Index of Circular Letters issued from 01.04.2023 to 31.03.

2024

Cir.No. Date Dept. Ref. Subject

Modus Operandi in various Perpetrated Frauds

HO/FRMD/DSR/
(Q4-FY2023-24) Precautions to be taken to
2023-24/118 31.01.2024 (Operational)/202
safeguard Bank's interest (Fund transfer through
3-24/
RTGS using cloned / forged cheque)

Modus Operandi in various Perpetrated Frauds

(Q4-FY2023-24) Precautions to be taken to
HO/FRMD/DSR/ safeguard Bank's interest (Gold Loan Fraud —
2023-24/117 30.01.2024
(Credit)/2023-24/ Pledge of spurious/ fake gold by borrowers in
collusion with Gold
Assayer/ Valuer)

STAR CHANNEL FINANCE STEEL AUTHORITY

HO:DLD:MAQ:202
2023-24/116 11.01.2024 OF INDIA LIMITED (SAIL) - DEALER FINACE
3-24:140
PROGRAM

STAR CHANNEL FINANCE MARUTI SUZUKI

HO:DLD:MAQ:202
2023-24/115 11.01.2024 INDIA LIMITED (MSIL) - DEALER FINACE
3-24:47
PROGRAM

HO:DLD:MAQ:202 STAR CHANNEL FINANCE PREET TRACTORS

2023-24/114 10.01.2024
3-24:14 PVT LTD (PTPL) - DEALER FINACE PROGRAM

Modus Operandi in various Perpetrated Frauds

(Q4-FY2023-24) Precautions to be taken to
HO/FRMD/DSR/ safeguard Bank's interest (Staff related fraud-
2023-24/113 20.01.2024
(Staff) /2023-24/ Activating inoperative accounts of customers
and unauthorisedly transferring funds to
personal account)

Modus Operandi in various Perpetrated Frauds

HO/FRMD/DSR/ (Q4-FY2023-24) Precautions to be taken to
2023-24/112 20.01.2024 (Operational )120 safeguard Bank's interest (RTGS transfer on the
23-24/ basis of fake phone call, fake Mandate letter for
debit, fake e- mail
Modus Operandi in various Perpetrated Frauds
(04-FY2023-24) Precautions to be taken to
HO/FRMD/DSR/
2023-24/111 20.01.2024 safeguard Bank's interest (Gold Loan Fraud —
(Credit)/2023-24/
Pledge of spurious/ fake gold by borrower in
collusion with Gold Assayer/ Valuer)
Modus Operandi in various Perpetrated Frauds
HO/FRMD/DSR/ (Q4-FY2023-24) Precautions to be taken to
2023-24/110 18.01.2024
(Credit/2023-24/ safeguard Bank's interest (Misutilisation and
diversion of loan funds, investment in subsidiary

Classification: Internal
 company, routing of transactions other than
Bank account)

Modus Operandi in various Perpetrated Frauds

HO/FRMD/DSR/ (Q4-FY2023-24) Precautions to be taken to
2023-24/109 18.01.2024 (Operational)/202 safeguard Bank's interest (Cheque related fraud-
3-24/ presenting fake/ forged/ cloned Cheque in CTS
clearing)
Modus Operandi in various Perpetrated Frauds
HO/FRMD/DSR/ (04-FY2023-24) Precautions to be taken to
2023-24/108 18.01.2024 (Operational)/202 safeguard Bank's interest (Unauthorised cash
3-24 withdrawal at counter by impersonating and
stolen cheque)
Modus Operandi in various Perpetrated Frauds
HO/FRMD/DSR/ (Q3-FY2023-24) Precautions to be taken to
2023-24/107 05.01.2024 (Credit/2023- safeguard Bank's interest (Misutilisation and
24/818 diversion of loan funds, Short term funds utilised
for long term purpose, inflated value of stock)
Modus Operandi in various Perpetrated Frauds
Ref: HO/FRMD/ (Q3-FY2023-24) Precautions to be taken to
2023-24/106 05.01.2024 DSR/(Operational) safeguard Bank's interest (Cheque related fraud-
/2023-24 presenting fake/ forged/ cloned Cheque in CTS
clearing)
Modus Operandi in various Perpetrated Frauds
Ref: HO/FRMD/ (Q3-FY2023-24) Precautions to be taken to
2023-24/105 04.01.2024 DSR/(Credit/2023- safeguard Bank's interest (Misutilisation and
24/ diversion of loan funds, asset not created out of
loan funds)
Modus Operandi in various Perpetrated Frauds
Ref: HO/FRMD/ (Q3-FY2023-24) Precautions to be taken to
2023-24/104 22.12.2023 DSR/(Operational) safeguard Bank's interest (RTGS transfer on the
/2023-24/7 basis of fake phone call, fake Mandate letter for
debit, fake e- mail

