Finacle User Guide IDBI

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FINACLE User

Guide

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IMPORTANT FUNCTION KEYS

Physical Key

What does it do?

F1

Field level help. Like in several word processors and spreadsheet packages, F1 displays context sensitive help messages and field level help messages.

F2

List. This key lists the codes that may be used in a particular field.

F3

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.

F4

Accept. After the user has completed the input, this key can be used to accept the data.

F5

Background Menu

F6

Next Block

F8

Copy Record

F9

Display Signature

F10

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.

F11

Next field

F12

Previous Block

TAB

Go to next valid field

ENTER

Go to the next field

CTRL+

Next record

CTRL+

Previous record

CTRL+

Scroll left

CTRL+

Scroll right

CTRL+F1

Help maintenance

CTRL+F3

Show key map

CTRL+F4

Display error

CTRL+F8

Terminal lock

CTRL+F9

Memo pad look up

CTRL+F11

Context level help

CTRL+D

Page down on a list

CTRL+E

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

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CTRL+K

Clear a set of field

CTRL+T

Display LGI. The user ID, Terminal ID, SOL, BOD date and language details are displayed.

CTRL+U

Page up on a list

CTRL+X

Put BOD date. This key combination populates the default BOD date in the field.

SHIFT+F1

Function key help

SHIFT+F4

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.

SHIFT+F11

Transmit

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COMMONLY USED MENU OPTIONS

Option

What is it used for?

Customer Related

CUMM To create new customers records, modify customer record, verify customer record and inquiry related to customers

CUMI Inquiry on customer record

CUS Inquiry on Customers based on selected criterion/ criteria CUIR Interest Certificate for customers

CUMP Customer Master Print

CUSTBALP Balances for different accounts of a customer

Account Related

OAAC For opening SB/CA/FD/Loan/OD accounts OAACAU To verify account opened under OAAC ACM Inquiry about the accounts

ACLI Account ledger inquiry ACCBAL Account balances

INTTM For changing the interest rate CAAC Closure of accounts

CAACAU Verification of closed accounts ACINT For running interest calculations AITINQ Inquiry on interest in accounts TDSCALC For calculating the TDS

ACMP Master print for accounts

AFSM For freezing/ unfreezing the accounts PSP Printing statement of accounts ACTODM For granting TOD

ACTODI Inquiry on TOD in accounts SPP To input stop payments SPPAU To authorize stop payments

INQACHQ Inquire on the basis of cheque number

Tax related

TDSIP TDS reports

TDSREP TDS reports Inventory Maintenance

IMAUM Maintain authorized users for inventory IMC Inventory movement between locations IMI Inquiry on inventory

ISI Inventory split merge and inquiry for inventory held by self ISIA Inventory split, merge and inquiry for inventory held by others ICHB Issue of cheque books to customer accounts

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TEI Inquiry on exceptions in transactions

Clearing

MCLZOH Opening/ regularization/ suspension of outward clearing zone OCTM Outward clearing transactions

ICTM Inward clearing transactions

OIQ Outward clearing transaction inquiry OPQ Inquiry on outward clearing part tran MARKPEND For marking pending some instruments REVPEND For revoking MARKPEND

MICZ Opening/ suspension/ validation/ closing of inward clearing zone

Demand Drafts/ Payorders

DDPRNT Printing DD/ PO DDLOST Noting lost DD/ PO DDMI Mass issue of DD/PO DDSM Status of the DD/ PO DDD Issuing Duplicate DD/ PO DDII Inquiry on specific DD issued DDIC Inquiry on credits to DD account DDIP Inquiry on specific DD paid DDID Inquiry on debits to DD account

Password Maintenance

PAPW Protecting password PWMNT Changing Password

OBC

BM Lodging/ verifying/ realizing OBC

BI Inquiry on OBC

Standing Instructions

SIM Setting up standing instruction SIE Execution of standing instructions

CFLM Inquire/ delete/ carry forward standing instruction SIETR Standing instructions execution report

SIRP Standing instructions report

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JOB CARD - CREATING CUSTOMER

1.0 Open a Customer ID

1.1 Go to Menu option and enter option CUMM

1.2 Input details as mentioned below -

1. Function Enter ‘A’ and press F4

2. Customer Name Enter customer name

3. Short Name Enter short name

4. Type Select from F2

5. A/c Manager Select from F2

6. Status Select from F2

7. Status as on Enter date at which status code changed

8. Group Select from F2

9. Gender Select from F1

10. Occupation Select from F2

11. Non Resident Enter Y or N

12. Constitution Select from F2

13. Staff? Enter Y or N

14. Staff No Enter employee ID

15. Minor? Enter Y or N

16. Bank code Select from F2

17. Trade Finance Customer? Enter Y or N

18. Nat ID Card no Skip

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24. Frequency for statement Enter the frequency of the statement 1.3 Press F4

1. Communication Address Enter communication address 2. City/State/Country/Language

Code

Select from F2 3. Phone/telex/Mobile/Fax No Enter No

4. Email Id Enter Email Address

5. Swift Code Enter Swift Code

6. Is Swift Code Of Bank Enter Y or N

7. Permanent Address Enter permanent address 8. City/State/Country/Language

Code Select from F2

9. Phone/telex No Enter No

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1.5 Press F6

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

code/Customer Rating

Select from F2

2. As on Enter date on which customer rating has been taken

3. Cr Card Holder? Enter Y or N

4. Card details Enter Credit card details

5. Customer preferential till date Enter date till the customer is a preferential customer

6. Customer Tax Details -

7. TDS Exempt end date Enter the date till when the customer is exempted from TDS

8. Tax slab Enter TDSI for individuals/TDSC for Corporate clients/ NOTDS for NRI customers

9. TDS customer ID 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 10. TDS exempt submission date Enter date on which TDS exempt

