To,

The Enquiry Authority,

Central Bank of India,
Ellis Bridge Branch,
Ahmedabad Gujrat

Sub: Reply of Charge Sheet No. RO/HRD/DAD-18-19:122 Dated 22/06/2018.

Respected Sir,

On the captioned subject I very humbly submit the following.

 Firstly I am the human being
 Secondly I was n employee of the Bank

I joined the Bank on 3rd Nov 1980 and and posted to Pij Branch . from there I was transferred to Dehmai
Branch from 1984 since then till; July 2008 I put up a total service more than 24 years in dehmai branch
as a clerk without any complaint from the customer and also to the full satisfaction of the
management.during the 24 years service in the dehmai branch I got the opportunity to the work in all
the dept. and came in touch with the existing as well as new customers.in the year 2008 I got promotion
of Scale-I and posted to surat region and got opportunity to worked in Credit Dept with SDTM Branch
and Recovery Dept R.O. Surat since 2012 with fully satisfaction and without any complain. I also got
promotion iof Scale- in 2012 and posted as Branch Manager of Idar Branch ( R.O. ahmedabad) in the
capacity of Scale-III branch Manager where I worked upto August 2013 and got the first award of region
for best recovery branch during the period of 2012-2013. Also improve the branch image and business
of the branch without any complaint from branch of management side. On the basis of the my working
and I was transferred to Dehmai9 Branch in August 2013 in the capacity of Branch manager for the
period up to Nov 2013. After then Senior Manager was posted in the branch and after than my service
was utilized in the branch as a second man.
Sir during the service tenure period from 2013 to march 2016 in the dehmai branch I got opportunity
to worked in the credit dept and worked very hard and reduced the NPA of the branch from 1.75 cr. To
.25 Lakhs . also increase the branch business with respective figure. During the tenure of my service in
the branch our Res. R>m> and Res. Z.MN. and lso G.M. From C.O. recovery personally remain present in
the branch and were very pleased with branch business . looking to the good potentiality and nominal
NPA several times our branch was conveyed massage for improving of agri credit. In the year 2016 I was
transferred to S.S.B. branch Ahmedabad and worked for recovery of old entries double payment with
SSB SBI Ahmedabad and got the recovery about 1.00 Cr. From SSB S.B.I. with joint effort of staff of Z.O.
and SSB. In April 2017 iwas promoted in Scale-III and posted to Bhudarpura branch till the retirement
period.

On scrutiny of the aforesaid charge sheet and on going through the charges I observed that charges
framed against me are not true and I deny the charges. However I tender point wise reply for each
charges leveled against me as to why

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 All the charges leveled against me are vague and without any substances as such I deny all the charges.

FINAL SUBMISSION OF BRIEF IN CONNECTION WITH CHARGE SHEET OF M. K. PATEL

CHARGE NO.1:

FOLLOWING ACCOUNTS HAVBE BEEN DISBURSED IN THE BRANCH .

Sr./ A/C No. Name of Borrower Amt. disb. Disb date.

No.
1 3321785754 Naresh j. patel 187500.00 12/02/2014
187500.00 15/02/2014
2 3321982048 Bharat N. patel 1000000.00 13/02/2014
500000.00 18/02/2014
3 2179105530 Dolaji c . zala 3000000.00 14/02/2014
4 2179105879 Ganpat v. solanki 400000.00 04/03/2014
100000.00 05/03/2014
75000.00 26/03/2014
Total 5450000.00

Following accounts have been disbursed

1 Ch 1. Loan proposal disb. Without sanction
ar
ge
N as per DEX-42/1 and DEx42/02.
o.
1
2. All the loan have been single handed processed
without involving any other officer/AFO of the branch
3. Cibil report of the borrower not fetched before
processing the loans
4. Dairy loan a/c sr no.1 no [re sanction inspection has
been carried out
5. Land dev loan bharat n. patel given within three week
of snction of CKCC loan
6. In case of CKCC a/c no.3 D.C. Zala limit enhanced from
5.50 Lkhs to 30.00 lakhs without any justification.
All the loan proposals are sanctioned by
b.m. and reported in the Annexure-II for
the month of Feb2014 and March -2014
Proposal processed by me as loan
processing officer allowed by B.M. .
Work was done at R.O. office as per DEX
43.
Payment made contractor as per
agreement.
Ckcc loan availed by the farmer for
preparation of advance planning of
seeds, fert, adv. Payment of labour
/pesticides and other work .land dev.
Work is done in the farm before sawing
the crops also .
d.c.zala was our old borrower availing
ckcc with us since loan time . and ckcc
loan was enhances as per the scale of
finances for high yielding crops of
potatoes and vegetables also as the such
area is famous for potato and vegetable

