2 ALLOCATION FILE MANAGEMENT CARDS BANKING 70 and Below

2.1 Availability of Allocation Letter 1 Not Available 0 NA 0

2.2 Collector wise case allocation handsoff 1 Not Available 0 NA 0 Not applicable for PU Agency
2.3 Performance letter availability 1 Not Available 0 NA 0

3 RECEIPT BOOK AUDIT (Refer Annexure for Details) CARDS BANKING

Availability of the Receipt book Control register in the standard format. Receipt Book not Available at NA Register is provided by the Bank
agency-not verified by us due
3.1 4 to mobile application usage 4 0

Collector's handsoff available for all the Receipt Books issued during the Receipt Book not Available at NA Register is provided by the Bank
Audit Period agency-not verified by us due
3.2 3 to mobile application usage 3 0

Total no of books available with Vendor as per last audit check (Mention Receipt Book not Available at NA
Book numbers in Annexure_Stock Recon, refer Receipt Mis provided agency-not verified by us due
3.3 by PCU) 3 3 0
to mobile application usage

New Receipt books received during audit period (Mention Book numbers Receipt Book not Available at NA
in Annexure_Stock Recon, refer Receipt Mis provided by PCU) agency-not verified by us due
3.4 2 2 0
to mobile application usage

Books returned by the FOS but Not yet despatched to bank (Highlight Receipt Book not Available at NA ID card validity should not be more than 6 months.
cases where books have not been returned to the bank within a TAT of agency-not verified by us due
3.5 7 working days from the date when the FOS had returned the books to 3 3 0
to mobile application usage
the vendor)
Books returned to bank during the audit period (Mention Book numbers in Receipt Book not Available at NA
Annexure_Stock Recon, refer Receipt Mis provided by PCU) agency-not verified by us due
3.6 1 1 0
to mobile application usage

Unused Receipt books as on date of Audit (Mention Book numbers in Receipt Book not Available at NA
Annexure_Stock Recon, refer Receipt Mis provided by PCU) agency-not verified by us due
3.7 1 1 0
to mobile application usage

Active Receipt Books as on date of Audit lying with the vendors. Check and Receipt Book not Available at NA
highlight the reciepts which have exceeded the TAT for return of reciept to agency-not verified by us due
3.8 the bank (60 days for banking and 90 days for cards) (Mention used and 4 to mobile application usage 4 0
unused receipt book numbers in Annexure_Stock Recon, refer Receipt
Mis provided by PCU)
Check if the Number of books available with the Agency is in sync with the Receipt Book not Available at NA
Issuance / Return list sent by Process Controls agency-not verified by us due
3.9 1 1 0
to mobile application usage

3.10 No of Field Executives as per current audit 33 NA Remove

Check if executives to whom Receipt Books are issued have I Cards. (If not, YES NA
3.11 1 1 0
highlight discrepencies along with name of the Collector)
to 3.12 Storage medium for the unused stock of receipt books 1 NA 1 NA 0

4 PAYMENTS PROCESS AUDIT CARDS (Count) BANKING (Count)

4.1 Check if the Plywise Control register is in the standard format & is updated Plywise Register not Available NA
on a daily basis at Agency, due to mobile
3 3 0
application usage

4.2 Check if there is overwriting being done in the Plywise Register Plywise Register not Available NA
3 at Agency, due to mobile 3 0
application usage * even if overwritten then dual signature- one from the collection/bucket manager and one from
4.3 Check for total payments processed by the agency during audit period Mobile App data and deposit NA
1 0 0
slip not provided Schedule no. to be introduced in the register.
4.4 Check 15% of those payments for following and highlight discrepancies Mobile App data and deposit NA
2 0 0
ONLY (atleast 10 of such cases should be of the month end). slip not provided
a Mismatch between Loan / Card # mentioned on the receipt and deposit Mobile App data and deposit NA
1 0 0
schedule (Refer Annexure_Payments Recon for details) slip not provided
 b Mismatch between amount mentioned on the receipt and deposit schedule Mobile App data and deposit NA
2 0 0
(Refer Annexure_Payments Recon for details) slip not provided
c Pickup cash payments>50Ks and check whether PAN is mentioned on the Mobile App data and deposit NA *what if the same customer paying >=50k in the same month & thro diff channels
receipt for the same (Refer Annexure_Payments Recon for details) 1 slip not provided 0 0

