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BCC: BR: 107/152 March 31, 2015

MASTER CIRCULAR TO ALL DOMESTIC BRANCHES / OFFICES

Issued by Transaction Banking Department


Baroda Sun Tower, Mumbai
cash.recycler@bankofbaroda.com

Dear Sir,

Re: Introduction of New Cash Recycler Machines (Cash Deposit + ATM Functions)

We are pleased to inform that Bank has started deploying Cash Recycler Machines
(Combination of BNA and ATM) to enhance the Alternate Delivery Channel banking
facilities for our customers. This machine has the additional facility for depositing cash
along with the regular functions of ATM. Customer can deposit cash in his / her account
through his / her Debit card or by using his / her Account Number on
24 x 7 basis through Cash Recycler machines.

This is one more customer centric Alternate Delivery Channel offered by our Bank for the
customers.

Functionalities Available in our Banks Cash Recycler Machine are as follows:

1. CASH DEPOSIT:

This facility is presently available only to customers of our Bank.


Denominations acceptable by these machines are Rs. 100, Rs. 500 and Rs.
1000.
All variants of our Banks Debit Cards are acceptable for depositing the cash.
Customer can deposit the Cash in Cash Recycler through Debit Card as well as
without using a Debit Card (Card less transaction).

1.1 Cash Deposit with Card Transaction:

Daily transaction limit for account without PAN (Permanent Account Number)
registered in CBS is Rs. 49,900/-. There is no restriction on number of
transactions of cash deposit till daily limit of Rs. 49,900/- is reached. This limit
also includes the cash deposited over the counter at the branches.

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% *+ Transaction Banking Department, Page 1 of 12
     
Baroda Sun Tower, 7th Floor, Bandra Kurla Complex, Bandra (E), Mumbai - 400 051
Phone: 022-6698 3229 Deptt: CM-022-6698 1576;  Fax:  6698 1591
Email:cash.recycler@bankofbaroda.com .
Daily transaction limit with PAN registered in CBS is Rs. 2,00,000/- without any
restriction on number of transactions. This limit also includes the cash deposited
over the counter at the branches.
Customer can deposit the cash in Savings / Current / Cash Credit / Overdraft
account through Debit Card based transaction. (i.e. Accounts linked to
respective Debit Cards)

1.2 Cash Deposit without Card Transaction:


CASH RECYCLER machine facilitates customer to deposit the Cash in Savings /
Current / Cash Credit / Overdraft account by giving the account number (Card-less
Transaction), where per transaction & per day limit is of Rs. 20,000/-. This limit also
includes the cash deposited over the counter at the branches.

Process flow for Cash Deposit transaction on CASH RECYCLER for Banks
customers:

(A) Cash Deposit Using Debit Card:


Customer visits CASH RECYCLER with his / her Debit Card and select Cash
deposit functionality.
Customer then selects the Language, Cash Deposit option and enters the PIN.
Finacle checks the account number and whether PAN is registered in Finacle.
If PAN number is available in CBS then CASH RECYCLER will display the daily
deposit limit of Rs. 2,00,000/- to the customer for depositing the cash (in case the
customer has not deposited any amount over the counter) or permissible limit
available (in case the customer has deposited any amount over the counter).
If PAN is not available in CBS then CASH RECYCLER will display the daily
deposit limit of Rs. 49,900/- to the customer for depositing the cash (in case the
customer has not deposited any amount over the counter) or permissible limit
available (in case the customer has deposited any amount over the counter) on
the screen.
In case of the above steps, if customer deposits over the permissible limit then the
CASH RECYCLER will reject the transaction and Currency Notes will be
presented back to the customer (The entire deposit is returned back to the
customer).
Upon Cash deposit by the customer, CASH RECYCLER counts the notes and
displays the denomination wise count and the total amount inserted in CASH
RECYCLER for deposit. Customer has to confirm the same.
Once the customer confirms the amount and the number of notes, the account
type selection and multiple accounts selection (if linked) is shown to the customer
for deposit, otherwise primary account linked with the Debit Card is credited.
CBS will perform the validation on the transaction and send the successful
response to BASE24 if the processing is successful.

