Finacle 10 Guidance PDF

Finacle Core Job Cards
Document Revision list

Version number Date Description
th
1.0 24 May 2017 Original Version
Job Card – Finacle Core <Bank Name >
© 2017Edgeverve System Limited. Strictly private and confidential. No part of this

document should be reproduced or distributed without the prior permission of I
Edgeverve System Limited.
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Table of Contents
1. CIF 11
1.1 Create Retail CIF ...................................................................................................................... 11
1.2 Verify CIF Retail ....................................................................................................................... 12
1.3 Modify Retail Customer Data .................................................................................................. 13
1.4 Create Corporate CIF ............................................................................................................... 13
1.5 Verify CIF Corporate ................................................................................................................ 15
1.6 Modify Corporate Customer Data ........................................................................................... 15
1.7 Suspend a CIF .......................................................................................................................... 16
1.8 Unsuspend CIF ......................................................................................................................... 17
1.9 Inquire on CIF – 360 degree view ............................................................................................ 17
1.10 CIF into Core ............................................................................................................................ 18
2. CASA 19
2.1 Account opening – Savings account ........................................................................................ 19
2.2 Account opening – Current account ....................................................................................... 23
2.3 Issue Cheque book – Inventory Maintained in Finacle ........................................................... 27
2.4 Verification of Cheque Book Issue .......................................................................................... 27
2.5 Issue Cheque book – Inventory not Maintained in Finacle ..................................................... 27
2.6 Verification of Cheque Book Issue .......................................................................................... 28
2.7 Stop Payment .......................................................................................................................... 28
2.8 Verify Stop Payment ................................................................................................................ 28
2.9 Revoke Stop Payment ............................................................................................................. 29
2.10 Mark a Lien .............................................................................................................................. 29
2.11 Verify Lien Marking ................................................................................................................. 30
2.12 Release Lien Marking .............................................................................................................. 30
2.13 Freeze an Account ................................................................................................................... 30
2.14 Verify Freeze............................................................................................................................ 31
2.15 Unfreeze an Account ............................................................................................................... 31
2.16 Adhoc Account Statement Print .............................................................................................. 31
2.17 Issue and Print Passbook ......................................................................................................... 32
2.18 Close an Account ..................................................................................................................... 32
2.19 Verify Closure of Account ........................................................................................................ 32
2.20 Inquire the account details...................................................................................................... 32
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3. Signature Verification ............................................................................................................. 34

3.1 Add signature and photograph ............................................................................................... 34
3.2 Verification of signature and photograph added .................................................................... 35
3.3 Signature and photograph verification while performing transaction ................................... 35
3.4 Signature and photograph verification from SVS .................................................................... 36
3.5 Maintain Rules ......................................................................................................................... 36
3.6 Verify Rules .............................................................................................................................. 37
3.7 Map Account Rules.................................................................................................................. 37
3.8 Verify Mapped Account Rules ................................................................................................. 37
4. Transactions ............................................................................................................................ 38
4.1 Create Cash transaction .......................................................................................................... 38
4.2 Post the Cash Transaction ....................................................................................................... 38
4.3 Create Transfer Transaction .................................................................................................... 39
4.4 Verify Transfer Transaction ..................................................................................................... 39
4.5 Transaction Reversal ............................................................................................................... 40
4.6 Transaction Reversal Verification ............................................................................................ 40
4.7 Financial Transactions Inquiry ................................................................................................. 41
4.8 General Charge Collection ....................................................................................................... 41
4.9 Charge Transaction Reversal ................................................................................................... 41
5. Demand Drafts ........................................................................................................................ 43

5.1 Demand Draft Issuance ........................................................................................................... 43
5.2 Demand Draft Print ................................................................................................................. 44
5.3 Demand Draft Cancellation ..................................................................................................... 44
5.4 Payment of Demand Draft ...................................................................................................... 45
5.5 Demand Draft Revalidation ..................................................................................................... 45
5.6 Specific DD Issued Inquiry ....................................................................................................... 46
6. Term Deposit........................................................................................................................... 47
6.1 Account opening – Term Deposit account .............................................................................. 47
6.2 Print Term Deposit Receipt ..................................................................................................... 50
6.3 Modify Term Deposit account ................................................................................................. 51
6.4 Verify Term Deposit account modification ............................................................................. 51
6.5 Renewal of Term Deposit ........................................................................................................ 52
6.6 Verification of Renewal ........................................................................................................... 52
6.7 Trial Closure of TD ................................................................................................................... 52
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6.8 Closure of TD ........................................................................................................................... 53

6.9 Verify Closure of TD ................................................................................................................. 54
6.10 Perform Pending Cash Transaction ......................................................................................... 54
6.11 Perform Term Deposit Transaction Inquire ............................................................................ 54
6.12 Perform Renewal History Inquire ............................................................................................ 55
7. Overdrafts and TOD ................................................................................................................ 56

7.1 Account opening – Overdraft account .................................................................................... 56
7.2 Modify Account Data after account opening .......................................................................... 59
7.3 Account opening...................................................................................................................... 60
7.4 Account Limit Maintenance – DP update................................................................................ 63
7.5 Account Limit Maintenance Verification ................................................................................. 64
7.6 Account Limit Maintenance – Sanction Update ...................................................................... 64
7.7 Account Limit Maintenance Verification ................................................................................. 65
7.8 Grant UG TOD .......................................................................................................................... 65
7.9 Verify UG TOD ......................................................................................................................... 65
8. Limits and Collaterals .............................................................................................................. 67

8.1 Limit Node Creation ................................................................................................................ 67
8.2 Verify Limit Node Creation ...................................................................................................... 68
8.3 Modify Limit Node ................................................................................................................... 68
8.4 Lodgement of Collateral – Immovable Property ..................................................................... 69
8.5 Verify Lodgement of Collateral ............................................................................................... 69
8.6 Lodgement of Collateral – Inventory /Book Debts.................................................................. 70
8.7 Substitute Lodged Collateral ................................................................................................... 70
8.8 Modify Lodged Collateral ........................................................................................................ 71
8.9 Linkage of Collateral to Limit ................................................................................................... 71
8.10 Verify Linkage of Collateral to Limit ........................................................................................ 72
8.11 Modify Collateral linked to Limit /Account ............................................................................. 72
8.12 Delink Collateral from Limit /Account ..................................................................................... 73
8.13 Limit Node Inquire ................................................................................................................... 74
8.14 Limit Node Details Inquire ....................................................................................................... 74
8.15 Collateral Lookup Inquire ........................................................................................................ 74
9. Retail Loan............................................................................................................................... 75
9.1 Account opening – Retail Loan ................................................................................................ 75
9.2 Loan account modification ...................................................................................................... 79
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9.3 Loan account modification verification ................................................................................... 80

9.4 Inquire the loan details ........................................................................................................... 80
9.5 Perform disbursement ............................................................................................................ 80
9.6 Perform verification of disbursement ..................................................................................... 81
9.7 Inquire loan account ledger .................................................................................................... 82
9.8 Reversal of loan disbursement ................................................................................................ 82
9.9 Print loan account statement .................................................................................................. 83
9.10 Print loan repayment schedule ............................................................................................... 83
9.11 Perform assessment of fee...................................................................................................... 83
9.12 Perform collection of Fee ........................................................................................................ 84
9.13 Inquire loan fee collected ........................................................................................................ 84
9.14 Perform loan fee waiver .......................................................................................................... 85
9.15 Perform verification of loan fee waiver .................................................................................. 85
9.16 Perform refund of waived fee ................................................................................................. 85
9.17 Perform scheduled payment ................................................................................................... 86
9.18 Perform verification scheduled payment ................................................................................ 86
9.19 Inquire loan overdue position inquire..................................................................................... 87
9.20 Perform unscheduled payment............................................................................................... 87
9.21 Perform verification of unscheduled payment ....................................................................... 87
9.22 Perform payoff of loan account .............................................................................................. 88
9.23 Perform verification payoff ..................................................................................................... 88
9.24 Inquire loan account balance .................................................................................................. 89
9.25 Closure of loan account ........................................................................................................... 89
9.26 Verification of loan account closure........................................................................................ 89
9.27 Perform reschedule of loan account ....................................................................................... 90
9.28 Perform verification reschedule of loan account .................................................................... 91
10. Commercial Loan .................................................................................................................... 92

10.1 Account opening – Commercial Loan...................................................................................... 92
10.2 Loan account modification ...................................................................................................... 96
10.3 Loan account modification verification ................................................................................... 97
10.4 Perform drawdown schedule maintenance ............................................................................ 97
10.5 Perform drawdown ................................................................................................................. 97
10.6 Perform verification of drawdown .......................................................................................... 98
10.7 Inquire loan account ledger .................................................................................................... 98
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10.8 Reversal of drawdown............................................................................................................. 99

10.9 Print loan account statement .................................................................................................. 99
10.10 Print loan repayment schedule ............................................................................................... 99
10.11 Perform assessment of fee.................................................................................................... 100
10.12 Perform collection of Fee ...................................................................................................... 100
10.13 Inquire loan fee collected ...................................................................................................... 101
10.14 Perform loan fee waiver ........................................................................................................ 101
10.15 Perform verification of loan fee waiver ................................................................................ 101
10.16 Perform refund of waived fee ............................................................................................... 102
10.17 Perform commercial lending scheduled payment ................................................................ 102
10.18 Perform verification of commercial lending scheduled payment ......................................... 103
10.19 Inquire loan overdue position inquire................................................................................... 103
10.20 Perform commercial lending unscheduled payment ............................................................ 103
10.21 Perform verification of commercial lending unscheduled payment..................................... 104
10.22 Perform payoff of loan account ............................................................................................ 104
10.23 Perform verification payoff ................................................................................................... 105
10.24 Inquire loan account balance ................................................................................................ 105
10.25 Closure of loan account ......................................................................................................... 106
10.26 Perform rescheduling of commercial loan account .............................................................. 106
10.27 Perform verification of rescheduling of commercial loan account ....................................... 107
10.28 Perform Auto account opening for Debt consolidation ........................................................ 107
10.29 Perform Debt consolidation .................................................................................................. 108
10.30 Perform Auto account opening for loan crystallisation ........................................................ 108
10.31 Perform loan crystallisation .................................................................................................. 109
11. Rate Maintenance ................................................................................................................. 111

11.1 Maintain rate list ................................................................................................................... 111
11.2 Verification of rate list maintained ....................................................................................... 111
11.3 Rate list history inquire ......................................................................................................... 112
11.4 Upload rates .......................................................................................................................... 112
12. Forward Contract .................................................................................................................. 113

12.1 Booking of forward contract ................................................................................................. 113
12.2 Verification of forward contract booked............................................................................... 114
12.3 Inquire forward contract ....................................................................................................... 114
12.4 Print forward contract note .................................................................................................. 115
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12.5 Cancel forward contract ........................................................................................................ 115

12.6 Extension of forward contract............................................................................................... 116
12.7 Inquire on forward contract .................................................................................................. 117
13. Bank Guarantee .................................................................................................................... 118

13.1 Issuance of BG ....................................................................................................................... 118
13.2 Verification of BG Issuance.................................................................................................... 119
13.3 Inquire Outward BG............................................................................................................... 120
13.4 Print Bank Guarantee ............................................................................................................ 121
13.5 Amendment of Outward BG.................................................................................................. 121
13.6 Verification of BG Amendment ............................................................................................. 122
13.7 Perform Amendment status maintenance............................................................................ 123
13.8 Mark Invoke BG ..................................................................................................................... 124
13.9 Verification of Mark invoke Amendment .............................................................................. 124
13.10 Perform Invocation................................................................................................................ 125
13.11 Perform Reversal of BG ......................................................................................................... 126
13.12 Inquire Outward BG............................................................................................................... 126
13.13 Perform Reversal of BG ......................................................................................................... 127
13.14 Closure of BG ......................................................................................................................... 127
13.15 Advice of BG .......................................................................................................................... 128
13.16 Verification of BG Advise ....................................................................................................... 129
13.17 Inquire Inward BG ................................................................................................................. 130
13.18 Amendment of Inward BG..................................................................................................... 130
13.19 Verification of BG Amendment ............................................................................................. 132
13.20 Perform Amendment status maintenance............................................................................ 133
13.21 Inquire Inward BG ................................................................................................................. 133
14. Preshipment Finance ............................................................................................................ 134

14.1 Pre-shipment Account opening ............................................................................................. 134
14.2 Modification before verification ........................................................................................... 135
14.3 Account opening verification ................................................................................................ 136
14.4 Modify Account Data after account opening ........................................................................ 136
14.5 Verify Account Data Modification ......................................................................................... 136
14.6 Maintain Purchase Order ...................................................................................................... 137
14.7 Verification of purchase order maintained ........................................................................... 138
14.8 Disbursement ........................................................................................................................ 138
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14.9 Verification of disbursement ................................................................................................. 139

14.10 Inquire Account Ledger ......................................................................................................... 139
14.11 Inquire Preshipment Credit Interest Inquire ......................................................................... 140
14.12 Preshipment Credit Inquire ................................................................................................... 140
15. Documentary Credit .............................................................................................................. 141

15.1 Issuance of DC ....................................................................................................................... 141
15.2 Verification of DC Issuance.................................................................................................... 143
15.3 Inquire Outward DC............................................................................................................... 144
15.4 Amendment of Outward DC .................................................................................................. 145
15.5 Verification of Outward DC Amendment .............................................................................. 146
15.6 Perform Outward Amendment status maintenance ............................................................ 147
15.7 Inquire Outward DC............................................................................................................... 148
15.8 Perform Non bill utilization of Outward DC ........................................................................ 148
15.9 Perform Reinstatement of Outward DC.............................................................................. 148
15.10 Perform Closure of Outward DC ......................................................................................... 149
15.11 Advise DC ............................................................................................................................... 149
15.12 Verification of Advised DC ..................................................................................................... 152
15.13 Inquire Inward DC.................................................................................................................. 153
15.14 Amendment of Inward DC..................................................................................................... 153
15.15 Verification of Inward DC Amendment ................................................................................. 154
15.16 Perform Inward Amendment status maintenance ............................................................... 155
15.17 Inquire Inward DC.................................................................................................................. 156
15.18 Transfer Inward DC................................................................................................................ 156
15.19 Inquire Documentary Credit.................................................................................................. 157
16. Bills 158

16.1 Export Bill Lodgement – Without DC..................................................................................... 158
16.2 Verification of Export Bill Lodgement ................................................................................... 160
16.3 Inquire Export Bill .................................................................................................................. 161
16.4 Print Bill Advice...................................................................................................................... 162
16.5 Amend Export Bill .................................................................................................................. 162
16.6 Accept Export Bill .................................................................................................................. 163
16.7 Purchase Export Bill ............................................................................................................... 164
16.8 Realisation of Export Bill........................................................................................................ 165
16.9 Dishonor Export Bill ............................................................................................................... 166
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16.10 Export Bill Recovery............................................................................................................... 167

16.11 Export Bill Closure ................................................................................................................. 168
16.12 Import Bill Lodgement – Without DC .................................................................................... 168
16.13 Verification of Import Bill Lodgement ................................................................................... 171
16.14 Inquire Import Bill ................................................................................................................. 172
16.15 Print Bill Advice...................................................................................................................... 173
16.16 Bill of Entry Maintenance ...................................................................................................... 173
16.17 Amend Import Bill ................................................................................................................. 174
16.18 Accept Import Bill .................................................................................................................. 175
16.19 Realisation of Import Bill ....................................................................................................... 176
16.20 Dishonor Import Bill .............................................................................................................. 177
16.21 Import Bill Closure ................................................................................................................. 178
17. Remittance – Outstation cheque .......................................................................................... 179

17.1 Cheque Lodgement ............................................................................................................... 179
17.2 Verification of Cheque Lodgement ....................................................................................... 181
17.3 Inquire Inward Remittance.................................................................................................... 183
17.4 Purchase Cheque ................................................................................................................... 183
17.5 Realisation of Cheque............................................................................................................ 184
17.6 Mark Dishonor Cheque ......................................................................................................... 185
17.7 Recovery of Cheque due ....................................................................................................... 186
17.8 Remittance Closure ............................................................................................................... 187
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1. CIF
1.1 Create Retail CIF
For creation of retail customer, the user has to first login to the CRM module and in the
“Functions” tab, select “CIF Retail”. On expanding the “CIF Retail” folder, the sub functions get displayed as
below -
 Audit Trail
 Edit Entity
 Entity Queue
 New Entity
 Operations
 Relationship Manager Maintenance
General Details
1. Login to finacle as Admin and select the function as CIF Retail ->New entity ->Customer.
2. The General details screen is displayed with Basic Info Tab.
3. Select the Gender from the drop down list.
4. Enter the First name, Middle name, Last Name. Last name is mandatory.
5. Enter theShort name and Preferred Name. These are mandatory fields.
6. Click the calendar to enter the Date of Birth.
7. Select the Minority Indicator as Yes or No.
8. Select the Non-resident indicator as Yes or No.
9. Select the Staff Indicator as Yes, No or Ex-Staff.
10. Select the Primary SOL ID from the searcher.
11. Select the Segment and Sub-segment from the searcher.
12. Select the Availed trade services as Yes or No.
13. Select the region from the searcher.
14. Select the Tax deducted at source from the searcher.
15. Purge allowed is auto selected as No.
16. Select the preferred locale from the searcher.
17. Select the enable e-banking as Yes or No.
18. Select the Native language code from the drop down list.
19. Select the preferred native language from the searcher.
Contact
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20. Under Address, select the preferred address type from the drop down list.
21. To add address details click on Add Address details.
22. Under Phone and E-mail, Select the Preferred Contact No. Type from the drop down list.
23. Select the preferred E-mail ID from the drop down list.
24. Click on Add phone and E-mail to add the Preferred phone and email with details.
25. Click Save.
26. Click Submit.
Identification Document details
27. Click on Add identification document details.
28. Enter the details such as Document type, Document Code, Place of issue, Country of Issue, Issue
date, Unique ID.
29. Click Save.
Currency
30. Click on Add CCY to add a Currency from the searcher.
31. Click Save.
32. Click Submit.
33. The Customer QDE is submitted successfully. CIF is generated.
34. Click Ok after taking note of the CIF.
1.2 Verify CIF Retail
1. Under CIF retail Click on Entity Queue.

2. Select the Tray type as Business Center group.
3. Click on Submit.
4. List of CIF’sto be processed are displayed.
5. Select the record to be verified.
6. Now do a Right ClickEntity Get as Assignee. By doing this the Entity is moved to the self-tray of
the approver.
7. Click Ok.
8. Select your record in the right end by ticking the check box.
9. Click on Current process step.
10. A hyper link Approval with process time is shown. Click on it.
11. A new window opens. Select Decision as Approve from the drop down
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12. Click on Save approval form.
1.3 Modify Retail Customer Data
Use this screen to type certain conditions and enable the system to search, view and edit customer, prospect,
contact, or non-customer records. The search entity screen lists the entity details which can be edited. The
General, Demographic, Psychographic and other details can be edited using this menu.
CRMFUNCTIONS CIF RETAIL  EDIT ENTITY
1. Navigate to Edit Entity and select the Entity type and enter the CIF ID for modification.
2. Click Submit.
3. The search results are displayed.
4. Right click the CIF IDand select the Edit option.
5. Select the details to be modified.
Note: A Supervisor needs to verify the record submitted for modification.
1.4 Create Corporate CIF
A corporate CIF entity who maintains an account with the bank as a main account holder is referred to as
corporate customer. For example, a corporate CIF ID maintains current or overdraft account in the name of
the business establishment in Core system. Every corporate customer of the bank is identified with an unique
identifier referred to as CIF ID. The CIF ID is maintained by the bank not withstanding cessation of customer
relationship with the bank, that is, the customer, if reinstated, can continue with the same CIF ID.
General Details
1. Login to finacle as Admin and select the function as CIF Corporate->New entity ->Customer.
2. The General details screen is displayed with Basic Info Tab.
3. Enter the Corporate Name.
4. Enter the Short name.
5. Click the calendar to enter the Relationship Start Date.
6. Select the Assigned Priority from the drop down list.
7. Select the Legal Entity type from the drop down list.
8. Enter the Key Contact Person’s name.
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9. Select the CorporateSegment and Sub-segment from the searcher.

