CHAPTER - 3

ORGANIZATION STUDY
1. ORGANIZATION CHART OF THE BANK
Diagram no 10

BOARD OF DIRECTORS

CHAIRMAN AND
MANAGING DIRECTOR

EXECUTIVE DIRECTOR

HEAD OFFICE,
CHENNAI

DOMESTIC OVERSEAS INTRNATIONAL

AND RRBS OPERATIONS

INDIAN
CIRCLE OFFICES
SUBSIDIARIES AND
RRBS

DOMESTIC BRANCH
DOMESTIC OVERSEAS FOREIGN BRANCHES
BANKING
BUSSINESS
BRANCH ORGANIZATION STUCTURE

Diagram no 11

CHIEF MANAGER

SENIOR MANAGER

MANAGER

ASSISTANT MANAGER ON
ASSISTANT MANAGER
PROBATION
SPECIAL
ASSISTANT

CLERK CLERK CLERK

SUBSTAFF
1. ROLE OF EMPLOYEES
1. Job Role of Branch Managers
II. The Branch Manager is personally responsible/ accountable for the following
functions:
A. Achieving targets fixed on various business areas as per the annual performance
budget/ business plan / MOU of the branch with the active co-operation of the staff.
B. The thrust areas would be to
a. Improve the core deposit of the branch.
b. Achieve a proper deposit mix to maximize profitability.
c. Maintain close liaison and sustained rapport with officials of Government Semi
Government / corporate entities / institutions / courts / individuals to improve the
business.
d. Maintain a record of contacts made and results thereof.
e. Arrange for deposit mobilization campaign at regular intervals.
f. Know the competitors' activities in and around the command area.
C. Maintain a high level of customer satisfaction
D. Efficient management of credit portfolio of the branch
E. Proper personnel management and industrial relations
F. Effective co-ordination for Inspection and proper and timely rectification of errors.
G. The Branch Manager is 'Man on the Spot' and to understand the entire operations of
the branch.

In case of VLBs and ELBs

a. Submission of monthly DO letters in time
b. participate in Zonal Committee (Credit), Zonal Committee (Administration)
III. Taking charge of branches
Branch Managers up to Scale lll should take complete charge of the branch after verifying all the
securities, assets charged to the Bank etc., and should send the Relieving Manager's Certificate to
the immediate controlling authorities without fail. The Chief Managers heading
Very Large Branches should take charge of the branch after perusing latest inspection reports/
statutory auditor's report/concurrent auditors report, etc. In case of any abnormal irregularities
found after his taking charge, the same should be immediately brought to the notice of higher
authorities and effective steps for regularization should be taken. Assistant General Managers
heading Exceptionally Large branches may immediately takeover of a branch based on latest
inspection reports. They may ascertain from the Chief Manager (Credit) about the various advance
accounts and initiate regularization process in case of abnormal irregularities immediately after
duly informing the higher authorities.

IV. Special Assignments

Branch Manager is the Driving Force for the Branch administration, Business Growth
and Profitability. As the Leader of the team and Functional Head of the Branch, it is entirely up to
him/her as to how the various responsibilities are allocated among the staff members in the branch
so that he/she has sufficient time for carrying out his/her Marketing/Development functions.
Where a Branch Manager is satisfied over the marketing skills of certain staff members, they could
be assigned such responsibility as well so as to support the Branch Manager's marketing efforts.
(i) Role of Branch Manager in Marketing
(ii) Role of Branch Manager in SME Financing
(iii) Role of Branch Manager in Rural Development
(iv) Conducting test check by Branch Manager on certain delegated work

2. Job Role of Assistant Branch Managers (ABM)

General
 The Asst. Branch Manager is the second Officer in command of a branch.
 He shall work in close co-ordination with the Branch Manager and be ready at any time
to take charge of the branch in the absence of the Branch Manager.
 He should be familiar with various operations of the branch viz., deposits, advances,
foreign exchange business etc.
 He will be responsible and answerable to the Branch Manager for proper functioning of
internal routine of the branch and its smooth functioning.

