Certificates Revised 18042022

Annual Submission 2021-22
Bank of Baroda
PDF Version 3
Branch Name CHAVAKKAD
Branch Code 4159
TAN
Region THRISSUR REGION
To,
The Statutory Central Auditors
Bank of Baroda.
Certificate 1
Annual Closing For The Year Ended 31st March 2022
BIC: 4159 BRANCH: CHAVAKKAD REGION: THRISSUR REGION
CERTIFICATE ON REMITTANCE TO DICGC

Certified that Bank of Baroda, CHAVAKKAD Branch has remitted/not remitted * the share of the Deposit
Insurance and Credit Guarantee Corporation out of recoveries effected in Claims Paid accounts regularly
on the due date, as prescribed by the Corporation vide its circulars Nos.10/93-94and 85 dated 14th
February 1994 and 7th July 1995 respectively, and that no/some * amount is withheld by the branch on
this account. This is the true and correct position as on 31st March 2022, as per the books of accounts of
the branch. The branch has remitted a sum of Rs. 0.00 as detailed below.
Scheme-wise breakup is as under:
(Amount in Rs.)
Govt’s Scheme for

Sl (SSI) GS.1981 Small Scale
SLGS. 1971 Rs. Total Rs. Remarks,If any
Rs. Industries (since
cancelled) Rs.
0.00
* Delete whichever is not applicable
In case of negative certificate please furnish the details as under:
Recovery under DICGC (SSI Scheme)
Amt. Of recovery Date of sharing
not shared with recovery with
Sl No. Date of Recovery Amount Remitted
DICGC as on DICGC after
31.03.2022 31.03.2022
Recovery under Small Loans Guarantee Scheme

Amt. Of recovery Date of sharing
not shared with recovery with
Sl No. Date of Recovery Amount Remitted
DICGC as on DICGC after
31.03.2022 31.03.2022
* Branch should maintain account wise details for compliance wherever warranted.
Authenticated By, For Auditor,
Branch Manager Name : SHINE K SASI For T KOSHY & CO
Employee Code : 160785 Chartered Accountants
Designation : SENIOR MANAGER ANSEN P A
Partner/Proprietor
Membership No. : 251405
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 5
Ghosh Committee Recommendations

Relating to fraud and malpractices in Banks to be implemented at the Branch level
Rec.No. Nature of Recommendation Status of Implementation
Group A Part I Not Applicable
Joint custody and dual

3.3 responsibility of cash and other Yes, Implemented
valuables.
Transaction in the Currency Chest

3.4 to be reported to R.B.I. on the Not Applicable
same day.
Adhering to the prescribed norms

and safeguards issued by R.B.I.
on issue and payment of high
value drafts, depositing large
3.5 Yes, Implemented
amounts in new accounts without
verifying antecedents, opening of
benami accounts etc. to prevent
misuse of banking channel.
System of exclusive scrutiny of

8.10(a) credit portfolio with focus on large Yes, Implemented
advances and group exposures.
Special scrutiny of high value

accounts shifted on the bank
along with executives and
accounts transferred from other
8.10(b) Not Applicable
branches along with officials. The
observations of R.B.I. inspections
should be promptly and effectively
followed up by banks.
Monthly certificate on inspection

of associated units and on stocks
8.14 pledged /hypothecated to bank. Yes, Implemented
Stock inspections are carried out
Bi-monthly.
9.9 Adoption of preventive measures Yes, Implemented

of vigilance in letter and spirit as
enumerated
Rotation of staff/duties and

transfer covering all categories of
11.4 staff, including dealing Yes, Implemented
rooms/securities departments
staff etc.
Desk card for staff to be prepared.

Banks to designate one of the
senior officer as a Compliance
Officer.
Financial and administrative

11.1 powers of officials should be laid Yes, Implemented
down.
Group A Part II Not Applicable
Precautions in handling cash and

valuables – restriction of entry of
1.1 cash cabin, dual custody of Yes, Implemented
cash/valuables, surprise
verification at regular intervals etc.
Precautions against theft of cash-

staff should not indulge in
1.2 conversations/answering queries, Yes, Implemented
but direct such person to Inquiry
Counter only.
Precautions against shortage in

cash reported by cashier .
Introduction of surprise checking
at frequent intervals.
Precautions against
misappropriation of cash by
member of staff in the guise of
customer service. Only authorised
1.4 personnel should accept Yes, Implemented
cash/issue counterfoils in cash
departments. Cashier should not
be allowed to make entries in
Pass Book.
Proper systems should be

1.5 evolved in respect of Cash Yes, Implemented
balances, insurance and prompt
reporting of inter branch and inter
bank remittances of cash.
Banks should evolved proper

systems of adequate security and
custody of cash in dacoit/terrorist
attack prone areas.
Precautions against misusing

banking channels for tax evasion.
Pos/TCs in excess of Rs.50000/-
1.7 should be by way of debit of Yes, Implemented
Constituents’ account and not by
cash. Doubtful cases should be
reported to higher authorities.
Periodical reporting of
deposits/withdrawals from
1.8 Not Applicable
currency chest to Issue
Department of R.B.I.
exercise of caution at the time of

1.1 opening of new deposit accounts Yes, Implemented
of all types.
Customers to be educated about

implications of introducing an
account without knowing the
party.
Close watch on the operations in

the new accounts should be kept.
Issue of fresh cheque books

should be only against requisition
1.14 slip from previous cheque books Yes, Implemented
and other precautions to be taken
in respect of cheque books.
Precautions in payment of
cheques-verification of signature,
1.15 custody of specimen signatures, Yes, Implemented
custody and control of blank-
cheque books etc.
Balancing of ledgers periodically

by staff other than ledger keepers,
1.16 scrutiny of unauthorized entries, Yes, Implemented
corrections and the other
precautions in respect of Ledgers.
In-operative accounts to be kept
in separate ledger, specimen
signature to be in custody of
Manager and other precautions.
Safe custody of/ access to

vouchers through written orders of
1.18 Manager – records to be Yes, Implemented
maintained of those who have
accessed such records.
Safe custody of specimen

signature cards and verification of
instructions in respect of
operations of the account.
Blank draft and mail transfer

forms to be treated as security
1.21 items and usual precautions Yes, Implemented
should be taken in respect of their
issue and safe custody.
Precautions in writing of
drafts/mail transfers – use of pin
point typewriters or reverse
carbon.
Way in which telegraphic/telex

messages for telegraphic
1.26 remittances should be sent – use Not Applicable
of codes and accessibility to top
most officers of branch etc.
Precautions against frauds

perpetrated by employee -
effective supervision, timely
receipt of control returns and
1.28 scrutiny thereof, rotation/transfer Yes, Implemented
of staff etc. Strict watch on
clearing operations, house
keeping, reconciliation of inter
bank/branch accounts.
Precautions against frauds

perpetrated by staff in clearing -
checking of Branch Clearing
General A/c, despatch of
statement, verification of
instruments with relative
schedules etc.
Safe transit of cheques and

1.3 instruments between the Yes, Implemented
branches/ clearing house.
Precautions to be taken to prevent

fraud through entries in suspense
account – periodical balancing
and checking, signing of debit
1.31 voucher by Manager/Officer Yes, Implemented
authorized by him, sending
periodical statement, specifying
reasons for non-adjustment for
large and more than a month etc.
Mechanization of operations –
relating to inter branch
reconciliation. All branches to
1.32 clear outstanding entries above Yes, Implemented
Rs.2/- lacs and not allow them to
remain outstanding for more than
a month etc.
Post-disbursement safeguards to
be followed – critical assessment
of all advances periodically,
2.3 review of sticky advances and Yes, Implemented
look into staff side of case when
there is shift in health code status
of account.
Observance of laid down

rules/guidelines/safeguards by
bank officials – credit appraisal,
pre sanction visit to borrowers
premises/go down, proper
2.7 monitoring of end use of funds to Yes, Implemented
allowing payments to parties
connected with borrower/s line of
business and not allowing transfer
of large amounts to sister
concerns etc.
Check list of guideline to avoid

misuse of hypothecation/pledge
facilities – verification of
borrower’s title of goods pledged,
safety of godowns, obtention of
stock statement etc.
Safeguards against frauds

through kite flying operations in
cheques – limits against clearing
2.13 cheques only for prime Yes, Implemented
customers, limited drawings,
spare use of discretionary powers
etc.
Precautions against frauds in bills

portfolios – to ensure bills
represent genuine trade
transactions, insistence on
2.15 submission of all related Yes, Implemented
documents, ascertaining credit
worthiness of borrowers and
drawees, lorry receipts of
approved transporters etc.
Precautions for averting frauds in

the areas of letter of credit, issue
of guarantees and co-acceptance
facilities.
Banks Guarantees/LCs to be
issued in security serially
numbered, under two signatures
above certain cut off point in
triplicate, binding on beneficiary to
seek confirmation of Controlling
Officer (incorporation of suitable
condition in the documents) etc.
One of two authorised signatures

3.8 on LCs may be from controlling Not Applicable
office.
Bills discounting facility under L/C,

co-acceptance should be
extended only to customers
having regular sanctioned limits.
Precaution relating to deals in

items like furniture and fixtures,
4.4 stationery – proper system of Yes, Implemented
receiving quotations, delegation of
authority, proper inventory
management and periodical
checking etc.
Devising standards for suitable

5.2 internal control in computerised Yes, Implemented
environment.
Micro filming of records, vouchers,

5.5 Not Applicable
books.
Evolving standards for fully

computerised branches.
Group-B Part-I Not Applicable
Six months prior to the retirement

officials should exercise their
sanctioning powers jointly with
next higher authority.
Group-B Part-II Not Applicable
Group-C Part-I Not Applicable
Fraud cases upto Rs.25000/-

having involvement of an insider
should not be reported to Police
where recovery is not doubtful.
Banks should introduce a return

for staff members to ensure strict
11.8 submission of the information of Yes, Implemented
assets and liabilities and proper
scrutiny thereof.
Group-D Part - I Not Applicable
BRs should not be outstanding for

more than 7 days.
Banks should introduce a return

for staff members to ensure strict
11.8 submission of the information of Yes, Implemented
assets & liabilities and proper
scrutiny thereof.
Group-D Part - II Not Applicable
Obtaining photograph of
1.12 depositors at the time of opening Yes, Implemented
of accounts.
SUMMARY
No. of Recommendations Status of Implementation
Group A Part I : 10 8
Group A Part II : 38 34
Group B Part I : 1 1
Group B Part II : 0 0
Group C Part I : 2 2
Group D Part I : 2 2
Group D Part II : 1 1
Total : 54 48
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 6
JILANI COMMITTEE RECOMMENDATIONS- BRANCH LEVEL

