2. Detailed Findings
Loan Processing: The branch manager processed 3 loans using documents that were not genuine. The lapses in the KYC verification process allowed these loans to be approved without proper due diligence.

Misappropriation of Funds: Alongside the illicit approval of these loans, the misappropriation of the amounts totaling Rs.197247 was confirmed. This indicates significant internal control failures and opportunistic exploitation of the system.                                                                                                                                                                                                       Notice of Inquiry (Video Call)
Branch Manager Balwant Singh / SF0072519 was added to the inquiry. The allegations against Branch Manager Balwant Singh / SF0072519 were read out and explained to him, and he was asked to present any evidence in his defense. However, he was unable to present any evidence before the Zonal Committee members to prove his innocence. The fraud amount of Rs. 137,627 has not yet been recovered.