO : OVERDRAFT/010092 JAIN GARMENTS
LIMIT : 3000000.00 LIABILITY : 2561627.18

----------------------------------------------------------------------
Guarantee agreement (NF 370) not signed on behalf of bank.
GUARANTEE AGREEMENT DTD-31/5/08

EMT PROPERTY MORE THAN 300 YARD.

Miscellaneous
AS PER MAR'07 BALANCE SHEET UNSECURED LOAN IS TO THE TUNE OF
Rs.172.77 LAKH. BRANCH TO OBTAIN UNDERTAKING LETTER FROM THE
PARTY TO THE EFFECT THAT UNSECURED LOAN WILL BE MAINTAINED
IN THE SYSTEM ON LONG TERM BASIS.

Miscellaneous
EMT PROPERTY IS IN THE NAME OF SMT PUSHPA KHEVSERA BUT LSR
HAS BEEN ISSUED IN THE JOINT NAME OF SMT PUSHPA KHEVSERA &
SRI SURESH KHEVSERA AND EMT HAS BEEN JOINTLY EXECUTED BY SMT
PUSHPA & SRI SURESH. BRANCH TO REFER THE MATTER TO LEGAL
SECTION & SEEK THEIR CLARIFICATION IN THIS REGARD.

Miscellaneous
ACCOUNT IS OVERDRAWN. BRANCH TO FOLLOWUP WITH THE PARTY FOR
REGULARISATION OF ACCOUNT.

Miscellaneous
CO PERMISSION IS NOT ON RECORD FOR SANTIONING THE LOAN AS
THE PROPRIETER IS CLOSE RELATIVE OF PROPRIETER OF M/S MAYUR
PUSTAK BHANDAR

MANUAL MODEL

PER HO CIR 273/06.


NOT ON RECORD.
13/6/07 392267
15/11/07 331738
8/12/08 365166
14/1/08 464468
4/11/08 339960

CITI BANK & HDFC BANK.

DOCUMENTATION CHARGES TO BE RECOVERED.
Rs.3000/-
----------------------------------------------------------------------
A/C NO : OVERDRAFT/010094 VASUJA WOOD WORKS
LIMIT : 500000.00 LIABILITY : 516643.16

----------------------------------------------------------------------
EMT PROPERTY.

HO CIR 308/05

STOCK & EMT PROPERTY
BREAK IN INSURANCE.

Miscellaneous
AS PER MAR'08 BALANCE SHEET, THERE IS UNSECURE LOAN TO THE
TUNE OF Rs.10.44 LAKH. BRANCH TO OBTAIN UNDERTAKING LETTER
FROM THE PARTY TO THE EFFECT THAT UNSECURED LOAN WILL BE
MAINTAINED IN THE SYSTEM ON LONG TERM BASIS.

Miscellaneous
LIABILITY ON AOD DTD-24/2/09 IS NOT TALLYING WITH LEDGER
BALANCE AS ON DATE.

PER HO CIR 273/06.
----------------------------------------------------------------------
A/C NO : OVERDRAFT/010102 GUPTA BROTHERS
LIMIT : 1000000.00 LIABILITY : 25749.49

----------------------------------------------------------------------
EMT PROPERTY.

EMT - Xerox copy of documents not attested by Advocate.

HO CIR 308/05


PER HO CIR 273/06.
----------------------------------------------------------------------
A/C NO : OVERDRAFT/010116 RAM KISHORE SHARMA
LIMIT : 96000.00 LIABILITY : 111161.00

----------------------------------------------------------------------
Miscellaneous
ACCOUNT IS OVERDRAWN. BRANCH TO ADVICE THE PARTY TO
REGULARISE THE ACCOUNT.
----------------------------------------------------------------------
A/C NO : OVERDRAFT/010126 KAMAL PROVISION STORE
LIMIT : 300000.00 LIABILITY : 278306.47

----------------------------------------------------------------------
Miscellaneous
Rs.3 LAKH LIMIT HAS BEEN SANCTIONED AGAINST THE EMT PROPERTY
BUT LEDTD IS AVAILABLE FOR Rs.2 LAKH ONLY.


----------------------------------------------------------------------
A/C NO : OVERDRAFT/010135 SHREE MAHALAXMI BUILDERS
LIMIT : 85000.00 LIABILITY : 216949.16

----------------------------------------------------------------------
Pronote not witnessed by two persons.
----------------------------------------------------------------------
A/C NO : OVERDRAFT/010155 VIMAL TRADERS
LIMIT : 500000.00 LIABILITY : 153568.09

----------------------------------------------------------------------
EMT PROPERTY.

11/6/03 TO 30/10/07


HO CIR 308/05.

BASED ON MAR'08 BALANCE SHEET.

PER HO CIR 273/06.


5/08 & 6/08 INTEREST NOT DEBITED.
----------------------------------------------------------------------
A/C NO : OVERDRAFT/010159 INDIA BOOK DEPOT
LIMIT : 400000.00 LIABILITY : 402391.00

----------------------------------------------------------------------

Processing charges not collected.
Rs.400/- FOR SECOND YEAR CANTRADE.

EMT PROPERTY.

HO CIR 308/05

Miscellaneous
ALTERATION DONE IN THE DATE OF RENEWAL PAPER IS NOT
AUTHENTICATED BY BORROWER AND/OR GUARANTOR. DATE OF EARLIER
LOAN PAPER WITH DATE IS NOT FURNISHED IN NF493.



PER HO CIR 273/06.


NOT ON RECORD.
DATE OF OVERDRAWING AMOUNT(Rs)
30/6/08 96413
----------------------------------------------------------------------
A/C NO : OVERDRAFT/010164 MOHIT PAPERS
LIMIT : 500000.00 LIABILITY : 509050.00
----------------------------------------------------------------------
Miscellaneous
LIMIT EXPIRED ON 9/1/09 BUT EXTENSION PERMISSION IS NOT ON
RECORD.



----------------------------------------------------------------------
A/C NO : OVERDRAFT/010171 MAYUR SALES AGENCIES
LIMIT : 300000.00 LIABILITY : 206722.45

----------------------------------------------------------------------

PER HO CIR 273/06.

----------------------------------------------------------------------
A/C NO : OVERDRAFT/010180 SHREE JI METAL INDUSTRIES
LIMIT : 75000.00 LIABILITY : 63224.00

----------------------------------------------------------------------
to be obtained.

Miscellaneous
ALTERATION IN DATE OF AOD DTD-16/6/07 IS NOT AUTHENTICATED
BY BORROWER.

----------------------------------------------------------------------
A/C NO : OVERDRAFT/010182 JAI BHARAT STORE
LIMIT : 1600000.00 LIABILITY : 1355967.54

----------------------------------------------------------------------
LIC premium paid receipt not obtained.

7/1/04 TO 18/8/07

Miscellaneous
AS PER MAR'08 BALANCE SHEET, THERE IS UNSECURED LOAN TO THE
FROM THE PARTY TO THE EFFECT THAT UNSECURED LOAN WILL BE

Miscellaneous
THERE IS SHARP DECLINE IN SALES & PROFIT OF THE FIRM. BRANCH
TO MONITOR THE ACCOUNT CLOSELY.

----------------------------------------------------------------------
A/C NO : OVERDRAFT/010183 ASHISH AGENCIES
LIMIT : 1287000.00 LIABILITY : 898177.56

----------------------------------------------------------------------
Miscellaneous
ROI OF LIMIT 1 TO 5 TO BE MODIFIED TO 10.25% FROM 9.5%.
----------------------------------------------------------------------
A/C NO : OVERDRAFT/010197 MULTI SOFTWARES & DEVELOPMENTS
LIMIT : 600000.00 LIABILITY : 617632.34

----------------------------------------------------------------------
EMT PROPERTY


Miscellaneous
LIST OF LEGAL HEIRS OF INTENDING MORTGAGER NOT OBTAINED.



PER HO CIR 273/06.

NOT ON RECORD.
2/12/08 62822

NOT ON RECORD.
----------------------------------------------------------------------
A/C NO : OVERDRAFT/010199 SIMRAN TEXTILES
LIMIT : 45000.00 LIABILITY : 8585.00

----------------------------------------------------------------------
Miscellaneous
AOD NOT OBTAINED IN APPROPRIATE FORMAT.
----------------------------------------------------------------------
A/C NO : OVERDRAFT/010209 DANI MEDICAL STORE
LIMIT : 200000.00 LIABILITY : 206306.00

----------------------------------------------------------------------

to be obtained.

Miscellaneous
ACCOUNT IS OVERDRAWN SINCE 20/6/08 & AS PER PRUDENTIAL NORM
ACCOUNT SHOULD BE CLASSIFIED AS NPA BUT ASSET CLASSIFICATION
HAS BEEN KEPT AS STANDARD. BRANCH TO MODIFY THE SAME.



----------------------------------------------------------------------
A/C NO : OVERDRAFT/010215 P.VIJAYA KUMAR & SONS
LIMIT : 1000000.00 LIABILITY : 10014.00

----------------------------------------------------------------------
EMT PROPERTY.

29/5/05 TO 29/8/07
25 (Ref No : 2-33-2015) /SKR(70440) dt.06/04/2009

CIRCLE PERMISSION IS NOT ON RECORD FOR STOCK INSURANCE
WAIVER.

Miscellaneous
EMT PROPERTY IS IN THE NAME OF MOTHER-IN-LAW, WHICH DOESN'T
COMES UNDER THE DEFINITION OF CLOSE RELATIVE AND AS SUCH A/C
IS NOT ELIGIBLE FOR CANTRADE FACILITY. BRANCH TO CONVERT
UNDER SOD & CHARGE APPROPRIATE ROI. BRANCH TO SEEK
RATIFICATION FROM CO FOR OBTAINING 3RD PARTY PROPERTY AS
COLLATERAL SECURITY.



PER HO CIR 273/06.


JAIPUR ASHOK MARG BRANCH.

TO BE COLLECTED FROM 8/7/06 AS PERTY IS NOT ELIGIBLE FOR
CANTRADE FACILITY.
----------------------------------------------------------------------
A/C NO : OVERDRAFT/010217 MAYUR PUSTAK BHANDAR
LIMIT : 3000000.00 LIABILITY : 2779529.69

----------------------------------------------------------------------
EMT PROPERTY.

