Munna

Annual Audit of B/o Mannavanur 2847 as at 03.10.
2015
ANNUAL INSPECTION
REPORT
B/o Mannavanur
D.NO.2847
Tirchy-- CIRCLE
(Tamil Nadu)
By
A.Jitendra Babu
PF 107452
INTERNAL SENIOR AUDITOR
as at 03.10.2015
13.10.2015
A.Jitendra Babu
PF 107452 Internal Sr Auditor
Annual Audit of B/o Mannavanur 2847 as at 03.10.2015
The Deputy General Manager,

Zonal Audit Office,
158,,Rayala Towers, IIIrdFloor,
AnnaSalai, Chennai -600 002
Reg: Annual Inspection Report Branch Office Munnanavur as on 03.10-2015

Enclosed please find herewith the captioned report for your perusal & rectification of the irregularities
pointed out in the AIR as at 03.10.2015
Internal Senior Auditor

Encl: As above
CC: A copy of the report is forwarded to the following for their kind perusal, record
&necessary action, please.
The Circle Head,
Circle Office , Tirchy TN
Manager,
B.O. Munnanauvur 2847
For necessary action and is requested to reply the irregularities at the earliest
for early closure of the report.
InternalSr Auditor
Encl: As above
A.Jitendra Babu
13.10 .2015
CERTIFICATE OF DISCUSSIONS
It is certified that all the irregularities/observations pointed out in the AIR as at 03.10-2015 have
been discussed with the Incumbent In-charge & the concerned sections in-charge.
Sh C Subramaiam
Manager
A.JitendraBabu
107452
Internal Sr. Auditor
A.Jitendra Babu
13.10.2015
CERTIFICATE FOR CHECKING OF SECURITY
Certified that I have visited & physically checked Primary securities as

per LA circular 84/2004 during inspection and Discrepancies found, if
any, have been reported at appropriate places in the report
Int Sr Auditor
A.Jitendra Babu
ANNEXURE - 7
PUNJAB NATIONAL BANK
FORM - 1
Camp:
Munnanuvur
Date:
13.10.2015
The Deputy General Manager,
Zonal Audit Office / Inspection & Audit Division,
Chennai
Regular Audit of BO__Munnanuvur
Medium Branch
Distinctive No. : 7477

Regular Audit
Dist No
Date of opening
Circle
Date of present audit
Date of completion of audit
Date of last regular audit
Munnanuvur
2847
21.09.1990
Trichy
03.10.2015
13..10.2015
5.4..2014
Scheduled number of regular holidays

Days taken
Name of present auditor
Present incumbent in-charge
Details of present incumbent incharge
Details of previous incumbent incharge
Date of retirement of present
incumbent
03+08=11
08
A.Jitendra Babu
C.Subramanian
Posted since 01.08.2014
P Sankar
31.3.2032
I / We have conducted inspection of the branch and verified all the accounts
under different heads detailed in the Weekly Statement of Affairs (duly certified)
enclosed herewith. I/We have examined the vouchers of the date and checked
with the entries in the Cash Book/Day Book and other relative books of the
A.Jitendra Babu

branch. I/We have also examined all the books of the branch. We are satisfied
that the branch is observing all the safeguards and following all the instructions
circulated by the Head Office and prescribed in the book of Instructions. I/We
have conducted inspection of the office covering all the aspects as per guidelines
contained in the check-lists of Inspection Manual/RBIA Manual. I/We have
satisfied that systems/procedures/safeguards as prescribed are being followed.
Exceptions/ deviations, if any, in the various areas have been pointed out in the
Annexures to Control Risk Assessment Formats/other reports.
In respect of loan accounts, I am/we are satisfied that the relative advances have
been allowed and/or limits made available under proper authority and that the
accounts are being conducted in accordance with the stipulations laid down by
the sanctioning authority. The relative documents
(including Agricultural Advances) executed/renewed since the date of last
inspection have been checked and I/We find that correct forms have been taken
and these have been correctly filled/stamped, where necessary, in accordance
with the provisions of the Stamp Act. Securities have been checked in all cases
as per norms given in the manual. Balance confirmation letters have been
checked in all the loan accounts. The branch is properly maintaining the
Documents/Registers. Irregularities are detailed in Annexures to Control Risk
Assessment Formats/other reports.
3.
Non Performing Assets (NPAs)

I/We have checked the NPAs and am/are of the opinion that the branch is
taking proper and prompt action towards adjustment of these accounts.
4.
Unauthorized Business
I/we have scrutinized all the irregular/unauthorised business, if any,
conducted at the branch including DDs purchased/discounted since the
date of last inspection and have to report that no unauthorized business
has been conducted/such unauthorised business as has been conducted is
considered to have been safe and was transacted in the interest of the
Bank. Such accounts are being reported to the authorities vide control
returns and the information supplied is correct/factual. Deviations noticed
have been commented upon in Annexures to Control Risk Assessment
Formats.
5.
Safety of Current Outstandings

After a full examination of the branch business, I am/We are of the opinion
that the Branch Manager is/is not generally following a prudent policy in
the matter of allowing accommodation to parties with proper safeguards
and that a proper control is being/is not being exercised over the branch
advances.
Apart from outstandings under NPA Accounts, I am/We are satisfied that all
the current advances are safe and that no difficulty is likely to be
experienced in the recovery of the Bank dues, except where specifically
mentioned in the Annexures of Control Risk Assessment Formats.
6.
Classification of Advances
A.Jitendra Babu

I/We have verified that all loan and advances have been correctly
classified as standard, sub-standard, doubtful and loss assets as
at_3.9.2015. Provisioning has been made in terms of extant guidelines.
7.
General Comments
The Auditor will briefly comment about the overall functioning of the
branch taking into account the key areas viz. Deposit growth,
Housekeeping, Quality of Customer Service, Credit Management,
Recovery, Security Management, Computer functions, Compliance
parameters and efforts towards removal of past irregularities.
The Auditor further has to comment on Public relations and Liaison

maintained by the present Incumbent In-charge and the efforts put in by
him in all the above areas. (Use additional sheets wherever required).
The Auditor has to comment about the efforts of Incumbent In-charge in
increasing the profitability besides making the deposit mix more favourable
thereby bringing about a reduction in the cost of funds. The Auditor may also
comment on abnormal features coming to light..
The Auditor has also to comment on rectification of irregularities pointed out in
previous Audit Report dated _
Functions
Number of
Irregularities
Removed
Outstanding
Total
Total
Total
Critical
Critic
al
Critica
l
Credit
Non-Credit
Computer
Compliance
Branch
Management:
General
Security Audit
TOTAL
8.
Certificates
a) Certified that I/We have physically checked all the items of the safe, fixtures
and furniture and also checked SFF Register in terms of guidelines.
b) I/We confirm that all the outstanding irregularities of previous audit reports/
concurrent audit reports/RBI reports/Reports by statutory/branch auditors have
been incorporated in the Audit Report as advised by Circle Office.
A.Jitendra Babu

c) I/We certify that all the irregularities mentioned in the Audit Report have
been discussed personally with the Incumbent In-charge/Section In-charge and
wherever necessary, their viewpoints have been reflected in the Audit Report.
Details of major irregularities got removed and systems/procedures enforced
during the course of audit are given in the respective annexure.
d) I/We certify that, wherever applicable, the checking of Merchant Banking
Business at branch level during the period covered by the Audit has been done.
Deviations, if any, have been given by way of Annexure to Control Risk
assessment formats.
Other prescribed Certificates, in terms of Annexure 13 are invariably to be
submitted in all cases in addition to (a) to (d) above.
AUDITING OFFICER / AUDITOR
ANNEXURE- 5
PUNJAB NATIONAL BANK

BO PIRAVOM 7477
(CERTIFICATES REQUIRED TO BE SUBMITTED BY AUDITORS FOR
BRANCHES UNDER CONCURRENT# / REGULAR AUDIT)
1.
2.
3.
4.
5.
Certified that Daily record of observations/irregularities is maintained as

prescribed in the register during the review period and the entries marked
therein have been brought to the knowledge of the Incumbent In-charge
on daily basis and his initials have been obtained in the register.
#
Certified that I have checked all the daily vouchers of the branch which
were found to be correct as to the booking of the respective heads in
GL/SGL, utilization of discretionary passing and financial powers and
correctness of the number of vouchers.
Certified that verification/checking of securities has since been done by
the undersigned as per guidelines contained in Inspection Manual.
Discrepancies found, if any, have been reported at appropriate places in
the report.
It is confirmed that the branch is complying with all instructions with
regard to Know Your Customer (KYC) standards and Anti Money
Laundering (AML) measures and Cash Transactions of Rs.10 lac and
above as well as reporting of the transactions of suspicious nature etc. as
conveyed by KYC/AML Cell through its operative circulars on the subject
and other guidelines issued from time to time.
Certified that the branch is practicing the Bankers Fair Practice Code and
any deviation/non-compliance of the BFPC has been got rectified then and
there.
A.Jitendra Babu

6.
Certified that the Staff is aware of Citizen Charter and sufficient

pamphlets/hand books are available for the Customers in this regard.
7.
Certified that the interest charged in the borrowal accounts has been
checked.
8.
Legal Compliance Certificate on Schedule-I & Schedule-II in respect of
advances of Rs.10.00 lacs and above has been submitted by the Branch to
the Controlling Office. Necessary confirmation through Legal Compliance
Audit Certificate has already been sent / is being enclosed alongwith the
report.
9.
Certified that the transfer of funds from one branch to another branch is
being done through Inter-sol transaction.
10.
Certified that quality of input (i.e. accuracy in punching of data) and
validation of data by the branches have been checked by making sample
checking, say, 10% of the ladder data and the inconsistencies, if any,
observed have been conveyed to the BM under copy to Circle Office
concerned and also reported in the periodical reports.
11.
It is confirmed that guidelines of Govt. of India, Reserve Bank of India,
Board and System & Procedures prescribed by the bank are being
complied with.
12. Certified that no manual entries are being made in Pass Books.
13.
Certified that 100% checking of Forms A-1, A-2 and Bill of Entry has been
done. (Applicable only in case of Branches doing Foreign Exchange
business)
14.
Certified having checked the loss data recording registers and register for
updating operational risk losses for quarter/year _______ and found the
data/information correct. Discrepancies found, if any, are reported in a
separate Annexure.
#
15.
Certified that all outstanding irregularities of QCARs, if any, since last
Regular Audit have been carried over in the current QCAR / Regular Audit
Report.
16.
Certified that all outstanding irregularities of the previous Regular Audit
Report, if any, have been carried over in the present Regular Audit Report.
17.
Certified that Physical Verification of the Cash Balance at the branch was
conducted on -------7.9.2015---and was found correct. The Cash Balance as
on -7.9.2015-was Rs
18.
It is further confirmed that (please strike off which is not applicable):
No discrepancies have been observed.
Discrepancies observed are annexed.
19.
Certified that Banks Printed Stationery and Numbered Forms (PNB Series)
viz. Cash/Cheque Deposit Slips, AOFs, Pass Books, Agreement Forms etc.
are available in the Branches
Concurrent / Regular Auditor

These certificates are not applicable in case of Branches under Regular Audit.
A.Jitendra Babu
ANNEXURE - 6
SUMMARY NOTES
CREDIT FUNCTIONS:
Total no. of loan accounts is _538 with aggregate of Rs1920. lac.
(excluding staff loans and loans against deposit etc.)
Out of which NPA a/c are 9 with Rs.3492 lac.
The advances (excluding staff loans and loans against deposit etc.) increased by
Rs. 757_lac i.e. _65 65 %.
1. EXERCISE OF LOANING POWERS
A.Jitendra Babu

a) Loaning power exceeded by Rs.___nil_____ in ___nil_____ a/cs.
b) Overdrawings allowed beyond discretionary powers to the tune of
Rs.____ in __________ accounts
c) Clean overdrafts have been allowed in _____nil_____________ accounts
exceeding vested powers/in violation of HO guidelines.
d) Any other
2.
Responsible: S/Shri __________________ Designation ___________________

PRE-SANCTION APPRAISAL
a) KYC norms not adhered to in ___ accounts with outstanding of
Rs._______.
b) CIBIL records have not been verified in ___accounts with outstanding of
Rs._____.
c) Proper scrutiny of financial data and assessment of PBF not done in
_______ accounts.
d) CRs of borrowers/guarantors not compiled in ___1__ accounts.
e) Scrutiny of past conduct of a/cs of borrowers/guarantors not done in
_____ a/cs.
f) Any other
3.
DOCUMENTATION AND CREATION OF CHARGE

a) Necessary documents have not been obtained / executed properly in
______ accounts with outstanding of Rs._________.
b) Banks charge not registered with Registrar of Companies within
stipulated time in
________ accounts with outstanding of Rs.___________.
c) Second/Pari-passu and modification of charge is not created within the
stipulated period in ____accounts.
d) Joint registration in vehicle loans not done in _____ a/cs with o/s of
Rs._________.
e) Any other
4.
MORTGAGES
Genuineness/non encumbrance of title deeds not checked in _______
accounts with outstanding of Rs.__________. Certified copy of title deed not
obtained/ verified and kept on records in ______accounts.
IPs offered have not been properly got valued from Banks approved valuer
on Banks prescribed format in ____accounts with outstanding of
Rs._________.
BM`s visit cum valuation report of IP not held on record in ____accounts.
Site verification of IP not done independently in _____accounts.
Photograph of IPs mortgaged not obtained, as prescribed in ____accounts.
e) Equitable / Regular mortgage of IPs have not been created as per norms
in _____ accounts with outstanding of Rs.______ and related papers, title
deeds have not been obtained and filed properly in ____ accounts with
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outstanding of Rs._________.
f) Mutation of charge not done in ___accounts with outstanding of
Rs.______.
g) Any other
5.
POST-SANCTION FOLLOW UP
a) Important terms and conditions of sanction not complied in ______ a/cs
with outstanding of Rs.____.
b) Sanctioned limits (including Term Loans) have not been
renewed/reviewed in ________ accounts with outstanding of Rs.___________.
c) CRs (including NPAs) have not been renewed/reviewed in ____
accounts with outstanding of Rs.______.
d) Sales proceeds have not been routed in ____ accounts with outstanding
of Rs.___________.
e) End-use is not verified in ______ accounts with outstanding of
Rs.________.
f) Stocks / securities not being checked as per sanction / guidelines in
________ accounts with outstanding of Rs.___________.
g) Insurance is not available in _____ accounts with outstanding of
Rs._________.
h) Limitation is not available in ____ accounts with outstanding of
Rs._________.
i) Prompt action is taken / not taken in case of persisting irregular
accounts/potential NPAs.
j) Any other
ACCEPTANCE, ENDORSEMENT AND OTHER OBLIGATIONS
.
a) LGs / LCs not issued as per guidelines in _____ accounts with
outstanding of Rs._______.
b) LCs opened despite two consecutive devolvements in _____ accounts
with outstanding of Rs.________ without permission of competent authority.
c)
Any other
7.
BILLS PURCHASED / DISCOUNTED

a) Irregularities observed in ______bills purchased/discounted of
Rs._______.
b) _________IDDs over detained of Rs._______without senders consent.
c) Any other
A.Jitendra Babu