(Relating to Internal Control and Inspection/Audit System in Banks which are to be Compulsorily
Implemented by Banks)
Rec.No. Nature of Recommendation Status of Implementaion
Every bank should have a manual

of instructions for its
21 Yes, Implemented
inspectors/auditors and
periodically update the same.
Follow-up on major/serious
irregularities detected during
concurrent audit to be
immediately taken up with the HO.
A time-bound action programme
39 Not Applicable
for rectification to be drawn up
and closely monitored. Fraudulent
transactions to be reported to
vigilance/chief of inspection/audit
etc.
Smaller/medium sized branches

to rectify irregularities pointed out
41 Yes, Implemented
during inspection/audit within 4
months.
Inspectors/auditors to get majority

of irregularities rectified during
44 their stay at the branches Yes, Implemented
concerned and guide them as
well.
Immediate action to be taken to

plug gaps in serious
irregularities/revenue leakages,
which have surfaced due to
loopholes in existing procedures,
45 Yes, Implemented
abnormal deviations from laid
down procedures/norms in
consultation with the departments
concerned by issue of fresh
guidelines.
53 Appropriate control measures Yes, Implemented

should be devised and
documented to prevent the
computer system from attacks of
unscrupulous elements. All
aspects of security, reliability and
accessibility are ensured before
introduction of EDP application in
place of manual system by having
pilot parallel runs.
Various tests to be carried out to

ensure that EDP applications
have resulted in consistent and
54 Not Applicable
reliable system for inputting,
processing and generation of
output of data.
Entire domain of EDP activities be

brought under scrutiny of
59 Yes, Implemented
Inspection and Audit including the
underlying financial aspects.
In order to bring about uniformity

of software used by various
branches/ offices, there should be
a formal method of incorporating
61 change in standard software and Not Applicable
it should be approved by senior
management. Such changes to be
inspected and monitored
continuously.
Banks should complete enquiries

expeditiously, and bring to book
the delinquent staff to deter others
from perpetuating frauds and
71 Not Applicable
malpractices Internet vigilance
machinery to be strengthened and
its working to be reviewed by the
Board every six months.
Regular checking by
inspectors/auditors to verify
correctness of information
74 compiled/furnished by branches Yes, Implemented
regarding income recognition,
assets classification, provisioning,
and NPA quantification in
conformity with prescribed norms.
Discrepancy to be immediately
brought to the notice of Branch
Manager for rectification on the
spot.
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 8 PartA
ANNUAL CLOSING AS ON 31st MARCH 2022
Information in respect of restructuring of Advance Accounts WITH OUTSTANDING LESS THAN

RS.1.00 CRORE As on 31.03.2022
(Rs. in Actuals)
SME
CDR
Restructurin Others Total
Mechanism
g
No. of
0 41 1 42
Borrowers
Standard Amount
0.00 20374103.11 797313.48 21171416.59
Advances Outstanding
Restructured
Sacrifice
(diminution in 0.00 1018705.16 39865.67 1058570.83
fair value)
No. of
0 0 0 0
Borrowers
Sub-Standard Amount
0.00 0.00 0.00 0.00
Restructured
Sacrifice
(diminution in 0.00 0.00 0.00 0.00
fair value)
No. of
0 16 1 17
Borrowers
Doubtful Amount
0.00 11208181.31 175078.00 11383259.31
Restructured
Sacrifice
(diminution in 0.00 560409.07 8753.90 569162.97
fair value)
No. of
0 57 2 59
Borrowers
TOTAL Amount
0.00 31582284.42 972391.48 32554675.90
Outstanding
Sacrifice 0.00 1579114.23 48619.57 1627733.80

(diminution in
fair value)
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 8 PartB
Information in respect of Restructuring of Advance Accounts with outstanding of RS.1.00 Crore

and above as on 31.03.2022
(Rs. in Actuals)
SME
CDR
Mechanism
g
No. of
0 0 0 0
Borrowers
Standard Amount
0.00 0.00 0.00 0.00
Restructured
Sacrifice
(diminution in 0.00 0.00 0.00 0.00
fair value)
No. of
0 0 0 0
Borrowers
Sub-Standard Amount
0.00 0.00 0.00 0.00
Restructured
Sacrifice
(diminution in 0.00 0.00 0.00 0.00
fair value)
No. of
0 0 0 0
Borrowers
Doubtful Amount
0.00 0.00 0.00 0.00
Restructured
Sacrifice
(diminution in 0.00 0.00 0.00 0.00
fair value)
No. of
0 0 0 0
Borrowers
TOTAL Amount
0.00 0.00 0.00 0.00
Outstanding
Sacrifice 0.00 0.00 0.00 0.00

(diminution in
fair value)
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 8 PartC
Consolidated Information in respect of Restructuring of Advance Accounts As on 31.03.2022

(Rs. in Actuals)
SME
CDR
Mechanism
g
No. of
0 41 1 42
Borrowers
Standard Amount
0.00 20374103.11 797313.48 21171416.59
Restructured
Sacrifice
(diminution in 0.00 1018705.16 39865.67 1058570.83
fair value)
No. of
0 0 0 0
Borrowers
Sub-Standard Amount
0.00 0.00 0.00 0.00
Restructured
Sacrifice
(diminution in 0.00 0.00 0.00 0.00
fair value)
No. of
0 16 1 17
Borrowers
Doubtful Amount
0.00 11208181.31 175078.00 11383259.31
Restructured
Sacrifice
(diminution in 0.00 560409.07 8753.90 569162.97
fair value)
No. of
0 57 2 59
Borrowers
Amount
TOTAL 0.00 31582284.42 972391.48 32554675.90
Outstanding
Sacrifice
(diminution in 0.00 1579114.23 48619.57 1627733.80
fair value)
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 8 (Annexure of PART B)
1.00 CRORE AND ABOVE
Statement of all Advances Restructured where total dues of Bank were Rs 1 crore and above
where sacrifice amount to be re computed based on diminution in fair value of advance as on
31.03.2022
(Rs. in Actuals)
Segment Amount of
Name of the Asset
Sl.No (CDR/SME/Othe Fund Based Interest
borrower classification
r) Sacrifice
- NIL -
Note: The sub-totals (A), (B) & (C) and Total (D) should tally with respective figures reported in Certificate
: 8 – Part B
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 8A
Disclosure of Restructured Accounts
Disclosure of Restructured Accounts as on 31.03.2022

Rs. in Actuals
Type of
Restructurin
g Under SME Debt Restructuring
Under CDR Mechanism Others Total
Assets Mechanism
S.No. Classificatio
n
Sub- Sub- Sub- Sub-

Stand Doub Stand Doub Stand Doub Stand Doub
Details stand Loss Total stand Loss Total stand Loss Total stand Loss Total
ard tful ard tful ard tful ard tful
ard ard ard ard
No.
of
0 0 0 0 0 66 0 2 0 68 5 0 0 0 5 71 0 2 0 73
Restr borro
uctre wers
d
Amou
Acco
nt 2115 1375 2253 3586 3586 2474 1375 2611
1 unts
outst 0.00 0.00 0.00 0.00 0.00 6517. 0.00 044.0 0.00 1561. 592.0 0.00 0.00 0.00 592.0 3109. 0.00 044.0 0.00 8153.
as on
andin 22 1 23 8 8 30 1 31
April
g
01,
2021 Provi 2045 2114 2224 2293
6875 1793 1793 6875
sion 0.00 0.00 0.00 0.00 0.00 450.1 0.00 0.00 202.3 0.00 0.00 0.00 779.7 0.00 0.00 531.9
2.20 29.60 29.60 2.20
there 4 4 4 4
on
No.
of
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
borro
wers
Fresh
Restr Amou
ucturi nt
1833 1833 2368 2368 2070 2070
2 ng outst 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
27.77 27.77 3.76 3.76 11.53 11.53
durin andin
g the g
year
Provi
sion
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
there
on
Upgr No.
adati of
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
on to borro
restru wers
cture
Amou
d
nt
stand
3 outst 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
ard
andin
categ
g
ory
durin Provi
g the sion
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
FY there
2021- on
2022
Restr No.
uctre of
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
d borro
stand wers
ard
Amou
adva
nt 1009 1009 - - 1006 1006
nces
outst 0.00 0.00 0.00 0.00 0.00 815.3 0.00 0.00 0.00 815.3 3554. 0.00 0.00 0.00 3554. 261.3 0.00 0.00 0.00 261.3
which
andin 3 3 00 00 3 3
ceas
g
ed to
attrac
t
highe
r
4
provi
sionin
g and
/ or Provi
additi sion
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
onal there
risk on
weigh
t at
the
end
of the
FY
and
henc
e
need
not
be
show
n as
restru
cture
d
stand
ard
adva
nces
at the
begin
ning
of the
next
FY
Down No.
grada of
0 0 0 0 0 -14 0 14 0 0 -1 0 1 0 0 -15 0 15 0 0
tion borro
of wers
5 restru
Amou
cture - -
nt 9833 - 1000
d 9833 1750 1000
outst 0.00 0.00 0.00 0.00 0.00 0.00 137.3 0.00 0.00 1750 0.00 0.00 0.00 0.00 8215. 0.00 0.00
acco 137.3 78.00 8215.
andin 0 78.00 30
unts 0 30
g
durin
g the Provi
FY sion
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
there
on
No.
Write of
0 0 0 0 0 -11 0 0 0 -11 -3 0 0 0 -3 -14 0 0 0 -14
off of borro
restru wers
cture
Amou
d - - - - - -
nt
acco 1827 1827 2634 2634 4461 4461
6 outst 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
unts 171.6 171.6 330.3 330.3 502.0 502.0
andin
durin 7 7 6 6 3 3
g
g the
FY Provi - -
- - - -
2021- sion 1026 4916 8753. 1166 5004
0.00 0.00 0.00 0.00 0.00 0.00 0.00 5350 1394 0.00 0.00 1307 0.00 0.00 6657
2022 there 744.9 56.87 90 208.9 10.77
88.11 63.93 10.03 98.14
on 8 1
Restr No.
uctur of
0 0 0 0 0 41 0 16 0 57 1 0 1 0 2 42 0 17 0 59
ed borro
acco wers
7 unts
Amou
as on 1068 1120 2189 1148 1138 2286
nt 7973 1750 9723
31st 0.00 0.00 0.00 0.00 0.00 9351. 0.00 8181. 0.00 7532. 0.00 0.00 6664. 0.00 3259. 0.00 9924.
outst 13.48 78.00 91.48
Marc 35 31 66 83 31 14
andin
g
h Provi
1018 1579 1058 1627
2022 sion 0.00 0.00 0.00 0.00 0.00 705.1 0.00
5604
0.00 114.2
3986
0.00
8753.
0.00
4861
570.8 0.00
5691
0.00 733.8
there 09.07 5.67 90 9.57 62.97
6 3 3 0
on
*Excluding the figures of Standard Restructured Advances which do not attract higher provisioning or risk weight (if applicable)
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Format I A
Certificate 9
Certificate 9 - Claim for 2 Per cent Interest Subvention on Short-term Crop Loan up to Rs.3 lakh for the year 2021-2022
Statement for the full year ended March 2022 - Regular Claim.
Total short term production credit at 7% p.a
Amount of subvention claimed(Rs in
Amount Disbursed/ drawn(Rs. in Actuals)
No. of Accounts(in Actuals)
Actuals)
Loans up to Rs.3 lakh. 937 237611000.00 1574973.00
Category-wise claim for 2% Interest Subvention for 2021-2022

