Professional Documents
Culture Documents
Finacle Friendly A Handbook On Cbs
Finacle Friendly A Handbook On Cbs
Lead to inspire
Lead to serve
Lead to influence
(Updated 31.01.2015)
For the purpose of navigation the important function keys are as under-
To handle the revised KYC guidelines and to facilitate F2 (help) facility, functionality to capture KYC
data has been shifted to CUMM (#) sub option. (Branches are already using CUMM ‘#’ sub option to
capture village details of the customer). The existing data filled in CUMM (G) details– 7th page earlier
has been migrated to respective data fields in CUMM (#) sub option.
Important Note:
i) F2 (Help) functionality has been provided. Now branch user can use F2 button to select appropriate
value related to KYC details.
ii) Either of the Husband/father name can be captured as per customer request.
iii) SBSML code is to be filled in case of Small accounts deposit product only
iv) In case Identity Proof is PAN card (PANCD), system will not populate the same at CUMM – ‘G’
4th page in PAN/GIR field but system will validate the entered PAN no. at Identification no. field in
Continuation to the ITD/CBS/Circular No. 23/2013 dated 15-04-2013, the validations on KYC compliant
documents with respect to SBSML codes have also been accordingly customized in CUMM (#) sub option.
The details of the same are mentioned are as under:
a. Small accounts can only be opened under scheme code SBSML if valid values are entered in SBSML
code in CUMM (#).
b. Valid SBSML Codes are:
i) 000 - customer opens account by giving self-attested photograph and complete account opening
form along with self-declaration.
ii) 001 - Applied for ID Proof
iii) 002 - Applied for Address proof
iv) 888 - Applied for both Identity & address proof
v) 003 - Submits Identity proof
vi) 004 - Submits address proof
vii) 999 - Submits both & address proof
c. Applicable documents for above mentioned SBSML codes are mentioned in Annexure- B. Branches are
advised to enter valid codes in KYC fields along with Small a/c codes.
1) Existing Cust ID of a customer for opening his / her account is to be used and not to create a
fresh Cust ID for an exisisting customer.
2) Menu options CRV / MOPACINQ may be used, as a tool, to ascertain the existing Cust-ID of
the customer and menu option CCA may be used for clubbing multiple Cust-IDs of an existing
customer.
3) In order to check multiple Cust-IDs of a customer, necessary changes is made in CBS system
that as and when branch user enters Aadhaar Number / PAN Number / Mobile Number /
Passport Number of the proposed customer for creating a new Cust- ID at the time of opening
an account , system will display a list of existing Cust-IDs on the screen of the computer, if
Cust-ID is already been created with the same Aadhaar Number / PAN Number / Mobile
Number / Passport Number and branches were advised to use the existing Cust-ID only.
Ensure:
To use the Cust ID of an existing customer for opening his / her new account .
i) CRV / MOPACINQ menu options may be used as a tool to ascertain the existing Cust ID of a customer.
ii) Wherever fresh cust ID is required to be created, it must be created in a prescribed manner.
iii) To generate report on ‘Multiple Cust IDs of a customer based on PAN No’ and take corrective action.
iv) To ensure that correct PAN No is fed in the system at appropriate place and take corrective steps,
wherever required.
Apart from above modifications, few logical checks & validations have been put in place in CUMM to ease
operations in CUMM and capturing of qualitative data.
The details of the same as under:
S.
No. Data Field Validations
1. Customer Name/ System will not accept any special character in Customer name/ short name
Short Name field.
2. Minor Cust. Details: Check incorporated to accept only 6 digit postal numeric code incase
Postal Code country code is 'IN'
3. Postal Code in Check incorporated to accept only 6 digit postal numeric code incase
Communication/ country code is 'IN'
Permanent Address In case country code other than ‘IN’ – INDIA and customer NRE flag as ‘Y’,
system will allow to enter ‘ALPHA’ / ‘ALPHA NUMERIC’ PIN CODE.
Help for entering valid PIN CODE
After entry of city code and state code, press ‘F2’ button and then system
displays list of valid PIN codes available in CBS for the combination of
entered city & state code. In case non availability user should enter pin
code as provided by customer.
Zonal Training Centre Dehradun [7]
ENTRY OF BENEFICIAL OWNER DETAILS – “P” DETAILS
As per HO KYC cell capturing of Beneficial Owners details are required, hence necessary check has been put
in place in CUMM to enter said details using sub-option ‘P’ in CUMM menu option. Following two codes are
created in CBS:
Note: At least one record with 026 or 027 code should be entered otherwise system will not allow new
account opening using the customer ID. Capturing of details of Beneficial Owners is mandatory for following
constitution codes:
ANNEXURE-A
List of Valid KYC Documents for accounts of Individuals (Except SBSML accounts):
ANNEXURE B
Valid documents for applicable SBSML codes are as under:
SBSML ID proof Documents/ID proof Field Address Proof Documents/ Address Proof
Code Field
000 Blank (Not to be filled) Blank (Not to be filled)
003 Any of the valid ID proof code mentioned in Blank (Not to be filled)
Annexure A
004 Blank (Not to be filled) Any of the valid address proof code mentioned
in Annexure A
888 Any of the valid ID proof code mentioned Any of the valid ID proof code mentioned for
for SBSML code 001 above. SBSML code 002 above.
999 Any of the valid ID proof code mentioned in Any of the valid address proof code mentioned
Annexure A in Annexure A
Ministry Of Finance (MoF), India has mandated the Bank’s to provide functionality in CBS to capture the
village/ town code (as per Census Code) details as part of capturing the customer details. The village/town
code details which need to be incorporated consists of a combination of State Code, District Code,
Taluk/Sub-district code and Town/Village code
codes provided by RBI/Census data are incorporated in CBS to comply with this directive. This code will be a
16 character/digit format comprising of State Code(2) + District Code(3) + Sub District Code(5) +
Town/Village Code (6)
USER GUIDE
Check all the relevant details from AOF and verify it.
CAUTION
i) CUMMSUSP menu to be used only for customer IDs which have no account in system.
ii) Customer IDs suspended through this menu cannot be unsuspended even using CUMM.
iii) Customer IDs for Locker customer cannot be suspended through this menu.
iv) No verification required for this activity and can be used by GU work class of ‘030’.
Risk Categorization of Customers in which they have informed that ‘RISK category’ field in CUMM is not
required to be filled by the branches at the time of creating fresh/Modification of Cust-ID. It should be
automatically populated by the system based on profession / activity codes. Profession / activity codes in
the field “profession / activity” in # detail of customer master (CUMM) has been created by Data centre .
Zonal Training Centre Dehradun [11]
User has to select appropriate activity code from help key (F2) and system will automatically populate the
risk category based upon the selection of Profession /Activity codes.
With regard to updation of Customer Identification Information/Data and review of Risk Categorization
necessary customization has been done in the system. The detail procedure to be followed by branches is
given below:
Branches may generate the above two reports and follow-up with customers for obtaining fresh documents
and enter the date of updation of KYC data submitted by customer in # details of CUMM.
Bulk option to enter or modify the risk category of customers based on his/her profession without using
CUMM menu option, a new menu option ‘RISKUPL’ has been customized in CBS. Process to use the said
customized menu option is as under:
Said menu option will change the risk category of the customer IDs based on the entered business nature
code and same can be checked using CUMI/CUMM menu option ‘#’ Details.
Steps to use the same are as under:
Statement – If previous field is set to S (Statement), frequency for statement must be entered. There
are five fields in statement.
Field 1: D–Daily, W–Weekly, M–Monthly, F–Fortnightly, Q–Quarterly, H–Half yearly, Y – Yearly
Field 2: 1-First, 2-Second, 3-Third, 4-Fourth week, M-Mid week, L–Last Week
Field 3: 1-Sunday, 2- Monday………… 7- Saturday & 8 - No weekly off
Field 4: Date of issue - 1 to 31
Field 5: For Holiday N – Next, P – Previous, S – Skip
Fields 2 & 3 are not required if frequency (field 1) is monthly, quarterly, half yearly and yearly
Fields 2 ,3 & 4 are not required if frequency (field 1) is daily and fortnightly
Fields 2 & 4 are not required if frequency (field 1) is weekly
STEP PARTICULARS
S
1 At function Block type "V" and press <TAB> and enter the A/c No. to be verified, then press
F4
2 Press F11 to visit next pages and at the 3rd page Press F4
3 Change the option to "S" and Press F4, see the values entered and again press F4
4 Change the option to "N" and Press F4, see the values entered and again press F4
5 Change option to "A" (for joint a/c or partnership etc. a/c only) and Press F4, see the values
entered and again press F4
6 Press F10 finally. If the system displays any warning / exception, accept them by pressing
F4. The a/c is verified. Press F3 to come back to main menu
The full 16 digits of an a/c number need not be remembered . Whenever this account
is to be accessed, simply enter the scheme code and last 4/5 digits , system will
automatically expand it to 16 digits. This facility is provided only when the customer’s
accounts of same own branch are accessed. All 16 digits in account no must entered
while accessing customer’s of other branches.
2. ACCOUNT OPENING:
A new scheme code ‘SBSML’ has been introduced for opening of customer account under Small Account
Deposit Product. Branches are advised to use menu option ‘OOAC’ and ‘OAACAU’ for the account opening.
1. The aggregate of all credits in a Financial System will not allow to credit the customer account
Year does not exceed rupees one lakh under ‘SBSML’, if aggregate of all credits reaches value of
Rs. 1, 00,000/- within the financial year.
2. The aggregate of all withdrawals and System will not allow to debit the customer account
transfers in a month does not exceed under ‘SBSML’, if aggregate of all withdrawals and
rupees ten thousand; and transfers in a month reaches value of Rs. 10,000 in a
month.
3. The balance at any point of time does not System will not allow to credit the customer account
exceed rupees fifty thousand. under ‘SBSML’, if aggregate of all credits reaches value of
As already mentioned that if customer account under SBSML scheme becomes FULL KYC, said
account is to be transferred to normal saving product scheme, then branch user can issue cheque
book and ATM cards as per extant banking guidelines related to that saving product.
Account opening process as mentioned above involves creation of customer master (for new customers
using the option CUMM) followed by account opening (using OAAC menu option). Instead of using CUMM
and OAAC separately, a workflow ‘ACOPN’ can be invoked. ACOPN is a combination of the two menus. The
workflow involves the following steps:-
On invoking the menu ‘ACOPN’, the user(CTO) shall enter the cust-id (for existing customers) or type
‘New’ (for new customers) in the customer id field.
Enter the authorised official's User-Id in the authorizer id field and F4
If the customer is new, the system brings up a parameter acceptance screen for capturing the
mandatory fields of customer master like customer details, introducer details, communication address,
minor details, NRI details, staff details, TDS table etc.
Fill the relevant details and press F4.
After all mandatory fields are entered, the system takes to another parameter acceptance screen for
capturing account-opening details. On the other hand if the customer is an existing customer (i.e Cust Id
available) system directly takes to account opening screen.
In account opening screen, enter the scheme code in which a/c is to be opened and then press F4.
Enter the transaction amount, mode of payment, debit a/c number (in case the a/c is opened by
transfer of funds from some other a/c of the customer) and press F4.
In this screen, specify the mode of operation, Cheque allowed (by default ‘Y’) and account preferential
(Cr/Dr) and press F4.
The system creates customer master, opens account, puts transaction to the account and displays the
Cust-Id, account number, Tran-Id and Work Flow Id and queues the workflow for the authorised official
(authorizer id) for verification.
Note the Cust-Id, a/c number, Tran-Id and the workflow id on the AOF and pass on the AOF to the
authorised official for verification.
The authorised official for whom the workflow has been queued shall invoke menu option ‘DSPWFQ’ to
display the pending workflows. The menu will display the list of workflows in queue.
The authorised official shall explode (Ctrl+E) on the Workflow Id. If the customer is new, the system
will display the customer master screen. The authorised official shall then visit each page of the screen
(including ‘E’ details) like normal customer master verification.
At the option block, commit. On committing the system displays the account verification screen. The
authorised official shall verify account opening like normal account verification.
Alternatively, the official can verify customer master creation through CUMM option and account opening
through OAACAU option.
The authorised official shall then verify the transaction through ‘TM’ option.
IMPORTANT
IT IS NOT POSSIBLE TO CAPTURE NOMINATION DETAILS, JOINT HOLDER, AUTHORIZED
PERSON, POWER OF ATTORNEY ETC THROUGH ‘ACOPN’. THE USER SHALL CAPTURE THESE
DETAILS BY MODIFYING CUSTOMER A/C THROUGH ‘ACM’ OPTION AND THEN GET IT VERIFIED
FROM THE AUTHORISED OFFICIAL.
Keeping in view the recent guidelines related to Aadhaar payment bridge system (APBS), DBT and to
streamline the process of linking of Aadhaar number with primary account number, following new
functionalities has been added in the menu option UIDNUM:
Now, branch user can capture details of the Aadhaar based as well as non Aadhaar base beneficiaries along
with scheme code. Branch user to use following options
Sr.
Ministry/Department Name of the Scheme Code
No
1 M/o Social Justice & Post Matric Scholarship for SC Students. C00001
Empowerment
Pre-Matric Scholarship for SC Students. C00002
Pre-Matric Scholarship for Children of those engaged in
C00003
unclean occupations.
Up gradation of merit of SC Students. C00004
Post Matric Scholarship for OBCs. C00005
Top Class Education Scheme. C00006
Rajiv Gandhi National Fellowship C00007
2 M/o Human Scholarship to Universities/College Students. C00008
Resources
Development, D/o Fellowship Schemes of UGC. C00009
Higher Education Fellowship Schemes of AICTE. C00010
3 M/o Human National Means cum Merit Scholarship. C00011
Resources National Scheme for Incentive for the girl child for
Development, D/o secondary education.
School Education & C00012
Literacy
4 M/o Tribal Affairs Post Matric Scholarship Scheme. C00013
Top Class Education System. C00014
Rajiv Gandhi National Fellowship. C00015
5 M/o Minority Affairs Matric Scholarship Scheme. C00016
Maulana Azad National Fellowship. C00017
Merit cum Means Scholarship Scheme. C00018
6 M/o Women and Indira Gandhi Matritva Sahyog Yojana (IGMSY). C00019
Child Development
Dhanalakshmi Scheme. C00020
7 M/o Health & Family Janani Suraksha Yojana.
C00021
Welfare
8 M/o Labour and Scholarship to the Children of beedi workers. C00022
Employment
Housing subsidy to beedi workers. C00023
Stipend to children in the special schools under the
Child Labour Project. C00024
- THE PROCESS…
There won’t be any history available prior to the transfer date in the new SOL. Audit trial will be available for
the account and the menu option activities. This includes the transfer enterer id, verified person id, the old
record, the new record, time stamp of such change. And when inquired on the transferred customer account
itself, the audit trail will contain the information of old record, new record, who entered, who verified with
time stamp will be available. Remarks for the audit written will be “SOL ID TRANSFER”.
A new menu option MOPACINQ has been provided. The menu will list a maximum of 10 account numbers
maintained by the customer which is either attached with a Mobile number or PAN Card Number.
The system will then display all Account Numbers with Account Name attached with the Mobile Number
entered by the user. Enter ‘Y’ in ‘Inquire Other(Y/N)’ option to continue inquiring list of accounts for another
mobile number.
Note- Only 10 accounts can be viewed in the menu. If Number of accounts attached with
mobile no is more than 10 then it will prompt for a message only.
Problems are being faced that while Ring Fencing KYC non compliant accounts in CUMM (# details) menu in
the CBS system, since different information(s) relating to customer is required to be uploaded at the time of
Ring Fencing, which at times is not available with the branches. As a result, branches are also freezing KYC
non-compliant accounts .
2. In view of the above, a new menu option ‘RINGFENC’ has been customized in CBS. Therefore,
branches are advised that all the KYC non-compliant accounts should be ‘Ring Fenced’ which
means that such accounts may be placed under close watch and non-compliant customers may be
deprived of certain additional facilities such as issuance of cheque book; issuance of
ATM/Debit Card; providing Internet banking services; account transfer using ACXFRSOL;
scheme transfer using ACXFRSC menu options and no payment through withdrawal slip
at the base branch, till the customer complies with such requirements.
This exercise, however, should not extend beyond a period of three months. In case the customer d
espite such measures, shows unwillingness to comply with KYC/AML/CFT requirements, branches are
free to proceed further and close the accounts after giving due notice to him/her. In no case the
account should be freezed due to KYC non-compliance.
A Savings Fund as well as a Current Account would be treated as ‘Inoperative Account’ if there is no
‘Customer Induced Transaction’ for a continuous period of 24 months.
The process for classification of an account as Inoperative Others and transfer to ‘Inoperative Others’ Head
is customized in FINACLE Application. The activity for classification and transfer of accounts as per above
would be performed on quarterly basis in the month of January, April, July and October every year. The
process of transferring account to ‘Inoperative Category’ is centralized in which status of account, GL
Sub-head Code are changed and signatures are transferred from ‘AL’ Category to ‘IN’ Category
In-operative heads in many Branches are not tallied. The reason for non-tallying of the in-operative heads in
CBS is due to mismatch of account status maintained with that of GL subhead code. Some accounts marked
as Inactive have GL Subhead Code of main operative account where as in some ACTIVE accounts, the GL
Subhead Code is that of in-operative.
In order to identify accounts with a mismatch in account status and GL Subhead code, A report is
customized. The report is available in MIS under PNBRPT/ 9. Misc. reports- 107. Report of Active and
Inoperative Account shown in wrong GL heads which identifies accounts with the following
mismatches
Branches are advised to generate the report for their SOL and change the GL subheads of ‘Inoperative
accounts with wrong GL subhead’ and ‘Active accounts having inoperative GL subheads’ through menu
option TACBSH- (Transfer Accounts between Subheads). Thereafter tally this account wise balance with GL
subhead and ensure its correctness
Balances in all accounts (Inoperative Accounts 10 years & above and amount remained unclaimed for more
than 10 years) along with interest accrued should be transferred to the Depositor Education and Awareness
Fund. Subsequently, banks shall transfer to the Fund the amounts becoming due in each calendar month
(i.e. proceeds of the inoperative accounts and balances remaining unclaimed for ten years or more) as
specified in the Scheme and the interest accrued thereon on the last working day of the subsequent month.
Amounts to be credited to the Fund shall be the credit balance in any deposit account maintained with bank
which have not been operated upon for 10 years or more, or any amount remaining unclaimed for 10 years
or more which include:
Accounts which are frozen by order of Court, Income Tax Deptt. or any other statutory
authorities will not be transferred to DEAF fund.
The activity for classification and transfer of accounts in Inoperative category (10 years & Above) would
henceforth be performed on monthly basis from July, 2014 onwards as against quarterly earlier. A
report has been customized in PNBRPT 9/169 in the system which will provide list of Inoperative accounts
which are likely to slip into Inoperative Accounts (10 years & above) in next quarter.
On the date of transferring the amount to the Fund, the branch will maintain separately customer-wise
details verified by the concurrent auditors, including payment of up-to-date interest accrued, that has
been credited to the deposit account till the date of transfer to the Fund, with respect to interest bearing
deposits, non-interest bearing deposits and other credits transferred to the Fund as detailed in Form-I. A
report has been customized PNBRPT 9/171 to generate details of such accounts at branch/circle office
level. The branch will preserve the above audited report at their level for the purpose of annual audit.
If after transfer of funds to DEAF, customer demands, branch should make payment to customer with up
to date interest and lodge claim through Circle office to RMD HO. Branch to lodge the claim on monthly
basis up to 5th day of the next month to Circle Office and CO by 8th to FGMO and FGMO consolidated claim
to RMD HO by 10th day of the next month.
PROCEDURE FOR CLAIM OF INOPERATIVE (10 YRS & ABOVE) TRANSFERRED TO DEAF, RBI
In case of DD/CO, system will credit the amount in the account number provided by the customer as
entered in the “Credit Acc No” field. However, if customer account number is not available; sundry
account for sol should be entered in “Credit Acc No” field and the same shall be credited.
5. PNBRPT-9/177 DEAF Form III (Monthly Return Claiming Refund from Deaf)
(for refund procedure refer RMD Circular 55/2014)
The transfer of inoperative accounts to operative accounts is done at branch level based on the request of
the customer. Menu option “OPACTF” is available with Incumbent In charge of the base branch and the
menu option performs following three activities:
1. Changes the account status from ‘D-DORMANT’ to ‘A-ACTIVE’.
2. Transfers Inoperative (Others & Over 10 years) GL-Sub-head code to operative GL-Sub-Head-code.
3. Changes the image access code from ‘IN-Inoperative’ to ‘AL-ALL’
On entering the account no. and pressing F4, the system will populate the details of the customer for
crosschecking with the request given by customer. In case the details match with the request, user will have
to enter ‘Y’ in “Continue(Y/N/)” field and press F4
As a policy decision, debit inter sol transactions to inoperative accounts are not allowed.
While closing of an account, system is charging duplicate passbook/statement charges. In some cases these
charges have been levied 5-6 times. After migration to Finacle since application of these charges, the pass
sheet in the a/c might have been printed in ad-hoc mode and the system is keeping trail of all such ad-hoc
print outs. When the a/c comes for closure, system is calculating and recovering ad-hoc pass sheet printing
charges as deferred charges. The branch can reverse the charges to the customer, if required through TM
menu.
MENU OPTIONS AT A GLANCE {FOR CUST-ID & A/C OPENING}
MENU DESCRIPTION PURPOSE
CUMM Customer Master Maintenance To Add a new Customer
OAAC Accounts Opening For opening new accounts
OAACAU Accounts Authorization For Verification / Modification / Cancellation of
Unverified Accounts
ACM Accounts Maintenance For Modification of Verified Accounts And Other
Inquiries/Maintenance
CACC Closure Charges Collection To calculate/apply Account Closure Charges
CAAC Accounts Closing For closing accounts
CAACAU Accounts Closure auth. Auth For Verification/Cancellation of Closed A/C
ALM A/C Lien Maintenance To Mark/Release Lien on Accounts
JTHOLDER List Joint Holders To view Joint Holders/ All Related Parties
INTTM Interest Table Maintenance To view/modify Interest Table Code (Rates)
PSP Pass Sheet print To Print Statement Of Accounts
PBP Pass Book print To Print Passbooks
HACS A/C Selection To make inquiries on criteria-based selected
accounts
HCUS Customer Selection To make inquiries on criteria-based selected
customers
ACCBAL Components of Account Balance To view break-up of an account balance
Inquiry
ACLI A/C Ledger Inquiry To view transactions in Account Ledger
ACTI A/C Turnover Inquiry To view Turnover in account
ADVC Print Dr/Cr. Advice To Customer To Print Advices based on selected criteria
VCHR Print Dr/Cr. Voucher To Print Vouchers based on selected criteria
ABMR A/Cs Below Minimum Balance-Report To print list of accounts below minimum balance
AFSM Account Freeze Status Maintenance To maintain freeze status in account
CBM Customer Becoming Major To inquire / update status of minor a/c
ACLPCA Customer A/C Ledger Print To print Ledger Printout of criteria-based
selected accounts
Zonal Training Centre Dehradun [23]
CUIR Customer Interest Report To print Interest Application Report for a
Customer’s Accounts
CUMP Customer Master Print To print Master Details for Customer’s Accounts
based on Selected Criteria
TACBSH Transfer Accounts Between To transfer GL Subhead code of Accounts From
Subheads Inoperative to Operative Category
INTRUN Interest run on account Application of interest on accounts
OPACTF Inoperative to operative To Transfer of accounts from Inoperative to
Operative category
This menu option can be used for creating credit Transactions in loans account. If Charges are
not to be recovered then Transaction TYPE should be BI instead of CI. For Loans recovery thru
SI after filling information go to next page by pressing F6 for accepting FLOWID.
3. Cust ID – D10000411
5. SI Frequency – As the above SI should be executed on 20th day of every month, the valid values in
SI frequency are M-Blank-Blank-20-N.
6. Execution Time – Valid values are B (Day beginning), D (Anytime during day), A (After Business
Hours), E (Every Time). ‘B’ means, SI will be automatically executed during Begin of day process. ‘D’
means, SI will be executed only once during the day whenever we run SIE (Standing Instruction
Execution) menu option first time, ‘A’ means, SI will be executed during ABH process, ‘E’ means, SI will
7. Next Execution Date – Enter the date on which the SI will be executed first time. Press Ctrl+X to
bring today’s date.
8. Auto Post - Value is default Y, which means, whenever SI is executed, the system will post the
transactions automatically and user need not go to TM (Transaction Maint.) menu option to post these
transactions. If this is N, then the transactions created during execution of this SI will remain in Entered
state. User has to go into TM and post them.
The system will bring Sub Instruction screen. The cursor is in Option field. At the right-top side Sub
Instruction Serial No. 1 is displayed.
Debit part of SI –
21. Option – Enter E. Press F4.
22. Amount Ind – Valid values are F-Fixed, V-Variable, C-Contra Balancing, T-Table Code. In our example
we have to debit SB A/c 01725 by Rs.5000/- i.e. we have to debit the a/c by fixed amount, so in this
field enter F.
23. Part Tran Type – Valid values are C-Credit and D-Debit. In our example we have to debit the a/c, so
make it D.
24. Create Memo Pad – Y.
25. Currency – INR.
26. Fixed Amount – This field will be mandatory as we have made Amount Ind field as F. Enter Rs.5000/-.
Press F4. System will bring part tran details screen.
27. Account Number – Enter the account, which you want to debit. In our example it’s 01725. Press Tab.
28. Amount Indicator – Enter P (Percentage). Press Tab.
29. Percentage to be applied – Enter 100. This is because, we want to debit full amount of Rs.5000/- from
only one account no. 01725. (In case, we want to debit 30% of Rs.5000/- from one account and rest
Zonal Training Centre Dehradun [25]
70% (of Rs.5000/-) from another account, we need to enter 30 in this field and press Down arrow,
enter account no, press tab, enter P, press Tab and enter 70 in the percentage field).
30. Press F4.
31. The cursor will come back to Option field. We have only completed Debit part of SI. To enter Credit part
of SI, Enter E (which is already there in the field) and press F4.
Credit part of SI –
32. Amount Ind – C (Contra balancing). This is because; we are entering contra part of the SI.
33. Part tran Type – C (Credit), because we want to credit Rs.5000/- to A/c No. 87433.
34. Create Memo Pad – Y.
35. Currency – INR. Press F4.
36. Account Number – Enter the account, which you want to credit. In our example it’s 87433. Press
Tab.
37. Amount Indicator – Enter P (Percentage). Press Tab.
38. Percentage to be applied – Enter 100. This is because, we want to credit full amount of Rs.5000/- to
only one account no. 87433. (In case, we want to credit 30% of Rs.5000/- to one account and rest
70% (of Rs.5000/-) to another account, we need to enter 30 in this field and press Down arrow, enter
account no, press tab, enter P, press Tab and enter 70 in the percentage field).
39. Press F4.
40. The cursor will come back to Option field. Now that we have completed debit and credit parts of SI, we
can save the SI. Press F10 to Commit/Save.
41. Note down the SI Serial No. and press F3 twice. You back in the main menu.
VERIFICATION OF SI
Menu Option SIM (Standing Instruction Maintenance)
Steps –
1. Function – V (Verify). Press Tab.
2. SI Srl.No. – Enter SI Serila No. which you wish to verify. If you forgot to note the SI Serial No., you
can press F2 to get the list of unverified SIs, select the one which you wish to verify. Press F4. The
general details will appear on the screen. Check the details. Press F4. The cursor will appear on
Option field with the Debit part of the SI on your screen. Check it.
3. Option – Enter P. Press F4. Check the account and other details. Press F3.
4. Option – Press Down Arrow. The system will display credit details of SI. Press P (which is already
displayed in the field) and F4. Check the account and other information. Press F3.
5. Option – Press F10 to commit/save. The SI is verified. Press F3 to come out of the menu
option.
Example – Enter SI, to prepare a draft of Rs.500/- (drawn on BO: Bhagya Nagar, Aurangabad, favoring
Anant Jadhav) on the 1st day of every month, by debiting A/c 01725 (customer ID D10000411).
Steps –
1. Function – A (Add). Press F4.
2. SI Class – C (Customer Induced)
3. Cust id – D10000411
4. SI Frequency – M-Blank-Blank-1-N
5. Execution time – D (Anytime During Day)
6. Next Execution Date – 10-12-2007 (enter appropriate date). Press F4.
To Enter DD related transaction details -
7. Option – E (Enter). Press F4.
4. Print Required – N. Press F10. Wait till until progress indicator (which is on the bottom-right corner
of the screen) comes back to green. Press F3. The system generates execution report for all the SIs
selected of the type mentioned in steps 1. Please see the report.
At present request for personalized cheque books are being sent to Printing and Stationary Department
through menu option “CBSCHQBK”. Cheque books are being sent by P&S Deptt. HO in verified stage.
Some of the PCBs are received back and to avoid misue following procedure be adopted :
1) PCBs will continue to be sent to customers directly at 275 identified centres in verified stage
whereas the PCBs being sent to base branch other than the specified centres for onward delivery to
customers will be sent by P&S Department HO in ‘I’ status I.e. “Issued but not acknowledged”.
Branches have to obtain proper acknowledgement from the customer, feed the same in system so
that the chque status is changed to ‘U’ (unused) status.
2) A menu option ‘CHQSTAT’ has been customized for the branches to change the status of cheque
from ‘U’ to ‘I’ ( issued but not acknowledged) for the situations where personalized cheque book
sent to customer’s address, is returned to the base branch due to unavailability of customer ( or any
other reason). Once the status is changed system gives message “Record updated successfully”.
(TBD 52/2013)
Issuer or Verifier of Cheque book Issue Process must hold the physical stock of Cheque Books.
System will have this information through Inventory Movement Process.
Menu Option – ICHB, Function – I, Enter A/C No. In the field ‘Cheque book Ack. Obtained?’
Type ‘Y’, if acknowledgement has been obtained, else type ‘N’. Press F4.
Enter Cheque Type (select by pressing F2, say SB20 or CA100 or ANU-10) & press F4.
System will list the available Cheque books with the issuer, if any.
Select the Cheque book(s) to be issued with Shift+F4 & Commit with F10.
Menu Option – ICHBAU Function – V/X, Enter A/C No. or F2 to List Unverified Cheque Books, select
with Shift+F4. Press F4.
While verifying, Enter ‘Y’ in ‘Collect MICR charge’ field to recover Cheque book charges.
Press F4 & Commit with F10.
Another Chequebook cannot be issued in an a/c with unverified Cheque books.
If ‘N’ was given at the field ‘Cheque book Ack. Obtained?’ while issuing Cheque book, then on receipt
of acknowledgement (PNB 119) from the customer the same is to be marked & verified in the system.
Zonal Training Centre Dehradun [28]
System will not mark Stop Payments for unacknowledged Cheque leaves.
Menu Option – CHBM, Function – A, Enter A/C No. Press F4.
Select the Cheque books for which acknowledgement is to be marked
Commit by F10.
Verification/Cancellation has to be done with CHBM-V/X function.
Menu Option – INQACHQ. Enter Cheque No & Sol-ID. Press F4. Quit with F3
CHEQUE INQUIRY
Cheque Book inquiry can also be made while working in any screen or any menu option without quitting
from it. press F5 or click on Background at the menu option bar, the system will display the Background
Menu.
At the Background menu select the appropriate option, delete the number appearing in the Make your
Choice field and enter the same again before pressing F4.
CHBM screen will be displayed. Enter I (for inquire) & A/c No. & Press F4.
System shall display the same screen under the title Menu Option CHBM. The Cheque book record can
be exploded here too, for looking at status of Chequebook leaves.
DO YOU KNOW THAT A MOBILE BANKING CUSTOMER CAN MAKE STOP PAYMENT OF HIS
CHEQUES USING SMS MESSAGE SENT TO 5607040
If any IMC entry (created by Ptg. & Sty. Dept.) remains outstanding beyond 15 days from the date of IMC,
concerned branch(es) will get an alert at the time of ‘ Day End’ for next 5 days but on thje 20th day of IMC
entry remaining outstanding branch will not be able to proceed with the ‘day-end’ process unless the relative
IMC entry is dealt with.
In case new branch (yet to be opened), uptill now security forms where being sent by the Stationary
Department to the concerned Circle Office without creation of IMC entry. Now IT CBS has created one more
inventory class/code CO/CO valid for department i.e. 399600. Before dispatch of inventory HO will create
dummy IMC movement from 399600, DL/DL to 399600, CO/CO and only thereafter physical stock will be
sent. On operationalisation of IMAUM of the branch HO will transfer the stock to new branch by using
IMC option.
IMPORTANT
AT BRANCH LEVEL SYSTEM WILL NOT ALLOW TO BRING THE INVENTORY FROM EXTERNAL
LOCATION ( I.E. ZZ/EXT) SINCE PRINTING AND STATIONARY DEPARTMENT IS DIRECTLY
ENTERING THE SECURITY FORMS IN THE LOCATIONS OF BRANCHES. (ITD CBS 80/2013)
CLEARING OPERATIONS
OUTWARD CLEARING
1. In CBS all cheques sent to clearing house are sent after opening a zone each day and entering all
the cheques under that zone.
2. All cheques are lodged by opening a Zone of specific latency period each day.
3. Latency means the number of days from the date of opening after which the system would allow
to release the zone to shadow balance i.e. day when cheque amount credited to customer account.
4. Shadow balance reflects the amount which has been credited in the account but can not be
withdrawn since it is under clearing.
Date of zone can be BOD or any future date. Now the cheques can be lodged. It is possible that more than
one user can lodge instruments in a single zone or separate zones can be opened for different users as per
requirement in the branch.
FOR TYPE 1
MENU : OCTM Function A
1. Give date & name of zone press F4 A set number is generated. Note set no on the face of voucher
2. Put account number press <TAB> Put amount press F6
3. Put instrument number press tab key.
4. Put sort code from the instrument i.e. combination of bank code & branch code press tab
For LDD zone bank code is always 024 and sort code give branch distinctive number.
5. Amount is already populated there, press tab press F2 & select appropriate code (optional)
6. Press down arrow key (key board)
7. check if credit amount & instrument amount same.
8. Press F10 and go for another set. Continue the process till all instruments are lodged.
FOR TYPE 2
MENU : OCTM Function A
1. Give date & name of zone pressF4. A set number is generated. Note the number on the
Face of the voucher.
2. Put account number and press TAB put amount press F6
3. Put instrument number press tab key.
4. Put sort code from the instrument i.e. combination of bank code & branch code press tab.
5. Put amount of the instrument by altering the amount shown on the field, press down arrow key
(key board) enter instrument number press tab sort code, amount of the instrument as before and
continue with down arrow, if there are further cheques until all cheques are entered. Check if
credit amount & instrument amount are same.
6. Now press F10 and go for another set. Continue the process till all instruments are lodged.
FOR TYPE 3
MENU : OCTM Function A
1. Give date & name of zone press F4. A set number is generated. Note the number on the
Face of the voucher.
2. Put account number and press TAB
3. Put amount press down arrow cursor will come to account number. Repeat as above and
Continue until all account numbers are entered. Than press F6
4. Put instrument number press tab key.
5. Put sort code from the instrument i.e. combination of bank code & branch code press tab.
6. Put amount, press down arrow key ( key board)
Zonal Training Centre Dehradun [31]
7. Check if credit amount and instrument amount tallies. Press F10
INWARD CLEARING
Inward clearing cheques are also required to be lodged in a new zone every day.
1. Press TAB twice and press F2 and select zone & then press F4
2. Enter the bar amount i.e. total amount of cheques received from clearing house.
3. Enter the number of instruments
4. Enter the number, if any and date
5. Press F4 & F10.
1. Press Tab Twice & specify t he zone name that you have opened & press F4 Fill up the details
2. The moment account number is filled up press transmit key and see whether the available
amount permits passing of cheques ( this is indicated in the lower block of the screen). If
available amount is less than cheque amount enter the cheque but keep it separately, so that
return can be marked.
3. At carving required ? flag put ‘Y’
4. At rejection flag put ‘N’. If it is to be returned put this flag as I
5. Press down arrow key for each cheque entry, After all cheques are entered press F10
6. Get back to menu MICZ function I
7. Put the zone name press F4 put S in option block & press F4. It will show whether all cheques have been
entered. If there is short / excess claim then check the entries. Please handover the cheques to the
clearing incharge for verification.
For cash order received in clearing in the block for instrument number put branch serial number e.g. 103
and not 103/06 after putting the instrument date press F6. It will go to next page. Put in alpha number
and the printed cash order number i.e. alpha number and numerical number in the field for reference
number and press F4.
1. First of all check if total number of instruments and total amount of cheques received from
clearing house is entered correctly or not.
2. This can be done through menu option MICZ, Function I specify the zone name press F4
3. Put ‘S’ in the option block press F4. Check if the bar credit amount tallies with clearing figure
and customer/ office debit amount.
4. If not ensure all cheques have been posted and no cheque has been posted more than once.
5. If it is found correct, go for verification of individual entries through menu option ICTM,
Function ‘V’ press F4 twice all entries are displayed in selection mode.
6. Use down arrow key to check all the entries and finally Press F10 for verification of all cheques
together. If the balance available in the corresponding accounts in which cheques have been
received is to be checked use Menu option ICTM function I for inquiry.
7. Specify zone name and date, Press F4 twice. The entries will be displayed.
8. By pressing down arrow key the >indicator moves down. Corresponding accounts available
balance is displayed.
9. In case of insufficiency of balance press down arrow and see through the cheques details.
10.Accordingly decide which cheques are to be returned. Handover the cheques to CTO for making
necessary modification for returning the cheque i.e. carving as N and rejection as I in menu ICTM
function M.
1. While entering the cheque in ICTM option, mark a cheque returned by putting the ‘Rejection’
Zonal Training Centre Dehradun [33]
flag as I and Carving flag as ‘N’
2. If not done subsequently also a cheque can be returned through Menu ption ICTM function M
3. Specify zone name press F4 give cheque number press F4. The entry page will appear, Press
TAB key and move to carving boock make it ‘N’ & rejection ‘I’ and press F4.
4. Selection rejection code Press F4.
5. Modify charges if required. Accept by pressing F4.
6. Specify the presenting bank code (select from list available) Press F10
7. This requires verification by authorized official by menu option ICTM, Function V.
Use menu REJREP . Give the clearing type as I for inward and O for outward and ill up the other details.
1. After verification of all entries in inward clearing SUSPEND the zone Menu MICZ (S)
After suspending the zone you cannot further add any instrument to the zone. Function ‘R’ may
be used for revoking suspension if required.
2. Run the validation run before posting the menu MICZ, function V, it will ask for report file
name mention it as iclg_Val.mrt The validation report will show which cheques will not be
posted in the normal course. Take necessary steps for posting of these cheques.
3. Post the zone with menu option MICZ, Function P , if all entries are not posted from here it will
give Transaction Id and give message that posting failed. Note the Transaction Id and post the
left over entries through TM menu. Again post the zone and check if all entries are posted.
4. Finally close the inward clearing zone by menu MICZ function Z.
1. Best option is to collect the cheque in sundry- Bills through clearing. When zone is cleared,
realize the bill from BM R function but change the realization account to the sundry bills
account.
2. If ODD is credited directly then it requires portioning details which may not be available to the
clearing In charge. Also the ODD will outstand in BM unnecessarily.
IF MEMBER BANK/BRANCH DOES NOT PARTICIPATE IN CLEARING HOUSE
1. If the information is received before the zone is released to shadow balance, the sets pertaining to
concerned Bank/Branch can be transferred to a new zone – opened for next date (With same
Home clearing flag) through KMCLZOH-T option (also by TROFSETS option) verify again.
2. If information is received after the Zone is released to shadow balance, the instruments pertaining
to concerned Bank/Branch should be marked pending with MARKPEND menu option. On
regularization of Zone remaining instruments will be cleared and zone status shall remain
partially regularised.
3. On clearance, use REVPEND menu option to revoke status of instruments marked as pending
and run regularization process again (MCLZOH-G)
Zonal Training Centre Dehradun [34]
CLEARING LOCALITY REFERENCE CODE – ENHANCEMENT
1. The application provides a link between the branches and the clearing centre in which
they participate.
2. In the present version the listing of branches is done, irrespective of whether they
participate in clearing or not.
3. There is a provision for entering the clearing locality code while opening the outward
clearing zone.
4. While entering any outward clearing instrument data, user will get only those branch
lists whose clearing code matches with code in BRTM.
Instrument lodged and verified in OCTM can be modified before release to shadow balance. System makes
a check that even if a single modification is done in the set, the entire set needs to be verified again.