8.
FOREX CREDIT
a)
Irregularities observed in ___ export bills purchased/discounted of
Rs._____.
b)
Irregularities observed in ______import bills of Rs._______.
c)
Record of forex rates received from FEO / SPMO and reporting to
them not
maintained in _______ cases.
d)
Other irregularities observed in forex business in ____ cases of
Rs._______
e)
Any other
9.
NPA MANAGEMENT
a)
Irregularities observed in NPA identification in _____accounts of
Rs._____.
b)
There is erosion in securities charged to the Bank in _______ NPA
a/cs.
c)
NPA accounts have increased / decreased by Rs._______ (% of NPA
to total
advances _______).
d)
Reduction of NPA budget achieved/not achieved.
e)
Any other
10
.
REVENUE AUDIT IN CREDIT

Prescribed reports viz. Shortfall charges, CHGIR, PNBRPT, RAUDIT etc. not
generated & checked.
Correct interest rate/interest table codes not charged/entered in
______accounts.
Interest success and failure reports not generated.
Penal interest amounting to Rs.__________not recovered in ____accounts.
Processing fee/upfront fee/documentation charges amounting to
Rs._______not recovered in ____accounts.
Any other
11
.
OTHER OBSERVATIONS
a) SRM records / vital details not properly entered and updated in ______
a/cs.
b) Guidelines in respect of exposure to sensitive sector not observed.
A.Jitendra Babu

c)
Any other

NON-CREDIT FUNCTIONS:
1. The house-keeping of the branch has improved/deteriorated as compared to
previous Audit Report.
2. Daily Monitoring System is meticulously implemented / not implemented.
3. KYC/ AML norms are being followed/not followed.
1.
2.
BALANCING
a) The balances required to be tallied in CBS ____ are not tallied since
________.
b) O/s of overdue term deposits, RD etc. not reconciled since ___________.
c) Any other
CASH MANAGEMENT
a) Cash in hand as on date of inspection is checked physically and it
tallies with Cash Memo Register.
b) Cash (including at ATM) not kept in joint custody and checked as
prescribed.
c) Clean note policy is not being observed.
d) Any other
3.
CURRENCY CHEST FUNCTIONS

Monthly certificate in terms of GBD, HO Circular not submitted to Circle
Office.
Security Gadgets not installed/not in working order.
Balances are not tallied on daily basis with link office/RBI.
Amount of Rs.________ outstanding in Suspense register on account of
shortage/forged notes
Any other
4.
REMITTANCE IN TRANSIT
a) Prescribed safeguards not observed in remittance of cash.
b) Any other
5.
ATM
Physical checking of Cash by BM/2nd man not conducted as prescribed.
Custody of Top Chassis of ATM is not with ATM Incharge.
Keys of ATM cassettes not kept in main safe overnight.
Combination lock is not changed by new custodian during handing over/
taking over.
ATM Imprest account is not reconciled on Daily basis.
A.Jitendra Babu

ATM monthly certificate not submitted to CO as prescribed.
Any Other
6.
BANKER'S ACCOUNT AND CLEARING IMPREST ACCOUNT

a) Clearing Imprest account entries are not tallied / reconciled since
_______.
b) Imprest account of Extension Counter/Administrative Offices etc. not
tallied /
Reconciled, as prescribed.
c) Banker account entries are not tallied / reconciled since _______.
c) Any other
7.
SUSPENSE ACCOUNT
a) ________ entries of adjustable nature aggregating Rs.__________ are

outstanding in Suspense A/c over 15 days without proper follow up for
their
adjustment.
b) ________ unauthorized debits of Rs.____________ observed.
c) ________ proxy accounts entries of Rs._______ outstanding since _______.
d) Any other
8.
SUNDRIES ACCOUNT
a) Proper follow-up is not being made for adjustment of entries. Entries

of adjustable nature outstanding beyond 1 month are of Rs.___________.
b) Original vouchers of outstanding entries not kept in separate file.
c) _____ proxy accounts entries of Rs._______ outstanding since _______.
d) Any other
9.
DAILY MONITORING SYSTEM (DMS) & CHECKING OF REPORTS

Control Reports prescribed for tallying of vouchers are not generated.
Daily Monitoring System (DMS) is not meticulously implemented and all
Control reports prescribed there under were not generated/
monitored/checked daily.
Products and interest calculation not checked as per guidelines.
Interest Success and Failure Reports in Deposit Accounts and other Raudit reports not generated/checked and corrective action not taken.
Correct provision of interest accrued on deposits & advances not made.
Confirmation/authorization by the Incumbent In-charge/authorized
officials not obtained on vouchers relating to Interest Accrued Head.
Any other
10

OPENING OF DEPOSIT A/CS & KYC NORMS
A.Jitendra Babu
Total number of accounts opened since last IR _______.

a) KYC norms not observed in _______ accounts.
b) AOFs not held in _________ accounts.
c) Introduction not obtained in __________ accounts.
d) Independent verification of address not done in _______ accounts.
e) PAN /Form 60 / 61 not obtained in ________ accounts.
f) Photographs/signatures not uploaded in the system in ______
accounts.
g) Letter of Thanks not sent to introducers, who do not come personally.
h) Proper Photo based ID proof not obtained in ______accounts.
i) Correct Risk classification of Customers not done.
k) Any other
11
CONDUCT & MAINTENANCE OF ACCOUNTS & RECORDS

Transactions in newly opened accounts not monitored as prescribed.
Transactions not monitored as per AML guidelines and STR not submitted
as prescribed.
Anti-money Laundering guidelines are not being followed.
CTRs not generated/scrutinized and submitted as prescribed.
e) PNB-119 not obtained in __________ accounts.
f)
______ accounts are not transferred to Inoperative category.
g)
_______ no. of vouchers not tallied, stitched and signed by custodian
in
Voucher Register.
Prescribed safeguards for operation and maintenance of inoperative
accounts were not observed.
i)
Any other
12

SECURITY FORMS INVENTORY MANAGEMENT
a) Security forms not checked on receipt from Printing & Stationery
Deptt.
b) Security forms not kept in Fire proof cabinet/safe in strong room under
joint
custody.
c) Security forms not segregated in High Risk/Low Risk categories.
d) Daily In and Out Register/computer record (PNB 862)/record in CBS
not maintained and checked.
e) Guidelines related to Gold & Gold Coin Business not followed.
d)
Any other
13
.

BILLS FOR COLLECTION, DDs RECEIVABLE AND PARCELS
a) Follow-up of overdue outstanding bills not done.
b) _________IDBC over detained of Rs._______ without senders consent.
c) Any other
A.Jitendra Babu
14

CONDUCT OF GOVT. BUSINESS
a) All Govt. dues (direct and indirect taxes, PPF etc.) collected are not
remitted through inter-sol on the same day.
b) Prescribed certificates not obtained in _____Pension accounts.
c) Any other
15

SAFE DEPOSIT VAULT & ARTICLES / DOCUMENTS IN SAFE CUSTODY
a) Locker Holders not classified into Medium and High Risk categories.
b) _______ lease deeds of lockers not available.
c) Locks are not inter-changed in surrendered lockers as prescribed.
d) Operations in ______ lockers allowed where rent is in arrear.
e) Rent on Lockers overdue Rs.________.
f) Guidelines prescribed for safe custody of articles not followed.
g) Any other
16

CUSTOMER SERVICE
Time norms for discharging different jobs not followed.
Banks compensation policy not followed.
Instant credit of outstation/local cheques not permitted, as prescribed.
Copies of various odes not available.
Customer Service Committee not constituted and functioning, as
prescribed.
Complaint Register not maintained.
Complaints are not redressed within reasonable time to the satisfaction of
customers.
Single Window concept is not being followed.
Terminal to cashier is not provided
UV Lamp / Magnifying Glass not being used, as prescribed.
Passbook Printers are not in working condition.
Standby Printers are not available.
h) Any other

COMPUTER FUNCTIONS:
1.
ENVIRONMENTAL CONTROLS
a) UPS is used for other utilities also and not only for computer system.
b) Electrical and Data cabling not done in structured manner.
c) Earth to neutral voltage not less than 2 and not checked, as
prescribed.
d) Any other
2.
PHYSICAL CONTROLS
A.Jitendra Babu

a) Segregation of duties for maker checker concept not ensured.
b) Enabling & disabling of users, creation & deletion of users, etc. on
daily basis by DBA not done.
c) Undertaking in terms of Security Policy not obtained.
d) Any other
3.

MAINTENANCE & BUSINESS CONTINUITY CONTROLS
a) BCP guidelines are not followed properly.
b) Copy of AMC / SLA is not held.
c) Vendor is allowed to perform routine jobs & his activities are not
monitored.
d) Old data not stored properly.
e) Fall back report on hard disk is not taken, as prescribed.
f) Any other
4.

NETWORKING CONTROLS
a) Network equipments (router/switch/hub) are not placed in least
accessible area under lock and key.
b) Link down time register is not maintained and updated.
b) Internet access is given to PCs / system having critical data.
c) Any other
5.

OPERATIONAL CONTROLS
a)
b)
c)
d)
Duties of IT functions have not been allotted through Office Order.

Antivirus software not installed and updated on all PCs.
Signatures not captured and authorized on daily basis in the system.
Any other
Responsible: S/Shri ________________ Designation ___________________

COMPLIANCE FUNCTIONS:
1.
STATUS OF PREVIOUS IR
a) The previous inspection report dated _________not closed within
stipulated time of ________ months.
b) Daily / monthly / quarterly audit reports are not attended to.
c) FSI/ZTL/Very High risk items not attended/removed within the
stipulated time.
d) Legal Compliance Certificate not submitted since _________.
e) Any other
2.

SUBMISSION OF CRUCIAL RETURNS
A.Jitendra Babu

a) Statement Register/calendar of statements for Control returns not
maintained.
b) Control returns, namely __________________ not submitted in time.
c) Returns to RBI/ITO and other statutory returns not submitted timely.
d) MMC not correctly compiled and submitted in time.
e) Any other
3.

COMMUNICATION AND RESPONSE
a) Dispatch register is not properly maintained.
b) Dak receipt and disposal register is not properly maintained.
c) Correspondence from Public/RBI/HO/CO not attended to promptly.
d) Separate files for Documents and Correspondence in Borrowal
Accounts not maintained.
d) Any other
4.

REGULATORY COMPLIANCE
a) There are violations of Govt../RBI Guidelines/Directives.
b) Ghosh/Jilani/Mitra Committee recommendations not complied with.
c) Fraud Proforma not submitted, as prescribed.
d) Any other
BRANCH MANAGEMENT (GENERAL):

1.
2.
JOB KNOWLEDGE OF STAFF

a) Staff, especially on loans seat, does not have requisite/adequate
knowledge.
b) Staff is not adequately trained and does not have knowledge of
computers
system.
c) Any other
UP-KEEP OF BRANCH PREMISES
a) SFF items are not serially marked & unserviceable items not
disposed off.
b) Ambience not good and cleanliness not maintained.
c) Lease-deed not available / overdue for renewal.
d) Current-cum-old record register not maintained.
e) Old record not destroyed, as prescribed.
d) Any other
Responsible: S/Shri __________________ Designation _______________
3.
EXPENDITURES
A.Jitendra Babu
a) Financial powers have been exceeded/confirmation not obtained in

various heads as under:
i) __________________________
ii) __________________________
b) QAC not submitted to CO, as prescribed.
c) Any other
4.
PUNCTUALITY / DISCIPLINE
a) Branch is not opened in time and prescribed public hours not
observed.
b) Staff members are attending office late and leaving early.
c) Leave record is not properly maintained in HRMS.
d) Prompt/good customer service not ensured.
e) Movement, Deviation and Branch Document Registers not
maintained properly.
e) Any other
5.

ROTATION OF DUTIES & PLACEMENT OF STAFF
Duty sheet covering all aspects of CBS environment not implemented
through Office Order.
Rotation of duties not done as prescribed.
c) Services of Customer Care Officer not utilized as prescribed.
d) Any other
6.
HRMS
HRMS activities not handled, as prescribed.
Attendance in HRMS not marked by Incumbent, as prescribed.
Leave Applications not entered in HRMS on Daily basis.
Prescribed HRMS reports not generated to check discrepancies.
e) Any other
BRANCH MANAGEMENT (SECURITY):

1.
SECURITY INFRASTRUCTURE
a)
Collapsible gate and shutters are not provided on all entrances.
b)
Windows/ventilators etc. do not have strong grills/iron bars
c)
Branch safe is not embedded in RCC walls
d)
Cash safe and locker room are not segregated by wall
partition.
A.Jitendra Babu

e)
Any other

2.
SECURITY MANPOWER & EQUIPMENTS

a) Gun License is not renewed on due date in the name of Incumbent
Incharge as retainer
b) The security alarm system not working.
c) CCTV not functional for recording of 30 days.
d) Time Lock not functional.
e) Performance of duties of armed guards is not satisfactory
f) Any other
3.
SECURITY PROCEDURE
a) Branch not opening and closing as per banks guidelines.
b) Handling/control of strong room keys not as per guidelines.
c) Procedure adopted for withdrawal of cash from strong room is not
as per
Guidelines.
d) Branch not visited by Officer on Sundays and Holidays
e) Any other
5.