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 yielding. Also ckcc is sanction according
to land holding of the party.
7. In the case of CKCC a/cs ar Sr. No. 3&4 loan amt . hs As per practice CKCC loan is disb in one
not been disb. According to the cropping pattern and shot to the sb a/c of borrower as per his
credited to borrowers SB A/c. request and borrower withdrew the
funds as per his requirements.
8. In case of CKCC at Sr. no 4, earlier a limit of Rs. 3.00 Mr.G.V. solanki is our valued customer .
Lakhs was sanctioned to the borrower on 22/09/2011. loan was not repaid by the borrower due
The said limit was neither renewed nor was interest to death of his father Mr. vaghsinh
served by the borrower till 03/03/2014. However retired teacher was drawing pension
ignoring the past record of the borrowerlimit was from our branch. And land was not
recommended for enhancement to Rs. 6.00 lakhs transferred to the name of his son G. V.
without any justification. solanki and others.in the revenue record
of land. On transferred of name the loan
was recommended for sanction for rs.
6.00 lakhs as per land holding and sacle
of finance and also land was became
irrigated by sujlam suflam irrigation
facility of narmda canal in the area. now
the land was became perennial crop
land .now the account is closed by
borrower.
I do not concure and strongly deny because whatever I did is in the banks commercial interest .
CHARGE NO. 2
CkCC a/c no. 3332144354 Mr. Ashish G. Patel limit Rs. 8.00 lakhs. Account closed by borrower in March
2019.
Annexure-II Loan sanctioned by B.M. in the month of march2014 reported to R.O. duly signed by B.M.
K.S. Tomar.only signature is leave blank on the column of b.m. signature.
I do not concur and strongly deny because whatever I did is in the commercial interest of the bank.

CHARGENO.3:-
CKCC LIMIT A/C NO. 3380098997 OF RS. 2.00 LAKHS TO MR. DAHYSINH C. ZALA
As the procedure of loan proposals according the CKCC loan have been completed and party have
cheated the bank with duplication of borrower. Due diligence of the borrower is done by the
sarpanch revenue authority of the amodara village panchayat.Since the account is closed on
20/05/2017 and no financial loss to the bank PER DEX3/1 . I do not concur and strongly deny
because whatever I did is in the commercial interest of the bank.

CHARGE NO.4
CKCC limit Rs. 24.00 Lakhs in the Name of Hasmukh S. Patel.
FOR CIBIL REPORT OUR DEX NO.43
Party have signed the documents in the capacity of P.A. Holder.due to conflict of lnd in family party
had requested the BM for cancellation of banks charge and new ekrarnama was issued in lieu of old
cancelled charge with same quantum of land but the borrower did not create the charge. Party is

3
 refusing to acknowledge the debts as he is willful defaulter as per MEX no. and DEX No. party had
withdraw the money from his sb account . I do not concure and strongly deny because whatever I
did is in the commercial interest of the bank.

CHARGE No. 5
CKCC CCOUNT NO. 2179097367 OF Budhsinh A. Solanki limit Rs. 2.75 Lakhs
1. Budhsinh a. Solanki was driver in GSRTC and due to accident of ST he was hospitalized due to
this reason ckcc a/c was turned to NPA but after persuasion with party account was renewed
and when the entire loan was repaid by the party we have again enhanced the limit as per land
holding and scale of finance and cropping pattern. Also irrigation facility of sujlam suflam
narmada canal is available in the deroli village.
2. As per practice CKCC loan is disb. in one shot to the sb a/c of borrower as per his request and
borrower withdrew the funds as per his requirements
3. Post-sanction inspection was done by other officer in routine work.

I do not concur and strongly deny because whatever I did is in the commercial interest of the
bank.

CHARGE NO:6
CKCC LIMIT RS. 20.00 LAKHS OF ABHESINH L. CHAVADA.
Abesinh L. Chavda was our existing borrower and Branch Manager instructed me that 3rd applicant
signature will be obtained lateron plese process the loan.

abhesinh l. chavda was our old borrower associated with bank since long time and as per the request of
borrower we have recommended the enhancement of ckcc limit from 2.25 lakhs to 20.00 lakhs.loan
proposal recommended to bm as per land holding , scale of finance and cropping pattern in the area.
Land is also become irrigated by narmada canal irrigation facility in the area.
As per practice CKCC loan is disb. in one shot to the sb a/c of borrower as per his request and borrower
withdrew the funds as per his requirements.
I do not concur and strongly deny because whatever I did is in the commercial interest of the
bank.

CHARGE NO.7
CKCC ACCOUNT NO. 3335530786 OF Abhesinh M. Chavda Sanction Limit Rs. 12.50 Lakhs.
Mr. Chavda was our existing borrowe and limit was enhanced as per the request of the borrower and
original documents were executed by 4 owners only which was valid and enforceable.
Post-sanction inspection was done by other officer in routine work.
I do not concur and strongly deny because whatever I did is in the banks for the commercial
interest of the bank.
CHARGE NO.8

4
CKCC LIMIT RS. 6.00 LAKH ATUL L. PATEL A/C. NO. 3314722872
Ckcc limit Rs. 6.00 Lakhs Atul L. pate lactual date of pre inspection is 11/11/2013 report held on record
MEX8/4.
Post-sanction inspection was done by other officer in routine work.
Account is closed by the party under OTS scheme . hance the we had obtained full security of borrower
by creating banks hypothiation charge on land.
I do not concur and strongly deny because whatever I did is in the banks for the commercial interest of
the bank.