Miscellaneous
AS PER MAR'08 BALANCE SHEET THERE IS UNSECURED LOAN TO THE
FROM THE PARTY TO THE EFFECT THAT THE UNSECURED LOAN WILL BE

Miscellaneous
THERE IS SUBSTITUTION OF EMT PROPERTY ON 29/5/08 BUT CO
RATIFICATION IS NOT ON RECORD.


MANUAL MODEL

PER HO CIR 273/06.

NOT ON RECORD.
8/3/08 332921
4/10/08 313187
10/2/09 415732

Rs.3000/-
----------------------------------------------------------------------
A/C NO : OVERDRAFT/010234 AMBIKA PRINTERS
LIMIT : 100000.00 LIABILITY : 68095.25

----------------------------------------------------------------------
Miscellaneous
****EXCESS FINANCE OBSERVED****
AS PER MAR'07 BALANCE SHEET SALES OF THE FIRM IS Rs.2.37
LAKH & AS PER TURNOVER METHOD PARTY IS ELIGIBLE FOR A LOAN
LIMIT OF Rs.48000/-, BUT BRANCH HAS RENEWED A LIMIT OF Rs.1
LAKH.



PER HO CIR 273/06.
----------------------------------------------------------------------
A/C NO : OVERDRAFT/010240 JAGTAR CYCLE
LIMIT : 200000.00 LIABILITY : 154382.00

----------------------------------------------------------------------
EMT PROPERTY.


PER HO CIR 273/06.
----------------------------------------------------------------------
A/C NO : OVERDRAFT/010241 SHRUTI AGENCIES
LIMIT : 200000.00 LIABILITY : 197446.64

----------------------------------------------------------------------


PER HO CIR 273/06.

NOT ON RECORD.
DATE OVERDRAWING PERMITTED
21/8/08 30428
----------------------------------------------------------------------
A/C NO : OVERDRAFT/010242 BIJLANI DISRIBUTOR
LIMIT : 200000.00 LIABILITY : 113889.49

----------------------------------------------------------------------
to be obtained.

ICICI BANK & CITI FINANCIAL
----------------------------------------------------------------------
A/C NO : OVERDRAFT/010243 HIMGIRI ELECTRONICS
LIMIT : 800000.00 LIABILITY : 817487.00

----------------------------------------------------------------------

EMT PROPERTY.

Miscellaneous
ORIGINAL DOCUMENT NO 1 & 2 AS PER LSR IS NOT AVAILABLE WITH
THE EMT PAPER.

Miscellaneous

PER HO CIR 273/06.

NOT ON RECORD.
27/2/08 98675
5/9/08 88445
12/1/09 83206


HDFC & ICICI BANK.
----------------------------------------------------------------------
A/C NO : OVERDRAFT/010244 SIDDHI VINAYAK AGENCIES
LIMIT : 200000.00 LIABILITY : 199966.65

----------------------------------------------------------------------
to be obtained.


NOT ON RECORD.
30/11/07 Rs.58171
01/05/08 Rs.85178
----------------------------------------------------------------------
A/C NO : OVERDRAFT/010245 LAL SONS
LIMIT : 700000.00 LIABILITY : 671638.00

----------------------------------------------------------------------

7/11/06 TO 22/8/07


PER HO CIR 273/06.


GE COUNTRYWIDE
----------------------------------------------------------------------
A/C NO : OVERDRAFT/010248 AULIA SHOP
LIMIT : 400000.00 LIABILITY : 398896.00

----------------------------------------------------------------------
EMT PROPERTY.
26 (Ref No : 2-33-9001) /SKR(70440) dt.06/04/2009

Miscellaneous
FOLLOWUP WITH THE PARTY FOR REGULARISATION OF ACCOUNT.

PER HO CIR 273/06.

NOT ON RECORD.
26/3/08 45628
27/3/08 95620
----------------------------------------------------------------------
A/C NO : OVERDRAFT/010249 H.R. SONS
LIMIT : 200000.00 LIABILITY : 171437.84

----------------------------------------------------------------------
to be obtained.
----------------------------------------------------------------------
A/C NO : OVERDRAFT/010251 SHRINATH AGENCIES
LIMIT : 200000.00 LIABILITY : 218203.59

----------------------------------------------------------------------

to be obtained.

BREAK IN INSURANCE.


----------------------------------------------------------------------
A/C NO : OVERDRAFT/010260 RISHI BOOKS & STATIONARS
LIMIT : 100000.00 LIABILITY : 105917.50

----------------------------------------------------------------------

----------------------------------------------------------------------
A/C NO : OVERDRAFT/010264 VINAYAK AGENCIES
LIMIT : 200000.00 LIABILITY : 250069.33

----------------------------------------------------------------------

to be obtained.

----------------------------------------------------------------------
A/C NO : OVERDRAFT/010265 RANJEET SINGH CHOUDHRY
LIMIT : 3000000.00 LIABILITY : 4246442.00

----------------------------------------------------------------------
EMT PROPERTY.

22/10/07 TO 10/12/07

Miscellaneous
INSURANCE OF STOCK HAS BEEN WAIVED BUT CO RATIFICATION IS
NOT ON RECORD.

Miscellaneous
DOCUMENT NO-3 DTD- 3/11/04(NOC) AS PER LSR IS NOT DEPOSITED
WITH EMT PAPER.


MANUAL MODEL.

PER HO CIR 273/06.

AUDITED.

ALLHABAD BANK.

Rs.3000/-
----------------------------------------------------------------------
A/C NO : OVERDRAFT/010266 READERS PARADISE
LIMIT : 200000.00 LIABILITY : 239632.00

----------------------------------------------------------------------


Miscellaneous
LIMIT IS CONTINUOUSLY OVERDRAWN SINCE 7/1/09. BRANCH TO
FOLLOWUP WITH THE PARTY FOR REGULARISATION OF SAME.


NOT ON RECORD.
5/7/08 56643
16/9/08 51149

----------------------------------------------------------------------
A/C NO : OVERDRAFT/010269 VIVEK FANCY STORE
LIMIT : 200000.00 LIABILITY : 198981.00

----------------------------------------------------------------------

----------------------------------------------------------------------
A/C NO : OVERDRAFT/010270 BRAIN MAKER PUBLISHER
LIMIT : 500000.00 LIABILITY : 505306.00

----------------------------------------------------------------------
Credit investigation report not prepared.

EMT PROPERTY.
to be obtained.

24/12/07 TO 9/1/08

Miscellaneous
ADVICE THE PARTY TO REGULARISE THE ACCOUNT.




PER HO CIR 273/06.


NOT ON RECORD.
----------------------------------------------------------------------
A/C NO : OVERDRAFT/010272 ADARSH MEDICAL & GENERAL STORE
LIMIT : 300000.00 LIABILITY : 177415.99

----------------------------------------------------------------------
EMT PROPERTY

HO CIR 308/05

EMT PROPERTY

Miscellaneous
EMT LINK LETTER NOT OBTAINED TO LINK THE EXISTING MORTGAGE
TO FRESH LIMIT GRANTED ON 15/2/08.



PER HO CIR 273/06.

----------------------------------------------------------------------
A/C NO : OVERDRAFT/010276 DULHA COLLECTION
LIMIT : 500000.00 LIABILITY : 548802.00

----------------------------------------------------------------------
Credit investigation report not prepared.

NF 589 not certified by Manager.
GOPAL SINGH

EMT PROPERTY.

10/10/03 TO 6/3/08

HO CIR 308/05

Miscellaneous


PER HO CIR 273/06.


NOT ON RECORD.
16/10/08 53543
----------------------------------------------------------------------
A/C NO : OVERDRAFT/010278 HARIRAM KISHANCHAND
LIMIT : 2700000.00 LIABILITY : 214834.72

----------------------------------------------------------------------
EMT PROPERTY.

to be obtained.

MANUAL MODEL

PER HO CIR 273/06.


Rs.2700/-
----------------------------------------------------------------------
A/C NO : OVERDRAFT/167.285.1 PRATEEK ENTERPRISES
LIMIT : 3000000.00 LIABILITY : 2605626.07

----------------------------------------------------------------------
EMT PROPERTY.

8/12/06 TO 6/10/08


Miscellaneous
SECTOR CLASSIFICATION OF FIRM IS MARKED AS NON-PRIORITY IN
PLACE OF PRIORITY.

Miscellaneous
IN RESPECT OF SMT MADHU JOSHI PROPERTY, LSR STIPULATES FOR
DEPOSIT OF ORIGINAL DOCUMENTS BUT ALL ORIGINAL DOCUMENTS ARE
NOT AVAILABLE WITH EMT PAPERS.

Miscellaneous
IN RESPECT OF SRI ASHOK JOSHI PROPERTY, LSR STIPULATES FOR
DEPOSIT OF ORIGINAL DOCUMENTS BUT ALL THE ORIGINAL DOCUMENTS
ARE NOT AVAILABLE WITH EMT PAPERS. LOAN LETTER DTD-13/9/06,
ISSUED BY UBI, RAM GANJ,AJMER IS NOT ON RECORD.

MANUAL MODEL AS PER MAR'08 ABS.

PER HO CIR 273/06.

Rs.3000/-
----------------------------------------------------------------------
A/C NO : OVERDRAFT/167.285.2 ASHU SWEETS
LIMIT : 200000.00 LIABILITY : 139534.00

----------------------------------------------------------------------
EMT PROPERTY


HO CIR 308/05

EMT PROPERTY.

Miscellaneous
PARTY HAS EXECUTED ORIGINAL LEDTD ON 17/7/02 TO SECURE THE
ML LIMIT. ML LIMIT STANDS CLOSED IN TIME AND WITH THAT EMT
STANDS VACATED. NOW BRANCH HAS EXTENDED FRESH CANARA TRADE
LIMIT OF Rs.2 LAKH AGAINST THE SAME VACATED EMT WHICH IS NOT
CORRECT. BRANCH TO GET THE FRESH EMT EXECUTED FOR FRESH
LIMIT & ALSO GET RATIFICATION FROM CO FOR DELAY IN
EXECUCATION OF EMT.

