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THE TAMILNADU INDUSTRIAL INVESTMENTCORPORATION LIMITED
(Sponsored by the Govt. of Tamil Nadu)
692, Anna Salai, Nandanam, Chennai - 600 035
PHONE
FAX
WEB
PAN
TAN
SALES TAX TIN
SERVICE TAX REGN No.
STC No.
24331203
24347209
[email protected] [email protected] [email protected]
www.tiic.in
AABCT 7737 M CHET 00 468 G
3302 1580 744
BOFS/chII/70/STC
AABCT 7737 MST 001
2
INDEX
Sl.No. Topic Page No.1. Abbreviations 4
2. Background 6
3. Objective of the Handbook 8
4. Organisation 10
5. Functions of the organization 18
6. The norms set by the Corporation for discharge of functions
24
7 . Powers and duties of Officers and Employees 28
8. The Procedure followed in decision making process, including channels of supervision and accountability
35
9. The rules, regulations, instructions. manuals and records, held by it or under its control or used by its employees for discharging its functions
70
10. A Statement of the categories of documents that are held by it or under its control
72
11. The Particulars of any arrangement for consultation with, or representation by the member of the public in relation to the formulation of its policy or implementation there of
74
12. Details of Board / Committee 76
13 A directory of its officers and Employees 80
14. The monthly remuneration received by officers and Employees
81
15. The manner of execution of, including the amount allocated and details subsidy programmes of beneficiaries of such programmes
82
16. Particulars of recipients of concession 89
17. Details in respect of the information available to or held by it reduced in an electronic form
90
18. Public Information Officer, Assistant Public Information Officers and Appellate Authority
91
3
20.
21.
22.
23.
24.
25.
26.
Annexures :
Details of Schemes - Annexure I
Organisation Structure - Annexure II
The particulars of Directors – Annexure III
The Members of the Advisory Committee – Annexure IV
One Time Settlement policy circulars/guidelines- Annexure V
The name, designation and place of working of all the officials / employees – Annexure VI
Pay scales and other allowances for all the officials of the Corporation – Annexure – VII
The details of monthly remuneration received by each cadre of Offices and employees – Annexure VIII
94
107
108
109
110
121
137
139
4
ABBREVIATIONS
5
AGMAGAMCBBBMBSCCGMCLCSCMDDERDGMECEDEMETPFDF & RGMHRDHRMHoDsIEISOKYCLAALAOMDMISMi/Sm/MmMoUNAMTND & NDNEFNPANSICNOCODOTLOTSPEOP & MPLPSCPSUPIRQMSR & DRMSEZSIDCOSIDBISIPCOTSRMSMERASMETANSTIATLTIIC
Assistant General ManagerAccountant General of IndiaAnnual Maintenance ContractBackward BlocksBranch ManagerBranch Sanction CommitteeChief General ManagerCredit Linked Capital Subsidy SchemeChairman & Managing DirectorDebt Equity RatioDeputy General ManagerExecutive CommitteeExecutive DirectorEntrepreneurs MemorandumEffluent Treatment PlantFixed DepositFinance & Resource DepartmentGeneral ManagerHuman Resource DepartmentHuman Resource ManagementHead of DepartmentsIndustrial EstateIndian Standard OrganisationKnow Your CustomerLoan Administrative AssistantLoan Administrative OfficerManaging DirectorManagement Information SystemMicro/Small/MediumMemorandum of UnderstandingNew Anna Marumalarchi ThittamNon Discretionary and Non DiscriminatoryNational Equity FundNon Performing AssetsNational Small Industries Corporation Ltd.,No Objection CertificateOverduesOpen Term LoanOne Time SettlementProject Evaluation OfficerPlant & MachineryPrivilege LeavePreliminary Screening CommitteePublic Sector UndertakingsProject Information ReportQuality Management SystemResearch & DevelopmentRegional ManagerSpecial Export ZoneSmall Industries Development Corporation of Tamilnadu Ltd.,Small Industries Development Bank of IndiaState Industries Promotion Corporation of Tamilnadu Ltd.,Senior Regional ManagerSmall and Medium Enterprises Rating AgencySmall and Medium EnterprisesTamilnadu Small and Tiny Industries AssociationTerm LoanTamilnadu Industrial Investment Corporation Ltd.,
6
BACKGROUND
7
Background
The parliament has enacted the Right To Information Act 2005 to set out the
practical regime of right to information for the citizens of India, to secure the access to
the information available under the control of the Public Authorities, to promote
transparency and accountability on the working of every public authority. Section 3 of
the Act provides that all citizens shall have the right to information subject to the
provisions of the Act and “Information” means any material in any form including
records, documents, memos, e-mails, opinions, advices, press releases, circulars,
orders, logbooks, contracts, reports, papers, samples, models, data, material held in
any electronic form and information relating to any private body which can be
accessed by a public authority under any other law for the time being in force.
The Tamilnadu Industrial Investment Corporation Limited (TIIC) is a
government company incorporated under the Companies Act, 1913 and continues to
be a government company and it is a public authority under Section 2 (h) of the Right
to Information Act. In view of the mandatory requirement, it is necessary for the TIIC
to publish this hand book containing information under the Right to Information Act.
8
OBJECTIVE OF THE HANDBOOK
9
Objective of the Handbook
The primary objective of this handbook is to provide the necessary information to the
person interested in knowing the information of TIIC.
Every endeavor is made in providing all information, duties and responsibilities of the
officers in TIIC in discharging their functions in achieving the avowed objects of the organization.
This handbook contain all necessary information in detail, procedure followed in decision making,
records maintained and used by the employees, directory of officers and employees, details of
Assistant Public Information Officers, Public Information Officers and the Appellate Authority for
TIIC.
10
ORGANISATION
11
1. The particulars of Organisation:
1.1 Organisation:
The Tamilnadu Industrial Investment Corporation Limited (TIIC), a government
company incorporated under the Companies Act 1913 and continues to be a government
company under The Companies Act, 1956. The authorised share capital of the company is
Rs.300 Crores and the paid up capital of the company is Rs.283.4956 Crores.
1.2 Board of Directors :
TIIC is governed by the Board of Directors. The Directors are nominated by the Govt
of Tamilnadu and one of the Directors is nominated as Chairman of the Board. At the time of
nominating Managing Director, Small Industries Development Bank of India is consulted.
The details of Directors are as follows : (As on 15.11.2011)
Tvl.
Md.Nasimuddin, IAS, Chairman & Managing Director
Dr. Niranjan Mardi, IAS,
Principal Secretary to Government,Micro, Small & Medium Enterprises Department
M.S. Shanmugam, IAS, Joint Secretary to Government, Industries Department
Prashant Wadnere, IAS Under Secretary to Government, Finance Department Namgial, Chief General Manager, Small Industries Development Bank of India (SIDBI)
V. Sridharan, General Manager,
Small Industries Development Bank of India (SIDBI)
S.Sundar, CGM (Retd), SBI
DSM Jayarajan,General Secretary,Tamilnadu Small and Tiny Industries Association (TANSTIA)
12
1.3.There are various departments in the organisation and specific duties, powers are vested to the Officers concerned as detailed below:
Funds & Resources, Legal Dept & Deputy General Manager Computer Systems & Technology Upgradation Division
Rehabilitation Division & Loans monitoring Deputy General Manager Project Dept Deputy General Manager Recovery & NPA Management Division Deputy General ManagerHuman Resources Management, Board & Company Law Company SecretaryInternal Audit and ISO Dept Asst. General Manager
There are 6 Regional Offices viz., Chennai, Coimbatore, Madurai, Tirunelveli, Salem and Trichy. The following Branches reporting to the Regional offices stated below :
Name Telephone Grams Fax E-mail
REGIONAL OFFICES
1 CHENNAI 24315989 MINDVEST 24315161 [email protected] 'MHU' Complex,
692 Anna Salai,Nandanam,Chennai 600 035.
2 COIMBATOREUnited Shopping Complex, 94, Dr. Nanjappa Road, I Floor,
2380520 MINDVEST 2303316 [email protected]
Coimbatore - 641 018.
3. MADURAI 2533018 MINDVEST 2521619 [email protected]
No.1A East CPlot No.3,
Vaigai Colony, Anna Nagar,
Madurai – 625 020.
4. SALEM 2440344 MINDVEST 2431544 [email protected]
Sri Lakshmi Complex, I Floor,4/22, Omalur Main Road,
Swarnapuri,Salem 636 004.
13
5 TRICHY 2414177 MINDVEST 2416625 [email protected]
K.R.T. Building, II Floor,
33, Promenade Road,
Contonment, Trichy 620 001.
6. TIRUNELVELI 2602721 MINDVEST 2502182 [email protected] Hotel Sakunthala Shopping Complex,5C/5B, II Floor,Trivandrum Road, Vannarpet.Tirunelveli 627 003.
aBRANCH OFFICES 1)CHENNAI REGION CHENNAI 692 Anna Salai,Nandanam,Chennai 600 035.
24315979
b TAMBARAMPlot no.28, First Floor, Ayyasamy street, Tambaram west, Chennai 600 045.
22260910, 22260911
c TIRUVALLUR 26257664 MINDVEST [email protected]
86, C & D, II Main road,
Ambattur Industrial Estate,
Chennai - 600 058
d SPECIAL RECOVERY 24343903 MINDVEST [email protected]
BRANCH 692, Anna Salai,Nandanam,Chennai - 600 035.
e VELLORE 2249861 MINDVEST [email protected]
Vasan E.N.T. Clinic, Ist Floor, No.73/A, Katpadi Main Road, Gandhi Nagar, Vellore 632 006.
14
f Tiruvannamalai FO 253032 MINDVEST [email protected]
4-A, Lakshmipuram I Floor, Bye Pass Road,Gandhi Nagar,Thiruvannamalai – 606 602.
2) COIMBATORE REGION
a COIMBATORE 2380520 MINDVEST [email protected]
United Shopping Complex,
I Floor, Road,
Coimbatore - 641 018.
b TIRUPUR 2207489 MINDVEST [email protected] Shopping Complex,II Floor, Kumaran Road,
Near Railway Station,Tirupur – 641 601.
c ERODE 2262080 MINDVEST [email protected]/1, Dr. Gopinath Hospital Building, II Floor,Perundurai Road,Erode – 638 011.
d COIMBATORE (SRB) 2302121 MINDVEST [email protected] Shopping Complex, I Floor, 94, Dr. Nanjappa Road,Coimbatore - 641 018
a3)MADURAI REGION :MADURAI 2533331 MINDVEST [email protected],East Cross Street, (First Floor), Anna Nagar, Madurai
b DINDIGUL 2433785 MINDVEST [email protected] No.9, Spencer Compound(II Floor), Tiruvalluvar Salai,(Near Bus Stand),Dindigul-624 003.
15
C KARAIKUDI 238746 MINDVEST [email protected] P.P.K.A. Complex, II Floor,45, Shanmugaraja Road,Sekkalai Road,Karaikudi - 630 002.
d THENI (Field Office) 251982 MINDVEST [email protected], 1st Floor,Jagannathan Street,Old T.V.S. Road,Bungalamedu,Theni-625 531.
e RAMANATHAPURAM 232474 MINDVEST [email protected](Field Office)D.No.1130-C, First Floor,Opp to SothuraniRamnad Rameswaram Road,Bharathi Nagar,Ramanathapuram 623 504
a4) SALEM REGION SALEM 2440444 MINDVEST [email protected] Lakshmi Complex, I Floor,4/22, Omalur Main Road,Swarnapuri,Salem – 636 004.
b HOSUR 222876 MINDVEST [email protected]. No.49, No.7, II Cross,II Floor, Kamaraj Colony,Hosur – 635 109.
c DHARMAPURI 260866 MINDVEST [email protected] Buildings (Upstairs), Pennagaram Road,Dharmapuri – 636 702.
16
d NAMAKKAL 221068 MINDVEST [email protected]
Sri Bhuvaneswari Complex, II Floor,No.5/2, Dr. Sankaran Road,Namakkal 637 001.
a5) TRICHY REGION :TRICHY 2460498 MINDVEST [email protected]. Building, II Floor,
33, Promenade Road, Contonment, Trichy 620 001.
b THANJAVUR 230465 MINDVEST [email protected], South Main St.,IOB Building, II Floor,
Thanjavur - 613 009.
c KARUR 235581 MINDVEST [email protected]
526 North Pradakshnam Road,
LIC unit I Building, Karur 639 001 d PUDUKOTTAI 222354 MINDVEST [email protected] 'Mena Complex'
II Floor, T.S.No.2430/31,
West Main Street, Pudukottai - 622 001.
e CUDDALORE 230831 MINDVEST [email protected] Woodlands (Annexe), III Floor,1, Bharathi Road,Cuddalore - 607 001.
f VILLUPURAM 229131 MINDVEST [email protected], Ranganathan St., First Floor, Woodlands Complex,Trichy Trunk Road,Villupuram 605 602.
17
a
6) TIRUNELVELI REGIONTIRUNELVELI 2502038 MINDVEST [email protected]
Hotel Sakunthala Shopping
Complex, 5C/5B, II Floor, Trivandrum Road,
Vannarpet, Tirunelveli – 627 003.
b TUTICORIN 2346082 MINDVEST [email protected]/35, N.P.S. Complex, Polepettai, Near New Bus Stand,
c
Tuticorin - 628 002.
NAGERCOILNo.37 Cape Road.,Nagercoil 629 001.
232859 MINDVEST [email protected]
d VIRUDHUNAGAR FIELD OFFICE 243911 MINDVEST [email protected], Railway Feeder Road.,Virudhunagar 626 001.
e SIVAKASINo.1292-A, 1292-B, P.K.N. Road,(Near Rathina Vilas Bus stop),Sivakasi 626 189
277222 MINDVEST
Each Regional Office is headed by a Regional Manager and the Branch Office is headed by the Branch Manager designated from time to time. The Field Office is managed by an Officer designated.
18
FUNCTIONS OF THE ORGANISATION
19
2. Functions of the organization:
TIIC as a State Level Financial Institution, offers long and medium term financial
assistance to various industries including service sector in the following forms:
•Term Loans•Term Loan and Working Capital Term Loans under the Single Window Scheme.•Special types of assistance like Bill Financing Scheme, etc.
2.1. Type of Assistance:
TIIC offers long and medium term financial assistance in the following forms:-•Term Loans•Term Loan and working capital assistance under the Single Window Scheme•Bill Discounting
Schemes operated:
• General Term Loan• Micro / Small Enterprises Funding • Assistance for ISO 9000 Certification• TAHDCO• Equipment Finance Scheme
Bill Finance Scheme for TNEB / TWAD Board Contractors • Assistance for Wind Power Projects• Single Window scheme covering working capital• Open Term Loan• Clean Term Loan• Working capital term loan for Rice Mills • Business Space Rental Scheme• Drawee Bill Finance Scheme • Term loans for the replacement of high cost loans • Information Technology Projects scheme • Computer Training Institute / Training Institute• Commercial Complex • Community centre / Convention centre / Marriage hall• Hotels• Scheme for Non Banking Finance Cos (NBFC)• Marketing Assistance Scheme• Scheme for Qualified Professionals• Generator loan• Transport loan scheme• Warehouse / Cold storage• Scheme for doctor’s growth / Nursing home• Working capital term loan for manufacturing and processing industries
(WCTL-MPI)• Grow an entrepreneur scheme
The details of some of the schemes are available in the Annexure I.
20
2.2 Eligible activities:
The assistance of the TIIC is available to the concern engaged in or proposing to be engaged in:-
•Manufacturing, processing or preservation of goods•Service sector•Generation of electricity or any form of power including wind mills •Setting up of nursing homes and purchase of electro medical
equipments•Hotels and Restaurants•Purchase of public carrier vehicles for material / goods transportation
and for transport of passengers. •Facilities for preservation of marine products and food item
including cold storage•Commercial complex / storage godown / marriage hall / community hall•Computer Training Institutions / I.T projects including I.T Parks
2.3. Quantum of Loan Assistance:
TIIC provides Term Loan assistance normally upto a maximum of Rs.800 lakhs to
Proprietary and Partnership concern. In respect of Limited Companies and Co-operative
Societies normally a maximum term loan assistance of Rs.2000 lakhs can be considered.
However higher loan assistance may also be considered for bigger projects on a case
to case basis.
The Branch Offices have been classified into A, B, C categories for the purpose of
consideration of loan assistance based on the number of loan account in a Branch Office.
Branches can sanction loans upto Rs.50 lakhs for new clients. Regional Loan Sanction
Committee can consider sanction of loans upto Rs.100 lakhs for new clients and Rs.150
lakhs for existing clients.
The Board of the TIIC has delegated appropriate powers for sanction of loans to
the Branch Manager, Branch Sanction Committee, Regional Loan Sanction Committee. The
Executive Committee consisting of Directors of the Board / Board of Directors will consider
sanction of loans beyond the power of RLSC (i.e) beyond Rs.100 / 150 lakhs upto Rs.300
lakhs. The Board of TIIC consider sanction of loans above Rs.300 lakhs.
2.4. How to apply:
For getting financial assistance from TIIC, one has to apply in the prescribed
application and the applications are available in all the TIIC Offices. There are separate
application for certain schemes. Application for financial assistance to industrial units can
also be downloaded from TIIC’s website www.tiic.in . Application is issued free of cost.
21
2.5. Appraisal of Project by TIIC:
TIIC appraises the project for its technical feasibility, financial and economic viability
while sanctioning loan. The applicant should satisfy TIIC regarding the scope for
marketing and furnish the details of the cost of production, cash flow etc., to assess the
pay back period and for assessing the various financial ratios / norms.
2.6.Rate of Interest :
The interest rate structure for various loans are given below :
2.6.1. Interest revision for new cases (from 16.6.2011) :
Micro Small Medium Enterprises(Manufacturing) Existing Revised
1. Loans upto Rs.2.00 lakhs including Transport loan 13.50% 14.25%
2. Loans above Rs.2.00 lakhs
a. SMERA RATING & from other agencies such as CRISIL Highest 13.50 % 14.25 %
High 13.75% 14.50%
b. Other Ratings than the above 14.25% 15.00%
3. a) Existing assisted clients (including Transport) continuously prompt* for 3 years at the time of sanction,OTL etc. b) Existing assisted clients (including Transport) continuously in Standard Category ** for 3 years, OTL etc.
13.50%
-
14.25%
14.75 %
4. New MSME & Transport sector 14.25% 15.00%
5. Other Special Scheme :
a. Drawee Bill Scheme / Clean Term Loan scheme 14.50% 15.25%
b. Working Capital Term Loan under modern rice mill, manufacturing processing industries & single window scheme
14.50% 15.25%
c. Micro, Small, Entrepreneur Loan (MSEF) Scheme (Referred as MSME scheme earlier)
14.50% 15.25%
* If the principal and interest demand is paid within the grace period continuously for
36 months or 12 quarterly instalments the unit is classified as Prompt unit.
** If the unit pays the interest and principal demand within 90 days continuously for 36
months or 12 quarterly instalments then the unit is eligible for the concessional rate
indicated in Standard category.
22
2.6.2.Interest revision for new cases (from 16.6.2011) :
NON-MSME For Prompt clients at the time of sanction
New clients at the time of sanction
6. EXISTING PROPOSED EXISTING PROPOSED
a. Non-MSME Term Loan 13.75% 14.50% 15.00% 15.75%
b. Non-MSME Term Loan Existing non-assisted units with good track record for 3 completed years.
-- -- 14.50% 15.25%
c. Term Loan to service sector viz., shopping complex, community hall, Kalyana Mandapam etc.
15.00% 15.75% 15.00% 15.75%
7a. Loans to Hospitals, Doctors and Nursing Home, purchase of land and construction of building
15.00% 15.75% 15.00% 15.75%
b. For purchase of medical equipments
14.00% 14.75% 14.00% 14.75%
8. WIND MILLS 13.50% 14.25% 13.75% 14.50%
9. BILL FINANCE SCHEME 15.00% 15.75% 15.00% 15.75%
10. Term Loan for replacement of high cost loan
1% over the Corporation's usual term loan (or) 15.00%
whichever is higher
1% over the Corporation's usual term loan (or) 15.75%
whichever is higher
1% over the Corporation's usual term loan (or) 15.00%
whichever is higher
1% over the Corporation's
usual term loan (or) 15.75% whichever is
higher
11. Grow an Entrepreneur 15.00% 15.75% 15.00% 15.75%
a) Interest is payable on monthly / quarterly rest.
b) Other dues will carry an interest rate that is applicable to that of Term Loan.
c) Subsidy Bridge Loan and Term Loan against Credit Linked Capital subsidy will
carry an interest rate that is applicable to Term Loan.
d) In the event of default, penal interest of 2.50% p.a. will be charged for the
defaulted amount for the defaulted period.
e) Beyond 120 days additional interest of 2.50% p.a. will be charged under Bill
Finance Scheme.
23
SWITCH OVER LOAN SCHEME:
Under this scheme, the lending rate may be fixed as applicable to general term loans
under the respective sector.
SUBSIDY BRIDGE LOAN:
The Subsidy bridge loans are charged with interest rate as applicable to term loans. The rate of interest is revised periodically based on market conditions, cost of borrowing
etc by TIIC.
2.7. Financial Norms:
Following financial ratios are considered as favourable in appraisal of a project :
i) Debt Equity Ratio:
The maximum debt equity ratio (DER) for both small and medium enterprises shall be 2:1.
ii) Promoter’s Contribution:
Promoter’s contribution varies from 15% to 40% depending upon the scheme of assistance. A higher promoters contribution will be fixed if the risk perception of the proposal is high.
iii) Margin of Security:
A minimum of 10% to 25% security margin on fixed asset is stipulated.
iv) Collateral Security:
In addition to primary security of assets, collateral security is also stipulated based on the risk perception of the proposal.
v) Repayment period:
Loan repayment is generally spread over a period of 5 to 9 years with a moratorium ranging from 3 months to 2 years depending on the project and the cash flow projections.
2.8 Subsidies from Government :
•TIIC is the nodal agency for the State Capital Subsidy provided by the Government of
Tamilnadu for projects implemented under New Anna Marumalarchi Thittam scheme and
other subsidy for Micro / Small / Medium Enterprises and mega projects and 3 % Back
Ended Interest Subsidy for micro / SSI units going in for Technology Upgradation and
Modernisation and ISO certification.
•It is also the nodal agency on behalf of Govt. of India for providing capital subsidy to its
assisted units under “Credit Linked Capital Subsidy” scheme, “Technology Upgradation Fund”
scheme and Food processing subsidy.
24
The Norms Set By The Corporation For
Discharge of Functions:
25
2.9 The norms set by the Corporation for discharge of functions:
Quality Policy :
The Corporation has obtained an ISO 9001:2008 Certification under “Quality
Management Systems” (QMS) for sanction of loans. The Corporation is discharging its
functions under the norms prescribed in ISO 9001 : 2008 Certification and the Lead Time
fixed for sanction of loans.
“ TIIC is committed to achieve excellence in formulation and implementation of
various schemes for the accelerated industrial development in the State of Tamilnadu by
providing timely financial services to the satisfaction of its customers. It is also committed to
lay down measurable standards for customer service and constantly improve its Quality
Management System by the full involvement of the personnel at all levels ”.
Quality Objective Lead Time for sanction of loans :
Sl.No. Authority No. of Working DaysLoans Bill
Finance Limits
I By Board 35 -II By Executive Committee 25 -III By Regional Loan Sanction Committee 25 14IV By Branch Sanction Committee 18 7V By Branch Manager 7 -
The certifying authority (BIS) has accorded ISO 9001-2008 license for the Quality
Management Systems for sanction and disbursement for Head Office and Chennai Branch,
TIIC Ltd.
26
2.9.1. Norms set up in TIIC for sanctioning loans :
•Immediate issue of loan application to the applicant who requires in person and
within 3 days by post.
•Immediate issue of acknowledgement for receipt of loan application form.
•Status information about loan application within 5 days, if all the required particulars
have been furnished with the application.
•Loan sanction within 18 working days by Branch Sanction Committee for loans upto
Rs.50.00 lakhs
•Loan sanction within 25 working days for loans above Rs.50.00 lakhs and upto
Rs.3.00 crores by Executive Committee and RLSC.
•Loan sanction within 35 working days for loans of above Rs.3.00 crores by Board.
•Simultaneous scrutiny of legal documents within 15 working days, if, within office
and 4 weeks if external legal advise is needed.
2.9.2. Requests for Loan:
Time limit for compliance of request for inspection of assets:
•10 working days for requests not involving valuation of assets
•15 working days for requests involving valuation of assets
Time Limit for compliance of requests for loan disbursal:
•10 working days for inspection of site, machinery and building by TIIC officials
•15 working days for inspection of site, machinery and building by external agencies
2.9.3.Time Limit for compliance of other requests:
•45 working days from the date of receipt of full particulars for consideration of
change in management in fit cases
•30 working days from the date of receipt of particulars for request for time for
payment of dues.
27
2.9.4. Complaints:
•E-mail facility to receive complaints/suggestions
•Immediate acknowledgment for all complaints received
•Reply to complaints normally within 30 working days.
2.9.5. Guidance and help:
•All 6 Regional Offices, 24 Branch Offices and 4 Field Offices in the State will guide and
help the customers.
•2 Special Recovery Branches to guide and help the customers in settling their accounts
which have become non-performing assets.
•Separate Entrepreneurs’ Guidance Cell and Grievance Cell functioning at the Head
Office. Chennai, guide citizens and redress their grievances in all matters.
•Separate Business Development Officers at Head Office and Branch Offices to guide
entrepreneurs.
•Records maintained for receipt and disposal of complaints at Head Office, Branch Offices
and Regional Offices.
28
POWERS & DUTIES OF
OFFICERS AND EMPLOYEES
29
3) Powers and duties of Officers and Employees:
TIIC is governed by a Board of Directors consisting of senior level Govt Officers,
nominees of SIDBI, a retired senior Bank official. The day to day functions are administered
by MD / CMD who is appointed by Govt. of Tamilnadu in consultation with SIDBI. The MD /
CMD is assisted by officials at various levels to discharge the functions.
The Board delegates suitable powers to the Managing Director and the other officials
of the Corporation for the smooth, effective and efficient functioning of the Corporation.
3.1 Head Office:
At the Head Office, the Chairman & Managing Director / Managing Director is
assisted by Deputy General Managers and other Senior Officers.
3.1.1 Deputy General Manager (F & R, Legal & Systems) :
The following departments are functioning under the control of the Deputy General
Manager (F&R, Legal & Loan monitoring), who is assisted by concerned Heads of
Departments viz. AGMs and Managers. The Heads of Departments are responsible for the
entire operations of the concerned department.
Funds & Resources Dept.
Legal Dept
Computer Systems Division & Technology up-gradation Division
3.1.2. Deputy General Manager (MIS) Dept :
Responsible for compilation of MIS Reports
3.1.3. Deputy General Manager (Rehabilitation Division) :
i)Rehabilitation of potentially viable sick units.
ii)Loan Monitoring Dept
iii)Nodal Agency function for the petitions / grievances of customers
addressed to CM’s Special Cell / Department of Industries / Chairman /
Managing Director. Coordinating on AG’s & SIDBI’s Inspection Reports.
3.1.4. Deputy General Manager (Project) :
The project department is functioning under the control of the Deputy General
Manager (Project), who is assisted by other officers. The Head of Department is responsible
for the entire operations of the concerned department.
3.1.5 Deputy General Manager (Recovery & HRM)
i) Recovery and NPA management division
ii) Human Resource Management Dept and Disciplinary division
30
3.1.6. Asst. General Manager (Policy, Planning and Risk Management) :
i) Preparation of corporate plans and policy document on loan policy
ii) Fixing up targets for the branches and signing of MoU with Branches and Follow- up.
iii) Assessment of market risk, credit risk and operational risk.
iv) New projects (I.T Park) Division
3.1.7. Assistant General Manager (Internal Audit & ISO Dept) :
1. Systematic inspection and internal audit system in the organisation.
2. He has to deal with vigilance matters.
3. Anti-money Laundering
4. Responsible and follow-up of the ISO standards already introduced in the
Corporation and also expanding the scope of the ISO standards to various Branches
and also to expand to various activities of the organisation.
3.1.8.Assistant General Manager (Estate, Training & Library Division) :
i) Training to staff.
ii) All assets of the Corporation other than loan assets and investments,
maintenance, additions, disposals and periodical expenditure.
