LFAR Final 2023 Gopalpur

Run date :07/04/2023
LFAR FINAL AUDIT REPORT
Branch 9022-GOPALPUR Zone BHOPAL

NBG NBG MP-CHHATISGARH Name of the Auditor Audior4673
Type of Audit Statutory Branch Audit Financial Year 2022-2023
Page 1 of 75
General Banking
LR1 - Asset
LR1A - Cash
1 Does the system ensure that cash maintained is in effective joint custody of two
or more officials, as per the instructions of the controlling authorities of the bank?
Complied
Observation
Based on our review,the system ensures that cash maintained is in effective joint
custody of two or more officials, as per the instructions of the controlling
authorities of the Bank.
2 Have the cash balances at the branch/ATMs been checked at periodic intervals
as per the procedure prescribed by the controlling authorities of the bank?
Complied
Observation
Based on sample verification conducted by us,the cash balances at the
branch/ATMs been checked at periodic intervals as per the procedure prescribed
by the controlling authorities of the bank.
3 Does the branch generally maintain / carry cash balances, which vary
significantly from the limits fixed by the controlling authorities of the bank? No. of
days during the financial year, wherein cash balance has exceeded the retention
limit/ Date- wise instances of excessive cash should be reported
Not Complied
Observation
As Per the Annexure
Cash Balance exceeding the Retention limit (Part-1)
Amt in Rs.Lakhs
Cash retention limit of the branch 943208.00 Applicable or Not YES
No Of Days
During The
Financial Year,
When Cash Branch
Sl.No Zone Name Branch Code Branch Name Observation ZO Comment HO Comment
Balance Has Comment
Exceeded The
Retention
Limit.
Cash Rention
limit fixed for the
branch is 0.25%
of the Deposits.
However branch
carries cash
balances on
almost all the
days during the
year which
exceed
1. 34-BHOPAL 9022 GOPALPUR 271.00
significanlly
from the limit et
for the Branch.
As discussed,
excess cash
balance have
not been
reported
separtely as
Branch is Under
CBS system.
Page 2 of 75
4 Does the figure of the balance in the branch books in respect of cash with its ATM(s) tally with
the amounts of balances with the respective ATMs, based on the year end scrolls generated by
the ATMs? If there is any difference, same should be reported.
Not Applicable
5 Whether the insurance cover available with the branch adequately meets the
requirement to cover the cash-in hand and cash-in transit?
Not Complied
Observation
As informed, insurance policies are taken by head office and no record is
avaialble in the branch.
LR1B - Balances with Reserve Bank of India, State Bank of India and other banks (For
branches with Treasury Operations)
6 Were balance confirmation certificates obtained in respect of outstanding balances as at the

year-end and whether the aforesaid balances have been reconciled? The nature and extent of
differences should be reported.
Not Applicable
7 Observations on the reconciliation statements may be reported in the following manner: (Please
select COMPLIED in case of no observation, else select NOT COMPLIED)
Not Applicable
8 Cash transactions remaining un-responded (give details). Select 'Complied' if no transactions

remain un-responded, else select 'Not Complied'
Not Applicable
9 Revenue items requiring adjustments / write-off (give details). Select 'Complied' if no items
require adjustment or writeoff, else select 'Not Complied'
Not Applicable
10 Other credit and debit entries originated in the statements provided by RBI/other banks,
remaining un-responded for more than 15 days:
Not Applicable
11 Where the branch maintains an account with RBI, the following additional matter may be
reported: Entries originated prior to, but communicated / recorded after the year end in relation to
currency chest operations at the branch/other link branches, involving deposits into/withdrawals
from the currency chest attached to such branches (Give details)
Not Applicable
12 In case, any matter deserves special attention of the management, the same may be reported.
(COMPLIED means no matter requires attention, else select NOT COMPLIED)
Not Applicable
LR1C - Money at Call and Short Notice
13 Has the branch kept money-at-call and short notice during the year?
Not Applicable
Page 3 of 75
14 Has the year-end balance been duly confirmed and reconciled?
Not Applicable
15 Has interest accrued up to the year-end been properly recorded?

Not Applicable
16 Whether instructions/guidelines, if any, laid down by the controlling authorities of the bank
have been complied with?
Not Applicable
LR1D - Invesment
17 In respect of purchase and sale of investments, has the branch acted within its delegated
authority, having regard to the instructions/ guidelines in this behalf issued by the controlling
authorities of the bank?
Not Applicable
18 Have the investments held by the branch whether on its own account or on behalf of the Head
Office/other branches been made available for physical verification? Where the investments are
not in the possession of the branch, whether evidences with regard to their physical verification
have been produced?
Not Applicable
19 Is the mode of valuation of investments in accordance with the RBI guidelines or the norms
prescribed by the relevant regulatory authority of the country in which the branch is located
whichever are more stringent?
Not Applicable
20 Whether there are any matured or overdue investments which have not been encashed and /
or has not been serviced? If so, give details?
Not Applicable
LR1E - Advances-(B.Credit Appraisal)
21 In your opinion, has the branch generally complied with the procedures /
instructions of the controlling authorities of the bank regarding loan applications,
preparation of proposals for grant/ renewal of advances, enhancement of limits,
etc., including adequate appraisal documentation in respect thereof. What, in your
opinion, are the major shortcomings in credit appraisal, etc.
Not Complied
Observation
NA
Advances-Major Shortcomings in Credit Appraisal
Amt in Rs.Lakhs
Applicable or Not NA
Nature
Balance Major Branch ZO HO
Sl. Zone Branch Branch Account Account Sanction of
Facility Outstan Shortco Commen Commen Commen
No Name Code Name Name No ed Limit Descripti
ding mings t t t
on
34- GOPALP
1. 9022 0.00 0.00 Select
BHOPAL UR
Page 4 of 75
22 Have you come across cases of quick mortality in accounts, where the facility
became non-performing within a period of 12 months from the date of first
sanction? Details of such accounts may be provided (Complied denotes no cases
encountered, else select Not Complied)
Complied
Observation
Based on our verification of advances on sample basis, we have not come across
cases of quick mortality in accounts, where the facility became non-performing
within a period of 12 months from the date of first sanction.
23 Whether in borrowal accounts the applicable interest rate is correctly fed into
the system?
Complied
Observation
Based on sample verification of advances, the applicable interest rate is correctly
fed into the system
24 Whether the interest rate is reviewed periodically as per the guidelines

applicable to floating rate loans linked to MCLR / EBLR (External Benchmark
Lending Rate)?
Complied
Observation
Based on sample verification of advances, the interest rate is reviewed
periodically as per the guidelines applicable to floating rate loans linked to MCLR /
EBLR
25 Have you come across cases of frequent renewal / rollover of short-term

loans? If yes, give the details of such accounts by selecting NOT COMPLIED
option
Complied
Observation
Based on sample verification of advances, we have not come across cases of
frequent renewal / rollover of short-term loans.
26 Whether correct and valid credit rating, if available, of the credit facilities of
bank's borrowers from RBI accredited Credit Rating Agencies has been fed into
the system?
Complied
Observation
Based on verification of advances on sample basis, the correct and valid credit
rating available on the credit facilities of bank’s borrowers from RBI accredited
Credit Rating Agencies has been fed into the system.
LR1F - Advances-(C.Sanctioning / Disbursement)
27 credit facilities having been sanctioned beyond the delegated authority or limit
fixed for the branch?
Complied
Observation
Based on verification of advances on sample basis, credit facilities have not been
sanctioned beyond the delegated authority or limit fixed for the branch.
Page 5 of 75
28 Are such cases promptly reported to higher authorities?
Not Applicable
29 Whether advances have been disbursed without complying with the terms and
conditions of the sanction? If so, give details of such cases.
Not Complied
Observation
As per Annexure
Advances-Credit facilities have been disbursed without complying with the terms and
conditions of the sanction
Amt in Rs.Lakhs
Applicable or Not YES
Balance Nature Nature

Sanctio Branch ZO HO
Sl. Zone Branch Branch Accoun Accoun Type of As At Of Remark of
ned Comme Comme Comme
No Name Code Name t Name t No Facility Year Irregula s Descrip
Limit nt nt nt
End rity tion
Affidavit
of
Change
PARMA in
34- NAND 9022763 01.Crop Father Not
GOPAL 1494000 1074248
1. BHOPA 9022 S\O 1000032 Loan Name Applicab
PUR .00 .40
L HARIRA 0 (incld. not in le
M JAT records
as per
sanction
letter
pre
disburse
ment
conditio
NANDL n of
34 - AL JAT 9022763 01.Crop sanction Not
GOPAL 1570000 1163243
2. BHOPA 9022 SO 1000029 Loan letter not Applicab
PUR .00 .24
L BABUL 1 (incld. fulfiled le
AL JAT regard
to close
of old
Loan
account
30 Did the bank provide loans to companies for buy-back of shares/securities?

Not Applicable
LR1G - Advances-(D.Documentation)
31 Credit facilities released by the branch without execution of all the necessary
documents? If so, give details of such cases.
Complied
Observation
Based on verification of advances on sample basis, we have not come across
instances of credit facilities released by the branch without execution of all the
necessary documents
32 Deficiencies in documentation, including non-registration of charges, non-

obtaining of guarantees, etc.? If so, give details of such cases.
Not Complied
Observation
Page 6 of 75
As per Annexure
Advances-Deficiencies in documentation, including non-registration of charges, non-
obtaining of guarantees, etc
Amt in Rs.Lakhs
Balance Deficien Nature

Sl. Zone Branch Branch Accoun Accoun Type of As At cies In Remark of
No Name Code Name t Name t No Facility Year Docum s Descrip
Limit nt nt nt
End entation tion
In case
of
vehicle
loan
where
registrati
on
34- 9022761 01.Crop RC certificat
GOPAL KAILAS 1500000 1534415
1. BHOPA 9022 1000039 Loan Copy e/
PUR H JAT .00 .00
L 9 (incld. Missing transfer
certificat
e/ bill/
receipt
etc are
not
obtained
.
In case
of
vehicle
loan
where
registrati
OMPRA Insuranc on
34 - KASH 9022762 e and certificat
GOPAL 03.Other 100000. 44562.0
2. BHOPA 9022 JAT SO 1000034 RC e/
PUR Agri 00 0
L BHUJR 6 Copy transfer
AM JAT Missing certificat
e/ bill/
receipt
etc are
not
obtained
.
RC
Copy
Missing,
Borrowe
r
Accident
SANDE al
34 - 9022762 Not
GOPAL EP SO 03.Other 1500000 964827. Insuranc
3. BHOPA 9022 1000035 Applicab
PUR REVAR Agri .00 00 e Policy
L 5 le
AM not in
files,
Latest
Physical
Photo of
Vehcile
missing
Sanction
JAMNA letter not
PARAS fully
34 - 9022762 Not
GOPAL HAR 03.Other 9000000 7770157 filed,
PUR SONS Agri .00 .00 prepaym
L 2 le
WAREH ent
OUSE clause
blank
Page 7 of 75
Limit nt nt nt
End entation tion
In case
of
As pe vehicle
Sanction loan
letter where
bank registrati
name to on
34 - 9022762 be there certificat
GOPAL KAILAS 03.Other 1900000 1821373
5. BHOPA 9022 1000037 on the e/
PUR H JAT Agri .00 .72
L 9 vehicle, transfer
photo is certificat
missing e/ bill/
to verify receipt
the etc are
same. not
obtained
.
RAMBH Renewal TDR/ST
AROS noting DR was
34 - 9022611 02.Loan
GOPAL TADA 550000. 674188. on not
6. BHOPA 9022 1000033 Against
PUR S\O 00 21 physical discharg
L 9 TDR
HEMRA FDR not ed/
J made renewed
MAYA Renewal TDR/ST
BAI noting DR was
34 - 9022611 02.Loan
GOPAL MEENA 500000. 574421. on not
PUR D/O 00 00 physical discharg
L 1 TDR
JAGAN FDR not ed/
NATH made renewed
Renewal TDR/ST
SUGAN
noting DR was
34 - A BAI 9022611 02.Loan
GOPAL 79000.0 113381. on not
8. BHOPA 9022 W/O 1000031 Against
PUR 0 00 physical discharg
L KACHR 0 TDR
FDR not ed/
ULAL
made renewed
Renewal TDR/ST
POOJA noting DR was
34 - 9022611 02.Loan
GOPAL JAT D/O 79000.0 104579. on not
PUR KACHR 0 58 physical discharg
L 1 TDR
U LAL FDR not ed/
made renewed
AAYUS
Renewal TDR/ST
H
noting DR was
34 - MAHES 9022611 02.Loan
10 GOPAL 250000. 218363. on not
BHOPA 9022 HWARI 1000032 Against
. PUR 00 87 physical discharg
L SO 7 TDR
FDR not ed/
BADRIP
made renewed
RASAD
Page 8 of 75
Limit nt nt nt
End entation tion
1.
Renewal
date
mention
ed in
sanction
letter
dated
March
2022, is
mention
ed as 28
March
2020
instead
of 28
March
2023 2.
In
RAJSH Sanction
34 - REE 9022301 Letter Not
11 GOPAL 740000. 723248.
BHOPA 9022 SAREE 1000012 01.Micro Point No Applicab
. PUR 00 71
L CENTE 8 18 Loan le
R Amount
is 25
Lacs
instead
of 7.40
Lacs 3.
In
Sanction
Letter
Point No
21
Processi
ng
Charges
,
Docume
ntation
Charges
, etc are
blank
33 Advances against lien of deposits have been granted without marking a lien on
the bank deposit receipts and the related accounts in accordance with the
guidelines of the controlling authorities of the bank.
Complied
Observation
Based on verification of advances on sample basis,no Advances against lien of
deposits have been granted without marking a lien on the bank’s deposit receipts
and the related accounts in accordance with the guidelines of the controlling
authorities of the bank.
LR1H - Advances-(E.Review/Monitoring/Supervision)
34 Is the procedure laid down by the controlling authorities of the bank, for
periodic review of advances, including periodic balance confirmation /
acknowledgement of debts, followed by the branch? Provide analysis of the
accounts overdue for review/renewal. What, in your opinion, are major
shortcomings in monitoring, etc a) between 3 to 6 months, and b) over 6 months
Not Complied
Observation
As per Annexure
Page 9 of 75
Advances-Detail of accounts overdue for review/renewal
Amt in Rs.Lakhs
Balanc Nature
Sl Accou Sancti Review Branch ZO HO
Zone Branch Branch Accou Type of e As At Remar of
.N nt oned Overdu Ageing Comm Comm Comm
Name Code Name nt No Facility Year ks Descri
o Name Limit e Since ent ent ent
End ption
Periodi
c
Renew review/
al due renewal
in of
SACHI
34- 902230 3 to 6 January advanc
GOPAL N 01.Micr 200000 200194 17/01/2
1. BHOPA 9022 110000 MONT 2023, es are
PUR TRADE o 0.00 2.00 023
L 132 HS no not
RS
docume done as
nt laid
found down
by
bank.
35 Are the stock/book debt statements and other periodic operational data and
financial statements, etc., received regularly from the borrowers and duly
scrutinized? Is suitable action taken on the basis of such scrutiny in appropriate
cases?
Not Complied
Observation
As per Annexure
Advances-Detail of accounts where stock/book debt statements and other periodic
operational data is not received regularly and duly scrutinized
Amt in Rs.Lakhs
Amount in Rs YES
Date of
latest
Balance Stock/b Nature
Sl. Zone Branch Branch Accoun Accoun Type of As At ook Remark of
No Name Code Name t Name t No Facility Year debt/fin s Descrip
Limit nt nt nt
End ancial tion
stateme
nt, etc
The
Stock
stock,
Stateme
book
nt are
debts
not
stateme
34- SACHIN 9022301 regular
GOPAL 2000000 2001942 nts were
1. BHOPA 9022 TRADE 1000013 01.Micro same
PUR .00 .00 not
L RS 2 are not
received
matchin
regularly
g with
/
the
promptly
system
.
The
Stock
stock,
Stateme
book
nt are
debts
not
stateme
34 - RAJPUT 9022301 regular
GOPAL 1000000 993661. nts were
PUR .00 97 not
L RS 1 are not
received
matchin
regularly
g with
/
the
promptly
system
.
Page 10 of 75
Date of
latest
Limit nt nt nt
End ancial tion
stateme
nt, etc
The
Stock
stock,
Stateme
book
nt are
debts
RAJSH not
stateme
34 - REE 9022301 regular
GOPAL 740000. 723248. nts were
3. BHOPA 9022 SAREE 1000012 01.Micro same
PUR 00 00 not
L CENTE 8 are not
received
R matchin
regularly
g with
/
the
promptly
system
.
The
Stock
stock,
Stateme
book
nt are
debts
ROUNA not
stateme
34 - K 9022301 regular
PUR 00 00 not
L SHOWR 3 are not
received
OOM matchin
regularly
g with
/
the
promptly
system
.
The
Stock
stock,
Stateme
book
nt are
debts
not
FASHIO stateme
34 - 9022301 regular
GOPAL N 200000. 109569. nts were
5. BHOPA 9022 1000004 01.Micro same
PUR FAMILY 00 00 not
L 4 are not
SHOP received
matchin
regularly
g with
/
the
promptly
system
.
The
Stock
stock,
Stateme
book
nt are
CHITRA debts
not
NSH stateme
34 - 9022301 regular
GOPAL AGENC 750000. 747838. nts were
PUR Y 00 00 not
L 6 are not
GOPAL received
matchin
PUR regularly
g with
/
the
promptly
system
.
36 Is the DP properly computed?

Not Complied
Observation
It has been observed that Drawing Power Feeded in system is different than the
Actual documents in files.
37 Whether the latest audited financial statements are obtained for accounts
reviewed / renewed during the year?
Not Complied
Observation
As per Annexure
Advances-(E.Review/Monitoring/Supervision)
Amt in Rs.Lakhs
Page 11 of 75
Outstandi Nature of
Sl. Zone Branch Branch Account Account Sanction Branch ZO HO
ng Remarks Descripti
No Name Code Name Name No ed Limit Comment Comment Comment
Balance on
Financials
were not
available
in the
files,
BABULAL
same
AND
34- GOPALP 90227621 13000000 11429442 have been Not
1. 9022 SONS
BHOPAL UR 0000360 .00 .36 produced Applicable
WAREHO
before us
USE
after
same has
been
asked by
us.
Financials
were not
available
in the
files,
MAA same
34 - GOPALP GEETA 90227621 9600000. 8288653. have been Not
2. 9022
BHOPAL UR WAREHO 0000361 00 00 produced Applicable
USE before us
after
same has
been
asked by
us.
Financials
were not
available
in the
files,
JAMNA
same
PARASH
34 - GOPALP 90227621 9000000. 7770157. have been Not
3. 9022 AR SONS
BHOPAL UR 0000362 00 00 produced Applicable
WAREHO
before us
USE
after
same has
been
asked by
us.
Financials
were not
available
in the
files,
same
SACHIN
4. 9022 TRADER
S
before us
after
same has
been
asked by
us.
Financials
were not
available
in the
files,
AJAZ same
34 - GOPALP KHAN SO 90223011 300000.0 293643.5 have been Not
5. 9022
BHOPAL UR ANWAR 0000144 0 1 produced Applicable
KHAN before us
after
same has
been
asked by
us.
38 Whether there exists a system of obtaining reports on stock audits periodically?

