Cash Payment in Finacle (TM)

Only members of cash department (cashier/Tellers/ Head Cashier) are authorised

to pay cash to the customer. Cash can be paid only on the strength of written
instruction on the face of a debit instrument, i.e. cheque, Draft, TD Receipt ( less
than Rs 20,000/in case of DD/TD ) or any other debit voucher. Cash is also paid
against Withdrawal Slip containing thereon written instruction for payment.

When cheque/debit instrument is presented over the counter, the paying

cashier/Teller should scrutinise the following to ensure that
a. the date of the cheque is in order, i.e. it is not stale or post dated.
b. the cheque is signed by the customer and it bears the signature of customer
or its presentor on the reverse.
c. the amount in words and figure agrees and payees name is written on the
instrument.
d. the debit voucher is signed by authorised Officer(s).
e. the presentor has been properly identified if it is a Demand Draft or a Pay
Order.
On being satisfied with the above check points, the cheque/debit instrument is
entered by the CTO/ Teller in the system, and the same is passed on to the
verifying officer for Posting/ Verification.
Cash Payment Step-By-Step (assuming the Teller has sufficient power
to pass the cheque)
01. TM - Enter
02. A - F4 - Type C - Tab - NP - F4
03. Mention Customer A/c Id - F4
04. Check Mode of operation - Signature by Pressing F9 - Effective Available
balance in Customer A/c.
05. Mention withdrawl Amount - Tab - D (Debit) - Tab - Tab (Move to narration
field)
06. Type "Cash Payment" - Move to Instrument Type Field - Type CHQ
07. Tab - Instrument No - Tab - Instrument Date - F4
08. With Option "E", Press Down arrow to create Credit Part Tran
09. Now Move to Debit Part Tran (customer part) using arrow.
10. Remove 'E' and type 'P' in option - Press F4 to Post Part Tran
11. Use arrow to move Credit Part Tran and press F4 to post this part also
12. Press F10 and Note down the Tran ID.
16. Now stamp & sign the Cheque, take acknowledgement on reverse, mention
denomination, and hand over Cash to customer
Verification (By Supervisor)
01. TM - Enter
02. V - F4 - Tran ID - F4

03. Option "L' (List Part Tran) - F4 - F3

04. Press F10 to complete the task

Cash Payment Step-By-Step (assuming the Teller has no passing power)

01. TM - Enter
02. A - F4 - Type C - Tab - NP - F4
03. Mention Customer A/c Id - F4
04. Check Mode of operation - Signature by Pressing F9 - Effective Available
balance in Customer A/c.
05. Mention withdrawl Amount - Tab - D (Debit) - Tab - Tab (Move to narration
field)
06. Type "Cash Payment" - Move to Instrument Type Field - Type CHQ
07. Tab - Instrument No - Tab - Instrument Date - F4
08. With Option "E", Press Down arrow to create Credit Part Tran
09. Press F10 and Note down the Tran ID and send for posting-cum-verification
Posting-cum-Verification (By Supervisor)
01. TM - Enter
02. M (Modify) - F4 - Tran ID - F4 - F9 (Verify Signature) - F4
03. Option "L' (List Part Tran) - F4 - F3
04. Now Move to Debit Part Tran (customer part) using arrow.
05. Remove 'L' and type 'P' in option - Press F4 to Post Part Tran
06. Use arrow key again to move Credit Part Tran and press F4 to post this part
also
07. Press F10 to complete the task
08. Send the Cheque to Teller for cash payment to customer
Labels: Finacle steps, TM

Issue of Cheque Book (ICHB)

An user can issue a cheque book only if he is in possession of the cheque

books.. In case the employee is holding say 1000 leaves of a specific inventory,
say 100 lots of 10 leaves each, then the user should split his holding to 10
leaves of 100 lots and then can issue the same..
Web Menu Option: ICHB / ICHBAU
Issue of Cheque Book Step-By-Step
01. ICHB - Enter
02. I - F4 - A/c No - F4
03. Chequebook Acknowledgement Obtained - Y (Yes) - F4
04. Chq Type - Press F2 and Select from List (Ex. SB10) - F4
05. Use Arrow Key to move and Press Shft + F4 to Select Cheque Series
displayed below
06. Press F10 to save & Request for Verification

Verification
01.
02.
03.
04.

