Pending

UH Compliance
Auditor Branch Rating
Review UH CM
Amit Chandrapur 92% Pending
Digambar Faizpur 90% Pending
Naveen Shiggon 88% Pending
Ramesh Ahmadnagar 85% Pending
Sachin Paldhi 88%
Sachin Rahata 88%
Sachin Aurangabad-2 88%
Satish Belladwagewadi 86%
Tapas Balurghat 90% Pending
Tapas Gazole 86% Pending
Yogendra Pithora 88% Pending
Pending
7
 Review 4 UH 2 CM 1 AM
ompliance UH-Compliance 11
Tracker Date
AM
29-Aug ES
29-Aug ES
1-Sep -
30-Aug ES
Pending 30-Aug ES
Pending 30-Aug ES
Pending 30-Aug ES
Pending 30-Aug ES
30-Aug ES
30-Aug ES
1-Sep -
1 3 1
Followup # Date Branch Staff Amount Recovered

5/19/2022 1 23-Apr-22 Sangli-3 Rohit Kamble-CSR 76553 45000

5/19/2022 2 15-Apr-22 Uchagaon Vishal Jagtap-CSR

3 5-Feb-22 Sangli-3 Aniket Kumbhar 470276 170000

5/19/2022 4 26-Apr-22 Ahmedpur Sharad Gadave

RnC time
5 Pethvadgaon-2 Amol Rokade 536098 223000
case
5/19/2022 6 13-Apr-22 Sangli-4 Saloni Londhe 94840 2770

7 15-Dec-21 Islampur 1 Dilip Sangule 404322 175540

5/19/2022 8 23-Mar-21 Phulambari Mohsin Shaikh

5/19/2022 9 28-Sep-21 Akluj Sagar Chourmule 229080 40000

5/19/2022 10 16-Mar-22 Aundha Nagnath Ajay Devhans

5/17/2022 11 17-May-22 Umerag=-1 Prshant Lad 2120
Details Last update

Show cause letter issued on 4-May-2022

Dear Sir,
19-May-22
Today morning me and Nilesh Sir have talked
with above CSR and he is ready pay
remaining fraud amount of Rs 34323/- (Out
of 79323- 45000 already paid) by next week.

Dear Sir,
Today his BC was completed, and we found How much fraud done ?
no misappropriation traction in it. BC status ?
20-May-22
He has not submitted the tab yet. The tab is Assets details of lost
still pending but we talked to him, and he Receipt book details lost ?
will submit the tab tomorrow. also consider
his last working day tomorrow.

What is recovery plan and

Police complaint lodged on 29-Apr-2022 2-May-22
CSR commitment ?

Dear madam,
It is observed that CSR Sharad used 15
customers EMI amount of Rs. 27,610/- all the
amount we have collected from CSR &
reported collection accordingly, out of that 3 How much fraud done and
customers EMI adjusted by their saving from 19-May-22 recovered on when ?
back end so this amount of Rs. 5,140/-
handed over to customers.
so please issue him show cause letter for the
same.

BC pending of 468 a/cs

What is recovery plan and
Dear Sir, 9-May-22 CSR commitment ?
Today (9&10-05-2022) we recovered amount Fir ?
of Rs 19000 each
Show cause letter issued on 27-Apr-2022

68 a/cs bc done, out of 353 accounts and

94840 fraud found

Dear Sir,

Still BC process is going on and till date we

have found Rs.94840/- fraud in regular 19-May-22 BC started ?
account, and we have lodged police
complaint against her, Police official taken
her statement on 17th May and they told us
to give her Appointment letter, Fraud receipt
Xerox copies , company registration
document etc., today we are going to police
station for submit above all document, this is
for your information and update.

Action plan and CSR

As per AM, CSR gave commitment to repay 30-Apr-22 commitment to repay ?
in coming 2 month.
FIR ?

Dear ashishji;- I was on field sorry for dalay

reply, some customer added in list, by today
EOD I will submit list. 19-May Total fraud, BC action plan
Declaration taken on stamp

10K deposited on 6-May-2022

front of police when he was called at police

station and given commitment of 40k on
12/05/2022.

Dear Sir,
20-May-22
He has not followed the commitment then I
went in police station informed to police
about not following commitment. After that
he was called in police station dated on
17/05/2022. He requested to police till I
have not received the bill of sugar cane.
After the bill receive I will pay the amount.
This is for your information.

CSR absonded since 16-Mar-2022 and 37

receipts with him

We have issued termination letter to Him. I 9-May-22

spoke to him. He is ready to submit,
Resignation, Receipt Book, Tab , Id card etc. I
will update you the same.
During the receipt reconciliation it is
observed that CSR Dhammanand Acharya
has collected Rs.2,100 from customer
SHANTABAI TRIMBAK JALE (LAN:
Z00R3MS_01303002) at centre
JAKEKURWADI C2 G2 on 13-Apr-2022 vide
receipt number 7604039 but as per
collection data this collection not found
reported to HO by BA Prashant Lad (EMP ID
5599).
19-May-22
Dear sir,
As per below mail, I have visited to the
Umerga unit & talked with BA Prashant,
fraudulent amount of Rs. 2,100/- is collected
& updated to customer. Also I have taken
written explanation form him & strictly
communicated about the same.