3.1.9. Assistant General Manager (Projects) :
i) Responsible for sanction of loans at Head Office within the delegated powers of EC /
Board. Responsible for enhancements, modifications and all related matters and
follow-up of disbursements of all sanctions.
ii) Responsible for loan enquiries and he should also handle the clarifications sought by
the Branches. Also responsible for development of new products and marketing of
various products of the Corporation at the corporate and field level.
iii) Responsible for sanction and disbursement of subsidies where the Corporation is
assigned as the Nodal Agency.
i)He is responsible for conducting marketing and other development seminars /
Business Promotion meeting at various centres.
v) The Officers of Development Wing also meet the customers directly to explain the
various schemes of the Corporation.
vi) He is also responsible for evolving various schemes in tune with the market
situations / requirements. Marketing of various products of the Corporation at the
corporate and field level.
31
3.1.10 Assistant General Manager (Recovery) :
i) To introduce loan review mechanism, credit audit, standard asset
monitoring and identification of special mention accounts.
ii) To protect the slippage of standard accounts and also to upgrade
the level of substandard accounts / NPA accounts.
3.1.11. Senior Manager (F & R Department):
i) Overall co-ordination and supervision of all accounting functions.
ii) Liasing with statutory Auditors, Income Tax Authorities, etc.
iii)Co-ordination with the accounts Departments of the branches.
iv) Responsible for preparation of accounts and Balance sheet for the Corporation.
v) Responsible for management of all liabilities of the Corporation.
vi) Follow up of refinance from SIDBI and other agencies
vii) Fixing up of interest rates, raising of loans / OD’s from Banks and
other PSUs and follow-up of all investments.
3.1.12. Manager (HRM) :
i) He will look after all staff related matters including placement /
transfers / promotions.
ii) Training to staff.
iii) All assets of the Corporation other than loan assets and investments,
maintenance, additions, disposals and periodical expenditure.
3.1.13.Company Secretary:
i) The Company Secretary is responsible for convening of general meetings,
Board, Executive Committee, Default Review Committee & Audit Committee
meetings and other committees constituted by the Board represented by
Directors of the Corporation and recording the Minutes of these Meetings. He
is also responsible for the Sales tax, VAT & Service tax matters of the
Corporation.
ii) He is Public Information Officer designated under the Right to Information
Act, 2005. He is also look after disciplinary division.
32
3.1.14 Manager (Law):
i. He is responsible for giving advise / guidance on legal matters to
Officer (Legal) at Regional Offices and Branch Offices for completion of legal
documentation.
ii. He is responsible for monitoring the entire process for completion of legal
documentation within the Lead Time stipulated under QMS.
iii. He is responsible for monitoring and following the court cases with panel
advocates.
3.1.15. Senior Managers / Managers / Deputy Managers / Assistant Managers / Senior Officers:
There are also senior officials in the cadre of Senior Managers / Managers
functioning in the Head Office who are allotted to various Departments to oversee the
smooth functioning of the Head Office. These officials are reporting to the concerned
HODs / DGM directly or through A.G.Ms as the case may be.
3.1.16. Officers, Junior Officers, Assistants / Stenographers :
There are also Officers, Junior Officers and Assistants / Stenographers in the Head
Office who are either doing original work or assigned tasks in a section such as MIS, ISO,
Recovery, Project, HRM, Systems, Funds & Resources, Legal, Loan monitoring, Policy
Planning and Risk Management, Internal Audit, Rehabilitation and Board & Secretariat
Dept. They also maintain the files. They are the grass root level ministerial officials. They
report to respective section heads.
3.1.17. Record Clerks / Drivers /Office Assistants :
They are the basic level officials of the Corporation and are working both in Head
Office, Regional Office and Branch Offices. They carry out identical function irrespective of
their place of working.
33
3.2 REGIONAL OFFICE:
3.2.1 Regional Manager:
i) RMs are responsible for the performance of the branches under their control.
ii) RMs are the Chairpersons of the BSC meetings for sanction of loans / for settlement
of loans as per the delegation of powers prescribed by the Board of the Corporation.
iii) He shall review all LAOs / LAAs every month at Branches.
iv) He is responsible for forwarding of the PIR with his recommendations to Head
Office.
v) He is responsible for relaxation of the Terms & Conditions, changes in the scheme
within the delegated powers.
vi) He is also a member of Regional Loan Sanction Committee.
3.2.2 Officials of Regional Audit Team :
Officials of Regional Audit Team will ensure that :
i) All sanctions and disbursement accounts of the Branch are in order.
ii) All the assisted units in the Regions are visited by them atleast once in a year.
iii)Officers in the auditing team will ascertain the assets inventory of the assisted units.
3.3 BRANCH OFFICE:
3.3.1 Branch Manager:
i) BMs are responsible for overall performance of the branch.
ii) BMs are responsible for sanction & disbursement of loans and recovery as per the
delegation of powers prescribed by the Corporation.
iii)He is responsible for the routine administrative functions and to canvass new business
and to supervise and support the LAOs / LAAs.
3.4 SPECIAL RECOVERY BRANCH
3.4.1. Branch Manager :
Branch Managers are responsible for recovery of dues from the accounts which are
categorized as Non Performing Assets.
34
3.5. FIELD OFFICE :
3.5.1. Field Officer :
i) Field Officer is responsible for overall performance of the Branch.
ii)He is responsible for canvassing loan and recovery as per the delegation of powers
prescribed by the Corporation.
iii)He is responsible for administrative functions of the Field Office and supervise and
support LAO / LAAs.
3.5.2. LAO / LAA:
The field level Officers / Assistants are re-designated as Loan Administrative Officers
(LAOs) and Loan Administrative Assistants (LAAs). The LAOs and LAAs are responsible for
disbursement of loans including inspections, recovery and follow-up including court cases
assigned to them individually.
3. Project Officer (PEO):
i)The Project Officer in the Branch is responsible for appraisal of all Branch cases assigned
to him. He also place preliminary appraisal notes in respect of cases to be sanctioned by
MD / EC / Board before their Branch Manager.
ii)He is responsible for preparing the appraisal note and place it before the Branch
Sanction Committee / PSC within the stipulated time as per QMS.
3.6.4. Legal Officer:
i)The Legal Officer at Branch / Regional Office will be responsible for scrutiny of title
deeds and approval of all security documents and documentation and custody of
documents. He should provide the guidance to entrepreneurs.
ii)He is responsible for every court case handled at the Legal Dept, Head Office or at the
Special Recovery Branches of the Corporation as the case may be and will maintain a
detailed register / record / file about the court cases.
iii)He should provide the general legal counsel and guidance in all other matters to the
Branch.
35
The Procedure followed indecision making process,
including channels of supervisionand accountability
36
DELEGATIONOF
POWERS
37
Delegation of powers in respect of HRM/HRD/Estate/Expenditure Division
Sl.No.
Nature of powers Delegation Authority
1 Sanction of engagement of employees on casual basis on daily wages.
At Head Office
At Regl.Office & Br. Office:
Managing Director
The temporary appointments on casual basis on daily wages can be made only on specific orders of the Managing Director. Employees on daily wages so appointed should not be engaged for more than 90 days.
2 Confirmation of satisfactory completion of probation, Sanction of advance increment and fixation of pay.
For the officials in the cadre of General Manager
For the officials below the cadre of General Manager
Managing Director
CGM/GM/DGM/DGM i/c
3 Extension of period of probation and confirmation.
From the cadre of Asst-Cum-Typist and above
Below the cadre of Asst-cum-typist
Managing Director
CGM/GM/DGM/DGM i/c
4 Sanction of periodical Increments
At Head Office: For General Managers
Below the cadre of GeneralManagers At Regional Office:
Upto Officers Above Officers
At Branch Office:Upto Officers Above Officers
Managing Director
CGM/GM/DGM/DGM i/c
SRM / RMsCGM/GM/DGM/DGM i/c
Branch ManagerCGM/GM/DGM/DGM i/c
5 Transfers & Postings For all cadres
Deployment of staff below the cadre of Officer for important work within the Region (Temporary arrangement)
Managing Director
RM
Head Office shall be kept informed of the changes
6 Deputation of employees of the Corporation
For all cadres Managing Director
38
7. Deputation of Special Dy.Tahsildar/ Tahsildars for recovery
Regional Manager as per sanction / approval of posts by Managing Director.
8. Retirement by routine For all cadres Managing Director9. Acceptance of
Resignation For all cadres Managing Director
The Board will be kept informed in respect of cadres of Asst.General Manager and above.
10. Approval for Terminal benefits to the employees
For all cadres Managing Director
11. PL EncashmentApproval for payment
At Head Office:
General Managers
For the cadre of AGM/DGM
All staff at Head Office upto DGM and from the cadre of Asst., Manager in Regional / Branch Offices.
At Regional Office:
All staff in Regional Office except Managers / Asst. Managers.
At Branch Office:All staff except Managers / Asst. Managers
Managing Director
GM
DGM(HRM)
SRM / RMs
Branch Managers
12 Issue of Administrative Orders / Circulars on approval by competent authority
For HRM / HRD Divisions
For Estate / Expenditure Division
DGM (HRM) / Manager (HRM)
AGM (ED)/Manager (ED)13 Additional Charge
ArrangementsAGMs and above at Head Office, the Regional Managers & Branch Managers
For the Officials below the cadre of AGM at Head OfficeAt Regional / Branch
Office:All the staff in the Region except Branch Managers
Managing Director
CGM/GM/DGM/DGM i/c
SRM / RMs
14 Issue of NOC for obtaining Passport
For General Managers
For DGMsUpto AGMs
Government of Tamilnadu
CGM/GMCGM/GM/DGM/DGM i/c
15 Declaration of Public Holidays/ Local holidays
For all offices Managing Director
39
16 Sanction of House Building Advance and Vehicle Advance
Sanction of other Advances like Festival Advance, Marriage, Co-optex, Khadi and Handloom etc.
Sanction / Approval:As per policies approved by Managing Director / Board
As per policies approved by Managing Director / Board
Payments for all loans and advances:
At Head Office
At Regional Office
At Branch Office
CGM/GM/DGM/DGM i/c
DGM(HRM)
AGM(ED)/Manager(ED)
SRM/RMs
Branch Managers
17 Staff Training Programmes SANCTION:
Sanction and approval for Annual Training Plan for all categories with budget and nominating staff for various Training Programme.
Payment:
Payment for staff training expenses for the employees at Head Office as per approval.
Upto Rs.10,000/-
Above Rs.10,000/- and upto Rs.50,000/-
Payment for staff training expenses for the employees at Regional / Branch Office as per approval.
Managing Director
AGM(HRM)/MGR(ED)
CGM/GM/DGM/DGM i/c
SRM/RMs
18 Issue of certificate to staff for obtaining loans from Banks and other Financial Institutions etc
At Head Office:For loans upto Rs.50,000/- Above Rs.50,000/-
At Regional/ Branch Offices:
DGM(HRM)Managing Director
Regional / Branch Manger concerned after obtaining approval from DGM (HRM) / General Manager / Managing Director as the case may be
19 Leave salary and pension contribution for those on deputation in the Corporation
For all employees DGM(HRM)
40
20 Sanction of maternity leave/ unearned leave with half pay/ special casual leave
For all employees Managing Director
21 Newspapers, Books, Periodicals to officials, Library and Departments
At Head OfficeAt Regional OfficeAt Branch Office
AGM(ED)/Manager (ED)SRM/RMs
BMs22 Approval of tour Programme
At Head Office:For Chief General Manager & General Manager
For DGMs & AGMs
For Managers & below:Within the State
For Managers & below:Outside the State
At Regional / Branch Office:For SRM/RMs within the State (outside the Region)
For SRM/RMs outside the State
For BMs outside the Branch jurisdiction within the State
For BMs outside the State
Staff of Regional / Branch OfficeOutside the jurisdiction:
Branch staff / Managers of Hosur, Dharmapuri, Cuddalore and Nagercoil can undertake Tours to Karnataka, Pondicherry and Kerala respectively for their regular Recovery for Branch work Condonation of delay in submission of TA bills
Managing Director
CGM/GM/DGM/DGM i/c
Head of Department concerned
Managing Director
CGM/GM/DGM/DGM i/c Managing Director SRM/RMs
Managing Director
SRM/RMs/BMs concerned
Respective Tour programme approving
authority
23 Settlement of T.A. Bills For MD/Chairman/CMD
At Head Office:Upto the cadre of General Manager (as per approved programme within the norms / guidelines)
At Regional / Branch Office:For SRM/RMs
For Branch Managers and staff of Regional Office
For staff of Branch Office
Any deviation from norms
CGM/GM/DGM/DGM i/c
AGM (ED)/Manager (ED)
AGM (ED)/Manager (ED)
SRM/RMs
Branch Managers
Managing Director
41
24 Sanction of conveyance allowance
At Head Office:For all the cadres at Head Office and SRMs / RMs
At Regional Office:Employees working in Regional Offices and Branch Managers under the jurisdiction of Regional Office
At Branch Office:Employees working in the Branch Offices
CGM/GM/DGM/DGM i/c
SRM/RMs
BMs
25 Sanction of Medical Reimbursement
For all cadres:As per norms / guidelines
Any deviation from norms / guidelines
AGM(ED)/Manager(ED)
Managing Director
26 Sanction of Leave Travel Concession
For General Managers
For all AGMs & DGMs
For all staff upto Managers
Managing Director
CGM/GM/DGM/DGM i/c
AGM(ED)
27 Approval for payment / settlement of LTC
For all cadres AGM(ED)/Manager(ED)
28 Periodical service charges for typewriters, telephones, calculators, duplicators, fans, furniture etc.
At Head Office:Upto Rs.10,000/-
Above Rs.10,000/-
At Regional / Branch Office:
Upto Rs.5,000/-
Upto Rs.10,000/-
AGM(ED)/Manager (ED)
CGM/GM/DGM/DGM i/c
Branch Manager
SRM/RMs29 Entertainment expenses /
expenditure incurred to persons attending Board / Committee Meetings and others
At Head Office:(i) Above Rs.10.00 lakhs on each occasion(i)
(ii)Above Rs.50,000/- and upto Rs.10.00 lakhs on each occasion
(iii)Above Rs.10,000/- and upto Rs.50,000/- on each occasion
(iv)Upto Rs.10,000/- on each occasion
At Regional / Branch Office:
Upto Rs.5,000/-
Upto Rs.10,000/-
Board
Managing Director
CGM/GM/DGM/DGM i/c
AGM(ED)/Manager(ED)
Branch Manager
SRM/RMs
30 Postage / Telegram / Fax Speed Post / couries expenses
At Head Office:Upto Rs.10,000/-
Above Rs.10,000/-
At Regional / Branch Office:
AGM(ED)/Manager(ED)
CGM/GM/DGM/DGM i/c
SRM/RMs/ Branch Managers concerned
42
31 Printing and purchase of stationery per occasion within budget provision
At Head Office: Upto Rs.10,000/-
Above Rs.10,000/- and upto Rs.50,000/- Above Rs.50,000/- and upto Rs.10.00 lakhs
Above Rs.10.00 lakhs
At Regional / Branch Office:
Upto Rs.5,000/-
Above Rs.5,000/- and upto Rs.10,000/-
Any deviation from Budget
AGM(ED)/Manager(ED)
B
CGM/GM/DGM/DGM i/c
Managing Director
Board
Branch Manager
SRM/RMs
Managing Director
32 Approval of payment to printers and stationers
At Head Office: (as per approval):Upto Rs.50,000/-
Above Rs.50,000/- and upto Rs.1 lakhAbove Rs.1.00 lakh
AGM(ED)/Manager(ED)
CGM/GM/DGM/DGM i/c
Managing Director
At Regional / Branch Office:Upto Rs.5,000/-
Above Rs.5,000/- and upto Rs.10,000/-
Any deviation from Budget
Branch Manager
SRM/RMs
Managing Director
33 Passing of Sundry bills At Head Office:Upto Rs.10,000/-
Above Rs.10,000/-
At Regional / Branch Office:
Upto Rs.5,000/-
Above Rs.5,000/- and upto Rs.10,000/-
AGM(ED)/Manager(ED)
CGM/GM/DGM/DGM i/c
Branch Managers
SRM/RMs
34 Sanction of Telephones to both Office and Residence for all eligible Officers
Allotment for sanction of Telephones as per guidelines / approval
GM
35 Payment of telephone bills At Head Office:As per ceiling / norms AGM(ED)/Manager(ED)
43
At Regional Office / Branch Office:As per norms
Any deviation from norms
SRM/RMs/Branch Managers concerned
Managing Director
36. Approval for Annual Maintenance Contract for office equipment, furniture, lifts, DG sets, Air-conditioners, computers etc.
At Head OfficeUpto Rs.10,000/- per contract
Rs.10,000/-to Rs.50,000/- per contract
Value above Rs.50,000/- andupto Rs.10.00 lakhs per contract
Value above Rs.10.00 lakhsper contract
AGM (ED)/Manager(ED)
CGM/GM/DGM/DGM i/c
Managing Director
Board
At Regional/Branch Office:Upto Rs.5,000/- per contract Upto Rs.10,000/- per contract
Branch Manager
SRM/RMs
37 Approval for payment of
AMC At Head Office
At Regional /Branch Office
AGM (ED)/Manager (ED)
SRM/RMs/BMs concerned
38 Uniform / chappal to Sub-staff & Drivers
At Head Office:
At Regional / Branch Office:
Periodical revision of rates
AGM(ED)/Manager(ED)
SRM/RMs/Branch Managers concerned
Managing Director
44
39 (a) Sanction of Food allowance At Head Office:
At Regional / Branch Office:
Review of Food allowances and revision
Approval by the respective Head of Department
SRM/RMs/Branch Managers concerned
Managing Director
39 (b) Payment of Food allowance At Head Office:
At Regional / Branch Office:
AGM(ED)/Manager (ED)
SRM/RMs/Branch Managers concerned
40 Provision of coffee / tea to the staff and payments
At Head Office:
At Regional / Branch Office:
Periodical revision of rates
AGM(ED)/Manager(ED)
SRM/RMs/Branch Managers concerned
Managing Director41 Fuel expenditure for office
vehiclesAt Head Office:
At Regional / Branch Office:
Any deviation from budget
AGM(ED)/Manager(ED)
SRM/RMs/Branch Managers concerned
Managing Director42 Sitting fee to Directors As per norms CGM/GM
43 Other expenditure to Directors, if any
As per norms
Any deviation from norms
CGM/GM
Managing Director44 Hiring of Private Cars for
Office use within budget At Head Office:
At Regional / Branch Office:
Over and above budget provision
AGM(ED)/Manager(ED)
SRM/RMs/Branch Managers concerned
GM45 (a)
45 (b)
Sanction / approval of local conveyance
Approval for payment of local conveyance
At Head Office:
At Regional / Branch Office:
At Head Office:
At Regional / Branch Office:
Head of Department
SRM/RMs/Branch Managers concerned
AGM(ED)/Manager(ED)
SRM/RMs/Branch Managers concerned
46 Payment of donation, fee etc.,to other organisations/ agencies and sponsorship of seminars per occasion
Upto Rs.10.00 lakh
Above Rs.10.00 lakh
Managing Director
Board
45
47 Expenditure in connection with the meetings of Board or any other specific occasion/ official meeting like entrepreneurs meetings including lunch/dinner
At Head Office:
Sanction and financial approval upto Rs.10,000/-
Sanction and financial approval above Rs.10,000/- and upto Rs.50,000/-
Sanction and financial approval above Rs.50,000/- and upto Rs.10,00,000/-
Sanction and financial approval above Rs.10.00 lakhs
Payment as per approval:
Upto Rs.50,000/-
Above Rs.50,000/-
AGM(ED)/Manager(ED)
CGM/GM/DGM/DGM i/c
Managing Director
Board
AGM(ED)/Manager(ED)
CGM/GM/DGM/DGM i/cAt Regional / Branch Office:
Sanction and financial approval upto Rs.5,000/- and payment thereof
Sanction and financial approval upto Rs.10,000/- and payment thereof
Branch Managers
SRM/RMs
48. Payment of fees to Lawyers for their opinion etc.,
At Head OfficeUpto Rs.10,000/-
Above Rs.10,000/- andupto Rs.50,000/-
Above Rs.50,000/-
At Regional / Br.Office: Sr.Regl.Manager/ Regl.ManagerSr.Br.Manager/ Br.Manager[ as per norms/ guidelines issuedby Legal Department at Head
Office from time to time ].
AGM(HRM)/Manager(ED)
CGM/GM/DGM/DGM i/c
MD
49 Release of advertisements for business promotion etc. per occasion
Upto Rs.10.00 lakhs
Above Rs.10.00 lakhs
Managing Director
Board
50 Sharing of expenses with other Institutions/ Agencies as per the instructions of Government of Tamil Nadu
Upto Rs.10.00 lakhs
Above Rs.10.00 lakhs
Managing Director
Board
46
51 Fixing of rent For Regional / Branch Office Premises / Godowns
Rent upto Rs.25,000 per month
Beyond Rs.25,000/- per month
Renewal of lease as per agreement wherever escalation clause is not existing
Where there is an escalation
Rent upto Rs.25,000/- per month
Beyond Rs.25,000/- per month
CGM/GM/DGM/DGM i/c
MD
AGM (HRM)
CGM/GM/DGM/DGM i/c
MD
52 Payment of rent for Office premises
For Regional / Branch Office: SRM/RMs/Branch Managers concerned
53 Purchase of office equipments such as furniture, fittings, calculators, weighing scales, water coolers and capital goods / assets (movable & immovable) Computers
At Head Office:
Upto Rs.10,000/-
Above Rs.10,000/- and upto Rs.1 lakh
Above Rs.1,00,000/- and upto Rs.10.00 lakhs
Above Rs.10.00 lakhs
At Regional / Branch Office:Upto Rs.5,000/-
Upto Rs.10,000/-
AGM(ED)/Manager(ED)
CGM/GM/DGM/DGM i/c
Managing Director
Board
Branch Managers
SRM/RMs
54
Approval of expenditure for maintenance and repairs to office equipment, furniture/ building and office vehicles per occasion and payments.
At Head Office :Upto Rs.25,000/- -
Above Rs.25,000/-and upto Rs.1.00 lakh
Above Rs.1.00 lakh and upto Rs.10.00 lakhs
Above Rs.10.00 lakhs
At Regional / Branch Office:
Upto Rs.10,000/-
Upto Rs.25,000/-
AGM(ED)/Manager(ED)
CGM/GM/DGM/DGM i/c
Managing Director
Board
Branch Managers
SRM/RMs
47
55 (a) Sanction / approval for contracts for house keeping, securities, etc.
For value upto Rs.1 lakh
For value above Rs.1 lakh and upto Rs.10.00 lakhs
For value above Rs.10.00 lakhs
CGM/GM/DGM/DGM i/c
Managing Director
Board
55(b)
Payments for the above All payments as per approval Upto Rs.50,000/-
Above Rs.50,000/- and upto Rs.1 lakh
Above Rs.1.00 lakh
AGM(ED)/Manager(ED)
CGM/GM/DGM/DGM i/c
Managing Director56.
Approval and payments for expenses towards welfare of employees, viz. water for drinking and other purposes etc., (Annual contract should be taken for the welfare items, viz. water, coffee/ tea etc.,)
Sanction at Head Office :
Approval :Upto Rs.25,000/-
Above Rs.25,000/- and upto Rs.50,000/- Upto 10.00 lakhs
Above Rs.10.00 lakhs
Payment after approval :Upto Rs.50,000/-
Above Rs.50,000/-
AGM(ED)/Manager(ED)
CGM/GM/DGM/DGM i/c
Managing Director
Board
AGM(ED)/Manager(ED)
CGM/GM/DGM/DGM i/c
At Regional/ Br.Office :
Upto Rs.5,000/- per month
Upto Rs.10,000/- per month
Branch Manager
SRM/RMs57 Payment of property Tax for
office propertiesAt Head Office:
At Regional / Branch Office:
Any appeal on tax approval
AGM(ED)/Manager(ED)
SRM/RMs/Branch Managers concerned
Managing Director
48
58 Payment of electricity charges, water & sewerage tax and consumption charges for office premises[ MD will review the consumption pattern and the expenses]
At Head Office:
At Regional / Branch Office:
Any appeal
AGM(ED)/Manager(ED)
SRM/RMs/Branch Managers concerned
Managing DirectorMD will review the consumption profile
59 (1) Major Civil Works of capital nature
(a) Construction of new building for the Corporation
(b) Minor civil works
Sanction and approval of civil works below Rs.10.00 lakhs per workSanction and financial approval of civil works above Rs.10.00 lakhs of capital nature
Approval for payment
Managing Director
Board
Managing Director
60. Approval and payment of insurance premium for assets (movable and immovable)
At Head Office :Premium upto Rs.5,000/-
Premium above Rs.5,000/- andupto Rs.10,000/-
Premium above Rs.10,000/- andupto Rs.2.00 lakhs-
Premium above Rs.2.00 lakhs
At Regional/ Br.Office :
Sr.Regl.Manager/ Regl.ManagerSr.Br.Manager/ Br.Manager[as per norms/ guidelines issuedby the Corporation from time to time]
AGM(ED)/Manager(ED)
AGM(HRM)
CGM/GM/DGM/DGM i/c
MD
61 Any other expenses which are not covered in the proposed Delegation of powers relating to HRM / HRD / Estate / Expenditure division (per occasion)
At Head Office:
Upto Rs.10,000/-Above Rs.10,000/- and upto Rs.50,000/-Above Rs.50,000/- and upto Rs.10.00 lakhs Above Rs.10.00 lakhs
AGM(ED)/Manager(ED)CGM/GM/DGM/DGM i/c
Managing Director
Board
NOTE: For any relaxation for subjects not specifically indicated in the revised delegation, Managing Director's approval should be obtained.
Wherever the words 'Manager (ED)' occurs, the same may be read as Senior Manager (ED) in view of redesignation.
49
DELEGATION OF POWERS FOR CONSIDERATION OF SANCTION OF FINANCIAL ASSISTANCE
/Rs. In lakhs/
Nature of the Loan By Branch Manager
Branch Sanction
Committee
Regional Loan
Sanction committee
MD/CMD
Executive Committee
Board
I. Transport Loan 10 50 - - ***300 Above 300***
II. Term Loans(Including take over of Bank/SIPCOT loans & Equipment Finance Scheme)
- 50 100 -- 300
Above300
III. Term Loans for existing customers ** (including take over of Bank/SIPCOT loans & Equipment Finance Scheme)
- 75 150 -- 500 Above500
(Total group exposure (II + III)should not exceed
- 100 200 -- 900 Above900
Open Term Loan - 50 **** 50 -- -- --
Clean Term Loan - 10 20 -- 50 --Bill Finance – TNEB(-) -- 300 2000
# Above 200
Bill Finance (TWAD(-) -- 300 2000# Above 200
Drawee Bill Scheme -- 50 100 -- 300Above300
Drawee Bill For – Existing Customers **
-- 75 150 -- 500Above500
Business Space Rental Scheme
-- -- -- -- 500Above500
a) Generator Loan can be considered within the powers granted for term loans and within the overall exposure limits. b) Sanction to meet the cost over-run could be considered by the respective sanctioning authorities by not exceeding the overall sanction limits by 20% only after ascertaining the risk factor.
50
*** including loans to NBFC
** Existing customers complying with the following conditions:
a.The unit is in standard category continuously for the last three completed years. b. The unit which have earned cash profit continuously for the last three completed years.
c. The unit whose net worth is positive.
**** Only in respect of B & C Branches exceeding the Branch limit for OTL sanction.
# For amount exceeding Rs.200 lakhs, Managing Director will be the delegated authority to sanction and such cases should be first placed before RLSC and forwarded to Managing Director with Regional Loan Sanction Committee's recommendation.
(-) Renewal limits may be considered once in a year under the relevant scheme with 50% processing fees.
51
Consolidated delegation of powers in respect ofSanction and Disbursement
Sl. No Nature of Functions Revised delegation Authority
1.0 Temporary closure of loan application due to non-submission of particulars, clearance of overdues etc.
i)In respect of loans sanction by Branch Sanction Committee (BSC).
ii)In respect of loans sanction by Regional Loan Sanction Committee (RLSC).
iii)In respect of loans sanction by Executive Committee/Board.
BM / SBM
SRM / RM
DGM(Projects)
1.01 Sanction under incentive scheme
i)All H.O. Sanction cases.
ii)All Regional Loan Sanction Committee cases.
iii)All Branch Sanction Committee cases.
iv)Own fund subsidy for all cases (including HO sanction cases)
v) Non-assisted units in medium / large scale sector and NAMT subsidy.
EC/Board
RLSC
BSC
BSC
CMD/MD
1.02 Condonation of delay for subsidy beyond the outer limit of one year based on merits (for submitting subsidy application)
For all loan sanctions. CMD/MD
2.0 Revalidation of loan sanction
2.01 Upto 12 months For all loan sanctions BM2.02 Over 12 months
and upto 15 months with collection of fresh investigation fee.
