discrepancies swati

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THE KALYAN JANATA SAHAKARI B

Kolsewadi Branch

Discrepancies found in Loans

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

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

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

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

4 PLLN 5265 r. Chaturvedi Manglaprasad Mrit 2,00,000

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

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



ANK LTD.

Auditor Observation Branch Reply

Guarantor Pan card not found


Both parties Address Proof Not found(Borrower & Guarantor)


Guarantor Address Proof Not found

Guarantor Address Proof Not found



THE KALYAN JANTA SAHAKARI BANK LTD

DHARWADI BRANC


Sr. No. Ac Type Ac No Name of the Party oan Amoun

1 HYPLN 118 Ms Gajanan Construtions

2 HYPLN 109 Mr. Patil Navnath Maruti

3 HYPLN 89 Ms A To Z Glass Centre 16

4 HYPLN 105 Mr. Dalvi Gurunath Sadash

5 HYPLN 94 Mr. Dusane Chandrakant

6 HYPLN 120 Mr. Deshmukh Dinesh Shankarav

7 HYPLN 113 Mr. Deshmukh Daideep Shankar

8 HYPLN 100 Mr. Jadhav Ganesh Pandurang

9 HYPLN 102 Mr. Patil Ramdas Balkrishna



10 HYPLN 107 Mr. Jadhav Ganesh Pandurang

11 HYPLN 108 Mr. Pardeshi Sanjay Pratap

12 HYPLN 110 Mr. Sharma Ramprakash

13 HYPLN 111 Mr. Patil Premnath Parshuram

14 HYPLN 112 Mr. Ghanekar Atmaram Balaw

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

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

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

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



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

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

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

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

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

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

25 CDOD 29 Ms H.M. Traders _

26 CDOD 23 Ms Arpita Traders _



27_

28 CDOD 18 Ms Super Services _

29 CDOD 17 Ms Reliable Engineering Works _

30 CDOD 16 Ms Parth Consultants _

31 CDOD 14 Ms Matoshree Agency _

32 CDOD 12 Ms Shreyash Enterprises _

33 CDOD 4 Ms Esha Padmanabhan _

34 CDOD 2 Ms Kanak Enterprises _

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

36 PLLN 436 Mr. Salve Balu Vasant 50,000



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

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

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

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

41PLLN 1243 Mr. Ratnaparkhi Mahendra M. 2,00,000

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

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

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

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

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

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

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

49PLLN 1426 Mrs. Ghuge Shobha Pandit 2,00,000



Auditor's Observation Branch Reply

Borrower's name not written on "Form K"

Borrower's signature not obtained on "Form K"

a. Borrower's name not written on "Form K"b. Ptoto ID proof of the Guarantor not found

a. Photo ID proof of the Guarantor not foundb. Original Insurance Policy not on record

a. Borrower's name not written on "Form K"b. Pan proof of the Organization not found

a. "Letter of Lien & Set-off" not foundb. Photo ID proof of the Guarantor not found

a. 2nd guarantor's form (applicable under Sec. 49) not foundb. Original RC Book not on recordc. Original Insurance Policy not on record

a. Original RC Book not on recordb. Original Insurance Policy not on record

c. Audited Balance Sheet of the borrower not foundd. No documents of the 2nd guarantor found

a. Original RC Book not on recordb. Insurance Policy not renewed



Original Insurance Policy not on record

"Share Certificate" not obtained


a. Original RC Book not on recordb. 2 photographs of the guarantor not found


a. Original Insurance Policy not on recordb. Original RC Book not on record

a. Franking of "ADV-D-15_AGREEMENT for deductingInstalments from Salary" expired.Date of Franking : March 12, 2009Date of its use : November 19, 2009b. Franking of "Agreement by Surities for deductingInstalments from Salary or Wages" relating to both the

guarantors expired.Date of Franking : March 12, 2009Date of its use : November 19, 2009c. "Share Certificate" not obtained

a. NOC & Possession Letter not obtained from the Builderb. Insurance not obtained

a. NOC not obtained from the Builderb. "Share Certificate" not obtainedc. PDC ECS not foundd. "Letter of Lien & Set-off" not obtained