ICHBAU - Enter
V - F4 - A/c No - F4
Collect MICR Charge - Mention Y if to collect charge else N - F4
Press F10

Note: If a chequebook of an holding user is issued by another user,

then the holding user must verify to complete the process. Thus, an
inventory holder may involve either issue or verifacation of a
chequebook.
Labels: Finacle steps, ICHB
Thursday, June 13, 2013

Cash Desposit in Finacle (TM)

Cash transaction is one of the key activities through which a bank carries on its
business. Finacle provides the facility for handling of cash.

There are three types of cash transaction, viz. (a) Cash Receipt, (b) Cash
Payment, and (c) Cash Remittance. Receipt of cash means depositing/ crediting

of cash into Savings, Current, Term Deposit, Cash Credit, Overdraft, Loan &
Office accounts.
Web Menu Option: TM
Receive the Deposit Slip, Cash and scrutinize slip and count cash. Next enter
transaction details in Finacle.
01. TM - Enter
02. A - F4 - Type C (cash) - NR (Normal Receipt) - F4
03. Mention Customer A/c Id - F4
04. Mention Amount - Tab - C (Credit) - Tab - Tab (Move to narration field)
05. Type "Deposit By Cash" - F4 to create the Credit Part Tran (Customer Part)
06. Being present at Specify Option Field with option "E", Press Down arrow to
create Debit Part Tran,
07. Now Post all the Part Trans, Change the option 'E' to 'P'
08. Move to Credit Part Tran using arrow - Press F4 - Move to Debit Part Tran Press F4
09. Once all the Part Trans are posted (mark for Posting Requested message)
Press F10
10. Note down the TRAN ID on the Pay-in Slip.
.
Now stamp, sign the deposit slip and give the counter foil to customer and the
hook the pay-in slip.

Labels: Finacle steps, TM

Opening of Savings Account

In Finacle, Savings account scheme has been defined under the scheme
type SBA. Scheme type is a broader classification that enlists the various
features governing the pattern of the scheme.

Web Menu : OAAC ONS Menu : HOAACSB

Opening a SB Account Step-By-Step

01. OAAC - Enter

02. Function O - F4 - Cust Id - F4
03. Scheme Code - F2 - Scheme Type - SBA - F4 - Select Account Type ex: SB101
- Shift+F4 - F4
04. Select Mode of Operation - F2 - Choose 'Self' - Tab - Location - F2 Select
Urban - F4
05. Passbook/Statement - S - F4 - Interest Cr Account Flag - S (Original Account)
- F4
06. Interest Dr Account Flag- S - F4 - Local Calender - N - F4
07. Frequency - M (Monthly) - Tab - Tab - 31 (date) - N (in case of holiday) - F4
08. Dispatch Mode 'A' - F4 09. Next Inst Calc Date Dr - (Last Day of the Current Month) - F4
10. Next Inst Calc Date Cr - (Mention Current Half Yearly End Date) - F4
11. Enter Option - 'S' (Scheme Details) - F4
12. Select Nomination - Y - F4
13. Enter Option 'N' (Nomination Details) - F4 - Name - F4 - Relationship - F4
14. Reg No (maintained manually at branch) - F4 15. Mention Address - City - PIN - Country - Post Code - Tab
16. If Minor - N (if Yes then Enter DOB and Guardian details) - F4
17. Now back on Main Screen, Press F10
18. System will create a Temp A/C ID (Ex: zz230337) Note down the ID and send
for verification.
Verification of SB Account
01.
02.
03.
04.
05.
06.

