Finacle User Guide IDBI

FINACLE User
Guide
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
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
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
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
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. Introducers 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 introducers customer ID
Enter introducers name
Select from F2
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
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
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. Managers opinion
18. TODs 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

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
10
1.12 Input details as mentioned below Free Text
Enter Free Text, any relevant particulars

that you wish to input e.g., customers
nick name etc
1.13 Press F6
11
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
12

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
13
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
14
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.
15
Note down customer ID on the Account Opening Form and send the forms
for verification.
16
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 minors details.
For Trade finance customers go to option T to verify Trade finance details.
Press F10 to commit.
The customer record stands verified.
17
SCHEME CODES
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
18
1.1 Go to Menu option and enter option OAAC

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
19

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
20
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
21
1.7 Press F6

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 -
22
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
23
1.13
1.
2.
3.
4.
5.
6.
7.
8.
9.
Input details as mentioned below Nominees Name

Relationship
Address
Reg No.
City Code
State code
Country Code
Nominee Minor?
Guardians Name
10. Address
11. City Code
12. State code
13. Country code
1.14
Enter nominees name

Select from F2
Enter nominees address
Will be generated by the system
Select from F2
Select from F2
Select from F2
Y or N
If nominee is minor, enter guardians
name
Enter Guardians Address
Select from F2
Select from F2
Select from F2
Press F4
24
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.
25

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
Enter the signing limit of the joint a/c
holder
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
26
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
27

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
28

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 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.
29
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.
3.8 Press F4 and enter P in the specify option to post the debit part of the
transaction.
3.9
30
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)
31
4. Verification of Transaction
4.1 Go to Menu Option and Enter TM

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 -
32
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
33
3.6Give remarks in the above highlighted field.

3.7Press F10 to commit.
The account stands closed.
34
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

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

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 -
43
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
44
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
45
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
46
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
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
47
1.12
Press F4
1.13
Enter S in the Enter Option field to go the Scheme Details
1.14
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
48
1.15
Press F6
1.16
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
49
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 -
50
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
51
1.21
Enter relevant details -
14. Nominees Name

15. Relationship
16. Address
17. Reg No.
18. City Code
19. State code
20. Country Code
21. Nominee Minor?
22. Guardians Name
23. Address
24. City Code
25. State code
26. Country code
1.22 Press F4
Enter nominees name

Select from F2
Enter nominees address
Comes by default
Select from F2
Select from F2
Select from F2
Y or N
If nominee is minor, enter guardians
name
Enter Guardians 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.
52
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
Enter the date till when the joint a/c
Enter the signing limit of the joint a/c
holder
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.
53
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.
54
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
55

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 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
Skip
Skip
Skip
Skip
Skip
3.3Press F4
56
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
58
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
59
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.
60
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
61
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.
62
5.6The next step after closing the account is to calculate the TDS if any. Enter
Option - TDSCALC.
The following screen will appear

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
63
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,
Travellers 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 Ids for transfer of Inventory from
Corporate Office to Branch Double Lock. The custodian and the supervisory official
will put their respective user IDs.
68
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 Employees 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 <enter> 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.
Payees 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.
Payees Name
Cheque date
Cheque Amt
Reason code
Enter V
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,
DAnytime 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
86
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.
87
Screen no. 1.5
CARRY FORWARD OF STANDING INSTRUCTIONS

1. The menu option for Carried Forward List Maintenance is CFLM the screen is:
88
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 :
89
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 :
90
Scr:
Function : O (open) press F4

Zone : Date / Zone code (want a list of zone codes use F2) press F4
( use <Shift > + <up or down arrow> to move between the codes and press <Shift> + 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 Clgs 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 .
91
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 clients 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 :
92
Account Number: Input the 15 digit a/c no. press <Enter>

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 <Enter>
MICR code Input 9 digit micr code press <Enter>
Cheque Tran code Input tran code (10, 11 etc) press <Enter>
Cheque Amount press Ctrl + <Down Arrow>
* 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 + <Down Arrow > 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:
93
(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
94
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 :
95
* 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)
96
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
97
98
Inquiry on the basis of set numbers : IOCLS.

This option gives the following details :
99
Inquiry / Components of the shadow balance of an account : ACSBIO.

This option gives the following details
100
OPQ Inquiry on the basis of Part Transactions .

This option gives the following details:
101
OIQ : Instrumentwise Inquiry

This option gives the foll. details :
102
REPORTS:
PCLSO : Print Clearing Schedule :
103
PWO: Print Clearing Waste.
104
VALDRPT : O/W Val Date Report
105
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]
106
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
107
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 <Enter>
Total Inst BAR : Total no. of cheques in Inward press <Enter>
Total Amt BAR : Total amount of Inward in rupees. press F4
The cursor shifts to the option box where you have the foll. choices :
108
G- General details. ( the current screen)

S - Statistics ( gives break up of postings into various a/cs, useful after Posting Run)
* For opening of the zone only G option needs to be filled (as explained above)
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
109
The foll. screen appears :

Scr.
Account no. : Enter 15 digit a/c no. press <enter>

Instrument no. : Enter the cheque no. press <enter>
Amount : Enter amount of the cheque press <enter>
Pay to : Enter payees name
press F9 to view the signatures of the account.
110
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
Savings 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.
111
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 + <Down Arrow> 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.
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
113
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
114
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 ).
* 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)
115
Scr
press F6 twice to come back to the original screen

Verify the instrument ICTM [V].
116
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 :
117
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 .
119
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
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)
120
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.
121
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/cs 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,
123
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
124
(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 <Enter>
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Date :
Date of the instrument press <Enter>
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 <Enter>
Input the address on the cheque. press <enter>
Enter your Bank code (i.e IBKL) <press enter>
Enter your branch code <press F4> (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.
126
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.
127
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 Banks 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
129
Tran type/ Sub type
press F4 ( you will come to screen 1.1 with cursor in the

option box ).
Use Ctrl + <up> or <down> 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 Banks charges. press F4 (you will come
to screen 1.1)
Use Ctrl + <up> or <down> 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 + <up> and <down> 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.
131
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.
132
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 :
133
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
135
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.
136
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.
137
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.
138
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
139
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)
140
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
141
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
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
pressing shift + F4
Account Mgr
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
143

Screen- 3 (OAAC)-General Details

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
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
the
default
value
F11
F11
F6
F11
F11
F11
F6
145

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
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

1.7
Cursor Position
Customer/Account
Health
Code
Interest
Amount
(for
transferred accounts)
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
148

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.
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
150

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
mention the penal interest rate
Say House / Flat / Car / etc
F11
Enter Remarks if any

Press F2, select by pressing shift + F4
F11
F11
F11
Enter the reference no. of CO / RO / Branch

sanction
F11
F11
F4

Screen- 10 (OAAC)-Drawing Power/DACC Details
1.11
152
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
A/C Recalled
Enter N
Remarks
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
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
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
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
relationship managers ID must
be selected
required for maintaining Group
Exposure
required for generating Returns
required for generating Returns
Group
Occupation
Constitution
Screen 3 Option G
Health Code
Customer Rating
As on
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
STL<91DAYS-RETAIL
STL 91-120DAYS-RETAIL
STL 121-180 DAYS-RETAIL
STL<91DAYS-COM RET
STL 91-120DAYS-COM RET
STL 121-180 DAYS-COM TET
STL<91DAYS-SPL RET
STL 91-120DAYS-SPL RET
STL 121-180 DAYS-RETAIL
RLSTC
RLSTS
RLSTM
RL90
RL120
RL180
RC90
RC120
RC180
RS90
RS120
RS180
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
67120
67120
67120
67120
67120
67120
67120
67120
67120
SHORT TERM LOANS - CORPORATE

SHORT TERM LOANS -CORPORATE
CLSTC
SHORT TERM LOANS -AGRICULTURE
CLSTA
SHORT TERM LOANS-GOVT
CLSTG
SHORT TERM LOANS -SPECIAL
CLSTS
SHORT
TERM
COMMERCIAL
LOANSCORPORATE
CLSTM
STL <91DAYS -CORP
CL90
STL 91-120 DAYS -CORP
CL120
STL 121-180 DAYS -CORP
CL180
STL <91DAYS -AGRI
AL90
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
159
67120
67120
67120
67120
67120
67120
67120
67120
67120
67120
67120
67210
67210
67210
STL
STL
STL
STL
STL
STL
STL
STL
STL
STL
STL
91-120 DAYS -AGRI

121-180 DAYS -AGRI
<91DAYS -GOVT
91-120 DAYS -GOVT
121-180 DAYS -GOVT
<91DAYS -COM LOAN
91-120 DAYS -COM LOAN
121-180 DAYS COM LOAN
<91 DAYS SPL
91-120 DAYS SPL
121-180 DAYS SPL
AL120
AL180
GL90
GL120
GL180
CM90
CM120
CM180
CS90
CS120
CS180
MEDIUM TERM LOANS - RETAIL

MEDIUM TERM LOANS -CLIENTS
RLMTC LAA
MEDIUM TERM LOANS -SPECIAL
RLMTS LAA
MEDIUM
TERM
COMMERCIAL
LOANS/CLIENTS
RLMTM LAA
67220
MEDIUM TERM LOANS - CORPORATE

MEDIUM TERM LOANS -CORPORATE
CLMTC
MEDIUM TERM LOANS -AGRICULTURE
CLMTA
MEDIUM TERM LOANS-GOVT
CLMTG
MEDIUM TERM LOANS -SPECIAL
CLMTS
MEDIUM
TERM
COMMERCIAL
LOANSCORPORATE
CLMTM
67310
67310
67310
LONG TERM LOANS - RETAIL

LONG TERM LOANS -CLIENTS
LONG TERM LOANS -SPECIAL
LONG TERM COMMERCIAL LOANS/CLIENTS
67220
67220
67220
67220
RLLTC
RLLTS
RLLTM
67320
LONG TERM LOANS - CORPORATE

LONG TERM LOANS -CORPORATE
CLLTC
LONG TERM LOANS -AGRICULTURE
CLLTA
LONG TERM LOANS-GOVT
CLLTG
LONG TERM LOANS -SPECIAL
CLLTS
LONG
TERM
COMMERCIAL
LOANSCORPORATE
CLLTM
67510
67510
67510
67510
67510
67510
67510
67510
67510
OTHER LOANS - RETAIL

LOAN AGAINST FD-RETAIL
LOAN AGAINST SHARES-RETAIL
LOAN AGAINST SECURITIES-RETAIL
LOAN AGAINST IPO - RETAIL
BRIDGE LOAN-RETAIL
FIXED LOANS SPECIAL-LENDING (F.CY)
MONEY DRIVE LOAN-RETAIL
HOUSING LOAN UPTO 10 LACS
HOUSING LOAN > 10 LACS
67320
67320
67320
67320
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
RLOFD
RLOSH
RLOSC
RLOIP
RLOBR
RLOFL
RLOMD
RLOHE
RLOHG
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
160
67510
67510
67510
67510
67510
MONEY HOME PLUS

EDUCATIONAL LOANS
FXD.LOAN SPL(F.CY)-RETAIL
IBPC-RETAIL WITH RISK
IBPC-RETAIL WITHOUT RISK
RLOHP
RLOED
RLOFL
RILWR
RILOR
LAA
LAA
LAA
LAA
LAA
67610
67610
67610
67610
67610
67610
67610
67610
OTHER LOANS -CORPORATE

LOAN AGAINST FD-CORPORATE
CLOFD
LOAN AGAINST SHARES-CORPORATE
CLOSH
LOAN AGAINST SECURITIES-CORPORATE
CLOSC
LOAN AGAINST IPO - CORPORATE
CLOIP
BRIDGE LOAN-CORPORATE
CLOBR
FIXED LOANS SPECIAL LENDING (F.CY.)-CORP CLOFL
IBPC-RETAIL WITH RISK
CILWR
IBPC-RETAIL WITHOUT RISK
CILOR
LAA
LAA
LAA
LAA
LAA
LAA
LAA
LAA
76400
76500
76600
76700
76800
STAFF LOANS
STAFF LOANS - PERSONAL
STAFF LOANS - HOUSING
STAFF LOANS - VEHICLES
STAFF LOANS - OTHERS
STAFF SALARY ADVANCE
LAA
LAA
LAA
LAA
LAA
RLSTP
RLSHG
RLSVE
RLSOT
RLSSA
161
FREQUENTLY USED KEYS

KEYS
F2
F3
F4
F5
F6
F8
F9
F10
F11
F12
Shift F4
Ctrl E
Ctrl X
Ctrl F
Ctrl
Ctrl
Ctrl
Ctrl
Ctrl
F9
U
D
Up Arrow
Down Arrow
FUNCTIONS
LIST
QUIT
ACCEPT
BACKGROUND MENU
NEXT BLOCK
COPY RECORD
SIGNATURE DISPLAY
COMMIT
NEXT FIELD
PREVIOUS BLOCK
SELECTION OF CURRENT ENTRY
FROM OPTIONS
EXPLODE
CURRENT DATE
DELETE CURRENT ENTRY IN
FIELD
LOOK UP MEMO PAD
SROLL UP ONE PAGE
SCROLL DOWN ONE PAGE
ONE RECORD UP
ONE RECORD DOWN
162
Flow Chart For Money Equity

Is
the
customer new
or existing
If Yes, find out

the customer
ID
Accept
Security, Set
limit, Margin
and link to
the account
Release Of
Security(SR
M)
Go to OAAC
menu, Key in
o
as
the
function
for
opening
the
account.
Now issue
cheque book
(ICHM)
Transaction
Posting ( TM )
Penal
Interest for
overdues
(System
applies at
2%)
If No, open
customer
master and
keep the
customer ID
ready
Limit
Maintenan
ce
(ACLHM)
Intt
Application
and
Closure of
Account.
(CAAC)
SCREENS AND STEPS FOR OPENING MONEY EQUITY ACCOUNT
163
1st Screen(OAAC)
1.1
Type OAAC in the Menu option and press Enter. Following Screen comes up.
1.2

Cursor Position
Function
Customer ID
Value To be typed
O (Not Zero)
Currency Code
INR
GL Subhead Code
Scheme Code
Permanent A/C No
Copy A/C No
Leave Blank
Option Code
Enter G
Action
F11
F11
F11
F11
F11
F11
F4
F4
164
required.
STEPS ON NEXT PAGE
165

Acct Name
Value To be typed
required
Acct Short Name
required
A/C Open Date
later than BOD
Mode of operation
pressing shift + F4
Location Code
pressing shift + F4
Account Mgr
pressing shift + F4
Cash
Limit (Dr)
(Dr)
(Dr)
Account
Code
Collect charges
Enter Y
Turnover Details
Enter N
Related to staff
Staff Id
+ F4
Action
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F6
166


Value To be typed
Frequency
statement
Local Calendar
Enter N
Despatch Mode
collection
Next Print Date
DD / MM / YY.
Download To PBF
Pay interest
Enter N
Collect interest
Enter Y
(Dr / Cr)
Account
(Dr / Cr)
ENTER S
ENTER S
Action
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
167
Interest Rate Code

code.
Account Pegged
Pegging Review Date
Leave Blank
Pegging Frequency
Leave Blank
F11
1.5 Cursor Position

Contact Phone No
Interest
Calculation
Freq Dr
Action
F11
F11
Value To be typed
Enter the Phone No
Please
leave
unchanged
Language Code
Leave Blank
Code
the
default
value
F11
F11
F6
F11
F11
F11
F6
168

1.6 Cursor Position

Value To Be typed
Option Code
Dr. Balance Limit
Max.Allowable Limit
Credit file no
Date
ECGC Cover
Enter N
ECI premium Dr A/C
Leave Blank
Due Date
Leave Blank
Extd Due Date
Leave Blank
Tax Category
Cheque Allowed
Enter Y
Enter Y
Return Paid Cheque
Enter N
Leave Blank
Enter N
Action
F4
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F6
169
170

1.7
Cursor Position
Customer/Account
Health
Code
Interest
Amount
(for
Option Code
Value To Be typed
Action
F11

interest accrued
F4
Change the value to A for related

party details
F4
171

Screen- 7 (OAAC)-POA/AS/LA Details
1.9
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.
172
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
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
173
174

Screen- 9 (OAAC)-Sanction Limit Details
1.10
Cursor
Position
Applicable Date
Value To be typed

value
Limit
Interest
Sanction limit
Supercede
Sanction Date
Expiry Date
be fully repaid.
Penal
From
repaid
Document Date
Review Date
Action
F11
F11
F11
F4
F11
F11
F11
F11
F11
175
Normal Interest
Penal Interest
Security
Description
Remarks
Sanction Level
Sanction
Authority
Sanction Ref