MICR Code is a unique 9 digit number assigned by RBI to the branches of banks across India. The
constitution of MICR Code is as under:
Circle office ZC user or Data centre DC user has been given the powers to modify / enter MICR
code through menu option ‘BRTM’
PNB Branches as well as other bank’s MICR can be updated by ZC/DC user as per procedure
laid down in ITD CBS Circular no. 10/2014 dated 21.03.2014
TRANSACTION MAINTENANCE
AVAILABLE SUB OPTIONS: MENU OPTION "TM"
A/c Number field – if after filling in details of transaction F4 (accept) has been pressed the a/c
number in the transaction cannot be changed.
Instrument type - cannot be changed in case of debit transactions.
Instrument date - cannot be changed in case of debit transactions. The date is validated by the system
for staleness
TM --OTHER FUNCTIONS
TO SEE THE JOINT HOLDER IN THE ACCOUNT WHILE POSTING THE VOUCHER.
Explode (Ctrl + E) in account number field in any Menu in the system will open the ACI menu. From this
menu open the ACLI ledger Inquiry menu with ‘G’ option.
TM-‘M’/’I’ FUNCTION – ‘B’ OPTION. GIVES SAME SCREEN AS ACCBAL. IN ACCBAL THE SHADOW BALANCE
IS THE POSTED OUTWARD CLEARING AND THE FLOAT BALANCE ARE THE CHEQUES ENTERED IN TODAY’S
CLEARING BUT NOT RELEASED TO SHADOW BALANCE.
THE SYSTEM RESERVED AMOUNT GIVES THE INWARD CLEARING CHEQUES CARVED (ENTERED BUT NOT
POSTED) BY THE SYSTEM.
For a transaction of repetitive in nature, a template should be created so that it can be used every time
to avoid creation of transaction again and again through TM.
Function – A (Add) to create a new template. Other functions are D-Delete, U-Undelete, M-Modify, I-
Inquire & L-List of Templates.
Temp. Id (Mandatory) – Enter id to be allotted to this template. It’s a free text field of 9 chars long.
Particulars – Enter the particulars of template. It’s a free text field. Press F4.
Type/Subtype (Mandatory)- Enter the type of transaction similar to TM. Enter C for cash or T for
transfer. In the subtype field, enter the subtype similar to TM ; Press F4. The cursor will appear in
Specify option field.
If a new part tran is to be added, enter E in this field (which appears by default) and press F4.
A/c No – Enter the account no. and press F11 twice.
Enter the transactions details like amount, type of part tran (C-Credit or D-Debit), which is mandatory,
Instrument type etc. similar to TM. Press F4.
The cursor will appear in Specify option field. Fill up details of all the part trans as desired.
Once all the part trans are entered, press F10 to commit/save the template.
Press F3 to quit from menu option.
After the template is saved, it can be used any number of times.
USING TEMPLATE
After running “Token” Menu in CBS Cashier shall enter the Transaction ID from the instrument presented to
him/her for cash payment . The screen will populate the details such as Account Number, Instrument Type,
Instrument Number, Amount, Tran Particular, User ID of maker (Entered User) & User ID of Checker
(Posted User) and Status.
After entering Transaction ID in the Token Menu, If the Tranasction is not found posted in the system, a
message will be displayed that “The Transaction is not posted . Please post it first “.
After posting all the details , the system allows user to enter token number. Token Number will be filled by
the user which will be saved in the system and a massage will pop up ” Do you want to submit more records
(Yes/No)”. In case any other token is to be entered in the system, user has to press “Yes” or otherwise
press “No”.
“Token “menu in CBS system has been enabled with the following functionalities:
For transferring funds between CBS branches in Non-customer accounts (Office Accounts), a new menu
option `ISTRF - Inter-Sol Transfer of Funds' is available where the funds on account of Non-Customer
accounts in CBS branches can be transferred to other CBS branches without involving TPOs/Advices.
Only Transfer, Bank Induced (T/BI) type of transactions are allowed into the account opened for the
specific purpose of transfer of funds between CBS branches for non-customer accounts through this
menu option.
The Branch Remitting the Funds to another CBS branch to the credit of a Non-customer Account should
follow the procedure as under:
All the transactions relating to transfer of funds to a CBS branch for the credit to a Non-Customer
account should be routed through an account bearing number <beneficiary sol Id>3171160 - NON-
CUSTOMER INTER BRANCH FUNDS TRANSFER.
(1) In order to put the transactions into this account invoke menu option `ISTRF - Inter-Sol Transfer
Transaction Menu'.
(2) The system will display following details needed to be entered:
i) Debit Account no: Enter the account number, which is to be debited.
ii) Transaction Amount: Enter the amount of transaction in this field.
iii) Credit Sol Id: This is the Sol-Id of the branch to which the funds are required to be remitted.
iv) Tran Particulars: Enter the details of remittance in this field.
Zonal Training Centre Dehradun [39]
v) On entering all the aforesaid particulars press F4.
vi) The system will create a transaction in entered stage and show the `TM - Transaction
Maintenance' screen interface where post the transaction and note down the Tran Id.
PROXY POSTING
While doing the End of day operations, system validates for any unposted or part posted transactions. If
any unposted or part posted transactions are found then End of day operations cannot be carried out
until the transactions are posted.
The ends of day operations are done by the Data Base Administrator who may not be a part of regular
branch operations. If any transaction is in unposted/part posted status, then it will be difficult for the
Data base administrator to continue with the day end operations.
In such scenario, he may have to either postpone the process, which may affect normal working next
day, or he may have to initiate posting of transaction as a general user. Some times posting may
involve granting of temporary overdrafts, which may not be within his discretion.
In order to reverse the transaction online invoke the menu SPTM – System Pointing type transaction
maintenance - R . Using this option following activities can be done:
-- Reverse transaction
-- Verify reversal
-- Generate reports
-- Inquire
There are various criteria for selecting record for reversal of proxy posted transaction.
Once the criteria and F4 is given selected records based on the criteria shall be displayed.
The following options are available at this point:--
The screen displays information on various transactions that have resulted in reversal of the original
transaction. From here <explode> and go to transaction maintenance screen to view further details, if
required.
QUOTING OF PERMANENT ACCOUNT NUMBER (PAN)
As per guidelines quoting of permanent account number (PAN) may not be insisted upon for each
transaction for purchase of demand draft, etc. of Rs.50000/- and above by debit to customer’s
accounts if a customer has furnished PAN at the time of opening the account or subsequently.
To meet above requirement of Reserve Bank of India and to enable to inquire before issuance of a
demand draft, traveler cheque, mail transfer or telegraphic transfer etc of Rs.50000/- and above
whether the customer has furnished PAN number in his account or not, a new menu option
‘PANINQ’ (PAN Inquiry) has been enabled.
Each time a customer comes with the request for issuance of a demand draft, traveler cheque,
mail transfer or telegraphic transfer of Rs.50000/- and above, invoke PANINQ option, enter the
account number of the customer against the a/c number field and press F4.
If the customer has already furnished his PAN number and the branch has captured it against the
PAN/GIR number field in his CUMM and has verified CUMM, the system would display message at
the bottom of the screen: -
“A/c No ____________ PAN / GIR No: ______________”
If the system displays above message, do not insist for quoting of PAN number and issue the
demand draft, traveler cheque, mail transfer or telegraphic transfer.
If the customer has not already furnished the PAN number or he has furnished but the branch has
not captured the PAN number against appropriate column in CUMM, the system would display
following message at the bottom of the screen: -
“PAN/GIR number not found for this account number”
In such case, insist the customer for quoting of PAN number. After obtaining the PAN number,
capture the same against PAN/GIR number field through menu option CUMM in modify mode and
verify modification.
PANINQ menu option only enables to know if the customer requesting for purchase of demand
draft, traveler cheque or for issuance of mail transfer / telegraphic transfer has furnished his PAN
number and the same is available in the system.
It does not restrict issuance of draft, traveler cheque, mail transfer or telegraphic transfer in case
the PAN number of the customer is not available in the system.
Before issuing the draft through menu option <TM> user has to invoke the menu option <DDCTS>. This
menu option will select the type of inventory available with the branches. Type ‘A’ in the function field, the
sol-id will be auto populated by the system. To make a selection, user needs to type NEW for printing the
DD on CTS-2010 format or type OLD to print the DD on the non-CTS 2010 compatible (existing) format.
After selecting the proper inventory the user has to issue & print the draft using the menu options already
available with them.
The system will print the draft on the inventory type selected by the user till the user again executes the
menu option DDCTS for changing the selection of inventory type.
The user doesn’t needs to make the selection again at the time of printing of draft on next working day if
the available inventory is same as selected by the user on the previous working day. However, if the
inventory type is changed, user has to execute the menu option DDCTS again to select the available
inventory.
2.The system performs the check based on the data entered in the field “Purchaser Name” while issuing a
Demand Draft.
i) While a DD is being issued through cash, the system will not allow to enter any spaces in between the
characters in purchasers name. It will allow running character only.
ii) While issuing multiple DDs to the same purchaser in a day, irrespective of the SOL (Service Outlet), the
system will calculate the sum of amount of DDs already issued (if any) and the one to be issued and if the
sum aggregates to or more than Rs. 50,000/- in a day, (including the current DD which is being issued) the
system will not allow to issue the DD thro ugh cash.
a) A report (DAYRPT 10/58) which will contain the record of DDs issued through cash on present day.
The input to the report will be the purchaser name which was originally fed into TM menu while
issuing the DD.
b) For backdated data, report (PNBRPT 10/24) which will contain the record of DDs through cash on a
given day. The input to the report will be the date and the purchaser name which was originally fed
into the TM Menu while issuing the DD.
INLAND BILLS
Bills are the integral part of the Banking Activities irrespective of the fact whether they are Inland Bills or
Foreign Bills.
Further, the above mentioned bill types can be Outward or Inward. Finacle supports all types of bills
mentioned above. The following activities relating to bills can be undertaken through Finacle.
As regards charging of commission, Bank/Other charges & Interest calculation (in case of purchase of Bills)
is concerned, system automatically prepares the related transactions which can be modified in case of need.
Various types of Bills Registers depending upon the type of bills have been defined in the system. While
lodging a bills a user has to select a Register type and then sub register type under which the bill is to be
lodged.
LODGE A BILL
1. Invoke menu option BM and press Enter key.
2. Enter Function. Select a function i.e. G for lodging a bill and press Tab key three times, the
cursor will appear at the Reg. Type field.
3. Enter Register Type in which the bill is to be lodged. Or select the Register Type from the list
which appears by pressing F2 and then press Shift+F4 key for selection. Here let
us select Reg. Type as ODBC. Press Tab or Enter key to go on to next field i.e. Reg Sub Type.
4. Enter Reg Sub Type as DBILL or select the Reg. Sub Type from the list & Press F4 to go on to
next block.
5. As soon as F4 key is pressed the cursor will go on to Lodger A/c field and system shall also
display Bill id No. duly generated. If at this stage if Bill’s detail has not been entered and the user
comes out of the screen this Bill id shall go waste. System shall generate a new Bill id no. if the
user again starts to lodge the bill. Enter Lodger A/c number (in which the proceeds of the bill
shall be credited on realization of ODBC) and press F11. The system shall display the customer
id and the name of account holder and the cursor will appear at the Bill Amt.
If the account number is not available or a new account shall be opened after realization of
ODBC proceeds, then Lodger A/c field and next field can be left blank and in third field shown
against the Lodger A/c, the name of the customer can be entered which the system shall accept.
6. Enter Bill Amt and press Tab to go on to the Date field.
7. Enter date of the bill being lodged and press Tab, the cursor will go on Drawee field.
8. Enter the drawee name in the last field and address in the fields provided and press Tab to go to
the next field i.e. Coll. Br.
9. Coll. Br. This is the field where the Bank, Branch & Name of the Bank where the bill is being
sent for collection is to be entered. Enter Bank’s Code as 024 for PNB, 001 for RBI, 002 for SBI
etc. and Branch Distinctive Number of the branch where the bill is being sent for collection.
The detail of the Bank Code & Branch Code can be selected from the list which is available by
press F2. Further, if such detail is not available then the name of the
bank can be entered in the last field. Press Tab and enter the Address of the collecting Bank,
Branch. Press F4 to go to the field Drawer.
10. Generally, the drawer’s name shall be picked by the system from the Lodger A/c, but in case the
drawer of the bill is different from the said account name then name & address of the drawer
can be entered in the fields provided. Press Tab, the cursor will appear at the Lodger Ref.
Field.
11. Enter Lodger Ref. i.e. customer reference number, if any, in the Lodger Ref. Field & press Tab
to go on to the Field Carrier Code.
12. Enter Transporter Operator Code in Carrier Code field, from the list which can be seen by
pressing F2. Carrier Code is the Goods Transport Co. Code, through which the drawer has sent
the goods to the drawee. Press F6 to go on to next page & the cursor will appear at the field on
Transit Period.
13. Transit Period: this is the normal transit period within which the proceeds should be realized if
the period is more, then the same can be modified. Press Tab to go on to the next field i.e.
Grace Period.
14. By default the grace period is given 3 days if the same is required to be modified that can be
done. Press Tab to go on to the next field.
15. Tenor Desc is the field for displaying the usance period if the bill not otherwise payable than on
demand, then sight is tenor which will appear here. Press Tab the cursor will move on to the
Zonal Training Centre Dehradun [45]
Due Date field.
16. Due Date is the date within which the bill should be realized. This is calculated on the basis of
number of days of Transit Period plus Grace Period added to the Lodge Date. In case of Usance
Bill this date shall be the date of tenor plus grace period. Press Tab to go on to the next field i.e.
DC/DPG/Co-Acpt?
17. DC/DPG/Co-Acpt? This field is applicable in case the documents are presented under
Documentary Credited of which the detail has been captured under IDCM in case of outward
bill. In such case L can be entered for the documents presented under LC otherwise N is to
remain. Press Tab for next field.
18. Bill Group Code: select the appropriate code from the list if the bill is Clean, Documentary, for
ATM entries, Cheques for RCC. Press Tab to go on to next field.
19. Comm. Tbl. Code: Select the appropriate table code for charging the commission from the list
which is available by pressing F2 Key & press Tab to go on to the next field TBR?
20. TBR? Enter Y if the bill is under Trade Bill Rediscounting scheme which is not relevant here.
Press Tab to on to the field Non Pay/Acpt Dt.
21. Non Pay/Acpt Dt.: this field is applicable in case of usance bills only when the bill not
accepted or has not been paid then the date of non acceptance or non payment is entered here
under modification mode under the menu option BM only. Press Tab to go to the next field i.e.
Invoice Dt.
22. Invoice Dt.: Enter the date of Invoice if submitted with the bill. Press Tab for the next field
Transport Dt.
23. Transport Dt.: Enter the date of GR or RR i.e. the date on which the goods have been
transported to the Drawee. Press F6 to go on to the next page, the cursor will appear at the Doc
List Field.
24. Doc. List: Enter the detail of documents. If the documents are more which require more space
to enter then Press Ctrl E the system will display 6 more lines to enter the detail. Press F4 and
then Tab, the cursor will appear at OD Intr % field.
25. OD Intr.% : Enter OD interest chargeable to the party, if any. Press Tab, the cursor will
appear at the next field i.e. Free Code 1
26. Free Code 1, 2 & 3 fields can be entered if applicable from the list available by pressing F2.
Press Tab to go the field Rebate Date
27. Rebate Date enter the date upto which the rebate is to be allowed. Press Tab to go to Rebate
% field.
28. Rebate % Enter the %of which the rebate is to be allowed. Press Tab to go to Rebate Amount
Field.
29. Rebate Amount : Enter the amount if the rebate amount is absolute instead of percentage as
explained in the previous field. Press Tab to go to Health Code field.
30. Health Code: Enter the applicable code from the list. The next two fields are not required to be
entered in case of ODBC. Press F6 to come on to the first page of General Details of Bill.
Press F4 to go to the Option Field.
31. Press F10 to commit & note down the Bill id no. in full.
32. Verify the Bill.
Verification of Bill Lodged can also be done through the menu option BM by the user other than
who has lodged it.
To describe the procedure please look at the steps described above under the head HOW TO LODGE AN
ODBC BILL above. The applicable steps have been described hereunder.
4. Enter Reg Sub Type as C-OTH or select the Reg. Sub Type from the list & Press F4 to go on
to next block.
5. Follow the procedure as described at Step No. 5 above. However, in place of Bill amount we
have to enter the Cheque Amount.
6. Repeat procedure as described at Step No. 6 however in place of Date of Bill, here it will be the
date of cheque.
7. Repeat procedure as described at Step No. 7 above.
8. Repeat procedure as described at Step No. 8, however, in place of Drawee, the name shall be the
Bank’s name on which the cheque is drawn.
Follow the procedure as described at no. 9, 10, 11 under the head HOW TO LODGE AN ODBC BILL.
12. Field for Carrier Code. This is not applicable here.
13. Normal Transit Period in which the proceeds should be realized is displayed by the system. If
required, this period can be changed.
24. Go to step no. 24 and enter the cheque no. and other details of cheque.
30. Press F6 to come on to the first page of General Detail & press F4 to come on to the Field.
31. & 32. Repeat steps.
REALISATION OF ODBC BILL (Realisation proceeds received from our Bank’s Branch)
NOTE: THE SYSTEM SHALL NOT POST THE TRANSACTION IN CASE IT ENCOUNTERS ANY
EXCEPTION IN THE ACCOUNT IN SUCH SCENERIO THE LODGERS ACCOUNT WILL NOT BE
POSTED WITH THE PROCEEDS OF THE BILL.
1. Menu option BM function R/N Mass flag ‘Y’ Register type, sub type press F4
2. Enter selection criteria to pick up outstanding bills. Press F4
3. Select Bill(s) to be realized ®.Dishonored (N) and shift F4 Press F4
4. Enter Option R/N-F4 to enter realization / dishonor details for first selected bill. Enter other bank
Charges, if any or modify an y other applicable charges & press F4
5. System will create Transaction Note Tran-ID
6. Enter Option –L Press F4 to view all transactions, Press F3 to be back
7. If required, modify the generated transactions for charges with Down-Arrow & M option
8. Enter option A Press F4 to accept transactions and quit
9. If non customer account is involved use option ‘S’ and press F4 to select entries
10. Press F10 to commit.
When a bill is sent for collection and later on request of the customer that it is to be purchased,
the bill is required to be transferred from the existing register to the purchase register:
1. Invoke function T in BM menu option
2. Enter bill ID the bill to be purchased and F4
3. The purchase screen is displayed by default the system shows margin as 100% and entire amount
of the bill in the margin field which can be modified if desired.
Zonal Training Centre Dehradun [49]
4. ON acceptance and commit the bill is purchased and transferred and a new number is allotted to
the bill as purchase type
5. The process require verification.
1. Generate the report for all register types and sub register types through menu option
BRCR (Balance report collection)
2. This report should be tallied with GL figures.
3. GL balances can be generated through menu option ACLI by giving account no. (say
For ODBC- 3231201 etc.)
4. If there is any difference the same should be located through menu option PARTINQ/
PHINQ
5. The system displays bill wise debit and credit entries.
OPTION DESCRIPTIONS
BM Bills Maintenance
BICN Bills Interest Calculation (non bill by bill)
BRV Bills Reversal
i) To reverse the status of the bill , in case a wrong bill is selected for further processes to
lodging and verification is also over.
ii) If the bill has undergone more than one process, then also the status can be brought
back to lodge process and then it can be even cancelled.
BMCM Bill Message Code Maintenance
BIDUMP Bill Dump
OPTION DESCRIPTION
OPTIONS DESCRIPTION
BEHI All events that happen on a bill are stored in the system and is available for
enquiry at any point of time and can be viewed by giving a Bill Id. Enter ‘E’ or ‘C’
Bills Events and do an explode - to view transaction details for a particular event or
History Inquiry contingent liability transaction
BI To inquire on any of the bills lodged in the system. Press Enter in the output
screen to view next screen. User can go to Bill Maintenance screen in Inquiry
Bills Inquiry mode by using Explode.
BLRTI Bill Register Type Inquiry : For parameter inquiry of registers
FI Fate Inquiry
DN DUE NOTICE
Renewal of TD a/c in the same currency – Same account id is retained. Each renewal is assigned with a
unique serial number. The maximum number of renewals under the same account number is 999.
Renewal parameters captured at the scheme level gets defaulted to the account which can be
changed during tenure of the deposit.
Renewal can be made for the M - Maturity value, F-Fixed amount, P -Principal component only, I-
Interest component only, A- Additional amount +Maturity value.
A new column ‘Renewal Option’ has been introduced to capture the appropriate value for this in the
scheme details of the account. This column is also available in the TDREN menu.
A new column ‘Source for Additional Amount’ has been introduced to capture at the A/c level in
Scheme details/TDREN menu to specify the funding account for Additional amount. In case of
Renewal for (Maturity value + additional amount) or Fixed amount (less than the amount required
for renewal), the funding for the differential amount can be through an operative account/cash.
Renewal confirmation letter can be printed in lieu of Deposit receipt online or using TDRCL menu. A
new column ‘Print Renewal Confirmation’ has been introduced for the user to specify the option for
immediate print/printing later.
Renewal Grace period can be specified. (i.e., batch renewal should consider the accounts for
renewal after completion of grace period specified at the scheme level. For instance, if the deposit
matures on 31st May 2005 and the scheme level grace period is 5 days, then the deposit will be
considered for Auto renewal during batch process on 6th June 2005. During the grace period the
customer has an option to close the deposit.
For renewals with additional amount and fixed amount which is greater than the maturity value for
the account, it is mandatory to enter the source (Funding) account for the additional funds
If the renewal is for the maturity value and there are no payment instructions, lien regularisation or
TDS shortfall recovery then no transaction will be created during renewal process. However, as part
of maturity renewal if the GL sub head changes, then transaction will be created for the GL subhead
effect
The history record of the original account will have:
o Part closure history, Transaction history, A/c open date, Open effective date, Date of
closure, Maturity date, Interest Table code, Original deposit period, Original deposit amount,
maturity amount, Renewal option, Amount of Overdue interest paid, Interest amount, TDS
amount, Tran id & tran date of Renewal transaction, additional amount added/Fixed amount
renewed from this account, the scheme under which the account is renewed.
During renewal under a different scheme code, the following values are default populated from the
new scheme:
Int Paid, Int coll, Serv Chrgs, account turnover details, deposit type, and value for ‘break in steps of’
defaulted from the new scheme
The W/tax percent is defaulted from the customer master,
The values for the following fields are defaulted from the original account.
In the Renewed A/c. the Auto Renew option will be set to M – Maturity value renewal
Batch renewal of TD accounts is enabled through TDBATCH option 1. Automatic Renewal. This will
consider those accounts for which auto renewal is enabled
The Renewal related parameters can be specified under Scheme Details tab of OAAC and ACM.
During auto renewal, if the specified renewal option could not be executed due to insufficient funds
or lien on the TD account, then renewal will happen for the net maturity value. For all renewal
failures, the system generates a failure report.
Only T & R type of Deposits can be renewed.
Notice Deposits and Certificate of Deposits cannot be renewed
Deposits cannot be renewed under ‘R’ type of deposit schemes,
All operations on the account should be up to date including interest and TDS calculations,
The renewal transactions are created during verification process. Hence, during online renewal if
sufficient funds are not available in the source account during verification , the renewal will fail. In
case of batch mode, if sufficient funds are not available the renewal will fail and a failure report with
reason for failure will be generated
In case of Fixed Amount Renewal, the shortfall amount, if any will be taken from the funding
account and hence mandatory in such cases. There is no validation on the Renewal Deposit amount.
In case of Maturity amount renewal, if there are no Payment instructions, lien regularisation or
TDS/shortfall recovery no transactions will be created.
TDREN can be processed for a single account at any time. As part of renewal it is possible to renew
confirmation letter or defer it for printing later.
As a consequence of this, the Renew function – R has been De Supported in Account opening and
Account closure menus.
As per new process, the system will check the eligibility of additional interest for Sr. citizen, Staff,
Army/Navy/ air force group Insurance customers on the basis of customer data entered in the system and
appropriate interest table code will be automatically populated while opening the term deposit account and
branch user will not be able to enter any account preferential at the time of account opening/modification in
the account
For new term deposit account while opening new term deposit account, interest table code will be
automatically populated in the system as described hereunder
3 Fixed deposit accounts for Appropriate interest table code for staff + Sr.Citizen will be
Staff and Sr.Citizen automatically populated on the basis of date of birth entered
in customer master and employee id in the customer master.
4 Additional interest for Appropriate interest table code for Army/Navy/air force group
Army/Navy/ air force group Insurance accounts will be automatically populated on the
Ensure correctness of customer data entered in the system ( Date of Birth, Customer Type, Employee Id,
Army/Navy/Air Force Insurance Group code)
The existing account will have interest preferential till its maturity date. Necessary modifications have been
done in the system so that on maturity, at the time of auto renewal, interest rate codes of all these accounts
will be modified/updated automatically as per the new created interest table codes before the renewal of the
accounts and on the date of renewal the account preferential will be made Nil by the system.
The modification / updation of newly created interest table codes in these accounts at the time of auto-
renewal will be based on customer profile i.e. whether the account is of Senior citizen, Staff, Staff in Sr.
citizen category, Army/Navy/ air force group etc. (as eligibility criteria described above for new accounts)
To facilitate the correction of preferential rate codes and interest to be given to the senior citizen and staff
members, a new menu option PRFUPD has been customized in the CBS system.
Detailed process is illustrated hereunder:
After pressing F4, the system shall make the necessary modifications as per the category of customer,
and the correct interest table code and the preferential interest shall be corrected as per the guidelines.
For the accounts where the interest table code, and preferential shall be corrected from open effective date,
a message shall pop up on the screen confirming that the INTTM has been modified and advising the user
to verify the INTTM for the account. INTTM must be verified for the account
For the accounts where change in the new interest table code as per the applicability shall be applicable
after renewal, the system shall pass a message on the screen “Run PRFUPD after renewal of account”. For
such accounts, the menu option PRFUPD must be run again after their renewal. At the time of ABH, the
system will force the user to run PRFUPD for correcting the Intt table code and preferential.
(ITD CBS 55/2014 dated 30.09.2014)
The new scheme has the facility by which, the customer can opt for the auto renewal facility in the account.
For enabling the auto renewal facility, after the original account has been opened and Deposit Receipt
printed, invoke ACM (M) mode, sub option S (Scheme details) and fill the following details:-
Print Receipt flag : N,
Press F6 from here and fill in the following particulars
U (Unlimited) ; N (No auto Renewal)
Here select U (Unlimited option), which will auto renew the FD for unlimited number of times. If customer
does not want auto renewal here select ‘N’ only.
Max Renewal Allowed: This field will be applicable when Limited Auto Renewal option is being used.
Here user can mentioned number of times auto renewal desired.
In the field “Max Renewal Allowed / Done”, the max Renewal Allowed figure displays the number of
times Renewal is allowed whereas Done field gives the number of times the FD has been renewed.
Here, if the customers demand an auto renewal facility for limited no of times, fill in the number of
times the auto renewal facility is required.
If customer desires renewal option with principal + Interest mention ‘M’ and if customer desires
auto renewal with Principal amount mention ‘P’.
Renewal scheme code: Valid term deposit scheme code.
Renewal GL Subhead code: 10100
Renewal Period: Mention renewal period for which customer desires Auto renewal
Renewal Intt. Table code: TDGEN
On pressing F4, the system will give a warning that the default scheme parameters have been
changed.
On the maturity date, the system will execute a batch job, which will renew the account automatically. As
per guidelines, in case of Auto Renewal, no fresh FDR will be issued but a communication will be sent to the
customer informing him about the details of the renewed FD.
(1) Where customer does not opt for auto renewal of FDR in the account opening form: If
customer does not opt for auto-renewal of FDR, user has to enter (N) in the field auto-renewal in
scheme detail on second page.
(2) Where customer Opt for renewal of FDR for Principal and Interest amount only: If
customer opt for auto-renewal of FDR for both principal and interest, user has to enter (M-
Maturity value) in the field renewal option in scheme detail on second page and U in the field
Auto-renewal.
(3) Where customer Opt for renewal of FDR for Principal amount only: If customer opt for
renewal of FDR for principal amount only than user has to enter (P- Principal only) in the field
renewal option in the scheme detail.
(4) Period for which Auto Renewal required(Months/Days): Period of which auto-renewal can
be defined in the field renewal period in scheme detail.
(5) Number of times renewal required: The same can be entered in the field Max renewal allowed
in scheme.
The extension of the existing account can be done using the menu OAAC (E) mode. In extension, the
system will close the original account and open a new account. The extension shall be done from the BOD
date and not with any retrospective date.
EXTENSION OF DEPOSITS – 'TDEXT'
Currently, the Extension of Deposit is being handled by premature closure of the existing deposit a/c
without penalty and opening the account in Extension mode.
Spectrum deposit scheme provides for part closure of the FDR opened under the maturity option
(FDMPB, FDMSB, FDSUP, FDSUS) in the multiples of Rs. 1000/-.
In case a customer demands the part payment of FDR, use CAAC menu and give the amount (in
the multiple of Rs. 1000/-) that needs to be withdrawn in the amount field.
The process will generate a report giving the details of the transaction and the interest applied on
the amount part withdrawn.
The process needs verification by an authorized official.
In case part closure is sought for a deposit against which loan/OD has been provided.
In such case shall first delete the SRM, make the part closure and recreate the SRM for the balance
amount.
The DP in the related Loan / OD account may also be suitably modified
1) Specify the ‘Repayment A/c. ID’ i.e customer account to which the proceeds Of FDR are to
be credited on maturity while entering data in OAAC/ACM option(S)
2) Set ‘Auto Closure’ flag to Y in scheme detail( 2nd page) in OAAC/ACM option(S)
3) Modify ‘Auto-renewal flag’ as (N) in scheme detail (2nd page)in OAAC/ACM option(S)
4) Run option 2 & 3 of menu option TDBATCH daily at any time without entering
the account no.
System will automatically credit the proceeds of FDR on maturity date to the operative account
with the above mentioned steps.
The Deposit receipt will be printed on a new format. As such the person who is printing the deposit receipt
shall ensure that the inventory related to deposit receipt has been transferred to the said user.
Ensure Ilinkweb is running and security forms have been transferred print the Receipts,
Menu – DRP. Enter Selection Criteria for FDRs to be printed and press F4.
System displays all records in select mode. Deselect a record with Shift-F4, which is not to be
printed. Press explode to see more details.
Otherwise, press F4 to go to print parameter screen. The system will show the field Dr Print Ind?
Default is S for system. (Replace M with S ). Press F4 again.
To ease the capturing of correct TDS rate code and PAN Number for the Customer Ids where no TDS Rate
code is present or TDS rate code is present as TDSGE but pan number if blank a new menu option
“TDSCODE” has been customized. List of customer Ids identified for the following cases:
a) Customer Ids where PAN No. Is blank but TDS Rate Code is filled as TDSGE
b) Customer Ids where both PAN No. & TDS Rate code are blank.
Case 1 - If customer has not provided PAN Number then TDS Rate code =TDSPN
Case 2 – If PAN Number has been provided than appropriate TDS rate code should
be entered.
Enter a/c no. in BOTH ‘Account No. From’ & ‘Account No. To’ fields
‘N’ in Adhoc Run field.
Report To is a mandatory field. Press F4.
Enter ‘F’ in the Foreground/Background Menu, ‘N’ in ‘Print Required’. Press F10.
Menu - PR. Type ‘T’ in option block and press F10. Note Tran-id. Type ‘Q’ to quit and press F4.
Check with TM, whether TDS transaction has been posted successfully. Check TDS success/failure
report in PR or DAYRPT 4-12.
The Potential Closure Transactions can be viewed during both Trial Closure and Closure on the last
page of the screen displayed after committing the Closure.
The transactions will consist of the Interest, TDS, Booking and Closure Part trans. including CI
(Customer Instruction) payment distribution. This replaces the “Repayment Acct/Amt “ field literal
which displayed CI payment distribution.
A new field "Use Repayment A/c Only" has been added in the application. The value ‘Y’ for this field
indicates that the Customer Instruction should be ignored and entire maturity proceeds after any
lien/TDS/penalty recovery should be paid into the repayment a/c.
If this field is ‘N’ then customer instruction, if any will be paid out first and the rest would go to the
repayment a/c or sundry a/c.
The Closure report will display the Actual Tran Ids only during Verification. If Interest/TDS is up to
date then no Tran Ids will be displayed in the report.
System verification of Closure which marks the “A/c Closed” flag of a/cs with Zero balance and all
transactions posted to “Z” for closed.
The literals “Penalty for Full Period?” is removed. The penalty during pre-part closure will always be
for the full period.
Whenever any interest is credited to the account either at the time of renewal or closure, total
amount is credited to “Sundry before TDS” ac.
After verification of Renewal/closure first run TDSCALC. It will check the TDS and then credit the
proceeds to the specified account.
Transactions during INTRUN and TDSCALC
INTRUN = DR–Intt Accrued on Term deposit Etc.CR–Sundry before TDS – (3171118)
TDSCALC = Dr-Sundry Before TDS.; Cr – Sundry TDS (3171108) Cr.- MBFD/SF
In Finacle, TDS deduction is automatic. All FD Accounts with common customer-ID, are clubbed Branch-wise
to compute TDS eligibility. Deducted TDS for every account is credited in ‘Sundry-TDS’ Account and only net
interest is credited to FD accounts.
Menu-ACM, Function-I, Option-2. System will show record for TDS deducted, if any. Explode (Ctrl-
E) to see complete Transaction in TM. For TDS details of previous years use Menu option IARM
A new sub-option “I” has been introduced in the menu option “CUMM” which gives the Customer
level TDS details – which was available only at the account opening level sub-option “2”.
Also Available In CRV ( Customer Relationship View)
Menu-RFTDS-Enter criteria for selecting accounts for refund of TDS, Transaction type and Press F4.
System will display the records in ‘Select’ mode for refund.
De-select the a/c with Shift-F4 for which refund is not intended.
Enter the SB A/C no in ‘TDS Operative A/c’ field for credit of refund amount.
Press F10. Note the transaction Id for further action.
By using the above option, the system generates a transaction debiting the Sundry-TDS account and
crediting the operative account of the customer.
It was necessary to mention operative account of the customer in case refund of TDS is sought.
Finacle now supports refund of TDS (RFTDS) in Office A/c also. It can be made use of where
Depositor do not have a savings account and Cash Refund cannot be made.
For the purpose a new office account 31711332 - SUNDRY FD - REFUNDED TDS A/c opened. This
account number can be used during the execution of menu option RFTDS.
Menu-RMTDS-Select criteria for remitting TDS and go to “Remit Option (G/C) field and select “G”-
The system generates a report about the remittance to be done for the selected records.
“C”- The system will accept a field as “Common Remittance Details”. This field is free text.
Enter all information, which needs to store regarding remittance (like challan no., remittance date
etc.) separated by a delimiter. Press F10.
System will generate remittance report with Customer-wise TDS Details & Totals.
To remit TDS, use Menu TM to debit the ‘Sundry-TDS’ A/c - <Sol-ID>3171106 & issue Cash Order.
Menu-HTDSIP-Enter criteria for selecting customers/accounts for inquiry on TDS or printing of appropriate
certificates, Choose the relevant option from 1-8 & Press F4.
In Finacle, transfer of accounts to overdue category happens automatically on due dates as part of
BOD process.
Subsequent renewal or closure transactions happen from the relevant GL heads.
Overdue Interest Rates codes are being defined and Interest Accrual on Overdue FD will take place.
The above menu shows the details of interest run/booking in the account. It can also be viewed
through menu ‘ACM’ with sub-option ‘?’.
Further navigation has been provided in above screen to ascertain the position of normal, penal,
additional and other interests. Explode the screen.
The menu option for related accounts lookup is RELACI and is useful to know what are the all links
to an existing account.
If an account is renewed 5 times and the customer is interested to know the details of all the 5
renewals, specify any one account (the existing or the renewed ones) and make a search for 'F'
(forward), 'B' (backward), 'A' (both forward and backward) and 'M' (multiple links).
The system will display all the linked accounts and furnish information like account number, a/c
opened date, a/c closed date and deposit status.
Alternatively, inquire the related a/c list by invoking ACM option - sub option '8'.
The menu option for reprinting a receipt is ‘REDRP’ and for duplicate printing is ‘DUDRP’.
Reprinting/duplicate printing is possible only if the receipt has been printed at least once.
In REDRP / DUDRP options, system displays the records listed for printing in de-select mode. Select
the appropriate record (shift + F4) that is required to be re-printed.
While printing duplicate FDR through DUDRP option, if any remarks in the ‘Remarks’ column have
been made, the same gets printed on the fixed deposit receipt. Therefore, when duplicate FDR is
issued through above option, enter following remarks in the ‘Remarks’ column: -
“Issued in lieu of original FD no._______ reported lost”.
When a deposit receipt is printed from the system, system creates a record of the inventory
number used, which can be inquired using ACM menu ‘K’ (denomination /receipt) details.
For duplicate receipt printing, system keeps history of the earlier receipts. While printing duplicate
receipt, the system creates a new record as a copy of the old record except the serial number and
the lien amount.
The menu option to inquire and print the pending deposit receipts for printing is ‘PENDDRP’.
Before ABH every day, invoke this option to inquire the pending deposit receipts for printing.
The system brings up selection criteria screen. Enter the a/c open date from/to as selection criteria
and accept.
The system brings up all deposit receipts that are pending for printing by default in select mode. On
accept from here, the system brings up the print parameter screen.
Take the printout. To see more details on the FD account, explode on any record. On explode the
system takes to ACM screen for making further inquiry.
The status of a deposit receipt can be marked as lost by the status field in ‘K’ (denomination)
details in ACM.
Users are making reversal transaction with ‘TO’ flow_id, which is not correct procedure for reversing any
wrong entry in FD/RD account as it creates problem in the proper behavior of the account after the
transaction.
IN CASE OF RD ACCOUNTS : Wrong installment either debit or credit can be reversed by creating a
reversal transaction entry with the value date and same flow id (NI) which was used at the time of
wrong credit/debit entry by entering flow id in A details.
User may use PLIST menu option for checking the status of the installments.
IN CASE OF FD ACCOUNTS: if a wrong credit/debit entry is made in the FD account, the same may be
reversed manually by creating a reversal transaction with same value date and same flow id. System will
credit the interest at the next interest application date.
Now the accounts will be verified and system will display the transaction_id, please note and
check the same.
User can cancel the closure of Flexi RD if wrongly closed but before verification through menu
option FCAAC. Enter function X to cancel the closure and press F4.
A check has been put in the system not to allow debit transactions in the system except work-
class 100 only for rectifications of wrong entries if any with due care. System will display the
following error message while doing debit transactions in Flexi RD accounts.
The Locker Module has been developed for handling the following locker
activities
1) Maintenance of lockers
2) Issue of lockers
3) Surrender of lockers
4) Migration of existing data for issued lockers
5) Rent-collection (both regular and irregular)
6) Reports generation.
MENU OPTIONS
MENU DESCRIPTION USER LEVEL
LKPM LOCKER PLACEHOLDER MAINTENANCE DATA CENTRE
LKTRM LOCKER TYPES AND RENT MAINTENANCE DATA CENTRE
LKKM LOCKER KEY MAINTENANCE BRANCH
LKCM LOCKER CUSTOMER MAINTENANCE BRANCH
LKCHM LOCKER TRANSACTION HISTORY MAINTENANCE BRANCH
LKRCM LOCKER RENT – CHARGE COLLECTION MAINTENANCE BRANCH
LKCPM LOCKER TYPE CHARGES MAINTENANCE BRANCH
LKREPM LOCKER REPORTS BRANCH
LKCMRPT LOCKER REPORTS BRANCH
Locker type inquiry can be done. List of rent versions applicable to a locker
type can be inquired from this option.
Each cabinet in the branch is be assigned a two digit alpha code. The locker number is a 7 digit number with
first two digits alpha and the next five digits as numeric whereas the minimum length key number is 3.
Example of Locker No. –AA00001 Key Number -AA21.
The user shall invoke the option in modify mode and replace the old key number with the new key number.
Invoke the menu option LKCM (Existing) mode. On invoking the option, the following screen shall
be displayed. Here most of the fields are similar to the menu for issuance of a new locker.
The additional field here is Amount in Arrear Field, where the user shall enter the amount
(Rent+Penalty+Charges) in arrear as on the date of capturing the data. On filling in all the
information and confirming its correctness, the user shall enter the confirm flag as Y and
pressing F4 from here, a message will be displayed that Record added successfully. In case
the advance rent has been deposited by the locker customer then a –ve (negative) value shall
be filled in the Amount in Arrear filed.
Here the user shall enter Locker type, Locker No, operative account of the customer (for rent
collection) and staff flag. On pressing F4 from here the above screen will display some additional fields.
