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PUNJAB NATIONAL BANK

Circle Office Muzaffarnagar

FIN 10x – LOANS MODULE PROBLEMs AND SOLUTION DOCUMENT

S.NO. PROBLEM SOLUTION 1 How to debit Interest partitioned account 5711407, 5711410, 5711411 if credit
S.NO.
PROBLEM
SOLUTION
1
How to debit Interest partitioned account
5711407, 5711410, 5711411 if credit
balance of a loan account exists OR
wrongly credited
Invoke menu option HTM
Add(Function A):- Enter Partitioned account
number which is required to be debited -> Go to
additional details -> enter related loan account and
Flow ID should be INDEM
2)Enter partition details – Enter related loan
account number in entity ID field
3) In credit leg enter mandatory fields
And click on save post the transaction.
2
How to credit the partitioned account of
main loan account i.e. credit in interest
account of education loan etc.
In place of ADINTREC kindly use HLASPAY. The
process is as under:
STEP1: Run HLASPAY.
STEP2: Select function as S- Payment, Select
Transaction type as TRANSFER, and enter the
account number from where the interest is to be
deposited in the field Common Debit A/c. Now click
on GO.
STEP3: A new screen will be displayed here click
on YES against Payment towards Deferred
Interest. Enter the loan account number and the
amount to be credited.
STEP4: Click on ACCEPT Button. (The screen will
split; here you can view the adjusted amount value
against the deferred interest field).
STEP5: Click on SUBMIT. Verify the same through
HLASPAY. (The amount will be credited in the
respective partitioned account of the main account)
3
Trying to post transaction number
generated through SIM but the system
shows error as the record is duplicate
Go to HTM, Enter transaction number on the right
bottom press Expand, Enter reference number
(means s number of the unposted transaction
Press GO and then post it. System will allow.
4
Interest are not applied in loan accounts
Common reasons of failure in interest application:
1)Collect interest flag is set to ‘N’ change to ‘Y’
2)Non financial record is pending for authorization
3)Invalid or ZERO interest rate code fed.
4)Account review date expired in HINTTM where
pegged period set
5
System not allowing to delete
InHACMLA> LAInterest Tab change
Interest Deferred up to date in
Deferred/Applicable Interest Rate field to “select”
From drop down option. Interest Deferred upto date
will be automatically deleted. HACMLA>LAInterest Tab. 6 In HACMLA System pops up “Account is closed”
will be automatically deleted.
HACMLA>LAInterest Tab.
6
In HACMLA System pops up
“Account is closed”
Check Refinance & Subsidy Tab and expand
More Subsidy Details. There are two scenarios:
1.Linked subsidy account is closed : Raise SPSD.
2.Some closed operative account is entered as
Subsidy Deposit Account Id :Branch user to
Remove the same.
7
In HACMLA System pops up
“Invalid Account Ownership”
Check Refinance & Subsidy Tab and expand
More Subsidy Details. Remove office Account
Mentioned as Subsidy Deposit Account Id.
8
There are two scenarios:
In HACMLA System popsup “Date
Should be same or later than BOD
Date”
1.Check Next print date in General Tab. It should
Be same or later than BOD date.
2.Check Pegging review date in
HINTTM/HLINTTM. This date should be same or
Later than BOD date.
9
System not allowing to modify
Fields in MIS Codes (VDetails) Tab
Circle Office QC user is empowered to modify
MIS Codes (VDetails) for the account. For
Details refer PSLBCIR03/2017.
10
System applying interest in Staff
As per guidelines ITD/CBSCir 68/2010 branch
Loans after LAXFRINT/HLARA
Capitalization ofi nterest
User was required to run LAXFRINT (NOW
HLARA IN fin 10x) afterCompletion of Principal
Payment, and modify theInt. On Principal Flag as
'N'. but branch user has Not modified the int on
principal as 'N' so system
Has charged interest in the account. Branch user
is required to check the account and confirm that
No principal portion is pending and than modify
the Int. On Principal Flag as 'N' through
HACMLA> LAINterest Tab, branch user can
refund the interest if account is eligible.
11
System
pops up “CIF is Suspended”
during HCAAC/CAACLA.
Please check for active Standing Instructions on
Account in menu HSII and delete the same
Before account closure (Menu HSIM).
12
System not allowing closure of
Staff Festival Loan accounts with
Message “Interest Application not
Upto date”.
Branch user to check in HACI (Interest & Tax
Tab) that collect interest is disabled. Branch user
To enable the same, check that correct scheme
Related interest table code is entered in the
Account as per sanction and thereafter run
interest.
13
During HCLM modification, system
Pops up Verification is pending”
Verification/Cancellation of previous
Modification is pending against the collateralId
In HCLM. Branch user to verify/ cancel first
Before further modification. 14 System not allowing to accept Exceptions like “Multiple Collateral
Before further modification.
14
System not allowing to accept
Exceptions like “Multiple Collateral
Exists”,“Duplicate Distinctive No”,
“Under Insurance for Security”.
Please add pnb.co.in under compatibility view
Settings and try again.
15
System pops up “MULTIPLE
COLLATERAL EXISTS ”at the time
Of Unlinking in HSCLM
Branch user is getting this error because
'UNIQUE' Property Document Number is note
entered
In Collateral Id (Particulars Tab of HCLM). Either
1.Branch user to fill up unique and actual
Property document no. of the borrower in this
Field in HCLM.
OR
2.Branch user may add pnb.co.in under
Compatibility view settings and accept the
exception.
16
How to enter details of guarantor / co-
borrower while opening of loan
accounts
If branch want to add the guarantor/co-borrower
while opening loan accounts if should be added in
RELATED PARTY TAB.
17
How to create collateral ID in Fin 10x
Use menu option HCLM - Lodge - enter details in
General, charge, Particular, Inspection, Insurance
and net value tab and submit system will generate
collateral ID that must be linked with account
through menu option HSCLM.
18
How to credit loan account from
amount lying in sundry account
If while selecting the record from office account
(Sundry/ non customer, etc.) if the Ref. No. field is
blank as explained in then you have to pass a
manual entry in sundry account through HTM. In
this the debit and credit account will be same where
the amount of the credit balance is kept (egg
.SUNDRY) and here in the credit leg you have to
enter a Ref No. in the Ref No. Field (Kindly enter
Loan account no. in short preferably) and post the
transaction. Thereafter use HLASPAY for credit in
loan account.
19
How to credit the partitioned account
of main loan account i.e. credit in
interest account of education loan etc.
In place of ADINTREC kindly use HLASPAY. The
process is as under:
STEP1: Run HLASPAY.
STEP2: Select function as S- Payment, Select
Transaction type as TRANSFER, and enter the
account number from where the interest is to be
deposited in the field Common Debit A/c. Now click
on GO.
STEP3: A new screen will be displayed here click
on YES against Payment towards Deferred
Interest. Enter the loan account number and the
amount to be credited.
STEP4: Click on ACCEPT Button. (The screen will
split; here you can view the adjusted amount value
against the deferred interest field).

