KCC godowns

Guntur is famous for mirchi and tobacco godowns. Usually bankers were giving OCC&KCC limits for big and reliable parties.KCClimits are to be given against stock kept in godowns under our lock and key. I heard that actually there would not be any stock in those godowns but limits would be granted with the adjustment they make with higherups.When officials start to go to godowns for surprise checking as is supposed to be done, customers get feedback immediately and by the time these people reach there stock would be present there.Actually I never worked in advances department nor went for surprise inspection.But people used tosay that it was the normal practice in almost all the banks.For renewal of limits, enhancement of limitsor fresh sanction, in the commission higherups get even the clerk who does the paperwork also recieves certain amount.Idont know the truth in these allegations but I was sorry to hear those things.I was disillusioned.