For all loan sanctions *
* Revalidation should not be done in a routine manner. The financials of the project shall be examined in detail and it shall be ensured that there are no changes in the project cost, quantum of term loan etc.
SRM / RM
2.03 Beyond 15 months Reappraisal shall be done for fresh sanction.
Respective sanctioning authority
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3.0 Change of location
3.01 Within the Branch jurisdiction.
For all loans BM
3.02 Within the Region, but outside Branch jurisdiction
For all loans SRM / RM
3.03 Outside Region For all loans RLSC
3.04 Subsidy area to non-subsidy area
For all loan sanctions where enhancement of term loan is made
Respective sanctioning authority
3.05 Non-Subsidy area to subsidy area
For all loans Respective sanctioning authority
4 Change in Constitution
4.01 Change in constitution and management
For all loans Respective sanctioning authority
5.00 Changes in the Means of Finance / Cost of Project
5.01 Without any dilution in original financial norms and without any increase in loan
For BSC cases
For RLSC cases
For EC / Board cases
SRM / RM
CGM / GM
CMD / MD
5.02 With increase in loan For all loans
Respective sanctioning authority
6.00 Issue of ‘NOC’ / Ceding paripassu / Second charge
6.01 To issue ‘No Objection Letter’ for raising financial assistance and also, ‘No Lien letter’ in favour of other institutions for exclusive charge.
i)In respect of loans sanctioned by Branch Sanction Committee (BSC) - Standard category.
ii)In respect of loans sanctioned by Regional Loan Sanction Committee (RLSC) - Standard category.
iii)For default cases.
BM
SRM / RM
CMD/MD
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6.02 Issue of NOC for ceding Paripassu charge in favour of Banks /Institutions.
i)For all loans without erosion in security margin
ii)For all loans with erosion in security margin
- Upto 5%
-Beyond 5%
BSC
CMD/MD
EC
6.03 Ceding second charge on primary and collateral for working capital loan from Banks
For all loans
Standard category cases
Default cases
BM
SRM / RM
7.00 Relaxation of Building Plan
7.01 I.For Govt. Developed Industrial Estate like SIPCOT, SIDCO, etc.
a.Disbt. Upto 90% of the building component could be considered subject to obtaining plan approval from Estate Agency like SIPCOT/ SIDCO etc.
b.Balance 10% be released on obtaining, building plan approval from local authority.
II. For other cases, no relaxation is permitted
For all loan sanctions
Approved building plan from local authority is MUST.
BM
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8.00
8.01 Pollution Control Board clearance (disbt. condition relaxation)
i)For all loan sanctions – Red category.
ii)For all loans sanctions – Orange category.
CMD /MD
SRM / RM
9.00 Relaxation of capital upfront clause subject to compliance of DER – for all loan sanctions (except transport loans)
i)For all loans – Approval for capital upfront of minimum of 75% for initial disbursement
ii)In respect of loan sanction by Branch Sanction Committee cases (BSC).
Approval for capital upfront from 50% to 75% of stipulated contribution for initial disbursement.
iii) In respect of loan sanction by Regional Loan Sanction Committee cases.
Approval for capital upfront from 50% to 75% of stipulated contribution for initial disbursement.
iv) For sanctions done by EC & Board
a.Approval upto minimum of 50% of stipulated contribution.
b. Request on pro-rata basis or less than 50%.
BM
CGM/GM
CMD/MD
CMD/MD
Respective sanctioning authority
(EC/Board)10.00 Relaxation of
originally sanctioned financial norms like DER, security margin, promoter’s contribution (within mandatory norms / Guidelines stipulated by HO Board)
For all Loans Respective Sanctioning Authority
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11.00 Relaxation of general conditions stipulated in the terms and conditions (except collateral security).
i.For sanctions done by BSC/RLSC
ii.For sanctions done by EC / Board
Respective SanctioningAuthority
CMD/MD
12.00 Relaxation of special conditions stipulated by the sanctioning authority while sanctioning the loans.
For all loans
Respective Sanctioning Authority
13.00 Payments to Machinery supplier by the concerns directly
13.01 Condonation of cash payments for all loans.
All cash payments upto Rs.20,000/- per supplier and per transaction.
BM
14.00 Change of Supplier
14.01 Standard to standard and Standard to reputed and vice versa.
For all loan sanctions BM
14.02 From Standard / Reputed to Approved supplier. For all loan sanctions SRM / RM
14.03 For suppliers including foreign suppliers and other than Standard to Standard, Standard to reputed, Standard/ Reputed to Approved supplier
I)In respect of loan sanction by Branch Sanction Committee / Regional Loan Sanction Committee.
a)Each machinery valued less than Rs.1,00,000/- subject to overall change in the cost does not exceed Rs.10 lakhs.
b)Where machinery value exceeds Rs.1,00,000/-
i. For Branch Sanction Committee cases.ii. For Regional Loan
RM
BSC
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Sanction Committee cases.
In respect of loan sanction by EC / Board.
a)Cost of each machinery does not exceed Rs.5 lakhs.b)Cost of each machinery does not exceed Rs.20 lakhs.c)Cost of machinery exceeds Rs.20.00 lakhs.
RLSC
DGM (Projects)
CGM / GM
CMD/MD
14.04 One authorised dealer / accredited dealer to another authorised / accredited dealer.
i)For all loan sanctioned by BSC
ii)For all loan sanctioned by RLSC
iii)For loan sanctioned by EC / Board
BM
SRM / RM
CGM / GM
14.05 Change of specifications of M/c. without change of supplier/ with change of supplier and viability of the unit ensured.
I)Loan sanction by BSC / RLSC cases and machinery value upto Rs.10 lakhs.
II)Loan sanction by BSC / RLSC cases and machinery value beyond Rs.10 lakhs but within Rs.20 lakhs.
III)Loan sanction by EC / Board. a)Machinery value upto Rs.10 lakhs.
b)Machinery value above Rs.10 lakhs but below Rs.20 lakhs
IV) c)Where cost of individual machinery exceeds Rs.20.00 lakhs
RM
GM / CGM
DGM (Projects)
CGM / GM
CMD/MD
15 Utilisation of savings in the Scheme towards erection of additional fixed assets viz., construction of additional building, purchase of additional
machinery etc.15.01 Savings out of
reduction in cost and un-utilised contingencies.
For all loans BM
15.02 Savings due to deletion of items (fixed assets) from the Scheme without compromising the viability of the project.
i)Loan sanction by Branch Sanction Committee.
ii)Loan sanction by Regional Loan Sanction Committee.
iii)Loan sanction by EC / Board.
RM
DGM (Projects)
CGM / GM
15.03 Utilisation of i)Loan sanction by Branch Sanction BM
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contingency provision and savings in machinery cost to meet any overrun in building due to increased area and increase in cost of machinery, electricals etc.
Committee.
ii)Loan sanction by Regional Loan Sanction Committee.
iii)Loan sanction by EC / Board.
SRM / RM
DGM (Projects)
16.0 Relaxation of conditions for sanction of power and working capital
16.01 Disbursement of loan upto 90% pending sanction of power and working capital and balance 10% loan based on merit of individual case on steps taken by loanee.
For all loan sanction BM
16.02 Lapsing the undrawn balance For all loans BM
16.03 Refund of Investigation fee (as per guidelines).
i)For loan sanction by BSC.
ii)For loan sanction by RLSC.
iii)For loan by EC / Board.
BM
SRM / RM
DGM (Projects)
17.00 Relaxation of Collateral Security
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17.01 Collateral Security relaxation
1)Existing prompt clients for more than 5 years and good working results.a)For Branch Sanction Committee / Regional Loan Sanction Committee cases.
b)For EC/Board Sanction cases
CMD/MD
Respective Sanctioning Authority
18.01 Before documentation & disbursement
18.02 Substitution with equal or more value
For loan sanction in respect of BSC /RLSC cases.
For loan sanction in respect of EC/Board.
a.If collateral guideline norms are complied
b.Where collateral norms are not complied
Respective Sanctioning
Authority
CMD/MD
EC/Board
18.03 Substitution with lesser value
i.For loans sanctioned irrespective of BSC/RLSC/EC cases
ii.For Board Cases
EC
Board
19.00 Alteration in the Memorandum of Association and Articles of Association of the loanee companies.
For all loans BM
Note:
For any relaxation for subjects not specifically indicated in the revised delegation, MD’s approval should be obtained.
DELEGATION OF POWERSFollow-up and Recovery
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S.No. Nature of function Delegation Authority1.0. Reschedulement of
loansi. Reschedulement without Reduction of interest rate / Funding / freezing of interest within or beyond terminal date
a) In respect of loans sanctioned by Branch Manager (BM) / Branch Sanction Committee (BSC)
b)In respect of loans sanctioned by Regional Loan Sanction Committee (RLSC)
c)In respect of loans sanctioned by Executive Committee (EC) / Board
RM
BSC
RSC
ii. Reschedulement with reduction of interest rate / funding/freezing Interest within or beyond Terminal date
a)In respect of loans sanctioned by BM / BSC
b)In respect of loans sanctioned by RLSC / EC/ Board.
MD / CMD
DRC
2.0. Foreclosure & allied consequential functions including proceeding under Sec.29 of SFCs Act, SARFAESI Act, keeping foreclosure in abeyance, giving time to clear the dues etc.
i. Foreclosure /withdrawal of foreclosure / keeping in abeyance of foreclosure for defunct units a)In respect of loans Sanctioned by BM / BSC
b)In respect of loans Sanctioned by RLSC / EC / Board
c) Joint Finance Cases
ii. Foreclosure /withdrawal of foreclosure / keeping foreclosure in abeyance for running units - For all loans
iii. Taking Possession
a)All Transport cases
BM
RM
GM/CGM
RM
BM
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b)Physical possession of Primary / collateral security – For all Indl. loans. c)Constructive possession of Primary/collateral security – For all loans
iv. Taking action under SARFAESI Acta)To initiate action under SARFAESI Act.
b) Keeping further action in abeyance under SARFAESI Act.
GM/CGM
RM
RM with the approval of H.O.
GM/CGM
3.0. Release of Possession3.1 Transport vehicles i)On payment of 30% of overdues
ii)Any relaxation upto 20% of overdues
iii)Any further relaxation
BM
RM
DGM
3.2 Industrial units i)On payment of 20% of overdues
ii)Any relaxation upto 10% of overdues
iii)Any further relaxation
BM
RM
DGM
3.3 i. Withholding / cancellation of auction sale on receipt of the stipulated overdues in para 3.1. & 3.2.
ii. On Settlement of the account
RespectiveDelegated authorityBM/RM/DGM
BM 4.0 Suit/SFC petition i) a) Suit or other Proceedings filed
against the Corporation District Level
b) Suit or other Proceedings filed against the Corporation at High
Court
ii) a) Filing of SFC petition
b) Filing of any other proceedings or suit.
BM
Head of Legal Division
BM
BM with the permission of Head of Legal division
5.0 Criminal Complaint
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5.1 Decision to lodge i) In respect of loans sanctioned by BM/BSC
ii) In respect of loan sanctioned by RLSC / EC
iii) In respect of loans sanctioned by Board.
BM
RM
DGM
5.2 To lodge / file For all loans BM/ABM/LAO
5.3 Decision to withdraw criminal complaint Delegated authority mentioned in Para 5-1.
6.0 Condonation of Delay6.1 Settlement under OTS i)If the entire settlement amount as
per norms is paid within 6 months from the date of communication with/without delay in initial payment ii)If the entire settlement amount is paid as per norms within 12 months from the date of communication provided 20% of the amount is paid within 3 months from the date of communication
iii)Delay between 12 months and upto 24 months
iv)Delay above 24 months
BM
RM
MD
DRC
6.2 Auction sale remittance i. Delay in payment of balance bid amount upto 3 months from the date of approval with interest presently at 21%.
ii. Beyond 3 months and upto 6 months with interest at 21%
iii iii.Beyond 6 months from the date of approval with interest at 21%.
BM
RM
MD
6.3 Auction Sale/ Execution of Sale Deed
Extension of time beyond 30 days on collection of penalty of 1% on the bid amount
MD
7 Request to relieve from the guarantee obligations / Substitution
For all loans MD
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of guarantee
8 Permission for disposal of assets
i. Where the sale value is more or equal to assessed value. a) In respect of loans sanctioned by BM/BSC
b) In respect of loans sanctioned by RLSC/ EC/Board
ii. Where the sale value is less than the assessed value – For all loans
RM
DGM
MD
9 To permit the loanee concern to lease any part of the fixed assets of the unit on suitable terms of lease/rent
i.In respect of loans sanctioned by BM / BSC
ii.In respect of loans sanctioned by RLSC
iii.In respect of loans sanctioned by EC / Board
RM
DGM
GM/CGM
10 Appointment/ withdrawal of nominee directors
All Cases MD
11 Signing of claim receipts/Vouchers in respect of insurance All cases BM
12 Refund /Adjustment of amount received under insurance claim
i)Adjustment – All cases
ii)Refund – All cases
BM
RM
13 Declaration of dividend (for exceeding the permitted rate of 12%)
i) Assisted units with term loan onlya.All loans – prompt units
b.All loans – defaulting units
ii)All cases with loan and investments only
RM
DGM
MD
14 Permission to raise unsecured deposits and payment of interest thereon including interest payable on advance by the proprietor partners/ directors of the concern from the normal rate prevailing to an appropriate rate
i) In respect of loans sanctioned by BM / BSC.
ii) In respect of loans sanctioned by RLSC / EC / Board
BM
RM
15 Appointment / Re-appointment ofDirectors and their
i.In respect of loans sanctioned by BM / BSC.
RM
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remuneration ii.In respect of loans sanctioned by RLSC / EC / Board.
BSC
16 Substitution of collateral
i. In respect of prompt cases:
a.In respect of loans sanctioned by BM / BSC / RLSC / EC with coverage* of minimum 100% of the outstanding or the stipulated percentage of collateral whichever is higher.
b.In respect by loans sanctioned by Board with coverage* of minimum 50% of the outstanding or the stipulated percentage of collateral whichever is higher.
c.Cases not fit into above categories.
ii. All Default Units
RM
GM/CGM
EC
DRC
* If FD is offered as collateral, then the FD along with the interest to be accrued till the terminal
date of the loan should be equal to the value of the property to be substituted and vice versa.
S.No. Nature of function Delegation Authority
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17 Release of collateral security
Prompt units with promptness continuously for the last 2 years with loans repaid upto 50% of the principal disbursed
a.In respect of loan sanctioned by BM/BSC with coverage of minimum 100% of the outstanding or the percentage of the collateral stipulated at the time of sanction of loan whichever is lower.
b.In respect of loans sanctioned by RLSC/ EC/ Board with coverage of minimum 100% of the outstanding or the percentage of the collateral stipulated at the time of sanction of loan whichever is lower.
c.Cases not satisfying the above norms.
ii. All Default Units
BSC
GM/CGM
EC
DRC
18. Release of advertisement for auction sale
For all loans RM
19. Confirmation of auction sale
(i) Within norms
a) For all loans
b) Joint finance cases
(ii) Below norms
For all loans
BSC
MD
MD
Note: Head Office clearance shall be obtained for confirmation of auction sale of primary and collateral properties situated within Municipal Corporation, Industrial Estates and areas adjoining the above within a radius of 16 Kms as per circular TIIC/HO/14-Recovery/2006 dated 10/12/2006.
S.No. Nature of function Delegation Authority
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20. Rejection of Auction Sale i)Below norms
a)All loans except cases covered under b and c.
b)For Transport / Machinery cases alone All cases where the bid amount is above 60% but below 65% in the second and 45% but below 50% in the third and subsequent auctions
c)Industrial units/ Land/Land and Building * All cases where the bid amount is above 70% but below 75% in the second and above 60% but below 65% in the third and above 45% but below 50% in the subsequent auctions.
(ii) Within norms – All loans
BSC
GM/CGM
GM/CGM
MD
Note: * Including primary and collateral properties situated within Municipal Corporation, Industrial Estates and areas adjoining the above within a radius of 16 kms as per circular TIIC/HO/14- Recovery/2006 dated 10/12/2006.
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S.No. Nature of function Delegation Authority21. Down Payment for OTS a.Relaxation of down payment of OTS
upto 75% of stipulated amount
b.Any further relaxation
DGM
MD
22. General i)Managing Director shall exercise powers in all other matters for which delegation is not indicated above
ii)Issue of clarification/ interpretation of the above for smooth operation of the powers delegated
MD
MD
23 Adjustment of fixed deposit
i) Primary Security sold / disposed
a)If FD has matured *
b)If FD has not matured **
ii) To settle the account ***
BM
BM
BM
Note:
* No consent from FD holder is necessary. However, a notice is to be sent to the FD holder duly informing him. ** A notice will have to be issued to the FD holder about default in the account, sale of
primary assets and the balance dues payable and also about intention of the corporation to pre-close the FD with details of the consequences thereof viz. reduction of interest on FD etc and calling for objection, if any within a stipulated time. After examining the objection received and replying to the same or in case no objection is received, the FD with eligible interest can be adjusted in the loan account after expiry of the stipulated period.
*** Consent from the FD holders and request from the loanees shall be obtained.
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S.No. Nature of function Delegation Authority24. Release of charge on
fixed depositi) Release of charge on fixed deposit for prompt units with promptness continuously for the last 2 years with loan repaid upto 50% of the principal disbursed
a.In respect of loans sanctioned by BM/ BSC with coverage of minimum 100% of the outstanding or the percentage of the collateral stipulated at the time of sanction of loan whichever is lower.
b.In respect of loan sanctioned by RLSC / EC / Board with coverage of minimum 100% of the outstanding or the percentage of the collateral stipulated at the time of sanction of loan whichever is lower.
ii. Cases not fit into above categories
BSC
GM/CGM
MD
Procedures to be adopted:
The owners of collateral security may make a request to the Corporation for release of their fixed deposit. The remaining collateral shall be valued and its lowest value shall satisfy the condition regarding stipulation of collateral at the time of sanction. The other collateral owners shall agree in writing for the corporation releasing the fixed deposit. All other procedures for release of collateral security shall be followed.
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S.No. Nature of function Delegation Authority25. Adjustment of Fixed
Deposit: (i) Before disposal / sale of primary in
respect of Defunct / Non-running /
Non-starter units / not traceable
vehicle / Unsaleable assets in auction
*
(ii) In cases where the FD has
matured and in the opinion of the
Branch Manager the realisable value of
the primary security is less than the
principal outstanding. **
RM
BSC
* Notice for foreclosure of loan shall be issued and another suitable notice to FD holders / loanees.
** After giving sufficient notice to the party.
Note:
1)Quarterly Report to be submitted by Branch Office for S.Nos. 2 (iii) (b) and 17 (i) (a)2)Quarterly Report to be submitted by Regional Office for S.Nos. 2.0 (ii), 3.1(ii),3.2(ii), 6.1(ii), 6.2(ii) and 16(i)(a).3)Quarterly Report to be submitted by Head Office Recovery Department for S.Nos.2.0 (iv)(b), 3.1(iii),3.2(iii), 6.1(iii), 6.2(iii),21(a) and 21(b).4)Quarterly Report to be submitted by Head Office Follow-up Department for S.Nos.16 (i) (b) and 17(i) (b) . 5)Quarterly Report to be submitted by Head Office Recovery / Follow-up Department for S.No.1.0 (ii) (a) .6)Quarterly Report to be submitted by BO/RO/Head Office Recovery Department for S.No.5.3.7)Half-yearly Report to be submitted by Branch Office for S.Nos.23,24(i) (a) and 25(ii). 8)Half-yearly Report to be submitted by Regional Office for S.Nos.8 (i) (a) ,12(ii) and 25(i). 9)Half-yearly Report to be submitted by Head Office Recovery Department for S.Nos.8 (i) (b) and 8(ii). 10)Half-yearly Report to be submitted by Head Office Follow-up Department for S.Nos.24(i) (b).
69
4) The Procedure followed in decision making process, including channels of supervision and accountability:
The Heads of Departments are supervising the respective departments and they are
accountable for the performance of the departments under their control.
In case of Regional / Branch Offices, the concerned Regional Manager / Branch
Manager is accountable for the performance of the Branches under their control. The
functions and operating powers of each level in the Corporation besides the reporting
relationship and delegation in operating powers pertaining to the organisation is detailed in
organisation structure Annexure II.
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The Rules, Regulations, Instructions, Manuals and Records, under the control of
TIIC and used by its employeesfor discharging its functions:
71
5) The rules, regulations, instructions. manuals and records, held by it or under its control or used by its employees for discharging its functions:
1. Companies Act 1956 and its amendments
2. SFC’s Act 1951 and its amendments
3. Right to Information Act
4. Instructions of the State Government
5. Policies / Rules / Guidelines framed by the Board
6. Service Tax and Sales Tax Acts
7. Administrative Orders of the CMD / Managing Director
8. ISO operations manual and other Departmental manuals
9. Circulars of RBI / SIDBI / IDBI / State / Central Government / Government Orders /
Notifications.
10. Office Order / Circulars issued by the Corporate Office
11. Various Registers
12. Reports / Statements / Files.
13. Follow up manual used by the Recovery and Follow up Dept.
14. Legal manual used by the Legal Dept.
15. Service Rules governing the employees.
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The Categories of Documentsheld by TIIC and under its control:
73
6) A Statement of the categories of documents that are held by it or under its control:
The documents held by the TIIC are :
•The various correspondence between the company with the Government, loanees, general public, other Government and non Governmental organisations.•Documents of title deeds of the mortgaged properties •Loan ledgers •Books of accounts•Bank statements•Loan files and correspondences•ISO documents •Returns•Minutes•Service Registers, data relating to the officers and employees•Operational manuals, circulars, office orders•Library books etc.
These documents are kept at the Corporation’s Head Office / Regional
Offices / Branch Offices as the case may be.
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The arrangement for consultation with,
or representation by the member of the
public in relation to the formulation of
its policy and implementation there of:
75
7. The particulars of any arrangement for consultation with, or representation by the member of the public in relation to the formulation of its policy or implementation there of:
Project Department at Head Office and Branches are handling the customer
representation, any representation whether written or oral that indicates a deficiency in
the prescribed quality of service provided by the corporation will be deemed as a
customer representation and handled as per the procedure laid down by the
corporation as follows:
•Concerned officer shall analyse and investigate the problem, represented by the customer.
•After a detailed analysis / investigation, remedial measures shall be decided.
•Remedial measures decided shall be implemented by the Officer identified for the
purpose.
The Advisory Committee consisting of industrialists, promoters of assisted units
and members from industrial association was constituted for periodical interaction
atleast once in a quarter for consultation and advice as regards the requirement of
various industries in the State.
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Details of the Boards, Councils, Committees and other bodies
77
8. Details of Board / Committee :
8.1.Board of Directors:
The Board of Directors is the highest controlling authority comprising of Directors
appointed by the Government from time to time and headed by the Chairman / CMD which
deliberates and decide on policies / directions for the Corporation and supervises the
functioning of the Corporation. There are various Sub - committee of the Board such as
Executive Committee, Default Review Committee, Audit Committee and Staff Committee and
neither the meetings nor the Minutes are open or accessible to the Public.
As on 15.11.2011, TIIC’s Board comprising of seven Directors. The particulars of
Directors are in Annexure III :
The Board consider all policy matters and proposals for sanction of loans above Rs.300
lakhs.
8.2 Executive Committee:
The Executive Committee (EC) of the Corporation consists of 3 Directors of the Board as
members. The Executive Committee consider proposals for sanction of loans between Rs.
100 lakhs and Rs.300 lakhs. The members of the present E.C (as on 30.9.11) are as follows:
1.Chairman & Managing Director of the Corporation
2.Nominee by SIDBI
3.Retired CGM, SBI
8.3 Advisory Committee:
Advisory Committee is a honorary committee constituted by the Board of the
corporation consisting of leading Industrialists in this State and promoters of assisted units of
the corporation and members from Industrial Associations in the State. This committee has
been constituted by the Board of the Corporation for having periodical interaction to offer
suggestions as regards to the requirements of various industries in the state for follow-up
action by the corporation. The members of the present committee (as on 30.9.11) are given
in Annexure IV:
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8.4 Default Review Committee (DRC):
Default Review Committee (DRC) is a sub-committee of the Board with TIIC’s Chairman
& Managing Director as its Chairman. It reviews the default cases periodically and also
considers granting of reliefs and concessions to settlement cases apart from reviewing the
affairs of sick units under rehabilitation. All the 3 Directors at the Executive Committee are
the members of this committee also.
8.5 Audit Committee:
The Audit Committee is constituted in terms of Sec.292 A of the Companies Act 1956.
The Committee comprises of the following Directors:
1.Retired CGM, SBI
2.Director from SIDBI
The suggestions made by the Audit Committee will be carried out then and there by the Corporation.
8.6 Regional Loan Sanction Committee (RLSC) :
The Regional Loan Sanction Committee is headed by the Chairman and Managing
Director / Managing Director along with other members viz., General Manager/ Deputy
General Manager (Project) / AGM (Project) and Regional Manager concerned. The Committee
sanctions loans upto Rs.100.00 lakhs for new units and Rs.150 lakhs for existing clients.
In respect of Bill finance proposals for amount exceeding Rs.200 lakhs, CMD / MD will
be the delegated authority to sanction and such cases should be first placed before RLSC and
forwarded to CMD / MD with Regional Loan Sanction Committee’s recommendation (if CMD /
MD is not heading RLSC).
8.7 Branch Sanction Committee (BSC):
The Branch Sanction Committee is headed by the Regional Manager, other members
are the Branch Manager concerned and one more Branch Manager (to be nominated by the
Regional Manager). The Committee sanctions loans upto Rs.50.00 lakhs.
8.8. Regional Settlement Committee (RSC):
79
The Regional Settlement Committee is headed by the Deputy General Manager at
Head Office and concerned Regional Manager are its other member. The committee considers
the one time settlement proposals which are related to the offices situated within the
specified region in respect of loan sanction above Rs.25 lakhs under non ND & ND scheme.
8.9 Branch Settlement Committee (BSC):
The Branch Settlement Committee is constituted for each Branch Office and headed by
the concerned Regional Manager. The other members are Branch Manager concerned and
Manager of another Branch within the same Region. The committee considers the OTS /
auction sale proposals in respect of loan sanction upto Rs.25 lakhs under non ND & ND
scheme.
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A directory of its officers and Employees:
The monthly remuneration received by officers and Employees
81
9) A directory of its officers and Employees:
The Name, designation and Branch of the all officials / employees are detailed in the
Annexure VI.
10) The monthly remuneration received by each of its officers and employees including the system of compensation as provided in the regulations:
The Corporation adopts the pay scales and other allowances for all its officials as stipulated
by the State Government from time to time (Annexure VII).
The details of monthly remuneration received by each cadre of officers and employees is
given in Annexure VIII.
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The manner of execution of subsidy programmes, including the amounts
allocated and details of beneficiaries of such programmes:
11) The manner of execution of subsidy programmes, including the amounts allocated and details of beneficiaries of such programmes:
83
TIIC has been appointed as operating agency for various subsidy schemes operated
by Govt. of Tamilnadu / Govt of India. The Govt of Tamilnadu is granting the following
incentives to the small scale entrepreneur for setting up of agro-based industries :
11.1. Mega Subsidy :
The Govt of Tamilnadu has announced capital subsidy to new industrial units and new
units located in Govt promoted Industrial Parks and approved private Industrial Parks in
terms of New Industrial Policy 2008. TIIC is the Nodal Agency from 01.04.2011 for all
projects both assisted and non-assisted projects whose investments is upto Rs.300 crores.
A. All New Micro Manufacturing Enterprises set up anywhere in the State (including non
backward areas and industrial estates located within the radius of 50 Kms from Chennai city
centre).
All New Micro, Small and Medium Agro based and Food Processing Enterprises set up in all
385 blocks in the State (except the items listed in para 8.4 of MSMI Guidelines).
All New Small and Medium Manufacturing Enterprises set up in backward areas and industrial
estates, excluding the industrial estates located within the radius of 50 Kms from Chennai city
centre.
Existing Manufacturing Enterprises of the above three categories which taken up
substantial expansion / diversification of the existing activities.
The incentives to all new units investing in eligible fixed assets are as under:
i) New units investing between Rs.5 Crores and Rs.50 Crores and employing more than 100
direct workers – Capital subsidy of Rs.30 lakhs.
ii) New units investing between Rs.50 Crores and Rs.100 Crores and employing more than
200 direct workers – Capital subsidy of Rs.60 lakhs.
iii)New units investing between 100 Crores and 200 Crores and employing more than 300
direct workers – Capital subsidy of Rs.100 lakhs.
iv)New as well as expansion units investing Rs.200 Cores and above and employing more
than 400 direct workers – Capital subsidy of Rs.150 lakhs.
v)Manufacturing units located within SIPCOT Indl Park or SIPCOT SEZ will be provided an
additional 50 % capital subsidy over and above the eligible limit.
vi)Dedicated ETP and or Hazardous Treatment Storage and disposal facility set up by
individual manufacturing units would be eligible for an environment protection infrastructure
subsidy of Rs.30 lakhs or 25 % of capital cost of setting up such plant whichever is less.
