Finacle User Guide Idbi

FINACLE User
Guide
1
IMPORTANT FUNCTION KEYS
Physical Key What does it do?

F1 Field level help. Like in several word processors
and spreadsheet packages, F1 displays context
sensitive help messages and field level help
messages.
F2 List. This key lists the codes that may be used in a
particular field.
F3 Quit/ Back. Quits and takes the user back to where
he started when in action. It can be used when the
input is incorrect and the user wants to abandon
what he has been doing. It can also be used to go
back to the previous menu.
F4 Accept. After the user has completed the input,
this key can be used to accept the data.
F5 Background Menu
F6 Next Block
F8 Copy Record
F9 Display Signature
F10 Commit/ Save. This is very important key and this
concludes the transactions. This is the commit
and transactions get into the General Ledger
(database) when this key is used.
F11 Next field
F12 Previous Block
TAB Go to next valid field
ENTER Go to the next field
CTRL+ Next record
CTRL+ Previous record
CTRL+ Scroll left
CTRL+ Scroll right
CTRL+F1 Help maintenance
CTRL+F3 Show key map
CTRL+F4 Display error
CTRL+F8 Terminal lock
CTRL+F9 Memo pad look up
CTRL+F11 Context level help
CTRL+D Page down on a list
CTRL+E Explode. This key is particularly useful when in
Inquiry Screen. E.g., when the user is in
Customers Master Inquiry, he is shown the
previous accounts of the customers. He can move
the cursor to the account and press CTRL+E to
take a brief look at the details of the chosen
account.
CTRL+F Clear field. This key combination can be used
when the user wants to clear the field.
CTRL+J Display cookie field
2
CTRL+K Clear a set of field
CTRL+T Display LGI. The user ID, Terminal ID, SOL, BOD
date and language details are displayed.
CTRL+U Page up on a list
CTRL+X Put BOD date. This key combination populates the
default BOD date in the field.
SHIFT+F1 Function key help
SHIFT+F4 Select the current item from the list. This key
combination can be used to select a value from
the list of valid values listed for a particular field.
SHIFT+F11 Transmit
SHIFT+TAB Go to the previous field
3
COMMONLY USED MENU OPTIONS
Menu What is it used for?

Option
Customer Related
CUMM To create new customers records, modify customer record, verify
customer record and inquiry related to customers
CUMI Inquiry on customer record
CUS Inquiry on Customers based on selected criterion/ criteria
CUIR Interest Certificate for customers
CUMP Customer Master Print
CUSTBALP Balances for different accounts of a customer
Account Related
OAAC For opening SB/CA/FD/Loan/OD accounts
OAACAU To verify account opened under OAAC
ACM Inquiry about the accounts
ACLI Account ledger inquiry
ACCBAL Account balances
INTTM For changing the interest rate
CAAC Closure of accounts
CAACAU Verification of closed accounts
ACINT For running interest calculations
AITINQ Inquiry on interest in accounts
TDSCALC For calculating the TDS
ACMP Master print for accounts
AFSM For freezing/ unfreezing the accounts
PSP Printing statement of accounts
ACTODM For granting TOD
ACTODI Inquiry on TOD in accounts
SPP To input stop payments
SPPAU To authorize stop payments
INQACHQ Inquire on the basis of cheque number
Tax related
TDSIP TDS reports
TDSREP TDS reports
Inventory Maintenance
IMAUM Maintain authorized users for inventory
IMC Inventory movement between locations
IMI Inquiry on inventory
ISI Inventory split merge and inquiry for inventory held by self
ISIA Inventory split, merge and inquiry for inventory held by others
ICHB Issue of cheque books to customer accounts
ICHBAU Verification of cheque books issued to customers
CHBM Inquiries relating to cheque book maintenance
Transactions
TM Putting through transactions
TI Inquiry on specified transactions
FTI Inquiries for financial transactions
4
TEI Inquiry on exceptions in transactions
Clearing
MCLZOH Opening/ regularization/ suspension of outward clearing zone
OCTM Outward clearing transactions
ICTM Inward clearing transactions
OIQ Outward clearing transaction inquiry
OPQ Inquiry on outward clearing part tran
MARKPEND For marking pending some instruments
REVPEND For revoking MARKPEND
MICZ Opening/ suspension/ validation/ closing of inward clearing zone
Demand Drafts/ Payorders
DDPRNT Printing DD/ PO
DDLOST Noting lost DD/ PO
DDMI Mass issue of DD/PO
DDSM Status of the DD/ PO
DDD Issuing Duplicate DD/ PO
DDII Inquiry on specific DD issued
DDIC Inquiry on credits to DD account
DDIP Inquiry on specific DD paid
DDID Inquiry on debits to DD account
Password Maintenance
PAPW Protecting password
PWMNT Changing Password
OBC
BM Lodging/ verifying/ realizing OBC
BI Inquiry on OBC
Standing Instructions
SIM Setting up standing instruction
SIE Execution of standing instructions
CFLM Inquire/ delete/ carry forward standing instruction
SIETR Standing instructions execution report
SIRP Standing instructions report
SIADVC Standing instructions executed advice to the customer
5
JOB CARD - CREATING CUSTOMER
1.0 Open a Customer ID
1.1 Go to Menu option and enter option CUMM
1.2 Input details as mentioned below -

1. Function Enter ‘A’ and press F4
2. Customer Name Enter customer name
3. Short Name Enter short name
4. Type Select from F2
5. A/c Manager Select from F2
6. Status Select from F2
7. Status as on Enter date at which status code
changed
8. Group Select from F2
9. Gender Select from F1
10. Occupation Select from F2
11. Non Resident Enter Y or N
12. Constitution Select from F2
13. Staff? Enter Y or N
14. Staff No Enter employee ID
15. Minor? Enter Y or N
16. Bank code Select from F2
17. Trade Finance Customer? Enter Y or N
18. Nat ID Card no Skip
19. Date of birth Enter date of birth
20. Marital status Enter Y if married else N
21. Introducer’s details– Customer Enter introducer’s customer ID
ID
22. Name Enter introducer’s name
23. Introducer Status Select from F2
6
24. Frequency for statement Enter the frequency of the statement
1.3 Press F4
1. Communication Address Enter communication address

2. City/State/Country/Language Select from F2
Code
3. Phone/telex/Mobile/Fax No Enter No
4. Email Id Enter Email Address
5. Swift Code Enter Swift Code
6. Is Swift Code Of Bank Enter Y or N
7. Permanent Address Enter permanent address
8. City/State/Country/Language Select from F2
Code
9. Phone/telex No Enter No
10. Nat Lang name Skip
7
1.5 Press F6
1. Community/Caste/Health Select from F2

code/Customer Rating
2. As on Enter date on which customer rating
has been taken
3. Cr Card Holder? Enter Y or N
4. Card details Enter Credit card details
5. Customer preferential till date Enter date till the customer is a
preferential customer
6. Customer Tax Details -
7. TDS Exempt end date Enter the date till when the customer is
exempted from TDS
8. Tax slab Enter TDSI for individuals/TDSC for
Corporate clients/ NOTDS for NRI
customers
9. TDS customer ID Enter the customer ID of other
customer which needs to be clubbed
with this customer for TDS eligibility
purpose, leave it blank if not required
10. TDS exempt submission date Enter date on which TDS exempt
certificate is submitted
11. TDS exempt ref no SKIP
12. TDS remarks Enter remarks if any
13. PAN/GIR No Enter PAN/GIR No
8
1.7Press F6
1. Customer financial details as on Enter the date

2. Fin yr end month Enter the month
3. Currency code Enter currency code
4. Business assets Enter amount
5. Property assets Enter amount
6. Investments Enter amount
7. Net worth Enter amount
8. Deposits Enter amount
9. Limits with other Enter limits
banks/institutions
10. As on Enter date
11. Fund based Enter amount
12. Non fund based Enter amount
13. Charge turnover required Enter Y or N
14. Charge code Select from F2
15. Charge debit a/c Enter a/c no
16. Sol ID Enter SOL ID
17. Manager’s opinion Enter opinion
18. TOD’s allowed Skip
1.9 Press F6
9
1. Passport Enter passport number

2. Issue date Enter date of issue
3. Passport details Enter passport details
4. Expiry date Enter expiry date
5. Purge allowed Enter N
6. Purge remarks SKIP
(This screen is mandatory for NRI customers)
1.11 Press F6
10
Free Text Enter Free Text, any relevant particulars

that you wish to input e.g., customer’s
nick name etc
1.13 Press F6
11
The first screen will appear, type ‘E’ in ENTER OPTION and press F4. The following screen will
appear -
1.14 Type INR and press CTRL+E to explode. The following screen will
appear –
12
1. With holding tax Enter 33 for NRI customers else 0

2. Floor limit for with holding tax SKIP
3. Customer preferential %(Cr) Enter pref. Interest if required.
4. Customer Preferential %(Dr) Enter pref. Interest if required
1.16 Press F4
If customer is minor enter option M and press F4.The following screen will appear –
13
1.17 Input the details as mentioned below -
1. Date of birth Enter DOB of minor

2. Attains majority on Comes by default
3. Guardian Enter guardian name
4. Address Enter Address of guardian
5. City/State/Country Select from F2
1.18 Press F4
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If the customer is a trade finance customer, enter option T and the following screen will appear
1.19 Input the details as mentioned below -
1. Name Comes by default

2. Address Enter address
3. City Select from F2
4. Telephone/fax/telex no Enter no.
5. Code given by central bank Enter code
6. Code given by trade authority Enter code
7. Exp/Imp? Select from F1
8. Native Comes by default (can be changed)
9. Review date Enter date
10. SSI? Enter Y else N
11. 100% EOU Enter Y if 100% EOU
12. Status Select from F1
13. Party constitution Select from F2
14. Special party? Enter Y or N
15. Party type Select from F2
16. Production cycle Comes by default
1.20 Press F4
1.21 Press F10 to commit
1.22 Customer ID will be generated and displayed on the screen.
15
Note down customer ID on the Account Opening Form and send the forms
for verification.
16
2.0 Verification of Customer ID
2.1Go to Option - CUMM
1. Function Enter ‘V’

2. Customer ID Enter customer ID
Press F4.
Press F6 six times to visit all the screens and verify details with the AOF.
On returning to the first screen press F4
Go to option E to verify currency details.
For Minor customers go to option M to verify minor’s details.
For Trade finance customers go to option T to verify Trade finance details.
Press F10 to commit.
The customer record stands verified.
17
SCHEME CODES
S SCHEME DESCRIPTION GL
No. CODE CODES
SAVINGS BANK
1 RSEFC SAVINGS RETAIL EEFC 10400
2 RSGEN SAVINGS RETAIL GENERAL 10400
3 RSMCP SAVINGS RATAIL MONEYCORP 10400
4 RSNRE SAVINGS RETAIL NRE 10400
5 RSNRO SAVINGS RETAIL NRO 10400
6 RSNRS SAVINGS RETAIL NRSR 10400
7 RSQ22 SAVINGS RETAIL QA 22 10400
8 RSRFC SAVINGS RETAIL RFC 10400
9 RSSTF SAVINGS RETAIL STAFF 10400
10 CSGEN CORPORATE SAVINGS GENERAL 10450
CURRENT
ACCOUNTS
1 RCEFC CURRENT RETAIL EEFC 10200
2 RCGEN CURRENT RETAIL GENERAL 10200
3 RCNRE CURRENT RETAIL NRE 10200
4 RCNRO CURRENT RETAIL NRO 10200
5 RCNRS CURRENT RETAIL NRSR 10200
6 RCSMC CURRENT RETAIL SMART CARD 10200
7 RCSPL CURRENT RETAIL SPECIAL 10200
8 RCSTF CURRENT RETAIL STAFF 10200
9 CCEFC CURRENT CORPORATE EEFC 10300
10 CCESC CURRENT CORPORATE ESCROW 10300
11 CCNPL CURRENT CORPORATE NON PERSONAL 10300
12 CCQ22 CURRENT CORPORATE QA 22 10300
13 CCSPL CURRENT CORPORATE SPECIAL 10300
JOB CARD - SAVINGS ACCOUNT

1.0 Open a Saving Account
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1.1 Go to Menu option and enter option OAAC
1. Function ‘O’ - Comes by default

3. Currency code INR – comes by default
4. GL subhead code Skip
5. Scheme code Select from F2 .
6. Permanent a/c no Skip
7. Copy account no Skip
1.3 Press F4
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1. Acct name Comes by default

2. Acct short Name Comes by default
3. Account Open date Comes by default
4. Special charge code Skip
5. Mode of Operation E or S etc select from F2
6. Location code Skip
7. Account manager Skip
8. Cash/clg/trn Exception limit Comes by default
9. Account report code Comes by default
10. Ledger No Skip
11. Collect Charges Comes by default
12. Turnover details Comes by default
13. Relative to staff If a relative of staff put “Y”
14. Relative staff ID If above flag “Y’ enter employee ID
of the related staff
15. Remarks Additional information, if any
1.5 Press F6
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1. Passbook/Statement Enter P for Passbook & S for Statement

2. Frequency for Statement Enter -
Q=Quarterly,
1=1st date of the month,
N=if 1st is a holiday, it goes to the next
day.
3. Local calendar Enter N
4. Dispatch Mode Skip
5. Next print date Comes by default
6. Freeze code & Freeze reason Skip
7. Pay interest Comes by default
8. Collect interest Comes by default
9. Customer Preferential Interest Skip
(Cr.)
10. Account Preferential Interest Skip
(Cr.)
11. Interest Cr A/c flag Enter S
12. Interest credit account No Skip
13. Interest rate code Comes by default
14. Account Pegged Comes by default
15. Customer Preferential Interest Skip
(Dr.)
16. Account Preferential Interest Skip
(Dr.)
17. Interest debit flag Enter S
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1.7 Press F6
1. Contact Phone No Enter Tel no

2. DDA maintenance Skip
3. Interest Calc Freq Cr. Skip
4. Next interest calc date Cr. Skip
5. Interest Calc Freq Dr. Skip
6. Next interest calc date Dr. Skip
7. TDS Operative a/c Skip
8. Language Code Skip
9. Name in lang code Skip
1.9 Press F4 and enter S in the Enter Option field to go the scheme details -
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1. Cheque Allowed Comes by default

2. Availing Nomination Facility Enter ‘Y’ or ‘N’ as required
3. With holding tax borne by Enter P for NRO a/cs else skip
(Rest of the other fields is not to be entered)
1.11 Press F4
1.12 If you have entered Y in the field “Availing Nomination facility” then go to
option ‘N’. The following screen will appear –
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1. Nominee’s Name Enter nominee’s name

2. Relationship Select from F2
3. Address Enter nominee’s address
4. Reg No. Will be generated by the system
5. City Code Select from F2
6. State code Select from F2
7. Country Code Select from F2
8. Nominee Minor? Y or N
9. Guardian’s Name If nominee is minor, enter guardian’s
name
10. Address Enter Guardian’s Address
13. Country code Select from F2
1.14 Press F4
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1.15 If the saving a/c is linked to FFD scheme the go to ‘J’ option, the following
screen will appear–
1. FFD Scheme Code Select from F2 and press F4

2. Auto Renwl GL Subhead Code Enter Same as GL subhead
3. Automatic Sweep? Enter ‘Y’
4. Repayment instruction Select from F2
5. Location code Select from F2
6. Sweep-in deposit period Comes by default but can be changed
(Rest of the other fields will come by default.)
1.17 Press F4
1.18 If there are Joint Account Holders - Go to option ‘A’.
1.19 In the option ‘A’ the details of the main a/c holder will appear, for adding joint
a/c holders - Press CTRL+DOWN ARROW KEY.
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1. Relation Type Select from F1

2. Relation Code Select from F2
3. Dispatch Mode Select from F2
4. Designation Code Select from F2
5. Customer ID Enter Customer ID of the joint a/c
holder
6. Name/Address/Tel No/Fax Comes by default
No/Telex No/ Email ID
7. Start Date Enter the date from when the joint a/c
holder can operate the a/c
8. End Date Enter the date till when the joint a/c
9. Amount Enter the signing limit of the joint a/c
holder
10. Remarks Enter remarks if any
1.21 Press CTRL+DOWN ARROW keys to add more joint a/c holders
and continue as explained above.
1.22 Press F4
1.23 If the customer is a NRI, Go to option ‘R’.

The values in this screen will get defaulted from the
"CUMM" level.
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1.24 Press F4 and then F10 to commit.
The account number will be displayed.
1.25 Note down the a/c no on the Account Opening Form and send the forms for
verification.
2.0 Verification of Accounts
2.1Go to the Menu option and enter OAACAU
27

2. Temporary a/c no Enter the a/c number
2.3 Press F4 twice.
2.4 Enter option ‘S’ and press F4.
2.5 Verify details from AOF and Press F4.
2.6 If the nomination has been given then - enter option ‘N’ and press F4.
2.7 Verify the details from the AOF and Press F4.
2.8 If the customer is a NRI - Enter option ‘R’ and Press F4.
2.9 Verify the details from the AOF and press F4.
2.10 Press F10 to commit. The a/c no will be displayed.
2.11 The account stands verified.
3.0 Transactions in Savings Bank Account
3.1 Go to Menu Option and Enter TM
28

2. Type Enter C for cash/T for transfer
3. Subtype Select from F2
4. A/c No Enter SB a/c no for cash txn and the
Debit account number in case of
Transfer txn
5. Amount Enter transaction (txn) amount
6. Next Field (adjacent to the amt Enter ‘C’ for credit ‘D’ for debit.
field).
7. Narration field Enter narration
8. Inst type Enter CHQ for cheque txn else skip
9. Inst no Enter the instrument number
10. Value date Skip
12. Ref no Skip
13. Visit Screen Skip
14. Inst Date Enter instrument date
15. Print Advice Skip
16. Report code Skip
3.3 Put ‘P’ in the specify option field

3.4 Press F4 to post credit part of the transaction.
3.5 Press CTRL+DOWN ARROW key to go to the next part of the transaction.
29
3.6 In case of transfer txn in the above screen the user has to put the account no to
which the credit has to be given, put the amount and C (for credit).
3.7 In case of cash transaction the debit part need not be entered as the a/c no,
amount and D(for debit) will automatically be entered by the system.
Press F10 to commit.
3.8 Press F4 and enter ‘P’ in the specify option to post the debit part of the
transaction.
3.9 Press F10 to commit.
30
The following screen will be shown –
3.10 Note down the transaction ID on voucher

(which will be shown as in the above screen, here it is DC36)
31
4. Verification of Transaction
4.1 Go to Menu Option and Enter TM
1. Function Enter V
2. Tran Id Enter Txn ID from the voucher
4.3Press F4 and enter V in the field Specify Option.

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

3.1 Closure of Saving Bank Accounts
3.2Go to Menu Option and Enter CAAC -
32
3.3Input details as mentioned below -
1. Function Enter ‘Z’

2. A/c No Enter SB a/c no
3.4Press F4 and all the details of the SB will appear on the screen.
3.5Press F4 again to go to the next screen
33
3.6Give remarks in the above highlighted field.
3.7Press F10 to commit.
The account stands closed.
34
SCHEME CODES
S SCHEME DESCRIPTION GL
No. CODE CODES
SHORT TERM
1 RTCSS RETAIL CLIENT SHORT TERM SIMPLE INTT 10500
2 RTCSC RETAIL CLIENT SHORT TERM COMPOUND INTT 10500
3 RTCSQ RETAIL CLIENT SHORT TERM QTRLY PAYOUT 10500
4 RTCSM RETAIL CLIENT SHORT TERM MONTHLY PAYOUT 10500
5 RTBSS RETAIL BULK SHORT TERM SIMPLE INTT 10500

6 RTBSC RETAIL BULK SHORT TERM COMPOUND INTT 10500
7 RTBSQ RETAIL BULK SHORT TERM QTRLY PAYOUT 10500
8 RTSSS RETAIL STAFF SHORT TERM SIMPLE INTT 10500

9 RTSSC RETAIL STAFF SHORT TERM COMPOUND INTT 10500
10 RTSSQ RETAIL STAFF SHORT TERM QTRLY PAYOUT 10500
11 RTSSM RETAIL STAFF SHORT TERM MONTHLY PAYOUT 10500
12 CTCSS CORP CLIENT SHORT TERM SIMPLE INTT 10540

13 CTCSC CORP CLIENT SHORT TERM COMPOUND INTT 10540
14 CTCSQ CORP CLIENT SHORT TERM QTRLY PAYOUT 10540
15 CTCSM CORP CLIENT SHORT TERM MONTHLY PAYOUT 10540
16 CTBSS CORP BULK SHORT TERM SIMPLE INTT 10540

17 CTBSC CORP BULK SHORT TERM COMPOUND INTT 10540
18 CTBSQ CORP BULK SHORT TERM QTRLY PAYOUT 10540
19 CTASS CORP AGRI SHORT TERM SIMPLE INTT 10540

20 CTASC CORP AGRI SHORT TERM COMPOUND INTT 10540
21 CTASQ CORP AGRI SHORT TERM QTRLY PAYOUT 10540
22 CTASM CORP AGRI SHORT TERM MONTHLY PAYOUT 10540
23 CTGSS CORP GOVT SHORT TERM SIMPLE INTT 10540

24 CTGSC CORP GOVT SHORT TERM COMPOUND INTT 10540
25 CTGSQ CORP GOVT SHORT TERM QTRLY PAYOUT 10540
26 CTGSM CORP GOVT SHORT TERM MONTHLY PAYOUT 10540
27 TTBSS TREASURY BULK SHORT TERM SIMPLE INTT 10580

28 TTBSC TREASURY BULK SHORT TERM COMPOUND INTT 10580
MEDIUM TERM
29 RTCMC RETAIL CLIENT MEDIUM TERM COMPOUND INTT 10600
30 RTCMQ RETAIL CLIENT MEDIUM TERM QTRLY PAYOUT 10600
31 RTCMM RETAIL CLIENT MEDIUM TERM MONTHLY PAYOUT 10600
35
32 RTBMC RETAIL BULK MEDIUM TERM COMPOUND INTT 10600
33 RTBMQ RETAIL BULK MEDIUM TERM QUARTELY PAYOUT 10600
34 RTSMC RETAIL STAFF MEDIUM TERM COMPOUND INTT 10600

35 RTSMQ RETAIL STAFF MEDIUM TERM QTRLY PAYOUT 10600
36 RTSMM RETAIL STAFF MEDIUM TERM MONTHLY PAYOUT 10600
37 CTCMC CORP CLIENT MEDIUM TERM COMPOUND INTT 10640

38 CTCMQ CORP CLIENT MEDIUM TERM QTRLY PAYOUT 10640
39 CTCMM CORP CLIENT MEDIUM TERM MONTHLY PAYOUT 10640
40 CTBMC CORP BULK MEDIUM TERM COMPOUND INTT 10640

41 CTBMQ CORP BULK MEDIUM TERM QUARTELY PAYOUT 10640
42 CTAMC CORP AGRI MEDIUM TERM COMPOUND INTT 10640

43 CTAMQ CORP AGRI MEDIUM TERM QTRLY PAYOUT 10640
44 CTAMM CORP AGRI MEDIUM TERM MONTHLY PAYOUT 10640
45 CTGMC CORP GOVT MEDIUM TERM COMPOUND INTT 10640

46 CTGMQ CORP GOVT MEDIUM TERM QTRLY PAYOUT 10640
47 CTGMM CORP GOVT MEDIUM TERM MONTHLY PAYOUT 10640
48 TTBMC TREASURY BULK MEDIUM TERM COMPOUND INTT 10680
LONG TERM
49 RTCLC RETAIL CLIENT LONG TERM COMPOUND INTT 10700
50 RTCLQ RETAIL CLIENT LONG TERM QTRLY PAYOUT 10700
51 RTCLM RETAIL CLIENT LONG TERM MONTHLY PAYOUT 10700
52 RTBLC RETAIL BULK LONG TERM COMPOUND INTT 10700

53 RTBLQ RETAIL BULK LONG TERM QUARTELY PAYOUT 10700
54 RTSLC RETAIL STAFF LONG TERM COMPOUND INTT 10700

55 RTSLQ RETAIL STAFF LONG TERM QTRLY PAYOUT 10700
56 RTSLM RETAIL STAFF LONG TERM MONTHLY PAYOUT 10700
57 CTCLC CORP CLIENT LONG TERM COMPOUND INTT 10740

58 CTCLQ CORP CLIENT LONG TERM QTRLY PAYOUT 10740
59 CTCLM CORP CLIENT LONG TERM MONTHLY PAYOUT 10740
60 CTBLC CORP BULK LONG TERM COMPOUND INTT 10740

61 CTBLQ CORP BULK LONG TERM QUARTELY PAYOUT 10740
62 CTALC CORP AGRI LONG TERM COMPOUND INTT 10740

63 CTALQ CORP AGRI LONG TERM QTRLY PAYOUT 10740
64 CTALM CORP AGRI LONG TERM MONTHLY PAYOUT 10740
36
65 CTGLC CORP GOVT LONG TERM COMPOUND INTT 10740
66 CTGLQ CORP GOVT LONG TERM QTRLY PAYOUT 10740
67 CTGLM CORP GOVT LONG TERM MONTHLY PAYOUT 10740
68 TTBLC TREASURY BULK MEDIUM TERM COMPOUND INTT 10680
69 RTMIB RETAIL MIBID 10810

70 CTMIB CORP MIBID 10820
71 TTMIB TREASURY MIBID 10830
72 RTCDI RETAIL CDs 10910

73 CTCDI CORP CDs 10920
74 TTCDI TREASURY CDs 10930
NRI DEPOSITS
75 RTNOS RETAIL NRO SIMPLE INTT 11110
76 RTNOC RETAIL NRO COMPUND INTT 11110
77 RTNOQ RETAIL NRO QUARTERLY PAYOUT 11110
78 RTNOM RETAIL NRO MONTHLY PAYOUT 11110
79 RTNSS RETAIL NRSR SIMPLE INTT 11210

80 RTNSC RETAIL NRSR COMPUND INTT 11210
81 RTNSQ RETAIL NRSR QUARTERLY PAYOUT 11210
82 RTNSM RETAIL NRSR MONTHLY PAYOUT 11210
83 RTNRC RETAIL NRE COMPUND INTT 11310

84 RTNRQ RETAIL NRE QUARTERLY PAYOUT 11310
85 RTNRM RETAIL NRE MONTHLY PAYOUT 11310
86 RTNNC RETAIL NRNR COMPUND INTT 11410

87 RTNNQ RETAIL NRNR QUARTERLY PAYOUT 11410
88 RTNNM RETAIL NRNR MONTHLY PAYOUT 11410
89 RTFCC RETAIL FCNR COMPUND INTT 11510
90 RTRFC RETAIL RFC COMPUND INTT 11710
91 CTNOS CORP NRO SIMPLE INTT 11120

92 CTNOC CORP NRO COMPUND INTT 11120
93 CTNOQ CORP NRO QUARTERLY PAYOUT 11120
94 CTNOM CORP NRO MONTHLY PAYOUT 11120
95 CTNSS CORP NRSR SIMPLE INTT 11220

96 CTNSC CORP NRSR COMPUND INTT 11220
97 CTNSQ CORP NRSR QUARTERLY PAYOUT 11220
98 CTNSM CORP NRSR MONTHLY PAYOUT 11220
37
99 CTNRC CORP NRE COMPUND INTT 11320
100 CTNRQ CORP NRE QUARTERLY PAYOUT 11320
101 CTNRM CORP NRE MONTHLY PAYOUT 11320
102 CTNNC CORP NRNR COMPUND INTT 11420

103 CTNNQ CORP NRNR QUARTERLY PAYOUT 11420
104 CTNNM CORP NRNR MONTHLY PAYOUT 11420
105 CTFCC CORP FCNR COMPUND INTT 11520
106 CTRFC CORP RFC COMPUND INTT 11720
INTERBANK
107 BTISS INTERBANK SHORT TERM SIMPLE INTT 12110
108 BTISC INTERBANK SHORT TERM COMPOUND INTT 12110
109 BTISQ INTERBANK SHORT TERM QUARTLY PAYOUT 12110
110 BTIMC INTERBANK MEDIUM TERM COMPOUND INTT 12120

