prpri Empanelment of CA Firms for Concurrent Audit of SBI Empanelment of CA Firms for Concurrent Audit of SBI

STATE BANK OF INDIA
INTERNAL AUDIT DEPARTMENT, HYDERABAD

1. SELECTION AS CONCURRENT AUDITORS:

Applications are invited from eligible Chartered Accountant Firms for empanelment as Concurrent Auditors in the Bank branches / outfits.

2. ELIGIBILITY CRITERIA: Those firms which satisfy the following are eligible to apply:

a) Grade 1, 2 and 3 firms as per RBI Grade as on the date of application. CA Firms with RBI grading IV are not eligible to apply.

b) CA Firms having at least one year of experience of Concurrent Audit in any Commercial Bank. Firms with below 1 year experience will not be eligible to apply.

c) CA Firms which have sufficient number of trained representatives of firm articled Clerk trained by ICAI on Concurrent Audit, Retired Officers of commercial Banks, qualified Chartered Accountants as Partner or Associate or as Staff, who will be available on all working days to attend to the Concurrent Audit.

d) CA Firms chosen for engagement as Concurrent Auditors should be other than the ones selected for empanelment as Statutory Auditors for SBI to eliminate any room for conflict of interest.

e) CA Firms who are already engaged as Concurrent Auditors in SBI are not eligible to apply.

3. SUBMISSION OF APPLICATION:

The duly filled in application form in a sealed cover superscribed as “Application for Empanelment of Chartered Accountant Firms for Concurrent Audit” should reach the respective Circle Audit Office on or before 29.05.2021 by 5.00 P.M.

i The application and all correspondence and documents relating to this process must be written in English. The applicant must provide individual and factual replies to specific questions asked in the application. Documents submitted should be complete in all respects as required.

ii Application as per Annexure-A needs to be submitted duly filled in with required particulars accompanied by copies of supporting documents i.e. Constitution of the Firm (Company ! Partnership! Proprietorship firm), RBI Grading certificate, Experience certificate etc. All supporting documents to Application must be self-attested by the authorized signatory for the applicant firm.

iii Incomplete application and application without required supportive documents will not be considered by the Bank.

4. LAST DATE FOR SUBMISSION OF APPLICATION.

i.The last date for receipt of application is 29.05.2021. Please note that no application shall be accepted after 5.00 p.m. of the above date. Application submitted after due date or after the stipulated time of the due date or incomplete in any respect are liable to be rejected. The dully filled application along with the supporting documents should be submitted to the concerned General Manager (IA), Circle Audit Office (CAO) as per the Geographical location as per Annexure-C...

ii.SBI is not responsible for non-receipt of completed application within the specified date and time due to any reason including postal delays or otherwise.

5. MODIFICATIONS AND / OR WITHDRAWAL OF APPLICATION

Application once submitted will be treated as final and no further correspondence will be entertained. As no subsequent modification of application!documents are permissible, the firms are advised to exercise utmost care in preparation and submission of application ! documents.

6. OFFERS BY A THIRD-PARTY

The applicants are not permitted to authorize their Agents!brokers etc. (including individuals and!or third-party firms!companies) to either collect or submit the application! documents on their behalf. The Bank will summarily reject such requests and arrangements. No sub-contracting of the engagement is permissible.

7. SELECTION PROCESS:

i) Applications received, complete in all respect and within the prescribed time, will be scrutinized on the basis of the basic eligibility criteria as given above at Para 2 by a Selection Committee formed for the said purpose. Applications not accompanied by all the required details and supporting documents would be liable for rejection.

(ii) The Bank reserves the right to disqualify any or all applications either on the basis of their responses without assigning any reasons, whatsoever. Those applicants who satisfy the requirements and specifications as determined by the Bank as per the terms and conditions of this document shall be short-listed.

(iii) Those applicants who fulfill all the basic eligibility criteria will be evaluated based on location of firm, residential status of partners, experience, reputation, availability of sufficient trained personnel (ICAI Trained article clerks! retired commercial bank officers) with the firm and such other factors as the Bank may deem fit for its requirements.

(iv) The prima facie scrutiny of the applications will be done by a Screening Committee.

(v) The final selection of the CA firms will be approved by a Selection Committee at IAD.

vi) Bank also reserves the right to make query with the firm or any other agency, ask for additional information, particulars, and submission of one, some or more undertakings from any firm at any point of time. None of such act shall be deemed as an offer of engagement as Concurrent Auditor by the Bank to the firm unless and until Bank intimates in writing to the firm regarding allocation of any branch ! unit for concurrent audit.

8. SCOPE OF AUDIT:

The broad areas to be covered in the Concurrent Audit are as indicated in Annexure-B and shall be revised from time to time based on the requirements of the Bank. Concurrent audit will be online as well as any other method ! process to be adopted by the Bank.

9. TERMS & CONDITIONS:

Details of Terms and Conditions in respect of empanelment are as per Annexure-D.

10. VALIDITY OF OFFER

The successful applicants have to execute the Contract within 10 days of issuance of letter of selection by the Bank. The tenure of CA firms engaged as Concurrent Auditors shall not be more than 3 years on continuous basis, subject to satisfactory performance as reviewed periodically. Period of contract during the currency of the contract can be varied by the Bank based on its requirement.

11. DELIVERY, REPORTING AND REVIEWING SYSTEM

The Concurrent Audits should be conducted in the branches ! outfits as per the agreed time frame as per WBCAS ! Bank’s Concurrent Audit Manual, a copy ! soft copy of which will be made available to selected firms after allotment of a branch ! outfit.

The Concurrent Auditor has to prepare Audit reports as per specified standards!formats as given in the said manual and as will be required by the Bank from time to time.

12. REMUNERATION:

Remuneration payable will be based on the business portfolio of the branch, category of the auditee unit (branch/CPC), specialized nature of work etc., as under:

Remuneration Payable

Business Level of Branches as on 31st March of previous Financial Year Remuneration (Rs. per month)
Deposit Rs 300 Crs & above and Advance < Rs 400 Crs 30000
Advances Rs 400 Crs & above 40,000 – 55,000
CCG Branches 45,000 – 65,000
LCPC / TFCPC / CPPC 30,000 – 35,000
RACPC / SMECC / RASMECCC 45,000 – 55,000

Additionally – Concurrent Auditors may be given Rs.500/- p.m. per CIF with fund-based and non-fund-based exposure of Rs.1 0 Crs. and above, with additional accountability for detailed scrutiny of these a/cs

13. PAYMENT TERMS:

i) The payment for the audit work done will be made on submission of invoices with required particulars on completion of each calendar month. No payment is to be made unless all the monthly / periodical concurrent audit reports are submitted by the firm. Payment will also be subject to recovery if any penalties, damages etc. from the firm.

ii) TDS as applicable will be recovered from the bill amount while making payments and Form-16 will be issued as per law. In case of omission of any TDS by Bank, the same must be brought to the notice of the Bank and the firm has to return the amount to Bank towards TDS.

14. SECRECY ISSUES:

i) The empaneled firm and its employees will strictly undertake not to record by any means or to communicate or allow to be recorded by any means or communication to any person or divulge in any way any information relating to the conversations, events, ideas, concepts, know-how, techniques, data, facts, figures and all information, howsoever concerning or relating to the Bank and its affairs to which the audit firm /their employees etc. have access in the course of performance of the contract. The successful applicants will on award of contract will execute a non-disclosure agreement and declaration of fidelity and secrecy as per the Bank’s standard format. All personnel of the Concurrent Auditor, before commencing the Audit have to execute a declaration of fidelity and secrecy as per the format prescribed by the Bank and submit valid KYC documents at allotted branch / BPR outfit / Unit.

ii) No data in any name can be transferred or converted to any other media by the representative of firms under any circumstances. No public platform or social media or any media whatsoever name it may be known can be used for any matter and issues relating to concurrent audit and relation, rights, responsibilities and obligations of the firm or Bank.

iii) All the information contained in this document is solely for the purpose indicated in this Reproduction of all or any part of this process by any person for any purpose other than for the purpose of responding to this or for any other purpose expressly permitted by this shall be treated as unauthorized and illegal and the Bank reserve the right to take appropriate action in such circumstances.