CHARGE NO.9

DAIRY LOAN CCOUNT NO. 3316331365 OF Atul L. patel Rs. 3.75 lakhs,.
1. Cibil rport as per common answer for all the borrowers
2. Receipt cum cert are available with bank regarding purchase of animals hance insurance policy
of the cattle is available in the bank with full particulars of cattle purchased.as perMEX9/1 it is
printed dakhila of bank and that is utilize in the bank since long.
3. Post insp. Report dated 25/01/2014 confirmed by written as asset created out of banks funds
which is held on record.
AS ON DATE ACCOUNT IS CLOSED BY THE PARTY UNDER ots SCHEME .
I do not concur and strongly deny because whatever I did is in the banks for the commercial interest
of the bank.

CHARGE NO.10:
CKCC no. 3310474332 of Balusinh A. solanki CKCC limit Rs. 3.00 Lakhs.

Account closed by the borrower.under OTS scheme sanctioned by the bank. We had obtained full
security agaist the loan by creating charge on land hance I do not concur and strongly deny because
whatever I did is in the banks for the commercial interest of the bank.

CHARGENO.11
ATL DAIRY LOAN NO. 3392067614 OF Rs. Of Fatesinh R. Zala.
Fatesinh R. Zala is our regular borrower associated with our branch since long with regular repayment
.presanction inspe. Was done in regular course of visit by the branch.as per DEX11 bill receipt of cattle
shed and cattle is held on recor Loan was actual utilized for the loan purpose and party had regularly
repaid the loan after the availment of loan.account is turned in to NPA due to scantly rain fall failure of
crops demonetization in NOV 2016 .
I do not concur and strongly deny because whatever I did is in the banks for the commercial interest of
the bank

CHARGE NO.12
ATL land development loan account no. 3335241843 of hasmukh s. patel limit Rs. 10.50 lakhs.

5
Amt .of loan rs. 10.00 Lakhs disb. in one shot as per the project report given by the borrower.
Periodical inspection was carried out by the BM along with Auditors .
Signature of two owner of land is executed as the account was canvassed during the recovery camp
and Branch Manager instructed to process the loan and any deficiency will b rectified later on. See
DEX12/4 Non judicial stamp paper dated 09/04/2014 is available on the record which is utilized for
agreement and the payment is made on 09/04/2014 which is confirm the date of agreement
Other relevant papers are held on record with fill up of required details .
I do not concur and strongly deny because whatever I did is in the banks for the commercial interest of
the bank
CHARGE NO. 13

ATL PIPELINE ACCOUNT NO. 3430392359 OF HASMUKH S. PATEL SANCTIONED LIMIT RD. 13.00 LAKHS.
1. Cibil report as per common answer.
2. Pipeline work in the farm is done in one shot of action and as per work payment has been made.
3. Periodical insp. Done by BM alongwith auditors during the audit in the branch.
4. Pre inspection was done during the process of other proposal of the borrower.
5. Branch manager was instructed that any deficiency will be rectified later on.
6. Project report for proposed work was obtained and payment was made according to project.
7. Work completion cert. from gayatri engineer held on record dated 28/02/2015.
8. Payment was made to the contractor and party was instructed to obtained receipt from the
contractor.as per DEX13/1 and DEX 13/2 confirm the payment made to contractor.
Account is turned to NPA but sufficient security obtained from the borrower by creating the
banks charge on land of borrower with revenue dept.
I do not concur and strongly deny because whatever I did is in the banks for the commercial interest of
the bank

CHARGE NO. 14:

CKCC LIMIT RS. 5.00 A/C NO. 3331409493 OF MR. KALABHAI D. ZALA.
1. No dues cert obtained dated 18/03/2014 in lieu of cibil report. As per DEX14/1
2. As per practice CKCC loan is disb. in one shot to the sb a/c of borrower as per his request and
borrower withdrew the funds as per his requirements. Crop loan recommended as per land
holding and scale of finance considering cropping pattern.
3. Necessary required information filled in process notes.as per DEX14/2 in approval of agri loan
of rs. 5.00 lakh signature of appraising officer m.k. patel and sanction auth Mr. K.S. tomar b.m.
is available.
4. Post insp. Was done by other officer in routine course.

I do not concur and strongly deny because whatever I did is in the banks for the commercial interest
of the bank.
CHARGE NO;15

CKCC LIMIT RS. 3.00 LAKHS A/C. NO. 3313506512 OF KIRIT A. SOLANKI.

6
 1. No dues cert obtained dated 25/11/2013 obtained in lieu of cibil attached DEX15/1.
2. As per practice CKCC loan is disb. in one shot to the sb a/c of borrower as per his request and
borrower withdrew the funds as per his requirements.
3. Pren insp. Was carried out at the time of ckcc loan of Madhusinh A. Solanki as Mr. K.A. Solanki was
younger brother of m.a. solanki who was living nearby house of madhusinh solanki.
4. Post insp. Done by other officer in routine course.