111 BTIMQ INTERBANK MEDIUM TERM QUARTLY PAYOUT 12120
112 BTILC INTERBANK LONG TERM COMPOUND INTT 12130

113 BTILQ INTERBANK LONG TERM QUARTLY PAYOUT 12130
114 BTICD INTERBANK CDs 12140
INSTITUTIONS
115 ITTSS INSTITUTION SHORT TERM SIMPLE INTEREST 12610
116 ITTSC INSTITUTION SHORT TERM COMPOUND INTEREST 12610
117 ITTSQ INSTITUTION SHORT TERM QUARTERLY PAYOUT 12610
118 ITTSM INSTITUTION SHORT TERM MONTHLY PAYOUT 12610
119 ITTMC INSTITUTION MEDIUM TERM COMPOUND INTEREST 12630

120 ITTMQ INSTITUTION MEDIUM TERM QUARTERLY PAYOUT 12630
121 ITTMM INSTITUTION MEDIUM TERM MONTHLY PAYOUT 12630
122 ITTLC INSTITUTION LONG TERM COMPOUND INTEREST 12650

123 ITTLQ INSTITUTION LONG TERM QUARTERLY PAYOUT 12650
124 ITTLM INSTITUTION LONG TERM MONTHLY PAYOUT 12650
125 ITTCD INSTITUTION CDs 12670
FLOATING RATE
126 RTFLA RETAIL FLOATING RATE 46D-90D 10850
127 CTFLA CORP FLOATING RATE 46D-90D 10860
128 TTFLA TREASURY FLOATING RATE 46D-90D 10870
129 RTFLB RETAIL FLOATING RATE 91D-12M 10850
38
130 CTFLB CORP FLOATING RATE 91D-12M 10860
131 TTFLB TREASURY FLOATING RATE 91D-12M 10870
FFD SCHEMES
SHORT TERM
132 RFCSS RETAIL CLIENT FFD SHORT TERM SIMPLE INTT 10500
133 RFCSC RETAIL CLIENT FFD SHORT TERM COMPOUND INTT 10500
134 RFSSS RETAIL STAFF FFD SHORT TERM SIMPLE INTT 10500
135 RFSSC RETAIL STAFF FFD SHORT TERM COMPOUND INTT 10500
136 CFCSS CORP CLIENT FFD SHORT TERM SIMPLE INTT 10540
137 CFCSC CORP CLIENT FFD SHORT TERM COMPOUND INTT 10540
MEDIUM TERM
138 RFCMC RETAIL CLIENT FFD MEDIUM TERM COMPOUND INTT 10600
139 RFSMC RETAIL STAFF FFD MEDIUM TERM COMPOUND INTT 10600
140 CFCMC CORP CLIENT FFD MEDIUM TERM COMPOUND INTT 10640
LONG TERM
141 RFCLC RETAIL CLIENT FFD LONG TERM COMPOUND INTT 10700
142 RFSLC RETAIL STAFF FFD LONG TERM COMPOUND INTT 10700
143 CFCLC CORP CLIENT FFD LONG TERM COMPOUND INTT 10740
NRI DEPOSITS
144 RFNOS RETAIL NRO FFD SIMPLE INTT 11110
145 RFNOC RETAIL NRO FFD COMPUND INTT 11110
146 RFNSS RETAIL NRSR FFD SIMPLE INTT 11210

147 RFNSC RETAIL NRSR FFD COMPUND INTT 11210
148 CFNOS CORP NRO FFD SIMPLE INTT 11120

149 CFNOC CORP NRO FFD COMPUND INTT 11120
150 CFNSS CORP NRSR FFD SIMPLE INTT 11220

151 CFNSC CORP NRSR FFD COMPUND INTT 11220
152 CFBSS CORP SFD BULK SIMPLE INT 10540

153 CFBSC CORP SFD BULK QTLY COMP 10540
154 CFGSS CORP SFD GOVT SIMPLE INT 10540
155 CFGSC CORP SFD GOVT QTLY COMP 10540
156 TTBSQ TRY STD BULK QTLY PAYOUT 10580
157 CFBMC CORP MFD BULK QTLY COMP 10640
158 CFGMC CORP MFD GOVT QTLY COMP 10640
159 CTBMM CORP MTD BULK MTLY PAYOUT 10640
160 RTBMM RET MTD BULK MTLY PAYOUT 10600
161 TTBMQ TRY MTD BULK QTLY PAYOUT 10680
39
162 CFBLC CORP LFD BULK QTLY COMP 10740
163 CFGLC CORP LFD GOVT QTLY COMP 10740
164 CTBLM CORP LTD BULK MTLY PAYOUT 10740
165 TTBLM TRY LTD BULK MTLY PAYOUT 10680
166 TTBLQ TRY LTD BULK QTLY PAYOUT 10680
167 RFNNC RET NRNR FFD SIMPLRE INT 11410
168 BTMHC INTERBANK MED TERM HALF YRLY COMP 12120
169 BTMHP INTERBANK MED TERM HALF YRLY PAYOUT 12120
170 BTLHC INTERBANK LONG TERM HALF YRLY COMP 12130
171 BTLHP INTERBANK LONG TERM HALF YRLY PAYOUT 12130
172 IFTSS INST SFD SIMPLE INT 12610
173 IFTSC INST SFD QTLY COMP INT 12610
174 IFTMC INST MFD QTLY COMP INT 12630
175 IFTLC INST LFD QTLY COMP INT 12650
176 RTBSM RET STD BULK MTLY PAYOUT 10500
BANK MASTER SCHEMES
177 RZCSS CLIENT SIMPLE INT-RETAIL 10500

178 RZCSC CLIENT QTLY COMP-RETAIL 10500
179 RZCSQ CLIENT QTLY PAYOUT-RETAIL 10500
180 CZBSS BULK SI- CORP 10540

181 CZBSC BULK QTLY COMP-CORP 10540
182 CZBSQ BULK QTLY PAYOUT-CORP 10540
183 CZCSS CORP SIMPLE INT 10540

184 CZCSC CORP QTLY COMP 10540
185 CZCSQ CORP QTLY PAYOUT 10540
186 BZISS INTERBANK SIMPLE INT 12110

187 BZISC INTERBANK QTLY COMP 12110
188 BZISQ INTERBANK QTLY PAYOUT 12110
189 RZSSS STAFF SIMPLE INT 10500

190 RZSSC STAFF QTLY COMP 10500
191 RZSSQ STAFF QTLY PAYOUT 10500
192 CZGSS GOVT SIMPLE INT 10540

193 CZGSC GOVT COMP INT 10540
194 CZGSQ GOVT QTLY PAYOUT 10540
MEDIUM TERM
195 RZCMC CLIENT QTLY COMP 10600
196 RZCMQ CLIENT QTLY PAYOUT 10600
197 CZBMC BULK QTLY COMP 10640
40
198 CZBMQ BULK QTLY PAYOUT 10640
199 CZCMC CORP QTLY COMP 10640

200 CZCMQ CORP QTLY PAYOUT 10640
201 BZIMC INTERBANK QTLY COMP 12120

202 BZIMQ INTERBANK QTLY PAYOUT 12120
203 RZSMC STAFF QTLY COMP 10600

204 RZSMQ STAFF QTLY PAYOUT 10600
205 CZAMC AGRI QTLY COMP 10640

206 CZAMQ AGRI QTLY PAYOUT 10640
207 CZGMC GOVT QTLY COMP 10640

208 CZGMQ GOVT QTLY PAYOUT 10640
LONG TERM
209 RZCLC CLIENT QTLY COMP 10700
210 RZCLQ CLIENT QTLY PAYOUT 10700
211 CZBLC BULK QTLY COMP 10740

212 CZBLQ BULK QTLY PAYOUT 10740
213 CZCLC CORP QTLY COMP 10740

214 CZCLQ CORP QTLY PAYOUT 10740
215 BZILC INTERBANK QTLY COMP 12130

216 BZILQ INTERBANK QTLY PAYOUT 12130
217 RZSLC STAFF QTLY COMP 10700

218 RZSLQ STAFF QTLY PAYOUT 10700
219 CZALC AGRI QTLY COMP 10740

220 CZALQ AGRI QTLY PAYOUT 10740
221 CZGLC GOVT QTLY COMP 10740

222 CZGLQ GOVT QTLY PAYOUT 10740
NRI DEPOSITS
223 RZNOS NRO SIMPLE INT-PERSONAL 11110
224 RZNOC NRO QTLY INT-PERSONAL 11110
225 RZNOQ NRO QTLY OUTFLOW-PERSONAL 11110
226 CZNOS NRO SIMPLE INT-OTHERS 11120
227 CZNOC NRO QTLY INT-OTHERS 11120
228 CZNOQ NRO QTLY OUTFLOW-OTHERS 11120
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229 RZNSS NRSR SIMPLE INT-PERSONAL 11210
230 RZNSC NRSR QTLY INT-PERSONAL 11210
231 RZNSQ NRSR QTLY OUTFLOW-PERSONAL 11210
232 CZNSS NRSR SIMPLE INT-OTHERS 11220
233 CZNSC NRSR QTLY INT-OTHERS 11220
234 CZNSQ NRSR QTLY OUTFLOW-OTHERS 11220
235 RZNNC NRNR QTLY INT-PERSONAL 11410

236 RZNNQ NRNR QTLY OUTFLOW-PERSONAL 11410
237 CZNNC NRNR QTLY INT-OTHERS 11420
238 CZNNQ NRNR QTLY OUTFLOW-OTHERS 11420
239 RZNRC NRE QTLY INT-PERSONAL 11310

240 RZNRQ NRE QTLY OUTFLOW-PERSONAL 11310
241 CZNRC NRE QTLY INT-OTHERS 11320
242 CZNRQ NRE QTLY OUTFLOW-OTHERS 11320
243 RZFCC FCNR –PERSONAL 11510

244 CZFCC FCNR –OTHERS 11520
245 RZRFC RFC –PERSONAL 11710

246 CZRFC RFC –OTHERS 11520
247 RZMIB RETAIL MIBID 10810

248 CZMIB CORP MIBID 10820
249 TZMIB TRY MIBID 10830
250 RZCDI RETAIL CD 10910

251 CZCDI CORP CD 10920
252 TZCDI TRY CD 10930
253 RZEEF RET EEFC A/C 11610

254 CZEEF CORP EEFC A/C 11620
255 RVCMC GOLDEN YEARS MED TERM PLAN 10600

256 RVCLC GOLDEN YEARS LONG TERM PLAN 10700
257 RZFLA RETAIL FLOATING RATE 46D-90D 10850

258 CZFLA CORP FLOATING RATE 46D-90D 10860
259 TZFLA TREASURY FLOATING RATE 46D-90D 10870
260 RZFLB RETAIL FLOATING RATE 91D-12M 10850
261 CZFLB CORP FLOATING RATE 91D-12M 10860
262 TZFLB TREASURY FLOATING RATE 91D-12M 10870
263 BZMHC INTERBANK MED TERM HALF YRLY COMP-BM 12120

264 BZMHP INTERBANK MED TERM HALF YRLY PAYOUT-BM 12120
265 BZLHC INTERBANK LONG TERM HALF YRLY COMP-BM 12130
266 BZLHP INTERBANK LONG TERM HALF YRLY PAYOUT-BM 12130
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267 RRCSC RETAIL RD CLIENT SHORT TERM QTLY COMPOUNDING 10500
268 RRCMC RETAIL RD CLIENT MED TERM QTLY COMPOUNDING 10600
269 RRCLC RETAIL RD CLIENT LONG TERM QTLY COMPOUNDING 10700
270 RRSSC RETAIL RD CLIENT SHORT TERM QTLY COMPOUNDING 10500

271 RRSMC RETAIL RD CLIENT MED TERM QTLY COMPOUNDING 10600
272 RRSLC RETAIL RD CLIENT LONG TERM QTLY COMPOUNDING 10700
273 RFNRC RET FFD NRE QTLY COMP 11310
Job Card - Term Deposits

1.0 Open a Fixed Deposit Account
1.1Go to Menu Option
1.2Enter OAAC
The following screen will appear -
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1. Function ‘O’ - Comes by default
3. Currency code INR – comes by default
4. GL subhead code Skip
5. Scheme code Select from F2 .
6. Permanent a/c no Skip
7. Copy account no Skip
1.4Press F4
1.5Enter relevant details -
1. Function Enter ‘O’
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1.6 Press F4
1.7Enter relevant details -
1. Acct name Comes by default

2. Acct short Name Comes by default
3. Account Open date Comes by default
4. Special charge code Skip
5. Mode of Operation E or S etc select from F2
6. Location code Skip
7. Account manager Skip
8. Cash/clg/trf Exception limit Comes by default
9. Account report code Comes by default
10. Ledger No Skip
11. Collect Charges Comes by default
12. Turnover details Comes by default
13. Relative to staff If relative of a staff member enter
“Y”
14. Relative staff ID If above flag “Y’ enter employee ID
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of the related staff
15. Remarks Enter additional information if
required
1.8Press F6
1. Passbook/Statement Type ‘R’ for FD receipts

2. Local calendar Skip
3. Dispatch Mode Skip
4. Next print date Skip
5. Freeze code & Freeze reason Skip
6. Pay interest Comes by default
7. Collect interest Comes by default
8. Customer Pref Intt (Cr.) Will default from Customer records.
(Normally this field will be skipped)
9. Account Pref Intt (Cr.) If a preferential rate has to be given to
this account over and above the
customer preferential the additional
rate has to be entered here, this adds
up to the normal interest rate and the
46
customer preferential rate. (Normally
this field will be skipped)
10. Intt credit account No Skip for qtrly compounding and enter
a/c no for qtrly or monthly payout
scheme.
11. Intt rate code Comes by default
12. Account Peg Comes by default
13. Customer Pref Intt (Dr.) Skip
14. Account Pref Intt (Dr.) Skip
15. Intt debit flag Skip
1.10 Press F6
1. Contact Phone No Enter Tel no

2. DDA maintenance Skip
3. Intt Calc Freq Cr. Skip
4. Next intt calc date Cr. Skip
5. Intt Calc Freq Dr. Skip
6. Next intt calc date Dr. Skip
7. TDS Operative a/c If the customer wishes, enter operative
a/c (SB or CA) from where TDS is to be
deducted
8. Language Code Select from F2
9. Name in lang code Select from F2
47
1.12 Press F4
1.13 Enter S in the Enter Option field to go the Scheme Details –
1. Deposit Type Comes by default

2. Dep/Instl Amt Enter deposit amount
3. Deposit Period Enter deposit period
4. Value date Enter value date
5. Maturity date Skip
6. Spl Catgr Indicator Select from F2
7. Availing Nomination Facility Yes or No
8. Print Nominee Name Yes or No
9. Loan A/c No Skip
10. Repayment A/c No Skip
11. Maturity Value Skip
12. Print Receipt Comes by default
13. Tax category Comes by default
14. With holding tax borne by For NRO fill ‘P’ otherwise skip
15. Safe Custody Comes by default
48
1.15 Press F6
1. Auto Closure Skip

2. Auto renewal Defaults to ‘U’ (unlimited), can be
changed to ‘N’ (none) or ‘L’ limited
3. Max renewal allowed If entered ‘L’ above, enter no. of times
renewal allowed otherwise skip.
4. Renewal period allowed Comes by default, can be changed
5. Auto renewal GL subhead code Comes by default
6. Auto renewal scheme code Comes by default
7. Auto renewal Intt table code Comes by default
8. Renewal currency Skip
9. Renewal rate code Skip
10. Renewal rate Skip
11. Intt on TDS required Comes by default
12. Agent/Employee Ind. & Code Skip
13. Regularise lien amt on maturity Enter ‘Y’ if loan against FD to be
adjusted on maturity
49
1.17 Press F4 and then type ‘F’ in the menu option to view the flow
details
1.18 Press CTRL+E to explode the flow -
50
1.19 Press F4 twice
1.20 If you have entered “Y” in the field “Availing Nomination

facility” then go to option ‘N’. The following screen will appear –
51
1.21 Enter relevant details -
14. Nominee’s Name Enter nominee’s name

15. Relationship Select from F2
16. Address Enter nominee’s address
17. Reg No. Comes by default
20. Country Code Select from F2
21. Nominee Minor? Y or N
22. Guardian’s Name If nominee is minor, enter guardian’s
name
23. Address Enter Guardian’s Address
26. Country code Select from F2
1.22 Press F4
1.23 In case there are Joint Account Holders go to option ‘A’. In the
option ‘A’ the details of the main a/c holder will appear, for adding joint
a/c holders press CTRL+DOWN ARROW KEY.
52
1.24 Enter relevant details -
1. Relation Type Select from F1

2. Relation Code Select from F2
3. Dispatch Mode Select from F2
4. Designation Code Select from F2
5. Customer ID Enter Customer ID of the joint a/c
holder
6. Name/Address/Tel No/Fax No/Tlx Comes by default
No/ Email ID
7. Start Date Enter the date from when the joint a/c
8. End Date Enter the date till when the joint a/c
9. Amount Enter the signing limit of the joint a/c
holder
To add more joint a/c holders press CTRL+DOWN ARROW keys and continue as
explained above.
1.25 Press F4
1.26 If the customer is a NRI, option ‘R’ has to be visited. The values in
this screen will get defaulted from the ‘CUMM’ level.
53
The above screen for NRI will appear. This screen has just to be visited. Nothing can
be entered in this screen.
1.27 Press F4 and then F10 to commit.
The account number along with the maturity amt will be displayed. Note down the
a/c no on the Account Opening Form and proceed for verification.
54
2.0 Verification of Accounts
2.1Go to Menu Option.

2.2Enter OAACAU – the following screen will appear –

2. Temporary a/c no Enter a/c no.
2.4Press F4 twice.
2.5Go to option ‘S’. Press F4 and verify from AOF and press F4.
2.6Go to option ‘F’. Press F4 and verify flows and press F4 twice.
2.7If the nomination has been given then go to option ‘N’. Press F4 and
verify from AOF and press F4.
2.8If the customer is a NRI go to option ‘R’. Press F4 and verify from the
AOF and press F4.
2.9Press F10 to commit.
The a/c no and the maturity amount will be displayed.
The A/c stands verified.
3.0 TRANSACTIONS IN FIXED DEPOSITS ACCOUNTS
3.1Go to Menu Option and Enter TM
55

2. Type Enter C for cash/T for transfer
3. Subtype Select from F2
4. A/c No Enter the FD a/c no for cash and Debit
account number for Transfer.
5. Amount Enter the FD amount
6. Next Field (adjacent to the amt Enter ‘C’ for credit or ‘D’ for debit
field.
7. Narration field Enter narration
8. Inst type Skip
9. Inst no Skip
10. Value date Skip
12. Ref no Skip
13. Visit Screen Skip
14. Inst Date Skip
15. Print Advice Skip
16. Report code Skip
3.3Press F4
56
3.4Press F4 twice and the system will take you to the previous screen
3.5Put ‘P’ in the specify option field and press F4 to post credit/ debit part of
the transaction.
3.6Press CTRL+DOWN ARROW key to go to the next part of the transaction.
57
3.7In case of transfer transactions in the above screen the user has to put
the account no to which the amount will be credited i.e., the new FD
account number. [In case of cash transaction the debit part need not be
entered as the a/c no, amount and D (for debit) will automatically be
entered by the system. Press F10 to commit.]
3.8Press F4 and enter ‘P’ in the specify option to post the debit part of the
transaction and press F10 to commit.
3.9The following screen will be shown –
58
3.10 Note down the transaction ID (which will be shown as in the above
screen, here it is DC5) on the voucher.
4.0 Verification of Transaction
4.1Go to Menu Option and Enter TM
4.2Input details as mentioned below –
59
1. Function V for verification
2. Tran Id Enter the Txn ID from the voucher
4.3Press F4 and enter V in the field Specify Option.

4.4Press F4 to verify the first part of the txn.
4.5Press CTRL+DOWN ARROW key to go the next part of the txn and enter ‘V’
in the Specify Option.
4.6Press F4 and F10 to commit the verification.
The transaction stands verified.
60
5.0 Closure of Fixed Deposits Accounts
5.1Go to Menu Option and Enter CAAC -
5.2Input details as mentioned below –
1. Function Enter ‘Z’

2. A/c No Enter the a/c no.
5.3Press F4 and all the details of the FD will appear on the screen. Press F4 again to go to the next
screen
61
5.4Only two fields have to be entered -
1. Closure Remarks Enter narration

2. Penal Int for full period Enter ‘Y’
5.5Press F4 and F10 to commit the closure of the account.
62
5.6The next step after closing the account is to calculate the TDS if any. Enter
Option - TDSCALC.
The following screen will appear –
1. Report to Manager
2. Start A/c No Enter the a/c no.
3. TDS on Paid/Accrued intt Enter P
4. Adhoc run? Enter N
Rest of the other fields need not be filled.
5.8Press F4
63
1. Fore/Background? Enter ‘F’

2. Print Required? Enter Y if print reqd immediately, else N
5.10 Press F10
6.0 Deposit Receipt Printing
6.1Go to Menu Option and enter DRP
64
6.2Enter FD a/c no in both fields as indicated above and Press F4 and the
following screen will appear -
6.3 Press F4
65
6.4Press F4 to get the next screen below -
66
6.5Press F4 and printing will begin
6.6After printing is complete ‘Y’ will default in PRINT OK? Field

Check the printed COD
If found OK Press F10 to commit
Else Enter ‘P’(Print again) in PRINT OK? Field Press F10. Press F4
The Printing will begin again
After printing is complete ‘Y’ will default in PRINT OK? Field
Check the printed COD
If found OK Press F10 to commit
The FD stands printed
67
JOB CARD FOR INVENTORY MAINTENANCE
The Inventory Module is used for storage, transfer of Security Items and release of
security items to Front Office personnel like Cheque Books, Demand Drafts,
Traveller’s cheques, Pay orders for normal Banking. The following are the various
menu options to be used for Inventory Maintenance.
1. IMAUM-Inventory Movement Authorisation

The following screen is used for feeding information:
The Authorised users at Corporate Office for initial transfer of Inventory from External agency
to Corporate location are created under this menu option.
1.1 In menu option input IMAUM. The below mentioned screen will pop up.
1.2 Select function A to add two authorised User Id’s for transfer of Inventory from
Corporate Office to Branch Double Lock. The custodian and the supervisory official
will put their respective user ID’s.
68
2. The menu option for transfer of Inventory from one location to another (from
Corporate office to branch and from custodial to employees) is done through
Option IMC. The screen is as under:
Step 1) ENTRY: Function A for transfer of Inventory from ZZ (External) to DL (double Lock).
Example Corporate Office will transfer Inventory from ZZ to DL01 i.e Indore branch initially.
Step 2) Branch on receipt of Inventory will transfer from location ZZ to DL and subsequently
from DL to Employees based on everyday requirements.
The steps involved for shifting keys in this option is as under:

F2 help available for first two columns, leave 3 rd column blank and enter the quantity from ***
to *** press( ctrl+ down),f4 to enter and f10 to commit.
This entry of inventory movement can be made by the lowest work class( to whom the
sationery is issued for business purpose) who has to note down the inventory Tran no
generated by the system on pressing F10.
69
3. VERIFICATION:
The verification will be done by the authorised users defined in IMAUM by inputting the
Inventory tran no. and pressing F4 for first screen and F6 for
next screen. The respective authorisers can authorise from their respective ids . The screen
is as under:
70
4. The Inquiry, Split and Merger can be made under option ISI-Inventory Inquiry,
Split and Merger
For splitting inventory recd into your ID (Employee to whom stationery is issued from double
lock) you just press S in function field and input Inventory class/Type to be split, inquiry
available here by pressing F2. In case you are selecting from available list then press Control
up/Down arrow to move cursor between records and select the relevant record by pressing
shift F4.The following screen is displayed:
71
a) Give the Start serial no of the inventory in Start Serial no.
b) Give Items or Units required in one Lot in Items per unit Field.
c) Give no of units in which total inventory is to be divided, in No of units field.
d) press f10 to commit and you will get the message records split successful.
72
5. For merger of inventory you have to use the menu option ISI. The screen is as
under:
Input the location code, inventory class/type, give the start serial no you want to
merge and the quantity you want the system to merge. Then press F4 to get the
details of merger, then press F10.
One can even Inquire/Split/Merge other Employee’s Inventory in Menu option ISIA.
*while defining Inventory class ,the user has to define following inventory items.
1)CHQ – Cheque
2)DD - Demand Draft(for payment)
3)DDS –Demand drafts (for issue)
The location class given below is predefined.