FIRE SAFETY
a) Electric load not as per sanction and condition of electrical wiring
and
Accessories not appropriate.
b) Proper storage system does not exist for record and stationery.
c) Adequate fire fighting system not available at the branch.
d) Any other
A.Jitendra Babu
CR1
No II man recommendations in the following a/cs : Ref: I&A 47/12
A/c No & Name
DoS
284700JB00001033
BALASANGEETHA
11-02-2015
284700JB00000966
PANDEESWARAN
284700JB00000975 DINAKARAN.M
284700JB00001097 KANNATHASAN
284700JB00001103 SUBRAMANI.N
284700JB00001024 MUTHUSELVI G
284700JB00001006 SIVAKUMAR
284700JB00000993
GOWRIKAMATCHI
284700JB00000984 AJITH
284700JB00001088 YUVARAJA
284700JB00001060 KATHIRESAN
284700JB00001079 BALAMURUGAN
284700JB00000957 NIRMALA
284700JB00001042 PRIYA
08-092014
07-112014
28-092015
30-092015
11-022015
16-122014
25-112014
25-112014
31-032015
13-032015
13-032015
26-022014
07-032015
Limit
Bal O/s
3,30,00
0.
1,61,000.
2,67,75
0.
1,15,70
0
5,23,80
0.
2,88,00
0.
3,30,00
0.
2,79,00
0.
1,62,00
0.
2,76,00
0.
1,49,60
0.
1,96,00
0.
1,96,00
0.
2,72,48
5.
1,34,50
0.
1,78,500.
1,11,155.
1,02,860.
68,000.
1,61,100.
86,000.
1,55,800.
1,38,000.
1,48,797.
51,655.
51,797.
1,39,333.
91,513.
CR 2Due diligence ( Personal Verification ) of following a/cs not done:

A/c No & Name
DoS
Limit
284700JB00000957
NIRMALA G
284700JB00001088
YUVARAJA
26-02-2014
2,72,485.
31-03-2015
1,49,600.
CR 3
PAN not obtained in the following a/cs as per extant guidelines RAD 90/15 & RAD 13/13
A.Jitendra Babu 107452 Internal Sr Auditor
284700JB00001033
BALASANGEETHA
284700JB00000966
PANDEESWARAN
284700JB00000975 DINAKARAN.M
284700JB00001097 KANNATHASAN
284700JB00001103 SUBRAMANI.N
284700JB00001024 MUTHUSELVI G
284700JB00001006 SIVAKUMAR
284700JB00000993
GOWRIKAMATCHI
284700JB00000984 AJITH
284700JB00001088 YUVARAJA
284700JB00001060 KATHIRESAN
284700JB00001079 BALAMURUGAN
284700JB00000957 NIRMALA
284700JB00001042 PRIYA
11-02-2015
08-092014
07-112014
28-092015
30-092015
11-022015
16-122014
25-112014
25-112014
31-032015
13-032015
13-032015
26-022014
07-032015
3,30,00
0.
2,67,75
0.
1,15,70
0
5,23,80
0.
2,88,00
0.
3,30,00
0.
2,79,00
0.
1,62,00
0.
2,76,00
0.
1,49,60
0.
1,96,00
0.
1,96,00
0.
2,72,48
5.
1,34,50
0.
1,61,000.
1,78,500.
1,11,155.
1,02,860.
68,000.
1,61,100.
86,000.
1,55,800.
1,38,000.
1,48,797.
51,655.
51,797.
1,39,333.
91,513.
CR4
CIBIL, not generated in the following a/cs :
Name(s)
DoS
284700JH00013779 GAYATHRI
STORE
04-01-2014
284700JH00013788 DHANABALAN
03-02-2015
284700JH00013803 RAJALINGAM
09-06-2015
284700JH00013812 ANANDH
01-07-2015
284700JH00013821 SUBRAMANI
01-07-2015
284700JH00013830
THIRUMURUGAN
11-08-2015
284700JH00013849 STALIN
19-08-2015
Limit
Bal O/s
99,000.
00
99,000.
00
68,397.
99,000.
00
99,000.
00
99,000.
00
99,000.
00
99,000.
00
97,625.
1,25,13
1.
74,363.
96,473.
1,00,55
1.
96,986.
CR 5(A) In the following a/c PNB813borrower signature not obtained

A/c No
DoS
Limit
284700JB00001051
VALLARASAN.
11-03-2015
3,93,800.00
CR5 (B)
Supplementary agreement not obtained in all edu loans of sanctioned during review period
as per extant guidelines.
CR 5(C)
A/c Nos
A) 284700JB0000109
7 KANNATHASAN S
B)
284700JB0000104
2 PRIYA
C) 284700JB0000099
3 GOWRIKAMATCHI
DoS
Limit
28-092015
5,23,800.
00
07-032015
25-112014
1,34,500.
00
1,62,000.
00
Observations
PNB 58 not executed by

BM
PNB1117 understamped
PNB 58 not witnessed

D) 284700JB0000105
1 VALLARASAN.
E) 284700JB0000103
3
BALASANGEETHA
F) 284700JB0000096
6 PANDEESWARAN
V
G) 284700JB0000101
5 LOGESHWARAN
11-032015
3,93,800.
00
PNB1117 understamped
11-022015
3,30,000.
00
PNB 1117 not executed
08-092014
2,67,750.
00
08-012015
3,16,000.
00
1,62,000.
00
PNB 1117not executed
2,76,000.
00
2,72,485.
00
H) 284700JB0000099
3 GOWRIKAMATCHI
25-11T
2014
I) 284700JB0000098
25-114 AJITH
2014
J) 284700JB0000095
26-027 NIRMALA
2014
CR6
End use not done / verified in all education loans during review period
CR 7(A) Following are the irregular a/cs with more than Rs 1 lac irregularity:
Bal O/s
A/c Nos
Irr Amt
1) 284700PA00191582
ASHKON
2) 284700JB00000276
RAJALAKSHMI.
3) 284700PA00173151
BACKIYALAKSHMI
4) 2847008800001316 GOPAL
KRISHNAN
DoS
13-082014
31-102008
26-082013
17.12.05
3,24,00
0.
3,91,20
0.
1,38,50
0.
90000
3,42,9
11.
2,44,4
03
1,68,6
12
1,19,3
06.
Limit
350000
231000
169000
119000

5) 284700PA00190918
MUTHU.
6) 284700PA00157348
GOPLAKRISHNAN
7) 284700PA00190352
MANICKAM
8) 284700PA00190592
RAJAYOKKIYAM
9) 284700PA00191139
ARULVADIVEL
26-072014
21-112012
16-072014
21-072014
01-082014
1,02,50
0.
95,000.
1,00,00
0.
95,000.
92,500.
1,10,7
20
1,08,4
55.
1,08,3
42.
1,02,7
72.
99,740
.
111000
108000
108000
103000
100000
CR7(B) Following are the irregular a/cs ,less than Rs 1 lac (Annexure enclosed):
CR 8(A)
In the following a/cs (students education a/cs ) sanctioned between year 2005 to
2007 , whereabouts are to be obtained: Ref RAD 7/15 & RAD 31/12
Limit
Name(s)
Bal O/s
1) 284700JB00000025
MATHIVANAN
2) 284700JB00000034
LOGANATHAN
3) 284700JB00000043 JAYAMANI
4) 284700JB00000070 KANNAN
5) 284700JB00000089 VASU
6) 284700JB00000098
THIAGARAJAN
7) 284700JB00000106
CHANDRAL
8) 284700JB00000115
SABAPATHY V
9) 284700JB00000124
SARASWATHI
DoS
21-112005
11-072006
05-082006
23-112006
27-062007
21-072007
25-072007
07-112007
10-112007
48,915.
a/c
35,298.
NPAa/c
NPA
35,000.00
1,30,000.0
0
51,390.
.NPA
75,000.00
2,08,750.0
0
86,848.
70,000.00
94,014.
91,200.00
1,75,227. NPA
73,900.00
78,262.
45,000.00
30,000.00
1,25,780. NPA
NPA
1,29,836. NPA
NPA
NPA
CR :8(B)
Following are the edu loan a/cs sanctioned during 2008-2011, whereabouts are
to obtained >
RAD 7/15 & RAD 31/12
Name(s)
Bal O/s
DoS
Limit

1) 284700JB00000133
C.AMBIKAPATHI
2) 284700JB00000142 R
ELAVARASAN
3) 284700JB00000151
K.SURESH
4) 284700JB00000179 VICTORIA
ARASI
5) 284700JB00000203
ANBALAGAN.
6) 284700JB00000212
ALAGASAN T P S
7) 284700JB00000221
REKKANTH.P
8) 284700JB00000249
NADESAN M C
9) 284700JB00000258
PACKIARAJ.
10)
284700JB00000267
MURUGESAN.K
11)
284700JB00000285
UMADEVI.M
12)
284700JB00000294
GNANAPRABHU.
13)
284700JB00000300
SHIVASHAKTI
14)
284700JB00000319
HARIKRISHNAN
15)
284700JB00000328
JANSIRANI.P
16)
284700JB00000337
HEMALATHA
17)
284700JB00000346
RADHIKA .
18)
284700JB00000355
SUGAPRIYA
19)
284700JB00000364
DURAIRAJ.
20)
284700JB00000407
SUTHANTHIRA
03-032008
22-032008
24-032008
24-032008
06-052008
09-052008
03-072008
22-092008
11-102008
11-102008
31-102008
03-112008
05-112008
07-112008
07-112008
08-112008
08-112008
08-112008
28-022009
16-032009
21)
JB00000416
THANGAPANDIAN.
15-062009
22)
284700JB00000434
NAGAJOTHY.
23)
284700JB00000443
SENTHIL
24)
284700JB00000452
06-072009
05-022010
08-02-
3,40,000
.
1,14,000
.
2,92,000
.
4,03,83
7.
1,44,40
1.
3,78,67
9.
46,520.
1,71,750
.
2,30,000
.
58,642.
2,25,63
4.
2,12,85
9.
95,250.
83,453.
51,000.
91,700.
65,887.
1,01,15
7
1,12,32
6.
1,49,00
0.
3,41,31
1.
2,19,62
6.
2,06,64
1.
3,51,26
9.
1,43,29
3.
1,21,98
7
40,000.
2,00,000
.
48,098.
2,39,45
8.
60,500.
80,221.
60,000.
89,141
.
39,000.
1,04,500
.
2,45,200
59,561
.
1,38,7
05.
2,61,6
NPA
NPA
NPA
NPA
NPA
NPA
NPA
NPA
95,000.
91,400.
1,24,000
2,80,000
.
1,75,700
.
3,04,850
.
3,04,070
.
91,700
NPA
NPA
NPA
NPA
NPA
NPA
NPA
NPA
NPA
NPA
NPA
NPA
NPA
NPA
NPA

GANGADEVI .
25) 284700JB00000540 KALA
K
2010
02-032011
.
1,49,000
.
96.
2,13,5
05.
NPA
CR 8(C)
In the following education loans , which are in standard category, students
whereabouts are to obtained
vide RAD Cir 31/12
1) 284700JB00000498 YUVARAJA
2) 284700JB00000629
J.MURUGAN
3) 284700JB00000638 KANMANI K
4) 284700JB00000601
MURUGESHWARI
15-022011
15-122011
15-122011
15-122011
2,14,410.
2,51,677.
3,14,200.
4,11,803.
2,52,500.
3,32,845.
1,00,000.
1,14,817.
CR 9
Ladder back up as on 30.09.2015 is not available with the branch, BM to obtain
and confirm that
Ladder data tallies with the figures of CBS. as on 30.09.2015
CR 10-A
Fresh slippage to NPA YoY
Year
No
Amt
31.03.14
189--- 86 lacs
31.03.15
240
126 lacs
Slippage is 40 lacs increase of 46%
CR 10-B
Fresh slippage to NPA YoY
Year
No
Amt
30.09.14
196 -- 85
30.09.15
259 --132

Slippage is 47 lacs increase of 55%
CR11 (A)
Following are loss assets, with more than one lac outstanding balance . where
primary security is zero.
A/c No
DoS
1) JB133
03.03.08
2) JB 814
05.03.13
3) JB142
22.03.08
Dt of NPA
403844
30.04.13
261306
30.11.14
144401
01.01.12
4) JB1803
14.02.09
5) JB319
07.11.08
6) JB364
28.02.09
295858
01.10.14
206641
30.06.13
239458
30.06.13
7) JB151
24.03.08
8) JB267
11.10.08
9) JB258
11.10.08
378679
30.06.12
112326
30.04.13
101157
30.04.13
Bal o/s

10 JB188
11.04.08
11 JB346
08.11.08
298000
30.07.13
121987
30.04.13
12JG20345
25.10.07
165524
01.01.12
CR10 (B) Following are the irregular a/cs (more than 730 days i.e. two yrs) and
not categorized as NPA s:
A/c No
DoS
Limit
Bal O/s
Irregular
(Days)
2
3
4
5
6
7
8
9
1
0
1
1
1
2
1
3
1
4
1
888
10
19.1.20
11
100000
13984
0
1340
87217
8
88131
6
19.11.0
6
17.12.0
5
90000
12900
0
11930
6
1887
88209
6
88285
6
88149
5
87226
6
88202
3
88159
2
88166
29.10.0
8
15.10.1
2
28.03.0
7
50000
67000
974
50000
59000
901
40000
48000
2404
25000
31000
1616
23.10.0
8
10.08.0
7
27.12.0
3
01.01.0
4
03.07.0
7
24.10.0
8
19.4.10
30000
45000
1005
40000
45000
2404
30000
44000
2404
45000
40000
1096
25000
35000
1158
25000
34000
2162
25000
34000
1615
26.12.0
25000
33000
1554
8861
88154
7
88205
0
88280
1
88277
90000
1309

5
1
6
1
7
1
8
1
9
2
0
2
1
2
2
2
3
2
4
2
5
2
6
2
7
2
8
2
9
3
0
3
1
3
2
3
3
7
8834
87226
6
88215
7
87268
2
87252
1
88980
88204
1
88167
1
88242
1
88234
2
88239
7
87341
4
88199
0
88226
3
88230
6
88263
4
88248
5
87342
3
9
01.12.0
3
29.11.0
7
05.11.0
8
29.11.0
7
29.11.0
7
19.02.0
4
24.10.0
8
12.10.0
7
23.02.0
9
07.01.0
9
16.02.0
9
28.06.1
2
15.10.0
8
07.11.0
8
07.11.0
8
29.06.0
9
09.03.0
9
07.07.1
2
30000
33000
1980
25000
31000
1616
20000
29000
2131
25000
26000
1782
25000
23000
1229
20000
23000
2404
20000
23000
2162
15000
23000
2404
10000
16000
1980
10000
10000
2070
75000
1280
65000
11700
0
78000
30000
41000
793
20000
28000
793
20000
27000
731
20000
26000
762
10000
14000
943
65000
65000
774
979
Total Amt
1536146