15. INDEMNITY TO THE BANK:

i) The empaneled firm shall indemnify SBI and keep indemnified against any loss or damage that State Bank of India may sustain on account of any unprofessional act causing downtime of mission critical systems, disruption to business operations, data loss, third-party claims on account of violation of patents, trademark, designs and other intellectual property rights, etc.

ii) Bank’s data, strategies, etc. should not be revealed or shared with any third parties including any other bank. The firm and its partners will remain liable to the Bank for any act of omission and commission during the period the period of concurrent audit which may come to light at any subsequent time by any agency including the Bank.

16. TERMINATION OF CONTRACT

i) The performance of the selected empaneled firms will be continuously reviewed by the Bank in terms of various requirement specified in Annexure-B of this document, appointment letter, SLA, Concurrent Audit Manual/processes and RBI directives/notifications on concurrent and various communications by the Bank to the . Based on the review, if the selected firm fails to satisfy / maintain their commitment with respect to timely conduct of the audit, quality and content of the audit reports, the contract may be terminated by Bank by giving one month’s written notice to the firm. Regarding quality and content of the audit reports, banks decision is final and binding on the firm.

ii) Bank may terminate the contract by giving one months’ notice in case of deletion of any branch from coverage of concurrent audit when relocation of the firm to another branch is not feasible.

iii) Firm has to give one months’ prior written notice to bank to accept any assignment requiring relinquishing the present assignment.

iv) In case of any suppression of fact which the firm is required to disclose or intimate to the Bank within stipulated time during the period of contract, it will be treated as unethical act and the Bank can terminate the contract without giving any advance notice and the firm will be reported to RBI and ICAI for blacklisting. In addition, Bank will be entitled to indemnity and recovery of damages from the outgoing firm.

v) In additions to this, other circumstances leading to termination of contract, periodicity of notice, compensations have been incorporated in the Service Level Agreement (SLA) to be executed by the firms before taking up the concurrent audit at allotted branches.

In all other circumstances, contract may be terminated by either party giving one months’ notice or payment of full amount of remuneration including service tax to the other party. Under no circumstance the one month periodicity for termination can be reduced.

vi) SBI’s decision in this regard will be final. In case of termination of this contract, the SBI shall have the right to avail services of any other Audit firm to continue the process without any let or hindrance from de-paneled firm, whose services are to be terminated and outgoing firm also has to provide all necessary help, at their own cost, for smooth switch over.

vii) Any work done till such time, working papers and should be handed over to the Bank, without any demur. The work should not be disclosed to any other organization/bank.

17. DEPLOYMENT:

The allotment of branches to the selected firms will be based on the suitability of the firm vis-a-vis the size, volume of business and criticality of the operations of the branches/ outfits to be decided by Circle Audit Office (CAO). The list of tentative Centres where the Concurrent Auditors are proposed to be engaged is provided under Concurrent Auditor Appointment Notification.

18. DISCLAIMER:

There is no commitment or obligations, whatsoever on the part of the issuer of this process, or officials associated with it within the Bank, regarding the implementation for any future plans. Any assumptions made by bidders, on the basis of information shared herein, will be at their own risk and responsibility.

19. ADDRESS FOR COMMUNICATION:

The Address for Communication to concerned Circle Audit Office (CAO) is as per the list enclosed as Annexure – C

Last date for submission of application is 5.00 pm on 29.05.2021.

ANNEXURE – A

APPLICATION FOR EMPANELMENT OF CHARTERED ACCOUNTANT FIRMS AS CONCURRENT AUDITORS

1 Name of the Firm
2 Constitution
3 Address with PIN Code
4 Contact Nos. Mobile + Landline + Email Mobile:

Landline: e-Mail:

5 Date of Establishment
6 PAN No. of the firm (Copy to be attached)
7 Registration No. with ICAI (copy to be attached)
8 Unique Code No.RBI (copy to be attached)
9 Firm’s RBI Category (copy to be attached)
10 Service Tax Regd. No. of the firm
11 No. of Partners & Chartered Accountants
12 Branches of C.A. firm, if any
13 Experience of Concurrent Audit with SBI (Please give details with supporting
documents)
No. of Brs. No. of years
14 Experience of Concurrent Audit with PSBs (Please give details with supporting documents) No. of Banks No. of years
15 Additional Qualifications (i.e. CISA/DISA/Con. Audit Course from ICAI) (Please give details with supporting documents)
16 Experience in specialized areas like Treasury/FOREX/CPCs & Big Corporate Branches (Please give details with supporting documents)
17 Whether Statutory Auditor for SBI
18 Preferred Centre
19 Any other relevant data

I/We confirm that the information furnished above is true and correct and we have not been de-paneled / Blacklisted by any organization in the past and we fulfill all the conditions of eligibility for empanelment with SBI as a Concurrent Auditor.

I/We have read the terms and conditions stipulated for empanelment as Concurrent Auditors of the Bank and I/We also understand that the Bank has reserved its right to accept or reject the application without assigning any reasons. If selected for empanelment as Concurrent Auditor of the Bank and the offer is accepted, I/We will execute Service Level Agreement with the Bank.

Place:

Date:

Signature of the applicant with seal

Annexure – B

Scope of Audit

A. Cash transactions –Verify

i) Surprise physical verification of cash at branch and ATM along with safekeeping and custody.

ii) Daily cash transactions, particularly any abnormal receipts & payments.

iii) Surprise verification of cash by an officer other than the joint custodian.

iv) Proper accounting of and availability of insurance cover for inward and outward cash remittances.

v) Accounting of currency chest transactions and delays/omission in reporting to

Reporting of Counterfeit Currency.

vi) All cash transactions of Rs. 10 lakh and above reported in CTR.

vii) That all cash transaction of Rs. 50,000 and above invariably indicate Pan No./Form 60

B. Clearing transactions –Verify

i) Reconciliation with bank’s account at Clearing House and review of old outstanding entries for reconciliation.

ii) Drawings allowed against uncleared instruments – sanction by the controlling

C. Remittances/Bills for Collection –Verify

i) Remittance of funds by way of DDs/TTs/MTs/TC/NEFT/RTGS any other mode in cash exceeding the prescribed limit.

ii) Documents of title (lorry receipts, railway receipts, etc.) obtained in favour of the bank and the concerned transporters are on the IBA approved list.

iii) Outstanding balance in DP and other transit accounts pending payment beyond prescribed period.

D. Deposits –Verify

i) Adherence to KYC/AML guidelines in opening of fresh accounts and monitoring of transactions in such accounts.

ii) Large term deposits received and repaid including checking of repayment of term deposit in cash beyond permissible limit.

iii) Accounts opened and closed within a short span of time i.e., accounts with quick mortality.

iv) Activation and operations in inoperative accounts.

v) Value dated transactions.

vi) Settlement of claims of deceased customers and payment of TDRs against lost receipts and obtention of indemnities, etc. To check revival of dormant accounts and accounts with minimum activities.

vii) Examination of multiple credits to single accounts.

E. Treasury operations –Verify

I) If branch has acted within HO instructions for purchase and sale of securities.

ii) Periodic confirmation of Derivative contracts with counterparties.

iii) Adherence to regulatory guidelines with respect to Treasury deals/structured

iv) Controls around deal modification/cancellation/deletion, wherever applicable.

v) Cancellation of forward contracts and passing/recovery of exchange gain/loss.

vi) Gaps and OPL maintained in different currencies vis-à-vis prescribed limit for the

vii) Reconciliation of Nostro and Vostro accounts-balances in Nostro accounts in different foreign currencies are within the limits prescribed by the bank.

viii) Collection of underlying documents for Derivative & Forward contracts. Delays, if any.

ix) Instances of booking and cancellation of forward contracts with the same counterparty within a span of couple of days or a few days.

x) Sample check some of the deals and comment on the correctness of computation.

xi) Checking of application money, reconciliation of SGL account, compliance to RBI

xii) Checking of custody of unused BR Forms & their utilization in terms of Master Circular on Prudential Norms on Classification, Valuation and Operations of Investment Portfolio by banks.

xiii) To ensure that the treasury operations of the bank have been conducted in accordance with the instructions issued by the RBI from time to time.

