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OUTWARD CLEARING
 OUTWARD CLEARING OVERVIEW
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HDFC
335 CAN
600 – GUJ 450
013 - BRC 600 – GUJ
011 - BRC

600502001
RBI

Customer of SYND gives a cheque to

a customer of HDFC. The routing SYND
number of cheque is 600502001.
HDFC sends this cheque for clearing 502
to clearing house (RBI in this case). 600 – GUJ
Based on the routing number RBI
decides, to which bank this 001 – BRC
instrument belongs to SYND. Once
SYND honors this instrument money
flows from SYND to RBI to HDFC to
Customer of HDFC (Dotted Line) 600502001

600502001
Customer or SYND gives a cheque to HDFC Customer
 PROCESS FLOW
i -flex solutions ltd.
GLOBAL
DEFINITIONS

DATA ENTRY

LATE
CLEARING

Related OUTWARD
Processes CLEARING

VALUE DATE
CLEARING
 GLOBAL DEFINITIONS
SETTLEMENT BANK PARAMETERS (STM59) i -flex solutions ltd.

Table -- ST_BANK_PARAMS

Through this maintenance the bank maintains the

following important parameters.
• Different GLs (eg. Interbranch, CFC)
• Routing Number Mask
• Stale Period
• Default OC type
• Force Debit Flag
• GL Account Mask
 GLOBAL DEFINITIONS
CLEARING TYPE MAINTENANCE (STM64) i -flex solutions ltd.

Table -- ST_CLG_TYPES

Through this maintenance the bank can maintain the

different clearing types. Clearing types are used to
distinguish/classify the cheques that come for clearing. In
India mostly the clearing types are based on the Clearing
House Sessions (time period during which it will accept the
cheques from banks)

• Clearing Type
• Description for each Clearing Type
 GLOBAL DEFINITIONS
ENDPOINT MASTER (BAM29) i -flex solutions ltd.

Table -- BA_ENDPOINT_MASTER

This maintenance is used to maintain the following

parameters:
• Define Endpoints(6000,8000)
• CFC GL
• Correspondent Bank Flag
 GLOBAL DEFINITIONS
ACH BRANCH - XREF (STM60)
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Table -- ST_ACH_BRN_XREF

This maintenance is used to maintain the following

parameters:
• Branch Code
• ACH Branch Code
• ACH Sector Code

For every Bank and respective branches, the

clearing house will assign the Bank and Branch
Code which are used in formulating the routing
number.
 GLOBAL DEFINITIONS
ROUTING BRANCH MAINTENANCE (STM54)
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Table – ST_ROUTING_BRANCH

This maintenance is used to maintain the following

parameters sector wise:
• Bank Code
• Branch Code
• Name of the Branch

This table stores the codes assigned to other banks

and respective branches by the clearing houses in
different sectors. The values from this table are
used to validate the routing number on the cheques
of other banks.
 GLOBAL DEFINITIONS
CLEARING BRANCH - XREF (STM50)
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B1 B3
One Clearing Branch for all
branches. The process of OC will
run only in the centralized clearing
branch and all the GL entries will
B2 CLG be passed by this branch –
Centralized Setup
BRN
B4

B11 B12
In this setup, all branches can act
as clearing branches and OC is run
on the respective branches with GL
entries being passed by these
branches – Decentralized Setup

B13

ST_CLGBRN_XREF -- table
 GLOBAL DEFINITIONS
ENDPOINT FLOAT (STM50)
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Table -- BA_ENDPOINT_FLOAT

Key Fields Routing No.

600502001
• Originating Sector
• Destination Sector • Dest. Sector - 600
• Dest. Bank - 502
• Destination Bank • Org. Sector - 600
• OC Type - 2
• Outward Clearing Type
• Bank & Customer Float Days Based on these
• Flag Post
Values The float
days will be
determined from
ba_endpoint_float
 GLOBAL DEFINITIONS
ENDPOINT CALENDAR (BAM27)
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Based on Endpoint – Dest. Bank – Clearing type

Bank Value Date is Calculated
Deposit Date: 18/Jan/2005
Sector: 600
Dest. Bank: 502
Endpoint
OC Type: MICR
Float
Bank Float: 2
------------------------------------------
Bank Value Date: 20/Jan/2005 ( This date should be Common Working day
for the branch and Clearing House)

Customer Float: 3
Customer Value Date: 21/Jan/2005 (20/Jan/2005 + 3 – 2)
(If this date is a holiday for the bank then
next working day is considered)

(Endpoint Calendar + Clearing Branch Calendar)

used to determine the common working days

BA_ENDPOINT_CLDR -- table
 GLOBAL DEFINITIONS
Table – ST_IC_OC_TYPE_XREF i -flex solutions ltd.

This table is used for deciding the mapping between

the Outward Clearing and Inward Clearing Types. Any
instrument coming for Inward clearing and gets
rejected will be processed through outward clearing.
This table will decide which outward clearing type will
the inward instrument be processed if it is rejected.

While entering an inward clearing batch we can specify

the inward clearing type for that batch. This is mapped
against an outward clearing type in this table. The
rejected instruments are processed in OC under the
respective OC type.

