Finacle User Guide IDBI

FINACLE User Guide

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IMPORTANT FUNCTION KEYS Physical Key F1

F2 F3

F4 F5 F6 F8 F9 F10

F11 F12 TAB ENTER CTRL+ CTRL+ CTRL+ CTRL+ CTRL+F1 CTRL+F3 CTRL+F4 CTRL+F8 CTRL+F9 CTRL+F11 CTRL+D CTRL+E

CTRL+F CTRL+J

What does it do? Field level help. Like in several word processors and spreadsheet packages, F1 displays context sensitive help messages and field level help messages. List. This key lists the codes that may be used in a particular field. Quit/ Back. Quits and takes the user back to where he started when in action. It can be used when the input is incorrect and the user wants to abandon what he has been doing. It can also be used to go back to the previous menu. Accept. After the user has completed the input, this key can be used to accept the data. Background Menu Next Block Copy Record Display Signature Commit/ Save. This is very important key and this concludes the transactions. This is the commit and transactions get into the General Ledger (database) when this key is used. Next field Previous Block Go to next valid field Go to the next field Next record Previous record Scroll left Scroll right Help maintenance Show key map Display error Terminal lock Memo pad look up Context level help Page down on a list Explode. This key is particularly useful when in Inquiry Screen. E.g., when the user is in Customers Master Inquiry, he is shown the previous accounts of the customers. He can move the cursor to the account and press CTRL+E to take a brief look at the details of the chosen account. Clear field. This key combination can be used when the user wants to clear the field. Display cookie field

2

CTRL+K CTRL+T CTRL+U CTRL+X SHIFT+F1 SHIFT+F4 SHIFT+F11 SHIFT+TAB

Clear a set of field Display LGI. The user ID, Terminal ID, SOL, BOD date and language details are displayed. Page up on a list Put BOD date. This key combination populates the default BOD date in the field. Function key help Select the current item from the list. This key combination can be used to select a value from the list of valid values listed for a particular field. Transmit Go to the previous field

3

COMMONLY USED MENU OPTIONS Menu What is it used for? Option Customer Related CUMM CUMI CUS CUIR CUMP CUSTBALP

To create new customers records, modify customer record, verify customer record and inquiry related to customers Inquiry on customer record Inquiry on Customers based on selected criterion/ criteria Interest Certificate for customers Customer Master Print Balances for different accounts of a customer

Account Related OAAC OAACAU ACM ACLI ACCBAL INTTM CAAC CAACAU ACINT AITINQ TDSCALC ACMP AFSM PSP ACTODM ACTODI SPP SPPAU INQACHQ

For opening SB/CA/FD/Loan/OD accounts To verify account opened under OAAC Inquiry about the accounts Account ledger inquiry Account balances For changing the interest rate Closure of accounts Verification of closed accounts For running interest calculations Inquiry on interest in accounts For calculating the TDS Master print for accounts For freezing/ unfreezing the accounts Printing statement of accounts For granting TOD Inquiry on TOD in accounts To input stop payments To authorize stop payments Inquire on the basis of cheque number

Tax related TDSIP TDSREP

TDS reports TDS reports

Inventory Maintenance IMAUM IMC IMI ISI ISIA ICHB ICHBAU CHBM

Maintain authorized users for inventory Inventory movement between locations Inquiry on inventory Inventory split merge and inquiry for inventory held by self Inventory split, merge and inquiry for inventory held by others Issue of cheque books to customer accounts Verification of cheque books issued to customers Inquiries relating to cheque book maintenance

Transactions TM TI FTI

Putting through transactions Inquiry on specified transactions Inquiries for financial transactions

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TEI

Inquiry on exceptions in transactions

Clearing MCLZOH OCTM ICTM OIQ OPQ MARKPEND REVPEND MICZ

Opening/ regularization/ suspension of outward clearing zone Outward clearing transactions Inward clearing transactions Outward clearing transaction inquiry Inquiry on outward clearing part tran For marking pending some instruments For revoking MARKPEND Opening/ suspension/ validation/ closing of inward clearing zone

Demand Drafts/ Payorders DDPRNT DDLOST DDMI DDSM DDD DDII DDIC DDIP DDID

Printing DD/ PO Noting lost DD/ PO Mass issue of DD/PO Status of the DD/ PO Issuing Duplicate DD/ PO Inquiry on specific DD issued Inquiry on credits to DD account Inquiry on specific DD paid Inquiry on debits to DD account

Password Maintenance PAPW PWMNT

Protecting password Changing Password

OBC BM BI

Lodging/ verifying/ realizing OBC Inquiry on OBC

Standing Instructions SIM SIE CFLM SIETR SIRP SIADVC

Setting up standing instruction Execution of standing instructions Inquire/ delete/ carry forward standing instruction Standing instructions execution report Standing instructions report Standing instructions executed advice to the customer

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JOB CARD - CREATING CUSTOMER 1.0

Open a Customer ID

1.1 Go to Menu option and enter option CUMM

1. 2. 3. 4. 5. 6. 7.

1.2 Input details as mentioned below Function Customer Name Short Name Type A/c Manager Status Status as on

8. Group 9. Gender 10. Occupation 11. Non Resident 12. Constitution 13. Staff? 14. Staff No 15. Minor? 16. Bank code 17. Trade Finance Customer? 18. Nat ID Card no 19. Date of birth 20. Marital status 21. Introducer’s details– Customer ID 22. Name 23. Introducer Status

Enter ‘A’ and press F4 Enter customer name Enter short name Select from F2 Select from F2 Select from F2 Enter date at which status code changed Select from F2 Select from F1 Select from F2 Enter Y or N Select from F2 Enter Y or N Enter employee ID Enter Y or N Select from F2 Enter Y or N Skip Enter date of birth Enter Y if married else N Enter introducer’s customer ID Enter introducer’s name Select from F2

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24. Frequency for statement 1.3 Press F4

Enter the frequency of the statement

1.4 Input details as mentioned below 1. Communication Address 2. City/State/Country/Language Code 3. Phone/telex/Mobile/Fax No 4. Email Id 5. Swift Code 6. Is Swift Code Of Bank 7. Permanent Address 8. City/State/Country/Language Code 9. Phone/telex No 10. Nat Lang name

Enter communication address Select from F2 Enter No Enter Email Address Enter Swift Code Enter Y or N Enter permanent address Select from F2 Enter No Skip

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1.5 Press F6

1.6 Input details as mentioned below 1. Community/Caste/Health code/Customer Rating 2. As on 3. Cr Card Holder? 4. Card details 5. Customer preferential till date 6. Customer Tax Details 7. TDS Exempt end date 8. Tax slab 9. TDS customer ID

10. TDS exempt submission date 11. TDS exempt ref no 12. TDS remarks 13. PAN/GIR No

Select from F2 Enter date on which customer rating has been taken Enter Y or N Enter Credit card details Enter date till the customer is a preferential customer Enter the date till when the customer is exempted from TDS Enter TDSI for individuals/TDSC for Corporate clients/ NOTDS for NRI customers Enter the customer ID of other customer which needs to be clubbed with this customer for TDS eligibility purpose, leave it blank if not required Enter date on which TDS exempt certificate is submitted SKIP Enter remarks if any Enter PAN/GIR No

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1.7Press F6

1.8 Input details as mentioned below 1. 2. 3. 4. 5. 6. 7. 8. 9.

Customer financial details as on Fin yr end month Currency code Business assets Property assets Investments Net worth Deposits Limits with other banks/institutions 10. As on 11. Fund based 12. Non fund based 13. Charge turnover required 14. Charge code 15. Charge debit a/c 16. Sol ID 17. Manager’s opinion 18. TOD’s allowed

Enter Enter Enter Enter Enter Enter Enter Enter Enter

the date the month currency code amount amount amount amount amount limits

Enter date Enter amount Enter amount Enter Y or N Select from F2 Enter a/c no Enter SOL ID Enter opinion Skip

1.9 Press F6

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1.10 Input details as mentioned below 1. 2. 3. 4. 5. 6.

Passport Issue date Passport details Expiry date Purge allowed Purge remarks

Enter Enter Enter Enter Enter SKIP

passport number date of issue passport details expiry date N

(This screen is mandatory for NRI customers)

1.11 Press F6

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1.12 Input details as mentioned below Free Text

Enter Free Text, any relevant particulars that you wish to input e.g., customer’s nick name etc

1.13 Press F6

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The first screen will appear, type ‘E’ in ENTER OPTION and press F4. The following screen will appear -

1.14 Type INR and press CTRL+E to explode. The following screen will appear –

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1.15 Input details as mentioned below 1. 2. 3. 4.

With holding tax Floor limit for with holding tax Customer preferential %(Cr) Customer Preferential %(Dr) 1.16 Press F4

Enter 33 for NRI customers else 0 SKIP Enter pref. Interest if required. Enter pref. Interest if required

If customer is minor enter option M and press F4.The following screen will appear –

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1.17 Input the details as mentioned below 1. 2. 3. 4. 5.

Date of birth Attains majority on Guardian Address City/State/Country

Enter DOB of minor Comes by default Enter guardian name Enter Address of guardian Select from F2

1.18 Press F4

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If the customer is a trade finance customer, enter option T and the following screen will appear

1.19 Input the details as mentioned below 1. Name 2. Address 3. City 4. Telephone/fax/telex no 5. Code given by central bank 6. Code given by trade authority 7. Exp/Imp? 8. Native 9. Review date 10. SSI? 11. 100% EOU 12. Status 13. Party constitution 14. Special party? 15. Party type 16. Production cycle

Comes by default Enter address Select from F2 Enter no. Enter code Enter code Select from F1 Comes by default (can be changed) Enter date Enter Y else N Enter Y if 100% EOU Select from F1 Select from F2 Enter Y or N Select from F2 Comes by default

1.20 1.21

Press F4 Press F10 to commit

1.22

Customer ID will be generated and displayed on the screen.

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Note down customer ID on the Account Opening Form and send the forms for verification.

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2.0

Verification of Customer ID

2.1Go to Option - CUMM

2.2 Input details as mentioned below 1. Function 2. Customer ID

Enter ‘V’ Enter customer ID

Press F4. Press F6 six times to visit all the screens and verify details with the AOF. On returning to the first screen press F4 Go to option E to verify currency details. For Minor customers go to option M to verify minor’s details. For Trade finance customers go to option T to verify Trade finance details. Press F10 to commit. The customer record stands verified.

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SCHEME CODES

S

SCHEME

DESCRIPTION

No. 1 2 3 4 5 6 7 8 9 10

CODE SAVINGS BANK RSEFC RSGEN RSMCP RSNRE RSNRO RSNRS RSQ22 RSRFC RSSTF CSGEN

1 2 3 4 5 6 7 8 9 10 11 12 13

CURRENT ACCOUNTS RCEFC RCGEN RCNRE RCNRO RCNRS RCSMC RCSPL RCSTF CCEFC CCESC CCNPL CCQ22 CCSPL

GL CODES

SAVINGS RETAIL EEFC SAVINGS RETAIL GENERAL SAVINGS RATAIL MONEYCORP SAVINGS RETAIL NRE SAVINGS RETAIL NRO SAVINGS RETAIL NRSR SAVINGS RETAIL QA 22 SAVINGS RETAIL RFC SAVINGS RETAIL STAFF CORPORATE SAVINGS GENERAL

10400 10400 10400 10400 10400 10400 10400 10400 10400 10450

CURRENT CURRENT CURRENT CURRENT CURRENT CURRENT CURRENT CURRENT CURRENT CURRENT CURRENT CURRENT CURRENT

10200 10200 10200 10200 10200 10200 10200 10200 10300 10300 10300 10300 10300

RETAIL EEFC RETAIL GENERAL RETAIL NRE RETAIL NRO RETAIL NRSR RETAIL SMART CARD RETAIL SPECIAL RETAIL STAFF CORPORATE EEFC CORPORATE ESCROW CORPORATE NON PERSONAL CORPORATE QA 22 CORPORATE SPECIAL

JOB CARD - SAVINGS ACCOUNT 1.0

Open a Saving Account

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1.1 Go to Menu option and enter option OAAC

1.2 Input details as mentioned below 1. 2. 3. 4. 5. 6. 7.

Function Customer ID Currency code GL subhead code Scheme code Permanent a/c no Copy account no

‘O’ - Comes by default Enter customer ID INR – comes by default Skip Select from F2 . Skip Skip

1.3 Press F4

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1.4 Input details as mentioned below 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14.

Acct name Acct short Name Account Open date Special charge code Mode of Operation Location code Account manager Cash/clg/trn Exception limit Account report code Ledger No Collect Charges Turnover details Relative to staff Relative staff ID

15.

Remarks

Comes by default Comes by default Comes by default Skip E or S etc select from F2 Skip Skip Comes by default Comes by default Skip Comes by default Comes by default If a relative of staff put “Y” If above flag “Y’ enter employee ID of the related staff Additional information, if any

1.5 Press F6

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1.6 Input details as mentioned below 1. Passbook/Statement 2. Frequency for Statement

3. 4. 5. 6. 7. 8. 9.

