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S.NO.
TOPIC
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CIF CREATION
DEPOSIT ACCOUNTS
POSTING RESTRICTIONS, HOLDS, STOPS, ETC.
TRANSACTION POSTING
CLEARING MODULE
CASH
VALUABLE PAPER INVENTORY SYSTEM (VPIS)
BRANCH GENERAL LEDGER (BGL)
USER MAINTENANCE/ ADMINISTRATION
REMITTANCES (DD/BC/TT/GC/TC)
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12
13
14
PAGE
NO.
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28
01.06 SEARCH CAN ALSO BE MADE USING Fourth icon from left on
Icon Bar AND ALSO Clicking on Search Button wherever input of Customer
number of account number is required
===============================================================
02.DEPOSIT ACCOUNTS
02.01 Opening of a Saving/Current Account
Deposit/CC/OD Accounts & Services Create New Deposit A/c:
Term basis
MMDC =
Days
TDR
Days
RD
Months
Term Value
Interest frequency
Amount
M.Maturity
Amount
0
A.Aniversary
M.Maturity
Monthly/quarterly
N.B. (1) In case of S.Plus the Interest options should be given as per the
sweep product (TDR/STDR/Mods etc.) and also leave the upper half of the
third page blank.
(2) In case of Mods and S.Plus, the authorizing officer should also complete
the screen appearing beneath the queue authorisation screen.
(3) In case of RD, MODS and S.Plus the relevant fields on the third page Term
A/C option should also be completed.
2Field Bkdt Int Recalc Req: select Y:Yes from the Drop Down Box.
3Acct Sgmt Code . Select 5006: PER - OTHERS {NOT INCL. (IN
PER) ABOVE.
Now go the page 4 of the tabbed screen Govt/PPF/Credit Card details.
There are 5 Fields in a menu under the heading PPF Back Dated Acc
Opening.
(ii) Deposit/ CC/ OD Accounts & Services Amend Deposit/ CC/
OD Account
In the Field Option: select the option P: Backdated PPF Details.
Here we have to input balances in the PPF account as on previous six 31
March.
Transaction Name
Purpose
All Financial
98
25
30
of CC/OD
Stop Transaction
31
Hold transaction
33
Message Details
34
Dishonoured
Cheque Details
Term Maturity
Details
40
62
82
90
Closure Interest
Adjustment
Fee exemptions
Dormant account
Narrative
CC/OD A/Cs
For display of Stop applied/removal
transaction on an account .
For display of Hold(Lien)
applied/removal transaction on an
A/C.
For display of Message
Setting/Removal transaction on an
A/C.
For details of dishonoured cheque in
an account
To be used for Term Deposit Accounts.
To be used to enquire about closure
transactions.
For details of Fee exemptions given on
an account.
For details regarding Dormancy of an
account.
02.17 CORRECTION
All transactions could be corrected (UNDO) in Bancs24 , where on using
correction menu original entry is reversed and later correct entry may be
posted into the system. This function can be used only on the same day
before EOD.
NOTE: Trace Number is the Host Trace No. which could be found out through
transaction enquiry in the account or through journal enquiry.
accounts->Passbook
UpdatesUpdate
deposit
Duplicate
Holds (Lien) /
Holds (Lien) /
Hold/Lien.
Holds (Lien) /
Holds (Lien) /
Holds (Lien) /
Holds (Lien) /
No. and other
Order )
04.TRANSACTION POSTING
04.01 Cash Payment from DEPOSIT Account by Voucher:
Transactions posting Deposit/CC/OD Accounts Payments
Cash
1.Field Check for Supervisor Overrides: Click in the box (This will enable
Supervisor overrides and facilitate for on-line authorisation by the supervisor
for each transaction, wherever needed).
2.Field Txn Base: Select appropriate nature of transaction from the pull
down menu.
===============================================================
05.CLEARING MODULE
05.01 Outward Clearing:
Session in CBS = Clearing Type + Clearing Date
Posting Value Date: This is the effective date of credit (Amount eligible for
interest calculation) and Cheques would be presented in Clearing House
Clearing Date: this is the date on which a particular Batch would be cleared
or Customers uncleared balance will move to clear balance on this date)
Open
Maintenance
(Action = Extract)
Stages to be performed on the receipt of TR advice (Day 2 or Day 3):
Stage V: Mark Return :: Clearing Outward Clearing Mark Return
Stage VI: Clear Batch :: Clearing Outward Clearing Session
Maintenance
05.03 Report
Report
wise reports)
Reports Initiate request to HOST (SCR: 031239)
Report Ids : SY0324: Instrument type-wise lodged in Clearing, SY0325:
Bank-wise instruments lodged in Clearing and SY0330 Bank wise slips
05.05 Enquires
Clearing Outward Clearing Enquiries Clearing Session
enquiry)
Clearing Outward Clearing Enquiries Cheque enquiry
05.07 To dishonor the Failed Instruments: Choose the User action field
as Dishonor The System passes the entry for debiting the OLRR dishonor
account (BGL account No. 978575) and reverses the OLRR Suspense
account.
