Check List for Critical Error Report

Customer Profile Format A

Er
no
1

Column
Name
Customer Id

Suggestive Reason For Critical Error

Customer
Name

If Customer Name Does Not Contain LTD Or LTD. Or

LIMITED for Private Limited or Limited Companies

Customer
Since

Blank or Invalid Customer Since

Customer Since beyond Month End Date
For Npa Customers, Customer Since Date is after Npa Date

Constitution
Code

Blank or Invalid Constitution Code

Blank Customer Id or Blank Customer Name

For Staff Customers (as per Special Category Code) ,

Constitution Code other than 41,42,43,44
5

Religion

If constitution code is 41,42,43,44, then blank or Invalid

Religion Code.

Caste

If constitution code is 41,42,43,44, then blank or Invalid Caste

Code.

Occupation

Farmer Catg.
Code

If Constitution Code 41,42,43,44 and for any account of the

customer (farming related activities) or GL Code 2410 then
occupation code must be 701
If Constitution Code 41,42,43,44 and Occupation=701 then
Blank Or Invalid Code

10
to
13

Special Catg.,

Special Category Code 91,92 allotted to Customers with total

Limit less then 5 Crore.
Special Category Code 71, A/cs should be of Sector related to
SSI/LMI.
Special Category Code 77,76, A/cs should be of Sector related
to Direct Agriculture.
For Special Category Code 71,72,91,92,76,77,74 (Restructured
a/cs), Restructure date not provided or invalid date i.e. greater
than Qtr End / Month Date.

1
26/01/2015 , 4:49 PM

Check List for Critical Error Report

Customer Profile Format A
Er
no

Column
Name
GovGrAmt
PF No

20

21

Parent
Branch,
No,

Suggestive Reason For Critical Error

If (SplCatg = 20 or 21 or 22 or 23 or 25) And Government Gr
Amt is Blank
If at least one of the Spl Catg field is related to staff and PF No
is left blank
Invalid Parent Branch Code or Parent Branch not given or Blank
Parent Customer ID for Sanction / Review Authority is of 99 i.e
Sub-Limits

Fixed Assets
Valuation
Date

Fixed Assets Valuation Date is Blank

Invest. in
Plant
& Mec

If Sector belongs to SSI or LMI AND ReviewAuthority<>99

THEN Investment in Plant and Machinery not provided / Blank
then ERROR

Fixed Assets Valuation Date is less than Customer Since

Fixed Assets Valuation Date is more than Month end date.

For LMI, Investment in Plant and Machinery is less than 100

Lacs.
For Artisan & Tiny Sector ( Sector A&H , TINY), Investment in
Plant and Machinery is more than 25 Lacs
For SSI, Investment in Plant and Machinery is more than 100
Lacs.
Exception of above is - For SSI Units with Special Category Code
64 i.e. SSI Units registered between 1997 to 1999, Investment
in Plant and Machinery is more than 300 Lacs.
Exception of above is - For SSI Units with Activity Code 6524,
7306, 7307, 7308, 7309, 7310, 7535, 7022, 8442 Investment
in Plant and Machinery is more than 500 Lacs.
14

Credit Rating
Score

Old Credit Rating Blank for Borrowers having Exposure between

2 Lacs and 25 Lacs
New Credit Rating not provided for Borrowers having Exposure
above 25 Lacs
New credit rating given even though not applicable.

2
26/01/2015 , 4:49 PM

Check List for Critical Error Report

Customer Profile Format A
Er
no
15

Column
Name
Review Auth.

Suggestive Reason For Critical Error

16

Next Date of
Review

Blank Next Review Date. A/Cs to be excluded are Staff, LAD,

Activity Codes 9512,9501 and ReviewAuthority<>99

Blank or Invalid Review Authority Code then ERROR

Next Review Date After 3 Years

If LastReviewDt > NextReviewDt Or NextReviewDt <
CustomerSincedt AND ReviewAuthority<>99 then ERROR
18
19
22

Interest
Charged
Upto.
NPA Status
Codes
Npa (SF /
RC / DRT)
Status
Date
Npa (SF /
RC / DRT)
Status
Amount

For NPA Customers Blank Interest Application Date

Interest Application Date after Month End Date
Blank or Invalid Npa Status for NPA Customers
Npa Status Date not provided for Npa Borrowers other than Npa
Status Code 99.
Npa Status Date is after Month end Date.
Npa Status Amount not provided for Npa Borrowers other than
Npa Status Code 99.

