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FINACLE User

Guide

IMPORTANT FUNCTION KEYS


Physical Key
F1

F2
F3

F4
F5
F6
F8
F9
F10

F11
F12
TAB
ENTER
CTRL+
CTRL+
CTRL+
CTRL+
CTRL+F1
CTRL+F3
CTRL+F4
CTRL+F8
CTRL+F9
CTRL+F11
CTRL+D
CTRL+E

CTRL+F
CTRL+J

What does it do?


Field level help. Like in several word processors
and spreadsheet packages, F1 displays context
sensitive help messages and field level help
messages.
List. This key lists the codes that may be used in a
particular field.
Quit/ Back. Quits and takes the user back to where
he started when in action. It can be used when the
input is incorrect and the user wants to abandon
what he has been doing. It can also be used to go
back to the previous menu.
Accept. After the user has completed the input,
this key can be used to accept the data.
Background Menu
Next Block
Copy Record
Display Signature
Commit/ Save. This is very important key and this
concludes the transactions. This is the commit
and transactions get into the General Ledger
(database) when this key is used.
Next field
Previous Block
Go to next valid field
Go to the next field
Next record
Previous record
Scroll left
Scroll right
Help maintenance
Show key map
Display error
Terminal lock
Memo pad look up
Context level help
Page down on a list
Explode. This key is particularly useful when in
Inquiry Screen. E.g., when the user is in
Customers Master Inquiry, he is shown the
previous accounts of the customers. He can move
the cursor to the account and press CTRL+E to
take a brief look at the details of the chosen
account.
Clear field. This key combination can be used
when the user wants to clear the field.
Display cookie field

CTRL+K
CTRL+T
CTRL+U
CTRL+X
SHIFT+F1
SHIFT+F4
SHIFT+F11
SHIFT+TAB

Clear a set of field


Display LGI. The user ID, Terminal ID, SOL, BOD
date and language details are displayed.
Page up on a list
Put BOD date. This key combination populates the
default BOD date in the field.
Function key help
Select the current item from the list. This key
combination can be used to select a value from
the list of valid values listed for a particular field.
Transmit
Go to the previous field

COMMONLY USED MENU OPTIONS


Menu
What is it used for?
Option
Customer Related
CUMM
CUMI
CUS
CUIR
CUMP
CUSTBALP

To create new customers records, modify customer record, verify


customer record and inquiry related to customers
Inquiry on customer record
Inquiry on Customers based on selected criterion/ criteria
Interest Certificate for customers
Customer Master Print
Balances for different accounts of a customer

Account Related
OAAC
OAACAU
ACM
ACLI
ACCBAL
INTTM
CAAC
CAACAU
ACINT
AITINQ
TDSCALC
ACMP
AFSM
PSP
ACTODM
ACTODI
SPP
SPPAU
INQACHQ

For opening SB/CA/FD/Loan/OD accounts


To verify account opened under OAAC
Inquiry about the accounts
Account ledger inquiry
Account balances
For changing the interest rate
Closure of accounts
Verification of closed accounts
For running interest calculations
Inquiry on interest in accounts
For calculating the TDS
Master print for accounts
For freezing/ unfreezing the accounts
Printing statement of accounts
For granting TOD
Inquiry on TOD in accounts
To input stop payments
To authorize stop payments
Inquire on the basis of cheque number

Tax related
TDSIP
TDSREP

TDS reports
TDS reports

Inventory Maintenance
IMAUM
IMC
IMI
ISI
ISIA
ICHB
ICHBAU
CHBM

Maintain authorized users for inventory


Inventory movement between locations
Inquiry on inventory
Inventory split merge and inquiry for inventory held by self
Inventory split, merge and inquiry for inventory held by others
Issue of cheque books to customer accounts
Verification of cheque books issued to customers
Inquiries relating to cheque book maintenance

Transactions
TM
TI
FTI

Putting through transactions


Inquiry on specified transactions
Inquiries for financial transactions

TEI

Inquiry on exceptions in transactions

Clearing
MCLZOH
OCTM
ICTM
OIQ
OPQ
MARKPEND
REVPEND
MICZ

Opening/ regularization/ suspension of outward clearing zone


Outward clearing transactions
Inward clearing transactions
Outward clearing transaction inquiry
Inquiry on outward clearing part tran
For marking pending some instruments
For revoking MARKPEND
Opening/ suspension/ validation/ closing of inward clearing zone

Demand Drafts/ Payorders


DDPRNT
DDLOST
DDMI
DDSM
DDD
DDII
DDIC
DDIP
DDID

Printing DD/ PO
Noting lost DD/ PO
Mass issue of DD/PO
Status of the DD/ PO
Issuing Duplicate DD/ PO
Inquiry on specific DD issued
Inquiry on credits to DD account
Inquiry on specific DD paid
Inquiry on debits to DD account

Password Maintenance
PAPW
PWMNT

Protecting password
Changing Password

OBC
BM
BI

Lodging/ verifying/ realizing OBC


Inquiry on OBC

Standing Instructions
SIM
SIE
CFLM
SIETR
SIRP
SIADVC

Setting up standing instruction


Execution of standing instructions
Inquire/ delete/ carry forward standing instruction
Standing instructions execution report
Standing instructions report
Standing instructions executed advice to the customer

JOB CARD - CREATING CUSTOMER


1.0

Open a Customer ID

1.1 Go to Menu option and enter option CUMM

1.
2.
3.
4.
5.
6.
7.

1.2 Input details as mentioned below Function


Customer Name
Short Name
Type
A/c Manager
Status
Status as on

8. Group
9. Gender
10. Occupation
11. Non Resident
12. Constitution
13. Staff?
14. Staff No
15. Minor?
16. Bank code
17. Trade Finance Customer?
18. Nat ID Card no
19. Date of birth
20. Marital status
21. Introducers details Customer
ID
22. Name
23. Introducer Status

Enter A and press F4


Enter customer name
Enter short name
Select from F2
Select from F2
Select from F2
Enter date at which status code
changed
Select from F2
Select from F1
Select from F2
Enter Y or N
Select from F2
Enter Y or N
Enter employee ID
Enter Y or N
Select from F2
Enter Y or N
Skip
Enter date of birth
Enter Y if married else N
Enter introducers customer ID
Enter introducers name
Select from F2

24. Frequency for statement


1.3 Press F4

Enter the frequency of the statement

1.4 Input details as mentioned below 1. Communication Address


2. City/State/Country/Language
Code
3. Phone/telex/Mobile/Fax No
4. Email Id
5. Swift Code
6. Is Swift Code Of Bank
7. Permanent Address
8. City/State/Country/Language
Code
9. Phone/telex No
10. Nat Lang name

Enter communication address


Select from F2
Enter No
Enter Email Address
Enter Swift Code
Enter Y or N
Enter permanent address
Select from F2
Enter No
Skip

1.5 Press F6

1.6 Input details as mentioned below 1. Community/Caste/Health


code/Customer Rating
2. As on
3. Cr Card Holder?
4. Card details
5. Customer preferential till date
6. Customer Tax Details 7. TDS Exempt end date
8. Tax slab
9. TDS customer ID

10. TDS exempt submission date


11. TDS exempt ref no
12. TDS remarks
13. PAN/GIR No

Select from F2
Enter date on which customer rating
has been taken
Enter Y or N
Enter Credit card details
Enter date till the customer is a
preferential customer
Enter the date till when the customer is
exempted from TDS
Enter TDSI for individuals/TDSC for
Corporate clients/ NOTDS for NRI
customers
Enter the customer ID of other
customer which needs to be clubbed
with this customer for TDS eligibility
purpose, leave it blank if not required
Enter date on which TDS exempt
certificate is submitted
SKIP
Enter remarks if any
Enter PAN/GIR No

1.7Press F6

1.8 Input details as mentioned below 1.


2.
3.
4.
5.
6.
7.
8.
9.

Customer financial details as on


Fin yr end month
Currency code
Business assets
Property assets
Investments
Net worth
Deposits
Limits with other
banks/institutions
10. As on
11. Fund based
12. Non fund based
13. Charge turnover required
14. Charge code
15. Charge debit a/c
16. Sol ID
17. Managers opinion
18. TODs allowed

Enter
Enter
Enter
Enter
Enter
Enter
Enter
Enter
Enter

the date
the month
currency code
amount
amount
amount
amount
amount
limits

Enter date
Enter amount
Enter amount
Enter Y or N
Select from F2
Enter a/c no
Enter SOL ID
Enter opinion
Skip

1.9 Press F6

1.10 Input details as mentioned below 1.


2.
3.
4.
5.
6.

Passport
Issue date
Passport details
Expiry date
Purge allowed
Purge remarks

Enter
Enter
Enter
Enter
Enter
SKIP

passport number
date of issue
passport details
expiry date
N

(This screen is mandatory for NRI customers)

1.11 Press F6

10

1.12 Input details as mentioned below Free Text

Enter Free Text, any relevant particulars


that you wish to input e.g., customers
nick name etc

1.13 Press F6

11

The first screen will appear, type E in ENTER OPTION and press F4. The following screen will
appear -

1.14
Type INR and press CTRL+E to explode. The following screen will
appear

12

1.15 Input details as mentioned below 1.


2.
3.
4.

With holding tax


Floor limit for with holding tax
Customer preferential %(Cr)
Customer Preferential %(Dr)
1.16 Press F4

Enter 33 for NRI customers else 0


SKIP
Enter pref. Interest if required.
Enter pref. Interest if required

If customer is minor enter option M and press F4.The following screen will appear

13

1.17 Input the details as mentioned below 1.


2.
3.
4.
5.

Date of birth
Attains majority on
Guardian
Address
City/State/Country

Enter DOB of minor


Comes by default
Enter guardian name
Enter Address of guardian
Select from F2

1.18 Press F4

14

If the customer is a trade finance customer, enter option T and the following screen will appear

1.19 Input the details as mentioned below 1. Name


2. Address
3. City
4. Telephone/fax/telex no
5. Code given by central bank
6. Code given by trade authority
7. Exp/Imp?
8. Native
9. Review date
10. SSI?
11. 100% EOU
12. Status
13. Party constitution
14. Special party?
15. Party type
16. Production cycle

Comes by default
Enter address
Select from F2
Enter no.
Enter code
Enter code
Select from F1
Comes by default (can be changed)
Enter date
Enter Y else N
Enter Y if 100% EOU
Select from F1
Select from F2
Enter Y or N
Select from F2
Comes by default

1.20
1.21

Press F4
Press F10 to commit

1.22

Customer ID will be generated and displayed on the screen.

15

Note down customer ID on the Account Opening Form and send the forms
for verification.

16

2.0

Verification of Customer ID

2.1Go to Option - CUMM

2.2 Input details as mentioned below 1. Function


2. Customer ID

Enter V
Enter customer ID

Press F4.
Press F6 six times to visit all the screens and verify details with the AOF.
On returning to the first screen press F4
Go to option E to verify currency details.
For Minor customers go to option M to verify minors details.
For Trade finance customers go to option T to verify Trade finance details.
Press F10 to commit.
The customer record stands verified.

17

SCHEME CODES

SCHEME

DESCRIPTION

No.
1
2
3
4
5
6
7
8
9
10

CODE
SAVINGS BANK
RSEFC
RSGEN
RSMCP
RSNRE
RSNRO
RSNRS
RSQ22
RSRFC
RSSTF
CSGEN

1
2
3
4
5
6
7
8
9
10
11
12
13

CURRENT
ACCOUNTS
RCEFC
RCGEN
RCNRE
RCNRO
RCNRS
RCSMC
RCSPL
RCSTF
CCEFC
CCESC
CCNPL
CCQ22
CCSPL

GL
CODES

SAVINGS RETAIL EEFC


SAVINGS RETAIL GENERAL
SAVINGS RATAIL MONEYCORP
SAVINGS RETAIL NRE
SAVINGS RETAIL NRO
SAVINGS RETAIL NRSR
SAVINGS RETAIL QA 22
SAVINGS RETAIL RFC
SAVINGS RETAIL STAFF
CORPORATE SAVINGS GENERAL

10400
10400
10400
10400
10400
10400
10400
10400
10400
10450

CURRENT
CURRENT
CURRENT
CURRENT
CURRENT
CURRENT
CURRENT
CURRENT
CURRENT
CURRENT
CURRENT
CURRENT
CURRENT

10200
10200
10200
10200
10200
10200
10200
10200
10300
10300
10300
10300
10300

RETAIL EEFC
RETAIL GENERAL
RETAIL NRE
RETAIL NRO
RETAIL NRSR
RETAIL SMART CARD
RETAIL SPECIAL
RETAIL STAFF
CORPORATE EEFC
CORPORATE ESCROW
CORPORATE NON PERSONAL
CORPORATE QA 22
CORPORATE SPECIAL

JOB CARD - SAVINGS ACCOUNT


1.0

Open a Saving Account

18

1.1 Go to Menu option and enter option OAAC

1.2 Input details as mentioned below 1.


2.
3.
4.
5.
6.
7.

Function
Customer ID
Currency code
GL subhead code
Scheme code
Permanent a/c no
Copy account no

O - Comes by default
Enter customer ID
INR comes by default
Skip
Select from F2 .
Skip
Skip

1.3 Press F4

19

1.4 Input details as mentioned below 1.


2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.

Acct name
Acct short Name
Account Open date
Special charge code
Mode of Operation
Location code
Account manager
Cash/clg/trn Exception limit
Account report code
Ledger No
Collect Charges
Turnover details
Relative to staff
Relative staff ID

15.

Remarks

Comes by default
Comes by default
Comes by default
Skip
E or S etc select from F2
Skip
Skip
Comes by default
Comes by default
Skip
Comes by default
Comes by default
If a relative of staff put Y
If above flag Y enter employee ID
of the related staff
Additional information, if any

1.5 Press F6

20

1.6 Input details as mentioned below 1. Passbook/Statement


2. Frequency for Statement

3.
4.
5.
6.
7.
8.
9.

Local calendar
Dispatch Mode
Next print date
Freeze code & Freeze reason
Pay interest
Collect interest
Customer Preferential Interest
(Cr.)
10. Account Preferential Interest
(Cr.)
11. Interest Cr A/c flag
12. Interest credit account No
13. Interest rate code
14. Account Pegged
15. Customer Preferential Interest
(Dr.)
16. Account Preferential Interest
(Dr.)
17. Interest debit flag

Enter P for Passbook & S for Statement


Enter Q=Quarterly,
1=1st date of the month,
N=if 1st is a holiday, it goes to the next
day.
Enter N
Skip
Comes by default
Skip
Comes by default
Comes by default
Skip
Skip
Enter S
Skip
Comes by default
Comes by default
Skip
Skip
Enter S

21

1.7 Press F6

1.8 Input details as mentioned below 1.


2.
3.
4.
5.
6.
7.
8.
9.

Contact Phone No
DDA maintenance
Interest Calc Freq Cr.
Next interest calc date Cr.
Interest Calc Freq Dr.
Next interest calc date Dr.
TDS Operative a/c
Language Code
Name in lang code

Enter Tel no
Skip
Skip
Skip
Skip
Skip
Skip
Skip
Skip

1.9 Press F4 and enter S in the Enter Option field to go the scheme details -

22

1.10

Input details as mentioned below -

1. Cheque Allowed
2. Availing Nomination Facility
3. With holding tax borne by

Comes by default
Enter Y or N as required
Enter P for NRO a/cs else skip

(Rest of the other fields is not to be entered)


1.11

Press F4

1.12 If you have entered Y in the field Availing Nomination facility then go to
option N. The following screen will appear

23

1.13
1.
2.
3.
4.
5.
6.
7.
8.
9.

Input details as mentioned below Nominees Name


Relationship
Address
Reg No.
City Code
State code
Country Code
Nominee Minor?
Guardians Name

10. Address
11. City Code
12. State code
13. Country code
1.14

Enter nominees name


Select from F2
Enter nominees address
Will be generated by the system
Select from F2
Select from F2
Select from F2
Y or N
If nominee is minor, enter guardians
name
Enter Guardians Address
Select from F2
Select from F2
Select from F2

Press F4

24

1.15 If the saving a/c is linked to FFD scheme the go to J option, the following
screen will appear

1.16
1.
2.
3.
4.
5.
6.

Input details as mentioned below FFD Scheme Code


Auto Renwl GL Subhead Code
Automatic Sweep?
Repayment instruction
Location code
Sweep-in deposit period

Select from F2 and press F4


Enter Same as GL subhead
Enter Y
Select from F2
Select from F2
Comes by default but can be changed

(Rest of the other fields will come by default.)


1.17

Press F4

1.18

If there are Joint Account Holders - Go to option A.

1.19 In the option A the details of the main a/c holder will appear, for adding joint
a/c holders - Press CTRL+DOWN ARROW KEY.

25

1.20 Input details as mentioned below 1.


2.
3.
4.
5.

Relation Type
Relation Code
Dispatch Mode
Designation Code
Customer ID

6. Name/Address/Tel No/Fax
No/Telex No/ Email ID
7. Start Date
8. End Date
9. Amount
10. Remarks
1.21
1.22

Select from F1
Select from F2
Select from F2
Select from F2
Enter Customer ID of the joint a/c
holder
Comes by default
Enter the date from when the joint a/c
holder can operate the a/c
Enter the date till when the joint a/c
holder can operate the a/c
Enter the signing limit of the joint a/c
holder
Enter remarks if any

Press CTRL+DOWN ARROW keys to add more joint a/c holders


and continue as explained above.
Press F4

1.23 If the customer is a NRI, Go to option R.


The
values
in
this
screen
will
"CUMM" level.

get

defaulted

from

the

26

1.24 Press F4 and then F10 to commit.


The account number will be displayed.
1.25 Note down the a/c no on the Account Opening Form and send the forms for
verification.

2.0

Verification of Accounts

2.1Go to the Menu option and enter OAACAU

27

2.2 Input details as mentioned below 1. Function


2. Temporary a/c no

Enter V
Enter the a/c number

2.3 Press F4 twice.


2.4 Enter option S and press F4.
2.5 Verify details from AOF and Press F4.
2.6 If the nomination has been given then - enter option N and press F4.
2.7 Verify the details from the AOF and Press F4.
2.8 If the customer is a NRI

- Enter option R and Press F4.

2.9 Verify the details from the AOF and press F4.
2.10 Press F10 to commit. The a/c no will be displayed.
2.11 The account stands verified.

3.0 Transactions in Savings Bank Account


3.1 Go to Menu Option and Enter TM

28

3.2 Input details as mentioned below 1.


2.
3.
4.

Function
Type
Subtype
A/c No

5. Amount
6. Next Field (adjacent to the amt
field).
7. Narration field
8. Inst type
9. Inst no
10. Value date
11. Remarks
12. Ref no
13. Visit Screen
14. Inst Date
15. Print Advice
16. Report code

Enter A and press F4


Enter C for cash/T for transfer
Select from F2
Enter SB a/c no for cash txn and the
Debit account number in case of
Transfer txn
Enter transaction (txn) amount
Enter C for credit D for debit.
Enter
Enter
Enter
Skip
Enter
Skip
Skip
Enter
Skip
Skip

narration
CHQ for cheque txn else skip
the instrument number
remarks if any
instrument date

3.3 Put P in the specify option field


3.4 Press F4 to post credit part of the transaction.
3.5 Press CTRL+DOWN ARROW key to go to the next part of the transaction.

29

3.6 In case of transfer txn in the above screen the user has to put the account no to
which the credit has to be given, put the amount and C (for credit).
3.7 In case of cash transaction the debit part need not be entered as the a/c no,
amount and D(for debit) will automatically be entered by the system.
Press F10 to commit.
3.8 Press F4 and enter P in the specify option to post the debit part of the
transaction.
3.9

Press F10 to commit.

30

The following screen will be shown

3.10

Note down the transaction ID on voucher


(which will be shown as in the above screen, here it is DC36)

31

4. Verification of Transaction
4.1 Go to Menu Option and Enter TM

4.2 Input details as mentioned below 1. Function


2. Tran Id

Enter V
Enter Txn ID from the voucher

4.3Press F4 and enter V in the field Specify Option.


4.4Press F4 to verify the first part of the txn
4.5Press CTRL+DOWN ARROW key to go the next part of the txn and enter V in the
Specify Option and press F4 and F10 to commit the verification.
The transaction stands verified.

3.1

Closure of Saving Bank Accounts

3.2Go to Menu Option and Enter CAAC -

32

3.3Input details as mentioned below 1. Function


2. A/c No

Enter Z
Enter SB a/c no

3.4Press F4 and all the details of the SB will appear on the screen.
3.5Press F4 again to go to the next screen

33

3.6Give remarks in the above highlighted field.


3.7Press F10 to commit.
The account stands closed.

34

SCHEME CODES
S

SCHEME

No.
1
2
3
4

CODE
SHORT TERM
RTCSS
RTCSC
RTCSQ
RTCSM

5
6
7

RTBSS
RTBSC
RTBSQ

RETAIL BULK SHORT TERM SIMPLE INTT


RETAIL BULK SHORT TERM COMPOUND INTT
RETAIL BULK SHORT TERM QTRLY PAYOUT

10500
10500
10500

8
9
10
11

RTSSS
RTSSC
RTSSQ
RTSSM

RETAIL
RETAIL
RETAIL
RETAIL

12
13
14
15

CTCSS
CTCSC
CTCSQ
CTCSM

CORP
CORP
CORP
CORP

16
17
18

CTBSS
CTBSC
CTBSQ

CORP BULK SHORT TERM SIMPLE INTT


CORP BULK SHORT TERM COMPOUND INTT
CORP BULK SHORT TERM QTRLY PAYOUT

10540
10540
10540

19
20
21
22

CTASS
CTASC
CTASQ
CTASM

CORP
CORP
CORP
CORP

AGRI
AGRI
AGRI
AGRI

10540
10540
10540
10540

23
24
25
26

CTGSS
CTGSC
CTGSQ
CTGSM

CORP
CORP
CORP
CORP

GOVT
GOVT
GOVT
GOVT

27
28

TTBSS
TTBSC

TREASURY BULK SHORT TERM SIMPLE INTT


TREASURY BULK SHORT TERM COMPOUND INTT

10580
10580

MEDIUM TERM
RTCMC
RETAIL CLIENT MEDIUM TERM COMPOUND INTT
RTCMQ
RETAIL CLIENT MEDIUM TERM QTRLY PAYOUT
RTCMM
RETAIL CLIENT MEDIUM TERM MONTHLY PAYOUT

10600
10600
10600

29
30
31

DESCRIPTION

GL
CODES

RETAIL
RETAIL
RETAIL
RETAIL

CLIENT
CLIENT
CLIENT
CLIENT

SHORT
SHORT
SHORT
SHORT

TERM
TERM
TERM
TERM

SIMPLE INTT
COMPOUND INTT
QTRLY PAYOUT
MONTHLY PAYOUT

10500
10500
10500
10500

STAFF
STAFF
STAFF
STAFF

SHORT
SHORT
SHORT
SHORT

TERM
TERM
TERM
TERM

SIMPLE INTT
COMPOUND INTT
QTRLY PAYOUT
MONTHLY PAYOUT

10500
10500
10500
10500

CLIENT
CLIENT
CLIENT
CLIENT

SHORT
SHORT
SHORT
SHORT

TERM
TERM
TERM
TERM

SIMPLE INTT
COMPOUND INTT
QTRLY PAYOUT
MONTHLY PAYOUT

10540
10540
10540
10540

SHORT
SHORT
SHORT
SHORT

TERM
TERM
TERM
TERM

SHORT
SHORT
SHORT
SHORT

SIMPLE INTT
COMPOUND INTT
QTRLY PAYOUT
MONTHLY PAYOUT

TERM
TERM
TERM
TERM

SIMPLE INTT
COMPOUND INTT
QTRLY PAYOUT
MONTHLY PAYOUT

10540
10540
10540
10540

35

32
33

RTBMC
RTBMQ

RETAIL BULK MEDIUM TERM COMPOUND INTT


RETAIL BULK MEDIUM TERM QUARTELY PAYOUT

10600
10600

34
35
36

RTSMC
RTSMQ
RTSMM

RETAIL STAFF MEDIUM TERM COMPOUND INTT


RETAIL STAFF MEDIUM TERM QTRLY PAYOUT
RETAIL STAFF MEDIUM TERM MONTHLY PAYOUT

10600
10600
10600

37
38
39

CTCMC
CTCMQ
CTCMM

CORP CLIENT MEDIUM TERM COMPOUND INTT


CORP CLIENT MEDIUM TERM QTRLY PAYOUT
CORP CLIENT MEDIUM TERM MONTHLY PAYOUT

10640
10640
10640

40
41

CTBMC
CTBMQ

CORP BULK MEDIUM TERM COMPOUND INTT


CORP BULK MEDIUM TERM QUARTELY PAYOUT

10640
10640

42
43
44

CTAMC
CTAMQ
CTAMM

CORP AGRI MEDIUM TERM COMPOUND INTT


CORP AGRI MEDIUM TERM QTRLY PAYOUT
CORP AGRI MEDIUM TERM MONTHLY PAYOUT

10640
10640
10640

45
46
47

CTGMC
CTGMQ
CTGMM

CORP GOVT MEDIUM TERM COMPOUND INTT


CORP GOVT MEDIUM TERM QTRLY PAYOUT
CORP GOVT MEDIUM TERM MONTHLY PAYOUT

10640
10640
10640

48

TTBMC

TREASURY BULK MEDIUM TERM COMPOUND INTT

10680

49
50
51

LONG TERM
RTCLC
RTCLQ
RTCLM

RETAIL CLIENT LONG TERM COMPOUND INTT


RETAIL CLIENT LONG TERM QTRLY PAYOUT
RETAIL CLIENT LONG TERM MONTHLY PAYOUT

10700
10700
10700

52
53

RTBLC
RTBLQ

RETAIL BULK LONG TERM COMPOUND INTT


RETAIL BULK LONG TERM QUARTELY PAYOUT

10700
10700

54
55
56

RTSLC
RTSLQ
RTSLM

RETAIL STAFF LONG TERM COMPOUND INTT


RETAIL STAFF LONG TERM QTRLY PAYOUT
RETAIL STAFF LONG TERM MONTHLY PAYOUT

10700
10700
10700

57
58
59

CTCLC
CTCLQ
CTCLM

CORP CLIENT LONG TERM COMPOUND INTT


CORP CLIENT LONG TERM QTRLY PAYOUT
CORP CLIENT LONG TERM MONTHLY PAYOUT

10740
10740
10740

60
61

CTBLC
CTBLQ

CORP BULK LONG TERM COMPOUND INTT


CORP BULK LONG TERM QUARTELY PAYOUT

10740
10740

62
63
64

CTALC
CTALQ
CTALM

CORP AGRI LONG TERM COMPOUND INTT


CORP AGRI LONG TERM QTRLY PAYOUT
CORP AGRI LONG TERM MONTHLY PAYOUT

10740
10740
10740

36

65
66
67

CTGLC
CTGLQ
CTGLM

CORP GOVT LONG TERM COMPOUND INTT


CORP GOVT LONG TERM QTRLY PAYOUT
CORP GOVT LONG TERM MONTHLY PAYOUT

10740
10740
10740

68

TTBLC

TREASURY BULK MEDIUM TERM COMPOUND INTT

10680

69
70
71

RTMIB
CTMIB
TTMIB

RETAIL MIBID
CORP MIBID
TREASURY MIBID

10810
10820
10830

72
73
74

RTCDI
CTCDI
TTCDI

RETAIL CDs
CORP CDs
TREASURY CDs

10910
10920
10930

75
76
77
78

NRI DEPOSITS
RTNOS
RTNOC
RTNOQ
RTNOM

RETAIL
RETAIL
RETAIL
RETAIL

NRO
NRO
NRO
NRO

11110
11110
11110
11110

79
80
81
82

RTNSS
RTNSC
RTNSQ
RTNSM

RETAIL
RETAIL
RETAIL
RETAIL

NRSR
NRSR
NRSR
NRSR

83
84
85

RTNRC
RTNRQ
RTNRM

RETAIL NRE COMPUND INTT


RETAIL NRE QUARTERLY PAYOUT
RETAIL NRE MONTHLY PAYOUT

11310
11310
11310

86
87
88

RTNNC
RTNNQ
RTNNM

RETAIL NRNR COMPUND INTT


RETAIL NRNR QUARTERLY PAYOUT
RETAIL NRNR MONTHLY PAYOUT

11410
11410
11410

89

RTFCC

RETAIL FCNR COMPUND INTT

11510

90

RTRFC

RETAIL RFC COMPUND INTT

11710

91
92
93
94

CTNOS
CTNOC
CTNOQ
CTNOM

CORP
CORP
CORP
CORP

NRO
NRO
NRO
NRO

11120
11120
11120
11120

95
96
97
98

CTNSS
CTNSC
CTNSQ
CTNSM

CORP
CORP
CORP
CORP

NRSR
NRSR
NRSR
NRSR

SIMPLE INTT
COMPUND INTT
QUARTERLY PAYOUT
MONTHLY PAYOUT
SIMPLE INTT
COMPUND INTT
QUARTERLY PAYOUT
MONTHLY PAYOUT

SIMPLE INTT
COMPUND INTT
QUARTERLY PAYOUT
MONTHLY PAYOUT
SIMPLE INTT
COMPUND INTT
QUARTERLY PAYOUT
MONTHLY PAYOUT

11210
11210
11210
11210

11220
11220
11220
11220

37

99
100
101

CTNRC
CTNRQ
CTNRM

CORP NRE COMPUND INTT


CORP NRE QUARTERLY PAYOUT
CORP NRE MONTHLY PAYOUT

11320
11320
11320

102
103
104

CTNNC
CTNNQ
CTNNM

CORP NRNR COMPUND INTT


CORP NRNR QUARTERLY PAYOUT
CORP NRNR MONTHLY PAYOUT

11420
11420
11420

105

CTFCC

CORP FCNR COMPUND INTT

11520

106

CTRFC

CORP RFC COMPUND INTT

11720

107
108
109

INTERBANK
BTISS
BTISC
BTISQ

INTERBANK SHORT TERM SIMPLE INTT


INTERBANK SHORT TERM COMPOUND INTT
INTERBANK SHORT TERM QUARTLY PAYOUT

12110
12110
12110

110
111

BTIMC
BTIMQ

INTERBANK MEDIUM TERM COMPOUND INTT


INTERBANK MEDIUM TERM QUARTLY PAYOUT

12120
12120

112
113

BTILC
BTILQ

INTERBANK LONG TERM COMPOUND INTT


INTERBANK LONG TERM QUARTLY PAYOUT

12130
12130

114

BTICD

INTERBANK CDs

12140

115
116
117
118

INSTITUTIONS
ITTSS
ITTSC
ITTSQ
ITTSM

119
120
121

ITTMC
ITTMQ
ITTMM

INSTITUTION MEDIUM TERM COMPOUND INTEREST


INSTITUTION MEDIUM TERM QUARTERLY PAYOUT
INSTITUTION MEDIUM TERM MONTHLY PAYOUT

12630
12630
12630

122
123
124

ITTLC
ITTLQ
ITTLM

INSTITUTION LONG TERM COMPOUND INTEREST


INSTITUTION LONG TERM QUARTERLY PAYOUT
INSTITUTION LONG TERM MONTHLY PAYOUT

12650
12650
12650

125

ITTCD

INSTITUTION CDs

12670

FLOATING RATE
RTFLA
RETAIL FLOATING RATE 46D-90D
CTFLA
CORP FLOATING RATE 46D-90D
TTFLA
TREASURY FLOATING RATE 46D-90D

10850
10860
10870

126
127
128
129

RTFLB

INSTITUTION
INSTITUTION
INSTITUTION
INSTITUTION

SHORT
SHORT
SHORT
SHORT

TERM
TERM
TERM
TERM

SIMPLE INTEREST
COMPOUND INTEREST
QUARTERLY PAYOUT
MONTHLY PAYOUT

RETAIL FLOATING RATE 91D-12M

12610
12610
12610
12610

10850

38

130
131

CTFLB
TTFLB

CORP FLOATING RATE 91D-12M


TREASURY FLOATING RATE 91D-12M

10860
10870

FFD SCHEMES
132
133

SHORT TERM
RFCSS
RFCSC

RETAIL CLIENT FFD SHORT TERM SIMPLE INTT


RETAIL CLIENT FFD SHORT TERM COMPOUND INTT

10500
10500

134
135

RFSSS
RFSSC

RETAIL STAFF FFD SHORT TERM SIMPLE INTT


RETAIL STAFF FFD SHORT TERM COMPOUND INTT

10500
10500

136
137

CFCSS
CFCSC

CORP CLIENT FFD SHORT TERM SIMPLE INTT


CORP CLIENT FFD SHORT TERM COMPOUND INTT

10540
10540

138
139
140

MEDIUM TERM
RFCMC
RETAIL CLIENT FFD MEDIUM TERM COMPOUND INTT
RFSMC
RETAIL STAFF FFD MEDIUM TERM COMPOUND INTT
CFCMC
CORP CLIENT FFD MEDIUM TERM COMPOUND INTT

