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	with SMTP id 1790659369384708.8805380754909; Tue, 29 Sep 2026 10:52:49 +0530 (IST)
Date: Tue, 29 Sep 2026 10:52:49 +0530
From: Sudarshan Patil <sudarshan.patil@spandanasphoorty.com>
To: "Parful Taware" <parfulsambhaji.taware@spandanasphoorty.com>
Cc: "Vinod Goswami" <vinod.puri@spandanasphoorty.com>,
	"Aniket Chiparge" <aniket.ajit@spandanasphoorty.com>
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Subject: =?UTF-8?Q?Re:_Fwd:_Re:=C2=A0Non_Financial_cases_Pending?=
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close as per RH recommendation






From: Parful Taware <parfulsambhaji.taware@spandanasphoorty.com>
To: "Sudarshan Patil"<sudarshan.patil@spandanasphoorty.com>
Cc: "Vinod Goswami"<vinod.puri@spandanasphoorty.com>, "Aniket Chiparge"<ani=
ket.ajit@spandanasphoorty.com>
Date: Tue, 29 Sep 2026 10:36:41 +0530
Subject: Fwd: Re:=C2=A0Non Financial cases Pending



Dear Sir,

=C2=A0

Please find 01=C2=A0non-financial=C2=A0cases final decision , I have collec=
ted from concern VPs , please need to provide your approval to take further=
 actions.













Type of
  Complaint

Case Nature

Employee Code

Name of the Staff
  Involved

Employee
  Designation

Department

Branch Code

Branch Name

Actual Fraud
  Branch Code

Actual Fraud
  Branch Name

Area

Region

Charges or
  Allegation

Date of Incident

Date of
  Identification

Is Rakshak

Raised By
  Employee ID

Raised By
  Employee Name

Raised by
  Employee Department

Final
  Recommendation


Non-Financial

Process
  lapse

SF0045822

Shivraj
  Hajeri

Branch
  Manager

Operations

MRGL0688

Kolhapur

MRGL0688

Kolhapur

Kolhapur

Pune

During a sample-based
  verification of the E-Sign Loan Disbursement process, it was observed tha=
t
  the borrower's live photographs were not captured during the Group
  Recognition Test (GRT) Instead of, photographs previously captured on a
  mobile phone Gallery were uploaded by the Branch Manager and LO's in the =
FIMO
  application for HV and GRT verification

29-Jun-26

########

No

SF0097792

Aniket
  Ajit Chiparge

Operations

Verbal
  Warning


=C2=A0


Sr. No. Center Name Group Name Customer Name Form NO / BAR code Loan ID
  Client Type HV Date GRT Date Disbursed Date Loan Amoun


=C2=A0


1 59925 700381 LAXMI SHIVAJI SONTAKKE LOS7728444 360715464 New
  29-Jun-26 29-Jun-26 29-Jun-26 60,000.00


=C2=A0


2 59925 700381 LAXMI SUBHASH DAVALE LOS7727871 360714237 New 29-Jun-26
  29-Jun-26 29-Jun-26 60,000.00


=C2=A0




Parful Sambhaji Taware

Manager | Human Resources | MH
 M: 9960384865
 Spandana Sphoorty Financial Limited
 H. No. 624/B1, 1st=C2=A0Floor, Near Samarth Society, Bakul Nagar, Bibwewad=
i, Pune, MH=C2=A0=E2=80=93 411037=20








=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D Forwarded message =3D=3D=3D=3D=3D=3D=
=3D=3D=3D=3D=3D=3D
From: Aniket Chiparge < mailto:aniket.ajit@spandanasphoorty.com >
To: < mailto:parfulsambhaji.taware@spandanasphoorty.com >
Cc: < mailto:sumit.chandanshive@spandanasphoorty.com >, < mailto:sudarshan.=
patil@spandanasphoorty.com >, < mailto:vinod.puri@spandanasphoorty.com >
Date: Tue, 29 Sep 2026 10:28:47 +0530
Subject: Re:=C2=A0Non Financial cases Pending
=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D Forwarded message =3D=3D=3D=3D=3D=3D=
=3D=3D=3D=3D=3D=3D



Dear Sir,



Verbal warning given to the concern BM Sir.



It won't be happen again.








Aniket Ajit Chiparge

Regional Head | Operations
MOB : 7972756025
Spandana Sphoorty Financial Limited
Galaxy Wing B, 16th Floor, Opp IKEA, Hyderabad - 500081
https://spandanasphoorty.com/ =C2=A0 https://www.linkedin.com/company/21568=
2/ =C2=A0 https://www.facebook.com/profile.php?id=3D100088770888545 =C2=A0 =
https://www.instagram.com/spandanasphoorty__/ =C2=A0 https://twitter.com/SS=
phoorty =C2=A0 https://www.youtube.com/@Spandana../featured=20





Integrity |=C2=A0Collaboration |=C2=A0Agility |=C2=A0Receptiveness |=C2=A0E=
mpathy








---- On Tue, 29 Sep 2026 09:50:19 +0530 mailto:parfulsambhaji.taware@spanda=
nasphoorty.com   wrote ----







Dear Aniket Sir,


there is only 01 non-financial=C2=A0cases are pending for Pune, please give=
 your recommendation so we can take final approval.







Type of Complaint

Case Nature

Employee Code

Name of the Staff Involved

Employee Designation

Department

Branch Code

Branch Name

Actual Fraud Branch Code

Actual Fraud Branch Name

Area

Region

Charges or Allegation

Date of Incident

Date of Identification

Is Rakshak

Raised By Employee ID

Raised By Employee Name

Raised by Employee Department

Final Recommendation


Non-Financial

Process lapse

SF0045822

Shivraj Hajeri

Branch Manager

Operations

MRGL0688

Kolhapur

MRGL0688

Kolhapur

Kolhapur

Pune

During a sample-based verification of the E-Sign Loan Disbursement process,=
 it was observed that the borrower's live photographs were not captured dur=
ing the Group Recognition Test (GRT) Instead of, photographs previously cap=
tured on a mobile phone Gallery were uploaded by the Branch Manager and LO'=
s in the FIMO application for HV and GRT verification



Sr. No. Center Name Group Name Customer Name Form NO / BAR code Loan ID Cli=
ent Type HV Date GRT Date Disbursed Date Loan Amoun

1 59925 700381 LAXMI SHIVAJI SONTAKKE LOS7728444 360715464 New 29-Jun-26 29=
-Jun-26 29-Jun-26 60,000.00

2 59925 700381 LAXMI SUBHASH DAVALE LOS7727871 360714237 New 29-Jun-26 29-J=
un-26 29-Jun-26 60,000.00


29-Jun-2026

18-Sep-2026

No

SF0097792

Aniket Ajit Chiparge

Operations

=C2=A0














Parful Sambhaji Taware

Manager | Human Resources | MH
 M: 9960384865
 Spandana Sphoorty Financial Limited
 H. No. 624/B1, 1st=C2=A0Floor, Near Samarth Society, Bakul Nagar, Bibwewad=
i, Pune, MH=C2=A0=E2=80=93 411037=20








From: Parful Taware < mailto:parfulsambhaji.taware@spandanasphoorty.com >
To: "Sumit Chandanshive"< mailto:sumit.chandanshive@spandanasphoorty.com >,=
 "Aniket Chiparge"< mailto:aniket.ajit@spandanasphoorty.com >
Cc: "Sudarshan Patil"< mailto:sudarshan.patil@spandanasphoorty.com >, "Vino=
d Goswami"< mailto:vinod.puri@spandanasphoorty.com >
Date: Mon, 28 Sep 2026 16:35:51 +0530
Subject: Re: Non Financial cases Pending



Dear Sir,


there is only 01 non-financial=C2=A0cases are pending for Pune, please give=
 your recommendation so we can take final approval.







Type of Complaint

Case Nature

Employee Code

Name of the Staff Involved

Employee Designation

Department

Branch Code

Branch Name

Actual Fraud Branch Code

Actual Fraud Branch Name

Area

Region

Charges or Allegation

Date of Incident

Date of Identification

Is Rakshak

Raised By Employee ID

Raised By Employee Name

Raised by Employee Department

Final Recommendation


Non-Financial

Process lapse

SF0045822

Shivraj Hajeri

Branch Manager

Operations

MRGL0688

Kolhapur

MRGL0688

Kolhapur

Kolhapur

Pune

During a sample-based verification of the E-Sign Loan Disbursement process,=
 it was observed that the borrower's live photographs were not captured dur=
ing the Group Recognition Test (GRT) Instead of, photographs previously cap=
tured on a mobile phone Gallery were uploaded by the Branch Manager and LO'=
s in the FIMO application for HV and GRT verification



Sr. No. Center Name Group Name Customer Name Form NO / BAR code Loan ID Cli=
ent Type HV Date GRT Date Disbursed Date Loan Amoun

1 59925 700381 LAXMI SHIVAJI SONTAKKE LOS7728444 360715464 New 29-Jun-26 29=
-Jun-26 29-Jun-26 60,000.00

2 59925 700381 LAXMI SUBHASH DAVALE LOS7727871 360714237 New 29-Jun-26 29-J=
un-26 29-Jun-26 60,000.00


29-Jun-2026

18-Sep-2026

No

SF0097792

Aniket Ajit Chiparge

Operations

=C2=A0








Parful Sambhaji Taware

Manager | Human Resources | MH
 M: 9960384865
 Spandana Sphoorty Financial Limited
 H. No. 624/B1, 1st=C2=A0Floor, Near Samarth Society, Bakul Nagar, Bibwewad=
i, Pune, MH=C2=A0=E2=80=93 411037=20








From: Parful Taware < mailto:parfulsambhaji.taware@spandanasphoorty.com >
To: "Aniket Chiparge"< mailto:aniket.ajit@spandanasphoorty.com >
Cc: "Sudarshan Patil"< mailto:sudarshan.patil@spandanasphoorty.com >, "Vino=
d Goswami"< mailto:vinod.puri@spandanasphoorty.com >
Date: Mon, 28 Sep 2026 10:50:22 +0530
Subject: Non Financial cases Pending



Dear Sir,


there is only 01 non-financial=C2=A0cases are pending, please give your rec=
ommendation so we can take final approval.







Type of
  Complaint

Case Nature

Employee Code

Name of the Staff
  Involved

Employee
  Designation

Department

Branch Code

Branch Name

Actual Fraud
  Branch Code

Actual Fraud
  Branch Name

Area

Region

Charges or
  Allegation

Date of Incident

Date of
  Identification

Is Rakshak

Raised By
  Employee ID

Raised By
  Employee Name

Raised by
  Employee Department

Final
  Recommendation


Non-Financial

Process lapse

SF0045822

Shivraj Hajeri

Branch Manager

Operations

MRGL0688

Kolhapur

MRGL0688

Kolhapur

Kolhapur

Pune

During a sample-based
  verification of the E-Sign Loan Disbursement process, it was observed tha=
t
  the borrower's live photographs were not captured during the Group
  Recognition Test (GRT) Instead of, photographs previously captured on a
  mobile phone Gallery were uploaded by the Branch Manager and LO's in the =
FIMO
  application for HV and GRT verification



Sr. No.=09Center Name=09Group Name=09Customer Name=09Form NO / BAR code=09L=
oan
  ID=09Client Type=09HV Date=09GRT Date=09Disbursed Date=09Loan Amoun

1=0959925=09700381=09LAXMI SHIVAJI
  SONTAKKE=09LOS7728444=09360715464=09New=0929-Jun-26=0929-Jun-26=0929-Jun-=
26=0960,000.00

2=0959925=09700381=09LAXMI SUBHASH
  DAVALE=09LOS7727871=09360714237=09New=0929-Jun-26=0929-Jun-26=0929-Jun-26=
=0960,000.00