3
26/01/2015 , 4:49 PM

Check List for Critical Error Report

Account Profile
Er
no

Column
Name
GL Code

3
5
6
7
9

Customer Id
Sector
Activity
Scheme
Sanction Date

Amount
Sanction

Disbursement
Date
LAD Date

Suggestive Reasons For Critical Error

Accounts in GL code 2356 (FITL) will be allowed for
restructured accounts only (Special Category code 71,72, 74,
91,92, 46, 47, 48, 49).
No Record in Customer Profile
Sector is not mentioned or Invalid Activity code or Sector/
Activity mismatch as per the Annx
Activity mismatch as per the Annx
Limit Sanctioned Date is not mentioned
Sanction date is prior to Borrower Since
Sanction date is later than Month end date.
Limit Sanctioned is not mentioned
New Gl code 2273, Maximum Sanctioned Limit can be Rs.
25000/For Constitution Code 41,42,43,44,39,40 Limit Sanction or
O/s Balance is more than 10 Crore
Disbursement Date is not mentioned
Disbursement Date is prior to Sanction Date
Disbursement Date is later than Month end date.
Blank LAD Date. Staff, LAD , GL Code 2320,2265,2341
excluded.
LAD Date beyond Month End date.
LAD Dt < Account Sanction Date

10

Util. Dist.

Invalid or Blank Utilisation District

11

Area &
Vill.Code

Blank Utilisation Area

For Rural Area i.e Area = "1", Blank Village code
New Gl code 2273- Baroda General Credit Card (BGCC) is
restricted for Rural (1) & Semi urban area (2).

4
26/01/2015 , 4:49 PM

Check List for Critical Error Report

Account Profile
Er
no
20

Column
Name
Interest rate

Suggestive Reasons For Critical Error

Interest Rate More than 20%
Interest Rate Not provided i.e 0 interest rate excluding
following accounts
GL Code 2390,2380,2356
GL Code 2350/2300 and Activity Code 9501 and Scheme
Code 600
Interest Rate is Negative.

12 to
15

Primary
Security Code

Primary CRM RV provided but CRM Security Code not provided.

Primary CRM Security Code should be from the list of Security
codes entered as part of Basel II Additional Information.
Primary Non CRM RV provided but Non CRM Security Code not
provided.
Security Code 90 should be exclusive and Total Primary RV
should be 0.

16to
19

Collateral
Security Code

Collateral CRM RV provided but CRM Security Code not

provided in any of the account.
Collateral CRM Security Code should be from the list of Security
codes entered as part of Basel II Additional Information.
Collateral Non CRM RV provided but Non CRM Security Code
not provided in any of the account.
Security Code 90 should be exclusive.

5
26/01/2015 , 4:49 PM

Check List for Critical Error Report

Bills Format B
Er
no
22

Column
Name
Bill Purchase
Date

Suggestive Reasons For Critical Error

23

Bill Due Date

For Bills, Blank due date of Bill

Bill Purchase Date should not be blank.

Bill Purchase Date is less than Sanction Date.
Bill Purchase Date is beyond month end Date.

Bill due date is within 7 days of Bill Purchase Date

Exception to above is For GL Code 2200, Bill Due date is
beyond 7 Days.
Due Date of Bill is beyond 30 Years
24
25
26

Nature
Country Code
Balance
LRF Balance

Bill Nature is not mentioned or invalid.

Country Code is not mentioned or invalid.
Balance is not given
If Bill purchase date is on or before LRF date and Balance is not
given.
If Bill purchase date is after LRF date and Balance is given.

6
26/01/2015 , 4:49 PM

Check List for Critical Error Report

Cash Credit Format C
Er no

61

Column
Name

Suggestive Reasons For Critical Error

Draw limit Q1,

Draw
Limit Q2
Cont.excess
Since

Draw Power is more than the Sanction Limit

O/s Balance is more than Drawing Power and Continuous

Excess Date is Blank (excluding always standard accounts)
Continuous Excess Date after Month End Date.

