Nil Queries sheet
S. No. Process
1 Deposit accounts
2 Deposit accounts
3 Deposit accounts
4 Deposit accounts
5 Deposit accounts
6 Deposit accounts
7 Deposit accounts
8 Deposit accounts
9 Deposit accounts
10 Deposit accounts
11 Deposit accounts
12 Deposit accounts
13 KYC & AML
14 KYC & AML
15 KYC & AML
16 KYC & AML
17 KYC & AML
18 KYC & AML
19 KYC & AML
20 KYC & AML
21 KYC & AML
22 KYC & AML
23 KYC & AML
24 KYC & AML
25 KYC & AML
26 KYC & AML
27 KYC & AML
28 KYC & AML
29 Settlement of Death Claims
30 Non-Resident Accounts
31 Non-Resident Accounts
32 Non-Resident Accounts
33 Non-Resident Accounts
34 Clearing
35 Clearing
36 Clearing
37 Clearing
38 Clearing
39 Clearing
40 Clearing
41 Clearing
42 Clearing
43 Transaction Processing
44 Transaction Processing
45 Transaction Processing
46 Transaction Processing
47 Transaction Processing
48 Transaction Processing
49 Transaction Processing
50 Transaction Processing
51 Transaction Processing
52 Transaction Processing
53 Cash Desk Operations
54 Cash Desk Operations
55 Cash Desk Operations
56 Cash Desk Operations
57 Cash Desk Operations
58 Cash Desk Operations
59 Cash Desk Operations
60 Cash Desk Operations
61 Cash Desk Operations
62 Cash Desk Operations
63 Cash Desk Operations
64 Cash Desk Operations
65 Cash Desk Operations
66 Cash Desk Operations
67 Cash Desk Operations
68 Cash Desk Operations
69 Cash Desk Operations
70 Cash Desk Operations
71 Cash Desk Operations
72 Cash Desk Operations
73 Cash Desk Operations
74 Cash Desk Operations
75 Cash Desk Operations
76 Gold loans
77 Gold loans
78 Gold loans
79 Gold loans
80 Protective Arrangements
81 Control & compliance
Office account Monitoring
82 Control & compliance
Office account Monitoring
83 Control & compliance
Office account Monitoring
84 Control & compliance
Office account Monitoring
85 Control & compliance
Office account Monitoring
86 Control & compliance
Office account Monitoring
87 Control & compliance
Office account Monitoring
88 Control & compliance
Office account Monitoring
89 Control & compliance
Office account Monitoring
90 Control & compliance
Office account Monitoring
91 Control & compliance
Office account Monitoring
92 Control & compliance
Office account Monitoring
93 Control & compliance
Office account Monitoring
94 Control & compliance
Office account Monitoring
95 Control & compliance
Office account Monitoring
96 Control & compliance
Office account Monitoring
97 Branch Keys
98 Safe Deposit Locker
99 Safe Deposit Locker
100 Safe Deposit Locker
101 Safe Deposit Locker
102 Safe Deposit Locker
103 Safe Deposit Locker
104 Safe Deposit Locker
105 Safe Deposit Locker
106 Safe Deposit Locker
107 Deliverables
108 Deliverables
109 Deliverables
110 Deliverables
111 Deliverables
112 Deliverables
113 Deliverables
114 Deliverables
115 Deliverables
116 Payment Request Forms (PRF) &
Petty Cash
117 Payment Request Forms (PRF) &
Petty Cash
118 Sale of Bullion
119 Sale of Bullion
120 Depository Participant Business
121 Depository Participant Business
122 Depository Participant Business
123 Depository Participant Business
124 Depository Participant Business
125 Depository Participant Business
126 Depository Participant Business
127 Depository Participant Business
128 Maintenance of records
129 Maintenance of records
130 Prepaid Cards
131 Prepaid Cards
132 Retail Forex Remittances
133 Retail Forex Remittances
134 Retail Forex Remittances
135 Retail Forex Remittances
136 Retail Forex Remittances
137 Retail Forex Remittances
138 Retail Forex Remittances
139 Government Business
140 Government Business
141 Government Business
142 Government Business
143 Government Business
144 Government Business
145 Government Business
146 Government Business
147 Government Business
148 Government Business
149 Government Business
150 Government Business
151 Government Business
152 Government Business
153 Government Business
154 Government Business
155 Government Business
156 Government Business
157 Government Business
158 Government Business
159 Premises / Fixed Assets
160 Others (not included
above)
161 Others (not included
above)
162 Others (not included
above)
163 Others (not included
above)
164 Others (not included
above)
165 Others (not included
above)
166 Inward Remittance
167 Outward Remittances
168 Outward Remittances
169 Imports
170 Export Bills
171 Import Bills
172 Packing Credit
173 Packing Credit
174 Foreign Letters of Credit
175 Foreign Letters of Credit
176 Foreign Bank guarantees
177 Foreign Bank guarantees
178 Capital account transactions
179 Transactions
180 Transactions
181 Transactions
182 Transactions
183 Transactions
184 Forward Contracts
185 Forward Contracts
186 Forward Contracts
187 Buyers Credit
188 Bills of Entry
189 Bills of Entry
190 Bills of Entry
191 Endorsement of licenses
192 Temporary Overdrafts / Drawing
against clearing credits (DACC
193 Loan against Fixed Deposits
194 Staff Loans
195 Agri Business
Nil Queries sheet
Sub process
Tab Banking
NRI Account
FCRA
Escrow/Trust & Retention
Accounts opened through Insta Kits
Account Modification
Interest paid on term deposit/ Savings A/c
Account closure
Accounts Opened and closed within 6 months
Accounts opened and closed without initial funding
Accounts Opened and closed on the same day
Nomination for CASA and Term deposits
Address change
KYC in respect of account opening
KYC in respect of account modifications
AML in respect of High value transactions in newly opened accounts.
