Date: 19 February 2024

EOI for Creation of Pool of Chartered Accountant Firms to carry out Concurrent Audit of Branches/ Other units of the
Bank
Expression of Interest
Bank of Baroda invites Expression of Interest for empanelment of Chartered

Accountant firms, having office in village/ town/ city / district of Bank of Bar oda’s
identified branches/ units, for creation of pool of CA firms for carrying out Concurrent
Audit for period of -3- years from 01.04.2024 to 31.03.2027.
Date: 19th February 2024
EOI Reference: EOI: CIAD: 116/1
© Bank of Baroda. All Rights Reserved: Strictly Confidential 1

EOI for Creation of Pool of Chartered Accountant Firms to carry out Concurrent Audit of Branches/ Other units of the Bank
Key Information on the EOI Response Submission:
Expression of Interest (EOI) for Appointment of Concurrent Audit Firms for creation of Pool of
Chartered Accountant firms to carry out Concurrent Audits of Branches/CBOs/Other Units from 01-
04-2024 to 31-03-2027.
Sr. No. Particulars Timeline

1. EOI Issuance Date 19th February 2024
2. EOI Co-ordinator 1. Mr. Abhishek Kashyap
Telephone Mo. +91-9953761136
E mail ID
2. Mr. Govind Parihar
Mo. +91-9999432157
3. Mr. Gaurav Singh

Mo. +91-7291981138
E-mail ID:- [email protected]
Escalation level 1
1. Mr. Pankaj Kumar Varma
Mo. +91-7291981138
e-Mail- [email protected]
for more details visit ‘contact us’ section at

https://bobtenders.eproc.in
3. Last Date of Submission of EOI 05.00 pm 11th March 2024
Response (Closing Date) Mode:- Online on URL
4. Opening of Eligibility Cum Technical 12th March 2024 onwards
Bid Mode: Online on URL:
Note: The above dates are tentative and subject to change without any prior notice or intimation.
Applicants should check website www.bankofbaroda.in under Tender Section and
https://bobtenders.eproc.in for any changes / addendums to the above schedule and/or any other
changes to this EOI. Bank would not be responsible for any delayed/lack of update directly to the
applicant.
Steps to participate in the e -Tenders
Online viewing of Detailed Notice Inviting Tenders

 The bidders can view the Detailed Tender Notice along with the Time Schedule (Key
Dates) for all the Live Tenders released by Bank of Baroda on the home page of bank’s e -
Tendering Portal on https://bobtenders.eproc.in.
ACCESSING / PURCHASING OF BID DOCUMENTS:
 It is mandatory for all the bidders to have Class-III Digital Signature Certificate (With Both
DSC Components, i.e. Signing & Encryption) from any of the licensed Certifying Agency
under CCA, Ministry of Electronics and Information Technology, Government of Ind ia to
participate in e-tendering portal of Bank of Baroda. Bidders can see the list of licensed
CA’s from the link www.cca.gov.in C1 India Pvt. Ltd. also facilitate Class III Digital
Signature Certificate (With Both DSC Components, i.e. Signing & Encryptio n) to the
bidders. Bidder may contact C1 India Pvt. Ltd. at mobile no. +91 -8130606629 for DSC
related queries or can email at [email protected]

 To participate in the e-bid, it is mandatory for the Applicants to get themselves registered
with Bank of Baroda e-Tendering Portal (https://bobtenders.eproc.in) to have a user ID &
Password.
 The amendments / clarifications to the tender, if any, will be posted on the Bank of Baroda
tender section and at e-Tendering Portal (https://bobtenders.eproc.in).
 The Bidder may modify or withdraw their bid after submission prior to the Bid Due Date. No
Bid shall be modified or withdrawn by the Bidder after the Bid Due Date and T ime.
 Both 'EMD' and 'Tender Document Fee', if any, are mentioned in individual tender
document published at Bank of Baroda e-Tendering Portal (https://bobtenders.eproc.in).
 For helpdesk, please contact e-Tendering Cell and Help Desk Support Monday to Friday
Ph: 0124-4302033/36/37, [email protected].
 It is highly recommended that the bidders should not to wait till the last date of bid
submission to avoid complications like internet connectivity issue, net work problems,
system crash down, power failure, browser compatibility issue, system compatibility issue,
improper digital signature certificate problem etc. In view of this context, neither Bank of
Baroda nor C1 India Pvt. Ltd will be responsible for such eventualities.

Definition of Terms used in the EOI:
Following terms are used in the document interchangeably to mean:
1. “Appointment / Assignment / Job/ Engagement” means the work to be performed by the

selected Applicant pursuant to the Contract
2. “Bank” or “BOB” means Bank of Baroda
3. “BCC” means Baroda Corporate Centre, Bandra Kurla Complex, Mumbai
4. “Day” means Business day
5. “EOI” means Expression of Interest
6. “ICAI” means Institute of Chartered Accountants of India
7. “Personnel/ Resources” means professionals and support staff provided by the selected
Applicant
8. “Proposal/ Bid/ Tender” means Response to the EOI Document
9. “RBI” means Reserve Bank of India
10. “Recipient, Respondent, Consultant and Applicant” means interested and eligible applicants
responding to this EOI for Concurrent Audit
11. “Successful/ Selected Applicant” means the applicant selected as the successful applicant by
the Bank in accordance with this EOI who is also referred to as ‘Chartered Accountant Firm /
Concurrent Audit Firm’
12. “ZIAD” means Zonal Internal Audit Divisions in all the Zones.
13. C1 India Pvt. Ltd.: Service provider to provide the e-Tendering Software.
14. Bank of Baroda e-Procurement Portal: An e-tendering portal of Bank of Baroda introduced for
the process of e-tendering which can be accessed on https://bobtenders.eproc.in
Clauses for Tenders as per the order no. 6/18/2019-PPD dated 23rd July 2020 issued by
Ministry of finance - Department of expenditure
I. Any applicant from a country which shares a land border with India will be eligible to
participate in this tender only if the applicant is registered with the Competent Authority.
II. “Applicant” (including the term ‘tenderer’, ‘consultant’ or ‘service provider’ in certain
contexts) means any person or firm or company, including any member of a consortium or
joint venture (that is an association of several persons, or firms or companies), every
artificial juridical person not falling in any of the descriptions of applicants stated
hereinbefore, including any agency branch or office controlled by such person,
participating in a procurement process.
III. “Applicant from a country which shares a land border with India” for the purpose of this
Order means :-
a. An entity incorporated, established or registered in such a country; or
b. A subsidiary of an entity incorporated, established or registered in such a country;
or
c. An entity substantially controlled through entities incorporated, established or
registered in such a country; or
d. An entity whose beneficial owner is situated in such a country; or

e. An Indian (or other) agent of such an entity; or

f. A natural person who is a citizen of such a country; or
g. A consortium or joint venture where any member of the consortium or joint
venture falls under any of the above.
IV. The beneficial owner for the purpose of (iii) above will be as under:
1. In case of a company or Limited Liability Partnership, the beneficial owner is the
natural person(s), who, whether acting alone or together, or through one or
more juridical person, has a controlling ownership interest or who exercises
control through other means.
Explanation—
a. “Controlling ownership interest” means ownership of or entitlement to more than
twenty- five per cent, of shares or capital or profits of the company;
b. “Control” shall include the right to appoint majority of the directors or to control
the management or policy decisions including by virtue of their shareholding or
management rights or shareholders agreements or voting agreements;
2. In case of a partnership firm, the beneficial owner is the natural person(s) who,
whether acting alone or together, or through one or more juridical person, has
ownership of entitlement to more than fifteen percent of capital or profits of the
partnership;
3. In case of an unincorporated association or body of individuals, the beneficial
owner is the natural person(s), who, whether acting alone or together, or through
one or more juridical person, has ownership of or entitlement to more than fifteen
percent of the property or capital or profits of such association or body of
individuals;
4. Where no natural person is identified under (1) or (2) or (3) above, the beneficial
owner is the relevant natural person who holds the position of senior managing
official;
5. In case of a trust, the identification of beneficial owner(s) shall include
identification of the author of the trust, the trustee, the beneficiaries with fifteen
percent or more interest in the trust and any other natural person exercising
ultimate effective control over the trust through a chain of control or ownership.
V. An Agent is a person employed to do any act for another, or to represent another in dealings
with third person.
VI. The successful applicant shall not be allowed to sub-contract works to any contractor from a
country which shares a land border with India unless such contractor is registered with the
Competent Authority.
Confidentiality:
This document is meant for the specific use by the Firm/ person/s interested to participate in the
EOI process. This document in its entirety is subject to Copyright Laws. Bank of Baroda expects
the Firms or any person acting on behalf of the Firms strictly adhere to the instructions given in
the document and maintain confidentiality of information. The Firms will be held responsible for
any misuse of information contained in the document, and are liable to be prosecuted by the Bank
in the event that such a circumstance is brought to the notice of the Bank. By downloading the
document, the interested party is subject to the confidentiality clauses.

CONTENTS:
Section Particulars Page No.

Reference
Section 1 Introduction and Disclaimer 8
1 Introduction 8
1.1 Information Provided 8
1.2 Disclaimer 8
1.3 Costs Borne by Respondents 8
1.4 Recipients Obligation to Inform Itself 9
1.5 Evaluation of offers 9
1.6 Errors and Omissions 9
1.7 Acceptance of Terms 9
1.8 No Legal Relationship 9
Section 2 Terms of EOI Reference 10
2.1 Registration of EOI Submission 10
2.2 EOI Validity Period 10
2.3 Late EOI Submission Policy 10
2.4 Appointment Period 10
2.5 Communication on the EOI 10
2.5.1 Seeking additional information 11
2.5.2 Grievance Redressal 11
2.6 Notification 11
2.7 Disqualification 11
2.8 Language 11
2.9 Format of bids 11
2.10 Timeframe 11
2.11 Guidelines for submission of details and E-tendering 11
2.11.1 Eligibility Criteria 13
2.12 Security Deposit 13
2.13 Remuneration 13
Section 3 Terms of Reference 15
3.1 Introduction & Overview 15
3.2 Purpose 15
3.3 Project Scope 16
Section 4 Evaluation Process 18
4.1 Preliminary Scrutiny 18
4.2 Methodology of Empanelment 18
4.3 Eligibility cum technical Proposal 21
Section 5 Terms & Conditions 21
5.1 General 21
5.1.1 General Terms 21
5.1.2 Rules for Responding to this EOI 21
5.2 Others 22
5.3 Other EOI requirement 24
5.4 Contract Commitment 25
5.5 Payment Terms 25

5.6 Sub-Contracting 26
Section 6 General Terms & Conditions 27
6.1 Dispute Resolutions 27
6.2 Governing Laws 27
6.3 Notices & other Communications 27
6.4 Force Majeure 28
6.5 Assignment 28
6.6 Waiver 28
6.7 Confidentiality 28
6.8 Termination 29
6.9 Publicity 30
6.10 Solicitation of Employees 30
6.11 Inspection of Records 31
6.12 Compliance with laws 31
6.13 Indemnity 31
6.14 Corrupt & Fraudulent Practices 32
6.15 Violation of Terms 32
6.16 Authorized Signatories 33
6.17 Service Level Agreement & Non-Disclosure Agreement 33
6.18 Right to Reject Proposals 33
6.19 Limitation of Liability 34
6.20 Insurance & Penalties 34
6.21 Penalty & Liquidation Damages 34
6.22 Abide With The Universal Human Rights And Banks 34
Code Of Ethics
Section 7 Disclaimer 34
Section – 8 : Annexures
Annexure – 1 Application for empanelment of Chartered Accountant Firms as 37
Concurrent Auditors.
Annexure – 2 Letter of Authorization to Bid 40
Annexure – 3 Eligibility Criteria 41
Annexure – 3.1 Undertaking for Technical Evaluation 45
Annexure – 4 Team Profile 47
Annexure – 5 Proposed List of Key Personnel 48
Annexure – 6 Undertaking 49
Annexure – 7 Declaration for Conformity with Hardcopy Letter 50
Annexure -8 Conformity Letter 51
Annexure 9 Audit Coverage 52
Annexure 9A Certification 72
Annexure 10 Audit Universe (List of Branches, CBO and Other units) 73
Annexure -11 Declaration/Undertaking from applicant regarding applicability of 122
restrictions on procurement from an applicant of a country
which shares a land border with India as per the order no.
6/18/2019-PPD dated 23rd July 2020 issued by Ministry of
finance department of expenditure.
Annexure 12 Draft of Integrity Pact 124

1 Introduction
1.1 Introduction and Disclaimer
This Expression of Interest (EOI) document has been prepared solely for the purpose of enabling
Bank of Baroda (“the Bank”) for creation of Pool of Chartered Accountant Firms to carry out
Concurrent Audit of Branches/CBOs/Other Units for identified Bank of Baroda Branches/ Units,
from 01-04-2024 to 31-03-2027.
The EOI document is not recommendation, offer or invitation to enter into a contract, agreement or
any other arrangement, in respect of the services. The provision of the services is subject to
observance of selection process and appropriate documentation being agreed between the Bank
and any successful Firm identified by the Bank, after completion of the selection process as
detailed in this EOI document.
The EOI document is intended solely for the information of the party to whom it is issued (“the
Recipient” or “the Respondent”) and no other person or organization.
Bank of Baroda hereby invites responses from competent and registered Chartered Accountant
Firms registered with ICAI & RBI for creation of Pool of Chartered Accountant Firms to carry out
Concurrent Audit of Branches/CBOs/Other Units for identified Bank of Baroda Branches/ Units,
from 01-04-2024 to 31-03-2027.
1.1 Information Provided
The EOI document contains statements derived from information that is believed to be true and
reliable at the date obtained but does not purport to provide all of the information that may be
necessary or desirable to enable an intending contracting party to determine whether or not to
enter into a contract or arrangement with the Bank in relation to the provision of services. Neither
the Bank nor any of its directors, officers, employees, agents, representative, contractors, or
advisors gives any representation or warranty (whether oral or written), expressed or implied as to
the accuracy, updating or completeness of any writings, information or statement given or made in
this EOI document.
1.2 Disclaimer
Subject to any law to the contrary, and to the maximum extent permitted by law, the Bank and its
directors, officers, employees, contractors, representatives, agents, and advisors disclaim all
liability from any loss, claim, expense (including, without limitation, any legal fees, costs, charges,
demands, actions, liabilities, expenses or disbursements incurred therein or incidental thereto) or
damage, (whether foreseeable or not) (“Losses”) suffered by any person acting on or refraining
from acting because of any presumptions or information (whether oral or written and whether
express or implied), including forecasts, statements, estimates, or projections contained in this
EOI document or conduct ancillary to it whether or not the losses arises in connection with any
ignorance, negligence, inattention, casualness, disregard, omission, default, lack of care,
immature information, falsification or misrepresentation on the part of the Bank or any of its
directors, officers, employees, contractors, representatives, agents, or advisors.
1.3 Costs Borne by Respondents
All costs and expenses (whether in terms of time or money) incurred by the Recipient/ Respondent
in any way associated with the development, preparation and submission of responses, including
but not limited to attendance at meetings, discussions, demonstrations, etc. and providing any
additional information required by the Bank, will be borne entirely and exclusively by the Recipient/
Respondent.

1.4 Recipient Obligation to Inform Itself
The Recipient must apply its own care and conduct its own investigation and analysis regarding
any information contained in the EOI document and the meaning and impact of that information.
1.5 Evaluation of Offers
Each Recipient acknowledges and accepts that the Bank may, in its sole and absolute discretion,
apply whatever criteria it deems appropriate, for the creation of Pool of Chartered Accountant
Firms to carry out Concurrent Audit of Branches/CBOs/Other Units for identified Bank of Baroda
Branches/ Units, from 01-04-2024 to 31-03-2027 not limited to those selection criteria set out in
this EOI document.
The issuance of EOI document is merely an invitation to offer responses to this EOI and must not
be construed as any agreement or contract or arrangement nor would it construed as any
investigation or review carried out by a Recipient. The Recipient unconditionally acknowledges by
submitting its response to this EOI document that it has not relied on any idea, information,
statement, representation, or warranty given in this EOI document.
1.6 Errors and Omissions
Each Recipient should notify the Bank of any error, fault, omission, or discrepancy found in this
EOI document but not later than last date of submission of responses to this EOI.
1.7 Acceptance of Terms
A Recipient will, by responding to the Bank’s EOI document, be deemed to have accepted the
terms as stated in this EOI document.
1.8 No Legal Relationship
No binding legal relationship shall exist between any of the Applicant and the Bank until execution
of a contract

2 Terms of the EOI Response
2.1 Registration of EOI Response
Registration of EOI response will be through https://bobtenders.eproc.in. The proposal must

contain all documents, information, and details requir ed by this EOI. If the submission to this EOI
does not include all the documents and information required or is incomplete or submission is
through e-mail, the EOI is liable to be summarily rejected.
All submissions, including any supporting documents, will become the property of the Bank. The
Recipient shall be deemed to have licensed, and granted all rights to, the Bank to reproduce the
whole or any portion of their submission for the purpose of evaluation.
2.2 EOI Validity period
EOI responses must remain valid and open for evaluation according to their terms for a period of
at least 180 days from the EOI opening date.
2.3 Late EOI Submission Policy
On-time submission of responses is strongly encouraged and recommended. However, the Bank
has no obligation to accept or act on any response received late / after due date and time. The
Bank has no liability toward any respondent who lodges a late tender submission for any reason
whatsoever.
2.4 Appointment period
Post the evaluation process, the selected firm would be initially appointed by the Bank for twelve
months and may be extended annually for further two years (maximum upto -3- years) subject to
satisfactory performance and at the sole discretion of the Bank. The appointment period will be
governed by the extant RBI guidelines in this regard. Bank reserves the right to increase/decrease
the number of auditable entities at any time.
2.5 Communication on the EOI
Recipients are required to address all communication/ clarifications/ queries if any relating to the
EOI to EOI Co-ordinator. Any changes to the EOI will be communicated as Addendum to the EOI
and will be published on the Bank’s website under Tenders section. However, the Bank will not
answer any communication initiated by the Respondents beyond the dates provided in “Key
Information on the EOI Response Submission”.
The Bank may in its absolute discretion seek, but under no obligation to seek, additional
information or material from any Respondents after the EOI closes and all such information and
material provided must be taken to form part of that Respondent’s response.
Respondents should invariably provide details of their email address as any clarifications required
by the Bank against the response to the EOI will only be communicated to the Respondent via
email. If Bank in its sole and absolute discretion deems that the originator of the query will gain an
advantage by a response to a question, then Bank reserves the right to communicate such
response to all Respondents.
The Bank may in its absolute discretion engage in discussion or negotiation with any Respondent
(or simultaneously with more than one Respondent) after the EOI closes to improve or clarify any
response.

2.5.1 Seeking additional information:
The Bank may, in its absolute discretion, seek any additional information/ clarification from any
Applicant as part of the evaluation process and all such information and material provided must be
taken to form part of that Applicant’s Response to the EOI. The Bank reserves the right to
ascertain information from the organizations with which the Respondents have rendered their
services for execution of similar projects.
2.5.2 Grievance Rederssal:
Any applicant who claims to have a grievance against a decision or action with regards to the
provisions of this EOI may file a request to the General Manager, CIAD at
[email protected]. It may please be noted that the grievance can be filed by only that
applicant who has participated in Procurement proceedings in accordance with the provisions of
this EOI. All letters must be addressed to the following:
General Manager,
Central Internal Audit Division,
Baroda Bhavan, 4 th Floor, Head Office
R.C. Dutt Road, Alkapuri, BARODA- 390007
2.6 Notification
The Bank will notify all the successful respondents in writing immediately, post completion of the
EOI Evaluation on the outcome of the process. The Bank is not obliged to provide any reasons for
any acceptance or rejection.
2.7 Disqualification
Any form of canvassing/lobbying/influence will result in disqualification at the sole discretion of the
Bank.
2.8 Language
The EOI response prepared by the Firm, as well as all correspondence and documents relating to
the EOI exchanged by the Firm and the Bank and supporting documents and printed literature
shall be in the English language only.
2.9 Formats of Bids
The Firms should use the formats prescribed by the Bank in submission of the EOI Response. The
Bank reserves the right to ascertain information from the banks and other institutions to which the
Firms have rendered their services for execution of similar assignments.
2.10 Timeframe
The timeframe has been provided at the start of this document for the overall selection process.
The Bank reserves the right to vary this timeframe at its absolute and sole discretion and without
providing any notice/intimation or reasons thereof. Changes to the timeframe will be relayed to the
affected Respondents during the process. The time schedule will be strictly followed. Intere sted
parties are expected to adhere to these timelines. However, the Bank reserves the right to change
the aforementioned timelines.
2.11 Guidelines for submission details and E-tendering
Application and other Annexures to contain the following (All the Documents should be
digitally signed by authorized representative of bidder)

Section Section Heading Proforma to be given

#
The applicant firm should be a Chartered Accountant Firm Certificate of Registration with
(Partnership Firm or Limited Liability Partnership), ICAI, Partnership Deed in
1. registered with ICAI case of Partnership Firm and
Registration Certificate of
ROC (for LLPs).
The applicant firm should be Category –I, II or III as per Latest copy of category
RBI grade as available on Website www.meficai.org suggested by RBI in the name
2. (latest). of the applicant firm. Copy of
CA Firms with RBI grading IV are not eligible to apply. MEF certificate in the name of
the applicant firm be submitted.
The applicant firm should have carried out Concurrent Letter of engagements in the
Audit of Branch of any scheduled commercial bank for at name of the applicant firm be
least -1- year during last five financial years. submitted.
3. (Note: For the purpose of eligibility criteria compliance,
‘scheduled commercial banks’ in India excludes Regional
Rural Banks, Co-operative Banks, Small Finance Banks &
Payment Banks.)
The applicant firm should have minimum of -1- CISA/ CISA/ DISA qualified CA
DISA qualified CA partners/ CA Qualified permanent staff partners and Qualified
as per ICAI certificate of Registration. Permanent staff– copy of CISA/
4.
DISA certificate along with
membership number of ICAI to
be enclosed
The applicant firm should not have been black listed/ A self-declaration by applicant
debarred by any Government Financial Institutions/ Banks/ CA firm.
5.
RBI/ ICAI/ IBA/ Government/ Semi Government
Departments/ PSUs in India/ NFRA
The applicant firm should not be owned or controlled by A self-declaration by applicant
any Director or Employee of Bank of Baroda, both present CA firm.
and those who have retired in the last two years, or by any
of their relatives. Further, the applicant firm shall not
6. engage any of the foregoing persons as partners,
employees or contractors for any work whether connected
with the “Assignment/ Job/ Engagement” nor shall they
benefit directly or indirectly from the “Assignment/ Job/
Engagement” in any manner.
As per Bank’s Policy, Tenure of External Concurrent A self-declaration by applicant
Auditor with Bank shall not be more than five years on CA firm.
continuous basis. Minimum one year cooling period will be
7. applicable for same set of Branches after completion of
three year period and also on completion of five years.
The firms which are under cooling period are not eligible to
apply.
The selected CA firm should furnish the name, A self-declaration by applicant
qualification and skill set of the persons, who shall be CA firm.
8. conducting audit in the branch, to the Bank before
commencing audit assignment and such persons will have
to continue audit for Twelve (12) months.
Selected CA firm will submit undertaking not to Sub Undertaking by applicant CA
9.
contract / sub-assign the Audit Assignment. firm.
Applicant CA firm should not have conducted Statutory A self-declaration by applicant
10. Central Audit or Statutory branch Audit of Bank of Baroda CA firm.
in current or previous financial year.
Power Point Presentation (PPT), with maximum -5- PPT Power Point Presentation
11. Slides, be submitted covering following points (PPT), with maximum -5- PPT
1) Understanding of the Scope of Audit. Slides by CA firm

Section Section Heading Proforma to be given

#
2) Technical approach & Methodology
3) Approach towards concurrent audit of the Branch / unit
using Audit Capabilities of CA partner / Audit staff,
computer literacy, tech-savviness etc. to enhance overall
audit effectiveness.
4) Experience of key personnel proposed /assigned
(based on the Curriculum Vitae of the Team leaders,
Subject Matter Experts for different facets of Banking,
resource personnel etc). Key personnel should also be
suitably qualified (CA/ CIA/ CISA/ DISA/ MBA). Proposed
Team should have experience in the areas of audit
execution for Banks in India.
Application for empanelment of Chartered Accountant Firms Annexure 1
12.
as Concurrent Auditors.
13. Letter of Authorization to Bid Annexure 2
14. Undertaking for Technical Evaluation Annexure 3.1
15. Team Profile Annexure 4
16. Proposed List of Key Personnel Annexure 5
17. Undertaking Annexure 6
18. Declaration for Conformity with Hardcopy Letter Annexure 7
19. Conformity Letter Annexure 8
20. Certification Annexure 9A
Declaration/ from applicant (applicability of restriction of Annexure 11
21.
boundaries)
22. Integrity Pact Annexure 12
2.11.1: ELIGIBILITY CRITERIA:
Only Applicants that fulfil ALL the eligibility criteria as mentioned in Annexure 3 are eligible to
participate. The applicant should submit their responses along with documentary evidence and
self-declaration, as required for the above eligibility criteria. Proposals of those applicants, who do
not fulfil any of the eligibility criteria as stated in full, will be summarily rejected. Firms fulfilling the
eligibility criteria as laid out above will proceed to the next stage of the Technical Evaluation. The
Bank’s discretion on ‘Eligibility Criteria’ is final.
Note- All the supporting documents need to be submitted/ uploaded, duly indexed /
numbered sequentially in the above order with respective eligibility criteria.
2.12 Security Deposit
Security Deposit payable by the Successful Applicant – The Selected Firm has to deposit with
the Bank an amount of Rs.50,000.00 towards security deposit for the entire period of the contract,
within 15 days from the date of communication about selection of Firm by the Bank.
2.13 Remuneration
Category of Branch as per Branch advance Fixed monthly fees per Branch / unit
Portfolio (Rs.)
Category A Branch : Rs 500 crore and above 50,000.00
Category B Branch : Rs100 crore to Rs 500 crore 45,000.00
Category C Branch : Up To Rs 100 crore 35,000.00
CBO 35,000.00
RAAC Gandhinagar 35,000.00
RLBO (Retail Liability Back Office) 35,000.00

Contact Centre 35,000.00

HRCPC 35,000.00
Head Office 35,000.00
Corporate Office 35,000.00
Samanvay Cell 35,000.00
CPPC 35,000.00
CBODPO (Demat Cell) 35,000.00
NSSC OA 35,000.00
 This excludes GST which will be payable by the Bank based on the prevailing rate. The Bank
shall not entertain any other claims over and above the fee specified in the Financial
Proposal. No additional fee will be paid by the Bank for time over run.
 The payment would be made to the Firm by the Bank in the subsequent month post conduct
of the concurrent audit as well as submission of the deliverables to the Bank.
 The fees payable to the Concurrent Auditors will be based on Category of the Branch/ Unit
as per the Categorization of branch, which is based on the advances figure as of 31.12.2023.
 The Concurrent Audit fees once fixed, shall remain the same for -12- months from the
allotment of the branch to the CA Firm.

3 Terms of Reference
3.1 Introduction and Overview
Bank of Baroda, a body corporate constituted under the Banking Companies (Acquisition &
Transfer of Undertakings) Act 1970, having its Corporate Office at C-26, G-Block, Bandra Kurla
Complex, Bandra East, Mumbai – 400051 (hereinafter referred to as the “Bank”) which expression
unless repugnant to the context or meaning thereof shall mean and include its successors and
assigns), intends to issue this bid document, hereinafter called EOI, to eligible Firms, hereafter
called as “Applicants or Firms” to participate in the competitive bidding for Appointment of
Concurrent Audit Firm to carry out Concurrent Audits of Branches/CBOs/Other Units For each
Zone of Bank of Baroda.
Bank of Baroda is one of India’s largest banks with a strong domestic presence spanning 8100 +
branches supported by self-service channels, as well as 100 + branches / offices overseas
including branches of subsidiaries, distributed spanning 22 countries. The Bank has wholly owned
subsidiaries such as BOB Financial Services and BOB Capital. Bank of Baroda also has joint
ventures for life insurance with India First Life Insurance and for asset management with Baroda
BNP Paribas Asset Management India Pvt Ltd. The Bank owns 98.57% in Nainital Bank. The
Bank has also sponsored Regional Rural Banks. The Bank also holds stake in several companies
which have been invested over the past few years.
BACKGROUND:
The Bank intends to go for this arrangement to:
1. Create a pool of Chartered accountant firms for concurrent Audit of our branches/ Units.
2. Streamline the variable quality of the work of Concurrent Auditors.
3. Scale on the part of Auditors to use technology in auditing and ensuring regulatory
compliance.
OBJECTIVES OF FLOATING EOI:
1. To improve the effectiveness of concurrent audit for detecting violations and providing early
warning signals about weaknesses and problems.
2. To keep all transactions of the branch under continuous review so as to supplement Bank’s
efforts to ensure a robust internal control system at the branch.
3. To ensure that violation, if any, in the system and procedures of the bank are brought to the
notice of the management immediately “as near thereto as possible” so that timely corrective
and remedial steps can be taken to avoid repetition.
4. To pick up and report early warning signals.
5. To report serious irregularities / fraudulent activities noticed at the branch.
6. To ensure the quality of credit portfolio with due focus on credit appraisal, sanction,
disbursement, monitoring, and recovery aspects etc.
7. Identifying system lapses, irregularities of every type, income leakage, ensuring compliance
of terms of sanction for advances, detecting frauds, pointing out symptoms of sickness in
time etc.
3.2 Purpose
The Bank, for this purpose, invites applications from competent Firms who are interested in
participating in this EOI and must fulfil the eligibility criteria mentioned under Annexure-3 and also
in a position to comply with the technical requirement mentioned and submit the required proposal
as per the EOI. Apart from the above the Firm must also agree to all our terms & conditions
mentioned under this EOI.

3.3 Project Scope
This EOI is floated for Creation of pool of Chartered Accountant Firms as concurrent Auditors of
our branches/ units from 01-04-2024 to 31-03-2027. The project scope is mentioned in Audit
Coverage (Annexure-9)
An eligible firm can apply for Concurrent Audit of Maximum -3- Districts only.
Bank of Baroda seeks to Create a of pool of Chartered Accountant Firms as concurrent Auditors of
our branches/ units from 01-04-2024 to 31-03-2027, wherein -1- branch will be allotted to a single
CA firm, however in cases where Category I, II, III CA firm is not available in a geographical area,
more than -1- branch can be allotted (upto Maximum 3). Preference may be given to the CA firms
which are in the same village, city of the Branch / unit, however, allocation of the branches / units
will be at the sole discretion of the Bank.
It is expected that the selected Firm will have necessary expertise, experience, capabilities and
knowledge in the area, which shall broadly cover the areas listed below. This listing is not
exhaustive and should be regarded as an outline only. The objective is to provide ‘ best in class’
Concurrent Audit services to the Bank. Brief roles of the selected Concurrent Auditor are
mentioned below:
 Conduct Concurrent Audit for the Bank covering branches/ operating units on daily basis as per
audit plan decided by the Bank & Certification which is mentioned in Annexure 9, 9A & 10 of
this EOI.
 Consolidation of audit findings across operating units / branches mentioned under Annexure 9,
Annexure 9A & 10 of this EOI, to identify process improvement opportunities, control and
system gaps.
 Provide suggestions addressing process improvement opportunities and controls and system
gaps to the Management.
Deliverables:
The Concurrent Auditor shall provide the following minimum deliverables as per the indicated
frequency as below.
Deliverables Audience Frequency

Daily Report (Soft Copy – Branch, Region, Zone & ZIAD Daily, by EOD of next day.
Through E Mail)
Weekly Report (Soft Copy – Branch, Region, Zone & ZIAD 1st Day of succeeding
Through E Mail) week.
Audit Reports for all the Branches Respective Branch / Auditee Monthly, By 10th of the
and other units subjected to Unit, Region, Zone & Zonal succeeding month
concurrent audit from time to time Internal Audit Division (ZIAD),
Summary of Audit report of Zonal Internal Audit Division Quarterly, By 15 th of the
Branches and other units at (ZIAD), Respective Region & succeeding month
Regional Office level Zone
Summary of Audit report of Zonal Internal Audit Division Quarterly, By 15th of the
Branches and other units at (ZIAD), Zone & CIAD succeeding month
Zonal Office level
* The Audit Firm shall follow the time norms for completing the Audit and submitting the
Audit Report to Branch / Other Unit, Controlling Office & ZIAD. If there is any delay in
submission of the report, 10% of the monthly Audit Fee will be deducted without any
further reference to the Auditor.