10. Enter the Phone No.
11. Select the Business Type from the searcher.
12. Select the Principal Place of Operation from the searcher.
13. Enter Remarks in the box provided.
14. Enter the Registration No.
15. Click on the calendar to enter the Incorporation Date.
16. Select the Region from the searcher.
17. Select the preferred locale from the searcher.
18. Select the Primary SOL ID from the searcher.
19. Select the Relationship Type as Merger or New.
20. Relationship created by is defaulted as the User ID logged in.
21. Select the Sector and Sub-Sector from the searcher.
22. Enter the Tax ID&DSA ID.
23. Select the Entity Class from the drop down list.
24. Enter the Fund Source.
25. Select the Base CCY from the searcher.
26. Enter the Average annual Income.
27. Select the Native language code from the drop down list.
28. Select Availed trade services as Yes or No.
29. Enter the Primary Relationship ID.
30. Select the enable E-banking as Yes or No.
Contact
31. Under Address, select the preferred address type from the drop down list.
32. To add address details click on Add Address details.
33. Under Phone and E-mail, Select the Preferred Contact No. Type from the drop down list.
34. Select the preferred E-mail ID from the drop down list.
35. Click on Add phone and E-mail to add the Preferred phone and email with details.
36. Click Save.
Identification Document details
37. Click on Add identification document details.
38. Enter the details such as Document type, Document Code, Place of issue, Country of Issue, Issue
date, Unique ID.
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39. Click Save.

Currency
40. Click on Add CCY to add a Currency from the searcher.
41. Click Save.
42. Click Submit.
43. The Customer QDE is submitted successfully. CIF is generated.
44. Click Ok after taking note of the CIF.
1.5 Verify CIF Corporate
1. Under CIF Corporate Click on Entity Queue.

2. Select the Tray type as Business Center group.
3. Click on Submit.
4. List of CIF’sto be processed are displayed.
6. Now do a Right ClickEntity Get as Assignee. By doing this the Entity is moved to the self-tray of
the approver.
7. Click Ok.
8. Select your record in the right end by ticking the check box.
9. Click on Current process step.
10. A hyper link Approval with process time is shown. Click on it.
11. A new window opens. Select Decision as Approve from the drop down
12. Click on Save approval form.
1.6 Modify Corporate Customer Data
1. Navigate to Edit Entity and select the Entity type and enter the CIF ID for modification.
2. Click Submit.
3. The search results are displayed.
4. Right click the CIF ID and select the Edit option.
5. Select the details to be modified.
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1.7 Suspend a CIF
1. Menu: CIF Retail  Operations  Suspension/Undo Suspension.

2. Specify the CIF ID in the column.
3. Click Submit.
4. The system displays the specified CIF ID Record in the tray.
5. Right Click Actions  Suspend customer.
6. The system prompts with a User Interface Screen.
7. Specify the Reason code/s for Suspension.
8. Select the appropriate reason codes from the Available reason codes box.
9. Click on Save Suspend customer.
10. The system prompts with process selection screen.
11. Click on Save ProcessSelection.
12. The System immediately had a pop up for Approval of Suspension.
13. Select the Process name for approval.
14. Click on Save Process Selection.
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1.8 Unsuspend CIF
1. Menu: CIF Retail  Operations  Suspension/Undo Suspension.

2. Specify the CIF ID in the column.
3. Click Submit.
4. The system displays the specified CIF ID Record in the tray.
5. Right Click Actions Undo Suspension.
6. The system prompts with a User Interface Screen.
7. Specify the Reason code/s for Unsuspension.
8. Select the appropriate reason codes from the Available reason codes box.
9. Click on Save Unsuspend customer.
10. The system prompts with process selection screen.
11. Click on Save ProcessSelection.
12. The System immediately had a pop up for Approval of Suspension.
13. Select the Process name for approval.
14. Click on Save Process Selection.
1.9 Inquire on CIF – 360 degree view
1. Use 360-degree summary view to inquire on the customer details.

2. Select the CRM Solution in Finacle.
3. Select admin option for login and submit.
4. From the functions [on the left side] Invoke 360 Degrees view  Search retail Entity.
5. Enter CIF ID.
6. Click Submit.
7. Right click  View 360 Degree Summary.
8. A quadrant showing the customer summary, different customer accounts, incidents, etc.
are displayed. View the necessary details.
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1.10 CIF into Core
1. Enter the HCCFMin the Menu Shortcut field to display the CIF Core Fields Maintenance screen.
2. Select A -Add from the Function drop-down list.
3. Enter the CIF ID created.
4. Click Go.
5. In the General details tab, select the Allow Sweeps as Yes or No.
6. Select Combined Statement as Yes or No.
7. Select the Frequency of Statement to be generated.
8. Set the Payment Order STP Amt. Ceiling.
9. Click Ok.
Note: A Supervisor needs to verify the record submitted for CIF addition into Core.
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2. CASA
2.1 Account opening – Savings account
For customer account opening, the account holder/customer must have a CIF ID. All the general
information related to the customer is captured as a part of CIF ID creation. This reduces the repetitive
entry of information to be given while opening multiple accounts for the same customer. All the
information that are common to all the accounts of a customer is captured at CIF creation level and same
is default populated at account level during opening of a new account for the customer.
1. Enter HOAACSB in the Menu Shortcut field to display the A/c. Opening –Savings screen.
2. Function: Function is Open which is auto selected.
3. CIF ID :Enter the details in the CIF ID
4. SOL ID : SOL IDis defaulted as home SOL of user
5. CCY : CCY (currency code) is defaulted as INR
6. Scheme Code:Enter the Scheme Codeor search from searcher list.
7. Click Go.
8. Click the various tabs and enter the details in the mandatory fields of the tabs.
General details ,Interest details, Scheme details, Related party details is to be mandatorily
entered/should be visited while account opening.
Nomination details tab is mandatory in case of nomination flag is Y at Scheme tab.
Payment System tab is mandatory when interest Credit A/c is selected as Payment System
(In case of FDR).
Optional tabs:
1. MIS codes: It can be entered while account opening for capturing various MIS related
fields.The entry of appropriate codes is useful for generating various MIS reports.
2. Document codes: It can be captured in the Document details tab.
3. FFD parameter: It is visited/entered when customer is giving instruction for opening of FFD
from the excess funds available in the savings account.
4. Other Details :- this is visited when customer is opting for SWIFT statement
5. Account Limits :- It is needed in case of overdraft /cash credit account
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9. Go to General Details tab
Following field is mandatory field to Following field is mandatory and default populated
enter:- .Value of these field has been set universally hence
 Mode of operation : Select the before changing these value, please refer detailed
mode of operation from searcher document.
 Remarks:- Enter appropriate code A/c. Name
in remarks field. A/c. Short Name
A/c. Open Date
A/c. Report Code
Collect Charges ?
Turnover Details ?
Relative to Staff
Cash Exception Limit (Both DR and CR)
Clg. Exception Limit (Both DR and CR)
Xfer Exception Limit (Both DR and CR
Passbook/Statement ?
Dispatch Mode
ECS enabled
Allow Sweeps?
10. Go to Interest details tab :

 Field mentioned in adjacent table will be
mandatory and default populated .Value of Pay Int. ?
these field has been set universally hence Collect Int. ?
before changing these value, please refer Cr % Min/Max
detailed document. Dr % Min/Max
A/c. Pref. Int.(Cr.)
Int. Cr. A/c. Flag
Following field is mandatory field to
Int. Dr. A/c. Flag
enter:-
Int. Rate Code
 Next Interest Calculation Date A/c. Pegged ?
(Cr) - Enter the Next Interest Pegging Review Date
Calculation Date for Credit. Pegging Frequency(Mnths/Days)
 Next Interest Calculation Date 11. Tax
G Category
(Dr) - Enter the Next Interest o to
Calculation Date for Debit. Sch
eme
Det
ails
tab
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 Field mentioned in adjacent table will be mandatory and default

populated .Value of these field has been set universally hence Chq. Allowed?
before changing these value, please refer detailed document. Recover Fee for Cheque Issue .?
Nomination?
Dr. Bal. Limit
Max. Allowed Limit
A/c. Health Code
Note:
 Nomination: Select nomination flag as Yes when nomination details
needs have to be captured.The nomination details can be maintained in the Nomination tab. multiple
nominee can be captured .Guardian details are mandatory if nominee is minor.
12. If Nomination is selected as Y then go to Nomination details tab

 The field mentioned in adjacent table will be mandatory to enter Nomination details
 If Nominee is minor then guardian details is also required to be filled in. Nominee's Name
Relationship
Address
City Code
State Code
Country Code
Postal code
13. Go to Related Party Details
 If account is joint account then joint account holder details is mandatory to enterin Add related party
 Click Submit. System generates account ID.
14. Modification of Account before Verification (Maker user)

Sometimes there may chance that some wrong data  Menu: HOAACMSB
had been entered by maker user during account  Enter the account No and click on Go
opening .if checker found that then steps are  Change the value of the field which in
mentioned in adjacent table to correct . incorrect
 Click on Submit.
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15. Verification of saving account opening (Checker user)

Process for verification of saving account opening is  Menu: HOAACVSB
mentioned in adjacent table.  Mention the account number
 Click on Go
 Visit all the mandatory tabs
 Click on Submit to complete
verification process.
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2.2 Account opening – Current account
1. Enter HOAACCA in the Menu Shortcut field to display the A/c. Opening –Current screen.
3. CIF ID :Enter the details in the CIF ID
4. SOL ID : SOL IDis defaulted as home SOL of user
5. CCY : CCY (currency code) is defaulted as INR
7. Click Go.
General details ,Interest details, Scheme details, Related party details is to be mandatorily
entered/should be visited while account opening.
(In case of FDR).
Optional tabs:
fields.The entry of appropriate codes is useful for generating various MIS reports.
3. FFD parameter: It is visited/entered when customer is giving instruction for opening of FFD
from the excess funds available in the savings account.
4. Other Details :- this is visited when customer is opting for SWIFT statement
5. Account Limits :- It is needed in case of overdraft /cash credit account
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Following field is mandatory field to Following field is mandatory and default populated
enter:- .Value of these field has been set universally hence
 Remarks:- Enter appropriate code A/c. Name
in remarks field. A/c. Short Name
A/c. Open Date
A/c. Report Code
Collect Charges ?
Turnover Details ?
Relative to Staff
Clg. Exception Limit (Both DR and CR)
Xfer Exception Limit (Both DR and CR
Passbook/Statement ?
Dispatch Mode
ECS enabled
Allow Sweeps?

 Field mentioned in adjacent table will be
mandatory and default populated .Value of Pay Int. ?
these field has been set universally hence Collect Int. ?
before changing these value, please refer Cr % Min/Max
detailed document. Dr % Min/Max
A/c. Pref. Int.(Cr.)
Int. Cr. A/c. Flag
Int. Dr. A/c. Flag
enter:-
Int. Rate Code
 Next Interest Calculation Date A/c. Pegged ?
(Dr) - Enter the Next Interest Pegging Review Date
Calculation Date for Debit. Pegging Frequency(Mnths/Days)
Tax Category
11. Go to Scheme Details tab
Chq. Allowed?
Recover Fee for Cheque Issue .?
Nomination?
Dr. Bal. Limit
Max. Allowed Limit
A/c. Health Code
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 Field mentioned in adjacent table will be mandatory and default

populated .Value of these field has been set universally hence
before changing these value, please refer detailed document.
Note:
 Nomination: Select nomination flag as Yes when nomination details needs have to be captured.The
nomination details can be maintained in the Nomination tab. multiple nominee can be captured
.Guardian details are mandatory if nominee is minor.

 If Nominee is minor then guardian details is also required to be filled in. Nominee's Name
Relationship
Address
City Code
State Code
Country Code
Postal code
 If account is joint account then joint account holder details is mandatory to enterin Add related party

Sometimes there may chance that some wrong data  Menu: HOAACMCA
opening .if checker found that then steps are  Change the value of the field which in
mentioned in adjacent table to correct . incorrect
25
15. Verification of saving account opening (Checker user)

Process for verification of saving account opening is  Menu: HOAACVCA
 Click on Go
26
2.3 Issue Cheque book – Inventory Maintained in Finacle
1. Enter HICHB in the Menu Shortcut field to display the Issue Cheque Books screen.
2. Select I - Issue from the Function drop-down list.
3. Enter the A/c ID.
4. Select the Acknowledgement obtainedas Yes or No.
5. Select the Cheque type from the searcher.
6. Enter the Begin Cheque Alpha/From No. and the To End Cheque Alpha/ Srl. No.
7. Click Go.
8. View the details and click the Submit button.
Note: A Supervisor needs to verify the Issuance of Cheque book.
Note: HICHB is used when inventory is maintained in Finacle.
2.4 Verification of Cheque Book Issue
6. Enter HICHBin the Menu Shortcut field to display the Issue Cheque Booksscreen.
7. Select V - Verify from the Function drop-down list.
8. Enter the A/c ID to be verified.
9. Click the Go button.
10. In the Issue cheque book to Account screen Select Yes or No to Collect MICR charge.
11. Click the Submit button.
2.5 Issue Cheque book – Inventory not Maintained in Finacle
1. Enter HICHBA in the Menu Shortcut field to display the Issue Cheque Books screen.
2. Select I - Issue from the Function drop-down list.
3. Enter the A/c ID.
4. Select the Acknowledgement obtainedas Yes or No.
5. CCY (currency code) is defaulted as INR
6. Enter the Begin Cheque Number
7. Click Go.
8. View the details and click the Submit button.
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Note: A Supervisor needs to verify the Issuance of Cheque book.
2.6 Verification of Cheque Book Issue
1. Enter HICHBA in the Menu Shortcut field to display the Issue Cheque Books screen.
3. Enter the A/c ID to be verified.
4. Click the Go button.
5. In the Issue cheque book to Account screen Select Yes or No to Collect MICR charge.
6. Click the Submit button.
2.7 Stop Payment
1. Enter HSPPin the Menu Shortcut field to display the Stop payment processingscreen.
2. Select S – Stop Pay from the Function drop-down list.
3. Type the Account ID for which the stop payment of cheque is to be done.
4. Enter the Begin Cheque No. and No. of leaves.
5. Click Go.
6. Enter thepayee, cheque date and amount details. This is not mandatory.
7. Click on Fee Tab to view the stop payment charges.
8. Click on Submit.
Note: A Supervisor needs to verify the record submitted for Stop payment before verification.
2.8 Verify Stop Payment
1. Enter HSPPAU in the Menu Shortcut field to display the Stop payment processing authorization
screen.
3. Type the Account ID or click the searcher to fetch details.
4. Click Go.
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5. View the details to be verified.

6. Click Submit and Go to HPR to view the Stop Payment report.
for Revoke Stop payment before verification.
2.9 Revoke Stop Payment
1. Enter HSPPin the Menu Shortcut field to display the Stop payment processingscreen.
2. Select R – Revoke Stop Pay from the Function drop-down list.
3. Type the Account ID for which the revoke stop payment of cheque is to be done.
4. Enter the Begin Cheque No.
5. Click Go.
6. Click on Fee Tab to view the stop payment charges.
7. Click on Submit.
Note: A Supervisor needs to verify the record submitted for Revoke Stop payment before verification.
2.10 Mark a Lien
1. Enter HALM in the Menu Shortcut field to display the A/c Lien Maintenance screen.
2. Select A - Add from the Function drop-down list.
3. Enter the Account ID on which the Lien is to be marked.
4. The Module type is auto selected as U – User defined.
5. Click Go.
6. Enter the New Lien amount.
7. Select the effective date as BOD date.
8. Select the Lien reason from the searcher.
9. Click Submitto complete the process of marking a lien.
10. Multiple lien can be added .Click Add button to add another lien and enter the details as discussed
from step 6 to step 8.
Note:A Supervisor needs to verify the record submitted for Lien marking before verification.
Note: User can create liens of Module type ULIEN only. For user created liens, module ID column is not
enterable. Also, user can create liens for accounts belonging to scheme types SBA, CAA, CCA, ODA, BIA,
FBA & TDA.
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2.11 Verify Lien Marking
3. Enter the Account ID on which the Lien is to be verified.
4. Click Go.
6. Click Submit.
2.12 Release Lien Marking
2. Select M - Modify from the Function drop-down list.
3. Enter the Account ID on which the Lien is to be modified.
4. Click Go.
5. Change the lien amount to zero in case lien is released fully..
6. Click Submit.
Note: A Supervisor needs to verify the record submitted for Modification of Lien.
2.13 Freeze an Account
1. Enter HAFSM in the Menu Shortcut field to display the A/c. Freeze Status Maintenance screen.
2. Select F - Freeze from the Function drop-down list.
3. Enter the Account ID on which the Freeze is to be placed.
4. Select the Freeze Code as either Total Freeze, Credit only or Debit only.
5. Select the freeze reason code from the searcher. This is a mandatory field. Note: Multiple reason
codes can be added in case of freeze.
6. Click Go.
7. The A/c Freeze Status Maintenance screen is displayed.
8. Select the A/c ID on which the freeze is to be placed.
9. Click Submitto complete the process freezing an account.
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Note: A Supervisor needs to verify the record submitted for freeze of an account.
2.14 Verify Freeze
2. Select V – Verify from the Function drop-down list.
3. Enter the Account ID for which the freeze has to be verified.
4. Click Go.
5. Check the details to be verified in the Maintenance screen.
6. Click Submit.
2.15 Unfreeze an Account
2. Select U – Unfreeze from the Function drop-down list.
3. Enter the Account ID for which the freeze has to be unfreezed.
4. Click Go.
5. Select the record to be unfreezed in the Maintenance screen.
6. Click Submit.
Note: A Supervisor needs to verify the record submitted for unfreeze of an account.
2.16 Adhoc Account Statement Print
1. Enter HPSP in the Menu Shortcut field to display the Pass sheet print screen.
2. Statement type is selected as Statement of A/c.
3. Select the Event as Duplicate.
4. Enter the From A/c. ID and To A/c. ID.
5. Enter the Period From and Period To.
6. Click Submit.
7. View the Statement print in the HPR menu option.
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2.17 Issue and Print Passbook
1. Enter HPBP in the Menu Shortcut field to display the Passbook Print screen.
2. Enter the A/c. ID.
3. Click Print. The details of the passbook is displayed and ready to be printed.
2.18 Close an Account
1. Enter HCAAC in the Menu Shortcut field to display the A/c. Closure – Transactions A/cs screen.
2. Select Z – Close from the Function drop-down list.
4. Click on balance transfer.
5. Select the transaction type from the drop down list.
6. Click Go.
7. View the A/c. Closure screen.
8. Click Submit.
Note: A Supervisor needs to verify the record submitted for Closure of an account.
2.19 Verify Closure of Account
1. Enter HCAAC in the Menu Shortcut field to display the A/c. Closure – Transactions A/cs screen.
3. Enter the A/c. ID to be verified.
4. Click Go.
6. Click on Submit. The closure details can be viewed in HACLI.
2.20 Inquire the account details
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1. Enter HACIin the Menu Shortcut field to display the Customer A/cs Inquiry screen.
2. Type the account ID.
3. Click Go.
4. View the details
5. Click Ok.
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3. Signature Verification
3.1 Add signature and photograph
 Signature and photograph can be added to an account or CIF.
 Multiple signature and photograph can be captured for corporate account or joint account.
 Signature and photograph can be updated with new signature and photograph.
1. Click the Signature and Photographs option to display Signatures and Photographs screen is
displayed.
2. Select the A-Add function from the drop-down list.
3. Type the account number for which you have to capture the signature.
4. Click Go.
5. Select the U-Upload from File function from the drop-down list.
6. Click Browse.
7. Select the relevant signature file placed in the desktop.
8. Click Open.
9. Click OK.
10. View the signature uploaded.
11. Click OK.
12. Select an appropriate image access code.
13. Type the effective date of the signature uploaded.
14. Type the signature expiry date.
15. Select the U-Upload from File option from the drop-down list.
16. Click Browse.
17. Select the relevant customer’s photograph file placed in desktop.
18. Click Open.
19. Click OK.
20. Type the effective date of the photograph.
21. Click Submit.
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3.2 Verification of signature and photograph added
1. Click the Signature and Photographs option to display Signatures and Photographs screen is
displayed.
2. Select the V-Verify function from the drop-down list.
3. Type the account number for which you have to verify the signature.
4. Click Go.
5. The Verify Pending Signatures and Photographs screen is displayed.
7. Click Submit.
3.3 Signature and photograph verification while performing transaction
1. Type HTM in the Menu Shortcut field to display Transaction maintenance screen
3. Select the C/NP - Cash/Normal Payment from the drop-down list.
4. Click Go.
5. Type the account ID.
6. Type the amount to be withdrawn by the customer.
7. Click the signature icon.
8. The Signature Inquiry Result screen is displayed.
9. Click the photograph icon.
10. Click Verify.
11. Click signature icon.
12. Click Verify.
13. Click Submit.
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3.4 Signature and photograph verification from SVS
1. Click the InquireSignature option to display Inquire onSignatures screen is displayed.