"Letter of Lien and Set-off" not obtained

" - "

a. Franking of "ADV-D-15_AGREEMENT for deductingInstalments from Salary" expired.Date of Franking : March 12, 2009Date of its use : February 10, 2010b. "Share Certificate" not obtained

a. Acceptance of Society regarding Bank's charge on theproperty not on recordb. Franking of "ADV-D-15_AGREEMENT for deductingInstalments from Salary" expired.Date of Franking : March 12, 2009Date of its use : February 18, 2010c. Identity and Address proofs of both the Guarantors notfoundd. "Share Certificate" not obtained

a. NOC not obtained from the Societyb. "Share Certificate" not obtainedc. "Letter of Guaratee" not filed

a. Franking of "ADV-D-15_AGREEMENT for deductingInstalments from Salary" expired.Date of Franking : March 12, 2009Date of its use : March 5, 2010b. Proper Identity proofs of the Guarantor not found

a. NOC not obtained from the Societyb. "Share Certificate" not obtainedc. PDC ECS not found

a. Identity and Address proofs of the Guarantor not foundb. PDC ECS not found

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



-

"Letter of Lien and Set-off" not obtained

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

Photo ID proof of the borrower and the guarantors not found

Franking on the "Continuing Security Letter" expiredDate of Franking : July 3, 2010Date of its use : January 22, 2011

a. Bank's lien not marked on 2 of the FDRs submitted to thebranchDeposit receipt no.: RPD5986158201Deposit receipt no.: RPD5978443b. Revenue Stamp with the owner's signature not there at theback of the FDRDeposit receipt no.: RPD5986158201

a. Revenue Stamp with the owner's signature not there at theback of the FDRDeposit receipt no.: RPD5973232b. Bank's lien not marked on all the 3 FDRs submitted to thebranchDeposit receipt no.: RPD5981671Deposit receipt no.: RPD5981672Deposit receipt no.: RPD5973232

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

a. Bank's lien not marked on 1 of the FDRs submitted to thebranchDeposit receipt no.: RPD5976374

Bank's lien not marked on 2 of the FDRs submitted to thebranchDeposit receipt no.: RPD8782528037728Deposit receipt no.: RPD8782628037727






Photo ID proof of the guarantors not found



Photo ID proof of the borrower not found


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

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

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

1) Photo ID proof of the guarantors not found.2) One guarantor Vilas Jadhav Not give any

Document.

Franking on the "Kararpatra" expiredFranking Date :July,03,2010.

Date of it's Use: Jan,06,2011.



ance as on 31-03-2011

_

_

_

_

_

_

_

_

_



_

_

_

_

_

_

_

_

_



_

_

_

_

_

_

84,249.69

1,13,963.60



89,071.06

15,408.48

10,44,905.39

1,07,149.52

3,68,664.96

80,561.97

8,23,120.70

7,560.78



THE KALYAN JANATA SAHAKARI

Netivali Branch


Sr.No A/c TypeA/c No Name Of Paty Loan Amou

1 GLLN 420 r. Gharat Devidas Babura 1,95,000

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

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

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

5 PLLN 846 iss. Bhandari Hema Shrira 60,000

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

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

8 PLLN 855 r. Sonone Prakash Madha 2,00,000

9 PLLN 865 Mrs. Jagtap Alka Suresh 30,000

10 PLLN 868 Mr. Kadam Ashok Vishnu 50,000



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

12 PLLN 906 r. Bhave Ravindra Vasude 2,00,000



BANK LTD.

Aditor Observation Branch Reply

Amount not record on Demand Laon Form

Guarantor salary slip not found Case filed

Guarantor salary slip not found

Photo ID proof of the guarantors not found

Letter of Authority Section 49 of Borrower is not found

LIC Policy not assigned

LIC Policy not assigned

1) Franking on the "Kararpatra" expired

Date of Franking : January,29,2009

Date of its use : August,5,2009

LIC Policy not assigned Though letter sent by bank

1) Franking on the "Agreement of Deducting instalment fromsalary or wages" expiredDate of Franking : June,21,2008Date of its use : february,24,2009.

2) Guarantor salary slip not found.



THE KALYAN JANAT

SYNDICATE BRANCH

crepancies found in Loa

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

1 PLLN 590 GHOPAL SACHIN RAMCHAND 50,000

2 PLLN 1103 PINJARY KALUBHAI SHEKH 1,00,000

3 PLLN 1273 KRISHNAMURTHI CHITRAVA 1,00,000

4 PLLN 1274 BELEKAR VIBHA MILIND 1,00,000

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

6 PLLN 1466 PATIL LOKHANDYA MAHADU 2,00,000

7 PLLN 1908 CHOUHAN RAVINDRA RAGHUNA 2,00,000

8 PLLN 1966 KHAIRNAR ASHA PRAKASH 2,00,000

9 PLLN 1929 HINDE SHANTARAM PARSHURA 2,00,000



SAHAKARI BANK LTD.

Auditors Observations Branch Reply

LIC policies not assigned

3 people have signed on the samestamp stuck on the promissory note

Pan card xerox copy of borrower aswell as his guarantor not found




Pan card xerox copy of borrower aswell as his guarantor not found,address proof of the guarantor notfound.

Pan card xerox copy of borrower aswell as his guarantor not found,address proof of the guarantor notfound.

Pan card xerox copy of guarantornot found

discrepancies swati

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