RATIONALES BEHIND BANK’S IMPORTANT INSTRUCTIONS

R. 1 Bank does not negotiate/transact foreign exchange business

for large amounts on Saturday, why?

Ans. International money market is closed on Saturday and Sunday

and it is not possible to cover operations.

R. 2 We do not open account in the name of undischarged bankrupt

person. Why ?

Ans. Undischarged bankrupt person is incompetent to enter into

valid contract. All the rights of an undischarged person vest in the
hands of official Receiver/assignee. Hence bank does not open any
account to avoid any legal complications to meet obligation of a
bankrupt person.

R. 3 Pre-sanction inspection is as important as post sanction follow-

up. Why ?

Ans. It helps the bank to have assessment of the borrower as well

as his/her project/infrastructure and any unsatisfactory features
attached thereto, before the sanction of credit facilities.

R. 4 We do not insist upon introduction, while opening accounts in

the name of Limited Companies. Why ?

Ans. 'Certificate of Incorporation’ issued by the Registrar of

Companies serves the purpose of introduction.

R. 5 Cash Balance should be kept minimum. Why ?

Ans. Cash balances are idle/non-performing assets and do not earn

any income. More over, the branch has to pay interest on cash
balances to Central Office.

R. 6 Statutory Liquidity Ratio is varied from time to time by RBI.

Why ?
Ans. This is an effective tool available to RBI to regulate flow of
credit as per national priority and plans. With a view to controlling
inflation /deflation through organised sector, the Statutory Liquidity
Ratio is varied from time to time.

R. 7 No interest is applied/debited to the balances lying in Protested

Bills/Recalled Debt Accounts. Why ?

Ans. Amounts/balances lying in Protested Bill/Recalled Debts

Account are considered doubtful of recovery/realisation. Application
of interest thereon will increase/inflate the income of the bank and
add unnecessary to its tax-burden, whereas recovery thereof is
doubtful.

R. 8 The lock of a surrendered locker is interchanged with that of

another, before being let out to another hirer. Why ?

Ans. To prevent the locker being tampered with, by an unscrupulous

hirer with a duplicate key.

R. 9 Outstanding entries in Sundry/ Suspense/ IBIT Accounts should

be monitored by the Branch Manager regularly. Why ?

Ans. With a view to obviate the chances of frauds or mis-

utilisation and to have better management on bank resources. Branch
Manager. should himself / herself monitor these entries regularly.

R. 10 Payment of a crossed cheque is not made in cash over the

counter even if the holder is identified to the bank. Why ?

Ans. Crossing is the mandate of drawer to the paying banker,

not to pay the cheque in cash. If it is paid in cash, it will contravene
drawer’s direction and the paying banker will not get protection which
is otherwise available under Negotiable Instrument Act, 1881.

R. 11 Joint Hindu Family letter is obtained for opening an

account in the name of the Joint Hindu Family. Why ?

Ans. It acts as a mandate from all the co-parceners of Joint

Hindu Family that will open and operate the account. At the same
time it also binds all the signatories personally in the event of the
business undertaken by the firm, proving outside the scope of the
family ancestral business.

R. 12 Why do we conduct surprise inspection ?

Ans. By surprise inspection, the concerned staff members are

made aware that fraudulent/manipulations are not possible. Hence,
their work is under constant supervision.

R. 13 Why introduction is insisted on opening the account ?

Ans. Introduction is necessary as to find out true identity and

integrity of customer to avail statutory protection under Section 131 of
N.I. Act, 1881. Moreover, it also ensures that banking channel is not
utilised for the purpose of evading tax by making deposits in
benami/fictitious names.

R. 14 Banks do not accept an Equitable Mortgage of

land/buildings situated in Cantonment Area. Why ?

Ans. Such mortgage is not accepted by the Cantonment

Board. Hence, such mortgage is not valid mortgage & the Board
supersedes others right.

R. 15 Why transit voucher book is used ?

Ans. So as to prevent any manipulation of vouchers- in- transit.

This also reduces the possibility of frauds.

R. 16 Bank insists on defence personnel to furnish their service

number allotted by the Controller of Defence Accounts at the time of
opening a new account. Why ?

Ans. Service number serves the purpose of identification and

avoids wrong credits in similar accounts. In case an excess amount is
withdrawn, recovery can be affected through C.D.A.

