• The treasury office should thoroughly check the classification before passing the concerned bills.
  • The DDO should clearly mention category of the loan and loanee employee ID on the bill.


  • The proposals for Clearance Certificate should not be delayed beyond the retirement date.
  • The sanctioning authority should not wait till the completion of the loan for which   formalities not completed.  The entire amount should be recovered in lump sum in such cases.
  • Don’t book misclassification items.
  • Don’t delay the recovery beyond the moratorium period.