STEP5: Click on SUBMIT. Verify the same through HLASPAY. (The amount will be credited in the respective partitioned account of the main account)

20

How to close a Non NPA term loan / demand loan account

A. The interest in the account has to be up to date.

(HLADGEN/ HACINT). HLADGEN is for application of interest in Term Loan/ Demand Loan accounts & HACINT is for

application of interest in Cash Credit/ Overdraft

Accounts. B. If overflow amount exists, then we have to run Loan Demand Satisfaction Process
Accounts.
B. If overflow amount exists, then we have to run
Loan Demand Satisfaction Process (HLADSP/
LAIDC) then run HLADGEN/HACINT.
C. After application of interest, the account has to
be credited with the outstanding amount through
HLASPAY / HTM.
D. If after application of interest, the account
remains in credit balance we have to transfer the
credit balance to borrower’s operative account no.
through PNBLACHG and verify through
PNBLACHG.
E. Then Unlink any active collaterals linked to the
loan account (HSCLM)
F.
the collateral is unlinked we can proceed for
closure through menu option CAACLA.
How to apply interest in term loan /
demand loan and cash credit /
overdraft account
TL/DL accounts
STEP1: Run HLADGEN, Enter Report to as BM,
Enter A/c from (Loan Account Number). Click on
Force Interest Run as YES. Enter Interest till date
as the date till you wish to apply interest in the
account.
How to unlink collateral from loan
account

21

STEP2: Click on SUBMIT. CC/OD accunts STEP1: Run HACINT, Enter Report to as BM, Enter A/c from (Loan Account Number). STEP2: Click on Post Transaction as YES, Debit/ Credit Interest as Debit Interest Only and frequency based run as NO. STEP3: CLICK SUBMIT.

22

Run HSCLM and Select Function as UNLINK Enter Loan Account Number in A/C ID field. Enter the collateral ID in the collateral ID field. Click Accept. A new window will open with automatically filled value of collateral. Select Reason Code as WTDRW & Click SUBMIT. The collateral will be removed from the Account. Verify the same using HSCLM.

When the account balance becomes ZERO, and

23

How to run closure in loan account

STEP1: Run CAACLA. (NOTE: Make sure that the interest in account is up to date, if not kindly run HLADGEN) (NOTE2: Make sure the account balance is Zero) STEP2: In CAACLA select function as Z- CLOSE.