2. Type the account number for which you have to verify the signature.
3. Click Go.
4. Click the photograph icon. View photograph
5. Click Verify.
6. Click the signature icon. View signature
7. Click Verify.
8. Click Submit.
3.5 Maintain Rules
1. Click the Maintain Rules option to display Inquire Maintain Rules screen is displayed.
2. Select the A-Add function from the drop-down list
3. Type rule name in the field Rule Name
4. Click Go.
5. Select Entity name as per requirement
6. Select Relational operator as per requirement
7. Type the value in the field Value
8. Click Submit.
Note: A Supervisor needs to verify the record submitted
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3.6 Verify Rules
1. Click the Maintain Rules option to display Inquire Maintain Rules screen is displayed.
2. Select the V-Verify function from the drop-down list
3. Click Go.
4. Select the rule which needs to be verified.
5. Click Submit.
3.7 Map Account Rules
1. Click the Map Account Rules option to display Inquire Map Account Rulesscreen is displayed.
3. Type the account number for which you have to map the rule.
4. Click Go.
5. Select the rule which needs to link to account.
6. Click Submit.
7. Select Mandatory flag as yes for the signature which should be verified for this rule.
8. Click Submit.
3.8 Verify Mapped Account Rules
1. Click the Map Account Rules option to display Inquire Map Account Rulesscreen is displayed.
2. Select the V-Verify function from the drop-down list.
3. Type the account number for which you have to verify the mapped rule.
4. Click Go.
5. View the rule which needs to link to account.
6. View the Mandatory flag as yes for the signature which should be verified for this rule.
7. Click Submit.
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4. Transactions
4.1 Create Cash transaction
Transaction is an event that occurs on an account. It could be a financial transaction or a non-financial

transaction. A financial transaction is either crediting or debiting an account for a given amount. It is
always reflected in the books of account of the bank such as the Daybook and the General ledger.
Non-financial transaction could be events such as modifying a customer record, sanctioning of an
overdraft for an account and Modification to customer account which do not affect the daybook or trial
balance or general ledger of the bank.
1. Enter HCASHDEP the Menu Shortcut field to display the Cash Deposit screen.
3. Select the Transaction Type/Sub-type.
4. Click Go.
6. Enter the Ref. CCY/Amount.
7. Enter the Transaction particulars.
8. Click on Save.
9. Note down the Transaction ID generated.
Note: Invoke HACLI and enter the A/c. ID. The above transaction is not seen as it has been saved and not
posted. The transaction status can be viewed in HFTI.
4.2 Post the Cash Transaction
1. Enter HCASHDEP the Menu Shortcut field to display the Cash Deposit screen.
2. Select P - Post from the Function drop-down list.
3. Enter the Transaction ID, which ishas to be posted.
4. Click Go.
5. Details are displayed.
6. Click Submit.
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7. Note down the Transaction ID.
Note: The above transaction status isviewed in HACLI.

Note: Modifications of transactions is done through HTM or HCASHDEP menu option.
4.3 Create Transfer Transaction
1. Enter HXFER in the Menu Shortcut field to display the Transfer Transaction screen.
2. Select A – Add from the Function drop-down list.
3. Select the Transaction Type/Sub-type.
4. Click Go.
5. Enter the A/c. ID. The part transaction type is auto populated as Debit.
6. Enter the Ref. CCY/Amount.
7. Click the Add button to add the Credit part transaction type.
8. Select the radio button as Credit.
10. The contra button is clicked next to amount to get the amount of the transaction orenter
amount.
11. Select the option L-list all part transactions from the drop down and click go.
12. View all the part transactions in the same screen.
13. Click on the back button.
14. Now select U- Show part transactions from the options dropdown and click on go.
15. View the total of all credits and total of all debits in the screen.
16. Click on Ok.
17. Click on save.
4.4 Verify Transfer Transaction
1. Enter HXFER in the Menu Shortcut field to display the Transfer Transaction screen.
3. Type the Transaction ID.
39
4. Click Go.
6. Click Submit.
4.5 Transaction Reversal
1. Enter HCRT in the Menu Shortcut field to display the Create and Update Reversal Transaction
screen.
3. Select the Operation as Reversal.
4. Select the Function as Request.
5. In Original Transaction Details, Enter the Transaction ID. The Transaction ID is mandatory.
6. Click Go.
7. Select the A/c. ID in the details screen.
8. Click Submit.
9. Note the Transaction Reversal Request Number.
Note:A Supervisor needs to verify the record submitted for Reversal.
Note:Reversal of transaction is permitted only for customer operative account – SBA, CAA, CCA and ODA
scheme types.
4.6 Transaction Reversal Verification
1. Enter HCRT in the Menu Shortcut field to display the Create and Update Reversal Transaction
screen.
3. Enter or search for the Ref.No. which is to be verified.
4. Click Go.
6. Click Submit.
40
4.7 Financial Transactions Inquiry
1. Enter HFTI in the Menu Shortcut field to display the Financial Transactions Inquiry screen.
3. Enter the Transaction Low and transaction High amount.
4. Select the Transaction Status from the drop down list.
5. Click Go.
Note:The user has an option/facility to click a particular transaction to see the full particulars of the
transaction.
4.8 General Charge Collection
1. Enter HGCHRGin the Menu Shortcut field to display the General Feesscreen.
3. Select the Event ID.
4. Select the Transaction type as T/CI Customer induced
5. Enter A/c. IDin the Debit A/c. ID field
6. Enter Context CCY as charge collection CCY
7. Click Go
8. Actual Amt. in Charge DebitCCY– amount is defaulted by system which can be changed as per
requirement by clicking explode button.
9. Click Submit.
Note:A Supervisor needs to verify the record submitted for Reversal. System creates transaction upon
successful verification.
4.9 Charge Transaction Reversal
1. Enter HCHRT in the Menu Shortcut field to display the Charge Detailsscreen.
41
2. Select R - Reverse from the Function drop-down list.

3. Enter account id in the field A/c ID.
4. Click Go
5. System list all the record.
6. Select the record which needs to be reversed.
7. Full waiver – this is defaulted as Full which can be set as No for partial reversal.
8. Waiver Amt – this is defaulted as full charge collected amount which can be changed in case of
partial reversal.
9. Click Submit.
Note:A Supervisor needs to verify the record submitted for Reversal. System creates transaction upon
successful verification.
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5. Demand Drafts
5.1 Demand Draft Issuance
Demand Draft/Bankers Cheque is an instrument made out by the bank and delivered to the remitter of
funds (purchaser of the DD). The same must be presented by the beneficiary, to claim payment. The
paying/drawee branch must make sure that the DD is genuine, before paying the same. When a draft is
issued drafts account will be credited and the details of the details of the drafts issued register. Similarly,
the drafts paid will be entered in the drafts paid register and the amount is debited to the DD account.
1. Enter HDDMI in the Menu Shortcut field to display the Demand Draft Mass Issuescreen.
2. Select A-Add from the Function drop-down list.
3. Issue Date and Value Date are auto populated as Today’s date or system date.
4. Select the Print Indicator as Immediate, Later or Bulk.
5. Enter the Demand Draft A/c. ID.
6. In Purchase Details, Select the Transaction Type as Cash, Transfer Bank induced or Transfer
Customer induced.
7. Enter the Purchaser A/c. ID. All the details pertaining to that account number automatically
populates from the CIF of the account.
8. Commission A/c. ID defaults as the Purchaser ID entered above.
9. Click Go.
10. Demand Draft Srl.No. is automatically populated as 1.
11. Enter the Demand Draft amount.
12. Enter Drawn on Bank/Branch Code.
13. Enter the Payee Name.
14. Click on Fee Details to view or edit fee details.
15. Click Accept.
Note: Multiple DD’s can be added by repeating the steps above.
16. Click Submit.

17. Note the Transaction ID.
18. Post this transaction by invoking the HDDMI menu option.
19. Select P-Post from the Function drop down list.
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20. Enter the Transaction ID.

21. Click Go.
22. View the details.
23. Click Submit.
5.2 Demand Draft Print

Note: Print the DD using HDDPRNT menu when Print Indicatory is set as Later
1. Enter HDDPRNTin the Menu Shortcut field to display the Print a DDscreen.
2. Enter the Transaction ID&Part Tran ID.
3. Enter the Issue Date.
4. Click Go.
5. Note down the Inventory or DD No.
6. Click Submit.
7. Click Proceed.
8. Click Ok.
5.3 Demand Draft Cancellation
1. Enter HDDCin the Menu Shortcut field to display the Demand Draft Cancellationscreen.
2. Select C-Cancel from the Function drop-down list.
3. Enter the DD number to be cancelled.
4. Enter the DD Issue date.
5. Select the transaction type from the drop down list.
6. Create Fee transaction can be selected as Yes or No.
7. Click Go.
8. Click Submit.
9. Note down the transaction ID.
10. Click Ok.
11. Post the Transaction using the same menu HDDC.
12. Select P-Post from the Function drop-down list.
14. Click Go.
44
15. Click Submit.

16. Click Ok.
Note:Demand Draft Inquiry is done with HDDII menu option.
5.4 Payment of Demand Draft
1. Enter HDDMPin the Menu Shortcut field to display the Demand Draft Mass Paymentscreen.
2. Select A-Add from the function drop-down list.
3. Enter the Demand Draft A/c. ID.
4. Select the Transaction type as Cash, Transfer – Bank Induced, Transfer – Customer Induced.
5. Enter Payee A/c. ID.
6. Select the Instrument Type from the searcher.
7. Click Go.
8. Enter the DD No. as noted above.
9. Upon entering the DD No. the other details such as DD Amount, Issue Date etc, auto populate.
10. Click Submit.
12. Enterthe menu option HDDMP to post the transaction.
13. Select P-Post from the Function drop down list.
15. Click on Go.
16. Click on Submit.
17. Click on Accept.
5.5 Demand Draft Revalidation
1. Enter HDDSMin the Menu Shortcut field to display the Demand Draft Status Maintenancescreen.
2. Select I-Inquire from the function drop-down list.
3. Enter the Issue Bank/Branch combination.
4. Enter the DD No.
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6. Enter the Currency.

7. Enter the Scheme Code.
8. Click Go.
9. The DD date can be revalidated here.
10. Click Ok.
Note: A draft is valid for specific period from the date of issue. Thereafter it has to be revalidated by the
issuing branch at the request of the purchaser.
5.6 Specific DD Issued Inquiry
1. Enter HDDIIin the Menu Shortcut field to display the Specific DD Issued Inquiryscreen.
2. Enter the DD No.
4. Click Go.
5. The Specific DD Issued Inquiry screen is displayed.
6. Note the DD transaction Status.
7. Click Ok.
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6. Term Deposit
6.1 Account opening – Term Deposit account
The Term deposit module of Finacle handles the time deposits. This module caters to different variants of
term deposits like Fixed Deposits, Cumulative deposits, Recurring deposits (RD), Certificate of Deposits
(CD), Notice Deposits (ND) and Flexi-Fixed deposits (FFD). The Scheme type for Term deposits is TDA.
For opening a Term Deposit account user should have the following information ready viz., CIF ID,
Scheme Code, Currency, SOL ID and the GL Subhead code. Some of this information is defaulted while
others need to be filled by the user. Funding of deposit can be done as part of account opening or later
after account opening.
Term Deposits can be of Interest Outflow (IO) type where the interest is paid out at regular intervals or of
Interest Inflow (II) type where the interest along with Principal will be paid only on maturity.
1. Enter HOAACTD in the Menu Shortcut field to display the A/c. Opening - Term Depositsscreen.
2. Enter the details in the CIF ID
3. SOL IDis defaulted as home SOL of user
5. Enter the Scheme Codeor search from searcher list.
6. Click Go.
General details,Interest & Tax details, Scheme details, Flow Details, Renewal & Closure,
Related party details is to be mandatorily entered/should be visited while account
opening.
(In case of FDR).
Optional tabs:
1. MIS codes: It can be entered while account opening for capturing various MIS related fields.
The entry of appropriate codes is useful for generating various MIS reports.
3. Transaction Details: This transaction details tab has to be visited only when funding is required
at the time of account opening.
47
4. Instruction Details: The Instruction Details tab to be visited when the interest or repayment
will be done based on customer’s instruction to different account in different banks.
Following field is mandatory field to Following field is mandatory and default populated.
enter:- Value of these field has been set universally hence
A/c. Name
A/c. Short Name
A/c. Open Date
A/c. Report Code
Customer Relationship A/c. Manager
A/c. Manager ID
Collect Charges ?
Relative to Staff
Clearing Exception Limit (Both DR and CR)
Transfer Exception Limit (Both DR and CR)
A/c Statement
Dispatch Mode
ECS enabled
Allow Sweeps ?
9. Go to Interest& Tax details tab :
 Interest Credit A/c. ID: This is applicable for Following fieldsare mandatory and default populated.
Interest Payout. Enter the Interest Credit A/c. Value of these field has been set universally hence
ID. This should be an Operative Account. before changing these value, please refer detailed
 Account Preferential Interest (Cr.): Enter th document.
Pay Interest?
Customer Preferential Interest (Cr.)
Channel Preferential Interest (Cr.)
A/c. Pegged
Interest Rate Code
10. Go to Scheme Details tab Credit Interest Pcnt. Min./Max.
Following fieldsare mandatory and default

populated. Value of these field has been set
universally hence before changing these value,
please refer detailed document.
48
A/c. Opening Mode

Following field is mandatory field to enter: - Value Date
Nomination
 Deposit / Installment Amt.: Enter the Deposit
Print Nominee on Receipt
Amount or Installment Amt.
Print Receipt
 Deposit Period (Months / Days): Enter the
deposit period.
Note:
 Nomination: Select nomination flag as Yes when nomination details needs have to be captured. The
nomination details can be maintained in the Nomination Tab. Multiple nominee can be captured.
Guardian details are mandatory if nominee is minor.
 Repay A/c. ID: Enter the Repay Account ID in which maturity amount of the term deposit will be
credited.

 If Nominee is minor, then guardian details is also required to be filled in. Nominee's Name
Relationship
Address
City Code
State Code
Country Code
Postal code
12. Go to Flow Details Tab
 Check the Flow Details – Principal Inflow, Interest Outflow / Inflow, Maturity Outflow.
13. Go to Renewal & Closure Details Tab
Following fieldsare mandatory and default populated. Value of

these field has been set universally hence before changing
these value, please refer detailed document.
Auto renewal
Max. Renewal Allowed / Renewals Done
Note: Renewal Period (in Months)
Auto renewal Scheme
1. Auto Closure: User can opt for Auto renewal General Ledger Subhead
Auto Closure if Auto Renewal is Auto renewal Interest Table
selected as No. Renewal CCY
Renewal Option
Renewal Rate
49
 If account is joint account, then joint account holder details is mandatory to enterin Add related party
15. Go to Impact on TDS details Tab
 View the impact onTDS on opening the new Term Deposit for the customer.

Sometimes there may chance that some wrong data  Menu: HOAACMTD
opening. If checker found that then steps are  Change the value of the field which in
mentioned in adjacent table to correct. incorrect
17. Verification of Term Deposit account opening (Checker user)

Process for verification of Term Deposit account  Menu: HOAACVTD
opening is mentioned in adjacent table.  Mention the account number
 Click on Go
6.2 Print Term Deposit Receipt
1. Enter HDRP in the Menu Shortcut field to display the Deposits Receipt Print screen.
2. Enter From A/c ID and To A/c ID
3. Click Go.
4. Deposit Receipt Print list is displayed.
5. The explode button of any selected record will take the user to the Account Maintenance screen.
6. Click Accept.
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7. The deposit Receipt print screen is displayed with details.

8. Click Submit.
9. Click Print.
10. Click Proceed.
Note: The menu options for reprint is HREDRP and Duplicate print is HDUDRP. Reprint and Duplicate
print is possible only when the print count is at least 1.
6.3 Modify Term Deposit account
1. Enter HACMTD in the Menu Shortcut field to display the Account Maintenance – Term Deposits
screen.
2. Select M-Modify from the Function drop-down list.
3. Enter A/c. IDto be modified.
4. Modifications can be made in either of these fields - General Details, Scheme details, Interest details-
Interest Credit A/c ID, Customer Instructions Details, Renewal & Closure and Denomination details.
6.4 Verify Term Deposit account modification
1. Enter HACMTD in the Menu Shortcut field to display the Account Maintenance – Term Deposits
screen.
2. Select V-Verify from the Function drop-down list.
3. Enter the A/c. ID to be verified.
4. Verify the details.
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6.5 Renewal of Term Deposit
1. Enter HTDREN in the Menu Shortcut field to display the Term DepositsRenewal screen.
2. Select R-Renewal from the Function drop-down list.
4. Click Go.
5. View the details. Make the changes as per requirement.
6. Click Submit.
Note:Supervisor needs to verify the record submitted for Renewal of a Term Deposit account.
6.6 Verification of Renewal
1. Enter HTDREN in the Menu Shortcut field to display the Term Deposits Renewal screen.
4. Click Go.
6. Click Submit.
6.7 Trial Closure of TD
1. Enter HCAACTD in the Menu Shortcut field to display the A/c. Closure - DepositsAccounts screen.
2. Select L-Trial Closure from the Function drop-down list.
3. Enter the A/c. IDfield.
4. Enter the Closure Value Date.
5. Enter the Withdrawal Amount (Principal).
6. Click Go.
A/c Information details
7. View the details
Closure Details
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8. Close Mode is defaulted as Repayment A/c. Only when repayment account id is mentioned at
account level or Customer Instruction if customer instruction is captured at account level.
9. Repayment A/c IDis defaulted from account level .It can be changed.
10. Enter Cash CCY code when Close Mode is selected as Cash
11. Enter Negotiated Rate/Fee Details as per requirement.
12. Click Submit.
13. View the closure details.
14. System generates trial closure advice which can be viewed using menu HPR
6.8 Closure of TD
1. Enter HCAACTD in the Menu Shortcut field to display the A/c. Closure - DepositsAccounts screen.
2. Select Z-Close from the Function drop-down list.
4. Enter the Closure Value Date.
5. Enter the Withdrawal Amount (Principal).
6. Click Go.
7. View the details
Closure Details
8. Close Mode is defaulted as Repayment A/c. Only when repayment account id is mentioned at
account level or Customer Instruction if customer instruction is captured at account level.
9. Repayment A/c IDis defaulted from account level .It can be changed.
10. Enter Cash CCY code when Close Mode is selected as Cash
11. Enter Negotiated Rate/Fee Details as per requirement.
12. Click Submit.
14. System generates closure advice which can be viewed using menu HPR
15. Note: Supervisor needs to verify the record submitted for Closure of a Term Deposit account.
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16. Note: If Close mode is selected as cash then, closure proceed will be parked in repayment account id
of the scheme code .This amount will be release using menu HCASHPND and cash will be given to
customer.
6.9 Verify Closure of TD
1. Enter HCAACVTD in the Menu Shortcut field to display the Account Closure Authorization - Term
Deposit Accountsscreen.
4. Click Go.
5. View the details
Closure Details
6. View the details
7. Click Submit.
6.10 Perform Pending Cash Transaction
1. Enter HCASHPND in the Menu Shortcut field to display the Pending Cash Transactionsscreen.
2. Select P-Process from the Function drop-down list.
3. Enter the term deposit account id in the field Originating A/c. IDfield.
4. Click Go.
5. Select Srl No. hyperlink.
6. Select Transaction particular
7. Click Post.
6.11 Perform Term Deposit Transaction Inquire
1. Enter HTDTRAN in the Menu Shortcut field to display the Term Deposits Transaction Details screen.
2. Enter the term deposit account id in the field A/c. IDfield.
3. Click Go.
4. View the details
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5. Click Ok.
6.12 Perform Renewal History Inquire
1. Enter HRELACI in the Menu Shortcut field to display theRenewed A/cs Lookup for Deposits screen.
2. Enter the term deposit account id in the field A/c. IDfield.
3. Click Go.
4. View the details
5. Click Ok.
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7. Overdrafts and TOD

7.1 Account opening – Overdraft account
1. Enter HOAACOD in the Menu Shortcut field to display the A/c. Opening –Overdraft screen.
3. CIF ID: Enter the details in the CIF ID
4. SOL ID: SOL IDis defaulted as home SOL of user
5. CCY: CCY (currency code) is defaulted as INR
7. Click Go.
General details, Interest details, Interest Slab Details, Scheme details, Account Limits,
opening.
Optional tabs:
56
Following field is mandatory field to Following field is mandatory and default populated.
enter:- Value of these field has been set universally hence
 A/c. Name
 A/c. Short Name
 A/c. Open Date
 A/c. Report Code
 A/c. Statement
 Allow Sweeps ?
Following field is mandatory and default populated.