F11

F11
F11
F11

sanction
F11
F11
F4

Screen- 10 (OAAC)-Drawing Power/DACC Details
1.11
176
Cursor
Value To be typed
Position
Indicator
Limit Id
Leave Blank
DACC limit
Percentage
A/C Recalled
Enter N
Remarks
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.
177
EMI LOANS
Setting up a EMI Loan Account involves the following steps.
Is the customer
new or existing
If Yes, find
out
the
customer ID
If No, open customer

master and keep the
customer ID ready
Interest
Application
ACACCR
ACBOOK
ACINT
Accept Security,
Define
Margin
and link to the
account (SRM)
Get
Repayment
Schedule in the
option LARSH
Go to OAAC menu, Key

in O as the Function
for Opening the A/c.
After A/C no is allotted,
Verify in the OAACAU
menu.
Recovery
Pending
Charges
CACC
Account
Closure
CAAC
Transaction
Posting
Recovery of PreEMI charges
of
-
Recovery of
installment
(LADSP)
178
Screens Under OAAC For A EMI Loan
es Of A Maker
General Details (G)
Enter
the
details,
Type A and Press F4
for moving to Related
Party Screen
Enter Related Party Details,

Press F4, Go to Option Code,
Type S and press F4 for
moving to Scheme Details
Screen
Enter Scheme Details,

Press F4, Go to Option
Code, type V and press
F4 for moving to Advance
Details Screen
Enter
Interest
Details,
press F4, go to Option
code, type D and press F4
for moving to Disbursal
Details
Enter Limit Details, press

F4, go to Option Code,
type I and press F4 for
moving
to
Interest
Details
Enter Advance Details,

Press F4, go to Option
Code, type H and press
F4 for moving to Limit
Details
Enter Disbursal Details,

press F4, go to Option
Code, type E and press
F4
for
moving
to
Repayment Details
Enter Repayment Details,

press F4. The cursor goes
to the option code. Press
F10 for committing the
record
Request the Checker

to Verify the account.
179
Activities for a Checker

a) The checker has to choose OAACAU menu, select verify (V) mode, visit all
the screens mentioned above, check the details and if all the data is correct,
conclude verification by pressing F10.
b) In case any data is incorrect, the Checker desires to change the data, he has
to Press F3, come out of verification, choose modify mode (M) in the
OAACAU option, correct the data as required, and commit the modification
by pressing F10. Now the account has to be verified by a person other than
the checker.
Opening an EMI Loan Account e.g. Housing Loan
Type OAAC in the menu option and press enter. The following screen comes up.
1st Screen OAAC

Cursor Position
Function
Customer ID
Value To be typed
O (Not Zero)
Action
F11
F11
180
Currency Code
GL Subhead Code
Scheme Code
Permanent A/C No
Copy A/C No
Option Code
INR
Leave Blank
Enter G
F11
F11
F11
F11
F4
F4
5.0.1.1.1.1.1Follow the undermentioned steps
2nd Screen OAAC (General Details)

Account Name, Account Short Name, Account Open Date, Account Report Code,
Collect Charges, Turnover Details, Relative to Staff and Exception Details will be
populated by default. Do not change them unless otherwise required.
181
Cursor Position
Acct Name
Value To be typed
required
Acct Short Name
required
A/C Open Date
later than BOD
Mode of operation
pressing shift + F4
Location Code
pressing shift + F4
Account Mgr
pressing shift + F4
Cash
Limit (Dr)
(Dr)
(Dr)
Account
Code
Collect charges
Enter Y
Turnover Details
Enter N
Related to staff
Staff Id
+ F4
Action
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F6
182
Follow the Undermentioned steps.
3rd Screen OAAC General Details

Cursor Position
Pass book /Statement
Frequency
of
statement
Local Calendar
Despatch Mode
Value To be typed
Enter S for statement / P for pass book
Q/blank /blank /2/N
Enter N
collection
Next Print Date
DD / MM / YY.
Pay interest
Enter N
Collect Interest
Enter Y
(Dr / Cr)
Account
(Dr / Cr)
Interest Rate Code
code.
Account Pegged
Pegging Review Date
Leave Blank
Action
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
183
Pegging Frequency
Leave Blank
F6
4th Screen OAAC General Details

Cursor Position
Contact Phone No
Interest
Calculation
Freq Dr
TDS Operative Account
Language Code
Name in Lang Code
Value To be typed
Enter the Phone No
Action
F11
F11
Plese
leave
unchanged
Not Applicable
Leave Blank
Leave Blank
F11
the
default
value
F11
F11
F6
184
5th Screen - OAAC

Cursor Position
Option Code
Credit File No
Review Level
Review Authority
Hold in Operative
Account for amount
due
Repayment Method
Repayment Currency
rate Code
Operative A/C No
Value To be typed
Enter S
Key in the file number of the client
Press F2, select from list by pressing Shift +F4
If installment is recovered through operative
account, Y otherwise N
Action
F4
F11
F11
F11
F11
E This means in case of insufficient funds in

the operative account, installments would be
recovered to the extent of funds available
Leave Blank- Applicable for foreign currency
loans
Enter the account number from where interest
and instalments are recoverd. (If hold in
operative account is Y, this field must be
filled in)
F11
F11
F11
185
Related Deposit A/C Enter the deposit account number on which

No
there is no lien. If this deposit account is
closed, the system will generate exception
Ack of Debt Start
Default value would be L Do not change it
Debt
Enter the date of security documents or Latest
Acknowledgement
revival letter, whichever is latter.
date
Margin %
Enter the margin as per sanction
Repayment Period
Months / Days (Ex. 60 / 00
Priority Loan
Y for Priority and N for Non-priority
Transfer in A/C
N
Debit intt. To loan a/c L (interest shall be debited to loan account)
Valuation required
Leave blank
F11
F11
F11
F11
F11
F11
F11
F11
F6
5.0.1.1.1.1.4
Screen-6 OAAC
In this screen, values are populated by default. User not to key in any details unless
otherwise required.
Press F4 for moving over to option code, there press V for going to Screen-7.
186
Screen 7 of OAAC Advance Details
Cursor
Position
Sector Code
Value To be typed
Press F2,
Shift + F4.
Sub Sector Code Press F2,
Shift + F4.
Occupation
Press F2,
Code
Shift + F4.
Borrower
Press F2,
Category
Shift + F4.
Purpose
of Press F2,
Advance
Shift + F4.
Mode
of Press F2,
advance
Shift + F4.
Type of advance Press F2,
Shift + F4.
Nature
of Press F2,
advance
Shift + F4.
Guarantee
Press F2,
Cover Code
Shift + F4.
Option Code
H
Action
select appropriate code by pressing
F11
F11
F11
F11
F11
F11
F11
F11
F4
F4
187
Screen - 8 Limit History Details
188
Cursor
Position
Applicable Date
Value To be typed

value
Limit
Interest
Sanction limit
Supercede
Sanction Date
Expiry Date
be fully repaid.
Penal
From
repaid
Document Date
Review Date
Normal Interest
Penal Interest
Action
F11
F11
F11
F4
F11
F11
F11
F11
F11
F11
F11
189
Security
Description
Remarks
Sanction Level
Sanction
Authority
Sanction Ref
F11

F11
F11
F11

sanction
F4
9th Screen OAAC Limit History Details
190
Cursor
Value To be typed
Position
Indicator
Limit Id
Leave Blank
DACC limit
Percentage
A/C Recalled
Enter N
Remarks
Option Code
Action
F11
F11
F11
F11
F11
F11
F4, pause
and press
F4
F4
191
10th Screen OAAC Interest Details

Cursor
Position
10th Screen
Option Code
Value To be typed
Action
No changes to be made
D
F4
F4
5.0.1.1.1.1.7
192
5.0.1.1.1.1.8
5.0.1.1.1.1.9
5.0.1.1.1.1.10 Follow the undermentioned steps
11th Screen OAAC Disbursement Schedule

Cursor
Position
Flow Id
Date
Amount
Remarks
Delete
Flow ID
Option Code
Value To be typed
Action
Enter DSBMT( or, press F2, select by pressing shift

+ F4)
Enter the Date on which disbursal would be made
Enter the Amount to be disbursed. If there are
more than one disbursals on same or different
dates, it can be stipulated here.
Enter the disbursal purpose for ex: registration
charges / cost of land / etc
In case there would be only one disbursal, Press F4.
Otherwise, Press Control + Down Arrow
Repeat the above steps, mention details of second
disbursal, 3rd disbursal.. last disbursal etc
F11
E repayment schedule
F11
F11
F11
F4
when
remark
s
are
filled
in.
F4
193
12th Screen OAAC Repayment Schedule

Cursor
Position
Flow ID
Start Date
No
Frequency
Amount
Delete
Option Code
Value To be typed
Action
Enter PRDEM (or press F2, select by pressing Shift

+ F4)
Date on which first installment would fall due
No of installments
M/ / /10/N
In case of EMI, do not enter any value. This would
be calculated by the system
Press F4
Nil
F11
F11
F11
F11
F11
F10
194
Following Screen Would Pop Up. It would show the account Number In The
Message Box
Account Number of the account being opened will be generated (Example

001675100000019)
195
Flow Chart For OD Against FD
Open FD A/C
if it does not
exist(OAAC)
Open A OD
Account
(OAAC)
Link the OD account to

FD in SRM (SRM)
(SRM)
OD
account
derives
Drawing
Power.
Issue
Cheque
Book
(ICHM)
Transaction
Posting
( TM )
Closure of
the OD
Account
(CAAC)
196
OVERDRAFT AGAINST FIXED DEPOSITS

Prerequisites
Fixed Deposits should have been created and the transaction passed through TM.
How to Open a Overdraft Against Fixed Deposit A/c
Follow the undermentioned steps:-
OAAC Screen 1 General Details

Cursor Position
Function
Customer ID
Currency Code
GL Subhead Code
Scheme Code
Permanent A/C No
Copy A/C No.
Option Code
Value To be typed
Enter O (Not Zero)
Enter INR
Leave the field blank
Leave the field blank
Enter G
Action
F11
F11
F11
F11
F11
F11
F11
F4
197
Screen OAAC (General Details)

Account Name, Account Short Name, Account Open Date, Account Report Code,
Collect Charges, Turnover Details, Relative to Staff and Exception Details will be
populated by default. Do not change them unless otherwise required.
STEPS ON NEXT PAGE
198
Cursor Position
Acct Name
Value To be typed
required
Acct Short Name
required
A/C Open Date
later than BOD
Mode of operation
pressing shift + F4
Location Code
pressing shift + F4
Account Mgr
pressing shift + F4
Cash exception Limit Change the default value if needed.
(Dr)
(Dr)
(Dr)
Account
Code
Collect charges
Enter Y
Turnover Details
Enter N
Related to staff
Staff Id
+ F4
Action
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F6
199
Screen OAAC General Details

Cursor Position
Frequency
of
statement
Despatch Mode
Value To be typed
Enter S for statement or P for pass book
Enter M/ blank /blank /2/N

collection, S for special delivery
Local Calendar
Enter N
Next Print Date
Enter DD / MM / YY. (Normally it would
be 2nd of next month)
Customer Preferential Preferential if any exists, would be
(Dr)
default populated
Account
Preferential Preferential if any approved
(Dr)
Interest Rate Code
pressing F2 and selecting by
pressing shift +F4.
Account Pegged
If the agreement is for Fixed Rate, enter
Y
If the agreement is for floating rate,
enter N
Action
F11
F11
F11
F11
F11
F11
F11
F11
F11
200
Pegging Review
Pegging Frequency
Leave Blank
Leave Blank
F11
F6

Cursor Position
Contact Phone No
Value To be typed
There will be a default value. Check it
with the documents.
Interest calc.freq cr
Leave blank
Next Int calc. Date cr
Leave blank
Interest
Calculation Leave blank. Interest shall be calculated
Freq Dr
through a batch job
Leave it Blank
TDS Operative Account Leave Blank
Language
Leave Blank
Name in Lang Code
Leave Blank
Action
F11
F11
F11
F11
F11
F11
F11
F4
201
5th Screen - OAAC

Cursor Position
Value to be typed
Option Code
Dr. Balance Limit
Max.Allowable Limit
Credit file no
Date
ECGC Cover
Enter N
ECI premium Dr A/C
Leave Blank
Due Date
Leave Blank
Extd Due Date
Leave Blank
Tax Category
Cheque Allowed
Enter Y
Enter Y
Return Paid Cheque
Enter N
Leave Blank
Enter N
Cursor moves over to next screen
Action
F4
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F6
202
Screen-6 OAAC
In this screen, values are populated by default. User not to key in any details unless
otherwise required.
Press F4 for moving over to option code, there press V for going to Screen7.
203
Screen 7 of OAAC Advance Details
204
Cursor
Position
Sector Code
Value To be typed
Press F2,
Shift + F4.
Sub Sector Code Press F2,
Shift + F4.
Occupation
Press F2,
Code
Shift + F4.
Borrower
Press F2,
Category
Shift + F4.
Purpose
of Press F2,
Advance
Shift + F4.
Mode
of Press F2,
advance
Shift + F4.
Type of advance Press F2,
Shift + F4.
Nature
of Press F2,
advance
Shift + F4.
Guarantee
Press F2,
Cover Code
Shift + F4.
Option Code
Enter H
Action
F11
F11
F11
F11
F11
F11
F11
F11
F4
F4
205
Cursor
Position
Applicable Date
Limit
Level
Interest
Value To be typed
Date from which the limit would be effective

N if the account has a single limit or more than one
limit with all the limits having same interest rate.
Y if the account has slab rates of interest for
different limits
Sanction limit
Sanction Amount
Sanction Date
Date of Sanction ( DD.MM.YY)
Expiry Date
Enter the date on which the limit expires
Penal
Interest Mention the grace period if any after which the
From
penal interest would apply
Document Date
Enter the Date of documents (DD.MM.YY)
Review Date
Enter the Date of review (DD.MM.YY)
Action
F11
F11
F4
F11
F11
F11
F11
F11
206
Normal Interest
Penal Interest
Security
Description
Remarks
Sanction Level
Sanction
Authority
Sanction Ref

mention the normal interest rate. If it is set as N,
this field would be blocked
Say Fixed Deposit, etc.
F11

F11
F11
F11

sanction
F4
F11
F11
207
9th Screen OAAC Limit History Details

Cursor
Position
Drawing Power
Indicator
Drawing Power%
Limit Id
DACC limit
A/C Recalled
Remarks
Option Code
Value To be typed
Action
Enter D to indicate that the limit is derived
F11
Leave the default value of 0.0000 as it is

Leave Blank
N
N if availing nomination facilty, fill in the
details there.
If nominaction facility not availed, press
F4 and then F10
Account Number is allotted.
F11
F11
F11
F11
F4
F4
and
then F10
208
CASH CREDIT ACCOUNTS
1.1

Cursor Position
Value To be typed
Function
O (Not Zero)
Customer ID
Currency Code
INR
GL Subhead Code
Scheme Code
Permanent A/C No
Copy A/C No
Leave Blank
Option Code
Enter G
Action
F11
F11
F11
F11
F11
F11
F4
F4
209
1.2
required.
STEPS ON NEXT PAGE
210
Follow Undermentioned Steps:Cursor Position

Acct Name
Value To be typed
required
Acct Short Name
required
A/C Open Date
later than BOD
Mode of operation
pressing shift + F4
Location Code
pressing shift + F4
Account Mgr
pressing shift + F4
Cash
Limit (Dr)
(Dr)
(Dr)
Account
Code
Collect charges
Enter Y
Turnover Details
Enter N
Related to staff
Staff Id
+ F4
Action
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F6
211

Value To be typed
Frequency
statement
Local Calendar
Enter N
Despatch Mode
collection
Next Print Date
DD / MM / YY.
Download To PBF
Pay interest
Enter N
Collect interest
Enter Y
(Dr / Cr)
Account
(Dr / Cr)
ENTER S
Interest Rate Code
ENTER S

code.
Account Pegged
Pegging Review Date
Leave Blank
Pegging Frequency
Leave Blank
Action
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F6
212
1.4 Cursor Position

Contact Phone No
Interest
Calculation
Freq Dr
Value To be typed
Enter the Phone No
Please
leave
unchanged
Language Code
Leave Blank
Code
the
default
value
Action
F11
F11
F11
F11
F11
F6
213
1.5 Cursor Position

Value To Be typed
Option Code
Dr. Balance Limit
Max.Allowable Limit
Credit file no
Date
ECGC Cover
Enter N
ECI premium Dr A/C
Leave Blank
Due Date
Leave Blank
Extd Due Date
Leave Blank
Tax Category
Cheque Allowed
Enter Y
Enter Y
Return Paid Cheque
Enter N
Leave Blank
Enter N
Action
F4
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F6
214
1.6
Cursor Position
Customer/Account
Health
Code
Interest
Amount
(for
Option Code
Value To Be typed
Action
F11

interest accrued
F4
Change the value to H for LIMIT

details
F4
215
1.7
216
Cursor
Position
Applicable Date
Value To be typed

value
Limit
Interest
Sanction limit
Supercede
Sanction Date
Expiry Date
be fully repaid.
Penal
From
repaid
Document Date
Review Date
Normal Interest
Penal Interest
Security
Description
Remarks
Sanction Level
Sanction
Authority
Sanction Ref
sanction
Action
F11
F11
F11
F4
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F4
217
1.8
Cursor
Value To be typed
Position
Indicator
Limit Id
Leave Blank
DACC limit
Percentage
A/C Recalled
Enter N
Remarks
Option Code
Enter V
Action
F11
F11
F11
F11
F11
F11
F4
F4
218
1.9
Cursor
Position
Sector
Value To Be typed
Press F2,
Shift+F4
Sub Sector
Press F2,
Shift+F4
Occupation
Press F2,
Shift+F4
Borrower
Press F2,
Category
Shift+F4
Purpose
of Press F2,
Advance
Shift+F4
Mode Of Adv Press F2,
Shift+F4
Type
Of Press F2,
Advance
Shift+F4
Nature
Of Press F2,
Advance
Shift+F4
Guarantee
Press F2,
Select
appropriate
code
by pressing
Actio
n
TAB
Select
appropriate
code
by pressing
TAB
Select
appropriate
code
by pressing
TAB
Select
appropriate
code
by pressing
TAB
Select
appropriate
code
by pressing
TAB
Select
appropriate
code
by pressing
TAB
Select
appropriate
code
by pressing
TAB
Select
appropriate
code
by pressing
TAB
Select
appropriate
code
by pressing
F4
219
Cover Code
Shift+F4
Option Code
Enter H
F4
220
1.10
221
Linking of the Loan Account to the SRM.