* Over and above this, Audit Report is required to include immediate reporting of high-risk
issues to the Bank and the corrective action initiated by the Bank in tha t regard.
* Weekly & Monthly report of Branch / Other unit to be deliberated in person with Branch
Head / In- Charge by Sr. Partner / Team Leader.
* Audit Reports to also include review of Action Taken Reports (ATR) and escalation of
delays in action taken, if any.
* The Audit firm shall submit the Concurrent Audit reports in the web based Audit Package
covering all the Audit areas as per the scope of the audit and amendments thereof advised
from time to time and ensure Quality Audit of branches.
* The audit firm shall own professional responsibility for concealment of facts / not reporting
serious irregularities or losses on account of non-reporting / non-detection of early warning
signals / frauds.
* Minor Irregularities pointed out by Concurrent Auditors are to be rectified on the spot. The
branch should ensure rectification of deficiencies without any loss of time so as to
achieve the very purpose of Concurrent Audit.
* Pending issues of previous reports shall be mentioned as persisting irregularities /

deficiencies in subsequent reports.
* Quality of Concurrent Audit is reflected in reducing number of Irregularities, absence of

persisting Irregularities as RBI envisages that Auditor should also educate staff about
hazards of deviation from System & Procedure.
* If the Concurrent Audit is effective, it should result in up gradation of the Branch in annual
inspection and / or maintaining higher level ratings obtained (Low- Medium Risk in RBIA)
* If the RBIA rating of the Branch is downgraded, the performance of the Concurrent Auditor
shall be critically examined and reviewed for deciding continuance of service or otherwise.
Attendance: Firm has to deploy, dedicated Audit Assistant for each Branch / Other Unit having
suitable qualification and adequate knowledge & experience for carrying out Concurrent Audit. The
Audit Assistant is required to visit the Branch / other unit on all working days for full day. Pro-rata
fees shall be deducted, in case Audit Assistant has not attended Branch / Other Unit for more than
-3- days during the month. Bank has right to interview the personnel, to decide to deploy for this
assignment or not. Bank shall reserve the right to seek the change of resource/ personnel at any
point of time during the engagement.
The ZIAD at any point of time is authorised to surprise check the attendance of the Audit
Assistant/ CA Partner on any working day.
Concurrent Audit Coverage – As mentioned under Annexure 9 of this EOI
Concurrent Audit Certification– As mentioned under Annexure 9 A of this EOI
List of Branches, CBOs and other units – As mentioned under Annexure 10 of this EOI

4 Evaluation process
4.1 Preliminary Scrutiny
The Bank will scrutinize the Applications/ Documents/ Annexures to the application submitted to
determine whether they are complete and as per EOI requirement, whether technical
documentation as asked for and required, to evaluate the offer has been submitted, whether the
documents have been properly signed and whether items are offered as per the EOI
requirements.
The proposals received by the Bank will be technically evaluated to arrive at the technical scoring
as per the scoring methodology specified under the TECHNICAL EVALUAT ION CRITERIA. The
Bids which are securing the technical score of 70 or more marks out of a total of 100 marks are
considered as technically qualified.
A list of the Proposed Team Leader and members to be deployed for the assignment to be
furnished with details of Name, Age, Qualifications, Experience and location in Annexure 4.
Kindly note that the team proposed will need to necessarily be made available to the Bank for
delivery assignment. The Bank shall reserve the right to seek the change of Resource personnel
in case of need. The Bank reserves the right to review the decision of appoin tment of the
Concurrent Auditor at any point of time.
4.2 Methodology of Empanelment:
1. The eligible interested LLPs / Firms shall apply online on the website i.e.,
https://www.bobtenders.eproc.in within the stipulated period.
2. The applicant should not send the hardcopy of the application / annexures to the
Bank / branches without being called for. No correspondence / communication from
the applying firms will be entertained by the Bank whatsoever. Only the a udit firm
provisionally selected for empanelment will be communicated through e -mail.
3. At the time of application the audit firm should upload the soft copy of registration
certificate issued by ICAI, proof of UCN registration issued by RBI, proof of documents in
support of their other credentials such as CISA/DISA qualification; empanelment letters
issued by banks regarding experience of audit, and others as specified under the
eligibility Criteria.
4. The applicant can opt for Districts / nearby districts where the CA Firm prefers to
Audit.
5. A unique acknowledgement number / Application reference Number for each
completed application will be generated and the same will be displayed in the website
immediately after submitting the application. This shall serve a s a future reference
number for the Bank / applicant. The applicant should take printout of the completed /
submitted application along with the acknowledgement number for reference.
6. The Branch/ Unit will be allotted based upon the, geographical location of the Branch/Unit
and the office of CA firm, Category/ Business of the Branch and the CA firm and other
criteria mentioned in point no. 8 below.
7. Mere submission of application by the audit firms for appointment as Concurrent Auditor
in Bank of Baroda shall not entitle them automatically for assignment. The
application will be processed and the applicants selected for empanelment will be
communicated in due course.
8. The appointment / allotment of branches shall be based on the availability of branches
and number of audit firms in particular area. The Bank reserves the right to appoint any
audit firm for Concurrent Audit. Category of Branch that can be allotted to a CA Firm is as
follows:-
Category I CA Firm: - Category A/B/C/D of the Branch/ Unit.
Category II CA Firm: - Category B/C/D of the Branch/ Unit.
Category III CA Firm: - Category C/D of the Branch/ Unit.
9. Based on the above, the audit firm will be provisionally selected for empanelment.

10. Bank shall communicate the provisional selection to such firms by way of email / letter
and call for hard copies of the application and letter of acceptance which are to be
received by the Bank before the specified due dates.
11. Firms which are provisionally selected for empanelment will be communicated through e-
mail and the acceptance to Bank’s offer is to be confirmed by the audit firm by way of
return e-mail within 3 days.
12. After scrutinizing the application; letter of acceptance from the firm; proof of other
credentials; Certificates, etc. the Bank shall empanel the au dit firm for Concurrent Audit
for the period from 01.04.2024 to 31.03.2027. The empanelment letter shall be subject to
correctness of the information furnished/declared in the application / annexures.
13. If the selected firm has not sent letter of acceptance duly signed by them within the due
date and other details, the provisional selection will stand automatically cancelled. No
separate intimation in this regard will be communicated.
14. In respect of firms which are not being selected, no communication will be sent by the
Bank and no correspondence will be entertained.
15. Bank may conduct a day’s workshop / handholding sessions for selected auditors
through respective Zonal Internal Audit Divisions for familiarization of our terminologies
before actual commencement of Concurrent Audit. No traveling / halting allowance or any
such allowances will be payable for attending such workshops/ handholding sessions.
16. The following set of scanned documents are to be uploaded while applying, within the
due dates as specified.
A. Self-attested Soft copies of:
a.
Copy of Partnership deed; Supplementary deed;
b.
Certificate of Registration with ICAI;
c.
Certificate issued by the Registrar of Companies (showing LLPIN).
d.
Copy of LLP Agreement signed by all the partners. (In case there is no LLP
agreement, Schedule I of the LLP Act signed by all the partners).
e. Copy of DIN/DPIN of the designated partners in case of LLP.
f. Copy of CISA / DISA, Certificate of Certified Internal Auditor, Certificate of
Concurrent Audit in Banks.
g. Copy of UCN Registration with RBI and gradation if any allotted to the Firm.
h. Copies of Letters received from Banks assigning the work of Concurrent Audit /
Statutory Audit / other audits to audit firm, as reported in the application.
i. Any other report / enclosures / evidence which audit firm has mentioned in the
application.
17. Once the documents are uploaded and application is submitted, the Bank shall scrutinize
the same and verify the correctness of application / annexures. Thereafter, the Bank shall
communicate the appointment by way of e-mail (to the email id given at the time of
application). The offer letter for empanelment / appointment is purely provisional and shall
be subject to the applicant taking up the audit assignment within the stipulated date.
18. Procedure relating to issue of Letter of Authority to enable the audit firm to verify relevant
files/records at specific branch allotted to audit firm for conducting Concurrent Audit will be
informed to audit firm separately while confirming the acceptance / appoin tment letter.
Based on the details submitted by the Firm/s, the Technical Evaluation of the eligible Firms will be
carried out as furnished below:
No. Particulars Maximum

Marks
1 Overall Profile of the firm
Presence of Head Office / Branch Office ;
1.1 1) In the same City / Town where the applied Branch / unit is situated ----- 25 25
marks

2) Other City /Town in the same “District” ----- 5 marks

Establishment of Firm : (As on date of publication of EOI as per MEF certificate)
1. -10- Years and above : 10 Marks
1.2 2. Above -5- Years and less than 10 Years : 8 Marks 10
3. Above -3- Years and less than 5 years : 5 Marks
4. Less than 3 years : 0 Marks
RBI grade as available on Website www.meficai.org / Copy of MEF certificate
latest.
Category/ Grade – I : 10 Marks
1.3 10
Category/ Grade – II : 8 Marks
Category/ Grade – III : 5 Marks
2 Past Experience / qualification

2-marks per branch per year (per Bank) for experience of Concurrent Audit of
2.1 Branches of each scheduled Commercial Bank during the last five financial 10
years.
2 Marks for each full time FCA Partner, 1.5 marks for each ACA Partner of the
2.2 firm and -01- mark for full time CA employee. (As per certificate of registration 10
with ICAI)
CISA / DISA Qualification & Certification course of ICAI by Partner / CA
employee :
a) -2- Marks to be awarded for each CISA/DISA/CAMS qualified Partner /CA
employee.
2.3 b) -1- Mark each for Certificate course on Anti Money Laundering Laws / Forex 5
& Treasury Management / Concurrent Audit of Bank / Forensic Accounting and
Fraud
detection / Internal Audit
(Partner / CA Employee as per certificate of registration with ICAI)
3 PPT (Max -5- slides) on Understanding of the scope, proposed approach &
Team Profile
PPT presentations (with maximum -5- PPT Slides) be submitted covering
following points
1) Understanding of the Scope of Audit.
3) Approach towards concurrent audit of the Branch / unit using Audit
Capabilities of CA partner / Audit staff, computer literacy, tech-savviness etc. to
30
enhance overall audit effectiveness.
4) Experience of key personnel proposed /assigned (based on the
Curriculum Vitae of the Team leaders, Subject Matter Experts for different
facets of Banking, Resource personnel etc). Key personnel should also be
suitably qualified (CA/ CIA/CISA/ DISA/ MBA). Proposed Team should have
3.1 experience in the areas of audit execution for Banks in India.
Total : 100
Note: For the purpose of evaluation, ‘scheduled commercial banks’ in India excludes
Regional Rural Banks, Co-operative Banks Small Finance Banks and Payment Banks

4.3 Eligibility cum Technical evaluation
Eligibility criteria for the applicant to qualify this stage is clearly mentioned in Annexure 3.
The Applicant would need to provide supporting documents as part of the eligibility proof. The
Technical Qualifications will also be evaluated for technical suitability.
During evaluation of the Tenders, the Bank, at its discretion, may ask the Applicant for clarification
in respect of its tender. The request for clarification and the response shall be in writing, and no
change in the substance of the tender shall be sought, offered, or permitted.
The Bank reserves the right to accept or reject any tender in whole or in parts without assigning
any reason thereof. The decision of the Bank shall be final and binding on all the Firms to this
document and the Bank will not entertain any correspondence in this regard.
5 Terms and conditions
5.1 General
5.1.1 General Terms
The Bank expects the Firm to adhere to the terms of this EOI and would not accept any deviations
to the same.
Unless expressly overridden by the specific agreement to be entered into between the Bank and
the Firm, the EOI shall be the governing document for arrangement between the Bank and the
Firm.
The Bank expects that the Firm appointed under the EOI shall have the single point responsibility
for fulfilling all obligations and providing all deliverables and services required by Bank, preferably
from a single point.
Unless agreed to specifically by the Bank in writing for any changes to the EOI issued, the Firm
responses would not be incorporated automatically in the EOI.
Only one submission of response to EOI by each Respondent will be permitted.
The bidder shall undertake to provide appropriate human as well as other resources required, to
execute the various tasks assigned as part of the project, from time to time.
5.1.2 Rules for Responding to this EOI
All responses received after the due date/time as mentioned in “Key Information on the EOI
Response Submission would be considered late and would be liable to be rejected.
All responses should be in English language. All responses by the Firm to this EOI shall be
binding on such Firm for a period of 180 days after opening of the bids.
All EOI responses would be deemed to be irrevocable offers/proposals from the Firms and may
be accepted by the Bank to form part of final contract between the Bank and the selected Firm.
Unsigned responses would be treated as incomplete and are liable to be rejected.
The bids once submitted cannot be withdrawn/ modified after the last date for submission of the
bids unless specifically permitted by the Bank.
The Firm may modify or withdraw its offer after submission, provided that, the Bank prior to the
closing date and time receives a written notice of the modification or withdrawal prescribed for
submission of offers. No offer can be modified or withdrawn by the Firm subsequent to the closing
date and time for submission of the offers.

It is mandatory to submit duly filled in details in the formats provided along with this document.
The Bank reserves the right not to allow/ permit changes in the technical requirements and not to
evaluate the offer in case of non-submission of the technical details in the required form at or
partial submission of technical details.
In case of discrepancy in soft copy and hard copy of the bids, the F irm agrees that Bank will
consider ‘ORIGINAL’ hard copy as final and it will be binding on the Firm. The Bank in this case
may also reject the offer outright.
The Firm at no point of time can excuse themselves from any claims by the Bank whatsoever for
their deviations in conforming to the terms and conditions and other schedules as mentioned in
the EOI circulated by the Bank. The Firm shall be fully responsible for deviations to the terms &
conditions etc. as proposed in the EOI.
If related parties (as defined below) submit more than one application, then both /all applications
submitted by related parties are liable to be rejected at any stage at the Bank’s discretion:
a) Bids submitted by the holding Firm and its subsidiary
b) Bids submitted by two or more Firms/ Partnership firms/ LLPs having common pa rtners
c) Bids submitted by two or more firms in the same group of promoters/ management
d) Any other bid in the sole discretion of the Bank is in the nature of multiple bids.
5.2 Others
Bank reserves the right to withdraw this EOI / cancel entire selection process at any time / stage
without assigning any reason.
Bank also reserves the right to change/add any terms and conditions of the EOI by issuing
addenda/corrigenda and putting it on its website.
If there are conflicting points in the EOI, the Bank reserves the right to take a position on the
conflicting issue which will be binding on the selected Applicant any time during the period of
contract. No appeal will be entertained.
Bank will not be obliged to meet and have discussions with any Applicant, and / or to listen to any
representations in respect of the rejection.
Responses to this EOI should not be construed as an obligation on the part of the Bank to award
a purchase contract for any services or combination of services. Failure of the Bank to s elect a
Firm shall not result in any claim whatsoever against the Bank. The Bank reserves the right to
reject any or all applications in part or in full, without assigning any reason whatsoever.
By submitting a proposal, the Firm agrees to promptly contra ct with the Bank for any work
awarded to the Firm. Failure on the part of the awarded Firm to execute a valid contract with the
Bank will relieve the Bank of any obligation to the Firm, and a different Firm may be selected
based on the selection process.
The terms and conditions as specified in the EOI and addendums (if any which will be notified on
the Bank’s corporate website (www.bankofbaroda.com) / https://bobtenders.eproc.in thereafter
are final and binding on the Firms. In the event the Firm is not willing to accept the terms and
conditions of the Bank, the Firm may be disqualified. Any additional or different terms and
conditions proposed by the Firm would be rejected unless expressly accepted by the Bank in
writing.

The selected Firm must strictly adhere to the delivery dates or lead times identified in their
proposal and as agreed by the Bank. Failure to meet these delivery dates, unless it is due to
reasons entirely attributable to the Bank, may constitute a material breach of the Firm’s
performance. In the event that the Bank is forced to cancel an awarded contract (relative to this
EOI) due to the Firm’s inability to meet the established delivery dates or any other reasons
attributing to the Firm then that Firm will be responsible to compensate for any re -procurement
costs suffered by the Bank.
The Firm represents that the annexures submitted for Technical evaluation to be submitted in
response to this EOI shall meet the proposed EOI requirement. If any services, functions or
responsibilities not specifically described in this EOI are an inherent, necessary or customary part
of the deliverables or services and are required for proper performance or provision of the
deliverables or services in accordance with this EOI, they shall be deemed to be included within
the scope of the deliverables or services, as if such services, functions or responsibilities were
specifically required and described in this EOI and shall be provided by the firm at no additional
cost to the Bank.
The Firm also acknowledges that the Bank relies on this statement of fact, therefore neither
accepting responsibility for, nor relieving the Firm of responsibility for the performance of all
provisions and terms and conditions of this EOI, the Bank expects the Firm to fulfil all the terms
and conditions of this EOI. The modifications, which are accepted by the Bank, shall form a part of
the final contract.
All terms and conditions, payments schedules, time frame for expected service levels as per this
EOI will remain unchanged unless explicitly communicated by the Bank in writing to the Firm. The
Bank shall not be responsible for any judgments made by the Firm with respect to any aspect of
the Service. The Firm shall at no point be entitled to excuse themselves from any claims by the
Bank whatsoever for their deviations in confirming to the terms and conditions, payments
schedules, expected service levels etc. as mentioned in this EOI.
The Bank and the Firm covenants and represents to the other Party the following:
a) It is duly incorporated, validly existing and in good standing under the laws of the state in
which such Party is incorporated.
b) It has the corporate power and authority to enter into Agreements and perform its obligations
there under. The execution, delivery and performance of terms and conditions under
Agreements by such Party and the performance of its obligations there under are duly
authorized and approved by all necessary action and no other action on the part of such Party
is necessary to authorize the execution, delivery and performance under an Agreement.
The execution, delivery and performance under an Agreement by such Party:
a) Will not violate or contravene any provision of its documents of incorporation;
b) Will not violate or contravene any law, statute, rule, regulation, licensing requirement, order,
writ, injunction or decree of any court, governmental instrumentality or other regulatory,
governmental or public body, agency or authority by which it is bound or by which any of its
properties or assets are bound;
c) Except to the extent that the same have been duly and properly completed or obtained, will
not require any filing with, or permit, consent or approval of or license from, or the giving of
any notice to, any court, governmental instrumentality or other regulatory, governmental or
public body, agency or authority, joint venture party, or any other entity or person whatsoever;
d) To the best of its knowledge, after reasonable investigation, no representation or warranty by

such Party in this Agreement, and no document furnished or to be furnished to the other Party
to this Agreement, or in connection herewith or with the transactions contemplated hereby,
contains or will contain any untrue or misleading statement or omits or will omit any fact

necessary to make the statements contained herein or therein, in light of the circumstances
under which made, not misleading. There have been no events or transactions, or facts or
information which has come to, or upon reasonable diligence, should have come to the
attention of such Party and which have not been disclosed herein or in a schedule hereto,
having a direct impact on the transactions contemplated hereunder.
The Firm shall undertake to provide appropriate experienced, well trained staff as well as other
resources required, to execute the various tasks assigned as part of the assignment, from time to
time.
The Bank would not assume any expenses incurred by the Firm in prepa ration of the response to
this EOI and also would not return the proposal documents to the Firms
The Bank will not bear any costs incurred by the Firm for any discussion, presentation,
demonstrations etc. on proposals or proposed contract or for any work performed in connection
therewith.
5.3 Other EOI Requirements
This EOI may undergo change by either additions or deletions or modifications before the actual
award of the contract by the Bank. The Bank also reserves the right to change any terms and
conditions including eligibility criteria of the EOI and its subsequent addendums as it deems
necessary at its sole discretion.
The Bank may revise any part of the EOI, by providing a written addendum at any stage till the
award of the contract. The Bank reserves the right to issue revisions to this EOI at any time before
the award date. The addendums, if any, shall be published on the Bank’s website only.
The Bank reserves the right to extend the dates for submission of responses to this document.
Preliminary Scrutiny – The Bank will scrutinize the applications to determine whether they are
complete, whether any errors have been made in the offer, whether required documentation has
been furnished, whether the documents have been properly signed, and whether items are quoted
as per the schedule. The Bank may, at its discretion, waive any minor non -conformity or any
minor deficiency in an application. This shall be binding on all Firms and the Bank reserves the
right for such waivers and the Bank’s decision in the matter will be final.
Alterations – The offers containing erasures or alterations will not be considered. There should
be no hand-written material, corrections or alterations in the offer. Details must be completely
filled up. Filling up of the information using terms such as “OK”, “accepted”, “noted”, “as given in
brochure / manual” is not acceptable. The Bank may treat the offers not adhering to these
guidelines as unacceptable.
Right to Alter Scope – The Bank reserves the right to alter the requirements specified in the EOI.
The Bank also reserves the right to add/ modify/ delete one or more Branch / other units from the
list of items specified as part of the requirements for the period of the contract. Further the Firm
agrees that the prices quoted by the Firm would be proportionately adjusted with such additions/
modifications/ deletions in Branch / Other units.
If the Bank is not satisfied with the specifications as specified in the EOI and observes major
deviations, the proposals of such Applicants will not be short-listed for further evaluation. No
further discussions shall be entertained with such Applicants in respect of the proposal
submission.
The Applicant shall indemnify, protect and save the Bank against all claims, losses, costs,
damages, expenses, action, suits and other proceedings, resulting from infringement of any
Patent, Trade Marks, Copyrights etc. or such other statutory infringements under all the prevailing
laws in respect of deliverables/ output/ material supplied by them to t he Bank from whatsoever

source, provided the Bank notifies the Applicant in writing as soon as practicable when the Bank
becomes aware of the claim.
The selected Applicant shall perform its obligations under this EOI as an independent contractor
to the Bank, and shall not be permitted to engage any subcontractors to perform any of the
Deliverables or Services. Neither this EOI nor the Applicant’s performance of obligations under
this EOI shall create an association, partnership, joint venture, or relationship of principal and
agent, master and servant, or employer and employee, between the Bank and the Applicant or its
employees, subcontractor; and neither Party shall have the right, power or authority (whether
expressed or implied) to enter into or assume any duty or obligation on behalf of the other Party.
The Applicant shall solely be responsible for all payments (including any statutory payments) to its
employees and shall ensure that at no time shall its employees, personnel or agents hold
themselves out as employees or agents of the Bank, nor seek to be treated as employees of the
Bank for any purpose, including claims of entitlement to fringe benefits provided by the Bank, or
for any kind of income or benefits. The Applicant alone shall file all applicable tax returns for all of
its personnel assigned hereunder in a manner consistent with its status as an independent
contractor of services; and the Applicant will make all required payments and deposits of taxes in
a timely manner.
Debarment – The detailed guidelines issued by Department of Expenditure, Ministry of Finance

vide office memorandum no. F.1/20/2018-PPD dated 02nd November 2021 w.r.t. debarment of
firms from bidding shall be followed by the Bank. However, salient features of office memorandu m
are hereunder:-
(i) An applicant shall be debarred if he has been convicted of an offence-

a) Under the Prevention of Corruption Act, 1988; or
b) the Indian Penal Code or any other law for the time being in force, for causing any loss of
life or property or causing a threat to public health as part of execution of a public
procurement contract.
(ii) An applicant debarred under sub-section (i) or any successor of the applicant shall not be
eligible to participate in a procurement process of any procuring entit y for a period not exceeding
three years commencing from the date of debarment. Department of commerce (DGS&D) will
maintain such list which will also be displayed on the website of DGS&D as well as Central Public
Procurement Portal.
(iii) A procuring entity may debar an applicant or any of its successors, from participating in any
procurement process undertaken by it, for a period not exceeding two years, if it determines that
the applicant has breached the code of integrity. The Ministry /Department will maintain such list
which will also be displayed on their website.
If the Bank is not satisfied with the specifications as specified in the EOI and observes major
deviations, the proposals of such Applicants will not be short-listed for further evaluation. No
further discussions shall be entertained with such Applicants in respect of the proposal
submission.
The Applicant shall indemnify, protect and save the Bank against all claims, losses, costs,
damages, expenses, action, suits and other proceedings, resulting from infringement of any
Patent, Trade Marks, Copyrights etc. or such other statutory infringements under all the prevailing
laws in respect of deliverables/ output/ material supplied by them to the Bank from whatsoever
source, provided the Bank notifies the Applicant in writing as soon as practicable when the Bank
becomes aware of the claim.
The selected Applicant shall perform its obligations under this EOI as an independent contractor
to the Bank, and shall not be permitted to engage any subcontractors to perform any of the
Deliverables or Services. Neither this EOI nor the Applicant’s performance of obligations under
this EOI shall create an association, partnership, joint venture, or relationship of principal and
agent, master and servant, or employer and employee, between the Bank and the Applicant or its

employees, subcontractor; and neither Party shall have the right, power or authority (whether
expressed or implied) to enter into or assume any duty or obligation on behalf of the other P arty.
The Applicant shall solely be responsible for all payments (including any statutory payments) to its
employees and shall ensure that at no time shall its employees, personnel or agents hold
themselves out as employees or agents of the Bank, nor seek to be treated as employees of the
Bank for any purpose, including claims of entitlement to fringe benefits provided by the Bank, or
for any kind of income or benefits. The Applicant alone shall file all applicable tax returns for all of
its personnel assigned hereunder in a manner consistent with its status as an independent
contractor of services; and the Applicant will make all required payments and deposits of taxes in
a timely manner
5.4 Contract Commitment
The Bank intends that the contract commitment, which is contemplated herein with the successful
Firms, shall be for a period as defined by the Bank as per the specifications contained in this EOI.
5.5 Payment Terms
The payment would be made to the Firm by the Bank in the subsequent month post conduct of
the concurrent audit as well as submission of the deliverables to the Bank.
5.6 Sub-contracting
Sub-contracting is not permitted.

6 General Terms and Conditions
6.1 Dispute Resolution
The Bank and the Firm shall make every effort to resolve amicably, by direct informal negotiation
between the respective project managers of the Bank and the Firm, any disagreement or dispute
arising between them under or in connection with the contract.
If the Bank’s project manager/ Co-ordinator and the Firm project manager/ director are unable to
resolve the dispute after thirty days from the commencement of such informal negotiations, they
shall immediately escalate the dispute to the senior authorized personnel designated by the Firm
and the Bank respectively.
If after thirty days from the commencement of such negotiations between the authorized
personnel designated by the Firm and the Bank, the Bank and the Firm have been unable to
resolve contractual dispute amicably, either party may require that the dispute be referred for
resolution through formal arbitration.
All questions, disputes or differences arising under and out of, or in connection with the contract or
carrying out of the work whether during the progress of the work or after the completion and
whether before or after the determination, abandonment or breach of the contract shall be referred
to arbitration by a sole Arbitrator appointed by the Bank. The arbitration proceedings shall be
conducted in English and a written order shall be prepared. The venue of the arbitration shall be
Mumbai. The arbitration shall be held in accordance with the Arbitration and Conciliation Act,
1996. The decision of the Arbitrator shall be final and binding upon the Parties, provided that each
Party shall at all times be entitled to obtain equitable, injunctive or similar relief from any court
having jurisdiction in order to protect its intellectual property and confidential information.
6.2 Governing Laws
The EOI and subsequent contract shall be governed and construed and enforced in accordance
with the laws of India, and both Parties shall agree that in respect of any dispute arising upon,
over or in respect of any of the terms of this Agreement, only the courts in Mumbai shall have
exclusive jurisdiction to try and adjudicate such disputes to the exclusion of all other courts.
6.3 Notices and other Communication
If a notice has to be sent to either of the parties following the signing of the contract, it has to be in
writing and shall be sent personally or by certified or registered post with acknowledgement due or
overnight courier or email duly transmitted, facsimile/fax transmission (with hard copy to follow for
email/fax), addressed to the other party at the addresses, email and fax number given in the
contract.
Notices shall be deemed given upon receipt, except that notices sent by registered post in a
correctly addressed envelope shall be deemed to be delivered within 5 wo rking days (excluding
Sundays and public holidays) after the date of mailing/ dispatch and in case the communication is
made by facsimile transmission or email, on business date immediately after the date of
successful facsimile / email transmission (that is, the sender has a hard copy of a confirmation
page evidencing that the facsimile was completed in full to the correct fax number or email sent to
correct email address) .
Any Party may change the address, email address and fax number to which notices are to be sent
to it, by providing written notice to the other Party in one of the manners provided in this section.

6.4 Force Majeure
The Firm shall not be liable for forfeiture of its performance security, liquidated damages,
penalties or termination for default, if any to the extent that its delay in performance or other failure
to perform its obligations under the contract is the result of an event of Force Majeure.
For purposes of this Clause, “Force Majeure” means an event explicitly beyond the reasonable
control of the Firm and not involving the Firm’s fault or negligence and not foreseeable. Such
events are Acts of God or of public enemy, acts of Government of India in their sovereign
capacity, strikes, political disruptions, bandhs, riots, civil commotions and acts of war.
If a Force Majeure situation arises, the Firm shall promptly notify the Bank in writing of such
conditions and the cause thereof within fifteen calendar days. Unless otherwise directed by the
Bank in writing, the Firm shall continue to perform Firm’s obligations under this Agreement as far
as is reasonably practical, and shall seek all reasonable alternative means for performance not
prevented by the Force Majeure event.
In such a case the time for performance shall be extended by a period(s) not less than duration of
such delay. If the duration of delay continues beyond a period of three months, the Bank and the
Firm shall hold consultations in an endeavour to find a solution to the problem.
6.5 Assignment
The Firm agrees that the Firm shall not be entitled to assign any or all of its rights and or
obligations under this EOI and subsequent Agreement to any entity including the Firm’s affiliate
without the prior written consent of the Bank.
If the Bank undergoes a merger, amalgamation, takeover, consolidation, reconstructi on, change
of ownership, etc., this EOI along with the subsequent Addendums published shall be considered
to be assigned to the new entity and such an act shall not affect the rights of the Firm under this
EOI.
6.6 Waiver
No failure or delay on the part of either party relating to the exercise of any right power privilege or
remedy provided under this EOI document or subsequent agreement with the other party shall
operate as a waiver of such right power privilege or remedy or as a waiver of any preceding or
succeeding breach by the other party nor shall any single or partial exercise of any right power
privilege or remedy preclude any other or further exercise of such or any other right power
privilege or remedy provided in this EOI document all of which are several and cumulative and are
not exclusive of each other or of any other rights or remedies otherwise available to either party at
law or in equity.
6.7 Confidentiality
Separate Non-Disclosure Agreement (NDA) will be signed by successful applicant.
The confidentiality obligations shall survive the expiry or termination of the agreement between
the Firm and the Bank.
The applicant acknowledges that in the course of performing the obligations under this EOI and
subsequent Agreement, it shall be exposed to or acquire information of the bank, which the
applicant shall treat as confidential.
a) All BOB’s product and process details, documents, data, applications, software, systems,
papers, statements and business / customer information which may be communic ated to or
come to the knowledge of Applicant or applicant’s employees during the course of discharging
their obligations shall be treated as absolutely confidential and Applicant irrevocably agrees

and undertakes and ensures that applicant and its employees shall keep the same secret and
confidential and not disclose the same, in whole or in part to any third party without prior
written permission of BOB. The applicant shall not use or allow to be used any information
other than as may be necessary for the due performance by Applicant of its obligations
hereunder.
b) Applicant shall not make or retain any copies or record of any Confidential Information
submitted by BOB other than as may be required for the performance of Applicant
c) Applicant shall notify BOB promptly of any unauthorized or improper use or disclosure of the
Confidential Information.
d) Applicant shall return all the Confidential Information that is in its custody, upon termination /
expiry of this Agreement. Also so far as it is practicable Applicant shall immediately expunge
any Confidential Information relating to the projects from any computer, word processor or
other device in possession or in the custody and control by Applicant or its affiliates.
e) Applicant hereby unconditionally agrees and undertakes that it and its employees shall not
disclose the terms and conditions of the Agreement/ Work Order or any other oral or written
information which may contain, hold or bear confidential information or disclose the
information submitted by BOB under any other Agreement to any third party unless such
disclosure is mandatorily required by law or if it is required necessarily to be disclosed to any
other agency/subcontractor or the like for the purpose of performing any of its obligations
under the contract.
However the Confidential Information will not be limited to the information mentioned above but
not include the following as Confidential Information:
i. Without breach of these presents, has already become or becomes and/or hereinafter
will become part of the public domain;
ii. Prior to the disclosure by BOB was known to or in the possession of the Applicant at the
time of disclosure ;
iii. Was disclosed or parted with the prior consent of BOB;
iv. Was acquired by Applicant from any third party under the conditions such that it does not
know or have reason to know that such third party acquired directly or indirectly from BOB.
 The Applicant agrees to take all necessary action to protect the Confidential Information against
misuse, loss, destruction, deletion and/or alteration. It shall neither misuse or permit misuse
directly or indirectly, nor commercially exploit the Confidential Information for economic or other
benefit.
 In any dispute over whether information or matter is Proprietary Information or not mentioned
herein, it shall be the burden of Applicant to show that such contested information or matter is
not Proprietary Information within the meaning of this Agreement, and that it does not constitute
violation under any laws for the time being enforced in India.
The confidentiality obligations shall survive the expiry or termination of the EOI / agreement
between the applicant and the Bank.
6.8 Termination
Bank reserves the right to terminate this EOI at any stage without any notice or assigni ng any
reason.
The Bank shall have the option to terminate subsequent agreement and/ or any particular order, in
whole or in part by giving Firm at least 30 days prior notice in writing. It is clarified that the Firm
shall not terminate this EOI & the subsequent Agreement for convenience.
However the Bank will be entitled to terminate any subsequent agreement, if Firm breaches any of
its obligations set forth in this EOI and any subsequent agreement and