1. ZZ – External to System
2. EM - Employee
The summary of menu options is as under:

Menu option Description
IIM INVENTORY ITEM MAINTENANCE
ILCM INVENTORY LOCATION CODE MAINTENANCE
73
IMAUM INVENTORY MOVEMENT AUTH. MAINTENANCE
IMC INVENTORY MOVEMENT BETWEEN LOCATIONS
IMI INVENTORY MOVEMENT BETWEEN LOCATIONS
IMR INVENTORY MOVEMENT REPORT
ISIA INVENTORY INQUIRY, SPLIT AND MERGE (ALL)
ISI INVENTORY INQUIRY, SPLIT AND MERGE (EM)
ISR# INVENTORY STATUS REPORT AT EMP LOCATION
ISRA$ INVENTORY STATUS REPORT (ALL)
# This report is to be generated from time to time for physical verification at employee
locations by supervisors.
$ This report is required to be generated from time to time for physical verification at branch
level/corporate office level.
CHEQUE BOOK ISSUE TO CUSTOMER ACCOUNTS
1. Go to the menu option ICHB. The following screen will appear.
74
2. Input details as mentioned below:
1. Function Enter I and press F4

2. A/c Number Enter the account number and press F4
3. Cheque Type Enter the type of cheques
4. Issue date Enter the date of issue dd/mm/yy press
F4
3. The following screen will appear
75
4. Scroll down to the appropriate cheque book by using CTLL + 
5. Select the cheque book by using SHIFT + F4
6. Press F 10
7. If any other cheque book is to be issued enter the account number and repeat the
above steps till all are finished
76
VERIFICATION OF CHEQUE BOOK ISSUED
1. Go to the menu option ICHB and press <enter> The following screen will appear.
2. Input details as mentioned below:
1. Function Enter V and press F4

2. A/c Number Enter the account number and press F4
77
3. The details of the cheque books issued to this account will be shown. Verify the details.
Press F4 twice and then Press F10.
4. If there are any other cheque book issued to be verified enter the account number and
repeat the above steps.
5. The cheque book issue stands verified.
78
STOP PAYMENT OF CHEQUES
1. Go to the menu option SPP. The following screen will appear.
2. Input the following details:
1. Function Enter S
2. A/C No Enter the account number for which the
cheque is to be stopped. The time date
etc comes automatically
3. Payee’s Name Enter the name of the payee
4. Cheque date Enter the date of the stopped cheque
5. Cheque Amt Enter the amount of cheque if known
6. Reason code Enter the reason code by selecting from
F2 list
3. Enter “C” in the option field and press F4. The following screen will appear
79
4. The charges default to the normal level. You may change the charges if required.
5. Press F4 and F10.
6. Stop payment is registered.
80
VERIFICATION OF STOP PAYMENT OF CHEQUES
1. Go to the menu option SPPAU. The following screen will appear.
2. Input the following details:
1. Function Enter V
2. A/C No Enter the account number for which the
cheque has been stopped. The time
date etc comes automatically
3. Payee’s Name Verify the name of the payee
4. Cheque date Verify the date of the stopped cheque
5. Cheque Amt Verify the amount of cheque if known
6. Reason code Verify the reason code
3. Enter “C” in the option field and press F4. The following screen will appear.
81
4. Verify the charges. Press F4 and F10. If you are collecting some charges the following
screen will appear.
82
5. Note down the Tran Id on the voucher.
6. The Stop Payment instruction stands verified.
83
JOB CARD FOR STANDING INSTRUCTIONS
1. Creation of Standing Instructions menu is SIM. The screen is as under:

Screen no 1.1
1. Function A For Adding Standing instructions

2. SI Class Input ‘C’ for Customer induced or ‘B’ for
Bank Induced
3. Cust Id Input Customer ID
4. Execution details for SI frequency Valid frequency are ‘D’ Daily, ‘W’ weekly,
‘F’ Fortnightly, ‘M’ Monthly, ‘Q’ Quarterly,
‘H’ Half-yearly, ‘Y’ Yearly.
5. Execution time Valid values are ‘B’ Beginning of Day,
‘D’Anytime during Day, ‘A’ after business
hours and ‘E’ Every time.
6. Next execution date Specify when next SI is to be executed.
7. Autopost Input Y
8. End date Input when SI is to be ended.
9. Suspended upto Input the date upto which the SI is to be
suspended upto.
10. Charge details Predefined for SI acceptance it is
‘SIACPE’. For failure and execution no
charges are levied.
11. Charge rate Applicable only if in foreign currency list

available for selection.
12. Dr account Input account no from which charges to
be collected.
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13. A/c condition (optional) account Input target account no for applying
no. target conditions SI will be executed only
if target conditions are met.
14. A/c balance Input balance for verifying execution of SI
15. Balance indicator ‘D’ debit balance or ‘C’ credit balance.
16. Excess/short Ind ‘E’ excess or ‘S’ short.
17. Failure processing delete part tran Input Y for deleting.
if not posted.
18. Carry forward if yes max times Input valid values
19. Remarks Input free text.
20. Closure remarks Input free text.
21. Statistics System generated.
2. Press F4 to go to next page which is as under screen (no1.2):
Screen 1.2
1. Option field Valid value is E for enter.
2. Amount indicator Valid values are ‘F’ fixed, ‘C’ for contra
balancing, ‘V’ variable and ‘T’ for table
code.
3. Part tran type ‘D’ debit and ‘C’ for Credit.
4. Create Memo pad entry Valid values are ‘Y’ for yes and ‘N’ for no
5. Currency Input from list available.
6. Fixed amount condition Enter fixed amount if indicator is ‘F’ in
amount indicator.
7. Variable amount condition for Input account no , account balance,
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Account no., account balance, amount in multiples of , excess/short and
amount multiple, in excess/short what percentage of excess/short to be
and percentage transferred.
8. Table code condition amount table List available for table code.
code
3. Enter the relevant details and press F4 the following screen (no 1.3) is displayed:
1. Account no Input account no

2. Amount indicator Populated from earlier field where
indicated as ‘F’ for Fixed indicator.
3. Percentage Input percentage as required
4. Amount Input amount
5. Round off indicator Valid values are H highest, L lowest and N
for nearest.
6. Value of round off Enter amount to which rounded to.
7. Rate code List available
8. Report code List available
9. Intent code List available
10. Reference number Enter valid reference number.
11. Reference Reference number if any.
12. Remarks Remarks if any
13. Coll charge Valid values are Y and N fro deduction of
charges on account of DD/MT/TT
remittances.
Screen no 1.3
4. Press F4 and you will come to screen no 1.2 then press F4 to come to second part tran
screen which is as under
86
Screen (no1.4):
Screen 1.4
5. Then start inputting values as under. The only difference would be to enter part tran
type if Debit in first screen then input Credit in the above screen and vice versa. Other
values are as per the screen 1.2.
STANDING INSTRUCTION EXECUTION

1. Normally the execution will take place as a part OF SOD/ EOD. However, in case of need
the following option can be used. The screen for Standing Instruction execution is as
under: Menu option is SIE.
87
Screen no. 1.5
CARRY FORWARD OF STANDING INSTRUCTIONS
1. The menu option for Carried Forward List Maintenance is CFLM the screen is:
88
Screen 1.6
The reports can be generated for which the menu options are as under:
SIETR Standing Inst executed today report
SIRP Standing Instructions Register Printing
SIADVC Print SI advice to customer
SICL Print SI covering letter to customer
JOBCARD FOR CLEARING ACTIVTIES
OUTWARD CLEARING :
89
Outward Clearing activities have been divided into Zones. The following zones have been
created in the system, which will be common throughout the Bank. Each branch will have to
choose and open on a daily basis the clearing zone, which is applicable to them.
Clg Zone Description

Code
HV High Value
IB InterBank
MICR Micr
Dividend Warrant (specific only to Mumbai City,
DW can also be used by other branches if they have
two types of MICR clearing in a day for e.g. in
Pune.)
NMICR1 Non MICR Clg 1 (Manual Clearing)
Non MICR Clg 2 (Manual Clearing). To be used by
NMICR2 a branch in case of more than one manual clearing
per day for e.g in Pune)
For e.g. Nariman Pt., Mumbai will open HV, IB, MICR and DW zones daily to process
their Outward Clg., whereas a branch like Surat, which has only one Manual clg will
open only NMICR1 zone, on a daily basis.
In Finacle there are only three commonly used menus to process Outward
cheques :
A) OCTM (functions : A , V)
B) MCLZOH (functions : O , S , R , G , T )
C) MARKPEND
Menu Option Menu Option

OCTM A (Add Chq) MCLZOH O (Open zone)
OCTM V (Verify Chq) MCLZOH S (Suspend zone)
R (Release to
MCLZOH Shadow)
MARKPEND (Withhold Clearance)
G (Regularise
MCLZOH Shadow)
MCLZOH T (Trf. of Lodgement)
Now let us see what each of these options does and how we lodge cheques in Outward
Clearing using Finacle :
Step 1 : OPEN A ZONE : MCLZOH function O
Every morning after SOD (BOD under Finacle) has been run, the user (supervisor) in each
branch has to open, respective clearing zones. This is compulsory else no cheques can be
lodged in clearing. The screen is as below :
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Scr:
Function : O (open)  press F4
Zone : Date / Zone code (want a list of zone codes use F2)  press F4
( use <Shift > + <up or down arrow> to move between the codes and press <Shift> + F4 to
select the relevant zone code).
 press F10 to commit.
Your Zone is now open and you can start lodging cheques into it. Using the same step you can
open other zones applicable to you branch for lodgement of cheques.
* Note : Please be very careful on the date field. The date to be entered is the date
when you are actually going to receive the credit for that particular clearing from
the RBI / SBI and not the date when you are doing the lodgement of cheques (except
in case of Clg’s where credit is received from RBI on the same date as that of lodgement).
e.g. cheques are lodged into the system on 01/02/01. Zone date will be in case of ….
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High Value : credit received from the RBI on the same day itself hence zone date will be
01/02/01.
MICR : Cheques are lodged on Day 1, RBI gives credit on day 2, and hence the zone date
applicable will be 02/02/01.
* Care : The value date of the credit into the client’s a/c is dependent on the zone date.
* Outward Clearing Zones can be opened for the days greater than or equal to the SOD date
and not earlier to SOD date.
* Do not enter any other fields as values have been defaulted to your branch.
Step 2 : Add / Lodge Cheques into the opened zone : OCTM function A
The next step is to lodge cheques into the opened zone. The user (officer) can exercise the
above option to lodge cheques.
Function : A (add)  press F4

Zone : Date / Zone Code  press F4
The full. screen will appear :
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Account Number: Input the 15 digit a/c no.  press <Enter>
Amount : Input total amount of the pay in slip  press F6 to go to the next block
Now start entering details of individual cheques as per the sequence of :
Instrument no.  Input Chq no. press <Enter>
MICR code  Input 9 digit micr code  press <Enter>
Cheque Tran code  Input tran code (10, 11 etc)  press <Enter>
Cheque Amount  press Ctrl + <Down Arrow>
* Note : The first cheque amount gets defaulted to the pay in slip amount which is helpful in
case of a single cheque in the pay slip, If there are more than one cheques in the pay in slip,
change the amount in the first instance to the actual cheque amount and keep on entering as
per the sequence for as many number of cheques in the pay in slip.
*  press Ctrl + <Down Arrow > after entering particulars of each cheque, else the system
does not validate the details entered.
Once all the cheques in the pay in slip are entered  press F10 to commit . Take care to
note the set number (system generated scroll no.) on the pay in slip.
If there is a mismatch between the pay in slip total and the amount of the cheques entered
system will pop a message saying so. Identify the wrong entry and make the necessary
change. Please note after flashing the mismatch warning the system will still allow you to save
the transaction if you press F10 to commit. This part transaction created can be modified later.
* Caution : The system generates a set number in the beginning as soon as you enter the
OCTM option . If you do not enter any cheques and quit, that set number is lost . A new set
number is generated the next time you enter the OCTM option. Hence exercise care not to
waste set numbers by entering OCTM option and quitting it without entering any details.
Step 3 :Verify cheques lodged : OCTM (V)
This option is to be used for verifying the cheques set number wise. The user (supervisor) has
to verify the cheques lodged into a particular zone. The following screen is displayed :
Scr:
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(to toggle between the blocks use F6 (next) and F12 (previous). The control (small black box
on the left of the screen) moves between the pay in slip details and cheque details.
There is one more way of verifying cheques in batch verification mode using the OCTV option.
Here the user has to indicate the zone code / date , start set and end set no.. The user will not
be shown any details of the instruments lodged and it will be a blind verification for the zone
(not advised).
Step 4 : Suspend a Zone : MCLZOH function S
Once all the instruments are lodged and verified the zone has to be suspended for further
processing of the zone. Suspension is done to ensure that no more changes are done to the
already entered instruments Once the option has been exercised no further lodging of cheques
under this zone is allowed. (screen is the same as MCLZOH – O above)
Revoke Suspension of Zone : MCLZOH functionV .
It may so happen that a few more cheques may have to be lodged after the zone has been
suspended. In order to do so the suspension of the zone has to be revoked with the above
option. Then lodge the cheques using OCTM option A (as explained earlier).
Step 5 : Release to Shadow Balance : MCLZOH function R
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This option is to be exercised on the day you receive credit from RBI. This option
generates accounting entries wherein the system debits your outward clearing a/c and credits
the individual clients a/c automatically. Please note these credits are posted as unclear
balance and cannot be withdrawn without a System Exception entry being generated. (screen
is the same as MCLZOH – O )
Step 6 : Mark Pending Cheques : MARKPEND
This option is very important and is used when returns of cheques lodged in clearing are
received. The system withholds transfer from unclear balance to clear balance of
those cheques, which are selected under MARPEND. Such withholding can be done on
the basis of various criteria like Zone code or Instrument no. or Bank Code or Amount etc. The
system throws up all relevant entries based on the input criteria . The user has to choose the
relevant entry and MARKPEND the item by  pressing Shift + F4 (after which a small *
appears on the selected item) and then  press F10 to commit the selection.
Scr :
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* Tips: Using this feature clear balance credits of cheques pertaining to all branches of a
particular Bank or some specific branch of a Bank, can be withheld . Here input criteria will be
the concerned Bank or branch . The system will display all cheques lodged under that Bank /
branch. Select the relevant items by pressing  Shift + F4 and finally  press F10 to
commit your selection.
REVPEND : Revoke Pending
Instruments which are marked pending, can be revoked on normalisation (of strike etc.), by
using this menu option. The screen displayed when the option is used is the same as above
and the user can selects records based on various criteria explained above. Select the relevant
items by pressing  Shift + F4 and finally  press F10 to commit your selection
Scr : (same as above)
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Step 7 : Regularise the Shadow Balance : MCLZOH function G
This option is to be exercised only on the day the returns are known . The system
converts the unclear balance to clear balance and the party can withdraw the funds. No
accounting entries are involved here and the system just converts unclear entries into clear
balance. The items selected under MARPEND are ignored for regularisation. (screen is the
same as MCLZOH – O )
OTHER FEATURES :
Transfer of Lodgements : MCLZOH (T) or TROFSETS.
It may so happen that due to a sudden strike or non participation by Banks, the clearing
operations would have been suspended at the clearing house. But till then branches may have
lodged cheques in a zone. It would be impractical to delete the cheques and re-lodge them all
over again. Hence by using the above option, all instruments which are lodged for that days
clearing under a particular zone can be moved to the next days clearing zone.
UNLKZ – Unlock Zone.
During various operations of clearing if the user gets a fatal error for any reason whatsoever,
the zone may get locked and the user may start getting messages like “ Zone locked, try
later”. In such a situation the user will have to use the above option to unlock the zone and
continue further operations.
INQUIRIES :
The following inquiries are available as a part of outward clearing. Various criteria selections
have been provided for the user to have a lot of flexibility in selection of records.
Inquiry into the zone opened for a given day : MCLZOH function I .
This option gives details on the status of a zone opened, what amount is under shadow
balance etc, whether regularized or not.
97
98
Inquiry on the basis of set numbers : IOCLS.
This option gives the following details :
99
Inquiry / Components of the shadow balance of an account : ACSBIO.
This option gives the following details
100
OPQ – Inquiry on the basis of Part Transactions .
This option gives the following details:
101
OIQ : Instrumentwise Inquiry
This option gives the foll. details :
102
REPORTS:
PCLSO : Print Clearing Schedule :
103
PWO: Print Clearing Waste.
104
VALDRPT : O/W Val Date Report
105
Summary : Outward Clearing
The following flow chart will explain the steps, which are necessary to process a zone opened
under Outward clearing.
Open Zone
MCLZOH [O]
Lodge Cheques
OCTM [A]
Verify Cheques
OCTM [V]
Suspend Zone
MCLZOH [S]
Release to
Shadow Bal.
MCLZOH [R]
Mark Pending
MARKPEND
Regularise
Shadow Bal.
MCLZOH [G]
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INWARD CLEARING :
Inward Clearing activities have been divided into Zones. The following zones have been
created in the system, which will be common throughout the Bank. Each branch will have to
choose and open on a daily basis the clearing zones, applicable to them .

Code
HV High Value
IB InterBank
MICR Micr
Dividend Warrant (specific only to Mumbai City,
DW can also be used by other branches if they have
two types of MICR clearing in a day for e.g. in
Pune.)
NMICR Non Micr Clg (Manual Clearing)
For e.g. Nariman Pt., Mumbai will open HV, IB, MICR and DW zones daily to process
their Inward Clg., whereas a branch like Surat which has only one Manual clg will
open NMICR zone only on a daily basis.
In Finacle there are only two commonly used menus to process Inward cheques :
A) ICTM (functions : A , V)
B) MICZ (functions : O , S ,V , T , P , Z )
Menu Option Menu Option

ICTM A (Add Chq) MICZ O (Open zone)
ICTM V (Verify Chq) MICZ S (Suspend zone)
MICZ V (Validation Run)
MICZ T (Validation Report)
MICZ P (Posting Run)
MICZ Z (Zone Close)
Now let us see what each of these options do and how we lodge cheques in Inward Clearing :
Step 1 : Open A Zone : MICZ function O
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Opening a zone is the first step in the Inward Clearing process. The user (preferably
supervisor) has to necessarily open the zone to be able to enter instruments into that zone.
Scr:
Function : O (open)  press F4 ; Sol Id :Your Br. Code appears by default
Zone : Zone code / Date  press F4 ( * date to be input is the posting date)
Point the mouse on and enter only the foll. fields (general details) as the rest of the values are
defaulted to your branch.
BA(R) Num / Date : Input 1 /  Press CTRL + X (i.e current date)  press <Enter>
Total Inst BAR : Total no. of cheques in Inward  press <Enter>
Total Amt BAR : Total amount of Inward in rupees.  press F4
The cursor shifts to the option box where you have the foll. choices :
108
G- General details. ( the current screen)
S - Statistics ( gives break up of postings into various a/c’s, useful after Posting Run)
* For opening of the zone only G option needs to be filled (as explained above)
Your zone is now open and you can start lodging cheques into it.
Step 2 : Add / Enter Cheques in the Zone: ICTM function A
After opening the zone, the user (Officer) can start entry of instruments after exercising the
above function. The screen is as follows
Scr
Function : A (Add) Sol Id : defaulted to your branch
Zone : Enter the required zone code / defaulted to SOD date  press F4
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The foll. screen appears :
Scr.
Account no. : Enter 15 digit a/c no.  press <enter>
Instrument no. : Enter the cheque no.  press <enter>
Amount : Enter amount of the cheque  press <enter>
Pay to : Enter payees name
 press F9 to view the signatures of the account.
110
If you would like to enter the other optional fields like Inst date ( systems validates chq being
stale / post dated if entered), bank code etc. press F11 after inputting payees name.
If you do not want to enter the optional fields  press F4 directly after entering
Payee details.
The record gets added in the system if there are no exceptions else the system will flash a
message showing exceptions like chq not issued to the a/c or insufficient balance.
If you would like to return a particular cheque for whatever reason , enter the
cheque as usual but modify the foll. fields to :
Carve = N
Reject = I  press F6 . (The system will prompt you to enter certain details which
have been explained later under Inward Rejects)
You will also notice that the following fields get populated by default. :
Tran code : Chq tran code is picked up by default depending upon the account type i.e
Saving’s 10, Current 11 and so on.
Inst Type : Chq is defaulted
Carve : Defaulted to Y. Under carving the system keeps on apportioning the

amount of the cheque as and when it is entered and reduces the available balance
to that extent from the clients account.
Reject : Defaulted to N ( i.e. the chq is not to be returned ).
* Note :
After all cheques have been entered or if you want to quit the data entry and perform other
tasks you can either  press F3 or F10.
Do not fear even if you press F3 by mistake at any stage all your postings will not get auto
reversed as in Branch Power. Each entry is saved in the system as soon as you press F4.
If there are any further cheques to be entered after you have quit, then use the
ICTM (A) option and continue with the data entry of the additional cheques.
If you wish to modify any particulars of previously entered cheques use the ICTM
(M) option.
111
In case of Demand Drafts and Pay orders additional details screen will have to be
visited wherein details like Issuing Bank/ Branch etc. will have to be input.
Tips :
In case the account no. is repetitive (same) over a number of postings and the chq amount
may or may not be the same then instead of pressing F4 after entering the payees name you
should  press F8 . You will notice that the previous entry gets updated in the system and the
same line gets repeated again. You may now change only the instrument no. or the payees
name as applicable.
Step 3 : Verification of entered instruments : ICTM function V.
The user (supervisor) has to exercise the above option to verify the records entered, where he
will be taken to the following screen .
Scr.
Based on the selected criteria the system will display the concerned records.
If all records are to be displayed  press F4.
The system would have selected all records for verification by default (* mark in the
beginning).
112
In case you would not want to verify a particular record take the cursor to that record by 
pressing Shift + <Down Arrow> and then deselect it by pressing Shift F4.
All * marked records will be verified on  pressing F10.
Tips :
The ICTM option I (inquiry) and V (verify) are very powerful search tools . While verifying /
inquiring you can narrow down the selected records based on the criteria entered in the above
screen. For e.g you would like to view all cheques debited / carved in inward clearing for a
particular account only, then use the Account no. criteria. If you would like to view / verify
records with exceptions only use the Select All – X (option), without exceptions – E (option).
Only the relevant records will be displayed/selected.
Step 4 : Suspension of Zone : MICZ function S
After all records are entered and verified, the user (supervisor) has to suspend the zone by
using the above option. This step is mandatory and is done to prevent any unauthorized
modification/additions into the zone and to enable further steps to take place as explained
below.
Scr is same as MICZ – O (open) zone
Revoke suspension : MICZ function R
In case further cheques have to be added or existing details are to be modified the zone
suspension can be revoked by using the above option.
Step 5 : Validation Run : MICZ function V
This is process to be exercised by the user (supervisor) before initiating the process of posting
the cheques into the account. This process generates a report which indicates all the possible
errors/ exceptions the system is going to meet when trying to create transactions and post the
same into the various accounts .The user has to carefully go through the report and take
appropriate actions to overcome the errors/exceptions without which the transactions cannot
be posted. Such exception transactions will be in entered status only and the user has to
initiate the transaction maintenance screen and post it separately. The validation run can be
run any number of times. The report file is available in the background menu option (F5).
Scr 1 is same as MICZ – O (open) zone
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Scr 2 is shown below.
Input the relevant criteria . In the template file input iclg_val.mrt.
Step 6 : Posting of cheques into the accounts for the zone : MICZ function P
When all the above processes are over, the user can initiate posting of the zone. Please note
this process creates transactions into the account i.e it debits the client and credits system
interim inward clearing account (dummy suspense a/c) . Posting of transactions depends on
114
the availability of funds, exceptions encountered etc. This process also generates a report of
the transactions posted, failed etc. The file will be available in the background menu (F5). Post
run also can be initiated any number of times. After initiating the post run, again the zone can
be reopened ( revoke suspension MICZ - R ) for modification, verification etc. and again
reinitiate post run of the zone. Scr is same as MICZ – O (open) zone
Step 7 : Closure of zone : MICZ function Z
This is the last step in the inward clearing process. The user (supervisor) has to close the zone
to ensure that no further operation is initiated on that zone. By exercising this option the
system reverses the amount lying in the Interim System Inward clearing a/c by debiting the
system interim inward clg. a/c and crediting the branch Inward clearing account ( BBB 36200
000001 ).
* Note :
UNIZ: Unlock Zone.
If for any reason during the inward clearing process, the system throws up a fatal error, the
process gets terminated abnormally and the zone gets locked. In such a case the user will not
be able to carry out any further processes. The above option will have to be used to unlock the
zone.
Short Claim : (Cheques received unlisted).
In the event of cheques being received in excess of the RBI control figure (i.e total debits to
the client is more than the bar amount under finacle) then :
Modify the Tot Inst BAR and Tot Amt Bar in MICZ – M option to include the totals of unlisted
cheques .
In the ICTM option A screen debit the cheques and after inputting the payees name  press
F11 and then F6 and go to the next screen
Modify the fields to listed = N and received as Y (defaulted).
(as shown in the screen below)
115
Scr
press F6 twice to come back to the original screen

press F10 to commit.
Verify the instrument ICTM [V].
116
Suspend the zone MICZ [S]
Run the validation MICZ [V]
Run the posting MICZ [P]
Close the zone MICZ [Z]
The system will automatically debit the client and park the amount in your Clearing Payable
account (BBB 36200 000005).
Excess Claim : ( Cheques received less than RBI listing )
In the event of cheques being received less than the RBI control figure (Bar amount is greater
than the total debits to clients) then on closure of the zone the system will automatically debit
your clearing receivable (BBB 36200 000004) with the shortfall.
CHEQUE RETURNS
Inward Rejects : (Return of cheques issued by your customer)
Cheques which are received in Inward Clearing and are to be returned due to reasons like post
dated , signature differs etc. are termed as Inward Rejects.
In the ICTM option A when you are inputting details of the cheque (as explained earlier)
modify the field Carve = N and the field Reject = I (i.e Inward Reject)  press F4.
The system automatically goes to the next screen for you to input the reason code (press F2
for the various return codes ) press F4 .
The next screen flashes showing the charges recovered for the return  press F4 and 
press F6 to input the presenting Bank / branch details press F4 and  F10 to commit.
The various screens are displayed below :
117
118
OUTWARD REJECTS : (cheques deposited by our clients returned)
Cheques which have been lodged in Outward Clearing (i.e. cheques deposited by your clients)
if returned by the concerned Banks, is called an Outward Reject. These returns are processed
in the Inward Clearing Module for which separate Return Zones have been created as shown
below :

Code
HVRTN High Value Returns
FRRTN Area Return (specific only to Mumbai City for
Fort Area)
MIRTN Micr Return
NMRTN Non MICR Clg. Return (Manual Clearing Return)
To process the Outward Rejects first MARKPEND the concerned cheques (refer
markpend option explained earlier).
Open the concerned return zone by using the option MICZ [O].
Input only the chq no. and Reject field as O (i.e outward reject)  press F6 .
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The system will automatically pick up the relevant cheque based on the information input and
flash all the details as regards the drawee Bank / branch /client a/c no. etc. press F6
Input the return reason code (of the other Bank)  press F6 to return to the main screen and
Run all the processes applicable under the Inward Clearing module.
The system automatically debits the client and credits the branch Outward Reject account
(BBB 36100 000002 ) and also deducts the necessary charges.
The following Inquiries and Reports are available for Inward Clearing and gives the
foll. details:
.
Menu : DTCS
Tran code Total no.of Instmnts Total Amount
Menu : PICS
Tran Code Chq No. Amount
Menu : PICW
Print Display / Media List (applicable only for seeing details in floppy upload mode)
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Flow Chart : Inward Clearing
The following flow chart will explain the steps, which are necessary to process a zone opened
under Inward clearing.
Open Zone
MICZ [O]
Lodge Cheques
ICTM [A]
Verify Cheques
ICTM [V]
Suspend Zone
MICZ [S]
Validation Run
MICZ [V]
Post Run
MICZ [P]
Close Zone
MICZ [Z]
Accounts maintained at the Branches for entire Clearing Activities :
For Outward Clg.
Outward Clearing a/c BBB36100000001

Outward Reject a/c BBB36100000002
For Inward Clg.
Inward Clearing a/c BBB36200000001

System Intermediary a/c BBB36200000003
Inward Reject a/c BBB36200000002
Clearing Receivable a/c BBB36200000004
Clearing Payable a/c BBB36200000005
Chq. Return Charges a/c BBB46800000004
Entries in Outward Clg.
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Manual entry to be passed at Controlling Br on receipt of Clearing control fig. from
RBI/SBI .
RBI / SBI a/c Dr

O/w Clg a/c Controlling Branch. Cr.
O/w Clg a/c at Branch 1 Cr. (BBB 36100000001)
O/w Clg a/c at Branch 2 Cr
On releasing to shadow balance the system passes automatically entries at

Controlling Br. as well as individual branches :
O/w Clg a/c of individual Branches Dr

Customers a/c Cr
For Outward Rejects ( i.e. Returns of Cheques lodged by our Clients in O/w
Clearing):
Entry passed only at Controlling Br. on Debit for Returns from RBI/SBI .:
O/w reject a/c Cont. Br Dr.

O/w reject a/c at individual Branches Dr.
RBI a/c Cr.
Entry passed at the Controlling branch and Individual branches :
Customer a/c Dr.

O/w Reject a/c Cr.
Entries in Inward Clg
Manual entry to be passed at Controlling Br on receipt of Clearing control fig. from

RBI/SBI .
Inward Clg Controlling. Br. a/c Dr BBB 36200000001

Inward Clg. a/c Branch 1 Dr BBB 36200000001
Inward Clg. a/c Branch 2 Dr BBB36200000001
RBI a/c Cr (RBI a/c no.)
System entry passed through Read Media Upload at the Controlling Br./ else if RMI is not
available at the branch then the following manual entry.
Debiting of Customers :
Individual Clients a/c Dr.

I/w Clg a/c Cr.
For Inward Reject (Cheque Returned, issued by our Clients) :
Inward Reject a/c Dr BBB 36200000002

I/w Clg. a/c Cr. BBB 36200000001
122
On Receiving credit for Inward Reject (returns of chq issued by our client) from RBI/SBI, the
entry will be passed only at the Controlling Br to wipe out outstanding figures (on a/c of above
entry) in Inward Reject a/c’s of Individual Branches.
RBI / SBI a/c Dr.