CR11(A)
Interest to be modified in all edu loans, which are below sanctioned limit of Rs Rs 4 lac RAD 52/15
& L&A 85/15 Now Intt charged is 13.50%
A/c Nos
DoS
JB00000025 MATHIVANAN
21-11-2005
284700JB00000034 LOGANATHAN
11-07-2006
Limit
Bal o/s
45,000.
30,000
.
48,915.
284700JB00000043 JAYAMANI
05-08-2006
35,000.
51,390.
284700JB00000070 KANNAN S T
284700JB00000089 VASUKI
23-11-2006
27-06-2007
1,30,00
0.
75,000.
1,25,78
0
86,848.
2,08,75
0.
1,29,83
6.
284700JB00000098 THIAGARAJAN
R
284700JB00000106
CHANDRALEKHA
284700JB00000115 SABAPATHY
284700JB00000124 SARASWATHI
284700JB00000133
C.AMBIKAPATH
284700JB00000142 R
ELAVARASAN
21-07-2007
25-07-2007
07-11-2007
10-11-2007
03-03-2008
22-03-2008
94,014.
91,200.
73,900.
1,75,22
7.
78,262.
3,40,00
0.
4,03,83
7.
1,14,00
0.
1,44,40
1.
2,92,00
0.
3,78,67
9.
284700JB00000151 K.SURESH
284700JB00000179 VICTORIA
ARAS
24-03-2008
46,520.
284700JB00000203 ANBALAGAN.
06-05-2008
1,71,75
0.
2,25,63
4.
2,30,00
0.
95,250.
51,000.
2,12,85
9
83,453.
65,887.
1,01,15
7.
1,12,32
6.
284700JB00000212 ALAGASAN
284700JB00000221 REKKANTH
284700JB00000249 NADESAN
284700JB00000258 PACKIARAJ
284700JB00000267 MURUGESAN
24-03-2008
70,000.
09-05-2008
03-07-2008
22-09-2008
11-102008
11-10-2008
95,000.
91,400.
58,642.

1,24,00
0.
2,80,00
0.
1,75,70
0.
1,49,00
0.
3,41,31
1.
2,19,62
6.
07-11-2008
3,04,85
0.
2,06,64
1.
284700JB00000328 JANSIRANI.
07-11-2008
3,04,07
0.
3,51,26
9.
284700JB00000337 HEMALATHA .
08-11-2008
91,700.
1,43,29
3.
284700JB00000346 RADHIKA .
284700JB00000355 SUGAPRIYA
08-11-2008
08-11-2008
91,700
40,000.
1,21,98
7.
48,098.
284700JB00000285 UMADEVI.
284700JB00000294
GNANAPRABHU.
284700JB00000300 SHIVASHAKTI
284700JB00000319
E.HARIKRISHNAN
284700JB00000364 DURAIRAJ.
284700JB00000391
T.KARUNANITHI
284700JB00000407
SUTHANTHIRA.
284700JB00000416
THANGAPANDIAN.
284700JB00000434 NAGAJOTHY.
284700JB00000443 SENTHIL
MURUGAN
284700JB00000452
GANGADEVI .M
254300JB00001803 EDWIN
284700JB00000188 N.PREMA
284700JB00000197
S.JEEVANANDAM
284700JB00000230
R.KARUPPASAMY
284700JB00000276 RAJALAKSHMI.
284700JB00000461 KAVITHA.
284700JB00000470 BRUNDHA.
31-10-2008
03-11-2008
05-11-2008
2,39,45
8.
09-03-2009
2,00,00
0.
3,50,00
0.
16-03-2009
60,500.
80,221.
15-06-2009
06-072009
05-022010
60,000.
89,141.
39,000.
1,04,50
0.
2,45,20
0.
3,30,00
0.
2,98,00
0.
2,30,80
0.
59,561.
1,38,70
5.
2,61,69
6.
2,80,82
8.
83,600.
3,91,20
0.
2,08,00
0.
97,500.
75,600.
2,84,38
3.
2,08,00
0.
87,740.
28-02-2009
08-02-2010
14-02-2009
11-042008
22-04-2008
25-08-2008
31-10-2008
11-02-2010
12-03-2010
30,608.
1,77,22
1.
CR 11(B)
In the following a/cs under the scheme code :CCKLY Interest has been charged @14.50%
to be modified
Name(s)
1) 2847008900000068
MAHESHWARI
2) 2847008900000077 ESWARI
3) 2847008900000086
GUNASUNDARI.
4) 2847008900000095
VAIRAMANI.
5) 2847008900000101
THANGAMMAL
6) 2847008900000110
MARIYAMMAL
7) 2847008900000129
KRISHNAVENI
8) 2847008900000138
KRISHNAMMAL
9) 2847008900000147 VITHYA .
10)
2847008900000156
MUTHUMARIY
11)
2847008900000165
DoS
23-092014
02-012015
13-022015
08-052015
19-052015
20-05-2015
27-052015
06-062015
08-062015
08-062015
08-06-
Limit
30,000.0
0
50,000.0
0
50,000.0
0
50,000.0
0
50,000.0
0
50,000.0
0
50,000.0
0
50,000.0
0
50,000.0
0
50,000.0
0
50,000.0

KALA K
12)
2847008900000174
DHANALAKSHMI
2015
16-062015
13)
2847008900000183
BHAKYALAKSHMI
14)
2847008900000192
PADMA
15)
2847008900000208
JAYAMMAL
16)
2847008900000217
PREMA J
17)
2847008900000226
PASHUPATHIAMMAL
18)
2847008900000235
SAHAYAM
19)
2847008900000244
KARPAGAM
20)
2847008900000253
VIJAYARANI M
21)
2847008900000262
SAROJA
22)
2847008900000271
VELAMMAL.
23)
2847008900000280
MANONMANI
24)
2847008900000299
NIRMALA
25)
2847008900000305
KRISHNAVENI
26)
2847008900000314
MURUGESHWARI
27)
2847008900000323
MALLIGA
28)
2847008900000332
SUDDAMANI
29)
2847008900000341
MAHARANI
30)
2847008900000350
SUMATHI
16-062015
17-062015
19-062015
24-062015
01-072015
01-072015
15-072015
17-072015
21-072015
10-082015
12-082015
12-082015
25-082015
26-082015
29-082015
09-092015
11-092015
15-092015
0
50,000.0
0
35,000.00
50,000.00
50,000.00
50,000.00
50,000.00
30,000.00
30,000.00
50,000.00
50,000.00
35,000.00
40,000.00
35,000.00
30,000.00
30,000.00
50,000.00
50,000.00
50,000.00
50,000.00
CR 11(C ) In the following a/cs under scheme code : CCOTH Interest charged is
14.50% , to be modified
Name(s)
DoS
Limit
1) 2847008700003803
24-05-
20,000.00

MAYILSAMY
2) 2847008700003812
MEENASAMY
3) 2847008700003821
VENTHARUBAN
4) 2847008700003849
PANDIARAJ
5) 2847008700003858
AYYAVU .
6) 2847008700003876
PALANISAMI M
7) 2847008700003885
ALAGAMMAL C
8) 2847008700003894 JOTHI
RAJ
9) 2847008700003900
SHANDHI
10)
2847008700003919
BALAMURUGAN
11)
2847008700003928
RAMESH
12)
2847008700003937
GOPALAKRISHNAN
13)
2847008700003946
JEYA.
14)
2847008700003955
MUTHUKANNA
15)
2847008700003964
PONNUDURAI
2014
24-052014
24-052014
24-052014
31-072014
31-102014
24-112014
17-122014
27-122014
03-012015
09-012015
22-012015
13-022015
13-032015
22-042015
16)
2847008700003973
KRISHNAN
17)
2847008700003982
MURUGESAN.
18)
2847008700003991
DHARMALINGAM
19)
2847008700004006
BALAMURUGAN
20)
2847008700004015
BALUSAMY.
21)
2847008700004024
MUTHU
22)
2847008700004042
MURUGAN
23)
2847008700004051
KAMALAKANNAN.
24)
2847008700004060
JAWAHAR LAL.
25)
2847008700004079
22-042015
24-042015
24-042015
25-042015
25-042015
06-052015
26-052015
29-052015
09-062015
12-06-
20,000.00
20,000.00
20,000.00
10,000.00
10,000.00
25,000.00
20,000.00
25,000.00
25,000.00
25,000.00
25,000.00
25,000.00
25,000.
15000
25,000.00
25,000.00
25,000.00
25,000.00
25,000.00
25,000.00
25,000.00
25,000.00
25,000.00
15,000.00

HEMALATHA
26)
2847008700004088
SUSAI RAJ
27)
2847008700004097
VELAN
28)
2847008700004103
VELAN
29)
2847008700004112
KRISHNAN
30)
2847008700004121
GOPAL
31)
2847008700004130
RANGA SAMY
2015
15-062015
15-062015
17-062015
17-062015
19-062015
19-062015
32)
2847008700004149
BAGAVATHY
33)
2847008700004158
ANNALAKSHMI.
34)
2847008700004167
RATHINAM
35)
2847008700004176
MARIYAPPAN
36)
2847008700004185
CHANDRASEKAR
37)
2847008700004194
GANAPATHI.
38)
2847008700004200
PANDIYAMMAL
39)
2847008700004219
NAGARAJAN
25,000.00
25,000.00
10,000.00
10,000.00
10,000.00
10,000.00
20-06-2015
20-06-2015
23-06-2015
23-06-2015
24-06-2015
24-06-2015
26-06-2015
26-06-2015
40)
2847008700004228 RAVI
41)
2847008700004237
MURUGAN
42)
2847008700004246
MARUTHASALAM
27-06-2015
43)
2847008700004255 MARI
44)
2847008700004264
VEERAMANI
45)
2847008700004273
RAJAGOPAL
46)
2847008700004282
VIJAYARAGAVAN
47)
2847008700004291
RAMASAMY
48)
2847008700004307
KRISHNAN
49)
2847008700004316
03-07-2015
01-07-2015
03-07-2015
06-07-2015
07-07-2015
07-07-2015
08-07-2015
08-07-2015
10-07-2015
10,000.
00
10,000.
00
10,000.
00
25,000.
00
25,000.
00
10,000.
00
25,000.
00
25,000.
00
25,000.
00
20,000.
00
10,000.
00
10,000.
00
25,000.
00
10,000.
00
25,000.
00
25,000.
00
10,000.
00
25,000.

RAMAMOORTHY.
50)
2847008700004325
SRINIVASAN
51)
2847008700004334
BACKIYAM
52)
2847008700004343
BALAKRISHNAN
13-07-2015
14-07-2015
22-07-2015
53)
2847008700004352 SADA.
54)
2847008700004361
PANDIYAN
55)
2847008700004370
MANJULA
56)
2847008700004389
SOUNDARI
57)
2847008700004398
AMAVASI
58)
2847008700004404
GANESAN
59)
2847008700004413
SENTHIKUMAR
60)
2847008700004440
RAJAGOPAL.
61)
2847008700004459
MURUGESAN .
62)
2847008700004468
C.SENTHILKUMAR
63)
2847008700004477
THANGADURAI
64)
2847008700004486
CHELLAMMAL.
65)
2847008700004495
PALANIYAMMAL.
24-07-2015
28-07-2015
05-08-2015
10-08-2015
14-08-2015
14-08-2015
19-08-2015
25-08-2015
25-08-2015
26-08-2015
26-08-2015
09-09-2015
29-09-2015
00
10,000.
00
15,000.
00
10,000.
00
15,000.
00
25,000.
00
15,000.
00
20,000.
00
10,000.
00
25,000.
00
25,000.
00
25,000.
00
25,000.
00
25,000.
00
25,000.
00
20,000.
00
25,000.
00
CR 11(D)
Interest charged under scheme code DLAGR Interest charged is 12.10%, to be
modified as per L&A18/14 & L&A 85/15
Name(s)
DoS
1) 284700PA00191582 13-08ASHKON
2014
3,24,000.0
0
2) 284700PA00196602
VELANKANNAN.
3) 284700PA00198479
KRISHNAN
2,50,000.0
0
2,43,000.0
0
13-122014
20-012015
Limit

4) 284700PA00200075
RAMESH
5) 284700PA00200215
MOUNA
6) 284700PA00203568
MURUG.
7) 284700PA00203586
ARUNAGIRI
8) 284700PA00205070
MADASWAMY
9) 284700PA00206626
THIRUMURUGAN
17-022015
20-022015
15-052015
15-052015
15-062015
14-072015
3,02,000.0
0
2,00,000.0
0
2,78,000.0
0
2,01,000.0
0
2,50,000.0
0
2,00,000.0
0
CR11(E) In the following a/cs under scheme code :TLRSB --- Correct Int not
charged
Name(s)
Intt(present)
1) 284700JH00013788
DHANABALAN
2) 284700JH00013797
ARULJOTHI
3) 284700JH00013803
RAJALINGAM
4) 284700JH00013812
ANANDH
5) 284700JH00013821
SUBRAMANI
6) 284700JH00013830
THIRUMURUGAN
7) 284700JH00013849
STALIN
DoS
03-022015
25-032015
09-062015
01-072015
01-072015
11-082015
19-082015
99,000
1,29,50
0.
Limit
14.50%
14.50%
14.50%
99,000
14.50%
99,000.
14.50%
99,000.
14.50%
99,000
99,000.
15.50%
CR11(F) In the following a/cs under scheme code :TLAKG --- Interest charged is
14.50%-to be modified
284700AM00000227
RAMAN G
DoS 17-122014
Limit
5,000.0
0
CR 11 (G) In the following a/cs : INTEREST charged is ZERO