• Such breach is not cured within fifteen (15) Days after Bank gives written notice; or
• If such breach is not of the type that could be cured within fifteen (15) Days, failure by Firm to
provide Bank, within fifteen (15) Days, with a reasonable plan to cure such breach, which is
acceptable to the Bank.
This EOI and subsequent Agreement shall be deemed to have been terminated by either Party
one day prior to the happening of the following events of default:
• The other Party becomes unable to pay its debt as they fall due or otherwise enters into any
composition or arrangement with or for the benefit of its creditors or any class thereof;
• A liquidator or a receiver is appointed over all or a substantial part of the undertaking, assets
or revenues of the other Party and such appointment continues for a period of twenty one (21)
days;
• The other Party is subject of an effective resolution for its winding up other than a voluntary
winding up for the purpose of reconstruction or amalgamation upon terms previously approved
in writing by the other Party; or
• The other Party becomes the subject of a court order for its winding up.
The Firm understands the strategic importance of this Assignment and that it would require
tremendous commitment of technical resources for the same from the Firm for the tenure of this
EOI and subsequent Agreement. The Parties therefore agree and undertake that an exit at any
point in time resulting due to expiry or termination of this EOI and subsequent Agreement for any
reason whatsoever would be a slow process over a period of three (3) months, after the
completion of the notice period of three (3) months. During this period, the Firm shall continue to
provide the Deliverables and the Services in accordance with this EOI and subsequent Agreement
and shall maintain the agreed Service levels.
Immediately upon the date of expiration or termination of the EOI and subsequent Agreement, the
Bank shall have no further obligation to pay any fees for any periods commencing on or after such
date.
Without prejudice to the rights of the Parties, upon termination or expiry of this EOI and
subsequent Agreement, the Bank shall pay to Firm, within thirty (30) days of such termination or
expiry, of the following:
• All the undisputed fees outstanding till the date of termination;
Upon the termination or expiry of this EOI and subsequent Agreement: The rights granted to the
Firm shall immediately be terminated.
• Upon the Bank’s request in writing, the Firm shall be under an obligation to transfer to the
Bank or its designee(s) the Deliverables being used by the Firm to perform the
Services free and clear of all liens, security interests, or other encumbrances at a value
calculated as stated.
6.9 Publicity
Any publicity by the Firm in which the name of the Bank is to be used should be done only with
the explicit written permission of the Bank.
6.10 Solicitation of Employees
The Firm during the term of the contract shall not without the express written consent of the Bank,
directly or indirectly: a) recruit, hire, appoint or engage or attempt to recruit, hire, appoint or
engage or discuss employment with or otherwise utilize the services of any person who has been
an employee or associate or engaged in any capacity, by the Bank in rendering services in

relation to the contract; or b) induce any person who shall have been an employee or associate of
the Bank at any time to terminate his/ her relationship with the Bank.
6.11 Inspection of Records
All Firm records with respect to any matters covered by this EOI shall be made available to
auditors and or inspecting officials of the Bank and/or Reserve Bank of India and/or any regulatory
authority, at any time during normal business hours, as often as the Bank deems necessary, to
audit, examine, and make excerpts or transcripts of all relevant data. The said re cords are subject
to examination accordingly.
6.12 Compliance with Laws
The Firm shall undertake to observe, adhere to, abide by, comply with and notify the Bank about
all the prevailing laws in force or as are or as made applicable in future, pertainin g to or applicable
to them, their business, their employees or their obligations towards them and all purposes of this
EOI and shall indemnify, keep indemnified, hold harmless, defend and protect the Bank and its
employees/ officers/ staff/ personnel/ representatives/ agents from any failure or omission on its
part to do so and against all claims or demands of liability and all consequences that may occur or
arise for any default or failure on its part to conform or comply with the above and all other
statutory obligations arising there from. Compliance with all applicable laws shall be limited to
laws which are directly/ indirectly affecting Bank’s business due to the services provided as part of
this EOI. However statutory compliance for providing the service mentioned in the EOI needs to
be carried out by the Firm.
The Firm shall promptly and timely obtain all such consents, permissions, approvals, licenses,
etc., as may be necessary or required for any of the purposes of this assignment or for the con
duct of their own business under any applicable Law, the Government Regulation/Guidelines and
shall keep the same valid and in force during the term of the assignment, and in the event of any
failure or omission to do so, shall indemnify, keep indemnified, h old harmless, defend, protect and
fully compensate the Bank and its employees/ officers/ staff/ personnel/ representatives/agents
from and against all claims or demands of liability and all consequences that may occur or arise
for any default or failure on its part to conform or comply with the above and all other statutory
obligations arising there from and the Bank will give notice of any such claim or demand of liability
within reasonable time to the Firm.
The Firm is not absolved from its responsibility of complying with the statutory obligations as
specified above. Indemnity shall exclude indirect, consequential and incidental damages.
6.13 Indemnity
The Firm shall indemnify the Bank, and shall always keep indemnified and hold the Bank, its
employees, personnel, officers, directors, (hereinafter collectively referred to as “Personnel”)
harmless from and against any and all losses, liabilities, claims, actions, costs and expenses
(including attorneys’ fees) relating to, resulting directly or indirect ly from or in any way arising out
of any claim, suit or proceeding brought against the Bank as a result of:
• The Bank’s authorized / bona fide use of the Deliverables and /or the Services provided by the
Firm under this EOI; and/or
• an act or omission of the Firm and/or its employees, in performance of the obligations under
this EOI; and/or
• Claims made by employees who are deployed by the Firm, against the Bank; and/or claims
arising out of employment, non-payment of remuneration and non-provision of statutory benefits
by the Firm to its employees. and / or

• Breach of any of the term of this EOI or breach of any representation or false representation
or inaccurate statement or assurance or covenant or warranty of the Firm under this EOI;
and/or
• Any or all Deliverables or Services infringing any patent, trademarks, copyrights or such other
Intellectual Property Rights; and/or
• Breach of confidentiality obligations of the Firm contained in this EOI; and/or
• Negligence or gross misconduct attributable to the F irm or its employees.
Indemnity would cover damages, loss or liabilities actually suffered by the Bank arising out of
claims made by customer and / or regulatory authorities for reasons attributable to breach of
obligations under this EOI and subsequent agreement by the Firm which is limited to the contract
value /total fee quote.
In the event of applicant not fulfilling its obligations under this clause within the period specified in
the notice issued by the BOB, Bank has the right to recover the amounts due to it under this
provision from any amount payable to the successful applicant under this project.
The indemnities under this clause are in addition to and without prejudice to the indemnities given
elsewhere in this EOI / subsequent agreement.
6.14 Corrupt and Fraudulent Practices
As per Central Vigilance Commission (CVC) directives, it is required that Firms observe the
highest standard of ethics during the procurement and execution of such contracts in pursuance
of this policy:
• “Corrupt Practice” means the offering, giving, receiving or soliciting of anything of values to
influence the action of an official in the procurement process or in contract execution AND
• “Fraudulent Practice” means a misrepresentation of facts in order to influence a p rocurement

process or the execution of contract to the detriment of the Bank and includes collusive
practice among Firms (prior to or after response submission) at artificial non-competitive
levels and to deprive the Bank of the benefits of free and open competition.
The Bank reserves the right to reject a proposal for award if it determines that t he Firm
recommended for award has engaged in corrupt or fraudulent practices in competing for the
contract in question.
The Bank reserves the right to declare a Firm ineligible, either indefinitely or for a stated period of
time as per the Bank’s discretion, to be awarded a contract if at any time it determines that the
Firm has engaged in corrupt or fraudulent practices in competing for or in executing the contr act.
The Applicants responding to this EOI need to sign the Integrity Pact (IP) as per attached
Annexure -12 which will be also signed by Banks representative.
BOB has appointed Independent External Monitors (IEM) (hereinafter referred to as Monitors) for
Integrity Pact in consultation with the Central Vigilance Commission. Name: Shri. Harishwar Dayal
(email id: [email protected]) appointed competent and credible Independent External Monitor
for this Integrity Pact after approval by Central Vigilance Commission. The task of the Monitor is to
review independently and objectively, whether and to what extent the parties comply with the
obligations under the Integrity Pact.
Abide with the universal human rights and banks Code of Ethics-
Successful Vendor/Service Provider/Supplier/ Consultant/Contractor, who will be selected
according to the service/work/project for which the proposal or quotation is invited shall comply

with the Bank’s Code of Ethics which is available on the Bank’s website>Shareholder’s Corner>
Policies/Codes> Our Code of Ethics.
The successful bidder shall comply ESG, BRSR and other related parameters including the
Declaration of Human Rights, Inclusive of those in the International Bill of Righ ts and Declaration
of Fundamental Rights at work (1998) as per the International Labour Organization as well as the
United Nations Guiding Principles on Business and Human Rights and the National Guidelines on
Responsible Business Conduct
6.15 Violation of Terms
The Bank shall be entitled to an injunction, restraining order, right for recovery, suit for specific
performance or such other equitable relief as a court of competent jurisdiction may deem
necessary or appropriate to restrain the Firm from com mitting any violation or enforce the
performance of the covenants, obligations and representations contained in this EOI. These
injunctive remedies are cumulative and are in addition to any other rights and remedies the Bank
may have at law or in equity, including without limitation a right for recovery of any amounts and
related costs and a right for damages.
6.16 Authorized Signatory
The selected Firm shall indicate the authorized signatories who can discuss and correspond with
the Bank, with regard to the obligations under the contract. The selected Firm shall submit, at the
time of signing the contract, a letter signed by all the partners, authorizing an official or officials of
the Firm or a Power of Attorney copy to discuss, sign agreements/contracts with the Bank. The
Firms shall furnish proof of signature identification for above purposes as required by the Bank.
6.17 Service Level Agreement & Non-Disclosure Agreement
The selected Firm shall execute a Non-Disclosure Agreement (NDA) and Service level agreement
(SLA). The selected Firm shall execute the NDA & SLA within -15- days from the date of
acceptance of letter of appointment.
6.18 Right to Reject Proposals
The Bank reserves the absolute and unconditional right to reject the response to th is EOI if it is
not in accordance with its requirements and no correspondence will be entertained by the Bank in
the matter. Proposals received from Respondents are liable to be rejected if:
• It is not in conformity with the instructions mentioned in the EOI document.

• It is not properly or duly signed.
• It is received through e mail / fax.
• It is received after expiry of the due date and time.
• It is incomplete including non- furnishing the required documents.
• It is evasive or contains incorrect information.
• There is canvassing of any kind.
• It is submitted anywhere other than the place mentioned in the EOI.

6.19 Limitation of Liability
1. The Firm’s aggregate liability, in connection with obligations undertaken as a part of this
Assignment, whether arising under this assignment regardless of the form or nature of the
action giving rise to such liability (whether in contract, tort or otherwise), other than the
circumstances mentioned in the Para 2 of this clause, shall be limited to the total contract value
/ total fee quote.
2. The Firm’s liability in case of claims against the Bank resulting from its wilful misconduct or
gross negligence, or loss suffered by Bank due to damage to real or tangible or intangible
property by Service Provider, its employees and/ or subcontractors or loss suffered by Bank,
due to infringement of patents, trademarks, copyrights or such other Intellectual Property
Rights or breach of confidentiality obligations committed by the Firm shall be actual.
3. Under no circumstances, Bank shall be liable to the Firm for direct, indirect, incidental,
consequential, special or exemplary damages arising from termination of this Agreement, even
if Bank has been advised of the possibility of such damages.
6.20 Insurance & Penalties
The Firm should obtain Professional Liability Insurance to cover the risk of errors, omissions
and/or negligence in conducting the concurrent audit activity. The policy should cover the total
contract value/total fee quote.
a) The Auditor / firms hall indemnify the Bank against all actions, omissions, proceedings, claims,
suits, damages, liquidated damages, consequential damages and any other expenses for
causes attributable to the Auditor / firm including any loss suffered on account of any breach
of the terms and conditions of the offer of the appointment. Firm shall be liable for the penalty
to the extent of actual loss suffered by the bank or the total professional fee payable/ total
contract value whichever is lower.
6.21 Penalty & Liquidated Damages:
a) If the selected Applicant Firm fails to complete the due performance of the contract in
accordance with the specifications and conditions agreed during the final contract
negotiation, the Bank reserves the right to recover penalty @ 10% a percentage of the
contract value for non-performance / delayed performance / for the costs in respect of the
uncovered trainings.
b) If the performance is found wanting, then the services of the Auditors shall be terminated /
blacklisted with due intimation at the discretion of the Bank and such Audit Firms shall
stand de-empanelled. This is without prejudice to referring the issues to the professional
body (ICAI and also to RBI) and also claim damages for such unsatisfactory service,
whatsoever by the firm or any of its employees.
c) The Audit Firm shall follow the time norms for completing the Audit and submitting the
Audit Report to the Branch / Region / Zone / ZIAD. If there is any delay in submission of
the report or the report is wanting in material aspect 10% of the monthly Audit Fee will be
deducted without any further reference to the Concurrent Auditor till the deficiency
continues. The decision of the Zonal Internal Audit Division (ZIAD) Heads shall be final in
this regard.
d) Firm has to deploy, dedicated Audit Assistant for each Branch / Other Unit having suitable
qualification and adequate knowledge & experience for carrying out Concurrent Audit. The
Audit Assistant is required to visit the Branch / other unit on all working days for full day.
Pro-rata fees shall be deducted, in case Audit Assistant not attended Branch / Other Unit
for more than -3- days during the month.
e) Notwithstanding what so ever stated in para above, if the selected Applicant fails to
adhere the time schedule or fails to complete the due performance of the obligations
under this EOI as per Bank’s satisfaction, then the Bank can repudiate the contract and
recover 10% of the contract value as Liquidated Damages from the selected Applicant.

f) The Penalty and Liquidated Damages as mentioned above shall be indepen dent to each
other and will be levied separately or jointly as the case may be as per discretion of the
Bank.
g) Penalty and Liquidated Damages are not applicable for reasons attributable to the Bank
and Force Majeure. However, it is the responsibility of the Applicant to prove that the
delay is attributed to the Bank or Force Majeure. The Applicant shall submit the proof
authenticated by the Applicant and Bank’s official that the delay is attributed to the Bank or
Force Majeure along with the bills requesting payment. If the delay is attributable to the
Bank, or Force Majeure, or any other circumstances beyond the control of the selected
Applicant, then the bank will extend the period of contract to the extent of delay without
charging any Penalty / Liquidated Damages
6.22 ABIDE WITH THE UNIVERSAL HUMAN RIGHTS AND BANKS CODE OF ETHICS
The successful bidder shall comply ESG, BRSR and other related parameters including the
Declaration of Human Rights, Inclusive of those in the International Bill of Rights and Declaration
of Fundamental Rights at work (1998) as per the International Labour Organization as well as the
United Nations Guiding Principles on Business and Human Rights and the National Guidelines on
Responsible Business Conduct.

7 Disclaimer
Subject to any law to the contrary, and to the maximum extent permitted by law, the Bank and its
directors, officers, employees, contractors, representatives, agents, and advisors disclaim all
liability from any loss, claim, expense (including, without limitation, any legal fees, costs, charges,
demands, actions, liabilities, expenses or disbursements incurred therein or incident al thereto) or
damage, (Whether foreseeable or not) (“Losses”) suffered by any person acting on or refraining
from acting because of any presumptions or information (whether oral or written and whether
express or implied), including forecasts, statements, estimates, or projections contained in this
EOI document or conduct ancillary to it whether or not the Losses arises in connection with any
ignorance, negligence, inattention, casualness, disregard, omission, default, lack of care,
immature information, falsification or misrepresentation on the part of the Bank or any of its
directors, officers, employees, contractors, representatives, agents, or advisors.

Annexure 1
APPLICATION FOR EMPANELMENT OF CHARTERED ACCOUNTANT FIRMS AS
CONCURRENT AUDITORS
1 Name of the Firm
2 Constitution
3 Address with PIN Code
4 Contact Nos. Mobile + Landline + Email Mobile: Landline: e-Mail:
5 Date of Establishment
6 PAN No. of the firm

(Copy to be attached)
7 Registration No. with ICAI

(copy to be attached)
8 Unique Code No. RBI

9 Firm’s RBI Category

10 Service Tax Regd. No. of the firm
11 No. of Partners & Chartered Accountants
12 Branches of C.A. firm, if any
Bank of Baroda, Central Internal Audit Division, HO, Vadodara Confidential
37 | P a g e
13 Experience of Concurrent Audit with Scheduled Name of Bank No. of years

Commercial Bank’s (Please give details with
supporting documents)
14 Additional Qualifications (i.e. CISA/DISA/Con. Audit

Course from ICAI)
(Please give details with supporting

documents)
15 Experience in specialized areas like

Treasury/FOREX/CPCs & Big Corporate
Branches (Please give details with supporting
documents)
16 Whether the CA firm has conducted Statutory Name of the Branch Year
Central Audit or Statutory branch Audit of Bank of
Baroda in current or previous financial year
17 No. of:-
FCA Partner:-
ACA Partner
CA Employee
18 Whether the applicant firm is owned or controlled by Yes/No
any Director or Employee of Bank of Baroda, both
present and those who have retired in the last two
years, or by any of their relatives.
19 Whether the Firm/ Applicant is black listed/ debarred
by any Government Financial Institutions/ Banks/
RBI/ ICAI/ IBA/ NFRA/ Government/ Semi
Government Departments/ PSUs in India
20 Name and Qualification of the person identified for
conducting the audit
21 Preferred District / Nearby District in which the
applicant prefers to audit.
22 Any other relevant data
I/We confirm that the information furnished above is true and correct and we have not been de -
panelled / Blacklisted by any organization in the past and we fulfil all the conditions of eligibility for
empanelment with BOB as a Concurrent Auditor.
38 | P a g e
I/We have read the terms and conditions stipulated for empanelment as Concurrent Auditors of
the Bank and I/We also understand that the Bank has reserved its right to accept or reject the
application without assigning any reasons. If selected for empanelment as Concurrent Auditor of
the Bank and the offer is accepted, I/We will execute Service Level Agreement with the Bank.
(Note: For the purpose of eligibility criteria, ‘scheduled commercial banks’ in India excludes
Regional Rural Banks, Co-operative Banks, Small Finance Banks & Payment Banks.)
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Annexure 2 – Letter of Authorization to Bid
Date:
To
Central Internal Audit Division

Bank of Baroda,
Baroda Bhavan, 4 th floor, Head Office
R. C. Dutt Road, Alkapuri,
Vadodara -390007
Madam/ Sir,
Sir,
SUB: Authorization Letter for submitting bid documents
This has reference to your invitation of application for Creation a pool of Chartered accountant
firms as concurrent Auditors of our Branches/ Units from 01-04-2024 to 31-03-2027, Mr /
Ms…….. is hereby authorized to submit the bid documents and to sign the contract on behalf of
our organization for all the services required by the Bank as called for vide the Bank’s invitation
of application on behalf of our organization. We confirm that the person so authorized above has
digital signatures and confirm that all the prices quoted by him shall be binding on us. He/ She is
also authorized to take decisions on behalf of the firm till the process is completed.
Certified photocopy of Power of Attorney (POA) of the person authorizing such person is duly
submitted.
We hereby extend our full guarantee and warranty as per Clauses of Contract for the goods and
services offered for supply by the Firm against Invitation of Application for creation of pool of CA
firms.
The specimen signature is attested below:
Specimen signature of the Representative
Signature of the Authorizing Authority
Name of the Authorizing Authority (Certified Xerox copy of POA of authorized Signatory/authority
is to be submitted)
Note: This letter of authority should be on the letterhead of the principal on whose behalf the
proposal is submitted and should be signed by a person competent and having the power of
attorney to bind the principal. It should be included by the Firm in its proposal
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Annexure 3- Eligibility Criteria
1. One Firm is allowed to submit preference for -3- districts/ nearby districts.
2. If one firm applies for more than -3- districts, the application of the firm will be rejected.
3. The C. A. Firms engaged for carrying out Concurrent Audit in any other Zone / Group of our
Bank and their engagement period is not coming to end on 31 -03-2024 are not eligible to
participate.
4. THE C.A Firm engaged for carrying out Concurrent Audit in any Zone/ Gro up is completing
three year period in Zone / Group as on 31-03-2024, are not eligible to apply for same
Districts.
5. As per Bank’s Policy, Tenure of External Concurrent Auditor with Bank shall not be more than
five years on continuous basis. Minimum one year cooling period will be applicable for same
set of Branches after completion of three year period and also on completion of five years.
Sl. Details Supporting Documents to be
No. submitted
1 Applicant Chartered Accountant firm / LLP is allowed to Firm Constitution Certificate issued
apply for maximum of -3- Districts where the CA firm by ICAI / downloaded from ICAI
prefers to audit. website.
Subject to the firm/LLP having their Head Office/ Branch

Office situated in the same City / Town / District where the
Branch / unit of Bank of Baroda is situated for which they
are applying for Concurrent Audit.
Bank will create pool of CA firms (City wise / District wise)

and allot Concurrent Audit to any CA firm from said pool.
Preference may be given to the CA firms which are in the

same village, city, and district of the Branch / unit,
however, allocation of the branches / units will be at the
sole discretion of the Bank.
2 The applicant firm should be a Chartered Accountant Certificate of Registration with ICAI,
Firm (Partnership Firm or Limited Liability Partnership), Partnership Deed in case of
registered with ICAI Partnership Firm and Registration
Certificate of ROC (for LLPs).
3 The applicant firm should be Category –I, II or III as per Latest copy of category suggested by
RBI grade as available on Website www.meficai.org RBI in the name of the applicant firm.
(latest). Copy of MEF certificate in the name of
CA Firms with RBI grading IV are not eligible to apply. the applicant firm be submitted.
4 The applicant firm should have carried out Concurrent Letter of engagements in the name of
Audit of Branch of any scheduled commercial bank for at the applicant firm be submitted.
least -1- year during last five financial years.
Firms who have carried out more number of Concurrent
Audits of scheduled commercial Banks, during last five
financial years will be preferred.
(Note: For the purpose of eligibility criteria compliance,

‘scheduled commercial banks’ in India excludes Regional
Rural Banks, Co-operative Banks, Small Finance Banks &
Payment Banks.)
41 | P a g e
5 The applicant firm should have minimum of -1- CISA/ DISA CISA/ DISA qualified CA partners and
qualified CA partners/ CA Qualified permanent staff as per Qualified Permanent staff– copy of
ICAI certificate of Registration. CISA/ DISA certificate along with
membership number of ICAI to be
enclosed
6 The applicant firm should not have been black listed/ A self-declaration by applicant CA firm.
debarred by any Government Financial Institutions/ Banks/
RBI/ ICAI/ IBA/ NFRA/ Government/ Semi Government
Departments/ PSUs in India
7 The applicant firm should not be owned or controlled by A self-declaration by applicant CA firm.
any Director or Employee of Bank of Baroda, both present
and those who have retired in the last two years, or by any
of their relatives. Further, the applicant firm shall not
engage any of the foregoing persons as partners,
employees or contractors for any work whether connected
with the “Assignment/ Job/ Engagement” nor shall they
benefit directly or indirectly from the “Assignment/ Job/
Engagement” in any manner.
8 As per Bank’s Policy, Tenure of External Concurrent A self-declaration by applicant CA firm.
Auditor with Bank shall not be more than five years on
continuous basis. Minimum one year cooling period will be
applicable for same set of Branches after completion of
three year period and also on completion of five years. The
firms which are under cooling period are not eligible to
apply.
9 The selected CA firm should furnish the name, qualification A self-declaration by applicant CA firm.
and skill set of the persons, who shall be conducting audit
in the branch, to the Bank before commencing audit
assignment and such persons will have to continue audit
for Twelve (12) months.
10 Selected CA firm will submit undertaking not to Sub Undertaking by applicant CA firm.
contract / sub-assign the Audit Assignment.
11 Applicant CA firm should not have conducted Statutory A self-declaration by applicant CA firm.
Central Audit or Statutory branch Audit of Bank of Baroda
in current or previous financial year.
12 Power Point Presentation (PPT), with maximum -5- PPT Power Point Presentation (PPT), with
Slides, be submitted covering following points maximum -5- PPT Slides by CA firm
1) Understanding of the Scope of Audit.
3) Approach towards concurrent audit of the Branch / unit
using Audit Capabilities of CA partner / Audit staff,
computer literacy, tech-savviness etc. to enhance overall
audit effectiveness.
4) Experience of key personnel proposed /assigned
(based on the Curriculum Vitae of the Team leaders,
Subject Matter Experts for different facets of Banking,
resource personnel etc). Key personnel should also be
suitably qualified (CA/ CIA/ CISA/ DISA/ MBA). Proposed
Team should have experience in the areas of audit
execution for Banks in India.
General Conditions
1 The allocation of branches to the selected CA firm will be initially for one year, with quart erly review
of performance and may be extended annually for further two years (i.e. for total maximum period
of -3- years) on existing terms / conditions and payment terms subject to satisfactory performance
42 | P a g e
review and at the sole discretion of the Bank.
Concurrent Audit assignment may be terminated even before the expiry of the term of assignment
by giving one month notice in advance.
2 Incomplete Applications or Applications without requisite enclosures will not be entertained.

3 Only those applications which are submitted online, on the portal developed for this purpose, will
be considered. Hard copies received through Post/ Courier / by Hand delivery or through email will
not be entertained.
*Zone means:
 Ahmedabad Zone: Ahmedabad- I Region, Ahmedabad - Iii Region, Anand Region, Kheda
Region, Ahmedabad - Ii Region, Banas Kantha Region, Gandhinagar Region, Mehsana
Region, Sabarkantha Region, Branch / Other Units Under Zone.
 Baroda Zone : Baroda City Region, Baroda City - Ii Region, Baroda District Region,
Bharuch Region, Godhra Region, Godhra - Ii Region, Navsari Region, Surat City Region,
Surat District Region, Surat City - Ii Region, Valsad Region, Branch / Other Units Under
Zone & Centralized Units / Offices Under Zone.
 Bengaluru Zone: Bengaluru Central Region, Bengaluru North Region, Bengaluru Rural
Region, Bengaluru South Region, Mandya Region, Mysuru Region, Branch / Other Units
Under Zone.
 Bhopal Zone: Bhopal Region, Bilaspur Region, Dhamtari Region, Durg Region, Indore
Region, Jabalpur Region, Raipur Region, Ratlam Region, Sagar Region, Branch / Other
Units Under Zone.
 Chandigarh Zone: Amritsar Region, Chandigarh Region, Hissar Region, Jalandhar Region,
Karnal Region, Ludhiana Region, Shimla Region/ Units Under The Zone
 Chennai Zone: Chennai Metro Region, Chennai Rural Region, Coimbatore Region,
Madurai Region, Puducherry Region, Tiruchirapalli Region, Branch / Other Units Under
Zone.
 Ernakulam Zone: Calicutt Region, Ernakulam Region, Thrissur Region, Trivandrum Region
Branch / Other Units Under The Zone
 Hyderabad Zone: Guntur Region, Hyderabad Metro Region, Rajahmundry Region,

Telangana North Region, Telangana South Region, Tirupathi Region, Vijaywada Region,
Vishakhapatnam Region Branch / Other Units Under Zone.
 Jaipur Zone : Ajmer Region, Alwar Region, Banswara Region, Bharatpur Region, Bhilwara
Region, Bikaner Region, Jaipur Region, Jhunjhunu Region, Jodhpur Region, Kota Region,
Sawai Madhopur Region, Udaipur Region, Branch / Other Units Under Zone.
 Kolkata Zone : Burdwan Region, Greater Kolkata Region, Guwahati Region, Jorhat Region,
Kolkata Metro -2 Region, Kolkata Metro Region, Siliguri Region, Branch / Other Units Under
Zone (West Bengal, Meghalaya, Assam, Nagaland, Manipur, Tripura, Mizoram, Arunachal
Pradesh, Sikkim)
 Lucknow Zone : Ambedkar Nagar Region, Ayodhya Region, Fatehpur Region, Gorakhpur
Region, Kanpur Dehat Region, Kanpur Metro Region, Lucknow District Region, Lucknow
43 | P a g e
Metro Region, Prayagraj - Ii Region, Prayagraj Region, Rae Bareli Region, Sultanpur
Region, Varanasi - Ii Region, Varanasi Region, Branch / Other Units Under Zone.
 Mangaluru Zone : Gulbarga Region, Hassan Region, Hubballi Region, Mangaluru City
Region, Mangaluru District Region, Udupi - Ii Region, Udupi Region, Branch / Other Units
Under
 Meerut Zone : Agra Region, Aligarh Region, Bareilly City Region, Bareilly District Region,
Dehradun Region, Haldwani - Ii Region, Haldwani Region, Meerut Region, Moradabad
Region, Shahjahanpur Region, Branch / Other Units Under Zone.
 Mumbai Zone: Mumbai Metro Central Region, Mumbai Metro East Region, Mumbai Metro
West Region, Mumbai Metro North Region, Mumbai Metro South Region, Navi Mumbai
Region, Branch / Other Units Under Zone, Branch / Other Units Under Zone.
 New Delhi Zone : East Delhi Region, Gurgaon Region, Noida Region, North Delhi Region,
South Delhi Region, West Delhi Region, Branch / Other Units Under Zone.
 Patna Zone : Bhubaneswar Region, Cuttack Region, Gaya Region, Jamshedpur Region,
Muzaffarpur - Ii Region, Muzaffarpur Region, Patna Region, Purnea Region, Ranchi
Region, Sambalpur Region, Branch / Other Units Under Zone ( Bihar, Jharkhand, Odisha)
 Pune Zone Group I : Panaji Region, Pune City Region, Pune District Region, Solapur
Region, Amravati Region, Aurangabad Region, Jalgaon Region, Kolhapur Region, Nagpur
Region, Nashik Region, Branch / Other Units Under Zone.
 Rajkot Zone: Bhavnagar Region, Bhuj Region, Jamnagar Region, Junagadh Region,
Rajkot Region, Surendranagar Region, Branch / Other Units Under Zone.
44 | P a g e
Annexure 3.1 Undertaking for Technical Evaluation
Date:
To

Bank of Baroda,
Vadodara -390007
Madam/ Sir,
Sub: Undertaking for Technical Evaluation
Having examined the above document, including all Annexure, the undersigned submit following
information and supporting document for technical evaluation.
1. Profile (As per certificate of registration with ICAI)

No of Partners
No of Full-time Employees (Qualified CA)
No of Part-time Employees
No of CISA / DISA certified Partner / Full time qualified
employees
Certificate of registration with ICAI & CISA / DISA Certificates of Partners / Full time qualified
employees are attached herewith.
2. Experience – Concurrent Branch Audit (Last Five Years) of Schedule Commercial

Bank
Sr. No. Bank & Branch From – To Date
1.
2.
3.
4.
5.
6.
7.
8.
Engagement letter received from Bank for Concurrent Audit during last five years is attached
herewith.
3. Experience – SBA (Last Five Years) of Schedule Commercial Bank

Sr. No. Bank & Branch From – To Date
1.
2.
3.
4.
5.
Engagement letter received from Bank for assignment of Statutory Branch Audit during last five
years is attached herewith.
45 | P a g e
4. Experience – SCA (Last Five Years) of Schedule Commercial Bank

Sr. Bank From – To Date
No.
1.
2.
3.
Engagement letter received from Bank & Signed copy of Balance sheet on year end is attached
herewith.
Signature of the Authorized Signatory

Name:
Designation:
Name of the Firm:
Address:
46 | P a g e
Annexure 4 – Team Profile
Profile of Proposed Team Leader and team members
Name
Present Designation
Qualifications
Nationality
Present Location
Total Work experience
Language proficiency
Areas of expertise relevant to the EOI
Role in the proposed assignment
Tasks assigned
We hereby acknowledge that the information provided by us is true and to the best of our
knowledge.
Name:
Designation:
Name of the Firm:
Address:
In each of the scope listed, if more than one professional is available then the indicative profile of
each of such professional should be furnished.
47 | P a g e
Annexure 5 – Proposed List of Key Personnel
The list should include the team leader and key team members with their proposed role in the
assignment
Sr. Name Age Qualification Present Experience Proposed role in

No. Location relevant to EOI the Assignment
A list of key personnel to be deployed for the assignment to be furnished with details as per the
Table above.
The Bank shall reserve the right to seek the change of resource personnel in case on need.
Name:
Designation:
48 | P a g e
Annexure 6 – Undertaking
(This letter should be on the letterhead of the applicant duly signed by an authorized
signatory)
Date:
To

Bank of Baroda,
Vadodara -390007
Madam/ Sir,
Sub: Undertaking
Having examined the all Annexure and Appendices, the receipt of which is hereby duly
acknowledged, we, the undersigned offer to supply, deliver, implement and commission ALL the
terms mentioned” and the other schedules of requirements and services for Bank of Baroda in
conformity with the said document.
1) If our application is accepted, we undertake to comply with the delivery schedule as

mentioned.
2) This Bid, together with your written acceptance thereof and your notification of award, shall
constitute a binding Contract between us.
3) We certify that we have provided all the information requested by the Bank in the format
requested for. We also understand that the Bank has the exclusive right to reject this offer in case
the Bank is of the opinion that the required information is not provided or is provided in a different
format.
Dated this………………… ………………..by ……………………….20
Yours faithfully,
Name:
Designation:
Name of the Firm:
Address:
49 | P a g e
Annexure 7 – Declaration for Conformity with Hardcopy Letter
(This letter should be on the letterhead of the applicant duly signe d by an authorized
signatory)
Date:
To

Bank of Baroda,
Vadodara -390007
Madam/ Sir,
Sub: Declaration for Conformity with Hardcopy Le tter
Further to our proposal dated …………., in response to the Invitation of applications
We hereby covenant, warrant and confirm as follows:
The soft-copies of the proposal submitted by us in response to our application and the related
addendums and other documents including the changes made to the original document issued by
the Bank, conform to and are identical with the hard-copies of aforesaid proposal submitted by us,
in all respects.
Yours faithfully,
Name:
Designation:
Name of the Firm:
Address:
50 | P a g e
Annexure 8 –Conformity Letter
(This letter should be on the letterhead of the applicant duly signed by an authorized
signatory)
Date:
To