B.Incentives for Micro, Small and Medium Enterprises (as per the policy
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announcement made in 2008).
i) Capital subsidy @ 15 % on eligible plant and machinery subject to a maximum of Rs.30
lakhs for all new micro manufacturing enterprises set up anywhere in the State.
ii) Small and Medium Enterprises establishing units in 251 blocks notified as backward and
Industrial Estates promoted by SIPCOT / SIDCO (excluding Industrial Estates located within
the radius of 50 km from Chennai city centre) will be eligible for capital subsidy @ 15 % on
plant and machinery subject to a maximum of Rs.30 lakhs.
iii) Employment intensive subsidy at a rate of 5 % subject to a maximum of Rs.5 lakhs will be
granted, if atleast 25 workers have been employed for a minimum period of 3 years within
the first five years from the date of commencement of commercial production.
iv)Additional capital subsidy of 5 % subject to a maximum of Rs.2 lakhs will be given to
enterprises set up by women, SC/ST. physically disabled and transgender enterprises.
v) An additional subsidy of 25% on the value of eligible plant and machinery / equipment (for
items not covered for Capital Subsidy) installed to promote cleaner and environment friendly
technologies subject to a maximum of Rs.3 lakhs.
2)Subsidy for agro-based industries in all 385 blocks.
3)Special capital subsidy @ 15 % on machinery subject to a maximum of Rs.30 lakhs for
following thrust sector enterprises.
a)Electrical and Electronic Industry, b)Leather and Leather Goods, c)Auto parts and
components, d)Drugs and Pharmaceuticals, e)Solar Energy equipments, f)Gold & Diamond
jewellery for exports, g)Pollution control equipments, h)Sports goods and accessories, i)Cost
effective building materials, j)Readymade garments, k)Any other industry to be notified by the
Government in this regard from time to time, l)Food Processing [Amended as per G.O. Ms.No.1
dated 7.1.11], m)Plastic [Amended as per G.O. Ms.No.1 dated 7.1.11], n) Rubber [Amended as
per G.O. Ms.No.1 dated 7.1.11] .
4) Generator subsidy :
25% of the cost of generator set upto the capacity of 125 KVA subject to a maximum subsidy
limit of Rs.1.50 lakhs is available for all micro, small and medium manufacturing enterprises
(MSME) in the state for the purchase of generator set.
This subsidy will also be eligible to enterprises taking up substantial, expansion / diversification
of their existing activities on the incremental assets created towards expansion / diversification.
85
Micro Small and Medium industries Policy 2008.
Guidelines for Administration of Incentives and Concessions in the Policy.Sl. No.
Category
Eligible Enterprises Eligible Area Eligible amount
1
Bac
kwar
d A
rea
Subs
idy 1) A new S/Mi/Mm
expansion/ manufacturing enterprises which has taken effective steps.
2) A old Sm/Mi/Mm which has taken effective steps for substantial expansion/ diversification.
1) 251 notified blocks. 2) Urban bodies enveloped by the BB considered as Backward Area.3) Industrial Estates Promoted by the Govt., Govt., Agencies SIPCOT/ SIDCO 4) Excluding IE located with in the radius of 50 Kms From Chennai city centre.
1) Capital Subsidy 2) Employment Intensive
Subsidy.3) Additional Capital Subsidy
for select category of Entrepreneurs
4) Addl. Capital Subsidy for promotion of cleaner and Environment friendly technologies.
5) Low Tension Power Tariff Subsidy
2
Cap
ital S
ubsi
dy
1) A New Micro Mfg Enterprises set up any where in the State. 2) All New Mi/Sm/Mm Agro Based food processing Enterprises set up in 385 Blocks in the State 3) All New Mi/Sm/Mm Mfg Enterprises set up in backward areas and Industrial Estates excluding the industrial estates located within the radius of 50 Kms from chennai city centre. 4) Existing Mfg Enterprises of the above 3 categories which have taken up substantial expansion/ diversification of the existing activities.
1) A New Micro Mfg Enterprises set up any where in the State. 2) All New Mi/Sm/Mm Agro Based food processing Enterprises set up in 385 Blocks in the State 3) All New Mi/Sm/Mm Mfg Enterprises set up in backward area and Industrial Estates excluding estates located within the radius of 50 Kms from Chennai city centre. 4) Existing Mfg Enterprises of the above 3 categories which have taken up substantial expansion/ diversification of the existing activities.
15% on the eligible Plant & Machinery subject to maximum of Rs.30.00 lakhs. while calculating the maximum ceiling should be applied not for the original project and expansion/diversification taken together but should be applied seperately for the original project and the expansion/ diversification.
3
Empl
oym
ent I
nten
sive
Sub
sidy
1) All New Mi/Sm/Mm Agro Based food processing Enterprises set up in 385 Blocks in the State. 2) All New Mi/Sm/Mm Mfg Enterprises set up in backward area and Industrial Estates excluding estates located within the radius of 50 Kms from Chennai city centre.3) Atleast 25 workers have been employed for a minimum period of 3 years within the first 5 years from the date of commencement of commercial production
1) 385 Blocks in the State in the case of Agro based food processing Inds.. 2) Backward area 251 blocks excluding Industrial Estate located with in 50 Kms radius from Chennai city centre.
5% on the value eligible plant & machinery, maximum of Rs.5.00 lakhs.This is in addition to other subsidy.
86
4
Add
. Cap
. Sub
s. F
or S
elec
t Ent
erpr
ises
. 1) All New Mi/Sm/Mm Agro Based food processing Enterprises set up in 385 Blocks in the State. 2) All New Mi/Sm/Mm Mfg Enterprises set up in backward area and Industrial Estates excluding estates located within the radius of 50 Kms from Chennai city centre.
1) 385 Blocks in the State in the case of Agro based food processing Inds. 2) Backward area 251 blocks excluding Industrial Estate located with in 50 Kms radius from Chennai city centre.
5% on the value eligible plant & machinery, maximum of Rs.2.00 lakhs.This is in addition to other subsidy viz.,2) To the enterprises set up by Woman/SC/ST/Differently abled/Transgender. 3) This is in addition to other subsidy.
5
Add
.Cap
. Sub
s. F
or P
rom
otio
n of
Cle
aner
and
Env
ironm
ent
Frie
ndly
Te
chno
logi
es.
1) All New Mi/Sm/Mm Agro Based food processing Enterprises set up in 385 Blocks in the State. 2) All New Mi/Sm/Mm Mfg Enterprises set up in backward area and Industrial Estates excluding estates located within the radius of 50 Kms from Chennai city centre. 3) Any existing Mi/Sm/Mm which have installed plant and machinery for promotion of cleaner and environment friendly technologies.
1) 385 Blocks in the State in the case of Agro based food processing Inds. 2) Backward area 251 blocks excluding Industrial Estate located with in 50 Kms radiusfrom Chennai city centre.
25% on the value eligible plant & machinery( for items not covered for capital subsidy), maximum of Rs.3.00 lakhs.This is in addition to other subsidy viz.,
87
6Su
bsid
y Fo
r Agr
o B
ased
Ent
erpr
ises
1) A new Mi/Sm/Mm Agro based enterprises which have been issued an acknowledgement EM Part II . 2) Existing Enterprise which have taken up substantial expansion/ diversification of the existing activity. 3) Enterprise which was already granted package will continue to have the facility. 4) Enterprise which has taken effective steps under NAMT scheme prior to 22-02-2008 eligible for incentive as per regulation of NAMT Scheme. 5) Processing Industries which has taken effective steps or after 1-08-2006 and commencing commercial production on or after 22.02-2008 will be eligible for incentive as per the present policy.
1) 385 Blocks in the State in the case of Agro based food processing Inds. 2) Backward area 251 blocks excluding Industrial Estate located with in 50 Kms radius 3) The ceiling of maximum of 5 units per block is removed.
7
Spec
ial C
ap. S
ubs.
For
Thr
ust S
ecto
rs 1) All New Mi/Sm/Mm Mfg Enterprises in thrust sectors anywhere in the state which have been issued an acknowledgment for having filed EM. 2) All Enterprises taking up expansion/diversification on the incremental assets created towards expansion/diversification.
Anywhere in the State. 15% of the eligible Plant and Machinery, subject to the maximum of Rs.30.00 lakhs.
88
8B
ack
Ende
d In
tere
st S
ubsi
dy1) Mi/Sm Enterprises availed TL under TUF/mordernisation scheme/NEF ( Mi/Sm En Funding Scheme) Scheme for ISO Certification/R&D under NSIC -SIDCO consortium and Credit Guarantee Trust Scheme. 2) New Enterprises which set up their facility by induction of well established and improved technologies in specified sub sectors/ products as listed in the guidelines of CLCSS. 3) Existing Mi/Sm/Mm Enterprises which upgraded their existing P & M with the state of the art technology with without expansion which set up their facility by induction of well established and improved technologies in specified sub sectors/ products as listed in the guidelines of CLCS
Any where in the state. Subsidy at the rate of 3% for a maximum of 5 years irrespective of the period of repayment of loan. Maximum amount per loan is Rs.10.00 lakhs only on loans taken up to Rs.100.00 lakhs.
89
Particulars of recipients of Concession
90
12)Particulars of recipients of concession
12.1 CONCESSIONS:
The one time settlement schemes earlier operated by TIIC were found to be useful in
enabling sick units to settle their accounts and ensuring speedy recovery of the dues of the
corporation particularly from the chronic defaulting units and units under the categories of
defunct, under possession, loss assets, written-off and suit filed, where the normal recovery
measures initiated by the corporation did not yield desired results. The present OTS scheme
operated by TIIC is given in Annexure V.
13) Details in respect of the information available to or held by it reduced in an
electronic form:
Details about TIIC is available at Corporate Website. http://www.tiic.in
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Public Information Officer,
Assistant Public Information Officers
and
Appellate Authority
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14) The Name, Designation and other particulars of the Public Information Officer & Assistant Public Information Officers :
Public Information Officer
“ Thiru R. Jayaprakasam, Company Secretary, TIIC Limited, 692, Anna Salai, Nandanam, CHENNAI - 600 035
Ph.No.044 - 2432 2524 ’’
Assistant Public Information Officers:-
“ Thiru K. Seetharaman, Manager (Legal),
Legal Dept, TIIC Limited, 692, Anna Salai, Nandanam, CHENNAI - 600 035 Ph.No. 044 – 2433 1203 ”.
Thiru R. Ravichandran Branch Manager, TIIC, Chennai.
Thiru B.G. Ashok Branch Manager, TIIC, Tambaram
Thiru R. Srinivasan Branch Manager, TIIC, Tiruvallur.
Thiru S. Muralidharan Branch Manager, TIIC, Cuddalore.
Thiru V. Jayanandakumar Branch Manager, TIIC, Special Recovery Branch, Chennai.
Thiru A.R. Sundaresan Branch Manager, TIIC, Vellore
Thiru L. Pandian Branch Manager, TIIC, Villupuram
Thiru. P. Kulasekararaj Officer-In charge of the office, TIIC, Tiruvannamalai Field Office
Thiru R. Viveganandan Branch Manager, TIIC, Trichy
Thiru V. Ekambaram Branch Manager, TIIC, Thanjavur
Thiru P. Palanisamy Branch Manager, TIIC, Karur
Thiru K. Susilkumar Branch Manager, TIIC, Pudukkottai
Thiru S. Arunachalarajan Branch Manager, TIIC, Madurai
Thiru N. Kalathy Branch Manager, TIIC, Dindigul
Thiru P. Ravindran Branch Manager, TIIC, Karaikudi
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Thiru P.N.B. Eswarlal Officer-In charge of the office, TIIC, Theni Field Office
Thiru R. Narayanan Officer-In charge of the office, TIIC, Ramnad Field Office
Thiru T.S. Sukumar Branch Manager, TIIC, Coimbatore.
Thiru P. Sundaram Sr. Branch Manager, TIIC, Tirupur.
Thiru P. Gunasekaran Branch Manager, TIIC, Erode
Thiru R. Padmanabhan Branch Manager, TIIC, Special Recovery Branch, Coimbatore.
Thiru M. Sundaramoorthy
Branch Manager, TIIC, Salem
Thiru G. Sahadevan Branch Manager, TIIC, Dharmapuri
Thiru V.A. Rajendran Branch Manager, TIIC, Hosur
Thiru U Ramasamy Branch Manager, TIIC, Namakkal
Thiru C. Subramanian Branch Manager, TIIC, Tirunelveli
Thiru K. Murugesan Branch Manager, TIIC, Tuticorin.
Thiru A. Gururajapathy Branch Manager, TIIC, Nagercoil.
Thiru E. Paulrajan Branch Manager, TIIC, Sivakasi
Thiru N. Nakkeeran Officer-In charge of the office, TIIC, Virudhunagar Field Office
Appellate Authority :
The Chairman & Managing Director,
The Tamilnadu Industrial Investment Corporation Limited,
692 Anna Salai, Nandanam,
Chennai 600 035.
Ph : 044 - 24331203
94
ANNEXURE IDetails of Schemes :Promoters
Contribution DER Repayment Period Eligibility Purpose
1) General Scheme : 35 % New25% (Existing)
3.00 : 1.00for loans upto Rs.10.00 Lakhs 2.00 : 1.00for loans above Rs.10.00 Lakhs
Not exceeding 10 years including initial moratorium of not more than 2 years
a)All small/medium/large scale manufacturing and service sector are eligible.b) Proprietory / partnership / private and public limited company are eligible.
Purchase of land, construction of building, purchase of machinery / equipments, electrical etc.
2) Equipment Finance Scheme :15%Minimum Loan Rs.5.00 Lakhs
Maximum Loan Rs.10 Crores
2.00 : 1.00(Overall)
36 to 60 m.onths including holiday period of 3 months to 12 months (Monthly/ Quarterly)
Assistance will be available to existing Industrial concerns having a good past record of performance and sound financial position. The concerns shouldi) have been in operation for at least 3 years.ii) have earned profits and declared dividends iii) not be in default to institution / banks in the payment of their dues.iv) have positive net worth.
Purchase and erection of machinery including generators for modernization, expansion, balancing / replacement. Imported machinery, T&E, Addl. Need based civil works, misc. fixed assets and electrical may be considered.
3) WIND POWER PROJECTS : 25% (MINIMUM) 15% in case of EFS.
2.00 : 1.00 5 years including moratorium period in case of EFS.5 to 7 years incl. Holiday period of 6 mths to 1 year in other cases
New / Existing Unit Purchase of Land, Building and Wind Mill (Turbine) equipments
4) Scheme for qualified professionals and service sector units : 35 % Min. Loan Rs.5.00 Lakhs.
2.00 : 1.00 Five years including an initial moratorium not exceeding one year. The principal instalments are payable on monthly basis and interest is payable on monthly rest.
1)The assistance will be available to qualified professionals in the field of management, accountants, medicine, architecture, software professionals and engineering who have the basic degree professional qualification in their respective profession (MCA degree in respect of software professionals) for setting up of their own business utilising their professional skills.
To set up professional practice/consultancy ventures, assistance is extended for the creation of fixed asses relating to their profession.
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2)In respect of interior decorators in addition to basic degree in any discipline, they should have completed certificate / diploma course in Interior decoration / designing having a course period of minimum of one year from a reputed institution.
3)Assistance in the form of working capital term loan will be considered to hospitals, hotels, restaurants, marketing of MSME products, retail outlet of MSME / SME products, cold storage units / preservation of goods which are existing for the past 3 years with positive networth and continuous cash profit for the past 3 years.
5) TRANSPORT :15% othersJCB 25% Rig 35%Excavators 35%
Harvester 35%
Dispensed with 56 Months & 4 months holiday if body building is involved.57 Months & 3 Months holiday for others.
1) The vehicle should be registered in the state of Tamilnadu and as a Public Carrier.2)Loan will be considered for Individuals, Prop/ / Partnership / Pvt./Public Ltd companies and registered Co-op. Societies.
For purchase of Auto, T.Taxi, Van, Tempo, Truck, Lorry, Tanker, Tipper, Trailer, Passenger bus (with route permit) Tractor, trailors (non agricultural and public carrier), Excavator, Mobile crane and Rigs. upto a max of 20 Vehicles per borrower.
6) Commercial Complex :35 %Minimum Loan Rs.10.00 Lakhs
2.00 : 1.00 Outright sale:- Overall Period 4 yearsLease basis:Not exceeding 8 years including Moratorium of not more than 2 years.
1)Proprietor / Partnership / Companies shall be eligible for assistance.2)The complex shall be located within Corporation / Municipal Town
Construction of building, interior decoration, AC, Lift, Communication facilities. The complexes can be either leased out or sold on outright sale basis with the prior approval of the Corporation.
7) Marriage hall / Community Hall / Conventional Centre :
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35 % to 50 %Maximum Loan Rs.250 Lakhs.
2.00 : 1.00 10 years including moratorium of not more than 2 years
a) Prop / P.Ship / Companies are eligible b) The site shall be located within the Corporation / Municipal / Taluk Head Quarters / District Head Quarters.c) The Maximum Financial Assistance for projects coming up in Areas below the rank of Municipal limits and Taluk Head Quarters may be restricted to Rs.20.00 Lakhs. In such areas, the cost of construction shall be allowed 15% less than the permissible rate fixed by the Corporation.
Construction of building and its electricals, AC, Kitchen Equipment, Interior Decoration, Lighting, Music System / TV / Lift / Generator. Cost of land will not be considered for security for Term Loan purpose.
8) Warehouse / Storage godown 35 % 2.00 : 1.00 Not
Exceeding 9 years including Moratorium upto 2 years.
a) Prop. / P.Ship / Corporate Bodies are eligible.
b)Places having good scope and business potential proximate to Railway station and Industrial estates.
Construction of warehouse/storage godown building, purchase of material handling equipments and equipments such as overhead cranes, fork lifts weighing machines, Cold Storage facilities.
9) GENERATOR :35% 2.00 : 1.00 5 years
including holiday period of 6 months
1. All MSME units are eligible.2. Prop. / P.Ship / Ltd. Companies are eligible .
Purchase of Gensets.
10)a) Bill Financing – TNEBSanction Limit: 50% orderDrawal Limit :90% of Inv. Value.
Max. Credit Period - 120 Days.
The scheme aims at financing the SSI units with whom purchase orders have been issued by TNEB/TWAD for the conductors / AAAC conductors/ distribution transformers/ power transformers/cables against supply bills to TNEB.
Against Supply Bills to TNEB as per TNEB purchase order.
To extend financial assistance against bills demand for eligible payment for partly / fully completed works contract executed for TNEB.
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b) Bill Financing – TWADSanction Limit :50% order not exceeding Rs.100 lakhs per work order .Drawal limit 90% of net amount of bill.
Max. Credit Period - 120 Days.
Financing contractor with whom work orders have been issued by TWAD Board under combined water supply system scheme against the bills / demand for payment towards contract works completed partly / fully for TWAD Board. The Contractors are registered as Class-I, II & III.type of Contractors.Minimum loan of Rs.10.00 Lakhs.
c) Bill Financing –Drawee Bill : Sanction Limit25% of Average Amt. of raw material purchased during preceeding 3 years.
Drawal Limits 75% Invoice Value (Individual Invoice Value shall not be less than Rs.20 lakhs
120 Days The scheme aims at extending financial assistance to our existing and assisted manufacturing unit to meet their need based working capital for purchase of raw material. 1) The borrower should have been in operation at least for the last 5 years.2) The borrower should have been assisted by the Corporation / Associated with us at least for last 3 completed years.3) The unit engaged in manufacturing activity / processing and units with huge purchase of consumables / chemicals shall be eligible. Units which purchase raw materials for manufacture of sub component as per the requirements of buyers can also be considered.4) The account should have been classified as Standard Asset continuously for the last 3 completed financial years.5) The unit should have earned Cash Profit for last 3 completed financial years.6) The net worth of the unit for the last 3 completed financial years should be positive after taking into account of the accumulated loss and
The limit will be utilized towards financing of bills for purchase of raw materials / consumables required for the unit.
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pre operative expenses (to be written off) if any.7) The borrower / units should have repaid atleast 25% of original Term Loan / WCTL under any Scheme.8) The accounts performance of associate concerns assisted by our Corporation if any shall not be in arrears and unsatisfactory.9) Cases rescheduled 3 years prior to the year of consideration if present proposal can also be considered. Subject to the above eligibility conditions.
11) Single Window Scheme : 35% on Working Capital Requirement.
2.00 : 1.00For loan above Rs.10 lakhs.3.00 : 1.00For Loans upto Rs.10 lakhs.
Term Loan - 5 to 7 years with Holiday of 6 months to 2 years.Soft Loan :5 years with holiday of 1 year.
For Working Capital alone there is no holiday period.
a) The SSI units with venture outlay upto Rs.200 lakhs.b) Separate Working Capital to those units which were sanctioned Term Loan for acquiring fixed assets on or after 1/1/92. c) If the units have bank facility they are not eligible for Working Capital assistance under SWS.d) Working Capital may be considered who have earlier availed financial assistance from the Corporation and settled the account also.
Term Loan for purchase of land, Construction of Building, Purchase of machinery and WCTL for Working Capital under SWS.
12) Marketing Assistance Scheme :25%
35 %
3.00 : 1.00For loans upto Rs.10 Lakhs.
2.00 : 1.00For loans above Rs.10 Lakhs.
32 monthly instalments with a Holiday period of 4 months.
Existing units with good track and earned net profit for last 3 years. Eligible activities:- Market research, R&D for product up gradation, expenses on advertising, branding, catalogue, preparation and production of Audio Visual Aids, participation in trade fair and exhibition, expenses on sales promotion Tour, setting up of new show room / retail outlets
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13) Acquisition of ISO certification by SSI units : 15%GOI Incentive Subsidy : 75% of cost or Rs.75000/- which ever is lower.
2.00 : 1.00 5 years including moratorium upto 1 year.
Existing Industrial concerns in the SSI having a good record of past performance and sound financial position or eligible for assistance. The concern should a) have been in operation for a period of at least 2 years.b) have earned profit and / or declared dividend during preceding 2 years.c) not be in default to institution / banks in payment of their dues.
Expenses on consultancy, documentation, certification fees, equipment including calibrating equipments.
14) Doctor's Growth :25% 3 : 1 for loans
upto Rs.10 lakhs2 : 1 for loans above Rs.10 lakhs
4 to 5 years including moratorium of 6 mths.
Eligibility :1)The scheme shall be operative for all doctors who are Income Tax assessee at least for the last two financial years.2)In case of nursing homes having more than one doctor, who are deriving the income from the nursing home only, the loan under the scheme shall be given to the nursing home only.3)Where the doctors, apart from their association with a particular nursing home are also having individual practice, in such cases, the term 4)Loan to individual Doctors may also be considered depending on the additional facilities proposed to be created by the doctors for their independent clinics
i)To purchase medical equipments, Air-conditions, Furniture, Fixtures, Computer, Office automation system, Ambulance, Car/Van, Site for clinic / Hospital / Nursing Home & Diagnostic Centre.ii) To construct hospital building, expansion / Renovation of the existing building.iii) To undertake interior decoration, renovation including face lifting of clinic / Hospital / Nursing Home and diagnostic center.iv) To meet their working capital requirements like purchase of medicines, consumables and instruments.
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15) Loans to Medical Services : 35.00% 2.00 : 1.00
1)Qualified medical
professionals including Ayurvedic, homeopathy doctors can purchase electro-medical equipments under this scheme.2)Qualified physicians, surgeons, dentists and veterinary practitioners are eligible assistance under the scheme and non-medical personnel can also avail assistance subject to appointment of qualified doctors to avail assistance for construction of small hospitals with minimum bed capacity of 10 and a maximum of 50.3)Assistance is also considered for construction of hospitals and expansion and modernisation of existing hospitals.
For purchase of land, construction of building and purchase of electro-medical equipments, ambulance etc.
16) HOTEL :35.00% 3.00 : 1.00
Loan upto Rs.10 Lakhs2.00 : 1.00Loan above Rs.10 lakhs.
Maximum of 10 years including holiday of 2 years.
a) Corporate bodies/ Prop. / P.Ship / Companies are eligible.b) Assistance to Star and Non-Star Category is considered.c) Project Cost should not exceed Rs.20 Crores.d) Term Loan for setting up Hotels / Motels / Restaurants/Amusement parks and also for expansion and Renovation of existing hotels is considered.
Construction of building, Purchase of equipments, lift, furniture.
17) Open Term Loan :15% 2.00 : 1.00 5 years
including holiday one year.
i)The unit should have paid a minimum of 12 quarterly instalments or 36 monthly instalments and should have been in the standard category for the past 3 years.ii)The unit should have earned cash profit for the past three years.iii)The unit should have been in existence for 3 years after commencing its operation.
i) Purchase of equipments / machinery including tools, jigs & fixtures, and saving equipments, Generator etc.(including New indigenous and imported and second hand imported machinery for expansion and modernization.ii) Construction of Addl. Building subject to a maximum of 25% of proposed project cost on condition that land on which building is
101
iv) The net worth should be positive continuously for the past three years.v) Budget for the scheme is Rs.30 Crores.
proposed to be constructed is already mortgaged to TIIC or should be mortgaged before availing the loan.iii) Shall not be utilized for swapping any other liabilities.
18) Clean Term Loan :30% 2.00 : 1.00 36 months
including moratorium of 3 months.Renewal: One month moratorium is allowed.
1. Tiny, SSI & medium scale industries and other industries who are engaged in a) Manufacturing activitiesb) Component / sub assembling manufacturing units with own materialsc) Processing units involving high volume of consumables.2) The unit should have paid a minimum of 12 quarterly instalments or 36 monthly instalments and should have been in the standard category for the past 3 years.3) The unit should have earned cash profit for the past three years.4) The unit should have been in existence for 3 years after commencing its operation. 5) Networth should be positive for the last three completed financial years.6) The borrower should have been associated with TIIC and in operation, classified as standard assets for the last three completed financial years. 7) The units should have repaid 25% of original TL/WCTL availed from the corporation.6) The accounts performance of associated concern assisted by corporation should not be in arrears.7) Reschedule the cases also be considered subject to the above eligibility condition.
To extend to existing and assisteda) Manufacturing unitsb) Component/sub assembly manufacturing units with own materialsc) Processing units consuming high volume of consumables to meet the need based working capital / additional working capital.
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19) Term Loan for the replacement of high cost loans :Max. loan 75% of value of assets which will be transferred to our Corporation or loan O/s with Bank whichever is lower.
2.00 : 1.00 (overall)
Shall not exceed 5 to 7 years
a)For the TIIC assisted units:
The assisted unit of TIIC should be in standard category for the last 3 years.b)For others : The unit should be classified as a standard asset by the financial institution / Bank / NBFC for 3 years. c)The unit should have earned net/cash profit for the last 3 years.d)Credit rating as per our Guidelines should be a minimum of TIIC – PB (minimum score should be 60%)e)Assistance can be extended for proprietory, partnership and limited companies, which are in existence for more than 5 years and should be a manufacturing unit. Service sector and Trading units are not eligible. f) The applicants will be in the industrial sector (i.e not in trading / servicing sectors); the activity should not be in any high risk sector.g) The borrowings from Banks / NBFC/FI’s may or may not have created assets and this would depend upon the cause of borrowing.h) The loan might have been used for improving general Infrastructure and upgradation of plant and machinery.
To facilitate repayment of costly debts availed from Bank/NBFC/ financial institutions availed to meet their urgent needs.
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20) Business Space Rental Scheme :In monthly instalments equal to unexpired lease period or extended lease period subject to a maximum of 84 months.
1) Borrowers : Prop / P.Ship / Private/ Public Limited companies2) Lease / Tenants : Multinational companies / Software Companies / International/ Nationalized / Private Sector Bank / Insurance companies 1) All India Financial Institution / Public and Private sector companies in existence for a minimum period of 5 years and earning profit for last two years.2) Non – residential properties located within / peripheral of Chennai and Coimbatore districts and any other commercial viable location.3) The age of building should be more than 15 years. The unexpired period of lease should be more than 3 years.4) Minimum : Rs, 5.00 crores & Max. Rs.50.00 crores5) The quantum of assistance will be worked out on the basis of net present value of future net rent receivable as arrived by discounting at the rate of interest to be charged.