Following fields are to mandatorily entered: Value of these field has been set universally hence
 Interest Debit A/c. Flag before changing these value, please refer detailed
 Next Interest Calculation Date ( Dr.) document.
Following fields are co-mandatory if Interest
Credit A/c. flag and Interest Debit A/c. Flag are  Pay Int. ?
selected as Operative A/c.:  Collect Int. ?
Interest Credit A/c. ID  Interest Calculation Frequency (Cr.)
Interest Debit A/c. ID  Interest Calculation Frequency (Dr.)
11. Go to Interest Slabs tab

Following fields are to be mandatorily entered: Value of these field has been set universally hence
 Tenor of Slab: Enter the tenor of the before changing these value, please refer detailed
Interest Rate Slab in Months and Days. document.
 Interest Table Code

 Customer Preferential Interest (Dr. & Cr. both)
Note:
1. User can provide Account Preferential Interest using this tab.
57
Following fields are to be mandatorily entered: Following field is mandatory and default populated.
Value of these field has been set universally hence
Sanction Limit: Enter the Sanction Limit for the before changing these value, please refer detailed
Overdraft Account. document.
A/c. Health Code: Select the appropriate A/c.
Health Code from the searcher.  Cheque Allowed
Expiry Date:Enter the Expiry Date of the  Debit Balance Limit
sanction limit.  Max. Allowed Limit
 Interest Method (Dr.)
Note:

Relationship
Address
City Code
State Code
Country Code
Postal code
14. Go to Account Limits Tab
Value of these fields either have been set universally or
 Document Date – Enter the Document deriving from previous tabs visited. Hence before
Date changing these value, please refer detailed document.
 Sanction Level – Select the Sanction
Level of the Cash Credit Limit  Sanction Limit
 Sanction Authority- Select the Sanction  Expiry Date
Authority of the Cash Credit Limit  Customer Debit Preferential Interest
 Drawing Power Indicator- Select the  A/c. Debit Preferential Interest
appropriate Drawing Power Indicator.
58
 Co-borrower and Guarantor details can be enteredin Add related party


Sometimes there may chance that some wrong data  Menu: HOAACMOD
17. Verification of Overdraft account opening (Checker user)

Process for verification of Overdraft account opening is  Menu: HOAACVOD
 Click on Go
7.2 Modify Account Data after account opening
You can modify only the following tab’s fields by using the HACM menu option:
 General Details
 Scheme Details
 MIS Details
 Document Details
7. Enter HOAACMODin the Menu Shortcut field to display the A/c. Opening – Overdraftscreen.
9. Type the Overdraft account ID, which is to be modified in theA/c. IDfield.
10. Click Go.
11. System takes you to general page.
12. Make the required changes.
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13. Click Submitto complete the process of modifying the details of an overdraft account.
Note: A Supervisor needs to verify the record submitted for modifying an overdraft account before
verification.
7.3 Account opening
Forcash credit account opening, the account holder/customer must have a CIF ID. All the general
information related to the customer is captured as a part of CIF ID creation.
1. Enter HOAACCC in the Menu Shortcut field to display the A/c. Opening – Cash Creditscreen.
2. Function is Open which is auto selected.
5. CCY (currency code) is defaulted as INRwhich can be changed.
7. Click Go.
General details, Interest details, Interest Slab Details, Scheme details, Account Limits,
opening.
Optional tabs:
fields. The entry of appropriate codes is useful for generating various MIS reports.
60

enter:- Following field is mandatory and default populated.
 Mode of operation : Select the Value of these field has been set universally hence
mode of operation from searcher before changing these value, please refer detailed
document.
 A/c. Name
 A/c. Short Name
 A/c. Open Date
 A/c. Report Code
 A/c. Statement
 Allow Sweeps ?

Following fields are to mandatorily entered: Value of these field has been set universally hence
 Interest Debit A/c. Flag before changing these value, please refer detailed
 Next Interest Calculation Date ( Dr.) document.
Following fields are co-mandatory if Interest
Credit A/c. flag and Interest Debit A/c. Flag are  Pay Int. ?
selected as Operative A/c.:  Collect Int. ?
Interest Credit A/c. ID  Interest Calculation Frequency (Cr.)
Interest Debit A/c. ID  Interest Calculation Frequency (Dr.)
5. Go to Interest Slabs tab

before changing these value, please refer detailed
document.
Note:  Interest Table Code

 Customer Preferential Interest (Dr. & Cr. both)
2. User can provide Account Preferential
Interest using this tab.
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Sanction Limit: Enter the Sanction Limit for the before changing these value, please refer detailed
Overdraft Account. document.
A/c. Health Code: Select the appropriate A/c.
Health Code from the searcher.  Cheque Allowed
Expiry Date:Enter the Expiry Date of the  Debit Balance Limit
sanction limit.  Max. Allowed Limit
 Interest Method (Dr.)
Note:

Relationship
Address
City Code
State Code
Country Code
Postal code
8. Go to Account Limits Tab
62
Value of these fields either have been set universally or
 Document Date – Enter the Document deriving from previous tabs visited. Hence before
Date changing these value, please refer detailed document.
 Sanction Level – Select the Sanction
Level of the Cash Credit Limit  Sanction Limit
 Sanction Authority- Select the Sanction  Expiry Date
Authority of the Cash Credit Limit  Customer Debit Preferential Interest
 Drawing Power Indicator- Select the  A/c. Debit Preferential Interest
appropriate Drawing Power Indicator.
 Co-borrower and Guarantor details can be enteredin Add related party


Sometimes there may chance that some wrong data  Menu: HOAACMOCC
11. Verification of Cash credit account opening (Checker user)

Process for verification of cash credit account opening  Menu: HOAACVCC
is mentioned in adjacent table.  Mention the account number
 Click on Go
7.4 Account Limit Maintenance – DP update
1. Enter HACLHM in the Menu Shortcut field to displaythe Account Limit History Maintenancescreen.
2. Select Drawing Power in the Operation field.
63

4. Enter the A/c. ID to which the Limit is to be linked.
5. Click Go.
6. Click Add New to modify the Limit details for the account.
7. Enter the Limit ID and provide the drawing power value.
8. Click Submit to link a Limit Node to an account.
7.5 Account Limit Maintenance Verification
1. Enter HACLHM in the Menu Shortcut field to displaythe Account Limit History Maintenancescreen.
3. Enter the A/c. ID of the account to which the Limit Node has been linked.
4. Click Go.
5. Verify the details provided such as Drawing Power ind, Limit ID and DP value.
6. Click Submit to complete the verification.
7.6 Account Limit Maintenance – Sanction Update
1. Enter HACLHM in the Menu Shortcut field to display the Account Limit History
Maintenancescreen.
2. Select Sanction Limit in the Operation field.
4. Enter the A/c. ID to which the Limit is to be linked.
5. Click Go.
6. Select Record
7. Make the changes as per requirement.
8. Click Submit
64
7.7 Account Limit Maintenance Verification
1. Enter HACLHM in the Menu Shortcut field to display the Account Limit History
Maintenancescreen.
4. Click Go.
5. Verify the details provided.
7.8 Grant UG TOD
1. Enter HACTODM in the Menu Shortcut field to display the Temporary Overdraft
Maintenancescreen.
2. Function: Select functionModify
3. A/c ID: Enteraccount ID
4. Click Go.
5. Click Add record
6. Grant Date – Enter grant date
7. Advance Amt. – enter advance amount
8. Click Accept
9. Permitted By – Enter the user id of the employee who has permitted this TOD.
10. Click Submit.
7.9 Verify UG TOD
1. Enter HACTODM in the Menu Shortcut field to display the Temporary Overdraft
Maintenancescreen.
2. Function: Select functionVerify
3. A/c ID: Enteraccount ID
4. Click Go.
65
5. Click Grant Date hyperlink

6. View the details
7. Click Accept
8. Click Submit.
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8. Limits and Collaterals

8.1 Limit Node Creation
Limit Nodes enable users to monitor liability of a customer per credit facility. A credit facility can
be a revolving or non-revolving credit, term loans, committed facilities, letters of credit, etc.
A limit node can be a parent limit node or a child limit node. A child limit node derives its
drawing power from its parent limit node.
A Limit Node is identified by a unique Limit ID, which is composed of a Limit Prefix and Suffix
IDs. During limit creation, the suffix can be entered or selected from the available list while the
prefix is defined by user.
If the limit node being created is a child limit, then user has to indicate the Limit ID of the
parent limit from which it should derive its share.
1. Type HLNM in the Menu Shortcut field to display Limit Node Maintenance screen.
2. Select the function Add from the Function dropdown list.
3. In the Limit ID field, select the Suffix from the searcher provided. The Prefix is user defined.
4. Click Go.
5. Enter the Description.
6. Select the currency from the searcher in the CCY field.
7. Select Limit Type as C-CIF ID
8. Enter customer id in the field Limit Type ID
9. Committed Lines is defaulted to No.
10. Enter Approval Limit.
11. Select Drawing Power Indicator.
12. EnterLimit Approval Date. This can be BOD date.
13. Enter Limit Expiry date. This has to be a future date.
14. Enter the Limit Effective Date. This can also be BOD date.
15. Select the Master Limit Node using the searcher.
16. Visit the Limit Categories tab. Verify consistency of information from the LNM Tab.
a. Add all the currency applicable
b. Add another CIF if this limit needs to be shared
17. Click Submit.
18. Note down the Limit ID.
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8.2 Verify Limit Node Creation
2. Select the function Verify from the Function dropdown list.
3. In the Limit ID field, select the record to be verified from the searcher or alternatively, input Limit ID
created.
4. Click Go
5. View the details entered.
6. Visit the Limit Categories tab. Verify consistency of information from the LNM Tab.
7. Click Submit.
8.3 Modify Limit Node
2. Select the functionModify from the Function dropdown list.
created.
4. Click Go
5. Make the changes as required.
6. Visit the Limit Categories tab. Verify consistency of information from the LNM Tab. Make the
changes as required.
7. Click Submit.
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8.4 Lodgement of Collateral – Immovable Property
1. Type HCLM in the Menu Shortcut field to display Collateral Lodgment Maintenance screen.
2. Select the Lodge from the Function drop-down list
3. Select Collateral Type option Immovable Property
4. Click Go
5. Enter Collateral Code or select from the searcher
6. Enter Ceiling Limit
Particulars tab
7. Enter the mandatory fields
8. Select Derived from Value as per requirement
9. Enter Assessed value /Market Value /Invoice Value /Written Down value
10. Enter Property Document No.
11. Enter Address Line 1
12. Enter CIF ID
13. Click Submit. System generates Collateral ID
14. Note down Collateral ID and have it verified
8.5 Verify Lodgement of Collateral
1. Type HCLM in the Menu Shortcut fieldto display Collateral Lodgment Maintenance screen.
2. Select the Verify from the Function dropdown list
3. Enter Collateral ID to be verified
4. Click Go
5. View the details in the General tab and then click Particulars
6. View the details in the Particulars tab
7. Click Submit
69
8.6 Lodgement of Collateral – Inventory /Book Debts
1. Type HCLM in the Menu Shortcut field to display Collateral Lodgment Maintenance screen.
2. Select the Lodge from the Function drop-down list
3. Select Collateral Type option Immovable Property
4. Click Go
5. Enter Collateral Code or select from the searcher
6. Enter Ceiling Limit
Net Value
7. Enter Gross Value
8. Enter other details
Particulars tab
7. Enter the mandatory fields
8. Enter Due Date
9. Enter Frequency for Statement
10. Select Apply Penalty for Interest as Yes if penalty is applicable for non –submission of statement on
or before due date
11. Enter CIF ID
12. Click Submit. System generates Collateral ID
13. Note down Collateral ID and have it verified
8.7 Substitute Lodged Collateral

Substitute is applicable for Collateral type, Inventory and Book Debts .Usually customer submits stocks and
book debts details frequency wise.
2. Select the Substitute from the Function dropdown list
3. Enter Collateral ID to substituted
4. Click Go
70
6. View the details in the Particulars tab

7. Click Submit
8.8 Modify Lodged Collateral
2. Select the Modify from the Function dropdown list
3. Enter Collateral ID to substituted
4. Click Go
6. Make the changes as per requirement
7. Click Submit
8.9 Linkage of Collateral to Limit
1. Enter HSCLM in the Menu Shortcut field to displaythe Standalone Collateral Linkage
Maintenancescreen.
2. Select L - Link from the Function drop-down list
3. Select linkage types as Limit Node.
4. Enter the Limit ID
5. Enter Collateral ID details.
6. Click Accept
7. Enter the Apportioned Value for the Collateral.
8. Click Submit to link the Collateral to the Limit Node
71
8.10 Verify Linkage of Collateral to Limit
1. Enter HSCLM in the Menu Shortcut field to display the Standalone Collateral Linkage
Maintenancescreen.
2. Select V - Verify from the Function drop-down list
3. Select linkage types as Limit Node.
4. Enter the Limit ID
5. EnterCollateral IDdetails.
6. Click Accept
8.11 Modify Collateral linked to Limit /Account
1. Enter HSCLM in the Menu Shortcut field to displaythe Standalone Collateral Linkage
Maintenancescreen.
2. Select Modify from the Function drop-down list.
3. Select linkage types as Limit Node or Account
4. Enter the Limit ID or Account
5. EnterCollateral IDdetails.
6. Click Accept
7. Changethe apportion value
8. Click Submit.
Note: The modified Collateral needs to be verified by a Supervisor using the HSCLM menu option.
72
8.12 Delink Collateral from Limit /Account
1. Enter HSCLM in the Menu Shortcut field to display the Standalone Collateral Linkage
Maintenancescreen.
2. Select U - Unlink from the Function drop-down list.
3. Select linkage types as Limit Node or Account
4. Enter the Limit ID or Account
5. Enter Collateral ID details.
6. Click Accept
7. Click Submit to de-link the Collateral from the Limit Node.
Note: The de-linked Collateral needs to be verified by a Supervisor using the HSCLM menu option.
73
8.13 Limit Node Inquire
2. Select the functionInquire from the Function dropdown list.
created.
4. Click Go
5. View the details entered.
6. Visit the Limit Categories tab. View the details.
7. Click Ok.
8.14 Limit Node Details Inquire
1. Type HLNDI in the Menu Shortcut field to display Limit Node Details screen.
2. Enter CIF ID
3. Enter Limit ID
4. Click Go
8.15 Collateral Lookup Inquire
1. Type HCLL in the Menu Shortcut field to display Collateral Lookup screen.
2. Select Linkage Type as Limit or A/c
3. Enter Limit IDor A/c
4. Specify any other criteria as per requirement
5. Click Go
74
9. Retail Loan
9.1 Account opening – Retail Loan
Loan accounts can be opened in any of the following modes:

1. Normal Account Opening
2. Back-dated Account Opening
Account Opening in Transfer in Mode [It is similar to the normal account opening but applies to only
those accounts that are opened due to transfer from another Service Outlet (SOL). Here, the transfer-in
details, such as the amount recovered in the previous environment and disbursed in the previous
environment, are captured.]
Loan account opening can be modified by maker before loan account opening verification.
1. Enter HOAACLA in the Menu Shortcut field to display the A/c. Opening - Term Loans screen.
3. SOL ID is defaulted as home SOL of user
5. Enter the Scheme Code or search from searcher list.
6. Click Go.
General details, A/c. Interest details, Loan details, LA Interest, Payment Plan, Payment
Schedule, Fees Detailsare to be mandatorily entered/should be visited while account
opening.
Optional tabs:
fields. The entry of appropriate codes is useful for generating various MIS reports.
2. Document: Document codes can be captured in this tab.
3. Other Details: - this is visited when customer is opting for SWIFT statement
4. Account Limits: - Details related to sanctioned limit can be captured in this tab.
5. Refinance & Subsidy: This tab has to be visited if subsidy is applicable for the loan account.
75
Following field is mandatory field to enter: - Following field is mandatory and default
 Mode of operation: Select the mode of populated. Value of these field has been set
operation from searcher universally hence before changing these value,
 A/c. Statement: Select the appropriate please refer detailed document.
mode of generating the Account A/c. Name
Statement. A/c. Short Name
Following fields are co-mandatory to enter: - A/c. Open Date
The following fields are enabled only if User A/c. Report Code
select Statement or Both as the value for Customer Relationship A/c. Manager
the A/c. Statement field. A/c. Manager ID
 Statement Frequency: Select the
frequency for generation of A/c.
Statement.
 Dispatch Mode: Select the dispatch
mode of the A/c. Statement.
9. Go to A/c. Interest details tab :
Following field is mandatory and default