141
142
143

LONG TERM
RFCLC
RFSLC
CFCLC

10600
10600
10640

RETAIL CLIENT FFD LONG TERM COMPOUND INTT


RETAIL STAFF FFD LONG TERM COMPOUND INTT
CORP CLIENT FFD LONG TERM COMPOUND INTT

10700
10700
10740

144
145

NRI DEPOSITS
RFNOS
RFNOC

RETAIL NRO FFD SIMPLE INTT


RETAIL NRO FFD COMPUND INTT

11110
11110

146
147

RFNSS
RFNSC

RETAIL NRSR FFD SIMPLE INTT


RETAIL NRSR FFD COMPUND INTT

11210
11210

148
149

CFNOS
CFNOC

CORP NRO FFD SIMPLE INTT


CORP NRO FFD COMPUND INTT

11120
11120

150
151

CFNSS
CFNSC

CORP NRSR FFD SIMPLE INTT


CORP NRSR FFD COMPUND INTT

11220
11220

152
153
154
155
156
157
158
159
160
161

CFBSS
CFBSC
CFGSS
CFGSC
TTBSQ
CFBMC
CFGMC
CTBMM
RTBMM
TTBMQ

CORP SFD BULK SIMPLE INT


CORP SFD BULK QTLY COMP
CORP SFD GOVT SIMPLE INT
CORP SFD GOVT QTLY COMP
TRY STD BULK QTLY PAYOUT
CORP MFD BULK QTLY COMP
CORP MFD GOVT QTLY COMP
CORP MTD BULK MTLY PAYOUT
RET MTD BULK MTLY PAYOUT
TRY MTD BULK QTLY PAYOUT

10540
10540
10540
10540
10580
10640
10640
10640
10600
10680

39

162
163
164
165
166
167
168
169
170
171
172
173
174
175
176

CFBLC
CFGLC
CTBLM
TTBLM
TTBLQ
RFNNC
BTMHC
BTMHP
BTLHC
BTLHP
IFTSS
IFTSC
IFTMC
IFTLC
RTBSM

CORP LFD BULK QTLY COMP


CORP LFD GOVT QTLY COMP
CORP LTD BULK MTLY PAYOUT
TRY LTD BULK MTLY PAYOUT
TRY LTD BULK QTLY PAYOUT
RET NRNR FFD SIMPLRE INT
INTERBANK MED TERM HALF YRLY COMP
INTERBANK MED TERM HALF YRLY PAYOUT
INTERBANK LONG TERM HALF YRLY COMP
INTERBANK LONG TERM HALF YRLY PAYOUT
INST SFD SIMPLE INT
INST SFD QTLY COMP INT
INST MFD QTLY COMP INT
INST LFD QTLY COMP INT
RET STD BULK MTLY PAYOUT

10740
10740
10740
10680
10680
11410
12120
12120
12130
12130
12610
12610
12630
12650
10500

BANK MASTER SCHEMES


177
178
179

RZCSS
RZCSC
RZCSQ

CLIENT SIMPLE INT-RETAIL


CLIENT QTLY COMP-RETAIL
CLIENT QTLY PAYOUT-RETAIL

10500
10500
10500

180
181
182

CZBSS
CZBSC
CZBSQ

BULK SI- CORP


BULK QTLY COMP-CORP
BULK QTLY PAYOUT-CORP

10540
10540
10540

183
184
185

CZCSS
CZCSC
CZCSQ

CORP SIMPLE INT


CORP QTLY COMP
CORP QTLY PAYOUT

10540
10540
10540

186
187
188

BZISS
BZISC
BZISQ

INTERBANK SIMPLE INT


INTERBANK QTLY COMP
INTERBANK QTLY PAYOUT

12110
12110
12110

189
190
191

RZSSS
RZSSC
RZSSQ

STAFF SIMPLE INT


STAFF QTLY COMP
STAFF QTLY PAYOUT

10500
10500
10500

192
193
194

CZGSS
CZGSC
CZGSQ

GOVT SIMPLE INT


GOVT COMP INT
GOVT QTLY PAYOUT

10540
10540
10540

195
196
197

MEDIUM TERM
RZCMC
CLIENT QTLY COMP
RZCMQ
CLIENT QTLY PAYOUT
CZBMC

BULK QTLY COMP

10600
10600
10640

40

198

CZBMQ

BULK QTLY PAYOUT

10640

199
200

CZCMC
CZCMQ

CORP QTLY COMP


CORP QTLY PAYOUT

10640
10640

201
202

BZIMC
BZIMQ

INTERBANK QTLY COMP


INTERBANK QTLY PAYOUT

12120
12120

203
204

RZSMC
RZSMQ

STAFF QTLY COMP


STAFF QTLY PAYOUT

10600
10600

205
206

CZAMC
CZAMQ

AGRI QTLY COMP


AGRI QTLY PAYOUT

10640
10640

207
208

CZGMC
CZGMQ

GOVT QTLY COMP


GOVT QTLY PAYOUT

10640
10640

209
210

LONG TERM
RZCLC
RZCLQ

CLIENT QTLY COMP


CLIENT QTLY PAYOUT

10700
10700

211
212

CZBLC
CZBLQ

BULK QTLY COMP


BULK QTLY PAYOUT

10740
10740

213
214

CZCLC
CZCLQ

CORP QTLY COMP


CORP QTLY PAYOUT

10740
10740

215
216

BZILC
BZILQ

INTERBANK QTLY COMP


INTERBANK QTLY PAYOUT

12130
12130

217
218

RZSLC
RZSLQ

STAFF QTLY COMP


STAFF QTLY PAYOUT

10700
10700

219
220

CZALC
CZALQ

AGRI QTLY COMP


AGRI QTLY PAYOUT

10740
10740

221
222

CZGLC
CZGLQ

GOVT QTLY COMP


GOVT QTLY PAYOUT

10740
10740

223
224
225
226
227
228

NRI DEPOSITS
RZNOS
RZNOC
RZNOQ
CZNOS
CZNOC
CZNOQ

NRO
NRO
NRO
NRO
NRO
NRO

SIMPLE INT-PERSONAL
QTLY INT-PERSONAL
QTLY OUTFLOW-PERSONAL
SIMPLE INT-OTHERS
QTLY INT-OTHERS
QTLY OUTFLOW-OTHERS

11110
11110
11110
11120
11120
11120

41

229
230
231
232
233
234

RZNSS
RZNSC
RZNSQ
CZNSS
CZNSC
CZNSQ

NRSR
NRSR
NRSR
NRSR
NRSR
NRSR

SIMPLE INT-PERSONAL
QTLY INT-PERSONAL
QTLY OUTFLOW-PERSONAL
SIMPLE INT-OTHERS
QTLY INT-OTHERS
QTLY OUTFLOW-OTHERS

11210
11210
11210
11220
11220
11220

235
236
237
238

RZNNC
RZNNQ
CZNNC
CZNNQ

NRNR
NRNR
NRNR
NRNR

QTLY
QTLY
QTLY
QTLY

11410
11410
11420
11420

239
240
241
242

RZNRC
RZNRQ
CZNRC
CZNRQ

NRE
NRE
NRE
NRE

243
244

RZFCC
CZFCC

FCNR PERSONAL
FCNR OTHERS

11510
11520

245
246

RZRFC
CZRFC

RFC PERSONAL
RFC OTHERS

11710
11520

247
248
249

RZMIB
CZMIB
TZMIB

RETAIL MIBID
CORP MIBID
TRY MIBID

10810
10820
10830

250
251
252

RZCDI
CZCDI
TZCDI

RETAIL CD
CORP CD
TRY CD

10910
10920
10930

253
254

RZEEF
CZEEF

RET EEFC A/C


CORP EEFC A/C

11610
11620

255
256

RVCMC
RVCLC

GOLDEN YEARS MED TERM PLAN


GOLDEN YEARS LONG TERM PLAN

10600
10700

257
258
259
260
261
262

RZFLA
CZFLA
TZFLA
RZFLB
CZFLB
TZFLB

RETAIL FLOATING RATE 46D-90D


CORP FLOATING RATE 46D-90D
TREASURY FLOATING RATE 46D-90D
RETAIL FLOATING RATE 91D-12M
CORP FLOATING RATE 91D-12M
TREASURY FLOATING RATE 91D-12M

10850
10860
10870
10850
10860
10870

263
264
265
266

BZMHC
BZMHP
BZLHC
BZLHP

INTERBANK
INTERBANK
INTERBANK
INTERBANK

12120
12120
12130
12130

QTLY
QTLY
QTLY
QTLY

INT-PERSONAL
OUTFLOW-PERSONAL
INT-OTHERS
OUTFLOW-OTHERS

INT-PERSONAL
OUTFLOW-PERSONAL
INT-OTHERS
OUTFLOW-OTHERS

MED TERM HALF YRLY COMP-BM


MED TERM HALF YRLY PAYOUT-BM
LONG TERM HALF YRLY COMP-BM
LONG TERM HALF YRLY PAYOUT-BM

11310
11310
11320
11320

42

267
268
269

RRCSC
RRCMC
RRCLC

RETAIL RD CLIENT SHORT TERM QTLY COMPOUNDING


RETAIL RD CLIENT MED TERM QTLY COMPOUNDING
RETAIL RD CLIENT LONG TERM QTLY COMPOUNDING

10500
10600
10700

270
271
272

RRSSC
RRSMC
RRSLC

RETAIL RD CLIENT SHORT TERM QTLY COMPOUNDING


RETAIL RD CLIENT MED TERM QTLY COMPOUNDING
RETAIL RD CLIENT LONG TERM QTLY COMPOUNDING

10500
10600
10700

273

RFNRC

RET FFD NRE QTLY COMP

11310

Job Card - Term Deposits


1.0

Open a Fixed Deposit Account

1.1Go to Menu Option


1.2Enter OAAC
The following screen will appear -

1.3Input details as mentioned below -

43

1.
2.
3.
4.
5.
6.
7.

Function
Customer ID
Currency code
GL subhead code
Scheme code
Permanent a/c no
Copy account no

O - Comes by default
Enter customer ID
INR comes by default
Skip
Select from F2 .
Skip
Skip

1.4Press F4

1.5Enter relevant details 1. Function

Enter O

44

1.6

Press F4

1.7Enter relevant details 1. Acct name


2. Acct short Name
3. Account Open date
4. Special charge code
5. Mode of Operation
6. Location code
7. Account manager
8. Cash/clg/trf Exception limit
9. Account report code
10. Ledger No
11. Collect Charges
12. Turnover details
13. Relative to staff
14. Relative staff ID

Comes by default
Comes by default
Comes by default
Skip
E or S etc select from F2
Skip
Skip
Comes by default
Comes by default
Skip
Comes by default
Comes by default
If relative of a staff member enter
Y
If above flag Y enter employee ID

45

15. Remarks

of the related staff


Enter additional information if
required

1.8Press F6

1.9Input details as mentioned below 1.


2.
3.
4.
5.
6.
7.
8.

Passbook/Statement
Local calendar
Dispatch Mode
Next print date
Freeze code & Freeze reason
Pay interest
Collect interest
Customer Pref Intt (Cr.)

9. Account Pref Intt (Cr.)

Type R for FD receipts


Skip
Skip
Skip
Skip
Comes by default
Comes by default
Will default from Customer records.
(Normally this field will be skipped)
If a preferential rate has to be given to
this account over and above the
customer preferential the additional
rate has to be entered here, this adds
up to the normal interest rate and the

46

10. Intt credit account No


11. Intt rate code
12. Account Peg
13. Customer Pref Intt (Dr.)
14. Account Pref Intt (Dr.)
15. Intt debit flag

1.
2.
3.
4.
5.
6.
7.

customer preferential rate. (Normally


this field will be skipped)
Skip for qtrly compounding and enter
a/c no for qtrly or monthly payout
scheme.
Comes by default
Comes by default
Skip
Skip
Skip

1.10

Press F6

1.11

Input details as mentioned below -

Contact Phone No
DDA maintenance
Intt Calc Freq Cr.
Next intt calc date Cr.
Intt Calc Freq Dr.
Next intt calc date Dr.
TDS Operative a/c

8. Language Code
9. Name in lang code

Enter Tel no
Skip
Skip
Skip
Skip
Skip
If the customer wishes, enter operative
a/c (SB or CA) from where TDS is to be
deducted
Select from F2
Select from F2

47

1.12

Press F4

1.13

Enter S in the Enter Option field to go the Scheme Details

1.14

Input details as mentioned below -

1. Deposit Type
2. Dep/Instl Amt
3. Deposit Period
4. Value date
5. Maturity date
6. Spl Catgr Indicator
7. Availing Nomination Facility
8. Print Nominee Name
9. Loan A/c No
10. Repayment A/c No
11. Maturity Value
12. Print Receipt
13. Tax category
14. With holding tax borne by
15. Safe Custody

Comes by default
Enter deposit amount
Enter deposit period
Enter value date
Skip
Select from F2
Yes or No
Yes or No
Skip
Skip
Skip
Comes by default
Comes by default
For NRO fill P otherwise skip
Comes by default

48

1.15

Press F6

1.16

Input details as mentioned below -

1. Auto Closure
2. Auto renewal
3. Max renewal allowed
4. Renewal period allowed
5. Auto renewal GL subhead code
6. Auto renewal scheme code
7. Auto renewal Intt table code
8. Renewal currency
9. Renewal rate code
10. Renewal rate
11. Intt on TDS required
12. Agent/Employee Ind. & Code
13. Regularise lien amt on maturity

Skip
Defaults to U (unlimited), can be
changed to N (none) or L limited
If entered L above, enter no. of times
renewal allowed otherwise skip.
Comes by default, can be changed
Comes by default
Comes by default
Comes by default
Skip
Skip
Skip
Comes by default
Skip
Enter Y if loan against FD to be
adjusted on maturity

49

1.17
Press F4 and then type F in the menu option to view the flow
details

1.18

Press CTRL+E to explode the flow -

50

1.19

Press F4 twice

1.20
If you have entered Y in the field Availing Nomination
facility then go to option N. The following screen will appear

51

1.21

Enter relevant details -

14. Nominees Name


15. Relationship
16. Address
17. Reg No.
18. City Code
19. State code
20. Country Code
21. Nominee Minor?
22. Guardians Name
23. Address
24. City Code
25. State code
26. Country code
1.22 Press F4

Enter nominees name


Select from F2
Enter nominees address
Comes by default
Select from F2
Select from F2
Select from F2
Y or N
If nominee is minor, enter guardians
name
Enter Guardians Address
Select from F2
Select from F2
Select from F2

1.23
In case there are Joint Account Holders go to option A. In the
option A the details of the main a/c holder will appear, for adding joint
a/c holders press CTRL+DOWN ARROW KEY.

52

1.24
1.
2.
3.
4.
5.

Enter relevant details -

Relation Type
Relation Code
Dispatch Mode
Designation Code
Customer ID

6. Name/Address/Tel No/Fax No/Tlx


No/ Email ID
7. Start Date
8. End Date
9. Amount
10. Remarks

Select from F1
Select from F2
Select from F2
Select from F2
Enter Customer ID of the joint a/c
holder
Comes by default
Enter the date from when the joint a/c
holder can operate the a/c
Enter the date till when the joint a/c
holder can operate the a/c
Enter the signing limit of the joint a/c
holder
Enter remarks if any

To add more joint a/c holders press CTRL+DOWN ARROW keys and continue as
explained above.
1.25

Press F4

1.26 If the customer is a NRI, option R has to be visited. The values in


this screen will get defaulted from the CUMM level.

53

The above screen for NRI will appear. This screen has just to be visited. Nothing can
be entered in this screen.
1.27

Press F4 and then F10 to commit.

The account number along with the maturity amt will be displayed. Note down the
a/c no on the Account Opening Form and proceed for verification.

54

2.0

Verification of Accounts

2.1Go to Menu Option.


2.2Enter OAACAU the following screen will appear

2.3Input details as mentioned below 1. Function


2. Temporary a/c no

Enter V
Enter a/c no.

2.4Press F4 twice.
2.5Go to option S. Press F4 and verify from AOF and press F4.
2.6Go to option F. Press F4 and verify flows and press F4 twice.
2.7If the nomination has been given then go to option N. Press F4 and
verify from AOF and press F4.
2.8If the customer is a NRI go to option R. Press F4 and verify from the
AOF and press F4.
2.9Press F10 to commit.
The a/c no and the maturity amount will be displayed.
The A/c stands verified.

3.0

TRANSACTIONS IN FIXED DEPOSITS ACCOUNTS

3.1Go to Menu Option and Enter TM

55

3.2Input details as mentioned below 1.


2.
3.
4.

Function
Type
Subtype
A/c No

5. Amount
6. Next Field (adjacent to the amt
field.
7. Narration field
8. Inst type
9. Inst no
10. Value date
11. Remarks
12. Ref no
13. Visit Screen
14. Inst Date
15. Print Advice
16. Report code

Enter A and press F4


Enter C for cash/T for transfer
Select from F2
Enter the FD a/c no for cash and Debit
account number for Transfer.
Enter the FD amount
Enter C for credit or D for debit
Enter narration
Skip
Skip
Skip
Enter remarks if any
Skip
Skip
Skip
Skip
Skip

3.3Press F4

56

3.4Press F4 twice and the system will take you to the previous screen
3.5Put P in the specify option field and press F4 to post credit/ debit part of
the transaction.
3.6Press CTRL+DOWN ARROW key to go to the next part of the transaction.

57

3.7In case of transfer transactions in the above screen the user has to put
the account no to which the amount will be credited i.e., the new FD
account number. [In case of cash transaction the debit part need not be
entered as the a/c no, amount and D (for debit) will automatically be
entered by the system. Press F10 to commit.]
3.8Press F4 and enter P in the specify option to post the debit part of the
transaction and press F10 to commit.
3.9The following screen will be shown

58

3.10
Note down the transaction ID (which will be shown as in the above
screen, here it is DC5) on the voucher.

4.0

Verification of Transaction

4.1Go to Menu Option and Enter TM

4.2Input details as mentioned below

59

1. Function
2. Tran Id

V for verification
Enter the Txn ID from the voucher

4.3Press F4 and enter V in the field Specify Option.


4.4Press F4 to verify the first part of the txn.
4.5Press CTRL+DOWN ARROW key to go the next part of the txn and enter V
in the Specify Option.

4.6Press F4 and F10 to commit the verification.


The transaction stands verified.

60

5.0

Closure of Fixed Deposits Accounts

5.1Go to Menu Option and Enter CAAC -

5.2Input details as mentioned below


1. Function
2. A/c No

Enter Z
Enter the a/c no.

5.3Press F4 and all the details of the FD will appear on the screen. Press F4 again to go to the next
screen

61

5.4Only two fields have to be entered 1. Closure Remarks


2. Penal Int for full period

Enter narration
Enter Y

5.5Press F4 and F10 to commit the closure of the account.

62

5.6The next step after closing the account is to calculate the TDS if any. Enter
Option - TDSCALC.
The following screen will appear

5.7Input details as mentioned below 1.


2.
3.
4.

Report to
Start A/c No
TDS on Paid/Accrued intt
Adhoc run?

Manager
Enter the a/c no.
Enter P
Enter N

Rest of the other fields need not be filled.


5.8Press F4

63

5.9Input details as mentioned below 1. Fore/Background?


2. Print Required?
5.10

Enter F
Enter Y if print reqd immediately, else N

Press F10

6.0 Deposit

Receipt Printing

6.1Go to Menu Option and enter DRP

64

6.2Enter FD a/c no in both fields as indicated above and Press F4 and the
following screen will appear -

6.3 Press F4

65

6.4Press F4 to get the next screen below -

66

6.5Press F4 and printing will begin

6.6After printing is complete Y will default in PRINT OK? Field


Check the printed COD
If found OK Press F10 to commit
Else Enter P(Print again) in PRINT OK? Field Press F10. Press F4
The Printing will begin again
After printing is complete Y will default in PRINT OK? Field
Check the printed COD
If found OK Press F10 to commit
The FD stands printed

67

JOB CARD FOR INVENTORY MAINTENANCE

The Inventory Module is used for storage, transfer of Security Items and release of
security items to Front Office personnel like Cheque Books, Demand Drafts,
Travellers cheques, Pay orders for normal Banking. The following are the various
menu options to be used for Inventory Maintenance.
1. IMAUM-Inventory Movement Authorisation
The following screen is used for feeding information:
The Authorised users at Corporate Office for initial transfer of Inventory from External agency
to Corporate location are created under this menu option.
1.1 In menu option input IMAUM. The below mentioned screen will pop up.
1.2 Select function A to add two authorised User Ids for transfer of Inventory from
Corporate Office to Branch Double Lock. The custodian and the supervisory official
will put their respective user IDs.

68

2. The menu option for transfer of Inventory from one location to another (from
Corporate office to branch and from custodial to employees) is done through
Option IMC. The screen is as under:

Step 1) ENTRY: Function A for transfer of Inventory from ZZ (External) to DL (double Lock).
Example Corporate Office will transfer Inventory from ZZ to DL01 i.e Indore branch initially.
Step 2) Branch on receipt of Inventory will transfer from location ZZ to DL and subsequently
from DL to Employees based on everyday requirements.
The steps involved for shifting keys in this option is as under:
F2 help available for first two columns, leave 3 rd column blank and enter the quantity from ***
to *** press( ctrl+ down),f4 to enter and f10 to commit.
This entry of inventory movement can be made by the lowest work class( to whom the
sationery is issued for business purpose) who has to note down the inventory Tran no
generated by the system on pressing F10.

69

3. VERIFICATION:
The verification will be done by the authorised users defined in IMAUM by inputting the
Inventory tran no. and pressing F4 for first screen and F6 for
next screen. The respective authorisers can authorise from their respective ids . The screen
is as under:

70

4. The Inquiry, Split and Merger can be made under option ISI-Inventory Inquiry,
Split and Merger

For splitting inventory recd into your ID (Employee to whom stationery is issued from double
lock) you just press S in function field and input Inventory class/Type to be split, inquiry
available here by pressing F2. In case you are selecting from available list then press Control
up/Down arrow to move cursor between records and select the relevant record by pressing
shift F4.The following screen is displayed:

71

a) Give the Start serial no of the inventory in Start Serial no.


b) Give Items or Units required in one Lot in Items per unit Field.
c) Give no of units in which total inventory is to be divided, in No of units field.
d) press f10 to commit and you will get the message records split successful.

72

5. For merger of inventory you have to use the menu option ISI. The screen is as
under:

Input the location code, inventory class/type, give the start serial no you want to
merge and the quantity you want the system to merge. Then press F4 to get the
details of merger, then press F10.
One can even Inquire/Split/Merge other Employees Inventory in Menu option ISIA.
*while defining Inventory class ,the user has to define following inventory items.
1)CHQ Cheque
2)DD - Demand Draft(for payment)
3)DDS Demand drafts (for issue)
The location class given below is predefined.
1. ZZ External to System
2. EM - Employee
The summary of menu options is as under:
Menu option
Description
IIM
INVENTORY ITEM MAINTENANCE
ILCM
INVENTORY LOCATION CODE MAINTENANCE

73

IMAUM
INVENTORY MOVEMENT AUTH. MAINTENANCE
IMC
INVENTORY MOVEMENT BETWEEN LOCATIONS
IMI
INVENTORY MOVEMENT BETWEEN LOCATIONS
IMR
INVENTORY MOVEMENT REPORT
ISIA
INVENTORY INQUIRY, SPLIT AND MERGE (ALL)
ISI
INVENTORY INQUIRY, SPLIT AND MERGE (EM)
ISR#
INVENTORY STATUS REPORT AT EMP LOCATION
ISRA$
INVENTORY STATUS REPORT (ALL)
# This report is to be generated from time to time for physical verification at employee
locations by supervisors.
$ This report is required to be generated from time to time for physical verification at branch
level/corporate office level.

CHEQUE BOOK ISSUE TO CUSTOMER ACCOUNTS


1. Go to the menu option ICHB. The following screen will appear.

74

2. Input details as mentioned below:


1.
2.
3.
4.

Function
A/c Number
Cheque Type
Issue date

Enter
Enter
Enter
Enter
F4

I and press F4
the account number and press F4
the type of cheques
the date of issue dd/mm/yy press

3. The following screen will appear

75

4.
5.
6.
7.

Scroll down to the appropriate cheque book by using CTLL +


Select the cheque book by using SHIFT + F4
Press F 10
If any other cheque book is to be issued enter the account number and repeat the
above steps till all are finished

76

VERIFICATION OF CHEQUE BOOK ISSUED


1. Go to the menu option ICHB and press <enter> The following screen will appear.

2. Input details as mentioned below:


1. Function
2. A/c Number

Enter V and press F4


Enter the account number and press F4

77

3. The details of the cheque books issued to this account will be shown. Verify the details.
Press F4 twice and then Press F10.
4. If there are any other cheque book issued to be verified enter the account number and
repeat the above steps.

5. The cheque book issue stands verified.

78

STOP PAYMENT OF CHEQUES


1. Go to the menu option SPP. The following screen will appear.

2. Input the following details:


1. Function
2. A/C No

Enter S
Enter the account number for which the
cheque is to be stopped. The time date
etc comes automatically
Enter the name of the payee
Enter the date of the stopped cheque
Enter the amount of cheque if known
Enter the reason code by selecting from
F2 list

3.
4.
5.
6.

Payees Name
Cheque date
Cheque Amt
Reason code

3.

Enter C in the option field and press F4. The following screen will appear

79

4. The charges default to the normal level. You may change the charges if required.
5. Press F4 and F10.
6. Stop payment is registered.

80

VERIFICATION OF STOP PAYMENT OF CHEQUES


1. Go to the menu option SPPAU. The following screen will appear.

2. Input the following details:


1. Function
2. A/C No
3.
4.
5.
6.

Payees Name
Cheque date
Cheque Amt
Reason code

Enter V
Enter the account number for which the
cheque has been stopped. The time
date etc comes automatically
Verify the name of the payee
Verify the date of the stopped cheque
Verify the amount of cheque if known
Verify the reason code

3. Enter C in the option field and press F4. The following screen will appear.

81

4. Verify the charges. Press F4 and F10. If you are collecting some charges the following
screen will appear.

82

5. Note down the Tran Id on the voucher.


6. The Stop Payment instruction stands verified.

83

JOB CARD FOR STANDING INSTRUCTIONS


1. Creation of Standing Instructions menu is SIM. The screen is as under:
Screen no 1.1

1. Function A
2. SI Class
3. Cust Id
4. Execution details for SI frequency
5. Execution time
6.
7.
8.
9.

Next execution date


Autopost
End date
Suspended upto

10. Charge details

11. Charge rate


12. Dr account

For Adding Standing instructions


Input C for Customer induced or B for
Bank Induced
Input Customer ID
Valid frequency are D Daily, W weekly,
F Fortnightly, M Monthly, Q Quarterly,
H Half-yearly, Y Yearly.
Valid values are B Beginning of Day,
DAnytime during Day, A after business
hours and E Every time.
Specify when next SI is to be executed.
Input Y
Input when SI is to be ended.
Input the date upto which the SI is to be
suspended upto.
Predefined for SI acceptance it is
SIACPE. For failure and execution no
charges are levied.
Applicable only if in foreign currency list
available for selection.
Input account no from which charges to
be collected.

84

13. A/c condition (optional) account


no.
14. A/c balance
15. Balance indicator
16. Excess/short Ind
17. Failure processing delete part tran
if not posted.
18. Carry forward if yes max times
19. Remarks
20. Closure remarks
21. Statistics

Input target account no for applying


target conditions SI will be executed only
if target conditions are met.
Input balance for verifying execution of SI
D debit balance or C credit balance.
E excess or S short.
Input Y for deleting.
Input valid values
Input free text.
Input free text.
System generated.

2. Press F4 to go to next page which is as under screen (no1.2):

Screen 1.2
1. Option field
2. Amount indicator
3.
4.
5.
6.

Part tran type


Create Memo pad entry
Currency
Fixed amount condition

7. Variable amount condition for

Valid value is E for enter.


Valid values are F fixed, C for contra
balancing, V variable and T for table
code.
D debit and C for Credit.
Valid values are Y for yes and N for no
Input from list available.
Enter fixed amount if indicator is F in
amount indicator.
Input account no , account balance,

85

Account no., account balance,


amount multiple, in excess/short
and percentage
8. Table code condition amount table
code

amount in multiples of , excess/short and


what percentage of excess/short to be
transferred.
List available for table code.

3. Enter the relevant details and press F4 the following screen (no 1.3) is displayed:
1. Account no
2. Amount indicator
3. Percentage
4. Amount
5. Round off indicator
6. Value of round off
7. Rate code
8. Report code
9. Intent code
10. Reference number
11. Reference
12. Remarks
13. Coll charge

Input account no
Populated from earlier field where
indicated as F for Fixed indicator.
Input percentage as required
Input amount
Valid values are H highest, L lowest and N
for nearest.
Enter amount to which rounded to.
List available
List available
List available
Enter valid reference number.
Reference number if any.
Remarks if any
Valid values are Y and N fro deduction of
charges on account of DD/MT/TT
remittances.

Screen no 1.3
4. Press F4 and you will come to screen no 1.2 then press F4 to come to second part tran
screen which is as under

86

Screen (no1.4):

Screen 1.4
5. Then start inputting values as under. The only difference would be to enter part tran
type if Debit in first screen then input Credit in the above screen and vice versa. Other
values are as per the screen 1.2.

STANDING INSTRUCTION EXECUTION


1. Normally the execution will take place as a part OF SOD/ EOD. However, in case of need
the following option can be used. The screen for Standing Instruction execution is as
under: Menu option is SIE.

87

Screen no. 1.5

CARRY FORWARD OF STANDING INSTRUCTIONS


1. The menu option for Carried Forward List Maintenance is CFLM the screen is:

88

Screen 1.6
The reports can be generated for which the menu options are as under:
SIETR
Standing Inst executed today report
SIRP
Standing Instructions Register Printing
SIADVC
Print SI advice to customer
SICL
Print SI covering letter to customer

JOBCARD FOR CLEARING ACTIVTIES


OUTWARD CLEARING :

89

Outward Clearing activities have been divided into Zones. The following zones have been
created in the system, which will be common throughout the Bank. Each branch will have to
choose and open on a daily basis the clearing zone, which is applicable to them.
Clg
Code
HV
IB
MICR

Zone

Description
High Value
InterBank
Micr
Dividend Warrant (specific only to Mumbai City,
can also be used by other branches if they have
two types of MICR clearing in a day for e.g. in
Pune.)
Non MICR Clg 1 (Manual Clearing)
Non MICR Clg 2 (Manual Clearing). To be used by
a branch in case of more than one manual clearing
per day for e.g in Pune)

DW
NMICR1
NMICR2

For e.g. Nariman Pt., Mumbai will open HV, IB, MICR and DW zones daily to process
their Outward Clg., whereas a branch like Surat, which has only one Manual clg will
open only NMICR1 zone, on a daily basis.
In Finacle
cheques :

there are only three commonly used menus to process Outward

A) OCTM
(functions : A , V)
B) MCLZOH (functions : O , S , R , G , T )
C) MARKPEND
Menu

Option

Menu

OCTM

A (Add Chq)

MCLZOH

OCTM

V (Verify Chq)

MCLZOH
MCLZOH
MARKPEND

Option
O (Open zone)
S (Suspend zone)
R
(Release
Shadow)

to

MCLZOH

(Withhold Clearance)
G
(Regularise
Shadow)

MCLZOH

T (Trf. of Lodgement)

Now let us see what each of these options does and how we lodge cheques in Outward
Clearing using Finacle :

Step 1 : OPEN A ZONE : MCLZOH function O


Every morning after SOD (BOD under Finacle) has been run, the user (supervisor) in each
branch has to open, respective clearing zones. This is compulsory else no cheques can be
lodged in clearing. The screen is as below :

90

Scr:

Function : O (open) press F4


Zone : Date / Zone code (want a list of zone codes use F2) press F4
( use <Shift > + <up or down arrow> to move between the codes and press <Shift> + F4 to
select the relevant zone code).
press F10 to commit.
Your Zone is now open and you can start lodging cheques into it. Using the same step you can
open other zones applicable to you branch for lodgement of cheques.
* Note : Please be very careful on the date field. The date to be entered is the date
when you are actually going to receive the credit for that particular clearing from
the RBI / SBI and not the date when you are doing the lodgement of cheques (except
in case of Clgs where credit is received from RBI on the same date as that of lodgement).
e.g. cheques are lodged into the system on 01/02/01. Zone date will be in case of .