d Receipt issued for Cash and cheque is deposited or vice versa (Refer Mobile App data and deposit NA
2 0 0
Annexure_Payments Recon for details) slip not provided
e Cases where deposition with the bank has happenned beyond 2 working Mobile App data and deposit NA
days from the date of receipt issuance (Refer Annexure_Payments Recon 3 slip not provided 0 0
for details)
f Reason for cancellation is mentioned for Cancelled receipts. All plies are Mobile App data and deposit NA
available in the book if the receipt has not yet been returned (Refer 2 slip not provided 0 0
Annexure_Payments Recon for details)
g Overwriting observed on Receipt Slips Mobile App data and deposit NA
2 0 0
slip not provided
h Are all the receipts issued serially, please check for any break-in-series and Mobile App data and deposit NA
1 0 0
report (Refer Annexure_Payments Recon for details) slip not provided

5 TRAILS AUDIT CARDS BANKING

5.1 DCRs issued to all the collectors Not Applicable NA Please exclude this point for current month audit
2 2 0

5.2 DCRs are complete in all respects & are not overwritten 1 Not Applicable 1 NA 0 Please exclude this point for current month audit
5.3 Check if the statcards are getting printed out of the CMS 1 Not Applicable 1 NA 0 Please exclude this point for current month audit
5.4 Recording Facility available 0 Not Applicable 0 NA 0 * return of the statcards to be introduces- physical data purging report
5.5 Confirmation and test of calls being recorded. 0 Not Applicable 0 NA 0
5.6 Call recorded being stored for 6 months and call recordings are being named Not Applicable NA
such that retrieval of the recordings is possible. Highlight any exceptions.
Get a 5% random sample (minimum 10 and maximum 25) of calls for 0 0 0
retrieval and check usability
Not Applicable
6 DOCUMENTS MAINTAINED AT AGENCY CARDS BANKING
6.1 Are there any customers' cheques lying with the Agency 2 Not Available 2 NA 0
6.2 Count the number of those cheques and check how many of those 2 Not Applicable 2 NA 0
cheques do not pertain to the current month.
6.3 Is there a customer complaint register available at the agency 1 Not Applicable due to Audit 1 NA 0 *visitor register
conducted at RBL Okhla
Branch
6.4 Are there any self cheques of customers lying at the agency 2 Not Applicable 2 NA 0

7 AGENCY BILLING CARDS BANKING

7.1 Any delays in submission of bills observed (Please provide the date when Bill Raised 4 NA
said bill was raised & provide the details of invoices pending to be raised) 4 0

8 INFOSEC CARDS BANKING

8.1 Check for availability of the updated Information Security Policy as 1 Not Available 0 NA 0 INFORMATIOM REGARDING SECURITY QUESTION TO BE ASKED
provided by the bank
8.2 Check for memo, authorising vendor staffs to use RBL Bank 2 Not Available 0 NA 0
dedicated PCs.
8.3 Check the PC for any old customer data pertaining to > 2 months 3 Old Data found 0 NA 0
(excluding the current month)
8.4 Any External Storage Device is used - like CD / DVD ROM / Floppy Disk / PEN 1 No 1 NA 0
drive
8.5 Check if the agency is using any email ID and if it has any old 3 Not Available 3 NA 0 * Purging report for soft and hard copy resp.
customer data pertaining to > 2 months (excluding the current
month)
8.6 Check if attachments sent by the agency to Field agencies on email 3 Yes 3 NA 0
are password protected using Winzip ver 9 or above. Also check if
data is exchanged by pasiting sensitive information like card/loan
no & name of customers on the body or subject line of the mail.
 8.7 Check if the Data purging memo available for Soft & Hard copy 3 Not Available 0 NA 0
available for the last month
8.8 Check if the email ID in use for bank purpose is listed in the 2 Yes 2 NA 0
Central database of the bank. Also check if the email ID is used
exclusive for RBL Bank activities
8.9 IF PC is part of the LAN, check if there is a master folder in PC used 2 Not checked due to Audit 2 NA 0
for RBL which should contain a password so that no one from LAN conducted at RBL Okhla
connection can access the folder used for RBL directly. Also check Branch
for user authorisation memo.
8.10 Check if hardcopy of official documentations at vendors premise 1 Yes 1 NA 0
are stored under lock and key in a cabinet. Check for the memo
authorising access by the users.