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1.7Press F6

1.8 Input details as mentioned below

-1. Customer financial details as on Enter the date 2. Fin yr end month Enter the month 3. Currency code Enter currency code 4. Business assets Enter amount 5. Property assets Enter amount

6. Investments Enter amount

7. Net worth Enter amount

8. Deposits Enter amount

9. Limits with other banks/institutions

Enter limits

10. As on Enter date

11. Fund based Enter amount

12. Non fund based Enter amount 13. Charge turnover required Enter Y or N

14. Charge code Select from F2

15. Charge debit a/c Enter a/c no

16. Sol ID Enter SOL ID

17. Manager’s opinion Enter opinion

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-1. Passport Enter passport number

2. Issue date Enter date of issue

3. Passport details Enter passport details 4. Expiry date Enter expiry date

5. Purge allowed Enter N

6. Purge remarks SKIP

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-Free Text Enter Free Text, any relevant particulars that you wish to input e.g., customer’s nick name etc

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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 –

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-1. With holding tax Enter 33 for NRI customers else 0 2. Floor limit for with holding tax SKIP

3. Customer preferential %(Cr) Enter pref. Interest if required. 4. Customer Preferential %(Dr) Enter pref. Interest if required

1.16 Press F4

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1.17 Input the details as mentioned below -

1. Date of birth Enter DOB of minor 2. Attains majority on Comes by default

3. Guardian Enter guardian name

4. Address Enter Address of guardian

5. City/State/Country Select from F2 1.18 Press F4

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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 Comes by default

2. Address Enter address

3. City Select from F2

4. Telephone/fax/telex no Enter no. 5. Code given by central bank Enter code 6. Code given by trade authority Enter code

7. Exp/Imp? Select from F1

8. Native Comes by default (can be changed)

9. Review date Enter date

10. SSI? Enter Y else N

11. 100% EOU Enter Y if 100% EOU

12. Status Select from F1

13. Party constitution Select from F2 14. Special party? Enter Y or N

15. Party type Select from F2

16. Production cycle Comes by default 1.20 Press F4

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Note down customer ID on the Account Opening Form and send the forms for verification.

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2.0 Verification of Customer ID

2.1Go to Option - CUMM

1. Function Enter ‘V’

2. Customer ID 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 minor’s details.

For Trade finance customers go to option T to verify Trade finance details. Press F10 to commit.

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SCHEME CODES

S SCHEME DESCRIPTION GL

No. CODE CODES

SAVINGS BANK

1 RSEFC SAVINGS RETAIL EEFC 10400

2 RSGEN SAVINGS RETAIL GENERAL 10400

3 RSMCP SAVINGS RATAIL MONEYCORP 10400

4 RSNRE SAVINGS RETAIL NRE 10400

5 RSNRO SAVINGS RETAIL NRO 10400

6 RSNRS SAVINGS RETAIL NRSR 10400

7 RSQ22 SAVINGS RETAIL QA 22 10400

8 RSRFC SAVINGS RETAIL RFC 10400

9 RSSTF SAVINGS RETAIL STAFF 10400

10 CSGEN CORPORATE SAVINGS GENERAL 10450

CURRENT ACCOUNTS

1 RCEFC CURRENT RETAIL EEFC 10200

2 RCGEN CURRENT RETAIL GENERAL 10200

3 RCNRE CURRENT RETAIL NRE 10200

4 RCNRO CURRENT RETAIL NRO 10200

5 RCNRS CURRENT RETAIL NRSR 10200

6 RCSMC CURRENT RETAIL SMART CARD 10200

7 RCSPL CURRENT RETAIL SPECIAL 10200

8 RCSTF CURRENT RETAIL STAFF 10200

9 CCEFC CURRENT CORPORATE EEFC 10300

10 CCESC CURRENT CORPORATE ESCROW 10300

11 CCNPL CURRENT CORPORATE NON PERSONAL 10300

12 CCQ22 CURRENT CORPORATE QA 22 10300

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1.1 Go to Menu option and enter option OAAC

1. Function ‘O’ - Comes by default 2. Customer ID Enter customer ID 3. Currency code INR – comes by default 4. GL subhead code Skip

5. Scheme code Select from F2 . 6. Permanent a/c no Skip

7. Copy account no Skip 1.3 Press F4

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1. Acct name Comes by default

2. Acct short Name Comes by default 3. Account Open date Comes by default 4. Special charge code Skip

5. Mode of Operation E or S etc select from F2

6. Location code Skip

7. Account manager Skip

8. Cash/clg/trn Exception limit Comes by default 9. Account report code Comes by default

10. Ledger No Skip

11. Collect Charges Comes by default 12. Turnover details Comes by default

13. Relative to staff If a relative of staff put “Y”

14. Relative staff ID If above flag “Y’ enter employee ID of the related staff

15. Remarks Additional information, if any 1.5 Press F6

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1. Passbook/Statement Enter P for Passbook & S for Statement 2. Frequency for Statement Enter -

Q=Quarterly,

1=1st_{date of the month,}

N=if 1st_{is a holiday, it goes to the next}

day.

3. Local calendar Enter N

4. Dispatch Mode Skip

5. Next print date Comes by default 6. Freeze code & Freeze reason Skip

7. Pay interest Comes by default

8. Collect interest Comes by default 9. Customer Preferential Interest

(Cr.) Skip

10. Account Preferential Interest

(Cr.) Skip

11. Interest Cr A/c flag Enter S 12. Interest credit account No Skip

13. Interest rate code Comes by default 14. Account Pegged Comes by default 15. Customer Preferential Interest

(Dr.)