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% *+ Transaction Banking Department, Page 2 of 12
     
Baroda Sun Tower, 7th Floor, Bandra Kurla Complex, Bandra (E), Mumbai - 400 051
Phone: 022-6698 3229 Deptt: CM-022-6698 1576;  Fax:  6698 1591
Email:cash.recycler@bankofbaroda.com .
The successful
response will be sent to CASH RECYCLER and corresponding message will be
displayed on the CASH RECYCLER.
CASH RECYCLER receipt will be generated with the transaction details and
available balance in the account.
In case the transaction is not successful, appropriate receipt will be given to
customers with Transaction decline codes as in case of ATM transaction.
Fake / Suspicious Currency Note/s is/are impounded and receipt will be
accordingly printed by CASH RECYCLER.

(B) Cash Deposit Without using Debit Card (Card-less transaction):


After the Welcome screen, the customer will press a pre-defined CASH
RECYCLER button for card-less Cash Deposit transaction
Customer is prompted to enter the 14-digit account number.
Customer re-enters the 14-digit account number.
Customers name will be displayed for confirmation.
After confirmation, the cash slot will open.
Customer puts in cash in denominations of ` 100 `500 `1000 only.
CASH RECYCLER counts the notes and displays the count and the total amount
on the screen (denomination wise) for confirmation.
At this stage, if desired, Customer can also add more cash by selecting ADD
CASH option.
Customer selects the option Confirm to deposit the cash into the account.
Your Cash is accepted message is displayed on the screen and amount instantly
gets credited into the account.
CASH RECYCLER receipt is generated.
In case, if customer deposits amount over the permissible limit, the CASH
RECYCLER will reject the transaction and the notes are presented back to
the customer. (The entire deposit is returned back to the customer).
In case the transaction is not successful, appropriate receipt will be given to the
customers with Transaction decline codes as in case of ATM.
Fake / Suspicious Currency Note/s is/are impounded and receipt will be
accordingly printed by CASH RECYCLER.

At present CASH RECYCLER machines are not configured to accept Cash Deposit for
NRE / NRO and Loan Accounts. Furthermore, Cash can NOT be deposited in Dormant &
In-active accounts through CASH RECYCLER.

2. CASH DISPENSER (WITHDRAWAL)

This facility is exactly like ATM operations. The Cash Recycler can also dispense
cash deposited by customers using Cash Acceptor facility.
Note:
At present withdrawal facility from cash recycler is enabled for our bank customers
only. Later on this facility will be available for other bank card holders as well.

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% *+ Transaction Banking Department, Page 3 of 12
     
Baroda Sun Tower, 7th Floor, Bandra Kurla Complex, Bandra (E), Mumbai - 400 051
Phone: 022-6698 3229 Deptt: CM-022-6698 1576; OFax: 6698 1591
Email:cash.recycler@bankofbaroda.com .
3. Other Transactions supported at Cash Recycler machine are Balance Enquiry,
PIN Change and Mini Statement for our Banks Debit Card holders.

Mode of reconciliation and the cut-off time of reconciliation:


This process will be carried out whenever cash is withdrawn at the time of unloading or
emptying the cassettes from CASH RECYCLER, as part of Centralised Reconciliation
Process of CASH RECYCLER, reconciliation process will be carried by Debitcard
Reconciliation Team, Jogeshwari, Mumbai.

For all cash dispute complaints of customers, calls to be lodged online through BRM
module, reconciliation will be done after 2 working days of lodgement of calls.

Roles and Responsibilities:

A. Nodal Branch / Currency Chest

Currency Chest officials will accept the currency notes of AB (Acceptor BinATM Unfit
Currency) cassette and tally with machine generated slip and Field Loading Report (FLR)
given by CRA and subsequently in revised C3R report for ATM Unfit and Retracted
currency.