OAACAU - Enter
V - F4 - Temp A/c ID - F4
Now on General Details Option (G), Press F6 - F6 - F4
Enter Option 'S' - F4 - F4
Enter Option 'N' - F4 - F4
Finally Press F10

System may show some warning/exception like:

A/c Balance below the required minimum
Introducer not Customer / New Customer
Now Press F4 Authorise and it will generate 14 Digit Permanent A/C No

(Note: Modification before Verification must be done by the user who created
the TEMP ID. Once account verified then Modification can be done through ACM
Only)
Labels: Finacle steps, OAAC, Savings Account
Tuesday, June 11, 2013

Creating a Customer ID in Finacle

This is the first and foremost step for opening of an account. Whether it is a
Savings Account or an Deposit / Advance Account, for any customer a Customer
id is to be created. The data required for creating the id are the customer
details like name, address, age, introducer details, etc. Thus Know Your
Customer (KYC) will have to be captured while creating the Customer id. Once
this is created any account opened by that customer will be linked to the
particular id. Hence due care is to be taken to see that all the relevant fields are
filled in correctly. The process is known as Customer Master Maintenance in
Finacle which also referred as Customer Identification File (CIF).

Web Menu : CUMM ONS Menu : HCUMM

Creating a Customer ID for an Individual Customer Step By Step (using CUMM)
01. Type "CUMM" in menu option - Enter
02. Function A (Add) - F4
03. Enter Customer Title - Tab - Name - F4
04. Type Short Name (initial 4/5 letters from main name) - TAB
05. Now enter non-mandatory fields i.e type, status, group, occupation & Gender
& Press F4
06. Staff - N - F4 (If "Y" then mention staff details)
07. Minor - N - F4 (If "Y" then mention Guardian details)
08. Non Resident - N - F4 (If "Y" then provide Passport and other details)
09. Trade Finance - Y - F4 (if you choose "N", the customer can not carry out Bill
Transactions)
10. Address Type - C - F4 (C- Communication Address, P - Permanent Address)
The address you will put here first will be printed on Account Statement and
dispatching documents.
11. Fill up the Permanent Address (if different from communication address) or
Employer Address (F6)
12. Once Address Entry is over Press F4.

13. Purge Allowed. "N" - F4

14. Introducer Details - Mention CUST ID of introducer (Press F11) or Full Name F4
15. TAX Slab - TDS02 (for individual) - TAB - PAN No (Enter PAN NO if produced) F4
16. As the General Details (G) is completed - Enter "E" (Currency Details) in
Enter Option box - F4
17. In Currency Details, Type INR & press down arrow to add and Press F4
18. To visit Trade Finance Details -Enter "T" in option - Press F4 - Again Press F4
19. Inland Trade Allowed Field - Y - F4
20. Now Press F10 to save the details
21. Note down the Customer ID on the AOF and send it to Supervisor Authority
for verification
Verification of Customer ID by Supervisor or Higher Authority
01.
02.
03.
04.
F4
05.
06.

CUMM - Enter
V - F4 - Customer ID - F4 (It shows general details)
Now Press F6 Seven times (7) to visit seven general detail pages - Press F4
Now Verify the Currency Details E - F4 - Press CTRL+E to view details - F4 Verify Trade Finance Details T - F4 - F6 (Check Inland trade allowed) - F4
Press F10, the system will complete the task and will show Record Verified.

Note : If it displays any error then try to verify the section you have not visited.
Labels: CUMM, Customer ID, Finacle steps
Sunday, June 9, 2013

Unlock a User
In case the menu is locked and the user is not allowed to log into the system
again, then by going through the menu option SAC we have to delete (unlock)
the user. This activity can be performed by any Supervisory Staf of the
branch.

Step-By-Step
01. Type "SAC" in menu option and Press Enter
02. Type "D" in funtion field - Press F4
03. Type "U" in the User field - Press TAB - Enter User ID in the field ex"
ARUN01" - Press F4
04. Now it will display the Locked User details.
05. Press SHFT+F4 to Select the User ID (* mark will appear)
06. Press F10 to complete the operation.
Labels: Finacle steps, Finacle Wiki

User Types in Finacle

Captive User:

A "Captive" user is one who can put through transactions affecting the data of

his SOL (Service Outlet/Branch) only. He can also inquire into the database
pertaining to other SOL provided the menu he is invoking is "free".
Free User:
A "Free" user is one who can put through transactions affecting the data of his
SOL as well as other SOL (InterSOL), provided the menu he is invoking is also
"free". It should be noted that the "free" user could put through transactions
affecting on only the customer accounts of other SOL and no t office accounts.
It should be remembered that even though the user is "free", he couldn't access
the database of other SOL if the menu is "captive".
Labels: Finacle Login, Finacle Wiki

Changing Password in Finacle

User Password expires in 30 days. But, in case a user wants to change his
password within this period, use menu option PWMNT.