F. Loans & Advances-Verify

i) Report Bills/cheques purchased, if in the nature of accommodation bills.

ii) Proper follow-up of overdue bills purchased/discounted/negotiated.

iii) Fresh loans and advances (including staff advances) have been sanctioned properly and in accordance with delegated authority.

iv) Reporting of instances of exceeding delegated powers to controlling/head office by the branch and have been confirmed or ratified by the competent authority.

v) Securities and documents have been received as applicable to particular loan.

vi) Securities have been properly charged/ registered and valued by competent Whether the same has been entered in the bank’s system.

vii) All conditions of sanction have been complied with.

viii) Master data relating to limit, rate of interest, EMI, moratorium period details have been correctly entered and updated/modified in the system.

ix) Value dated entries passed in advances accounts.

x) Post disbursement supervision and follow-up is proper, such as timely receipt of stock and book debt statements, QIS data, analysis of financial data submitted by borrower, verification of securities by third parties, renewal of limits, insurance, etc.

xi) Whether there is any misutilization of the loans and whether there are instances indicative of diversion of funds.

xii) Compliance of prudential norms on income recognition, asset classification and provisioning pertaining to advances.

xiii) Whether monthly updating of drawing power in the computer system on the basis of stock statements/book debt statement/ other financial data received from the borrowers.

xiv) Recovery in compromise cases is in accordance with the terms and conditions of the compromise agreement.

xv) To check review and renewal of loans.

G. LC/BG –Verify

i) LC/BG issued/amended as per the approved format/model guarantee prescribed and standard limitation clause incorporated. Whether counter indemnity obtained as

ii) Any deviation from the terms of sanction in regard to margin, security, purpose, period, beneficiary, collection of charges, commission/fee, etc.

iii) Whether payment is made to the debit of party’s account on due date without creating overdraft/debiting suspense, in case of deferred payment guarantee.

H. Foreign Exchange Transactions-Verify

i) Recovery of charges as per HO Guidelines.

ii) Packing credit released, whether backed by LC or confirmed export order.

iii) Availability of ECGC cover and compliance with ECGC terms.

iv) Submission of statutory returns on export/ import transactions, like BEF statements, XOS, write off of export bills, etc. Follow up of outstanding export bills and exchange control copy of bill of entry.

v) Irregularities in opening of new accounts and operation in NRO, FCNR, NRE, EEFC, etc., and debits/credits entries permissible under the rules.

vi) Whether operations in FCRA accounts are as permitted by MHA and FCRA

vii) Booking, utilization, extension and cancellation of forward contracts.

I. House Keeping –Verify

i) Exceptional transaction reports are generated and verified by branch staff as

ii) Review of all balance sheet heads and outstanding entries in accounts, e.g., suspense, sundry and inter-bank accounts. Review of follow up of entries pending for reversal.

iii) Scrutiny of daily vouchers with more emphasis on high value transaction including high value expenses and debit entries in Suspense account.

iv) Debits in accounts where signatures are pending for scanning.

v) Whether records related to KYC/vouchers and other critical areas are sent to specific places like archival center, record room as per stipulated periodicity.

vi) Adherence to KYC/AML guidelines in opening fresh account and subsequent modifications of records and monitoring of transaction.

J. Verification of Merchant Banking Business-Verify

i) Whether the instructions given by the controlling branch are properly followed where the branch acts as a collecting branch for issue business.

ii) Whether daily collection position is advised to the controlling branch.

iii) Whether recovery of the commission/fees and out of pocket expenses as agreed with the respective companies and whether the competent authority has duly authorized any waiver or reduction of such charges.

iv) Whether the prescribed preventive vigilance measures are observed by the branch.

v) Where data entry or data processing work is entrusted to outside agencies, the competent authority duly approves these and the prescribed stamped indemnity has been obtained from such agencies.

vi) Whether dividend interest warrants/refund payment accounts of companies are funded prior to dispatch of the relative warrants by the companies and there is no misuse of the facility.

vii) Whether Claims for reimbursement of amounts of paid warrants received from paying branches are processed and debited to the concerned company’s account promptly.

viii) Whether charge on security has been created, wherever debenture trustee activity is undertaken by bank.

K. Verification of Credit Card/Debit card –Verify

i) Application for the issue of credit card has been properly examined and record of issue of the same has been maintained.

ii) Whether overdraft/debits arising out of the use of credit cards are promptly recovered and informed to higher authorities.

iii) Whether undelivered credit cards are properly kept as security items and followed up with credit card department for further instructions.

(iv) Physical verification of ATM cards, debit cards, credit cards, passwords and PINS, control over issue & delivery, safe keeping and custody at all the locations. Report loss of any such items.

L. SWIFT Transactions – Verify

i) Inward & Outward messages to be verified from CSIG / daily reports

ii) Whether the amounts of financial messages / transactions are debited/ credited in the respective customer accounts / contra accounts.

M. Transaction Verification

i) Verify the genuineness and authenticity of the vouchers uploaded

ii) Verify whether transactions are correctly reflected in the respective customer accounts in CBS.

N. Others –Verify

i) Compliance of provisions relating to Tax Deducted at Source, service tax, trade tax, other duties and taxes.

ii) Physical verification of inventory, control over issue of inventory, safe keeping and custody of security forms. Report any loss of such items.

iii) Physical verification of other deliverable items, control over issue, safe keeping and custody.

iv) Physical verification of Gold coins, control over issue, safe keeping and custody. Checking of Gold sale transactions.

v) Custody and movement of branch keys.

vi) Locker keys and locker operations-linking of FDR as security for locker/operation of locker/inoperative lockers/ nomination/other issues.

vii) Safe custody of branch documents like death claim cases, issuance of duplicate DD/PO/FDR, checking of indemnities, etc. and verification of documents executed during the period under audit.

viii) Reporting of frauds

(ix) Certification of documents / claims / Pre-disbursement check, compliance certificate etc

O. Miscellaneous:

i) Any other need based work related to audit which may be entrusted by the bank from time to time.

Annexure – C

Address and Contact Details of Circle Audit Offices (CAO)

