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.General FAQs.
1. Who is a captive user?
A "captive" user is one who can put through transactions affecting
the data of his SOL (branch) alone. He can also inquire into the
database pertaining to other SOL provided the menu he is invoking
is "free".
5. Data centre has created the users for my branch during the migration
of the branch. What is the default password with which my users can
log into the system?
The default password is the PF number of the respective users. As soon as
the users log into the application for the first time, they will be forced to
change their password.
10. One of the users in the branch is going on long leave. I want to
disable the user for the period of leave. How can I do it?
Please invoke the menu UPM and give the date up to which you want to
disable the user in the field "User Disabled up to".
13. Is it compulsory that the details of the employees are entered in the
menu EFM for creating that employee as a Finacle user?
Only those employees whose details are entered in this menu are allowed
to use the application.
14. I have to give the employee id for each employee in the menu EFM.
What should I input in this field?
Bank has taken a decision that the id for all the employees will be their PF
number preceded with two initials of the employee.
15. I have created a user id for my cashier in charge. But still he is not
able to access cash. What could have gone wrong?
Please check whether the field "Is emp head teller" has the value "Y". If
not modify his record and input "Y".
Another user will have to verify this record.
16. Today is a holiday but I want to work on Finacle. But the system is
not allowing me to log in and is prompting for another user to verify.
What do I do?
Any user can log into the Finacle application only if another user
authorises the login on any day marked as holiday in the SOL calendar
through the menu CTM.
17. One of the users is not able to post transactions involving my SOL and
another. What could be the problem?
Please invoke the menu UPM and check the value in the field "User
Tenor". If the value is "Captive" then the user will not be able to access
the database of another SOL. Modify it to "Free" and the user will be able
to post transaction involving two Sols.
19. How do I change the Application Password (the second password used
during login process)
Go to background menu (click on background option) and use PWMNT
option to change your application password
21. I have opened an account under the wrong GL subhead code. How do
I rectify it?
Use TACBSH to change the GL-Sub-head code of the given account
22. How to find out the Joint holder names for Joint Accounts?
Use ACM option and use sub option - > A – Joint holders names
24. Cash is not balanced which reports to take to crosscheck the entries?
Use PTW and generate the report using option C- Cash Waste and
crosscheck the transactions or use FTI / FTR to check for particular
amount by giving tran-type as C-Cash and tran amt low and tran amt high.
Check for unposted trans, if any.
25. While closing the account system gives message ‘Interest not up to
date’?
Use ACINT option and do the interest run for this account.
30. Whether the transaction serial number is SOL specific or Data Centre
specific?
The serial number is generated for all the SOLs in the data centre and they
are not SOL specific. The system refreshes the serial number every
working day.
BAC
K
BAC
K
38. The system generates certain transactions during the day. Do I have
to write the vouchers manually?
Instead of preparing manual vouchers for bank induced transactions, the
user can take a print of the voucher VCHR.
If the user wants the print of a single voucher he can go through the menu
TM (Advice Print) and if he wants a batch printing of vouchers then he
can go through the menu VCHR.
43. Can the same user do the entering, posting and verifying a
transaction?
No. A single user cannot do the entering, posting and verifying a
transaction.
44. Can the same user do the entering and posting of a transaction?
Yes. Depending on the work class some users can do only entering of a
transaction while some others can do both entering and posting of a
transaction.
45. A transaction has been entered by one user and posted by another
user. Does this require verification by the third user?
No. A transaction needs two users for its successful completion. When a
transaction is entered by one user, and posted by another user, the system
updates the verifier field with the user who has posted it automatically and
hence does not require verification.
47. Can the same user do the posting and verifying of a transaction?
No. A single user cannot do both the posting and verifying of a
transaction.
49. How to see who has created / modified / posted / verified and
time when the transaction was posted?
Use TM option and in the sub-option give O-Other part-tran inquiry and
press F4 to know the details
50. When posting a transaction system gives error “Additional details not
entered”?
Use TM – sub-option – A – Additional details screen, enter the additional
details and then post the part-tran
51. What is the difference between a back dated and a value dated
transaction?
In a back dated transactions the GL gets updated from the back date given.
In a value dated transactions the GL does not get updated as on the value
date but will have an affect only for the calculation of interest as of the
value date even if the interest is already calculated for the account.
52. How do I go about putting through a value-dated transaction?
The user can put through a value dated transaction.
The user can input the value date in the " value date" field in the menu TM
or in other menus while entering/posting the transaction. On committing
the transaction, the system will display the message to the affect that it is a
value-dated transaction.
56. Can I put through a transaction between one customer account and
one office account across two SOLs?
In the menu ACMDB, if the value in the field "Tran from other Sol
alwd" is "Y" then the user can put through transactions into an office
account of the other SOL.
And if the value is "N", it is not possible to put through a transaction BAC
between a customer account in the primary SOL and an office account at K
the other SOL. But it is possible to put through a transaction between an
office account at the primary SOL and a customer account at the other
SOL. In other words, even a "Free User" cannot access the office account
in another SOL.
59. Through which menu can I enter, post and verify a transaction?
All transactions except for clearing are entered, posted and verified
through a single menu TM. Inward clearing transactions are
posted/verified through ICTM menu and outward clearing transactions are
posted/verified through OCTM.
Cash receipts can also be done through the menu HCASHDEP.
Cash payments can also be done through the menu HCASHWD.
Transfer transactions can also be done through the menu HXFER. BAC
K
60. I want to delete a part tran in a particular set. How can I delete?
The user will have to invoke TM menu, give the transaction serial number
and "D" in the "Option" field. The system will delete the particular part
tran provided it is still in "entered" status.
BAC
K
In case of transactions pertaining to office accounts, there is a facility to
delete even the posted transactions.
The deletion can be part tran by part tran and the entire set cannot be
deleted at one go even if the entire set pertains to office accounts.
The deletion can be in respect of only current day’s transactions.
If the office account is a Head Office Account then the transaction cannot
be deleted.
This deletion of transactions can be done through the menu TD.
62. I want to delete the full transaction set. How can I delete?
The user will have to invoke TM menu and give "D" in the "Function"
field and the transaction serial number. The system will delete the entire
set provided it is still in "entered" status.
