CBS Navigation Menu

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INDEX

S.NO.

TOPIC

PAGE

NO.

1 CIF CREATION

2

2 DEPOSIT ACCOUNTS

3

3 POSTING RESTRICTIONS, HOLDS, STOPS, ETC.

8

4 TRANSACTION POSTING

9

5 CLEARING MODULE

9

6 CASH

11

7 VALUABLE PAPER INVENTORY SYSTEM (VPIS)

13

8 BRANCH GENERAL LEDGER (BGL)

14

9 USER MAINTENANCE/ ADMINISTRATION

16

10 REMITTANCES (DD/BC/TT/GC/TC)

11 COLLECTIONS AND CHEQUE PURCHASE

12 MISCELLANEOUS

20

13 LOAN MODULE IN CBS

23

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01.01 CREATION OF CUSTOMER: PERSONAL – PUBLIC/STAFF

'Customer Management' → Create→Create Personal Customer

01.02 CREATION OF CUSTOMER: NON-PERSONAL

'Customer Management' → Create→Create Non-Personal Customer

01.03 CUSTOMER MODIFICATIONS OR AMENDMENT IN

CUSTOMER’S DETAILS

Customer Management  Amend  Customer Details

.

The next field is ‘Option’. The drop down here offers the following options for modification are available:

1: Customer details

2: Temporary Customer Address details 3: Foreign address details.

4: Identification details (For amending KYC details of customer)

5: Personal details

6: Business details 7: Marketing details 8: Financial details 9: Miscellaneous details 11: Customer CISLA details

01.04 CUSTOMER ENQUIRIES (This enquiry is useful to get all

accounts of one customer)

Customer Management  Enquiries  Search by CIF Number

01.05 SEARCH CAN BE MADE USING OTHER INFORMATION ALSO

AS BELOW:

Customer Management  Enquiries  Search by ID Number Customer Management  Enquiries  Search by Name

01.06 SEARCH CAN ALSO BE MADE USING

Fourth icon from left on Icon Bar AND ALSO Clicking on Search Button wherever input of Customer number of account number is required

01.07 SEARCH BY MATURITY DATE

:

Customer Management  Enquiries  Search by Maturity date

01.08 ASSOCIATED ACCOUNTS

Customer Management  Relationship/Ownership  Associated accounts

Brief description of the options is as under

0: Linked Accounts-Display of all linked accounts of a customer. 1: Owned Accounts-Display of all Owned accounts of a customer. 4: Marketing Data- Displays Marketing Channel for the customer.

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5:Account Holder- Displays CIF number/Names of all Holders of a

account

.

6:Gaurantor Accounts-Displays guarantors of a account. 7:Treasury-Disabled.

9:All Accounts-all accounts of a customer are displayed.

A: Customer details-customer details of the account/customer are displayed B: Financial details-displays financial details of a customer.

C: Internet banking account- displays Internet banking accounts of a customer.

T: Tax file Number-Disabled

CIF Number, Customer Name, Branch Number, Date of birth of customer are displayed.

01.09 Linking of a Customer as Introducer/Nominee to another

Customer/Account

:

Customer Management → Relationship/Ownership → Relationships

In the field Entity following CIF/Account number choose ‘Customer information Master’(Where CIF No.used)/’All account based entity’(Where A/C No, used)

01.10 Setting up of Joint account

:

Step 1. Link account :: Customer Management→Amend→Link CIF to Account

(Against Primary System: Enter CIF and Against Link Indicator: Select CIF Link)

Step 2.Change Name :: Deposit/CC/OD Accounts & Services  Amend  Deposit CC/OD account {Option = Account names}

Step 3.Mode of operation :: Deposit/CC/OD Accounts & Services 

Amend  Deposit CC/OD account {Option = Mode of operation}

===============================================================

02.DEPOSIT ACCOUNTS

02.01 Opening of a Saving/Current Account

Deposit/CC/OD Accounts & Services  Create  New Deposit A/c:

02.02 Opening of a TDR/STDR/RD/MODS/Saving Plus Account

Deposit/CC/OD Accounts & Services  Create  New Deposit A/c:

We get a tabbed five page screen. Apart from the first page ‘Core options’, we should also complete the third page ‘Term A/C options’.

