c. Inter-Branch Transactions: All transactions related to inter-branch fund transfers from this audit period have been verified with payment/receipt vouchers as well as associated reply vouchers, cash flow cash register and found to be correct . The balance between the HO books and the branch books was as of 03.11.2013.2. DEBENTURESThe balance between outstanding debentures and Trail Balance did not account for a difference of Rs.4000/- found. {Air conditioning. No.19, 27, 23 and A/c. No. 24, Rs. 1000/- each,}3. PERSONAL LOANS1. The branch obtained fully completed and signed personal loan applications from applicants, but did not properly obtain approval from the regional manager. According to circular no. CO /CIR /ADMN/RJ:13/130 of 07.12.2013, the agency must obtain the agreement of the Regional Director.2. The branch filed the PL application and its associated titles separately, the PL application and the associated titles must be filed in a single file.4. GOLD LOANThe outstanding gold loan in 2013 was Rs/- packets. After checking the cash balance, the gold packets in the vault were physically counted and compared with the balance shown in the inbound and outbound ledger and the balance shown in the system outstanding report, as per Input & Output Ledger, Outstanding Ledger (System) & Status Report: 209In Safe Rack: 209Gold Loan IN&OUT Ledger: Proper updating of observed entries. KYC STANDARDS – RELATED TO GOLD LOAN ADVANCES Regarding KYC in relation to Gold Loan Advances, during this audit coverage period, the KYCs are verified with associated records and the branch has obtained 100% 1. According to circular No. CO/CIR/ADMN/RJ: 13/50 dated 04/12/2013, the agency did not properly upload the photos and the agency did not scan and upload the specimen at all. signature...... middle of paper ......n all aspects. Discussions with Branch ManagerIt is hereby confirmed that discussions with the Branch Manager on all the above observations before finalizing the report. OF BRANCH: KUMARAPURAM -(TML), REGION: KANYAKUMARISLNO. SPECIFIC FEATURES MAXIMUMMARKS BRANDS RATED BY THE BRANCH1. BUSINESS DEVELOPMENT• DEBENTURES• ADVANCES• INSURANCE/OTHER PRODUCTS 202010 ---2 EXPENSE CONTROL 5 53 RECOVERY 10 94 INTERNAL CONTROL 5 55 DOCUMENTATION 5 46 COMPLIANCE WITH KYC 10 107 • CUSTOMER SERVICE & BRANCH DEVELOPMENT• DEVELOPMENT OF S UORDINATED558 SPOT GRINDING 5 49 PREMISES AND OTHER QUESTIONS 5 5TOTAL 100 47A+ EXCELENT - ABOVE 90A VERY GOOD - 76 UP TO 90B GOOD - 61 UP TO 75C SATISFACTORY - 51 UP TO 60D NOT STATIC