Note: Take caution while mentioning New Password which should not guessed
by others.
Labels: Finacle, Password

Interface in Finacle
Finacle provides three types of user interface

01. Character Mode No graphics

02. Web Mode HTML Based, Graphical, Java Applets, Extensive use of Menu
Options and Function keys
03. ONS (Online Services) Graphical Interface, Use of Mouse extensively and
less of usage of Function keys. Latest version of Finacle (Version 10) is in
complete ONS mode.
Labels: ONS, Web Mode

Logging out from Finacle Session

To logout, the user either types EXIT / LOGOUT in the menu option field or
clicks on logout in the action field, the screen will appear like this. By Clicking on
YES, the user can exit from the finacle in the systematic method.

Labels: Finacle Login

Logging into Finacle

When the user invokes a browser application like Internet Explorer wherein the
specific URL ( Uniform Resource Locator) address has been setup, the following
login screen will be displayed.

Logging into Finacle Core Server requires a valid Password of the User ID. If the
user is logging in for the first time in Finacle, it will prompt to change the
password.

Thereafter one can login with the User Id and the password created by him /her.
A dialogue box would popup with licensing details.

Click "OK" to proceed to Main Screen ( in case of Java Error, click "OK" and type
"LOGIN" in the menu option box).

Note: Don't share your User ID & Password to any other person. Change your
password in regular intervals. Never use any password which can be guessed by
other users. System will automatically ask you to change the password after 30
days.Entering wrong password thrice will lock the User ID for further
login.
Labels: Finacle Login

Use of Function Key combinations

Here are the role of function key combinations in Finacle.

Note: CTRL+T (WHOAMI) key combination shows information about the

Currently Logged in User

Note: The function keys can be re-configured as per organisations requirements.

Labels: Function Keys

Features of Finacle
Finacle is a robust CBS which run on UNIX environment and use ORACLE as
main Database Backbone providing greater stability.

Some Common Features:

01. Offers greater flexibility, so different customization can be performed as per
various banks requirement.
02. It is a customer centric software means each and every customer must have
aCustomer ID to open an account and carry out any transaction.
03. Supports Multiple Language
04. Provides Multiple Level Security (i.e in Operating system Level,
Database Level and Application level) to safeguard customer money and
information.
05. Embedded with tools and utilities to make smoother day-to-day transactions.
Labels: Finacle
Saturday, June 8, 2013

List of Indian Banks using Finacle for CBS

Labels: CBS, Finacle

Finacle Customers

The use of Finacle is spread across 81 countries globally, including ALEXBANK,

ANZ Bank, Arab National Bank, Bank Dhofar, Co-operative Financial Services,
Credit Suisse, DBS Bank, Emirates Bank, First Bank of Nigeria, Hatton National

Bank, ICICI Bank, National Australia Group Europe, Nykredit, PostBank Uganda
Ltd, Raiffeissenbank, Socit Gnrale and Zurich Financial Services.
Labels: CBS, Finacle

What is Finacle?

Finacle is a core banking software package developed by Infosys, designed to

address various retail banking requirements. The Finacle system is one of the
major packages in the arena of core banking in Indian and Asian banking
domains.
Labels: CBS, Finacle

Introduction
Friends, here is my small effort to provide you some Basics of Finacle which
anyone can use/implement in their day-to-day life work areas.It is one of the
Popular CBS software adopted various organisations. So, I hope my effort may
help some of you.

So, Bookmark the site and Keep visiting regularly for updates.