Ensure daily receipt of C3R report from CRA


The applicable entries / schedules as the case may be to be generated daily to
enable BOBCARDs Reconciliation Team to resolve customer complaints.
(Accounting entries to be passed as per ANNEXURE 1)
Reconciliation of Cash with ATM Agency Account to be done on daily basis.
Currency Chest officials have to accept impounded Fake / Suspect / Counterfeit
currency notes from CRA found in URJB (Upper Reject Bin) and verify and tally the
currency with machine generated slip, denomination wise and note-down in the
register with all details.
CRA will submit EJ print of all transactions related to Fake / Suspect / Counterfeit
currency notes impounded by Cash Recycler with account number and card number
details of beneficiary account holder for providing credit to beneficiary account as per
extant RBI Guidelines.
Currency Chest officials will have to follow all the prevailing procedures and
guidelines mentioned in the circulars issued time by time by Currency Chest & Cash
Management Department, H.O, Baroda regarding reporting of Counterfeit Notes,
Compensation, Penalties & Accounting Procedures.

B. Base Branch

Take possession of Shipping Hardware (plates & screws), 2 sets of Keys and 20
Receipt Print rolls (with Bank Name in front and Banks Advertisement at back) from
Lipi Installation Engineer after successful installation of CASH RECYCLER.

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% *+ Transaction Banking Department, Page 4 of 12
     
Baroda Sun Tower, 7th Floor, Bandra Kurla Complex, Bandra (E), Mumbai - 400 051
Phone: 022-6698 3229 Deptt: CM-022-6698 1576; OFax: 6698 1591
Email:cash.recycler@bankofbaroda.com .
Check accounting details of cash deposited in Cash Recycler, like Credit to
customer account and Debit BNA pool account of beneficiary account
(XXXX0031101154).
Hand-over the Cash Recycler to authorised CRA by giving one set of machine keys
(one set to be retained with branch and be kept in Joint Custody in line with extant
guidelines), reset of combination lock of machine vault with help of Lipi engineer and
take written take over form for their record.
Log calls for cash dispute of customers with BOBCARDs Recon Team.
Log calls for machine related issue with MS vendor M/s Lipi Data System Call
Centre (Details are hereunder in the Circular).

C. Cash Replenishment Agency (CRA)Diebold:

CRA will perform cash loading / unloading of Cash Recycler on daily basis.
CRA will perform Admin transactions.
CRA will prepare Field Loading Report and take out Machine generated counter
slips at the time of cash unloading process and keep 100 currency notes in each
Recycler Bin. The remaining currency notes from Recycler Bins (ATM Fit) can be
used by CRA for loading in other ATMs
CRA will submit EJ print of all transactions related to Fake / Suspect / Counterfeit
currency notes impounded by Cash Recycler with account number and card number
details of beneficiary account holder for providing credit as per extant RBI
Guidelines along with impounded currency notes
CRA is responsible for First Level Maintenance (FLM) which includes change of RP
and clearance of jams.
If FLM is unable to make Cash Recycler operational, it is job of MS Vendor (DSPL)
to log call for SLM (Lipi) with proper error code or failure details.
CRA will use the admin card for making switch counters zero at the time of cash
unloading.

D. Lipi Data Systems:

Second Level of Maintenance of BNA / Cash Recycler will be done by Lipi


Engineers
Preventive Maintenance of Cash Recycler will be done by Lipi engineer, once every
3 months by logging call for the same by controlling branch and keeping record of
the service done.
The escalation matrix of Lipi Data System Ltd

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% *+ Transaction Banking Department, Page 5 of 12
     
Baroda Sun Tower, 7th Floor, Bandra Kurla Complex, Bandra (E), Mumbai - 400 051
Phone: 022-6698 3229 Deptt: CM-022-6698 1576; OFax: 6698 1591
Email:cash.recycler@bankofbaroda.com .
Call Logging:

1. Diebold Systems Pvt Ltd


Toll free number: - 1800-209-2653 or 1800-222-653
E Mail: IND.BOBIM@diebold.com & DL-India-BOBIM@diebold.com

2. Lipi Data Systems

Toll Free number 1800-266-2777


Landline 022-67545700
E-mail callcenter.atm@lipidata.in

3. BOBCARDS Reconciliation Team


Landline: 022-42068688, 42068683
E-mail: debitcardrecon@bobcards.com

Dispute Resolution:

Provision is made to lodge the customer complaints ON-LINE in respect of BNA / Cash
Recycler transactions in same module which is being currently used for lodging complaints
of ATM transactions. (Details as per ANNEXURE 2)