29-Jun-2026

18-Sep-2026

No

SF0097792

Aniket Ajit Chiparge

Operations

=C2=A0






Parful Sambhaji Taware

Manager | Human Resources | MH
 M: 9960384865
 Spandana Sphoorty Financial Limited
 H. No. 624/B1, 1st=C2=A0Floor, Near Samarth Society, Bakul Nagar, Bibwewad=
i, Pune, MH=C2=A0=E2=80=93 411037
------=_Part_6822889_875877467.1790659369295
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	boundary="----=_Part_6822890_1335542401.1790659369317"

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Content-Transfer-Encoding: quoted-printable

<!DOCTYPE html PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN"><html><head>=
<meta content=3D"text/html;charset=3DUTF-8" http-equiv=3D"Content-Type"></h=
ead><body ><div style=3D"font-family: Verdana, Arial, Helvetica, sans-serif=
; font-size: 10pt;"><div>close as per RH recommendation</div><div><br></div=
><div class=3D"zmail_extra_hr" style=3D"border-top: 1px solid rgb(204, 204,=
 204); height: 0px; margin-top: 10px; margin-bottom: 10px; line-height: 0px=
;"><br></div><div class=3D"zmail_extra" data-zbluepencil-ignore=3D"true"><d=
iv><br></div><div id=3D"Zm-_Id_-Sgn1">From: Parful Taware &lt;parfulsambhaj=
i.taware@spandanasphoorty.com&gt;<br>To: "Sudarshan Patil"&lt;sudarshan.pat=
il@spandanasphoorty.com&gt;<br>Cc: "Vinod Goswami"&lt;vinod.puri@spandanasp=
hoorty.com&gt;, "Aniket Chiparge"&lt;aniket.ajit@spandanasphoorty.com&gt;<b=
r>Date: Tue, 29 Sep 2026 10:36:41 +0530<br>Subject: Fwd: Re:&nbsp;Non Finan=
cial cases Pending<br></div><div><br></div><blockquote id=3D"blockquote_zma=
il" style=3D"margin: 0px;"><div><div style=3D"font-family: Verdana, Arial, =
Helvetica, sans-serif; font-size: 10pt"><p class=3D"x_1440976238elementtopr=
oof" style=3D"margin: 0cm; font-style: normal; font-weight: 400; letter-spa=
cing: normal; orphans: 2; text-indent: 0px; text-transform: none; widows: 2=
; word-spacing: 0px; white-space: normal; background-image: initial; backgr=
ound-position: initial; background-size: initial; background-repeat: initia=
l; background-attachment: initial; background-origin: initial; background-c=
lip: initial;"><span class=3D"highlight" style=3D"background-color:white"><=
span class=3D"colour" style=3D"color:rgb(0, 0, 0)"><span class=3D"font" sty=
le=3D"font-family:Aptos, sans-serif"><span class=3D"size" style=3D"font-siz=
e: 12pt; margin: 0cm; font-style: normal; font-weight: 400; letter-spacing:=
 normal; orphans: 2; text-indent: 0px; text-transform: none; widows: 2; wor=
d-spacing: 0px; white-space: normal; background-image: initial; background-=
position: initial; background-size: initial; background-repeat: initial; ba=
ckground-attachment: initial; background-origin: initial; background-clip: =
initial;"><span class=3D"colour" style=3D"color:black"><span class=3D"font"=
 style=3D"font-family:Calibri, sans-serif"><span class=3D"size" style=3D"fo=
nt-size:11pt">Dear Sir,</span></span></span><br></span></span></span></span=
></p><p class=3D"x_1440976238elementtoproof" style=3D"margin: 0cm; font-sty=
le: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-inde=
nt: 0px; text-transform: none; widows: 2; word-spacing: 0px; white-space: n=
ormal; background-image: initial; background-position: initial; background-=
size: initial; background-repeat: initial; background-attachment: initial; =
background-origin: initial; background-clip: initial;"><span class=3D"highl=
ight" style=3D"background-color:white"><span class=3D"colour" style=3D"colo=
r:rgb(0, 0, 0)"><span class=3D"font" style=3D"font-family:Aptos, sans-serif=
"><span class=3D"size" style=3D"font-size: 12pt; margin: 0cm; font-style: n=
ormal; font-weight: 400; letter-spacing: normal; orphans: 2; text-indent: 0=
px; text-transform: none; widows: 2; word-spacing: 0px; white-space: normal=
; background-image: initial; background-position: initial; background-size:=
 initial; background-repeat: initial; background-attachment: initial; backg=
round-origin: initial; background-clip: initial;"><span class=3D"colour" st=
yle=3D"color:black"><span class=3D"font" style=3D"font-family:Calibri, sans=
-serif"><span class=3D"size" style=3D"font-size:11pt">&nbsp;</span></span><=
/span><br></span></span></span></span></p><p class=3D"x_1440976238elementto=
proof" style=3D"margin: 0cm; font-style: normal; font-weight: 400; letter-s=
pacing: normal; orphans: 2; text-indent: 0px; text-transform: none; widows:=
 2; word-spacing: 0px; white-space: normal; background-image: initial; back=
ground-position: initial; background-size: initial; background-repeat: init=
ial; background-attachment: initial; background-origin: initial; background=
-clip: initial;"><span class=3D"highlight" style=3D"background-color:white"=
><span class=3D"colour" style=3D"color:rgb(0, 0, 0)"><span class=3D"font" s=
tyle=3D"font-family:Aptos, sans-serif"><span class=3D"size" style=3D"font-s=
ize: 12pt; margin: 0cm; font-style: normal; font-weight: 400; letter-spacin=
g: normal; orphans: 2; text-indent: 0px; text-transform: none; widows: 2; w=
ord-spacing: 0px; white-space: normal; background-image: initial; backgroun=
d-position: initial; background-size: initial; background-repeat: initial; =
background-attachment: initial; background-origin: initial; background-clip=
: initial;"><span class=3D"colour" style=3D"color:black"><span class=3D"fon=
t" style=3D"font-family:Calibri, sans-serif"><span class=3D"size" style=3D"=
font-size:11pt">Please find 01<span>&nbsp;</span>non-financial<span>&nbsp;<=
/span>cases final decision , I have collected from concern VPs , please nee=
d to provide your approval to take further actions.</span></span></span><br=
></span></span></span></span></p><div><br></div><div><br></div><table borde=
r=3D"1" cellpadding=3D"0" cellspacing=3D"0" width=3D"1406" style=3D"border-=
collapse: collapse; width: 1056pt"><colgroup><col width=3D"64" span=3D"12" =
style=3D"width: 48pt"><col width=3D"64" style=3D"width: 48pt"><col width=3D=
"64" span=3D"3" style=3D"width: 48pt"><col width=3D"102" style=3D"width: 77=
pt"><col width=3D"95" style=3D"width: 72pt"><col width=3D"94" style=3D"widt=
h: 71pt"><col width=3D"91" style=3D"width: 68pt"></colgroup><tbody><tr heig=
ht=3D"97" style=3D"height: 72.5pt"><td height=3D"97" class=3D"x_1519712440x=
l63" width=3D"64" style=3D"height: 72.5pt; width: 48pt; color: windowtext; =
font-weight: 700; font-family: Calibri, sans-serif; text-align: center; ver=
tical-align: middle; border: 0.5pt solid windowtext; background: lightgrey;=
 white-space: normal">Type of
  Complaint<br></td><td class=3D"x_1519712440xl63" width=3D"64" style=3D"bo=
rder: 0.5pt solid windowtext; width: 48pt; color: windowtext; font-weight: =
700; font-family: Calibri, sans-serif; text-align: center; vertical-align: =
middle; background: lightgrey; white-space: normal">Case Nature<br></td><td=
 class=3D"x_1519712440xl63" width=3D"64" style=3D"border: 0.5pt solid windo=
wtext; width: 48pt; color: windowtext; font-weight: 700; font-family: Calib=
ri, sans-serif; text-align: center; vertical-align: middle; background: lig=
htgrey; white-space: normal">Employee Code<br></td><td class=3D"x_151971244=
0xl63" width=3D"64" style=3D"border: 0.5pt solid windowtext; width: 48pt; c=
olor: windowtext; font-weight: 700; font-family: Calibri, sans-serif; text-=
align: center; vertical-align: middle; background: lightgrey; white-space: =
normal">Name of the Staff
  Involved<br></td><td class=3D"x_1519712440xl63" width=3D"64" style=3D"bor=
der: 0.5pt solid windowtext; width: 48pt; color: windowtext; font-weight: 7=
00; font-family: Calibri, sans-serif; text-align: center; vertical-align: m=
iddle; background: lightgrey; white-space: normal">Employee
  Designation<br></td><td class=3D"x_1519712440xl63" width=3D"64" style=3D"=
border: 0.5pt solid windowtext; width: 48pt; color: windowtext; font-weight=
: 700; font-family: Calibri, sans-serif; text-align: center; vertical-align=
: middle; background: lightgrey; white-space: normal">Department<br></td><t=
d class=3D"x_1519712440xl63" width=3D"64" style=3D"border: 0.5pt solid wind=
owtext; width: 48pt; color: windowtext; font-weight: 700; font-family: Cali=
bri, sans-serif; text-align: center; vertical-align: middle; background: li=
ghtgrey; white-space: normal">Branch Code<br></td><td class=3D"x_1519712440=
xl63" width=3D"64" style=3D"border: 0.5pt solid windowtext; width: 48pt; co=
lor: windowtext; font-weight: 700; font-family: Calibri, sans-serif; text-a=
lign: center; vertical-align: middle; background: lightgrey; white-space: n=
ormal">Branch Name<br></td><td class=3D"x_1519712440xl63" width=3D"64" styl=
e=3D"border: 0.5pt solid windowtext; width: 48pt; color: windowtext; font-w=
eight: 700; font-family: Calibri, sans-serif; text-align: center; vertical-=
align: middle; background: lightgrey; white-space: normal">Actual Fraud
  Branch Code<br></td><td class=3D"x_1519712440xl63" width=3D"64" style=3D"=
border: 0.5pt solid windowtext; width: 48pt; color: windowtext; font-weight=
: 700; font-family: Calibri, sans-serif; text-align: center; vertical-align=
: middle; background: lightgrey; white-space: normal">Actual Fraud
  Branch Name<br></td><td class=3D"x_1519712440xl63" width=3D"64" style=3D"=
border: 0.5pt solid windowtext; width: 48pt; color: windowtext; font-weight=
: 700; font-family: Calibri, sans-serif; text-align: center; vertical-align=
: middle; background: lightgrey; white-space: normal">Area<br></td><td clas=
s=3D"x_1519712440xl63" width=3D"64" style=3D"border: 0.5pt solid windowtext=
; width: 48pt; color: windowtext; font-weight: 700; font-family: Calibri, s=
ans-serif; text-align: center; vertical-align: middle; background: lightgre=
y; white-space: normal">Region<br></td><td class=3D"x_1519712440xl65" width=
=3D"64" style=3D"border: 0.5pt solid windowtext; width: 48pt; color: window=
text; font-weight: 700; font-family: Calibri, sans-serif; text-align: cente=
r; vertical-align: middle; background: lightgrey">Charges or
  Allegation<br></td><td class=3D"x_1519712440xl63" width=3D"64" style=3D"b=
order: 0.5pt solid windowtext; width: 48pt; color: windowtext; font-weight:=