Activation of Dormant Account

When there has been no financial activity for a long period of time, other than posting of
interest, an account can be classified as dormant. Once the account turns dormant you
cannot operate account like money cannot be withdrawn, cheque clearance etc. Statute of
limitations usually does not apply to dormant accounts, and funds can be claimed by the
owner or beneficiary at any time.
Modification
01. ACM - Enter - M - AC ID - F4
02. Option S - F4 - F6
03. Change Account Status "D" to "A" - F4 - F10

Verification
01. ACM - Enter - V - AC ID - F4
02. Option S - F4 - F6 - F4
03. Option 0 (Zero for General Details) - F4
04. F6 - F6 - F4 - Finally Press F10 to Save

Freezing an Account (AFSM)

An account can be frozen in the following cases, viz, Court Order, Garnishee Order, Income
Tax/Wealth Tax/Gift Tax attachment, Insolvency, insanity, Dispute between the account
holders, death of an account holder, etc.
The freezing can be of three types. Total freeze, Credit Only, Debit Only. Freeze can be done
either at the account level, when only the account is frozen or at the Customer Id level, when
all the accounts linked to the customer id is frozen.
Menu Option: AFSM - Select F
Freezing an Account Step-By-Step
01. AFSM - Enter
02. F - F4 - Reason (F2 to select) - F4
03. Freeze Code (T/C/D) - F4
04. Ac ID - Tab - Move to Remark Field and Enter Remark - F4
05. Press F10

Verification
01. AFSM - Enter - V - F4
02. A/c ID - F4
03. Press F10 to complete the task

Unfreeze
When it is found necessary to revoke the restriction placed on the account/customer by
freeze, then the same is possible by the Menu Option AFSM and selecting the Option U for
Unfreeze.
The operations in the account can be resumed only after the above is verified by a different
user with the requisite powers.
01. AFSM - Enter
02. U - F4 - Ac ID - F4 - Shft+F4 to Select the Account
03. Press F10 and proceed for verification

Death of a Constituent
When a customer is reported expired after confirming the news the following steps are
undertaken.
1.
If the account is with the survivorship basis (E/S, F/S, Any one of the
depositor(s)/survivor(s), the balance belongs to the surviving depositor(s).

2.
If the account is in the form of jointly, the balance is paid to the Nominee named or
in its absence to the Survivor(s) jointly with the legal heir of the Deceased.
3.
When the account in the name of a single depositor, on the death of the depositor,
the amount is paid to the nominee/legal heir of the deceased.
Since the above process may some time, and it is possible that inadvertently certain
operations may be put through the account. Keeping this in view the steps followed by the
banks is to
First, freeze the account, since after the death of a constituent the amount belongs to the
legal heir. The freezing could be restricted to withdrawals (debits), Deposits (Credits) or
total (both debits & credits). Subsequently after the formalities are observed the Banks
unfreeze the account and the amount is paid to the Legal heir/ nominee and the account is
closed.

Find Account Number from Cheque

If you want to check/search the account number of particular cheque, use the menu
option INQACHQ.
Finacle Steps
01. INACHQ - Enter
02. Enter Cheque Number - Tab - Sol ID - F4
03. Now the account number having the same Cheque number will be displayed.
Note: Sometime it may show multiple account numbers with same cheque number.
Remember those accounts have cheque with same umber but with different alpha series.
Labels: Finacle steps
Sunday, August 18, 2013

Stop Payment Processing (SPP)

Stop payments can be marked as per customers request through the menu optionSPP. Stop
Payment instructions for a cheque(s) can be entered only if Issue of concerned chequebook
has been acknowledged by customer and is duly entered in the system. Therefore, it is
necessary that cheque book should be in acknowledged status before any stop payment
instructions are entered in the system.
Stop Payment Step-By-Step

01. SPP - Enter

02. S - F4 - A/C ID - F4
03. Begin Cheque No - F4 - No of Leaves - F4
04. Enter Party Details Name - Tab - Date - Tab - Amount
05. Tab - Reason Code (Press F2 and Select from List ex. Option 2) - F4
05. Option - C (Charge Collection) - F4 - F4
06. Press F10 and send for Verification

Note: Use the option 'G' for modification of general details

Stop Payment Verification
01. SPPAU - Enter
02. V - F4 - A/c ID - F4
03. Begin Cheque No - F4 - F4
04. Option C - F4 - F4
05. Press F10
06. Print Dialogue Box will appear.