I/w Reject a/c Controlling. Br. Cr.
I/w Reject a/c at Branch 1 Cr.
I/w Reject a/c at Branch 2 Cr.
For Excess Instruments received in clearing (Short Claim by RBI/SBI)
Customer a/c Dr
Clg. Payable Cr. BBB 36200000005
(When Claim is recd from concerned Bank subsequently)
Clg Payable a/c Dr. BBB 36200000005

Pay Order a/c Cr.
For Instruments received less than stated in RBI/SBI listing (i.e excess claimed by
RBI/SBI )
(If cheque does not pertain to our Bank/ or if client cannot be traced on basis of the cheque
number)
Clg Receivable a/c Dr. BBB 36200000005

I/w Clg a/c Cr.
(If cheque no. is traced to our client)
Customer a/c Dr
I/w Clg a/c Cr.
JOB CARD FOR OUTWARD CHEQUES FOR COLLECTION

(OCC/OBC)
General :
Under Finacle Outward Cheques for collection are recorded into Registers, which have been
opened in the system. The following Register has been set up for cheques received by a
branch for collection.
IOCC – Inland Outward Cheques for Collection,
123
The IOCC Register has been further divided into two Sub Registers
i) CHQOU : Cheques sent to centers where we have a branch.

ii) CHQOT : Cheques sent to centers where we do not have a branch.
(i.e. sent directly to the Drawee Bank).
Finacle has only one menu i.e BM through which all transactions for sending cheques
(lodging), realization , charges etc. are processed. By exercising the various functions (listed
below) under BM we will see how cheques are lodged.
Function Description
Code
G Lodging a cheque into the Register.
R Realisation of cheque proceeds.
N Cheque dishonored (Returned).
D Delete cheque lodged (before verification).
M Modify lodgement details.
C Copy details from another lodgement.
V Verify the lodgements.
Z Close OCC record on dishonor
I Inquire on a verified bill.
Step 1: Lodge the Cheque into the system (i.e. by maker)
1.1 Enter BM in the menu box
On inputting BM in the menu box the following screen will appear.
Screen BM
124
(Pl. note this is a common menu for bill lodgement also in Trade Finance. You may find a lot of
fields, which are irrelevant. It is advised that you fill in only those fields, which are shown :)
1.2 Follow the steps as mentioned below.
Field Instructions
Function Code G (lodge)  press F4

Reg Type Input IOCC  press F4
Reg Sub Type Input either CHQOU or CHQOT depending on where the cheque
is being sent (i.e to our branch -CHQOU or the drawee bank-
CHQOT)  press F4
Bill Amount Cheque Amount  press <Enter>
125
Date : Date of the instrument  press <Enter>
Lodger A/c Enter the 15 digit a/c no. of the client  press F11
Drawee Address (point the mouse on the third box and enter the name of the
Bank  press <Enter>
Input the address on the cheque.  press <enter>
Collecting Br Enter your Bank code (i.e IBKL) <press enter>
Enter your branch code <press F4> (address will be populated
by default).
Lodger Ref : Enter the cheque no.  press F4. (If you do not input this field
you will not be able to do any inquiry on this criteria) and then
 press F10 to commit the record.
Your cheque has now been lodged.
Note the system generated bill number on the covering

letter and the voucher.
1.3
a. Caution: As in Outward Clg. entering the lodgement option generates
the Bill Id number at the start, when entering into the option
itself and quitting it without any valid inputs will result in a
waste of one number.
b. Tips:
Whenever inputting the Bill Id you need not key in the entire
no. Just key in IOCCNNNN. The complete no. will get populated.
If you have a number of cheques to be lodged for a particular

Bank/branch use the C (copy) option instead of G (lodge).The
system will display the previous lodgement details under a
particular subregister. You need to change only chq amount and
cheque no.
Step 2 : Verification of lodgement (i.e. by supervisor).
The next step is to verify the cheques lodged. Enter BM in the menu box. The screen BM shown
earlier will be displayed.
2.1
Perform the following steps
Function code V (verify)  press F4

Bill Id Input the OCC no.  press F4.
(If you do not know the number press F2, all pending
lodgements will be displayed)
Option M (General details).View the lodgement details press F4

twice and then F10 to verify the record.
126
The Lodgement is now verified
The system simultaneously passes the following Contra entries :
Cust Cont. Chq/TC (INR) – Dr (BBB 93600 000001)
Bk Cont. Chq/TC (INR) sent on coll – Cr (BBB 98600 000001)
Step 3 : Realisation of OCC (i.e by maker).
The next stage is at the time of realization of proceeds. Enter BM in the menu box . The screen
is the same as shown earlier.
3.1
Perform the below mentioned steps
Function code R (realization)  press F4.

Bill Id Enter the OCC no.  press F4.
127
The following screen will be displayed :
Screen 1.0
128
Screen 1.1
3.2
For Realisation of proceeds there can be various possibilities, which require different treatment
i.e :
A) Cheques collected by our Bank’s Network
1) Credit of proceeds to FTS a/c .
B) Cheque sent directly to the Drawee Bank.
Let us now examine them one by one :
A) Where the Chq has been collected by our Branch Network
Collecting branch credits proceeds to FTS a/c of the other branch :
Follow the below mentioned steps
129
Tran type/ Sub type  press F4 ( you will come to screen 1.1 with cursor in the
option box ).
Use Ctrl + <up> or <down> arrow to view the various

charges automatically computed by the system. You will notice
that commission and postage has been automatically
recovered. In addition FTS a/c is also debited and parties a/c
has been credited.
In case you require to modify the charges recovered, Input M

on the relevant part tran and  press F4. You can go ahead
and modify the charges.
If you want to waive a particular charge use the D (delete)

option in the option box on that part tran you want deleted and
 press F4.
A listing of the various entries being passed by the system is

available on using the L option.
Option Finally after you have viewed the various details input A
(accept) and press F4 in the option box to accept (you may
press F2 for the list of various options) which will take you
back to the main screen  press F10 to commit the record.
B) Where the Chq has been sent directly to the Drawee Bank and realization proceeds are
received by way of a Demand Draft.
The demand draft received should be lodged in clearing to the credit of Funds transfer
suspense a/c. After credit has been received into FTS follow the below mentioned steps:
Tran type/ Sub type  press F4 ( you will come to screen 1.1 with cursor in the
option box ).
Other Bank charges Input the Collecting Bank’s charges. press F4 (you will come
to screen 1.1)
Use Ctrl + <up> or <down> arrow to view the various

charges automatically computed by the system. You will notice
that commission and postage has been automatically
recovered.
In addition FTS a/c is also debited and the parties a/c has been
credited.
In case you require to modify the charges recovered, Input M

on the relevant part tran and  press F4 . You can go ahead
and modify the charges.
If you want to waive a particular charge use the D (delete)

option in the option box on that part tran you want deleted and
130
 press F4.You will notice that the Ref indicator for that part
tran becomes N
A listing of the various entries being passed by the system is

available on using the L option.
Option Finally after you have viewed the various details input A
(accept) and press F4 in the option box to accept (you can
press F2 for the list of options) which will take you back to the
main screen  press F10 to commit the record.
Step 4 : Verification of Realisation (by supervisor)
The next step is to verify the cheque realisation. Use the option BM in the menu box. The
screen BM shown earlier will be displayed.
Function code V (verify)  press F4

Bill Id Enter the OCC no.  press F4.
(If you do not know the number press F2. All pending
verifications will be displayed)
Option R (Realisation details). View the realisation details press F4
twice .
In the option box use Ctrl + <up> and <down> arrows to

view the details of transactions created. Note down the SDC no
for posting it later.
Input A in the option box to accept and press F4 to come to

the main screen and press F10 to commit the record.
The Realisation is now verified.
The charge (commission and postage) entries are in entered

status only. Hence use the TM option to post them after
inputting the relevant SDC number. Posting/verification of the
entry happens together.
The system simultaneously passes the following Contra entries :
BK Cont. Chq/TC (INR) sent on coll – Dr (BBB 98600 000001)
Cust Cont. Chq/TC (INR) – Cr (BBB 93600 000001)
The OCC status for that particular record is now Closed.
131
OCC Cheques Returned
The following steps are to be followed in case of return of OBC cheques :
Input BM in the menu box.
Function code N (dishonor)  press F4

Bill Id Input the OCC no.  press F4.
Option N (dishonor)  press F4 (screen 1.0) will appear.
 press F4 again (screen 1.1) will appear. You will notice that
the system will recover only * postage charges.
Input A in the option box  press F4 and then  press F10 to
commit the record.
* Return charges / commission may be debited separately by

accessing the TM menu
The above record has to be verified by the supervisor (verification of realization as shown
earlier). The only difference is that instead of viewing realization details, the user has to view
dishonor details (N).
This OCC record has to be force closed by using the Z option in BM menu. On entering the
screen  press F10 to commit the closure.
The above step has also to be verified (as shown earlier). After inputting the V option press
F10 to complete verifying closure of the bill.
The system automatically passes the reversal contra entries.
132
Inquiry Options :
For any inquiries on OCC status use BI (Bills Inquiry) in the menu option box. The following
screen will appear :
This option is a very powerful search tool and will display records based on the criteria input by
the user.
Printing of Covering Schedule :
Finacle has the option of printing the covering letter, which is sent to the Collecting Bank/
Drawee Bank. Use the BCSI option for the covering letter sent to our Bank/ Branch and BCSO
for sending letters to the drawee bank. Based on the input criteria the system will print, the
covering letters. The screen is common for both options and is shown below :
133
134
JOB CARD FOR DEMAND DRAFTS AND PAY ORDERS
FOR SINGLE ISSUE OF DEMAND DRAFT/PAY ORDER

1. Go to TM option
1.1. Input Details as mentioned below
1. Function “A “ For putting a DD Transaction

2. Type “ C” for Cash Receipt & “T” for transfer from
A/C
3. Sub Type “ NR” For Cash receipt & “CI” for TR from A/C
4. A/C No Put the DD account No F2 help available
5. Amount Enter The amount of DD
6. Debit / Enter C
Credit
7. Particulars Enter the particulars of Purchaser
1.2. Press F4 to go to next screen depicted below
1.3. Feed particulars as mentioned below
135
1. Create Dr Part In case of Cash it is system defined else say
tran “Y”
2. City name Place on Which the DD is Drawn
3. Drawn On Branch Code F2 help available
4. Payee Name Payees name will be Input
5. Purchaser A/c In “Transfer” from a/c A/c No of Purchaser to be
no Put.
6. Purchaser For Cash DD details of Purchaser required
name
7. Print option Enter “L” for later Or “I” for immediate
FOR MASS ISSUE OF DD/PO THE OPTION IS DDMI
1. Go for option DDMI for issuing DD in bulk

2. Screen below will pop up
2.1. Follow the steps mentioned below
1. Function “A” for input of Mass DD issue

2. Tran Type “T” Transfer from account
3. Sub type “CI” for customer induced
4. Cheque Enter the cheque No
5. DD A/c No DD account No will be Given
6. Pur A/C no Enter the Customers A/c No & press F6
7. Amount Amount Of DD to be Entered
8. Drawn On bank & IBKL & enter the Branch code
Branch
9. Payee name Enter the Payee name. Press CTR + Down arrow for Next DD
particulars
2.2. Note the Transaction Number on the Voucher
2.3. After entering all the DD details Press F10 for saving the transaction.
136
DD PRINTING
1. After Posting the DD transaction Thru the TM mode, the DD Printing can be done only by a
person holding the DD Inventory in his ID. This implies that TM for DD can be posted by
any user, but Printing of the DD will be done only by the person who is Holding the DD
inventory.
2. DDPRNT- Menu option for DD printing
3. 3.1 Enter particulars as given below
1. Tran no Enter The Transaction No generated by the TM

2. Sub type Enter 1
3. Date Enter the Date & press F4
4. All the details of the DD would appear on the screen along with the DD no which will be
generated by the System, however you can change the DD no. Press F10 & DD will be
printed.
5. In case the DD is not printed properly, it can be reprinted.
137
FOR CANCELLATION OF DD/PO.
1. Enter menu option - DDC
1.1. Enter particulars given below.
1. Function “C” for cancellation for DD/Payorder.

2. DD No Enter The DD no. and press F4.
3. DD ISSUE DT Enter the DD issue date
4. Tran Type Enter “ C “ for Cash & “ T “ For transfer
5. Create Srv “ Y ” to be entered for taking cancellation
Chg Tran Charges
6. DD amount Amount of the DD should be entered
7. Inst Type DDD to entered
8. Inst number DD Number to be entered
9. Drawn on Name of the Branch on which it is drawn
10. Inst Date Date of the instrument
11. DD A/c No Account No of the DD
12. Pur A/c No The account No of the Purchaser. Not
applicable in case of cash.
13. Pur Name Name of the purchaser
14. Ser Charges System Calculated Amount
Amt
15. Remarks Remarks if any can be given
1.2. Enter F10 to commit.
138
FOR ISSUE OF DUPLICATE DD
1. Mark the DD as lost in the menu option DDLOST.
2. Go to the menu option DDLOST
2.1. Enter the particulars given below
1. DD No DD no of The Lost DD will be given

2. Date of Issue Date of Issue of the Lost DD will be Given
3. Non payment Put Y for advice or else N.
advice /req
3.1. After giving the above details press F4, & then press F10 to commit.
Flow Chart For Money Equity
If No, open
Is the If Yes, find out customer
customer new the customer master and
or existing ID keep the
customer ID
ready
139
Accept Go to OAAC Limit
Security, Set menu, Key in Maintenan
limit, Margin “o” as the ce
and link to function for (ACLHM)
the account opening the
Release Of account.
Security(SR
M)
Now issue Transaction Penal Intt

cheque book Posting ( TM ) Interest for Application
(ICHM) overdues and
(System Closure of
applies at Account.
2%) (CAAC)
140
SCREENS AND STEPS FOR OPENING MONEY EQUITY ACCOUNT
1st Screen(OAAC)
1.1 Type “OAAC” in the Menu option and press Enter. Following Screen comes up.
1.2
Follow Under Mentioned Steps
Cursor Position Value To be typed Action
Function O (Not Zero) F11
Customer ID Enter the ID of the customer for whom F11
the account is being opened
Currency Code INR F11
GL Subhead Code Enter the GL Sub Head Code F11
Scheme Code Enter the scheme code F11
Permanent A/C No Leave the field blank. In our Bank, A/C F11
No is system generated
Copy A/C No Leave Blank F4
Option Code Enter ‘G’ F4
Cursor moves to screen 2
141
Follow the undermentioned steps
NOTE: The name of the account, short name, account manager etc shall appear by
default in the screen even before you enter any detail. These details are populated
from the customer master (Customer ID). Do not change them unless otherwise
required.
STEPS ON NEXT PAGE
142
1.3 Follow Undermentioned Steps:-

Acct Name Do not change the default value unless F11
required
Acct Short Name Do not change the default value unless F11
required
A/C Open Date By default, it will be BOD. Change if F11
necessary. This can be prior to BOD but not
later than BOD
Special Charge Code Mention the code of special charges if any F11
are given to the customer
Mode of operation Press F2, select appropriate mode by F11
pressing shift + F4
Location Code Press F2, select appropriate mode by F11
pressing shift + F4
Account Mgr Press F2, select appropriate mode by F11
pressing shift + F4
Cash Exception Change the default value if needed. F11
Limit (Dr)
Clg Exception Limit Change the default value if needed. F11
(Dr)
Xfer Exception Limit Change the default value if needed. F11
(Dr)
Account Report Appears by default. Do not change the value F11
Code
Collect charges Enter Y F11
Turnover Details Enter N F11
Related to staff Y if related to staff, N if not related F11
Staff Id Press F2, select Employee by pressing shift F6
+ F4
Cursor moves to screen-3
143
Screen- 3 (OAAC)-General Details

Pass book /Statement Enter S for statement / P for pass book F11
Frequency of Q/blank /blank /2/N F11
statement
Local Calendar Enter N F11
Despatch Mode Enter Q for courier, P for Post, C for F11
collection
Next Print Date DD / MM / YY. F11
Download To PBF Default Value- N. Do not change it F11
Pay interest Enter N F11
Collect interest Enter Y F11
Customer Preferential Enter Preferential if any approved F11
(Dr / Cr)
Account Preferential Enter Preferential if any approved F11
(Dr / Cr)
Interest Cr A/C Flag ENTER ‘S’ F11
Interest Dr A/C Flag ENTER ‘S’ F11
144
Interest Rate Code The code shall be appearing by default. F11
If any change is required, do so by
pressing F2 and selecting appropriate
code.
Account Pegged If the agreement is for Fixed Rate, ‘Y’ F11
If the agreement is for floating rate, “N”
Pegging Review Date Leave Blank F11
Pegging Frequency Leave Blank F6
1.5 Cursor Position Value To be typed Action

Contact Phone No Enter the Phone No F11
Interest Calculation Please do not change the default value F11
Freq Dr
Next Int.Calc.Date Dr Please leave the default value F11
unchanged
TDS Operative Account Not Applicable F11
Language Code Leave Blank F11
Name in Language Leave Blank F6
Code
Cursor moves to screen –5
145
Screen- 5 (OAAC)-Scheme Details
1.6 Cursor Position Value To Be typed Action

Option Code Change the value to ‘S’ F4
Dr. Balance Limit Enter the sanction amount F11
Max.Allowable Limit Enter the sanction amount F11
Credit file no Enter the credit file no F11
Debit Acknowledgement Enter the date of loan documents / F11
Date revival letter, whichever is latter
ECGC Cover Enter N F11
ECI premium Dr A/C Leave Blank F11
Due Date Leave Blank F11
Extd Due Date Leave Blank F11
Tax Category Default Value- N, leave it unchanged F11
With Holding Tax borne by Leave Blank F11
Cheque Allowed Enter ‘Y’ F11
Charge for cheque issued Enter ‘Y’ F11
Return Paid Cheque Enter ‘N’ F11
Paid Cheque Return Freq. Leave Blank F11
Avail Nomination Facility Enter ‘N’ F6
The cursor moves over to Screen No-6
146
147
1.7
Cursor Position Value To Be typed Action
Customer/Account Health Enter the valid value F11
Code
Interest Amount (for Leave blank for all new accounts. In F4
transferred accounts) case of transfer accounts, enter the
interest accrued
Option Code Change the value to ‘A’ for related F4
party details
148
Screen- 7 (OAAC)-POA/AS/LA Details
1.8 Most of the details here shall have been populated from the Customer Master. If
you need to enter any details / modify any field, you can do so and there after
press F4.
Note: Here we can add any number of records by going back to option code and entering
‘A’ and pressing F4. Details of partners and guarantors can be entered here.
The cursor shall move to option field. Here enter ‘V’, press F4 and move over to screen 8.
149
Screen- 8 (OAAC)-Advance Details
1.9
Cursor Value To Be typed Actio
Position n
Sector Press F2, Select appropriate code by pressing TAB
Shift+F4
Sub Sector Press F2, Select appropriate code by pressing TAB
Shift+F4
Occupation Press F2, Select appropriate code by pressing TAB
Shift+F4
Borrower Press F2, Select appropriate code by pressing TAB
Category Shift+F4
Purpose of Press F2, Select appropriate code by pressing TAB
Advance Shift+F4
Mode Of Adv Press F2, Select appropriate code by pressing TAB
Shift+F4
Type Of Press F2, Select appropriate code by pressing TAB
Advance Shift+F4
Nature Of Press F2, Select appropriate code by pressing TAB
Advance Shift+F4
Guarantee Press F2, Select appropriate code by pressing F4
Cover Code Shift+F4
Option Code Enter H F4
The Cursor move over to screen -9
150
Screen- 9 (OAAC)-Sanction Limit Details
1.10
Cursor Value To be typed Action
Position
Applicable Date This field would be blocked. No need to enter any F11
value
Limit Level Enter ‘N’ if the account has a single limit or more F11
Interest than one limit with all the limits having same
interest rate. Otherwise, ‘Y’
Sanction limit Enter Sanction Amount F11
Supercede This would be blocked F4
Sanction Date Enter date of Sanction F11
Expiry Date Enter the date on which the account is supposed to F11
be fully repaid.
Penal Interest Enter the grace period if any, after which penal F11
From interest would be charged, in case the loan is not
repaid
Document Date Enter date of documents F11
Review Date Enter date When the account is due for review F11
151
Normal Interest In case you select the limit level interest as “Y”, F11
this field would be available for modification. Here
enter the normal interest rate
Penal Interest In case you select the limit level interest as “Y”, F11
mention the penal interest rate
Security Say House / Flat / Car / etc F11
Description
Remarks Enter Remarks if any F11
Sanction Level Press F2, select by pressing shift + F4 F11
Sanction Press F2, select by pressing shift + F4 F11
Authority
Sanction Ref Enter the reference no. of CO / RO / Branch F4
sanction

Screen- 10 (OAAC)-Drawing Power/DACC Details
1.11
152
Position
Drawing Power D if derived from securities. Normally for F11
Indicator secured EMI loans, share loans, loans against
FD, etc, it would be D
Drawing Power% Leave the default value of 0.0000 as it is F11
Limit Id Leave Blank F11
DACC limit Leave the default value as it is F11
Percentage Leave the default value as it is F11
A/C Recalled Enter ‘N’ F11
Remarks Enter remarks if any F4
1.12
Cursor goes back to the option field. Now press F10 for committing the details. Screen
no-11 shall come up displaying the account number.
153
An Aid to
Navigation for the
Loans & Advances
Module
154
INDEX
Corporate Banking
Sl. Subject Date

1 Customer Master 05-03-
2001
2 Current Account – Escrow Accounts – TRAA Accounts
3 Frequently Used Keys
4 Transactions – DD, Pay Order. Standing Instructions
5 Overview of Advances & Schemes 06-03-
2001
6 Overdraft Accounts
a) Money Equity
b) Opening of Account
c) Setting up of Sanction Limit
d) Linking of Securities
e) Modification of Sanction Limit
f) Release of Securities
g) Transaction Posting
7 EMI Loans 06-03-
2001
a) Opening of Account
b) Setting up of Disbursement Process
c) Flow Concept
d) Disbursal
e) Repayment Schedule
f) Linking to Securities
8 Overdraft Against Term Deposits 07-03-
2001
a) Opening of OD Account
b) Linking up of Interest Rate
c) Setting up of Limit
d) Linking of OD A/c to FD A/c
e) Lien Enquiry / History / Closure
9 Term Loans 07-03-
2001
a) Term Loans
b) Foreign Currency Loans
10 NCDs 08-03-
2001
11 MIBOR Bonds 08-03-
2001
12 Preference Shares 08-03-
2001
13 Rephasement of Term Loans 08-03-
2001
14 Limit Node Maintenance 09-03-
2001
155
a) Interchangeability of Limits
b) Parent Nodes
c) Monitoring of Individual and Group Exposures
15 Security Register Maintenance 09-03-
2001
16 Interest Calculation / Interest Modification / Interest 09-03-
Modules 2001
17 TOD 09-03-
2001
18 Past Due Accounts – NPA Accounting - Provisioning 09-03-
2001
19 Closure of Accounts 09-03-
2001
20 Data Migration for Advance Accounts 09-03-
2001
21 Tools for Credit Monitoring (at branches) 10-03-
2001
a) Turnover In The Account
b) List of accounts where inspections are
3months old
c) Import LC devolved
d) Report of Cheques Returned
e) Message Code maintenance-Follow-up register
f) Penal Charges For non creation of security
through account / client preferential
g) Letter Generation
h) Report of Accounts Due For Review
i) Report of Insurance Due For Renewal
j) Automatic Penal Interest Application for
overdues and Delay In submission of stock
statements
k) Account / Client Profitability
l) TOD count during a period
m) Loan Overdue Position
22 Case Studies. 10-03-
2001
156
CUSTOMER MASTER (CUMM)
The following fields need to be filled up during Customer Creation for Loans
And Advances :
Screen 1 – Option G
Type To be selected by Pressing F2
Account Manager To be selected by Pressing F2 –
relationship manager’s ID must
be selected
Group To be selected by Pressing F2 –
required for maintaining Group
Exposure
Occupation To be selected by Pressing F2 –
required for generating Returns
Constitution To be selected by Pressing F2 –
required for generating Returns
Health Code To be selected by Pressing F2
Customer Rating To be selected by Pressing F2
As on Date on which Customer Rating
has been done to be keyed in
Customer Preferential till Date Till what Date the Customer is
entitled to any preferential rate,
if any
Customer Financials Details As Latest Financial Date of the
On Customer
Financial Year End Month Key in the Month in Numericals
Business Assets Key in the business assets of the
customer
Property Assets Key in Property Assets declared
by the Customer
Investments Key in the Investments declared
by the Customer as per the
Application
Networth Key in the Networth of the
Customer
Deposits Key in the Deposits of the
Customer
Limit with Other Banks / Key in the Limits enjoyed from
Institutions other banks / institutions.(Fund
Based & Non Fund Based)
As On Key in the Date on which the
above Limit has been taken
Fund Based Fund Based Limit with others
Non Fund Based Non-Fund Based Limit with others
157
158
GL
SUBHEA SCHM. SCHM.TYP
D SCHEME DESCRIPTION CODE E
5
DIGITS
OD / CC ( RETAIL)
65100 OD AGAINST FD-RETAIL RLODT ODA
65110 CASH CREDIT - RETAIL RLCCA CCA
65330 IBPC-WITH RISK RET RICWR CCA
65340 IBPC-WITHOUT RISK RET RICOR CCA
65370 CC AGAINST CUSTOMER SHARE RLSHL ODA
65380 OD AGAINST OTHER SECURITIES RLOS ODA
65390 WORKING CAPITAL DEAMND LOAN-RETAIL RLWDL LAA
OD / CC ( CORPORATE)
65500 OD AGAINST FD-CORP CLODT ODA
65510 CASH CREDIT-CORP CLCCA CCA
65730 IBPC-WITH RISK CORP CICWR CCA
65740 IBPC-WITHOUT RISK CORP CICOR CCA
65770 CUSTOMER SHARE LOANS-CORP CLSHL ODA
65780 OD AGAINST OTHER SECURITIES CLOS ODA
65790 WORKING CAPITAL DEAMND LOAN-CORP. CLWDL LAA
SHORT TERM LOANS - RETAIL

67110 SHORT TERM LOANS -CLIENTS RLSTC LAA
67110 SHORT TERM LOANS -SPECIAL RLSTS LAA
67110 SHORT TERM COMMERCIAL LOANS/CLIENTS RLSTM LAA
67110 STL<91DAYS-RETAIL RL90 LAA
67110 STL 91-120DAYS-RETAIL RL120 LAA
67110 STL 121-180 DAYS-RETAIL RL180 LAA
67110 STL<91DAYS-COM RET RC90 LAA
67110 STL 91-120DAYS-COM RET RC120 LAA
67110 STL 121-180 DAYS-COM TET RC180 LAA
67110 STL<91DAYS-SPL RET RS90 LAA
67110 STL 91-120DAYS-SPL RET RS120 LAA
67110 STL 121-180 DAYS-RETAIL RS180 LAA
SHORT TERM LOANS - CORPORATE

67120 SHORT TERM LOANS -CORPORATE CLSTC LAA
67120 SHORT TERM LOANS -AGRICULTURE CLSTA LAA
67120 SHORT TERM LOANS-GOVT CLSTG LAA
67120 SHORT TERM LOANS -SPECIAL CLSTS LAA
SHORT TERM COMMERCIAL LOANS-
67120 CORPORATE CLSTM LAA
67120 STL <91DAYS -CORP CL90 LAA
67120 STL 91-120 DAYS -CORP CL120 LAA
67120 STL 121-180 DAYS -CORP CL180 LAA
67120 STL <91DAYS -AGRI AL90 LAA
159
67120 STL 91-120 DAYS -AGRI AL120 LAA
67120 STL 121-180 DAYS -AGRI AL180 LAA
67120 STL <91DAYS -GOVT GL90 LAA
67120 STL 91-120 DAYS -GOVT GL120 LAA
67120 STL 121-180 DAYS -GOVT GL180 LAA
67120 STL <91DAYS -COM LOAN CM90 LAA
67120 STL 91-120 DAYS -COM LOAN CM120 LAA
67120 STL 121-180 DAYS COM LOAN CM180 LAA
67120 STL <91 DAYS SPL CS90 LAA
67120 STL 91-120 DAYS SPL CS120 LAA
67120 STL 121-180 DAYS SPL CS180 LAA
MEDIUM TERM LOANS - RETAIL

67210 MEDIUM TERM LOANS -CLIENTS RLMTC LAA
67210 MEDIUM TERM LOANS -SPECIAL RLMTS LAA
MEDIUM TERM COMMERCIAL
67210 LOANS/CLIENTS RLMTM LAA
MEDIUM TERM LOANS - CORPORATE

67220 MEDIUM TERM LOANS -CORPORATE CLMTC LAA
67220 MEDIUM TERM LOANS -AGRICULTURE CLMTA LAA
67220 MEDIUM TERM LOANS-GOVT CLMTG LAA
67220 MEDIUM TERM LOANS -SPECIAL CLMTS LAA
MEDIUM TERM COMMERCIAL LOANS-
67220 CORPORATE CLMTM LAA
LONG TERM LOANS - RETAIL

