Add users

!/bin/bash
userfile="xx.txt"
IFS=$'\n'
if [ ! -f "$userfile" ]
then
  echo "File does not exist. Specify a valid file and try again. "
  exit
fi
groups=(`cut -f 4 "$userfile" | sed 's/ //'`)
fullnames=(`cut -f 1 "$userfile" | sed 's/,//' | sed 's/"//g'`)
username1=(`cut -f 1 "$userfile" |sed 's/,//' | sed 's/"//' | tr [A-Z] [a-z] | awk '{print substr($2,1,1) substr($3,1,1) substr($1,1,1)}'`)
username2=(`cut -f 4 "$userfile" | tr [A-Z] [a-z] | awk '{print substr($1,1,1)}'`)
i=0
n=${#username1[@]}
for (( q=0; q<n; q++ ))
do
usernames[$q]=${username1[$q]}"${username2[$q]}"
done
declare -a usernames
x=0
created=0
for user in ${usernames[*]}
do
adduser -c ${fullnames[$x]} -p 123456789 -f 15 -m -d /home/${groups[$x]}/$user -K LOGIN_RETRIES=3 -K PASS_MAX_DAYS=30 -K PASS_WARN_AGE=3 -N -s /bin/bash $user 2> /dev/null
usermod -g ${groups[$x]} $user
chage -d 0 $user
  let created=$created+1
x=$x+1
echo -e "User $user created    "
done
echo "$created Users created"