*Total short term production credit at 7% p.a.
General SC ST
Amount Amount of Amount Amount of Amount Amount of

No. of No. of No. of
Disbursed/ subvention Disbursed/ subvention Disbursed/ subvention
Accounts (in Accounts (in Accounts (in
drawn (Rs. in claimed (Rs in drawn (Rs. in claimed (Rs in drawn (Rs. in claimed (Rs in
Actuals) Actuals) Actuals)
Actuals) Actuals) Actuals) Actuals) Actuals) Actuals)
Loans up to
936 237401000.00 1574294.00 1 210000.00 679.00 0 0.00 0.00
Rs.3 lakh.
We certify having disbursed the above loans at 7% p.a. up to Rs.3 lakh by way of short-term production credit to the farmers during the year 2021-2022 and
Aadhaar Number/AEN of all farmers for whom the Interest Subvention is being claimed for reimbursement has been captured and available with the bank
and there is no case of claim for reimbursement where Aadhaar No./AEN is not available. The claims have been made against short term crop loans to
farmers disbursed through KCC only.
We certify that the above claim are true and correct.
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 10
Format I B
Claim for 2 Per cent Interest Subvention on Short-term Crop Loan up to Rs.3 lakh for the year 2021-2022
(For Crop Loans Disbursed during 01.04.2020 to 31.03.2021 but continued beyond 31.03.2021)
Statement for the full year ended March 2022 - Additional Claim.
Amount of subvention claimed (Rs in
Amount Disbursed/ drawn (Rs. in Actuals)
No. of Accounts (in Actuals)
Actuals)
Loans up to Rs.3 lakh. 232 52607000.00 751437.00

*Total short term production credit at 7% p.a.
General SC ST

Loans up to
231 52307000.00 746407.00 1 300000.00 5030.00 0 0.00 0.00
Rs.3 lakh.
We certify having disbursed the above loans at 7% p.a. up to Rs.3 lakh by way of short-term production credit to the farmers during the year 2020 -2021 (For
Crop Loans Disbursed during 01.04.2020 to 31.03.2021 but continued beyond 31.03.2021 up to due date or 12 months from the date of disbursement,
whichever is earlier) and Aadhaar Number/AEN of all farmers for whom the Interest Subvention is being claimed for reimbursement has been captured and
available with the bank and there is no case of claim for reimbursement where Aadhaar No./AEN is not available. The claims have been made against short
term crop loans to farmers disbursed through KCC only.
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 12
Format II
One time Claim for Additional 3 per cent Interest Subvention for timely Repayment of Short-term Crop Loans/ restructured due to Severe NC, up
to Rs.3 lakh disbursed in 2020-2021
Statement for the full year ended March 2022

Total short term production credit which were
repaid in time Amount of subvention
No. of Accounts(in Amount Disbursed/ No. of Accounts(in Amount Disbursed/ claimed(Rs in Actuals)
Actuals) drawn(Rs. in Actuals) Actuals) drawn(Rs. in Actuals)
Loans up to Rs.3 lakh. 234 52777000.00 206 46339000.00 1413196.00
Category-wise claim for additional 3% Subvention for 2021 -2022 .

Total short term production credit which were repaid in time
General SC ST

Loans up to
206 46339000.00 1413196.00 0 0.00 0.00 0 0.00 0.00
Rs.3 lakh.
We certify that the above loans for which the claim is being made were repaid in time and the benefit of additional 3 percent interest subvention has already
been passed on to the account holders, thereby bringing down the interest rate for such farmers to 4 per cent per annum for short term production credit up
to Rs.3 lakh disbursed during 2020 -2021 . for these farmers. Aadhaar Number/AEN of all farmers for whom the PRI is being claimed for reimbursement has
been captured and available with the bank and there is no case of claim for reimbursement where Aadhaar No./AEN is not available. The claims have been
made against short term crop loans to farmers disbursed through KCC only.
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 13
One Time Restructuring of MSME Accounts (01.01.2019 to 31.03.2022)
Statement of MSME Advances Restructured during the period 01.01.2019 to 31.03.2021 as per RBI circular No DBR. No. BP. BC. 18/21.04.048/2018-19
dated 01.01.2019, RBI circular No DOR. No. BP. BC. 34/21.04.048/2019-20 dated 11.02.2020, RBI circular No DOR. No. BP. BC/4/21.04.048/2020-21
dated 06.08.2020 & Bank circular no BCC:BR:111:22 dated 11.01.2019, BCC:BR:111:145 dated 22.03.2019, BCC:BR:112:83 dated 14.02.2020,
BCC:BR:112:112 dated 28.02.2020, BCC:BR:112:219 dated 13.04.2020, BCC:BR:112:290 dated 18.05.2020, BCC:BR:112:483 dated 14.08.2020 & Letter
no BCC:MSME:112:879 dated 05.11.2020, BCC:MSME:113:174 dated 11.02.2021 and live on CBS as on 31.03.2022
Particulars Number of Borrowers Restructured Amount (Rs. in actual)
Bank of Baroda 52 27648692.85
Pool Accounts 0 0.00
Total 52 27648692.85
Partner/Proprietor

Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 14_A1
Annual End Use Certificate
Implementation of Pradhan Mantri Awas Yojana (PMAY) - Credit Linked Subsidy Scheme (CLSS)
for EWS/LIG (Old + New) by National Housing Bank / HUDCO
Statement of End-Use on PMAY-CLSS beneficiaries accounts
We certify that the construction of houses/flats for which the subsidy has been received and utilized is
strictly in terms of the Scheme Guidelines issued by the Ministry of Housing & Urban Affairs, Government
of India.
a.During the FY 2021- 2022 (April 1, 2021 to March 31, 2022)

(Amt. in Rupees)
Net subsidy received
No. of accounts(net of from NHB / HUDCO
SN Particulars
refunds) (excluding processing
fees)
Construction Completed
1 0 0.00
(Ready built)
Under Construction,
which were completed
within 36 months from
2 the date of the 0 0.00
disbursement of the 1st
installment /tranche of
the loan amount
At Under Construction
stage, for which 36
months period has not
been completed from the
3 0 0.00
date of the disbursement
of the 1st installment
/tranche of the loan
amount
Under Construction,
4 0 0.00
after 36 months from the
amount
stage, even after 36
months from the date of
5 0 0.00
the disbursement of the
1st installment /tranche
of the loan amount
6 Total (1+2+3+4+5) 0 0.00
b.Cumulative till 31-03- 2022 (June 17, 2015 to March 31, 2022)
(Amt. in Rupees)
SN Particulars
fees)
1 4 874855.00
(Ready built)
Under Construction,
2 the date of the 0 0.00
the loan amount
stage, for which 36
3 0 0.00
amount
Under Construction,
4 date of the disbursement 0 0.00
amount
5 0 0.00
of the loan amount
6 Total (1+2+3+4+5) 4 874855.00
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 14_A2
CLSS for EWS/LIG (Old + New) Scheme
In compliance with MoU executed by Bank of Baroda (including eVB & eDB) with NHB / HUDCO , the
details of such loan accounts which are not yet refunded to NHB / HUDCO (CNA) till 31-03-2022 are as
below
(June 17, 2015 to March 31, 2022)
(Amt. in Rupees)
Refund made
for (6) if any,
Subsidy
Processing subsequently
Loan account Name of received from
SN fees received Total Subsidy after 31-03-
No. borrower NHB /
including TDS 2020 (UTR
HUDCO
No. with date
of credit)
(1) (2) (3) (4) (5) (6)=(4)+(5) (7)
- NIL -
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 14_B
Annual Utilization And Refund Certificate
Implementation of Pradhan Mantri Awas Yojana (PMAY) - Credit Linked Subsidy Scheme
(CLSS) for EWS/LIG (Old + New) by National Housing Bank / HUDCO
Statement on Interest Subsidy Claimed and Refund Made