MMDC =

TDR

RD

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Term Value

Amount

‘0’

Interest frequency

M.Maturity

A.Aniversary

M.Maturity

Monthly/quarterly

N.B. (1) In case of S.Plus the Interest options should be given as per the

sweep product (TDR/STDR/Mods etc.) and also leave the upper half of the

third page blank.

(2) In case of Mods and S.Plus, the authorizing officer should also complete the screen appearing beneath the queue authorisation scr

een.

(3) In case of RD, MODS and S.Plus the relevant fields on the third page ‘Term

A/C option’ should also be completed.

02.03 Opening of a ‘PPF’ Account (Transferred from non core

branch)

(i) Deposit/CC/OD Accounts & Services → Create → New Deposit A/c

Please note (i) Complete page 1 ‘core options’ as detailed below:

1

Fill in the original date of opening of the PPF account

.

2

Field ‘Bkdt Int Recalc Req’: select ‘Y:Yes’ from the Drop Down Box

.

3‘Acct Sgmt Code’ .

Select ‘5006: PER - OTHERS {NOT INCL. (IN

PER) ABOVE.

Now go the page 4 of the tabbed screen ‘Govt/PPF/Credit Card details’. There are 5 Fields in a menu under the heading ‘PPF Back Dated Acc Opening’.

(ii) Deposit/ CC/ OD Accounts & Services → Amend → Deposit/ CC/ OD Account

In the Field ‘Option’: select the option ‘P: Backdated PPF Details’.

Here we have to input balances in the PPF account as on previous six 31 March

.

02.04 Deposit Account Modification

OPTION (a):

Deposit/CC/OD Accounts & Services → Amend → Deposit/CC/OD Account

The next field is ‘Options’. The drop down here offers the following options: 1: Account details. Almost all the details (except the product related) details. 2: A/c Corresp. Address Details. Useful for setting up a separate correspondence address for the account.

3: Customer Language A/c Address Det/l. Presently since only one language is supported by the system, this option is non-functional.

4: Overdraft Details. Relevant only for Overdraft accounts

5: Account Names. To assign both a short as well as a set of long names. 6: Bonus Interest Details. This option is presently not being used.

7: Posting Restrictions. Maintain Posting Restrictions.

8: Reporting Restrictions. Certain type of Reporting masks can be put in place.

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9: Account Type/Home Branch. For changing the product parameters as well as the defined home branch of an account.

10: TDS Details. Not currently in use.

A: Annuity Maturity Details. Applicable only for Annuity cases. B: Mode of Operation.

C: Back Dated RD details. Relevant only for RD accounts. P: Backdated PPF Details. Relevant only for PPF accounts. R: Transfer to PB/RD. Currently not in use.

OPTION (b

): Deposit/CC/OD Accounts & Services → Amend → Amend Deposit Tabbed Screen

Any of the fields in any of the five-tabbed screens can be amended. This is useful if a large number of amendments have to be done

.

02.05 Cheque Book Issue

Step 1: Personalisation :: Cheque Book Functions → Cheque Book Operations → Cheque Personalisation

Step 2: Cheque Book Order:: Cheque Book Functions → Cheque Book Operations → Cheque Book Order

Step 3: Issue Cheque Book:: Cheque Book Functions → Cheque Book Operations → Issue Cheque Book

02.06 Stop Payments of cheque

Cheque Book Functions → Set Stop Cheque

02.07 Modify/ Remove Stop Payments

Cheque Book Functions → Modify/Remove Stop Cheque

02.08 Set/Remove Cheque facility

Cheque Book Functions  Stop Cheques  Set/Remove Cheque Facility

02.09 Cheque Books Enquiry

Cheque book functions-> Enquiries->Cheque books by cheque book-numbers

02.10 Closure/ Premature Closure of Deposit Accounts (Credit

Balances)

Transaction Posting  Deposit/ CC/OD Account Closures  Closures (Credit Balance)  Transfer