Skip 16. Account Preferential Interest

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1.7 Press F6

1. Contact Phone No Enter Tel no

2. DDA maintenance Skip

3. Interest Calc Freq Cr. Skip 4. Next interest calc date Cr. Skip 5. Interest Calc Freq Dr. Skip 6. Next interest calc date Dr. Skip 7. TDS Operative a/c Skip

8. Language Code Skip

9. Name in lang code Skip

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1. Cheque Allowed Comes by default

2. Availing Nomination Facility Enter ‘Y’ or ‘N’ as required 3. With holding tax borne by 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 –

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1. Nominee’s Name Enter nominee’s name

2. Relationship Select from F2

3. Address Enter nominee’s address

4. Reg No. Will be generated by the system

5. City Code Select from F2

6. State code Select from F2

7. Country Code Select from F2

8. Nominee Minor? Y or N

9. Guardian’s Name If nominee is minor, enter guardian’s name

10. Address Enter Guardian’s Address

13. Country code Select from F2 1.14 Press F4

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1.15 If the saving a/c is linked to FFD scheme the go to ‘J’ option, the following screen will appear–

1. FFD Scheme Code Select from F2 and press F4 2. Auto Renwl GL Subhead Code Enter Same as GL subhead 3. Automatic Sweep? Enter ‘Y’

4. Repayment instruction Select from F2 5. Location code Select from F2

6. Sweep-in deposit period 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.

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1. Relation Type Select from F1 2. Relation Code Select from F2 3. Dispatch Mode Select from F2 4. Designation Code Select from F2

5. Customer ID Enter Customer ID of the joint a/c holder

6. Name/Address/Tel No/Fax

No/Telex No/ Email ID Comes by default

7. Start Date Enter the date from when the joint a/c holder can operate the a/c

8. End Date Enter the date till when the joint a/c holder can operate the a/c

9. Amount Enter the signing limit of the joint a/c holder

10. Remarks Enter remarks if any

1.21 Press CTRL+DOWN ARROW keys to add more joint a/c holders and continue as explained above.

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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

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2. Temporary a/c no 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.

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-1. Function Enter ‘A’ and press F4

2. Type Enter C for cash/T for transfer

3. Subtype Select from F2

4. A/c No Enter SB a/c no for cash txn and the Debit account number in case of Transfer txn

5. Amount Enter transaction (txn) amount

6. Next Field (adjacent to the amt

field). Enter ‘C’ for credit ‘D’ for debit. 7. Narration field Enter narration

8. Inst type Enter CHQ for cheque txn else skip 9. Inst no Enter the instrument number

10. Value date Skip

12. Ref no Skip

13. Visit Screen Skip

14. Inst Date Enter instrument date

15. Print Advice Skip

16. Report code Skip

3.3 Put ‘P’ in the specify option field

3.4 Press F4 to post credit part of the transaction.

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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. Press F10 to commit.

3.8 Press F4 and enter ‘P’ in the specify option to post the debit part of the transaction.

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The following screen will be shown –

3.10 Note down the transaction ID on voucher

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4. Verification of Transaction

4.1 Go to Menu Option and Enter TM

1. Function Enter V

2. Tran Id 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.

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3.3Input details as mentioned below -

1. Function Enter ‘Z’

2. A/c No 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

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3.6Give remarks in the above highlighted field. 3.7Press F10 to commit.

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SCHEME CODES

S SCHEME DESCRIPTION GL

No. CODE CODES

SHORT TERM

1 RTCSS RETAIL CLIENT SHORT TERM SIMPLE INTT 10500 2 RTCSC RETAIL CLIENT SHORT TERM COMPOUND INTT 10500 3 RTCSQ RETAIL CLIENT SHORT TERM QTRLY PAYOUT 10500 4 RTCSM RETAIL CLIENT SHORT TERM MONTHLY PAYOUT 10500

5 RTBSS RETAIL BULK SHORT TERM SIMPLE INTT 10500

6 RTBSC RETAIL BULK SHORT TERM COMPOUND INTT 10500

7 RTBSQ RETAIL BULK SHORT TERM QTRLY PAYOUT 10500

8 RTSSS RETAIL STAFF SHORT TERM SIMPLE INTT 10500

9 RTSSC RETAIL STAFF SHORT TERM COMPOUND INTT 10500 10 RTSSQ RETAIL STAFF SHORT TERM QTRLY PAYOUT 10500 11 RTSSM RETAIL STAFF SHORT TERM MONTHLY PAYOUT 10500

12 CTCSS CORP CLIENT SHORT TERM SIMPLE INTT 10540

13 CTCSC CORP CLIENT SHORT TERM COMPOUND INTT 10540

14 CTCSQ CORP CLIENT SHORT TERM QTRLY PAYOUT 10540

15 CTCSM CORP CLIENT SHORT TERM MONTHLY PAYOUT 10540

16 CTBSS CORP BULK SHORT TERM SIMPLE INTT 10540

17 CTBSC CORP BULK SHORT TERM COMPOUND INTT 10540

18 CTBSQ CORP BULK SHORT TERM QTRLY PAYOUT 10540

19 CTASS CORP AGRI SHORT TERM SIMPLE INTT 10540

20 CTASC CORP AGRI SHORT TERM COMPOUND INTT 10540

21 CTASQ CORP AGRI SHORT TERM QTRLY PAYOUT 10540

22 CTASM CORP AGRI SHORT TERM MONTHLY PAYOUT 10540

23 CTGSS CORP GOVT SHORT TERM SIMPLE INTT 10540

24 CTGSC CORP GOVT SHORT TERM COMPOUND INTT 10540

25 CTGSQ CORP GOVT SHORT TERM QTRLY PAYOUT 10540

26 CTGSM CORP GOVT SHORT TERM MONTHLY PAYOUT 10540

27 TTBSS TREASURY BULK SHORT TERM SIMPLE INTT 10580 28 TTBSC TREASURY BULK SHORT TERM COMPOUND INTT 10580

MEDIUM TERM

29 RTCMC RETAIL CLIENT MEDIUM TERM COMPOUND INTT 10600 30 RTCMQ RETAIL CLIENT MEDIUM TERM QTRLY PAYOUT 10600 31 RTCMM RETAIL CLIENT MEDIUM TERM MONTHLY PAYOUT 10600