Repricing Details
Repricing Plan
Pegging Review Date (YY/MM)
Pegging Frequency (MM/DD)
Fixed Rate Term (YY/MM)
Fixed Rate Repricing Frequency (MM/DD)
Fixed to Floating Interest Rate Code
Rule Code for Interest Comparison
Interest Details
Collect Interest
Min./Max. Interest Pcnt.
Customer Preferential Interest
Interest Rate Code
Apply Discounted Interest Rate
Interest Compounding Frequency
Penal Interest
Penal Interest Table Code
76
10. Go to Loan Details tab
Following fields are mandatory to enter: Field mentioned in adjacent table will be
Loan Amount: Enter the Loan amount that is mandatory and default populated. Value of these
availed by the customer or sanctioned by the field has been set universallyhence before changing
bank. these value, please refer detailed document.
Loan Period: Enter the tenor the loan in
Months and Days. Repay Method
Hold Operative A/c. for Amt. Due
11. Go to LA Interest Details tab:
Field mentioned in adjacent table will be mandatory and

default populated. Value of these field has been set
universally. Changing the values in the fields will impact
the behavior of the account.
Interest
Interest on Principal
Principal Demand Overdue at the End of the Month
Principal Overdue After
Note: Interest on Interest Demand
1. Deferment /applicable interest rate Interest Demand Overdue at the End of the Month
dropdown is selected as either Interest Overdue After
Deferment /Applicable in case where Charge Demand Overdue at the End of the Month
interest needs to deferred till a particular Charge Overdue After Date
time. Apply Late Fee for Delayed Payment
Apply Interest and Penalty Breakup
2. If Deferment /applicable interest rate Grace Period for Late Fee
dropdown value is selected then Penal Interest
interest deferred upto date and Penal Interest on Principal Demand Overdue
Deferred/Applicable Interest Rate field Penal Interest on Interest Demand Overdue
will be mandatory Normal Interest Product Method
Penal Interest Based on
Grace Period for Penal Interest
12. Go to Payment Plan tab

universallyhence before changing these value, please
refer detailed document.
Installment Start Date
77
Installment Frequency
Interest Start Date
Following fields are mandatory to enter:
Interest Frequency
No. of Installments: Enter the number of
installments to repay the loan amount.
Note:
Holiday period – enter below values in case holiday or moratorium is applicable
a. Normal Holiday Period in months/days
b. Interest during Holiday Periodas Apply ,capitalize ,single demand or schedule without capitalize
c. Interest Frequency during Holiday Period
13. Go to Payment Schedule Tab

Installment ID
Note: User can click on Amortization Schedule No. of Installments
button to view the amortization schedule and Installment Amount
also can take the print.
14. Go to Fees Details Tab

Charge Type
15. Go to Related Party Details Event ID
Max. no. of Assessments
 If there is any Power of Attorney, guarantor Amortization Tenor
etc. for the Retail loan, details are to be Deductible
enteredin Add related party
78
 Note: A Supervisor needs to verify the record submitted for opening a Retail Loan account.
 Linkage of collaterals will be done after Loan account opening verification using theHSCLM menu option.
 Refinance and subsidy tab is visited when for a loan where subsidy is applicable. Specify the details in
the below fields;
 Principal Subsidy Amt.
 Interest Benefit from Day 1
 Subsidy Start Date
 Subsidy End Date
 Subsidy deposit account id

Sometimes there may chance that some wrong data  Menu: HOAACMLA
17. Verification of Retail Loan opening (Checker user)

Process for verification of Retail Loan Account opening  Menu: HOAACVLA
is mentioned in adjacent table.  Mention the account number
 Click on Go
9.2 Loan account modification
You can modify only the following tab’s fields by using the HACMLA menu option:
 General Details
 Loan Details
 Related-Party Details
 MIS Details
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1. Enter HACMLAin the Menu Shortcut field to display the CustomerAccounts Maintenance for Term
Loans screen.
3. Type the Retail Loan account ID, which is to be modified in the A/c ID field.
4. Click Go.
6. Click Submit.
Note: A Supervisor needs to verify the record submitted.
9.3 Loan account modification verification
1. Enter HACMLAin the Menu Shortcut field to display the CustomerAccounts Maintenance for Term
Loans screen.
3. Type the Retail Loan account ID, which is to be modified in the A/c ID field.
4. Click Go.
5. Visit all the mandatory field and verify the details.
6. Click Submit.
9.4 Inquire the loan details
1. Enter HACILA in the Menu Shortcut field to display the Customer A/cs Inquiry for Term Loans
screen.
2. Type the Retail Loan account ID.
3. Click Go.
4. View the details
5. Click Ok.
9.5 Perform disbursement
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Loan disbursement represents the release of loan proceeds to a customer. The HLADISB menu option is
used to disburse the loan amount to the customer. Some feature of loan disbursement are:
 The bank can collect fees and charges from the customer during the loan disbursement process.
 The loan amount can be disbursed to an account that operates in the same currency or in a different
currency.
 The same steps can be used for single and multiple disbursement of Retail Loans
 Disbursement can be reversed
1. Enter HLADISB in the Menu Shortcut field to display the Loan Disbursement Details screen.
2. Select D-Disbursement from the Function drop-down list.
3. Select a date of disbursement in the Value Date field.

4. Type the Loan account ID in the A/c ID field.
5. Input the Disbursement amount.
6. Select the Transaction type as Transfer
7. Select appropriate options in the Tran. Type and Gross/Net Disbursement fields.
8. Click Accept.
9. Select deductible fees if required to be collected
10. Click Accept. Rebate and claw back screen is displayed
11. Click Accept.
12. Select the credit account number
13. Choose appropriate Mode of release
14. Click Accept.
15. View the transaction entry to be created by system.
16. Click Submit.
17. Note: A Supervisor needs to verify the record submitted for loan disbursement.
9.6 Perform verification of disbursement
3. Type the Loan account ID, which is to be verified in the A/c ID field.
4. Click Accept.
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5. Verify the details of fees.

6. Click Accept.
8. Click Accept.
10. Click Submit to complete the verification process of disbursement of money from a Retail Loan
account. System generates disbursement transaction ID.
9.7 Inquire loan account ledger
1. Enter HLACLIin the Menu Shortcut field to display the Ledger Inquirescreen.
2. Type the Retail Loan account ID, which is to be inquired in the A/c. IDfield.
3. Click Go
4. View the loan account transaction details.
5. Click Ok.
9.8 Reversal of loan disbursement
2. Select R-Reversal from the Function drop-down list.
5. Click Accept.
6. View the fee details screen
8. Click Accept.
9. Select the debit account number
10. Click Accept.
12. Click Submit.
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9.9 Print loan account statement
 Loan account statement – statement can be printed as per frequency set at account level. If needed a
duplicate or adhoc statement can be printed using menu HLAPSP
1. Enter HLAPSPin the Menu Shortcut field to display the Loan A/c. Statement Print screen.
2. Type Report to
3. Type the Loan account ID, in the FromA/c ID and To A/c ID field.
4. Type From date and To date
5. Click Submit.System generates statement which can be view or printed using menu HPR
9.10 Print loan repayment schedule

 Repayment schedule printing – loan account repayment schedule can be printed using menu HLARSH.
1. Enter HLARSH in the Menu Shortcut field to display the Loan Repayment Schedule Report screen.
2. Type the Loan account ID, in the From A/c ID and To A/c ID field.
4. Click Submit. System generates repayment schedule report which can be view or printed using menu
HPR
9.11 Perform assessment of fee
Assessment is the process of calculating the fees or charges to be collected for a loan account whereas
Collection is the process of collecting the fee which have already been assessed. During collection,
transactions will be created towards fees collection.
Fees and charges can be assessed and collected using the HLAFACR menu option. The following functions
can be performed:
Assessment of Loan Fee: The fees and charges for the loan can be calculated using A-Fee
Assessment function.
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Collection of Loan Fee: The fees and charges for the loan can be collected using C-Fee Collection
function.
Assessment and Collection of Loan Fee: The fees and charges for the loan account can be calculated
and collected using the B-Fee Assessment and Collection function. It is used when you want to
collect the fees and charges at the time of calculation only.
1. Enter HLAFACR in the Menu Shortcut field to display the Loan Fee Assessment, Collection and
Refund Details screen.
2. Select Fee Assessment from the Function drop-down list.
3. Type the Retail Loan account ID for which the loan fee is to be assessed in the A/c. ID field.
4. Click Go.
5. Select the check boxes of the charges that need to be assessed and modified, as required.
6. Click Submit to calculate loan fees and charges.
9.12 Perform collection of Fee
2. Select Fee Collection from the Function drop-down list.
3. Type the Retail Loan account ID for which the loan fee is to be collected in the A/c. ID field.
4. Click Go.
5. Select the Transactiontype as Transfer
6. Enter collection amount in the field Collection Amt.
7. Enter customer operative account in the field Collection/Refund A/c. ID
8. Click Go.
9. View the fee assessed amount and the amount to be collected.
10. Click Submit. System creates transaction.
9.13 Inquire loan fee collected
1. Enter HLFEEIin the Menu Shortcut field to display the Loan Fee Detailsscreen.
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3. Click Go
5. Click Ok.
9.14 Perform loan fee waiver
1. Enter HLAWFEE in the Menu Shortcut field to display the Loans Waiver of Feesscreen.
2. Select Waiverfrom the Function drop-down list.
3. Type the Retail Loan account ID for which the loan fee is to be waived in the A/c. ID field.
4. Click Go.
5. Enter the waiver amount and the reason for waiver.
6. Click Submitto complete the process of waiving loan fees.
Note: A Supervisor needs to verify the record submitted for waiving fees and charges for a Retail Loan
account.
9.15 Perform verification of loan fee waiver
2. Select Verifyfrom the Function drop-down list.
3. Type the Retail Loan account ID for which the loan fee is to be waived in the A/c. ID field.
4. Click Go.
5. View the waiver amount and the reason for waiver.
9.16 Perform refund of waived fee
2. Select Refund from the Function drop-down list.
3. Type the Retail Loan account ID for which the loan fee is to be collected in the A/c. ID field.
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4. Click Go.
6. Enter the refund A/c Id and refund CCY.
8. Click Go.
9. View the refund amount details.
9.17 Perform scheduled payment
Scheduled Payment: A customer can do a scheduled payment if the demand is already generated. A
scheduled payment is performed using the HLASPAY menu option. The next scheduled payment will be
on the next instalment (demand) date.
1. Enter HLASPAYin the Menu Shortcut field to display the Loans Scheduled Payment screen.
2. Select Payment from the Function drop-down list.
3. Select a mode of payment in the Tran. Type field.
4. Select the type of account in the Dr. From field, if the mode of payment is Transfer.
5. Select an account to which the excess amount must be credited in the Excess Cr. To field, in case of
the Operative account.
6. Type the account ID from which payment is to be debited in the Common Dr. A/c.,in case of the
common Debit account.
7. Click Go
8. Type theRetail Loan account ID in the Loan A/c. ID field
9. Enter the payment amount in the Cr. Amt. field.
10. Click Accept
11. View the details of appropriation done by system.
12. Click Submit.
Note: A Supervisor needs to verify the record.
9.18 Perform verification scheduled payment
1. Enter HLASPAYin the Menu Shortcut field to display the Loans Scheduled Payment screen.
2. Select V-Verifyfrom the Payment Type drop-down list.
3. Type the transaction ID for which the verification needs to be done in the Transaction ID field.
4. Click Go.
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6. Click Submit to verify the record.
9.19 Inquire loan overdue position inquire
1. Enter HLAOPI in the Menu Shortcut field to display theLoans Overdue Position Inquiry screen.
2. Type the Retail Loan account ID, which is to be inquired in the A/c. ID field.
3. Click Go
4. View the loan due and overdue details.
5. Click Ok.
9.20 Perform unscheduled payment
Unscheduled Payment: A customer can do an unscheduled payment if the Demand is not yet
generated. A partial payment is done using the HLAUPAY menu option. This Job card deals with the
steps to perform Retail loan unscheduled payment.
1. Enter HLAUPAYin the Menu Shortcut field to display the Loans Unscheduled Payment screen.
2. Select Payment from the Payment Type drop-down list.
4. Select the type of account in the Dr. From field, if the mode of payment is Transfer.
5. Type the account ID from which the payment is to be debited in the Common Dr. A/c.,in case of the
common Debit account.
6. Click Go
7. Type the Retail Loan account ID in the Loan A/c. ID field
9. Click Accept
10. Click Submit.
Note: A Supervisor needs to verify the record using the HLAUPAY menu option.
9.21 Perform verification of unscheduled payment
1. Enter HLAUPAYin the Menu Shortcut field to display the Loans Unscheduled Payment screen.
4. Click Go.
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9.22 Perform payoff of loan account
 Payoff is process of zeroing the loan account outstanding dues.

 The HPAYOFF menu option is used to calculate and collect all the dues for the Loan account. Once the
account is paid off, the balance in the Loan account becomes zero and the account becomes eligible for
closure. The next step is the Closure of Loan Account using the CAACLA menu option.
1. Enter HPAYOFF in the Menu Shortcut field to display the Loan Pay Off Process screen.
2. Select Pay Off Loan Amount from the Function drop-down list.
3. Enter the value date of the payoff transaction.
4. Type the Retail Loanaccount ID, which is to be pre-closed, in the A/c. IDfield.
5. Type the reason code for pre-closure of the Retail Loan account in the Reason Code field.
6. Select appropriate options in the Payoff Type
7. Select the Transaction Type as Transfer
8. Enter the source account in the collect A/c Idfiled.
9. Click on GO
10. Select and modify the charges to be collected.
11. Click Go
12. View the details of outstanding components
13. Select Create Transaction.
14. View the transaction to be created while payoff.
15. Click Submitto create the transaction for the amount payable.
Note: A Supervisor needs to verify the record submitted for paying off of a Retail Loan account.
9.23 Perform verification payoff
2. Select Verify from the Function drop-down list.
3. Type the Retail Loanaccount ID, which is to be pre-closed, in the A/c. IDfield.
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4. Click on GO
5. View the charges details
6. Click Go.
8. Click Submit.
9.24 Inquire loan account balance
1. Enter HLACLIin the Menu Shortcut field to display the Ledger Inquirescreen.
3. Click Go
5. Click Ok.
9.25 Closure of loan account
1. Enter CAACLA in the Menu Shortcut field to display the Close Loan Accountscreen.
2. Select Close from the Function drop-down list.
3. Type the Retail Loan account ID to be pre-closed in the A/c. IDfield.
4. Click Go.
5. Type the closure remarks in the Closure Remarks field.
6. Click Submit to complete the process of closing a Retail Loan account.
Note: A Supervisor needs to verify the record submitted for closing a Retail Loan account.
9.26 Verification of loan account closure
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3. Type the Retail Loan account ID to be verified in the A/c. IDfield.

4. Click Go
9.27 Perform reschedule of loan account
A loan can be restructured by rescheduling and amendment.Amendment is a process of generating a new

repayment schedule for a loan, before the first demand is generated for loan account. Rescheduling is a
process of generating a new repayment schedule for a loan, after the demand is generated.
1. Enter HLARAin the Menu Shortcut field to display the Amendment / Rescheduling of Loansscreen.
2. Select R-Rescheduling from the Function drop-down list.
3. Select a rescheduling option in the Reschedule By drop-down list. Example – using parameter
4. Type the Retail Loan account ID in the A/c. ID field.
5. Enter the rescheduling date and the reason code for rescheduling.
6. Click Go.
7. Enter the rescheduling information.
• Enter No of installment
• Enter carry over details
• Select as flag ‘Apply Interest till date’ ,when interest should be applied till date
• Capitalize interest as yes when interest needs to be captialise along with outstanding
principal
• Select carry over demands as per requirement
8. Visit Payment details tab
9. View the payment schedule created by system
10. Click Amortization schedule
11. Click Ok.
12. Click Submit
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9.28 Perform verification reschedule of loan account
1. Enter HLARAin the Menu Shortcut field to display the Loan Amendment and Reschedulingscreen.
3. Type the Retail Loan account ID, for which the rescheduling is to be verified, in the A/c. IDfield.
4. Click Go.
5. View the details
6. Visit Payment details tab
9. Click Ok.
10. Click Submit
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10. Commercial Loan

10.1 Account opening – Commercial Loan
Loan accounts can be opened in any of the following modes:

1. Normal Account Opening
2. Back-dated Account Opening
Account Opening in Transfer in Mode [It is similar to the normal account opening but applies to only
those accounts that are opened due to transfer from another Service Outlet (SOL). Here, the transfer-in
details, such as the amount recovered in the previous environment and disbursed in the previous
environment, are captured.]
Loan account opening can be modified by maker before loan account opening verification.
1. Enter HOAACCL in the Menu Shortcut field to display the A/c. Opening - Commercial Lendingscreen.
6. Enter Limit node id created for the customer.
7. Click Go.
General details, A/c. Interest details, Loan details, LA Interest, Payment Plan, Payment
Schedule, Fees Detailsare to be mandatorily entered/should be visited while account
opening.
Optional tabs:
2. Document: Document codes can be captured in this tab.
3. Other Details: - this is visited when customer is opting for SWIFT statement
4. Account Limits: - Details related to sanctioned limit can be captured in this tab.
5. Drawdown Schedule: User can maintain the drawdown schedule for the loan account using
this tab.
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Following field is mandatory field to enter: - Following field is mandatory and default
 Mode of operation: Select the mode of populated. Value of these field has been set
operation from searcher universally hence before changing these value,
 A/c. Statement: Select the appropriate please refer detailed document.
mode of generating the Account A/c. Name
Statement. A/c. Short Name
Following fields are co-mandatory to enter: - A/c. Open Date
The following fields are enabled only if User A/c. Report Code
select Statement or Both as the value for Customer Relationship A/c. Manager
the A/c. Statement field. A/c. Manager ID
 Statement Frequency: Select the
frequency for generation of A/c.
Statement.
 Dispatch Mode: Select the dispatch
mode of the A/c. Statement.
10. Go to A/c. Interest details tab :
Following field is mandatory and default

Repricing Details
Repricing Plan
Rate Fixing Method
Pegging Review Date (YY/MM)
Pegging Frequency (MM/DD)
Fixed Rate Term (YY/MM)
Fixed Rate Repricing Frequency (MM/DD)
Fixed to Floating Interest Rate Code
Rule Code for Interest Comparison
Interest Details
Collect Interest
Min./Max. Interest Pcnt.
Customer Preferential Interest
Interest Rate Code
Discounted Interest Rate
Interest Compounding Frequency
Penal Interest
Penal Interest Table Code
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11. Go to Loan Details tab
Following fields are mandatory to enter: Field mentioned in adjacent table will be
Loan Amount: Enter the Loan amount that is mandatory and default populated. Value of these
availed by the customer or sanctioned by the field has been set universallyhence before changing
bank. these value, please refer detailed document.
Loan Period: Enter the tenor the loan in
Months and Days. Repay Method
Hold Operative A/c. for Amt. Due
12. Go to LA Interest Details tab:

universally. Changing the values in the fields will impact
the behavior of the account.
Interest
Interest on Principal
Principal Demand Overdue at the End of the Month
Principal Overdue After
Interest on Interest Demand
13. Go to Payment Plan tab Interest Demand Overdue at the End of the Month
Interest Overdue After
Charge Demand Overdue at the End of the Month
Following fields are mandatory to enter: Charge Overdue After Date
Equated Installment: Select the appropriate Apply Late Fee for Delayed Payment
option to indicate whether the loan is Equated Apply Interest and Penalty Breakup
Installment (EI) type or non-EI type. Grace Period for Late Fee
Installment Start Date: Enter the date on Penal Interest
Interest Start Date
which the first installment has to be paid. Penal Interest on Principal Demand Overdue
Interest Frequency
No. of Installments: Enter the number of Penal Interest on Interest Demand Overdue
installments to repay the loan amount. Normal Interest Product Method
Installment Frequency: Enter the frequency of Penal Interest Based on
installment payment from the Installment start Grace Period for Penal Interest
date.
14. Go to Payment Schedule Tab
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Installment ID
No. of Installments
Installment Amount
Note: User can click on Amortization Schedule button to view the amortization schedule and also can take
the print.
15. Go to Fees Details Tab

Charge Type
Event ID
Max. no. of Assessments
Amortization Tenor
Deductible
 If there is any Power of Attorney, guarantor etc. for the commercial loan, details are to be enteredin Add
related party
 Menu: HOAACMCL
 Enter the account No and click on Go
 Change the value of the field which in
incorrect
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Sometimes there may chance that some wrong data  Click on Submit.
had been entered by maker user during account
opening. If checker found that then steps are mentioned in adjacent table to correct.
18. Verification of Commercial Loan opening (Checker user)

Process for verification of Commercial Loan Account  Menu: HOAACVCL
opening is mentioned in adjacent table.  Mention the account number
 Click on Go
10.2 Loan account modification