R. 17 Cheque presented after business hours are not generally

paid. Why ?
Ans. Payment of cheque presented after business hours is not
a payment in due course as per Section 10 of N.I Act, 1881, and
the bank’s interest will be jeopardised if the payment is stopped by
the drawer or drawer becomes insolvent/insane.

R. 18 Proceeds of Term Deposits, if not paid on due dates are

credited to overdue Term Deposit Account. Why ?

Ans. The contract to pay interest on Term Deposit Receipt

ceases on due date and it becomes payable with accrued interest on
demand. As such it is transferred to overdue Term Deposit Account,
where no further interest payment is involved.

R. 19 IOA shuttle/enquiry memo should be attended to

promptly. Why ?

Ans. This enables IOA department to detect frauds involving

large amount at the initial stage itself.

R. 20 Confirmation of debit balance on COS 48 is stamped.

Why ?

Ans. Balance confirmation tantamount to the admitting the

correctness of the balances, which in turn is an acknowledgement of
the debt and increases the life time of Demand Promissory Note.

R.21 The daily vouchers at the branch should be

scrutinised/crossed with care. Why ?

Ans. To ensure that vouchers have been passed correctly and

are in order in all respects. It also obviates the chances of double
payment and helps in prevention of fraud.

R. 22 A cheque payable to firm is not normally credited to

partner’s personal account. Why ?

Ans. The bank will be liable for conversion, if the payment of a

cheque is not made as a payment in due course; as the payment of a
firm’s cheque into partner’s personal account is not a payment in due
course.

R. 23 All Commercial/Scheduled Banks are required to maintain

the stipulated Cash Reserve Ratio & Statutory Liquidity Ratio. Why ?

Ans. The RBI has the control over the Scheduled Commercial
Banks and CRR & SLR are the effective tools in the hands of RBI to
regulate flow of credit as per national priorities through organised
sector like Banking. The banks are, Therefore, statutory required to
maintain SLR/CRR ,as stipulated by RBI.

R. 24 Why are the reversing entries in Branch Clearing General

Account through Schedule No 9 & 10 passed by the Branch Manager
only ?

Ans. In order to ensure correct disposal of incorrect entries

passed previously. This will reduce the protracted correspondence
between IOA Department and branches, there by saving time and
manpower.

R. 25 While granting advance against National Savings

Certificates discharge of the depositors is not necessary on the
reverse of NSC. Why ?

Ans. NSCs are got transferred in the name of lending banker

by execution of appropriate application forms prescribed by the P & T
Deptt. The holder’s signature on the transfer form is deemed
sufficient.

R. 26 While granting Gold Loans, no margin is stipulated. Why ?

Ans. The rates of advances on Gold Loans are fixed at lower

level than market rate of gold, to take into account the market
fluctuations.

R. 27 Bank is liable for any damage caused to the articles in

Safe Deposit. Why ?
Ans. Section 151 of Indian Contract Act, 1872 makes the Bank
liable for any damage caused by negligence, because the
relationship is that of bailer and bailee.

R. 28 In case of Gold Loans, ornaments can be auctioned

without resorting to Court of Law. Why ?

Ans. This is a pledge advance. Under section 172 of Indian

Contract Act, 1872, there is no necessity to go to Court of Law for
realising overdue.

R. 29 Railway Receipts enclosed to the bills are notified to

Railway Authority. Why ?

Ans. The bank is holder for value of the documentary bill.

‘Bank’s interest in the goods covered by RR should be secured.
Hence, the collecting bank notifies the Railway Authorities, its interest
in the goods and caution them against delivery to unauthorised
persons against indemnity.

R. 30 Term Deposit Receipts held in Safe Custody are renewed on

due dates, if no instructions are received from the depositors. Why ?

Ans. We hold the receipt in Safe Custody as agents and in order to

avoid the loss of interest to the depositor, it is renewed on due dates
for the same period in the absence of specific instructions from the
depositor.

R. 31 Bank insists on the complete set of ‘Bill of Lading'. Why ?

Ans. ‘Bill of lading’ is document of title to goods and the goods

are delivered on the production of any set of the original.

R. 32 Safe Deposit Articles are not sealed with the Bank’s seal.
Why ?

Ans. In case, there is any defect in the title, then the Bank
might be answerable to the true owner of the article.
R. 33 Advances against shares of Pvt. Limited Companies are
treated as unsecured advances. Why ?

Ans. The shares of Pvt. Limited Company are not authorised

security in terms of SBI Act. Moreover, the transferability of shares of
Pvt. Ltd. Companies are restricted and they are not quoted in the
stock exchange.