Not Applicable
Page 12 of 75
39 If so, whether the branch has complied with such system?
Not Applicable
40 Details of cases where stock audit was required but was not conducted
Not Applicable
41 Details of cases where stock audit was conducted but no action was taken on adverse
features
Not Applicable
42 Indicate the cases of advances to non- corporate entities with limits beyond
that is set by the bank where the branch has not obtained the duly audited
accounts of borrowers.
Complied
Observation
Based on verification of advances on sample basis, no such cases of advances to
non-corporate entities with limits beyond that is set by the bank where the branch
has not obtained the duly audited accounts of borrowers was observed.
43 Does the branch have on its record, a due diligence report in the form and manner required by
the Reserve Bank of India in respect of advances under consortium and multiple banking
arrangements. Give the list of accounts where such certificate/report is not obtained or not
available on record. (In case, the branch is not the lead bank, copy of certificate/report should be
obtained from lead bank for review and record)
Not Applicable
44 Has the inspection or physical verification of securities charged to the bank

been carried out by the branch as per the procedure laid down by the controlling
authorities of the bank?
Complied
Observation
Based on verification of advances on sample basis, the inspection or physical
verification of securities charged to the bank been carried out by the branch as
per the procedure laid down by the controlling authorities of the bank.
45 Whether there is a substantial deterioration in value of security during financial

year as per latest valuation report in comparison with earlier valuation report on
record? If the answer is Yes, Please select option "Not Complied" and provide
details, else select "Complied"
Complied
Observation
Based on verification of advances on sample basis, there is no substantial
deterioration in value of security during financial year as per latest valuation report
in comparison with earlier valuation report on record.
46 In respect of advances examined by you, have you come across cases of

deficiencies, including in value of securities and inspection thereof or any other
adverse features such as frequent/ unauthorized overdrawing beyond limits,
inadequate insurance coverage, etc.? If the answer is Yes, Please select option
"Not Complied" and provide details, else select "Complied"
Not Complied
Observation
Page 13 of 75
As per Annexure
Advances-Cases of deficiencies, including in value of securities and inspection thereof or
any other adverse features such as frequent/ unauthorized overdrawing beyond limits,
inadequate insurance coverage,etc.
Amt in Rs.Lakhs
Advers
Balance e Nature
Sl. Zone Branch Branch Accoun Accoun Type of As At Feature Remark of
No Name Code Name t Name t No Facility Year s s Descrip
Limit nt nt nt
End Observ tion
ed
Stock
Insuranc
Insuranc
e Policy
e cover
AJAZ expired
for
34- KHAN 9022301 on 26th
GOPAL 300000. 293643. stock/
1. BHOPA 9022 SO 1000014 01.Micro January
PUR 00 51 property
L ANWAR 4 2023
is
KHAN new
inadequ
insuranc
a
e not
found
Stock
Insuranc
e Policy Insuranc
CHITRA expired e cover
NSH on 5th for
34 - 9022301
GOPAL AGENC 750000. 747838. April stock/
2. BHOPA 9022 1000015 01.Micro
PUR Y 00 19 2023 property
L 6
GOPAL new is
PUR shpuld inadequ
be taken a
in due
course
Insuranc
SARVE . Stock e cover
SH GIRI Insuranc for
34 - 9022301
GOPAL S/O 200000. 204135. e Policy stock/
3. BHOPA 9022 1000014 01.Micro
PUR SHRI 00 78 not property
L 1
SIYA availabl is
GIRI e inadequ
a
Insuranc
. Stock e cover
BHAVA
Insuranc for
34 - NI 9022301
GOPAL 300000. 303272. e Policy stock/
4. BHOPA 9022 MOBILE 1000012 01.Micro
PUR 00 53 not property
L GOPAL 3
availabl is
PUR
e inadequ
a
Insuranc
. Stock e cover
FASHIO Insuranc for
34 - 9022301
GOPAL N 200000. 109569. e Policy stock/
5. BHOPA 9022 1000004 01.Micro
PUR FAMILY 00 00 not property
L 4
SHOP availabl is
e inadequ
a
Insuranc
e
Insuranc
expired
e cover
on 5th
for
34 - SACHIN 9022301 April
GOPAL 2000000 2001942 stock/
6. BHOPA 9022 TRADE 1000013 01.Micro 2023,
PUR .00 .00 property
L RS 2 same
is
needs to
inadequ
be taken
a
in due
course
Page 14 of 75
Advers
Balance e Nature
Limit nt nt nt
End Observ tion
ed
Insuranc Insuranc
e e cover
expired for
34 - MAYURI 9022301
GOPAL 800000. 387479. on 12th stock/
7. BHOPA 9022 GARME 1000012 01.Micro
PUR 00 91 January property
L NTS 2
2023, is
fresh not inadequ
found a
Insuranc Insuranc
e e cover
ROUNA
expired for
34 - K 9022301
GOPAL 700000. 708608. on 9th stock/
8. BHOPA 9022 SAREE 1000013 01.Micro
PUR 00 00 August property
L SHOWR 3
2022, is
OOM
fresh not inadequ
found a
Insuranc Insuranc
e e cover
expired for
34 - RAJPUT 9022301
GOPAL 1000000 993661. on 1st stock/
9. BHOPA 9022 TRADE 1000013 01.Micro
PUR .00 97 March property
L RS 1
2023, is
fresh not inadequ
found a
47 Whether the branch has any red-flagged account? If yes, whether any deviations were
observed related to compliance of bank's policy related with Red Flag Accounts?
Not Applicable
48 Comment on adverse features considered significant in top 5 standard large

advances and which need management's attention. For No adverse features,
please select "Complied", else select "Not Complied"
Not Complied
Observation
As per Annexure
Advances-Comment on adverse features considered significant in top 5 standard large
advances and which need management's attention
Amt in Rs.Lakhs
Signific
ant
Balance Advers Nature
Sl. Zone Branch Branch Accoun Accoun Type of As At e Remark of
No Name Code Name t Name t No Facility Year Feature s Descrip
Limit nt nt nt
End s tion
Observ
ed
Financia Financia
ls of FY l
21-22 stateme
were not nts/
availabl Audited
BABUL e in stateme
34- AL AND 9022762 files, but nts / QIS
GOPAL 03.Other 1300000 1142944
1. BHOPA 9022 SONS 1000036 same / other
PUR Agri 0.00 2.00
L WAREH 0 have operatio
OUSE been nal data,
submitte etc are
d during not
the received
period of regularly
audit No /
Page 15 of 75
Signific
ant
Limit nt nt nt
End s tion
Observ
ed
Proper
system
of
Mapping
Sanction
Letter promptly
terms / not
into scrutiniz
system ed and
as no
Various suitable
Charges action is
as per taken.
Sanction
letter not
charged
to
Client.
Financia
ls of FY
21-22
were not
availabl
e in Financia
files, but l
same stateme
have nts/
been Audited
submitte stateme
d during nts / QIS
the / other
period of operatio
audit No nal data,
MAA
34 - 9022762 Proper etc are
GOPAL GEETA 03.Other 9600000 8288653
2. BHOPA 9022 1000036 system not
PUR WAREH Agri .00 .00
L 1 of received
OUSE
Mapping regularly
Sanction /
Letter promptly
terms / not
into scrutiniz
system ed and
as no
Various suitable
Charges action is
as per taken.
Sanction
letter not
charged
to
Client.
Page 16 of 75
Signific
ant
Limit nt nt nt
End s tion
Observ
ed
Financia
ls of FY
21-22
were not
availabl
e in Financia
files, but l
same stateme
have nts/
been Audited
submitte stateme
d during nts / QIS
the / other
period of operatio
JAMNA
audit No nal data,
PARAS
GOPAL HAR 03.Other 9000000 7770157
PUR SONS Agri .00 .00
L 2 of received
WAREH
Mapping regularly
OUSE
Sanction /
Letter promptly
terms / not
into scrutiniz
system ed and
as no
Various suitable
Charges action is
as per taken.
Sanction
letter not
charged
to
Client.
Financia
ls of FY
21-22
were not
availabl
e in Financia
files, but l
same stateme
have nts/
been Audited
submitte stateme
d during nts / QIS
the / other
period of operatio
audit No nal data,
34 - SACHIN 9022301 Proper etc are
GOPAL 2000000 2001942
4. BHOPA 9022 TRADE 1000013 01.Micro system not
PUR .00 .00
L RS 2 of received
Mapping regularly
Sanction /
Letter promptly
terms / not
into scrutiniz
system ed and
as no
Various suitable
Charges action is
as per taken.
Sanction
letter not
charged
to
Client.
49 In respect of leasing finance activities, has the branch complied with the guidelines issued by
the controlling authorities of the bank relating to security creation, asset inspection, insurance,
etc.? Has the branch complied with the accounting norms prescribed by the controlling authorities
of the bank relating to such leasing activities?
Page 17 of 75
Not Applicable
LR1I - Advances -(F.Asset Classification, Provisioning of Advances and

Resolution of Stressed Assets)
51 Has the branch identified and classified advances into standard / substandard /
doubtful / loss assets through the computer system, without manual intervention?
Complied
Observation
Based on verification of advances on sample basis, the Branch has identified and
classified advances into standard / doubtful / loss assets through the computer
system, without manual intervention
52 Is this identification &classification in line with the norms prescribed by the

Reserve Bank of India
Complied
Observation
Based on our test checks, the identification &classifcation in line with the norms
prescribed by the Reserve Bank of India
53 Whether the branch is following the system of classifying the account into
SMA-0, SMA-1, and SMA-2. Whether the auditor disagrees with the branch
classification of advances into standard (Including SMA-0, SMA- 1, SMA-2) / sub-
standard / doubtful / loss assets, the details of such advances with reasons should
be given.
Not Complied
Observation
As per Annexure
Advances-List of accounts where the auditor disagrees with the branch classification of
advances into standard (Including SMA-0, SMA- 1, SMA-2) / sub-standard / doubtful / loss
assets
Amt in Rs.Lakhs
Classif
ication
Balanc Classif Reaso
Type As Branc Nature
Sl Branc Branc Accou Sancti e As ication ns For ZO HO
Zone Accou of Sugge Remar h of
.N h h nt oned At As Per Disagr Comm Comm
Name nt No Facilit sted ks Comm Descri
o Code Name Name Limit Year Branc eemen ent ent
y By ent ption
End h t
Audito
r
STOC STOC
K K
STATE STATE
MENT MENT
FASHI
AND AND
34- ON 90223 Sub Not
GOPA 01.Micr 20000 10913 Standa FINAN FINAN
1. BHOP 9022 FAMIL 01100 Standa Applica
LPUR o 0.00 6.65 rd CIALS CIALS
AL Y 00044 rd ble
COPY COPY
SHOP
NOT NOT
ON ON
RECO RECO
RD RD
Page 18 of 75
Classif
ication
y By ent ption
End h t
Audito
r
DUE DUE
MAHE PRINC PRINC
SH IPAL / IPAL /
NISHO INTER INTER
34 - 90223 01.Cro Sub Not
GOPA D S/O 31000 38512 Standa EST EST
2. BHOP 9022 21100 p Loan Standa Applica
LPUR JAGES 0.00 8.58 rd NOT NOT
AL 01824 (incld. rd ble
HVAR SERV SERV
NISHO ED ED
D TILL TILL
DATE DATE
DUE DUE
PRINC PRINC
GANP IPAL / IPAL /
ATI INTER INTER
34 - 90223 01.Cro Sub Not
GOPA BAI 35800 53837 Standa EST EST
LPUR W/O 0.00 0.83 rd NOT NOT
KACH SERV SERV
RULAL ED ED
TILL TILL
DATE DATE
DUE DUE
PRINC PRINC
ARJUN IPAL / IPAL /
KANG INTER INTER
34 - 90223 01.Cro Sub Not
GOPA ALI 30800 40537 Standa EST EST
LPUR S/O 0.00 9.76 rd NOT NOT
RANG SERV SERV
ALAL ED ED
TILL TILL
DATE DATE
54 Also indicate whether required changes have been incorporated/ suggested in

the Memorandum of Changes.
Complied
Observation
Required changes have been incorporated/ suggested in the Memorandum of
Changes.
55 List the accounts (with outstanding in excess of Rs. 10.00 crore) which have either been
downgraded or upgraded with regard to their classification as Non-Performing Asset or Standard
Asset during the year and the reason thereof. (Select 'Not Complied' for reporting else select
'Complied' or 'NA' as the case may be)
Not Applicable
56 Whether RBI guidelines on income recognition and provisioning have been

followed.
Complied
Observation
Based on our verification of advances on sample basis, RBI guidelines on income
recognition and provisioning have been followed
57 Whether the branch has reported accounts restructured or rephased during the year to
Controlling Authority of the bank?
Not Applicable
58 Whether the RBI Guidelines for restructuring on all such cases have been followed.
Not Applicable
Page 19 of 75
59 Whether the branch complies with the regulatory stance for resolution of stressed assets,
including the compliance with board approved policies in this regard, tracking/reporting of defaults
for resolution purposes among others?
Not Applicable
60 Whether the upgradations in non-performing advances is in line with the norms

of Reserve Bank of India
Complied
Observation
Based on our verification of advances on sample basis, the upgradations in non-
performing advances is in line with the norms of Reserve Bank of India.
61 Where the auditor disagrees with upgradation of accounts? If yes, select "Not
Complied" and give reasons thereof.
Complied
Observation
Based on our verification of advances on sample basis, we don’t disagree with
upgradation of accounts.
62 Have you come across cases where the relevant Controlling Authority of the bank has
authorized legal action for recovery of advances or recalling of advances, but no such action was
taken by the branch? If so, give details of such cases.
Not Applicable
63 Whether there are any accounts wherein process under IBC is mandated but not initiated by
the branch?
Not Applicable
64 Whether there are any borrowers at the branch against whom the process of IBC is initiated by
any of the creditors including bank? If yes, provide the list of such accounts and comment on the
adequacy of provision made thereto?
Not Applicable
65 Have appropriate claims for credit guarantee (ECGC and others), if any, been
duly lodged and settled?
Complied
Observation
Based on our verification of advances on sample basis, the appropriate claims for
credit guarantee (ECGC and others), if any, been duly lodged and settled
66 Give details of claims rejected? Please select COMPLIED if no claim is rejected else select
NOT COMPLIED
Not Applicable
67 Whether the rejection is appropriately considered while determining the provisioning

requirements
Not Applicable
68 In respect of non-performing assets, has the branch obtained valuation reports

from approved valuers for the immovables charged to the bank, once in three
years, unless the circumstances warrant a shorter duration?
Page 20 of 75
Complied
Observation
Based on our verification of advances on sample basis, in respect of non-
performing assets, the branch has obtained valuation reports from approved
valuers for the immovables charged to the bank, once in three years, unless the
circumstances warrant a shorter duration.
69 In the cases examined by you, has the branch complied with the Recovery Policy prescribed
by the controlling authorities of the bank with respect to compromise/settlement and write-off
cases? Details of the cases of compromise/settlement and write-off cases involving write-
offs/waivers in excess of Rs. 50.00 lakhs may be given.
Not Applicable
70 Is the branch prompt in ensuring execution of decrees obtained for recovery from the
defaulting borrowers? Give Age-wise analysis of decrees obtained and pending execution.
Not Applicable
71 Whether in the cases concluded the recoveries have been properly appropriated against the
principal / interest as per the policy of the bank?
Not Applicable
72 In cases where documents are held at centralized processing centres / office,

whether the auditor has received the relevant documents as asked by them on
test check basis and satisfied themselves. Report the exceptions, if any by
selecting "Not Complied" option
Complied
Observation
We have received the relevant documents asked by us from the branch in cases
where documents are held at centralized processing centres / office.
73 List the major deficiencies in credit review, monitoring and supervision. If no

deficiencies are to be reported, please select 'complied', else select 'not complied'
Complied
Observation
Based on our verification of advances on sample basis, we have not come across
any major deficiencies in credit review, monitoring and supervision.
LR1J - Advances(G.Non-Fund Based facilities)
74 List of borrowers with details of LCs devolved or guarantees invoked during the year. If no
devolved LCs, please select 'complied', else select 'not complied'
Not Applicable
75 List of borrowers where the LCs have been devolved or guarantees have been invoked but not
paid with amount thereof. If no devolved LCs, please select 'complied', else select 'not complied'
Not Applicable
76 List of instances where interchangeability between fund based and non-fund-based facilities
was allowed subsequent to devolvement of LC / invocation of BG. If no instances, please select
'complied', else select 'not complied'
Not Applicable
LR1K - Advances(Other Assets-Suspense Accounts/Sundry Assets)
Page 21 of 75
77 Does the system of the bank ensure expeditious clearance of items debited to
Suspense Account? Details of outstanding entries in excess of 90 days may be
obtained from the branch and the reasons for delay in adjusting the entries may
be ascertained. Does your scrutiny of the accounts under various sub-heads
reveal balances, which in your opinion are not recoverable and would require a
provision/write-off? If so, give details
Not Complied
Observation
As per Annexure
Advances-Details of outstanding Suspense entries in excess of 90 days may be obtained
from the branch and the reasons for delay in adjusting the entries (All items debited to
Suspense, DPWA, Clearing Suspense, other assets)
Amt in Actual Rs
Reasons
Item Nature of
Sl. Zone Branch Branch No of For Non- Branch ZO HO
Descripti Amount Remarks Descripti
No Name Code Name Items Adjustme Comment Comment Comment
on on
nt
3
As per As per
percentag
B.M same B.M same
34 - GOPALP e Promt 2299288. Not
1. 9022 4.00 is is
BHOPAL UR Repayme 00 Applicable
adjusted adjusted
nt
by HO by HO
incentive
78 Does your test check indicate any unusual items in these accounts? If so,
report their nature and the amounts involved. Are there any intangible items under
this head e.g. losses not provided / pending investigation?
Complied
Observation
No our test checks did not indicate any unusual items in these accounts
LR2 - Liabilities
LR2A - Deposits
79 Does the bank have a system of identification of dormant/ inoperative accounts

and internal controls with regard to operations in such accounts? In the cases
examined by you, have you come across instances where the guidelines laid
down in this regard have not been followed? If yes, give details thereof.
Not Complied
Observation
As per Annexure
Details of the Deposits (Unclaimed, Dormant, Inoperative, Unpaid, Deceased, Overdue)
Amt in Rs.Lakhs
Page 22 of 75
Dormant/I Deposits
Unclaime Branch Zone HO
Sl. Zone Branch Branch n- Unpaid of Overdue
d Remarks Comment Comment Comment
No Name Code Name Operative Deposits Deceased Deposits
Deposits s s s
Accounts Persons
As per
34 - GOPALP 2801460.
1. 9022 0.00 0.00 0.00 0.00 Balance
BHOPAL UR 31
sheet
80 After the balance sheet date and till the date of audit, whether there have been
any unusual large movements (whether increase or decrease) in the aggregate
deposits held at the year-end? If so, obtain the clarifications from the branch and
give your comments thereon.
Not Complied
Observation
As per Annexure
Movement in Deposits
Amt in Rs.Lakhs
Demand Deposits Saving Deposits Term Deposits

As On As On As On
As On As On As On Branch Zone HO
Sl. Zone Branch Branch Balance Balance Balance
Date Of Date Of Date Of Remarks Commen Commen Commen
No Name Code Name Sheet Sheet Sheet
Audit Audit Audit ts ts ts
Date Date Date
There is
no major
34 - GOPALP 1988003 1984968 2637877 2637877 1092394 1092394
1. 9022 moveme
BHOPAL UR 7.19 6.96 29.67 29.67 97.56 97.56
nt in
Depsoits
81 Whether the scheme of automatic renewal of deposits applies to FCNR(B) deposits? Where
such deposits have been renewed, report whether the branch has satisfied itself as to the 'non-
resident status' of the depositor and whether the renewal is made as per the applicable regulatory
guidelines and the original receipts / soft copy have been dispatched.
Not Applicable
82 Is the branch complying with the regulations on minimum balance requirement

and levy of charges on non- maintenance of minimum balance in individual
savings accounts?
Complied
Observation
The branch is complying with the regulations on minimum balance requirement
and levy of charges on non-maintenance of minimum balance in individual
savings accounts is made through the system automatically.
LR2B - Other Liabilities - Bills Payable,Sundry Deposits, etc.
83 The number of items and the aggregate amount of old outstanding items
pending for one years or more be obtained from the branch and reported under
appropriate heads. Give details thereof
Not Complied
Observation
As per Annexure
Other Liabilities - Bills Payable,Sundry Deposits, etc. (old outstanding items pending for
Page 23 of 75
one years or more)
The number of items and the aggregate amount of old outstanding items pending for one
years or more
Actual Amount in Rs.