For currency involving home currency and more than one other currency:
User Created Dr Customer Account USD 100
Cr Exchange Account INR 4000
User Created Dr Customer Account INR 4000
Cr Exchange Account GBP 50
System Created Dr Trading Account INR
4000
Cr Trading Account USD 100
Dr Trading Account GBP 50
Cr Trading Account INR 4000
For cross currency transactions visit the "amount" field in the TM menu
and explode. It will display the block for doing data entry of currency
received and the rate to be fed. The user will have to give the currency
code, currency amount, and rate code. On feeding the rate code, the
system, by default, picks up the latest rate for that currency pair from the
rate table. If it is not the latest rate, the system will display a warning.
The user can modify the rate displayed.
BAC
67. In an account there is some amount on which lien is marked. While K
posting a transaction I find that the balance is insufficient and I want
to release the lien so that I can complete the transaction. How do I
release the lien on the earmarked amount?
To release the lien on earmarked amount the user can give "W" in the
"Option" field in the menu TM and press F4.
The user can release the lien marked in the account in case of insufficient
balance.
The release of lien can be for a part amount also.
The availability of the option depends on the work class.
68. I have debited the customer's account for charges and I have to send
an advice to him. How can I print the advice?
The user can print the transaction advice through the menu
HADVC/ADVC.
BAC
K
If the user uploads the transaction through the menu TTUM, the
transactions will be in entered status and he will have to post every part
tran individually or invoke the menu BTP for bulk posting.
If the user uploads the transaction through the menu TTUMP, the
transactions will be posted status. The transactions encountering any
exceptions or errors will not be uploaded. All the scheme level and
account level validations will be done by the system. The system will give
a report of successful and unsuccessful transactions.
70. I want to inquire into the transactions that are reversed. Where can I
get this?
The user can inquire into the transactions that are reversed through the
menu HFTI/FTI.
71. What is type/sub type I should use while transferring cash from vault
to teller or from one teller to another?
C/CT – Type/subtype is used for Cash Transfer for internal transfer of
cash, like from the vault to different tellers and vice versa.
Following are some of the useful tips for the convenience of the
user.
In the date field in any screen, press CTRL X to get the current date.
In the amount field in any screen, press CTRL X to get the maximum
amount defined by the application.
BAC
K
Type the short name in the account id field in any screen and press F2,
you will get the list of all accounts under that short name. This will
make selection of account id easy.
In which ever menu the user finds “V – Verify” in the field “Function”,
then the operations in that menu requires verification or else it does not
require verification
77. What are the valid sub types for a transfer transaction?
The valid sub types for a transfer transaction are as below:
IP – Interest Paid
SI – Standing Instruction BS – Bank Induced S I
SC – Service Charge CI – Customer Induced
BI – Bank Induced AR – Account Revaluation
BT – Back Office Transaction EO–ECSOutwardTransaction
EI – ECS Inward Transaction
81. I have posted a transfer set. Now I find that one part tran is wrongly
posted. How can I rectify this?
A posted transaction cannot be cancelled/deleted but it can be reversed
using the menu HCRT. One part tran in a transfer set can also be reversed
through this menu.
If for any reason reversal is not possible then the user will have to use TM
menu and pass the reversal vouchers manually and then mark the original
transaction as reversed through the menu HCRT.
82. While entering a transfer set I want to come commit the unfinished set
and come out of the menu. Is it possible?
A transaction can be committed even if the set is not balanced, i.e.,
unfinished so long as the user is only entering the set and not trying to post
it.
85. I have received a court order for freezing the payments in a particular BAC
customer account. How can I ensure this? K
Please invoke the menu AFSM and give "F" in the "Function" field. This
option allows you to freeze or unfreeze all accounts of a customer, change
the freeze reason code and the freeze code of accounts that have already
been frozen using this option.
If the user wants to freeze at the customer level, user will have to give the
customer id and if he wants to freeze only one or few accounts of a
customer, he will have to give the account id.
All the accounts under the selected customer ID will be displayed and you
can select/Deselect the accounts by pressing Down Arrow key + Shift F4.
This will require verification by another user.
86. I was moving an inventory from one location to another location. The
record is created but it is in entered stage. I do not remember the
record number that was shown to me after entering the record. How
to get that number so that it can be verified.
Use option IMR and the filtering criteria ‘E’ to find the inventory
movement records that have been “Entered but not verified”.
88. Through which menu can I inquire into the transactions in a pointing
type office account?
The user can inquire into the transactions in a pointing type office account
through the menu HIOT.
97. How to find the AOD number for an AOD printed on given date?
Use HOCIP and give the following inputs and get the report
Ho.Tran Type as – O – Originating, Give bank / branch code and Tran date
range.
99. Wrong next execution date set in standing instruction. What to do?
Check whether any transactions are in entered status for the said
account and post if the same is available
When no transaction is created check the SI parameter in HSSIM
option
If the next execution date is less than today’s date make the same
tomorrow’s date (if execution time is during BOD) so that the same
gets executed during the next BOD.
BACK
100. How to find out all the standing instructions given by a customer and
captured in Finacle?
Go to CUMM give the cust-id and use sub-option S - to know all the
standing instruction pertaining to this cust-id.
102. What are the checks the system does during the process of SOLVAL?
The following error checks will be done by the system:
1-Checks if all transactions initiated by the SOL are posted.
2-Checks if all transactions initiated by the SOL are balanced.
3-Checks if any inter sol transactions initiated by the SOL are pending.
4-Checks if all cash and transfer transactions have been closed. If the
cash and transfer transactions are not closed, system will close them.
5-Checks for DD number is less than the DD number warning level
6-Checks for any transaction against unverified accounts.
7-Checks if EOD date is greater than the system date (cannot be
greater than system date).
8-Checks if any caution holiday is marked for the SOL and also for
data centre.
9-Checks for any user logged into the application.
10-Checks if all transactions initiated by some other SOL on this SOL
are posted.
11-Checks if all ISO trans initiated by some other SOL on this SOL are
pending.
12-Checks for unverified transaction - (If defined in HSCFM).
13-Checks for unposted inventory transactions - (If defined in
HSCFM)
14-Checks for outstanding modifications (Pending authorisation) - (If
defined in HSCFM)
15-Checks for outstanding verification of bills – (If defined in
HSCFM)
16-Checks for inward clearing zone in unclosed status – (If defined in
HSCFM).
17-Checks for outward clearing zone in open or suspended status – (If
defined in HSCFM).