Local calendar Dispatch Mode Next print date Freeze code & Freeze reason Pay interest Collect interest Customer Preferential Interest (Cr.) 10. Account Preferential Interest (Cr.) 11. Interest Cr A/c flag 12. Interest credit account No 13. Interest rate code 14. Account Pegged 15. Customer Preferential Interest (Dr.) 16. Account Preferential Interest (Dr.) 17. Interest debit flag

Enter P for Passbook & S for Statement Enter Q=Quarterly, 1=1st date of the month, N=if 1st is a holiday, it goes to the next day. Enter N Skip Comes by default Skip Comes by default Comes by default Skip Skip Enter S Skip Comes by default Comes by default Skip Skip Enter S

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1.7 Press F6

1.8 Input details as mentioned below 1. 2. 3. 4. 5. 6. 7. 8. 9.

Contact Phone No DDA maintenance Interest Calc Freq Cr. Next interest calc date Cr. Interest Calc Freq Dr. Next interest calc date Dr. TDS Operative a/c Language Code Name in lang code

Enter Tel no Skip Skip Skip Skip Skip Skip Skip Skip

1.9 Press F4 and enter S in the Enter Option field to go the scheme details -

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1.10

Input details as mentioned below -

1. Cheque Allowed 2. Availing Nomination Facility 3. With holding tax borne by

Comes by default Enter ‘Y’ or ‘N’ as required Enter P for NRO a/cs else skip

(Rest of the other fields is not to be entered) 1.11

Press F4

1.12 If you have entered Y in the field “Availing Nomination facility” then go to option ‘N’. The following screen will appear –

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1.13 1. 2. 3. 4. 5. 6. 7. 8. 9.

Input details as mentioned below Nominee’s Name Relationship Address Reg No. City Code State code Country Code Nominee Minor? Guardian’s Name

10. Address 11. City Code 12. State code 13. Country code 1.14

Enter nominee’s name Select from F2 Enter nominee’s address Will be generated by the system Select from F2 Select from F2 Select from F2 Y or N If nominee is minor, enter guardian’s name Enter Guardian’s Address Select from F2 Select from F2 Select from F2

Press F4

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1.15 If the saving a/c is linked to FFD scheme the go to ‘J’ option, the following screen will appear–

1.16 1. 2. 3. 4. 5. 6.

Input details as mentioned below FFD Scheme Code Auto Renwl GL Subhead Code Automatic Sweep? Repayment instruction Location code Sweep-in deposit period

Select from F2 and press F4 Enter Same as GL subhead Enter ‘Y’ Select from F2 Select from F2 Comes by default but can be changed

(Rest of the other fields will come by default.) 1.17

Press F4

1.18

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

1.19 In the option ‘A’ the details of the main a/c holder will appear, for adding joint a/c holders - Press CTRL+DOWN ARROW KEY.

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1.20 Input details as mentioned below 1. 2. 3. 4. 5.

Relation Type Relation Code Dispatch Mode Designation Code Customer ID

6. Name/Address/Tel No/Fax No/Telex No/ Email ID 7. Start Date 8. End Date 9. Amount 10. Remarks 1.21 1.22

Select from F1 Select from F2 Select from F2 Select from F2 Enter Customer ID of the joint a/c holder Comes by default Enter the date from when the joint a/c holder can operate the a/c Enter the date till when the joint a/c holder can operate the a/c Enter the signing limit of the joint a/c holder Enter remarks if any

Press CTRL+DOWN ARROW keys to add more joint a/c holders and continue as explained above. Press F4

1.23 If the customer is a NRI, Go to option ‘R’. The values in this screen will "CUMM" level.

get

defaulted

from

the

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1.24 Press F4 and then F10 to commit. The account number will be displayed. 1.25 Note down the a/c no on the Account Opening Form and send the forms for verification.

2.0

Verification of Accounts

2.1Go to the Menu option and enter OAACAU

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2.2 Input details as mentioned below 1. Function 2. Temporary a/c no

Enter ‘V’ Enter the a/c number

2.3 Press F4 twice. 2.4 Enter option ‘S’ and press F4. 2.5 Verify details from AOF and Press F4. 2.6 If the nomination has been given then - enter option ‘N’ and press F4. 2.7 Verify the details from the AOF and Press F4. 2.8 If the customer is a NRI

- Enter option ‘R’ and Press F4.

2.9 Verify the details from the AOF and press F4. 2.10 Press F10 to commit. The a/c no will be displayed. 2.11 The account stands verified.

3.0 Transactions in Savings Bank Account 3.1 Go to Menu Option and Enter TM

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3.2 Input details as mentioned below 1. 2. 3. 4.

Function Type Subtype A/c No

5. Amount 6. Next Field (adjacent to the amt field). 7. Narration field 8. Inst type 9. Inst no 10. Value date 11. Remarks 12. Ref no 13. Visit Screen 14. Inst Date 15. Print Advice 16. Report code

Enter ‘A’ and press F4 Enter C for cash/T for transfer Select from F2 Enter SB a/c no for cash txn and the Debit account number in case of Transfer txn Enter transaction (txn) amount Enter ‘C’ for credit ‘D’ for debit. Enter Enter Enter Skip Enter Skip Skip Enter Skip Skip

narration CHQ for cheque txn else skip the instrument number remarks if any instrument date

3.3 Put ‘P’ in the specify option field 3.4 Press F4 to post credit part of the transaction. 3.5 Press CTRL+DOWN ARROW key to go to the next part of the transaction.

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3.6 In case of transfer txn in the above screen the user has to put the account no to which the credit has to be given, put the amount and C (for credit). 3.7 In case of cash transaction the debit part need not be entered as the a/c no, amount and D(for debit) will automatically be entered by the system. Press F10 to commit. 3.8 Press F4 and enter ‘P’ in the specify option to post the debit part of the transaction. 3.9

Press F10 to commit.

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The following screen will be shown –

3.10

Note down the transaction ID on voucher (which will be shown as in the above screen, here it is DC36)

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4. Verification of Transaction 4.1 Go to Menu Option and Enter TM

4.2 Input details as mentioned below 1. Function 2. Tran Id

Enter V Enter Txn ID from the voucher

4.3Press F4 and enter V in the field Specify Option. 4.4Press F4 to verify the first part of the txn 4.5Press CTRL+DOWN ARROW key to go the next part of the txn and enter ‘V’ in the Specify Option and press F4 and F10 to commit the verification. The transaction stands verified.

3.1

Closure of Saving Bank Accounts

3.2Go to Menu Option and Enter CAAC -

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3.3Input details as mentioned below 1. Function 2. A/c No

Enter ‘Z’ Enter SB a/c no

3.4Press F4 and all the details of the SB will appear on the screen. 3.5Press F4 again to go to the next screen

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3.6Give remarks in the above highlighted field. 3.7Press F10 to commit. The account stands closed.

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SCHEME CODES S

SCHEME

No. 1 2 3 4

CODE SHORT TERM RTCSS RTCSC RTCSQ RTCSM

5 6 7

RTBSS RTBSC RTBSQ

RETAIL BULK SHORT TERM SIMPLE INTT RETAIL BULK SHORT TERM COMPOUND INTT RETAIL BULK SHORT TERM QTRLY PAYOUT

10500 10500 10500

8 9 10 11

RTSSS RTSSC RTSSQ RTSSM

RETAIL RETAIL RETAIL RETAIL

12 13 14 15

CTCSS CTCSC CTCSQ CTCSM

CORP CORP CORP CORP

16 17 18

CTBSS CTBSC CTBSQ

CORP BULK SHORT TERM SIMPLE INTT CORP BULK SHORT TERM COMPOUND INTT CORP BULK SHORT TERM QTRLY PAYOUT

10540 10540 10540

19 20 21 22

CTASS CTASC CTASQ CTASM

CORP CORP CORP CORP

AGRI AGRI AGRI AGRI

10540 10540 10540 10540

23 24 25 26

CTGSS CTGSC CTGSQ CTGSM

CORP CORP CORP CORP

GOVT GOVT GOVT GOVT

27 28

TTBSS TTBSC

TREASURY BULK SHORT TERM SIMPLE INTT TREASURY BULK SHORT TERM COMPOUND INTT

10580 10580

MEDIUM TERM RTCMC RETAIL CLIENT MEDIUM TERM COMPOUND INTT RTCMQ RETAIL CLIENT MEDIUM TERM QTRLY PAYOUT RTCMM RETAIL CLIENT MEDIUM TERM MONTHLY PAYOUT