Bank of Baroda,
Vadodara -390007
Madam/ Sir,
Sub: EOI Reference No. EOI: CIAD: 116/1 Dated ………….
Further to our proposal dated ………., in response to the Expression of Interest (Bank’s tender No.
hereinafter referred to as “EOI”) issued by Bank of Baroda (“Bank”) we hereby covenant, warrant
and confirm as follows:
We hereby agree to comply with all the terms and conditions / stipulations as contained in the EOI
and the related addendums and other documents including the changes made to the original EOIs
issued by the Bank shall form a valid and binding part of the aforesaid EOI document. The Bank is
not bound by any other extraneous matters or deviations, even if mentioned by us elsewhere either
in our proposal or any subsequent deviations sought by us, whether orally or in writing, and the
Bank’s decision not to accept any such extraneous conditions and deviations will be final and
binding on us.
Yours faithfully,
Name:
Designation:
Name of the Firm:
Address:
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Annexure 9 – Audit Coverage
Minimum Areas of Coverage for Branch:
In line with objective of Concurrent Audit & principal of “detection of irregularities as near thereto
as possible”, Concurrent Auditor to verify & review all activities of Branch operation on a
continuous basis to ensure accuracy, authenticity and due compliance with the internal systems,
procedures and guidelines of the bank / other statutory and regulatory gu idelines as issued from
time to time. The Concurrent Audit should ensure coverage as per prevailing RBI guidelines
conveyed vide circular no. DBS.CO.ARS.No.BC.01/08.91.021/2019-20 dated 18-09-2019 and
advised by Bank from time to time. The broad area and scope of Audit are as under:
Minimum Areas of Coverage under Concurrent Audit (Branch)

Sr. No. Items
A Cash transactions -Verify
Surprise physical verification of cash (Piece to piece) at branch and ATM along with
(i) safekeeping and custody.
Verification of cash replenishment agency vault and agency account
(ii) Daily cash transactions, particularly any abnormal receipts & payments.
(iii) Surprise verification of cash by an officer other than the joint custodian.
(iv) To verify Surprise Cash verification done by RO/ Other branch official
Proper accounting of and availability of insurance cover for inward and outward cash
(iv)
remittances.
(v) Accounting of currency chest transactions and delays/omission in reporting to RBI.
(vi) Reporting of Counterfeit Currency.
(vii) All cash transactions of Rs. 10 lakh and above reported in CTR.
(viii) That all cash transaction of Rs. 50,000 and above invariably indicate Pan No. /Form 60.
B Clearing transactions -Verify
Reconciliation with Bank’s account at Clearing House and review of old outstanding entries
(i)
for reconciliation.
(ii) Drawings allowed against uncleared instruments - sanction by the controlling authority.
(iii) Branch is following the guidelines of Positive Pay confirmation.
C Remittances/Bills for Collection –Verify
Remittance of funds by way of DDs/TTs/MTs/TC/NEFT/RTGS any other mode in cash
(i)
exceeding the prescribed limit.
Documents of title (lorry receipts, railway receipts, etc.) obtained in favour of the bank and the
(ii)
concerned transporters are on the IBA approved list.
Outstanding balance in DP and other transit accounts pending payment beyond prescribed
(iii)
period.
D Deposits -Verify
Adherence to KYC/AML guidelines in existing accounts, opening of fresh accounts as well as
walk in customer and monitoring of transactions in such accounts including staff accounts.
(i) Compliance with Foreign Account Tax Compliance Act (FATCA) and Common Reporting
Standards (CRS) including accounts opened through TAB Banking, V-CIP Channel or by
RLBO.
Large term deposits received and repaid including checking of repayment of term deposit in
(ii)
cash beyond permissible limit.
(iii) Accounts opened and closed within a short span of time i.e., accounts with quick mortality.
(iv) Activation and operations in inoperative/Dormant accounts.
(v) Value dated transactions.
Settlement of claims of deceased customers and payment of TDRs against lost receipts and
(vi) obtention of indemnities, etc. To check revival of dormant accounts and accoun ts with
minimum activities.
(vii) Examination of multiple credits to single accounts.
(viii) Reporting of STR.
52 | P a g e
(ix) Transfer of unclaimed Deposits for 10 Years and above to RBI under DEA Fund.
(x) Monitoring of transactions in new accounts and staff accounts.
Whether additional interest rate to be paid to Senior Citizens is being paid to all the eligible
(xi)
Senior Citizens or not?
Verification of Sr. Citizen Status of customer according to their date of birth available in
(xii)
branch records and application of Sr. Citizen Interest benefit.
(xiii) Verification of Mis-match in title of account and Customer Name.
Verification of account Modification – i.e. Change of Address, bank Detail, Nomination, PAN,
(xiv)
E mail Address, mobile No. etc. done as per guidelines.
E Treasury operations –Verify
(i) If branch has acted within HO instructions for purchase and sale of securities.
(ii) Periodic confirmation of Derivative contracts with counterparties.
(iii) Adherence to regulatory guidelines with respect to Treasury deals/structured deals.
(iv) Controls around deal modification/cancellation/deletion, wherever applicable.
(v) Cancellation of forward contracts and passing/recovery of exchange gain/loss.
(vi) Gaps and OPL maintained in different currencies vis-à-vis prescribed limit for the same.
Reconciliation of Nostro and Vostro accounts-balances in Nostro accounts in different foreign
(vii)
currencies are within the limits prescribed by the bank.
(viii) Collection of underlying documents for Derivative & Forward contracts. Delays, if any.
Instances of booking and cancellation of forward contracts with the same counterparty within
(ix)
a span of couple of days or a few days.
Whether branch is doing due diligence of import documents before ma king remittances viz.,
Invoice containing payment terms and shipping terms etc.; Source of the bills, Submission of
(x)
Bill of Lading; Proper format of BoE; Credit report of overseas supplier; Any other documents
etc.
Whether Branch is doing follow up to obtain evidence of import and ascertain the age wise
status of outstanding entries. In case the bill of entry is not submitted for more than 6 months
(xi)
whether the same has been reported to DOE and proper record is being maintained by the
branch.
Whether branch ensured that the goods being imported for which advance remittance request
(xii) is received are in the line of business of the importer and verify the past record of transactions
with the same overseas supplier and permissible under trade policy
Branch is following the guidelines for newly opened current account, there will be cooling
(xiii)
period of initial six months for making advance remittance against Imports
Whether branch is vigorously follow up with the branch where evidence of import not
(xiv)
received within one month from the date of remittance,
(xv) Verification of entries in EDPMS/IDPMS
(x) Sample check some of the deals and comment on the correctness of computation.
(xi) Checking of application money, reconciliation of SGL account, compliance to RBI norms.
Checking of custody of unused BR Forms & their utilization in terms of Master Circular on
(xii) Prudential Norms on Classification, Valuation and Operations of Investment Portfolio by
banks.
To ensure that the treasury operations of the bank have been conducted in accordance with
(xiii)
the instructions issued by the RBI from time to time.
F Loans & Advances-Verify
(i) Report Bills/cheques purchased, if in the nature of accommodation bills.
(ii) Proper follow-up of overdue bills purchased/discounted/negotiated.
Fresh loans and advances (including staff advances) have been sanctioned properly and in
(iii)
accordance with delegated authority.
Reporting of instances of exceeding delegated powers to controlling/hea d office by the branch
(iv)
and have been confirmed or ratified by the competent authority.
(v) Securities and documents have been received as applicable to particular loan.
Securities have been properly charged/ registered and valued by competent person. Whether
(vi) the same has been entered in the bank’s system – Verification of correctness of Security
Values in Advance Accounts, including clean loan, entered in FINACLE.
53 | P a g e
(vii) All conditions of sanction have been complied with.

Master data relating to limit, rate of interest, EMI, moratorium period details have been
(viii)
correctly entered and updated/modified in the system.
(ix) Value dated entries passed in advances accounts.
Post disbursement supervision and follow-up is proper, such as physical verification of
securities, end use verification of funds, timely receipt of stock and book debt statements, QIS
(x) data, analysis of financial data submitted by borrower, verification of securities by third
parties, renewal of limits, insurance, monitoring of accounts with excess drawing, monitoring
of project etc.
Whether there is any mutualisation of the loans and whether there are instances indicative of
(xi)
diversion of funds.
Compliance of prudential norms on income recognition, asset classifica tion and provisioning
(xii)
pertaining to advances.
Whether monthly updating of drawing power in the computer system on the basis of stock
(xiii)
statements/book debt statement/ other financial data received from the borrowers.
Recovery in compromise cases is in accordance with the terms and conditions of the
(xiv)
compromise agreement and as per Bank’s guidelines.
Whether OTS has been done as per the agreement and as per Bank’s Guidelines, including
(xv)
those covered under special campaigns.
(xvi) To check if any Digital loan has been opened manually by the Branch.
(xvii) To check review and renewal of loans.
100 % verification of all fresh Sanctions and Review of facility during month and compliance
(xviii)
of sanction terms.
(xix) Recovery of Service Charges.
Limit Node is created in CBS in eligible cases & the Limit node is as per Sanction & all the
sanctioned facilities are reflected correctly.
 Limit Nodes have been defined for all the borrowers of the Branch in line with the
latest sanction (including those limits which have been sanctioned on standalone
basis) and sanction acceptance for the same is in place (pending disbursement).
(xx)  Every account with sanction limit (Fund Based / Non-fund based) has been linked
to respective limit id defined in the limit node.
 No Duplicate limit nodes exists for the same Borrower.
 Each limit node has the prefix as Customer ID only.
 Limits should not include Treasury, International, Retail, Bills discounting under
Bank LC, LABOD, Treds.
Random checking of accounts for CRILC reporting and verify that all the eligible accounts are
(xxi)
correctly reported in CRILIC.
(xxii) To check all the fresh Loan Account are processed through LLPS system.
G LC/BG –Verify
LC/BG issued/amended as per the approved format/model guarantee prescribed and
(i)
standard limitation clause incorporated. Whether counter indemnity obtained as prescribed.
Any deviation from the terms of sanction in regard to margin, security, purpose, period,
(ii)
beneficiary, collection of charges, commission/fee, etc.
Whether payment is made to the debit of party’s account on due date without creating
(iii)
overdraft/debiting suspense, in case of deferred payment guarantee.
Letter of Credit extended by State Government is not enough in such cases and Bank should
(iv)
try for Escrow mechanism.
Whether Government Guarantee explored in cases of lending to State Government SPV’s
(v)
and ensure that the project is economically feasible and sufficient revenue flow is there.
Branches to obtain the information on quarterly basis from borrower with regards to
(vi) monitoring of performance projects for which Bank Guarantee is issued for accounts with
aggregate exposure of Rs 10 Crores and above (Irrespective of BG Limits)
Compliance to RBI Guidelines, other Regulatory guidelines or Bank’s Internal policy
(vii)
guidelines issued from time to time.
H Foreign Exchange transactions-Verify
54 | P a g e
(i) Recovery of charges as per HO Guidelines.

(ii) Packing credit released, whether backed by LC or confirmed export order.
(iii) Availability of ECGC cover and compliance with ECGC terms.
Submission of statutory returns on export/ import transactions, like BEF statements, XOS,
(iv) write off of export bills, etc. Follow up of outstanding export bills and exchange control cop y of
bill of entry.
Irregularities in opening of new accounts and operation in NRO, FCNR, SNRR NRE, RFC,
(v)
EEFC, etc., and debits/credits entries permissible under the rules.
(vi) Whether operations in FCRA accounts are as permitted by MHA and FCRA guidelines.
(vii) Margin, Booking, utilization, extension and cancellation of forward contracts.
SWIFT Related Operational Control Measures – 100% verification of Logs generated for all
(viii) Financial and Non-Financial Messages and matching with corresponding limit set and with
entry passed in FINACLE
Verification of pre shipment & post shipment finance – compliance of sanction terms and
(ix)
condition, documentation, Period, Disbursement, Liquidation, Monitoring.
(x)
guidelines issued from time to time.
I House Keeping -Verify
(i) Exceptional transaction reports are generated and verified by branch staff as prescribed.
Review of all balance sheet heads and outstanding entries in accounts, e.g., suspense,
(ii) sundry and inter-bank accounts. Review of follow up of entries pending for reversal. Report
variance in Business figures / Instances of Window Dressing.
Scrutiny of daily vouchers with more emphasis on high value transaction including high value
(iii)
expenses and debit entries in Suspense account.
(iv) Debits in accounts where signatures are pending for scanning.
Whether records related to KYC/vouchers and other critical areas are sent to specific places
(v)
like archival centre, record room as per stipulated periodicity.
Adherence to KYC/AML guidelines in opening fresh account and subsequent modifications of
(vi)
records and monitoring of transaction.
Reconciliation of Accounts, Monitoring of General Ledger / Subsidiary General Ledger /
(vii)
Parking Account and opening of Internal Accounts etc.
J Verification of Merchant Banking Business-Verify
Whether the instructions given by the controlling branch are properly followed where the
(i)
branch acts as a collecting branch for issue business.
(ii) Whether daily collection position is advised to the controlling branch.
Whether recovery of the commission/fees and out of pocket expenses as agreed with the
(iii) respective companies and whether the competent authority has duly authorized any waiver or
reduction of such charges.
(iv) Whether the prescribed preventive vigilance measures are observed by the branch.
Where data entry or data processing work is entrusted to outside agencies, the competent
(v) authority duly approves these and the prescribed stamped indemnity has been obtained from
such agencies.
Whether dividend interest warrants/refund payment accounts of companies are funded prior
(vi)
to dispatch of the relative warrants by the companies and ther e is no misuse of the facility.
Whether Claims for reimbursement of amounts of paid warrants received from paying
(vii)
branches are processed and debited to the concerned company’s account promptly.
Whether charge on security has been created, wherever debenture trustee activity is
(viii)
undertaken by bank.
K Verification of Credit Card/Debit card/Mobile No./BOB World/Internet Banking –Verify
Application for the issue of Debit card / Credit card has been properly examined and record of
(i)
issue of the same has been maintained.
Whether overdraft/debits arising out of the use of credit cards are promptly recovered and
(ii)
informed to higher authorities.
Whether undelivered credit cards are properly kept as security items and followed up with
(iii)
credit card department for further instructions.
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Physical verification of ATM cards, debit cards, credit cards, passwords and PINS, control
(iv) over issue & delivery, safe keeping and custody at all the locations. Report loss of any such
items.
Application/consent form for change of mobile no, activation/deactivation of BOB
(V) World, Internet Banking and other alternate delivery channel. Physical verification of record
keeping of the same.
L Others –Verify
Compliance of provisions relating to Tax Deducted at Source, GST, trade tax, Professional
(i) Tax, other duties and taxes.
Check/ Verify all the bill/payments from the angel of TDS/TCS/GST.
Physical verification of inventory, control over issue of inventory, safe keeping and custody of
(ii)
security forms. Report any loss of such items.
(iii) Physical verification of other deliverable items, control over issue, safe keeping and custody.
(iv) Physical verification of Gold packets, control over issue, safe keeping and custody.
(v) Custody and movement of branch keys.
Locker keys and locker operations-linking of FDR as security for locker/operation of
(vi)
locker/inoperative lockers/ nomination/other issues.
Safe custody of branch documents like death claim cases, issuance of duplicate DD/PO/ FDR,
(vii) checking of indemnities, etc. and verification of documents executed during the period under
audit.
(viii) Reporting of frauds.
Verification of modification in account and customer profile such as modification in Review
Date, Drawing Power, Limit, Freezing / unfreezing of Account, A/c activation from Dormant to
Active, change in Customer’s Mobile No and seeding of Mobile No. first time in account,
(ix)
Interest table code change, modification in LAD Date, Change of customer ID in A/c, Re KYC
etc.
Verification of compliance of guidelines and sanction terms in respect of Portfolio Purchase
(x)
Account handle by Branch. Substantial verification of pay out records and asset classification
with Originator’s records. Certification for verification of pay out sheets.
(xi) Submission of separate half yearly Internal Audit Report of Demat Authorized Branches.
Verification of all currency Chest Transactions (deposits / Withdrawals / Remittances /
(xii) Diversion / Opening – Closing Balance ) in e-KUBER CC Portal on weekly basis (Applicable
for all Currency Chest Branches or Currency Chest is linked with Branch)
Certify the Balance of the Currency Chest / Link Currency Chest of Branch as on the last
working day of February & March of the each year or as and when required by regulator and
(xiii) issue duly signed Balance Certificate bearing seal of Firm & UDIN No. by 5 th day of
succeeding month along with Balance confirmation certification. Balance Confirmation
certificate is duly signed with proper seal and UDIN.
(xiv) Conduct of employees, mis-selling of products etc.
(xv) Monitoring of overdue statements (Bills Purchased / Discounted / negotiated etc.
Any other activity / checklist which may be included in future as per Bank’s / RBI / Govt.
(xvi)
Guidelines from time to time.
(xvii) guidelines issued from time to time and certification if any required as per Regulatory
Guidelines.
(xviii) Certification of Regulatory Returns / Statements. Observance on accuracy and timeline.
Verification of calculation of Interest Reversal by Branch for refund of excess interest charged
(xix)
in borrower account.
Substantial checking of all the process / activity / transaction undertaken by Branch or any other
centralized units to be covered under Audit Program. The above scope of audit is to be covered
under (a) Daily Activity (b) Weekly Activity (c) Fortnightly Activity and (d) Monthly Activity, the
indicative list is as under:-
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Daily Activity:
Area Sub-Area Frequency (Daily)
Control Report Concurrent Auditor to verify that all daily Control reports viz. Supplementary, Day
Book, Exceptional transaction Report, Offsol & Intersol Transaction Report,
Mobile No. change report, Dormant to active Accounts, Transactions in newly
opened accounts, AML suspect report are generated and checked and carry out
substantial checking of related internal controls. (T + 1 Basis)
Deposit Concurrent Auditor to carry out examination of all newly opened SB & CA
Account accounts (A/c opened at RLBO, BCs & Tab Banking. Viz. Review of AOF duly
filled in, Compliance of KYC & AML norms & Enrichment of Customer profile in
Finacle. (T + 1 Basis)
Deposit Review of compliance of newly opened accounts through V-CIP. (KYC
Account Compliance) - (T + 1 Basis)
Deposit Concurrent Auditor to Review Closure & Modification carried out in any SB & CA –
Account and verify that application & other required underlying documents from customer
is obtained. (T + 1 Basis)
Deposit Review of all Term Deposit – Opened/Renewed / Closed. – KYC, TDS, Pay-out,
Account Prepayment charge in applicable cases. (T + 1 Basis)
Branch Concurrent Auditor to verify Issuance of Cheque Book, ATM card, Due diligence
operation by Branch in case of chq. Returned undelivered. (T + 1 Basis)
Transaction Review of Transaction – (Transfer, RTGS, NEFT, Cash) with focus on
verification transactions appearing under Exceptional Transaction Report, Inter Sol
Transaction, Transaction in newly opened accounts, staff Accounts. Sampling
Criteria :
Above – 25 Lacs – 100 %
Between 10 Lacs to up to 25 Lacs – 10 %
Between 1 Lac to up to 10 Lacs – 5 %
Below one lac – Substantial checking as decided by concurrent Auditor.
Transaction Review of Transaction under Top -20- Asset Accounts.
verification
Transaction Review of Transaction in Office Account viz. Intermediary A/c, RTGS, IBSA,
verification BITTA, Banker’s Chq, Suspense (Staff), Suspense (General), Clearing
Adjustment.
Transaction Review of manual Debit transactions in P/L Income Heads & manual credit in P/L
verification Expenses Head
Transaction Checking instances of manual debit transactions in NPA Accounts.
verification
Forex Verification of 100 % Swift Transactions log.
Transaction Review of Debit & Credit to PROXY Accounts
verification
Weekly Activity: Entire activity is to be spread over all working days in a week in appropriate
proposition so that by end of week, observation is concurrently made ready for formalization with
Branch & submission.
Area Sub-Area Frequency (Maximum)

Operation Modification Weekly
Concurrent Auditor to generate the report through menu option “AUDITRPT” for
changes in parameters / modification effected by Branch such as Limit Change,
LAD Date Change, Mobile Change, Freeze / Unfreeze etc. and verify that
underlying documents are available
Credit / Application Documents T + 7 basis, T being the date of the sanction.
Advances To be done for all accounts sanctioned :
Concurrent auditor is required to check the application documents, KYC , basic
details of the customer, credit scores and any other parameters as defined by the
Banks extant guidelines from time to time.
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Credit Appraisal T + 7 basis, T being the date of the sanction.

To be done for all a) new a/cs sanctioned & b) all existing a/cs reviewed and /or
with increase during the month.
Concurrent auditor is required to check credit appraisal, sanctio n as per authority
defined by DLP and any other parameters as defined by the Banks extant
guidelines from time to time. Observations to be highlighted as far as possible
prior to disbursement and immediately after sanction to ensure that discrepancies,
if any are rectified prior to disbursal.
Credit Sanction Reporting and T + 7 basis, T being the date of the sanction.
its Review
To be done for all a) new a/cs sanctioned & b) all existing a/cs reviewed and/ or
with increase during the month.
Concurrent auditor is required to check PSR reporting requirements and any other
parameters as defined by the Banks extant guidelines from time to time.
Observations to be highlighted preferably prior to disbursement and immediately
after sanction to ensure that discrepancies, if any are rectified prior to disbursal.
Documentation To be checked minimum TAT of 5 – 7 days is
maintained from the date of disbursement to the
date of Audit
To be done for all a)new a/cs disbursed & b) all existing a/cs reviewed wit h
increase during the month & c) in all a/cs where fresh documents are obtained
Auditor to review all loan related documents executed with the customer as per
the formats and guidelines published by the bank from time to time.
Disbursement Weekly
To be done for all a)new a/cs disbursed & b) all existing a/cs reviewed with
increase during the month
Concurrent auditor is required to check compliance to the pre and post
disbursement requirements of the accounts, CERSAI Charge Creation for
Movable & Immovable, Insurance Coverage of charged Securities and any other
Incorrect Security details in Unsecured Consumer Credit portfolio.

Credit / Interest / other service To be checked on a weekly basis such that minimum TAT
Advances charges of 5 – 7 days is maintained from the date of disbursement
to the date of Audit
To be done for all a) new a/cs disbursed & b) all existing a/cs reviewed with
increase during the month c) all other accounts to be checked such that 1/ 12 th of
the accounts are audited within the month
For all new accounts disbursed and accounts reviewed during the month,
concurrent auditor is required to check whether all processing charges, stamp
duty charges and other onetime charges are collected and posting of the same
has been correctly done. Interest rate set in the system is accurate etc.
For all other existing accounts, checking of regular interest and other charges
recovery as applicable to the account to be verified and reported as per Bank’s
extant guidelines from time to time.
Para Banking Safe On a T + 2 basis for all new lockers hired out during the month
Activities Deposit For all others, Monthly 1/ 12th of accounts of the branch such that all
Locker lockers of the branch are covered and reported upon during the
financial year
Auditor to check records of all lockers hired out in the current month (including
lockers re-allocated) + 1/ 12 th lockers already hired out earlier thereby ensuring
coverage for all lockers during the year.
Auditor to verify KYC Compliances, maintenance of locker keys, recovery of
locker rent, CBS records for the lockers as per banks’ extant guidelines.
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Office A/c & Examination of transaction as well as review of compliance of daily reports
Compliance already submitted
Fortnightly Activity:
Daily Activity : (T + 1 Basis)
Cash Surprise verification of Cash (Piece to piece) to be conducted by Concurrent
Auditor on fortnightly basis.
Compliance Review of Compliance of all previous Audit Observation viz. Daily, weekly,
Testing Monthly etc.
Monthly Activity:
Area Sub Area Frequency
Credit / Security/ Charge Creation Monthly
Advances Auditor to check charge creation and other formalities in such regard have been
completed in all respects for a) new a/cs disbursed & b) all existing a/cs reviewed
with increase during the month. Auditor to monitor such cases on a month on
month basis to ensure compliance and follow up on the same.
Legal Compliance and Due Monthly
Diligence
To be done for all a) new a/cs sanctioned & b) all existing a/cs reviewed with
increase during the month.
Concurrent auditor is required to check legal compliance and any other
Credit Monitoring Monthly 1/ 12 th of accounts of the branch to be reviewed
such that all accounts of the branch are covered and
reported upon during the financial year
To be done for Top -20- Accounts & 1/ 12 th Accounts of Branch on monthly basis.
All fresh accounts disbursed and reviewed with increase to be covered as part of
credit monitoring only after a quarter has elapsed since the disbursement. All
existing accounts to be covered on a regular month on month basis.
Concurrent auditor is required to check post disbursement monitoring aspects,
submission of control reports, CERSAI Charge creation for Movable & Immovable
assets, Insurance Coverage of charged securities, calculation of Drawing power,
and updation of correct security value in system, SMA accounts and any other
Review/ Renewal of limits Monthly
To be done for all accounts due and overdue for review in the month
Auditor to check if a/cs overdue for review and comment whether requisite papers
/ documents etc. have been submitted before the due date and due approvals
have been sought for allowing operations in case of delayed review of account,
conduct of account has been accurately reported and put for approval to higher
authorities. All other guidelines of bank published from time to time to be checked
and reported by the auditor.
Credit / To be done for all accounts closed during the month
Advances Auditor to verify the collection of foreclosure charges in preclo sed accounts,
acknowledgement on hand over of documents and NOC issuance process as per
the bank’s extant guidelines.
Loan Review Auditor to verify identified loan accounts of Rs. 10 lacs and above but below Rs.
Mechanism 10.00 crores under Loan Review Mechanism through as per checklist/ digital
portal
NPA Accounts causing concern Monthly

Management Restructured /Rescheduled accounts
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To be covered for all NPA, restructured and rescheduled accounts. Auditor to

check list of NPA accounts as per ASCROM and Finacle are matching, all
necessary follow up in terms of issuance of legal notices, valuation, restructuring
as per bank’s extant guidelines, correct tagging of accounts as NPA and
restructured in Finacle, ASCROM etc. has been carried out as per Ba nk’s extant
guidelines.
Cash Auditor to verify controls over cash management at branches, including but not
Management limited to dual custody, physical balances of cash, surprise verifications by Branch
Manager / Officer, maintenance of cash scrolls, retention limits on cash,
maintenance of all related registers and any other cash management controls
prescribed by bank’s extant guidelines.
Remittance Auditor to verify the controls over remittances processed at the branches in terms
of obtaining PAN/ authority letters of processing of transactions, compliance to
guidelines in respect of RTGS/NEFT, cancellation of DDs / BCs, Issuing of
duplicate DDs/BCs, Return of unsuccessful RTGS / NEFT within time norms,
Recon of G/L RTGS / NEFT Sundry Deposit A/c on daily basis brought as NIL by
the branch.
Cheque/ Bills/ Auditor to verify transactions pertaining to the clearing, collection, purchase,
Collection / cheque with regards to lodging of the Inward Cheque / Bills, Outward Cheque /
Purchase Bills received for collection in the system, collection of charges, monitoring of
Clearing returned cheque etc.as per bank’s extant instructions published from time to time.
Government Government Business Monthly
Business Auditor to verify all transactions pertaining to receipt of various taxes, time norms
for remittance, processing of pension payments, monitoring of the G/L Sundry
Creditors/ Sundry Deposits A/cs, claim and receipt of turnover/ agency
commission on a quarterly basis
Para Banking bancassurance /Baroda Monthly
Activities Health
Auditor to verify that premium collected for Bancassurance / Baroda Health are
deposited promptly and application are forwarded to the concerned company
promptly. Auditors’ observation on marketing of the other products of the bank is
observed.
Demat Accounts Monthly
All fresh Demat accounts opened during the month – only for authorized
branches. Auditor to verify that TIFDs / DIS are issued only to customers who
visit the branch personally, after obtaining approval of authorized officer. Proper
record of loose TIFDs is maintained. (Not more than 10 loose TIFDs can be
issued to a customer in a year as per NSDL / CDSL rules) as per NSDL / CDSL
guidelines. There were no claims for failure of trade due to delay in processing
TIFDs. Auditor to verify that there were no claims for failure of trade due to delay
in processing TIDFs
Alternative Delivery Channel Monthly
Auditor to verify on a periodic basis whether Register for Debit Cards and PINs
are maintained recording the date of receipt , related a/c no, date of delivery,
signatures of a/c holders are verified before delivery to customers, all undelivered
net banking pins, card related pins are recorded in register and kept in safe
custody.
Forex Forex Monthly
For all the products pertaining to Foreign Exchange:
Auditors to verify the process from issuance to closure, i.e.,
 Sanction letter with the allocated limits assigned to the customer for the
products requested.
 Issuance of the product to the customer after obtaining the required
documents, i.e. customer request letter, authorized sanction letter, etc.
 Amendments to the non-fund based facility obtained by the customer on
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account of changes in tenor, amount, address, etc.

 Invocation of a bank guarantee involves the receipt of an intimation via
SWIFT to invoke the guarantee by the overseas party
 Details of the product to be accurately fed into the system (FINACLE),
generally initiated by the assistant and subsequently verified by the officer.
 Limit monitoring by means of preparation of a sanction letter upon
utilization of a limit or sub-limit of a product.
 Closure of the product in the system and the outstanding as well as
reinstatement of the limit for the concerned product.
 Validation of the nature of exposure for which the non-fund based facility
is being utilized.
Concurrent auditor is required to check all the documents at the various phases,
i.e., issuance, utilization and closure of a product.
Auditor to also verify the sanction limits, appraisal, sanction as per authority
defined by DLP and any other parameters as defined by the Banks guidelines
from time to time. Auditor has to also verify accurate input of details into
FINACLE, receipt of authentic communication from the overseas party’s bank via
SWIFT, margin maintenance, adherence of the sanction letter follow-up to close
the outstanding accounts, etc.
Statutory Statutory Compliances Monthly, quarterly based on the returns to be
Compliances submitted
All checks pertaining to the submission of returns and reports as per statutory
guidelines to be verified by the auditor for the month. Similarly all quarterly
reports and returns may be checked at such frequency. Display of all necessary
notices, certificates and compliances to BCSBI codes should be checked on an
adhoc periodic basis and reported.
Controls & Controls Monthly
Audits Auditor to verify all debits to income accounts, outstanding entries in the sensitive
accounts, reconciliation of all accounts with CBO/ RBO/ Other banks, posting of
back dated transactions, monitoring of outsourcing activities like AMC contracts,
compliances to the DAP for making payments, levy of service charges on a
periodic basis.
Audits Monthly for CEMU alerts

Quarterly for all other audits
Auditor to verify the status of compliance of audit reports for any type of audit
conducted in the current financial year and compliance status of Qualified
Rectification Certificates drawn up in reports for earlier periods which have not
been converted to CRC on a quarterly basis.
On a monthly basis. All errors reported by the CEMU unit as part of CIAD to be
verified. All open issues may be reported by the concurrent auditors and frequent
alerts raised to be probed further for investigation.
Security & Security Items Monthly

Administration Auditor to verify that the entire stock of security forms e.g. Cheque Books, DDs,
BCs, FDR receipts etc.
o Are held in joint custody and stored in fireproof safe / vault.
o All receipts and issues are recorded immediately in system.
o Physical stocks tally with system stock
o Loose / Floating stocks are also recorded and physical stocks tally with
records.
o GOLD packet to be tallied with system.
Physical Security Monthly
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Auditor to verify that the security equipment installed in the branch are in working
condition and Maintenance Contracts are renewed & valid e.g.
Alarm System, CCTV (if installed), Armed Guard, Electrical Audit, Visit by the
security officer etc. and data backup of CCTV for last 90 days available.
Token vending & display system Cheque Receipt machines

Auditor to verify that the right type of Fire Extinguishers / Smoke Detectors are
installed and are in working conditions.
Administration Monthly
Auditor to verify preparation of mandatory administration / staff MIS
statements/reports, Certified by Branch Head and submitted in time, access to
and retrieval of old records is authorized by Branch Head and proper record of the
same is maintained, vouchers are properly authorized by at least two officials &
P/L vouchers are authorized & countersigned by Branch Head, PL debit vouchers
are authorized by two officers having sufficient delegated power, premises /
electrical fittings / signage / notice boards etc. are maintained clean and tidy,
lease deed is in force, copy of lease deed is kept in safe, verify that rent paid and
taxes are paid as per agreement and TDS deducted as per rules, submission of
returns and reports to RBI, verification of Fixed assets in branch with FASSET
records, renewal of AMCs
Fraud Control Monthly
Auditor to verify :
o That all cases of suspected / detected Frauds are reported to controlling office
immediately on detection and follow up action is taken e.g. filing of Police
complaints, lodgement of insurance claim, examination of staff accou ntability
etc.
o Fraud Monitoring Report is filed within 7 days of detection to RBI and a copy
obtained and kept on record.
Business IT Quarterly
Continuity Auditor to report on the access controls to server rooms, network equipme nt
plans and IT maintenance of hardware, working of UPS at branches, password sharing within
Security the staff, anti-virus software are live and working on all PCs, maintenance of data
cabling etc.
BCP Quarterly
Verification of the conduct of BCP team based out of the branches and regular
conduct of meetings, availability of all emergency contact numbers, AMC vendors
etc. number are available readily, back up data maintenance and storage at the
offsite locations and any other applicable guidelines on BCP prescribed by th e
bank from time to time.
Customer Customer Service Quarterly
Service Auditor to report on the maintenance of customer service at the branches and
following of BCSBI code at the branches with regards to timely delivery of
services, disposal of complaints at branches. Auditor to report on the last meeting
of customer service committee held at the branch and whether implementation of
accepted recommendations noticed at the branch.
Other Areas Internal Control Monthly
 Updation of Debtors, Creditors, Associate concerns & Subsidiaries (Menu :
LOTPHD) – (ref : BCC:BR:112:504 Dated 26-08-2020)
 Comparative analysis of GL heads and PL heads and review the variance.
 The transactions and reconciliation position of internal office accounts and
GLs transactions to be verified by the auditors in respect of branch / Zone /
Administrative office and any deviation observed should be reported.
 Reversal of Charges / wrong interest as per DAP / Guidelines.
 Pay out to DSA / Business Correspondence / car dealer
 Reconciliation of GBM Accounts (PPF, SCSS)
 Transaction / Reconciliation of Inter Bank Account.
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 Tracking of Audit Observation & reporting under persisting irregularity.