91

High Value : credit received from the RBI on the same day itself hence
01/02/01.

zone date will be

MICR : Cheques are lodged on Day 1, RBI gives credit on day 2, and hence the zone date
applicable will be 02/02/01.
* Care : The value date of the credit into the clients a/c is dependent on the zone date.
* Outward Clearing Zones can be opened for the days greater than or equal to the SOD date
and not earlier to SOD date.
* Do not enter any other fields as values have been defaulted to your branch.
Step 2 : Add / Lodge Cheques into the opened zone : OCTM function A
The next step is to lodge cheques into the opened zone. The user (officer) can exercise the
above option to lodge cheques.
Function : A (add) press F4
Zone : Date / Zone Code press F4
The full. screen will appear :

92

Account Number: Input the 15 digit a/c no. press <Enter>


Amount : Input total amount of the pay in slip press F6 to go to the next block
Now start entering details of individual cheques as per the sequence of :
Instrument no. Input Chq no. press <Enter>
MICR code Input 9 digit micr code press <Enter>
Cheque Tran code Input tran code (10, 11 etc) press <Enter>
Cheque Amount press Ctrl + <Down Arrow>

* Note : The first cheque amount gets defaulted to the pay in slip amount which is helpful in
case of a single cheque in the pay slip, If there are more than one cheques in the pay in slip,
change the amount in the first instance to the actual cheque amount and keep on entering as
per the sequence for as many number of cheques in the pay in slip.
* press Ctrl + <Down Arrow > after entering particulars of each cheque, else the system
does not validate the details entered.
Once all the cheques in the pay in slip are entered press F10 to commit . Take care to
note the set number (system generated scroll no.) on the pay in slip.
If there is a mismatch between the pay in slip total and the amount of the cheques entered
system will pop a message saying so. Identify the wrong entry and make the necessary
change. Please note after flashing the mismatch warning the system will still allow you to save
the transaction if you press F10 to commit. This part transaction created can be modified later.
* Caution : The system generates a set number in the beginning as soon as you enter the
OCTM option . If you do not enter any cheques and quit, that set number is lost . A new set
number is generated the next time you enter the OCTM option. Hence exercise care not to
waste set numbers by entering OCTM option and quitting it without entering any details.

Step 3 :Verify cheques lodged : OCTM (V)


This option is to be used for verifying the cheques set number wise. The user (supervisor) has
to verify the cheques lodged into a particular zone. The following screen is displayed :
Scr:

93

(to toggle between the blocks use F6 (next) and F12 (previous). The control (small black box
on the left of the screen) moves between the pay in slip details and cheque details.
There is one more way of verifying cheques in batch verification mode using the OCTV option.
Here the user has to indicate the zone code / date , start set and end set no.. The user will not
be shown any details of the instruments lodged and it will be a blind verification for the zone
(not advised).
Step 4 : Suspend a Zone : MCLZOH function S
Once all the instruments are lodged and verified the zone has to be suspended for further
processing of the zone. Suspension is done to ensure that no more changes are done to the
already entered instruments Once the option has been exercised no further lodging of cheques
under this zone is allowed. (screen is the same as MCLZOH O above)
Revoke Suspension of Zone : MCLZOH functionV .
It may so happen that a few more cheques may have to be lodged after the zone has been
suspended. In order to do so the suspension of the zone has to be revoked with the above
option. Then lodge the cheques using OCTM option A (as explained earlier).

Step 5 : Release to Shadow Balance : MCLZOH function R

94

This option is to be exercised on the day you receive credit from RBI. This option
generates accounting entries wherein the system debits your outward clearing a/c and credits
the individual clients a/c automatically. Please note these credits are posted as unclear
balance and cannot be withdrawn without a System Exception entry being generated. (screen
is the same as MCLZOH O )

Step 6 : Mark Pending Cheques : MARKPEND


This option is very important and is used when returns of cheques lodged in clearing are
received. The system withholds transfer from unclear balance to clear balance of
those cheques, which are selected under MARPEND. Such withholding can be done on
the basis of various criteria like Zone code or Instrument no. or Bank Code or Amount etc. The
system throws up all relevant entries based on the input criteria . The user has to choose the
relevant entry and MARKPEND the item by pressing Shift + F4 (after which a small *
appears on the selected item) and then press F10 to commit the selection.

Scr :

95

* Tips: Using this feature clear balance credits of cheques pertaining to all branches of a
particular Bank or some specific branch of a Bank, can be withheld . Here input criteria will be
the concerned Bank or branch . The system will display all cheques lodged under that Bank /
branch. Select the relevant items by pressing Shift + F4 and finally press F10 to
commit your selection.

REVPEND : Revoke Pending


Instruments which are marked pending, can be revoked on normalisation (of strike etc.), by
using this menu option. The screen displayed when the option is used is the same as above
and the user can selects records based on various criteria explained above. Select the relevant
items by pressing Shift + F4 and finally press F10 to commit your selection

Scr : (same as above)

96

Step 7 : Regularise the Shadow Balance : MCLZOH function G


This option is to be exercised only on the day the returns are known . The system
converts the unclear balance to clear balance and the party can withdraw the funds. No
accounting entries are involved here and the system just converts unclear entries into clear
balance. The items selected under MARPEND are ignored for regularisation. (screen is the
same as MCLZOH O )

OTHER FEATURES :
Transfer of Lodgements : MCLZOH (T) or TROFSETS.
It may so happen that due to a sudden strike or non participation by Banks, the clearing
operations would have been suspended at the clearing house. But till then branches may have
lodged cheques in a zone. It would be impractical to delete the cheques and re-lodge them all
over again. Hence by using the above option, all instruments which are lodged for that days
clearing under a particular zone can be moved to the next days clearing zone.
UNLKZ Unlock Zone.
During various operations of clearing if the user gets a fatal error for any reason whatsoever,
the zone may get locked and the user may start getting messages like Zone locked, try
later. In such a situation the user will have to use the above option to unlock the zone and
continue further operations.
INQUIRIES :
The following inquiries are available as a part of outward clearing. Various criteria selections
have been provided for the user to have a lot of flexibility in selection of records.

Inquiry into the zone opened for a given day : MCLZOH function I .
This option gives details on the status of a zone opened, what amount
balance etc, whether regularized or not.

is under shadow

97

98

Inquiry on the basis of set numbers : IOCLS.


This option gives the following details :

99

Inquiry / Components of the shadow balance of an account : ACSBIO.


This option gives the following details

100

OPQ Inquiry on the basis of Part Transactions .


This option gives the following details:

101

OIQ : Instrumentwise Inquiry


This option gives the foll. details :

102

REPORTS:
PCLSO : Print Clearing Schedule :

103

PWO: Print Clearing Waste.

104

VALDRPT : O/W Val Date Report

105

Summary : Outward Clearing


The following flow chart will explain the steps, which are necessary to process a zone opened
under Outward clearing.

Open Zone
MCLZOH [O]

Lodge Cheques
OCTM [A]

Verify Cheques
OCTM [V]

Suspend Zone
MCLZOH [S]

Release to
Shadow Bal.
MCLZOH [R]

Mark Pending
MARKPEND

Regularise
Shadow Bal.
MCLZOH [G]

106

INWARD CLEARING :
Inward Clearing activities have been divided into Zones. The following zones have been
created in the system, which will be common throughout the Bank. Each branch will have to
choose and open on a daily basis the clearing zones, applicable to them .
Clg
Code
HV
IB
MICR

Zone

Description
High Value
InterBank
Micr
Dividend Warrant (specific only to Mumbai City,
can also be used by other branches if they have
two types of MICR clearing in a day for e.g. in
Pune.)
Non Micr Clg (Manual Clearing)

DW
NMICR

For e.g. Nariman Pt., Mumbai will open HV, IB, MICR and DW zones daily to process
their Inward Clg., whereas a branch like Surat which has only one Manual clg will
open NMICR zone only on a daily basis.
In Finacle there are only two commonly used menus to process Inward cheques :
A) ICTM (functions : A , V)
B) MICZ (functions : O , S ,V , T , P , Z )

Menu

Option

Menu

Option

ICTM

A (Add Chq)

MICZ

O (Open zone)

ICTM

V (Verify Chq)

MICZ

S (Suspend zone)

MICZ

V (Validation Run)

MICZ

T (Validation Report)

MICZ

P (Posting Run)

MICZ

Z (Zone Close)

Now let us see what each of these options do and how we lodge cheques in Inward Clearing :

Step 1 : Open A Zone : MICZ function O

107

Opening a zone is the first step in the Inward Clearing process. The user (preferably
supervisor) has to necessarily open the zone to be able to enter instruments into that zone.
Scr:

Function : O (open) press F4 ;

Sol Id :Your Br. Code appears by default

Zone : Zone code / Date press F4

( * date to be input is the posting date)

Point the mouse on and enter only the foll. fields (general details) as the rest of the values are
defaulted to your branch.
BA(R) Num / Date : Input 1 / Press CTRL + X (i.e current date) press <Enter>
Total Inst BAR : Total no. of cheques in Inward press <Enter>
Total Amt BAR : Total amount of Inward in rupees. press F4
The cursor shifts to the option box where you have the foll. choices :

108

G- General details. ( the current screen)


S - Statistics ( gives break up of postings into various a/cs, useful after Posting Run)
* For opening of the zone only G option needs to be filled (as explained above)
press F10 to commit.
Your zone is now open and you can start lodging cheques into it.
Step 2 : Add / Enter Cheques in the Zone: ICTM function A
After opening the zone, the user (Officer) can start entry of instruments after exercising the
above function. The screen is as follows
Scr

Function : A (Add)

Sol Id : defaulted to your branch

Zone : Enter the required zone code / defaulted to SOD date press F4

109

The foll. screen appears :


Scr.

Account no. : Enter 15 digit a/c no. press <enter>


Instrument no. : Enter the cheque no. press <enter>
Amount : Enter amount of the cheque press <enter>
Pay to : Enter payees name
press F9 to view the signatures of the account.

110

If you would like to enter the other optional fields like Inst date ( systems validates chq being
stale / post dated if entered), bank code etc. press F11 after inputting payees name.
If you do not want to enter the optional fields press F4 directly after entering
Payee details.
The record gets added in the system if there are no exceptions else the system will flash a
message showing exceptions like chq not issued to the a/c or insufficient balance.
If you would like to return a particular cheque for whatever reason , enter the
cheque as usual but modify the foll. fields to :
Carve = N
Reject = I press F6 . (The system will prompt you to enter certain details which
have been explained later under Inward Rejects)
You will also notice that the following fields get populated by default. :
Tran code : Chq tran code is picked up by default depending upon the account type i.e
Savings 10, Current 11 and so on.
Inst Type : Chq is defaulted
Carve : Defaulted to Y. Under carving the system keeps on apportioning the
amount of the cheque as and when it is entered and reduces the available balance
to that extent from the clients account.
Reject : Defaulted to N ( i.e. the chq is not to be returned ).

* Note :
After all cheques have been entered or if you want to quit the data entry and perform other
tasks you can either press F3 or F10.
Do not fear even if you press F3 by mistake at any stage all your postings will not get auto
reversed as in Branch Power. Each entry is saved in the system as soon as you press F4.
If there are any further cheques to be entered after you have quit, then use the
ICTM (A) option and continue with the data entry of the additional cheques.
If you wish to modify any particulars of previously entered cheques use the ICTM
(M) option.

111

In case of Demand Drafts and Pay orders additional details screen will have to be
visited wherein details like Issuing Bank/ Branch etc. will have to be input.
Tips :
In case the account no. is repetitive (same) over a number of postings and the chq amount
may or may not be the same then instead of pressing F4 after entering the payees name you
should press F8 . You will notice that the previous entry gets updated in the system and the
same line gets repeated again. You may now change only the instrument no. or the payees
name as applicable.
Step 3 : Verification of entered instruments : ICTM function V.
The user (supervisor) has to exercise the above option to verify the records entered, where he
will be taken to the following screen .
Scr.

Based on the selected criteria the system will display the concerned records.
If all records are to be displayed press F4.
The system would have selected all records for verification by default (* mark in the
beginning).

112

In case you would not want to verify a particular record take the cursor to that record by
pressing Shift + <Down Arrow> and then deselect it by pressing Shift F4.
All * marked records will be verified on pressing F10.

Tips :
The ICTM option I (inquiry) and V (verify) are very powerful search tools . While verifying /
inquiring you can narrow down the selected records based on the criteria entered in the above
screen. For e.g you would like to view all cheques debited / carved in inward clearing for a
particular account only, then use the Account no. criteria. If you would like to view / verify
records with exceptions only use the Select All X (option), without exceptions E (option).
Only the relevant records will be displayed/selected.
Step 4 : Suspension of Zone : MICZ function S
After all records are entered and verified, the user (supervisor) has to suspend the zone by
using the above option. This step is mandatory and is done to prevent any unauthorized
modification/additions into the zone and to enable further steps to take place as explained
below.
Scr is same as MICZ O (open) zone
Revoke suspension : MICZ function R
In case further cheques have to be added or existing details are to be modified the zone
suspension can be revoked by using the above option.
Scr is same as MICZ O (open) zone
Step 5 : Validation Run : MICZ function V
This is process to be exercised by the user (supervisor) before initiating the process of posting
the cheques into the account. This process generates a report which indicates all the possible
errors/ exceptions the system is going to meet when trying to create transactions and post the
same into the various accounts .The user has to carefully go through the report and take
appropriate actions to overcome the errors/exceptions without which the transactions cannot
be posted. Such exception transactions will be in entered status only and the user has to
initiate the transaction maintenance screen and post it separately. The validation run can be
run any number of times. The report file is available in the background menu option (F5).
Scr 1 is same as MICZ O (open) zone

113

Scr 2 is shown below.

Input the relevant criteria . In the template file input iclg_val.mrt.


Step 6 : Posting of cheques into the accounts for the zone : MICZ function P
When all the above processes are over, the user can initiate posting of the zone. Please note
this process creates transactions into the account i.e it debits the client and credits system
interim inward clearing account (dummy suspense a/c) . Posting of transactions depends on

114

the availability of funds, exceptions encountered etc. This process also generates a report of
the transactions posted, failed etc. The file will be available in the background menu (F5). Post
run also can be initiated any number of times. After initiating the post run, again the zone can
be reopened ( revoke suspension MICZ - R ) for modification, verification etc. and again
reinitiate post run of the zone. Scr is same as MICZ O (open) zone
Step 7 : Closure of zone : MICZ function Z
This is the last step in the inward clearing process. The user (supervisor) has to close the zone
to ensure that no further operation is initiated on that zone. By exercising this option the
system reverses the amount lying in the Interim System Inward clearing a/c by debiting the
system interim inward clg. a/c and crediting the branch Inward clearing account ( BBB 36200
000001 ).
Scr is same as MICZ O (open) zone
* Note :
UNIZ: Unlock Zone.
If for any reason during the inward clearing process, the system throws up a fatal error, the
process gets terminated abnormally and the zone gets locked. In such a case the user will not
be able to carry out any further processes. The above option will have to be used to unlock the
zone.
Short Claim : (Cheques received unlisted).
In the event of cheques being received in excess of the RBI control figure (i.e total debits to
the client is more than the bar amount under finacle) then :
Modify the Tot Inst BAR and Tot Amt Bar in MICZ M option to include the totals of unlisted
cheques .
In the ICTM option A screen debit the cheques and after inputting the payees name press
F11 and then F6 and go to the next screen
Modify the fields to listed = N and received as Y (defaulted).
(as shown in the screen below)

115

Scr

press F6 twice to come back to the original screen


press F10 to commit.
Verify the instrument ICTM [V].

116

Suspend the zone MICZ [S]


Run the validation MICZ [V]
Run the posting MICZ [P]
Close the zone MICZ [Z]
The system will automatically debit the client and park the amount in your Clearing Payable
account (BBB 36200 000005).
Excess Claim : ( Cheques received less than RBI listing )
In the event of cheques being received less than the RBI control figure (Bar amount is greater
than the total debits to clients) then on closure of the zone the system will automatically debit
your clearing receivable (BBB 36200 000004) with the shortfall.
CHEQUE RETURNS
Inward Rejects : (Return of cheques issued by your customer)
Cheques which are received in Inward Clearing and are to be returned due to reasons like post
dated , signature differs etc. are termed as Inward Rejects.
In the ICTM option A when you are inputting details of the cheque (as explained earlier)
modify the field Carve = N and the field Reject = I (i.e Inward Reject) press F4.
The system automatically goes to the next screen for you to input the reason code (press F2
for the various return codes ) press F4 .
The next screen flashes showing the charges recovered for the return press F4 and
press F6 to input the presenting Bank / branch details press F4 and F10 to commit.
The various screens are displayed below :

117

118

OUTWARD REJECTS : (cheques deposited by our clients returned)


Cheques which have been lodged in Outward Clearing (i.e. cheques deposited by your clients)
if returned by the concerned Banks, is called an Outward Reject. These returns are processed
in the Inward Clearing Module for which separate Return Zones have been created as shown
below :
Clg
Zone
Code
HVRTN
FRRTN
MIRTN
NMRTN

Description
High Value Returns
Area Return (specific only to Mumbai City for
Fort Area)
Micr Return
Non MICR Clg. Return (Manual Clearing Return)

To process the Outward Rejects first MARKPEND the concerned cheques (refer
markpend option explained earlier).
Open the concerned return zone by using the option MICZ [O].
Input only the chq no. and Reject field as O (i.e outward reject) press F6 .

119

The system will automatically pick up the relevant cheque based on the information input and
flash all the details as regards the drawee Bank / branch /client a/c no. etc. press F6
Input the return reason code (of the other Bank) press F6 to return to the main screen and
press F10 to commit.
Run all the processes applicable under the Inward Clearing module.
The system automatically debits the client and credits the branch Outward Reject account
(BBB 36100 000002 ) and also deducts the necessary charges.
The following Inquiries and Reports are available for Inward Clearing and gives the
foll. details:
.
Menu : DTCS
Tran code

Total no.of Instmnts

Total Amount

Menu : PICS
Tran Code

Chq No.

Amount

Menu : PICW
Print Display / Media List (applicable only for seeing details in floppy upload mode)

120

Flow Chart : Inward Clearing


The following flow chart will explain the steps, which are necessary to process a zone opened
under Inward clearing.

Open Zone
MICZ [O]

Lodge Cheques
ICTM [A]

Verify Cheques
ICTM [V]

Suspend Zone
MICZ [S]

Validation Run
MICZ [V]

Post Run
MICZ [P]

Close Zone
MICZ [Z]

Accounts maintained at the Branches for entire Clearing Activities :


For Outward Clg.
Outward Clearing a/c
Outward Reject a/c

BBB36100000001
BBB36100000002

For Inward Clg.


Inward Clearing a/c
System Intermediary a/c
Inward Reject a/c
Clearing Receivable a/c
Clearing Payable a/c
Chq. Return Charges a/c

BBB36200000001
BBB36200000003
BBB36200000002
BBB36200000004
BBB36200000005
BBB46800000004

Entries in Outward Clg.

121

Manual entry to be passed at Controlling Br on receipt of Clearing control fig. from


RBI/SBI .
RBI / SBI a/c
O/w Clg a/c Controlling Branch.
O/w Clg a/c at Branch 1
O/w Clg a/c at Branch 2

Dr
Cr.
Cr. (BBB 36100000001)
Cr

On releasing to shadow balance the system passes automatically entries at


Controlling Br. as well as individual branches :
O/w Clg a/c of individual Branches Dr
Customers a/c
Cr
For Outward Rejects
Clearing):

( i.e. Returns of Cheques lodged by our Clients in O/w

Entry passed only at Controlling Br. on Debit for Returns from RBI/SBI .:
O/w reject a/c Cont. Br
Dr.
O/w reject a/c at individual Branches
RBI a/c
Cr.

Dr.

Entry passed at the Controlling branch and Individual branches :


Customer a/c
O/w Reject a/c

Dr.
Cr.

Entries in Inward Clg


Manual entry to be passed at Controlling Br on receipt of Clearing control fig. from
RBI/SBI .
Inward Clg Controlling. Br. a/c
Inward Clg. a/c Branch 1
Inward Clg. a/c Branch 2
RBI a/c

Dr BBB 36200000001
Dr BBB 36200000001
Dr BBB36200000001
Cr (RBI a/c no.)

System entry passed through Read Media Upload at the Controlling Br./ else if RMI is not
available at the branch then the following manual entry.
Debiting of Customers :
Individual Clients a/c
I/w Clg a/c

Cr.

Dr.

For Inward Reject (Cheque Returned, issued by our Clients) :


Inward Reject a/c
I/w Clg. a/c

Dr BBB 36200000002
Cr. BBB 36200000001

122

On Receiving credit for Inward Reject (returns of chq issued by our client) from RBI/SBI, the
entry will be passed only at the Controlling Br to wipe out outstanding figures (on a/c of above
entry) in Inward Reject a/cs of Individual Branches.
RBI / SBI a/c
I/w Reject a/c Controlling. Br.
I/w Reject a/c at Branch 1
I/w Reject a/c at Branch 2

Dr.
Cr.

Cr.
Cr.

For Excess Instruments received in clearing (Short Claim by RBI/SBI)


Customer a/c
Clg. Payable

Dr
Cr. BBB 36200000005

(When Claim is recd from concerned Bank subsequently)


Clg Payable a/c
Pay Order a/c

Dr. BBB 36200000005


Cr.

For Instruments received less than stated in RBI/SBI listing


RBI/SBI )

(i.e excess claimed by

(If cheque does not pertain to our Bank/ or if client cannot be traced on basis of the cheque
number)
Clg Receivable a/c
I/w Clg a/c

Dr. BBB 36200000005


Cr.

(If cheque no. is traced to our client)


Customer a/c
I/w Clg a/c

Dr
Cr.

JOB CARD FOR OUTWARD CHEQUES FOR COLLECTION


(OCC/OBC)
General :
Under Finacle Outward Cheques for collection are recorded into Registers, which have been
opened in the system. The following Register has been set up for cheques received by a
branch for collection.
IOCC Inland Outward Cheques for Collection,

123

The IOCC Register has been further divided into two Sub Registers
i)
ii)

CHQOU : Cheques sent to centers where we have a branch.


CHQOT : Cheques sent to centers where we do not have a branch.
(i.e. sent directly to the Drawee Bank).

Finacle has only one menu i.e BM through which all transactions for sending cheques
(lodging), realization , charges etc. are processed. By exercising the various functions (listed
below) under BM we will see how cheques are lodged.

Function
Code

Description

G
R
N
D
M
C
V
Z
I

Lodging a cheque into the Register.


Realisation of cheque proceeds.
Cheque dishonored (Returned).
Delete cheque lodged (before verification).
Modify lodgement details.
Copy details from another lodgement.
Verify the lodgements.
Close OCC record on dishonor
Inquire on a verified bill.

Step 1: Lodge the Cheque into the system (i.e. by maker)


1.1 Enter BM in the menu box
On inputting BM in the menu box the following screen will appear.

Screen BM

124

(Pl. note this is a common menu for bill lodgement also in Trade Finance. You may find a lot of
fields, which are irrelevant. It is advised that you fill in only those fields, which are shown :)

1.2

Follow the steps as mentioned below.

Field

Instructions

Function Code

G (lodge) press F4

Reg Type

Input IOCC press F4

Reg Sub Type

Input either CHQOU or CHQOT depending on where the cheque


is being sent (i.e to our branch -CHQOU or the drawee bankCHQOT) press F4

Bill Amount

Cheque Amount press <Enter>

125

Date :

Date of the instrument press <Enter>

Lodger A/c

Enter the 15 digit a/c no. of the client press F11

Drawee Address

(point the mouse on the third box and enter the name of the
Bank press <Enter>
Input the address on the cheque. press <enter>
Enter your Bank code (i.e IBKL) <press enter>
Enter your branch code <press F4> (address will be populated
by default).
Enter the cheque no. press F4. (If you do not input this field
you will not be able to do any inquiry on this criteria) and then
press F10 to commit the record.

Collecting Br
Lodger Ref :

Your cheque has now been lodged.


Note the system generated bill number on the covering
letter and the voucher.
1.3
a. Caution:

b. Tips:

As in Outward Clg. entering the lodgement option generates


the Bill Id number at the start, when entering into the option
itself and quitting it without any valid inputs will result in a
waste of one number.
Whenever inputting the Bill Id you need not key in the entire
no. Just key in IOCCNNNN. The complete no. will get populated.
If you have a number of cheques to be lodged for a particular
Bank/branch use the C (copy) option instead of G (lodge).The
system will display the previous lodgement details under a
particular subregister. You need to change only chq amount and
cheque no.

Step 2 : Verification of lodgement (i.e. by supervisor).


The next step is to verify the cheques lodged. Enter BM in the menu box. The screen BM shown
earlier will be displayed.
2.1
Perform the following steps
Function code

V (verify) press F4

Bill Id

Input the OCC no. press F4.


(If you do not know the number press F2, all pending
lodgements will be displayed)

Option

M (General details).View the lodgement details press F4


twice and then F10 to verify the record.

126

The Lodgement is now verified

The system simultaneously passes the following Contra entries :


Cust Cont. Chq/TC (INR) Dr (BBB 93600 000001)
Bk Cont. Chq/TC (INR) sent on coll Cr (BBB 98600 000001)

Step 3 : Realisation of OCC (i.e by maker).


The next stage is at the time of realization of proceeds. Enter BM in the menu box . The screen
is the same as shown earlier.
3.1
Perform the below mentioned steps
Function code

R (realization) press F4.

Bill Id

Enter the OCC no. press F4.

127

The following screen will be displayed :


Screen 1.0

128

Screen 1.1

3.2
For Realisation of proceeds there can be various possibilities, which require different treatment
i.e :
A) Cheques collected by our Banks Network
1) Credit of proceeds to FTS a/c .
B) Cheque sent directly to the Drawee Bank.
Let us now examine them one by one :

A) Where the Chq has been collected by our Branch Network


Collecting branch credits proceeds to FTS a/c of the other branch :
Follow the below mentioned steps

129

Tran type/ Sub type

press F4 ( you will come to screen 1.1 with cursor in the


option box ).
Use Ctrl + <up> or <down> arrow to view the various
charges automatically computed by the system. You will notice
that commission and postage has been automatically
recovered. In addition FTS a/c is also debited and parties a/c
has been credited.
In case you require to modify the charges recovered, Input M
on the relevant part tran and press F4. You can go ahead
and modify the charges.
If you want to waive a particular charge use the D (delete)
option in the option box on that part tran you want deleted and
press F4.
A listing of the various entries being passed by the system is
available on using the L option.

Option

Finally after you have viewed the various details input A


(accept) and press F4 in the option box to accept (you may
press F2 for the list of various options) which will take you
back to the main screen press F10 to commit the record.

B) Where the Chq has been sent directly to the Drawee Bank and realization proceeds are
received by way of a Demand Draft.
The demand draft received should be lodged in clearing to the credit of Funds transfer
suspense a/c. After credit has been received into FTS follow the below mentioned steps:
Tran type/ Sub type
Other Bank charges

press F4 ( you will come to screen 1.1 with cursor in the


option box ).
Input the Collecting Banks charges. press F4 (you will come
to screen 1.1)
Use Ctrl + <up> or <down> arrow to view the various
charges automatically computed by the system. You will notice
that commission and postage has been automatically
recovered.
In addition FTS a/c is also debited and the parties a/c has been
credited.
In case you require to modify the charges recovered, Input M
on the relevant part tran and press F4 . You can go ahead
and modify the charges.
If you want to waive a particular charge use the D (delete)
option in the option box on that part tran you want deleted and

130

press F4.You will notice that the Ref indicator for that part
tran becomes N
A listing of the various entries being passed by the system is
available on using the L option.
Option

Finally after you have viewed the various details input A


(accept) and press F4 in the option box to accept (you can
press F2 for the list of options) which will take you back to the
main screen press F10 to commit the record.

Step 4 : Verification of Realisation (by supervisor)


The next step is to verify the cheque realisation. Use the option BM in the menu box. The
screen BM shown earlier will be displayed.
Function code

V (verify) press F4

Bill Id

Enter the OCC no. press F4.


(If you do not know the number press F2. All pending
verifications will be displayed)
R (Realisation details). View the realisation details press F4
twice .

Option

In the option box use Ctrl + <up> and <down> arrows to


view the details of transactions created. Note down the SDC no
for posting it later.
Input A in the option box to accept and press F4 to come to
the main screen and press F10 to commit the record.
The Realisation is now verified.
The charge (commission and postage) entries are in entered
status only. Hence use the TM option to post them after
inputting the relevant SDC number. Posting/verification of the
entry happens together.

The system simultaneously passes the following Contra entries :


BK Cont. Chq/TC (INR) sent on coll Dr (BBB 98600 000001)
Cust Cont. Chq/TC (INR) Cr

(BBB 93600 000001)

The OCC status for that particular record is now Closed.

131

OCC Cheques Returned


The following steps are to be followed in case of return of OBC cheques :
Input BM in the menu box.
Function code

N (dishonor) press F4

Bill Id

Input the OCC no. press F4.

Option

N (dishonor) press F4 (screen 1.0) will appear.


press F4 again (screen 1.1) will appear. You will notice that
the system will recover only * postage charges.
Input A in the option box press F4 and then press F10 to
commit the record.
* Return charges / commission may be debited separately by
accessing the TM menu

The above record has to be verified by the supervisor (verification of realization as shown
earlier). The only difference is that instead of viewing realization details, the user has to view
dishonor details (N).
This OCC record has to be force closed by using the Z option in BM menu. On entering the
screen press F10 to commit the closure.
The above step has also to be verified (as shown earlier). After inputting the V option press
F10 to complete verifying closure of the bill.

The system automatically passes the reversal contra entries.

132

Inquiry Options :
For any inquiries on OCC status use BI (Bills Inquiry) in the menu option box. The following
screen
will
appear
:

This option is a very powerful search tool and will display records based on the criteria input by
the user.

Printing of Covering Schedule :


Finacle has the option of printing the covering letter, which is sent to the Collecting Bank/
Drawee Bank. Use the BCSI option for the covering letter sent to our Bank/ Branch and BCSO
for sending letters to the drawee bank. Based on the input criteria the system will print, the
covering letters. The screen is common for both options and is shown below :

133

134

JOB CARD FOR DEMAND DRAFTS AND PAY ORDERS


FOR SINGLE ISSUE OF DEMAND DRAFT/PAY ORDER
1. Go to TM option

1.1.