Though the Asst. Branch Manager is under the superintendence of and to obey the instructions
of the Branch Manager, he has a direct and personal responsibility to the CO in regard to the proper
conduct of the Bank's business. It is his duty to report to the CO, any departure from the rules and
regulations of the Bank which he considers detrimental to the Bank's interest and any defects in
the Bank's security of which the CO is unaware.
 To assist the Branch Manager
a. in compiling data to be incorporated in the fresh/renewal proposal;
b. in inspecting godowns/assets charged to the bank;
c. in ensuring proper documentation and safe custody of all the security documents;
d. in periodically monitoring through the conduct of important advance accounts;
e. in preparation of Performance Budged Business Plan
f. By taking over any duty or assignment as the Branch Manager may assign to him.
 Assuming emergency charge of the branch
When occasion arises for the Asst. Branch Manager or any other member of the
supervising staff to assume emergency charge of a branch during the temporary absence of the
Branch Manager, If for any unforeseen reason, a temporary emergency charge is prolonged for a
period of one month or over, the submission of Manager's Relieving Certificate by the temporary
incumbent, will become necessary.

1. Job Role of Asst. Managers/Managers at branches

General
 The Branch Manager/Asst. Branch Manager has the authority to allocate the supervisory
work in the branch among the Managers/Asst. Managers of the branch.
 Manager/Asst. Manager should ensure that a satisfactory quality of supervision is
maintained.
 Assistant Manager/Manager should assist the Branch Manager in his Deposit Mobilization
and recovery efforts.
 An officer may be placed in-charge of one or more sections in the office depending upon
the volume of work involved.
 An Officer placed in-charge of a section is responsible for
a. efficient customer service in his section;
b. proper maintenance of books and registers;
c. checking and authentication of vouchers;
b. checking of entries in the books, ledgers and registers;
c. dispatch of statements of accounts/custody of savings bank pass books;
d. balancing/tallying of books allotted to him periodically;
e. correct calculation of interest, commission etc. and checking thereof;
f. replying the customers on enquiries of routine nature;
g. dispatching all cheques/bills/instruments taken for collection immediately to the
drawee centre;
h. follow up of long pending items in bills section and take timely steps for their
realisation;
i. timely despatch of due date notices to customers;
j. timely credit of periodical interest in deposit accounts;
k. collection of locker rents in time.

 Attending to correspondence Maintenance and custody of files, documents etc.

 Replying to inspection/audit reports
 Reference to be made to the Manager - Advances/expenditure proposals
 Personnel Administration
 Proper regulation of foreign exchange department
 Co-ordination Among Various Sections
 Communication to Higher Authorities on matters affecting the Bank's Interest
 Participation in Development Work

2. Job allocation at branches for Officers

 Effective management of any organization is measured in terms of the delegation of the
various functions among all its functionaries. In a financial organization like banks the
delegation assumes more importance in view of the necessity to take decision quickly and
correctly.
 Field level functionaries are from time to time advised of the delegated powers in respect
of the various functional areas. However, it has to be understood that delegation does not
mean demarcating the power to exercise alone. The delegation should also be in respect of
the functional aspects particularly at the branches. The importance of well-defined area of
functions of an officer in a branch assumes greater significance with the aspect of
accountability for various lapses to be identified.
 With a view to create a healthy and proper functioning of the branches, all the work among
all the officers should be properly allocated by means of a written office order and the
allocations made as suggested should also be made rotational among all the officers so as
to make all officers to have exposures to all areas of the branch functioning.
 The office order as suggested above should be preserved and made available to the
Inspecting officials.
 Inspecting officials should verify whether the office order is in vogue at the branch and in
its absence bring that to the knowledge of the Inspection Department immediately by
means of special report.
 The Inspecting officers have to append a copy of such office order to their report. Further,
in case any serious lapses are noticed during the course of the inspection the name of the
officers directly responsible for the same should be mentioned without fail.

