USE OF KEYS IN FINACLE

(WEB MODE)
KEY
Tab or
Enter
F1
F2
F3
F4

F5
F6
F8
F9
F10
F11
F12

FUNCTION
Go to the next field within a given block only
Help Single Line
Help - in the form of a list more than one line
Go back to the previous block /screen WITHOUT SAVING
(a) Go to the next block
(b) Go to the next Mandatory Field whether in the current block or the next block
(c) Validate and Accept the data entered in the previous fields
Go to the Background Menu
Go to the next page
Copy the value in the same field from the previous part tran (in the Menu TM)
View Specimen Signature in an account
Commit / Submit Saves the entered data in the database
Validates the data entered in any field
Go to the previous page (Reverse of F6)
COMBINATION OF KEYS

KEYS
CTRL+C
CTRL+D
CTRL+E
CTRL+F
CTRL+T
CTRL+U
CTRL+V
CTRL+X
SHIFT+TAB
SHIFT+F3
SHIFT+F4
SHIFT+F9

FUNCTION
Copy a highlighted data
Page down (Scroll down a list screen by screen)
Explode ( For more details)
Clear the field(Entire data in a field)
To view User ID
Page up (Reverse of CTRL + D)
Paste the previously copied data
Insert current or system date in a date field or maximum value in an Amount
field
Go to Previous field
Go to Main Menu screen WITHOUT SAVING
Paste a selected record from a list
Go to Memo Pad

Customer ID creation: (WEB Mode)

Menu CUMM: Start with the function A for creating a new ID and press F 4. You will be taken to
the first page of the section General Details. You can enter all the mandatory fields using the key

F 4. This section contains 8 pages; use F 6 to go to the next page and pressing F 6 from the last
page of the section (page 8), will bring you back to page 1.

The following fields, though not mandatory, are quite important; it is therefore, advisable not to
miss entering details in these fields, if information is available.
Date of Birth: This assumes importance when the customer becomes a senior citizen.
Mobile No.: If this field is left unentered, the customer is deprived of the benefit of Mobile
Alerts in respect of transactions happening in his/her account.
PAN/GIR no.: a) PAN card could be one of the ID documents submitted for opening the account.
It is also essential to ensure that the authenticity of this document is thoroughly checked.
PANVAL is the Menu Option to confirm the genuineness of PAN. This option will link you to the
Income tax site directly and confirm the genuineness of the PAN declared.
(Features of PAN - First 5 characters should be alphabets. While the first three and the fifth
can be any of the alphabets, the FOURTH has to be one among the following:
C Company, P Individuals, H HUF, F firm, A Association of persons, T Trust, B- Body of
Individuals, L Local authority, J Artificial Judicial Person, G Govt.)
b) You can create a Cust ID without entering PAN details. However, in accounts opened using such
Cust IDs, you will not be able to deposit cash exceeding Rs.50,000 on any day.
c) If PAN details are not available at the time of creating the Cust iD, you will be forced to choose
the code TDS99 in the field Tax Slab. This in turn, means that TDS has to be deducted @20%
and there is no way the customer can avoid this.

Tax Code: Depending upon the current annual interest income(projected till FY end), appropriate
tax code should be selected from the drop down list. This determines the rate at which, TDS on
the interest earned will be effected. Remember, if PAN details are not furnished by the customer,
the only code which the system will permit you to use will be TDS99 which implies deduction of tax
at source at a flat rate of 20%.
Once you complete entering data in all mandatory / important fields spread over all the 8 pages of
the section through the F 4 route, the cursor will come to the box with the field name Enter
Option on the first page.
The next option to be selected is K KYC details. Usually, with a single F 4, you should be allowed
entry in to any section; however, in this case, as soon as you press F 4 once, you will get a message
Invalid Customer Master Option Code. Press F 4 once again, the section opens.

The mandatory

fields to be entered here are 1. Photo ID code 2. Address ID. Once all the mandatory fields in the
section are entered, F 4 will bring you back to the option window. Enter the next option E
Currency Details.
Before accepting the Ref. No.s entered by you for any of the documents produced as Photo ID or
Address ID, the system cross checks whether there are any Cust IDs already existing in the
database where documents with the same ref. No.s have been used.

Once you enter option E Currency Details, explode (Ctrl + E) after selecting a currency. The
currency that you choose here, will determine the currency in which transactions will be allowed in
the accounts to be opened by you under this Cust iD in future. You will enter 0 (zero) in all the
fields there. Press F 4 twice to come back to the option window.
It is possible to attach most of the recognized world currencies to the customer ID. To add a
second/subsequent currency to the Cust ID, once you complete entering the details for the
previous currency and F 4, press down arrow to get in to another currency. After completing
currency Details for all the currencies, press F 4 to reach the option window.
With a F 10, you will get a 9 digit (all numerals) customer ID which is required to be verified as
usual.
Verification: Menu CUMM Fn. V to be used for verification by an officer. You will be getting the
General Details Section first. Until you go through all the pages (8) of this section, you can not
complete verification. You can ensure this by visiting all the 8 pages using F 6 and when you come
back to the first page, use F 4 to get in to the option box. Visit option E by pressing F 4. Explode, F
4 and F 4 will bring you back to the option box. The last mandatory visit will be to the KYC Details
section using the option K. Here again, after entering K, press F 4 twice to enter the section. An F
4 an F 10 will complete the verification process and you get the message Record Verified.
Operation Successful.
Creation of Customer ID for non individual customers like Proprietorship firm, Partnership
firm, Limited company, Trust etc.:
a.

Such customers are represented by individuals acting as the Proprietor, Partners,

Directors, and Trustees etc. Create customer IDs for all these individuals in the usual

manner described above.

b. You may thereafter create a Cust ID for the Non-individual customer through CUMM. Use
the option P Persons Detail to list out all the persons who represent the non-individual
customer.
Customer ID creation: (ONS Mode)

Menu HCUMM: Function to be entered as A Add; click on Accept.

The first tab to open will be Personal Details. Mandatory fields are as under:
Name of the field
Customer Name

Data to be entered
Two portions first portion, titles like Mr., Mrs., Dr. etc. and the other

Short Name
Staff
Minor

portion for entering the actual / full name

As the customer would like to remember Max 10 characters
By default No
By default No. If you click Yes, entering of further details through another

Date of birth
Non Resident

tab Minor Details becomes mandatory

Though not mandatory, make it a practice to enter it compulsorily
If you click Yes, entering of further details through another tab NRE

Address Type
Photo ID Code

Details becomes mandatory

Select any one from the dropdown list
Select from the drop down list; Two more fields associated with the photo ID

Address ID Code

viz Photo ID reference and Photo ID Issuing Authority become mandatory.

Select from the drop down list; Two more fields associated with the photo ID
viz Address ID reference and Address ID Issuing Authority become
mandatory.

After entering all these details, click on the Validate button to ensure that the entries made by
you are valid. In case, your entries are all valid and no mandatory field is left blank, no message will
be displayed. Otherwise, if something is unacceptable to the system, or if you have omitted any
mandatory field, an appropriate message will be displayed.
Open the next tab viz. General Details. Mandatory fields are as follows:
Name of the field
Trade
Finance

Data to be entered
If you click Yes, entering of further details through another tab Trade

Customer
Purge Allowed
Customer

Finance Details becomes mandatory

Always enter No.
If the introducer is an existing customer of the bank, enter his customer

ID

(Introducer Details)
Tax Slab

ID. If not, enter his name.

Enter any one from: TDS01 TDS Exempt, TDS02 TDS applicable
Individuals / others TDS03 TDS applicable Domestic Co.s TDS12
Senior Citizen 15 H; TDS14 Resident Women 15 G; SBNRO TDS on SB
NRO a/cs . This value determines the rate at which income tax is deducted
from the interest payable to the customer periodically.

Click on the next tab Addresses and enter all mandatory fields which are all self-explanatory.

Click on the next mandatory tab Currency Details to define the currency of transactions. Apart
from entering the appropriate currency, enter 0 (zero) in all of the subsequent fields viz
Withholding Tax, Withholding Tax Floor limit, Customer Preferential(Cr) and Customer
Preferential(Dr). It is possible to attach a second currency also to the same Cust ID by clicking on
the button Next Record and repeating the above process for the second currency also.
The above tabs are all mandatory; depending upon the type of customer, additional tabs may also be
required to be entered.
Verification: An officer has to verify the creation of the customer ID through the menu HCUMM
function V. If he wants to discard the newly created customer ID and not verify, he can use the
function X Cancel, from the same menu.
Other functions available from the same menu M Modify, I Inquire, C Copy, S Suspend and
U Unsuspend. The function Suspend is used to temporarily disable the Cust ID. When a Cust ID
is suspended, the system will not allow any new account to be opened using this Cust ID after the
suspension. Such suspension can be revoked and normalcy restored by using the function
Unsuspend.
How to find out the Customer ID?:
There are several ways of finding out the cust ID of customers using their name, short name, Date
of Birth etc.
a) Menu HCUMM Function I, will throw a search screen. By entering the known details like
short name, date of birth, telephone no. etc. you can list out all cust IDs with those details.
b) Menu CUMM Function L, will again get you the search screen as above and you can follow
the same procedure as above subsequently.
c) Menu CUS By entering the known details like full name, short name, date of birth etc. you
can list out all cust IDs with those details.
d) Menu MOB2AC This is an ONS menu giving the following details from the customers
mobile number:
CUST ID

CUSTOMER NAME

ACCOUNT NUMBER

SOL ID

The menu does not only give you the customer ID you are looking for, but lists out all the
accounts opened under that Cust ID.
e) Menu FINDCUST: Using PAN, Mobile no., Aadhar no., DL, Voters ID or Passport no.s you
can can find out if any Cust IDs exist with those reference no.s.
How to find out all the accounts created under a given customer ID?
a) Menu HCUSUM can be used to generate a list of all the accounts of a customer.

b) Menu CUMM Use option A Customers Accounts to generate a list of all the accounts of
a customer
How to modify a Customer ID?:
Let us try to add a second currency to a customer ID. Use the menu HCUMM Fn. Modify. Once
you accept, you are taken to the next screen. For adding a second currency to the cust ID, you
need to enter the tab Currency Details. When you enter this tab, you will find a currency already
attached. Since you want to add a second currency, you have to click on the button Next Rec. You
will then find blank fields meant for entering details of the second currency. After completing all
the mandatory fields, submit. The system will show the message Customer-----Modified
Successfully.
The addition will be complete only after it is verified by another officer.
How to update KYC details subsequent to the creation of the Customer ID?:
For any updation of KYC details after creation of the Cust ID, use the menu CUMM and modify
through option K. You may also use the specialized menu CUSTKYC for this purpose.

SB Account Opening: (Web)

Menu OAAC - Enter the cust ID, Scheme Code SB 101 Baroda Advantage SB General and press
F 4.
You are now looking at the first section General Account Details (G). To enter all the mandatory
fields in this section we have to use the key F 4. These fields are

Pass

Field
Book

Statement
Int. Cr. A/c Flag

Remarks
Usually P for SB accounts; you can choose S (Statement) or B Both if needed
Usually it is S Original A/c itself. O for crediting the periodical interest to
another account in the same database; in that case you will be mandated to
provide the ID of this Operative A/c. T Payment system will facilitate

Int. Dr. A/c Flag

remittance of the periodical interest to other Banks through NEFT etc.

The value entered here will be used for debiting interest chargeable on TODs

Next int Calc. date

granted to the depositor; same values as above.

The date on which interest payable to the Bank on TOD granted is debited to

Dr.

the account. Usually, the last date of the month in which the account is being

Next int Calc. date

opened is entered here.

Int on SB accounts is paid on a particular date on a half yearly basis. This date

Cr

for the nearest (to the dt. of opening of the a/c) half year is to be entered

here. In BOB, these dates are 30th April or 31st October.

F 4 will then take you out of the General Details section and the cursor will be found in the Enter
option Box. To go to the next mandatory section Scheme Details use S.
All the mandatory fields of this section are already default populated with appropriate values and
you dont have to enter anything here. As usual a F 4 will bring you out of the section.
The next mandatory section is Nomination Details (N). This section becomes mandatory because
of the fact that the field Availing Nomination Facility? in the section Scheme Details is default
populated with Y. Enter the relevant details here and come out with a F 4.

Menu option ACNOM can be used for generating letters to those depositors who have NOT chosen
to nominate. The letter explains the benefits of nomination and urges the customer to register his
nomination.

Once the cursor is in the Enter Option box, press F 10 to complete the process and get a temporary
A/C ID which starts with the alphabets ZZ.
An officer can then verify this using the menu OAACAU to get the permanent ID.

SB Account Opening: (ONS)

A. Normal Procedure:
Menu HOAACSB; Enter the cust ID, Scheme Code SB 101 Baroda Advantage SB General and
click on Accept.
The first tab General Details opens up. Mandatory field to be entered is A/c Statement select
Pass Book.
Next mandatory tab Interest Details ; Int. Cr. A/c flag - select Original ; Int. Dr. A/c flag select Original; Next Int. Calc. Date Cr. Enter the date on which the next interest credit will
happen to the account. Next Int. Calc. Date Dr. Enter the next date on which interest due in the
account (for TODs availed) is to be charged to the account.
If the account is a joint one, details of the second holder should be entered through the tab
Related Party Details. In such cases, instructions about who will operate the account are required
to be entered in the field Mode of Operation from the tab General Details.

By submitting, temp account ID is generated.

This is to be now verified by an officer with the menu HOAACVSB. Although visiting the tab
Scheme Details is not mandatory while opening the account by the maker, it is mandatory while
verifying.
Depending upon the type of customer, other tabs that may be required to be used are Nomination
Details, Related Party Details.

Present procedure for opening of Accounts:

As we have seen, the process of opening an account involves considerable work creating a
customer ID and then using another menu for opening the account. If all the details collected from
the customer are to be entered in Finacle, this will prove to be a time consuming job.
Attempts have since been made to combine these two works in to a single menu and reduce the time
involved in the opening process.
The procedure followed currently is as under:
a.

Branches will create a customer ID/Account ID simultaneously using a single menu

HOPNACTT. The data entered here is the barest minimum.

b. The documents submitted by the customers with Cust IDs / Account IDs opened as above
will be forwarded to Regional Back Offices(RBOs). .

Each branch is attached to a

designated Back Office. All other unentered data about the customer / account will be
updated at the RBO including the issuance of cheque book / ATM card / Internet Banking
c.

facility.
In exceptional cases, the branch can create the cust ID/ Account ID at the branch itself
using the menu SAO.

All activities subsequent to the opening of the account - like inquiry or modification are to be
handled through the menu HACM or ACM.

For generating the statement of account, HACLI or

ACLI can be used. HACM or ACM is a comprehensive menu through which anything and everything
about an account can be inquired. Menus for printing a passbook is PBP while for printing a
statement of account it is PSP.
To know about all the features of any scheme code (product) make use of the menu GSPI.
How to generate / view statement of account?

You can generate / view the statement of any customer account using the menu ACLI or HACLI.
The first screen in which you are required to enter the ID of the account which you would like to
view, contains two fields Start Date and End Date. By default, todays or system date will be
appearing in both these fields. This implies that the statement that will be generated will cover
transactions for today (system date) only. If you need a statement from an earlier period, change
the start date appropriately.
The transactions that you see in the statement will be listed on the basis of the dates on which
they have actually taken place. However, if you want them rearranged on the basis of value date,
change the default value in the field Tran/Value Date? from T to V.
How to modify an Account?
Let us try to modify an account by adding a second depositor. The menu to be used is ACM (or
HACM in ONS mode) Fn. Modify. F 4 after entering the account ID will take the cursor inside the
Option window at the bottom of the screen. The option to be selected for adding a second
depositor to the account is A Related Party Details. Once you press F 4, you will get a screen
containing details about the already existing Main Holder of the account. The right hand bottom
of the screen shows 1 of 1. Since you have to enter the details of the second depositor (joint
holder), you have to get in to a new record/page by pressing the down arrow. This record 2 of 2 is
a blank page and you can enter the details of the second depositor here. The mandatory fields to be
entered are Relation Type and Name. Of course, you should also enter vital details like address
and phone no. of the second depositor. By pressing F 4, you can again come back to the Enter
Option window and to complete the job, press F 10.
The addition becomes effective if and only if it is verified by an officer.

As you know, all modifications to any record account ID / Cust ID etc. become effective only
after verification. And Finacle will not allow you to modify any record unless and until, the previous
modification to the same record remains unverified/ cancelled.

If you do not know what

modifications have been done to the record as also which user has done those modifications, it
becomes difficult for you to verify/cancel those modifications.
Using the menu AFI you can locate all non-financial modifications effected in a record during any
given period of time.
Important fields seen here are as follows:
Name of the Field
Cust ID / A/c ID
Entered By

Remarks
The customer / account for which you are searching
In case you know the user who has modified, the system will list out
modifications done by this user only; if left blank, all modifications

Authorised By

done by all users will be listed.

In case you know the user who has authorised, the system will list out
all authorisations done by this user only; if left blank, all authorisations

Entered On

done by all users will be listed.

You can specify any date(actual not system date); if left blank all

Authorised Flag

modifications will be listed

Y for listing all authorized modifications; N for listing all
modifications yet to be authorized.

How to replace an existing joint depositor with a new person?

Suppose you want to replace the joint depositor (record no. 2 in the above example) by another
person. The first thing you have to do is delete this record no.2; this can be done by simply
changing the value N in the field Del Flag to Y. Next, by pressing down arrow, open a new page
(record) 3 of 3 and enter the details of the new person. You can not add a new person here if this
person is not a customer of the Bank; ie. he should have a cust ID. If he does not have one, create
a Cust ID in his name. Press F 10 from the Enter Option field and get it verified by an officer.
How to transfer an Account from one SOL to another?
For transferring an account from one SOL to another SOL, use the menu ACXFRSOL.
How to change the Scheme Code of an Account?
For transferring an account from one Scheme Code to another Scheme Code within the SAME
SCHEME TYPE, use the menu ACXFRSC. And for changing the GL Subhead codes within the SAME
SCHEME TYPE, use the menu TACBSH.
How to enquire about joint holders for an account?
a) Use the Menu ACM Option A Related Party Details. This displays all the joint holders
including the names of those which have been deleted.
OR
b) Use the Menu JTHOLDER: This menu displays the names of only the current / active names
for an account; deleted names are, of course, excluded.
How to link Aadhar Card to an existing Account?
Use the Menu APBSLN.
How to change the status of an account from Dormant (D) / Inactive (I) to Active (A)?

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You can modify the status of an account through the menu ACM. In option S Scheme Details, on
page no. 2, change the value in the field A/c Status. It is to be noted that verification of such
change in status of the account will be allowed only by BRH ( Branch Head) or BH-2.
Printing of Pass Books:
Menu to be used is PBP. Baroda Next passbooks can be self-printed by the customers through
another menu SSPBP, which is an ONS menu. The menu actually links the unique no. printed on the
passbook to the account ID. The depositor can himself print his passbook in any branch (where the
special passbook printing machine is installed) without any ID proof / password etc.
How to close an Account?
Before actually closing an account and refunding the balance in the account to the customer, the
following processes are required to be gone through:
a) Collect and destroy all the unused cheque leaves, if cheque books have been issued to the
customer using the menu CHBM.
b) Pay up to date interest on the account ; this is ensured by the system when you use the
menu CAAC.
c) Recover all the charges on the account, if applicable. System will prompt you to use the
menu CACC for this purpose; dont forget to verify using the same menu and ensuring that
the system created transaction, if any is also posted and verified. If necessary, use TM to
complete the posting / verification.
d) Reduce the net / final balance in the account to Nil by refunding the amount through TM.
e) Update the status of the account as Closed using the menu CAAC.
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