SBI

STATE BANK OF INDIA
INTERNAL AUDIT DEPARTMENT, HYDERABAD

ENGAGEMENT OF CHARTERED ACCOUNTANT FIRMS
AS CONCURRENT AUDITORS

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
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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.

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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.

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

Additionally – Concurrent Auditors may be given Rs.500/- p.m. per CIF with fund-based and
non-fund-based exposure of Rs.10 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

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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
process. 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
firms.. 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.

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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.

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ANNEXURE – A
APPLICATION FOR EMPANELMENT OF CHARTERED ACCOUNTANT FIRMS
AS CONCURRENT AUDITORS

1 Name of the Firm

2 Constitution Mobile:
3 Address with PIN Code Landline:
4 Contact Nos. Mobile + Landline + Email 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
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13 Experience of Concurrent Audit with SBI No. of Brs. No. of years
(Please give details with supporting
documents)

14 Experience of Concurrent Audit with PSBs No. of Banks No. of years
(Please give details with supporting
documents)

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: Signature of the applicant with seal
Date: 8
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
RBI.

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
authority.

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.

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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
deals.

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
same.

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
norms.
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
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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
person. 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
prescribed.

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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
guidelines.

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
prescribed.

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.

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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
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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.

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Annexure - C

Address and Contact Details of Circle Audit Offices (CAO)

S. FULL ADDRESS FOR STATE Contact Mobile No. Email id
N CORRESPONDANCE Details

1 The General Manager, Gujarat Sri Raj Kumar 8800102266 Wbcas.caognr@s
State Bank of India Tiwari bi.co.in
Circle Audit Office, gm.ziognr@sbi.co.
Administrative Office in
Building, 6th Floor, Sec-
10B,
GANDHINAGAR-
382010

2 The General Manager, Andhra Pradesh Sri K Srinivasa 8886775201 agmwebcas.ziovij

State Bank of India Rao @sbi.co.in

Circle Audit Office, gm.ziovij@sbi.co.i

Door No. 48-13-3-1/B n

VIJAYAWADA.

First Floor, CNR

Complex,

Near Ayush Hospital

Sri Ramachandranagar,

VIJAYAWADA - 520008

3 The General Manager, Karnataka Sri R. Nagesh 9448995569 agmwbcas.caoban
State Bank of India @sbi.co.in
Circle Audit Office, gm.caoban@sbi.c
o.in
7th Floor, dgm.caoban@sbi.
co.in
State Bank Building,
Mysore Bank Circle,
K G Road,
BENGALURU - 560009

4 The General Manager, Madhya Pradesh Sri Pankaj 7389915551 agmwbcas.ziobho
9993538494 @sbi.co.in
State Bank of India & Chhatisgarh Goel gm.ziobho@sbi.co
.in
Circle Audit Office,

SBI Complex, Opposite

Central School No.-1,

Arera Mills,

BHOPAL - 462011

5 The General Manager, Orissa Sri Shantanu 8118050433 agmwbcas.caobhu
State Bank of India Kumar @sbi.co.in
Circle Audit Office,
Creative Plaza (Ist Floor) gm.ziobhu@sbi.co
, RASULGARH CHOWK, .in
N.H.5,
BHUBANESWAR-
751010

15
6 The General Manager, Punjab, Haryana, Sri Kuldeepak 8837876827 webcas.ziochd@s

State Bank of India Chandigarh, Katyal bi.co.in

Circle Audit Office, Jammu & gm.ziochd@sbi.co

SBLC Building, II nd Kashmir, .in

Floor, Sec- 14, Himachal

Panchkula, Pradesh

CHANDIGARH- 134113

7 The General Manager, Tamil Nadu Sri N. Lalith 7337262462 agmcas.zioche@s
State Bank of India Kumar bi.co.in
Circle Audit Office,
157, 8th. Floor, gm.zioche@sbi.co
State Bank Building, .in
Anna Salai,
CHENNAI- 600002

8 The General Manager, 1. Delhi Shri Joginder 9729875534 cmwbcas.ziondl@

State Bank of India 2. Uttarakhand Singh Wadhwa sbi.co.in

Circle Audit Office, 3. Gurugram,

3rd Floor, LCPC Building, Sonepat and gm.ziondl@sbi.co.

B-16, Sector-62, Faridabad in

NOIDA – 201 307 Districts of

(UP) Haryana.