 700; font-family: Calibri, sans-serif; text-align: center; vertical-align:=
 middle; background: lightgrey; white-space: normal">Date of Incident<br></=
td><td class=3D"x_1519712440xl63" width=3D"64" style=3D"border: 0.5pt solid=
 windowtext; width: 48pt; color: windowtext; font-weight: 700; font-family:=
 Calibri, sans-serif; text-align: center; vertical-align: middle; backgroun=
d: lightgrey; white-space: normal">Date of
  Identification<br></td><td class=3D"x_1519712440xl63" width=3D"64" style=
=3D"border: 0.5pt solid windowtext; width: 48pt; color: windowtext; font-we=
ight: 700; font-family: Calibri, sans-serif; text-align: center; vertical-a=
lign: middle; background: lightgrey; white-space: normal">Is Rakshak<br></t=
d><td class=3D"x_1519712440xl63" width=3D"102" style=3D"border: 0.5pt solid=
 windowtext; width: 77pt; color: windowtext; font-weight: 700; font-family:=
 Calibri, sans-serif; text-align: center; vertical-align: middle; backgroun=
d: lightgrey; white-space: normal">Raised By
  Employee ID<br></td><td class=3D"x_1519712440xl63" width=3D"95" style=3D"=
border: 0.5pt solid windowtext; width: 72pt; color: windowtext; font-weight=
: 700; font-family: Calibri, sans-serif; text-align: center; vertical-align=
: middle; background: lightgrey; white-space: normal">Raised By
  Employee Name<br></td><td class=3D"x_1519712440xl63" width=3D"94" style=
=3D"border: 0.5pt solid windowtext; width: 71pt; color: windowtext; font-we=
ight: 700; font-family: Calibri, sans-serif; text-align: center; vertical-a=
lign: middle; background: lightgrey; white-space: normal">Raised by
  Employee Department<br></td><td class=3D"x_1519712440xl64" width=3D"91" s=
tyle=3D"border: 0.5pt solid windowtext; width: 68pt; color: windowtext; fon=
t-weight: 700; font-family: Calibri, sans-serif; text-align: center; vertic=
al-align: middle; background: yellow; white-space: normal">Final
  Recommendation<br></td></tr><tr height=3D"19" style=3D"height: 14.5pt"><t=
d rowspan=3D"8" height=3D"152" class=3D"x_1519712440xl66" width=3D"64" styl=
e=3D"height: 116pt; border: 0.5pt solid windowtext; width: 48pt; vertical-a=
lign: middle; white-space: normal">Non-Financial<br></td><td rowspan=3D"8" =
class=3D"x_1519712440xl66" width=3D"64" style=3D"border: 0.5pt solid window=
text; width: 48pt; vertical-align: middle; white-space: normal">Process
  lapse<br></td><td rowspan=3D"8" class=3D"x_1519712440xl66" width=3D"64" s=
tyle=3D"border: 0.5pt solid windowtext; width: 48pt; vertical-align: middle=
; white-space: normal">SF0045822<br></td><td rowspan=3D"8" class=3D"x_15197=
12440xl66" width=3D"64" style=3D"border: 0.5pt solid windowtext; width: 48p=
t; vertical-align: middle; white-space: normal">Shivraj
  Hajeri<br></td><td rowspan=3D"8" class=3D"x_1519712440xl66" width=3D"64" =
style=3D"border: 0.5pt solid windowtext; width: 48pt; vertical-align: middl=
e; white-space: normal">Branch
  Manager<br></td><td rowspan=3D"8" class=3D"x_1519712440xl66" width=3D"64"=
 style=3D"border: 0.5pt solid windowtext; width: 48pt; vertical-align: midd=
le; white-space: normal">Operations<br></td><td rowspan=3D"8" class=3D"x_15=
19712440xl66" width=3D"64" style=3D"border: 0.5pt solid windowtext; width: =
48pt; vertical-align: middle; white-space: normal">MRGL0688<br></td><td row=
span=3D"8" class=3D"x_1519712440xl66" width=3D"64" style=3D"border: 0.5pt s=
olid windowtext; width: 48pt; vertical-align: middle; white-space: normal">=
Kolhapur<br></td><td rowspan=3D"8" class=3D"x_1519712440xl66" width=3D"64" =
style=3D"border: 0.5pt solid windowtext; width: 48pt; vertical-align: middl=
e; white-space: normal">MRGL0688<br></td><td rowspan=3D"8" class=3D"x_15197=
12440xl66" width=3D"64" style=3D"border: 0.5pt solid windowtext; width: 48p=
t; vertical-align: middle; white-space: normal">Kolhapur<br></td><td rowspa=
n=3D"8" class=3D"x_1519712440xl66" width=3D"64" style=3D"border: 0.5pt soli=
d windowtext; width: 48pt; vertical-align: middle; white-space: normal">Kol=
hapur<br></td><td rowspan=3D"8" class=3D"x_1519712440xl66" width=3D"64" sty=
le=3D"border: 0.5pt solid windowtext; width: 48pt; vertical-align: middle; =
white-space: normal">Pune<br></td><td class=3D"x_1519712440xl67" style=3D"b=
order: 0.5pt solid windowtext; vertical-align: middle">During a sample-base=
d
  verification of the E-Sign Loan Disbursement process, it was observed tha=
t
  the borrower's live photographs were not captured during the Group
  Recognition Test (GRT) Instead of, photographs previously captured on a
  mobile phone Gallery were uploaded by the Branch Manager and LO's in the =
FIMO
  application for HV and GRT verification<br></td><td rowspan=3D"8" class=
=3D"x_1519712440xl68" align=3D"right" width=3D"64" style=3D"border: 0.5pt s=
olid windowtext; width: 48pt; vertical-align: middle; white-space: normal">=
29-Jun-26<br></td><td rowspan=3D"8" class=3D"x_1519712440xl68" align=3D"cen=
ter" width=3D"64" style=3D"border: 0.5pt solid windowtext; width: 48pt; ver=
tical-align: middle; white-space: normal">########<br></td><td rowspan=3D"8=
" class=3D"x_1519712440xl66" width=3D"64" style=3D"border: 0.5pt solid wind=
owtext; width: 48pt; vertical-align: middle; white-space: normal">No<br></t=
d><td rowspan=3D"8" class=3D"x_1519712440xl66" width=3D"102" style=3D"borde=
r: 0.5pt solid windowtext; width: 77pt; vertical-align: middle; white-space=
: normal">SF0097792<br></td><td rowspan=3D"8" class=3D"x_1519712440xl66" wi=
dth=3D"95" style=3D"border: 0.5pt solid windowtext; width: 72pt; vertical-a=
lign: middle; white-space: normal">Aniket
  Ajit Chiparge<br></td><td rowspan=3D"8" class=3D"x_1519712440xl66" width=
=3D"94" style=3D"border: 0.5pt solid windowtext; width: 71pt; vertical-alig=
n: middle; white-space: normal">Operations<br></td><td rowspan=3D"8" class=
=3D"x_1519712440xl69" width=3D"91" style=3D"border: 0.5pt solid windowtext;=
 width: 68pt; text-align: center; vertical-align: middle; white-space: norm=
al">Verbal
  Warning<br></td></tr><tr height=3D"19" style=3D"height: 14.5pt"><td heigh=
t=3D"19" class=3D"x_1519712440xl67" style=3D"height: 14.5pt; border: 0.5pt =
solid windowtext; vertical-align: middle">&nbsp;<br></td></tr><tr height=3D=
"19" style=3D"height: 14.5pt"><td height=3D"19" class=3D"x_1519712440xl67" =
style=3D"height: 14.5pt; border: 0.5pt solid windowtext; vertical-align: mi=
ddle">Sr. No. Center Name Group Name Customer Name Form NO / BAR code Loan =
ID
  Client Type HV Date GRT Date Disbursed Date Loan Amoun<br></td></tr><tr h=
eight=3D"19" style=3D"height: 14.5pt"><td height=3D"19" class=3D"x_15197124=
40xl67" style=3D"height: 14.5pt; border: 0.5pt solid windowtext; vertical-a=
lign: middle">&nbsp;<br></td></tr><tr height=3D"19" style=3D"height: 14.5pt=
"><td height=3D"19" class=3D"x_1519712440xl67" style=3D"height: 14.5pt; bor=
der: 0.5pt solid windowtext; vertical-align: middle">1 59925 700381 LAXMI S=
HIVAJI SONTAKKE LOS7728444 360715464 New
  29-Jun-26 29-Jun-26 29-Jun-26 60,000.00<br></td></tr><tr height=3D"19" st=
yle=3D"height: 14.5pt"><td height=3D"19" class=3D"x_1519712440xl67" style=
=3D"height: 14.5pt; border: 0.5pt solid windowtext; vertical-align: middle"=
>&nbsp;<br></td></tr><tr height=3D"19" style=3D"height: 14.5pt"><td height=
=3D"19" class=3D"x_1519712440xl67" style=3D"height: 14.5pt; border: 0.5pt s=
olid windowtext; vertical-align: middle">2 59925 700381 LAXMI SUBHASH DAVAL=
E LOS7727871 360714237 New 29-Jun-26
  29-Jun-26 29-Jun-26 60,000.00<br></td></tr><tr height=3D"19" style=3D"hei=
ght: 14.5pt"><td height=3D"19" class=3D"x_1519712440xl67" style=3D"height: =
14.5pt; border: 0.5pt solid windowtext; vertical-align: middle">&nbsp;<br><=
/td></tr></tbody></table><div><p class=3D"MsoNormal" style=3D"margin: 0cm">=
<span class=3D"highlight" style=3D"background-color:white"><span class=3D"f=
ont" style=3D"font-family:Aptos, sans-serif"><span class=3D"size" style=3D"=
font-size: 12pt; margin: 0cm;"><span class=3D"colour" style=3D"color:red"><=
span class=3D"font" style=3D"font-family:&quot;Arial Rounded MT Bold&quot;,=
 sans-serif">Parful Sambhaji Taware</span></span><br></span></span></span><=
/p><p class=3D"MsoNormal" style=3D"margin: 0cm 0cm 12pt"><span class=3D"hig=
hlight" style=3D"background-color:white"><span class=3D"font" style=3D"font=
-family:Aptos, sans-serif"><span class=3D"size" style=3D"font-size: 12pt; m=
argin: 0cm 0cm 12pt;"><span class=3D"colour" style=3D"color:black"><span cl=
ass=3D"font" style=3D"font-family:Arial, sans-serif"><span class=3D"size" s=
tyle=3D"font-size:10pt">Manager | Human Resources | MH<br> M: 9960384865<br=
> Spandana Sphoorty Financial Limited</span></span></span><span class=3D"co=
lour" style=3D"color:rgb(12, 100, 192)"><span class=3D"font" style=3D"font-=
family:&quot;Times New Roman&quot;, serif"><span class=3D"size" style=3D"fo=
nt-size:10pt"><br> </span></span></span><span class=3D"highlight" style=3D"=
background-color:white"><span class=3D"colour" style=3D"color:black"><span =
class=3D"font" style=3D"font-family:Arial, sans-serif"><span class=3D"size"=
 style=3D"font-size:10pt">H. No. 624/B1, 1st&nbsp;Floor, Near Samarth Socie=
ty, Bakul Nagar, Bibwewadi, Pune, MH&nbsp;=E2=80=93 411037</span></span></s=
pan></span> <br></span></span></span></p></div><div><br></div><div class=3D=
"x_1519712440zmail_extra_hr" style=3D"border-top: 1px solid rgb(204, 204, 2=
04); min-height: 0px; margin-top: 10px; margin-bottom: 10px; line-height: 0=
px"><br></div><div class=3D"x_1519712440zmail_extra"><div><br></div><div id=
=3D"x_15197124401">=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D Forwarded message =
=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D<br>From: Aniket Chiparge &lt;<a href=
=3D"mailto:aniket.ajit@spandanasphoorty.com" target=3D"_blank">aniket.ajit@=
spandanasphoorty.com</a>&gt;<br>To: &lt;<a href=3D"mailto:parfulsambhaji.ta=
ware@spandanasphoorty.com" target=3D"_blank">parfulsambhaji.taware@spandana=
sphoorty.com</a>&gt;<br>Cc: &lt;<a href=3D"mailto:sumit.chandanshive@spanda=
nasphoorty.com" target=3D"_blank">sumit.chandanshive@spandanasphoorty.com</=
a>&gt;, &lt;<a href=3D"mailto:sudarshan.patil@spandanasphoorty.com" target=