R. 34 Tractor loans are granted for maximum period of '9 years'

only. Why ?

Ans. The estimated working life of a tractor is considered as 9

years only, beyond which, comprehensive insurance cover is not
available, as no sufficient resale value is left to cover the Bank’s due.

R. 35 We do not give advance against Term Deposit Receipts

of other banks. Why ?

Ans. The Bank will not know the existence of prior lien to the
Term Deposit Receipt by the other banks. Since Term Deposit
Receipts are not negotiable instruments it, cannot be assigned in
favour of the lending institution. Moreover, the other bank, who has
issued Term Deposit Receipt has paramount lien on it.

R. 36 Changing an order cheque into a bearer cheque require

full signature of the drawer but the reverse is not true. Why ?

Ans. Changing order to bearer in the cheque amounts to

material alternation, while the reverse in not so.

R. 37 Credit is not afforded to the Govt. Account against a cheque,

until the proceeds are realised. Why ?

Ans. In case of non-payment of the cheque, it will be difficult for the

bank to recover the amount from the government.

R. 38 Cash remittance are accepted from Local Banks under

'Guarantee Bonds System’. Why ?
Ans. In order to afford immediate credit for the same, subject to
the subsequent examination of the remittance.

R. 39 First withdrawal on Dormant/ Inoperative Account is

referred to the Branch Manager. Why ?

Ans. To satisfy beyond doubt that the signatures of the

customer concerned are genuine and the transaction is a bonafide
one.

R. 40 The Banks grant an overdraft instead of Demand Loan

against LIC policy, shares etc. Why ?

Ans. As per State Bank of India Act, 1955, these are not
authorised securities and do not qualify for demand loans, hence
overdrafts are granted.

R. 41 A Bill of Exchange when dishonoured is got noted and

protested. Why ?

Ans. In order to procure legal evidence of the fact that Bill of

Exchange in question was dishonoured.

R. 42 Bank cannot insist upon for indemnity in case of issuing

duplicate Term Deposit Receipt if the original is lost. Why ?

Ans. Term Deposit Receipt is issued in the form of a non

transferable recipient it is not a negotiable instrument. Moreover,
Term Deposit Receipts payable at the same branch and the chances
of forgery/frauds are remote.

R. 43 Forward rates are generally worse than spot rate. Why ?

Ans. In order to cover exchange risk fluctuations and interest,

the forward rates are worse.

R. 44 In case of Demand Loan Accounts, further withdrawals

on the account are not permitted. Why ?
Ans. Any amount credited to the loan account in reduction of
borrower’s liability to the bank has the effect of permanently reducing
the original advance. Hence, any further drawing permitted in the
account will not be secured by the D.P Note, which covers the
original loan.

R. 45 In case of frauds, forgery, corruption where departmental

enquiry is contemplated relative documents and records should be
entered in the Branch Document Register. Why ?

Ans. These documents may remain on permanent record in

the custody of the BRANCH MANAGER or any other official
authorised on his behalf and ensuring the availability of such
documents in the Court of Law, as and when required to be
produced.

R. 46 Advances against gold ornaments are granted to the

properly introduced persons. Why ?

Ans. So that bank can enforce its right to recover the advance.
In case, the person tendering the Gold not the real owner of the Gold,
the Bank cannot get a right of sale, because tendered does not have
title to the ornaments.

R. 47 We do not grant loan to a minor against the security of the

Bank’s own Term Deposit Receipt. Why ?

Ans. A contract with minor is void ab-initio and the bank cannot
exercise the right of set off/lien on the security tendered by the minor.

R. 48 Safe Deposit Receipt pertaining to duplicate keys of a

branch is not kept in the branch Strong Room. Why ?

Ans. In case of urgent need & loss of keys of the branch

Strong Room, it would be impossible to present Safe Deposit Receipt
to the other branch for taking delivery of duplicate keys.

R. 49 We do not apply check signal for Telegraphic Transfer

purchase telegrams. Why ?
Ans. Telegraphic Transfer purchase does not involve any
payment to a third party at the Telegraphic Transfer receiving centre.

R. 50 Demand Promissory Notes are diarised for renewal after

2 years and 3 months from the date of their execution. Why ?