4. Agra, Aligarh,

Bhagpat,

Bulandshahar,

Etah,

Firozabad,

GautamBudh

Nagar,

Ghaziabad,

Hathras, Kanshi

Ram Nagar,

Mainpuri,

Mathura,

Meerut,

Muzaffarnagar,

Panchsheel

Nagar (Hapur),

Prabuddha

Nagar (Shamli)

& Saharanpur

Districts of

Uttar Pradesh.

9 The General Manager, Telangana Shri C. 9000333811 agmwbcas.ziohyd
State Bank of India Sahasranama @sbi.co.in
Circle Audit Office m
HYDERABAD gm.ziohyd@sbi.co
2nd Floor, CMP .in
Building, Survey No.
26, Opp. Hyderabad
Central University,

16
Lingampally P.O.
HYDERABAD- 500019

10 The General Manager, Rajasthan Shri Yogendra 82838360088 agmwbcas.ziojai@
State Bank of India
Circle Audit Office Kumar Sharma sbi.co.in
JAIPUR
CENTRAL SPINE, gm.ziojai@sbi.co.i
SECTOR-7 n
VIDYADHAR NAGAR,
JAIPUR-302023

11 The General Manager, West Bengal Sri Sbrata 9674713024 agmwbcas.ziokol
State Bank of India Mitra @sbi.co.in
Circle Audit Office,
Kankaria Centre (Ist gm.ziokol@sbi.co.i
Floor), n
2/1, Russel Street,
KOLKATA- 700071.

12 The General Manager, Uttar Pradesh Shri Pratyush 7234009002 agmwebcas.zioluc
State Bank of India (Excluding areas Mehrotra @sbi.co.in
Circle Audit Office mentioned under
C.P.-42, SAI Tower, Delhi) gm.zioluc@sbi.co.i
Sector-E, Janakipuram, n
LUCKNOW (U.P.) -
226 021

13 The General Manager, Maharashtra Shri Sunil 7387898200 agmwbcas.ziopun
State Bank of India & Goa Kulkarni e@sbi.co.in
Circle Audit Office
3rd Floor, Tara gm.ziopune@sbi.c
chambers, Old Mumbai- o.in
Pune Road,
Wakadewadi, dgm.caopune@sbi
PUNE -411003 .co.in

14 The General Manager, Assam Shri Nicholas 9402506982 agmwbcas.caogu
K w@sbi.co.in
State Bank of India Meghalaya
gm.zioguw@sbi.c
Circle Audit Office, Manipur o.in

2ND Floor, Bakshish Arunachal

Plaza, Pradesh

Lokhra Road, Kalapahar, Nagaland

GUWAHATI- 781018 Mizoram

ASSAM Tripura

17
15 The General Manager, Bihar Shri Tanmay 9155596199 agmwbcas.ziopat
State Bank of India Jharkhand Pawan @sbi.co.in
Circle Audit Office Malachi.
Sone Bhawan, 5th Floor Kerala gm.ziopat@sbi.co.
Bir Chand Patel Marg in
R-Block,
PATNA - 800001 Mr. V. Ajit 9895172544 agmwbcas.caotri
Kumar @sbi.co.in
16 The General Manager,
State Bank of India gm.ziotri@sbi.co.i
Circle Audit Office n
3rd Floor, SBI Building,
SS Kovil Road,
Thampanoor,
THIRUVANANTHAPUR
AM - 695 001
KERALA

18
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
Annexure-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.

19
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
unit. 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.

20
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: Signature of the applicant with seal
Date:

21
ANNEXURE- E

PENALTY CLAUSES

SN Coverage Scope of work Quantum of Penalty to be
Area expected from Measurement imposed (For
Service Provider /CA Service Provider

Firm / CA Firm)

1. Attendance at Attending branch/unit Days of Absence Twice the

the Work on daily basis, by in a month in proportionate

Area. Representative of the attending the remuneration of

Service Provider / CA branch/unit. the month on a

Firm, and 2-3 times a (i) by the pro-rata basis for

week by the Partner of representative of the days of

the Firm. the Service absence.

Provider / Firm or Eg.30 days in a

(ii) by the Partner month;

of the Firm Remuneration of

Rs.30000/-p.m.

with an absence of

2days: Penalty to

be charged:

Rs.2000x2=

Rs.4000.