A/c Nos & Name(s)
Bal O/s
DoS
Limit

284700JG00000183 KAMARAJ
284700JG00000217
MAGUDESWARAN
284700JG00001144 GANESH
BABU
284700JH00000018 MURUGASAN
284700JH00003060 VELRAJ K
284700JH00013025 RUKMANI
284700JH00013159 RAJASWARY
284700JH00013201
RAMANATHAN VEE
284700JH00013380 SARANYA
284700JH00013414 ESWARAN
284700JH00013201
RAMANATHAN VEE
284700NC00000019
PARAMESWARY
284700NC00000028 LAKSHMI
284700NC00000037 KRISHNAN
284700NC00000046
NAGARATHINAM
284700NA00001005
VELSRAJATHI
284700NB00001181
VELSRAJATHY
23-031999
01-102001
01-082002
20-051997
02-021999
30-052003
02-082005
17-112005
22-122006
19-022007
17-11-2005
12-032001
12-032001
12-03-2001
19-03-2001
27-04-2001
15-03-2000
50,00
0
50,00
0.
24,00
0.
10,00
0.
10,00
0.
20,00
0.
10,00
0.
20,00
0.
48,00
0.
20,00
0.
20,00
0.
50,00
0.
40,00
0.
40,00
0.
40,00
0.
26,05
0.
10,00
0.
47,699.
22,342.
17,038.
9,580.
12,254.
16,595.
4,999.
2,526.
3,925.
4,034.
2,526.
5,344.
6,169.
5,497.
6,680.
26,606.
45,127.
CR 12:
Interest success & failure reports are not being checked regularly.
NCR :1
Cash ratio is 3.17% which is beyond prescribed level
NCR 2

Sys gen cash receipt is not being issued Ref I&A 6/15
NCR3
There are 1448 a/cs cust Ids pending
NCR 4
There are __74a/cs which are 10 yrs and above Rs __1235.19
COMP1
Obselete hardware is lying in the branch for disposals
COMP2
Router is placed in the BM cabin with loose wiring
COMP 3--There is no internet facility in the Branch and net work gets disconnected due
many local conditions.
BM1
Sign Boards / name plates of employees are not thereare not there
BM2
Old unserviceable items
BM3
Premises is very dirty & stinking, requires massive renovation.
BM 4
Old records are pending destruction
BMS1
Branch has no strong room/ no door only one iron sheet type door is there which
is openable and closable with one ordinary lock.
BMS2
Cashier cabin has no night latch, at present one chain , with one weak lock is
being used for closing and opening
BMS 3

Electrical wiring is loose /shortcircuit possible
BMS 4
There is no proper storage system for old records
BMS5
Branch has no fire extinguishers
BMS6
There is no fire alarm system
BCA Items :
Nil
BCA2
BASIC DATA REGARDING THE BORROWER: ARK Sporting Goods
Name of the Borrower
M/s ARK Sporting Goods
Cust Id
LCE000852
A/c No
87-70
Asset classification
Standard
Credit Risk Rating (with date)
PNB A 31-01-2014
Constitution
Partnership
Head Office
Piravom
Branch Office /
Piravom
Whether Consortium/Multiple Advance
NA
- If consortium, name of the Leader Bank
NA
Date of last sanction and authority
27-10-2014 , Branch Head
Limit sanctioned :
2200000
Fund Based
Unit-wise & allocation
2200000
Non Fund Based of limits, if any)

NA
Date of release of limits/ enhancements
27-10-2014, Enhanced from 15

TO 22 Lacs
Limit sanctioned by other banks
NA
Activity/Line of Manufacture
Sales of Sports goods

31-032014
31-032015
Paid-up Capital
9.39
16.55
Reserves & Surplus : (As per latest available B/S

as on)
NA
NA
Accounting year
31-032013

Revaluation reserves
NA
Miscellaneous expenses/
NA
NA
Losses and other Intangible assets, if any
OPERATIONAL RESULTS:
Year
Domestic
sales
(Figures in lac)
Export
Sales
Total
Sales
Profit
201314
51.05
51.05
2.15
201415
112.65
112.65
7.96
201516
Name of the Guarantor(s) on inspection of a/c by Branch staff, RBI, any special investigation in
chronological order from the dt.of last inspection:
ASSETS & LIABILITES:
Year
Long Term
Funds/Long term
sources
31.03.2014
Long term outlays/

Non-current assets
Rs ( lacs)
Current Liabilities
Current Assets
(c)
(d)
(b)
(a)
31.03.201
4
19
28
31.03.201
5
27.15
42.4
31.03.20
16
28.4
51
POSITION OF ACCOUNTS AS ON:03.09.2015

Nature
Limit
CC Hypothecation
22
(Rs in lacs)
VOS
36.96
DP
22
Amt. o/s
Irregularity (*)
21.62
Dr
Nil
COMMENTS / OBSERVATIONS:
Internal Sr Auditor
BCA3
BASIC DATA REGARDING THE BORROWER: Azure Laboratories Pvt Ltd

Cust Id

A/c No
M/s Azure Laboratories pvt Ltd
LCE000879
87-80
Standard
64.5 28-02-2015
Constitution
Partnership
Head Office
Piravom
Branch Office /
Piravom
NA
NA
Limit sanctioned :

4000000
4000000
Fund Based
NA
28-02-2015 , Enhanced from 20 TO 40 Lacks
NA
Manufacturing of Dental materials
Accounting year
31-03-2013
31-03-2014
31-03-2015
Paid-up Capital
10
10
Reserves & Surplus : (As per latest available B/S as on)

10
.32
NA
NA
Year
Domestic
sales
2013-14
2014-15
24.66
30.43
(Figures in lac)
Export
Sales
Total
Sales
24.66
30.43
Profit
.10
.21
2015-16
Year
Long Term
Funds/Long term
sources
31.03.2014
Long term outlays/

Non-current assets
Rs ( lacs)
Current Liabilities
Current Assets
(c)
(d)
(b)
(a)
31.03.201
3
.01
3.69
17.2
23.7
31.03.201
4
.07
4.62
27
32.6
(Rs in lacs)

Nature
Limit
CC Hypothecation
42
VOS
66.05
DP
42
Amt. o/s
Irregularity (*)
41.79
Dr
Nil
Internal Sr Auditor
BCA4
BASIC DATA REGARDING THE BORROWER: Azure Laboratories Pvt Ltd
M/s Azure Laboratories pvt Ltd
Cust Id
LCE000879

IB 57
A/c No
Standard
64.5 24-02-2015
Constitution
Partnership
Head Office
Piravom
Branch Office /
Piravom
NA
NA

2000000
Limit sanctioned :
Fund
Based
2000000
NA
27-02-2015
NA
Manufacturing of Dental materials
Accounting year
31-032013
31-032014
Paid-up Capital
10
10
Reserves & Surplus : (As per latest available

B/S as on)
.10
.32
NA
NA
31-032015
Year
Domestic
sales
201314
201415
24.66
30.43
(Figures in lac)
Export
Sales
Total
Sales
24.66
30.43
Profit
.10
.21
201516
Year
Long Term
Funds/Long term
sources
31.03.2014
Long term outlays/

Non-current assets
Rs ( lacs)
Current Liabilities
Current Assets
(c)
(d)
(b)
(a)
31.03.201
3
.01
3.69
17.2
23.7
31.03.201
4
.07
4.62
27
32.6
(Rs in lacs)

Nature
Limit
Term Loan
20
VOS
45
DP
20
Amt. o/s
Irregularity (*)
19.28
Dr
Nil
Internal Sr Auditor
BCA5
BASIC DATA REGARDING THE BORROWER: ELDHO MATHEW
Eldho Mathew
Cust Id
LCE000239
A/c No
ND 29
Standard
PNB A3 15-02-2014
Constitution
Individual
Head Office
Piravom
Branch Office /
Piravom
NA
NA
19-02-2014, Circle Office
Limit sanctioned :
12500000
Fund
Based
12500000
NA
19-02-2014
NA
TO construct Shopping Complex
Accounting year
Paid-up Capital
B/S as on)
31-032014
98.56
31-032015
120.46
31-032016
147.16

Year
Domestic
sales
201314
NA
201415
57.93
201516
58.62
(Figures in lac)
Export
Sales
Total
Sales
Profit
NA
NA
NA
57.93
16.56
58.62
21.90
** The above are receipts not sales figures**

Year
Long Term
Funds/Long term
sources
31.03.2014
Rs ( lacs)
Long term outlays/

Non-current assets
Current Liabilities
(b)
Current
Assets
(c)
(a)
(d)
31.03.201
4
125
222
31.03.201
5
100
220
20.00
13.23
31.03.20
16*
75
210
20.00
28.89
Projected

Nature
Limit
CC Hypothecation
125
(Rs in lacs)
VOS
310
Internal Sr Auditor
DP
57
Amt. o/s
Irregularity (*)
56.77
Nil
BCA6
BASIC DATA REGARDING THE BORROWER:J and B Traders
M/s J and B Traders
Cust Id
LCE000856
A/c No
87-110
Standard
PNB A3 14-07-2015
Constitution
Partnership
Head Office
Piravom
Branch Office /
Piravom
NA
NA
Limit sanctioned :
2500000
Fund
Based
2500000

NA
11-07-2015 , Renewed for 1 more

year
NA
Wholesaler of Beds and Matress
Accounting year
31-032013
31-032015
Paid-up Capital
NA
14.1
19.2

B/S as on)
NA
NA
NA
31032016
NA
NA
NA
Year
Domestic
sales
Export
Sales
(Figures in lac)
Total
Sales
Profit
201314
201415
201516
177.74
220
0
0
177.74
220
2.12
3.38
Year
Long Term
31.03.2014
Long term outlays/
Rs ( lacs)
Current Liabilities
Current Assets

Funds/Long term
sources
Non-current assets
(b)
(c)
(a)
(d)
31.03.201
4
31.03.201
5
31.03.20
16
1.14
50.53
28.4

Nature
Limit
CC Hypothecation
25
64.77
(Rs in lacs)
VOS
99.75
Internal Sr Auditor
51
DP
25
Amt. o/s
Irregularity (*)
23.27
Dr
Nil
BCA7
BASIC DATA REGARDING THE BORROWER:Pack Art Industreis
Pack Art Industries
Cust Id
LCE001479
A/c No
IB 127
Standard
PNB B1 09-12-2014
Constitution
Partnership
Head Office
Piravom
Branch Office /
Piravom
NA
NA

2600000
Limit sanctioned :
Fund
Based
2600000

NA

05-01-2015
NA
Manufacturing of Corrugated Carton

Boxes
31-032014
Accounting year
31-032015
31-032016
21.46
Paid-up Capital
6.56

B/S as on)
NA
Year
Domestic
sales
201314
201415
201516
NA
NA
113.40
Export
Sales
(Figures in lac)
Total
Sales
Profit
NA
NA
NA
NA
NA
NA
113.40
2.77

Year
Long Term
Funds/Long term
sources
31.03.2014
Rs ( lacs)
Long term outlays/

Non-current assets
Current Liabilities
Current Assets
(c)
(d)
(b)
(a)
31.03.201 NA
4
NA
NA
NA
31.03.201 NA
5
NA
NA
NA
31.03.20
16
22.42
10.2

Nature
Limit
Hypothecation of
Stock
26
(Rs in lacs)
VOS
30
Internal Sr Auditor
22
DP
26
Amt. o/s
Irregularity (*)
25.24
Nil
BCA8
BASIC DATA REGARDING THE BORROWER: M/s Piravom Hardwares
M/s Piravom Hardwares
Cust Id
LCE000721
A/c No
87-40
Standard
PNB A4 25-08-2015
Constitution
Partnership
Head Office
Piravom
Branch Office /
Piravom
NA
NA
Limit sanctioned :
2500000
Fund Based

2500000

NA
01-10-2013
NA
Retail Trade of Hardware ,

Paints
31-032013
Accounting year
31-032014
310320
15
31.
26
Paid-up Capital
1072170
1120600
Reserves & Surplus : (As per latest available B/S as

on)
NA
NA
NA
NA
Year
Domestic
sales
201314
2014-
130
151.08
(Figures in lac)
Export
Sales
Total
Sales
130
151.08
Profit
6.65
6.94
NA
NA

15
201516
175
175
8.59
Year
Long Term
Funds/Long term
sources
31.03.2014
Rs ( lacs)
Long term outlays/

Non-current assets
Current Liabilities
Current Assets
(c)
(d)
(b)
(a)
31.03.201
4
5.15
25
48.77
31.03.20
15
0.05
25
52.51
31.03.20
16
0.05
25

Nature
CC Hypothecation
Limit
25
(Rs in lacs)
VOS
52.44
53.71
DP
25
Amt. o/s
Irregularity (*)
20.71
Dr
Nil
Internal Sr Auditor
BCA9
BASIC DATA REGARDING THE BORROWER:St Pauls Bethany School Trust
St: Pauls Bethany School Trust
Cust Id
LCE001479
A/c No
ND10
Standard
PNB A3 15-03-2015
Constitution
Trust
Head Office
Piravom
Branch Office /
Piravom
NA

NA
20.03.2013 , Circle Office
Limit sanctioned :
15000000
Fund Based
15000000
NA
20-03-2013
NA
TO Purchase Land for School

Play Ground
Accounting year
31-032013
Paid-up Capital
115
Reserves & Surplus : (As per latest available B/S as

on)
26.41
Year
Domestic
sales
2013-
711.79
Export
Sales
0
(Figures in lac)
Total
Sales
711.79
Profit
NA
31-032014
31032016

14
201415
201516
** The above are receipts not sales figures**

Year
Long Term
Funds/Long term
sources
31.03.2014
Rs ( lacs)
Long term outlays/

Non-current assets
Current Liabilities
Current Assets
(c)
(d)
(b)
(a)
31.03.201 0
3
3.56
15.70
31.03.201 NA
4
NA
NA
NA
31.03.20
15

Nature
CC Hypothecation
Limit
150
VOS
301
(Rs in lacs)
DP
119
Amt. o/s
Irregularity (*)
118.96
Nil

Internal Sr Auditor
BCA10
BASIC DATA REGARDING THE BORROWER:M/s Tile and Tiles
M/s Tile & Tiles
Cust Id
LCE000575
A/c No
87-30
Standard

