Malpractices by lower-level officials have been pervasive. Surveys in some areas indicate that a 10 per cent deduction was made by bank officials as informal 'charges’. In other localities, over 20 per cent of the subsidy component was charged in various ways as 'speed money’.
Another common form of corruption prevalent in some areas was the collusion between officials and local middlemen, who provided the asset specified by the beneficiaries and got some money from the beneficiaries for allowing the over-invoicing of the cost of the asset and shared the booty with the local officials. This practice was contrary to the regulations, which require that the specified asset be provided by approved suppliers and not by middlemen