Modus Operandi in various Perpetrated Frauds

(Q3-FY2023-24) Precautions to be taken to
HO/FRMD/DSR/
safeguard Bank's interest (Misutilisation and
2023-24/103 01.01.2024 (Credit/2023-
diversion of loan funds, non - existence of
24/184
business activity at the given address, Defective
mortgage)
Modus Operandi in various Perpetrated Frauds
(Q3-FY2023-24) Precautions to be taken to
Ref: HO/FRMD/ safeguard Bank'sinterest (Staff related fraud-
2023-24/102 28.12.2023 DSR/ (Staff) /2023- Unauthorised closure of deceased SB account,
24/ Opening of overdraft account in staff name and
transferring funds lying in TDR account of
customer)

Classification: Internal
 Ref: HO/FRMD/ Modus Operandi in various Perpetrated Frauds
2023-24/101 28.12.2023 DSR/ (Staff)/2023- (Q3-FY2023-24) Precautions to be taken to
24/760 safeguard Bank's interest

Ref: HO/FRMD/ Modus Operandi in various Perpetrated Frauds

2023-24/100 28.12.2023 DSR/ (Retail (Q3-FY2023-24) Precautions to be taken to
Credit) /2023-24/ safeguard Bank's interest

Ref:HO/FRMD/DS Modus Operandi in various Perpetrated Frauds

2023-24/99 18.12.2023 R/ (Credit)/2023- (03-FY2023-24) Precautions to be taken to
241/751 safeguard Bank's interest

Ref:HO/FRMD/DS Modus Operandi in various Perpetrated Frauds

2023-24/98 18.12.2023 R/ (Credit)/2023- (Q3-FY2023-24) Precautions to be taken to
241/750 safeguard Bank's interest

Modus Operandi in various Perpetrated Frauds

Ref:HO/FRMD/DS (Q3-FY2023-24) Precautions to be taken to
2023-24/97 18.12.2023 R/ (Credit)/2023- safeguard Bank's interest
241/749 (Cheque related fraud- presenting fake/ forged/
cloned Cheque in CTS clearing)
Modus Operandi in various Perpetrated Frauds
(Q3-FY2023-24) Precautions to be taken to
Ref:HO/FRMD/DS
safeguard Bank's interest (Misutilisation and
2023-24/96 18.12.2023 R/ (Credit)/2023-
diversion of loan funds, non - existence of
241/748
business activity at the given address, dual
financing for same activity)
Modus Operandi in various Perpetrated Frauds
Ref:HO/FRMD/DS (Q3-FY2023-24) Precautions to be taken to
2023-24/95 18.12.2023 R/ (Credit)/2023- safeguard Bank's interest (Gold Loan Fraud —
241/747 Pledge of spurious/ fake gold by borrowers in
collusion with Gold Assayer/ Valuer)

Index of Branch Circulars / Circular letters /Inter-

HO: SMS:
2023-24/94 05.12.2023 Office Memorandum issued
AKS:2023-24:248
During 01.11.2023 to 30.11.2023.