10600 10600 10600

29 30 31

DESCRIPTION

GL CODES

RETAIL RETAIL RETAIL RETAIL

CLIENT CLIENT CLIENT CLIENT

SHORT SHORT SHORT SHORT

TERM TERM TERM TERM

SIMPLE INTT COMPOUND INTT QTRLY PAYOUT MONTHLY PAYOUT

10500 10500 10500 10500

STAFF STAFF STAFF STAFF

SHORT SHORT SHORT SHORT

TERM TERM TERM TERM

SIMPLE INTT COMPOUND INTT QTRLY PAYOUT MONTHLY PAYOUT

10500 10500 10500 10500

CLIENT CLIENT CLIENT CLIENT

SHORT SHORT SHORT SHORT

TERM TERM TERM TERM

SIMPLE INTT COMPOUND INTT QTRLY PAYOUT MONTHLY PAYOUT

10540 10540 10540 10540

SHORT SHORT SHORT SHORT

TERM TERM TERM TERM

SHORT SHORT SHORT SHORT

SIMPLE INTT COMPOUND INTT QTRLY PAYOUT MONTHLY PAYOUT

TERM TERM TERM TERM

SIMPLE INTT COMPOUND INTT QTRLY PAYOUT MONTHLY PAYOUT

10540 10540 10540 10540

35

32 33

RTBMC RTBMQ

RETAIL BULK MEDIUM TERM COMPOUND INTT RETAIL BULK MEDIUM TERM QUARTELY PAYOUT

10600 10600

34 35 36

RTSMC RTSMQ RTSMM

RETAIL STAFF MEDIUM TERM COMPOUND INTT RETAIL STAFF MEDIUM TERM QTRLY PAYOUT RETAIL STAFF MEDIUM TERM MONTHLY PAYOUT

10600 10600 10600

37 38 39

CTCMC CTCMQ CTCMM

CORP CLIENT MEDIUM TERM COMPOUND INTT CORP CLIENT MEDIUM TERM QTRLY PAYOUT CORP CLIENT MEDIUM TERM MONTHLY PAYOUT

10640 10640 10640

40 41

CTBMC CTBMQ

CORP BULK MEDIUM TERM COMPOUND INTT CORP BULK MEDIUM TERM QUARTELY PAYOUT

10640 10640

42 43 44

CTAMC CTAMQ CTAMM

CORP AGRI MEDIUM TERM COMPOUND INTT CORP AGRI MEDIUM TERM QTRLY PAYOUT CORP AGRI MEDIUM TERM MONTHLY PAYOUT

10640 10640 10640

45 46 47

CTGMC CTGMQ CTGMM

CORP GOVT MEDIUM TERM COMPOUND INTT CORP GOVT MEDIUM TERM QTRLY PAYOUT CORP GOVT MEDIUM TERM MONTHLY PAYOUT

10640 10640 10640

48

TTBMC

TREASURY BULK MEDIUM TERM COMPOUND INTT

10680

49 50 51

LONG TERM RTCLC RTCLQ RTCLM

RETAIL CLIENT LONG TERM COMPOUND INTT RETAIL CLIENT LONG TERM QTRLY PAYOUT RETAIL CLIENT LONG TERM MONTHLY PAYOUT

10700 10700 10700

52 53

RTBLC RTBLQ

RETAIL BULK LONG TERM COMPOUND INTT RETAIL BULK LONG TERM QUARTELY PAYOUT

10700 10700

54 55 56

RTSLC RTSLQ RTSLM

RETAIL STAFF LONG TERM COMPOUND INTT RETAIL STAFF LONG TERM QTRLY PAYOUT RETAIL STAFF LONG TERM MONTHLY PAYOUT

10700 10700 10700

57 58 59

CTCLC CTCLQ CTCLM

CORP CLIENT LONG TERM COMPOUND INTT CORP CLIENT LONG TERM QTRLY PAYOUT CORP CLIENT LONG TERM MONTHLY PAYOUT

10740 10740 10740

60 61

CTBLC CTBLQ

CORP BULK LONG TERM COMPOUND INTT CORP BULK LONG TERM QUARTELY PAYOUT

10740 10740

62 63 64

CTALC CTALQ CTALM

CORP AGRI LONG TERM COMPOUND INTT CORP AGRI LONG TERM QTRLY PAYOUT CORP AGRI LONG TERM MONTHLY PAYOUT

10740 10740 10740

36

65 66 67

CTGLC CTGLQ CTGLM

CORP GOVT LONG TERM COMPOUND INTT CORP GOVT LONG TERM QTRLY PAYOUT CORP GOVT LONG TERM MONTHLY PAYOUT

10740 10740 10740

68

TTBLC

TREASURY BULK MEDIUM TERM COMPOUND INTT

10680

69 70 71

RTMIB CTMIB TTMIB

RETAIL MIBID CORP MIBID TREASURY MIBID

10810 10820 10830

72 73 74

RTCDI CTCDI TTCDI

RETAIL CDs CORP CDs TREASURY CDs

10910 10920 10930

75 76 77 78

NRI DEPOSITS RTNOS RTNOC RTNOQ RTNOM

RETAIL RETAIL RETAIL RETAIL

NRO NRO NRO NRO

11110 11110 11110 11110

79 80 81 82

RTNSS RTNSC RTNSQ RTNSM

RETAIL RETAIL RETAIL RETAIL

NRSR NRSR NRSR NRSR

83 84 85

RTNRC RTNRQ RTNRM

RETAIL NRE COMPUND INTT RETAIL NRE QUARTERLY PAYOUT RETAIL NRE MONTHLY PAYOUT

11310 11310 11310

86 87 88

RTNNC RTNNQ RTNNM

RETAIL NRNR COMPUND INTT RETAIL NRNR QUARTERLY PAYOUT RETAIL NRNR MONTHLY PAYOUT

11410 11410 11410

89

RTFCC

RETAIL FCNR COMPUND INTT

11510

90

RTRFC

RETAIL RFC COMPUND INTT

11710

91 92 93 94

CTNOS CTNOC CTNOQ CTNOM

CORP CORP CORP CORP

NRO NRO NRO NRO

11120 11120 11120 11120

95 96 97 98

CTNSS CTNSC CTNSQ CTNSM

CORP CORP CORP CORP

NRSR NRSR NRSR NRSR

SIMPLE INTT COMPUND INTT QUARTERLY PAYOUT MONTHLY PAYOUT SIMPLE INTT COMPUND INTT QUARTERLY PAYOUT MONTHLY PAYOUT

SIMPLE INTT COMPUND INTT QUARTERLY PAYOUT MONTHLY PAYOUT SIMPLE INTT COMPUND INTT QUARTERLY PAYOUT MONTHLY PAYOUT

11210 11210 11210 11210

11220 11220 11220 11220

37

99 100 101

CTNRC CTNRQ CTNRM

CORP NRE COMPUND INTT CORP NRE QUARTERLY PAYOUT CORP NRE MONTHLY PAYOUT

11320 11320 11320

102 103 104

CTNNC CTNNQ CTNNM

CORP NRNR COMPUND INTT CORP NRNR QUARTERLY PAYOUT CORP NRNR MONTHLY PAYOUT

11420 11420 11420

105

CTFCC

CORP FCNR COMPUND INTT

11520

106

CTRFC

CORP RFC COMPUND INTT

11720

107 108 109

INTERBANK BTISS BTISC BTISQ

INTERBANK SHORT TERM SIMPLE INTT INTERBANK SHORT TERM COMPOUND INTT INTERBANK SHORT TERM QUARTLY PAYOUT

12110 12110 12110

110 111

BTIMC BTIMQ

INTERBANK MEDIUM TERM COMPOUND INTT INTERBANK MEDIUM TERM QUARTLY PAYOUT

12120 12120

112 113

BTILC BTILQ

INTERBANK LONG TERM COMPOUND INTT INTERBANK LONG TERM QUARTLY PAYOUT

12130 12130

114

BTICD

INTERBANK CDs

12140

115 116 117 118

INSTITUTIONS ITTSS ITTSC ITTSQ ITTSM

119 120 121

ITTMC ITTMQ ITTMM

INSTITUTION MEDIUM TERM COMPOUND INTEREST INSTITUTION MEDIUM TERM QUARTERLY PAYOUT INSTITUTION MEDIUM TERM MONTHLY PAYOUT

12630 12630 12630

122 123 124

ITTLC ITTLQ ITTLM

INSTITUTION LONG TERM COMPOUND INTEREST INSTITUTION LONG TERM QUARTERLY PAYOUT INSTITUTION LONG TERM MONTHLY PAYOUT

12650 12650 12650

125

ITTCD

INSTITUTION CDs

12670

FLOATING RATE RTFLA RETAIL FLOATING RATE 46D-90D CTFLA CORP FLOATING RATE 46D-90D TTFLA TREASURY FLOATING RATE 46D-90D

10850 10860 10870

126 127 128 129

RTFLB

INSTITUTION INSTITUTION INSTITUTION INSTITUTION

SHORT SHORT SHORT SHORT

TERM TERM TERM TERM

SIMPLE INTEREST COMPOUND INTEREST QUARTERLY PAYOUT MONTHLY PAYOUT

RETAIL FLOATING RATE 91D-12M

12610 12610 12610 12610

10850

38

130 131

CTFLB TTFLB

CORP FLOATING RATE 91D-12M TREASURY FLOATING RATE 91D-12M

10860 10870

FFD SCHEMES 132 133

SHORT TERM RFCSS RFCSC

RETAIL CLIENT FFD SHORT TERM SIMPLE INTT RETAIL CLIENT FFD SHORT TERM COMPOUND INTT

10500 10500

134 135

RFSSS RFSSC

RETAIL STAFF FFD SHORT TERM SIMPLE INTT RETAIL STAFF FFD SHORT TERM COMPOUND INTT

10500 10500

136 137

CFCSS CFCSC

CORP CLIENT FFD SHORT TERM SIMPLE INTT CORP CLIENT FFD SHORT TERM COMPOUND INTT

10540 10540

138 139 140

MEDIUM TERM RFCMC RETAIL CLIENT FFD MEDIUM TERM COMPOUND INTT RFSMC RETAIL STAFF FFD MEDIUM TERM COMPOUND INTT CFCMC CORP CLIENT FFD MEDIUM TERM COMPOUND INTT

141 142 143

LONG TERM RFCLC RFSLC CFCLC

10600 10600 10640

RETAIL CLIENT FFD LONG TERM COMPOUND INTT RETAIL STAFF FFD LONG TERM COMPOUND INTT CORP CLIENT FFD LONG TERM COMPOUND INTT

10700 10700 10740

144 145

NRI DEPOSITS RFNOS RFNOC

RETAIL NRO FFD SIMPLE INTT RETAIL NRO FFD COMPUND INTT

11110 11110

146 147

RFNSS RFNSC

RETAIL NRSR FFD SIMPLE INTT RETAIL NRSR FFD COMPUND INTT

11210 11210

148 149

CFNOS CFNOC

CORP NRO FFD SIMPLE INTT CORP NRO FFD COMPUND INTT

11120 11120

150 151

CFNSS CFNSC

CORP NRSR FFD SIMPLE INTT CORP NRSR FFD COMPUND INTT

11220 11220

152 153 154 155 156 157 158 159 160 161

CFBSS CFBSC CFGSS CFGSC TTBSQ CFBMC CFGMC CTBMM RTBMM TTBMQ

CORP SFD BULK SIMPLE INT CORP SFD BULK QTLY COMP CORP SFD GOVT SIMPLE INT CORP SFD GOVT QTLY COMP TRY STD BULK QTLY PAYOUT CORP MFD BULK QTLY COMP CORP MFD GOVT QTLY COMP CORP MTD BULK MTLY PAYOUT RET MTD BULK MTLY PAYOUT TRY MTD BULK QTLY PAYOUT

10540 10540 10540 10540 10580 10640 10640 10640 10600 10680

39

162 163 164 165 166 167 168 169 170 171 172 173 174 175 176

CFBLC CFGLC CTBLM TTBLM TTBLQ RFNNC BTMHC BTMHP BTLHC BTLHP IFTSS IFTSC IFTMC IFTLC RTBSM

CORP LFD BULK QTLY COMP CORP LFD GOVT QTLY COMP CORP LTD BULK MTLY PAYOUT TRY LTD BULK MTLY PAYOUT TRY LTD BULK QTLY PAYOUT RET NRNR FFD SIMPLRE INT INTERBANK MED TERM HALF YRLY COMP INTERBANK MED TERM HALF YRLY PAYOUT INTERBANK LONG TERM HALF YRLY COMP INTERBANK LONG TERM HALF YRLY PAYOUT INST SFD SIMPLE INT INST SFD QTLY COMP INT INST MFD QTLY COMP INT INST LFD QTLY COMP INT RET STD BULK MTLY PAYOUT

10740 10740 10740 10680 10680 11410 12120 12120 12130 12130 12610 12610 12630 12650 10500

BANK MASTER SCHEMES 177 178 179

RZCSS RZCSC RZCSQ

CLIENT SIMPLE INT-RETAIL CLIENT QTLY COMP-RETAIL CLIENT QTLY PAYOUT-RETAIL

10500 10500 10500

180 181 182

CZBSS CZBSC CZBSQ

BULK SI- CORP BULK QTLY COMP-CORP BULK QTLY PAYOUT-CORP

10540 10540 10540

183 184 185

CZCSS CZCSC CZCSQ

CORP SIMPLE INT CORP QTLY COMP CORP QTLY PAYOUT

10540 10540 10540

186 187 188

BZISS BZISC BZISQ

INTERBANK SIMPLE INT INTERBANK QTLY COMP INTERBANK QTLY PAYOUT

12110 12110 12110

189 190 191

RZSSS RZSSC RZSSQ

STAFF SIMPLE INT STAFF QTLY COMP STAFF QTLY PAYOUT

10500 10500 10500

192 193 194

CZGSS CZGSC CZGSQ

GOVT SIMPLE INT GOVT COMP INT GOVT QTLY PAYOUT

10540 10540 10540

195 196 197

MEDIUM TERM RZCMC CLIENT QTLY COMP RZCMQ CLIENT QTLY PAYOUT CZBMC

BULK QTLY COMP

10600 10600 10640

40

198

CZBMQ

BULK QTLY PAYOUT

10640

199 200

CZCMC CZCMQ

CORP QTLY COMP CORP QTLY PAYOUT

10640 10640

201 202

BZIMC BZIMQ

INTERBANK QTLY COMP INTERBANK QTLY PAYOUT

12120 12120

203 204

RZSMC RZSMQ

STAFF QTLY COMP STAFF QTLY PAYOUT

10600 10600

205 206

CZAMC CZAMQ

AGRI QTLY COMP AGRI QTLY PAYOUT

10640 10640

207 208

CZGMC CZGMQ

GOVT QTLY COMP GOVT QTLY PAYOUT

10640 10640

209 210

LONG TERM RZCLC RZCLQ

CLIENT QTLY COMP CLIENT QTLY PAYOUT

10700 10700

211 212

CZBLC CZBLQ

BULK QTLY COMP BULK QTLY PAYOUT

10740 10740

213 214

CZCLC CZCLQ

CORP QTLY COMP CORP QTLY PAYOUT

10740 10740

215 216

BZILC BZILQ

INTERBANK QTLY COMP INTERBANK QTLY PAYOUT

12130 12130

217 218

RZSLC RZSLQ

STAFF QTLY COMP STAFF QTLY PAYOUT

10700 10700

219 220

CZALC CZALQ

AGRI QTLY COMP AGRI QTLY PAYOUT

10740 10740

221 222

CZGLC CZGLQ

GOVT QTLY COMP GOVT QTLY PAYOUT

10740 10740

223 224 225 226 227 228

NRI DEPOSITS RZNOS RZNOC RZNOQ CZNOS CZNOC CZNOQ

NRO NRO NRO NRO NRO NRO

SIMPLE INT-PERSONAL QTLY INT-PERSONAL QTLY OUTFLOW-PERSONAL SIMPLE INT-OTHERS QTLY INT-OTHERS QTLY OUTFLOW-OTHERS

11110 11110 11110 11120 11120 11120

41

229 230 231 232 233 234

RZNSS RZNSC RZNSQ CZNSS CZNSC CZNSQ

NRSR NRSR NRSR NRSR NRSR NRSR

SIMPLE INT-PERSONAL QTLY INT-PERSONAL QTLY OUTFLOW-PERSONAL SIMPLE INT-OTHERS QTLY INT-OTHERS QTLY OUTFLOW-OTHERS

11210 11210 11210 11220 11220 11220

235 236 237 238

RZNNC RZNNQ CZNNC CZNNQ

NRNR NRNR NRNR NRNR

QTLY QTLY QTLY QTLY

11410 11410 11420 11420

239 240 241 242

RZNRC RZNRQ CZNRC CZNRQ

NRE NRE NRE NRE

243 244

RZFCC CZFCC

FCNR –PERSONAL FCNR –OTHERS

11510 11520

245 246

RZRFC CZRFC

RFC –PERSONAL RFC –OTHERS

11710 11520

247 248 249

RZMIB CZMIB TZMIB

RETAIL MIBID CORP MIBID TRY MIBID

10810 10820 10830

250 251 252

RZCDI CZCDI TZCDI

RETAIL CD CORP CD TRY CD

10910 10920 10930

253 254

RZEEF CZEEF

RET EEFC A/C CORP EEFC A/C

11610 11620

255 256

RVCMC RVCLC

GOLDEN YEARS MED TERM PLAN GOLDEN YEARS LONG TERM PLAN

10600 10700

257 258 259 260 261 262

RZFLA CZFLA TZFLA RZFLB CZFLB TZFLB

RETAIL FLOATING RATE 46D-90D CORP FLOATING RATE 46D-90D TREASURY FLOATING RATE 46D-90D RETAIL FLOATING RATE 91D-12M CORP FLOATING RATE 91D-12M TREASURY FLOATING RATE 91D-12M

10850 10860 10870 10850 10860 10870

263 264 265 266

BZMHC BZMHP BZLHC BZLHP

INTERBANK INTERBANK INTERBANK INTERBANK

12120 12120 12130 12130

QTLY QTLY QTLY QTLY

INT-PERSONAL OUTFLOW-PERSONAL INT-OTHERS OUTFLOW-OTHERS

INT-PERSONAL OUTFLOW-PERSONAL INT-OTHERS OUTFLOW-OTHERS

MED TERM HALF YRLY COMP-BM MED TERM HALF YRLY PAYOUT-BM LONG TERM HALF YRLY COMP-BM LONG TERM HALF YRLY PAYOUT-BM

11310 11310 11320 11320

42

267 268 269

RRCSC RRCMC RRCLC

RETAIL RD CLIENT SHORT TERM QTLY COMPOUNDING RETAIL RD CLIENT MED TERM QTLY COMPOUNDING RETAIL RD CLIENT LONG TERM QTLY COMPOUNDING

10500 10600 10700

270 271 272

RRSSC RRSMC RRSLC

RETAIL RD CLIENT SHORT TERM QTLY COMPOUNDING RETAIL RD CLIENT MED TERM QTLY COMPOUNDING RETAIL RD CLIENT LONG TERM QTLY COMPOUNDING

10500 10600 10700

273

RFNRC

RET FFD NRE QTLY COMP

11310

Job Card - Term Deposits 1.0

Open a Fixed Deposit Account

1.1Go to Menu Option 1.2Enter OAAC The following screen will appear -

1.3Input details as mentioned below -

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1. 2. 3. 4. 5. 6. 7.

