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e. Credit Appraisal was not done properly by you.

(6) You had disbursed Rs. 50 lacs to M/s. Megacity (Bangalore) Developers (Private) Limited by way of Misc. Cash Credit with the following irregularities:

a. You had not conducted pre-sanction inspection of properties offered as security;
b. Value of property was inflated;
c. Mortgage is defective and incomplete;
d. Registration of the property purchased out of the advance amount in the name of the company was not done and the same was not deposited with the Bank as security.