3. DUTIES OF SPECIAL ASSISTANTS

Special Assistants will be accountable and responsible for running of the department/section
under them and their duties will involve looking after and checking the work of other clerk or
clerks and sub-staff and will include:
1) Passing independently, manually or online, cash, cheques, drafts, other negotiable
instruments, vouchers etc. upto Rs.35000/- and clearing and transfer cheques vouchers etc.
(whether credits or debits) upto and including Rs.1,50,000/- Passing of drafts upto
Rs.2000/- without advice. Passing of cheques drawn by illiterate persons within their
passing powers. Passing will include verification of signatures and scrutiny as to the
correctness of endorsements on and other particulars of such instruments. There shall be
no limits for verification of signatures, passing of authenticated credit vouchers/entries and
for verifying authenticated vouchers in the ledgers, books, computer print-outs etc.
2) Accept, verify and post cash/transfer/clearing cheques and other instruments, as the case
may be, in appropriate books of accounts/ledgers, either manually or online and give due
acknowledgements.
3) Signing vouchers, cheques, drafts, mail transfers, pay orders, advices such as nonpayment
advices, inter branch fate calling advices, bill schedules, demand notices, statements
certificates etc. He shall also sign drafts, pay orders, TPOs and interbranch advices,
term/call deposit receipts etc. singly upto Rs.7500/- and beyond Rs.7500/- as second
signatory jointly with an officer signing as first signatory.
4) Checking all vouchers, advices, statements, cheques draft etc., bills and books of accounts
including current savings and other ledgers, cash, postal and revenue stamps, franking
machine balances, exchange, discount, brokerage calculations and initialing by way of
authenticating them for accuracy/correctness.
5) Checking, manually or online, current, savings and other accounts.
6) Checking the coding and decoding of telegrams (excluding check symbols or ciphers)
including custody of bank’s code book. ‘Checking’ would mean verifying that the material
checked is in order in all the respects and include initialing the same for authentication.
7) Discharging, endorsing cheques, bills etc.
8) To verify, examine and recommend payment of TA bills of the staff.
9)
a) To check progressive balance book.
b) To check bills in hand physically, books of accounts, advices etc.
c) Checking of all miscellaneous statements and returns and signing them as second
signatory.
d) Periodical checking of the books, registers, files and records.
e) To assist the Manager in handling loan and advances work at the office i.e. preparation
of loan proposals, documents, checking of stock report, calculation of DP, preparation of
financial report in reply to some queries by other institution and such other work relating
to loans. It is clarified that Special Assistants posted in Semi-urban and rural branches may
be required to recommend credit proposals on merits for consideration of Incumbent
Incharge of the office concerned.
f) To keep custody of loan documents and securities jointly with the Manager/Sub Manager
or Assistant Manager.
g) Custody of stamps and stamped agreements.
h) To act as an Asstt. Custodian of Safe Deposit Vault.
i) To work as an assistant to the Inspector.
10)
a) To check compliance of standing instructions by the customer and custody of Standing
Instructions Register.
b) To check maintenance of Stop Payment Register and allied work and custody of Stop
Payment Register.
c) To check current, SF and other ledgers and to issue cheque books to the customer and
custody of the specimen signature binders and account operating forms.
d) Custody of inoperative ledgers along with their A.O.F. and specimen signatures(except
in A & B class offices) and security forms jointly with an officer.
11) Custody of all inward parcels jointly with another officer.
12) Perform, when required in a computerized set up, system control functions, either jointly
with an officer or independently, upon specific authorization in this regard.
13) Briefly explain, the features of Bank’s various products and services to customers, to reply
their queries and to refer interested customers to appropriate personnel.
14) To undertake higher responsibilities as and when called upon to do so under administrative
exigencies in case of posting in rural branches as second man provided he is not debarred
from officiating/promotion as officer. For the purpose of efficient and effective functioning
of the section or department the special assistant shall ensure that all acts, things and steps
necessary therefore are taken by himself or by the clerks placed under him and shall ensure
that, wherever necessary:
a) Reminders are sent on time and followed up.
b) Pass sheets/books are filled up and issued promptly.
c) Deposits are renewed on due dates or reminders sent to the parties. d) Standing
instructions are complied with.
e) Bills are accepted and due dates diarised/advised and followed up.
f) Interest, commissions and service charges are collected.
g) Proceeds of bills are received or remitted promptly.
h) Confirmation of balance of accounts of the customers and its follow up.
i) All securities relating to the department/section of which the special assistant is Incharge
are secured and/or kept in proper custody and properly handed to the authorized person at
the close of the day.
j) Balances promptly taken, tallied and reported and followed up and also returns
submitted.
k) Advices and/or duplicate advices/summaries are issued/responded promptly, whenever
called for.
l) Checking the proper recording of entries and all relevant particulars in regard to accounts
opened under due authorization.

