Audit Report-Parmeshkumar(9639)

Dated-08-06-21
Prepared by-P Vijay(17778)

As per the trail mail we have conducted an audit of Parameshkumar(9639)

cases which was done between months of Jan 2021 to April 2021. The following
things are noticed for your kind perusal.

Total No of cases Sourced-120 Nos(Few cases Re-login)

Total No of cases Disbursed-30 Nos
Total No of cases Rejected-44 Nos
Total No of Cases QDE Pending-46 Nos

Mode of Operandi of Audit

• Predix Document audit-100%(LD cases)

• Tele-Verification-100%(LD cases)
• Tele-Verification-Random(Rejected cases)
• Tele-Verification-100%(QDE pending in the Month of April)

Predix Document audit

Out of 120 cases 30 cases been disbursed, the following observation found in KYC
audit in Predix as given below-Ref LD Report

• Scanned copy of KYC uploaded in Predix

• Colour Xerox uploaded in Predix
• Wrong GEO tagging done, PINCODE found mismatch
• Single Reference updated in Predix
• Address Part of the Proof not Uploaded

Tele-Verification-(100%-LD cases)

• Out of 30 cases-5 cases number not available-Ref LD Report.

• No adverse found

Tele-Verification-(100%-QDE pending in the Month of April)

• 21 cases been pending in the month of April under QDE approval

• Out of 21 cases, 5 cases been sourced through Third Party/DSA-Ref QDE
Pending-Tele Report

Tele-Verification-(Random-Rejected cases)

No adverse found
Previous audit Observation related to Parmeshkumar(9639)

• Paremeshkumar whose Offer letter not in the Employee Checklist file

• Receipt Movement Register is not maintained/Updated by the Branch
• Bounce charges not included in the receipts

Conclusion

As per the above report we arrives that there were few deviation done by the said
employee Mr.Parameshkumar(Emp.ID.9639) such as sourced through third Party(No
commission involved as per the customer confirmation) and scanned
documents/Xeroxed documents being uploaded in order to process loan(No
manipulation done) and failure of scrutiny by Credit department.

Regards,
P Vijay
Internal Audit-Retail Asset
Coimbatore Cluster