(In case it is a premature payment, override screen will appear and supervisor’s ID/password will be given thereon)

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02.11 Printing Statement of Account for a Deposit or CC/ OD

Deposit CC/ OD Accounts & Services Enquiry Statement Print

02.12 Statement Request

Deposit CC/ OD Accounts & Services Enquiry Statement Request

02.13 Print Balance Slip

Deposit CC/ OD Accounts & Services Enquiry Print Balance Slip

02.14 DEPOSIT ACCOUNT ENQUIRY(SHORT)

Deposit CC/OD/ Account and ServicesEnquiriesShort

Brief Description of Options available on the screen

1.Normal Details

- Displays all details of an account.

2.Overdraft Details

- To be used for CC OD accounts

.

3.Accumulated Charge details

-To be used to know about accumulated charges on the account

.

4.Account Statistics details-

To be used for statistical analysis of an account.

5.Account Periodic Balances

-Gives Monthly balances Held in an account

.

NOTE: Enter “1” in Display1 for display of Minimum Monthly Cleared

Balances

Enter “2” in Display 2 for display of Minimum Monthly Book Balances

6.Debit and Credit Balances

: To be used to enquire about Debit Credit Summation for CC accounts

NOTE: Enter financial year starting from April in the “Year:” field.

(SCR:00400)

7.Govt Enquiry:

To be used for enquiry regarding Primary and Secondary Govt Accounts.

02.15 LONG ENQUIRY

:

Deposit CC/OD Account and ServicesEnquirieslong

Returns “SCR:32001:Deposits Long Enquiry” It displays Normal details of an account along with details of last five transaction.

02.16 TRANSACTION ENQUIRY

:

Deposit CC/OD/ Account and ServicesEnquiriesTransaction

Select “transaction of this Type” as per the requirement

.

Brief Description of Mostly Used Transaction types

Transaction

Type

Transaction Name

Purpose

99

All Financial For display of Financial transaction only

98

All Cash Transaction For display of cash transactions only.

25

Repayment details For display of repayment transaction in

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of CC/OD CC/OD A/Cs

30

Stop Transaction For display of Stop applied/removal transaction on an account .

31

Hold transaction For display of Hold(Lien)

applied/removal transaction on an A/C.

33

Message Details For display of Message

Setting/Removal transaction on an A/C.

34

Dishonoured

Cheque Details For details of dishonoured cheque in an account

40

Term Maturity

Details To be used for Term Deposit Accounts.

62

Closure Interest

Adjustment To be used to enquire about closure transactions.

82

Fee exemptions For details of Fee exemptions given on

an account.

90

Dormant account

Narrative For details regarding Dormancy of an account.

02.17 CORRECTION

All transactions could be corrected (UNDO) in Bancs24 , where on using correction menu original entry is reversed and later correct entry may be posted into the system. This function can be used only on the same day before EOD.

NOTE: Trace Number is the Host Trace No. which could be found out through transaction enquiry in the account or through journal enquiry.

02.18 Pending Charge

This option is used when some charge is to be tagged manually for recovery from the account

CC/OD ACCOUNT SERVICESCREATEPENDING CHARGE

02.19 TO ENQUIRE ABOUT PENDING CHARGE

CC/OD ACCOUNT SERVICES  AMEND  PENDING CHARGE

Display of Charge amount, status, date and time is displayed

.

02.20 Print New Pass Book

Deposits CC/OD accounts->Passbook UpdatesPrint New Passbook pass book

02.21 Update Deposit Passbook

Deposits CC/OD accounts->Passbook UpdatesUpdate deposit passbook

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(Precondition:-Passbook must be authorized)

02.22 Reprint Passbook

This option is to be used to reprint the passbook in case it is improperly printed

.

Deposits CC/OD accounts->Passbook UpdatesReprint Passbook

(Precondition:-Passbook must be authorized)

02.23 Print Duplicate Passbook

Deposits CC/OD accounts->Passbook UpdatesPrint Duplicate Passbook

Print cover only will be by default “Y”. Put Passbook No as “1” Insert “5” in Group field and click on send to group.