4. Duties of clerical staff

 All members of the clerical staff who do not get any special pay as on 30th April 2010 on
regular basis shall be designated as Single Window Operator ‘A’. The following duties
shall form part of their normal duties:
 Acknowledgments of inward mail received.
 Receipt of cheques, drafts, dividend warrants, pay orders and other like instruments other
than bills and giving acknowledgments in the counterfoil.
 Delivery of cheque books subject to authorization by competent authority. Issue of cash
receipts.
 Issue of E.S.I. stamps wherever applicable or may become applicable.
 Recounting of currency notes by cash department staff.
 Ensuring the proper contents in covers and envelopes including registered ones before
dispatch.
 All clerks shall also perform all duties and functions of their cadre, either online or
manually, which does not involve any passing or supervisory function of an officer of
the bank. He will, wherever and whenever required, function as a single window
operator where he will also receive and pay cash.
 In addition, his duties will include –
i. Passing and cash payment of all cheques/withdrawal forms/bankers’ cheques etc.
upto and including Rs.10,000/-
ii. Passing independently clearing and transfer cheques, vouchers, etc. (whether credits
or debits) upto and including Rs.15,000/-
iii. Receipts of cash and issuance of pre-signed drafts / gift cheques / travellers cheques
/ pay orders / bank orders, etc. upto and including Rs.15,000/-
5. Duties of subordinate staff

 All the normal and routine duties of the subordinate staff cadre and for performance of
which no special pay shall be payable. In addition they shall also be required to do the
following duties.
 To take money orders, to buy stamps etc., which involves carrying of cash not Rs.5,000/-
and to carry insured letters., etc. to post office.
 To stitch currency note bundles.
 To stitch and seal parcels and packets containing currency notes;
 To transit cash from the bank to an office outside or vice versa, if unaccompanied by a
watchman / Armed Guard.

CEO AND DIRECTORS OF INDIAN BANK

Diagram no12

Shri Mahesh Kumar Jain

Executive Director (with
additional charge of MD & CEO)
2. FUNCTIONAL CLASSIFICATION
Diagram no13

CHAIRMAN

MD AND CEO

EXECUTIVE DIRECTORS

ADMINISTRATIV
ADMINISTRATIVE HEADS E HEADS AT OVERSEAS
AT HEAD OFFICE ZONAL OFFICES BRANCHES (3)
(30)

GENERAL MANAGER
HEAD OF ZONAL BRANCH
DEPARMENT/GROUP OF MANAGER MANAGER
DEPARTMENTS

ASSISTANT
• CUSTOMER SERVICE BRANCH
BRANCH
• ACCCOUNTS DEPARTMENT MANAGER
MANAGER
CHAPTER - 3
ORGANIZATION STUDY
2. ORGANIZATION CHART OF THE BANK
Diagram no 10

BOARD OF DIRECTORS

CHAIRMAN AND
MANAGING DIRECTOR

EXECUTIVE DIRECTOR

HEAD OFFICE,
CHENNAI

DOMESTIC OVERSEAS INTRNATIONAL

AND RRBS OPERATIONS

INDIAN
CIRCLE OFFICES
SUBSIDIARIES AND
RRBS

DOMESTIC BRANCH
DOMESTIC OVERSEAS FOREIGN BRANCHES
BANKING
BUSSINESS
BRANCH ORGANIZATION STUCTURE

Diagram no 11

CHIEF MANAGER

SENIOR MANAGER

MANAGER

ASSISTANT MANAGER ON
ASSISTANT MANAGER
PROBATION
SPECIAL
ASSISTANT

CLERK CLERK CLERK

SUBSTAFF
3. ROLE OF EMPLOYEES
1. Job Role of Branch Managers
V. The Branch Manager is personally responsible/ accountable for the following
functions:
H. Achieving targets fixed on various business areas as per the annual performance
budget/ business plan / MOU of the branch with the active co-operation of the staff.
I. The thrust areas would be to
g. Improve the core deposit of the branch.
h. Achieve a proper deposit mix to maximize profitability.
i. Maintain close liaison and sustained rapport with officials of Government Semi
Government / corporate entities / institutions / courts / individuals to improve the
business.
j. Maintain a record of contacts made and results thereof.
k. Arrange for deposit mobilization campaign at regular intervals.
l. Know the competitors' activities in and around the command area.
J. Maintain a high level of customer satisfaction
K. Efficient management of credit portfolio of the branch
L. Proper personnel management and industrial relations
M. Effective co-ordination for Inspection and proper and timely rectification of errors.
N. The Branch Manager is 'Man on the Spot' and to understand the entire operations of
the branch.

