Lok Sabha Question No. 3324 (UNSTARRED), answered on 2015-12-18
Subject: Loan through Fake Documents
Ministry: FINANCE
Asked by: MUTHAMSETTI SRINIVASA RAO (AVNTHI)

## GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES

LOK SABHA UNSTARRED QUESTION NO 3324

TO BE ANSWERED ON THE 18 th  DECEMBER, 2015 / AGRAHAYANA 27 , 1937 (SAKA)

## LOAN THROUGH FAKE DOCUMENTS

## 3324. SHRI MUTHAMSETTI SRINIVASA RAO(AVANTHI):

Will the Minister of FINANCE be pleased to state:

- (a)  whether the cases of raising of loans from banks on the basis of fake documents are on rise;
- (b)  if so, the details thereof along with the amount involved therein during each of the last three years and the current year, bank-wise;
- (c)  whether the Government has conducted any enquiry during the said period;
- (d)  if  so,  the  details  thereof  along  with  the  number  of  officials  found  involved  in  such cases during the said period, bank-wise including PNB, Hyderabad and the punitive action taken by the Government against such persons; and
- (e)  the other corrective steps taken / being taken by the Government to keep a check on such cases in future?

## ANSWER

## THE MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI JAYANT SINHA)

(a) & (b): Reserve Bank of India (RBI) has informed that Public Sector Banks(PSBs)  do not separately report cases of loans raised on the basis of fake documents.    These  are  reported  under  the  head  'Cheating  and  Forgery',  which would  also  include  other  type  of  fraud  cases.  Details  of  'Cheating  and  Forgery' frauds of Rs 1 lakh and above reported by PSBs for the last three financial years is as under:-

(Rs in crore)

|   Sr. No. | Calendar Year                   |   No. of frauds cases reported |   Amount involved |
|-----------|---------------------------------|--------------------------------|-------------------|
|         1 | 2012-13 (April to March)        |                           1482 |           3870.83 |
|         2 | 2013-14 (April to March)        |                           1520 |           5591.3  |
|         3 | 2014-15 (April to March)        |                           1651 |          11083.1  |
|         4 | 2015-16 (April, 15 to Sept, 15) |                            861 |           4920.02 |

Bank-wise details in this regard is at Annex-I.

(c) & (d): Banks initiate/probe staff accountability and staff involvement in all the fraud  cases  and  on  completion  of  investigation,  commensurate  punishment  is awarded to the delinquent employees based on the seriousness of the wrongdoings as  per  Bank's  disciplinary  rules  which  includes  censuring,  administrative  warning, suspension  of  the  employees,  reduction  in  scales  of  pay,  monetary  penalty  and recovery of losses, compulsory retirement, termination from service, dismissal with disqualification from future employment etc.

Bank-wise details of 'Cheating and Forgery' frauds of Rs. 1 lakh and above reported by PSBs where staff was involved is at Annex-II .

(e): RBI has issued Master Circular on 'Frauds - Classification and reporting' vide RBI. DBS.CFMC.BC.No.1 / 23.04.001/2015 -16 dated July 01, 2015 containing all the details/aspects relating to frauds. The same is also available on the website of RBI  i.e.  www.rbi.org.in.  On  receipt  of  fraud  reports  from  banks,  various  aspects related to the frauds are examined and concerned banks are advised to report the case  to  CBI/  Police/  SFIO,  examine  staff  accountability,  complete  proceedings against the erring staff expeditiously, take steps to recover the amount involved in the fraud,  claim  insurance  wherever  applicable  and  streamline  the  system  as  also procedures so that frauds do not recur. To compress the time taken in detection of fraud,  a  new  framework  for  handling  loan  frauds  has  been  put  in  place.  The framework stipulates continuous monitoring of loan accounts, time bound action at each  stage  of  loan's  life  cycle  and  commencement  of  investigation  on  observing early warning signal in an account. Further the framework also prohibited banks from extending bank finance to borrowers who have defaulted and also committed a fraud for five years from the date of full payment of the defrauded amount. RBI as a part of its  supervisory  process  also  takes  the  following  measures  to  prevent/reduce  the incidence of frauds:

- (i) Issues circulars to banks from time to time about common fraud prone areas, modus operandi circulars on various types of frauds and the measures to be taken by them.
- (ii) Issues  caution  advices  in  respect  of  borrowers  who  have  defrauded  the banks.
- (iii) In  order  to  make  third  parties  and  professionals  accountable,  who  have played  a  vital  role  verification  of  the  property/document  or  facilitated  the perpetration  of  frauds,  banks  have  been  advised  to  report  to  Indian  Bank's Association  (IBA).  IBA  in  turn  will  prepare  caution  lists  of  such  parties  for circulation among the banks.

RBI  has  issued  circular  on 'Legal  Audit  of  Title  Documents  in  Respect  of Large Value Loan Accounts' (Circular dated June 7, 2013). RBI has advised banks to subject the title deeds and other documents in respect of all credit exposures of Rs 5 crore and above to periodic legal audit and re-verification  of  title  deeds  with relevant authorities as part of regular audit exercise till the loan stands fully repaid.

The  Government  has  set  up  the  Central  Registry,  as  the  nodal  agency  for maintaining  records  of  registrations  relating  to  securitization,  reconstruction  of financial  assets  and  security  interest  created  over  properties  on  31.03.2011  to minimize  the  frauds  relating  to  multiple  mortgaging  of  a  property  with  different lenders

- *****

ANNEX-I Advance related fraud cases of Rs1 lakh and above reported under the heading "Cheating and Forgery"