I do not concur and strongly deny because whatever I did is in the banks for the commercial
interest of the bank.
CHARGE NO.16
CKCC LIMIT RS. 16.00 LAKHS A/C NO. 2179112286 OF Mr. MADHUSINH A. SOLANKI
1. DEXNo16/1 dues cert. obtained dated dated 25/11/2013 inliue of cibil report.
2. As per practice CKCC loan is disb. in one shot to the sb a/c of borrower as per his request and
borrower withdrew the funds as per his requirements.
3. Borrower was availing ckcc with us since land and required information was available with bank
in old file.
4. Borrower was holding more than 20.00 acre landas per DEX16/2 land holding 11.3266 hector
and in the year they have got electric connection from GEB for new borewell digged in their
farm with sufficient water supply also they got irrigation facility of narmada canal of sujlam
suflam canal in entire land and land was become irrigated . considering the land holding , scale
of finance and change of cropping pattern ckcc limit was recommended for 16.00 lakhs.
5. Post insp. Was done by other officer in routine course.
Bank have created revenue charge on land and sufficient security obtained against the loan.

I do not concur and strongly deny because whatever I did is in the banks for the commercial interest of
the BANK.

CHARGE NO.17:
CKCC LIMIT Rs. 3.00 lakhs a/c no. 3333149690 to MS Naimisha S. pandya and Mahendra P. Patel
Point no 1.and 2. As per common reply
For point no.3 borrowers have availed ckcc on the share of their land out of total Land which is already
derived in no.6 entry DEX NO.17/1.
For point no.4 required information are filled in other available documents.
Point no. 5 Post insp. was done by other officer in routine course.
I do not concur and strongly deny because whatever I did is in the banks for the commercial
interest of the bank.

CHARGE NO.18
ATL PIPELINE LOAN a/c 3352511729 of RS.4.50 LAKHS MR. Mahendra P. patel
Point no. 1 cibil repoprt as per MEX.

7
Point 2. Pipeline work in the farm is done within two or three days and according to work done loan has
been disb.
Point no.3 installation of irrigation pipe line work is done in the farm at a one shot of two days time.
Point no.4 Branch manager instructed to processing the loan and any deficiency will be rectified later
on.
Point no.5 eco viability report kept with the file at the time of recommendation.
Point no.6 AS PER dex. 18/1,18/2 AND 18/3 HAVING AMOUNT WITH RS. 4.50 LAKH, Rs. 1.00 lakh and rs
0.56 lakhs held on record duly signed by comntractor. work completion cert. dated 01/01/2015 govt.
approved eng. Confirm the project done.
I do not concur and strongly deny because whatever I did is in the banks for the commercial
interest of the bank.

CHARGE NO.19

Atl-dairy loan a/c no. 3365698156 rs. 4.50 lakhs of mahendra p. patel.
1. For cibil report our DEX43 attached.
2. Loan disb. According to work done by the borrower.
3. Our existing borrower and insp. Was carried out in routine course.
4. Pre sanction carried out in ckcc.
5. 2nd page information FILLED UP.
6. We were advised by the B.M. that any deficiency will be rectified later on.
7. Bill receipt held on record DEX NO.19/2 and 19/3 for rs. 1.50 lakhs and rs. .60 lakhs respectively.

I do not concur and strongly deny because whatever I did is in the banks for the commercial
interest of the bank.

CHARGE NO. 20:

-CKCC LIMIT RS. 3.00 OF NARESHBHAI J. PATEL A/C NO. 3319078602
1. Cibil report no dues cert form state dev bank AND OTHER BANKS held on record vide DEX
NO.20/1. AND 20/2
2. As per practice CKCC loan is disb. in one shot to the sb a/c of borrower as per his request and
borrower withdrew the funds as per his requirements.
3. required information filled up.
4. BM has instructed to process the loan and deficiency will be rectified later on.
5. post insp. Of ckcc was done by other officer in routine course.
Bank have obtained the sefficient security agaist the loan bu creating banks hypo. Charge on agri
land of borrower.
I do not concur and strongly deny because whatever I did is in the banks for the commercial
interest of the bank.

CHARGE NO.21:-
ATL PIPELINE LOAN A/C NO. 3352554854 OF NARESH J. PATEL FOR RS. 3.80 LAKHS.

8
 1. Cibil report no dues cert form state dev bank AND OTHER BANKS held on record vide DEX
NO.20/1. AND 20/2.
2. Pipeline work is done in the farm within short time as digging of pipeline through JCB and
prompt installation of pipeline si the payment made in two shot of time.
3. periodical insp. Not done as completion of installation has been finished in two days.
4. As per MEX21. Inspection report is held on record but signature is erroneously kept blankbut
the name of inspection officer Mr. Bhupesh V. dave is clearly written in the inspection report.
5. Account was canvassed during the credit camp during the visit of FGM sir and we were
instructed that any deficiency will be rectified later on.
6. Receipts OF LOAN MEX NO.21/1,21/2 AND 21/3 SIGNED BY I.M. PATEL
Bank have create charge on land of borrower as a sufficient security against the loan
I do not concur and strongly deny because whatever I did is in the banks for the commercial interest of
the bank.