Index of Branch Circulars / Circular letters /Inter-

HO: SMS:
2023-24/93 05.12.2023 Office Memorandum issued during 01.10.2023 to
AKS:2023-24:247
31.10.2023.

Modus Operandi in various Perpetrated Frauds

(Q3-FY2023-24) Precautions to be taken to
HO/FRMD/DSR/(C safeguard Bank's interest(Gold Loan Fraud —
2023-24/92 22.11.2023
redit)/2023-24/518 Pledge of spurious/ fake gold by borrowers in
collusion with Gold
Assayer/ Valuer)

Classification: Internal
 Modus Operandi in various Perpetrated Frauds
(Q3-FY2023-24) Precautions to be taken to
safeguard Bank's interest (Staff related fraud-
HO/FRMD/DSR/(St Opening of overdraft account in staff name by
2023-24/91 22.11.2023
aff)/2023-24/517 transferring funds lying in TDR account of
customer. Logging in Log in ID of other Branch for
opening
unauthorised account)

Modus Operandi in various Perpetrated Frauds

HO/FRMD/DSR/ (03-FY2023-24) Precautions to be taken to
2023-24/90 22.11.2023 (Credit)/2023- safeguard Bank's interest (Gold Loan Fraud —
24/516 Pledge of spurious/ fake gold by borrowers in
collusion with Gold Assayer/ Valuer)
Modus Operandi in various Perpetrated Frauds
HO/FRMD/DSR/(O (Q3-FY2023-24) Precautions to be taken to
2023-24/89 22.11.2023 perational)/2023- safeguard Bank's interest (Fake Mandate letter for
24/515 fund transfer through RTGS)

Modus Operandi in various Perpetrated Frauds

(Q3-FY2023-24) Precautions to be taken to
HO/FRMD/DSR/(R safeguard Bank's interest (Home Loan fraud —
2023-24/88 09.11.2023
etail)/2023-24/437 availing loan by hiding information related to the
property, double financing on same property)

Modus Operandi in various Perpetrated Frauds

(Q3-FY2023-24) Precautions to be taken to
HO/FRMD/DSR/(C safeguard Bank's interest (Gold Loan Fraud —
2023-24/87 07.11.2023
redit)/2023-24/433 Pledge of spurious/ fake gold by borrowers in
collusion with Gold Assayer/ Valuer)

Modus Operandi in various Perpetrated Frauds

(Q3-FY2023-24) Precautions to be taken to
HO/FRMD/DSR/(St
2023-24/86 03.11.2023 safeguard Bank's interest (Staff related fraud-
aff)/2023-24/422
fraudulent withdrawal from the account of
customers without any mandate)

Dearness Allowance payable to Officers and

Workmen Staff for the months of November,
2023-24/85 01.11.2023 HO:HR:IR:AP:17 December 2023 and January 2024 in terms of 8th
Joint Note / 11th Bipartite Settlement dated
11.11.2020

Modus Operandi in various Perpetrated Frauds

(Q3-FY2023-24) Precautions to be taken to
safeguard Bank's interest (Misutilisation and
HO/FRMD/DSR/(C diversion of loan funds, opening of intermediary
2023-24/84 27.10.2023
redit)/2023-24/405 account for routing business transaction,
mortgage of property which was already sold,
Opening of multiple current account in different
name of borrower etc.)

Classification: Internal
 HO/BU- LENDING TO MINORITY COMMUNITIES
2023-24/83 30.11.2023 RURAUSS/2023- -Capturing of proper data at branch level
24/437

Life Insurance Corporation of India (LIC).

HO: TPPD: BM:
2023-24/82 23.11.2023 Campaign: "LIC policy per Day per Branch"
2023-2024:356
Campaign Period: 20th Nov 2023 to 31st Dec 2023

HO/RBD/HS/2023- Retail Loan's Obtaining ECS Mandate through e-

2023-24/81 21.11.2023
24/127 NACH facility

SUD Life Insurance Co.Ltd.