 Password sharing.
 Risk Classification of accounts and due diligence in High risk accounts. Ult ra
Violet ray machines are available and used for payment /. Transfer of high
value cheques as per guidelines.
 TDR receipts are attached as security for LABOD / ODBOD.
 Sanction / Appraisal of Retail Loans & Agriculture Loans under LLPS and
Account opening through LLPS.
 Periodical updation of KYC and KYC expired documents.
 Advance against Gold Loan is to be sanctioned after weighing and valuation
of gold ornaments by assayer in Branch premises and in presence of BH /
Officer. The jewel loan packets to be kept under joint custody immediately
after pledge of ornaments by the borrower. Periodical verification of gold loan
packets is carried out and norms for re assaying of gold ornaments is
observed by Branch. Periodical verification of Gold loan packet and to be
tallied with Finacle
 Details of casual/temporary workmen, if any, engaged by the branch without
specific approval from controlling authority to be commented in Audit Report.
 Presence of any early warning signal, high value payment to unrelated party ,
large no. of inter firm transaction with inter connected companies, substantial
related party / inter group transactions.
 PSR statement of advances, TOD/ Excess statements are submitted to

Regional Office on monthly basis. For Retail loans all credit pr oposal Rs.5/-
lacs and above and for other loans all credit proposal Rs. 25/- lacs submitted
to Regional Office within 7 days of sanction.
 Complaint Redressal & Customer Service at Branch.

 Customer Service and Observations during the Branch level Customer
Service Meeting
 Observations in respect of entries made by the branch / region / zone / vertical
in “GL recon Tool”
 Verification of Sr. Citizen Status of customer according to their date of birth
available in branch records and application of Sr. Citizen Interest benefit.
 Verification of Constitution of customers to avoid passing of undue Sr. Citizen
Benefit to Non Individual / in eligible customers.
 Verification of Mis-match in Title of account and Customer name
 Check/ verify all the bills/payments from the angle of TDS/TCS
 Generate and verify eTDS Report (deductee records report generated from
ETDSMENU menu-option no.5) and incorporate comments regarding:-
a. TDS is being deducted under correct section at applicable rate
b. Valid lower deduction certificate is present where tax has been deducted
at less than applicable rate
c. Valid nil deduction certificate or proper reason as provided under TDS
provision has been noted where tax has not been deducted
d. GST TDS has not been deducted at applicable rates
e. Please note that GST TDS has not been deducted in case of
vendors/suppliers which are Public Sector Undertakings
Please note that the scope provided above is purely indicative but not limited to the points
listed; additional aspects will necessarily need to be cover ed depending on the nature of
business at the branch level and as per checklist applicable.
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Minimum Areas of Coverage for CBO’s (Service Branch / City Back Office):
Sr. No. Coverage
1. Checking month wise Variations on each Head of account under Asset & Liabilities and
Income & Expenditure Account.
2. Transactions in Suspense & Sensitive Accounts and reconciliation.
3. Inward & Outward Clearing – Substantial Checking
4. Electronic Clearing System (ECS), NACH Clearing.
5. Transactions in Bankers Accounts & Reconciliation.
6. Transactions in Internal Office Accounts and reconciliation
7. Remittance Accounts
8. Staff Salaries, Wages, Allowances, etc.
9. Bill Desk.
10. Government Business
11. Central Board for Direct Taxes
12. Sales Tax & Professional Tax
13. Pension Claim, Turnover Commission claim on Govt. Business.
14. Reconciliation
15. Frauds & Misappropriation
16. Observation on checklist items & other Bank’s / RBI / Regulatory guidelines
17. Any other activity / checklist which may be included in future.
18. Verification of compliance of Persisting Irregularities
19. Certification of Regulatory Returns / Statements. Observance of accuracy and timeline.
20. Testing of control as per check list.
21. Positive Pay Confirmation
22. Compliance to RBI Guidelines, other Regulatory guidelines or Bank’s Internal policy
guidelines issued from time to time and applicable for Unit and required certification.
23. Verification of Turnover Commission Claim.
Please note that the scope provided above is purely indicative but not limited to the points
listed; additional aspects will necessarily need to be covered depending on the nature of
business at the Unit level and as per checklist applicable.
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Minimum Areas of Coverage for RLBO (Retail Liability Back Office) :
RLBO is centralized Back office carrying out following activity on behalf of PAN India
Branches.
Sr. No. Coverage

1. Account Opening Process
2. Compliance of KYC, AML, CFT Guidelines
3. Verify that Name, DOB/DOI, mailing address is as per KYC Document and details as per
AOF / mandatory fields are correctly filled in.
4. Verify that Mode of operation, Scheme code, Risk Perception is correct.
5. Account Activation
6. Issuance of Personalised Cheque Book
7. Issue, Printing and Payment of FCNR Deposits
8. Observation on checklist items & other Bank’s / RBI / Regulatory guidelines
9. Addressing customer queries / complaints
10. Any other activity included as per operational guidelines / SOP
11. Verification of compliance of Persisting Irregularities
12. Quality Control Process
Concurrent Auditor to cover 100 % Accounts opened at RLBO lev el as per operational
guidelines / checklist and also verify compliance of persisting irregularity, if any.
Minimum Areas of Coverage for CPPC (Centralized Pension Processing Cell):
Sr. No. Coverage

1. Reviewing the effectiveness, adequacy and application of accounting, financial and other
controls.
2. Ascertaining the level of compliance with established policies, plans and procedures
3. Verification of Master Data of Pension
4. Turnover Commission Claim
5. Conversion of Family Pension
6. Updation of Critical parameters such as DA Rate, Medical Payments etc.
7. Verification of payment of arrears
8. Compliance of Bank’s / RBI / Regulatory guidelines
9. Checking month wise Variations on each Head of account under Asset & Liabilities and
Income & Expenditure Account.
11. Any other activity which may be included in future.
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Minimum Areas of Coverage for Contact Centre:
Sr. No. Coverage

1. Quality review of calls attended by callers.
2. Call Recording & Data Back Up
3. Customer Data Security
4. Reviewing the effectiveness, adequacy and application of accounting, financial and o ther
controls.
5. Ascertaining the level of compliance with established policies, plans and procedures
6. Quality of closure of complaints.
7. TAT for closure of service request.
8. Compliance of terms of agreement with Service Provider.
9. Any other activity included as per operational guidelines / SOP.
Concurrent Auditor to carry out substantial checking of calls attended by Contact Centre
Team and verify their resolution as per operational guidelines.
Minimum Areas of Coverage for CBODPO (DEMAT CELL):
Scope of Audit as per CSDL Circular ref. No. CDSL/A.I&C/DP/POLICY/2018/205 Da ted 18- 04-
2018:
Sr. No. Coverage
1. Demat Account Opening Process
2. Account Modification – Change of Address, bank Detail, Nomination, PAN, E mail Address,
mobile No. etc.
controls.
4. Ascertaining the level of compliance with established policies, plans and procedures.
5. KYC Confirmation/Reconfirmation Of Demat Account Holders
6. Issue of Delivery Instruction slips (DIS)
7. Execution of Instruction slips (DIS)
8. Pledge / hypothecation instruction
9. Investor Grievances received by the DP and Redressal.
10. Client data modifications and Demat Closure
11. Scanning of Delivery Instruction Slips (DIS) and Tamper proof storage of DIS images along
with GAP Report
12. Transmission of Securities( Death Claim settlement)
13. Compliance under Prevention of Money Laundering Act, 2002 (PMLA)
14. Audit certificate for deviations / observations noted in last NSDL inspection and internal /
concurrent audit report.
15. Billing
16. Processing of Freezing Instructions as per Statutory Orders.
17. Recovery of Service Charges
18. Transaction Statement
19. Submission of Risk Assessment Template (RAT), Internal and/or Concurrent Audit Report,
Net worth Certificate
20. Any other activity which may be included in future.
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Minimum Areas of Coverage for Head Office – Office Administration, Baroda
 Verification of all the payments made by Office Administration Department, Estate Management
Department on its behalf and on behalf of all other departments of the Bank located at Head
Office / Corporate Office.
 Reviewing the effectiveness, adequacy and application of accounting, financial and other
controls.
 Ascertaining the level of compliance with established policies, plans and procedures.
 Random verification of complaints closed by Customer Service Department.
 Compliance with applicable CVC guidelines.
 Verification of transfer entries between the heads of accounts
 Verification of GST related matters in all the income and expenditure.
 Check/ verify all the bill/payments from the angel of TDS/TCS/GST.
 Verification of provisions made during the month.
 Verification of penalty charges.
 Verification of all the other compliance related matter.
 Maintenance of appropriate records as per applicable policies.
 Audit of payments made by the Estate Management department.
 Adherence to the defined procedure for calling and selection of Tenders.
 Certification of returns under Section 42 of RBI Act, 1934.
 Compliance with internal approval and reporting procedures.
 Compliance with applicable Income Tax regulations on Tax to be deducted at source and
submission of regulatory returns.
 Verification of GST related matters in all the income and expenditure and pointing out non -
compliance / deviation, if any.
 Verification of Regulatory Returns submitted by different Departments.
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Minimum Areas of Coverage for Baroda Corporate Centre – Office Administration Dept.
Mumbai.
 Verification of all the payments made by Office Administration Department, Estate Management
Department on its behalf and on behalf of all other departments of the Bank located at Head
Office / Corporate Office.
 Reviewing the effectiveness, adequacy and application of accounting, financial and o ther
controls.
 Ascertaining the level of compliance with established policies, plans and procedures.
 Compliance with applicable CVC guidelines.
 Verification of transfer entries between the heads of accounts
 Verification of GST related matters in all the income and expenditure.
 Check/ verify all the bill/payments from the angel of TDS/TCS/GST.
 Verification of provisions made during the month.
 Verification of penalty charges.
 Verification of all the other compliance related matter.
 Audit of payments made by the Estate Management department.
 Adherence to the defined procedure for calling and selection of Tenders.
 Certification of returns under Section 42 of RBI Act, 1934.
 Audit of payments made by the IT & Projects department.
 Compliance with internal approval and reporting procedures.
 Compliance with applicable Income Tax regulations on Tax to be deducted at source and
submission of regulatory returns.
 Verification of GST related matters in all the income and expenditure and pointing out non -
compliance / deviation, if any.
 Verification of Regulatory Returns submitted by different Departments.
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Minimum Areas of Coverage for HRCPC:
HR CPC & Operations based at Baroda handles the HR Operational activities for the bank’s staff.
The various activities to be audited at the HR CPC are as follows:
1) TA / DA Claims
2) LTC / LFC
3) Staff Loans
4) Salary / Payroll processing
5) Terminal Benefits
Scope and Conduct of Audit

1. TA / DA Claims: Monthly Concurrent auditor is required to check all new TA / DA claims paid
during the month along with supporting documents such as travel bills, hotel bills, approval etc.
for processing TA / DA claims and ageing of amount in suspense account.
2. LTC / LFC Claims / Reimbursement: Concurrent auditor is required to check all LTC / LFC
claims paid during the month along with supporting documents such as travel bills, hotel bills,
approval etc. for processing claims. Further, Concurrent auditor to check whether leave as per
LTC / LFC matches with the leave record in the system.
3. Staff Loan Sanction: All staff loans sanctioned / disbursed during the month to be checked.
Concurrent auditor is required to check the approval for staff loan, compliances to terms and
conditions of sanction, auto transfer of salary to the overdraft account of the employee and EMI
recovery.
4. Payroll : Concurrent auditor is required to check payroll processed for all employees for the
month with respect to system integration and flow of data from HRMS to HRNes, reconciliations
performed by the HR team, salary processed for resigned employee. Further, for new joiners
during the month, concurrent auditor to check whether increment details are correctly captured
as per policy.
5. Terminal Benefit Monthly Concurrent auditor is required to check terminal benefit amount
processed for the month with respect to approval for processing, accuracy in calculation of
terminal benefit amount and interest thereon and approval for withdrawal from PF
6. Reconciliation of Office Accounts, Accounting of NPS Contribution.
7. Verification of salary / perquisites paid to staff during sabbatical leave / unauthorized absence
period, of any.
controls.
9. Ascertaining the level of compliance with established policies, plans and procedures.
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Minimum Areas of Coverage for Samanvay Cell (Paisa Lo Digital Limited):
1. Loan application is obtained in specified format along with KYC Document duly verified by
PDL officials
2. Loans are sanctioned as per the approved scheme codes.
3. Documents as per scheme is completed and available under system (LDS) – digital copy.
4. CRIF Check- (Not older than 30 days) is carried out and CRIF score is compiling with
minimum eligibility score, overdue of Rs. 1000.00 or more is not appearing under CRIF
report
5. Loan appraisal is carried out within T+1 days from the date of receipt of proposal
6. Sanction letter is issued disclosing details of arrangement
7. Loan account is opened as Nodal branch and customer details/ repayment schedule is
correctly entered
8. Disbursement of 80% share is credited to ESCROW account by Bank of Baroda &
remaining 20% share by Paisa Lo Digital (PDL)
9. Observation on reconciliation of ESCROW account opened for disbursement and collection
10. Whether ESCROW account (Collection) balance is appropriated within Defined TAT (T+1)
and observation report is available on record, collection proceeds are correctly credited to
customer account.
11. Whether balance under ESCROW account(disbursement) is credited to individual customer
accounts (SB account as described in application forms)
12. Whether reconciliation certificate by PDL is submitted within a week’s time from end of each
month.
13. Whether MIS records on weekly basis as per specified format is obtained from EMI/
instalment charges, DPD details (Monday before 12:00 noon)
14. Whether CA certificate for co-lending arrangement as priority sector is obtained on quarterly
basis and kept on record.
15. Whether total exposure under the arrangement is within limit as approved from competent
authority.
16. Observations of Concurrent Auditor on control put in place for stopping fresh disbursement
under scenario, collection efficiency, 30+ DPD and nonstarter % is complied with policy/
SOP document.
17. Verification of minimum 25% of collection made by PDL during previous month
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Minimum Areas of Coverage for RAAC, Gandhinagar:

 To scrutinize the loan application, docum ents, reports, papers, etc., submitted by
SMS and relevant for sanctioning Retail Loans.
 To obtain Title Clearance Report/s and to ensure that the title of the properties are
clear, marketable & unencumbered and enforceable under SARFAESI Act.
 To advise the SMS or the applicant/s about any m issing paper, information,
clarification immediately and follow up with them for completion of the requirements.
 To prepare Appraisal Note along with terms & conditions and process the proposal
through LAPS (Lending Autom ation Processing System) in effective m anner with
speed & accuracy and sanction.
 After sanction of the proposal, to convey the sanction(along with set of documents to
be executed) to the SMS, Branch (where account is to be parked) and customer over
e-mail followed by hard copy.
 To convey the rejection to customer as well as to SMS/Branch with reasons.
 To take all necessary measures for avoiding flaw in credit in processing of the
proposal & preparation of the Appraisal Note.
 If there is any deviation, beyond the powers of CPC Head, process the deviation with
justifications and forward the same to the appropriate authority for its approval.
 To place the sanction/ deviation accorded by CPC Head, if any to Retail Banking
Department, BCC for PSR. PSR Observation/s, if any, to be conveyed to the
disbursing Branch for compliance and com pliance from the Branch to be kept on
record for internal inspection of CPC.
 To guide & support SMS for their inquiries regarding eligibility criteria, clarification on
various Retail Loan Scheme guidelines and likely credit decision on case specific
reference.
 To keep all records of loan application received, sanctioned, rejected, PSR cleared,
etc.
 To consider all non-financial deviation powers for which powers vested with CPC
Head.
 Processing /sanctioning Loan proposals related to enhancement in the existing lim its/
review with increase/ subsequent loan under separate retail loan products (which is
under purview of CPC) to existing customers to be done at CPC.
Concurrent Auditor to verify that all basic details, KYC and other requisite
documents are obtained, Appraisal Note as per applicable product note, Sanction as
per DLP, Post sanction Review and its compl iance and compliance of other laid
down procedures / Bank guidelines. (Coverage 100 % of Sanctions).
Concurrent Auditor to also verify that RBI Guidelines, other Regulatory guidelines or
Bank’s internal guidelines issued from time to time applicable for Unit are complied
with and to carry out required certification.
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Annexure 9A – Certification
 Limited review of branches for quarter ending June, September and December as per RBI
guidelines and any other requirements stipulated by RBI.
 LFAR & other Certification for Quarter ending March as per RBI Guidelines.
 Other certifications as per Bank/RBI/Other Statutory/SEBI/ Government Guidelines /

Requirement.
Please note that any additional fees for such Limited Review, LFAR and other certificati on as
aforesaid will not be paid.
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Annexure 10 – Audit Universe (List of Branches, CBOs & Other units)
HEAD OFFICE
CPPC, RLBO,
CORPORATE
LO DIGITAL).
CELL (PAISA
RETAIL CPC,
SAMANVAY
CONTACT
NSSC OA
CBODPO
CENTRE,
OFFICE /
( DEMAT
Name of State A B C
GRAND
HRCPC
TOTAL
CELL)
CBO
Andhra Pradesh 1 27 4 -- -- -- -- -- -- 32
Arunachal Pradesh -- 2 1 -- -- -- -- -- -- 3
Assam -- 2 2 -- -- -- -- -- -- 4
Bihar -- 6 16 1 -- -- -- -- -- 23
Chandigarh 1 1 -- 1 -- -- -- -- -- 3
Chhattisgarh 2 13 7 -- -- -- -- -- 22
Dadra and Nagar Haveli
-- 3 -- -- -- -- -- -- -- 3
and Daman and Diu
Goa -- 4 3 -- -- -- -- -- -- 7
Gujarat 10 150 86 4 -- 5 1 1 1 258
Haryana 1 7 9 -- -- -- -- -- -- 17
Himachal Pradesh -- -- 1 -- -- -- -- -- -- 1
Jammu & Kashmir -- -- 2 -- -- -- -- -- -- 2
Jharkhand -- 7 7 -- -- -- -- -- -- 14
Karnataka 6 77 22 2 -- -- -- -- -- 107
Kerala 2 10 13 1 -- -- -- -- -- 26
Madhya Pradesh 2 25 9 2 -- -- -- -- -- 38
Maharashtra 13 124 81 3 1 -- -- 1 -- 223
Manipur -- -- 1 -- -- -- -- -- -- 1
Meghalaya -- 1 1 -- -- -- -- -- -- 2
Nagaland -- 1 -- -- -- -- -- -- -- 1
NCT Of Delhi 7 18 36 1 -- -- -- -- -- 62
Odisha 1 5 10 -- -- -- -- -- -- 16
Puducherry -- 1 -- -- -- -- -- -- -- 1
Punjab 0 7 11 -- -- -- -- -- -- 18
Rajasthan 3 62 6 1 -- -- -- -- -- 72
Sikkim -- 1 -- -- -- -- -- -- -- 1
Tamil Nadu 8 26 18 2 -- -- -- -- -- 54
Telangana 2 21 1 1 -- -- -- -- -- 25
Uttar Pradesh 5 45 59 6 -- -- -- -- -- 115
Uttarakhand -- 8 10 -- -- -- -- -- -- 18
West Bengal 6 12 25 1 -- -- -- -- -- 44
Grand Total 70 666 441 26 1 5 1 2 1 1213
The Name of the branches in each category, CBO’s and other units are provided in the subsequent
pages. Data on Business volumes will be provided to the successful Applicant.
Number of Branches are subject to increase on quarterly basis or/ as an when decided by the Bank
for fulfilling RBI criteria for coverage of branches under Concurrent Audit.
73 | P a g e
1. Andhra Pradesh
Alpha Link Currency Category Of Branch/Unit
Sn Branch Name Sol Id District Zone
Code Chest A/B/C/CBO/Spl. Unit
1 VJKOVV Kovvur 8448East Godavari Hyderabad N C
2 VJKAEG Karapa 8261Kakinada Hyderabad N B
3 VJKKND Jawahar Street Branch, Kakinada 7544Kakinada Hyderabad N B
4 MANGUN Mangalagiri 5412Guntur Hyderabad N C
5 VJTIMA Medaramitta, Tirumala 8118Tirupati Hyderabad N C
6 TIRUPA Tirupati 1530Tirupati Hyderabad Y B
7 VJRAJM T Nagar Branch, Rajamundry 7560East Godavari Hyderabad Y C
8 VJKURN Bellary Road, Kurnool 7565Kurnool Hyderabad Y B
9 MVPVIS Mvp Colony 2617Visakhapatnam Hyderabad B
10 ASILME Asilmetta 1270Visakhapatnam Hyderabad Y B
11 VJGOPU Gopalapuram 8246East Godavari Hyderabad N B
12 RAMPET Ramanayyapet 2786Kakinada Hyderabad N B
13 ELURU Eluru 970Eluru Hyderabad N B
14 VJVISH Maharanipeta 7555Visakhapatnam Hyderabad N B
15 VJMURA Muramulla 8486Dr. B.R. Ambedkar Konaseema Hyderabad N B
16 RAMACH Ramchandra P 973Dr. B.R. Ambedkar Konaseema Hyderabad N B
17 VENKAT Venkatachalm 1340Sri Potti Sriramulu Nellore Hyderabad N B
18 GUNTUR Guntur 517Guntur Hyderabad N B
19 DANRAJ Danvaipet, Rajahmundry 3654East Godavari Hyderabad N B
20 VJONGO M S M E,Ongole 7548Prakasam Hyderabad N B
21 TEKISE Tekisettypalem 1160Dr. B.R. Ambedkar Konaseema Hyderabad N B
22 SATTEN Sattenapalle 5938Palnadu Hyderabad N B
23 PEDANA Pedanandipad 518Guntur Hyderabad N B
24 SAVSEE Pbb-Seethamm 2747Visakhapatnam Hyderabad N B
25 VJGUNT Arundelpet Branch, Guntur 7542Guntur Hyderabad N B
26 HUKUMP Hukumpetta 1672East Godavari Hyderabad N B
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27 KATERU Kateru 2034East Godavari Hyderabad N B

28 VISAKH Visakhapatnam Main 515Visakhapatnam Hyderabad N B
29 VJKUNC Kunchanapalli 8218Guntur Hyderabad N B
30 KAKINA Kakinada 513Kakinada Hyderabad N B
31 VADVIS Vadalapudi 2423Visakhapatnam Hyderabad N B
32 BENVIJ Benz Circle 2636Krishna Hyderabad Y A
2. Arunachal Pradesh
Link Currency Category of branch/Unit
SN ALPHA CODE BRANCH NAME SOL ID District Zone
Chest A/B/C/CBO/Spl. Unit
1 ITANAG Itanagar 2974 Papumpare Kolkata N C
2 VJNAHL Naharlagun 6544 Papumpare Kolkata N B
3 VJITAN Itanagar Main 6545 Papumpare Kolkata N B
3. Assam
1 GAUHAT Guwahati Main 0001 Kamrup Metropolitan Kolkata N B
2 DBJORH Jorhat, Assam 9534 Jorhat Kolkata N C
3 VJSILC Shyamaprasad Road 7866 Cachar Kolkata N C
4 ATROAD A.T.Rd.Gauha 909 Kamrup Metropolitan Kolkata Y B
4. Bihar
Link Currency Category Of Branch/Unit
SN ALPHA CODE Branch Name Sol Id District Zone
1 LOHIYA Lohiya Nagar, Bihar 3981 Patna Patna N C
2 SERPAT Service Branch, Patna 6051 Patna Patna N CBO
3 DBRAND Randaha 9127 Vaishali Patna N C
4 VJKHOP Khopi 7997 Vaishali Patna N C
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5 KISBIH Kishanganj 3334 Kishanganj Patna N C

6 AGRHAJ Safb Hajipur 2593 Vaishali Patna N C
7 DARBHA Darbhanga 1210 Darbhanga Patna N C
8 SAMAST Samastipur 3119 Samastipur Patna N C
9 MOTIHA Motihari 1229 Purbi Champaran Patna N C
10 BHAGAL Bhagalpur 1001 Bhagalpur Patna N C
11 SITAMA Sitamarhi 1211 Sitamarhi Patna N C
12 DBPATN Mauryalok Branch 8063 Patna Patna N C
13 PBBPAT PBB-Kankarbg 2763 Patna Patna N B
14 VJHAJI Hajipur 7999 Vaishali Patna Y C
15 FORBES Forbes Ganj 1214 Araria Patna Y C
16 VJMKAD M S M E-Kadam Kuan 7899 Patna Patna Y C
17 MUZAFF Muzaffarpur 5 Muzaffarpur Patna Y C
18 GAYA Gaya 1230 Gaya Patna Y C
19 EXHPAT Exhibition Road 4310 Patna Patna N B
20 SARPTN Regional SARB, Patna 6031 Patna Patna N B
21 GULABB Gulab Baug 13 Purnia Patna N B
22 SRIKRI Sri Krishnap 1863 Patna Patna N B
23 PATNA Patna Main 3 Patna Patna Y B
5. Chandigarh
1 SERCHD Service Branch, Chandigarh 4379 Chandigarh Chandigarh N CBO
2 SECTOB Chandigarh Main 109 Chandigarh Chandigarh Y B
3 ARMCHD Zonal SARB, Chandigarh 3775 Chandigarh Chandigarh N A
6. Chhattisgarh
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1 DBBASN Basna 8726 Mahasamund Bhopal N C

2 TARBAS Tarapur 6052 Bastar Bhopal N C
3 RAMANU Ramanujganj 5811 Balrampur Bhopal N C
4 NAWAGA Nawagaon 3293 Raipur Bhopal N C
5 PADPUR Padmanabhpur 2353 Durg Bhopal N C
6 AMBIKA Ambikapur 1336 Surguja Bhopal N B
7 DBBLAI Sector-10 Bhilai 7274 Durg Bhopal Y C
8 RAHNGI Rahngi 3416 Bilaspur Bhopal Y C
9 SMERAI Sme Branch, Raipur 6592 Raipur Bhopal N B
10 CHOUBE Choubey Colony 4575 Raipur Bhopal N B
11 KORBA Korba 2481 Korba Bhopal N B
12 RAJRAI Rajnandgaon 2620 Rajnandgaon Bhopal N B
13 BILASP Bilaspur 640 Bilaspur Bhopal N B
14 VIVEKA Viveka Nand Nagar 2426 Raipur Bhopal N B
15 BHILAI Bhilai 509 Durg Bhopal Y B
16 BHATAP Bhatpara 3135 Balodabazar Bhopal N B
17 DBJAWA Jawahar Nagar Raipur 7090 Raipur Bhopal N B
18 DHAMTA Dhamtari 1346 Dhamtari Bhopal N B
19 DURG Durg 732 Durg Bhopal N B
20 RAIPUR Raipur 510 Raipur Bhopal N B
21 PANRAI Pandhari 1738 Raipur Bhopal N A
22 WHLRAI Mid Corporate, Raipur 3074 Raipur Bhopal N A
7. DADRA AND NAGAR HAVELI AND DAMAN AND DIU

1 DBSILV Silvassa 7234 Dadra & Nagar Haveli Baroda Y B
2 SSIDAM SSI Daman 2558 Daman Baroda N B
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3 SILVAS Silvassa 2614 Dadra & Nagar Haveli Baroda N B
8. Goa
1 ALDONA Aldona 869 North Goa Pune N C
2 CALANG Calangute 758 North Goa Pune N C
3 MAPUCA Mapuca 605 North Goa Pune N C
4 VJPANA Panaji H S Road 8396 North Goa Pune N B
5 VASCOD Vasco-Da-Gma 493 South Goa Pune N B
6 MARGAO Margao 486 South Goa Pune Y B
7 PANAJI SSI Panaji 482 North Goa Pune N B
9. Gujarat
Zone Link Category of
SN ALPHA CODE BRANCH NAME SOL ID District Currency branch/Unit
1 CORAHM Icfs Branch, Ahmedabad 2538 Ahmedabad Ahmedabad N A
2 SAMAHM Stressed Assets Management Branch, Ahmedabad 6155 Ahmedabad Ahmedabad N A
3 ARMAHM Zonal SARB, Ahmedabad 2599 Ahmedabad Ahmedabad N A
4 MIDAHD Mid Corporate, Ahmedabad 6486 Ahmedabad Ahmedabad N A
5 ASHRAM Ashram Road 849 Ahmedabad Ahmedabad Y B
6 VJBAHM Sme Branch, Ahmedabad 7328 Ahmedabad Ahmedabad N A
7 DBDESA Deesa Main 7319 Banas Kantha Ahmedabad N B
8 PALANP Palanpur Main 174 Banas Kantha Ahmedabad N B
9 DEESA Highway Branch Deesa 958 Banas Kantha Ahmedabad N B
10 MOTIPU Motipura 3149 Sabar Kantha Ahmedabad N B
11 DBPALN Amir Road Palanpur 7087 Banas Kantha Ahmedabad N B
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12 KALOL Kalol-N.G 150 Gandhinagar Ahmedabad N B

13 INDMEH I.E.Mehsana 2006 Mahesana Ahmedabad N B
14 SGHAHM S G Highway 3037 Ahmedabad Ahmedabad N B
15 RADHAN Radhanpur 175 Patan Ahmedabad N B
16 BHADRA Bhadra 322 Ahmedabad Ahmedabad N B
17 DELHIC Delhi Chakla 324 Ahmedabad Ahmedabad N B
18 EXTANA National Dairy Development Board Anand 9824 Anand Ahmedabad N C
19 ANAND Anand Main 294 Anand Ahmedabad N B
20 DUDHSA Radhanpur Char Rasta 3099 Mahesana Ahmedabad N B
21 THARA Thara 4952 Banas Kantha Ahmedabad N B
22 VIJAPU Vijapur 159 Mahesana Ahmedabad N B
23 THARAD Tharad Highway 4238 Banas Kantha Ahmedabad N B
24 VJHIMM Mahavirnagar,Himatnagar 8407 Sabar Kantha Ahmedabad N B
25 SSICHH Highway Road Branch 2553 Gandhinagar Ahmedabad N B
26 GANAHM Ahmedabad(M) 328 Ahmedabad Ahmedabad Y C
27 VEJALP Anand Nagar 2939 Ahmedabad Ahmedabad N B
28 VALLAB Vallabh Vidy 755 Anand Ahmedabad N B
29 HIMATN Himatnagar 1242 Sabar Kantha Ahmedabad Y B
30 INDVAT Industrial Estate, Vatva 1596 Ahmedabad Ahmedabad N B
31 VIDHAN Vidhan Sabha 2464 Gandhinagar Ahmedabad Y B
32 NEWCLO New Cloth Mk 1002 Ahmedabad Ahmedabad N B
33 DHANSU Dhansura 179 Aravalli Ahmedabad N B
34 NANIKA Nani Kadi 5534 Mahesana Ahmedabad N B
35 SARGAS Sargasan 4597 Gandhinagar Ahmedabad N B
36 UNJHA Unjha 157 Mahesana Ahmedabad Y B
37 NADIAD Nadiad Main 290 Kheda Ahmedabad N B
38 KADI Kadi 149 Mahesana Ahmedabad N B
39 VJRELI Relief Road 7796 Ahmedabad Ahmedabad N C
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40 SIDHPU Sidhpur Main 153 Patan Ahmedabad N C

41 TALOD Talod 180 Sabar Kantha Ahmedabad Y B
42 MARPAT Market Yard 841 Patan Ahmedabad Y C
43 VJNAVP Mithakhali Cross Road 7801 Ahmedabad Ahmedabad Y C
44 NADASH Ashram Road 1665 Kheda Ahmedabad Y C
45 GIRDHA Girdharnagar 330 Ahmedabad Ahmedabad N C
46 DBGNAG Sector-16, Gandhinagar 7283 Gandhinagar Ahmedabad N C
47 SURAHM S.M.Road 734 Ahmedabad Ahmedabad N B
48 MANINA SSI Maninagr 332 Ahmedabad Ahmedabad N B
49 ANASTA Amul Dairy 940 Anand Ahmedabad N C
50 DBNAV Nava Sachivalaya Gandhinagar 7758 Gandhinagar Ahmedabad N C
51 ELLISB Ellis Bridge 326 Ahmedabad Ahmedabad N B
52 DBGSEC Sector 22,Gandhinagar 7292 Gandhinagar Ahmedabad N B
53 GANDHI Gandhinagar 146 Gandhinagar Ahmedabad N B
54 NAVRAN Navrangpura 333 Ahmedabad Ahmedabad N B
55 NARANP Naranpura 795 Ahmedabad Ahmedabad N C
56 USMANP Usmanpura 933 Ahmedabad Ahmedabad N B
57 SATAHM Satellite Rd 2737 Ahmedabad Ahmedabad N C
58 BHAIRA Bhairavnath 1826 Ahmedabad Ahmedabad N C
59 SARDAR S.P.Colony 341 Ahmedabad Ahmedabad N C
60 AMBAWA Ambawadi 320 Ahmedabad Ahmedabad N B
61 BOPALR Bopal Road 2950 Ahmedabad Ahmedabad N B
62 MEHSAN Mehsana Main 152 Mahesana Ahmedabad N C
63 FATAHM Fatehpura 327 Ahmedabad Ahmedabad N B
64 SOLAHM Sola Road 2952 Ahmedabad Ahmedabad N C
65 NRIAHM Nri Ahmedabad 4419 Ahmedabad Ahmedabad N C
66 VASTRA Vastrapur 2536 Ahmedabad Ahmedabad N B
67 COLLEG College Road 1444 Kheda Ahmedabad N B
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68 KARAMS Karamsad 305 Anand Ahmedabad N C