The field description for the above screen is as follows:-
After entering all the required information, the user shall ensure the correctness of data and make the
Confirm flag ‘Y’ and press F4 and the system will display the message that record added successfully
Nomination Details
Func (I/A/M/D): Function code. Valid values are A, I, M, D. detail of nominee can be added in “A”
mode, nominee details can be viewed in “I” mode, nominee details can be modified in “M” mode and
nominee details can be deleted in “D” mode. Under “D” mode nominee can be deleted or all
the nominees can be deleted at once, with the corresponding field values (delete all (Y/N) and
delete(Y/N))
Surrender, Modification and Inquiry in a locker are handled through the same menu option
LKCM (S), (M) and (I) mode.
4) Marking Risk Classification operations to the impaired persons, and display the name of
the Joint holder names & Custid
In case of existing locker holders modify the locker details through LKCM “M” Option and
enter the proper risk classification, Joint holder cust ID, Joint holder Name and Impaired
witness 1,2,3 as required.
New field is introduced for handling the lockers closed by way of Break Opening. Such lockers are
to be surrendered by the menu option LKCM and set the Break Open flag to “Y”.
Invoke menu option “LKCM” give Privileged as “Y” and then entering the Privilege date and
Privilege end date. Thereafter the percent Rent can be modified to the appropriate
percentage. For the new customers the function code is “A” and for the existing
customers the percentage rent is to be modified using function code “M”.
For Staff lockers, the staff flag is to be modified to Y. The percentage rent will be populated to
50 % by the system
Branch user has the option to collect the rent for a single locker or for the SOL on a whole. Menu option for
rent recovery is given below:
LKRCM
Locker rent will be recovered at fixed date i.e. on the first day of month in which it was leased out. The
revised system will be applicable w.e.f. 01.05.2014. An automated batch job will run at branch level to
recover the rent of the lockers. Advance rent can be collected at any time before the rent due date of
locker.
Partial amount can be recovered through menu option LKRCM in the multiple of Rs.One. Partial rent so
collected should be apportioned from the arrear amount and system will show only the amount left to be
recovered in arrear field (LKCM as well as in reports LKREPM 15,22 and 26). Rent so recovered can be
viewed in history report LKREPM 23
USE MENU OPTION LKRCM FUNCTION – T User has to provide Locker Type, Locker Number and
customer ID as input. For Cust ID, after providing the input at locker type and locker No. user may press F2
at cust id field. After selecting the cust id, press F4, the system will make all the rent related calculations
internally and a POP-UP will display following information:
Press ‘Y’ to continue User has to select mode of payment (TRANSFER/CASH), by default the system will
show ‘T’ (transfer) mode. User can select Cash mode ‘C’ and enter the partial amount received from the
customer and press F4 to create the transaction.
MENU – LKREPM ->SELECT LCKSTAT-15 -> Enter branch SOLID -> Date from to date (If report is
generated on 25-09-2014 than enter 01.09.2014 to 25.09.2014)
Whenever the customer visits the branch to deposit the locker rent, the user can invoke the menu option
LKRCM and recover the rent.
OR
Whenever the operative account has sufficient balance, the system will automatically recover the amount on
the next execution of LKRRBAT.
iv. In case of advance rent received in the locker, system will automatically reduce the advance rent equal
to the applicable rent.
LKRCM ( Locker Rent Charges Collection )
c) For recovery charges in the locker accounts user shall modify the Rent/Charge/Penal flag to C and fill in
the amount to be recovered .
Whenever a customer operates the lockers, the details of the visit are recorded using the menu option
LKOPS. The menu provides for recording IN time and OUT time for locker operations. Both of these times
are to be recorded to complete the process.
While entering the IN details, the user shall enter the Locker No and press F4, the system will display all the
detail of the locker to be operated i.e. locker type, key No. Customer Id, customer name etc and will ask for
entering Customer Id of the locker holder or the authorized person that will operate the locker.
On entering Cust id, signatures attached with the cust id will be displayed.
On completion of the locker operation the user shall record the time out by entering the OUT details.
System will treat the operation completed when both IN and OUT details are entered into the
system.
CAUTION
Before Day end the locker in charge shall ensure that the entire locker operated during the day have been
marked OUT in the system. In case user fails to do so, system will not allow subsequent operations in the
locker.
A utility is available in the locker module of Finacle through which, the signatures of the locker holder and
authorized signatory (if required) can be captured into the system. In Finacle the locker is issued on the
basis of Customer Id issued to customer. The Customer Id shall be having the same constitution as that in
the locker.
A separate “Image Access Code” LK has been created in the Finacle application. The user at the branch
while scanning the signatures of the locker holder with Signcap tool shall specify the Customer ID of locker
holder / authorized signatory and shall modify the Access code to LK.
At the time of scanning the Description for Signature Column the name of the Locker holder / Authorized
signatory and Locker No. is be entered.
OPENING OF ACCOUNTS:
1. Create Customer – CUMM (if customer master does not exist)
'G' General Details
'E' Currency Details
2. Verify Customer - CUMM
3. Open Account - OAAC
'G' General Details
'S' Scheme Details
'V' MIS Code
'H' Limit History Details
'A' Additional Persons Details (for Guarantor etc.)
4. Verify Account OAACAU
5. Link Security SRM
6. Verify Security SRM
7. Issue Cheque Book ICHB
8. Verify Cheque Book ICHBAU
9. Transactions / Verification TM
For Modification to Account ACM
For Modification to Sanction limit/DP ACLHM
For Modification to Interest Rate Code INTTM
For Modification to Security Details/DP SRM
For sanctioning TOD TM -- (N) Option
CLOSURE OF ACCOUNTS
All the Loan accounts under the Credit Module of Centralised Banking Solutions (Finacle) application package
are handled through various Scheme Codes. The scheme codes are maintained under specific for a Scheme
Types. The following scheme types are used for various Nature of Advances as under:
The account number for any account in credit module contains of 16 characters. The first four characters
indicate the distinctive number of the branch to which the account pertains, followed by a two-character
product code, which is specific to the scheme code and then the a/c number.
• Before opening of a Cash Credit/ Overdraft account, the Customer ID of the borrower must be created
through the menu option - `CUMM’.
• In case the Customer-ID is already created, the same may be used for opening of the account.
• Menu option for opening CC/OD account is OAAC. Give Function as ‘O’, customer ID, scheme code,
currency and GL subhead and Press F4.
• System by default displays the General Details screen. Some other important fields are:
PAY INTEREST?: Enter `Y’ if interest is to be paid in the account, else enter `N’. Although interest is
not paid in loan accounts, the system by default populates `Y’ value in this account, which should be
retained as this will facilitate refund of interest in the a/c by the system due to any reason
COLLECT INTEREST?: By default populates `Y’ in this field, it be retained.
CUSTOMER PREFERENTIAL INTEREST (Cr.)– It should be left blank.
CUSTOMER PREFERENTIAL INTEREST (Dr.): In case some Debit Preferential Rate of Interest is
allowed, over or below the applicable rate for the scheme, at the Customer (CUMM-`E’-`Currency Details’)
Level and parameter is set at the scheme level, the same differential is default populated here. The values
can be over-ridden. In case the preferential rate is over the normal rate, positive value be assigned in this
field. In case the preferential rate is below the normal rate, negative value be assigned in this field.
ACCOUNT PREFERENTIAL INTEREST (Cr.): It should be left blank while opening loan a/c.
ACCOUNT PREFERENTIAL INTEREST (Dr.): In case some Debit Preferential Rate of Interest is to be
allowed at this account-level, over or below the applicable rate for the scheme, the differential percentage
be specified here. In case the preferential rate is over the normal rate, positive value be assigned in this
field. In case the preferential rate is below the normal rate, negative value be assigned in this field.
INTEREST TABLE CODE: This is a mandatory field. The system by default populates ZERO in this field as
per scheme level set up. Modify this field and assign an appropriate Interest Rate Code. Press F2 to list the
valid codes and select the appropriate code by shift+f4.
After entering all the relevant information in the `G’-General Details, press ‘F4’.
Delete ‘G’ and enter ‘S’-Loan Scheme Details. Press ‘F4’ and enter the Loan Scheme Details.
In case the account being opened is a transferred account, the following two fields must be filled:
Interest Amount: Calculate the interest to be charged in the account from the date of transfer of the
account from the previous branch till the account open date manually and enter that value in this field. At
the time of next interest run, the system will calculate interest in the account from the current date of
opening and add up the value entered in this field and debit the account accordingly.
Dr./Cr.: Enter `D’ if the type of interest to be charged in the account is Debit.
This is an optional sub-option. If the account is a joint account or more than one person is associated
by way of guarantor or in any other form the details of such persons can be captured here.
This is a multi record screen. By default the first record will be of the person who’s Customer-ID is
associated with the a/c being opened. For giving information of other persons, press down arrow
key.
The information on other persons can be given by way of creating another Customer ID or by just giving
the information in the relevant fields. This is a multi record screen.
After filling up all pages Press F4 to come to option block.
After filling up all details press F10 to commit. The system generates the account number, which should be
verified through menu option-`OAACAU’.
After opening a Cash Credit / OD account, the next step is to attach security available in the account, both
primary as well as collateral. These securities can be attached to the account through menu option ‘SRM’-
SECURITY REGISTER MAINTENANCE.
Menu Option to be used is SRM –Function-‘A’. Give ‘A’ for account (or ‘N’ for Node) ,account number
(Limit Id in case of ‘N’)and press F4.
Give option ‘A’ and press F4.Fill up all the relevant details and press F4.
If Insurance details have to be given give ‘N’ here in remark column mention premium amount paid with
start date and end date & press F4. After filling up the details give ‘S’ and press F4.
Menu option SRM ; Function ‘V’. Give ‘A’ for account (or ‘N’ for Node), a/c no. and press F4.
Verify the security, insurance and charge details and press F4.
Press F10 to commit.
When stock statement is received by the branch, user enter the stock statement under SRM menu option
entering date of receipt of stock statement under receive date field and due date as next due date (Stock
statement is valid till due date) Now, there may be four scenarios after first due date:
1. Stock statement has been received on or before the next due date as entered in the account.
2. Stock statement not received before due date but received before month end date (Interest date).
3. Stock statement not received after due date till month end date (Interest application date.
4. Stock statement received after long delay. (received after more than say two months).
Stock statement is received on or before the due date, user is required to substitute the existing record
with feeding receive date as date when stock statement is received. On verification due date will be
replaced with next due date by the system as per frequency fed for the account, even if due date is not
changed by the user. eg:- on receipt of Stock statement, SRM record has to be fed with receive date and
due date. (Example – If due date is 10-11-2013 and if stock is received on or before 10-11-2013, then
user is required to substitute the record with feeding receive date. In this case if the receive date is 09-
11-2013, after verification system will create new record and change due date as per frequency fed.)
Interest Impact :- system will not charge penal interest in such cases.
2. Stock statement is received after the Due Date and before month end date (Interest
application date) :-
Stock statement received after the due date. In such cases user is required to first modify the receive date
of current SRM record and feed receive date as date of stock statement is received and verify the same,
thereafter user is required to substitute the newly modified record. ( Example – If due date is
10-11-2013 and if customer submits the stock statement on 20-11-2013, then user is required to modify
receive date of this record as 20-11-2013 and verify same and after it substitution of modified record must
be done.)
Interest Impact :- as submission of stock statement is delayed for the period of 10-11-2013 to 19-11-
2013, on modification as stated above system will charge stock interest for the period of 10-11-
2013 to 19-11-2013 on interest application for the month of November’13.
3. When stock statement is not received after the Due Date till month end date :-
Stock statement not received after due date till month end date, In this case to charge stock interest, user is
required to make receive date as blank after due date and before month end date.
IMPORTANT: In case stock statement is received after making the receive date as null/blank before month
end date, user is required to fed the receive date through modification mode under SRM and substitute as
stated the process under step 2 above. If stock statement is nor received in the month then receive date
should remain blank. (Example - If due date is 10-11-2013, and if customer does not submits the stock
statement after due date, then user is required to modify this record and make the receive date null/blank)
Zonal Training Centre Dehradun [74]
Interest Impact:- as stock statement is not submitted even after 10-11-2013 and receive date is blank,
system will charge stock interest for the period of 10-11-2013 to 30-11-2013 on 30-11-2013. Again, If the
stock statement is not received for long time (several months) then further no modification is required to be
done (till next submission) and system will continue charge penal stock interest every month till the receive
date remains blank.
4. When stock statement is received after long time (several months) after the Due Date :-
Stock statement received after long time (several months), user has to feed receive date in existing record
(where receive date is blank) through modification mode under SRM and after verification of such record,
user is required to substitute record as many times till due date comes as next month date (same can be
checked after verification of substitution).
After opening and verification of the account, the normal cash/ transfer transactions to the account are to be
entered through the menu option `TM’ and the clearing transactions are to be entered through the menu
option `OCTM’ and `ICTM’. The procedure for entering / posting / verification of the transactions for this
type of accounts is same as that of any other account.
Once the account is opened and verified many activities may be required to be performed in the account.
Illustrative list of such activities can be :-->
• Modification of Account Details before Account-Verification
• Modification of Account Details after Account-Verification
• Modification of Interest Details
• Review/ Renewal/Enhancement/ Reduction of the limits
• Granting Temporary Overdrafts (TOD) in the account
• Sanction of Ad-hoc Limit
• Allocation of Drawing Power as a Parent Branch
• Maintaining the Account where Drawing Power is allocated by other Branches
• Interest Calculation before Account Closure
• Earmarking drawing power.
• For any modifications in the account except Limit and Interest Details, the menu option is `ACM-
Customer Account Maintenance’ is to be invoked and `M- Modify’ is to be entered in the option
field. Following details can be modified:
• General details with sub option ‘0’
Invoke a menu `INTTM’ for modifying any of the interest related parameters including pegging and
preferential interest rates.
Enter `M’-Modify in the function field and indicate the A/c number and accept to proceed further.
1) INTEREST TABLE CODE: Enter the appropriate Interest Table Code, in case any
modification in Interest Rate is required. Press F2 for appropriate codes.
2) CUSTOMER PREFERENTIAL INTT (Cr.) & A/C PREFERENTIAL INTT (Cr.) default
populated zero values be retained.
3) CUSTOMER PREFERENTIAL INTEREST (Dr.): If any Debit Preferential Rate of Interest is
allowed to a customer over or below the applicable rate of interest, at the Customer
(CUMM-`E’-`Currency Details’) Level, the same differential is default populated here. The
values can be modified here which will be effective at the account level. In case a reduction
is to be allowed then the value should be preceded with a minus (-) sign.
4) ACCOUNT PREFERENTIAL INTEREST (Dr.) - In case any Debit Preferential Rate of
Interest is to be allowed at the account level, over or below the applicable rate for the
account, the differential is to be entered in this field. In case a reduction is to be allowed
then the value should be preceded with a minus (-) .
5) IS INTEREST PEGGED?: Valid values for this field are `Y’ or `N’. If Interest Pegged Flag is
set to ‘Y’ then, any changes in the subsequent versions of the Interest Table Code will not
have any impact on the interest calculation from the start date till the end date. Else `N’
value should be assigned in this field.
6) START DATE: Enter the date from which the above mentioned interest rate shall be
applicable.
7) END DATE: Enter the date up to, which the above mentioned interest rate shall be
applicable.
Multiple interest rates with various start / end dates can also be entered to an account by
pressing down arrow key. The system will populate the next date in the field ‘start date’ in
continuation to the ‘end date’ entered in the earlier interest record.
For the convenience of branch users for selection of appropriate interest table code certain customization
has been done in interest Rate code field under OAAC menu option and now on pressing F2 on Int Table
code system will display all active interest table codes only.
The new help window consisting of interest table codes along with its description, interest table code help
flag, Present Base rate (if linked to Base Rate), Spread and net rate of interest (as on date) of interest table
codes will be displayed.
New column has been added in the help window i.e. help flag. This field is a identifier of segment of loan for
which all the interest table code belongs. eg: for education loan related interest table code help flag is ‘ED’
This Help flag should be entered in interest table code field before pressing F2. system will display all
interest table codes related to help flag on the top of the list and remaining interest table codes will be
listed thereafter. . Eg :- if branch user feeds ED in interest table code field then system will display first
interest table code related to ED (For Education loan) and then remaining all interest table.
User can select appropriate interest table code by pressing Shift + F4 and can assign in the account.
List of help flag for interest table codes is
S.No. Circular Interest table code structure for Retail Segment Help
Sl. No.
Loans Flag
The monthly Drawing power to be reduced every month will be arrived on the basis of Sanction limit divided
by total number of months. The number of total months is taken from applicable date till expiry date entered
in latest active limit under „H‟ details (Limit History details) of the account.
The method to calculate the above terms i.e. sanction limit, no of months completed & Total months of limit
is as given below :-
1. Sanction limit :- System will check the latest active sanction limit.
2. Total number of months:- system will check the difference between applicable date and expiry date in
latest active limit and same will be taken as total number of months (remaining days will be treated as 1
month).
3. No. of months completed :- system will check the difference in months between system date (BOD date)
and applicable date of latest active sanction limit and difference in months will be taken as no. of
completed months.
This process will be run from Data Centre in the last week of every month and Drawing power of all the
eligible accounts will be reduced as stated above
Modification in sanctioned limit for an OD / CC account is required at the time of renewal/ review or
enhancement/reduction in sanction limit.
These changes be done through menu ACLHM- Account Limit History Maintenance.
The function block of this menu has the following fields:
FUNCTION: The valid functions:-- M (modify), I (inquire), V (verify), X (cancel), L (list).
For modification in the limit details, enter `M’-Modify,
A/C NO.: Enter the Account Number.
OPERATION: This field has two operations
`S’-Modifications to Sanction Limit and
`D’-Modification to Drawing Power Details.
Indicate `S’ to modify the Sanction Limit and Press F4
The system shows the existing sanctioned limits available for the account.
Select the required limit by using the arrow Key. The cursor moves to `Option’ field,
Enter `M’-modify in the `Option’ field and press F4.
The system displays the `Sanction Limit Details’ screen with applicable date and previous / existing
sanction limit.
Make the required modifications in the following two fields:
Applicable Date: Enter date from which the modified limit shall be applicable.
Sanction Limit: Enter the values of the modified limit.
Limit Level Interest?: default value as `N’ be retained.
Supercede?: Except under `option’- A (Add) and C (Copy), this field is not accessible under rest of the
options and value will always be `Y’. The effect of this field is that after commit, the previous limit gets
superceded by the modified limit. Press F4.
The following fields are available for modifications:
Sanction Date: Enter the date of sanction of the modified limit.
Expiry Date: Enter the date of expiry of the modified limit.
Zonal Training Centre Dehradun [79]
Penal Int. From: Enter the number of months/ days after the limit expiry date so that the system
should start charging penal interest in the account after this period.
Document Date: Enter the date of documentation.
Review Date: This date should be lesser than the `Limit Expiry Date’. In case of `Review’, enter the
next date of review.
Security Description: It is a free text field. Enter the security description in the account.
Remarks: It is a free text field. Enter the appropriate remarks.
Sanction Level: Assign the appropriate sanction level code from the list available in this field.
Sanction Auth: Assign the appropriate sanctioning authority code from the list available in this field.
Sanction ref#: Enter 7 Digit PF number of recommending & sanctioning auth.
Press F4 to accept and F10 to commit the modification.
This modification requires verification by another user through menu option-ACLHMAU.
In case of `Enhancement’, before invoking the menu option – ACLHM, modify the Maximum Allowed
Limit’ field in `S-Scheme Details’ of the account through menu option – ACM with the enhanced value of
the limit sanctioned. Get this modification verified through menu option – ACM.
In CC and OD accounts separate limits can be assigned to the account based on the rate of interest in a
single account. The user feeds the limit details under ‘H’ details for limit sanctioned to the customer. In this
case two separate limits to be fed. For example, if a borrower has been sanctioned Rs.100000/- limit where
Rs.10000/- subsidy is available, the following steps have to be taken:
STEP -1
Ist Limit equivalent to subsidy ( in this case Rs.10000/-) : While opening the account through OAAC, limit
has to fed under ‘H’ details keeping ‘ Limit level int =Y”, ‘ Supercede = ‘N’ and sanctioned amount equival to
the subsidy available for the account. The normal Int. Rate has to be kept as 0.00.
STEP – 2
After opening of the account through OAAC and verification through OAACAU, another limit equal to (Total
sanction limit minus amount of subsidy) is to be assigned keeping “ Supercede = N and limit level int =N
through ACLHM. User to add second limit by giving ‘A’ (add) under option block.
On enquiry system will show 2 active limits. System will apply interest @0.00% on the first limit i.e. on
Rs.10000/- and for balance limit interest will be charged at the rate applicable as per data fed under ‘G’
details of the account or through INTTM.
NOTE: After crediting the subsidy amount to main account, limit has to be modified through ACLHM, limit
amount has to be kept net of subsidy amount and Supercede =Y and limit level interest as “N” in order to
nullify the effect of subsidy and to charge interest on the whole limit.
Before executing the account closure procedure the following steps must be followed:
Execute menu option `ACM- Customer Account Maintenance’ enter ‘M – Modify’ in the
function block and enter the Account Number in the next field. Then enter ‘0 – General Account
Details’ in the option field accept and go to next screen using F6. Modify the field ‘Pay Interest?’
from ‘Y’ to ‘N’. Get the modification verified.
Ensure that all securities attached to the account are deleted through SRM and SRM is verified.
Ensure that no standing instructions are outstanding where the Cash Credit/ Overdraft account is
mentioned.
Ensure that there are no pending transactions for the account in entered status for the account.
Ensure that the Cheque Books issued in the account, have been destroyed.
The menu option is OAAC. Verification of the account should be done using menu OAACAU.
GENERAL DETAILS – SUB OPTION “G” ( 3 SCREENS ) - MANDATORY
Mode of operation: This is MANDATORY & only an information field. This is displayed in TM Screen.
Based on the value set up here and displayed during Transactions in TM.
Account Mgr: This is the user ID created using UPM menu. If any value is mentioned here, it means
that this account is looked after by that particular person. Many operations can be done based on
this value like interest calculation, statement printing, inquiries etc.
Customer preferential interest rates both debit and credit would be default populated if it is
mentioned at customer level and the parameter is set at scheme for default population. The values
can be over-ridden.
‘Account Preferential’ is another field through which special rates of interest can be specified to the
account.
Interest credit flag, Interest debit flag, Interest debit account, Interest credit account are not
applicable in this case
Interest table code is a mandatory field and must be changed from ZERO to applicable rate code.
If the interest rate is fixed during the entire tenor of the account then value should be set as “Y” for
the field “Account pegged?”
If the value is set as “Y” for the above field, then enter value for the fields “Pegging review date”
and “Pegging Frequency(Months/Days) ”
Tax details are not applicable for Loan Accounts.
SCHEME DETAILS – SUB OPTION “S” – (2 SCREENS ) - MANDATORY
Loan amount is the amount of loan sanctioned. The system validates whether the amount indicated
here is within the range mentioned at product level. Else an exception would be raised.
Loan period is the tenor of the loan. The system validates for this value also based on the scheme
level set up and appropriate exception would be raised.
If the value is set as “Y” for the field “Hold In Oper A/c For Amount Due?” then lien on the operative
account to the extent of ‘demand’ in the loan account can be marked by LALIEN menu.
Value set for the field “Repayment Method” will decide how repayment will be made. If the value is
set as “E”, then system recovers what is available in the operative account. If the value is “T”
system creates a TOD and recovers the entire dues from the operative account. If the value is “N”
then no recovery would be done. If the value is set to either “P” – Post dated cheques or “D” –
Electronic clearing, then get a report on such accounts and all further processes is procedural.
If the value is set as “Y” for field “Transfer in A/c”, then enter additional information in sub option
“U” – un-computerized details.
Fields on the 2nd Screen relate to various information relating to the account with regard to
Refinance, Subsidy etc. No validations are done based on any of those fields.
In order to handle subsidy based Term/Demand Loan Accounts where interest rates are slab-wise a new
field “Int. Rate based on Loan Amount– Y/N” has been added in the Scheme Details of the OAAC menu
option. The valid values are:
The system by default populate most of the values based on the set up done at scheme level. Which can be
overridden.
‘Intt. Demand Effective Date’ should be entered in case of such Loan Accounts, where Intt. Becomes
due after a particular period, e.g. Staff Loans on Simple Intt., Education Loan etc.
Once the account is opened, then all these information will be the property of the account and
system will not look into the scheme level any further for future processing on the account.
FEATURES
There are two systems prevailing in the banking sector for calculation of interest on EI (Equated
Instalments) based loan accounts:
1) EI in Arrears – The interest for holiday period (moratorium period) is calculated and capitalised on
the day of repayment start date and the EI is calculated accordingly. In other words, first
instalment also include the portion of capitalised interest.
2) EI in Advance – The interest for holiday period (moratorium period) is calculated and demand is
raised from the 2nd instalment onwards. The first instalment is raised only for the principle.
In our bank, the system of EI in Arrears is prevailing. The same is set at product level by Data Centre in
respective GSPM. Now the system will correctly calculate the demand as it will automatically rephase the
account at the end of holiday period.
Zonal Training Centre Dehradun [83]
In case of EI based Loan accounts, the Equated instalment raised by the system is a combination of
Principal and Interest amounts.
In the existing version it has been observed that the system is raising Principal Demand on a
different date and Interest Demand on a different date.
In order to synchronise the raising of demands for Principal and Interest two new fields ‘Int Dmd
Date’ and ‘Int Freq’ have been added.
The new fields of the E - Repayment Schedule Details of the menu option OAAC/ACM have
following functions :
Int Dmd Date: This field refers to the Interest Demand Date where the date from which interest
demand is to be raised by the system. In case of EI based loan accounts, the interest demands are
to be raised along with the principal demand hence, the date of Principal & Interest Demand should
be the same. In case of gestation period for commencement of repayment, following procedure be
adopted:
i) Enter the actual date from which the instalment repayment is to be commenced in the field
‘Flow Start Date’.
ii) Enter the month end date of the month in which account is being opened in the field ‘Int
Dmd Date’ and
iii) Enter the actual date of commencement of repayment in the field ‘Interest Demand
Effective Date’ in the I – Interest Details of the menu option OAAC. (same date as given in
Flow Start Date)
iv) Int Freq: The frequency entered in this field should be same as the frequency entered
against the field ‘Flow Start Date’.
DISBURSEMENT DETAILS – SUB OPTION “D” - OPTIONAL
A disbursement schedule can be defined and the disbursement can be monitored . The system validates
whenever a disbursement is made whether it is as per the disbursement schedule or not and appropriate
exception would be raised if set up is done. In absence of such schedule, disbursements may be made in as
many installments as required.
MESSAGE MAINTENANCE – SUB OPTION “M” - OPTIONAL
As a part of account opening, information can be noted, with regard to the account in the form of messages.
These messages can be in the form of free text or through a coded mode. messages can be entered without
the help of codes also.
UNCOMPUTERISED DETAILS –SUB OPTION “U” – MANDATORY FOR TRANSFER-IN ACCOUNTS
This information is required only if the value for the field “Transfer in A/c?” is “Y”.
This information is stored till the account is verified and transactions are put through to the account
and demands are uploaded to the system.
Normally these information are captured in case of accounts which are transferred from another
branch or when migration is done from one application to another application or from the manual
system to computerised system.
Enter all the relevant data during account opening itself as no further modification is possible once
the account is opened.
Once all the relevant data is entered commit from the option block. The system gives the account number,
which has to be noted for verification. In addition, SRM record is to be created and verified for every TL/DL
Account.
OPENING OF LOAN ACCOUNTS IN TRANSFER-IN MODE
STAFF HOUSING LOAN A/CS AND STAFF VEHICLE LOAN A/CS.
In Finacle separate accounts are to be opened for the different limits carrying different
rates of interest i.e., in case of Housing Loans, three accounts are to be opened in the
following manner:
i. Housing Loan account bearing interest at 5% simple interest p.a.
ii. Housing Loan account bearing interest at 11% simple interest p.a.
iii. Housing Loan account bearing interest at PLR compound interest – it may be clarified
here that this account with interest at PLR is already migrated into Finacle. In case this is
not migrated then, this account is also required to be opened manually.
Similarly for Vehicle Loan accounts to staff members are also to be opened separately for various limits
carrying different/zero interest rates.
However, in case the entire principle amount is repaid then a single account is to be opened for the
amount of Interest outstanding in the account.
TERM LOAN ACCOUNTS WHERE INTEREST AMOUNT DETAILS ARE NOT AVAILABLE
If the individual interest amounts could not be procured or not available, then it is suggested that entire
outstanding interest amount may be migrated to new account opened in Finacle carrying lower interest rate
(say 5% pa). This method is suggested in view of the fact that the repayment of the loan account carrying
interest at lower rate will commence after the adjustment of the principle in the account carrying higher rate
of interest (say 11% pa) and after adjustment of entire principle amount, the recovery of interest will
commence.
IMPORTANT POINTS WHERE PRINCIPLE AND INTEREST AMOUNTS ARE OUTSTANDING - MENU
OPTION - OAAC:
While opening these types of loan accounts in transfer-in mode, it must be ensured that in the ‘G -
Details of OAAC – in the field – A/c Open Date’ enter the Original Account Opening Date.
In the ‘S- Details of OAAC – in the field – Transfer in?’ delete ‘N’ and enter ‘Y’ and enter the other
relevant information in the required fields.
Then the date from which the interest repayment is to be commenced is to be invariably entered in the
‘I – Details of OAAC – in the field – Interest Demand Effective Date’.
The amount of balance outstanding in the account should be entered in ‘U – Details of OAAC - in the
field - Balance as on the Transfer Effective Date’.
The amount of interest charged to the account is required to be entered in the field ‘Normal Interest’.
If any penal interest is charged to the account, then the split up may be given in the fields ‘Normal
Interest and Penal Interest’.
Also enter the other fields with appropriate values. It may be ensured that in the field ‘Scheduled
Repayment Date’ Original Account Opening Date is entered.
In the ‘E – Details of OAAC’ two Repayment Schedules are to be entered as under:
1) First repayment schedule for the Principle amount with the Flow Id as ‘PRDEM’. In the field
start date enter the date from which the repayment of principle is to be commenced and in
the field ‘No.’ enter the number of installments in which the repayment of principle is to be
made. Enter the frequency in the next field and then enter the installment amount in the
field ‘Amount’. Then press ‘Down Arrow Key’ for entering the interest repayment details.
2) This repayment schedule for Interest amount, is to be entered with the Flow Id ‘INDEM’.
The ‘Start Date’ is automatically populated by the system for commencement of repayment
of interest, which should be checked for its correctness. In the field ‘No.’ enter the number
of installments in which the repayment of Interest is to be made. Enter the frequency in
next field and then enter the installment amount in the field ‘Amount’. Installment amount
for Interest repayment should be segregated proportionately for different interest rates.
ACCOUNTING PROCEDURE FOR THE A/Cs WHERE INTEREST AND PRINCIPLE ARE
OUTSTANDING:
After opening the loan account in transfer-in mode and after getting the account verified, the
following transactions are to be entered through menu option ‘TM’:
i. Dr. Term Loan account -
with the amount of Principle + Interest charged to the account till last interest run date. In
the field ‘Value Date’ enter the Original Date of Disbursement or the Original Account
Opening Date. In the Additional details, enter the ‘Flow – Id as DISBT’ and the ‘Demand
Date as the Original Principle Repayment Commencement Date.
Cr. Upload /sundry account- with the above amount.
ii. Post and verify the transactions.
iii. Run the command ‘LAUPLDMD’ for uploading the demands.
iv. Dr. Upload / suspense account – with the amount of recoveries made in the account
Cr. Term Loan account –
with the amount of recoveries made in the account giving the Flow – Id
as ‘TRCOL’ in the additional details and also delete ‘N’ from the
field ‘Last Part-tran’ and enter ‘Y’.
v. Post and verify the transactions.
Zonal Training Centre Dehradun [87]
IMPORTANT POINTS WHILE OPENING THE A/Cs WHERE PRINCIPLE IS REPAID AND INTEREST
AMOUNT IS OUTSTANDING - MENU OPTION - OAAC:
While opening these types of loan accounts in transfer-in mode, it must be ensured that in the ‘G -
Details of OAAC – in the field – A/c Open Date’ enter the Original Account Opening Date.
In the ‘S- Details of OAAC – in the field – Transfer in?’ delete ‘N’ and enter ‘Y’ and enter the other
relevant information in the required fields.
Then the date from which the interest repayment is to be commenced is to be invariably entered in
the ‘I – Details of OAAC – in the field – Interest Demand Effective Date’.
The amount of balance outstanding (i.e. Interest amount) in the account should be entered in ‘U –
Details of OAAC - in the field - Balance as on the Transfer Effective Date’.
The amount of interest charged to the account is required to be entered in the field ‘Normal
Interest’. If any penal interest is charged to the account, then the split up may be given in the fields
‘Normal Interest and Penal Interest’.
Also enter the other fields with appropriate values. It may be ensured that in the field ‘Scheduled
Repayment Date’ Original Account Opening Date is entered.
In the ‘E – Details of OAAC’ two Repayment Schedules are to be entered as under:
1) First repayment schedule for the Principle amount (which is already repaid) with the Flow Id
as ‘PRDEM’. In the field start date enter the date from which the repayment of principle was
commenced and in the field ‘No.’ enter the number of installments in which the repayment
of principle was made. Enter the frequency in the next field and then enter the installment
amount in which the repayment was made in the field ‘Amount’. The press ‘Down Arrow
Key’ for entering the interest repayment details.
2) This repayment schedule for Interest amount is to be entered with the Flow Id ‘INDEM’. The
‘Start Date’ is automatically populated by the system for commencement of repayment of
interest, which should be checked for its correctness. In the field ‘No.’ enter the number of
installments in which the repayment of Interest is to be made. Enter the frequency in the
next field and then enter the installment amount in the field ‘Amount’.
The Flow-Id during the account maintenance period for these accounts should be ‘COLEC’
The credit transactions for these accounts should be first posted into the account carrying higher
rate of interest.
When the principle amount in the loan account carrying higher rate of interest is adjusted, the
credits should then be posted to the loan account carrying lower rate of interest.
Zonal Training Centre Dehradun [88]
This aspect can be checked through the menu option ‘TM – Additional Details’ while entering the
transaction itself, where the system shows the details of appropriation of the transaction amount
i.e., whether the amount is adjusted to principle demand (PRDEM) or interest demand (INDEM) etc.
If it is noticed that the system is adjusting the amount to interest demand (INDEM), before posting
the transaction check if any other loan account carrying lower interest rate is outstanding in the
borrower employees’ name. If any such account is outstanding then, post the transaction into that
account.
On complete adjustment of principle outstanding, enter the credit transactions into both the loan
accounts carrying lower and higher rates of interest simultaneously by dividing them proportionately
as explained above (in E – Details).
i) The Term/Demand Loan account number for which transaction is being done is displayed in
Loan Account Id field.
ii) The number of repayment schedule that is currently active for the account is displayed.
iii) The overflow amount if any for the account is shown in Overflow Account field. The
overflow amount is the collection (recovery) received over and above the total demands
raised in the account till date or the advance recovery if any in the account.
iv) FLOW – ID is a Mandatory Field. All the transactions in Term/Demand Loan accounts should
be associated with a flow id. Select correct flow-id for the transaction being posted.
If a value-dated transaction is put to a Term/Demand Loan account, the system will check if the
value date is later than the date on which the currently active repayment schedule is specified to the
account.
If the value date is such that other demands and collections have already been posted after value
date, the entire history of demands and collections is reworked and the database updated by the
system to reflect the correct picture, which can be viewed by invoking the menu option ‘LAOPI’.
The system will also re-calculate the interest in the account during the next interest run date and
adjust the excess/less amount of interest if any charged to the account.
The information regarding the adjustment of such interest can be taken from the interest application
report generated by the system on the interest application date, which is available in the ‘PR’ menu
option of the person invoking the interest application process.
All the clearing transactions in the Term/Demand Loan accounts should be routed through Sundries –
General Account. Any direct credit of a clearing transaction to a Term / Demand Loan account and
subsequent returning of the cheque will lead to incorrect overdue position in the account.
First step:
Invoke the menu option TM and enter ‘A – Add’ in the Function field.
Enter the Type/Sub Type field as ‘T/BI’ or ‘T/CI’ for Bank induced or Customer induced respectively
and <accept>.
Then enter the account number in which the transaction is to be reversed in the field A/c No and
enter the amount of transaction, which is to be reversed in the field Amount.
In the field type of part transaction enter ‘D – Debit’ if the credit entry is to be reversed or enter ‘C –
Credit’ if the debit transaction is to be reversed.
Thereafter enter appropriate particulars in the Particulars field and then enter the field Value Date
field with the original transaction date and accept.
The system will force the user to enter the Additional Details.
In the Additional Details the field flow id should be same as of original Transaction which is going
to be reversed.
The system identifies a transaction, as a reversal transaction whenever a debit or credit
transaction is entered with same flow id as of original transaction and the transaction is
value dated with that of the original transaction.
The value in the field REVERSAL FLAG should automatically be changed to ‘Y’.
Then the tran id of transaction to be reversed is to be entered in the REVERSAL TRAN ID
field.
This field consists of three parts, the first is reversal tran id i.e. the original tran id that
is being reversed, and the second is the reversal part tran serial number and the third
part is the date of original transaction.
This field can be entered only if the Reversal Flag field is set to ‘Y’. The option of <list>
is available for the transaction id and Explode is available for the reversal date.
On entering the required information accept and commit the transaction and get the transaction
verified.
The system will identify this transaction as a reversal transaction and the effective interest amount
debited to the account will be adjusted by the system whenever the interest is run in the account.
Similarly, the demands/ collections also get adjusted accordingly.
LOAN DISBURSEMENT
In Loan accounts, disbursement can be made either through menu option ‘TM’.
In case disbursement is made through `LADISB’, the system automatically creates the transaction in
the account, posts it and verifies it. Hence, no verification is required.
Subsequent and multiple disbursements can also be handled through this menu option.
The fields required to be entered in the menu option ‘LADISB’ are as under:
FUNCTION: Enter the function code as ‘D – Disbursement’.
A/C NUMBER: Enter the account number in which the disbursement is to be made.
VALUE DATE: Enter the value date for the disbursement being made in the account.
Then <accept> to go the next block. The system will display the information regarding Loan
Amount, Loan Period, Loan Amount Disbursed and Amount Available for Disbursement in the
account.
TRAN TYPE: Enter the type of transaction. Valid values are ‘C’ – Cash and ‘T’ – Transfer.
DISBURSEMENT AMOUNT: The amount to be disbursed during the process of
account opening is to be entered in this field.
CREDIT A/C NO. : The account to which disbursement is to be credited.
There was no provision to capture External Credit Risk Rating details in CBS. In order to capture External
Credit Risk Rating, a menu option CRMS has been customized. This provides capturing of data at four
level i.e. customer level, Account level, Guarantor level and security level. User has to enter the following
input under ‘Rating for’ field for selecting the level for which data is to be capture:
1. CU - Customer
2. AC – Account
3. GU – Guarantor
4. SC - Security
User has to capture the external credit risk rating for each level, wherever applicable under the following
fields available under CRMS menu option:
2. Rating Agency : This is a code based field and all the valid values will be
displayed on F2 help key.
3. Rate code : This is a code based field and all the valid vales will be
displayed on F2 help key based on ‘Rating Type’ and ‘Rating Agency’
4. Rate Desc : Rate description will be displayed automatically on selection of Rate code.
For capturing of data for Customer (level – ‘CU’), Customer Id of the customer has to be fed thereafter
Customer name will be displayed by the system. For feeding of external credit risk rating for an account
(level – ‘AC’) or security attached with the account (level – ‘SC’) has to be fed under ‘Rating for’ field and
aforesaid six fields has to be captured.
For capturing of data for Guarantor (level – ‘GU’), where guarantor having external rating, guarantee type
has to be selected. The guarantee type is a code based field and all the code available under ‘Guarantee
cover code’ (under ‘V’ details – for fund based facilities) and ‘Guarantor Type’ (under NFDET menu for Non-
fund based facilities) are displayed. System will allow capturing if the code selected under ‘Guarantee Type’
field has already been assigned under ‘Guarantee cover code’ for fund based facilities or under ‘Guarantee
type’ field in menu option ‘NFDET’ for Non-fund facilities.
A – Add
I - Inquire
M – Modify
D - Delete
V - Verify
Guarantee Bank In case of Rate for "GU" , to be filled where Guarantor type is
"GUTBI - Bank/Insurance Co"
In Case of GU-Guarantor
M – Modify (Unverified record can be only modified by the entry user only, after Verification other
user can also modify)
V – Verify - Verification should be done with user other than the one who has Added/Modified.
Verification is must after any of the operation (Add/Modify)
D – Delete (Unverified record can be only deleted by the entry user only, after Verification other
user can also Delete.)