02.24 Term Deposit Advice

This menu is used for printing Term Deposit advices.

Deposit CC/OD accounts Services  Enquiries  Term Deposit Advice =============================================

03. POSTING RESTRICTIONS, HOLDS, STOPS,

ETC

.

03.01 Posting Restrictions at Account Level

Deposit/CC / OD Accounts & Services  Amend  Deposit/CC/OD Account

Options: Select 7: Posting Restrictions

03.02 Setting Stop/Holds(Lien)/Messege on an account

:

1.Deposit/CC/OD Accounts & Services  Stops / Holds (Lien) / Messages  Set Hold / Lien.

2.Deposit/CC/OD Accounts & Services  Stops / Holds (Lien) /

Messages Remove Hold/Lien.

3.Deposit/CC/OD Accounts & Services  Stops / Holds (Lien) / Messages  Set Stop On Account.

4.Deposit/CC/OD Accounts & Services  Stops / Holds (Lien) / Messages  Remove Stop On Account

5.Deposit/CC/OD Accounts & Services  Stops / Holds (Lien) / Messages  Set Message

6.Deposit/CC/OD Accounts & Services  Stops / Holds (Lien) / Messages  Remove Message

(Transaction enquiry menu to be used for searching Journal No. and other details of the Hold/Stop transaction.

03.03 Setting up of a Standing Order:

Deposit/CC/OD Accounts & Services  Sweeps/Standing Orders  Create Standing Order

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03.04 Removal / Modification of Standing Order

:

Deposit/CC/OD Accounts & Services  Sweeps/Standing Orders  Create Standing Order

(Enter Capital 'S' in the Enquiry/Amend Standing

Order )

03.05 Creation of a Sweep:

Deposit/CC/OD Accounts & Services  Sweeps/Standing Orders  Create Sweep

03.06 Amend / Deletion of Sweep

:

Deposit/CC/OD Accounts & Services  Sweeps/Standing Orders Amend / Enquire Sweeps.

=============================================

04.TRANSACTION POSTING

04.01 Cash Payment from DEPOSIT Account by Voucher

:

Transactions posting  Deposit/CC/OD Accounts  Payments  Cash

04.02 Cash Receipts into Deposits Account:

Transactions Processing  Deposits/CC/OD Accounts  Receipts  Cash

04.03 Cash Payment by Cheque from Deposit Account

Transactions Posting  Deposits/CC/OD Accounts  Payments  Cheque

04.04 TRANSFER by Cheque from Deposit Account

Transactions posting  Deposit / CC / OD Accounts  Transfers  By Cheque to Deposit

04.05 Transfer Transaction in Deposit Account by Voucher

Transactions Processing  Deposit/CC/OD Accounts  Transfers

 By Voucher to Deposit/ Loan

04.06 Batch Transactions – Transfer Batch

Batch Transactions  Batch Entry Screen

(In function field choose appropriate option)

1.Field ‘Check for Supervisor Overrides’:

Click in the box (This will enable Supervisor overrides and facilitate for on-line authorisation by the supervisor for each transaction, wherever needed).

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down menu.

===============================================================

05.CLEARING MODULE

05.01 Outward Clearing

:

Session in CBS = Clearing Type + Clearing Date

Lodging Date

:

date on which instruments are being lodged; normally it is the System Date and also the customer’s account is credited on this date.

Posting Value Date

:

This is the effective date of credit (Amount eligible for interest calculation) and Cheques would be presented in Clearing House

Clearing Date

:

this is the date on which a particular Batch would be cleared or Customers’ uncleared balance will move to clear balance on this date)

Various entries to be passed in Core Banking under Outward Clearing are:

At the time of Lodging:

1. Dr. Outward Clearing Suspense(98544) A/c and Cr. Customer A/c (Unclear Funds

) (System-generated, Transaction.)

