BANK OF BARODA

(HEAD OFFICE: MANDVI, BARODA)

ZONAL INTERNAL AUDIT DIVISION, CHANDIGARH

STASTICAL DATA TO BE SUBMITTED BY THE BRANCH

BRANCH Goraya
REGION Jalandhar
ZONE CHANDIGARH
DATE OF INSPECTION 18/12/2021
INSPECTED BY Deepak Rawat
ASSISTED BY
(Rs in Lacs)
Last to Last Financial year Last Financial Year Last Date of Last Month
31.03.2020 31.03.2021 08.12.2021
No Amt No Amt No Amt
Fresh SME Lending
disbursement during 0 0
last 04 quarters
No. of leads generated
0 0
for SMELF
No. of leads generated
for SMELF and
0 0
convereted into
business
Fresh Retail Lending
disbursement during 0 0
last 04 quarters
No. of leads generated
0 0
for SMS/CPC
No. of leads generated
for SMS/CPC and
1 0
convereted into
business
 Branch Goraya
Area Classification Semi Rural
Category 3
Risk Classification : LOW
Status of Mechanization / 2121 RAMKAR
CBS Date Saturday, May 31, 2014

Composite Rating/score secured/risk classification during previous TWO RBIA and current RBIA

Date of RBIA Business Risk Control Risk Risk Assessment Trend/Direction

18/12/2021
29/10/2020 361 381 Low Stable
15/09/2019 360 375 Low Stable

Address: Address of Extension Counter, if any.

GORAYA ROAD ,
JALANDHAR 144009 NA
Business Monday to Friday:10:00 AM TO 4:00 PM , Saturday:
Phone: 8288094605 Hours : 10am to 4 pm(excluding 2nd and 4th Saturday of the
month ), Sunday: Holiday

E-mail : Goraya@Bankofbaroda.com
Date of opening of the Branch 17/Nov/76
Block: PHILLAUR State:
Punjab
District: JALANDHAR
Nearest Branch Dholeta,JALANDHAR Distance from the nearest Branch 5 KM
Whether branch is authorized to deal in Foreign Exchange Business (Category-B): NO
Whether branch handles Govt. business : YES
Is it Link Office for Govt. business YES
Whether the Branch is under concurrent audit NO
If yes, Name of Concurrent Auditor: NA

Region JALANDHAR
Name of the Regional Head : MR. RAJAY BHASKAR
Zone: CHANDIGARH
 Tenure of Branch Head and Joint Manager (During Review Period) :

Sr.No. Name Designation Period

From To
1 Mr Aditya Sharma Branch Manager 11/23/2020 8/7/2021
2 Mr Rajeshwar Branch Manager 8/6/2021 TILL DATE
3 Mr Munish Kumar JT MANAGER 5/3/2021 TILL DATE
4 Mrs Surjitt Mehmi Jt Manager 7/29/2019 5/26/2021
5 Mrs kailash Devi Sepcial Assistant 3/2/2019 TILL date
6 Balvinder Verma Clerk 9/24/2013 TILL DATE
7 Sandeep Head Cashier 12/18/2020 TILL DATE
8 Kamaljit kaur Substaff 8/25/2001 TILL DATE

Detail of Staff at Branch as on Date of Audit:

Sr.No. Name Designation Period
From To
1 Mr Rajeshwar Branch Manager 8/6/2021 TILL DATE
2 Mr Munish Kumar JT MANAGER 5/3/2021 TILL DATE
3 Mrs kailash Devi Sepcial Assistant 3/2/2019 TILL date
4 Balvinder Verma Clerk 9/24/2013 TILL DATE
5 Sandeep Head Cashier 12/18/2020 TILL DATE
6 Kamaljit kaur Substaff 8/25/2001 TILL DATE
7
8

*Detail of Staff on Deputation from the Branch and to the Branch should also be reported in above table
 DETAILS OF RC POSITION:
Sr. No. Type of Inspection Period Due Date of RC
1 RBIA 29/Oct/20 22/Dec/20
2 Concurrent Audit (Latest)