18-Checks for SI execution pending – (If defined in HSCFM). BAC
19-Checks for unprinted DD – (If defined in HSCFM) K
20-Checks for unprinted TDR – (If defined in HSCFM)
21-Checks for unverified proxy transactions – (If defined in HSCFM)
103. I want to do "end of day" for the SOL. But I find certain transactions
are still in "entered" status. How do I proceed?
At the end of the day, if there are any transactions in the entered status
it is not possible to do the "end of day" activities.
In such cases, the user has two options either to post the transactions or
delete the transactions.
The user can either post the transaction through the menu TM or delete
the transaction that is in "entered" status through the menu TM/HDTE.
But at the end of the day, if there are any transaction sets where some
of the part trans are in "posted" status and some other are in "entered"
status then the user cannot delete such transactions.
The user may have to resort to proxy posting of such transactions,
which can be done through the menu PPT.
The user can also invoke TM menu and give "Y" in the "Option" field
for doing the proxy posting.
The user can do proxy posting only if it is allowed in the field "Proxy
posting" in the menu HSCFM (General Details).
104. Through which menu do I have to proceed for completing "end of
day" for the SOL?
The user can use the menu CSOLOP for proceeding with the end of day
activities for the SOL.
108. I have initiated CSOLOP of my branch. Can the users still put
through the transactions?
Yes. The users will be allowed to put through the transaction even if the
CSOLOP is initiated. But once the CSOLOP is completed successfully no
user will be allowed to put through any transactions nor complete the
existing transactions.
109. Do I have to take up backup of SOL data on the completion of
CSOLOP of my SOL?
There is no need to take any backup at the SOL level. The backups are
taken at the data centre for the entire database.
110. The system is not showing some of the accounts in the debit balance
report.
The report is a part of EOD and hence the data at the time of day end is
fetched for generation of this report. In case you want this report urgently,
you may generate it after CSOLOP is completed for the day or at the time
of day begin of next day.
112. While generating statement of account through PSP menu option the
report is generated blank.
Go in ACM menu option for modification of the concerned account. Select
sub-option 0, 2nd page. Change the local calendar field as N and save.
Verify the record and generate the report.
113. Which menu option should be used to know total deposit for a
customer? BAC
User menu option ACMP. K
114. What is the menu option for interest certificate for the deposit
customer?
Use menu option INTCERT.
115. Wrong entries done in outward clearing are in verified status. How to
rectify this?
Open a new zone with similar latency period. Transfer this particular set to
the new zone using menu option TROFSETS. Delete the entry from the
new zone. Enter proper records in the correct zone.
116. How we can get the list for the teller a/c which are assigned in our
branch.
Use GECM menu option. In function List give the sol id & then press F4.
System will generate the list.
120. What to do when one user is absent & we are transferring the
inventory from his/her location?
First see that authoriser ID for the person who is absent. The user ID of the
absent person can be replaced by the authorisers user ID to complete the
transfer. The password of the authoriser will be accepted by the system.
121. I want to assign another user as a head cashier in place of our regular
head cashier.
In EFM menu option change the field "is emp a head teller" as Y for new
user and N for existing one. Also increase the work class in HUPM for the
new head cashier.
122. How to change the SOL ID of the user who is transferred to other
branch?
Use menu option EFM, modify the details of the related employee ID by BAC
changing the value for the SOL ID. K
123. I am not able to verify the standing instruction through the menu
option SIM.
Go to SIM menu option. Visit the debit & credit part transactions by
putting down & up arrow key and save the record by pressing F10.
132. How to generate a report for debits allowed against clearing effects?
Use menu option EXCPRPT. Give the exception code GE5 and “on or off
set” as A and exception type as F for financial transactions.
134. Can I regularise today the outward clearing zone 06 that is released
today?
This is not possible. Only high value clearing zone can be released &
regularised on the same day. Zone 06 is not a high value clearing.
135. A/c has been closed prior to migration and a cheque for the account is
presented in inward clearing. How to deal with the return?
In place of the closed account enter some office account and mark a reject
of the same.
136. How to change my password without the system prompting for the
same?
Click on background menu. Enter PWMNT in select field. Press F4
system will take you to password change option. Put your existing
password, press F4, put new password and repeat for confirmation. Press
F10 to save.
137. I want to reverse the stop payment charges taken by the system.
Once the transaction is posted you need to manually reverse the
transaction through TM. However, for stop payment charges while
entering the stop payment instruction in option field enter C, press F4 and
edit charges displayed by the system.
138. We want the financial transactions report for amount above 10 Lacs
in cash.
Use menu option FTR, give transaction type as C, low amount as Rs. 10
Lacs, date for which you want to generate the list. After getting the list
press F4 once again to take a print.
143. I want to know the cheque no for which stop payment is entered but
not verified.
Use menu option AFI, give the account no and authorised flag as N.
System will give the unauthorised record with respect to account, you will
come to know the cheque no from the given list.
148. We issue DD/Pay Slips against cheques issued by the customers, where
the cheques are issued for the total amount of remittance and BAC
commission/ exchange. In case the cheque is for short or excess K
amount how to adjust it?
Use DDCALC/ PSCALC option to calculate the exchange/ commission
for the remittance amount and obtain the cheque for the total amount so
calculated. In case the cheque is drawn for excess/ short amount, then in
TM add a part transaction to refund/ recover the balance amount to
customer account. Complete the transaction normally.
153. Is there any report available where we can have the details regarding
name of the customer, term deposit receipt no., and tax deducted
amount (TDS details)?
Use menu option TDSIP/ HTDSIP.
154. I want to reprint the passbook entries that are already printed.
Use PBP menu option. In the date field, press CTRL + E key and press F2.
Now select the specific transaction from the list. Change the new pass
book field as N, specify the line number and press F4.
157. What is the menu option for generating a report giving details of
turnover, minimum balance, maximum balance & average balance in
accounts?
ATOR.
159. How do I find out the inventory transaction ID for any date?
Use menu option IMR. Give the transaction date and other required
details. Press F4. System will generate a list of inventory transactions.
160. We want all the DD advice nos. which are issued till date.
Use menu option HOCIP.
161. A customer who was not using a cheque book facility now wants a
cheque book. What is the procedure to be followed?
Use menu option ACM, Sub- option S- Scheme details. Change the flag
for cheque allowed field as Y. Verify the modifications made to the
account. Issue the cheque book through ICHB.
163. I have wrongly posted the transaction for Pay slip instead of DD. How
do I rectify this?
