THE KALYAN JANATA SAHAKARI BANK LTD.

Kolsewadi Branch

Discrepancies found in Loans

Sr.No A/c Type A/c No Name Of Paty Loan Amount

1 PLLN 5141 Mr. Hake Vijay Nanasaheb 1,00,000

2 PLLN 5182 Mrs. Bhopi Dropadabai Balaram 2,00,000

3 PLLN 5237 Mr. Bhobi Shidiya Bhau 2,00,000

4 PLLN 5265 Mr. Chaturvedi Manglaprasad Mrity 2,00,000

5 PLLN 5278 Mr. Nagpure Mangesh Raghunath 1,00,000

6 PLLN 5302 Mr. Xavier Edappully 2,00,000

ARI BANK LTD.

Auditor Observation Branch Reply

Guarantor Pan card not found

Guarantor Pan card not found

Both parties Address Proof Not found

(Borrower & Guarantor)

Guarantor Pan card not found

Guarantor Address Proof Not found

Guarantor Address Proof Not found

 THE KALYAN JANTA SAHAKARI BANK LTD

ADHARWADI BRANCH

Discrepancies found in Loans

Sr. No. Ac Type Ac No Name of the Party Loan Amount

1 HYPLN 118 Ms Gajanan Construtions

2 HYPLN 109 Mr. Patil Navnath Maruti

3 HYPLN 89 Ms A To Z Glass Centre 16

4 HYPLN 105 Mr. Dalvi Gurunath Sadash

5 HYPLN 94 Mr. Dusane Chandrakant

6 HYPLN 120 Mr. Deshmukh Dinesh Shankarav

7 HYPLN 113 Mr. Deshmukh Daideep Shankar

8 HYPLN 100 Mr. Jadhav Ganesh Pandurang

9 HYPLN 102 Mr. Patil Ramdas Balkrishna

10 HYPLN 107 Mr. Jadhav Ganesh Pandurang

11 HYPLN 108 Mr. Pardeshi Sanjay Pratap

12 HYPLN 110 Mr. Sharma Ramprakash

13 HYPLN 111 Mr. Patil Premnath Parshuram

14 HYPLN 112 Mr. Ghanekar Atmaram Balaw

15 HSLN-FLX 2 Mr. Patil Suvarnasingh Sadashir 8,50,000

16 HSLN-FLX 31 Mr. Parundekar Manoj Shrik 21,00,000

17 HSLN-FLX 8 Mr. Bajpai Sanjeev Ramavta 10,50,000

18 HSLN-FLX 9 Mr. Throat Hemant Shivaji 6,50,000

19 HSLN-FLX 10 Mr. Naidu Vishal Ramesh 9,40,000

20 HSLN-FLX 11 Mr. Gaur Mahendra Shivlal 8,00,000

21 HSLN-FLX 12 Mr. Throat Nagnath Mahadev 5,50,000

22 HSLN-FLX 13 Mr. Dhakne Bhagwat Shankar 15,00,000

23 HSLN-FLX 28 Mr. Bidkar Ramesh Laxman 3,50,000

24 HSLN-FLX 29 Mr. Patel Bharat N. 5,00,000

25 CDOD 29 Ms H.M. Traders _

25 CDOD 29 Ms H.M. Traders _

26 CDOD 23 Ms Arpita Traders _

CDOD 19 Ms Tregune Engineering Works _

27

28 CDOD 18 Ms Super Services _

29 CDOD 17 Ms Reliable Engineering Works _

30 CDOD 16 Ms Parth Consultants _

31 CDOD 14 Ms Matoshree Agency _

32 CDOD 12 Ms Shreyash Enterprises _

33 CDOD 4 Ms Esha Padmanabhan _

34 CDOD 2 Ms Kanak Enterprises _

34 CDOD 2 Ms Kanak Enterprises _

35 GLLN 140112 Mr. Garkal Gangadhar S. 1,42,500

36 PLLN 436 Mr. Salve Balu Vasant 50,000

37 PLLN 560 Mr. Lohar Pradip Omkar 1,00,000

38 PLLN 672 Mr. Solanki Kamal Madanlal 2,00,000

39 PLLN 1160 Mr. Salvi Taimbak Ganpat 2,00,000

40 PLLN 1191 Mr. Varma Bhaskara Ga 2,00,000

PLLN 1243 Mr. Ratnaparkhi Mahendra M. 2,00,000

41

42 PLLN 1246 Mr. Mahajan Sanjay Dattu 2,00,000

43 PLLN 1295 Mrs. Kharayat Neema 2,00,000

44 PLLN 1319 Mr. Gaikwad Mahadu Kanha 2,00,000

45 PLLN 1331 Mr. Panje Sukhdeo Dyandeo 2,00,000

46 PLLN 1345 Mr. Hatadey Ashwini Balara 2,00,000

47 PLLN 1414 Mrs. Parvati Mahadu Gaikwad 2,00,000

47 PLLN 1414 Mrs. Parvati Mahadu Gaikwad 2,00,000

48 PLLN 1421 Mr. Patil Vasudeo Krushna 2,00,000

PLLN 1426 Mrs. Ghuge Shobha Pandit 2,00,000

49
 Auditor's Observation Branch Reply

a. Borrower's name not written on "Form K"