| Bank Name                                   | 2012-13     | 2012-13                  | 2013-14     | 2013-14                  | 2014-15     | 2014-15                  | April 2015- Sep   | April 2015- Sep          |
|---------------------------------------------|-------------|--------------------------|-------------|--------------------------|-------------|--------------------------|-------------------|--------------------------|
| Bank Name                                   | No of cases | Amount involved in crore | No of cases | Amount involved in crore | No of cases | Amount involved in crore | No of cases       | Amount involved in crore |
| Allahabad Bank                              | 95          | 308.48                   | 67          | 459.07                   | 35          | 73.11                    | 7                 | 102.88                   |
| Andhra Bank                                 | 52          | 81.50                    | 23          | 206.80                   | 28          | 393.38                   | 16                | 65.32                    |
| Axis Bank Ltd.                              | 68          | 33.32                    | 57          | 433.96                   | 47          | 256.90                   | 16                | 6.11                     |
| Bank of Bahrain & Kuwait BSC                | 1           | 5.33                     | 0           | 0.00                     | 0           | 0.00                     | 0                 | 0.00                     |
| Bank of Baroda                              | 60          | 381.35                   | 106         | 402.08                   | 148         | 1104.11                  | 51                | 93.86                    |
| Bank of India                               | 69          | 4.83                     | 9           | 2.24                     | 2           | 8.35                     | 20                | 9.44                     |
| Bank of Maharashtra                         | 1           | 0.25                     | 8           | 15.62                    | 24          | 168.22                   | 9                 | 5.78                     |
| Canara Bank                                 | 44          | 557.72                   | 49          | 174.62                   | 58          | 131.57                   | 28                | 1126.41                  |
| Catholic Syrian Bank Ltd.                   | 0           | 0.00                     | 1           | 0.05                     | 4           | 0.65                     | 4                 | 1.02                     |
| Central Bank of India                       | 60          | 126.67                   | 117         | 818.39                   | 161         | 1973.52                  | 67                | 125.52                   |
| Citibank N.A.                               | 3           | 0.08                     | 15          | 11.41                    | 5           | 1.64                     | 0                 | 0.00                     |
| Corporation Bank                            | 35          | 74.14                    | 39          | 272.59                   | 44          | 1209.39                  | 39                | 358.43                   |
| DBS Bank Limited                            | 0           | 0.00                     | 1           | 14.24                    | 0           | 0.00                     | 1                 | 1.43                     |
| DCB Bank Ltd                                | 3           | 1.26                     | 3           | 0.15                     | 0           | 0.00                     | 0                 | 0.00                     |
| Dena Bank                                   | 19          | 209.16                   | 21          | 160.53                   | 23          | 388.23                   | 9                 | 22.60                    |
| Dhanlaxmi Bank Limited                      | 0           | 0.00                     | 4           | 0.35                     | 2           | 0.43                     | 0                 | 0.00                     |
| EXPORT-IMPORT BANK OF                       | 0           | 0.00                     | 0           | 0.00                     | 1           | 22.50                    | 0                 | 0.00                     |
| INDIA Federal Bank Ltd.                     | 19          | 6.48                     | 26          | 5.74                     | 25          | 12.31                    | 16                | 15.11                    |
| HDFC Bank Ltd.                              | 18          | 6.47                     | 15          | 2.64                     | 23          | 6.23                     | 17                | 14.34                    |
| Hongkong& Shanghai Banking Corporation Ltd. | 28          | 4.73                     | 29          | 73.87                    | 4           | 24.59                    | 1                 | 85.31                    |
| ICICI Bank Ltd.                             | 106         | 41.12                    | 100         | 727.01                   | 65          | 234.01                   | 33                | 10.58                    |
| IDBI Bank Limited                           | 53          | 70.71                    | 56          | 447.81                   | 20          | 218.19                   | 18                | 91.29                    |
| IFCI LTD.                                   | 0           | 0.00                     | 0           | 0.00                     | 0           | 0.00                     | 1                 | 57.29                    |
| Indian Bank                                 | 49          | 132.90                   | 23          | 38.30                    | 56          | 71.16                    | 27                | 85.89                    |
| Indian Overseas Bank                        | 82          | 477.07                   | 66          | 158.37                   | 78          | 518.97                   | 39                | 335.43                   |