On the day of Realisation:

2. Dr. Br Clg Gen A/C(98611)(Sch No 4) Cr. Outward Clearing Suspense A/c.

(Manual Entry)

When a Cheque is returned:

3. Dr. Customer A/c and Cr. Outward Clearing Suspense A/c and also Dr. Customer A/c and Cr. Commission A/c(Returning charges, if any)

(Both are system-generated entry)

4

. Dr. Outward Clearing Suspense A/c and Cr. Br Clg Gen A/c

(Manual Entry)

05.02 Flow of Activities in Outward Clearing

Stage I: Session Opening ::

Clearing  Outward Clearing  Session

Maintenance (Action = Open

session

)

Stage II: Cheque Deposit

:: Clearing  Outward Clearing  Cheque Deposit

Stage III: Close Session ::

Clearing  Outward Clearing  Session Maintenance

(Action = Closes session)

Stage IV: Extraction ::

(Action = Extract)

Stages to be performed on the receipt of TR advice (Day 2 or Day 3):

Stage V: Mark Return

:: Clearing  Outward Clearing  Mark Return

Stage VI: Clear Batch ::

(Action = Clear Batch)

05.03 Report

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Bank-wise reports)

Reports  Initiate request to HOST (SCR: 031239)

Report Ids : SY0324: Instrument type-wise lodged in Clearing, SY0325: Bank-wise instruments lodged in Clearing and SY0330 Bank wise slips

05.04 Holiday Processing: Menu

: Clearing -- Outward Clearing -- Holiday Processing

.

05.05 Enquires

Clearing  Outward Clearing  Enquiries  Clearing Session enquiry)

Clearing  Outward Clearing  Enquiries  Cheque enquiry

05.06 INWARD CLEARING:

(a) Menu: Batch transaction  Batch Entry Screen

Field ‘Function’: select

Inward Clearing Batch

Select: CAS: Manual Cheque Presentation for the

customer’s accounts or

select SCR:020071: Remittances (DD/BC/GC/TC) for

remittance payment

Various entries to be passed in Core Banking under Inward Clearing are:

At the time of Posting of cheque: 1. Cr. Inward Clearing Suspense

A/c(98543) and Dr. Customer A/c

(System-generated, Transaction.)(If

posted to a/c)

2. Dr. OLRR Suspence A/c(98557) and Cr. Inward clg. Susp.A/c

(System-generated, Transaction.)(If unable to post to a/c)

On receipt of TR: 2. Cr. Br Clg Gen A/C(98611)(Sch No 8) Dr. Inward Clearing Suspense A/c.

(Manual Entry)

(b) For failed instruments go to Batch search

::

Batch transaction  Batch Search

(c ) For OLRR enquiry go to

::

Clearing  Inward Clearing  Presentation  Online Rejection and referral Enquiry

To honour the Failed Instruments: Choose the User action as “ Manual

Posting” The system passes the entry for debiting the customer’s account and crediting to “OLRR –suspense account” (Reversal of OLRR entry)

05.07 To dishonor the Failed Instruments

:

Choose the User action field as “Dishonor” The System passes the entry for debiting the OLRR dishonor account (BGL account No. 978575) and reverses the OLRR Suspense account.

The user has to manually reverse the OLRR dishonor account with the Transfer Responding Advice or Counter Return Instrument.

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menu path is,

Clearing  Inward Clearing Dishonor Cheque Dishonor

.

It will debit the OLRR- Dishonor a/c and credit the Inward

Clearing Suspense account.

======================================================

06. CASH

06.01 Open/Close Cash Drawer

Transaction Posting->Cash Maintenance->Open/close Cash Drawer

06.02 Issue of cash by Custodian to Cash Officer

Cash vault transactions  Custodian to cash officer

06.03 Receipt of cash by Cash Officer

Transactions Posting  Cash Maintenance  Exchange Cash  Receive Cash from Teller

(Click on Refresh button)

06.04 Issue of Cash by Cash Officer to Teller

Transactions Posting  Cash Maintenance  Exchange cash  Issue Cash to Teller.