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32 RTBMC RETAIL BULK MEDIUM TERM COMPOUND INTT 10600 33 RTBMQ RETAIL BULK MEDIUM TERM QUARTELY PAYOUT 10600 34 RTSMC RETAIL STAFF MEDIUM TERM COMPOUND INTT 10600 35 RTSMQ RETAIL STAFF MEDIUM TERM QTRLY PAYOUT 10600 36 RTSMM RETAIL STAFF MEDIUM TERM MONTHLY PAYOUT 10600 37 CTCMC CORP CLIENT MEDIUM TERM COMPOUND INTT 10640 38 CTCMQ CORP CLIENT MEDIUM TERM QTRLY PAYOUT 10640 39 CTCMM CORP CLIENT MEDIUM TERM MONTHLY PAYOUT 10640 40 CTBMC CORP BULK MEDIUM TERM COMPOUND INTT 10640 41 CTBMQ CORP BULK MEDIUM TERM QUARTELY PAYOUT 10640

42 CTAMC CORP AGRI MEDIUM TERM COMPOUND INTT 10640

43 CTAMQ CORP AGRI MEDIUM TERM QTRLY PAYOUT 10640

44 CTAMM CORP AGRI MEDIUM TERM MONTHLY PAYOUT 10640

45 CTGMC CORP GOVT MEDIUM TERM COMPOUND INTT 10640

46 CTGMQ CORP GOVT MEDIUM TERM QTRLY PAYOUT 10640

47 CTGMM CORP GOVT MEDIUM TERM MONTHLY PAYOUT 10640 48 TTBMC TREASURY BULK MEDIUM TERM COMPOUND INTT 10680

LONG TERM

49 RTCLC RETAIL CLIENT LONG TERM COMPOUND INTT 10700 50 RTCLQ RETAIL CLIENT LONG TERM QTRLY PAYOUT 10700 51 RTCLM RETAIL CLIENT LONG TERM MONTHLY PAYOUT 10700 52 RTBLC RETAIL BULK LONG TERM COMPOUND INTT 10700 53 RTBLQ RETAIL BULK LONG TERM QUARTELY PAYOUT 10700 54 RTSLC RETAIL STAFF LONG TERM COMPOUND INTT 10700 55 RTSLQ RETAIL STAFF LONG TERM QTRLY PAYOUT 10700 56 RTSLM RETAIL STAFF LONG TERM MONTHLY PAYOUT 10700

57 CTCLC CORP CLIENT LONG TERM COMPOUND INTT 10740

58 CTCLQ CORP CLIENT LONG TERM QTRLY PAYOUT 10740

59 CTCLM CORP CLIENT LONG TERM MONTHLY PAYOUT 10740

60 CTBLC CORP BULK LONG TERM COMPOUND INTT 10740

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65 CTGLC CORP GOVT LONG TERM COMPOUND INTT 10740

66 CTGLQ CORP GOVT LONG TERM QTRLY PAYOUT 10740

67 CTGLM CORP GOVT LONG TERM MONTHLY PAYOUT 10740

68 TTBLC TREASURY BULK MEDIUM TERM COMPOUND INTT 10680

69 RTMIB RETAIL MIBID 10810

70 CTMIB CORP MIBID 10820

71 TTMIB TREASURY MIBID 10830

72 RTCDI RETAIL CDs 10910

73 CTCDI CORP CDs 10920

74 TTCDI TREASURY CDs 10930

NRI DEPOSITS

75 RTNOS RETAIL NRO SIMPLE INTT 11110

76 RTNOC RETAIL NRO COMPUND INTT 11110

77 RTNOQ RETAIL NRO QUARTERLY PAYOUT 11110

78 RTNOM RETAIL NRO MONTHLY PAYOUT 11110

79 RTNSS RETAIL NRSR SIMPLE INTT 11210

80 RTNSC RETAIL NRSR COMPUND INTT 11210

81 RTNSQ RETAIL NRSR QUARTERLY PAYOUT 11210

82 RTNSM RETAIL NRSR MONTHLY PAYOUT 11210

83 RTNRC RETAIL NRE COMPUND INTT 11310

84 RTNRQ RETAIL NRE QUARTERLY PAYOUT 11310

85 RTNRM RETAIL NRE MONTHLY PAYOUT 11310

86 RTNNC RETAIL NRNR COMPUND INTT 11410

87 RTNNQ RETAIL NRNR QUARTERLY PAYOUT 11410

88 RTNNM RETAIL NRNR MONTHLY PAYOUT 11410

89 RTFCC RETAIL FCNR COMPUND INTT 11510

90 RTRFC RETAIL RFC COMPUND INTT 11710

91 CTNOS CORP NRO SIMPLE INTT 11120

92 CTNOC CORP NRO COMPUND INTT 11120

93 CTNOQ CORP NRO QUARTERLY PAYOUT 11120

94 CTNOM CORP NRO MONTHLY PAYOUT 11120

95 CTNSS CORP NRSR SIMPLE INTT 11220

96 CTNSC CORP NRSR COMPUND INTT 11220

97 CTNSQ CORP NRSR QUARTERLY PAYOUT 11220

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99 CTNRC CORP NRE COMPUND INTT 11320