| IndusInd Bank Ltd.                          | 2           | 0.41                     | 1           | 0.47                     | 0           | 0.00                     | 1                 | 1.82                     |
| ING Vysya Bank Ltd.                         | 2           | 2.10                     | 2           | 0.21                     | 3           | 2.23                     | 0                 | 0.00                     |
| Jammu & Kashmir Bank Ltd.                   | 1           | 0.06                     | 0           | 0.00                     | 0           | 0.00                     | 0                 | 0.00                     |
| Karnataka Bank Ltd.                         | 9           | 2.21                     | 8           | 3.83                     | 16          | 21.78                    | 1                 | 0.12                     |
| KarurVysya Bank Ltd.                        | 4           | 0.51                     | 9           | 1.42                     | 10          | 121.89                   | 10                | 58.19                    |
| Kotak Mahindra Bank Ltd.                    | 2           | 0.45                     | 9           | 10.33                    | 2           | 1.02                     | 6                 | 4.04                     |
| Lakshmi Vilas Bank Ltd.                     | 16          | 12.05                    | 1           | 0.02                     | 0           | 0.00                     | 0                 | 0.00                     |
| Nainital Bank Ltd.                          | 20          | 3.28                     | 3           | 0.80                     | 3           | 0.40                     | 1                 | 0.19                     |
| Oriental Bank of Commerce                   | 19          | 7.60                     | 54          | 25.69                    | 100         | 64.76                    | 58                | 401.70                   |
| Punjab & Sind Bank                          | 15          | 3.87                     | 13          | 2.34                     | 17          | 4.32                     | 4                 | 5.22                     |
| Punjab National Bank                        | 53          | 12.65                    | 66          | 112.69                   | 31          | 63.28                    | 21                | 29.16                    |
| RBL Bank Ltd.                               | 2           | 0.44                     | 3           | 14.81                    | 1           | 5.00                     | 1                 | 2.50                     |
| Shinhan Bank                                | 0           | 0.00                     | 0           | 0.00                     | 0           | 0.00                     | 1                 | 5.83                     |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA  | 1           | 0.73                     | 1           | 1.34                     | 0           | 0.00                     | 0                 | 0.00                     |
| South Indian Bank Ltd.                      | 11          | 1.53                     | 14          | 11.27                    | 2           | 16.02                    | 2                 | 0.52                     |
| Standard Chartered Bank                     | 12          | 11.20                    | 12          | 26.47                    | 2           | 13.16                    | 2                 | 0.57                     |
| State Bank of Bikaner & Jaipur              | 36          | 10.19                    | 31          | 97.89                    | 33          | 454.67                   | 23                | 93.46                    |
| State Bank of Hyderabad                     | 16          | 186.26                   | 8           | 1.85                     | 6           | 1.88                     | 11                | 78.18                    |
| State Bank of India                         | 125         | 437.98                   | 163         | 248.25                   | 214         | 1465.83                  | 131               | 1024.67                  |
| State Bank of Mysore                        | 6           | 1.44                     | 12          | 0.52                     | 0           | 0.00                     | 1                 | 0.10                     |
| State Bank of Patiala                       | 15          | 85.50                    | 22          | 96.62                    | 30          | 6.55                     | 14                | 2.25                     |
| State Bank of Travancore                    | 13          | 4.71                     | 5           | 2.44                     | 18          | 51.78                    | 2                 | 0.34                     |
| Syndicate Bank                              | 82          | 111.06                   | 58          | 122.98                   | 141         | 395.75                   | 64                | 157.30                   |
| Tamilnad Mercantile Bank Ltd.               | 13          | 11.03                    | 21          | 45.60                    | 16          | 4.90                     | 6                 | 5.19                     |
| UCO Bank                                    | 47          | 31.92                    | 41          | 227.29                   | 83          | 1410.67                  | 19                | 199.73                   |
| Union Bank of India                         | 70          | 401.92                   | 45          | 80.55                    | 53          | 135.06                   | 48                | 232.13                   |
| United Bank of India                        | 10          | 0.77                     | 52          | 2.23                     | 2           | 0.42                     | 12                | 0.81                     |