1)To settle any unpaid liability against property mortgaged.
2) Any productive purpose including taking up of a new construction project.3)To meet domestic / personal / any other commitments.4)To meet liquidity mismatches
21) Assistance to NBFCS :Maximum Loan – Rs.8 Crs.Sec. Margin : 25%
AAA : 8 : 1AA 7 : 1A 6 : 1
Repayment in monthly on case to case basis
1.The company should be registered with RBI.2.The company should have done minimum HP and leasing business of Rs.5 crores in the previous year with not less than 60% of its assets and deriving not less than 60% of its income from leasing and hire purchase business.3. The company should have minimum net worth of Rs.5 crores4. The company should have been rated as AAA, AA & A by recognized rating agencies like ICRA, CRISIL, CARE.
The term loan shall be considered to NBFC’s for onward lending to SRTO’s for purchase of heavy vehicles, light commercial vehicles, earth moving equipments, commercial tractors etc. under hire purchase / leasing scheme.
104
5.The co. should have been in leasing and HP business for a minimum period of 5 years.6.Average DSCR should not be less than 1.50 : 1.00 7.The company should have earned net profit for last three years.8.Hypothecation of assets acquired out of loan and Escrow mechanism.9.The company should be a listed company.10.Bankers opinion should be satisfactory.11.The level of NPA should not be more than 5% of total outstanding leased / HP assets.12.The assistance should be utilized for acquiring net indigenous equipments / vehicle.13.The ultimate beneficiaries should be situated within Tamilnadu and Regd. Office should be within Tamilnadu.
22) IT related projects (Medical transcription, Website development, E – Commerce, Multimedia etc.
35%Min Loan : 2 lakhsMax. Loan : 4 crores
DER : 2:1 3 to 5 years besides a holiday period of 6 mths – 1 yr. Higher amt shall be fixed in first 2 to 3 yrs and lesser amt. Shall be fixed for subsequent period
a)Prop / P.ship / Corporate bodies are eligible.b)The unit should preferably be an existing unit in the IT field and the working results for the past three years should be satisfactory.c)For new projects, the promoters should be technically qualified or should have at least 3 years practical experience or they should employ experienced computer professionals for day-to-day management of units.d)The cost of software shall not exceed the cost of hardware. The cost of software shall not exceed the value of collateral security. In case of cost of software is higher, additional collateral security shall be offered for the same.
Construction of building, purchase of hardware, licensed software, interior decoration, computer furniture, AC, UPS, Printers, Scanner, Generator etc.
105
23) Working capital term loan for existing & non assisted rice mills :25% 2 : 1 The principal
repayment period shall not exceed 36 months including a moratorium period (for first time assistance only) and the repayment shall be in equal monthly instalments. Additional or enhanced repayment will be considered after one year.
1)The unit should be in existence and in operation for three years.2)The unit should have earned cash profit for the last three years.3)The networth of the unit should be positive.4)The unit should be in standard assets category of TIIC for the last three financial years after commencing its operations.5)Units which are having loans with the other bank, which are in standard category/FIs and units which are using their own funds.6) Existing assisted units which have availed working capital term loan under single window scheme that are prompt for the last three years are also eligible. However it should be ensured that the overall loan (existing and proposed WCTL) amount shall not exceed Rs.1.00 crore.7) Units undertaking job work which proposes to do own hulling shall also be considered for financial assistance.
To meet the working capital / additional working capital requirement of the assisted and non assisted modern rice mill units.
24) Working capital term loan for manufacturing and processing industries (WCTL-MPI)Shall not be less than 25 % of the working capital assessment made.
2 : 1 (including working capital term loan component)
The principal repayment period shall not exceed 36 months including a moratorium period of 4 months (for first time assistance only) and the payment shall be in equal monthly instalments.
•Should be in existence and in operation for the past three financial years.
• Shall be in standard assets category for the last three years.
• Having loans with the other Bank/FI’s should be in standard category with the respective institutions.
• Set up with own funds are also eligible to avail working capital loan. They should have earned net profit for the last 3 years and networth should be positive.
• Should have earned
To extend financial assistance to TIIC assisted and non assisted units engaged in manufacturing and processing industries except rice mills to meet their working capital / additional working capital requirements.
106
cash profit for the last three yeas.
• Networth of the unit should be positive.
• Should not come under the purview of sick unit definition.
• Existing assisted units which have availed working capital term loan (WCTL) under Single Window scheme that are prompt for the last three years are also eligible to avail additional working capital under this scheme. However it should be ensured that the overall loan (existing WCTL or proposed WCTL-MPI) amount shall not exceed Rs.100.00 lakhs.
25) Micro/Small Enterprises funding scheme :Minimum 20%
4.00: 1.00 for new units and 3.00 : 1.00 for existing units
The loan repayment period shall not exceed 6 years including moratorium of 6 months.
1)New enterprises in micro/ small scale sector for manufacture, preservation or processing of goods irrespective of location and service sector projects like hospitals, fast food restaurant etc except small road transport operators (SRTOs).2)Existing micro and small scale industrial units and service enterprises undertaking expansion, modernisation, technology upgradation and diversification irrespective of locations.
For creation of fixed assets.
26) Grow an enptrepreneur scheme : Not less than 15 %
The promoters should have exposure / experience in the particular field.
The scheme aims at promoting a new generation of entrepreneurs especially from economically and social disadvantaged backgrounds who are unable to offer required collateral security.
•Rate of Interest will be at the rates stipulated by the Corporation from time to time.•The value of collateral security for the loan will be as specified by the Corporation.•Above schemes are subject to change as per the decision of the Corporation.
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BOARD OF DIRECTORS |
PRINCIPAL SECRETARY/ CHAIRPERSON & MD ___________________________________________________________________________________________________
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AGM | |
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Funds & Resources Dept
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Recovery & NPA Manage-ment
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Loans Monitoring & Rehabili-
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Internal Audit Dept
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Anti-Money Laundering
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Staff Grievance Cell|
Computer Systems Division
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Training & Library Division
(also looking after MIS Division)
Policy And Planning Division
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Follow-upof AG Audit/
SIDBI Inspections
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Internal Audit Division
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Subsidy Disbursement Division
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Technology Upgradation
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Risk Manage-ment
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Invest-ments Division
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PublicGrievance
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Development and Marketing Division
EstateDivision
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New Projects(IT Park) Division
Accounts Mainte-nance
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108
Annexure III
Sl.No.
Name and Address of Board of Directors
1
2
3
4
5
6
7
8
Thiru Md.Nasimuddin, IASChairman & Managing DirectorTIIC Ltd,692 Anna Salai,Nandanam,Chennai 600 035.
Dr. Niranjan Mardi, IAS,Principal Secretary to Government,Micro, Small & Medium Enterprises Department,Government of Tamilnadu.
Thiru M.S. Shanmugam, IASJoint Secretary to GovernmentIndustries DepartmentGovernment of TamilnaduFort St. GeorgeChennai 600 009.
Thiru Prashant Wadnere, IASUnder Secretary to GovernmentFinance DepartmentGovernment of TamilnaduFort St. GeorgeChennai 600 009.
Thiru NamgialChief General ManagerSmall Industries Development Bank of India (SIDBI)'Overseas Towers', 756 L, Anna Salai, Opp. to TVSChennai 600 006.
Thiru V. Sridharan,General ManagerSmall Industries Development Bank of India (SIDBI)'Overseas Towers', 756 L, Anna Salai, Opp. to TVSChennai 600 006.
Thiru S. SundarChief General Manager (Retd), State Bank of India,No.3C, 'Sahas Manor',Door No.2B, II FloorNorth Boag Road, T. NagarChennai 600 017.
Thiru DSM Jayarajan,General Secretary,Tamilnadu Small and Tiny Industries Association (TANSTIA),No.10, GST Road, Guindy,Chennai 600 032.
109
Annexure IV
Members of Advisory Committee
1. Thiru P.V. Rajaraman, I.A.S (Retd),Chairman of the Committee.
2. Dr. T. Prabhakara Rao, I.A.S., Principal Secretary / Chairman and Managing Director Member Secretary of the Committee
3. Thiru L. Meyyappan,
M/s. ECO Pack P Ltd.
4. Dr. S. Elangovan, DGM, Lead Bank Dept, Indian Overseas Bank.
5. Thiru DE. Ramakrishnan, PresidentIFRASTE.
6. Thiru Kumar Chandrasekar, Director, M/s. CRP India P Ltd.
7. Thiru R. Subramaniam, MD, M/s. Srinidhi Fabrics.
8. Thiru K. Ilango, M/s. Rangamma Steels and Malleables
9. Thiru Palaniappan, CMD, M/s. Jothi Malleables.
110
Annexure VOne Time Settlement policy circulars and guidelines :
THE TAMILNADU INDUSTRIAL INVESTMENT CORPORATION LIMITEDNo. 692, Anna Salai, Nandanam, Chennai 600 035.-----------------------------------------------------------------------------------TIIC/HO/REC/5(b)2008-09 8th December 2008
All Regional Managers/Branch Managers/ Field Office i/c.The TIIC Limited.
CIRCULAR No.12
Sub: OTS/Compromise/Negotiated Settlement Policy for 2008-09 – Consideration of the proposal – Approved by the Board – Intimation - reg.
Ref: Minutes of the Board Meeting held on 28.11.2008.------------------------------------------------------------------
The Board of Directors of the Meeting held on 28.11.08 have reviewed the
OTS policy operated by the Corporation during the last Financial Year and approved
the following:
1. a. To Change the cut-off date for Loss and Written-off categories
without asset backup to 31.03.2008.
b. To change the cut-off date under Other Settlement Schemes to NPA
category as on 31.03.2005, which has become Doubtful, Loss or Written-
off as on 31.03.2008.
1. OTS Scheme for Loss and Written-off categories without any asset backup:
a.
Category of Loan Settlement Formula Delegated Authority
I. Loan sanction made before 01.04.1992 and transport loans as on 31.03.2008 (excluding Rigs, Excavators etc.)
10% of Principal outstanding or 5% of Principal Disbursed whichever is higher Plus 10% of other dues.
Branch Settlement Committee (BSC)
II. For cases other than I above.
1.10 times of Principal disbursed reduced by remittances or 5% of principal disbursed whichever is higher plus 25% of other dues.
BSC
b. Regarding cases where the promoters and guarantors for the loan in these categories have no net worth and recovery of any amount through legal route is not possible, a notional sum of 1% of amount disbursed may be collected towards full settlement and such proposals shall be considered by the Board.
111
1. Small Loans Settlement Scheme (SLSS) for loans upto Rs. 10.00 lakhs (NPA as on 31.03.2005 and became Doubtful/Loss/Written off as on 31.03.2008)
Category of Loan Settlement Formula Delegated Authority
I. Loans sanctioned upto 31.03.2000 for Rs. 5.00 lakhs except Transport Loan under TAHDCO Scheme.
1.10 times the principal disbursed reduced by remittance made so far or 25% of the principal O/s or Realisable value of assets, whichever is higher plus 25% of other dues.
Regional SettlementCommittee (RSC)
II. Loans sanctioned upto 31.03.2000 above Rs. 5.00 lakhs and upto Rs. 10.00 lakhs except Transport Loan under TAHDCO Scheme.
1.10 times the principal disbursed reduced by remittance made so far or 50% of the Principal O/s. or Realisable value of assets, whichever is higher plus 25% of other dues. RSC
III. Loans sanctioned on or after 01.04.2000 upto Rs. 10.00 lakhs except Transport Loan under TAHDCO Scheme.
1.5 times the principal disbursed reduced by remittance made so far or 100% of the Principal O/s or Realisable value of assets, whichever is higher plus 50% of other dues. RSC
4. OTS Scheme for Transport Loans under TAHDCO Scheme:
Category of Loan Settlement Formula Delegated Authority
I.For Transport Loans under TAHDCO Scheme (excluding Rigs, Excavators etc.), which are NPA as on 31.03.05 and became Doubtful/ Loss/Written–off as on 31.03.08.
1.10 times the principal disbursed reduced by remittance made so far or 10% of the principal disbursed, whichever is higher plus 25% of other dues.
Branch Settlement Committee (BSC)
5. The board also resolved to continue the Compromise/Negotiated Settlement Scheme for all loans sanctioned under various schemes with the following modifications:
a. For Soft Loan/Seed Capital :
Seed Capital /
Soft Loan
Settlement Formula
For all loans not written - Off Principal outstanding plus simple interest at Term loan rate less remittances subject to a minimum of Soft loan principal outstanding as on date.
For all loans already written-off As applicable to Term Loan.
112
b. OTS settlement amount in case of compromise/negotiated settlement and the quantum of waiver will be arrived at taking into consideration the total outstanding in both term loan and seed capital and soft loan accounts.
c. To authorise the Branch Settlement Committee for waiver of penal interest in the Funded Interest portion for cases under Roll Over 2003-2004 as earlier. Collection of processing fees is not applicable to these cases.
d. To discontinue the practice of reworking the waiver in Rollover cases by reverting back to earlier interest charged and charging interest to Interest Free Funded interest loan account.
5. The term “Wilful Default” would also include disposal/removable of movable/immovable assets financed by the institutions as given in security and whenever necessary, compromise proposals in the case of wilful defaulters coming under the expanded definition, as now, will be placed before the Board for approval.
6. Managing Director / Chairman and Managing Director is authorised to make necessary clarifications in the Eligibility Criteria and guidelines to facilitate smooth implementation of the scheme.
7. In respect of deserving cases not covered under above schemes, OTS may be considered by the Board on merits. However, such proposals should be taken up for consideration after prior approval of our Managing Director/Chairman and Managing Director.
8. To continue the implementation of the above schemes until further review by the Board.
You are advised to bring the contents of the Circular to the notice of all staff under your control.
FOR CHAIRPERSON AND MANAGING DIRECTOR
Cc to:
PAs to Chairperson/Managing DirectorPAs to GM/GM i/c.All Heads Of Department at Head Office
113
THE TAMILNADU INDUSTRIAL INVESTMENT CORPORATION LIMITED692, ANNA SALAI, NANDANAM, CHENNAI-600035.
TIIC/HO/REC/2008-09 23/12/2008
All Regional Managers /All Branch Managers /All Field Offices-in-charge,The TIIC Ltd.
Sub: OTS/Compromise Negotiated Settlement Policy for 2008-09 – Eligibility criteria and general guidelines – Sent – Reg.
Ref: 1. Minutes of the Board Meeting held on 28.11.2008.2. TIIC/HO/REC/5(b) 2008-09 Circular No.12 dt. 8th
December, 2008.3. Approved by CMD on 23/12/2008.
------
In continuation to the circular under reference (2) cited, the eligibility criteria
and general guidelines for the OTS/Compromise Negotiated Settlement Policy for
2008-09 is enclosed herewith.
The Regional / Branch Managers are advised to take note of the eligibility
criteria, settlement formula, guidelines and bring the contents of this Circular to the
notice of all the staff members working in the Regional / Branch Office / Field
offices.
Dy. General Manger i/c. (Recovery)
Encl.: As above.
cc to: PA to CMDPA to GM i/c.All DGMs / AGMs / Heads of Department,All Officers (Recovery & Monitoring Dept.),Internal Audit Team in Regional Office.
114
TIIC/HO/REC/2008-09
Eligibility Criteria and General Guidelines for Compromise / Negotiated and OTS Schemes 2008-09:
Eligibility Criteria / General Guidelines:
Units which are classified as Doubtful as on 31/03/2005 are eligible.
Units, which are classified as Sub-Standard Assets as on 31/03/2005, which had subsequently, became Doubtful Assets/Loss/ Written-off Assets as on 31.03.2008 are also eligible.
Settlement of individual loan accounts of the concerns is not permitted. OTS concessions can be considered only for a borrower / unit as a whole.
Seed Capital /Soft loan cases already written off will be eligible for waiver as applicable to term loan.
In respect of Seed Capital / Soft Loans not written-off, Seed Capital / Soft Loan principal outstanding and simple interest at term loan interest less remittances towards principal and interest subject to a minimum of Seed Capital / Soft Loan principal outstanding have to be paid.
OTS settlement amount in case of compromise / negotiated settlement / SLSS, the quantum of waiver will be arrived at taking into consideration, the total outstanding in Term Loan, WCTL, Generator Loan etc and seed capital / soft loan account.
The Branch Manager shall assess the realisable value of the assets wherever required under the schemes.
Units of wilful default, fraud and malfeasance as per RBI guidelines will not be covered under this scheme except under the specific instances by the Board.
Wilful default would also include disposal / removal of movable / immovable assets financed by the institutions and given as security. Whenever necessary, compromise proposals in the case of willful defaulters coming under the expanded definition, will be placed before the Board for approval.
For loans above Rs.10.00 lakhs, wherever, the quantum of waiver of Penal / Penal and Compound Interest (without any Simple Interest waiver) is less than Rs.5.00 lakhs in Term Loan, Transport Loan, Working Capital Term Loan, Generator Term Loan, the proposals are to be placed before MD for consideration.
In respect of other cases (for loans above Rs.10.00 lakhs), the proposals shall be placed before the DRC/Board as per the existing delegation.
The practice of reworking the interest at the earlier prevailing rate for Roll over cases by merging the funded interest with the term loan is discontinued.
115
The penal interest portion in the funded interest component under roll over cases for 2003-2004 will be eligible for waiver and it will be considered by BSC. No processing fees need be collected.
The units would be eligible for waiver of penal interest on merits where the realizable value is higher than the loan outstanding as per the present practice.
The borrower shall remit 15% of the principal outstanding as down payment to become eligible for OTS concessions subject to eligibility.
Processing fees with applicable Service Tax as indicated shall be collected:i. For loans disbursed upto Rs. 10.00 lakhs - Rs. 5,000ii. For loans disbursed beyond Rs. 10.00 lakhs
and upto Rs. 25.00 lakhs - Rs. 10,000iii. For loans disbursed beyond Rs. 25.00 lakhs
and upto Rs. 100.00 lakhs - Rs. 20,000iv. For loans disbursed above Rs. 100.00 lakhs - Rs. 25,000
The concern shall remit the OTS amount along with broken period interest at 13.5% p.a. on simple basis from the date of settlement committee meeting till the date of communication of the OTS approval together with other dues, other charges, interest tax, if any within 30 days from the date of communication of OTS approval.
No further interest will be charged if the loan is settled within 30 days from the date of communication of OTS approval.
The borrower has the option to pay the settlement amount in instalments provided 20% of the balance OTS amount and the other dues, incidental charges, interest tax if any, is paid within 30 days from the date of communication of OTS approval, failing which, the waiver concessions granted stands cancelled automatically.
The balance 80% of OTS amount shall be remitted in five monthly instalments with simple interest at 13.5% p.a. till the date of settlement of account and Subsidy Bridge Loans.
There is no change in the guidelines for settlement under OTS Schemes for Short Term Loans, Hire Purchase, Lease Finance and Subsidy Bridge Loan towards One Time Settlement of loan account.
If the borrower fails to pay the settlement amount or 20% of the OTS amount together with the other dues, incidental charges, interest tax if any, within 30 days from the date of communication of OTS approval, the waiver concessions granted stands cancelled automatically.
116
The cases not covered under the scheme for settlement for Loss, Written-Off cases, SLSS and scheme for settlement of Transport Loans under TAHDCO scheme can be considered under Compromise / Negotiated Settlement Scheme subject to the eligibility criteria.
All guidelines earlier issued for OTS scheme under Compromise / Negotiated Settlement Scheme shall continue to apply except specifically modified under the current year scheme.
Managing Director is authorised to waive the entire other dues in exceptional / deserving cases based on merits for all cases to facilitate settlement of accounts. By offering these concessions there should not be any refund.
Removal of Memorandum of Interest need to be placed before BSC for approval as per earlier practice after settlement of OTS amount.
All pending cases, who had already paid processing fees / down payment under the earlier schemes will be eligible for settlement under the present schemes.
The fixed deposit (security deposit), in the name of the promoter to be adjusted / pre-closed duly observing all formalities and adjusted towards OTS under the above schemes. Any amount available after settlement of loan account shall not be refunded to the borrower.
Small Loan Settlement Scheme (SLSS):
Units, which were doubtful, Loss and Written off category as on 31.03.2005 are eligible.
Units, which were sub-standard category as on 31.03.2005 and subsequently slipped to doubtful, loss and written off category as on 31.03.2008 are also eligible for concessions.
Processing fee has to be collected as applicable for Compromise Settlement Scheme.
In case of more than one loan sanctioned to the same unit, the latest date of sanction will be taken into account for determining the eligibility for settlement of all loan accounts.
Settlement of individual account under the scheme, in case of multiple accounts, is not permitted.
As per earlier practice, the loan amount mentioned in the eligibility criteria denotes the amount disbursed.
The loan amount upto Rs.10.00 lakhs under SLSS includes soft loan / seed capital outstanding also.
Loans availed for Rigs, Excavators etc. under Transport Loans under TAHDCO Scheme upto Rs.10.00 lakhs may be considered for waiver concessions under SLSS subject to eligibility criteria.
117
The fixed deposit (security deposit), in the name of the promoter to be adjusted / pre-closed duly observing all formalities and adjusted towards OTS under the above schemes. Any amount available after settlement of loan account shall not be refunded to the borrower.
The amount remitted towards CGC should not be taken into account, while considering the quantum of remittance under the Scheme.
Scheme for Loss and Written-off cases without asset backup:
The cut-off date for cases under the category is 31.03.2008.
The cases where assets are missing will not be eligible for settlement under this category. However, cases where the assets have been auctioned by the Corporation or disposed-off by the Borrower with the approval of the Corporation will be eligible for settlement.
Letter shall be sent to all the eligible cases before 09.01.2009 as per the format enclosed in Annexure-(a) advising them to settle the account before 31.03.2009. If the parties pay atleast 25% of the amount before 31.03.2009, they may be permitted to settle the account by remitting the balance amount in monthly instalments with 13.5% interest at simple rate from 01.04.2009 before 30.06.2009.
No processing fee is necessary as OTS amount is as per the fixed formula.
Settlement of individual account is not permitted.
In case, if more than one loan was sanctioned to the same unit, the latest date of sanction will be considered for determining eligibility.
The amount remitted towards CGC should not be taken into account, while considering the quantum of remittance under the Scheme.
Scheme for Settlement of Transport Loan under TAHDCO Scheme (Excluding Rigs, Excavators etc.):
Cases which were under Doubtful, Loss and Written-Off category as on 31.03.2005 are eligible.
Cases which were under Sub-Standard category as on 31.03.2005 and subsequently slipped to Doubtful, Loss and Written-Off category as on 31.03.2008 are also eligible for concessions.
The cases where assets are missing will not be eligible for settlement under this category. However, cases where the assets have been auctioned by the Corporation or disposed-off by the Borrower with the approval of the Corporation will be eligible for settlement.
Letter shall be sent to all the eligible cases before 09.01.2009 as per the format
enclosed in Annexure-(a) advising them to settle the account before 31.03.2009.
118
The loan amount under the eligibility criteria denotes amount disbursed as per earlier practice.
If the parties pay atleast 25% of the amount before 31.03.2009, they may be
permitted to settle the account by remitting the balance amount in monthly instalments with 13.5% interest at simple rate from 01.04.2009 before 30.06.2009.
No processing fee is necessary as OTS amount is as per the fixed formula.
Settlement of individual account is not permitted.
In case of more than one loan sanctioned to the same unit the latest date of sanction will be considered for determining eligibility.
The fixed deposit (security deposit), in the name of the promoter to be adjusted / pre-closed duly observing all formalities and adjusted towards OTS under the above schemes. Any amount available after settlement of loan account shall not be refunded to the borrower.
Third party fixed deposit (security deposit) may be refunded to the deposit holder, similar to returning of collateral documents to the collateral owner on settlement of loan.
The amount remitted towards CGC should not be taken into account, while considering the quantum of remittance under the Scheme.
The above Guidelines for various schemes should be read along with our earlier Circular No.12 dated 8th December 2008 issued by Recovery Department on the subject.
The eligibility criteria / guidelines are put up for approval and to be circulated to all Regional / Branch / Field Offices.
------------------
119
Annexure-(a)
FORMAT OF LETTER TO BE SENT BY THE BRANCH TO THE ELIGIBLE BORROWERS UNDER SCHEME FOR SETTLEMENT OF LOSS AND WRITTEN-OFF CASES:
Date:“Without Prejudice”
From
The Branch Manager,The TIIC Ltd.,
---------------------------------
To
The Borrower Concerned.
Sir,Sub: Settlement of your Loan under One Time Settlement (OTS) Scheme by
availing certain concessions – Reg.--------------------------------------------------------------------------------------
You have availed financial assistance from our Corporation and the following
amount is due from you as on-----------------:
(In Rupees)
Principal
Interest
Other Dues
-----------------
Total
-----------------
In this regard, our Corporation wants to make an offer under the present
OTS Policy of our Corporation under which you have to remit Rs.-------------------
before 31.03.2009 towards full settlement of our loan.
In case you are unable to remit the amount before 31.3.2009, you may remit
25% of the amount as token of acceptance of our offer before 31.03.2009 and pay
the balance amount in 3 monthly instalments before 30.06.2009 with 13.5% simple
interest for the balance amount from 01.04.2009 till the date of settlement.
120
Kindly note that our Corporation is at liberty to continue with our legal action
for recovery of amount till the entire OTS amount is remitted. Please note that this
offer is time bound and the entire amount has to be remitted with the stipulated
time; otherwise our above offer stands withdrawn.
The above offer is without prejudice to any of our rights and can be
withdrawn if found not eligible at a later date.
For any clarification in this regard you may meet the undersigned.