CHARGE NO:-22

1. cibil report as per dex.43

2. As per practice CKCC loan is disb. in one shot to the sb a/c of borrower as per his request and
borrower withdrew the funds as per his requirements
3. required information filled up.
4. Branch manager has informed to process the loan and deficiencies will be rectified later on.
We have create banks charge on land of borrower with revenue dept as a sufficient security against the
loan.
I do not concur and strongly deny because whatever I did is in the banks for the commercial interest of
the bank.
CHARGE NO. 23:-
ATL-PIPELINE LOAN A/C NO. 3430378572 OF RS.13.00LAKHS TO MR. PRAVINBHAI K. PATEL.

1. For cibil report reply is s per DEX43

2. Land development work is done through contractor with help of JCB machines and other
machineries in the farm within week time.
3. periodical stage wise inspection to be carried out by other office assigned by BMr as I was
recommending officer for loan.
4. pre insp was carried out at the time of CKCC loan proposal of the borrower.
5. no comments no objection raised by other borrower till date and party have signed the
documents in the capacity of P.A. holder.
6. No comments on predev, post-dev incremental income calculation.
7. Agreement for the proposed work was kept on record at the time of processing.
8. No comments of bill receipt of supplier.

9
Post sanction inspection dated 20/03/2015 carried out by BM during the audit held on record ensure
then end use of banks fund. Also work completion cert. of govt. approved engineer kept on record
confirm the loan project.
I do not concur and strongly deny because whatever I did is in the banks for the commercial interest of
the bank.
CHARGE NO.24:-
ATL-LAND DEVELOPMENT LOAN A/C NO. 3340648146 FOR RS. 9.00 LAKHS TO SHARKARBHAI P. PATEL

1. For cibil report as per reply in DEX.43

2. Work of pipeline is done within short period of one ofr two days by digging and installing of
pipeline so payment was done is one shot.
3. I was assign the wotk of processing officer only and periodical stage wise insp. Work was not
assign tome by BM.
4. Erroneousely loan account was open in cbs system for limit of rs. 12.00 Lalks but on 09/02/2015
excess limit of rs. 3.00 lakhs alongwith interest was recovered with amt of Rs. 3.25 lakhs before the
demand of first installment as per DEX NO. 24/1
5. As per DWX24/2 economically viability is calculated in the matter of pre-development income and
post-development income.
6. CKCC loan is availed by the farmers for the preparation pf advance planning for agri season for
purchased of seeds/ pesticides/insecticides/fertilizers and other labor charges and expenses . and
land development loan is given for dev. Of land before the sawing of crops in the farm.

Bank have create the revenue charge on agri land of borrower as sufficient security against the loan.
I do not concur and strongly deny because whatever I did is in the banks for the commercial interest of
the bank

CHARGE NO.25:-
ATL-PIPELINE LOAN A/C 3354487396 OF RS. 12.50 LAKHS TO SHARKARBHAI P. PATEL
1. No dues obtained in lieu of cibil report.
2. Work of pipeline installation is done by farmer in shot of two days so loan disb. according to the
work completed by the farmer.
3. Periodical stage wise insp. not required as work of installation is done in one shot .
4. Quotation of rashmikant was obtained but work was done by local contractor and receipt of
contractor is available on the record as per MEX. NO. 25/3
5. Post insp. done by other officer in routine course.

Bank have create the revenue charge on agri land of borrower as sufficient security against the loan.
I do not concur and strongly deny because whatever I did is in the banks for the commercial interest of
the bank

CHARGE NO.26:-
ATL-DAIRY LOAN OF RS. 4.50 Lkhs a/c no. 3363552469 to sharkarbhai p. patel

10
1.No due cert obtained in lieu of cibil report in ckcc file.
2. &3. At village farmer are doing the work with preparation of all the infrastructure and work is done by
contractor in one shop.
4. pre insp. Carried out during the process of CKCC loan disb.
5.Agreement held on record was actually get printed it is proved the clear the intension of work. Work
of cattle shed is done on own land nearby resi. And in project report all the particulars of location sy. No.
are mentioned and according to that agreement prepared.
6.Borrower have already given the project report to the bank with proposed cost and payment has been
done accordingly.
7. post insp report held on record with words mentioned work done as per estimate .

Bank have create the revenue charge on agri land of borrower as sufficient security against the loan.
I do not concur and strongly deny because whatever I did is in the banks for the commercial interest of
the bank
CHARGE NO.27:-
ATL –DAIRY LOAN A/C NO. 3363718267 OF RS. 4.50 LAKHS TO VIKRAM S. PARMAR.

1.No due cert obtained in lieu of cibil report in ckcc file.