In case of VLBs and ELBs

a. Submission of monthly DO letters in time
b. participate in Zonal Committee (Credit), Zonal Committee (Administration)
VI. Taking charge of branches
Branch Managers up to Scale lll should take complete charge of the branch after verifying all the
securities, assets charged to the Bank etc., and should send the Relieving Manager's Certificate to
the immediate controlling authorities without fail. The Chief Managers heading
Very Large Branches should take charge of the branch after perusing latest inspection reports/
statutory auditor's report/concurrent auditors report, etc. In case of any abnormal irregularities
found after his taking charge, the same should be immediately brought to the notice of higher
authorities and effective steps for regularization should be taken. Assistant General Managers
heading Exceptionally Large branches may immediately takeover of a branch based on latest
inspection reports. They may ascertain from the Chief Manager (Credit) about the various advance
accounts and initiate regularization process in case of abnormal irregularities immediately after
duly informing the higher authorities.

VII. Special Assignments

Branch Manager is the Driving Force for the Branch administration, Business Growth
and Profitability. As the Leader of the team and Functional Head of the Branch, it is entirely up to
him/her as to how the various responsibilities are allocated among the staff members in the branch
so that he/she has sufficient time for carrying out his/her Marketing/Development functions.
Where a Branch Manager is satisfied over the marketing skills of certain staff members, they could
be assigned such responsibility as well so as to support the Branch Manager's marketing efforts.
(v) Role of Branch Manager in Marketing
(vi) Role of Branch Manager in SME Financing
(vii) Role of Branch Manager in Rural Development
(viii) Conducting test check by Branch Manager on certain delegated work

2. Job Role of Assistant Branch Managers (ABM)

General
 The Asst. Branch Manager is the second Officer in command of a branch.
 He shall work in close co-ordination with the Branch Manager and be ready at any time
to take charge of the branch in the absence of the Branch Manager.
 He should be familiar with various operations of the branch viz., deposits, advances,
foreign exchange business etc.
 He will be responsible and answerable to the Branch Manager for proper functioning of
internal routine of the branch and its smooth functioning.

Though the Asst. Branch Manager is under the superintendence of and to obey the instructions
of the Branch Manager, he has a direct and personal responsibility to the CO in regard to the proper
conduct of the Bank's business. It is his duty to report to the CO, any departure from the rules and
regulations of the Bank which he considers detrimental to the Bank's interest and any defects in
the Bank's security of which the CO is unaware.
 To assist the Branch Manager
g. in compiling data to be incorporated in the fresh/renewal proposal;
h. in inspecting godowns/assets charged to the bank;
i. in ensuring proper documentation and safe custody of all the security documents;
j. in periodically monitoring through the conduct of important advance accounts;
k. in preparation of Performance Budged Business Plan
l. By taking over any duty or assignment as the Branch Manager may assign to him.
 Assuming emergency charge of the branch
When occasion arises for the Asst. Branch Manager or any other member of the
supervising staff to assume emergency charge of a branch during the temporary absence of the
Branch Manager, If for any unforeseen reason, a temporary emergency charge is prolonged for a
period of one month or over, the submission of Manager's Relieving Certificate by the temporary
incumbent, will become necessary.

6. Job Role of Asst. Managers/Managers at branches

General
 The Branch Manager/Asst. Branch Manager has the authority to allocate the supervisory
work in the branch among the Managers/Asst. Managers of the branch.
 Manager/Asst. Manager should ensure that a satisfactory quality of supervision is
maintained.
 Assistant Manager/Manager should assist the Branch Manager in his Deposit Mobilization
and recovery efforts.
 An officer may be placed in-charge of one or more sections in the office depending upon
the volume of work involved.
 An Officer placed in-charge of a section is responsible for
a. efficient customer service in his section;
b. proper maintenance of books and registers;
c. checking and authentication of vouchers;
l. checking of entries in the books, ledgers and registers;
m. dispatch of statements of accounts/custody of savings bank pass books;
n. balancing/tallying of books allotted to him periodically;
o. correct calculation of interest, commission etc. and checking thereof;
p. replying the customers on enquiries of routine nature;
q. dispatching all cheques/bills/instruments taken for collection immediately to the
drawee centre;
r. follow up of long pending items in bills section and take timely steps for their
realisation;
s. timely despatch of due date notices to customers;
t. timely credit of periodical interest in deposit accounts;
u. collection of locker rents in time.

 Attending to correspondence Maintenance and custody of files, documents etc.