Yours faithfully,
Branch Manager
CC to:
1. Partners / Directors.
2. The Collateral Owner
3. Guarantors
121
ANNEXURE VIName and Designation of all the employees working in Regional /
Branch / Head Office of the CorporationAS ON 31.7.2011
SL.No. ppno
name DESIGNATION NAME OF THE BRANCH
1 558 PERUMAL.K.P D.G.M. HEAD OFFICE
2 239 SAKTHIVEL.S D.G.M. HEAD OFFICE
3 241 DINAKARABABU.V.P D.G.M. HEAD OFFICE
4 267 MOHAN.A [Sr.] D.G.M. HEAD OFFICE
5 268 GOVINDSWAMYNATHAN.S D.G.M. HEAD OFFICE
6 324 SHANMUGAM.P D.G.M. TRICHY & Madurai REGION
7 319 CHOCKALINGAM.K A.G.M. CHENNAI REGION
8 801 KIRUBAKARAN.T A.G.M. HEAD OFFICE
9 472 SRINIVASAN.G A.G.M. HEAD OFFICE
10 389 NAGARAJAN.K A.G.M. COIMBATORE REGION
11 397 SUNDARAM.P A.G.M. TIRUPPUR
12 335 GURURAJ.G A.G.M. SALEM REGION
13 346 NARAYANAN .R. A.G.M. HEAD OFFICE
14 398 DANIEL DEVAPRASAD THOMAS
A.G.M. HEAD OFFICE
15 321 JANARDHANAN.N SR.MGR. HEAD OFFICE
16 341 JAYAVELAN.P SR.MGR. CHENNAI REGION
17 1019 MURALIDHARAN.S.(MGR) SR.MGR. CUDDALORE
18 353 SEKAR. G A.G.M. MADURAI REGION
19 355 GOPALAKRISHNAN.S A.G.M. HEAD OFFICE
20 424 SUBRAMANIAN.K.V SR.MGR. HEAD OFFICE
21 426 GANESARAJARAM.R.B SR.MGR. TIRUNELVELI REGION
22 462 JAYAPRAKASAM.R SR.MGR. HEAD OFFICE
23 468 ILANGO.P SR.MGR. COIMBATORE REGION
24 559 VIVEGANANDAN.R SR.MGR. TRICHY BRANCH
25 501 MATHIAZHAGAN.V SR.MGR. HEAD OFFICE
26 507 VARADARAJAN. S SR.MGR. HEAD OFFICE
27 517 SUKUMAR.T.S SR.MGR. COIMBATORE
28 552 KALATHY.N SR.MGR. DINDUGAL
29 551 SASHIKALA.S (551) SR.MGR. HEAD OFFICE
30 555 PADMANABHAN.R SR.MGR. S.R.B.COIMBATORE
122
31 560 KANDASAMY S.K. SR.MGR. TIRUPPUR
32 598 GURURAJAPATHY.A SR.MGR. NAGERCOIL
33 597 SRINIVASAN.R SR.MGR. TIRUVALLUR BRANCH
34 79 MEYYAPPAN.S SR.MGR. TAMBARAM BRANCH
35 612 KISHOREKUMAR. R MGR. - GR.II COIMBATORE REGION
36 624 RAMASAMY.U SR.MGR. NAMAKKAL BRANCH
37 623 PAULRAJAN.E SR.MGR. SIVAKASI
38 627 SUBRAMANIAN.C MGR. - GR.II TIRUNELVELI
39 652 MALA. W.B. MGR. - GR.II TIRUVALLUR BRANCH
40 650 ASHOK. S MGR. - GR.II HEAD OFFICE
41 649 MANOHARAN. V.S MGR. - GR.II MADURAI REGION
42 655 ANANDAN V.D. MGR. - GR.II HEAD OFFICE
43 656 RAVICHANDRAN.R MGR. - GR.III CHENNAI BRANCH
44 513 PANDIAN. L MGR. - GR.III VILLUPURAM
45 180 BASKARAN.D MGR. - GR.III HEAD OFFICE
46 621 RAMASAMY.P MGR. - GR.III SALEM REGION
47 668 JAYANANDAKUMAR.V MGR. - GR.III S.R.B. CHENNAI
48 525 SEETHA RAMAN.K MGR. - GR.III HEAD OFFICE
49 670 MARAGATHAM.B MGR. - GR.III HEAD OFFICE
50 554 DHARMALINGAM.K ASST. MANAGER COIMBATORE
51 675 SUNDARAMOORTHY.M (675)
MGR. - GR.III SALEM
52 676 EKAMBARAM.V MGR. - GR.III THANJAVUR
53 719 ARUNASALARAJAN.S MGR. - GR.III MADURAI BRANCH
54 747 LAKSHMANAN.C MGR. - GR.III MADURAI REGION
55 730 ASOKAA, M. ASST. MANAGER DHARMAPURI BRANCH
56 746 BALASUBRAMANIAN.S MGR. - GR.III MADURAI REGION
57 748 ASHOKKUMAR.P DEPUTY MGR SALEM REGION
58 738 DURAIRAJ.D MGR. - GR.III HEAD OFFICE
59 751 PALANISAMY.P MGR. - GR.III KARUR
60 752 DINAKARAN.K MGR. - GR.III COIMBATORE
61 755 RANGARAJU.M ASST. MANAGER KARUR
62 754 GUNASEKARAN P MGR. - GR.III ERODE
63 759 SARASWATHI.K DEPUTY MGR CHENNAI REGION
64 760 RENGANATHAN.T DEPUTY MGR COIMBATORE REGION
65 756 SUNDARESAN.A.R DEPUTY MGR VELLORE
66 749 CHOCKANATHAN. S DEPUTY MGR HEAD OFFICE
123
67 762 PARVATHY.A DEPUTY MGR TRICHY REGION
68 784 JANARDHANAN.K ASST. MANAGER DHARMAPURI BRANCH
69 785 MANOHARAN.M DEPUTY MGR TRICHY REGION
70 780 RAMESH.R.J DEPUTY MGR VILLUPURAM
71 777 PALANIVEL.R DEPUTY MGR ERODE
72 219 TAMILSELVAN.S DEPUTY MGR MADURAI BRANCH
73 787 JAYAKANTHAN.A ASST. MANAGER TIRUNELVELI
74 789 SUSILKUMAR.K DEPUTY MGR PUDUKKOTTAI
75 788 TAMILARASAN.A DEPUTY MGR SALEM
76 778 CHITRA SHENBAGA VALLI.R
DEPUTY MGR TRICHY BRANCH
77 779 BHUVANESWARI K DEPUTY MGR DINDUGAL
78 791 ASHOK B.G. DEPUTY MGR TAMBARAM BRANCH
79 796 SAHADEVAN.G DEPUTY MGR DHARMAPURI BRANCH
80 798 THIRUNAVUKKARASU. S (798)
DEPUTY MGR VELLORE
81 800 KUMAR.V DEPUTY MGR THANJAVUR
82 793 MURUGESAN.K. (793) DEPUTY MGR TUTICORIN
83 811 RAJENDRAN.V.A DEPUTY MGR HOSUR
84 823 MALLIGA.M DEPUTY MGR HEAD OFFICE
85 826 HARIHARAN.K DEPUTY MGR TAMBARAM BRANCH
86 825 RAJENDRAN.S DEPUTY MGR COIMBATORE
87 757 MEENAKSHISUNDARAM K DEPUTY MGR HEAD OFFICE
88 920 MOHAN.T ASST. MANAGER HOSUR
89 119 MURTHI.C.S.N ASST. MANAGER ERODE
90 1049 RADHA, K [1049] ASST. MANAGER TIRUVALLUR BRANCH
91 287 NARAYANAMURTHY.R ASST. MANAGER HEAD OFFICE
92 923 ELENCHEZHIAN.K ASST. MANAGER HEAD OFFICE
93 1082 VEERABADRAN.B ASST. MANAGER HEAD OFFICE
94 1032 SHANTI.K.J ASST. MANAGER ERODE
95 1038 RAJU, A.J.S. ASST. MANAGER HEAD OFFICE
96 1085 KARUNAKARAN.T ASST. MANAGER TIRUPPUR
97 372 KIRUPA N. ASST. MANAGER HEAD OFFICE
98 357 MURUGAN.S (357) ASST. MANAGER TAMBARAM BRANCH
99 282 RAVINDRAN. P ASST. MANAGER KARAIKUDI
100 402 JAYANTHI.B ASST. MANAGER CHENNAI BRANCH
101 425 SELVARAJ A.P. ASST. MANAGER TIRUNELVELI REGION
102 416 MURUGESAN K. (416) ASST. MANAGER SALEM
124
103 145 KANNAN.R ASST. MANAGER NAMAKKAL BRANCH
104 161 MANI.A ASST. MANAGER HEAD OFFICE
105 211 SAVITHRI R. ASST. MANAGER TAMBARAM BRANCH
106 231 GEORGE RAJAN.T. ASST. MANAGER NAGERCOIL
107 246 ABDUL GAFFOOR.M.H SR.OFFICER HEAD OFFICE
108 251 MANOHAR.S SR.OFFICER CHENNAI BRANCH
109 252 RAJARETHINAM M SR.OFFICER HEAD OFFICE
110 253 VASAN.R.S SR.OFFICER TIRUVALLUR BRANCH
111 254 MOHAN. D SR.OFFICER CHENNAI BRANCH
112 255 GOPINATH.T.R SR.OFFICER HEAD OFFICE
113 256 VASANTHAMOHAN. R. SR.OFFICER HEAD OFFICE
114 259 MUNSIFF SAH. T.R. SR.OFFICER HEAD OFFICE
115 260 VANAJA. M. SR.OFFICER CHENNAI BRANCH
116 258 SANTHI.S SR.OFFICER HEAD OFFICE
117 265 RENUKA DEVI.A SR.OFFICER HEAD OFFICE
118 278 LALITHA. T. SR.OFFICER HEAD OFFICE
119 280 JOTHIKUMAR.V SR.OFFICER TIRUVALLUR BRANCH
120 281 KULASEKARARAJ.P SR.OFFICER TIRUVANNAMALAI F.O.
121 288 RAJARAM.P SR.OFFICER DINDUGAL
122 289 PADMAVATHY.R SR.OFFICER PUDUKKOTTAI
123 290 RAGUPATHY.N SR.OFFICER COIMBATORE
124 297 MARIMUTHU.C SR.OFFICER TRICHY REGION
125 296 RAMALINGAM.S SR.OFFICER THANJAVUR
126 292 SUBRAMANIAN.L SR.OFFICER HOSUR
127 293 GOPAKUMAR.V SR.OFFICER SIVAKASI
128 294 SAMPATH.M SR.OFFICER TRICHY REGION
129 298 VEERAPPAN ILANGOVAN SR.OFFICER TRICHY BRANCH
130 1122 SURIYA.J SR.OFFICER HEAD OFFICE
131 1123 BABY.S SR.OFFICER COIMBATORE
132 1124 KATHAMBARI.S SR.OFFICER CHENNAI BRANCH
133 248 DEVARAJ.D OFFICER - GR.II S.R.B. CHENNAI
134 295 LEELAVATHI.S OFFICER - GR.II TRICHY REGION
135 299 DHANDAYUTHAPANI.V OFFICER - GR.II KARAIKUDI
136 300 NAVARASAN.M OFFICER - GR.II HEAD OFFICE
137 284 SRINIVASAN K. (284) OFFICER - GR.II TIRUVALLUR BRANCH
138 286 BALASUBRAMANI.G OFFICER - GR.III S.R.B. CHENNAI
139 302 RAJAGOPALAN.V OFFICER - GR.II VILLUPURAM
125
140 303 ANBALAGAN. S (303) OFFICER - GR.II CHENNAI BRANCH
141 304 SATHYANARAYANAN K OFFICER - GR.II HEAD OFFICE
142 307 MARIMUTHU.P OFFICER - GR.II COIMBATORE
143 309 SUBRAMANIAN.K.S. OFFICER - GR.II S.R.B.COIMBATORE
144 310 TIRUPATHI. R OFFICER - GR.II HOSUR
145 314 QUIRSHEETH ALI BAIG.A OFFICER - GR.II VILLUPURAM
146 315 SELVARAJU. K. OFFICER - GR.II CUDDALORE
147 312 AYYAVU.A.S OFFICER - GR.II CHENNAI REGION
148 317 MOHANARANGAM.P OFFICER - GR.II TRICHY BRANCH
149 320 SELVARAJU.K.C. OFFICER - GR.III TUTICORIN
150 323 RAMALINGAM D. OFFICER - GR.II TIRUVALLUR BRANCH
151 328 NAGARAJ.S (1960) OFFICER - GR.II COIMBATORE
152 332 BASKARAN. P.E OFFICER - GR.II TAMBARAM BRANCH
153 344 KATHIRVEL.R OFFICER - GR.III TIRUPPUR
154 359 RAJABAI.V. OFFICER - GR.II NAGERCOIL
155 363 VEDAVALLI.V OFFICER - GR.II TIRUVALLUR BRANCH
156 364 VIJAYALAKSMI, M OFFICER - GR.III HEAD OFFICE
157 366 SUSILA.K OFFICER - GR.III HEAD OFFICE
158 370 AMARNATH.A OFFICER - GR.III TRICHY BRANCH
159 378 PAUL JOSHUA V. OFFICER - GR.III CUDDALORE
160 379 BASKARAN. R (379) OFFICER - GR.III S.R.B.COIMBATORE
161 381 JAGANNATHAN, N OFFICER - GR.III COIMBATORE
162 395 SUBBURAJ.T.P OFFICER - GR.III SIVAKASI
163 400 THAMIZHARASI.K OFFICER - GR.III HEAD OFFICE
164 404 MAHENDRAN.S OFFICER - GR.III NAMAKKAL BRANCH
165 406 ESWARLAL .P.N.B OFFICER - GR.III THENI FIELD OFFICE
166 405 RAGAVENDRAN.R OFFICER - GR.III TIRUPPUR
167 408 RAVINDRAN. S OFFICER - GR.III HEAD OFFICE
168 407 RADHA K. (407) OFFICER - GR.III HEAD OFFICE
169 410 KAMAL BATCHA K OFFICER - GR.III DINDUGAL
170 413 SAVITHIRI.A OFFICER - GR.III TIRUPPUR
171 414 TAMILARASI. S. OFFICER - GR.III NAGERCOIL
172 411 NARAYANAN.R OFFICER - GR.III RAMANAD F.O.
173 415 ANTHONY RAJ.S OFFICER - GR.III SALEM
174 417 DURGA BAI.B OFFICER - GR.III HEAD OFFICE
175 419 SRINIVASAN.N OFFICER - GR.III VELLORE
176 420 ELAVARASI.P OFFICER - GR.III HOSUR
126
177 403 MAYALAGU.R OFFICER - GR.III TIRUNELVELI REGION
178 422 VASANTHA AROKIA RANI.A
OFFICER - GR.III COIMBATORE
179 427 NAKKERAN.N OFFICER - GR.III VIRUDHUNAGAR
180 428 BHARATHI.S OFFICER - GR.III TUTICORIN
181 429 YATHIRAJULU.R OFFICER - GR.III DINDUGAL
182 432 RAMAKRISHNAN.N OFFICER - GR.III MADURAI REGION
183 433 NAGARAJAN S. (433) OFFICER - GR.III TRICHY BRANCH
184 434 BASKARAN.R (434) OFFICER - GR.III KARUR
185 435 GANAPATHI.P OFFICER - GR.III DINDUGAL
186 436 MURUGESAN.K. (436) OFFICER - GR.III TIRUNELVELI
187 437 MOHAN.P OFFICER - GR.III PUDUKKOTTAI
188 443 BASKARAN.P.S OFFICER - GR.III MADURAI BRANCH
189 444 RAGHAVAN.S OFFICER - GR.III PUDUKKOTTAI
190 445 JAWAHAR .S.M OFFICER - GR.III MADURAI BRANCH
191 446 RATHINAMOORTHY.G OFFICER - GR.III KARAIKUDI
192 431 BALASUBRAMANIAM, M OFFICER - GR.III TUTICORIN
193 377 MATHIVANAN. M OFFICER - GR.III THANJAVUR
194 380 SARAVANAGANESAN.P OFFICER - GR.III KARUR
195 449 HARIKUMAR D. OFFICER - GR.III VELLORE
196 452 SUGUNA PRABHAKARAN R OFFICER - GR.III COIMBATORE REGION
197 459 BALASUBRAMANIAN.K OFFICER - GR.III TRICHY REGION
198 461 ALAMELU.S OFFICER - GR.III TRICHY BRANCH
199 465 MAHENDRANATH, N.K. OFFICER - GR.III MADURAI BRANCH
200 466 SHANMUGASUNDARAM.M OFFICER - GR.III KARAIKUDI
201 467 DURGA.P.S. OFFICER - GR.III TIRUVALLUR BRANCH
202 478 HEMALATHA. R. OFFICER - GR.III HEAD OFFICE
203 340 VIJAYAKUMAR.R J.O. - GR.I HEAD OFFICE
204 448 GANESH BABU.M.L J.O. - GR.II SALEM
205 451 ROSEE.A.K J.O. - GR.II HEAD OFFICE
206 457 JAMUNA. N J.O. - GR.II HEAD OFFICE
207 479 GRACY.T. J.O. - GR.II NAGERCOIL
208 480 RAMAMANI. G. J.O. - GR.II S.R.B. CHENNAI
209 481 SUNDARI.K J.O. - GR.II HEAD OFFICE
210 483 MYLSAMI M P J.O. - GR.II TIRUPPUR
211 484 THIRUNAVUKKARASU (484)
J.O. - GR.II VELLORE
212 485 DEVARAJ.R J.O. - GR.II TRICHY BRANCH
127
213 482 ILANGO.S.P.R J.O. - GR.II NAMAKKAL BRANCH
214 486 RAJA.V J.O. - GR.II DINDUGAL
215 488 THANGARAJU S. J.O. - GR.II THENI FIELD OFFICE
216 487 THIYAGARAJAN.T (487) J.O. - GR.II VIRUDHUNAGAR
217 490 VANAJAKUMARI.T. J.O. - GR.II NAGERCOIL
218 491 MURALIDHARAN.S J.O. - GR.II HEAD OFFICE
219 493 JACKSON.M J.O. - GR.II COIMBATORE
220 494 KOTEESWARAN.M J.O. - GR.II HEAD OFFICE
221 495 PALANISWAMY.L J.O. - GR.II KARAIKUDI
222 496 PONNUSAMY. R J.O. - GR.II S.R.B.COIMBATORE
223 497 VILASINI. G J.O. - GR.II COIMBATORE REGION
224 492 GANESAN.K J.O. - GR.II SIVAKASI
225 510 PRABAKARAN.K J.O. - GR.II HEAD OFFICE
226 523 VENKATESAN.R J.O. - GR.II SALEM
227 520 KANAGARAJU.N J.O. - GR.II SALEM
228 521 NAGARAJAN.D J.O. - GR.II KARUR
229 522 RAMASAMY, K [522] J.O. - GR.II KARUR
230 530 NAGARAJAN.A (530) J.O. - GR.II THANJAVUR
231 528 PONNAMBALAM.P J.O. - GR.II TRICHY REGION
232 524 MILTON.B.H.S J.O. - GR.II TRICHY BRANCH
233 526 RAJKUMAR.H J.O. - GR.II PUDUKKOTTAI
234 531 THANIGAISELVAN.G J.O. - GR.II PUDUKKOTTAI
235 532 RAJENDRAN.R J.O. - GR.II COIMBATORE
236 542 VENKATARAMANAN .S J.O. - GR.II TRICHY BRANCH
237 541 RAMAMOORTHY.S J.O. - GR.II THANJAVUR
238 534 GOVINDARAJU.K J.O. - GR.II NAMAKKAL BRANCH
239 535 KUPPUSAMY.S (535) J.O. - GR.II SALEM REGION
240 538 CHANDRAMOULI.G J.O. - GR.II DHARMAPURI BRANCH
241 533 SIRAJ AHAMED.A J.O. - GR.II CHENNAI BRANCH
242 537 PARIMELALAGAN.G J.O. - GR.II TRICHY BRANCH
243 536 THACHINAMOORTHY.T J.O. - GR.II SALEM REGION
244 543 RAMKUMAR.V J.O. - GR.II KARUR
245 545 NAGARAJAN.A (545) J.O. - GR.II SALEM
246 548 MOHAMED HANEEFA.A J.O. - GR.II PUDUKKOTTAI
247 547 RAJENDRAN.K J.O. - GR.II KARUR
248 549 SAKTHIVEL.J J.O. - GR.II NAMAKKAL BRANCH
249 562 SELVAMANI.E J.O. - GR.II TIRUVALLUR BRANCH
128
250 564 KRISHNAKUMARI. K. J.O. - GR.II CHENNAI BRANCH
251 565 SHANTHI.C (565) J.O. - GR.II HEAD OFFICE
252 566 RAVINDRAN. G. J.O. - GR.II HEAD OFFICE
253 568 RAJENDRAN.P J.O. - GR.II TIRUVALLUR BRANCH
254 571 KUMARAPPAN.L J.O. - GR.II HEAD OFFICE
255 573 MOHAN.D J.O. - GR.II HEAD OFFICE
256 575 MOHANAKRISHNAN.N J.O. - GR.II HEAD OFFICE
257 577 YESSOLAKSHMI.S.N J.O. - GR.II HEAD OFFICE
258 578 KARUNANITHI. R. J.O. - GR.II TAMBARAM BRANCH
259 579 VALAIYAPATHY.S J.O. - GR.II TIRUVALLUR BRANCH
260 580 SIVAKAMI.T.S J.O. - GR.II DINDUGAL
261 587 RADHAKRISHNAMOORTHY N
J.O. - GR.II TIRUVALLUR BRANCH
262 593 KAMALAKANNAN.A J.O. - GR.II HEAD OFFICE
263 594 VALAYAPATHY.R J.O. - GR.II HEAD OFFICE
264 601 KANAGARAJ.K J.O. - GR.II COIMBATORE
265 617 RAVIKUMAR.V J.O. - GR.II DINDUGAL
266 618 SHANTHA.N. J.O. - GR.II TIRUNELVELI REGION
267 613 RAJENDRAN.M J.O. - GR.II VILLUPURAM
268 615 GANAPATHYAMMAL. R J.O. - GR.II COIMBATORE REGION
269 614 DORAIRAJ.R J.O. - GR.II HEAD OFFICE
270 634 BALACHANDAR.A.R J.O. - GR.II HEAD OFFICE
271 638 PARTHASARATHY.R J.O. - GR.II DINDUGAL
272 639 PRASAD.P.S J.O. - GR.II HEAD OFFICE
273 629 JAMUNA. A J.O. - GR.II VELLORE
274 631 SELVAKUMAR. M J.O. - GR.II VELLORE
275 640 RAMAMURTHY. G (640) J.O. - GR.II VELLORE
276 635 DHASARATHAN.S J.O. - GR.II MADURAI BRANCH
277 633 VARADHARAJ.J.K J.O. - GR.II MADURAI BRANCH
278 637 PRASHANTHI.K J.O. - GR.II HEAD OFFICE
279 644 THARCIS MANOHARAN, A J.O. - GR.II NAMAKKAL BRANCH
280 646 KASTHURI.A J.O. - GR.II VIRUDHUNAGAR
281 663 MOHANKUMAR C.M.V. J.O. - GR.II CHENNAI REGION
282 665 GEETHA.M J.O. - GR.II HEAD OFFICE
283 677 TAMILSELVAN. P J.O. - GR.II CHENNAI REGION
284 679 VENKATESH. GR. J.O. - GR.II HEAD OFFICE
285 681 RAVICHANDRAN.M J.O. - GR.II HEAD OFFICE
129
286 683 MOHANKUMAR. P J.O. - GR.II HEAD OFFICE
287 682 VENKATESAN. C. J.O. - GR.II HEAD OFFICE
288 687 SIVAKUMAR. N J.O. - GR.II HEAD OFFICE
289 684 USHARANI. S. J.O. - GR.II HEAD OFFICE
290 686 ESWARAMURTHY.S J.O. - GR.II CHENNAI BRANCH
291 688 RAJASEKARAN.S J.O. - GR.II TAMBARAM BRANCH
292 689 USHAADEVI. SR. J.O. - GR.II HEAD OFFICE
293 692 DEVAKUMAR.T.B J.O. - GR.II HEAD OFFICE
294 693 SRIDHAR. G.B. J.O. - GR.II HEAD OFFICE
295 694 GAYAS BASHA.J J.O. - GR.II HEAD OFFICE
296 695 SIVASANKARAN.N J.O. - GR.II HEAD OFFICE
297 696 SUBBIAH.S J.O. - GR.II HEAD OFFICE
298 698 RAVICHANDRAN.V J.O. - GR.II HEAD OFFICE
299 700 SURESH.K J.O. - GR.II HEAD OFFICE
300 702 ELANGOVAN.L. J.O. - GR.II TIRUVALLUR BRANCH
301 703 LAKSHMI.P J.O. - GR.II HEAD OFFICE
302 706 SURYAMURTHY.S J.O. - GR.II TAMBARAM BRANCH
303 708 VIMALA K. J.O. - GR.II MADURAI BRANCH
304 704 KANDAVEL.S.S J.O. - GR.II S.R.B. CHENNAI
305 705 JAGANATHAN. L. J.O. - GR.II HEAD OFFICE
306 707 JESURAJ SELWYN.S J.O. - GR.II CHENNAI REGION
307 709 GNANASEKAR.M J.O. - GR.II TIRUVALLUR BRANCH
308 680 KRISHNARAJ.D J.O. - GR.II VELLORE
309 685 CHANDRIKA.P.R J.O. - GR.II HEAD OFFICE
310 691 SIVASAKTHI.A J.O. - GR.II HEAD OFFICE
311 697 VIJAYA.J J.O. - GR.II S.R.B. CHENNAI
312 715 KUMUDAVALLI. R. J.O. - GR.II HEAD OFFICE
313 716 KALAISELVI.PL.S J.O. - GR.II HEAD OFFICE
314 717 JOHN BRIGHT.M. J.O. - GR.II TIRUPPUR
315 721 VIJEYA. VR J.O. - GR.II S.R.B. CHENNAI
316 723 ELIZABETH.V J.O. - GR.II TIRUVANNAMALAI F.O.
317 726 VALARMATHI.R (726) J.O. - GR.II HEAD OFFICE
318 720 SANKAR.V J.O. - GR.II DHARMAPURI BRANCH
319 728 NAGARAJAN.S (728) J.O. - GR.II TAMBARAM BRANCH
320 722 PARTHASARATHY. A. J.O. - GR.II CHENNAI BRANCH
321 724 SOMASUNDARAM.K.R J.O. - GR.II HEAD OFFICE
130
322 729 USHA RANI.M J.O. - GR.II HEAD OFFICE
323 734 PARVATHI.G J.O. - GR.II HEAD OFFICE
324 733 SUBRAMANINAN.D J.O. - GR.II DHARMAPURI BRANCH
325 741 JEYAKUMARI. M J.O. - GR.II HEAD OFFICE
326 767 RAMAKRISHNAN.S (767) J.O. - GR.II ERODE
327 769 RAJAN RAAMALINGAM. N J.O. - GR.II COIMBATORE
328 765 MURUGAN.K J.O. - GR.II CHENNAI BRANCH
329 770 UMARANI.S J.O. - GR.II HOSUR
330 772 JEHANGIR BASHA.M J.O. - GR.II HOSUR
331 773 DEVI.S J.O. - GR.II HOSUR
332 766 RAVICHANDRAN. V J.O. - GR.II TIRUPPUR
333 774 BALASIVASANKARAN. B. J.O. - GR.II COIMBATORE REGION
334 763 AMUDHA.E J.O. - GR.II TIRUVALLUR BRANCH
335 764 SELVARAJ. A. J.O. - GR.II COIMBATORE
336 781 RATNABAI KESAL RANI.W J.O. - GR.II COIMBATORE
337 809 MURUGAVEL.M J.O. - GR.II MADURAI REGION
338 810 RAJASEKARAN.R.A. J.O. - GR.II DINDUGAL
339 812 ANANTHI. V J.O. - GR.II HEAD OFFICE
340 813 RAJATHI. R. J.O. - GR.II S.R.B.COIMBATORE
341 819 KINGSTON NIRMALKUMAR. J
J.O. - GR.II TIRUPPUR
342 818 KANCHANA DEVI. K. J.O. - GR.II HOSUR
343 816 SELVI.B J.O. - GR.II TIRUNELVELI
344 820 THAVAMANI K J.O. - GR.II S.R.B.COIMBATORE
345 822 MUSTHIRI MOHAMMED J.O. - GR.II COIMBATORE
346 827 NAGARAJAN. R J.O. - GR.II S.R.B.COIMBATORE
347 893 MOTHA RENALD J.O. - GR.II TUTICORIN
348 902 MEENAKSHI. R J.O. - GR.II TIRUVALLUR BRANCH
349 894 KANDASAMY KANNAN.G J.O. - GR.II MADURAI REGION
350 887 RAJESWARI.K J.O. - GR.II TIRUNELVELI
351 888 SARASWATHI. S.K. J.O. - GR.II CUDDALORE
352 892 KALIDASU.P J.O. - GR.II TIRUPPUR
353 895 RAVIKUMAR.P.S J.O. - GR.II SIVAKASI
354 898 CHOCKALINGAM. V.M. J.O. - GR.II TIRUNELVELI REGION
355 896 JEBARANI.S J.O. - GR.II SIVAKASI
356 903 DEIVARANI. P J.O. - GR.II HEAD OFFICE
357 899 TAMILSELVI .C J.O. - GR.II VIRUDHUNAGAR
131
358 889 SHANTHA.P J.O. - GR.II TIRUNELVELI
359 901 KANAGARAJAN.K J.O. - GR.II KARAIKUDI
360 891 PAKSHIRAJAN.M. J.O. - GR.II TUTICORIN
361 905 MAITHEEN GANI.A J.O. - GR.II HEAD OFFICE
362 828 PALANISELVAM.B J.O. - GR.II PUDUKKOTTAI
363 906 MUTHUKUMAR.G J.O. - GR.II PUDUKKOTTAI
364 907 CHELLADURAI.C J.O. - GR.II TUTICORIN
365 908 ELAVARASAN.L J.O. - GR.II CUDDALORE
366 853 KANNAN K. J.O. - GR.II MADURAI BRANCH
367 840 VASANTHI P. J.O. - GR.II TIRUVANNAMALAI F.O.
368 829 PARTHIBAN S J.O. - GR.II TIRUVALLUR BRANCH
369 849 BALASUBRAMANIAN.S (849)
J.O. - GR.II MADURAI REGION
370 831 RAVI.M J.O. - GR.II VILLUPURAM
371 850 THIAGARAJAN.R J.O. - GR.II RAMANAD F.O.
372 833 KHAJA MOHIDEEN..P.A. J.O. - GR.II CHENNAI BRANCH
373 844 MURUGAN N.P. J.O. - GR.II DHARMAPURI BRANCH
374 832 VAIDEHI. K.R J.O. - GR.II HEAD OFFICE
375 842 CHITRAISELVI.P J.O. - GR.II THENI FIELD OFFICE
376 830 SEKAR. M J.O. - GR.II S.R.B. CHENNAI
377 836 KUMARESAN.G J.O. - GR.II HEAD OFFICE
378 838 PICHANDI.A J.O. - GR.II CHENNAI REGION
379 843 SATHIYAVATHI.K.K J.O. - GR.II MADURAI BRANCH
380 834 BHAVANI. M J.O. - GR.II VELLORE
381 1025 MOHAN. S J.O. - GR.II HEAD OFFICE
382 837 BHUVANESWARI.N.P J.O. - GR.II S.R.B. CHENNAI
383 839 CHITRA.S J.O. - GR.II MADURAI REGION
384 847 VIJAYALAKSHMI K J.O. - GR.II SIVAKASI
385 841 SELVI.P J.O. - GR.II MADURAI BRANCH
386 909 KARUNAGARAN.B J.O. - GR.II RAMANAD F.O.