Cancel the pay slip through DDC menu option. Transfer the amount to
some office account and then issue the DD.
164. How to destroy the inventory like DD, pay slip etc?
User menu option IMC. Give the location as EM to DS and give the
details of the inventory to be destroyed.
167. How to find out accounts opened and closed during a specific period?
Use menu option ACS, enter the required data, and give open date low and
high to get the periodical list. Similarly you can use the fields closed date
low and high.
168. How to change the status of the account from dormant to other?
Use menu option ACM, function modify, sub-option S- Scheme details, 2nd
page. Change the status and save the record. Verify the modifications
done.
169. Improper shutdown of finacle pose a problem user has already logged
on. What is the solution?
Use menu option SAC. Put the function D –Delete for the specific user ID.
Press F4. Select the record by SHIFT + F4 and save with F10 key.
170. A transaction is generated and system is not allowing to post one leg
giving the message as " verification pending audit report exist”.
It indicates that the concerned account has been modified and the same is
still in unverified status. Verify the modification first and then try to post
the transaction.
REMITTANCES
177. Q: A DD was issued prior to Finacle. It has come for cancellation now.
We have added the record in DDSM. Still we are getting the message:
Non-system DD when we cancel it through DDC option.
Since the DD was issued prior to Finacle, the same wouldn't be cancelled
through option DDC. Please use option DDT and debit the DD account,
credit the customer and mark the same paid in DDSM.
178. Q: Transaction created after the cancellation of DD is not getting
posted. While doing DDC, user has given the transaction type as T
(transfer) but given the credit account no. as TELLER01. Now the
transaction will not get posted as for TELLER accounts.
Transaction type should be C (cash). RMIM done for the part-transaction
and another part-transaction added with account as SUNDEP099 at DC
and posted.
180. Q: One DD was cancelled and we have received SCS for this and now
want to give credit back to DP a/c While crediting to DP a/c system is
asking for additional detail of DD
Credit in DP a/c should not be through TM as it will treat it as a new dd.
This credit should be through DDT menu option.
181. Q: User want the list of all unprinted DD's & pay slip
User was told to use SOLVAL menu & in that check 17 number option &
from there user can get all list of unprinted DD's & pay slip.
BAC
K
182. Q: We r required to generate list of s/i ignored on day to day basis. Let
us know thro' which menu option we can generate this.
Through menu option SIETR, you can generate the said report on daily
basis.
CASH
184. Q: Want to appoint the above user as a Teller. How to make them as
an teller02
In EFM he has been marked as a head teller need to change it first with
function as modify & verify the same. Then go in GECM menu option &
add him as a head teller.
185. Q: Our cashier is going on leave & now we have to allot other user as
chief cashier. how to make the changes
First go in EFM & make the earlier cashier as head teller "N" & add the
new cashier over their as head teller & also make him as head teller work
class in HUPM Menu & verify both EFM & HUPM respectively.
186. Q: User was not able to post the transaction, but while posting he is
getting error part transaction status has to be reset before granting
TOD.
Give 'R' in specific functions then F4 & then grant TOD & post it.
187. Q: In a RD account instead of Rs. 1500 teller has wrongly posted Rs.
2000 in the transaction. so user want to know how to rectify it.
User was told to do proxy posting in the RD account leg since the teller
leg was already posted & after proxy posting user was told to reverse it
through SPTM menu & kept that amount in any office account & from
that office account transfer correct amount to RD account & balance amt.
show as payment.
188. Q: Due to poor connectivity operators who could earlier enter 400
cheques for outward clearing average are now able to enter only 200
cheques.
Where there is connectivity problem it should be immediately reported to
Data Centre/BKC to restore it at the earliest. Since April 2005 we have not
had any connectivity related issues. BAC
K
189. Q: Difficult to return cheques in case of inward clearing which is also
slow due to poor connectivity.
Presently there is no connectivity problem. Further, once all the branches
in a Clearing Zone are on Core Banking, centralized upload of clearing
instruments can be done. This exercise is already in place and working
satisfactorily at Karnataka Zone for the last 3 months.
191. Q: System posts some entries in proxy account how can branch know
what these entries are and where the same are to be actually posted?
It happens on some occasions but presently this has been made as an error
and this has to be reversed on the next working day without which day end
will not be completed. Branch can enquire into “PROXY account and
reverse it using option SPTM. Pl. refer to PSS/I/IOM/PAK/1563 Dated
28th October 2004
192. Q: While posting above transaction after pressing F10 user was
getting error withdrawal amt. can not exceed bal, scheme update fail,
sufficient Dr not posted
User was getting above error because user was debiting one loan against
TDR & for that account user has already debited the account more than
sanction limit so either to post it by increasing the limit or by granting the
TOD or kept that amt. in any office account.
194. Q: Any cheque issued can be posted in any account. System does not
warn that cheque is not issued in this account.
System prompts while posting that “cheque is not issued in this account”.
We have to understand that in the system the validation/exception are done
at the stage when the data gets updated at the Central Server. List of major
and minor exceptions is available under EODREP. Detailed instructions to BAC
deal with minor/major exceptions are also issued from time to time. K
196. Q: While releasing clearing zone, system got hanged and exited from
that option. While releasing the zone, it gave message that zone is
locked
Get it unlock through option UNLKZ and go for releasing the zone
197. Q: What is the menu by which we can find out the location under
which the instrument is lying and through instrument how we can get
the a/c no.
" INQACHQ is the menu to find the a/c no. to which it has been issued.
ISIA is for finding the location . In that give function as I-inquiry, then
F4 . Put the invent class/type. and F4"
198. Q: A Cheque book has already been issued to an account and verified,
and the same series issued to another account but not yet verified.
Now system is not allowing to either cancel or verify the same.
Since the cheque book is already issued to another account, the same
cannot be issued to any other account. Please transfer the same series
again from ZZ/EXT to DL/DL and then from DL/DL to EM/138120.
Cancel the record and then move the inventory back to ZZ/EXT.
200. Q: While posting a cheque in ICTM user was getting error could not
carved as there are scheme error.
User was getting the error because the cheque no was already posted so
user was told if they want to post it then first change the cheque status
through UCS menu & then try to post it in ICTM.
BAC
201. Q: While regularising zone no. 02 user was getting error all part K
transaction release to shadow bal. not posted.
User was getting above error because in FTI menu some entries are
pending in enter status so user was told to first post & verify it & then user
can regularise the zone.