If the mapping is not there, then default OC type is

picked up from ST_BANK_PARAMS
 DATA ENTRY
CASA
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6501 – Single Cheque Deposit
5506 – OC Batch Data Entry
6511 – Consolidated Cheques Deposit
6512 – Instrument Details for 6511
6601 – PostDated Cheque Deposit

LOANS
6530 – Installment Payment by Cheque
6532 – Partial Payoff by Cheque
6536 – Advance Payment by Cheque

TD
1356 – TD Payin

GL
6520 – Cheque Deposit on GL

** Only for transactions 5506 and 6512 can multiple

cheque entries can be made. All other transactions
expect only single cheque details.
 DATA ENTRY
6501 – CASA Cheque Deposit i -flex solutions ltd.
• Single Cheque Deposit
• BOW Transaction
• Updates the Unclear Balance
GL Entries are passed during OC.

Tables Affected
HOST BRANCH
Xf_ol_st_chq_deposits Rec_txnlog
Ch_acct_mast
Ch_nobook
 DATA ENTRY
5506 – OC Batch Data Entry i -flex solutions ltd.

• No GL Entries Passed, only recording of data

• Tables Affected:
HOST BRANCH

OUTWARD_CHQS_DATA BR_OUTWARD_CHQS_DATA
ST_OC_BRN_HANDOFF

6511 - 6512 -- Consolidated Cheque Deposits

• Tables Affected:
HOST BRANCH
CONSOL_CHQS_DATA BR_CONSOL_CHQS_DATA
ST_OC_BRN_HANDOFF BR_CONSOLIDATED_CHEQUES
 DATA ENTRY
i -flex solutions ltd.
For LOANS and TD transactions involving
cheque deposits, a row is inserted into
XF_OL_ST_CHQ_DEPOSITS

These instruments will be picked up when

the Outward Clearing process is run. For the
loans and TD transactions (6530,6532,6536
and 1356) only single cheque details can be
entered.
 LATE CLEARING (Clearing Type Cutoff)
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STM63 – For Branches that are offline or
cannot do late clearing
7120 – Every branch will have to do its own
late clearing
The tables affected are:
BR_LATE_CLG – Branch
XF_OL_ST_LATE_CLG – Host

Late clearing is mandatory for OC to be run. If

Late clearing is not run for a particular clearing
type, then OC for that clearing type will not be
allowed to run. Late clearing is used for
determining the posting date of the cheques that
are received on a particular day for a clearing
type.
 OUTWARD CLEARING(ST023)
Validation and Inward Rejects Processing i -flex solutions ltd.

- updates unclear for CASA

AP_ST_OC_PREPROC - CH_NOBOOK
- inserts into ST_OUTWARD_TEMP
- updates XF_OL_ST_CHQ_DEPOSITS

- Inserts in ST_CLRREG
AP_ST_PROC_BROP_TXN - Inserts in XF_STCAP_GL_TXNS
- Inserts in XF_ST_CAP_INPUT_TXNS

GL Entries – Centralized GL Entries – DeCentralized

Dr Endpoint Dr Endpoint
Cr Interbranch/CFC Cr CFC
------------------------------
Dr Interbranch
Cr CFC

GL Entries will be passed by the Clearing Branch

 VALUE DATE CLEARING
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ST001 – For user Initiated VDC
Runs during BOD if not user Initiated
(BOD_VALUE_DATE_CLRG – ba_site.h)

AP_ST_VAL_DT_CLRG
- updates ST_CLRREG (flg_credit, dat_clr_effect)
- updates CH_ACCT_MAST, LN_ACCT_DTLS,
TD_DEP_MAST
- updates XF_ST_CAP_INPUT_TXN (flg_credit)

GL Entries – Centralized GL Entries – DeCentralized

Dr CFC Dr CFC
Cr CASA/LOANS/TD Cr CASA/LOANS/TD

These entries are passed during the End of Day (transaction

posting) processing by the respective modules.
 IMPORTANT TABLES
i -flex solutions ltd.
XF_OL_ST_CHQ_DEPOSITS – Contains entries for the
cheques that have been deposited for TD payin or Loan transactions.
These cheques will be picked up during the OC.

ST_CLRREG – This table contains the entries of the cheques

who have been sent for clearing or OC has been run. The important
fields of this table are:
flg_credit – If VDC has been run for the cheque, then the value of
this field is Y. Else the value is N
dat_clr_effect – The date and time on which VDC has been run or
the cheque has been cleared
dat_value_cust – The customer value date
cod_clr_response – If the particular instrument (cheque) has been
returned or not (0 – not returned, 2 – returned)
 RELATED PROCESSES
i -flex solutions ltd.
• ST060 – Immediate Credit
(The customer account gets credited immediately, and
the value date in st_clrreg gets changed to the current
date of the system. The date clearing effect and
flg_credit are also updated)

• STO72 – Global Float Extension

• Bank Level or Endpoint Level
• dat_value_cust in ST_CLRREG gets
changed according to the float extended.

• ST061 – Float Extension

• Instrument Level

Float extension is done so that the value date of the customer can
be extended. This is done under various circumstances like natural
disasters which affect the clearing process, hence the value date
has to be extended.