The user has to manually reverse the OLRR dishonor account with the
Transfer Responding Advice or Counter Return Instrument.
It will debit the OLRR- Dishonor a/c and credit the Inward
Clearing Suspense account.
======================================================
06. CASH
06.01 Open/Close Cash Drawer
Transaction Posting->Cash Maintenance->Open/close Cash Drawer
Cash
Maintenance
Cash
Swap
Reconcile Currency. The Currency reconciled status will become Yes. Now
click on Close Cash Drawer)
06.10 To view position of cash drawers of all the users by the cash
officer
Reports Cash Related View Cash Summary (Click on Fetch)
06.19 At the end of day, all Tellers take a print of the report of
their cash transactions.
Reports Printing Reports Cashier/Teller Cash Report
=============================================
====
================================================
09.02. Users Forced Closure: (To log out a specific user from the
system)
User/System Management--> Changes --> User Forced Closure
Management
Changes
Change
User
Type
- (When teller is
transferred or deputed to other branch)
User/System Management-> Changes -> Change Sign-On Branch
Permanently
09.07.Change Time Limit: User/System Management -> Changes -> Change Time Limit
======================================================================
====
10. REMITTANCES(DD/BC/TT/GC/TC)
10.01. Issue of DD against receipt of Cash:
Inland Rupee Remittance Receipt of Funds Through Cash.
10.08 TT ISSUE/STEPS
Stage 1: Inland Rupee Remittance Receipt of Funds Through
Cash.
Please note this Journal number on the voucher.
Stage 2: Issue of TT: Inland (Rupee) Remittance Issue TT.
(Select the instrument type as Telegraphic transfer in case of TT and 1.etransfer in case of STEPS from the Drop Down Menu.)
Status
Change
Other
Remittances
11.04 DD Purchase:
Collection and Cheque Purchase Initiation Cheque Purchase
(DDP) to Cash
Holding Account Number Field should be '0' (0 in the case of stray DDPs, and
the relevant Liability Account No. in case of Sanctioned Limits).
Or
11.09 Correction:
This menu can be used for reversing the entries put through on the same
day. This is available as sub menu. The user has to key in all the relevant
particulars including the TRACE NO of the original transaction which is to be
reversed; it must be the replica of the original transaction which is to be
reversed. . The Trace No can be found from the Transaction enquiry.
12. MISCELLANEOUS
12.01 File upload
In B@ncs24, there is a provision for processing the bulk data called as
TRICKLE FEED processing. Under this the branch can upload the file (Which
has to be in a specified format) and the file will be processed at CDC. This
menu is available with User Type 40/50/60. The user has to go to
Branch Administration File Upload Screen
000400)
SEND TO GROUP
If the User wants to send to the Group, he has to give the Group number (as
displayed in the Minimum capability required to override this error) in the
Supervisor ID/Group Capability field and Click Send to Group
SEND TO SUPERVISOR
If the User wants to send to a particular Supervising User, he has to give the
Supervising Users ID in the Supervisor ID/Group Capability field and Click
Send to Supervisor
LOCAL SUPERVISOR
If the Supervising User comes to the posting Tellers node, he can give the
Supervising Users ID in the Supervisor ID/Group Capability field and his
Password in the field, Password (local override only). Then Click Local
Supervisor.
12.10.GENERAL ENQUIRIES
General Enquiries Normal and Last Transactions (SCR:069440: CIF Generic
Long Enquiry)
This is a common Long Enquiry screen where accounts from any of the
Deposits, Loans and BGL modules can be enquired by giving the Account
Number.
General Enquiries Display Check Digit (SCR: 009022 Display Check Digit)
This menu enables a User to find out the Check Digit (11th digit in CIF/Acc)
for CIF/Account Numbers.
Key Particulars
Details
Account Type
Sub Type
Loan Amount
Loan Term (in Months)
(Inclusive of Moratorium)
Segment
Activity Code
Scheme Code
After the loan is approved and Disbursement Schedule & Repayment
Schedule is set up, loan can be disbursed. Other actions must, however, be
done later in the day.
1.Entry into Loan Tracking: 'DL/TL Accounts & Services - Loan Tracking new
account Tabbled put account no/cif no.-Transmit.
Product no..,Subproduct no.,Application amt
Segment no.0706,loan term(in month)
On Header Miscellaneous1.Facility-0-----------transmitOpen next page-Activity code----,Scheme code---,Refinancing Institution-not ref.,
Refinancing reqd:
no
, Customer Type
indinidual
,Transmit-ok
(Entity DEP: Deposits Master for CC/OD or LON: loans Master for TL/DL )
DL/TL Accounts & Services > Loan Processing > Cancel loan.