Enter SRM in the menu option and press Enter. Following screen pops up.
Security Register Maintenance has to be updated as defined in the Security Register

Module.
222
SECURITY REGISTER MAINTENANCE
Application
SRM is used for maintenance of security and drawing power allocation in
respect of all advance accounts where drawing power is derived from
securities.
FUNCTIONS
The Security Register Maintenance (SRM) has two important functions
(a) Maintenance of particulars of the securities submitted by a client and
(b)Allocation of drawing power to an account
(c)
Other utilities include :-
1. Stipulation of maximum drawings allowable against security to the

relative account.
2. Classification of the security as Primary / Collateral.
3. Maintenance of the Market Value, Repurchase Value, Face Value with
options to specify which is to be used, Margin to be retained, whether
additional details like Insurance, Charges, Income and Expenses are
required or not.
4. The system provides linkage to Interest Computation for computing
additional interest for non-submission of Stock.
5. If the security is a Deposit Account, a lien is marked on the account for
the value of the Advance Amount / Limit Sanctioned and the component
of available balance is updated appropriately.
223
FLOW CHART - SRM

In the ensuing paragraphs, steps involved are explained in detail.
Type SRM
in
the
Menu
Option and
enter
Select
Option-A
and
Add
Security
Details
1(start)
Commit
the record
by Pressing
F10
Verification
of
the
Record by Authorized
Person
Select
Option-C
and enter
Charge
Details
2
Select
Option-P and
enter
Inspection
Details
3
Select
Option
N
and enter
Insurance
Details
Account gets
Drawing Power
8 (END)
224
Adding Security Through SRM Option :Follow the undermentioned steps.
SRM-Screen- 1 for selecting function and account to be linked

Cursor Position
Menu Option
Function
Linkage Type
Value to be typed
Type SRM
Enter A i.e ADD
Enter
A
for
indicating that the
security
shall
be
linked to the account
Account No.
Enter A/C number,
which is to be linked
to the security
Cursor moves over to the screen no-2
Action
Press ENTER
F4
F4
F4
225
226
SRM- Screen- 2 for entering details of securities

Cursor
Value to be typed
Position
Enter Option
Type A
Security Code Press F2, Select by pressing Shift +F4
Action
Security
Group
F11
Security
Class
Ceiling Limit
Margin
Press F2 for viewing the list of security

groups. Select appropriate item by pressing
Shift + F4
Press F2 for viewing the types of security
classes and select appropriate class by
pressing Shift +F4
Enter the ceiling on the drawing power
against the security. In respect of Money
Equity, this amount shall be 60% of the
sanction limit.
The margin percent appears by default as
F4
F11
F11
F11
F11
227
Percent
Nature
Charge
Received
Date
Due Date
per scheme. If it needs to be amended, you

can do so (if you want to change the default
value, press control + f or delete the field
fully and enter fresh value)
of Press F2 and select appropriate item by F11
pressing Shift + F4.
Mention the date of receipt of the security
F11
Leave Blank. This is applicable only in case

of CC against stocks
Apply
Penal In case of limits secured by stocks/ bookIntt
debts enter Y, otherwise enter N
Remarks
Enter Remarks if Applicable (May be, we
can say, check for other securities to
indicate that this is not the lone security)
Dnm no
In case of loan Agst FD mention the FD
number
Frequency
Applicable to CC against STOCKS / BookDebts.
No. of units
Enter the no. of shares
Security
Enter the value in case of all securities
Value
except for Shares. For shares, the value
would be automatically calculated through
weekly uploads of NSE Rates
Prim / Colla
Enter P for primary / C for Collateral
Enter Option
Enter C
F11
F11
F11 twice
F11
F11
F4
F11
F4
228
229
SRM-
Screen- 3 for entering details of charge.
Cursor
Position
Enter Option
Charge
Amount
Date of Regn
Reg.Auth
Value to be typed
Type A
Enter the amount appearing in the loan
documents.
Enter the date of registration
Enter Name of Reg. Auth. Ex. Reg. Of
Comp, Sub-Registrar etc
Address
Mention address of the registrars
Charge Instmnt Enter mortgage deed / hypothecation
agreement / memorandum of pledge
etc.
Date of Filing / May be used in case of Companies,
Receipt etc.
where charge is filed with Registrar Of
Companies
Option
Type S
Cursor moves back to screen no-2
Action
F4
F11
F11
F11
F11
F11
F4
F4
230
231
SRM - Screen 4 details of insurance.

1) In the option code type N and press F4 for moving over to Screen-5.
232
SRM Screen 5 (Insurance details)

Cursor Position
Insurance Type
Value to be typed
Action
Press F2 list of types of insurance shall F11
be available. Select the appropriate
type by pressing shift + F4
Ref. Enter the Policy No.
F11
Insurance
No.
Company
Enter details of insurance Company, F4
Name & Addr. / policy amount etc
Goods
Insured/Policy
Amount
The cursor goes back to the screen no. 4. Now in the option field enter S and
press F4.
The cursor goes back to screen No.2.
233
Now enter P in the option field and press F4 for moving to screen no. 6.
234
SRM screen no-6 (Inspection details)

In the option code, type A and press F4. The cursor moves to inspection type
field. Press F2 and select appropriate item. Now press F11 for moving over to
next field. After entering details in all the fields, press F4. The cursor moves to
option code. Here type S and press F4 for going back to the screen no. 2. Now
press F10 for committing the record.
235
Verification of the SRM records:After committing the record, the security details have to be verified by
manager / a person authorized to do so. For verification, the function code is
V in the screen no.1. The verifier has to visit all the screens visited by the
maker of record, before committing verification.
DOS & DONTS SRM SCREEN
Dos
Always Enter 60% of Money Equity Loan as the Ceiling Limit in respect of
each and every Scrip.
Ensure that Margins appearing confirms to Sanction terms
In Insurance Details Screen, always give Name of Insurance Company
and the Expiry Date of the Insurance. This will help in finding out
policies getting time barred.
Always mention the number of Shares in the No of Units block.
Whenever, customer approaches for release of shares, make appropriate
changes before releasing the same.
Recover Charges through TM Option for substitution of security.
Donts
Never Change Share Price without proper Approval
Note
For Navigating between screens in SRM, always return to the Security

Details Screen first and thereafter return to any other screen. Whichever
screen you may be in, Press F4 for going to the Option Block and Type S
and Press F4 for going back to the Main Screen.
If there are more than one security for a single loan, you can Add one
after another by entering A in the Option Block of the Main Screen.
236
Term loans
Flow of screens for opening a Loan Account
1st Screen OAAC

Cursor Position
Function
Customer ID
Currency Code
GL Subhead Code
Scheme Code
Permanent A/C No
Copy A/C No
Option Code
Value To be typed
O (Not Zero)
INR
Leave Blank
Enter G
Action
F11
F11
F11
F11
F11
F11
F4
F4
237
2nd Screen OAAC (General Details)

Account Name, Account Short Name, Account Open Date, Account Report
Code, Collect Charges, Turnover Details, Relative to Staff and Exception
Details will be populated by default. Do not change them unless
otherwise required.
Steps involved are mentioned in the next page
238
Steps for the 2nd screen

Cursor Position
Acct Name
Value To be typed

required
Acct Short Name
required
A/C Open Date
later than BOD
Mode of operation
pressing shift + F4
Location Code
pressing shift + F4
Account Mgr
pressing shift + F4
Cash
Limit (Dr)
(Dr)
(Dr)
Account
Code
Collect charges
Enter Y
Turnover Details
Enter N
Related to staff
Staff Id
+ F4
Actio
n
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F6
239
3rd Screen OAAC General Details

Cursor Position
Frequency
of
statement
Local Calendar
Despatch Mode
Value To be typed
Enter S for statement / P for pass book
Q/blank /blank /2/N
Enter N
collection
Next Print Date
DD / MM / YY.
Pay interest
Enter N
Collect Interest
Enter Y
(Dr / Cr)
Account
(Dr / Cr)
Interest Rate Code
code.
Account Pegged
Pegging Review Date
Leave Blank
Action
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
240
Pegging Frequency
Leave Blank
F6

Cursor Position
Contact Phone No
Interest
Calculation
Freq Dr
TDS Operative Account
Language Code
Name in Lang Code
Value To be typed
Enter the Phone No
Action
F11
F11
Plese
leave
unchanged
Not Applicable
Leave Blank
Leave Blank
F11
the
default
value
F11
F11
F6
241
5th Screen OAAC

Steps for the 5th screen in the next page
242
Steps in the next page

Cursor Position
Option Code
Credit File No
Review Level
Review Authority
Hold in Operative
Account for amount
due
Repayment Method
Value To be typed
Enter S
Key in the file number of the client
If installment is recovered through operative
account, Y otherwise N
E This means in case of insufficient funds in

the operative account, installments would be
recovered to the extent of funds available
Repayment Currency Leave Blank- Applicable for foreign currency
rate Code
loans
Operative A/C No
Enter the account number from where interest
and instalments are recoverd. (If hold in
operative account is Y, this field must be
filled in)
Related Deposit A/C Enter the deposit account number on which
No
there is no lien. If this deposit account is
closed, the system will generate exception
Ack of Debt Start
Default value would be L Do not change it
Debt
Enter the date of security documents or Latest
Acknowledgement
revival letter, whichever is latter.
date
Margin %
Enter the margin as per sanction
Repayment Period
Months / Days (Ex. 60 / 00
Priority Loan
Y for Priority and N for Non-priority
Transfer in A/C
N
Debit intt. To loan a/c L (interest shall be debited to loan account)
Valuation required
Leave blank
243
Actio
n
F4
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F6
Screen-6 OAAC
In this screen, values are populated by default. User not to key

in any details unless otherwise required.
Press F4 for moving over to option code, there press I for going
to Screen-7.
244
7th
Screen OAAC Interest Details
Cursor
Position
10th Screen
Option Code
Value To be typed
Action
No changes to be made
H
F4
F4
245
Steps in the next Page
246
Cursor
Position
Applicable Date
Value To be typed

value
Limit
Interest
Sanction limit
Supercede
Sanction Date
Expiry Date
be fully repaid.
Penal
From
repaid
Document Date
Review Date
Normal Interest
Penal Interest
Security
Description
Remarks
Sanction Level
Sanction
Authority
Sanction Ref
sanction
247
Actio
n
F11
F11
F11
F4
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F11
F4
Screen No 9- Steps to be followed
Cursor
Value To be typed
Position
Indicator
Limit Id
Leave Blank
DACC limit
Percentage
A/C Recalled
Enter N
Remarks
Option Code
248
Action
F11
F11
F11
F11
F11
F11
F4,
pause
and
press
F4
F4
Screen No- 10. Steps to be followed

Cursor
Position
Flow Id
Date
Amount
Remarks
Delete
Flow ID
Option Code
Value To be typed
Enter DSBMT( or, press F2, select by pressing shift
+ F4)
Enter the Date on which disbursal would be made
Enter the Amount to be disbursed. If there are
more than one disbursals on same or different
dates, it can be stipulated here.
Enter the disbursal purpose for ex: registration
charges / cost of land / etc
In case there would be only one disbursal, Press F4.
Otherwise, Press Control + Down Arrow
Repeat the above steps, mention details of second
disbursal, 3rd disbursal.. last disbursal etc
E repayment schedule
249
Actio
n
F11
F11
F11
F11
F4
F4
11th Screen OAAC Repayment Schedule

Cursor
Position
Flow ID
Start Date
No
Frequency
Amount
Delete
Option Code
Value To be typed
Action
Enter PRDEM (or press F2, select by pressing

Shift + F4)
Date on which first installment would fall due
No of installments
M/ / /10/N
In case of EMI, do not enter any value. This
would be calculated by the system
Press F4
Do not change the value here
F11
250
F11
F11
F11
F11
F10
Screen No 12 showing the account number
251
Regular NCD , MIBOR Bonds , Preference Shares

In Finacle we do not have a module investments. However, through some modifications,
some of the income generating features of these assets are captured in the set up. The
appropriate codes for these products are :CLNCD
CLMBR
CLPRS
NCD
Mibor Bonds
Pref Shares
Whereas both NCD and Mibor Bonds earn interest, in case of preference shares,
dividend replaces the interest. The income set up in Finacle is as under.
Particular
NCD
Mibor
Bonds
Interest Set Up
1. In the interest field, contractual rate to be mentioned
2. Interest shall not be debited to the account
3. On the calendar quarters, interest accrued is debited to
interest accrued and credited to interest receivable
4. Upon receipt of the interest, through TM, the above accounts
are to be adjusted.
While setting up the account, one Mibor Bond accunt and one OD
account are opened. Both these accounts shall carry the same interest rate
code.
The OD account has to be mentioned as the operative account in the
MIBOR bond account
Day- 1:upon execution of interest calculation, interest on the Bond is debited
to one office account. The OD account does not have any debit
balance and hence it wont get any debit for interest
Day- 2:demand satisfaction for the Bond is run. Upon executing this, the
interest for Day 1 is transferred from the Office Account to OD
account.
After transfer of the interest to OD account, the OD account gets into
debit balance.
Now interest for Day- 2 is run for both Bond and the OD account.
Similar to Day-1, interest on the Bond for day 2 is parked in the
Office Account. The interest on the Bond for day-1 lies in OD and on
Day-2, it earns interest again, thus accomplishing the purpose of daily
compounding
252
Day-3:- The steps at Day-2 are repeated in the same sequence

Day of maturity :In case the Bond remains unpaid, it would attract penal interest at
the rate of 2% over and above contracted rate.
CARE !
The OD account attached to the MIBOR Bond is a special accout
wherein cash transactions are prohibited and cheques cannot be
issued on this account.
Pref
Shares
Put / Call
Option
Subscriptio
n Date
Redemptio
n
Monitoring
of
Floor
Rate
For
MIBOR
Bonds
Please do not open customer accounts under this head.

