C A R M-15

Branch:NARSIPATNAM

For the month of December 2014

REPORT ON SPECIAL MENTION ACCOUNTS and N P As

EARLY ALERT SYSTEM : IDENTIFICATION OF SPECIAL MENTION ACCOUNTS:
No of Accounts under the category
Developments in the Accounts

1982

Details are to be furnished wherever required

1
2

Whether early alarm signals in the accounts are analysed

and identified as Special Mention Accounts. (Rs. 25 lakhs &
above as per Cir.No.054, Ref.26/4 dt.10.05.2003).
On identification of special mention accounts, whether the
working sheets of SMAs are submitted monthly to
Controlling Offices. (Cir. No. 054, Ref. No.26/4 dated
10.05.2003 and Proforma A, B(i), B(II), C(I) and C(II) of
Head Office Circular Letter No. 666/26 dated 15.03.2004
Whether the branch is undertaking review of Funded &
Non-funded limits so as to prevent the possibility of
accounts slipping into NPA category? (Please examine the
accounts, which are likely to become NPAs and whether
close follow-up is done by the Branch in respect of such
accounts?)
Comment on the branch efforts for preventing the account
from becoming NPA.

yes
Date of sobmission

Yes

Satisfactory

NPAs
1
2
3
4
5
6
7
8
9

Whether the recoveries in NPA accounts are

properly
accounted to Profit and loss a/c?
Whether the branch is following
up effectively for
recovery of NPAs
Whether documents are in force for all the accounts
Whether insurance is in force and adequate
Whether branch initiated action under SARFAESI Act and
action taken within time norms
Amount of recovery made during the month from writtenoff accounts
Comment on the Branch follow - up for recovery of
written off accounts
Whether NPA / PNPA accounts are properly classified
Whether the provisions recommended / held are sufficient

Yes
Yes
Yes
Yes
Yes
yes
Satisfactory
Yes
Yes

10

as per norms of RBI

List out any discrepancy in classification of asset [i.e.
Non-Performing Asset/PNPA]

Nil

Analysis of NPAs / PNPAs

Below Rs. 1 lac

No. Amount
15
5,29.00
1

NPAs
Rs. 1 lac & above
No. Amount
14
247.32

PNPAs
Below Rs. 1 lac
Rs. I lac & above
No. Amount
No.
Amount
-

Recoveries made in NPA Accounts.

1
2

Target for recovery of NPAs for the year Current year

Achievement made till the end of reporting month
30.10.2014
By Recovery
By Up gradation
By Compromise
By Write-Off
TOTAL

Particulars
1
2
3
4
1

Amount
lacs

Outstanding as on 1st April

Less: Recoveries made from 1st April till the end of current
month [cumulative amount]
Add: Additions made from 1st April till the end of current
month [cumulative amount]
Outstanding as at the end of the reporting date
Outstanding Liability as at the end of the month in identified
PNPA accounts - give cumulative figure

Deficiencies observed

2.30
1.30
0.54
0.38
4.54

Branch compliance

Rs.

in

90.38
4.54
691.47
776.33