Ans. Demand Promissory Note becomes time-barred after 3

years from the date of the execution & its validity can be extended by
obtaining a revival letter before it becomes time barred. Demand
Promissory Note is diarised keeping a margin of 9 months for
obtaining a revival letter before Demand Promissory Note becomes
time barred.

RATIONALES BEHIND BANK’S IMPORTANT

INSTRUCTIONS-2
R. 1 Why do we insist to insure the goods for their full value i.e.
irrespective of the amount of the loan advanced ?

Ans The fire insurance policies contain an average clause & if the
full value of the goods is not insured, the insurance company will pay
the damages in the same proportion, in which the total value stands
to the amount insured.

R. 2 An Income Tax Refund Order can be paid, even if endorsed to

another person. Why ?

Ans. Income Tax Refund Order is a quasi-negotiable

instrument and can be endorsed & paid to another person.

R. 3 Why Executor /Administrator cannot delegate their power to the

outsiders ?

Ans. As they themselves have derived their powers from will

or letter of administration issued by the Court. Hence, they cannot
further delegate, unless & until, it is provided in the will or the letter of
administration.
R. 4 Why a Railway Receipt indicating drawee as a consignee
should not be accepted for negotiations.

Ans. In that case, the consignee can take delivery without

production of Railway Receipt.

R. 5 All staff advances are reported to the Controlling Authority.

Why ?

Ans. To have effective monitoring over these advances & also to

know whether the rules of sanction/repayment have been observed.

R. 6 When a Currency Remittance is made from a branch

maintaining Currency Chest to another branch maintaining Currency
Chest, no entries are passed. Why ?

Ans. It does not affect our internal accounting system as the

Currency Chest is the property of Reserve Bank of India.

R. 7 Why Rs 1/- notes are issued by Govt. of India, while all other
notes are issued by Reserve Bank of India ?

Ans. One Rupee is a coin and issuing a coin is a responsibility

of Govt. of India under Indian Coinage Act. No reserves are
maintained against these notes, as there is no guarantee clause.

R. 8 Gestation/ Moratorium period is given in respect of Term

Loans. Why ?

Ans. In all cases, every project takes some time to start

production and profit. To cover that period, they are given gestation
moratorium period.

R. 9 Whenever a cheque book is issued to a constituent’s

messenger, the constituent is advised directly by post, why?

Ans. This process ensures that the cheque book has reached
in the hands of the constituent, so as to avoid mis-utilisation thereof.
R. 10 Why payee’s consent is necessary, when Duplicate Drafts
are cancelled ?

Ans. Once a draft is purchased, the bank becomes trustee of

the payee. The payee's consent is obtained in order to ensure that
his claim has been settled.

R. 11 Why the payment of Telegraphic Transfer cannot be

stopped at the request of the remitter after Telegraphic Transfer has
been affected ?

Ans. Once the Telegraphic Transfer is affected, the bank

becomes trustee of the beneficiary and the relationship between the
bank and the remitter ceases.

R. 12 Why the Con-current Auditors are appointed at big

branches ?

Ans. Generally, Central Office Inspection takes places once in

12-18 months. In big branches, because of large volume of work, a
large number of irregularities crop up during this period. To pinpoint
such irregularities and get them rectified regularly in routine course,
Concurrent Auditors are posted in big branches.

R. 13 Why signatures of drawers are cancelled after payment ?

Ans. To avoid the possibility of double payment being made

through an oversight.

R. 14 Why banks do not grant advances against solid gold ?

Ans. Solid gold is trading commodity and is hoarded in this

form. As such, it is not acceptable as security. Moreover, this is also
prohibited under Gold Control Act.

R. 15 Why the keys are changed at the time of Audit/

Inspections ?

Ans. To have equal wear and tear on both the sets of keys and
levers of the lock.
R. 16 Before granting an advance against LIC policies, the last
premium, receipt is verified. Why ?

Ans. It proves that all the previous prima have already been
paid by the policy holder. Secondly, it also establishes that policy is
still in force.

R. 17 When an advance is granted against the security, delivery

letter is obtained from the borrower along with the discharged Term
Deposit Receipt. Why ?

Ans. To evidence constructive and valid delivery of pledged

receipt for the advance.

R. 18 Why are various inspections/audits conducted in the Bank ?

Ans. With a view to ensure that laid down instructions are

followed and business conducted by the branches is safe and
acceptable. There are no frauds, forgeries/manipulations and income
leakages etc.

R. 19 Why the discharge of an Income Tax Refund order is not

required to be stamped ?