69 SHARDA Sharda Mandir Road 1655 Ahmedabad Ahmedabad N C
70 MANEAS Maninagar(E) 1497 Ahmedabad Ahmedabad N C
71 CHANDK Chandkheda 2953 Ahmedabad Ahmedabad N B
72 MODASA Modasa 721 Aravalli Ahmedabad N B
73 ISANPU Isanpur 2909 Ahmedabad Ahmedabad N C
74 LAWAHM Gen Next, Law Garden 2976 Ahmedabad Ahmedabad N B
75 SCIAHM Science City 3659 Ahmedabad Ahmedabad N B
76 VJANAN Pandit Nehru Road, Anand 7812 Anand Ahmedabad N C
77 PETLAD Petlad Main 296 Anand Ahmedabad N C
78 UNIAHM Uni Campus 342 Ahmedabad Ahmedabad N C
79 VASNAR Vasna Road 1825 Ahmedabad Ahmedabad N C
80 JIVRAJ Jivraj Park, Ahmedabad 4685 Ahmedabad Ahmedabad N C
81 DHARMA Dharmaj 299 Anand Ahmedabad N C
82 MARMEH Market Yard 151 Mahesana Ahmedabad N C
83 SABARM Sabarmati 338 Ahmedabad Ahmedabad N C
84 KHEDBR Khedbrahma 4180 Sabar Kantha Ahmedabad N C
85 BHALAN Bhalej Road, Anand 4195 Anand Ahmedabad N C
86 SERAHM Service Branch, Ahmedabad 1998 Ahmedabad Ahmedabad N CBO
87 Other Unit RBO Other Unit Gandhinagar Ahmedabad N Other Unit
88 DUDHES Dudheshwar 1225 Ahmedabad Ahmedabad N C
89 SARAHM Regional SARB, Ahmedabad 5995 Ahmedabad Ahmedabad N B
90 DBKUNO Kunol 6688 Aravalli Ahmedabad N C
91 Other Unit Samanvay Cell (Paisalo Digital) , Gift City Other Unit Gandhinagar Ahmedabad N Other Unit
92 Other Unit Contact Centre Other Unit Gandhinagar Ahmedabad N Other Unit
93 Other Unit RAAC Gandhinagar Other Unit Gandhinagar Ahmedabad N Other Unit
94 Other Unit NSSC OA Dept Other Unit Gandhinagar Ahmedabad N Other Unit
95 Other Unit CPPC Other Unit Gandhinagar Ahmedabad N Other Unit
81 | P a g e
96 SERRAJ Service Branch Rajkot 2518 Rajkot Rajkot N CBO

97 MAHIKA Mahika 1769 Morbi Rajkot N C
98 DBPIPL Pipaliya 9362 Morbi Rajkot N C
99 SUKHPU Sukhpur 4234 Kachchh Rajkot N C
100 DBDAWN Mokhdaji Circle, Bhavnagar 9169 Bhavnagar Rajkot N C
101 KRISHN Krishnanagar 349 Bhavnagar Rajkot N C
102 DBPRAJ Para Bazar,Rajkot 7016 Rajkot Rajkot N C
103 JAGNAT Jagnath Area Branch, Rajkot 362 Rajkot Rajkot N C
104 PATELC Patel Colony 770 Jamnagar Rajkot N C
105 DBRACE Racecourse Road Rajkot 7272 Rajkot Rajkot N C
106 DBNAYA Naya Anjar 9083 Kachchh Rajkot N B
107 DIGVIJ Digvijy Plot 368 Jamnagar Rajkot N C
108 MANKUT Mandvi 886 Kachchh Rajkot N C
109 MANKUV Mankuva 947 Kachchh Rajkot N C
110 MIRKUT Mirzapar 943 Kachchh Rajkot N C
111 BALADI Baladia 942 Kachchh Rajkot N C
112 KERA Kera 4059 Kachchh Rajkot N C
113 MADHAP Madhapar 946 Kachchh Rajkot N B
114 MITHAP Mithapur 370 Devbhumi Dwarka Rajkot Y C
115 VJVERV Tower Chowk Branch, Veraval 8992 Gir Somnath Rajkot N C
116 DBDHEB Dhebar Bhai Road 7188 Rajkot Rajkot Y B
117 VJBHUJ Vijay Nagar Bhuj 7816 Kachchh Rajkot Y B
118 VERAVA Veraval Main 357 Gir Somnath Rajkot N B
119 VJGADH Banking Circle, Gandhidham 7820 Kachchh Rajkot N C
120 JAMNAG Ranjit Road 367 Jamnagar Rajkot N B
121 DBPATE Patel Colony, Cross-Road Branch 7156 Jamnagar Rajkot N B
122 SUREND Surendranagar Main 371 Surendranagar Rajkot N B
123 FREETR Kandla F.T.Z 376 Kachchh Rajkot N B
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124 GANPOR M.G.Road 866 Porbandar Rajkot N B

125 INDRAJ SSI Rajkot 359 Rajkot Rajkot N B
126 MAHUVA Mahuva 2520 Bhavnagar Rajkot N B
127 KESJUN Ambawadi,Keshod Branch 2509 Junagadh Rajkot N B
128 JHANJH Jhanjharda Road 5739 Junagadh Rajkot N B
129 DHRANG Dhrangadhra 2513 Surendranagar Rajkot N B
130 UNIRAJ University Road , Rajkot 3672 Rajkot Rajkot N B
131 BHAVNA Bhavnagar(M) 348 Bhavnagar Rajkot Y B
132 JUNAGA Junagadh (M) 355 Junagadh Rajkot N B
133 GANKUT Gandhidham 1008 Kachchh Rajkot N B
134 BHUJ Bhuj 373 Kachchh Rajkot Y B
135 AMRELI Amreli 353 Amreli Rajkot N B
136 KALAWA Kalawad Road 1501 Rajkot Rajkot N B
137 TAGORE Tagore Marg 361 Rajkot Rajkot N B
138 MORVI Morvi 363 Morbi Rajkot N B
139 RAJKOT Rajkot Main 360 Rajkot Rajkot Y A
140 Other Unit Head Office- OA Dept Other Unit Baroda Baroda N Other Unit
141 Other Unit HRCPC Other Unit Baroda Baroda N Other Unit
142 SARSUC Regional SARB, Surat 6002 Surat Baroda N B
143 WAGBAR Waghodia Road, Vadodara 5602 Vadodara Baroda N C
144 GOHARB Gohar Baug 751 Navsari Baroda N B
145 KOTHI Kothi 191 Vadodara Baroda N C
146 INDBAR Industrial Estate, Gorwa 189 Vadodara Baroda N B
147 SERBAR Service Branch, Baroda 2168 Vadodara Baroda N CBO
148 CORBAR Mid Corporate, Baroda 2616 Vadodara Baroda N A
149 CFSSUR Mid Corporate, Surat 4189 Surat Baroda N A
150 ARMSGZ Zonal SARB, Baroda 5815 Vadodara Baroda N A
151 INDANK Industrial Estate, Ankleshwar 895 Bharuch Baroda Y A
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152 DBBHSU Sme Branch, Ring Road 7316 Surat Baroda N B

153 SURMAN Man Darwaja 1653 Surat Baroda N B
154 SERSUR Service Branch, Surat 2418 Surat Baroda N CBO
155 SAVBAR Savli 1982 Narmada Baroda N C
156 VJMSUR M S M E,Surat 8991 Surat Baroda N B
157 DBPUNA Puna,Surat 7138 Surat Baroda N B
158 INDVAP Industrial Estate, Vapi 238 Valsad Baroda Y B
159 LHROAD Lh Road 5889 Surat Baroda N B
160 ALKAPU Baroda Bhavan Branch 188 Vadodara Baroda N B
161 UDHNA Udhana 281 Surat Baroda Y B
162 KHATOD Khatodra 913 Surat Baroda N B
163 INTSUR Ibb Surat 2595 Surat Baroda N B
164 INDBRO In. E. Bharuch 991 Bharuch Baroda N B
165 KHASUR Khand Bazar 739 Surat Baroda N B
166 KAMREJ Char Rasta 3467 Surat Baroda N B
167 DOHAD Dohad 184 Dohad Baroda N B
168 CENPOI Centre Point 3386 Bharuch Baroda N B
169 KADODA Kadodara 3706 Surat Baroda N B
170 DUDHIA Dudhia Talav 587 Navsari Baroda N B
171 VAPIGI Gidc Iiivapi 1833 Valsad Baroda N B
172 INDPAN IE. Pandesara 842 Surat Baroda N B
173 KATARG Katargam, Surat 4270 Surat Baroda N B
174 MOTSUR Mota Varachha 2496 Surat Baroda N B
175 POR SSI Por 1140 Vadodara Baroda N B
176 BHAILI Bhaili 206 Vadodara Baroda N B
177 GHODOD Ghod Dod 4190 Surat Baroda N B
178 MSUNIV University Campus, Baroda 201 Vadodara Baroda N B
179 SUFIBA Sufibaug 743 Surat Baroda N B
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180 PARSIS Parsi Sheri 261 Surat Baroda N B

181 PANJAR Gandhi Chowk 183 Panch Mahals Baroda N B
182 RAOPUR Raopura 198 Vadodara Baroda N B
183 ZAMPAB Zampa Bazar 1110 Surat Baroda N B
184 ANKLES Anklesh Main 221 Bharuch Baroda N B
185 BHAGAT Surat Main 259 Surat Baroda N B
186 GOTHAN Gothan 4024 Surat Baroda N B
187 HONEYP Gen Next, Honey Park 3305 Surat Baroda N B
188 OVEBAR Ibb Baroda 2479 Vadodara Baroda N B
189 VESU Vesu 3375 Surat Baroda N B
190 SACHIN Sachin 277 Surat Baroda N B
191 GODHRA Godhra Main 182 Panch Mahals Baroda Y B
192 STABRO Station Road 1243 Bharuch Baroda Y B
193 NANPUR Nanpura 2185 Surat Baroda N B
194 HALOL Halol-Pms 776 Panch Mahals Baroda N B
195 SAYEDP Sayedpura 637 Surat Baroda N B
196 PUNSUR Puna Kumbharia, Surat 3564 Surat Baroda N B
197 FERTIL Fertilizer 209 Vadodara Baroda N B
198 BULSAR Bulsar Main 233 Valsad Baroda N B
199 DBALKA Alkapuri Branch, Baroda 7233 Vadodara Baroda N B
200 GNFCOM Gnfc Bharuch 1314 Bharuch Baroda N B
201 PANCHH Panch Hatdi 231 Navsari Baroda N C
202 MAINOF Baroda Main 193 Vadodara Baroda Y C
203 TALSAT Talsat 5704 Vadodara Baroda N B
204 CITYLT City Light Area 2949 Surat Baroda Y B
205 ALIBAR Alipura 1677 Chhotaudepur Baroda Y C
206 GOTRI Gotri 1980 Vadodara Baroda Y C
207 BILIMO Jawahar Road 235 Navsari Baroda Y C
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208 AHWA Ahwa 288 Dangs Baroda Y C

209 DBSANT Santrampur 9353 Mahisagar Baroda Y C
210 DBMANV Mandvi Surat 9324 Surat Baroda Y C
211 KHANDE Khanderao Mk 190 Vadodara Baroda N B
212 SAYAJI Sayajiganj 200 Vadodara Baroda N B
213 ATHWAL Athwa Lines 258 Surat Baroda N B
214 KARELI Karelibag 1698 Vadodara Baroda N B
215 MAJALP Manjalpur 194 Vadodara Baroda N C
216 PADBAR Old Padra Rd 1870 Vadodara Baroda N B
217 ATMAJY Atma Jyoti 1479 Vadodara Baroda N B
218 NEWVIP New Vip Rd, Baroda 3698 Vadodara Baroda N B
219 KRITOW Kribhcotowns 1867 Surat Baroda N C
220 BHULKA Bhulka Bhavn 2738 Surat Baroda N B
221 JETALP Jetalpur 1773 Vadodara Baroda N B
222 RANSUR Navyug Colle 740 Surat Baroda N B
223 PANIGA Panigate 1283 Vadodara Baroda N C
224 NRINAV Nri Lunsikui Branch 5902 Navsari Baroda N B
225 SUBHAN Subahnpura 3344 Vadodara Baroda N C
226 HARNI Harni Road 2652 Vadodara Baroda N C
227 BROACH Bharuch Main 220 Bharuch Baroda N B
228 BARDOL Bardoli Main 266 Surat Baroda N B
229 PARDI Pardi 236 Valsad Baroda N C
230 VYARA Vyara 269 Tapi Baroda N C
231 TITHAL Tithal Road 1741 Valsad Baroda N B
232 DBRAMN Ramnagar 7742 Surat Baroda N C
233 SURBHA Bhatar Road 2526 Surat Baroda N B
234 PRABAR Pratapnagar 196 Vadodara Baroda N C
235 LUNAWA Lunawada 596 Mahisagar Baroda N B
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236 CHIKHL Chikhli 243 Navsari Baroda N B

237 INDMAK SSI Makarpur 573 Vadodara Baroda N B
238 CHHABA Nava Yard 968 Vadodara Baroda N C
239 AKOTA Akota 676 Vadodara Baroda N B
240 PARLEP Parle Point 2000 Surat Baroda N C
241 LAHERI Laheripura 192 Vadodara Baroda N C
242 DUMSUR Apmc-Dumbhal 2669 Surat Baroda N B
243 STABUL Station Road, Bulsar 878 Valsad Baroda N B
244 BRODAN Mohammedpura 2552 Bharuch Baroda N C
245 SALABA Salabatpura 262 Surat Baroda N B
246 ZADESH Zadeshwar Road 3304 Bharuch Baroda N B
247 KALOLA Kalol-Pms 597 Panch Mahals Baroda N C
248 JAMBUS Jambusar 222 Bharuch Baroda N C
249 DIWALI Diwalipura 5828 Vadodara Baroda N C
250 TEXTIL Textile Mkt. 642 Surat Baroda N B
251 VJNAVS Navsari 7805 Navsari Baroda N B
252 DBUDHA Udhna, Surat 7060 Surat Baroda N C
253 DBHALO Halol 7246 Panch Mahals Baroda N C
254 LIMSUR Limbayat, Surat 4910 Surat Baroda N C
255 SANTRO Sant Road 1163 Panch Mahals Baroda N C
256 SINDHR Sindhrot 3347 Vadodara Baroda N C
257 KAVAS Kavas 1460 Surat Baroda N C
258 UKHREL Ukhreli 2202 Mahisagar Baroda N C
10. Haryana
1VJMBAL M S M E-Ballabgarh 7879Faridabad New Delhi N C
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2SECFAR Farida-Sec-4 787Faridabad New Delhi N C

3DLFGUR Dlf Golf Course Road 3029Gurugram New Delhi N B
4VJGURG Sector 14, Gurgaon 7877Gurugram New Delhi N C
5FARIDA Faridabad 108Faridabad New Delhi N B
6GURGAO Gurgaon Main 107Gurugram New Delhi N B
7CFSGUR Cfs Branch, Gurgaon 6001Gurugram New Delhi N A
8SANOLI Sanoli Road, Panipat 5432Panipat Chandigarh N C
9VJKAIT Kaithal Ambala Road 7883Kaithal Chandigarh N C
10KURUKS Sector-13, Kurukshetra 2970Kurukshetra Chandigarh N C
11DBHAUH Hariyana Agriculture University, Hissar 9620Hisar Chandigarh N C
12GRMKAR Grain Market 4006Karnal Chandigarh Y C
13VJMPAN Jawa Complex, Railway Road Gtr Panipat 8995Panipat Chandigarh N C
14PANIPA Gtr Panipat, Adjacent Kishore Cinema 772Panipat Chandigarh N B
15BLYPAN Sector-8 2721Panchkula Chandigarh N B
16VJHISS Red Square Market , Hissar 7881Hisar Chandigarh N B
17PANKAL Panchkula Main 2488Panchkula Chandigarh N B
11. Himachal Pradesh

SN ALPHA CODE BRANCH NAME SOL ID District Zone Link Currency Chest Category of branch/Unit A/B/C/CBO/Spl. Unit
1 EXTSIM Kasumpti 9836 Shimla Chandigarh N C
12. Jammu & Kashmir

SN ALPHA CODE BRANCH NAME SOL ID District Zone Link Currency Chest Category of branch/Unit A/B/C/CBO/Spl. Unit
1 JAMMU Jammu Main 0112 Jammu Chandigarh N C
2 DURGAN Durganagar 1891 Srinagar Chandigarh N C
13. Jharkhand
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1 SARJAM Regional Sarb, Ranchi 5992 Ranchi Patna N B

2 CHAS Chas 3035 Bokaro Patna N C
3 VJMJHA Bank More Dhanbad 7892 Dhanbad Patna N B
4 HARMU Harmu 3274 Ranchi Patna N B
5 HAZARI Hazaribag 2923 Hazaribag Patna N C
6 BARIRD Bariyatu 3583 Ranchi Patna N C
7 HESAG Hesag 3273 Ranchi Patna N C
8 BOKARO Bokaro Steel 14 Bokaro Patna N B
9 BIRSAC Birsa Chowk 5633 Ranchi Patna N C
10 DHANBA Dhanbad 15 Dhanbad Patna N C
11 RANCHI Ranchi 17 Ranchi Patna N B
12 MIDJAM Mid Corporate, Jamshedpur 6975 Purbi Singhbhum Patna N C
13 SSIBIS SSI Sakchi 2667 Purbi Singhbhum Patna N B
14 JAMSHE Jamshedpur M 19 Purbi Singhbhum Patna Y B
14. Karnataka
ALPHA Link Currency Category of branch/Unit
SN BRANCH NAME SOL ID District Zone
CODE Chest A/B/C/CBO/Spl. Unit
1LADYHI Ladyhill 1274 Dakshin Kannad Mangaluru N C
2VJMANV Manvi- Karnataka 6341 Raichur Mangalore N C
3VJAVAT Avathi 6369 Chikkamagaluru Mangalore N C
4VJKAKO Kakotuparambu 6409 Kodagu Mangalore N C
5VJNIVA Nivargi 8456 Vijayapura Mangalore N C
6VJKANS Kansur 6459 Uttar Kannad Mangalore N C
7VJKABI Kalkeri 6331 Vijayapura Mangalore N C
8VJYEPU Yellapur 6460 Uttar Kannad Mangalore N C
9VJDHMA Ramnagar Dharwad 8933 Dharwad Mangalore N B
10VJSUBR Subramanya 7057 Dakshin Kannad Mangalore N C
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11VJSHUD Shirva 8180 Udipi Mangalore N C

12VJBEND Bendoor 7365 Dakshin Kannad Mangalore N C
13VJASDA Ashoknagar 7360 Dakshin Kannad Mangalore N C
14SHABEL Shahapur, Belgaum 2754 Belagavi Mangalore N C
15UDIPI Udupi Court Road Branch 922 Udipi Mangalore N C
16BELGAU Belgaum 523 Belagavi Mangalore N C
17DHARWA Dharwad 1909 Dharwad Mangalore N B
18VJBIJA Bijai 7413 Dakshin Kannad Mangalore N B
19VJTORA Toranagallu 8958 Ballari Mangalore N C
20VJBRHU Broadway Hubli 8929 Dharwad Mangalore N B
21VJMADI Madikeri 6421 Kodagu Mangalore N B
22VJGULB Kalaburgi Main 7376 Kalaburagi Mangalore N B
23VJBIJP Vijaypura Main 8928 Vijayapura Mangalore N B
24VJVIDA Vidyanagar, Davangere 7466 Davangere Mangalore N B
25VJKUNP Kundapura 8202 Udipi Mangalore N B
26SURATH Surathkal 3253 Dakshin Kannad Mangalore N B
27VJSHBH B H Road Shimoga 7397 Shivamogga Mangalore N B
28VJKESH Sarvodaya Circle, Hubli 8950 Dharwad Mangalore N B
29VJDAPU Darbe Puttur 7082 Dakshin Kannad Mangalore Y C
30VJLAMI Lamington Road 8930 Dharwad Mangalore Y C
31HASSAN Hassan Main 3059 Hassan Mangalore Y B
32VJUDUP Udupi K M Marg Branch 7401 Udipi Mangalore Y B
33VJKARW Karwar 6454 Uttar Kannad Mangalore N C
34VJMMAN M S M E-Manipal 7452 Udipi Mangalore N B
35VJKARK Karkala 8201 Udipi Mangalore N B
36BELLAR Bellary 2995 Ballari Mangalore N B
37VJBRAH Brahmavar 7368 Udipi Mangalore N B
38VJDAVA P. B Road Davangere 8932 Davangere Mangalore N B
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39VJMDHA M S M E,Hubli 7430 Dharwad Mangalore N B

40HUBLI Hubli 779 Dharwad Mangalore N B
41VJSHSR S R Raste 8927 Shivamogga Mangalore Y B
42MANGAL Mangalore 525 Dakshin Kannad Mangalore N B
43VJFOUN Founder's Br 7386 Dakshin Kannad Mangalore Y B
44VJDHDA Dharmasthala 7129 Dakshin Kannad Mangalore N A
45VJPEEN Peenya 2nd Stage 8941 Bengaluru Urban Bengaluru N B
46VJSMYS Service Branch, Mysore 8545 Mysuru Bengaluru N CBO
47SERBAN Service Branch, Bengaluru 2151 Bengaluru Urban Bengaluru N CBO
48ALIKOL Alipur 1168 Chikkaballapura Bengaluru N C
49VJBILE Bilekahalli 7920 Bengaluru Urban Bengaluru N C
50VJSNGR Sanjaynagar 8934 Bengaluru Urban Bengaluru N B
51VJRABA Rajajinagar Main 8942 Bengaluru Urban Bengaluru N B
52VJDOML Domlur 7372 Bengaluru Urban Bengaluru N B
53VJHSRL H S R Layout,Bangalore 8960 Bengaluru Urban Bengaluru N B
54VJSABA Sarakki 7415 Bengaluru Urban Bengaluru N B
55VJDEBA Devanahalli 6715 Bengaluru Rural Bengaluru N B
56VJMUSU Bangalore-Msrs Nagar 8963 Bengaluru Urban Bengaluru N B
57VJGANG Ganganagar 7375 Bengaluru Urban Bengaluru N B
58MALLES Malleswaram Main 520 Bengaluru Urban Bengaluru N B
59VJSANK Sankey Road 7395 Bengaluru Urban Bengaluru N C
60VJSHAN Shanthinagar 7396 Bengaluru Urban Bengaluru N B
61VJRCRO Race Course Road 7392 Bengaluru Urban Bengaluru N B
62VASNAG Vasanth Nagar 5908 Bengaluru Urban Bengaluru N B
63VJMAWA 10th Cross, Malleswaram 8939 Bengaluru Urban Bengaluru Y B
64VJKGHA Sme Branch, Bengaluru 7459 Bengaluru Urban Bengaluru N B
65VJBASA Basaveshewara Nagar-Bangalore 7469 Bengaluru Urban Bengaluru N B
66KOLAR Kolar 4035 Kolar Bengaluru N B
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67VJRANA Ramamurthy Nagar 7461 Bengaluru Urban Bengaluru N B

68VJNSPU New Saraswathipuram 8952 Mysuru Bengaluru N B
69KRPURM K P Puram 3496 Bengaluru Urban Bengaluru N B
70MYSORE Mysore 522 Mysuru Bengaluru N B
71VJATTI Attibele 6711 Bengaluru Urban Bengaluru N B
72VJMABL Outer Ring Road, Marathahalli 7453 Bengaluru Urban Bengaluru N B
73VJMBIA M S M E,Bangalore 7431 Bengaluru Urban Bengaluru N B
74VJHBRL H B R Layout 8959 Bengaluru Urban Bengaluru N B
75VJHAL Hal Iii Stage 8957 Bengaluru Urban Bengaluru N B
76VJJAHA Jalahalli 8955 Bengaluru Urban Bengaluru N B
77VJMUDA Muda,Mysore 8926 Mysuru Bengaluru N B
78BANGBS Indiranagar 100ft Road 2874 Bengaluru Urban Bengaluru N B
79VJSAPE Santhepet 8943 Mysuru Bengaluru N B
80VJSARJ Sarjapura 6712 Bengaluru Urban Bengaluru N B
81VJMAYO Mayo Hall 7389 Bengaluru Urban Bengaluru N B
82WHITEF White Field 5879 Bengaluru Urban Bengaluru N B
83VJHOSK Hoskote 6716 Bengaluru Rural Bengaluru N B
84VJMSRI Msrit,Bangalore 8925 Bengaluru Urban Bengaluru N B
85BTMBAN Btm Layout -Iind Stage 2960 Bengaluru Urban Bengaluru N B
86VJGABZ Gandhi Bazar 8949 Bengaluru Urban Bengaluru N B
87HSRBAN Hsr Layout 2959 Bengaluru Urban Bengaluru N B
88VJRESI Residency Road 7394 Bengaluru Urban Bengaluru N B
89NANJAN Nanjangud 4036 Mysuru Bengaluru N B
90PBBBAN Bangalore 2637 Bengaluru Urban Bengaluru N B
91VJVIMY Vijayanagar,Mysore 7440 Mysuru Bengaluru N B
92VJOBAN Overseas,Bangalore 6763 Bengaluru Urban Bengaluru N B
93VJWHIT Whitefield 8951 Bengaluru Urban Bengaluru N B
94JPNAGA J.P.Nagar 2750 Bengaluru Urban Bengaluru N B
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95VJVIJB Hosahalli, Vijayanagar 8945 Bengaluru Urban Bengaluru N B

96VJSOUT South End Road 7398 Bengaluru Urban Bengaluru N B
97VJINBA Indiranagar Main 8924 Bengaluru Urban Bengaluru N B
98SARJAP Sarjapur Road 5789 Bengaluru Urban Bengaluru N B
99JAYANA Jayanagar 764 Bengaluru Urban Bengaluru N B
100STJOHN John Nagar 521 Bengaluru Urban Bengaluru N B
101VJPAOR Palace Orchards 7411 Bengaluru Urban Bengaluru N B
102MARTHA Marathahalli Main 3193 Bengaluru Urban Bengaluru N B
103MIDBEN Mid Corporate, Bengaluru 6481 Bengaluru Urban Bengaluru N A
104BANGAL K G Road 519 Bengaluru Urban Bengaluru N A
105ARMBAN Zonal Sarb, Bengaluru 2594 Bengaluru Urban Bengaluru N A
106BRIGAD Brigade Road 665 Bengaluru Urban Bengaluru Y A
107CORBAN Icfs Branch, Bangalore 2528 Bengaluru Urban Bengaluru N A
15. Kerala
1 TRIVAN Fort, Thiruvananthapuram 0557 Thiruvananthapuram Ernakulam N C
2 SARERN Regional Sarb, Ernakulam 6014 Ernakulam Ernakulam N B
3 VJSERN Service Branch, Kochi 8518 Ernakulam Ernakulam N CBO
4 CHAVAK Chavakkad 4159 Thrissur Ernakulam N B
5 VJCHOT Chottanikkara 6266 Ernakulam Ernakulam N C
6 VJMGRO M G Road 7480 Ernakulam Ernakulam N C
7 VJPALA Railway Station Branch 7481 Palakkad Ernakulam N B
8 CANNAN Cannanore 844 Kannur Ernakulam N C
9 TIRALL Tiruvalla 917 Pathanamthitta Ernakulam N C
10 ERNAKU Ernakulam 560 Ernakulam Ernakulam N B
11 MAVELI Mavelikara 1209 Alapuzha Ernakulam N C
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12 KOTTAY Kottayam 685 Kottayam Ernakulam N B

13 IRINJA Irinjalkuda 563 Thrissur Ernakulam N B
14 QUILON Kollam 558 Kollam Ernakulam N B
15 VJKUND Kundotty 6892 Malappuram Ernakulam Y C
16 VJNETT Nettoor 6264 Ernakulam Ernakulam Y C
17 AMBTRI Ambalathara 4408 Thiruvananthapuram Ernakulam Y C
18 VADAKA Vadakara 4897 Kozhikode Ernakulam Y C
19 VJKLAM Vadayattukotta Road, Kollam 7482 Kollam Ernakulam N C
20 CALICU Calicut 671 Kozhikode Ernakulam N C
21 ERNPOR Ernakulam(N) 965 Ernakulam Ernakulam Y B
22 VJTHIR Thiruvananthapuram Main 7484 Thiruvananthapuram Ernakulam N B
23 KOTMAN Kothamangalam 2507 Ernakulam Ernakulam N B
24 TRICHU Trichur 835 Thrissur Ernakulam N C
25 MIDERN Mid Corporate, Ernakulam 6480 Ernakulam Ernakulam N A
26 PALAYA Palayam 1267 Thiruvananthapuram Ernakulam N A
16. Madhya Pradesh

Link Category of
SN ALPHA CODE BRANCH NAME SOL ID District Zone Currency branch/Unit
1AIRPOR Airport Road 3537 Bhopal Bhopal N B
2KOTRAS Kotra Sultanbad 2171 Bhopal Bhopal N B
3SERBHO Service Branch, Bhopal 6061 Bhopal Bhopal N CBO
4SERIND Service Branch, Indore 2415 Indore Bhopal N CBO
5VJITAR Nehru Ganj, Itarsi 6808 Narmadapuram Bhopal N C
6KURANA Kurana 4670 Bhopal Bhopal N C
7NEELBA Neelbad 4476 Bhopal Bhopal N C
8MAHCHH Maharajpur 507 Chhatarpur Bhopal N C
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9VJJABA M S M E-Jabalpur 7851 Jabalpur Bhopal N B

10BHOPAL Bhopal 496 Bhopal Bhopal N B
11SALAIY Salaiyya 5916 Bhopal Bhopal N C
12JHAGWA Jhansi Road 5753 Gwalior Bhopal Y C
13DHAMNO Dhamnod 3890 Dhar Bhopal Y C
14NIPANY Nipaniya 3219 Indore Bhopal Y C
15DBSOUT South Tukoganj, Indore 7186 Indore Bhopal Y C
16DBNMAK Roshanpura Naka. Bhopal 8823 Bhopal Bhopal Y B
17MIDBHP Mid Corporate, Bhopal 6603 Bhopal Bhopal N A
18PIPHOS Pipariya 4048 Narmadapuram Bhopal N B
19SENDHW Sendhwa 3741 Barwani Bhopal N B
20GOYALN Goyal Nagar 3322 Indore Bhopal N B
21ADAJAB Adarsh Nagar, Jabalpur 3715 Jabalpur Bhopal N B
22TRANSP Transport 1859 Indore Bhopal N B
23KHETIA Khetia 3942 Barwani Bhopal N B
24COLIND A.B.Road 1201 Indore Bhopal N B
25RATLAM Ratlam 504 Ratlam Bhopal N B
26INDIND Industrial Estate, Indore 500 Indore Bhopal N B
27BURHAN Burhanpur 921 Burhanpur Bhopal N B
28KATNI Katni 1972 Katni Bhopal Y B
29ARERAC Arera Colony 2921 Bhopal Bhopal N B
30SIYAGA Siyaganj 502 Indore Bhopal N B
31HABIBG Habibaganj 1860 Bhopal Bhopal N B
32JABALP Jabalpur Main 498 Jabalpur Bhopal N B
33NAVLAK Navlakha Are 826 Indore Bhopal Y B
34GWALIO Gwalior Main 506 Gwalior Bhopal N B
35HOSHRD Hoshangabad Rd, Bhopal 3716 Bhopal Bhopal N B
36MIDIND Mid Corporate, Indore 6528 Indore Bhopal N B
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37ARMBJA Zonal Sarb, Jabalpur 5577 Jabalpur Bhopal N A

38TATYAT Tatyatope 1223 Bhopal Bhopal N B
17. Maharashtra
Link Currency Category Of Branch/Unit
SN ALPHA CODE Branch Name Sol Id District Zone
1MARDI Mardi Solapur 1302 Solapur Pune N C
2DBNPSO Navipeth, Solapur 9862 Solapur Pune N C
3DBDECC Deccan Gymkhana 7062 Pune Pune N B
4RINGRO Ringroad, Jalgaon 1958 Jalgaon Pune N B
5DBAHMA Ahmednagar Chitale Road 9770 Ahmadnagar Pune N C
6DBNAND Anand Nagar Nanded 7886 Nanded Pune N C
7DBMIDC Midc Amravati 7331 Amravati Pune N B
8DBAKOL M G Road Akola 7247 Akola Pune N C
9SARNAS Regional Sarb, Nasik 6030 Nasik Pune N B
10SARNAG Regional Sarb, Nagpur 5991 Nagpur Pune N B
11SERPUN Service Branch, Pune 2177 Pune Pune N CBO
12SERNAG Service Branch, Nagpur 2404 Nagpur Pune N CBO
13DBMUDK Mudkhed 7106 Nanded Pune N C
14SHRIRA Shrirampur 458 Ahmadnagar Pune N C
15AMALNE Amalner 1228 Jalgaon Pune N C
16VJNASI M G Road, Nashik 7613 Nasik Pune N B
17BHAPUN Bhandarkar Rd, Pune 4616 Pune Pune N B
18NANNAG Nandanvan Rd 2762 Nagpur Pune N C
19HADAPS Hadapsar Vaiduwadi 2483 Pune Pune N B
20VJSHIR Shirdi 7974 Ahmadnagar Pune N C
21GANNAS Gangapur Rd. 2785 Nasik Pune N B
22LALBAH Lbs Marg 1532 Pune Pune N C
96 | P a g e
23SAHPUN Sahakarnagar 4422 Pune Pune N B