3 Forex Audit

4 Statutory Audit

5 RBI Inspection

6 Revenue Audit

7 I. S. Audit

8 Govt. Business Audit

9 HR Audit 29/Oct/20 22/Dec/20

10 preventive vigilence

11 Electric Audit
ITION:
Due Date of RC Date of QRC/RC

22/Dec/20 01/Mar/21

22/Dec/20 01/Mar/21
 Performance of the Branch – In respect of two previous Financial Years Information as of Previous Month of
date of inspection
Parameters
31.03.2020 31.03.2021 11/30/2021
No of Accounts Amount No of Accounts Amount No of Accounts Amount

DEPOSIT
Current Deposit 242.00 301.00 232.00

Saving Deposit 4427.00 4604.00 4925.00

Time Deposit 9296.00 9069.00 8788.00

Total Deposit 0.00 13965.00 0.00 13974.00 0.00 13945.00

Core Deposit 1051.34 1175.84 1218.09

Bulk Deposit 0.00 0.00 0.00

Institutional Deposit 0.00 0.00 0.00

Average Total Deposit 0.00 1108.79 0.00

% of Bulk deposit to total

0% 0% 0%
deposit
% of CASA deposit to total
33% 35% 37%
deposit

Average Cost of Deposit

% of Institutional deposit to
0% 0% 0%
total deposit

ADVANCES
Agriculture 0 74.00 79.00 79.00

Corporate and Small &

0 189.00 218.00 181.00
Micro enterprise

Baroda Traders loan 0 0.00 0.00 0.00

Baroda Mortgage Loan 0 0.00 0 9.00 15.00

Baroda Home Loan 0 22.00 11.00 12.00

Baroda Auto loan 0 202.00 190.00 222.00

Baroda Education Loan 0 3.00 1.00 1.00

Baroda Personal Loan 0 0.00 8.00 20.00

Gold Loan 0 29.00 37.00 46.00

LABOD / ODBOD 43.00 48.00 64.00

Loan / OD against securities 0 0.00 0.00 0.00

Staff Loans 0 0.00 0.00 0.00

Loan sanctioned under Govt.

0.00 0.00
Sponsored schemes

Any Other Loan 0.00 0.00 0.00

TOTAL ADVANCES (FB) 0.00 562.00 0.00 601.00 0.00 640.00

Total NF based business 0.00 0.00 0.00

Average Total Advances 196.72 0.00

Average return on Advances #DIV/0! 27.81 0.00

% NFB to FB 0.00 0.00 0.00

% of NFB business income to

0.00 8.08
Total income

% of LABOD / OD against
Dep. / Staff Advances to 7.65 7.99 10.00
Total advance
PROFIT/ LOSS . 0.00
Sensitive accounts (other accounts be included, if needed)
No of entry Amount No of entry Amount No of entry Amount
GL Suspense (Gen) 0.00 0.00 0.00

GL Suspense (Frauds) 0.00 0.00 0.00

GL Special Debit 0.00

GL Proxy account other

0.00 0.00 0.00
than charges

GL Migration accounts 0.00

GL Pension account 0.00

GL IBSA 0.00

GL New Intermediary 0.00 0.00 0.00

GL Sundry Deposit 0.00 0.00 0.00

GL Subsidy Reserve Fund 0.00

Other information
Staff Cost 23.47 49.28

% of staff cost with total

#VALUE! 5.83
expenses

No. of Debit cards issued

No. of Internet Banking

A/cs. of branch

Average Cash Balance

NPA
Sub- Standard 1 0.00 3 9.46 5 9.91

Doubtful 9 3.10 10 2.22 1 1.66

Loss 0 0.00 2 0.00 0 0.00

Total NPA 10 3.10 15 11.68 6 11.57

% of NPA with total

1% 2% 2%
advances

% of NPA on total advances

excluding LBAOD/ Staff 0.55% 1.94% 1.81%
Advances

Movement Chart of NPA

Opening Balance 3.79 3.10 11.68

Additions during the period 0.00 9.46 1.12

Reduction by way of

Cash recovery 0.00 0.88 0.16

Up gradation 0.69 0.00 0.59

PWO 0.00 0.00 0.00

Written Off 0.00 0.00 0.48

Transfer to other
0.00 0.00 0.00
branch/ARMB
Exchange diff./other
0.00 0.00 0.00
adjustments
Closing Balance 3.10 11.68 11.57
 Comparative figures of Expenses & Earning for Last 2 Financial Year
Last to Last FY Last FY
Sr No Particulars % Change over last Year
31.03.2020 31.03.2021
Earning
1 Interest & Discount 56.49 54.70 -3.17%
2 Commission, Exchange 0.86 2.18 153.49%
3 Other Earning 5.20 5.90 13.46%
4 Interest earned on HO a/c 932.00 822.00 -11.80%