Miscellaneous
AS PER SALE DEED (PAGE-5) STIPULATED PROPERTY IS RESIDENTIAL
IN NATURE BUT AS PER VALUATION REPORT, PROPERTY IS BEING
USED FOR COMMERCIAL PURPOSE. CONVRSION PERMISSION IS NOT ON
RECORD.

Miscellaneous
ORIGINAL REGISTERED SALE DEED DTD-23/5/78 FAVOURING VENDOR
SRI HARI SINGH IS NOT ON RECORD.



PER HO CIR 273/06.
----------------------------------------------------------------------
A/C NO : OVERDRAFT/NO ACCOUNT
----------------------------------------------------------------------
Miscellaneous
DP UPDATION IS NOT DONE IN THE SYSTEM ON PERIODICAL BASIS.
27 (Ref No : 2-33-9002) /SKR(70440) dt.06/04/2009

Miscellaneous
AS PER CH601 THERE ARE 48 ACCOUNTS WHERE STIPULATED PENAL
INTEREST IS NIL BRANCH TO MODIFY THE SAME.
28 (Ref No : 2-33-9006) /SKR(70440) dt.04/05/2009

Miscellaneous
1.OD/547 M/S PIONEER SALES CORPN
LIMIT RS.5.00 LAC LIAB RS.4.53 LAC
- Sales and Profit level of the firm is declining

continuously. Branch to
monitor the account closely.
2.OD 10055 M/S BLAZE FASHIONS

Party is availing Rs.15.00 lac OD limit w.e.f. 21/08/06 but

the actual sales of March,07 & March,08 is Rs.60.00 lac &
Rs.67.00n lac respectively which is below the projected
level of RS.75.00 lac. Branch has again renewed a limit of
Rs.15.00 lac against the projection of Rs.75.00 lac.
Branch to closely monitor the monthly sales figure of the
firm.
3.OD 10182 M/S JAI BHARAT STORE

There is sharp decline in Sales & Profit of the firm. Branch

to monitor the account closely.
29 (Ref No : 2-33-9052) /SKR(70440) dt.04/05/2009

Query : PARTY IS NOT ROUTING ENTIRE BUSINESS TRANSACTION
THROUGH THE
BUSINESS
TRANSACTION THROUGH THE ACCOUNT ONLY.
Qry Ref No : 2-33-9052 /SKR(70440) dt.30/03/2009
------------------------------------------------------------
-----
A/C NO : OVERDRAFT/000976 HINDU DAILY
LIMIT : 200000.00 LIABILITY : 181033.24
DT : / /
------------------------------------------------------------
-----
LIMIT : 1500000.00 LIABILITY : 1418007.30
DT : / /
------------------------------------------------------------
-----
A/C NO : OVERDRAFT/010126 KAMAL PROVISION STORE
LIMIT : 300000.00 LIABILITY : 278306.47
DT : / /
------------------------------------------------------------
-----
LIMIT : 500000.00 LIABILITY : 509050.00
DT : / /
------------------------------------------------------------
-----
A/C NO : OVERDRAFT/010234 AMBIKA PRINTERS
LIMIT : 100000.00 LIABILITY : 68095.25
DT : / /
------------------------------------------------------------
-----
LIMIT : 200000.00 LIABILITY : 197446.64
DT : / /
------------------------------------------------------------
-----
A/C NO : OVERDRAFT/010260 RISHI BOOKS &
STATIONARS
LIMIT : 100000.00 LIABILITY : 105917.50
DT : / /
------------------------------------------------------------
-----
A/C NO : OVERDRAFT/010269 VIVEK FANCY STORE
LIMIT : 200000.00 LIABILITY : 198981.00
DT : / /
------------------------------------------------------------
-----
A/C NO : OVERDRAFT/010270 BRAIN MAKER PUBLISHER
LIMIT : 500000.00 LIABILITY : 505306.00
DT : / /
------------------------------------------------------------
-----
A/C NO : OVERDRAFT/010272 ADARSH MEDICAL &
GENERAL STORE
LIMIT : 300000.00 LIABILITY : 177415.99
DT : / /
------------------------------------------------------------
-----
A/C NO : OVERDRAFT/167.285.2 ASHU SWEETS
LIMIT : 200000.00 LIABILITY : 139534.00
DT : / /
30 (Ref No : 2-33-9059) /SKR(70440) dt.04/05/2009

Query : FREQUENT OVERDRAWING OBSERVED IN THE ACCOUNT.
BRANCH TO
ADVICE THE PARTY TO OPERATE THE ACCOUNT WITH IN THE
SANCTIONED LIMIT.
Qry Ref No : 2-33-9059 /SKR(70440) dt.30/03/2009
------------------------------------------------------------
-----
A/C NO : OVERDRAFT/000547 PIONEER SALES CORP
LIMIT : 500000.00 LIABILITY : 453229.32
DT : / /
------------------------------------------------------------
-----
LIMIT : 800000.00 LIABILITY : 817487.00
DT : / /
------------------------------------------------------------
-----
A/C NO : OVERDRAFT/010260 RISHI BOOKS &
STATIONARS
LIMIT : 100000.00 LIABILITY : 105917.50
DT : / /
------------------------------------------------------------
-----
LIMIT : 200000.00 LIABILITY : 239632.00
DT : / /
------------------------------------------------------------
-----
31 (Ref No : 2-33-9068) /SKR(70440) dt.04/05/2009

NOTARISED AFFIDAVIT FOR FULFILLING THE ELIGIBILITY CONDITION IS
NOT ON RECORD.
------------------------------------------------------------
-----
HEAD : ADVANCES GENERAL - P M R Y
------------------------------------------------------------
-----
------------------------------------------------------------
-----
Query : NOTARISED AFFIDAVIT FOR FULFILLING THE
ELIGIBILITY CONDITION
IS NOT ON RECORD.
Qry Ref No : 2-35-9068 /SKR(70440) dt.15/04/2009
------------------------------------------------------------
-----
A/C NO : PMRY PSE/002499 KAMAL KISHORE BOHRA
S/O ROOP CHAND BOHRA
LIMIT : 63500.00 LIABILITY : 65429.00
DT : / /
------------------------------------------------------------
-----
A/C NO : PMRY PSE/002590 LALITA DEVI SAHU
LIMIT : 47500.00 LIABILITY : 46046.00
DT : / /
------------------------------------------------------------
-----
A/C NO : PMRY RT/002591 KARAN BANSAL
LIMIT : 100000.00 LIABILITY : 99962.00
DT : / /
------------------------------------------------------------
-----
A/C NO : PMRY RT/002621 BHARAT KUMAR
LIMIT : 50000.00 LIABILITY : 49636.00
DT : / /
------------------------------------------------------------
-----
A/C NO : PMRY RT/002632 MANOJ KUMAR
LIMIT : 50000.00 LIABILITY : 24321.00
DT : / /
------------------------------------------------------------
-----
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : PMRY PSE/001633 VISHAL VERMA
LIMIT : 40000.00 LIABILITY : 6730.00

----------------------------------------------------------------------
BREAK IN INSURANCE.

DOCUMENT.
AOD DTD-30/8/07
----------------------------------------------------------------------
A/C NO : PMRY SB/001762 LAXMAN LAL SAINI
LIMIT : 25000.00 LIABILITY : 19965.00

----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : PMRY SB/002006 NARESH TAURANI
LIMIT : 50000.00 LIABILITY : 25733.00

----------------------------------------------------------------------
BREAK
----------------------------------------------------------------------
A/C NO : PMRY RT/002025 YOGESH KUMAR
LIMIT : 50000.00 LIABILITY : 46004.00

----------------------------------------------------------------------
BREAK

----------------------------------------------------------------------
A/C NO : PMRY PSE/002167 MOBINA
LIMIT : 38000.00 LIABILITY : 24426.00
----------------------------------------------------------------------
BREAK

DOCUMENT.

----------------------------------------------------------------------
A/C NO : PMRY SB/002170 SAURABH CHHAJER
LIMIT : 80000.00 LIABILITY : 54097.00

----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : PMRY SB/002184 MUKESH KUMAR
LIMIT : 50000.00 LIABILITY : 52808.00

----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : PMRY RT/002201 MANOHAR GOPAL
LIMIT : 47500.00 LIABILITY : 30185.00

----------------------------------------------------------------------
BREAK IN INSURANCE.
----------------------------------------------------------------------
A/C NO : PMRY SB/002219 SARWAN KUMARS/O MAHADEV PRASAD
LIMIT : 47500.00 LIABILITY : 31442.00

----------------------------------------------------------------------
BREAK
----------------------------------------------------------------------
A/C NO : PMRY PSE/002221 RAKESH CHOUHAN
LIMIT : 47500.00 LIABILITY : 46004.00

----------------------------------------------------------------------
BREAK
----------------------------------------------------------------------
A/C NO : PMRY PSE/002222 PRAKASH CHAUHAN S/O JAGDISH SINGH CHAUHN
LIMIT : 47500.00 LIABILITY : 44831.00

----------------------------------------------------------------------
BREAK
----------------------------------------------------------------------
A/C NO : PMRY SB/002227 YOGENDRA AJMERA
LIMIT : 57000.00 LIABILITY : 61714.00

----------------------------------------------------------------------
BREAK

----------------------------------------------------------------------
A/C NO : PMRY RT/002437 SURESH SINGH S/O SH. RATAN SINGH NIRWAN
LIMIT : 40000.00 LIABILITY : 27224.00

----------------------------------------------------------------------
BREAK.
----------------------------------------------------------------------
A/C NO : PMRY PSE/002499 KAMAL KISHORE BOHRA S/O ROOP CHAND BOHRA
LIMIT : 63500.00 LIABILITY : 65429.00

----------------------------------------------------------------------
Miscellaneous
NF455 NOT SIGNED BY MANAGER (PAGE-10)


PROPOSAL DATE IS NOT FURNISHED OVER PAGE-2 OF NF455.