OLAPS – PRINCIPAL SUBSIDY ACCOUNT OPENING – menu has been customized for opening of all new
accounts, where backend principal subsidy shall be available. The unique feature of this menu option is
that apart from opening the main TL account will be simultaneously open a ‘ Linked subsidy SB account’
and link it to the loan account. At the time of application of interest in loan account, system net off the
subsidy amount parked in Linked Subsidy SB account.
st
Effective 1 April, 2012 onwards, branches must use this menu option ONLY for opening any new term loan
account under any backend principal subsidy scheme.
In the ‘Function Code’ field, main options are – A – Add, V – Verify and X – Cancel
Whether PMEGP A/c? Assigning the correct value in this field is “Very Important” Default value set as
“N” which should be retained while opening the a/c except PMEGP. In case account
is opened Under PMEGP scheme this flag MUST be modified to “Y”.
Impact of this flag is that when value is retained as ‘N’, the ‘Linked Subsidy SB Account’ will be
opened by the system with GL Sub Head as ‘35600 – Subsidy Reserve Fund’. But when this flag
is kept as ‘Y’, the ‘Linked Subsidy SB Account’ will be opened by the system with GL Sub Head
as ‘10100 – Fixed Deposit’
Repayment Method The default value – E – Recover from operative a/c upto effective
available balance has been set, which should be retained.
Subsidy Agency Select the appropriate ‘subsidy agency code’ from the list shown in this
field.
After entering all the relevant details, press <f10> to commit the account –opening. The following message
– “Record Added” along with Term Loan account number shall be displayed.
Verification of Opening of Term Loan Account and Subsidy Linked SB Account:
The ‘Verification’ should be done through menu option – OLAPS also. Give value in Function Code as “V”
and press <f4>. Loan A/c ID field is populated. Give the ‘Loan A/c No.’ generated above in this field and
press <f4>.
Visit all the pages of ‘G – General Account Details’ followed by visiting other options like ‘S – Scheme
Details’, ‘H – Limit History Details’, ‘I – Interest Details’, ‘V – MIS Details’ and ‘E – Repayment Schedule
Details’. After verifying all these details, press <f10> to <Commit> the verification of account opening. The
following screen is opened with a Warning – Customer ID differs from Loan & Operative Account.
Please ‘Accept’ it by pressing <f4>. The following page is opened confirming that the record has been
verified. Now, both the Term Loan account as well as its Linked Subsidy SB account is verified
VERY IMPORTANT: From the above page, press <f3> twice and the following message –
“Account has been Verified Successfully” must be shown by the system. Please note that <f3>
should be pressed twice, else the verification will be not be complete. In this context, it is
informed that in the above process, system complete the following activities:
Check both these account numbers through menu option – ACI. In Term Loan account, the Linked Subsidy
SB account should be shown under option – ‘+ - Notional Pooling Account’ in ACI. Check Linked Subsidy SB
account through ACI and ensure that it should show ‘Debit Freezed’.
All the transactions including disbursement, recovery, charges, etc. except subsidy related transactions, in
loan account should be done through normal menu option – TM
After entering the above values, press <f4>. And following details should be entered in next screen:
Field Values to be assigned
Subsidy Amount – INR Enter the amount of subsidy received
Subsidy Agency Code Select the appropriate Subsidy Agency Code from the <List>
available on this field
Subsidy Recd Date Enter the date on which subsidy is received. The date format should be
DD-MM-YYYY
Lock in Period – Mnths Enter the number of months as per the ‘Lock in Period’
prescribed in the scheme
Source Account Enter the account number which is to be debited
Value Date Enter the ‘Date’ from which the effect of netting off the
Subsidy Amount is to be given in loan account for charging of interest.
The date format should be DD-MM-YYYY In case the subsidy is received
subsequent to opening of loan account and effect of netting off is to be
Zonal Training Centre Dehradun [95]
given from the ‘Account Open Date, the value date given should be that
of
‘Account Open Date’. In this case, system will re – calculate
the interest from the beginning by giving the effect of Subsidy Amount.
On pressing <f4>, the following message, showing that transaction has been added successfully, will be
displayed by the system.
On pressing F4 twice One more screen will opened showing Tran ID having posted it successfully.
CAUTION: In no case the transaction in Linked Subsidy SB Account should be done through
menu option TM.
Guidelines for appropriating/ crediting this ‘Subsidy Amount’ into ‘Term Loan Account’ by debiting/
transferring it from the ‘Linked Subsidy SB Account’.
There can be following scenarios for appropriating the subsidy into Term Loan Account:
It is reiterated that all subsidy related transactions must be done through menu option – TMPS. For
appropriation of subsidy, the ‘Tran Type’ should be assigned as ‘D – Debit’.
In these guidelines, branches were advised to use a new workflow menu option – OLAPS. Based on the
issues received it is observed that branches are not following the guidelines on opening of Term Loan account
through OLAPS and its ‘Verification’, resulting issues like ‘Linked Subsidy SB Account’ is not opened/ Term
Loan account and Linked Subsidy SB Account are not properly linked/ Linked Subsidy SB Account is not
freezed / TMPS issues, etc. are encountered.
Take utmost care at the following steps of account – opening process through OLAPS:
• During OLAPS – ADD process, after entering all the relevant details, press <f10> to commit the
account – opening of Term Loan. Once the message – “Record Added” is shown by the system along
with Term Loan account number, the user must press <F3> twice and ensure that cursor
• During OLAPS – VERIFICATION process, after verifying all account – opening (OAAC) details of
Term Loan, press <f10> to <Commit> the verification of TL account opening. Thereafter, accept the
Warning “Customer ID differs from Loan & Operative Account” by pressing <F4>. System
shows message at bottom – ‘Record Verified’.
It is reiterated that all subsidy related transactions (Credit or Debit) must be done through menu option –
TMPS. Hence, user must invoke this menu option for doing debit transaction.
On the date of appropriation of subsidy, system validates whether debit is happening before or after the Lock
in Period on the basis of ‘Subsidy Receive Date’ and ‘Lock in Period’ that had been entered at the time when
subsidy was credited into ‘Linked Subsidy SB Account’.
Linked Sub Acct The corresponding Linked Subsidy SB Account is default populated by the
system in this field.
Loan Acct No The Term Loan Account is default populated by the system in this field.
Subsidy Adj Amt System by default populates the subsidy amount outstanding in Linked
Subsidy SB A/c.
Loan Adj Amt System by default populates the subsidy amount outstanding in Linked
Subsidy SB A/c.
Subsidy Refund Acct This field is protected by the system
Subsidy Refund Amt This field is also protected by the system
(#) Important Note: After entering ‘C’ in Close or Adj Debit and Closure Adj Method fields and
on pressing <F4>, system gives the following ‘Alert’ message – “Maintain value for Subsidy
refund account in the variable SUB_REFUND_ACCT using SETVAR”. Ignore this message and
press ‘OK’.
TMPS – VERIFICATION:
The Posting/ Verification of the subsidy – debit transaction has to be done by the authorized user through
menu option - TMPS itself by entering the following values:
On pressing F4 Twice system will generate Tran ID which is confirmation of subsidy appropriation. Please
check that subsidy amount is transferred from Linked Subsidy SB Account to Term Loan Account and Linked
Subsidy SB Account is “Closed” by the system.
CAUTION: Please note that in no case the transaction in Linked Subsidy SB Account should be
done through menu option – TM
There can a requirement for appropriation of partial subsidy amount into Term Loan Account before the ‘Lock
in Period’. The module has the flexibility of handling this requirement also and for which the branches must
follow the procedure as detailed below. User must invoke the menu option – TMPS for doing debit
transaction.
ON THE SECOND SCREEN, THE FOLLOWING VALUES SHOULD BE ENTERED IN THESE FIELDS:
Field Values to be assigned
Close or Adj Debit Since, partial subsidy amount is being debited before the lock in period, select D-
Intermediate Debit and press F4.
CLOSURE ADJ This field gets protected by the system
METHOD
Linked Sub Acct The corresponding Linked Subsidy SB Account is default populated by the system in
this field.
Loan Acct No The Term Loan Account is default populated by the system in this field.
Subsidy Adj Amt On pressing F4 as stated above, system gives a message – “Subsidy Adjustment
Amount Cannot be 0”. Hence, enter the partial subsidy amount to be appropriated
in this field. System will not accept the full subsidy amount outstanding in Linked
Subsidy SB account
Loan Adj Amt This field also gets protected by the system
Subsidy Refund Acct This field also gets protected by the system
Subsidy Refund Amt This field also gets protected by the system
Now after giving values in Subsidy Adjustment Amount field, again press <F4> on which the system gives
the message - “Debit Subsidy Added Successfully”. – (VERY IMPORTANT).
Zonal Training Centre Dehradun [98]
TMPS – VERIFICATION:
The Posting/ Verification of the subsidy – debit transaction has to be done by the authorized user through
menu option - TMPS itself by following the verification procedure. The Authorizing User must press <F4>
again to confirm the subsidy appropriation. Please note that in this case, some subsidy amount shall remain
outstanding in Linked Subsidy SB Account and system will allow the user to debit the same only after the
Lock in Period.
(III) CLOSURE OF TERM LOAN ACCOUNT BEFORE LOCK IN PERIOD:
There can a scenario where the Term Loan is required to be closed before the Lock in Period and subsidy on
pro – rata basis is required to be appropriated in Term Loan account.
The present module has the flexibility of handling this requirement also, where in pro rata subsidy from the
‘Date of Subsidy Receipt’ till ‘Date of Appropriation’ (before Lock in Period) is credited into the
Term Loan Account and balance subsidy is credited into a Subsidy Refund Account.
As stated above, the user must invoke the menu option – TMPS for doing debit transaction. On the second
screen, the following values should be entered in the respective fields:
TMPS – VERIFICATION:
The Posting/ Verification of the subsidy – debit transaction should be done by the authorized user
through menu option - TMPS itself by following the verification procedure. The Authorizing User must
press <F4> again to confirm the subsidy appropriation.
The module can handled complete refund of Subsidy Amount to Subsidy Agency before Lock in Period. For
this, in TMPS – Add mode, the following values should be assigned in Debit transaction:
The system by default populates `PRDEM’ in the FLOW ID field, which should not be modified.
In the field START DATE enter the due date of the security in the Demand Loan account.
Then, enter ‘1’ in the NO. field, which denotes single installment.
Specify the Frequency of repayment in the field FREQUENCY as under:
1st column: D – Daily, 2nd column : Should be left Blank, 3rd column : Should be left Blank
4th column: Should be left Blank, 5th column: Should be left Blank
In the field AMOUNT enter the principle amount of the respective security i.e. the value of the
security less margin if any.
In case there are more than one security then, press arrow down key and repeat the process for the
second and subsequent securities.
Zonal Training Centre Dehradun [100]
It must however be ensured that the repayment schedule starts with the earliest due date of the
security and the due dates of the subsequent securities should be in the ascending order.
There is no restriction on the number of repayment schedules being entered for an account except
for the condition that the due dates should be in the ascending order.
The procedure for opening a Working Capital Demand Loan account is same as that of opening a
Demand/Term loan account. The following deviations are to be followed in the procedure for opening a
Working Capital Demand Loan Account. The Scheme Code for opening a Working Capital Demand Loan
should always be ‘DLGEN – Demand Loan General’.
However, if the interest charged/ the principle due in the WCDL Account is to be recovered automatically by
the system from the connected Cash Credit Account then the following set up is required to be made in the
‘S – Scheme Details’ of the account opening:
REPAYMENT METHOD: This field should contain any of the following values as per the requirement:
E – For recovering the interest charged/principle due in the WCDL account from the Cash Credit
account to the extent of available balance.
T – For recovering the interest charged/principle due in the WCDL account by allowing a
temporary overdraft in the Cash Credit account to the extent of shortfall.
OPERATIVE ACCOUNT No.: Enter the connected Cash Credit Account number in this field from which the
interest charged/principle dues in the WCDL account are to be recovered.
The system will recover the interest as and when charged to the WCDL account from the Cash
Credit Account when the aforesaid set up is made in the account opening and when a batch
process is run using menu option LADSP.
Similarly the system will also recover the principle dues in the WCDL account on the due date
from the Cash Credit Account, unless the WCDL is rolled over before the due date. The
procedure for the roll over of the WCDL account is given in the next chapter.
As the repayment method for the WCDL account is different from any Demand Loan account, the details in
the sub option ‘E – Repayment Schedule Details’ should be entered as under:
FLOW ID – The system by default populates a PRDEM, which is applicable for the scheme. The flow-
Id displayed by the system need not be modified.
START DATE: Enter the date on which the repayment of WCDL amount falls due in this field.
NUMBER: Enter the value ‘1’ in this field.
FREQUENCY: In the first column of this field enter ‘D – Daily’ as the frequency for the account. All
the other columns should be left blank.
AMOUNT: Enter the Principle amount in this field.
DEL: The system allows deletion of a wrong repayment schedule before verification of the account.
In order to delete the record the valid value is Y else N.
After entering all the other applicable fields, commit the account opening note down the account number and
get the account verified.
Invoke the menu option ‘OAACAU’ and enter `V’-Verify in the function field.
However, Modification of the account details is also possible through this menu option but before
verification of the account.
For this, invoke the function-`M’-Modify in the function block instead of `V’.
As a part of the verification process, all the sub options are to be visited,
Zonal Training Centre Dehradun [101]
Special attention should be paid while visiting certain important sub options viz. S – Scheme Details,
E – Repayment Details, V – MIS Codes, H – Limit History Details, 3 – Disbursement Tran Details.
On commit the system displays a message about the transaction details, which is created for
disbursement of the loan amount (if disbursement is done as a part of the account opening process
through sub option 3).
Note down the transaction id for future reference and accept to verify the account number.
The menu option REPHASEI has been modified to rephase the accounts where the scheme type is LAA and
the scheme code must be of EI type. This menu option will rephase the accounts:
i) where there is a change in the rate of interest applicable in the accounts
ii) where there are pre-payments (advance recovery) in the accounts.
In case of any other scenario where rephasement of an EI based account is required, the existing procedure
of rephasing the account using menu option ACM – E - Repayment Schedule Details, as applicable to the
Non-EI based loans is to be followed.
FUNCTIONALITIY
On executing the menu option REPHASEI, While there are no changes in the functionality of the fields -
Service Outlet, Scheme Codes, Currency Code, Product Group, Start A/c No. and End A/c No., the other fields
where the functionality has been modified are as under:
Adjust Amount/Period: Enter ‘A’ - For Changing EI amount and keeping period same, or enter ‘P’ -
For Changing period and keeping EI amount same.
Interest Rate Change: Enter 'Y' if rescheduling is to be done for interest rate change, otherwise enter
'N'.
Prepayment: Enter 'Y' if rescheduling is to be done due to prepayment, otherwise enter 'N'.
Date Range From/To: Accounts for which either prepayment or interest rate change happened during
the date range entered in these fields will be selected for rephasement.
The same procedure should also be followed for rephasement of EI based loan accounts on account
of any reason other than changes in Interest Rates and/or Prepayment (Advance Recovery).
LOAN MODELING
Prior to opening or during re-schedulement/ re-phasing of a loan account, there is a need to evaluate various
options that are possible/ available and choose the one, which suits. This requirement has been addressed
through menu option 'LAMOD' which will perform a What If Analysis for various scenarios. Typically a loan is
characterized by the following variables and the requirement would be to know one of them given others.
The variables are:
1. Loan period
2. EMI amount
3. Principal amount
4. Interest Rate
LAMOD is the menu option that can compute the unknown variable based on the value of the others. Once
the unknown parameter is computed the repayment schedule is also printed.
LAMOD can be used to arrive at the instalment amount (or any other unknown parameter of a
loan a/c–namely, Loan amt, intt. rate, no of instalments) given all the other parameters :
LOAN MODELLING
This option (1) is to be used for modelling a new loan account.
The following fields need to be entered so as to be able to calculate the unknown loan parameter:
Origination date - This is the loan account opening/disbursement date. It is defaulted to BOD date
but it can have future/past dates also.
Loan Amount, No. of Instalments, Interest Rate, Instalment Amount are the four basic loan
parameters. Given any three the value of the fourth parameter can be calculated.
All the other fields in the second part of the screen can either be entered, or the Scheme code can be
specified and the other values will be taken from whatever has been setup at Scheme level.
If the interest rate is not entered, then the interest rate is selected from the Scheme Code if entered
for computation.
If the Scheme code as well as other parameters are entered, then the defaulted values of the scheme
are overridden with the values entered on the screen and computation is done accordingly.
EI Payment Frequency, Compounding Frequency, may be entered as per the requirement. However,
EI Formula Flg must always be ‘M – EMI formula’ which is applicable.
Interest Base Method should always be ‘D – Daily’ while the No. of Days in a Year and Leap Year
Adjustment as displayed may be retained.
Once the unknown parameter of the loan is calculated, the amortization schedule can be seen with
an explode from the first screen.
On this second screen, the Installment Start Date can be entered (it will be defaulted to the loan
origination date) .
If the Installment Start Date is after one installment frequency from the Loan origination date (there
is a holiday period) then the value of the field “Apply Full Period Interest” is not of any significance.
However when there is no holiday period (the first installment is within one frequency of the loan
origination date), then if Apply Full Period Interest = Y Then for a loan origination date - 10/12 ,
Instalment start date - 20/12 ,
An entire months interest will be computed for the 10days between loan origination and instalment
start date. If the flag is set to “N” then only 10 days of interest will be computed.
LOAN RESCHEDULING
This option (2) is to be used for modelling an existing loan account for rescheduling/ rephasing. The following
fields need to be entered so as to be able to calculate the unknown loan parameter:
Account No – The account for which rescheduling has to be done,
Reschedule Date – The date as of which rescheduling has to be effective. This date has to be greater
than or equal to BOD date.
Calc Int upto Reshdl. Dt - This field has relevance only if capitalize interest = Y, what this means is
that if Calc Int upto Reshdl. Dt = Y, the interest upto current date will also be included in the
rephasement principal.
However if Calc Int upto Reshdl. Dt = N, this interest will not be included in the rephasement
principal.
However, if capitalize interest = N, then the value of Calc Int upto Reshdl. Dt is of no significance.
LAMOD LIMITATION
In cases where the unknown variable is Interest Rate, modelling will be restricted only to cases where EI and
Int. Calc frequency are same. Rephasement modelling cannot be done for an account with a multiple
repayment schedules.
Interest Calculation depends mainly on the set up done at Scheme Level. System calculates interest which
are of Normal, Penal and Additional. QIS and Stock statement interest are not applicable for Loans scheme
type.
Interest calculation is a process which is affected during the following events:
A menu option LADGEN is provided which can be used to raise both principal and interest demand for loan
accounts. Accrual and booking for loan accounts can be done through ACACCR and ACBOOK menu options
respectively.
SALIENT FEATURES
The following changes are made for the merger of principal and interest demand generation of loan
accounts:
The new menu option LADGEN is provided which will generate both principal and interest demands
based on the frequency set in the ‘E - Repayment Schedule’ details for principal and interest in the
menu option OAAC/ACM.
The option 'LAUPLDMD' generates principal demands only for Non-EI type of accounts.
Interest demand frequency and next interest demand date will be captured in the menu option
OAAC/ACM – E - Repayment Schedule Details. The corresponding fields present in G - General Details
of OAAC/ACM not to be used for loan account interest calculation.
On invocation of the menu option LADGEN, the following reports will be generated :
1) Detailed list of EI (Equated instalment) amount for the EI Based Loan accounts and
the details of the Principal and Interest demand amounts for Non-EI based loan accounts
sol, scheme and currency wise for the accounts processed.
2) Failure Report for the accounts where the demand generation has failed.
3) Interest Detail Calculation Report which is similar to the Interest Success Report
generated through menu option ACINT.
4) OFTI – Post Report giving the details of the transactions created in the process.
1) In case of EI based Loan accounts where installment amount is a combination of principal and nterest
parts, it must be ensured that the Force interest run flag is always set to ‘N’.
2) However, for the purpose of rephasing of EI based loan accounts where it may be required that interest
is run up-to-date, this flag may be set as ‘N’.
The menu option LADGEN will generate both Principal and Interest demands based on the frequency
set in the Repayment schedule details of ACM.
The frequency set can be different for principal and interest demands can be different for Non-EI
based Loan accounts and if they are different, either principal or interest whichever falls due on the
BOD date will be processed and demands will be raised accordingly.
However, in case of EI based Loan accounts, the Flow start date & Frequency set up for Principal and
the set up for the Interest in the Interest Demand date & Frequency should not be different.
The important features/ limitations in demand generation process for the loan accounts :-->
1) For Non-EI accounts, even if interest demand generation fails, principal demand will be raised. But for
EI accounts, if one of the demand creations fails, no demands will be raised except where force
interest run flag is set to Y.
2) Earlier for compounding of interest to happen correctly, it was expected that interest calculation for
each frequency period was to be run through ACINT menu option separately. Presently, the menu
option LADGEN will also work the same way as was in ACINT. This requirement can be achieved by
running LADGEN with ‘Force interest run’ flag set to Y and by entering the date up to which the
interest has to be calculated in the filed ‘Interest Till Date’.
With Force interest run flag as Y, it will be mandatory to enter Value Date. If Force interest run is N, then
value date will not be considered in demand generation.
the ‘E – Repayment Schedule Details’ should be correctly filled especially in case of EI type of
accounts, whether opening a fresh account or opening the account in Transfer In mode.
Ensure that Disbursement is made in all the accounts (i.e. with flow_id = ‘DISBT’).
Valid Interest Table Codes are not assigned in the accounts while opening accounts by the branch
(normal as well as transfer-in) or while doing subsequent modification through INTTM.
All the loan accounts with ‘0.00’ balance should be checked and if warranted, the account should be
closed.
Data in ‘U- Un-computerised Details’ should be entered correctly, particularly, ‘Repayment Schedule
Date’ in ‘U- Un-computerised Details’ should be equal to ‘Account Open Date’ in ‘G – General Account
Details’.
The menu options – LAUPLDMD/ EIUPLDTI should be executed successfully i.e. ‘Procedure
Completed’ message is shown by the system,
The status of the account should be completed i.e. the ‘Last Part Tran Flag’ should be made .‘Y’.
In Loan accounts where partial disbursement has been made and advance recoveries are received,
the Demand Generation and Interest Application should be regularly checked.
All the Interest Success Reports/ Interest Failure Reports/ Demand Generation Success Reports and
Demand Generation Failure Reports should be saved and checked.
All Failure Reports should be meticulously checked and corrective action be done.
All ‘Revenue Related Reports’ in ‘RAUDIT’ should be regularly generated and checked.
The menu shows the details of interest run / booking in the account.
It can be viewed through menu ‘acm’ with sub-option ‘?’.
Navigation has been provided to ascertain the position of normal, penal, additional and other
interests. By exploding the screen.
Details of normal, penal, additional and overdue interest can be ascertained by simply exploding the
screen
An Interest Certificate may be issued to the borrower (s) who have availed housing loan from the bank for
availing benefits under the provisions of Income tax act, for the complete financial year on actual basis. The
above interest certificate be generated from Finacle Sysem as under:
1) For all housing loan accounts except the accounts (i) where repayment has not started; and (ii) re-
phasement has been done consequent upon expiry of moratorium period –
The Interest Certificate be generated in MIS Server under ‘PNBRPT 3/56c’ by providing the
following basic inputs:
2) For Housing Loan accounts (i) where repayment has not started; and
(ii) re-phasement has been done consequent upon expiry of moratorium period –
The interest certificates can be printed after invoking the menu INTCERT.
Limitation of above menu is that previously printed records will not be printed in a subsequent run of a
normal print request. These can be printed through a request for duplicate print.
NEW REPORT – 'INTPROOF'
This menu option is provided to generate report for a particular period for which interest run has already
taken place. Menu ‘INTPROOF’.
Proofing works for SB/CC/OD/CA types of accounts.
Proofing is not applicable if recalculation happens across cycles in case of compounding,
Proofing does not work for the DEBIT runs on migrated accounts for the period in the earlier
versions.
PRINTING OF INTEREST RATE CHANGE ADVICE-- 'INTADV'
1) On invoking the menu INTADV, the system will generate a letter addressed to the customer
informing him the change in interest rate.
2) Above facility has also been provided in the menu INTTM, where the interest rate code are changed,
3) However to enable above facility set some parameters, which are as under in, sub-option ‘A’ of menu
‘ACM’.
4) ‘Interest Change Advice Flag’ and ‘Interest Certificate Print Flag’ has to be set as ‘Y’ to avail this
facility.
5) These two flags will be defaulted to ‘Y’ for all existing Main account holders at the time of migration.
6) If required, the advice can be generated for pegged accounts also during INTTM verification. The
option of not taking the report at this stage is available.
History of correspondence made with the customer on the reminders sent for regularisation of the
account, can be maintained in the system.
The menu option to be invoked to input this information is ‘LAFHM – Loan Follow-up History
Maintenance’.
FUNCTION: The options available in this field are:
NOTICE ID: The following Notice Ids are to be used for different purposes:--
Notice Id Purpose
REM1 For issuing first reminder in the account
REM2 For issuing second reminder in the account
REM3 For issuing third reminder in the account
NOTICE DATE: Enter the date on which the notice was sent.
REMARKS: Enter the remarks if any, may be entered here.
On entering the required information and on accepting and committing, the system will generate the
reminder for the account entered, which should be printed and dispatched to the borrower.
It is also possible to generate a common reminder in all the irregular Term/Demand Loan accounts
through menu option ‘LAODR' – Loan Overdue Demand Reminder/Report’.
After entering the required criteria, accept, enter the print parameters and commit.
The system will generate the required report/reminder, which may be printed and the reminders may
be dispatched to the concerned borrowers.
It must be ensured that the correct and current address of the borrower is entered in the sub option
‘G – General Details’ of the menu option ‘CUMM – Customer Master Maintenance’ for the Cust Id of
the borrower.
Further, if the reminder is also required to be printed to the guarantor(s) in the account, then it must
be ensured that the field ‘Print Loan Notice?’ is set to ‘Y’ and correct and current address is entered
in the sub option ‘A – Related Party Details’ of OAAC/ACM menu options of the concerned account.
For entering the Date of Security and Balance Confirmation Letter obtained in an account invoke the
menu option `ACM- Customer Account Maintenance’ and the sub option ‘M – Modify’.
In the option block enter ‘S’ and press F4. In the field ‘Debt Acknowledgement Date’ enter the Date
of the Security and Balance Confirmation Letter and press F4 and F10.
This Modification requires verification.
For marking a Term/Demand Loan account as RECALLED, invoke menu option ‘ACLHM – Account
Limit History Maintenance’ sub option ‘M- Modify’,
Enter the account number and value ‘D’ in the field ‘Operation’.
Modify the A/c Recalled field in the next screen by substituting ‘N’ with ‘Y’ and commit.
The education loan/staff housing loan/staff vehicle loan a/c is to be opened under scheme code ‘TLRED,
TLSHL and TLSVL, respectively, using menu option ‘OAAC’, as hither to. The normal procedure for opening
the account in CBS is to be followed. However, the following parameters should be given special
consideration during opening of the a/c;
Effect:- Interest will be debited to office a/c and not to loan a/c. The office a/c here means partitioned
account, where simple interest is Parked, during the moratorium period in education loan and till the Start
of repayment of interest in staff housing/vehicle loan.
Rate of Interest: - Appropriate interest rate code may be assigned from ITD CBS circular issued from time
to time. Regarding relevant interest rate code user may take help by assigning “flag code” followed by listing
help through F2 key.
E details –
---------------------------------------------------------------------------------------------------------------------
Flow start date = Repayment start date - Future date i.e. month end date after the expiry of moratorium
period.
Effect: - System will raise the principal demand on reaching the date given in this field.
Int. Demand date = Last day of month in which the a/c is opened in CBS.
Effect: - To facilitate charging of simple interest from the date of first debit entry in the a/c, however, the
interest will not be debited to loan a/c; instead it will be debited to partition account.
If the ‘Interest demand effective date’ is left blank or wrongly filled, the rectification may be done through
menu option LAIDC, only if interest demands are unsatisfied. The verification of modification done through
LAIDC has to be done through LAIDCAU only. This menu is applicable for account opened under scheme
codes ‘TLSVL/TLSHL/TLRED’ and it can only be used before transfer of interest liability to main loan account.
In education loan a/c, the borrower may pay the interest during the moratorium period. The issue can be
handled as under:
Execute the menu option ADINTREC with the recovery amount for the a/c and then create a normal
transaction through menu option TM for crediting the proceeds to partition a/c no. <Sol_id>5711407
and giving the loan a/c no. in ‘G’ details of TM.
The entry should be reversed through TM keeping the Reversal Flag as ‘Y’ in A-details of the TM and
give the Reversal tran_id - which is intended to be reversed and credit the proceed to partition a/c,
as explained above.
PHINQ: - The detailed enquiry of the partition a/c, where interest is parked/debited, w.r.t. to loan a/c, can
be done through menu option PHINQ giving loan a/c no. and partitioned a/c no. as under:
The report can also be printed thru PHINQ from MIS server.
LAXFRINT/PRELAX: The interest liability needs to be transferred to loan a/c through menu option
PRELAX/LAXFRINT in the following scenarios:
o Education loan - On start of repayment or if the borrower wishes to repay the principal before the
end of moratorium,
o Staff housing/vehicle loan - on start of repayment of interest portion when principal have been paid
in full.
This step is to be performed even if the interest have been serviced and partitioned a/c is showing ‘Zero’
balance.
Effect: Execution of Prelax/Laxfrint modify the ‘Debit Int. To’ flag to ‘L’ from ‘O’ (i.e. to loan a/c from office
a/c), which facilitate the debiting of the interest to loan a/c during next interest run. However, it is advised
to charge up to date interest in the account before execution of PRELAX/ LAXFRINT.
It is observed the field functionaries forget to transfer the interest parked in partitioned a/c to main loan a/c
on due date. To obviate the problem, a report was customized and made available at PNBRPT 3/30. The
report is indicative and it provides the following three lists:
(1) A/cs opened under scheme code ‘TLRED’ where LAXFRINT executed but ‘Int. on Int. demand’
flag is still ‘N’.
(2) A/cs opened under scheme codes ‘TLSHL & TLSVL’ where LAXFRINT executed but ‘Int. on
Principal’ flag is “Y”.
(3) A/cs where LAXFRINT has fallen due but not executed.
The guidelines in this regard were circulated vide ITD/CBS/Cir. No. 31/2007 dated 01.05.2007.
In case of staff housing & vehicle loan, accounts are to be rephased after execution of Laxfrint and
‘Interest on Principal’ flag needs to be modified to “N” where principal amount have been repaid
and interest is not to be charged on interest liability outstanding in the account. It is advised to
charge up to date interest in the account before execution of PRELAX/ LAXFRINT/ rephasement.
In case of education loan the rephasement is to be done through menu option ‘EDUEMI’. This menu
will call ACM with rephase flag as ‘Y’ and user needs to fill the ‘E’ details with flow_id as ‘EIDEM’. The
verification is to be done through menu option ‘ACM’. This will transfer the loan a/c to new scheme
code ‘TLEDU’ and ‘Int on Int. Demand’ flag will be modified to ‘Y’.
It is observed that branches forget to rephase the a/c after execution of LAXFRINT/PRELAX. To help the field
functionaries, a report is made available at PNBRPT 3/35. This is an indicative report which provides the
following two lists:
Zonal Training Centre Dehradun [112]
(1) List of A/cs where rephasement is due in next 31 days.
(2) List of A/cs where due date of rephasement has already expired and a/c remains unrephased.
The guidelines were circulated vide ITD/CBS/Cir. No. 19/2008 dated 23.02.2008.
Interest concession, where ever granted, is to be handled procedurally, by giving +/- numeric value in “A/c.
Pref. Int.(Dr.)” field using menu option INTTM. However, it is to be noted that system can recalculate the
interest only from the date of last rephasement.
i) This menu option will capture the data customer wise. If account is in more than one SOL, the data
is to be captured separately for each SOL.
ii) Function code are A(Add), M(Modify), V(verify), X(Cancel), D(Delete), U(Undelete), and I (Inquire).
(iii) If 2 digit code already entered use option modify and select 4 digit group codes as per details of
code contained in above circular.
Before executing the account closure procedure the following steps must be followed:
Execute menu option `ACM- Customer Account Maintenance’ enter ‘M – Modify’ in the function block
and enter the Account Number in the next field.
Then enter ‘0 – General Account Details’ in the option field accept and go to next screen using F6.
Modify the field ‘Pay Interest?’ from ‘Y’ to ‘N’. Get the modification verified.
Ensure that all securities attached to the account are deleted through SRM and SRM is verified.
Ensure that no standing instructions are outstanding where the Term/Demand Loan account is
mentioned.
Ensure that there are no pending transactions for the account in entered status for the account.
On pressing F4 the system shall calculate the up-to-date interest and create transaction for interest
debit and post the same in the account under closure.
The interest entry shall be in the entered state if any exceptions are encountered.
Come out of the menu option CAAC by pressing F3 print the interest application report through menu option
PR and post and verify the interest transaction if it is in entered status through menu option TM.
However if the interest is being debited to office account then, after interest calculation and post and verify
the transaction to the office account through menu option TM and invoke menu option LAXFRINT for
transferring the interest liability from office account to the loan account.
After the interest is applied to the account through menu option ‘CAAC’, the system will show the
exact liability in the account on the day of closure as soon as the interest transaction is posted and
verified.
The loan account should be credited by the debit balance amount through menu option TM and with
flow id ‘COLEC’ and the transaction should be posted and verified.
Zonal Training Centre Dehradun [113]
When the account balance is zero once again invoke menu option CAAC, enter Account Number and
press F4. Ensure that the field ‘RUN INT. CALC. NOW’ is default populated as ‘N’ and the field is
protected.
The system displays a message at the bottom of the screen that the interest calculation is up-to-date.
After ensuring this, accept and commit account closure
The account closure is to be verified through ‘CAACAU – Close An Account’ menu option.
The verifier has to enter ‘V – Verify’ in the function field.
On pressing F2 in the field ‘Account Number’ the system will list the accounts where verification of
closure of the accounts is pending.
The required account can be <select>ed. Otherwise the account number may also be entered in this
field.
On pressing F4 the system will display the information as detailed above.
Accept the details and commit to verify the account closure process.
When stock statement is receive by the branch user enter the stock statement under SRM menu option
entering date of receipt of stock statement under receive date field and due date as next due date ( stock
statement is valid till due date )
Stock statement is received on or before the due date, user is required to substitute the existing
record with feeding receive date as date when stock statement is received. On verification due date
will be replaced with next due date by the system as per frequency fed for the account, even if due
date is not changed by the user.
Interest impact - System will not charge penal interest in such cases.
2) STOCK STATEMENT RECEIVED AFTER DUE DATE BUT RECEIVED BEFORE MONTH END DATE
(INTEREST APPLICATION DATE)
In case of stock statement received after the due date user is required to first modify the receive date
of current SRM record and feed receive date as date of stock statement is received and verify the same.
After this user is required to substitute the newly modified record. After verification of substituted record
system will create new record and change Due date as per frequency fed.
Interest impact - System will charge the penal interest on the basis of Receive date fed
before substitution of the record.
3) WHEN STOCK STATEMENT IS NOT RECEIVED AFTER THE DUE DATE TILL MONTH END DATE
In case stock statement not received after due date till month end date, user is required to make receive
date as blank after due date and before month end date.
Important : In case stock statement is received after making receive date as blank before month end
date, user is required to fed the receive date through modification mode under STM and substitute the
record as per process (2) above. If stock statement is not received in the month then receive
date should remain blank.
Interest impact – System will charge penal interest for stock upto month end date on the last day of
the respective month. Against if stock statement is not received for long time then no modification is
required to be done till next submission and system will continue to charge penal stock interest every
month till receive date remains blank.
Zonal Training Centre Dehradun [116]
4) WHEN STOCK STATEMENT RECEIVED AFTER LONG TIME AFTER DUE DATE:
In case stock statement received after long time (several months), user has to feed receive date in
existing record ( where receive date is blank ) through modification under SRM and after verification of
such record user is required to substitute record as many times till due date comes as next month date (
it can be checked after verification of the record).
In Cash Credit accounts, Stock Statement or Statement of Book Debts, etc. is received on monthly/ quarterly
basis. In case the Drawing Power Indicator is set at `D’-Derived from Security and SRM record is created, the
same is to be modified every month / quarter immediately upon receipt of the fresh Stock Stt./ Stt. of Book
Debts, so that the DP in the account gets updated.
Invoke the SRM menu. In the Function field, enter `M’-Modify; give the valid Linkage Type (A or N)
and Node Id or Account No. and Press F4.
The system shows the list of existing SRM records. Select appropriate record (Shift+F4)
In the option field, enter `S’-Substitute and press F4.
Modify the Received Date field with the date of receipt of the current Stock Statement and press F4
and F10 to commit.
Verify this `Substitution’ through SRM-Function: `V’.
In case Charge Details exist for the substituted record, the system prompts to visit the Charge Details
screen before commit. Visit the Charge Details screen and revert back to the Security Details screen
and press F10 .
The above process will insert a new record with the same values as that of old security and update
the drawing power indicator of old security with `S’-Substituted.
For this new record, the drawing power indicator will be `P’-Provisional.
To update the value of security as per the latest Stock Statement/ Statement of Book Debts, this
substituted new SRM record is to be modified.
Zonal Training Centre Dehradun [117]
For this invoke menu option SRM -- `M’-Modify.
After entering the appropriate Linkage type, Node Id or Account No. press F4.
The system lists the old as well as the new record with DP Indicators as `S’ & `P’ respectively.
Select the new record with DP Indicator as `P’ shift+F4. The Security Details screen of that record is
shown by the system.
In the option field, enter `M’-Modify and press F4. Now change the value of security as per latest
Stock Statement / Statement of Book Debts and press F4 and F10.
Verify this `modified SRM record ’ through SRM- Function: `V’.
As the system calculates penal interest for delay in submission of stock statement, the correct date of
receipt must be entered in the Receipt Date field.
In case the value of security is not sufficient enough to cover the outstanding balance as on the date
of modification, the system grants a TOD automatically.
The security record created can be required to be further modified due to:--
• Modification in Charge Details
• Modification in Insurance Details
• Modification in Inspection Details
• Deletion of existing securities
• This can be done by invoking menu option SRM, function as `M’-Modify, give the appropriate linkage
type and the account number or node id and press F4.
• If there are multiple records, the system displays all the records. Select the appropriate record
through Shift+F4.
• The Security Details screen is displayed. To modify the Charge Details, Insurance Details or
Inspection Details, enter `C’, `N’ or `P’ in the option field and press F4.
• In the Option field, enter `M’-Modify and Press F4 and carry out the desired modifications.
• Press F4 and delete 'M' and enter `S’ and press F4 to come back to Security Details screen.
• Delete `C’ and enter `N’ or `P’ to carry out modifications in Insurance Details or `Inspection Details’,
if any. Else, press F10 to commit.
DELETING 'SRM' RECORD
To delete the SRM record, go to `M’-Modify function, give the linkage type and relevant Account No.
or Node ID and press F4.
From the list of records available, select the record to be deleted shift +F4 and in the option field
enter `D’-Delete and press F4.
Press F4 again and F10 to commit the deletion.
All the above Modifications/ Deletions require verification through SRM-Function: `V’.
1. As per existing guidelines, SRM record should be created in the system for each and every security
charged to the bank.
2. For Immovable Properties (IPs) charged to the bank, following ‘Security Codes’ are available in the
system and branches are required to create the appropriate SRM record. For primary security, value in
“Prim/Secnd?” field should be set at ‘P – Primary’ and for collateral security, the value in this field
should be set as ‘C – Collateral’.
3. While creating SRM record for the Immovable Properties charged to the bank by way of equitable
mortgage, special care should be taken in assigning values in the following fields:
Please note that, in case multiple IPs are mortgaged to the bank in a single account, separate
SRM record for each and every IP should be created.
‘C - Charge Details’ is mandatory in all the SRM records created with the ‘Security Codes’ relating to
‘Immovable Properties’. On complying with the aforesaid guidelines on filing of particulars of transactions
creating security interest/ mortgage by way of deposit of Title Deed(s) with the “Central Registry” set up
under the provisions of SARFAESI Act, 2002, its details should be captured in the system by entering the ‘C –
Charge Details’ in the SRM record.
In case, the SRM record in respect of IPs equitably mortgaged with the bank, has already been created in the
accounts, appropriate ‘C – Charge Details’ should be filled in the system by modifying all those SRM
records immediately after the charge has been filed with the aforesaid “Central Registry”.
Please note that above mentioned ‘C – Charge Details’ must be entered for IPs charged with the
bank in the shape of Equitable Mortgage whether as a ‘Primary Security’ or as a ‘Collateral
Security’. (MISC Circular 10/2012)
As per guidelines circulated by IRMD: HO vide aforesaid L&A circular No. 39 dated 25.04.2011, filing of
particulars of transaction creating security interest/ mortgage by way of deposit of Title Deed(s) with the
“Central Registry” set up under the provisions of SARFAESI Act, 2002 is mandatory in respect of all IPs
equitably mortgaged with the bank on or after 01.04.2011. After filing this charge, corresponding
details should be entered in the system as per the procedure explained above.