Item
Sl.N Zone Branch Branch Number Of Branch Zone HO
Year/Date Descriptio Amounts Remarks
o Name Code Name Items Comments Comments Comments
n
Statring
from 2009
as per
Officals
these are
paymnet
received to
Accounts
34 - GOPALPU be made to
1. 9022 0 not 587774.00
BHOPAL R customers
traceable
but those
account
deatils
were
invalid/clos
ed/credit
freezed.
Amount not
Excess
34 - GOPALPU cliamed by
2. 9022 08/04/2021 2 cash On 11500.00
BHOPAL R customer
Counter
till date
Major
balance of
Rs 5.5 lakh
appox ws
Interest transferred
34 - GOPALPU
3. 9022 31/03/2014 0 Payable 1811.94 to new
BHOPAL R
TDR account,
but this
balcne is
outstanding
till date.
84 Does your test check indicate any unusual items or material withdrawals or
debits in these accounts? If so, give details thereof.
Complied
Observation
Our test check does not indicate any unusual items or material withdrawals or
debits in these accounts
LR2C - Contingent Liabilities
85 List of major items of the contingent liabilities (other than constituent’s liabilities such as
guarantees, letter of credit, acceptances, endorsements, etc.) not acknowledged by the branch?
Not Applicable
LR3 - Profit and Loss Account
LR3A - Profit and Loss Account
Page 24 of 75
86 Has the test checking of interest/discount/ commission/ fees etc. revealed no
discrepency. In case of excess/short credit of a material amount, please give
details thereof.
Not Complied
Observation
As per Annexure
Excess/Short Credit Of a Material Amount Of Interest/Discount/ Commission/ Fees Etc.
Actual Amt in Rs.

Amount in YES
Excess/Sh
Sl.N Branch Branch Account Account ort Credit Branch Zone HO
Zone Balance Remarks
o Code Name Number Title Of Material Comments Comments Comments
Amount
ANNUAL
PROPOSA PROCESSI
L NG FEES
34 - GOPALPU 90220PLC
1. 9022 PROCESSI 0.00 139210.00 BELONGIN
BHOPAL R R016
NG G TO FY
CHARGES 20-21 AND
21-22
87 Has the branch complied with the Income Recognition norms prescribed by
R.B.I.? (The Auditor may refer to the instructions of the controlling authorities of
the bank regarding charging of interest on non-performing assets).
Complied
Observation
The branch has complied with the Income Recognition norms prescribed by R.B.I.
88 Has the test check of interest on deposits revealed no discrepency. In case of

any excess/short debit of material amount, please give details thereof.
Complied
Observation
The test checking of interest on deposits has not revealed any excess/short debit
of a material amount.
89 Does the bank have a system of estimating and providing interest accrued on
overdue/matured/ unpaid/ unclaimed term deposits including in respect of
deceased depositors?
Complied
Observation
The bank is having the system of estimating and providing interest accrued on
overdue/matured/ unpaid/ unclaimed term deposits including in respect of
deceased depositors.
90 Are there any divergent trends in major items of income and expenditure, in
comparison with corresponding previous year, which are not satisfactorily
explained by the branch? If Yes, please select "Not Complied" and the same may
be reported.
Complied
Observation
Page 25 of 75
There are no major divergent trends in major items of income and expenditure, in
comparison with corresponding previous year, which are not satisfactorily
explained by the branch
LR4 - General
LR4A - Gold/Bullion/Security Items
91 Does the system ensure that gold/bullion is in effective joint custody of two or more officials,
as per the instructions of the controlling authorities of the bank?
Not Applicable
92 Does the branch maintain adequate records for receipt, issues and balances of gold/bullion
and updated regularly? Does the periodic verification reveal any excess/shortage of stocks as
compared to book records and if any discrepancies observed have been promptly reported to
controlling authorities of the bank?
Not Applicable
93 Does the system of the Bank ensure adequate internal control over issue and
custody of security items (Term Deposit Receipts, Drafts, Pay Orders, Cheque
Books, Traveller's Cheques, Gift Cheques, etc.)? Whether the system is being
followed by the branch? Have you come across cases of missing/lost items?
Complied
Observation
The system of the Bank ensure adequate internal control over issue and custody
of security items (Term Deposit Receipts, Drafts, Pay Orders, Cheque Books,
Traveller's Cheques, Gift Cheques, etc.) and system are being followed by bank.
Based on our test checks ,no cases of missing/lost items have been observed.
LR4B - Books and Records
94 Whether there are any software / systems (manual or otherwise) used at the
branch which are not integrated with the CBS? If yes, please select "Not
Complied" and give details thereof.
Complied
Observation
There are no software / systems (manual or otherwise) used at the branch which
are not integrated with the CBS
95 In case the branch has been subjected to IS Audit whether there are any adverse features
reported and have a direct or indirect bearing on the branch accounts and are pending
compliance? If yes give details.
Not Applicable
96 Whether branch is generating, and verifying exception reports at the periodicity

as prescribed by the bank
Not Complied
Observation
Branch has not shared any exception reports with audit team to comment over
that.
97 Whether the system of bank warrants expeditious compliance of daily

exception reports and whether there are any major observations pending such
Page 26 of 75
compliance at the year end.
Not Complied
Observation
Branch has not shared any exception reports with audit team to comment over
that.
Exception Reports- Periodicity and major pending obsevations
Amt in Rs.Lakhs
Major
Observatio
Periodicity
ns Pending
Of Date Of
Compliance
Sl.N Branch Branch Generation Latest Branch Zone HO
Zone Name Of Daily Remarks
o Code Name Of Exception Comments Comments Comments
Exception
Exception Report
Reports At
Report
The Year
End
34 -
1. 9022 GOPALPUR
BHOPAL
98 Whether the bank has laid down procedures for manual intervention to system
generated data and proper authentication of the related transactions arising there
from along with proper audit trail of manual intervention has been obtained.
Complied
Observation
The bank has laid down procedures for manual intervention to system generated
data and proper authentication of the related transactions arising there from along
with proper audit trail of manual intervention has been obtained
99 Furnish your comments on data integrity (including data entry, checking

correctness/integrity of data, no back ended strategies etc.) which is used for MIS
at HO / CO level.
Complied
Observation
No adverse observation was noted on data integrity (including data entry,
checking correctness/integrity of data, no back ended strategies etc.) which is
used for MIS at HO / CO level
LR4C - Inter-Branch Accounts
102 Does the branch expeditiously comply with/respond to the communications

from the designated cell/Head Office as regards unmatched transactions? As at
the year-end are there any un-responded/un-complied queries or communications
beyond 7 days? If so, give details?
Complied
Observation
The branch expeditiously complies with/respond to the communications from the
designated cell/Head Office as regards unmatched transactions. Further, there
are no such un- responded/un-complied queries or communications beyond 7
days.
LR4D - Frauds
Page 27 of 75
104 Whether Frauds detected/classified and confirmation of reporting to RBI is available on
record at branch.
Not Applicable
105 Whether any suspected or likely fraud cases are reported by branch to higher office during
the year? If yes, provide the details thereof related to status of investigation.
Not Applicable
106 In respect of fraud, based on your overall observation, please provide your comments on the
potential risk areas which might lead to perpetuation of fraud (e.g. falsification of accounts/false
representation by the borrower; misappropriation of funds especially through related party/ shell
company transactions; forgery and fabrication of financial documents like invoices, debtor lists,
stock statements, trade credit documents, shipping bills, work orders and encumbrance
certificates and avail credit; Use of current accounts outside consortium where Trust and
Retention Account (TRA) is maintained, to divert funds; List of Debtors/ Creditors were being
fabricated and receivables were not followed up/ write off of debt of related parties; Fake
export/shipping bill, etc.; Over statement of invoice amounts, stock statements, shipping bills,
turnover; fly by night operations -including the cases where vendors, related/ associate parties,
manufacturing units etc. aren’t available on the registered addresses; Round Tripping of funds,
etc.)
Not Applicable
107 Whether the system of Early Warning Framework is working effectively and, as required, the
early warning signals form the basis for classifying an account as RFA.
Not Applicable
LR4E - Implementation of KYC/AML guidelines
110 Whether the branch has adequate systems and processes, as required, to
ensure adherence to KYC/AML guidelines towards prevention of money
laundering and terrorist financing
Complied
Observation
Based on process review and sample verification the branch has adequate
systems and processes, as required,to ensure adherence to KYC/AML guidelines
towards prevention of money laundering and terrorist financing
111 Whether the branch followed the KYC/AML guidelines based on the test
check carried out by the branch auditors
Complied
Observation
Based on the test check carried out by us the branch has generally followed the
KYC/AML guidelines
LR4F - Management Information System /IT
114 Whether the branch has the proper systems and procedures to ensure data
integrity relating to all data inputs which are to be used for MIS at corporate office
level and for supervisory reporting purposes. Have you come across any
instances where data integrity was compromised?
Complied
Observation
Page 28 of 75
Based on the process review the branch has the proper systems and procedures
to ensure data integrity relating to all data inputs which are to be used for MIS at
corporate office level and for supervisory reporting purposes. Based on our test
checks no such cases were observed where in data integrity was compromised.
LR4G - Miscellaneous
116 In framing your audit report/LFAR, have you considered the major adverse
comments arising out of the latest reports such as:(i).Previous year’s Branch Audit
Report / LFAR;(ii).Internal audit/ Snap Audit/ concurrent audit report(s);(iii).Credit
Audit Report;(iv).Stock audit Report;(v).RBI Inspection Report, if such inspection
took place;(vi).Income and Expenditure (Revenue)
Audit;(vii).IS/IT/Computer/Systems Audit; and(viii).Any special inspection /
investigation report?
Not Complied
Observation
As per the Annexure
Major Adverse Comments Arising Out Of The Latest Audit Reports And Pending
Compliance
Amt in Rs.Lakhs
Pending
Sl.N Zone Branch Branch Report Date of Adverse Branch Zone HO
Complianc Remarks
o Name Code Name Type Report Comments Comments Comments Comments
es
The
matters
raised in
Last
Statutory
Previous
audit report
year
have not
34 - GOPALPU Branch
1. 9022 20/04/2022 been yes
BHOPAL R Audit
complied
Report/LFA
with and
R
issue
raised
therein are
present
even today.
119 Are there any other matters, which you, as branch auditor, would like to bring
to the notice of the management or the Statutory Central Auditors? If Yes, please
select "Not Complied" and give details, else select "Complied"
Not Complied
Observation
As per Annexure
Other Miscelleneous Matters
Sl.N Branch Branch Observatio Branch Zone HO

Zone Name Head Details Remarks
o Code Name n Comments Comments Comments
1 Sanction
Letter format
is not being Due Care
1. 34-BHOPAL 9022 GOPALPUR Advanes modified to should be
the taken for this
requirement
s of the loan,
Page 29 of 75
such as
under
Vehicle
Loan,
Sanction
Letter reads
that Fnancial
Statements
are to be
submitted
annually. 2
As per
Manager
Processing
Charges are
levied only
upon
account
opening
however
Sanction
letter reads
annually in
most of the
cases
observed.
So Sanction
letter neds
correction 3
While
checking
Gold Loans,
it has been
observed
that on or
before the
closure date
of Gold
Loan, a new
gold loan
has been
sanctioned
and same
has been
used to
repay
part/major of
the
outstanding
of old gold
loan
account.
This is a
procedural
lapse 4
Branch do
not have any
system in
place to ask
for stock
statement,
financial
statements
timely from
the
borrowers;
and previous
stock
statement is
duplicated in
the system
5. In FD
Account
opening
forms cases
were
observed
where
witness
signatures,
date of
opening,
Page 30 of 75
period of fd,
interest
rates were
missing 6. In
Saving
Account
opening
forms, cases
were
observed
where
Section
60/61 of the
Form was
not filed,
also these
forms are
not properly
filled. 7.
Under
Sundry
Credits: a)
There are 9
Subsidy
accounts
where one
time subsidy
is received
for the loan
account of
the
borrower,
but there are
cases where
loan
accounts
have already
been closed
but Full/Part
Subsidy
amount has
not been
transferred
to borrower,
Also there
are subsidy
ledgers of
whom loan
accounts of
branch
officials
were unable
to be traced.
b) Subsidy
received
from
Government
account
Crop
Insurance
Claim
Settlement
is pending
long due,
during the
year there
were credit
transactions
in these
ledgers, as
per officials
this amount
belongs to
subsidy
received
from
government
for borrower
but borrower
account is
already
closed. At
Page 31 of 75
the moment
there is no
detail as to
whom how
much
amount
belongs c)
TDS
remitted on
a/c of
Depositors
there are 7
unreconciled
entries
belong to a
period of
October
2015 to
August 2017
d) Misc
Items, there
are
unreconciled
entries in the
account
which might
belong to
more than
90 days,
since there
are bulk and
part transfer
entries same
could not be
verified.
Branch do
not have any
detail about
the
unreconciled
entries in
hand.
Summary of Audit Observation

Total Irregularities Observed 21
Page 32 of 75
Cash Balance exceeding the Retention limit (Part-1)
Amt in Rs.Lakhs
Cash retention limit of the branch 943208.00 Applicable or Not YES
No Of Days
During The
Financial Year,
When Cash Branch
Sl.No Zone Name Branch Code Branch Name Observation ZO Comment HO Comment
Balance Has Comment
Exceeded The
Retention
Limit.
Cash Rention
limit fixed for the
branch is 0.25%
of the Deposits.
However branch
carries cash
balances on
almost all the
days during the
year which
exceed
significanlly
from the limit et
for the Branch.
As discussed,
excess cash
balance have
not been
reported
separtely as
Branch is Under
CBS system.
Cash Balance exceeding the Retention limit - Date-wise (Part-2)