205. Q: While posting a system transaction user was getting error account
frozen.
User was getting error because account was frozen so user was told to
unfreeze that account through AFSM menu & then try to post it.
206. Q: While realising zone no. user was getting error all part transaction
realeased to shadow bal. not posted.
For that zone some entries was there in entry status so first post & verify it
& then go for regularise the zone.
207. Q: User has issued cheque. book to wrong account physically issued to
correct account but in system issued to wrong account.
User was told to use the menu XFCHBAC to transfer the cheque. book to
correct account.
208. Q: While releasing the Zones the system is hanged up, what are we
suppose to do, please clarify.
First sac there IDs & then again login & check the zone status in
MCLZOH the status is already release to shadow.
GENERAL
212. Q: Help Desk does not respond speedily and sometimes not at
all:
On an average more than 1000 calls logged in Help Desk per day. Many a
times, the call duration is around 15-20 minutes, as the users like to have
on-line help. This results in the Help Desk Lines being busy and the user
feels that they are not attended to. With more awareness on the part of the
users, the calls on Help Desk are bound to come down.
There has been lot of improvement in functioning of Help Desk and we
are keeping a constant eye on it and hope it will improve further.
213. Q: Help desk asks officer for his password to solve some problem.
This is fraud Prone & Severe security risk:
User should not give/ pass on password at any cost. If asked it should be
brought to our knowledge with name of the person asking so.
224. Q: We want to take the printout of high value customer who has the
deposit above the specific limit. Please give the menu option for the
same.
Use menu option ACSP. Specify the code & amount range Minimum &
maximum in CR & F4. It will generate the report.
225. Q: We want to take the Statement of FFD A/c for the above SB a/c but
the report which is coming is blank. Please confirm any other menu of
the same.
All the FFD A/c are closed so statement won’t come in FFDPSP. Use
menu option PSP. Specify the date range & closed A/c field as "Y" & take
the report of the same.
226. Q: Not able to post one leg of interest run in tran asking for report
code.after entering the same is gives msg ref.no is restricted
In TM select function as M go to specify option, enter M and F4. Put
report code then F4 and keep the ref.no.field blank and F4. Now select A
and F4, give flow code as II (interest inflow), press F4 twice and go for
posting
227. Q: While opening a Minor A/c system is not allowing to verify Temp
A/c ID says Related party should be 10 year old. How to verify it ?
User has been asked to feed Guardian Detail alongwith Cust ID in Persons
Detail in CUMM & get it verified and then to auth. Temp A/c ID.
228. Q: We have one joint a/c. The Main a/c holder is expired. Want to
allot 2nd holder as main holder and add 2nd new holder . please
confirm how to do?
Create new cust id for the survivor and add to CCA menu option, put the
a/c id. Now in ACM menu option. put the function as M-modify and a/c id
Press f4 in sub option 'A'- related party. It will display the deceased
(main) holder details in that page one field called DEL Flag should be Y-
yes then press down arrow twice it will give new page for filling the
details of new holder . commit and get it verified
232. Q: While verifying temporary account for NRE account user was
getting error the joint account holder has to be an NRI for this
scheme.
User was getting above error because in the customer ID of the above
account user has marked the NRI flag as "N" so modify it & mark as a
"Y", verify it then it will allow to verify the account.
233. Q: User want the menu to change the account status from dormant to
active. BAC
User was told to use the menu ACM give "M" function & in scheme K
details user can change the status.
234. Q: While generating the TDS report for a cust, its giving no record
tobe retrieved but there was an a/c which was closed but interest given
is more than 5,000/- but it is not reflecting in TDS REPORT.
In tdsip give the a/c closed flag as "Y" & F4 then generate the report.
235. Q: One of our staff is not able to login into finacle getting message
user profile deleted.
first go to hupm and undelete the user id by selecting function as undelete
and put the user id then click on accept. Now get it verified in same menu.
If require change the password to six letters in hupm option function as M-
and give user id. then this should be verified
236. Q: Want to get interest certificate for loan and deposit. Please confirm
what is the menu for it."
The menu is INTCERT and it is same for both loan and deposit .
238. Q: "The BOISP a/c, sweepin period 46 days. Where as some a/cs were
opened for 7 days only. Why?
In some of the a/cs sweepin didn't happened, eventhough sufficient
balance was available. " You need to modify the ACM of these
accounts and change the renewal period from 7 days to 46 days. Since
these accounts were created before the ACM modification of SB account,
thus the period is 7 days.
240. Q: How to get the report for the total no of voucher passed in a day. BAC
K
Main menu is MISREP in that give module name - others and report code
as Br voucher statistic and press F4 give date and F4 put the f in
background print y and f10
241. Q: While closing an account user was getting error can not close the
account since authorisation is pending customer instruction exist for
this account.
User was getting the error because in the above account lien amt. was exist
so user was told first remove the lien through ALM menu if the user want
to close the account.
246. Q:How to find out the operator user id and authorizer user id for a
transaction?
Use menu option TM select specify option O
254. Q:ECS - Posting through floppy - if has errors like balancing, wrong
a/c number then how to rectify after posting.
Normally upload should be done in entered status, transactions should be
checked & then posted through TM option. Once the transactions are in
posted status, then no modification can be done, same has to be reversed
manually.
6. I want to inquire into all the accounts linked to a customer id. Which
menu do I have to visit for this?
The user will have to invoke the menu HCUTI through which the user can
view the consolidated details of the customer like summation of the
balances, interest and charges in SBA, CAA, CCA, ODA, etc.
8. While migrating from CIBEX, a customer has been given more than
one customer id. I want to link all the accounts to one customer id.
How do I link the accounts to the customer id?
The user can invoke the menu CCA/HCCA and change the customer id
pertaining to the accounts. While undertaking this exercise, please ensure
that the customer ID allotted for term deposit accounts is continued and all
other accounts are linked to this id.
9. A customer is having one customer id for SB, one for TDR and one
more for his advance accounts. I want to link all the accounts to be
linked to one particular customer id. Which customer id should the
bank suggest the customer to retain from the above three?
The customer should be advised to link all his accounts to the customer id,
which is created for his term deposits. This is because the TDS details of
the customer is available in the customer id created for term deposits and
not in other customer ids.
BAC
K
10. I know the name of the customer but not his account number. How do
I search for the account number?
Type the short name in the account id field and press F2, you will get the
list of all accounts under that short name. This will make selection of
account id easy.