(Amt. in Rupees)
Disbursements by NHB / HUDCO Refunds to NHB / HUDCO*
No. of Processi
Processi Accounts Interest ng Fees
Purpose No. of TDS Subsidy including Total
Interest ng Fees Total (excludin
Deductio TDS
Accounts Subsidy Including Amount g partial Amount
n
TDS refunds, (including partial
if any) refunds, if any)
(6)=(3)+( (10)=(8)+
(1) (2) (3) (4) (5) (7) (8) (9)
4) (9)
General 0 0.00 0.00 0.00 0.00 0 0.00 0.00 0.00
OBC 0 0.00 0.00 0.00 0.00 0 0.00 0.00 0.00
SC 0 0.00 0.00 0.00 0.00 0 0.00 0.00 0.00
ST 0 0.00 0.00 0.00 0.00 0 0.00 0.00 0.00
Total 0 0.00 0.00 0.00 0.00 0 0.00 0.00 0.00
*Those which were approved and cleared till 31-03-2022 in NHB’s / HUDCO CLSS Portal.
b. Cumulative till 31-03-2022 (June 17, 2015 to March 31, 2022)
(Amt. in Rupees)
No. of Processi
Deductio TDS
n
(6)=(3)+( (10)=(8)+
(1) (2) (3) (4) (5) (7) (8) (9)
4) (9)
220187.0 223187.0
General 1 3000.00
0 0
435361.0 441361.0
OBC 2 6000.00
0 0
219307.0 222307.0
SC 1 3000.00
0 0
ST
874855.0 886855.0
Total 4 12000.00 0.00
0 0
*Those which were approved and cleared till 31-03-2022 in NHB’s / HUDCO CLSS Portal.
We certify that the amounts stated above have been received and utilized strictly in terms of the Scheme
Guidelines issued by the Ministry of Housing & Urban Affairs, Government of India. We also certify that
the above claims made as true and correct and declare that the same is as per the records of the books
of the Bank of Baroda / eVijaya / eDena.
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 14_C1
Implementation of Pradhan Mantri Awas Yojana (PMAY)
Implementation of Pradhan Mantri Awas Yojana (PMAY) - Credit Linked Subsidy Scheme (CLSS)
for MIG (I + II) by National Housing Bank / HUDCO
Statement of End-Use on PMAY-CLSS beneficiaries account
We certify that the construction of houses/flats for which the subsidy has been received and utilized is
strictly in terms of the Scheme Guidelines issued by the Ministry of Housing & Urban Affairs, Government
of India..

(Amt. in Rupees)
SN Particulars
fees)
1 0 0.00
(Ready built)
Under Construction,
2 the date of the
the loan amount
stage, for which 36
3
amount
Under Construction,
4
amount
5
of the loan amount
6 Total (1+2+3+4+5) 0 0.00
b.Cumulative till 31-03- 2022 (January 1, 2017 to March 31, 2022)

(Amt. in Rupees)
SN Particulars
fees)
1 1 194583.00
(Ready built)
Under Construction,
2 the date of the
the loan amount
stage, for which 36
3
amount
Under Construction,
4 date of the disbursement
amount
5
of the loan amount
6 Total (1+2+3+4+5) 1 194583.00
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 14_C2
CLSS for MIG (I + II) Scheme
In compliance with MoU executed by Bank of Baroda (including eVB & eDB) with NHB / HUDCO, the
details of such loan accounts which are not yet refunded to NHB / HUDCO (CNA) till 31-03-2022 are as
below:
(January 1, 2017 to March 31, 2022 )
(Amt. in Rupees)
Refund made
for (6) if any,
Subsidy
Processing subsequently
Loan account Name of received from
SN fees received Total Subsidy after 31-03-
No. borrower NHB /
including TDS 2020 (UTR
HUDCO
No. with date
of credit)
(1) (2) (3) (4) (5) (6)=(4)+(5) (7)
- NIL -
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 14_D
Annual Utilization And Refund Certificate
Implementation of Pradhan Mantri Awas Yojana (PMAY) - Credit Linked Subsidy Scheme
(CLSS) for MIG (I + II) by National Housing Bank / HUDCO
Statement on Interest Subsidy Claimed and Refund Made

Amount in Rupees
No. of Processi
Deductio TDS
n
(6)=(3)+( (10)=(8)+
(1) (2) (3) (4) (5) (7) (8) (9)
4) (9)
General
OBC
SC
ST
Total 0.00 0.00
*Those which were approved and cleared till 31-03-2022 in NHB's / HUDCO's CLSS Portal.
b. Cumulative till 31-03-2022 (January 1, 2017 to March 31, 2022)
Amount in Rupees
No. of Processi
Deductio TDS
n
(6)=(3)+( (10)=(8)+
(1) (2) (3) (4) (5) (7) (8) (9)
4) (9)
General 0 0.00 0.00 0.00 0.00
194583.0 196583.0
OBC 1 2000.00
0 0
SC
ST
194583.0 196583.0
Total 1 2000.00 0.00 0.00
0 0
*Those which were approved and cleared till 31-03-2022 in NHB's / HUDCO's CLSS Portal.
We certify that the amounts stated above have been received and utilized strictly in terms of the Scheme
Guidelines issued by the Ministry of Housing & Urban Affairs, Government of India. We also certify that
the above claims made as true and correct and declare that the same is as per the records of the books
of the Bank of Bank of Baroda (including eVB & eDB).
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 15_A
AUDIT CERTIFICATE - CSIS
Scheme Year: FY 2020-21 (CSIS Claims)

SUB: CENTRAL SECTOR INTEREST SUBSIDY SCHEME ON EDUCATONAL LOANS TO
STUDENTS BELONGING TO ECONOMICALLY WEAKER SECTIONS (EWS)
Scheme Year Remarks
Statement on Interest subsidy claims lodged during

FY 2020-21 FY 2021-22 (Related to FY April 1, 2020 to March
31, 2021)
(A/cs & Amt. in Actuals)
Interest Subsidy claims Scheme Year 2020-2021

Particulars
No. of A/cs Amount of Subsidy Claims
(A) General & OBC Category 0 0.00
(B) SC Category 0 0.00
(C) ST Category 0 0.00
Grand Total(A+B+C) 0 0.00
We certify that the amounts stated above is strictly in terms as per the guidelines of Central Sector
Interest Subsidy Scheme, 2009 issued by Ministry of Human Resources Development, Department of
Higher Education, Government of India (vide Notifications No.F.11 -4/2010-U-5 & F No.7-4/2017-U5
(Vol.II)) and the courses covered under CSIS Scheme are as per IBA’s Model Education Loan Scheme.
We also certify that the above claims as true and correct and declare that the same is as per the records
of the books of the Bank.
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 15_B
AUDIT CERTIFICATE- PADHO PARDESH SCHEME
Scheme Year: FY 2020-21 (PPIS Claims)

SUB: PADHO PARDESH INTEREST SUBSIDY SCHEME ON EDUCATONAL LOANS FOR
OVERSEAS STUDIES FOR THE STUDENTS BELONGING TO NOTIFIED MINORITY
COMMUNITES.
Scheme Year Remarks
FY 2020-21 (Related to FY April 1, 2020 to March 31, 2021)
Total Interest
Q1 Q2 Q3 Q4 Subsidy
Name
claims
of the
Amt. Amt. Amt. Amt. Amou
comm
No. of of No. of of No. of of No. of of No. of nt of
unity
A/cs subsid A/cs subsid A/cs subsid A/cs subsid A/cs subsid
y y y y y
Buddhist
0 0.00 0 0.00 0 0.00 0 0.00 0 0.00
s
Christia
0 0.00 0 0.00 0 0.00 0 0.00 0 0.00
ns
Jains 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00
Muslims 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00
Parsi/Zo
0 0.00 0 0.00 0 0.00 0 0.00 0 0.00
rastrians
Sikhs 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00
Total 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00
We certify that the above claims as true and correct and declare that the same is as per the records of the
books of the Bank.

Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 15_C
Audit Certificate DR. Ambedkar Central Sector Interest Subsidy Scheme (ACSISOBCEBC) For
OBCs And EBCs
Scheme Year: FY 2020-21 (ACSISOBCEBC Claims)

SUB:DR. AMBEDKAR CENTRAL SECTOR INTEREST SUBSIDY SCHEME ON EDUCATONAL
LOANS FOR OVERSEAS STUDIES FOR THE STUDENTS BELONGING TO OBC & EBC
CATEGORIES.
Scheme Year Remarks
FY 2020-21 (Related to FY April 1, 2020 to March 31, 2021)
Total Interest
Q1 Q2 Q3 Q4 Subsidy
Name
claims
of the
Amt. Amt. Amt. Amt. Amou
Categ
No. of of No. of of No. of of No. of of No. of nt of
ory
A/cs subsid A/cs subsid A/cs subsid A/cs subsid A/cs subsid
y y y y y
EBC 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00
OBC 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00
Total 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00
We certify that the above claims as true and correct and declare that the same is as per the records of the
books of the Bank.
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 18
Claim for Interest Subvention on loan to Women SHGs at 7% per annum, for the credit up to Rs. 3
lakhs, for the year 2021-2022
Applicable WAIC for FY 2021-2022: 1.60%

Statement for the full year i.e. 01.04.2021 to 31.03.2022: Loans disbursed/outstanding up to Rs.3
lakhs.
(Amount in Rupees)
New accounts opened during Outstanding as at Amount of
Total outstanding as at
the Financial Year 2021- 31.03.2021.(end of previous interest
31.03.2022.
2022 year) subvention