100 CTNRQ CORP NRE QUARTERLY PAYOUT 11320

101 CTNRM CORP NRE MONTHLY PAYOUT 11320

102 CTNNC CORP NRNR COMPUND INTT 11420

103 CTNNQ CORP NRNR QUARTERLY PAYOUT 11420

104 CTNNM CORP NRNR MONTHLY PAYOUT 11420

105 CTFCC CORP FCNR COMPUND INTT 11520

106 CTRFC CORP RFC COMPUND INTT 11720

INTERBANK

107 BTISS INTERBANK SHORT TERM SIMPLE INTT 12110

108 BTISC INTERBANK SHORT TERM COMPOUND INTT 12110

109 BTISQ INTERBANK SHORT TERM QUARTLY PAYOUT 12110 110 BTIMC INTERBANK MEDIUM TERM COMPOUND INTT 12120 111 BTIMQ INTERBANK MEDIUM TERM QUARTLY PAYOUT 12120

112 BTILC INTERBANK LONG TERM COMPOUND INTT 12130

113 BTILQ INTERBANK LONG TERM QUARTLY PAYOUT 12130

114 BTICD INTERBANK CDs 12140

INSTITUTIONS

115 ITTSS INSTITUTION SHORT TERM SIMPLE INTEREST 12610 116 ITTSC INSTITUTION SHORT TERM COMPOUND INTEREST 12610 117 ITTSQ INSTITUTION SHORT TERM QUARTERLY PAYOUT 12610 118 ITTSM INSTITUTION SHORT TERM MONTHLY PAYOUT 12610 119 ITTMC INSTITUTION MEDIUM TERM COMPOUND INTEREST 12630 120 ITTMQ INSTITUTION MEDIUM TERM QUARTERLY PAYOUT 12630 121 ITTMM INSTITUTION MEDIUM TERM MONTHLY PAYOUT 12630 122 ITTLC INSTITUTION LONG TERM COMPOUND INTEREST 12650 123 ITTLQ INSTITUTION LONG TERM QUARTERLY PAYOUT 12650 124 ITTLM INSTITUTION LONG TERM MONTHLY PAYOUT 12650

125 ITTCD INSTITUTION CDs 12670

FLOATING RATE

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130 CTFLB CORP FLOATING RATE 91D-12M 10860

131 TTFLB TREASURY FLOATING RATE 91D-12M 10870

FFD SCHEMES SHORT TERM

132 RFCSS RETAIL CLIENT FFD SHORT TERM SIMPLE INTT 10500 133 RFCSC RETAIL CLIENT FFD SHORT TERM COMPOUND INTT 10500 134 RFSSS RETAIL STAFF FFD SHORT TERM SIMPLE INTT 10500 135 RFSSC RETAIL STAFF FFD SHORT TERM COMPOUND INTT 10500 136 CFCSS CORP CLIENT FFD SHORT TERM SIMPLE INTT 10540 137 CFCSC CORP CLIENT FFD SHORT TERM COMPOUND INTT 10540

MEDIUM TERM

138 RFCMC RETAIL CLIENT FFD MEDIUM TERM COMPOUND INTT 10600 139 RFSMC RETAIL STAFF FFD MEDIUM TERM COMPOUND INTT 10600 140 CFCMC CORP CLIENT FFD MEDIUM TERM COMPOUND INTT 10640

LONG TERM

141 RFCLC RETAIL CLIENT FFD LONG TERM COMPOUND INTT 10700 142 RFSLC RETAIL STAFF FFD LONG TERM COMPOUND INTT 10700 143 CFCLC CORP CLIENT FFD LONG TERM COMPOUND INTT 10740

NRI DEPOSITS

144 RFNOS RETAIL NRO FFD SIMPLE INTT 11110

145 RFNOC RETAIL NRO FFD COMPUND INTT 11110

146 RFNSS RETAIL NRSR FFD SIMPLE INTT 11210

147 RFNSC RETAIL NRSR FFD COMPUND INTT 11210

148 CFNOS CORP NRO FFD SIMPLE INTT 11120

149 CFNOC CORP NRO FFD COMPUND INTT 11120

150 CFNSS CORP NRSR FFD SIMPLE INTT 11220

151 CFNSC CORP NRSR FFD COMPUND INTT 11220

152 CFBSS CORP SFD BULK SIMPLE INT 10540

153 CFBSC CORP SFD BULK QTLY COMP 10540

154 CFGSS CORP SFD GOVT SIMPLE INT 10540

155 CFGSC CORP SFD GOVT QTLY COMP 10540

156 TTBSQ TRY STD BULK QTLY PAYOUT 10580

157 CFBMC CORP MFD BULK QTLY COMP 10640

158 CFGMC CORP MFD GOVT QTLY COMP 10640

159 CTBMM CORP MTD BULK MTLY PAYOUT 10640

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162 CFBLC CORP LFD BULK QTLY COMP 10740