STEP3: Enter the Loan A/c Id. & Click on GO. (A new window will open.) STEP4: Visit the Closure Details TAB. STEP5: Click SUBMIT STEP6: Verify the same using CAACLA.

24

HOW TO CLOSE AN OTS LOAN ACCOUNT HAVING ZERO BALANCE? (NPA) SETTLED UNDER OTS AFTER RUNNING CAACLA THE MESSAGE APPEARS “KINDLY RUN HPAYOFF”:

STEP1: Run HPAYOFF select function as P-Payoff loan account; STEP2: Enter Loan A/c Id, Transaction Type as T/BI and Operative account in Collect/Refund A/c and now click on GO. STEP3: A new screen will open which will have the details like: Net PAYOFF amount, A/c Liability & Interest since Last application, etc. STEP4: This interest since last application is the interest amount which is not charged in the account and if the waiver of the same is sanctioned by the competent authority, fill the amount in the box provided just against the INTEREST WAIVED FIELD. STEP5: Select the Waiver Reason from the searcher as OTS. STEP6: Click on create transaction. STEP7: A new screen with transaction details will open. Click on SUBMIT. STEP8: Verify the same through HPAYOFF. STEP9: Now run CAACLA. Function as Z- Close. Enter Account ID and Proceed. STEP10: Verify CAACLA.

HOW TO UPDATE THE DRAWING POWER IN ANY ACCOUNT?
HOW TO UPDATE THE DRAWING
POWER IN ANY ACCOUNT?

25

D- Derived from security (preferably in Cash Credit), E-Equal to sanction limit (preferably in Term Loan/Demand Loan Credit) M-Maintained (preferably in KCC and related accounts) P-Link to Parent Node STEP4: Enter the applicable date and Drawing Power Indicator. STEP5: Click on SUBMIT. STEP6: Verify the same using HACDPM

The drawing power (DP) in the account can be updated through menu option HACDPM. STEP1: Run HACDPM. STEP2: Select Function as MODIFY, enter account Number & Click on GO. STEP3: A new screen will open here the drawing power can be changed:

26

HOW TO UPDATE THE SANCTION LIMIT IN ANY ACCOUNT?

The Sanction Limit OR the Maximum Allowed Limit in any account can be modified by using the menu option HACLHM. The process flow is as under:

STEP1: Run HACLHM. Select Function as MODIFY. Enter the loan account number & Click on GO. (A new screen will open) STEP2: In this screen select the record by checking

the check box against it. STEP3: Now if the maximum allowed limit is to be changed modify and enter new maximum allowed limit in the Max. Allowed Limit field. STEP4: Enter the applicable from date, New sanction limit (if the sanction limit is to be changed), Supersede as Y, Date of sanction, Date of expiry, Document Date, etc. Step5: Click on SUBMIT. STEP6: Verify the same using HACLHM.

HOW TO UPDATE THE DEBT ACKNOWLEDGEMENT DATE IN ANY ACCOUNT? STEP1: For updating the debt
HOW TO UPDATE THE DEBT
ACKNOWLEDGEMENT DATE IN ANY
ACCOUNT?
STEP1: For updating the debt acknowledgement
date in CC/OD/KCC accounts kindly use HACM.
For updating the debt acknowledgement date in
Term/Demand Loan kindly use HACMLA.
STEP2: For CC/OD/KCC accounts visit the
SCHEME DETAILS TAB. (HACM) & for Term/
Demand Loan visit the LOAN DETAILS TAB
(HACMLA).
STEP3: Enter the Debt acknowledgement date in
Debt Acknowledgement Date field & Click on
SUBMIT.
HOW TO CREDIT MULTIPLE LOAN
ACCOUNTS IN FINACLE 10X?
The functionality of single debit and multiple
credits is available and it can be done by
HLASPAY.
The process for the same is as follows:

27

STEP1: Run HLASPAY STEP2: Select function as S-PAYMENT and enter the common debit account number (sundry/non- customer/operative account). Note: this account will be single debit a/c and can’t be changed. STEP3: Click on GO. (A New Screen will appear) STEP4: In this screen enter the loan account number#1 which you want to credit, enter the amount and then click on ACCEPT. The loan liability will open and you can view what demands are being adjusted. STEP5: Once the data for loan account number#1 is done, click on ADD button provided at the screen. This will take you to second record. STEP6: Now fill the data for loan account number#2, the account number, the amount. You can also go back to previous record too. STEP7: Once done with all the credit entries click on SUBMIT. STEP8: Verify the records by HLASPAY.