NOT ON RECORD.
LEASE AGREEMENT IRO SHOP IS NOT ON RECORD.
----------------------------------------------------------------------
A/C NO : PMRY PSE/002590 LALITA DEVI SAHU
LIMIT : 47500.00 LIABILITY : 46046.00

----------------------------------------------------------------------


NOT ON RECORD.

----------------------------------------------------------------------
LIMIT : 100000.00 LIABILITY : 99962.00

----------------------------------------------------------------------
Special adhesive stamps not cancelled and signed.

BREAK



NOT ON RECORD.


SUBSIDY AMOUNT IS NOT AVAILABLE WITH THE ACCOUNT.
----------------------------------------------------------------------
A/C NO : PMRY RT/002620 BHAGWAN DAS SHARMA
LIMIT : 100000.00 LIABILITY : 99544.00

----------------------------------------------------------------------
NOT FILLED UP



----------------------------------------------------------------------
LIMIT : 50000.00 LIABILITY : 49636.00

----------------------------------------------------------------------
Miscellaneous
BRANCH HAS OBTAINED 3RD PARTY GUARANTEE IN PMRY ACCOUNT
WHICH IS AGAINST THE NORM.



NOT ON RECORD.


----------------------------------------------------------------------
LIMIT : 50000.00 LIABILITY : 24321.00

----------------------------------------------------------------------


NOT ON RECORD.



----------------------------------------------------------------------
A/C NO : PMRY RT/002654 MANJU SHARMA
LIMIT : 47500.00 LIABILITY : 48038.00

----------------------------------------------------------------------
Miscellaneous
NF455 NOT SIGNED BY MANAGER




----------------------------------------------------------------------
A/C NO : PMRY RT/NO ACCOUNT
----------------------------------------------------------------------
Inspection charges not collected.
IN CASE OF ALL PMRY ACCOUNTS.

Miscellaneous
A/C NO OVERDUE AMOUNT
2437 2979
2059 1861
2654 2608
2170 22236
2167 7746
2590 3452
32 (Ref No : 2-35-9070) /SKR(70440) dt.04/05/2009

Query : SUBSIDY AMOUNT IS NOT AVAILABLE WITH THE
ACCOUNT.
Qry Ref No : 2-35-9070 /SKR(70440) dt.15/04/2009
------------------------------------------------------------
-----
LIMIT : 100000.00 LIABILITY : 99962.00
DT : / /
------------------------------------------------------------
-----
A/C NO : PMRY RT/002620 BHAGWAN DAS SHARMA
LIMIT : 100000.00 LIABILITY : 99544.00
DT : / /
------------------------------------------------------------
-----
LIMIT : 50000.00 LIABILITY : 49636.00
DT : / /
------------------------------------------------------------
-----
LIMIT : 50000.00 LIABILITY : 24321.00
DT : / /
------------------------------------------------------------
-----
A/C NO : PMRY RT/002654 MANJU SHARMA
LIMIT : 47500.00 LIABILITY : 48038.00
DT : / /
----------------------------------------------------------------------
HEAD : ADVANCES GENERAL - SJSRY
----------------------------------------------------------------------
A/C NO : SJSRY RT/002629 KISHANLAL S/O KHETARAM
LIMIT : 15000.00 LIABILITY : 15273.00

----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
Miscellaneous
IN THE POP, SGSY & SJSRY(GOVT SPONSORED SCHEME) INSURANCE
HAS BEEN WAIVED BY OBTAINING INSURANCE WAIVER LETTER BUT AS
PER OUR BANK GUIDELINES INSURANCE COVERAGE TO BE
COMPULSORILY OBTAINED IN RESPECT OF GOVT SPONSORED SCHEME.

Miscellaneous
ZERO % SLAB NOT FIXED IRO AVAILABLE SUBSIDY AMOUNT IN PMRY,
SGSY & SJSRY.

167.741.2629
167.741.2630
167.741.2639
167.741.2640
167.741.2646

SUBSIDY IS NOT AVAILABLE IN SL.
167.741.2604
167.741.2624
167.741.2629
167.741.2630
167.741.2639
167.741.2640
167.741.2646
----------------------------------------------------------------------
HEAD : ADVANCES GENERAL - TEACHERS LOAN
----------------------------------------------------------------------
A/C NO : DPN TEACH/001940 ABDUL MAZID
LIMIT : 55000.00 LIABILITY : 28715.00

----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : DPN TEACH/002139 INDIRA SHARMA
LIMIT : 100000.00 LIABILITY : 68807.00

----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : DPN TEACH/002244 KISHAN S/O RADA
LIMIT : 38000.00 LIABILITY : 13442.00

----------------------------------------------------------------------
36 MONTH.
----------------------------------------------------------------------
A/C NO : DPN TEACH/002271 KAILASH CHAND TRIPATHI S/O PUSA LAL TRIP
LIMIT : 100000.00 LIABILITY : 48315.00

----------------------------------------------------------------------
33 MONTH.
----------------------------------------------------------------------
A/C NO : DPN TEACH/002491 ABHAYA SHASTRI
LIMIT : 78000.00 LIABILITY : 60164.00
----------------------------------------------------------------------
----------------------------------------------------------------------
A/C NO : DPN TEACH/NO ACCOUNT
----------------------------------------------------------------------
ACCOUNT NO NAME OF PARTY
1887 TAJENDRA SINGH
1914 RAMA GOYAR
1935 AJAYPAL SINGH
1940 ABDUL MAZID

2139 12181
2340 1307
2315 1153
2314 1541
2341 1896
2421 1488
2302 1879
2392 1411
2410 1276
2349 2006
2492 2716
----------------------------------------------------------------------
HEAD : ADVANCES GENERAL - MISCELLANEOUS
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
Miscellaneous
XEROX OF INCOME PROOF OBTAINED IS NOT VERIFIED BY BRANCH
OFFICIAL.

Miscellaneous
NF373 NOT OBTAINED IN FOLLOWING SGSY ACCOUNTS.
2623, 2624, 2625, 2627 & 2628
33 (Ref No : 2-99-9003) /CKR(29384) dt.02/05/2009

Miscellaneous
GL CODE 141000030 GEN ADV LPD MIGRATION GL - RS. 2730989/-
NEEDS RECONCILATION IN CONSULTAITON WITH TM SEC/DIT.
34 (Ref No : 2-99-9076) /SKR(70440) dt.04/05/2009

ACCOUNT NO OVERDUE AMT
TERM LOAN
773.1886 5119
773.1554 13446
SWARNAJAYANTHI GRAM SWAROZGAR YOJANA(SGSY)

682.2627 895
682.2628 895
682.2626 593
DIR
685.2445 1070
685.2566 1119
685.2618 1689
685.2588 522
685.2600 2086
685.2620 1245
685.2514 2094
DPN/SJSRY
741.1966 806
741.2364 1390
741.2365 1390
741.2573 862
741.2562 1272
741.2394 1461
741.2574 10008
741.2629 4478
741.2391 2140
741.2426 3170
741.2649 2548
ALLHV
799.2225 11563
ALFML802.2 35192
CANBUDGET LOANS
----------------
2381 3041
2411 5932
1977 6152
2039 15541
2093 13955
2100 9908
2218 7401
2287 2512
2357 12021
2308 2941
2382 3978
2397 3300
2008 6232
2239 6595
2291 10263
2417 6836
CANJEWEL LOANS
--------------
2361 15195
2427 7701
2635 2991
2616 14880
CANMAHILLA LOANS
----------------
2185 3331
2379 1876
CANMOBILE LOANS
---------------
2468 2138
2611 10577
PMRY/RT LOANS
-------------
2437 2979
2059 1861
2654 2608
2170 22236
2167 7746
2590 3452
TEACHERS LOANS
--------------
2139 12181
2340 1307
2315 1153
2314 1541
2341 1896
2421 1488
2302 1879
2392 1411
2410 1276
2349 2006
2492 2716
35 (Ref No : 2-99-9082) /SKR(70440) dt.04/05/2009

FOLLOWING GODOWN INSPECTION/SECURITY VERIFICATION WAS DONE
ALONG WITH BRANCH OFFICIAL.
GODOWN INSPECTION CONDUCTED ON 30/04/2009 & 1/5/2009 ALONG
WITH SRI KAMAL KUMAR CHELANI(62487), OFFICER, GOVT SPONSORED
SCHEME INSPECTION WAS DONE ALONG WITH SRI HN BANSIWAL,
OFFICER.
------------------------
1)OD10067 VINOD KR GOPAL DAS Rs.0.75 LAKH - SATISFACTORY