Cash Verification in Cash Recycler:


Periodic verification of cash should be done as per extant guidelines.(same as in ATM)

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% *+ Transaction Banking Department, Page 6 of 12
     
Baroda Sun Tower, 7th Floor, Bandra Kurla Complex, Bandra (E), Mumbai - 400 051
Phone: 022-6698 3229 Deptt: CM-022-6698 1576; OFax: 6698 1591
Email:cash.recycler@bankofbaroda.com .
Types of BINs in Cash Recycler

RB RECYCLER BIN:
Contains ATM Fit Currency Notes used for all withdrawal transactions and loading
to other ATMs.
Total 4 cassettes of Recycler Bin (RB) are available in New Cash Recycler model
SR-7500
AB ACCEPTOR BIN:
Contains ATM Un-Fit Currency Notes
URJB UPPER REJECT BIN:
Contains Fake / Suspect / Counterfeit currency notes impounded by Cash Recycler.

Training & Hand holding support:

Lipi field engineer will provide on-site training to branch officials and authorized CRA
representative for Dos and Donts regarding Cash Recycler functions and cash loading and
unloading process and admin transactions & cash recycler EOD process. Lipi will also
provide the Hand Holding support (guiding customers / depositors) for first 25 days after
installation date.

Branches are advised to create awareness of the new CASH RECYCLER functionalities
among staff members and all customers.

We trust, Cash Recycler Machine will go a long way in diverting customers from branches
to Alternate Delivery Channels.

Yours faithfully,

-Sd/-

(K Venkateswarlu)
General Manager
Transaction Banking

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% *+ Transaction Banking Department, Page 7 of 12
     
Baroda Sun Tower, 7th Floor, Bandra Kurla Complex, Bandra (E), Mumbai - 400 051
Phone: 022-6698 3229 Deptt: CM-022-6698 1576; OFax: 6698 1591
Email:cash.recycler@bankofbaroda.com .
ANNEXURE 1

Example of Cash Unloading/Loading Process and Corresponding Accounting


Entries:

Cash Recycler id: 1CAMHMU02 (MULWES) DATE:


19-01-2015
NODAL BRANCH: BKC, Mumbai
Cash in Cash Cash Taken AB Cash Fake/
Recycler Box Retained in out by CRA Deposited in Counterfe
(ATM FIT Recycler Box (2 or 3/4) C.C (ATM it
CURRENCY) UN-FIT)
(5/6)
Denominatio Cash in Value Cash Value TOTAL TOTAL AB- AB- URJB
n Recycle retaine - VALUE COUN Value
r Box- d COUN T
count T
100 1729 172900 500 50000 1229 122900 446 44600 -
500 1829 914500 100 50000 1729 864500 217 10850 1
0
1000 446 446000 100 10000 346 346000 4 4000 -
0
TOTAL 4004 153340 700 20000 3304 133340 667 15710 1
0 0 0 0

Accounting Entries:

1. Amount withdrawn from bank and added to cash recycler: (Column O in


C3R i.e. Machine Cl. Bal as per ATM Counters)
Cash Loading: NIL
Schedule Type Z
Debit: IBTA (DRCARD)
Credit: GL CASH WITH ATM AGENCY A/C

2. Remaining amount in Cash Recycler taken to vault by AgencyRecycler Box:


(Column T in C3R i.e. New Load as per switch Counter)
Schedule Type I
Debit: GL CASH WITH ATM AGENCY A/C Rs. 1333400/-
Credit: IBTA (DRCARD) Rs. 1333400/-

3. Remaining amount in Cash Recycler handed over to nodal branchRecycler


Box:
(Column T in C3R i.e. New Load as per switch Counter)
Schedule Type No Schedule
Debit: Cash in Hand A/C Rs. 1333400/-

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% *+ Transaction Banking Department, Page 8 of 12
     
Baroda Sun Tower, 7th Floor, Bandra Kurla Complex, Bandra (E), Mumbai - 400 051
Phone: 022-6698 3229 Deptt: CM-022-6698 1576; OFax: 6698 1591
Email:cash.recycler@bankofbaroda.com .
Credit: GL CASH
WITH ATM AGENCY A/C Rs. 1333400/-