=3D"_blank">sudarshan.patil@spandanasphoorty.com</a>&gt;, &lt;<a href=3D"ma=
ilto:vinod.puri@spandanasphoorty.com" target=3D"_blank">vinod.puri@spandana=
sphoorty.com</a>&gt;<br>Date: Tue, 29 Sep 2026 10:28:47 +0530<br>Subject: R=
e:&nbsp;Non Financial cases Pending<br>=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=
 Forwarded message =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D<br></div><div><br><=
/div><blockquote id=3D"x_1519712440blockquote_zmail" style=3D"margin: 0px">=
<div><div dir=3D"auto" style=3D"font-size: 10pt; font-family: Verdana, Aria=
l, Helvetica, sans-serif"><div id=3D"x_1727594305message" dir=3D"auto"><div=
>Dear Sir,<br></div><div dir=3D"auto"><br></div><div dir=3D"auto">Verbal wa=
rning given to the concern BM Sir.<br></div><div dir=3D"auto"><br></div><di=
v dir=3D"auto">It won't be happen again.<br id=3D"x_1727594305br3"><br id=
=3D"x_1727594305br3"><br id=3D"x_1727594305br3"></div></div><div id=3D"x_17=
27594305signature" dir=3D"auto"><p class=3D"MsoNormal" style=3D"margin: 0in=
; font-style: normal; font-weight: 400; letter-spacing: normal; orphans: 2;=
 text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; whit=
e-space: normal"><span class=3D"highlight" style=3D"background-color:white"=
><span class=3D"colour" style=3D"color:rgb(0, 0, 0)"><span class=3D"font" s=
tyle=3D"font-family:Aptos, sans-serif"><span class=3D"size" style=3D"font-s=
ize: 12pt; margin: 0in; font-style: normal; font-weight: 400; letter-spacin=
g: normal; orphans: 2; text-indent: 0px; text-transform: none; widows: 2; w=
ord-spacing: 0px; white-space: normal;"><br></span></span></span></span></p=
><div><br></div><div><b><span class=3D"colour" style=3D"color:rgb(238, 0, 0=
)"><span class=3D"font" style=3D"font-family:&quot;Arial Rounded MT Bold&qu=
ot;, sans-serif">Aniket Ajit Chiparge</span></span></b><br></div><p class=
=3D"MsoNormal" style=3D"margin: 0in; font-style: normal; font-weight: 400; =
letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none;=
 widows: 2; word-spacing: 0px; white-space: normal"><span class=3D"highligh=
t" style=3D"background-color:white"><span class=3D"colour" style=3D"color:r=
gb(0, 0, 0)"><span class=3D"font" style=3D"font-family:Aptos, sans-serif"><=
span class=3D"size" style=3D"font-size: 12pt; margin: 0in; font-style: norm=
al; font-weight: 400; letter-spacing: normal; orphans: 2; text-indent: 0px;=
 text-transform: none; widows: 2; word-spacing: 0px; white-space: normal;">=
<span class=3D"colour" style=3D"color:black"><span class=3D"font" style=3D"=
font-family:Arial, sans-serif"><span class=3D"size" style=3D"font-size:10pt=
">Regional Head | Operations<br>MOB : 7972756025<br>Spandana Sphoorty Finan=
cial Limited<br>Galaxy Wing B, 16th Floor, Opp IKEA, Hyderabad - 500081</sp=
an></span></span></span></span></span></span></p><p class=3D"MsoNormal" sty=
le=3D"margin: 0in; font-style: normal; font-weight: 400; letter-spacing: no=
rmal; orphans: 2; text-indent: 0px; text-transform: none; widows: 2; word-s=
pacing: 0px; white-space: normal"><span class=3D"highlight" style=3D"backgr=
ound-color:white"><span class=3D"colour" style=3D"color:rgb(0, 0, 0)"><span=
 class=3D"font" style=3D"font-family:Aptos, sans-serif"><span class=3D"size=
" style=3D"font-size: 12pt; margin: 0in; font-style: normal; font-weight: 4=
00; letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: n=
one; widows: 2; word-spacing: 0px; white-space: normal;"><span class=3D"col=
our" style=3D"color:black"><a href=3D"https://spandanasphoorty.com/" target=
=3D"_blank"><span class=3D"colour" style=3D"color:blue"><span class=3D"font=
" style=3D"font-family:&quot;Segoe UI&quot;, sans-serif"><span class=3D"siz=
e" style=3D"font-size: 11pt; text-decoration: none;"><img border=3D"0" widt=
h=3D"26" height=3D"27" src=3D"cid:0.1820001770.385806296007830067.1a0eb879a=
a2__inline__img__src" style=3D"cursor: pointer; width: 0.2708in; height: 0.=
2777in"></span></span></span></a></span><span class=3D"colour" style=3D"col=
or:rgb(33, 37, 41)"><span class=3D"font" style=3D"font-family:&quot;Segoe U=
I&quot;, sans-serif"><span class=3D"size" style=3D"font-size:11pt">&nbsp;</=
span></span></span><span class=3D"colour" style=3D"color:black"><a href=3D"=
https://www.linkedin.com/company/215682/" target=3D"_blank"><span class=3D"=
colour" style=3D"color:blue"><span class=3D"font" style=3D"font-family:&quo=
t;Segoe UI&quot;, sans-serif"><span class=3D"size" style=3D"font-size: 11pt=
; text-decoration: none;"><img border=3D"0" width=3D"28" height=3D"27" src=
=3D"cid:1.1820001770.744429540889314269.1a0eb879aa2__inline__img__src" styl=
e=3D"cursor: pointer; width: 0.2916in; height: 0.2847in"></span></span></sp=
an></a></span><span class=3D"colour" style=3D"color:rgb(33, 37, 41)"><span =
class=3D"font" style=3D"font-family:&quot;Segoe UI&quot;, sans-serif"><span=
 class=3D"size" style=3D"font-size:11pt">&nbsp;</span></span></span><span c=
lass=3D"colour" style=3D"color:black"><a href=3D"https://www.facebook.com/p=
rofile.php?id=3D100088770888545" target=3D"_blank"><span class=3D"colour" s=
tyle=3D"color:blue"><span class=3D"font" style=3D"font-family:&quot;Segoe U=
I&quot;, sans-serif"><span class=3D"size" style=3D"font-size: 11pt; text-de=
coration: none;"><img border=3D"0" width=3D"28" height=3D"27" src=3D"cid:2.=
1820001770.2224387218227957448.1a0eb879aa3__inline__img__src" style=3D"curs=
or: pointer; width: 0.2916in; height: 0.2847in"></span></span></span></a></=
span><span class=3D"colour" style=3D"color:rgb(33, 37, 41)"><span class=3D"=
font" style=3D"font-family:&quot;Segoe UI&quot;, sans-serif"><span class=3D=
"size" style=3D"font-size:11pt">&nbsp;</span></span></span><span class=3D"c=
olour" style=3D"color:black"><a href=3D"https://www.instagram.com/spandanas=
phoorty__/" target=3D"_blank"><span class=3D"colour" style=3D"color:blue"><=
span class=3D"font" style=3D"font-family:&quot;Segoe UI&quot;, sans-serif">=
<span class=3D"size" style=3D"font-size: 11pt; text-decoration: none;"><img=
 border=3D"0" width=3D"29" height=3D"27" src=3D"cid:3.1820001770.5489239618=
454501792.1a0eb879aa3__inline__img__src" style=3D"cursor: pointer; width: 0=
.2986in; height: 0.2847in"></span></span></span></a></span><span class=3D"c=
olour" style=3D"color:rgb(33, 37, 41)"><span class=3D"font" style=3D"font-f=
amily:&quot;Segoe UI&quot;, sans-serif"><span class=3D"size" style=3D"font-=
size:11pt">&nbsp;</span></span></span><span class=3D"colour" style=3D"color=
:black"><a href=3D"https://twitter.com/SSphoorty" target=3D"_blank"><span c=
lass=3D"colour" style=3D"color:blue"><span class=3D"font" style=3D"font-fam=
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ze: 11pt; text-decoration: none;"><img border=3D"0" width=3D"30" height=3D"=
27" src=3D"cid:4.1820001770.1483859836696111478.1a0eb879aa3__inline__img__s=
rc" style=3D"cursor: pointer; width: 0.3125in; height: 0.2847in"></span></s=
pan></span></a></span><span class=3D"colour" style=3D"color:rgb(33, 37, 41)=
"><span class=3D"font" style=3D"font-family:&quot;Segoe UI&quot;, sans-seri=
f"><span class=3D"size" style=3D"font-size:11pt">&nbsp;</span></span></span=
><span class=3D"colour" style=3D"color:black"><a href=3D"https://www.youtub=
e.com/@Spandana../featured" target=3D"_blank"><span class=3D"colour" style=
=3D"color:blue"><span class=3D"font" style=3D"font-family:&quot;Segoe UI&qu=
ot;, sans-serif"><span class=3D"size" style=3D"font-size: 11pt; text-decora=
tion: none;"><img border=3D"0" width=3D"40" height=3D"27" src=3D"cid:5.1820=
001770.53986139961416798.1a0eb879aa3__inline__img__src" style=3D"cursor: po=
inter; width: 0.4166in; height: 0.2777in"></span></span></span></a></span><=
br></span></span></span></span></p><div style=3D"color: rgb(0, 0, 0); font-=
style: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-i=
ndent: 0px; text-transform: none; widows: 2; word-spacing: 0px; white-space=
: normal; font-family: &quot;Lato 2&quot;, sans-serif, system-ui, -apple-sy=
stem, &quot;Segoe UI&quot;, Roboto, Ubuntu, Cantarell, &quot;Noto Sans&quot=
;; font-size: 14px; background-color: rgb(255, 255, 255)"><div class=3D"Mso=
Normal" style=3D"margin: 0in; font-size: 12pt; font-family: Aptos, sans-ser=
if"><span class=3D"size" style=3D"font-size:11pt"><hr width=3D"70" align=3D=
"left" style=3D"width: 52.5pt"></span><br></div></div><p class=3D"MsoNormal=
" style=3D"margin: 0in; font-style: normal; font-weight: 400; letter-spacin=
g: normal; orphans: 2; text-indent: 0px; text-transform: none; widows: 2; w=
ord-spacing: 0px; white-space: normal"><span class=3D"highlight" style=3D"b=
ackground-color:white"><span class=3D"colour" style=3D"color:rgb(0, 0, 0)">=
<span class=3D"font" style=3D"font-family:Aptos, sans-serif"><span class=3D=
"size" style=3D"font-size: 12pt; margin: 0in; font-style: normal; font-weig=
ht: 400; letter-spacing: normal; orphans: 2; text-indent: 0px; text-transfo=
rm: none; widows: 2; word-spacing: 0px; white-space: normal;"><span class=
=3D"colour" style=3D"color:red"><span class=3D"font" style=3D"font-family:A=
rial, sans-serif"><span class=3D"size" style=3D"font-size:10pt">I</span></s=
pan></span><span class=3D"colour" style=3D"color:black"><span class=3D"font=
" style=3D"font-family:Arial, sans-serif"><span class=3D"size" style=3D"fon=
t-size:10pt">ntegrity |&nbsp;</span></span></span><span class=3D"colour" st=
yle=3D"color:red"><span class=3D"font" style=3D"font-family:Arial, sans-ser=
if"><span class=3D"size" style=3D"font-size:10pt">C</span></span></span><sp=
an class=3D"colour" style=3D"color:black"><span class=3D"font" style=3D"fon=
t-family:Arial, sans-serif"><span class=3D"size" style=3D"font-size:10pt">o=
llaboration |&nbsp;</span></span></span><span class=3D"colour" style=3D"col=
or:red"><span class=3D"font" style=3D"font-family:Arial, sans-serif"><span =
class=3D"size" style=3D"font-size:10pt">A</span></span></span><span class=
=3D"colour" style=3D"color:black"><span class=3D"font" style=3D"font-family=
:Arial, sans-serif"><span class=3D"size" style=3D"font-size:10pt">gility |&=
nbsp;</span></span></span><span class=3D"colour" style=3D"color:red"><span =