387 910 JAYALAKSHMI.C J.O. - GR.II KARAIKUDI
388 856 RAJU T.V.G J.O. - GR.II HEAD OFFICE
389 863 SUNDARARAJAN.G J.O. - GR.II CHENNAI BRANCH
390 860 GOKULAKRISHNAN.T.S J.O. - GR.II TIRUVALLUR BRANCH
391 862 SURESH BABU.D J.O. - GR.II HEAD OFFICE
392 854 SANTHANAM.D J.O. - GR.II TRICHY REGION
393 858 RAMATHILAKAM.M J.O. - GR.II HEAD OFFICE
394 865 SULOCHANA.M J.O. - GR.II HEAD OFFICE
132
395 877 SANTHOSH KUMAR.N J.O. - GR.II HEAD OFFICE
396 879 BOOPATHI.S J.O. - GR.II HEAD OFFICE
397 878 VICTOR.E. J.O. - GR.II NAGERCOIL
398 874 KARTHINI.P J.O. - GR.II THANJAVUR
399 852 AUGUSTINE MANONMANI.K
J.O. - GR.II HEAD OFFICE
400 855 EDWIN.J J.O. - GR.II HEAD OFFICE
401 871 SANTHANA KENNEDY.P J.O. - GR.II DINDUGAL
402 882 THANGAKRISHNAN.M J.O. - GR.II CHENNAI REGION
403 873 RAMESH BABU. E J.O. - GR.II HEAD OFFICE
404 859 PARIMALA.E J.O. - GR.II CHENNAI BRANCH
405 875 GOVINDARAJI.M J.O. - GR.II TIRUNELVELI REGION
406 881 HEMALATHA.S J.O. - GR.II ERODE
407 861 ANBALAGAN. S (861) J.O. - GR.II HEAD OFFICE
408 872 SELVAN ARUMUGAM.T J.O. - GR.II TUTICORIN
409 876 ARANGASAMY. P J.O. - GR.II CHENNAI REGION
410 866 THENMOZHI. C J.O. - GR.III THANJAVUR
411 880 THIRUPURA SUNDARI.D J.O. - GR.III TIRUVALLUR BRANCH
412 885 GOVINDARAJ.R J.O. - GR.III TRICHY BRANCH
413 886 MAHESH.P.S J.O. - GR.III TIRUVALLUR BRANCH
414 912 KOMALAVALLI.P J.O. - GR.III HEAD OFFICE
415 883 VALARMATHI.R (883) J.O. - GR.III HEAD OFFICE
416 884 SENTHILKUMARI.B J.O. - GR.III ERODE
417 1041 MURALI.P J.O. - GR.III HEAD OFFICE
418 900 SANGAMITHIRAI.J J.O. - GR.III ERODE
419 1065 NAGARAJAN.P J.O. - GR.III NAGERCOIL
420 1042 THIRUGANASAMBANDAN.T
J.O. - GR.III S.R.B. CHENNAI
421 1024 BARATHAZVAR J.O. - GR.III HEAD OFFICE
422 1043 RAMA.B J.O. - GR.III TRICHY BRANCH
423 235 MANIAN. N J.O. - GR.III S.R.B.COIMBATORE
424 671 KIRUBARANI.S J.O. - GR.III HEAD OFFICE
425 263 PALAYATHAN.V J.O. - GR.III HEAD OFFICE
426 318 SANKAR.V.S J.O. - GR.III PUDUKKOTTAI
427 322 RAMASAMY. K (322) J.O. - GR.III TIRUNELVELI
428 1063 LAKSHMANAN.A J.O. - GR.III CUDDALORE
429 1106 RADHA K. (1106) J.O. - GR.III CUDDALORE
430 1050 SUTHA.S J.O. - GR.III TIRUVANNAMALAI F.O.
133
431 1058 SIVANANDAM.A.M. J.O. - GR.III THANJAVUR
432 1105 MANOHARAN.M.R J.O. - GR.III MADURAI REGION
433 1053 RANI.V J.O. - GR.III TRICHY REGION
434 1107 BALAKRISHNAN.A J.O. - GR.III TUTICORIN
435 1056 MURUGAN.M.C J.O. - GR.III SIVAKASI
436 1047 KAMRAJ.S J.O. - GR.III NAMAKKAL BRANCH
437 1055 RAVIKUMAR.J J.O. - GR.III HOSUR
438 1054 UDAYAKUMAR.M J.O. - GR.III TIRUPPUR
439 1060 PANDIAN.G J.O. - GR.III DHARMAPURI BRANCH
440 1061 NEELAVATHI.P J.O. - GR.III COIMBATORE
441 1052 THILAGAM.K J.O. - GR.III ERODE
442 1062 SASIKALA. L (1062) J.O. - GR.III TIRUPPUR
443 1048 SENTHILKUMAR.S J.O. - GR.III KARUR
444 1064 DHANALAKSHMI.E J.O. - GR.III ERODE
445 643 SHANTHI. C (643) ASST. - GR.III TAMBARAM BRANCH
446 306 ANANDAN.V ASST. - GR.II S.R.B. CHENNAI
447 585 GURURAJ THOMAS J. ASST. - GR.II SIVAKASI
448 583 HARIRAMAN.P ASST. - GR.II MADURAI REGION
449 503 RAJI.T ASST. - GR.II ERODE
450 273 VEERARAGHAVAN. B.G. ASST. - GR.II S.R.B. CHENNAI
451 166 BABU.V.E R.C. - GR.I HEAD OFFICE
452 262 PRAKASAM.P.V R.C. - GR.II HEAD OFFICE
453 354 SUNDARAM.K (354) R.C. - GR.II TRICHY REGION
454 602 RAJU.V R.C. - GR.II TRICHY BRANCH
455 599 KOMBIAH.M R.C. - GR.II TIRUNELVELI
456 313 VASAN.A R.C. - GR.II CUDDALORE
457 373 RAVINDRAN. P R.C. - GR.II TIRUPPUR
458 271 DURAIKANNU.P R.C. - GR.II S.R.B. CHENNAI
459 396 JOTHI.S R.C. - GR.III PUDUKKOTTAI
460 421 SETHURATHINAM.R R.C. - GR.II KARAIKUDI
461 441 ANNADURAI. M R.C. - GR.II CHENNAI BRANCH
462 508 KUPPUSAMY.R R.C. - GR.II HEAD OFFICE
463 584 SELVAN. S R.C. - GR.II VIRUDHUNAGAR
464 588 MANOHARAN. N R.C. - GR.II DINDUGAL
465 600 SOMARAJ.M R.C. - GR.II HEAD OFFICE
466 653 SUNDARAM.K (653) R.C. - GR.II HOSUR
467 710 GOMATHINAYAGAM.S R.C. - GR.II THENI FIELD OFFICE
134
468 743 KATHIRESAN.M R.C. - GR.II TIRUVANNAMALAI F.O.
469 736 RANGANATHAN.P R.C. - GR.II TIRUVALLUR BRANCH
470 802 FAZAL MOHAMED.G R.C. - GR.II VILLUPURAM
471 1104 KASIMANI.S R.C. - GR.II ERODE
472 1117 SHANTHI P. R.C. - GR.II MADURAI BRANCH
473 1120 USHA.C R.C. - GR.III THANJAVUR
474 1121 NIRMALA MARY R.C. - GR.III COIMBATORE
475 305 BALARAMAN, P DRIVER - GR.I HEAD OFFICE
476 369 PRAKASH KUMAR.S DRIVER - GR.I HOSUR
477 368 SEKAR. P DRIVER - GR.I TRICHY REGION
478 388 RAJASEKARAN.K. DRIVER - GR.I NAGERCOIL
479 474 ANBUIRUDAYARAJ G. DRIVER - GR.I CUDDALORE
480 605 MURUGESAN.M (1961) DRIVER - GR.I DINDUGAL
481 654 RAJENDRAN.C DRIVER - GR.I SALEM
482 672 ANTONYCHAMY,B. DRIVER - GR.I TIRUNELVELI REGION
483 742 RAMAMOORTHY.A DRIVER - GR.I TUTICORIN
484 744 MUNIASAMY.C DRIVER - GR.I RAMANAD F.O.
485 782 VENKATESAN.V DRIVER - GR.I TAMBARAM BRANCH
486 783 SUKUMARAN, R DRIVER - GR.I TIRUNELVELI
487 814 SADASIVARAJ, R DRIVER - GR.I HEAD OFFICE
488 821 VEERAPANDIAN.S DRIVER - GR.I HEAD OFFICE
489 1068 CHINNADURAI.S DRIVER - GR.II MADURAI BRANCH
490 596 KANNAN.L DRIVER - GR.II PUDUKKOTTAI
491 924 SHANMUGAM. M DRIVER - GR.II HEAD OFFICE
492 803 ANTHONY RAJ. R.M DRIVER - GR.II CHENNAI BRANCH
493 1071 SHANMUGASAMY.S DRIVER - GR.II TIRUPPUR
494 1075 MURUGAN. S (1075) DRIVER - GR.II KARAIKUDI
495 1014 AMBIRAJAN. S DRIVER - GR.II HEAD OFFICE
496 1077 VELMURUGAN. K DRIVER - GR.II COIMBATORE
497 1002 BALAKUMAR.K DRIVER - GR.II HEAD OFFICE
498 1078 JAYAVELU A. DRIVER - GR.II TIRUVALLUR BRANCH
499 953 NACHIMUTHU.K DRIVER - GR.II COIMBATORE REGION
500 1091 MATHAIYAN.K DRIVER - GR.II DHARMAPURI BRANCH
501 1094 SUBRAMANI.N DRIVER - GR.II VELLORE
502 1095 MATHIALAGAN.P DRIVER - GR.II THANJAVUR
503 1012 ANANDAN.G DRIVER - GR.II HEAD OFFICE
504 1013 GUNALAN. J DRIVER - GR.II HEAD OFFICE
135
505 1022 MURALI KRISHNAN.A DRIVER - GR.II S.R.B. CHENNAI
506 1112 SANTHANAM.A DRIVER - GR.II TRICHY BRANCH
507 1108 PALANISAMY.K DRIVER - GR.II NAMAKKAL BRANCH
508 1101 SHANMUGASUNDARAM, N DRIVER - GR.II S.R.B.COIMBATORE
509 1103 VENKATESWARAN.T DRIVER - GR.II ERODE
510 1113 JAISANKAR.D DRIVER - GR.II VILLUPURAM
511 1118 JAYAPAUL.P DRIVER - GR.II SIVAKASI
512 1119 CHITRARASAN. C DRIVER - GR.II HEAD OFFICE
513 440 CHANDRASEKARAN.G DRIVER - GR.II HEAD OFFICE
514 264 YESUBABU.D O.A. - GR.I HEAD OFFICE
515 439 SEKAR.K O.A. - GR.I HEAD OFFICE
516 499 JAYARAMAN.M O.A. - GR.I HEAD OFFICE
517 502 KHADERKHAN N. O.A. - GR.II TAMBARAM BRANCH
518 569 RAJI.M O.A. - GR.I HEAD OFFICE
519 590 JAYAKUMAR.R O.A. - GR.I TIRUVALLUR BRANCH
520 592 VIJAYAKUMAR. K O.A. - GR.I HEAD OFFICE
521 713 GANAPATHY.S O.A. - GR.I COIMBATORE REGION
522 714 SELVARAJ.A O.A. - GR.I S.R.B.COIMBATORE
523 712 THANGARAJ, K O.A. - GR.II KARUR
524 807 SUBRAMANIYAN.A O.A. - GR.I HEAD OFFICE
525 805 GOVINDASAMY.V O.A. - GR.I HEAD OFFICE
526 1069 RAMESH.P (1069) O.A. - GR.II CHENNAI BRANCH
527 1074 MADHAN.M O.A. - GR.II SALEM
528 925 RAVICHANDRAN.D O.A. - GR.II S.R.B. CHENNAI
529 1070 SIVALINGAM. N O.A. - GR.II TIRUPPUR
530 1072 RAMAMOORTHY N O.A. - GR.II COIMBATORE
531 1076 SELVAM.P O.A. - GR.II THANJAVUR
532 1066 SURESHKUMAR, V O.A. - GR.II TRICHY REGION
533 1090 RAMACHANDRAN.M O.A. - GR.II ERODE
534 1010 SIVARAJ.M O.A. - GR.II HEAD OFFICE
535 1036 RAMESH.R (1036) O.A. - GR.II CHENNAI REGION
536 1092 CHAKKARAVARTHY.K. O.A. - GR.II VILLUPURAM
537 1093 CHANDRASEKARN.A O.A. - GR.II PUDUKKOTTAI
538 1011 MANI.V O.A. - GR.II HEAD OFFICE
539 1096 FRANCIS MASCARNAS.T O.A. - GR.II TUTICORIN
540 1020 DANIEL CHANDRASEKARAN. S
O.A. - GR.II HEAD OFFICE
136
541 1097 LAKSHMANAN.B O.A. - GR.II NAMAKKAL BRANCH
542 1098 THULASI.P O.A. - GR.II VELLORE
543 1016 KAMSALA.D O.A. - GR.II HEAD OFFICE
544 1021 SANKAR.A O.A. - GR.II HEAD OFFICE
545 1023 INDRA.R O.A. - GR.II HEAD OFFICE
546 1109 AMMAVASI.A O.A. - GR.II DINDUGAL
547 1110 SHANMUGASUNDARAM S. O.A. - GR.II MADURAI REGION
548 1114 BOSE.K O.A. - GR.II SIVAKASI
549 1115 MUNIYASAMY. M O.A. - GR.II RAMANAD F.O.
550 1116 SANJEEVI.R O.A. - GR.II MADURAI BRANCH
551 1028 THAINEES MARY O.A. - GR.II HEAD OFFICE
552 1027 RAMESH.B O.A. - GR.II HEAD OFFICE
553 1037 SELVAM.V O.A. - GR.II HEAD OFFICE
137
TIIC LTD., ANNEXURE VII
CADRE-WISE DETAILS OF SCALE OF PAY OF OFFICIALS / STAFF OF TIIC
S.No.
Post Existing pay-scale(w.e.f.01.01.1996)
Rs.
Revised pay-scale
Pay band
Grade Pay
Rs.(w.e.f. 01.01.2006 and with monetary benefit
from 01.01.2007) Rs.
1. General Manager 15000 – 400 – 18600 37400 – 67000 PB 4 88002. Dy. General Manager 14300 – 400 – 18300 37400 – 67000 PB 4 87003. Asst. General Manager 12000 – 375 – 16500 15600 – 39100 PB 3 76004. Manager 10000 – 325 – 15200 15600 – 39100 PB 3 66005. Assistant Manager 9100 – 275 – 14050 15600 – 39100 PB 3 5700
Selection Grade Asst.Mgr. 10000 – 325 – 15200 15600 – 39100 PB 3 6600Special Grade Asst.Mgr. 12000 – 375 – 16500 15600 – 39100 PB 3 7600
6. Officer(F)/(T)/(L) 8000 – 275 – 13500 15600 – 39100 PB 3 5400Sel.Gr.Officer(F)/(T)/(L) 9100 – 275 – 14050 15600 – 39100 PB 3 5700Spl.Gr.Officer(F)/(T)/(L) 10000 – 325 – 15200 15600 – 39100 PB 3 6600
7. Junior Officer 6500 – 200 – 10500 9300 – 34800 PB 2 4600 (upto 11.12.2007)
---------------4900 (from
12.12.2007)Sel.Gr.Junior Officer 8000 – 275 – 13500 15600 – 39100 PB 3 5400Spl.Gr.Junior Officer 9100 – 275 – 14050 15600 – 39100 PB 3 5700
8. Senior Assistant 5500 – 175 – 9000 9300 – 34800 PB 2 4400 (upto 11.12.2007)
---------------4800(from
12.12.2007)Sel.Gr.Senior Assistant 6500 – 200 – 10500 9300 – 34800 PB 2 4600 (upto
11.12.2007)---------------
4900 (from 12.12.2007)
Spl.Gr.Senior Assistant 8000 – 275 – 13500 15600 – 39100 PB 3 5400
138
9. Asst.-cum-Typist/Steno 4000 – 100 – 6000 5200 – 20200 PB 1 2400
Sel.Gr.Asst.-cum-typist/ Steno
5000 – 150 – 8000 9300 – 34800 PB 2 4200
Spl.Gr.Asst.-cum-typist/ Steno
5500 – 175 – 9000 9300 – 34800 PB 2 4400 (upto 11.12.2007)
---------------4800(from
12.12.2007)10. Driver 3200 – 85 – 4900 5200 – 20200 PB 1 2000
Selection Grade Driver 4000 – 100 – 6000 5200 – 20200 PB 1 2400
Special Grade Driver 4300 – 100 – 6000 5200 – 20200 PB 1 2600
11. Record Clerk 2650-65-3300-70-4000- 85-4850-100-5850
4800 – 10000 PB 1 A 1650
Selection Gr. Record Clerk 3050-75-3950-80-4590-85-5440-90-5890
5200 – 20200 PB 1 1900
Special Gr.Record Clerk 3200-85-4900-90-5800-95-6275
5200 – 20200 PB 1 2000
12. Sub-staff 2550-55-2660-60-3200-65-3850
4800 – 10000 PB 1 A 1300
Selection Gr.Sub-staff 2650-65-3300-70-4000-75-4600
4800 – 10000 PB 1 A 1650
Special Gr.Sub-staff 2750-70-3800-75-4400-80-5200
5200 – 20200 PB 1 1800
Basic pay in the revised pay structure means the pay drawn in the prescribed pay band plus the applicable grade pay but does not include any other type of pay like Special Pay---------------------------------------------------------------------------------------------------------------------------------- There shall be no change in the pay band and the grade pay in respect of the employees moved to Selection Grade/ Special Grade on or after 01.01.2006, as indicated in para (viii).
* * * *
139
Annexure VIII
Details of monthly remuneration received by each official of the corporation (excluding the officials deputed to other organisations). Name, designation and present place of working - position as on 30.9.2011
ppno name designation Name of the branch / Head Office
Monthly remuneration
Rs.
319 CHOCKKALINGAM.K ASSISTANT GENERAL MANAGER CHENNAI BRANCH 68663341 JAYAVELAN.P SENIOR MANAGER CHENNAI BRANCH 65160656 RAVICHANDRAN.R MANAGER - GRADE III CHENNAI BRANCH 58598759 SARASWATHI.K DEPUTY MANAGER CHENNAI BRANCH 53690402 JAYANTHI.B ASSISTANT MANAGER CHENNAI BRANCH 51093251 MANOHAR.S SENIOR OFFICER CHENNAI BRANCH 45975254 MOHAN. D SENIOR OFFICER CHENNAI BRANCH 45975260 VANAJA. M. SENIOR OFFICER CHENNAI BRANCH 457781124 KATHAMBARI, S SENIOR OFFICER CHENNAI BRANCH 34910303 ANBALAGAN. S (303) OFFICER - GRADE II CHENNAI BRANCH 43695312 AYYAVU.A.S OFFICER - GRADE II CHENNAI BRANCH 44359494 KOTEESWARAN.M JUNIOR OFFICER - GRADE II CHENNAI BRANCH 38602533 SIRAJ AHAMED.A JUNIOR OFFICER - GRADE II CHENNAI BRANCH 38587564 KRISHNAKUMARI. K. JUNIOR OFFICER - GRADE II CHENNAI BRANCH 37998663 MOHANKUMAR C.M.V. JUNIOR OFFICER - GRADE II CHENNAI BRANCH 36917677 TAMILSELVAN. P JUNIOR OFFICER - GRADE II CHENNAI BRANCH 36237686 ESWARAMURTHY.S JUNIOR OFFICER - GRADE II CHENNAI BRANCH 36917707 JESURAJ SELWYN.S JUNIOR OFFICER - GRADE II CHENNAI BRANCH 37606722 PARTHASARATHY. A. JUNIOR OFFICER - GRADE II CHENNAI BRANCH 37606765 MURUGAN.K JUNIOR OFFICER - GRADE II CHENNAI BRANCH 35714833 KHAJA MOHIDEEN..P.A. JUNIOR OFFICER - GRADE II CHENNAI BRANCH 35820838 PICHANDI.A JUNIOR OFFICER - GRADE II CHENNAI BRANCH 35605863 SUNDARARAJAN.G JUNIOR OFFICER - GRADE II CHENNAI BRANCH 36414882 THANGAKRISHNAN.M JUNIOR OFFICER - GRADE II CHENNAI BRANCH 35605859 PARIMALA.E JUNIOR OFFICER - GRADE II CHENNAI BRANCH 34039876 ARANGASAMY. P JUNIOR OFFICER - GRADE II CHENNAI BRANCH 34986441 ANNADURAI. M RECORD CLERK - GRADE II CHENNAI BRANCH 19471803 ANTHONY RAJ. R.M DRIVER - GRADE II CHENNAI BRANCH 218261069 RAMESH.P (1069) OFFICE ASSISTANT - GRADE II CHENNAI BRANCH 155841036 RAMESH.R (1036) OFFICE ASSISTANT - GRADE II CHENNAI BRANCH 15594597 SRINIVASAN.R SENIOR MANAGER TIRUVALLUR 63877652 MALA. W.B. MANAGER - GRADE II TIRUVALLUR 559401049 RADHA, K [1049] ASSISTANT MANAGER TIRUVALLUR 50384253 VASAN.R.S SENIOR OFFICER TIRUVALLUR 45370280 JOTHIKUMAR.V SENIOR OFFICER TIRUVALLUR 45190284 SRINIVASAN K. (284) OFFICER - GRADE II TIRUVALLUR 43695323 RAMALINGAM D. OFFICER - GRADE II TIRUVALLUR 43695363 VEDAVALLI.V OFFICER - GRADE II TIRUVALLUR 40716467 DURGA.P.S. OFFICER - GRADE III TIRUVALLUR 39508562 SELVAMANI.E JUNIOR OFFICER - GRADE II TIRUVALLUR 38048568 RAJENDRAN.P JUNIOR OFFICER - GRADE II TIRUVALLUR 37998579 VALAIYAPATHY.S JUNIOR OFFICER - GRADE II TIRUVALLUR 38048587 RADHAKRISHNAMOORTHY N JUNIOR OFFICER - GRADE II TIRUVALLUR 38648702 ELANGOVAN.L. JUNIOR OFFICER - GRADE II TIRUVALLUR 37656709 GNANASEKAR.M JUNIOR OFFICER - GRADE II TIRUVALLUR 37606763 AMUDHA.E JUNIOR OFFICER - GRADE II TIRUVALLUR 35820902 MEENAKSHI. R JUNIOR OFFICER - GRADE II TIRUVALLUR 36459829 PARTHIBAN S JUNIOR OFFICER - GRADE II TIRUVALLUR 35625
140
860 GOKULAKRISHNAN.T.S JUNIOR OFFICER - GRADE II TIRUVALLUR 36424880 THIRUPURA SUNDARI.D JUNIOR OFFICER - GRADE III TIRUVALLUR 32125886 MAHESH.P.S JUNIOR OFFICER - GRADE III TIRUVALLUR 32175736 RANGANATHAN.P RECORD CLERK - GRADE II TIRUVALLUR 169111078 JAYAVELU A. DRIVER - GRADE II TIRUVALLUR 21267590 JAYAKUMAR.R OFFICE ASSISTANT - GRADE I TIRUVALLUR 17029668 JAYANANDAKUMAR.V MANAGER - GRADE III CHENNAI SRB-I 60615248 DEVARAJ.D OFFICER - GRADE II CHENNAI SRB-I 37620286 BALASUBRAMANI.G OFFICER - GRADE III CHENNAI SRB-I 42547480 RAMAMANI. G. JUNIOR OFFICER - GRADE II CHENNAI SRB-I 38451704 KANDAVEL.S JUNIOR OFFICER - GRADE II CHENNAI SRB-I 37606697 VIJAYA.J JUNIOR OFFICER - GRADE II CHENNAI SRB-I 36976721 VIJEYA. VR JUNIOR OFFICER - GRADE II CHENNAI SRB-I 36917830 SEKAR. M JUNIOR OFFICER - GRADE II CHENNAI SRB-I 36394837 BHUVANESWARI.N.P JUNIOR OFFICER - GRADE II CHENNAI SRB-I 356551042 THIRUGANASAMBANDAN.