4. To Transfer amount referred in point 3 above to Recon Dept. (DRCARD)


CONTRA
Schedule Type I
Debit: GL CASH WITH ATM AGENCY A/C Rs. 1333400/-
Credit: IBTA (DRCARD) Rs. 1333400/-

5. AB cash handed over to nodal branch (Column R in C3R i.e. Total Cash in
BNA)
Schedule Type No Schedule
Debit: Cash in Hand A/C Rs. 157100/-
Credit: GL CASH WITH ATM AGENCY A/C Rs. 157100/-

6. To Transfer amount referred in point 5 above to Recon Dept. (DRCARD)


CONTRA
Schedule Type I
Debit: GL CASH WITH ATM AGENCY A/C Rs. 157100/-
Credit: IBTA (DRCARD) Rs. 157100/-

Accounting entry for cash in URJB (Impounded currency):

After receiving details of beneficiary account from CRA (EJ Print) and/or from BOBCARDs
Recon Team, Nodal branch to provide credit to the beneficiary account as per extant
guidelines of RBI and as per the circulars / guidelines issued by H.O, Baroda.

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% *+ Transaction Banking Department, Page 9 of 12
     
Baroda Sun Tower, 7th Floor, Bandra Kurla Complex, Bandra (E), Mumbai - 400 051
Phone: 022-6698 3229 Deptt: CM-022-6698 1576; OFax: 6698 1591
Email:cash.recycler@bankofbaroda.com .
ANNEXURE 2

Customer complaints regarding the deposit of money through RECYCLER but not
credited to account OR less credited to account, may be lodged in BRM module
which is being currently used for lodging complaints of ATM and reconciled by
BOBCARDS Reconciliation team with the help of EJ. Branches may view the DVR
image of the transaction to know who has deposited the cash in RECYCLER.

URL for register customer complaint is: - 172.16.202.90:8081/brm


User Id: Branch Alpha
Password: To be entered by branch(currently used for lodging ATM complaints)
After login click to Genius Solutions Suite and click on Debitcard option where BNA link will
appear from which customer complaint in respect of BNA transaction can be lodged.

Steps for lodging the complaint related to non depositing of cash in cash recycler.

Step 1- Login to DCMS portal with user ID and Password allotted to your branch
Step 2- Go to Debit Card -> BNA -> CRM -> COMPLAINT REGISTER

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% *+ Transaction Banking Department, Page 10 of 12
     
Baroda Sun Tower, 7th Floor, Bandra Kurla Complex, Bandra (E), Mumbai - 400 051
Phone: 022-6698 3229 Deptt: CM-022-6698 1576; OFax: 6698 1591
Email:cash.recycler@bankofbaroda.com .
Step 3: - Fill up the required details in all the fields. There are four options currently
available for lodging complaint i.e.

Cash Accepted by BNA but not credited FULL


Cash Accepted by BNA but not credited PARTIAL
Cash not DISPENSED by BNA but not credited FULL
Cash not DISPENSED by BNA but not credited PARTIAL

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% *+ Transaction Banking Department, Page 11 of 12
     
Baroda Sun Tower, 7th Floor, Bandra Kurla Complex, Bandra (E), Mumbai - 400 051
Phone: 022-6698 3229 Deptt: CM-022-6698 1576; OFax: 6698 1591
Email:cash.recycler@bankofbaroda.com .
Step -4 After submitting the details system will prompt complaint no. please note down
the complaint no for further follow up.

If you are not getting option for lodging complaint in CRM module please send mail to
debitcardrecon@bobcards.com or debit_settlement@bobcards.com or you may contact
over phone no 022-42068693/4 & 022-42068688.

If any support required from our office feel free to contact us on


cash.recycler@bankofbarod.com or call us on 022-66983229.

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% *+ Transaction Banking Department, Page 12 of 12
     
Baroda Sun Tower, 7th Floor, Bandra Kurla Complex, Bandra (E), Mumbai - 400 051
Phone: 022-6698 3229 Deptt: CM-022-6698 1576; OFax: 6698 1591
Email:cash.recycler@bankofbaroda.com .