b. Ptoto ID proof of the Guarantor not found

a. Photo ID proof of the Guarantor not found

b. Original Insurance Policy not on record

a. Borrower's name not written on "Form K"

b. Pan proof of the Organization not found

Borrower's name not written on "Form K"

a. "Letter of Lien & Set-off" not found

b. Photo ID proof of the Guarantor not found

a. 2nd guarantor's form (applicable under Sec. 49) not found

b. Original RC Book not on record
c. Original Insurance Policy not on record

a. Original RC Book not on record

b. Original Insurance Policy not on record
c. Audited Balance Sheet of the borrower not found
d. No documents of the 2nd guarantor found

a. Original RC Book not on record

b. Insurance Policy not renewed
Borrower's signature not obtained on "Form K"

a. Original RC Book not on record

b. Original Insurance Policy not on record

a. Original RC Book not on record

b. 2 photographs of the guarantor not found

a. Original RC Book not on record

b. Original Insurance Policy not on record

a. Original Insurance Policy not on record

b. Original RC Book not on record

Original Insurance Policy not on record

a. Franking of "ADV-D-15_AGREEMENT for deducting Instalments from

Salary" expired.
Date of Franking : March 12, 2009
Date of its use : November 19, 2009
b. Franking of "Agreement by Surities for deducting Instalments from Salary
or Wages" relating to both the guarantors expired.
Date of Franking : March 12, 2009
Date of its use : November 19, 2009
c. "Share Certificate" not obtained

a. NOC & Possession Letter not obtained from the Builder

b. Insurance not obtained

a. NOC not obtained from the Builder

b. "Share Certificate" not obtained
c. PDC ECS not found
d. "Letter of Lien & Set-off" not obtained
"Share Certificate" not obtained

a. Franking of "ADV-D-15_AGREEMENT for deducting Instalments from

Salary" expired.
Date of Franking : March 12, 2009
Date of its use : February 10, 2010
b. "Share Certificate" not obtained

a. Acceptance of Society regarding Bank's charge on the property not on

record
b. Franking of "ADV-D-15_AGREEMENT for deducting Instalments from
Salary" expired.
Date of Franking : March 12, 2009
Date of its use : February 18, 2010
c. Identity and Address proofs of both the Guarantors not found
d. "Share Certificate" not obtained

a. NOC not obtained from the Society

b. "Share Certificate" not obtained
c. "Letter of Guaratee" not filed

a. Franking of "ADV-D-15_AGREEMENT for deducting Instalments from

Salary" expired.
Date of Franking : March 12, 2009
Date of its use : March 5, 2010
b. Proper Identity proofs of the Guarantor not found

a. NOC not obtained from the Society

b. "Share Certificate" not obtained
c. PDC ECS not found

a. Identity and Address proofs of the Guarantor not found

b. PDC ECS not found

Franking on the "Continuing Security Letter" expired

Date of Franking : July 3, 2010
Date of its use : February 7, 2011
Franking on the "Continuing Security Letter" expired
Date of Franking : July 3, 2010
Date of its use : February 7, 2011

"Letter of Lien and Set-off" not obtained

"Letter of Lien and Set-off" not franked

Franking on the "Continuing Security Letter" expired

Date of Franking : July 3, 2010
Date of its use : January 22, 2011

a. Bank's lien not marked on 2 of the FDRs submitted to the branch

Deposit receipt no.: RPD5986158201
Deposit receipt no.: RPD5978443
b. Revenue Stamp with the owner's signature not there at the back of the
FDR
Deposit receipt no.: RPD5986158201

"Letter of Lien and Set-off" not obtained

a. Revenue Stamp with the owner's signature not there at the back of the
FDR
Deposit receipt no.: RPD5973232
b. Bank's lien not marked on all the 3 FDRs submitted to the branch
Deposit receipt no.: RPD5981671
Deposit receipt no.: RPD5981672
Deposit receipt no.: RPD5973232

a. "Letter of Lien and Set-off" not obtained

b. "Continuing Security Letter" not obtained

a. Bank's lien not marked on 1 of the FDRs submitted to the branch

Deposit receipt no.: RPD5976374

Bank's lien not marked on 2 of the FDRs submitted to the branch

Deposit receipt no.: RPD8782528037728
Deposit receipt no.: RPD8782628037727
Bank's lien not marked on 2 of the FDRs submitted to the branch
Deposit receipt no.: RPD8782528037728
Deposit receipt no.: RPD8782628037727

Borrower's name not mentioned on the "Promissory Note"

Photo ID proof of the borrower and the guarantors not found

Photo ID proof of the borrower and the guarantors not found

Photo ID proof of the borrower and the guarantors not found

1)Photo ID proof of the borrower and the guarantors not found. 2) 2

Salary slip Of Borrower not found

Photo ID proof of the borrower and the guarantors not found. Letter of
authority (Borrower) Not Duly filled.