28

29

HOW TO REVERSE WRONG DISBURSEMENTS IN LOAN ACCOUNTS IN FINACLE 10X?

If any of the loan accounts has been wrongly disbursed then the same can be reversed using HLADISB. The steps involved in reversal of the wrong disbursement are as follows:

STEP1: Run HLADISB. STEP2: Select function as R-REVERSAL; enter the loan account ID & Select Transaction Type as

Cash OR Transfer as the case may be. (The value date, the disbursed amount &
Cash OR Transfer as the case may be. (The value
date, the disbursed amount & the transaction
number of last disbursement will automatically be
populated on the screen)
Click on ACCEPT. (A new Screen will appear)
STEP4: In this screen enter the debit A/c No. (The
account from where the amount is to be reversed
and to be credited back to loan account number) &
Click on ACCEPT.
STEP5: View the transaction being created here
and click on SUBMIT. A success message will
appear.
STEP6: Verify the same using HLADISB. Now
check the account ledger and the reversal entry will
be reflected in the account.
30
HOW TO REVERSE WRONG CREDIT
MADE IN LOAN ACCOUNTS IN
FINACLE 10X?
Any loan account that has been credited wrongly
can be reversed by the menu option HLASPAY.
The Procedure is as follows:
STEP1: Run HLASPAY.
STEP2: Select function as R-REVERSAL; enter
the Common Debit ID (The account from where
the amount was debited). Then click on GO.
STEP 3: In new screen - Enter the loan account
ID and then click on searcher against Reversal ID.
A pop-up window will open with all the credits
made in the loan account. Select the appropriate
transaction from the window.
STEP4: Once you have selected the record the
same will be populated on the screen
STEP5: Next click on ACCEPT. The outstanding
amount and adjusted amount window will open as
bifurcated window.
STEP6: Click on SUBMIT & verify the same using
HLASPAY.
31
MCHRG menu option not working gives
error “Account not maintained for
Bacid”
Branches are selecting the office account that is of
8 digits (Head office account) which is not
maintained at Branches. Please select the correct
heads (That is of 7 digits). Eg. – 2081002 (Income
Cersai fee recovered) has to be selected by
branches. 20810102 (Income Cersai fee
recovered) is maintained at head office and will not
be available at branches.
Very Important - Branches to strictly ensure
that income is booked through MCHRG menu
instead of HTM. Branch use HTM and credit the
amount in the income along with GST which
makes very difficult to reconcile the data.
32
Trying to reverse the excess debited
GST on solvency charges of issue of
Shipping. How to reverse excess
GST?
Use menu option CCXLGST and refer to the
circular from finance division – 10/2018.
33
How to generate the GST invoice for
the customer?
Use menu option CGSTRPT and refer to the
circular from finance division – 28/2017.
34 Standing instructions in loan accounts Following two points be taken care of: 1) Delete
34
Standing instructions in loan accounts
Following two points be taken care of:
1)
Delete tran. if not posted must be yes
2) Carry forward limit (days) should be
reasonable and not like 999 etc.
35
Runtime
error
while
executing
MARKNPA menu
Whenever runtime error is coming in MARKNPA
branch user to required to clear the AFI in below
menu option
HACM, HACMLA, HACLHM, HACDPM, HAFSM,
HCCA, HLARA,
36
Enquiry of Loan lien in the accounts
Use menu option HCUALI
37
Error in apportioned value while entering
insurance details in HCLM
While entering the insurance in HCLM despite of
correcting the apportioned value in HCLM and
HSCLM then just do one thing go to HCLM menu
modify the security >visit particular tab and change
the title no. mentioned there fill the property details
like city, country, state and property area etc. Than
submit the particular tab with security number and
no error of apportioned value will be shown.
38
If wrongly credited partitioned accounts
how to reverse the entry
Functionality of debit in interest office account
5711407, 5711410, 5711411 through HTM has
been released. User can debit interest office
account through HTM with flow id as INDEM ( in
additional details) if wrongly credit. Branch user is
required to run LAIDC after making transaction.
39
On entering balance confirmation letter
date in loan details in the account system
does not allow and flashes the message
“common group account ownership
invalid”
Modify subsidy available as N and interest benefit
from day1 as N and subsidy deposit account ID
remove the account number <SOLID>3182101 in
Refinance & subsidy details through HACMLA by
expanding at the bottom.
40
While trying to link collateral ID in
HSCLM system gives 2 errors multiple
collateral linked & duplicate distinctive
number
User has to accept it and proceed further after
deleting cookies / temp files.
41
While using Lien marking through hold
in operative account field whether
intersol account can be added.
System will mark lien in account which has entered
there. There is no restrictions of home SOL.