5 Loss #DIV/0!

TOTAL Earning -11.04%

994.55 884.78
Expenditure
1 Interest paid on deposit 749.00 664.00 -11.35%
Interest paid on borrowing including 0.00 0.00
2 #DIV/0!
discount paid
Salaries/allowances/PF- Staff expenses / 23.47 49.28
3 109.97%
cost
4 Overtime 0.00 0.00 #DIV/0!
5 Rent, taxes, insurance & lighting 8.90 9.65 8.43%
6 Postages, telegram, telex, telephone 0.18 0.20 11.11%
7 Stationary, printing & advertising 0.41 0.50 21.95%
8 Computer expenses 0.00 0.00 #DIV/0!
9 Law charges 0.00 0.00 #DIV/0!
10 Depreciation 2.81 1.70 -39.50%
11 Other expenses 114.17 119.90 5.02%
12 Interest paid To Ho 37.59 33.23 -11.60%
13 Profit . 0.00 #VALUE!
Total 936.53 878.46 -6.20%

Financial Ratios
1 Average cost of Deposit #DIV/0! 59.89 #DIV/0!
2 Average return on Advances #DIV/0! 27.81 #DIV/0!
% of commission & exchange to total 1.37 3.47
3 152.56%
income
182.53 190.98
4 % of other expenses to total income 4.63%

5 % of profit to working funds #VALUE! 0.00 #VALUE!

#VALUE! 5.83
% of staff expenses to total expenditure
6 #VALUE!
other than write off amount

7 % of staff expenses to total income 37.52 78.50 109.20%

#DIV/0! 3.77
8 % of staff expenses to total business #DIV/0!

Cost to income Ratio 61.06 82.09 34.43%

B. Business Performance: ( Rs. in Lakhs)

Last to Last FY Last FY

31.03.2020 31.03.2021
Outstanding Average Outstanding Average
1.         Deposits 13965.00 0.00 13974.00 1108.79

A Current 242.00 301.00 13.67

B SB 4427.00 4604.00 536.53
C Time 9296.00 9069.00 558.59
2 Cost of Deposits XXXX #DIV/0! XXXX 59.89
3.       Advances 562.00 0.00 601.00 196.72
 A Corporate & SME 189.00 218.00
B Retail Advances 256.00 256.00
C Agriculture 74.00 79.00
Other Adv. (Staff Loan,
D ODBOD, LABOD, 43.00 48.00 196.72
others)
4 Yield on Advances XXXX #DIV/0! XXXX 27.81
5 Profit . XXXX 0.00 XXXX
6 NPA 3.10 XXXX 11.68 XXXX
7 Total Business (1+3) 14527.00 0.00 14575.00 1305.51
8 Staff position 3 XXXX 4 XXXX
9 Business per employee 4842.33 XXXX 3643.75 XXXX

D. Non-Performing Assets:
lakhs)
Year ending 31.03.2020 Year ending 31.03.2021
% to total % to total
Outstanding Outstanding
advances advances
1.      Sub Standard 0.00 0 9.46 0.0002
2.      Doubtful 3.10 0.0001 2.22 0
3.      Loss 0.00 0 0.00 0
TOTAL NPA 3.10 0.00 11.68 0.00
TOTAL PWO 0.00% 0 0

19 Variance in business figure:

(Amt in lacs) Not to copy

7th day of
23rd of Half subsequent variance from
March 20 yearly end last day of HY Month 23rd in %
CA 17.1 18.15 13.43 6.14
SB 589.9 581.62 583.94 -1.40
TDA 597.71 563.2 566.2 -5.77
Advances 213.75 221.85 221.23 3.79
 7th day of
23rd of Half subsequent variance from
March 20 yearly end last day of HY Month 23rd in %
CA 6.43 6.48 7.4 0.78
SB 587.05 593.29 570.72 1.06
TDA 601.99 611.83 642.44 1.63
Advances 316.14 324.93 327.69 2.78
( Rs. in Lakhs)