Input Details as mentioned below

1. Function
2. Type
3.
4.
5.
6.

A For putting a DD Transaction


C for Cash Receipt & T for transfer from
A/C
NR For Cash receipt & CI for TR from A/C
Put the DD account No F2 help available
Enter The amount of DD
Enter C

Sub Type
A/C No
Amount
Debit
/
Credit
7. Particulars
Enter the particulars of Purchaser
1.2.
Press F4 to go to next screen depicted below
1.3.
Feed particulars as mentioned below

135

1. Create Dr Part
tran
2. City name
3. Drawn On
4. Payee Name
5. Purchaser A/c
no
6. Purchaser
name
7. Print option

In case of Cash it is system defined else say


Y
Place on Which the DD is Drawn
Branch Code F2 help available
Payees name will be Input
In Transfer from a/c A/c No of Purchaser to be
Put.
For Cash DD details of Purchaser required
Enter L for later Or I for immediate

FOR MASS ISSUE OF DD/PO THE OPTION IS DDMI


1. Go for option DDMI for issuing DD in bulk
2. Screen below will pop up

2.1.
1.
2.
3.
4.
5.
6.
7.
8.

Follow the steps mentioned below

Function
Tran Type
Sub type
Cheque
DD A/c No
Pur A/C no
Amount
Drawn On bank &
Branch
9. Payee name

A for input of Mass DD issue


T Transfer from account
CI for customer induced
Enter the cheque No
DD account No will be Given
Enter the Customers A/c No & press F6
Amount Of DD to be Entered
IBKL & enter the Branch code
Enter the Payee name. Press CTR + Down arrow for Next DD
particulars

2.2.

Note the Transaction Number on the Voucher

2.3.

After entering all the DD details Press F10 for saving the transaction.

136

DD PRINTING
1. After Posting the DD transaction Thru the TM mode, the DD Printing can be done only by a
person holding the DD Inventory in his ID. This implies that TM for DD can be posted by
any user, but Printing of the DD will be done only by the person who is Holding the DD
inventory.
2. DDPRNT- Menu option for DD printing

3. 3.1 Enter particulars as given below


1. Tran no
2. Sub type
3. Date

Enter The Transaction No generated by the TM


Enter 1
Enter the Date & press F4

4. All the details of the DD would appear on the screen along with the DD no which will be
generated by the System, however you can change the DD no. Press F10 & DD will be
printed.
5. In case the DD is not printed properly, it can be reprinted.

137

FOR CANCELLATION OF DD/PO.


1. Enter menu option - DDC

1.1.

Enter particulars given below.

1.
2.
3.
4.
5.

Function
DD No
DD ISSUE DT
Tran Type
Create
Srv
Chg Tran
6. DD amount
7. Inst Type
8. Inst number
9. Drawn on
10. Inst Date
11. DD A/c No
12. Pur A/c No
13. Pur Name
14. Ser Charges
Amt
15. Remarks
1.2.

C for cancellation for DD/Payorder.


Enter The DD no. and press F4.
Enter the DD issue date
Enter C for Cash & T For transfer
Y to be entered for taking cancellation
Charges
Amount of the DD should be entered
DDD to entered
DD Number to be entered
Name of the Branch on which it is drawn
Date of the instrument
Account No of the DD
The account No of the Purchaser. Not
applicable in case of cash.
Name of the purchaser
System Calculated Amount
Remarks if any can be given

Enter F10 to commit.

138

FOR ISSUE OF DUPLICATE DD


1. Mark the DD as lost in the menu option DDLOST.
2. Go to the menu option DDLOST

2.1.

Enter the particulars given below

1. DD No
2. Date of Issue
3. Non
payment
advice /req
3.1.

DD no of The Lost DD will be given


Date of Issue of the Lost DD will be Given
Put Y for advice or else N.

After giving the above details press F4, & then press F10 to commit.

Flow Chart For Money Equity


Is
the
customer new
or existing

If Yes, find out


the customer
ID

If No, open
customer
master and
keep the
customer ID
ready

139

Accept
Security, Set
limit, Margin
and link to
the account
Release Of
Security(SR
M)

Now issue
cheque book
(ICHM)

Go to OAAC
menu, Key in
o
as
the
function
for
opening
the
account.

Transaction
Posting ( TM )

Penal
Interest for
overdues
(System
applies at
2%)

Limit
Maintenan
ce
(ACLHM)

Intt
Application
and
Closure of
Account.
(CAAC)

140

SCREENS AND STEPS FOR OPENING MONEY EQUITY ACCOUNT


1st Screen(OAAC)
1.1
Type OAAC in the Menu option and press Enter. Following Screen comes up.

1.2

Follow Under Mentioned Steps


Cursor Position
Function
Customer ID

Value To be typed
O (Not Zero)
Enter the ID of the customer for whom
the account is being opened
Currency Code
INR
GL Subhead Code
Enter the GL Sub Head Code
Scheme Code
Enter the scheme code
Permanent A/C No
Leave the field blank. In our Bank, A/C
No is system generated
Copy A/C No
Leave Blank
Option Code
Enter G
Cursor moves to screen 2

Action
F11
F11
F11
F11
F11
F11
F4
F4

141

Follow the undermentioned steps

NOTE: The name of the account, short name, account manager etc shall appear by
default in the screen even before you enter any detail. These details are populated
from the customer master (Customer ID). Do not change them unless otherwise
required.
STEPS ON NEXT PAGE

142

1.3 Follow Undermentioned Steps:Cursor Position


Acct Name

Value To be typed
Do not change the default value unless
required
Acct Short Name
Do not change the default value unless
required
A/C Open Date
By default, it will be BOD. Change if
necessary. This can be prior to BOD but not
later than BOD
Special Charge Code Mention the code of special charges if any
are given to the customer
Mode of operation
Press F2, select appropriate mode by
pressing shift + F4
Location Code
Press F2, select appropriate mode by
pressing shift + F4
Account Mgr
Press F2, select appropriate mode by
pressing shift + F4
Cash
Exception Change the default value if needed.
Limit (Dr)
Clg Exception Limit Change the default value if needed.
(Dr)
Xfer Exception Limit Change the default value if needed.
(Dr)
Account
Report Appears by default. Do not change the value
Code
Collect charges
Enter Y
Turnover Details
Enter N
Related to staff
Y if related to staff, N if not related
Staff Id
Press F2, select Employee by pressing shift
+ F4
Cursor moves to screen-3

Action
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F6

143

Follow the undermentioned steps


Screen- 3 (OAAC)-General Details

1.4 Follow Undermentioned Steps:Cursor Position


Value To be typed
Pass book /Statement Enter S for statement / P for pass book
Frequency
of Q/blank /blank /2/N
statement
Local Calendar
Enter N
Despatch Mode
Enter Q for courier, P for Post, C for
collection
Next Print Date
DD / MM / YY.
Download To PBF
Default Value- N. Do not change it
Pay interest
Enter N
Collect interest
Enter Y
Customer Preferential Enter Preferential if any approved
(Dr / Cr)
Account
Preferential Enter Preferential if any approved
(Dr / Cr)
Interest Cr A/C Flag
ENTER S
Interest Dr A/C Flag

ENTER S

Action
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11

144

Interest Rate Code

The code shall be appearing by default.


If any change is required, do so by
pressing F2 and selecting appropriate
code.
Account Pegged
If the agreement is for Fixed Rate, Y
If the agreement is for floating rate, N
Pegging Review Date
Leave Blank
Pegging Frequency
Leave Blank
Cursor moves to screen-4
Follow the undermentioned steps
Screen- 4 (OAAC)-General Details

F11

1.5 Cursor Position


Contact Phone No
Interest
Calculation
Freq Dr
Next Int.Calc.Date Dr

Action
F11
F11

Value To be typed
Enter the Phone No
Please do not change the default value

Please
leave
unchanged
TDS Operative Account Not Applicable
Language Code
Leave Blank
Name in Language Leave Blank
Code
Cursor moves to screen 5

the

default

value

F11
F11
F6

F11
F11
F11
F6

145

Follow the undermentioned steps


Screen- 5 (OAAC)-Scheme Details

1.6 Cursor Position


Value To Be typed
Option Code
Change the value to S
Dr. Balance Limit
Enter the sanction amount
Max.Allowable Limit
Enter the sanction amount
Credit file no
Enter the credit file no
Debit Acknowledgement Enter the date of loan documents /
Date
revival letter, whichever is latter
ECGC Cover
Enter N
ECI premium Dr A/C
Leave Blank
Due Date
Leave Blank
Extd Due Date
Leave Blank
Tax Category
Default Value- N, leave it unchanged
With Holding Tax borne by Leave Blank
Cheque Allowed
Enter Y
Charge for cheque issued
Enter Y
Return Paid Cheque
Enter N
Paid Cheque Return Freq.
Leave Blank
Avail Nomination Facility
Enter N
The cursor moves over to Screen No-6

Action
F4
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F6

146

147

Follow the undermentioned steps


Screen- 6 (OAAC)-Scheme Details

1.7
Cursor Position
Customer/Account
Health
Code
Interest
Amount
(for
transferred accounts)
Cursor moves to screen 7
Option Code

Value To Be typed
Enter the valid value

Action
F11

Leave blank for all new accounts. In


case of transfer accounts, enter the
interest accrued

F4

Change the value to A for related


party details

F4

148

Follow the undermentioned steps


Screen- 7 (OAAC)-POA/AS/LA Details

1.8

Most of the details here shall have been populated from the Customer Master. If
you need to enter any details / modify any field, you can do so and there after
press F4.
Note: Here we can add any number of records by going back to option code and entering
A and pressing F4. Details of partners and guarantors can be entered here.
The cursor shall move to option field. Here enter V, press F4 and move over to screen 8.

Follow the undermentioned steps

149

Screen- 8 (OAAC)-Advance Details

1.9
Cursor
Position
Sector

Value To Be typed

Press F2, Select


Shift+F4
Sub Sector
Press F2, Select
Shift+F4
Occupation
Press F2, Select
Shift+F4
Borrower
Press F2, Select
Category
Shift+F4
Purpose
of Press F2, Select
Advance
Shift+F4
Mode Of Adv Press F2, Select
Shift+F4
Type
Of Press F2, Select
Advance
Shift+F4
Nature
Of Press F2, Select
Advance
Shift+F4
Guarantee
Press F2, Select
Cover Code
Shift+F4
Option Code
Enter H
The Cursor move over to screen -9

appropriate

code

by pressing

Actio
n
TAB

appropriate

code

by pressing

TAB

appropriate

code

by pressing

TAB

appropriate

code

by pressing

TAB

appropriate

code

by pressing

TAB

appropriate

code

by pressing

TAB

appropriate

code

by pressing

TAB

appropriate

code

by pressing

TAB

appropriate

code

by pressing

F4
F4

150

Follow the undermentioned steps


Screen- 9 (OAAC)-Sanction Limit Details

1.10
Cursor
Position
Applicable Date

Value To be typed

This field would be blocked. No need to enter any


value
Limit
Level Enter N if the account has a single limit or more
Interest
than one limit with all the limits having same
interest rate. Otherwise, Y
Sanction limit
Enter Sanction Amount
Supercede
This would be blocked
Sanction Date
Enter date of Sanction
Expiry Date
Enter the date on which the account is supposed to
be fully repaid.
Penal
Interest Enter the grace period if any, after which penal
From
interest would be charged, in case the loan is not
repaid
Document Date
Enter date of documents
Review Date
Enter date When the account is due for review

Action
F11
F11
F11
F4
F11
F11
F11
F11
F11

151

Normal Interest
Penal Interest
Security
Description
Remarks
Sanction Level
Sanction
Authority
Sanction Ref

In case you select the limit level interest as Y,


this field would be available for modification. Here
enter the normal interest rate
In case you select the limit level interest as Y,
mention the penal interest rate
Say House / Flat / Car / etc

F11

Enter Remarks if any


Press F2, select by pressing shift + F4
Press F2, select by pressing shift + F4

F11
F11
F11

Enter the reference no. of CO / RO / Branch


sanction
The Cursor move over to screen -10

F11
F11

F4

Follow the undermentioned steps


Screen- 10 (OAAC)-Drawing Power/DACC Details

1.11

152

Cursor
Value To be typed
Position
Drawing Power D if derived from securities. Normally for
Indicator
secured EMI loans, share loans, loans against
FD, etc, it would be D
Drawing Power% Leave the default value of 0.0000 as it is
Limit Id
Leave Blank
DACC limit
Leave the default value as it is
Percentage
Leave the default value as it is
A/C Recalled
Enter N
Remarks
Enter remarks if any

Action
F11
F11
F11
F11
F11
F11
F4

1.12
Cursor goes back to the option field. Now press F10 for committing the details. Screen
no-11 shall come up displaying the account number.

153

An
Aid
to
Navigation for the
Loans & Advances
Module

154

INDEX
Corporate Banking
Sl.
1

Subject
Customer Master

2
3
4
5

Current Account Escrow Accounts TRAA Accounts


Frequently Used Keys
Transactions DD, Pay Order. Standing Instructions
Overview of Advances & Schemes

Overdraft Accounts
a) Money Equity
b) Opening of Account
c) Setting up of Sanction Limit
d) Linking of Securities
e) Modification of Sanction Limit
f) Release of Securities
g) Transaction Posting
EMI Loans

a) Opening of Account
b) Setting up of Disbursement Process
c) Flow Concept
d) Disbursal
e) Repayment Schedule
f) Linking to Securities
Overdraft Against Term Deposits

a) Opening of OD Account
b) Linking up of Interest Rate
c) Setting up of Limit
d) Linking of OD A/c to FD A/c
e) Lien Enquiry / History / Closure
Term Loans

10

a) Term Loans
b) Foreign Currency Loans
NCDs

11

MIBOR Bonds

12

Preference Shares

13

Rephasement of Term Loans

14

Limit Node Maintenance

Date
05-032001

06-032001

06-032001

07-032001

07-032001
08-032001
08-032001
08-032001
08-032001
09-032001

155

15
16

a) Interchangeability of Limits
b) Parent Nodes
c) Monitoring of Individual and Group Exposures
Security Register Maintenance

17

Interest Calculation / Interest Modification / Interest


Modules
TOD

18

Past Due Accounts NPA Accounting - Provisioning

19

Closure of Accounts

20

Data Migration for Advance Accounts

21

Tools for Credit Monitoring (at branches)

22

a) Turnover In The Account


b) List of accounts where inspections are
3months old
c) Import LC devolved
d) Report of Cheques Returned
e) Message Code maintenance-Follow-up register
f) Penal Charges For non creation of security
through account / client preferential
g) Letter Generation
h) Report of Accounts Due For Review
i) Report of Insurance Due For Renewal
j) Automatic Penal Interest Application for
overdues and Delay In submission of stock
statements
k) Account / Client Profitability
l) TOD count during a period
m) Loan Overdue Position
Case Studies.

09-032001
09-032001
09-032001
09-032001
09-032001
09-032001
10-032001

10-032001

156

CUSTOMER MASTER (CUMM)


The following fields need to be filled up during Customer Creation for Loans
And Advances :
Screen 1 Option G
Type
Account Manager

To be selected by Pressing F2
To be selected by Pressing F2
relationship managers ID must
be selected
To be selected by Pressing F2
required for maintaining Group
Exposure
To be selected by Pressing F2
required for generating Returns
To be selected by Pressing F2
required for generating Returns

Group
Occupation
Constitution
Screen 3 Option G
Health Code
Customer Rating
As on

To be selected by Pressing F2
To be selected by Pressing F2
Date on which Customer Rating
has been done to be keyed in
Till what Date the Customer is
entitled to any preferential rate,
if any

Customer Preferential till Date

Screen 4 Option G
Customer Financials Details As
On
Financial Year End Month
Business Assets
Property Assets
Investments
Networth
Deposits
Limit
with
Institutions

Other

As On
Fund Based
Non Fund Based

Banks

Latest Financial Date of the


Customer
Key in the Month in Numericals
Key in the business assets of the
customer
Key in Property Assets declared
by the Customer
Key in the Investments declared
by the Customer as per the
Application
Key in the Networth of the
Customer
Key in the Deposits of the
Customer
/ Key in the Limits enjoyed from
other banks / institutions.(Fund
Based & Non Fund Based)
Key in the Date on which the
above Limit has been taken
Fund Based Limit with others
Non-Fund Based Limit with others

157

158

GL
SUBHEA
D
SCHEME DESCRIPTION

SCHM. SCHM.TYP
CODE E
5
DIGITS

65100
65110
65330
65340
65370
65380
65390

OD / CC ( RETAIL)
OD AGAINST FD-RETAIL
CASH CREDIT - RETAIL
IBPC-WITH RISK RET
IBPC-WITHOUT RISK RET
CC AGAINST CUSTOMER SHARE
OD AGAINST OTHER SECURITIES
WORKING CAPITAL DEAMND LOAN-RETAIL

RLODT
RLCCA
RICWR
RICOR
RLSHL
RLOS
RLWDL

ODA
CCA
CCA
CCA
ODA
ODA
LAA

65500
65510
65730
65740
65770
65780
65790

OD / CC ( CORPORATE)
OD AGAINST FD-CORP
CASH CREDIT-CORP
IBPC-WITH RISK CORP
IBPC-WITHOUT RISK CORP
CUSTOMER SHARE LOANS-CORP
OD AGAINST OTHER SECURITIES
WORKING CAPITAL DEAMND LOAN-CORP.

CLODT
CLCCA
CICWR
CICOR
CLSHL
CLOS
CLWDL

ODA
CCA
CCA
CCA
ODA
ODA
LAA

67110
67110
67110
67110
67110
67110
67110
67110
67110
67110
67110
67110

SHORT TERM LOANS - RETAIL


SHORT TERM LOANS -CLIENTS
SHORT TERM LOANS -SPECIAL
SHORT TERM COMMERCIAL LOANS/CLIENTS
STL<91DAYS-RETAIL
STL 91-120DAYS-RETAIL
STL 121-180 DAYS-RETAIL
STL<91DAYS-COM RET
STL 91-120DAYS-COM RET
STL 121-180 DAYS-COM TET
STL<91DAYS-SPL RET
STL 91-120DAYS-SPL RET
STL 121-180 DAYS-RETAIL

RLSTC
RLSTS
RLSTM
RL90
RL120
RL180
RC90
RC120
RC180
RS90
RS120
RS180

LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA

67120
67120
67120
67120
67120
67120
67120
67120
67120

SHORT TERM LOANS - CORPORATE


SHORT TERM LOANS -CORPORATE
CLSTC
SHORT TERM LOANS -AGRICULTURE
CLSTA
SHORT TERM LOANS-GOVT
CLSTG
SHORT TERM LOANS -SPECIAL
CLSTS
SHORT
TERM
COMMERCIAL
LOANSCORPORATE
CLSTM
STL <91DAYS -CORP
CL90
STL 91-120 DAYS -CORP
CL120
STL 121-180 DAYS -CORP
CL180
STL <91DAYS -AGRI
AL90

LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA

159

67120
67120
67120
67120
67120
67120
67120
67120
67120
67120
67120

67210
67210
67210

STL
STL
STL
STL
STL
STL
STL
STL
STL
STL
STL

91-120 DAYS -AGRI


121-180 DAYS -AGRI
<91DAYS -GOVT
91-120 DAYS -GOVT
121-180 DAYS -GOVT
<91DAYS -COM LOAN
91-120 DAYS -COM LOAN
121-180 DAYS COM LOAN
<91 DAYS SPL
91-120 DAYS SPL
121-180 DAYS SPL

AL120
AL180
GL90
GL120
GL180
CM90
CM120
CM180
CS90
CS120
CS180

MEDIUM TERM LOANS - RETAIL


MEDIUM TERM LOANS -CLIENTS
RLMTC LAA
MEDIUM TERM LOANS -SPECIAL
RLMTS LAA
MEDIUM
TERM
COMMERCIAL
LOANS/CLIENTS
RLMTM LAA

67220

MEDIUM TERM LOANS - CORPORATE


MEDIUM TERM LOANS -CORPORATE
CLMTC
MEDIUM TERM LOANS -AGRICULTURE
CLMTA
MEDIUM TERM LOANS-GOVT
CLMTG
MEDIUM TERM LOANS -SPECIAL
CLMTS
MEDIUM
TERM
COMMERCIAL
LOANSCORPORATE
CLMTM

67310
67310
67310

LONG TERM LOANS - RETAIL


LONG TERM LOANS -CLIENTS
LONG TERM LOANS -SPECIAL
LONG TERM COMMERCIAL LOANS/CLIENTS

67220
67220
67220
67220

RLLTC
RLLTS
RLLTM

67320

LONG TERM LOANS - CORPORATE


LONG TERM LOANS -CORPORATE
CLLTC
LONG TERM LOANS -AGRICULTURE
CLLTA
LONG TERM LOANS-GOVT
CLLTG
LONG TERM LOANS -SPECIAL
CLLTS
LONG
TERM
COMMERCIAL
LOANSCORPORATE
CLLTM

67510
67510
67510
67510
67510
67510
67510
67510
67510

OTHER LOANS - RETAIL


LOAN AGAINST FD-RETAIL
LOAN AGAINST SHARES-RETAIL
LOAN AGAINST SECURITIES-RETAIL
LOAN AGAINST IPO - RETAIL
BRIDGE LOAN-RETAIL
FIXED LOANS SPECIAL-LENDING (F.CY)
MONEY DRIVE LOAN-RETAIL
HOUSING LOAN UPTO 10 LACS
HOUSING LOAN > 10 LACS

67320
67320
67320
67320

LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA

RLOFD
RLOSH
RLOSC
RLOIP
RLOBR
RLOFL
RLOMD
RLOHE
RLOHG

LAA
LAA
LAA
LAA
LAA

LAA
LAA
LAA

LAA
LAA
LAA
LAA
LAA

LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA

160

67510
67510
67510
67510
67510

MONEY HOME PLUS


EDUCATIONAL LOANS
FXD.LOAN SPL(F.CY)-RETAIL
IBPC-RETAIL WITH RISK
IBPC-RETAIL WITHOUT RISK

RLOHP
RLOED
RLOFL
RILWR
RILOR

LAA
LAA
LAA
LAA
LAA

67610
67610
67610
67610
67610
67610
67610
67610

OTHER LOANS -CORPORATE


LOAN AGAINST FD-CORPORATE
CLOFD
LOAN AGAINST SHARES-CORPORATE
CLOSH
LOAN AGAINST SECURITIES-CORPORATE
CLOSC
LOAN AGAINST IPO - CORPORATE
CLOIP
BRIDGE LOAN-CORPORATE
CLOBR
FIXED LOANS SPECIAL LENDING (F.CY.)-CORP CLOFL
IBPC-RETAIL WITH RISK
CILWR
IBPC-RETAIL WITHOUT RISK
CILOR

LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA

76400
76500
76600
76700
76800

STAFF LOANS
STAFF LOANS - PERSONAL
STAFF LOANS - HOUSING
STAFF LOANS - VEHICLES
STAFF LOANS - OTHERS
STAFF SALARY ADVANCE

LAA
LAA
LAA
LAA
LAA

RLSTP
RLSHG
RLSVE
RLSOT
RLSSA

161

FREQUENTLY USED KEYS


KEYS
F2
F3
F4
F5
F6
F8
F9
F10
F11
F12
Shift F4
Ctrl E
Ctrl X
Ctrl F
Ctrl
Ctrl
Ctrl
Ctrl
Ctrl

F9
U
D
Up Arrow
Down Arrow

FUNCTIONS
LIST
QUIT
ACCEPT
BACKGROUND MENU
NEXT BLOCK
COPY RECORD
SIGNATURE DISPLAY
COMMIT
NEXT FIELD
PREVIOUS BLOCK
SELECTION OF CURRENT ENTRY
FROM OPTIONS
EXPLODE
CURRENT DATE
DELETE CURRENT ENTRY IN
FIELD
LOOK UP MEMO PAD
SROLL UP ONE PAGE
SCROLL DOWN ONE PAGE
ONE RECORD UP
ONE RECORD DOWN

162

Flow Chart For Money Equity


Is
the
customer new
or existing

If Yes, find out


the customer
ID

Accept
Security, Set
limit, Margin
and link to
the account
Release Of
Security(SR
M)

Go to OAAC
menu, Key in
o
as
the
function
for
opening
the
account.

Now issue
cheque book
(ICHM)

Transaction
Posting ( TM )

Penal
Interest for
overdues
(System
applies at
2%)

If No, open
customer
master and
keep the
customer ID
ready

Limit
Maintenan
ce
(ACLHM)

Intt
Application
and
Closure of
Account.
(CAAC)

SCREENS AND STEPS FOR OPENING MONEY EQUITY ACCOUNT

163

1st Screen(OAAC)
1.1
Type OAAC in the Menu option and press Enter. Following Screen comes up.

1.2

Follow Under Mentioned Steps


Cursor Position
Function
Customer ID

Value To be typed
O (Not Zero)
Enter the ID of the customer for whom
the account is being opened
Currency Code
INR
GL Subhead Code
Enter the GL Sub Head Code
Scheme Code
Enter the scheme code
Permanent A/C No
Leave the field blank. In our Bank, A/C
No is system generated
Copy A/C No
Leave Blank
Option Code
Enter G
Cursor moves to screen 2

Action
F11
F11
F11
F11
F11
F11
F4
F4

Follow the undermentioned steps

164

NOTE: The name of the account, short name, account manager etc shall appear by
default in the screen even before you enter any detail. These details are populated
from the customer master (Customer ID). Do not change them unless otherwise
required.
STEPS ON NEXT PAGE

165

1.3 Follow Undermentioned Steps:Cursor Position


Acct Name

Value To be typed
Do not change the default value unless
required
Acct Short Name
Do not change the default value unless
required
A/C Open Date
By default, it will be BOD. Change if
necessary. This can be prior to BOD but not
later than BOD
Special Charge Code Mention the code of special charges if any
are given to the customer
Mode of operation
Press F2, select appropriate mode by
pressing shift + F4
Location Code
Press F2, select appropriate mode by
pressing shift + F4
Account Mgr
Press F2, select appropriate mode by
pressing shift + F4
Cash
Exception Change the default value if needed.
Limit (Dr)
Clg Exception Limit Change the default value if needed.
(Dr)
Xfer Exception Limit Change the default value if needed.
(Dr)
Account
Report Appears by default. Do not change the value
Code
Collect charges
Enter Y
Turnover Details
Enter N
Related to staff
Y if related to staff, N if not related
Staff Id
Press F2, select Employee by pressing shift
+ F4
Cursor moves to screen-3

Action
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F6

166

Follow the undermentioned steps


Screen- 3 (OAAC)-General Details

1.4 Follow Undermentioned Steps:Cursor Position


Value To be typed
Pass book /Statement Enter S for statement / P for pass book
Frequency
of Q/blank /blank /2/N
statement
Local Calendar
Enter N
Despatch Mode
Enter Q for courier, P for Post, C for
collection
Next Print Date
DD / MM / YY.
Download To PBF
Default Value- N. Do not change it
Pay interest
Enter N
Collect interest
Enter Y
Customer Preferential Enter Preferential if any approved
(Dr / Cr)
Account
Preferential Enter Preferential if any approved
(Dr / Cr)
Interest Cr A/C Flag
ENTER S
Interest Dr A/C Flag

ENTER S

Action
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11

167

Interest Rate Code

The code shall be appearing by default.


If any change is required, do so by
pressing F2 and selecting appropriate
code.
Account Pegged
If the agreement is for Fixed Rate, Y
If the agreement is for floating rate, N
Pegging Review Date
Leave Blank
Pegging Frequency
Leave Blank
Cursor moves to screen-4
Follow the undermentioned steps
Screen- 4 (OAAC)-General Details

F11

1.5 Cursor Position


Contact Phone No
Interest
Calculation
Freq Dr
Next Int.Calc.Date Dr

Action
F11
F11

Value To be typed
Enter the Phone No
Please do not change the default value

Please
leave
unchanged
TDS Operative Account Not Applicable
Language Code
Leave Blank
Name in Language Leave Blank
Code
Cursor moves to screen 5

the

default

value

F11
F11
F6

F11
F11
F11
F6

168

Follow the undermentioned steps


Screen- 5 (OAAC)-Scheme Details

1.6 Cursor Position


Value To Be typed
Option Code
Change the value to S
Dr. Balance Limit
Enter the sanction amount
Max.Allowable Limit
Enter the sanction amount
Credit file no
Enter the credit file no
Debit Acknowledgement Enter the date of loan documents /
Date
revival letter, whichever is latter
ECGC Cover
Enter N
ECI premium Dr A/C
Leave Blank
Due Date
Leave Blank
Extd Due Date
Leave Blank
Tax Category
Default Value- N, leave it unchanged
With Holding Tax borne by Leave Blank
Cheque Allowed
Enter Y
Charge for cheque issued
Enter Y
Return Paid Cheque
Enter N
Paid Cheque Return Freq.
Leave Blank
Avail Nomination Facility
Enter N
The cursor moves over to Screen No-6

Action
F4
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F6

169

170

Follow the undermentioned steps


Screen- 6 (OAAC)-Scheme Details

1.7
Cursor Position
Customer/Account
Health
Code
Interest
Amount
(for
transferred accounts)
Cursor moves to screen 7
Option Code

Value To Be typed
Enter the valid value

Action
F11

Leave blank for all new accounts. In


case of transfer accounts, enter the
interest accrued

F4

Change the value to A for related


party details

F4

171

Follow the undermentioned steps


Screen- 7 (OAAC)-POA/AS/LA Details

1.9

Most of the details here shall have been populated from the Customer Master. If
you need to enter any details / modify any field, you can do so and there after
press F4.
Note: Here we can add any number of records by going back to option code and entering
A and pressing F4. Details of partners and guarantors can be entered here.
The cursor shall move to option field. Here enter V, press F4 and move over to screen 8.

Follow the undermentioned steps

172

Screen- 8 (OAAC)-Advance Details

1.9
Cursor
Position
Sector

Value To Be typed

Press F2, Select


Shift+F4
Sub Sector
Press F2, Select
Shift+F4
Occupation
Press F2, Select
Shift+F4
Borrower
Press F2, Select
Category
Shift+F4
Purpose
of Press F2, Select
Advance
Shift+F4
Mode Of Adv Press F2, Select
Shift+F4
Type
Of Press F2, Select
Advance
Shift+F4
Nature
Of Press F2, Select
Advance
Shift+F4
Guarantee
Press F2, Select
Cover Code
Shift+F4
Option Code
Enter H
The Cursor move over to screen -9

appropriate

code

by pressing

Actio
n
TAB

appropriate

code

by pressing

TAB

appropriate

code

by pressing

TAB

appropriate

code

by pressing

TAB

appropriate

code

by pressing

TAB

appropriate

code

by pressing

TAB

appropriate

code

by pressing

TAB

appropriate

code

by pressing

TAB

appropriate

code

by pressing

F4
F4

173

174

Follow the undermentioned steps


Screen- 9 (OAAC)-Sanction Limit Details

1.10
Cursor
Position
Applicable Date

Value To be typed

This field would be blocked. No need to enter any


value
Limit
Level Enter N if the account has a single limit or more
Interest
than one limit with all the limits having same
interest rate. Otherwise, Y
Sanction limit
Enter Sanction Amount
Supercede
This would be blocked
Sanction Date
Enter date of Sanction
Expiry Date
Enter the date on which the account is supposed to
be fully repaid.
Penal
Interest Enter the grace period if any, after which penal
From
interest would be charged, in case the loan is not
repaid
Document Date
Enter date of documents
Review Date
Enter date When the account is due for review

Action
F11
F11
F11
F4
F11
F11
F11
F11
F11

175

Normal Interest
Penal Interest
Security
Description
Remarks
Sanction Level
Sanction
Authority
Sanction Ref

In case you select the limit level interest as Y,


this field would be available for modification. Here
enter the normal interest rate
In case you select the limit level interest as Y,
mention the penal interest rate
Say House / Flat / Car / etc

F11

Enter Remarks if any


Press F2, select by pressing shift + F4
Press F2, select by pressing shift + F4

F11
F11
F11

Enter the reference no. of CO / RO / Branch


sanction
The Cursor move over to screen -10

F11
F11

F4

Follow the undermentioned steps


Screen- 10 (OAAC)-Drawing Power/DACC Details

1.11

176

Cursor
Value To be typed
Position
Drawing Power D if derived from securities. Normally for
Indicator
secured EMI loans, share loans, loans against
FD, etc, it would be D
Drawing Power% Leave the default value of 0.0000 as it is
Limit Id
Leave Blank
DACC limit
Leave the default value as it is
Percentage
Leave the default value as it is
A/C Recalled
Enter N
Remarks
Enter remarks if any

Action
F11
F11
F11
F11
F11
F11
F4

1.12
Cursor goes back to the option field. Now press F10 for committing the details. Screen
no-11 shall come up displaying the account number.

