1. What is CFF?       

Ans: Certificate of Fulfillment of Formalities.

2.  Why missing Credits (MC’s)? 

Ans: Due to misclassification by DDO’s/DTO’s.  Due to non-drawal of pay.

3  Why penal interest?

Ans: Due to delay in recovery of loan beyond moratorium period/ Non completion of formalities/Non Utilisation of loan.                                                                                                                                                                                           

4  Why difference in interest calculation?

Ans: Interest  will  accrues from the month of disbursement  of loan.  Where as the DDO’s calculate from the month of first recovery.