07. F (Foreground) - F4 - Y (Print required) - F4 - mention no copies & Printer

08. Press F10 to generate the STOP payment confirmation letter.
Inquire whether cheque is stopped or not.
01. ACM - Enter
02. I - F4 - A/C ID - F4
03. Option Q - F4
04. Select the Cheque Series - Ctrl+E
05. Find the cheque is marked as "Stopped"
Labels: Finacle steps, SPP
Wednesday, August 14, 2013

Chequebook Maintenance (CHBM)

Various cheque book maintenance related operations can be carried out using CHBMweb
menu option. In case of verification CHBMAU menu option should be used.
Inquire Cheque Book Status
01. CHBM - Enter
02. I - F4 - A/c Id - F4
03. Select the Series - Press Ctrl + E to check details

Add Acknowledgement (If chequebook earlier issued without

Acknowledgement)
01. CHBM - Enter
02. A (Acknowledgement) - F4 - A/c Id - F4
03. Select the Chequebook, Shft + F4
04. Press F10
Verification
01. CHBMAU - Enter
02. V - F4 - A/c No - F4
03. Press F10
Destroy Chequebook (Single / Multiple Instruments)
01. CHBM - Enter
02. A - F4 - A/c Id - F4
03. Begin Cheque No - F4 - No of Leaves - F4 - F10
Verification
01. CHBMAU - Enter
02. V - F4 - A/c No - F4
03. Begin Cheque No - F4 - F10

Caution a Cheque
01. CHBM - Enter
02. C - F4 - A/c Id - F4
03. Begin Cheque No - F4 - No of Leaves - F4 - F10
Verification

01. CHBMAU - Enter

02. V - F4 - A/c No - F4
03. Begin Cheque No - F4 - F10
Cautioned status of a cheque can be removed using " U - Undo Caution"
function followed by verification.
Labels: CHBM, Finacle steps
Saturday, August 3, 2013

Customer Search (CUS)

In case if you want check a customer is an exciting customer of your bank or not, to find out
Customer Id of a person or to know the details, the menu option CUS can be used in Finacle
(Web Mode). HCUS is the menu otion for ONS Mode of operation.
Customer ID Search Step-By-Step
01. CUS - Enter
02. Now fill-up any of the relevant fields like Customer Name, Short Name, Address or
Phone No
03. To get accurate result Enter more than one field - Press F4
04. It may show one or more result depending upon the Data entered.
05. Select one record and Press Ctrl+E to check Customer Details
06. If there is no record in the list - Press F3 and Change Data to search again

Labels: Finacle Commands, Finacle steps

Thursday, August 1, 2013

Account Lien Maintenance (ALM)

One can lien certain amount in an account in Finacle which can not withdrawn unless lien is
removed. Lien can be marked in account due to Income Tax Attachment Order, Garnishee
Order, Margin Money or Collateral security etc. Even if a customer want load against Fixed
Deposit, the FD can be marked lien as guarantor for loan.
Account Lien Maintenance Step-By-Step
01. ALM - Enter
02. A - F4 - AC ID - F4
03. Amount (Mention amount to be Lien) - Tab
04. Expiry Date (the lien will be automatically removed after the date) - Tab
05. Reason (Press F2 and select from list) - Tab
06. Reason (Mention detail lien reason) - F10

Verification
01. ALM - Enter 02. V - F4 - AC ID - F4 - Check Lien Details
03. Press F10 to complete the task
Use ACCBAL command to verify the lien amount
Removing Lien (Manually)
01. ALM - Enter
02. M - F4 - AC ID - f4
03. Change the Lien amount to 0.00
04. Press F10
Verification
01. ALM - Enter - V - F4
02. AC ID - F4 - Check Modified Lien Details
03. Press F10 to complete the task