Amt in Rs.Lakhs
During the financial year, on below mentioned dates cash balance has exceeded the retention limit set by
the bank
Cash
Sl.N Branch Branch Difference Branch ZO HO
Zone Name Date Balance Limit (Rs.)
o Code Name (Rs.) Comment Comment Comment
(Rs.)
1. 34-BHOPAL 9022 GOPALPUR 02/04/2022 2848553.00 943208.00 -1905345.00
34 -
2. 9022 GOPALPUR 04/04/2022 5077123.00 943208.00 -4133915.00
BHOPAL
34 -
3. 9022 GOPALPUR 05/04/2022 5779123.00 943208.00 -4835915.00
BHOPAL
34 -
4. 9022 GOPALPUR 06/04/2022 6196763.00 943208.00 -5253555.00
BHOPAL
34 -
5. 9022 GOPALPUR 07/04/2022 5543463.00 943208.00 -4600255.00
BHOPAL
34 -
6. 9022 GOPALPUR 08/04/2022 7355568.00 943208.00 -6412360.00
BHOPAL
34 -
7. 9022 GOPALPUR 11/04/2022 1187310.00 943208.00 -244102.00
BHOPAL
34 -
8. 9022 GOPALPUR 12/04/2022 2585625.00 943208.00 -1642417.00
BHOPAL
34 -
9. 9022 GOPALPUR 13/04/2022 1746985.00 943208.00 -803777.00
BHOPAL
34 -
10. 9022 GOPALPUR 16/04/2022 4424775.00 943208.00 -3481567.00
BHOPAL
34 -
11. 9022 GOPALPUR 18/04/2022 2766320.00 943208.00 -1823112.00
BHOPAL
34 -
12. 9022 GOPALPUR 20/04/2022 3332145.00 943208.00 -2388937.00
BHOPAL
34 -
13. 9022 GOPALPUR 21/04/2022 4690585.00 943208.00 -3747377.00
BHOPAL
Page 33 of 75
Cash
(Rs.)
34 -
14. 9022 GOPALPUR 22/04/2022 3562635.00 943208.00 -2619427.00
BHOPAL
34 -
15. 9022 GOPALPUR 25/04/2022 1542175.00 943208.00 -598967.00
BHOPAL
34 -
16. 9022 GOPALPUR 26/04/2022 2191192.00 943208.00 -1247984.00
BHOPAL
34 -
17. 9022 GOPALPUR 27/04/2022 1146342.00 943208.00 -203134.00
BHOPAL
34 -
18. 9022 GOPALPUR 28/04/2022 1381102.00 943208.00 -437894.00
BHOPAL
34 -
19. 9022 GOPALPUR 29/04/2022 1052095.00 943208.00 -108887.00
BHOPAL
34 -
20. 9022 GOPALPUR 30/04/2022 3128135.00 943208.00 -2184927.00
BHOPAL
34 -
21. 9022 GOPALPUR 02/05/2022 975055.00 943208.00 -31847.00
BHOPAL
34 -
22. 9022 GOPALPUR 04/05/2022 9630795.00 943208.00 -8687587.00
BHOPAL
34 -
23. 9022 GOPALPUR 06/05/2022 2551762.00 943208.00 -1608554.00
BHOPAL
34 - 10234132.0
24. 9022 GOPALPUR 07/05/2022 943208.00 -9290924.00
BHOPAL 0
34 -
25. 9022 GOPALPUR 09/05/2022 2295222.00 943208.00 -1352014.00
BHOPAL
34 -
26. 9022 GOPALPUR 10/05/2022 7227587.00 943208.00 -6284379.00
BHOPAL
34 -
27. 9022 GOPALPUR 11/05/2022 2399477.00 943208.00 -1456269.00
BHOPAL
-
34 - 10954829.0
28. 9022 GOPALPUR 12/05/2021 943208.00 10011621.0
BHOPAL 0
0
34 -
29. 9022 GOPALPUR 13/05/2022 1702263.00 943208.00 -759055.00
BHOPAL
-
34 - 18477240.0
30. 9022 GOPALPUR 17/05/2022 943208.00 17534032.0
BHOPAL 0
0
34 -
31. 9022 GOPALPUR 18/05/2022 9358075.00 943208.00 -8414867.00
BHOPAL
34 -
32. 9022 GOPALPUR 19/05/2022 5845020.00 943208.00 -4901812.00
BHOPAL
34 -
33. 9022 GOPALPUR 21/05/2022 3416706.00 943208.00 -2473498.00
BHOPAL
-
34 - 11783561.0
34. 9022 GOPALPUR 23/05/2022 943208.00 10840353.0
BHOPAL 0
0
34 -
35. 9022 GOPALPUR 24/05/2022 6577263.00 943208.00 -5634055.00
BHOPAL
34 -
36. 9022 GOPALPUR 25/05/2022 2105073.00 943208.00 -1161865.00
BHOPAL
34 -
37. 9022 GOPALPUR 26/05/2022 8852053.00 943208.00 -7908845.00
BHOPAL
34 -
38. 9022 GOPALPUR 27/05/2022 3394984.00 943208.00 -2451776.00
BHOPAL
34 -
39. 9022 GOPALPUR 30/05/2022 945909.00 943208.00 -2701.00
BHOPAL
-
34 - 11041762.0
40. 9022 GOPALPUR 31/05/2022 943208.00 10098554.0
BHOPAL 0
0
34 -
41. 9022 GOPALPUR 01/06/2022 4877812.00 943208.00 -3934604.00
BHOPAL
34 -
42. 9022 GOPALPUR 02/06/2022 2975637.00 943208.00 -2032429.00
BHOPAL
34 -
43. 9022 GOPALPUR 03/06/2022 1438253.00 943208.00 -495045.00
BHOPAL
Page 34 of 75
Cash
(Rs.)
34 -
44. 9022 GOPALPUR 04/06/2022 2414973.00 943208.00 -1471765.00
BHOPAL
34 -
45. 9022 GOPALPUR 06/06/2022 6452423.00 943208.00 -5509215.00
BHOPAL
34 -
46. 9022 GOPALPUR 07/06/2022 3221373.00 943208.00 -2278165.00
BHOPAL
34 -
47. 9022 GOPALPUR 08/06/2022 1208713.00 943208.00 -265505.00
BHOPAL
34 -
48. 9022 GOPALPUR 09/06/2022 1986193.00 943208.00 -1042985.00
BHOPAL
34 -
49. 9022 GOPALPUR 10/06/2022 3442588.00 943208.00 -2499380.00
BHOPAL
34 -
50. 9022 GOPALPUR 13/06/2022 1933408.00 943208.00 -990200.00
BHOPAL
34 -
51. 9022 GOPALPUR 14/06/2022 6603715.00 943208.00 -5660507.00
BHOPAL
34 -
52. 9022 GOPALPUR 15/06/2022 4527098.00 943208.00 -3583890.00
BHOPAL
34 -
53. 9022 GOPALPUR 16/06/2022 3677458.00 943208.00 -2734250.00
BHOPAL
34 -
54. 9022 GOPALPUR 17/06/2022 4470278.00 943208.00 -3527070.00
BHOPAL
34 -
55. 9022 GOPALPUR 18/06/2022 8119138.00 943208.00 -7175930.00
BHOPAL
34 -
56. 9022 GOPALPUR 20/06/2022 7982528.00 943208.00 -7039320.00
BHOPAL
34 -
57. 9022 GOPALPUR 21/06/2022 7657283.00 943208.00 -6714075.00
BHOPAL
34 -
58. 9022 GOPALPUR 22/06/2022 8162248.00 943208.00 -7219040.00
BHOPAL
34 -
59. 9022 GOPALPUR 23/06/2022 8028897.00 943208.00 -7085689.00
BHOPAL
34 -
60. 9022 GOPALPUR 24/06/2022 9440657.00 943208.00 -8497449.00
BHOPAL
34 -
61. 9022 GOPALPUR 27/06/2022 7650442.00 943208.00 -6707234.00
BHOPAL
34 -
62. 9022 GOPALPUR 28/06/2022 2741022.00 943208.00 -1797814.00
BHOPAL
34 -
63. 9022 GOPALPUR 29/06/2022 2549052.00 943208.00 -1605844.00
BHOPAL
34 -
64. 9022 GOPALPUR 30/06/2022 2733052.00 943208.00 -1789844.00
BHOPAL
34 -
65. 9022 GOPALPUR 02/07/2022 4655108.00 943208.00 -3711900.00
BHOPAL
34 -
66. 9022 GOPALPUR 04/07/2022 4769703.00 943208.00 -3826495.00
BHOPAL
34 -
67. 9022 GOPALPUR 05/07/2022 3770038.00 943208.00 -2826830.00
BHOPAL
34 -
68. 9022 GOPALPUR 06/07/2022 4200889.00 943208.00 -3257681.00
BHOPAL
34 -
69. 9022 GOPALPUR 07/07/2022 5222379.00 943208.00 -4279171.00
BHOPAL
34 -
70. 9022 GOPALPUR 08/07/2022 6055214.00 943208.00 -5112006.00
BHOPAL
34 -
71. 9022 GOPALPUR 11/07/2022 8693094.00 943208.00 -7749886.00
BHOPAL
34 -
72. 9022 GOPALPUR 12/07/2022 8928570.00 943208.00 -7985362.00
BHOPAL
34 -
73. 9022 GOPALPUR 13/07/2022 8966670.00 943208.00 -8023462.00
BHOPAL
34 -
74. 9022 GOPALPUR 14/07/2022 3428150.00 943208.00 -2484942.00
BHOPAL
34 -
75. 9022 GOPALPUR 15/07/2022 4085510.00 943208.00 -3142302.00
BHOPAL
Page 35 of 75
Cash
(Rs.)
34 -
76. 9022 GOPALPUR 16/07/2022 5340916.00 943208.00 -4397708.00
BHOPAL
34 -
77. 9022 GOPALPUR 18/07/2022 3814881.00 943208.00 -2871673.00
BHOPAL
34 -
78. 9022 GOPALPUR 19/07/2022 4628185.00 943208.00 -3684977.00
BHOPAL
34 -
79. 9022 GOPALPUR 20/07/2022 3163635.00 943208.00 -2220427.00
BHOPAL
34 -
80. 9022 GOPALPUR 21/07/2022 3372207.00 943208.00 -2428999.00
BHOPAL
34 -
81. 9022 GOPALPUR 22/07/2022 3358857.00 943208.00 -2415649.00
BHOPAL
34 -
82. 9022 GOPALPUR 25/07/2022 2152282.00 943208.00 -1209074.00
BHOPAL
34 -
83. 9022 GOPALPUR 26/07/2022 3003318.00 943208.00 -2060110.00
BHOPAL
34 -
84. 9022 GOPALPUR 27/07/2022 3425368.00 943208.00 -2482160.00
BHOPAL
34 -
85. 9022 GOPALPUR 28/07/2022 8622045.00 943208.00 -7678837.00
BHOPAL
34 -
86. 9022 GOPALPUR 29/07/2022 7878745.00 943208.00 -6935537.00
BHOPAL
34 -
87. 9022 GOPALPUR 30/07/2022 4081510.00 943208.00 -3138302.00
BHOPAL
34 -
88. 9022 GOPALPUR 01/08/2022 1617040.00 943208.00 -673832.00
BHOPAL
34 -
89. 9022 GOPALPUR 02/08/2022 3359850.00 943208.00 -2416642.00
BHOPAL
34 -
90. 9022 GOPALPUR 03/08/2022 3940400.00 943208.00 -2997192.00
BHOPAL
34 -
91. 9022 GOPALPUR 04/08/2022 3896362.00 943208.00 -2953154.00
BHOPAL
34 -
92. 9022 GOPALPUR 05/08/2022 4344453.00 943208.00 -3401245.00
BHOPAL
34 -
93. 9022 GOPALPUR 06/08/2022 3526163.00 943208.00 -2582955.00
BHOPAL
34 -
94. 9022 GOPALPUR 08/08/2022 3276023.00 943208.00 -2332815.00
BHOPAL
34 -
95. 9022 GOPALPUR 10/08/2022 4385493.00 943208.00 -3442285.00
BHOPAL
34 -
96. 9022 GOPALPUR 12/08/2022 5197673.00 943208.00 -4254465.00
BHOPAL
34 -
97. 9022 GOPALPUR 16/08/2022 6137965.00 943208.00 -5194757.00
BHOPAL
34 -
98. 9022 GOPALPUR 17/08/2022 6548275.00 943208.00 -5605067.00
BHOPAL
34 -
99. 9022 GOPALPUR 18/08/2022 6791605.00 943208.00 -5848397.00
BHOPAL
34 -
100. 9022 GOPALPUR 20/08/2022 8149135.00 943208.00 -7205927.00
BHOPAL
34 -
101. 9022 GOPALPUR 22/08/2022 7886085.00 943208.00 -6942877.00
BHOPAL
34 -
102. 9022 GOPALPUR 23/08/2022 4841235.00 943208.00 -3898027.00
BHOPAL
34 -
103. 9022 GOPALPUR 24/08/2022 4523465.00 943208.00 -3580257.00
BHOPAL
34 -
104. 9022 GOPALPUR 25/08/2022 3498747.00 943208.00 -2555539.00
BHOPAL
34 -
105. 9022 GOPALPUR 26/08/2022 3198937.00 943208.00 -2255729.00
BHOPAL
34 -
106. 9022 GOPALPUR 29/08/2022 2855012.00 943208.00 -1911804.00
BHOPAL
34 -
107. 9022 GOPALPUR 30/08/2022 2959675.00 943208.00 -2016467.00
BHOPAL
Page 36 of 75
Cash
(Rs.)
34 -
108. 9022 GOPALPUR 31/08/2022 2461575.00 943208.00 -1518367.00
BHOPAL
34 -
109. 9022 GOPALPUR 01/09/2022 3108295.00 943208.00 -2165087.00
BHOPAL
34 -
110. 9022 GOPALPUR 02/09/2022 2263595.00 943208.00 -1320387.00
BHOPAL
34 -
111. 9022 GOPALPUR 03/09/2022 3112175.00 943208.00 -2168967.00
BHOPAL
34 -
112. 9022 GOPALPUR 05/09/2022 2007630.00 943208.00 -1064422.00
BHOPAL
34 -
113. 9022 GOPALPUR 06/09/2022 1384630.00 943208.00 -441422.00
BHOPAL
34 -
114. 9022 GOPALPUR 07/09/2022 2373250.00 943208.00 -1430042.00
BHOPAL
34 -
115. 9022 GOPALPUR 08/09/2022 1352050.00 943208.00 -408842.00
BHOPAL
34 -
116. 9022 GOPALPUR 09/09/2022 1481475.00 943208.00 -538267.00
BHOPAL
34 -
117. 9022 GOPALPUR 12/09/2022 1470655.00 943208.00 -527447.00
BHOPAL
34 -
118. 9022 GOPALPUR 13/09/2022 4051455.00 943208.00 -3108247.00
BHOPAL
34 -
119. 9022 GOPALPUR 14/09/2022 1796497.00 943208.00 -853289.00
BHOPAL
34 -
120. 9022 GOPALPUR 15/09/2022 4101284.00 943208.00 -3158076.00
BHOPAL
34 -
121. 9022 GOPALPUR 16/09/2022 1373012.00 943208.00 -429804.00
BHOPAL
34 -
122. 9022 GOPALPUR 17/09/2022 2959745.00 943208.00 -2016537.00
BHOPAL
34 -
123. 9022 GOPALPUR 19/09/2022 6137408.00 943208.00 -5194200.00
BHOPAL
34 -
124. 9022 GOPALPUR 20/09/2022 1239738.00 943208.00 -296530.00
BHOPAL
34 -
125. 9022 GOPALPUR 21/09/2022 5525413.00 943208.00 -4582205.00
BHOPAL
34 -
126. 9022 GOPALPUR 22/09/2022 3027346.00 943208.00 -2084138.00
BHOPAL
34 -
127. 9022 GOPALPUR 23/09/2022 2357931.00 943208.00 -1414723.00
BHOPAL
34 -
128. 9022 GOPALPUR 26/09/2022 1743671.00 943208.00 -800463.00
BHOPAL
34 -
129. 9022 GOPALPUR 27/09/2022 5617881.00 943208.00 -4674673.00
BHOPAL
34 -
130. 9022 GOPALPUR 28/09/2022 4102681.00 943208.00 -3159473.00
BHOPAL
34 -
131. 9022 GOPALPUR 29/09/2022 4723301.00 943208.00 -3780093.00
BHOPAL
34 -
132. 9022 GOPALPUR 30/09/2022 2854921.00 943208.00 -1911713.00
BHOPAL
34 -
133. 9022 GOPALPUR 01/10/2022 4156111.00 943208.00 -3212903.00
BHOPAL
34 -
134. 9022 GOPALPUR 03/10/2022 5049041.00 943208.00 -4105833.00
BHOPAL
34 -
135. 9022 GOPALPUR 04/10/2022 7560271.00 943208.00 -6617063.00
BHOPAL
34 -
136. 9022 GOPALPUR 06/10/2022 2183771.00 943208.00 -1240563.00
BHOPAL
34 -
137. 9022 GOPALPUR 07/10/2022 2183771.00 943208.00 -1240563.00
BHOPAL
34 -
138. 9022 GOPALPUR 10/10/2022 2720426.00 943208.00 -1777218.00
BHOPAL
34 -
139. 9022 GOPALPUR 11/10/2021 2054695.00 943208.00 -1111487.00
BHOPAL
Page 37 of 75
Cash
(Rs.)
34 -
140. 9022 GOPALPUR 12/10/2022 1777585.00 943208.00 -834377.00
BHOPAL
34 -
141. 9022 GOPALPUR 13/10/2022 4353713.00 943208.00 -3410505.00
BHOPAL
34 -
142. 9022 GOPALPUR 14/10/2022 6970003.00 943208.00 -6026795.00
BHOPAL
34 -
143. 9022 GOPALPUR 15/10/2022 6905253.00 943208.00 -5962045.00
BHOPAL
34 - 10581063.0
144. 9022 GOPALPUR 17/10/2022 943208.00 -9637855.00
BHOPAL 0
-
34 - 11036373.0
145. 9022 GOPALPUR 18/10/2022 943208.00 10093165.0
BHOPAL 0
0
34 -
146. 9022 GOPALPUR 19/10/2022 3493493.00 943208.00 -2550285.00
BHOPAL
34 -
147. 9022 GOPALPUR 20/10/2022 4408783.00 943208.00 -3465575.00
BHOPAL
34 -
148. 9022 GOPALPUR 21/10/2022 5344458.00 943208.00 -4401250.00
BHOPAL
34 -
149. 9022 GOPALPUR 25/10/2022 5341413.00 943208.00 -4398205.00
BHOPAL
34 -
150. 9022 GOPALPUR 26/10/2022 7461082.00 943208.00 -6517874.00
BHOPAL
34 -
151. 9022 GOPALPUR 27/10/2022 5381282.00 943208.00 -4438074.00
BHOPAL
34 -
152. 9022 GOPALPUR 28/10/2022 4252057.00 943208.00 -3308849.00
BHOPAL
34 -
153. 9022 GOPALPUR 29/10/2022 5185962.00 943208.00 -4242754.00
BHOPAL
34 -
154. 9022 GOPALPUR 31/10/2022 9731047.00 943208.00 -8787839.00
BHOPAL
34 - 10204223.0
155. 9022 GOPALPUR 01/11/2022 943208.00 -9261015.00
BHOPAL 0
-
34 - 12083173.0
156. 9022 GOPALPUR 02/11/2022 943208.00 11139965.0
BHOPAL 0
0
34 -
157. 9022 GOPALPUR 03/11/2022 1493474.00 943208.00 -550266.00
BHOPAL
34 -
158. 9022 GOPALPUR 04/11/2022 2986244.00 943208.00 -2043036.00
BHOPAL
34 -
159. 9022 GOPALPUR 05/11/2022 5171714.00 943208.00 -4228506.00
BHOPAL
34 -
160. 9022 GOPALPUR 07/11/2022 7937729.00 943208.00 -6994521.00
BHOPAL
34 - 10449469.0
161. 9022 GOPALPUR 09/11/2022 943208.00 -9506261.00
BHOPAL 0
-
34 - 12648479.0
162. 9022 GOPALPUR 10/11/2022 943208.00 11705271.0
BHOPAL 0
0
34 -
163. 9022 GOPALPUR 11/11/2022 1601279.00 943208.00 -658071.00
BHOPAL
34 -
164. 9022 GOPALPUR 14/11/2022 4039299.00 943208.00 -3096091.00
BHOPAL
34 -
165. 9022 GOPALPUR 15/11/2022 5971957.00 943208.00 -5028749.00
BHOPAL
34 -
166. 9022 GOPALPUR 16/11/2022 6222142.00 943208.00 -5278934.00
BHOPAL
34 -
167. 9022 GOPALPUR 17/11/2022 4095094.00 943208.00 -3151886.00
BHOPAL
34 -
168. 9022 GOPALPUR 18/11/2022 5148064.00 943208.00 -4204856.00
BHOPAL
34 -
169. 9022 GOPALPUR 19/11/2022 1463164.00 943208.00 -519956.00
BHOPAL
34 -
170. 9022 GOPALPUR 21/11/2022 4178554.00 943208.00 -3235346.00
BHOPAL
Page 38 of 75
Cash
(Rs.)
34 -
171. 9022 GOPALPUR 22/11/2022 4746614.00 943208.00 -3803406.00
BHOPAL
34 -
172. 9022 GOPALPUR 23/11/2022 5667084.00 943208.00 -4723876.00
BHOPAL
34 -
173. 9022 GOPALPUR 24/11/2022 8515098.00 943208.00 -7571890.00
BHOPAL
34 -
174. 9022 GOPALPUR 25/11/2022 1515393.00 943208.00 -572185.00
BHOPAL
34 -
175. 9022 GOPALPUR 28/11/2022 4632928.00 943208.00 -3689720.00
BHOPAL
34 -
176. 9022 GOPALPUR 29/11/2022 5636318.00 943208.00 -4693110.00
BHOPAL
34 -
177. 9022 GOPALPUR 30/11/2022 7272468.00 943208.00 -6329260.00
BHOPAL
34 -
178. 9022 GOPALPUR 01/12/2022 6546233.00 943208.00 -5603025.00
BHOPAL
34 -
179. 9022 GOPALPUR 02/12/2022 983633.00 943208.00 -40425.00
BHOPAL
34 -
180. 9022 GOPALPUR 03/12/2022 2397054.00 943208.00 -1453846.00
BHOPAL
34 -
181. 9022 GOPALPUR 05/12/2022 4976754.00 943208.00 -4033546.00
BHOPAL
34 -
182. 9022 GOPALPUR 06/12/2022 4668694.00 943208.00 -3725486.00
BHOPAL
34 -
183. 9022 GOPALPUR 07/12/2022 3671604.00 943208.00 -2728396.00
BHOPAL
34 -
184. 9022 GOPALPUR 08/12/2022 4900874.00 943208.00 -3957666.00
BHOPAL
34 -
185. 9022 GOPALPUR 09/12/2022 3201359.00 943208.00 -2258151.00
BHOPAL
34 -
186. 9022 GOPALPUR 12/12/2022 4028914.00 943208.00 -3085706.00
BHOPAL
34 -
187. 9022 GOPALPUR 13/12/2022 4257634.00 943208.00 -3314426.00
BHOPAL
34 -
188. 9022 GOPALPUR 14/12/2022 3811744.00 943208.00 -2868536.00
BHOPAL
34 -
189. 9022 GOPALPUR 15/12/2022 3696668.00 943208.00 -2753460.00
BHOPAL
34 -
190. 9022 GOPALPUR 16/12/2021 4580953.00 943208.00 -3637745.00
BHOPAL
34 -
191. 9022 GOPALPUR 17/12/2022 5044973.00 943208.00 -4101765.00
BHOPAL
34 -
192. 9022 GOPALPUR 19/12/2022 5676628.00 943208.00 -4733420.00
BHOPAL
34 -
193. 9022 GOPALPUR 20/12/2022 5606488.00 943208.00 -4663280.00
BHOPAL
34 -
194. 9022 GOPALPUR 21/12/2022 6429283.00 943208.00 -5486075.00
BHOPAL
34 -
195. 9022 GOPALPUR 22/12/2022 1649523.00 943208.00 -706315.00
BHOPAL
34 -
196. 9022 GOPALPUR 23/12/2022 1323528.00 943208.00 -380320.00
BHOPAL
34 -
197. 9022 GOPALPUR 26/12/2022 1837822.00 943208.00 -894614.00
BHOPAL
34 -
198. 9022 GOPALPUR 27/12/2021 1722266.00 943208.00 -779058.00
BHOPAL
34 -
199. 9022 GOPALPUR 28/12/2022 2255157.00 943208.00 -1311949.00
BHOPAL
34 -
200. 9022 GOPALPUR 29/12/2022 2856968.00 943208.00 -1913760.00
BHOPAL
34 -
201. 9022 GOPALPUR 30/12/2022 2528930.00 943208.00 -1585722.00
BHOPAL
34 -
202. 9022 GOPALPUR 31/12/2022 1591220.00 943208.00 -648012.00
BHOPAL
Page 39 of 75
Cash
(Rs.)
34 -
203. 9022 GOPALPUR 02/01/2023 2845900.00 943208.00 -1902692.00
BHOPAL
34 -
204. 9022 GOPALPUR 03/01/2023 3463900.00 943208.00 -2520692.00
BHOPAL
34 -
205. 9022 GOPALPUR 04/01/2023 4035725.00 943208.00 -3092517.00
BHOPAL
34 -
206. 9022 GOPALPUR 05/01/2023 4863015.00 943208.00 -3919807.00
BHOPAL
34 -
207. 9022 GOPALPUR 06/01/2023 4944291.00 943208.00 -4001083.00
BHOPAL
34 -
208. 9022 GOPALPUR 07/01/2023 4170361.00 943208.00 -3227153.00
BHOPAL
34 -
209. 9022 GOPALPUR 09/01/2023 4913514.00 943208.00 -3970306.00
BHOPAL
34 -
210. 9022 GOPALPUR 10/01/2023 6922774.00 943208.00 -5979566.00
BHOPAL
34 -
211. 9022 GOPALPUR 11/01/2023 6769974.00 943208.00 -5826766.00
BHOPAL
34 -
212. 9022 GOPALPUR 12/01/2023 2333611.00 943208.00 -1390403.00
BHOPAL
34 -
213. 9022 GOPALPUR 13/01/2023 1852436.00 943208.00 -909228.00
BHOPAL
34 -
214. 9022 GOPALPUR 16/01/2023 2178995.00 943208.00 -1235787.00
BHOPAL
34 -
215. 9022 GOPALPUR 17/01/2023 2021405.00 943208.00 -1078197.00
BHOPAL
34 -
216. 9022 GOPALPUR 18/01/2023 2933260.00 943208.00 -1990052.00
BHOPAL
34 -
217. 9022 GOPALPUR 19/01/2023 4213075.00 943208.00 -3269867.00
BHOPAL
34 -
218. 9022 GOPALPUR 20/01/2023 4791655.00 943208.00 -3848447.00
BHOPAL
34 -
219. 9022 GOPALPUR 21/01/2023 6161617.00 943208.00 -5218409.00
BHOPAL
34 -
220. 9022 GOPALPUR 23/01/2023 4935377.00 943208.00 -3992169.00
BHOPAL
34 -
221. 9022 GOPALPUR 24/01/2023 8522712.00 943208.00 -7579504.00
BHOPAL
34 - 10033802.0
222. 9022 GOPALPUR 25/01/2023 943208.00 -9090594.00
BHOPAL 0
34 -
223. 9022 GOPALPUR 27/01/2023 974062.00 943208.00 -30854.00
BHOPAL
34 -
224. 9022 GOPALPUR 30/01/2023 2416022.00 943208.00 -1472814.00
BHOPAL
34 -
225. 9022 GOPALPUR 31/01/2023 958742.00 943208.00 -15534.00
BHOPAL
34 -
226. 9022 GOPALPUR 01/02/2023 2523915.00 943208.00 -1580707.00
BHOPAL
34 -
227. 9022 GOPALPUR 02/02/2023 3510175.00 943208.00 -2566967.00
BHOPAL
34 -
228. 9022 GOPALPUR 03/02/2023 2955885.00 943208.00 -2012677.00
BHOPAL
34 -
229. 9022 GOPALPUR 04/02/2023 1574265.00 943208.00 -631057.00
BHOPAL
34 -
230. 9022 GOPALPUR 06/02/2023 2699145.00 943208.00 -1755937.00
BHOPAL
34 -
231. 9022 GOPALPUR 07/02/2023 1901418.00 943208.00 -958210.00
BHOPAL
34 -
232. 9022 GOPALPUR 08/02/2023 2205268.00 943208.00 -1262060.00
BHOPAL
34 -
233. 9022 GOPALPUR 09/02/2023 1473538.00 943208.00 -530330.00
BHOPAL
34 -
234. 9022 GOPALPUR 10/02/2023 1364116.00 943208.00 -420908.00
BHOPAL
Page 40 of 75
Cash
(Rs.)
34 -
235. 9022 GOPALPUR 13/02/2023 2378231.00 943208.00 -1435023.00
BHOPAL
34 -
236. 9022 GOPALPUR 14/02/2023 3243430.00 943208.00 -2300222.00
BHOPAL
34 -
237. 9022 GOPALPUR 15/02/2023 1388745.00 943208.00 -445537.00
BHOPAL
34 -
238. 9022 GOPALPUR 16/02/2023 2238055.00 943208.00 -1294847.00
BHOPAL
34 -
239. 9022 GOPALPUR 17/02/2023 2094395.00 943208.00 -1151187.00
BHOPAL
34 -
240. 9022 GOPALPUR 20/02/2023 2757695.00 943208.00 -1814487.00
BHOPAL
34 -
241. 9022 GOPALPUR 21/02/2023 2636445.00 943208.00 -1693237.00
BHOPAL
34 -
242. 9022 GOPALPUR 22/02/2023 2019660.00 943208.00 -1076452.00
BHOPAL
34 -
243. 9022 GOPALPUR 23/02/2023 3345780.00 943208.00 -2402572.00
BHOPAL
34 -
244. 9022 GOPALPUR 24/02/2023 2606574.00 943208.00 -1663366.00
BHOPAL
34 -
245. 9022 GOPALPUR 27/02/2023 2958157.00 943208.00 -2014949.00
BHOPAL
34 -
246. 9022 GOPALPUR 28/02/2023 4241862.00 943208.00 -3298654.00
BHOPAL
34 -
247. 9022 GOPALPUR 01/03/2023 4514522.00 943208.00 -3571314.00
BHOPAL
34 -
248. 9022 GOPALPUR 02/03/2023 3014522.00 943208.00 -2071314.00
BHOPAL
34 -
249. 9022 GOPALPUR 03/03/2023 4270517.00 943208.00 -3327309.00
BHOPAL
34 -
250. 9022 GOPALPUR 04/03/2023 3125147.00 943208.00 -2181939.00
BHOPAL
34 -
251. 9022 GOPALPUR 06/03/2023 6590982.00 943208.00 -5647774.00
BHOPAL
34 -
252. 9022 GOPALPUR 07/03/2023 7308682.00 943208.00 -6365474.00
BHOPAL
34 -
253. 9022 GOPALPUR 09/03/2023 8402142.00 943208.00 -7458934.00
BHOPAL
34 -
254. 9022 GOPALPUR 10/03/2023 1243052.00 943208.00 -299844.00
BHOPAL
34 -
255. 9022 GOPALPUR 13/03/2023 2803822.00 943208.00 -1860614.00
BHOPAL
34 -
256. 9022 GOPALPUR 14/03/2023 3351122.00 943208.00 -2407914.00
BHOPAL
34 -
257. 9022 GOPALPUR 15/03/2023 4542154.00 943208.00 -3598946.00
BHOPAL
34 -
258. 9022 GOPALPUR 16/03/2023 7229379.00 943208.00 -6286171.00
BHOPAL
34 -
259. 9022 GOPALPUR 17/03/2023 2098299.00 943208.00 -1155091.00
BHOPAL
34 -
260. 9022 GOPALPUR 18/03/2023 3173709.00 943208.00 -2230501.00
BHOPAL
34 -
261. 9022 GOPALPUR 20/03/2023 4379699.00 943208.00 -3436491.00
BHOPAL
34 -
262. 9022 GOPALPUR 21/03/2023 3672929.00 943208.00 -2729721.00
BHOPAL
34 -
263. 9022 GOPALPUR 22/03/2023 4674069.00 943208.00 -3730861.00
BHOPAL
34 -
264. 9022 GOPALPUR 23/03/2023 1613819.00 943208.00 -670611.00
BHOPAL
34 -
265. 9022 GOPALPUR 24/03/2023 3414784.00 943208.00 -2471576.00
BHOPAL
34 -
266. 9022 GOPALPUR 27/03/2023 6202924.00 943208.00 -5259716.00
BHOPAL
Page 41 of 75
Cash
(Rs.)
34 -
267. 9022 GOPALPUR 28/03/2023 5629624.00 943208.00 -4686416.00
BHOPAL
34 -
268. 9022 GOPALPUR 29/03/2023 1230244.00 943208.00 -287036.00
BHOPAL
34 -
269. 9022 GOPALPUR 31/03/2023 3573104.00 943208.00 -2629896.00
BHOPAL
Observation on Balances with RBI/SBI and Other Banks

