#DD by Cash

Demand Drafts / Banker’s Cheque / Pay Order are an important mode of remittance of
money from one centre to another for the public in general. This is one of the key services
offered by the bank which generates non-fund income to the Bank.

Apart from issue and payment of draft, other activities involved in this line of business are
cancellation, rectification, re-validation, reversal, noting caution as a part of Demand Draft
handling process. Automatic charge calculation, charging of special charges for special
customer, also forms integral part of business requirement.

Demand Draft

A demand draft is an order instrument drawn by one office of a bank upon another office of
the same bank .Through this process the money is transferred from one centre to another
centre.

Issue of Demand Draft

Menu Option – TM / HDDMI

DD by Cash Step-By-Step

01. TM - A - F4 - C/NR - F4
02. Enter DD A/C No (To Select Press F2 - Scheme Type - DDA - F4 - Select DD AC) - F4
03. DD Amount- Tab - C - Tab - Narration "DD by cash"- F4
04. Mention City- Tab - Branch - F4
05. Payee Name - F4 (Payee name Must be Exact as per Slip) - Purchaser Name - F4
06. Print Option - L - F4 (View Charge) - F4
07. Use DOWN ARROW to Visit all Part Tran
08. POST all Part Trans (P- F4) - Finally Press F10
08. Note Down DD No / TRANID and Proceed to Printing of a Single DD
#Printing of a Single Demand Draft (DD)
Printing of Draft is possible after transaction is posted.

Single Demand Draft Printing Step-By-Step

Menu Option: DDPRNT

01. DDPRNT - Enter

02. Mention DD No or Tran ID & Part Tran No (normally 1) - F4
03. Mention Date - F4
04. Make your Printer ready with Blank DD
05. Press F4 to start printing.
06. Once Printed OK (Y), Press F10 or Click Commit

After committing inventory will be moved and necessary update to DD number, Print flag
happens.

CAUTION

If user quit at this stage without commit no update will be done and the draft will remain in
unprinted status and if the draft is drawn on Finacle branches it will affect the payment
status also.
#Pay Order (PO) by Cash
Pay Order

Pay Order is also an instrument through which funds can be transferred. But pay order is
issued only within local clearing area.

Issue of Pay Order Step-By-Step

01. TM - A - F4 - C/NR - F4
02. Select PO A/C No (To Select Press F2 - Scheme Type - DDA - F4 - Select PO AC) - F4
03. PO Amount- Tab - C - Tab - Narration (PO by cash)- F4
04. Payee Name - F4 (Payee name Must be Exact as per Slip) - Purchaser Name - F4
05. Print Option - L - F4 (View Charge) - F4
06. Use DOWN ARROW to Visit all Part Tran
07. POST all Part Tran - P - F4 - F10
08. Note Down the TRANID and Proceed to Printing (Same af Printing of a Single DD)
#Activation of Dormant Account
When there has been no financial activity for a long period of time, other than posting of
interest, an account can be classified as dormant. Once the account turns dormant you
cannot operate account like money cannot be withdrawn, cheque clearance etc. Statute of
limitations usually does not apply to dormant accounts, and funds can be claimed by the
owner or beneficiary at any time.

Modification

01. ACM - Enter - M - AC ID - F4

02. Option S - F4 - F6
03. Change Account Status "D" to "A" - F4 - F10

Verification

01. ACM - Enter - V - AC ID - F4

02. Option S - F4 - F6 - F4
03. Option 0 (Zero for General Details) - F4
04. F6 - F6 - F4 - Finally Press F10 to Save
#Freezing an Account (AFSM)
An account can be frozen in the following cases, viz, Court Order, Garnishee Order, Income
Tax/Wealth Tax/Gift Tax attachment, Insolvency, insanity, Dispute between the account
holders, death of an account holder, etc.

The freezing can be of three types. Total freeze, Credit Only, Debit Only. Freeze can be done
either at the account level, when only the account is frozen or at the Customer Id level, when
all the accounts linked to the customer id is frozen.

Menu Option: AFSM - Select ‘F’

Freezing an Account Step-By-Step

01. AFSM - Enter

02. F - F4 - Reason (F2 to select) - F4
03. Freeze Code (T/C/D) - F4
04. Ac ID - Tab - Move to Remark Field and Enter Remark - F4
05. Press F10

Verification

01. AFSM - Enter - V - F4

02. A/c ID - F4
03. Press F10 to complete the task
#Unfreeze
When it is found necessary to revoke the restriction placed on the account/customer by
freeze, then the same is possible by the Menu Option AFSM and selecting the Option ‘U’ for
Unfreeze.

The operations in the account can be resumed only after the above is verified by a different
user with the requisite powers.

01. AFSM - Enter

02. U - F4 - Ac ID - F4 - Shft+F4 to Select the Account
03. Press F10 and proceed for verification

#Find Account Number from Cheque

If you want to check/search the account number of particular cheque, use the menu
option INQACHQ.

Finacle Steps

01. INACHQ - Enter

02. Enter Cheque Number - Tab - Sol ID - F4
03. Now the account number having the same Cheque number will be displayed.

Note: Sometime it may show multiple account numbers with same cheque number.
Remember those accounts have cheque with same umber but with different alpha series.
#Stop Payment Processing (SPP)
Stop payments can be marked as per customer’s request through the menu
option SPP. Stop Payment instructions for a cheque(s) can be entered only if Issue of
concerned chequebook has been acknowledged by customer and is duly entered in the
system. Therefore, it is necessary that cheque book should be in acknowledged status before
any stop payment instructions are entered in the system.