2. Detection of On a day to day basis Non-detection/ For Non-

Income income leakage, if any non-reporting / detection/ non-

Leakage detected, to be short recovery of reporting: 1% of

reported. income leakage the amount, in the

from the date it area of income

becomes due Leakage not

within a period of 2 detected/

weeks. The reported. i.e.

penalty to be (i) Processing Fee

levied is on (ii) Upfront Fee

account of (iii) BG/LC Comm.

opportunity loss (iv) Locker rent

for the Bank. etc.,

(Overall cap for

both not to exceed

20% of monthly

remuneration).

Eg. Processing

Fee of Rs. 1 lac. is

identified by an

22
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 Timely detection of Non detection of Rs.250/- per major

Major major lacunae. major lacunae as lacunae in an

lacunae in the enumerated in the account with a

conduct of the CRM Value maximum penalty

account, Statements of of 5% of monthly

systems & WBCAS. remuneration.

procedures

etc.,

4. Failure to Detection/ Reporting of Non detection/ not 10% of monthly

comment on Fraud. reporting of Fraud remuneration per

Frauds, which arising on account instance, with a

may cause of failure in cap of 25% of

loss to the implementation of monthly

Bank. systems & remuneration.

procedures and

security lapses.

5. Detailed Detailed Scrutiny of Detailed scrutiny Rs.250/ per

Scrutiny of Accounts within a of accounts by account with an

Accounts and reasonable time and commenting as overall cap of 5%

submission of submission of per Value of the monthly

observations. observations online on Statements remuneration.

a daily basis. mentioned in

WBCAS, if not

done:

Eg. All accounts

within 3 months

and thereafter

once, at the time of

renewal/ review/

new sanction;

23
6. Submission Monthly Reports to be Non submission Non-

of Monthly / submitted within a as per schedule. Submission: 10%

Qly. week of the of Audit Fee p.m.

Concurrent succeeding month to Non submission

Audit Reports the BM/Head of the by over 3

(Annexure-V, Unit. Thereafter, with months:

VI& VII as their remarks to Termination of the

available in RM/DGM (BO) within Contract giving

SBIeTHIC) to 2nd week of the one month’s

the BM/ Head succeeding month of notice.

of the report. Delayed

Unit/AGM Submission:

(Audit)/ Rs.250/ per day till

GM(NW) etc. submission.

a (With an overall

cap of 10% of

monthly

remuneration

p.m.)

7. Unacceptable Should be done in Identified areas of Termination of

delay in the accordance with the deficiency in Contract, by giving

performance time schedule performance: a month’s notice,

of obligations. specified in the (i) Partner’s not as per Service

Agreement. attending branch/ Level Agreement

unit 2-3 times a (SLA).

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.

8 Overall Should adhere to the Nodal Officers If the performance

Performance Bank’s instructions from the ZIOs and of the Concurrent

of the while performing Audit RFIA Auditors Auditor is rated

Concurrent duties and function in perform surprise “Average” or

Auditor accordance with the checks by visiting “Below Average”

the Concurrent for TWO

24
Concurrent Audit Audit Branches consecutive Half

Policy and manual. once in a Half Year Years, the

and verify the Contract

performance of Agreement shall

Concurrent be reviewed/

Auditors by reconsidered, and

selecting some Contract may also

sample Accounts. be terminated as

Based on the per the terms and

reports by the conditions in the

visiting officials SLA.ICAI will also

I&MA/ZIO will rate be advised in this

the CAs. regard.

25
LIST OF TENTATIVE VACANCIES AT BRANCHES / CENTRES

SL Br Branch Name CAO CENTRE NAME
NO code

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 MANIPAL 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

26
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 TAMBARAM 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
WADHWAN (DIST:
5744 GIDC WADHWAN Gandhinagar SURENDRANAGAR)
86 Gandhinagar AHMEDABAD
87 6926 COMMERCIAL BRANCH AHMEDABAD Gandhinagar SACHIN (DIST:SURAT)
88 9120 G I D C SACHIN Gandhinagar MORBI
89 10191 SME MORVI Gandhinagar VAPI (DIST: VALSAD)
90 11029 SPECIALISED COMMERCIAL BRANCH VAPI Gandhinagar GANDHINAGAR
91 12700 INFO CITY, GANDHINAGAR Gandhinagar JUNAGADH
92 13206 RASMECC CUM SARC JUNAGADH Gandhinagar GANDHINAGAR
93 13476 TRIMANDIR ADALAJ Gandhinagar ANAND
94 13478 NRI BRANCH ANAND