Amt in Rs.Lakhs
Balance other
Sl.No Zone Name Branch Code Branch Name Bank Balance Books Remarks
bank
1. 34-BHOPAL 9022 GOPALPUR 0.00 0.00
Cash Transactions remaining un responded

Amt in Rs.Lakhs
Sl.No Zone Name Branch Code Branch Name Date Amount Remarks
Revenue Items requiring adjustment/Write off

Amt in Rs.Lakhs
Sl.No Zone Name Branch Code Branch Name Account Name Amount Remarks
BANK ENTRIES UN-RESPONDED FOR MORE THAN 15 DAYS

Amt in Rs.Lakhs
Date of
Sl.No Zone Name Branch Code Branch Name Name of Bank Debit Amount Credit Amount Remarks
Transaction
1. 34-BHOPAL 9022 GOPALPUR 0.00 0.00
Entries originated prior to,but communicated/recorded after the Year End in relation to
Currency Chest operations at the Branch/Other Link Branches, involving deposits
into/Withdrawals from the currency chest attached to such branches.
Amt in Rs.Lakhs
Deposit in Withdrawal from

Sl.No Zone Name Branch Code Branch Name Date of Entry Remarks
currency chest Currency chest
1. 34-BHOPAL 9022 GOPALPUR 0.00 0.00
Matters Deserving Special Attention
Page 42 of 75
NA
Details of Problematic Investments

Classification of Legal Action Initiated and Action Completed or
Particulars of Investment Reply if pending
Investment / Remarks Latest Status of Case Pending
nil nil nil
List Of Accounts Examined For Audit