177

EMI LOANS
Setting up a EMI Loan Account involves the following steps.
Is the customer
new or existing

If Yes, find
out
the
customer ID

If No, open customer


master and keep the
customer ID ready

Interest
Application
ACACCR
ACBOOK
ACINT

Accept Security,
Define
Margin
and link to the
account (SRM)

Get
Repayment
Schedule in the
option LARSH

Go to OAAC menu, Key


in O as the Function
for Opening the A/c.
After A/C no is allotted,
Verify in the OAACAU
menu.

Recovery
Pending
Charges
CACC

Account
Closure
CAAC

Transaction
Posting

Recovery of PreEMI charges

of
-

Recovery of
installment
(LADSP)

178

Screens Under OAAC For A EMI Loan

es Of A Maker
General Details (G)
Enter
the
details,
Type A and Press F4
for moving to Related
Party Screen

Enter Related Party Details,


Press F4, Go to Option Code,
Type S and press F4 for
moving to Scheme Details
Screen

Enter Scheme Details,


Press F4, Go to Option
Code, type V and press
F4 for moving to Advance
Details Screen

Enter
Interest
Details,
press F4, go to Option
code, type D and press F4
for moving to Disbursal
Details

Enter Limit Details, press


F4, go to Option Code,
type I and press F4 for
moving
to
Interest
Details

Enter Advance Details,


Press F4, go to Option
Code, type H and press
F4 for moving to Limit
Details

Enter Disbursal Details,


press F4, go to Option
Code, type E and press
F4
for
moving
to
Repayment Details

Enter Repayment Details,


press F4. The cursor goes
to the option code. Press
F10 for committing the
record

Request the Checker


to Verify the account.

179

Activities for a Checker


a) The checker has to choose OAACAU menu, select verify (V) mode, visit all
the screens mentioned above, check the details and if all the data is correct,
conclude verification by pressing F10.
b) In case any data is incorrect, the Checker desires to change the data, he has
to Press F3, come out of verification, choose modify mode (M) in the
OAACAU option, correct the data as required, and commit the modification
by pressing F10. Now the account has to be verified by a person other than
the checker.
Opening an EMI Loan Account e.g. Housing Loan
Type OAAC in the menu option and press enter. The following screen comes up.
Follow the undermentioned steps

1st Screen OAAC

Follow Under Mentioned Steps


Cursor Position
Function
Customer ID

Value To be typed
O (Not Zero)
Enter the ID of the customer for whom
the account is being opened

Action
F11
F11

180

Currency Code
GL Subhead Code
Scheme Code
Permanent A/C No
Copy A/C No
Option Code

INR
Enter the GL Sub Head Code
Enter the scheme code
Leave the field blank. In our Bank, A/C
No is system generated
Leave Blank
Enter G

F11
F11
F11
F11
F4
F4

5.0.1.1.1.1.1Follow the undermentioned steps

2nd Screen OAAC (General Details)


Account Name, Account Short Name, Account Open Date, Account Report Code,
Collect Charges, Turnover Details, Relative to Staff and Exception Details will be
populated by default. Do not change them unless otherwise required.

181

Cursor Position
Acct Name

Value To be typed
Do not change the default value unless
required
Acct Short Name
Do not change the default value unless
required
A/C Open Date
By default, it will be BOD. Change if
necessary. This can be prior to BOD but not
later than BOD
Special Charge Code Mention the code of special charges if any
are given to the customer
Mode of operation
Press F2, select appropriate mode by
pressing shift + F4
Location Code
Press F2, select appropriate mode by
pressing shift + F4
Account Mgr
Press F2, select appropriate mode by
pressing shift + F4
Cash
Exception Change the default value if needed.
Limit (Dr)
Clg Exception Limit Change the default value if needed.
(Dr)
Xfer Exception Limit Change the default value if needed.
(Dr)
Account
Report Appears by default. Do not change the value
Code
Collect charges
Enter Y
Turnover Details
Enter N
Related to staff
Y if related to staff, N if not related
Staff Id
Press F2, select Employee by pressing shift
+ F4

Action
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F6

182

Follow the Undermentioned steps.

3rd Screen OAAC General Details


Cursor Position
Pass book /Statement
Frequency
of
statement
Local Calendar
Despatch Mode

Value To be typed
Enter S for statement / P for pass book
Q/blank /blank /2/N

Enter N
Enter Q for courier, P for Post, C for
collection
Next Print Date
DD / MM / YY.
Pay interest
Enter N
Collect Interest
Enter Y
Customer Preferential Enter Preferential if any approved
(Dr / Cr)
Account
Preferential Enter Preferential if any approved
(Dr / Cr)
Interest Rate Code
The code shall be appearing by default.
If any change is required, do so by
pressing F2 and selecting appropriate
code.
Account Pegged
If the agreement is for Fixed Rate, Y
If the agreement is for floating rate, N
Pegging Review Date
Leave Blank

Action
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11

F11
F11

183

Pegging Frequency

Leave Blank

F6

5.0.1.1.1.1.2Follow the undermentioned steps

4th Screen OAAC General Details


Cursor Position
Contact Phone No
Interest
Calculation
Freq Dr
Next Int.Calc.Date Dr
TDS Operative Account
Language Code
Name in Lang Code

Value To be typed
Enter the Phone No
Please do not change the default value

Action
F11
F11

Plese
leave
unchanged
Not Applicable
Leave Blank
Leave Blank

F11

the

default

value

F11
F11
F6

184

5.0.1.1.1.1.3Follow the undermentioned steps

5th Screen - OAAC


Cursor Position
Option Code
Credit File No
Review Level
Review Authority
Hold in Operative
Account for amount
due
Repayment Method
Repayment Currency
rate Code
Operative A/C No

Value To be typed
Enter S
Key in the file number of the client
Press F2, select from list by pressing Shift +F4
Press F2, select from list by pressing Shift +F4
If installment is recovered through operative
account, Y otherwise N

Action
F4
F11
F11
F11
F11

E This means in case of insufficient funds in


the operative account, installments would be
recovered to the extent of funds available
Leave Blank- Applicable for foreign currency
loans
Enter the account number from where interest
and instalments are recoverd. (If hold in
operative account is Y, this field must be
filled in)

F11
F11
F11

185

Related Deposit A/C Enter the deposit account number on which


No
there is no lien. If this deposit account is
closed, the system will generate exception
Ack of Debt Start
Default value would be L Do not change it
Debt
Enter the date of security documents or Latest
Acknowledgement
revival letter, whichever is latter.
date
Margin %
Enter the margin as per sanction
Repayment Period
Months / Days (Ex. 60 / 00
Priority Loan
Y for Priority and N for Non-priority
Transfer in A/C
N
Debit intt. To loan a/c L (interest shall be debited to loan account)
Valuation required
Leave blank

F11
F11
F11
F11
F11
F11
F11
F11
F6

5.0.1.1.1.1.4
5.0.1.1.1.1.5Follow the undermentioned steps

Screen-6 OAAC

In this screen, values are populated by default. User not to key in any details unless
otherwise required.
Press F4 for moving over to option code, there press V for going to Screen-7.

186

Follow the undermentioned steps

Screen 7 of OAAC Advance Details

Cursor
Position
Sector Code

Value To be typed

Press F2,
Shift + F4.
Sub Sector Code Press F2,
Shift + F4.
Occupation
Press F2,
Code
Shift + F4.
Borrower
Press F2,
Category
Shift + F4.
Purpose
of Press F2,
Advance
Shift + F4.
Mode
of Press F2,
advance
Shift + F4.
Type of advance Press F2,
Shift + F4.
Nature
of Press F2,
advance
Shift + F4.
Guarantee
Press F2,
Cover Code
Shift + F4.
Option Code
H

Action

select appropriate code by pressing

F11

select appropriate code by pressing

F11

select appropriate code by pressing

F11

select appropriate code by pressing

F11

select appropriate code by pressing

F11

select appropriate code by pressing

F11

select appropriate code by pressing

F11

select appropriate code by pressing

F11

select appropriate code by pressing

F4
F4

187

5.0.1.1.1.1.6Follow the undermentioned steps

Screen - 8 Limit History Details

188

Cursor
Position
Applicable Date

Value To be typed

This field would be blocked. No need to enter any


value
Limit
Level Enter N if the account has a single limit or more
Interest
than one limit with all the limits having same
interest rate. Otherwise, Y
Sanction limit
Enter Sanction Amount
Supercede
This would be blocked
Sanction Date
Enter date of Sanction
Expiry Date
Enter the date on which the account is supposed to
be fully repaid.
Penal
Interest Enter the grace period if any, after which penal
From
interest would be charged, in case the loan is not
repaid
Document Date
Enter date of documents
Review Date
Enter date When the account is due for review
Normal Interest
In case you select the limit level interest as Y,
this field would be available for modification. Here
enter the normal interest rate
Penal Interest
In case you select the limit level interest as Y,
mention the penal interest rate

Action
F11
F11
F11
F4
F11
F11
F11
F11
F11
F11
F11

189

Security
Description
Remarks
Sanction Level
Sanction
Authority
Sanction Ref

Say House / Flat / Car / etc

F11

Enter Remarks if any


Press F2, select by pressing shift + F4
Press F2, select by pressing shift + F4

F11
F11
F11

Enter the reference no. of CO / RO / Branch


sanction

F4

9th Screen OAAC Limit History Details

190

Cursor
Value To be typed
Position
Drawing Power D if derived from securities. Normally for
Indicator
secured EMI loans, share loans, loans against
FD, etc, it would be D
Drawing Power% Leave the default value of 0.0000 as it is
Limit Id
Leave Blank
DACC limit
Leave the default value as it is
Percentage
Leave the default value as it is
A/C Recalled
Enter N
Remarks
Enter remarks if any
Option Code

Action
F11
F11
F11
F11
F11
F11
F4, pause
and press
F4
F4

191

Follow the undermentioned steps

10th Screen OAAC Interest Details


Cursor
Position
10th Screen
Option Code

Value To be typed

Action

No changes to be made
D

F4
F4

5.0.1.1.1.1.7

192

5.0.1.1.1.1.8
5.0.1.1.1.1.9
5.0.1.1.1.1.10 Follow the undermentioned steps

11th Screen OAAC Disbursement Schedule


Cursor
Position
Flow Id
Date
Amount
Remarks
Delete
Flow ID

Option Code

Value To be typed

Action

Enter DSBMT( or, press F2, select by pressing shift


+ F4)
Enter the Date on which disbursal would be made
Enter the Amount to be disbursed. If there are
more than one disbursals on same or different
dates, it can be stipulated here.
Enter the disbursal purpose for ex: registration
charges / cost of land / etc
In case there would be only one disbursal, Press F4.
Otherwise, Press Control + Down Arrow
Repeat the above steps, mention details of second
disbursal, 3rd disbursal.. last disbursal etc

F11

E repayment schedule

F11
F11
F11

F4
when
remark
s
are
filled
in.
F4

193

Follow the undermentioned steps

12th Screen OAAC Repayment Schedule


Cursor
Position
Flow ID
Start Date
No
Frequency
Amount
Delete
Option Code

Value To be typed

Action

Enter PRDEM (or press F2, select by pressing Shift


+ F4)
Date on which first installment would fall due
No of installments
M/ / /10/N
In case of EMI, do not enter any value. This would
be calculated by the system
Press F4
Nil

F11
F11
F11
F11
F11
F10

194

Following Screen Would Pop Up. It would show the account Number In The
Message Box

Account Number of the account being opened will be generated (Example


001675100000019)

195

Flow Chart For OD Against FD

Open FD A/C
if it does not
exist(OAAC)

Open A OD
Account
(OAAC)

Link the OD account to


FD in SRM (SRM)
(SRM)

OD
account
derives
Drawing
Power.

Issue
Cheque
Book
(ICHM)

Transaction
Posting
( TM )

Closure of
the OD
Account
(CAAC)

196

OVERDRAFT AGAINST FIXED DEPOSITS


Prerequisites
Fixed Deposits should have been created and the transaction passed through TM.
How to Open a Overdraft Against Fixed Deposit A/c
Follow the undermentioned steps:-

OAAC Screen 1 General Details


Cursor Position
Function
Customer ID
Currency Code
GL Subhead Code
Scheme Code
Permanent A/C No
Copy A/C No.
Option Code

Value To be typed
Enter O (Not Zero)
Enter the ID of the customer for whom
the account is being opened
Enter INR
Enter the GL Sub Head Code
Enter the scheme code
Leave the field blank
Leave the field blank
Enter G

Action
F11
F11
F11
F11
F11
F11
F11
F4

197

Follow the undermentioned steps:-

Screen OAAC (General Details)


Account Name, Account Short Name, Account Open Date, Account Report Code,
Collect Charges, Turnover Details, Relative to Staff and Exception Details will be
populated by default. Do not change them unless otherwise required.

STEPS ON NEXT PAGE

198

Cursor Position
Acct Name

Value To be typed
Do not change the default value unless
required
Acct Short Name
Do not change the default value unless
required
A/C Open Date
By default, it will be BOD. Change if
necessary. This can be prior to BOD but not
later than BOD
Special Charge Code Mention the code of special charges if any
are given to the customer
Mode of operation
Press F2, select appropriate mode by
pressing shift + F4
Location Code
Press F2, select appropriate mode by
pressing shift + F4
Account Mgr
Press F2, select appropriate mode by
pressing shift + F4
Cash exception Limit Change the default value if needed.
(Dr)
Clg Exception Limit Change the default value if needed.
(Dr)
Xfer Exception Limit Change the default value if needed.
(Dr)
Account
Report Appears by default. Do not change the value
Code
Collect charges
Enter Y
Turnover Details
Enter N
Related to staff
Y if related to staff, N if not related
Staff Id
Press F2, select Employee by pressing shift
+ F4

Action
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F6

199

Follow the undermentioned steps:-

Screen OAAC General Details


Cursor Position
Pass book /Statement
Frequency
of
statement
Despatch Mode

Value To be typed
Enter S for statement or P for pass book
Enter M/ blank /blank /2/N

Enter Q for courier, P for Post, C for


collection, S for special delivery
Local Calendar
Enter N
Next Print Date
Enter DD / MM / YY. (Normally it would
be 2nd of next month)
Customer Preferential Preferential if any exists, would be
(Dr)
default populated
Account
Preferential Preferential if any approved
(Dr)
Interest Rate Code
The code shall be appearing by default.
If any change is required, do so by
pressing F2 and selecting by
pressing shift +F4.
Account Pegged
If the agreement is for Fixed Rate, enter
Y
If the agreement is for floating rate,
enter N

Action
F11
F11
F11
F11
F11
F11
F11
F11

F11

200

Pegging Review
Pegging Frequency

Leave Blank
Leave Blank

F11
F6

Follow the undermentioned steps:-

4th Screen OAAC General Details


Cursor Position
Contact Phone No

Value To be typed
There will be a default value. Check it
with the documents.
Interest calc.freq cr
Leave blank
Next Int calc. Date cr
Leave blank
Interest
Calculation Leave blank. Interest shall be calculated
Freq Dr
through a batch job
Next Int.Calc.Date Dr
Leave it Blank
TDS Operative Account Leave Blank
Language
Leave Blank
Name in Lang Code
Leave Blank

Action
F11
F11
F11
F11
F11
F11
F11
F4

201

Follow the undermentioned steps:-

5th Screen - OAAC


Cursor Position
Value to be typed
Option Code
Change the value to S
Dr. Balance Limit
Enter the sanction amount
Max.Allowable Limit
Enter the sanction amount
Credit file no
Enter the credit file no
Debit Acknowledgement Enter the date of loan documents /
Date
revival letter, whichever is latter
ECGC Cover
Enter N
ECI premium Dr A/C
Leave Blank
Due Date
Leave Blank
Extd Due Date
Leave Blank
Tax Category
Default Value- N, leave it unchanged
With Holding Tax borne by Leave Blank
Cheque Allowed
Enter Y
Charge for cheque issued
Enter Y
Return Paid Cheque
Enter N
Paid Cheque Return Freq.
Leave Blank
Avail Nomination Facility
Enter N
Cursor moves over to next screen

Action
F4
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F6

202

Follow the undermentioned steps:-

Screen-6 OAAC

In this screen, values are populated by default. User not to key in any details unless
otherwise required.
Press F4 for moving over to option code, there press V for going to Screen7.

203

Follow the undermentioned steps:-

Screen 7 of OAAC Advance Details

204

Cursor
Position
Sector Code

Value To be typed

Press F2,
Shift + F4.
Sub Sector Code Press F2,
Shift + F4.
Occupation
Press F2,
Code
Shift + F4.
Borrower
Press F2,
Category
Shift + F4.
Purpose
of Press F2,
Advance
Shift + F4.
Mode
of Press F2,
advance
Shift + F4.
Type of advance Press F2,
Shift + F4.
Nature
of Press F2,
advance
Shift + F4.
Guarantee
Press F2,
Cover Code
Shift + F4.
Option Code
Enter H

Action

select appropriate code by pressing

F11

select appropriate code by pressing

F11

select appropriate code by pressing

F11

select appropriate code by pressing

F11

select appropriate code by pressing

F11

select appropriate code by pressing

F11

select appropriate code by pressing

F11

select appropriate code by pressing

F11

select appropriate code by pressing

F4
F4

205

Follow the undermentioned steps:-

Screen - 8 Limit History Details

Cursor
Position
Applicable Date
Limit
Level
Interest

Value To be typed

Date from which the limit would be effective


N if the account has a single limit or more than one
limit with all the limits having same interest rate.
Y if the account has slab rates of interest for
different limits
Sanction limit
Sanction Amount
Sanction Date
Date of Sanction ( DD.MM.YY)
Expiry Date
Enter the date on which the limit expires
Penal
Interest Mention the grace period if any after which the
From
penal interest would apply
Document Date
Enter the Date of documents (DD.MM.YY)
Review Date
Enter the Date of review (DD.MM.YY)

Action
F11
F11

F4
F11
F11
F11
F11
F11

206

Normal Interest
Penal Interest
Security
Description
Remarks
Sanction Level
Sanction
Authority
Sanction Ref

In case you select the limit level interest as Y,


mention the normal interest rate. If it is set as N,
this field would be blocked
In case you select the limit level interest as Y,
mention the penal interest rate
Say Fixed Deposit, etc.

F11

Enter Remarks if any


Press F2, select by pressing shift + F4
Press F2, select by pressing shift + F4

F11
F11
F11

Enter the reference no. of CO / RO / Branch


sanction

F4

F11
F11

207

Follow the undermentioned steps:-

9th Screen OAAC Limit History Details


Cursor
Position
Drawing Power
Indicator
Drawing Power%
Limit Id
DACC limit
A/C Recalled
Remarks
Option Code

Value To be typed

Action

Enter D to indicate that the limit is derived

F11

Leave the default value of 0.0000 as it is


Leave Blank
Leave the default value as it is
N
Enter remarks if any
N if availing nomination facilty, fill in the
details there.
If nominaction facility not availed, press
F4 and then F10
Account Number is allotted.

F11
F11
F11
F11
F4
F4
and
then F10

208

CASH CREDIT ACCOUNTS

1.1

Follow Under Mentioned Steps


Cursor Position
Value To be typed
Function
O (Not Zero)
Customer ID
Enter the ID of the customer for whom
the account is being opened
Currency Code
INR
GL Subhead Code
Enter the GL Sub Head Code
Scheme Code
Enter the scheme code
Permanent A/C No
Leave the field blank. In our Bank, A/C
No is system generated
Copy A/C No
Leave Blank
Option Code
Enter G
Cursor moves to screen 2

Action
F11
F11
F11
F11
F11
F11
F4
F4

209

1.2
NOTE: The name of the account, short name, account manager etc shall appear by
default in the screen even before you enter any detail. These details are populated
from the customer master (Customer ID). Do not change them unless otherwise
required.
STEPS ON NEXT PAGE

210

Follow Undermentioned Steps:Cursor Position


Acct Name

Value To be typed
Do not change the default value unless
required
Acct Short Name
Do not change the default value unless
required
A/C Open Date
By default, it will be BOD. Change if
necessary. This can be prior to BOD but not
later than BOD
Special Charge Code Mention the code of special charges if any
are given to the customer
Mode of operation
Press F2, select appropriate mode by
pressing shift + F4
Location Code
Press F2, select appropriate mode by
pressing shift + F4
Account Mgr
Press F2, select appropriate mode by
pressing shift + F4
Cash
Exception Change the default value if needed.
Limit (Dr)
Clg Exception Limit Change the default value if needed.
(Dr)
Xfer Exception Limit Change the default value if needed.
(Dr)
Account
Report Appears by default. Do not change the value
Code
Collect charges
Enter Y
Turnover Details
Enter N
Related to staff
Y if related to staff, N if not related
Staff Id
Press F2, select Employee by pressing shift
+ F4
Cursor moves to screen-3

Action
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F6

211

1.3 Follow Undermentioned Steps:Cursor Position


Value To be typed
Pass book /Statement Enter S for statement / P for pass book
Frequency
of Q/blank /blank /2/N
statement
Local Calendar
Enter N
Despatch Mode
Enter Q for courier, P for Post, C for
collection
Next Print Date
DD / MM / YY.
Download To PBF
Default Value- N. Do not change it
Pay interest
Enter N
Collect interest
Enter Y
Customer Preferential Enter Preferential if any approved
(Dr / Cr)
Account
Preferential Enter Preferential if any approved
(Dr / Cr)
Interest Cr A/C Flag
ENTER S
Interest Dr A/C Flag
Interest Rate Code

ENTER S

The code shall be appearing by default.


If any change is required, do so by
pressing F2 and selecting appropriate
code.
Account Pegged
If the agreement is for Fixed Rate, Y
If the agreement is for floating rate, N
Pegging Review Date
Leave Blank
Pegging Frequency
Leave Blank
Cursor moves to screen-4

Action
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11

F11
F11
F6

212

1.4 Cursor Position


Contact Phone No
Interest
Calculation
Freq Dr
Next Int.Calc.Date Dr

Value To be typed
Enter the Phone No
Please do not change the default value

Please
leave
unchanged
TDS Operative Account Not Applicable
Language Code
Leave Blank
Name in Language Leave Blank
Code
Cursor moves to screen 5

the

default

value

Action
F11
F11
F11
F11
F11
F6

213

1.5 Cursor Position


Value To Be typed
Option Code
Change the value to S
Dr. Balance Limit
Enter the sanction amount
Max.Allowable Limit
Enter the sanction amount
Credit file no
Enter the credit file no
Debit Acknowledgement Enter the date of loan documents /
Date
revival letter, whichever is latter
ECGC Cover
Enter N
ECI premium Dr A/C
Leave Blank
Due Date
Leave Blank
Extd Due Date
Leave Blank
Tax Category
Default Value- N, leave it unchanged
With Holding Tax borne by Leave Blank
Cheque Allowed
Enter Y
Charge for cheque issued
Enter Y
Return Paid Cheque
Enter N
Paid Cheque Return Freq.
Leave Blank
Avail Nomination Facility
Enter N
The cursor moves over to Screen No-6

Action
F4
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F6

214

1.6
Cursor Position
Customer/Account
Health
Code
Interest
Amount
(for
transferred accounts)
Cursor moves to screen 7
Option Code

Value To Be typed
Enter the valid value

Action
F11

Leave blank for all new accounts. In


case of transfer accounts, enter the
interest accrued

F4

Change the value to H for LIMIT


details

F4

215

1.7

216

Cursor
Position
Applicable Date

Value To be typed

This field would be blocked. No need to enter any


value
Limit
Level Enter N if the account has a single limit or more
Interest
than one limit with all the limits having same
interest rate. Otherwise, Y
Sanction limit
Enter Sanction Amount
Supercede
This would be blocked
Sanction Date
Enter date of Sanction
Expiry Date
Enter the date on which the account is supposed to
be fully repaid.
Penal
Interest Enter the grace period if any, after which penal
From
interest would be charged, in case the loan is not
repaid
Document Date
Enter date of documents
Review Date
Enter date When the account is due for review
Normal Interest
In case you select the limit level interest as Y,
this field would be available for modification. Here
enter the normal interest rate
Penal Interest
In case you select the limit level interest as Y,
mention the penal interest rate
Security
Say House / Flat / Car / etc
Description
Remarks
Enter Remarks if any
Sanction Level
Press F2, select by pressing shift + F4
Sanction
Press F2, select by pressing shift + F4
Authority
Sanction Ref
Enter the reference no. of CO / RO / Branch
sanction
The Cursor move over to screen -10

Action
F11
F11
F11
F4
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F4

217

1.8
Cursor
Value To be typed
Position
Drawing Power D if derived from securities. Normally for
Indicator
secured EMI loans, share loans, loans against
FD, etc, it would be D
Drawing Power% Leave the default value of 0.0000 as it is
Limit Id
Leave Blank
DACC limit
Leave the default value as it is
Percentage
Leave the default value as it is
A/C Recalled
Enter N
Remarks
Enter remarks if any
Option Code
Enter V

Action
F11
F11
F11
F11
F11
F11
F4
F4

218

1.9
Cursor
Position
Sector

Value To Be typed

Press F2,
Shift+F4
Sub Sector
Press F2,
Shift+F4
Occupation
Press F2,
Shift+F4
Borrower
Press F2,
Category
Shift+F4
Purpose
of Press F2,
Advance
Shift+F4
Mode Of Adv Press F2,
Shift+F4
Type
Of Press F2,
Advance
Shift+F4
Nature
Of Press F2,
Advance
Shift+F4
Guarantee
Press F2,

Select

appropriate

code

by pressing

Actio
n
TAB

Select

appropriate

code

by pressing

TAB

Select

appropriate

code

by pressing

TAB

Select

appropriate

code

by pressing

TAB

Select

appropriate

code

by pressing

TAB

Select

appropriate

code

by pressing

TAB

Select

appropriate

code

by pressing

TAB

Select

appropriate

code

by pressing

TAB

Select

appropriate

code

by pressing

F4

219

Cover Code
Shift+F4
Option Code
Enter H
The Cursor move over to screen -9

F4

220

1.10

221

Linking of the Loan Account to the SRM.


Enter SRM in the menu option and press Enter. Following screen pops up.
Follow the undermentioned steps:-

Security Register Maintenance has to be updated as defined in the Security Register


Module.

222

SECURITY REGISTER MAINTENANCE

Application
SRM is used for maintenance of security and drawing power allocation in
respect of all advance accounts where drawing power is derived from
securities.
FUNCTIONS
The Security Register Maintenance (SRM) has two important functions
(a) Maintenance of particulars of the securities submitted by a client and
(b)Allocation of drawing power to an account
(c)

Other utilities include :-

1. Stipulation of maximum drawings allowable against security to the


relative account.
2. Classification of the security as Primary / Collateral.
3. Maintenance of the Market Value, Repurchase Value, Face Value with
options to specify which is to be used, Margin to be retained, whether
additional details like Insurance, Charges, Income and Expenses are
required or not.
4. The system provides linkage to Interest Computation for computing
additional interest for non-submission of Stock.
5. If the security is a Deposit Account, a lien is marked on the account for
the value of the Advance Amount / Limit Sanctioned and the component
of available balance is updated appropriately.

223

FLOW CHART - SRM


In the ensuing paragraphs, steps involved are explained in detail.
Type SRM
in
the
Menu
Option and
enter

Select
Option-A
and
Add
Security
Details

1(start)
Commit
the record
by Pressing
F10

Verification
of
the
Record by Authorized
Person

Select
Option-C
and enter
Charge
Details

2
Select
Option-P and
enter
Inspection
Details

3
Select
Option
N
and enter
Insurance
Details

Account gets
Drawing Power

8 (END)

224

Adding Security Through SRM Option :Follow the undermentioned steps.

SRM-Screen- 1 for selecting function and account to be linked


Cursor Position
Menu Option
Function
Linkage Type

Value to be typed
Type SRM
Enter A i.e ADD
Enter
A
for
indicating that the
security
shall
be
linked to the account
Account No.
Enter A/C number,
which is to be linked
to the security
Cursor moves over to the screen no-2

Action
Press ENTER
F4
F4

F4

225

226

Follow the undermentioned steps

SRM- Screen- 2 for entering details of securities


Cursor
Value to be typed
Position
Enter Option
Type A
Security Code Press F2, Select by pressing Shift +F4

Action

Security
Group

F11

Security
Class
Ceiling Limit

Margin

Press F2 for viewing the list of security


groups. Select appropriate item by pressing
Shift + F4
Press F2 for viewing the types of security
classes and select appropriate class by
pressing Shift +F4
Enter the ceiling on the drawing power
against the security. In respect of Money
Equity, this amount shall be 60% of the
sanction limit.
The margin percent appears by default as

F4
F11

F11
F11

F11

227

Percent

Nature
Charge
Received
Date
Due Date

per scheme. If it needs to be amended, you


can do so (if you want to change the default
value, press control + f or delete the field
fully and enter fresh value)
of Press F2 and select appropriate item by F11
pressing Shift + F4.
Mention the date of receipt of the security
F11

Leave Blank. This is applicable only in case


of CC against stocks
Apply
Penal In case of limits secured by stocks/ bookIntt
debts enter Y, otherwise enter N
Remarks
Enter Remarks if Applicable (May be, we
can say, check for other securities to
indicate that this is not the lone security)
Dnm no
In case of loan Agst FD mention the FD
number
Frequency
Applicable to CC against STOCKS / BookDebts.
No. of units
Enter the no. of shares
Security
Enter the value in case of all securities
Value
except for Shares. For shares, the value
would be automatically calculated through
weekly uploads of NSE Rates
Prim / Colla
Enter P for primary / C for Collateral
Enter Option
Enter C
Cursor moves to screen 3

F11
F11
F11 twice

F11
F11
F4

F11
F4

228

229

Follow the undermentioned steps

SRM-

Screen- 3 for entering details of charge.

Cursor
Position
Enter Option
Charge
Amount
Date of Regn
Reg.Auth

Value to be typed

Type A
Enter the amount appearing in the loan
documents.
Enter the date of registration
Enter Name of Reg. Auth. Ex. Reg. Of
Comp, Sub-Registrar etc
Address
Mention address of the registrars
Charge Instmnt Enter mortgage deed / hypothecation
agreement / memorandum of pledge
etc.
Date of Filing / May be used in case of Companies,
Receipt etc.
where charge is filed with Registrar Of
Companies
Option
Type S
Cursor moves back to screen no-2

Action
F4
F11
F11
F11
F11
F11
F4
F4

230

231

Follow the undermentioned steps

SRM - Screen 4 details of insurance.


1) In the option code type N and press F4 for moving over to Screen-5.

232

Follow the undermentioned steps

SRM Screen 5 (Insurance details)


Cursor Position
Insurance Type

Value to be typed
Action
Press F2 list of types of insurance shall F11
be available. Select the appropriate
type by pressing shift + F4
Ref. Enter the Policy No.
F11

Insurance
No.
Company
Enter details of insurance Company, F4
Name & Addr. / policy amount etc
Goods
Insured/Policy
Amount

The cursor goes back to the screen no. 4. Now in the option field enter S and
press F4.
The cursor goes back to screen No.2.

233

Now enter P in the option field and press F4 for moving to screen no. 6.

234

Follow the undermentioned steps

SRM screen no-6 (Inspection details)


In the option code, type A and press F4. The cursor moves to inspection type
field. Press F2 and select appropriate item. Now press F11 for moving over to
next field. After entering details in all the fields, press F4. The cursor moves to
option code. Here type S and press F4 for going back to the screen no. 2. Now
press F10 for committing the record.