Constitution
Partnership
Head Office
Piravom
Branch Office /
Onakkoor
NA
NA

2000000
Limit sanctioned :
Fund
Based
2000000
NA

23-04-2015 ,10 Lakhs to 20

Lakhs
NA
Accounting year
31032013
31-032014
31-032015
Paid-up Capital
1072170
11206
00
2100538

B/S as on)
NA
NA
NA
NA
NA
Year
Domestic
Export
(Figures in lac)
Total
Profit
NA
201314
sales
Sales
Sales
38.63
38.63
201415
184.8
184.8
201516
250
250
1.94
4.7
5.32
Year
Long Term
Funds/Long term
sources
31.03.2014
Rs ( lacs)
Long term outlays/

Non-current assets
Current Liabilities
Current Assets
(c)
(d)
(b)
(a)
2013-14
2.29
8.42
31.03.20
15
18.06
32.16
31.03.20
16
20

Nature
CC Hypothecation
Limit
20
(Rs in lacs)
VOS
62.87
37.13
DP
20
Amt. o/s
Irregularity (*)
14.09
Dr
Nil
Internal Sr Auditor
-----
ANNEXURE 9
RajbhashaVibhag, Head Office
, , -110008
RajenderBhawan, Rajender Place, New Delhi-110008
-
Use of Hindi in the Bank-Inspection Report of Branches
1
2
3
/Date of inspection
/Inspecting Officer

Name of the Branch and full address

4
5
07.09.2015
A.JitendraBabu (107452)
Mannavanur , Nera CS Wool Research Bld

Kodaikanal TN PIN 624103
Trichy --- TN
Name of the concerned circle office

,
, ,
?
Whether letters, applications,
representations, appeals etc. received
or signed in Hindi are replied to in Hindi.
Yes
6
7
Percentage of Hindi correspondence in

Hindi.
-

(

) ?
Whether Office Orders are issued
Bilingually i.e. in Hindi and Englishand
whether proper record of the same is
maintained (Thiswould include orders of
permanent
nature
only..Orders
of
temporary nature like arrangements etc.
shall not be included in this).
8()

( )
?
()
9
Whether Master Register related to use

(as directed)is updated in the Branch.
, ?
If yes, whether up-to-date information are available in
it.
/ :
Hindi
English
No Badges
Hindi-English
Languages mainly usedfor noting on files/letters etc.

10
11
Position regarding the following

/Sign Board
/Notice Boards
/Name Plates
/Rubber Stamps
/
Any other Banner/Board etc.
/Letter Heads
/Invitation Cards
/Visiting Cards
12
Languages used in Badges on Uniforms of Sub-staff

?
Whether Car plates are bilingual
13
Position regarding entries in registers ofthe Branch
Bilingual
Total no. of employeesknowing Hindi typing/

stenography
/
15
()
NA
NIL
()
NIL
()
Out of the above, no. of computers equipped with

Hindi Software/
%age of work being done in Hindi on these Computers
Whether Bilingual screen coversion software is

installed in all the systems and the CBS and HRMS
screens used by the staff members are bilingual.
, , ( )
16
Language used for writing headings on cover of files,

registers, ledgers etc.
Engli
In English
In mixed langu
/Typists
/Stenographers NA
( )
Hindi
/Total registers
/En

-
Out of these, the number of

typists/StenosusedforHindi typing/stenography work?
..
Total no. of PCs in use
NA
In Hindi
14
Trilingual

17
Whether quarterlyHindi progress reports are regularly

sent to Circle Office?
18
19

? ,
Whether record of information given in quarterly

reports maintained? If not, what are the reasons?
( ) ?

?
,
Whether Hindi Motivator is nominated in the Branch?

If yes, is he leading active role in increasing the use of
Hindi in the Branch?
.. ?
20
21
22
23
Whether Official Language Implementation Committee

is constituted in the Branch? If yes, whether quarterly
meetings are regularly held and minutes of the
meeting are sent to Circle Office?
Whether any check points have been made to ensure

compliance of Official Language Policy? If yes, give
brief details, if not, what are the reasons thereof?
,
Specific/Important achievements, if any
:
Remarks of Inspecting Officer(Overall valuation of use

of Hindi in the Office)
Sr Internal Auditor
All staff do not understand hindi.
DETAILS OF OBSERVATIONS GOT RECTIFIED DURING THE PERIOD OF AUDIT

NCR FUNCTIONS
In 197 SB a/cs opened during the review period signatures were got done in
AOFs.
In 167 SB a/cs opened during review period risk categorization was got done in
AOFs
In 363 SB a/cs opened during review period photos were got attested.
In 121 SB a/cs photos & Ids were got verified
In 4 CA a/cs officer signature obtained on AOF
Internal Sr Auditor
.
.
13.10.2015
The Deputy General Manager
Zonal Audit Office
781-785Rayala Towers
IIIrdFloorAnnaSalai
Chennai -600 002
Reg: Confirmation regarding obtention of consent from Borrowers.Guarantors.Co-obligants in

all borrowal account of the Bank for Period Ended 03.10..2015
We confirm that the system of obtaining consent clause in borrowal accounts as per the terms of
Loans and Advances Circular No. 100 dated 23.01.02 issued by CPRMD has been implemented and
the irregularities observed in any borrowal account on this score is being pointed out.commented
through regular annual inspection report of respective branches.
Internal Sr Auditor
SWOT ANALYSIS
STRENGTH (POSITIVE ASPECTS OF THE BRANCH)
Branch is situated on the main road

No NPA a/cs
WEAKNESSES (NEGATIVE ASPECTS OF THE BRANCH)

This area is over banked with 11 banks including post office.
OPPORTUNITIES (POTENTIALS AVAILABLE TO THE BRANCH)

Housing & Car loans potential is very high.
(a)Opportunities : Gold loans,housing loans ,can be increased
(b)Threats: Heavy competetion from local cooperative banks in attracting deposts.

Recently, ICICIC , SBI and Bank of Baroda have opened their branches.
Internal Sr Auditor
ANNEXURE -8
REPORT ON CUSTOMER SERVICE
Date of Inspection.Visit 7.9.2015
I.
Name of the Office : Mannavanur 2847
II.
Name of present Incumbent In charge Sh C. Cubramanian Manager since
III.
Whether staff provided to the branch is as per the sanctioned strength? Yes
IV.
Date of opening of the office --
V.
Category of branch :
Large
A.
GENERAL INFORMATION
A.1
Whether branch starts its functioning 15 minutes prior to business

hours enabling the staff to settle on counters well within the stipulated
time frame?
Yes.No
Yes
(For metropolitan & urban branches).

In case this is implemented in semi-urban.rural branches please
indicate.
A.2
Are all the customers who enter the Banking hall before the close of
business hours being attended to?
Yes
A.3
Whether any counter affecting Customer Service ever remains

unattended during the business hours? If so give brief comments.
No
A.4
Whether all employees have been supplied

with
plates
for
display? Whether sub-staff is using name badges on their person?
No
A.5
Whether Incumbent In charge is periodically rotating the duties of staff

as per guidelines?
Yes
B.1
CUSTOMER SERVICE FUNCTIONAL ASPECTS
Is the normal time taken for the following services:

S.
No.
1.
Activity (norms in brackets)

For encashment of a cheque
As per norms
2.
3.
through teller (3 to 8 minutes)

through cashier (8 to 15 minutes)
Receipt of cash (depending upon denominations) (10 to
minutes)
Time taken at
branch
For issuance of
Demand draft
As per norms
As per norms
Remittances
Traveller cheques
Term deposit receipt
(15 to 25 minutes)
4.
Payment of demand draft (15 to minutes)
As per norms
5.
Payment of term deposit receipt (15 to minutes)
As per norms
6.
Opening of an account ( to 25 minutes)
As per norms
7.
Retirement of bills ( to 30 minutes)
As per norms
8.
Completion of pass books (for a few entries) (5 to 15 minutes)
As per norms
9.
Issue of Cheque Book (within 15 minutes)
As per norms
10.
Statement of account (within 7 days from due date)
As per norms
11.
Collection of cheques Local (1 to 3 days)
As per norms
Outstation:
a) for metro.state capital (within 10 days)

b) for other areas (within 14 days)
B.2
Is the branch having adequate provision.proper display for following:
Customer Service Cards adequate provision and display
Yes
Complaints-cum-Suggestion Box provision
May I Help You counters (where applicable) and Enquiry counters at

others
N.A. (Single
Window)
Indicator Boards regarding Work counters
N.A.
Display of poster of norms regarding common customer transactions
NO
No
i)
Display of poster of availability of nomination facility in
deposit account articles in safe custody and safe deposit vaults.
ii)
Whether written refusal of customers is taken where he.she
does not want to make nomination.
Yes
Yes
Display of poster regarding system of appeal to Regional.Zonal

Managers along with their addresses.
Yes
viii)
Display of poster regarding system of personal

Regional.Zonal Managers on 15th of every month.
by
Yes
ix
Display of poster for acceptance of direct.indirect taxes (wherever

applicable).
Yes
x)
Display of poster for exchange of mutilated.soiled notes (wherever

applicable).
Yes
xi)
Display of posters regarding various Deposit Schemes of the Bank.
Yes
B.3
hearing
Comment on the following:
Updating of pass books.statement of account with correct &

legible particulars.
Yes
Pass books if any lying pending at the branch.
No
Whether receipts.paper tokens (PNB 649) are issued if pass

books are retained overnight for completion.
N.A.
Compliance of standing instructions delay if any.
No
Acceptance of small denomination notes by the cashier staff

for issuance of drafts and otherwise.
Yes
Compliance of customers request for transferring of account

from one office to another.
Yes
Exchange of soiled. Mutilated notes as per RBI guidelines

(wherever applicable).
Yes
Whether interest at prescribed rate is paid to the customers for delayed
B.4
Yes

credit of TTs?
Whether branch allows interest at prescribed rates for delays in

collection of outstation cheques beyond 10.14 days as laid down?
Yes
Whether interest at prescribed rate is paid for delayed credit of TPOs

(Mail Transfers)?
Yes
Whether branch allows interest at prescribed rate for delayed payment

of bills?
Yes
Whether Drawers instructions regarding detention of bills are generally

followed at the office?
Yes
Whether dishonored instruments are returned.dispatched to the

customers within 24 hours where required?
Yes
Whether the facilities of immediate credit of outstation

cheques.localchequesupto Rs.15000.- are made available to eligible
customers on request.
Yes
Whether courier service is made use of if available for facilitating quick

clearance of outstation instruments?
Yes
Whether loan proposals are being simultaneously submitted to

sanctioning authority and the intermediate.controlling offices and
queries if any are raised with the borrowers at one time?
Yes
B.5
Examine following registers and give remarks.comments on disposal of cases relating to these
registers:-
Register of complaints received and disposed of
Yes
Register of disposal of claim cases
Yes
Register of loan proposals received and disposed of (including SSI

advances)
Yes
Register for rejected loan proposals
Yes
C.
CUSTOMER SERVICE - ATTITUDINAL ASPECTS
What is the general attitude of staff members towards customers.
Whether any restrictive practices are indulged in at the office? If yes

give comments.
What do the customers think of the quality of customer service (after

interviewing few customers). If unsatisfactory give brief comments.
Whether opening of new accounts is encouraged and proper guidance

is imparted to customers about suitability of various deposit schemes?
Polite
No
No
Yes
Whether customers queries are promptly attended to by the staff

members.
Yes
Whether grievances of customers (verbal or written) are promptly

redressed as per laid down time schedule and suitable steps taken to
identify complaint prone areas and for initiating corrective measures?
Yes
Whether customer service committee is functioning at the branch on

prescribed lines and selected sample of customers are invited once in a
quarter.
Yes
Whether Customer Day is observed on 15 th of every month and action

points suitably dealt with?
Yes
Whether advices for Debit . Credit to accounts are sent as laid down?
Yes
Whether advance instructions are taken from depositor for automatic

renewal of the deposit on maturity or whether advance intimation is sent
to customers for renewal (on form No. PNB 429)?
Yes
Are you satisfied with the quality of customer service rendered at the
branch?
Yes
D.
PHYSICAL ASPECTS
Whether there is adequate sitting space for customers and proper

arrangements for lighting and drinking water.
Yes
In case of the existing office premises are insufficient and.or furniture

requires renovations advise the steps being taken to remove the
deficiencies.
New
Whether cleanliness is maintained at the premises?
Yes
(SIGNATURE)
ANNEXURE 10
HRMAUD 1.01 VERSION

HUMAN RESOURCE MANAGEMENT AUDIT (HRM AUDIT) MODULE FOR BRANCHES
BRANCH INFORMATION
a. HRM Audit Report as on
b. Previous Date of Audit
NA
17.3.2014
Name of Branch & Distinctive No.
Date of Opening
Category (S. M. L. VLB. ELB)
Mannavanur 2847
Medium (as P&D)
Area (R. SU. U. Metro)
Rural
Circle Office
Trichy
II.HR POSITION AS AT 7.9.2015

Sl.
No.
1
2
Designation
Incumbent
2nd Man
Scale
Incharge
III
I
Sanctioned
Staff
Strength
Staff
Strength
Working
(Auditor to comment on
pendency of staff strength
proposal gaps in actual and
approved strength views of
Incumbent & Circle Head)
1
1
Auditors Observations
Date of last sanction of staff

strength:___Not
available
with branch

3
Other Officers.
III
Supervisory
Staff
Spl.Asstt.
Clerical Staff
Subordinate Staff
Sweepers:
1PTS
1PTS
Full. Part Time

Consolidated Wages Basis
:1:
III.HRMS ACTIVITIES
Parameters
Yes.
No
HRMS activities are being handled by the

authorised staff member(s) .officer(s) only
and the pass word is not compromised.
i) Attendance Register is properly maintained
and kept in the custody of Incumbent
Incharge. Authorised Official.
ii) Attendance is marked in HRMS within 30
minutes from schedule working hours by
the Incumbent.
YES
iii) Daily
maintained.
arrangement
Register
YES
YES
is