HO/TPPD/ZA/2023
2023-24/80 16.11.2023 Life Insurance Special Business Drive: 16-23rd
-24/355
Nov 23

HO:CCD:BBK:202 Inland Bank Guarantee Confirmation Non

2023-24/79 21.10.2023
3-24: Transmission of SFMS messages

HO/FRMD/DSR/ Modus Operandi in various Perpetrated Frauds

2023-24/78 05.10.2023 (Operational)/202 (Q2-FY2023-24) Precautions to be taken to
3-24 safeguard Bank's interest

Initiation of promotion process for GBOs &

2023-24/77 06.10.2023 HR:PROM: 135 Specialist officers for promotion from Scale IV to
Scale V Eligibility Date 01.04.2024

Initiation of promotion process for Promotion

HO:HR:PROM:
2023-24/76 06.10.2023 from MMGS - Ill to SMGS-IV for General Banking
134
& Specialist Officers Eligibility Date 01.04.2024

Index of Branch Circulars / Circular letters /Inter-

HO: SMS:
2023-24/75 05.10.2023 Office Memorandum issued during 01.09.2023 to
AKS:2023-24:106
30.09.2023.

Modus Operandi in various Perpetrated Frauds

HO/FRMD/DSR/
2023-24/74 25.09.2023 (Q2-FY2023-24) Precautions to be taken to
(Credit/2023-24/
safeguard Bank's interest

Revision in Rate of Interest on:

i. Foreign Currency Non-Resident [FCNR (B)]
Deposit w.e.f. 01.10.2023
HO: FBD: PDT:
2023-24/73 30.09.2023 ii. Resident Foreign Currency (RFC) Term Deposit
23-24:04
w.e.f. 01.10.2023
iii. Resident Foreign Currency (RFC) Savings
Bank Deposit w.e.f. 01.10.2023

HO:CCD:BBK:202 Inland Bills Negotiated under LCs for non-

2023-24/72 14.09.2023
3-24:72 constituent borrower Operational Guidelines

Classification: Internal
 Modus Operandi in various Perpetrated Frauds
HO/FRMD/DSR/ (Q2-FY2023-24) Precautions to be taken to
2023-24/71 13.09.2023 (Operational)/202 safeguard Bank's interest (Cheque related fraud-
3-24/310 presenting fake/ forged/ cloned Cheque in CTS
clearing)

HO/FRMD/DSR/ Modus Operandi in various Perpetrated Frauds

(Credit/2023- (Q2-FY2023-24) Precautions to be taken to
2023-24/70 07.09.2023
24/297 safeguard Bank's interest

Modus Operandi in various Perpetrated Frauds

HO/FRMD/DSR/ (Q2-FY2023-24) Precautions to be taken to
2023-24/69 07.09.2023 (Credit)/2023- safeguard Bank's interest (Gold Loan Fraud —
24/296 Pledge of spurious/ fake gold by borrowers in
collusion with Gold Assayer/ Valuer)

Index of Branch Circulars / Circular letters /Inter-

HO: SMS:
2023-24/68 11.09.2023 Office Memorandum issued during 01.08.2023 to
AKS:2023-24:
31.08.2023.

Modus Operandi in various Perpetrated Frauds

HO/FRMD/DSR/29 (Q2-FY2023-24) Precautions to be taken to
2023-24/67 02.09.2023
2 (Credit)/2023-24/ safeguard Bank's interest (Fraud perpetrated by
pledging fake Kisan Vikas Patra)
Modus Operandi in various Perpetrated Frauds
HO/FRMD/DSR/ (Q2-FY2023-24) Precautions to be taken to
2023-24/66 02.09.2023 (Operational)/202 safeguard Bank's interest (RTGS transfer on the
3-2462/291 basis of fake phone call, fake Mandate letter for
debit, fake email)
Modus Operandi in various Perpetrated Frauds
HO/FRMD/DSR/ (Q2-FY2023-24) Precautions to be taken to
2023-24/65 02.93.2023
(Credit)/2023-24/ safeguard Bank's interest (Fraud perpetrated by
pledging fake NSCs)