163 CFGLC CORP LFD GOVT QTLY COMP 10740

164 CTBLM CORP LTD BULK MTLY PAYOUT 10740

165 TTBLM TRY LTD BULK MTLY PAYOUT 10680

166 TTBLQ TRY LTD BULK QTLY PAYOUT 10680

167 RFNNC RET NRNR FFD SIMPLRE INT 11410

168 BTMHC INTERBANK MED TERM HALF YRLY COMP 12120

169 BTMHP INTERBANK MED TERM HALF YRLY PAYOUT 12120

170 BTLHC INTERBANK LONG TERM HALF YRLY COMP 12130

171 BTLHP INTERBANK LONG TERM HALF YRLY PAYOUT 12130

172 IFTSS INST SFD SIMPLE INT 12610

173 IFTSC INST SFD QTLY COMP INT 12610

174 IFTMC INST MFD QTLY COMP INT 12630

175 IFTLC INST LFD QTLY COMP INT 12650

176 RTBSM RET STD BULK MTLY PAYOUT 10500

BANK MASTER SCHEMES

177 RZCSS CLIENT SIMPLE INT-RETAIL 10500

178 RZCSC CLIENT QTLY COMP-RETAIL 10500

179 RZCSQ CLIENT QTLY PAYOUT-RETAIL 10500

180 CZBSS BULK SI- CORP 10540

181 CZBSC BULK QTLY COMP-CORP 10540

182 CZBSQ BULK QTLY PAYOUT-CORP 10540

183 CZCSS CORP SIMPLE INT 10540

184 CZCSC CORP QTLY COMP 10540

185 CZCSQ CORP QTLY PAYOUT 10540

186 BZISS INTERBANK SIMPLE INT 12110

187 BZISC INTERBANK QTLY COMP 12110

188 BZISQ INTERBANK QTLY PAYOUT 12110

189 RZSSS STAFF SIMPLE INT 10500

190 RZSSC STAFF QTLY COMP 10500

191 RZSSQ STAFF QTLY PAYOUT 10500

192 CZGSS GOVT SIMPLE INT 10540

193 CZGSC GOVT COMP INT 10540

194 CZGSQ GOVT QTLY PAYOUT 10540

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198 CZBMQ BULK QTLY PAYOUT 10640

199 CZCMC CORP QTLY COMP 10640

200 CZCMQ CORP QTLY PAYOUT 10640

201 BZIMC INTERBANK QTLY COMP 12120

202 BZIMQ INTERBANK QTLY PAYOUT 12120

203 RZSMC STAFF QTLY COMP 10600

204 RZSMQ STAFF QTLY PAYOUT 10600

205 CZAMC AGRI QTLY COMP 10640

206 CZAMQ AGRI QTLY PAYOUT 10640

207 CZGMC GOVT QTLY COMP 10640

208 CZGMQ GOVT QTLY PAYOUT 10640

LONG TERM

209 RZCLC CLIENT QTLY COMP 10700

210 RZCLQ CLIENT QTLY PAYOUT 10700

211 CZBLC BULK QTLY COMP 10740

212 CZBLQ BULK QTLY PAYOUT 10740

213 CZCLC CORP QTLY COMP 10740

214 CZCLQ CORP QTLY PAYOUT 10740

215 BZILC INTERBANK QTLY COMP 12130

216 BZILQ INTERBANK QTLY PAYOUT 12130

217 RZSLC STAFF QTLY COMP 10700

218 RZSLQ STAFF QTLY PAYOUT 10700

219 CZALC AGRI QTLY COMP 10740

220 CZALQ AGRI QTLY PAYOUT 10740

221 CZGLC GOVT QTLY COMP 10740

222 CZGLQ GOVT QTLY PAYOUT 10740

NRI DEPOSITS

223 RZNOS NRO SIMPLE INT-PERSONAL 11110

224 RZNOC NRO QTLY INT-PERSONAL 11110

225 RZNOQ NRO QTLY OUTFLOW-PERSONAL 11110

226 CZNOS NRO SIMPLE INT-OTHERS 11120

227 CZNOC NRO QTLY INT-OTHERS 11120

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229 RZNSS NRSR SIMPLE INT-PERSONAL 11210 230 RZNSC NRSR QTLY INT-PERSONAL 11210 231 RZNSQ NRSR QTLY OUTFLOW-PERSONAL 11210 232 CZNSS NRSR SIMPLE INT-OTHERS 11220 233 CZNSC NRSR QTLY INT-OTHERS 11220 234 CZNSQ NRSR QTLY OUTFLOW-OTHERS 11220 235 RZNNC NRNR QTLY INT-PERSONAL 11410 236 RZNNQ NRNR QTLY OUTFLOW-PERSONAL 11410 237 CZNNC NRNR QTLY INT-OTHERS 11420 238 CZNNQ NRNR QTLY OUTFLOW-OTHERS 11420

239 RZNRC NRE QTLY INT-PERSONAL 11310

240 RZNRQ NRE QTLY OUTFLOW-PERSONAL 11310

241 CZNRC NRE QTLY INT-OTHERS 11320

242 CZNRQ NRE QTLY OUTFLOW-OTHERS 11320

243 RZFCC FCNR –PERSONAL 11510

244 CZFCC FCNR –OTHERS 11520

245 RZRFC RFC –PERSONAL 11710

246 CZRFC RFC –OTHERS 11520

247 RZMIB RETAIL MIBID 10810

248 CZMIB CORP MIBID 10820

249 TZMIB TRY MIBID 10830

250 RZCDI RETAIL CD 10910

251 CZCDI CORP CD 10920

252 TZCDI TRY CD 10930

253 RZEEF RET EEFC A/C 11610

254 CZEEF CORP EEFC A/C 11620

255 RVCMC GOLDEN YEARS MED TERM PLAN 10600

256 RVCLC GOLDEN YEARS LONG TERM PLAN 10700

257 RZFLA RETAIL FLOATING RATE 46D-90D 10850

258 CZFLA CORP FLOATING RATE 46D-90D 10860

259 TZFLA TREASURY FLOATING RATE 46D-90D 10870

260 RZFLB RETAIL FLOATING RATE 91D-12M 10850

261 CZFLB CORP FLOATING RATE 91D-12M 10860

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267 RRCSC RETAIL RD CLIENT SHORT TERM QTLY COMPOUNDING 10500 268 RRCMC RETAIL RD CLIENT MED TERM QTLY COMPOUNDING 10600 269 RRCLC RETAIL RD CLIENT LONG TERM QTLY COMPOUNDING 10700 270 RRSSC RETAIL RD CLIENT SHORT TERM QTLY COMPOUNDING 10500 271 RRSMC RETAIL RD CLIENT MED TERM QTLY COMPOUNDING 10600 272 RRSLC RETAIL RD CLIENT LONG TERM QTLY COMPOUNDING 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 -

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1. Function ‘O’ - Comes by default 2. Customer ID Enter customer ID