2. &3. At village farmer are doing the work with preparation of all the infrastructure and work is done by
contractor in one shot.
Income /expenditure already available in project report given by borrower held on record.
Payment made to the contractor for cattleshed confirm the payment for construction of cattle shed.
Agreement of cattle shed MEX27/3 held with record only signature is have remained blank but the
payment of cattle shed is confirm the agreement.

Bank have create the revenue charge on agri land of borrower as sufficient security against the loan.
I do not concur and strongly deny because whatever I did is in the banks for the commercial interest of
the bank.
CHARGE NO.28:-
ATL-LAND DEVELOPMENT LOAN A/C. NO. 3337303003 RS. 8.00 LAKHS TO MR. ASHISH G. PATEL
1. No due cert obtained in lieu of cibil report.
2. CKCC loan is availed by the farmers for the preparation pf advance planning for agri season for
purchased of seeds/ pestcidies/insecticides/fertilizers and other labour charges and expenses .
and land development loan is given for dev. Of land before thee sawing of crops in the farm.
3. Regarding Periodical stage wise inspection I was the processing officer and insp. Work was not
assign to me by B.M>\.
4. As per DEX28/2 clear that loan availed on land owned in the share portion of Ashish G. patel so
consent of other land holders is not necessary.
5. Income at pre-dev and post-dev is calculated as per DEX28/1 .
6. Required information available in other documents available with bank for additional income.

11
 7. CKCC loan is availed by the farmers for the preparation pf advance planning for agri season for
purchased of seeds/ pestcidies/insecticides/fertilizers and other labour charges and expenses .
and land development loan is given for dev. Of land before thee sawing of crops in the farm.
Account is closed by party in march-2019.
Bank have create the revenue charge on agri land of borrower as a sufficient security against the loan.
I do not concur and strongly deny because whatever I did is in the banks for the commercial interest of
the bank

CHARGE NO. 29:-

ATL LAND-DEVELOPMENT A/C NO. 3340634176 FOR RS. 9.00 LAKHS TO MR. BHALAJI K. PARMAR.
1. No due cert obtained in lieu of cibil.
2. Payment in one shot done according to work done by borrower.
3. Land dev wotk is done in one shot of period on the earth so carryout stage wise inspection is
not possible.
4. Economically viability as per MEX29/2.
5. Post sanction insp. Report held on record and confirm the work done as per estimate.work
completion cert. attached as per
6. CKCC loan is availed by the farmers for the preparation pf advance planning for agri season for
purchased of seeds/ pestcidies/insecticides/fertilizers and other labour charges and expenses .
and land development loan is given for dev. Of land before thee sawing of crops in the farm.
Recovery is also made in the account.
Bank have create the revenue charge on agri land of borrower as a sufficient security against the loan.
I do not concur and strongly deny because whatever I did is in the banks for the commercial interest of
the bank
CHARGE NO.30:-
CKCC LOAN LIMIT RS. 35.00 LAKHS A/C NO. 3317892172 TO BHARATKUMAR N. PATEL
1. Cibil report dated 14/02/2014 held on record as per DEX31/1.
2. As per practice CKCC loan is disb. in one shot to the sb a/c of borrower as per his request and
borrower withdrew the funds as per his requirements.
3. As per DEX 30/3 clear the ownership of bharatbhai n. patel on land.
4. As per instruction on mail from R.O. office limit has been enhanced with confirmation of B.M. who
was out of station on that day and the than AFO was in the branch for follow the instruction of R.O.it
was the duty of AFO to obtained supporting papers.
Bank have create the revenue charge on agri land of borrower as a sufficient security against the loan.
I do not concur and strongly deny because whatever I did is in the banks for the commercial interest of
the bank.
ACCOUNT IS CLOSED IN MARCH-2019.
CHARGE NO.31:-
ATL-PIPELINE LOAN A/C. NO 3337617566 RS.25.00 LAKHS TO MR. BHARAT N. PATEL.
1. Cibil report as per DEX31/1
2. Payment of pipeline digging and installation is done within two or three days so as per practice
payment is made in one or two shot .

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 3. No comments.
4. Agreement taken with intension to make agreement and work has done as per the agreement
erroneously signature of the both party not taken. But there no objection from the borrower.
5. Loan proposal was canvassed during the credit camp of FGM and it was informed that
deficiencies will be rectified later on.
6. Bill receipts are available as per DEX31/1,31/4 and 31/5.
Bank have create the revenue charge on agri land of borrower as a sufficient security against the
loan of the bank.
I do not concur and strongly deny because whatever I did is in the banks for the commercial
interest of the bank

Party have closed the account in MARCH 2019.