Pay Order (PO) by Cash

Pay Order
Pay Order is also an instrument through which funds can be transferred. But pay order is
issued only within local clearing area.
Issue of Pay Order Step-By-Step
01. TM - A - F4 - C/NR - F4
02. Select PO A/C No (To Select Press F2 - Scheme Type - DDA - F4 - Select PO AC) - F4
03. PO Amount- Tab - C - Tab - Narration (PO by cash)- F4
04. Payee Name - F4 (Payee name Must be Exact as per Slip) - Purchaser Name - F4
05. Print Option - L - F4 (View Charge) - F4
06. Use DOWN ARROW to Visit all Part Tran
07. POST all Part Tran - P - F4 - F10
08. Note Down the TRANID and Proceed to Printing (Same af Printing of a Single DD)
Labels: Finacle steps, Pay Order

Printing of a Single Demand Draft (DD)

Printing of Draft is possible after transaction is posted.

Single Demand Draft Printing Step-By-Step

Menu Option: DDPRNT
01. DDPRNT - Enter
02. Mention DD No or Tran ID & Part Tran No (normally 1) - F4
03. Mention Date - F4
04. Make your Printer ready with Blank DD
05. Press F4 to start printing.
06. Once Printed OK (Y), Press F10 or Click Commit

After committing inventory will be moved and necessary update to DD number, Print flag
happens.

CAUTION
If user quit at this stage without commit no update will be done and the draft will remain in
unprinted status and if the draft is drawn on Finacle branches it will affect the payment
status also.
Labels: Demand Draft, Finacle steps

DD by Cash
Demand Drafts / Bankers Cheque / Pay Order are an important mode of remittance of
money from one centre to another for the public in general. This is one of the key services
offered by the bank which generates non-fund income to the Bank.
Apart from issue and payment of draft, other activities involved in this line of business are
cancellation, rectification, re-validation, reversal, noting caution as a part of Demand Draft
handling process. Automatic charge calculation, charging of special charges for special
customer, also forms integral part of business requirement.
Demand Draft
A demand draft is an order instrument drawn by one office of a bank upon another office of
the same bank .Through this process the money is transferred from one centre to another
centre.
Issue of Demand Draft
Menu Option TM / HDDMI
DD by Cash Step-By-Step
01. TM - A - F4 - C/NR - F4
02. Enter DD A/C No (To Select Press F2 - Scheme Type - DDA - F4 - Select DD AC) - F4
03. DD Amount- Tab - C - Tab - Narration "DD by cash"- F4
04. Mention City- Tab - Branch - F4
05. Payee Name - F4 (Payee name Must be Exact as per Slip) - Purchaser Name - F4
06. Print Option - L - F4 (View Charge) - F4
07. Use DOWN ARROW to Visit all Part Tran
08. POST all Part Trans (P- F4) - Finally Press F10
08. Note Down DD No / TRANID and Proceed to Printing of a Single DD

Labels: Demand Draft, Finacle steps

Day-One Finacle Menu For Probationary Bank Officer/Clerk

Congratulations! Welcome to Banking fraternity :)
Whenever new officer/clerk join the bank. S/He has to face the core banking software package,
through which the banking system runs. Here, I would like to introduce some basis Finacle
menus which would be useful to new joinee.
After getting FINACLE User ID & Password you can use some following basic Menus on the
first day.
1.PBP- Pass book Printing -This is used to print the saving bank pass book of the customer.
2.NEWPBP- New Pass Book Printing-This is used to print the saving bank pass book of the
customer those have new format of Passbook.
3.ACLI- Account Ledger Inquiry -To know the account transaction history of a customer's
account up to last three months]
These menus are sufficient for the first day of your banking job.
Sponsered Links

F1 Field Level Help

F2 List
F3/Esc Quit/Back
F4 Accept This function key validates the values entered by the user and takes the user to
mandatory field or next block
F5 Background Menu
F6 Next block/ Next Page

the next

F9 View Signatures (Scan Image)

F10 Commit
F11 Validates & takes the user to Next Field
TAB/Enter Next Field
CTRL+D Page Down
CTRL+U Page UP
CTRL+E Explode/Drill down
CTRL+F Clear Field
Shift+F4 Select from list