06.05 Receipt of Cash by Teller

Transactions Posting  Cash Maintenance  Exchange Cash  Receive Cash from Teller (Click on Refresh. Click on ‘Accept’)

06.06 Cash swap

Transactions Posting  Cash Maintenance  Cash Swap (Denomination Exchange

)

06.07 View Cash Drawer

Transaction Posting->Cash Maintenance->View Cash Drawer

Click on refresh button

06.08 Cash Officer to Custodian

Cash vault transactions  Cash officer to Custodian

06.09 Close Cash Drawer by Teller and Cash Officer

Transactions Posting  Cash Maintenance  Exchange Cash  Open and Close Cash Drawer

(Click on INR to select the currency. Click on

Reconcile Currency. The Currency reconciled status will become Yes. Now

click on Close Cash Drawer)

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06.10 To view position of cash drawers of all the users by the cash

officer

Reports  Cash Related  View Cash Summary (Click on Fetch)

06.11 Viewing Pending Cash acknowledgement

Reports  cash related  View Pending Cash Acknowledgment

06.12. Viewing Pending Cash transactions

Reports  cash related  View Pending Cash Transactions

06.13 Forced closure of cash drawer by cash officer

Cash Administration  Close Cash drawer by Cash Officer

06.14 Cash issue cancel by cash officer

Cash Administration  Cash issue cancel by Cash Officer

06.15 Acknowledgement of cash receipt by Custodian

Transactions Posting  Cash Maintenance  Exchange Cash  Receive Cash from Teller (Click on Refresh).

06.16 Closing of Cash by Custodian

Transactions Posting  Cash Maintenance  Exchange Cash  Open and Close Cash Drawer

06.17 Branch Reports

Branch Reports  Cash Officer's Jotting Book Report

First save all the 5 reports on the branch server and than print these reports. (Jotting Book Report I/Jotting Book Report II/ Vault Transactions Report/ Hand Balance Report/ Check total report)

06.18 Switching of Vault Teller

The Cash Officer should go thro this menu to effect the change in the system:

Cash Administration  Switching of Vault Teller

IMPORTANT - Please ensure that:

(a) both (Incoming/Outgoing) vault tellers are signed off and (b) The new vault teller MUST open his cash drawer as well as VPIS after the switch on the same day before EOD.

06.19 At the end of day, all Tellers take a print of the report of

their cash transactions.

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============================================= ====

07. VALUABLE PAPER INVENTORY SYSTEM

(VPIS)

07.01 Receipt of inventory by Vault Teller

VPIS  Inventory Maintenance

.

The Inventory

sub category for all cheque books are ‘01’ for ‘Order’ and ‘02’

for ‘Bearer’, and for Demand Drafts it is: 01 but for all others: same serial

number as appearing in category field

.

07.02 Release of Security Forms:

VPIS  Inventory Maintenance

.

Function should be amend and make the status as release.

07.03 Checking of inventory status:

VPIS  Enquiry of VPIS  General Enquiry

'

07.04 Issue/Acknowledgement of inventory to/by Teller

VPIS  Issue of Inventory

(for issue of inventory)

VPIS  Acknowledgement of Inventory by Teller(for acknowledgement

of inventory)

07.05 VPIS Batch Processing

VPIS  VPIS Batch Processing  VPIS Batch Prompt. (If the Vault

Teller want to issue/acknowledgement or return > 50 cheque books/security forms at a time.

07.06 Return of Inventory and acknowledgement of returned

inventory by Teller

VPIS  Return of Inventories.

Acknowledgement of Returned Inventories by Vault Teller

VPIS  Acknowledgement of Inventory by Teller

.

07.07 Lost/Damaged/Cancelled Inventory

VPIS  Lost/Damaged/Cancelled Inventories.

07.08 Unknown inventory

VPIS  Enquiry  General Enquiry

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07.09 VPIS Teller Level Enquiry

VPIS Enquiry of VPIS  Teller level Enquiry

07.10 Split/Merge Transaction For VPIS

This menu has been provided for splitting and merging of VPIS created at the Branch

.

VPIS Split/Merge transaction for VPIS

08. BRANCH GENERAL LEDGER (BGL)

08.01.Enquiry/Amend Branch Clearing Transactions

This option is used to generate Branch Clearing Schedule when the schedule is not generated while posting Branch clearing transactions.