class=3D"font" style=3D"font-family:Arial, sans-serif"><span class=3D"size"=
 style=3D"font-size:10pt">R</span></span></span><span class=3D"colour" styl=
e=3D"color:black"><span class=3D"font" style=3D"font-family:Arial, sans-ser=
if"><span class=3D"size" style=3D"font-size:10pt">eceptiveness |&nbsp;</spa=
n></span></span><span class=3D"colour" style=3D"color:red"><span class=3D"f=
ont" style=3D"font-family:Arial, sans-serif"><span class=3D"size" style=3D"=
font-size:10pt">E</span></span></span><span class=3D"colour" style=3D"color=
:black"><span class=3D"font" style=3D"font-family:Arial, sans-serif"><span =
class=3D"size" style=3D"font-size:10pt">mpathy</span></span></span><br></sp=
an></span></span></span></p><div><br></div></div><div id=3D"x_1727594305con=
tent" dir=3D"auto"><br><div class=3D"x_1727594305zmail_extra_hr" style=3D"b=
order-top-width: 1px; border-top-style: solid; border-top-color: rgb(204, 2=
04, 204); min-height: 0px; margin-top: 10px; margin-bottom: 10px; line-heig=
ht: 0px"><br></div><br>---- On Tue, 29 Sep 2026 09:50:19 +0530<b> <a href=
=3D"mailto:parfulsambhaji.taware@spandanasphoorty.com" target=3D"_blank">pa=
rfulsambhaji.taware@spandanasphoorty.com</a> </b> wrote ----<br><br><div id=
=3D"x_1519712440zmail_block"><br></div></div><br></div></div><blockquote st=
yle=3D"border: 0px; padding: 0px; margin: 0px"><div><div style=3D"font-fami=
ly: Verdana, Arial, Helvetica, sans-serif; font-size: 10pt"><div class=3D"x=
_570802910zmail_extra"><blockquote id=3D"x_570802910blockquote_zmail" style=
=3D"margin: 0px"><div><div style=3D"font-family: Verdana, Arial, Helvetica,=
 sans-serif; font-size: 10pt"><p class=3D"x_1440976238xmsonormal" style=3D"=
margin: 0cm; font-style: normal; font-weight: 400; letter-spacing: normal; =
orphans: 2; text-indent: 0px; text-transform: none; widows: 2; word-spacing=
: 0px; white-space: normal"><span class=3D"highlight" style=3D"background-c=
olor:rgb(255, 255, 255)"><span class=3D"colour" style=3D"color:rgb(0, 0, 0)=
"><span class=3D"font" style=3D"font-family:Aptos, sans-serif"><span class=
=3D"size" style=3D"font-size: 12pt; margin: 0cm; font-style: normal; font-w=
eight: 400; letter-spacing: normal; orphans: 2; text-indent: 0px; text-tran=
sform: none; widows: 2; word-spacing: 0px; white-space: normal;"><span clas=
s=3D"size" style=3D"font-size:11pt">Dear Aniket Sir,</span></span></span></=
span></span><br></p><p class=3D"x_1440976238xmsonormal" style=3D"margin: 0c=
m; font-style: normal; font-weight: 400; letter-spacing: normal; orphans: 2=
; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; whi=
te-space: normal"><span class=3D"highlight" style=3D"background-color:rgb(2=
55, 255, 255)"><span class=3D"colour" style=3D"color:rgb(0, 0, 0)"><span cl=
ass=3D"font" style=3D"font-family:Aptos, sans-serif"><span class=3D"size" s=
tyle=3D"font-size: 12pt; margin: 0cm; font-style: normal; font-weight: 400;=
 letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none=
; widows: 2; word-spacing: 0px; white-space: normal;"><span class=3D"colour=
" style=3D"color:black"><span class=3D"size" style=3D"font-size:11pt"><br>t=
here is only 01 non-financial&nbsp;cases are pending for Pune, please give =
your recommendation so we can take final approval.</span></span></span></sp=
an></span></span></p><div><br></div><table border=3D"1" cellpadding=3D"0" c=
ellspacing=3D"0" style=3D"border-collapse: collapse"><colgroup><col width=
=3D"64" span=3D"17" style=3D"width: 48pt"><col width=3D"115" style=3D"width=
: 87pt"><col width=3D"129" style=3D"width: 97pt"><col width=3D"115" style=
=3D"width: 87pt"></colgroup><tbody><tr height=3D"44" style=3D"height: 33.4p=
t"><td height=3D"44" class=3D"x_1420601440xl65" width=3D"64" style=3D"heigh=
t: 33.4pt; width: 48pt; color: windowtext; font-weight: 700; font-family: C=
alibri; text-align: center; vertical-align: middle; border: 0.5pt solid win=
dowtext; background: lightgrey; white-space: normal">Type of Complaint<br><=
/td><td class=3D"x_1420601440xl65" width=3D"64" style=3D"border: 0.5pt soli=
d windowtext; width: 48pt; color: windowtext; font-weight: 700; font-family=
: Calibri; text-align: center; vertical-align: middle; background: lightgre=
y; white-space: normal">Case Nature<br></td><td class=3D"x_1420601440xl65" =
width=3D"64" style=3D"border: 0.5pt solid windowtext; width: 48pt; color: w=
indowtext; font-weight: 700; font-family: Calibri; text-align: center; vert=
ical-align: middle; background: lightgrey; white-space: normal">Employee Co=
de<br></td><td class=3D"x_1420601440xl65" width=3D"64" style=3D"border: 0.5=
pt solid windowtext; width: 48pt; color: windowtext; font-weight: 700; font=
-family: Calibri; text-align: center; vertical-align: middle; background: l=
ightgrey; white-space: normal">Name of the Staff Involved<br></td><td class=
=3D"x_1420601440xl65" width=3D"64" style=3D"border: 0.5pt solid windowtext;=
 width: 48pt; color: windowtext; font-weight: 700; font-family: Calibri; te=
xt-align: center; vertical-align: middle; background: lightgrey; white-spac=
e: normal">Employee Designation<br></td><td class=3D"x_1420601440xl65" widt=
h=3D"64" style=3D"border: 0.5pt solid windowtext; width: 48pt; color: windo=
wtext; font-weight: 700; font-family: Calibri; text-align: center; vertical=
-align: middle; background: lightgrey; white-space: normal">Department<br><=
/td><td class=3D"x_1420601440xl65" width=3D"64" style=3D"border: 0.5pt soli=
d windowtext; width: 48pt; color: windowtext; font-weight: 700; font-family=
: Calibri; text-align: center; vertical-align: middle; background: lightgre=
y; white-space: normal">Branch Code<br></td><td class=3D"x_1420601440xl65" =
width=3D"64" style=3D"border: 0.5pt solid windowtext; width: 48pt; color: w=
indowtext; font-weight: 700; font-family: Calibri; text-align: center; vert=
ical-align: middle; background: lightgrey; white-space: normal">Branch Name=
<br></td><td class=3D"x_1420601440xl65" width=3D"64" style=3D"border: 0.5pt=
 solid windowtext; width: 48pt; color: windowtext; font-weight: 700; font-f=
amily: Calibri; text-align: center; vertical-align: middle; background: lig=
htgrey; white-space: normal">Actual Fraud Branch Code<br></td><td class=3D"=
x_1420601440xl65" width=3D"64" style=3D"border: 0.5pt solid windowtext; wid=
th: 48pt; color: windowtext; font-weight: 700; font-family: Calibri; text-a=
lign: center; vertical-align: middle; background: lightgrey; white-space: n=
ormal">Actual Fraud Branch Name<br></td><td class=3D"x_1420601440xl65" widt=
h=3D"64" style=3D"border: 0.5pt solid windowtext; width: 48pt; color: windo=
wtext; font-weight: 700; font-family: Calibri; text-align: center; vertical=
-align: middle; background: lightgrey; white-space: normal">Area<br></td><t=
d class=3D"x_1420601440xl65" width=3D"64" style=3D"border: 0.5pt solid wind=
owtext; width: 48pt; color: windowtext; font-weight: 700; font-family: Cali=
bri; text-align: center; vertical-align: middle; background: lightgrey; whi=
te-space: normal">Region<br></td><td class=3D"x_1420601440xl65" width=3D"64=
" style=3D"border: 0.5pt solid windowtext; width: 74px; color: windowtext; =
font-weight: 700; font-family: Calibri; text-align: center; vertical-align:=
 middle; background: lightgrey; white-space: normal">Charges or Allegation<=
br></td><td class=3D"x_1420601440xl65" width=3D"64" style=3D"border: 0.5pt =
solid windowtext; width: 69.1563px; color: windowtext; font-weight: 700; fo=
nt-family: Calibri; text-align: center; vertical-align: middle; background:=
 lightgrey; white-space: normal">Date of Incident<br></td><td class=3D"x_14=
20601440xl65" width=3D"64" style=3D"border: 0.5pt solid windowtext; width: =
61.0104px; color: windowtext; font-weight: 700; font-family: Calibri; text-=
align: center; vertical-align: middle; background: lightgrey; white-space: =
normal">Date of Identification<br></td><td class=3D"x_1420601440xl65" width=
=3D"64" style=3D"border: 0.5pt solid windowtext; width: 48pt; color: window=
text; font-weight: 700; font-family: Calibri; text-align: center; vertical-=
align: middle; background: lightgrey; white-space: normal">Is Rakshak<br></=
td><td class=3D"x_1420601440xl65" width=3D"64" style=3D"border: 0.5pt solid=
 windowtext; width: 48pt; color: windowtext; font-weight: 700; font-family:=
 Calibri; text-align: center; vertical-align: middle; background: lightgrey=
; white-space: normal">Raised By Employee ID<br></td><td class=3D"x_1420601=
440xl65" width=3D"115" style=3D"border: 0.5pt solid windowtext; width: 87pt=
; color: windowtext; font-weight: 700; font-family: Calibri; text-align: ce=
nter; vertical-align: middle; background: lightgrey; white-space: normal">R=
aised By Employee Name<br></td><td class=3D"x_1420601440xl65" width=3D"129"=
 style=3D"border: 0.5pt solid windowtext; width: 97pt; color: windowtext; f=
ont-weight: 700; font-family: Calibri; text-align: center; vertical-align: =
middle; background: lightgrey; white-space: normal">Raised by Employee Depa=
rtment<br></td><td class=3D"x_1420601440xl66" width=3D"115" style=3D"border=
: 0.5pt solid windowtext; width: 87pt; color: windowtext; font-weight: 700;=
 font-family: Calibri; text-align: center; vertical-align: middle; backgrou=
nd: yellow; white-space: normal">Final Recommendation<br></td></tr><tr heig=
ht=3D"19" style=3D"height: 14.5pt"><td height=3D"19" class=3D"x_1420601440x=
l67" style=3D"height: 14.5pt; border: 0.5pt solid windowtext">Non-Financial=
<br></td><td class=3D"x_1420601440xl67" style=3D"border: 0.5pt solid window=
text">Process lapse<br></td><td class=3D"x_1420601440xl67" style=3D"border:=
 0.5pt solid windowtext">SF0045822<br></td><td class=3D"x_1420601440xl67" s=
tyle=3D"border: 0.5pt solid windowtext">Shivraj Hajeri<br></td><td class=3D=
"x_1420601440xl67" style=3D"border: 0.5pt solid windowtext">Branch Manager<=
br></td><td class=3D"x_1420601440xl67" style=3D"border: 0.5pt solid windowt=
ext">Operations<br></td><td class=3D"x_1420601440xl67" style=3D"border: 0.5=
pt solid windowtext">MRGL0688<br></td><td class=3D"x_1420601440xl67" style=
=3D"border: 0.5pt solid windowtext">Kolhapur<br></td><td class=3D"x_1420601=