S. N
FULL ADDRESS FOR CORRESPONDANCE
STATE
Contact Details
Mobile No.
Email id
1
The General Manager, State Bank of India Circle Audit Office, Administrative Office Building, 6th Floor, Sec-10B, GANDHINAGAR- 382010
Gujarat
Sri Raj Kumar Tiwari
8800102266
Wbcas.caognr@s bi.co.in gm.ziognr@sbi.co. in
2
The General Manager, State Bank of India Circle Audit Office, Door No. 48-13-3-1/B VIJAYAWADA. First Floor, CNR Complex, Near Ayush Hospital Sri Ramachandranagar, VIJAYAWADA – 520008
Andhra Pradesh
Sri K Srinivasa Rao
8886775201
agmwebcas.ziovij @sbi.co.in gm.ziovij@sbi.co. i n
3
The General Manager, State Bank of India Circle Audit Office, 7th Floor, State Bank Building, Mysore Bank Circle, K G Road, BENGALURU – 560009
Karnataka
Sri R. Nagesh
9448995569
agmwbcas.caoban @sbi.co.in gm.caoban@sbi.c o.indgm .caoban@sbi. co.in
4
The General Manager, State Bank of India Circle Audit Office, SBI Complex, Opposite Central School No.-1, Arera Mills, BHOPAL – 462011
Madhya Pradesh & Chhatisgarh
Sri Pankaj Goel
7389915551 9993538494
agmwbcas.ziobho @sbi.co.in gm.ziobho@sbi.co .in
5
The General Manager, State Bank of India Circle Audit Office, Creative Plaza (Ist Floor) , RASULGARH CHOWK, N.H.5,
BHUBANESWAR-751010
Orissa
Sri Shantanu Kumar
8118050433
agmwbcas.caobhu @sbi.co.in gm.ziobhu@sbi.co .in
6
The General Manager, State Bank of India Circle Audit Office, SBLC Building, II nd Floor, Sec- 14, Panchkula, CHANDIGARH- 134113
Punjab, Haryana, Chandigarh, Jammu & Kashmir, Himachal Pradesh
Sri Kuldeepak Katyal
8837876827
webcas.ziochd@s bi.co.in gm.ziochd@sbi.co .in
7
The General Manager, State Bank of India Circle Audit Office, 157, 8th. Floor, State Bank Building, Anna Salai, CHENNAI- 600002
Tamil Nadu
Sri N. Lalith Kumar
7337262462
agmcas.zioche@s bi.co.in gm.zioche@sbi.co .in
8
The General Manager, State Bank of India Circle Audit Office, 3rd Floor, LCPC Building, B-1 6, Sector-62, NOIDA – 201 307 (UP)
1. Delhi
2. Uttarakhand
3. Gurugram, Sonepat and Faridabad
Districts of Haryana.
4. Agra, Aligarh, Bhagpat, Bulandshahar, Etah, Fi rozabad, GautamBudh Nagar, Ghaziabad, Hathras, Kanshi Ram Nagar, Mainpuri, Mathura, Meerut, Muzaffarnagar, Panchsheel Nagar (Hapur), Prabuddha Nagar (Shamli) & Saharanpur Districts of Uttar Pradesh.
Shri Joginder Singh Wadhwa
9729875534
cmwbcas.ziondl@ sbi.co.in gm.ziondl@sbi.co. in
9
The General Manager, State Bank of India Circle Audit Office HYDERABAD 2nd Floor, CMP Building, Survey No. 26, Opp. Hyderabad Central University, Lingampally P.O. HYDERABAD- 500019
Telangana
Shri C. Sahasranama m
9000333811
agmwbcas.ziohyd @sbi.co.in gm.ziohyd@sbi.co .in
10
The General Manager, State Bank of India Circle Audit Office JAIPUR CENTRAL SPINE, SECTOR-7 VIDYADHAR NAGAR, JAIPUR-302023
Rajasthan
Shri Yogendra Kumar Sharma
82838360088
agmwbcas.ziojai@ sbi.co.in
gm.ziojai@sbi.co.i n
11
The General Manager, State Bank of India Circle Audit Office, Kankaria Centre (Ist Floor), 2/1 Russel Street, KOLKATA- 700071.
West Bengal
Sri Sbrata Mitra
9674713024
agmwbcas.ziokol @sbi.co.in gm.ziokol@sbi.co. i n
12
The General Manager, State Bank of India Circle Audit Office C.P.-42, SAI Tower, Sector-E, Janakipuram, LUCKNOW (U.P.) – 226 021
Uttar Pradesh (Excluding areas mentioned under Delhi)
Shri Pratyush Mehrotra
7234009002
agmwebcas.zioluc @sbi.co.in gm.zioluc@sbi.co.i n
13
The General Manager, State Bank of India Circle Audit Office 3rd Floor, Tara chambers, Old Mumbai- Pune Road, Wakadewadi, PUNE -411003
Maharashtra & Goa
Shri Sunil Kulkarni
7387898200
agmwbcas.ziopun e@sbi.co.in gm.ziopune@sbi .c o.in dgm.caopune@sbi .co.in
14
The General Manager, State Bank of India Circle Audit Office, 2ND Floor, Bakshish Plaza, Lokh ra Road, Kalapahar, GUWAHATI- 781018 ASSAM
Assam Meghalaya Manipur Arunachal Pradesh Nagaland Mizoram Tripura
Shri Nicholas K
9402506982
agmwbcas.caogu w@sbi.co.in gm.zioguw@sbi.c o.in
15
The General Manager, State Bank of India Circle Audit Office Sone Bhawan, 5th Floor Bir Chand Patel Marg R-Block, PATNA – 800001
Bihar Jharkhand
Shri Tanmay Pawan Malachi.
9155596199
agmwbcas.ziopat @sbi.co.in
gm.ziopat@sbi.co. in
16
The General Manager, State Bank of India Circle Audit Office 3rd Floor, SBI Building,
SS Kovil Road, Thampanoor, THIRUVANANTHAPUR AM – 695 001 KERALA
Kerala
Mr. V. Ajit Kumar
9895172544
agmwbcas.caotri @sbi.co.in
gm.ziotri@sbi.co.i n

ANNEXURE-D

STATE BANK OF INDIA

INTERNAL AUDIT DEPARTMENT, HYDERABAD

TERMS & CONDITIONS FOR EMPANELMENT OF CHARTERED ACCOUNTANT

FIRMS AS CONCURRENT AUDITORS

1) Preference will be given to those firms which have ICAI trained Concurrent Auditors and those firms which have concurrent audit experience in State Bank of India (SBI).

2) Concurrent Auditors shall normally be positioned at the location where the selected Branches / BPR Outfits operate.

3) Concurrent audit to be done on daily basis. Trained representative of the firm (Articled Clerk trained by ICAI on concurrent audit) / retired commercial banks officers /qualified Chartered Accountants to be available on all days.

4) One of the Principal Partners or senior partner to visit the branch at least 2/3 times a week, minimum 8 times every month, depending on the business and risk profile of the branch/BPR Outfits. Number of visits may be increased depending upon the volume and need at the branch / outfit under concurrent audit.

5) Bank will impose financial penalty for unauthorized absence, non-detection of income leakage, major lacunae in conduct of account including reporting to RBI/ ICAI (as per An nexu re-E).

6) Bank may impose non-financial penalty leading to termination of contract for instances of failure to comment on fraud, misappropriation of funds, any other serious irregularities which result in loss to the Bank.

7) If there is any change in the constitution of your firm or you suffer from any statutory disqualification, you must inform the Bank immediately.

8) CA firms to furnish personal details / comply with KYC norms, viz., proof of identity and address proof / contact numbers / contacts in case of emergency, etc., of all the representatives of the firm who visit the Branch / CPC, for security reasons.

9) The partners / representatives of CA firms who visit the Branch / CPC shall make their presence in a register maintained for the said purpose.

10) CA firms shall liaise with the Branch / CPC on a regular basis and provide their periodic audit plan and enable the Branch / CPC to furnish / provide documents without affecting loss of audit man days for CA firms and / or customer service is not affected in the Branch / CPC.

11) The representatives of the CA firms shall not enter prohibited / restricted areas, viz., IT server room, record room, strong room, locker room and / or any other security related areas without the prior approval from the Branch Manager.

12) CA firms shall not hold any documents overnight in their custody. Hence, all vouchers / books/ registers/ security document / title deeds / any other documents / vital correspondence etc., are to be returned to the officials of the Branch / CPC on each day.

13) Branch / CPC shall be advised to provide applicable ” Enquiry” rights / access to the Bank’s Core Banking System to the representatives of the CA firm.

14) CA firms shall not seek copies (hard / soft /photostat) of Bank’s instructions / circulars / vital correspondence / study materials etc.

15) Branch / CPC will be providing reasonable level of stationary

16) CA firms shall submit their bill / invoice on a monthly basis.

17) CA firms to furnish their bank account details along with IFSC code to enable the Bank to credit the audit fee to the credit of their account on a monthly basis.

18) CA firms shall endeavor to maintain continuity of their Assistant / Articled clerk a the Branch / CPC, so that there will not be any compromise on the quality of assigned tasks due to frequent change of Assistant / Articled clerk.