Initial funding
Filling of AOF (NFTR reported as on last month)
Re-KYC/ Freeze / Closure of accounts
Re-KYC timelines. (Savings and NRI accounts)
Accounts operated by LOA/POA for NRI accounts.
Transactions in accounts where VISA/ Passport is expired.
NRO accounts Live > 182 days.
Repatriation of Funds in NRO accounts
Obtention of PAN / Form 60
Obtention of Aadhar for existing OD/FD accounts
Accounts of foreign national students
KYC for Agents
Adherence to laid down guidelines
NRE Accounts – Adherence to KYC & Operations in the account- Permissible debits
and credits
NRO Accounts – Adherence to KYC & Operations in the account
FCNR Accounts –Adherence to KYC & Operations
NRE Accounts
Notice board display
Drop Box operations
Crossing of stamps
Cheque return memos
Process for handling Local/ Outstation cheque
Post Dated Cheques
Stale cheques
Outwards Clearing
Dispatch of returned instrument
CMS
Doorstep Banking- Adherence to guidelines and charge recovery (Customer
eligibility and entry in system/ vendor agreement / acknowledgement of receipts)
Handling of vouchers as per guidelines
Transaction as per delegated powers
Process of handling dishonor of cheques 1Cr and above
Transaction executed on Fax / Email indemnities
Window dressing
Undelivered DD/ PO
DD Cancellation
I-connect File
BOD withdrawal
Branch control mechanism
Bulk Cash deposit and processing
Cash Payment- Instrument and signature verification
Cash Payment in Newly opened account
Cash Receipt in CCMS
Agreement for CIT Agencies
Cash remittance
Cash Balance register
Adherence to Clean Note Policy
Cash-Ultra Violet Lamp Check
Bulk cash point operations
Cash transaction above 10 lakhs (filing of returns and Obtention of letter from
parties)
Counterfeit notes – Documentation, Impounding and reporting
DD issued in Cash- Crosse ling / TD redemption/ Initial funding returned
Issuance of loose cheque
Process of handling excess / short cash – (BNA / Cash at counter/ Branch ATM)
BNA EOD
BNA fortnight verification
Process for handling late cash
Note sorting machine
UV scanning of instruments
Job rotation in Cash Desk & Access of unauthorized staff in Cash
Custody of Gold ornaments
Weighing scale certificate
Monthly verification of Gold Packets
Process of movement of Gold loan documents from branch to OCL
Strong Room
BDR
Branch keys
Fax and Email indemnities
Licenses
Periodical verification of agreements
Stamp papers
Handling of alerts by FCMC
Handling of zero balance current accounts
Handling of statutory notices
Inward Mail Register (Government Bodies)
MCS certification
Certification exception transaction in branch
BNA Keys
CCTV Coverage
Reporting/reversal/ transaction monitoring
Compliance and closure of audit reports
Custody
Access to safe custody articles
Locker Agreements
Monthly verification of Keys of vacant lockers (Quarterly verification by Branch head)
Entry in Suraksha
Locker account opened/closed register
Wait listing of lockers
Surrender of locker & refund of locker rent on prorate basis
Process for handling reserved locker
Scanning of locker agreement
Deliverable management in DLMS
Field verification in respect of deliverable handed across the counter
Dual Custody
Register maintenance, reconciliation and storage
Debit card return register
Welcome Kit return register
Destruction of Deliverables
Monthly verification of stock- Insta Kits , TCDC cards, Pins , unused DD , any other
item held in the custody of the branch
Bulk cheque issuance
Petty cash vouchers
Manual debits to income heads
Custody
Sale of Bullion and accounting thereof
Inventory ( DIS books/DRF/Re-mat request form/ Returned Welcome Kits)
Inventory verification on monthly basis
Rejected DRF
NCFM qualified staff
Unexecuted DIS
Charges pending for recovery
Customer compliant management
DRF Register
Custody
Disposal to Record Management agency