In case of Public and Private Limited Companies, bank’s charge on these IPs is also required to be registered
with their respective Registrar of Companies (ROC). In such cases, details of ‘Charge’ registered with ROC
are also required to be entered in the system.
To handle this scenario, multiple entries can be created in ‘C – Charge Details’ against a particular SRM
record by pressing <down arrow> key. After entering the charge details in respect of ‘Central Registry’, the
User should press <down arrow> key and enter ‘A – Add’ in the option block and enter the charge details in
respect of ‘ROC’.
In case charge details in respect of ROC have already been filed in the accounts and particulars of transaction
is now filed with the “Central Registry”, necessary ‘Addition’ in ‘C – Charge Details’ can now be made by
modifying the respective SRM record.
To ensure correct generation of MIS reports through the system, it is desired that correct MIS Codes
are entered in the accounts and related SRM record is created, both for the primary security available
in the account as well as the collateral security, if any.
To facilitate the completion of MIS/ SRM related activities, following two customized reports are
available in the system:
Under Staff Loan Schemes including Clean Overdraft Scheme, where the SRM records are created
with Security Code-` `PERSONAL’ as collateral security.
In the absence of any primary security, such accounts are reflected as unsecured by the system and
correct MIS is not getting generated.
As per extant guidelines of the bank, the staff loan a/c sanctioned under staff loan schemes
including Clean Overdraft Scheme should be reported under the category of secured loans.
“Willful Defaulters”, identification of a borrower has to be done at the customer level. In order to generate
MIS on willful defaulters a new code – WILFD – WILLFUL DEFAULTER has been created in CBS under
“Customer Free Code C1”. In case a borrower has been identified as willful defaulter, this code must be
assigned in ‘G – General Details’ at the CUMM level.
‘Report on List of Willful Defaulters’ has also been customized and deployed at PNBRPT – 2/18 in MIS
Server
It is also possible in the application to place a lien on the operative account for pending demands in
the Term/Demand Loan accounts using menu option. ‘LALIEN – Loans Lien Process’
When a lien process is run the system will mark a lien to the extent of available balance in the
operative account or the outstanding demands in the Term/Demand Loan account, whichever is less.
The lien so placed gets vacated when the demand satisfaction process is run using menu option
‘LADSP’.
If the lien process is required to be run on a Term/Demand Loan account then the value in the field
‘Repayment Method’ of the sub option ‘S – Scheme Details’ of the menu option ‘OAAC/ACM’ should
have been modified from ‘N’ which is default populated to ‘E -’ or ‘T’.
When the field ‘Repayment Method’ is modified to ‘E or T’ then, the system will force to enter
the account number on which the lien is to be placed in the field ‘Operative A/c No.’
On entering the required information, <accept>, enter the print parameters and commit. The system
will generate two reports, which gives the details of success/errors of the accounts on which the
process has been run/failed respectively.
The report so generated should be printed and checked.
An accept and commit on blank ‘Scheme Code and From-To Account’ fields will lead to running
the process for all the Term/Demand Loan Accounts.
The field ‘Repayment Method’ under sub option ‘S – Scheme Details’ of the menu option OAAC/ACM controls
the automatic recovery of demands from operative account. The valid values for this field for running the
demand satisfaction process are:
E – Recover the dues from operative account to the extent of available balance
T – Recover the dues from the operative account by allowing a temporary overdraft
to the extent of shortfall
N – No batch recovery should happen
In order to enable the system to run automatic recovery then the value in the field ‘Repayment
Method’ of the sub option ‘S – Scheme Details’ of the menu option ‘OAAC/ACM’ should be modified
from ‘N’ which is default populated to ‘E’ or ‘T’.
Zonal Training Centre Dehradun [121]
When the field ‘Repayment Method’ is modified to ‘E or T’ then, the system will force to enter the a/c
no from which the installments are to be recovered in the field ‘Operative A/c No.’
If the value in the field ‘Repayment Method’ is entered as ‘E’ then the system will recover the
installment on due date from the operative account specified in the field ‘Operative A/c No.’ to the
extent of available balance or the demand amount whichever is less.
In case of shortfall the system will automatically recover the pending demands as and when the
credits are received in the operative a/c provided menu ‘LADSP’ is run every day.
If the repayment method is set to ‘T’ then the system will recover the installment by creating a TOD
in the operative account if the balance is not sufficient to satisfy the outstanding demands in the
Term/Demand Loan account.
When the demand satisfaction process is run and if any overflow amount (advance credits in
Term/Demand Loan accounts) is outstanding in the account, the system will satisfy the demands on
due dates from the overflow amount whenever the process is run.
Whenever the demand satisfaction is from overflow amount, then no transactions are created.
However, if the overflow amount does not satisfy the demands then recovery is made from the
operative a/c for the difference amount and transaction is created for differential amount.
The recovery of the installments from the operative account will be done on the due date as per the
frequency entered in the ‘E – Repayment Schedule Details’ of OAAC menu option.
On entering the required information, accept, enter the print parameters and commit. The system will
generate three reports as detailed hereunder:
1. Loan Recovery Failure Report – which gives the details of the accounts where recovery has failed
along with the reasons for failure.
2. Loan Recovery Success Report – which gives the details of the accounts where the demands have
been satisfied and/or pending.
3. OFTI Post Report – which gives the details of the Tran Ids created during the process.
4. All the report so generated should be printed, transactions created by the system should be got
posted/verified, reports should be checked and necessary follow-up should be made in the accounts
where the recovery could not happen due insufficiency of funds in the operative account.
5. An accept and commit on blank ‘Scheme Code and From-To Account’ fields will lead to running the
process for all the Term/Demand Loan Accounts.
Interest charged in Term Loan accounts under the scheme codes ‘TLSHL’, ’TLSVL’ and TLRED’ is
parked in the office accounts bearing no.<Sol_Id>5711410,<Sol_Id>5711411 and Sol_Id>5711407
respectively.
The menu options PARTINQ & PHINQ are used to inquire the transactions in above noted
partitioned accounts and to generate the report.
Now the menu options ‘PARTINQ’ and ‘PHINQ’ can also be used for inter-sol inquiry.
The process of inquiring the details of the partitioned a/c through menu PARTINQ and PHINQ:--
In the field of Set Id users have to give the SOL _ID of the sol of which the inquiry of partitioned
account is to be made.
In the field of partitioned account the complete partitioned account number prefixed with sol_id, of
which the inquiry of the partitioned a/c is to be made, be given
In the field of account number the complete account number, of which the inquiry is required, be
given
This menu option can be used to extract ,generate or enquiring much information by selecting criteria in the
screen. The option can be used for looking at loan accounts in which there is overflow of funds, which means
Total no. of loan a/cs with their total liability. {Total outstanding in loan accounts.}
Non-interest demand and interest demand in total loan accounts, the total collection and due
amount with percentage,
Account wise details of demands made, collections received and overdue if any is also showed by
the system
If any of the account details are to be viewed, just explode the a/c no. filed and the system shall
display whether the interest is debited to loan a/c or office a/c, security held and its value,
interest liability, interest waived, total overdue installments if any.
If overdue position of a specific demand type is to be enquired then also the option is useful.
The details of transactions through which the installment is adjusted can also be seen by just
exploding the particular record.
A report can also be generated for any criteria or for combination of criteria's and printed through
menu option 'PR'
ACCOUNTS WHERE LIMITATION HAS BEEN EXPIRED OR GOING TO EXPIRE IN NEXT UPTO 12
MONTHS - REPORTING
In CBS system the following two reports are available for monitoring limitation in the accounts:
In order to generate correct position of such accounts in the report it is required that correct information for
each type of account entered in the system. The steps to be taken for entering correct position are explained
hereunder:
1. Standard Account: Debt Acknowledgement date is to be entered through menu option ACM function
–M in ‘S’ (Scheme Details).
2. NPA Account: The details related to each and every NPA account is required to be captured through
menu option NPAD. The fields which are marked blue in the screen shot are mandatory to capture
for each NPA account.
3. Recovery certificate filed cases: ‘Suit Status’ is available where user is required to enter
information related to RC filed cases(legal action initiated under state recovery acts) The information
should start with the text ‘RC............................’. (eg.RC filed on <date>).User may also enter
information in other fields if found relevant to the account. The information entered by one user is
required to be verified by another user as per banks’ guidelines.
4. Suit filed/decreed accounts: Where regular legal suit has been filed and/or decree has
been obtained user is required to change the appropriate GL Sub Head through menu option
TACBSH.
5. WLA Approved accounts: User is required to enter ‘Y’ in first field (WLA Flg?) and date of
approval of WLA in the second field through menu option COWO.
6. Written off accounts: User is required to enter value ‘Y’ or ‘N’ as applicable in the field
‘Written Off Flg?’ The information in the next three field will be mandatory if value ‘Y’ is given in the
first field. The help at key F1 is available wherever required.
The accounts, which are Non-Performing Assets, are to be marked as NPAs in Finacle. These accounts might
have been migrated into Finacle while uploading various other accounts. However, if the accounts are not
migrated to Finacle, then these accounts are also to be opened in Transfer-in mode using the menu option
OAAC.
The accounts, are to be marked as NPAs using the menu option ‘MEAC’ simultaneously change the
GL subhead code of non-performing assets (refer page 174 of this booklet).
Invoke the menu option ‘MEAC’ give the Cust-id of the borrower in the field ‘Cust-id’ and press ‘F4’.
The system will display the account and the existing Asset Classification. Modify the Classification
using the following codes:
Main Classification:
001 - Performing Asset
002 - Non- Performing Asset
Sub Classification:
001 - Standard Asset
002 - Sub-standard Asset
003 - Doubtful Asset
004 - Loss Asset
After making the necessary modification press ‘F10’ which changes the asset classification for all the
accounts of the borrower.
Once the accounts are classified/marked as NPAs then using the menu option ‘TM’ de-recognise the
income in the respective accounts by passing following entries:
Dr. respective income account – Interest earned on loans
Cr. A/c no: <respective loan account of the customer>
On entering the Credit transaction, the additional details are also required to be entered.
Post and verify the transaction.
Whenever any recovery is received into the account and if the derecognised income is to be
reversed, the same is to be done procedurally using the menu option ‘TM’.
The transactions required to be passed for reversal of income derecognition will be as under:
Dr. A/c no:<Respective Loan account>
Cr. Income Account
Normal transaction to the loan account where the recovery is received must also be made.
Both the transactions are to be posted and verified.
If any account is required to be reversed to the Performing Category, the same is required to be
made using the menu option ‘MEAC’ and modifying the required Asset Classification i.e., Main
Classification and Sub-classification to Performing (001) and Standard (001) respectively.
Simultaneously GL Sub head code of the account is also required to be changed to normal account
GL sub head running account
Before initiating the steps for closure of an NPA account, check whether the correct interest rate
is given to the account through menu option ‘ACM’ and sub-option ‘0’ and if the last interest
posted date is correct using the sub-option’?’.
If required the last interest posted date and the rate of interest can be modified using menu
option ‘INTTM’ by changing the required interest rate code and the effective date.
After making the aforesaid checks, modify the asset classification of the account to Performing
(001) and Standard (001) using the menu option ‘MEAC’.
Thereafter run the menu option ‘CAAC’ for closure of the account, Post the Interest Transactions,
Post the Credit Transaction and verify the transactions. Verify the account closure using menu
option ‘CAACAU’.
Simultaneously, reverse the derecognised income for the account.
When a party is sanctioned multiple limits i.e. to say Fund based and Non Fund based and thereafter multiple
accounts are opened under the above categories then it becomes difficult to monitor these accounts
together. Finacle has provision to monitor all the limits and outstanding sanctioned to the party in one go
through LTL (Limit Tree Lookup) which can only be seen if the Limit Nodes of the party have been defined in
the system.
Limit node maintenance allows to maintain the limits and control the drawing power at account
level, limit level etc.
Limit nodes can be linked to accounts, bank guarantees, documentary credits etc.
To monitor party’s total exposure / liability for different types of head like fund, non-fund etc.
Finacle provides feature of maintaining the limits in various currencies and in the
same limit tree also maintaining limits in different currencies are permitted to one
level.
Limit Node is to be created from top to bottom.
Limit ID : Each limit node is identified through a combination of two parameters – ‘Limit Prefix’
and ‘Limit Suffix’. The first field of Limit ID denotes – ‘Limit Prefix’ and second one as – ‘Limit
Suffix’. While creating any fresh limit node, values for these two parameters are to be assigned as under:
Limit Prefix: It represents the customer for which limit node is created. Ideally, the
Customer id should be assigned in this field. However, it is difficult to remember customer
id of all the parties. So name of the party can also be used.
Limit Suffix: It represents the nature of facility for which the node is being created. These
codes are duly defined by the data centre and can be selected from the list available.
PROCEDURE
Create parent Limit Node through LNM. Select ‘Drawing Power ind’ as D-Derived from Security.
Verify LNM.
Create Security Register through SRM. Verify SRM.
Invoke Menu Option – LNM (Limit Node Maintenance)
Function – A (Add)
i) Limits nodes for NFund its child for FLC and ILC are to be created. But, it is to be remembered that
in case the DP is to be derived from parent then %age DP is to be given. However, if the DP
indicator is to be given as E then %age field is not to be used.
ii) If DP indicator in child limit node is given as E which is usually accepted, then normally the
security is attached to the account and not to the parent limit node. The system will update the
transaction in child limit node and its parent limit node and also parent’s parent limit node.
After creating all the nodes limit ids created by the system are to be entered through ACLHM on the DP
screen. By doing this, account will automatically be linked to the parent limit nodes.
Inquiry option is LTL (LIMIT TREE LOOK UP) and LNDI (LIMIT NODE INQUIRY)
ENHANCEMENTS
Finacle 7.0 has been enhanced to attach, an entity of any currency to any limit node. This entity includes
Account, Documentary Credit, Bank Guarantee Forward Contract. Ex: If a limit node L1 is in USD currency
(non-home currency), it can have child nodes L2 in INR currency, L3 in USD currency and L4 in JPY currency.
The fund based limit nodes created above should be attached to the respective loan account in
“Limit ID”
In existing accounts, the same can be attached through menu option – ACLHM by modifying the
‘D – Drawing Power Details’.
During any transaction to the accounts linked to this limit node, system checks for any transgression
in the limit node vis-à-vis the outstanding in the accounts. The transgression will result in the
exception “Liability exceeds Group Limit” being shown to the user, for necessary action.
For regular non fund based limits have been sanctioned to the party, its corresponding Limit Node
MUST be created before allowing availment of these limits.
At the time of issue of Letter of Credit through menu option – ODCM, party’s non fund based limit
node should be assigned at “Party Limit ID” field.
At the time of issue of respective Letter of Guarantee through menu options – GMM, party’s
respective non fund based limit node should be assigned at “Limit ID” field.
NOTE/ IMPORTANT: To calculate risk weight in non fund based business branches to create Limit Node
for each and every non fund based transaction of Guarantee/ Letter of Credit Issue through menu option –
GMM/ ODCM respectively. Branches are therefore advised to create limit node even for individual Guarantee/
Letter of Credit issued to its customers.
In case, the LGs/LCs already issued but at the time of issuance limit id has not been created or
assigned, the limit Id can not be assigned later on. To meet the requirement, a separate menu
option ‘NFDET’ has been customized to capture the limit details along with other fields for
existing non-fund activities. User is required to enter the limit under NFDET menu option and
add the amount of availed LGs/LCs under ‘User Maintained liability’ in LNM menu option for the
limit node of the customer at NFUND limit Id. On closure of the LCs/LGs, the ‘User Maintained
liability’ has to be modified accordingly. A separate guidelines on menu option ‘NFDET’ is
available as page Number 134 .
1. Modifications in Limit Node: After creation of complete limit node structure for a customer, its
subsequent maintenance is also very important. It is observed that the ‘Limit Sanction/ Expiry Date’ at
the node level is not updated by the branches on regular basis. Many a times, the ‘Sanctioned Limits’ are
also revised (enhanced/ reduced) but corresponding changes are not carried out at the respective limit
node level. As a result, it is inferred by the auditors that availments are being allowed by the branches
against expired limits and/ or not as per sanction limit. Hence, branches are advised to modify these
details (Sanction Limit, Limit Sanction/ Expiry Date) at the time of renewal/ review of these limits.
2. Linking securities with the Limit Node – SRM: In case Drawing Power Indicator is set as ‘D’,
appropriate security should be linked to this limit node through menu option – SRM by giving ‘Linkage
Type’ as “N – Node”.
By doing so, the Drawing Power shall be parked at the limit node level. This DP can be further allocated at
the account level by setting the ‘Drawing Power Indicator’ as ‘P – Parent limit node and giving appropriate
Drawing Power % in the D-Drawing power Detao;s in “H-Limit History Details’ at the account level.
VERIFICATION OF 'SRM'
Function – V (Verify)
Linkage Type – N (Limit Node)
Node Id – Press F4
Verify the Security details.
LTL – Limit Tree Lookup – This menu option displays the entire exposure of the customer at a glance. On
specifying the selection criteria, the system displays details Like Node ID, Description, Limit sanctioned at
node level, Liability and limit hierarchy. Details of any limit can be viewed by exploding (Ctl +E) on the
respective record.
LNDI - In this menu option, the user can get information about the accounts that are linked to a particular
limit node. From this screen, user can also view the details of any of the listed accounts by press <Ctl + E>.
LNHTIR – Limit Node History Transaction Inquiry/ Report: This menu option facilitates inquiry on
limit node history and transactions based on the criteria specified. After giving the desired Limit Node ID,
From/ To Date, two types of reports can be obtained through this menu option – (i) ‘T – Limit Transactions
Details’ and (ii) ‘H – Limit History Details’ by giving appropriate value in ‘Type of Report’ field. MRT File
Name : After giving value in ‘Type of Report’ field, its corresponding MRT file name can be selected by
pressing <F2> . In
case ‘Type of Report’ is selected as ‘T’, the following transaction details are shown in the system. In case
‘Type of Report’ is selected as ‘H’, the following limit history details are shown by the system.
RLH – Rebuild Limit Node History: This menu option can be used to rebuild limit history from the limit
node transactions
Facility to accept and maintain PDCs for Loan Accounts has been introduced in new version of the application.
Accepted PDCs are lodged for clearing for each installment on the due date of the installment. The cleared
funds are then utilized to satisfy the outstanding demands against the loan account.
SALIENT FEATURES
Even when an intermediate check in a bunch is substituted all the checks in the bunch will be marked
as substituted and details will have to be reaccepted for all substituted cheques.
When the Interest is routed through Loan Accounts and Multiple PDCs have been lodged for the
same loan account through exceptional lodging, in each run of PDCCOP only one PDC will be cleared
and the other PDCs will be entered in the failure report. However PDCCOP can be run multiple times
to affect recovery for such accounts.
If currency code is not entered in PDCLOP criteria, the amount range check will not consider the
decimal places.
Even while lodging only Transfer type of PDCs, Zone details will have to be entered for PDCLOP and
PDCXLOP as these are mandatory fields. For this purpose a valid zone will have to be opened too.
For all types of functions relating to letter of guarantee (LG) Menu Option 'GMM' is used.
Functions available are A - Add, C - Copy, M - Modify, I - Inquire, G - Mark for Invoke, N - Invoke, R -
Reverse, Z - Close, V - Verify, X - Cancel and L - List.
To issue a guarantee invoke Menu option : GMM , Function - A. Then enter appropriate guarantee
type by F2 and select one. Press F4. Now the following fields are to be entered:
AMENDMENTS
Zonal Training Centre Dehradun [132]
A new enhancement in menu option GMM in the shape of option “J” (Reverse mark invoke) has
been introduced which will restore the guarantee to its original status.
The Verifying User shall make the closure flag as “Y” while verifying Reversal of Guarantee and the
status of Guarantee will be “CLOSED” after verification of Reversal
Future dated guarantees are not effective but can be reversed and closed.
MODIFICATION OF GUARANTEE
Effective 27.01.2015 branches shall issue/receive message of bank guarantee, issued in paper form,
electronically using SFMS platform.
User is required to fill up details of Bank code and branch code correctly. For correct
Bank/Branch code combination kindly check in BRTI menu option with 'P' details and
Paysys Id as 'SFMS'. Please note that prefix will always be ‘N’ for the other Bank’s
branch code.For PNB Bank, Branch code should be 4 digits only
The following details are essentially required to be filled up in sub-options besides other details:--
TEXT DETAILS (T): Condition will be typed here
PAYMENT SYSTEM DETAILS (J) - User has to select the Payment System details as SFMS.
PAYMENT MESSAGE DETAILS (8) - User can view the SFMS messages created by the
system while putting 8 in option., if any Modification required, can also be done. For BG no.,
use IFN760 message. Use CTRL+E . System will show Guarantee master Maintenance screen with
Status as “N” and User has to modify it to ‘R’ .
On press commit (F10), The BG no will be generated. User need to verify the same by
visiting ‘G’, ‘J’,’T’ and ‘8’ details in GMM menu option. After verification of BG the
PAYMENT MESSAGE DETAILS ‘8’ is replaced by ‘@’ VIEW MESSAGE HISTORY details . With the
status “T” (Transmitted), the process is completed.
The branch user shall invoke menu option “SMI” on daily basis for downloading any incoming
INWARD message. user shall fill in PAYSYS ID as “SFMS and In/Out indicator as “I” and press
control+E to explode the message. The messages can be printed by giving “P” in option field.
The menu option ODCM is used to create and maintain the details of documentary credits
established. User is required to fill up details like :
On pressing F4 system will show the charges details and charges debit account number field.
NOTE: TO check correct Bank/Branch code combination kindly refer BRTI menu option
with 'P' details and Paysys Id as 'SFMS'. Please note that prefix will always be ‘N’ for
the branch code.
Following details are essentially required to be filled up in sub options besides other details:
T--TEXT DETAILS
J--.Paysys Details
8--SFMS DETAILS
T--TEXT DETAILS
The various texts details enlisting Documents required, Conditions , Instructions, etc are maintained
here. The text types available are: A (amendment) / C (conditions) / D (documents) /I
(instructions) In the data block. user can use [Ctrl + ‘N’] key to bring up a text edit box to
input the data. The length of data that can be input is restricted to the field length allowed by
swift. In 'T' details, the permitted no of lines are 10 with 65 characters in each line for all the
'C', ‘D’, 'I' text type message.
System will show Outward Documentary Credits Maintenance screen with Status as “N” and User
has to modify it to ‘R’ . The status must be READY ‘R’.
NOTE :
1) Applicant Bank (Either 51A or 51D) ‐51A must be issuing branch IFSC code or 51D must
be issuing branch address but not both.
Zonal Training Centre Dehradun [135]
2) Field 41A must contain beneficiary bank IFSC code along with ‘BY NEGOTIATION’. User
should not remove it.
3) Relevant data should be entered only in one field either 42A (Beneficiary IFSC Code) or
42D (Beneficiary Party Name) in right hand textbox only.
4) 45A, 46A & 47A should not contain any special characters.
5) 78 should not contain any special characters
On press commit (F10), The LC no will be generated. User need to verify the same by
visiting ‘G’, ‘J’,’T’ and ‘8’ details in ODCM menu option.
After verification of LC the PAYMENT MESSAGE DETAILS ‘8’ is replaced by ‘@’ VIEW MESSAGE
HISTORY details.
Use CTRL+E
With the status “T” (Transmitted), the process is completed.
AMENDMENT OF ILC:
Use function ‘M’ modify and sub-option ‘A’, Make amendment and put ‘Y’ on calculate charges
field. Again use ‘J’ and ‘8’ details. Press Ctrl.’E’ on
“IFN707 SFMS ILCAMENDMENT” FIELD.
System will default populate Outward Documentary Credits Maintenance screen with Status as “N”
and User has to modify it to ‘R’. The status must be ‘R’ for sending amendment.
On press commit (F10), The LC will be amended. User need to verify the same by visiting ‘G’,
‘J’,’T’ and ‘8’ details in ODCM menu option.
a) The branch user shall invoke menu option “SMI” on daily basis for downloading any
incoming INWARD message.
b) In menu option SMI the user shall fill in PAYSYS ID as “SFMS and In/Out indicator as “I”.
c) Use CTRL+E on relevant selected message.
d) System will explode the message.
e) Get the print out of the ILC as desired by selecting F/N on the print screen.
For reporting details of Non-Fund based facilities, it was observed that some of the required fields like sector
code, sub sector code, activity etc are not available in CBS.
Assignment of appropriate risk weight to the account/facility depends upon Sector, Sub-sector, Activity. All
these fields are available for fund based facilities under ‘V’ details of the account but these are not available
for non-fund based facilities.
In order to capture these required fields in CBS, menu option NFDET has been customized.
1. CU- Customer Id
2. LC – Letter of Credit
3. BG- Bank Guarantee
For customer having non-fund based facilities, data feeding under NFDET menu option is mandatory. User
has to enter details through NFDET menu option for CU level, by selecting Type as CU and entering
customer_id. System will automatically populate Sector, Sub-sector and Activity based on the data fed in the
system for fund based facilities for the customer, if any. User is able to modify these fields if the data fed for
Zonal Training Centre Dehradun [136]
fund based facilities is not relevant for non-fund based facilities. This record will be valid for all the non-fund
based facilities for that customer, existing and issued later on.
In case, user desires to make inputs in the fields Sector/Sub-sector/ Activity other than those already fed
under ‘CU’ type, NFDET can be entered for LC/BG type also apart from ‘CU’ type. This input will be valid for
specific LC or BG only for which data has been fed.
Apart from fields Sector, Sub-sector and Activity certain other fields are also made available for capturing. e.g
sanctioned limit and guarantee details.
To know the position of sanctioned limit, DP and un-availed portion for fund based/non-fund based facilities,
feature of Limit node maintenance is available under CBS system. User has to maintain Limit node for the
customers and attach fund based & non-fund based accounts through limit node. CBS system has been
customized to ensure limit node assignment in the accounts of the customer where aggregate sanctioned
limit is 5 crores and above. It is not mandatory for the customers having aggregate sanctioned limit less than
5 crores. In order to know the un-availed limit of the customer limits is being maintained at account level for
the fund based facilities but in case of non-fund based facilities limits are not maintained.
Non-fund based facilities which are issued prior to the creation of limit node, later on it cannot be attached
with limit node. User has to enter limit related details under NFDET and also make entries in limit node
through LNM
Menu option under ‘ user maintained liability’ field.
To capture the limits sanctioned for non-fund based facilities for the customer following three fields are made
available. These fields are to be captured in cases where limit node has not been created for the customer or
limit node has been created but non-fund based facilities have been issued prior to creation of limit node.
2. LC sanctioned limit
3. BG sanctioned limit
Detailed circular on creation and maintenance of Limit node has already been issued vide ITD/CBS circular
68/2011 dated 02-07-2011. A simplified version of circular on maintenance of limit node has also been issued
vide ITD/CBS/27/2013 dated 07-05-2013.
There may be cases where third party guarantee is also available for non-fund based facilities. To capture the
details of guarantor, following fields are also available in NFDET. These fields are non-mandatory fields:
1. Guarantor cust_id
2. Guarantor Name
3. Guarantor type
On feeding Guarantor cust_id, Guarantor name will automatically be populated. Guarantor type is a code
based field and all the codes available under Guarantee cover code under ‘V’ details (for fund based facilities)
are available under this field. F2 help is also available for this field.
Field Inputs
Type CU- CUSTOMER/LC – LETTER OF CREDIT/ BG – BANK
GAURANTEE
cust_id Cust_id to be filled for Type "CU" and to be left blank if Type
is "LC" or "BG"
Customer name Auto Populated
Sol_id Auto Populated
LC/BG Number LC/BG number to be filled for type "LC"/"BG" and to be left
bank for Type "CU"
Sector Auto Populated <from Fund based account if exists for the
customer> - can be modified appropriately by the user
Sub_Sector Auto Populated <from Fund based account if exists for the
customer> - can be modified appropriately by the user
Activity Auto Populated <from Fund based account if exists for the
customer> - can be modified appropriately by the user
Total NF Limit to be left Total Non-Fund Limit
blank if Type
is “LC”
LC Sanc Limit LC Sanction Limit
or
BG Sanc Limit “BG” BG Sanction Limit
Guarantor Cust_id (optional) To be filled in case of Non Fund Based
activity is Guaranteed.
Guarantor Name Auto Populated
Remarks (optional)
Confirm (Y/N) Y/N
I – inquiry (Input function code, Type details and Cust_id or LC/BG Number)
M – Modify (Unverified record can be only modified by the entry user only, after
Verification other user can also modify)
D – Delete (Unverified record can be only deleted by the entry user only, after Verification
other user can also delete.)
V – Verify - Verification should be done with user other than the one who has
Added/Modified. Verification is must after any of the operation (Add/Modify)
Before addition record for type LC/BG , corresponding customers entry should be there in NFDET
for type CU.
During banking operations, in manual scenario we write text messages many times on the account ledgers,
which serve the purpose of providing additional information about a particular accounts. The Memo Pad
feature provides the same functionality on the electronic media. It is a simple storage and retrieval system
used for making temporary notes, reminders, and cautions in account operations.
Entries in the memo pad can be viewed whenever any operations are carried out on an account, to draw the
attention of the user.
User will be able to (a) Create memo text (b) Associate the text with a particular function and intent and (c)
Provide appropriate security to the memo. User can associate certain keywords pertinent to the assigned
function, which will aid subsequent retrieval of the memo text. A memo text can be associated either with (a)
Financial or (b) Non-financial transaction.
Example
If user is in the process of opening an account and certain documents have to be supplied by the customer
subsequently, user can create a memo text listing the documents, and associate the text with the Account ID
and Intent of 'follow up'. User may then periodically see this list and take necessary action. If user is
processing the account, user may request for a list of memo texts for the account, in which case this text will
show up since it has been associated with the account.
1. Memo-pad lookup:-
Press CTRL+F9 from any form in Finacle. A screen in which we can enter a set of selection criteria to retrieve
memo-pad entries is displayed. Entering the criteria and pressing F4 a list of memo-pad entries is displayed.
Press CTRL+E to get more details on any entry in the list.
User can visit the Memo Pad screen from any screen in Finacle by pressing the key CTRL+F9. This action will
display the Memo Pad Lookup screen.
A- ADD
D- DELETE
I- INQUIRY
M- MODIFY
i) Type A in the Function field of the Memo Pad Maintenance screen and press F4.
ii) The cursor will be on Topic field. Enter the topic name of the Memo Pad that is being added.
Function-Every memo pad entry can be associated with a Function code, which designates a
banking function or process. Function codes aid in the retrieval of memo-pad entries. Suppose a
memo pad entry has been associated with the function code IC (for inward clearing), when we are
carrying out Inward clearing related work, we can request for all entries with function code IC. Press
F2 to list the valid values for this field. Select the required value by pressing SHIFT+F4 key. A sample
list of useful function codes is given below:
i) Intent - The intent code associated with the memo pad entry is used to indicate the purpose
of the entry. User can list the field value by pressing F2 key and can select proper value by
pressing the SHIFT+F4 keys. A list of valid intent codes is given below:
F- Follow-up
N- Note
Alert during Cash or financial transactions. (A message is displayed when in a cash
transaction; when try to post an entry to account associated with this code).
L- Alert during Clearing of financial transactions. (A message is displayed when in a clearing
transaction; when try to post an entry to account associated with this code)
T- Alert during Transfer of financial transactions. (A message is displayed when in a transfer
transaction; when try to post an entry to account associated with this code).
G- Alert during any financial transaction.
ii) Security - Each memo pad entry can have one of the following security codes associated
with it.
O - owner - Only the person who created the entry can inquire, modify the text or delete
the entry.
P - Public - Anyone can inquire, modify or delete text.
S - Semi public - Anyone can inquire but only the person who created the entry can modify
or delete the entry.
Y - System - This is created by the system and cannot be entered by the user.
Keyword - The keywords associated with the memo-pad entry facilitate retrieval of the entry
whenever required. The keywords that can be associated with memo pad entry are:
a) Account ID
b) Customer ID
c) Employee ID
d) Signing power number
e) Transaction date
f) Transaction ID and Part Tran ID
g) Instrument type code
h) Instrument ID
i) Inventory Item ID
j) Inventory location ID
k) Standing instruction number
l) User defined keyword
iii) A/c No.- Enter the account number for which the memo pad is to be added.
iv) Employee Id - Enter the ID of the employee creating the memo pad entry.
v) Customer Id- Enter the ID of the customer to whom the account belongs.
vi) SI Srl. No.-The serial number of the Standing Instructions, if any, attached to the account.
vii) Sign Power No.- The signing power number, if any, attached to the employee.
x) Tran Id- Type of transaction to which the memo text should be associated.
xi) Due / Tran Date-The date of the transaction. It can be used in conjunction with the Tran
Id number.
xii) Tran Srl. No.- The serial number of the part transaction.
xiii) Class- The inventory class of the inventory item, to which the memo pad is to be associated.
xiv) Type- The inventory type of the inventory item, to which the memo pad is to be associated.
xvi) Location Class- The Location Class to which the inventory item belongs: -
i) User Defined
ii) System Defined (The codes assigned are DL, EM, ZZ, EXT)
xx) Location Code- The location code under the Location Class that has been
defined. If the Location Class is EM, the employee ID is to be indicated. In
this case, the staff number of the employee who is retrieving the details of the
inventory items is displayed by default.
Enter valid data in the above fields and press F10 to commit the task or F3 to exit without saving the
changes. The cursor returns to the memo Pad Lookup screen. Press F3 to exit.
1. Type I in the Function field of Memo Pad Lookup screen and press F4.
For example, if we enter FT in the Function field, and specify an account Number, all the
existing entries, which have been associated with given function field and A/c No, is retrieved.
4. Specify the selection criteria and press F4. The list of entries is displayed.
5. For more information on any of the entries, position the cursor on the relevant entry and press
CTRL+E. The details are displayed.
(a) Only those entries created by user himself or those with security code P or S can be retrieved.
(b) Entries created by other users or those with security code O cannot be retrieved.
1. Type D in the Function Code field of the Memo Pad Lookup screen and press F4.
3. The retrieved entries are displayed in the Memo Pad Maintenance Screen.
4. To view more details of any of the entries, position the cursor on the relevant entry and press
CTRL+E. The details of the entry are displayed.
5. Press F10 to delete the entry or F3 if do not wish to delete the entry.
1. Enter M in the Function field of the Memo Pad Lookup screen and PressF4.
2. The cursor is located in the Criteria Block. Enter the criteria for retrieving the entries and press F4.
The retrieved entries are displayed.
3. To modify any of the entries, position the cursor on the relevant entry, and press CTRL+E. The
details of the entry are displayed.
4. Modify the text and press F10 to save the changes, or F3 to abort the operation.
Only entries created by the user him or those with security code P can be retrieved and hence only
these can be modified.
2. When an Account Master record is modified, a single memo pad entry is created for each
record modified and the entry is associated with the account number. User cannot delete
these entries. The entries are automatically deleted once the modifications are
verified. Till then the entries will remain in the system.
Pre-requisite for creating a FAMS record is to have a verified EXTM reference number for the user
SOL. (Kindly refer ITDCBS circular no. 12/2014 dated 02.04.2014 for posting of expenditure
vouchers in EXTM).
Since FAMS items are maintained on the basis of EXTM category and subcategory codes, users to
be vigilant while posting vouchers under correct category and subcategory in EXTM and
ensure that the item being purcased is categorized under respective category and sub category
codes of EXTM. A report under FAMSRPT option 1 “FAMS ITEMS MASTER PRINT “be referred for
the details of items available under particular EXTM category and sub-category combination.
After successful verification of EXTM record user to create fresh purchase details through menu
option “FAMS”. ABH will not proceed unless amount of the assets created have been
tallied against the respective EXTM amount, as such users to ensure creation of assets on
the same the EXTM voucher is posted.
Only one item is to be selected at one time and related data inputs related to selected item be
provided in the data input fiels as shown in the following table and in case of multiple items
A‐ add function to be invoked again to add rest other items after successful save/generation
of asset id of the current record:
Item Srl No Optional field for all items except SFF – IT/ITPBP/ATMKS
Item Make Optional field for all items except SFF – IT/ITPBP/ATMKS
Item Model Optional field for all items except SFF – IT/ITPBP/ATMKS
Item Particulars Reference text for the item like sub specifications (i.e 6 seater sofa)/ usage
location etc.
Purchase Date Purchase Date should be less than or equal to BOD Date and it cannot be
earlier than 1 year from BOD
Put to use Date Put to use concept is applied on IT items, where items are installed and
payment is made on subsequent date. On such items the depreciation is
calculated from put to use date instead of purchase date.
For IT items Put to use date is earlier or equal to BOD Date, for rest
other items it is equal to Purchase Date.
EMP PF No Mandatory only for SFF of EMP for others system will populate value as NA
Flat ID Mandatory only for items of Bank Flats for others system will populate
value as NA
Continue Y/N. Enter Y/N‐ Y and press F4 to save the record.
Asset Id Unique Asset id will be generated on saving the record. Kindly note the
asset Id for future references and record.
8. Kindly note the asset Id for future references and record. Enter Y and press F4 in
case of multiple asset creation against same EXTM reference no. and follow the
guidelines afore mentioned in steps 6 and 7. User to ensure that Voucher amount and
assets entered amount are tallied, and no further asset creation against that EXTM
reference no. is allowed after that.
10. Operation Code: V‐ Verification of Asset Creation. The assets created are to be verified by
another user of the same sol through function code V. User to select the record to be
verified through F2 searcher at field Asset Id.
1. FAMS ITEMS MASTER PRINT: Users to generate Item Master and ensure that
EXTM vouchers are posted under correct category and sub category codes for
paymet.
2. REPORT FOR PENDING ASSETS AGAINST EXTM AS ON GIVEN DATE: Day End
will not allow unless all the assets are tallied against the respective EXTM
amounts. Users to generate report FAMSRPT option 2 for details of EXTMS
against which assets are pending for creation/verification.
3. REPORT FOR FRESH PURCHASES DURING A PERIOD: details of the fresh
purchases don during a period for a sol/Set.
FAMS has been enabled in CBS for capturing details of the assets purchased for employees/Offices
and MCC under the following subcategories:
Pre‐requisite for creating a FAMS record is to have a verified EXTM reference number. For
expenses on SFF for employee, the EXTM is to be posted in following three sub categories, based
upon the expense on the item type. Menu option EXTM is to be used only for fresh
purchase of SFF assets and not for effecting transfer of assets of across the SOL.
In EXTM fields a mandatory field, FAMS Employee ID is mandatorily be entered for purchases
done for the respective employee for the aforementioned EXTM categories. List of employees in
user’s sol is available with the help of F2 searcher at field FAMS EMP ID along with their
available remaining limits under the selected subcategory. The limits of Scale 4 and above are
inclusive of their Extra Item limits and Office set up at residence for Scale 7 and above.
After EXTM verification, Assets of the employee are to be captured through menu option FAMS.
User has to select the EXTM no with the help of F2 searcher and EMP id will be auto
populated in the field EMP PF No.(Employee number as entered in EXTM).
Field_Name Description
EXTM Num F2‐ Selection.
Item Code F2‐ Selection.
PF Num Default populated from the EXTM number being selected.
Invoice No Bill no. of the item being capitalized.
Merchant Details Seller Name
Usage(O/R/E) Usage of the item being capitalized.
1) R – Residential Purpose for all scales [1‐7].
2) O – Setting up Office at residence [Scale 7 and above]
3) E – Item being purchased under Extra item [scale 4 and above i.e
Extra Cooler and ACs]
Continue Y/N
EXTM created but Item not being displayed under the item code in FAMS
(C‐>A)?
The issue arises when EXTM is posted under wrong category and sub category code. For
updation of correct categories in verified EXTMs but only in those cases old and new sub
categories are being debited to same account. ZC users have been provided menu option
EXTMUPD and branches to contact their concerned circle Help desk for necessary
rectifications. Users to refer Item Master report generated through menu option FAMSRPT 1
and post vouchers under correct category and ensure posting.
Zonal Training Centre Dehradun [145]
EXTM debited to wrong category and subcategory?
In such cases GU100 work class has been provided with menu option EXTMDEL, for
reversals of wrongly created EXTM expenditure vouchers of their sols. The reversal will be
effected by debiting the suspense head and crediting the respective EXTM expenditure
account. Suspense to be accordingly adjusted by passing correct vouchers.
EXTM addition not being allowed due FAMS pending for creation/verification?
