KYC Verification & Account Approval
Maker (Teller) verifies · Checker (Branch Mgr) approves
Applications
KYC checklist
PAN verified (NSDL)Required
Aadhaar e-KYC (UIDAI)Required
Photo / video KYC matchRequired
AML & sanctions screeningAuto
Duplicate customer (CIF) checkAuto
Account number and customer ID are generated only after approval.
Cash Counter
Deposit · withdrawal · cheque
Cash deposit / withdrawal
Denomination counter
PAN mandatory at ₹ 50,000+. Cash above ₹ 10 L needs supervisor approval and is reported to the regulator.
UPI & Digital Services
Requests (UPI · Add money · Withdrawal)
Service requests
Issue debit card
Activate net banking
Reset UPI PIN
Block lost card
Update mobile number
UPI registrationVerify mobile + device
Loan Desk
Type-wise checks and sanction
Loan queue
Checklist by loan type
| Loan | Key checks | Sanction authority |
|---|---|---|
| Gold | Purity test · LTV ≤ 75% · vault entry | Loan Officer / BM |
| Vehicle | Invoice · insurance · RC lien | BM |
| Home / LAP | Title · valuation · legal opinion | BM up to ₹10 L, then Admin |
| Personal | Income · bureau score | BM |
| Business | GST · ITR · collateral | Admin |
| Agri | Land record · crop plan | BM |
Gold Appraisal
Appraiser records weight, purity and vault tag
Appraisal
Rules
Max LTV75%
Purity testAcid / XRF
StorageSealed bag in vault
ReleaseAfter full repayment
Maker–Checker Workflow
No single person can create and approve the same entry
TellerMaker enters request
➜
Branch MgrChecker approves ≤ ₹ 10 L
➜
AdminFinal approval above limit
➜
Bank CorePosts entry
➜
SystemAudit log + alert