67310 LONG TERM LOANS -CLIENTS RLLTC LAA
67310 LONG TERM LOANS -SPECIAL RLLTS LAA
67310 LONG TERM COMMERCIAL LOANS/CLIENTS RLLTM LAA
LONG TERM LOANS - CORPORATE

67320 LONG TERM LOANS -CORPORATE CLLTC LAA
67320 LONG TERM LOANS -AGRICULTURE CLLTA LAA
67320 LONG TERM LOANS-GOVT CLLTG LAA
67320 LONG TERM LOANS -SPECIAL CLLTS LAA
LONG TERM COMMERCIAL LOANS-
67320 CORPORATE CLLTM LAA
OTHER LOANS - RETAIL

67510 LOAN AGAINST FD-RETAIL RLOFD LAA
67510 LOAN AGAINST SHARES-RETAIL RLOSH LAA
67510 LOAN AGAINST SECURITIES-RETAIL RLOSC LAA
67510 LOAN AGAINST IPO - RETAIL RLOIP LAA
67510 BRIDGE LOAN-RETAIL RLOBR LAA
67510 FIXED LOANS SPECIAL-LENDING (F.CY) RLOFL LAA
67510 MONEY DRIVE LOAN-RETAIL RLOMD LAA
67510 HOUSING LOAN UPTO 10 LACS RLOHE LAA
67510 HOUSING LOAN > 10 LACS RLOHG LAA
160
67510 MONEY HOME PLUS RLOHP LAA
67510 EDUCATIONAL LOANS RLOED LAA
67510 FXD.LOAN SPL(F.CY)-RETAIL RLOFL LAA
67510 IBPC-RETAIL WITH RISK RILWR LAA
67510 IBPC-RETAIL WITHOUT RISK RILOR LAA
OTHER LOANS -CORPORATE

67610 LOAN AGAINST FD-CORPORATE CLOFD LAA
67610 LOAN AGAINST SHARES-CORPORATE CLOSH LAA
67610 LOAN AGAINST SECURITIES-CORPORATE CLOSC LAA
67610 LOAN AGAINST IPO - CORPORATE CLOIP LAA
67610 BRIDGE LOAN-CORPORATE CLOBR LAA
67610 FIXED LOANS SPECIAL LENDING (F.CY.)-CORP CLOFL LAA
67610 IBPC-RETAIL WITH RISK CILWR LAA
67610 IBPC-RETAIL WITHOUT RISK CILOR LAA
STAFF LOANS
76400 STAFF LOANS - PERSONAL RLSTP LAA
76500 STAFF LOANS - HOUSING RLSHG LAA
76600 STAFF LOANS - VEHICLES RLSVE LAA
76700 STAFF LOANS - OTHERS RLSOT LAA
76800 STAFF SALARY ADVANCE RLSSA LAA
161
FREQUENTLY USED KEYS
KEYS FUNCTIONS
F2 LIST
F3 QUIT
F4 ACCEPT
F5 BACKGROUND MENU
F6 NEXT BLOCK
F8 COPY RECORD
F9 SIGNATURE DISPLAY
F10 COMMIT
F11 NEXT FIELD
F12 PREVIOUS BLOCK
Shift F4 SELECTION OF CURRENT ENTRY
FROM OPTIONS
Ctrl E EXPLODE
Ctrl X CURRENT DATE
Ctrl F DELETE CURRENT ENTRY IN
FIELD
Ctrl F9 LOOK UP MEMO PAD
Ctrl U SROLL UP ONE PAGE
Ctrl D SCROLL DOWN ONE PAGE
Ctrl – Up Arrow ONE RECORD UP
Ctrl – Down Arrow ONE RECORD DOWN
162
Flow Chart For Money Equity
If No, open
Is the If Yes, find out customer
customer new the customer master and
or existing ID keep the
customer ID
ready
Accept Go to OAAC Limit

Security, Set menu, Key in Maintenan
limit, Margin “o” as the ce
and link to function for (ACLHM)
the account opening the
Release Of account.
Security(SR
M)
Now issue Transaction Penal Intt

cheque book Posting ( TM ) Interest for Application
(ICHM) overdues and
(System Closure of
applies at Account.
2%) (CAAC)
SCREENS AND STEPS FOR OPENING MONEY EQUITY ACCOUNT
163
1st Screen(OAAC)
1.1 Type “OAAC” in the Menu option and press Enter. Following Screen comes up.
1.2
164
required.
STEPS ON NEXT PAGE
165

required
required
later than BOD
pressing shift + F4
pressing shift + F4
pressing shift + F4
Limit (Dr)
(Dr)
(Dr)
Code
+ F4
166

statement
collection
(Dr / Cr)
(Dr / Cr)
167
code.

Freq Dr
unchanged
Code
168

169
170
1.7
Code
interest accrued
Option Code Change the value to ‘A’ for related F4
party details
171
Screen- 7 (OAAC)-POA/AS/LA Details
1.9 Most of the details here shall have been populated from the Customer Master. If
you need to enter any details / modify any field, you can do so and there after
press F4.
Note: Here we can add any number of records by going back to option code and entering
‘A’ and pressing F4. Details of partners and guarantors can be entered here.
The cursor shall move to option field. Here enter ‘V’, press F4 and move over to screen 8.
172
Screen- 8 (OAAC)-Advance Details
1.9
Position n
Shift+F4
Shift+F4
Shift+F4
Category Shift+F4
Advance Shift+F4
Shift+F4
Advance Shift+F4
Advance Shift+F4
Cover Code Shift+F4
173
174
Screen- 9 (OAAC)-Sanction Limit Details
1.10
Position
value
be fully repaid.
repaid
175
Description
Authority
sanction

Screen- 10 (OAAC)-Drawing Power/DACC Details
1.11
176
Position
1.12
Cursor goes back to the option field. Now press F10 for committing the details. Screen
no-11 shall come up displaying the account number.
177
EMI LOANS
Setting up a EMI Loan Account involves the following steps.

Is the customer If Yes, find If No, open customer
new or existing master and keep the
out the
customer ID ready
customer ID
Interest
Accept Security, Application
Define Margin ACACCR
and link to the ACBOOK
account (SRM) ACINT
Go to OAAC menu, Key

Get Repayment in “O” as the Function Recovery of
Schedule in the for Opening the A/c. Pending
option LARSH After A/C no is allotted, Charges -
Verify in the OAACAU CACC
menu.
Transaction Account
Posting Closure -
CAAC
Recovery of Pre- Recovery of

EMI charges installment
(LADSP)
178
Screens Under OAAC For A EMI Loan
es Of A Maker
General Details (G) Enter Related Party Details, Enter Scheme Details,
Enter the details, Press F4, Go to Option Code, Press F4, Go to Option
Type A and Press F4 Type S and press F4 for Code, type V and press
for moving to Related moving to Scheme Details F4 for moving to Advance
Party Screen Screen Details Screen
Enter Interest Details, Enter Limit Details, press Enter Advance Details,
press F4, go to Option F4, go to Option Code, Press F4, go to Option
code, type ‘D’ and press F4 type ‘I’ and press F4 for Code, type ‘H’ and press
for moving to Disbursal moving to Interest F4 for moving to Limit
Details Details Details
Enter Disbursal Details, Enter Repayment Details,

press F4, go to Option press F4. The cursor goes Request the Checker
Code, type ‘E’ and press to the option code. Press to Verify the account.
F4 for moving to F10 for committing the
Repayment Details record
179
Activities for a Checker
a) The checker has to choose OAACAU menu, select verify (V) mode, visit all
the screens mentioned above, check the details and if all the data is correct,
conclude verification by pressing F10.
b) In case any data is incorrect, the Checker desires to change the data, he has
to Press F3, come out of verification, choose modify mode (M) in the
OAACAU option, correct the data as required, and commit the modification
by pressing F10. Now the account has to be verified by a person other than
the checker.
Opening an EMI Loan Account e.g. Housing Loan

Type ‘ OAAC’ in the menu option and press enter. The following screen comes up.
1st Screen – OAAC

180
5.0.1.1.1.1.1Follow the undermentioned steps
2nd Screen – OAAC (General Details)
Account Name, Account Short Name, Account Open Date, Account Report Code,
Collect Charges, Turnover Details, Relative to Staff and Exception Details will be
populated by default. Do not change them unless otherwise required.
181
required
required
later than BOD
pressing shift + F4
pressing shift + F4
pressing shift + F4
Limit (Dr)
(Dr)
(Dr)
Code
+ F4
182
Follow the Undermentioned steps.
3rd Screen – OAAC – General Details

statement
collection
Collect Interest Enter Y F11
(Dr / Cr)
(Dr / Cr)
code.
183
4th Screen – OAAC – General Details

Freq Dr
Next Int.Calc.Date Dr Plese leave the default value F11
unchanged
Name in Lang Code Leave Blank F6
184
5th Screen - OAAC

Option Code Enter S F4
Credit File No Key in the file number of the client F11
Review Level Press F2, select from list by pressing Shift +F4 F11
Review Authority Press F2, select from list by pressing Shift +F4 F11
Hold in Operative If installment is recovered through operative F11
Account for amount account, ‘Y’ otherwise ‘N’
due
Repayment Method E – This means in case of insufficient funds in F11
the operative account, installments would be
recovered to the extent of funds available
Repayment Currency Leave Blank- Applicable for foreign currency F11
rate Code loans
Operative A/C No Enter the account number from where interest F11
and instalments are recoverd. (If hold in
operative account is ‘Y’, this field must be
filled in)
185
Related Deposit A/C Enter the deposit account number on which F11
No there is no lien. If this deposit account is
closed, the system will generate exception
Ack of Debt Start Default value would be “L” Do not change it F11
Debt Enter the date of security documents or Latest F11
Acknowledgement revival letter, whichever is latter.
date
Margin % Enter the margin as per sanction F11
Repayment Period Months / Days (Ex. 60 / 00 F11
Priority Loan Y for Priority and N for Non-priority F11
Transfer in A/C N F11
Debit intt. To loan a/c L (interest shall be debited to loan account) F11
Valuation required Leave blank F6
5.0.1.1.1.1.4
Screen-6 – OAAC
In this screen, values are populated by default. User not to key in any details unless
otherwise required.
Press F4 for moving over to option code, there press ‘V’ for going to Screen-7.
186
Screen –7 of OAAC – Advance Details

Position
Sector Code Press F2, select appropriate code by pressing F11
Shift + F4.
Sub Sector Code Press F2, select appropriate code by pressing F11
Shift + F4.
Occupation Press F2, select appropriate code by pressing F11
Code Shift + F4.
Borrower Press F2, select appropriate code by pressing F11
Category Shift + F4.
Purpose of Press F2, select appropriate code by pressing F11
Advance Shift + F4.
Mode of Press F2, select appropriate code by pressing F11
advance Shift + F4.
Type of advance Press F2, select appropriate code by pressing F11
Shift + F4.
Nature of Press F2, select appropriate code by pressing F11
advance Shift + F4.
Guarantee Press F2, select appropriate code by pressing F4
Cover Code Shift + F4.
Option Code H F4
187
Screen - 8 – Limit History Details
188
Position
value
be fully repaid.
repaid
189
Description
Authority
sanction
9th Screen – OAAC – Limit History Details
190
Position
Remarks Enter remarks if any F4, pause
and press
F4
Option Code I F4
191
10th Screen – OAAC – Interest Details

Position
10th Screen No changes to be made F4
Option Code D F4
5.0.1.1.1.1.7
192
5.0.1.1.1.1.8
5.0.1.1.1.1.9
5.0.1.1.1.1.10 Follow the undermentioned steps
11th Screen – OAAC – Disbursement Schedule

Position
Flow Id Enter DSBMT( or, press F2, select by pressing shift F11
+ F4)
Date Enter the Date on which disbursal would be made F11
Amount Enter the Amount to be disbursed. If there are F11
more than one disbursals on same or different
dates, it can be stipulated here.
Remarks Enter the disbursal purpose for ex: registration F11
charges / cost of land / etc
Delete In case there would be only one disbursal, Press F4.
Otherwise, Press Control + Down Arrow
Flow ID Repeat the above steps, mention details of second F4
disbursal, 3rd disbursal….. last disbursal etc when
remark
s are
filled
in.
Option Code E – repayment schedule F4
193
12th Screen – OAAC – Repayment Schedule

Position
Flow ID Enter ‘PRDEM ‘(or press F2, select by pressing Shift F11
+ F4)
Start Date Date on which first installment would fall due F11
No No of installments F11
Frequency M/ / /10/N F11
Amount In case of EMI, do not enter any value. This would F11
be calculated by the system
Delete Press F4
Option Code Nil F10
194
Following Screen Would Pop Up. It would show the account Number In The
Message Box
Account Number of the account being opened will be generated (Example–

001675100000019)
195
Flow Chart For OD Against FD
Open FD A/C Open A OD

if it does not Account
(OAAC)
exist(OAAC)
Link the OD account to

FD in SRM (SRM)
(SRM)
OD Issue Transaction Closure of

account Cheque Posting the OD
derives Book ( TM ) Account
Drawing (ICHM) (CAAC)
Power.
196
OVERDRAFT AGAINST FIXED DEPOSITS
Prerequisites
Fixed Deposits should have been created and the transaction passed through TM.
How to Open a Overdraft Against Fixed Deposit A/c
Follow the undermentioned steps:-
OAAC – Screen 1 – General Details

Function Enter ‘O ‘(Not Zero) F11
Currency Code Enter ‘INR’ F11
Permanent A/C No Leave the field blank F11
Copy A/C No. Leave the field blank F11
197
Screen – OAAC (General Details)

Account Name, Account Short Name, Account Open Date, Account Report Code,
Collect Charges, Turnover Details, Relative to Staff and Exception Details will be
populated by default. Do not change them unless otherwise required.
STEPS ON NEXT PAGE
198
required
required
later than BOD
pressing shift + F4
pressing shift + F4
pressing shift + F4
Cash exception Limit Change the default value if needed. F11
(Dr)
(Dr)
(Dr)
Code
+ F4
199
Screen – OAAC – General Details

Pass book /Statement Enter S for statement or P for pass book F11
Frequency of Enter M/ blank /blank /2/N F11
statement
collection, S for special delivery
Next Print Date Enter DD / MM / YY. (Normally it would F11
be 2nd of next month)
Customer Preferential Preferential if any exists, would be F11
(Dr) default populated
Account Preferential Preferential if any approved F11
(Dr)
pressing F2 and selecting by
pressing shift +F4.
Account Pegged If the agreement is for Fixed Rate, enter F11
‘Y’
If the agreement is for floating rate,
enter “N”
200
Pegging Review Leave Blank F11

Contact Phone No There will be a default value. Check it F11
with the documents.
Interest calc.freq cr Leave blank F11
Next Int calc. Date cr Leave blank F11
Interest Calculation Leave blank. Interest shall be calculated F11
Freq Dr through a batch job
Next Int.Calc.Date Dr Leave it Blank F11
TDS Operative Account Leave Blank F11
Language Leave Blank F11
201
5th Screen - OAAC

Cursor Position Value to be typed Action
Cursor moves over to next screen
202
Screen-6 – OAAC
In this screen, values are populated by default. User not to key in any details unless
otherwise required.
Press F4 for moving over to option code, there press ‘V’ for going to Screen-
7.
203
Screen –7 of OAAC – Advance Details
204
Position
Sector Code Press F2, select appropriate code by pressing F11
Shift + F4.
Sub Sector Code Press F2, select appropriate code by pressing F11
Shift + F4.
Occupation Press F2, select appropriate code by pressing F11
Code Shift + F4.
Borrower Press F2, select appropriate code by pressing F11
Category Shift + F4.
Purpose of Press F2, select appropriate code by pressing F11
Advance Shift + F4.
Mode of Press F2, select appropriate code by pressing F11
advance Shift + F4.
Type of advance Press F2, select appropriate code by pressing F11
Shift + F4.
Nature of Press F2, select appropriate code by pressing F11
advance Shift + F4.
Guarantee Press F2, select appropriate code by pressing F4
Cover Code Shift + F4.
205

Position
Applicable Date Date from which the limit would be effective F11
Limit Level N if the account has a single limit or more than one F11
Interest limit with all the limits having same interest rate.
Y if the account has slab rates of interest for
different limits
Sanction limit Sanction Amount F4
Sanction Date Date of Sanction ( DD.MM.YY) F11
Expiry Date Enter the date on which the limit expires F11
Penal Interest Mention the grace period if any after which the F11
From penal interest would apply
Document Date Enter the Date of documents (DD.MM.YY) F11
Review Date Enter the Date of review (DD.MM.YY) F11
206
mention the normal interest rate. If it is set as “N’,
this field would be blocked
Security Say Fixed Deposit, etc. F11
Description
Authority
sanction
207
9th Screen – OAAC – Limit History Details

Position
Drawing Power Enter D to indicate that the limit is derived F11
Indicator
Drawing Power%Leave the default value of 0.0000 as it is F11
A/C Recalled N F11
Option Code  N if availing nomination facilty, fill in the F4 and
details there. then F10
 If nominaction facility not availed, press
F4 and then F10
Account Number is allotted.
208
CASH CREDIT ACCOUNTS
1.1 Follow Under Mentioned Steps

209
1.2
required.
STEPS ON NEXT PAGE
210
Follow Undermentioned Steps:-

required
required
later than BOD
pressing shift + F4
pressing shift + F4
pressing shift + F4
Limit (Dr)
(Dr)
(Dr)
Code
+ F4
211
statement
collection
(Dr / Cr)
(Dr / Cr)
code.
212
Freq Dr
unchanged
Code
213
214
1.6
Code
interest accrued
Option Code Change the value to ‘H’ for LIMIT F4
details
215
1.7
216
Position
value
be fully repaid.
repaid
Description
Authority
sanction
217
1.8
Position
Option Code Enter ‘V’ F4
218
1.9
Position n
Shift+F4
Shift+F4
Shift+F4
Category Shift+F4
Advance Shift+F4
Shift+F4
Advance Shift+F4
Advance Shift+F4
219
Cover Code Shift+F4
220
1.10
221
Linking of the Loan Account to the SRM.
Enter ‘SRM’ in the menu option and press Enter. Following screen pops up.
Security Register Maintenance has to be updated as defined in the Security Register

Module.
222
SECURITY REGISTER MAINTENANCE
Application
SRM is used for maintenance of security and drawing power allocation in

respect of all advance accounts where drawing power is derived from
securities.
FUNCTIONS
The Security Register Maintenance (SRM) has two important functions –
(a) Maintenance of particulars of the securities submitted by a client and

(b)Allocation of drawing power to an account
(c) Other utilities include :-
1. Stipulation of maximum drawings allowable against security to the

relative account.
2. Classification of the security as Primary / Collateral.
3. Maintenance of the Market Value, Repurchase Value, Face Value with

options to specify which is to be used, Margin to be retained, whether
additional details like Insurance, Charges, Income and Expenses are
required or not.
4. The system provides linkage to Interest Computation for computing

additional interest for non-submission of Stock.
5. If the security is a Deposit Account, a lien is marked on the account for

the value of the Advance Amount / Limit Sanctioned and the component
of available balance is updated appropriately.
223
FLOW CHART - SRM
In the ensuing paragraphs, steps involved are explained in detail.
Type SRM Select Select

in the Option-A Option-C
Menu and Add and enter
Option and Security Charge
enter Details Details
1(start) 2 3
Commit Select Select

the record Option-P and Option N
by Pressing enter and enter
F10 Inspection Insurance
Details Details
4 5 6
Verification of the Account gets

Record by Authorized Drawing Power
Person
7 8 (END)
224
Adding Security Through ‘ SRM’ Option :-
Follow the undermentioned steps.
SRM-Screen- 1 for selecting function and account to be linked

Menu Option Type “SRM” Press ENTER
Function Enter “A” i.e ADD F4
Linkage Type Enter “A” for F4
indicating that the
security shall be
linked to the account
Account No. Enter A/C number, F4
which is to be linked
to the security
Cursor moves over to the screen no-2
225
226
SRM- Screen- 2 for entering details of securities
Cursor Value to be typed Action

Position
Enter Option Type “A” F4
Security Code Press F2, Select by pressing Shift +F4 F11
Security Press F2 for viewing the list of security F11

Group groups. Select appropriate item by pressing
‘Shift + F4’
Security Press F2 for viewing the types of security F11
Class classes and select appropriate class by
pressing ‘Shift +F4’
Ceiling Limit Enter the ceiling on the drawing power F11
against the security. In respect of Money
Equity, this amount shall be 60% of the
sanction limit.
Margin The margin percent appears by default as F11
227
Percent per scheme. If it needs to be amended, you
can do so (if you want to change the default
value, press “control + f’ or delete the field
fully and enter fresh value)
Nature of Press F2 and select appropriate item by F11
Charge pressing Shift + F4.
Received Mention the date of receipt of the security F11
Date
Due Date Leave Blank. This is applicable only in case F11
of CC against stocks
Apply Penal In case of limits secured by stocks/ book- F11
Intt debts enter ‘Y’, otherwise enter ‘N’
Remarks Enter Remarks if Applicable (May be, we F11 twice
can say, check for other securities to
indicate that this is not the lone security)
Dnm no In case of loan Agst FD mention the FD
number
Frequency Applicable to CC against STOCKS / Book- F11
Debts.
No. of units Enter the no. of shares F11
Security Enter the value in case of all securities F4
Value except for Shares. For shares, the value
would be automatically calculated through
weekly uploads of NSE Rates
Prim / Colla Enter P for primary / C for Collateral F11
Enter Option Enter ‘C’ F4
228
229
SRM- Screen- 3 for entering details of charge.

Position
Enter Option Type “A” F4
Charge Enter the amount appearing in the loan F11
Amount documents.
Date of Regn Enter the date of registration F11
Reg.Auth Enter Name of Reg. Auth. Ex. Reg. Of F11
Comp, Sub-Registrar etc
Address Mention address of the registrars F11
Charge Instmnt Enter mortgage deed / hypothecation F11
agreement / memorandum of pledge
etc.
Date of Filing / May be used in case of Companies, F4
Receipt etc. where charge is filed with Registrar Of
Companies
Option Type “S” F4
Cursor moves back to screen no-2
230
231
SRM - Screen –4 details of insurance.
1) In the option code type ‘N’ and press F4 for moving over to Screen-5.
232
SRM – Screen – 5 (Insurance details)

Insurance Type Press F2 list of types of insurance shall F11
be available. Select the appropriate
type by pressing ‘shift + F4’
Insurance Ref. Enter the Policy No. F11
No.
Company Enter details of insurance Company, F4
Name & Addr. / policy amount etc
Goods
Insured/Policy
Amount
The cursor goes back to the screen no. 4. Now in the option field enter ‘S’ and
press F4.
The cursor goes back to screen No.2.
233
Now enter ‘P’ in the option field and press F4 for moving to screen no. 6.
234
SRM –screen no-6 (Inspection details)
In the option code, type ‘A’ and press F4. The cursor moves to inspection type
field. Press F2 and select appropriate item. Now press F11 for moving over to
next field. After entering details in all the fields, press F4. The cursor moves to
option code. Here type ‘S’ and press F4 for going back to the screen no. 2. Now
press F10 for committing the record.
235
Verification of the SRM records:-
After committing the record, the security details have to be verified by

manager / a person authorized to do so. For verification, the function code is
“V” in the screen no.1. The verifier has to visit all the screens visited by the
maker of record, before committing verification.
DO’S & DON’TS – SRM SCREEN
Do’s
 Always Enter 60% of Money Equity Loan as the Ceiling Limit in respect of
each and every Scrip.
 Ensure that Margins appearing confirms to Sanction terms
 In Insurance Details Screen, always give Name of Insurance Company
and the Expiry Date of the Insurance. This will help in finding out
policies getting time barred.
 Always mention the number of Shares in the ‘No of Units’ block.
 Whenever, customer approaches for release of shares, make appropriate
changes before releasing the same.
 Recover Charges through TM Option for substitution of security.
Don’ts
 Never Change Share Price without proper Approval
Note
 For Navigating between screen’s in SRM, always return to the Security

Details Screen first and thereafter return to any other screen. Whichever
screen you may be in, Press F4 for going to the Option Block and Type ‘S’
and Press F4 for going back to the Main Screen.
 If there are more than one security for a single loan, you can Add one
after another by entering ‘A’ in the Option Block of the Main Screen.
236
Term loans
Flow of screens for opening a Loan Account
1st Screen – OAAC

237
2nd Screen – OAAC (General Details)
Account Name, Account Short Name, Account Open Date, Account Report
Code, Collect Charges, Turnover Details, Relative to Staff and Exception
Details will be populated by default. Do not change them unless
otherwise required.
Steps involved are mentioned in the next page
238
Steps for the 2nd screen
Cursor Position Value To be typed Actio
n
required
required
later than BOD
pressing shift + F4
pressing shift + F4
pressing shift + F4
Limit (Dr)
(Dr)
(Dr)
Code
+ F4
239
3rd Screen – OAAC – General Details

statement
collection
Collect Interest Enter Y F11
(Dr / Cr)
(Dr / Cr)
code.
240

Freq Dr
Next Int.Calc.Date Dr Plese leave the default value F11
unchanged
241
5th Screen – OAAC
Steps for the 5th screen in the next page
242
Steps in the next page
Cursor Position Value To be typed Actio
n
Option Code Enter S F4
Credit File No Key in the file number of the client F11
Review Level Press F2, select from list by pressing Shift +F4 F11
Review Authority Press F2, select from list by pressing Shift +F4 F11
Hold in Operative If installment is recovered through operative F11
Account for amount account, ‘Y’ otherwise ‘N’
due
Repayment Method E – This means in case of insufficient funds in F11
the operative account, installments would be
recovered to the extent of funds available
Repayment Currency Leave Blank- Applicable for foreign currency F11
rate Code loans
Operative A/C No Enter the account number from where interest F11
and instalments are recoverd. (If hold in
operative account is ‘Y’, this field must be
filled in)
Related Deposit A/C Enter the deposit account number on which F11
No there is no lien. If this deposit account is
closed, the system will generate exception
Ack of Debt Start Default value would be “L” Do not change it F11
Debt Enter the date of security documents or Latest F11
Acknowledgement revival letter, whichever is latter.
date
Margin % Enter the margin as per sanction F11
Repayment Period Months / Days (Ex. 60 / 00 F11
Priority Loan Y for Priority and N for Non-priority F11
Transfer in A/C N F11
Debit intt. To loan a/c L (interest shall be debited to loan account) F11
Valuation required Leave blank F6
243
Screen-6 – OAAC
In this screen, values are populated by default. User not to key

in any details unless otherwise required.
Press F4 for moving over to option code, there press ‘I’ for going
to Screen-7.
244
7th Screen – OAAC – Interest Details

Position
10th Screen No changes to be made F4
Option Code H F4
245
Steps in the next Page
246
Cursor Value To be typed Actio
Position n
value
be fully repaid.
repaid
Description
Authority
sanction
247
Screen No – 9- Steps to be followed
Position
Remarks Enter remarks if any F4,
pause
and
press
F4
Option Code D F4
248
Screen No- 10. Steps to be followed
Cursor Value To be typed Actio

Position n
Flow Id Enter DSBMT( or, press F2, select by pressing shift F11
+ F4)
Date Enter the Date on which disbursal would be made F11
Amount Enter the Amount to be disbursed. If there are F11
more than one disbursals on same or different
dates, it can be stipulated here.
Remarks Enter the disbursal purpose for ex: registration F11
charges / cost of land / etc
Delete In case there would be only one disbursal, Press F4.
Otherwise, Press Control + Down Arrow
Flow ID Repeat the above steps, mention details of second F4
disbursal, 3rd disbursal….. last disbursal etc
Option Code E – repayment schedule F4
249
11th Screen – OAAC – Repayment Schedule

Position
Flow ID Enter ‘PRDEM ‘(or press F2, select by pressing F11
Shift + F4)
Start Date Date on which first installment would fall due F11
No No of installments F11
Frequency M/ / /10/N F11
Amount In case of EMI, do not enter any value. This F11
would be calculated by the system
Delete Press F4
Option Code Do not change the value here F10
250
Screen No – 12 showing the account number
251
Regular NCD , MIBOR Bonds , Preference Shares
In Finacle we do not have a module investments. However, through some modifications,

some of the income generating features of these assets are captured in the set up. The
appropriate codes for these products are :-
CLNCD NCD
CLMBR Mibor Bonds
CLPRS Pref Shares
Whereas both NCD and Mibor Bonds earn interest, in case of preference shares,
dividend replaces the interest. The income set up in Finacle is as under.
Particular Interest Set Up

NCD 1. In the interest field, contractual rate to be mentioned
2. Interest shall not be debited to the account
3. On the calendar quarters, interest accrued is debited to
interest accrued and credited to interest receivable
4. Upon receipt of the interest, through TM, the above accounts
are to be adjusted.
Mibor While setting up the account, one Mibor Bond accunt and one OD
Bonds account are opened. Both these accounts shall carry the same interest rate
code.
The OD account has to be mentioned as the operative account in the
MIBOR bond account
Day- 1:-
upon execution of interest calculation, interest on the Bond is debited
to one office account. The OD account does not have any debit
balance and hence it wont get any debit for interest
Day- 2:-
demand satisfaction for the Bond is run. Upon executing this, the
interest for Day 1 is transferred from the Office Account to OD
account.
After transfer of the interest to OD account, the OD account gets into
debit balance.
Now interest for Day- 2 is run for both Bond and the OD account.
Similar to Day-1, interest on the Bond for day 2 is parked in the
Office Account. The interest on the Bond for day-1 lies in OD and on
Day-2, it earns interest again, thus accomplishing the purpose of daily
compounding
252
Day-3:- The steps at Day-2 are repeated in the same sequence
Day of maturity :-
In case the Bond remains unpaid, it would attract penal interest at
the rate of 2% over and above contracted rate.
CARE !
The OD account attached to the MIBOR Bond is a special accout

wherein cash transactions are prohibited and cheques cannot be
issued on this account.
Please do not open customer accounts under this head.