As on the Last
day of previous
month
08.12.2021
Outstanding
13945.00

232.00
4925.00
8788.00
XXXX
640.00
181.00
316.00
79.00

64.00

XXXX
0.00
11.57
14585.00
3
4861.67

(Rs. in

As of the last day of

previous month
08.12.2021
9.91
1.66
0.00
11.57

Not to copy

Variance from
last day in %
-26.01
0.40
0.53
-0.28
Variance from
last day in %
-92.60
470.72
542.44
227.69
Last -5- Quarters (Fig in
30-Sep-21 31-Dec-20 31-Mar-21
Lacs)
S.N Parameters Target Actual Target Actual Target Actual
1.              
Current Deposi 33.53 14.53 35.11 12.50 37.00 18.16
 2.              
Saving Deposit 557.68 541.71 590.55 559.40 630.00 581.63
 3.              
Total CASA 591.21 556.24 625.66 571.90 667.00 599.79
 4.              
Time Deposit 527.92 564.74 576.64 573.77 600.00 576.05
 5.              
Total Deposit 1119.13 1120.98 1202.30 1145.67 1267.00 1175.84
 6.              
Core Deposit 1119.13 1120.98 1202.30 1145.67 1267.00 1175.84
 7.              
Bulk Deposit 0.00 0.00 0.00 0.00 0.00 0.00
 
8.              
Avg Total Deposit 1214.00
 
9.              
Avg- CA Deposit
 
10.              Avg- SB Deposit
11.           
Total Avg. CASA 0.00 0.00 0.00 0.00 0.00 0.00
 
12 Avg. Time Deposit 0.00 0.00 0.00 0.00 0.00 1214.00

13 Advances o/s 167.67 214.94 231.59 212.41 257.16 221.85

14 FCNR (B) 0.00 0.00 0.00 0.00

Average
15
Advances
16 Priority Sector
Retail
17 lending(excluding 58.68 72.12 99.38 48.64 117.22 81.56
LABOD)
18 Of Which Hsg. 30.40 29.67 43.97 28.97 50.00 34.63

19 NPA LEVEL 2.23 2.22 11.68

20 NPARECOVERY
21 PWO

22 Recovery in PWO

Recovery in
23 Written off
accounts
24 Profit -2.88 -5.12 0.00

Lowest SB A/c
25 Bal. during the
period
Lowest CA a/c
26
Bal.
Average Short
27
Deposit
 30-Jun-21 30-Sep-21

Target Actual Target Actual

19.34 5.18 22.30 6.54
606.88 617.84 648.98 593.29
626.22 623.02 671.28 599.83
640.84 578.04 721.83 624.74
1267.06 1201.06 1393.11 1224.57
1267.06 1204.06 1393.11 1224.57
0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00

262.38 258.94 315.74 324.98

0.00 0.00 0.00

105.91 116.76 136.36 157.83

40.91 59.99 50.00 96.08

12.80 11.61

-18.00 -5.51
(b)OUTSTANDING/OVERDUEENTRIESINSENSITIVEACCOUNTS: (Rs in Lacs)

Total No of Amt. (Rs in 3 months to 12

Title of the Account Upto 1 month 1 month to 3 months 1 to 2 years
Entries lacs) months

No Amt No Amt No Amt No Amt No

I Suspense Account 0 0

II Suspense A/c ( Fraud) 0 0

III Suspense to Staff A/c 0 0

IV Special Debit 0 0

VI Clearing Adjustment Dr. 0 0

VI Clearing Adjustment Cr. 0 0

VII Pension Payment 0 0

VIII Service Br / CBO 0 0

IX Clearing Pay slip Payable A/c. 0 0

Clearing Pay slip Receivable

X 0 0
A/c.
XI Sundry Deposit 0 0

XII Sundry Creditors 0 0

XIII Inter Branch settlement A/c 0 0

XIV New intermediary A/c 0 0

XV 0 0
(Rs in Lacs)

1 to 2 years 2 to 3 years Above 3 years

Amt No. Amt No Amt

 (Rs in Lacs)
Suit Filed Accounts 31.03.2020 31.03.2021 08.12.2021
No. of A/c Amount No. of A/c Amount No. of A/c Amount
Total Suit filed accounts 0 0.00 0 0.00 1 9.41
a. Of which decreed A/c’s 0 0.00 0 0 0 0
b. Decrees under execution 0 0.00 0 0 0 0
c. No Of decrees pending for
execution
0 0.00 0 0 0 0
d. Time bared Decrees 0 0.00 0 0 0 0
e. PWO accounts - Out of
above DRT / Suit filed and 0 0.00 0 0 0 0
Decreed cases
f.  RC (Recovery Certificate)
Cases Filed Pending
0 0.00 0 0 0 0