Function Customer ID Currency code GL subhead code Scheme code Permanent a/c no Copy account no

‘O’ - Comes by default Enter customer ID INR – comes by default Skip Select from F2 . Skip Skip

1.4Press F4

1.5Enter relevant details 1. Function

Enter ‘O’

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1.6

Press F4

1.7Enter relevant details 1. Acct name 2. Acct short Name 3. Account Open date 4. Special charge code 5. Mode of Operation 6. Location code 7. Account manager 8. Cash/clg/trf Exception limit 9. Account report code 10. Ledger No 11. Collect Charges 12. Turnover details 13. Relative to staff 14. Relative staff ID

Comes by default Comes by default Comes by default Skip E or S etc select from F2 Skip Skip Comes by default Comes by default Skip Comes by default Comes by default If relative of a staff member enter “Y” If above flag “Y’ enter employee ID

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15. Remarks

of the related staff Enter additional information if required

1.8Press F6

1.9Input details as mentioned below 1. 2. 3. 4. 5. 6. 7. 8.

Passbook/Statement Local calendar Dispatch Mode Next print date Freeze code & Freeze reason Pay interest Collect interest Customer Pref Intt (Cr.)

9. Account Pref Intt (Cr.)

Type ‘R’ for FD receipts Skip Skip Skip Skip Comes by default Comes by default Will default from Customer records. (Normally this field will be skipped) If a preferential rate has to be given to this account over and above the customer preferential the additional rate has to be entered here, this adds up to the normal interest rate and the

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10. Intt credit account No 11. Intt rate code 12. Account Peg 13. Customer Pref Intt (Dr.) 14. Account Pref Intt (Dr.) 15. Intt debit flag

1. 2. 3. 4. 5. 6. 7.

customer preferential rate. (Normally this field will be skipped) Skip for qtrly compounding and enter a/c no for qtrly or monthly payout scheme. Comes by default Comes by default Skip Skip Skip

1.10

Press F6

1.11

Input details as mentioned below -

Contact Phone No DDA maintenance Intt Calc Freq Cr. Next intt calc date Cr. Intt Calc Freq Dr. Next intt calc date Dr. TDS Operative a/c

8. Language Code 9. Name in lang code

Enter Tel no Skip Skip Skip Skip Skip If the customer wishes, enter operative a/c (SB or CA) from where TDS is to be deducted Select from F2 Select from F2

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1.12

Press F4

1.13

Enter S in the Enter Option field to go the Scheme Details –

1.14

Input details as mentioned below -

1. Deposit Type 2. Dep/Instl Amt 3. Deposit Period 4. Value date 5. Maturity date 6. Spl Catgr Indicator 7. Availing Nomination Facility 8. Print Nominee Name 9. Loan A/c No 10. Repayment A/c No 11. Maturity Value 12. Print Receipt 13. Tax category 14. With holding tax borne by 15. Safe Custody

Comes by default Enter deposit amount Enter deposit period Enter value date Skip Select from F2 Yes or No Yes or No Skip Skip Skip Comes by default Comes by default For NRO fill ‘P’ otherwise skip Comes by default

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1.15

Press F6

1.16

Input details as mentioned below -

1. Auto Closure 2. Auto renewal 3. Max renewal allowed 4. Renewal period allowed 5. Auto renewal GL subhead code 6. Auto renewal scheme code 7. Auto renewal Intt table code 8. Renewal currency 9. Renewal rate code 10. Renewal rate 11. Intt on TDS required 12. Agent/Employee Ind. & Code 13. Regularise lien amt on maturity

Skip Defaults to ‘U’ (unlimited), can be changed to ‘N’ (none) or ‘L’ limited If entered ‘L’ above, enter no. of times renewal allowed otherwise skip. Comes by default, can be changed Comes by default Comes by default Comes by default Skip Skip Skip Comes by default Skip Enter ‘Y’ if loan against FD to be adjusted on maturity

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1.17 Press F4 and then type ‘F’ in the menu option to view the flow details

1.18

Press CTRL+E to explode the flow -

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1.19

Press F4 twice

1.20 If you have entered “Y” in the field “Availing Nomination facility” then go to option ‘N’. The following screen will appear –

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1.21

Enter relevant details -

14. Nominee’s Name 15. Relationship 16. Address 17. Reg No. 18. City Code 19. State code 20. Country Code 21. Nominee Minor? 22. Guardian’s Name 23. Address 24. City Code 25. State code 26. Country code 1.22 Press F4

Enter nominee’s name Select from F2 Enter nominee’s address Comes by default Select from F2 Select from F2 Select from F2 Y or N If nominee is minor, enter guardian’s name Enter Guardian’s Address Select from F2 Select from F2 Select from F2

1.23 In case there are Joint Account Holders go to option ‘A’. In the option ‘A’ the details of the main a/c holder will appear, for adding joint a/c holders press CTRL+DOWN ARROW KEY.

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1.24 1. 2. 3. 4. 5.

Enter relevant details -

Relation Type Relation Code Dispatch Mode Designation Code Customer ID

6. Name/Address/Tel No/Fax No/Tlx No/ Email ID 7. Start Date 8. End Date 9. Amount 10. Remarks

Select from F1 Select from F2 Select from F2 Select from F2 Enter Customer ID of the joint a/c holder Comes by default Enter the date from when the joint a/c holder can operate the a/c Enter the date till when the joint a/c holder can operate the a/c Enter the signing limit of the joint a/c holder Enter remarks if any

To add more joint a/c holders press CTRL+DOWN ARROW keys and continue as explained above. 1.25

Press F4

1.26 If the customer is a NRI, option ‘R’ has to be visited. The values in this screen will get defaulted from the ‘CUMM’ level.

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The above screen for NRI will appear. This screen has just to be visited. Nothing can be entered in this screen. 1.27

Press F4 and then F10 to commit.

The account number along with the maturity amt will be displayed. Note down the a/c no on the Account Opening Form and proceed for verification.

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2.0

Verification of Accounts

2.1Go to Menu Option. 2.2Enter OAACAU – the following screen will appear –

2.3Input details as mentioned below 1. Function 2. Temporary a/c no

Enter ‘V’ Enter a/c no.

2.4Press F4 twice. 2.5Go to option ‘S’. Press F4 and verify from AOF and press F4. 2.6Go to option ‘F’. Press F4 and verify flows and press F4 twice. 2.7If the nomination has been given then go to option ‘N’. Press F4 and verify from AOF and press F4. 2.8If the customer is a NRI go to option ‘R’. Press F4 and verify from the AOF and press F4. 2.9Press F10 to commit. The a/c no and the maturity amount will be displayed. The A/c stands verified.

3.0

TRANSACTIONS IN FIXED DEPOSITS ACCOUNTS

3.1Go to Menu Option and Enter TM

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3.2Input details as mentioned below 1. 2. 3. 4.

Function Type Subtype A/c No

5. Amount 6. Next Field (adjacent to the amt field. 7. Narration field 8. Inst type 9. Inst no 10. Value date 11. Remarks 12. Ref no 13. Visit Screen 14. Inst Date 15. Print Advice 16. Report code

Enter ‘A’ and press F4 Enter C for cash/T for transfer Select from F2 Enter the FD a/c no for cash and Debit account number for Transfer. Enter the FD amount Enter ‘C’ for credit or ‘D’ for debit Enter narration Skip Skip Skip Enter remarks if any Skip Skip Skip Skip Skip

3.3Press F4

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3.4Press F4 twice and the system will take you to the previous screen 3.5Put ‘P’ in the specify option field and press F4 to post credit/ debit part of the transaction. 3.6Press CTRL+DOWN ARROW key to go to the next part of the transaction.

57

3.7In case of transfer transactions in the above screen the user has to put the account no to which the amount will be credited i.e., the new FD account number. [In case of cash transaction the debit part need not be entered as the a/c no, amount and D (for debit) will automatically be entered by the system. Press F10 to commit.] 3.8Press F4 and enter ‘P’ in the specify option to post the debit part of the transaction and press F10 to commit. 3.9The following screen will be shown –

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3.10 Note down the transaction ID (which will be shown as in the above screen, here it is DC5) on the voucher.

4.0

Verification of Transaction

4.1Go to Menu Option and Enter TM

4.2Input details as mentioned below –

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1. Function 2. Tran Id

V for verification Enter the Txn ID from the voucher

4.3Press F4 and enter V in the field Specify Option. 4.4Press F4 to verify the first part of the txn. 4.5Press CTRL+DOWN ARROW key to go the next part of the txn and enter ‘V’ in the Specify Option.

4.6Press F4 and F10 to commit the verification. The transaction stands verified.

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5.0

Closure of Fixed Deposits Accounts

5.1Go to Menu Option and Enter CAAC -

5.2Input details as mentioned below – 1. Function 2. A/c No

Enter ‘Z’ Enter the a/c no.

5.3Press F4 and all the details of the FD will appear on the screen. Press F4 again to go to the next screen

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5.4Only two fields have to be entered 1. Closure Remarks 2. Penal Int for full period

Enter narration Enter ‘Y’

5.5Press F4 and F10 to commit the closure of the account.

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5.6The next step after closing the account is to calculate the TDS if any. Enter Option - TDSCALC. The following screen will appear –

5.7Input details as mentioned below 1. 2. 3. 4.

Report to Start A/c No TDS on Paid/Accrued intt Adhoc run?

Manager Enter the a/c no. Enter P Enter N

Rest of the other fields need not be filled. 5.8Press F4

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5.9Input details as mentioned below 1. Fore/Background? 2. Print Required? 5.10

Enter ‘F’ Enter Y if print reqd immediately, else N

Press F10

6.0 Deposit

Receipt Printing

6.1Go to Menu Option and enter DRP

64

6.2Enter FD a/c no in both fields as indicated above and Press F4 and the following screen will appear -

6.3 Press F4

65

6.4Press F4 to get the next screen below -

66

6.5Press F4 and printing will begin

6.6After printing is complete ‘Y’ will default in PRINT OK? Field Check the printed COD If found OK Press F10 to commit Else Enter ‘P’(Print again) in PRINT OK? Field Press F10. Press F4 The Printing will begin again After printing is complete ‘Y’ will default in PRINT OK? Field Check the printed COD If found OK Press F10 to commit The FD stands printed

67

JOB CARD FOR INVENTORY MAINTENANCE

The Inventory Module is used for storage, transfer of Security Items and release of security items to Front Office personnel like Cheque Books, Demand Drafts, Traveller’s cheques, Pay orders for normal Banking. The following are the various menu options to be used for Inventory Maintenance. 1. IMAUM-Inventory Movement Authorisation The following screen is used for feeding information: The Authorised users at Corporate Office for initial transfer of Inventory from External agency to Corporate location are created under this menu option. 1.1 In menu option input IMAUM. The below mentioned screen will pop up. 1.2 Select function A to add two authorised User Id’s for transfer of Inventory from Corporate Office to Branch Double Lock. The custodian and the supervisory official will put their respective user ID’s.

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2. The menu option for transfer of Inventory from one location to another (from Corporate office to branch and from custodial to employees) is done through Option IMC. The screen is as under:

Step 1) ENTRY: Function A for transfer of Inventory from ZZ (External) to DL (double Lock). Example Corporate Office will transfer Inventory from ZZ to DL01 i.e Indore branch initially. Step 2) Branch on receipt of Inventory will transfer from location ZZ to DL and subsequently from DL to Employees based on everyday requirements. The steps involved for shifting keys in this option is as under: F2 help available for first two columns, leave 3 rd column blank and enter the quantity from *** to *** press( ctrl+ down),f4 to enter and f10 to commit. This entry of inventory movement can be made by the lowest work class( to whom the sationery is issued for business purpose) who has to note down the inventory Tran no generated by the system on pressing F10.

69

3. VERIFICATION: The verification will be done by the authorised users defined in IMAUM by inputting the Inventory tran no. and pressing F4 for first screen and F6 for next screen. The respective authorisers can authorise from their respective ids . The screen is as under:

70

4. The Inquiry, Split and Merger can be made under option ISI-Inventory Inquiry, Split and Merger

For splitting inventory recd into your ID (Employee to whom stationery is issued from double lock) you just press S in function field and input Inventory class/Type to be split, inquiry available here by pressing F2. In case you are selecting from available list then press Control up/Down arrow to move cursor between records and select the relevant record by pressing shift F4.The following screen is displayed:

71

a) Give the Start serial no of the inventory in Start Serial no. b) Give Items or Units required in one Lot in Items per unit Field. c) Give no of units in which total inventory is to be divided, in No of units field. d) press f10 to commit and you will get the message records split successful.

