1. Misclassification of Loan Recoveries by DDO’s & DTO’s.
  2. Non – confirmation of communication of outstanding balances by individuals as well as DDO’s.
  3. Excess /Short recovery of interest by the DDO’s.
  4. Poor watching of mortgage of property, insurance & delayed recovery of loan (beyond Moratorium) Which attracts penal interest.
  5. The terms and conditions of Institution Loans like Period of loan, moratorium period if any, number of installments and amount of each installment, date of commencement of repayment, rate of interest/penal interest , utilization certificate/Non-drawal certificate & advance stamp certificate and special conditions if any.
  6. Confirmation of balances of institution loans.