The main problems in calculation of interest and issue of CC(Clearance Certificate)/NDC (No Due Certificate)are due to the following reasons:

• Misclassifications of loan head in the accounts.
• Non receipt of Sanction order and non-receipt of debit vouchers.
• Absence of loan details/particulars in Credit challans.

Detailed particulars comprises

• Name
• ID Number i.e. GPF Number/PRAN Number
• Number of instalments
• Loans – Subtype in case of 
• HBA - Original/Additional/Revised
• MCA- Motor Car/Motor Cycle
• COMP Advances-1^st , 2^nd and 3^rd