Finacle Command - TM for Transaction maintainance

Part - I
11/14/2012 08:05:00 PM about finacle, ACLI, Credit, Debit, Finacle, Finacle Commands, Maker
checker,TM, Transaction Maintenance, Transaction Maintenance in Finacle 7 comments
TM (TRANSACTION MAINTENANCE) - finacle command for Transactions
In day-to-day banking operation various customers are making transactions in their accounts.These transactions are
either debit transactions or credit transactions. Customer makes these transactions by the way of depositing cash,
withdrawing the cash or issue the transfer from one account to another account of himself or another customer. This
finacle command is used for :

CASH DEPOSIT

CASH WITHDRAWL

TRANSFER
We can say ACLI (Account Ledger Inquiry ) is the maiden command In finacle , and next to learn immediate
command for any Banker is TM (Transaction Maintance ). By using this finacle command we can create a
transaction for Cash Deposit , Cash Withdrawal , and Cash transfer from one account (Customer/office a/c) to other.

But before going in to details of this command lets first know the basics of the Maker -Cheker concept which is used
extensively in finacle.Maker-checker (or Maker and Checker, or 4-Eyes) is one of the central principles of
authorization in the Information Systems of financial . Here the segregation of duties plays an important role. In this
way, strict control is kept over system software and data keeping in mind functional division of labor between all
classes of employees.
Any transaction in Finacle has to be processed by different user i.e. same user cannot enter/Post and Verify the
transaction. In other words there is maker checker concept by two different user IDs.
In a Transaction in accounting procedure there are two basic parts Debit and Credit. and in finacle a Transaction can
have following state:
1. E - Entered
2. P- Posted
3. R - Reset
4. D - Deleted
5. V - Verified
1. E - Entered

Transaction is in (E) entered state , actual transfer of fund not take place, accounts will be not updated in
the database at server end

Transaction can be Reset and Can be deleted.

2. P- Posted

If Transaction is in (P) Posted state, transfer of fund take place with immediate
accounts get updated in the database at Server end.

Transaction once Posted ,can not be Reset and Can not be deleted.

effect and both

3. R - Reset

It reset a Transaction from Entered state / Posted State.4. D - Deleted

When a transaction or part transaction is deleted , it will be in deleted state.

5. V - Verified
When a transaction is verified by another user , it will be in Verified state.
While creating a Transaction following functions are used. for creating a new Transaction
(Deposit/Withdrawl/Transfer) we use function A . and when we want to copy a transaction we can use function C ,
after creating transaction i
FUNCTIONS:
A- ADD
C- COPY
D- DELETE
I - INQUIRE
M- MODIFY
V- VERIFY
R- RESET
SUB TYPE
The Sub Type Transaction specify mode of the Transaction.

i.e for Payment by a Cashier to a Customer , the Cashier uses NP ( Normal Payment ) for debitting his
Customer's account and credit Teller acccount and for reciept , the cashier used NR ( Normal Reciept)
for receiving cash from the Customer and credits customer account by debitting Teller account.

if a customer account has to be debitted or credited in a transaction we have to use CI ( Customer

Induced)

if any Office account has to be debitted or credited in transaction we can use BI (Bank Induced)
Frequently used Different Subtypes:
Though Different Banks have numerous Sub Types for different Purpose following are the frequently Used Sub
Types.
C-CASH
L-CLEARING
T-TRANSFER
NP-NORMAL PAYMENT
NR-NORMAL RECEIPT
CI-CUSTOMER INDUCED

BI- BANK INDUCED

EO- ECS Outward Transaction
EI - ECS Inward Transaction
Instrument Type :
Instrument Type in a transaction can be Cheque (CHQ), Withdrawal Slip (WD) , Debit Voucher (VD), Credit Voucher
(VC)
TO CREATE THE SECOND LEG of a Transaction :
To create the second leg of a Transaction press DOWN ARROW E-ENTRY
P-POSTING
V-VERIFY
Q AND F4 - For Quitting the Transaction.