19) The Concurrent Auditor will be fully responsible for the quality of the audit, timely completion of audit and submission of the audit reports and reporting to controllers.

20) Subject to the other provisions of this document, firm allocated to any branch can be reallocated to any other branch for any period as per the requirement of the Bank.

21) Documents will be executed by all the partners before taking up the assignment of current audit of allotted branch.

22) The auditors engaged for CA are authorized to have access to any documents and records considered necessary for the performance of their functions within the auditee He can also request members of the staff and management of the auditee unit to supply such information and explanations, as may be needed in carrying out his work, which is to be provided within a reasonable period of time.

23) Any change in the name, address, constitution and partnership deed must be reported to bank within 15 days of such change with necessary supporting documents. Failing which, it will be treated as deliberate suppression of facts by the firm and thereby making them liable to compensate the bank for such change. In such eventualities, bank also reserves its right to terminate the contract with such firm without notice.

24) New partners are to sign documents within 15 days of joining and not doing so will attract the provision relating to deliberate suppression of facts.

25) Outgoing partner will remain liable to Bank to the extent and period as determined by the Bank on case-to-case basis

26) Firm when engaged as concurrent auditor cannot assign/subcontract the job in any sense of the term and in any form whatsoever it may be to any other person. Any assignment/subcontract of the job in some others favour either through operation of law or otherwise will deem the original contract as terminated.

27) In case any information furnished during the application process is found at any point of time, to be incorrect, SBI will not only summarily reject the application / terminate the contract without any notice, but also the applicant may be blacklisted from any future such process with the Bank.

28) SBI may share such information with ICAI, Reserve Bank of India (RBI) or Indian Bankers’ Association (IBA) which is the voluntary representative body of all banking institutions in the country or any other organization, who, in turn, may share the information among its member institutions.

29) Any terms and conditions beyond the scope of this process added by the bidder, whether implicitly or explicitly stated in any of the responses, will be ignored.

30) Notwithstanding anything contained herein above, the Bank reserves its right to terminate the contract by giving 30 days prior notice to the other side without assigning any reason.

31) It is the responsibility of the CA Firm to inform the CAO immediately in case they are selected as statutory auditor.

Place:

Date:

Signature of the applicant with seal

ANNEXURE- E

PENALTY CLAUSES

SN Coverage
Area
Scope of work
expected from
Service Provider /CA
Firm
Quantum of
Measurement
Penalty to be
imposed (For
Service Provider
/ CA Firm)
1. Attendance at the Work Area. Attending branch/unit on daily basis, by Representative of the Service Provider / CA Firm, and 2-3 times a week by the Partner of the Firm. Days of Absence in a month in attending the branch/unit.

(i) by the representative of the Service Provider / Firm or

(ii) by the Partner of the Firm

Twice the
proportionateremuneration ofthe month on a pro-rata basis forthe days of absence. Eg.30 days in a month; Remuneration of Rs. 30000/-p.m. with an absence of 2days: Penalty to be charged: Rs. 2000×2= Rs. 4000.
2. Detection of
Income Leakage
On a day to day basis income leakage, if any detected, to be reported. Non-detection/ non-reporting /
short recovery ofincome leakagefrom the date itbecomes due
within a period of 2 weeks. The penalty to be levied is on account of opportunity loss for the Bank.
For Nondetection/ nonreporting: 1% of
the amount, in the area of income Leakage not
detected/ reported. i.e.(i) Processing Fee(ii) Upfront Fee(iii) BG/LC Comm.(iv) Locker rent etc., (Overall cap for both not to exceed 20% of monthly remuneration). Eg. Processing Fee of Rs. 1 lac. is identified by an Auditor other than CA. after 2 weeks of its becoming due. Penalty will be Rs.1000 for
one instance. If such instances are more, then overall cap of 20% of remuneration
i.e. Rs. 6000 (20% of 30000) to be
charged.
3. Detection of
Majorlacunae in the conduct of the account, systems &
procedures etc.,
Timely detection of
major lacunae.
Non detection of major lacunae as enumerated in the CRM Value Statements of
WBCAS.
Rs.250!- per major lacunae in an account with a maximum penalty of 5% of monthly remuneration.
4. Failure to comment on
Frauds, which may cause loss to the Bank.
Detection! Reporting of Fraud. Non detection! not reporting of Fraud arising on account of failure in implementation of systems & procedures and
security lapses.
10% of monthly remuneration per instance, with a cap of 25% of monthly remuneration.
5. Detailed Scrutiny of
Accounts and submission of observations.
Detailed Scrutiny of Accounts within a reasonable time and submission of observations online on a daily basis. Detailed scrutiny of accounts by commenting as per Value Statements mentioned in WBCAS, if not
done: Eg. All accounts within 3 months and thereafter once, at the time of renewal! review! new sanction;
Rs.250! per account with an overall cap of 5% of the monthly
remuneration.
6. Submission of Monthly / Qly. Concurrent Audit Reports (Annexure-V, VI& VII as available in SBIeTHIC) to the BM/ Head of the
Unit/AGM (Audit)/ GM(NW) etc. a
Monthly Reports to be submitted within a week of the succeeding month to the BM/Head of the Unit. Thereafter, with their remarks to
RM/DGM (BO) within 2nd week of the succeeding month of
report.
Non submission
as per schedule.
Non- Submission: 10% of Audit Fee p.m. Non submission by over 3
months: Termination of the Contract giving one month’s notice.Delayed Submission: Rs.250/ per day till submission. (With an overall cap of 10% of monthly remuneration p.m.)
7. Unacceptable delay in the
performance of obligations.
Should be done in accordance with the time schedule specified in the Agreement. Identified areas of deficiency in performance:

(i) Partner’s not attending branch/ unit 2-3 times a
week;

(ii) Non-deputation of representative every day;

(iii) Non- submission of
Reports;

(iv) Non-detection of Income leakage in time, resulting in opportunity loss; &

(v) Non-detection/reporting of Frauds.

(vi) Poor Quality of Reports.

Termination of Contract, by giving a month’s notice, as per Service Level Agreement (SLA).
8 Overall Performance of the Concurrent Auditor Should adhere to the Bank’s instructions while performing Audit duties and function in accordance with the Concurrent Audit
Policy and manual.
Nodal Officers
from the ZIOs andRFIA Auditorsperform surprise
checks by visitingthe Concurrent Audit Branches
once in a Half Year and verify the performance of Concurrent Auditors by selecting some sample Accounts. Based on the reports by the visiting officials I&MA/ZIO will rate the CAs.
If the performance of the Concurrent Auditor is rated “Average” or “Below Average” for TWO consecutive Half Years, the Contract Agreement shallv be reviewed/ reconsidered, and Contract may also be terminated as per the terms and conditions in the SLA.ICAI will also be advised in this regard.