HO/FRMD/DSR/ Modus Operandi in various Perpetrated Frauds

2023-24/64 02.09.2023 (Staff) /2023-24/ (Q2-FY2023-24) Precautions to be taken to
293 safeguard Bank's interest

HO/FRMD/DSR/ Modus Operandi in various Perpetrated Frauds

2023-24/63 02.08.2023 (Staff) /2023- (Q2-FY2023-24) Precautions to be taken to
24/289 safeguard Bank's interest

Modus Operandi of Frauds / attempted serious

HO/GOD/SKY/202 nature fraud perpetrated in our branch,
2023-24/62 31.08.2023
3-24/09 Precautions to be taken to Safeguard Bank's
interest

Initiation of promotion process for General

Ref.No.HO:HR:PR Banking & Specialist Officers From JMGS Ito
2023-24/61 04.09.2023
OM:115 MMGS II & MMGS II to MMGS III Eligibility Date
01.04.2024

Classification: Internal
 Promotion from Clerical Cadre to
HO:HR:PROM:RS
2023-24/60 24.08.2023 General Banking Officers' Cadre
S:113
Junior Management Grade Scale-I

Modus Operandi in various Perpetrated Frauds

HO/FRMD/DSR/
2023-24/59 09.08.2023 (Q2-FY2023-24) Precautions to be taken to
(Credit)/2023-24/
safeguard Bank's interest

Modus Operandi in various Perpetrated Frauds

HO/FRMD/DSR/
2023-24/58 09.08.2023 (Q2-FY2023-24) Precautions to be taken to
(Staff) /2023-24/
safeguard Bank's interest

Modus Operandi in various Perpetrated Frauds

HO/FRMD/DSR/
2023-24/57 09.08.2023 (Q2-FY2023-24) Precautions to be taken to
(Credit)/2023-24/
safeguard Bank's interest

Ref: Modus Operandi in various Perpetrated Frauds

2023-24/56 27.07.2023 HO/FRMD/DSR/ (Q2-FY2023-24) Precautions to be taken to
(Credit/2023-24/ safeguard Bank's interest

Modus Operandi in various Perpetrated Frauds

HO/FRMD/DSR/
2023-24/55 27.07.2023 (Q2-FY2023-24) Precautions to be taken to
(Credit)/2023-24/
safeguard Bank's interest

HO/FRMD/DSR/ Modus Operandi in various Perpetrated Frauds

2023-24/54 19.07.2023 (Retail)/2023- (Q2-FY2023-24) Precautions to be taken to
24/206 safeguard Bank's interest

HO/FRMD/DSR/ Modus Operandi in various Perpetrated Frauds

2023-24/53 18.07.2023 (Credit)/2023- (Q2-FY2023-24) Precautions to be taken to
24/205 safeguard Bank's interest

HO/FRMD/DSR/ Modus Operandi in various Perpetrated Frauds

2023-24/52 17.07.2023 (Credit)/2023- (Q2-FY2023-24) Precautions to be taken to
24/204 safeguard Bank's interest

HO/FRMD/DSR/ Modus Operandi in various Perpetrated Frauds

2023-24/51 17.07.2023 (Operational) (Q2-FY2023-24) Precautions to be taken to
/2023-244/203 safeguard Bank's interest

Modus Operandi in various Perpetrated Frauds

HO/FRMD/DSR/
2023-24/50 17.07.2023 (Q2-FY2023-24) Precautions to be taken to
(Retail)/2023-24
safeguard Bank's interest

Classification: Internal
 HO/FRMD/DSR/ Modus Operandi in various Perpetrated Frauds
2023-24/49 17.07.2023 (Credit)/2023- (Q2-FY2023-24) Precautions to be taken to
24/201 safeguard Bank's interest

