Raisi, Haridwar 07-08-2019

Voucher verification/ORM sampling :

The following irregularities observed:

• The fugitive ink/water drop test not done in some cases

• The branch is not doing ultraviolet lamp test in many cases
• There is no evidence of customer's contact in high value cheques of two lacs & above
• The scrutiny of high value cheques of Rs.10.00 lacs & above by two officers not
ensured.
• The Dr/Cr vouchers and signatures of checking officer in some cases
• not on record.
• The signatures not cancelled in some cases.
• The amount in words & figures not mentioned in cash receipt vouchers
• The passing officer is not putting full signatures while passing the cheques in many
cases

• The undelivered Letter of Thanks not on record

• There is no entry in missing voucher register.
`

The undelivered Bankers Cheques – There is no record of undelivered Bankers cheques. The
branch need to ensure proper custody of the undelivered instruments and balncing with
physical possession need to be done. The Branch Head is supposed to control & montrol all
undelivered instruments to safeguard Bank's interest.
The customer's signatures are not verified on cheque book requisition slip.
Cash Balance Book - . two denominations not verified by joint custodian in some cases. The
cash reports are not filed in chronological order and also
not properly signed by teller.
The customer's signatures not verified on pass book issue register in some cases.

The Intra day cash verification register & reports not produced for verification.The
reports/register need to be verified by joint custodian & Branch Head.
The signatures of two officers in whose presence the drop box was opened not on record.
The security officer's observations if complied with not produced for verification.
System Room Access Register – There is no entry in the register after 3-9-18
The customer's signature not verified in many cases on Pass Book issue register.
There is no entry in cash found excess/short during review period.

Staff a/cs scrutiny – The scrutiny from CDC reports not evidenced.

The high value transactions monitoring in newly opened a/cs during initial period of six
months not evidenced and high value transactions monitoring as per extant instructions of the
Bank not evidenced.

ALTERNATE CHANNELS -
ATM
The standard application not obtained and customer's signature not verified and issuance of
ATM not allowed by authorized officer in many cases
The customer's signatures not verified before delivery in some cases.
The undelivered ATMs destroyed in the presence of two officers not on record. The
returning charges not recovered. The periodical balancing with physical possession not
evidenced. The scrutiny need to be done by Branch Head. The old ATMs not destroyed.
The ATM lost register/mutilated ATMs register not on record and hotlisting also not on record.
The change of password of ATM at quarterly interval/change in incumbancy not evidenced.

INB
The customer's signatures not verified on INB register in some cases.
The standard application not obtained and customer's signature not verified and issuance of
INB not allowed by authorized officer in many cases
Passbook Issue register – The customer's signature not verified on duplicate pass book issue
register and application.
Undelivered Cheque Books –The record not properly maintained. The undelivered cheque
books pending for more than 60 days if destroyed, not produced for verification. The cheque
books are not kept in joint custody
The undelivered cheque books destroyed in the presence of two officers not on record. The
scrutiny need to be done by Branch Head. The Customer's signatures are not verified in
some cases.
The returned cheque books and letter of thanks are not recorded in CBS through proper
menu. The periodical balancing with physical possession not evidenced. The charges not
recovered in all cases.
The balancing of IFAM with CBS and CSC/CRP/PVC record not produced for verification.
RBI/GOI guidelines register and file not updated.
The undelivered letters' record and proper custody not evidenced.

The disposal not marked in Inward mail register in many cases.

The postage register nor produced for verification.

The Record and Record requisition registers are not updated.

OTMS – The OTMS back-up register/record not on record.

The compliance of observations of Security Officer need to be ensured.

The Leave record if tallied with HRMS, not on record.

The monthly abstract of charges after May'19 not on record.
Nomination record not updated after 16-09-2017.

CRM

KCC – 37733498714
The Controller's remarks on contrrol report not attended.
The Bank's charge on khatauni not on record.
The annexure "F" not on record.
The location sketch on pre-sanction survey report not prepared.
The post sanction/periodical inspection not produced for verification.
The CBS screen shot of Inspection/Cersai/Insurance/Hold value etc. not on record.

KCC – 37733498714
The Controller's remarks on contrrol report not attended.
The Bank's charge on khatauni not on record.
The photo not self attested by the borrower.
The location sketch on pre-sanction survey report not prepared.
The post sanction/periodical inspection not produced for verification.
The CBS screen shot of Inspection/Cersai/Insurance/Hold value etc. not on record.

Agri Gold Loan – 37586713307

SIM-G/L-9 duly signed by joint custodians not kept in the Gold Bag
The running Sr.no.,A/c no., LOS ID etc. not mentioned on gold bags.
The balancing of gold bags not done.
The scrutiny of gold ornaments, if done by an officer other than the Branch,
not produced for verification.
The appraisal is done on the basis of 24 carat gold.

X-press credit: 38311783758

The borrower's signature on application not verified.
The DDO's signatures are verified
There are no comments on pre-sanction survey report regarding verification of residential address as
per KYC.
The minimum PDCs obtained & held in joint custody not produced for verification.
The Income proof/ITRs are not properly verified.
The score sheet not held on record.
The Cibil overdue not commented in the proposal & approval of competent authority
not obtained.
The loans reflected in Cibil report not taken as liability while compiling the
opinion report.
The letter to employer not on record.
The control report not on record.
The Annexure XP-5 is incomplete.

Car Loan - 38118821344

The Controller's remarks on contrrol report not attended.
There are no comments on pre-sanction survey report regarding verification of residential address as
per KYC and report is incomplete.
The registration & Bank's hypothecation charge not verified from vahan.com
The supporting documents for compiling opinion reports not obtained.
The post sanction not on record.
The Cersai screen shot not on record.

M.V. Filling Station - Edfs limit 20 lac

The KYC of Firm/Cibil report not on record
The Central Fraud Registry report not referred
There are no comments on verification of stocks/primary security on inspection report
The CBS screen shots of CIF linkage/Cersai/Insurance/Inspection/Hold Value etc. not
on record.
The arrangement letter is not signed by BM
The Comfort Letter not on record
The Controller's remarks on contrrol report not attended.
The periodical stock statements not held on record.
The KYC of CA/GST bill who signed the balance sheet not on record.
The Cersai registration & Cersai search scren shot not held on record.

Sagar & sons- limit 2 lac

The Central Fraud Registry report not referred
The periodical inspection not evidenced
The CBS screen shots of CIF linkage/Cersai/Insurance/Inspection/Hold Value etc. not
on record.
The Controller's remarks on contrrol report not attended.
The DP register/Calculation sheet not on record

The following registers/report not produced for verification:

NPA review/irregularity reports
The control reports of OTS
The write off/compromise register & sanctioned note
The quarterly AUCA review.