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Problems of Loan Accounts

Loan Account

Introduction
Guidelines
Procedure
Problems
Do's & Dont's
Grievance
FAQs

Misclassification of Loan Recoveries by DDO’s & TO’s.
Non – confirmation of communication of outstanding.
Excess /Short recovery of interest by the DDO’s.
Poor watching of mortgage of property, insurance & delayed recovery of loan (beyond Moratorium) which attracts penal interest.
The terms and conditions of Institution Loans like, Period of loan, moratorium period if any, number of instalments and amount of each instalment, date of commencement of repayment, rate of interest/penal interest , utilization certificate/Non-drawal certificate & advance stamp certificate and special conditions if any.
Confirmation of balances of institution loans.