These are treated as Zero Rate Loans.
As and when Dividend Is received, it is credited to the Dividend On Pref.
Shares Account directly through TM
Other Common Features
Match It With Account Review Date in the option H
May be stipulated in the disbursal schedule
Stipulate in the repayment schedule
This is not available. This has to be manually monitored
253
Lien
In Finacle, lien can be marked on a deposit account or on a OD Account for
securing another loan account. Lien can be marked through two options (a)
ALM menu or (b) SRM Menu. Upon marking the lien, the available balance in
an account gets reduced by the lien amount. The available balance is the
balance available for withdrawal and it is different from the book balance.
Book balance can be more than the available balance.
In the ensuing paragraphs we explain methodology for creation of lien
through SRM. For present, lien creation through ALM is not dealt with.
Marking lien through SRM:Please refer the SRM module of this book. If we take a deposit account as
security, we have to mention the deposit account number in the SRM. Upon
verification of the SRM, system creates lien on the Deposit to the extent of
the value of security mentioned in the SRM.
Lifting lien on the Deposit :In order to lift the lien, we have to go to SRM, make the value of security as
NIL. Upon verification of the SRM, the lien on the Deposit gets vacated.
Lien Inquiry :In the ACI menu, select T option for viewing lien details.
Precautions :Upon extension or renewal of the deposit account, lien does not get
carried forward. A fresh lien has to be created by modifying the lien
account number in the SRM.
Further following steps may be followed to avoid accidental payment of the
deposit even though lien is marked.
Specify the Loan A/c No : The User should specify the Loan Account
Number when any Loan Against the Fixed Deposit is being granted. This can
also be done through the ACM Mode.
Specify the Repayment A/c No : The User should specify the Loan Account
Number when any Loan Against the Fixed Deposit is being granted. This can
also be done through the ACM Mode.
Regularise Lien Amount on Maturity : Indicates whether on maturity date
the proceeds of the Fixed Deposit should be credited to the Loan / Overdraft
Account. If said Y the proceeds will be credited to the OD / Loan Account
whereas if the same is said as N the same will be renewed.
254
In the next few pages screens are given showing the fields where appropriate
account numbers and values may be given
OAAC FD Opening Scheme Details (1st Screen)
255
OAAC
FD
Opening
Scheme
Details
(2 nd
Screen)
Options available are :

- Through ALM : Key in the Lien Amount and the Lien
Reason. Press F10
- The same should be verified.
The above function can also be done through SRM through the Add Mode.
The Lien Account Details, Ceiling Limit and the Value of the Security should
be attached to the Loan.
256
The lien history can be seen from the ALM (H) history option which as
follows:
The indicators seen on the right side of the Lien Amount are as under:
M Marked Lien when Lien has been created
R Release of Lien when Lien has been released partly / fully
G General Modifications e.g. Changing of Expiry Date
Note
- Lien can also be marked in Clearing or in Flexi Fixed
Deposit (FFD Scheme) by way of carving lien marking
on the cheque or the amount of sweep in balance.
- The Lien Enquiry can be done through ACM
Screen T and through ALM. However, it should be
noted that if security is linked through SRM, the same
is seen in ALM only through the Inquiry Mode. Hence,
it is advisable that the User should always visit ACM
and find out the details.
257
ACCOUNT LIMIT HISTORY MAINTENANCE

Option: ACLHM
Sanction limits and drawing power can be allotted to an account at the time
of its opening in the option H. Subsequent to opening of the account, if
the limits or drawing power needs to be modified, the same has to be
effected through the option ACLHM. Some of the major features available in
this option are :1)
2)
3)
4)
5)
6)
Sanction can be given effect from a future date.

Date of expiry of the Sanction Limit can be mentioned.
Grace period after which Penal Interest to be charged can be defined.
In case of Limit Level Interest, rate of interest can be defined.
Inquiry of Sanction Limits / Drawing Power of an account
Cancellation / Modification of the Sanction Limits / Drawing Limit
This menu has a maker and checker concept. It has to be verified before
taking effect.
Modes Available And Functions
Mode
M
Functio
n
Modify
List
V
X
I
Verify.
Cancel
Inquire
Application
Modification of the particulars of sanction / drawing
power
Find out account of a customer based on short name /
Customer ID / Scheme Type / Scheme Code etc
Verification of sanction limit / drawing power
Cancellation of limit
Inquiry of limit
5.0.1.1.1.1.11
5.0.1.1.1.1.12 MODIFICATION OF SANCTION LIMITS
In the menu option type ACLHM and enter for going to the screen-1.
- The Status Field is applicable only for Inquire or List Mode
- In Modify Mode it should not be entered. In Verify and Cancel Mode
only Function and Account Number have to be specified
258
ACLHM Screen 1 selection of function.

Cursor Position
Function
A/C No.
Operation
Option
Value To Be Typed
Enter M for modification
sanction / drawing power is to be
amended
Enter S or D for choosing sanction limit
or drawing power
Enter A for granting additional limit and
M for modifying the existing limit.
Action
F4
F4
F4
F4
Cursor moves over to screen no.2

Note : The fields Applicable Date, Event and Status should not be entered if
you are in modification mode. These fields are applicable only for inquiry
mode.
259
ACLHM- Screen 2 ( Adding new limit to account)

Cursor Position
Applicable Date
Sanction limit
Limit level interest flag
Supercede Field
Sanction Date.
Security Description
Remarks Column
Sanction Level.
Value To Be Typed
Enter the date from which the limit is
sanctioned.
Enter the limit sanctioned
Enter N if interest rate to be charged is
same as that mentioned in the Account at
the time of opening.
Enter Y if interest on the limit is different
from what has been mentioned in the
account
Enter Y if the limits now sanctioned
supercede all the existing limits or N if
this is in addition to existing limits
Enter date of sanction, expiry of the limit,
period after which penal interest is to be
applied, date of documents, date of
review etc.
Describe the security in brief
Mention remarks as applicable
Press F2, select appropriate sanction level
by pressing Shift + F4
Action
F11
F11
F11
F4
F11
F11
F11
F11
260
Sanctioning Authority
Press F2, select appropriate authority by

pressing Shift + F4.
Sanction reference
Mention the reference no. of sanction
letter of Corporate Office
Cursor moves back to screen-1
F11
F4
Verification of sanction limits entered through the ACLHM option:In the Screen 1, in the function mode enter V, press F4. Cursor moves to
Account No. Key in the account number and press F4. Details of additions /
modifications pending for verification shall appear in the screen no-2. In the
option field, type V and press F4 for seeing the details. After satisfying that
the details are correct, press F4 and F10 for confirming verification.
Please Note : In the verification mode modification of any detail is not
possible. In case any detail is incorrect, then the same user who has created
the limits has to choose X for canceling the modification / addition.
The Other Options available to the User apart from the Add (A)
Option are :Mode
C
D
F
I
M
V
W
X
Function
Copy
Usage
Copying existing limit particulars to another limit. This
option can be used when the details of additional
limits are same as that of the existing limits.
Delete
If in any account limit has been erroneously entered, it
can be deleted
Component To see the break up of the limits available and
of
Available outstanding balance.
Balance
Inquire
To make an inquiry
Modify
To modify the existing sanction details
Verify
Verification of the limit details already entered
Withdraw
Withdrawal of sanction limit from the BOD date.
Withdrawal with effect from a future date is not
possible.
Cancel
For canceling any limit before verification is done
Allocation Of Drawing Power Through ACLHM

In the screen-1 above, type D instead of S and press F4.
The cursor moves to option field wherein, type A and press F4. The cursor
moves over to screen no. 3.
261
ACLHM- Screen-3 For Entering details of drawing power.

Cursor Position
Applicable date field
Drawing Power Indicator
Drawing Power %
Limit ID
Drawing Power
Value To Be Typed
Enter the date from which the DP would
be effective
Type D if DP is derived from securities.
Normally incase of secured retail loans it
is derived from securities.
Default value is 0.00. Leave it unchanged

Please Do Not Enter Any Value Here
Please Do not enter any value here. Upon
linking the account to Security, drawing
power will automatically be updated
DACC limit
Percentage
A/C recalled flag
Enter N (to indicate that the account is
not recalled)
Remarks column
Cursor moves back to screen no-2. Now Press F10 for committing the
Action
F4
F11
F11
F11
F11
F11
F11
F11
F4
record
262
5.0.1.1.1.1.13 Verification of the Drawing Power Details
Drawing power added / modified has to be verified by a person other than the
one who has entered.
5.0.1.1.1.1.14 Flow Chart Of ACLHM
ACCOUNT LIMIT HISTORY MAINTENANCE (ACLHM)

Options available are M (Modify), L (List),
(Inquire), C(Copy), V(Verify)
Entry by Maker & Verification by Checker
SANCTION LIMIT
A Add
C Copy
D Delete
I Inquire
M Modify
V Verify
W Withdraw
X Cancel
DRAWING POWER
A Add
C Copy
F Components of
Bal
I Inquire
M Modify
V Verify
C - Cancel
263
Limit Nodes In Finacle.
While opening the accounts under Money Equity, Overdraft Against FD,
Money Home etc, we saw that the account derives drawing power from
the SRM. One important factor to note is that in SRM, we can link only
one account, repeat only one account to a security. While this is fairly
adequate to manage the limits in respect of retail assets, you may find
it deficient to serve certain important requirements such as
1. Managing two or more accounts with drawing power deriving
from the same security.
2. Interchangeability of limits among different accounts.
3. Monitoring the overall exposure to a single client / group of
clients.
4. Exposure to a select commodity / security.
Here comes a tool called Limit Node Maintenance which helps you to
build these requirements in the limit management
Limit Node Concepts.
Limit nodes are used to group accounts under one node to enable easy
monitoring and organization. A limit node can be linked to a security
for deriving drawing power. Distribution of overall group (group may be
a group of clients or a group of accounts) limits to individual members
(members may be accounts or clients) is possible through creation of
Parent Nodes and Child Node. It would be interesting to note that limits
of every child node can further be distributed to group of accounts or
clients. This is diagrammatically explained in the next page.
The diagram represents the limits sanctioned to a client with the
following conditions
Facility
Funded
Particular
s
Term
Loan
WCDL
CC
BP
2
3
4
Total Funded Facilities
Non-Funded 1
LC
2
BG
Limit(Rs.Lakhs Remarks
)
200
Total of 1 to 4 not to
exceed Rs 500 Lakhs & 2
to 4 not to exceed Rs.300
100
Lakhs
150
150
500
300
Total Non Funded not to
exceed Rs 500 lakhs
300
264
Total Non- Funded Facilities

Gross Exposure
500
900
Total of Funded and non

funded not to exceed Rs
900 Lakhs
265
Control Of Limits through Nodes

Parent Limit. (This is the
overall limit for the
individual client)
This limit has to be set as

equal to the sanction limit.
Non Fund Based

Rs.500 Lakhs.
Fund Based Rs
500 Lakhs. This
limit has to be set
as equal to the
sanction limit.
Term Loan
Rs200
Lakhs.
Derived
from
Securities
WCDL
100
Lakhs
(Set
Equal to
san)
Working
Capital
Rs.300
Lakhs
(equal
CCStocks/BD
150 Lakhs
(Set
Derived)
This limit has to

be set as equal
to the sanction
to
LCs
Rs300
Lakhs
Equal to
san limit
BGs
Rs300
Lakhs
Equal to
san limit
Bills
Purchased
Rs150
Lakhs
Set
Equal
to
San.
266
SRM
Some times it would be

difficult to judge how to pass
on DP to an account.
Account
Should the account be linked

to SRM directly ?
(Start)
Is it
stand
alone ?
Yes
Should the account be linked

to Limit Node first and the
Limit node linked to SRM
No
Whenever
these
doubts
arise, follow the flow chart
and decide how to link the
account
Limit Node
What is
the
nature of
the
multiple
accounts
There
are
multiple
limits
which
are
interrelated in terms of
any of the following
1. Common Security
2. Interchangeabilit
y
3. Ceiling on overall
limits
There are multiple limits

but
they
are
not
interrelated in terms of
any of the following
1. Common Security
2. Interchangeability
3. Ceiling on overall
limits
267
Procedure for setting up limit nodes.

In the menu box, type LNM and press enter for moving over to the following screen
Cursor
Position
Steps To Be Followed :Value to be typed
Function
Block
Limit ID
Description
In the first block indicate the last 8 digits of the account

number
In the second block select the suffix by pressing F2 first and
Shift +F4 on the appropriate item
Mention the name of Account to be related to the Limit Node
Currency
Code
Mention the currency code- Except for the Foreign Currency

Loans, this would be INR
A
c
t
i
o
n
T
a
b
F
4
T
a
b
T
a
268
Customer ID
Mention the customer ID of the account
Parent Limit
ID
Mention the Parent ID
b
T
a
b
T
a
b
269
Drawing
Power
Indicator
Drawing
Power %
DP margin
retained
Limit San /
Expiry Date
San. Level
Code
San
Authority
Single Tran
Remarks
Situation
DP is derived from a parent

DP is equal to the sanction.
Normally this is true for apex
limits which control overall
limits
DP is derived from independed
security
DP is manually maintained
This needs to be filled in only when the DP
indicator is P
Dont Enter any Value.
V
a
l
u
e
P
E
Tab
D
M
Tab
Tab
Mention the dates of sanction and expiry
Tab
Press F2, select by pressing Shift +F4
Tab
Press F2, select by pressing Shift +F4
Tab
If the limit is valid for a single transaction, Y

otherwise, N
Mention remarks if any
Tab
F10
Now the Limit Node has to be verified by appropriate authority for making it effective.
Case Study :Company Trainee No- has 2 interchangeable limits (a) CC Stocks
(b) WCDL. Other details are as under:Particulars
CC limit
WCDL Limit
Security
Margin
Covenants
Amount
Rs50 Lakhs
Rs 50 Lakhs
Stocks Rs 80 Lakhs
Book Debts-Rs90 Lakhs
Stocks 25%
Book-Debts 40%
Drawings against book debts not to
exceed Rs30 Lakhs
Total Funded Limit not to exceed Rs
80 Lakhs
You are required to set up the limits and test the accuracy of the set
up.
270
Temporary Over-Drafts When Created ?
Application
Interest
of
System Created
Single
Transaction
(IC)
Fall In value of
security.
System Created
Single
Transaction (DL)
If (a) OD / CC account
is
linked
to
FFD
account, and (b) on
the day of withdrawal
funds are insufficient,
TOD would be created.
On the date of expiry
of TOD, FFD would be
split up and TOD
While
Posting
Transactions,
if
funds
are
not
adequate, system
would create TOD
and
pass
OCCASSIONS
CREATING TOD
FOR
TOD
can
be
granted at the
time of execution
of
Standing
Instructions
/
Inward Clearing
(IN)
While recovering
loan instalmentsif
Operative A/C has
insufficient funds,
system
creates
TOD
While Posting
Back
Dated
Transaction
/
Reduction
in
limit
with
retrospective
effect (OC)
User can grant

the TOD through
option-TODM
(UG Type)
271
TEMPORARY OVERDRAFT
TOD is a credit decision and naturally, is normally conscious. Whenever

the user debits a loan account, Finacle checks for (a) Sanction Limit
(b) Drawing Power and allows the debit if the balance post debit would
be within Sanction Limit / Drawing Power whichever is lower. In case
the post debit balance would exceed the same, the system would warn
the user by throwing exception that funds are insufficient. Under
such circumstances, the user has to grant TOD and allow the debit. In
effect, the system provides a tool to avoid accidental and unintended
TOD in the hands of the authorizer.
It would be now appropriate to envisage that while running the batch
jobs such as application of interest, standing instructions etc, the
system could face with such situation. While running batch jobs, there
is no scope for the system to analyse case to case and grant TOD. This
calls for enabling the system to grant TOD upon the occurrence of
certain predefined events so that posting of system generated entries
such as interest calculation etc does not get stalled.
As the events for TOD in the diagram shows, there can be 5 occasions
for granting system generated TOD. However only the following two
system generated TODs and one User Generated TOD are enabled.
Type
IC
DL
UG
Event
Mode
Interest Calculation
Drop In Limit
Uger Generated
Single
Single
Single / Running / Adhoc
Examples of Mode
Mode
Single (S)
Running
Adhoc
How Operates
Applicable for specific Purpose and use once only
Ex-TOD Rs 5 Lakhs granted for period 01.01.01 to
10.01.01. Client utilizes it on 02.01.01 and on
03.01.01 remits Rs 2.50 Lakhs. Balance Rs 2.50
Lakhs cannot be used again
Allows the client to operate within the TOD for the
defined period
Allows the client to operate within the TOD for the
defined period
If both Running and Adhoc serves the same purpose, why both are
necessary?
272
The system counts the number of TODs in an account. In case the

cumulative number is higher than predefined number (which is 1 per
day at present), the system throws exception. All TODs under
Single and Running type are eligible for counting. However, Adhoc
is not included for this purpose.
The menu and the fields for creating user granted TOD is explained
below:-
In the menu option type TODM and press Enter . Above screen
comes up. Make entries as below now.
Cursor
Value to be typed
Action
Position
Function
M
F11
A/C No
Mention the account number for which F4 twice
TOD is being granted
Status
& Leave Blank
Event Type
Option
A
F4
273
Cursor
Position
Grant Date
TOD
Level
Intt
Advance
Amount
Expiry Date
Penalty Date
Advance
Type
Advance Cat
Normal Intt
Penal Intt
Permitted By
Remarks
Value to be typed
Action
Date of Sanction of the TOD

Change the value to N (If it is Y, rate of
intt for the TOD would be what is defined
here. If it is N, whatever is applicable
to regular limit)
Amount of TOD granted
F11
F11
Date on which the TOD expires