(Whether the report showing dates for
which attendance is not marked is being
generated
and
proper
control
exercised?)
YES
i) Leave applications are duly sanctioned

entered in leave register. HRMS on day to
day basis and filed properly.
ii) Employees are submitting their leave
through HRMS.
YES
iii) Short Leave is allowed by the

competent authority and proper record is
maintained.
i) Salary Amendments on account of loan
deductions (including PF loans) AGI
HRR.FRR etc. are carried out in HRMS
after getting approval of competent
authority and proper record thereof is
maintained.
ii) Employee wise record of deductions
from the salary is maintained monitored
and updated regularly.
iii) Monthly Certificate of Incumbent for
having paid the salary as per HRMS is
invariably held on record.
YES
YES
YES
YES
YES
YES
:2:
Parameters
Yes.
No
All day to day activities are being

performed by the branch in terms of
HRDD: HO Circulars (Presently HRDD
Cir 508 dated 14.01.09)
Following HRMS Reports are being
generated to check discrepancies:
Monthly absence exception report
Officiating Exception Report
Expenditure Reports of:

Newspaper reimbursement
Petrol Reimbursement- Scale-IV
Petrol Reimbursement- Sr. Officers
Conveyance. Petrol Reimbursement
Residential Phone Reimbursement
Washing Allowance Reimbursement
YES
YES

Query Tools are being used by the Incumbent
to monitor following activities:
Leave submitted but not approved
Medical Aid Paid
TA Bills Paid
Details of expenditure entered but not
approved in the system head wise i.e.
conveyance sumptuary TA Bill etc.
YES
IV. HR PROFICIENCY
Parameters
i) Training Profile of all staff members is
maintained and their knowledge is
updated by deputing them to various
training programmes regularly.
Training requirements of the branch are
submitted to Circle Office.
Yes.
No
YES
YES
:3:
Parameters
i) CBS training have been provided to all

staff members and they are capable of
handling CBS operations Internet NEFT.
RTGS Debit Card etc. and other
exigencies.
Sufficient number of staff members
including Incumbent Incharge. Authorised
Officer has been provided HRMS training.
The branch has been provided with
adequate number of credit trained officials
(Foreign Exchange trained wherever
required) and clerical staff.
The officials given Intensive . Specialised
Training are utilized in their specialized
field.
No. of Officials having Intensive.
Yes.
No
No
Yes
No

Specialised Training
: NIL
Except exigencies specialized staff like

CCOs Recovery Officials DBAs Head
Cashiers and Guards etc. is used for
assigned jobs only.
V.OTHER HR CONTROLS
Parameters
Yes.
No
Creation. Deletion of USER-IDs in
Yes
CBS and Assignment. Disabling

of HRMS User IDs is being done
with the specific permission of
Incumbent Incharge and proper
record is maintained
Proper record for passwords
change in password and secrecy
of password is maintained.
YES
yes
:4:
Parameters
i) Duty-Sheet is implemented
through Office Order and the
duties have been assigned
covering all aspects of CBS
environment like maker-checker
separate IDs for DBA functions
and financial transactions etc. The
branch is maintaining proper
record of duty-sheets.
ii) Duties are rotated at prescribed
intervals with complete detail of
duties and staff members are
performing their assigned duties.
Yes.
No
YES

Mandatory availment of leave by YES
staff is complied with.

i)
Movement
Register
is
maintained and movement of
officers is duly authorized.
ii) Deviation Register is properly
maintained.
The staff is being involved in all
branch matters and there are no

signs of strenuous relationship
amongst staff members persisting
for longer period.
Vendor . Outsider are not allowed
to perform the job of banks staff
such as interest calculation cash
receipt etc.
The record of expenses like salary
TA Bills etc. where post audit is
required is properly maintained
and recoveries if any are made
immediately after post audit.
Yes
Yes
YES
YES
YES
:5:
Parameters
Yes.No
HR related expenses heads which

are not permissible to the branches
are not debited to their revenue. To
quote staff welfare expenses.
i) Wherever applicable lien has been
got marked on terminal dues with
PF Department.
ii) The terminal dues proposals of
staff are submitted in time.
YES
Reimbursement
of
expenses
incurred for providing dinner.
refreshment to the officers who are
required to work late on week days
and payment of Diem Allowance for
working on Sunday.holiday is made
with the approval of competent
authority and proper record thereof
is maintained.
YES
YES

Duly approved overtime has been
YES
paid to the workman staff and

proper record thereof is maintained.
VI.ENTITLEMENTS OF STAFF. OFFICERS

Heads of A.Cs Debited in
CBS
Medical Aid
(104)
Leave Fare Concession
(10421)
Activities captured in
HRMS. Other Activities
- Fixed Medical
(Auditors to comment upon the
control
being
exercised
on
expenses
the
method
and
periodicity of reconciling expenses
with revenue heads)
As per entitlement
- Hospitalisation
-Fare Reimbursement
As per entitlement
-LFC Encashment
Uniform (10425)
-Reimbursement
for
purchase and stitching of
cloth
As per entitlement
Telephone (11130)
-Telephone
branch
Control is being exercised
charges
of
-Reimbursement
telephone charges
residence of officers
of
at
:6:
Heads of A.Cs Debited in
CBS
Activities captured in
HRMS. Other Activities
(Auditors to comment upon the
control
being
exercised
on
expenses
the
method
and
periodicity of reconciling expenses
with revenue heads)

Subscription
Papers and
(11412)
to
News
Periodicals
Conveyance Charges
(11414)
-News
Office
Papers
etc.
in
-News Paper etc. at the

residence
of
officers.
other staff members
-Reimbursement
of
Conveyance expenses to:
a) Sr Officers
b) Scale-IV
c) Other Officers
-Local
conveyance
charges to other staff
members
-Local
Conveyance
charges for clearing
Club Fees (114)
-Reimbursement
of
membership fees to Sr.
Officers Scale-IV and
eligible Scale III Officers.
Manager Powers
Control is being excercised
Sumptuary (11421)
Sumptuary to Officers
As per entitlement
Other Expenses (11426)
-Purchase of Brief Case

for Officers
- Silver Jubilee Award

VII.CREDIT FACILITIES EXTENDED TO STAFF MEMBERS
Nature of Facility
Parameters
Festival
Advance
Clean OD
Facility
Yes . No
Sanction
of
Competent
Authority held on record
All terms and conditions of
the scheme complied with
In case of Clean OD Facility
salary is credited in OD
Account only.
yes
Yes
yes
:7:

Nature of Facility
Festival
Advance
Clean OD
Facility
Yes . No
Parameters
Clean OD Facility is not

availed by retired employees
Clean OD limit is not
overdrawn
during
review
period. If overdrawn quote the
number of instances authority
reasons for overdrawing and
how it was adjusted.
CONCLUSION
YES
YES
GENERAL COMMENTS OF AUDITOR ON HR MANAGEMENT

Overall activities of Branch HRMS are satisfactory.
SUGGESTIONS FOR IMPROVEMENT IF ANY: BM to increase loan portfolio & reduce NPAs
AUDITORS SIGNATURE
Dated13.10.2015
The Deputy General Manager

Zonal Audit Office
IIIrd Floor
Anna Salai
Chennai 600 002
Reg: Compliance Certificate in respect of KYC norms and adherence to the guidelines on
prevention of money laundering for the period ended 03.10.2015
It is confirmed that the branch is complying all instruction with regard to Know Your Customer
norms and Cash Transactions of Rs10.00 Lacs and above (except reported in Annual Inspection

report.concurrent audit reports) as well as reporting of transactions of suspicious nature as detailed in
Circular No. 8.02 dated 08.05.02 Circular No. 9.02 dated 25.02.02 issued to all offices and Circular
letter No. 31.02 dated 01.02.02 issued to all Concurrent/ Internal Auditors.
Sr. Internal Auditor
Dt13.10.2015
The Dy General Manager

Zonal Audit Office

IIIrdFloorAnnaSalai
Chennai 600 002
I hereby certify that I have checked the records of the BO:Mannavunur and confirm that the Incumbent
In-charge has submitted the Legal Compliance Certificates to the competent authority along with the
schedule I and II in respect of all the accounts where credit facilities of Rs10 Lacs& above (Both fund
based and non fund based) have been sanctioned renewed or enhanced:
Sr. Internal Auditor
CERTIFICATE IN TERMS OF IAD CIRCULAR LETTER NO. 24 .12
REG: CERTIFICATE IN RESPECT OF RECOMMANDATION OF DAMODARAN COMMITTEE.
S.N
Particulars
Remarks (If any)
Barrier free environment (i.e. ramp etc.) for disabled

persons in terms of The Disabilities Act 1999 have
Branch is situated on the

ground. Hence it
is

been ensured
ensured.
Branch premises should be accessible to Disabled .

Senior Citizens . Pensioners. if the branch premises
have steps at the entrance ramp have been provided at
the entrance for the convenience of persons on the
wheel chair.
Branch is situated on ground

floor. Hence it is ensured.
Convenience of Disabled . Senior Citizens . Pensioners

is kept in mind and attention have been paid in
providing adequate space proper furniture and other
facilities.
yes
ANNEXURE-11
A. CREDIT FUNCTIONS:
S
No.
1
Point
Item No. where

Incorporated in
format
Loan application received and disposals register is being maintained at branch for all
SSAs.
B. NON CREDIT FUNCTIONS

S
No.
1
2
3
4
5
6
7
8
9
10
11
Point
Arranging insurance for cash and devices at the CSP Outlets.

System generated receipt is being given to the customers on Successful transaction
and record of the same is properly maintained.
All transactions are being routed through the settlement account of BC. In case of
offline mode, customer account balances are reconciled with the bank.
Item No. where

Incorporated in
format
NCR-
Transactions are being uploaded on daily basis wherever required.

Account opening forms are being sent to the base / link branch for verification and
opening of accounts. No AOF is pending to be sent to branch at CSP outlet.
Account opening form are properly filled up
Photo ID card issued for BCA is issued by bank in case of individual BC and jointly in
case of BC agent of corporate BC by the Bank and BC.
Required KYC documents/Photograph of the customer are collected.
Display of all necessary notice boards as approved by the Bank
Phone numbers of Help line/ Bank officials (Base Branch/Circle Head/Circle Office)
have been displayed.
Complaint/feedback received from the customers is forwarded to the Bank in specified
time. Name of grievance redressal official and contact nos. To be displayed
BC certificate as an authorized Banks BC has been displayed.
Record of customers enrolled is being maintained.
Customer contact register is maintained
C. BRANCH MANAGEMENT
S
No.
1
Point
Display of signages in SSAs as approved by Bank.

BM has ensured provisions like box almirah for safe upkeep of finger print scanner /
Device etc. and other stationary / registers at BC location.
Item No. where

Incorporated in
format

2
3
4
Required No. BCAs for base branch, as per SSAs mapping are actually functional.
Branch official visiting BC location as per specified periodicity
Visitors / Bank officials visit register is being maintained at CSP outlet.
D. COMPUTER FUNCTION:
S
No.
1
2
3
4
5
6
Point
Device battery is kept charged/in ready mode for providing service to the CSP
customers.
Safe upkeep of frontend device viz. HHT, Mobile, PC Kiosk is ensured.
BC agent is working on all working days as per bank guidelines.
Help line number of technology / device provider is being maintained.
Updated versions of the frontend applications are downloaded.
Branch is keeping the PIN / CSP Cards secret to obviate any possibility of
unauthorized Use of technology / device.
Item No. where

Incorporated in
format
COM 1.1 (b)
COM 2.1 (b)
COM- 3.2 (b)
COM 3.4 (c)
COM 5.5 (b)
COM 5.5 (c)
ANNEXURE-11
Branch: _________
Distinctive No. _____
Date________
FINANCIAL INCLUSION AUDIT CERTIFICATE

This is to certify that all systems and procedures are being followed by the branch
relating to Financial Inclusion. The irregularities observed during the course of audit of
the branch are given hereunder for further follow up and rectification:
A. CREDIT FUNCTIONS:
Item where
incorporated
in the format
Point
Irregularities
observed
YES/NO
No. of
accounts
involved
Irregularities
observed
YES/NO
No. of
accounts
involved
Loan application received and disposals register is being

maintained at branch for all SSAs. Applications are not
allowed to outstand un-disposed off beyond prescribed
time.
B. NON CREDIT FUNCTIONS

Item where
incorporated
in the format
Point
Arranging insurance for cash and devices at the CSP

Outlets.

System generated receipt is being given to the customers
on Successful transaction and record of the same is
properly maintained.
All transactions are being routed through the settlement
account of BC. In case of offline mode, customer account
balances are reconciled with the bank.
Transactions are being uploaded on daily basis wherever
required.
Account opening forms are being sent to the base / link
branch for verification and opening of accounts. No AOF
is pending to be sent to branch at CSP outlet.
Account opening form are properly filled up
Photo ID card issued for BCA is issued by bank in case of
individual BC and jointly in case of BC agent of corporate
BC by the Bank and BC.
Required KYC documents/Photograph of the customer
are collected.
Display of all necessary notice boards as approved by the
Bank. Phone numbers of Help line/ Bank officials (Base
Branch/Circle Head/Circle Office) have been displayed.
BC certificate as an authorized Banks BC has been
displayed.
Record of customers enrolled is being maintained.
Customer contact register is maintained
Name of Grievance redressal official and contact number
has been displayed at SSAs and Complaints/feedback
received from the SSAs customers are forwarded to the
bank in time
C. BRANCH MANAGEMENT
Item where
incorporated
in the format
Point
Display of signages in SSAs as approved by Bank.