11. I created a customer record but I could not note it down. From where
to find out the customer ID so that the record can be verified by the
officer?
Go to AFI and give the table short name as CMG and enterer_id as your
user-id and give entered on as today’s date and authorized flag as “N” and
press-f4 to know the customer-id.
13. I opened an account but forgot to note down the ZZ number. From
where to find this ZZ number so that the officer can verify the
account?
- Go to AFI and give the table short name as GAM and enterer_id as your
user-id and give entered on as today’s date and authorized flag as “N” and
press-f4 to know the customer-id.
14. While posting a transaction, I get a message “Memo pad exists”. How
do I know what is wrong with the account?
While in TM menu option press Ctrl+F9 to Inquire on the Memo Pad
details of the given account.
15. I have opened an account under the wrong Scheme code. How do I
rectify it?
Use ACXFRSC to transfer accounts between schemes. This option cannot
be used to transfer Term deposit accounts from one scheme to another
scheme. Example: From an IO type of scheme to II type of scheme.
Hence for Term Deposit Account scheme changes, close the old account
and open a new account in correct scheme code with a value date.
17. How to know the net interest rate applied on a given account?
Use ACM option – 0 – General Details and go to second screen to look at
net interest rate.
19. How to change the status of account – from Inactive to Active and
from Dormant to Active?
Use ACM – 0 – General Details and change the status to A-Active BAC
K
20. Where do I add the names of joint account holders?
The user will have to invoke the menu CUMM/HCUMM (Related Party
Details) and give all the details of the joint account holders.
25. Where do I define the TDS rate and give other details of TDS for a
customer?
The user has to give the details of TDS in the menu CUMM/HCUMM
(General Details). This will be applicable to all the accounts linked under
this customer id.
26. I do not want the system to calculate TDS for a particular customer.
Where do I define this?
The user has to select no TDS table in the field "Tax Slab" in the menu
BACK
CUMM/HCUMM (General Details). All the term deposit accounts linked
to this customer id will not attract TDS.
29. How to recover the TDS Shortfall from the operative account of the
customer?
Use ACM option and from sub option 0 – General Details modify the TDS
Operative account and then use the RECSHF option to recover the
operative account. The Shortfall account should be entered as the
designated office account which was debited for the shortfall amount and
give the account no. from and account no. to field as the Term Deposit
account.
30. How to see what is the interest paid and tax deducted for a term
deposit account?
Use ACM option – Sub option 2 – Interest and Tax details to inquire the
interest paid and tax deducted (here the interest amt shown will be
inclusive of tds)
31. What option can be used to print interest certificate and tax deducted
summary for a customer-id?
Use INTCERT to print interest certificate and TDSIP Option 5 – TDS
Summary to print TDS Summary and TDSREP to print TDS Report for
given Customer-Id.
32. A customer has 2 customer-Ids (X and Y) and both belong to the same
customer (or the first name is same for both the cust-Ids) and for TDS
purpose both the customer-Ids are to be linked (i.e. be treated as one
for TDS deduction)?
Use CUMM option and give cust-id: Y as the TDS Cust-Id in the primary
BAC
cust-id-X.
K
33. Sweep-in and Sweep-out is not happening, where to check?
Check the following important parameters ACM – 4 – FFD Parameters
Automatic Sweep – Should be Y for sweep to occur
Next sweep-out date - Change this date to today’s date, if the sweep is
not happening and you want the sweep to happen in end-of-day
process.
Link to Oper A/c. – Y
Sweep-in Balance in S-Scheme Details screen should be the min.
balance to be maintained for accounts in this scheme
35. Which is the account where the quarterly interest for the short term
deposit is parked?
SUNDEP021
37. What is the menu option for remitting the TDS collected?
Remit it through RMTDS menu option.
38. How to refund the TDS deducted by the system. The refund is to given
through pay slip and system is asking for customer ID.
In RFTDS customer ID should be given to get the TDS records of that
customers’ accounts. The payslip account number can be given in refund
a/c field.
39. While printing an SDR the system gives the message: “Flows have to
be regenerated.”
Go for account modification through menu option ACM. Through sub
option S, change the regenerate flows flag from N to Y and then in sub
option F - Flow details, press CTRL + E and F4. Save the modification by
pressing F10. Verify the account modification and print the receipt.
40. How to enter the details for form 15G received for an account?
Go to menu option "ACM" and under sub-option "0", 2nd page give this
particulars.
42. What is to be done if Autorenewal does not take place for some
accounts?
Renew the accounts through the menu option “TDREN”.
43. MIC interest is not credited to the account. How to look for it?
Use DTR menu option to find the transactions for the account where
system credited the interest amount.
44. How to run TDREN for renewal of FCNR fixed deposit receipts?
Make auto renewal flag 'U' i.e. Unlimited using menu option ACM in
scheme details. Then run TDBATCH menu option.
47. Which a/c is credited with the provision amount to be made for
quarterly interest payment to FDR accounts?
Provision made for FDR is credited to sundep021inr for INR currency
accounts.
51. I want to specify the interest credit to operative account for MIC / BAC
QIC scheme accounts. K
Go to menu option HACMTD and change the interest credit account in
Account Interest tab.
61. TDR is renewed with less amount instead of maturity amount. Where
is the difference amount?
Go to ACM menu option. Under sub-option U put 2 and see the detail of
that difference amount. Probably the amount is deducted as TDS.
BAC
K
62. I want to transfer TD account to another SOL.
Use CAAC menu option. In second page give the function as T – Transfer
out.
63. TDS amount is parked in which account and how to reconcile it?
TDS amount is parked in suncr066. Take the account statement through
the menu option ACLI. Take the TDS report from TDSREP & do the
reconciliation.
69. I want to view the details of old deposit account. The system shows
only the new deposit details.
Use menu option ACM and inquire by giving the account ID. In specify
option select option 8. Option 8 gives both the old and new account
numbers. Point to the old account number and type 'A' in the option given
below, then press CONTROL + E. which will the give the old account
details.
70. I want to renew a TD account with the principal amount only. How do
I go about it?
First check if the interest credit account is mentioned or not. Then go to
menu option "TDREN" and give account no. In renewal option system
will ask you for maturity amount or principle only. Select "P" for principle
only. Then renew it. Interest amount will go to operative account as
mentioned in interest credit account.