21

Stock
Statement
Date

For GL Code 2250, other than Agriculture Accounts, Stock

Statement Date not provided
As per above, Stock Statement Date beyond Month End Date
As per above, Stock Statement Date < Sanction Date

Stock Value

For GL Code 2250, other than Agriculture Accounts, Value not

provided.

Last Credit
Date

Last Credit Date is less than Sanction Date.

Last Credit Date is beyond month end Date.

55

Adhoc Date

56

Adhoc Amount

Adhoc Date is beyond month end date.

Adhoc Amount provided but Adhoc Date blank.
Adhoc date provided but Adhoc Amount blank.

7
26/01/2015 , 4:49 PM

Check List for Critical Error Report

Term Loan / Demand Loan Format D
For TL/DL
Prin.Amt
Repay. Sche.
(mode,
no.of inst.,
amt.of Inst.)
I instl.due ,
Rephasement
code,

Blank Repayment schedule i.e Principal Amount , Mode , No of

Instalments , Amount of Instalment and First Instalment Date
Exception to above is RepayMode 97 and 98. For these codes
First Installment Date condition not checked
First Installment Date should be greater than DisbursementDt
First Instalment date is beyond 20 years.
First Instalment date is older than 50 Years.
For GL Code 2314,2316, First Instalment date is beyond 7
Days of disbursement date
Invalid Repayment Mode
Repayment period i.e. no of instalments are more than 30
Years (for monthly -360,Qtr-120,Half Yearly-60,Yearly30)
For Equated Installments, Amount of installment is less than
the Normal Installment Amount
For Constitution Code 41,42,43,44,39,40 Principal Amount
or O/s Balance is more than 10 Crore
O/s Balance is more than 2 time of Principal Amount
Invalid Rephasement Code
1st Instalment due date is prior to Disbursement Date.
If Repay mode is 97 then total of all Instalments should be
equal to Principal.
If Repay mode is 98 then total of all Instalments should be
more than Principal.

LRF Balance

If Bill purchase date is on or before LRF date and Balance is

not given.
If Bill purchase date is after LRF date and Balance is given.

8
26/01/2015 , 4:49 PM

Annex a
Critical Relation Among Activity Code and other parameters
Invalid or blank activities
Accounts of same borrower are having activity codes of SSI and LMI activities.
Activity code belongs to OPS-INDR and constitution code is 41, 42, 43, 44, 38,
40, 39 or 55 onwards
Activity code 9501 can be used only for Staff
Activity code is 9535 (BOBCARD TOD) but GL Code is not 2270 or Gl Code is
2270 but Activity code is not 9535.
Activity code belongs to HOUS-INDR or OPS-INDR OR 2931, 9089 AND
constitution code is 41, 42, 43, 44, 38, 40, 39 or 55 onwards ( cannot be used
for individuals / HUF / SHG / NGO )
GL code 2273- and occupation is 701 (Farmers).
Activity code belongs to OPS-INDR and constitution code is 41, 42, 43, 44, 38,
40, 39 or 55 onwards
Activity code 9501 can be used only for Staff
For Activity Code 1307,1311, Principal Amount should be less than or equal to
30 Lacs
For Activity Code 1306, Principal Amount should be less than or equal to 40
Lacs
For Traders under Priority Sector i.e Sector=RTL, Limit / Principal amount
should be less than or equal to 10 Lacs
For Sector=EDU Scheme Code should be 225 , 55, 226, 227, 228, 252, 254
For Abbrivi=HOUSING, Scheme Code should be 31 , 201, 220, 221, 229, 230
For Abbrivi=HOUS-IND,Scheme Code should be 201
For Priority Sector Housing Loan i.e Sector=HOPS, Principal Amount is beyond
15 Lacs
For Non Priority Sector Housing Loan i.e Sector=HONPS, Principal Amount is
Less than 15 Lacs
For Sector=CON, O/s Balance should be < 1 Lac
For Activity Code Abbrivi=RETAIL except Activity Code 9302, Scheme Code
should be 50
For Activity Code 9512, GL Code should be 2320 / 2341 / 2265
For Activity Code 9302, Scheme Code should be 85
For Activity Code 6066, Scheme Code should be 240
For Activity Code 9535, GL Code should be 2270 and Scheme Code 998 / 999
For Activity Code 6068, Scheme Code should be 231
For Activity Code 9501, Constitution Code should be 41,42,43,44
For Activity Code 9511, GL code should not be 2265 / 2320 / 2341
For Activity Code 9075 / 9072,Constitution Code should not be 14 /
41,42,43,44,40, 39 / 55 / 56 / 57 / 62 / 63 / 64 / 65 / 66 / 67
For FDB Activities except 9070 /9008 OR Abbrivi=HOUS-IND, Constitution
code should not be 41,42,43,44, 37, 38, 40, 39 / 55 / 56 / 57 / 62 / 63 / 64 /
65 / 66 / 65 67