24NANDED Nanded Main 860 Nanded Pune N C
25NASIKR Nasik Road 475 Nasik Pune N C
26AMRAVA Amravati Main 468 Amravati Pune N B
27KOTHRU Kothrud 3215 Pune Pune N B
28PIMPAL Midc Satpur, Nashik 1136 Nasik Pune N B
29AKURDI Pcntda Akurdi 5981 Pune Pune N C
30SADASH Pune Vidhyarthi Gruh 450 Pune Pune N C
31SUBHAS Subhas Nagar 791 Pune Pune N B
32 DEOLAL Deolali 474 Nasik Pune N C
33SATARA Satara 442 Satara Pune N C
34AMBAZA Laxminagar, Nagpur 604 Nagpur Pune N B
35SHIPOO Shivaji Nagr 451 Pune Pune N B
36STAPOO Station Road 452 Pune Pune N C
37ASHOKN Ashok Nagar 1742 Pune Pune N B
38KARVEN Karvenagar, Pune 3861 Pune Pune N C
39ICHALK Ichalkaranji 436 Kolhapur Pune N B
40POOSEN Senapati Bapat Road 691 Pune Pune N B
41NASIKC Nasik City 473 Nasik Pune N B
42DRCCHI Pcmc Premises 3106 Pune Pune N B
43DBMCAM Malegaon Camp 9754 Nasik Pune Y C
44RASPOO Rastapeth 1051 Pune Pune Y C
45DBPCMP M G Road 7011 Pune Pune N B
46POOCAM Pune Camp 449 Pune Pune N B
47MALEGA Malegaon Main 472 Nasik Pune N B
48BARAMA Baramati Main 881 Pune Pune N B
49KALPUN Kalyaninagar 3171 Pune Pune N B
50PRANAG Pratap Nagar 3359 Nagpur Pune N B
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51GANNAG Gandhibag Na 466 Nagpur Pune N B

52PIMPLE Pimple Saudagar, Pune 3758 Pune Pune N B
53VJCHIN Hal Chinchwad 8972 Pune Pune N B
54AUNDH Aundh, Pune 3860 Pune Pune N B
55VJSADP Sadashivpeth 8974 Pune Pune N C
56GOLFCL Golf Club 1766 Nasik Pune Y B
57AURANG Aurangabad Main 460 Aurangabad Pune N B
58INDAHM I.E.Ahmednag 1394 Ahmadnagar Pune N B
59DHULIA Dhulia 477 Dhule Pune N B
60GENPUN Gen Next, Pune 3011 Pune Pune N B
61SITABU Sitabuldi 467 Nagpur Pune N B
62KARVER Karve Road 447 Pune Pune N B
63PAUDRO Paud Road 2002 Pune Pune N B
64CHINCH Pimpri Chinchwad Main 723 Pune Pune N B
65KHARAD Kharadi 3705 Pune Pune N B
66SSIPIM Chakan 2580 Pune Pune N B
67HINGAN Hinganghat 928 Wardha Pune N B
68GARAUR Garkheda 2781 Aurangabad Pune N B
69ITWARI Itwari, Nagpur 707 Nagpur Pune N B
70SHOLAP Sholapur Main 437 Solapur Pune N B
71UDGAON Akiwate Udyamnagar 1449 Kolhapur Pune N B
72GULTEK Gultekdi 1515 Pune Pune N B
73PANDHA Pandharpur 438 Solapur Pune N B
74JALGAO Jalgaon 480 Jalgaon Pune N B
75LATUR Latur 990 Latur Pune N B
76VJWAKA Wakad, Pune 8399 Pune Pune N B
77AKLUJ Akluj 885 Solapur Pune N B
78SANGLI Sangli 441 Sangli Pune N B
98 | P a g e
79MAHRAT Ratnagiri 1013 Ratnagiri Pune N B

80SHAHUP Shahupuri Ko 435 Kolhapur Pune N B
81SANGAM Sangamner 457 Ahmadnagar Pune N A
82SHIKOL Shivaji Chok 434 Kolhapur Pune N B
83DHARAM Dharampeth 465 Nagpur Pune Y A
84MIDPNE Mid Corporate, Pune 6484 Pune Pune N A
85ARMPUN Zonal Sarb, Pune 5612 Pune Pune N A
86CORPUN Cfs Branch, Pune 2534 Pune Pune N A
87DBKALI Cst Road, Kalina 9946 Mumbai Suburban Mumbai N C
88DBTHEN Vashi Sec 6 9902 Thane Mumbai N B
89DBMONT Sardar V P Road Mount Poinsur 9948 Mumbai Suburban Mumbai N C
90Special unit - Other BCC - OA Dept Special Unit - Other Mumbai Mumbai N Other Unit
91Special unit - Other CBODPO Special Unit - Other Mumbai Mumbai N Other Unit
92SERBOM Service Branch, Mumbai 1995 Mumbai Mumbai N CBO
93SHIHU Shihu 5147 Raigad Mumbai N C
94DBKLAM Kalamb 9982 Raigad Mumbai N C
95DBDIGA Digashi 9895 Thane Mumbai N C
96DBVGAO Vangaon 9887 Palghar Mumbai N C
97NALASO Nallasopara 3190 Palghar Mumbai N C
98VASHID Vashind 3688 Thane Mumbai N C
99BHITHA Bhivandi 3394 Thane Mumbai N C
North Avenue Road, Santacruz
100VJSANW 7600 Mumbai Suburban Mumbai N C
West
101DOMWES Dombivali(W) 2787 Thane Mumbai N C
102DAHEAS Dahisar East 4042 Mumbai Suburban Mumbai N B
103DBBORE Sukurwadi Borivali East 9944 Mumbai Suburban Mumbai N C
104DBVWST Dj Road Branch Vile Parle West 9945 Mumbai Suburban Mumbai N C
105DBZAVE Zaveri Bazar 7013 Mumbai Mumbai N C
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106VJCHEM R C Marg Branch, Chembur 8971 Mumbai Suburban Mumbai N C

107TISGAO Tisgaon Naka 2769 Thane Mumbai N C
108CHEBOM Govandi 1847 Mumbai Suburban Mumbai N C
109CHUNAB Chunabhatti 916 Mumbai Suburban Mumbai N B
110VJVASH Vashi Sec 10 8976 Thane Mumbai N C
111DBYOGI Yoginagar 9968 Mumbai Suburban Mumbai N C
112SAIULH Ulhasnagar Sec 5 3628 Thane Mumbai N C
113PRABHA Prabhadevi 1253 Mumbai Mumbai N C
114MAJIWA Majiwada 427 Thane Mumbai N B
Mahatma Phule Road, Mulund
115DBMULE 9970 Mumbai Suburban Mumbai N C
East
116CHARKO Charkop K(W) 2641 Mumbai Suburban Mumbai N C
117DBMULW M.G Road, Mulund West 9963 Mumbai Suburban Mumbai N C
118MIRARO Mira Road 3014 Thane Mumbai N C
119AMBOLI Amboli, Andheri (W) 4086 Mumbai Suburban Mumbai N C
120JACOBC Jacob Circle 2448 Mumbai Mumbai N C
121DBKANW M.G Road Kandivali West 9973 Mumbai Suburban Mumbai N C
122THAVIL Thakur Village 3077 Mumbai Suburban Mumbai N B
123JOGWES Jogeshwari (W) 3226 Mumbai Suburban Mumbai N C
124SANPAD Sanpada 3298 Thane Mumbai N C
125MAHAVI Mahavir Nagar Kandivli(W) 3412 Mumbai Suburban Mumbai N B
126DBVEST Nehru Road, Vile Parle East 9971 Mumbai Suburban Mumbai N B
127KURLA Kurla-Bail B 1975 Mumbai Suburban Mumbai N C
128MULEAS Mulund(East) 3617 Mumbai Suburban Mumbai N B
129MARINE Marine Drive 405 Mumbai Mumbai N B
130POINSU Mountpoinsur 2289 Mumbai Suburban Mumbai N B
131MANDVI Mandvi, Mumbai 403 Mumbai Mumbai N C
132WADALA Wadala 421 Mumbai Mumbai N C
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133LALBAU Lalbaug 3338 Mumbai Mumbai N C

134BOREAS Borivali (E) 1621 Mumbai Suburban Mumbai N B
135BHAEAS Bhayander-East 2532 Thane Mumbai N C
136WALKES Walkeshwar 613 Mumbai Mumbai N C
137DAHISA Dahisar 712 Mumbai Suburban Mumbai N C
138POWBOM Powai-Mumbai 2414 Mumbai Suburban Mumbai N B
139TARDEO Tardeo Road 1246 Mumbai Mumbai N C
140ULHASN Ulhasnagar Sector-2 425 Thane Mumbai N C
Pushpakunj Branch , Santacruz
141SANEAS 413 Mumbai Suburban Mumbai N C
East
142THAKUR Thakurdwar 418 Mumbai Mumbai N C
143BHULAB Bhulabhai Rd 670 Mumbai Mumbai N B
144JOGESH Jogeshwari 966 Mumbai Suburban Mumbai N C
Dr Annie Beasant Road, Worli
145DBWORL 9916 Mumbai Mumbai N B
Naka
146MCPALI Pali Road, Bandra(W) 3602 Mumbai Suburban Mumbai N C
147SION Sion 416 Mumbai Mumbai N B
148NEPEAN Nepean Sea Road 408 Mumbai Mumbai N C
149DOMBIV Dombivali 733 Thane Mumbai N C
150VPROAD V P Road, Mumbai 1310 Mumbai Mumbai N B
151BALBOM Ballard Estate 383 Mumbai Mumbai N B
152VEEBOM Veenanagar 2007 Mumbai Suburban Mumbai N B
153ALTAMO Altamount Rd 379 Mumbai Mumbai N C
154CHEMBU Chembur 669 Mumbai Suburban Mumbai N B
155AKURLI Kandivli (E) 2004 Mumbai Suburban Mumbai N B
156KHETWA Khetwadi 401 Mumbai Mumbai N C
157SHIBOR Shimpoli 2026 Mumbai Suburban Mumbai N C
158CUFFEP Cuffe Parade 695 Mumbai Mumbai N C
159MALAD Malad-West 402 Mumbai Suburban Mumbai N C
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160MULUND Mulund 407 Mumbai Suburban Mumbai N B

161FORTUN Fort University, Mumbai 696 Mumbai Mumbai N C
162DBKYAN Shivaji Chowk, Kalyan West 9914 Thane Mumbai N C
163GAMDEV Gamdevi 394 Mumbai Mumbai N B
164MALEAS Malad-East 1247 Mumbai Suburban Mumbai N B
165VJBAND Hill Road Bandra 8970 Mumbai Suburban Mumbai N B
166HARKNE Malbar Hill 603 Mumbai Mumbai N B
167SANWES Santacruz(W) 414 Mumbai Suburban Mumbai N B
168KALINA Kalina 672 Mumbai Suburban Mumbai N B
169KHAR Khar 399 Mumbai Suburban Mumbai N C
170COLABA Colaba 391 Mumbai Mumbai N B
171THAEAS Thane-East 1248 Thane Mumbai N C
172KANDIV Kandivali(W) 397 Mumbai Suburban Mumbai N B
173NERUL Nerul 2741 Thane Mumbai N C
174DBKAMB Kalamboli Steel Market 9900 Raigad Mumbai Y C
175DBBMMO Mumbai Main Office 7008 Mumbai Suburban Mumbai Y C
176VJDRAM Sme Branch, Jogeshwari 7633 Mumbai Suburban Mumbai N C
177NRIMUM Nri Mumbai 2792 Mumbai Mumbai N C
178KALYAN Kalyan 426 Thane Mumbai N B
179BACKBA Backba Recla 382 Mumbai Mumbai N B
180KHANDB Khandbazar 398 Mumbai Mumbai N B
181GULALW Gulalwadi 1439 Mumbai Mumbai N B
182GOREAS Goregao-East 1758 Mumbai Suburban Mumbai N B
183VILEAS Vile Parle (E) 419 Mumbai Suburban Mumbai N B
184ZAVERI Zaveri Bazar 423 Mumbai Mumbai N B
185GHAEAS Ghatkopar(E) 1378 Mumbai Suburban Mumbai N B
186SHIBOM Shivaji Park 415 Mumbai Mumbai N B
187VJANDH Andheri(W) 8975 Mumbai Suburban Mumbai N B
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188BANDRA Bandra-West 384 Mumbai Suburban Mumbai N B

189GHATKO Ghatkopar(W) 395 Mumbai Suburban Mumbai N B
190CHANDA Chandavarkar Road, Matunga 406 Mumbai Mumbai N B
191VJBORW Premnagar Borivali West 8977 Mumbai Suburban Mumbai N B
192VERSOV Dn Nagar Branch, Versova 1705 Mumbai Suburban Mumbai N B
193THANA Thane-West 424 Thane Mumbai N B
194VJGORE Goregaon(W) 8973 Mumbai Suburban Mumbai N B
195GOREGA Jawahar Nagar Goregaon West 816 Mumbai Suburban Mumbai Y B
196SIRPMR Sir P.M.Road 417 Mumbai Mumbai N B
197PANVEL Panvel 432 Raigad Mumbai N B
198CRAWFO Crawford Market 392 Mumbai Mumbai N B
199BANEAS B.K. Complex 2904 Mumbai Suburban Mumbai Y B
200PBBMUM Pbb-Mumbai 2794 Mumbai Mumbai N B
201BORIVL Borivali (W) 386 Mumbai Suburban Mumbai N B
202LOKHAN Lokhandwala Complex 3122 Mumbai Suburban Mumbai N B
203SARMMS Regional Sarb, Mumbai 6004 Mumbai Mumbai N B
204VILWES Vile Parle West 420 Mumbai Suburban Mumbai N B
205OPERAH Opera House 409 Mumbai Mumbai N B
206VASHI Vashi 1043 Thane Mumbai N B
207DBSUN Sunmill Compound 9929 Mumbai Mumbai N A
208BHABOM Bhandup 762 Mumbai Suburban Mumbai Y B
209SAKINA Sakinaka 412 Mumbai Suburban Mumbai N B
210DBJUHU Jvpd Juhu 7124 Mumbai Suburban Mumbai Y B
211BULLIO Mulji Jetha 387 Mumbai Mumbai N B
212CHAKAL Chakala 588 Mumbai Suburban Mumbai N B
213ANDHER S.V.Road Andheri West 380 Mumbai Suburban Mumbai N B
214INTMUM Ibb Kandivali 2611 Mumbai Suburban Mumbai N B
215FORTAP Mumbai Main 381 Mumbai Mumbai Y A
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216VJEXCE Sme Branch -1, Nariman Point 7591 Mumbai Mumbai N A

217NARIMA Nariman Point 1292 Mumbai Mumbai N B
218MIDBOM Mid Corporate, Nariman Point 4275 Mumbai Mumbai N A
219WORLI Worli 422 Mumbai Mumbai N B
220ARMBOM Zonal Sarb, Mumbai 2585 Mumbai Mumbai N A
Stressed Assets Management
221SAMMUM 6154 Mumbai Mumbai N A
Branch, Mumbai
222CFSBAL Icfs Branch, Mumbai 2910 Mumbai Mumbai N A
223MIDBDR Cfs Branch, Bandra 4276 Mumbai Suburban Mumbai N A
18. Manipur
1 IMPHAL Imphal 1016 Imphal West Kolkata N C
19. Meghalaya
1 SHILLO Shillong 2 East Khasi Hills Kolkata N B
2 VJSHIL Jail Road 7900 East Khasi Hills Kolkata N C
20. Nagaland
1 DIMAPU Dimapur 1017 Dimapur Kolkata N B
21. New Delhi

ALPHA SOL Link Currency Category of branch/Unit
SN BRANCH NAME District Zone
CODE ID Chest A/B/C/CBO/Spl. Unit
104 | P a g e
1 DBNAWA Nawada Village 7312West Delhi New Delhi N C

2 SADARB Sadar Bazar 91Central Delhi New Delhi N C
3 SERDEL Service Branch, New Delhi 1997New Delhi New Delhi N CBO
4 MUKDEL Dr. Mukherjee Nagar 3629North Delhi New Delhi N C
5 VJPAVI Paschim Vihar, New Delhi 7686West Delhi New Delhi N C
6 VJGRKA Greater Kailash-Ii 7674South Delhi New Delhi N C
7 DCJANA Janakpuri West 2760West Delhi New Delhi N C
8 PASVIH Paschim Vihar B Block 3196West Delhi New Delhi N C
9 MUNIRK Munirka 2928South Delhi New Delhi N C
10 TRDBHA Bharat Nagar 2132South-East Delhi New Delhi N C
11 MODELT Model Town 90North Delhi New Delhi N C
12 SHADEL Shalimarbagh 2744North-West Delhi New Delhi N C
13 PUNJAB Punjabi Bagh Club Road 1299West Delhi New Delhi N C
14 TRDNAH Naharpur 2118North-West Delhi New Delhi N C
15 VJMLON M S M E,Loni Road 8984Shahdara New Delhi N C
16 MANDAO Mandoli 643Shahdara New Delhi N C
17 VJKARO Padam Singh Road, Karolbagh 7663Central Delhi New Delhi N C
18 BLYROH Sec-9 Rohini 2720North-West Delhi New Delhi N C
19 VISDEL Vishakha Enclave 1941North-West Delhi New Delhi N C
20 VJRADE Raja Garden 7676West Delhi New Delhi N C
21 TRDAZA Bharola 2142North Delhi New Delhi N C
22 PAHARG Pahargunj 98Central Delhi New Delhi N C
23 KAIDEL East Kailash 963South-East Delhi New Delhi N C
24 CHANAK Chanakyapuri 94New Delhi New Delhi N C
25 TRDNAW Nawada, Delhi 2125West Delhi New Delhi N C
26 VJKRPA Krishna Park 7666West Delhi New Delhi N B
27 GREATE Greater Kailash-I 96South Delhi New Delhi N C
28 DAWARK Dwarka Main, Vardhman Plaza 3030South-West Delhi New Delhi N B
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29 TRDCHW Chowkbara 2135East Delhi New Delhi N C

30 RAMDEL Dr.Lohia Hospital 2602New Delhi New Delhi N B
31 JAWAHA Jawaharnagar 2175North Delhi New Delhi N C
32 SHAKAR Shakarpur 1652East Delhi New Delhi N C
33 SOUTHE Defence Colony Block A 99South-East Delhi New Delhi N C
34 TRDPAT Patparganj 2129East Delhi New Delhi N C
35 PREETV Preet Vihar 4154East Delhi New Delhi N C
36 SAFEC Safdarjung Hospital 2640South Delhi New Delhi N C
37 NIRDEL Nirman Bhava 2603New Delhi New Delhi N C
38 INDNAR Naraina Ind. 792South-West Delhi New Delhi N B
39 VJCAND Cantonment Delhi 8980New Delhi New Delhi N B
40 VJBCPL Bhikaji Cama Place 8983South Delhi New Delhi N C
41 VJRAM Ramnagar 7670Central Delhi New Delhi Y C
42 MAUDEL Maurya Encla 1904North-West Delhi New Delhi Y C
43 DARYAG Daryaganj 824Central Delhi New Delhi Y B
44 BLYDEF Vikas Marg 2717East Delhi New Delhi N B
45 JANAKP Janakpuri 1287West Delhi New Delhi N B
46 NRIDEL Nri New Delhi 2638New Delhi New Delhi N B
47 PUSARO Rajendra Place, Delhi 686Central Delhi New Delhi N B
48 VJCCWK Town Hall, Chandni Chowk 8979Central Delhi New Delhi N B
49 VJDEFE Defence Colony Block F 7662South-East Delhi New Delhi N B
50 KAROLB Karolbaug 97Central Delhi New Delhi N B
51 KARDEL Karkardooma 2609Shahdara New Delhi N B
52 INDHAU Hauz-Khas 2275South Delhi New Delhi N B
53 DELWAZ Ashok Vihar 713North Delhi New Delhi N B
54 CURZON Kasturba Gandhi Marg 623New Delhi New Delhi N B
55 PARLIA Parliament 586New Delhi New Delhi Y A
56 NEHRUP Nehru Place 1059South Delhi New Delhi N A
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57 VJODEL Mid Corporate, New Delhi 6210New Delhi New Delhi N A

58 OVERSE Sme Branch, Delhi 2100New Delhi New Delhi N A
59 ARMDEL Zonal Sarb, New Delhi 2639New Delhi New Delhi N A
60 CONNAU B-3 Conought 95New Delhi New Delhi N B
61 SAMDEL Stressed Assets Management Branch, New Delhi 6152New Delhi New Delhi N A
62 INDEL Icfs Branch, New Delhi 2158New Delhi New Delhi N A
22. Odisha
1BHIMAT Bhimatangi 6146 Khurda Patna N C
2NAMANG Paralakhemud 2347 Gajapati Patna N C
3CHHATR Chhatrapur 3505 Ganjam Patna N C
4SONEPU Sonepur 3428 Sonepur Patna N C
5ANGUL Angul 2635 Anugul Patna N C
6SWARGD Pu.Swargdwar 2429 Puri Patna N C
7BERGAN Berhampur 1459 Ganjam Patna N B
8BARIPA Baripada 2962 Mayurbhanj Patna N C
9BARBIL Barbil 48 Keonjhar Patna N C
10ATHARB Paradip 2607 Jagatsinghpur Patna N C
11SAMBAL Sambalpur 2559 Sambalpur Patna N B
12VJBHUB Bhubaneshwar 7830 Khurda Patna Y C
13CUTTAC Cuttack 47 Cuttack Patna Y B
14SARBHU Regional Sarb, Bhubaneswar 6012 Khurda Patna N B
15BHUBAN Bhubaneshwar 688 Khurda Patna N B
16CFSBHU Mid Corporate, Bhubaneswar 6150 Khurda Patna N A
23. Puducherry
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1 PONDIC Pondicherry 564 Puducherry Chennai N B
24. Punjab
1GIDAR Gidar Pindi 1840Jalandhar Chandigarh N C
2DBAMRI New Market,Amritsar 7094Amritsar Chandigarh N C
3TAGLUD Tagore Nagar 1688Ludhiana Chandigarh N C
4HOSHIA Hoshiarpur 960Hoshiarpur Chandigarh N C
5PHAGWA Phagwara 810Kapurthala Chandigarh N C
6PAULUD Punjab Agriculture University 2938Ludhiana Chandigarh N C
7SAMLUD Samrala Road 1959Ludhiana Chandigarh Y C
8KENNED Kennedy Aven 797Amritsar Chandigarh Y C
9NEHJUL Nehru Garden 1462Jalandhar Chandigarh Y C
10DBCHLU Chandigarh Road, Ludhiana 8591Ludhiana Chandigarh Y C
11AMRITS Town Hall 101Amritsar Chandigarh N C
12MIDLDH Mid Corporate, Ludhiana 6511Ludhiana Chandigarh N B
13JULLUN G.T.Road 102Jalandhar Chandigarh N B
14MILLER Millerganj 3185Ludhiana Chandigarh N B
15LUDHIA Clock Tower 103Ludhiana Chandigarh N B
16VJMAFA M S M E-Mandi Govingarh 6615Fatehgarh Sahib Chandigarh N B
17MOHALI Sasnagar 2780Sahibzada Ajit Singh Nagar Chandigarh N B
18PATIAL Patiala Main 100Patiala Chandigarh N B
25. Rajasthan
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1SERJAI Service Branch, Jaipur 2195 Jaipur Jaipur N CBO

2VJRAJS Rajsamand 6778 Rajsamand Jaipur N C
3ALIKOT Aligarh 3809 Tonk Jaipur N C
4MAYAJM Mayo College 3021 Ajmer Jaipur N C
5DURJAI Durgapura 3392 Jaipur Jaipur N B
6BEAWAR Beawar 662 Ajmer Jaipur N B
7MULJAI Msa Jaipur 1436 Jaipur Jaipur N B
8MANJAI Sec6.Mansar 2459 Jaipur Jaipur N B
9POWERH Power House 114 Jaipur Jaipur N B
10MALJAI Malavianagar 2911 Jaipur Jaipur N B
11UNIJOD Uni.Jodhpur 571 Jodhpur Jaipur N B
12NATHDW Nathdwara 1030 Rajsamand Jaipur N B
13VAISHA Vaishali Nagar 1737 Ajmer Jaipur N C
14JAICOM Udyog Bhavan 1463 Jaipur Jaipur N C
15VIDJAI Vidyadharngr 2920 Jaipur Jaipur N B
16BARMER Barmer 1235 Barmer Jaipur N B
17SAMBIK Samta Nagar 4204 Bikaner Jaipur Y C
18STAJAI Station Road 1026 Jaipur Jaipur Y B
19RAIAJM Rly. Campus 1285 Ajmer Jaipur Y B
20ALWDEL Delhi Road, Alwar 2150 Alwar Jaipur Y B
21CHURU Churu 130 Churu Jaipur Y B
22DAUSA Dausa 2548 Dausa Jaipur Y B
23TRIPOL Tripolia Bazar 1286 Jaipur Jaipur N B
24JOHARI Johri Bazar 115 Jaipur Jaipur N B
25AJMER Ajmer Main 123 Ajmer Jaipur N B
26KANUDA SSI Kankroli 1692 Rajsamand Jaipur N B
27UDARAJ Market Yard 1620 Udaipur Jaipur N B
28JAISAL Jaisalmer 852 Jaisalmer Jaipur N B
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29STASIK Sikar 1029 Sikar Jaipur N B

30SUDSAR Sudsar 1384 Bikaner Jaipur N B
31NAGAUR Nagaur 1028 Nagaur Jaipur N B
32 BHAHAN Bhadra 2913 Hanumangarh Jaipur N B
33SRIGAN Sriganga Nag 815 Ganganagar Jaipur N B
34PHAJOD Phalodi 3528 Jodhpur Jaipur N B
35GNBHIL Gandhi Nagar 3951 Bhilwara Jaipur N B
36TALWAN Talwandi,Kota 5465 Kota Jaipur N B
37TALERA Talera 144 Bundi Jaipur N B
38SARCHU Sardar Shahr 1216 Churu Jaipur N B
39BORANA Sez Boranada 3173 Jodhpur Jaipur N B
40SITJAI Sitapura 3078 Jaipur Jaipur N B
41NATHUS Nathusar Gate 2657 Bikaner Jaipur N B
42CHITTO Chittor Garh 140 Chittaurgarh Jaipur N B
43INDBAI Bais Godam Industrial Area, Jaipur 2522 Jaipur Jaipur N B
44NIMBAH Nimbahera 778 Chittaurgarh Jaipur N B
45ALWAR Alwar 668 Alwar Jaipur N B
46VAIJAI Vaishalinagar 2961 Jaipur Jaipur N B
47BANSWA Banswara 139 Banswara Jaipur N B
48HANUMA Hanumangarh 2583 Hanumangarh Jaipur N B
49BUNDI Bundi 143 Bundi Jaipur N B
50JODHPU Jodhpur Main 136 Jodhpur Jaipur N B
51BIKANE Bikaner 135 Bikaner Jaipur N B
52MAKOTA Mahaveer Nagar, Kota 3192 Kota Jaipur N B
53BARAN Baran 2556 Baran Jaipur N B
54SSIBHI SSI Bhilwara 2579 Bhilwara Jaipur N B
55INDMAD Industrial Area 4121 Ajmer Jaipur N B
56KISAJM Kishan Garh 661 Ajmer Jaipur N B
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57BHILWA Bhilwara 122 Bhilwara Jaipur N B

58NEHJAI Nehru Place 2160 Jaipur Jaipur N B
59PALI Pali 979 Pali Jaipur N B
60KOTRAJ Kota Jhalawar Road 837 Kota Jaipur Y B
61ARMJAI Regional Sarb, Jaipur 5475 Jaipur Jaipur N B
62VJTONK Sme Branch, Jaipur 7708 Jaipur Jaipur N B
63INDJAI SSI Jaipur 710 Jaipur Jaipur Y B
64SRIDUN Sri Dungargarh 1429 Bikaner Jaipur N B
65INDSUK SSI Sukher 2437 Udaipur Jaipur N B
66INDJOD I.E.Marudhar, Jodhpur 1872 Jodhpur Jaipur Y B
67JAIINT Ibb Jaipur 2475 Jaipur Jaipur N B
68UDAIPU Udaipur Main 137 Udaipur Jaipur Y B
69DBBLWD Sme Branch, Bhilwara 9230 Bhilwara Jaipur N A
70MIDJPR Mid Corporate, Jaipur 6505 Jaipur Jaipur N A
71MIROAD M.I.Road 113 Jaipur Jaipur N B
72MIDBHI Mid Corporate, Bhilwara 6537 Bhilwara Jaipur N A
26. Sikkim
1GANGTO Gangtok 2495 Gangtok Kolkata N B
27. Tamil Nadu

1VJRED Red Hills 6965 Thiruvallur Chennai N C
2VJSCOI Service Branch, Coimbatore 8512 Coimbatore Chennai N CBO
3SERMAS Service Branch, Chennai 1996 Chennai Chennai N CBO
4VJNENM Nenmeli 6957 Chengalpattu Chennai N C
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5DBTLAM Thandalam 8651 Kancheepuram Chennai N C

6SSITIR SSI Tirupur 2655 Tiruppur Chennai N B
7DHADHA Dharmapuri 548 Dharmapuri Chennai N B
8SENJER Senjerimalaiadipalayam 1114 Coimbatore Chennai N B
9KODAMB Kodambakkam 4951 Chennai Chennai N C
10STTHOM Thomas Mount 534 Chengalpattu Chennai N C
11CHENBS West Mambala 2873 Chennai Chennai N C
12COLMAD Siet.College 531 Chennai Chennai N C
13SITHAL Sithalapakkam 5328 Chengalpattu Chennai N C
14PURASA Purasawakkam 641 Chennai Chennai N B
15MRCNAG M.R.C.Nagar 1969 Chennai Chennai N C
16RKNAGA Ramkrishna Nagar 814 Chennai Chennai N B
17KKNAGA K.K.Nagar 1885 Chennai Chennai N B
18ECSTRE E C Street 526 Chennai Chennai N B
19VJTUTI Tuticorin Damodharan Nagar Branch 7038 Toothukudi Chennai N C
20VJVARO Venkatnarayana Road 7512 Chennai Chennai Y C
21PERUND Perundurai 551 Erode Chennai Y C
22VJMADU Madurai West Masi Street Branch 7493 Madurai Chennai Y C
23MANACH Manachanallu 541 Tiruchirapalli Chennai Y C
24MADAKU Chokkikulam 554 Madurai Chennai Y B
25VJNARO Nanjappa Road 8966 Coimbatore Chennai Y B
26SMECOI Sme Branch, Coimbatore 6589 Coimbatore Chennai N C
27SMECHE Sme Branch, Chennai 6910 Chennai Chennai N C
28VJARUM Arumbakkam 6942 Chennai Chennai N C
29THILLA Thillai Nagar 2748 Tiruchirapalli Chennai N C
30DBNUNG Sterling Road Branch Nungambakkam 7194 Chennai Chennai N B
31POONME Ponmeni 555 Madurai Chennai N B
32 TUTICO Tuticorin 708 Toothukudi Chennai N B
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33RAJAPA Rajapalayam 1731 Virudhunagar Chennai N B

34POLLAC Pollachi 1031 Coimbatore Chennai N B
35TAMBAR Tambaram 2632 Chengalpattu Chennai N B
36NUNGAM Nungam Banka 804 Chennai Chennai N B
37CMRABS Ramnagar 2876 Coimbatore Chennai N B
38THEAGA T Nagar 532 Chennai Chennai N B
39AMBATT Ambattur 533 Thiruvallur Chennai N B
40KARUR Karur Main 2519 Karur Chennai N B
41NORTHB Rajaji Road 529 Chennai Chennai N B
42KOLATH Kolathur 1968 Chennai Chennai N B
43COIMBA Coimbator(M) 547 Coimbatore Chennai Y B
44MADOVE Ibb Chennai 2169 Chennai Chennai N B
45MOUNTR Mount Road 528 Chennai Chennai N A
46ARMMAS Zonal Sarb, Chennai 2631 Chennai Chennai N B
47COTTON Cotton Market 1893 Tiruppur Chennai N B
48EGMORE Egmore 1273 Chennai Chennai N A
49ERODE Erode Main 763 Erode Chennai N A
50MYLAPO Mylapore 527 Chennai Chennai Y A
51MIDCMB Mid Corporate, Coimbatore 6472 Coimbatore Chennai N A
52MIDCHN Mid Corporate, Chennai 6476 Chennai Chennai N A
Stressed Assets Management Branch,
53SAMCHE 6153 Chennai Chennai N A
Chennai
54INFIMA Cfs Branch, Chennai 2403 Chennai Chennai N A
28. Telangana
1 TARNAK Tarnaka 3326 Medchal-Malkajgiri Hyderabad N B
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2 SERHYD Service Branch, Hyderabad 2180 Hyderabad Hyderabad N CBO