76. Can I change the renewal period at the time of renewal of the TDR?
While renewing the TDR through "TDREN" system will allow you to
change period for which you want to renew.
77. How do I open a SDR for staff? This deposit comes under TD411 but I
am not able to locate any scheme for staff in SDR.
There is no scheme for staff SDR and no scheme code is available for this.
During account opening select interest rate code as "TDSTF". System will
pick up the interest rate for staff.
78. I want to change the interest rate code for a TDR account of a senior
citizen customer. At present the system is picking the normal interest
rate.
BAC
K
Interest table code given is "TDGEN" so system had picked up normal
rate of interest. Use menu option "INTTM" give interest table code as
"TDSRC" and then verify.
79. I want to change the name of deposit a/c as the first account holder is
reported deceased.
Create a separate customer ID for the second account holder ( If not
already existing in the data). Use "CCA" menu option and change
customer ID for the account.
81. How to open a staff customer id without staff no.(PF no.)? This is
required for an overseas staff. How the rate of interest can be taken
care of if the staff flag is not “Y”?
While opening a customer ID, if staff flag is "Y" then staff no. is
mandatory. No dummy value will be accepted by the system. However
while opening an account for staff with non-staff customer ID, the
difference in rate of interest can be put in credit preferential. To validate
the rate of interest, user can explode the II or IO flow types in flow details.
84. How to find list of debit balances for current and saving account?
Use menu option MISREP -> EOD -> report code "latest debit balances".
88. How do I view the turnover and interest rate for any account
Use ATOR menu option for turnover of accounts. For interest inquiry use
ACM option.
SB/CD ACCOUNTS
93. Q: Opening of account, how much time it takes & is it user friendly:
User would gain comfort over a period of time using Finacle and this
would reduce the time taken for opening of accounts. At the same time if
opening of account and issue of miscellaneous items such as chequebook
and passbook are done by a different person service could be much faster
than expected. Further we are in the process of creating a template for
accepting only the mandatory fields for opening the accounts. The other
details may be entered as back office functionality.
TERM DEPOSITS
101. Q: No clear guidance for TDS calculation and TDS certificates and
how to check whether system generated TDS is accurate:
All the details are available in menu option TDSIP sub option 2 & 5 by
INPUTTING CustId and financial year. Please refer IOM
PSS/I/IOM/AKJ/1903 dated 8th Dec 2004.
103. Q: TDR interest or maturity values differ from earlier values. BAC
K
The total interest in respect of Deposits / or the ultimate maturity value is
correct. However for aberrations in the beginning, matter has been taken
up with vendor for necessary rectification.
104. Q: Standing instructions to credit MIC interest have not been carried
over from CIBEX:
The standing instruction of MIC/FDR/QIC/SDR wherever available to be
credited to operative accounts like SB/CD/CC/OD etc. is being migrated.
However if the credits are to SUNDEP/SUNCR etc, the same are not
migrated. The branch may also input the operative account for credit of
such interest using the menu option HACMTD/ACM and modifying the
field “Interest Credit Operative Account”.
(Please refer to HO instructions issued from time to time. This is part of
the post migration activity.)
106. Q: Receipts do not print with more than two joint names
The system prints 2 names with details as “OTHERS”, in case of joint
names more than 2, as necessary space is not available for customization.
108. Q: Kindly Inform Us About The Tds Dedcutions In Nro A/Cs. The E-
Mail Circular Dt 16.4.05 Is Silent About The Tds On Nro Deposits.
Instruct Us Whether The System Will Take Care Of Nro/Tds Or It
Should Be Done Manually.
For NRO account system will deduct W-Tax . If the user specifies in the
account that TDS is to be recovered at the rate specified in the account
details then the user has give the TDS rate at account level. If the user
wants that the rate of TDS is to be picked up from scheme, then in the
account , in field Tax-Category the user has to specify S.
BAC
K
109. Q: We have tried to delink the boisp a/c with sb a/c on two occasions,
but still we observe that the delinking is not properly carried out.
If you want to delink, then go in ACM menu option with the function as
modify & in specific opition give "5" & F4 & in the right coloum put "y"
F4 & F10 & verify the ACM . Then go in CAAC menu option for closure
of the a/c.
111. Q: Interest not provided in DBD account. While closing the dbd,
system gives message: tdsi record exists. Do tds calc first.
On doing TDS calc, no interest is credited to the account and failure report
is generated. In the DBD account's customer, tds slab is given as tds04
(exempt), but the tds exempt date given is expired. So change either of
these depending on the documents received.
113. Q: In one RD A/c all installments have completed, but wrongly extra
installment has been taken and Teller leg has been posted also. So how
to go about it ?
As its additional installment taken so system was not allowing to post it
and even teller leg was posted so user has been asked to proxy post RD leg
and then reverse it through SPTM to operatrive A/c if customer is
maintaining.
114. Q: customer want information for maturity amount and deposit with
interest rate for particular deposit. How can we find in system.
Asked to use DEPMOD by giving deposite amount scheme code and
period. By giving this detail system will automatically give all the other
detail for maturity amount, date of maturity and interest rate.
117. Q: Pls tell us menu for getting the total nos of TDR under the given
customer id.
User can get the details by putting Report to , Cust id and scheme code in
ACSP.
118. Q: User want to close a deposit A/c, but he is getting error as IAR
Deleted , cannot close the A/c.
Use the option WIAR & give A/c No. press F4 & F10. then go for closure.
119. Q: While closing FFD account, user was getting error online
permission not allowed for FFD account.
User was getting above error beacause the above FFD account was not
dlinked so first dlinked the account verify it & then closed the account.
120. Q:How to take out reminders for Renewal of term deposit a/cs,
scheme wise?
Use menu option DN
123. Q:how to find out TDS on NRO a/c credited to SUNCR116 pertains
to which a/c?
Use menu option MISREP >> DEPOSITS>>WITH HOLDING TAX for
getting the bifurcation of SUNCR116 a/c.
ADVANCES .ADVANCES FAQs.
2. For reviewing the account I require the total credit and the total debit
turnover in the account for a defined period. How and from where do
I get the report?
The user can invoke the menu ACTI, which allows him to inquire into the
turnover of each account for a defined period.
7. In loan a/c opening module, int dr a/c type field is protected even
while collect int flag is selected. Sometimes the system doesn't allow to
proceed.
Int a/c dr type flag is protected. Occasionally, an error message is
displayed by the system that this field is to be entered. But ultimately,
when other tabs are visited, the system allows to proceed further.