3. Currency code INR – comes by default 4. GL subhead code Skip

5. Scheme code Select from F2 . 6. Permanent a/c no Skip

7. Copy account no Skip

1.4Press F4

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1.6 Press F4

1.7Enter relevant details -

1. Acct name Comes by default

2. Acct short Name Comes by default 3. Account Open date Comes by default 4. Special charge code Skip

5. Mode of Operation E or S etc select from F2

6. Location code Skip

7. Account manager Skip

8. Cash/clg/trf Exception limit Comes by default 9. Account report code Comes by default

10. Ledger No Skip

11. Collect Charges Comes by default 12. Turnover details Comes by default

13. Relative to staff If relative of a staff member enter “Y”

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of the related staff

15. Remarks Enter additional information if required

1.8Press F6

1. Passbook/Statement Type ‘R’ for FD receipts

2. Local calendar Skip

3. Dispatch Mode Skip

4. Next print date Skip

5. Freeze code & Freeze reason Skip

6. Pay interest Comes by default

7. Collect interest Comes by default

8. Customer Pref Intt (Cr.) Will default from Customer records. (Normally this field will be skipped)

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customer preferential rate. (Normally this field will be skipped)

10. Intt credit account No Skip for qtrly compounding and enter a/c no for qtrly or monthly payout scheme.

11. Intt rate code Comes by default

12. Account Peg Comes by default

13. Customer Pref Intt (Dr.) Skip 14. Account Pref Intt (Dr.) Skip

15. Intt debit flag Skip

1.10 Press F6

1.11 Input details as mentioned below - 1. Contact Phone No Enter Tel no

2. DDA maintenance Skip

3. Intt Calc Freq Cr. Skip 4. Next intt calc date Cr. Skip 5. Intt Calc Freq Dr. Skip 6. Next intt calc date Dr. Skip

7. TDS Operative a/c If the customer wishes, enter operative a/c (SB or CA) from where TDS is to be deducted

8. Language Code Select from F2 9. Name in lang code Select from F2

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1.12 Press F4

1.13 Enter S in the Enter Option field to go the Scheme Details –

1.14 Input details as mentioned below - 1. Deposit Type Comes by default 2. Dep/Instl Amt Enter deposit amount 3. Deposit Period Enter deposit period

4. Value date Enter value date

5. Maturity date Skip

6. Spl Catgr Indicator Select from F2 7. Availing Nomination Facility Yes or No 8. Print Nominee Name Yes or No

9. Loan A/c No Skip

10. Repayment A/c No Skip

11. Maturity Value Skip

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1.15 Press F6

1.16 Input details as mentioned below -

1. Auto Closure Skip

2. Auto renewal Defaults to ‘U’ (unlimited), can be changed to ‘N’ (none) or ‘L’ limited 3. Max renewal allowed If entered ‘L’ above, enter no. of times

renewal allowed otherwise skip. 4. Renewal period allowed Comes by default, can be changed 5. Auto renewal GL subhead code Comes by default

6. Auto renewal scheme code Comes by default 7. Auto renewal Intt table code Comes by default

8. Renewal currency Skip

9. Renewal rate code Skip

10. Renewal rate Skip

11. Intt on TDS required Comes by default 12. Agent/Employee Ind. & Code Skip

13. Regularise lien amt on maturity Enter ‘Y’ if loan against FD to be adjusted on maturity

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1.17 Press F4 and then type ‘F’ in the menu option to view the flow details

(51)

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 –

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1.21 Enter relevant details -

14. Nominee’s Name Enter nominee’s name 15. Relationship Select from F2

16. Address Enter nominee’s address

17. Reg No. Comes by default

20. Country Code Select from F2

21. Nominee Minor? Y or N

22. Guardian’s Name If nominee is minor, enter guardian’s name

23. Address Enter Guardian’s Address

26. Country code Select from F2 1.22 Press F4

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.

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1.24 Enter relevant details -

1. Relation Type Select from F1 2. Relation Code Select from F2 3. Dispatch Mode Select from F2 4. Designation Code Select from F2

5. Customer ID Enter Customer ID of the joint a/c holder

6. Name/Address/Tel No/Fax No/Tlx

No/ Email ID Comes by default

7. Start Date Enter the date from when the joint a/c holder can operate the a/c

8. End Date Enter the date till when the joint a/c holder can operate the a/c

9. Amount 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.

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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.

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2.0 Verification of Accounts

2.1Go to Menu Option.

2.2Enter OAACAU – the following screen will appear –

2. Temporary a/c no 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

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1. Function Enter ‘A’ and press F4

2. Type Enter C for cash/T for transfer

3. Subtype Select from F2

4. A/c No Enter the FD a/c no for cash and Debit account number for Transfer.

5. Amount Enter the FD amount

6. Next Field (adjacent to the amt

field. Enter ‘C’ for credit or ‘D’ for debit 7. Narration field Enter narration

8. Inst type Skip

9. Inst no Skip

10. Value date Skip

12. Ref no Skip

13. Visit Screen Skip

14. Inst Date Skip

15. Print Advice Skip

16. Report code Skip

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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.

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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.

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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

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1. Function V for verification

2. Tran Id 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.

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5.0 Closure of Fixed Deposits Accounts

5.1Go to Menu Option and Enter CAAC -

5.2Input details as mentioned below –

1. Function Enter ‘Z’

2. A/c No 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

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5.4Only two fields have to be entered - 1. Closure Remarks Enter narration 2. Penal Int for full period Enter ‘Y’

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5.6The next step after closing the account is to calculate the TDS if any. Enter Option - TDSCALC.