Amount Amount Amount Amount
Accounts Accounts Accounts
0 0.00 0 0.00 0 0.00 0.00
We hereby certify that loans to women SHGs up-to Rs.3 lakhs were charged Interest @ 7% per annum
on the above disbursement/outstanding in the year 2021 - 2022. We certify that the above claimed
amount and the accounts are from the Category-I districts only and all the accounts claimed are eligible
for interest subvention as per RBI guidelines. We also certify that there is no duplication in the claims and
minimal human intervention while submitting the regular interest subvention claim from the branch level
onwards.
We certify that the above claims are true and correct.
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 19
Claim for Additional Interest Subvention @3% on the prompt repayment, For the credit up to Rs 3
lakhs, for the year 2021-2022
Statement for the full year i.e 01.04.2021 to 31.03.2022 : Loans disbursed / outstanding up - to Rs.
3 lakhs
(Rs. in Actuals)
New accounts opened Outstanding as at Regular/Eligible Amount of
Total outstanding as
during the period 31.03.2021 (end of Women SHG interest
at 31.03.2022
2021-2022 previous year) Accounts subvention
No of No of No of No of
Amount Amount Amount Amount Amount
Accounts Accounts Accounts Accounts
0 0.00 0 0.00 0 0.00 0 0.00 0
We certify that the above loans were repaid on time and the benefit of additional 3% interest subvention
has been passed on to the women SHG’s account, reducing the effective rate of interest to 4% for the
prompt payee women SHGs. We also certify that there is no duplication in the claims and minimal human
intervention while submitting the additional interest subvention claim from the branch level onwards.
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 20 - Re: Utilization Certificate under the Credit Linked Capital Subsidy Scheme (CLCSS)
for the year 2021-2022.
(Rs. In Actuals)
Subsidy Amount Subsidy TDR
Name of Unit Amount Rs
received Rs No. Date
-Nil-
We hereby certify that the Capital Subsidy under the Credit Linked Capital Subsidy Scheme(CLCSS)
received in respect of above units during the year 2021-2022 is kept in the form of TDR for the period of
three years as per the CLCSS guidelines of Ministry of MSME.
We have verified the records/books of Bank of Baroda and certify that during FY 2021-2022 an amount of
Rs.NIL has been received by it from the Ministry of MSME, Government of India, New Delhi, as Nodal
Agency under CLCSS (for SSI Sector). The balance of funds available with the Bank as at 31st March
2022. is Rs. Nil.
It is further certified that the subsidy received during FY 2021-2022 under Credit Linked Capital Subsidy
was claimed by Bank of Baroda as the Nodal Agency under the 15% CLCSS for MSE units have been
processed in conformity with the format vide Application/Claim Format/ Pre receipt for CLCSS accounts
and the procedures and the guidelines under CLCSS for Technology Upgradation of MSE units issued by
office of the Development Commissioner, Ministry of MSME, Government of India, New Delhi from time to
time.
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 20_A - Re: Utilization Certificate under the Special Credit Linked Capital Subsidy
Scheme (SCLCSS) for the year 2021-2022.
(Rs. In Actuals)
Subsidy Amount Subsidy TDR
Name of Unit Amount Rs
received Rs No. Date
-Nil-
We hereby certify that the Capital Subsidy under the Special Credit Linked Capital Subsidy
Scheme(SCLCSS) received in respect of above units during the year 2021-2022 is kept in the form of
TDR for the period of three years as per the SCLCSS guidelines of Ministry of MSME.
We have verified the records/books of Bank of Baroda and certify that during FY 2021-2022 an amount of
Rs.NIL has been received by it from the NSIC, Government of India, New Delhi, as Nodal Agency under
SCLCSS (for SSI Sector). The balance of funds available with the Bank as at 31st March 2022 is Rs. NIL.
It is further certified that the subsidy received during FY 2021-2022 under Special Credit Linked Capital
Subsidy was claimed by Bank of Baroda as the Nodal Agency under the 25% SCLCSS for MSE units
have been processed in conformity with the format vide Application/Claim Format/ Pre receipt for
SCLCSS accounts and the procedures and the guidelines under SCLCSS for Technology Upgradation of
MSE units issued by office of The National Small Industries Corporation Limited, New Delhi from time to
time.
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 21_I
Certificate relating to recoveries made post settlement of claims by CGTMSE
Amount remitted to CGTMSE

Total Recovery (Amount in Rs.) Short Amount (Amount in Rs.)
(Amount in Rs.)
Column no 7 of Annexure II & Column no 8 of Annexure II and Column no 9 of Annexure II and

Column 4 of Annexure III Column 5 of Annexure III Column 6 of Annexure III
0.00 0.00 0.00
P.S: 1] “Nil” to be indicated in the table in case there is no shortfall in passing on the recovered amount to
CGTMSE.
2] Accountwise details are provided as Annexure II consolidate for BOB, E-Vijaya Bank & E-Dena Bank
(e-Dena Bank – Claims received on or after 01.04.2019) and Annexure – III (e-Dena bank Branches
claims received prior to 01.04.2019)
The above position certificate is true and correct as on 31st March 2022 as per the books of accounts of
the bank.
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 21_II
BOB Standalone Branches
Total
Rema
Amou Amou
Legal rks (In
nt nt
Amou charg case
Openi transf debite
nt es Closin there
ng Recov erred d to
Transf incurr Recov Amou g is
Balan eries to G/L
Name erred Claim ed for eries nt Balan differe
ce of in the Recov loan Claim
of the Finacl from s recov remitt pendi ce of nce
G/L Total borro ery accou Recd
Claim e Base Recei ery ed to ng for G/L betwe
CGPA Claim Claim wer’s net of nt for Accou
Sl. No settle Loan Branc ved (Amo CGT remitt Claim en
N Recd Recei accou Legal closur nt+Ex
d Accou h during unt MSE ance Recei Colum
Accou ved nt Charg e/ cess
accou nt No (Only 2021- canno during to ved n 12
nt as during es Transf recov
nt for 22 t be 2021- CGT as at and
at 2021- erred ery
SARB greate 22 MSE 31.03. actual
01.04. 22 to over
/ARM r than 2022 Closin
2021 SARB and
B) colum g
/ARM above
n 5) Balan
B Claim
ce)
receiv
ed
remitt
ed to
CGT
MSE
Amou Amou Amou Amou Amou Amou Amou Amou Amou Amou Amou Amou
nt Rs. nt Rs. nt Rs. nt Rs. nt Rs. nt Rs. nt Rs. nt Rs. nt Rs. nt Rs. nt Rs. nt Rs.
4=(1+ 7=(5- 9=(7- 11=(8 12=(4
1 2 3 5 6 8 10 13
2+3) 6) 8) +10) -11)
DHANY
415906 CG201
A 406082. 406082. 406082. Remark
1 000020 604561 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
DEEPA 00 00 00 s
09 33TC
K
REMYA 415906 CG201

642900. 642900. 642900. Remark
2 ANAND 000049 700165 0.00 0.00 1000.00 1000.00 0.00 0.00 0.00 0.00 0.00
00 00 00 s
AN 94 38TC
Partner/Proprietor

Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 21_III
For eDena Branches Where Claim received on or before 31.03.2019 and credited to loan accounts of the borrowers
Legal
Claims
charges
Received
Recoverie incurred Recoverie Amount
on or
s in the for Recovery s remitted pending
before
Name of borrower’ recovery net of to for
Finacle 31.03.201
the Claim s account (Amount Legal CGTMSE remittanc
Loan 9 and
Sl. No settled CGPAN credited during cannot be Charges during e to Remarks
Account 2021-22 greater 2021-22 CGTMSE
borrower to loan
No than
account account
column 2)
Amount Amount Amount Amount Amount Amount
Rs. Rs. Rs. Rs. Rs. Rs.
1 2 3 4=(2-3) 5 6=4-5
Nill

Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate-23
Disclosure on Resolution Plans implemented as on 31.03.2022

(Ref : RBI Circular 07.06.2019 on Prudential Framework for Resolution of Stressed Assets)
Account Details
Rs. in Actuals
RP If Yes,
Asset Asset
Implementati Provision
Date of RP Classification Classification
Account on Involving Held in the
Sl.No Customer ID PAN Number Amount Implementati before RP after RP Remarks
Name in change in Original
on Implementati Implementati
Ownership account if
on on
(Yes/No) any. Amount
-Nil-
Summary
Rs. in Actuals
No of accounts where RP implemented within the
Asset Category Outstanding as on 31.03.2022
time frame
STANDARD 0 0.00
NPA 0 0.00
TOTAL 0 0.00

Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 24 Annex I
Certificate on Claim for Interest Subvention on DAY-NULM loans at 7% Per Annum FY 2021-2022 (Claim Period: FY 2021-2022)
(Online Interest Subvention)
(Amount in Rs)
New Loan Accounts Opened During Outstanding as at 31.03.2021.(end of Amount of interest
CATEGORY Total outstanding as at 31.03.2022.
the Period 01.04.2021. to 31.03.2022. previous period) subvention
NULM No of Accounts Amount No of Accounts Amount No of Accounts Amount Amount
SEP-I 3 270000.00 6 730769.95 9 902573.70 26022.34
SEP-G 0 0.00 5 1223355.49 5 1026382.37 68688.67
SEP- SHG 0 0.00 2 825018.67 2 729186.82 33527.45
SEP -WSHG 0 0.00 2 199424.28 0 0.00 3187.83
TOTAL 3 270000.00 15 2978568.39 16 2658142.89 131426.29
We certify that the above claimed amount and the accounts for whom interest subvention has been claimed on DAY-NULM Web Portal are eligible for
interest subvention as per RBI guidelines. We also certify that there is no duplication in the claims and minimal human intervention while submitting the claim
from the branch level onwards.

Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 24 Annex II
Certificate on Claim for Additional Interest Subvention at 3% on the Prompt Repayment, for Women SHGs FY 2021-2022 (Claim Period: FY 2021-
2022)
(Online Interest Subvention)
(Amount in Rs)
New Loan Accounts Opened Outstanding as at Regular / Amount of
Total outstanding as at
During the Period 01.04.2021. to 31.03.2021.(end of previous Eligible Women Interest
Category 31.03.2022.
31.03.2022. period) SHGs Subvention
No of Accounts Amount No of Accounts Amount No of Accounts Amount No of Accounts Amount
SEP-WSHG 0 0.00 2 199424.28 0 0.00 3 30906.98
We certify that the above loans were repaid on time and the benefit of additional 3% interest subvention has been claimed on DAY-NULM Web portal to the
woman SHG's account, reducing the effective rate of interest to 4% for the prompt payee women SHGs as per RBI guidelines. We also certify that there is
no duplication in the claims and minimal human intervention while submitting the claim from the branch level onwards.
Partner/Proprietor
Firm Reg. No. :