72

5. For merger of inventory you have to use the menu option ISI. The screen is as under:

Input the location code, inventory class/type, give the start serial no you want to merge and the quantity you want the system to merge. Then press F4 to get the details of merger, then press F10. One can even Inquire/Split/Merge other Employee’s Inventory in Menu option ISIA. *while defining Inventory class ,the user has to define following inventory items. 1)CHQ – Cheque 2)DD - Demand Draft(for payment) 3)DDS –Demand drafts (for issue) The location class given below is predefined. 1. ZZ – External to System 2. EM - Employee The summary of menu options is as under: Menu option Description IIM INVENTORY ITEM MAINTENANCE ILCM INVENTORY LOCATION CODE MAINTENANCE

73

IMAUM INVENTORY MOVEMENT AUTH. MAINTENANCE IMC INVENTORY MOVEMENT BETWEEN LOCATIONS IMI INVENTORY MOVEMENT BETWEEN LOCATIONS IMR INVENTORY MOVEMENT REPORT ISIA INVENTORY INQUIRY, SPLIT AND MERGE (ALL) ISI INVENTORY INQUIRY, SPLIT AND MERGE (EM) ISR# INVENTORY STATUS REPORT AT EMP LOCATION ISRA$ INVENTORY STATUS REPORT (ALL) # This report is to be generated from time to time for physical verification at employee locations by supervisors. $ This report is required to be generated from time to time for physical verification at branch level/corporate office level.

CHEQUE BOOK ISSUE TO CUSTOMER ACCOUNTS 1. Go to the menu option ICHB. The following screen will appear.

74

2. Input details as mentioned below: 1. 2. 3. 4.

Function A/c Number Cheque Type Issue date

Enter Enter Enter Enter F4

I and press F4 the account number and press F4 the type of cheques the date of issue dd/mm/yy press

3. The following screen will appear

75

4. 5. 6. 7.

Scroll down to the appropriate cheque book by using CTLL +  Select the cheque book by using SHIFT + F4 Press F 10 If any other cheque book is to be issued enter the account number and repeat the above steps till all are finished

76

VERIFICATION OF CHEQUE BOOK ISSUED 1. Go to the menu option ICHB and press The following screen will appear.

2. Input details as mentioned below: 1. Function 2. A/c Number

Enter V and press F4 Enter the account number and press F4

77

3. The details of the cheque books issued to this account will be shown. Verify the details. Press F4 twice and then Press F10. 4. If there are any other cheque book issued to be verified enter the account number and repeat the above steps.

5. The cheque book issue stands verified.

78

STOP PAYMENT OF CHEQUES 1. Go to the menu option SPP. The following screen will appear.

2. Input the following details: 1. Function 2. A/C No

Enter S Enter the account number for which the cheque is to be stopped. The time date etc comes automatically Enter the name of the payee Enter the date of the stopped cheque Enter the amount of cheque if known Enter the reason code by selecting from F2 list

3. 4. 5. 6.

Payee’s Name Cheque date Cheque Amt Reason code

3.

Enter “C” in the option field and press F4. The following screen will appear

79

4. The charges default to the normal level. You may change the charges if required. 5. Press F4 and F10. 6. Stop payment is registered.

80

VERIFICATION OF STOP PAYMENT OF CHEQUES 1. Go to the menu option SPPAU. The following screen will appear.

2. Input the following details: 1. Function 2. A/C No 3. 4. 5. 6.

Payee’s Name Cheque date Cheque Amt Reason code

Enter V Enter the account number for which the cheque has been stopped. The time date etc comes automatically Verify the name of the payee Verify the date of the stopped cheque Verify the amount of cheque if known Verify the reason code

3. Enter “C” in the option field and press F4. The following screen will appear.

81

4. Verify the charges. Press F4 and F10. If you are collecting some charges the following screen will appear.

82

5. Note down the Tran Id on the voucher. 6. The Stop Payment instruction stands verified.

83

JOB CARD FOR STANDING INSTRUCTIONS 1. Creation of Standing Instructions menu is SIM. The screen is as under: Screen no 1.1

1. Function A 2. SI Class 3. Cust Id 4. Execution details for SI frequency 5. Execution time 6. 7. 8. 9.

Next execution date Autopost End date Suspended upto

10. Charge details

11. Charge rate 12. Dr account

For Adding Standing instructions Input ‘C’ for Customer induced or ‘B’ for Bank Induced Input Customer ID Valid frequency are ‘D’ Daily, ‘W’ weekly, ‘F’ Fortnightly, ‘M’ Monthly, ‘Q’ Quarterly, ‘H’ Half-yearly, ‘Y’ Yearly. Valid values are ‘B’ Beginning of Day, ‘D’Anytime during Day, ‘A’ after business hours and ‘E’ Every time. Specify when next SI is to be executed. Input Y Input when SI is to be ended. Input the date upto which the SI is to be suspended upto. Predefined for SI acceptance it is ‘SIACPE’. For failure and execution no charges are levied. Applicable only if in foreign currency list available for selection. Input account no from which charges to be collected.

84

13. A/c condition (optional) account no. 14. A/c balance 15. Balance indicator 16. Excess/short Ind 17. Failure processing delete part tran if not posted. 18. Carry forward if yes max times 19. Remarks 20. Closure remarks 21. Statistics

Input target account no for applying target conditions SI will be executed only if target conditions are met. Input balance for verifying execution of SI ‘D’ debit balance or ‘C’ credit balance. ‘E’ excess or ‘S’ short. Input Y for deleting. Input valid values Input free text. Input free text. System generated.

2. Press F4 to go to next page which is as under screen (no1.2):

Screen 1.2 1. Option field 2. Amount indicator 3. 4. 5. 6.

Part tran type Create Memo pad entry Currency Fixed amount condition

7. Variable amount condition for

Valid value is E for enter. Valid values are ‘F’ fixed, ‘C’ for contra balancing, ‘V’ variable and ‘T’ for table code. ‘D’ debit and ‘C’ for Credit. Valid values are ‘Y’ for yes and ‘N’ for no Input from list available. Enter fixed amount if indicator is ‘F’ in amount indicator. Input account no , account balance,

85

Account no., account balance, amount multiple, in excess/short and percentage 8. Table code condition amount table code

amount in multiples of , excess/short and what percentage of excess/short to be transferred. List available for table code.

3. Enter the relevant details and press F4 the following screen (no 1.3) is displayed: 1. Account no 2. Amount indicator 3. Percentage 4. Amount 5. Round off indicator 6. Value of round off 7. Rate code 8. Report code 9. Intent code 10. Reference number 11. Reference 12. Remarks 13. Coll charge

Input account no Populated from earlier field where indicated as ‘F’ for Fixed indicator. Input percentage as required Input amount Valid values are H highest, L lowest and N for nearest. Enter amount to which rounded to. List available List available List available Enter valid reference number. Reference number if any. Remarks if any Valid values are Y and N fro deduction of charges on account of DD/MT/TT remittances.

Screen no 1.3 4. Press F4 and you will come to screen no 1.2 then press F4 to come to second part tran screen which is as under

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Screen (no1.4):

Screen 1.4 5. Then start inputting values as under. The only difference would be to enter part tran type if Debit in first screen then input Credit in the above screen and vice versa. Other values are as per the screen 1.2.

STANDING INSTRUCTION EXECUTION 1. Normally the execution will take place as a part OF SOD/ EOD. However, in case of need the following option can be used. The screen for Standing Instruction execution is as under: Menu option is SIE.

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Screen no. 1.5

CARRY FORWARD OF STANDING INSTRUCTIONS 1. The menu option for Carried Forward List Maintenance is CFLM the screen is:

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Screen 1.6 The reports can be generated for which the menu options are as under: SIETR Standing Inst executed today report SIRP Standing Instructions Register Printing SIADVC Print SI advice to customer SICL Print SI covering letter to customer

JOBCARD FOR CLEARING ACTIVTIES OUTWARD CLEARING :

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Outward Clearing activities have been divided into Zones. The following zones have been created in the system, which will be common throughout the Bank. Each branch will have to choose and open on a daily basis the clearing zone, which is applicable to them. Clg Code HV IB MICR

Zone

Description High Value InterBank Micr Dividend Warrant (specific only to Mumbai City, can also be used by other branches if they have two types of MICR clearing in a day for e.g. in Pune.) Non MICR Clg 1 (Manual Clearing) Non MICR Clg 2 (Manual Clearing). To be used by a branch in case of more than one manual clearing per day for e.g in Pune)

DW NMICR1 NMICR2

For e.g. Nariman Pt., Mumbai will open HV, IB, MICR and DW zones daily to process their Outward Clg., whereas a branch like Surat, which has only one Manual clg will open only NMICR1 zone, on a daily basis. In Finacle cheques :

there are only three commonly used menus to process Outward

A) OCTM (functions : A , V) B) MCLZOH (functions : O , S , R , G , T ) C) MARKPEND Menu

Option

Menu

OCTM

A (Add Chq)

MCLZOH

OCTM

V (Verify Chq)

MCLZOH MCLZOH MARKPEND

Option O (Open zone) S (Suspend zone) R (Release Shadow)

to

MCLZOH

(Withhold Clearance) G (Regularise Shadow)

MCLZOH

T (Trf. of Lodgement)

Now let us see what each of these options does and how we lodge cheques in Outward Clearing using Finacle :

Step 1 : OPEN A ZONE : MCLZOH function O Every morning after SOD (BOD under Finacle) has been run, the user (supervisor) in each branch has to open, respective clearing zones. This is compulsory else no cheques can be lodged in clearing. The screen is as below :

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Scr:

Function : O (open)  press F4 Zone : Date / Zone code (want a list of zone codes use F2)  press F4 ( use + to move between the codes and press + F4 to select the relevant zone code).  press F10 to commit. Your Zone is now open and you can start lodging cheques into it. Using the same step you can open other zones applicable to you branch for lodgement of cheques. * Note : Please be very careful on the date field. The date to be entered is the date when you are actually going to receive the credit for that particular clearing from the RBI / SBI and not the date when you are doing the lodgement of cheques (except in case of Clg’s where credit is received from RBI on the same date as that of lodgement). e.g. cheques are lodged into the system on 01/02/01. Zone date will be in case of ….

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High Value : credit received from the RBI on the same day itself hence 01/02/01.

zone date will be

MICR : Cheques are lodged on Day 1, RBI gives credit on day 2, and hence the zone date applicable will be 02/02/01. * Care : The value date of the credit into the client’s a/c is dependent on the zone date. * Outward Clearing Zones can be opened for the days greater than or equal to the SOD date and not earlier to SOD date. * Do not enter any other fields as values have been defaulted to your branch. Step 2 : Add / Lodge Cheques into the opened zone : OCTM function A The next step is to lodge cheques into the opened zone. The user (officer) can exercise the above option to lodge cheques. Function : A (add)  press F4 Zone : Date / Zone Code  press F4 The full. screen will appear :

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Account Number: Input the 15 digit a/c no.  press Amount : Input total amount of the pay in slip  press F6 to go to the next block Now start entering details of individual cheques as per the sequence of : Instrument no.  Input Chq no. press MICR code  Input 9 digit micr code  press Cheque Tran code  Input tran code (10, 11 etc)  press Cheque Amount  press Ctrl +

* Note : The first cheque amount gets defaulted to the pay in slip amount which is helpful in case of a single cheque in the pay slip, If there are more than one cheques in the pay in slip, change the amount in the first instance to the actual cheque amount and keep on entering as per the sequence for as many number of cheques in the pay in slip. *  press Ctrl + after entering particulars of each cheque, else the system does not validate the details entered. Once all the cheques in the pay in slip are entered  press F10 to commit . Take care to note the set number (system generated scroll no.) on the pay in slip. If there is a mismatch between the pay in slip total and the amount of the cheques entered system will pop a message saying so. Identify the wrong entry and make the necessary change. Please note after flashing the mismatch warning the system will still allow you to save the transaction if you press F10 to commit. This part transaction created can be modified later. * Caution : The system generates a set number in the beginning as soon as you enter the OCTM option . If you do not enter any cheques and quit, that set number is lost . A new set number is generated the next time you enter the OCTM option. Hence exercise care not to waste set numbers by entering OCTM option and quitting it without entering any details.

Step 3 :Verify cheques lodged : OCTM (V) This option is to be used for verifying the cheques set number wise. The user (supervisor) has to verify the cheques lodged into a particular zone. The following screen is displayed : Scr:

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(to toggle between the blocks use F6 (next) and F12 (previous). The control (small black box on the left of the screen) moves between the pay in slip details and cheque details. There is one more way of verifying cheques in batch verification mode using the OCTV option. Here the user has to indicate the zone code / date , start set and end set no.. The user will not be shown any details of the instruments lodged and it will be a blind verification for the zone (not advised). Step 4 : Suspend a Zone : MCLZOH function S Once all the instruments are lodged and verified the zone has to be suspended for further processing of the zone. Suspension is done to ensure that no more changes are done to the already entered instruments Once the option has been exercised no further lodging of cheques under this zone is allowed. (screen is the same as MCLZOH – O above) Revoke Suspension of Zone : MCLZOH functionV . It may so happen that a few more cheques may have to be lodged after the zone has been suspended. In order to do so the suspension of the zone has to be revoked with the above option. Then lodge the cheques using OCTM option A (as explained earlier).

Step 5 : Release to Shadow Balance : MCLZOH function R

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This option is to be exercised on the day you receive credit from RBI. This option generates accounting entries wherein the system debits your outward clearing a/c and credits the individual clients a/c automatically. Please note these credits are posted as unclear balance and cannot be withdrawn without a System Exception entry being generated. (screen is the same as MCLZOH – O )

Step 6 : Mark Pending Cheques : MARKPEND This option is very important and is used when returns of cheques lodged in clearing are received. The system withholds transfer from unclear balance to clear balance of those cheques, which are selected under MARPEND. Such withholding can be done on the basis of various criteria like Zone code or Instrument no. or Bank Code or Amount etc. The system throws up all relevant entries based on the input criteria . The user has to choose the relevant entry and MARKPEND the item by  pressing Shift + F4 (after which a small * appears on the selected item) and then  press F10 to commit the selection.

Scr :

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* Tips: Using this feature clear balance credits of cheques pertaining to all branches of a particular Bank or some specific branch of a Bank, can be withheld . Here input criteria will be the concerned Bank or branch . The system will display all cheques lodged under that Bank / branch. Select the relevant items by pressing  Shift + F4 and finally  press F10 to commit your selection.

REVPEND : Revoke Pending Instruments which are marked pending, can be revoked on normalisation (of strike etc.), by using this menu option. The screen displayed when the option is used is the same as above and the user can selects records based on various criteria explained above. Select the relevant items by pressing  Shift + F4 and finally  press F10 to commit your selection

Scr : (same as above)

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Step 7 : Regularise the Shadow Balance : MCLZOH function G This option is to be exercised only on the day the returns are known . The system converts the unclear balance to clear balance and the party can withdraw the funds. No accounting entries are involved here and the system just converts unclear entries into clear balance. The items selected under MARPEND are ignored for regularisation. (screen is the same as MCLZOH – O )

OTHER FEATURES : Transfer of Lodgements : MCLZOH (T) or TROFSETS. It may so happen that due to a sudden strike or non participation by Banks, the clearing operations would have been suspended at the clearing house. But till then branches may have lodged cheques in a zone. It would be impractical to delete the cheques and re-lodge them all over again. Hence by using the above option, all instruments which are lodged for that days clearing under a particular zone can be moved to the next days clearing zone. UNLKZ – Unlock Zone. During various operations of clearing if the user gets a fatal error for any reason whatsoever, the zone may get locked and the user may start getting messages like “ Zone locked, try later”. In such a situation the user will have to use the above option to unlock the zone and continue further operations. INQUIRIES : The following inquiries are available as a part of outward clearing. Various criteria selections have been provided for the user to have a lot of flexibility in selection of records.

Inquiry into the zone opened for a given day : MCLZOH function I . This option gives details on the status of a zone opened, what amount balance etc, whether regularized or not.

is under shadow

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Inquiry on the basis of set numbers : IOCLS. This option gives the following details :

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Inquiry / Components of the shadow balance of an account : ACSBIO. This option gives the following details

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OPQ – Inquiry on the basis of Part Transactions . This option gives the following details:

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OIQ : Instrumentwise Inquiry This option gives the foll. details :

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REPORTS: PCLSO : Print Clearing Schedule :

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PWO: Print Clearing Waste.

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VALDRPT : O/W Val Date Report

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Summary : Outward Clearing The following flow chart will explain the steps, which are necessary to process a zone opened under Outward clearing.

Open Zone MCLZOH [O]

Lodge Cheques OCTM [A]

Verify Cheques OCTM [V]

Suspend Zone MCLZOH [S]

Release to Shadow Bal. MCLZOH [R]

Mark Pending MARKPEND

Regularise Shadow Bal. MCLZOH [G]

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INWARD CLEARING : Inward Clearing activities have been divided into Zones. The following zones have been created in the system, which will be common throughout the Bank. Each branch will have to choose and open on a daily basis the clearing zones, applicable to them . Clg Code HV IB MICR

Zone

Description High Value InterBank Micr Dividend Warrant (specific only to Mumbai City, can also be used by other branches if they have two types of MICR clearing in a day for e.g. in Pune.) Non Micr Clg (Manual Clearing)

DW NMICR

For e.g. Nariman Pt., Mumbai will open HV, IB, MICR and DW zones daily to process their Inward Clg., whereas a branch like Surat which has only one Manual clg will open NMICR zone only on a daily basis. In Finacle there are only two commonly used menus to process Inward cheques : A) ICTM (functions : A , V) B) MICZ (functions : O , S ,V , T , P , Z )

Menu

Option

Menu

Option

ICTM

A (Add Chq)

MICZ

O (Open zone)

ICTM

V (Verify Chq)

MICZ

S (Suspend zone)

MICZ

V (Validation Run)

MICZ

T (Validation Report)

MICZ

P (Posting Run)

MICZ

Z (Zone Close)

Now let us see what each of these options do and how we lodge cheques in Inward Clearing :

Step 1 : Open A Zone : MICZ function O

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Opening a zone is the first step in the Inward Clearing process. The user (preferably supervisor) has to necessarily open the zone to be able to enter instruments into that zone. Scr:

Function : O (open)  press F4 ;

Sol Id :Your Br. Code appears by default

Zone : Zone code / Date  press F4

( * date to be input is the posting date)

Point the mouse on and enter only the foll. fields (general details) as the rest of the values are defaulted to your branch. BA(R) Num / Date : Input 1 /  Press CTRL + X (i.e current date)  press Total Inst BAR : Total no. of cheques in Inward  press Total Amt BAR : Total amount of Inward in rupees.  press F4 The cursor shifts to the option box where you have the foll. choices :

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G- General details. ( the current screen) S - Statistics ( gives break up of postings into various a/c’s, useful after Posting Run) * For opening of the zone only G option needs to be filled (as explained above)  press F10 to commit. Your zone is now open and you can start lodging cheques into it. Step 2 : Add / Enter Cheques in the Zone: ICTM function A After opening the zone, the user (Officer) can start entry of instruments after exercising the above function. The screen is as follows Scr

Function : A (Add)

Sol Id : defaulted to your branch

Zone : Enter the required zone code / defaulted to SOD date  press F4

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The foll. screen appears : Scr.

Account no. : Enter 15 digit a/c no.  press Instrument no. : Enter the cheque no.  press Amount : Enter amount of the cheque  press Pay to : Enter payees name  press F9 to view the signatures of the account.

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If you would like to enter the other optional fields like Inst date ( systems validates chq being stale / post dated if entered), bank code etc. press F11 after inputting payees name. If you do not want to enter the optional fields  press F4 directly after entering Payee details. The record gets added in the system if there are no exceptions else the system will flash a message showing exceptions like chq not issued to the a/c or insufficient balance. If you would like to return a particular cheque for whatever reason , enter the cheque as usual but modify the foll. fields to : Carve = N Reject = I  press F6 . (The system will prompt you to enter certain details which have been explained later under Inward Rejects) You will also notice that the following fields get populated by default. : Tran code : Chq tran code is picked up by default depending upon the account type i.e Saving’s 10, Current 11 and so on. Inst Type : Chq is defaulted Carve : Defaulted to Y. Under carving the system keeps on apportioning the amount of the cheque as and when it is entered and reduces the available balance to that extent from the clients account. Reject : Defaulted to N ( i.e. the chq is not to be returned ).

* Note : After all cheques have been entered or if you want to quit the data entry and perform other tasks you can either  press F3 or F10. Do not fear even if you press F3 by mistake at any stage all your postings will not get auto reversed as in Branch Power. Each entry is saved in the system as soon as you press F4. If there are any further cheques to be entered after you have quit, then use the ICTM (A) option and continue with the data entry of the additional cheques. If you wish to modify any particulars of previously entered cheques use the ICTM (M) option.

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In case of Demand Drafts and Pay orders additional details screen will have to be visited wherein details like Issuing Bank/ Branch etc. will have to be input. Tips : In case the account no. is repetitive (same) over a number of postings and the chq amount may or may not be the same then instead of pressing F4 after entering the payees name you should  press F8 . You will notice that the previous entry gets updated in the system and the same line gets repeated again. You may now change only the instrument no. or the payees name as applicable. Step 3 : Verification of entered instruments : ICTM function V. The user (supervisor) has to exercise the above option to verify the records entered, where he will be taken to the following screen . Scr.

Based on the selected criteria the system will display the concerned records. If all records are to be displayed  press F4. The system would have selected all records for verification by default (* mark in the beginning).

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In case you would not want to verify a particular record take the cursor to that record by  pressing Shift + and then deselect it by pressing Shift F4. All * marked records will be verified on  pressing F10.

Tips : The ICTM option I (inquiry) and V (verify) are very powerful search tools . While verifying / inquiring you can narrow down the selected records based on the criteria entered in the above screen. For e.g you would like to view all cheques debited / carved in inward clearing for a particular account only, then use the Account no. criteria. If you would like to view / verify records with exceptions only use the Select All – X (option), without exceptions – E (option). Only the relevant records will be displayed/selected. Step 4 : Suspension of Zone : MICZ function S After all records are entered and verified, the user (supervisor) has to suspend the zone by using the above option. This step is mandatory and is done to prevent any unauthorized modification/additions into the zone and to enable further steps to take place as explained below. Scr is same as MICZ – O (open) zone Revoke suspension : MICZ function R In case further cheques have to be added or existing details are to be modified the zone suspension can be revoked by using the above option. Scr is same as MICZ – O (open) zone Step 5 : Validation Run : MICZ function V This is process to be exercised by the user (supervisor) before initiating the process of posting the cheques into the account. This process generates a report which indicates all the possible errors/ exceptions the system is going to meet when trying to create transactions and post the same into the various accounts .The user has to carefully go through the report and take appropriate actions to overcome the errors/exceptions without which the transactions cannot be posted. Such exception transactions will be in entered status only and the user has to initiate the transaction maintenance screen and post it separately. The validation run can be run any number of times. The report file is available in the background menu option (F5). Scr 1 is same as MICZ – O (open) zone

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Scr 2 is shown below.

Input the relevant criteria . In the template file input iclg_val.mrt. Step 6 : Posting of cheques into the accounts for the zone : MICZ function P When all the above processes are over, the user can initiate posting of the zone. Please note this process creates transactions into the account i.e it debits the client and credits system interim inward clearing account (dummy suspense a/c) . Posting of transactions depends on

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the availability of funds, exceptions encountered etc. This process also generates a report of the transactions posted, failed etc. The file will be available in the background menu (F5). Post run also can be initiated any number of times. After initiating the post run, again the zone can be reopened ( revoke suspension MICZ - R ) for modification, verification etc. and again reinitiate post run of the zone. Scr is same as MICZ – O (open) zone Step 7 : Closure of zone : MICZ function Z This is the last step in the inward clearing process. The user (supervisor) has to close the zone to ensure that no further operation is initiated on that zone. By exercising this option the system reverses the amount lying in the Interim System Inward clearing a/c by debiting the system interim inward clg. a/c and crediting the branch Inward clearing account ( BBB 36200 000001 ). Scr is same as MICZ – O (open) zone * Note : UNIZ: Unlock Zone. If for any reason during the inward clearing process, the system throws up a fatal error, the process gets terminated abnormally and the zone gets locked. In such a case the user will not be able to carry out any further processes. The above option will have to be used to unlock the zone. Short Claim : (Cheques received unlisted). In the event of cheques being received in excess of the RBI control figure (i.e total debits to the client is more than the bar amount under finacle) then : Modify the Tot Inst BAR and Tot Amt Bar in MICZ – M option to include the totals of unlisted cheques . In the ICTM option A screen debit the cheques and after inputting the payees name  press F11 and then F6 and go to the next screen Modify the fields to listed = N and received as Y (defaulted). (as shown in the screen below)

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Scr

press F6 twice to come back to the original screen press F10 to commit. Verify the instrument ICTM [V].

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

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118

OUTWARD REJECTS : (cheques deposited by our clients returned) Cheques which have been lodged in Outward Clearing (i.e. cheques deposited by your clients) if returned by the concerned Banks, is called an Outward Reject. These returns are processed in the Inward Clearing Module for which separate Return Zones have been created as shown below : Clg Zone Code HVRTN FRRTN MIRTN NMRTN

Description High Value Returns Area Return (specific only to Mumbai City for Fort Area) Micr Return Non MICR Clg. Return (Manual Clearing Return)

To process the Outward Rejects first MARKPEND the concerned cheques (refer markpend option explained earlier). Open the concerned return zone by using the option MICZ [O]. Input only the chq no. and Reject field as O (i.e outward reject)  press F6 .

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The system will automatically pick up the relevant cheque based on the information input and flash all the details as regards the drawee Bank / branch /client a/c no. etc. press F6 Input the return reason code (of the other Bank)  press F6 to return to the main screen and  press F10 to commit. Run all the processes applicable under the Inward Clearing module. The system automatically debits the client and credits the branch Outward Reject account (BBB 36100 000002 ) and also deducts the necessary charges. The following Inquiries and Reports are available for Inward Clearing and gives the foll. details: . Menu : DTCS Tran code

Total no.of Instmnts

Total Amount

Menu : PICS Tran Code

Chq No.

Amount

Menu : PICW Print Display / Media List (applicable only for seeing details in floppy upload mode)

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Flow Chart : Inward Clearing The following flow chart will explain the steps, which are necessary to process a zone opened under Inward clearing.

Open Zone MICZ [O]

Lodge Cheques ICTM [A]

Verify Cheques ICTM [V]

Suspend Zone MICZ [S]

Validation Run MICZ [V]

Post Run MICZ [P]

Close Zone MICZ [Z]

Accounts maintained at the Branches for entire Clearing Activities : For Outward Clg. Outward Clearing a/c Outward Reject a/c

BBB36100000001 BBB36100000002

For Inward Clg. Inward Clearing a/c System Intermediary a/c Inward Reject a/c Clearing Receivable a/c Clearing Payable a/c Chq. Return Charges a/c

BBB36200000001 BBB36200000003 BBB36200000002 BBB36200000004 BBB36200000005 BBB46800000004

Entries in Outward Clg.

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Manual entry to be passed at Controlling Br on receipt of Clearing control fig. from RBI/SBI . RBI / SBI a/c O/w Clg a/c Controlling Branch. O/w Clg a/c at Branch 1 O/w Clg a/c at Branch 2

Dr Cr. Cr. (BBB 36100000001) Cr

On releasing to shadow balance the system passes automatically entries at Controlling Br. as well as individual branches : O/w Clg a/c of individual Branches Dr Customers a/c Cr For Outward Rejects Clearing):

( i.e. Returns of Cheques lodged by our Clients in O/w

Entry passed only at Controlling Br. on Debit for Returns from RBI/SBI .: O/w reject a/c Cont. Br Dr. O/w reject a/c at individual Branches RBI a/c Cr.

Dr.

Entry passed at the Controlling branch and Individual branches : Customer a/c O/w Reject a/c

Dr. Cr.

Entries in Inward Clg Manual entry to be passed at Controlling Br on receipt of Clearing control fig. from RBI/SBI . Inward Clg Controlling. Br. a/c Inward Clg. a/c Branch 1 Inward Clg. a/c Branch 2 RBI a/c

Dr BBB 36200000001 Dr BBB 36200000001 Dr BBB36200000001 Cr (RBI a/c no.)

System entry passed through Read Media Upload at the Controlling Br./ else if RMI is not available at the branch then the following manual entry. Debiting of Customers : Individual Clients a/c I/w Clg a/c

Cr.

Dr.

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

Dr BBB 36200000002 Cr. BBB 36200000001

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On Receiving credit for Inward Reject (returns of chq issued by our client) from RBI/SBI, the entry will be passed only at the Controlling Br to wipe out outstanding figures (on a/c of above entry) in Inward Reject a/c’s of Individual Branches. RBI / SBI a/c I/w Reject a/c Controlling. Br. I/w Reject a/c at Branch 1 I/w Reject a/c at Branch 2

Dr. Cr.

Cr. Cr.

For Excess Instruments received in clearing (Short Claim by RBI/SBI) Customer a/c Clg. Payable

Dr Cr. BBB 36200000005

(When Claim is recd from concerned Bank subsequently) Clg Payable a/c Pay Order a/c

Dr. BBB 36200000005 Cr.

For Instruments received less than stated in RBI/SBI listing RBI/SBI )

(i.e excess claimed by

(If cheque does not pertain to our Bank/ or if client cannot be traced on basis of the cheque number) Clg Receivable a/c I/w Clg a/c

Dr. BBB 36200000005 Cr.

(If cheque no. is traced to our client) Customer a/c I/w Clg a/c

Dr Cr.

JOB CARD FOR OUTWARD CHEQUES FOR COLLECTION (OCC/OBC) General : Under Finacle Outward Cheques for collection are recorded into Registers, which have been opened in the system. The following Register has been set up for cheques received by a branch for collection. IOCC – Inland Outward Cheques for Collection,

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The IOCC Register has been further divided into two Sub Registers i) ii)

CHQOU : Cheques sent to centers where we have a branch. CHQOT : Cheques sent to centers where we do not have a branch. (i.e. sent directly to the Drawee Bank).

Finacle has only one menu i.e BM through which all transactions for sending cheques (lodging), realization , charges etc. are processed. By exercising the various functions (listed below) under BM we will see how cheques are lodged.

Function Code

Description

G R N D M C V Z I

Lodging a cheque into the Register. Realisation of cheque proceeds. Cheque dishonored (Returned). Delete cheque lodged (before verification). Modify lodgement details. Copy details from another lodgement. Verify the lodgements. Close OCC record on dishonor Inquire on a verified bill.

Step 1: Lodge the Cheque into the system (i.e. by maker) 1.1 Enter BM in the menu box On inputting BM in the menu box the following screen will appear.

Screen BM

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(Pl. note this is a common menu for bill lodgement also in Trade Finance. You may find a lot of fields, which are irrelevant. It is advised that you fill in only those fields, which are shown :)

1.2

Follow the steps as mentioned below.

Field

Instructions

Function Code

G (lodge)  press F4

Reg Type

Input IOCC  press F4

Reg Sub Type

Input either CHQOU or CHQOT depending on where the cheque is being sent (i.e to our branch -CHQOU or the drawee bankCHQOT)  press F4

Bill Amount

Cheque Amount  press

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Date :

Date of the instrument  press

Lodger A/c

Enter the 15 digit a/c no. of the client  press F11

Drawee Address

(point the mouse on the third box and enter the name of the Bank  press Input the address on the cheque.  press Enter your Bank code (i.e IBKL) Enter your branch code (address will be populated by default). Enter the cheque no.  press F4. (If you do not input this field you will not be able to do any inquiry on this criteria) and then  press F10 to commit the record.

Collecting Br Lodger Ref :

Your cheque has now been lodged. Note the system generated bill number on the covering letter and the voucher. 1.3 a. Caution:

b. Tips:

As in Outward Clg. entering the lodgement option generates the Bill Id number at the start, when entering into the option itself and quitting it without any valid inputs will result in a waste of one number. Whenever inputting the Bill Id you need not key in the entire no. Just key in IOCCNNNN. The complete no. will get populated. If you have a number of cheques to be lodged for a particular Bank/branch use the C (copy) option instead of G (lodge).The system will display the previous lodgement details under a particular subregister. You need to change only chq amount and cheque no.

Step 2 : Verification of lodgement (i.e. by supervisor). The next step is to verify the cheques lodged. Enter BM in the menu box. The screen BM shown earlier will be displayed. 2.1 Perform the following steps Function code

V (verify)  press F4

Bill Id

Input the OCC no.  press F4. (If you do not know the number press F2, all pending lodgements will be displayed)

Option

M (General details).View the lodgement details press F4 twice and then F10 to verify the record.

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The Lodgement is now verified

The system simultaneously passes the following Contra entries : Cust Cont. Chq/TC (INR) – Dr (BBB 93600 000001) Bk Cont. Chq/TC (INR) sent on coll – Cr (BBB 98600 000001)

Step 3 : Realisation of OCC (i.e by maker). The next stage is at the time of realization of proceeds. Enter BM in the menu box . The screen is the same as shown earlier. 3.1 Perform the below mentioned steps Function code

R (realization)  press F4.

Bill Id

Enter the OCC no.  press F4.

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The following screen will be displayed : Screen 1.0

128

Screen 1.1

3.2 For Realisation of proceeds there can be various possibilities, which require different treatment i.e : A) Cheques collected by our Bank’s Network 1) Credit of proceeds to FTS a/c . B) Cheque sent directly to the Drawee Bank. Let us now examine them one by one :

A) Where the Chq has been collected by our Branch Network Collecting branch credits proceeds to FTS a/c of the other branch : Follow the below mentioned steps

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Tran type/ Sub type

 press F4 ( you will come to screen 1.1 with cursor in the option box ). Use Ctrl + or arrow to view the various charges automatically computed by the system. You will notice that commission and postage has been automatically recovered. In addition FTS a/c is also debited and parties a/c has been credited. In case you require to modify the charges recovered, Input M on the relevant part tran and  press F4. You can go ahead and modify the charges. If you want to waive a particular charge use the D (delete) option in the option box on that part tran you want deleted and  press F4. A listing of the various entries being passed by the system is available on using the L option.

Option

Finally after you have viewed the various details input A (accept) and press F4 in the option box to accept (you may press F2 for the list of various options) which will take you back to the main screen  press F10 to commit the record.

B) Where the Chq has been sent directly to the Drawee Bank and realization proceeds are received by way of a Demand Draft. The demand draft received should be lodged in clearing to the credit of Funds transfer suspense a/c. After credit has been received into FTS follow the below mentioned steps: Tran type/ Sub type Other Bank charges

 press F4 ( you will come to screen 1.1 with cursor in the option box ). Input the Collecting Bank’s charges. press F4 (you will come to screen 1.1) Use Ctrl + or arrow to view the various charges automatically computed by the system. You will notice that commission and postage has been automatically recovered. In addition FTS a/c is also debited and the parties a/c has been credited. In case you require to modify the charges recovered, Input M on the relevant part tran and  press F4 . You can go ahead and modify the charges. If you want to waive a particular charge use the D (delete) option in the option box on that part tran you want deleted and

130

 press F4.You will notice that the Ref indicator for that part tran becomes N A listing of the various entries being passed by the system is available on using the L option. Option

Finally after you have viewed the various details input A (accept) and press F4 in the option box to accept (you can press F2 for the list of options) which will take you back to the main screen  press F10 to commit the record.

Step 4 : Verification of Realisation (by supervisor) The next step is to verify the cheque realisation. Use the option BM in the menu box. The screen BM shown earlier will be displayed. Function code

V (verify)  press F4

Bill Id

Enter the OCC no.  press F4. (If you do not know the number press F2. All pending verifications will be displayed) R (Realisation details). View the realisation details press F4 twice .

Option

In the option box use Ctrl + and arrows to view the details of transactions created. Note down the SDC no for posting it later. Input A in the option box to accept and press F4 to come to the main screen and press F10 to commit the record. The Realisation is now verified. The charge (commission and postage) entries are in entered status only. Hence use the TM option to post them after inputting the relevant SDC number. Posting/verification of the entry happens together.

The system simultaneously passes the following Contra entries : BK Cont. Chq/TC (INR) sent on coll – Dr (BBB 98600 000001) Cust Cont. Chq/TC (INR) – Cr

(BBB 93600 000001)

The OCC status for that particular record is now Closed.

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OCC Cheques Returned The following steps are to be followed in case of return of OBC cheques : Input BM in the menu box. Function code

N (dishonor)  press F4

Bill Id

Input the OCC no.  press F4.

Option

N (dishonor)  press F4 (screen 1.0) will appear.  press F4 again (screen 1.1) will appear. You will notice that the system will recover only * postage charges. Input A in the option box  press F4 and then  press F10 to commit the record. * Return charges / commission may be debited separately by accessing the TM menu

The above record has to be verified by the supervisor (verification of realization as shown earlier). The only difference is that instead of viewing realization details, the user has to view dishonor details (N). This OCC record has to be force closed by using the Z option in BM menu. On entering the screen  press F10 to commit the closure. The above step has also to be verified (as shown earlier). After inputting the V option press F10 to complete verifying closure of the bill.

The system automatically passes the reversal contra entries.

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Inquiry Options : For any inquiries on OCC status use BI (Bills Inquiry) in the menu option box. The following screen will appear :

This option is a very powerful search tool and will display records based on the criteria input by the user.

Printing of Covering Schedule : Finacle has the option of printing the covering letter, which is sent to the Collecting Bank/ Drawee Bank. Use the BCSI option for the covering letter sent to our Bank/ Branch and BCSO for sending letters to the drawee bank. Based on the input criteria the system will print, the covering letters. The screen is common for both options and is shown below :

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134

JOB CARD FOR DEMAND DRAFTS AND PAY ORDERS FOR SINGLE ISSUE OF DEMAND DRAFT/PAY ORDER 1. Go to TM option

1.1.

Input Details as mentioned below

1. Function 2. Type 3. 4. 5. 6.

“A “ For putting a DD Transaction “ C” for Cash Receipt & “T” for transfer from A/C “ NR” For Cash receipt & “CI” for TR from A/C Put the DD account No F2 help available Enter The amount of DD Enter C

Sub Type A/C No Amount Debit / Credit 7. Particulars Enter the particulars of Purchaser 1.2. Press F4 to go to next screen depicted below 1.3. Feed particulars as mentioned below

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1. Create Dr Part tran 2. City name 3. Drawn On 4. Payee Name 5. Purchaser A/c no 6. Purchaser name 7. Print option

In case of Cash it is system defined else say “Y” Place on Which the DD is Drawn Branch Code F2 help available Payees name will be Input In “Transfer” from a/c A/c No of Purchaser to be Put. For Cash DD details of Purchaser required Enter “L” for later Or “I” for immediate

FOR MASS ISSUE OF DD/PO THE OPTION IS DDMI 1. Go for option DDMI for issuing DD in bulk 2. Screen below will pop up

2.1. 1. 2. 3. 4. 5. 6. 7. 8.

Follow the steps mentioned below

Function Tran Type Sub type Cheque DD A/c No Pur A/C no Amount Drawn On bank & Branch 9. Payee name

“A” for input of Mass DD issue “T” Transfer from account “CI” for customer induced Enter the cheque No DD account No will be Given Enter the Customers A/c No & press F6 Amount Of DD to be Entered IBKL & enter the Branch code Enter the Payee name. Press CTR + Down arrow for Next DD particulars

2.2.

Note the Transaction Number on the Voucher

2.3.

After entering all the DD details Press F10 for saving the transaction.

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DD PRINTING 1. After Posting the DD transaction Thru the TM mode, the DD Printing can be done only by a person holding the DD Inventory in his ID. This implies that TM for DD can be posted by any user, but Printing of the DD will be done only by the person who is Holding the DD inventory. 2. DDPRNT- Menu option for DD printing

3. 3.1 Enter particulars as given below 1. Tran no 2. Sub type 3. Date

Enter The Transaction No generated by the TM Enter 1 Enter the Date & press F4

4. All the details of the DD would appear on the screen along with the DD no which will be generated by the System, however you can change the DD no. Press F10 & DD will be printed. 5. In case the DD is not printed properly, it can be reprinted.

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FOR CANCELLATION OF DD/PO. 1. Enter menu option - DDC

1.1.

Enter particulars given below.

1. 2. 3. 4. 5.

Function DD No DD ISSUE DT Tran Type Create Srv Chg Tran 6. DD amount 7. Inst Type 8. Inst number 9. Drawn on 10. Inst Date 11. DD A/c No 12. Pur A/c No 13. Pur Name 14. Ser Charges Amt 15. Remarks 1.2.

“C” for cancellation for DD/Payorder. Enter The DD no. and press F4. Enter the DD issue date Enter “ C “ for Cash & “ T “ For transfer “ Y ” to be entered for taking cancellation Charges Amount of the DD should be entered DDD to entered DD Number to be entered Name of the Branch on which it is drawn Date of the instrument Account No of the DD The account No of the Purchaser. Not applicable in case of cash. Name of the purchaser System Calculated Amount Remarks if any can be given

Enter F10 to commit.

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FOR ISSUE OF DUPLICATE DD 1. Mark the DD as lost in the menu option DDLOST. 2. Go to the menu option DDLOST

2.1.

Enter the particulars given below

1. DD No 2. Date of Issue 3. Non payment advice /req 3.1.

DD no of The Lost DD will be given Date of Issue of the Lost DD will be Given Put Y for advice or else N.

After giving the above details press F4, & then press F10 to commit.

Flow Chart For Money Equity Is the customer new or existing

If Yes, find out the customer ID

If No, open customer master and keep the customer ID ready

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Accept Security, Set limit, Margin and link to the account Release Of Security(SR M)

Now issue cheque book (ICHM)

Go to OAAC menu, Key in “o” as the function for opening the account.

Transaction Posting ( TM )

Penal Interest for overdues (System applies at 2%)

Limit Maintenan ce (ACLHM)

Intt Application and Closure of Account. (CAAC)

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SCREENS AND STEPS FOR OPENING MONEY EQUITY ACCOUNT 1st Screen(OAAC) 1.1 Type “OAAC” in the Menu option and press Enter. Following Screen comes up.

1.2

Follow Under Mentioned Steps Cursor Position Function Customer ID

Value To be typed O (Not Zero) Enter the ID of the customer for whom the account is being opened Currency Code INR GL Subhead Code Enter the GL Sub Head Code Scheme Code Enter the scheme code Permanent A/C No Leave the field blank. In our Bank, A/C No is system generated Copy A/C No Leave Blank Option Code Enter ‘G’ Cursor moves to screen 2

Action F11 F11 F11 F11 F11 F11 F4 F4

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Follow the undermentioned steps

NOTE: The name of the account, short name, account manager etc shall appear by default in the screen even before you enter any detail. These details are populated from the customer master (Customer ID). Do not change them unless otherwise required. STEPS ON NEXT PAGE

142

1.3 Follow Undermentioned Steps:Cursor Position Acct Name

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

Action F11 F11 F11 F11 F11 F11 F11 F11 F11 F11 F11 F11 F11 F11 F6

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Follow the undermentioned steps Screen- 3 (OAAC)-General Details

1.4 Follow Undermentioned Steps:Cursor Position Value To be typed Pass book /Statement Enter S for statement / P for pass book Frequency of Q/blank /blank /2/N statement Local Calendar Enter N Despatch Mode Enter Q for courier, P for Post, C for collection Next Print Date DD / MM / YY. Download To PBF Default Value- N. Do not change it Pay interest Enter N Collect interest Enter Y Customer Preferential Enter Preferential if any approved (Dr / Cr) Account Preferential Enter Preferential if any approved (Dr / Cr) Interest Cr A/C Flag ENTER ‘S’ Interest Dr A/C Flag

ENTER ‘S’

Action F11 F11 F11 F11 F11 F11 F11 F11 F11 F11 F11 F11

144

Interest Rate Code

The code shall be appearing by default. If any change is required, do so by pressing F2 and selecting appropriate code. Account Pegged If the agreement is for Fixed Rate, ‘Y’ If the agreement is for floating rate, “N” Pegging Review Date Leave Blank Pegging Frequency Leave Blank Cursor moves to screen-4 Follow the undermentioned steps Screen- 4 (OAAC)-General Details

F11

1.5 Cursor Position Contact Phone No Interest Calculation Freq Dr Next Int.Calc.Date Dr

Action F11 F11

Value To be typed Enter the Phone No Please do not change the default value

Please leave unchanged TDS Operative Account Not Applicable Language Code Leave Blank Name in Language Leave Blank Code Cursor moves to screen –5

the

default

value

F11 F11 F6

F11 F11 F11 F6

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Follow the undermentioned steps Screen- 5 (OAAC)-Scheme Details

1.6 Cursor Position Value To Be typed Option Code Change the value to ‘S’ Dr. Balance Limit Enter the sanction amount Max.Allowable Limit Enter the sanction amount Credit file no Enter the credit file no Debit Acknowledgement Enter the date of loan documents / Date revival letter, whichever is latter ECGC Cover Enter N ECI premium Dr A/C Leave Blank Due Date Leave Blank Extd Due Date Leave Blank Tax Category Default Value- N, leave it unchanged With Holding Tax borne by Leave Blank Cheque Allowed Enter ‘Y’ Charge for cheque issued Enter ‘Y’ Return Paid Cheque Enter ‘N’ Paid Cheque Return Freq. Leave Blank Avail Nomination Facility Enter ‘N’ The cursor moves over to Screen No-6

Action F4 F11 F11 F11 F11 F11 F11 F11 F11 F11 F11 F11 F11 F11 F11 F6

146

147

Follow the undermentioned steps Screen- 6 (OAAC)-Scheme Details

1.7 Cursor Position Customer/Account Health Code Interest Amount (for transferred accounts) Cursor moves to screen 7 Option Code

Value To Be typed Enter the valid value

Action F11

Leave blank for all new accounts. In case of transfer accounts, enter the interest accrued

F4

Change the value to ‘A’ for related party details

F4

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Follow the undermentioned steps Screen- 7 (OAAC)-POA/AS/LA Details

1.8

Most of the details here shall have been populated from the Customer Master. If you need to enter any details / modify any field, you can do so and there after press F4. Note: Here we can add any number of records by going back to option code and entering ‘A’ and pressing F4. Details of partners and guarantors can be entered here. The cursor shall move to option field. Here enter ‘V’, press F4 and move over to screen 8.

Follow the undermentioned steps

149

Screen- 8 (OAAC)-Advance Details

1.9 Cursor Position Sector

Value To Be typed

Press F2, Select Shift+F4 Sub Sector Press F2, Select Shift+F4 Occupation Press F2, Select Shift+F4 Borrower Press F2, Select Category Shift+F4 Purpose of Press F2, Select Advance Shift+F4 Mode Of Adv Press F2, Select Shift+F4 Type Of Press F2, Select Advance Shift+F4 Nature Of Press F2, Select Advance Shift+F4 Guarantee Press F2, Select Cover Code Shift+F4 Option Code Enter H The Cursor move over to screen -9

appropriate

code

by pressing

Actio n TAB

appropriate

code

by pressing

TAB

appropriate

code

by pressing

TAB

appropriate

code

by pressing

TAB

appropriate

code

by pressing

TAB

appropriate

code

by pressing

TAB

appropriate

code

by pressing

TAB

appropriate

code

by pressing

TAB

appropriate

code

by pressing

F4 F4

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Follow the undermentioned steps Screen- 9 (OAAC)-Sanction Limit Details

1.10 Cursor Position Applicable Date

Value To be typed

This field would be blocked. No need to enter any value Limit Level Enter ‘N’ if the account has a single limit or more Interest than one limit with all the limits having same interest rate. Otherwise, ‘Y’ Sanction limit Enter Sanction Amount Supercede This would be blocked Sanction Date Enter date of Sanction Expiry Date Enter the date on which the account is supposed to be fully repaid. Penal Interest Enter the grace period if any, after which penal From interest would be charged, in case the loan is not repaid Document Date Enter date of documents Review Date Enter date When the account is due for review

Action F11 F11 F11 F4 F11 F11 F11 F11 F11

151

Normal Interest Penal Interest Security Description Remarks Sanction Level Sanction Authority Sanction Ref

In case you select the limit level interest as “Y”, this field would be available for modification. Here enter the normal interest rate In case you select the limit level interest as “Y”, mention the penal interest rate Say House / Flat / Car / etc

F11

Enter Remarks if any Press F2, select by pressing shift + F4 Press F2, select by pressing shift + F4

F11 F11 F11

Enter the reference no. of CO / RO / Branch sanction The Cursor move over to screen -10

F11 F11

F4

Follow the undermentioned steps Screen- 10 (OAAC)-Drawing Power/DACC Details

1.11

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Cursor Value To be typed Position Drawing Power D if derived from securities. Normally for Indicator secured EMI loans, share loans, loans against FD, etc, it would be D Drawing Power% Leave the default value of 0.0000 as it is Limit Id Leave Blank DACC limit Leave the default value as it is Percentage Leave the default value as it is A/C Recalled Enter ‘N’ Remarks Enter remarks if any

Action F11 F11 F11 F11 F11 F11 F4

1.12 Cursor goes back to the option field. Now press F10 for committing the details. Screen no-11 shall come up displaying the account number.

153

An Aid to Navigation for the Loans & Advances Module

154

INDEX Corporate Banking Sl. 1

Subject Customer Master

2 3 4 5

Current Account – Escrow Accounts – TRAA Accounts Frequently Used Keys Transactions – DD, Pay Order. Standing Instructions Overview of Advances & Schemes

6

7

Overdraft Accounts a) Money Equity b) Opening of Account c) Setting up of Sanction Limit d) Linking of Securities e) Modification of Sanction Limit f) Release of Securities g) Transaction Posting EMI Loans

8

a) Opening of Account b) Setting up of Disbursement Process c) Flow Concept d) Disbursal e) Repayment Schedule f) Linking to Securities Overdraft Against Term Deposits

9

a) Opening of OD Account b) Linking up of Interest Rate c) Setting up of Limit d) Linking of OD A/c to FD A/c e) Lien Enquiry / History / Closure Term Loans

10

a) Term Loans b) Foreign Currency Loans NCDs

11

MIBOR Bonds

12

Preference Shares

13

Rephasement of Term Loans

14

Limit Node Maintenance

Date 05-032001

06-032001

06-032001

07-032001

07-032001 08-032001 08-032001 08-032001 08-032001 09-032001

155

15 16

a) Interchangeability of Limits b) Parent Nodes c) Monitoring of Individual and Group Exposures Security Register Maintenance

17

Interest Calculation / Interest Modification / Interest Modules TOD

18

Past Due Accounts – NPA Accounting - Provisioning

19

Closure of Accounts

20

Data Migration for Advance Accounts

21

Tools for Credit Monitoring (at branches)

22

a) Turnover In The Account b) List of accounts where inspections are 3months old c) Import LC devolved d) Report of Cheques Returned e) Message Code maintenance-Follow-up register f) Penal Charges For non creation of security through account / client preferential g) Letter Generation h) Report of Accounts Due For Review i) Report of Insurance Due For Renewal j) Automatic Penal Interest Application for overdues and Delay In submission of stock statements k) Account / Client Profitability l) TOD count during a period m) Loan Overdue Position Case Studies.

09-032001 09-032001 09-032001 09-032001 09-032001 09-032001 10-032001

10-032001

156

CUSTOMER MASTER (CUMM) The following fields need to be filled up during Customer Creation for Loans And Advances : Screen 1 – Option G Type Account Manager

To be selected by Pressing F2 To be selected by Pressing F2 – relationship manager’s ID must be selected To be selected by Pressing F2 – required for maintaining Group Exposure To be selected by Pressing F2 – required for generating Returns To be selected by Pressing F2 – required for generating Returns

Group Occupation Constitution Screen 3 – Option G Health Code Customer Rating As on

To be selected by Pressing F2 To be selected by Pressing F2 Date on which Customer Rating has been done to be keyed in Till what Date the Customer is entitled to any preferential rate, if any

Customer Preferential till Date

Screen 4 – Option G Customer Financials Details As On Financial Year End Month Business Assets Property Assets Investments Networth Deposits Limit with Institutions

Other

As On Fund Based Non Fund Based

Banks

Latest Financial Date of the Customer Key in the Month in Numericals Key in the business assets of the customer Key in Property Assets declared by the Customer Key in the Investments declared by the Customer as per the Application Key in the Networth of the Customer Key in the Deposits of the Customer / Key in the Limits enjoyed from other banks / institutions.(Fund Based & Non Fund Based) Key in the Date on which the above Limit has been taken Fund Based Limit with others Non-Fund Based Limit with others

157

158

GL SUBHEA D SCHEME DESCRIPTION

SCHM. SCHM.TYP CODE E 5 DIGITS

65100 65110 65330 65340 65370 65380 65390

OD / CC ( RETAIL) OD AGAINST FD-RETAIL CASH CREDIT - RETAIL IBPC-WITH RISK RET IBPC-WITHOUT RISK RET CC AGAINST CUSTOMER SHARE OD AGAINST OTHER SECURITIES WORKING CAPITAL DEAMND LOAN-RETAIL

RLODT RLCCA RICWR RICOR RLSHL RLOS RLWDL

ODA CCA CCA CCA ODA ODA LAA

65500 65510 65730 65740 65770 65780 65790

OD / CC ( CORPORATE) OD AGAINST FD-CORP CASH CREDIT-CORP IBPC-WITH RISK CORP IBPC-WITHOUT RISK CORP CUSTOMER SHARE LOANS-CORP OD AGAINST OTHER SECURITIES WORKING CAPITAL DEAMND LOAN-CORP.

CLODT CLCCA CICWR CICOR CLSHL CLOS CLWDL

ODA CCA CCA CCA ODA ODA LAA

67110 67110 67110 67110 67110 67110 67110 67110 67110 67110 67110 67110

SHORT TERM LOANS - RETAIL SHORT TERM LOANS -CLIENTS SHORT TERM LOANS -SPECIAL SHORT TERM COMMERCIAL LOANS/CLIENTS STLAdvance-> Under exceptions pl. ensure that following is appearing. idbibank.com;10.144.16.18 17.3 Continue clicking OK to close all windows. ****End of the documents*****

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