Pref These are treated as Zero Rate Loans.
Shares As and when Dividend Is received, it is credited to the Dividend On Pref.
Shares Account directly through TM
Other Common Features
Put / Call Match It With Account Review Date in the option – H

Option
Subscriptio May be stipulated in the disbursal schedule
n Date
Redemptio Stipulate in the repayment schedule
n
Monitoring This is not available. This has to be manually monitored
of Floor
Rate For
MIBOR
Bonds
253
Lien
In Finacle, lien can be marked on a deposit account or on a OD Account for

securing another loan account. Lien can be marked through two options – (a)
ALM menu or (b) SRM Menu. Upon marking the lien, the available balance in
an account gets reduced by the lien amount. The available balance is the
balance available for withdrawal and it is different from the book balance.
Book balance can be more than the available balance.
In the ensuing paragraphs we explain methodology for creation of lien

through SRM. For present, lien creation through ALM is not dealt with.
Marking lien through SRM:-
Please refer the SRM module of this book. If we take a deposit account as
security, we have to mention the deposit account number in the SRM. Upon
verification of the SRM, system creates lien on the Deposit to the extent of
the value of security mentioned in the SRM.
Lifting lien on the Deposit :-
In order to lift the lien, we have to go to SRM, make the value of security as
NIL. Upon verification of the SRM, the lien on the Deposit gets vacated.
Lien Inquiry :-
In the ACI menu, select T option for viewing lien details.
Precautions :-
Upon extension or renewal of the deposit account, lien does not get
carried forward. A fresh lien has to be created by modifying the lien
account number in the SRM.
Further following steps may be followed to avoid accidental payment of the

deposit even though lien is marked.
Specify the Loan A/c No : The User should specify the Loan Account
Number when any Loan Against the Fixed Deposit is being granted. This can
also be done through the ACM Mode.
Specify the Repayment A/c No : The User should specify the Loan Account
Number when any Loan Against the Fixed Deposit is being granted. This can
also be done through the ACM Mode.
Regularise Lien Amount on Maturity : Indicates whether on maturity date
the proceeds of the Fixed Deposit should be credited to the Loan / Overdraft
Account. If said ‘Y’ the proceeds will be credited to the OD / Loan Account
whereas if the same is said as ‘N’ the same will be renewed.
254
In the next few pages screens are given showing the fields where appropriate
account numbers and values may be given
OAAC – FD Opening – Scheme Details (1st Screen)
255
OAAC – FD Opening – Scheme Details (2 nd Screen)
Options available are :

- Through ALM : Key in the Lien Amount and the Lien
Reason. Press F10
- The same should be verified.
The above function can also be done through SRM – through the Add Mode.
The Lien Account Details, Ceiling Limit and the Value of the Security should
be attached to the Loan.
256
The lien history can be seen from the ALM – (H) history option which as
follows:
The indicators seen on the right side of the Lien Amount are as under:
M – Marked Lien – when Lien has been created

R – Release of Lien – when Lien has been released partly / fully
G – General Modifications e.g. Changing of Expiry Date
Note
- Lien can also be marked in Clearing or in Flexi Fixed
Deposit (FFD Scheme) by way of carving lien marking
on the cheque or the amount of sweep in balance.
- The Lien Enquiry can be done through ACM –

Screen T and through ALM. However, it should be
noted that if security is linked through SRM, the same
is seen in ALM only through the Inquiry Mode. Hence,
it is advisable that the User should always visit ACM
and find out the details.
257
ACCOUNT LIMIT HISTORY MAINTENANCE
Option: ACLHM
Sanction limits and drawing power can be allotted to an account at the time
of its opening in the option – ‘H’. Subsequent to opening of the account, if
the limits or drawing power needs to be modified, the same has to be
effected through the option – ACLHM. Some of the major features available in
this option are :-
1) Sanction can be given effect from a future date.

2) Date of expiry of the Sanction Limit can be mentioned.
3) Grace period after which Penal Interest to be charged can be defined.
4) In case of Limit Level Interest, rate of interest can be defined.
5) Inquiry of Sanction Limits / Drawing Power of an account
6) Cancellation / Modification of the Sanction Limits / Drawing Limit
This menu has a maker and checker concept. It has to be verified before
taking effect.
Modes Available And Functions
Mode Functio Application

n
M Modify Modification of the particulars of sanction / drawing
power
L List Find out account of a customer based on short name /
Customer ID / Scheme Type / Scheme Code etc
V Verify. Verification of sanction limit / drawing power
X Cancel Cancellation of limit
I Inquire Inquiry of limit
5.0.1.1.1.1.11
5.0.1.1.1.1.12 MODIFICATION OF SANCTION LIMITS
In the menu option type ‘ACLHM’ and enter for going to the screen-1.
- The ‘Status’ Field is applicable only for ‘Inquire’ or ‘List’ Mode
- In ‘Modify’ Mode it should not be entered. In ‘Verify’ and ‘Cancel’ Mode
only Function and Account Number have to be specified
258
ACLHM – Screen –1 selection of function.
Cursor Position Value To Be Typed Action

Function Enter “M” for modification F4
A/C No. Enter the account number for which the F4
sanction / drawing power is to be
amended
Operation Enter ‘S’ or ‘D’ for choosing sanction limit F4
or drawing power
Option Enter ‘A’ for granting additional limit and F4
‘M’ for modifying the existing limit.
Cursor moves over to screen no.2
Note : The fields Applicable Date, Event and Status should not be entered if
you are in modification mode. These fields are applicable only for inquiry
mode.
259
ACLHM- Screen –2 ( Adding new limit to account)

Applicable Date Enter the date from which the limit is F11
sanctioned.
Sanction limit Enter the limit sanctioned F11
Limit level interest flag Enter ‘N’ if interest rate to be charged is F11
same as that mentioned in the Account at
the time of opening.
Enter ‘Y’ if interest on the limit is different
from what has been mentioned in the
account
Supercede Field Enter Y if the limits now sanctioned F4
supercede all the existing limits or N if
this is in addition to existing limits
Sanction Date. Enter date of sanction, expiry of the limit, F11
period after which penal interest is to be
applied, date of documents, date of
review etc.
Security Description Describe the security in brief F11
Remarks Column Mention remarks as applicable F11
Sanction Level. Press F2, select appropriate sanction level F11
by pressing ‘Shift + F4’
260
Sanctioning Authority Press F2, select appropriate authority by F11
pressing “Shift + F4”.
Sanction reference Mention the reference no. of sanction F4
letter of Corporate Office
Cursor moves back to screen-1
Verification of sanction limits entered through the ACLHM option:-
In the Screen – 1, in the function mode enter ‘V’, press F4. Cursor moves to
Account No. Key in the account number and press F4. Details of additions /
modifications pending for verification shall appear in the screen no-2. In the
option field, type ‘V’ and press F4 for seeing the details. After satisfying that
the details are correct, press F4 and F10 for confirming verification.
Please Note : In the verification mode modification of any detail is not

possible. In case any detail is incorrect, then the same user who has created
the limits has to choose ‘X’ for canceling the modification / addition.
The Other Options available to the User apart from the Add (A)
Option are :-
Mode Function Usage

C Copy Copying existing limit particulars to another limit. This
option can be used when the details of additional
limits are same as that of the existing limits.
D Delete If in any account limit has been erroneously entered, it
can be deleted
F Component To see the break up of the limits available and
of Available outstanding balance.
Balance
I Inquire To make an inquiry
M Modify To modify the existing sanction details
V Verify Verification of the limit details already entered
W Withdraw Withdrawal of sanction limit from the BOD date.
Withdrawal with effect from a future date is not
possible.
X Cancel For canceling any limit before verification is done
Allocation Of Drawing Power Through ACLHM
In the screen-1 above, type ‘D’ instead of ‘S’ and press F4.
The cursor moves to option field wherein, type ‘A’ and press F4. The cursor
moves over to screen no. 3.
261
ACLHM- Screen-3 For Entering details of drawing power.

Applicable date field Enter the date from which the DP would F4
be effective
Drawing Power Indicator Type ‘D’ if DP is derived from securities. F11
Normally incase of secured retail loans it
is derived from securities.
Drawing Power % Default value is 0.00. Leave it unchanged F11

Limit ID Please Do Not Enter Any Value Here F11
Drawing Power Please Do not enter any value here. Upon F11
linking the account to Security, drawing
power will automatically be updated
DACC limit Default value is 0.00. Leave it unchanged F11
Percentage Default value is 0.00. Leave it unchanged F11
A/C recalled flag Enter ‘N’ (to indicate that the account is F11
not recalled)
Remarks column Enter remarks if any F4
Cursor moves back to screen no-2. Now Press F10 for committing the record
262
5.0.1.1.1.1.13 Verification of the Drawing Power Details
Drawing power added / modified has to be verified by a person other than the
one who has entered.
5.0.1.1.1.1.14 Flow Chart Of ACLHM
ACCOUNT LIMIT HISTORY MAINTENANCE (ACLHM)

Options available are M (Modify), L (List), I
(Inquire), C(Copy), V(Verify)
Entry by Maker & Verification by Checker
SANCTION LIMIT DRAWING POWER
A – Add A – Add
C – Copy C – Copy
D – Delete F – Components of
I – Inquire Bal
M – Modify I – Inquire
V – Verify M – Modify
W – Withdraw V – Verify
X – Cancel C - Cancel
263
Limit Nodes In Finacle.
While opening the accounts under Money Equity, Overdraft Against FD,
Money Home etc, we saw that the account derives drawing power from
the SRM. One important factor to note is that in SRM, we can link only
one account, repeat only one account to a security. While this is fairly
adequate to manage the limits in respect of retail assets, you may find
it deficient to serve certain important requirements such as
1. Managing two or more accounts with drawing power deriving

from the same security.
2. Interchangeability of limits among different accounts.
3. Monitoring the overall exposure to a single client / group of

clients.
4. Exposure to a select commodity / security.
Here comes a tool called Limit Node Maintenance which helps you to
build these requirements in the limit management
Limit Node Concepts.
Limit nodes are used to group accounts under one node to enable easy
monitoring and organization. A limit node can be linked to a security
for deriving drawing power. Distribution of overall group (group may be
a group of clients or a group of accounts) limits to individual members
(members may be accounts or clients) is possible through creation of
Parent Nodes and Child Node. It would be interesting to note that limits
of every child node can further be distributed to group of accounts or
clients. This is diagrammatically explained in the next page.
The diagram represents the limits sanctioned to a client with the

following conditions
Facility Particular Limit(Rs.Lakhs Remarks

s )
Funded 1 Term 200 Total of 1 to 4 not to
Loan exceed Rs 500 Lakhs & 2
2 WCDL 100 to 4 not to exceed Rs.300
3 CC 150 Lakhs
4 BP 150
Total Funded Facilities 500
Non-Funded 1 LC 300 Total Non Funded not to
2 BG 300 exceed Rs 500 lakhs
264
Total Non- Funded Facilities 500
Gross Exposure 900 Total of Funded and non
funded not to exceed Rs
900 Lakhs
265
Control Of Limits through Nodes
Parent Limit. (This is the

overall limit for the
individual client)
This limit has to be set as

equal to the sanction limit.
Fund Based Rs Non Fund Based

500 Lakhs. This Rs.500 Lakhs.
limit has to be set This limit has to
as equal to the be set as equal
sanction limit. to the sanction
Term Loan Working LCs BGs

Rs200 Capital Rs300 Rs300
Lakhs. Rs.300 Lakhs Lakhs
Derived Lakhs Equal to Equal to
from san limit san limit
(equal to
Securities
WCDL CC- Bills

100 Stocks/BD Purchased
Lakhs 150 Lakhs Rs150
(Set (Set Lakhs
Equal to Derived) Set Equal
san) to San.
266
SRM
Some times it would be

difficult to judge how to pass
on DP to an account.
Should the account be linked Account Is it

to SRM directly ? stand Yes
(Start) alone ?
Should the account be linked
to Limit Node first and the
Limit node linked to SRM
No
Whenever these doubts
arise, follow the flow chart
and decide how to link the Limit Node
account
What is
the
nature of
the
multiple
accounts
There are multiple There are multiple limits

limits which are but they are not
interrelated in terms of interrelated in terms of
any of the following any of the following
1. Common Security 1. Common Security
2. Interchangeabilit 2. Interchangeability
y 3. Ceiling on overall
3. Ceiling on overall limits
limits
267
Procedure for setting up limit nodes.
In the menu box, type ‘LNM’ and press enter for moving over to the following screen
Steps To Be Followed :-
Cursor Value to be typed A
Position c
t
i
o
n
Function A T
Block a
b
Limit ID In the first block indicate the last 8 digits of the account F
number 4
In the second block select the suffix by pressing F2 first and
Shift +F4 on the appropriate item
Description Mention the name of Account to be related to the Limit Node T
a
b
Currency Mention the currency code- Except for the Foreign Currency T
Code Loans, this would be ‘INR’ a
268
b
Customer ID Mention the customer ID of the account T
a
b
Parent Limit Mention the Parent ID T
ID a
b
269
Drawing Situation V Tab
Power a
Indicator l
u
e
DP is derived from a parent P
DP is equal to the sanction. E
Normally this is true for apex
limits which control overall
limits
DP is derived from independed D
security
DP is manually maintained M
Drawing This needs to be filled in only when the DP Tab
Power % indicator is ‘P’
DP margin Don’t Enter any Value. Tab
retained
Limit San / Mention the dates of sanction and expiry Tab
Expiry Date
San. Level Press F2, select by pressing Shift +F4 Tab
Code
San Press F2, select by pressing Shift +F4 Tab
Authority
Single Tran If the limit is valid for a single transaction, ’Y’ Tab
otherwise, ‘N’
Remarks Mention remarks if any F10
Now the Limit Node has to be verified by appropriate authority for making it effective.
Case Study :-
Company –Trainee No- has 2 interchangeable limits – (a) CC – Stocks
(b) WCDL. Other details are as under:-
Particulars Amount
CC limit Rs50 Lakhs
WCDL Limit Rs 50 Lakhs
Security Stocks – Rs 80 Lakhs
Book Debts-Rs90 Lakhs
Margin Stocks –25%
Book-Debts –40%
Covenants Drawings against book debts not to
exceed Rs30 Lakhs
Total Funded Limit not to exceed Rs
80 Lakhs
You are required to set up the limits and test the accuracy of the set
up.
270
Temporary Over-Drafts – When Created ?
While Posting While recovering

Application of
Interest
Transactions, if loan instalmentsif
funds are not Operative A/C has
System Created adequate, system insufficient funds,
Single Transaction would create TOD system creates
(IC) and pass TOD
Fall In value of While Posting

security. Back Dated
System Created OCCASSIONS FOR Transaction /
Single CREATING TOD Reduction in
Transaction (DL) limit with
retrospective
effect (OC)
If (a) OD / CC account
TOD can be
is linked to FFD User can grant
granted at the
account, and (b) on time of execution the TOD through
the day of withdrawal of Standing option-TODM
funds are insufficient, Instructions /
TOD would be created. Inward Clearing
On the date of expiry (IN) (UG Type)
of TOD, FFD would be
split up and TOD
271
TEMPORARY OVERDRAFT
TOD is a credit decision and naturally, is normally conscious. Whenever

the user debits a loan account, Finacle checks for (a) Sanction Limit
(b) Drawing Power and allows the debit if the balance post debit would
be within Sanction Limit / Drawing Power whichever is lower. In case
the post debit balance would exceed the same, the system would warn
the user by throwing exception that ‘ funds are insufficient’. Under
such circumstances, the user has to grant TOD and allow the debit. In
effect, the system provides a tool to avoid accidental and unintended
TOD in the hands of the authorizer.
It would be now appropriate to envisage that while running the batch

jobs such as application of interest, standing instructions etc, the
system could face with such situation. While running batch jobs, there
is no scope for the system to analyse case to case and grant TOD. This
calls for enabling the system to grant TOD upon the occurrence of
certain predefined events so that posting of system generated entries
such as interest calculation etc does not get stalled.
As the events for TOD in the diagram shows, there can be 5 occasions
for granting system generated TOD. However only the following two
system generated TODs and one User Generated TOD are enabled.
Event Mode
Type
IC Interest Calculation Single
DL Drop In Limit Single
UG Uger Generated Single / Running / Adhoc
Examples of Mode
Mode How Operates

Single (S) Applicable for specific Purpose and use once only
Ex-TOD – Rs 5 Lakhs granted for period 01.01.01 to

10.01.01. Client utilizes it on 02.01.01 and on
03.01.01 remits Rs 2.50 Lakhs. Balance Rs 2.50
Lakhs cannot be used again
Running Allows the client to operate within the TOD for the
defined period
Adhoc Allows the client to operate within the TOD for the
defined period
If both Running and Adhoc serves the same purpose, why both are
necessary?
272
The system counts the number of TODs in an account. In case the
cumulative number is higher than predefined number (which is 1 per
day at present), the system throws exception. All TODs under
‘Single’ and ‘Running’ type are eligible for counting. However, Adhoc
is not included for this purpose.
The menu and the fields for creating user granted TOD is explained
below:-
In the menu option type ‘TODM’ and press ‘Enter’ . Above screen
comes up. Make entries as below now.
Position
Function M F11
A/C No Mention the account number for which F4 twice
TOD is being granted
Status & Leave Blank
Event Type
Option A F4
273
Position
Grant Date Date of Sanction of the TOD F11
TOD Level Change the value to N (If it is Y, rate of F11
Intt intt for the TOD would be what is defined
here. If it is ‘N’, whatever is applicable
to regular limit)
Advance Amount of TOD granted F4
Amount
Expiry Date Date on which the TOD expires F11
Penalty Date Date from which penalty has to be F11
applied
Advance ‘A’ for Adhoc, ‘R’ for running and ‘S’ for F11
Type single
Advance Cat ‘C’ for Clean and ‘N’ for secured F11
Normal Intt In case TOD level Flag is ‘Y’, mention the F11
normal interest rate for the TOD
Penal Intt In case the TOD level flag is ‘Y’, mention F11
the penal interest rate for the TOD
Permitted By ID of the Sanctioning Authority F11
Remarks Mention the reasons for sanction of TOD F4
274
Cursor goes back to the 1st screen. Now press F10 for committing the
record
Now the record has to be verified. The verifier has to invoke the same menu –
TODM and opt for ‘V’- verify mode. Account details have to be entered and
upon pressing F4 the details of TOD would come up. In the Option Code Box,
do not enter any value and press F10 for committing. Following screen would
come up showing exceptions if any. Now press F4 for accepting the
exceptions
Change of status to regularized
This is a batch job executed at the time of EOD. All TODs which
expire on a date shall be marked as regularized / irregular
depending upon the status of repayment.
Further, if there are multiple overdrafts of different types, the recovery is

treated as for regularization of TOD due for regularization in the following
sequence.
i. Due Date
ii. Single Clean
iii. Running Clean
iv. Adhoc Clean
275
v. Single Secured
vi. Running Secured
vii. Adhoc Secured
Application of Interest:-
The system has a bias in favour of client – Outstandings are covered

in the following sequence.
Priorit Limit Type Pref Within the Limit Pref

y
1 Regular limits Limits with Penalty 1
Rate Not Reached-
Limits with penalty 2
rate not reached
2 All TODs, Limits with account 1
whose penalty level interest
dates are not Limits with limit level 2
reached interest, in ascending
oreder of normal
interest
3 All TODs, Limits with account 1
whose penalty level interest
dates are Limits with limit level 2
reached interest, in ascending
order of normal +
penal interest
276
INTEREST CALCULATION FOR LOANS & ADVANCES
Interest Concepts
In Finacle, two types of interest rate codes are maintained. These are (a)
Base Interest Code and (b) Differential Interest Code. The differential interest
codes give the sum of base interest code and spread. Interest calculation is
always through the differential interest code.
How to identify the Base Interest Code and Differential Interest Code
?
While opening the account, in the field for interest, press F2. Following
screen giving List of interest codes available will come up
The last column – ‘Base Ind’ mentions the status of the code. If it is ‘Y’, it is a
base code. If it is ‘N’, it is a differential code.
Base Interest : This is a reference rate from which the ultimate rates
applicable to the account are derived. STPLR, LTPLR, WCPLR are all base
rates. Base rates should not be linked to any account
277
Differential Interest : This is a rate which is charged over and above the
Base Rate. Depending upon the type of account, amount, period, customer
etc. Interest codes are designed to indicate the final interest that would be
applied upon selecting the code. The following will explain :-
Table Rate Applicable to client

Code
L100 LTPLR + 100
L200 LTPLR +200
S100 STPLR +100
S200 STPLR + 200
W100 WCPLR + 100
W200 WCPLR +200
These Interest Codes can be linked to the Account.
The Interest Table Codes linked to Prime Lending Rates are available for the
range PLR +0.00 to PLR + 4.00 Percent at incremental slabs of 0.25 Percent.
If any client has to be charged differential / spread which is not a multiple of
0.25 Percent, the same is to be defined through Account Preferential Interest.
Following example clarifies the position:
How much How to Mention it During Account Opening

Interest to be (OAAC)
Applied
Interest Rate to be Interest Table Account Net Interest
applied to be selected Preferential
LTPLR + 200 Basis L200 0 LTPLR + 2%
Points
LTPLR + 210 Basis L200 0.10 LTPLR + 2.10%
Points
LTPLR + 220 Basis L225 (-) 0.05 LTPLR + 2.20%
Points
Flat Interest Rate : In case Flat Interest Rate is to be charged to any

account i.e. which is not fluctuating in nature (having no impact on changes
in PLR), the User has to select (by pressing F2) during Account Opening
(OAAC – Screen for General Account Details – Field – Interest Rate Code) the
specified Interest Rate Code e.g. If Flat Interest Rate is 16.50%, the User has
to choose Interest Rate Code 16.50.
Flat interest rates are available for the range 5% to 20% at incremental rate
of 0.25%. i.e., 5.00%, 5.25%,5.50%, ……..19.25%, 19.50%, 19.75% and
20.00%
Penal Interest Rate : Penal Interest has been loaded at the rate of 2% per
annum in all Interest Tables in case of Overdues / Excess Drawings and delay
in submission of Stock Statements. Hence, Penal Interest will be
automatically applied.
278
Modification of interest after opening of account
Interest codes can be modified at the time of opening an account in the

option ‘G’. After opening of account, if interest is to be modified, it has to
be done through the option
These may be modified through Menu Option INTTM. In the menu option,
type INTTM and press enter. Following screen comes up.
Cursor Position Value to be entered Key to be

pressed after
entering the
value.
Function M (for modify) F11
A/C / Bill / Disb A F11
A/C Number Key in the A/C Number, for which F4
interest code would be changed
Interest Table Code Press F2, select appropriate code F11
by pressing shift + F4
Customer Enter the preferential if any F11
Preferential Dr) approved
Account / Bill Account preferential if any F11
Preferential approved
Is intt pegged Enter Y or N as required F11
279
Pegging Frequency If Intt Pegged Is ‘Y’, this field has F11
to be filled in. Or else, leave it
blank
Start Date Give the Date from which the F11
new rate would take effect
No of days Mention the no of days after F11
which penal intt would be
effective
End date Mention the date upto which the F10
code will be valid
Verification of INTTM
Any modification done in INTTM has to be verified by a person authorized

to do so. Unless verified, the modification will not be effective
280
INTEREST CALCULATION
Interest Calculation on Loans / Advances has been divided into the

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

much interest he has to pay for closing the account.”
281
2.
BOOKING OF INTEREST
- booking is the process of recognizing the interest
liability as on a particular date
- Transactions passed will be
Dr Interest Receivable A/c
Cr Profit & Loss A/c (Interest Received A/c)
- booking for the accounts is done through ACBOOK
- when the user invokes booking, system will accrue the
interest till the date requested, get the interest
accrued figure since the last booking done and
generate booking transaction
- booking can be done even without doing the accrual
- in booking menu we can either book the Interest as on
any date to arrive at the actual profit and loss position
but not account the same. In order to achieve this, the
user has to indicate a value for the field ‘Booking for
Reversal’ as ‘Y’
- user has key in the ‘Service Outlet’, ‘Report to’, ‘From
‘Print Required’ as Y/N, thereafter he has to press F10
ACBOOK Screen
282
283
3. COLLECTION OF INTEREST
- actual process of interest collection from the Customer

- ACINT is the menu for calculating Interest for all
customer accounts
- The transaction generated during ACINT is:
(a) If ACBOOK has been executed for the account:-
Dr Loan A/c
Cr Interest Receivable A/c
(b) If ACBOOK has not been executed for the account:-
Dr Loan A/C
Cr P/L Interest
- Interest calculation can be done in Adhoc mode or in
actual mode
- User to key in the ‘Service Outlet’, ‘Report to’, ‘From
‘Print Required’ as Y/N, thereafter he has to press F10
ACINT Screen
284
CLOSURE OF ACCOUNT
Menu Option – CAAC
Before Closing an Account, see whether :
- Interest Calculation has been run upto date, if not run the
Interest Calculation from the same screen
- Posting of Transactions from the same screen
- Standing Instructions – to invoke the Standing Instructions. If
Standing Instructions exist and there is no Balance in the
Account, Supervisor has to approve to delete the Standing
Instructions.
- Charges not Recovered (CACC) – see whether any charges are
not recovered from the account – CACC screen gives the list of
unrecovered charges. If not recover the same and proceed to
close the account.
Approval of Closure through CAACAU.
285
Useful Menu At A Glance
Menu Screen Description Used For

Option &
Screen
Name
CUMI – Customer Account List Displays all
Option A Accounts of the
Customer
ACS Account Selection & List Displays all
Accounts of
Customer with
corresponding Bal.
ACI Customer Account Inquiry Displays Static
Data of Account
ACLI Account Ledger Inquiry Displays Account
Statement
ATI Account Turnover Inquiry Displays Account
Turnover
AITINQ Account Interest Details Inquiry Displays Interest
Details of Account
SRM Security register maintenance Addition,
modification,
deletion of security
SRL List of securities attached to
account
Dates of Inspection
Dates of Insurance
LTL List of accounts attached to a
parent node
LNM Limit Node Maintenance Addition /
Modification of
LNM
ACLHM Modification of sanction limits /
drawing power
OAAC Opening of account
OAACAU Verification / modification of
account
INTTM Interest rate enquiry and
modification
TODM TOD maintenance
REPHSEI Rephasement of EMI loan
accounts
LAOPI Overdue Position Enquiry
LARSH Repayment Report
LAGI Loan Account General Inquiry
TODRP TOD Report
LLIR Limit Liability Inquiry
CAAC Closure of Account
286
CAACAU Verification of closed account
LAFM Loan Flow Maintenance
LAFHM Loans Follow up History
maintenance
LAMCM Loans Message Maintenance
LADSP Loan Demand Satisfaction
Programme
CUIR Customer Interest Report
CASE STUDY FOR EMI LOAN

CASE: 1
Mr.S.Ramesh, has been sanctioned a loan of Rs.2.00 lacs as housing loan.