You can modify only the following tab’s fields by using the HACMCL menu option:
 General Details
 Loan Details
 Related-Party Details
 MIS Details
1. Enter HACMCLin the Menu Shortcut field to display the CustomerAccounts Maintenance for
Commercial Lendingscreen.
3. Type the Commercial Loan account ID, which is to be modified in the A/c ID field.
4. Click Go.
6. Click Submit.
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10.3 Loan account modification verification
1. Enter HACMLAin the Menu Shortcut field to display the CustomerAccounts Maintenance for
3. Type the Commercial Loan account ID, which is to be modified in the A/c ID field.
4. Click Go.
5. Visit all the mandatory field and verify the details.
6. Click Submit.
10.4 Perform drawdown schedule maintenance
1. Enter HCLDRDN in the Menu Shortcut field to display the Commercial Lending
DrawdownScheduleMaintenancescreen.
3. Enter the Loan account ID in the A/c ID field.
4. Click Go.
5. Start date – enter start date from which amount can be disbursed
6. End date - enter start date from which amount can be disbursed
7. Drawdown Amt- enter the amount which will be available in this period.
8. Drawdown CCY – enter currency code
9. Click Add and add other row if as discussed from step 5 to step 8
10. Click Submit to draw-down.
11. Note: A Supervisor needs to verify the record submitted.
10.5 Perform drawdown
 Drawdown of a commercial loan account can be done only when the commercial loan account is opened
and verified.
 The loan amount can be disbursed to an account that operates in the same currency or in a different
currency.
 The loan amount can be disbursed to one or multiple accounts. If the loan is disbursed to multiple accounts
and the accounts are in different currencies, then the loan can be disbursed in multiple currencies. If the
loan is disbursed in a different currency, the prevailing rate of exchange at the time of disbursement will be
applied.
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 Reversal of drawdown is possible.
1. Enter HCLDRDN in the Menu Shortcut field to display the Commercial Lending Drawdownscreen.
2. Select D-Draw Down from the Function drop-down list.
3. Enter the Loan account ID in the A/c ID field.
4. Select a date of draw-down in the Value Date field.
5. Enter the draw-down amount in the Draw down Amount field.
6. Click Accept.
7. Select deductible fees if required to be collected
8. Click Accept.
9. Select T-Transfer from the Mode of Drawdown drop-down list.
10. Enter or select the credit A/c No.
11. Click Accept.
13. Click Submit to draw-down.
14. Note: A Supervisor needs to verify the record submitted for draw-downof the loan amount.
Note: Effective rate of interest field will be enabled for a loan where drawdown level rate is
applicable
10.6 Perform verification of drawdown
3. Type the Loan account ID, which is to be verified in the A/c ID field.
4. Click Accept.
5. Verify the details of fees.
6. Click Accept.
8. Click Submit to complete the verification process of drawdown. System generates drawdown
transaction ID.
10.7 Inquire loan account ledger
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1. Enter HCLACLIin the Menu Shortcut field to display the Ledger Inquirescreen.
2. Type the Commercial Loan account ID, which is to be inquired in the A/c. IDfield.
3. Click Go
5. Click Ok.
10.8 Reversal of drawdown
15. Select R-Reversal from the Function drop-down list.
18. Click Accept.
19. View the fee details screen
20. Click Accept.
21. Select the debit account number
22. Click Accept.
24. Click Submit.
10.9 Print loan account statement
1. Enter HLAPSP in the Menu Shortcut field to display the Loan A/c. Statement Print screen.
2. Type Report to
3. Type the Loan account ID, in the FromA/c ID and To A/c ID field.
5. Click Submit.System generates statement which can be view or printed using menu HPR
10.10 Print loan repayment schedule
5. Enter HLARSH in the Menu Shortcut field to display the Loan Repayment Schedule Report screen.
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6. Type the Loan account ID, in the From A/c ID and To A/c ID field.
8. Click Submit. System generates repayment schedule report which can be view or printed using
menu HPR
10.11 Perform assessment of fee
Assessment is the process of calculating the fees or charges to be collected for a loan account whereas
Collection is the process of collecting the fee which have already been assessed. During collection,
transactions will be created towards fees collection.
Fees and charges can be assessed and collected using the HLAFACR menu option. The following functions
can be performed:
Assessment of Loan Fee: The fees and charges for the loan can be calculated using A-Fee
Assessment function.
Collection of Loan Fee: The fees and charges for the loan can be collected using C-Fee Collection
function.
Assessment and Collection of Loan Fee: The fees and charges for the loan account can be calculated
and collected using the B-Fee Assessment and Collection function. It is used when you want to
collect the fees and charges at the time of calculation only.
2. Select Fee Assessment from the Function drop-down list.
3. Type the Commercial Loan account ID for which the loan fee is to be assessed in the A/c. ID field.
4. Click Go.
5. Select the check boxes of the charges that need to be assessed and modified, as required.
6. Click Submit to calculate loan fees and charges.
10.12 Perform collection of Fee
2. Select Fee Collection from the Function drop-down list.
3. Type the Commercial Loan account ID for which the loan fee is to be collected in the A/c. ID field.
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4. Click Go.
6. Enter collection amount in the field Collection Amt.
8. Click Go.
9. View the fee assessed amount and the amount to be collected.
10.13 Inquire loan fee collected
1. Enter HCLFEEI in the Menu Shortcut field to display the Loan Fee Details screen.
2. Type the Commercial Loan account ID, which is to be inquired in the A/c. ID field.
3. Click Go
5. Click Ok.
10.14 Perform loan fee waiver
2. Select Waiverfrom the Function drop-down list.
3. Type the Commercial Loan account ID for which the loan fee is to be waived in the A/c. ID field.
4. Click Go.
5. Enter the waiver amount and the reason for waiver.
Note: A Supervisor needs to verify the record submitted for waiving fees and charges for a Commercial
Loan account.
10.15 Perform verification of loan fee waiver
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2. Select Verifyfrom the Function drop-down list.

3. Type the Commercial Loan account ID for which the loan fee is to be waived in the A/c. ID field.
4. Click Go.
5. View the waiver amount and the reason for waiver.
10.16 Perform refund of waived fee
2. Select Refund from the Function drop-down list.
3. Type the Commercial Loan account ID for which the loan fee is to be collected in the A/c. ID field.
4. Click Go.
6. Enter the refund A/c Id and refund CCY.
8. Click Go.
9. View the refund amount details.
10.17 Perform commercial lending scheduled payment
Scheduled Payment: A customer can do a scheduled payment if the demand is already generated. A
scheduled payment is performed using the HCLSPAY menu option. The next scheduled payment will be
on the next instalment (demand) date.
1. Enter HCLSPAY in the Menu Shortcutfield to display the Commercial LendingScheduled Payment
screen
2. Select S-Payment from the Function drop-down list.
3. Enter the account ID in the Loan A/c ID field
4. Select a mode of payment as Transfer in the Tran. Type field.
5. Enter the currency in the CCY field.
6. Click Go.
8. Select the account source ID in the Source A/c ID field.
9. Enter the value date in the Value Date field
10. Click Go.
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11. Check the details of Excess Cr Amtif any.

12. Click Submit to perform the scheduled payment.
Note: A Supervisor needs to verify the record submitted for performing a scheduled payment.
10.18 Perform verification of commercial lending scheduled payment
1. Enter HCLSPAY in the Menu Shortcutfield to display the Commercial LendingScheduled Payment
screen.
4. Click Go.
10.19 Inquire loan overdue position inquire
1. Enter HLAOPI in the Menu Shortcut field to display theLoans Overdue Position Inquiry screen.
3. Click Go
4. View the loan due and overdue details.
5. Click Ok.
10.20 Perform commercial lending unscheduled payment
Unscheduled Payment: A customer can do an unscheduled payment if the Demand is not yet
generated. A partial payment is done using the HCLUPAY menu option. This Job card deals with the
steps to perform Retail loan unscheduled payment.
1. Enter HCLUPAYin the Menu Shortcut field to display the Commercial Lending Unscheduled Payment
screen.
2. Select U-Payment from the Functiondrop-down list.
3. Enter the account ID in the Loan A/c ID field.
5. Click Go.
6. Enter the prepayment amount in the Prepayment Amt field.
7. Enter the source account ID in the Source A/c ID field.
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8. Enter the value date in the ValueDate field

9. Click Accept to specify more payment details.
10. Click Submit to perform an unscheduled payment.
Note: A Supervisor needs to verify the record submitted for performing an unscheduled payment.
10.21 Perform verification of commercial lending unscheduled payment
1. Enter HCLUPAY in the Menu Shortcut field.

2. Select V-Verifyfrom the Function drop-down list.
3. Enter the account ID in the Loan A/c ID field.
4. Click Go.
10.22 Perform payoff of loan account
 Payoff is process of zeroing the loan account outstanding dues.

 The HPAYOFF menu option is used to calculate and collect all the dues for the Loan account. Once the
account is paid off, the balance in the Loan account becomes zero and the account becomes eligible for
closure. The next step is the Closure of Loan Account using the CAACLA menu option.
2. Select Pay Off Loan Amount from the Function drop-down list.
3. Enter the value date of the payoff transaction.
4. Type the Commercial Loanaccount ID, which is to be pre-closed, in the A/c. IDfield.
5. Type the reason code for pre-closure of the Commercial Loan account in the Reason Code field.
6. Select appropriate options in the Payoff Type
7. Select the Transaction Type as Transfer
8. Enter the source account in the collect A/c Idfiled.
9. Click on GO
10. Select and modify the charges to be collected.
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11. Click Go
13. Select Create Transaction.
14. View the transaction to be created while payoff.
15. Click Submitto create the transaction for the amount payable.
Note: A Supervisor needs to verify the record submitted for paying off of a Commercial Loan account.
10.23 Perform verification payoff
3. Type the Commercial Loanaccount ID, which is to be pre-closed, in the A/c. IDfield.
4. Click on GO
6. Click Go.
8. Click Submit.
10.24 Inquire loan account balance
1. Enter HCLACLI in the Menu Shortcut field to display the Ledger Inquire screen.
3. Click Go
5. Click Ok.
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10.25 Closure of loan account
2. Select Close from the Function drop-down list.
3. Type the Commercial Loan account ID to be pre-closed in the A/c. IDfield.
4. Click Go.
5. Type the closure remarks in the Closure Remarks field.
6. Click Submit to complete the process of closing a Commercial Loan account.
Note: A Supervisor needs to verify the record submitted for closing a Commercial Loan account.
10.26 Perform rescheduling of commercial loan account
A loan can be restructured by rescheduling and amendment.Amendment is a process of generating a new

repayment schedule for a loan, before the first demand is generated for loan account. Rescheduling is a
process of generating a new repayment schedule for a loan, after the demand is generated.
1. Enter HCLARA in the Menu Shortcut fieldto display the Amendment/Rescheduling of Commercial
Lending screen
2. Select R-Rescheduling from the Function drop-down list.
3. Type the ID of a Corporate Loan account in the A/c. ID field.
4. Enter the reason code in the Reason Code filed.
5. Click Go.
6. Enter the rescheduling information.
• Enter No of installment
• Enter carry over details
• Select as flag ‘Interest upto date’ ,when interest should be applied till date
• Capitalize interest as yes when interest needs to be capitalize along with outstanding
principal
• Select carry over demands as per requirement
7. Visit Flow tab
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10. Click Ok.
11. Click Submit
10.27 Perform verification of rescheduling of commercial loan account
1. Enter HCLARAin the Menu Shortcut field to display the Amendment and Rescheduling of
3. Type the Commercial Loan account ID, for which the rescheduling is to be verified, in the A/c. IDfield.
4. Click Go.
5. View the details
6. Visit Flow tab
9. Click Ok.
10. Click Submit
10.28 Perform Auto account opening for Debt consolidation
1. Enter HOAACACL in the Menu Shortcut fieldto display the Commercial Lending Automatic A/c.
Openingscreen
2. Scheme Code – enter scheme code
3. OLD A/c ID - enter old account
4. CCY – enter currency
5. Loan Amt. - enter loan amount
6. A/c Status – select Restructured Loan
7. Loan Period – enter the restructured loan tenor
8. Click Submit. System opens account id.
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10.29 Perform Debt consolidation
1. Enter HDBTCON in the Menu Shortcut fieldto display the Debt Consolidation of A/csscreen
2. Function – select function as Add
3. Value date – defaults as BOD which can be changed
4. Mode of Transfer – it defaults as Full which can be changed as Partial
5. Click Go.
6. Credit Details
• Enter A/c ID which needs to be restructured.
• Click Add and enter another A/c ID which needs to be restructured.
7. Click Accept
8. Debit Details
• Enter A/c ID which has been opened with status as Restructured A/c
• Enter the amount of restructuring
9. Click Submit.
10. Note: A Supervisor needs to verify the record.
10.30 Perform Auto account opening for loan crystallisation
1. Enter HOAACACL in the Menu Shortcut fieldto display the Commercial Lending Automatic A/c.
Openingscreen
2. Scheme Code – enter scheme code
3. OLD A/c ID - enter old account
• At account level ,crystallisation flag must have been set as Yes with crystallisation CCY as
INR(local CCY)
4. CCY – enter currency as INR
5. A/c Status – select Crystallization
6. Loan Period – enter the restructured loan tenor
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10.31 Perform loan crystallisation
1. Enter HCRY in the Menu Shortcut fieldto display the Crystallization of Overdue Installmentsscreen
2. A/c ID– enter account id which needs to be crystallised.
4. View the details
5. Click Submit. System generates Tran id.
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110
11. Rate Maintenance

11.1 Maintain rate list
1. Enter HMNTRTLM in the Menu Shortcut field to display Maintain Rate list screen is displayed.
2. Select A - Addfrom the Function drop-down list
3. Enter Between CCY
4. Enter And CCY
5. Enter New Rate list effective date
6. Enter Rate list No.
7. Click Go.
8. Enter Rate code for which you want to maintain rates
9. Enter New Rate
10. Enter New Treasury Rate
11. Enter Tolerance(-) and Tolerance(+) if applicable
12. Enter Treasury Tolerance(-) and Treasury Tolerance(+) if applicable
13. Click Add button to add rates for another rate code. Add the details as mentioned from step 8 to
step 12.
14. Click Submit.
11.2 Verification of rate list maintained
1. Enter HMNTRTLM in the Menu Shortcut field to display Maintain Rate list screen is displayed.
2. Select V - Verifyfrom the Function drop-down list
4. Enter And CCY
5. Click Go.
6. Verify the details added.
7. Click Submit.
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11.3 Rate list history inquire
1. Enter HRTHQRY in the Menu Shortcut field to display Rate List History Queryscreen is displayed.
2. Select V - Verifyfrom the Function drop-down list
4. Enter And CCY
5. Click Submit.
6. Verify the details added.
7. Click Back.
11.4 Upload rates
9. Enter HMNTRTLin the Menu Shortcut field to displayMaintain Rate list screen is displayed.
10. Select File location as Local File Pathwhen file is kept in the user desktop
11. Click Submit.
12. Click Browse and select the file to be uploaded
13. Click Go.System generates success and failure reports.
14. View & print forward contract note using menu HPR
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12. Forward Contract

12.1 Booking of forward contract
1. Enter MNTFWC in the Menu Shortcut field to display Maintain Forward Contract screen is
displayed.
2. Select A - Booking of Contractfrom the Function drop-down list.
3. Enter Forward Contract Type
4. Enter Currency code in the field CCY
6. Click Go.
General tab
7. Enter customer operative Account ID in the field A/c ID.

8. Entercontract amount in the field Forward Contract Amt
9. Enter contract rate code in the field Contract Rate Code
10. Enter Valid from date
11. Enter Valid to date
Visit Margin tab
12. Select Type of Margin – L - Lien

13. Enter Margin amount
Note: Rate code will be entered when type of margin is cash and customer operative account is in
INR
Visit Charges tab

15. Click Submit.
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12.2 Verification of forward contract booked
displayed.
2. Select V - Verificationfrom the Function drop-down list.
3. Type the forward contract number in the field Forward contract No.
4. Click Go.
General tab
5. View the details
Margin tab
6. View the margin details

Charges tab

8. Click Submit
12.3 Inquire forward contract
displayed.
2. Select I - Inquirefrom the Function drop-down list.
4. Click Go.
General tab
5. View the details
Margin tab
Charges tab
History tab
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8. View the history details each event wise

9. Click Ok.
12.4 Print forward contract note
1. Enter FWCNOTE in the Menu Shortcut field to displayForward Contract Note Printing screen is
displayed.
3. Click Submit.System generates the advice.
4. View & print forward contract note using menu HPR
12.5 Cancel forward contract
displayed.
2. Select N–Cancellation of contractfrom the Function drop-down list.
4. Click Go.
Cancellation tab
5. Enter the cancellation amount in the field Cancellation Amount

6. Enter cancellation rate code
General tab
7. View the details
Margin tab

9. Select Margin Action as “Release”
10. Click Go.
11. Release amount is defaulted which can be modified in case of partial release
Charges tab
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13. Click Submit.
12.6 Extension of forward contract
displayed.
2. Select E –Extension of contractfrom the Function drop-down list.
4. Click Go.
Extension tab
5. Enter new validity date from in the field New Validity From
6. Enter new validity date from in the field New Validity To
7. Enter new rate code
General tab
8. View the details

Margin tab
Charges tab

11. Click Submit.
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12.7 Inquire on forward contract
1. Enter IFWC in the Menu Shortcut field to displayInquire on Forward Contract screen is displayed.
2. Specify the criteria for inquire
3. Click Go.
4. System list the contracts based on set criteria.
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13. Bank Guarantee

13.1 Issuance of BG
1. Enter OGM in the Menu Shortcut field to display Outward Guarantee Maintenancescreen is
displayed.
2. Select A - Addfrom the Function drop-down list.
3. Enter Guarantee Type
6. Click Go.
General tab

8. Enterguarantee amount in the field Guarantee Amt
9. Enter payment system mode as SWIFT or SFMS(based on requirement) in the field PAYSYS ID
Party Details tab
10. Enter Beneficiary Details

a. Enter Name of beneficiary
b. Address line 1, 2 and 3 (based on requirement)
c. Select Type, Government or Others
Note: Enter CIF ID if beneficiary’s CIF is available .System populates name and address from CIF
11. Enter Advising Bank/Correspondent bank if applicable

a. Enter Bank
b. Enter Branch
Guarantee Detail tab
12. Enter purpose of guarantee details in the field Purpose of Guarantee

13. Enter Expiry period in Months/Days
14. Enter Claim period(if applicable)in Months/Days
15. Select Applicable rule from dropdown
16. Visit Next Page by click top arrow Next page button
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17. Enter guarantee details in the field Details of Guarantee 1 .You can also enter details in Details of
Guarantee 2 and Details of Guarantee 3 in case guarantee contains are more .
Limit Details
16. Enter Limit id of the customer
Margin tab

INR
Charges tab

Outward Message details
20. View the message 760.