2)OD791 N K MATCHING Rs.1 LAKH - SATISFACTORY
3)OD10087 INSTRUMENT MFG COMPANY Rs.2 LAKH - SATISFACTORY
4)OD10242 BIJALANI DISTRIBUTORS Rs2 LAKH - SATISFACTORY
5)OD413 RAJESH CLOTH STORE Rs.2 LAKH - SATISFACTORY
6)OD516 SANTOSH TRADERS Rs.2 LAKH - SATISFACTORY
7)OD10249 HR SONS Rs.2 LAKH - SATISFACTORY
8)OD10209 DANI MEDICAL Rs.2 LAKH - A/C OVERDRAWN &
CLASSIFIED AS NPA
9)OD10260 RISHI BOOK & STATIONERY Rs.1 LAKH - SATISFACTORY
10)OD10269 VIVEK FANCY STORE Rs.2 LAKH - SATISFACTORY
11)OD10241 SHRUTI AGENCY Rs.2 LAKH - SATISFACTORY
12)OD10240 JAGTAR CYCLE Rs.2 LAKH - SATISFACTORY
13)OD2 ASHU SWEETS Rs.2 LAKH - SATISFACTORY
14)OD976 HINDU DAILY Rs.2 LAKH - SATISFACTORY
15)OD10171 MAYUR SALES AGENCY Rs.3 LAKH - SATISFACTORY
16)OD10155 VIMAL TRADERS Rs.5 LAKH - SATISFACTORY
17)OD10159 INDIA BOOK DEPOT Rs.4 LAKH - SATISFACTORY
18)OD10272 ADARSH MEDICALS Rs.3 LAKH - SATISFACTORY
19)OD10197 MULTI SOFRWARE DEVELOPMENT Rs.6 LAKH -
SATISFACTORY
20)OD10276 DILHA COLLECTION Rs.5 LAKH - SATISFACTORY
21)OD10055 BLAZE FASHION Rs.15 LAKH - SATISFACTORY
22)OD10092 VASUJA WOOD WORKS Rs.5 LAKH - SATISFACTORY
23)OD10126 KAMAL PROVISION Rs.3 LAKH - SATISFACTORY
24)OD10089 SIND FURNITURE Rs.8 LAKH - SATISFACTORY
25)OD10164 MOHIT PAPERS Rs.5 LAKH - NPA A/C, PARTY
DISCONTINUED ACTIVITY, GODOWN LOCKED, LOCATION OF PLOT GIVEN
AS EMT PROPERTY COULDN'T BE LOCATED.
26)OD10245 LAL SONS Rs.7 LAKH - SATISFACTORY
27)OD10092 JAIN GARMENTS Rs.30 LAKH - SATISFACTORY
28)OD10217 MAYUR PUSTAK BHANDAR Rs.30 LAKH - SATISFACTORY
29)CANMOBILE2469 TRILOK CHAND LIA-Rs. 13938.87 SATISFACTORY
30)CANMOBILE2461 RAMESH MEGHVANSHI LIA-Rs.110488
SATISFACTORY
31)CANMOBILE2468 PRAKASH CHAND LIA-Rs.13231.22 SATISFACTORY
32)ALOD10274 PREM DEVI RS.4.12 LAKH SATISFACTORY
33)ALOD10275 AYODHYA DEVI Rs.3.56 LAKH SATISFACTORY.
34)ALDL2 SMT BASIRAN Rs.6.55 LAKH NPA A/C, PUCCA SHED AS PER
PROJECT REPORT IS NOT CONSTRUCTED, ANIMALS ARE AVAILABLE BUT
NOT TAGGED, ACTIVITY IS GOING ON.
35)ALDL1 PRAVEEN GARG Rs.7.67, LPD TRANSFERRED NPA A/C, SHED
AND ANIMALS NOT AVAILABLE AS PER PROJECT REPORT. LOAN
PROCEEDS MISUTILISED BY THE PARTY.
36)CANBUDGET 1831 MADAN LAL SOLANKI LIAB.RS.10282/- NPA A/C
37)TEACHERS 1887 TEJENDRA SINGH LIAB.RS.51094/- - ACTION
UNDER SEC 138 INITIATED
38)CANMAHILLA 2135 GAURI DANI LIAB.RS.11967/- NPA A/C POOR
CONDITION
39)CANBUDGET 2169 VIKRAM SINGH LIAB.RS.20021/- NPA A/C NOT
AVAILABLE
40)CANMAHILLA 2196 REKHA JAIN LIAB.RS.25719/- NPA A/C PARTY
RESIDING IN MUMBAI
41)CANBUDGET 2202 SANJAY KUMAR JAIN LIAB.RS.49573/- NPA A/C
PARTY RESIDING IN JAIPUR
42)CANBUDGET 2203 SUNITA JAIN LIAB.RS.25206/- NPA A/C PARTY
RESIDING IN JAIPUR
43)PMRY 2221 RAKESH CHAUHAN LIAB.RS.41675/- NPA A/C NOT
REPAYING
44)CANBUDGET 2216 RAVI SONI LIAB.RS.45403/- NPA A/C NOT
REPAYING
45)PMRY 2227 YOGENDRA AJMERA LIAB.RS.61224/- NPA A/C NOT
REPAYING
46)CANBUDGET & HL A/C ASHOK RAHUL LIAB.RS.47327/- &
RS.404475.80 - NPA A/Cs- ACTION INITIATED UNDER SARFAESI
ACT.
47)ACC 2235 GOMTI LIAB.RS.25212/- NPA A/C NOT REPAYING
48)ACC 2334 ASHOK KUMAR LIAB.RS.23796/- NPA A/C NOT REPAYING
49)SJSRY 2356 SANTOSH DEVI LIAB.RS.16795/- NPA A/C NOT
REPAYING
50)CANMAHILLA 2339 BHARTI PATODI LIAB.RS.18205/- NPA A/C NOT
REPAYING, LEFT PLACE AFTER HER MARRIAGE
51)SJSRY 2647 GIRIRAJ SINGH LIAB.RS.75851/- NPA A/C NOT
REPAYING
52)CANBUDGET 1794 TARA CHAND LIAB.RS.26935/- NPA A/C NOT
REPAYING
53)CANBUDGET 1965 MAHAVEER SINGH LIAB.RS.13680/- NPA A/C NOT
REPAYING
54)CANBUDGET 1983 RAMESH SINGH LIAB.RS.17411/- NPA A/C
RAILWAY EMPLOYEE, NOT REPAYING
55)CANBUDGET 2005 R.SRIRAM LIAB.RS.9811/- NPA A/C PARTY NOT
AVAILABLE FOR CONTACT
56)SJSRY 2443 SITA DEVI LIAB.RS.10263/- NPA A/C NOT REPAYING
57)CANMAHILLA 2152 RAJ KUMAR DANI LIAB.RS.12184/- NPA A/C
NOT REPAYING
58)CANBUDGET 2217 NARESH KUMAR SONI LIAB.RS.45402/- NPA A/C
RESIDING IN JAIPUR
59)PMRY 2219 SHRAWAN KUMAR LIAB.RS.28623/- NPA A/C NOT
REPAYING
60)PMRY 2222 PRAKASH CHAND CHAUHAN LIAB.RS.43437/- NPA A/C
NOT REPAYING
61)SJSRY 2229 PREM CHAND LIAB.RS.9210/- NPA A/C NOT REPAYING
62)SJSRY 2331 TULSI DAS LIAB.RS.15162/- NPA A/C NOT REPAYING
63)SJSRY 2333 CHANDAN LIAB.RS.6670/- NPA A/C NOT REPAYING
64)SJSRY 2393 DILIP LIAB.RS.10864/- NPA A/C NOT REPAYING
65)PMRY 2452 SEEMA GUPTA LIAB.RS.59124/- NPA A/C POOR
CONDITION
66)CANMAHILLA 2449 LATA MAURYA LIAB.RS.34763/- NPA A/C POOR
CONDITION
67)PMRY 2499 KAMAL KISHORE LIAB.RS.64068/- NPA A/C NOT
REPAYING.
72)PMRY2620 BHAGWAN DAS SHARMA Rs.1 LAKH SATISGACTORY
68)SJSRY2624 RAJENDRA KANNOJIA - SATISFACTORY.
COMMON OBSERVATIONS
------------------
1.Hypothecation board not displayed at the godowns of the

OCC parties.
Branch to ensure.
2.Branch to followup all NPA accounts and send suitable

recommendations
to CO in a time bound programme,if required.
36 (Ref No : 2-99-9083) /SKR(70440) dt.04/05/2009

REVIEW OF FRAUD PRONE AREA OF VERY LARGE BRANCH.
FOUR FRAUDS SURFACED DURING THE REVIEW PERIOD. ALL THE FOUR
FRAUDS ARE EXTERNAL IN NATURE AND PERPETRATED BY DULY
INTRODUCED BORROWERS.
1) HL167.619.2642- SUSHIL GOYAL LIMIT-Rs.6 LAKH LIA-Rs.3.11

LAKH
THIS FRAUD WAS EXTERNAL IN NATURE BUT SOME OVER COMFORT WAS
OBSERVED ON THE PART OF BRANCH EMPLOYEE BECAUSE THE CUSTOMER
WAS INTRODUCED BY ONE OF STAFF SRI R S SHARMA, NOW
RETIRED.
SUBJECT PROPERTY WAS OWNED BY SRI BANWARI LAL GEHLOT. THE
BORROWER HAS AVAILED THE LOAN BY IMPERSONATING THE SELLER
AND THE PROCEEDS WERE ENCASHED FRAUDULENTLY BY THE BORROWER
BY OPENING A SB ACCOUNT IN THE NAME OF SELLER AT INDUSIND
BANK. INVESTMENT CONDUCTED IN THE MATTER REVEALS THE
FOLLOWING LAPSES WHILE SANCTIONING THE ACCOUNT.
a) EMT was executed on the basis of title deeds executed by
impersonation of title holder and hence the security for our
bank is virtually NIL.
b) At the behest of the borrower a fraudster was arranged to
impersonate as seller & the loan proceeds were siphoned by
borrower.
c) As per agreement to sale the age of the seller is 30 year
but as per the sale deed dtd-1.2.2005 the age of the seller
is 50 yrs and the same was not noticed by the branch. The
branch has also not observed that the photograph of owner
ahs been removed and the photograph of the imposed was
pasted on the sale deed. The original title deed
dtd-1.12.2005 was available with the borrower and hence he
was able to temper the same.
d) The inspection of the property was carried out along with
the borrower and this has prevented independent assessment.
THE FRAUD AHS BEEN REPORTED TO R&R SECTION AND PRESENT
STATUS OF ACCOUNT IS LOSS.
2)HL2667 AJAY SINGH SEN LIMIT-Rs.9.5 LAKH PL- Rs.10.26 LAKH.