235

Verification of the SRM records:After committing the record, the security details have to be verified by
manager / a person authorized to do so. For verification, the function code is
V in the screen no.1. The verifier has to visit all the screens visited by the
maker of record, before committing verification.
DOS & DONTS SRM SCREEN
Dos
Always Enter 60% of Money Equity Loan as the Ceiling Limit in respect of
each and every Scrip.
Ensure that Margins appearing confirms to Sanction terms
In Insurance Details Screen, always give Name of Insurance Company
and the Expiry Date of the Insurance. This will help in finding out
policies getting time barred.
Always mention the number of Shares in the No of Units block.
Whenever, customer approaches for release of shares, make appropriate
changes before releasing the same.
Recover Charges through TM Option for substitution of security.
Donts

Never Change Share Price without proper Approval

Note

For Navigating between screens in SRM, always return to the Security


Details Screen first and thereafter return to any other screen. Whichever
screen you may be in, Press F4 for going to the Option Block and Type S
and Press F4 for going back to the Main Screen.
If there are more than one security for a single loan, you can Add one
after another by entering A in the Option Block of the Main Screen.

236

Term loans
Flow of screens for opening a Loan Account

1st Screen OAAC

Follow Under Mentioned Steps


Cursor Position
Function
Customer ID
Currency Code
GL Subhead Code
Scheme Code
Permanent A/C No
Copy A/C No
Option Code

Value To be typed
O (Not Zero)
Enter the ID of the customer for whom
the account is being opened
INR
Enter the GL Sub Head Code
Enter the scheme code
Leave the field blank. In our Bank, A/C
No is system generated
Leave Blank
Enter G

Action
F11
F11
F11
F11
F11
F11
F4
F4

237

2nd Screen OAAC (General Details)


Account Name, Account Short Name, Account Open Date, Account Report
Code, Collect Charges, Turnover Details, Relative to Staff and Exception
Details will be populated by default. Do not change them unless
otherwise required.
Steps involved are mentioned in the next page

238

Steps for the 2nd screen


Cursor Position
Acct Name

Value To be typed

Do not change the default value unless


required
Acct Short Name
Do not change the default value unless
required
A/C Open Date
By default, it will be BOD. Change if
necessary. This can be prior to BOD but not
later than BOD
Special Charge Code Mention the code of special charges if any
are given to the customer
Mode of operation
Press F2, select appropriate mode by
pressing shift + F4
Location Code
Press F2, select appropriate mode by
pressing shift + F4
Account Mgr
Press F2, select appropriate mode by
pressing shift + F4
Cash
Exception Change the default value if needed.
Limit (Dr)
Clg Exception Limit Change the default value if needed.
(Dr)
Xfer Exception Limit Change the default value if needed.
(Dr)
Account
Report Appears by default. Do not change the value
Code
Collect charges
Enter Y
Turnover Details
Enter N
Related to staff
Y if related to staff, N if not related
Staff Id
Press F2, select Employee by pressing shift
+ F4

Actio
n
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F6

239

3rd Screen OAAC General Details


Cursor Position
Pass book /Statement
Frequency
of
statement
Local Calendar
Despatch Mode

Value To be typed
Enter S for statement / P for pass book
Q/blank /blank /2/N

Enter N
Enter Q for courier, P for Post, C for
collection
Next Print Date
DD / MM / YY.
Pay interest
Enter N
Collect Interest
Enter Y
Customer Preferential Enter Preferential if any approved
(Dr / Cr)
Account
Preferential Enter Preferential if any approved
(Dr / Cr)
Interest Rate Code
The code shall be appearing by default.
If any change is required, do so by
pressing F2 and selecting appropriate
code.
Account Pegged
If the agreement is for Fixed Rate, Y
If the agreement is for floating rate, N
Pegging Review Date
Leave Blank

Action
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11

F11
F11

240

Pegging Frequency

Leave Blank

F6

4th Screen OAAC General Details


Cursor Position
Contact Phone No
Interest
Calculation
Freq Dr
Next Int.Calc.Date Dr
TDS Operative Account
Language Code
Name in Lang Code

Value To be typed
Enter the Phone No
Please do not change the default value

Action
F11
F11

Plese
leave
unchanged
Not Applicable
Leave Blank
Leave Blank

F11

the

default

value

F11
F11
F6

241

5th Screen OAAC


Steps for the 5th screen in the next page

242

Steps in the next page


Cursor Position
Option Code
Credit File No
Review Level
Review Authority
Hold in Operative
Account for amount
due
Repayment Method

Value To be typed
Enter S
Key in the file number of the client
Press F2, select from list by pressing Shift +F4
Press F2, select from list by pressing Shift +F4
If installment is recovered through operative
account, Y otherwise N

E This means in case of insufficient funds in


the operative account, installments would be
recovered to the extent of funds available
Repayment Currency Leave Blank- Applicable for foreign currency
rate Code
loans
Operative A/C No
Enter the account number from where interest
and instalments are recoverd. (If hold in
operative account is Y, this field must be
filled in)
Related Deposit A/C Enter the deposit account number on which
No
there is no lien. If this deposit account is
closed, the system will generate exception
Ack of Debt Start
Default value would be L Do not change it
Debt
Enter the date of security documents or Latest
Acknowledgement
revival letter, whichever is latter.
date
Margin %
Enter the margin as per sanction
Repayment Period
Months / Days (Ex. 60 / 00
Priority Loan
Y for Priority and N for Non-priority
Transfer in A/C
N
Debit intt. To loan a/c L (interest shall be debited to loan account)
Valuation required
Leave blank

243

Actio
n
F4
F11
F11
F11
F11
F11
F11
F11

F11
F11
F11
F11
F11
F11
F11
F11
F6

Screen-6 OAAC

In this screen, values are populated by default. User not to key


in any details unless otherwise required.
Press F4 for moving over to option code, there press I for going
to Screen-7.

244

7th

Screen OAAC Interest Details

Cursor
Position
10th Screen
Option Code

Value To be typed

Action

No changes to be made
H

F4
F4

245

Screen - 8 Limit History Details

Steps in the next Page

246

Cursor
Position
Applicable Date

Value To be typed

This field would be blocked. No need to enter any


value
Limit
Level Enter N if the account has a single limit or more
Interest
than one limit with all the limits having same
interest rate. Otherwise, Y
Sanction limit
Enter Sanction Amount
Supercede
This would be blocked
Sanction Date
Enter date of Sanction
Expiry Date
Enter the date on which the account is supposed to
be fully repaid.
Penal
Interest Enter the grace period if any, after which penal
From
interest would be charged, in case the loan is not
repaid
Document Date
Enter date of documents
Review Date
Enter date When the account is due for review
Normal Interest
In case you select the limit level interest as Y,
this field would be available for modification. Here
enter the normal interest rate
Penal Interest
In case you select the limit level interest as Y,
mention the penal interest rate
Security
Say House / Flat / Car / etc
Description
Remarks
Enter Remarks if any
Sanction Level
Press F2, select by pressing shift + F4
Sanction
Press F2, select by pressing shift + F4
Authority
Sanction Ref
Enter the reference no. of CO / RO / Branch
sanction

247

Actio
n
F11
F11
F11
F4
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F4

Screen No 9- Steps to be followed

Cursor
Value To be typed
Position
Drawing Power D if derived from securities. Normally for
Indicator
secured EMI loans, share loans, loans against
FD, etc, it would be D
Drawing Power% Leave the default value of 0.0000 as it is
Limit Id
Leave Blank
DACC limit
Leave the default value as it is
Percentage
Leave the default value as it is
A/C Recalled
Enter N
Remarks
Enter remarks if any

Option Code

248

Action
F11
F11
F11
F11
F11
F11
F4,
pause
and
press
F4
F4

Screen No- 10. Steps to be followed


Cursor
Position
Flow Id
Date
Amount
Remarks
Delete
Flow ID
Option Code

Value To be typed
Enter DSBMT( or, press F2, select by pressing shift
+ F4)
Enter the Date on which disbursal would be made
Enter the Amount to be disbursed. If there are
more than one disbursals on same or different
dates, it can be stipulated here.
Enter the disbursal purpose for ex: registration
charges / cost of land / etc
In case there would be only one disbursal, Press F4.
Otherwise, Press Control + Down Arrow
Repeat the above steps, mention details of second
disbursal, 3rd disbursal.. last disbursal etc
E repayment schedule

249

Actio
n
F11
F11
F11
F11

F4
F4

11th Screen OAAC Repayment Schedule


Cursor
Position
Flow ID
Start Date
No
Frequency
Amount
Delete
Option Code

Value To be typed

Action

Enter PRDEM (or press F2, select by pressing


Shift + F4)
Date on which first installment would fall due
No of installments
M/ / /10/N
In case of EMI, do not enter any value. This
would be calculated by the system
Press F4
Do not change the value here

F11

250

F11
F11
F11
F11
F10

Screen No 12 showing the account number

251

Regular NCD , MIBOR Bonds , Preference Shares


In Finacle we do not have a module investments. However, through some modifications,
some of the income generating features of these assets are captured in the set up. The
appropriate codes for these products are :CLNCD
CLMBR
CLPRS

NCD
Mibor Bonds
Pref Shares

Whereas both NCD and Mibor Bonds earn interest, in case of preference shares,
dividend replaces the interest. The income set up in Finacle is as under.
Particular
NCD

Mibor
Bonds

Interest Set Up
1. In the interest field, contractual rate to be mentioned
2. Interest shall not be debited to the account
3. On the calendar quarters, interest accrued is debited to
interest accrued and credited to interest receivable
4. Upon receipt of the interest, through TM, the above accounts
are to be adjusted.
While setting up the account, one Mibor Bond accunt and one OD
account are opened. Both these accounts shall carry the same interest rate
code.
The OD account has to be mentioned as the operative account in the
MIBOR bond account
Day- 1:upon execution of interest calculation, interest on the Bond is debited
to one office account. The OD account does not have any debit
balance and hence it wont get any debit for interest
Day- 2:demand satisfaction for the Bond is run. Upon executing this, the
interest for Day 1 is transferred from the Office Account to OD
account.
After transfer of the interest to OD account, the OD account gets into
debit balance.
Now interest for Day- 2 is run for both Bond and the OD account.
Similar to Day-1, interest on the Bond for day 2 is parked in the
Office Account. The interest on the Bond for day-1 lies in OD and on
Day-2, it earns interest again, thus accomplishing the purpose of daily
compounding

252

Day-3:- The steps at Day-2 are repeated in the same sequence


Day of maturity :In case the Bond remains unpaid, it would attract penal interest at
the rate of 2% over and above contracted rate.
CARE !
The OD account attached to the MIBOR Bond is a special accout
wherein cash transactions are prohibited and cheques cannot be
issued on this account.
Pref
Shares

Put / Call
Option
Subscriptio
n Date
Redemptio
n
Monitoring
of
Floor
Rate
For
MIBOR
Bonds

Please do not open customer accounts under this head.


These are treated as Zero Rate Loans.
As and when Dividend Is received, it is credited to the Dividend On Pref.
Shares Account directly through TM
Other Common Features
Match It With Account Review Date in the option H
May be stipulated in the disbursal schedule
Stipulate in the repayment schedule
This is not available. This has to be manually monitored

253

Lien
In Finacle, lien can be marked on a deposit account or on a OD Account for
securing another loan account. Lien can be marked through two options (a)
ALM menu or (b) SRM Menu. Upon marking the lien, the available balance in
an account gets reduced by the lien amount. The available balance is the
balance available for withdrawal and it is different from the book balance.
Book balance can be more than the available balance.
In the ensuing paragraphs we explain methodology for creation of lien
through SRM. For present, lien creation through ALM is not dealt with.
Marking lien through SRM:Please refer the SRM module of this book. If we take a deposit account as
security, we have to mention the deposit account number in the SRM. Upon
verification of the SRM, system creates lien on the Deposit to the extent of
the value of security mentioned in the SRM.
Lifting lien on the Deposit :In order to lift the lien, we have to go to SRM, make the value of security as
NIL. Upon verification of the SRM, the lien on the Deposit gets vacated.
Lien Inquiry :In the ACI menu, select T option for viewing lien details.
Precautions :Upon extension or renewal of the deposit account, lien does not get
carried forward. A fresh lien has to be created by modifying the lien
account number in the SRM.
Further following steps may be followed to avoid accidental payment of the
deposit even though lien is marked.
Specify the Loan A/c No : The User should specify the Loan Account
Number when any Loan Against the Fixed Deposit is being granted. This can
also be done through the ACM Mode.
Specify the Repayment A/c No : The User should specify the Loan Account
Number when any Loan Against the Fixed Deposit is being granted. This can
also be done through the ACM Mode.
Regularise Lien Amount on Maturity : Indicates whether on maturity date
the proceeds of the Fixed Deposit should be credited to the Loan / Overdraft
Account. If said Y the proceeds will be credited to the OD / Loan Account
whereas if the same is said as N the same will be renewed.

254

In the next few pages screens are given showing the fields where appropriate
account numbers and values may be given
OAAC FD Opening Scheme Details (1st Screen)

255

OAAC

FD

Opening

Scheme

Details

(2 nd

Screen)

Options available are :


- Through ALM : Key in the Lien Amount and the Lien
Reason. Press F10
- The same should be verified.
The above function can also be done through SRM through the Add Mode.
The Lien Account Details, Ceiling Limit and the Value of the Security should
be attached to the Loan.

256

The lien history can be seen from the ALM (H) history option which as
follows:

The indicators seen on the right side of the Lien Amount are as under:
M Marked Lien when Lien has been created
R Release of Lien when Lien has been released partly / fully
G General Modifications e.g. Changing of Expiry Date
Note
- Lien can also be marked in Clearing or in Flexi Fixed
Deposit (FFD Scheme) by way of carving lien marking
on the cheque or the amount of sweep in balance.
- The Lien Enquiry can be done through ACM
Screen T and through ALM. However, it should be
noted that if security is linked through SRM, the same
is seen in ALM only through the Inquiry Mode. Hence,
it is advisable that the User should always visit ACM
and find out the details.

257

ACCOUNT LIMIT HISTORY MAINTENANCE


Option: ACLHM
Sanction limits and drawing power can be allotted to an account at the time
of its opening in the option H. Subsequent to opening of the account, if
the limits or drawing power needs to be modified, the same has to be
effected through the option ACLHM. Some of the major features available in
this option are :1)
2)
3)
4)
5)
6)

Sanction can be given effect from a future date.


Date of expiry of the Sanction Limit can be mentioned.
Grace period after which Penal Interest to be charged can be defined.
In case of Limit Level Interest, rate of interest can be defined.
Inquiry of Sanction Limits / Drawing Power of an account
Cancellation / Modification of the Sanction Limits / Drawing Limit

This menu has a maker and checker concept. It has to be verified before
taking effect.
Modes Available And Functions
Mode
M

Functio
n
Modify

List

V
X
I

Verify.
Cancel
Inquire

Application
Modification of the particulars of sanction / drawing
power
Find out account of a customer based on short name /
Customer ID / Scheme Type / Scheme Code etc
Verification of sanction limit / drawing power
Cancellation of limit
Inquiry of limit

5.0.1.1.1.1.11
5.0.1.1.1.1.12 MODIFICATION OF SANCTION LIMITS

In the menu option type ACLHM and enter for going to the screen-1.
- The Status Field is applicable only for Inquire or List Mode
- In Modify Mode it should not be entered. In Verify and Cancel Mode
only Function and Account Number have to be specified

258

ACLHM Screen 1 selection of function.


Cursor Position
Function
A/C No.
Operation
Option

Value To Be Typed
Enter M for modification
Enter the account number for which the
sanction / drawing power is to be
amended
Enter S or D for choosing sanction limit
or drawing power
Enter A for granting additional limit and
M for modifying the existing limit.

Action
F4
F4
F4
F4

Cursor moves over to screen no.2


Note : The fields Applicable Date, Event and Status should not be entered if
you are in modification mode. These fields are applicable only for inquiry
mode.

259

ACLHM- Screen 2 ( Adding new limit to account)


Cursor Position
Applicable Date
Sanction limit
Limit level interest flag

Supercede Field
Sanction Date.

Security Description
Remarks Column
Sanction Level.

Value To Be Typed
Enter the date from which the limit is
sanctioned.
Enter the limit sanctioned
Enter N if interest rate to be charged is
same as that mentioned in the Account at
the time of opening.
Enter Y if interest on the limit is different
from what has been mentioned in the
account
Enter Y if the limits now sanctioned
supercede all the existing limits or N if
this is in addition to existing limits
Enter date of sanction, expiry of the limit,
period after which penal interest is to be
applied, date of documents, date of
review etc.
Describe the security in brief
Mention remarks as applicable
Press F2, select appropriate sanction level
by pressing Shift + F4

Action
F11
F11
F11

F4
F11

F11
F11
F11

260

Sanctioning Authority

Press F2, select appropriate authority by


pressing Shift + F4.
Sanction reference
Mention the reference no. of sanction
letter of Corporate Office
Cursor moves back to screen-1

F11
F4

Verification of sanction limits entered through the ACLHM option:In the Screen 1, in the function mode enter V, press F4. Cursor moves to
Account No. Key in the account number and press F4. Details of additions /
modifications pending for verification shall appear in the screen no-2. In the
option field, type V and press F4 for seeing the details. After satisfying that
the details are correct, press F4 and F10 for confirming verification.
Please Note : In the verification mode modification of any detail is not
possible. In case any detail is incorrect, then the same user who has created
the limits has to choose X for canceling the modification / addition.
The Other Options available to the User apart from the Add (A)
Option are :Mode
C
D
F
I
M
V
W
X

Function
Copy

Usage
Copying existing limit particulars to another limit. This
option can be used when the details of additional
limits are same as that of the existing limits.
Delete
If in any account limit has been erroneously entered, it
can be deleted
Component To see the break up of the limits available and
of
Available outstanding balance.
Balance
Inquire
To make an inquiry
Modify
To modify the existing sanction details
Verify
Verification of the limit details already entered
Withdraw
Withdrawal of sanction limit from the BOD date.
Withdrawal with effect from a future date is not
possible.
Cancel
For canceling any limit before verification is done

Allocation Of Drawing Power Through ACLHM


In the screen-1 above, type D instead of S and press F4.
The cursor moves to option field wherein, type A and press F4. The cursor
moves over to screen no. 3.

261

ACLHM- Screen-3 For Entering details of drawing power.


Cursor Position
Applicable date field
Drawing Power Indicator

Drawing Power %
Limit ID
Drawing Power

Value To Be Typed
Enter the date from which the DP would
be effective
Type D if DP is derived from securities.
Normally incase of secured retail loans it
is derived from securities.

Default value is 0.00. Leave it unchanged


Please Do Not Enter Any Value Here
Please Do not enter any value here. Upon
linking the account to Security, drawing
power will automatically be updated
DACC limit
Default value is 0.00. Leave it unchanged
Percentage
Default value is 0.00. Leave it unchanged
A/C recalled flag
Enter N (to indicate that the account is
not recalled)
Remarks column
Enter remarks if any
Cursor moves back to screen no-2. Now Press F10 for committing the

Action
F4
F11

F11
F11
F11
F11
F11
F11
F4
record

262

5.0.1.1.1.1.13 Verification of the Drawing Power Details

Drawing power added / modified has to be verified by a person other than the
one who has entered.
5.0.1.1.1.1.14 Flow Chart Of ACLHM

ACCOUNT LIMIT HISTORY MAINTENANCE (ACLHM)


Options available are M (Modify), L (List),
(Inquire), C(Copy), V(Verify)
Entry by Maker & Verification by Checker

SANCTION LIMIT
A Add
C Copy
D Delete
I Inquire
M Modify
V Verify
W Withdraw
X Cancel

DRAWING POWER
A Add
C Copy
F Components of
Bal
I Inquire
M Modify
V Verify

C - Cancel

263

Limit Nodes In Finacle.

While opening the accounts under Money Equity, Overdraft Against FD,
Money Home etc, we saw that the account derives drawing power from
the SRM. One important factor to note is that in SRM, we can link only
one account, repeat only one account to a security. While this is fairly
adequate to manage the limits in respect of retail assets, you may find
it deficient to serve certain important requirements such as
1. Managing two or more accounts with drawing power deriving
from the same security.
2. Interchangeability of limits among different accounts.
3. Monitoring the overall exposure to a single client / group of
clients.
4. Exposure to a select commodity / security.
Here comes a tool called Limit Node Maintenance which helps you to
build these requirements in the limit management
Limit Node Concepts.
Limit nodes are used to group accounts under one node to enable easy
monitoring and organization. A limit node can be linked to a security
for deriving drawing power. Distribution of overall group (group may be
a group of clients or a group of accounts) limits to individual members
(members may be accounts or clients) is possible through creation of
Parent Nodes and Child Node. It would be interesting to note that limits
of every child node can further be distributed to group of accounts or
clients. This is diagrammatically explained in the next page.
The diagram represents the limits sanctioned to a client with the
following conditions
Facility
Funded

Particular
s
Term
Loan
WCDL
CC
BP

2
3
4
Total Funded Facilities
Non-Funded 1
LC
2
BG

Limit(Rs.Lakhs Remarks
)
200
Total of 1 to 4 not to
exceed Rs 500 Lakhs & 2
to 4 not to exceed Rs.300
100
Lakhs
150
150
500
300
Total Non Funded not to
exceed Rs 500 lakhs
300
264

Total Non- Funded Facilities


Gross Exposure

500
900

Total of Funded and non


funded not to exceed Rs
900 Lakhs

265

Control Of Limits through Nodes


Parent Limit. (This is the
overall limit for the
individual client)

This limit has to be set as


equal to the sanction limit.

Non Fund Based


Rs.500 Lakhs.

Fund Based Rs
500 Lakhs. This
limit has to be set
as equal to the
sanction limit.

Term Loan
Rs200
Lakhs.
Derived
from
Securities

WCDL
100
Lakhs
(Set
Equal to
san)

Working
Capital
Rs.300
Lakhs
(equal

CCStocks/BD
150 Lakhs
(Set
Derived)

This limit has to


be set as equal
to the sanction

to

LCs
Rs300
Lakhs
Equal to
san limit

BGs
Rs300
Lakhs
Equal to
san limit

Bills
Purchased
Rs150
Lakhs
Set
Equal
to
San.

266

SRM

Some times it would be


difficult to judge how to pass
on DP to an account.

Account

Should the account be linked


to SRM directly ?

(Start)

Is it
stand
alone ?

Yes

Should the account be linked


to Limit Node first and the
Limit node linked to SRM

No
Whenever
these
doubts
arise, follow the flow chart
and decide how to link the
account

Limit Node

What is
the
nature of
the
multiple
accounts
There
are
multiple
limits
which
are
interrelated in terms of
any of the following
1. Common Security
2. Interchangeabilit
y

3. Ceiling on overall
limits

There are multiple limits


but
they
are
not
interrelated in terms of
any of the following
1. Common Security
2. Interchangeability
3. Ceiling on overall
limits

267

Procedure for setting up limit nodes.


In the menu box, type LNM and press enter for moving over to the following screen

Cursor
Position

Steps To Be Followed :Value to be typed

Function
Block

Limit ID

Description

In the first block indicate the last 8 digits of the account


number
In the second block select the suffix by pressing F2 first and
Shift +F4 on the appropriate item
Mention the name of Account to be related to the Limit Node

Currency
Code

Mention the currency code- Except for the Foreign Currency


Loans, this would be INR

A
c
t
i
o
n
T
a
b
F
4
T
a
b
T
a

268

Customer ID

Mention the customer ID of the account

Parent Limit
ID

Mention the Parent ID

b
T
a
b
T
a
b

269

Drawing
Power
Indicator

Drawing
Power %
DP margin
retained
Limit San /
Expiry Date
San. Level
Code
San
Authority
Single Tran
Remarks

Situation

DP is derived from a parent


DP is equal to the sanction.
Normally this is true for apex
limits which control overall
limits
DP is derived from independed
security
DP is manually maintained
This needs to be filled in only when the DP
indicator is P
Dont Enter any Value.

V
a
l
u
e
P
E

Tab

D
M
Tab
Tab

Mention the dates of sanction and expiry

Tab

Press F2, select by pressing Shift +F4

Tab

Press F2, select by pressing Shift +F4

Tab

If the limit is valid for a single transaction, Y


otherwise, N
Mention remarks if any

Tab
F10

Now the Limit Node has to be verified by appropriate authority for making it effective.
Case Study :Company Trainee No- has 2 interchangeable limits (a) CC Stocks
(b) WCDL. Other details are as under:Particulars
CC limit
WCDL Limit
Security
Margin
Covenants

Amount
Rs50 Lakhs
Rs 50 Lakhs
Stocks Rs 80 Lakhs
Book Debts-Rs90 Lakhs
Stocks 25%
Book-Debts 40%
Drawings against book debts not to
exceed Rs30 Lakhs
Total Funded Limit not to exceed Rs
80 Lakhs

You are required to set up the limits and test the accuracy of the set
up.

270

Temporary Over-Drafts When Created ?

Application
Interest

of

System Created
Single
Transaction
(IC)

Fall In value of
security.
System Created

Single
Transaction (DL)

If (a) OD / CC account
is
linked
to
FFD
account, and (b) on
the day of withdrawal
funds are insufficient,
TOD would be created.
On the date of expiry
of TOD, FFD would be
split up and TOD

While
Posting
Transactions,
if
funds
are
not
adequate, system
would create TOD
and
pass

OCCASSIONS
CREATING TOD

FOR

TOD
can
be
granted at the
time of execution
of
Standing
Instructions
/
Inward Clearing
(IN)

While recovering
loan instalmentsif
Operative A/C has
insufficient funds,
system
creates
TOD

While Posting
Back
Dated
Transaction
/
Reduction
in
limit
with
retrospective
effect (OC)

User can grant


the TOD through
option-TODM
(UG Type)

271

TEMPORARY OVERDRAFT

TOD is a credit decision and naturally, is normally conscious. Whenever


the user debits a loan account, Finacle checks for (a) Sanction Limit
(b) Drawing Power and allows the debit if the balance post debit would
be within Sanction Limit / Drawing Power whichever is lower. In case
the post debit balance would exceed the same, the system would warn
the user by throwing exception that funds are insufficient. Under
such circumstances, the user has to grant TOD and allow the debit. In
effect, the system provides a tool to avoid accidental and unintended
TOD in the hands of the authorizer.
It would be now appropriate to envisage that while running the batch
jobs such as application of interest, standing instructions etc, the
system could face with such situation. While running batch jobs, there
is no scope for the system to analyse case to case and grant TOD. This
calls for enabling the system to grant TOD upon the occurrence of
certain predefined events so that posting of system generated entries
such as interest calculation etc does not get stalled.
As the events for TOD in the diagram shows, there can be 5 occasions
for granting system generated TOD. However only the following two
system generated TODs and one User Generated TOD are enabled.
Type
IC
DL
UG

Event

Mode

Interest Calculation
Drop In Limit
Uger Generated

Single
Single
Single / Running / Adhoc

Examples of Mode
Mode
Single (S)

Running
Adhoc

How Operates
Applicable for specific Purpose and use once only
Ex-TOD Rs 5 Lakhs granted for period 01.01.01 to
10.01.01. Client utilizes it on 02.01.01 and on
03.01.01 remits Rs 2.50 Lakhs. Balance Rs 2.50
Lakhs cannot be used again
Allows the client to operate within the TOD for the
defined period
Allows the client to operate within the TOD for the
defined period

If both Running and Adhoc serves the same purpose, why both are
necessary?

272

The system counts the number of TODs in an account. In case the


cumulative number is higher than predefined number (which is 1 per
day at present), the system throws exception. All TODs under
Single and Running type are eligible for counting. However, Adhoc
is not included for this purpose.
The menu and the fields for creating user granted TOD is explained
below:-

In the menu option type TODM and press Enter . Above screen
comes up. Make entries as below now.
Cursor
Value to be typed
Action
Position
Function
M
F11
A/C No
Mention the account number for which F4 twice
TOD is being granted
Status
& Leave Blank
Event Type
Option
A
F4

273

Cursor
Position
Grant Date
TOD
Level
Intt
Advance
Amount
Expiry Date
Penalty Date
Advance
Type
Advance Cat
Normal Intt
Penal Intt
Permitted By
Remarks

Value to be typed

Action

Date of Sanction of the TOD


Change the value to N (If it is Y, rate of
intt for the TOD would be what is defined
here. If it is N, whatever is applicable
to regular limit)
Amount of TOD granted

F11
F11

Date on which the TOD expires


Date from which penalty has to be
applied
A for Adhoc, R for running and S for
single
C for Clean and N for secured
In case TOD level Flag is Y, mention the
normal interest rate for the TOD
In case the TOD level flag is Y, mention
the penal interest rate for the TOD
ID of the Sanctioning Authority
Mention the reasons for sanction of TOD

F11
F11

F4

F11
F11
F11
F11
F11
F4

274

Cursor goes back to the 1st screen. Now press F10 for committing the
record
Now the record has to be verified. The verifier has to invoke the same menu
TODM and opt for V- verify mode. Account details have to be entered and
upon pressing F4 the details of TOD would come up. In the Option Code Box,
do not enter any value and press F10 for committing. Following screen would
come up showing exceptions if any. Now press F4 for accepting the
exceptions

Change of status to regularized


This is a batch job executed at the time of EOD. All TODs which
expire on a date shall be marked as regularized / irregular
depending upon the status of repayment.
Further, if there are multiple overdrafts of different types, the recovery is
treated as for regularization of TOD due for regularization in the following
sequence.
i.
ii.
iii.
iv.

Due Date
Single Clean
Running Clean
Adhoc Clean

275

v. Single Secured
vi. Running Secured
vii. Adhoc Secured
Application of Interest:The system has a bias in favour of client Outstandings are covered
in the following sequence.
Priorit
y
1

Limit Type

Pref Within the Limit

Pref

Regular limits

Limits with Penalty


Rate Not ReachedLimits with penalty
rate not reached
Limits with account
level interest
Limits with limit level
interest, in ascending
oreder
of
normal
interest
Limits with account
level interest
Limits with limit level
interest, in ascending
order of normal +
penal interest

All
TODs,
whose penalty
dates are not
reached
All
TODs,
whose penalty
dates
are
reached

2
1
2

1
2

276

INTEREST CALCULATION FOR LOANS & ADVANCES


Interest Concepts
In Finacle, two types of interest rate codes are maintained. These are (a)
Base Interest Code and (b) Differential Interest Code. The differential interest
codes give the sum of base interest code and spread. Interest calculation is
always through the differential interest code.
How to identify the Base Interest Code and Differential Interest Code
?
While opening the account, in the field for interest, press F2. Following
screen giving List of interest codes available will come up

The last column Base Ind mentions the status of the code. If it is Y, it is a
base code. If it is N, it is a differential code.
Base Interest : This is a reference rate from which the ultimate rates
applicable to the account are derived. STPLR, LTPLR, WCPLR are all base
rates. Base rates should not be linked to any account

277

Differential Interest : This is a rate which is charged over and above the
Base Rate. Depending upon the type of account, amount, period, customer
etc. Interest codes are designed to indicate the final interest that would be
applied upon selecting the code. The following will explain :Table
Code
L100
L200
S100
S200
W100
W200

Rate Applicable to client


LTPLR + 100
LTPLR +200
STPLR +100
STPLR + 200
WCPLR + 100
WCPLR +200

These Interest Codes can be linked to the Account.


The Interest Table Codes linked to Prime Lending Rates are available for the
range PLR +0.00 to PLR + 4.00 Percent at incremental slabs of 0.25 Percent.
If any client has to be charged differential / spread which is not a multiple of
0.25 Percent, the same is to be defined through Account Preferential Interest.
Following example clarifies the position:
How
much
Interest
to
be
Applied
Interest Rate to be
applied
LTPLR + 200 Basis
Points
LTPLR + 210 Basis
Points
LTPLR + 220 Basis
Points

How to Mention it During Account Opening


(OAAC)
Interest Table Account
to be selected Preferential
L200
0

Net Interest

L200

0.10

LTPLR + 2.10%

L225

(-) 0.05

LTPLR + 2.20%

LTPLR + 2%

Flat Interest Rate : In case Flat Interest Rate is to be charged to any


account i.e. which is not fluctuating in nature (having no impact on changes
in PLR), the User has to select (by pressing F2) during Account Opening
(OAAC Screen for General Account Details Field Interest Rate Code) the
specified Interest Rate Code e.g. If Flat Interest Rate is 16.50%, the User has
to choose Interest Rate Code 16.50.
Flat interest rates are available for the range 5% to 20% at incremental rate
of 0.25%. i.e., 5.00%, 5.25%,5.50%, ..19.25%, 19.50%, 19.75% and
20.00%
Penal Interest Rate : Penal Interest has been loaded at the rate of 2% per
annum in all Interest Tables in case of Overdues / Excess Drawings and delay
in submission of Stock Statements.
Hence, Penal Interest will be
automatically applied.