Date from which penalty has to be
applied
A for Adhoc, R for running and S for
single
C for Clean and N for secured
In case TOD level Flag is Y, mention the
normal interest rate for the TOD
In case the TOD level flag is Y, mention
the penal interest rate for the TOD
ID of the Sanctioning Authority
Mention the reasons for sanction of TOD
F11
F11
F4
F11
F11
F11
F11
F11
F4
274
Cursor goes back to the 1st screen. Now press F10 for committing the
record
Now the record has to be verified. The verifier has to invoke the same menu
TODM and opt for V- verify mode. Account details have to be entered and
upon pressing F4 the details of TOD would come up. In the Option Code Box,
do not enter any value and press F10 for committing. Following screen would
come up showing exceptions if any. Now press F4 for accepting the
exceptions
Change of status to regularized

This is a batch job executed at the time of EOD. All TODs which
expire on a date shall be marked as regularized / irregular
depending upon the status of repayment.
Further, if there are multiple overdrafts of different types, the recovery is
treated as for regularization of TOD due for regularization in the following
sequence.
i.
ii.
iii.
iv.
Due Date
Single Clean
Running Clean
Adhoc Clean
275
v. Single Secured
vi. Running Secured
vii. Adhoc Secured
Application of Interest:The system has a bias in favour of client Outstandings are covered
in the following sequence.
Priorit
y
1
Limit Type
Pref Within the Limit
Pref
Regular limits
Limits with Penalty

Rate Not ReachedLimits with penalty
rate not reached
Limits with account
level interest
Limits with limit level
interest, in ascending
oreder
of
normal
interest
Limits with account
level interest
Limits with limit level
interest, in ascending
order of normal +
penal interest
All
TODs,
whose penalty
dates are not
reached
All
TODs,
whose penalty
dates
are
reached
2
1
2
1
2
276
INTEREST CALCULATION FOR LOANS & ADVANCES

Interest Concepts
In Finacle, two types of interest rate codes are maintained. These are (a)
Base Interest Code and (b) Differential Interest Code. The differential interest
codes give the sum of base interest code and spread. Interest calculation is
always through the differential interest code.
How to identify the Base Interest Code and Differential Interest Code
?
While opening the account, in the field for interest, press F2. Following
screen giving List of interest codes available will come up
The last column Base Ind mentions the status of the code. If it is Y, it is a
base code. If it is N, it is a differential code.
Base Interest : This is a reference rate from which the ultimate rates
applicable to the account are derived. STPLR, LTPLR, WCPLR are all base
rates. Base rates should not be linked to any account
277
Differential Interest : This is a rate which is charged over and above the
Base Rate. Depending upon the type of account, amount, period, customer
etc. Interest codes are designed to indicate the final interest that would be
applied upon selecting the code. The following will explain :Table
Code
L100
L200
S100
S200
W100
W200
Rate Applicable to client

LTPLR + 100
LTPLR +200
STPLR +100
STPLR + 200
WCPLR + 100
WCPLR +200
These Interest Codes can be linked to the Account.

The Interest Table Codes linked to Prime Lending Rates are available for the
range PLR +0.00 to PLR + 4.00 Percent at incremental slabs of 0.25 Percent.
If any client has to be charged differential / spread which is not a multiple of
0.25 Percent, the same is to be defined through Account Preferential Interest.
Following example clarifies the position:
How
much
Interest
to
be
Applied
Interest Rate to be
applied
LTPLR + 200 Basis
Points
LTPLR + 210 Basis
Points
LTPLR + 220 Basis
Points
How to Mention it During Account Opening

(OAAC)
Interest Table Account
to be selected Preferential
L200
0
Net Interest
L200
0.10
LTPLR + 2.10%
L225
(-) 0.05
LTPLR + 2.20%
LTPLR + 2%
Flat Interest Rate : In case Flat Interest Rate is to be charged to any

account i.e. which is not fluctuating in nature (having no impact on changes
in PLR), the User has to select (by pressing F2) during Account Opening
(OAAC Screen for General Account Details Field Interest Rate Code) the
specified Interest Rate Code e.g. If Flat Interest Rate is 16.50%, the User has
to choose Interest Rate Code 16.50.
Flat interest rates are available for the range 5% to 20% at incremental rate
of 0.25%. i.e., 5.00%, 5.25%,5.50%, ..19.25%, 19.50%, 19.75% and
20.00%
Penal Interest Rate : Penal Interest has been loaded at the rate of 2% per
annum in all Interest Tables in case of Overdues / Excess Drawings and delay
in submission of Stock Statements.
Hence, Penal Interest will be
automatically applied.
278
Modification of interest after opening of account

Interest codes can be modified at the time of opening an account in the
option G. After opening of account, if interest is to be modified, it has to
be done through the option
These may be modified through Menu Option INTTM. In the menu option,
type INTTM and press enter. Following screen comes up.
Cursor Position
Function
A/C / Bill / Disb
A/C Number
Value to be entered
M (for modify)
A
Key in the A/C Number, for which
interest code would be changed
Interest Table Code
Press F2, select appropriate code
by pressing shift + F4
Customer
Enter the preferential if any
Preferential Dr)
approved
Account
/
Bill Account
preferential
if
any
Preferential
approved
Is intt pegged
Enter Y or N as required
Key
to
pressed
entering
value.
F11
F11
F4
be
after
the
F11
F11
F11
F11
279
Pegging Frequency
Start Date
No of days
End date
If Intt Pegged Is Y, this field has

to be filled in. Or else, leave it
blank
Give the Date from which the
new rate would take effect
Mention the no of days after
which penal intt would be
effective
Mention the date upto which the
code will be valid
F11
F11
F11
F10
Verification of INTTM
Any modification done in INTTM has to be verified by a person authorized
to do so. Unless verified, the modification will not be effective
280
INTEREST CALCULATION
Interest Calculation on Loans / Advances has been divided into the
following steps:
- Accrual
- Booking
- Interest Calculation
1. ACCRUAL OF INTEREST
- accrual is the process of incrementally calculating the
Interest for the Accounts
- there will be no accounting entries during accruals
- accrual for accounts can be done through ACACCR
- user to key in the Service Outlet, Report to, From
Account Number, To Account Number, From Date,
To Date and Dr / Cr Interest as D. Thereafter he
has press F4. A small Print Menu Option will pop-up.
User has to key in Foreground/Background as F,
Print Required as Y/N, thereafter he has to press F10,
which will generate a report.
ACACCR Screen
Accrual would be helpful if you want to advise a customer how

much interest he has to pay for closing the account.
281
2.
BOOKING OF INTEREST
- booking is the process of recognizing the interest
liability as on a particular date
- Transactions passed will be
Dr
Interest Receivable A/c
Cr
Profit & Loss A/c (Interest Received A/c)
- booking for the accounts is done through ACBOOK
- when the user invokes booking, system will accrue the
interest till the date requested, get the interest
accrued figure since the last booking done and
generate booking transaction
- booking can be done even without doing the accrual
- in booking menu we can either book the Interest as on
any date to arrive at the actual profit and loss position
but not account the same. In order to achieve this, the
user has to indicate a value for the field Booking for
Reversal as Y
- user has key in the Service Outlet, Report to, From
Print Required as Y/N, thereafter he has to press F10
ACBOOK Screen
282
283
3. COLLECTION OF INTEREST
actual process of interest collection from the Customer
ACINT is the menu for calculating Interest for all
customer accounts
- The transaction generated during ACINT is:
(a) If ACBOOK has been executed for the account:Dr
Loan A/c
Cr
Interest Receivable A/c
(b) If ACBOOK has not been executed for the account:Dr
Loan A/C
Cr
P/L Interest
- Interest calculation can be done in Adhoc mode or in
actual mode
- User to key in the Service Outlet, Report to, From
Print Required as Y/N, thereafter he has to press F10
-
ACINT Screen
284
CLOSURE OF ACCOUNT
Menu Option CAAC
Before Closing an Account, see whether :
-
Interest Calculation has been run upto date, if not run the
Interest Calculation from the same screen
Posting of Transactions from the same screen
Standing Instructions to invoke the Standing Instructions. If
Standing Instructions exist and there is no Balance in the
Account, Supervisor has to approve to delete the Standing
Instructions.
Charges not Recovered (CACC) see whether any charges are
not recovered from the account CACC screen gives the list of
unrecovered charges. If not recover the same and proceed to
close the account.
Approval of Closure through CAACAU.
285
Useful Menu At A Glance

Menu
Option
Screen
Name
CUMI
Option A
Screen Description
Customer Account List
ACS
Account Selection & List
ACI
Customer Account Inquiry
ACLI
Account Ledger Inquiry
ATI
Account Turnover Inquiry
AITINQ
Account Interest Details Inquiry
SRM
Security register maintenance
SRL
List of securities attached to

account
Dates of Inspection
Dates of Insurance
List of accounts attached to a
parent node
Limit Node Maintenance
LTL
LNM
ACLHM
OAAC
OAACAU
INTTM
TODM
REPHSEI
LAOPI
LARSH
LAGI
TODRP
LLIR
CAAC
Used For
&
Displays
all
Accounts of the
Customer
Displays
all
Accounts
of
Customer
with
corresponding Bal.
Displays
Static
Data of Account
Displays
Account
Statement
Displays
Account
Turnover
Displays
Interest
Details of Account
Addition,
modification,
deletion of security
Addition
Modification
LNM
/
of
Modification of sanction limits /

drawing power
Opening of account
Verification
/ modification of
account
Interest
rate
enquiry
and
modification
TOD maintenance
Rephasement
of
EMI
loan
accounts
Overdue Position Enquiry
Repayment Report
Loan Account General Inquiry
TOD Report
Limit Liability Inquiry
Closure of Account
286
CAACAU
LAFM
LAFHM
LAMCM
LADSP
CUIR
Verification of closed account

Loan Flow Maintenance
Loans
Follow
up
History
maintenance
Loans Message Maintenance
Loan
Demand
Satisfaction
Programme
Customer Interest Report
CASE STUDY FOR EMI LOAN

CASE: 1
Mr.S.Ramesh, has been sanctioned a loan of Rs.2.00 lacs as housing loan.
Guarantor for this loan is Mrs.Geetha Ramesh.
Scheme : RLOHE Retail loan Housing Up to Rs.10.00 lacs.
You are required to DO the following,
Open a Client Id for Mr.S.Ramesh as per the details given below.
Please open a savings bank a/c for the above customer and note down
the a/c which a/c should be mentioned at the Housing Loan for
repayment of the loan.
In the savings bank a/c give nominee also. (Mrs.Geetha Ramesh is the
Nominee for the savings Bank
Open a housing loan for Mr.Ramesh and find out the EMI.
Please note that you are required to use your name instead of
Mr. S Ramesh (Principal Borrower) and create the loan a/c
accordingly.
Client Details for Mr.S.Ramesh are given below,

Name of the customer
Address
Phone No
(Res)
Off
EMAIL
Passport No
Issue Place
Valid Upto
Credit Card No
Financial Details
Salary Income
: Mr.Ramesh.S (Principal Borrower)

: No.160, Jothi Paradise
Andheri East
Mumbai- 4000069
: 8309448
: 8561452
: s_ramesh@yahoo.com
: PAS8523
: Mumbai
: 31.05.2005
: 4129 0473 8006 8726, Issued by SCB
:
: Rs.6.00 lacs ( As per Form 16 )
287
Property Asset
: Rs.20.00 lacs
Investment in shares
: Rs.2.00 lacs
In LIC Policies
: Rs.1.50 lacs
Bank Deposits
: Rs.0.50 lacs
Other Liabilities
:
Share Loan from Stanchart
: Rs. 1.00 lac
Net Worth of the customer
: Rs. 29.00 lacs
Name of the Guarantor
: Mrs.Geetha Ramesh
Address
: No.160, Jothi Paradise
Andheri East
Mumbai- 4000069.
Phone No
Res
: 8309448
Off
: 8529561
Passport Number
: PAS8571
Issue Place
: Mumbai
Valid Upto
: 31.05.2005
Credit Card No
: 4129 0473 8006 8726 , Issued by SCB
Financial Details
:
Salary Income
Investment in shares
In LIC Policies
Bank Deposits
Other Liabilities
Networth
: Rs.2.00 lacs ( As per Form 16 )

: Rs.1.00 lacs
: Rs.0.50 lacs
: Rs.0.50 lacs
: Nil
: Rs.4.00 lacs
Please note that there is no customer preferential interest for the

above customer
1.
2.
3.
4.
5.
Loan A/C Details :

Account Relation Manager
: Mr.S.Subash.
Pass Sheet to be given every quarter.
Credit File Number
: 123
Review Level
: Branch
Operative A/C number
: Savings A/C number of the
customer
Loan Amount Sanctioned

Sanction Date
Expiry Date
Document Date
Review Date
Sanction Level
Sanction Authority
Sanction Reference
Rate of Interest
:
:
:
:
:
:
Rs.2.00 Lacs
13.05.2000
13.05.2015
13.05.2000
13.05.2005
Branch
: Branch Head
: HLA/15/2000-2001
: 13.35 % pa
Loan Disbursement Details : Loan to be disbursed on 13.05.2000

(Please note that assumption has been made that for this date BOD has
been run in the system).
288
Disbursement to be made by issuing a payorder in Favour of HUDCO.

Repayment Details : Loan is repayable in 15 YEARS.
Processing Charges : Please debit processing charges of 0.50 % of the
loan amount to the loan a/c.
Please create the above loan a/c and generate repayment schedule report for the
same.
Case Study For OD against Fixed Deposit
Case : 2
Mr.S.Ramesh , has placed a Fixed Deposit of Rs.1.00 lac for period of ONE
YEAR with our bank. Now he has approached the Bank for sanction of a
overdraft of against this Fixed Deposit to the tune of Rs.0.80 lac. You are
required to do the following,
Open a Fixed Deposit for Rs.1.00 lac for a period of one year with the
following details:
Rate of Interest : 10.25 % pa
Nominee
: Geetha Ramesh
Scheme
: RTCMC
At the time of maturity of the deposit matured amount to be credited
to the OD against FD a/c to be created.
Open an Over Draft a/c with the following details,

Scheme
:
Sanctioned Limit :
Sanction Date
:
Expiry Date
:
Review Date
:
Sanction Level
:
Sanction Authority :
Sanction Reference
Rate Of Interest
:
RLODT
Rs.80,000.00
13.05.2000
13.05.2001
12.05.2001
Branch
Branch Head
: ODFD/18/2000-2001
12.25 % pa
Pass sheet to be issued every month.