Gift Cards
Payroll Cards
LRS
Funds in SL – Retail Forex account
TCDC
Sale and purchase of TCDC/ Currency/TC
Obtention of encashment certificate
Card entry in PCS software
Refund/ Closure
Reconciliation of Machine and GL balance- Branches where Franking facility is availab
Verification of BDR in respect of Franking license
Loading and Machine upkeep & Handling of stamp papers ( Safe custody non judicial
stamp papers)
Challan Movement register and Completeness
Customer complaint and redressal mechanism
Digital Life certificates
Challan dispatch register
Process of handling error/ modification of challans
Process of handling excess pension payment
Forwarding and handling scrolls at nodal branches
Forwarding of PPOs & reporting
GBM entries and day end
Reconciliation of pool accounts
Claiming of TOC
E payments processed by the branch
Nominations for pension accounts
Facilities for the Old and disabled
Handling of TDS
Customer meeting with pensioners
Sukanya Samriddhi Scheme
Tallying of assets with FAMS
Transactions in FCRA accounts, approval from MHA
Branch General Supervision
Passbook Issuance
Family Sign up form
Scheme Code conversion
Network Room
FIR-Processing Discrepancies
OTT
ROR
Direct Import Bills (FIDB)
Export Bills (FBFP)
FIGS
Whether Packing credit is released on the basis of confirmed exported order or is
backed by LC.
Availability of ECGC cover.
Counter party indemnity is obtained
Any deviation from sanction terms in regard to Margin/ Security/ purpose / period /
beneficiary / collection of charges.
Counter party indemnity is obtained
Whether payment is made without creating overdraft / debiting suspense in
casedeferred payment guarantee.
Fax and Email indemnities
Obtention of original documents within 3 days from date of transaction
Availability of complete documentation scanned to TXBO
Maintenance of Swift outward and inward register
Skillset of the staff handing forex
Booking and cancellation of forward contracts.
Instance of booking and cancellation of forward contracts with the same counter
party within the span of couple of days.
Forwards booked on past performance basis
Margin & control return
Reports on Bills Cheque purchase if in nature of accommodation bills.
Follow up for overdue bills purchased/ discounted/ negotiated.
GL reconciliation of forex heads Intellect Swift Id of Transferred /
Endorsement of licenses
Loan against Fixed Deposits
Loan against Fixed Deposits
Staff Loans
Agri Business
Checked no issues found Not able to check due to system unavailabily
YES
offsite
YES
offsite
we don’t have access to check the same
No transaction for sept. month
YES
No transaction for sept. month
offsite
offsite
offsite
YES
No transaction for sept. month
we don’t have access to check the same
we don’t have access to check the same
YES
YES(only in vouchers part)
we don’t have access to check the same
YES
YES
YES
YES
offsite
offsite
YES
YES
we don’t have access to check the same
NA
YES
YES
YES
offsite
YES
YES
YES
YES
YES
NA
YES
YES
YES
YES
YES
NA
YES
YES
offsite
NA
YES
YES
No transaction for sept. month
YES
YES
NA
YES
YES
YES
YES
YES
YES
YES
YES
NA
No transaction for sept. month
YES
YES
YES
NA
NA
NA
NA
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
NA
YES
YES
YES
NA
NA(centralised)
YES
YES
YES
NA
NA
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
NA
YES
YES
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
YES
YES
YES
YES
YES
YES
NA
YES
YES
NA
NA
NA
NA
YES
YES
NA
YES
NA
NA
NA
YES
NA
NA
NA
NA
NA
NA
YES
yes
YES
YES
YES
YES
No transaction for sept. month
checked and no Issue found
YES
No transaction for sept. month
YES
YES
YES
YES
YES
NA
NA
YES
YES
YES
YES
NA
NA
NA
NA
YES
NA
NA
NA
NA
YES
YES
YES
NA
No transaction for sept. month
No transaction for sept. month
NA
NA
Documents not provided for verification
YES