Amt in Rs.Lakhs
Balance as
Balance as
Sl.N Branch Branch Account at Year End Nature of
Zone Name Account No Facility at Year End Total
o Code Name Name - Non- Description
- Funded
Funded
SANDEEP 01.Crop
9022321100 Not
1. 34-BHOPAL 9022 GOPALPUR SO Loan (incld. 454933.01 0.00 454933.01
02337 Applicable
REVARAM KCC)
NARAYAN
MUNDEL 01.Crop
34 - 9022321100 Not
2. 9022 GOPALPUR SO Loan (incld. 643351.59 0.00 643351.59
BHOPAL 02907 Applicable
BABULAL KCC)
MUNDEL
MAHESH
34 - JAT SO 9022605100 03.Vehicle Not
3. 9022 GOPALPUR 349674.00 0.00 349674.00
BHOPAL RAMVILAAS 00015 Loan Applicable
H JAT
NARAYAN
MUNDEL
34 - 9022605100 03.Vehicle Not
4. 9022 GOPALPUR SO 0.00 0.00 0.00
BHOPAL 00025 Loan Applicable
BABULAL
MUNDEL
SACHIN
34 - DHOKE SO 9022681100 Not
5. 9022 GOPALPUR 01.Staff loan 5093441.00 0.00 5093441.00
BHOPAL SANTOSH 00002 Applicable
DHOKE
VINOD 01.Crop
34 - 9022761100 Not
6. 9022 GOPALPUR KUMAR Loan (incld. 716440.09 0.00 716440.09
SHARMA KCC)
01.Crop
34 - KAILASH 9022761100 Not
7. 9022 GOPALPUR Loan (incld. 1534415.00 0.00 1534415.00
BHOPAL JAT 00399 Applicable
KCC)
OMPRAKAS
34 - H JAT SO 9022762100 03.Other Not
8. 9022 GOPALPUR 44562.05 0.00 44562.05
BHOPAL BHUJRAM 00346 Agri Applicable
JAT
SANDEEP
34 - 9022762100 03.Other Not
9. 9022 GOPALPUR SO 964827.00 0.00 964827.00
BHOPAL 00355 Agri Applicable
REVARAM
BABULAL
34 - AND SONS 9022762100 03.Other 11429442.3 11429442.3 Not
10. 9022 GOPALPUR 0.00
BHOPAL WAREHOU 00360 Agri 6 6 Applicable
SE
MAA
34 - GEETA 9022762100 03.Other Not
11. 9022 GOPALPUR 8288653.00 0.00 8288653.00
BHOPAL WAREHOU 00361 Agri Applicable
SE
JAMNA
PARASHAR
34 - 9022762100 03.Other Not
12. 9022 GOPALPUR SONS 7770157.00 0.00 7770157.00
WAREHOU
SE
Page 43 of 75
Balance as
Balance as
- Funded
Funded
NANDLAL
34 - JAT SO 9022762100 03.Other Not
13. 9022 GOPALPUR 646400.00 0.00 646400.00
BHOPAL BABULAL 00377 Agri Applicable
JAT
34 - KAILASH 9022762100 03.Other Not
14. 9022 GOPALPUR 1821373.72 0.00 1821373.72
BHOPAL JAT 00379 Agri Applicable
RAMOTAR
34 - JAT SO 9022762100 03.Other Not
15. 9022 GOPALPUR 884464.95 0.00 884464.95
BHOPAL HARISHAN 00386 Agri Applicable
KAR JAT
MAHESH
34 - JAT SO 9022762100 03.Other Not
16. 9022 GOPALPUR 825723.00 0.00 825723.00
BHOPAL RAMVILAAS 00388 Agri Applicable
H JAT
PRAKASH
34 - 9022762100 03.Other Not
17. 9022 GOPALPUR CHANDR 508325.16 0.00 508325.16
MALVIYA
KAILASH
01.Crop
34 - JAT SO 9022763100 Not
BHOPAL REVARAM 00307 Applicable
KCC)
JAT
RAVISHAN 01.Crop
34 - 9022763100 Not
19. 9022 GOPALPUR KAR Loan (incld. 908167.80 0.00 908167.80
MEENA KCC)
PARMANAN
01.Crop
34 - D S\O 9022763100 Not
BHOPAL HARIRAM 00320 Applicable
KCC)
JAT
OMPRAKES
H PATEL 01.Crop
34 - 9022763100 Not
21. 9022 GOPALPUR S/O Loan (incld. 785907.00 0.00 785907.00
PREMNARA KCC)
YAN PATEL
VINOD 01.Crop
34 - 9022763100 Not
22. 9022 GOPALPUR KUMAR Loan (incld. 499767.80 0.00 499767.80
SHARMA KCC)
NARAYAN
MUNDEL 01.Crop
34 - 9022776100 Not
BABULAL KCC)
MUNDEL
OMPRAKAS
01.Crop
34 - H JAT SO 9022776100 Not
BHOPAL BHUJRAM 00343 Applicable
KCC)
JAT
OMPRAKAS
01.Crop
34 - H JAT SO 9022776100 Not
KCC)
JAT
OMPRAKAS
01.Crop
34 - H JAT SO 9022776100 Not
KCC)
JAT
OMPRAKAS
01.Crop
34 - H JAT SO 9022776100 Not
KCC)
JAT
01.Crop
34 - KAILASH 9022776100 Not
BHOPAL JAT 00448 Applicable
KCC)
OMPRAKAS
01.Crop
34 - H JAT SO 9022776100 Not
KCC)
JAT
PRAKASH 01.Crop
34 - 9022776100 Not
30. 9022 GOPALPUR CHANDR Loan (incld. 814802.00 0.00 814802.00
MALVIYA KCC)
Page 44 of 75
Balance as
Balance as
- Funded
Funded
BHAGWAN
01.Crop
34 - SINGH S/O 9022321100 Not
BHOPAL DHANNU 01138 Applicable
KCC)
DHURVE
GANPATI
01.Crop
34 - BAI W/O 9022321100 Not
BHOPAL KACHRULA 01231 Applicable
KCC)
L
LAXMINAR
01.Crop
34 - AYAN S/O 9022321100 Not
BHOPAL CHINTALAL 01482 Applicable
KCC)
GAWALI
01.Crop
34 - PREM BAI 9022321100 Not
BHOPAL WO BIHARI 01551 Applicable
KCC)
NANDKISH
ORE 01.Crop
34 - 9022321100 Not
35. 9022 GOPALPUR MEENA S/O Loan (incld. 1084164.86 0.00 1084164.86
HARIRAM KCC)
MEENA
ARJUN
01.Crop
34 - KANGALI 9022321100 Not
BHOPAL S/O 01794 Applicable
KCC)
RANGALAL
MAHESH
NISHOD 01.Crop
34 - 9022321100 Not
37. 9022 GOPALPUR S/O Loan (incld. 385129.58 0.00 385129.58
JAGESHVA KCC)
R NISHOD
KAMAL
KISHORE 01.Crop
34 - 9022321100 Not
38. 9022 GOPALPUR JAT S/O Loan (incld. 371418.50 0.00 371418.50
RAMBHAR KCC)
OS JAT
SITARAM
01.Crop
34 - MINA SO 9022321100 Not
BHOPAL HARKISHA 02053 Applicable
KCC)
N
RAMNATH
01.Crop
34 - S/O 9022321100 Not
BHOPAL SHIVNARA 02065 Applicable
KCC)
YAN
DHOOMSIN
GH RAJPUT 01.Crop
34 - 9022321100 Not
SHIVKARA KCC)
N RAJPUT
RAMBHAR
34 - OS TADA 9022611100 02.Loan Not
42. 9022 GOPALPUR 674188.21 0.00 674188.21
BHOPAL S\O 00339 Against TDR Applicable
HEMRAJ
MAYA BAI
34 - MEENA D/O 9022611100 02.Loan Not
43. 9022 GOPALPUR 574421.00 0.00 574421.00
BHOPAL JAGANNAT 00351 Against TDR Applicable
H
ASHWINI
GEHLOT
34 - 9022722100 05.Educatio Not
44. 9022 GOPALPUR D/O 457240.42 0.00 457240.42
BHOPAL 00017 nal Loan Applicable
RAJESH
GEHLOT
SUGANA
34 - BAI W/O 9022611100 02.Loan Not
45. 9022 GOPALPUR 113381.00 0.00 113381.00
BHOPAL KACHRULA 00310 Against TDR Applicable
L
POOJA JAT
34 - D/O 9022611100 02.Loan Not
46. 9022 GOPALPUR 104579.58 0.00 104579.58
BHOPAL KACHRU 00311 Against TDR Applicable
LAL
Page 45 of 75
Balance as
Balance as
- Funded
Funded
AAYUSH
MAHESHW
34 - 9022611100 02.Loan Not
47. 9022 GOPALPUR ARI SO 218363.87 0.00 218363.87
BHOPAL 00327 Against TDR Applicable
BADRIPRA
SAD
GOVIND
34 - 9022271100 02.Loan Not
48. 9022 GOPALPUR MAHESHW 278403.66 0.00 278403.66
BHOPAL 00021 Against TDR Applicable
ARI
RAJSHREE
34 - 9022301100 Not
49. 9022 GOPALPUR SAREE 01.Micro 723248.71 0.00 723248.71
CENTER
34 - RAJPUT 9022301100 Not
50. 9022 GOPALPUR 01.Micro 993661.97 0.00 993661.97
BHOPAL TRADERS 00131 Applicable
ROUNAK
34 - SAREE 9022301100 Not
51. 9022 GOPALPUR 01.Micro 708608.00 0.00 708608.00
BHOPAL SHOWROO 00133 Applicable
M
34 - MAYURI 9022301100 Not
52. 9022 GOPALPUR 01.Micro 387479.91 0.00 387479.91
BHOPAL GARMENTS 00122 Applicable
34 - SACHIN 9022301100 Not
53. 9022 GOPALPUR 01.Micro 2001942.28 0.00 2001942.28
BHOPAL TRADERS 00132 Applicable
SURESH
CHAND
SHROTRIY 01.Crop
34 - 9022776100 Not
54. 9022 GOPALPUR A SO BADRI Loan (incld. 622798.00 0.00 622798.00
PRASAD KCC)
SHROTRIY
A
RAMOTAR
01.Crop
34 - JAT SO 9022776100 Not
BHOPAL HARISHAN 00361 Applicable
KCC)
KAR JAT
SRINIWAS
01.Crop
34 - JAT SO 9022776100 Not
BHOPAL HARISHAN 00354 Applicable
KCC)
KAR
JAGDISH
01.Crop
34 - JAT S/O 9022776100 Not
BHOPAL RAMGOPAL 00382 Applicable
KCC)
JAT
LAXMINAR
01.Crop
34 - AYAN S\O 9022776100 Not
BHOPAL GOVIND JI 00353 Applicable
KCC)
JAT
RAJESH
JAKHAD SO 01.Crop
34 - 9022776100 Not
59. 9022 GOPALPUR SHRI Loan (incld. 745525.00 0.00 745525.00
BHAGIRAT KCC)
H
OMPRAKAS
01.Crop
34 - H JAT SO 9022776100 Not
KCC)
JAT
PURSHOTT
AM
MALVIYA 01.Crop
34 - 9022776100 Not
GANESHPR KCC)
ASAD
MALVIYA
RAMESH
01.Crop
34 - S/O KANTA 9022776100 Not
BHOPAL PRASAD 00360 Applicable
KCC)
SHARMA
UMESH
34 - 9022763100 03.Other Not
63. 9022 GOPALPUR KUMAR 138684.00 0.00 138684.00
PANWAR
FASHION
34 - 9022301100 Not
64. 9022 GOPALPUR FAMILY 01.Micro 109569.65 0.00 109569.65
SHOP
Page 46 of 75
Balance as
Balance as
- Funded
Funded
BHAVANI
34 - 9022301100 Not
65. 9022 GOPALPUR MOBILE 01.Micro 303272.53 0.00 303272.53
GOPALPUR
SARVESH
34 - GIRI S/O 9022301100 Not
66. 9022 GOPALPUR 01.Micro 204135.78 0.00 204135.78
BHOPAL SHRI SIYA 00141 Applicable
GIRI
CHITRANS
34 - 9022301100 Not
67. 9022 GOPALPUR H AGENCY 01.Micro 747838.19 0.00 747838.19
GOPALPUR
AJAZ KHAN
34 - 9022301100 Not
68. 9022 GOPALPUR SO ANWAR 01.Micro 293463.51 0.00 293463.51
KHAN
NANDLAL
01.Crop
34 - JAT SO 9022763100 Not
BHOPAL BABULAL 00291 Applicable
KCC)
JAT
Total 73742141.32 0.00 73742141.32
Total
Outstanding of 678966315.11 0.00 678966315.11
the branch
Percentage
10.86 0.00 10.86
examined
Advances-Major Shortcomings in Credit Appraisal

Amt in Rs.Lakhs
Nature
Balance Major Branch ZO HO
Sl. Zone Branch Branch Account Account Sanction of
Facility Outstan Shortco Commen Commen Commen
No Name Code Name Name No ed Limit Descripti
ding mings t t t
on
34- GOPALP
1. 9022 0.00 0.00 Select
BHOPAL UR
Advances-(E.Review/Monitoring/Supervision)
Amt in Rs.Lakhs
Outstandi Nature of
Balance on
Financials
were not
available
in the
files,
BABULAL
same
AND
34- GOPALP 90227621 13000000 11429442 have been Not
1. 9022 SONS
BHOPAL UR 0000360 .00 .36 produced Applicable
WAREHO
before us
USE
after
same has
been
asked by
us.
Page 47 of 75
Outstandi Nature of
Balance on
Financials
were not
available
in the
files,
MAA same
34 - GOPALP GEETA 90227621 9600000. 8288653. have been Not
2. 9022
BHOPAL UR WAREHO 0000361 00 00 produced Applicable
USE before us
after
same has
been
asked by
us.
Financials
were not
available
in the
files,
JAMNA
same
PARASH
3. 9022 AR SONS
WAREHO
before us
USE
after
same has
been
asked by
us.
Financials
were not
available
in the
files,
same
SACHIN
4. 9022 TRADER
S
before us
after
same has
been
asked by
us.
Financials
were not
available
in the
files,
AJAZ same
34 - GOPALP KHAN SO 90223011 300000.0 293643.5 have been Not
5. 9022
BHOPAL UR ANWAR 0000144 0 1 produced Applicable
KHAN before us
after
same has
been
asked by
us.
Advances -F.Asset Classification, Provisioning of Advances and Resolution of Stressed

Assets
Amt in Rs.Lakhs
Zone Name 34-BHOPAL Branch Code 9022 Branch Name GOPALPUR
Particulars Financial Year No Amount (Rs. in Lakhs) No Amount (Rs. in Lakhs)

Claims as at the
Upto March 2020 0 0.00 0 0.00
beginning of the year
2020-2021 0 0.00 0 0.00
2021-2022 0 0.00 0 0.00
2022-2023 0 0.00 0 0.00
Page 48 of 75
Particulars Financial Year No Amount (Rs. in Lakhs) No Amount (Rs. in Lakhs)
Further cliams lodged
2022-2023 0 0.00 0 0.00
during the year
TOTAL (A) 0 0.00 0 0.00
Amounts representing:
Upto March 2020 0 0.00 0 0.00
a) Claims
accepted/settled
2020-2021 0 0.00 0 0.00
2021-2022 0 0.00 0 0.00
2022-2023 0 0.00 0 0.00
b) Caims rejected Upto March 2020 0 0.00 0 0.00
2020-2021 0 0.00 0 0.00
2021-2022 0 0.00 0 0.00
2022-2023 0 0.00 0 0.00
TOTAL (B) 0 0.00 0 0.00
Balance as at the Year-
Upto March 2020 0 0.00 0 0.00
end
2020-2021 0 0.00 0 0.00
2021-2022 0 0.00 0 0.00
2022-2023 0 0.00 0 0.00
TOTAL (A-B) 0 0.00 0 0.00
Advances-Cases of quick mortality in accounts, where the facility became non-performing

within a period of 12 months from the date of first sanction
Amt in Rs.Lakhs
Balance Nature
Branch ZO HO
Sl. Zone Branch Branch Account Account Sanction As At of
Facility Remarks Commen Commen Commen
No Name Code Name Name No ed Limit Year Descripti
t t t
End on
34- GOPALP
1. 9022
BHOPAL UR
Advances-Borrowal Accounts where applicable interest rate is not correctly fed in the
system
Amt in Rs.Lakhs
Interes Interes
Balanc Interes
t Rate t Branc Nature
Sl Branc Branc Accou Sancti e As t Rate ZO HO
Zone Accou Facilit fed in Short/ Remar h of
.N h h nt oned At As Per Comm Comm
Name nt No y the Over ks Comm Descri
o Code Name Name Limit Year Sancti ent ent
syste Charg ent ption
End on
m ed
34-
GOPA
1. BHOP 9022
LPUR
AL
Advances- Cases of frequent renewal / rollover of Short-Term loans

Amt in Rs.Lakhs
Page 49 of 75
How
Balanc Nature
Sl Accou Sancti Last Many Branch ZO HO
Zone Branch Branch Accou e As At Remar of
.N nt Facility oned Rollov Times Comm Comm Comm
Name Code Name nt No Year ks Descri
o Name Limit er Date Rolled ent ent ent
End ption
Over
34-
GOPAL
1. BHOPA 9022 0.00 0.00 0.00 Select
PUR
L
Advances-Credit facilities of bank's borrowers where credit rating assigned by RBI

accredited Credit Rating Agencies has been incorrectly fed into the system
Amt in Rs.Lakhs
Balanc Credit Nature

Sl Accou Sancti Valid Branch ZO HO
Zone Branch Branch Accou e As At Rating Remar of
.N nt Facility oned Credit Comm Comm Comm
Name Code Name nt No Year Fed in ks Descri
o Name Limit Rating ent ent ent
End System ption
34-
GOPAL
1. BHOPA 9022 0.00 0.00 Select
PUR
L
Advances-Credit facilities having been sanctioned beyond the delegated authority or limit
fixed for the branch
Amt in Rs.Lakhs
Amoun
t Date Of
Sancti Sancti
Balanc oned on/Rati Nature
Sl Accou Sancti Branch ZO HO
Zone Branch Branch Accou e As At Exceed fication Remar of
.N nt Facility oned Comm Comm Comm
Name Code Name nt No Year ing The From ks Descri
o Name Limit ent ent ent
End Delega Higher ption
ted Authori
Authori ty
ty
34-
GOPAL
1. BHOPA 9022
PUR
L
Advances-Credit facilities have been disbursed without complying with the terms and
conditions of the sanction
Amt in Rs.Lakhs

Limit nt nt nt
End rity tion
Affidavit
of
Change
PARMA in
34- NAND 9022763 01.Crop Father Not
GOPAL 1494000 1074248
1. BHOPA 9022 S\O 1000032 Loan Name Applicab
PUR .00 .40
L HARIRA 0 (incld. not in le
M JAT records
as per
sanction
letter
Page 50 of 75
Limit nt nt nt
End rity tion
pre
disburse
ment
conditio
NANDL n of
34 - AL JAT 9022763 01.Crop sanction Not
GOPAL 1570000 1163243
2. BHOPA 9022 SO 1000029 Loan letter not Applicab
PUR .00 .24
L BABUL 1 (incld. fulfiled le
AL JAT regard
to close
of old
Loan
account
Advances-Credit facilities released by the branch without execution of all the necessary
documents
Amt in Rs.Lakhs
Nature
Of
Balance Irregula Nature
Sl. Zone Branch Branch Accoun Accoun Type of As At rity/Doc Remark of
No Name Code Name t Name t No Facility Year ument s Descrip
Limit nt nt nt
End Not tion
Obtaine
d
34-
GOPAL
1. BHOPA 9022
PUR
L
Advances-Deficiencies in documentation, including non-registration of charges, non-

obtaining of guarantees, etc
Amt in Rs.Lakhs

Limit nt nt nt
End entation tion
In case
of
vehicle
loan
where
registrati
on
34- 9022761 01.Crop RC certificat
GOPAL KAILAS 1500000 1534415
1. BHOPA 9022 1000039 Loan Copy e/
PUR H JAT .00 .00
L 9 (incld. Missing transfer
certificat
e/ bill/
receipt
etc are
not
obtained
.
Page 51 of 75
Limit nt nt nt
End entation tion
In case
of
vehicle
loan
where
registrati
OMPRA Insuranc on
34 - KASH 9022762 e and certificat
GOPAL 03.Other 100000. 44562.0
2. BHOPA 9022 JAT SO 1000034 RC e/
PUR Agri 00 0
L BHUJR 6 Copy transfer
AM JAT Missing certificat
e/ bill/
receipt
etc are
not
obtained
.
RC
Copy
Missing,
Borrowe
r
Accident
SANDE al
34 - 9022762 Not
GOPAL EP SO 03.Other 1500000 964827. Insuranc
PUR REVAR Agri .00 00 e Policy
L 5 le
AM not in
files,
Latest
Physical
Photo of
Vehcile
missing
Sanction
JAMNA letter not
PARAS fully
34 - 9022762 Not
GOPAL HAR 03.Other 9000000 7770157 filed,
PUR SONS Agri .00 .00 prepaym
L 2 le
WAREH ent
OUSE clause
blank
In case
of
As pe vehicle
Sanction loan
letter where
bank registrati
name to on
34 - 9022762 be there certificat
GOPAL KAILAS 03.Other 1900000 1821373
5. BHOPA 9022 1000037 on the e/
PUR H JAT Agri .00 .72
L 9 vehicle, transfer
photo is certificat
missing e/ bill/
to verify receipt
the etc are
same. not
obtained
.
RAMBH Renewal TDR/ST
AROS noting DR was
34 - 9022611 02.Loan
GOPAL TADA 550000. 674188. on not
PUR S\O 00 21 physical discharg
L 9 TDR
HEMRA FDR not ed/
J made renewed
MAYA Renewal TDR/ST
BAI noting DR was
34 - 9022611 02.Loan
GOPAL MEENA 500000. 574421. on not
PUR D/O 00 00 physical discharg
L 1 TDR
JAGAN FDR not ed/
NATH made renewed
Renewal TDR/ST
SUGAN
noting DR was
34 - A BAI 9022611 02.Loan
GOPAL 79000.0 113381. on not
8. BHOPA 9022 W/O 1000031 Against
PUR 0 00 physical discharg
L KACHR 0 TDR
FDR not ed/
ULAL
made renewed
Page 52 of 75
Limit nt nt nt
End entation tion
Renewal TDR/ST
POOJA noting DR was
34 - 9022611 02.Loan
GOPAL JAT D/O 79000.0 104579. on not
PUR KACHR 0 58 physical discharg
L 1 TDR
U LAL FDR not ed/
made renewed
AAYUS
Renewal TDR/ST
H
noting DR was
34 - MAHES 9022611 02.Loan
10 GOPAL 250000. 218363. on not
BHOPA 9022 HWARI 1000032 Against
. PUR 00 87 physical discharg
L SO 7 TDR
FDR not ed/
BADRIP
made renewed
RASAD
1.
Renewal
date
mention
ed in
sanction
letter
dated
March
2022, is
mention
ed as 28
March
2020
instead
of 28
March
2023 2.
In
RAJSH Sanction
34 - REE 9022301 Letter Not
11 GOPAL 740000. 723248.
BHOPA 9022 SAREE 1000012 01.Micro Point No Applicab
. PUR 00 71
L CENTE 8 18 Loan le
R Amount
is 25
Lacs
instead
of 7.40
Lacs 3.
In
Sanction
Letter
Point No
21
Processi
ng
Charges
,
Docume
ntation
Charges
, etc are
blank
Advances-Advances against lien of deposits granted without marking a lien on the bank's
deposit receipts and the related accounts
Amt in Rs.Lakhs
Balanc Particu Nature