Interest to be debited to the loan a/c itself.
Link the deposit a/c opened to the OD a/c created and fix the drawing
power for the OD a/c.
Please generate a report of the Security Register pertaining to the above

OD a/c.
289
CASE STUDY FOR Money Equity

CASE -3:
Mr.S.Ramesh, has been sanctioned a loan of Rs.20.00 lacs under the Money
Equity Scheme. He submits to you following equity shares.
Company Name
ABB Equity
HCL infosystem
HDFC Eq
Security Code
IA01
IH01
IH03
Quantity
5000
6000
2500
(Scheme : RLSHL )
You are required to DO the following,
Open Money Equity A/C in the name of Mr. Ramesh (You may use your
name instead of Ramesh)
Enter the security details in the SRM and link to the account.
Find out the drawing power of the account. Is it equal to the Sanction limit
? If it is less than sanction limit, why is it less?
Sanction Terms:Margins stipulated : 35% on each of the security
Your Bank allows a maximum of Rs.6,00,000 against each equity share.
Other Details:1. Account Relation Manager: Mr.S.Subash.
2. Pass Sheet to be given every quarter.
3. Credit File Number
: 123
4. Review Level
: Branch
5. Loan Amount Sanctioned : Rs.20.00 Lacs
6. Sanction Date
: 13.05.2000
7. Expiry Date
: 13.05.2001
8. Document Date
: 13.05.2000
9. Review Date
: 12.05.2001
10.Sanction Level
: Branch
11.Sanction Authority
: Branch Head
12.Sanction Reference
: HLA/15/2000-2001
13.Rate of Interest
: LTPLR +400
Case 4 :-
The above Money Equity Borrower substitutes the entire ABB equity
with 1000 Ranbaxy Shares (Security code :IR01). Make necessary
changes in SRM and find out the revised Drawing Power.
290
Case 5:One Mr Doubtful created a FD account and OD against FD. While going for creating of lien in
SRM, Mr Doubtful mentioned the OD account Number in the field for lien account number. Now
you are required to advise Mr. Doubtful if the OD account holder can withdraw any amount. If
not, the reasons for it and suggest the corrective steps.
Case 6 :While opening a OD account, in the limit details one Ms. Experiment entered the following
details.
Max Debit Balance
Max Allowable
Limit Sanctioned
Drawing Power Indicator
SRM
Margin
Ceiling
:
:
:
Rs.100000
:
Rs. 90000
:
Rs. 75000
:
D
:
Value of security
Rs.100000
20%
Rs75000.
Subsequently, the OD limit was to be enhanced to Rs 85000. Ms. Experiment made following
changes:Limit Sanctioned
:
Rs 85000
After carrying the changes, Ms. Experiment found that the OD account allows drawings of Rs
75000/- only. Can you explain her why the situation is so and suggest the steps to be taken.
Case - 7:Rephasement of Term Loan Case
ABC was disbursed a loan of Rs.8,00,000 under Money Drive. The details are
given below:Loan Amount Sanctioned
:
Rs8,00,000.
ROI
:
12% pa
Repayment
:
36 EMI commencing one month
After disbursal
Repayment
:
By client directly
The statement of account shows following transactions.
Date
Particulars
Dr
Cr
Balance
01.10.1999
Disbursement 800000
-800000
10.10.1999
Interest
2500
-802500
10-11-1999
Installment
20000
-782500
10-11-1999
Interest
2500
-785000
10-12-1999
Interest
2700
-787700
08-01-2000
Installment
7700
-780000
10-01-2000
Interest
3000
-783000
01-02-2000
Installment
10000
-773000
10-02-2000
Interest
3000
-776000
291
10-03-2000
08-03-2000
Interest
Installment
3100
4100
-779100
-775000
You are required to

1.
2.
3.
4.
Open the account under RLMDL as of 01-03-1999

Upload the above entries using option LAUPLDMD
Find out the overdue amount using option LAOPI
Rephase the account using option REPHASEI.
Guidelines for the exercise:Option

Remarks.
Opening the
1. In the Option G, mention the date of Opening as 01account
03-1999.
2. In the Option S, mention Transfer In as Y
3. In the option U, mention Rs.778000 as the transfer
liability
Uploading the
In Finacle, there is provision to upload individual
transactions
transactions right from the date of opening an account.
The upload is through option TM
After posting the first transaction, LAUPLDMD has to be
run.
Every transaction in the clients account has to be
replicated as a transfer transaction.
Rephasement
The contra account for the transaction in live situation

would be the account which is being transferred / an
office account. In the instant case, you may take the
operative account of the client as contra account.
In Finacle there is option to rephase in the following
manner:1. Increase the repayment period, keeping the
installment amount constant
2. Keep the installment amount constant and
increase the repayment period.
Before rephrasing an account, it is essential to update
the interest.
Case 8
A Company ABC Ltd has a FD of Rs 200 Lakhs. The tenor is 2 years.
The Company wants two different Overdrafts - one for its Purchases
Dept and another for its Premises Department. The Company
requests you to permit each of the department to avail upto Rs 100
Lakhs, total limit not to exceed Rs 160 Lakhs. You would like to
sanction the OD. Now you are required to set up two accounts, post
transactions to utilize both the limits to the maximum.
292
Hints :
Set Up Parent limit node for Rs 200 Lakhs Child to derive 50% each
- Link Limit node to SRM.
Case 9
Mr. Genuine is your both valuable and reasonable client. The client
enjoys OD of Rs 20 Lakhs against FD of Rs 25 Lakhs. On the date of
maturity of the FD, he approaches you and requests you to renew
both FD and OD. You are inclined to accommodate his request. In the
Present set up upon renewal of a FD, the amount first of all goes to
OD account. Suggest the steps you have to follow for arranging the
renewal of the FD and OD.
Case 10
M/s Indiscipline Unlimited enjoys Term Loan of Rs 100 Lakhs with
you. It was to create mortgage on its property on 01.10.1999, but
failed to do so. The Co explained you that the NOC from Consortium
Leader is pending. On 01.12.1999 you decided to take the following
course of action:1. If Mortgage not created by 15-12-2000, apply penal interest of
1%
2. If Mortgage not created by 15-01-2000, apply penal interest of
2%
How would you set up the penal rates?
Case 11
M/S Unplanned Limited enjoys CC limit of Rs.50 Lakhs with you. The
limits are secured by stocks at 30% margin. For the month of April
2000, it submitted a statement showing net paid stocks of Rs 75
Lakhs. On 15th April 2000 the Company approached you with a
request to grant TOD of Rs 10 Lakhs for payment of sales tax. You
agreed to accommodate the TOD for 30 days, since the absolute
value of stocks cover the drawings. Mr Quicky completed the
formalities of setting up the TOD. In the TOD option, he described
the TOD as secured and adhoc.
The Companys cheque for Rs10 Lakhs was received on 17 th April
2000 and the Counter Staff informed you that the account shows a
debit balance of Rs50 Lakhs against a drawing power of Rs. 52.50
Lakhs and hence the sales tax cheque cannot be passed.
You are required to find out why the Drawing
increased even after sanction of TOD.
Power has not
293
Case -12
The Credit In Charge of your Branch went on leave unexpectedly.
Just two days after You took charge, you receive instructions to
confirm that all the insurance of all the securities are in full force.
Is there any way to find out
the status from the Finacle Software ?
Case-13:M/S Idle Limited enjoys the following limits:Cash Credit Against Stocks :Margin
Maximum
Limit
Raw
25%
50 Lakhs
Material
Stock
In 60%
25 Lakhs
Process
Finished
25%
75 Lakhs
Goods
Total
125 Lakhs
How would you set up the limit.
Case 14:M/S Liberal Limited enjoys limit against book-debts of Rs.100 Lakhs
on the following lines:Particulars
Bood Debts
Upto
90
days
91-120
Days
121-150
Days
Total
Margin
25%
Maximum
100 Lakhs
40%
50 Lakhs
60%
10 Lakhs
100 Lakhs
How would you set up the limit?
294
295
1. Structure of Accounts
2. Scheme codes of Suvidha
3. Events Leading To Transactions To Office Accounts
4. Event Wise Transactions Passed In Finacle By System And User
5. Office accounts for Scheme Codes
6. Event Wise Vouchers To Be Passed In Cad
7. Reports that can be generated by Users in Finacle
8. Daily Routine To Be Followed By The User
9. Batch Jobs Performed By System
10. Suvidha Fixed Deposited Migrated From Informix
11. How to configure Finalce to PC
296
1.0
Structure of Accounts (Suvidha) in Finacle
1.1 Scheme Codes

Field
IT123
IT
1
Purpose
Scheme Code
Value
Meaning
IT
IDBI Term Deposit
C
Client
S
Staff
I
Inter bank
B
Bulk
Z
Senior citizen
2
Tenure of the deposit
S
for Short Term
M
for Mid Term
L
for Long Term
3
Interest Method
S#
Simple
C@
Compounding
M
Monthly Payout
Q
Quarterly Payout
A
Annual payout
# All Schemes ending with S under Short Term are upto 179 days
@ All Schemes ending with C under Short Term are 6 months and less than 1
year.
Category
All accounts in Finacle are grouped as under:

All accounts are linked through GL codes such as
10 (Deposit Customers),
32 (Other Liabilities Interest Accrued)
81 (Interest Expenses Term Deposit)
which are sub-divided tenure wise under GL Subheads.
Field
Value
Office Account
XXXABCDEFGHIJK
XXX
401 417
ABCDE
GL sub head code
31100
32225
32325
32425
34600
14 digits
SOL No
# Inter Office Adjustment Branch A/c
# Interest Booked on Short Term
# Interest Booked on Mid Term
# Interest Booked on Long Term
TDS Due Account
A/c no
Description
297
XXX34600010001
TDS Due A/c
37000
Suspense account
A/c no
Description
XXX37000010015
FD suspense A/c
XXX37000010025
TDS parking A/c
XXX37000010027
Sundry deposit A/c
50500
Cash Account - Not available for use
75600
Advance Tax
81125
# Interest Expenses Short Term
81225
# Interest Expenses Mid Term
81325
# Interest Expenses Long Term
FG
01
Currency - Indian Rupee
HIJK
Running Serial No for each scheme code
Note #. System only Account User can not pass any transaction to this
account.
Go to ACLI menu, Press F2 to see the selection criteria and see all the values
and the meaning through List available for various fields.
Field
Value
Customer Account
XXXABCDEFGHIJKL
XXX
401 417
GL sub head code
ABCDE
10525
10625
10725
FGHIJK
L
15 digits
SOL No
Short Term
Medium Term
Long Term
Serial Number
Check digit generated by system
298
SCHEME CODES
A. SHORT TERM SUVIDHA DEPOSITS ( LESS THAN 1 YEAR)
A.1: CLIENT ( Utpo 1 Crore)
Sl.
Scheme
Description
No Code
01
ITCSS
IDBI SUVIDHA CLIENT SHORT TERM SIMPLE INTT
02
ITCSC
IDBI SUVIDHA CLIENT SHORT TERM COMPOUND INTT
A.2: BULK ( Above 1 Crore )
Sl.
Scheme
Description
No Code
03
ITBSS
IDBI SUVIDHA BULK SHORT TERM SIMPLE INTT
04
ITBSC
IDBI SUVIDHA BULK SHORT TERM COMPOUND INTT
A.3: INTER BANK ( Utpo 1 Crore)
Sl.
Scheme
Description
No Code
ITISS
IDBI SUVIDHA INTER BANK SHORT TERM SIMPLE INTT
05
06
ITISC
IDBI SUVIDHA INTER BANK SHORT TERM COMPOUND
INTT
A.4: STAFF ( Utpo 1 Crore)
Sl.
Scheme
Description
No Code
07
ITSSS
IDBI SUVIDHA STAFF SHORT TERM SIMPLE INTT
08
ITSSC
IDBI SUVIDHA STAFF SHORT TERM COMPOUND INTT
A.5: SENIOR CITIZEN ( Utpo 1 Crore)
Sl.
Scheme
Description
No Code
09
ITZSS
IDBI SUVIDHA SENIOR CITIZEN SHORT TERM SIMPLE
INTT
10
ITZSC
IDBI SUVIDHA SENIOR CITIZEN SHORT TERM COMPOUND
INTT
B. MEDIUM TERM SUVIDHA DEPOSITS ( 1 YEAR TO LESS THAN 2 YEARS)
B.1: CLIENT ( Utpo 1 Crore)
Sl.
Scheme
Description
No Code
11
ITCMC
IDBI SUVIDHA CLIENT MEDIUM TERM COMPOUND INTT
12
ITCMM
IDBI SUVIDHA CLIENT MEDIUM TERM MONTHLY PAYOUT
13
ITCMQ
IDBI SUVIDHA CLIENT MEDIUM TERM QTRLY PAYOUT
299
14
ITCMA
IDBI SUVIDHA CLIENT MEDIUM TERM ANNUAL PAYOUT
B.2:
Sl.
No
15
16
17
18
BULK ( Above 1 Crore )

Scheme
Description
Code
ITBMC
IDBI SUVIDHA
ITBMM
IDBI SUVIDHA
ITBMQ
IDBI SUVIDHA
ITBMA
IDBI SUVIDHA
B.3:
Sl.
No
19
INTER BANK ( Utpo 1 Crore)

Scheme
Description
Code
ITIMC
IDBI SUVIDHA INTER BANK MEDIUM TERM COMPOUND
INTT
ITIMM
IDBI SUVIDHA INTER BANK MEDIUM TERM MONTHLY
PAYOUT
ITIMQ
IDBI SUVIDHA
INTER BANK MEDIUM TERM QTRLY
PAYOUT
ITIMA
IDBI SUVIDHA INTER BANK MEDIUM TERM ANNUAL
PAYOUT
IFIMQ
IDBI SUVIDHA INTER BANK FLEXI FIXED MEDIUM TERM
QTRLY PAYOUT
20
21
22
23
BULK MEDIUM TERM COMPOUND INTT

BULK MEDIUM TERM MONTHLY PAYOUT
BULK MEDIUM TERM QTRLY PAYOUT
BULK MEDIUM TERM ANNUAL PAYOUT
B.4:
Sl.
No
24
25
26
27
STAFF ( Utpo 1 Crore)

Scheme
Description
Code
ITSMC
IDBI SUVIDHA STAFF MEDIUM TERM COMPOUND INTT
ITSMM
IDBI SUVIDHA STAFF MEDIUM TERM MONTHLY PAYOUT
ITSMQ
IDBI SUVIDHA STAFF MEDIUM TERM QTRLY PAYOUT
ITSMA
IDBI SUVIDHA STAFF MEDIUM TERM ANNUAL PAYOUT
B.4:
Sl.
No
28
SENIOR CITIZEN ( Utpo 1 Crore)

Scheme
Description
Code
ITZMC
IDBI SUVIDHA SENIOR CITIZEN MEDIUM TERM
COMPOUND INTT
ITZMM
IDBI SUVIDHA SENIOR CITIZEN MEDIUM TERM MONTHLY
PAYOUT
ITZMQ
IDBI SUVIDHA SENIOR CITIZEN MEDIUM TERM QTRLY
PAYOUT
ITZMA
IDBI SUVIDHA SENIOR CITIZEN MEDIUM TERM ANNUAL
29
30
31
300
PAYOUT
C. LONG TERM SUVIDHA DEPOSITS ( TWO YEARS AND ABOVE)

C.1: CLIENT ( Utpo 1 Crore)
Sl.N Scheme
Description
o
Code
32
ITCLC
IDBI SUVIDHA CLIENT LONG TERM COMPOUND INTT
33
ITCLM
IDBI SUVIDHA CLIENT LONG TERM MONTHLY PAYOUT
34
ITCLQ
IDBI SUVIDHA CLIENT LONG TERM QTRLY PAYOUT
35
ITCLA
IDBI SUVIDHA CLIENT LONG TERM ANNUAL PAYOUT
C.2: BULK ( Above 1 Crore )
Sl.N Scheme
Description
o
Code
36
ITBLC
IDBI SUVIDHA BULK LONG TERM COMPOUND INTT
37
ITBLM
IDBI SUVIDHA BULK LONG TERM MONTHLY PAYOUT
38
ITBLQ
IDBI SUVIDHA BULK LONG TERM QTRLY PAYOUT
39
ITBLA
IDBI SUVIDHA BULK LONG TERM ANNUAL PAYOUT
C.4: INTERBANK ( Utpo 1 Crore)
Sl.N Scheme
Description
o
Code
40
ITILC
IDBI SUVIDHA INTERBANK LONG TERM COMPOUND
INTT
41
ITILM
IDBI SUVIDHA INTERBANK LONG TERM MONTHLY
PAYOUT
42
ITILQ
IDBI SUVIDHA INTER BANK LONG TERM QTRLY PAYOUT
43
ITILA
IDBI SUVIDHA INTER BANK LONG TERM ANNUAL PAYOUT
C.5: STAFF ( Utpo 1 Crore)
Sl.N Scheme
Description
o
Code
44
ITSLC
IDBI SUVIDHA STAFF LONG TERM COMPOUND INTT
45
ITSLM
IDBI SUVIDHA STAFF LONG TERM MONTHLY PAYOUT
46
ITSLQ
IDBI SUVIDHA STAFF LONG TERM QTRLY PAYOUT
47
ITSLA
IDBI SUVIDHA STAFF LONG TERM ANNUAL PAYOUT
C.6: SENIOR CITIZEN ( Utpo 1 Crore)
301
Sl.N
o
48
Scheme
Code
ITZLC
49
ITZLM
50
ITZLQ
51
ITZLA
Description
IDBI SUVIDHA SENIOR CITIZEN LONG TERM COMPOUND
INTT
IDBI SUVIDHA SENIOR CITIZEN LONG TERM MONTHLY
PAYOUT
IDBI SUVIDHA SENIOR CITIZEN LONG TERM QTRLY
PAYOUT
IDBI SUVIDHA SENIOR CITIZEN LONG TERM ANNUAL
PAYOUT
Events Leading To Transactions To Office Accounts

No
A
Office A/c no &

Description
XXX37000010015
FD suspense A/c
Events
1. Realisation of
Cheque
2. Credit of Interest
3. Redemption on
Maturity
4. Premature Closure
B
XXX37000010025
TDS parking A/c
Events
Purpose
As the actual receipt and payment by cheque is handled
outside Finacle this account has been created to reflect
such transactions. All the transaction pertaining to this
account are passed by user. Finally at the end of the
period this account balance will match with A/c 1369 in
CAD.
Action to be taken
This account is debited to give credit to customer
account
For the payout of interest to customer in Non cumulative
schemes on the respective due dates, system will credit
Sundry Deposit account. User has to debit Sundry
Deposit to transfer the balance to FD Suspense Account
System will debit customer account and credit Sundry
Deposit account for the amount. User has to debit
Sundry Deposit account and credit FD Suspense
Account.
System will transfer balance in customer account to
Deposit account and credit FD Suspense Account.
In case of Interest payout on Non cumulative schemes
and payment of closure proceeds of Cumulative
schemes, TDS parking account is credited with the
proceeds, to enable deduction of Tax if any. The amount
from this account is transferred to either sundry Deposit
account and / or TDS Due account. The balance in this
account should be zero at the end of the day.
Action to be taken
302
3. Redemption on
Maturity
XXX37000010027
Sundry deposit A/c
Events
3. Redemption on
Maturity
D
XXX34600010001
TDS Due A/c
Events
3. Redemption on
Maturity