Stop Payment Step-By-Step

01. SPP - Enter

02. S - F4 - A/C ID - F4
03. Begin Cheque No - F4 - No of Leaves - F4
04. Enter Party Details Name - Tab - Date - Tab - Amount
05. Tab - Reason Code (Press F2 and Select from List ex. Option 2) - F4
05. Option - C (Charge Collection) - F4 - F4
06. Press F10 and send for Verification

Note: Use the option 'G' for modification of general details

Stop Payment Verification

01. SPPAU - Enter

02. V - F4 - A/c ID - F4
03. Begin Cheque No - F4 - F4
04. Option C - F4 - F4
05. Press F10
06. Print Dialogue Box will appear.
07. F (Foreground) - F4 - Y (Print required) - F4 - mention no copies & Printer
08. Press F10 to generate the STOP payment confirmation letter.

Inquire whether cheque is stopped or not.

01. ACM - Enter

02. I - F4 - A/C ID - F4
03. Option Q - F4
04. Select the Cheque Series - Ctrl+E
05. Find the cheque is marked as "Stopped"

#Chequebook Maintenance (CHBM)

Various cheque book maintenance related operations can be carried out using CHBM web
menu option. In case of verification CHBMAU menu option should be used.

Inquire Cheque Book Status

01. CHBM - Enter

02. I - F4 - A/c Id - F4
03. Select the Series - Press Ctrl + E to check details

Add Acknowledgement (If chequebook earlier issued without

Acknowledgement)
01. CHBM - Enter
02. A (Acknowledgement) - F4 - A/c Id - F4
03. Select the Chequebook, Shft + F4
04. Press F10

Verification

01. CHBMAU - Enter

02. V - F4 - A/c No - F4
03. Press F10

Destroy Chequebook (Single / Multiple Instruments)

01. CHBM - Enter

02. A - F4 - A/c Id - F4
03. Begin Cheque No - F4 - No of Leaves - F4 - F10

Verification

01. CHBMAU - Enter

02. V - F4 - A/c No - F4
03. Begin Cheque No - F4 - F10

Caution a Cheque

01. CHBM - Enter

02. C - F4 - A/c Id - F4
03. Begin Cheque No - F4 - No of Leaves - F4 - F10

Verification

01. CHBMAU - Enter

02. V - F4 - A/c No - F4
03. Begin Cheque No - F4 - F10

Cautioned status of a cheque can be removed using " U - Undo Caution"

function followed by verification.

#Issue of Cheque Book (ICHB)

An user can issue a cheque book only if he is in possession of the cheque books.. In case the
employee is holding say 1000 leaves of a specific inventory, say 100 lots of 10 leaves each,
then the user should split his holding to 10 leaves of 100 lots and then can issue the same..

Web Menu Option: ICHB / ICHBAU

Issue of Cheque Book Step-By-Step

01. ICHB - Enter

02. I - F4 - A/c No - F4
03. Chequebook Acknowledgement Obtained - Y (Yes) - F4
04. Chq Type - Press F2 and Select from List (Ex. SB10) - F4
05. Use Arrow Key to move and Press Shft + F4 to Select Cheque Series displayed below
06. Press F10 to save & Request for Verification

Verification

01. ICHBAU - Enter

02. V - F4 - A/c No - F4
03. Collect MICR Charge - Mention Y if to collect charge else N - F4
04. Press F10

Note: If a chequebook of an holding user is issued by another user, then the

holding user must verify to complete the process. Thus, an inventory holder
may involve either issue or verifacation of a chequebook.

#Use of Function keys in Finacle

Check the table for the detail use of Function keys in Finacle.

Note: The function keys can be re-configured as per organisations requirements.

#Use of Function Key combinations
Here are the role of function key combinations in Finacle.

Note: CTRL+T (WHOAMI) key combination shows information about the Currently
Logged in User
#Account Lien Maintenance (ALM)
One can lien certain amount in an account in Finacle which can not withdrawn unless lien is
removed. Lien can be marked in account due to Income Tax Attachment Order, Garnishee
Order, Margin Money or Collateral security etc. Even if a customer want load against Fixed
Deposit, the FD can be marked lien as guarantor for loan.

Account Lien Maintenance Step-By-Step

01. ALM - Enter

02. A - F4 - AC ID - F4
03. Amount (Mention amount to be Lien) - Tab
04. Expiry Date (the lien will be automatically removed after the date) - Tab
05. Reason (Press F2 and select from list) - Tab

06. Reason (Mention detail lien reason) - F10

Verification

01. ALM - Enter -

02. V - F4 - AC ID - F4 - Check Lien Details
03. Press F10 to complete the task

Use ACCBAL command to verify the lien amount

Removing Lien (Manually)

01. ALM - Enter

02. M - F4 - AC ID - f4
03. Change the Lien amount to 0.00
04. Press F10

Verification

01. ALM - Enter - V - F4

02. AC ID - F4 - Check Modified Lien Details
03. Press F10 to complete the task