(ii) Step 2: DL/TL Accounts & Services > Loan Tracking > Operation > Action: 1
Maintenance > select Maintainable Action 5 A/c Creation > select Option:
2:A/c Names
OR
Deposit/CC/OD Accounts & services > Amend > Deposit/CC/OD Accounts > Option
5: Account Names, and thereafter repeat the same navigation with Option:
B: Mode of operation.
Deposit/CC/OD Accounts & Services > Create > CC/OD Limit and Details (multi
limits) [instead of CC/OD Limit and Details -used for single rate limits].
Select rate Type as S: Set Rate and key in different rates against respective
limits sanctioned against various STDRs
Accrual
In the field Interest Adjustment: enter the Accrued Interest Amount noted
earlier, starting with - sign.
RISK
GRADE
DESCRIPTION
00
Standard Asset
01
Standard But Temporarily Irregular Asset
02
Standard But Irregular for Over 60 Days
04
Sub-Standard Asset
05
Doubtful Asset Less than 1 Year
06
Doubtful Asset = > 1 Year but < 3 Years
07
Doubtful Asset = > 3 Years
08
Loss Asset
(Please note that risk grade numbers 03 and 09 are not used
presently)
In
Risk
Gra
de of
TL/
DL
acco
unt
00
01
02
00
01
02
04
05
06
07
04
01
02
Description
Number of
Days /
Percentage of
erosion
30 Days
30 Days
30 Days
90.10%
90.10%
90.10%
90.10%
90.10%
90.10%
90.10%
50.10%
---
New
NPA
Status
of that
accoun
t
01
02
04
08
08
08
08
08
08
08
05
00
00
In
Risk
Gra
de of
CC/
OD
acco
unt
201
202
203
204
205
206
00
01
02
00
01
02
207
00
208
01
209
02
210
211
212
213
214
215
216
217
218
219
220
221
222
00
01
02
00
01
02
04
05
06
07
04
01
02
Description
Number of
Days /
Percentage of
erosion
30
30
30
30
30
30
New
NPA
Status
of that
account
Days
Days
Days
Days
Days
Days
01
02
04
01
02
04
90 Days
04
90 Days
04
90 Days
04
180 Days
180 Days
180 Days
90.10%
90.10%
90.10%
90.10%
90.10%
90.10%
90.10%
50.10%
---
04
04
04
08
08
08
08
08
08
08
05
00
00
365 days
365 days
730 days
05
06
07
04
05
06
Overdue / NPA
For CC / OD accounts
Deposit/CC/OD Accounts & ServicesEnquiriesShort
Select Option as 2. Overdraft DetailsCheck the value in New IRAC
Status field
Acc_Type
6027
6001
6004
6006
6008
6010
6012
6013
6014
6016
6017
6021
6022
6028
Int_cat
1011
1001
1004
1006
1008
1010
1012
1013
1014
1016
1017
1021
1022
1028
6029
6131
6132
7001
7004
7005
7006
7008
1029
1031
1032
1011
1013
1014
1015
1016
7009
7010
7013
7014
7015
1017
1018
1019
1020
1021
Description
CC-KCC AGRICULTURE
CC-HYPO. PUBLIC
CC-WEAVERS SOC
CC-CONSORTIUM
CC-PDS
CC-FERTILIZER
CC-INDUSTRIAL SOC
CC-HOUSE FEDERATION
CC-LDB CLEAN
CC-AGRO INDUSTRY
CC-FINANCIAL CORP
CC-SLI STAFF
CC-SLI PUBLIC
CC-MKTG. SOCIETY
CC-GENERAL CREDIT
CARD
OD-OVERDRAFT STAFF
OD-OVERDRAFT PUBLIC
TL-SCAVANGER
TL-DAIRY
TL-SJSRY
TL-VEHICLE PERSONAL
TL-CONSUMER
TL-HOUSE LOAN
PERSONAL
TL-EDUCATION
TL-OTHER PURPOSE
TL-NON FARM SECTOR
DL-AGAINST DEPOSIT
ok
ok
ok
2330
2328
2329
2332
2324
2327
2325
ok
10
10
10
10
10
10
10
or
7019
7021
1023
1024
7026
7031
7040
1026
1027
1028
TL-COMPUTER
TL-SELF HELP GROUP
TL-VEHILCLE
COMMERCIAL
TL-GOVERNMENT
TL-AGRI. & ALLIED ACT.
SCREEN
NO.
400-Deposit Accounts Short Enquiry
440-Deposit Accounts Long Enquiry
450-Deposit Accounts Transaction Enquiry
10400-Loans Short Enquiry
10450-Loans Transaction Enquiry
20400-BGL Short Enquiry
20450-BGL Transaction Enquiry
1010-Deposits Cash Receipts
1060 Deposits Cash Payments
1045 Deposits Transfer Transactions
9022 Check Digit Enquiry