Inculde DRT and Suit file accounts in above table

E. Potential NPA (Rs. in Lakhs)

A/c in Special Mention Account Category (SMA Special Mention Account A/c as on date of
0, SMA 1, SMA 2) as on last Month/Quarters conclusion of Inspection

No. of A/cs Amount No. of A/cs Amount

SMA 0 0 0 0.00
SMA 1 0 0 0.00
SMA 2 0 0.00 0 0.00

No. of A/cs Amt.

Eligible for SARFAESI

0 0.00
action

Out of which: SARFAESI

0 0.00
Notice issued

Symbolic possession
taken 0 0.00

Public notice for taking

symbolic possession 0 0.00
published
Physical possession
0 0.00
taken
Public notice for having
taken physical 0 0.00
possession published
Sale/ Auction conducted
0 0.00
and amount recovered
 ANNEXURE – IV – Top 10 NPA /SUIT FILED/DECREED ACCOUNTS

Date of filing Recovery

Status noted on Date & Amt of
A/C No Name Of the A/C O/s Date Of NPA Date of decree exectuion of during last one
by Br/ RO Suit file
application year

94350400000049 Surinder Kaur 14771.00 NA NA NA Nil

94350400000070 Charanjit S/o Tarsem 21080.00 NA NA NA

94350600000021 Sukhjinder Singh 910576.00 NA NA NA

94350600000064 Madeep Kaur 24924.00 NA NA NA

94350600000065 Rajni 20344.00 NA NA NA

94350400000026 Sanjeev Kumar 23766.00 NA NA NA

94350600000008 Jora Singh 4104.00 NA NA NA

94350600000012 Sanjeev Kumar 5654.00 NA NA NA

94350600000010 Sukhwinder Singh 132244.00 NA NA NA

 (Rs in lacs)

Progress of
in last 1
suit/execution
yearAction
application of
taken by the
decree

Continous
Nil Followup done
by thebranch
Continous
Nil Followup done
by thebranch
Continous
Nil Followup done
by thebranch
Continous
Nil Followup done
by thebranch
Continous
Nil Followup done
by thebranch
Continous
Nil Followup done
by thebranch
Continous
Nil Followup done
by thebranch
Continous
Nil Followup done
by thebranch
Continous
Nil Followup done
by thebranch
OPERATION
S.N Details [Amt in lacs]
1 Cash Retention Limit 20.00
2 Average Cash Payment during last four quarters
3 Average Cash Balance maintained during last four quarters 14.30
4 No. of times limit exceeded during last six months. 4 times
5 Maximum cash during the period Date: 28.9.21 Amount: 24.73
6 Excess cash per G/L as on date of inspection*
Date Amount

(Entry wise detail to be given)

Done By Date
7 Last verification of cash in ATM 13.9.21
8 Details of undelivered cheque books( Nos)
Name of
9 officer Date
Security Officer has visited the branch during the review period
10 No. of Dishonored cheques With the Branch
11 Last Customer Service Committee Meetings (date)
12 Last Customer Meets (Date)
13 15H/15G submitted up
14 ETDS return file up to
15 Last staff meetings held at Branch
16 Total no of Lockers
17 Vacant Lockers
18 Total Overdue Rent
Up to 6 month >6m upto12 m > 1 year
NO OD Amt NO OD Amt NO OD Amt

Total No. of Pins and Debit Cards are yet to be Pins 0

delivered Debit Cards
No. of Pins and Debit Cards are pending for more Pins 0
than 3 months Debit Cards 0
Whether blocked as per guideline : YES

% of No. of cards to total

Total No. of S/B A/cs No. of Debit cards issued Saving A/C.

% of average cash retained at the branch to average payments.