Guarantor for this loan is Mrs.Geetha Ramesh.
Scheme : RLOHE – Retail loan Housing Up to Rs.10.00 lacs.
You are required to DO the following,
 Open a Client Id for Mr.S.Ramesh as per the details given below.
 Please open a savings bank a/c for the above customer and note down
the a/c which a/c should be mentioned at the Housing Loan for
repayment of the loan.
 In the savings bank a/c give nominee also. (Mrs.Geetha Ramesh is the
Nominee for the savings Bank
 Open a housing loan for Mr.Ramesh and find out the EMI.
 Please note that you are required to use your name instead of
Mr. S Ramesh (Principal Borrower) and create the loan a/c
accordingly.
Client Details for Mr.S.Ramesh are given below,
Name of the customer : Mr.Ramesh.S (Principal Borrower)

Address : No.160, Jothi Paradise
Andheri East
Mumbai- 4000069
Phone No (Res) : 8309448
Off : 8561452
EMAIL : s_ramesh@yahoo.com
Passport No : PAS8523
Issue Place : Mumbai
Valid Upto : 31.05.2005
Credit Card No : 4129 0473 8006 8726, Issued by SCB
Financial Details :
Salary Income : Rs.6.00 lacs ( As per Form 16 )
287
Property Asset : Rs.20.00 lacs
Investment in shares : Rs.2.00 lacs
In LIC Policies : Rs.1.50 lacs
Bank Deposits : Rs.0.50 lacs
Other Liabilities :
Share Loan from Stanchart : Rs. 1.00 lac
Net Worth of the customer : Rs. 29.00 lacs
Name of the Guarantor : Mrs.Geetha Ramesh
Address : No.160, Jothi Paradise
Andheri East
Mumbai- 4000069.
Phone No Res : 8309448
Off : 8529561
Passport Number : PAS8571
Issue Place : Mumbai
Valid Upto : 31.05.2005
Credit Card No : 4129 0473 8006 8726 , Issued by SCB
Financial Details :
Salary Income : Rs.2.00 lacs ( As per Form 16 )
Investment in shares : Rs.1.00 lacs
In LIC Policies : Rs.0.50 lacs
Bank Deposits : Rs.0.50 lacs
Other Liabilities : Nil
Networth : Rs.4.00 lacs
 Please note that there is no customer preferential interest for the

above customer
Loan A/C Details :

1. Account Relation Manager : Mr.S.Subash.
2. Pass Sheet to be given every quarter.
3. Credit File Number : 123
4. Review Level : Branch
5. Operative A/C number : Savings A/C number of the
customer
Loan Amount Sanctioned : Rs.2.00 Lacs

Sanction Date : 13.05.2000
Expiry Date : 13.05.2015
Document Date : 13.05.2000
Review Date : 13.05.2005
Sanction Level : Branch
Sanction Authority : Branch Head
Sanction Reference : HLA/15/2000-2001
Rate of Interest : 13.35 % pa
Loan Disbursement Details : Loan to be disbursed on 13.05.2000

(Please note that assumption has been made that for this date BOD has
been run in the system).
288
Disbursement to be made by issuing a payorder in Favour of “ HUDCO”.
Repayment Details : Loan is repayable in 15 YEARS.
Processing Charges : Please debit processing charges of 0.50 % of the

loan amount to the loan a/c.
Please create the above loan a/c and generate repayment schedule report for the
same.
Case Study For OD against Fixed Deposit

Case : 2
Mr.S.Ramesh , has placed a Fixed Deposit of Rs.1.00 lac for period of ONE
YEAR with our bank. Now he has approached the Bank for sanction of a
overdraft of against this Fixed Deposit to the tune of Rs.0.80 lac. You are
required to do the following,
 Open a Fixed Deposit for Rs.1.00 lac for a period of one year with the
following details:
Rate of Interest : 10.25 % pa

Nominee : Geetha Ramesh
Scheme : RTCMC
At the time of maturity of the deposit matured amount to be credited

to the OD against FD a/c to be created.
 Open an Over Draft a/c with the following details,
Scheme : RLODT
Sanctioned Limit : Rs.80,000.00
Sanction Date : 13.05.2000
Expiry Date : 13.05.2001
Review Date : 12.05.2001
Sanction Level : Branch
Sanction Authority : Branch Head
Sanction Reference : ODFD/18/2000-2001
Rate Of Interest : 12.25 % pa
Pass sheet to be issued every month.

Interest to be debited to the loan a/c itself.
 Link the deposit a/c opened to the OD a/c created and fix the drawing
power for the OD a/c.
Please generate a report of the Security Register pertaining to the above

OD a/c.
289
CASE STUDY FOR Money Equity
CASE -3:
Mr.S.Ramesh, has been sanctioned a loan of Rs.20.00 lacs under the Money
Equity Scheme. He submits to you following equity shares.
Company Name Security Code Quantity

ABB Equity IA01 5000
HCL infosystem IH01 6000
HDFC Eq IH03 2500
(Scheme : RLSHL )
You are required to DO the following,
Open Money Equity A/C in the name of Mr. Ramesh (You may use your
name instead of Ramesh)
Enter the security details in the SRM and link to the account.
Find out the drawing power of the account. Is it equal to the Sanction limit
? If it is less than sanction limit, why is it less?
Sanction Terms:-
Margins stipulated : 35% on each of the security

Your Bank allows a maximum of Rs.6,00,000 against each equity share.
Other Details:-
1. Account Relation Manager: Mr.S.Subash.

2. Pass Sheet to be given every quarter.
3. Credit File Number : 123
4. Review Level : Branch
5. Loan Amount Sanctioned : Rs.20.00 Lacs
6. Sanction Date : 13.05.2000
7. Expiry Date : 13.05.2001
8. Document Date : 13.05.2000
9. Review Date : 12.05.2001
10.Sanction Level : Branch
11.Sanction Authority : Branch Head
12.Sanction Reference : HLA/15/2000-2001
13.Rate of Interest : LTPLR +400
Case 4 :-
The above Money Equity Borrower substitutes the entire ABB equity
with 1000 Ranbaxy Shares (Security code :IR01). Make necessary
changes in SRM and find out the revised Drawing Power.
290
Case 5:-
One Mr Doubtful created a FD account and OD against FD. While going for creating of lien in
SRM, Mr Doubtful mentioned the OD account Number in the field for lien account number. Now
you are required to advise Mr. Doubtful if the OD account holder can withdraw any amount. If
not, the reasons for it and suggest the corrective steps.
Case 6 :-
While opening a OD account, in the limit details one Ms. Experiment entered the following
details.
Max Debit Balance : Rs.100000

Max Allowable : Rs. 90000
Limit Sanctioned : Rs. 75000
Drawing Power Indicator : D
SRM : Value of security :
Rs.100000
Margin : 20%
Ceiling : Rs75000.
Subsequently, the OD limit was to be enhanced to Rs 85000. Ms. Experiment made following
changes:-
Limit Sanctioned : Rs 85000
After carrying the changes, Ms. Experiment found that the OD account allows drawings of Rs
75000/- only. Can you explain her why the situation is so and suggest the steps to be taken.
Case - 7:-
Rephasement of Term Loan – Case
ABC was disbursed a loan of Rs.8,00,000 under Money Drive. The details are
given below:-
Loan Amount Sanctioned : Rs8,00,000.
ROI : 12% pa
Repayment : 36 EMI commencing one month
After disbursal
Repayment : By client directly
The statement of account shows following transactions.
Date Particulars Dr Cr Balance
01.10.1999 Disbursement 800000 -800000
10.10.1999 Interest 2500 -802500
10-11-1999 Installment 20000 -782500
10-11-1999 Interest 2500 -785000
10-12-1999 Interest 2700 -787700
08-01-2000 Installment 7700 -780000
10-01-2000 Interest 3000 -783000
01-02-2000 Installment 10000 -773000
10-02-2000 Interest 3000 -776000
291
10-03-2000 Interest 3100 -779100
08-03-2000 Installment 4100 -775000
You are required to
1. Open the account under RLMDL as of 01-03-1999

2. Upload the above entries using option LAUPLDMD
3. Find out the overdue amount using option LAOPI
4. Rephase the account using option – REPHASEI.
Guidelines for the exercise:-

Option Remarks.
Opening the 1. In the Option – G, mention the date of Opening as 01-
account 03-1999.
2. In the Option –S, mention ‘Transfer In’ as ‘Y’
3. In the option – U, mention Rs.778000 as the transfer
liability
Uploading the In Finacle, there is provision to upload individual
transactions transactions right from the date of opening an account.
The upload is through option TM

After posting the first transaction, LAUPLDMD has to be
run.
Every transaction in the client’s account has to be

replicated as a transfer transaction.
The contra account for the transaction in live situation

would be the account which is being transferred / an
office account. In the instant case, you may take the
operative account of the client as contra account.
Rephasement In Finacle there is option to rephase in the following
manner:-
1. Increase the repayment period, keeping the

installment amount constant
2. Keep the installment amount constant and
increase the repayment period.
Before rephrasing an account, it is essential to update

the interest.
Case – 8
A Company – ABC Ltd has a FD of Rs 200 Lakhs. The tenor is 2 years.

The Company wants two different Overdrafts - one for its Purchases
Dept and another for its Premises Department. The Company
requests you to permit each of the department to avail upto Rs 100
Lakhs, total limit not to exceed Rs 160 Lakhs. You would like to
sanction the OD. Now you are required to set up two accounts, post
transactions to utilize both the limits to the maximum.
292
Hints :
Set Up Parent limit node for Rs 200 Lakhs – Child to derive 50% each
- Link Limit node to SRM.
Case – 9
Mr. Genuine is your both valuable and reasonable client. The client
enjoys OD of Rs 20 Lakhs against FD of Rs 25 Lakhs. On the date of
maturity of the FD, he approaches you and requests you to renew
both FD and OD. You are inclined to accommodate his request. In the
Present set up upon renewal of a FD, the amount first of all goes to
OD account. Suggest the steps you have to follow for arranging the
renewal of the FD and OD.
Case – 10
M/s Indiscipline Unlimited enjoys Term Loan of Rs 100 Lakhs with

you. It was to create mortgage on its property on 01.10.1999, but
failed to do so. The Co explained you that the NOC from Consortium
Leader is pending. On 01.12.1999 you decided to take the following
course of action:-
1. If Mortgage not created by 15-12-2000, apply penal interest of

1%
2. If Mortgage not created by 15-01-2000, apply penal interest of
2%
How would you set up the penal rates?
Case –11
M/S Unplanned Limited enjoys CC limit of Rs.50 Lakhs with you. The
limits are secured by stocks at 30% margin. For the month of April
2000, it submitted a statement showing net paid stocks of Rs 75
Lakhs. On 15th April 2000 the Company approached you with a
request to grant TOD of Rs 10 Lakhs for payment of sales tax. You
agreed to accommodate the TOD for 30 days, since the absolute
value of stocks cover the drawings. Mr Quicky completed the
formalities of setting up the TOD. In the TOD option, he described
the TOD as secured and adhoc.
The Company’s cheque for Rs10 Lakhs was received on 17 th April

2000 and the Counter Staff informed you that the account shows a
debit balance of Rs50 Lakhs against a drawing power of Rs. 52.50
Lakhs and hence the sales tax cheque cannot be passed.
You are required to find out why the Drawing Power has not
increased even after sanction of TOD.
293
Case -12
The Credit In Charge of your Branch went on leave unexpectedly.

Just two days after You took charge, you receive instructions to
confirm that all the insurance of all the securities are in full force.
Is there any way to find out
the status from the Finacle Software ?
Case-13:-
M/S Idle Limited enjoys the following limits:-
Cash Credit Against Stocks :-

Margin Maximum
Limit
Raw 25% 50 Lakhs
Material
Stock In 60% 25 Lakhs
Process
Finished 25% 75 Lakhs
Goods
Total 125 Lakhs
How would you set up the limit.
Case –14:-
M/S Liberal Limited enjoys limit against book-debts of Rs.100 Lakhs

on the following lines:-
Particulars Margin Maximum

Bood Debts 25% 100 Lakhs
Upto 90
days
91-120 40% 50 Lakhs
Days
121-150 60% 10 Lakhs
Days
Total 100 Lakhs
How would you set up the limit?
294
295
1. Structure of Accounts
2. Scheme codes of Suvidha
3. Events Leading To Transactions To Office Accounts
4. Event Wise Transactions Passed In Finacle – By System And User
5. Office accounts for Scheme Codes
6. Event Wise Vouchers To Be Passed In Cad
7. Reports that can be generated by Users in Finacle
8. Daily Routine To Be Followed By The User
9. Batch Jobs Performed By System
10. Suvidha Fixed Deposited Migrated From Informix
11. How to configure Finalce to PC
296
1.0 Structure of Accounts (Suvidha) in Finacle
1.1 Scheme Codes
Field Purpose Value Meaning

IT123 Scheme Code
IT IT IDBI Term Deposit
1 Category C Client
S Staff
I Inter bank
B Bulk
Z Senior citizen
2 Tenure of the deposit S for Short Term
M for Mid Term
L for Long Term
3 Interest Method S# Simple
C@ Compounding
M Monthly Payout
Q Quarterly Payout
A Annual payout
# All Schemes ending with S under Short Term are upto 179 days
@ All Schemes ending with C under Short Term are 6 months and less than 1
year.
All accounts in Finacle are grouped as under:

All accounts are linked through GL codes such as
10 (Deposit Customers),
32 (Other Liabilities Interest Accrued)
81 (Interest Expenses – Term Deposit)
which are sub-divided tenure wise under GL Subheads.
Field Value
Office Account
XXXABCDEFGHIJK 14 digits
XXX 401 – 417 SOL No
ABCDE GL sub head code
31100 # Inter Office Adjustment Branch A/c
32225 # Interest Booked on – Short Term
32325 # Interest Booked on – Mid Term
32425 # Interest Booked on – Long Term
34600 TDS Due Account
A/c no Description
297
XXX34600010001 TDS Due A/c
37000 Suspense account
A/c no Description
XXX37000010015 FD suspense A/c
XXX37000010025 TDS parking A/c
XXX37000010027 Sundry deposit A/c
50500 Cash Account - Not available for use
75600 Advance Tax
81125 # Interest Expenses – Short Term
81225 # Interest Expenses – Mid Term
81325 # Interest Expenses – Long Term
FG 01 Currency - Indian Rupee
HIJK Running Serial No for each scheme code
Note – #. System only Account – User can not pass any transaction to this
account.
Go to ACLI menu, Press F2 to see the selection criteria and see all the values
and the meaning through List available for various fields.
Field Value
Customer Account
XXXABCDEFGHIJKL 15 digits
XXX 401 – 417 SOL No
GL sub head code
ABCDE 10525 Short Term
10625 Medium Term
10725 Long Term
FGHIJK Serial Number
L Check digit generated by system
298
SCHEME CODES
A. SHORT TERM SUVIDHA DEPOSITS ( LESS THAN 1 YEAR)
A.1: CLIENT ( Utpo 1 Crore)
Sl. Scheme Description
No Code
01 ITCSS IDBI SUVIDHA CLIENT SHORT TERM SIMPLE INTT
02 ITCSC IDBI SUVIDHA CLIENT SHORT TERM COMPOUND INTT
A.2: BULK ( Above 1 Crore )

No Code
03 ITBSS IDBI SUVIDHA BULK SHORT TERM SIMPLE INTT
04 ITBSC IDBI SUVIDHA BULK SHORT TERM COMPOUND INTT
A.3: INTER BANK ( Utpo 1 Crore)

No Code
ITISS IDBI SUVIDHA INTER BANK SHORT TERM SIMPLE INTT
05
06 ITISC IDBI SUVIDHA INTER BANK SHORT TERM COMPOUND
INTT
A.4: STAFF ( Utpo 1 Crore)

No Code
07 ITSSS IDBI SUVIDHA STAFF SHORT TERM SIMPLE INTT
08 ITSSC IDBI SUVIDHA STAFF SHORT TERM COMPOUND INTT
A.5: SENIOR CITIZEN ( Utpo 1 Crore)

No Code
09 ITZSS IDBI SUVIDHA SENIOR CITIZEN SHORT TERM SIMPLE
INTT
10 ITZSC IDBI SUVIDHA SENIOR CITIZEN SHORT TERM COMPOUND
INTT
B. MEDIUM TERM SUVIDHA DEPOSITS ( 1 YEAR TO LESS THAN 2 YEARS)

B.1: CLIENT ( Utpo 1 Crore)
No Code
11 ITCMC IDBI SUVIDHA CLIENT MEDIUM TERM COMPOUND INTT
12 ITCMM IDBI SUVIDHA CLIENT MEDIUM TERM MONTHLY PAYOUT
13 ITCMQ IDBI SUVIDHA CLIENT MEDIUM TERM QTRLY PAYOUT
299
14 ITCMA IDBI SUVIDHA CLIENT MEDIUM TERM ANNUAL PAYOUT
B.2: BULK ( Above 1 Crore )

No Code
15 ITBMC IDBI SUVIDHA BULK MEDIUM TERM COMPOUND INTT
16 ITBMM IDBI SUVIDHA BULK MEDIUM TERM MONTHLY PAYOUT
17 ITBMQ IDBI SUVIDHA BULK MEDIUM TERM QTRLY PAYOUT
18 ITBMA IDBI SUVIDHA BULK MEDIUM TERM ANNUAL PAYOUT
B.3: INTER BANK ( Utpo 1 Crore)

No Code
19 ITIMC IDBI SUVIDHA INTER BANK MEDIUM TERM COMPOUND
INTT
20 ITIMM IDBI SUVIDHA INTER BANK MEDIUM TERM MONTHLY
PAYOUT
21 ITIMQ IDBI SUVIDHA INTER BANK MEDIUM TERM QTRLY
PAYOUT
22 ITIMA IDBI SUVIDHA INTER BANK MEDIUM TERM ANNUAL
PAYOUT
23 IFIMQ IDBI SUVIDHA INTER BANK FLEXI FIXED MEDIUM TERM
QTRLY PAYOUT
B.4: STAFF ( Utpo 1 Crore)

No Code
24 ITSMC IDBI SUVIDHA STAFF MEDIUM TERM COMPOUND INTT
25 ITSMM IDBI SUVIDHA STAFF MEDIUM TERM MONTHLY PAYOUT
26 ITSMQ IDBI SUVIDHA STAFF MEDIUM TERM QTRLY PAYOUT
27 ITSMA IDBI SUVIDHA STAFF MEDIUM TERM ANNUAL PAYOUT
B.4: SENIOR CITIZEN ( Utpo 1 Crore)

No Code
28 ITZMC IDBI SUVIDHA SENIOR CITIZEN MEDIUM TERM
COMPOUND INTT
29 ITZMM IDBI SUVIDHA SENIOR CITIZEN MEDIUM TERM MONTHLY
PAYOUT
30 ITZMQ IDBI SUVIDHA SENIOR CITIZEN MEDIUM TERM QTRLY
PAYOUT
31 ITZMA IDBI SUVIDHA SENIOR CITIZEN MEDIUM TERM ANNUAL
300
PAYOUT
C. LONG TERM SUVIDHA DEPOSITS ( TWO YEARS AND ABOVE)
C.1: CLIENT ( Utpo 1 Crore)

Sl.N Scheme Description
o Code
32 ITCLC IDBI SUVIDHA CLIENT LONG TERM COMPOUND INTT
33 ITCLM IDBI SUVIDHA CLIENT LONG TERM MONTHLY PAYOUT
34 ITCLQ IDBI SUVIDHA CLIENT LONG TERM QTRLY PAYOUT
35 ITCLA IDBI SUVIDHA CLIENT LONG TERM ANNUAL PAYOUT
C.2: BULK ( Above 1 Crore )

o Code
36 ITBLC IDBI SUVIDHA BULK LONG TERM COMPOUND INTT
37 ITBLM IDBI SUVIDHA BULK LONG TERM MONTHLY PAYOUT
38 ITBLQ IDBI SUVIDHA BULK LONG TERM QTRLY PAYOUT
39 ITBLA IDBI SUVIDHA BULK LONG TERM ANNUAL PAYOUT
C.4: INTERBANK ( Utpo 1 Crore)

o Code
40 ITILC IDBI SUVIDHA INTERBANK LONG TERM COMPOUND
INTT
41 ITILM IDBI SUVIDHA INTERBANK LONG TERM MONTHLY
PAYOUT
42 ITILQ IDBI SUVIDHA INTER BANK LONG TERM QTRLY PAYOUT
43 ITILA IDBI SUVIDHA INTER BANK LONG TERM ANNUAL PAYOUT
C.5: STAFF ( Utpo 1 Crore)

o Code
44 ITSLC IDBI SUVIDHA STAFF LONG TERM COMPOUND INTT
45 ITSLM IDBI SUVIDHA STAFF LONG TERM MONTHLY PAYOUT
46 ITSLQ IDBI SUVIDHA STAFF LONG TERM QTRLY PAYOUT
47 ITSLA IDBI SUVIDHA STAFF LONG TERM ANNUAL PAYOUT
C.6: SENIOR CITIZEN ( Utpo 1 Crore)
301
o Code
48 ITZLC IDBI SUVIDHA SENIOR CITIZEN LONG TERM COMPOUND
INTT
49 ITZLM IDBI SUVIDHA SENIOR CITIZEN LONG TERM MONTHLY
PAYOUT
50 ITZLQ IDBI SUVIDHA SENIOR CITIZEN LONG TERM QTRLY
PAYOUT
51 ITZLA IDBI SUVIDHA SENIOR CITIZEN LONG TERM ANNUAL
PAYOUT
Events Leading To Transactions To Office Accounts
No Office A/c no & Purpose

Description
A XXX37000010015 As the actual receipt and payment by cheque is handled
FD suspense A/c outside Finacle this account has been created to reflect
such transactions. All the transaction pertaining to this
account are passed by user. Finally at the end of the
period this account balance will match with A/c 1369 in
CAD.
Events Action to be taken
1. Realisation of This account is debited to give credit to customer
Cheque account
2. Credit of Interest For the payout of interest to customer in Non cumulative
schemes on the respective due dates, system will credit
Sundry Deposit account. User has to debit Sundry
Deposit to transfer the balance to FD Suspense Account
3. Redemption on System will debit customer account and credit Sundry
Maturity Deposit account for the amount. User has to debit
Sundry Deposit account and credit FD Suspense
Account.
4. Premature Closure System will transfer balance in customer account to
Deposit account and credit FD Suspense Account.
B XXX37000010025 In case of Interest payout on Non cumulative schemes
TDS parking A/c and payment of closure proceeds of Cumulative
schemes, TDS parking account is credited with the
proceeds, to enable deduction of Tax if any. The amount
from this account is transferred to either sundry Deposit
account and / or TDS Due account. The balance in this
account should be zero at the end of the day.
302
TDS Parking account. System only will debit TDS
Parking account to transfer the TDS to TDS Due
account and balance to Sundry Deposit Account.
3. Redemption on System will debit customer account and credit TDS
Maturity Parking account. System only will debit TDS Parking
account to transfer the TDS to TDS Due account and
balance to Sundry Deposit Account.
4. Premature Closure System will debit customer account and credit TDS
Parking account. System only will debit TDS Parking
account to transfer the TDS to TDS Due account and
balance to Sundry Deposit Account.
C XXX37000010027 On account of any payout to the customer this account
Sundry deposit A/c is credited. The balance in this account should be zero
at the end of the day.
Deposit and credit FD Suspense Account
3. Redemption on System will transfer balance in customer account to
Maturity Sundry Deposit account. User has to debit Sundry
4. Premature Closure System will transfer balance in customer account to
D XXX34600010001 In the event of deduction of TDS system calculates and
TDS Due A/c transfer the same from TDS Parking account to this
account.
2. Credit of Interest In any of these events, that results in deduction of tax,
3. Redemption on System debits TDS Parking account and credit TDS
Maturity Due Account. User has to transfer the amount by
4. Premature Closure debiting TDS Due Account and credit FD Suspense
account at the time of remittance of TDS to Income Tax
Department.
303
E Interest Booking and Each scheme based on its tenure has one account
Interest Expenses A/c under GL code 32 for Other Liabilities Interest Accrued
(GL sub head 32225, 32325, 32425 i.e. interest booking
a/cs) and 81 for Interest Expenses – Term Deposit (GL
sub head 81125, 81225, 81325 i.e. Interest Expenses
a/cs). However in Finacle the interest booked for the
month is not reversed.
5. Interest provision at For each scheme System calculates the interest to be
the end of month provided for the month, debits the respective Interest
expenses a/c and credits respective Interest booking
a/c. The calculation of interest is from customer account
opening date or from first of the month to the month
end.
81125, 81225, 81325 Dr
32225, 32325, 32425 Cr.
2. Credit of Interest on Under Cumulative schemes on the due dates, System
due dates – calculates the interest to be paid, debits the interest
Cumulative booking a/c for the amount which has been booked upto
end of last month and interest expenses a/c from the
first of the current month till due date and credits TDS
Parking account XXX37000010025.
System debits the TDS Parking account
XXX37000010025 and credits the customer account.
2. Credit of Interest on Under Cumulative schemes on the due dates, System
due dates – Non calculates the interest to be paid, debits the interest
cumulative booking a/c for the amount which has been booked upto
end of last month and interest expenses a/c from the
first of the current month till due date and credits TDS
Parking account XXX37000010025.System debits the
TDS Parking account and credits the Sundry Deposit
Account XXX37000010027 and / or TDS Due Account.
User has to debit Sundry Deposit Account
XXX37000010027 and credit FD suspense A/c
XXX37000010015.
304
4. Premature Closure The account opened for more than 6 months if closed
prematurely i.e. Run period is less than the contract
period and the contract period is more than 6 months,
Finacle charges the penalty rate of interest. Meanwhile
interest is credited to the account (Cumulative
schemes) or paid to customer (Non - Cumulative
schemes) at contract rate of interest rate. At the time of
premature closure, the actual interest payable to the
account is worked out the difference is recovered from
the customer a/c under both cumulative & non
cumulative schemes. Finacle debits customer account
and credits
interest booked account (32225, 32325, 32425) under
Respective scheme. System debits interest booked
account (32225, 32325, 32425) and credits interest
expenses account (81125, 81225, 81325) under
Respective scheme.
Event Wise Transactions Passed In Finacle – By System And User
Finacle
Events & Activity Menu GL A/c code A/c Description
Entry by Sub
head
code
1Receipt of Cheque and application
No activity in
Finacle
Cheque not realized
No activity in
Finacle
Cheque realized
User Create, Verify CUMM
customer
Open, Verify OAAC /
Account OAACA
U
Enter, Verify TM Dr 37000 XXX370000100 FD SUSPENSE

transaction 15 ACCOUNT
305
Cr 10525 XXX10525-------/ Customer A/c
/ XXX10625-------/
10625 XXX10725-------
/
10725
2Interest provision on last day of month (Cumulative and non-cumulative)

System Booking of Dr 81125 XXX8112501----/ INT ON STD -
interest / XXX8122501----
81225 /XXX8132501---
/ -
81325
Cr 32225 XXX3222501---- INT BKD ON
/ /XXX3322501--- SHORT TERM
32325 -/XXX3422501-- DEPOSITS
/ --
32425
Reversal of interest provided in next month

User No activity in
Finacle
3Interest credited to FD a/c (Cumulative Scheme)