440xl67" style=3D"border: 0.5pt solid windowtext">MRGL0688<br></td><td clas=
s=3D"x_1420601440xl67" style=3D"border: 0.5pt solid windowtext">Kolhapur<br=
></td><td class=3D"x_1420601440xl67" style=3D"border: 0.5pt solid windowtex=
t">Kolhapur<br></td><td class=3D"x_1420601440xl67" style=3D"border: 0.5pt s=
olid windowtext">Pune<br></td><td class=3D"x_1420601440xl67" style=3D"borde=
r: 0.5pt solid windowtext; width: 74px"><div>During a sample-based verifica=
tion of the E-Sign Loan Disbursement process, it was observed that the borr=
ower's live photographs were not captured during the Group Recognition Test=
 (GRT) Instead of, photographs previously captured on a mobile phone Galler=
y were uploaded by the Branch Manager and LO's in the FIMO application for =
HV and GRT verification<br></div><div><br></div><div>Sr. No. Center Name Gr=
oup Name Customer Name Form NO / BAR code Loan ID Client Type HV Date GRT D=
ate Disbursed Date Loan Amoun<br></div><div>1 59925 700381 LAXMI SHIVAJI SO=
NTAKKE LOS7728444 360715464 New 29-Jun-26 29-Jun-26 29-Jun-26 60,000.00<br>=
</div><div>2 59925 700381 LAXMI SUBHASH DAVALE LOS7727871 360714237 New 29-=
Jun-26 29-Jun-26 29-Jun-26 60,000.00<br></div></td><td class=3D"x_142060144=
0xl67" style=3D"border: 0.5pt solid windowtext; width: 69.1563px">29-Jun-20=
26<br></td><td class=3D"x_1420601440xl67" style=3D"border: 0.5pt solid wind=
owtext; width: 61.0104px">18-Sep-2026<br></td><td class=3D"x_1420601440xl67=
" style=3D"border: 0.5pt solid windowtext">No<br></td><td class=3D"x_142060=
1440xl67" style=3D"border: 0.5pt solid windowtext">SF0097792<br></td><td cl=
ass=3D"x_1420601440xl67" style=3D"border: 0.5pt solid windowtext">Aniket Aj=
it Chiparge<br></td><td class=3D"x_1420601440xl67" style=3D"border: 0.5pt s=
olid windowtext">Operations<br></td><td class=3D"x_1420601440xl67" style=3D=
"border: 0.5pt solid windowtext">&nbsp;<br></td></tr></tbody></table><div><=
br></div><div><br></div></div></div></blockquote></div><div><br></div><div =
id=3D"x_570802910"><p class=3D"MsoNormal" style=3D"margin: 0cm"><span class=
=3D"highlight" style=3D"background-color:white"><span class=3D"font" style=
=3D"font-family:Aptos, sans-serif"><span class=3D"size" style=3D"font-size:=
 12pt; margin: 0cm;"><span class=3D"colour" style=3D"color:red"><span class=
=3D"font" style=3D"font-family:&quot;Arial Rounded MT Bold&quot;, sans-seri=
f">Parful Sambhaji Taware</span></span><br></span></span></span></p><p clas=
s=3D"MsoNormal" style=3D"margin: 0cm 0cm 12pt"><span class=3D"highlight" st=
yle=3D"background-color:white"><span class=3D"font" style=3D"font-family:Ap=
tos, sans-serif"><span class=3D"size" style=3D"font-size: 12pt; margin: 0cm=
 0cm 12pt;"><span class=3D"colour" style=3D"color:black"><span class=3D"fon=
t" style=3D"font-family:Arial, sans-serif"><span class=3D"size" style=3D"fo=
nt-size:10pt">Manager | Human Resources | MH<br> M: 9960384865<br> Spandana=
 Sphoorty Financial Limited</span></span></span><span class=3D"colour" styl=
e=3D"color:rgb(12, 100, 192)"><span class=3D"font" style=3D"font-family:&qu=
ot;Times New Roman&quot;, serif"><span class=3D"size" style=3D"font-size:10=
pt"><br> </span></span></span><span class=3D"highlight" style=3D"background=
-color:white"><span class=3D"colour" style=3D"color:black"><span class=3D"f=
ont" style=3D"font-family:Arial, sans-serif"><span class=3D"size" style=3D"=
font-size:10pt">H. No. 624/B1, 1st&nbsp;Floor, Near Samarth Society, Bakul =
Nagar, Bibwewadi, Pune, MH&nbsp;=E2=80=93 411037</span></span></span></span=
> <br></span></span></span></p></div><div><br></div><div class=3D"x_5708029=
10zmail_extra_hr" style=3D"border-top: 1px solid rgb(204, 204, 204); min-he=
ight: 0px; margin-top: 10px; margin-bottom: 10px; line-height: 0px"><br></d=
iv><div class=3D"x_570802910zmail_extra"><div><br></div><div id=3D"x_570802=
9101">From: Parful Taware &lt;<a href=3D"mailto:parfulsambhaji.taware@spand=
anasphoorty.com" target=3D"_blank">parfulsambhaji.taware@spandanasphoorty.c=
om</a>&gt;<br>To: "Sumit Chandanshive"&lt;<a href=3D"mailto:sumit.chandansh=
ive@spandanasphoorty.com" target=3D"_blank">sumit.chandanshive@spandanaspho=
orty.com</a>&gt;, "Aniket Chiparge"&lt;<a href=3D"mailto:aniket.ajit@spanda=
nasphoorty.com" target=3D"_blank">aniket.ajit@spandanasphoorty.com</a>&gt;<=
br>Cc: "Sudarshan Patil"&lt;<a href=3D"mailto:sudarshan.patil@spandanasphoo=
rty.com" target=3D"_blank">sudarshan.patil@spandanasphoorty.com</a>&gt;, "V=
inod Goswami"&lt;<a href=3D"mailto:vinod.puri@spandanasphoorty.com" target=
=3D"_blank">vinod.puri@spandanasphoorty.com</a>&gt;<br>Date: Mon, 28 Sep 20=
26 16:35:51 +0530<br>Subject: Re: Non Financial cases Pending<br></div><div=
><br></div><blockquote id=3D"x_570802910blockquote_zmail" style=3D"margin: =
0px"><div><div style=3D"font-family: Verdana, Arial, Helvetica, sans-serif;=
 font-size: 10pt"><p class=3D"x_1440976238xmsonormal" style=3D"margin: 0cm;=
 font-style: normal; font-weight: 400; letter-spacing: normal; orphans: 2; =
text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; white=
-space: normal"><span class=3D"highlight" style=3D"background-color:rgb(255=
, 255, 255)"><span class=3D"colour" style=3D"color:rgb(0, 0, 0)"><span clas=
s=3D"font" style=3D"font-family:Aptos, sans-serif"><span class=3D"size" sty=
le=3D"font-size: 12pt; margin: 0cm; font-style: normal; font-weight: 400; l=
etter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; =
widows: 2; word-spacing: 0px; white-space: normal;"><span class=3D"size" st=
yle=3D"font-size:11pt">Dear Sir,</span><br></span></span></span></span></p>=
<p class=3D"x_1440976238xmsonormal" style=3D"margin: 0cm; font-style: norma=
l; font-weight: 400; letter-spacing: normal; orphans: 2; text-indent: 0px; =
text-transform: none; widows: 2; word-spacing: 0px; white-space: normal"><s=
pan class=3D"highlight" style=3D"background-color:rgb(255, 255, 255)"><span=
 class=3D"colour" style=3D"color:rgb(0, 0, 0)"><span class=3D"font" style=
=3D"font-family:Aptos, sans-serif"><span class=3D"size" style=3D"font-size:=
 12pt; margin: 0cm; font-style: normal; font-weight: 400; letter-spacing: n=
ormal; orphans: 2; text-indent: 0px; text-transform: none; widows: 2; word-=
spacing: 0px; white-space: normal;"><span class=3D"colour" style=3D"color:b=
lack"><span class=3D"size" style=3D"font-size:11pt"><br>there is only 01 no=
n-financial&nbsp;cases are pending for Pune, please give your recommendatio=
n so we can take final approval.</span></span></span></span></span></span><=
/p><div><br></div><table border=3D"1" cellpadding=3D"0" cellspacing=3D"0" s=
tyle=3D"border-collapse: collapse"><colgroup><col width=3D"64" span=3D"17" =
style=3D"width: 48pt"><col width=3D"115" style=3D"width: 87pt"><col width=
=3D"129" style=3D"width: 97pt"><col width=3D"115" style=3D"width: 87pt"></c=
olgroup><tbody><tr height=3D"44" style=3D"height: 33.4pt"><td height=3D"44"=
 class=3D"x_1420601440xl65" width=3D"64" style=3D"height: 33.4pt; width: 48=
pt; color: windowtext; font-weight: 700; font-family: Calibri; text-align: =
center; vertical-align: middle; border: 0.5pt solid windowtext; background:=
 lightgrey; white-space: normal">Type of Complaint<br></td><td class=3D"x_1=
420601440xl65" width=3D"64" style=3D"border: 0.5pt solid windowtext; width:=
 48pt; color: windowtext; font-weight: 700; font-family: Calibri; text-alig=
n: center; vertical-align: middle; background: lightgrey; white-space: norm=
al">Case Nature<br></td><td class=3D"x_1420601440xl65" width=3D"64" style=
=3D"border: 0.5pt solid windowtext; width: 48pt; color: windowtext; font-we=
ight: 700; font-family: Calibri; text-align: center; vertical-align: middle=
; background: lightgrey; white-space: normal">Employee Code<br></td><td cla=
ss=3D"x_1420601440xl65" width=3D"64" style=3D"border: 0.5pt solid windowtex=
t; width: 48pt; color: windowtext; font-weight: 700; font-family: Calibri; =
text-align: center; vertical-align: middle; background: lightgrey; white-sp=
ace: normal">Name of the Staff Involved<br></td><td class=3D"x_1420601440xl=
65" width=3D"64" style=3D"border: 0.5pt solid windowtext; width: 48pt; colo=
r: windowtext; font-weight: 700; font-family: Calibri; text-align: center; =
vertical-align: middle; background: lightgrey; white-space: normal">Employe=
e Designation<br></td><td class=3D"x_1420601440xl65" width=3D"64" style=3D"=
border: 0.5pt solid windowtext; width: 48pt; color: windowtext; font-weight=
: 700; font-family: Calibri; text-align: center; vertical-align: middle; ba=
ckground: lightgrey; white-space: normal">Department<br></td><td class=3D"x=
_1420601440xl65" width=3D"64" style=3D"border: 0.5pt solid windowtext; widt=
h: 48pt; color: windowtext; font-weight: 700; font-family: Calibri; text-al=
ign: center; vertical-align: middle; background: lightgrey; white-space: no=
rmal">Branch Code<br></td><td class=3D"x_1420601440xl65" width=3D"64" style=
=3D"border: 0.5pt solid windowtext; width: 48pt; color: windowtext; font-we=
ight: 700; font-family: Calibri; text-align: center; vertical-align: middle=
; background: lightgrey; white-space: normal">Branch Name<br></td><td class=
=3D"x_1420601440xl65" width=3D"64" style=3D"border: 0.5pt solid windowtext;=
 width: 48pt; color: windowtext; font-weight: 700; font-family: Calibri; te=
xt-align: center; vertical-align: middle; background: lightgrey; white-spac=
e: normal">Actual Fraud Branch Code<br></td><td class=3D"x_1420601440xl65" =
width=3D"64" style=3D"border: 0.5pt solid windowtext; width: 48pt; color: w=
indowtext; font-weight: 700; font-family: Calibri; text-align: center; vert=
ical-align: middle; background: lightgrey; white-space: normal">Actual Frau=
d Branch Name<br></td><td class=3D"x_1420601440xl65" width=3D"64" style=3D"=
border: 0.5pt solid windowtext; width: 48pt; color: windowtext; font-weight=
: 700; font-family: Calibri; text-align: center; vertical-align: middle; ba=
ckground: lightgrey; white-space: normal">Area<br></td><td class=3D"x_14206=
01440xl65" width=3D"64" style=3D"border: 0.5pt solid windowtext; width: 48p=
t; color: windowtext; font-weight: 700; font-family: Calibri; text-align: c=