_____

LIST OF TENTATIVE VACANCIES AT BRANCHES / CENTRES
SL NO Br code Branch Name CAO CENTRE NAME
1 819 Bijapur Banglore Bijapur
2 2212 SME Gokul Road Hubli Banglore Hubli
3 3024 Peenya Industrial Estate Banglore Bengaluru
4 3286 Jayanagar II Block Banglore Bengaluru
5 4118 SME Branch Mangalore Banglore Mangalore
6 4230 SME Rajajinagar Ind Estate Banglore Bengaluru
7 4330 SME Branch, Bellary Banglore Bellary
8 4426 MAN IPAL BRANCH Banglore Manipal
9 5212 RASECC Mangalore Banglore Managlore
10 5214 RASECC Belgaum Banglore Belgaum
11 6866 SPBB Bangalore Banglore Bengaluru
12 6959 SME Branch Jayanagar Banglore Bengaluru
13 11349 SBI Incube Branch (SME Bangalore) Banglore Bengaluru
14 15477 SMECCC Hubli Banglore Hubli
15 15627 RACPC Koramangala Bangalore Banglore Bengaluru
16 15628 RACPC Banasawadi Bangalore Banglore Bengaluru
17 15628 RACPC Banasawadi Bangalore Banglore Bengaluru
18 17753 RACPC White Field Bangalore Banglore Bengaluru
19 17753 RACPC White Field Bangalore Banglore Bengaluru
20 18994 RACPC Yalhanka Bangalore Banglore Bengaluru
21 21014 SMECC, Banaswadi Banglore Bengaluru
22 40054 Ashoka Road Mysore Banglore Mysore
23 3945 Paradeep Bhubaneshwar PARADEEP
24 4414 Fortune Tower Bhubaneswar Bhubaneshwar BHUBANESWAR
25 4468 CPPC Bhubaneswar Bhubaneshwar BHUBANESWAR
26 4485 RACPC Bhubaneswar Bhubaneshwar BHUBANESWAR
27 7020 SME Branch Balasore Bhubaneshwar BALASORE
28 9678 SME Branch Rourkela Bhubaneshwar ROURKELA
29 5277 RACPC Ambala Chandigarh AMBALA
30 5279 RACPC KARNAL Chandigarh KARNAL
31 5697 SME IC BAHADURGARH Chandigarh BAHADURGARH
32 9530 SME MANDI GOVINDGARH Chandigarh MANDI GOBINDGARH
33 9926 CB CHANDIGARH Chandigarh CHANDIGARH
34 61191 RACPC, AMRITSAR Chandigarh AMRITSAR
35 63682 RACPC SHIMLA Chandigarh SHIMLA
36 827 COIMBATORE Chennai COIMBATORE
37 855 KARAIKUDI Chennai KARAIKUDI
38 869 MADURAI Chennai MADURAI
39 880 SME BRANCH NAGERCOIL Chennai NAGERCOIL
40 900 PONDICHERRY Chennai PONDICHERRY
41 958 NEYVELI Chennai NEYVELI
42 965 MYLAPORE Chennai CHENNAI
43 988 SME BRANCH MADURAI Chennai MADURAI
44 3595 SME BRANCH KURICHI COIMBATORE Chennai COIMBATORE
45 4033 SME BRANCH EKKADUTHANGAL CHENNAI Chennai CHENNAI
46 4060 SME BRANCH TIRUCHIRAPALLI Chennai TIRUCHIRAPALLI
47 4201 COMMERCIAL BRANCH TIRUPUR Chennai TIRUPUR
48 4279 NRI BRANCH ANNANAGAR CHENNAI Chennai CHENNAI
49 4487 RACPC CHENNAI Chennai CHENNAI
50 4487 RACPC CHENNAI Chennai CHENNAI
51 4899 VOC NAGAR (THANJAVUR) Chennai THANJAVUR
52 5008 SMECCC COIMBATORE Chennai COIMBATORE
53 5071 TRADE FINANCE CPC COIMBATORE Chennai COIMBATORE
54 7201 COMMERCIAL BRANCH SALEM Chennai SALEM
55 7536 COMMERCIAL BRANCH COIMBATORE Chennai COIMBATORE
56 7684 NRI BR. CHENNAI Chennai CHENNAI
57 10042 RACPC COIMBATORE Chennai COIMBATORE
58 10205 RACPC TIRUCHIRAPPALLI Chennai TIRUCHIRAPALLI
59 10612 RA SME CCC-SARC VELLORE Chennai VELLORE
60 11654 NRI ADAYAR Chennai CHENNAI
61 12512 SME BRANCH P N ROAD TIRUPUR Chennai TIRUPUR
62 12776 SME BRANCH COIMBATORE Chennai COIMBATORE
63 12777 SME BRANCH ERODE Chennai ERODE
64 12806 SME BRANCH THANJAVUR Chennai THANJAVUR
65 13362 SME BRANCH VIRUDHUNAGAR Chennai VIRUDHUNAGAR
66 15440 RACPC- ANNA NAGAR Chennai CHENNAI
67 15441 RACPC OMR CHENNAI Chennai CHENNAI
68 15441 RACPC OMR CHENNAI Chennai CHENNAI
69 17193 RACPC MRC NAGAR CHENNAI Chennai CHENNAI
70 17938 RACPC AYYAPPANTHANGAL Chennai CHENNAI
71 50783 PUDUR PIRUVU TIRU Chennai TIRUPUR
72 61039 RACPC TAM BARAM Chennai CHENNAI
73 61040 RACPC COIMBATORE NORTH Chennai COIMBATORE
74 61068 SMEC TIRUCHIRAPALLI Chennai TIRUCHIRAPALLI
75 61074 SMEC SALEM Chennai SALEM
76 61075 SMEC MADURAI Chennai MADURAI
77 61171 SIRUTHOZHIL BRANCH, ARUPUKOTTAI Chennai ARUPUKOTTAI
78 61304 SME HOSUR Chennai HOSUR
79 62465 R-DB RACC KANCHEEPURAM Chennai KANCHEEPURAM
80 469 SANAND Gandhinagar SANAND (DIST: AHMEDABAD)
81 486 SIDDHPUR Gandhinagar SIDDHPUR (DIST:PATAN)
82 4152 CCG AHMEDABAD Gandhinagar AHMEDABAD
83 4199 SAMB AHMEDABAD Gandhinagar AHMEDABAD
84 5063 TRADE FINANCE CPC VADODARA Gandhinagar VADODARA
85 5150 HIGHWAY ROAD MEHSANA Gandhinagar MEHSANA
86 5744 GIDC WADHWAN Gandhinagar WADHWAN (DIST: SURENDRANAGAR)
87 6926 COMMERCIAL BRANCH AHMEDABAD Gandhinagar AHMEDABAD
88 9120 G I D C SACHIN Gandhinagar SACHIN (DIST:SURAT)
89 10191 SME MORVI Gandhinagar MORBI
90 11029 SPECIALISED COMMERCIAL BRANCH VAPI Gandhinagar VAPI (DIST: VALSAD)
91 12700 INFO CITY, GANDHINAGAR Gandhinagar GANDHINAGAR
92 13206 RASMECC CUM SARC JUNAGADH Gandhinagar JUNAGADH
93 13476 TRIMAN DIR ADALAJ Gandhinagar GANDHINAGAR
94 13478 NRI BRANCH ANAND Gandhinagar ANAND
95 15802 SMECCC BHAVNAGAR Gandhinagar BHAVNAGAR
96 16287 SPECIALISED NRI BRANCH NAVSARI Gandhinagar NAVSARI
97 18952 SP NRI BRANCH SURAT Gandhinagar SURAT
98 31755 College Road Mehsana Gandhinagar MEHSANA
99 60012 DARBARGADH MAHUA Gandhinagar MAHUVA (DIST:BHAVNAGAR)
100 60087 JAMNAGAR D P Gandhinagar JAMNAGAR
101 60344 SME GONDAL ROAD RAJKOT Gandhinagar RAJKOT
102 60376 SSI, SHANALA ROAD, MORBI Gandhinagar MORBI
103 60387 VADODARA SSI Gandhinagar VADODARA
104 60399 C G ROAD BRANCH Gandhinagar AHMEDABAD