Advance related fraud cases of Rs1 lakh and above reported under the heading "Cheating and Forgery"

|              | 2012-13     | 2012-13                  | 2013-14     | 2013-14                  | 2014-15     | 2014-15                  | April 2015- Sep 2015   | April 2015- Sep 2015     |
|--------------|-------------|--------------------------|-------------|--------------------------|-------------|--------------------------|------------------------|--------------------------|
| Bank Name    | No of cases | Amount involved in crore | No of cases | Amount involved in crore | No of cases | Amount involved in crore | No of cases            | Amount involved in crore |
| Vijaya Bank  | 15          | 5.39                     | 28          | 12.14                    | 15          | 24.29                    | 3                      | 1.96                     |
| Yes Bank Ltd | 0           | 0.00                     | 3           | 15.41                    | 0           | 0.00                     | 0                      | 0.00                     |
| Total        | 1482        | 3870.83                  | 1520        | 5591.30                  | 1651        | 11083.12                 | 861                    | 4920.02                  |

## ANNEX-II

| Advance related fraud cases of Rs1 lakh and above reported under the heading "Cheating and Forgery" - Where staff involved   | Advance related fraud cases of Rs1 lakh and above reported under the heading "Cheating and Forgery" - Where staff involved   | Advance related fraud cases of Rs1 lakh and above reported under the heading "Cheating and Forgery" - Where staff involved   | Advance related fraud cases of Rs1 lakh and above reported under the heading "Cheating and Forgery" - Where staff involved   | Advance related fraud cases of Rs1 lakh and above reported under the heading "Cheating and Forgery" - Where staff involved   | Advance related fraud cases of Rs1 lakh and above reported under the heading "Cheating and Forgery" - Where staff involved   | Advance related fraud cases of Rs1 lakh and above reported under the heading "Cheating and Forgery" - Where staff involved   | Advance related fraud cases of Rs1 lakh and above reported under the heading "Cheating and Forgery" - Where staff involved   | Advance related fraud cases of Rs1 lakh and above reported under the heading "Cheating and Forgery" - Where staff involved   |
|------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------|
| Bank Name                                                                                                                    | 2012-13                                                                                                                      | 2012-13                                                                                                                      | 2013-14                                                                                                                      | 2013-14                                                                                                                      | 2014-15                                                                                                                      | 2014-15                                                                                                                      | April 2015- Sep 2015                                                                                                         | April 2015- Sep 2015                                                                                                         |
| Bank Name                                                                                                                    | No of cases                                                                                                                  | Amount involved in crore                                                                                                     | No of cases                                                                                                                  | Amount involved in crore                                                                                                     | No of cases                                                                                                                  | Amount involved in crore                                                                                                     | No of cases                                                                                                                  | Amount involved in crore                                                                                                     |
| Allahabad Bank                                                                                                               | 0                                                                                                                            | 0.00                                                                                                                         | 1                                                                                                                            | 21.89                                                                                                                        | 0                                                                                                                            | 0.00                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         |
| Andhra Bank                                                                                                                  | 0                                                                                                                            | 0.00                                                                                                                         | 1                                                                                                                            | 0.02                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         |
| Axis Bank Ltd.                                                                                                               | 2                                                                                                                            | 1.27                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         | 1                                                                                                                            | 0.06                                                                                                                         | 1                                                                                                                            | 0.28                                                                                                                         |
| Bank of Baroda                                                                                                               | 1                                                                                                                            | 0.15                                                                                                                         | 4                                                                                                                            | 37.08                                                                                                                        | 7                                                                                                                            | 8.58                                                                                                                         | 1                                                                                                                            | 1.50                                                                                                                         |
| Bank of India                                                                                                                | 1                                                                                                                            | 0.10                                                                                                                         | 1                                                                                                                            | 0.15                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         | 3                                                                                                                            | 4.19                                                                                                                         |
| Bank of Maharashtra                                                                                                          | 0                                                                                                                            | 0.00                                                                                                                         | 1                                                                                                                            | 0.16                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         | 2                                                                                                                            | 0.69                                                                                                                         |
| Canara Bank                                                                                                                  | 1                                                                                                                            | 0.98                                                                                                                         | 3                                                                                                                            | 2.33                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         | 1                                                                                                                            | 0.30                                                                                                                         |
| Central Bank of India                                                                                                        | 1                                                                                                                            | 0.07                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         | 1                                                                                                                            | 0.03                                                                                                                         | 2                                                                                                                            | 0.39                                                                                                                         |
| Corporation Bank                                                                                                             | 1                                                                                                                            | 0.05                                                                                                                         | 1                                                                                                                            | 0.10                                                                                                                         | 8                                                                                                                            | 146.43                                                                                                                       | 5                                                                                                                            | 20.43                                                                                                                        |
| Dena Bank                                                                                                                    | 3                                                                                                                            | 8.49                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         |
| Dhanlaxmi Bank Limited                                                                                                       | 0                                                                                                                            | 0.00                                                                                                                         | 4                                                                                                                            | 0.35                                                                                                                         | 1                                                                                                                            | 0.25                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         |
| Federal Bank Ltd.                                                                                                            | 0                                                                                                                            | 0.00                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         | 1                                                                                                                            | 5.15                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         |
| HDFC Bank Ltd.                                                                                                               | 0                                                                                                                            | 0.00                                                                                                                         | 2                                                                                                                            | 0.46                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         | 2                                                                                                                            | 0.97                                                                                                                         |
