Ca Anagha Joshi

Chartered Accountant with 3 years of Articleship experience in banking audit, including Central Statutory Audit of Bank of Maharashtra (₹3.69 lakh crore balance sheet). Experienced in credit and risk assessment, NPA/SMA identification, CRAR validation, RBI regulatory compliance and review of large advances portfolios across branch and zonal levels. Strong understanding of banking operations, financial analysis and regulatory frameworks, with an interest in Risk Analyst, Treasury and Financial Services roles.

Articled Assistant, Statutory Audit at G.D. Apte & Company, Chartered Accountants (2023-02 – 2026-01)

Leading CA firm headquartered in Mumbai with 80+ years of experience in audits/inspections of Banks, NBFCs, Insurance companies, Manufacturing companies

• Performed Central Statutory Audit of Bank of Maharashtra (listed PSU bank, Rs. 3.69 lakh Cr assets, FY2025), adhering to regulatory timelines for Limited Review.
• Conducted scrutiny of advances at Zonal Level — asset classification, provisioning, stressed account assessment, credit monitoring and early warning indicators — per RBI norms.
• Led Branch Statutory Audits for advances portfolio exceeding Rs. 9,000 Crores, evaluating credit appraisal covering Pool accounts, TReDS limits, NPA/SMA assessment, LFAR reporting and RBI regulatory compliance.
• Validated Capital to Risk-weighted Assets Ratio (CRAR) computations under Basel III norms — testing Tier 1 & Tier 2 regulatory capital and Risk-Weighted Assets (RWA) across asset categories — for RBI compliance.
• Prepared and reviewed Financial Statements and Supporting schedules in accordance with Schedule III (Division I and II) ensuring appropriate AS and Ind AS disclosures and classifications.
• Spearheaded audit of a Listed Manufacturing entity involving material uncertainty related to going concern, evaluating financial position, management assumptions and cash flow projections, resulting in a Qualified Opinion and related disclosures.
• Verified purchase transactions via GST portal records, identifying irregularities and preventing an incorrect reversal of Rs. 10.5 Crores in capital advances.
• Managed the team of 5 for the audit and inter unit consolidation of educational trust having over 140 units.
• Participated in a Quality Review Board (QRB) inspection on one of the clients, ensuring compliance with SA 220 (Quality Control for Audits) and ICAI standards, and drafted responses to inspection queries.

CA Final in Chartered Accountancy – Institute of Chartered Accountants of India (ICAI) (2021-07 – 2026-05)

CA Intermediate Group 2 in Chartered Accountancy – Institute of Chartered Accountants of India (ICAI) (2021-07 – 2026-05)

CA Intermediate Group 1 in Chartered Accountancy – Institute of Chartered Accountants of India (ICAI) (2021-07 – 2026-05)

CA Foundation in Chartered Accountancy – Institute of Chartered Accountants of India (ICAI) (2021-07 – 2026-05)

Bachelor of Commerce in Commerce – Pune University (2021-06 – 2024-11)

HSC in Commerce, Science and Humanities – Deogiri College (2019-03 – 2021-05)

SSC in Commerce, Science and Humanities – St. Lawrence High School (2017-03 – 2019-03)