3 BOINPA Boinpally 2473 Medchal-Malkajgiri Hyderabad N B
4 HIMHYD Himayat Nagar 3390 Hyderabad Hyderabad N B
5 BARKAT Barkatpura 644 Hyderabad Hyderabad N B
6 VJSOMA Somajiguda Branch 7550 Hyderabad Hyderabad N C
7 MARRED Marredpally 1262 Hyderabad Hyderabad N B
8 GADDIA Gaddiannaram 2539 Rangareddi Hyderabad Y B
9 VJBASS Bank Street 7536 Hyderabad Hyderabad N B
10 KHAMMA Gandhi Chowk Branch, Khammam 2499 Khammam Hyderabad N B
11 VJNARA Sme Branch, Hyderabad 7563 Hyderabad Hyderabad N B
12 TILHYD Tilaknagar 2420 Hyderabad Hyderabad N B
13 VJVCHY Vijayanagar Colony 7554 Hyderabad Hyderabad N B
14 VJCHAN Chandanagar 8969 Rangareddi Hyderabad N B
15 KHAIRA Khairatabad 954 Hyderabad Hyderabad N B
16 SERILI Serilingampalli 4622 Rangareddi Hyderabad N B
17 PBBHYD Pbb-Hyderabad 2661 Hyderabad Hyderabad N B
18 KUKATP Kukatpally,Hyderabad 3056 Medchal-Malkajgiri Hyderabad N B
19 HYDERA Hyderabad Main 511 Hyderabad Hyderabad Y B
20 CYBHYD Gen Next, Hi-Tech City 2753 Rangareddi Hyderabad N B
21 JUBILE Jubilee Hills, Hyderabad 1809 Hyderabad Hyderabad N B
22 VJNAKU Nallakunta 7545 Hyderabad Hyderabad N B
23 ARMHYD Zonal Sarb, Hyderabad 2736 Hyderabad Hyderabad N A
24 SECUND M.G.Road Secundrabad 512 Hyderabad Hyderabad N B
25 INDHYD Mid Corporate, Hyderabad 2521 Hyderabad Hyderabad N A
29. Uttar Pradesh

1 NEWARY New Arya Nagar, Ghaziabad 3821Ghaziabad New Delhi N C
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2 ABHAYK Abhay Khand, Ghaziabad 4272Ghaziabad New Delhi N C

3 GENOID Gen Next, Noida 3372Gautam Buddha Nagar New Delhi N B
4 TRDSUR Suryanagar 2127Ghaziabad New Delhi N C
5 VIJGHA Vijaynagar 3158Ghaziabad New Delhi N C
6 VJNOID Noida Complex 7003Gautam Buddha Nagar New Delhi N B
7 RAJNAG Rajnagar 2186Ghaziabad New Delhi N B
8 YEIDA Yamuna Expressway Ind'l Dev Authority 4996Gautam Buddha Nagar New Delhi N C
9 NOIDA Sec-29 Noida 2629Gautam Buddha Nagar New Delhi N B
10 GAMNOI Sector Gamma 2 9825Gautam Buddha Nagar New Delhi N C
11 MODINA Modinagar 1291Ghaziabad New Delhi Y C
12 GHAZIA Ghaziabad 80Ghaziabad New Delhi N B
13 SSIGAZ Sme Noida 2562Gautam Buddha Nagar New Delhi N B
14 SERVAR Service Branch, Varanasi 2471Varanasi Lucknow N CBO
15 SERALL Service Branch, Allahabad 2461Prayagraj Lucknow N CBO
16 SERKAN Service Branch, Kanpur 2322Kanpur Nagar Lucknow N CBO
17 SERLUC Service Branch, Lucknow 2416Lucknow Lucknow N CBO
18 CHAMAN Chamanganj 3986Ayodhya Lucknow N C
19 SITLUC Sitapur Road 5597Lucknow Lucknow N C
20 CHANDL Chandauli 3440Chandauli Lucknow N C
21 KAMNAG Kamala Nagar 2247Prayagraj Lucknow N C
22 BISWAN Biswan 3789Sitapur Lucknow N C
23 KHAGA Khaga 1421Fatehpur Lucknow N C
24 KUNDA Kunda 716Pratapgarh Lucknow N C
25 ALLKAT Katra 1033Prayagraj Lucknow N C
26 BLYLUC Gautam Buddha Marg 2733Lucknow Lucknow N B
27 KIDKAN Kidwainagar 1964Kanpur Nagar Lucknow N B
28 HARDOI Hardoi 2517Hardoi Lucknow N C
29 GORAKH Gorakhpur 72Gorakhpur Lucknow N B
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30 BIRHAN Kanpur Main 61Kanpur Nagar Lucknow N B

31 UNNAO Unnao 1205Unnao Lucknow N C
32 CSUKAN Csjm Uni. 2940Kanpur Nagar Lucknow N C
33 COLKAN Collectorgan 1914Kanpur Nagar Lucknow N C
34 VJBELI Beli Road 7002Prayagraj Lucknow N B
35 VJRSMN R S M Nagar 7729Lucknow Lucknow N B
36 ALLAHA Allabad Main 64Prayagraj Lucknow N B
37 LUCALI Aligunj Extn 1902Lucknow Lucknow N B
38 NISHAT Nishatgunj 684Lucknow Lucknow N C
39 VJHAZR Sapru Marg , Lucknow 7714Lucknow Lucknow N C
40 UNIGOR University Road 3985Gorakhpur Lucknow N C
41 BHUVAR Bhu Campus 2779Varanasi Lucknow N B
42 AVALUC Vinay Khand 3186Lucknow Lucknow N B
43 JOPLIN Jopling Road, Lucknow 4703Lucknow Lucknow N C
44 NARHI Narhi Park R 870Lucknow Lucknow N B
45 TILAKN Tilak Nagar 822Kanpur Nagar Lucknow N C
46 AMINAB Aminabad 51Lucknow Lucknow N C
47 VARGUR Gurudham Colony 2439Varanasi Lucknow N C
48 SAVLUC Alambagh 2742Lucknow Lucknow N C
49 ALLALL Allahpur 1685Prayagraj Lucknow N C
50 LUCKNO Lucknow Chow 645Lucknow Lucknow N C
51 VIKLUC Vikas Nagar 3650Lucknow Lucknow N C
52 ROBERT Robertsganj 2516Sonbhadra Lucknow N B
53 LUXABS Luxa Road 2860Varanasi Lucknow N C
54 LDALUC Lda Colony 3187Lucknow Lucknow N B
55 GODVAR Godowlia 1527Varanasi Lucknow N C
56 FATEHP Fatehpur 566Fatehpur Lucknow N C
57 RAMKAT Ramkatora 903Varanasi Lucknow N B
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58 NIYFAI Faizabad-Niyawan 2419Ayodhya Lucknow N B

59 GEETAP Geeta Press 1892Gorakhpur Lucknow Y C
60 GAURIG Gaurigunj 782Amethi Lucknow Y C
61 NIRALA Nirala Nagar 5681Lucknow Lucknow Y C
62 PRATAP Pratapgarh 568Pratapgarh Lucknow Y C
63 GUMTI Gumti No.5 1282Kanpur Nagar Lucknow Y C
64 DEOKAL Deokali, Faizabad 3785Ayodhya Lucknow Y C
65 VISHES Visheshwarganj 1233Varanasi Lucknow Y C
66 KHULDA Khuldabad 1363Prayagraj Lucknow Y B
67 FAIZAB Faizabadmain 67Ayodhya Lucknow Y B
68 SULTAN Sultanpur 569Sultanpur Lucknow Y B
69 BHADOH Bhadohi 984Sant Ravidas Nagar Lucknow N C
70 INTVAR Ibb Varanasi 2630Varanasi Lucknow N B
71 MALLRO Ibb Mall Road 1846Kanpur Nagar Lucknow N B
72 INDVBS Industrial E 2856Varanasi Lucknow Y B
73 VJVIKH Vishalkhand 7738Lucknow Lucknow N B
74 RAEBAR Rae Bareli 52Rai Bareli Lucknow N B
75 PANKI SSI Panki 962Kanpur Nagar Lucknow N B
76 SAVGOM Vipul Khand 2670Lucknow Lucknow N B
77 VIBHUT Vibhutikhand Gomtinagar 3430Lucknow Lucknow Y A
78 MIDKNP Mid Corporate, Kanpur 6497Kanpur Nagar Lucknow N A
79 ARMALL Zonal Sarb, Allahabad 3711Prayagraj Lucknow N A
80 LANKA Lanka 1927Varanasi Lucknow N B
81 HAZARA Lucknow Main 50Lucknow Lucknow N A
82 SERBLY Service Branch, Bareilly 3249Bareilly Bareilly N CBO
83 SERAGR Service Branch, Agra 3364Agra Bareilly N CBO
84 BLYUJH Ujhani 2683Budaun Bareilly N C
85 SIDDHA Fatehbad Road 3159Agra Bareilly N C
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86 BIJNOR Bijnor 818Bijnor Bareilly N C

87 VJMATH Bsa College Road, Mathura 7745Mathura Bareilly N C
88 BLYETA Saidwara 2724Etawah Bareilly N C
89 HAKIKT Hakikatnagar 2427Saharanpur Bareilly N C
90 MALKHA Malkhannagar 2161Aligarh Bareilly N C
91 AGSHAH Shahganj 1684Agra Bareilly N C
92 BLYBUD Halwai Chowk 2682Budaun Bareilly N C
93 LAWERS Lawyer's Colony 2239Agra Bareilly N C
94 SHAMEE Shastrinagar 2656Meerut Bareilly N C
95 SHACAN Govindganj 1047Shahjahanpur Bareilly N C
96 SANJAY Sanjay Place 2204Agra Bareilly N A
97 NARKUL Narkulaganj 1748Bareilly Bareilly N B
98 BAREIL Civil Lines, Bareilly 74Bareilly Bareilly Y B
99 PILIBH Pilibhit 73Pilibhit Bareilly N B
100 INTMOR Ibb Moradabad 2566Moradabad Bareilly N B
101 BLYRAJ Rajendra Nagar, Bareilly 2677Bareilly Bareilly N B
102 INAGRA Ibb Agra 2549Agra Bareilly N B
103 MULBAR Msa-Bareilly 744Bareilly Bareilly N B
104 MATHUR Mathura 747Mathura Bareilly N B
105 BLYPUN Punjabi Mark 2678Bareilly Bareilly N B
106 RAMPUR Rampur 585Rampur Bareilly Y B
107 AGRA Agra 78Agra Bareilly Y B
108 SHAHJA Shahjahanpur Chowk 646Shahjahanpur Bareilly N B
109 PURANP SSI Puranpur 697Pilibhit Bareilly N B
110 NAWABG Nawabgunj 76Bareilly Bareilly Y C
111 ALIGAR Aligarh 583Aligarh Bareilly N C
112 MEERUT Meerut 79Meerut Bareilly N C
113 SAHARA Sahranpur 81Saharanpur Bareilly N C
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114 POWAYA Powayan 77Shahjahanpur Bareilly Y C

115 STAMOR Station Road 1402Moradabad Bareilly Y C
30. Uttarakhand
1 PBBHAL Pbb-Haldwani 2773Nainital Bareilly N C
2 BHOTIA Bhotia Parao 5825Nainital Bareilly N C
3 DOONSC Doon-School 2241Dehra Dun Bareilly N C
4 TRADEH Transport Nagar 3998Dehra Dun Bareilly N C
5 KRIDEH Krishnanagar 1736Dehra Dun Bareilly N C
6 ROOSAH Roorkee 912Haridwar Bareilly N C
7 BLYKAS Kashipur 2693Udham Singh Nagar Bareilly N B
8 BLYHAR Chandra Charya Chowk 2711Haridwar Bareilly N B
9 BLYRUD Bhagat Singh Chowk 2695Udham Singh Nagar Bareilly N B
10 RAMNAI Ramnagar 981Nainital Bareilly N B
11 SIDPAN Sidcul-Pant Nagar 3092Udham Singh Nagar Bareilly Y C
12 KHATIM Khatima 85Udham Singh Nagar Bareilly Y C
13 HALNAV Navin Mandi 1849Nainital Bareilly Y C
14 DEHRAD Dehradun 88Dehra Dun Bareilly N C
15 HALDWA Haldwani 967Nainital Bareilly N B
16 SITTAR Sittargunj 86Udham Singh Nagar Bareilly N B
17 RUDRAP Rudrapur 2498Udham Singh Nagar Bareilly N B
18 KASNAI Kashipur 805Udham Singh Nagar Bareilly N B
31. West Bengal

1 TALAPA Talapark 1981Kolkata Kolkata N C
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2 SERCAL Service Branch, Kolkata 2012Kolkata Kolkata N CBO

3 CANNIN Canning 4224South 24 Parganas Kolkata N C
4 DBBHOW A M Road, Bhowanipore 7215Kolkata Kolkata N C
5 BURRAB Burrabazar 27Kolkata Kolkata N C
6 DURHAL Durgachak 2764Purba Medinipur Kolkata N C
7 CASERA G.T.Road 2450Hugli Kolkata N C
8 BAGNAN Bagnan 42Haora Kolkata N C
9 PRICAL Prince Anwar 2332Kolkata Kolkata N C
10 SALTLA Salt Lake Ct 1970North 24 Parganas Kolkata N C
11 BELIAG Beliaghata 23Kolkata Kolkata N C
12 GHUGUD Ghugudanga 1945North 24 Parganas Kolkata N C
13 BALLYG Ballygunj 21Kolkata Kolkata N B
14 JODCAL Jodhpur Park 856Kolkata Kolkata N C
15 BARRAC Barrackpore 2454North 24 Parganas Kolkata N C
16 DURGAP Durgapur 44Paschim Bardhaman Kolkata N B
17 MGROAD Mg Rd.Kolkat 32Kolkata Kolkata N C
18 CHAHOO Chandannagar 1041Hugli Kolkata N C
19 BEHALA Behala 920Kolkata Kolkata N B
20 BARANA Baranagar 37North 24 Parganas Kolkata N C
21 BELGHO Belghoria 1062North 24 Parganas Kolkata N B
22 SALCAL S.L.Sect-III 2946North 24 Parganas Kolkata N B
23 ASANSO Asansol 43Paschim Bardhaman Kolkata N B
24 VJCHAV Chittaranjan Avenue 8353Kolkata Kolkata Y C
25 JATIND J.M.Avenue 1489Kolkata Kolkata Y C
26 PANMUR Panchantala 2777Murshidabad Kolkata Y C
27 BURDBU G T Road, Burdwan 5119Purba Bardhaman Kolkata Y C
28 DUMDUM Dumdum 39North 24 Parganas Kolkata Y C
29 DHACAL Dharmatalla 629Kolkata Kolkata Y C
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30 VJBRAB R N Mukherjee Road 7778Kolkata Kolkata N C

31 PATIPU Patipukur 30North 24 Parganas Kolkata N C
32 VJPARK Park Street Branch 7774Kolkata Kolkata N C
33 VJNSRO N S Road Branch 8989Kolkata Kolkata N B
34 SODEPU Sodepur 40North 24 Parganas Kolkata N B
35 INTCAL Ibb Kolkata 1152Kolkata Kolkata N B
36 INDIAE Indiaexchang 29Kolkata Kolkata N B
37 SILIGU Siliguri Main 780Darjiling Kolkata N B
38 VJOKOL Sme Branch, Kolkata 6595Kolkata Kolkata N B
39 ARMCAL Zonal Sarb, Kolkata 2658Kolkata Kolkata N A
40 MIDKLK Mid Corporate, Kolkata 6501Kolkata Kolkata N A
41 CAMACS Camac Street 902Kolkata Kolkata N A
42 BRABOU Brabourne Road 26Kolkata Kolkata N A
Stressed Assets Management
43 SAMKOL 6151Kolkata Kolkata N A
Branch, Kolkata
44 WHLKOL Cfs Branch, Kolkata 3417Kolkata Kolkata N A
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Annexure - 11
Declaration/ Undertaking from applicant regarding applicability of restrictions on procurement from

an applicant of a country which shares a land border with India as per the order no. 6/18/2019 -PPD
dated 23rd July 2020 issued by Ministry of finance department of expenditure
(This letter should be on the letterhead of the Applicant duly signed by an authorized signatory)
To

Bank of Baroda,
Vadodara -390007
Madam/ Sir,
We, M/s -------------- are a private/public limited company/LLP/Firm <strike off whichever is not
applicable> incorporated under the provisions of the Companies Act, 1956/2013 Limited Liability
Partnership Act 2008/ Indian Partnership Act 1932, having our registered office at
………………………………… (Referred to as the “Applicant”) are desirous of participating in the
Process in response to your captioned Invitation of Application and in this connection we hereby
declare, confirm and agree as under:
We, the Applicant have read and understood the contents of the document and Office Memorandum
& the Order (Public Procurement No.1) both bearing no. F.No.6/18/2019/PPD of 23rd July 2020
issued by Ministry of Finance, Government of India on insertion of Rule 144 (xi) in the General
Financial Rules (GFRs) 2017 and the amendments & clarifications thereto, regarding restrictions on
availing/procurement of goods and services, of any Applicant from a country which shares a land
border with India and / or sub-contracting to contractors from such countries.
In terms of the above and after having gone through the said amendments including in particular the
words defined therein (which shall have the same meaning for the purpose of this Declaration cum
Undertaking), we the Applicant hereby declare and confirm that:
Please strike off whichever is not applicable
1. “I/ we have read the clause regarding restrictions on procurement from an applicant of a
country which shares a land border with India; I/ we certify that is not from such a country.”
2. “I/ we have read the clause regarding restrictions on procurement from an applicant of a country
which shares a land border with India; I/ we certify that is from such a country. I hereby
certify that fulfils all requirements in this regard and is eligible to be considered. [Valid
registration by the Competent Authority is attached.]”
Further In case the work awarded to us, I/ we undertake that I/ we shall not subcontract any of
assigned work under this engagement without the prior permission of bank.
Further we undertake that I/we have read the clause regarding restrictions on procurement from an
applicant of a country which shares a land border with India and on sub -contracting to contractors
from such countries; I certify that our subcontractor is not from such a country or, if from such a
country, has been registered with the Competent Authority and will not sub-contract any work to a
contractor from such countries unless such contractor is registered with the Competent Authority. I
hereby certify that our subcontractor fulfils all requirements in this regard and is eligible to be
considered. [Valid registration by the Competent Authority is attached herewith.]”
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2. We, hereby confirm that we fulfil all the eligibility criteria as per the office memorandum/ order
mentioned above and we are eligible to participate in the process.
We also agree and accept that if our declaration and confirmation is found to be false at any point of
time including after awarding the contract, Bank shall be within its right to forthwith terminate the
contract/ bid without notice to us and initiate such action including legal action in accordance with
law. Bank shall also be within its right to forfeit the security deposits provided by us and also recover
from us the loss and damages sustained by the Bank on account of the above.
This declaration cum undertaking is executed by us through our Authorized signatory/ies after
having read and understood the Office Memorandum and Order including the words defined in the
said order
Dated this…………………………………..by ................. 20
Yours faithfully,
Name:
Designation:
Name of the Firm:
Address:
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Annexure 12 – INTEGRITY PACT (Draft)

(TO BE STAMPED AS AN
AGREEMENT)
This pre-bid pre-contract Agreement (hereinafter called the Integrity Pact) is made on day of
month, 20 , between, on one hand, BANK OF BARODA, a body corporate
constituted under the provisions of Banking Companies (Acquisition and Transfer of
Undertakings) Act, 1970 and having its Head Office at Mand vi, Vadodara and Corporate
Office at Baroda Corporate Centre, C-26, G- Block, Bandra-Kurla Complex, Bandra East,
Mumbai 400051 (hereinafter referred to as “BOB”; which expression shall, unless it be
repugnant to the meaning or context thereof, be deemed to mean and include its
successors and assigns); and..................................................hereinafter referred to as
"The Applicant/Applicant"
Preamble :
This notification for Invitation of Application is issued by BOB for creation of Pool of CA firm for
carrying out Concurrent Auditor of Branches / other units. The BOB intends to appoint / select,
under laid down organizational procedures, contract/s for............................................. The BOB
values full compliance with all relevant laws of the land, rules, regulations, economic use of
resources and of fairness / Transparency in its relations with its Applicant(s) and / or
Applicant(s).
In order to achieve these goals, the BOB will appoint Chartered Accountant Firm for c arrying out
Concurrent Auditor of Branches / other units as per scope of work outlined.
Section 1 - Commitments of BOB
1. The BOB commits itself to take all measures necessary to prevent corruption and to observe
the following principles: -
a) No employee of the BOB, personally or through family members, will in connection with
the tender for, or the execution of a contract, demand; take a promise for or accept, for
self or third person, any monetary or non- monetary benefit which the person is not legally
entitled to.
b) The BOB will, during the tender process treat all Applicant(s) with equity and reason. The
BOB will in particular, before and during the tender process, provide to all
Applicant(s) the same information and will not provide to any Applicant(s) confidential
/additional information through which the Applicant(s) could obtain an advantage in
relation to the tender process or the contract execution.
c) The BOB will make endeavour to exclude from the selection process all known prejudiced
persons.
2. If the BOB obtains information on the conduct of any of its employees which is a criminal
offence under the IPC/PC Act, or if the re Beas substantive suspicion in this regard, the
BOB will inform the Chief Vigilance Officer and in addition can initiated is disciplinary
actions.
Section 2 - Commitments of the Applicant(s)/ Applicant(s)
a) The Applicant(s) / Applicant(s) commit themselves to take all measures necessary to

prevent corruption. The Applicant(s) / Applicant(s) commit themselves to observe the
following principles during participation in the tender process and during the contract
execution.
b) The Applicant(s) / Applicant(s) will not, directly or through any other person or firm,
offer, promise or give to any of the BOB’s employees involved in the tender process or
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the execution of the contract or to any third person any material or other benefit
which he/ she is not legally entitled to, in order to obtain in exchange any advantage of
any kind whatsoever during the tender process or during the execution of the contract.
c) The Applicant(s) / Applicant(s) will not enter with other Applicants into any undisclosed
agreement or understanding, whether formal or informal. This applies in particular to
specifications, certifications, subsidiary contracts, submission or non- submission of
bids or any other actions to restrict competitiveness or to introduce cartelization in the
process.
d) The Applicant(s)/ Applicant(s) will not commit any offence under the relevant IPC/ PC
Act; further the Applicant(s) / Applicant(s) will not use improperly, for purposes of
competition or personal gain, or pass on to others, any information or document
provided by the BOB as part of the business relationship, regarding plans, and
business details, including information contained ortransmitted electronically.
e) The Applicant(s) / Applicants(s) of foreign origin shall disclose the name and address
of the Agents/ representatives in India, if any, similarly the Applicant(s) /Applicants(s) of
Indian Nationality shall furnish the name and address of the foreign principals, if any.
Further details as mentioned in the "Guidelines on Indian Agents of Foreign Suppliers"
shall be disclosed by the Applicant(s) / Applicant(s). 6-7}
f) The Applicant(s) / Applicant(s) will, when presenting their bid, disclose any and
all payments made, is committed to or intends to make to agents, brokers or any
other intermediaries in connection with the award of the contract.
g) Applicant(s) / Applicant(s) who have signed the Integrity Pact shall not approach the
Courts while representing the matter to IEMs and shall wait for their decision in the
matter.
3. The Applicant(s) / Applicant(s) will not instigate third persons to commit offences outlined
above or be an accessory to such offences.
Section 3 - Disqualification from tender process and exclusion from future contracts
If the Applicant, before contract award has committed a transgression through a violation of
Section 2 or in any other form such as to put his reliability or credibility as Applicant into question,
the Principal is entitled to disqualify the Applicant from the tender process or to terminate the
contract, if already signed, for such reason .
Section 4 - Compensation for Damages
(1) If the BOB has disqualified the Applicant(s) from the tender process prior to the award
according to Section 3, the BOB is entitled to demand and recover the damages.
(2) If the BOB has terminated the contract according to Section 3, or if the BOB is entitled to
terminate the contract according to Section the BOB shall be entitled to demand and recover
from the Applicant liquidated damages of the Contract value or the amount equivalent to
Performance Bank Guarantee.
Section 5 - Previous transgression
(1) The Applicant declares that no previous transgressions occurred in the last three years with
any other Company in any country conforming to the anti- corruption approach or with any
Public Sector Enterprise in India that could justify his exclusion from the tender process.
(2) If the Applicant makes incorrect statement on this subject, he can be disqu alified from the
tender process or action can be taken as per the procedure mentioned in "Guidelines on
Banning of business dealings".
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Section 6 - Equal treatment of all Applicants I Applicants I Sub Applicants
(1) The BOB will enter into agreements with identical conditions as this one with all
Applicants and Applicants.
(2) The BOB will disqualify from the tender process all applicants who do not sign this Pact or
violate its provisions.
Section 7 - Criminal charges against violating

Applicant(s)/ Applicant(s) / Sub Applicant(s)
If the BOB obtains knowledge of conduct of an Applicant, Applicant or Sub Applicant, or of an

employee or a representative or an associate of an Applicant, Applicant or Sub Applicant which
constitutes corruption, or if the BOB has substantive suspicion in this regard, the BOB will inform
the same to the Chief Vigilance Officer.
Section 8 - Independent External Monitor
(1) The BOB has appointed Independent External Monitors (hereinafter referred to as
monitors) for this Pact in consultation with the Central Vigilance Commission. Name: Shri
Harishwar Dayal [email protected] appointed competent and credible Independent
External Monitor for this Pact after approval by Central Vigilance Commission. The task of
the Monitor is to review independently and objectively, whether and to what extent the
parties comply with the obligations under this agreement.
(2) The Monitor is not subject to instructions by the representatives of the parties and performs
his/ her functions neutrally and independently. The Monitor would have access to all
Contract documents, whenever required. It will be obligatory for him
/ Her to treat the information and documents of the Applicants/Applicants as confidential.
(3) The Applicant(s) / Applicant(s) accepts that the Monitor has the right to access without
restriction to all Project documentation of the BOB including that provided by the Applicant.
The Applicant will also grant the Monitor, upon his/ her request and demonstration of a valid
interest, unrestricted and unconditional access to their project documentation. The same is
applicable to Sub-Applicants.
(4) The Monitor is under contractual obligation to treat the information and documents of the
Applicant(s) / Applicant(s) / Sub-Applicant(s) with confidentiality. The Monitor has also
signed 'Non-Disclosure of Confidential Information '. In case of any conflict of interest arising
during the selection period or at a later date, the IEM shall inform BOB and recuse himself /
herself from that case.
(5) The BOB will provide to the Monitor sufficient information about all meetings among the
parties related to the Project provided such meetings could have an impact on the
contractual relations between the BOB and the Applicant. The parties offe r to the Monitor
the option to participate in such meetings.
(6) As soon as the Monitor notices, or believes to notice, a violation of this agreement, he/ she
will so inform the Management of the BOB and request the Management to discontinue or
take corrective action, or to take other relevant action. The monitor can in this regard
submit non-binding recommendations. Beyond this, the Monitor has no right to demand
from the parties that they act in a specific manner, refrain from action or tolerate action.
(7) The Monitor will submit a written report to the BOB officials within 15 days from the date
of reference or intimation to him by the BOB and, should the occasion arise, submit
proposals for correcting problematic situations.
(8) If the Monitor has reported to the BOB , a substantiated suspicion of an offence under
relevant IPC/ PC Act, and the BOB has not, within the reasonable time taken visible action
to proceed against such offence or reported it to the Chief Vigilance Officer, the Monitor
may also transmit this information directly to the Central Vigilance Commissioner.
(9) The word' Monitor' would include both singular and plural.
126 | P a g e
Section 9 Facilitation of Investigation
In case of any allegation of violation of any provisions of this Pact or payment of commission, the
BUYER or its agencies shall be entitled to examine all the documents including the Books of
Accounts of the APPLICANT and the APPLICANT shall provide necessary information and
documents in English and shall extend all possible help forthe purpose of such examination
Section 10 - contract has been awarded. Any violation of the same would entailed is qualification
of the Pact Duration
This Pact begins when both parties have legally signed it. It expires for the selected Applicant till
the contract period, and for all other Applicants6months after the applicants and exclusion from
future business dealings.
If any claims made/lodged during this time, the same shall be binding and continue to be valid
despite the lapse of this pact as specified above, unless it is discharged / determined by BOB.
Section 11 - Other provisions
(1) This agreement is subject to Indian Law. Place of performance and jurisdiction is the
Corporate Office of the BOB, i.e. Mumbai.
(2) Changes and supplements as well as termination notices need to be made in writing.
(3) If the Applicant is a partnership or a consortium, this agreement must be signed by all
partners or consortium members.
(4) Should one or several provisions of this agreement turn out to be valid, the remainder of this
agreement remains valid, In this case, the parties will strive to come to an agreement to the
original intentions.
(5) Issues like scope of work, Warranty/ Guarantee etc. shall be outside the purview of IEMs.
(6) In the event of any contradiction between the Integrity Pact and RFQ/ RFQ/ tender
documents and its Annexure, the Clause in the Integrity Pact will prevail.
(For & On behalf of the BOB) (For & On behalf of Applicant / Applicant)
(Office Seal) (Office Seal)
Place
Date
Witness1:
(Name & Address)
Witness2:
(Name & Address)
127 | P a g e

Date: 19 February 2024

Uploaded by

Date: 19 February 2024

Uploaded by

EOI for Creation of Pool of Chartered Accountant Firms to carry out Concurrent Audit of Branches/ Other units of the

Bank of Baroda invites Expression of Interest for empanelment of Chartered

Date: 19th February 2024

EOI Reference: EOI: CIAD: 116/1

© Bank of Baroda. All Rights Reserved: Strictly Confidential 1

Key Information on the EOI Response Submission:

Sr. No. Particulars Timeline

3. Mr. Gaurav Singh

E-mail ID:- [email protected]

for more details visit ‘contact us’ section at

Steps to participate in the e -Tenders

Online viewing of Detailed Notice Inviting Tenders

ACCESSING / PURCHASING OF BID DOCUMENTS:

© Bank of Baroda. All Rights Reserved: Strictly Confidential 2

© Bank of Baroda. All Rights Reserved: Strictly Confidential 3

Definition of Terms used in the EOI:

Following terms are used in the document interchangeably to mean:

1. “Appointment / Assignment / Job/ Engagement” means the work to be performed by the

2. “Bank” or “BOB” means Bank of Baroda

3. “BCC” means Baroda Corporate Centre, Bandra Kurla Complex, Mumbai

4. “Day” means Business day

5. “EOI” means Expression of Interest

6. “ICAI” means Institute of Chartered Accountants of India

8. “Proposal/ Bid/ Tender” means Response to the EOI Document

9. “RBI” means Reserve Bank of India

© Bank of Baroda. All Rights Reserved: Strictly Confidential 4

e. An Indian (or other) agent of such an entity; or

© Bank of Baroda. All Rights Reserved: Strictly Confidential 5

Section Particulars Page No.

© Bank of Baroda. All Rights Reserved: Strictly Confidential 6

© Bank of Baroda. All Rights Reserved: Strictly Confidential 7

1.1 Introduction and Disclaimer

1.1 Information Provided

1.3 Costs Borne by Respondents

© Bank of Baroda. All Rights Reserved: Strictly Confidential 8

1.4 Recipient Obligation to Inform Itself

1.5 Evaluation of Offers

1.6 Errors and Omissions

1.7 Acceptance of Terms

1.8 No Legal Relationship

© Bank of Baroda. All Rights Reserved: Strictly Confidential 9

2 Terms of the EOI Response

2.1 Registration of EOI Response

Registration of EOI response will be through https://bobtenders.eproc.in. The proposal must

2.2 EOI Validity period

2.3 Late EOI Submission Policy

2.4 Appointment period

2.5 Communication on the EOI

© Bank of Baroda. All Rights Reserved: Strictly Confidential 10

2.5.1 Seeking additional information:

2.5.2 Grievance Rederssal:

2.9 Formats of Bids

2.11 Guidelines for submission details and E-tendering

© Bank of Baroda. All Rights Reserved: Strictly Confidential 11

Section Section Heading Proforma to be given

© Bank of Baroda. All Rights Reserved: Strictly Confidential 12

Section Section Heading Proforma to be given

2.11.1: ELIGIBILITY CRITERIA:

2.12 Security Deposit

© Bank of Baroda. All Rights Reserved: Strictly Confidential 13

Contact Centre 35,000.00

© Bank of Baroda. All Rights Reserved: Strictly Confidential 14

3.1 Introduction and Overview

The Bank intends to go for this arrangement to:

OBJECTIVES OF FLOATING EOI:

© Bank of Baroda. All Rights Reserved: Strictly Confidential 15

3.3 Project Scope

Deliverables Audience Frequency

© Bank of Baroda. All Rights Reserved: Strictly Confidential 16

* Pending issues of previous reports shall be mentioned as persisting irregularities /

* Quality of Concurrent Audit is reflected in reducing number of Irregularities, absence of

Concurrent Audit Coverage – As mentioned under Annexure 9 of this EOI

Concurrent Audit Certification– As mentioned under Annexure 9 A of this EOI

© Bank of Baroda. All Rights Reserved: Strictly Confidential 17

4.1 Preliminary Scrutiny

4.2 Methodology of Empanelment: