Tabular Processing

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Chairman Sir,
Reg:
Date: 03.09.2013
Regular Inspection and Audit Report as at 13.08.2011 of Branch Office Mandi Adampur.
The gist of outstanding irregularities of above report was sent to Sh. Y.S. Dhull by way of Tabular Proforma vide letter dated 10.05.2013
(Flag 'A') with an advise to submit his comments within a period of 03 days from the date of receipt of the letter followed by reminder dated
12.06.2013 and various telephonic reminders (02 from General Manager, 10 from Chief Manager and 05 from Senior Manager).. The
Regional Manager, Hisar was also simultaneously advised to follow-up the matter with Sh. Dhull vide our letter dated 10.05.2013. Regional
Office, Hisar also followed up the matter with Sh. Dhull vide reminders dated 06.06.2013 and 12.06.2013 (02 letters) apart from various
verbal reminders.
In reply to RO letter dated 12.06.2013 (Flag 'B'), Sh. Dhull submitted his reply vide letter dated 12.06.2013 (Flag 'C'), however, he has not
submitted reply to specific irregularities mentioned in the tabular proforma. The irregularities which were rectified have been dropped and
the details of outstanding irregularities, reply of Sh. Dhull and recommendations of RM, Hisar are appended below in tabulated format:
Appendix B, Item No. 39
PIR Item
No.
1B
5A (C)
5B (1)
5B (4)
Nature of irregularities
Comments of Erring Official
Recommendation of
Regional Manager, Hisar
2. In A/c No. 238, mutation is in the name of HSKGB instead

of HGB.
7. In A/c No. 250, land of Khewat No. 76/62, Khatoni No. 116
is mortgaged to Land Development Bank (amount &
measurement of land not mentioned), these details are not
included in the CR of borrower.
1. It is a matter of clarification
which I require to reply the tabular
proforma and it is not a matter of
non-compliance.
Vide letter dated 12.06.2013

(Flag 'D') Sh. Dhull was advised
as under, in response to his
reply mentioned alongside:
2. Tabular proforma of IR dated

22.10.12 Mandi Adampur is
already served/issued on the
bvasis of IR dated 17.06.09 and I
was
transferred
from
B.O.
Adampur as on 24.06.09.
"You are advised to submit your

reply/comments on the tabular
proforma itself for onward
submission to H.O. You may
express your views in the
prescribed column of tabular
proforma and ensure that no
Margin money has not been taken in A/c No. AH1727,1745,1763,1772,1781.

Margin money has not been taken in KICC A/c No.
130,137,134,139,157,144,148,151, DLPP-269, 280, 150, 165.
Income proof has not been taken in KICC A/c No.
269,272,273,274,277,146,149,153.
13B
13C
As per loan documents Sh. Narender Singh S/O Sh. Kashi Ram Village
Kisangarh is not having adequate resources or income source and his own
accounts are running irregular, still he has been made guarantor in
following loan accounts:
A/c No.
Name
Activity
NC-921
88-2432
NC-949
88-2496
NC-958
88-2520
NC-970
88-2566
NC-994
88-2609
NC-1056
88-2645
NC-1311
NC-1542
88-3079
AU-1480
AH-1504
NA-1496
NG-1133
Sh. Bhagwanta S/O Bhaira

-"Sh. Rishiram S/O Chhoturam
-"Sh. Rohtash S/O Chhoturam
-"Sh. Hari Singh S/O Kashiram
-"Sh. Rai Singh S/O Kashiram
-"Sh. Rajender S/O Sheochand
-"Sh. Rajkumar S/O Pohkar
Sh. Rajpal S/O Ramgopal
-"Sh. Harisingh S/O Kashiram
-"-"Sh. Narsingh S/O Hanuman
House loan
KCC
House loan
KCC
House loan
KCC
House loan
KCC
House loan
KCC
House loan
Kcc
House Loan
House Loan
KCC
Agri. Imp.
Dairy & Shed
Consumer
Vehicle
Amt. Adv.
(Rs. in
Lakh)
3.0
2.5
1.9
0.6
1.9
0.6
3.0
0.65
3.0
0.6
2.5
1.3
3.0
3.0
0.7
2.0
1.4
0.6
3.0
A. Sh. Ugarsen S/O Badri Parsad, native of Vill Chhindar Distt.

Fatehabad, a property dealer whose annual income as per ITR is Rs. 1.08
lakh, has been advanced following loans:
Activity
Date of Adv.
Amount
Bal O/S
GCC
05.03.09
25000
25731
House loan
30.12.08
500000
532555
OD against IP 23.07.08
500000
563000
B. Smt. Suman Devi W/O Sh. Ugarsen has been advanced a house loan
of Rs. 7.0 lakh on 09.09.08 but no source of income is on record. Present
outstanding is Rs. 764000/-.
C. Sh. Sunil Kumar S/O Ugarsen, native of Vill Chhindar Distt.
Fatehabad, whose annual income as per ITR is Rs. 0.90 lakh, has been
advanced following loans and no source of income is on record:
Activity
Date of Adv.
Amount
Bal O/S
House loan
29.04.09
700000
360017
3. Please provide me copies of

letters according to which item
were dropped by HO. BM Mandi
Adampur is on leave, who assured
me to provide the same as and
when hje join his duties.
further correspondence in this

regard will be entertained.
We advise you to reply the

tabular
letter
latest
by
13.06.2013 by 04.00p.m. failing
which the matter will be referred
4. Items incorporated in charge- to H.O. for further necessary
sheet dated 26.05.12 are also action."
repeated in this tabular which
needs rectificaten/correction.
Vide letter dated 19.06.2013
(Flag 'E'), Regional Manager,
5.
Items included in previous Hisar
has
submitted
his
tabular proforma are again recommendations, which are as
repeated and incorporated in this under:
tabular proforma also which is
merely a repetition. If these wrong "We inform you that despite of
entries are not corrected at this our repeated verbal and written
stage, than it would become too reminders to Sh. Y.S. Dhull, Sh.
late.
Y.S. Dhull has not submitted
reply till date. It is further stated
6.
Whenever, any tabular that Mr. Y.S. Dhull has visited
proforma is placed before higher Adampur branch four times in
authorities for any particular this context and even then he
branch, all the items are viewed has not submitted his reply.
and
considered
for
some Hence, we are unable to give
necessary action.
any comments on the said
tabular. We request to your
7. Enquiry is already conducted goodself to take appropriate
on the charge sheet dated action in this regard."
26.05.12 in which these items
were
included
and
again
incorporated in tabular now.
8. I once again request to
goodself to provide me
required
letters/records
please get it corrected first.
information,
records
necessary action, please.
your
the
and
For
and
GCC
13D
21.03.09
25000
A/c No.
Name
Activity
NC-897
13E
25000
Sh. Ugarsen, mentioned at 13C above is not having adequate resources

or income and his own accounts are running irregular still he has been
made guarantor in following accounts:
Amt. Adv.
(Rs. in Lakh)
7.0
Smt. Suman Devi W/O

House loan
Ugarsen
NC-912
Sh. Suresh
House loan 7.0
86/87-69
Sh. Suresh
GCC
0.25
NC-1603
Sh. Sunil S/O Ugarsen
House loan 7.0
86-685
-"GCC
0.25
NC-1612
Sh. Narender S/O Hari
House loan 7.0
Singh
86-1719
-"GCC
0.25
88-2627
Sh. Sandeep
KCC
1.875
88-2636
Sh. Kuldeep
KCC
1.875
In house loan accounts:
A/c No. 88
d. There are liability of Rs. 137500/- of joint borrower Smt. Bimla Devi as
per the income certificate but the same are not mentioned in the CR of the
borrower. Details of liabilities are also not available.
e. In joint loan account, the guarantor Sh. Rajkumar has signed the
guarantee agreement (PNB58H) for the second borrower only.
f. Prescribed margin money of 20% has not been taken.
A/c No. 89
(iii) Income Certificate and Residential certificate not obtained
(v). Bills have not been taken and end use is not verified.
(vi). Signature of borrower are not there on CR.
A/c No. 90
(iv). Prescribed margin money of 20% has not been taken.
A/c No. 92
(ii). Bills have not been taken and end use verification is not in file.
(iv). Income certificate is not on record.
(viii). Sh. Narender, the guarantor in this account is himself a defaulter and
is guarantor in about 23 accounts amounting to Rs. 51.60 lakh whereas as
per CR he is neither having the income nor the resources of such huge
amount.
A/c No. 91
(a). Full loan amount has been disbursed within 5 days i.e. Rs. 1.4 lakh on
25.09.08 and Rs. 5.60 lakh on 29.09.08.

(d). Bills have not been taken and end use verification is not in file.
(e). Guarantee letter is not dated.
(f). Proof of age has not been taken.
A/c No. 93
(h). Residential proof has not been taken.
(i). Bills have not been taken and end use verification is not in file.
A/c No. 94
(f). Income proof is not on record.
(h). Sh. Narender Singh mentioned at 92(viii) is the guarantor in the
account.
A/c No. 95
(f). Income proof has not been taken.
(g). Residential proof has not been taken.
(h). Bills have not been taken and end use verification is not in file.
(i). Sh. Narender Singh mentioned at 92(viii) is the guarantor in the
account.
A/c No. 96
(b). Bills have not been taken and end use verification is not in file.
A/c No. 97
(a). Prescribed margin money has not been taken.
(b). Bills have not been taken and end use has not been verified.
(c). The age of borrower is 58 years and refund period is 10 years which
is wrong as per guidelines.
(d). No income proof is on record except agriculture land measuring
17K12M, whereas apart from house loan of Rs. 3.0 lakh, Agri Imp. loan of
Rs. 2.0 lakh, Dairy & shed loan of Rs. 1.4 lakh, Consumer loan of Rs. 0.60
lakh, OD against IP of Rs. 7.0 lakh and KCC of Rs. 0.65 lakh have been
sanctioned.
(e) Sh. Narender Singh mentioned at 92(viii) is the guarantor in the
account.
A/c No. 98
(b). End use has not been verified, Bills and prescribed margin money has
not been taken.
A/c No. 104
(a). Income proof is not on record.
(b). Estimate is undated and signature of borrower are not there. Loan
amount has been disbursed in one instalment.
(f). Bills have not been taken and end use verification certificate is not on
record.
(g). Residential proof is not on record.
A/c No. 105
(b). Age proof is not on record.
(e). Bills have not been taken and end use verification is not on record.
A/c No. 110
(b). Bills have not been taken and end use verification is not on record.
(d). Gross income of borrower as per salary certificate is Rs. 16906/- out
of which there deduction of Rs. 7115/- thereby leaving net income Rs.
9791/- and after take home pay of 50% only Rs. 1338/- are left towards
loan instalment. As per loan agreement the EMI is of Rs.6600/-, hence,
disbursement of Rs. 4.00 lakh is wrong.
(e). House constructed (plot) has not been got mortgaged as primary
security.
(f). No proof of ownership of plot/house is on record.
A/c No. 111
(c). Bills have not been taken and end use verification is not on record.
(d). Income certificate is not on record.
A/c No. 112
(a). The borrower is a property dealer at Adampur and his total income is
Rs. 108000/-, he has been sanctioned OD against IP of Rs. 5.0 lakh and
GCC of Rs. 25000/- which are running irregular apart from house loan of
Rs. 5.0 lakh.
(d). House constructed (super structure)/plot has not been got mortgaged.
(g). The borrower is guarantor in 21 loan accounts of 6 borrowers
amounting to Rs. 51.40 lac.
A/c No. 114
(d). The total annual income of borrowers is Rs. 210214/- whereas the
annual deduction @ Rs. 12000/- is Rs. 144000/- which is more than 50%
of take home pay.
A/c No. 116
(b). Stamp paper is not taken with the agreement of guarantee (58H).
(d). Income proof has not been taken.
(f). The liabilities of Rs. 4.15 lakh (HLP & KCC) have not been shown in
the CR of guarantor Sh. Radhey Shyam.
A/c No. 128

(b). Revenue record of security of 6/24 share of total land 02K14M in
Kehwat No. 409, Khatoni No. 624 is not on record.
(e). Income proof is not on record.
(f). Bills have not been taken and end use verification is not on record.
(g). The age of borrower is 60 years and recovery period is 10 years for
which permission from Competent Authority is required.
A/c No. 131
(e). Signature of employer are not there on the salary certificate.
(g). The income of borrower is shown Rs. 2.0 lakh and of his wife is Rs.
3.0 lakh (no proof is on record). Apart from housing loan, other loans
amounting to Rs. 5.0 lakh under KICC and Rs. 3.33 lakh under KCC have
been sanctioned to the borrower which are beyond repaying capacity of
the borrower.
(h). Sh. Narender, the guarantor in this account is himself a defaulter and
is guarantor in about 23 accounts amounting to Rs. 51.60 lakh whereas his
liability in CR has been shown Rs. 1.25 lac only.
A/c No. 147
(d). Residence proof is not on record.
(f). House constructed (super structure) has not been got mortgaged.
(g). The plot on which house is constructed has been purchased at a cost
of Rs. 1.1 lakh on 13.02.09 vide sale deed 3316, the evaluation of which
has been shown as Rs. 9.0 lakh on 31.03.09 which is on higher side.
A/c No. 154
(c). Manager's sanction is required.
(f). Residence proof is not on record.
A/c No. 159
(d). The plot which is 4/444 share of total land 22K4M of Khewat No. 220,
Khatoni No. 516 and has been purchased at a cost of Rs. 88000/- on
10.01.09 , the evaluation of which has been shown as Rs. 4.5 lakh on
02.03.09 which is on higher side.
(g). Residence proof has not been taken.
A/c No. 160
(c). The plot on which house is constructed has been purchased at a cost
of Rs. 86000/- on 13.03.09 vide sale deed 3567 dated 13.03.09 from
Khewat No. 839, Khatoni No. 1600-1602, the evaluation of which has been
shown as Rs. 6.0 lakh on 22.04.09 which is on higher side.
(e). No source of income is mentioned for the income of Rs. 0.90 lakh as
per ITR.
(h). The borrower is a resident of out of command area of branch.
(i). Super structure has not been got mortgaged.
A/c No. 161
b) Apart from house loan of Rs. 7.0 lakh, the borrower has been
sanctioned consumer loan of Rs. 1.0 lakh, GCC of Rs. 25000/- and vehicle
loan of Rs. 3.0 lakh which are running irregular.
c) The net income of borrower is Rs, 13430/- after deductions as per
salary certificate, the amount after 50% take home is not sufficient to meet
EMI.
g) Bills have not been taken and end use verification is not on record.
OD Against Immovable Property

As per Circular No. 19/06 dated 24.01.06, the facility of OD against
Immovable property is applicable only in Urban and Semi-Urban branches,
whereas Mandi Adampur is a rural branch. Hence, the facility cannot be
extended here. Apart from this, account wise other irregularities are as
under:
A/c No. 40
(a). Sh. Ugarsen S/O Badri Parsad, native of Vill Chhindar Distt.
Fatehabad, is a property dealer at Adampur whose annual income as per
ITR is Rs. 1.08 lakh. He and his family members have been advanced
following loans:
Activity
Date of Adv.
Amount
Name
Relation
GCC
05.03.09
25000
Sh. Ugarsen
Self
House loan
30.12.08
500000
Sh. Ugarsen
Self
500000
Sh. Ugarsen
Self
House loan
09.09.08
700000
Smt. Suman
Wife
House loan
29.04.09
700000
Sh. Sunil
Son
GCC
21.03.09
25000
Sh. Sunil
Son
(b). Apart from above Sh. Ugarsen is a guarantor in 21 loan accounts of 6
borrowers amounting to Rs. 54.50 lakh.
A/c No. 43
(a). Site map is not approved.
Considering the gravity of the matter, recommendations of Regional Manager, Hisar and to safeguard the interest of the Bank, we may
submit the details of above irregularities to DAC Section for initiation of disciplinary action against the Erring Official. We may place all the
outstanding items under RO monitoring for removal of irregularities, safeguarding of Bank interest and closure of Inspection Report.
Submitted, please.
Senior Manager
Chief Manager
General Manager
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Date: 11.09.2013
Chairman Sir,
Reg: Regular Inspection Reports (RIR) of Branch Office Fatehabad as at 14.10.2011.
The outstanding irregularities of above report were sent to Sh. B.S. Tank, Sr. Manager by way of tabula proforma vide our letter dated
12.01.2013 with an instruction to submit his reply within a period of 03 days of receipt. The details of outstanding irregularity, reply of the
Erring Official, comments of Present Incumbent Incharge, recommendation of Regional Office, Hisar and our observations are appended
below in tabulated format:
Item No.
Appendix
B
Item
No. 5
You have sanctioned KCC

account No. 88-9832 on
the basis of oral tenancy
without making the land
owner co-borrower, in
contravention
of
H.O.
Circular No. 30/11 dated
06.05.2011.
Comments of erring
official
Comments of
present
incumbent incharge
Recommendation of
Regional Office Hisar
Our Observations
In this A/c limit has been

fixed on the basis of land
under
cultivation,
possession
of
the
borrower and not on the
basis of oral tenancy.
Hence, no need to make
the land owner coborrower.
The limit has been

fixed
on
25K
agriculture
land
whereas is owner
with
cultivation
17K19M land .
It is recommended that
suitable action as per
bank norms be taken
against Erring Official.
A limit of Rs. 1.60 lac has been

sanctioned, which is on higher side vis-vis cultivation right of the borrower.
The limit has not been reduced.
However, the account is regular and
outstanding amount is Rs.139708/- as
on 30.04.2013. Further, the reply of
Erring Official is considered misleading,
devoid of facts and hence, non-tenable
on the basis of comments of present
Incumbent Incharge.
Considering the gravity of the matter and to safe guard bank's interest, we may submit the details of above irregularity to DAC Section for
initiating disciplinary action.
Submitted, please.
Sr. Manager
Chief Manager
General Manager

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Chairman Sir,
Reg:
Date: 03.09.2013
Regular Inspection and Audit Report as at 17.01.2012 of Branch Office Charkhi Dadri (LR).
The gist of outstanding irregularities of above report was sent to Sh. J.S. Chahar, Sr. Manager (under suspension) by way of Tabular Proforma vide
letter dated 26.03.2013 (Flag 'A') with an advise to submit his comments within a period of 03 days from the date of receipt of the letter followed by
reminders dated 09.04.2013, 20.04.2013 and 01.05.2013. The irregularities which were rectified have been dropped and the details of outstanding
irregularities are appended below:
Item No.
44(f)
45
Proforma (E) from employer not obtained in A/c NA-13487.
The following loans have been sanctioned beyond vested powers i.e. for sanctioning a limit of Rs. 1.5 lakh, the monthly salary should
not be less than Rs. 15000/- p.m.
A/c No.
Eligibility
Salary P.M.
Limit Sanctioned
NA13450
100000
11773/150000
NA13502
100000
12513
150000
NA13511
100000
13080
150000
NA13520
100000
13110
150000
52
Information regarding non-availability of documents of A/c NA-5158 & 13034 has not been given to RO/HO.
58
Limitation has been allowed to expire in following accounts:

A/c No.
Date of Exp.
A/c No.
Date of Exp.
AH-111
18.07.10
AH-175
06.09.10
AH-184
11.09.10
AH-236
12.10.10
AH-263
03.12.10
AH-290
19.09.10
AH-306
16.01.11
AH-4124
31.07.10
AH-4850
28.04.10
AH-4869
14.02.11
AH-4878
21.08.09
AH-5017
27.02.11
AH-5026
22.06.11
AH-5044
03.05.11
AH-5105
29.03.09
AH-5266
23.04.10
AH-5372
27.03.11
NA-4609
18.12.05
A/c No.
87-1244
87-1271
87-1305
87-1332
87-1378
87-1411
87-1439
87-1475
87-1527
Date of Exp.
31.07.08
28.08.08
25.08.11
02.10.11
11.10.11
24.10.08
30.10.08
29.08.11
09.12.08
A/c No.
87-1253
87-1299
87-1323
87-1369
87-1402
87-1420
87-1466
87-1518
87-1536
Date of Exp.
17.08.08
16.09.08
03.10.08
10.10.08
23.10.08
28.10.08
21.11.08
08.12.08
25.08.11
NA-4779
NA-6166
NA-6865
NA-8146
NA-8599
NA-8988
NA-9659
NA-9695
NA-9729
NA-9783
NA-9978
NA-10055
NA-10286
NA-10374
NA-12257
NA-12327
NA-12406
NA-92
NA-11267
87-14
87-126
87-144
87-171
87-250
87-348
87-384
87-472
87-506
87-560
87-603
87-676
59
80
81(a)
88
03.02.06
20.02.07
02.09.10
19.10.11
13.10.11
04.06.09
23.01.10
16.02.10
26.02.10
02.04.10
13.09.10
03.12.10
03.07.11
17.09.11
25.12.10
19.02.11
26.08.11
19.01.2000
10.02.12
26.02.07
02.03.07
02.03.07
03.03.07
05.03.07
17.03.07
29.03.07
30.05.07
11.07.07
26.07.07
15.08.10
07.08.10
NA-5556
NA-6218
NA-6962
NA-8304
NA-8739
NA-9400
NA-9668
NA-9710
NA-9738
NA-9880
NA-9987
NA-10259
NA-10310
NA-12035
NA-12293
NA-12345
NA-12424
NA-10240
87-87
87-32
87-135
87-162
87-223
87-311
87-366
87-393
87-490
87-542
87-588
87-667
87-700
02.10.06
25.02.07
09.09.10
05.12.08
17.02.09
26.10.09
29.01.10
22.02.10
05.03.10
29.06.10
19.09.10
10.04.11
20.08.11
21.02.09
14.01.11
12.03.11
23.10.11
02.04.11
01.03.07
26.02.07
02.03.07
03.03.07
04.03.07
09.03.07
22.03.07
12.04.07
09.07.07
14.05.10
15.08.07
06.09.07
19.07.10
87-1554
87-1624
87-1651
87-1776
87-1837
87-1916
87-1934
NC-162
NC-6489
NC-6513
NC-6629
NC-6788
NC-6850
NC-7044
NC-7293
NC-7372
NC-7390
NC-7415
NC-7442
NC-7558
NC-7521
87-755
87-807
87-825
87-898
87-1013
87-1086
87-1165
87-1183
87-728
93-2077
19.08.11
26.01.09
25.06.09
02.02.10
24.08.10
21.01.11
19.02.11
23.04.02
22.10.07
29.10.10
26.02.11
24.07.11
22.09.08
29.01.09
23.01.10
11.06.10
29.06.10
10.09.10
05.11.10
10.06.11
26.03.11
09.09.10
20.09.07
23.09.07
06.10.07
28.10.07
13.05.08
26.07.08
26.07.08
12.09.07
03.10.10
87-1590
87-1633
87-1688
87-1828
87-1846
87-1925
87-1943
NC-1411
NC-6504
NC-6601
NC-6762
NC-6805
NC-6896
NC-7196
NC-7327
NC-7381
NC-7406
NC-7424
NC-7460
NC-7503
93-2101
87-791
87-816
87-834
87-977
87-1068
87-1110
87-1174
87-1235
87-746
02.07.11
03.02.09
13.08.09
15.08.10
16.09.10
17.02.11
17.10.11
13.02.04
15.07.10
08.03.08
03.07.08
09.08.11
01.10.11
11.10.09
19.02.10
29.06.10
19.08.10
04.10.10
16.11.10
06.12.10
29.08.11
19.09.07
20.09.07
23.09.07
17.10.07
14.03.08
14.07.08
26.07.08
29.07.08
12.04.10
Limitation was going to expire in A/c NA-11267 within next 6 months as on date of inspection.
xii) JRC not obtained in A/c NG-272.
xvi) Invoice of Sidac Automobile (Karnal) of Rs.639000/- and payment also made in favour of the same on 19.03.10 but bill of M/s
Griraj Motor Pvt. Ltd. Gurgaon, which is Hypothecated to PNB A/c No. NG-270.
xx) Advance cheque not obtained in A/c NG-268,269,272, 273, 275.
Bill not obtained in A/c 680, 682, 678.
a) Borrower's signature not obtained on application in A/c 87-2137 and agreement in A/c 87-2119.
c) In :JLG-87-2155 to 2182, 2207 to 2234 following documents are blank:
89
(i) Inter-se agreement blank and unattested.

(ii) JLG agreement.
(iii) Resolution of forming JLG and availing credit facility from bank not got obtained.
a) In A/c No. JB-156:
i) Consideration voucher not signed by guardian.
ii) Receipt of Rs. 174000/- not obtained.
iii) Admission certificate issued by institute is in favour of daughter but documents executed are as son.
iv) Qualifying examination documents not obtained.
b) Receipt of following fees paid to institute are not obtained:
i) Rs. 171250/- dated 21.07.10 in JB-183.
ii) Rs. 12650/- dated 07.12.10 in JB-192.
iii) Rs. 14750/- dated 14.07.10 in JB-226.
iv) Rs. 42000/- dated 14.07.10 in JB-235.
106
c) Receipt of fees paid in cash by student not obtained in JB- 183.

d) Agreement is not signed by student in JB-192.
e) Registration or approval of institute is not in record in JB-226, 235.
f) Fees paid in cash of first installment but receipt of the same not obtained in JB-226, 235.
Branch Manager must ensure that deposit voucher is signed by the borrower in accounts wherever limitation has been extended on
the basis of deposit vouchers.
APPENDIX
Income of EMD. Jhajjar and Hansi has been credited to one account only and the record has been prepared by clubbing both
schemes.
Considering the gravity of the matter and to safeguard the interest of the Bank, we may submit the details of above irregularities to DAC Section for
initiation of disciplinary action against the Erring Official. We may place all the outstanding items under RO monitoring for removal of irregularities,
safeguarding of Bank interest and closure of Inspection Report.
Submitted, please.
Senior Manager
Chief Manager
General Manager

nwjHkk"k : 01262-256418, 252622 QSDl : 01262- 271206

Chairman Sir,
Reg:
Date: 07.09.2013
Regular Inspection and Audit Report as at 13.08.2011 of Branch Office Mandi Adampur.
A few of the serious irregularities of above report have already been submitted to DAC section and the irregularities which were rectified
have been dropped. The gist of remaining outstanding irregularities of the report was sent to Sh. Y.S. Dhull by way of Tabular Proforma
vide letter dated 10.05.2013 (Flag 'A') with an advise to submit his comments within a period of 03 days from the date of receipt of the letter
followed by reminder dated 12.06.2013 and various telephonic reminders (01 from General Manager and 10 from Chief Manager).
The Regional Manager, Hisar was also simultaneously advised to follow-up the matter with Sh. Dhull vide our letter dated 10.05.2013.
Regional Office, Hisar also followed up the matter with Sh. Dhull vide reminders dated 06.06.2013 and 12.06.2013 (02 letters) apart from
various verbal reminders.
In resposnse to RO letter dated 12.06.2013 (Flag 'B'), Sh. Dhull submitted his reply vide letter dated 12.06.2013 (Flag 'C'), however, he has
not submitted reply to specific irregularities mentioned in the tabular proforma. The details of outstanding irregularities and
recommendations of RM, Hisar are appended below in tabulated format:
Appendix B
Item No.
1B
2. In A/c No. 238, mutation is in the name of HSKGB instead of HGB.

7. In A/c No. 250, land of Khewat No. 76/62, Khatoni No. 116 is mortgaged to Land
Development Bank (amount & measurement of land not mentioned), these details are not
included in the CR of borrower.
5A (C)
Margin money has not been taken in A/c No. AH-1727,1745,1763,1772,1781.
5B (1)
Margin money has not been taken in KICC A/c No. 130,137,134,139,157,144,148,151, DLPP-269, 280, 150, 165.
5B (4)
Income proof has not been taken in KICC A/c No. 269,272,273,274,277,146,149,153.
Recommendation
of Regional
Manager, Hisar
Despite
of
our
repeated verbal and
written reminders to
Sh. Y.S. Dhull, Sh.
Y.S. Dhull has not
submitted reply till
date. It is further
13B
As per loan documents Sh. Narender Singh S/O Sh. Kashi Ram Village Kisangarh is not having adequate
resources or income source and his own accounts are running irregular, still he has been made guarantor in
following loan accounts:
A/c No.
NC-921
88-2432
NC-949
88-2496
NC-958
88-2520
NC-970
88-2566
NC-994
88-2609
NC-1056
88-2645
NC-1311
NC-1542
88-3079
AU-1480
AH-1504
NA-1496
NG-1133
13C
Name
Sh. Bhagwanta S/O Bhaira
-"Sh. Rishiram S/O Chhoturam
-"Sh. Rohtash S/O Chhoturam
-"Sh. Hari Singh S/O Kashiram
-"Sh. Rai Singh S/O Kashiram
-"Sh. Rajender S/O Sheochand
-"Sh. Rajkumar S/O Pohkar
Sh. Rajpal S/O Ramgopal
-"Sh. Harisingh S/O Kashiram
-"-"Sh. Narsingh S/O Hanuman
Activity
House loan
KCC
House loan
KCC
House loan
KCC
House loan
KCC
House loan
KCC
House loan
Kcc
House Loan
House Loan
KCC
Agri. Imp.
Dairy & Shed
Consumer
Vehicle
Amt. Adv. (Rs. in Lakh)

3.0
2.5
1.9
0.6
1.9
0.6
3.0
0.65
3.0
0.6
2.5
1.3
3.0
3.0
0.7
2.0
1.4
0.6
3.0
A. Sh. Ugarsen S/O Badri Parsad, native of Vill Chhindar Distt. Fatehabad, a property dealer whose annual income
as per ITR is Rs. 1.08 lakh, has been advanced following loans:
Activity
Date of Adv.
Amount
Bal O/S
GCC
05.03.09
25000
25731
House loan
30.12.08
500000
532555
500000
563000
B. Smt. Suman Devi W/O Sh. Ugarsen has been advanced a house loan of Rs. 7.0 lakh on 09.09.08 but no source
of income is on record. Present outstanding is Rs. 764000/-.
C. Sh. Sunil Kumar S/O Ugarsen, native of Vill Chhindar Distt. Fatehabad, whose annual income as per ITR is Rs.
0.90 lakh, has been advanced following loans and no source of income is on record:
Activity
Date of Adv.
Amount
Bal O/S
House loan
29.04.09
700000
360017
GCC
21.03.09
25000
25000
13D
Sh. Ugarsen, mentioned at 13C above is not having adequate resources or income and his own accounts are
running irregular still he has been made guarantor in following accounts:
stated that Mr. Y.S.

Dhull has visited
Adampur branch four
times in this context
and even then he has
not submitted his
reply. Hence, we are
unable to give any
comments on the
said tabular.
We
request
to
your
goodself
to
take
appropriate action in
this regard."
A/c No.
NC-897
NC-912
86/87-69
NC-1603
86-685
NC-1612
86-1719
88-2627
88-2636
13E
Name
Smt. Suman Devi W/O Ugarsen
Sh. Suresh
Sh. Suresh
Sh. Sunil S/O Ugarsen

-"Sh. Narender S/O Hari Singh
-"Sh. Sandeep
Sh. Kuldeep
House loan accounts:
Activity
House loan
House loan
GCC
Amt. Adv. (Rs. in Lakh)

7.0
7.0
0.25
House loan
GCC
House loan
GCC
KCC
KCC
7.0
0.25
7.0
0.25
1.875
1.875
A/c No. 88
d. There are liability of Rs. 137500/- of joint borrower Smt. Bimla Devi as per the income certificate but the same
are not mentioned in the CR of the borrower. Details of liabilities are also not available.
e. In joint loan account, the guarantor Sh. Rajkumar has signed the guarantee agreement (PNB58H) for the
second borrower only.
f. Prescribed margin money of 20% has not been taken.
A/c No. 89
(iii) Income Certificate and Residential certificate not obtained
(v). Bills have not been taken and end use is not verified.
(vi). Signature of borrower are not there on CR.
A/c No. 90
(iv). Prescribed margin money of 20% has not been taken.
A/c No. 92
(ii). Bills have not been taken and end use verification is not in file.
(iv). Income certificate is not on record.
(viii). Sh. Narender, the guarantor in this account is himself a defaulter and is guarantor in about 23 accounts
amounting to Rs. 51.60 lakh whereas as per CR he is neither having the income nor the resources of such huge
amount.
A/c No. 91
(a). Full loan amount has been disbursed within 5 days i.e. Rs. 1.4 lakh on 25.09.08 and Rs. 5.60 lakh on 29.09.08.
(e). Guarantee letter is not dated.
(f). Proof of age has not been taken.
A/c No. 93
(h). Residential proof has not been taken.
(i). Bills have not been taken and end use verification is not in file.
A/c No. 94
(f). Income proof is not on record.
(h). Sh. Narender Singh mentioned at 92(viii) is the guarantor in the account.
A/c No. 95
(f). Income proof has not been taken.
(g). Residential proof has not been taken.
(h). Bills have not been taken and end use verification is not in file.
(i). Sh. Narender Singh mentioned at 92(viii) is the guarantor in the account.
A/c No. 96
(b). Bills have not been taken and end use verification is not in file.
A/c No. 97
(a). Prescribed margin money has not been taken.
(b). Bills have not been taken and end use has not been verified.
(c). The age of borrower is 58 years and refund period is 10 years which is wrong as per guidelines.
(d). No income proof is on record except agriculture land measuring 17K12M, whereas apart from house loan of
Rs. 3.0 lakh, Agri Imp. loan of Rs. 2.0 lakh, Dairy & shed loan of Rs. 1.4 lakh, Consumer loan of Rs. 0.60 lakh, OD
against IP of Rs. 7.0 lakh and KCC of Rs. 0.65 lakh have been sanctioned.
(e) Sh. Narender Singh mentioned at 92(viii) is the guarantor in the account.
A/c No. 98
(b). End use has not been verified, Bills and prescribed margin money has not been taken.
A/c No. 104
(b). Estimate is undated and signature of borrower are not there. Loan amount has been disbursed in one
instalment.
(f). Bills have not been taken and end use verification certificate is not on record.
(g). Residential proof is not on record.
A/c No. 105
(b). Age proof is not on record.
A/c No. 110
(d). Gross income of borrower as per salary certificate is Rs. 16906/- out of which there deduction of Rs. 7115/thereby leaving net income Rs. 9791/- and after take home pay of 50% only Rs. 1338/- are left towards loan
instalment. As per loan agreement the EMI is of Rs.6600/-, hence, disbursement of Rs. 4.00 lakh is wrong.
(e). House constructed (plot) has not been got mortgaged as primary security.
(f). No proof of ownership of plot/house is on record.
A/c No. 111

(d). Income certificate is not on record.
A/c No. 112
(a). The borrower is a property dealer at Adampur and his total income is Rs. 108000/-, he has been sanctioned
OD against IP of Rs. 5.0 lakh and GCC of Rs. 25000/- which are running irregular apart from house loan of Rs. 5.0
lakh.
(d). House constructed (super structure)/plot has not been got mortgaged.
(g). The borrower is guarantor in 21 loan accounts of 6 borrowers amounting to Rs. 51.40 lac.
A/c No. 114
(d). The total annual income of borrowers is Rs. 210214/- whereas the annual deduction @ Rs. 12000/- is Rs.
144000/- which is more than 50% of take home pay.
A/c No. 116
(b). Stamp paper is not taken with the agreement of guarantee (58H).
(d). Income proof has not been taken.
(f). The liabilities of Rs. 4.15 lakh (HLP & KCC) have not been shown in the CR of guarantor Sh. Radhey Shyam.
A/c No. 128
(b). Revenue record of security of 6/24 share of total land 02K14M in Kehwat No. 409, Khatoni No. 624 is not on
record.
(f). Bills have not been taken and end use verification is not on record.
(g). The age of borrower is 60 years and recovery period is 10 years for which permission from Competent
Authority is required.
A/c No. 131
(e). Signature of employer are not there on the salary certificate.
(g). The income of borrower is shown Rs. 2.0 lakh and of his wife is Rs. 3.0 lakh (no proof is on record). Apart
from housing loan, other loans amounting to Rs. 5.0 lakh under KICC and Rs. 3.33 lakh under KCC have been
sanctioned to the borrower which are beyond repaying capacity of the borrower.
(h). Sh. Narender, the guarantor in this account is himself a defaulter and is guarantor in about 23 accounts
amounting to Rs. 51.60 lakh whereas his liability in CR has been shown Rs. 1.25 lac only.
A/c No. 147
(d). Residence proof is not on record.
(f). House constructed (super structure) has not been got mortgaged.
(g). The plot on which house is constructed has been purchased at a cost of Rs. 1.1 lakh on 13.02.09 vide sale
deed 3316, the evaluation of which has been shown as Rs. 9.0 lakh on 31.03.09 which is on higher side.
A/c No. 154

(c). Manager's sanction is required.
(f). Residence proof is not on record.
A/c No. 159
(d). The plot which is 4/444 share of total land 22K4M of Khewat No. 220, Khatoni No. 516 and has been
purchased at a cost of Rs. 88000/- on 10.01.09 , the evaluation of which has been shown as Rs. 4.5 lakh on
02.03.09 which is on higher side.
(g). Residence proof has not been taken.
A/c No. 160
(c). The plot on which house is constructed has been purchased at a cost of Rs. 86000/- on 13.03.09 vide sale
deed 3567 dated 13.03.09 from Khewat No. 839, Khatoni No. 1600-1602, the evaluation of which has been shown
as Rs. 6.0 lakh on 22.04.09 which is on higher side.
(e). No source of income is mentioned for the income of Rs. 0.90 lakh as per ITR.
(h). The borrower is a resident of out of command area of branch.
(i). Super structure has not been got mortgaged.
A/c No. 161
b) Apart from house loan of Rs. 7.0 lakh, the borrower has been sanctioned consumer loan of Rs. 1.0 lakh, GCC of
Rs. 25000/- and vehicle loan of Rs. 3.0 lakh which are running irregular.
c) The net income of borrower is Rs, 13430/- after deductions as per salary certificate, the amount after 50% take
home is not sufficient to meet EMI.
g) Bills have not been taken and end use verification is not on record.
OD Against Immovable Property

As per Circular No. 19/06 dated 24.01.06, the facility of OD against Immovable property is applicable only in Urban
and Semi-Urban branches, whereas Mandi Adampur is a rural branch. Hence, the facility cannot be extended here.
Apart from this, account wise other irregularities are as under:
A/c No. 40
(a). Sh. Ugarsen S/O Badri Parsad, native of Vill Chhindar Distt. Fatehabad, is a property dealer at Adampur
whose annual income as per ITR is Rs. 1.08 lakh. He and his family members have been advanced following
loans:
Activity
GCC
Date of Adv.
05.03.09
Amount
25000
Name
Sh. Ugarsen
Relation
Self
House loan
30.12.08
500000
Sh. Ugarsen
Self
500000
Sh. Ugarsen
Self
House loan
09.09.08
700000
Smt. Suman
Wife
House loan
29.04.09
700000
Sh. Sunil
Son
GCC
21.03.09
25000
Sh. Sunil
Son
(b). Apart from above Sh. Ugarsen is a guarantor in 21 loan accounts of 6 borrowers amounting to Rs. 54.50 lakh.
A/c No. 43
(a). Site map is not approved.

Considering the gravity of the matter, recommendations of Regional Manager, Hisar and to safeguard the interest of the Bank, we may
submit the details of above irregularities to DAC Section for initiation of disciplinary action against the Erring Official. We may place all the
outstanding items under RO monitoring for removal of irregularities, safeguarding of Bank interest and closure of Inspection Report.
Submitted, please.
Senior Manager
Chief Manager
General Manager

nwjHkk"k : 01262-256418, 252622 QSDl : 01262- 271206

Chairman Sir,
Reg:
Date: 07.09.2013
Regular Inspection and Audit Report as at 28.12.2011 of Branch Office Arya Nagar.
A few of the serious irregularities of above report have already been submitted to DAC section and the irregularities which were rectified have been dropped. The gist of
remaining outstanding irregularities of the report was sent to Sh. Y.S. Dhull by way of Tabular Proforma vide letter dated 30.03.2012 and 25.03.2013 (Flag 'A' & 'B'
respectively) with an advise to submit his comments within a period of 03 days from the date of receipt of the letter.
The details of outstanding irregularities, reply of Sh. Dhull and remarks of present Incumbent Incharge are appended below in tabulated format:
Item No.
Information regarding non availability of loan documents has not been

communicated to RO/HO immediately.
B. Annexure is incomplete in 88-1160,1162.
F. Recommendation is incomplete in 88-1157 to 1162, 2nd man
signatures are required in 88-1160.
G. CR/2nd Man or Manager signatures required in 88-1134 to 1162.
V. All documents are incomplete in A/c 88-1156.
W. Sanction by Manager is required in 88-1142,1151,1152.
No such case during my tenure.
23
25(G)
26
27
Cutting on voucher is not attested in A./c 1155.

G. Residence proof not taken in 88-1154,1157,1161,1162.
I. Girdawari Not taken in A/c 88-1149.
J. Sanction letter is not on record in 88-1142.
I. Loans file in A/c No. 1070 for Rs115000/- is missing.
J. In A/c 88-1135 land record is dated 24.06.11, legal report is dated
27.06.11, Mortgage deed is dated 13.07.11, no dues is undated but
application is dated 27.07.11 which is not possible. There are different
dates on legal reports i.e. 27.06.11 & 29.07.11. Borrower signatures are
required on supplementary/correction mortgage deed.
K. In A/c 88-1136 and 88-1137 there are different dates on legal reports
i.e. 27.06.11 and 29.07.11.
B. 88-1159, 1160, 1162 complete.

F. 88-1160 sanctioned on 18.10.11,
no 2nd Man as on date.
G. CR/2nd Man or Manager signed in
88-1134 to 88-1162, wherever
required.
V & W. No reply
No comments.
G. Proof taken 88-1157,1161, 1162.
I. No comments.
J. No comments.
No Comments.
Comments of present Incumbent

Incharge
No comments required.
B. I don't confirm.
F. I don't agree.
G. I don't confirm.
V & W. No comments.
No comments.
G. No comments.
I. No comments.
J. No comments.
No Comments.
35
A, B,G. 546, Cheque deposit letter, hypothecation letter and 420 are
incomplete in vehicle loan A/c 8.
D. Witness/address of witness is required on guarantee in A/c 8.
No comments
No comments.
.
36
Following documents have not been taken in vehicle loan accounts:

I. Ration Card in A/c 8.
K, M. Letter of introduction and No dues in A/c 8.
37
B. In A/c 8 documents are in the name of two borrowers but RC, bills,
insurance etc. are in single name.
41
In Consumer Loans, following documents have not been taken:

E.
Proof
of
residence
in
A/c
374238,247,256,
274,283,292,308,317,326,344,353.
I. No comments
K. Letter of introduction in A/c 8.
M. No comments.
Consent of co-borrower was taken for
the same. BC letter signed available
in loan file.
E. Address is shown Hisar in ITR,
D/L, ID proof, photo I Cards.
I. Ration Card not available.

K. Address of Introducer is fake.
M. No comments.
No consent available in file.
E. Address in documents don't
match with that in loan applications.
F. No comments required.
F. Affidavit not required.

F. Affidavit in A/c 256, 274,283,292,308,317,326,344,353,362,371 &
improper affidavits in A/c 374238, 247.
H. Guarantor's CR in A/c 374238,247,283,292, 308, 317, 326, 344, 353.
K. Annexure D/546 in A/c 374317.
N. Cheque deposit letter in A/c 374238,247,256, 274,283,292, 308, 317,
326, 344, 353, 371.
O. Letter of introduction in A/c 374238,247,256, 274,283, 292, 308, 317,
326, 344, 353, 371.
P. Annexure A1 borrower salary and A2 guarantor salary in A/c
374238,247, 274,283,292,317,344.
Q. Annexure A1 borrower salary in A/c 374256, 326, 353.
42
Following documents are incomplete:

B. Annexure D/546 in A/c 374238,247,256, 265,274, 283, 292, 308,
317,326,344,353,362, 371.
C. CR in A/c 374238, 247 (Manager signatures also required in these
accounts), 256, 265, 274,353,362,371 (2nd man signatures also required
in these accounts),283,292, 308, 317, 326, 344.
E. Affidavit in A/c 374238, 247.
F. Witness is required on guarantee in A/c 374238,247,256, 265,274,283,
292, 308, 317, 326, 344,353,362,371.
G. Guarantee in A/c 374308, 326.
I. Cheques in A/c 374238, 247, 256, 274, 326, 371.
H. Guarantor's CR completed.
K. No comments.
N. No comments.
O. Letter of introduction placed in loan
files.
P. Salary particular available.
Q. Salary particulars available
separately.
B. No comments.
C. CR completed. Manager signed
on 238,247,256,274, IInd man was
relieved, No IInd man was there on
23.09.11.
E. No comments.
F. Witness obtained.
G. Guarantee Completed.
I. No comments.
43
Application is wrongly filled in A/c 374274.
Application is filled up completely.
44
A. Annexure C and Annexure A has not been taken and borrower is not
covered as per scheme, hence, are unauthorized disbursement in A/c
A. No comments.
H. Particulars of guarantee in CR
are incorrect and baseless.
K. No comments.
N. No comments.
O. LoI of few co-borrowers placed
now in files but address and
identities are non-confirmable as
there is no Photo on application.
Addresses are incorrect and/or
incomplete.
P. A1, A2 not available in files.
Q. No comments.
B. No comments.
C. Figures in CR are baseless.
E. No comments.
F. Witness is still required/
incomplete.
G. Guarantee not completed in NA374308, 326.
I. All cheques are blank.
Application is complete but figures
are baseless.
A. All disbursement are
unauthorized.
374256, 274,283,292, 308, 317, 326, 344, 353, 371.

B. Voucher is not signed by all borrowers in A/c 374256, 274.
D. Vouchers are passed by second man in 374238, 247.
H. Why borrowers are taking consumer loans jointly in different accounts?
Why their requirement was not met individually, if eligible, and how two
consumer loans can be given?
I. As Annexure 'A' not only contains borrower/guarantor salary particulars
but also contains some important particulars such as actually in service,
date of retirement, deductions from salary for considering 50% take home
pay and most importantly attested signatures and photo to avoid
impersonation. As these have not been taken, bank may face related
risks. Impersonation is not ruled out.
46
In housing loans, the following documents have not been obtained:

A. Third party payment authority in A/c 19,20,21,22,23,24,25.
B. Declaration in A/c 19,20,21,22,23,24,25.
D. Option letter of rate of interest in A/c 19,20,21,22,23,24,25.
E. Guarantor's CR on 282B in A/c 19,20,21,22,23,24,25.
F. Borrower(s) CR on 282B in A/c 19,20,21,22,23,24,25.
'G. Undertaking that it will not be used for speculative purpose in A/c
19,20,21,22,23,24,25.
J. Letter of introduction in A/c 19,20,21,22,23,24,25.
47
48
In accounts for purchase of flat issued by housing board:

G. Power of attorney is required in favour of bank which has not been
taken in A/c 19,20,21,22,23,24,25.
J.
Original receipts of payment have not been obtained in A/c
19,20,21,22,23,24,25.
O.
Margin money utilization has not been ensured in A/c
19,20,21,22,23,24,25.
V. Twenty four cheques were to be obtained but lesser cheques have
been obtained which along with intent to deposit letter are incomplete in
A/c 19,20,21,22,23,24,25.
W. Borrower's name is not in guarantee. Consent to give guarantee is not
given as per application. Hence, it is no guarantee in A/c 19,20,21(one
guarantee in these accounts), 23,24,25.
Z. Two options i.e. purchase of plot and flat have been ticked.
A1. Annexure to application has not been taken in A/c
19,20,21,22,23,24,25.
In A/c NC-17 of Gulab Singh for Rs. 700000/-:
B. No comments.
D. IInd man is authorized.
H. Annexure 'C' is reqd. if income is
below 3 lac. Some officials re not
giving Annexure 'C'. Income of
coborrower as clubbed.
I. Letter of introduction placed in loan
files alongwith their ID proof, such as
DL, PAN, ITR & Election photo ID
card so as to avoid impersonation.
Original title deed are also available in
loan files. There is no case of
impersonation.
A. Payment made through SF
accounts.
B. No comments.
D. Option letter of RoI filled A/c No,.
19 to 25.
E & F. Guarantor/Borrower CR filled
as per proforma in House loan
booklet.
G. Construction is done by Housing
Board, Haryana.
J. All bnorrowers SF A/c holder in our
bank.
G. Housing Board flat can be
sold/purchased as per Cir. 02/07. PoA
not required as per L&A Cir 02/07.
J. Payment through SF A/c's.
O. Margin money utilized.
V. 20 cheques available in A/c No. 19
to 25.
W. A/c 19,20,21 - no guarantee A/c
24-3 guarantor, A/c 23, 25-One
guarantor.
Z. HBH flat is written which means
Housing Board Haryana Flat.
B. No comments.
D. No comments.
H. No comments required.
I. Sh. Dhull has confirmed in writing

that there is no case of
impersonation in these cases.
Hence no comments of BM is
required. Though there are serious
doubts about impersonation.
A. No comments.
B. No comments.
D. Item No. 2 of Agreement stands
already filled up. No separate letter
taken.
E&F. 282B not taken in NC-19-25.
G. No comments.
J. but AOF of SF are not available.
G. No comments required.
J. No comments required.
O. Margin money utilization not
ensured.
V. 20 cheques (blank) available.
W. consent is available in no
account.
Z. HBH is written. No further
comment required.
A1. No comments.
A1. No comments.
Margin money utilization certificate on
Certificate is on record.
F. Margin money utilization is not ensured.

50(b)
51
In A/c JB-79 cutting on agreement is not attested.

In A/c NC-18:
F. 10 cheques are given by guarantor which are incomplete and letter of
intent of depositing the same is not given.
G. Margin money utilization is not ensured.
54
D.
From documents it appears that in some cases right
borrower/guarantor had not signed the documents at time of advance,
especially in case of Devender S/O Sube Singh, Devender S/O Sadhu and
Suresh S/O Jograj. Re-signing the documents after last observation adds
more to doubt. Impersonation in other accounts is not ruled out as many
of borrowers and sellers did not turn into branch. Who received the
payments is also a question.
E. Many housing loans have been given to one person as borrower/coborrower. Limit per borrower also stands crossed.
55
In the transactions of your personal accounts:

B. Many Drafts/TPOs have been regularly issued for applications of plots.
Bank commission being staff has not been charged.
C. Banker account has been used for big amounts. Bank commission
being staff has not been charged.
D. There are transactions with some of borrowers and sellers of
plots/flats.
F. Operations in Sundry, suspense are routed through accounts. There
are transactions from other branches.
record. Margin money utilized

properly as construction completed.
House is nearby bank building.
There is no cutting/ over-writing.
F. Cheques are written in handwriting
of guarantor showing name of
borrower for which cheque are given.
Serves purpose of intent of deposit of
cheque.
G. No comments.
D. Devender S/O Sube Singh visited
branch on 19.04.13 and signed BC
letter in presence of BM, B.O. Arya
Nagar in A/c 214, NC-241 and NA
374274. Signature on BC letter tallied
with loan documents. Suresh S/O
Jograj Singh signed BC letter in
presence of BM. Signature of BC
letter tallied with loan documents.
ID photo such as photo ID Card, D/L,
PAN card, original title deeds
available in loan file. Devender S/O
Sadhu visited B.O. on 06.05.13 and
signed BC letter.
E. Limit per borrower not crossed as
borrower/ co-borrower.
B. Bank commission being staff not
applicable.
C. Noted for future compliance.
No comments required.
F. H.O. to decide about the
requirement of letter of intent.
G. No comments.
Impersonation is not ruled out. Who
received the payment is also a
question.
E. Limit per borrower has been

crossed.
B, C & D: Sh. Dhull has admitted.
F. No comments.
D. Noted for future compliance.

F. No comments.
Considering the gravity of the matter and to safeguard the interest of the Bank, we may submit the details of above irregularities to DAC
Section for initiation of disciplinary action against the Erring Official. We may place all the outstanding items under RO monitoring for
removal of irregularities, safeguarding of Bank interest and closure of Inspection Report.
Submitted, please.
Senior Manager
Chief Manager
General Manager

nwjHkk"k : 01262-256418, 252622 QSDl : 01262- 271206

Chairman Sir,
Reg:
Date: 07.09.2013
Regular Inspection and Audit Report as at 09.11.2011 of Branch Office DC Hisar.
A few of the serious irregularities of above report have already been submitted to DAC section and the irregularities which were rectified have been dropped. The gist of
remaining outstanding irregularities of the report was sent to Sh. Y.S. Dhull by way of Tabular Proforma vide letter dated 25.03.2013 (Flag 'A') with an advise to submit
his comments within a period of 03 days from the date of receipt of the letter.
The details of outstanding irregularities, reply of Sh. Dhull and remarks of present Incumbent Incharge are appended below in tabulated format:
Appendix 'A'
Item No.
Comments of erring official
85
C. Interest in accounts 81583102566733 be checked correctly

D. The sanction letter for higher interest rates given in following FD
accounts, is not in branch:
81583102565433,42,51,60,79,97,646,929,938,947,6098,6858
No comments
Proper bills in joint name, end use utilization certificates are not being
obtained and payment is being credited to SF of borrowers instead of third
party in House loan accounts.
Annexure 'C' has not been obtained in account number NA- 5525.
In A/c NA-5233 signature of DDO are not there on Annexure A.
9A (10)
HGB 546 is incomplete in A/c 546.
Amt. credited in SF A/c of seller and

not SF A/c of borrower wherever third
party required.
60 loose cheque available and
agriculture land mortgaged in A/c
5525.
Separate certificate as per Annexure
A
showing
salary
particular/
deductions available in loan file.
No comments
Comments of present
incumbent in-charge
No comments.
Appendix 'B'
2
Irregularity not removed.

Annexure C not available in A/c
5525.
ITR available but Annexure A not
available.
No comments.
9 (B)
10
In housing loans, the following documents have not been obtained:

1. Third party payment in A/c 519,521,512,523,520,518,522,516,528, 510.
5. Original receipt of payment in A/c 519,521,512,523, 510.
6. Declaration (Annexure VII) in A/c 519,521,512,523,520,518,522,516,
528,510.
9. CR on 282B in A/c 519 (one guarantor).
1. Payment through SF A/c of seller in

519,21,12,13,23,20,18,22,16,28,10.
5. Payment through SF A/c of seller.
6. Declaration completed in all A/c's.
1. Not paid third party payment but

amt. credited in SF A/c of seller.
5. Receipt not on record.
6. Declaration not on record.
9. CR on House loan booklet.
10. Borrower's CR in A/c 522.
10. CR completed.
11. Borrower's CR on 282B in A/c 519,521,512,520,518.
11. CR on house loan booklet.
13. Undertaking that it will not be used for speculative purpose in A/c
519,521,512,523,,520,518,522, 510,525.
15. Salary statement in A/c 519, 518.
13. No reply.
9. Not taken on 282B but CR

available on 282C.
10. Yes on record on HGB 282C in
522.
11. CR on 282C instead of 282B in
all these accounts.
13. Not on record.
16. Six month bank statement for salary verification in A/c 519,512, 518,
516.
17. Separate application in case of joint borrowers in A/c 512,523, 520,
510.
18. Letter of introduction in A/c 519, 521,512,523,520,518, 522, 516, 510.
In loan accounts for purchase of plot issued by HUDA:
1. Old loan files before current inspection are incomplete in A/c 510.
4. Proof of address of one/all borrowers is not on record, hence, it is not
possible to ascertain whether borrower resides in the command area of the
branch which is essential condition of eligibility under the scheme in A/c
523 and 510.
7. Complete address of guarantor is not mentioned, hence, guarantor
cannot be identified or communicated with, in case it is required in A/c
519(one guarantor).
15. HGB15H / ITR 2009-10, 10-11

available in loan file.
16. ITR/Salary particular available in
loan file.
17. Particulars of both borrowers are
given in House loan booklet.
18. All are SF Account holder.
15. Not on record but ITR available
1. Completed.
4. ID Proof available in loan files.
1. No comments.
16. Not on record.

17. Particulars of both borrowers
given in application.
18. Not available in 510 & 523.
4. Address proof on record in A/c

510, 523.
7. No comments
7. No comments..
22, 23 & 30. No reply
22, 23 & 30. No comments.
As built up house, margin money

utilized properly.
Record not available of margin

money utilization.
4. A/c 592 Govt. employee, A/c 603

CEO, Zila Parishad.
5. Affidavit not required.
7. NA as guarantor is not Govt.
employee.
4. Not taken in 614, 603.

5. Not taken & also not proper.
22. 25% margin money was to be routed by borrower through SF a/c with
us. Its utilization has not been ensured in A/c 519(in sale deed),520(in
sale deed),518,516(in sale deed), 510.
23. No record of payment of due installments is on record in A/c 515, 519,
521, 512,513,523,514,504,493,498,488,485.
12(4)
15 (A)
30. Seller of plot is relative of borrower in A/c 519, 521.

Margin money is not utilized in House loan A/c NC-524.
In following consumer loan accounts, documents mentioned against each
have not been taken:
4. Address proof in A/c 614,603.
5. Affidavit in A/c 614,591,595,603,607 and improper affidavit taken in A/c
590, 592, 598.
7. Annexure A for guarantor salary in A/c 590.
7. Not procured Ann. A.
11. Letter of introduction in A/c 590,591,593,595,597,598,599,603.

15 (B)
In following consumer loan accounts, documents mentioned against each

are incomplete:
1. Application in A/c 595, 603.
4. Annexure D/546 in A/c 607.
10. Cheques in A/c 595.
11. Cheque deposit letter in A/c 595.
17 (A)
In following KCC accounts, documents as mentioned against each are

incomplete:
6. CR in 88-216.
17 (D)
In following KCC accounts, documents mentioned against each have not

been obtained.
1. Letter of introduction in A/c 212,202,206,216.
8. Sanction letter in A/c 196 to 216.
9. Annexure in A/c 200.
10. Proof of residence in A/c 215.
11. Affidavit in A/c 202, 211, 213(borrower signatures are required), 200
(borrower's signatures are required).
In following vehicle loan accounts, documents mentioned against each
have not been taken:
4. Bills in A/c 513,518,519,520 (branch name is not on bill).
9. Letter of introduction in A/c 513, 518,520.
19B
26
27
31 (1)
34
1. In JB-83 appraisal and agreement are incomplete.

3. CR & undertaking is not on record.
1. Old loan files related to you are generally incomplete.
2. Housing loans disbursed about two years back i.e. NC-446 to 473, 478,
479, 580, 581 stand closed but closed files could not be produced during
inspection.
4. Under mentioned loans have been done under KICC which are not
covered under scheme as proof of old good borrower is not on record:
88-1520,1751,1858,1469,1797,1803,1566,1441,1450,1496,1247,1238,
1557,1681,1326,1399,1779,1654,1821,1371,1511,AU-4884,4972, 5032,
4857,5005,5014,4909,4839,4848,4866,4750,4723,4893, 4918,4769, 4802,
4990,4981,5023,4778,4875,NA-5358,5279,5774,5783, 5385,5376, 5534,
5172,5215,5686,5808, AH-3006,2991, NC-5015
1. Agreement, cheque deposit letter, awareness cum possession letter,
cheques taken (20) are incomplete In A/c NC-508.
You have not informed the Regional Office regarding exceeding/ violation
of loaning powers
11. All are SF A/c holder. A/c

introduced.
11. Annexure A not required.
1. Application completed in 595, 603.

4. Annexure completed in 607.
10. Cheques available.
11. Dropped vide HO letter dated
25.03.13.
CR completed in 216.
1. Application incomplete in 595.

4. No comments about A/c 607.
10 & 11. Needful done. (Cutting
not authenticated by BM).
1. SF A/c holder.
8. Sanction on record.
9. Annexure completed in A/c 200.
10. Introduced by staff. I confirm the
residence is in Hisar.
11. Affidavits not required.
4.Name of bank mentioned in RCin
A/c 513, 518.
Not commented.
1. Introduction not procured in all

these accounts.
8. Not procured in all these A/c's.
9. Not obtained in A/c 200.
10. Not obtained.
11. Not procured in 200,202,211.
RC available in joint name in A/c
513, 518, 519 but not available in
520.
9. SF A/c holder & SF A/c introduced

by customer of bank.
9. Not obtained in 513,518,520.
No comments.
No comments.
1. Completed in all respects.

2. All loan files were handed over to
Chief Manager Sh. UD Sharma.
1. No comments.
2. These files not found.
4. 88-1399 old borrower of B.O. Arya

Nagar (Also JB-721). Separate sheet
for reply attached.
4. No comments.
Agreement, cheque deposit letter,

awareness cum possession letter
completed.
No such entry, no power exceeded.
Yes, incomplete.
Record not available.
35
63
64
66
Entry related to fraud and other nefarious modus operandi found in branch
not reported to RO/HO. Details of fraud has also not been given.
Receipts of fees not obtained in following Education loan accounts:
364,369,379,382,393,397,401,406,417,429,432,433,434,442,451,455,
457,459,469,480,494.
Consideration vouchers are not signed by borrower in Education loan A/c
429, 433, 442 (dated 16.05.09).
In Education loan A/c 434 - loan amount sanctioned Rs. 302000/- but
disbursement made for Rs.319000/-. Total loan disbursed - 75000+
85100+ 70000+58100+31000=319000. Receipt of Rs. 75000/-, 85100/-,
70000/- not obtained.
No such entries were found at any

stage.
End use stands verified.
Record not available.
End use verified.
Yes, not in record but end use

verified by BM.
Disbursed amount in this case is
Rs. 291100/- i.e. within limit.
Amount disbursed Rs.291100/- Out

standing Rs. 3168/-. Please drop the
matter.
End use of loan verified by BM.
Considering the gravity of the matter and to safeguard the interest of the Bank, we may submit the details of above irregularities to DAC
Section for initiation of disciplinary action against the Erring Official. We may place all the outstanding items under RO monitoring for
removal of irregularities, safeguarding of Bank interest and closure of Inspection Report.
Submitted, please.
Senior Manager
Chief Manager
General Manager
IRREGULARITIES OF SERIOUS NATURE - INSPECTION REPORT B/O LADAIN AS AT 28.01.13 (SH. SURESH KUMAR)
Non-Credit Function
Item No.
You have incurred the following expenditure beyond your

vested powers and have not got the same confirmed from
Competent Authority:
under head 1141501
Date
Amount particulars
05.03.12 11100
Remittance charges
to
21.01.13
under head 1142901

02.03.12
02.03.12
05.03.12
30.03.12
30.03.12
30.03.12
30.03.12
05.03.12
05.03.12
31.03.12
18.10.12
Total
4179
11133
302
1790
760
600
720
1865
6500
13261
100
41210
Exp. for opening of branch

-doCost of stationery.
-do-doLabour charges for white wash.
Cost of networking
Cost of earthing
Cost of networking line
Cost of banner
under head 1142801

Date
Amount particulars
05.03.12
05.03.12
26.07.12
16.10.12
total
11.9
8025
825
1200
762
10812
Cost of security deposit of electricity

Cost of stamp of branch
Cost of tax return filing
Cost of tax return filing
Vouchers are not being tallied, stitched and signed by the

custodians in the voucher register.
Comments of present
incumbent in-charge

nwjHkk"k : 01262-256418, 252622 QSDl : 01262- 271206

Chairman Sir,
Date: 11.09.2013
Reg: Regular Inspection Reports (RIR) of Branch Office Amritsar Kalan as at 31.03.2012.
The outstanding irregularities of above report were sent to Sh. KR Mehra, by way of tabula proforma vide our letter dated 07.01.2013 with
an instruction to submit his reply within a period of 03 days of receipt. The details of outstanding irregularity, reply of the Erring Official,
recommendation of Regional Office, Hisar and our observations are appended below in tabulated format:
Item No.
Appendi
x
B
Item No.
14
Nature of
irregularities
You have financed
second buffalo in
following
irregular
accounts
after
expiry of more than
one year:
AH-8160,
8197

AH-8160: As per A/c statement advance was made
on 15.04.08 for Rs. 40000/- and the same day credit
entry made by the then BM for Rs.25000/-. So as per
this the DP in this account become Rs.26666/however, the O/s balance in this account as on
10.02.10 was Rs. 12988/-. Therefore, account was
regular when the IInd buffalo was advanced.
8188,
this the DP in this account become Rs.28666/- as on
10.11.09 however, the O/s balance as on 10.11.09
was Rs. 15416/-. Therefore, account was regular
when the IInd buffalo was advanced.
this the DP in this account become Rs.28666/- as on
Recommendation of
Regional Office Hisar
Sh. KR Mehra vide his
letter 19.03.2013 has
informed that accounts
were regular at the time
of
disbursement
of
second
buffaloes
in
these cases.
On
analysis of statements of
accounts in loan cases
No. AH 8160, AH 8188
and AH 8197, it has
been found that these
accounts were irregular
at
the
time
of
disbursement of second
buffaloes. Hence it is
recommended
that
suitable action may be
taken against Erring
Official.
Our comments
The second buffalo
has been financed in
irregular accounts and
the repayment period
of 5 years has been
completed in all these
accounts. The present
outstanding
is
as
under:
A/c
AH-8160
AH-8188
AH-8197
O/S
35229
20711
34905
10.11.09 however, the O/s balance as on 10.11.09

was Rs. 12978/-. Therefore, account was regular
when the IInd buffalo was advanced.
The Erring Official has tried to mislead the authorities through misinterpretation and submitting reply which is devoid of facts. Considering
the gravity of the matter, recommendations of Regional Office, Hisar and to safe guard bank's interest, we may submit the details of above
irregularity to DAC Section for initiating disciplinary action.
Submitted, please.
Sr. Manager
Chief Manager
General Manager

nwjHkk"k : 01262-256418, 252622 QSDl : 01262- 271206

Chairman Sir,
Date: 13.09.2013
Reg: Regular Inspection Report (RIR) of Branch Office Jui Khurd as at 22.03.2013.
Sh. D.V. Grewal, Manager was advised to submit his comments to a few of serious irregularities pointed out in the above report vide our
letter dated 28.05.2013 followed by reminders dated 17.06.2013, 21.06.2013 and 23.07.2013 apart from various telephonic reminders. The
details of irregularities and reply of the Erring Official are appended below in tabulated format:
Credit Function
Item No.
Loan of Rs. 15.25 lakh sanctioned which is beyond the vested powers of
Rs. 10.00 lakh of BM in A/c No. 88-8100.
No reply
a) Appraisal by IInd man not done in KCC A/c's 7466,7445,7642,7651,

7660,7679,7688,7703,7712,7721,7730,7749,7767,7776,7819,7828,783
7.
b) Sanction not done in A/c No. 88-8076,8085,9304.
No reply.
a) Borrower is not having cultivation rights on agricultural land on which

limit has been sanctioned in following KCC Accounts:
lpZ fjiksZV esa odhy us _f.k;ksa ds fgLls Lohr tehu

ds fglkc ls fn[kk, gSaA
[kkrk la[;k
odhy dh lpZ fjiksZV esa
fn[kkbZ xbZ tehu@fgLlk
A/c No.
Cultivation
rights
Limit
Limit
sanctioned
sanctioned
on
88-7378
22K
48K
3.0 Lac
88-7174
5B6B
26B16B
2.0 Lac
88-7387
40K
72K
3.0 Lac
88-7837
8B
23B
1.4 Lac
88-7943
13B
35B
1.13 Lac
b) Girdawari not obtained in A/c No. 88-7369,7350,7800,7837.
c) Girdawari is more than six month old in A/c No. 88-7271.
f) Intkal No. 1983,1995,1997 not obtained in A/c 88-7767.
88-737
88-7174
88-7387
88-7837
88-7943
48K
26B16B
72K
23B
35B
fxjnkojh yh Fkh ijUrq _.kh ds

ikl jg x;hA ysdj lwfpr dj fn;k tk,xkA
c) 88-7211 esa ubZ fxjnkojh ysdj lwfpr dj fn;k tk,xkA
f) 88-7767 esa bUrdky u- 1983,1995,1997 ysdj lwfpr dj fn;k
b) 88-7369, 7350, 7800, 7837
14
h) A charge of Rs. 50,000/- stands in revenue record in favour of Sh.

Dalip Singh, who is borrower in joint KCC account. In NEC in A/c No.
88-7985 share of borrower is 21K12M out of 25K7M which is not
according to revenue records.
tk,xkA
h) tekcUnh esa iVokjh us Jh nyhi flag ds uke dk pktZ
vkM jgu Qd fn[kk j[kk gSA
a) Limitation allowed to expire in 92 accounts.
BC letter ys j[ks gSa] ijarq _.k nLrkost jftLVj esa p<kus jg x, FksA
ftudh fooj.k fuEu izdkj gSA tks BC izkIr dj yh xbZ gSA
A/c No.
88-131
1107
2364
2629
2762
3150
4496
4858
6157
NC-114
JE309
JE503
JE521
AS36
AU 21
AU 142
AU 188
AH 491
AH1199
87-318
BC date
29.12.12
27.04.11
27.04.11
05.10.10
21.11.12
01.03.12
24.11.11
03.04.12
21.11.12
16.06.12
02.04.12
16.11.11
03.12.11
28.09.10
24.11.11
13.12.12
11.02.12
16.05.12
27.04.12
20.07.12
A/c No.
1073
1693
2425
2656
2805
4487
5130
86-13
JE 169
JE220
JE372
JE512
AS45
AU12
AU 133
AU 179
AU 197
AH 525
AH4429
AP-53
BC date
02.03.13
01.03.11
05.10.10
03.04.12
21.11.12
24.11.11
04.04.12
13.10.12
03.05.12
27.06.11
27.11.11
08.11.11
05.06.10
23.12.11
30.06.11
Closed.
16.04.12
25.12.12
28.07.12
04.04.12
A/c No.
AH6829
AH8545
AH8563
AH8730
AH8758
AH8785
AH8855
AH8882
AP-44
87-114
87-345
AH6176
AH8554
AH8606
AH8749
AH8776
AH8794
AH8873
AH8934
BC date
09.11.11
27.11.10
04.04.12
23.07.11
22.09.10
28.04.12
11.04.12
17.04.12
21.04.12
04.04.12
28.01.13
27.11.10
04.04.12
28.04.12
08.11.11
29.10.11
08.11.11
11.04.12
03.04.12
c) Following loan files were not available for checking of BC letters:
dqy 59 [kkrsA
vkxs dh xbZ izkfIr ls lwfpr dj fn;k tk,xkA
88-326,AH-9076,9094,8916,NA-107,JE-11,48,549,558,AH-39,48,75,
163,4080.
88-326 _.kh us cSad dk dtkZ pqdk fn;k FkkA bldks Qd i= Hkh

fn;k tk pqdk gS ijUrq Finacle esa [kkrk can ugha fd;k x;kA
AH-9076, 9094, 8916, 558, 163 JE-11, 48 cSd fjdkMZ esa miyC/k
gSa A NA-107 ds ckjs igys gh lwfpr dj j[kk gSA ekeyk Jh ,l ,l 'kekZ
ls lacaf/kr gSA JE-549 suit filed gSA ewy nLrkost Jh j.k fot; flag
odhy dks ns j[ks gSA
Non-Credit Function
32
ID proof not obtained in 34 SF accounts.
33
Address proof not obtained in 83 SF accounts.
CASA campaign ds rgr xkao esa ?kj ?kj tkdj No Frill [kkrs [kksys x, gSaA
xkao esa QksVks LVsV dh lqfo/kk ugha FkhA vr% mDr [kkrksa esa okafNr
nLrkost iw.kZ u gksus rd [kkrk lapkyu dh vuqefr ugha nh tk,xhA
mDr [kkrs CASA Campaign ds rgr ?kj ?kj tkdj [kksys x, [kkrs gSaA xkao
esa QksVks LVsV dh lqfo/kk ugha FkhA vr% mDr [kkrksa esa okafNr
nLrkost iw.kZ u gksus rd [kkrk lapkyu dh vuqefr ugha nh tk,xhA
34
Photograph not obtained in 56 SF accounts.
mDr [kkrs CASA Campaign ds rgr ?kj ?kj tkdj [kksys x, [kkrs gSaA xkao
esa QksVks xzkQj dh lqfo/kk ugha FkhA vr% mDr [kkrksa esa okafNr
nLrkost@QksVks miyC/k u gksus rd [kkrk lapkyu dh vuqefr ugha nh
tk,xhA
The Erring Official has submitted part reply of a few irreqularities which is not convincing despite affording ample opportunity. Considering
the gravity of the matter and to safe guard bank's interest, we may submit the details of above irregularity to DAC Section for initiating
disciplinary action.
Submitted, please.
Sr. Manager
Chief Manager
General Manager

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oSclkbZV %& www.hgb.co.in
Email : hgbrtk@yahoo.com
Chairman Sir,
Reg:
Date: 28.09.2013
Regular Inspection Report of B.O. Padla as at 30.06.2012.
The gist of outstanding irregularities of Appendix 'B' of above inspection report was sent to Sh. SK Talwar by way of tabular proforma dated 30.03.13
(Flag 'A') for rectification. The details of irregularities, reply of Erring Official and Comments of present incumbent in-charge are appended below in
tabulated format:
APPENDIX
Item No.
Comments of erring
official
Comments of present
incumbent in-charge
Recommendation
of Regional
Manager, Ambala
Our comments
27
Demand loan A/c PC-12222

disbursed on 11.01.06 for
Rs.48000/against
FDR
3102490014 dated 18.03.05 for
60 months. On maturity on
18.03.10, FDR proceeds were
not credited in Demand Loan
and the same were credited in
D/loan on 13.10.2011 i.e. after
expiry of 18 months 25 days.
Outstanding balance of Rs.
6873/- in Demand Loan after
credit
of
FDR
proceeds
adjusted by debiting 'Income
Interest earned on Demand
loan'.
Demand loan A/c was due

for maturity on 18.03.10
related to period of Sh.
Satpal Anand.
When it
came to my notice on
13.10.11, I closed the A/c on
13.10.11 and extra interest
charged was reversed as the
money was with Bank and
A/c remained outstanding
due to Bank fault.
The FD 3102490014 &

PC 12222 was due for
adjustment on 18.03.10
during the incumbency of
Sh. Satpal Anand who
remained in the branch
upto 08.02.11. So the
amount Rs. 6873/- may
be recovered from the
Erring Official.
The item is not

related to
tenure of Sh.
SK Talwar.
Whole proceeds of
the FDR including
interest have been
transferred to loan
account and no extra
interest has been
paid on FDR after
maturity. As such,
there is no loss to the
bank.
i) Though documents are

filled of full amount of loan
Documents have not

been executed net of
The Item may

be dropped.
While the procedural

irregularity exist in
Appendix 'B'
2 (A)
In A/c JH-16948:
(i) Document not executed net
of subsidy.
has been executed net of

subsidy.
(ii) Documents not executed

net of subsidy (HHKN) in A/c
AH-17050,17078,17096.
ii) Document executed of full

amount loan disbursed net of
subsidy and entered in
system net of subsidy in AH17050,17078, 17096.
In Debt Swap accounts:

iii) Agreement got stamped
(iii) Agreement is unstamped in in AP-1793,1799,1801,1804,
A/c AP-1793,1799,1801,1804, 1806,1807.
1806,1807.
subsidy. Loan advanced

on 30.11.11, the subsidy
& margin money has
been adjusted on the
date of disbursement and
the system has been
debited with net of
subsidy on the date of
advancement.
ii) AH-17050,17078 &
17096, the system has
been debited with net of
subsidy. Hence the
objection may be
dropped for inspection
purpose.
iii) Stamp paper worth
Rs. 10/- each has been
obtained and attached
with agreement in AP1793,1799,1801,1804,
1806,1807.
the loan account, the

bank's interest are
safe
The item may

be dropped.
While the procedural

irregularity exist in
the loan account, the
bank's interest are
safe
The item may

be dropped.
We may drop the

matter.
While the procedural lapses have been committed by Sh. Talwar, still considering the fact that Bank's interest are safe in these accounts and taking a
lenient view, we may issue a "Note of Caution" to Sh. Talwar advising him to be more careful in future and any recurrence may result in initiation of
appropriate action and drop these items.
However, the following irregularities of the Tabular Proforma dated 30.03.2013 are still outstanding. The details of outstanding irregularities, reply of
Erring Official, Comments of present incumbent in-charge, recommendations of Regional Office and our comments are appended below in tabulated
format:
Appendix 'B'
Item No.
Irregularity
Comments of present
Incumbent
Recommendations of
Regional Manager
Our comments
(iii) Scale of finance wrongly

filled i.e. Rs. 30000/- for paddy
and Rs. 25000/- for wheat, is on
higher side in A/c 88-18577,
1859.
(iii) scale of finance has been

corrected & got authenticated
from borrower.
Modification has been

made in HGB763 & 3rd
crop has been incorporated
& cutting has been got
authenticated from the
borrower.
The item may be dropped.
The limit was sanctioned

on higher side ab-initio
itself. Mere change in the
crop pattern does not
absolve him of the
irregularity committed.
11
12
15
19
In Debt Swap accounts:

(viii)A/c
No.
AP-1812
is
advanced beyond powers as
KCC
A/c
88-17286
was
sanctioned by Regional Office
on 09.09.10.
viii) AP-1812 done earnestly

present Incumbent Incharge has
been request to move for action
confirmation from RO Ambala or
the A/c will be got closed from
borrower.
Limitation register of loan Limitation was expired in

documents is not maintained number of cases by previous
as per HO instructions.
Incumbent Incharge hence
register could not be
maintained as per instructions.
Now it is being maintained as
per instructions.
BC letters are not being As explained in point 11, a lot
obtained
as
per
the of BC letter were not obtained
periodicity prescribed by HO. by previous Incumbent
Incharge, hence, periodicity
could not be maintained. Now,
BC obtained and periodicity
will be maintained
Loan document register is BC letters are not entered in
incomplete and BC letters are loan document register in this
not being entered in it.
region.
No efforts have been made Regular recovery campaign
for recovery in NPA accounts are conducted to effect
after the previous inspection. recovery in NPA.
Action may be initiated.
viii) The loan has been

sanctioned beyond
powers since the KCC
was sanctioned by
Regional Office.
We are entering the BC's

in the system now.
The item may be

dropped.
BM has not confirmed

that limitation register is
updated. It is worth
while to mention that
limitation in 88
accounts is expired.
BC letters will be
obtained as per
periodicity prescribed by
HO in future.
The item may be

dropped.
The reply of EO is not

tenable as limitation in
88 accounts is expired.
We have started entering

BC's in the system.
The item may be

dropped.
EO has admitted the

lapse.
We have made personal

contacts with the
borrower in NPA A/c's &
the results are expected
during this recovery
season (Rabi).
The item may be

dropped.
The reply is not tenable

as the progress in
recoveries is not
visible, especially in
NPA.
viii) Please guide
The Regional Manager, Ambala vide letter dated 15.05.2013 (Flag 'B') has recommended to initiate action for items No. 7(viii), 13, 18 and 20 of
Appendix 'B' as per Bank norms. They have recommended to drop items No. 1(iii), 11,12,15 and 19. However, we are not in agreement with the same
and reasons for difference of opinion are mentioned against each item.
Another tabular proforma dated 17.10.2012 (Flag 'C') was served upon Sh. SK Talwar for certain very serious irregularities of Appendix 'B' of above
inspection report. Initiation of DAC for these irregularities was recommended vide note dated 08.03.2013 (Flag 'D'), wherein your kindself directed to
initiate DAC, in case no reply was received by 15.03.2013. The rectified irregularities have been dropped and the details of outstanding irregularities of
the above tabular, reply of Erring Official and Comments of present incumbent in-charge are appended below in tabulated format:
Item
No.
Comments of erring
official
Comments of present
incumbent in-charge
Recommendation of
Regional Office
Our Comments
13
18
You have allowed limitation to

expire in following loan
accounts:
KCC- 5519, 5722, 6493,
8206,9323, 10098, 10201,
10247,10919, 11291,
Suitable action is
recommended.
All BC Taken except 88-6697
which will be taken in a few
days.
BC vide KCC 5519, 5722,

6493, 8206,9323, 10098,
10201, 10247, 10919,
11291pending. All other
BC taken.
GCC - 297,303,321,330,
349,1014, 1111,1175,
1184,1193,1209,2013,2031,
2068,2077,3049,3076,
4057,4066,4084,4093.
All BC taken except

1014,1111, 1175, 187, 1184,
1193, 1209, 2023, 2031,
2068, 3049, 3076, 4057,
4066,4084, 4093. 2077 A/c
closed.
GCC - 297,303,321, 330,

349,1014, 1111,1175,
1184,1193, 1209 , 2013,
2031, 2068,2077,3049,
3076, 4057, 4066,4084,
4093 pending.
SCC - 67,76,135,199,
205,214, 232,269,296, 320.
BC taken except for 67,76,

135, 199,205,214,320.
All BC pending.
AH (Buffalo etc.) 15308,15432, 16060,16927,
All BC taken.
JH - 13473, 13570,
All BC taken.
AP - 70,89, 98, 159, 186,

308, 380, 405, 450,487, 496,
502,520, 15504, 15692,
15799,15869, 15911, 16035,
16558, 16798, 17131, 17159,
17168,17177, 17186
All BC taken except AP15692,15799, 15869,

15917,16035,16798,17131,
17159,17668,17777, 17186.
NA- 11513,12886,14255,
16891,
BC taken except NA11513,

12886,14255,16891.
JE - 490, LE-12815, 13063,

LF-15, 24, 33 AS - 16041,
16050,16069, 16078,16087
BC taken except LE12815,13063,LF-15,2433.
You have submitted

wrong confirmation to
the effect that Balance
Confirmation
letters
have been obtained
BC were taken
but not completed
as I was
transferred next
day to another
Limitation has been allowed to

expire in a total of 88 loan
accounts as confirmed by BM in
his comments.
BC vide 15308,15432,
16060,16927,
Pending.
BC vide 13473, 13570
pending.
BC vide 70,89, 98, 159,
186, 308, 380, 405,
450,487, 496,502, 520,
15504, 15692,
15799,15869, 15911,
16035, 16558, 16798,
17131, 17159, 17168,
17177, 17186 pending.
NA - All BC pending.
JE-490, LE-12815,
13063, LF-15, 24, 33
AS - 16041,
16050,16069,
16078,16087 pending
The present BM joined the branch on

29.06.12. The limitation has been
reported expired in the accounts as per
tabular proforma on the basis of
inspection report dated 30.06.12. This
We recommend
suitable action.
The EO got the item for more

than 200 accounts dropped
on the basis of false
confirmation but BC letters
were handed over on
and no limitation has branch. Now I

expired vide your letter have completed
dated 24.05.2012 with all BC letters.
regard to Item No. 21 &
22 of Inspection Report
dated 18.10.11 without
actually obtaining the
BC letters. Hence, got
the item dropped on
the
basis
of
misrepresentation
of
facts.
20
File of KCC A/c 13916 not on

record.
has also been reported by present BM

in charge taking report submitted to RO
Ambala.
BM vide his letter dated 23.04.13 (Flag
'C') has stated that "a bundle of BC's
was handed over to the undersigned on
21.03.13 by Sh. SK Talwar (BC's blank
and mostly unverified). It was during
his visit to the branch on 17.04.13 that
the BC's have been got verified and
filled in". Limitation in 20 loan Accounts
has expired. The details are as under
86-2013, 2031,2068,2077, 3049, 4066,
4093,1014, 1111,1175,1184, 1193, AP163035,70,89,98,159, 186,308 and 520
We are trying to locate the

file.
We are making efforts to

locate the file 13916.
Otherwise A/c will be got
adjusted.
We recommend
suitable action.
21.03.2013 and completed

on 17.04.2013. Still,
limitation is expired in 20
loan accounts, as confirmed
by present Incumbent. These
20 accounts are included in
the 88 accounts mentioned
at item No. 13.
File is still not on record.
Consideting the recommendations of Regional Manager, Ambala, gravity of the matter and the fact that reply submitted for the irregularities
is unsatisfactory, non-tenable and devoid of merits, we may submit the details of above irregularities to DAC Section for initiation of
disciplinary action against the Erring Official. We may also place the item mentioned above and the outstanding items under RO monitoring
for removal of irregularities and closure of Inspection Report.
Further, we may call the comments of present Incumbent-Incharge and Regional Manager as to what action they have taken for
revival of limitation, recoveries in these accounts for safeguarding Bank's interest.
Submitted, please.
Senior Manager
Chief Manager
General Manager

nwjHkk"k : 01262-256418, 252622 QSDl : 01262- 271206

Chairman Sir,
Date: 27.09.2013
Reg: Financing beyond vested powers by Ms. Harshi Miglani at B.O. Arnauli.
Kindly peruse note dated 07.06.2013 (Flag 'A') wherein your goodself had directed to serve a "Show Cause Notice" upon Ms. Harshi
Miglani for sanctioning loan account amounting to Rs. 95.30 lakhs during the month of December 2012 without recommendations of 2nd
Man. The contents of Show Cause Notice, reply of the Erring Official and our observations are appended below in tabulated format:
Contents of Show Cause Notice
Our Observations
While functioning as Branch

Manager, Branch Office Arnauli,
you have sanctioned loan proposals
amounting to Rs. 95.30 lac
comprising of fresh sanctions and
enhancements during Dec. 2012 as
informed to us by Regional
Office,Ambala vide their letter dated
30.03.2013, thereby exceeding your
loaning powers of Rs. 30.0 lakh
vested vide L&A Department
Circular
No.
34/2012
dated
06.07.2012.
In December 12, 26 cases became due for renewal of KCC, which were
disbursed/sanctioned in Nov 2007 or Dec 2007. Now, when these cases became due in
Dec 2012, I was supposed to renew them. 5 cases amounting to Rs. 11.5 lac were
renewed as it is. But most of them wanted to avail increased amount as other Banks
(SBOP, Balbhera, SBOP Mardanheri, Union Bank, Balbhera and Axis Bank Balbhjera)
were giving them huge amount of loan. So, I did not let them go to other Banks and
enhanced 21 KCC accounts to Rs. 87.85 lac in Dec 2012. If I would tell them that their
KCCs will be enhanced in Jan 2013 or Feb 2013 then recovery would have effected. All
these Bank are at 5 Km distance from our branch.
The Erring Official has tried to

attribute her action to a
variety of reasons ranging
from her ignorance to conduct
of 2nd Officer posted at the
branch. However, none of
these reason can justify the
violation
of
laid
down
guidelines as ignorance is
no excuse and the conduct
of the then 2nd officer was
never brought our by her at
any time.
AND WHEREAS, your above acts

of exceeding the vested loaning
powers and violation of systems
and procedures of the Bank
tantamounts to misconduct under
the provisions of Haryana Gramin
Bank (Officers and Employees)
Fresh cases are only of Rs. 31.70 lacs in Dec 2012, out of which, few are appraised by 2nd
officer, Sh. Ajit Singh.
I was not awared with the guidelines that we are not to disburse more than 30 lac in a
month without 2nd Officer.
Mentally or workwise, I did not find any difference after the relieving of 2nd Officer, Sh. Ajit
Singh. Rather, I was not embarrassed and ashamed of due to him before the public. I can
submit you his pictures, the way he was daily lying on the floor in drunk condition and daily
my sweepress used to clean the floor and chairs due to his urine passed everywhere. So I
could not realize that his relieving can restrict my powers anyway. However, it was my
mistake.
In Arnauli branch, advances are around 14 crores, so, it is obvious that in every crop
season, approx. 1 crore KCCs become due for renewal or enhancements. Every season
The budgets are allocated as

per the available potential of
Service Regulations, 2010.

NOW, THEREFORE, you are
hereby directed to show cause as to
why disciplinary action should not
be initiated against you for your
above misconduct under the
provisions of Haryana Gramin Bank
(Officers and Employees) Service
Regulations, 2010 within a period of
10 days from the receipt of this
notice failing which it will be
presumed that you have nothing to
say in this regard and appropriate
action will be initiated against you.
some fresh KCCs are also done. Hence, looking at the total business of the branch and the
targets allocated to the branch, disbursement is also heavy in the crop season.
It is not that throughout the year there is so much disbursement. Being agriculture
dominant area, most of the disbursement is in crop season. There are big farmers, hence
limit are of 6-7 lacs. If we give 30 lacs, only 6-7 person can be benefited. In some months,
there is only 2-3 cases disbuirsed.
One thing I submit with 100% surety that whatever has been done, it was only and only in
the interest of the Bank and without an iota of personal interest. Bank has made different
enquiries from the field as well my total files have been checked. There can be a mistake
but not malintention in my working.
Since 1999, I have been working at Ambala, administrative office or as 2nd Officer. It is
only in 2010 I took over as Incharge. So being out of touch for long time, there can be
some mistakes but no personal interest was involved.
As soon as I came to know the guidelines regarding 30 lacs in a month, I requested R.O. to
confirm my action in Jan 2013 and submitted full details to them.
the area and non-availability

of 2nd Man at a branch in no
way hinders the development
of Bank as only the approval
of loan proposal is vested at
Regional Office. There is no
addition with regard to
documentation or procedural
requirements.
Every
bank
official
is
expected to keep the interest
of bank above his own and
work with bonafide intention
within the framework of laid
down guidelines.
Good
intention cannot be allowed to
prevail over the systems and
procedures.
As I worked with full honesty, dedication and hard work, any disciplinary action may not
demotivate me. Kindly consider my case according to the submissions I have made.
The reply of the Erring Official is considered unsatisfactory and non-tenable and we may hand over these details to DAC Section for
initiating disciplinary action.
Submitted, please.
Sr. Manager
Chief Manager
General Manager
COMPLAINT OF SH. SUNIT KUMAR AGAINST BRANCH OFFICE LOHANI (SH. KARTAR SINGH)
You have failed to conduct monthly Gram Sabha meetings in
terms of Financial Inclusion Department Circular No. 01/2013
for imparting knowledge to enable financial planning inculcate
saving habits and improve the understanding of financial
products amongst villagers.
Comments of Regional Office

nwjHkk"k : 01262-256418, 252622 QSDl : 01262- 271206

Chairman Sir,
Date: 28.09.2013
Reg: Irregularities of serious nature at B.O. Nissing.