koshish
correya road
kochi
kerala - 682012
Certificat 26
Transfer of Funds to DEA Fund Scheme of RBI
Format of Certificate signed by Statutory Auditors
CERTIFICATE
This is to certify that Unclaimed deposits /other credits ( except Savings bank and Current accounts)
outstanding in the books of the CHAVAKKAD branch of Bank of Baroda for 10 years and above have
been transferred to DEA fund scheme of RBI as per RBI circular No. RBI/2013-14/614 DBOD.No.DEAF
Cell.BC.114/30.01.002/2013-14 May 27, 2014.
There is no entry of unclaimed deposits/other credits (except Savings and Current accounts ) are
outstanding as on 31.03.2022 which is due for transfer to DEA Fund scheme of RBI.
Auditor Remarks :
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 27
CENTRAL TECHNOLOGY UPGRADATION FUND SCHEME (Central - TUFS) SSI / NON
Certificate for the year ended March, 2022 In respect of Subsidy received by BANK OF BARODA
We have verified the records of Bank of Baroda – Branch : CHAVAKKAD / Regional Office : THRISSUR
REGION / Zonal Office : THRISSUR REGION produced before us and certify that during financial year
2021-2022, an amount of Rs.0/- has been utilized by the Bank received from Government of India,
Ministry of Textiles under TUFS for SSI/Non-SSI Textile sector, in respect of the following borrowers’
accounts:
TUFS SUBSIDY DETAILS:
(Rs. In Actuals)
Name of Units Subsidy Amount received Rs Subsidy Amount disbursed Rs
-Nil-
It is further explained to us that the claims, in respect of which interest/capital reimbursed was received
from Government of India, Ministry of Textiles under TUFS for the financial year 2021-2022, have been
processed by the Bank in conformity with the format vide Proforma-V and the guidelines under TUFS
issued by Office of the Textile Commissioner/Ministry of Textiles, Government of India, from time to time.
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 28
ANNUAL CLOSING FOR THE YEAR ENDED 31ST MARCH 2022
Format I A
Claim for 2 Per cent Interest Subvention on Short-term Loans to Animal Husbandry/ Fishery farmers up to Rs 2 lakh for the year 2021-22
Statement for the full year ended March 2022 - Regular Claim.
Total short term credit at 7% p.a.
Amount of subvention
Loans up to Rs.2 lakh. Amount Disbursed/ drawn
No. of Accounts (in Actuals) claimed (Rs in Actuals)
(Rs. in Actuals)
Total Claim 0 0.00 0.00
Of which Claims Toward:
Animal Husbandry 0 0.00 0.00
Fishery 0 0.00 0.00

General SC ST
Loans up to
Rs.2 lakh. No. of Amount Amount of No. of Amount Amount of No. of Amount Amount of
Accounts Disbursed/ subvention Accounts Disbursed/ subvention Accounts Disbursed/ subvention
(in Actuals) drawn (Rs. claimed (in Actuals) drawn (Rs. claimed (in Actuals) drawn (Rs. claimed
(Rs in (Rs in (Rs in
in Actuals) in Actuals) in Actuals)
Total Claim 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00
Animal
0 0.00 0.00 0 0.00 0.00 0 0.00 0.00
Husbandry
Fishery 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00
We certify having disbursed the above loans up to Rs.2 lakh by way of short-term credit to the Animal husbandry/ fishery farmers at 7% p.a. during the year
2021-22 and calculated the interest subvention claim correctly strictly in accordance with the RBI circular FIDD.CO.FSD.BC.No. 10 /05.02.001/2019-20
dated August 26, 2019. Aadhaar Number/AEN of all farmers for whom the IS is being claimed for reimbursement has been captured and available with the
bank and there is no case of claim for reimbursement where Aadhar No./AEN is not available. The claims have been made against short term loans to
fisheries and animal husbandry farmers disbursed through KCC only.
We certify that the above claim for interest subvention of Rs. 0.00 calculated on eligible short term credit to Animal husbandry/ fishery farmers disbursed by
the Bank of Baroda during the period from 01.04.2021 to 31.03.2022 has been found true and correct and strictly in accordance with the RBI circular
FIDD.CO.FSD.BC.No. 10 /05.02.001/2019-20 dated August 26, 2019.
Partner/Proprietor

Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 28_A
Format I B
Claim for 2 Per cent Interest Subvention on Short-term Loans to Animal Husbandry/ Fishery farmers up to Rs 2 lakh for the year 2021-2022
(For Loans disbursed during 01.04.2020 to 31.03.2021 but continued beyond 31.03.2021)
Statement for the full year ended March 2022 - Additional Claim
Total short term credit at 7% p.a
Amount of subvention
Loans up to Rs.2 lakh. Amount Disbursed/
No. of Accounts(in Actuals) claimed(Rs in Actuals)
drawn(Rs. in Actuals)
Total Claim
Animal Husbandry
Fishery
Category-wise claim for 2% Interest Subvention for 2021 - 2022
Loans up to
General SC ST
Rs.2 lakh. No. of Amount Amount of No. of Amount Amount of No. of Amount Amount of
Accounts Disbursed/ subvention Accounts Disbursed/ subvention Accounts Disbursed/ subvention
claimed claimed claimed
drawn (Rs. drawn (Rs. drawn (Rs.
(in Actuals) (Rs in (in Actuals) (Rs in (in Actuals) (Rs in
Total Claim
Animal
Husbandry
Fishery
We certify having disbursed the above loans at 7% p.a. up to Rs.2 lakh by way of short-term credit to the fishery/animal husbandry farmers during the year
2020-2021 and calculated the interest subvention claim correctly strictly in accordance with the RBI circular FIDD.CO.FSD.BC.No. 10 /05.02.001/2019-20
dated August 26, 2019. Aadhaar Number/AEN of all farmers for whom the IS is being claimed for reimbursement has been captured and available with the
bank and there is no case of claim for reimbursement where Aadhar No./AEN is not available. The claims have been made against short term loans to
fisheries and animal husbandry farmers disbursed through KCC only.
We certify that the above claim for interest subvention of Rs. Nil calculated on eligible short term credit to fishery/ animal husbandry farmers disbursed by the
bank during the period from 01.04.2020 to 31.03.2021 has been found true and correct and strictly in accordance with the RBI circular FIDD.CO.FSD.BC.No.
10 /05.02.001/2019-20 dated August 26, 2019.
Partner/Proprietor

Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 28_B
Format II
One - time claim for 3 per cent interest subvention for timely repayment of short-term loans to Animal Husbandry / Fishery farmers up to Rs. 2
lakh disbursed in 2020-21
Statement for the full year ended March 2022
Total short term credit which were
Total short term credit at 7% p.a Amount of
repaid in time
subvention
Loans up to Rs.2 lakh. Amount Disbursed/ Amount Disbursed/
No. of Accounts(in No. of Accounts(in claimed(Rs in
drawn(Rs. in drawn(Rs. in
Actuals) Actuals)
Total Claim 0 0.00 0.00
Animal Husbandry 0 0.00 0.00
Fishery 0 0.00 0.00
Category-wise claim for 3% Interest Subvention for 2021-2022.

Total short term credit which were repaid in time
Loans up to
Rs.2 lakh. General SC ST
Amount of Amount of Amount of
Amount Amount Amount
No. of subvention No. of subvention No. of subvention
Disbursed/ Disbursed/ Disbursed/
Accounts claimed Accounts claimed Accounts claimed
drawn (Rs. drawn (Rs. drawn (Rs.
(in Actuals) (Rs in (in Actuals) (Rs in (in Actuals) (Rs in
Total Claim 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00
Animal
0 0.00 0.00 0 0.00 0.00 0 0.00 0.00
Husbandry
Fishery 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00
We certify that the above mentioned short term loans for which the claim is being made were repaid in time and the benefit of additional 3 percent
subvention has already been passed on to the eligible loanee farmers, thereby bringing down the interest rate to 4 per cent per annum for short term credit
for Animal Husbandry / Fishery, up to Rs.2 lakh disbursed during 2020-21 for these farmers. This claim for additional interest subvention has been
calculated on eligible short term credit to fishery/animal husbandry famers strictly in accordance with the RBI circular FIDD.CO.FSD.BC.No. 10
/05.02.001/2019-20 dated August 26, 2019. Aadhaar Number/AEN of all farmers for whom the PRI is being claimed for reimbursement has been captured
and available with the bank and there is no case of claim for reimbursement where Aadhaar No./AEN is not available.The claims have been made against
short term loans to fisheries and animal husbandry farmers disbursed through KCC only.
We certify that the above claim for 3% additional interest subvention of Rs. 0.00 calculated on eligible short term credit to fishery/ animal husbandry farmers
disbursed by Bank of Baroda during the period from 01.04.2020 to 31.03.2021 has been found true and correct and strictly in accordance with the RBI
circular FIDD.CO.FSD.BC.No. 10 /05.02.001/2019-20 dated August 26, 2019.

Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 29
NPA REVIEW REPORT
This is to certify that, we have reviewed the Reports/ Statements/Financial in respect of Non-Performing Assets (Advances) as at 31st March 2022 of Branch
CHAVAKKAD (THRISSUR REGION : Region) and we confirm that:
The Income Recognition, Asset Classification and Provisions have been made as per the guidelines issued by the Reserve Bank of India from time to time
(Ref. RBI.DOR.No.STR.REC.55/21.04.048/2021-22 dated October 1, 2021) read with Circular DBR.No.BP.BC.45/21.04.048/2018-19 dated June 07,2019.,
DOR.STR.REC.68/21.04.048/2021-22 dated November 12, 2021)
Auditor Remarks :
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 32
Certificate on Classification of Loans under Priority Sector for the Financial Year 2021-2022
We certify that the loans/advances classified under Priority Sector across various categories are strictly
as per their classification detailed in Chapter III of Master Directions on Priority Sector Lending – Targets
and Classification FIDD.CO.Plan.BC.5/04.09.01/2020-21 dated September 04, 2020 (as updated from
time to time).
Auditor Remarks :
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 34
Certificate with respect to accessing Central Fraud Registry (CFR).
We certify that the Central Fraud Registry (CFR) is accessed for information while preparing the credit
appraisal in respect of prospective customers for granting new facilities and for renewal of facilities in
respect of an existing customer for the financial year ended 2021 - 2022.
Auditor Remarks :
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 35
CERTIFICATE ON MEMORANDUM OF CHANGES (MOCs) NOT ACCEPTED BY THE