105 60921 RASECC BHAVNAGAR Gandhinagar BHAVNAGAR
106 61132 RACPC, ASHRAM ROAD, AHMEDABAD Gandhinagar AHMEDABAD
107 63751 SME NATUBHAI CIRCLE BRANCH Gandhinagar VADODARA
108 63758 SME BRANCH RAJKOT Gandhinagar RAJKOT
109 63759 SME BRANCH MAHUVA Gandhinagar MAHUVA (DIST:BHAVNAGAR)
110 63762 SME BRANCH BHAVNAGAR Gandhinagar BHAVNAGAR
111 83 Golaghat Guwhati Golaghat
112 181 Shillong Guwhati Shillong
113 3232 Naharlagun Guwhati Guwahati
114 4418 CB Guwahati Guwhati Guwahati
115 4471 C Pension Proc Centre Guwahati Guwhati Guwahati
116 4488 RACPC Guwahati Guwhati Guwahati
117 4488 RACPC Guwahati Guwhati Guwahati
118 5320 Manipur University Campus Guwhati Jorhat
119 9945 Khanpara Guwhati Guwahati
120 10389 CCPC Guwahati Guwhati Guwahati
121 11160 RASMEC Johrat Guwhati Jorhat
122 12259 G S Road Guwahati Guwhati Guwahati
123 15150 Liabiltiy Central Processing Centre Guwahati Guwhati Guwahati
124 1921 OVERSEAS BRANCH HYDERABAD Hyderabad HYDERABAD
125 3098 NACHARAM SME BR. HYDERABAD Hyderabad HYDERABAD
126 4071 NRI BRANCH HYDERABAD Hyderabad HYDERABAD
127 4168 COMMERCIAL BRANCH HYDERABAD Hyderabad HYDERABAD
128 4187 HI-TEC CITY BRANCH MADHAPUR Hyderabad HYDERABAD
129 4266 CMPOC HYDERABAD Hyderabad HYDERABAD
130 5055 TRADE FINANCE CPC HYDERABAD Hyderabad HYDERABAD
131 9103 IFB HYDERABAD Hyderabad HYDERABAD
132 10104 SME HYDERABAD Hyderabad HYDERABAD
133 10476 CCPC HYDERABAD Hyderabad HYDERABAD
134 13039 CCG BRANCH HYDERABAD Hyderabad HYDERABAD
135 13765 KOHINOOR BANJARA PREMIUM BANKING CENTRE Hyderabad HYDERABAD
136 15330 RACPC MADHAPUR Hyderabad HYDERABAD
137 17894 RACPC HIMAYATNAGAR HYDERABAD Hyderabad HYDERABAD
138 20076 SANATHNAGAR HYDERABAD Hyderabad HYDERABAD
139 20149 NIT Warangal Hyderabad WARANGAL
140 20537 EDDU MAILARAM ORDNANCE FACTORY Hyderabad HYDERABAD
141 20684 SME BRANCH SOMAJUGUDA Hyderabad HYDERABAD
142 21088 RASMECCC NIZAMABAD Hyderabad NIZAMABAD
143 21118 R A C P C BANJARA HILLS Hyderabad HYDERABAD
144 21118 R A C P C BANJARA HILLS Hyderabad HYDERABAD
145 21122 S M E C C HYDERABAD Hyderabad HYDERABAD
146 22005 RASMECCC KHAMMAM Hyderabad KHAMMAM
147 744 SME BR JAIPUR SOUTH Jaipur JAIPUR
148 4081 SME JODHPUR Jaipur JODHPUR
149 31209 CHETAK CIRCLE UDAIPUR Jaipur UDAIPUR
150 31510 JAIPUR TILAK MARG Jaipur JAIPUR
151 31878 CPPC JAIPUR Jaipur JAIPUR
152 63 DARJEELING Kolkata SILIGURI
153 74 DURGAPUR(DISTT BURDWAN) Kolkata BURDWAN
154 156 PORT BLAIR Kolkata SOUTH24 PARGANAS
155 1054 CHOWRINGHEE Kolkata KOLKATA
156 4288 SME EXIM BRANCH KOLKATA Kolkata KOLKATA
157 5052 TFCPC-KOLKATA Kolkata KOLKATA
158 5237 LCPC KOLKATA Kolkata KOLKATA
159 6284 NRI BRANCH KOLKATA Kolkata KOLKATA
160 10263 RACPC HOWRAH Kolkata HOWRAH
161 10263 RACPC HOWRAH Kolkata HOWRAH
162 10266 RASMEC DURGAPUR Kolkata burdwan
163 14523 KOLKATA HIGH COURT SPB BRANCH Kolkata KOLKATA
164 15743 SMECC BALLYGUNGE Kolkata South 24Parganas
165 15745 SMECCC BIDHANNAGAR KOLKATA Kolkata BIDHANNAGAR
166 16286 RACPC SOUTH KOLKATA Kolkata South 24Parganas
167 16286 RACPC SOUTH KOLKATA Kolkata South 24Parganas
168 50271 KOLKATA CAMAC STREET Kolkata South 24Parganas
169 107 Kanpur Main Branch, Kanpur Lucknow KANPUR
170 4491 RACPC Lucknow Lucknow LUCKNOW
171 8069 Korwa Lucknow AMETHI
172 15194 Specialized NRI Branch, Lucknow Lucknow LUCKNOW
173 17613 Specialized NRI Branch, Allahabad Lucknow ALLAHABAD
174 18632 HAL Indira Nagar, Lucknow Lucknow LUCKNOW
175 687 NAINITAL New Delhi NAINITAL
176 727 SME BRANCH OKHLA I. E. N DELHI New Delhi DELHI
177 1067 DELHI UNIVERSITY New Delhi DELHI
178 1361 SME RAILWAY ROAD, SAHARANPUR New Delhi SAHARANPUR
179 3066 MAHARAJPUR New Delhi GHAZIABAD
180 3786 SME NARAINA IND AREA New Delhi DELHI
181 4077 SME SECTOR-18 NOIDA New Delhi NOIDA
182 4298 CB NEHRU PLACE, NEW DELHI New Delhi DELHI
183 4499 SMECCC DELHI New Delhi DELHI
184 5235 LCPC NOIDA New Delhi DELHI
185 5714 SME BRANCH WAZIRPUR IND ESTATE New Delhi DELHI
186 9298 SME NAVYUG Market GHZ New Delhi GHAZIABAD
187 9950 SME FARIDABAD New Delhi FARIDABAD
188 10049 RACPC GHAZIABAD New Delhi GHAZIABAD
189 10161 SMECCC DEHRADUN New Delhi DEHRADUN
190 10553 UDYOG SADAN New Delhi DELHI
191 13913 SME BRANCH SOUTH EXT. DELHI New Delhi DELHI
192 14702 RACPC CUM SARC, NOIDA New Delhi NOIDA
193 15051 SME RUDRAPUR New Delhi RUDRAPUR
194 15711 SMECCC NARAINA New Delhi DELHI
195 18985 SBI CCPC II New Delhi DELHI
196 30497 NRI BRANCH NOIDA New Delhi NOIDA
197 40321 NAYA BAZAR DELHI New Delhi DELHI
198 50270 KUNDLI New Delhi KUNDLI
199 50771 FARIDABAD-COMMERCIAL New Delhi FARIDABAD
200 61251 SMECC BHOLA NATH NAGAR New Delhi DELHI
201 138 MUZAFFARPUR Patna MUZAFFARPUR
202 4493 RACPC,PATNA Patna PATNA
203 6449 SME GIRIDIH Patna GIRIDIH
204 6541 SME DHANBAD Patna DHAN BAD
205 10015 RASMECC BOKARO Patna BOKARO
206 10022 RACPC,RANCH Patna RANCH I
207 10022 RACPC RANCH Patna RANCH I
208 16231 NRI PATNA Patna PATNA
209 303 AHMEDNAGAR Pune Ahmednagar
210 510 PEDDAR ROAD Pune South Mumbai
211 513 MAPUCA Pune Mapuca, North Goa
212 533 CHEMBUR Pune Central Mumbai
213 548 LINKING ROAD,BANDRA Pune Western Mumbai