HO/FRMD/DSR/ Modus Operandi in various Perpetrated Frauds

2023-24/48 17.07.2023 (Operational)/202 (Q1-FY2023-24) Precautions to be taken to
3-24/200 safeguard Bank's interes

HO/FRMD/DSR/ Modus Operandi in various Perpetrated Frauds

2023-24/47 17.07.2023 (Retail)/2023- (Q1-FY2023-24) Precautions to be taken to
24/199 safeguard Bank's interest

Modus Operandi in various Perpetrated Frauds

HO/FRMD/DSR/
2023-24/46 17.07.2023 (Q1-FY2023-24) Precautions to be taken to
(Credit/2023-24/
safeguard Bank's interest

Dearness Allowance payable to Officers and

Workmen Staff for the months of August,
2023-24/45 03.08.2023 HO:HR:IR:AP:11
September & October 2023 in terms of 8th Joint
Note / 11thBipartite Settlement dated 11.11.2020

ndex of Branch Circulars / Circular letters /Inter-

HO: SMS:
2023-24/44 02.08.2023 Office Memorandum issued during 01.07.2023 to
AKS:2023-24:67
31.07.2023.

Revision in Rate of Interest on: Date: 28.07.2023

i. Foreign Currency Non-Resident [FCNR (B)]
FBD: AKS: 23- Deposit w.e.f. 28.07.2023 ii. Resident Foreign
2023-24/43 18.07.2023
24:03 Currency (RFC) Term Deposit w.e.f. 28.07.2023
iii. Resident Foreign Currency (RFC) Savings
Bank Deposit w.e.f. 28.07.2023

Modus Operandi in various Perpetrated Frauds

HO/FRMD/DSR/
2023-24/42 18.07.2023 (Q1-FY2023-24) Precautions to be taken to
(Credit)/2023-24/
safeguard Bank's interest

2023-24/41 15.07.2023 BS:SK: Re : BOARD OF DIRECTORS OF THE BANK

Index of Branch Circulars / Administrative

HO: SMS:
2023-24/40 14/07/2023 Circulars / Circular letters issued
AKS:2023-24:53
during 01.06.2023 to 30.06.2023

Modus Operandi in various Perpetrated Frauds

(Q1-FY2023-24)
HO/FRMD/DSR/ Precautions to be taken to safeguard Bank's
2023-24/39 26/06/2023 (Retail Credit)/ interest
2023-24/164 (Vehicle loan fraud — Non adherence to due
diligence on borrower/ dealer,
submission of fake RCs)

Classification: Internal
 Modus Operandi in various Perpetrated Frauds
(Q1-FY2023-24)
HO/FRMD/DSR/ Precautions to be taken to safeguard Bank's
2023-24/38 26/06/2023 (Credit/2023-24/ interest
163 (Misutilisation and diversion of loan funds, Asset
not created out of loan fund)

Modus Operandi in various Perpetrated Frauds

(Q1-FY2023-24) Precautions to be taken to
HO/FRMD/DSR/ safeguard Bank's interest (Staff related fraud-
2023-24/37 26/06/2023 (Staff) /2023- fraudulent withdrawal from deceased pension
24/162 account, Cash Credit, KCC, OTS and Office
accounts)

Modus Operandi in various attempted Frauds

(Q1-FY2023-24)
HO/FRMD/DSR/ Precautions to be taken to safeguard Bank's
2023-24/36 26/06/2023 (Operational)/ interest
2023-24/ 161 (Attempt of fraud by presenting cloned cheques
in CTS clearing)

Modus Operandi in various Perpetrated Frauds

(Q1-FY2023-24)
Precautions to be taken to safeguard Bank's
HO/FRMD/DSR/ interest
2023-24/35 30/06/2023 (Retail Credit)/ (Vehicle loan fraud — Non adherence to due
2023-24/157 diligence on dealer/ borrower, Non
submission of RC and insurance policy,
Diversion of loan funds)

