BRANCH MANAGER'S IAD RATING CHECKLIST

22/09/2020

Branch Name / ID :- 01:02

Branch Manager Name /ID : 8245
ARO Name / ID:- No record
Regional Manager Name /ID :- 0076
DDO/ADO:- No record
Marks Maximum Rating
500 0

Financial Procedures 90 0
Cash
5.00
Physical verification of cash in vault tallied with cash book
Disbursement register complete in all respects maintained neat & clean without cutting & 5.00
overwriting, duly signed by all signatories ,client's, guarantor,CM, Cashier, BM / AM

Daily closing of cash book tallied through Disbursement register, Collection register and Bank 5.00
Transaction Register, duly verified & duly signed by Branch Manager should be tallied with DCR
Weekly Report.
5.00
Settlement of excess cash without proper Documentationand approval of Competent authority /
timely Manner
5.00
Discrepancies observed in cash collection - number of incidences more than 03 times
One of the cash keys being rotated on daily basis and proper record of cash key rotation is being 5.00
maintained at the branch.
5.00
Payments to staff are made correctly according to their absentee records.
BANK TRANSACTIONS
5.00
Bank register maintained & tallied on daily basis
Copy of latest authorized signatory letter duly acknowledged by bank kept on record and tallied with 2.50
bank signatory register .
Bank accounts reconciled on monthly basis within 15 days of next month. 5.00

Does bank related issue of clients like cash withdrawal of the disbursement amount resolve by BM 5.00
on on priority basis.
Ensure to fix stamp of pay to as “cashpor micro credit” is mention with two across line on each 5.00
cheque leaf.
5.00
Reason of cheque cancellation maintained in cheque cancel register and also in bank register
FIXED ASSETS & STOCK REGISTER
5.00
Fixed Assets register maintained & physical verification tallies with it
2.50
Stock register maintained & physical verification tallies with it
5.00
Shop and establishment registration available at branch.(if Applicable )
5.00
Month wise electricity bill obtain & timely payment without any surcharge/ Penalty
5.00
Rent paid as per rent agreement and rent agreement enforce and available at the branch.
BRANCH FUNCTIONING AS PER GUIDELINE
5.00
Branch location & adequacy of space at the branch

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 BRANCH MANAGER'S IAD RATING CHECKLIST
22/09/2020

5.00
Maintenance of Attendance register
5.00
Leave record/register tallied with attendance register and leave portal on daily basis.
2.50
Whether Station leave procedure is being followed and register updated.
Supervisory instructions contained in the Monitoring Register are being complied with. 5.00
5.00
Movement Register is being kept up to date.
Guest bed found in good condition available at the Branch 5.00
All staff bed's are found in good condition and in off season bedding kept in Box at branch. 5.00
Weekly staff meeting conducted by BM & minutes recorded 5.00
Sadsya Diwas organised at branch on monthly basis & minutes recorded 2.50
Whether food items purchased for mess by BM on cash. 5.00
Branch Mess subsidiy were utilised by only branch staff ( BM/ CM) and staff wise diets charge 5.00
were properly recorded in mess register.
Mess diet of visitor were proper recorded in mess register with signature of visitor and charges are 5.00
being paid by visitor as paid.
Cashless disbursement Procedure
Do BM & CM verify the bank account details of client in the sugam mobile application with the 10.00
original copy of the KYC.
Do Clients come at the branch with her original updated passbook & last 06 months transactions 5.00
reflect in the passbook for loan disbursement .
5.00
Is taken the geo-tagged photograph of the client with her spouse in front of their house.
Ensure the name of the client in the photocopy of Adhaar card must be match in the name mentioned 5.00
in the loan proposal & in her saving account passbook.
5.00
Is Client’s consent is being taken at her home or not disbursment/ execution.
Ensure that client is appear for disbursement at the branch along with the guarantor & with original 5.00
copies of Aadhaar card & saving bank passbook.
5.00
Is being OTP taken by center manager at client’s home.
Is ensure by branch manager & center manager the given bank account by client is saving account 5.00
not other account like “Jandhan Account”.
5.00
Is client’s Bank account no. being written on disbursement register.
5.00
It is ensure that clients have her owned or accessible mobile with activated sim or not.
FILING & TIMELY RETRIEVAL OF LOAN DOCUMENTS
Clients basic information report (Form No. -1 including CHI & PPI) tallies with SUGAM Application 5.00
/ web
20% Physical verification of new adding / replacement / GRT client of last six month 5.00
Self attested ID proof of clients and guarantor with original duly verified by BM 5.00
GRT/ JLG / KYC/ Declaration completed and kept in center file. 5.00
Clients signature are properly obtained across revenue stamp on DP Note 5.00
Last internal Audit Report available at the branch & complied in stipulated time. 10.00
Operation Manual,Saving Manual , Pension Manual ,Standing order, Circulars (including insurance , 5.00
) Office orders maintained in systematic manner at the branch