Such cases arise if users have either created assets but not verified or have created/verified
assets with amount lesser than the voucher amount. System will not allow further postings
in EXTM if any EXTM prior to BOD date is pending for assets creation. Users to ensure
creation of assets equal to voucher amount and remaining amount against the voucher is
Zero. Details of such pending EXTMs is available under FAMSRPT 2.
System will not allow creation of assets with purchase value less than Re1. In such
cases, the remaining amount be adjusted with the previously created assets under the
same EXTM or if no assets have been created kindly delete such EXTM through menu
option EXTMDEL.
By using Option (3) following reports are available (Can also PNBRPT 9/133)
3(a) – NEFT Inward – List of dormant accounts
3(b) – RTGS Inward – List of dormant accounts
Note: Other than Incumbent Incharge Transactions entered/posted by same employee will be checked by
ZAO in respect of Incumbent Incharge and transaction done by other than II will be checked by
Incumbent Incharge .
II) The following reports will be available in repective menu option as mentioned below:
For monitoring expenditure ( both capital and revenue) incurred in various heads including process
of seeking confirmation/sanctions a CBS utility has been developed and deployed.
1) The framework broadly is governed through the matrix of powers vested under various
categories of branches/offices and Scale of officer passing the expenditure as per various
power charts circulated by concerned divisions. Master data of vested powers, limits and
budgets along with the validity period of such powers will be maintained in the system by the
respective owner Division, centrally at DC level.
2) Authorization based on User ids: The framework is designed to capture expenditure details
by a user of any work class but the authorization shall finally be done by authorized official
in‐charge (upto Scale 3 incumbents) or to whom the power has been delegated. In case of
office headed by scale 4 and above, any user can verify the transaction but capturing of
authorization user detail will be mandatory for validation against the corresponding power chart.
3) The debit to GL and the SGL revenue heads will be system induced only after validating the
vested powers /limits/budgets and no direct transaction can be placed by the branches or
Offices. Direct debit to expenditure heads through TM will be restricted hence forth.
4) Leave arrangements: The process flow enables capturing details of delegated user ids, who
can authorize expenditure transactions in absence of authorized users.
6) Any additional expenditure power given to a Branch/office will be managed by the respective
controlling office.
7) Provision to maintain budget and the sanctions will also to be maintained at CO/FGMO level
for effective control of sanctions.
9) For any expenditure exceeding beyond vested powers/limits the details will be made available
in the morning checking reports. After checking confirmation proposal is to be generated through
system and sent to higher office for confirmation. Every note for sanction of the expenditure
is to be enclosed with a print generated by the system for exercising control on budget and
expenditure.
10) The expenditure will utilise amount from sanction limit based on pre‐sanction flag ‘Y’ as
system will not report exception in case expenditure is within sanctioned / adhoc limit.
Menu Option
Functional guidelines for Handling Service Tax (Incl. CENVAT)/ TDS in EMS
In such cases user has to enter values in two fields AMT (eg: say 100) and TDS (say 10),
system will automatically calculate Final amount (as 100) and following vouchers will be passed by
the system:
Scenario 2 : Invoice with only Service Tax (ST) with out CENVAT.
In such cases user has to enter values in two AMT (eg: say 100) and ST(say 10) and CENVAT
flg as ‘N’, system will automatically calculate Final amount ( as 110) and following vouchers will
be passed by the system:
In such cases user has to enter values in fields AMT (eg: say 100), CENVAT flg ‘Y’ and ST (say
10), system will automatically calculate Final amount (as 110) and following vouchers will be
passed by the system:
Scenario 4 : Invoice with Service Tax (ST), CENVAT applicable, Penalty, VAT, TDS:
In such cases user has to enter values in two fields AMT (eg: say 100), TDS (say 10), Penalty
(say 10), VAT (say 10) and ST (say 10) with CENVAT flg ‘Y’, system will automatically calculate
Final amount ( as 110) and following vouchers will be passed by the system:
Dr Expenditure head ‐ 105
Dr Suspense CENVAT – 5
Cr Credit Account – 100
Cr Sundry TDS – 10
1. Amt (Excl. Taxes): The amount to be entered is the amount towards services/product which
is exclusive of taxes. enalty and TDS deductions will automatically handled by the system
internally out of the final payment amount. Users should not modify AMT field on own
2. CENVAT Flag: Y for cases where Suspense CENVAT entry is to be passed else N.
3. Service Tax: Amount to be entered should be full Service tax amount i.e 50% CENVAT
amount will be calculated by system automatically.
4. Final Amount : Final amount will be as under:
Amt‐ Penalty + VAT+ Service Tax
TDS voucher will be passed by the system out of Final Amount.
5. Payment involving TDS and ST with CENVAT are restricted through Cash transactions. Kindly
select Tran type as T for expenditures involving TDS and Suspense CENVAT.
6. Reverse charges entries are to be handled manually.
It is decided to run SERTAX command for each sol at data center level. A brief of the process is as under :
1) Receipt of PAN Card Stamps/Inventory at Circle Office: On receipt of Pan card stamps/Inventory
at Circle office. The circle office enter the same in the system through menu option: PANSTP. Enter A to
ADD and press F4. Enter the number of stamps received and press F4 system will automatically show
amount per unit i.e. Rs.96/- and also display total value (No. of stamps * Amount per unit) and then
press Y to ADD the record and press F4, system will display the Inventory number.
2) Verification of Inventory of Pan card stamp (Circle Office): Inventory of pan card stamps will be
verified through menu option: PANSTP. Enter V for verification of inventory number and press F4. Enter
the inventory number and press F4 system will display all the data already entered after checking the
same press enter Y to verify and press F4, record will be verified and system will automatically pass the
following contra vouchers
3) Transferring of Pan card stamps (stock) to respective branches: Circle office will transfer the
stock of pan card stamps to their branches through menu option: PANSTP. Enter: T to transfer the
inventory and press F4. Enter the sol_id where stock of stamps to be transferred and also enter no. of
stamps and Y for transfer and press F4 ,system will display the inventory number.
4) Verification of transfer of stock/inventory by circle office to branch: The above record will be
verified through menu option: PANSTP. Enter V to verify and press F4. Enter stamp Inventory No. and V
to verify the record and press F4 , the record will be verified and system will pass the following contra
vouchers
5) Receipt of Inventory of pan card stamps by branches: On receipt of inventory/stock of pan card
stamps, branches will enter the same through menu option: PANSTP as given above at step no. 1 ,
system will pass the following contra vouchers
6) Issue of Pan card stamp by the branches: Branch will issue the pan card stamps to the
customers through menu option: PANISS. Enter A to add and press F4.
Enter: stamp no.
Application No.
Applicant name
Applicant Address
Mobile No. 12 digits including 91 as prefix.
Tran. Type: C for cash
T for transfer and debit account no./Instrument no. date etc
And Y to Add and press F4
Press Y to add more record or otherwise enter N and press F4.
7) Verification of Pan Card Issue by branches to customer: Issue of pan card to customer will be
verified through menu option: PANISS. Enter stamp No. and press F4 system will display all the
record and after checking the same enter Y to verify and press F4 the record will be verified and
system will pass the following two vouchers.
On the ABH of each branch, system will automatically reverse the amount lying in pan card
collection a/c and park the same in UTI-ITSL account and pass the following vouchers
Cr.0153002100570792-UTI-ITSL account
Branches are to ensure that after day-end the balance in the pan card collection a/c 3171191
should always be zero
The mandate for met life insurance can be captured at any branch through menu option: METADM. Enter A
to Add and press F4. Enter the following required fields
System will show the MetLife no., the same should be verified by another user through menu option:
METADM
Enter V to verify and press F4
Enter MetLife No and Y to verify and press F4
Nodal office (solid 013300) will upload the file through menu option: METUPLD for debiting the customer’s
accounts
EMIINTR EMI Loans Interest Details Report EMI Loans Interest Details Report
Loans Lien Process
LALIEN Loans Lien Process Batch job at day begin
Past Due Accounts Details
PDADM Maintenance Past Due Accounts Details Maintenance
Transfer Education Loan Accounts from Simple
EDUEMI Education Loan Simple to EMI to EMI
EIRPTS EI Reports Report for EI Accounts
LAULPT A/cs with LastPartTran N A/cs with Last Part-Tran N instead of 'Y'
Loans Upload Demands for Transfer-in Accounts
LAUPLDMD Loans Upload Demands - non -EMI
Loan Other Details Upload for EI type of
LAUPLOAD Loan Other Details Upload Accounts run after EIUPLDTI
HLNI Limit Node Inquiry Limit Node Inquiry
HLNM Limit Node Maintenance Limit Node Maintenance
LLIR Limit Liability Inquiry/Report Limit Liability Inquiry/Report
LNDI Limit Node Details Inquiry Limit Node Details Inquiry
Limit Node History/Tran
LNHTIR Inquiry/Report Limit Node History/Tran Inquiry/Report
LNI Limit Node Inquiry Limit Node Inquiry
LNM Limit Node Maintenance Limit Node Maintenance
LNMMU Limit Node Maintenance Menu Limit Node Maintenance Menu
LNREV Limit Node Revaluation Limit Node Revaluation
LTL Limit Tree Lookup Limit Tree Lookup
Mark Accounts as Past Due/Non
MAPD Accrue Mark Accounts as Past Due/Non Accrue
Modify Effective Asset
MEAC Classification Modify Effective Asset Classification
Recovery/Reversal After Charge
RACO Off Recovery/Reversal After Charge Off
RPDA Retransfer Past Due Accounts Retransfer Past Due Accounts
OLAPS Subsidy linked loan a/c opening Open loan account with principal subsidy
LAULPT LOANS ACCOUNT UPDATION LOANS ACCOUNT LAST PART TRAN FLAG ‘Y’
LOAN PASSSHEET PRINTING A4 SIZE -;LAZER
LPSP LOAN PASSSHEET PRINTING PRINTER
GENERATION OF PRINCIPAL GENERATION OF PRINCIPAL DMD(rpt
GENPRDM DMD pnbrpt3/52)
OLAPS LOAN A/C OPENING OPEN LOAN A/C WITH PRINCIPAL SUBSIDY
Charging of overdue interest in Change of interest table code for irregular KCC
INTKCC KCC Accounts accounts
Capturing details of previous bank while taking
TOACM Takeover of loan a/cs over the account from other bank
FOREIGN EXCHANGE
Menu Description Details
AMHOB View amortised History of Bills View amortised History of Bills
BIBOOK Interest Booking for Bills Interest booking for Bills
Transaction Advice Printing
FBADVP (FXBIL) Transaction Advice Printing (FXBIL)
FBAIC Advance Interest Calculated Report - Advance Intt Collected in Foreign Bills
FBERC Foreign Bills Export Claim Report Foreign Bills Export Claim Report
Statement of Foreign bills with Extended due
FBEXTD Extended Foreign Bills Statement date.
FBHI Foreign Bills History Inquiry Foreign Bills History Inquiry
FBI Foreign Bills Inquiry Foreign Bills Inquiry
Interest Collected on Foreign
FBICS Bills Interest Collected on Foreign Bills
FBIR Import Register Report Import Register Report
FBM Foreign Bills Maintenance Foreign Bills Maintenance
Statement of Overdue Import
FBOIB Bills Statement of Overdue Import Bills
FBP Foreign Bills Printing Foreign Bills Printing
List of Pending and Dishonored
FBPADB Bills List of Pending and Dishonored Bills
FEX Bills Parameter Master
FBPMI Inquiry FEX Bills Parameter Master Inquiry
Foreign Bills Purchased
FBPS Subsidiary Foreign Bills Purchased Subsidiary Ledger
FBRI FEX Bills Register Inquiry FEX Bills Register Inquiry
FBSNC Foreign Bills SNC Statement Foreign Bills SNC Statement
FBUBR Undrawn Balance Register Undrawn Balance Register
Contra Transaction for Export Contra Transaction for Purchase bills which are
FBXFR Bills fully recovered.
FPTI FEX Period Table Code Inquiry FEX Period Table Code Inquiry
INBOEM Bill of Entry Maintenance Data input for Bill of Entry
XOSCHRG XOS Charge Calculation XOS Charge Calculation
XOSSTMT XOS Statement XOS Statement
Report on Expiring Documentary
DCEXPLST Credits Report on Expiring Documentary Credits
DCPRINT DC Printing DC Details Printing
DCQRY Query on Documentary Credits Query on Documentary Credits
Query and Modify Documentary
DCQRYM Credits Query and Modify Documentary Credits
Documentary Credits Query
DCQRYP Printing Report Documentary Credits Query Printing
Documentary Credits Register
DCREG Printing Documentary Credits Register Printing
DCRPTS DC Reports and Advises DC Reports and Advises
Statement of Documentary
DCSTMT Credit Statement of Documentary Credit
Inward Documentary Credits
IDCM Maintenance Inward Documentary Credits Maintenance
Outward Documentary Credits
ODCM Maintenance Outward Documentary Credits Maintenance
Foreign DD/TT/MT Issued
DTMR Register Foreign DD/TT/MT Issued Register
INLAND BILLS
Menu Description Details
BM Bills Maintenance Bills Maintenance
BILINQ BILL INQUIRY FOR RCC BILL INQUIRY FOR RCC
HOCRCC Collection of outstation chq thru RCC Collection of outstation chq thru RCC
ABC Advance against Bills for Collection Advance against Bills for Collection for Changing
the Security Value of the account after
lodgement/Realisation of ABC bills
BRRBPR Bills Register Report - Bills Bills Register Report - Bills Purchased
Purchased
BRRCR Bills Register Report - Collection Bills Register Report - Collection
CHQSTAT Change of status from unused to Personalised cheque book received at branch
issued (U to I) instead of customer
RTGS
Menu Description Details
EGOC ECS Generate Outward Clearing ECS Generate Outward Clearing File
Inquiry of Bank and Branch code and address
IFSCI IFSCI Code Enquiry for RTGS and NEFT
GUARANTEE
CLEARING
REMITTANCES
Menu Description Details
DDMI Mass Issue Entry Mass Issue Entry
DDSM DD Status Maintenance DD Status Inquiry
Demand Draft/Cash Order
DDPRNT Printing Demand Draft/Cash Order Specific Printing
Reconcile Paid/Unpaid
DDUPDT Outstanding Entry Reconcile Paid/Unpaid Outstanding Entry
LDDRECON LOCALIZED DD REPORTS Non Finacle DD REPORTS
Revoke Lost Status of Non-Fin
RMLOST Draft Revoke Lost Status of Non-Fin Draft
TFDDHOC DD Transfer To H.O. DD Transfer To H.O.
Print all unprinted DDs/Cash
DDPALL Orders Serial Wise Print all unprinted DDs/Cash Orders
DDBP Demand Drafts Batch Printing Demand Drafts Batch Printing
DDREPRNT Reprint a DD/ Print advice Reprint a DD/ Print advice
DDLOST Entry of Reported Lost Entry of DD Reported Lost
NFADVREV Reversal of NonFin ADVC RCPT Reversal of Non Finacle ADVC Entered Wrongly
TERM DEPOSITS
RELACI Related account lookup Related account look up for deposit a/cs
LOCKER
DDATE Locker Due Date Diary Generation Locker Due Date Diary Generation
Zonal Training Centre Dehradun [163]
Menu Description Details
Locker Transaction History
LKCHM Maintenance Locker Transaction History Maintenance
LKCM Locker Customer Maintenance Locker Customer Entry, Modification
LKKM LOCKER KEY MAINTENANCE LOCKER KEY MAINTENANCE
LKOPS Locker Operation Maintenance Locker Operation Maintenance
LOCKER RENT/CHARGES
LKRCM COLLECTION LOCKER RENT/CHARGES COLLECTION
LKREPM Locker Reports Maintenance Locker Reports Maintenance
LOCKER RENT RECOVERY - BATCH LOCKER RENT RECOVERY - BATCH
LKRRBAT OPERATION OPERATION
STANDANDING INSTRUCTION
Print SI Covering Letter to
SICL Customer Print SI Covering Letter to Customer
ACTF Account transfer request Account transfer request from other sols
MISC MENU
GOVERNMENT BUSINESS
Menu Description Details
GBM Government Business Module For CBDT, PPF, RBI Bond
CUSTOMIZED GBM REPORTS FOR
GBMRPT PNB Reports for GBM Module
EXCISE AND SERVICE TAX
EASIEST COLLECTION Transactions in Excise and Service Tax
EASIRPT REPORTS FOR EASIEST Reports for Easiest
MCA21 Transaction for DOCA Transactions in MCA
MCARPT Report for MCA21 menu option Generation of reports in MCA
DEBIT CARD
PCARDISS Pnb Uphar card issue PNB Prepaid uphar card issue entry
PSUVISS Pnb Suvidha card issue PNB Suvidha card issue meenu
PNB Suvidha card reload through clearing
PSUVRLD PNB Suvidha card reload or other reload amount
PSUVSUR PNB suvidha card surrender PNB Suvidha card surrender menu
CREDIT CARD
INTERNET BANKING
Internet banking retail user
IBSRPOST Internet banking retail Addition/Deletion/Modification/Enable
Internet banking Corporate user
IBSCPOST Internet banking corporation Addition/Deletion/Modification/Enable
MOBILE BANKING
MOBILE BANKING REQUEST
MBRPOST MOBILE BANKING ADDITION/DELETETION/MODIFICATION
LADRPT LADDER DATA CBS REPORTS CBS REPORTS FOR LADDER DATA
MISC
LENDING IS THE BASIC ACTITIVITY OF BANKING INDUSTRY AND PROFITABILITY DEPENDS ON THE
QUALITY OF LENDING. THE BETTER ASSET QUALITY INCREASES THE PROFITABILITY AND IMPROVE THE
RATIO OF CAPITAL TO RISK WEIGHTED ASSET. TO UNDERSTAND THE SEQUENCE OF STEPS FOR BETTER
ASSET QUALITY MANAGEMENT, LIFE CYCLE OF THE ACCOUNT IS GIVEN HEREUNDER:
1) PRE-SANCTION APPRAISAL
2) SANCTION OF LOAN
8) NEED FOLLOWUP
CBS facilitates management of account after the sanction. Due care is to be taken while capturing the data
at the time of account opening and disbursement, to ensure appropriate / expected behavior of the account
and also to avoid irregularity reflected in any account due to wrong selection of scheme code, GL sub head,
interest rate code, Moratorium period, other details required during opening of account with emphasis on ‘V’
details.
Health of loan account depends upon the amount due and overdue position of demands made in the account
and its adjustment. The different types of demand and the events which trigger their generation are as
follows:
1) PRINCIPAL DEMAND ( PRDEM)
2) INTEREST DEMAND
I) NORMAL INTEREST DEMAND ( INDEM)
II) PENAL INTEREST DEMAND (PIDEM)
3) CHARGES DEMAND
I) BANK CHARGES DEMAND (BCDEM)
II) OTHER CHARGES DEMAND (OCDEM)
GENERATION OF DEMAND
Except Principal demand (PRDEM), all other demands are generated with the debit transaction in the loan
accounts based on the flow_id fed during the transaction. Principal demand is generated on the basis of
data fed in the account i.e E details “ FLOW START DATE, NO. OF FLOW, FLOW AMOUNT AND
FREQUENCY).
ADJUSTMENT OF DEMAND
Adjustment of demand happens on the basis of credit transaction in the account in chronological order based
on the date of demand i.e. demand generated first is adjusted first whenever credit is received in the account
after the demand generation.
WHENEVER THE NORMAL / EXPECTED BEHAVIOUR OF THE A/C DEVIATE FROM NORMAL /
EXPECTED PATTERN EXTRA VIGILANCE / CARE IS REQUIRED FROM THE USER TO KEEP THE
ACCOUNTS REGULAR / PERFORMING AND IRRREGULARITIES CAN BE CHECKED FROM THE
FOLLOWING REPORTS:
IRREGULAR REPORT – PNBRPT I) AVAILABLE FOR SOL / SET WISE
1/8 II)CAN BE EXTRACTED ON THE BASIS OF SANCTION LIMIT
AND 1/8A ALSO
III)SECTOR WISE REPORT - AGRICULTURE / SME / RETAIL
LENDING SCHEME / OTHER / ALL
IV)PERIOD WISE REPORT AVAILABLE UPTO 30 DAYS (1/8A)
V) NATURE AND VALUE OF COLLATERAL SECURITY ENTERED
INTHE SYSTEM BE CROSS VERIFIED DURING FOLLOWUP / VISIT
AND CORRECTIVE MEASURES CAN BE TAKEN ACCORDINGLY
VI)LIMITATION AVAILABLE CAN ALSO BE
MONITORED THROUGH THIS REPORT
DAILY OUTSTANDING REPORT – REPORT HELPS IN MONITORING CREDIT PORTFOLIO BECAUSE
PNBRPT 3/7 IT PROVIDE THE IRREGULAR AMOUNT IMMEDIATELY IF DEMAND
REMAINS UNSATISFIED.
SASCL REPORT A) SASCL report is made available on monthly basis From Data
centre under ‘Interest Report’ link under SOL_ID=’000000’
available on the first page of Finacle. It is pre-generated data file
and can be imported in the excel sheet.
C) Branch DBA has option to run SASCL menu in Live server also
in Trial mode –“Y” and report is available at DAYRPT 24/5 to the
same user only. ( It is to be run for branch only)
After knowing the position of accounts and extent of irregularity, follow up with the borrower / customer is
required which can be facilitated in CBS as follows:-
PNBRPT 3/23) ADVANCE INTIMATION LETTER IN LOAN ACCOUNTS – To generate
and send intimation letter to borrower
A) Report can be generated for all accounts or
for a particular scheme code
B) Letter can be generated for a/cs in which
installments is due within a range of
period
C) Start date must be minimum seven days advance (Current Date
Plus seven days) and end date plus in month should be given.
D) Letter for all a/cs due in the period range given may be
Generated
LAODR A) Report of overdue accounts can be generated through menu
option ‘ LAODR’
B) Report can be generated on the basis of scheme code from – to
basis
C) Report can be generated from GL subhead code to GL subhead
code
D)Report can be generated on the basis of overdue position in days
(greater than – lesser than)
E)Option to print other account of the customer is also available.
PNBRPT 3/34 LIST OF ACCOUNTS WHERE NEXT INSTALLMENT IS DUE WITHIN
91 DAYS - To facilitate monitoring list can be generated
To facilitate the recording of follow up action initiated by the branch a new functionality ‘LETGEN’ was
introduced vide ITD CBS CIRCULAR 58/2009. This is work flow for recording the follow up action and
applicable only for LAA type of a/cs.
Besides generating the notices to borrower/guarantor, following follow up action can also be recorded in CBS
through menu option LETGEN:
Telephonic contact,
Personal contact,
Recalling of a/c,
Issuance of legal notice,
Filing of Recovery Certificate,
Filing of Suit.
Menu ‘LETGEN’ does not have the ‘Maker and Checker’ concept thus user to exercise caution which
recording the action like notice date etc.
IMPORTANT- To generate the notice for the present overdue amount of the loan account, the notice for
previous month(s) need to be generated through the System; otherwise the total overdue amount till date
may not be shown in the notice. However, the notices for earlier month(s) may not be sent to borrower(s)/
guarantor(s) now, only current month’s notice should be sent to borrower(s)/guarantor(s).
For example, there are three installments overdue and the branch desired to issue notices now, then branch
is to issue notices for previous two installments by giving ‘Notice date’ of relevant months and thereafter
generate the notice for current month which will show the entire overdue amount in the account. The
system records the date of notice and it is mentioned in the subsequent notice to the party.
For issuing more than one notice, even in the same a/c, the user is advised to, first, come out of screen by
pressing F3 (when the user is on second page of LETGEN) and invoke the menu option LETGEN, afresh. The
date of previous notice is mentioned in the subsequent notice, as such it is advised to strictly follow the
sequence of the notice number.
When notice is to be sent to both, borrower and guarantor, user needs to generate two notices separately
through two notice ids, however the notice to all guarantors will be generated with only one command, if
there is more than one guarantor.
ACTION POINTS AND NOTICE ID PRESCRIBED BY RBD - Flow Chart of Follow up Action at Branch Level:
The subsequent notice to borrower/ guarantor may be sent through notice_id ‘RGRMB/ RGRMG’ respectively
and user has to mention the notice no. (as fourth, fifth, sixth…..) in remarks field to maintain a proper
sequence of notices/ action initiated.
Some accounts during the life time of loans and advances becomes irregular because of various reasons and
are required to be monitored closely. Based on the guidelines of Reserve Bank of India and SAMD HO New
Delhi these accounts are identified as NPA. Focused and continuous attention is required for the remaining
period of the account till its closure.
NPA are to be categorized in separate GL/SGL heads to have instant data related to fresh addition /
reduction and NPA Level as on any date.
Description GL Sub Head Description GL_SUB Balance
Head Code Sheet
code
Non Performing NPA Demand Loan 76100 62120
Advances ( Weekly
code-55299, Office
Account Code-
<Sol_id5529901)
NPA Cash Credit 76110
NPA OverDraft 76115
NPA Term Loan 76120
NPA Inland Bills Purchased 76125
NPA Inland Bills Discounted 76130
NPA Pre-shipment Advances 76135
NPA Foreign Bills Purchased 76140
NPA Foreign Bills Discounted 76145
NPA Advances to Commercial banks in India 76150
NPA Advances to Co-operative Banks in India 76155
NPA Advances to banks outside India 76160
NPA – Others 76165
NPA – suit filed 76170
NPA Decreed 76175
NPA Borrowal Fraud 76180
Non Borrowal Impaired Assets (Weekly Loss of Cash Internal Fraud 86100 63120
code 57117, Office a/c <Sol_id5711701)
Non Borrowal Impaired Assets (Weekly Loss of Cash Theft / Dacoity 86100 63120
code 57117, Office a/c <Sol_id5711702) /Burglary
Non Borrowal Impaired Assets (Weekly Other than Loss of Cash 86100 63120
code 57117, Office a/c <Sol_id5711703) Internal Fraud
Non Borrowal Impaired Assets (Weekly Other than Loss of Cash 86100 63120
code 57117, Office a/c <Sol_id5711704) External Fraud
Non Borrowal Impaired Assets (Weekly Non-borrowal impaired _ 86100 63120
code 57117, Office a/c <Sol_id5711705) others
Main Classification:
001 - Performing Asset
002 - Non- Performing Asset
Sub Classification:
001 - Standard Asset
002 - Sub-standard Asset
003 - Doubtful Asset
004 - Loss Asset
After making the necessary modification press ‘F10’ which changes the asset classification for all the accounts
of the borrower.
It is advised that after using the aforesaid menu options, system will generate ‘Reference Number’ and
another user has to verify it through menu option ‘TACBSH’.
To have close monitoring of the NPA portfolio 54 reports have been customized under the menu option
NPAMIS/NPAMGT. The reports customized under NPAMGT require additional data in the CBS system.
A menu option NPADET (six sub menu options) has also been customized to capture additional data
required for these reports
The functionality has been provided for monitoring the kitty in written off accounts and monitoring of
recovery in written off accounts. The work flow for the same has been designed enabling the user to feed
records/data for both the requirements.
User is required to feed data related to all NPA accounts marked in the CBS system using the menu option
‘NPAD’.
This data is required to generate the following:
1. Memoranda of dues (RI).
To create the memoranda records user is required to follow the steps given below:
i) Generate report through menu option PNBRPT 28/3 (Report to know the list of NPA A/Cs
to be entered through menu option ‘ NPAD’)
ii) Feed all the relevant fields through the menu option (NPAD).
NPA DETAILS
MENU OPTION - NPAD
FIELD DESCRIPTION
FUNCTION CODE Options are available at key
F1.(Add/Modify/Inquiry/Delete/Undelete/Cancel/Verify).
ENTITY TYPE user to input ‘AC’-Account in this field
ENTITY ID User has to give valid account no. of sixteen digits. Customer id
will be populated on press of key F4.
DI/SI REVERESED DI/SI reversed and credited in the account as per revised
/APPROPRIATED guidelines or appropriated during write off be given in this field
RI Unrecovered interest amount up to the last accrual date(last
interest applied upto NPA date), This date has been made
available in report(PNBRPT-28/3). RI will be calculated by the
system after this date
DICGC/CGFT Claim received amount/appropriated at the time of write off be
given here.
EXTENT OF Extent of Amount of guarantee available to
GOVT.GUARANTEE secure the outstanding amount in the account from
Central/state govt
NET MEANS OF Amount of net means of guarantor as per latest
GUARANTOR CR.
IP OF GUARANTOR Value of IPs available as part of net means of guarantor
CONSORTIUM BANKS/FIs Name of banks/FIs if applicable
EXPOSURE IN LOANS Amount of loans at exposure in the account
SHARE ON SECURITY percentage of share on security available
MODE OF RESOLUTION It is a text field of 70 character length. User has to propose
PROPOSED appropriate action/strategy for resolution of the account e.g.
(If RC filed user to enter “RC FILED ON 01-01-2015”) Date can
be changed
EXPECTED DATE OF Expected date of account closure is to be given on the basis of
ACCOUNT CLOSURE action/strategy suggested in the previous field
REASON FOR NOT SUIT If suit has not been filed in the account the reasons for
the same in short be given as text in this field
STAFF ACCOUNTABILITY It is also a text field of 70 character length. User has to give
brief information on staff side
SUIT STATUS If suit has been filed in the account. The status of the suit is to
be given in brief.
RCVRY APP TO DISI In case of recovery in the account the amount appropriated
against recovery of DI/SI be reported in this field
RCVRY APP TO RI In case of recovery in the account the amount appropriated
against recovery of RI be reported in this field
RCVRY APP TO DICGC In case of recovery in the account the amount
appropriated for remitting to DICGC be given in this field
INCOME BOOKED to be discussed with SAMD
CDR flg?: Appropriate value is ‘Y’ or ‘N’ (value ‘Y’ is to be given if account
has been restructured as per extent guidelines on corporate
debt restructuring issued from time to time.
TECH WRITE OFF DATE Date of technical write off be given in this field if available
(list of technically writen off account is available with HO
SAMD).
TECH WRITE OFF AMT Amount written off in such accounts be given in this field.
Though these fields are not mandatory, but (0.00) may be entered if nothing is to be reported against
these fields instead of leaving blank. Values fed in this fields will populate in the relevant fields at screen
in menu option “COWO”. The details of other fields which shall be used for generation of other NPA
monitoring reports(NPAMGT) are given below.
SARFAESI DETAILS
Menu Option =SARF
FIELD DESCRIPTION
FUNCTION CODE Options are available at key
F1.(Add/Modify/Inquiry/Delete/Undelete/Cancel/Verify).
ACCOUNT NUMBER USER TO PUT ACCOUNT NUMBER
ACCOUNT NAME USER TO put account name here
ELIGIBLE FOR SARFAESI Whether account is eligible for Sarfaesi Action put Y/N
Date of eligibility Mention here date when account is eligible for Sarfaesi action
DATE OF NOTICE 13(2) Give here date of notice issued under Sarfaesi act section 13(2)
DATE OF NOTICE 13(4) Give here date of notice issued under Sarfaesi act section 13(4)
DATE OF POCESSION OF GIVE date when possession of security taken
SECURITY
NATURE OF SESCURITY Give here nature of security
DATE OF SECURITY SALE Put here date when security was sold
SECURITY SALE AMOUNT Sold amount of security
APPROACHED FOR COMPR Whether customer approached for compromise?
COMPROMISE SETTLED Whether compromise has been settled or not?
OTS Recovery amount If compromise settled give here OTS Recovery amount
Other Recovery Amount If recovered other the OTS give amount here
NPA Account sale date IF NPA account sold give date of sale here
SC/RC/OTHER BANK/NBFC Put here to whom NPA Account has been sold
NPA A/c SALE AMOUNT Give here Sale Amount of NPA
LATEST STATUS Give here present status of the account which be modified time
to time
DI REVERSED DI reversed amount put here
DICGC CLAIM APPROVED STATUS of DICGC Claim be given
ECGC CLAIM APPROVED Status of ECGC Claim be given
NRR Balance Give here net recoverable amount
PROVISION HELD Put here provision amount
(KITTY = AMOUNT ACTUALLY WRITTEN OFF MINUS RECOVERIES AFFECTED IN THE ACCOUNT AFTER
WRITE OFF ) Out of all the NPA accounts, entered through NPAD, data related to written off accounts
are to be fed.
Apprch for Comp? Value ‘Y’ be given if party has approached for compromise or else
value ‘N’ be given in this field
Mode of Settlement : User has to select one of the modes of settlement available
on F1 key. ‘LA’ for Lok Adalat, ‘RA’ for recovery agencies, ‘RC’ for
recovery camps and OTH for others.
Compr( OTS) date Date of approval of compromise be given in this field
Compr (OTS) Amount Amount of compromise be given in this field
Compro Appro Lvl.: list of Compromise approval level is available at key
F1.Appropriate value to be selected
Compromise due date The earliest due date of deposit of compromise Amount
/installment by the party be given in this field. The next date is to
be fed in case of compromise amount is payable in more than one
installment and the date should be fed after expiring of the earlier
date
Amt Payable Due date The amount of compromise due on the date mentioned in the
previous field
Fresh Dr. to Bk revenue As mentioned in OTS Proposal
Waiver Int Exp (RI) As mentioned in OTS Proposal
Set off DI/SI Amount As mentioned in OTS Proposal
Income to be Booked In case compromise amount is more than the ledger
outstanding the surplus credit transferred to income amount be
given in this field
Set off of provision As mentioned in OTS Proposal
Compro failed If compromise is failed reasons in brief be given in the next three
fields.
User is required to feed recovery upto 31.03.2010 in all NPA accounts through menu option RCYM as the
recovery details of all NPA accounts may not be available in the CBS system due to migration of account
through different legacy systems. The recovery details can be entered through the menu option in
consolidated form in single entry with date of recovery as 31.03.2010.The records of recovery after
31.03.2010 will be taken into report from the CBS system.
RECOVERY DETAILS
MENU OPTION = RCYM
This menu option is to be used for handling recovery received in written of accounts.
The fields are explained here under :
FIELD DESCRIPTION
FUNCTION CODE User to select function code ‘A’ (ADD)
ACCOUNT NUMBER The valid account no. of sixteen digits be given, for which details are
required to be entered
ACCOUNT NAME The name will populate on press of key F4 after giving account
number in the previous field.
WO/Compr Recvry? Valid value is ‘W’ for recovery in written off accounts , ‘C’ for OTS
approved in written off accounts and ‘N’ for all other NPA accounts
which neither written off nor compromised
Mode of Rec Help at Key F1 is available. Valid values are ‘LA’ for Lok Adalat, ‘RA’
for recovery agencies, ‘RC’ for recovery camps and OTH for others
Recovery Date In respect of existing accounts user to give date of recovery as
31.03.2010.
Recovery Amount Consolidated recovery amount for an account up to the cut off date
i.e 31.03.2010 is to be entered
NOTE: Verification of records entered through RCYM is not required. User is required to enter details through
menu option NPAD and COWO for the accounts written off even after the 31.03.2010 but recovery details in
such accounts will not be required to be entered by the user through menu option RCYM.
FIELD DESCRIPTION
FUNCTION CODE Options are available at key F1. Add/Modify/Inquiry/Delete/
Undelete/ Cancel/Verify)
ACCOUNT NUMBER The valid account no. of sixteen digits be given, for which details are
required to be entered
ACCOUNT NAME The name will populate on press of key F4 after giving account
number in the previous field.
Agent Code Give here Recovery Agent code allocated
Agent Name Give here name of Recovery Agent
Date of Allocation Date of Allocation of the account for recovery be mention here
Commission paid Commission paid for this account for recovery
FIELD DESCRIPTION
FUNCTION CODE Options are available at key F1. Add/Modify/ Inquiry/
Delete/Undelete / Cancel/Verify)
ACCOUNT NUMBER The valid account no. of sixteen digits be given, for which details are
required to be entered
ACCOUNT NAME The name will populate on press of key F4 after giving account
number in the previous field.
SECTOR Give here Sector as RBI loan classification
Method of lending Give here method of lending whether consortium etc.
CONSORTIUM DETAIL Put here maximum 70 character name of bank etc.
MRTP/GROUP Give here details of Group etc.
OTHER REPORTS
To facilitate data addition / modification /deletion / inquiry in CBS in respect of restructured facilities the
existing menu option RSAM is to be used and data may be fed in following ways:
Account Number Valid account number is one which has been rescheduled in CBS i.e. the
Schedule No. in E-details is other than 01. In CBS it is necessary to re-
phase the restructured facility first and then add it through RSAM
Repay Start Date This date need not be entered as the system will automatically pick up the
same from E-details of the account
Restruct Reason Suitable codes from the list should be filled in
Deleted ? This field is not accessible. It only populates the status of deletion of a
particular record
Multiple Records This field is not accessible.
Date of Restructure This should be the date on which account is rephrased / rescheduled in the
system
Remarks This is a free t ext column to be filled with any relevant information
pertaining to the account
CDR Flag This flag should be Y for the a/cs restructured under CDR mechanism where
multiple banks are involved. For MSME accounts, this flag would always be
N. Necessary checks have been put in the system
Cut Off Date This is a mandatory field. For all restructured customers of Rs.1 crore &
above category, the Cut Off date should be a past date i.e. the date, balance
as on which has been referred in the restructured proposal. The Cut off date
for below 1 cr category of customers should be same as the Date of
Restructure. The cut off date is relevant for all those customers where
diminishing fair value (DFV) or provisioin on account of sacrifice is required to
be calculated. As per extant guidelines, DFV is computed for customers with
exposure Rs.1 Cr. And above.
Exit CDR This flag is by default shown as N and relevant for only those accounts where
CDR flag I Y. Whenever, restructured fails and the customer is downgraded
to NPA, this flag is required to be updated to Y after obtaining due approval
of the CDR forum. The value of this flag can be Y only for NPA accounts.
Expenditure/Charges like Law Charges, Postage Charges, misc charges etc. are debited to separate account
(expenditure Account) and not in Loan account itself for NPA Accounts, to identify such charges and to
recover from customer on receipt of recovery made in the NPA account thereafter, a separate menu option
“NPACHRG” has been customized in CBS.
1. C- Capturing of Charges: - Charges debited to office accounts (expenditure Account) with respect to
NPA Account can be captured.
2. W- Waiver of Charges: - In case of OTC/Write –off, charges made for the NPA account may
required to be waived. The same can be done for the already captured charges (part of or full).
3. R- Recovery of Charges: - System will check credits made in NPA Account from the last recovery
date and create transaction, for outstanding charge amount or recovery made in the account
whichever is lower, debit the Loan Account and credit the expenditure head which ever has been
debited earlier.
Users are required to capture charges incurred for recovery of NPA account debited to expenditure head
directly. Capturing of charges should be made separately of each loan account vis-à-vis expenditure account.
Branch users are required to run menu option for ‘C’ option for capturing of charges as and when incurred
and debited to expenditure account.
Branch users are required to recover the charges on recovery in the NPA account. For the convenience of the
user, PNBRPT-28/7 report has been customized which will show all the NPA accounts wherever recovery has
been received and appropriation of recovery for the charges made in the expenditure account has not been
done.
A – Add
I - Inquire
M – Modify
D - Delete
V – Verify
A – Add
Here user has to input required data for a Account, help is available on F4 key press. A – Add (For type – C -
Charge details of payment made from office account for a NPA Account)
V – Verify - Verification should be done with user other than the one who has Added/Modified.
Verification is must after any of the operation (Add/Modify)
I – inquiry (Input Account Number, only Status like total charges, waiver, Recovery and total amount due is
displayed in Inquiry, for details reports are also available)
A – Add (For type – W - Waiver details for a NPA Account, Waiver amount should be less than the
outstanding amount)
I – inquiry (Input Account Number, after waiver)
A – Add (For type – R - Recovery details for a NPA Account, Recovery amount is calculated automatically by
the system on the basis of credits after the charge/last adjustment date)
V – Verify - Verification should be done with user other than the one who has Added/Modified. Verification is
must after any of the operation (Add/Modify)
On verification Transaction is created debiting customer account and crediting Expenditure head which was
debited earlier for the charges (as per the details added in C-option of NPACHRG menu)
Presently there is no system of identifying the accounts in CBS where frauds have taken place. Once a fraud
has been detected and reported to RBI the account should be marked as such for further action. It will help
proper monitoring of fraud cases and to make Provisions required to be made at Head Office.
Immediately on crystallization/ reporting of Fraud, the following transactions must be passed by the branch
i. BORROWAL FRAUDS
The User may feed these codes through ACM Menu in CBS as under:
- Function code “M” and “Account Number”
- V- Details (then F4 key)
- below mentioned codes will be listed on pressing F2 key on Free
code 9 filled (in V- Details page)
Free code 9 – “XXXXX” – BORROWAL FRAUD ACCOUNT
- Appropriate code may be selected by pressing shift+F4 key.
- After modifying the required fields in V-Details user may confirm the
changes by pressing F4 then F10 keys.