Modus Operandi in various Perpetrated Frauds

(Q1-FY2023-24) Precautions to be taken to
HO/FRMD/DSR/
safeguard Bank's interest (RTGS transfer on the
2023-24/34 30/06/2023 (Operational)/
basis of fake phone call, fake Mandate letter for
2023-24/156
debit, fake e-mail)

HO/FRMD/DSR/ Modus Operandi in various Perpetrated Frauds

2023-24/33 23/06/2023 (Operational)/202 (Q1-FY2023-24) Precautions to be taken to
3-24/148 safeguard Bank's interest

HO/FRMD/DSR/ Modus Operandi in various Perpetrated Frauds

2023-24/32 23/06/2023 (Staff)/2023- (Q1-FY2023-24) Precautions to be taken to
241/147 safeguard Bank's interest

HO/FRMD/DSR/ Modus Operandi in various Perpetrated Frauds

2023-24/31 23/06/2023 (Credit/2023- (Q1-FY2023-24) Precautions to be taken to
24/146 safequard Bank's interest

Classification: Internal
 HO/FRMD/DSR/ Modus Operandi in various Perpetrated Frauds
2023-24/30 23/06/2023 (Operational) (Q1-FY2023-24) Precautions to be taken to
/2023-24/145 safeguard Bank's interest

Annual Review of
HO:FBD:SMB:23- (a) Panel of approved Courier companies
2023-24/29 09/06/2023
24:02 for International documents
(b) Recovery of courier charges from Customers

Index of Branch Circulars / Administrative

HO: SMS:AKS:
2023-24/28 22/06/2023 Circulars / Circular letters issued
2023-24:33
during 01.05.2023 to 31.05.2023.

HO/FRMD/DSR/ Modus Operandi in various Perpetrated Frauds

2023-24/27 08/06/2023 (Credit)/2023- (Q1-FY2023-24) Precautions to be taken to
241/107 safeguard Bank's interest

STRICTLY CONFIDENTIAL
Foreign Contribution (Regulation) Act, 2010
HO: FBD:HD:23-
2023-24/26 07/06/2023 - Receipt of Foreign Contribution by
24:01
Individuals/NG0s/
Organizations from foreign donors

HO/FRMD/DSR/ Modus Operandi in various Perpetrated Frauds

2023-24/25 08/06/2023 (Staff) /2023- (Q1-FY2023-24) Precautions to be taken to
24/109 safeguard Bank's interest

Ref: HO/FRMD/ Modus Operandi in various Perpetrated Frauds

2023-24/24 08/06/2023 DSR/(Operational) (Q1-FY2023-24) Precautions to be taken to
/2023-24/110 safeguard Bank's interest

HO/FRMD/DSR/ Modus Operandi in various Perpetrated Frauds

2023-24/23 08/06/2023 (Operational) (Q1-FY2023-24) Precautions to be taken to
/2023-24/108 safeguard Bank's interest

LODGEMENT OF COMPLAINT WITH

HO/FRMD/SAM/20
2023-24/22 01/06/2023 CBI: FILING FRAUD CASES AND SUBMISSION
23-24/100
OF RELATED DOCUMENT

HO/FRMD/DSR/ Modus Operandi in various Perpetrated Frauds

2023-24/21 15/05/2023 (Operational)/202 (Q1-FY2023-24) Precautions to be taken to
3-24/61 safeguard Bank's interest

Rs.2000 Denomination Banknotes — Withdrawal

GOD/ SRM/ 2023-
2023-24/20 23/05/2023 from Circulation; Will continue as Legal Tender -
24/07
STRICT COMPLIANCE

Classification: Internal
 Index of Branch Circulars / Administrative
HO: SMS: AKS:
2023-24/19 24/05/2023 Circulars / Circular letters issued during
2023-24:17
01.04.2023 to 30.04.2023

HO/FRMD/DSR/ KCC frauds- by submitting fabricated KYC

2023-24/18 11/05/2023
(Credit)/2023-55 documents

HO/FRMD/MDJ/20 Sub: Cyber Fraud Reporting on I4C Portal

2023-24/17 04/05/2023
23-24/60 - Role and responsibility of branches.