In this case borrower fraudulently mortgaged the property
already mortgaged to us PNB and again availaed the Housing
Loan from PNB. PNB tried to take the possession of property
but DRT Delhi has given judgement in favour of us for
recovery of our dues first and to keep the surplus in
suspense till outcome of OA suit filed by PNB.
Account was originally introduced by Sri Sanjay Jain, well
known to branch. Ajay sen has also deposited fake RICCO
property documents at Ajmer-2 to avail a limit of Rs.5 lakh
in the name of M/S SHYAM FOOD.
Borrower has perpetrated the fraud because branch has not

obtained the full chain of original documents. Branch to
explore the possibility of adjusting the liability of
Ajmer-2 branch with tha sale proceed of the attached
building. Borrower is prensently not traceable.
Matter is yet to be reported to R&R Section.
3)HL2666 SANJAY KUMAR & ASHA DEVI PL-Rs.10.26 LAKH

In this case borrower fraudulently mortgaged the property
already mortgaged to us to OBC and again availed the Housing
Loan from OBC. There is counter claim about the originality
of the deposited documents and the matter is subjudice.
Borrowers are trace less. These borrowers also stands as
vendor in the property related to fraud no-2, which shows
that there are certain group of people which are actively
involved in perpetrating fraud in various banks.
Matter not reported to R&R Section.
4) LHV167.740.1507 LATE SRI KR BCCHHANI LIMIT-RS.3.90 lakh
PL-Rs.3.14 lakh.
In this case our lien from RC got deleted fraudulently and
against same vehicle loan from HDFC bank was availed. Lien
of HDFC bank was noted in the RC.
Matter not reported to R&R Section.
FRAUD PRONE AREA WHICH IS TO BE ATTENDED IMMEDIATELY-

Blank signed cheques obtained from the party is kept with
the loan paper without diarising it.
37 (Ref No : 2-99-9084) /SKR(70440) dt.01/05/2009

SCRUTINY OF SWL STATEMENTS & EXERCISE OF DELEGATED POWER.
CONSOLIDATION OF BRANCH SWL ACCOUNTS AS ON 31-MAR-2009 IS AS
UNDER
============================================================
=======
(CURRENT MON)
CATEGORY NO OF A/CS AMT IN LACS OD CRITICAL AMT
SLIPPED TO NPA
A 86 24.58 5.04 3.39
2.10(12 A/CS)
B 34 70.62 2.18 0.88
0
C 33 142.01 10.34 9.23
0
D 1 37.20 37.16 35.93
0
E NIL NIL NIL NIL
NIL
TOTAL 154 274.40 54.73 49.93
2.10(12 A/CS)
1) SWL LIST GENERATED BY THE SYSTEM IS NOT GIVING THE

CORRECT LIST OF SWL ACCOUNTS AND SWL ACCOUNTS ARE MANUALLY
UPDATED BY THE BRANCH OFFICIAL.
AS IT IS THERE IS NIL SWL ACCOUNT UNDER PART D BUT SYSTEM
GENERATED SWL LIST IS SHOWING ONE ACCOUNT WHICH IS NOT
CORRECT. THIS WRONG CLASSIFICATION OF SWL IS MOSTLY OBSERVED
IN THE MIGRATED ACCOUNTS.
2) SYSTEM IS NOT TAKING CARE OF OTHER IRREGULARITIES EXCEPT

OVERDUE ACCOUNT AND EXPIRED LIMIT. FOLLOWING ACCOUNT WAS
DISBURSED ON 22/02/2007 AND EMT IS YET TO BE PUT THROUGH BUT
ACCOUNT IS NOT BEING CLASSIFIED AS SWL.
167.619.2439 SK GOYAL(ADVOCATE) LIABILITY-Rs.3.95 LAKH.
3) AS PER PRUDENTIAL NORM FOLLOWING ACCOUNT TO BE CLASSIFIED

AS NPA BUT THEY WERE KEPT UNDER SPECIAL WATCH LIST. AFTER
OUR INSPECTION OBSERVATION ALL THESE ACCOUNTS WERE
CLASSIFIED AS NPA.
Total records : 15
------------------------------------------------------------
---------------
REVIEW PERIOD : 01/04/2007 TO 28/02/2009
------------------------------------------------------------
-----
HEAD : ADVANCES GENERAL - CANBUDGET
------------------------------------------------------------
-----
------------------------------------------------------------
-----
Query : AS PER PRUDENTIAL NORM ACCOUNT TO BE CLASSIFIED
AS NPA BUT
Qry Ref No : 2-5-9071 /SKR(70440) *** RECTIFIED ***
dt.24/04/2009
------------------------------------------------------------
-----
A/C NO : CANBUDGET/002039 ASHOK KUMAR SHARMA
LIMIT : 70000.00 LIABILITY : 27321.00
LOAN DT : 24/02/2005 AOD DATE : 26/11/2007 CLOSED
DT : / /
------------------------------------------------------------
-----
A/C NO : CANBUDGET/002093 OM PRAKASH MAHAWAR
LIMIT : 60000.00 LIABILITY : 43891.00
DT : / /
------------------------------------------------------------
-----
A/C NO : CANBUDGET/002100 MAHIPAL SINGH DHAKA
LIMIT : 90000.00 LIABILITY : 36595.00
DT : / /
------------------------------------------------------------
-----
A/C NO : CANBUDGET/002239 JAGMAL SINGH RATHORE
LIMIT : 50000.00 LIABILITY : 27887.00
DT : / /
------------------------------------------------------------
-----
A/C NO : CANBUDGET/002299 NAWAL KISHORE THADA
LIMIT : 50000.00 LIABILITY : 40543.00
DT : / /
------------------------------------------------------------
-----
A/C NO : CANBUDGET/002357 TULSI RAM S/O BIJULIA
LIMIT : 40000.00 LIABILITY : 28350.00
DT : / /
------------------------------------------------------------
-----
HEAD : ADVANCES GENERAL - CANJEWEL
------------------------------------------------------------
-----
------------------------------------------------------------
-----
AS NPA BUT
dt.24/04/2009
------------------------------------------------------------
-----
A/C NO : CANJEWEL/002361 MURLIDHAR HEMANDAS
LIMIT : 50000.00 LIABILITY : 41964.00
DT : / /
------------------------------------------------------------
-----
A/C NO : CANJEWEL/002616 JAI SHANKER SHARMA
LIMIT : 100000.00 LIABILITY : 102692.00
DT : / /
------------------------------------------------------------
-----
------------------------------------------------------------
-----
HEAD : ADVANCES GENERAL - DPN
------------------------------------------------------------
-----
------------------------------------------------------------
-----
AS NPA BUT
dt.30/04/2009
------------------------------------------------------------
-----
A/C NO : DPNRT/002443 SITA DEVI W/O GIRDHARI
GUJAR
LIMIT : 15000.00 LIABILITY : 10328.00
DT : / /
------------------------------------------------------------
-----
A/C NO : DPNRT/002574 SUMESH BIJAWAT S/O LATE S
N BIJAWAT
LIMIT : 25000.00 LIABILITY : 23231.00
DT : / /
------------------------------------------------------------
-----
------------------------------------------------------------
-----
------------------------------------------------------------
-----
------------------------------------------------------------
-----
AS NPA BUT
dt.18/04/2009
------------------------------------------------------------
-----
A/C NO : PMRY PSE/002167 MOBINA
LIMIT : 38000.00 LIABILITY : 24426.00
DT : / /
------------------------------------------------------------
-----
A/C NO : PMRY SB/002170 SAURABH CHHAJER
LIMIT : 80000.00 LIABILITY : 54097.00
DT : / /
------------------------------------------------------------
-----
LIMIT : 50000.00 LIABILITY : 24321.00
DT : / /
------------------------------------------------------------
-----
------------------------------------------------------------
-----
HEAD : ADVANCES GENERAL - SJSRY
------------------------------------------------------------
-----
------------------------------------------------------------
-----
AS NPA BUT
dt.30/04/2009
------------------------------------------------------------
-----
A/C NO : SJSRY RT/002629 KISHANLAL S/O KHETARAM
LIMIT : 15000.00 LIABILITY : 15273.00
DT : / /
------------------------------------------------------------
-----
------------------------------------------------------------
-----
HEAD : ADVANCES GENERAL - TEACHERS LOAN
------------------------------------------------------------
-----
------------------------------------------------------------
-----
AS NPA BUT
dt.24/04/2009
------------------------------------------------------------
-----
A/C NO : DPN TEACH/002139 INDIRA SHARMA
LIMIT : 100000.00 LIABILITY : 68807.00
DT : / /
------------------------------------------------------------
-----
EXERCISE OF DELEGATED POWER

============================
BRANCH HAS JUDICIOUSLY USED THEIR DELEGATED POWER BUT
FOLLOWING OVERDUES WERE PERMITTED WHICH WERE BEYOND BRANCH
DELEGATED POWER AND RATIFICATION WAS NOT ON RECORD. AFTER
OUR INSPECTION OBSERVATION BRANCH REPORTED THE OVERDRAWING
TO CIRCLE AND OVERDRAWINGS WERE GOT RATIFIED.
Total records : 12
------------------------------------------------------------
---------------
REVIEW PERIOD : 01/04/2007 TO 28/02/2009
------------------------------------------------------------
-----
------------------------------------------------------------
-----
------------------------------------------------------------
-----
Query : OVERDRAWING PERMITTED BEYOND BRANCH POWER. CO
RATIFICATION
IS NOT ON RECORD.
dt.18/04/2009
------------------------------------------------------------
-----
A/C NO : OVERDRAFT/000999 NULITE COLOR LAB
LIMIT : 196000.00 LIABILITY : 203362.77
DT : / /
------------------------------------------------------------
-----
LIMIT : 1500000.00 LIABILITY : 1418007.30
DT : / /
------------------------------------------------------------
-----
25/8/08 169205
A/C NO : OVERDRAFT/010092 JAIN GARMENTS
LIMIT : 3000000.00 LIABILITY : 2561627.18
DT : / /
------------------------------------------------------------
-----
13/6/07 392267
15/11/07 331738
8/12/08 365166
14/1/08 464468
4/11/08 339960
A/C NO : OVERDRAFT/010159 INDIA BOOK DEPOT
LIMIT : 400000.00 LIABILITY : 402391.00
DT : / /
------------------------------------------------------------
-----
30/6/08 96413
A/C NO : OVERDRAFT/010197 MULTI SOFTWARES &
DEVELOPMENTS
LIMIT : 600000.00 LIABILITY : 617632.34