enter; vertical-align: middle; background: lightgrey; white-space: normal">=
Region<br></td><td class=3D"x_1420601440xl65" width=3D"64" style=3D"border:=
 0.5pt solid windowtext; width: 74px; color: windowtext; font-weight: 700; =
font-family: Calibri; text-align: center; vertical-align: middle; backgroun=
d: lightgrey; white-space: normal">Charges or Allegation<br></td><td class=
=3D"x_1420601440xl65" width=3D"64" style=3D"border: 0.5pt solid windowtext;=
 width: 69.1563px; color: windowtext; font-weight: 700; font-family: Calibr=
i; text-align: center; vertical-align: middle; background: lightgrey; white=
-space: normal">Date of Incident<br></td><td class=3D"x_1420601440xl65" wid=
th=3D"64" style=3D"border: 0.5pt solid windowtext; width: 61.0104px; color:=
 windowtext; font-weight: 700; font-family: Calibri; text-align: center; ve=
rtical-align: middle; background: lightgrey; white-space: normal">Date of I=
dentification<br></td><td class=3D"x_1420601440xl65" width=3D"64" style=3D"=
border: 0.5pt solid windowtext; width: 48pt; color: windowtext; font-weight=
: 700; font-family: Calibri; text-align: center; vertical-align: middle; ba=
ckground: lightgrey; white-space: normal">Is Rakshak<br></td><td class=3D"x=
_1420601440xl65" width=3D"64" style=3D"border: 0.5pt solid windowtext; widt=
h: 48pt; color: windowtext; font-weight: 700; font-family: Calibri; text-al=
ign: center; vertical-align: middle; background: lightgrey; white-space: no=
rmal">Raised By Employee ID<br></td><td class=3D"x_1420601440xl65" width=3D=
"115" style=3D"border: 0.5pt solid windowtext; width: 87pt; color: windowte=
xt; font-weight: 700; font-family: Calibri; text-align: center; vertical-al=
ign: middle; background: lightgrey; white-space: normal">Raised By Employee=
 Name<br></td><td class=3D"x_1420601440xl65" width=3D"129" style=3D"border:=
 0.5pt solid windowtext; width: 97pt; color: windowtext; font-weight: 700; =
font-family: Calibri; text-align: center; vertical-align: middle; backgroun=
d: lightgrey; white-space: normal">Raised by Employee Department<br></td><t=
d class=3D"x_1420601440xl66" width=3D"115" style=3D"border: 0.5pt solid win=
dowtext; width: 87pt; color: windowtext; font-weight: 700; font-family: Cal=
ibri; text-align: center; vertical-align: middle; background: yellow; white=
-space: normal">Final Recommendation<br></td></tr><tr height=3D"19" style=
=3D"height: 14.5pt"><td height=3D"19" class=3D"x_1420601440xl67" style=3D"h=
eight: 14.5pt; border: 0.5pt solid windowtext">Non-Financial<br></td><td cl=
ass=3D"x_1420601440xl67" style=3D"border: 0.5pt solid windowtext">Process l=
apse<br></td><td class=3D"x_1420601440xl67" style=3D"border: 0.5pt solid wi=
ndowtext">SF0045822<br></td><td class=3D"x_1420601440xl67" style=3D"border:=
 0.5pt solid windowtext">Shivraj Hajeri<br></td><td class=3D"x_1420601440xl=
67" style=3D"border: 0.5pt solid windowtext">Branch Manager<br></td><td cla=
ss=3D"x_1420601440xl67" style=3D"border: 0.5pt solid windowtext">Operations=
<br></td><td class=3D"x_1420601440xl67" style=3D"border: 0.5pt solid window=
text">MRGL0688<br></td><td class=3D"x_1420601440xl67" style=3D"border: 0.5p=
t solid windowtext">Kolhapur<br></td><td class=3D"x_1420601440xl67" style=
=3D"border: 0.5pt solid windowtext">MRGL0688<br></td><td class=3D"x_1420601=
440xl67" style=3D"border: 0.5pt solid windowtext">Kolhapur<br></td><td clas=
s=3D"x_1420601440xl67" style=3D"border: 0.5pt solid windowtext">Kolhapur<br=
></td><td class=3D"x_1420601440xl67" style=3D"border: 0.5pt solid windowtex=
t">Pune<br></td><td class=3D"x_1420601440xl67" style=3D"border: 0.5pt solid=
 windowtext; width: 74px"><div>During a sample-based verification of the E-=
Sign Loan Disbursement process, it was observed that the borrower's live ph=
otographs were not captured during the Group Recognition Test (GRT) Instead=
 of, photographs previously captured on a mobile phone Gallery were uploade=
d by the Branch Manager and LO's in the FIMO application for HV and GRT ver=
ification<br></div><div><br></div><div>Sr. No. Center Name Group Name Custo=
mer Name Form NO / BAR code Loan ID Client Type HV Date GRT Date Disbursed =
Date Loan Amoun<br></div><div>1 59925 700381 LAXMI SHIVAJI SONTAKKE LOS7728=
444 360715464 New 29-Jun-26 29-Jun-26 29-Jun-26 60,000.00<br></div><div>2 5=
9925 700381 LAXMI SUBHASH DAVALE LOS7727871 360714237 New 29-Jun-26 29-Jun-=
26 29-Jun-26 60,000.00<br></div></td><td class=3D"x_1420601440xl67" style=
=3D"border: 0.5pt solid windowtext; width: 69.1563px">29-Jun-2026<br></td><=
td class=3D"x_1420601440xl67" style=3D"border: 0.5pt solid windowtext; widt=
h: 61.0104px">18-Sep-2026<br></td><td class=3D"x_1420601440xl67" style=3D"b=
order: 0.5pt solid windowtext">No<br></td><td class=3D"x_1420601440xl67" st=
yle=3D"border: 0.5pt solid windowtext">SF0097792<br></td><td class=3D"x_142=
0601440xl67" style=3D"border: 0.5pt solid windowtext">Aniket Ajit Chiparge<=
br></td><td class=3D"x_1420601440xl67" style=3D"border: 0.5pt solid windowt=
ext">Operations<br></td><td class=3D"x_1420601440xl67" style=3D"border: 0.5=
pt solid windowtext">&nbsp;<br></td></tr></tbody></table><div><br></div><di=
v><br></div><div id=3D"x_727530512"><p class=3D"MsoNormal" style=3D"margin:=
 0cm"><span class=3D"highlight" style=3D"background-color:white"><span clas=
s=3D"font" style=3D"font-family:Aptos, sans-serif"><span class=3D"size" sty=
le=3D"font-size: 12pt; margin: 0cm;"><span class=3D"colour" style=3D"color:=
red"><span class=3D"font" style=3D"font-family:&quot;Arial Rounded MT Bold&=
quot;, sans-serif">Parful Sambhaji Taware</span></span><br></span></span></=
span></p><p class=3D"MsoNormal" style=3D"margin: 0cm 0cm 12pt"><span class=
=3D"highlight" style=3D"background-color:white"><span class=3D"font" style=
=3D"font-family:Aptos, sans-serif"><span class=3D"size" style=3D"font-size:=
 12pt; margin: 0cm 0cm 12pt;"><span class=3D"colour" style=3D"color:black">=
<span class=3D"font" style=3D"font-family:Arial, sans-serif"><span class=3D=
"size" style=3D"font-size:10pt">Manager | Human Resources | MH<br> M: 99603=
84865<br> Spandana Sphoorty Financial Limited</span></span></span><span cla=
ss=3D"colour" style=3D"color:rgb(12, 100, 192)"><span class=3D"font" style=
=3D"font-family:&quot;Times New Roman&quot;, serif"><span class=3D"size" st=
yle=3D"font-size:10pt"><br> </span></span></span><span class=3D"highlight" =
style=3D"background-color:white"><span class=3D"colour" style=3D"color:blac=
k"><span class=3D"font" style=3D"font-family:Arial, sans-serif"><span class=
=3D"size" style=3D"font-size:10pt">H. No. 624/B1, 1st&nbsp;Floor, Near Sama=
rth Society, Bakul Nagar, Bibwewadi, Pune, MH&nbsp;=E2=80=93 411037</span><=
/span></span></span> <br></span></span></span></p></div><div><br></div><div=
 class=3D"x_727530512zmail_extra_hr" style=3D"border-top: 1px solid rgb(204=
, 204, 204); min-height: 0px; margin-top: 10px; margin-bottom: 10px; line-h=
eight: 0px"><br></div><div class=3D"x_727530512zmail_extra"><div><br></div>=
<div id=3D"x_7275305121">From: Parful Taware &lt;<a href=3D"mailto:parfulsa=
mbhaji.taware@spandanasphoorty.com" target=3D"_blank">parfulsambhaji.taware=
@spandanasphoorty.com</a>&gt;<br>To: "Aniket Chiparge"&lt;<a href=3D"mailto=
:aniket.ajit@spandanasphoorty.com" target=3D"_blank">aniket.ajit@spandanasp=
hoorty.com</a>&gt;<br>Cc: "Sudarshan Patil"&lt;<a href=3D"mailto:sudarshan.=
patil@spandanasphoorty.com" target=3D"_blank">sudarshan.patil@spandanasphoo=
rty.com</a>&gt;, "Vinod Goswami"&lt;<a href=3D"mailto:vinod.puri@spandanasp=
hoorty.com" target=3D"_blank">vinod.puri@spandanasphoorty.com</a>&gt;<br>Da=
te: Mon, 28 Sep 2026 10:50:22 +0530<br>Subject: Non Financial cases Pending=
<br></div><div><br></div><blockquote id=3D"x_727530512blockquote_zmail" sty=
le=3D"margin: 0px"><div><div style=3D"font-family: Verdana, Arial, Helvetic=
a, sans-serif; font-size: 10pt"><p class=3D"x_1440976238xmsonormal" style=
=3D"margin: 0cm; font-style: normal; font-weight: 400; letter-spacing: norm=
al; orphans: 2; text-indent: 0px; text-transform: none; widows: 2; word-spa=
cing: 0px; white-space: normal"><span class=3D"highlight" style=3D"backgrou=
nd-color:rgb(255, 255, 255)"><span class=3D"colour" style=3D"color:rgb(0, 0=
, 0)"><span class=3D"font" style=3D"font-family:Aptos, sans-serif"><span cl=
ass=3D"size" style=3D"font-size: 12pt; margin: 0cm; font-style: normal; fon=
t-weight: 400; letter-spacing: normal; orphans: 2; text-indent: 0px; text-t=
ransform: none; widows: 2; word-spacing: 0px; white-space: normal;"><span c=
lass=3D"size" style=3D"font-size:11pt">Dear Sir,</span><br></span></span></=
span></span></p><p class=3D"x_1440976238xmsonormal" style=3D"margin: 0cm; f=
ont-style: normal; font-weight: 400; letter-spacing: normal; orphans: 2; te=
xt-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; white-s=
pace: normal"><span class=3D"highlight" style=3D"background-color:rgb(255, =
255, 255)"><span class=3D"colour" style=3D"color:rgb(0, 0, 0)"><span class=
=3D"font" style=3D"font-family:Aptos, sans-serif"><span class=3D"size" styl=
e=3D"font-size: 12pt; margin: 0cm; font-style: normal; font-weight: 400; le=
tter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; w=
idows: 2; word-spacing: 0px; white-space: normal;"><span class=3D"colour" s=
tyle=3D"color:black"><span class=3D"size" style=3D"font-size:11pt"><br>ther=
e is only 01 non-financial&nbsp;cases are pending, please give your recomme=
ndation so we can take final approval.</span></span></span></span></span></=
span></p><div><br></div><table border=3D"1" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"border-collapse: collapse"><colgroup><col width=3D"64" span=
=3D"17" style=3D"width: 48pt"><col width=3D"115" style=3D"width: 87pt"><col=
 width=3D"129" style=3D"width: 97pt"><col width=3D"115" style=3D"width: 87p=
t"></colgroup><tbody><tr height=3D"44" style=3D"height: 33.4pt"><td height=
=3D"44" class=3D"x_1420601440xl65" width=3D"64" style=3D"height: 33.4pt; wi=
dth: 48pt; color: windowtext; font-weight: 700; font-family: Calibri; text-=
align: center; vertical-align: middle; border: 0.5pt solid windowtext; back=
ground: lightgrey; white-space: normal">Type of
