C A R M-13

Branch:NARSIPATNAM

For the month of December 2014

Report on Temporary Overdrafts / Adhoc Limits allowed/ Excess drawls allowed

A. Excess Drawls Allowed:

Furnish full details of Excess Drawals allowed and remaining un adjusted as on the
last day of the month
Sl
No

A/c No.

Name of the
Account
Holder

Date
of
Openin
g
of
Accou
nt.

Date
of
allowi
ng
TOD

No.
of
times
TOD
allowed
during
the
Current
financial
year

Peak
Over
draft
Allowed
-(Rs)

Over
draft
outstan
ding as
at
the
end of
current
month

Reasons for
non-adjust
ment

1
2

NIL

3
4
5
6
7
8
9
10
11

Whether request letters are obtained from the borrowers

/ customers specifying the amount and period for
which Temporary Overdrafts are sought before sanctioning/
/permitting TODs
Whether any TODs are observed in savings bank group
of accounts / Staff Accounts either due to ATM transactions
or for any other reason
Whether confirmation is sought from Zonal Office for
exceeding delegated powers
Whether TODs are allowed in accounts only with
satisfactory transactions for a minimum period of one year
Whether TODs allowed are for cash drawals
Whether TODs are allowed for more than six times in
a financial year in the same account
Whether TODs allowed are adjusted within a maximum
period of 15 days
TODs outstanding for more than 7 days are reported
in ADA_XI to the Controlling Office on
Whether interest is recovered at applicable rates for the
TODs allowed
Comment on adequacy of Follow up in recovering TODs
Whether register for TODs allowed is maintained
properly

yes

Due to ATM
Transaction
NA
Yes
No
No
Yes
Yes
Yes
Satisfactory
Yes

12

Any other observations/comments under TODs, which require the

attention of Zonal/Head Office

Deficiencies observed
NIL

Nil

Branch compliance
NIL

ADHOC LIMITS: Adhoc Limit allowed during the Month

Furnish Full details of Adhoc Limits and outstanding during any part of the current month
sanctioned by branch
Sl. Name of the
No. borrower

Ad-hoc
Allowed
On

Regular
Limit
(Rs. in
Lakhs)

Ad-hoc
Amount
Allowed
(Rs. in
Lakhs)

Adhoc
Due
Amount Date
Outstand
Ing at the
End of
the month

Adju Reasons for

sted Allowing
Adhoc
on

S1

NA

1
2
3
4
5
6
7
8
9
1
0
1
1

Whether Request letters are obtained from the borrowers/customers

for sanctioning/permitting Adhoc Limits in any of the facilities
Adhoc limits sanctioned are within the discretionary powers of Branch
Manager and reported to Controlling Authorities for review in ADA IX
statements on
Whether the account where Adhoc limits are sanctioned is Standard
and performing
Whether the conduct of account is satisfactory
Whether any irregularities or overdues are observed in any of the credit
facilities sanctioned to the borrower
Whether sanction terms and conditions are fully complied with and
compliance certificate sent to sanctioning authority at the time of
considering sanction of adhoc limits
Whether both Adhoc and Excess drawals are allowed simultaneously
to any of the borrowal accounts which is not in order
Whether additional interest as per guidelines is charged on Adhoc
sanctions made
Whether adhoc limits sanctioned are adjusted within the period for
which they are sanctioned.
(Mention Accounts where Adhoc limits are not adjusted on Due Dates)
Whether register of Adhoc limits allowed is maintained properly
Any other observations/comments under Adhoc sanctions, which
require the attention of Zonal/Head Office

YES
YES
YES
NO
YES
YES
NO
YES

YES
NIL

No of times
Ad-hoc Limits
allowed to
the same
borrower