278

Modification of interest after opening of account


Interest codes can be modified at the time of opening an account in the
option G. After opening of account, if interest is to be modified, it has to
be done through the option
These may be modified through Menu Option INTTM. In the menu option,
type INTTM and press enter. Following screen comes up.

Cursor Position

Function
A/C / Bill / Disb
A/C Number

Value to be entered

M (for modify)
A
Key in the A/C Number, for which
interest code would be changed
Interest Table Code
Press F2, select appropriate code
by pressing shift + F4
Customer
Enter the preferential if any
Preferential Dr)
approved
Account
/
Bill Account
preferential
if
any
Preferential
approved
Is intt pegged
Enter Y or N as required

Key
to
pressed
entering
value.
F11
F11
F4

be
after
the

F11
F11
F11
F11

279

Pegging Frequency
Start Date
No of days
End date

If Intt Pegged Is Y, this field has


to be filled in. Or else, leave it
blank
Give the Date from which the
new rate would take effect
Mention the no of days after
which penal intt would be
effective
Mention the date upto which the
code will be valid

F11
F11
F11
F10

Verification of INTTM
Any modification done in INTTM has to be verified by a person authorized
to do so. Unless verified, the modification will not be effective

280

INTEREST CALCULATION
Interest Calculation on Loans / Advances has been divided into the
following steps:
- Accrual
- Booking
- Interest Calculation
1. ACCRUAL OF INTEREST
- accrual is the process of incrementally calculating the
Interest for the Accounts
- there will be no accounting entries during accruals
- accrual for accounts can be done through ACACCR
- user to key in the Service Outlet, Report to, From
Account Number, To Account Number, From Date,
To Date and Dr / Cr Interest as D. Thereafter he
has press F4. A small Print Menu Option will pop-up.
User has to key in Foreground/Background as F,
Print Required as Y/N, thereafter he has to press F10,
which will generate a report.
ACACCR Screen

Accrual would be helpful if you want to advise a customer how


much interest he has to pay for closing the account.

281

2.

BOOKING OF INTEREST
- booking is the process of recognizing the interest
liability as on a particular date
- Transactions passed will be
Dr
Interest Receivable A/c
Cr
Profit & Loss A/c (Interest Received A/c)
- booking for the accounts is done through ACBOOK
- when the user invokes booking, system will accrue the
interest till the date requested, get the interest
accrued figure since the last booking done and
generate booking transaction
- booking can be done even without doing the accrual
- in booking menu we can either book the Interest as on
any date to arrive at the actual profit and loss position
but not account the same. In order to achieve this, the
user has to indicate a value for the field Booking for
Reversal as Y
- user has key in the Service Outlet, Report to, From
Account Number, To Account Number, From Date,
To Date and Dr / Cr Interest as D. Thereafter he
has press F4. A small Print Menu Option will pop-up.
User has to key in Foreground/Background as F,
Print Required as Y/N, thereafter he has to press F10
which will generate a report.
ACBOOK Screen

282

283

3. COLLECTION OF INTEREST
actual process of interest collection from the Customer
ACINT is the menu for calculating Interest for all
customer accounts
- The transaction generated during ACINT is:
(a) If ACBOOK has been executed for the account:Dr
Loan A/c
Cr
Interest Receivable A/c
(b) If ACBOOK has not been executed for the account:Dr
Loan A/C
Cr
P/L Interest
- Interest calculation can be done in Adhoc mode or in
actual mode
- User to key in the Service Outlet, Report to, From
Account Number, To Account Number, From Date,
To Date and Dr / Cr Interest as D. Thereafter he
has press F4. A small Print Menu Option will pop-up.
User has to key in Foreground/Background as F,
Print Required as Y/N, thereafter he has to press F10
which will generate a report.
-

ACINT Screen

284

CLOSURE OF ACCOUNT
Menu Option CAAC
Before Closing an Account, see whether :
-

Interest Calculation has been run upto date, if not run the
Interest Calculation from the same screen
Posting of Transactions from the same screen
Standing Instructions to invoke the Standing Instructions. If
Standing Instructions exist and there is no Balance in the
Account, Supervisor has to approve to delete the Standing
Instructions.
Charges not Recovered (CACC) see whether any charges are
not recovered from the account CACC screen gives the list of
unrecovered charges. If not recover the same and proceed to
close the account.

Approval of Closure through CAACAU.

285

Useful Menu At A Glance


Menu
Option
Screen
Name
CUMI
Option A

Screen Description

Customer Account List

ACS

Account Selection & List

ACI

Customer Account Inquiry

ACLI

Account Ledger Inquiry

ATI

Account Turnover Inquiry

AITINQ

Account Interest Details Inquiry

SRM

Security register maintenance

SRL

List of securities attached to


account
Dates of Inspection
Dates of Insurance
List of accounts attached to a
parent node
Limit Node Maintenance

LTL
LNM
ACLHM
OAAC
OAACAU
INTTM
TODM
REPHSEI
LAOPI
LARSH
LAGI
TODRP
LLIR
CAAC

Used For

&
Displays
all
Accounts of the
Customer
Displays
all
Accounts
of
Customer
with
corresponding Bal.
Displays
Static
Data of Account
Displays
Account
Statement
Displays
Account
Turnover
Displays
Interest
Details of Account
Addition,
modification,
deletion of security

Addition
Modification
LNM

/
of

Modification of sanction limits /


drawing power
Opening of account
Verification
/ modification of
account
Interest
rate
enquiry
and
modification
TOD maintenance
Rephasement
of
EMI
loan
accounts
Overdue Position Enquiry
Repayment Report
Loan Account General Inquiry
TOD Report
Limit Liability Inquiry
Closure of Account

286

CAACAU
LAFM
LAFHM
LAMCM
LADSP
CUIR

Verification of closed account


Loan Flow Maintenance
Loans
Follow
up
History
maintenance
Loans Message Maintenance
Loan
Demand
Satisfaction
Programme
Customer Interest Report

CASE STUDY FOR EMI LOAN


CASE: 1
Mr.S.Ramesh, has been sanctioned a loan of Rs.2.00 lacs as housing loan.
Guarantor for this loan is Mrs.Geetha Ramesh.
Scheme : RLOHE Retail loan Housing Up to Rs.10.00 lacs.
You are required to DO the following,

Open a Client Id for Mr.S.Ramesh as per the details given below.

Please open a savings bank a/c for the above customer and note down
the a/c which a/c should be mentioned at the Housing Loan for
repayment of the loan.

In the savings bank a/c give nominee also. (Mrs.Geetha Ramesh is the
Nominee for the savings Bank

Open a housing loan for Mr.Ramesh and find out the EMI.

Please note that you are required to use your name instead of
Mr. S Ramesh (Principal Borrower) and create the loan a/c
accordingly.

Client Details for Mr.S.Ramesh are given below,


Name of the customer
Address
Phone No

(Res)
Off

EMAIL
Passport No
Issue Place
Valid Upto
Credit Card No
Financial Details
Salary Income

: Mr.Ramesh.S (Principal Borrower)


: No.160, Jothi Paradise
Andheri East
Mumbai- 4000069
: 8309448
: 8561452
: s_ramesh@yahoo.com
: PAS8523
: Mumbai
: 31.05.2005
: 4129 0473 8006 8726, Issued by SCB
:
: Rs.6.00 lacs ( As per Form 16 )

287

Property Asset
: Rs.20.00 lacs
Investment in shares
: Rs.2.00 lacs
In LIC Policies
: Rs.1.50 lacs
Bank Deposits
: Rs.0.50 lacs
Other Liabilities
:
Share Loan from Stanchart
: Rs. 1.00 lac
Net Worth of the customer
: Rs. 29.00 lacs
Name of the Guarantor
: Mrs.Geetha Ramesh
Address
: No.160, Jothi Paradise
Andheri East
Mumbai- 4000069.
Phone No
Res
: 8309448
Off
: 8529561
Passport Number
: PAS8571
Issue Place
: Mumbai
Valid Upto
: 31.05.2005
Credit Card No
: 4129 0473 8006 8726 , Issued by SCB
Financial Details
:
Salary Income
Investment in shares
In LIC Policies
Bank Deposits
Other Liabilities
Networth

: Rs.2.00 lacs ( As per Form 16 )


: Rs.1.00 lacs
: Rs.0.50 lacs
: Rs.0.50 lacs
: Nil
: Rs.4.00 lacs

Please note that there is no customer preferential interest for the


above customer
1.
2.
3.
4.
5.

Loan A/C Details :


Account Relation Manager
: Mr.S.Subash.
Pass Sheet to be given every quarter.
Credit File Number
: 123
Review Level
: Branch
Operative A/C number
: Savings A/C number of the
customer

Loan Amount Sanctioned


Sanction Date
Expiry Date
Document Date
Review Date
Sanction Level
Sanction Authority
Sanction Reference
Rate of Interest

:
:
:
:
:
:

Rs.2.00 Lacs
13.05.2000
13.05.2015
13.05.2000
13.05.2005
Branch
: Branch Head
: HLA/15/2000-2001
: 13.35 % pa

Loan Disbursement Details : Loan to be disbursed on 13.05.2000


(Please note that assumption has been made that for this date BOD has
been run in the system).

288

Disbursement to be made by issuing a payorder in Favour of HUDCO.


Repayment Details : Loan is repayable in 15 YEARS.
Processing Charges : Please debit processing charges of 0.50 % of the
loan amount to the loan a/c.
Please create the above loan a/c and generate repayment schedule report for the
same.
Case Study For OD against Fixed Deposit
Case : 2
Mr.S.Ramesh , has placed a Fixed Deposit of Rs.1.00 lac for period of ONE
YEAR with our bank. Now he has approached the Bank for sanction of a
overdraft of against this Fixed Deposit to the tune of Rs.0.80 lac. You are
required to do the following,

Open a Fixed Deposit for Rs.1.00 lac for a period of one year with the
following details:
Rate of Interest : 10.25 % pa
Nominee
: Geetha Ramesh
Scheme
: RTCMC
At the time of maturity of the deposit matured amount to be credited
to the OD against FD a/c to be created.

Open an Over Draft a/c with the following details,


Scheme
:
Sanctioned Limit :
Sanction Date
:
Expiry Date
:
Review Date
:
Sanction Level
:
Sanction Authority :
Sanction Reference
Rate Of Interest
:

RLODT
Rs.80,000.00
13.05.2000
13.05.2001
12.05.2001
Branch
Branch Head
: ODFD/18/2000-2001
12.25 % pa

Pass sheet to be issued every month.


Interest to be debited to the loan a/c itself.

Link the deposit a/c opened to the OD a/c created and fix the drawing
power for the OD a/c.

Please generate a report of the Security Register pertaining to the above


OD a/c.

289

CASE STUDY FOR Money Equity


CASE -3:
Mr.S.Ramesh, has been sanctioned a loan of Rs.20.00 lacs under the Money
Equity Scheme. He submits to you following equity shares.
Company Name
ABB Equity
HCL infosystem
HDFC Eq

Security Code
IA01
IH01
IH03

Quantity
5000
6000
2500

(Scheme : RLSHL )
You are required to DO the following,
Open Money Equity A/C in the name of Mr. Ramesh (You may use your
name instead of Ramesh)
Enter the security details in the SRM and link to the account.
Find out the drawing power of the account. Is it equal to the Sanction limit
? If it is less than sanction limit, why is it less?
Sanction Terms:Margins stipulated : 35% on each of the security
Your Bank allows a maximum of Rs.6,00,000 against each equity share.
Other Details:1. Account Relation Manager: Mr.S.Subash.
2. Pass Sheet to be given every quarter.
3. Credit File Number
: 123
4. Review Level
: Branch
5. Loan Amount Sanctioned : Rs.20.00 Lacs
6. Sanction Date
: 13.05.2000
7. Expiry Date
: 13.05.2001
8. Document Date
: 13.05.2000
9. Review Date
: 12.05.2001
10.Sanction Level
: Branch
11.Sanction Authority
: Branch Head
12.Sanction Reference
: HLA/15/2000-2001
13.Rate of Interest
: LTPLR +400
Case 4 :-

The above Money Equity Borrower substitutes the entire ABB equity
with 1000 Ranbaxy Shares (Security code :IR01). Make necessary
changes in SRM and find out the revised Drawing Power.

290

Case 5:One Mr Doubtful created a FD account and OD against FD. While going for creating of lien in
SRM, Mr Doubtful mentioned the OD account Number in the field for lien account number. Now
you are required to advise Mr. Doubtful if the OD account holder can withdraw any amount. If
not, the reasons for it and suggest the corrective steps.
Case 6 :While opening a OD account, in the limit details one Ms. Experiment entered the following
details.
Max Debit Balance
Max Allowable
Limit Sanctioned
Drawing Power Indicator
SRM
Margin
Ceiling

:
:

:
Rs.100000
:
Rs. 90000
:
Rs. 75000
:
D
:
Value of security
Rs.100000
20%
Rs75000.

Subsequently, the OD limit was to be enhanced to Rs 85000. Ms. Experiment made following
changes:Limit Sanctioned
:
Rs 85000
After carrying the changes, Ms. Experiment found that the OD account allows drawings of Rs
75000/- only. Can you explain her why the situation is so and suggest the steps to be taken.
Case - 7:Rephasement of Term Loan Case
ABC was disbursed a loan of Rs.8,00,000 under Money Drive. The details are
given below:Loan Amount Sanctioned
:
Rs8,00,000.
ROI
:
12% pa
Repayment
:
36 EMI commencing one month
After disbursal
Repayment
:
By client directly
The statement of account shows following transactions.
Date
Particulars
Dr
Cr
Balance
01.10.1999
Disbursement 800000
-800000
10.10.1999
Interest
2500
-802500
10-11-1999
Installment
20000
-782500
10-11-1999
Interest
2500
-785000
10-12-1999
Interest
2700
-787700
08-01-2000
Installment
7700
-780000
10-01-2000
Interest
3000
-783000
01-02-2000
Installment
10000
-773000
10-02-2000
Interest
3000
-776000

291

10-03-2000
08-03-2000

Interest
Installment

3100
4100

-779100
-775000

You are required to


1.
2.
3.
4.

Open the account under RLMDL as of 01-03-1999


Upload the above entries using option LAUPLDMD
Find out the overdue amount using option LAOPI
Rephase the account using option REPHASEI.

Guidelines for the exercise:Option


Remarks.
Opening the
1. In the Option G, mention the date of Opening as 01account
03-1999.
2. In the Option S, mention Transfer In as Y
3. In the option U, mention Rs.778000 as the transfer
liability
Uploading the
In Finacle, there is provision to upload individual
transactions
transactions right from the date of opening an account.
The upload is through option TM
After posting the first transaction, LAUPLDMD has to be
run.
Every transaction in the clients account has to be
replicated as a transfer transaction.

Rephasement

The contra account for the transaction in live situation


would be the account which is being transferred / an
office account. In the instant case, you may take the
operative account of the client as contra account.
In Finacle there is option to rephase in the following
manner:1. Increase the repayment period, keeping the
installment amount constant
2. Keep the installment amount constant and
increase the repayment period.
Before rephrasing an account, it is essential to update
the interest.

Case 8
A Company ABC Ltd has a FD of Rs 200 Lakhs. The tenor is 2 years.
The Company wants two different Overdrafts - one for its Purchases
Dept and another for its Premises Department. The Company
requests you to permit each of the department to avail upto Rs 100
Lakhs, total limit not to exceed Rs 160 Lakhs. You would like to
sanction the OD. Now you are required to set up two accounts, post
transactions to utilize both the limits to the maximum.

292

Hints :
Set Up Parent limit node for Rs 200 Lakhs Child to derive 50% each
- Link Limit node to SRM.
Case 9
Mr. Genuine is your both valuable and reasonable client. The client
enjoys OD of Rs 20 Lakhs against FD of Rs 25 Lakhs. On the date of
maturity of the FD, he approaches you and requests you to renew
both FD and OD. You are inclined to accommodate his request. In the
Present set up upon renewal of a FD, the amount first of all goes to
OD account. Suggest the steps you have to follow for arranging the
renewal of the FD and OD.
Case 10
M/s Indiscipline Unlimited enjoys Term Loan of Rs 100 Lakhs with
you. It was to create mortgage on its property on 01.10.1999, but
failed to do so. The Co explained you that the NOC from Consortium
Leader is pending. On 01.12.1999 you decided to take the following
course of action:1. If Mortgage not created by 15-12-2000, apply penal interest of
1%
2. If Mortgage not created by 15-01-2000, apply penal interest of
2%
How would you set up the penal rates?
Case 11
M/S Unplanned Limited enjoys CC limit of Rs.50 Lakhs with you. The
limits are secured by stocks at 30% margin. For the month of April
2000, it submitted a statement showing net paid stocks of Rs 75
Lakhs. On 15th April 2000 the Company approached you with a
request to grant TOD of Rs 10 Lakhs for payment of sales tax. You
agreed to accommodate the TOD for 30 days, since the absolute
value of stocks cover the drawings. Mr Quicky completed the
formalities of setting up the TOD. In the TOD option, he described
the TOD as secured and adhoc.
The Companys cheque for Rs10 Lakhs was received on 17 th April
2000 and the Counter Staff informed you that the account shows a
debit balance of Rs50 Lakhs against a drawing power of Rs. 52.50
Lakhs and hence the sales tax cheque cannot be passed.
You are required to find out why the Drawing
increased even after sanction of TOD.

Power has not

293

Case -12
The Credit In Charge of your Branch went on leave unexpectedly.
Just two days after You took charge, you receive instructions to
confirm that all the insurance of all the securities are in full force.
Is there any way to find out
the status from the Finacle Software ?
Case-13:M/S Idle Limited enjoys the following limits:Cash Credit Against Stocks :Margin
Maximum
Limit
Raw
25%
50 Lakhs
Material
Stock
In 60%
25 Lakhs
Process
Finished
25%
75 Lakhs
Goods
Total
125 Lakhs
How would you set up the limit.
Case 14:M/S Liberal Limited enjoys limit against book-debts of Rs.100 Lakhs
on the following lines:Particulars
Bood Debts
Upto
90
days
91-120
Days
121-150
Days
Total

Margin
25%

Maximum
100 Lakhs

40%

50 Lakhs

60%

10 Lakhs
100 Lakhs

How would you set up the limit?

294

295

1. Structure of Accounts
2. Scheme codes of Suvidha
3. Events Leading To Transactions To Office Accounts
4. Event Wise Transactions Passed In Finacle By System And User
5. Office accounts for Scheme Codes
6. Event Wise Vouchers To Be Passed In Cad
7. Reports that can be generated by Users in Finacle
8. Daily Routine To Be Followed By The User
9. Batch Jobs Performed By System
10. Suvidha Fixed Deposited Migrated From Informix
11. How to configure Finalce to PC

296

1.0

Structure of Accounts (Suvidha) in Finacle

1.1 Scheme Codes


Field
IT123
IT
1

Purpose
Scheme Code

Value

Meaning

IT
IDBI Term Deposit
C
Client
S
Staff
I
Inter bank
B
Bulk
Z
Senior citizen
2
Tenure of the deposit
S
for Short Term
M
for Mid Term
L
for Long Term
3
Interest Method
S#
Simple
C@
Compounding
M
Monthly Payout
Q
Quarterly Payout
A
Annual payout
# All Schemes ending with S under Short Term are upto 179 days
@ All Schemes ending with C under Short Term are 6 months and less than 1
year.
Category

All accounts in Finacle are grouped as under:


All accounts are linked through GL codes such as
10 (Deposit Customers),
32 (Other Liabilities Interest Accrued)
81 (Interest Expenses Term Deposit)
which are sub-divided tenure wise under GL Subheads.
Field
Value
Office Account
XXXABCDEFGHIJK
XXX
401 417
ABCDE
GL sub head code
31100
32225
32325
32425
34600

14 digits
SOL No
# Inter Office Adjustment Branch A/c
# Interest Booked on Short Term
# Interest Booked on Mid Term
# Interest Booked on Long Term
TDS Due Account
A/c no
Description

297

XXX34600010001
TDS Due A/c
37000
Suspense account
A/c no
Description
XXX37000010015
FD suspense A/c
XXX37000010025
TDS parking A/c
XXX37000010027
Sundry deposit A/c
50500
Cash Account - Not available for use
75600
Advance Tax
81125
# Interest Expenses Short Term
81225
# Interest Expenses Mid Term
81325
# Interest Expenses Long Term
FG
01
Currency - Indian Rupee
HIJK
Running Serial No for each scheme code
Note #. System only Account User can not pass any transaction to this
account.
Go to ACLI menu, Press F2 to see the selection criteria and see all the values
and the meaning through List available for various fields.
Field
Value
Customer Account
XXXABCDEFGHIJKL
XXX
401 417
GL sub head code
ABCDE
10525
10625
10725
FGHIJK
L

15 digits
SOL No
Short Term
Medium Term
Long Term
Serial Number
Check digit generated by system

298

SCHEME CODES
A. SHORT TERM SUVIDHA DEPOSITS ( LESS THAN 1 YEAR)
A.1: CLIENT ( Utpo 1 Crore)
Sl.
Scheme
Description
No Code
01
ITCSS
IDBI SUVIDHA CLIENT SHORT TERM SIMPLE INTT
02
ITCSC
IDBI SUVIDHA CLIENT SHORT TERM COMPOUND INTT
A.2: BULK ( Above 1 Crore )
Sl.
Scheme
Description
No Code
03
ITBSS
IDBI SUVIDHA BULK SHORT TERM SIMPLE INTT
04
ITBSC
IDBI SUVIDHA BULK SHORT TERM COMPOUND INTT
A.3: INTER BANK ( Utpo 1 Crore)
Sl.
Scheme
Description
No Code
ITISS
IDBI SUVIDHA INTER BANK SHORT TERM SIMPLE INTT
05
06
ITISC
IDBI SUVIDHA INTER BANK SHORT TERM COMPOUND
INTT
A.4: STAFF ( Utpo 1 Crore)
Sl.
Scheme
Description
No Code
07
ITSSS
IDBI SUVIDHA STAFF SHORT TERM SIMPLE INTT
08
ITSSC
IDBI SUVIDHA STAFF SHORT TERM COMPOUND INTT
A.5: SENIOR CITIZEN ( Utpo 1 Crore)
Sl.
Scheme
Description
No Code
09
ITZSS
IDBI SUVIDHA SENIOR CITIZEN SHORT TERM SIMPLE
INTT
10
ITZSC
IDBI SUVIDHA SENIOR CITIZEN SHORT TERM COMPOUND
INTT
B. MEDIUM TERM SUVIDHA DEPOSITS ( 1 YEAR TO LESS THAN 2 YEARS)
B.1: CLIENT ( Utpo 1 Crore)
Sl.
Scheme
Description
No Code
11
ITCMC
IDBI SUVIDHA CLIENT MEDIUM TERM COMPOUND INTT
12
ITCMM
IDBI SUVIDHA CLIENT MEDIUM TERM MONTHLY PAYOUT
13
ITCMQ
IDBI SUVIDHA CLIENT MEDIUM TERM QTRLY PAYOUT

299

14

ITCMA

IDBI SUVIDHA CLIENT MEDIUM TERM ANNUAL PAYOUT

B.2:
Sl.
No
15
16
17
18

BULK ( Above 1 Crore )


Scheme
Description
Code
ITBMC
IDBI SUVIDHA
ITBMM
IDBI SUVIDHA
ITBMQ
IDBI SUVIDHA
ITBMA
IDBI SUVIDHA

B.3:
Sl.
No
19

INTER BANK ( Utpo 1 Crore)


Scheme
Description
Code
ITIMC
IDBI SUVIDHA INTER BANK MEDIUM TERM COMPOUND
INTT
ITIMM
IDBI SUVIDHA INTER BANK MEDIUM TERM MONTHLY
PAYOUT
ITIMQ
IDBI SUVIDHA
INTER BANK MEDIUM TERM QTRLY
PAYOUT
ITIMA
IDBI SUVIDHA INTER BANK MEDIUM TERM ANNUAL
PAYOUT
IFIMQ
IDBI SUVIDHA INTER BANK FLEXI FIXED MEDIUM TERM
QTRLY PAYOUT

20
21
22
23

BULK MEDIUM TERM COMPOUND INTT


BULK MEDIUM TERM MONTHLY PAYOUT
BULK MEDIUM TERM QTRLY PAYOUT
BULK MEDIUM TERM ANNUAL PAYOUT

B.4:
Sl.
No
24
25
26
27

STAFF ( Utpo 1 Crore)


Scheme
Description
Code
ITSMC
IDBI SUVIDHA STAFF MEDIUM TERM COMPOUND INTT
ITSMM
IDBI SUVIDHA STAFF MEDIUM TERM MONTHLY PAYOUT
ITSMQ
IDBI SUVIDHA STAFF MEDIUM TERM QTRLY PAYOUT
ITSMA
IDBI SUVIDHA STAFF MEDIUM TERM ANNUAL PAYOUT

B.4:
Sl.
No
28

SENIOR CITIZEN ( Utpo 1 Crore)


Scheme
Description
Code
ITZMC
IDBI SUVIDHA SENIOR CITIZEN MEDIUM TERM
COMPOUND INTT
ITZMM
IDBI SUVIDHA SENIOR CITIZEN MEDIUM TERM MONTHLY
PAYOUT
ITZMQ
IDBI SUVIDHA SENIOR CITIZEN MEDIUM TERM QTRLY
PAYOUT
ITZMA
IDBI SUVIDHA SENIOR CITIZEN MEDIUM TERM ANNUAL

29
30
31

300

PAYOUT

C. LONG TERM SUVIDHA DEPOSITS ( TWO YEARS AND ABOVE)


C.1: CLIENT ( Utpo 1 Crore)
Sl.N Scheme
Description
o
Code
32
ITCLC
IDBI SUVIDHA CLIENT LONG TERM COMPOUND INTT
33
ITCLM
IDBI SUVIDHA CLIENT LONG TERM MONTHLY PAYOUT
34
ITCLQ
IDBI SUVIDHA CLIENT LONG TERM QTRLY PAYOUT
35
ITCLA
IDBI SUVIDHA CLIENT LONG TERM ANNUAL PAYOUT
C.2: BULK ( Above 1 Crore )
Sl.N Scheme
Description
o
Code
36
ITBLC
IDBI SUVIDHA BULK LONG TERM COMPOUND INTT
37
ITBLM
IDBI SUVIDHA BULK LONG TERM MONTHLY PAYOUT
38
ITBLQ
IDBI SUVIDHA BULK LONG TERM QTRLY PAYOUT
39
ITBLA
IDBI SUVIDHA BULK LONG TERM ANNUAL PAYOUT
C.4: INTERBANK ( Utpo 1 Crore)
Sl.N Scheme
Description
o
Code
40
ITILC
IDBI SUVIDHA INTERBANK LONG TERM COMPOUND
INTT
41
ITILM
IDBI SUVIDHA INTERBANK LONG TERM MONTHLY
PAYOUT
42
ITILQ
IDBI SUVIDHA INTER BANK LONG TERM QTRLY PAYOUT
43
ITILA
IDBI SUVIDHA INTER BANK LONG TERM ANNUAL PAYOUT
C.5: STAFF ( Utpo 1 Crore)
Sl.N Scheme
Description
o
Code
44
ITSLC
IDBI SUVIDHA STAFF LONG TERM COMPOUND INTT
45
ITSLM
IDBI SUVIDHA STAFF LONG TERM MONTHLY PAYOUT
46
ITSLQ
IDBI SUVIDHA STAFF LONG TERM QTRLY PAYOUT
47
ITSLA
IDBI SUVIDHA STAFF LONG TERM ANNUAL PAYOUT
C.6: SENIOR CITIZEN ( Utpo 1 Crore)

301

Sl.N
o
48

Scheme
Code
ITZLC

49

ITZLM

50

ITZLQ

51

ITZLA

Description
IDBI SUVIDHA SENIOR CITIZEN LONG TERM COMPOUND
INTT
IDBI SUVIDHA SENIOR CITIZEN LONG TERM MONTHLY
PAYOUT
IDBI SUVIDHA SENIOR CITIZEN LONG TERM QTRLY
PAYOUT
IDBI SUVIDHA SENIOR CITIZEN LONG TERM ANNUAL
PAYOUT

Events Leading To Transactions To Office Accounts


No
A

Office A/c no &


Description
XXX37000010015
FD suspense A/c

Events
1. Realisation of
Cheque
2. Credit of Interest

3. Redemption on
Maturity
4. Premature Closure
B

XXX37000010025
TDS parking A/c

Events

Purpose
As the actual receipt and payment by cheque is handled
outside Finacle this account has been created to reflect
such transactions. All the transaction pertaining to this
account are passed by user. Finally at the end of the
period this account balance will match with A/c 1369 in
CAD.
Action to be taken
This account is debited to give credit to customer
account
For the payout of interest to customer in Non cumulative
schemes on the respective due dates, system will credit
Sundry Deposit account. User has to debit Sundry
Deposit to transfer the balance to FD Suspense Account
System will debit customer account and credit Sundry
Deposit account for the amount. User has to debit
Sundry Deposit account and credit FD Suspense
Account.
System will transfer balance in customer account to
Sundry Deposit account. User has to debit Sundry
Deposit account and credit FD Suspense Account.
In case of Interest payout on Non cumulative schemes
and payment of closure proceeds of Cumulative
schemes, TDS parking account is credited with the
proceeds, to enable deduction of Tax if any. The amount
from this account is transferred to either sundry Deposit
account and / or TDS Due account. The balance in this
account should be zero at the end of the day.
Action to be taken

302

2. Credit of Interest

3. Redemption on
Maturity
4. Premature Closure

XXX37000010027
Sundry deposit A/c
Events
2. Credit of Interest

3. Redemption on
Maturity
4. Premature Closure
D

XXX34600010001
TDS Due A/c
Events
2. Credit of Interest
3. Redemption on
Maturity
4. Premature Closure

For the payout of interest to customer in Non cumulative


schemes on the respective due dates, system will credit
TDS Parking account. System only will debit TDS
Parking account to transfer the TDS to TDS Due
account and balance to Sundry Deposit Account.
System will debit customer account and credit TDS
Parking account. System only will debit TDS Parking
account to transfer the TDS to TDS Due account and
balance to Sundry Deposit Account.
System will debit customer account and credit TDS
Parking account. System only will debit TDS Parking
account to transfer the TDS to TDS Due account and
balance to Sundry Deposit Account.
On account of any payout to the customer this account
is credited. The balance in this account should be zero
at the end of the day.
Action to be taken
For the payout of interest to customer in Non cumulative
schemes on the respective due dates, system will credit
Sundry Deposit account. User has to debit Sundry
Deposit and credit FD Suspense Account
System will transfer balance in customer account to
Sundry Deposit account. User has to debit Sundry
Deposit to transfer the balance to FD Suspense Account
System will transfer balance in customer account to
Sundry Deposit account. User has to debit Sundry
Deposit to transfer the balance to FD Suspense Account
In the event of deduction of TDS system calculates and
transfer the same from TDS Parking account to this
account.
Action to be taken
In any of these events, that results in deduction of tax,
System debits TDS Parking account and credit TDS
Due Account. User has to transfer the amount by
debiting TDS Due Account and credit FD Suspense
account at the time of remittance of TDS to Income Tax
Department.