214 1196 Ojhar Pune Nasik
215 1593 BACKBAY RECLAMATION Pune South Mumbai
216 1632 HINGNA IND. EST. Pune Nagpur
217 1916 INTERNATIONAL SERVICES BRANCH. Pune South Mumbai
218 3439 UDYAMNAGAR IND.EST.KOLHAPUR Pune Kolhapur
219 3473 S.E.E.P.Z. MUMBAI Pune Western Mumbai
220 3667 PARBHANI Pune Parbhani
221 4114 HINDU COLONY Pune Central Mumbai
222 4115 CB VILE PARLE Pune Western Mumbai
223 4116 CB.VASCO-DA-GAMA Pune Vasco, South Goa
224 4174 MIDC SATARA Pune Satara
225 4205 SPECIALISED PBB, MUMBAI Pune South Mumbai
226 4495 SME CITY CREDIT CENTRE Mumbai Pune BKC Mumbai
227 4496 SMECCC PUNE Pune Pune
228 4732 IFB ANDHERI-EAST Pune Western Mumbai
229 4791 OB MUMBAI. Pune South Mumbai
230 5939 INDUSTRIAL ESTATE CHANDRAPUR Pune Chandrapur
231 6945 NARIMAN POINT-MUMBAI Pune South Mumbai
232 8586 MADAME CAMA ROAD BRANCH Pune South Mumbai
233 8964 NRI BRANCH MUMBAI Pune South Mumbai
234 8965 IFB MUMBAI Pune BKC Mumbai
235 8966 IFB PUNE Pune Pune
236 10287 RACPC – I, PUNE Pune Pune
237 10288 RACPC,NAGPUR Pune Nagpur
238 10290 RASECC, PANAJI Pune Panaji, North Goa
239 10518 RASECC, NASIK Pune Nasik
240 11777 SBI Capital Market Pune South Mumbai
241 12957 SME NAGPUR Pune Nagpur
242 15520 NRI VILE PARLE (WEST) Pune Western Mumbai
243 16755 SME BRANCH AMRAVATI Pune Amravati
244 17910 RACPC III BANER PUNE Pune Pune
245 21775 RASMECCC NANDED Pune Nanded
246 61077 RACPC NANDED Pune Nanded
247 802 ALAPPUZHA Thiru’Puram ALAPPUZHA
248 1891 KOTTAYAM Thiru’Puram KOTTAYAM
249 2279 THUMBA Thiru’Puram THIRUVANANTHAPURAM
250 4063 COMMERCIAL BRANCH KOLLAM Thiru’Puram KOLLAM
251 4494 RACPC TRIVANDRUM Thiru’Puram THIRUVANANTHAPURAM
252 5066 TFCPC ERNAKULAM Thiru’Puram ERNAKULAM
253 7854 VALIYAMALA Thiru’Puram NEDUMANGAD
254 8591 ANGAMALI TOWN Thiru’Puram ANGAMALI
255 9485 CEPZ KAKKANAD Thiru’Puram THRIKKAKARA
256 10158 RACPC ERNAKULAM Thiru’Puram ERNAKULAM
257 10158 RACPC ERNAKULAM Thiru’Puram ERNAKULAM
258 10209 RACPC KOZHIKODE Thiru’Puram KOZHIKODE
259 10210 RASMECCC KANNUR Thiru’Puram KANNUR
260 10210 RASMECCC KANNUR Thiru’Puram KANNUR
261 10724 RASMECC CHANGANACHERRY Thiru’Puram CHANGANACHERRY
262 15424 RASMECCC ALUVA Thiru’Puram ALUVA
263 15784 KALPETTA TOWN Thiru’Puram KALPETTA
264 16997 RACPC KOTTAYAM Thiru’Puram KOTTAYAM
265 61038 GLOBAL NRI CENTRE Thiru’Puram ERNAKULAM
266 61044 RASMECCC PATHANAMTHITTA Thiru’Puram PATHANAMTHITTA
267 61049 RASMEC KUNNAMKULAM Thiru’Puram KUNNAMKULAM
268 61064 SMECCC KOTTAYAM Thiru’Puram KOTTAYAM
269 63308 RACC (R-DB) THODUPUZHA Thiru’Puram THODUPUZHA
270 70081 CHERTHALA Thiru’Puram CHERTHALA
271 70089 MAVELIKKARA TOWN Thiru’Puram MAVELIKARA
272 70188 KANNUR ROAD KOZHIKODE Thiru’Puram KOZHIKODE
273 70192 KALPETTA Thiru’Puram KALPETTA
274 70230 CHANGANASSERY- INDUSTRIAL ESTATE Thiru’Puram CHANGANACHERRY
275 70318 HIGHWAY AROOR Thiru’Puram AROOR
276 70902 RASMECCC PALA Thiru’Puram PALA
277 70903 RACPC II ERNAKULAM Thiru’Puram ERNAKULAM
278 70904 RASMECCC IRINJALAKKUDA Thiru’Puram IRINJALAKUDA
279 578 PATAMATA Vijayawada VIJAYAWADA
280 788 GIDDALUR Vijayawada GIDDALUR
281 836 ELURU Vijayawada ELUGU
282 841 GUDIWADA Vijayawada GUDIVADA
283 844 GUNTUR Vijayawada GUNTUR
284 883 NAN DYAL Vijayawada NAN DYAL
285 933 TIRUPATI Vijayawada TIRUPATI
286 1902 YERRAMUKKAPALLI (CUDDAPAH) Vijayawada CUDDAPAH
287 1982 SRIHARIKOTA Vijayawada SRIHARIKOTA
288 4157 N R I BRANCH BENZ CIRCLE, VJA Vijayawada VIJAYAWADA
289 4246 CB, ONGOLE Vijayawada ONGOLE
290 5016 SMECCC, VISAKHAPATNAM Vijayawada VISAKHAPATNAM
291 5251 RACPC1, VISAKAPATNAM Vijayawada VISAKHAPATNAM
292 5254 RASMECCC & SARC, RAJAMUNDRY Vijayawada RAJAHMUNDRY
293 6318 VSP.STEEL PLANT, BALACHERUVU Vijayawada VISAKHAPATNAM
294 6830 SME BRANCH, GUNTUR Vijayawada GUNTUR
295 7796 SAMANASA Vijayawada SAMANASA
296 8974 OB VISAKHAPATNAM Vijayawada VISAKHAPATNAM
297 8999 TOWN BRANCH (BMC BR), ONGOLE Vijayawada ONGOLE
298 10077 SARB, VISAKHAPATNAM Vijayawada VISAKHAPATNAM
299 11105 RAMA LAXMAN NAGAR SKLM Vijayawada SRIKAKULAM
300 13483 IFB, GUNTUR Vijayawada GUNTUR
301 13517 NRI BRANCH VISAKHAPATNAM Vijayawada VISAKHAPATNAM
302 14407 CB, VISAKHAPATNAM Vijayawada VISAKHAPATNAM
303 15158 LCPC, VIJAYAWADA Vijayawada VIJAYAWADA
304 15546 RASMECC (RACPC), NELLORE Vijayawada NELLORE
305 16292 SME BRANCH, TIRUPATI Vijayawada TIRUPATI
306 16442 SME BRANCH, NELLORE Vijayawada NELLORE
307 16576 CB, VIJAYAWADA Vijayawada VIJAYAWADA
308 17981 SME, NANDYAL Vijayawada NANDYAL
309 18200 SME BHIMAVARAM Vijayawada BHIMAVARAM
310 18241 RACPC2, VISAKHAPATNAM Vijayawada VISAKHAPATNAM
311 21017 RACPC2 (RASECC), VIJAYAWADA Vijayawada VIJAYAWADA
312 21596 SMECC (RASMECCC), GUNTUR Vijayawada GUNTUR
313 21666 VAJRALAPETA BRANCH, PENUKONDA Vijayawada PENUKONDA
314 61056 RASMECC, VIZIANAGARAM Vijayawada VIZIANAGARAM
315 61057 RASMECC, KURNOOL Vijayawada KURNOOL
316 61058 RASMECC, ANANTPUR Vijayawada ANANTAPUR
317 63640 SME, BESANT ROAD, VIJAYAWADA Vijayawada VIJAYAWADA
318 63649 SME, SIRIPURAM JUNCTION Vijayawada VISAKHAPATNAM
319 63655 SME, TENALI Vijayawada TENALI

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