 Replying to inspection/audit reports
 Reference to be made to the Manager - Advances/expenditure proposals
 Personnel Administration
 Proper regulation of foreign exchange department
 Co-ordination Among Various Sections
 Communication to Higher Authorities on matters affecting the Bank's Interest
 Participation in Development Work

7. Job allocation at branches for Officers

 Effective management of any organization is measured in terms of the delegation of the
various functions among all its functionaries. In a financial organization like banks the
delegation assumes more importance in view of the necessity to take decision quickly and
correctly.
 Field level functionaries are from time to time advised of the delegated powers in respect
of the various functional areas. However, it has to be understood that delegation does not
mean demarcating the power to exercise alone. The delegation should also be in respect of
the functional aspects particularly at the branches. The importance of well-defined area of
functions of an officer in a branch assumes greater significance with the aspect of
accountability for various lapses to be identified.
 With a view to create a healthy and proper functioning of the branches, all the work among
all the officers should be properly allocated by means of a written office order and the
allocations made as suggested should also be made rotational among all the officers so as
to make all officers to have exposures to all areas of the branch functioning.
 The office order as suggested above should be preserved and made available to the
Inspecting officials.
 Inspecting officials should verify whether the office order is in vogue at the branch and in
its absence bring that to the knowledge of the Inspection Department immediately by
means of special report.
 The Inspecting officers have to append a copy of such office order to their report. Further,
in case any serious lapses are noticed during the course of the inspection the name of the
officers directly responsible for the same should be mentioned without fail.

8. DUTIES OF SPECIAL ASSISTANTS

Special Assistants will be accountable and responsible for running of the department/section
under them and their duties will involve looking after and checking the work of other clerk or
clerks and sub-staff and will include:
1) Passing independently, manually or online, cash, cheques, drafts, other negotiable
instruments, vouchers etc. upto Rs.35000/- and clearing and transfer cheques vouchers etc.
(whether credits or debits) upto and including Rs.1,50,000/- Passing of drafts upto
Rs.2000/- without advice. Passing of cheques drawn by illiterate persons within their
passing powers. Passing will include verification of signatures and scrutiny as to the
correctness of endorsements on and other particulars of such instruments. There shall be
no limits for verification of signatures, passing of authenticated credit vouchers/entries and
for verifying authenticated vouchers in the ledgers, books, computer print-outs etc.
2) Accept, verify and post cash/transfer/clearing cheques and other instruments, as the case
may be, in appropriate books of accounts/ledgers, either manually or online and give due
acknowledgements.
3) Signing vouchers, cheques, drafts, mail transfers, pay orders, advices such as nonpayment
advices, inter branch fate calling advices, bill schedules, demand notices, statements
certificates etc. He shall also sign drafts, pay orders, TPOs and interbranch advices,
term/call deposit receipts etc. singly upto Rs.7500/- and beyond Rs.7500/- as second
signatory jointly with an officer signing as first signatory.
4) Checking all vouchers, advices, statements, cheques draft etc., bills and books of accounts
including current savings and other ledgers, cash, postal and revenue stamps, franking
machine balances, exchange, discount, brokerage calculations and initialing by way of
authenticating them for accuracy/correctness.
5) Checking, manually or online, current, savings and other accounts.
6) Checking the coding and decoding of telegrams (excluding check symbols or ciphers)
including custody of bank’s code book. ‘Checking’ would mean verifying that the material
checked is in order in all the respects and include initialing the same for authentication.
7) Discharging, endorsing cheques, bills etc.
8) To verify, examine and recommend payment of TA bills of the staff.
9)
a) To check progressive balance book.
b) To check bills in hand physically, books of accounts, advices etc.
c) Checking of all miscellaneous statements and returns and signing them as second
signatory.
d) Periodical checking of the books, registers, files and records.
e) To assist the Manager in handling loan and advances work at the office i.e. preparation
of loan proposals, documents, checking of stock report, calculation of DP, preparation of
financial report in reply to some queries by other institution and such other work relating
to loans. It is clarified that Special Assistants posted in Semi-urban and rural branches may
be required to recommend credit proposals on merits for consideration of Incumbent
Incharge of the office concerned.
f) To keep custody of loan documents and securities jointly with the Manager/Sub Manager
or Assistant Manager.
g) Custody of stamps and stamped agreements.
h) To act as an Asstt. Custodian of Safe Deposit Vault.
i) To work as an assistant to the Inspector.
10)
a) To check compliance of standing instructions by the customer and custody of Standing
Instructions Register.
b) To check maintenance of Stop Payment Register and allied work and custody of Stop
Payment Register.
c) To check current, SF and other ledgers and to issue cheque books to the customer and
custody of the specimen signature binders and account operating forms.
d) Custody of inoperative ledgers along with their A.O.F. and specimen signatures(except
in A & B class offices) and security forms jointly with an officer.
11) Custody of all inward parcels jointly with another officer.
12) Perform, when required in a computerized set up, system control functions, either jointly
with an officer or independently, upon specific authorization in this regard.
13) Briefly explain, the features of Bank’s various products and services to customers, to reply
their queries and to refer interested customers to appropriate personnel.
14) To undertake higher responsibilities as and when called upon to do so under administrative
exigencies in case of posting in rural branches as second man provided he is not debarred
from officiating/promotion as officer. For the purpose of efficient and effective functioning
of the section or department the special assistant shall ensure that all acts, things and steps
necessary therefore are taken by himself or by the clerks placed under him and shall ensure
that, wherever necessary:
a) Reminders are sent on time and followed up.
b) Pass sheets/books are filled up and issued promptly.
c) Deposits are renewed on due dates or reminders sent to the parties. d) Standing
instructions are complied with.
e) Bills are accepted and due dates diarised/advised and followed up.
f) Interest, commissions and service charges are collected.
g) Proceeds of bills are received or remitted promptly.
h) Confirmation of balance of accounts of the customers and its follow up.
i) All securities relating to the department/section of which the special assistant is Incharge
are secured and/or kept in proper custody and properly handed to the authorized person at
the close of the day.
j) Balances promptly taken, tallied and reported and followed up and also returns
submitted.
k) Advices and/or duplicate advices/summaries are issued/responded promptly, whenever
called for.
l) Checking the proper recording of entries and all relevant particulars in regard to accounts
opened under due authorization.

