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Note' The message 2,'N02 is recei:ed from R"% after the netting *rocess is com*leted. The
message is sent to the beneficiary ban>3s ser:ice center from &here it reaches the final
beneficiary branch. The branch that initiates the out&ard debit )2,'N06+ or return transaction
)2,'N0+ &ould not recei:e any message if the messages &ere acce*ted at R"%. The beneficiary
ban> &ill recei:e only 2,'N02 message irres*ecti:e of the debiting ban> is sending a 2,'N06 or
2,'N0 message. The only difference bet&een a 2,'N02 recei:ed for a 2,'N06 or 2,'N0
message is *resence of fields 2006)Related Reference Number+ 6#6 )reason code+ and 666
)Re;ection Reason+ in a 2,'N02 message that is recei:ed because of a return transaction
)2,'N0+.
Note' The 2,'N06 message is the first message to initiate an N?4T transaction. %t is generated
from the branch that recei:es a funds transfer request from their customer to a customer in
different ban>. ll the 2,'N06 messages are to be sent to the ser:ice center branch of the ban>.
t the ser:ice center ban> the N?4T a**lication &ill consolidate the indi:idual transactions from
the branches into a bigger message of 10 loo*s and sends the message to R"% N?4T center by
allocating the next a:ailable batch. %f the batch time is s*ecified by the branch in the 2,'N06
message then the message &ill be released to R"% to settle in the batch s*ecified.
The 2,'N06 messages that are recei:ed by the N?4T a**lication at the ser:ice center can be
re;ected8rescheduled for :arious reasons. The N?4T a**lication in this case &ould release a
2,'N0, message to the branch that initiates the transaction. The ban>s ha:e to ta>e care that the
core ban>ing a**lication does not re;ect the transaction that recei:e a 2,'N0, message &ith a
reschedule reason code.
The reason codes that are used for rescheduling at the "an>3s ser:ice center areG
101 D Cate arri:al at -5 )This re;ection is recei:ed &hen a transaction is recei:ed by the ser:ice
center branch after the batch time s*ecified in the 2,'N06 message.+
10 D East =alue <ate
10' D Boliday at -er:ice 5enter
Note' 2,'N0 message is released to re;ect a 2,'N02 message that is recei:ed by the ban>
branch from R"% and could not a**ly the funds because of :arious reasons gi:en belo&G
The 2,'N0 message is sent to the ser:ice center branch &here it is consolidated in multi*le
loo*s and then released to R"% N?4T center. s ex*lained for the 2,'N06 message a 2,'N0
message can also be re;ected or rescheduled at the ser:ice center branch and the ban> has to
ta>e care not to re;ect the transaction that is re;ected &ith a reschedule reason code. The same
reason codes as s*ecified in the 2,'N06 message are the reschedule reason codes.
NoteG ll the fields &ill be *o*ulated by the system &hile creating the 2,'N0 message using the
Return Mar>ing functionality of -4M-. The user ;ust needs to select the re;ection code for the
returning a transaction.
2,'N10 message is released to confirm that the amount in 2,'N02 message that is recei:ed
by the beneficiary ban> branch from R"% is credited to customer. The 2,'N10 message is sent to
the beneficiary ser:ice center &here it is consolidated in multi*le loo*s and then released to R"%
N?4T center. "an> &ise segregation of N10 messages &ill be done at R"% and N10 messages
are sent to the res*ecti:e -ender "an> ser:ice centers and subsequently to the actual N06
sender branch.
NoteG ll the fields &ill be *o*ulated by the system &hile creating the 2,'N10 message using the
5redit 5onfirmation functionality of -4M-. The user ;ust needs to select the transaction to be
credit confirmed.
Note: 8 2(N0 message is recei5ed by the sending ban; ser5ice center and in turn by
the sending branch if a 2(N06 or 2(N0 message is re'ected or rescheduled at R"%
N<T center. The field 2006 &ill ha5e the transaction reference of the 2(N06 or
2(N0 message that is re'ected or rescheduled. The reason for re'ection or rescheduling
is s*ecified in the field 6#6 and 666. %n case of reschedule the transaction is still li5e at
R"% but it is 'ust an information bac; to the sending ban; that the message could not be
settled in the batch or 5alue date s*ecified in the outgoing message from the ban;. The
ban;s ha5e to ta;e care that they do not re'ect their transactions in their core ban;ing
a**lications on recei*t of a N0 message &ith a reschedule reason code.
The reason codes that are used for rescheduling at R"% N<T center are=
Ty*e
M 6061 "eneficiary !x Recei5ing customer
ustomer account number
8ccount
Number
M 60(1 "eneficiary !0x Recei5ing customer/s
ustomer account name
8ccount
Name
3 !!6! "eneficiary #7!x "eneficiary customer
ustomer address
8ddress
M #0( 8mount 1d 9alue of the remittance
M (0 9alue :ate ($n :ate on &hich settlement
ta;es *lace
M ! Remittance ($n :ate on &hich the sender
:ate branch initiated the
remittance
3 (1 3riginal ($n 3riginal settlement date
5alue date for &hich the transaction
&as initiated
M 6#6 Reason $x Re'ection code
ode
M 666 Re'ection !0x :escri*tion of the reason
Reason for re'ection
3 #! ,ender to 67!x Remittance %nformation
Recei5er from sender to customer
%nformation
Re*eating -rou* <nds
Note: 8s stated abo5e for 2(N06 and 2(N0 messagesD this message is sent by the
N<T ser5ice center branch of the ban; if an out&ard debit or return transaction message
is re'ected or rescheduled at N<T ser5ice center. The field 2006 &ill ha5e the
transaction reference of the 2(N06 or 2(N0 message that is re'ected or rescheduled.
The fields 6#6 and 666 &ill s*ecify the reason code and re'ection reason for re'ection
or rescheduling of the transaction.
The reason codes that are used for rescheduling at the "an;/s ser5ice center are=
101 > Aate arri5al at , )This re'ection is recei5ed &hen a transaction is recei5ed by the
ser5ice center branch after the batch time s*ecified in the 2(N06 message.+
10 > @ast 9alue :ate
10( > ?oliday at ,er5ice enter
The ban;s ha5e to ta;e care that the core ban;ing a**lication does not re'ect the
transaction that recei5e a 2(N0 message &ith a reschedule reason code.
recei5ed for
the
ban;4branch
M ##10 ,um 8mt of 1d Total amount of %n&ard
the in&ard redits recei5ed for the
credits ban;4branch
recei5ed
M !0# No of Return (n Total No. of Return
Txns recei5ed transactions recei5ed for the
for the ban; ban; or branch.
or branch
M ##60 ,um 8mt of 1d Total amount of Return
the return transactions recei5ed for the
Txns ban;4branch
recei5ed
Note: The <nd of :ay message )2(N0#+ is sent after the last batch is settled at R"%. %t
gi5es the details about all the messages that are sent by the ban;/s ser5ice center branch
to R"% and the number and amount of the messages that are acce*ted or re'ected. Ehen
the message is recei5ed at the ban;/s ser5ice centerD the ser5ice center &ill release an
<3: message to all the branches that ha5e initiated the N<T messages for the day &ith
the count and amount of acce*ted and re'ected messages along &ith total message count
and amount.
The <nd of "atch Message is sent after each batch exce*t the last batch of the day. %.e. %f
there are batches in a day. <.g. 100D 1200D 1600 then an End of Batch Message is
recei5ed for batches 100 and 1200. 8nd End of Day message is recei5ed after 1600.
There &on/t be an End of Batch message for 1600 batch.