TDS Parking account. System only will debit TDS
Parking account to transfer the TDS to TDS Due
account and balance to Sundry Deposit Account.
System will debit customer account and credit TDS
Parking account. System only will debit TDS Parking
account to transfer the TDS to TDS Due account and
balance to Sundry Deposit Account.
System will debit customer account and credit TDS
Parking account. System only will debit TDS Parking
account to transfer the TDS to TDS Due account and
balance to Sundry Deposit Account.
On account of any payout to the customer this account
is credited. The balance in this account should be zero
at the end of the day.
Action to be taken
Deposit and credit FD Suspense Account
In the event of deduction of TDS system calculates and
transfer the same from TDS Parking account to this
account.
Action to be taken
In any of these events, that results in deduction of tax,
System debits TDS Parking account and credit TDS
Due Account. User has to transfer the amount by
debiting TDS Due Account and credit FD Suspense
account at the time of remittance of TDS to Income Tax
Department.
303
Interest Booking and

Interest Expenses A/c
Events
5. Interest provision at
the end of month
2. Credit of Interest on
due dates
Cumulative
2. Credit of Interest on
due dates Non
cumulative
Each scheme based on its tenure has one account

under GL code 32 for Other Liabilities Interest Accrued
(GL sub head 32225, 32325, 32425 i.e. interest booking
a/cs) and 81 for Interest Expenses Term Deposit (GL
sub head 81125, 81225, 81325 i.e. Interest Expenses
a/cs). However in Finacle the interest booked for the
month is not reversed.
Action to be taken
For each scheme System calculates the interest to be
provided for the month, debits the respective Interest
expenses a/c and credits respective Interest booking
a/c. The calculation of interest is from customer account
opening date or from first of the month to the month
end.
81125, 81225, 81325
Dr
32225, 32325, 32425
Cr.
Under Cumulative schemes on the due dates, System
calculates the interest to be paid, debits the interest
booking a/c for the amount which has been booked upto
end of last month and interest expenses a/c from the
first of the current month till due date and credits TDS
Parking account XXX37000010025.
System debits the TDS Parking account
XXX37000010025 and credits the customer account.
Under Cumulative schemes on the due dates, System
calculates the interest to be paid, debits the interest
booking a/c for the amount which has been booked upto
end of last month and interest expenses a/c from the
first of the current month till due date and credits TDS
Parking account XXX37000010025.System debits the
TDS Parking account and credits the Sundry Deposit
Account XXX37000010027 and / or TDS Due Account.
User has to debit Sundry Deposit Account
XXX37000010027 and credit FD suspense A/c
XXX37000010015.
304
The account opened for more than 6 months if closed

prematurely i.e. Run period is less than the contract
period and the contract period is more than 6 months,
Finacle charges the penalty rate of interest. Meanwhile
interest is credited to the account (Cumulative
schemes) or paid to customer (Non - Cumulative
schemes) at contract rate of interest rate. At the time of
premature closure, the actual interest payable to the
account is worked out the difference is recovered from
the customer a/c under both cumulative & non
cumulative schemes. Finacle debits customer account
and credits
interest booked account (32225, 32325, 32425) under
Respective scheme. System debits interest booked
account (32225, 32325, 32425) and credits interest
expenses account (81125, 81225, 81325) under
Respective scheme.
Event Wise Transactions Passed In Finacle By System And User

Finacle
Events &
Activity
Menu
GL
Entry by
Sub
head
code
1Receipt of Cheque and application
No activity in
Finacle
Cheque not realized
No activity in
Finacle
A/c code
A/c Description
Cheque realized
User
Create, Verify CUMM
customer
Open, Verify OAAC /
Account
OAACA
U
Enter, Verify
transaction
TM
Dr 37000 XXX370000100 FD SUSPENSE

15
ACCOUNT
305
Cr 10525 XXX10525-------/ Customer A/c

/ XXX10625-------/
10625 XXX10725------/
10725
2Interest provision on last day of month (Cumulative and non-cumulative)
System
Booking of
Dr 81125 XXX8112501----/ INT ON STD interest
/ XXX8122501---81225 /XXX8132501--/ 81325
Cr 32225 XXX3222501---- INT BKD ON
/ /XXX3322501--- SHORT TERM
32325 -/XXX3422501-- DEPOSITS
/ -32425
Reversal of interest provided in next month
User
No activity in
Finacle
3Interest credited to FD a/c (Cumulative Scheme)

System
Either Full / part
Dr 81125 XXX8112501----/ INT ON STD booking interest
/ XXX8122501---is payable
81225 /XXX8132501--/ 81325
Dr 32225 XXX3222501---- INT BKD ON
32325 -/XXX3422501-- DEPOSITS
/ -32425
Cr 37000 XXX370000100 TDS PARKING
25
ACCOUNT
System
Dr 37000 XXX370000100 TDS PARKING

25
ACCOUNT
/ XXX10625-------/
10625 XXX10725------/
306
10725
Cr 34600 XXX346000100 TDS DUE
01
ACCOUNTS
4TDS payment for the previous month
User
Enter, Verify
TM
Dr 34600 XXX346000100 TDS DUE
transaction
01
ACCOUNTS
Cr 37000 XXX370000100 FD SUSPENSE
15
ACCOUNT
5interest to be paid on due dates - non cumulative
System
Dr 81125 XXX8112501----/ INT ON STD / XXX8122501---81225 /XXX8132501--/ 81325
Dr 32225 XXX3222501---- INT BKD ON
32325 -/XXX3422501-- DEPOSITS
/ -32425
25
ACCOUNT
System
User
Dr 37000 XXX370000100
25
Cr 37000 XXX370000100
27
TDS PARKING
ACCOUNT
SUNDRY
DEPOSITS
ACCOUNT
Cr 34600 XXX346000100 TDS DUE
01
ACCOUNTS
Enter, Verify
transaction
TM
Dr 37000 XXX370000100 SUNDRY

27
DEPOSITS
ACCOUNT
15
ACCOUNT
307
TDS payment for the previous month

User
Enter, Verify
TM
Dr 34600 XXX346000100
transaction
01
Cr 37000 XXX370000100
15
TDS DUE
ACCOUNTS
FD SUSPENSE
ACCOUNT
6Redemptions - Bulk
System
Dr 10525 XXX10525-------/ Customer A/c

/ XXX10625-------/
10625 XXX10725------/
10725
For Bulk deposits Auto renewal is notCr 10525 XXX10525-------/ Customer A/c
allowed hence after the due date the
/ XXX10625-------/
balance is under GL Sub Head 10225
10625 XXX10725------/
10725
User
Close the
account
CAAC /
TDSCAL
C
System
User

/ XXX10625-------/
10625 XXX10725------/
10725
Cr 37000 XXX370000100 SUNDRY
27
DEPOSITS
ACCOUNT
Cr 34600 XXX346000100 TDS DUE
01
ACCOUNTS
Enter, Verify
transaction
TM
Dr 37000 XXX370000100 SUNDRY

27
DEPOSITS
ACCOUNT
15
ACCOUNT
Redemptions - other than Bulk
308
If the account is not closed or renewaed due to setting up the parameters while
opening the account, the balance in the account will be moved to GL Subhead
10225. The account can be closed as shown above or Renewed as under
User
Open, Verify
Account
OAAC /
OAACA
U-R
System
Dr 10525 XXX10525----old Customer A/c

/ a/c
10625
/
10725
Cr 10525 XXX10525---- Customer A/c
/ new a/c
10625
/
10725
Based on the parameters, if the system closes the account following is the flow.
System
/ XXX10625-------/
10625 XXX10725------/
10725
Cr 37000 XXX370000100 SUNDRY
27
DEPOSITS
ACCOUNT
Cr 34600 XXX346000100 TDS DUE
01
ACCOUNTS
User
Enter, Verify
trransaction
7Auto renewal of FD
System
TM
Dr 37000 XXX370000100 SUNDRY

27
DEPOSITS
ACCOUNT
15
ACCOUNT

Dr 32225 XXX3222501---- INT BKD ON
32325 -/XXX3422501-- DEPOSITS
309
/ -32425
25
ACCOUNT
System

25
ACCOUNT
/ XXX10625-------/
10625 XXX10725------/
10725
Cr 34600 XXX346000100 TDS DUE
01
ACCOUNTS
System
Dr 10525 XXX10525-------/ Customer's old

/ XXX10625-------/ A/c
10625 XXX10725------/
10725
Cr 10525 XXX10525-------/ Customer's new
/ XXX10625-------/ A/c
10625 XXX10725------/
10725
User
No activity
8Premature closure
User
Close the
account
System
Crediting
Interest
CAAC /
TDSCAL
C
Dr 32225 XXX3222501---- INT BKD ON
32325 -/XXX3422501-- DEPOSITS
/ -32425
310
25
ACCOUNT
System

25
ACCOUNT
/ XXX10625-------/
10625 XXX10725------/
10725
Cr 34600 XXX346000100 TDS DUE
01
ACCOUNTS
System

/ XXX10625-------/
10625 XXX10725------/
10725
Cr 37000 XXX370000100 SUNDRY
27
DEPOSITS
ACCOUNT
User
Enter, Verify
trransaction
TM
Dr 37000 XXX370000100 SUNDRY

27
DEPOSITS
ACCOUNT
15
ACCOUNT
In premature closure of account some interest is calculated and already credited

to the account or paid to customer. Due to premature closure the interest rate
applicable changes and interest is recalculated. The excess interest paid is
recovered out of customer's account and booking of interest is rectified
accordingly.
System
The excess int

paid is
recovered from
Principal

/ XXX10625-------/
10625 XXX10725------/
10725
Cr 32225 XXX3222501---- INT BKD ON
32325 -/XXX3422501-- DEPOSITS
/ -32425
311
System
The recovered
interest is
reversed from
Int booking
Dr 32225 XXX3222501---- INT BKD ON

32325 -/XXX3422501-- DEPOSITS
/ -32425
Cr 81125 XXX8112501----/ INT ON STD / XXX8122501---81225 /XXX8132501--/ 81325
In case some amount is to be repaid to customer and FD to be renewed for

balance amt the old FD to be closed and new FD to be opened. This will not be
renewal of FD in Finalce.
At the end of the year entries passed in Finacle as on 31.03
System
Booking of
interest

Cr 32225 XXX3222501---- INT BKD ON
32325 -/XXX3422501-- DEPOSITS
/ -32425
System
TDS
Calculation
On accrued
interest as on
31.03
XXX756000100 TDS on Others

Dr 7560004
TDS Due
XXX346000100 account
Cr 3460001
On the first day of the next financial year

XXX051650100 Interest P & L
Dr 05165 01
Account
81125 XXX8112501----/ INT ON STD / XXX8122501---81225 /XXX8132501--/ Cr 81325
Interest credited to FD a/c (Cumulative & Non cumulative Scheme)
312
System
Either Full / part

booking interest
is payable

Dr 32225 XXX3222501---- INT BKD ON
32325 -/XXX3422501-- DEPOSITS
/ -32425
25
ACCOUNT
Cr 75600 XXX756000100 TDS on Others
04
TDS on Int upto

31.03
System
Cumultive

25
ACCOUNT
/ XXX10625-------/
10625 XXX10725------/
10725
Cr 34600 XXX346000100 TDS DUE
01
ACCOUNTS
TDS on Int from

01.04 onwards
System
Non Cumulative
Dr 37000 XXX370000100
25
Cr 37000 XXX370000100
27
TDS PARKING
ACCOUNT
SUNDRY
DEPOSITS
ACCOUNT
Cr 34600 XXX346000100 TDS DUE
01
ACCOUNTS
TDS on Int from

01.04 onwards
User
Enter, Verify
transaction
TM
Dr 37000 XXX370000100 SUNDRY

27
DEPOSITS
ACCOUNT
15
ACCOUNT
313
Office accounts for Suvidha Scheme Codes

Tenure of Scheme Code
scheme
Int booked a/c
Int on Scheme
Short
Term
ITCSS
ITCSC
ITBSS
ITBSC
ITISS
ITISC
ITSSS
ITSSC
ITZSS
ITZSC
XXX32225010001
XXX32225010002
XXX32225010003
XXX32225010004
XXX32225010005
XXX32225010006
XXX32225010007
XXX32225010008
XXX32225010009
XXX32225010010
XXX81125010001
XXX81125010002
XXX81125010003
XXX81125010004
XXX81125010005
XXX81125010006
XXX81125010007
XXX81125010008
XXX81125010009
XXX81125010010
Mid Term
ITCMC
ITCMM
ITCMQ
ITBMC
ITBMM
ITBMQ
ITIMC
ITIMM
ITIMQ
ITSMC
ITSMM
ITSMQ
ITZMC
ITZMM
ITZMQ
ITCMA
ITBMA
ITIMA
ITSMA
ITZMA
IFIMQ
XXX32325010001
XXX32325010002
XXX32325010003
XXX32325010004
XXX32325010005
XXX32325010006
XXX32325010007
XXX32325010008
XXX32325010009
XXX32325010010
XXX32325010011
XXX32325010012
XXX32325010013
XXX32325010014
XXX32325010015
XXX32325010016
XXX32325010017
XXX32325010018
XXX32325010019
XXX32325010020
XXX32325010021
XXX81225010001
XXX81225010002
XXX81225010003
XXX81225010004
XXX81225010005
XXX81225010006
XXX81225010007
XXX81225010008
XXX81225010009
XXX81225010010
XXX81225010011
XXX81225010012
XXX81225010013
XXX81225010014
XXX81225010015
XXX81225010016
XXX81225010017
XXX81225010018
XXX81225010019
XXX81225010020
XXX81225010021
ITCLM
ITCLQ
ITBLC
XXX32425010001
XXX32425010002
XXX32425010003
XXX81325010001
XXX81325010002
XXX81325010003
Long Term
314
ITBLM
ITBLQ
ITILC
ITILM
ITILQ
ITSLC
ITSLM
ITSLQ
ITZLC
ITZLM
ITZLQ
ITCLC
ITCLA
ITBLA
ITILA
ITSLA
ITZLA
XXX32425010004
XXX32425010005
XXX32425010006
XXX32425010007
XXX32425010008
XXX32425010009
XXX32425010010
XXX32425010011
XXX32425010012
XXX32425010013
XXX32425010014
XXX32425010015
XXX32425010016
XXX32425010017
XXX32425010018
XXX32425010019
XXX32425010020
XXX81325010004
XXX81325010005
XXX81325010006
XXX81325010007
XXX81325010008
XXX81325010009
XXX81325010010
XXX81325010011
XXX81325010012
XXX81325010013
XXX81325010014
XXX81325010015
XXX81325010016
XXX81325010017
XXX81325010018
XXX81325010019
XXX81325010020
315
Event Wise Vouchers To Be Passed In Cad

CAD
Event
voucher Dr/ A/c Account Head
Amt.
Cr code Narration
1 Receipt of cheque sent for realization
RV Cr 2755Cheque pending Cheque amt.
Realisation
Cheque not realised
PV
Dr
2755Cheque pending Cheque amt.

Realisation
Dr
2755Cheque pending Cheque amt.