The following screen will appear –

1. Report to Manager

2. Start A/c No Enter the a/c no.

3. TDS on Paid/Accrued intt Enter P

4. Adhoc run? Enter N

Rest of the other fields need not be filled. 5.8Press F4

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5.9Input details as mentioned below - 1. Fore/Background? Enter ‘F’

2. Print Required? Enter Y if print reqd immediately, else N 5.10 Press F10

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6.2Enter FD a/c no in both fields as indicated above and Press F4 and the following screen will appear -

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(67)

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

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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, Traveller’s 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 Id’s for transfer of Inventory from Corporate Office to Branch Double Lock. The custodian and the supervisory official will put their respective user ID’s.

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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 3rd_{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.

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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:

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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:

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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.

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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 Employee’s 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

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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.

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2. Input details as mentioned below:

1. Function Enter I and press F4

2. A/c Number Enter the account number and press F4 3. Cheque Type Enter the type of cheques

4. Issue date Enter the date of issue dd/mm/yy press F4

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4. Scroll down to the appropriate cheque book by using CTLL + 

5. Select the cheque book by using SHIFT + F4 6. Press F 10

7. If any other cheque book is to be issued enter the account number and repeat the above steps till all are finished

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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 Enter V and press F4

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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.

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STOP PAYMENT OF CHEQUES

1. Go to the menu option SPP. The following screen will appear.

2. Input the following details:

1. Function Enter S

2. A/C No Enter the account number for which the cheque is to be stopped. The time date etc comes automatically

3. Payee’s Name Enter the name of the payee

4. Cheque date Enter the date of the stopped cheque 5. Cheque Amt Enter the amount of cheque if known 6. Reason code Enter the reason code by selecting from

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4. The charges default to the normal level. You may change the charges if required. 5. Press F4 and F10.

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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 Enter V

2. A/C No Enter the account number for which the cheque has been stopped. The time date etc comes automatically

3. Payee’s Name Verify the name of the payee

4. Cheque date Verify the date of the stopped cheque 5. Cheque Amt Verify the amount of cheque if known 6. Reason code Verify the reason code

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4. Verify the charges. Press F4 and F10. If you are collecting some charges the following screen will appear.

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5. Note down the Tran Id on the voucher.

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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 For Adding Standing instructions

2. SI Class Input ‘C’ for Customer induced or ‘B’ for Bank Induced

3. Cust Id Input Customer ID

4. Execution details for SI frequency Valid frequency are ‘D’ Daily, ‘W’ weekly, ‘F’ Fortnightly, ‘M’ Monthly, ‘Q’ Quarterly, ‘H’ Half-yearly, ‘Y’ Yearly.

5. Execution time Valid values are ‘B’ Beginning of Day, ‘D’Anytime during Day, ‘A’ after business hours and ‘E’ Every time.

6. Next execution date Specify when next SI is to be executed.

7. Autopost Input Y

8. End date Input when SI is to be ended.

9. Suspended upto Input the date upto which the SI is to be suspended upto.

10. Charge details Predefined for SI acceptance it is ‘SIACPE’. For failure and execution no charges are levied.

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13. A/c condition (optional) account

no. Input target account no for applying target conditions SI will be executed only if target conditions are met.

14. A/c balance Input balance for verifying execution of SI 15. Balance indicator ‘D’ debit balance or ‘C’ credit balance. 16. Excess/short Ind ‘E’ excess or ‘S’ short.

17. Failure processing delete part tran

if not posted. Input Y for deleting. 18. Carry forward if yes max times Input valid values

19. Remarks Input free text.

20. Closure remarks Input free text.

21. Statistics System generated.

2. Press F4 to go to next page which is as under screen (no1.2):

Screen 1.2

1. Option field Valid value is E for enter.

2. Amount indicator Valid values are ‘F’ fixed, ‘C’ for contra balancing, ‘V’ variable and ‘T’ for table code.

3. Part tran type ‘D’ debit and ‘C’ for Credit.

4. Create Memo pad entry Valid values are ‘Y’ for yes and ‘N’ for no 5. Currency Input from list available.

6. Fixed amount condition Enter fixed amount if indicator is ‘F’ in amount indicator.

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Account no., account balance, amount multiple, in excess/short and percentage

amount in multiples of , excess/short and what percentage of excess/short to be transferred.

8. Table code condition amount table

code List available for table code.

3. Enter the relevant details and press F4 the following screen (no 1.3) is displayed:

1. Account no Input account no

2. Amount indicator Populated from earlier field where indicated as ‘F’ for Fixed indicator. 3. Percentage Input percentage as required

4. Amount Input amount

5. Round off indicator Valid values are H highest, L lowest and N for nearest.

6. Value of round off Enter amount to which rounded to.

7. Rate code List available

8. Report code List available

9. Intent code List available

10. Reference number Enter valid reference number. 11. Reference Reference number if any.

12. Remarks Remarks if any

13. Coll charge 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

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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.

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Screen no. 1.5

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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

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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 Zone Code Description HV High Value IB InterBank MICR Micr

DW 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.)

NMICR1 Non MICR Clg 1 (Manual Clearing) NMICR2

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)

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 there are only three commonly used menus to process Outward cheques :

A) OCTM (functions : A , V)

B) MCLZOH (functions : O , S , R , G , T ) C) MARKPEND

Menu Option Menu Option

OCTM A (Add Chq) MCLZOH O (Open zone) OCTM V (Verify Chq) MCLZOH S (Suspend zone)

MCLZOH

R (Release to Shadow)

MARKPEND (Withhold Clearance) MCLZOH

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 :

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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 Clg’s where credit is received from RBI on the same date as that of lodgement).

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High Value : credit received from the RBI on the same day itself hence zone date will be 01/02/01.

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 client’s 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 :

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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 :

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(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 function V .

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).

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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.

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* 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

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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 is under shadow balance etc, whether regularized or not.

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Inquiry on the basis of set numbers : IOCLS. This option gives the following details :

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

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

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OIQ : Instrumentwise Inquiry This option gives the foll. details :

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REPORTS:

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