Sl Accou Sancti Date of Branch ZO HO
Zone Branch Branch Accou Type of e As At lars Of Remar of
.N nt oned docum Comm Comm Comm
Name Code Name nt No Facility Year Securit ks Descri
o Name Limit ent ent ent ent
End y ption
34-
GOPAL
1. BHOPA 9022
PUR
L
Page 53 of 75
Advances-Detail of accounts overdue for review/renewal
Amt in Rs.Lakhs
Balanc Nature
Sl Accou Sancti Review Branch ZO HO
.N nt oned Overdu Ageing Comm Comm Comm
o Name Limit e Since ent ent ent
End ption
Periodi
c
Renew review/
al due renewal
in of
SACHI
34- 902230 3 to 6 January advanc
GOPAL N 01.Micr 200000 200194 17/01/2
1. BHOPA 9022 110000 MONT 2023, es are
PUR TRADE o 0.00 2.00 023
L 132 HS no not
RS
docume done as
nt laid
found down
by
bank.
Advances-Detail of accounts where stock/book debt statements and other periodic

operational data is not received regularly and duly scrutinized
Amt in Rs.Lakhs
Amount in Rs YES
Date of
latest
Limit nt nt nt
End ancial tion
stateme
nt, etc
The
Stock
stock,
Stateme
book
nt are
debts
not
stateme
34- SACHIN 9022301 regular
GOPAL 2000000 2001942 nts were
PUR .00 .00 not
L RS 2 are not
received
matchin
regularly
g with
/
the
promptly
system
.
The
Stock
stock,
Stateme
book
nt are
debts
not
stateme
34 - RAJPUT 9022301 regular
GOPAL 1000000 993661. nts were
PUR .00 97 not
L RS 1 are not
received
matchin
regularly
g with
/
the
promptly
system
.
The
Stock
stock,
Stateme
book
nt are
debts
RAJSH not
stateme
34 - REE 9022301 regular
PUR 00 00 not
L CENTE 8 are not
received
R matchin
regularly
g with
/
the
promptly
system
.
Page 54 of 75
Date of
latest
Limit nt nt nt
End ancial tion
stateme
nt, etc
The
Stock
stock,
Stateme
book
nt are
debts
ROUNA not
stateme
34 - K 9022301 regular
PUR 00 00 not
L SHOWR 3 are not
received
OOM matchin
regularly
g with
/
the
promptly
system
.
The
Stock
stock,
Stateme
book
nt are
debts
not
FASHIO stateme
34 - 9022301 regular
GOPAL N 200000. 109569. nts were
PUR FAMILY 00 00 not
L 4 are not
SHOP received
matchin
regularly
g with
/
the
promptly
system
.
The
Stock
stock,
Stateme
book
nt are
CHITRA debts
not
NSH stateme
34 - 9022301 regular
GOPAL AGENC 750000. 747838. nts were
PUR Y 00 00 not
L 6 are not
GOPAL received
matchin
PUR regularly
g with
/
the
promptly
system
.
Advances-List of Borrowers where stock audit was required but not conducted / or where
stock audit was conductedbut no action was taken on adverse features
Amt in Rs.Lakhs
Date Of Date
Latest Since
Balanc Nature
Sl Accou Sancti Stock/ Stock Branch ZO HO
.N nt oned Book Audit Comm Comm Comm
o Name Limit Debt Not ent ent ent
End ption
Statem Condu
ent. cted.
34-
GOPAL
1. BHOPA 9022
PUR
L
Advances To Non- Corporate Entities With Limits Beyond That Is Set By The Bank Where
The Branch Has Not Obtained The Duly Audited Accounts Of Borrowers
Borrowers having total annual Sales/ Turnover or gross receipts (as the case may be) in business exceeding Rs.1.00
Applicable or
crore and/or where credit limit is Rs.20.00 lacs above, whichever is lower. In case of persons carrying on Profession, NA
Not
Audited financial statement to be submitted if gross receipts in profession for the year exceed Rs.50 lakhs.
Page 55 of 75
Financi
al year
Balance of latest Nature
Sl. Zone Branch Branch Accoun Accoun Type of As At audited Remark of
No Name Code Name t Name t No Facility Year account s Descrip
Limit nt nt nt
End s tion
obtaine
d
34-
GOPAL
1. BHOPA 9022
PUR
L
Advances-List of accounts where due diligence report/certificate in the form and manner
required by the Reserve Bank of India in respect of advances under consortium and
multiple banking arrangements has not been obtained
Amt in Rs.Crores
Date
Since
Due
Balance Nature
Sanctio Diligenc Branch ZO HO
Sl. Zone Branch Branch Accoun Accoun Type of As At Remark of
ned e Comme Comme Comme
No Name Code Name t Name t No Facility Year s Descrip
Limit Report nt nt nt
End tion
Not
Obtaine
d.
34-
GOPAL
1. BHOPA 9022
PUR
L
Advances-List of accounts where inspection or physical verification of securities charged

to the bank has not been carried out by the branch
Amt in Rs.Lakhs
Last
Date Of
Balance Inspecti Nature
Sl. Zone Branch Branch Accoun Accoun Type of As At on Or Remark of
No Name Code Name t Name t No Facility Year Physica s Descrip
Limit nt nt nt
End l tion
Verifica
tion.
34-
GOPAL
1. BHOPA 9022 0.00 0.00 Select
PUR
L
Advances-List of accounts where there is a substantial deterioration in value of security

during financial year as per latest valuation report in comparison with earlier valuation
report on record
Amt in Rs.Lakhs
Erosio
Balanc Latest Earlier
Type n In Branc Nature
Sl Branc Branc Accou Sancti e As Valuati Valuati ZO HO
Zone Accou of Value Remar h of
.N h h nt oned At on Of on Of Comm Comm
Name nt No Facilit Of ks Comm Descri
o Code Name Name Limit Year Securi Securi ent ent
y Securi ent ption
End ty ty
ty
34- GOPA
1. 9022
BHOP LPUR
Page 56 of 75
Erosio
Balanc Latest Earlier
Type n In Branc Nature
Sl Branc Branc Accou Sancti e As Valuati Valuati ZO HO
Zone Accou of Value Remar h of
.N h h nt oned At on Of on Of Comm Comm
Name nt No Facilit Of ks Comm Descri
o Code Name Name Limit Year Securi Securi ent ent
y Securi ent ption
End ty ty
ty
AL
Advances-Cases of deficiencies, including in value of securities and inspection thereof or

any other adverse features such as frequent/ unauthorized overdrawing beyond limits,
inadequate insurance coverage,etc.
Amt in Rs.Lakhs
Advers
Balance e Nature
Limit nt nt nt
End Observ tion
ed
Stock
Insuranc
Insuranc
e Policy
e cover
AJAZ expired
for
34- KHAN 9022301 on 26th
GOPAL 300000. 293643. stock/
1. BHOPA 9022 SO 1000014 01.Micro January
PUR 00 51 property
L ANWAR 4 2023
is
KHAN new
inadequ
insuranc
a
e not
found
Stock
Insuranc
e Policy Insuranc
CHITRA expired e cover
NSH on 5th for
34 - 9022301
GOPAL AGENC 750000. 747838. April stock/
2. BHOPA 9022 1000015 01.Micro
PUR Y 00 19 2023 property
L 6
GOPAL new is
PUR shpuld inadequ
be taken a
in due
course
Insuranc
SARVE . Stock e cover
SH GIRI Insuranc for
34 - 9022301
GOPAL S/O 200000. 204135. e Policy stock/
3. BHOPA 9022 1000014 01.Micro
PUR SHRI 00 78 not property
L 1
SIYA availabl is
GIRI e inadequ
a
Insuranc
. Stock e cover
BHAVA
Insuranc for
34 - NI 9022301
GOPAL 300000. 303272. e Policy stock/
4. BHOPA 9022 MOBILE 1000012 01.Micro
PUR 00 53 not property
L GOPAL 3
availabl is
PUR
e inadequ
a
Insuranc
. Stock e cover
FASHIO Insuranc for
34 - 9022301
GOPAL N 200000. 109569. e Policy stock/
5. BHOPA 9022 1000004 01.Micro
PUR FAMILY 00 00 not property
L 4
SHOP availabl is
e inadequ
a
Page 57 of 75
Advers
Balance e Nature
Limit nt nt nt
End Observ tion
ed
Insuranc
e
Insuranc
expired
e cover
on 5th
for
34 - SACHIN 9022301 April
GOPAL 2000000 2001942 stock/
6. BHOPA 9022 TRADE 1000013 01.Micro 2023,
PUR .00 .00 property
L RS 2 same
is
needs to
inadequ
be taken
a
in due
course
Insuranc Insuranc
e e cover
expired for
34 - MAYURI 9022301
GOPAL 800000. 387479. on 12th stock/
7. BHOPA 9022 GARME 1000012 01.Micro
PUR 00 91 January property
L NTS 2
2023, is
fresh not inadequ
found a
Insuranc Insuranc
e e cover
ROUNA
expired for
34 - K 9022301
GOPAL 700000. 708608. on 9th stock/
8. BHOPA 9022 SAREE 1000013 01.Micro
PUR 00 00 August property
L SHOWR 3
2022, is
OOM
fresh not inadequ
found a
Insuranc Insuranc
e e cover
expired for
34 - RAJPUT 9022301
GOPAL 1000000 993661. on 1st stock/
9. BHOPA 9022 TRADE 1000013 01.Micro
PUR .00 97 March property
L RS 1
2023, is
fresh not inadequ
found a
Advances-Deviations observed with respect to compliance of Bank's policy on Red Flag

Accounts
Amt in Rs.Lakhs
Balance Deviatio Nature

Sl. Zone Branch Branch Accoun Accoun Type of As At ns Remark of
No Name Code Name t Name t No Facility Year Observ s Descrip
Limit nt nt nt
End ed tion
34-
GOPAL
1. BHOPA 9022
PUR
L
Advances-Comment on adverse features considered significant in top 5 standard large

advances and which need management's attention
Amt in Rs.Lakhs
Signific
ant
Limit nt nt nt
End s tion
Observ
ed
34- GOPAL BABUL 9022762 03.Other 1300000 1142944 Financia Financia
1. 9022
BHOPA PUR AL AND 1000036 Agri 0.00 2.00 ls of FY l
Page 58 of 75
Signific
ant
Limit nt nt nt
End s tion
Observ
ed
21-22
were not
availabl
e in
files, but
same stateme
have nts/
been Audited
submitte stateme
d during nts / QIS
the / other
period of operatio
audit No nal data,
Proper etc are
SONS system not
L WAREH 0 of received
OUSE Mapping regularly
Sanction /
Letter promptly
terms / not
into scrutiniz
system ed and
as no
Various suitable
Charges action is
as per taken.
Sanction
letter not
charged
to
Client.
Financia
ls of FY
21-22
were not
availabl
e in Financia
files, but l
same stateme
have nts/
been Audited
submitte stateme
d during nts / QIS
the / other
period of operatio
audit No nal data,
MAA
GOPAL GEETA 03.Other 9600000 8288653
PUR WAREH Agri .00 .00
L 1 of received
OUSE
Mapping regularly
Sanction /
Letter promptly
terms / not
into scrutiniz
system ed and
as no
Various suitable
Charges action is
as per taken.
Sanction
letter not
charged
to
Client.
Page 59 of 75
Signific
ant
Limit nt nt nt
End s tion
Observ
ed
Financia
ls of FY
21-22
were not
availabl
e in Financia
files, but l
same stateme
have nts/
been Audited
submitte stateme
d during nts / QIS
the / other
period of operatio
JAMNA
audit No nal data,
PARAS
GOPAL HAR 03.Other 9000000 7770157
PUR SONS Agri .00 .00
L 2 of received
WAREH
Mapping regularly
OUSE
Sanction /
Letter promptly
terms / not
into scrutiniz
system ed and
as no
Various suitable
Charges action is
as per taken.
Sanction
letter not
charged
to
Client.
Financia
ls of FY
21-22
were not
availabl
e in Financia
files, but l
same stateme
have nts/
been Audited
submitte stateme
d during nts / QIS
the / other
period of operatio
audit No nal data,
34 - SACHIN 9022301 Proper etc are
GOPAL 2000000 2001942
4. BHOPA 9022 TRADE 1000013 01.Micro system not
PUR .00 .00
L RS 2 of received
Mapping regularly
Sanction /
Letter promptly
terms / not
into scrutiniz
system ed and
as no
Various suitable
Charges action is
as per taken.
Sanction
letter not
charged
to
Client.
Advances-List of accounts where branch has not complied with the accounting norms
relating to leasing activities
Amt in Rs.Lakhs
Page 60 of 75
Non-
Compli
ance Of
Balance Nature
Sanctio Relevan Branch ZO HO
Sl. Zone Branch Branch Accoun Accoun Type of As At Remark of
ned t Comme Comme Comme
No Name Code Name t Name t No Facility Year s Descrip
Limit Accoun nt nt nt
End tion
ting
Standar
ds
34-
GOPAL
1. BHOPA 9022
PUR
L
Advances-List of accounts where manual intervention done to override SLAC

Amt in Rs.Lakhs
Balanc Classifi Classifi Nature

Sl Accou Sancti Branch ZO HO
Zone Branch Branch Accou Type of e As At cation cation Remar of
.N nt oned Comm Comm Comm
Name Code Name nt No Facility Year As Per By ks Descri
o Name Limit ent ent ent
End Slac Branch ption
34-
GOPAL
1. BHOPA 9022
PUR
L
assets
Amt in Rs.Lakhs
Classif
ication
y By ent ption
End h t
Audito
r
STOC STOC
K K
STATE STATE
MENT MENT
FASHI
AND AND
34- ON 90223 Sub Not
GOPA 01.Micr 20000 10913 Standa FINAN FINAN
1. BHOP 9022 FAMIL 01100 Standa Applica
LPUR o 0.00 6.65 rd CIALS CIALS
AL Y 00044 rd ble
COPY COPY
SHOP
NOT NOT
ON ON
RECO RECO
RD RD
DUE DUE
MAHE PRINC PRINC
SH IPAL / IPAL /
NISHO INTER INTER
34 - 90223 01.Cro Sub Not
GOPA D S/O 31000 38512 Standa EST EST
LPUR JAGES 0.00 8.58 rd NOT NOT
HVAR SERV SERV
NISHO ED ED
D TILL TILL
DATE DATE
Page 61 of 75
Classif
ication
y By ent ption
End h t
Audito
r
DUE DUE
PRINC PRINC
GANP IPAL / IPAL /
ATI INTER INTER
34 - 90223 01.Cro Sub Not
GOPA BAI 35800 53837 Standa EST EST
LPUR W/O 0.00 0.83 rd NOT NOT
KACH SERV SERV
RULAL ED ED
TILL TILL
DATE DATE
DUE DUE
PRINC PRINC
ARJUN IPAL / IPAL /
KANG INTER INTER
34 - 90223 01.Cro Sub Not
GOPA ALI 30800 40537 Standa EST EST
LPUR S/O 0.00 9.76 rd NOT NOT
RANG SERV SERV
ALAL ED ED
TILL TILL
DATE DATE
Advances-List the accounts (with outstanding in excess of Rs. 10.00 crore) which have
either been downgraded or upgraded with regard to their classification as Non-Performing
Asset or Standard Asset during the year
Amt in Rs.Crores
Reasons
for
Balance Nature
Classific Earlier upgradat
Sl. Zone Branch Branch Account Account Type of Sanction As At of
ation By Classific ion/dow Remarks
No Name Code Name Name No Facility ed Limit Year Descripti
Branch ation n
End on
gradatio
n
34- GOPALP
1. 9022
BHOPAL UR
Advances-Accounts restructured or rephased during the year

Amt in Rs.Lakhs
Nature of
Sl.N Zone Branch Branch No. Of Amount Classificat Branch ZO HO
Remarks Descriptio
o Name Code Name Accounts Involved ion Comment Comment Comment
n
34- GOPALPU
1. 9022
BHOPAL R
assets
Amt in Rs.Lakhs
Page 62 of 75
Type Presen Branc Nature
Zone Accou of t Remar h of
.N h h nt oned At Before Disagr Comm Comm
Name nt No Facilit Classif ks Comm Descri
o Code Name Name Limit Year Upgra eemen ent ent
y ication ent ption
End dation t
34-
GOPA
1. BHOP 9022
LPUR
AL
Advances-List of accounts where relevant Controlling Authority of the bank has authorized
legal action for recovery of advances or recalling of advances, but no such action was
taken by the branch
Amt in Rs.Lakhs
Instruc
Balanc tions Nature
Sl Accou Sancti Presen Branch ZO HO
Zone Branch Branch Accou Type of e As At To Remar of
.N nt oned t Comm Comm Comm
Name Code Name nt No Facility Year Take ks Descri
o Name Limit Status ent ent ent
End Legal ption
Action
34-
GOPAL
1. BHOPA 9022
PUR
L
Advances-List of accounts where accounts wherein process under IBC is mandated but
not initiated by the branch
Amt in Rs.Crores
IBC
Proces
Balanc
Type s Adequ Branc Nature
Sl Branc Branc Accou Sancti e As Presen ZO HO
Zone Accou of Initiate acy of Remar h of
.N h h nt oned At t Comm Comm
Name nt No Facilit d On Provisi ks Comm Descri
o Code Name Name Limit Year Status ent ent
y And on ent ption
End
By
Whom
34-
GOPA
1. BHOP 9022
LPUR
AL
Advances-Details of claims for credit guarantee (ECGC and others), if any rejected
Amt in Rs.Lakhs
Claim At Further
The Claim Claims Balance
Claims
Beginning Lodged Total (A) Accepted/ Total (B) As At Year
Rejected
Of The During The Settled End (A-B)
Year Year
Nat
Bra
S Zon Bra Bra ZO HO ure
Nu Nu Nu Nu Nu Nu Nu nch
l. e nch nch Am Am Am Am Am Am Am Rem Co Co of
mbe mbe mbe mbe mbe mbe mbe Co
N Nam Cod Nam ount ount ount ount ount ount ount arks mm mm Des
r r r r r r r mm
o e e e ent ent cript
ent
ion
34- GO
1 902
BHO PAL 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00
. 2
PAL PUR
Page 63 of 75
Advances-List of advances where valuation reports for immoveable properties charged to
Bank have not been obtained once in three years, unless the circumstances warrant a
shorter duration
Amt in Rs.Lakhs
Balanc Latest
Type Value Branc Nature
Sl Branc Branc Accou Sancti e As Securi Valuati ZO HO
Zone Accou of of Remar h of
.N h h nt oned At ty on Comm Comm
Name nt No Facilit Securi ks Comm Descri
o Code Name Name Limit Year Details Report ent ent
y ty ent ption
End Date
34-
GOPA
1. BHOP 9022
LPUR
AL
Advances-Details of the cases of compromise/settlement and write-off cases involving write-offs/waivers in excess of Rs.50.00
lakhs
Amt in Rs.Lakhs
Compr
Balanc Recov
Type omise Recov Branc Nature
Sl Branc Branc Accou Sancti e As ery To ZO HO
Zone Accou of d/Settl ery Remar h of
.N h h nt oned At Be Comm Comm
Name nt No Facilit ement Effecte ks Comm Descri
o Code Name Name Limit Year Effecte ent ent
y Amou d ent ption
End d
nt
34-
GOPA
1. BHOP 9022
LPUR
AL
Advances-Age-wise analysis of decrees obtained for recovery from the defaulting

borrowers and pending execution
Amt in Rs.Lakhs
Decrees Ageing Brief

Suits Balance Nature
Decrees Decrees Pendin In Years reasons Branch ZO HO
Sl. Zone Branch Branch Filed/ As At of
Obtaine Execute g 0-1 Yr for Comme Comme Comme
No Name Code Name Pendin Year Descrip
d d Executi 1-2 Yr penden nt nt nt
g End tion
on 2-3 Yrs cy
34-
GOPAL
1. BHOPA 9022
PUR
L
Advances-Details of recoveries having been appropriated against the principal / interest as

per the policy of the bank
Amt in Rs.Lakhs
Appro Appro
Balan priate priate Recov
Sl Type Branc Natur
Branc Branc Accou Sancti ce As d d ery To ZO HO
. Zone Accou of Recov Rema h e of
h h nt oned At Again Again Be Com Com
N Name nt No Facilit eries rks Com Descri
Code Name Name Limit Year st st Effect ment ment
o y ment ption
End Princi Intere ed
pal st
34-
GOPA
1. BHOP 9022
LPUR
AL
Page 64 of 75
Advances-Major deficiencies in credit review, monitoring and supervision
Amt in Rs.Lakhs
Classifi Major
Balanc Nature
Sl Accou Sancti cation Deficie Branch ZO HO
.N nt oned Of ncies Comm Comm Comm
o Name Limit Accou Observ ent ent ent
End ption
nt ed
34 -
GOPAL
1. BHOPA 9022
PUR
L
Advances-List of borrowers with details of LCs devolved or guarantees invoked during the
year
Non-Fund Based facilities