Details of any penalty imposed on Govt. work 0
Recovery in BOBCARD NPA accounts
ADVANCES
1.   No. of accounts eligible for Rating (Credit Rating).
No. of accounts rating not done.( As at end of quarter preceding
2.  
inspection).
3.   A/cs with balances having Rating : BOB – 1 to BOB 3
Balance Outg.As on end of
Type of Rating No. of a/cs.
Previous Qtr.
BOB -1
BOB-2
BOB-3
4 A/cs. With balance having rating BOB -4 to BOB -6
Balance Outg.As on end of
Type of Rating No. of a/cs.
Previous Qtr.
BOB -4
BOB-5
BOB-5
5.   No. of accounts with balance shifted from 3 to 4.
6.   No. of accounts transferred to other bank rating wise during last four quarters.
Name of AMOUNT ( In Cr. Transferr Dt. of
Reason
Account Lacs) Rating ed Bank Transfer
Non
Fund
Fund
Based
Based.

7.   Top-3- borrowers with limit and outstanding amount. As on

S.N Name Limit Outstanding
1
2

3
Exposure in 2 top industries with limit and outstanding amount as on previous quarter
8.  
end.
S.N Name Limit Outstanding
1
2
3
9.   Clean/ Unsecured Advances:
Name of A/c Outstanding
Pension Loan & Personal Loan
Education Loan
Staff clean Od

10.   Accounts restructured account with amount restructured during last four quarters.
Name of A/c Outstanding

11.   Recovery in Compromised accounts

No of A/cs Amt of compromise Amt of recovery
12 No. of L/Cs devolved with amount during last four quarters.
No. of Guarantees invoked with amount during last four
13
quarters.
Advances under SUB PLR lending ( other than retail lending
14
and directed of
Outstanding credit)
PCFC advances with authorized branch for last
15
four quarters.
Ratio of advances where adhoc /excess allowed during last one
16
financial
% of highyear to total
interest advances
sensitive advances accounts with total
17
advances
% of short term & high value advances accounts with total
18
advances
% of un availed level of sanctioned fund based working capital
19
limits
% of unto availed
total outstanding advances.fund based working capital
level of sanctioned
20
limits to total outstanding
% of incremental growth inadvances.
SME sector to total incremental
21
growth in advances during last -4- quarters:
% of incremental growth in advances, to credit decisions taken
at branch level under their discretionary powers, during last -4-
22 quarters
 Performance of the Branch – In respect of 2 previous FY

31.03.2020 31.03.2021

Type of % to total % to total

Sr. No. account No Amt deposit No Amt deposit

1 NRE 0.00% 0.00%

2 NRO 0.00% 0.00%
3 FCNR 0.00% 0.00%
4 RFC 0.00% 0.00%
5 EEFC 0.00% 0.00%
6 Others 0.00% 0.00%
Information as of Previous Month of
date of inspection

08.12.2021

% to total
No Amt deposit

0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
 ANNEXURE – FRAUDS AND MISSAPPROPRIATIONS
(Rs in lacs)

Police /
Present Status
Fraud No. Nature of Amount CBI
S.No Particulars Modus Operandi of each fraud Insurance Claim. Recovery (Remark/Other
(FMR) Fraud. involved Compliant
Development if any.)
.
Comparative figures of foreign exchange business (Figures are to be stated in
equivalent rupees) (Amount in Lac of Rs)
Parameters Over
Information as of dues (If
Performance of the Branch – In respect of
Previous Month of date any)
two previous Financial Years of inspection

31.03.2020 31.03.2021 08.12.2021

No of No of
No of Amount Amount Amount
Accounts Accounts
Accounts
I. Exports
1.Pre-shipment /
packing credit
2.Post- shipment
Export credit
(A)   FBP
(B)   UFBP
(C)   PSDL
3.Export Bills for
collection (FOBCs)
4.Export Business
(i.e.2(A+B)+3)
II. IMPORTS
1.Foreign inward
bills for collection
2.Advance bills
3.Import L/Cs
4.Import Business
(i.e. 1+2)

Performance against set targets ( Amount in lacs)

Performance under other parameters as per budgetary allocation.
Achievement Achievement
Targets as Targets as
Sr. No. Parameter 2018-19 2019-20
31.03.2020 31.03.2021 Remarks
1 Govt. Business
2 Debit / ATM
CARDS
3 Internet Banking
4 Gold Bond(SGB)
5 India First Life
Insurance
6 Banc assurance
7 Other Mutual
Fund
 Baroda Health
 8
(Nos.)
Performance
under Campaign
Campaign I
1
GOLDBOND
Campaign II
2
 Campaign III
3

 Campaign IV
4