21. View messages details.
22. Click Accept.
23. Click Submit.

Document tab – you can visit document tab and capture document received while performing a
particular operation/event.
Instruction tab – you can visit and capture instruction received.
13.2 Verification of BG Issuance
displayed.
2. Select V- Verifyfrom the Function drop-down list.
3. Enter Guarantee number in the field Guarantee No.
4. Click Go.
General tab
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5. View the details
Party detail tab
6. View the details
Guarantee detail tab

7. View the details of both page
Limit tab
8. View the limit details
Margin tab
Charges tab

13. Click Submit
13.3 Inquire Outward BG
displayed.
4. Click Go.
General tab
5. View the details
History tab

7. Click Ok.
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13.4 Print Bank Guarantee
1. Enter HBGPRINT in the Menu Shortcut field to displayBank GuaranteePrinting screen is

displayed.
2. Type the guarantee number in the field From Guarantee No.
3. Select Report Template Name.
5. View & print Guarantee details using menu HPR
13.5 Amendment of Outward BG
displayed.
2. Select U - Amendmentfrom the Function drop-down list.
4. Select Amendment type as per requirement
a. External – External is selected when bank needs to get the consent of other side .In this
case system generates amendment message 767.
b. Internal - Internal is selected when bank is receiving amendment details from other
side/party, and bank does not need to send amendment message 767.
5. Click Go.
Amendmenttab
6. Make the amendment as per the requirement

a. Enhance /Reduce amount
b. Change in Expiry /Claim period
c. Amendment status
i. Accepted – this is selected when no further consent is needed from other side
ii. Waiting for acceptance – Amendment can be marked as “Waiting for
acceptance “ and later the status can be changes as “Accepted” or “Rejected”
iii. Rejected - this is selected when any one of the party has rejected the
amendment.
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7. Make the changes if needed.
Margin tab
Collect extra margin in case of enhancement of BG amount

INR
Charges tab
General tab
11. View the details
Party tab

15. Click Accept.
16. Click Submit.

13.6 Verification of BG Amendment
displayed.
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4. Click Go.
Amendment tab
5. View the details
General tab
6. View the details
Party detail tab
7. View the details
Limit tab
Margin tab
Charges tab

14. Click Submit
13.7 Perform Amendment status maintenance
displayed.
2. Select S- Amendment Status Maintenance from the Function drop-down list.
4. Select Amendment Sequence No.
5. Click Go.
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Amendment tab
6. Change Amendment status as “Accepted” or “Rejected” as per the requirement.

7. Click Submit
13.8 Mark Invoke BG
displayed.
2. Select G–Mark Invokefrom the Function drop-down list.
4. Click Go.
Invocationtab
5. Enter invocation amount

6. Claim date is defaulted as BOD which can be changed
7. Set Stay order as yes if there is any stay order against invocation.
8. Stay order date has to be entered when Stay order flag is set as yes
Note: BG marked as stay order can not be invoked until BG is again mark as stay order as No by
using Modify function.
9. Click Submit.
13.9 Verification of Mark invoke Amendment
displayed.
4. Click Go.
5. View the invocation details
6. Click Submit
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13.10 Perform Invocation
displayed.
4. Select Mark invocation Srl No.
5. Click Go.
Invocation tab
System debits operative account for the invocation claim amount .Loan is given when operative
account does not have sufficient balance
6. Enter loan account id in the field Loan A/c

7. Select “Remit through Message System” as yes when invocation amount needs to be transferred
using payment system (SWIFT)
Note:If “Remit through Message System” as yes then Visit payment system tab and provide
below details;
a. Enter Paysys ID as SWIFT
b. Enter SLA category as CRED
c. Enter Collection Correspondent Bank and Branch
d. Enter Payment date
e. Visit Outward Message Details
f. View the message
g. Click Accept.
Margin tab

10. Click Go.
12. Click Submit
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13.11 Perform Reversal of BG
displayed.
2. Select R–Reversalfrom the Function drop-down list.
4. Click Go.
Margin tab

7. Click Go.
9. Click Submit.
13.12 Inquire Outward BG
displayed.
4. Click Go.
General tab
5. View the details
History tab

7. Click Ok.
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13.13 Perform Reversal of BG
displayed.
2. Select R–Reversalfrom the Function drop-down list.
4. Click Go.
Margin tab

7. Click Go.
9. Click Submit.
13.14 Closure of BG
displayed.
2. Select Z–Closefrom the Function drop-down list.
4. Click Go.
Margin tab
7. Click Go.
8. Release amount is defaulted
9. Click Submit.
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13.15 Advice of BG
1. Enter IGM in the Menu Shortcut field to display Inward Guarantee Maintenancescreen is
displayed.
3. Enter Guarantee Type
6. Click Go.
General tab

8. Enterguarantee amount in the field Guarantee Amt
9. Enter other bank reference number in the field Other Bank Ref No.
Party Details tab
11. Enter Applicant Details

d. Enter Name of beneficiary
e. Address line 1, 2 and 3 (based on requirement)
f. Select Type, Government or Others
Note: Enter CIF ID if applicant’s CIF is available .System populates name and address from CIF
12. EnterGuarantor bank details
a. Enter Bank
b. Enter Branch
13. Enter purpose of guarantee details in the field Purpose of Guarantee

14. Enter Expiry period in Months/Days
15. Enter Claim period(if applicable)in Months/Days
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18. Enter guarantee details in the field Details of Guarantee 1 .You can also enter details in Details of
Guarantee 2 and Details of Guarantee 3 in case guarantee contains are more .
Charges tab


22. Click Accept.
23. Click Submit.

13.16 Verification of BG Advise
displayed.
4. Click Go.
General tab
5. View the details
Party detail tab
6. View the details
Charges tab
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11. Click Submit
13.17 Inquire Inward BG
displayed.
4. Click Go.
General tab
5. View the details
History tab
7. Click Ok.
13.18 Amendment of Inward BG
displayed.
2. Select U - Amendmentfrom the Function drop-down list.
a. External – External is selected when bank needs to get the consent of other side. System
generates message 768.
side/party.System does not generate message 768.
5. Click Go.
Amendmenttab
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b. Change in Expiry /Claim period
c. Amendment status
ii. Waiting for acceptance – Amendment can be marked as “Waiting for acceptance
“ and later the status can be changes as “Accepted” or “Rejected”
amendment.
7. Make the changes if needed.
Charges tab
General tab
9. View the details
Party tab


13. Click Accept.
14. Click Submit.

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13.19 Verification of BG Amendment
displayed.
4. Click Go.
Amendment tab
5. View the details
General tab
6. View the details

Party detail tab
7. View the details

Charges tab

12. Click Submit
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13.20 Perform Amendment status maintenance
displayed.
5. Click Go.
Amendment tab

7. Click Submit
13.21 Inquire Inward BG
displayed.
4. Click Go.
General tab
5. View the details

History tab

7. Click Ok.
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14. Preshipment Finance

14.1 Pre-shipment Account opening
Forpre-shipment account opening, the account holder/customer must have a CIF ID. All the general
information related to the customer is captured as a part of CIF ID creation.
1. Enter OAACPS in the Menu Shortcut field to display the Open a PCA Financing Accountscreen.
2. Function is Open which is auto selected.
5. CCY (currency code) is defaulted as INRwhich can be changed.
7. Click Go.
General Details
9. Enter if required relevant fields like
a) Account opening date
b) Account statement – if account statement is selected as Statement then specify the value of
the statement frequency, next print date and dispatch mode
Account Interest
10. Enter if required relevant fields like
a) View A/C Interest Details.
b) Input the Interest Debit account as O- Operative A/c
c) Enter operative account of customer in thefield Interest Debit A/c ID
Scheme Details
11. Enter Max Allowed Limit
12. Enter Sanction Limit
13. Enter Expiry date
14. Select Single Transaction as Yes or No
a) Select ‘single transaction’ flag as yes for opening non –running PCA account
b) Select ‘single transaction’ flag as no for opening running PCA account
15. Select DisbursementIndicator as Single or Multiple
16. Select Credit Insurance cover as Yes or No
17. Enter customer operative account in the field Credit Insurance Debit A/c. ID
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Account Limits
18. Add the details of the sanction limit in this tab.
a) Sanction date
b) Expiry date
c) Document Date
d) Sanction level
e) Sanction authority
f) Limit ref no
g) Drawing power ind
MIS Codes
19. Select the purpose of advance and offering code etc.
Related Party Details
20. Add related party such as joint holder, if needed.
21. Click Submit. System generates account ID.
Note: A Supervisor needs to verify the record submitted for Opening a PCA Financing Account.
Note: Document codes can be captured in the Document details tab.
14.2 Modification before verification
1. Enter OAACMPSin the Menu Shortcut field to display the Open a PCA Financing Accountscreen.
2. Type the Pre-shipment account ID that is to be modified in the A/c ID field.
3. Click Go
5. Visit the tab under which you want to make changes .Make the required changes.
6. Click Submitto complete the process of modifying the details of a pre-shipment account.
Note: A Supervisor needs to verify the record submitted for modifying a pre-shipment account before
verification.
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14.3 Account opening verification
1. Enter OAACVPSin the Menu Shortcut field to display the Open a PCA Financing Accountscreen.
3. Type the Pre-shipment account ID, which is to be verified in the TemporaryA/c. IDfield.
4. Click Go visit all the mandatory field and verify the details.
5. Click Submit.
14.4 Modify Account Data after account opening
You can modify only the following tab’s fields by using the ACMPS menu option:
 General Details
 Scheme Details
 MIS Details
1. Enter ACMPSin the Menu Shortcut field to display the Maintain Customer A/c under PCA Financing
screen.
3. Type the Pre-shipment account ID, which is to be modified in theA/c. IDfield.
4. Click Go.
7. Click Submitto complete the process of modifying the details of a pre-shipment account.
Note: A Supervisor needs to verify the record submitted for modifying a pre-shipment account before
verification.
14.5 Verify Account Data Modification
1. Enter ACMPSin the Menu Shortcut field to display the Maintain Customer A/c under PCA Financing
screen.
3. Type the Pre-shipment account ID, which is to be verified in theA/c. IDfield.
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4. Click Go.
6. Visit all the mandatory tabs such as Interest, Scheme, Related Party and Addl. Info.
7. Click Submitto complete the process of verifying the modification details of a pre-shipment account.
14.6 Maintain Purchase Order
1. Enter MPOD in the Menu Shortcut field to display the Open a PCA Financing Accountscreen.
2. Function is Add which is auto selected.
3. Enter Purchase Order No.
4. Click Go.
Order Details
6. Enter Order value CCY/Amount

7. Enter Rate code
8. Enter Date of contract
9. SelectInland /Foreign ind
10. EnterMargin percentage
11. Click Commodity Code Icon
12. Enter Commodity details
g. Commodity Code
h. Unit Cost
i. No of unit
j. Click Accept
13. Enter Destination country
14. Enter Latest date of shipment
15. Enter exporter CIF id in the field CIF ID under Drawer/Exporter/Seller Details
16. Enter Drawee/Importer/Buyer Details
a. Enter name of buyer
b. Address line 1, 2 and 3 (based on requirement)
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Note: Enter CIF ID if buyer’s CIF is available .System populates name and address from CIF
17. Click Submit.
14.7 Verification of purchase order maintained
1. Enter MPOD in the Menu Shortcut field to display the Open a PCA Financing Accountscreen.
2. Function is Verify which is auto selected.
3. Enter Purchase Order No.
4. Click Go.
5. Verify the details entered.
6. Click Commodity Code Icon
7. View the details
8. Click Accept
9. Click Submit.
14.8 Disbursement
1. Enter MPT in the Menu Shortcut field to display the Open a PCA Financing Accountscreen.
2. Select Disbursement from the Function drop-down list.
3. Enter the Pre-shipment account ID, in the FinancingA/c. IDfield.
4. Click Go.
Disbursement details
5. Enter disbursement amount

6. Enter disbursement date
7. Enter due date
8. Enter customer operative account in the field A/c. ID
Purchase Order details
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9. Select Entity Ref Indicator as Purchase Order

10. Enter Purchase order IDin the field Entity Ref Number
11. Enter utilization amount
Interest details
12. Enter preferential rate if applicable in +/- in the field A/c Preferential
13. Enter interest end date
14. Click Submit. System generates disbursement id.
14.9 Verification of disbursement
1. Enter MPTin the Menu Shortcut field to display the Open a PCA Financing Accountscreen.
3. Enter disbursement id
4. Enter the Pre-shipment account ID, in the FinancingA/c. IDfield.
5. Click Go.
Disbursement details
6. View the details
Purchase Order details
7. View the details
Interest details
8. View the details
9. Click Submit.
14.10 Inquire Account Ledger
1. Enter HACLIin the Menu Shortcut field to display the Account Ledger Inquirescreen.
2. Enter the account ID.
3. Click Go.
4. View the details
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5. Click Ok.
14.11 Inquire Preshipment Credit Interest Inquire
1. Enter IPCIin the Menu Shortcut field to display the Inquire on Financing Account Interest screen.
2. Enter the account ID in the field PCA Financing A/c ID.
3. Select Account Type as Preshipment Credit
4. Click Go.
5. View the details
6. Click Ok.
14.12 Preshipment Credit Inquire
1. Enter HEXPPCI in the Menu Shortcut field to display the Preshipment Credit Inquire screen.
2. Enter the customerID in the field CIF ID.
3. Enter other criteria based on requirement
4. Click Go.
5. View the details
6. Click Ok.
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15. Documentary Credit

15.1 Issuance of DC
1. Enter ODCM in the Menu Shortcut field to display Outward Documentary Credit
Maintenancescreen is displayed.
2. Select S - Issuefrom the Function drop-down list.
3. Enter DC Type
6. Click Go.
General details tab

9. Enterdocumentary credit amount in the field DC Open Value
10. Enter Tolerance %(+/-)
Related Party Details tab
12. Enter Beneficiary Details

k. Enter Name of beneficiary
l. Address line 1, 2 and 3 (based on requirement)
Note: Enter CIF ID if beneficiary’s CIF is available .System populates name and address from CIF
13. Enter Advising Bank

a. Enter Bank
b. Enter Branch
14. Enter Available with Bank
a. Enter Bank
b. Enter Branch
c. Select Available by from below options
i. By Acceptance
ii. By Deferred Payment
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iii. By Mixed Payment

iv. By Negotiation
v. By Payment
Note: Enter details of other parties if applicable (Drawee Bank, Advise through Bank,
Reimbursing Bank, Transferring Bank)
DC Detail tab
15. Select the ‘Form of Documentary Credit ‘ as per requirement

a. Irrevocable
b. Transferrable
c. Revolving
d. Deferred
e. Open Ended
f. Standby
g. Back to Back
h. Red Letter
16. Specify Revolving DC Detailsif DC is of revolving type
a. Select proper Reinstatement type .Select “value of utilization based “ when
reinstatement will be done based on utilization
b. Enter max reinstatement number in the field “Max Reinstatement”
18. Select Tenorvalue
19. Enter Tenor in Months /Days
20. Enter Expiry Date
21. Enter place of expiry in the field Place of Expiry
23. Enter latest date of shipment
24. Enter Negotiation period in days
25. Enter INCO term in the field Shipment Term
26. Select Confirmation Instruction
a. Confirm – if confirm is selected then select confirmation by details
b. Without
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c. May Add
Limit Details
18. Enter Limit id of the customer

Margin tab

INR
Charges tab

32. Click Accept.
33. Click Submit.

Reimbursement Claim – Reimbursement claim message MT740 is generated by system when
Reimbursing bank under related party tab and Reimbursement details under DC details tab is
captured.
15.2 Verification of DC Issuance
3. Enter documentary credit number in the field DC No.
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4. Click Go.
General details tab
5. View the details
Related Party detail tab

6. View the details
DC detail tab
Limit tab
Margin tab
Charges tab

13. Click Accept
14. Click Submit
15.3 Inquire Outward DC
2. Select I- Inquirefrom the Function drop-down list.
Click Go.
General details tab

4. View the details
History tab
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6. Click Ok.
15.4 Amendment of Outward DC
2. Select A- Amendmentfrom the Function drop-down list.
5. Click Go.
Amendmenttab

b. Change in Tenor period
c. Make the other changes as required.
d. Amendment status
amendment.
Margin tab
Collect extra margin in case of enhancement of DC amount

INR
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Charges tab
General Details tab

Related Party tab

14. Click Accept.
15. Click Submit.

Amendment of Reimbursement Claim – Amendment of Reimbursement claim message MT747 is
generated by system when Reimbursing bank under related party tab and Reimbursement details
under DC details tab is captured while issuance of DC.
15.5 Verification of Outward DC Amendment
4. Click Go.
Amendment tab
5. View the details
General tab
6. View the details
146
7. View the details
DC detail tab
Limit tab
Margin tab
Charges tab

14. Click Submit
15.6 Perform Outward Amendment status maintenance
2. Select T- Amendment Status Maintenance from the Function drop-down list.
5. Click Go.
Amendment tab

7. Click Submit
147
15.7 Inquire Outward DC
Click Go.
General details tab

4. View the details
History tab

6. Click Ok.
15.8 Perform Non bill utilization of Outward DC
2. Select U- Non Bill Utilization from the Function drop-down list.
4. Click Go.
Non Bill Utilization tab
5. Enter Non Bill Utilization amount.

6. Click Submit
15.9 Perform Reinstatementof Outward DC
2. Select R- Reinstatement from the Function drop-down list.
148
4. Click Go.
DC Details tab
5. View Reinstatement amount.

6. Click Submit
15.10 Perform Closureof Outward DC
2. Select Z- Close from the Function drop-down list.
4. Click Go.
Margin tab

12. Click Go.
13. Release amount is defaulted
14. Click Submit.
15.11 Advise DC
1. Enter IDCM in the Menu Shortcut field to display Inward Documentary Credit
3. Enter DC Type
149
6. Click Go.
General details tab

8. Enterdocumentary credit amount in the field DC Open Value
9. Enter Tolerance %(+/-)
10. Enter other bank reference number in the field Other Bank Ref No.
Related Party Details tab
12. Enter Applicant Details

m. Enter Name of beneficiary
n. Address line 1, 2 and 3 (based on requirement)
Note: Enter CIF ID if applicant’s CIF is available .System populates name and address from CIF
13. Enter Issuing Bank

a. Enter Bank
b. Enter Branch
14. Enter Available with Bank
a. Enter Bank
b. Enter Branch
c. Select Available by from below options
i. By Acceptance
ii. By Deferred Payment
iii. By Mixed Payment
iv. By Negotiation
v. By Payment
Note: Enter details of other parties if applicable (Applicant Bank, Drawee Bank, Advise through
Bank, Reimbursing Bank, Transferring Bank)
DC Detail tab
15. Select the ‘Form of Documentary Credit ‘ as per requirement

a. Irrevocable
b. Transferrable
c. Revolving
150
d. Deferred
e. Open Ended
f. Standby
g. Back to Back
h. Red Letter
16. Specify Revolving DC Detailsif DC is of revolving type
a. Select proper Reinstatement type .Select “value of utilization based “ when
reinstatement will be done based on utilization
b. Enter max reinstatement number in the field “Max Reinstatement”
18. Select Tenorvalue
19. Enter Tenor in Months /Days
20. Enter Expiry Date
21. Enter place of expiry in the field Place of Expiry
23. Enter latest date of shipment
24. Enter Negotiation period in days
25. Enter INCO term in the field Shipment Term
26. Select Confirmation Instruction
a. Confirm – if confirm is selected then
i. Select confirmation by details
ii. Select Add Confirmation ‘s value either Full or Partial
iii. Enter confirmation amount in the field Confirmation Amt.
b. Without
c. May Add
Charges tab

30. Click Accept.
151
31. Click Submit.

Advise Through - MT710 is generated when DC is advised to beneficiary by advice through bank.
15.12 Verification of Advised DC
1. Enter IDCM in the Menu Shortcut field to display InwardDocumentary Credit

4. Click Go.
General details tab
5. View the details
6. View the details

DC detail tab

Charges tab

11. Click Accept
12. Click Submit
152
15.13 Inquire Inward DC

Click Go.
General details tab

4. View the details
History tab

6. Click Ok.
15.14 Amendment of Inward DC

2. Select A- Amendmentfrom the Function drop-down list.
5. Click Go.
Amendmenttab

b. Change in Tenor period
c. Make the other changes as required.
153
d. Amendment status
amendment.
Charges tab
General Details tab
8. View the details
Related Party tab
9. View the details

DC Details tab


13. Click Accept.
14. Click Submit.

15.15 Verification of Inward DC Amendment
154
4. Click Go.
Amendment tab
5. View the details
General tab
6. View the details
7. View the details
DC detail tab
Charges tab

12. Click Submit
15.16 Perform Inward Amendment status maintenance
2. Select T- Amendment Status Maintenance from the Function drop-down list.
5. Click Go.
Amendment tab

7. Click Submit
155
15.17 Inquire Inward DC
Click Go.
General details tab

4. View the details
History tab

6. Click Ok.
15.18 Transfer Inward DC

2. Select Q- Transferfrom the Function drop-down list.
4. Click Go.
Transfer Details tab
5. Transfer Date is defaulted as BOD which can be changed.

