Professional Documents
Culture Documents
1. Branch profile,
2. Overdue positions of the branch (LAOPI)
3. Locations of the branch – if commercial area – Deposit and advance both
exist,
4. How branch attract Loan example ----- Agent through or any other else
1. Deposit Part
2. Loan and Advances Part (Critical)
Deposits:
1. Current deposits --- No Restrictions of Transaction
2. Savings deposits
3. Fixed deposits -----1. Fixed (time period interest income) 2. Recurring deposit
Documents –
KYC
CBS in interest check
Form 15G – income doesn’t increase base income
Form 15H- Form 15H is for senior citizens, those who are 60 years or
older; while Form 15G is for everybody else. Form 15G and Form 15H are
valid for one financial year
Point regarding DUPLICATE FD Receipt:
I) Request Letter
II) Indemnity Bond and FIR Copy is also Need
KYC documents
I) AADHAR CARD
II) Electricity bill
III) PAN
Document submitted by the applicant is valid or not
Inoperative account
If the customer doesn’t operate.
Inoperative account is specious for any fraud
NRO/ NRE
TDS fraud in above account fixed Deposit
In operative accounts
Individual not material but in whole is material it can attract malpractices
Employee withdraw and again deposit amount make inoperative
(Fraud)
Branch type
1. By Govt.
a) Rural – KCC, Common name and common village issue.
b) Semi urban
c) Urban
d) Metropolitan
2. BY Bank:
Small, Medium, Large