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ANNEXURE – III
KARNATAKA GRAMEENA BANK: HEAD OFFICE: BALLARI
REGIONAL INSPECTORATES _______________
Report on Special Monitoring Exercise -An Internal Control Strengthening Measure
of Branches for the half year from: ………… to:……………
To
The Regional Manager
Regional Office: …………………
Name of the branch (DP code)
Date of visit of the branch.
Branch Manager’s Name & Designation
Holding charge since
Last inspection (RBIA) (Review period)
Inspection Gradation & Date
Category of the branch
Name of the officer conducting
inspection with staff number.
Branch/Office working presently
Designation of the officer conducting
inspection
Sl.
No AREA OF SCRUTINY OBSERVATIONS OF
INSPECTING OFFICER 1 DEPOSIT ACCOUNTS:
a. Comments on compliance of KYC/E -KYC Norms
while opening of Deposit Accounts. Monitoring of
new accounts (Details of records verified &
deviations observed)(Min 5 A/cs to be verified)
b. Comments on verification of changes in
operating instructions/ mobile number / any
other modification in the account.
(100% verification to be done)
(Detail of records verified & deviations observed)
Comments on compliance of guidelines with
regards to issuance and safe keeping of cheque
books. (Verification of cheque book issued
register and deviation observed)
(100% verification to be done)
c. Comments on compliance of guidelines /
precautions taken by the branch while issuing
withdrawal order form.
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d. HRMS Key Movement details while deputation
staff :
1) Staff details handling keys:
2) Whether updated in HRMS :
e. Branch has maintained register for issuing of
Fixed deposit receipts and updated it or not.
f. Whether branch obtains discharge /customer
signature for closure of Fixed Deposits. (Min 5 -
FD closure receipts to be verified).
g. Premature fixed deposits closure proceeds
credited to respective customer account or not,
if not whether informed to competent higher
authority / recorded properly. (Minimum 5
accounts to be verified).
h. Comments on safe keeping of undelivered Pass
Book / Cheque book.
2. CASH: Comments on
a. Comments on tallying of Physical cash with
the Cash register report Menu: HMISRPT
b. Entry to cash cabins.
c. Movement of cash is to be regulated as to meet
the average requirements.
d. Cash taken out as well as kept in the double lock
are immediately recorded in prescribed cash
registers duly signed by the persons handing over
and taking custody.
e. Cut notes/ soiled notes/ sorted notes
verification and tallying it.
f. Verification of Cash Register.
g. Whether any instance of one official holding both
the keys is noticed.
3 INSPECTION/ AUDIT/ INTERNAL CONTROLS:
a. Comment on transactions in Office Accounts
b. Outstanding entries under SA/ SL/ BA and
interest paid/ collection accounts. (No of
entries, o/s amt and reconciled up to which
date to be furnished)
c. Debits made to SA/ SL/ BA and interest paid/
collection accounts to be cross verified. (Proper
vouchers / permissions from comp etent
authority to be verified).
d. Whether Branch is using cheque for third party
transaction or not. If no, details of such
instances.
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e. Whether Branch is using cheques for fund
transfer through NEFT/ RTGS?
f. Whether Key Movement Register is updated and
signed by both key holders?
g. Whether Gold loan release Register is updated
or not?
h. Whether branch has obtained permission from
Regional Office for using debit slips for
RTGS/NEFT fund transfer in respect of illiterate
customers.
i. Whether loan documents are filled completely?
( Randomly to be checked at least 5 documents)
j. Whether pre sanction/post sanction reports are
made available with loan documents)
( Randomly to be checked at least 5 documents)
k. Whether branches submitted control return for
the loan sanction ed to regional office.
4 MANDATORY REPORTS:
a. Transaction Extract – To be taken Teller wise and
signed by both teller and Supervisor
(Minimum 5 day reports to be verified)
b. Teller Inter Branch Transaction report –
Transactions Created by our branch Teller to
Other branch accounts.
(Minimum 5 day reports to be verified)
c. Tallying of slips, slip bundle and signed by both
Officer and Manager
(Minimum 5 day reports to be verified)
d. Report on High Value Transaction (Rs 10 lac and
above of both cash and transfer types)
(Minimum 5 transactions to be cross verified with
vouchers )
e. Reports on Inter -sol Transaction
(Minimum 5 transactions to be cross verified with
vouchers)
f. Reports on unclaimed a/c’s reclaimed &
Transactions carried. (Minimum 5 transactions to be
cross verified with vouchers)
g. Report o n accounts where TOD facility granted
(100% verification to be done)
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5 STAFF MATTERS:
a. Comments on large credit / withdrawals in staff
accounts - Scrutinize transactions in staff
accounts for the past 9 months.
b. Last date of such scrutiny.
c. Instance of leave not availed by any employee
during one year
d. Details of employees working in the branch for
more than 3 years.
6 TECH BANKING:
a. Net Banking: Compliance of guidelines for
creating net banking for corporate
accounts/Individual.
b. Comment on mobile number updating in
accounts.
c. Branch has obtain ed whether request
application/Form/letter for change of registered
mobile number .
7 GENERAL MATTERS:
a. Whether Biometric login is implemented in the
branch as per extant guidelines. (Any deviation
to be reported)
b. Any instance of Password sharing noticed .
c. Any serious customer complaint.
d. Any instance of Fraud detected (if any,
inspection conducting Officer to comment on
reporting of the same as per extant guidelines).
(Inspecting Officer to verify the records, on random basis and furnish the details so
verified). Comments of the Inspection conducting Officer on any other matter
bearing on strengthening of Internal Control:
Any other remarks :
Place
Date:
Name & Signature of Branch Manager / In Charge Officer
Name & Signature of the Officer
(Conducting inspection for special monitoring exercise)