| IDBI Bank Limited                                                                                                            | 2                                                                                                                            | 32.45                                                                                                                        | 1                                                                                                                            | 34.63                                                                                                                        | 0                                                                                                                            | 0.00                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         |
| Indian Bank                                                                                                                  | 1                                                                                                                            | 0.10                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         |
| Indian Overseas Bank                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         | 1                                                                                                                            | 0.47                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         |
| ING Vysya Bank Ltd.                                                                                                          | 0                                                                                                                            | 0.00                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         | 1                                                                                                                            | 1.25                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         |
| Jammu & Kashmir Bank Ltd.                                                                                                    | 1                                                                                                                            | 0.06                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         |
| Karnataka Bank Ltd.                                                                                                          | 0                                                                                                                            | 0.00                                                                                                                         | 1                                                                                                                            | 0.03                                                                                                                         | 1                                                                                                                            | 9.16                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         |
| KarurVysya Bank Ltd.                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         | 1                                                                                                                            | 0.43                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         |
| Kotak Mahindra Bank Ltd.                                                                                                     | 0                                                                                                                            | 0.00                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         | 1                                                                                                                            | 1.01                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         |
| Oriental Bank of Commerce                                                                                                    | 0                                                                                                                            | 0.00                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         | 1                                                                                                                            | 0.96                                                                                                                         |
| Punjab & Sind Bank                                                                                                           | 0                                                                                                                            | 0.00                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         | 3                                                                                                                            | 0.40                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         |
| Punjab National Bank                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         | 2                                                                                                                            | 1.57                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         | 1                                                                                                                            | 0.53                                                                                                                         |
| Standard Chartered Bank                                                                                                      | 1                                                                                                                            | 6.65                                                                                                                         | 1                                                                                                                            | 0.03                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         |
| State Bank of Bikaner & Jaipur                                                                                               | 0                                                                                                                            | 0.00                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         | 1                                                                                                                            | 0.51                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         |
| State Bank of Hyderabad                                                                                                      | 0                                                                                                                            | 0.00                                                                                                                         | 1                                                                                                                            | 0.48                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         |
| State Bank of India                                                                                                          | 5                                                                                                                            | 0.54                                                                                                                         | 4                                                                                                                            | 12.83                                                                                                                        | 3                                                                                                                            | 1.03                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         |
| State Bank of Travancore                                                                                                     | 0                                                                                                                            | 0.00                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         | 1                                                                                                                            | 2.50                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         |
| Syndicate Bank                                                                                                               | 2                                                                                                                            | 1.59                                                                                                                         | 2                                                                                                                            | 4.62                                                                                                                         | 1                                                                                                                            | 0.14                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         |
| Tamilnad Mercantile Bank Ltd.                                                                                                | 0                                                                                                                            | 0.00                                                                                                                         | 1                                                                                                                            | 4.20                                                                                                                         | 2                                                                                                                            | 2.90                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         |
| UCO Bank                                                                                                                     | 2                                                                                                                            | 1.47                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         | 8                                                                                                                            | 15.64                                                                                                                        | 1                                                                                                                            | 0.33                                                                                                                         |
| Union Bank of India                                                                                                          | 1                                                                                                                            | 2.19                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         | 1                                                                                                                            | 0.06                                                                                                                         |                                                                                                                              | 0.13                                                                                                                         |
| Vijaya Bank                                                                                                                  | 0                                                                                                                            | 0.00                                                                                                                         | 1                                                                                                                            | 0.05                                                                                                                         | 0                                                                                                                            | 0.00                                                                                                                         | 1 0                                                                                                                          | 0.00                                                                                                                         |
| Total                                                                                                                        | 25                                                                                                                           | 56.16                                                                                                                        | 33                                                                                                                           | 121.45                                                                                                                       | 43                                                                                                                           | 195.53                                                                                                                       | 21                                                                                                                           | 30.70                                                                                                                        |