DT : / /
------------------------------------------------------------
-----
2/12/08 62822
A/C NO : OVERDRAFT/010217 MAYUR PUSTAK BHANDAR
LIMIT : 3000000.00 LIABILITY : 2779529.69
DT : / /
------------------------------------------------------------
-----
8/3/08 332921
4/10/08 313187
10/2/09 415732
LIMIT : 200000.00 LIABILITY : 197446.64
DT : / /
------------------------------------------------------------
-----
21/8/08 30428
LIMIT : 800000.00 LIABILITY : 817487.00
DT : / /
------------------------------------------------------------
-----
27/2/08 98675
5/9/08 88445
12/1/09 83206
A/C NO : OVERDRAFT/010244 SIDDHI VINAYAK
AGENCIES
LIMIT : 200000.00 LIABILITY : 199966.65
DT : / /
------------------------------------------------------------
-----
30/11/07 Rs.58171
01/05/08 Rs.85178
A/C NO : OVERDRAFT/010248 AULIA SHOP
LIMIT : 400000.00 LIABILITY : 398896.00
DT : / /
------------------------------------------------------------
-----
26/3/08 45628
27/3/08 95620
LIMIT : 200000.00 LIABILITY : 239632.00
DT : / /
------------------------------------------------------------
-----
5/7/08 56643
16/9/08 51149
A/C NO : OVERDRAFT/010276 DULHA COLLECTION
LIMIT : 500000.00 LIABILITY : 548802.00
DT : / /
------------------------------------------------------------
-----
16/10/08 53543
----------------------------------------------------------------------
A/C NO : EXTENSION/SOPHIA EXTN COUN SOPHIA EXTENSION COUNTER

----------------------------------------------------------------------
38 (Ref No : 2-99-9001) /SKR(70440) dt.02/05/2009
Miscellaneous
INSPECTION QUERY SHEET OF SOPHIA EXTENSION COUNTER
DTD-24/3/09
SUPRISE CASH VERIFICATION DONE ON 24/3/09 AT 9.45 AM. CBS

VAULT CASH OF Rs.303528/- TALLIED WITH PHYSICAL CASH
VAILABLE IN THE DOUBLE LOCK.
1) SUNDRY DEPOSIT
FOLLOWING SD ITEMS TO BE FOLLOWED UP FOR ADJUSTMENT.
ITEM AMOUNT
1) SD-INT PAYABLE 24360.36
ON MIGRATED FDR
----------------------------------------------------------------------
HEAD : AGRICULTURE ADVANCE GENERAL - AL-OD
----------------------------------------------------------------------
A/C NO : OVERDRAFT/010255 SUNDER DEVI W/O RAM KARAN BHADU
LIMIT : 500000.00 LIABILITY : 488534.00

----------------------------------------------------------------------
1/1/07 TO 18/6/08

EMT NOT PUT THROUGH AND LEDTD & SCHEDULE A&B NOT OBTAINED.
----------------------------------------------------------------------
A/C NO : OVERDRAFT/010259 PHOOLI W/O RAMCHANDRA JI
LIMIT : 190000.00 LIABILITY : 173821.00

----------------------------------------------------------------------
21/6/07 TO 1/8/07
Miscellaneous
AS PER KOD NORM, PARTY IS NOT ELIGIBLE FOR A LIMIT OF
Rs.1.90 LAKH BECAUSE HOLDING IS ONLY 1 ACRE & 12 BISWA.
MAXIMUM ELIGIBILITY IS Rs.1 LAKH/ACRE DULY MAINTAINING A
MARGIN OF 200%.

----------------------------------------------------------------------
A/C NO : OVERDRAFT/010263 RAMESH MEGHVANSHI
LIMIT : 500000.00 LIABILITY : 505890.00

----------------------------------------------------------------------
1/1/06 TO 8/10/07

Miscellaneous
ORIGINAL POA EXECUTED IN FAVOUR OF VENDOR SRI VIRENDRA SINGH
IS NOT ON RECORD.

----------------------------------------------------------------------
A/C NO : OVERDRAFT/010267 SARITA DEVI
LIMIT : 750000.00 LIABILITY : 24266.00

----------------------------------------------------------------------
1/1/07 TO 8/11/07

Miscellaneous
EXCESS FINANCE OBSERVED. QUANTUM OF KOD LIMIT PER ACRE OF
LAND SHOULD NOT BE MORE THAN Rs.1 LAKH.

Miscellaneous
SIGNATURE AND DETAILS OF JOINT BORROWER IS NOT FURNISHED
OVER NF985 DTD-12/11/07

----------------------------------------------------------------------
A/C NO : OVERDRAFT/010268 DALJEET SINGH
LIMIT : 750000.00 LIABILITY : 24301.00

----------------------------------------------------------------------
1/1/07 TO 8/10/07

Miscellaneous
EXCESS FINANCE OBSERVED. QUANTUM OF KOD LIMIT PER ACRE OF
LAND SHOULD NOT BE MORE THAN Rs.1 LAKH.

----------------------------------------------------------------------
A/C NO : OVERDRAFT/010274 PREM DEVI W/O RAM SWAROOP BHADU
LIMIT : 400000.00 LIABILITY : 402431.00

----------------------------------------------------------------------
19/9/07 TO 20/3/09

----------------------------------------------------------------------
A/C NO : OVERDRAFT/010275 AYODHA DEVI W/O JAGDISH PD BHADU
LIMIT : 350000.00 LIABILITY : 352133.00

----------------------------------------------------------------------
17/9/07 TO 16/2/08

----------------------------------------------------------------------
HEAD : AGRICULTURE ADVANCE GENERAL - CROP LOANS
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
Annual Review for KCC accounts not done.
167.781.1 DEVI SINGH
167.781.2 GUMANI
39 (Ref No : 3-6-9003) /SKR(70440) dt.04/05/2009

Miscellaneous
167.781.3 SHANTI W/O PURANJI
1) BILLS/RECEIPT NOT OBTAINED.
2) INSURANCE OF PURCHASED GOODS NOT OBTAINED.
3) NF983 NOT FILLED UP COMPLETELY
4) NF459 IS NOT FILLED UP COMPLETELY AND IS NOT SIGNED BY
MANAGER.
----------------------------------------------------------------------
HEAD : AGRICULTURE ADVANCE GENERAL - DAIRY, PIGERRY, SHEEP/GOAT
REARING, BULLOCK & CAR
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
40 (Ref No : 3-7-9001) /SKR(70440) dt.04/05/2009
Miscellaneous
1) 167.804.1 PARVEEN GARG DAIRY UNIT Rs.7.67 LAKH
a) BRANCH TO FOLLOWUP WITH THE CO FOR GETTING SUIT FILING
PERMISSION AS THE PARTY IS NOT REMITTING INSTALMENT.
b) INSURANCE COVER FOR 9 COW AND SHED TO BE OBATINED.
2) 167.804.2 BASIRAN
a) INSURANCE COVER FOR 11 SHE BUFFALO TO BE OBTAINED.
----------------------------------------------------------------------
HEAD : AGRICULTURE ADVANCE GENERAL - L H V TO AGRICULTURE
----------------------------------------------------------------------
A/C NO : ALLHV/NO ACCOUNT
----------------------------------------------------------------------

Miscellaneous
167.990.2489 BABULAL MAHAWAR
NF 373 NOT DATED.
----------------------------------------------------------------------
HEAD : AGRICULTURE ADVANCE GENERAL - TRACTOR/POWER
TILLER/MECHANISED BOATS/OTHERS
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
Miscellaneous
167.802.1 REKHA BADLANI TRACTOR
INSURANCE COPY OF TRACTOR IS NOT ON RECORD.
----------------------------------------------------------------------
HEAD : GUARANTEES - MISCELLANEOUS
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
41 (Ref No : 5-99-9001) /SKR(70440) dt.04/05/2009
Miscellaneous
OBSERVATIONS IRO GUARANTEES ACCOUNT.
1) BG3/08- M/S RANJEET SINGH CHAUDHARY Rs.2200000/-

a) GUARANTEE FORMAT IS NOT APPROVED BY LEGAL SECTION AND
PROTECTIVE CLAUSE IS NOT INCORPORATED AS PER MOI.
S
----------------------------------------------------------------------
HEAD : ACCOUNT WITH BANKS - MISCELLANEOUS
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
42 (Ref No : 12-99-9001) /CKR(29384) dt.02/05/2009
Miscellaneous
Average balance held in the bankers account is huge. needs
proper monitoring.
----------------------------------------------------------------------
HEAD : SUNDRY ASSETS - MISCELLANEOUS
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
43 (Ref No : 14-99-9001) /CKR(29384) dt.02/05/2009
Miscellaneous
following entries need immediate review:
DEP-TD-KD-MIGRANTION MANUAL A/C RS. 237000/-
44 (Ref No : 14-99-9002) /CKR(29384) dt.02/05/2009

Miscellaneous
SUNDRY DEPOSITS:
FOLLOWING ENTRIES NEED IMMEDIATE REVIEW:
1. Rs. 450/- - ghanshyam das a/c 2378.
2. Rs. 11000/- kept in SD-WOP as cansi balance trf.
3. rs. 5932/- NRE SUSPENSE DEPOSIT DETAILS.
4. KD TDS 3216, 3303, 4041 TO 4099 - RS. 5318, 1041, 1236
RESPECTIVELY.
45 (Ref No : 14-99-9003) /CKR(29384) dt.02/05/2009

Miscellaneous
SOFIA GIRLS EC :
SD INT PAYABLE ON MIGRANTED FDRS RS. 24360.36 ( 31/12/2007)
SD INT PAYABLE ON OTHER DEPOSITS: RS. 103/-(5/7/07)
SD WOP RS. 646/- (4/7/07) PERTAIN TO CLEARING.
NEEDS REVIEW.
----------------------------------------------------------------------
HEAD : SUNDRY LIABILITY - MISCELLANEOUS
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
46 (Ref No : 17-99-9001) /CKR(29384) dt.02/05/2009
Miscellaneous
DEP TD KD MIGRATION MANUAL(211697001) A/C RS. 237000/- NEEDS
REVIEW.
----------------------------------------------------------------------
HEAD : SAFE CUSTODY ARTICLES - MISCELLANEOUS
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
47 (Ref No : 18-99-9001) /CKR(29384) dt.02/05/2009
Miscellaneous
SAFE CUSTODY OF KEYS BY INDSIND BANK SINCE 1/4/07. BRANCH TO
COLLECT APPLICABLE CHARGES.
----------------------------------------------------------------------
HEAD : SAFE DEPOSIT LOCKERS - MISCELLANEOUS
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
Miscellaneous
NOMINATION NOT REGD:
6, 47, 182.

Miscellaneous
NOMINATION NOT SIGNED BY MANAGER:
72.