9
26/01/2015 , 4:49 PM

Activity Code 9999 is not accepted for O/s Balance > 1 Lac
For LMI Activity Codes, Constitution Code as 14 / 41, 42, 43, 44, 40, 39 / 55 /
56 / 57 / 62 / 63 / 64 / 65 / 66 / 67 is error.
For Special Category Code 71, Activity code should be of SSI / LMI
For Special Category Code 72, Activity code should be of Direct Agriculture i.e.
Sector=AGRST / AGRLT except mstactvity.Group<>29
For Activity code 9501, GL Codes should be Staff related only.
For Non-Priority Retail Traders i.e Sector=RTLNPS, Limit / Principal amount
should be above 10 Lacs.
For Activity Code 4299 and sector (RTLNPS), Limit should be greater than 10
lacs and less then 25 Lacs. O/s Balance should be less than 25 Lacs
******

10
26/01/2015 , 4:49 PM

Annex b
Critical Relation Among Scheme Code and Activity code/other
parameters

Scheme Code

Critical Error Rectification

Invalid or blank scheme code.
For Scheme Code 255,601 Constitution Code
should be 41,42,43,44 and GL Code should be
2300
Retail Scheme Codes are provided for facilities
other than TL/DL except following Scheme Code
710,231,232,245,256 for GL Code 2260/2265
Overdraft (Gl code 2260 or 2265) will be accepted
for retail lending schemes- Baroda Professional
Loans (Scheme 253) and Loan to Doctors (Scheme
257).
For Retail lending scheme Baroda Desh Videsh
Yatra Loan (Scheme code 255) only Demand Loan
(Gl code 2300) will be accepted.

270
227
600
245
85
601
632 , 255
4

Activity
Activity
Activity
Activity
Activity
Activity
Activity
Activity

37

Activity Should be related to 'FARM-CROP'

24
3
50

Code Should be 1201 / 1204

Code Should be 3399
Code Should be 9501
Code Should be 9511 / 9516, 9517
Code Should be 9302
Code Should be 9522
Code Should be 6154
Should be related to AG-AH or ALLIED

Activity Should be related to 'FARM-CROP' /

'PLANTATION'
Activity Should be related to 'AG-MI'
Activity Should be related to Consumption Loan
'CONSUMP'

11
26/01/2015 , 4:49 PM

Scheme Code
225 , 55 , 226, 228,
252, 254

Critical Error Rectification

Activity Should be related to 'EDU'

31, 201, 220, 221, 229, Activity Should be related to 'HOUSING' or 'HOUS230
INDR'
2, 6, 7, 8, 9, 10, 11,
996, 14, 15, 16, 997, 18,
19, 20, 21, 22, 23, 28,
Activity Should be related to 'PS'
29, 30, 205, 12, 210, 34,
35, 33, 17, 275, 520

86, 72

Activity Should be related to 'PS' and Interest Rate

should be 4.00%
Activity Should be related to Sector=
'RTL','SB','A&H','TINY'
Activity Should be related to 'SSI'

551

Activity Should be related to 'SSI' or 'OPS'

1
5

710
707
215, 216, 36, 998
265

Activity Should be related to Sector= 'RTL','SB',' or

Activity code 2901, 2902, 2904, 2911, 2912, 2913,
2925, 2905, 2999, 2917, 2999
Activity should not be of
Priority/Industry/Trading/Fdb
Activity Should not be related to Sector='LMI'
Utilisation Area Code should be 1 or 2

12
26/01/2015 , 4:49 PM