BANK
We have completed the audit of CHAVAKKAD branch for the year ended 31.03.2022 and issued the
audit report dated ________. We confirm that there are no Memorandum of Changes (MOCs) which have
been recommended by us but have not been accepted by the Branch management except as under (to
be mentioned as nil in case of no such case):
1.MOC 14 Not accepted by Bank $
2.MOC 14D Not accepted by Bank. $
3.MOC 14R Not accepted by Bank. $
The impact of such MOCs have not been included in the details stated in para XXX of our Audit report.
Income increased/ decreased* by: 0
Expenses increased/ decreased* by: 0
Assets increased/ decreased* by: 0
Liabilities increased/ decreased* by: 0
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 37
FOR 5 % PROVISION IN CASE OF SECOND EXTENSION OF DCCO DATE IN PROJECT LOANS:

STANDARD ACCOUNTS For YEAR ENDED ON 31.03.2022.
(Amount in Actuals)
Date
2
of
years
Date Restru 5%
compl
of cturin provisi
Partic DCCO eted Outsta
Projec Accou Origin DCCO g (i.e. DCCO on
Accou ulars Compl since nding
t nt al for Appro Compl Amou
Sl.No CIF ID nt Of eted achiev (Rs. in
Categ Numb DCCO Secon val of etion nt (Rs.
Name Projec (Yes/ ement Actual
ory er Date d secon Date in
t No) of s)
Exten d Actual
DCCO
sion DCCO s)
(Yes/
extens
No)
ion)
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 38
Disclosures Resolution Framework 1.0 for COVID-19-related Stress
Format for disclosures to be made in the half year ending 31.03.2022 (RBI Circular DOR. No. BP.
BC/3/21.04.048/2020-21 Dt 06th August 2020 and further updated vide RBI circular no.
RBI/DOR/2021-22/83 DOR.ACC.REC.No.45/21.04.018/2021-22 Dt 30th August 2021)
(Rs. in Actuals)
Exposure to
accounts
Exposure to
classified as
accounts
Standard
Of (A), Of (A) classified as
consequent to
Aggregate Of (A) amount Amount paid Standard
implementatio Funded
debt that written off by the consequent to
Type of n of resolution Outstanding
slipped into during borrowers implementatio
borrower plan – as on
NPA during 01.10.2021 to during n of resolution
Position as at 31.03.2022
01.10.2021 to 31.03.2022. 01.10.2021 to plan –
the end of the
31.03.2022. 31.03.2022. Position as at
previous half-
the end of
year (A) (i.e.
31.03.2022
as on
30.09.2021)
Personal
39345138.92 1156677.47 0.00 2073648.41 38146264.60 39357912.61
Loans
Corporate
0.00 0.00 0.00 0.00 0.00 0.00
persons*
Of which,
0.00 0.00 0.00 0.00 0.00 0.00
MSMEs
Others 0.00 0.00 0.00 0.00 0.00 0.00
Total 39345138.92 1156677.47 0.00 2073648.41 38146264.60 39357912.61
*As defined in Section 3(7) of the Insolvency and Bankruptcy Code, 2016
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 41
CERTIFICATE ON INTERNAL/OFFICE ACCOUNTS
Bank of Baroda, CHAVAKKAD Branch/Regional office/Zonal Office.
We hereby certify that, we have verified all the Internal/Office accounts related to CHAVAKKAD
Branch/Regional Office/Zonal Office, have not observed any unauthorized transactions in these Accounts
during the FY 2021-2022 except reported below.
Finacle
FMR no. (if
Account no.
Transaction Brief of already
SlNo in which Amount in Rs. Remarks
Date transaction reported as
transaction
fraud)
made
-Nil-
Note:
1) Illustrative list of instances of unauthorized transaction ref no. DBS.CO.PPD./472/11.01.005/2019-20
dated 17th July 2019 reported as Annexure I.
Annexure I: Illustrative list of the modus operandi to operate the internal office accounts for various
unauthorized purposes observed by RBI are given below.
Large number of office accounts did not have common mapping to link it with GL/PL heads. Multiple
office accounts were opened under overdraft/deposits schemes inflating CASA.
The internal accounts should not be unauthorisedly opened with customer ID (UCIC) and operated at
the branch level for parking funds and routing customer transactions including cash.
There should be mandatory requirement for keying-in reference number of the original entries at the
time of reversals and, hence, CBS should identify entries which remained unreconciled for more than
six months or appropriate time horizon depending upon its nature and warranted provision.
The branches (authorised to conduct Government business) may avoid open and operating
adjustment/settlement accounts in the name of Government officers instead of routing the
Government transactions through the designated accounts.
Several internal accounts mapped as liabilities in GL had debit balance which were netted against
credit balances of other liabilities GLs while finalising accounts and consequently did not carry out
age-wise reconciliation.
Many P&L accounts having inherent nature of 'receipts' only neither had 'debit freeze' nor had any
restriction of keying-in reference ID while being used for reversing charges. This lead to revenue
leakage and possible mis-utilization of these accounts.
To avoid large cash deposits into the customers' accounts that may be routed through internal office
accounts in order to disguise cash transactions in the customer's accounts and thus bypass the CTR I
STR rules.
Different modus operandi have been used to bypass system-based identification of NPAs, upgrade
accounts marked as NPA by some of the Banks or use of internal accounts for routing unauthorized
and unrelated entries. The modus operandi includes:
•Changing the repayment schedule of loan accounts in the system without any sanction for restructuring
of the account(s)
•Using bank's internal account(s) for
Debiting a General Ledger head, such as, 'Other liabilities' and crediting the loan account which has
already been marked as NPA or SMA by the system; or
Debiting the "Other liabilities" and crediting a "No lien" account (an internal account of the bank used for
parking proceeds of compromise settlement cases).Thereafter, the "No lien" account is debited and the
loan account is credited; or
Debiting the "Other liabilities" and crediting the "Tax collections" account (an internal account of the
bank). Thereafter, debiting the "No lien" account and crediting the loan account.
•Crediting a dummy entry of Nil value to the borrower account and then debiting the same account. In
between the two entries, the IRAC status is manually changed to "Standard".
•Opening a new loan account for an existing borrower wherein a fresh disbursement should not made to
the account. The funds from the account are then transferred to an existing loan account.
•Opening of a new account of the existing borrower with different or same facility should be avoided to
close the account as compromise settlement / Write off by transferring funds from the new account
through the "Other liabilities" account.
Passing the entries in a branch mode (one debit and credit to multiple accounts) should be avoided.
Consequently, the respective account statement did not indicate the name of the contra account.
In some other cases, it should be avoided that the reversal entries were passed in "correction" mode.
Consequently, one leg of the transaction appeared in the account statement but the entry passed in
"correction mode" is not reflected in the statement. Further, the account balance remained
unchanged.
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 42
One-time Claim for Interest Subvention & Prompt Repayment Incentive to Short-term Crop Loans
up to Rs.3 lakh in view of the extended repayment period on account of COVID-19 Outbreak
Statement of claims for the extended Period up to 30.06.2021 or actual date of repayment
on account of COVID-19 Outbreak
Out of which accounts which were

Total short term production credit benefited by the extended
at 7% p.a repayment period on account of Amount of
Loans up to COVID-19 subvention
Rs.3 lakh. Amount Amount claimed (Rs in
No. of Accounts Disbursed/ No. of Accounts Disbursed/ Actuals)
(in Actuals) drawn (Rs in (in Actuals) drawn (Rs in
Actuals) Actuals)
2% IS 0 0.00 0.00
3% PRI 0 0.00 0.00
Category-wise claim for extended Period up to 30.06.2021 or actual date of repayment on

account of COVID-19 Outbreak.
Total short term production credit which were repaid in time period extended on account of
COVID-19
General SC ST
Loans up
to Rs.3 L Amount Amount Amount
Amount Amount Amount
No. of of No. of of No. of of
Disburse Disburse Disburse
accounts subventio accounts subventio accounts subventio
d / drawn d / drawn d / drawn
n claimed n claimed n claimed
2% IS 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00
3% PRI 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00
We certify that the above loans for which the claim is being made were benefited by the extension of
repayment period up to 30.06.2021 or date of repayment whichever is earlier (i.e KCC which were due
between 01.03.2021 & 30.06.2021) and repaid in time and the benefit of 2 percent as well as 3 percent
interest subvention has already been passed on to the account holders, thereby bringing down the
interest rate for such farmers to 4 per cent per annum for short term production credit up to Rs.3 lakh
disbursed during 2020-2021 for these farmers. Aadhaar Number/AEN of all farmers for whom the IS and
PRI is being claimed for reimbursement has been captured and available with the bank and there is no
case of claim for reimbursement where Aadhaar No./AEN is not available.The claims have been made
against short term crop loans to farmers disbursed through KCC only.
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 43
Claim for 3% Interest Subvention and CGTMSE fee for loan upto 2.00 crore under Agriculture
Infrastructure fund (AIF) scheme for the FY 2021-2022
Interest subvention CGTMSE Fee
Amount Amount of Amount Amount of

AIF No. of No. of
Disbursed Subvention Disbursed CGTMSE Fee
Accounts (in Accounts (in
(Rs. in Claimed (Rs. (Rs. in Claimed (Rs.
Actuals) Actuals)
Actuals) in Actuals) Actuals) in Actuals)
Loans up to
0 0.00 0 0 0.00 0
Rs. 2 crores
We certify that having disbursed the above loans at a maximum interest rate of 9% p.a. up to Rs. 2 crores
under Agriculture Infrastructure fund during the financial year 2021-2022.
Certificate:
The 3% Interest Subvention claim of Bank of Baroda under Agriculture Infrastructure fund for the year
ended 31st March, 2022 is Rs. 0. We certify that the total claim of Rs.0 of the Bank is true and correct.
The claim towards CGTMSE fee of Bank of Baroda under Agriculture Infrastructure fund for the year
ended 31st March, 2022 is Rs.0. We certify that the total claim of Rs. 0 of the Bank is true and correct.
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 44
Compliance to the Provision of MSME Development Act, 2006
Bank of Baroda, CHAVAKKAD Branch/Regional office/Zonal Office.
We hereby certify that the CHAVAKKAD (4159) Branch/Regional Office/Zonal Office/ Corporate Office is
complying with the extant provisions of MSME Development Act, 2006 and there has been no reported
cases of any delayed payments of the principal amount or interest due thereon to Micro, Small and
Medium Enterprises.
Auditor Remarks :
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 45 Part I
Accounts where Resolution Plan was implemented as per Resolution Framework 1.0 and further
Moratorium and /or extension of residual tenor is provided / extended as per Resolution
Framework 2.0 (RBI Circular DOR.STR.REC.11/21.04.048/2021-22 Dt 05th May 2021 and Bank’s
circular no. BCC/BR/113/285 dated 29.05.2021) RELATED STRESS OF INDIVIDUAL & SMALL
BUSINESS - POSITION AS ON 31.03.2022
(Rs. in Actuals)
(A)
(C) Of (A),
Number of
No of
accounts
accounts
where
(B) where (D)
resolution
Exposure further Exposure
plan had (E)
to Moratoriu to
been Funded
accounts m and /or accounts
implement Outstandin
mentioned residual mentioned
ed as per g as on
at (A) as tenor is at (C) as
Resolution 31.03.202
on extended on
Framewor 2
31.03.202 as per RBI 31.03.202
k 1.0 (RBI
2 circular 2
Circular
dated
dated
05.05.202
06.08.202
1
0)
Individual 58.00 39357912.61 32.00 28699113.42 27845998.01
FINACLE Small
26.00 12365178.54 26.00 12365178.54 12119628.54
ACCOUNTS Business
Total 84.00 51723091.15 58.00 41064291.96 39965626.55
Individual 0.00 0.00 0.00 0.00 0.00