Ans. Income Tax Refund order is a Negotiable Instrument by

customs and the discharge of Negotiable Instruments does not attract
stamp duty.

R. 20 Why the provision of penalty has been made in

Negotiable Instrument Act, 1881, in respect of cheque returned for
want of funds ?

Ans. With a view to cultivate business ethics, penalising

unsound banking practice and to meet the cost of handling of
returned instruments.

R. 21 Transactions on the Trust Accounts should be allowed

only after proper scrutiny. Why?
Ans. With a view to ensure that no provisions of Trust Deed
are overlooked, as these accounts are of fiduciary nature and any
violation of the provisions, may land the bank in serious trouble.

R. 22 Entries in Suspense/ Sundry/ IBIT Accounts should be

kept minimum. Why?

Ans. These are sensitive accounts. Unnecessary entries will

inflate 'Demand and Time Liabilities' of the bank artificially to higher
CRR/SLR. Moreover, entries on Suspense account have direct
bearing on Profit & Loss and timely disposal of items in this account
enables the bank to recover the amount from the parties concerned.

R. 23 Every Branch Manager should be aware of Branch’s

Market Share in business.

Ans. It helps the Branch Manager in evolving suitable

strategies for securing maximum, business, with a view to maintain
competitive position.
.
R. 24 Why Customers Relations Programmes are conducted ?

Ans. To have a feel of Customers in regard to quality of

services being rendered by the branch and to discuss also the
suggestions for further improvement.

R. 25 Gold Ornaments or article in Safe-Deposit should not be

delivered against Secession Certificate.

Ans. Succession Certificate applies only to the debts due to the

depositor or securities payable to him/her and not to the articles held
in Safe Deposit.

R. 26 Advances against 'Pledge of Goods' need not be

registered with the Register of Companies.

Ans. In term of Section 125 of Companies Act, 1956. ‘Pledge’ is a

specific and not a floating charge. Only floating charges need be
registered.
R. 27 Bank cannot grant advances against their own shares ?

Ans. It is prohibited under Banking Regulation Act, 1949 as it

tantamount to withdrawal of capital.

R. 28 Advances are not granted against partly paid shares ?

Ans. They carry with them a contingent liability of payment of

unpaid calls or else the bank will lose the security in the event of
forfeiture of shares, because of non payment of calls.

R. 29 While issuing receipt to the depositors for Safe Deposit Articles.

“Contents unknown” should invariably be written in the Safe Deposit
Receipt.

Ans. Since articles lodged for Safe Deposits are sealed by their own
seals and the bank is not aware of their contents, Bank does not take
cognizance of contents of the packets to avoid any complications at
the time of delivery of articles.

R. 30 In the case of equitable mortgage after deposit of title

deeds, a confirmation letter from the depositor regarding deposit of
title deeds is obtained by post. Why ?

Ans. Confirmation letter testifies the intention of depositor of

title deeds to create equitable mortgage of property, free from
coercion/compulsion/force.

R. 31 Banks are more secured, in case of hypothecation

advances to Limited Companies than to partnership firms. Why ?

Ans. As per section 125 of companies Act, 1956 the

registration of bank’s charges on assets of Limited Companies should
be registered with the Registrar of Companies whereas, no such
charge is registered in case of partnership firms.

R. 32 Why Advances for working capital are renewed annually,

even though they are repayable on demand. Why ?
Ans. To know adequacy of credit provided and health of
unit/advance. Also to critically analyse the level of activity/scale of
operations of unit. It is also required, as per State Bank of India Act,
1955.

R. 33 The bank insists on obtaining a resolution for opening

Current Account in the name of Limited Company. Why ?

Ans. The powers of a Company are exercised by the Board of

Directors through the resolution passed either in their meeting or in
the general body meeting of shareholders.

R. 34 Break even analysis is necessary for granting advances

to an industrial unit. Why ?

Ans. This analysis enables the bank to know, the viability of

unit and point/period beyond which the unit will start generating profit.

R. 35 Why in rephasement of Term Loans, concurrence of the

guarantor is necessary. Why ?

Ans. As per section 133 of Contract Act, any variance by the

creditor in the original set of terms and conditions of the advance with
the express consent of surety discharges him from all such
transactions, subsequent to variance. The rephasement of Term
Loan is treated as a variance in the original terms and conditions of
Term Loan. Hence, it requires consent of the guarantor.