6. Enter Transferor Details
o. Enter Name of beneficiary
p. Address line 1, 2 and 3 (based on requirement)
Note: Enter CIF ID if beneficiary CIF is available .System populates name and address from CIF
7. Enter Account id if transferor has account with bank.

8. Enter Transfer amount details
a. Enter Transfer amount
9. Click Transfer Details Icon
10. Enter Transferred Documentary Credit No.
156
11. Enter Latest Date of Shipment

12. Enter Advising Bank
a. Enter Bank
b. Enter Branch
13. Enter other optional details if needed
14. Click Add to add another transferor details and follow the steps from step no 5 to step no 13.
Charges tab

18. Click Accept.
19. Click Submit.

15.19 Inquire Documentary Credit
1. Enter DCQRY in the Menu Shortcut field to display Inquire on Documentary Creditsscreen is
displayed.
2. Specify the criteria for generation of inquire
3. Select Report File Name template
4. Click Go.
5. Select the record which you want to print.
6. Click Print. System generates report.
7. View and print the report using menu HPR.
157
16. Bills
16.1 Export Bill Lodgement – Without DC
1. Enter MEOB in the Menu Shortcut field to display Maintain Export and Outward Billscreen is
displayed.
2. Select G - Lodgefrom the Function drop-down list.
3. Enter Bill Type
6. Select Under Documentary Credit flag as Yes if Bill is under LC
7. Click Go.
General Details
8. Enter customer operative Account ID in the field OperativeA/c ID.
9. Enterbill amount in the field Bill Amt
10. Enter bill country in the field Bill Country
11. Enter payment system mode as SWIFT(based on requirement) in the field PAYSYS ID
Party Details tab
12. Enter Drawee/Importer Details

q. Enter Name of drawee/importer
r. Address line 1, 2 and 3 (based on requirement)
Note: Enter CIF ID if importer’s CIF is available .System populates name and address from CIF
13. EnterDrawee Bank Detailsif applicable

a. Enter Bank
b. Enter Branch
15. Enter other bank details based on requirement.
Tenor Details tab
16. Tenor is applicable for usance bill .Enter Tenor details in months/days.
158
17. Enter transit period in the field Fixed Transit Period(DDD)

18. Enter Bill date
19. Enter On Board date of bill
Bill Details
20. Enter the details based on requirement .Some of them are as below:
a. Carrier code
b. Origin of good
c. Port Details
d. Shipment Term(INCO Term)
e. Insurance details
22. Enter invoice amount in the field Invoice Amt.
23. Enter other details based on requirement. Some of them are as below:
a. Discrepancy
b. Intermediary Trade
c. Purpose of Bill
d. Notional Conversion Rate
Document
24. You can visit document tab and capture document received while performing a particular
operation/event.
Miscellaneous Details
Add GR details .Multiple GR details can be added and bill can be realized for each GR .BRC no is
generated while realization of bill.
25. Select Form Code as GR

26. Enter custom number in the field Custom No.
27. Enter invoice number in the field Invoice No.
28. Enter invoice date
29. Enter shipment number in the field Shipment No.
30. Enter shipment date
159
31. GR amount is populated as bill amount .This can be changed as there could be multiple GR
/invoice for the total bill amount.
32. Enter other details as per requirement
33. Click Add button if another GR needs to be added .Enter all the mandatory details as explained
Eventtab
34. View the event details
Charges tab
Transactiontab
36. View the transaction details

37. Click Submit.

Instruction tab – you can capture instruction received.
16.2 Verification of Export Bill Lodgement
displayed.
2. Select V - Verifyfrom the Function drop-down list.
3. Enter bill number in the field Bill Id.
4. Click Go.
General Details
5. View the details
Party Details tab
6. View the details

8. View the details
Tenor Details tab
9. View the details
160
Bill Details

Document
Eventtab

Charges tab

Transactiontab

18. Click Submit.
16.3 Inquire Export Bill
displayed.
4. Click Go.
General tab
5. View the details
History tab

7. Click Ok.
161
16.4 Print Bill Advice
1. Enter BADVP in the Menu Shortcut field to displayBill Advice Printing screen is displayed.
2. Type the bill number in the field From Bill Id.
3. Enter other criteria as per requirement
4. Select the Inland/Foreign Indicator
16.5 Amend Export Bill
displayed.
2. Select E–Amend Billfrom the Function drop-down list.
4. Click Go.
Tenor Details
5. Change the tenor details as per the requirement.
6. Enter Extension Authority
a. RBI
b. Self
c. Authorised Dealer
General Details
7. View the details
Party Details tab
8. View the details

Eventtab
162
Charges tab
Transactiontab

14. Click Submit.
16.6 Accept Export Bill
displayed.
2. Select A - Acceptfrom the Function drop-down list.
4. Click Go.
Tenor Details
5. Enter Acceptance Date
General Details
6. View the details
Party Details tab

7. View the details
9. View the details
10. Click Submit.
163
16.7 Purchase Export Bill
displayed.
2. Select P- Purchasefrom the Function drop-down list.
4. Click Go.
Purchase Details
5. Bill Purchase A/c ID – Enter customer bill purchase account

6. Bill Purchase Amt. – This is defaulted as bill amount which can be changed for partial purchase
Pre-shipmentDetails
7. Visit pre-shipment tab if customer has any pre-shipment account which needs to be realized
from the bill purchase amount.
8. A/c ID – Enter pre-shipment account of customer
9. Click Go.
10. System list all the disbursement ids
11. Enter adjustment amount against the disbursement id
Event Details
12. View the details defaulted.

Charges tab

Transactiontab

15. Click Submit.
164
16.8 Realisation of Export Bill
displayed.
2. Select R -Realizefrom the Function drop-down list.
4. Click Go.
5. View the GR details

6. Realization Amt. – This is defaulted as invoice amount mentioned as part of GR.
Realization Details
7. Realization A/c ID – Enter realization account

8. Bill Realization Amt. - This defaults as bill amount .Enter bill realization amount in case of partial
realization.
9. Nostro Amt. - This defaults as bill realization amount .Enter nostro amount if nostro amount and
realization amount is different.
10. EEFC Realisation Amt. – Enter EEFC realization amount
Pre-shipmentDetails
13. Click Go.
Event Details

17. Under Purchase /sale block, enter EEFC account in case some portion of realization amount is
being credited to EEFC account
Charges tab
165
Transactiontab

20. Click Submit.
16.9 Dishonor Export Bill
displayed.
2. Select N-Dishonorfrom the Function drop-down list.
4. Click Go.
Recovery Details
5. Recovery amount is defaulted as bill purchased amount which can be changed in case of partial or
zero recovery.
General Details
5. View the details
Party Details tab
6. View the details

8. View the details
Eventtab
Charges tab
Transactiontab

12. Click Submit.
166
16.10 Export Bill Recovery
displayed.
2. Select O-Recoveryfrom the Function drop-down list.
4. Click Go.
Recovery Details
5. Recovery amount is defaulted as amount to be recovered which can be changed in case of partial
or zero recovery.
General Details
5. View the details

Party Details tab
6. View the details

8. View the details
Eventtab
Charges tab
Transactiontab
12. Click Submit.
167
16.11 Export Bill Closure
displayed.
2. Select Z - Closefrom the Function drop-down list.
4. Click Go.
5. View the details
6. Click Submit.
16.12 Import Bill Lodgement – Without DC
1. Enter MIIB in the Menu Shortcut field to display Maintain Import and Inward Billscreen is
displayed.
3. Enter Bill Type
6. Select Under Documentary Credit flag as Yes if Bill is under LC
7. Click Go.
General details ,Party details, Tenor details, Bill details ,Miscellaneous details tab is to be
mandatorily
G entered/should be visited while lodgment of bill
ene
Document tab is mandatory if register level ,document code is made mandatory
ral
Details

9. Enterbill amount in the field Bill Amt
168
10. Enter bill country in the field Bill Country

11. Other Bank’s Ref No – Enter other bank reference number.
12. Paysys id - Enter payment system mode as SWIFT(based on requirement) in the field PAYSYS ID
Party Details tab
13. Enter Drawer/Importer Details

s. Enter Name of drawer/Importer
t. Address line 1, 2 and 3 (based on requirement)
Note: Enter CIF ID if Importer’s CIF is available .System populates name and address from CIF
14. EnterCollecting/Remitting Bank Detailsif applicable

a. Enter Bank
b. Enter Branch
16. Enter other bank details based on requirement.
17. EnterCorrespondent Bank Detailsif applicable
a. Enter Bank
b. Enter Branch
Tenor Details tab
18. Tenor is applicable for usance bill .Enter Tenor details in months/days.
19. Enter transit period in the field Fixed Transit Period(DDD)
20. Enter Bill date
21. Enter On Board date of bill
Bill Details
a. Carrier code
b. Origin of good
c. Port Details
169
a. Discrepancy
c. Purpose of Bill
Document
operation/event.
Eventtab

Charges tab

Transactiontab

Outward Message Details tab
30. View the message and accept the message.

Messages for bill not under LC
MT410 – Acceptance of payment
MT416 – Non acceptance of payment
Messages for bill under LC

MT732 – Advice of discharge
MT734 – Advice of refusal

31. Click Submit.

Tracer Details – you can visit tracer tab if tracers need to be generated for payment/acceptance
reminder generation.
170
16.13 Verification of Import Bill Lodgement
1. Enter MIIB in the Menu Shortcut field to display Maintain Import and Inward Bill screen is
displayed.
4. Click Go.
General Details
5. View the details
Party Details tab
6. View the details

8. View the details
Tenor Details tab

9. View the details
Bill Details

Document

Eventtab
Charges tab
Transactiontab

Outward Message Details tab
171
MT416 – Non acceptance of payment

MT734 – Advice of refusal
18. Click Submit.
16.14 Inquire Import Bill
displayed.
4. Click Go.
General tab
5. View the details
History tab
7. Click Ok.
172
16.15 Print Bill Advice
1. Enter BADVP in the Menu Shortcut field to displayBill Advice Printing screen is displayed.
3. Enter other criteria as per requirement
4. Select the Inland/Foreign Indicator
16.16 Bill of Entry Maintenance
1. Enter INBOEM in the Menu Shortcut field to displayBill of Entry Maintenancescreen is displayed.
2. Select A -Addfrom the Function drop-down list.
3. Select Entity Type as Bills
5. Click Go.
6. Click Full BOE received as yes if customer has submitted full BOE
7. Enter BOE Details
8. Enter BOE currency and amount in the field BOE Amt.
9. Enter carrier code or select from searcher.
10. Enter BOE submission date in the field Submitted Date
11. Enter shipment document number in the field Shipment Document No.
13. Click Add to enter the details of another BOE details. Follow the steps mentioned from step 7 to
step 12.
14. Click Submit.
15. Note: A Supervisor needs to verify the record submitted.
173
16.17 Amend Import Bill
displayed.
2. Select E – Amend Billfrom the Function drop-down list.
4. Click Go.
Tenor Details
5. Change the tenor details as per the requirement.

6. Enter Extension Authority
a. RBI
b. Self
c. Authorised Dealer
General Details
7. View the details
Party Details tab
8. View the details

Eventtab

Charges tab
Transactiontab

14. Click Submit.
174
16.18 Accept Import Bill
displayed.
2. Select A - Acceptfrom the Function drop-down list.
4. Click Go.
Tenor Details
5. Enter Acceptance Date
General Details
6. View the details

Party Details tab
7. View the details

9. View the details


11. Click Submit.
175
16.19 Realisation of Import Bill
displayed.
2. Select R - Realizefrom the Function drop-down list.
4. Click Go.
Realization Details

6. Bill Realization Amt. - This defaults as bill amount .Enter bill realization amount in case of partial
realization.
7. Nostro Amt. - This defaults as bill realization amount .Enter nostro amount if there nostro
amount and realization amount is different.
8. Select Financing type value when bill realization amount is being funded by giving loan or
buyers credit.
9. Enter Financing Ref. No.,loan account or buyers credit id
Event Details

being debited from EEFC account
Charges tab
Transactiontab
MT400 – Advice of payment
MT202 – Customer transfer
176
MT756 – Advice of payment
MT202 – Customer transfer
16. Click Submit.
16.20 Dishonor Import Bill
displayed.
4. Click Go.
Recovery Details
5. View the details
General Details
5. View the details
Party Details tab

6. View the details
8. View the details
9. Click Submit.
177
16.21 Import Bill Closure
displayed.
4. Click Go.
5. View the details
6. Click Submit.
178
17. Remittance – Outstation cheque

17.1 Cheque Lodgement
1. Enter HIRM in the Menu Shortcut field to display Inward Remittance Maintenancescreen is
displayed.
3. Enter Remittance Type
6. Click Go.
General Details

8. Enterremittance amount in the field Remittance Amt
9. Enter transit period in days in the field Transit Period(DDD)
10. Enter grace period in days in the field Grace Period(DDD)
11. Enter bill country in the field Remittance Country
12. Enter purpose code or select from searcher
13. EnterCollection Bank Detailsif applicable
a. Enter Bank
b. Enter Branch
14. Select Advance against Exports as Partial or Fullif applicable otherwise let it be None
a. Bill details and Miscellaneous tabs become mandatory If advance against exports is yes
Instruments Details tab
15. Enter Instrument number

16. Enter instrument amount
17. Enter Drawee Name and Address
18. EnterDrawee Bank Detailsif applicable
a. Enter Bank
b. Enter Branch
Purchase Details
179
19. Visit this tab if cheque is being purchased while lodgment itself
20. Enter bill purchase account id of customer in the field Remitter Purchase A/c Id
21. Remittance purchase amount is populated as cheque amount which can be changed for partial
purchase
Pre-shipmentDetails
24. Click Go.
Bill Details
a. Carrier code
b. Origin of good
c. Port Details
a. Discrepancy
c. Purpose of Bill
Document
operation/event.
180
Add GR details .Multiple GR details can be added and bill can be realized for each GR .BRC no is
generated while realization of bill.
32. Select Form Code as GR

33. Enter custom number in the field Custom No.
35. Enter invoice date
36. Enter shipment number in the field Shipment No.
37. Enter shipment date
38. GR amount is populated as bill amount .This can be changed as there could be multiple GR
/invoice for the total bill amount.
39. Enter other details as per requirement
40. Click Add button if another GR needs to be added .Enter all the mandatory details as explained
Eventtab
Charges tab
Transactiontab
44. Click Submit.

17.2 Verification of Cheque Lodgement
displayed.
3. Enter remittance number in the field RemittanceId.
181
4. Click Go.
General Details
5. View the details
Party Details tab

6. View the details
8. View the details
Tenor Details tab
9. View the details
Bill Details

Document

Eventtab

Charges tab
Transactiontab

18. Click Submit.
182
17.3 Inquire Inward Remittance
displayed.
3. Enter remittance number in the field Remittance Id.
4. Click Go.
General tab
5. View the details
History tab

7. Click Ok.
17.4 Purchase Cheque
displayed.
2. Select P- Purchasefrom the Function drop-down list.
4. Click Go.
Purchase Details
5. Remittance Purchase A/c ID – Enter customer bill purchase account

6. Remittance Purchase Amt. – This is defaulted as bill amount which can be changed for partial
purchase
Pre-shipmentDetails
9. Click Go.
183
Event Details
Charges tab
General Details
14. View the general details
Transactiontab

16. Click Submit.
17.5 Realisation of Cheque
displayed.
2. Select R -Realizefrom the Function drop-down list.
3. Enter bill number in the field Remittance Id.
4. Click Go.
Instrument Details
5. View the instrument details.

6. Select the instrument which is being realized.
Only for cheque where advance against exports is set as yes and GR details are mentioned while
cheque lodgment
7. View the GR details

8. Realization Amt. – This is defaulted as invoice amount mentioned as part of GR.
Realization Details
184
10. Remittance Realization Amt. - This defaults as bill amount .Enter bill realization amount in case
of partial realization.
11. Nostro Amt. - This defaults as cheque amount .Enter nostro amount if nostro amount and
realization amount is different.
12. Enter Nostro value date
Pre-shipmentDetails
16. Click Go.
Event Details

being credited to EEFC account
Charges tab
General Details
22. View the general details
Transactiontab

24. Click Submit.
17.6 Mark Dishonor Cheque
displayed.
185

4. Click Go.
Recovery Details
5. Recovery amount is defaulted as cheque purchased amount which can be changed in case of
partial or zero recovery.
General Details
6. View the details
Eventtab
Charges tab
Transactiontab

10. Click Submit.
17.7 Recovery of Cheque due
displayed.
2. Select O-Recoveryfrom the Function drop-down list.
4. Click Go.
Recovery Details
5. Recovery amount is defaulted as amount to be recovered which can be changed in case of partial
or zero recovery.
General Details
6. View the details
186
Eventtab
Charges tab

Transactiontab

10. Click Submit.
17.8 Remittance Closure
displayed.
10. Click Go.
12. Click Submit.
187
188

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© 2017Edgeverve System Limited. Strictly private and confidential. No part of this

3. Signature Verification ............................................................................................................. 34

5. Demand Drafts ........................................................................................................................ 43

6.8 Closure of TD ........................................................................................................................... 53

7. Overdrafts and TOD ................................................................................................................ 56

8. Limits and Collaterals .............................................................................................................. 67

9.3 Loan account modification verification ................................................................................... 80

10. Commercial Loan .................................................................................................................... 92

10.8 Reversal of drawdown............................................................................................................. 99

11. Rate Maintenance ................................................................................................................. 111

12. Forward Contract .................................................................................................................. 113

12.5 Cancel forward contract ........................................................................................................ 115

13. Bank Guarantee .................................................................................................................... 118

14. Preshipment Finance ............................................................................................................ 134

14.9 Verification of disbursement ................................................................................................. 139

15. Documentary Credit .............................................................................................................. 141

16. Bills 158

16.10 Export Bill Recovery............................................................................................................... 167

17. Remittance – Outstation cheque .......................................................................................... 179

1.2 Verify CIF Retail

1. Under CIF retail Click on Entity Queue.

12. Click on Save approval form.

1.3 Modify Retail Customer Data

1.4 Create Corporate CIF

9. Select the CorporateSegment and Sub-segment from the searcher.

39. Click Save.

1.5 Verify CIF Corporate

1. Under CIF Corporate Click on Entity Queue.

1.6 Modify Corporate Customer Data

Note: A Supervisor needs to verify the record submitted for modification.

1.7 Suspend a CIF

1. Menu: CIF Retail  Operations  Suspension/Undo Suspension.

1.8 Unsuspend CIF

1. Menu: CIF Retail  Operations  Suspension/Undo Suspension.

1.9 Inquire on CIF – 360 degree view

1. Use 360-degree summary view to inquire on the customer details.

1.10 CIF into Core

9. Go to General Details tab

10. Go to Interest details tab :

 Field mentioned in adjacent table will be mandatory and default

12. If Nomination is selected as Y then go to Nomination details tab

13. Go to Related Party Details

14. Modification of Account before Verification (Maker user)

15. Verification of saving account opening (Checker user)

2.2 Account opening – Current account

9. Go to General Details tab

10. Go to Interest details tab :

11. Go to Scheme Details tab

 Field mentioned in adjacent table will be mandatory and default

12. If Nomination is selected as Y then go to Nomination details tab

13. Go to Related Party Details

14. Modification of Account before Verification (Maker user)

15. Verification of saving account opening (Checker user)

2.3 Issue Cheque book – Inventory Maintained in Finacle

2.4 Verification of Cheque Book Issue

2.5 Issue Cheque book – Inventory not Maintained in Finacle

Note: A Supervisor needs to verify the Issuance of Cheque book.

2.6 Verification of Cheque Book Issue

2.7 Stop Payment

2.8 Verify Stop Payment

5. View the details to be verified.