9. Duties of clerical staff

 All members of the clerical staff who do not get any special pay as on 30th April 2010 on
regular basis shall be designated as Single Window Operator ‘A’. The following duties
shall form part of their normal duties:
 Acknowledgments of inward mail received.
 Receipt of cheques, drafts, dividend warrants, pay orders and other like instruments other
than bills and giving acknowledgments in the counterfoil.
 Delivery of cheque books subject to authorization by competent authority. Issue of cash
receipts.
 Issue of E.S.I. stamps wherever applicable or may become applicable.
 Recounting of currency notes by cash department staff.
 Ensuring the proper contents in covers and envelopes including registered ones before
dispatch.
 All clerks shall also perform all duties and functions of their cadre, either online or
manually, which does not involve any passing or supervisory function of an officer of
the bank. He will, wherever and whenever required, function as a single window
operator where he will also receive and pay cash.
 In addition, his duties will include –
iv. Passing and cash payment of all cheques/withdrawal forms/bankers’ cheques etc.
upto and including Rs.10,000/-
v. Passing independently clearing and transfer cheques, vouchers, etc. (whether credits
or debits) upto and including Rs.15,000/-
vi. Receipts of cash and issuance of pre-signed drafts / gift cheques / travellers cheques
/ pay orders / bank orders, etc. upto and including Rs.15,000/-
10. Duties of subordinate staff

 All the normal and routine duties of the subordinate staff cadre and for performance of
which no special pay shall be payable. In addition they shall also be required to do the
following duties.
 To take money orders, to buy stamps etc., which involves carrying of cash not Rs.5,000/-
and to carry insured letters., etc. to post office.
 To stitch currency note bundles.
 To stitch and seal parcels and packets containing currency notes;
 To transit cash from the bank to an office outside or vice versa, if unaccompanied by a
watchman / Armed Guard.

CEO AND DIRECTORS OF INDIAN BANK

Diagram no12

Shri Mahesh Kumar Jain

Executive Director (with
additional charge of MD & CEO)
4. FUNCTIONAL CLASSIFICATION
Diagram no13

CHAIRMAN

MD AND CEO

EXECUTIVE DIRECTORS

ADMINISTRATIV
ADMINISTRATIVE HEADS E HEADS AT OVERSEAS
AT HEAD OFFICE ZONAL OFFICES BRANCHES (3)
(30)

GENERAL MANAGER
HEAD OF ZONAL BRANCH
DEPARMENT/GROUP OF MANAGER MANAGER
DEPARTMENTS

ASSISTANT
• CUSTOMER SERVICE BRANCH
BRANCH
• ACCCOUNTS DEPARTMENT MANAGER
MANAGER