Miscellaneous
3 YEAR ADVANCE AND BREAK OPEN CHARGES NOT COLLECTED - SDL
82.

Miscellaneous
SDL 63: AGREEMENT DATED 4/2/09 WRONGLY MENTIONED IN
AGREEMENT AS 4/2/08.

Miscellaneous
A. SDL 23 - CLAIM PENDING NEEDS FOLLOWUP.
B. SDL 45 NO OPERATION SINCE 1995 RENT DUE FROM 21/12/99
BRANCH TO FOLLOWUP FOR RENT RECOVERY/BREAK OPEN.
C. SDL 108 NO OPERATION SINCE 1996 RENT DUE FROM 1999 BRANCH
TO FOLLOWUP FOR RENT RECOVERY/BREAK OPEN.
----------------------------------------------------------------------
HEAD : PRR 18 - MISCELLANEOUS
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
48 (Ref No : 27-99-9001) /CKR(29384) dt.02/05/2009
Miscellaneous
PRR 18 REVISED FORMAT AS PER CIR 91/07 NOT USED.
LCCR DIFFERENCE NOT REPORTED IN THE STATEMENT.
SURPRISE CASH VERIFICATION BY INCHARGE NOT RERDED.
CONFIRMATION OF GENERATION AND PRESERVATION OF MANDATORY
REPORTS NOT RECORDED IN STATEMENT.
----------------------------------------------------------------------
HEAD : PRR 30 SUBMITTED TO CO. - MISCELLANEOUS
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
49 (Ref No : 28-99-9001) /CKR(29384) dt.02/05/2009
Miscellaneous
COMPLAINT REGISTER NOT MAINTAINED.
----------------------------------------------------------------------
HEAD : DEATH CLAIMS - MISCELLANEOUS
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
50 (Ref No : 34-99-9001) /CKR(29384) dt.02/05/2009
Miscellaneous
1. DEATH CLAIM REGISTER NOT MAINTAINED AFTER CLAIM NO 5/08.
CLAIM NO 4/07 NOT ENTERED IN REGISTER.
2. CLAIM NUM NIL - DR RAVI NANDCHAHAL SB 7324.

A.COPY OF DEATH CERTIFICATE NOT VERIFIED BY BRANCH.
B. RECEIPT NOT DATED.
C. NF 147 NOT DATED.
D. CLAIM SETTLEMENT NOT PROCESSED/PASSED BY MANAGER.
3. STAMPED RECEIPT INCOMPLETE/BLANK:

CLAIM NO.2/08, 4/08, 8/07, 1/08.
4. COPY OF DEATH CERTIFICATE NOT VERIFIED BY BRANCH:

CLAIM NO. 2/08, 5/08, 7/08, 6/07.
5. RECOMMENDATION/INSTRUCTION DOES NOT CONTAIN REQUIRED

PARTICULARS:
2/08, 3/08, 4/08.
6. MINOR SHARE - INDEMNITY NOT OBTAINED: CLAIM NO 2/08.
7. LETTER OF AUTHORITY BLANK/INCOMPLETE: CLAIM NO 6/07.
----------------------------------------------------------------------
HEAD : PROCEDURAL GUIDELINES - MISCELLANEOUS
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
51 (Ref No : 57-99-9001) /CKR(29384) dt.02/05/2009
Miscellaneous
MANDATORY BOARDS NOT DISPLAYED.
INSPECTION SUB TYPE : PART B

REVIEW PERIOD : 01/04/2007 TO 28/02/2009
----------------------------------------------------------------------
----------------------------------------------------------------------
LIMIT : 500000.00 LIABILITY : 509050.00

----------------------------------------------------------------------
52 (Ref No : 2-33-9001) /SKR(70440) dt.04/05/2009
Miscellaneous
a) Party discontinued the activity & Godown is locked.
b) Plot N0-7, Khasra No-1555, Chorsiyawas, given as an EMT
property couldn't be located for physical verification.
----------------------------------------------------------------------
HEAD : AGRICULTURE ADVANCE GENERAL - DAIRY, PIGERRY, SHEEP/GOAT
REARING, BULLOCK & CAR
----------------------------------------------------------------------
A/C NO : NO ACCOUNT
----------------------------------------------------------------------
53 (Ref No : 3-7-9001) /SKR(70440) dt.04/05/2009
Miscellaneous
ALDL167.804.2- SMT BASIRAN & OTHERS LIMIT-Rs.800000/-
LIA-655623/-
a) The loan was actually sanctioned in Year 2006 for

cultivation of crop but due to inspection observation of
excess finance in year 2007, the account was converted into
dairy loan. Rs.8 lakh dairy loan was given consisting of
Rs.6 lakh Term Loan & Rs.2 lakh OCC. But branch has
disbursed Rs.7 lakh term loan but end use was not ensured.
As per available project report Rs.4.37 lakh(loan component

Rs.3.07 lakh) is meant for construction of Pucca Shed but
Pucca shed is not being constructed and party is using old
existing Kuccha shed for cattle rearing. Present status of
the account is substandard.
54 (Ref No : 3-7-9002) /SKR(70440) dt.04/05/2009

Miscellaneous
ALDL167.804.1 PRAVEEN GARG LIMIT-Rs.10 LAKH DISB-Rs.7.5 LAKH
PL-Rs.7.67 L
a) Shed & animal not available as per project report.

b)Rs.10 lakh dairy loan was sanctioned on 25/1/06 for
purchase of 10 cow & construction of 100X90 square feet
shed, which was partially disbursed upto Rs.7.5 lakh.
Present asset classification is SSTD & presently party is
not available for contact. The Shed shown by branch official
is lying on Boraj Road. One Sri Ghoriwala claims that he has
purchased the land three year back. It appears that end use
is not proper. Branch to contact the revenue authority to
ascertain the location of Agril land charged to us.
---------------------------------------------------------------------------
SECURITY VERIFIED:
------------------- As per Annexure -----------------
******** END OF REPORT ******** #

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FROM

SUB : REGULAR INSPECTION OF

I am sending herewith a copy of the subject report to enable you to give

In the meanwhile, we draw your immediate attention to the following

a) BALANCING DIFFERENCES: In the following heads of acounts balancing

b) Non-checking of interest: We not that in the following heads of accounts

c) Income Leakage detected and pending recovery:

ii) Out of the above: yet to be recored: Rs. / Fully recovered.

REGULAR INSPECTION - INDEX

1 Aggregate advance as at Last Friday Flash 1086 1314

37 Interest collected BS 98 134

c) Top 10 accounts under exposure

b) Top 10 deposit accounts: (Rs. in lakhs)

1241 Whether branch has effectively followed up of rephased accounts as YES

1326 Whether godown inspections are done on rotation basis? NO

2001 Whether growth of CASA deposits are periodically reviewed and NO

3001 Whether branch has implemented ?TOKEN OF SERVICE? for YES

3561 whether commission as applicable to import bill is collected as per YES

3735 Whether Parcels register is maintained? YES

4001 Whether branch is promptly collecting Ledger folio charges for

2 Operation in the newly opened accounts: YES 99

3 Control over issuing of cheque books YES 99

4 Control over issue of Loose Leaf / upkeep of YES 80

5 Operations in inoperative accounts / illiterates YES 95

6 Passing of cash cheques - required precautions YES 90

7 Adherence to KYC guidelines - verification of AOF. YES 99

8 Transfer of deposit A/c from one branch to another by YES 97

9 Delayed despatch of PRR 20 s/NB 139 / NB140 copies of NO 0

10 Quality of conducting the market enquiry NO 0

Comments:laxity, observed in conducting credit enquiries.

11 Adherence to norms for getting OPL YES 90

12 Treatment of overdue bills/CDBs-Overlooking warning YES 90

13 Non review of Special Watch Loan list & identification YES 80

17 Sudden spurt in Advances figures. NO 0

Comments:no such observation.

18 Non-maintenance of Books of Accounts / Stock registers NO 0

19 Random/sample verification for availability of YES 99

20 Return of notices/registered notices sent to the YES 20

21 Requests for frequent overdrawings and Adhoc limits by NO 0

22 Instances of dishonor of cheques given towards recovery YES 10

23 Non-Receipt of loan instalments from the employers of YES 20

24 Frequent cash withdrawals from the OCC accounts. NO 0

25 Non-submission of Stock statements, Insurance policies, NO 0

26 Control over custody/issuance of security forms and YES 95

27 Whether all specimen signatures are scanned and NO 0

28 Balancing of high value securities/others as per YES 99

29 Whether security forms of other branches are being used NO 0

30 Abnormal operations in staff accounts. NO 0

32 No job rotation to few select employees. YES 50

Comments:officer and clerks found in the same job since 3

33 Instances of few employess not taking any NO 0

34 Lack of awareness on the concept of Whistle Blowing (HO NO 0

35 Control over responding advices YES 95

36 Unauthorized debits to Income and Expenditure Heads NO 0

38 Verification of outstanding cash BARs. YES 99

39 Realization of collection items above Rs. 5 lakhs by DD YES 90

40 Verification of debits to Interest paid /Accrued YES 90

41 Verification of debits to loan a/cs with corresponding YES 95

42 Payment of DDs/POs/TTs & Br Advice Whether required YES 95

43 Vouchers Management including Custody/ control - NO 0

44 Control over -Cash Department Systems & Procedures / YES 70

45 Whether Bankers Account / LCCR/ATM failed transactions YES 70

47 Whether all Ex-drawings are reported to RO / CO for YES 99

56 (Ref No : 1-2-4) /CKR(29384) dt.30/04/2009 * RECTIFIED *

57 (Ref No : 1-2-6) /CKR(29384) dt.01/05/2009 * RECTIFIED *

58 (Ref No : 1-2-18) /CKR(29384) dt.30/04/2009 * RECTIFIED *

59 (Ref No : 1-2-19) /CKR(29384) dt.30/04/2009 * RECTIFIED *

60 (Ref No : 1-2-22) /CKR(29384) dt.30/04/2009 * RECTIFIED *

61 (Ref No : 1-2-29) /CKR(29384) dt.02/05/2009 * RECTIFIED *