  Complaint<br></td><td class=3D"x_1420601440xl65" width=3D"64" style=3D"bo=
rder: 0.5pt solid windowtext; width: 48pt; color: windowtext; font-weight: =
700; font-family: Calibri; text-align: center; vertical-align: middle; back=
ground: lightgrey; white-space: normal">Case Nature<br></td><td class=3D"x_=
1420601440xl65" width=3D"64" style=3D"border: 0.5pt solid windowtext; width=
: 48pt; color: windowtext; font-weight: 700; font-family: Calibri; text-ali=
gn: center; vertical-align: middle; background: lightgrey; white-space: nor=
mal">Employee Code<br></td><td class=3D"x_1420601440xl65" width=3D"64" styl=
e=3D"border: 0.5pt solid windowtext; width: 48pt; color: windowtext; font-w=
eight: 700; font-family: Calibri; text-align: center; vertical-align: middl=
e; background: lightgrey; white-space: normal">Name of the Staff
  Involved<br></td><td class=3D"x_1420601440xl65" width=3D"64" style=3D"bor=
der: 0.5pt solid windowtext; width: 48pt; color: windowtext; font-weight: 7=
00; font-family: Calibri; text-align: center; vertical-align: middle; backg=
round: lightgrey; white-space: normal">Employee
  Designation<br></td><td class=3D"x_1420601440xl65" width=3D"64" style=3D"=
border: 0.5pt solid windowtext; width: 48pt; color: windowtext; font-weight=
: 700; font-family: Calibri; text-align: center; vertical-align: middle; ba=
ckground: lightgrey; white-space: normal">Department<br></td><td class=3D"x=
_1420601440xl65" width=3D"64" style=3D"border: 0.5pt solid windowtext; widt=
h: 48pt; color: windowtext; font-weight: 700; font-family: Calibri; text-al=
ign: center; vertical-align: middle; background: lightgrey; white-space: no=
rmal">Branch Code<br></td><td class=3D"x_1420601440xl65" width=3D"64" style=
=3D"border: 0.5pt solid windowtext; width: 48pt; color: windowtext; font-we=
ight: 700; font-family: Calibri; text-align: center; vertical-align: middle=
; background: lightgrey; white-space: normal">Branch Name<br></td><td class=
=3D"x_1420601440xl65" width=3D"64" style=3D"border: 0.5pt solid windowtext;=
 width: 48pt; color: windowtext; font-weight: 700; font-family: Calibri; te=
xt-align: center; vertical-align: middle; background: lightgrey; white-spac=
e: normal">Actual Fraud
  Branch Code<br></td><td class=3D"x_1420601440xl65" width=3D"64" style=3D"=
border: 0.5pt solid windowtext; width: 48pt; color: windowtext; font-weight=
: 700; font-family: Calibri; text-align: center; vertical-align: middle; ba=
ckground: lightgrey; white-space: normal">Actual Fraud
  Branch Name<br></td><td class=3D"x_1420601440xl65" width=3D"64" style=3D"=
border: 0.5pt solid windowtext; width: 48pt; color: windowtext; font-weight=
: 700; font-family: Calibri; text-align: center; vertical-align: middle; ba=
ckground: lightgrey; white-space: normal">Area<br></td><td class=3D"x_14206=
01440xl65" width=3D"64" style=3D"border: 0.5pt solid windowtext; width: 48p=
t; color: windowtext; font-weight: 700; font-family: Calibri; text-align: c=
enter; vertical-align: middle; background: lightgrey; white-space: normal">=
Region<br></td><td class=3D"x_1420601440xl65" width=3D"64" style=3D"border:=
 0.5pt solid windowtext; width: 74px; color: windowtext; font-weight: 700; =
font-family: Calibri; text-align: center; vertical-align: middle; backgroun=
d: lightgrey; white-space: normal">Charges or
  Allegation<br></td><td class=3D"x_1420601440xl65" width=3D"64" style=3D"b=
order: 0.5pt solid windowtext; width: 69.1563px; color: windowtext; font-we=
ight: 700; font-family: Calibri; text-align: center; vertical-align: middle=
; background: lightgrey; white-space: normal">Date of Incident<br></td><td =
class=3D"x_1420601440xl65" width=3D"64" style=3D"border: 0.5pt solid window=
text; width: 61.0104px; color: windowtext; font-weight: 700; font-family: C=
alibri; text-align: center; vertical-align: middle; background: lightgrey; =
white-space: normal">Date of
  Identification<br></td><td class=3D"x_1420601440xl65" width=3D"64" style=
=3D"border: 0.5pt solid windowtext; width: 48pt; color: windowtext; font-we=
ight: 700; font-family: Calibri; text-align: center; vertical-align: middle=
; background: lightgrey; white-space: normal">Is Rakshak<br></td><td class=
=3D"x_1420601440xl65" width=3D"64" style=3D"border: 0.5pt solid windowtext;=
 width: 48pt; color: windowtext; font-weight: 700; font-family: Calibri; te=
xt-align: center; vertical-align: middle; background: lightgrey; white-spac=
e: normal">Raised By
  Employee ID<br></td><td class=3D"x_1420601440xl65" width=3D"115" style=3D=
"border: 0.5pt solid windowtext; width: 87pt; color: windowtext; font-weigh=
t: 700; font-family: Calibri; text-align: center; vertical-align: middle; b=
ackground: lightgrey; white-space: normal">Raised By
  Employee Name<br></td><td class=3D"x_1420601440xl65" width=3D"129" style=
=3D"border: 0.5pt solid windowtext; width: 97pt; color: windowtext; font-we=
ight: 700; font-family: Calibri; text-align: center; vertical-align: middle=
; background: lightgrey; white-space: normal">Raised by
  Employee Department<br></td><td class=3D"x_1420601440xl66" width=3D"115" =
style=3D"border: 0.5pt solid windowtext; width: 87pt; color: windowtext; fo=
nt-weight: 700; font-family: Calibri; text-align: center; vertical-align: m=
iddle; background: yellow; white-space: normal">Final
  Recommendation<br></td></tr><tr height=3D"19" style=3D"height: 14.5pt"><t=
d height=3D"19" class=3D"x_1420601440xl67" style=3D"height: 14.5pt; border:=
 0.5pt solid windowtext">Non-Financial<br></td><td class=3D"x_1420601440xl6=
7" style=3D"border: 0.5pt solid windowtext">Process lapse<br></td><td class=
=3D"x_1420601440xl67" style=3D"border: 0.5pt solid windowtext">SF0045822<br=
></td><td class=3D"x_1420601440xl67" style=3D"border: 0.5pt solid windowtex=
t">Shivraj Hajeri<br></td><td class=3D"x_1420601440xl67" style=3D"border: 0=
.5pt solid windowtext">Branch Manager<br></td><td class=3D"x_1420601440xl67=
" style=3D"border: 0.5pt solid windowtext">Operations<br></td><td class=3D"=
x_1420601440xl67" style=3D"border: 0.5pt solid windowtext">MRGL0688<br></td=
><td class=3D"x_1420601440xl67" style=3D"border: 0.5pt solid windowtext">Ko=
lhapur<br></td><td class=3D"x_1420601440xl67" style=3D"border: 0.5pt solid =
windowtext">MRGL0688<br></td><td class=3D"x_1420601440xl67" style=3D"border=
: 0.5pt solid windowtext">Kolhapur<br></td><td class=3D"x_1420601440xl67" s=
tyle=3D"border: 0.5pt solid windowtext">Kolhapur<br></td><td class=3D"x_142=
0601440xl67" style=3D"border: 0.5pt solid windowtext">Pune<br></td><td clas=
s=3D"x_1420601440xl67" style=3D"border: 0.5pt solid windowtext; width: 74px=
"><div>During a sample-based
  verification of the E-Sign Loan Disbursement process, it was observed tha=
t
  the borrower's live photographs were not captured during the Group
  Recognition Test (GRT) Instead of, photographs previously captured on a
  mobile phone Gallery were uploaded by the Branch Manager and LO's in the =
FIMO
  application for HV and GRT verification<br></div><div><br></div><div>Sr. =
No.=09Center Name=09Group Name=09Customer Name=09Form NO / BAR code=09Loan
  ID=09Client Type=09HV Date=09GRT Date=09Disbursed Date=09Loan Amoun<br></=
div><div>1=0959925=09700381=09LAXMI SHIVAJI
  SONTAKKE=09LOS7728444=09360715464=09New=0929-Jun-26=0929-Jun-26=0929-Jun-=
26=0960,000.00<br></div><div>2=0959925=09700381=09LAXMI SUBHASH
  DAVALE=09LOS7727871=09360714237=09New=0929-Jun-26=0929-Jun-26=0929-Jun-26=
=0960,000.00<br></div></td><td class=3D"x_1420601440xl67" style=3D"border: =
0.5pt solid windowtext; width: 69.1563px">29-Jun-2026<br></td><td class=3D"=
x_1420601440xl67" style=3D"border: 0.5pt solid windowtext; width: 61.0104px=
">18-Sep-2026<br></td><td class=3D"x_1420601440xl67" style=3D"border: 0.5pt=
 solid windowtext">No<br></td><td class=3D"x_1420601440xl67" style=3D"borde=
r: 0.5pt solid windowtext">SF0097792<br></td><td class=3D"x_1420601440xl67"=
 style=3D"border: 0.5pt solid windowtext">Aniket Ajit Chiparge<br></td><td =
class=3D"x_1420601440xl67" style=3D"border: 0.5pt solid windowtext">Operati=
ons<br></td><td class=3D"x_1420601440xl67" style=3D"border: 0.5pt solid win=
dowtext">&nbsp;<br></td></tr></tbody></table><div><br></div><div class=3D"x=
_1420601440zmail_signature_below"><div><p class=3D"MsoNormal" style=3D"marg=
in: 0cm"><span class=3D"highlight" style=3D"background-color:white"><span c=
lass=3D"font" style=3D"font-family:Aptos, sans-serif"><span class=3D"size" =
style=3D"font-size: 12pt; margin: 0cm;"><span class=3D"colour" style=3D"col=
or:red"><span class=3D"font" style=3D"font-family:&quot;Arial Rounded MT Bo=
ld&quot;, sans-serif">Parful Sambhaji Taware</span></span><br></span></span=
></span></p><p class=3D"MsoNormal" style=3D"margin: 0cm 0cm 12pt"><span cla=
ss=3D"highlight" style=3D"background-color:white"><span class=3D"font" styl=
e=3D"font-family:Aptos, sans-serif"><span class=3D"size" style=3D"font-size=
: 12pt; margin: 0cm 0cm 12pt;"><span class=3D"colour" style=3D"color:black"=
><span class=3D"font" style=3D"font-family:Arial, sans-serif"><span class=
=3D"size" style=3D"font-size:10pt">Manager | Human Resources | MH<br> M: 99=
60384865<br> Spandana Sphoorty Financial Limited</span></span></span><span =
class=3D"colour" style=3D"color:rgb(12, 100, 192)"><span class=3D"font" sty=
le=3D"font-family:&quot;Times New Roman&quot;, serif"><span class=3D"size" =
style=3D"font-size:10pt"><br> </span></span></span><span class=3D"highlight=
" style=3D"background-color:white"><span class=3D"colour" style=3D"color:bl=
ack"><span class=3D"font" style=3D"font-family:Arial, sans-serif"><span cla=
ss=3D"size" style=3D"font-size:10pt">H. No. 624/B1, 1st&nbsp;Floor, Near Sa=
marth Society, Bakul Nagar, Bibwewadi, Pune, MH&nbsp;=E2=80=93 411037</span=
></span></span></span> <br></span></span></span></p></div></div><div><br></=
div></div><br></div></blockquote></div><div><br></div></div><br></div></blo=
ckquote></div><div><br></div></div><br></div></blockquote></blockquote></di=
v><div><br></div></div><br></div></blockquote></div><div><br></div></div><b=
r></body></html>
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