1
Physical Cash Verification
Reconcile physical cash by denominations and identify mismatches from previous audit records and current spend
2
Asset Tracking
Account for all physical branch assets like furniture, fixtures, computers, etc
3
Process Compliance
Sampling Survey
Measure Process Compliance
A 100% configurable questionnaire that measures every unit level processes with weighted scoring system
- Field Process: CGTs, GRT, Disbursements, Recovery, OD follow-ups, Household Verification, Sourcing & Collection.
- Back-End Activity: Administration, Documentation, Cash Management, and MIS processes.
- Customer Contact: Customer Awareness, Individual & Group Loans, OD Loans, and SOPs compliance.
- Each questionnaire response carries a score; the system auto-calculates weighted sub-process and overall process scores.
Non Sampling Survey
Issue Based Investigation
A 100% configurable questionnaire that measures every unit level processes with weighted scoring system
- Captures fraud and non-compliance incidents with full detail: employee involved, customer affected, product, root cause, and remediation action.
- Each observation is classified by severity: L0 (Fraud / High Risk), L1 (Major), L2 (Minor).
- Negative score assigned to each observation type — automatically factored into the branch's final audit grade.
- Supports ad-hoc investigation surveys for reported incidents outside the regular audit cycle.
- All non-sampling observations must be agreed upon by the responsible manager before the audit can be formally closed.
4
Audit Score Sheet
Grade Branches based on Audit Scores auto calculated from all parameters that are weighted by their impact on overall performance
5
Detailed Reports
Final Audit Reports of Branches are reviewed by respective Area Managers for revisions before being published to the system