@HR team, please issue him a show cause

letter.
CSR gave commitment to pay the
balance amount soon.

Talked with Mandar ji on 5 May, he

is working on email and discuss
with CSR personally by HR and
AM2

CSR has done the fraud between

Oct-2019 to Feb-2022 {while Oct-
2019 till Mar-2021 the branch was
under RBL being a R&C Branch}.
CSR gave commitment to pay the
balance amount soon.
 Month
# Branch Staff Name
Identified

1 Shirur Ganesh Baban Jadhav Apr-22

2 Palus 1 Digambar Takale May-22

3 Pethwadgaon-1 BA Shital May-22

4 Hingoli Dnyaneshwar Shinde May-22

5 Uchagaon Vishal Jagtap Apr-22

6 Ahmedpur Sharad Gadave Apr-22

7 Phulambari Mohsin Shaikh Mar-22

8 Umerag=-1 Prshant Lad May-22

9 Miraj-3 Vikram Mar-22

10 Sangli-2 Avinash Kudale Mar-22

11 Jaysingpur-3 May-22
 Observation

During audit it is found that CSR Ganes Baban Jadhav has collected EMI of Rs.1,100 from Customer Gitanjali Mahesh Anan
AHMEDNAGAR C10 G4 on 07-Apr-2022 in his personal account.

"During the field visit it is observed that CSR Digambar Takale has collected Rs.15,370 from Centre Kendra Radewadi C9 on
No. 7678824 for Rs 15,170 )(short amount Rs.200) to the customer.

On checking of the Centre meeting register it is observed that CSR mentioned Rs.1,870 collection from the customer Srush
he has not mention any amount against the customer name (left blank) and deposited in office as Rs.1,670. Customer also
Rs.1,870. "

During the receipt reconciliation below case of short amount reported by BA to HO are identified :
R. No Collection Date Receipt Amount Reported to HO Short Amount
1) 12739418 5-Jan-2022 Rs. 2000 Rs.1970 Rs.30
2) 12739056 11- Jan-2022 Rs.10280 Rs.10180 Rs.100
3) 12741208 11- Dec-2021 Rs.2800 Rs.2770 Rs.30
4) 12741134 1 - Dec-2021 Rs.2800 Rs.2770 Rs.30
5) 21760720 23 - Apr-2022 Rs.4740 Rs.4610 Rs.130
6) 21760218 23 -Apr-2022 Rs.1900 Rs.2000 Rs.100 Excess

Also, it is found that 2 receipts (R.No 12739492 & 7685953) were actually cancelled by the CSR but BA has reported the sa
problematic while searching the actual receipt in collection data.

During Virtual Audit it observed that Customer Bebi Ramrav Maske has transfer EMI to CSR Dnyaneshwar Shinde's person
Jan-2022 Rs1,650/- but CSR deposited the same in branch on 31-Jan-2022

It is found that Uchagaon (KOL045) Branch CSR Vishal Jagdap ( emp id -6050) done cash and receipt misappropriation.

On 18/3/2021 He has collected RS, 8350 From customer Kanchan Balaso Chougule ( receipt no- 619438) centre - chinchva
this customer copy.
But csr not deposited this amount, office copy and book copy is missing from receipt book.

we observed that the Sharad used EMI amount of 12 customers & we have collected all the amount from him. Also UH is d
fraud amount found he will pay, as we have talked with his father & taken undertaking letter from CSR.

Collected EMI from customers during Mar’20 to Dec’21 amounting to Rs.46,785/- and
not deposited in the office
During the receipt reconciliation it is observed that CSR Dhammanand Acharya has collected Rs.2,100 from customer SHAN
Z00R3MS_01303002) at centre JAKEKURWADI C2 G2 on 13-Apr-2022 vide receipt number 7603075 but as per collection d
reported to HO by BA Prashant Lad (EMP ID 5599).

On discussion with staff it is found that CSR has done cash collection by issuing manual receipt to customer and later hand
to BA but BA intentionally not reported the same to HO. While UH has failed to check the OD report otherwise this issue co

- CSR Vikram has collected Rs 18,140 from customer Gourava Gavre at Center Ganesh Talav C344 on 7-Sep-2021 but he ha
receipt to customer with Rs.18,140 (R.No.4242334) while office copy of receipt changed as Rs.12,600 (R.No.4242344). Afte
and deposited the short amount of Rs. Rs.5,540 on 24-Mar-2022 vide R.No.650748. (Refer attached evidence ) (Interest no

- CSR Vikram has collected Rs.12,780 from customer Sunanda Sukhasher at Kendra Ganesh Talav C26 on 7-Jan- 2022 throu
deposited Rs.12,010 in office on same day. After audit finding CSR agreed and deposited the short amount of Rs.770 on 24
(Refer attached evidence ) (Interest not collected)