27
95 15802 SMECCC BHAVNAGAR Gandhinagar BHAVNAGAR
Gandhinagar NAVSARI
96 16287 SPECIALISED NRI BRANCH NAVSARI Gandhinagar SURAT
Gandhinagar MEHSANA
97 18952 SP NRI BRANCH SURAT Gandhinagar MAHUVA (DIST:BHAVNAGAR)
Gandhinagar JAMNAGAR
98 31755 College Road Mehsana Gandhinagar RAJKOT
Gandhinagar MORBI
99 60012 DARBARGADH MAHUA Gandhinagar VADODARA
Gandhinagar AHMEDABAD
100 60087 JAMNAGAR D P Gandhinagar BHAVNAGAR
Gandhinagar AHMEDABAD
101 60344 SME GONDAL ROAD RAJKOT Gandhinagar VADODARA
Gandhinagar RAJKOT
102 60376 SSI, SHANALA ROAD, MORBI Gandhinagar MAHUVA (DIST:BHAVNAGAR)
Gandhinagar BHAVNAGAR
103 60387 VADODARA SSI Golaghat
Guwhati Shillong
104 60399 C G ROAD BRANCH Guwhati Guwahati
Guwhati Guwahati
105 60921 RASECC BHAVNAGAR Guwhati Guwahati
Guwhati Guwahati
106 61132 RACPC, ASHRAM ROAD, AHMEDABAD Guwhati Guwahati
Guwhati Jorhat
107 63751 SME NATUBHAI CIRCLE BRANCH Guwhati Guwahati
Guwhati Guwahati
108 63758 SME BRANCH RAJKOT Guwhati Jorhat
Guwhati Guwahati
109 63759 SME BRANCH MAHUVA Guwhati Guwahati
Guwhati HYDERABAD
110 63762 SME BRANCH BHAVNAGAR Hyderabad HYDERABAD
Hyderabad HYDERABAD
111 83 Golaghat Hyderabad HYDERABAD
Hyderabad HYDERABAD
112 181 Shillong Hyderabad HYDERABAD
Hyderabad HYDERABAD
113 3232 Naharlagun Hyderabad HYDERABAD
Hyderabad HYDERABAD
114 4418 CB Guwahati Hyderabad HYDERABAD
Hyderabad HYDERABAD
115 4471 C Pension Proc Centre Guwahati Hyderabad HYDERABAD
Hyderabad HYDERABAD
116 4488 RACPC Guwahati Hyderabad HYDERABAD
Hyderabad HYDERABAD
117 4488 RACPC Guwahati Hyderabad WARANGAL
Hyderabad HYDERABAD
118 5320 Manipur University Campus Hyderabad HYDERABAD
Hyderabad NIZAMABAD
119 9945 Khanpara Hyderabad HYDERABAD
Hyderabad
120 10389 CCPC Guwahati 28