An investigation was got conducted to check the irregularities in loan accounts of branch office NIssing and on the basis of investigation
report Staff Side Case against Ms. Rama Kalra, Branch Manager, B.O. Nissing was initiated for the irregularities by way of Tabular
Proforma.
The details of irregularities pointed out in the investigation report, reply of Erring Official, comments of official deputed by Regional Office
Ambala to verify the reply of EO, views/recommendations of Regional Manager, Ambala are appended below in tabulated format:
Sr. No.
In the following SHG loan accounts sanctioned and disbursed by you for
Maniyari Shop , no goods were purchased i.e. Security is missing:
Sr.
No.
(a)
(b)
(c)
A/c No.
Name
Date
Amount
AS-46
AS-55
AS-37
Hari SHG Nissing

Saloni SHG Agondh
Isha SHG Agondh
05.12.12
06.12.12
200000
150000
150000
Apart from the above, all above 3 SHG financed for Maniyari Shop and bills
have been issued for all the 3 SHG by "Kappor General Store, Nissing" and
during personal visit, the proprietor told that no goods were sold, only bills have
been issued on the basis of commission. No maniyari goods are available in
the shop Kappoor Gen. Store which is a shop of ready made cloth.
Comments of Erring
Official
All are sponsored
cases.
-Payment
made
through
Banker
cheque.
-Securities
were
created.
-Regular accounts.
-Borrowers
gave
undertaking
having
received/ utilized full
amount without any
deduction.
On personal contact, three group members of Isha SHG (Smt. Anguri, Smt.
Sheela and Smt. Sarbati) also told that each of them received an amount of
Rs.13700/- in cash and the same was spent by them on family expenses.
The position of security in SCC cases financed by you was found to be as
under:
A/c No.
87-1493
Name
Kamaljeet
Amount
25000
Date
24.08.12
Activity
Music
Security
Nil
Comments of
Investigating Officer
-Verified the reply of B
M.
-Contacted the supplier,
who accepted having
sold the goods to
borrowers.
-Supplier
gave
undertaking verifying his
statement.
-securities not present.
-Borrowers
gave
undertaking
having
received/ utilized full
amount without any
deduction.
Verified
the
comments.
Security present
branch
Comments of
Regional Office
Concurred with IO.
Concurred with I.O.
871563
871679
Satish
Baljeet
50000
50000
30.10.12
20.01.13
Furniture
Kirana
Nil
Shifted to Karnal
Seucrity present
Security present
871466
871590
Partap
Rita
25000
50000
14.08.12
19.11.12
Nil
Nil
Security present
Security present
871475
Daya
50000
14.08.12
10-15000
Security present
871660
Randhir
50000
24.01.13
Nil
Security present
871572
Anju Devi
50000
05.11.12
Nil
Security present
871484
87-1536
871642
871651
Sonia
Neelam Devi
Sohan Lal
Karnail
Singh
50000
50000
50000
25000
24.08.12
18.09.12
24.12.12
29.12.12
Invertor
Ready
made
garments
Beauty
parlour
Tyre
puncture
Gen.
Store
Tailoring
Maniyari
Kirana
Building
material
Nil
Nil
Nil
Nil
Security present
Missing.
Missing
Missing.
Revenue leakage of an amount of Rs.14535/- was detected.
Recovered
19.02.2012.
on
Verified
Concurred with IO.
The reply of the Erring Official was processed vide note dated 20.06.2013 (Flag 'A') wherein your goodself had directed to probe the veracity of the claim
of proprietor of Kapoor General Store, Nissing of having sold goods worth Rs. 5.0 lakh in one go for maniyari shop.
The matter was got reInvestigated through Regional Office Ambala. The details of irregularities pointed out in the investigation report, comments of official deputed by
Regional Office Ambala and present position of accounts is appended below in tabulated format:
Sr. No.
In the following SHG loan accounts sanctioned and disbursed by you for Maniyari Shop , no
goods were purchased i.e. Security is missing:
Sr.
No.
(a)
(b)
(c)
A/c No.
Name
Date
Amount
AS-46
AS-55
AS-37
Hari SHG Nissing

Saloni SHG Agondh
Isha SHG Agondh
05.12.12
06.12.12
200000
150000
150000
Apart from the above, all above 3 SHG financed for Maniyari Shop and bills have been issued
for all the 3 SHG by "Kappor General Store, Nissing" and during personal visit, the proprietor
told that no goods were sold, only bills have been issued on the basis of commission. No
maniyari goods are available in the shop Kappoor Gen. Store which is a shop of ready made
cloth.
On personal contact, three group members of Isha SHG (Smt. Anguri, Smt. Sheela and Smt.
Sarbati) also told that each of them received an amount of Rs.13700/- in cash and the same
was spent by them on family expenses.
Comments of Investigating Officer

The matter has been further investigated by me. Self help
group members have informed that they have received less
payment, giving credence to the fact that Sh. Kharag
Singh, proprietor of M/s Kapoor General Store, Nissing
deducted this amount as commission. As loans were
disbursed on 04.12.12, 05.12.12 and 06.12.12 total
amounting to Rs.500000/- but such a large stock cannot be
stored in his shop. The securities as informed earlier, are
missing in all the 3 accounts. There is no record of post
disbursement follow up in the branch.
- In SHG loan accounts less payment has been received by
the members of SHG's.
-Misutilisation of funds.
- Securities are missing in all three SHGs.
The present position of accounts mentioned in investigation report is as follows:

a)
SHG Accounts:
Sr. No. A/c No.
1
AS-46
2
AS-55
3
AS-37
Subsidy
80000
80000
100000
Total Recovery
40000
27420
28620
Present O/s
150959
114696
104708
Present Status
Regular
Regular
Regular
b)SCC Accounts:
Sr. No
A/c No.
Amount
50000
50000
50000
50000
50000
Date
of
Advance
31.10.12
25.01.13
19.11.12
05.11.12
24.12.12
Present
O/s
53411
52654
52096
52632
52926
1
2
3
4
5
87-1563
87-1679
87-1590
87-1572
87-1642
6
7
8
9
10
11
12
87-1536
87-1651
87-1493
87-1466
87-1660
87-1475
87-1484
50000
25000
25000
25000
50000
50000
50000
18.09.12
29.12.12
24.08.12
14.08.12
24.01.13
14.08.12
24.08.12
57503
27620
25801
25921
38593
50366
51932
Recovery effected
Present Status
10000 on 15.11.12, 1000 on 01.03.13 total Rs. 11000

1000 on 02.03.13, 1000 on 09.07.13 total Rs. 2000
31000 on 28.03.13
2400 on 13.03.13, 1000 on 02.05.13 total Rs. 3400
1000 on 02.03.13, 500 on 11.03.13, 800 on 21.05.13
total Rs. 2300/-
irregular
Irregular
irregular
Irregular
Irregular
2000 on 27.02.13
Irregular
Irregular
Renewed on 17.06.13
Renewed on 26.06.13
Renewed on 08.07.13
Renewed on 20.07.13
Renewed on 24.06.13
From the above it reveals that:

a)
The reply of the Erring Official is contradictory to the physical verification in SHG accounts and creation of security is grossly doubtful.
Even if security was indeed created, the same is missing and a few of the borrowers have accepted having received amount lesser than
loan amount in cash,
b)
As interest is not being paid on monthly basis as per the requirement of the scheme in SCC accounts, security is missing in A/c 87-1536,
1642 and 1651, recovery is erratic, wherever it is forthcoming, these accounts are considered likely NPA.
Keeping in view the above facts, we may submit these details to DAC section for initiating disciplinary action against the Erring Official. We may also
advise the Regional Manager and present Incumbent to take all necessary steps to safe guard the interest of the Bank
Submitted, please.
Senior Manager
Chief Manager
General Manager

nwjHkk"k : 01262-256418, 252622 QSDl : 01262- 271206

Chairman Sir,
Date: 28.09.2013
Reg: Regular Inspection Report of B.O. Dinod as at 25.01.2012.

The gist of outstanding irregularities of above reports were sent to Sh. SC Ahuja, Sr. Concurrent Auditor, vide our letter dated 16.04.2013 (Flag 'A') with
an instruction to submit his reply within a period of 3 days of receipt of letter. The details of outstanding irregularities are appended below:
Item No.
APPENDIX B
1(b)
Excess limit of Rs. 25000/- has been sanctioned in A/c No. 88-8992 on agriculture land measuring 1K15M.
2
3
4 (2)
6
9
Other expenditure sanctioned more than Rs. 10000/- per acre in following KCC accounts:
614,618,619,621,622,626,630,632,635,643,646 to 648,652, 654, 659, 665,666,668,671,675,679,680,710,712.
In following accounts loan sanctioned is not as per scale of finance:
KCC 686,725,726.
Sh. Murari Lal has been sanctioned KCC (A/c 88-9007 for 1 lac), Dairy (A/c AH-9099 for 1 lac), AP-8263 for 5 lac (purpose
not mentioned) and House loan (A/c 72 for 3 lac). In these accounts:
a) Full amount of Rs. 1 lac disbursed in one stage in A/c AH-9099, without obtaining Health Certificate, insurance and
Annexure.
b) Scheme/Project report, Annexure, Activity details have not been obtained in A/c AP-8263 for Rs. 5 lac, hence, the
irregularities could not be assessed.
c) Loan sanctioned under KICC Scheme but eligibility for KICC not mentioned in the account.
d) Proposal not recommended by Second Man.
e) Economics calculation/income proof is not on record to meet out EMI, principal and interest.
f) End use not verified.
Health certificate, hypothecation agreement not obtained, 769 is incomplete, insurance not got done and assets not verified
in Dairy Vikas Card A/c No. 63 and 64.
In loan A/c HLP-5 of Rajpal of Rs. 4.5 lac:
i) Loan application is incomplete.
iii) CR of borrower and guarantor not obtained.
10
12(2)
viii) End use not verified at any stage.

ix) Margin money not obtained.
xi) Voucher dated 25.04.09,15.05.09 and 27.05.09 are not passed by BM.
In Loan A/c HLP-6 for Rs. 6.0 lac:
iii) Agreement of guarantee is incomplete and not signed by Manager.
iv) Loan application is incomplete.
v) Photo not obtained and income not worked out.
vii) CR of borrower and guarantor not obtained.
viii)End use not verified at any stage of completion.
ix) Proof of address & margin money not obtained.
x) Voucher dated 13.04.09 for Rs. 3.0 lac and Rs. 1.80 lac dated 05.05.09 not passed by BM.
HLP A/c No. 4 stands closed on 16.07.09 but file was not available in closed files.
In A/c NC-72
b) Second Man recommendation not obtained.
f) Income proof is not on record.
g) As per record, age of borrower was 67 years at the time of advance.
Sh. Ahuja has not submitted any reply despite reminders dated 26.04.2013,08.05.2013, 20.05.2013 and various telephonic reminders (02
from General Manager, 10 from Chief Manager and 05 from Senior Manager). Sh. Ahuja informed about joining duties vide letter dated
08.08.2013 and requested for a period of a fortnight for submission of reply/requisite statements. No reply has been received till date.
Further, one last opportunity was granted to Sh. Ahuja under the signature of your kindself vide letter dated 31.08.2013 (Flag 'B') and no
reply has been submitted by him despite consistent telephonic follow-up.
Considering the gravity of matter and to safeguard the interest of the Bank, we may submit the details of above irregularities to DAC
Section for initiation of disciplinary action against the Erring Official. We may also place these items under RO monitoring for removal of
irregularities and closure of Inspection Report.
Submitted, please.
Senior Manager
Chief Manager
General Manager
IRREGULARITIES OF SERIOUS NATURE - INSPECTION REPORT B/O BAWANI KHERA AS AT 21.07.12 (SH. V.K. YADAV)
Appendix 'B'
Item No.
12
You have allowed limitation to expire in A/c AH-3093,

3109, 3118, NC-52, 89, 87-89, 104, 88-6743, 7201,
8778.
Comments of present
incumbent in-charge

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gfj;k.kk xzkeh.

nwjHkk"k : 01262-256418, 252622 QSDl : 01262- 271206

Comments of Erring Official

2. In A/c No. 238, mutation is in the name of HSKGB instead

Vide letter dated 12.06.2013

2. Tabular proforma of IR dated

"You are advised to submit your

Margin money has not been taken in A/c No. AH1727,1745,1763,1772,1781.

Sh. Bhagwanta S/O Bhaira

A. Sh. Ugarsen S/O Badri Parsad, native of Vill Chhindar Distt.

3. Please provide me copies of

further correspondence in this

We advise you to reply the

Sh. Ugarsen, mentioned at 13C above is not having adequate resources

Smt. Suman Devi W/O

25.09.08 and Rs. 5.60 lakh on 29.09.08.

A/c No. 128

OD Against Immovable Property

(a). Site map is not approved.

gfj;k.kk xzkeh.k cSad

nwjHkk"k : 01262-256418, 252622 QSDl : 01262- 271206

You have sanctioned KCC

In this A/c limit has been

The limit has been

A limit of Rs. 1.60 lac has been

gfj;k.kk xzkeh.k cSad

nwjHkk"k : 01262-256418, 252622 QSDl : 01262- 271206

Limitation has been allowed to expire in following accounts:

(i) Inter-se agreement blank and unattested.

c) Receipt of fees paid in cash by student not obtained in JB- 183.

gfj;k.kk xzkeh.k cSad

nwjHkk"k : 01262-256418, 252622 QSDl : 01262- 271206

2. In A/c No. 238, mutation is in the name of HSKGB instead of HGB.

Margin money has not been taken in A/c No. AH-1727,1745,1763,1772,1781.

Amt. Adv. (Rs. in Lakh)

stated that Mr. Y.S.

Sh. Sunil S/O Ugarsen

Amt. Adv. (Rs. in Lakh)

A/c No. 111

A/c No. 154

OD Against Immovable Property

(a). Site map is not approved.

gfj;k.kk xzkeh.k cSad

nwjHkk"k : 01262-256418, 252622 QSDl : 01262- 271206

Comments of Erring Official

Information regarding non availability of loan documents has not been

No such case during my tenure.

Cutting on voucher is not attested in A./c 1155.

B. 88-1159, 1160, 1162 complete.

Comments of present Incumbent

Following documents have not been taken in vehicle loan accounts:

In Consumer Loans, following documents have not been taken:

I. Ration Card not available.

F. Affidavit not required.

Following documents are incomplete:

Application is wrongly filled in A/c 374274.

Application is filled up completely.

374256, 274,283,292, 308, 317, 326, 344, 353, 371.

In housing loans, the following documents have not been obtained:

In accounts for purchase of flat issued by housing board:

I. Sh. Dhull has confirmed in writing

Margin money utilization certificate on

F. Margin money utilization is not ensured.