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

25 ACCOUNT
/ XXX10625-------/
10625 XXX10725-------
/
306
10725
Cr 34600 XXX346000100 TDS DUE

01 ACCOUNTS
4TDS payment for the previous month

User Enter, Verify TM Dr 34600 XXX346000100 TDS DUE
transaction 01 ACCOUNTS
Cr 37000 XXX370000100 FD SUSPENSE

15 ACCOUNT
5interest to be paid on due dates - non cumulative

System Dr 81125 XXX8112501----/ INT ON STD -
/ XXX8122501----
81225 /XXX8132501---
/ -
81325
Dr 32225 XXX3222501---- INT BKD ON
32325 -/XXX3422501-- DEPOSITS
/ --
32425
25 ACCOUNT

25 ACCOUNT
Cr 37000 XXX370000100 SUNDRY
27 DEPOSITS
ACCOUNT
Cr 34600 XXX346000100 TDS DUE
01 ACCOUNTS
User Enter, Verify TM Dr 37000 XXX370000100 SUNDRY

transaction 27 DEPOSITS
ACCOUNT
15 ACCOUNT
307
TDS payment for the previous month
User Enter, Verify TM Dr 34600 XXX346000100 TDS DUE
transaction 01 ACCOUNTS
15 ACCOUNT
6Redemptions - Bulk
System Dr 10525 XXX10525-------/ Customer A/c
/ XXX10625-------/
10625 XXX10725-------
/
10725
For Bulk deposits Auto renewal is notCr 10525 XXX10525-------/ Customer A/c
allowed hence after the due date the / XXX10625-------/
balance is under GL Sub Head 10225 10625 XXX10725-------
/
10725
User Close the CAAC /

account TDSCAL
C

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

ACCOUNT
15 ACCOUNT
Redemptions - other than Bulk
308
If the account is not closed or renewaed due to setting up the parameters while
opening the account, the balance in the account will be moved to GL Subhead
10225. The account can be closed as shown above or Renewed as under
User Open, Verify OAAC /
Account OAACA
U-R
System Dr 10525 XXX10525----old Customer A/c
/ a/c
10625
/
10725
Cr 10525 XXX10525---- Customer A/c
/ new a/c
10625
/
10725
Based on the parameters, if the system closes the account following is the flow.
/ XXX10625-------/
10625 XXX10725-------
/
10725
Cr 37000 XXX370000100 SUNDRY
27 DEPOSITS
ACCOUNT
Cr 34600 XXX346000100 TDS DUE
01 ACCOUNTS

trransaction 27 DEPOSITS
ACCOUNT
15 ACCOUNT
7Auto renewal of FD
System Dr 81125 XXX8112501----/ INT ON STD -
/ XXX8122501----
81225 /XXX8132501---
/ -
81325
Dr 32225 XXX3222501---- INT BKD ON
32325 -/XXX3422501-- DEPOSITS
309
/ --
32425

25 ACCOUNT

25 ACCOUNT
/ XXX10625-------/
10625 XXX10725-------
/
10725
Cr 34600 XXX346000100 TDS DUE
01 ACCOUNTS
System Dr 10525 XXX10525-------/ Customer's old

/ XXX10625-------/ A/c
10625 XXX10725-------
/
10725
Cr 10525 XXX10525-------/ Customer's new
/ XXX10625-------/ A/c
10625 XXX10725-------
/
10725
User No activity
8Premature closure
User Close the CAAC /
account TDSCAL
C
System Crediting Dr 81125 XXX8112501----/ INT ON STD -
Interest / XXX8122501----
81225 /XXX8132501---
/ -
81325
Dr 32225 XXX3222501---- INT BKD ON
32325 -/XXX3422501-- DEPOSITS
/ --
32425
310
25 ACCOUNT

25 ACCOUNT
/ XXX10625-------/
10625 XXX10725-------
/
10725
Cr 34600 XXX346000100 TDS DUE
01 ACCOUNTS

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

trransaction 27 DEPOSITS
ACCOUNT
15 ACCOUNT
In premature closure of account some interest is calculated and already credited

to the account or paid to customer. Due to premature closure the interest rate
applicable changes and interest is recalculated. The excess interest paid is
recovered out of customer's account and booking of interest is rectified
accordingly.
System The excess int Dr 10525 XXX10525-------/ Customer A/c

paid is / XXX10625-------/
recovered from 10625 XXX10725-------
Principal /
10725
Cr 32225 XXX3222501---- INT BKD ON
32325 -/XXX3422501-- DEPOSITS
/ --
32425
311
System The recovered Dr 32225 XXX3222501---- INT BKD ON
interest is / /XXX3322501--- SHORT TERM
reversed from 32325 -/XXX3422501-- DEPOSITS
Int booking / --
32425
Cr 81125 XXX8112501----/ INT ON STD -
/ XXX8122501----
81225 /XXX8132501---
/ -
81325
In case some amount is to be repaid to customer and FD to be renewed for

balance amt the old FD to be closed and new FD to be opened. This will not be
renewal of FD in Finalce.
At the end of the year entries passed in Finacle as on 31.03
System Booking of Dr 81125 XXX8112501----/ INT ON STD -

interest / XXX8122501----
81225 /XXX8132501---
/ -
81325
Cr 32225 XXX3222501---- INT BKD ON
32325 -/XXX3422501-- DEPOSITS
/ --
32425
System TDS XXX756000100 TDS on Others

Calculation Dr 7560004
On accrued TDS Due
interest as on XXX346000100 account
31.03 Cr 3460001
On the first day of the next financial year

XXX051650100 Interest P & L
Dr 05165 01 Account
81125 XXX8112501----/ INT ON STD -
/ XXX8122501----
81225 /XXX8132501---
/ -
Cr 81325
Interest credited to FD a/c (Cumulative & Non cumulative Scheme)
312
System Either Full / part Dr 81125 XXX8112501----/ INT ON STD -
booking interest / XXX8122501----
is payable 81225 /XXX8132501---
/ -
81325
Dr 32225 XXX3222501---- INT BKD ON
32325 -/XXX3422501-- DEPOSITS
/ --
32425
25 ACCOUNT
TDS on Int upto Cr 75600 XXX756000100 TDS on Others
31.03 04
System Cumultive Dr 37000 XXX370000100 TDS PARKING

25 ACCOUNT
/ XXX10625-------/
10625 XXX10725-------
/
10725
TDS on Int from Cr 34600 XXX346000100 TDS DUE
01.04 onwards 01 ACCOUNTS
System Non Cumulative Dr 37000 XXX370000100 TDS PARKING

25 ACCOUNT
Cr 37000 XXX370000100 SUNDRY
27 DEPOSITS
ACCOUNT
TDS on Int from Cr 34600 XXX346000100 TDS DUE
01.04 onwards 01 ACCOUNTS

ACCOUNT
15 ACCOUNT
313
Office accounts for Suvidha Scheme Codes
Tenure of Scheme Code Int booked a/c Int on Scheme

scheme
ITCSS XXX32225010001 XXX81125010001

ITCSC XXX32225010002 XXX81125010002
ITBSS XXX32225010003 XXX81125010003
ITBSC XXX32225010004 XXX81125010004
Short ITISS XXX32225010005 XXX81125010005
Term ITISC XXX32225010006 XXX81125010006
ITSSS XXX32225010007 XXX81125010007
ITSSC XXX32225010008 XXX81125010008
ITZSS XXX32225010009 XXX81125010009
ITZSC XXX32225010010 XXX81125010010
ITCMC XXX32325010001 XXX81225010001

ITCMM XXX32325010002 XXX81225010002
ITCMQ XXX32325010003 XXX81225010003
ITBMC XXX32325010004 XXX81225010004
ITBMM XXX32325010005 XXX81225010005
ITBMQ XXX32325010006 XXX81225010006
ITIMC XXX32325010007 XXX81225010007
ITIMM XXX32325010008 XXX81225010008
ITIMQ XXX32325010009 XXX81225010009
ITSMC XXX32325010010 XXX81225010010
Mid Term ITSMM XXX32325010011 XXX81225010011
ITSMQ XXX32325010012 XXX81225010012
ITZMC XXX32325010013 XXX81225010013
ITZMM XXX32325010014 XXX81225010014
ITZMQ XXX32325010015 XXX81225010015
ITCMA XXX32325010016 XXX81225010016
ITBMA XXX32325010017 XXX81225010017
ITIMA XXX32325010018 XXX81225010018
ITSMA XXX32325010019 XXX81225010019
ITZMA XXX32325010020 XXX81225010020
IFIMQ XXX32325010021 XXX81225010021
Long Term ITCLM XXX32425010001 XXX81325010001

ITCLQ XXX32425010002 XXX81325010002
ITBLC XXX32425010003 XXX81325010003
314
ITBLM XXX32425010004 XXX81325010004
ITBLQ XXX32425010005 XXX81325010005
ITILC XXX32425010006 XXX81325010006
ITILM XXX32425010007 XXX81325010007
ITILQ XXX32425010008 XXX81325010008
ITSLC XXX32425010009 XXX81325010009
ITSLM XXX32425010010 XXX81325010010
ITSLQ XXX32425010011 XXX81325010011
ITZLC XXX32425010012 XXX81325010012
ITZLM XXX32425010013 XXX81325010013
ITZLQ XXX32425010014 XXX81325010014
ITCLC XXX32425010015 XXX81325010015
ITCLA XXX32425010016 XXX81325010016
ITBLA XXX32425010017 XXX81325010017
ITILA XXX32425010018 XXX81325010018
ITSLA XXX32425010019 XXX81325010019
ITZLA XXX32425010020 XXX81325010020
315
Event Wise Vouchers To Be Passed In Cad
CAD
Event voucher Dr/ A/c Account Head Amt.
Cr code Narration
1 Receipt of cheque sent for realization
RV Cr 2755Cheque pending Cheque amt.
Realisation
Cheque not realised PV Dr 2755Cheque pending Cheque amt.

Realisation
Realisation of cheque
Dr 2755Cheque pending Cheque amt.
Realisation
JV
Cr 1369Deposits received
under new ISFD
2Interest provision on last day of month (Cumulative and non-cumulative)

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

Dr 1750Interest paid on Int amt to be
new ISFD porovided
Cr 6565Interest accrued
JV
but not due on
borrowing
including deposits
3Interest credited to FD a/c (Cumulative Scheme)

Interest accrual on compounding dates of cumulative deposits
Interest accrued but not due in r/o cumulative deposit is added to Principal of FD
on respective date of quarterly compounding
Addition to principal is after deducting TDS if applicable
Finacle report will give interest and TDS
JV Dr 6565Interest paid on Int Accrued
new ISFD
316
Cr 2754Income Tax & TDS
surcharge
deducted at
source from
Interest
Cr 1369Deposits received Net of TDS
under new ISFD
4TDS payment for the previous month

PV Dr 2754Income Tax & TDS
surcharge
deducted at
source from
Interest
5interest to be paid on due dates - non cumulative

By passing this payment voucher cheque for net of TDS will
be generated
Dr 6565Interest accrued Int amt actually

but not due on due
borrowing
including deposits
PV Cr 2754Income Tax & Income Tax and
surcharge surcharge
deducted at deducted from Int
source from
Interest
(If Tax is
applicable)
6Redemptions - Bulk
Bulk deposit > 1.00 crore Dr 1369Deposits received
under new ISFD
Irrespective of Interest JV Cr 2752Amount payable
payment option JV is to on maturity
be passed
On receipt of request for PV Dr 2752Amount payable

redemption on maturity
Redemptions - other than Bulk

Other than bulk ie. < 1.00 crore - Auto-Renewal is invoked by
default.
317
No need to transfer matured amt to 2752
Deposit 1,00,000/- Compound Int Accrued 10,000/- TDS
1,000/-
Redemption of FD with cumulative Interest
Redemption of FD with Dr 1369Deposits received 110000

cumulative Interest under new ISFD
Cr 2754Income Tax & 1000
PV surcharge
deducted at
source from
Interest
Redemption of FD with PV Dr 1369Deposits received 100000

Non - Cumulative under new ISFD
Interest
7Auto renewal of FD
Renewal of FD with Non Dr 1369 Deposits received
- Cumulative Interest JV OR under new ISFD
(Non Bulk) OR
Dr 2752Amount payable
on maturity (Bulk)
Cr 1369Deposits received
under new ISFD
Renewal of FD with Cumulative Interest

Deposit Amt Rs.100000/-. Int credited Rs10000/-. TDS 1000/-. FD renewed for
109000/-
Dr 1369 Deposits received
OR under new ISFD
(Non Bulk) OR 1100000
Dr 2752Amount payable
on maturity (Bulk)
Cr 1369Deposits received 109000
JV
under new ISFD
surcharge
deducted at
source from
Interest
318
8Premature closure
Interest rate for elapsed period (I.e. up to date of premature redemption) will be
taken for calculation in place of original interst rate applicable for original maturity
period. Excess int paid will be recovered from redemption
Deposit 1,00,000/-. Compound Int Accrued up to last date of compounding date

10,000/- (added to principal). Accrued interest from last compounding date to
premature date 85/-. interest recoverable 100/-. shortfall of interest to be
recovered from principal 15/-. Cheque to investor 109976/- IT 9/- (TDS on
interest from last compounding till premature date).
Premature date Dr 6565Interest paid on 85
new ISFD
surcharge
JV deducted at
source from
Interest
Cr 1369Deposits received 76
under new ISFD
Dr 1369Deposits received 109976

under new ISFD
PV
Cr 6565Interest paid on 100
new ISFD
In case of premature closure of FD account opened fro Rs.10,000/- under Non

cumulative scheme the interest due to premature closure will be recovered from
the Principa amount only. It happens if the account is closed immediately after
the interest payment date and hence from the last interest application date till
closure there is no interest available for recovering the same. The interest
recovered is Rs.300/-
1369Deposits received 300

Dr under new ISFD
JV
6565Interest paid on 300
Cr new ISFD
Redemption of FD with PV Dr 1369Deposits received 9700

Non - Cumulative under new ISFD
Interest
319
Interest provision on last
day of month
(Cumulative and non-
cumulative)
Provision voucher on the Dr 6565Interest paid on Int amt to be
last date of every month new ISFD porovided
JV Cr 1750Interest accrued
but not due on
borrowing
including deposits
320
7.0 Reports that can be generated by Users in Finacle
No. Report Name Purpose Useage Menu

1 Deposit Transaction To know Interest, This will help the user DTR
(Display / Print) principal or total to pass voucher in
payment that has CAD to make payment
happened on any date. to client
2 General Details To know basic For inquiry on all GDET
information regarding accounts and to get
the customer accounts. maturity amount.
3 Account Details To know basic For inquiry on all ACDET
information regarding accounts. It gives
the customer accounts. balance amount and
last tran date. It can
also be used to see
the accounts opened
without passing any
transaction i.e. PI.
4 Remit TDS To know the details of Option G will give list RMTDS
Not report TDS to be remitted to of accounts where
IT Deptt on any date. TDS is deducted
based on which user
can make the
payment.
Option C will give list
of accounts for which
TDS is paid.
5 Refund TDS To get the list of RFTDS
Not report customers to whom
TDS has been
refunded.
6 Due Notice To know the list of To send the letters DN
accounts getting asking for renewal of
matured during a accounts.
period.
7 Rate wise To know the number of For statistics RDD
distribution of accounts and total
deposit deposit amount under
various rates
applicable.
8 Scheme wise To know the number of For statistics SDD
distribution of accounts and total
deposit deposit amount under
various schemes.
9 TDS inquiry and To know the TDS To inquire and print TDSIP
321
printing related information. reports related to TDS
10 Balance Report To know the balances For reconciliation BR
under various accounts
as on date for a SOL
11 Daily transaction To get the list of all Options PTW
report transactions. 2,3,4,5,6,12,A1,A2
can be used.
12 Account Selection To print report on ACSP
Print accounts based on
various parameters
13 Account Ledger To see the ledger of the ACLI
Inquiry account
14 Account To inquire and modify ACM
Maintenance on account
15 Customer Selection To select customer CUS
based on various
parameters
16 Account Selection To select accounts ACS
based on various
parameters
17 Maturity Forecast To get the list of MFR
Report deposits being matured
18 Deposit Receipt To give Certificate of DRP
Print Deposit to Customer
19 Deposit received To generate report on For reconciliation / DEPRCVD
during the period Deposits received Statistics
during the period
322
Daily Routine To Be Followed By The User
1. Go to FTI menu press F4 to see the transactions passed by the System

for your SOL whenever user logs in Finacle. The entries passed for
calculation and crediting interest or redemption proceeds for the accounts
matured on the date. The amounts due on these counts are credited to
office account (for non – cumulative schemes) or to customer account (for
cumulative schemes). Accordingly, user can take further course of action
in Finacle as well as in CAD system to keep the books of accounts and
Finacle reconciled.
2. Before logging out of the Finacle for the day go to AFI menu, enter proper
parameters to see any non financial transactions (Like customer creation,
account opening etc, other than transactions entered through TM Menu)
entered by you are left as not verified by another user. Please ensure that
all such transactions are verified on the same date so all future operations
on the account will be smooth and also no objection is raised by audit.
3. Before logging out of the Finacle for the day go to FTI menu, enter proper
parameters to see the status of the financial transactions passed by you.
Please see the transactions are posted and verified at the end of day
before you logged out of Finacle. The transaction posted on a date cannot
be verified on next date.
4. Some of the customer accounts opened in Finacle are closed on the
grounds that the same were opened erroneously. Please take a stock of
all such wrongly opened accounts and keep record so as to reconcile with
CAD and Audit purpose. Also the system will perform all calculations such
as interest, renewal closure etc. on all live accounts. Please identify such
wrong accounts opened at your SOL and also find out the operations
performed on all such accounts. All such errors will have to be rectified
and the data will have to be made clean so as to reconcile with CAD
system, Audit purpose and data migration in future.
5. Whenever a report is generated through Finacle. The same can be viewed
in the Background menu. The file can be transferred to your computer. Go
to background menu. To see the file / report we type ‘T’ in the block. To
know the file name Explode on the file i.e. press Ctrl+E and you will come
to know the file name under print file name. Then go to main menu, type
FILETRAN and press enter. Select the proper option i.e. 2 (From Finacle
Server To P.C.(Reports)), press F4, 2 (Transfer RPT/rpt FILES), press F4.
You can see the file name on the screen. You can select the file name,
copy and paste with the mouse on the entry bar and press F4 and go
ahead. Before you start for Filetran create a directory called FILETRAN on
C drive so that all such files are transferred in this directory.
6. To reconcile CAD balances with Finacle based on various reports as given
above.
323
In Finacle Following Batch Jobs For Suvidha Are Performed By System
Sr No. JOB_DESC Invoking process

1 AUTO CLOSURE OF TD After Business Hours
2 AUTO RENEWAL After Business Hours
3 AUTO. CLOSURE VERIFICATIO After Business Hours
4 TRF TO OVERDUE DEPOSITS After Business Hours
5 TDS CALCULATION RENEWAL After Business Hours
6 INT. PAID ON TERM DEPOSIT BOD process
7 TDS INTEREST PAID BOD process
8 INTEREST BOOKING ON FD After Business Hours
9 TDS ON INT ACCRUED After Business Hours
Accordingly the Users can know for a particular customer account when the
transaction will take place in the system.
324
Suggested Menus / Reports For Reconciliation With Cad
Sr. Events Correspondi Menu suggested

No. ng Report
sent earlier.
1. B. Interest Provision – BR menu option for Interest
At the end of the month. Provision. (GL sub head
32225, 32325, 32425)
2. C. Interest payment on Due 401_c.rpt DTR menu – Flow code IO
dates (Non-Cumulative) On
daily basis
3. D. Interest Accrual on 401_d.rpt DTR menu – Flow code II
CompoundingOn daily basis
4. E. Redemptions – Bulk - 401_e1.rpt DTR menu – Flow code PO /
Scheme codes ITB On daily TO
basis
5. E. Redemptions – Non Bulk 401_e2.rpt DTR menu – Flow code TO
Cumulative On daily basis
6. E. Redemptions – Non Bulk 401_e3.rpt DTR menu – Flow code PO
Non Cumulative On daily
basis
7. G. Premature Closure – Non 401_g1.rpt DEPRCVD – From 01.10.2004
Cumulative – (Scheme codes to date transfer the file* to PC
ending with M, Q, A) and see the premature closure
8. G. Premature Closure – 401_g2.rpt DEPRCVD – From 01.10.2004
Cumulative - (Scheme codes to date transfer the file* to PC
ending with C, S) and see the premature closure
9. F. Renewal of Deposit – Bulk 401_ren_F1 DEPRCVD – From 01.10.2004
Non Cumulative - Scheme _B.rpt to date transfer the file* to PC
codes ITB ending with M, Q, and see the premature closure
A
10. F. Renewal of Deposit – Non 401_ren_F1 DEPRCVD – From 01.10.2004
Bulk Non Cumulative - _NB.rpt to date transfer the file* to PC
Scheme codes other than and see the premature closure
ITB ending with M, Q, A
11. F. Renewal of Deposit –Bulk 401_ren_F2 DEPRCVD – From 01.10.2004
Cumulative - Scheme codes _B.rpt to date transfer the file* to PC
ITB ending with C, S and see the premature closure
12. F. Renewal of Deposit – Non 401_ren_F2 DEPRCVD – From 01.10.2004
Bulk Cumulative - Scheme _NB.rpt to date transfer the file* to PC
codes other than ITB ending and see the premature closure
with C, S
13. Interest calculation – Intcalc1.suc
Success report
14. Interest calculation – Intcalc2.suc
325
Success report
15. Details of Tax Deduction at tdscalc.SUC
Source
16. Interest calculation – Failure Intcalc.FAI
report
Note : 401_ is the sol No which is indicative and taken as example.
 *DEPRCVD file - Excel Format Report on Suvidha Fixed Deposit. Please
note the Column Headings are as under
Ac Cu Cust AccoRa Dep Maturi AccoAccou Dep Original Original Current Current
co sto ome unt te osit ty unt nt osit Deposit Maturity Account Maturity
unt me r Ope of Peri Date Clos Closin Stat Amount Amount Balance Amount
Na r Id Type n Int od ed(Y g Date us
me Date ere /N)
st
1 2 3 4 5 6 7 8 9 10 11 12 13 14
In case of reports 4, 5, 6 the DTR with closed a/c as ‘Y’ and Flow code PO (for
non cumulative schemes) TO for (cumulative schemes) will give all redemptions
in a period. However you have to identify the accounts under Bulk schemes i.e.
code with ITB.
For TDS deducted and to be paid please take ledger printout of Office Account
No XXX34600010001 for the month through ACLPOA menu for this purpose.
As advised earlier daily go to FTI menu to see the transactions passed by the
system giving from date as yesterday's date (so that you will get After Business
Hour transactions also). For each entry Press Ctrl+E i.e explore to see the
details. Also visit DTR menu as advised above.
It is desirable that the Finacle and NCAS are reconciled on daily basis by passing
relevant vouchers in NCAS. You can refer the earlier document files sent by Help
Desk and DRD in this regard. For further help contact us through mail.
326
Suvidha Fixed Deposited Migrated From Informix
On migration the new accounts will bear the structure as under:

Field Value
Customer Account
XXXABCDEFGHIJ 15 digits
XXX 011 (Kolkata) to SOL No
055 (Coimbtore)
Scheme code (Informix) Description
AB 01 Cumulative
02 Quarterly Payout
03 Monthly Payout
05 Yearly Payout
CDEFGHIJ The number from Informix preceded
by 0 (zero) to fill up the gap.
0410300000658 On migration the account number will appear like this

041 Pertains to Mumbai BO
03 For Monthly Payout
00000658 658 is the account number that cam from Informix
The scheme codes created for the migrated accounts are different from
the Suvidha Fixed deposit schemes in Finacle and also from fixed deposits
schemes used by CBSBU.
On the date of migration a voucher is to be passed in NCAS system for

transferring the amount to FInacle. The details will be forwarded to the offices in
due course.
327
Document details
Purpose :- To provide help in browser configuration for Finacle

1. This setting is user specific, if any new user logs in for the first
time on any PC , he has to follow following steps.
2. Click on
which is appearing on your desktop.
3. Click on tools.
Click on Internet Options. In address field type the finacle

address
http://10.144.16.18:9000/finacle/finacle.html
4. Click Apply & then OK.
328
5. Again Click on Internet options. Click on Security, you will get
following screen.
6. Click on Trusted Sites.
7. Click on Sites.You will get following screen, pl. type IP address

"10.144.16.18". Uncheck "require server verification". Then click
"Add".Then click OK.
329
8.You will get following screen.
330
9. Click on Custom Level. You will get following screen.
10. Use right hand side scroll bar and change screen as follws.
331
11. Click on Custom under Microsoft VM –Java permission
12. Then click Java Custom Settings as follows.
332
13. Click on Edit Permissions. You will get following screen.
Click on Enable under "Unsigned content->Run Unsigned
content"
Again scroll down and find another "Enable" .
333
14. Click at "Enable" under Signed content -> Run Signed
Content . Select "Low Security" under reset to option .Then click
on ‘OK’.
334
15. You will get following screen. Click on ‘OK’
335
14. You will get following screen. Click "Yes" .
15. You will get following screen. Click on Apply and then OK.
336
16. You will come back to Browser Main screen. Close and
restart the Browser.
17. If your PC is used for internet also, then do as follows:-
Further to browser settings, you are advised to include "10.144.16.18"

in the list of server where system should not use proxy server.
17.1 Double Click on Internet Explorer.
17.2 Click on tools->Internet Options->Connection->LAN Settings-
>Advance->
Under exceptions pl. ensure that following is appearing.
idbibank.com;10.144.16.18
17.3 Continue clicking OK to close all windows.
****End of the documents*****
337

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FINACLE User

Physical Key What does it do?

Menu What is it used for?

1.1 Go to Menu option and enter option CUMM

1.2 Input details as mentioned below -

1.4 Input details as mentioned below -

1. Communication Address Enter communication address

1.6 Input details as mentioned below -

1. Community/Caste/Health Select from F2

1.8 Input details as mentioned below -

1. Customer financial details as on Enter the date

1. Passport Enter passport number

(This screen is mandatory for NRI customers)

Free Text Enter Free Text, any relevant particulars

1. With holding tax Enter 33 for NRI customers else 0

1. Date of birth Enter DOB of minor

1.19 Input the details as mentioned below -

1. Name Comes by default

1.22 Customer ID will be generated and displayed on the screen.

2.1Go to Option - CUMM

2.2 Input details as mentioned below -

1. Function Enter ‘V’

JOB CARD - SAVINGS ACCOUNT

1.2 Input details as mentioned below -

1. Function ‘O’ - Comes by default

1. Acct name Comes by default

1. Passbook/Statement Enter P for Passbook & S for Statement

1.8 Input details as mentioned below -

1. Contact Phone No Enter Tel no

1. Cheque Allowed Comes by default

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

1. Nominee’s Name Enter nominee’s name

1.16 Input details as mentioned below -

1. FFD Scheme Code Select from F2 and press F4

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

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

1. Relation Type Select from F1

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

The account number will be displayed.

2.0 Verification of Accounts

2.1Go to the Menu option and enter OAACAU

1. Function Enter ‘V’

2.3 Press F4 twice.

2.4 Enter option ‘S’ and press F4.

2.5 Verify details from AOF and Press F4.

2.10 Press F10 to commit. The a/c no will be displayed.

2.11 The account stands verified.

3.0 Transactions in Savings Bank Account

3.1 Go to Menu Option and Enter TM

1. Function Enter ‘A’ and press F4

3.3 Put ‘P’ in the specify option field

3.9 Press F10 to commit.

3.10 Note down the transaction ID on voucher

4.1 Go to Menu Option and Enter TM

4.2 Input details as mentioned below -

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

The transaction stands verified.

3.2Go to Menu Option and Enter CAAC -

1. Function Enter ‘Z’

The account stands closed.

5 RTBSS RETAIL BULK SHORT TERM SIMPLE INTT 10500

8 RTSSS RETAIL STAFF SHORT TERM SIMPLE INTT 10500

12 CTCSS CORP CLIENT SHORT TERM SIMPLE INTT 10540