 CHARGE NO.32
ATL-DRIP IRRIGATION LOAN A/C NO. 3356003324 OF RS. 8.70 LAKHS TO BHARAT N. PATEL.
1. Cibil report as per DEX 31/1.
2. Payment installation is done within two days so as per practice payment is made in one shot.
3. No requirement of stagewise inspection as work is done in one shot.
4. Project report loan was disb on 09/07/2014 previousely quotation before the sanction dare was
replaced by the borrower on 05/07/2014
5. Land holding is same for both lopans so report of incremental agri land is kept on record.
6. Post inspection by B.M. was carried out during the audit of the branch.
7. Party is holding about 150 vigha land and approached us for loan for various schemes for
development of agri activity.
Bank have create the revenue charge on agri land of borrower as a sufficient security against
the loan.
I do not concur and strongly deny because whatever I did is in the banks for the commercial
interest of the bank
As the party have closed the account in MARCH 2019.

CHARGE NO.33:
ATL-land development loan a/c 3323915433 of rs. 10.00 lakhs to Mr. Dolaji C. Zala
1. Dolaji c. zala was existing borrower of the bank since loang so cibil report not obtained.
2. Inspection was carried out at the time of running work.
3. Erroneously Signature of borrower was not obtained but there is no objection from borrower .
4. Required column for land development have been filled up .loan recommended as per project
report /plan estimate given by the borrower.
5. On the basis of plan /estimate provide by the borrower was recommended forrs. 10.00 lakhs.
Regarding due diligence of project BM have carried out inspection at the time of branch audit,
Minor irriegularities are observed in the file which can be rectified by the branch with follow up with
borrower.
Bank have create the revenue charge on agri land of borrower as a sufficient security against the loan.

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I do not concur and strongly deny because whatever I did is in the banks for the commercial interest of
the bank.

CHARGE NO.34:-
CKCC LOAN A/C. NO. 3138824250 OF GORAJI B. SOLANKI

1. NO due cert. obtained in lieu of cibil report .and further as per DEX43.
2. As per practice CKCC loan is disb. in one shot to the sb a/c of borrower as per his request and
borrower withdrew the funds as per his requirements.
3. Mr. goraji was holding 4.4283hactor land (DEX34/1) . and they had repaid the entire amt of
earlier ckcc dues . now the land was became irrigated through irrigation facility of lank dam and
party had change the cropping pattern started to grow potato and other high yielding crops.
Considering the scale of finance, land holding and cropping pattern ckcc limit of rs. 9.00 lacs
was recommended for sanction on the request of the party.
4. Post –sanction inspection is done by other officer in routine course.
Bank have create the revenue charge on agri land of borrower as a sufficient security against
the loan.
I do not concur and strongly deny because whatever I did is in the banks for the commercial
interest of the bank.

CHARGE NO. 35:-

ATL-LAND DEVELOPMENT LOAN A/C.NO. 3400035302 OF RS. 10.00 LAKHS O GORAJI B. SOLANKI.
1. No dues obtained in ckcc account in lieu of cibil report.
2. Payment made in two shot according to work done by borrower.
3. Post inspection was carried out by BM during audit time .
4. Bill receipt obtained and kept on record as per DEX 35/1 and 35/2 .

Bank have create the revenue charge on agri land of borrower as a sufficient security against
the loan.
I do not concur and strongly deny because whatever I did is in the banks for the commercial interest
of the bank.

CHARGE NO36:-

ATL-DAIRY LOAN A/C NO. 3412188960 OF RS.4.50LAKHS TO MR. KALUSINH M. ZALA.

1. No dues cert. obtained in ckcc account in lieu of obtain cibil report.

2. Payment made to the contractor in one shot as per project report.
3. No comments for periodical inspection.
4. Pre sanction insp. Done at the time of ckcc availmernt.
5. Payment to the contractor was done as per agreement which was kept in the file.
6. Bill receipts dated 25/11/2014 jhel;d on the records.

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 7. Post sanction inspection was carried out by other officer in routine course.
Other supportive documents like animal health cert. insurance policy of cattle is confirm the end use of
loan by the borrower.
Bank have create the revenue charge on agri land of borrower as a sufficient security against the loan.
I do not concur and strongly deny because whatever I did is in the banks for the commercial interest of
the bank.

CHARGE NO:.37
CKC LIMIT RS. 18.00 LAKH A/C NO. 2179114839 TO MR. MOHANSINH C. SOLANKI.
1. Mr. m.c. solanki was our old borrower eventhough No due cert obtained in lieu of cibil report.
2. As per practice CKCC loan is disb. in one shot to the sb a/c of borrower as per his request and
borrower withdrew the funds as per his requirements.
3. Party had repaid the earlier entire dues in the bank and also theland was now become irrigated
due to irrigation facility of narmada sujlam sujlam canal passing through the deroli village. And
borrower was holding land 9.3887 hector (DEX37/1). On the request of borrower considering
the irrigation facility, scale of finance , and change in cropping pattern ckcc loan proposal of rs.
18.00 was recommended for sanction.
4. As the ckcc account of solanki was running in the branch since long and inspection was carried
out regularly in usual course during the follow up for recovery.

Bank has created the revenue charge on agri land of borrower as a sufficient security against the loan.
I do not concur and strongly deny because whatever I did is in the banks for the commercial interest of
the bank.