HO/FRMD/DSR/ Gold Loan Fraud — Pledge of spurious/ fake gold

2023-24/16 10/05/2023 (Credit)/ 2023- by borrower in collusion with Gold
24/54 Assayer/ Valuer

HO/FRMD/DSR/ Vehicle loan fraud — Non adherence to due

2023-24/15 10/05/2023 (Retail Credit)/ diligence on borrower, submission of
2023/53 fake invoice and insurance policy

Gold Loan Fraud — Pledge of spurious/ fake gold

HO/FRMD/DSR/
2023-24/14 03/05/2023 by borrower in collusion with Gold Assayer/
(Credit)/ 2023/47
Valuer

HO/FRMD/DSR/ Vehicle loan fraud — Non adherence to Due

2023-24/13 04/05/2023 (Retail Credit)/ diligence on dealer / post disbursement
2023-24/49 inspection, Diversion of loan funds

HO/FRMD/DSR/
Cheque related fraud- presenting fake/ forged/
2023-24/12 03/05/2023 (Operational)/
cloned Cheque in CTS clearing
2023-24/48

Dearness allowance payable to officers and

Workmen staff for the months of May June and
2023-24/11 04/05/2023 HO/HR/IR/AP/28
July 2023 in terms of 8th joint note /11th Bipartite
Settlement Date 11/11/2020
Reimbursement of remuneration of Personal
Drivers
2023-24/10 28/04/2023 HO:HR:IR:MM:03 engaged by Top Executives, who are provided
with Bank's car —Modalities of Health Insurance
Premium

HO/FRMD/DSR/ Home Loan fraud by availing higher amount of

2023-24/09 21/04/2023 (Retail)/2023- loan by applying with inflated value of property
24/36 and hiding existing EMI for wrongful gain

Classification: Internal
 HO/FRMD/DSR/ Loan against Property — Disputed property,
2023-24/08 20/04/2023 (Retail)/2023- Borrowers availed loan inflating value of property
24/34 in collusion with Valuer

Revision in Rate of Interest on:

i. Foreign Currency Non-Resident [FCNR (B)]
Deposit w.e.f. 01.05.2023
HO: FBD: AKS:
2023-24/07 29/04/2023 ii. Resident Foreign Currency (RFC) Term Deposit
23-24/06
w.e.f. 01.05.2023
iii. Resident Foreign Currency (RFC) Savings
Bank Deposit w.e.f. 01.05.2023

2023-24/06 29/04/2023 BS/SK/000056 Board of Directors of the Bank

HO/FRMD/DSR/
KCC frauds- by impersonation and fake thumb
2023-24/05 21/04/2023 (Credit)/2023-
impression
24/37

Misutilisation and diversion of loan funds,

HO/FRMD/DSR/ investment in other company and opening of
2023-24/04 18/04/2023
(Credit/2023-24/27 current account with another bank without
permission

HO/FRMD/DSR/ Gold Loan Fraud — Pledge of spurious/ fake gold

2023-24/03 18/04/2023 (Credit)/2023- by borrower in collusion with Gold
24/23 Assayer/ Valuer

HO/FRMD/DSR/
Cheque related fraud- presenting fake/ forged/
2023-24/02 18/04/2023 (Operational)/
cloned Cheque in CTS clearing
2023-24/24

HO: SMS: Index of Branch Circulars / Administrative Circulars /

2023-24/01 24/04/2023
KS:2023-24/5 Circular letters issued during 01.03.2023 to 31.03.2023.

Classification: Internal