R. 36 Dairy loan should be sanctioned for purchase of at least 2

mulch animals after an interval of 6-8 months. Why ?

Ans. To enable the borrower to meet his both ends and pay the
bank installments during the dry period of 1st cattle, as the lactation
period of cattle is not full year.

R. 37 Inspection to agriculture should be farmer-oriented and

not farm oriented. Why ?

Ans. The purpose of the inspection is not only to verify the

security charged to the Bank, but also to develop liaison with the
farmers and also to provide necessary guidance in respect of modern
techniques of Agriculture and allied activities.

R. 38 Advances to pardanashin ladies are not encouraged.

Why ?

Ans. There is inherent risk involved regarding identification, as

the pardanashin women observe complete seclusion with the people
other than the family members.

R. 39 Partnership Letter COS 37 is obtained by the bank, duly

signed by all the partners, in addition to the Partnership Deed. Why ?

Ans. Partnership Letter empowers the partners to open and

operate partnership account. Through this letter, they also undertake
to inform the bank of any change in the constitution of the firm.

R. 40 Advances against insurance policy under married

women’s property act is not granted. Why ?

Ans. The assured creates the trust of the policy taken under
the married women’s property act.

R. 41 Banks are not liable for quality/quantity of goods

imported/exported under documentary Letter of Credit opened by
them. Why ?

Ans. Under Uniform Customs and Practices for documentary

credit, banks deal in documents and not in goods.

R. 42 While creating equitable mortgage, the mortgagor does

not sign the title deed register. Why ?

Ans. In case, mortgagor signs on the title deed register, it will

amount to registered mortgage which will attract advalorem stamp
duty.

R. 43 The title deeds are sent to the bank’s advocate for

obtaining search report, before creating equitable mortgage. Why ?
Ans. To have the opinion of advocate, whether the party’s title
to the property is clear, absolute and marketable.

R. 44 Cheques drawn by a director of a company presented to

the bank after his death are paid, if otherwise in order. Why ?

Ans. A company is a corporate body with separate entity and

exists even after the death of a director. It has a perpetual
succession.

R. 45 It is always preferred to obtain the signatures of the

depositors on the pay-in -ship, in case of deposits in Loan account
.Why?

Ans. This serves the purpose of an acknowledgement of debt

by the borrower and extends the period of limitation as per the
provisions of Section 18 of Indian limitation Act, 1963.

R. 46 Although a contract with a minor is void, even then we

open accounts in the names of minors. Why ?

Ans. There is no risk involved in maintaining a deposit account

in the name of the minor, provided the balance is always in credit.
Secondly flow of deposit in the minor’s account is also not very large.
Further, to inculcate the saving habit among the minors.

R. 47 The terms and conditions of the advances are advised to

the borrower sand guarantors by means of an arrangement letter.
Why ?

Ans. So that they may not take a plea a later stage, that they
were not aware of the various terms and conditions of the loan
sanctioned/guaranteed to/by them.

R. 48 A search is made in the office of Sub-Register, regarding

registration in respect of landed property for the last 12 years only.
Why ?
Ans. Under limitation Act, 1963 the charge of mortgage is valid
only for 12 years there after, it gets time barred.

R. 49 Two signatures are obtained on D.P notes, one on the

revenue stamp and other on its side. Why ?

Ans. In the event of the revenue stamp being removed/lost, the

other signature of the borrower shall stand as an evidence of having
signed the D.P Note.

R. 50 When a clean demand loan is granted D.P note will be

executed by the guarantor in favour of the borrower, who will endorse
it in favour of the bank. Why ?

Ans. So as to make the guarantor principally liable for the

amount advanced to the borrower. This also enables the bankers to
proceed against both the borrowers and the guarantor
simultaneously, not with understanding the provisions of Indian
Contract Act, 1872.

-- K.L.Thukral, C.A.I.I.B.
P.G.D.I.M., P.G.D. (HRM)
Officer MMGS-II, Sys. Admin.
State Bank of India,
SSI Branch, Panipat (Haryana)
Tel:01662-394036(R) 09812276364(Mob)
E-mail kashmir.thukral@sbi.co.in

-- K.L.Thukral, C.A.I.I.B.
P.G.D.I.M., P.G.D. (HRM)
Officer MMGS-II, Sys. Admin.
State Bank of India,
SSI Branch, Panipat (Haryana)
Tel:01662-394036(R) 09812276364(Mob)
E-mail kashmir.thukral@sbi.co.in