- Another user may ‘verify’ the record in ACM.
In view of above, all ‘Borrowal Fraud Account’ should be assigned code – ‘XXXXX’ as above.
‘Non Borrowal Fraud Account’ should be assigned Free code ‘ZZZZZ’ as per above procedure only in case
of fake/ fraudulent/ non-KYC/ account holder or introducer is absconding.
The account has to be marked as ‘YYYYY’ – Non- Borrowal Fraudulent transaction in Account.
IMPORTANT
Total o/s as on date is the amount of NBF a/c where customer’s claim has not been settled (Passed / rejected
/ considered as time barred/ no liability as in case of ATM/ IBS fraud)
As and when the claim is settled the amount already debited as above, has to be reversed, as under, with
reference to the specific transaction No. that is being reversed.
Amount of claim approved by the competent Authority should be debited to NBIA (Every entry must contain
ref. no. of sanction/ approval).
Where the customer’s claim as been rejected by the competent authority/ or has become time barred or bank
does not acknowledge any liability, the amount should be reversed as mentioned above and simultaneously
following contra entry should be passed to identify/seggregate the entry / amount of fraud where bank does
not acknowledge liability.
B. Suspected fraud where bank does NOT acknowledges liability (ATM, IBS, Time bared cases,
claim rejected)
Debit: <solid> 5939999 Fraudulent Transaction ATM IBS etc Rs. (Contra)
Credit: <solid> 3232601 Fraudulent Transaction No liability Rs.
1. ‘Account number’ (16 Digit) under ‘G’ details of credit part of transaction.
2. ‘Tran_ID’ of the transaction suspected as fraudulent
3. ‘Tran_Dt’
4. ‘Tran_Amount’
On recovery/ OTS/ write off of the amount the specific entry must be reversed with reference to the original
fraudulent transaction only.
Report Generation:
The details of Fraudulent accounts can be generated and printed by branches / other offices / Circle office for
any date/ period/ or account (s) through menu – ACS.
For list of Transactional fraud can be generated through ‘PARTINQ’ menu option available in the CBS system.
BIO-METRIC LOGIN - IMPLEMENTATION OF 2ND FACTOR BIO-METRIC LOGIN FOR ALL STAFF
MEMBERS WHILE LOGGING INTO CBS
1) Central Biometric Solution: Said part of the solution will be implemented at Data Centre level and
maintained by HO: ITD. All finger print data of all the CBS users will be stored at Data Centre level.
Biometric authentication of CBS users will be done centrally.
2) Biometric Devices (Finger print scanner): At branch level, biometric devices (finger print
scanners) are required. Said device has to be installed and attached with the PCs of each and every
branch having CBS access.
Prerequisites:
1. Demographic details of all the active employees with CBS user ID will be uploaded in the
biometric system from DC.
2. Branch admin user has to LOG IN in the Biometric application using his/her password.
3. After successful authentication, admin user has to capture the biometric (finger print) data
of the bank officials.
4. As per maker-checker concept, another bank official has to LOG IN in the biometric solution
and approves the user.
5. Only after successful approval, bank official (whose biometric data has been captured) can
use his/her biometrics to LOG IN Finacle application
6. Similarly, maker checker concept has also been introduced for modification, rejection, re-
capturing of biometric data, password change, role change, status change of the bank
official in biometric solution.
7. Biometric capturing to be done for all the CBS users
Prerequisites:
A) As per present process, branch user has to enter ‘SOL ID’ on the main page.
B) On clicking the ‘I Agree’ button, Branch user has to enter the CBS user ID using which he/she wants to
LOG IN Finacle application.
C) Then click ‘Submit’ button. System will open a POP UP window for biometric authentication. In biometric
scanner device (attached to the PC), a blue light will appear then branch official is required to put one
of his/her enrolled finger for finger print authentication.
D) On successful biometric authentication, Finacle LOG IN screen appear and branch user is required to
enter password only. (Note: No change in the working in Finacle)
BRANCH OFFICE
a. Enrollment and capturing of biometric data of bank officials working in CBS at branch.
c. Management of devices means making device inactive or hot listing. (Hot listing is to be done only
if device is not usable or lost completely. Once device is marked hot listed same cannot be used
again).
CIRCLE OFFICES:
1. To ensure that biometric devices are installed at all CBS accessing PCS in all branches.
2. Registration of devices and allocation of the same to branches under CO. Refer Device
registration process document.
3. Provide technical training to branch users regarding enrollment of new user, modification of
existing user etc.
4. Provide technical support to branches.
5. Enrollment and capturing of biometric data of bank officials working at circle offices.
6. Modification and re-capturing of biometric data of bank officials working at circle office.
7. Management of devices means making device inactive or hot listing. (Hot listing is to be done
only if device is not usable or lost completely. Once device is marked hot listed same cannot be
used again)
3. Then user has to allocate the registered device to a particular branch and click on
the ‘SAVE’ Button.
4. On clicking the Save Button, following screen will be appear which will display the
“Device Serial Id”, “device Model”, “Branch” / CO, and their “Status”
5. From the above screen User can perform the following operations on the Device:
‐ Allocated - All device registered has to be allocated to a branch / CO in order to use the device
‐ Inactivate - In case the Device has to be deactivated and ensure that no user is using that device.
‐ Hotlist – Any device which is lost or stolen has to be marked as Hotlist Device.
Important Note:
Users can change the status of the device from:
• Allocate to inactivate
• Inactivate to Allocate
• Allocate to Hotlist
• Hotlist to Allocate.
• Hot list to Inactivate.
• Inactivate to Hotlist
6. Device can be deleted only before allocation of device to a branch/CO. After allocation of a device, it
cannot be deleted. i.e.—if the status of any device is “Allocated”, “Inactive” or “Hotlist” then it cannot
be deleted
On clicking the “User” option one window will appear where the demographic details of the Enrollee has to
be filled. If more than 1 CBS user ID has to be added for the enrollee, it needs to be configured first and
Branch name associated with Branch SOLID is selected from the pop up window.
In case of incorrect data is FED one specific symbol will be displayed and colour of the particular
window will change.
Zonal Training Centre Dehradun [201]
All fields marked with “*” are mandatory and cannot be left blank.
1) The First and Last name field cannot have numerical values.
2) Employee code, Grade, Scale and User name field cannot have special characters
like(*, &, @ etc)
3) Mobile no. should be 10 digit number and should not be prefixed with 0 or 91.
After filling all the demographic details click on “Capture finger Prints” button. The
following window will be displayed. All the ten fingers have to be captured one by
one.
NOTE:
• May have an extra finger: In this case ignore the extra finger. Scan only the main 10
fingers.
• Missing or Amputated Fingers or Worn out ridges in the Fingers : Skip the finger by
clicking on the “Next” button.
After capturing all the fingers, click on “Submit” Button. The “Capture Finger Prints” button will
become Green if all the finger prints have been successfully captured.
NOTE: If the captured fingerprints are found to be already associated with some other User id
then the Application will not allow saving that Enrollment and display a message---“user already
Exist with this User (User Id) this process is known as De- Duplication and the below
mentioned message will be displayed.
After Capturing finger prints click on “Save” button. Following window will appear provided all
the demographic data has been entered correctly and the mandatory fields are not left Blank
and the de-duplication process has passed.
On saving the enrollment, the Status of this user would be “TO_BE_APPROVED “ it needs to be approved by
the “Approving Authority”.
After providing Valid Finger Prints by the Approving Authority, Application will allow you to successfully
approve the enrollee and the status will be changed from “To_Be_Approved” To “Approved” as shown in the
Window.
RE-ENROLLMENT
After updating the Demographic / biometric data of the enrollee, the user has to be approved again by the
Checker-Maker functionality.
REJECT USER
Click the “Reject User” button. Following window will be appear and Application will ask to capture the
biometrics of the Admin User. After providing correct biometrics User status will be changed to “Rejected”.
A window will appear and the application will ask to capture the biometrics of the Admin User (Who is
updating the role).
After providing correct biometrics details and system will allow you to update the “User Role”.
- Go to Enrollment+>>Re-Enrollment/Approval, select the User who’s Login Details have to be updated and
click on “Show Details”.
On clicking the “Update Login Details” button. The Application will ask to capture the biometrics of the Admin
User (Who is updating the login details of the User)
After providing correct biometrics system will allow to update the “User login” along with a new password.
Update User Status-- Go to Enrollment +>>Re-Enrollment/Approval, select the User whose Status has to
be updated. Click on “Show User”.
Note : You can update only three status of any user, namely : Approved, Rejected and Inactive.
Click on “Update Status”. The Application will ask to capture the biometrics of the Admin User (Who is
updating the user status).
After Providing Correct Biometrics details the application will allow you to update the status of the User.
DELETE USER—
Go to Enrollment+>>Re-Enrollment/Approval, select any User to Delete. After clicking on Delete User one
window will appear and Press OK button to delete.
1. A: Add
2. X: Delete
3. I: Inquiry
4. D: Download
Presently, branches are seeding Aadhaar number with primary account number using ‘A- Add’ option
usingUIDNUM/UIDUPL menu option. Now, branch user can capture LPG ID details for non Aadhaar
based beneficiaries.Branch user can capture LPG ID using “A – Add” option in DBTL menu option.
Account number change: If customer requests to change the Account number, then branch user
has to use the said function and delete the existing entry. After deletion, branch user has to use ‘A:
Add’ function to add new entry.
Wrong LPG ID Entered: If branch observed any mismatch in the LPG ID or Account number
entered wrongly, then Branch user has to use the said function (D: Delete) to delete the existing
entry. After deletion,
branch user has to use ‘A: Add’ function to add new entry with correct Account number and LPG ID.
Zonal Training Centre Dehradun [204]
Branches to use ‘D’ option judiciously.
3. I: Inquiry function can be used by the user to inquire the status of entered LPG ID and linked account
number after successful response MoPNG Level. Inquiry can be done by entering customer ID or
Aadhaar number.
4. D: Download: this function can be used for generation of all the LPG ID linked in a particular date. This
function is used for HO user only. No action required at branch level.
TERM LOAN
FD ANUPAM SCHEME
NP FDANP ANUPAM DEPOSIT SCHEME TDA 10100 TERM DEPOSIT
PUBLIC
NS FDANS ANUPAM DEPOSIT SCHEME TDA 10100 TERM DEPOSIT
STAFF
FD SUGAM SCHEME
PU FDSUP Sugam Reinvestment TDA 10100 TERM DEPOSIT
scheme-II type- Public
SU FDSUS Sugam Reinvestment TDA 10100 TERM DEPOSIT
scheme-II type- Staff
P1 FSMDP Sugam Income option-IO TDA 10100 TERM DEPOSIT
type- Monthly Intt.-Public
S1 FSMDS Sugam Income option-IO TDA 10100 TERM DEPOSIT
type- Monthly Intt.-STAFF
P2 FSQDP Sugam Income option-IO TDA 10100 TERM DEPOSIT
type- Quarterly Intt.-Public
S2 FSQDS Sugam Income option-IO TDA 10100 TERM DEPOSIT
type- Quarterly Intt.-Staff
CU CGBSU Capital gain Sugam Deposit TDA 10100 TERM DEPOSIT
Scheme CBS 27/2014
MULTI BENEFIT FD SCHEME
DP FDMPB For Reinvestment scheme-II TDA 10100 TERM DEPOSIT
type- Public
DS FDMSB For Reinvestment scheme-II TDA 10100 TERM DEPOSIT
type- Staff
SPECIAL FD SCHEME
MP FDSMP For Income option-IO type- TDA 10100 TERM DEPOSIT
Monthly Intt.-Public
MS FDMSS For Income option-IO type- TDA 10100 TERM DEPOSIT
Monthly Intt.-STAFF
QP FDSQP For Income option-IO type- TDA 10100 TERM DEPOSIT
Quarterly Intt.-Public
QS FDSQS For Income option-IO type- TDA 10100 TERM DEPOSIT
Quarterly Intt.-Staff
VARSHIK AYA YOZNA
FP FDVPY PNB VARSHIK AYA YOZNA TDA 10100 TERM DEPOSIT
PUBLIC
FS FDVSY PNB VARSHIK AYA YOZNA TDA 10100 TERM DEPOSIT
STAFF
PNB ORDINARY TERM DEPOSIT SCHEME
Zonal Training Centre Dehradun [210]
OR FDORD Ordinary fd scheme public TDA 10100 TERM DEPOSIT
OS FDOSD Ordinary fd scheme staff TDA 10100 TERM DEPOSIT
CO FDCOM COMBO SCHEME NRE TDA 10100 TERM DEPOSIT
CUSTOMER
PNB BAL VIKAS DEPOSIT SCHENE
70 RDBAL BAL VIKAS DEPOSIT SCHEME TDA 10100 TERM DEPOSIT
FM FDBAM FD MONTHLY INCOM TDA 10100 TERM DEPOSIT
OPTION
FQ FDBAQ FD QUARTERLY INCOME TDA 10100 TERM DEPOSIT
OPTION
PNB SAKSHAM SCHEME
SK FDSKM SAKSHAM SCHEME TDA 10100 TERM DEPOSIT
SS FDSKS SAKSHAM SCHEME - STAFF TDA 10100 TERM DEPOSIT
M3 FSMMP SHAK SHAM SCHEME – PUB. TDA 10100 TERM DEPOSIT
M4 FSMMS SHAK SHAM SCHEME - STAFF TDA 10100 TERM DEPOSIT
M5 FSOMP SHAK SHAM SCHEME - TDA 10100 TERM DEPOSIT
PUBLIC
M6 FSOMS SHAK SHAM SCHEME - STFF TDA 10100 TERM DEPOSIT
GROWTH DEP SCHEME
(single fixed deposit above Rs. 10 Cr. taken at card rate or below card rate)
CR FDCDR FDR Core Reinvestment TDA 10100 TERM DEPOSIT
Scheme
CD FDCDM FDR Core Monthly interest TDA 10100 TERM DEPOSIT
income scheme
CO FDCDQ FDR Core Quarterly interest TDA 10100 TERM DEPOSIT
income scheme
CS FDCDS FDR Core Simple interest TDA 10100 TERM DEPOSIT
scheme
BULK DEPOSIT SCHEME
(single fixed deposit above Rs. 10 Cr. taken at DRI rate )
LR FDBLR FDR DRI Reinvestment TDA 10300 TERM DEPOSIT
Scheme
LM FDBLM FDR DRI Monthly interest TDA 10300 TERM DEPOSIT
income scheme
LQ FDBLQ FDR DRI Quarterly interest TDA 10300 TERM DEPOSIT
income scheme
LS FDBLS FDR DRI Simple interest TDA 10300 TERM DEPOSIT
scheme
OTHER TERM DEPOSIT SCHEMES
75 FDCGN FD CAPITAL GAIN A/C TDA 10100 TERM DEPOSITS
DT FDNRF NRE FLEXIBLE DEPOSIT TDA 10100 TERM DEPOSITS
SCHEME
TA FCNRB FCNR (B) - MBFD TDA 10100 TERM DEPOSITS
TB FCNRO FCNR (B) - ORDINARY TDA 10100 TERM DEPOSITS
TC FCNRS FCNR (B) - DEPOSITS TDA 10100 TERM DEPOSITS
VW FCNRL FCNR PREMIUM LINKED TDA 10100 TERM DEPOSITS
SCHEME
TD FMNRE FD MULTI BENEFIT NRE TDA 10100 TERM DEPOSITS
TF FMNRO FD MULTI BENEFIT NRO TDA 10100 TERM DEPOSITS
TH FNRE FD ORDINARY NRE TDA 10100 TERM DEPOSITS
TN RDNRE RECURRING DEPOSIT NRE TDA 10400 TERM DEPOSITS
N6 FNRSM NRE MONTHLY INTT SUGAM TDA 10100 TERM DEPOSITS- Min 1 year
Zonal Training Centre Dehradun [211]
SCHEM
N7 FNRSQ NRE QTLY INTT SUGAM TDA 10100 TERM DEPOSITS- Min 1 year
SCHEME
N8 FNROM NRE SUGAM MONTHLY PAY TDA 10100 TERM DEPOSITS
OUT
N5 FNROQ NRE SUGAM QUARTERLY PAY TDA 10100 TERM DEPOSITS
OUT
EM FNRES SAKSHAM -NRE CUSTOMERS TDA 10100 TERM DEPOSITS
ES FMSKM SAKSHAM -NEW WITHOUT TDA 10100 TERM DEPOSITS
MORATR.
3 Internet banking facility entered but not verified DAYRPT 10/36A DAILY
DAYRPT 10/36B
4 Credit Balance in Loan accounts DAYRPT 10/40 DAILY
To maintain stock inventory of non personalized debit cards at branches TBD HO New Delhi has prescribed
the procedures:
(i) TBD HO while issuing the debit cards to branches will upload the details in system and effective
10.12.2012 branches will be able to issue only those debit cards which have been uploaded by TBD
HO and marked received by the branches.
(ii) HO TBD has already uploaded the stock of debit cards issued to branches up to 30.11.2012
(iii) On receipt of stock of debit cards branches to acknowledge the card in “DCARDINS” menu in CBS
through Option “R” by entering the SBC code (Lot No.) range mentioned on the debit card packet and
verify by another user through DCARDINS option “V”.
TYPES OF CARDS
At present following types of cards are issued to customers:
SMS Process flow - Customer should send SMS by registered mobile number to 5607040
On receipt of Card and PIN Number User to visit base branch and branch will authenticate the customer by
his signature and photograph from CBS and on receipt of acknowledgement in register activation request will
be punched with R option and confirmation with C option. Card will be activated within 48 hours.
For international use Maximum Cash withdrawal, POS and E-commerce transaction has been fixed at
Rs.25000/-.
PIN Based Cards AT POS Transaction card holder has to punch PIN
SIGNATURE Based Cards POS Transaction by signing the slips without PIN
BANK’S CHARGES -DEBIT CARDS
Through Call Centre All cards that are lost / stolen / surrendered / unusable are required
to be hotlisted by registering request with Bank’s call centre at
18001802222 /18001032222 or 0120-2490000, 0129-2490053.
Through SMS mode Card holder to send SMS to 5607040 with following sequence
HOT <Card Number> e.g.
HOT 5126520000000013
Confirmation message will be received like:
a) If Card blocked successfully : Debit card blocked on dd/mm/yy
at hh:mm:ss & your reference number is XXXXX. Please contact
nearest branch for new card
b) If card number is invalid : Incorrect debit card number, Retry
with correct number or call customer care at
18001802222/18001032222/01202490000
c) If mobile number is not registered : Mobile number not
registered with Bank. System unable to Block debit card. Call
customer care at 18001802222/18001032222/01202490000
d) If system faults (Destination not available) Unable to block
debit card call customer care
18001802222/18001032222/01202490000
e) If card is already blocked : Debit card already blocked on
dd/mm/yy at hh:mm:ss. Contact nearest branch for new debit card.
(TBD Circular no. 57/2014 dated 24.09.2014)
MONETARY COMPENSATION SCHEME FOR ACTIVE PNB RUPAY/MASTER DEBIT CARDS (Valid
upto 31.03.2015 refer TBD 41/2014 and 60/2014 dated 17.10.2014)
The PNB Monetary Compensation Scheme For RuPay Cards is being dispensed with w.e.f
01.11.2014. (Refer FID 29/2014 dated 22.11.2014)
- Chip based cards acceptable on Europay, Master Card & Visa Machines & Terminals in India as wella
as outside India.
- Primary authentication of transaction through chip( if machine is chip enabled) and if not Magstripe
will be used for authentication.
- Cost of card – Rs.100/- in additional to Annual charges but Incumbent Incharge may refund in case
of premium customers.
- After handing over the card to customer branch to run ‘R’ and ‘C’ option in DCARD menu for
activation of the card.
- Branch to enter e-mail id of the customer while punching the request for debit card.
- Validity is 7 years.
TRANSANCTION CHARGES
TYPE OF CUSTOMER TRANSACTION CHARGES (PLUS
SERVICE CHARGES, IF ANY) ON OTHER
BAN’S ATM (Rs.)
Saving fund account – Financial tran Rs.20/-
Saving fund account – Non Financial Rs.20/-
Normal ATM transaction, following accounting entries are passed by the system:
Dr - Customer a/c
Cr.- ATM a/c ( 51650021<ATM_ID>)
At the time of reversal due to hardware problem, following accounting entries should be passed by the
system:
Dr - ATM a/c (51650021<ATM_ID>)
Cr.- Customer a/c
Sometime proxy entries are created in ATM a/c due to non-availability of limit in ATM a/cs and the following
entries are created by the system.
Dr - Proxy a/c
(ATM a/c–51650021<ATMID>is given in the remarks column of Tranctions )
Cr - ATM a/c
Proxy transactions are also created in Customer accounts due to non-availability of funds in their accounts (
when CBS system is working on SI Server ).
Dr - Proxy a/c
(Customer a/c is mentioned in the remarks column of proxy transactions )
Cr - ATM a/c
Before sending claim to TBD HO Check Account head 5711316 & 3171116 in CBS and explore the particular
entry.
If an ATM account, i.e. , 51650021XXXXXX(ATM_ID) is mentioned under the remarks column of transaction,
send the claim immediately to ATM Cell, TBD HO at atmcell@pnb.co.in or tbdatmcell3@pnb.co.in in the
following format for reimbursement of these entries:-
On exploring the entry if the account number of a particular customer is mentioned under the
remarks column, then the amount is to be recovered from that account holder only and no claim
is to be sent to ATM Cell. While doing so, it must be ensured that Card holder account is not
debited twice for same transaction.
Interbank fund transfer through Immediate Payment Service (IMPS) is on increasing trend being its 24X7
availability & instant credit to beneficiary account. Keeping in view the growing tendency, after launching it at
Mobile Banking & Internet Banking platform, IMPS has been now introduced at ATMs also. Daily limit of IMPS
fund transfer through ATM is fixed as Rs.10000/-. The detailed procedure is as under:
*Note: All the operative accounts linked with the debit card can be registered for IMPS one by one with the
similar procedure.
Menu Option DCARDINS be made available to the Helpdesk users at Circle office IT Deptt. Helpdesk users at
Circle office IT Department have been enabled to shift the inventory of one branch to another as and when
required within the circle. Process Flow :
Menu option DCARDINS
Sub option – ‘M’ To shift a particular SBC no. (Card lot of 100) in the FINACLE
system from one Sol Id to another.
a. Enter DCARDINS menu with ‘M’ option.
b. Enter SBC No. (Card lot of 100) to be shifted to another Sol Id.
c. Enter Sol Id of the branch where cards to be shifted.
d. Press ‘Y’.
e. Press ‘F4’.
Partial transfer is not allowed, only complete set of 100 cards of any SBC number can be shifted from one Sol
to another.
The process flow to receive & verify the SBC by the branch is reiterated as under:
Menu option DCARDINS
Sub option – ‘R’ To receive a particular SBC no. (Card lot of 100) in the FINACLE
system
Sub Option ‘V’ To verify the above received records in the FINACLE system by
another User
2. Sub option – ‘R’
a. Enter DCARDINS menu with ‘R’ option.
b. Enter SBC number individually or range of the SBC No allotted to the Sol and then SOLID in the
next field.
c. Press ‘Y’.
d. Press ‘F4’.
3. Sub option – ‘V’
a. Enter DCARDINS menu with ‘V’ option.
b. Enter SOL ID and then SBC number individually or range of the SBC No allotted to your sol in the
next field.
c. Press ‘Y’.
d. Press
Zonal Training Centre Dehradun [222]
There are also Two separate types of Prepaid Card, salient feature are given hereunder:
CREDIT CARD
Credit cards are issued with preset credit limits and also called “BUY NOW PAY LATER”
Important - From Ist July 2013 onwards, bank shall issue all new cards for domestic usage only
unless Int’l use is specifically sought.
2) Credit card can be issued to the employees of corporate / institutions maintaining their deposit /
advance or other accounts with us but employees are not maintaining individual accounts with us.
GENERAL PUBLIC
Category of credit card Limit Limit Cash withdrawal limit
Minimum Maximum
Classic Card +2 Add on 10,000/- 1,00,000 30% of the card limit
Gold Card + 2 Add on 50,000/- 5,00,000/- 40% of the card limit
As per RBI guidelines KYC/AML guidelines in respect of add-on/ supplementary card holder are also complied
with. While recommending issuance of Add-on cards, copy of necessary KYC documents are also attached
with the application.
The credit card limit for RRB employees shall be fixed as given here-under:
Cadre/ Designation Limit on the Card in Cash Limit in Rs. Add-on cards
Rs.
Officers – JMG I 50,000 10,000 Two
MMG II & III 75,000 15,000 Two
SMG IV & V 1,50,000 30,000 Two
1) Banking relationship with PNB with a satisfactory track record of minimum 6 months’ has
been waived but RRB staff should have an account with PNB.
2) Officer employee should be permanent employee of RRB.
3) KYC compliance should be ensured by RRB.
4) All applications should be routed through HO of the RRB.
5) In case officer does not remain in service entire dues to be recovered.
Zonal Training Centre Dehradun [224]
HOUSING LOAN CUSTOMER OF THE BANK
1.Credit card in the name of applicant whose name appeared on FD either single or
jointly with family members.
2.Joint deposit with minor not eligible.
3.Limit 90% of the deposit amount with PNB
4.Limit will be set up in multiples of 1000/-
5.Branch to mark lien on FDR
6.No income proof, no upper age limit, minimum age 18 years
7.FD in PNBTax Saver, RD, Capital gain, Deposit in the name of minor not eligble.
8. On failure to pay monthly credit card dues: In case, a Credit Card holder fails to make
payment of monthly credit card dues till the expiry of 60 days of ‘payment due date’, the outstanding
against the credit card account will be liquidated by making premature encashment of Term Deposit
and by appropriating the proceeds towards repayment of credit card dues.
9.Joining /Annual / Renewal fee - NIL
Type of card Card limit (min.) Card Limit( Max.)
Classic Rs.10000/- Rs.49000/-
Gold Rs.50000/- Rs.499000/-
Platinum Rs.500000/- Rs.1000000/-
STAFF
Cadre / Designation Card Limit Cash Limit Add – on card
Subordinate Staff 5000 NIL NIL
Clerical 25000 5000 Two
Officer-JMG-1 50000 10000 Two
MMG II & III 75000 15000 Two
SMG IV & V 150000 30000 Two
TEG VI 200000 40000 Two
TEG VII 300000 60000 Two
CMD /ED 500000 100000 Two
Cash withdrawal limit will be within the overall credit limit assigned to the card holder.
DOCUMENTS REQUIRED
4) At the time of payment of credit card bills, the customer has the option of paying any amount
between Minimum Amount due or Total Amount due. Minimum amount due is 5% of total amount
due or Rs.100/- whichever is higher.
6) Credit card statement if received through e-mail is password protected having the secured password
as “Credit card Number”
7) All credit card applications should be completely filled in and entered in CBS system
through menu option “CCAPPL”. Print report alongwith the application duly
recommended be submitted to the Credit Card Processing Centre A-37 Sector 60 NOIDA
– 201301 UP.
In order to facilitate easy and convenient mode of payment of credit card dues, the card holders may
choose to make payment at any CBS branch, through following modes:
i) Cash deposit
viii) NEFT
ix) Auto debit authority
Internet banking facility is available to the customer of CBS Branches for accessing/ operating their accounts
without coming to bank branches. At present customers as per the constitution defined as individual / joint
can avail the facility of retail IBS and other constitution type customers can avail the corporate IBS facility.
Current / Cash credit account holders, who are sole prop./partnership be allowed retail IBS
facility if they wish to operate with single user ID - for this Modify CUMM (constitution code
“Sole Prop – 011” AND “ Partnership 009”
After using “C” option and verification One envelope will be received from IBS, ITD Section Head Office New
Delhi containing the passwords (codes ) of the customers.
On receipt of envelope Branch user to enable the Passwords through “E(A)” option followed by entering the
facility to be enabled i.e. L (login) LT(Login and Transactions ). Now press F4 to finish.
Please note that : Customer ID will be User ID in case of Retail IBS user.
The password should be handed over to the user after obtaining proper receipt and activated by the branch
officials as explained above. The password will automatically enabled after 24 hours.
Zonal Training Centre Dehradun [227]
SIMILAR ACTIVITIES IS TO BE DONE TO DISABLE USER, APPLYING DUPLICATE PASSWORD,
MODIFY USER PROFILE AND TO ATTACH MORE CUST IDS / ACCOUNTS.
Retail IBS user can configure own limits for following parameters in the
system himself:
(i) Login time (through his login)
(ii) Transaction limit (within max. limit of 15 lacs & maximum
number of transactions to be undertaking through his login.
(iii)Account level restriction on the facility obtained (through branch)
GENERAL GUIDELINES
(i) This facility is available only for Retail IBS Users.
(ii) Only self operated Saving and current a/c customers are eligible.
(iii) Only customers registered for SMS alerts are eligible.
(iv) Only customers having debit /ATM Cards, ATM Pin can avail this facility.
(v) Only customer who have got updated Date of birth or PAN Number can avail the facility.
(vi) User can change Customer ID only Once
(vii) For modification, cancellation, link another a/c customer to visit at branch.
(viii) OTP can be generated only thrice in a day
(ix) If three times wrong OTP entered user will be disabled for a day only.
(x) Password should be minimum 6 maximum 28 characters (combination of alpha, numeric and
special character)
a) Enter User ID, select facility (Login or Transaction or both) and click on forget password > On
sucessful validation of entered data an OTP (One time password) will be delilvered to the handset of
the user registered for SMS alters. ( This OTP will be valid for 5 minutes only )
a) Retail IBS user can change his own USER ID only once from the existing user ID after logging
into the IBS module>Personal setting > Change user ID.
b) User to enter the existing IBS User-id and new self generated IBS User-id and confirm new user
Zonal Training Centre Dehradun [228]
id. Now click on “Check availability of user ID” option. If selected user ID is available than
again enter existing IBS User-id and new self generated IBS User-id and confirm new user id
and click on ‘Change user id’ and appropriate message will be displayed.
Features of IMPS
1) Facility is available only to Retail Internet Banking users 24X7X365 Who are registered SMS Alerts
users
2) Beneficiary MMID and Mobile Number are prerequisites for fund transfer which is currently have a
limit of Rs.50000/- per day.
3) The facility of bulk IMPS fund transfer is available through upload Option maximum 5 trans. Total
limit for amount of Rs.50000/- still holds good for additional transactions. (Records be prepared in
.xls file as per following format)
2. After clicking on IMPS, user needs to click on Generate/Retrieve MMID to generate his/her MMID.
For Receiving funds user to share his MMID and mobile number with the remitter.
4. User Required to enter information as per screen and click on submit and on next screen IBS user
ID and Transaction passwords be entered for confirmation of the transaction.
6. For BULK transactions using uupload – click Bulk transaction under Transfer – IMPS menu. User
needs to attach the file by browsing and clicking on upload button.
Integration with NSDL for implementation of view Tax Credit Statement (form 26AS) for retail IBS User
Pre-Requisite – PAN Number of the customer should be present in the Cust ID on which the retail internet
banking is being availed.
STEPS:
1) Log on to internet banking > click on “Tax credit statement “(form 26AS)” provided on home
page.
2) Page containing PAN of IBS user will open. Now click on submit
3) User will be directed to NSDL website
4) Click on view form 26AS
5) User to select the financial year for the Tax credit statement
6) Now user can check the Tax credit statement for selected year
7) Here TDS certificate can be printed also.
Payee creation will remain mandatory for making 3rd party fund transfer within PNB and interbank
remittances using NEFT and RTGS. To add a payee/beneficiary, click on link “Register Beneficiary”. Provide
the 16 digit a/c number and click on “Get Details”, Payee name will be displayed by the system. If payee
name is correct then click on “Add beneficiary”. A beneficiary ID is shown by the system at the top and a six
digit URN (Unique Reference Number), which is One Time Password (OTP) is sent on user’s mobile
number registered with PNB for SMS alerts. At this stage added payee is not activated.
For activation, customer needs to confirm the added payee, should clicks on the link
“Confirm/Reject Beneficiary”. A list of all added payees which are yet to be confirmed/rejected
by the user will be displayed. Select a payee and click on “Confirm beneficiary”. Enter the URN
received on mobile number and click on “confirm beneficiary” again. IF URN is correctly
entered then payee/beneficiary will be activated immediately and user can transfer the funds.
As a part of the new security feature retail internet banking users can now restrict the risk involved in retail
internet banking services by setting up various limits as per their requirements. A new link ‘Limits’ has been
introduced in the left menu bar for setting/modifying the limits. The procedure is as under
For example, if a user has set his limit to 5, he cannot add more than 5 beneficiaries in a single day for all
types of transfers.
2. Users will be required to set limit for each beneficiary individually (for all types of beneficiary’s viz. Transfer
to other account within PNB, by NEFT and RTGS) in terms of maximum amount per transaction that can be
transferred to the beneficiary & Number of transactions that can be made to the beneficiary in a day.
However, in case of adding a new beneficiary, system will prompt for these limits at the time of creation of
beneficiary itself.
Additional authentication by way of SMS OTP which will be sent to user’s registered mobile number in
addition to the transaction password has been introduced for Bill payment transactions above Rs. 5000/-.
Bill Payment transactions towards ticket booking through IRCTC have been excluded from requirement of
additional authentication using SMS OTP. However, the daily overall limit and bill payment transaction limit
set by the user will apply to IRCTC transactions also.
1. For making payment to registered beneficiaries in Transfer to other account within PNB/RTGS/NEFT, users
will be first required to set limit for each beneficiary individually (for all types of beneficiary’s viz. Transfer to
other account within PNB, NEFT and RTGS) in terms of maximum amount per transaction that can be
transferred to the beneficiary & Number of transactions that can be made to the beneficiary in a day.
2. The limits will be restricted to maximum overall limit and other limits set by user himself/herself. If the
user decreases the overall limit, system will prompt him/her to reset other limits within new overall limit set
by the user.
3. Users can anytime increase and decrease their limits online as per their requirement and convenience -
b. The upward revision will require additional authentication by way of OTP which will be sent to user’s
registered mobile number in addition to the transaction password.
4. The OTP will be valid for a limited time period (5 Minutes). Users are required to use the OTP as soon as
they receive the same. Only limited number of attempts (5 attempts) would be available to users for
validating the OTP failing which, the transaction password will be blocked
The facility of issuance of e-FD has been customised in Internet Banking Services for the following Schemes
of term deposits only:
Multi Benefit Term Deposit Scheme, Special Term Deposit Scheme, Ordinary Term Deposit
Scheme & PNB Sugam Term Deposit Scheme subject to conditions given below:
Zonal Training Centre Dehradun [231]
1. Customer should be an existing customer having operative Saving/Current Account, internet banking and
mode of operation, branch will be same as in debit account.
2. The Saving/Current account should be fully KYC compliant i.e. Photograph, Address proof, PAN
Details/Form 60-61, properly introduced account etc.
3. The IBS screen would contain an icon whereby the customer can lodge a request for e-FD for a
maximum amount of Rs. 10 crore at applicable card rates for PNB Sugam Term Deposit Scheme and
below Rs. 1 Crore for all other Schemes..
4. Through the icon the customer can view and fill up the account opening form for an e-FD.
5. After filling up the form the request of the depositor shall be submitted through Internet banking.
10. 15G/15H form is to be deposited in the branch if the depositor seeks exemption from TDS.
11. Auto Renewal facility provided only for the maturity value. In case the depositor wants to renew for the
principal amount only, then Branch has to be visited within 14 days of the maturity of the e-FD.
12. Proceeds on maturity (if no auto renewal instructions are given) to be credited in the account through
which the term deposit was funded.
13. Branch would be intimated through day end report of the (number & details) e-FDs’ issued.
To get view and Admin functionality, only Form [A] of PNB 1085 need to be submitted and for transactional
services Form [B] of PNB 1085 is to be submitted. On the basis of information furnished in Form A, Account
Administrator will be created who will have only view option and Admin facilities as per following procedure:
Account administrator has to collect the user ids and password from branch and submit acknowledgement of
receipt of password following which his user id would be activated.
Administrator can now login and CREATE OTHER USER IN HIS ORGANIZATION / HIMSELF FOR EITHER VIEW
OR TRANSACTION FACILITY WITH “CUSER” Profile.
To avail transaction password, corporate has to submit Form B.
All facilities related to activation / workflow rules for corporate users are available under Relationship
Manager Login ->User Maintenance menu.
SUBMISSION OF FORM B
Roles and Hierarchies in the organization need to the filled. The role / Designation with the highest
rank would have the lowest hierarchy number, i.e. 1, the next higher rank would have hierarchy number
2 and so on. This information is required by the system to ensure that the rank of the official
authorizing the transaction is higher / equal than the person who initiated it.
(3) Limits
All transactions / transfers through Internet Banking have been
group into 4 transaction types by the bank, namely A, B,C & D as
Zonal Training Centre Dehradun [233]
under
S. Transaction type for Code Transactions Facilities available
No. fund Transfer
1 Self -Transfer A - Online Transfer / Schedule Transfer of funds
to own accounts
- Request for account opening / renewal of
any type of account
- Request for cheque book
- Request for reporting loss of demand draft/
cash order
- Setting up of sweeping rules
- online stop payment of cheques
2 Third party B - Utility Bill Payments
- Online Transfer / Schedule Transfer of funds
to third party accounts
- Request for bill lodging (both inland and
foreign)
- Request for issuance of Demand Draft/Cash
Order
- Request for LC / LG opening / amendment
- Request for funds transfer to non-CBS
branches
- Online lodgment of LC, LG and bills
3 Upload (Batch transfers) C - Upload of files like salary upload, dealer debit
upload etc.
- MIS File upload for reconciliation
4 Linked account transfer* D Online Transfer / Schedule Transfer of funds
from linked account(s)
5 Inter Bank transfers E -Online RTGS
-Online NEFT
-Request for RTGS
-Request for NEFT
On receipt of FORM “B” duly completed in all respects, Relationship manager of branch will enter the details
of form “B” by logging into system through Relationship Manager .
These are Names & User IDs of the Designation in company and transaction type to Limits up to which these
company created by Admn user with handle financial transaction in company through designated officials can do
CUSER profile. Here user ID creation is IBS as per bank’s set code above the transaction as per
5 Alpha and 3 numeric transaction type defined
A new link ‘Limits’ introduced in the left menu bar for setting / modifying the limits. Procedure:
Setting of limits
If another C-user is required to remit funds to same beneficiary he should first set the
limit. The record will go to admin for approval.
7) Initiating Payment :
During transaction to a particular beneficiary, Only maker/initiator’s limit for that beneficiary will be
consumed.
Corporate User (With CUSER Profile) Would Create The Payee For Third Party Transfer. The Payee So
Created Would Be In A Disabled State And Would Not Be Visible To The Corporate User.
Admin User Of The Concerned Corporate Would Be Required To Either Accept And Activate The
Payee Id Created By The Corporate User Or Reject The Same, By Logging Into The System.
On Activation, The Payee ID Becomes Visible To The Corporate Users Under The ‘Make Payment’
Option For Undertaking Fund Transfer To Third Party Accounts Within The Bank.
In case a Corporate has forgotten their Admin Password, they may apply for a Duplicate Password through
the branch. These requests must be submitted under the login of the Relationship Manager at the Branch, as
per the existing process.
IBS SHIELD
IBS customer can avail another security feature thus l have to choose a image and a phrase which will be
registered against their user-id. Customer whenever access the IBS website after checking the user
credentials, website will display to customer the image and phrase registered by them against their id. This
will confirm to the customer that he / she is on genuine website. Customer should enter their password into
website only if they find the correct image and phrase displayed on website. If they find the phrase and / or
image other than the registered one, Customer should not enter their password.
MOBILE BANKING
Any person having account with PNB with Single or Joint name (having constitution code 001 or 002 as
per CUMM) can apply for PNB Mobile Banking Services. On receipt of application on prescribed format duly
completed in all respect user to enter menu option MBRPOST. ‘Mobile Banking’ only ‘10’ digit mobile
number is to be entered in CBS without prefixing ‘91’ (Country code). Activity will be as under:
Role of Maker:
Enter option ‘C’ Click F4
Enter 'A‟ in function
Enter Cust id , Click F4
Enter Mobile Number ( Max 10 digits allowed)
Enter ZIP CODE(Pin code given in the address of the customer)
Enter Date of Birth in a given date format(DD-MM-YYYY)
Enter Mother‟s Maiden Name ( not case sensitive, No spaces allowed)
Enter the facility required by the Customer
„V‟ for only View
„VT‟ for both View & Transaction
Click F4
Role of Checker :
Enter option „C‟ Click F4
Enter 'V‟ in function
Enter Cust id, Click F4
Verify the Details and Click F4
B. Enable Passwords:
After the Password for Mobile Banking for a customer is received at the Branch, the steps for Submitting
Request for Enabling the User in „MBRPOST‟ menu are as under:
Role of Maker:
Enter option „E‟ Click F4
Enter 'A‟ in function
Enter Cust id , for which the password had been received, Click F4
Enter the facility to be Enabled
Role of Checker
Enter option „E‟ Click F4
Enter 'V‟ in function
Enter Cust id, Click F4
Verify the Details and Click F4
C. Disable User
Role of Maker:
Enter option „D‟ Click F4
Enter 'A‟ in function
Enter Cust id , Click F4.