8.11 Randomly sample 5% of the PCs to check if there are separate 1 Yes 1 NA 0
rights assigned to user and the administrator.
8.12 Check if Teller and Data entry area are separate, with restricted 1 Not checked due to Audit 1 NA 0
access to authorised staffs only. Also check for the user conducted at RBL Okhla
authorisation memo for accessing such area. Branch
8.13 Check if the Vendor maintains Visitor's Register 1 Not checked due to Audit 1 NA 0
conducted at RBL Okhla
Branch
8.14 Check if Fax machine is used only under supervision of Authorized 1 Not checked due to Audit 1 NA 0
personnel (Check for the Authorisation Memo) conducted at RBL Okhla
Branch
8.15 Is CMS installed and working in the agency 1 Not checked due to Audit 1 NA 0
conducted at RBL Okhla
Branch
8.16 All PCs should be password protected and password should not be shared. 2 Yes 2 NA 0

100 71 0
 On Attend
Referen
board Delay in Bio Data Application Current Money ed RBI Received
Designation Date - ce Sign Allocation
Date Of Fcu as on sending with For Police Endorsement Receipt Mandat Certificate
S. No. Name Of The Collector (Collector/TC/S Date when Quit Endorsement Card Check ed Done
Joining Code Audit Endorseme Photogra Verification Card issued ed on RBI
upervisor) returned to bank Availab Coc (Y/N)
Date nt Card ph with Pod Available (Y/N) Trainin Training
le
(Y / N) g
1 Mohan Mukesh Sharma FE NA Y - - - No No No DECONNFE0229 Yes NA NO NO
 Receipt Book Stock Reconciliation
Audit date Book No. Ply from Ply to Date receive
NO BOOKS USED
ock Reconciliation
Issued to Collector Date returned to Agency Date returned to Bank
 Payment Process C

Book No. Receipt No. Receipt Date

Payment Process Check - Discrepancies

Monthend Account Number Amount Amount

Deposit Account Number in
Receipt in Deposit in in Deposit
Date Receipt
(Y / N) Schedule Receipt Schedule
Error Details
Agency Audited: TATA BUSINESS SUPPORT SERVICES –DELHI
Date of Audit: 31/07/2019 (June.2019 period)
Time of Audit: 11:30 pm Onwards
Audited By: ADKS & Co.

Audit Results (Last Audit)

General Comments   :-

NA

Credit cards Comments :-

1. NA

Retail Collections Comments :

NA
.
Audit Results (Current Audit)
General Comments   :-
111
1 1 Audit conducted at RBL okhla Branch instead of TBSS registered Office.
2 Agency doing collection through application, but at the time of audit app data and dep
slip not available so we are unable to verify total collection and deposition during audit p
3 Allocation letter, Collector wise case allocation handsoff not available
4 Performance report not available of Bucket 1 & 4
5 No Memo available, authorizing Staff to use `RBL Bank dedicated PCs.
6 Data purging memo not available
7 Old allocation found in Monika and Rahul’s System
8) Documents and detail of FE were not verified as lying at HO Mumbai of agency

Credit cards Comments :-

1. Nil.

Retail Collections Comments :-

1. NA

____________________ ________________
Name & Signature Name & Signature
(Auditor) (Agency Prop.)