BM has ensured provisions like box almirah for safe
upkeep of finger print scanner / Device etc. and other
stationary / registers at BC location.
Required No. BCAs for base branch, as per SSAs
mapping are actually functional.
Branch official visiting BC location as per specified
periodicity
Visitors / Bank officials visit register is being maintained at
Irregularities
observed
YES/NO
No. of
accounts
involved

CSP outlet.
D. COMPUTER FUNCTION:
Item where
incorporated
in the format
Point
Irregularities
observed
YES/NO
Device battery is kept charged/in ready mode for providing

service to the CSP customers.
Safe upkeep of frontend device viz. HHT, Mobile, PC
Kiosk is ensured.
BC agent is working on all working days as per bank
guidelines.
Help line number of technology / device provider is being
maintained.
Updated versions of the frontend applications are
downloaded.
Branch is keeping the PIN / CSP Cards secret to obviate
any possibility of unauthorized Use of technology / device.
BRANCH INCUMBENT
SIGNATURE OF AUDITOR
No. of
accounts
involved
CR The following a/cs are sanctioned more than > two years have not
been
classified as NPA
.
VoS
A/c No(s)
Bal O/s
1) 284700PA001573
48
DoA
21-112012
95,000.
00
1,32,500
.00
1,08,455.
00
2) 284700PA001601
93
05-012013
30,000.
00
39,750.0
0
39,992.0
0
3) 284700PA001621
37
4) 284700PA001627
75
5) 284700PA001628
72
6) 284700PA001632
60
09-022013
18-022013
19-022013
26-022013
9,500.0 13,250.0 12,493.0

0
0
0
59,000. 82,150.0 77,258.0
00
0
0
14,000. 18,550.0 18,313.0
00
0
0
33,000. 47,700.0 43,172.0
00
0
0
Limit

7) 284700PA001633
12
8) 284700PA001637
92
9) 284700PA001638
44
10)
284700PA0
0164092
11)
284700PA0
0165499
12)
284700PA0
0165815
13)
284700PA0
0167354
14)
284700PA0
0167789
26-022013
04-032013
05-032013
08-032013
02-042013
13-042013
06-052013
10-052013
20,300.
00
68,000.
00
42,000.
00
41,000.
00
13,800.
00
24,900.
00
10,000.
00
34,000.
00
29,150.0
0
92,750.0
0
58,300.0
0
43,878.0
0
18,550.0
0
34,450.0
0
18,550.0
0
47,700.0
0
26,489.0
0
88,649.0
0
54,528.0
0
53,222.0
0
17,760.0
0
28,876.0
0
10,918.0
0
43,323.0
0
CR Following a/cs less than two years back , have not been classified as
NPA.
A/C No
Bal O/s
DoA
6) 284700PA0017
2985
27072013
3107-13
16082013
17082013
21082013
23082013
7) 284700PA0017
3151
26082013
1,38,5
00.
8) 284700PA0017
3726
11092013
40,00
0.00
1) 284700PA0017
1375
2) 284700PA0017
1728
3) 284700PA0017
2602
4) 284700PA0017
2657
5) 284700PA0017
2958
40,00
0.00
68,00
0.00
55,650.
00
95,400.
00
28,00
0.00
39,750.
00
68,00
0.00
95,400.
00
11,00
0.00
18,550.
00
20,00
0.00
47,700.
00
58,300.
00
Limit
48,416.
00
VoS

9) 284700PA0017
3869
10)
284700P
A00174424
11)
284700P
A00174530
12)
284700P
A00174646
13)
284700P
A00175469
14)
284700P
A00176237
15)
284700P
A00176778
16)
284700P
A00177078
17)
284700P
A00177139
18)
284700P
A00177254
19)
284700P
A00177306
20)
284700P
A00177333
21)
284700P
A00177528
22)
284700P
A00178022
23)
284700P
A00178271
24)
284700P
A00178378
14092013
25092013
2709-13
01102013
15102013
INR
08112013
13112013
19112013
INR
19112013
20112013
20112013
22112013
25112013
03122013
06122013
09122013
55,00
0.00
76,850.
00
66,499.
00
66,50
0.00
46,50
0.00
92,750.
00
63,600.
00
80,351.
00
56,075.
00
62,50
0.00
87,450.
00
77,582.
00
10,20
0.00
13,250.
00
12,194.
00
40,50
0.00
58,300.
00
47,992.
00
55,00
0.00
76,850.
00
65,053.
00
41,80
0.00
58,300.
00
44,331.
00
38,50
0.00
58,300.
00
45,436.
00
41,50
0.00
58,300.
00
48,960.
00
68,00
0.00
95,400.
00
81,278.
00
13,00
0.00
18,550.
00
12,325.
00
67,50
0.00
95,400.
00
79,486.
00
16,00
0.00
23,850.
00
18,785.
00
20,00
0.00
29,150.
00
23,454.
00
13,00
0.00
18,550.
00
15,229.
00

25)
284700P
A00179881
26)
284700P
A00180045
27)
284700P
A00180267
28)
284700P
A00180300
29)
284700P
A00180647
30)
284700P
A00180911
31)
284700P
A00181017
32)
284700P
A00181336
33)
284700P
A00181354
34)
284700P
A00181488
35)
284700P
A00181503
36)
284700P
A00181521
37)
284700P
A00181576
38)
284700P
A00181673
39)
284700P
A00182441
40)
284700P
A00182469
31122013
INR
03012014
07012014
08012014
13012014
18012014
20012014
25012014
25012014
27012014
27012014
28012014
28012014
29012014
07022014
0702-
22,00
0.00
31,800.
00
25,561.
00
56,50
0.00
76,850.
00
65,573.
00
96,00 1,37,80
0.00 0.00
1,17,39
2.00
55,00
0.00
76,850.
00
63,712.
00
17,10
0.00
23,850.
00
19,772.
00
15,20
0.00
21,200.
00
17,542.
00
1,65,000.
1,85,27
5.00
1,25,000.
1,43,87
7.00
19,00
0.00
26,500.
00
21,870.
00
19,00
0.00
26,500.
00
21,926.
00
24,90
0.00
37,100.
00
28,639.
00
1,11,000.
1,27,61
7.00
13,00
0.00
18,550.
00
14,946.
00
42,50
0.00
60,950.
00
48,845.
00
13,50
0.00
31,00
0.00
18,550.
00
45,050.
00
11,265.
00
35,506.
00
41)
284700P
A00182593
42)
284700P
A00182715
43)
284700P
A00183176
44)
284700P
A00183273
45)
284700P
A00183440
46)
284700P
A00183538
47)
284700P
A00183592
48)
284700P
A00183723
49)
284700P
A00183802
50)
284700P
A00183811
51)
284700P
A00183857
52)
284700P
A00184360
53)
284700P
A00184412
54)
284700P
A00184449
55)
284700P
A00184555
2014
12022014
12022014
18022014
19022014
22022014
25022014
26022014
04032014
04032014
04032014
05032014
12032014
14032014
15032014
18032014
1,27,000.
1,32,22
8.00
70,00
0.00
95,400.
00
80,024.
00
8,500.
00
13,250.
00
9,695.0
0
70,00
0.00
95,400.
00
79,812.
00
20,50
0.00
29,150.
00
18,262.
00
14,00
0.00
18,550.
00
16,245.
00
13,50
0.00
18,550.
00
15,352.
00
40,00
0.00
58,300.
00
45,382.
00
70,00
0.00
95,400.
00
79,418.
00
27,50
0.00
37,100.
00
31,200.
00
8,000.
00
10,600.
00
9,072.0
0
1,05,000
48,00
0.00
66,250.
00
1,19,000
97,00 1,35,15
0.00 0.00
1,05,27
0.00
54,252.
00
1,34,44
4.00
95,511.
00

56)
284700P
A00184591
57)
284700P
A00184616
18032014
18032014
97,50 1,32,50
0.00 0.00
1,10,02
8.00
24,90
0.00
28,100.
00
34,450.
00

GUIDELINES FOR PREPARATION OF SUMMARY NOTES
Summary notes should contain gist of all the CRITICAL irregularities (earlier
termed as Serious Irregularities) and comparative position thereof vis--vis last
Audit, so as to convey the true picture of various Control Risk Functions at a glance
without making frequent references to individual Control Risk Assessment Formats.
The report should highlight the High risk areas of the branch.
1.
2.
3.
4.
5.
6.
7.
8.
In order to give a clear idea to the Auditing staff regarding contents of the
Summary Notes and the critical areas to be highlighted in the summary
notes, its specimen is available in the preceding pages. This is only
illustrative in nature and not exhaustive one. The Auditors are advised to
carefully peruse the same and prepare the summary notes strictly on the
lines indicated. They are advised to give comparative position of all the
parameters relating to Credit Functions, Non-Credit Functions, Computer
Functions, Compliance Functions and Branch Management so as to bring out
factual position of the state of affairs prevailing at the branch, clearly
indicating whether there has been any improvement or deterioration.
The Auditors should also look into the accountability aspect and mention the
names and designations of the erring officials against each item of high risk
irregularity in the summary notes. This should be done after critical
examination of all the factors involved and represent the factual position and
should not be done in a routine manner. The guidelines will be applicable
irrespective of the rating of the individual Business Risk & Control Risk
Functions.
Sufficient margin should be left on the left hand side of the Summary Notes
for annotations by the Head Office Officials.
Irregularities of different nature should not be clubbed together in summary
notes; instead, each object should be dealt with separately giving item
numbers of the relative profile.
The Auditors should give section-wise assessment of each function, naming
In-charges of different sections and period of their stay (if more than one Incharge is in the picture) in the summary notes. The purpose of mentioning
names is to convey the feeling that the Incumbent In-charge is not the only
person responsible for the affairs of the whole branch, the second man and
others i.e., Functional Managers /
Dy. Managers / Officers / Spl. Asstts are
also responsible for the irregularities observed in the Departments/ Sections
handled by them. This aspect should be kept in mind while looking into
accountability aspect.
Where any parameter is rated as High Risk, the reasons for such state of
affairs should also be stated in Form No. 1 (Main Report).
In case the branch is incurring losses the detailed reasons, after analyzing the
various factors and thorough discussions with the Branch Manager, should be
incorporated in the Summary notes as well in Form No. 1 (Main Report).
Where the rating of the branch is High on two consecutive occasions, a
thorough study should be made. In such cases, the Auditor should make a
comparative assessment of risk exposure in various key areas at the time of
present audit vis--vis last audit and give his comments indicating whether
there is deterioration or improvement. He should also suggest the remedial
9.
measures for improvement and incorporate his observations in Form No. 1

(Main Report).
If any member of staff has done a good work, warranting appreciation, his
name along with gist of good work done should be specifically mentioned in
the Summary Notes as well as Form No. 1 (Main Report) so as to act as a
motivating factor for the field staff.

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Annual Audit of B/o Mannavanur 2847 as at 03.10.

Annual Audit of B/o Mannavanur 2847 as at 03.10.2015

The Deputy General Manager,

Reg: Annual Inspection Report Branch Office Munnanavur as on 03.10-2015

Internal Senior Auditor

Annual Audit of B/o Mannavanur 2847 as at 03.10.2015

Annual Audit of B/o Mannavanur 2847 as at 03.10.2015

CERTIFICATE FOR CHECKING OF SECURITY

Certified that I have visited & physically checked Primary securities as

Annual Audit of B/o Mannavanur 2847 as at 03.10.2015

Distinctive No. : 7477

Scheduled number of regular holidays

Annual Audit of B/o Mannavanur 2847 as at 03.10.2015

Non Performing Assets (NPAs)

Safety of Current Outstandings

Annual Audit of B/o Mannavanur 2847 as at 03.10.2015

The Auditor further has to comment on Public relations and Liaison

Annual Audit of B/o Mannavanur 2847 as at 03.10.2015

PUNJAB NATIONAL BANK

Certified that Daily record of observations/irregularities is maintained as

Annual Audit of B/o Mannavanur 2847 as at 03.10.2015

Certified that the Staff is aware of Citizen Charter and sufficient

Concurrent / Regular Auditor

Annual Audit of B/o Mannavanur 2847 as at 03.10.2015

Annual Audit of B/o Mannavanur 2847 as at 03.10.2015

Responsible: S/Shri __________________ Designation ___________________

DOCUMENTATION AND CREATION OF CHARGE

Annual Audit of B/o Mannavanur 2847 as at 03.10.2015

ACCEPTANCE, ENDORSEMENT AND OTHER OBLIGATIONS

BILLS PURCHASED / DISCOUNTED

Annual Audit of B/o Mannavanur 2847 as at 03.10.2015

REVENUE AUDIT IN CREDIT

Annual Audit of B/o Mannavanur 2847 as at 03.10.2015

Responsible: S/Shri __________________ Designation ___________________

CURRENCY CHEST FUNCTIONS

Annual Audit of B/o Mannavanur 2847 as at 03.10.2015

BANKER'S ACCOUNT AND CLEARING IMPREST ACCOUNT

a) ________ entries of adjustable nature aggregating Rs.__________ are

a) Proper follow-up is not being made for adjustment of entries. Entries

DAILY MONITORING SYSTEM (DMS) & CHECKING OF REPORTS

Responsible: S/Shri __________________ Designation ___________________

Annual Audit of B/o Mannavanur 2847 as at 03.10.2015

Total number of accounts opened since last IR _______.

CONDUCT & MAINTENANCE OF ACCOUNTS & RECORDS

Responsible: S/Shri __________________ Designation ___________________

Responsible: S/Shri __________________ Designation ___________________

Annual Audit of B/o Mannavanur 2847 as at 03.10.2015

Responsible: S/Shri __________________ Designation ___________________

Responsible: S/Shri __________________ Designation ___________________

Responsible: S/Shri __________________ Designation ___________________

Responsible: S/Shri __________________ Designation ___________________

Annual Audit of B/o Mannavanur 2847 as at 03.10.2015

Responsible: S/Shri __________________ Designation ___________________

Responsible: S/Shri __________________ Designation ___________________

Responsible: S/Shri __________________ Designation ___________________

Duties of IT functions have not been allotted through Office Order.

Responsible: S/Shri ________________ Designation ___________________

Responsible: S/Shri __________________ Designation ___________________

Annual Audit of B/o Mannavanur 2847 as at 03.10.2015

Responsible: S/Shri __________________ Designation ___________________

Responsible: S/Shri __________________ Designation ___________________

BRANCH MANAGEMENT (GENERAL):

JOB KNOWLEDGE OF STAFF

Annual Audit of B/o Mannavanur 2847 as at 03.10.2015

Responsible: S/Shri Designation _

Responsible: S/Shri Designation _

a) entries of adjustable nature aggregating Rs.__ are

Responsible: S/Shri Designation _

Responsible: S/Shri Designation _

Responsible: S/Shri Designation _

Responsible: S/Shri Designation _

Responsible: S/Shri Designation _

Responsible: S/Shri Designation _

Responsible: S/Shri Designation _

Responsible: S/Shri Designation _

Responsible: S/Shri Designation _

Responsible: S/Shri Designation _

Responsible: S/Shri Designation ___

Responsible: S/Shri Designation _

Responsible: S/Shri Designation _

Responsible: S/Shri Designation _

Responsible: S/Shri Designation _

Responsible: S/Shri Designation _

Responsible: S/Shri Designation _