121 11160 RASMEC Johrat

122 12259 G S Road Guwahati

123 15150 Liabiltiy Central Processing Centre Guwahati

124 1921 OVERSEAS BRANCH HYDERABAD

125 3098 NACHARAM SME BR. HYDERABAD

126 4071 NRI BRANCH HYDERABAD

127 4168 COMMERCIAL BRANCH HYDERABAD

128 4187 HI-TEC CITY BRANCH MADHAPUR

129 4266 CMPOC HYDERABAD

130 5055 TRADE FINANCE CPC HYDERABAD

131 9103 IFB HYDERABAD

132 10104 SME HYDERABAD

133 10476 CCPC HYDERABAD

134 13039 CCG BRANCH HYDERABAD

135 13765 KOHINOOR BANJARA PREMIUM BANKING CENTRE

136 15330 RACPC MADHAPUR

137 17894 RACPC HIMAYATNAGAR HYDERABAD

138 20076 SANATHNAGAR HYDERABAD

139 20149 NIT Warangal

140 20537 EDDU MAILARAM ORDNANCE FACTORY

141 20684 SME BRANCH SOMAJUGUDA

142 21088 RASMECCC NIZAMABAD

143 21118 R A C P C BANJARA HILLS
144 21118 R A C P C BANJARA HILLS Hyderabad HYDERABAD
Hyderabad HYDERABAD
145 21122 S M E C C HYDERABAD Hyderabad KHAMMAM
JAIPUR
146 22005 RASMECCC KHAMMAM Jaipur JODHPUR
Jaipur UDAIPUR
147 744 SME BR JAIPUR SOUTH Jaipur JAIPUR
Jaipur JAIPUR
148 4081 SME JODHPUR Jaipur SILIGURI
Kolkata BURDWAN
149 31209 CHETAK CIRCLE UDAIPUR Kolkata SOUTH24 PARGANAS
Kolkata KOLKATA
150 31510 JAIPUR TILAK MARG Kolkata KOLKATA
Kolkata KOLKATA
151 31878 CPPC JAIPUR Kolkata KOLKATA
Kolkata KOLKATA
152 63 DARJEELING Kolkata HOWRAH
Kolkata HOWRAH
153 74 DURGAPUR(DISTT BURDWAN) Kolkata burdwan
Kolkata KOLKATA
154 156 PORT BLAIR Kolkata South 24Parganas
Kolkata BIDHANNAGAR
155 1054 CHOWRINGHEE Kolkata South 24Parganas
Kolkata South 24Parganas
156 4288 SME EXIM BRANCH KOLKATA Kolkata South 24Parganas
Kolkata KANPUR
157 5052 TFCPC-KOLKATA Lucknow LUCKNOW
Lucknow AMETHI
158 5237 LCPC KOLKATA Lucknow LUCKNOW
Lucknow ALLAHABAD
159 6284 NRI BRANCH KOLKATA Lucknow LUCKNOW
Lucknow NAINITAL
160 10263 RACPC HOWRAH New Delhi DELHI
New Delhi DELHI
161 10263 RACPC HOWRAH New Delhi SAHARANPUR
New Delhi GHAZIABAD
162 10266 RASMEC DURGAPUR New Delhi DELHI
New Delhi NOIDA
163 14523 KOLKATA HIGH COURT SPB BRANCH New Delhi DELHI
New Delhi DELHI
164 15743 SMECC BALLYGUNGE New Delhi DELHI
New Delhi DELHI
165 15745 SMECCC BIDHANNAGAR KOLKATA New Delhi GHAZIABAD
New Delhi FARIDABAD
166 16286 RACPC SOUTH KOLKATA New Delhi GHAZIABAD
New Delhi DEHRADUN
167 16286 RACPC SOUTH KOLKATA New Delhi DELHI
New Delhi DELHI
168 50271 KOLKATA CAMAC STREET New Delhi NOIDA
New Delhi
169 107 Kanpur Main Branch, Kanpur 29

170 4491 RACPC Lucknow

171 8069 Korwa

172 15194 Specialized NRI Branch, Lucknow

173 17613 Specialized NRI Branch, Allahabad

174 18632 HAL Indira Nagar, Lucknow

175 687 NAINITAL

176 727 SME BRANCH OKHLA I. E. N DELHI

177 1067 DELHI UNIVERSITY

178 1361 SME RAILWAY ROAD, SAHARANPUR

179 3066 MAHARAJPUR

180 3786 SME NARAINA IND AREA

181 4077 SME SECTOR-18 NOIDA

182 4298 CB NEHRU PLACE, NEW DELHI

183 4499 SMECCC DELHI

184 5235 LCPC NOIDA

185 5714 SME BRANCH WAZIRPUR IND ESTATE

186 9298 SME NAVYUG Market GHZ

187 9950 SME FARIDABAD

188 10049 RACPC GHAZIABAD

189 10161 SMECCC DEHRADUN

190 10553 UDYOG SADAN

191 13913 SME BRANCH SOUTH EXT. DELHI

192 14702 RACPC CUM SARC, 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 MUZAFFARPUR
202 4493 RACPC,PATNA Patna PATNA
203 6449 SME GIRIDIH Patna GIRIDIH
204 6541 SME DHANBAD Patna DHANBAD
205 10015 RASMECC BOKARO Patna BOKARO
206 10022 RACPC,RANCH Patna RANCHI
207 10022 RACPC RANCH Patna RANCHI
208 16231 NRI PATNA Patna PATNA
209 303 AHMEDNAGAR Patna 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
Pune
30
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 NANDYAL Vijayawada NANDYAL
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

31
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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