Retail Assets & Retail Liabilities Audit

Our retail assets and liabilities audit services at Singh Gulati & Associates include comprehensive auditing of retail assets such as personal loans, home loans, auto loans, and credit card portfolios to ensure accurate recording, proper classification, and compliance with internal policies and regulatory guidelines.

We also audit retail liabilities including savings accounts, fixed deposits, recurring deposits, and other retail funding products, verifying the accuracy of balances, interest computations, and adherence to statutory norms.

Beyond auditing, we provide advisory on risk assessment, portfolio quality monitoring, and internal control improvements, helping financial institutions mitigate potential losses and operational risks.

We prepare detailed audit reports summarizing findings, discrepancies, and recommendations. These reports serve as vital tools for management, regulators, and auditors to ensure transparency, accountability, and robust retail portfolio management.

Key Features / Scope of Work

• Comprehensive audit of retail assets including personal, home, and auto loans, and credit card portfolios.

• Audit of retail liabilities including savings accounts, fixed deposits, recurring deposits, and other funding products.

• Verification of compliance with internal policies, regulatory guidelines, and statutory norms.

• Assessment of asset quality, risk exposure, and operational efficiency.

• Identification of discrepancies, errors, or potential irregularities.

• Advisory on portfolio risk management and internal control improvements.

• Preparation of detailed audit reports with findings, discrepancies, and recommendations.

• Support for management, regulators, and auditors in decision-making and compliance.