CHARGE NO.38
ATL- DAIRY LOAN A/C NO. 3314903697 OF RS. 3.75 Lakhs to Mr. SURESHBHAI K. PATEL

Sureshbhai k. patel innovative farmer sarpanch of village was availed ckcc loan and other loans from our
branch have requested to availed dairy loan under nabard scheme
1. Cibil report is not fetched against which we have obtained no due cert.
2. Vide DEX38/1 running bill in favour of s.k. patel held on record for stage wise dev. Of the work.
3. Pre sanction insp. carried out during ckcc loan proposal.
4. Loan was disbursed to seller of cattle and contractor as supported evidence of purchase like
animal health cert. insu policy of cattle are confirm the end use of loan payment.
5. Insu. Policy is taken on the record of bill receipt which was kept with the file.
Bank has created the revenue charge on agri land of borrower as a sufficient security against the
loan.I do not concur and strongly deny because whatever I did is in the banks for the commercial
interest of the bank.

CHARGE NO:39
ATL PIPELINE LOAN A/C NO. 3352494735 RS. 9.10 LAKHS TO SURESH K. PATEL
1. No dues obtained in lieu of cibil report.

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 2. Work of pipeline installation is done by farmer in shot of two days so loan disb according to the
work completed by the farmer.
3. No comments on stage wise inspection as loan proposal was recommended according to the
plan/estimate given by the borrower.
4. Regarding bill receipts s per DEX39/1,39/2 and 39/3 for rs. 9.10 lakhs 2.10 lakhs and 1.00 lakhs
respectively held on record duly signed by the contractor i.m. patel
Bank has created the revenue charge on agri land of borrower as a sufficient security against the
loan.I do not concur and strongly deny because whatever I did is in the banks for the commercial
interest of the bank.
CHARGE NO.40:-
ATL-DRIP IRRIGATION LOAN A/C NO. 3390346338 OF RS. 24.00 LAKHS TO SURESHBHAI K. PATEL

1. No due cert obtained in ckcc loan in lieu of fetched cibil report.

2. Work of drip irrigation is done in the farm within period of two or threedays and according to
the work done payment is made to the contractor.
3. No comments on periodical inspection as work is done within two days so impossible to carry
out stage-wise inspection.i was the recommending authority for process of loan and it was not
falls under my duty.
4. For loan process it was informed by branch manager to process the loan and deficiency will be
rectified later on.
5. No comments.
6. Agreement for labour work of rs. 3.50 lakh held on record for labour charge insped of rs. 35.00
lakhs which is statistical mistake.
Bank has created the revenue charge on agri land of borrower as a sufficient security against the
loan.I do not concur and strongly deny because whatever I did is in the banks for the commercial
interest of the bank.

CHARGE NO.41:-
ATL-LAND DEVELOPMENT LOAN A/C NO. 3334780681 OF RS. 5.00 LAKH TO MR. VINOD K. PATEL
1. Obtained no due certificate in ckcc accounts of borrower in lieu of fetching cibil report.
2. Loan amount was disb . in one shot as land dev. According to the work done by the contractor.
3. No comments on periodical inspection as I was recommending authority of the proposal.
4. Pre-sanction inspection was carried out by the than branch manager .
5. Required necessary information was filled in the documents. No objection received from the
borrower.
6. agreement of work was done but Erroneously it was remained blank but payment is made
directly to the contractor and confirmation of end use of funds receipts from the contractor and
held on record vide DEX. 41/1,41/2 and 41/3 duly signed by the contractor.
7. CKCC loan is availed by the farmers for the preparation pf advance planning for agri season for
purchased of seeds/ pestcidies/insecticides/fertilizers and other labour charges and expenses .
and land development loan is given for dev. Of land before thee sawing of crops in the farm.

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Bank has created the revenue charge on agri land of borrower as a sufficient security against the loan.I
do not concur and strongly deny because whatever I did is in the banks for the commercial interest of
the bank

SIR, there is common queries of irregularities in which I state that

1. Post sanction inspection report which is done by the other office in routine course and on the
basis of declaration of borrower proposal is prepared. Also farmer have ancestral business of
farming which is done by farmer with loan or without loan . so there is no question of end uuse
of funds.
2. Majority loan enhancement is done in existing old borrower whose past record with bank was
good.
3. Cibil report is common query in the all accounts anf for that we have produce MEX-43 which is
quash the query raise.
4. I have done the work in the branch so many years and surrounding area was known by me and
accounts have turned in to NPA is not the reason of deficiencies of documents but the actual
reason is (a) political disturbances and rumor of debt waiver by the political leaders and farmers
are always waiting for financial advantages.(b) in the year 2016 there was only NPA OF RS.
25.00 LAKHS AFTER DEMONITIZATION majority private lenders had stopped the help to farmers
for renewal of ckcc loan.
5. I have done work in agri dept so many years we have worked very hard and tried level best for
growth of bank business with minimum NPA.
6. During the 2014 to 2016 branch internal audit was and other special audit were carried but no
adverse report was trace by the than auditors. Also all the audit reports were closed at higher
office.

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