Realisation
1369Deposits received
under new ISFD
Realisation of cheque
JV
Cr
2Interest provision on last day of month (Cumulative and non-cumulative)

Provision voucher on the
Dr 6565Interest paid on Int amt to be
last date of every month
new ISFD
porovided
Cr 1750Interest accrued
JV
but not due on
borrowing
including deposits
Reversal of provision of int on first date of next month

Dr 1750Interest paid on Int amt to be
new ISFD
porovided
Cr 6565Interest accrued
JV
but not due on
borrowing
including deposits
3Interest credited to FD a/c (Cumulative Scheme)
Interest accrual on compounding dates of cumulative deposits
Interest accrued but not due in r/o cumulative deposit is added to Principal of FD
on respective date of quarterly compounding
Addition to principal is after deducting TDS if applicable
Finacle report will give interest and TDS
JV Dr 6565Interest paid on Int Accrued
new ISFD
316
Cr
Cr
2754Income Tax &

TDS
surcharge
deducted at
source from
Interest
1369Deposits received Net of TDS
under new ISFD
4TDS payment for the previous month

PV
Dr 2754Income Tax &
surcharge
deducted at
source from
Interest
TDS
5interest to be paid on due dates - non cumulative

By passing this payment voucher cheque for net of TDS will
be generated
Dr
PV
6Redemptions - Bulk
Bulk deposit > 1.00 crore
Cr
Dr
Irrespective of Interest
payment option JV is to
be passed
JV
Cr
On receipt of request for

redemption
PV
Dr
6565Interest accrued
but not due on
borrowing
including deposits
2754Income Tax &
surcharge
deducted at
source from
Interest
(If Tax is
applicable)
Int amt actually

due
Income Tax and
surcharge
deducted from Int
under new ISFD
2752Amount payable
on maturity
2752Amount payable
on maturity
Redemptions - other than Bulk

Other than bulk ie. < 1.00 crore - Auto-Renewal is invoked by
default.
317
No need to transfer matured amt to 2752

Deposit 1,00,000/- Compound Int Accrued 10,000/- TDS
1,000/Redemption of FD with cumulative Interest
Redemption of FD with
cumulative Interest
Dr
PV
Non - Cumulative
Interest
7Auto renewal of FD
Renewal of FD with Non
- Cumulative Interest
PV
JV
Cr
Dr
under new ISFD
2754Income Tax &
surcharge
deducted at
source from
Interest
110000
under new ISFD
100000
1000
Dr 1369 Deposits received

OR under new ISFD
(Non Bulk) OR
Dr 2752Amount payable
on maturity (Bulk)
Cr
under new ISFD
Renewal of FD with Cumulative Interest

Deposit Amt Rs.100000/-. Int credited Rs10000/-. TDS 1000/-. FD renewed for
109000/Dr 1369 Deposits received
OR under new ISFD
(Non Bulk) OR
1100000
Dr 2752Amount payable
on maturity (Bulk)
Cr 1369Deposits received
109000
JV
under new ISFD
Cr 2754Income Tax &
1000
surcharge
deducted at
source from
Interest
318
8Premature closure
Interest rate for elapsed period (I.e. up to date of premature redemption) will be
taken for calculation in place of original interst rate applicable for original maturity
period. Excess int paid will be recovered from redemption
Deposit 1,00,000/-. Compound Int Accrued up to last date of compounding date
10,000/- (added to principal). Accrued interest from last compounding date to
premature date 85/-. interest recoverable 100/-. shortfall of interest to be
recovered from principal 15/-. Cheque to investor 109976/- IT 9/- (TDS on
interest from last compounding till premature date).
Premature date
Dr 6565Interest paid on
85
new ISFD
Cr 2754Income Tax &
9
surcharge
JV
deducted at
source from
Interest
Cr 1369Deposits received
76
under new ISFD
PV
Dr
under new ISFD
Cr
6565Interest paid on
new ISFD
109976
100
In case of premature closure of FD account opened fro Rs.10,000/- under Non

cumulative scheme the interest due to premature closure will be recovered from
the Principa amount only. It happens if the account is closed immediately after
the interest payment date and hence from the last interest application date till
closure there is no interest available for recovering the same. The interest
recovered is Rs.300/-
JV
Dr
Cr
Non - Cumulative
Interest
PV
Dr
under new ISFD
new ISFD
300
under new ISFD
9700
300
319
Interest provision on last

day of month
(Cumulative and noncumulative)
Provision voucher on the
last date of every month
JV
Dr
new ISFD
Cr
1750Interest accrued
but not due on
borrowing
including deposits
Int amt to be
porovided
320
7.0 Reports that can be generated by Users in Finacle

No.
1
2
3
Report Name
Purpose
Deposit Transaction To know Interest,
(Display / Print)
principal or total
payment that has
happened on any date.
General Details
To know basic
information regarding
the customer accounts.
Account Details
To know basic
information regarding
the customer accounts.
Remit TDS
Not report
To know the details of

TDS to be remitted to
IT Deptt on any date.
Refund TDS
Not report
Due Notice
Rate wise
distribution of
deposit
Scheme wise
distribution of
deposit
TDS inquiry and
To get the list of

customers to whom
TDS has been
refunded.
To know the list of
accounts getting
matured during a
period.
To know the number of
accounts and total
deposit amount under
various rates
applicable.
To know the number of
accounts and total
deposit amount under
various schemes.
To know the TDS
Useage
This will help the user
to pass voucher in
CAD to make payment
to client
For inquiry on all
accounts and to get
maturity amount.
For inquiry on all
accounts. It gives
balance amount and
last tran date. It can
also be used to see
the accounts opened
without passing any
transaction i.e. PI.
Option G will give list
of accounts where
TDS is deducted
based on which user
can make the
payment.
Option C will give list
of accounts for which
TDS is paid.
Menu
DTR
GDET
ACDET
RMTDS
RFTDS
To send the letters

asking for renewal of
accounts.
DN
For statistics
RDD
For statistics
SDD
To inquire and print
TDSIP
321
10
printing
Balance Report
11
Daily transaction
report
12
Account Selection
Print
13
15
Account Ledger
Inquiry
Account
Maintenance
Customer Selection
16
Account Selection
17
Maturity Forecast
Report
Deposit Receipt
Print
Deposit received
during the period
14
18
19
related information.
To know the balances
under various accounts
as on date for a SOL
To get the list of all
transactions.
reports related to TDS

For reconciliation
Options
2,3,4,5,6,12,A1,A2
can be used.
To print report on
accounts based on
various parameters
To see the ledger of the
account
To inquire and modify
on account
To select customer
based on various
parameters
To select accounts
based on various
parameters
To get the list of
deposits being matured
To give Certificate of
Deposit to Customer
To generate report on
For reconciliation /
Deposits received
Statistics
during the period
BR
PTW
ACSP
ACLI
ACM
CUS
ACS
MFR
DRP
DEPRCVD
322
Daily Routine To Be Followed By The User

1. Go to FTI menu press F4 to see the transactions passed by the System
for your SOL whenever user logs in Finacle. The entries passed for
calculation and crediting interest or redemption proceeds for the accounts
matured on the date. The amounts due on these counts are credited to
office account (for non cumulative schemes) or to customer account (for
cumulative schemes). Accordingly, user can take further course of action
in Finacle as well as in CAD system to keep the books of accounts and
Finacle reconciled.
2. Before logging out of the Finacle for the day go to AFI menu, enter proper
parameters to see any non financial transactions (Like customer creation,
account opening etc, other than transactions entered through TM Menu)
entered by you are left as not verified by another user. Please ensure that
all such transactions are verified on the same date so all future operations
on the account will be smooth and also no objection is raised by audit.
3. Before logging out of the Finacle for the day go to FTI menu, enter proper
parameters to see the status of the financial transactions passed by you.
Please see the transactions are posted and verified at the end of day
before you logged out of Finacle. The transaction posted on a date cannot
be verified on next date.
4. Some of the customer accounts opened in Finacle are closed on the
grounds that the same were opened erroneously. Please take a stock of
all such wrongly opened accounts and keep record so as to reconcile with
CAD and Audit purpose. Also the system will perform all calculations such
as interest, renewal closure etc. on all live accounts. Please identify such
wrong accounts opened at your SOL and also find out the operations
performed on all such accounts. All such errors will have to be rectified
and the data will have to be made clean so as to reconcile with CAD
system, Audit purpose and data migration in future.
5. Whenever a report is generated through Finacle. The same can be viewed
in the Background menu. The file can be transferred to your computer. Go
to background menu. To see the file / report we type T in the block. To
know the file name Explode on the file i.e. press Ctrl+E and you will come
to know the file name under print file name. Then go to main menu, type
FILETRAN and press enter. Select the proper option i.e. 2 (From Finacle
Server To P.C.(Reports)), press F4, 2 (Transfer RPT/rpt FILES), press F4.
You can see the file name on the screen. You can select the file name,
copy and paste with the mouse on the entry bar and press F4 and go
ahead. Before you start for Filetran create a directory called FILETRAN on
C drive so that all such files are transferred in this directory.
6. To reconcile CAD balances with Finacle based on various reports as given
above.
323
In Finacle Following Batch Jobs For Suvidha Are Performed By System

Sr No.
1
2
3
4
5
6
7
8
9
JOB_DESC
AUTO CLOSURE OF TD
AUTO RENEWAL
AUTO. CLOSURE VERIFICATIO
TRF TO OVERDUE DEPOSITS
TDS CALCULATION RENEWAL
INT. PAID ON TERM DEPOSIT
TDS INTEREST PAID
INTEREST BOOKING ON FD
TDS ON INT ACCRUED
Invoking process
After Business Hours
BOD process
BOD process
Accordingly the Users can know for a particular customer account when the
transaction will take place in the system.
324
Suggested Menus / Reports For Reconciliation With Cad

Sr. Events
No.
1.
B. Interest Provision
At the end of the month.
2.
C. Interest payment on Due

dates (Non-Cumulative) On
daily basis
D. Interest Accrual on
CompoundingOn daily basis
E. Redemptions Bulk Scheme codes ITB On daily
basis
E. Redemptions Non Bulk
Cumulative On daily basis
E. Redemptions Non Bulk
Non Cumulative On daily
basis
G. Premature Closure Non
Cumulative (Scheme codes
ending with M, Q, A)
G. Premature Closure
Cumulative - (Scheme codes
ending with C, S)
F. Renewal of Deposit Bulk
Non Cumulative - Scheme
codes ITB ending with M, Q,
A
F. Renewal of Deposit Non
Bulk Non Cumulative Scheme codes other than
ITB ending with M, Q, A
F. Renewal of Deposit Bulk
Cumulative - Scheme codes
ITB ending with C, S
F. Renewal of Deposit Non
Bulk Cumulative - Scheme
codes other than ITB ending
with C, S
Interest calculation
Success report
Interest calculation
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
Correspondi Menu suggested

ng Report
sent earlier.
BR menu option for Interest
Provision. (GL sub head
32225, 32325, 32425)
401_c.rpt
DTR menu Flow code IO
401_d.rpt
DTR menu Flow code II
401_e1.rpt
DTR menu Flow code PO /

TO
401_e2.rpt
DTR menu Flow code TO
401_e3.rpt
DTR menu Flow code PO
401_g1.rpt
DEPRCVD From 01.10.2004

to date transfer the file* to PC
and see the premature closure
401_g2.rpt
DEPRCVD From 01.10.2004
401_ren_F1 DEPRCVD From 01.10.2004
_B.rpt
_NB.rpt
_B.rpt
_NB.rpt
Intcalc1.suc
Intcalc2.suc
325
Success report
15. Details of Tax Deduction at
tdscalc.SUC
Source
16. Interest calculation Failure
Intcalc.FAI
report
Note : 401_ is the sol No which is indicative and taken as example.
*DEPRCVD file - Excel Format Report on Suvidha Fixed Deposit. Please
note the Column Headings are as under
Ac Cu Cust AccoRa Dep Maturi AccoAccou Dep Original Original Current Current
co sto ome unt te osit ty
unt nt
osit Deposit Maturity Account Maturity
unt me r
Ope of Peri Date Clos Closin Stat Amount Amount Balance Amount
Na r Id Type n
Int od
ed(Y g Date us
me
Date ere
/N)
st
1 2
3
4 5
6
7
8
9 10
11
12
13
14
In case of reports 4, 5, 6 the DTR with closed a/c as Y and Flow code PO (for
non cumulative schemes) TO for (cumulative schemes) will give all redemptions
in a period. However you have to identify the accounts under Bulk schemes i.e.
code with ITB.
For TDS deducted and to be paid please take ledger printout of Office Account
No XXX34600010001 for the month through ACLPOA menu for this purpose.
As advised earlier daily go to FTI menu to see the transactions passed by the
system giving from date as yesterday's date (so that you will get After Business
Hour transactions also). For each entry Press Ctrl+E i.e explore to see the
details. Also visit DTR menu as advised above.
It is desirable that the Finacle and NCAS are reconciled on daily basis by passing
relevant vouchers in NCAS. You can refer the earlier document files sent by Help
Desk and DRD in this regard. For further help contact us through mail.
326
Suvidha Fixed Deposited Migrated From Informix

On migration the new accounts will bear the structure as under:
Field
Value
Customer Account
XXXABCDEFGHIJ
15 digits
XXX
011 (Kolkata) to
SOL No
055 (Coimbtore)
Scheme code (Informix)
Description
AB
01
Cumulative
02
Quarterly Payout
03
Monthly Payout
05
Yearly Payout
CDEFGHIJ
The number from Informix preceded
by 0 (zero) to fill up the gap.
0410300000658
041
03
00000658
On migration the account number will appear like this

Pertains to Mumbai BO
For Monthly Payout
658 is the account number that cam from Informix
The scheme codes created for the migrated accounts are different from
the Suvidha Fixed deposit schemes in Finacle and also from fixed deposits
schemes used by CBSBU.
On the date of migration a voucher is to be passed in NCAS system for
transferring the amount to FInacle. The details will be forwarded to the offices in
due course.
327
Document details
Purpose :- To provide help in browser configuration for Finacle

1. This setting is user specific, if any new user logs in for the first
time on any PC , he has to follow following steps.
2. Click on
which is appearing on your desktop.

3. Click on tools.
Click on Internet Options. In address field type the finacle
address
http://10.144.16.18:9000/finacle/finacle.html
4. Click Apply & then OK.
328
5. Again Click on Internet options. Click on Security, you will get

following screen.
6. Click on Trusted Sites.
7. Click on Sites.You will get following screen, pl. type IP address

"10.144.16.18". Uncheck "require server verification". Then click
"Add".Then click OK.
329
8.You will get following screen.
330
9. Click on Custom Level. You will get following screen.
10. Use right hand side scroll bar and change screen as follws.
331
11.
Click on Custom under Microsoft VM Java permission
12. Then click Java Custom Settings as follows.
332
13.
Click on Edit Permissions. You will get following screen.
Click on Enable under "Unsigned content->Run Unsigned
content"
Again scroll down and find another "Enable" .
333
14. Click at "Enable" under Signed content -> Run Signed

Content . Select "Low Security" under reset to option .Then click
on OK.
334
15. You will get following screen. Click on OK
335
14.
You will get following screen. Click "Yes" .
15.
You will get following screen. Click on Apply and then OK.
336
16.
You will come back to Browser Main screen. Close and
restart the Browser.
17.
If your PC is used for internet also, then do as follows:Further to browser settings, you are advised to include "10.144.16.18"
in the list of server where system should not use proxy server.
17.1 Double Click on Internet Explorer.
17.2 Click on tools->Internet Options->Connection->LAN Settings>Advance->
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*****
337

Finacle User Guide IDBI

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FINACLE User

IMPORTANT FUNCTION KEYS

What does it do?

Clear a set of field

COMMONLY USED MENU OPTIONS

To create new customers records, modify customer record, verify

For opening SB/CA/FD/Loan/OD accounts

Maintain authorized users for inventory

Putting through transactions

Inquiry on exceptions in transactions

Opening/ regularization/ suspension of outward clearing zone

Demand Drafts/ Payorders

Lodging/ verifying/ realizing OBC

Setting up standing instruction

JOB CARD - CREATING CUSTOMER

1.1 Go to Menu option and enter option CUMM

1.2 Input details as mentioned below Function

Enter A and press F4

24. Frequency for statement

Enter the frequency of the statement

1.4 Input details as mentioned below 1. Communication Address

Enter communication address

1.6 Input details as mentioned below 1. Community/Caste/Health

10. TDS exempt submission date

1.8 Input details as mentioned below 1.

Customer financial details as on

1.10 Input details as mentioned below 1.

(This screen is mandatory for NRI customers)

1.12 Input details as mentioned below Free Text

Enter Free Text, any relevant particulars

1.15 Input details as mentioned below 1.

With holding tax

Enter 33 for NRI customers else 0

1.17 Input the details as mentioned below 1.

Enter DOB of minor

1.19 Input the details as mentioned below 1. Name

Customer ID will be generated and displayed on the screen.

2.1Go to Option - CUMM

2.2 Input details as mentioned below 1. Function

SAVINGS RETAIL EEFC

JOB CARD - SAVINGS ACCOUNT

Open a Saving Account

1.1 Go to Menu option and enter option OAAC

1.2 Input details as mentioned below 1.

1.4 Input details as mentioned below 1.

1.6 Input details as mentioned below 1. Passbook/Statement

Enter P for Passbook & S for Statement

1.8 Input details as mentioned below 1.

Input details as mentioned below -

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

Input details as mentioned below Nominees Name

Enter nominees name

Input details as mentioned below FFD Scheme Code

Select from F2 and press F4

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

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

1.20 Input details as mentioned below 1.

Press CTRL+DOWN ARROW keys to add more joint a/c holders

1.23 If the customer is a NRI, Go to option R.

1.24 Press F4 and then F10 to commit.

2.1Go to the Menu option and enter OAACAU

2.2 Input details as mentioned below 1. Function

2.3 Press F4 twice.

- Enter option R and Press F4.