• The Treasury Office should thoroughly check the classification before passing the bills.
  • The DDO should clearly mention category of the loan and loanee employee ID on the bill.
  • The individuals should send the confirmation of outstanding balances.
  • Reconciliation of loans A/cs to be done by DDO’s periodically and a certificate to that effect is to be furnished to this office.
  • The sanctioning authority should send the certificate of fulfillment of formalities to this office at the time of releasing the second installment of HBA.  For all other loans along with the First recovery.
  • The DDO should furnish the Loan recovery particulars along with service Major Head /Voucher No./Challan No. etc. after completion of the recovery.


  • 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 on mis-classification accounts.
  • Don’t delay the recovery beyond the moratorium period.