TJUNIOR OFFICER - GRADE III CHENNAI SRB-I 31113
306 ANANDAN.V ASSISTANT - GRADE II CHENNAI SRB-I 23914273 VEERARAGHAVAN. B.G. ASSISTANT - GRADE II CHENNAI SRB-I 23658271 DURAIKANNU.P RECORD CLERK - GRADE II CHENNAI SRB-I 210711022 MURALI KRISHNAN.A DRIVER - GRADE II CHENNAI SRB-I 20799925 RAVICHANDRAN.D OFFICE ASSISTANT - GRADE II CHENNAI SRB-I 16002791 ASHOK B.G. DEPUTY MANAGER TAMBARAM BRANCH 55473826 HARIHARAN.K DEPUTY MANAGER TAMBARAM BRANCH 54144357 MURUGAN.S (357) ASSISTANT MANAGER TAMBARAM BRANCH 49719211 SAVITHRI R. ASSISTANT MANAGER TAMBARAM BRANCH 46167332 BASKARAN. P.E OFFICER - GRADE II TAMBARAM BRANCH 42347578 KARUNANITHI. R. JUNIOR OFFICER - GRADE II TAMBARAM BRANCH 37318643 SHANTHI. C (643) JUNIOR OFFICER - GRADE II TAMBARAM BRANCH 36937688 RAJASEKARAN.S JUNIOR OFFICER - GRADE II TAMBARAM BRANCH 37656706 SURYAMURTHY.S JUNIOR OFFICER - GRADE II TAMBARAM BRANCH 38059728 NAGARAJAN.S (728) JUNIOR OFFICER - GRADE II TAMBARAM BRANCH 37656782 VENKATESAN.V DRIVER - GRADE I TAMBARAM BRANCH 23687502 KHADERKHAN N. OFFICE ASSISTANT - GRADE II TAMBARAM BRANCH 14386397 SUNDARAM.P ASSISTANT GENERAL
MANAGERCOIMBATORE REGULAR 65898
468 ILANGO.P SENIOR MANAGER COIMBATORE REGULAR 54418517 SUKUMAR.T.S SENIOR MANAGER COIMBATORE REGULAR 57208612 KISHOREKUMAR. R MANAGER - GRADE II COIMBATORE REGULAR 54475752 DINAKARAN.K MANAGER - GRADE III COIMBATORE REGULAR 57978760 RENGANATHAN.T DEPUTY MANAGER COIMBATORE REGULAR 52050825 RAJENDRAN.S DEPUTY MANAGER COIMBATORE REGULAR 52504554 DHARMALINGAM.K ASSISTANT MANAGER COIMBATORE REGULAR 48653290 RAGUPATHY.N SENIOR OFFICER COIMBATORE REGULAR 428551123 BABY, S SENIOR OFFICER COIMBATORE REGULAR 33770307 MARIMUTHU.P OFFICER - GRADE II COIMBATORE REGULAR 42794328 NAGARAJ.S (1960) OFFICER - GRADE II COIMBATORE REGULAR 42719381 JAGANNATHAN, N OFFICER - GRADE III COIMBATORE REGULAR 37676422 VASANTHA AROKIA
RANI.AOFFICER - GRADE III COIMBATORE REGULAR 38733
452 SUGUNA PRABHAKARAN R OFFICER - GRADE III COIMBATORE REGULAR 38748493 JACKSON.M JUNIOR OFFICER - GRADE II COIMBATORE REGULAR 36558497 VILASINI. G JUNIOR OFFICER - GRADE II COIMBATORE REGULAR 36558532 RAJENDRAN.R JUNIOR OFFICER - GRADE II COIMBATORE REGULAR 36558601 KANAGARAJ.K JUNIOR OFFICER - GRADE II COIMBATORE REGULAR 36151615 GANAPATHYAMMAL. R JUNIOR OFFICER - GRADE II COIMBATORE REGULAR 36266
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769 RAJAN RAMALINGAM.N JUNIOR OFFICER - GRADE II COIMBATORE REGULAR 774 BALASIVASANKARAN. B. JUNIOR OFFICER - GRADE II COIMBATORE REGULAR 34465764 SELVARAJ. A. JUNIOR OFFICER - GRADE II COIMBATORE REGULAR 352041110 SHANMUGASUNDARAM S. OFFICE ASSISTANT - GRADE II MADURAI 146461116 SANJEEVI.R OFFICE ASSISTANT - GRADE II MADURAI 14541552 KALATHY.N SENIOR MANAGER DINDIGUL 56131779 BHUVANESWARI K DEPUTY MANAGER DINDIGUL 51744288 RAJARAM.P SENIOR OFFICER DINDIGUL 42095410 KAMAL BATCHA K OFFICER - GRADE III DINDIGUL 37973429 YATHIRAJULU.R OFFICER - GRADE III DINDIGUL 38048435 GANAPATHI.P OFFICER - GRADE III DINDIGUL 36916486 RAJA.V JUNIOR OFFICER - GRADE II DINDIGUL 35889580 SIVAKAMI.T.S JUNIOR OFFICER - GRADE II DINDIGUL 35798617 RAVIKUMAR.V JUNIOR OFFICER - GRADE II DINDIGUL 34787638 PARTHASARATHY.R JUNIOR OFFICER - GRADE II DINDIGUL 34807810 RAJASEKARAN.R.A. JUNIOR OFFICER - GRADE II DINDIGUL 33443871 SANTHANA KENNEDY.P JUNIOR OFFICER - GRADE II DINDIGUL 33805588 MANOHARAN. N RECORD CLERK - GRADE II DINDIGUL 17100605 MURUGESAN.M (1961) DRIVER - GRADE I DINDIGUL 233781109 AMMAVASI.A OFFICE ASSISTANT - GRADE II DINDIGUL 14281282 RAVINDRAN. P ASSISTANT MANAGER KARAIKUDI 49298299 DHANDAYUTHAPANI.V OFFICER - GRADE II KARAIKUDI 40615446 RATHINAMOORTHY.G OFFICER - GRADE III KARAIKUDI 38569466 SHANMUGASUNDARAM.M OFFICER - GRADE III KARAIKUDI 38063495 PALANISWAMY.L JUNIOR OFFICER - GRADE II KARAIKUDI 36422901 KANAGARAJAN.K JUNIOR OFFICER - GRADE II KARAIKUDI 33855910 JAYALAKSHMI.C JUNIOR OFFICER - GRADE II KARAIKUDI 33810421 SETHURATHINAM.R RECORD CLERK - GRADE II KARAIKUDI 174311075 MURUGAN. S (1075) DRIVER - GRADE II KARAIKUDI 19922411 NARAYANAN.R OFFICER - GRADE III RAMANATHA PURAM 37368850 THIAGARAJAN.R JUNIOR OFFICER - GRADE II RAMANATHA PURAM 33825909 KARUNAGARAN.B JUNIOR OFFICER - GRADE II RAMANATHA PURAM 33855744 MUNIASAMY.C DRIVER - GRADE I RAMANATHA PURAM 233781115 MUNIYASAMY. M OFFICE ASSISTANT - GRADE II RAMANATHA PURAM 13804406 ESWARLAL .P.N.B OFFICER - GRADE III THENI 38123488 THANGARAJU S. JUNIOR OFFICER - GRADE II THENI 35428842 CHITRAISELVI.P JUNIOR OFFICER - GRADE II THENI 34444710 GOMATHINAYAGAM.S RECORD CLERK - GRADE II THENI 17100426 GANESARAJARAM.R.B SENIOR MANAGER TIRUNELVELI 56839627 SUBRAMANIAN.C MANAGER - GRADE II TIRUNELVELI 54075787 JAYAKANTHAN.A ASSISTANT MANAGER TIRUNELVELI 50895425 SELVARAJ A.P. ASSISTANT MANAGER TIRUNELVELI 51650403 MAYALAGU.R OFFICER - GRADE III TIRUNELVELI 37653436 MURUGESAN.K. (436) OFFICER - GRADE III TIRUNELVELI 37351618 SHANTHA.N. JUNIOR OFFICER - GRADE II TIRUNELVELI 35751816 SELVI.B JUNIOR OFFICER - GRADE II TIRUNELVELI 34789887 RAJESWARI.K JUNIOR OFFICER - GRADE II TIRUNELVELI 34255898 CHOCKALINGAM. V.M. JUNIOR OFFICER - GRADE II TIRUNELVELI 34769889 SHANTHA.P JUNIOR OFFICER - GRADE II TIRUNELVELI 34230875 GOVINDARAJI.M JUNIOR OFFICER - GRADE II TIRUNELVELI 33214322 RAMASAMY. K (322) JUNIOR OFFICER - GRADE III TIRUNELVELI 29540599 KOMBIAH.M RECORD CLERK - GRADE II TIRUNELVELI 17460672 ANTONYCHAMY,B. DRIVER - GRADE I TIRUNELVELI 23401783 SUKUMARAN, R DRIVER - GRADE I TIRUNELVELI 22537793 MURUGESAN.K. (793) DEPUTY MANAGER TUTICORIN 51744320 SELVARAJU.K.C. OFFICER - GRADE III TUTICORIN 40222
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428 BHARATHI.S OFFICER - GRADE III TUTICORIN 37973431 BALASUBRAMANIAM, M OFFICER - GRADE III TUTICORIN 38682893 MOTHA RENALD JUNIOR OFFICER - GRADE II TUTICORIN 34459891 PAKSHIRAJAN.M. JUNIOR OFFICER - GRADE II TUTICORIN 33805907 CHELLADURAI.C JUNIOR OFFICER - GRADE II TUTICORIN 33870872 SELVAN ARUMUGAM.T JUNIOR OFFICER - GRADE II TUTICORIN 331611107 BALAKRISHNAN.A JUNIOR OFFICER - GRADE III TUTICORIN 28467742 RAMAMOORTHY.A DRIVER - GRADE I TUTICORIN 230411096 FRANCIS MASCARNAS.T OFFICE ASSISTANT - GRADE II TUTICORIN 15630427 NAKKERAN.N OFFICER - GRADE III VIRUDHUNAGAR 38652487 THIYAGARAJAN.T (487) JUNIOR OFFICER - GRADE II VIRUDHUNAGAR 35118646 KASTHURI.A JUNIOR OFFICER - GRADE II VIRUDHUNAGAR 35476899 TAMILSELVI .C JUNIOR OFFICER - GRADE II VIRUDHUNAGAR 33855584 SELVAN. S RECORD CLERK - GRADE II VIRUDHUNAGAR 17100598 GURURAJAPATHY.A SENIOR MANAGER NAGERCOIL 59242231 GEORGE RAJAN.T. ASSISTANT MANAGER NAGERCOIL 45568359 RAJABAI.V. OFFICER - GRADE II NAGERCOIL 41295414 TAMILARASI. S. OFFICER - GRADE III NAGERCOIL 38048479 GRACY.T. JUNIOR OFFICER - GRADE II NAGERCOIL 36498490 VANAJAKUMARI.T. JUNIOR OFFICER - GRADE II NAGERCOIL 36452878 VICTOR.E. JUNIOR OFFICER - GRADE II NAGERCOIL 338551065 NAGARAJAN.P JUNIOR OFFICER - GRADE III NAGERCOIL 29618388 RAJASEKARAN.K. DRIVER - GRADE I NAGERCOIL 23720623 PAULRAJAN.E SENIOR MANAGER SIVAKASI 56599293 GOPAKUMAR.V SENIOR OFFICER SIVAKASI 42110395 SUBBURAJ.T.P OFFICER - GRADE III SIVAKASI 36916492 GANESAN.K JUNIOR OFFICER - GRADE II SIVAKASI 35798895 RAVIKUMAR.P.S JUNIOR OFFICER - GRADE II SIVAKASI 34409896 JEBARANI.S JUNIOR OFFICER - GRADE II SIVAKASI 33840847 VIJAYALAKSHMI K JUNIOR OFFICER - GRADE II SIVAKASI 344441056 MURUGAN.M.C JUNIOR OFFICER - GRADE III SIVAKASI 28637585 GURURAJ THOMAS J. ASSISTANT - GRADE II SIVAKASI 222051118 JAYAPAUL.P DRIVER - GRADE II SIVAKASI 177981114 BOSE.K OFFICE ASSISTANT - GRADE II SIVAKASI 14166324 SHANMUGAM.P DEPUTY GENERAL MANAGER TIRUCHIRAPALLI 73870559 VIVEGANANDAN.R SENIOR MANAGER TIRUCHIRAPALLI 54981762 PARVATHY.A DEPUTY MANAGER TIRUCHIRAPALLI 49536785 MANOHARAN.M DEPUTY MANAGER TIRUCHIRAPALLI 52104778 CHITRA SHENBAGA
VALLI.RDEPUTY MANAGER TIRUCHIRAPALLI 53130
297 MARIMUTHU.C SENIOR OFFICER TIRUCHIRAPALLI 43029294 SAMPATH.M SENIOR OFFICER TIRUCHIRAPALLI 42455298 VEERAPPAN ILANGOVAN SENIOR OFFICER TIRUCHIRAPALLI 41775295 LEELAVATHI.S OFFICER - GRADE II TIRUCHIRAPALLI 41655317 MOHANARANGAM.P OFFICER - GRADE II TIRUCHIRAPALLI 41730370 AMARNATH.A OFFICER - GRADE III TIRUCHIRAPALLI 38952433 NAGARAJAN S. (433) OFFICER - GRADE III TIRUCHIRAPALLI 37865459 BALASUBRAMANIAN.K OFFICER - GRADE III TIRUCHIRAPALLI 38348461 ALAMELU.S OFFICER - GRADE III TIRUCHIRAPALLI 38368485 DEVARAJ.R JUNIOR OFFICER - GRADE II TIRUCHIRAPALLI 37215528 PONNAMBALAM.P JUNIOR OFFICER - GRADE II TIRUCHIRAPALLI 36747524 MILTON.B.H.S JUNIOR OFFICER - GRADE II TIRUCHIRAPALLI 37004542 VENKATARAMANAN .S JUNIOR OFFICER - GRADE II TIRUCHIRAPALLI 36747537 PARIMELALAGAN.G JUNIOR OFFICER - GRADE II TIRUCHIRAPALLI 36797766 RAVICHANDRAN. V JUNIOR OFFICER - GRADE II TIRUCHIRAPALLI 24492885 GOVINDARAJ.R JUNIOR OFFICER - GRADE III TIRUCHIRAPALLI 30975
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1043 RAMA.B JUNIOR OFFICER - GRADE III TIRUCHIRAPALLI 298981053 RANI.V JUNIOR OFFICER - GRADE III TIRUCHIRAPALLI 28317354 SUNDARAM.K (354) RECORD CLERK - GRADE II TIRUCHIRAPALLI 21142602 RAJU.V RECORD CLERK - GRADE II TIRUCHIRAPALLI 17028368 SEKAR. P DRIVER - GRADE I TIRUCHIRAPALLI 237381112 SANTHANAM.A DRIVER - GRADE II TIRUCHIRAPALLI 200631066 SURESHKUMAR, V OFFICE ASSISTANT - GRADE II TIRUCHIRAPALLI 15342789 SUSILKUMAR.K DEPUTY MANAGER PUDUKKOTTAI 51744289 PADMAVATHY.R SENIOR OFFICER PUDUKKOTTAI 42095437 MOHAN.P OFFICER - GRADE III PUDUKKOTTAI 38592444 RAGHAVAN.S OFFICER - GRADE III PUDUKKOTTAI 37670526 RAJKUMAR.H JUNIOR OFFICER - GRADE II PUDUKKOTTAI 36387531 THANIGAISELVAN.G JUNIOR OFFICER - GRADE II PUDUKKOTTAI 36387548 MOHAMED HANEEFA.A JUNIOR OFFICER - GRADE II PUDUKKOTTAI 36462828 PALANISELVAM.B JUNIOR OFFICER - GRADE II PUDUKKOTTAI 33840906 MUTHUKUMAR.G JUNIOR OFFICER - GRADE II PUDUKKOTTAI 33805318 SANKAR.V.S JUNIOR OFFICER - GRADE III PUDUKKOTTAI 29180596 KANNAN.L DRIVER - GRADE II PUDUKKOTTAI 211151093 CHANDRASEKARN.A OFFICE ASSISTANT - GRADE II PUDUKKOTTAI 14534676 EKAMBARAM.V MANAGER - GRADE III THANJAVUR 55240800 KUMAR.V DEPUTY MANAGER THANJAVUR 53737296 RAMALINGAM.S SENIOR OFFICER THANJAVUR 42170377 MATHIVANAN. M OFFICER - GRADE III THANJAVUR 38078530 NAGARAJAN.A (530) JUNIOR OFFICER - GRADE II THANJAVUR 36402541 RAMAMOORTHY.S JUNIOR OFFICER - GRADE II THANJAVUR 36407854 SANTHANAM.D JUNIOR OFFICER - GRADE II THANJAVUR 33790874 KARTHINI.P JUNIOR OFFICER - GRADE II THANJAVUR 33790866 THENMOZHI. C JUNIOR OFFICER - GRADE III THANJAVUR 306151058 SIVANANDAM.A.M. JUNIOR OFFICER - GRADE III THANJAVUR 289791120 USHA.C RECORD CLERK - GRADE III THANJAVUR 139101095 MATHIALAGAN.P DRIVER - GRADE II THANJAVUR 198761076 SELVAM.P OFFICE ASSISTANT - GRADE II THANJAVUR 14942751 PALANISAMY.P MANAGER - GRADE III KARUR 53715755 RANGARAJU.M ASSISTANT MANAGER KARUR 45251434 BASKARAN.R (434) OFFICER - GRADE III KARUR 37520380 SARAVANAGANESAN.P OFFICER - GRADE III KARUR 35284521 NAGARAJAN.D JUNIOR OFFICER - GRADE II KARUR 36450522 RAMASAMY, K [522] JUNIOR OFFICER - GRADE II KARUR 35955543 RAMKUMAR.V JUNIOR OFFICER - GRADE II KARUR 35168547 RAJENDRAN.K JUNIOR OFFICER - GRADE II KARUR 357981048 SENTHILKUMAR.S JUNIOR OFFICER - GRADE III KARUR 28637712 THANGARAJ, K OFFICE ASSISTANT - GRADE II KARUR 151081019 MURALIDHARAN.S.(MGR) SENIOR MANAGER CUDDALORE 51239315 SELVARAJU. K. OFFICER - GRADE II CUDDALORE 41959378 PAUL JOSHUA V. OFFICER - GRADE III CUDDALORE 36916888 SARASWATHI. S.K. JUNIOR OFFICER - GRADE II CUDDALORE 34414908 ELAVARASAN.L JUNIOR OFFICER - GRADE II CUDDALORE 344141063 LAKSHMANAN.A JUNIOR OFFICER - GRADE III CUDDALORE 289791106 RADHA K. (1106) JUNIOR OFFICER - GRADE III CUDDALORE 28637313 VASAN.A RECORD CLERK - GRADE II CUDDALORE 18714474 ANBUIRUDAYARAJ G. DRIVER - GRADE I CUDDALORE 23207513 PANDIAN. L MANAGER - GRADE III VILLUPURAM 49781780 RAMESH.R.J DEPUTY MANAGER VILLUPURAM 53737302 RAJAGOPALAN.V OFFICER - GRADE II VILLUPURAM 41295314 QUIRSHEETH ALI BAIG.A OFFICER - GRADE II VILLUPURAM 41370613 RAJENDRAN.M JUNIOR OFFICER - GRADE II VILLUPURAM 34837
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831 RAVI.M JUNIOR OFFICER - GRADE II VILLUPURAM 33855802 FAZAL MOHAMED.G RECORD CLERK - GRADE II VILLUPURAM 164401113 JAISANKAR.D DRIVER - GRADE II VILLUPURAM 193181092 CHAKKARAVARTHY.K. OFFICE ASSISTANT - GRADE II VILLUPURAM 14054
335 GURURAJ.G ASSISTANT GENERAL MANAGER
SALEM 66925
621 RAMASAMY.P MANAGER - GRADE III SALEM 54580675 SUNDARAMOORTHY.M
(675)MANAGER - GRADE III SALEM 55600
748 ASHOKKUMAR.P DEPUTY MANAGER SALEM 53130788 TAMILARASAN.A DEPUTY MANAGER SALEM 52450416 MURUGESAN K. (416) ASSISTANT MANAGER SALEM 48284415 ANTHONY RAJ.S OFFICER - GRADE III SALEM 38408448 GANESH BABU.M.L JUNIOR OFFICER - GRADE II SALEM 37311523 VENKATESAN.R JUNIOR OFFICER - GRADE II SALEM 36158520 KANAGARAJU.N JUNIOR OFFICER - GRADE II SALEM 36158535 KUPPUSAMY.S (535) JUNIOR OFFICER - GRADE II SALEM 36158536 THACHINAMOORTHY.T JUNIOR OFFICER - GRADE II SALEM 36158545 NAGARAJAN.A (545) JUNIOR OFFICER - GRADE II SALEM 355281074 MADHAN.M OFFICE ASSISTANT - GRADE II SALEM 15417624 RAMASAMY.U SENIOR MANAGER NAMAKKAL 57596145 KANNAN.R ASSISTANT MANAGER NAMAKKAL 49373404 MAHENDRAN.S OFFICER - GRADE III NAMAKKAL 38048482 ILANGO.S.P.R JUNIOR OFFICER - GRADE II NAMAKKAL 36855534 GOVINDARAJU.K JUNIOR OFFICER - GRADE II NAMAKKAL 35818549 SAKTHIVEL.J JUNIOR OFFICER - GRADE II NAMAKKAL 35798644 THARCIS MANOHARAN, A JUNIOR OFFICER - GRADE II NAMAKKAL 348371047 KAMRAJ.S JUNIOR OFFICER - GRADE III NAMAKKAL 286371108 PALANISAMY.K DRIVER - GRADE II NAMAKKAL 195941097 LAKSHMANAN.B OFFICE ASSISTANT - GRADE II NAMAKKAL 15318754 GUNASEKARAN P MANAGER - GRADE III ERODE 54220777 PALANIVEL.R DEPUTY MANAGER ERODE 526951032 SAANTHI.K.J ASSISTANT MANAGER ERODE 54084767 RAMAKRISHNAN.S (767) JUNIOR OFFICER - GRADE II ERODE 34194881 HEMALATHA.S JUNIOR OFFICER - GRADE II ERODE 32869884 SENTHILKUMARI.B JUNIOR OFFICER - GRADE III ERODE 30097900 SANGAMITHIRAI.J JUNIOR OFFICER - GRADE III ERODE 309171052 THILAGAM.K JUNIOR OFFICER - GRADE III ERODE 286371064 DHANALAKSHMI.E JUNIOR OFFICER - GRADE III ERODE 27957503 RAJI.T ASSISTANT - GRADE II ERODE 208721104 KASIMANI.S RECORD CLERK - GRADE II ERODE 160481103 VENKATESWARAN.T DRIVER - GRADE II ERODE 204201090 RAMACHANDRAN.M OFFICE ASSISTANT - GRADE II ERODE 14039756 SUNDARESAN.A.R DEPUTY MANAGER VELLORE 52695798 THIRUNAVUKKARASU. S
(798)DEPUTY MANAGER VELLORE 53662
419 SRINIVASAN.N OFFICER - GRADE III VELLORE 37973449 HARIKUMAR D. OFFICER - GRADE III VELLORE 38063484 THIRUNAVUKKARASU
(484)JUNIOR OFFICER - GRADE II VELLORE 36855
629 JAMUNA. A JUNIOR OFFICER - GRADE II VELLORE 34637631 SELVAKUMAR. M JUNIOR OFFICER - GRADE II VELLORE 34787640 RAMAMURTHY. G (640) JUNIOR OFFICER - GRADE II VELLORE 34787680 KRISHNARAJ.D JUNIOR OFFICER - GRADE II VELLORE 34817834 BHAVANI. M JUNIOR OFFICER - GRADE II VELLORE 34444
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1094 SUBRAMANI.N DRIVER - GRADE II VELLORE 198861098 THULASI.P OFFICE ASSISTANT - GRADE II VELLORE 14885281 KULASEKARARAJ.P SENIOR OFFICER TIRUVANNAMALAI 41490723 ELIZABETH.V JUNIOR OFFICER - GRADE II TIRUVANNAMALAI 35406840 VASANTHI P. JUNIOR OFFICER - GRADE II TIRUVANNAMALAI 338551050 SUTHA.S JUNIOR OFFICER - GRADE III TIRUVANNAMALAI 28829743 KATHIRESAN.M RECORD CLERK - GRADE II TIRUVANNAMALAI 17000
796 SAHADEVAN.G DEPUTY MANAGER DHARMAPURI 52015730 ASOKAA, M. ASSISTANT MANAGER DHARMAPURI 51215784 JANARDHANAN.K ASSISTANT MANAGER DHARMAPURI 44904538 CHANDRAMOULI.G JUNIOR OFFICER - GRADE II DHARMAPURI 35798720 SANKAR.V JUNIOR OFFICER - GRADE II DHARMAPURI 35406733 SUBRAMANINAN.D JUNIOR OFFICER - GRADE II DHARMAPURI 34867844 MURUGAN N.P. JUNIOR OFFICER - GRADE II DHARMAPURI 343941060 PANDIAN.G JUNIOR OFFICER - GRADE III DHARMAPURI 285871091 MATHAIYAN.K DRIVER - GRADE II DHARMAPURI 19676811 RAJENDRAN.V.A. DEPUTY MANAGER HOSUR 52319920 MOHAN.T ASSISTANT MANAGER HOSUR 50794292 SUBRAMANIAN.L SENIOR OFFICER HOSUR 42595310 TIRUPATHI. R OFFICER - GRADE II HOSUR 42459420 ELAVARASI.P OFFICER - GRADE III HOSUR 38442770 UMARANI.S JUNIOR OFFICER - GRADE II HOSUR 34944772 JEHANGIR BASHA.M JUNIOR OFFICER - GRADE II HOSUR 34944773 DEVI.S JUNIOR OFFICER - GRADE II HOSUR 34914818 KANCHANA DEVI. K. JUNIOR OFFICER - GRADE II HOSUR 343201055 RAVIKUMAR.J JUNIOR OFFICER - GRADE III HOSUR 29197653 SUNDARAM.K (653) RECORD CLERK - GRADE II HOSUR 17835369 PRAKASH KUMAR.S DRIVER - GRADE I HOSUR 23358558 PERUMAL.K.P DEPUTY GENERAL MANAGER HEAD OFFICE 98432239 SAKTHIVEL.S DEPUTY GENERAL MANAGER HEAD OFFICE 77121241 DINAKARABABU.V.P DEPUTY GENERAL MANAGER HEAD OFFICE 76901267 MOHAN.A [Sr.] DEPUTY GENERAL MANAGER HEAD OFFICE 77164268 GOVINDSWAMYNATHAN.S DEPUTY GENERAL MANAGER HEAD OFFICE 76517801 KIRUBAKARAN.T ASSISTANT GENERAL
MANAGERHEAD OFFICE 64058
472 SRINIVASAN.G ASSISTANT GENERAL MANAGER
HEAD OFFICE 67975
346 NARAYANAN .R. ASSISTANT GENERAL MANAGER
HEAD OFFICE 67440
398 DANIEL DEVAPRASAD THOMAS
ASSISTANT GENERAL MANAGER
HEAD OFFICE 65628
355 GOPALAKRISHNAN.S ASSISTANT GENERAL MANAGER
HEAD OFFICE 66912
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757 MEENAKSHISUNDARAM K DEPUTY MANAGER HEAD OFFICE 54144287 NARAYANAMURTHY.R ASSISTANT MANAGER HEAD OFFICE 52935923 ELENCHEZHIAN.K ASSISTANT MANAGER HEAD OFFICE 526941082 VEERABADRAN.B ASSISTANT MANAGER HEAD OFFICE 500661038 RAJU, A.J.S. ASSISTANT MANAGER HEAD OFFICE 51773372 KIRUPA N. ASSISTANT MANAGER HEAD OFFICE 49325161 MANI.A ASSISTANT MANAGER HEAD OFFICE 51698246 ABDUL GAFFOOR.M.H SENIOR OFFICER HEAD OFFICE 45975252 RAJARETHINAM M SENIOR OFFICER HEAD OFFICE 45975255 GOPINATH.T.R SENIOR OFFICER HEAD OFFICE 45295256 VASANTHAMOHAN. R. SENIOR OFFICER HEAD OFFICE 45975259 MUNSIFF SAH. T.R. SENIOR OFFICER HEAD OFFICE 45975258 SANTHI.S SENIOR OFFICER HEAD OFFICE 46383265 RENUKA DEVI.A SENIOR OFFICER HEAD OFFICE 44510278 LALITHA. T. SENIOR OFFICER HEAD OFFICE 445101122 SURIYA, J SENIOR OFFICER HEAD OFFICE 34910300 NAVARASAN.M OFFICER - GRADE II HEAD OFFICE 43695304 SATHYANARAYANAN K OFFICER - GRADE II HEAD OFFICE 43745364 VIJAYALAKSMI, M OFFICER - GRADE III HEAD OFFICE 41948366 SUSILA.K OFFICER - GRADE III HEAD OFFICE 41218400 THAMIZHARASI.K OFFICER - GRADE III HEAD OFFICE 40577408 RAVINDRAN. S OFFICER - GRADE III HEAD OFFICE 40173407 RADHA K. (407) OFFICER - GRADE III HEAD OFFICE 40173417 DURGA BAI.B OFFICER - GRADE III HEAD OFFICE 39568478 HEMALATHA. R. OFFICER - GRADE III HEAD OFFICE 40238340 VIJAYAKUMAR.R JUNIOR OFFICER - GRADE I HEAD OFFICE 41380451 ROSEE.A.K JUNIOR OFFICER - GRADE II HEAD OFFICE 39181457 JAMUNA. N JUNIOR OFFICER - GRADE II HEAD OFFICE 39131481 SUNDARI.K JUNIOR OFFICER - GRADE II HEAD OFFICE 39206491 MURALIDHARAN.S JUNIOR OFFICER - GRADE II HEAD OFFICE 38662510 PRABAKARAN.K JUNIOR OFFICER - GRADE II HEAD OFFICE 37713565 SHANTHI.C (565) JUNIOR OFFICER - GRADE II HEAD OFFICE 37998573 MOHAN.D JUNIOR OFFICER - GRADE II HEAD OFFICE 37998575 MOHANAKRISHNAN.N JUNIOR OFFICER - GRADE II HEAD OFFICE 37998577 YESSOLAKSHMI.S.N JUNIOR OFFICER - GRADE II HEAD OFFICE 37318593 KAMALAKANNAN.A JUNIOR OFFICER - GRADE II HEAD OFFICE 38498594 VALAYAPATHY.R JUNIOR OFFICER - GRADE II HEAD OFFICE 38698614 DORAIRAJ.R JUNIOR OFFICER - GRADE II HEAD OFFICE 37666634 BALACHANDAR.A.R JUNIOR OFFICER - GRADE II HEAD OFFICE 36887639 PRASAD.P.S JUNIOR OFFICER - GRADE II HEAD OFFICE 37606637 PRASHANTHI.K JUNIOR OFFICER - GRADE II HEAD OFFICE 36257665 GEETHA.M JUNIOR OFFICER - GRADE II HEAD OFFICE 37681679 VENKATESH. GR. JUNIOR OFFICER - GRADE II HEAD OFFICE 37606681 RAVICHANDRAN.M JUNIOR OFFICER - GRADE II HEAD OFFICE 37606683 MOHANKUMAR. P JUNIOR OFFICER - GRADE II HEAD OFFICE 36917682 VENKATESAN. C. JUNIOR OFFICER - GRADE II HEAD OFFICE 36917687 SIVAKUMAR. N JUNIOR OFFICER - GRADE II HEAD OFFICE 36917684 USHARANI. S. JUNIOR OFFICER - GRADE II HEAD OFFICE 36976689 USHAADEVI. SR. JUNIOR OFFICER - GRADE II HEAD OFFICE 38048692 DEVAKUMAR.T.B JUNIOR OFFICER - GRADE II HEAD OFFICE 36967693 SRIDHAR. G.B. JUNIOR OFFICER - GRADE II HEAD OFFICE 36967694 GAYAS BASHA.J JUNIOR OFFICER - GRADE II HEAD OFFICE 37606695 SIVASANKARAN.N JUNIOR OFFICER - GRADE II HEAD OFFICE 37606696 SUBBIAH.S JUNIOR OFFICER - GRADE II HEAD OFFICE 37014698 RAVICHANDRAN.V JUNIOR OFFICER - GRADE II HEAD OFFICE 37421700 SURESH.K JUNIOR OFFICER - GRADE II HEAD OFFICE 36917
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MANONMANI.KJUNIOR OFFICER - GRADE II HEAD OFFICE 36194
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1020 DANIEL CHANDRASEKARAN. S
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