POOL
Small
PURCHASE 0.00 0.00 0.00 0.00 0.00
Business
ACCOUNTS*
Total 0.00 0.00 0.00 0.00 0.00
TOTAL Individual 58.00 39357912.61 32.00 28699113.42 27845998.01

Small
26.00 12365178.54 26.00 12365178.54 12119628.54
Business
Total 84.00 51723091.15 58.00 41064291.96 39965626.55
* Applicable to identified Branches viz. Worli - Mumbai, Nariman Point - Mumbai, Tardeo - Mumbai, CFS
Chennai, B3 – Delhi, Ernakulam Main, CFS Ahmedabad, Ashram Road – Ahmedabad, Brabourn Road -
Kolkata, Malviya Nagar - Jaipur, Sadashivpeth – Pune, Brigade Road – Banglore.
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 45 Part II - Disclosures on Resolution Plan Implemented under Resolution Framework
2.0 for Quarter Ending 31.03.2022
RESOLUTION PLAN HAS BEEN IMPLEMENTED AS PER RBI CIRCULAR

DOR.STR.REC.12/21.04.048/2021-22 DATED MAY 05, 2021 (Bank’s circular no. BCC/BR/113/286)
dated 29.05.2021) ON RESOLUTION FRAMEWORK – 2.0: RESOLUTION OF COVID-19 RELATED
STRESS OF MSMEs - POSITION AS ON 31.03.2022
FUNDED
TYPE OF NO OF RESIDUAL DEBT
PROVISION OUTSTANDING AS
BORROWER BORROWERS AS ON 31.03.2022
ON 31.03.2022
FINACLE
7.00 3968614.18 439578.77 3894114.18
ACCOUNTS
POOL PURCHASE
0.00 0.00 0.00 0.00
ACCOUNTS*
TOTAL 7.00 3968614.18 439578.77 3894114.18
* Applicable to identified Branches viz. Nariman Point - Mumbai, Tardeo - Mumbai, CFS Chennai, B3 –
Delhi, Ashram Road – Ahmedabad, Brabourn Road - Kolkata, Malviya Nagar - Jaipur, Sadashivpeth –
Pune, Brigade Road – Banglore.
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 45 Part III - Disclosures on Resolution Plan Implemented under Resolution Framework
2.0 for Quarter Ending 31.03.2022
RESOLUTION PLAN HAS BEEN IMPLEMENTED AS PER RBI CIRCULAR

DOR.STR.REC.11/21.04.048/2021-22 DATED MAY 05, 2021 (Bank’s circular no. BCC/BR/113/285
dated 29.05.2021) ON RESOLUTION FRAMEWORK– 2.0: RESOLUTION OF COVID-19 RELATED
STRESS OF INDIVIDUALS AND SMALL BUSINESSES - POSITION AS ON 31.03.2022
POOL PURCHASE
FINACLE ACCOUNTS TOTAL
ACCOUNTS*
INDIVIDUAL INDIVIDUAL INDIVIDUAL

DESCRI
SL NO BORROWERS SMALL BORROWERS
SMALL BORROWERS
SMALL
PTION
PERSO BUSINE BUSINE PERSO BUSINE BUSINE PERSO BUSINE BUSINE
NAL SS SS NAL SS SS NAL SS SS
LOAN LOAN LOAN LOAN LOAN LOAN
Number
of
requests
received
A for 68.00 0.00 51.00 0.00 0.00 0.00 68.00 0.00 51.00
invoking
resolutio
n
process
Number
of
account
s where
resolutio
n plan
B has 68.00 0.00 51.00 0.00 0.00 0.00 68.00 0.00 51.00
been
impleme
nted
under
this
window
Exposur
4932693 4035013 4932693 4035013
C e to 0.00 0.00 0.00 0.00 0.00
9.95 5.80 9.95 5.80
account
s
mention
ed at (B)
before
impleme
ntation
of the
plan
Of (C),
aggrega
te
amount
of debt
D that was 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
converte
d into
other
securitie
s
Addition
al
funding
sanction
ed, if
any,
includin
E 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
g
between
invocati
on of the
plan and
impleme
ntation
Total
provisio
ns on
account
F of the 4996928 0.00 4051846
0.00 0.00 0.00
4996928
0.00
4051846
impleme .96 .77 .96 .77
ntation
of the
resolutio
n plan
Funded
4859669 3789033 4859669 3789033
G Outstan 0.00 0.00 0.00 0.00 0.00
3.95 1.74 3.95 1.74
ding
* Applicable to identified Branches viz. Nariman Point - Mumbai, Tardeo - Mumbai, CFS Chennai, B3 –
Delhi, Ashram Road – Ahmedabad, Brabourn Road - Kolkata, Malviya Nagar - Jaipur, Sadashivpeth –
Pune, Brigade Road – Banglore.
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 46
Claim for 3% Interest Subvention and CGTMSE fee for loan under Animal Husbandry
Infrastructure Development fund (AHIDF) scheme for the FY 2021-2022
Interest subvention CGTMSE
Amount Amount of Amount Amount of

No. of No. of
Disbursed Subvention Disbursed CGTMSE Fee
Accounts (in Accounts (in
(Rs. in Claimed (Rs. (Rs. in Claimed (Rs.
Actuals) Actuals)
Actuals) in Actuals) Actuals) in Actuals)
AHIDF Loans 0 0.00 0 0 0.00 0
We certify that having disbursed the above loans at a maximum interest rate of 9% p.a. under Animal
Husbandry Infrastructure Development fund (AHIDF) during the financial year 2021-2022.
Certificate:
The 3% Interest Subvention claim of Bank of Baroda under Animal Husbandry Infrastructure
Development fund for the year ended 31st March, 2022 is Rs. 0 . We certify that the total claim of Rs. 0 of
the Bank is true and correct.
The claim towards CGTMSE fee of Bank of Baroda under Animal Husbandry Infrastructure Development
fund for the year ended 31st March, 2022 is Rs.0 We certify that the total claim of Rs. 0 of the Bank is
true and correct.
Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012
Certificate 47
Amounts written off during the year 31st March 2022.

Category of Bad Debts written off No. of Accounts Amount (in Actuals)
(A) DOMESTIC ADVANCES
(a) Advances to Priority Sector
i. Agriculture 1 48890.00
Small Scale
ii.
Industries
Transport
iii.
Operators
Retail Trade &

iv. 15 417048.98
Small Business
Professional & Self

v.
Employed
Advances under
vi.
DRI Scheme
vii. Exports
viii. Housing
Other Priority
ix. 0 0.00
Sector
Total of Priority
16 465938.98
sector (a)
b) Advances to Non- Priority Sectors
i. Industry
ii. Trade & business
Other Non-Priority
iii. 2 69538.90
Sector
Total of Non-Priority
2 69538.90
sector(b)
C) Other losses/Assets Written off 0 0.00
TOTAL (A+B+C)* 18 535477.88
*Amount to tally with Code P-1720- Bad Debts Written off

Partner/Proprietor
Firm Reg. No. :
koshish
correya road
kochi
kerala - 682012

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Annual Submission 2021-22

Branch Name CHAVAKKAD

Branch Code 4159

Region THRISSUR REGION

The Statutory Central Auditors

BIC: 4159 BRANCH: CHAVAKKAD REGION: THRISSUR REGION

CERTIFICATE ON REMITTANCE TO DICGC

Scheme-wise breakup is as under:

Govt’s Scheme for

Recovery under Small Loans Guarantee Scheme

Authenticated By, For Auditor,

Branch Manager Name : SHINE K SASI For T KOSHY & CO

Employee Code : 160785 Chartered Accountants

Designation : SENIOR MANAGER ANSEN P A

Membership No. : 251405

Firm Reg. No. :

BIC: 4159 BRANCH: CHAVAKKAD REGION: THRISSUR REGION

Ghosh Committee Recommendations

Rec.No. Nature of Recommendation Status of Implementation

Group A Part I Not Applicable

Joint custody and dual

Transaction in the Currency Chest

Adhering to the prescribed norms

System of exclusive scrutiny of

Special scrutiny of high value

Monthly certificate on inspection

9.9 Adoption of preventive measures Yes, Implemented

Rotation of staff/duties and

Desk card for staff to be prepared.

Financial and administrative

Group A Part II Not Applicable

Precautions in handling cash and

Precautions against theft of cash-

Precautions against shortage in

Proper systems should be

Banks should evolved proper

Precautions against misusing

exercise of caution at the time of

Customers to be educated about

Close watch on the operations in

Issue of fresh cheque books

Balancing of ledgers periodically

Safe custody of/ access to

Safe custody of specimen

Blank draft and mail transfer

Way in which telegraphic/telex

Precautions against frauds

Precautions against frauds

Safe transit of cheques and

Precautions to be taken to prevent

Observance of laid down

Check list of guideline to avoid

Safeguards against frauds

Precautions against frauds in bills

Precautions for averting frauds in

One of two authorised signatures

Bills discounting facility under L/C,