Amt in Rs.Lakhs
Nature of
Sl. Zone Branch Branch Invocatio Party Beneficia Recovery Branch ZO HO
Amount Descripti
No Name Code Name n Date Name ry Name Date Comment Comment Comment
on
34 - GOPALP
1. 9022 0.00
BHOPAL UR
Advances-List of borrowers where the LCs have been devolved or guarantees have been
invoked but not paid with amount thereof
Non-Fund Based Facilities

Amt in Rs.Lakhs
Reason
Nature of
Sl. Zone Branch Branch Invocatio Party Beneficia for non Branch ZO HO
Amount Descripti
No Name Code Name n Date Name ry Name payment/ Comment Comment Comment
on
Remarks
34 - GOPALP
1. 9022
BHOPAL UR
Advances-List of instances where interchangeability between fund based and non-fund-

based facilities was allowed subsequent to devolvement of LC / invocation of BG
Amt in Rs.Lakhs
Amou Acco
Interc
Balan nt Of unt LC's/
S Type hang Date Branc Natur
Branc Branc Acco Acco Sanct ce As Devol Head BGs ZO HO
l. Zone of eabili of Rema h e of
h h unt unt ioned At ved Wher Limit Com Com
N Name Facili ty Reco rks Com Descr
Code Name Name No Limit Year LC/In e Unutil ment ment
o ty Sanct very ment iption
End voke Debit ised
ioned
d BG ed
34 - GOP
1. BHOP 9022 ALPU 0.00 0.00
AL R
Advances-Details of outstanding Suspense entries in excess of 90 days may be obtained
Page 65 of 75
from the branch and the reasons for delay in adjusting the entries (All items debited to
Suspense, DPWA, Clearing Suspense, other assets)
Amt in Actual Rs
Reasons
Item Nature of
Sl. Zone Branch Branch No of For Non- Branch ZO HO
Descripti Amount Remarks Descripti
No Name Code Name Items Adjustme Comment Comment Comment
on on
nt
3
As per As per
percentag
B.M same B.M same
34 - GOPALP e Promt 2299288. Not
1. 9022 4.00 is is
BHOPAL UR Repayme 00 Applicable
adjusted adjusted
nt
by HO by HO
incentive
Advances-Claims against the branch (including for Statutory dues) not acknowledged as
debts
Amt in Rs.Lakhs
Reasons Nature
Cause Branch ZO HO
Sl. Zone Branch Branch Nature Amount Date Of For Non- of
Of Remarks Commen Commen Commen
No Name Code Name Of Claim Claimed Action Provisio Descripti
Action t t t
ns on
34 - GOPALP
1. 9022 0.00 Select
BHOPAL UR
Details of the Deposits (Unclaimed, Dormant, Inoperative, Unpaid, Deceased, Overdue)

Amt in Rs.Lakhs
Dormant/I Deposits
Unclaime Branch Zone HO
Sl. Zone Branch Branch n- Unpaid of Overdue
d Remarks Comment Comment Comment
No Name Code Name Operative Deposits Deceased Deposits
Deposits s s s
Accounts Persons
As per
34 - GOPALP 2801460.
1. 9022 0.00 0.00 0.00 0.00 Balance
BHOPAL UR 31
sheet
Movement in Deposits
Amt in Rs.Lakhs
Demand Deposits Saving Deposits Term Deposits

As On As On As On
As On As On As On Branch Zone HO
Sl. Zone Branch Branch Balance Balance Balance
Date Of Date Of Date Of Remarks Commen Commen Commen
No Name Code Name Sheet Sheet Sheet
Audit Audit Audit ts ts ts
Date Date Date
There is
no major
34 - GOPALP 1988003 1984968 2637877 2637877 1092394 1092394
1. 9022 moveme
BHOPAL UR 7.19 6.96 29.67 29.67 97.56 97.56
nt in
Depsoits
Details of FCNR(B) deposits renewed

Amt in Rs.Lakhs
Page 66 of 75
Whether
Latest Regulator
Sl.N Zone Branch Branch Name Of Account Residentia y Branch Zone HO
Remarks
o Name Code Name Depositor No l Status Of Guidelines Comments Comments Comments
Depositor Complied
With
34 - GOPALPU
1. 9022
BHOPAL R
Other Liabilities - Bills Payable,Sundry Deposits, etc. (old outstanding items pending for
one years or more)
The number of items and the aggregate amount of old outstanding items pending for one
years or more

Item
Sl.N Zone Branch Branch Number Of Branch Zone HO
Year/Date Descriptio Amounts Remarks
o Name Code Name Items Comments Comments Comments
n
Statring
from 2009
as per
Officals
these are
paymnet
received to
Accounts
34 - GOPALPU be made to
1. 9022 0 not 587774.00
BHOPAL R customers
traceable
but those
account
deatils
were
invalid/clos
ed/credit
freezed.
Amount not
Excess
34 - GOPALPU cliamed by
2. 9022 08/04/2021 2 cash On 11500.00
BHOPAL R customer
Counter
till date
Major
balance of
Rs 5.5 lakh
appox ws
Interest transferred
34 - GOPALPU
3. 9022 31/03/2014 0 Payable 1811.94 to new
BHOPAL R
TDR account,
but this
balcne is
outstanding
till date.
Major items of the contingent liabilities (other than constituent's liabilities such as
guarantees, letter of credit, acceptances, endorsements, etc.) not acknowledged by the
branch
Amt in Rs.Lakhs
Nature Of
Branch Zone HO
Sl.No Zone Name Branch Code Branch Name Contingent Amounts Remarks
Comments Comments Comments
Liability
1. 34 - BHOPAL 9022 GOPALPUR 0.00
Page 67 of 75
Excess/Short Credit Of a Material Amount Of Interest/Discount/ Commission/ Fees Etc.
Actual Amt in Rs.

Amount in YES
Excess/Sh
Sl.N Branch Branch Account Account ort Credit Branch Zone HO
Zone Balance Remarks
o Code Name Number Title Of Material Comments Comments Comments
Amount
ANNUAL
PROPOSA PROCESSI
L NG FEES
34 - GOPALPU 90220PLC
1. 9022 PROCESSI 0.00 139210.00 BELONGIN
BHOPAL R R016
NG G TO FY
CHARGES 20-21 AND
21-22
Divergent trends in major items of income and expenditure, in comparison with

corresponding previous year
Actual Amt in Rs.

Current Year Previous Year

Income Expendit Profit/Lo Income Expendit Profit/Lo Branch Zone HO
Sl. Zone Branch Branch Divergen
Of ure Of ss Of Of ure Of ss Of Commen Commen Commen
No Name Code Name t Trends
Branch Branch Branch Branch Branch Branch ts ts ts
34 - GOPALP
1. 9022 0.00 0.00 0.00 0.00 0.00 0.00
BHOPAL UR
Adverse features reported in IS Audit that have a direct or indirect bearing on the branch
accounts and are pending compliance
Actual Amt in Rs.

Adverse
Date Of IS Branch Zone HO
Sl.No Zone Name Branch Code Branch Name Feature Remarks
Audit Comments Comments Comments
Reported
1. 34 - BHOPAL 9022 GOPALPUR
Exception Reports- Periodicity and major pending obsevations

Amt in Rs.Lakhs
Major
Observatio
Periodicity
ns Pending
Of Date Of
Compliance
Sl.N Branch Branch Generation Latest Branch Zone HO
Zone Name Of Daily Remarks
o Code Name Of Exception Comments Comments Comments
Exception
Exception Report
Reports At
Report
The Year
End
34 -
1. 9022 GOPALPUR
BHOPAL
Page 68 of 75
Details of unresponded/unmatched transactions beyond 7 days
Actual Amt in Rs.

Sl.N Branch Branch Nature Of Accounts Amount Branch Zone HO

Zone Name Remarks
o Code Name Transaction Involved Involved Comments Comments Comments
34 -
1. 9022 GOPALPUR 0.00
BHOPAL
Non-adherence to KYC/AML guidelines

Sl.N Branch Branch Account Account Branch Zone HO

Zone Name Balance Remarks
o Code Name Number Title Comments Comments Comments
34 -
1. 9022 GOPALPUR 0.00
BHOPAL
Major Adverse Comments Arising Out Of The Latest Audit Reports And Pending
Compliance
Amt in Rs.Lakhs
Pending
Sl.N Zone Branch Branch Report Date of Adverse Branch Zone HO
Complianc Remarks
o Name Code Name Type Report Comments Comments Comments Comments
es
The
matters
raised in
Last
Statutory
Previous
audit report
year
have not
34 - GOPALPU Branch
1. 9022 20/04/2022 been yes
BHOPAL R Audit
complied
Report/LFA
with and
R
issue
raised
therein are
present
even today.
Other Miscelleneous Matters


1 Sanction
Letter format
is not being
modified to
the
Due Care
requirement
1. 34-BHOPAL 9022 GOPALPUR Advanes should be
s of the loan,
taken for this
such as
under
Vehicle
Loan,
Sanction
Page 69 of 75
Letter reads
that Fnancial
Statements
are to be
submitted
annually. 2
As per
Manager
Processing
Charges are
levied only
upon
account
opening
however
Sanction
letter reads
annually in
most of the
cases
observed.
So Sanction
letter neds
correction 3
While
checking
Gold Loans,
it has been
observed
that on or
before the
closure date
of Gold
Loan, a new
gold loan
has been
sanctioned
and same
has been
used to
repay
part/major of
the
outstanding
of old gold
loan
account.
This is a
procedural
lapse 4
Branch do
not have any
system in
place to ask
for stock
statement,
financial
statements
timely from
the
borrowers;
and previous
stock
statement is
duplicated in
the system
5. In FD
Account
opening
forms cases
were
observed
where
witness
signatures,
date of
opening,
period of fd,
interest
rates were
missing 6. In
Saving
Page 70 of 75
Account
opening
forms, cases
were
observed
where
Section
60/61 of the
Form was
not filed,
also these
forms are
not properly
filled. 7.
Under
Sundry
Credits: a)
There are 9
Subsidy
accounts
where one
time subsidy
is received
for the loan
account of
the
borrower,
but there are
cases where
loan
accounts
have already
been closed
but Full/Part
Subsidy
amount has
not been
transferred
to borrower,
Also there
are subsidy
ledgers of
whom loan
accounts of
branch
officials
were unable
to be traced.
b) Subsidy
received
from
Government
account
Crop
Insurance
Claim
Settlement
is pending
long due,
during the
year there
were credit
transactions
in these
ledgers, as
per officials
this amount
belongs to
subsidy
received
from
government
for borrower
but borrower
account is
already
closed. At
the moment
there is no
detail as to
whom how
much
Page 71 of 75
amount
belongs c)
TDS
remitted on
a/c of
Depositors
there are 7
unreconciled
entries
belong to a
period of
October
2015 to
August 2017
d) Misc
Items, there
are
unreconciled
entries in the
account
which might
belong to
more than
90 days,
since there
are bulk and
part transfer
entries same
could not be
verified.
Branch do
not have any
detail about
the
unreconciled
entries in
hand.
Overdue Term Deposits to be bought into the notice of the management in the opinion of
auditor
Actual Amt in Rs.

Sl.N Branch Branch Account Observatio Branch Zone HO

Zone Name Account No Amount
o Code Name Name n Comments Comments Comments
Dormant Accounts more than 10 years old not transferred to DEAF and to be bought into
the notice of the management in the opinion of auditor
Amt in Rs.Lakhs
Sl.N Zone Branch Branch Account Observati Branch Zone HO

Head Account Amount
o Name Code Name Name on Comments Comments Comments
34- GOPALPU
1. 9022 0
BHOPAL R
TOD's frquently allowed in Current Accounts during the year and to be bought into the
notice of the management
Actual Amt in Rs.

Page 72 of 75
Sl.N Zone Branch Branch Account Name Of No. Of Observati Branch Zone HO
Date
o Name Code Name No The Party Days on Comments Comments Comments
34- GOPALPU
1. 9022 0
BHOPAL R
Locker Rent Overdue that needs to be bought into the notice of the management in the
opinion of auditor
Actual Amt in Rs.

Name Of Branch Zone HO

Sl. Zone Branch Branch Locker Ledger Rent Amount Observa
The Acc No Commen Commen Commen
No Name Code Name No Folio No Reg.No Overdue tion
Party ts ts ts
34 - GOPALP
1. 9022 0
BHOPAL UR
Instances of Window Dressing

Amt in Rs.Lakhs
Sl.N Zone Branch Branch Account Observati Branch Zone HO

Head Amount Remarks
o Name Code Name No on Comments Comments Comments
34 - GOPALPU
1. 9022 0.00
BHOPAL R
Outstanding entries (old/large/unusual) in Clearing Adjustment Accounts (Inward/Outward)
For Branches dealing in Clearing House Operations(Service Branches)
Actual Amt in Rs.

Reasons
Item Branch Zone HO
Sl. Zone Branch Branch No of For Non-
Year Descripti Amount Remarks Comment Comment Comment
No Name Code Name Items Adjustme
on s s s
nt
34- GOPALP
1. 9022 , 0.00 ,
BHOPAL UR
List the accounts (with outstanding in excess of Rs. 10.00 crore) which have been
upgraded from Non-Performing to Standard during the year
Amt in Rs.Crores
IRAC IRAC
Status Status
Balance Reason
As On As On Branch ZO HO
Sl. Zone Branch Branch Accoun Accoun Type of As At s for Remark
31st 31st Comme Comme Comme
No Name Code Name t Name t No Facility Year Upgrad s
March March nt nt nt
End ation
(Last (Curren
Year) t Year)
34- GOPAL
1. 9022
BHOPA PUR
Page 73 of 75
IRAC IRAC
Status Status
Balance Reason
As On As On Branch ZO HO
Sl. Zone Branch Branch Accoun Accoun Type of As At s for Remark
31st 31st Comme Comme Comme
No Name Code Name t Name t No Facility Year Upgrad s
March March nt nt nt
End ation
(Last (Curren
Year) t Year)
L
Page 74 of 75
For
Charted Accountants
FRN No :
(Name of the Partner/Proprietor)

Name :
Designation :
Membership No :
UDIN :
Place :
Date : 07/04/2023
Page 75 of 75

LFAR Final 2023 Gopalpur

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LFAR Final 2023 Gopalpur

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Run date :07/04/2023

LFAR FINAL AUDIT REPORT

Branch 9022-GOPALPUR Zone BHOPAL

6 Were balance confirmation certificates obtained in respect of outstanding balances as at the

8 Cash transactions remaining un-responded (give details). Select 'Complied' if no transactions

LR1C - Money at Call and Short Notice

15 Has interest accrued up to the year-end been properly recorded?

LR1E - Advances-(B.Credit Appraisal)

24 Whether the interest rate is reviewed periodically as per the guidelines

25 Have you come across cases of frequent renewal / rollover of short-term

LR1F - Advances-(C.Sanctioning / Disbursement)

Balance Nature Nature

30 Did the bank provide loans to companies for buy-back of shares/securities?

32 Deficiencies in documentation, including non-registration of charges, non-

Balance Deficien Nature

36 Is the DP properly computed?

38 Whether there exists a system of obtaining reports on stock audits periodically?

44 Has the inspection or physical verification of securities charged to the bank

45 Whether there is a substantial deterioration in value of security during financial

46 In respect of advances examined by you, have you come across cases of

48 Comment on adverse features considered significant in top 5 standard large

LR1I - Advances -(F.Asset Classification, Provisioning of Advances and

52 Is this identification &classification in line with the norms prescribed by the

54 Also indicate whether required changes have been incorporated/ suggested in

56 Whether RBI guidelines on income recognition and provisioning have been

60 Whether the upgradations in non-performing advances is in line with the norms

67 Whether the rejection is appropriately considered while determining the provisioning

68 In respect of non-performing assets, has the branch obtained valuation reports

72 In cases where documents are held at centralized processing centres / office,

73 List the major deficiencies in credit review, monitoring and supervision. If no

LR1J - Advances(G.Non-Fund Based facilities)

LR1K - Advances(Other Assets-Suspense Accounts/Sundry Assets)

79 Does the bank have a system of identification of dormant/ inoperative accounts

Demand Deposits Saving Deposits Term Deposits

82 Is the branch complying with the regulations on minimum balance requirement

LR2B - Other Liabilities - Bills Payable,Sundry Deposits, etc.

Actual Amount in Rs.

LR2C - Contingent Liabilities

LR3 - Profit and Loss Account

LR3A - Profit and Loss Account

Actual Amt in Rs.

88 Has the test check of interest on deposits revealed no discrepency. In case of

LR4A - Gold/Bullion/Security Items

LR4B - Books and Records

96 Whether branch is generating, and verifying exception reports at the periodicity

97 Whether the system of bank warrants expeditious compliance of daily

99 Furnish your comments on data integrity (including data entry, checking

LR4C - Inter-Branch Accounts

102 Does the branch expeditiously comply with/respond to the communications

LR4E - Implementation of KYC/AML guidelines

LR4F - Management Information System /IT

Sl.N Branch Branch Observatio Branch Zone HO

Summary of Audit Observation

Cash Balance exceeding the Retention limit - Date-wise (Part-2)

Observation on Balances with RBI/SBI and Other Banks

Cash Transactions remaining un responded

Revenue Items requiring adjustment/Write off

BANK ENTRIES UN-RESPONDED FOR MORE THAN 15 DAYS

Deposit in Withdrawal from

Matters Deserving Special Attention

Details of Problematic Investments

List Of Accounts Examined For Audit

Total 73742141.32 0.00 73742141.32

Advances-Major Shortcomings in Credit Appraisal