- CSR Vikram has collected Rs.6,360 vide R.No.6425552 from 3 customers at centre Ganesh Talav C265 on 12-Jun-2021 bu
same in the office. After audit finding CSR agreed and paid Rs.2,970 on 24-Mar-2022 for customer Niranala Jadhav vide R.N
24-Mar-2022 for customer Rehana and Pournima vide R.No.650750 (Refer attached evidence ) (CSR has paid interest and p
account)

1. CSR Avinash Kudale has collected Rs 2,770 in personal account from customer Trishala Kalkute at Center Sangliwadi C57
No. 525669 of Rs.1,700 and submitted in office on 27-Oct-2021. As per Customer, she not having receipt against this repay
money to CSR’s personal account. – Short amount reported Rs.1,070. (Refer attached evidence)

2. CSR Avinash Kudale has collected Rs 2,770 in personal account from customer Trishala Kalkute at Center Sangliwadi C57
No. 525381 of Rs.1,000 and submitted in office on 26-Nov-2021. As per Customer, CSR has not issued the receipt against t
transferred the money to CSR’s personal account. - Short amount report Rs.1,770. (Refer attached evidence)

3. Customer Reshma Mane at Center Sangliwadi C103 has told that on 20-Dec-2021 she has paid Rs.2,120 to CSR Avinash K
receipt for Rs.2,000 only (while checking the customer copy of receipt it is found that CSR has overwrite the amount and a
denomination). Short amount reported Rs.120. (Refer attached evidence)

Also, Balance confirmation of CSR Avinash Kudale is not yet completed while CSR has resigned on 17-Jan-2022 and got reli
67% BC is completed by the branch till branch audit.

During the receipt reconciliation below case of short amount reported by BA to HO are identified :
R. No Collection Date Receipt Amount Reported to HO Short Amount
1) 3866930 5-Aug-2021 Rs. 2,000 Rs.1,970 Rs.30
2) 3868138 6-Jul-2021 Rs.2,770 Rs.2,670 Rs.100
3) 3866609 8-Jun-2021 Rs.1,970 Rs.1,900 Rs.70
4) 3866996 3-Jul-2021 Rs.2,130 Rs.2,120 Rs.10
5) 356721 17-Feb-2022 Rs.4,730 Rs.4,740 Rs.10 Excess

Also, it is found that 1 receipts (R.No 3868188) was actually cancelled by the CSR but BA has reported the same to HO. it w
searching the actual receipt in collection data. (Correct R.No was 3866988)
Amount Recovered Balance

- - -

200.00 200.00 -

220.00 220.00 -

1,650.00 1,650.00 -

8,350.00 8,350.00 -

27,610.00 27,610.00 -

46,785.00 - 46,785.00
2,100.00 2,100.00 -

9,280.00 9,280.00 -

2,960.00 2,960.00 -

200.00 200.00
 Fraud Register
Comments from CM/AM Risk Area Include
Yes / No

26-Apr-2022 - AM - As soon as information we received about

cash taken in personal account , immediately asked to Ganesh to
give bank transaction history, we sent to audit department as
well, we asked to UH to be CSR and check customer 6 month
repayment history. accordingly plan visit.

As per UH - they will visit the centre and meet with CL and
customer to discuss on this matter.
Closed
CL agreed and paid Rs.200 on 26-05-2022.

23-May-2022 - AM- as per your guidance we deposited all short

amount to above mentioned customers loan account and will
take care it will not happen again in future . Kantabai nivrutti
Borade 435210-21760479 30/- Vaishali manik patil 435210-
21760480 100/- Zarina myusf mujavar 435210-21760481 30/-
Jaida mahumulal mujavar 435210-21760483 130/-. We will take
for future.

20-May-2022 - UH - Above CSR is resigned at that time, he is a

notice period on that time.. he taken amount in his personal
account.. this customer is pre-closed .

20-May-2022 - AM - Today his BC was completed, and we found

no misappropriation traction in it.
He has not submitted the tab yet. The tab is still pending but we
talked to him, and he will submit the tab tomorrow. also consider
his last working day tomorrow.

19-05-2022 - CM -It is observed that CSR Sharad used 15

customers EMI amount of Rs. 27,610/- all the amount we have
collected from CSR & reported collection accordingly, out of that
3 customers EMI adjusted by their saving from back end so this
amount of Rs. 5,140/- handed over to customers.

20-May-2022 - AM - Not paid any amount as of Now.

As discussed with Mandar once amount finalise we will issue

show cause notice to him

Show Cause Notice issued on 24-May-2022

Warning letter issued on 20-May-2022 and also as per CM they
will replace the BA

Amount recovered from CSR

28-Mar-2022 - AM - Noted, UH & CM visiting all his customer to

ensure no any such cases found.

CSR already resigned on 17-Jan-2022 and got relived on 17-Feb-

2022
Fraud Investigation
Report Required Remark
Yes / No