Check the User Id, Name, Address etc
Enter the facility to be Disabled
Role of Checker
Enter option „D‟ Click F4
Enter 'V‟ in function
Enter Cust id, Click F4
Verify the Details and Click F4
Role of Maker:
Enter option „P‟ Click F4
Enter 'A‟ in function
Enter Cust id, for which duplicate password is needed, Click F4.
Enter the facility to be Enabled
„L‟ for Login only
„T‟ for Transaction only
„LT‟ for both view & Transaction
Click F4
Role of Checker
Enter option „P‟ Click F4
Enter 'V‟ in function
Enter Cust id, Click F
Verify the Details and Click F4
E. Steps for Submitting Request for Modification of User Profile, Mobile Number, Security
Questions
Role of Maker:
Enter option „M‟ Click F4
Enter 'A‟ in function
Enter Cust id, for which the user Id already allotted, Click F4.
Enter the data to be modified ( F – User Profile, M – Mobile Number,S – Security Questions )
Role of Checker
Enter option „M‟ Click F4
Enter 'V‟ in function
Enter Cust id, Click F4
Enter modification type ( F – User Profile, M – Mobile Number, S – Security Questions)
Verify the Details and Click F4
Role of Maker:
Enter option „A‟ Click F4
Enter 'A‟ in function
Enter cust id, Click F4
Check the User Id, Name, Address etc
Enter the Cust Id to be attached. Click F4
Role of Checker:
Enter option „A‟ Click F4
Enter „V‟ in function
1. AVAILABLE SERVICES :
Account Details
Account Balance Inquiry
Nominee Details
Mini Statement (last 10 transactions)
Transfer of funds to own accounts
Transfer of funds to 3rd Party Accounts within PNB
IMPS for interbank fund transfer (using MMID & registered mobile number)
IMPS Merchant payments (P2M)
IMPS P2A (using IFSC code)
Cheque Status Inquiry
Stop payment of Cheque
Request for
1) Cheque Book
2) FD Opening
3) NEFT
4) RTGS
Mobile Payments towards utility bills/services
Change SMS Password , Transaction Password
Apply for Bank products
Daily limit: Daily limit of fund transfer through mobile banking is fixed as Rs. 50,000/- per customer, which
includes mobile payments. Under SMS/USSD mode this limit is fixed as Rs. 5,000/- per day.
One of the features of mobile banking is that the funds can be transferred to other bank accounts in real time
using the link IMPS. Our Mobile Banking application is enabled for :
IMPS is a very useful feature of mobile banking, where a user can remit funds to other banks on real
time basis by entering beneficiary’s MMID (Mobile Money Identifier) & registered mobile number. The
procedure is as follows:
1) Generate MMID: Based on the requirements user can create MMID for his various accounts with
bank for which he/she wishes to receive funds. MMID is a seven digit number generated for each
account no. This would be one time activity
2) View MMID: Using this option the registered Mobile Banking user can view the MMID created for
different account number
3) Funds Transfer: By using the feature the customer can do interbank transfer
of funds. The customer will select debit account no. And enter beneficiary mobile number,
beneficiary MMID, amount to be transferred and clicks Transfer. The user then confirms the
transaction by entering the transaction password and the funds
transfer is initiated on real time basis
Interbank payments through Mobile Banking can be done using IFSC Code & account number of the
beneficiary. This mode is different from NEFT/RTGS, as the facility of fund transfer in this mode is available
24*7 and funds are transferred on real time basis.
A. The procedure for fund transfer through browser based flavor is as under:
System will display appropriate message and reference number for record.
B. In Application Based flavor, User needs not to generate OTP, and he is required to enter
transaction password instead of OTP. Remaining procedure is same as in
browser based.
Enter OTP and press OK. Success message with reference no. wil be displayed on the mobile
screen.
For browser based flavor the handset should be wi-fi enabled or net enabled i.e. GPRS connectivity has to be
enabled from the service provider whose connection is being used by the customer. PNB Mobile banking
user can login from any mobile handset using his login password.
a) To login –
1) Go to https://mobile.netpnb.com
2) Click ‘Access’ Thin client services.
3) Click on retail banking
4) In next screen enter Mobile Banking user ID and login PW
5) User to accept the terms and conditions and forced to change
His/her login password (first time login only)
For making transaction User needs to first generate one time password (OTP), which will work as
transaction password. Before making any transaction, user will first click on the link Generate
OTP & OTP wil be delivered to his registered mobile number. The OTP generated once can be used
only for one transaction within 10 minutes from generated time. In case the time period lapses, the
customer wil require generating new OTP
Workflow
Any mobile phone capable of sending and receiving SMS can be used for SMS Based Mobile Banking. The
user has to create SMS in the following predefined format(s) according to the service (s) required by him
and send the same to our fixed number 5607040
(Where SMS Password =2222; A/C No. 015300xxxxxxxxxx, Cheque NO.=cccccc User ID = BBBBBBBB New
SMS PW =3333)
IMPS PIN
IMPS PIN is a seven digit no. which is combination of 4 digit SMS PASSWORD and last 3 digits of
REMITTERS MMID
MMID
Mobile Money Identifier: A seven digit code assigned to an account number of a customer that will be used
for sending and receiving mobile remittances.
NPCI ( National Payment Corporation of India ) has launched USSD based Mobile Banking through a common
platform for all Banks under National Unified USSD Platform (NUUP). USSD based Mobile Banking Services
can now be availed by the customers by dialing *99# which would connect tge customer to USSD platform
of NPCI. Features:
1) NUUP is accessible & available for all the Mobile Service providers (GSM Mobile subscribers)
2) Internet / GPRS activation on the Mobile handset is not required.
3) Individual bank has no charges but telecom operator charges `1.50 per session.
Operational procedure:
On dialing *99# system would ask for first four digits of IFS code of the bank which in our case is “PUNB”.
After entering “PUNB” & clicking “send”, following services would be available to the customers:
Balance Enquiry
Mini Statement
MMID Generation
Change M-Pin
On selecting different options system flashes required messages and asking to enter details like :
On providing required information on mobile NPCI will act as per requirement of the customer.
RBI has mandated that all banking facilities should be made available to visually impaired customers without
any discrimination.
(i) ATM/Debit Card, Internet Banking & Mobile banking services may be provided to visually impaired
persons considering the merits of each applicant like educational qualification, status etc.
(ii) Obtain undertaking from the applicant (as per annexure) along with the request form.
(iii) The facility can be provided in joint account also.
(iv) The request along with full justification should be sent to the respective circle office for approval.
Zonal Training Centre Dehradun [246]
(v) Circle head has been empowered to approve such request.
(For details refer TBD Circular 55/2013)
Features :
1) While entering Details of Debit Card in a register simultaneous request for SMS Alert is to
be obtained by getting signature of customer in a in the register.
2) While issuing personalized cheque book to customer SMS Alerts made mandatory.
Mandatory Requirements:
1) Mobile number with prefix 91 must available in the IInd page of CUMM Screen.
2) If there is a change in mobile number it should be updated only through CUMM menu.
Customers who are registered with SMS alert facility can get the available balance on MISSED
CALL ( Less than 3 ) at our toll free No. 18001802222. System will flash the balance on his
mobile.
CDM installation site requires one power point, UPS connectivity and LAN connection. CDM
should be installed at a placed in the branch which is under continuous surveillance of CCTV
Camera.
In SPSD Branch to log request for creation of Imprest Account in FINACLE by advising SOLID
Switch on the Machine : Before switching on the CDM in the morning , branch should Check that
sufficient paper roll is available in the receipt printer and CDM is connected with UPS supply. Thereafter after
switch on and using login password administrator can make available the machine ready for use .
Paper Roll Stock : Branch should keep always stock sufficient to meet minimum one month
requirement. CDM has space at the bottom of front side to keep paper rolls.
Cash Handling:
Dial Lock should be always locked. (Centre lock).
Before inserting the cash box in the CDM ensure two locks are in locked position.
The default dial lock password should be changed by the authorized Official according to their
requirement. It can be 3 digit pass word which will be known to custodians of CDM.
Customer can deposit at a time maximum 40 notes and upto Rs 30,000/- only. Cash Box has
housing capacity of total 2500 notes.
If CDM is down for any reason then cash box should be evacuated by the custodians before
handing over to service engineer.
Please ensure that no outsiders are present while removing the cash box or while accessing the safe.
At a specified time and / or when cash box is loaded to its capacity, the cash collected in CDM is
to be evacuated by taking out cash box from CDM & replacing it with spare empty cassette
provided with the machine, so as to restore the service immediately.
Before evacuating the fully loaded cassette , the custodian / authorized officer , who may be
having the admin user id and password , has to take an evacuation report / summary report which
shows the cumulative collection as well as unsuccessful transactions, if any. Transaction Report
gives details as transaction number, account details, date, time, amount deposited, and
denomination wise details. The data in this report to be reconciled with physical cash and
ADMINISTRATION FUNCTION
i) Admin user has to enter 4 digit “Unique Number” provided by the vendor ,on the Account Number
Screen to go to admin flow.
ii) On the Admin Login, administrator has to enter 4 digit “Admin Username” provided
by the Vendor.
iii) Application will prompt for password on the Admin Screen, where administrator has
to enter the 4 digit Password given by the vendor
iv) Once valid username & password is entered following Admin Options will be available
to the administrator.
(i)Configuration :
To change the configurations for the acceptance of denominations of currency notes in the
kiosk. It is not allowed to local users. It is configured to accept Rs50/-, 100/- , 500/- and
1000/- denomination of Indian Currency Notes.
(ii)Reports :
(a) Summary Report : For the day known as Evacuation report during the clearance on
daily basis.
(b) Particular Date report : Duplicate reports can also be taken with print out facility.
RECONCILIATION
a) Reconciliation will be done based on the report provided by CBS (PNBRPT 2/44) as well
as report available at Cash Deposit Machines. Both the reports should be tallied entry wise
with each other. Difference if any, will be rectified on the basis of JP log / EJ.
b) If there is a machine breakdown and no EJ is available, then reconciliation is to be done
through Physical JP log.
c) Reconciliation is to be done by passing accounting voucher on every time when cash is
taken out from the Cash Deposit Machine to the debit of Cash in hand and crediting
Imprest account Cash Deposit Machine <6 digit sol-id> 5811371. This imprest account is
to be brought to Nil every time . If there is any mismatch between balance in imprest
A/c and Physical Cash in CDM , then reconciliation is to be done on the basis of
Summary Report generated before taking out the loaded Cash box from CDM &
the Cash Imprest Account in Finacle.
Situation 1: when the transaction has been shown as successful and the account has
not been credited.
Solution : Any such incidence if brought to the knowledge of Branch Official . Branch should wait for 24
hours for system to provide credit automatically. If need be manual credit may be given after being
satisfied regarding the genuineness of the claim by the depositor subject to verification of cash physically
and reconciling the transactions.
Situation 2: When the transaction has been shown as unsuccessful and the a/c
has been credited:
Solution : Sometimes the message goes to finacle and the account is credited but while sending back the
signal to CDM, some problem occurs because of which the transaction is unsuccessful and to resolve the
same Imprest a/c is to be matched with CDM’s summary chart. No manual credit should be given.
Situation 4: When no transaction has taken place but the customer claims that
his cash has been accepted.
Solution : This happens if there is some local problem like machine is put off abruptly or UPS breaks
down and / or local breakdown of connectivity . Customers name will not appear in the summary report
and physical cash will be found in excess. In such cases customer may be asked to submit written
request . The request letter should consist of details of denomination, time of occurrence, account number
etc. Branch may give manual credit to account of customer observing all other safeguards also like
verification from CCTV footage and verification of genuineness of request of the customer etc.
DO’S:
(1) On daily basis tally the summary report generated from CDM with impress account Cash deposit
Machine <6 digit sol-id> 5811371 in finacle.
(2) Before switching over CDM Check regularly - its connection with UPS and LAN is proper, Clean
the touch Screen with tissue paper, open the printer cover and check for sufficiency of paper roll
and CDM is under surveillance area. of CCTV which is functioning. Before inserting the cash box
, ensure two locks are in locked position.
(3) To check LAN connectivity Exit the application procedure through Admin mode Press
Ctrl + Alt +Delete key Press End task Application Select the FTL kiosk 3 tasks and
delete . Then go to Desktop Start Run on command prompt type cmd browse on
getting command prompt type c:\ document and settings\pnb> type cd\ at c:\ping
10.192.2.5 –t if reply from Server received , then CDM is properly connected to
main server.
(4) If customer reports unsuccessful transaction, Verify first in FINNACLE in the Customer if the
amount is credited or not. If it is credited , then the unsuccessful transaction is to be treated as
Successful .
(6) Whenever Engineer visits branch to attend for Request Call / Preventive Maintenance, ensure the
Cash Box is to be taken out only in the presence of Bank Official.
(7) Switch Off the CDM through Shut down procedure only.
DON’TS:
(1) Customers be advised not to place Wet notes, Taped notes, Cut notes, Notes with Pins in Note
Feeder.
(2) Handle carefully when removing the cash acceptor. If note gets struck in between Cash Acceptor
and Cash box do not remove cash box. First remove acceptor , to access cash box.
(3) DO NOT SWITCH OFF THE CDM DIRECTLY.
a) Each CDM may have at least two sets of sealed Cash Cassettes for holding cash.
b) As soon as the currency cassette of cash deposit machine gets completely filled, the filled out
Cash Cassettes may be taken out by two authorized personnel of the branch and replaced
with empty Cash Cassettes. During the course of a day, this exercise may be carried out as
many times as required.
c) At the end of each day, the Cash Cassettes in the CDM must necessarily be taken out and
replaced with empty Cash Cassettes.
d) The Cash Cassettes taken out from the CDM would be taken to the strong room of the branch
under the supervision of two authorized branch personnel.
e) The cassettes taken out from the CDMs would be taken to the secure area in the strong room
of the branch. There, under the supervision of two authorized branch personnel, the cash be
taken out from the cassettes, counted and tallied under the scrutiny of the CCTVs installed.
f) The cash received may be tallied with the receipts generated by the CDM, and tallied. Any
discrepancy / shortage / overage must be taken up and resolved on the same day.
‘TWO AUTHORIZED PERSONNEL OF THE BRANCH’ AS MENTIONED ABOVE, ARE THE BRANCH
CASH CUSTODIANS, WHO WILL ALSO BE THE CUSTODIANS OF THE CASH AT CDM.
ACCOUNTING PROCEDURE
a) The CBS system has been geared for integration with the CDMs to be installed in branches.
Under this process, Imprest Accounts in CBS are required to be opened for each individual
Cash Deposit Machine. In case a branch has more than one CDM, separate machine specific
Imprest accounts would be required to be opened. For opening of the Imprest Account for
cash deposit machine, please refer to HO: ITD CBS Circular No. ITD/CBS/83/2011.
b) The cash deposited in the machine by a customer would be credited to his account, to the
debit of this Imprest Account. At the end of the day, the branch would be required to bring down
the balance in the Imprest Account as ‘Nil’, by passing a manual voucher where in the Imprest
Account would be credited to the debit of ‘Cash in Hand’. This can be done after the cash has been
taken out from the machine and has been duly accounted for.
The Self Service Passbook Printing Terminal will enable the customer to update the passbook at his
convenience. The branch will need to print a bar code for the customer’s account number and affix the bar
code on the customer’s passbook
Once the bar code has been affixed on the passbook, the procedure to be followed by the customer is as
under:-
1. Customer on approaching the Self Service Passbook printer will tap the START button on the
Touch screen
2. The machine will prompt for selection of the language
3. The Machine will ask the customer to place the bar-code in front of the bar code reader
4. When the bar-code is validated by Finacle and it is found that there are unprinted transactions in
the account, the machine will ask the customer to place the passbook in the passbook printer
and guide the customer with on-screen prompts till all unprinted transactions are printed.
a) If all the transactions have already been printed, the terminal will give a message to the customer
“There is nothing to print”
b) The machine will prompt the customer to turn over the page and re-insert the passbook if some
transactions are still pending when the complete page has been printed
c) The machine will prompt the customer to get a new passbook issued from the branch if the printing is
completed up to seventh page as our current passbooks have seven pages.
d) The first time printing in a new passbook has to be done by the branch only as the passbook printing
terminal is not equipped to print the name and other details of the customer
e) In case there is some connectivity failure while the customer is printing the passbook at the terminal
there might be mismatch in the last print date saved in the Finacle and therefore the system will
prompt the customer to visit the branch. The branch official has to invoke a menu option PBPUPD to
synchronise the passbook entries in Finacle with the terminal
IMPORTANT
The facility of printing of Bar Code and updation of Pass Book from any branch of the bank already exists. To
provide better customer services, all customers be allowed to get Bar Code printed and affixed on Pass Book
and also allow them to get their Pass book updated from any PUM/branch of their choice.
Till 19.07.2012
a. Entire outstanding
Customer Constitution: Individual (001), Joint (002), HUF (010), Proprietor
(011), SHG (016),
JLG (017), Other (999)
Sub-sector : Agriculture (10010)
Mode of Advance: Direct (DIRCT) or Direct to Sugar Mill (DIRSM)
SRM security code: No condition
b. 1/3 rd of the outstanding in excess of Rs.1 Cr
Customer Constitution: OTHER THAN Individual (001), Joint
(002), HUF (010), Proprietor
(011), SHG (016), JLG (017), Other (999),
Sub-sector: Agriculture (10010)
Mode of Advance: Direct (DIRCT), Direct to Sugar Mill (DIRSM)
SRM security code: No condition
c. Entire outstanding
Customer Constitution: Individual (001), Joint (002), HUF (010), Proprietor (011),
SHG (016),
JLG (017), Other (999)
Sub-sector : Agriculture (10010)
Mode of Advance : F&A Unit-Rural Area-Inv in P&M-without any ceiling
(FAR5L-inv upto
5L,FA25R-inv 5L to 25L,FA5CR-inv 25L to 5Cr,FA10R-inv 5Cr to 10 Cr, FAATR-inv
>10Cr)
SRM security code: No condition
After 19.07.2012
d. Entire outstanding
Customer Constitution: Individual (001), Joint (002), HUF (010), Proprietor
(011), SHG (016),
JLG (017), Other (999)
Sub-sector: Agriculture 10010
Mode of Advance: Direct (DIRCT), Direct to Sugar Mill (DIRSM)
SRM security code: OTHER THAN loan against Warehouse
Receipt i.e.
CARNC,CSRNC,WHREC,WHRNB,WHRNC,WHRNG, WHRSACML
e. Entire outstanding of loan up to limit Rs.50 Lac
Customer Constitution: Individual (001), Joint (002), HUF (010), Proprietor
(011), SHG (016),
JLG (017), Other (999)
After 19.07.2012
Till 19.07.2012
a. Entire outstanding
Sub-sector: MSME Micro Mfg1 with Inv. in P&M upto 10L (20010)
Mode of Advance: No condition
After 19.07.2012
b. Entire outstanding
Sub-sector: MSME Micro Mfg1 with Inv. in P&M upto 10L (20010)
Mode of Advance: No condition
c. Entire outstanding
Sub-sector: Agriculture (10010)
Mode of Advance: FAR5L or AGR5L (Food & Agro Industries in rural & non-
rural areas with
investment in P&M upto 5 L)
4. Loan to Mfg Enterprise with inv. in P&M 10 L - 25 L
Till 19.07.2012
Zonal Training Centre Dehradun [257]
a. Entire outstanding
Sub-sector: MSME Micro Mfg2 with Inv. in P&M 10- 25L (20020)
Mode of Advance: ANY
After 19.07.2012
b. Entire outstanding
Sub-sector: MSME Micro Mfg2 with Inv. in P&M 10-25L (20020)
Mode of Advance: ANY
c. Entire outstanding
Sub-sector: Agriculture (10010)
Mode of Advance: FA25R or AGR25 (Food & Agro Industries in rural & non-rural
areas with
investment in P&M 5-25 L)
5. Loan to Mfg Enterprise with inv. in P&M 25 L - 5Cr
Till 19.07.2012
a. Entire outstanding
Sub-sector: MSME Small Mfg1 (20030) or MSME Small Mfg2 (20035)
Mode of Advance: ANY
After 19.07.2012
b. Entire outstanding
Sub-sector: MSME Small Mfg1 (20030) or MSME Small Mfg2 (20035)
Mode of Advance: ANY
c. Entire outstanding
Sub-sector: Agriculture (10010)
Mode of Advance: FA5CR or AGR5C (Food & Agro Industries in rural & non-rural
areas with
investment in P&M 25L-5 Cr)
6. Micro1 Service Enterprise with inv. in Eqp. upto 4 L
Till 19.07.2012
a. Entire outstanding
Sub-sector: MSME Micro Service1 Inv. In Equipments upto 4 lac (20001), Retail
Trade (70010)
Mode of Advance: Direct (DIRCT)
Purpose of Advance: OTHER THAN Retail Trade (RETTD)
b. Entire outstanding of loan up to limit 20 lac
Sub-sector: MSME Micro Service1 Inv. In Equipments upto 4 lac (20001), Retail
Trade (70010)
Mode of Advance: Direct (DIRCT)
Purpose of Advance: Retail Trade (RETTD)
c. Entire outstanding
Sub-sector: Prof & Self Emp (70030), Small Business (70020), Small Road & Water
Transport
(40010), Transport Others (40020)
Mode of Adv: Direct (DIRCT)
After 19.07.2012
a. Entire outstanding
Sub-sector: MSME Small Service Inv. In Equipments 10 lac to 2 Cr (20003)
Mode of Advance: Direct (DIRCT)
Purpose of Advance: OTHER THAN Retail Trade (RETTD)
b. Entire outstanding of loan up to limit 20 lac
Sub-sector: MSME Micro Service2 Inv. In Equipments 10 lac to 2 Cr (20003)
Mode of Advance: Direct (DIRCT)
Purpose of Advance: Retail Trade (RETTD)
c. Entire outstanding
Sub-sector: MSME Small Service Inv. In Equipments 10 lac to 2 Cr (20003)
Mode of Adv: OTHER THAN Direct (DIRCT) without any limit ceiling
After 19.07.2012
Incremental Loan: Outstanding amount of loans as on the reporting date minus outstanding
Sub-Sector: i) MSME Med Mfg Invest in P&M >5 CR & <=10 CR (20036) OR Medium Industries
(80010) ii)Agriculture (10010)
Mode of Adv: i) No condition
ii)F&A UNIT-RURAL AREA-INV. IN P&M > 5 CR <= 10 CR (FA10R)
F&A UNIT-NON RURAL AREA-INV.-P&M >5 CR <=10 CR (AGR10)
Incremental Loan: Outstanding amount of loans as on the reporting date minus outstanding
amount of loans as on the base date, i.e., November 13, 2013.
14. Micro Credit
a. Entire outstanding of loan up to limit Rs.50 thousand
Borrower Category: Tenant Farmer (AGTEF), Share Cropper (AGSHC), SHG
(SHGPS), JLG (JLG-A,JLG-B)
Sub-sector: OTHER THAN Agriculture (10010) & Micro Credit (90000)
Purpose of Adv: Loan to NBFC/NGO/MFI for onlending to Farmers (NBNGM)
b. Entire outstanding of loan up to limit 50 thousand
Sub-sector: Micro Credit (42-90000)
f. Entire outstanding of loan up to limit Rs.25 lac in Metro & Rs.15 lac in OTHER THAN
After 19.07.2012
22. Advances to Business correspondent Agent for BCA work (MSME 24/2014)
25. a) Revised General Credit Card (GCC) Scheme – Service Enterprises – (MSME 58/2014)
Sector Code
Loan up to Rs. 5 crore PRIOR
Loan above Rs. 5 crore NONPR
Sub Sector Code
Investment in Equipment
Up to Rs.4 lakh Micro- service -1 20001
Above Rs.4 lakh and up to Rs.10 lakh - Micro service -2 20002
Above Rs.10 lakh and up to Rs.2 crore Small service 20003
Above Rs.2 crore and up to Rs.5 crore Medium service 20004
Scheme Codes
Term loan TLSAN
Overdraft ODSAN
Borrower category Code PROF
Occupation code DOCTR
28. PNB Weaver Credit Card – PNBWCC Scheme (MSME Cir 53/2014)
30. Manufacturing / Processing / Preserving units (Food & Agro industry)- MSME 58/2014
Retail Trade loan accounts are identified based on Sub Sector and Purpose of Advance and
Borrower category codes. For ‘Trading’ accounts, the ‘Purpose of Advance’ codes should be
‘RETTD’,’ ‘REPDS’, ’SHWRM’ along with proper Sub Sector , Borrower Category
codes as under:-
33. Advances against pledge of warehouse receipts issued by approved Collateral Managers
35. Scheme for financing to Traders – PNB SUPER TRADE (MSME CIR 84/2014)
1. ‘Function’ field :- The user can give inputs of ‘A’ for Add, ‘I’ for Inquiry, ‘M’ – for modification, ‘V’- for
verification and ‘X’- for Cancellation
2. ‘Tran. Type’ :- ‘C’- for Cash & ‘T’ for transfer type of transactions.
3. ‘Sol ID’ :-The sol_id will be populated automatically in ‘Add’ mode.
4. ‘Paysys ID :- For RTGS the reference code will be ‘RTGS’
5. ‘Message Type’ :- The message type will be ‘R41’.
Click ‘Accept’ Button while creating a new transaction. The other fields ‘UTR’, ‘Tran ID’, ‘Tran Date’, ‘Paysys
Tran. Ref. No.’ may be used for Inquiring, modifying, Verifying and Cancelling of transaction. Cancellation of
transaction can be done before verification of transaction only.
The following Screen will appear for R41 messages after pressing the ‘Accept’ Button.
In the shown Screen the ‘Message Status’, ‘Reject Reason Code’,’ Rejection Reason’ field is protected. Fields,
which appears with ‘Red Star’ where default values are not populated. These fields are mandatory field.
1. Message Priority :- The message priority should be in between of 12-99. There is no need to change
the message priority which is default populated.
2. Value Date :- Value date should be the BOD date.
Dr. A/c Id: - In case of transfer the user has to give the dr. a/c id.
Cr. A/c ID: - The system will automatically pick the ‘RTGS Settlement A/c – ‘xxxxxx3211401B01’ 3.
Tran Amount: - The user has to input the transaction amount in this field .
4. Charge Event Id :- This will automatically populated (RTGS) R41
5. Charge A/c Id: - The account number from which charges are to be levied is required here. If
tran_type is ‘C’ – Cash, than charge A/c id must be cash in hand in India a/c of home sol.
6. Instmnt Type: - If the customer is making the payment through a cheque (CHQ), then only user
have to select cheque from the popup window. Instmnt no. and date also to be filled in this case
If it is a normal transfer transaction there is no need to fill anything in these fields.
7. Tran. Particular-( Non mandatory)
After pressing ‘NEXT’ button the one more screen will appear for R41 message:
In the field Receiver’ Bank/Branch Code’ should be filled by the User.
Use menu option IFSCI to get help for Bank/Branch code.
8. Ordering customer name and address will be automatically displayed by the system, but user have to
check for the existence of any special character before going for submit.
After entering all the information the user may press “Submit” button to get “Paysys Tran Ref No.” which
should be noted for verification.
1. Verification: - The verification can be done through the same menu option “HRTGS” by other Users
by feeding the Paysys Tran Ref. No. in the last field.
The branch will run the menu option IBSCHG to enter the details for the relaxation in charges to be provided
to RTGS customers making the transaction through Internet Banking
U- UNPROCESSED If posting failed then system will mark the status as ‘U’ unprocessed.
This could happen because of improper customer account.
J – REJECTED If the incoming RTGS message has invalid account number, the
system automatically rejects the message and the message is sent in
the R42 format to the sending bank. The status in this case is J -
REJECTED
On completion of the upload there will be a report in the PR menu option which will have all the successfully
uploaded records . A second report also available which shows all the records which could not be uploaded
successfully with the reason for not getting uploaded. Users have to download these reports, kept in the file,
for future reference
Reports of upload
The branches have to generate the following report at the end of the day. This report gives almost all the
fields of the RTGS outward messages sent on a particular day.
RTGSPNB/15B - RTGS - Outward Messages Report account wise - Pipe Separated with Beneficiary
Name and INFO
The records of only S status are to be given to the customers for their record. The failed and processed
transactions will be credited back to the customer’s account the next day which need to be sent again.
The above report is pipe separated report.
• Right click on the file to be converted and select open with excel
• Click on the column header A then on Data tab and then on Text to Columns button.
• Click on Next btton on the dialog box.
• Check Other Check Box and type | (pipe) in the adjoining box then click Next
• Click on BENEF_ACCT and then click on Text.
Zonal Training Centre Dehradun [282]
• Click Finish.
IMPORTANT
At end of the day, cross check Customer’s hardcopy of RTGS sheets with the RTGSPNB 15B report and
ensure that all messages have been sent according to the hardcopy.
On the next day, generate PNBRPT 9/92 in MIS server for the previous working day which will give all the
credit entries of an account. Check for any RTGS messages returned by other banks and if there are any
returns, intimate the customer along with the reasons for return.
In the case of RTGS return, the transaction will be like “RTGS-RETURN-PUNBH14015080666-SHRI SALAS-R08
ACCOUNT”. To know the reason for return, explode the transaction, note down the inward UTR No in the
REMARKS field inquire in HRTGS menu.
Branches can generate the following reports from MIS server for getting complete details of inward and
outward transactions of RTGS messages for a range of dates.
1. The branch user selects the HRTGS menu option and selects the Paysys ID as ‘NEFT’ and
Message type as ‘N06’ and enters the relevant data. This includes the information filled in
application form and the IFSC code as provided by the customer. The message is now in ‘ENTERED’
state.
2. On posting of the transaction the customer account is debited and a message is generated and
sent to QPH middleware server at HO ITD. This changes the status of the transaction as ‘READY’
for transmitting and is in queue. Thereafter, messages pass through the QPH server.
3. The N06 message generated from the branch that receives a funds transfer request from their
customer to a customer in different bank. All the N06 messages are to be sent to the NEFT
Server of the bank.
4. On transmitting the message to the QPH middleware server at ours, the message status will be
updated to ‘T’ – TRANSMITTED. QPH middleware servers processes the messages received
from CBS & sends them to NEFT servers for outward transmission to RBI.
5. The NEFT Server consolidates the NEFT messages received from all its branches and prepares
consolidated NEFT messages on regular basis and sends the same to the RBI NEFT centre. If the
response from the RBI NEFT centre is success, the status of the message is unchanged. If it is
returned by the beneficiary bank, the status changes to ‘C’. The status can be known inquiring
about the transaction in the HRTGS menu.
6. The unique number generated by the system for a given N06 shall be Paysys Tran. Ref. No.
displayed on HRTGS first screen, which can be given to the customer for any query with the
beneficiary bank.
7. As per RBI guidelines, destination banks may afford credit to the beneficiary’s
account based solely on the account number as furnished by remitter / originating
bank in the message/ data file. The responsibility to provide correct inputs in the
payment instructions, particularly the beneficiary account number information, rests
with the remitter / originator. Hence, utmost care should be exercised while punching/
verifying the Beneficiary account Number.
The following accounting entries are passed by system for outward payments initiated
by branch:
Debit: Customer’s Account
Credit: NEFT sol-wise outward Settlement Account (<Sol-id>3211402D)
in order to facilitate cash remittances through NEFT less than Rs. 50,000/- for persons who are not
having account with the originating bank, the originating banks are required to collect the full details of
remitters, including complete address and telephone number, etc., in order to comply with the Wire
Transfer Guidelines. These details need to be keyed in the Sender’s details field provided in NEFT outward
debit message with transaction code 50 for identification.
Request for remittance of funds through NEFT/RTGS for credit to account maintained with other
banks is generally lodged at the account maintaining branch. Where a cheque is tendered at
‘Service SOL’ with the application for remittance of funds through NEFT/RTGS, such applications
would be examined by the Incumbent In-charge. While permitting the transaction he / she would
exercise DUE DILIGENCE and ensure that necessary procedural steps (e.g. using UV Lamp /
contacting account holder over registered Mobile Telephone Number, etc.) are taken to his / her
satisfaction to guard against any fraudulent activity.
Outward NEFT payments may also be initiated by customers themselves through Internet
Banking Services (IBS). The following accounting entry is passed by system for outward NEFT I
nitiated by customer through IBS:
Debit: Customer’s Account Credit: NEFT Outward (IBS) Settlement Account (0062003211402C)
At the time of central EOD:
Debit: NEFT Outward (IBS) Settlement Account (0062003211402C)
Credit: NEFT Settlement Account (0062003211402)
After successfully crediting the beneficiary account, the beneficiary bank sends Credit
Acknowledgement messages [N10 message] indicating “credited to customer’s account” to the
originating bank through its NEFT Service Centre. The bank, after receiving the positive
confirmation message from the beneficiary bank, initiates a mobile SMS to the originator to
convey the fate of the transaction. The SMS is sent at the Mobile Number registered in Finacle in
remitting customer’s account, for SMS alerts.
The N06 messages that are received by the NEFT application at the service center can be
rejected/rescheduled for various reasons such as:-
(i) From other bank (N02 Reject)
Inward rejection received from other banks i.e. System has received rejection message N02
(Reject) for the outgoing N06 transaction. System will reverse the transaction (by default reversal
will happen) and the system will update the corresponding N06 record message status from ‘T’-
TRANSMITTED to ‘C’-Rejection Received. Hence in HRTGS if for a given outgoing message N06
status is ‘C’ then it indicates that this payment has not been settled at beneficiary bank.
1. Whenever a message is received at the SFMS server for crediting a customer account it is
forwarded to the CBS. All inward messages are handled by CBS automatically other than
in case of exceptions (failed messages) requiring manual intervention (NIRS/PIRP Menu)
at NEFT/RTGS Cell, PNB House Mumbai.
2. The CBS would search for the requested customer account number with the mentioned
customer account number. In case of a valid message the beneficiary customer account
is credited. As per RBI guidelines, credit to the beneficiary’s account is being
afforded based solely on the account number furnished by remitter /
originating bank in the message / data file. When the posting of the transaction
happen, the status of the message becomes ‘P’ (processed). If posting to any
customer’s account in CBS fails, the status will be ‘U’-Unprocessed. After running menu
NIRS (by PNB House, Mumbai), the status U Unprocessed is changed to X Rejected.
As per RBI Guidelines, “In the event of any delay or loss on account of error, negligence or fraud
on the part of an employee of the destination bank in the completion of funds transfer pursuant
to receipt of payment instruction by the destination bank leading to delayed payment to the
beneficiary, the destination bank shall pay compensation at current RBI LAF Repo Rate plus two
percent (Repo rate + 2%) for the period of delay. In the event of delay in return of the funds
transfer instruction for any reason whatsoever, the destination bank shall refund that amount
together with interest at the RBI LAF Repo Rate plus two percent (Repo rate + 2%) till the date
of refund.”
The system has been customized accordingly to automatically calculate and pay penal interest to beneficiary
accounts for delayed credits of NEFT payments.
i) Account “<sol_id>1031306 - Penal Interest Paid on delayed NEFT” has been opened at all the
branches for the purpose of paying penalty. A Batch job at Begin-of-Day identifies the delayed
credits of one day previous to current date.
ii) Branches have to run menu option “PENALT”, which will create transactions for the
entriespending for penalty payment for that branch. The beneficiary account will be credited by
debiting “<sol_id>1031306 - Penal Interest Paid on delayed NEFT”.
iii) The system will not allow the branch to execute “ABH” if there are pending entries for penalty
The following reports have been made available in CBS:
1. NEFTPNB 17: for generating report of “NEFT - Penalty Interest Payment Pending
(sol-wise)”
2. NEFTPNB 17A: for generating report of “NEFT - Penalty Interest Paid for a Particular
Date (sol-wise)”
The user can upload the NEFT bulk transaction file using the PCUNIX and RTGSBULK menu options in CBS.
1. This upload is for the following three outward messages:
Zonal Training Centre Dehradun [285]
R41 – RTGS customer transactions.
N06 – NEFT customer transactions.
2. Only trial and entry mode are made available.
3. Upload shall make NEFT transactions in the ENTERED STATE. User has to verify each
transaction through HRTGS menu or through HRTGSV menu in lots of 50 transactions.
4. TIME WINDOW available for Upload is One hour before stipulated time set by RBI
5. The maximum number of messages to be uploaded in a single upload file is restricted to
250.
6. Handling of special characters, closed accounts, frozen accounts, restriction of sending of
message to other PNB branches is taken care of by the system.
7. System changes the name of the file which is uploaded. For this, a field ‘Rename input file’
is provided in the RTGSBULK menu option. The value in this field is to be ‘N’ when upload
is done in trial mode and ‘Y’ when upload is done for actual mode. This prevents
duplicate upload of the file in the system.
8. UPLOAD PROCEDURE:
PROCESS FLOW
HRTGS menu option is used for making NEFT payments requested by the customer (N06).
User can Invoke menu option ‘HRTGS’.
1. ‘Function’ field - The user can give inputs of ‘A’ for Add, ‘I’ for Inquiry, ‘M’ – for modification, ‘V’- for
verification and ‘X’- for Cancellation
2. ‘Tran. Type’ - ‘C’- for Cash & ‘T’ for transfer type of transactions.
3. ‘Sol ID’ - The sol_id will be populated automatically in ‘Add’ mode.
4. ‘Paysys ID - For NEFT the reference code will be ‘NEFT’
5. ‘Message Type’ - The message type will be ‘N06’.
The other fields ‘UTR’, ‘Tran ID’, ‘Tran Date’, ‘Paysys Tran. Ref. No.’ may be used for Inquiring,
modifying, Verifying and Canceling of transaction. Cancellation of transaction can be done before verification
of transaction only.
In the next Screen the ‘Message Status’, ‘Reject Reason Code’,’ Rejection Reason’ field is protected. It is
advisable to fill the fields, which appears with ‘Red Star’ where default values are not populated.
1. Message Priority - The message priority should be in between of 12-99. There is no need to
change the message priority which is default populated.
2. Value Date - Value date should be the BOD date.
Zonal Training Centre Dehradun [287]
Dr. A/c Id - In case of transfer the user has to give the dr. a/c id.
Cr. A/c ID - System will automatically pick the ‘NEFT Settlement A/c – ‘0062003211402D’ in all
types of transaction.
3. Tran Amount - The user has to input the transaction amount in this field .
4. Charge Event Id - This will automatically populated (NEFTN06)
5. Charge A/c Id - The account number from which charges are to be levied is required here.
Please note that if tran_type is ‘C’ – Cash, than charge A/c id must be cash in
hand in India a/c of home sol.
6. Instmnt Type - If the customer is making the payment through a cheque (CHQ), then only user
have to select cheque from the popup window. Instmnt no. and date also to be
filled in this case . If it is a normal transfer transaction there is no need to fill
anything in these fields.
7. Tran . Particular ( Non mandatory) field Receiver’ Bank/Branch Code’ should be filled by the User.
The help to know the Bank/Branch code is available in menu option IFSCI. User
has to fill all the mandatory fields. Here ordering customer name and address will
be automatically displayed by the system, but user have to check for the
existence of any special character before going for submit.
Sender to receiver information :- This field is having line no. 1 to 6 for User to give information regarding
the transaction. The Sender to Receiver information should be written as per the following format :-
In any line total no. of characters should not go beyond 35 and also any of the special characters should not
be present. Even if any such character is present at the time of submit system will give error message. So
users have to remove those characters. After entering all the information the user may press “Submit” button
to get “Paysys Tran Ref No.” which should be noted for verification.
VERIFICATION -
Use menu option “HRTGS” by other Users by feeding the Paysys Tran Ref. No. in the last field.
NEFT commission shall be credited to a/c no.” <sol_id> 2031603” (Income- Commission on NEFT) for
customer transactions.
The UTR no. is generated as and when the entry part has been done, but the system shows only Paysys tran
ref. No. To know UTR no., user may use inquiry mode, GIVE PAYSYS TRAN REF. NO. and view the
particular transaction in HRTGS, Or at the time of verification the Utr No. is shown by the system at the top
right of the screen.
The tran_id is generated after the verification of the transaction only. The user may get the tran id (only after
verification) through inquiry mode after giving the paysys tran ref no. The Tran_id and UTR no. may be noted
by the user in the voucher for future reference of the transaction.
HELPDESK
Branches can seek help with regard to any outward/inward messages through following mail
IDs.
neft@pnb.co.in
rtgs@pnb.co.in