1)Photo ID proof & of the borrower and the guarantors not found. 2)
Salary slip Of Borrower not found

Photo ID proof of the borrower and the guarantors not found

Photo ID proof of the guarantors not found

1) Photo ID proof of the guarantors not found. 2)

One guarantor Vilas Jadhav Not give any Document.

Photo ID proof of the borrower and the guarantors not found

Photo ID proof of the borrower and the guarantors not found

Franking on the "Kararpatra" expired

Franking Date :July,03,2010.
Date of it's Use: Jan,06,2011.
Franking on the "Kararpatra" expired
Franking Date :July,03,2010.
Date of it's Use: Jan,06,2011.

Photo ID proof of the borrower not found

Photo ID proof of the borrower and the guarantors not found

Balance as on 31-03-2011

_
_

_
 _

84,249.69
 84,249.69

1,13,963.60

89,071.06

15,408.48

10,44,905.39

1,07,149.52

3,68,664.96

80,561.97

8,23,120.70

7,560.78
7,560.78
 THE KALYAN JANATA SAHAKARI BANK LTD.

Netivali Branch

Discrepancies found in Loans

Sr.No A/c Type A/c No Name Of Paty Loan Amount

1 GLLN 420 Mr. Gharat Devidas Baburao 1,95,000

2 PLLN 567 Mr. Parate Pramod Ramesh 1,50,000

3 PLLN 702 Mr. Pachpor Sadashiv Ganuj 2,00,000

4 PLLN 826 Mr. Nair Rajeshwari Harida 1,20,000

5 PLLN 846 Miss. Bhandari Hema Shriram 60,000

6 PLLN 849 Mr. Harkulkar Subhash Yash 1,00,000

7 PLLN 854 Mr. kulawale Bajrang Kisan 1,25,000

8 PLLN 855 Mr. Sonone Prakash Madhav 2,00,000

9 PLLN 865 Mrs. Jagtap Alka Suresh 30,000

10 PLLN 868 Mr. Kadam Ashok Vishnu 50,000

10 PLLN 868 Mr. Kadam Ashok Vishnu 50,000

11 PLLN 886 Mr. Parad Balu Ramchandra 1,50,000

12 PLLN 906 Mr. Bhave Ravindra Vasudev 2,00,000

Aditor Observation Branch Reply

Amount not record on Demand Laon Form

Guarantor salary slip not found Case filed

Guarantor salary slip not found

Photo ID proof of the guarantors not found

1) Franking on the "Agreement of Deducting instalment from salary or wages"

expired
Date of Franking : June,21,2008
Date of its use : february,24,2009. 2)
Guarantor salary slip not found.

Letter of Authority Section 49 of Borrower is not found

LIC Policy not assigned

LIC Policy not assigned

1) Franking on the "Kararpatra" expired

Date of Franking : January,29,2009

Date of its use : August,5,2009

LIC Policy not assigned Though letter sent by bank

LIC Policy not assigned Though letter sent by bank

LIC Policy not assigned

Co-lateral Security in the sanction letter is over-writen as Rs.2,85,325/-.

it has to be corrected.
 THE KALYAN JANATA SAHAKARI BANK LTD.

SYNDICATE BRANCH

Discrepancies found in Loans

Sr. No. A/c Type A/c No Party's Name Loan Amount

1 PLLN 590 GHOPAL SACHIN RAMCHAND 50,000

2 PLLN 1103 PINJARY KALUBHAI SHEKH 1,00,000

3 PLLN 1273 KRISHNAMURTHI CHITRAVA 1,00,000

4 PLLN 1274 BELEKAR VIBHA MILIND 1,00,000

5 PLLN 1275 C. KRISHANAMOORTHY (JT) 1,00,000

6 PLLN 1466 PATIL LOKHANDYA MAHADU 2,00,000

7 PLLN 1908 CHOUHAN RAVINDRA RAGHUNATH 2,00,000

8 PLLN 1966 KHAIRNAR ASHA PRAKASH 2,00,000

9 PLLN 1929 SHINDE SHANTARAM PARSHURAM 2,00,000

AHAKARI BANK LTD.

Auditors Observations Branch Reply

3 people have signed on the same stamp

stuck on the promissory note

Pan card xerox copy of borrower as well as

his guarantor not found

2 people have signed on the same stamp

stuck on the promissory note

2 people have signed on the same stamp

stuck on the promissory note

2 people have signed on the same stamp

stuck on the promissory note

Pan card xerox copy of borrower as well as

his guarantor not found, address proof of
the guarantor not found.

Pan card xerox copy of borrower as well as

his guarantor not found, address proof of
the guarantor not found.

LIC policies not assigned

Pan card xerox copy of guarantor not found