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 BRANCH MANAGER'S IAD RATING CHECKLIST
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2.50
Maintainance of dropout & replacement register

FIELD OPERATIONS & EFFICIENCY

CONTROL OVER C.M. FUNCTIONING AS PER GUIDELINE
Does “P" write for those members who are not agree for taking responsibility during credit 0.00
worthiness of client ?
Whether all Center collections deposited before 1 pm at the branch during the audit period. 5.00
Whether BM conducts Surprise Center Visit of all the Centers, at least once within three months & 15.00
reports available of S.C. V.
No priority to center leader in the Loan disbursement in case of New GRT 5.00
5.00
Rotation of CMs between centers, on yearly basis from the date of last rotation.
6.00
Has BM allocate the correct Monthly Target of CM for next month till last date of current month.
Rotation of Center Leader on yearly basis from date of last rotation and tallied with JLG form, 4.00
SUGAM /web and physically also.
More than one center meeting has been condcuted at one place and also not conducted at common 5.00
place .
Has the BM approved the list of villages to be covered within prescribed distance limit and center 5.00
wise list of other MFIs Charts operating in the area with details, updated
Cross check of Mismatches of passbook with SUGAM Application/ Web / Non updation of 5.00
passbook
5.00
Clients loan Passbooks of most of clients is preserving by center leader or one of the center member
0.00
Disbursement on low center attendance
0.00
Whether the attendance of clients in database is matching with CMR.
Complaint box, Mobile no. of Grievances Redressal Cell, Complaint Register are being maintained 5.00
and redressal recorded.
LOANS APPROVAL,DISBURSEMENTS & UTILISATION CHECK
Scrutiny of loan documents (5% of loan disbursed from the date of last audit) and proper steps 5.00
followed in the disbursement .
2.00
(A) No loan disbursed to clients having default of 05 or more installment
(B) No loan disbursed to clients more than their eligibility criteria with regard to number of cycle
completed.
Loan utilization checking by BM minimum 50% of the number of loans disbursed and tallies with
0.00
SUGAM Application / web within 45 days and in the case of new GRT should be within 15 days
15.00
New Pipelining cases were mention in the branch pipeling register from last six month
5.00
Only eligible client /spouse insured and proper applicable insurance premium collected
5.00
Insurance record/ register maintained as per circular & tallied with data base
Is death verification done properly within one week after receiving information of death of client / 5.00
spouse
Whether or not insurance claim verification report ( Annexure -C ) , Death certificate, Copy of Loan 5.00
proposal & Passbook duly checked and submitted to HO /RO timely
5.00
Death case claim payout pending at branch from more than two month

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 BRANCH MANAGER'S IAD RATING CHECKLIST
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EFFICIENCY INDICATOR
Total no. of ALC ,Average ALC per center , Average loan per client, Average loan per center , 5.00
Portfolio , Percentage of PAR
Schedule of center meetings (day & time match with SUGAM Application / web, Branch chart & 5.00
actual meetings time at the center)
5.00
No. of CMs handling centers more than company norms
Financial intermediary services
Savings Program
10.00
Are Saving transactions done through electronic machine (OTG),
E-Money register should be updated on daily basis by Branch Manager. 2.50
Business correspondence
5.00
Is Clients aware about the name of BC bank
5.00
Business correspondence forms are proper filling & sending as per TAT
5.00
BC Bank Loans are disbursed to client as per TAT
Old age Pension Scheme
Subscribers contribution receipts numbers tallied with MOBI TRACKER and cancelled receipts duly 5.00
stapled and kept in vault for safe custody.
5.00
Subscribers Passbook updated & tallies with MOBI TRACKER.& ,Pension subscribers contribution
collection register tallies with the MOBI TRACKER
Non Financial Activities
Education Program viz: Scholarship, Cashpor Education Centers ( CEC) if applicable are being 10.00
conducted as per guideline.
Is Monthly visit done by Branch Manager on all CEC center of concern branch.
Health Program viz: Mini Health Clinic, Sanitation program and all CHF activities if applicable are 15.00
being conducted as per guideline.
Is Compliance with all the rules and standard operating procedure being ensured by the BM for all 10.00
the Fortnightly MHC conducted at his branch .

TOTAL RATING SECURED 460.00

RATING PERCENTAGE 86.50
Negative Marks deducted
Mark deducted due to fraud cases at branch
Net Marks secured