303

Interest Booking and


Interest Expenses A/c

Events
5. Interest provision at
the end of month

2. Credit of Interest on
due dates
Cumulative

2. Credit of Interest on
due dates Non
cumulative

Each scheme based on its tenure has one account


under GL code 32 for Other Liabilities Interest Accrued
(GL sub head 32225, 32325, 32425 i.e. interest booking
a/cs) and 81 for Interest Expenses Term Deposit (GL
sub head 81125, 81225, 81325 i.e. Interest Expenses
a/cs). However in Finacle the interest booked for the
month is not reversed.
Action to be taken
For each scheme System calculates the interest to be
provided for the month, debits the respective Interest
expenses a/c and credits respective Interest booking
a/c. The calculation of interest is from customer account
opening date or from first of the month to the month
end.
81125, 81225, 81325
Dr
32225, 32325, 32425
Cr.
Under Cumulative schemes on the due dates, System
calculates the interest to be paid, debits the interest
booking a/c for the amount which has been booked upto
end of last month and interest expenses a/c from the
first of the current month till due date and credits TDS
Parking account XXX37000010025.
System debits the TDS Parking account
XXX37000010025 and credits the customer account.
Under Cumulative schemes on the due dates, System
calculates the interest to be paid, debits the interest
booking a/c for the amount which has been booked upto
end of last month and interest expenses a/c from the
first of the current month till due date and credits TDS
Parking account XXX37000010025.System debits the
TDS Parking account and credits the Sundry Deposit
Account XXX37000010027 and / or TDS Due Account.
User has to debit Sundry Deposit Account
XXX37000010027 and credit FD suspense A/c
XXX37000010015.

304

4. Premature Closure

The account opened for more than 6 months if closed


prematurely i.e. Run period is less than the contract
period and the contract period is more than 6 months,
Finacle charges the penalty rate of interest. Meanwhile
interest is credited to the account (Cumulative
schemes) or paid to customer (Non - Cumulative
schemes) at contract rate of interest rate. At the time of
premature closure, the actual interest payable to the
account is worked out the difference is recovered from
the customer a/c under both cumulative & non
cumulative schemes. Finacle debits customer account
and credits
interest booked account (32225, 32325, 32425) under
Respective scheme. System debits interest booked
account (32225, 32325, 32425) and credits interest
expenses account (81125, 81225, 81325) under
Respective scheme.

Event Wise Transactions Passed In Finacle By System And User


Finacle
Events &
Activity
Menu
GL
Entry by
Sub
head
code
1Receipt of Cheque and application
No activity in
Finacle
Cheque not realized
No activity in
Finacle

A/c code

A/c Description

Cheque realized
User
Create, Verify CUMM
customer
Open, Verify OAAC /
Account
OAACA
U

Enter, Verify
transaction

TM

Dr 37000 XXX370000100 FD SUSPENSE


15
ACCOUNT

305

Cr 10525 XXX10525-------/ Customer A/c


/ XXX10625-------/
10625 XXX10725------/
10725
2Interest provision on last day of month (Cumulative and non-cumulative)
System
Booking of
Dr 81125 XXX8112501----/ INT ON STD interest
/ XXX8122501---81225 /XXX8132501--/ 81325
Cr 32225 XXX3222501---- INT BKD ON
/ /XXX3322501--- SHORT TERM
32325 -/XXX3422501-- DEPOSITS
/ -32425
Reversal of interest provided in next month
User
No activity in
Finacle

3Interest credited to FD a/c (Cumulative Scheme)


System
Either Full / part
Dr 81125 XXX8112501----/ INT ON STD booking interest
/ XXX8122501---is payable
81225 /XXX8132501--/ 81325
Dr 32225 XXX3222501---- INT BKD ON
/ /XXX3322501--- SHORT TERM
32325 -/XXX3422501-- DEPOSITS
/ -32425
Cr 37000 XXX370000100 TDS PARKING
25
ACCOUNT
System

Dr 37000 XXX370000100 TDS PARKING


25
ACCOUNT
Cr 10525 XXX10525-------/ Customer A/c
/ XXX10625-------/
10625 XXX10725------/
306

10725
Cr 34600 XXX346000100 TDS DUE
01
ACCOUNTS
4TDS payment for the previous month
User
Enter, Verify
TM
Dr 34600 XXX346000100 TDS DUE
transaction
01
ACCOUNTS
Cr 37000 XXX370000100 FD SUSPENSE
15
ACCOUNT
5interest to be paid on due dates - non cumulative
System
Dr 81125 XXX8112501----/ INT ON STD / XXX8122501---81225 /XXX8132501--/ 81325
Dr 32225 XXX3222501---- INT BKD ON
/ /XXX3322501--- SHORT TERM
32325 -/XXX3422501-- DEPOSITS
/ -32425
Cr 37000 XXX370000100 TDS PARKING
25
ACCOUNT
System

User

Dr 37000 XXX370000100
25
Cr 37000 XXX370000100
27

TDS PARKING
ACCOUNT
SUNDRY
DEPOSITS
ACCOUNT
Cr 34600 XXX346000100 TDS DUE
01
ACCOUNTS

Enter, Verify
transaction

TM

Dr 37000 XXX370000100 SUNDRY


27
DEPOSITS
ACCOUNT
Cr 37000 XXX370000100 FD SUSPENSE
15
ACCOUNT

307

TDS payment for the previous month


User
Enter, Verify
TM
Dr 34600 XXX346000100
transaction
01
Cr 37000 XXX370000100
15

TDS DUE
ACCOUNTS
FD SUSPENSE
ACCOUNT

6Redemptions - Bulk
System

Dr 10525 XXX10525-------/ Customer A/c


/ XXX10625-------/
10625 XXX10725------/
10725
For Bulk deposits Auto renewal is notCr 10525 XXX10525-------/ Customer A/c
allowed hence after the due date the
/ XXX10625-------/
balance is under GL Sub Head 10225
10625 XXX10725------/
10725
User

Close the
account

CAAC /
TDSCAL
C

System

User

Dr 10525 XXX10525-------/ Customer A/c


/ XXX10625-------/
10625 XXX10725------/
10725
Cr 37000 XXX370000100 SUNDRY
27
DEPOSITS
ACCOUNT
Cr 34600 XXX346000100 TDS DUE
01
ACCOUNTS
Enter, Verify
transaction

TM

Dr 37000 XXX370000100 SUNDRY


27
DEPOSITS
ACCOUNT
Cr 37000 XXX370000100 FD SUSPENSE
15
ACCOUNT

Redemptions - other than Bulk

308

If the account is not closed or renewaed due to setting up the parameters while
opening the account, the balance in the account will be moved to GL Subhead
10225. The account can be closed as shown above or Renewed as under
User

Open, Verify
Account

OAAC /
OAACA
U-R

System

Dr 10525 XXX10525----old Customer A/c


/ a/c
10625
/
10725
Cr 10525 XXX10525---- Customer A/c
/ new a/c
10625
/
10725

Based on the parameters, if the system closes the account following is the flow.
System
Dr 10525 XXX10525-------/ Customer A/c
/ XXX10625-------/
10625 XXX10725------/
10725
Cr 37000 XXX370000100 SUNDRY
27
DEPOSITS
ACCOUNT
Cr 34600 XXX346000100 TDS DUE
01
ACCOUNTS
User

Enter, Verify
trransaction

7Auto renewal of FD
System

TM

Dr 37000 XXX370000100 SUNDRY


27
DEPOSITS
ACCOUNT
Cr 37000 XXX370000100 FD SUSPENSE
15
ACCOUNT

Dr 81125 XXX8112501----/ INT ON STD / XXX8122501---81225 /XXX8132501--/ 81325


Dr 32225 XXX3222501---- INT BKD ON
/ /XXX3322501--- SHORT TERM
32325 -/XXX3422501-- DEPOSITS

309

/ -32425
Cr 37000 XXX370000100 TDS PARKING
25
ACCOUNT
System

Dr 37000 XXX370000100 TDS PARKING


25
ACCOUNT
Cr 10525 XXX10525-------/ Customer A/c
/ XXX10625-------/
10625 XXX10725------/
10725
Cr 34600 XXX346000100 TDS DUE
01
ACCOUNTS

System

Dr 10525 XXX10525-------/ Customer's old


/ XXX10625-------/ A/c
10625 XXX10725------/
10725
Cr 10525 XXX10525-------/ Customer's new
/ XXX10625-------/ A/c
10625 XXX10725------/
10725

User

No activity

8Premature closure
User
Close the
account
System

Crediting
Interest

CAAC /
TDSCAL
C
Dr 81125 XXX8112501----/ INT ON STD / XXX8122501---81225 /XXX8132501--/ 81325
Dr 32225 XXX3222501---- INT BKD ON
/ /XXX3322501--- SHORT TERM
32325 -/XXX3422501-- DEPOSITS
/ -32425
Cr 37000 XXX370000100 TDS PARKING

310

25

ACCOUNT

System

Dr 37000 XXX370000100 TDS PARKING


25
ACCOUNT
Cr 10525 XXX10525-------/ Customer A/c
/ XXX10625-------/
10625 XXX10725------/
10725
Cr 34600 XXX346000100 TDS DUE
01
ACCOUNTS

System

Dr 10525 XXX10525-------/ Customer A/c


/ XXX10625-------/
10625 XXX10725------/
10725
Cr 37000 XXX370000100 SUNDRY
27
DEPOSITS
ACCOUNT

User

Enter, Verify
trransaction

TM

Dr 37000 XXX370000100 SUNDRY


27
DEPOSITS
ACCOUNT
Cr 37000 XXX370000100 FD SUSPENSE
15
ACCOUNT

In premature closure of account some interest is calculated and already credited


to the account or paid to customer. Due to premature closure the interest rate
applicable changes and interest is recalculated. The excess interest paid is
recovered out of customer's account and booking of interest is rectified
accordingly.
System

The excess int


paid is
recovered from
Principal

Dr 10525 XXX10525-------/ Customer A/c


/ XXX10625-------/
10625 XXX10725------/
10725
Cr 32225 XXX3222501---- INT BKD ON
/ /XXX3322501--- SHORT TERM
32325 -/XXX3422501-- DEPOSITS
/ -32425

311

System

The recovered
interest is
reversed from
Int booking

Dr 32225 XXX3222501---- INT BKD ON


/ /XXX3322501--- SHORT TERM
32325 -/XXX3422501-- DEPOSITS
/ -32425
Cr 81125 XXX8112501----/ INT ON STD / XXX8122501---81225 /XXX8132501--/ 81325

In case some amount is to be repaid to customer and FD to be renewed for


balance amt the old FD to be closed and new FD to be opened. This will not be
renewal of FD in Finalce.
At the end of the year entries passed in Finacle as on 31.03
System

Booking of
interest

Dr 81125 XXX8112501----/ INT ON STD / XXX8122501---81225 /XXX8132501--/ 81325


Cr 32225 XXX3222501---- INT BKD ON
/ /XXX3322501--- SHORT TERM
32325 -/XXX3422501-- DEPOSITS
/ -32425

System

TDS
Calculation
On accrued
interest as on
31.03

XXX756000100 TDS on Others


Dr 7560004
TDS Due
XXX346000100 account
Cr 3460001

On the first day of the next financial year


XXX051650100 Interest P & L
Dr 05165 01
Account
81125 XXX8112501----/ INT ON STD / XXX8122501---81225 /XXX8132501--/ Cr 81325
Interest credited to FD a/c (Cumulative & Non cumulative Scheme)
312

System

Either Full / part


booking interest
is payable

Dr 81125 XXX8112501----/ INT ON STD / XXX8122501---81225 /XXX8132501--/ 81325


Dr 32225 XXX3222501---- INT BKD ON
/ /XXX3322501--- SHORT TERM
32325 -/XXX3422501-- DEPOSITS
/ -32425
Cr 37000 XXX370000100 TDS PARKING
25
ACCOUNT
Cr 75600 XXX756000100 TDS on Others
04

TDS on Int upto


31.03
System

Cumultive

Dr 37000 XXX370000100 TDS PARKING


25
ACCOUNT
Cr 10525 XXX10525-------/ Customer A/c
/ XXX10625-------/
10625 XXX10725------/
10725
Cr 34600 XXX346000100 TDS DUE
01
ACCOUNTS

TDS on Int from


01.04 onwards
System

Non Cumulative

Dr 37000 XXX370000100
25
Cr 37000 XXX370000100
27

TDS PARKING
ACCOUNT
SUNDRY
DEPOSITS
ACCOUNT
Cr 34600 XXX346000100 TDS DUE
01
ACCOUNTS

TDS on Int from


01.04 onwards
User

Enter, Verify
transaction

TM

Dr 37000 XXX370000100 SUNDRY


27
DEPOSITS
ACCOUNT
Cr 37000 XXX370000100 FD SUSPENSE
15
ACCOUNT

313

Office accounts for Suvidha Scheme Codes


Tenure of Scheme Code
scheme

Int booked a/c

Int on Scheme

Short
Term

ITCSS
ITCSC
ITBSS
ITBSC
ITISS
ITISC
ITSSS
ITSSC
ITZSS
ITZSC

XXX32225010001
XXX32225010002
XXX32225010003
XXX32225010004
XXX32225010005
XXX32225010006
XXX32225010007
XXX32225010008
XXX32225010009
XXX32225010010

XXX81125010001
XXX81125010002
XXX81125010003
XXX81125010004
XXX81125010005
XXX81125010006
XXX81125010007
XXX81125010008
XXX81125010009
XXX81125010010

Mid Term

ITCMC
ITCMM
ITCMQ
ITBMC
ITBMM
ITBMQ
ITIMC
ITIMM
ITIMQ
ITSMC
ITSMM
ITSMQ
ITZMC
ITZMM
ITZMQ
ITCMA
ITBMA
ITIMA
ITSMA
ITZMA
IFIMQ

XXX32325010001
XXX32325010002
XXX32325010003
XXX32325010004
XXX32325010005
XXX32325010006
XXX32325010007
XXX32325010008
XXX32325010009
XXX32325010010
XXX32325010011
XXX32325010012
XXX32325010013
XXX32325010014
XXX32325010015
XXX32325010016
XXX32325010017
XXX32325010018
XXX32325010019
XXX32325010020
XXX32325010021

XXX81225010001
XXX81225010002
XXX81225010003
XXX81225010004
XXX81225010005
XXX81225010006
XXX81225010007
XXX81225010008
XXX81225010009
XXX81225010010
XXX81225010011
XXX81225010012
XXX81225010013
XXX81225010014
XXX81225010015
XXX81225010016
XXX81225010017
XXX81225010018
XXX81225010019
XXX81225010020
XXX81225010021

ITCLM
ITCLQ
ITBLC

XXX32425010001
XXX32425010002
XXX32425010003

XXX81325010001
XXX81325010002
XXX81325010003

Long Term

314

ITBLM
ITBLQ
ITILC
ITILM
ITILQ
ITSLC
ITSLM
ITSLQ
ITZLC
ITZLM
ITZLQ
ITCLC
ITCLA
ITBLA
ITILA
ITSLA
ITZLA

XXX32425010004
XXX32425010005
XXX32425010006
XXX32425010007
XXX32425010008
XXX32425010009
XXX32425010010
XXX32425010011
XXX32425010012
XXX32425010013
XXX32425010014
XXX32425010015
XXX32425010016
XXX32425010017
XXX32425010018
XXX32425010019
XXX32425010020

XXX81325010004
XXX81325010005
XXX81325010006
XXX81325010007
XXX81325010008
XXX81325010009
XXX81325010010
XXX81325010011
XXX81325010012
XXX81325010013
XXX81325010014
XXX81325010015
XXX81325010016
XXX81325010017
XXX81325010018
XXX81325010019
XXX81325010020

315

Event Wise Vouchers To Be Passed In Cad


CAD
Event
voucher Dr/ A/c Account Head
Amt.
Cr code Narration
1 Receipt of cheque sent for realization
RV Cr 2755Cheque pending Cheque amt.
Realisation
Cheque not realised

PV

Dr

2755Cheque pending Cheque amt.


Realisation

Dr

2755Cheque pending Cheque amt.


Realisation
1369Deposits received
under new ISFD

Realisation of cheque
JV

Cr

2Interest provision on last day of month (Cumulative and non-cumulative)


Provision voucher on the
Dr 6565Interest paid on Int amt to be
last date of every month
new ISFD
porovided
Cr 1750Interest accrued
JV
but not due on
borrowing
including deposits

Reversal of provision of int on first date of next month


Dr 1750Interest paid on Int amt to be
new ISFD
porovided
Cr 6565Interest accrued
JV
but not due on
borrowing
including deposits
3Interest credited to FD a/c (Cumulative Scheme)
Interest accrual on compounding dates of cumulative deposits
Interest accrued but not due in r/o cumulative deposit is added to Principal of FD
on respective date of quarterly compounding
Addition to principal is after deducting TDS if applicable
Finacle report will give interest and TDS
JV Dr 6565Interest paid on Int Accrued
new ISFD
316

Cr

Cr

2754Income Tax &


TDS
surcharge
deducted at
source from
Interest
1369Deposits received Net of TDS
under new ISFD

4TDS payment for the previous month


PV
Dr 2754Income Tax &
surcharge
deducted at
source from
Interest

TDS

5interest to be paid on due dates - non cumulative


By passing this payment voucher cheque for net of TDS will
be generated
Dr

PV

6Redemptions - Bulk
Bulk deposit > 1.00 crore

Cr

Dr

Irrespective of Interest
payment option JV is to
be passed

JV

Cr

On receipt of request for


redemption

PV

Dr

6565Interest accrued
but not due on
borrowing
including deposits
2754Income Tax &
surcharge
deducted at
source from
Interest
(If Tax is
applicable)

Int amt actually


due
Income Tax and
surcharge
deducted from Int

1369Deposits received
under new ISFD
2752Amount payable
on maturity

2752Amount payable
on maturity

Redemptions - other than Bulk


Other than bulk ie. < 1.00 crore - Auto-Renewal is invoked by
default.
317

No need to transfer matured amt to 2752


Deposit 1,00,000/- Compound Int Accrued 10,000/- TDS
1,000/Redemption of FD with cumulative Interest
Redemption of FD with
cumulative Interest

Dr
PV

Redemption of FD with
Non - Cumulative
Interest
7Auto renewal of FD
Renewal of FD with Non
- Cumulative Interest

PV

JV

Cr

Dr

1369Deposits received
under new ISFD
2754Income Tax &
surcharge
deducted at
source from
Interest

110000

1369Deposits received
under new ISFD

100000

1000

Dr 1369 Deposits received


OR under new ISFD
(Non Bulk) OR
Dr 2752Amount payable
on maturity (Bulk)
Cr

1369Deposits received
under new ISFD

Renewal of FD with Cumulative Interest


Deposit Amt Rs.100000/-. Int credited Rs10000/-. TDS 1000/-. FD renewed for
109000/Dr 1369 Deposits received
OR under new ISFD
(Non Bulk) OR
1100000
Dr 2752Amount payable
on maturity (Bulk)
Cr 1369Deposits received
109000
JV
under new ISFD
Cr 2754Income Tax &
1000
surcharge
deducted at
source from
Interest

318

8Premature closure
Interest rate for elapsed period (I.e. up to date of premature redemption) will be
taken for calculation in place of original interst rate applicable for original maturity
period. Excess int paid will be recovered from redemption
Deposit 1,00,000/-. Compound Int Accrued up to last date of compounding date
10,000/- (added to principal). Accrued interest from last compounding date to
premature date 85/-. interest recoverable 100/-. shortfall of interest to be
recovered from principal 15/-. Cheque to investor 109976/- IT 9/- (TDS on
interest from last compounding till premature date).
Premature date
Dr 6565Interest paid on
85
new ISFD
Cr 2754Income Tax &
9
surcharge
JV
deducted at
source from
Interest
Cr 1369Deposits received
76
under new ISFD

PV

Dr

1369Deposits received
under new ISFD

Cr

6565Interest paid on
new ISFD

109976
100

In case of premature closure of FD account opened fro Rs.10,000/- under Non


cumulative scheme the interest due to premature closure will be recovered from
the Principa amount only. It happens if the account is closed immediately after
the interest payment date and hence from the last interest application date till
closure there is no interest available for recovering the same. The interest
recovered is Rs.300/-

JV

Dr
Cr

Redemption of FD with
Non - Cumulative
Interest

PV

Dr

1369Deposits received
under new ISFD
6565Interest paid on
new ISFD

300

1369Deposits received
under new ISFD

9700

300

319

Interest provision on last


day of month
(Cumulative and noncumulative)
Provision voucher on the
last date of every month
JV

Dr

6565Interest paid on
new ISFD

Cr

1750Interest accrued
but not due on
borrowing
including deposits

Int amt to be
porovided

320

7.0 Reports that can be generated by Users in Finacle


No.
1

2
3

Report Name
Purpose
Deposit Transaction To know Interest,
(Display / Print)
principal or total
payment that has
happened on any date.
General Details
To know basic
information regarding
the customer accounts.
Account Details
To know basic
information regarding
the customer accounts.

Remit TDS
Not report

To know the details of


TDS to be remitted to
IT Deptt on any date.

Refund TDS
Not report

Due Notice

Rate wise
distribution of
deposit

Scheme wise
distribution of
deposit

TDS inquiry and

To get the list of


customers to whom
TDS has been
refunded.
To know the list of
accounts getting
matured during a
period.
To know the number of
accounts and total
deposit amount under
various rates
applicable.
To know the number of
accounts and total
deposit amount under
various schemes.
To know the TDS

Useage
This will help the user
to pass voucher in
CAD to make payment
to client
For inquiry on all
accounts and to get
maturity amount.
For inquiry on all
accounts. It gives
balance amount and
last tran date. It can
also be used to see
the accounts opened
without passing any
transaction i.e. PI.
Option G will give list
of accounts where
TDS is deducted
based on which user
can make the
payment.
Option C will give list
of accounts for which
TDS is paid.

Menu
DTR

GDET
ACDET

RMTDS

RFTDS

To send the letters


asking for renewal of
accounts.

DN

For statistics

RDD

For statistics

SDD

To inquire and print

TDSIP
321

10

printing
Balance Report

11

Daily transaction
report

12

Account Selection
Print

13

15

Account Ledger
Inquiry
Account
Maintenance
Customer Selection

16

Account Selection

17

Maturity Forecast
Report
Deposit Receipt
Print
Deposit received
during the period

14

18
19

related information.
To know the balances
under various accounts
as on date for a SOL
To get the list of all
transactions.

reports related to TDS


For reconciliation
Options
2,3,4,5,6,12,A1,A2
can be used.

To print report on
accounts based on
various parameters
To see the ledger of the
account
To inquire and modify
on account
To select customer
based on various
parameters
To select accounts
based on various
parameters
To get the list of
deposits being matured
To give Certificate of
Deposit to Customer
To generate report on
For reconciliation /
Deposits received
Statistics
during the period

BR
PTW
ACSP
ACLI
ACM
CUS
ACS
MFR
DRP
DEPRCVD

322

Daily Routine To Be Followed By The User


1. Go to FTI menu press F4 to see the transactions passed by the System
for your SOL whenever user logs in Finacle. The entries passed for
calculation and crediting interest or redemption proceeds for the accounts
matured on the date. The amounts due on these counts are credited to
office account (for non cumulative schemes) or to customer account (for
cumulative schemes). Accordingly, user can take further course of action
in Finacle as well as in CAD system to keep the books of accounts and
Finacle reconciled.
2. Before logging out of the Finacle for the day go to AFI menu, enter proper
parameters to see any non financial transactions (Like customer creation,
account opening etc, other than transactions entered through TM Menu)
entered by you are left as not verified by another user. Please ensure that
all such transactions are verified on the same date so all future operations
on the account will be smooth and also no objection is raised by audit.
3. Before logging out of the Finacle for the day go to FTI menu, enter proper
parameters to see the status of the financial transactions passed by you.
Please see the transactions are posted and verified at the end of day
before you logged out of Finacle. The transaction posted on a date cannot
be verified on next date.
4. Some of the customer accounts opened in Finacle are closed on the
grounds that the same were opened erroneously. Please take a stock of
all such wrongly opened accounts and keep record so as to reconcile with
CAD and Audit purpose. Also the system will perform all calculations such
as interest, renewal closure etc. on all live accounts. Please identify such
wrong accounts opened at your SOL and also find out the operations
performed on all such accounts. All such errors will have to be rectified
and the data will have to be made clean so as to reconcile with CAD
system, Audit purpose and data migration in future.
5. Whenever a report is generated through Finacle. The same can be viewed
in the Background menu. The file can be transferred to your computer. Go
to background menu. To see the file / report we type T in the block. To
know the file name Explode on the file i.e. press Ctrl+E and you will come
to know the file name under print file name. Then go to main menu, type
FILETRAN and press enter. Select the proper option i.e. 2 (From Finacle
Server To P.C.(Reports)), press F4, 2 (Transfer RPT/rpt FILES), press F4.
You can see the file name on the screen. You can select the file name,
copy and paste with the mouse on the entry bar and press F4 and go
ahead. Before you start for Filetran create a directory called FILETRAN on
C drive so that all such files are transferred in this directory.
6. To reconcile CAD balances with Finacle based on various reports as given
above.

323

In Finacle Following Batch Jobs For Suvidha Are Performed By System


Sr No.
1
2
3
4
5
6
7
8
9

JOB_DESC
AUTO CLOSURE OF TD
AUTO RENEWAL
AUTO. CLOSURE VERIFICATIO
TRF TO OVERDUE DEPOSITS
TDS CALCULATION RENEWAL
INT. PAID ON TERM DEPOSIT
TDS INTEREST PAID
INTEREST BOOKING ON FD
TDS ON INT ACCRUED

Invoking process
After Business Hours
After Business Hours
After Business Hours
After Business Hours
After Business Hours
BOD process
BOD process
After Business Hours
After Business Hours

Accordingly the Users can know for a particular customer account when the
transaction will take place in the system.

324

Suggested Menus / Reports For Reconciliation With Cad


Sr. Events
No.
1.

B. Interest Provision
At the end of the month.

2.

C. Interest payment on Due


dates (Non-Cumulative) On
daily basis
D. Interest Accrual on
CompoundingOn daily basis
E. Redemptions Bulk Scheme codes ITB On daily
basis
E. Redemptions Non Bulk
Cumulative On daily basis
E. Redemptions Non Bulk
Non Cumulative On daily
basis
G. Premature Closure Non
Cumulative (Scheme codes
ending with M, Q, A)
G. Premature Closure
Cumulative - (Scheme codes
ending with C, S)
F. Renewal of Deposit Bulk
Non Cumulative - Scheme
codes ITB ending with M, Q,
A
F. Renewal of Deposit Non
Bulk Non Cumulative Scheme codes other than
ITB ending with M, Q, A
F. Renewal of Deposit Bulk
Cumulative - Scheme codes
ITB ending with C, S
F. Renewal of Deposit Non
Bulk Cumulative - Scheme
codes other than ITB ending
with C, S
Interest calculation
Success report
Interest calculation

3.
4.
5.
6.
7.
8.
9.

10.

11.
12.

13.
14.

Correspondi Menu suggested


ng Report
sent earlier.
BR menu option for Interest
Provision. (GL sub head
32225, 32325, 32425)
401_c.rpt
DTR menu Flow code IO
401_d.rpt

DTR menu Flow code II

401_e1.rpt

DTR menu Flow code PO /


TO

401_e2.rpt

DTR menu Flow code TO

401_e3.rpt

DTR menu Flow code PO

401_g1.rpt

DEPRCVD From 01.10.2004


to date transfer the file* to PC
and see the premature closure
401_g2.rpt
DEPRCVD From 01.10.2004
to date transfer the file* to PC
and see the premature closure
401_ren_F1 DEPRCVD From 01.10.2004
_B.rpt
to date transfer the file* to PC
and see the premature closure
401_ren_F1 DEPRCVD From 01.10.2004
_NB.rpt
to date transfer the file* to PC
and see the premature closure
401_ren_F2 DEPRCVD From 01.10.2004
_B.rpt
to date transfer the file* to PC
and see the premature closure
401_ren_F2 DEPRCVD From 01.10.2004
_NB.rpt
to date transfer the file* to PC
and see the premature closure
Intcalc1.suc
Intcalc2.suc
325

Success report
15. Details of Tax Deduction at
tdscalc.SUC
Source
16. Interest calculation Failure
Intcalc.FAI
report
Note : 401_ is the sol No which is indicative and taken as example.
*DEPRCVD file - Excel Format Report on Suvidha Fixed Deposit. Please
note the Column Headings are as under
Ac Cu Cust AccoRa Dep Maturi AccoAccou Dep Original Original Current Current
co sto ome unt te osit ty
unt nt
osit Deposit Maturity Account Maturity
unt me r
Ope of Peri Date Clos Closin Stat Amount Amount Balance Amount
Na r Id Type n
Int od
ed(Y g Date us
me
Date ere
/N)
st
1 2
3
4 5
6
7
8
9 10
11
12
13
14
In case of reports 4, 5, 6 the DTR with closed a/c as Y and Flow code PO (for
non cumulative schemes) TO for (cumulative schemes) will give all redemptions
in a period. However you have to identify the accounts under Bulk schemes i.e.
code with ITB.
For TDS deducted and to be paid please take ledger printout of Office Account
No XXX34600010001 for the month through ACLPOA menu for this purpose.
As advised earlier daily go to FTI menu to see the transactions passed by the
system giving from date as yesterday's date (so that you will get After Business
Hour transactions also). For each entry Press Ctrl+E i.e explore to see the
details. Also visit DTR menu as advised above.
It is desirable that the Finacle and NCAS are reconciled on daily basis by passing
relevant vouchers in NCAS. You can refer the earlier document files sent by Help
Desk and DRD in this regard. For further help contact us through mail.

326

Suvidha Fixed Deposited Migrated From Informix


On migration the new accounts will bear the structure as under:
Field
Value
Customer Account
XXXABCDEFGHIJ
15 digits
XXX
011 (Kolkata) to
SOL No
055 (Coimbtore)
Scheme code (Informix)
Description
AB
01
Cumulative
02
Quarterly Payout
03
Monthly Payout
05
Yearly Payout
CDEFGHIJ
The number from Informix preceded
by 0 (zero) to fill up the gap.
0410300000658
041
03
00000658

On migration the account number will appear like this


Pertains to Mumbai BO
For Monthly Payout
658 is the account number that cam from Informix

The scheme codes created for the migrated accounts are different from
the Suvidha Fixed deposit schemes in Finacle and also from fixed deposits
schemes used by CBSBU.
On the date of migration a voucher is to be passed in NCAS system for
transferring the amount to FInacle. The details will be forwarded to the offices in
due course.

327

Document details

Purpose :- To provide help in browser configuration for Finacle


1. This setting is user specific, if any new user logs in for the first
time on any PC , he has to follow following steps.
2. Click on

which is appearing on your desktop.


3. Click on tools.
Click on Internet Options. In address field type the finacle
address
http://10.144.16.18:9000/finacle/finacle.html

4. Click Apply & then OK.

328

5. Again Click on Internet options. Click on Security, you will get


following screen.

6. Click on Trusted Sites.

7. Click on Sites.You will get following screen, pl. type IP address


"10.144.16.18". Uncheck "require server verification". Then click
"Add".Then click OK.

329

8.You will get following screen.

330

9. Click on Custom Level. You will get following screen.

10. Use right hand side scroll bar and change screen as follws.

331

11.

Click on Custom under Microsoft VM Java permission

12. Then click Java Custom Settings as follows.

332

13.
Click on Edit Permissions. You will get following screen.
Click on Enable under "Unsigned content->Run Unsigned
content"
Again scroll down and find another "Enable" .

333

14. Click at "Enable" under Signed content -> Run Signed


Content . Select "Low Security" under reset to option .Then click
on OK.

334

15. You will get following screen. Click on OK

335

14.

You will get following screen. Click "Yes" .

15.

You will get following screen. Click on Apply and then OK.

336

16.
You will come back to Browser Main screen. Close and
restart the Browser.
17.
If your PC is used for internet also, then do as follows:Further to browser settings, you are advised to include "10.144.16.18"
in the list of server where system should not use proxy server.
17.1 Double Click on Internet Explorer.
17.2 Click on tools->Internet Options->Connection->LAN Settings>Advance->
Under exceptions pl. ensure that following is appearing.
idbibank.com;10.144.16.18
17.3 Continue clicking OK to close all windows.
****End of the documents*****

337