8. Demand and Term loan accounts are also showing the available
balance to the extent of repayment made.
The loans that are opened under OD scheme code, the system treats the
account as OD account only, so balance will be shown to the extent of
repayment made.
12. Limit when fed shows double the amount, if we are giving limit as
derived.
Ensure that you tick "supercede limit" in HACLHM/ACLHM menu
option.
16. While opening loan account the system gives error loan period not
equal to scheme period.
The error will be displayed when the loan period is less than the minimum
period for the scheme and also when loan period exceeds the maximum
period for the scheme.
17. In one of the loan account system is not charging any interest.
Check if you have selected for limit level interest for the account. If so,
also check if the interest rate is specified properly. Also check the interest
demand date.
18. While closing a loan account system gives a message, debit interest
application not up to date. How to proceed?
Use menu option LADGEN for this loan account.
19. While enhancing limit system gives an error, as sanction limit can not
be greater than max allowed limit.
Please check the maximum allowed limit for the account under scheme
details. Change this field to appropriate value.
20. Loan amount disbursement was done for lesser amount. How to
enhance this?
Check the sanction limit for the account. If it is proper then you can
disburse the additional loan amount. Else you are required to change the
sanction limit details and then do the disbursement.
21. All staff accounts show a debit balance limit. How to rectify this?
Use ACM menu option, function M- modify, sub option S- Scheme
details. Modify the debit balance limit to zero (0). Save the record. Verify
the same.
22. Loan account has been disbursed for wrong amount, so the
transaction has been reversed. Now the system does not allow to
disburse again.
While making a reversal transaction for loan accounts, in additional details
enter the flow id same as that of the original transaction, reversal flag = Y
BACK
and enter the original transaction ID. If this is not done system will not
allow additional disbursement. The account should be closed and opened.
24. I am not able to verify a record in WEB that was modified in ONS.
Record modified in ONS mode can not be verified in web mode.
25. How can I do the trial run for interest of loan and CC accounts?
Use menu option LADGEN for loan accounts by giving Trial mode =N
and ACINT for CC accounts by giving adhoc = A. and Post Tran = N.
29. How to remove the penal interest being charged to the some loan
accounts?
Go in ACM menu option, function modify, sub-option S –Scheme details.
Change the field for penal interest on interest = N and save with F10 key.
Verify the account modification.
33. How to generate report for NPA account with Asset Code, Amount
and name of the account
Use menu option MISREP ->NPA
ADVANCES
34. Q: In one case, sanctioned limits became nil, Why and how does this
happen:
In case of specific instances we can look into the matter and revert back.
35. Q: Sanctioned limit, drawing limit, drawing power does not appear on
screen while posting cheques:
The above details refer to available balance and same is available while
positing the cheque and details of the same are available in ACCBAL or
exploding the account and going in account master, in the same menu
while posting the cheque itself. Further the effective available balance is
the amount upto which the balance can be drawn.
41. Unable to close the CC account through the 'CAAC' menu option.
Following message is being displayed "There are outstanding
Bills/DC's/BG's/FC's/PCA's on this account, check the report for
details".
The account is linked with some Bills/ Documentary Credits/ Guarantees/
Packing Credits/ Forward contracts. Before closing the account all these
should be closed or should not be linked to the account. System will
automatically generate a report/printout when the message is displayed,
through which the user can know the related Bills/ Documentary Credits/
Guarantees/ Packing Credits/ Forward contract number.
45. Q: In an OD a/c, interest applied till some date. How to apply interest
BACK
till date.
To run the interests go in ACINT option.
46. Q: Loan a/c not allowing for closure, showing verification pending.
In AFI - acm is unverified. First verify acm and then go for closure.
48. Q: Term loan accounts related to the mining industry are generally
allowed repayment holidays during the monsoon period lasting for
about four months. Kindly advice the module available in finacle to
record such a repayment schedules.
Finacle doesn't take care of the said case automatically. In the loan
account opened, Repayment Schedule (E sub option in ACM) has to be
modified for rephasement as Y and next demand date to be modified to
date 4 months ahead, every time till the duration of repayment.
50. Q: In loan a/cs drawing limit is not showing. Pl. Advise us the menu to
get drawing limts in loan a/cs. Custmer is unable to know how much
he has to pay. We have already tried the menu of laopi which shows
only overdues but not drawing limit.
Please use option MISREP, giving module as loans and report number as
LAA002. You will get the drawing power limits for all your loan accounts
in the background.
51. Interest not applied to an a/c despite limit level interest flag given as Y.
Despite giving the limit level flag as Y, no interest rate was specified at the
limit level and was default zero. Please modify the same and then apply
interest to the account.
52. Q: Interest is being charged by the system and reversed on the same
date. This is happening for the last three months. BACK
The branch has given interest debit account number. as SB a/c. System is
debiting the above account and to reflect this interest entry in OD account,
is debiting and crediting the OD account. All these three entries are part of
the same transaction. On 13-06-2005, branch has removed the interest
debit account no as savings account no. From now onwards, interest will
be debited from OD account only and no other transaction will be created
viz. credit of OD account and debit of SB account.
55. Q: Interest has been charged in a Loan a/c despite being marked as
NPA.
The classification done in Account is 02 and sub classification is 22. The
scheme for the account is LA601 for which 22 sub classification is not
defined by Bank IT. Sub classification 20 is there. You can modify the
MEAC for the account to make effects and then go for MAPD to mark the
account as past due (which is presently not marked as past due), in the
absence of which the system is charging interest in the account.
56. Q: User was not able to verify the temporary loan account against
NSC while verifying user was getting error loan period not as per
scheme.
user was getting the error because in the above loan account loan period
was not mentioned so modify it through OAAC & mentioned the period &
then verify it.
59. Q: While disbursing the loan amt. For a loan account, user has posted
excess amt. & given the credit to pay slip account.
The transaction was posted & verified also so cancelled that pay slip
through DDC menu give the credit again to the loan account & then made
a fresh disbursement with the correct amt.
61. Q:Is there any provision for Drawing Limit and Overdue amount for
each and every account on the main screen itself?
Use menu option ACCBAL
62. Q:How to get the list of limits expired for cc and od a/cs as on a
particular date?
Use menu option PRR8
65 Q:how to find out the a/cs where the rate of interest is ‘ZERO’?
Use menu option CALLRPT option no 7