Branch accounting (BGL)->Create/Amend-> Enquiry/Amend Branch Clearing transactions

08.02.BGL Account Enquiry

Branch Accounting (BGL)  Enquire  Account (SCR:032013

)

08.03.Account Number Search

Branch accounting(BGL)->Enquiry->Account Number Search

08.04.BGL Transaction Enquiry

Branch Accounting (BGL)  Enquire  Transaction

08.05.Branch Clearing Schedule Detail Enquiry

Branch Accounting (BGL)  Enquire  Branch Clearing Schedule Detail Enquiry

08.06.Branch Clearing Enquiry For Reconciliation

Branch Accounting (BGL)  Enquire  Branch Clearing Enquiry for reconciliation

08.07.Branch Schedule Total Enquiry

Branch Accounting (BGL)  Enquire  Branch Schedule total Enquiry

08.08.Transactions In BGL Account

:

This is used for crediting BGL accounts as in the case of Inward Cash Remittance.

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Branch Accounting (BGL)  Credits  Cash Posting

08.09.Cheque Deposit (Credit) In BGL Accounts.

Branch Accounting (BGL)  Credit  Cheque Deposit

08.10.Single Sided Credit Posting In BGL Accounts

.

This menu is to be used in exceptional cases.

Branch Accounting (BGL)  Credits  Credit Posting

08.11.Cash Posting (Debit) In BGL Accounts

.

This is used debiting BGL accounts through cash e.g.Outgoing Cash Remittance and for ATM cash replenishment.

Branch Accounting (BGL)  Debits  Cash

08.12.Single Side Debit Posting In BGL Accounts

This menu is to be used in exceptional cases

.

Branch Accounting (BGL)  Debits  Debit Posting

08.13.Transfer Transactions In BGL Account

1Branch Accounting (BGL)  Transfer  Intra Branch (used for the fund transfer between two BGL accounts)

2Branch Accounting (BGL)  Transfer  Deposit to G/L 3Branch Accounting (BGL)  Transfer  G/L to Deposit 4Branch Accounting (BGL)  Transfer  CC/OD to G/L 5Branch Accounting (BGL)  Transfer  G/L to CC/OD

6

Branch Accounting (BGL)  Transfer  G/L to Loan Account

08.14 BGL Reconciliation Transactions

Branch Accounting (BGL)  Reconciliation  Reference Number Search

Branch Accounting (BGL)  Reconciliation  Reconciliation Enquiry

08.15 For BGL/CGL cash entry rectification

Branch Accounting (BGL)  Cash BGL Rectification  Debit Loan or…………

08.16 For Batch/Technical suspense account rectification

Branch Accounting (BGL)  Batch/Technical Rectification  Others

 Debit Loan or…………

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09. USER MAINTENANCE/ ADMINISTRATION

09.01. Users Logged In

: (To view the list of users logged on to the

Branch)

User/System Administration --> Enquiry --> User Enquiry

09.02. Users Forced Closure

: (To log out a specific user from the

system)

User/System Management--> Changes --> User Forced Closure

09.03. Change User Status

: (When a Teller goes on leave)

User/System Management  Changes  Change User Status

09.04. Change User Type

: (When a user gets promotion / officiating)

User/System Management  Changes  Change User Type permanently

09.05.User Sign-On Reset

: - (To Reset the User ID)

User/System Management -> Changes -> User Sign-On Reset

09.06.Change sign-on Branch Permanently

: - (When teller is

transferred or deputed to other branch)

User/System Management-> Changes -> Change Sign-On Branch Permanently

09.07.Change Time Limit:

-User/System Management -> Changes -> Change Time Limit

09.08.Change Capability Level:

User/System ManagementChanges Change Capability Level

09.09.Change Password

:

-User/System Administration -> Changes -> Change Password

======================================================================

====

10. REMITTANCES(DD/BC/TT/GC/TC)

10.01. Issue of DD against receipt of Cash

:

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Please note this Journal number on the voucher

.

Inland (Rupee) Remittance  Issue  Single remittance - DD, BC, GC

Enter the Journal Number that was generated while receiving the funds

.

10.02 Issue of Multiple DD/BCs against Transfer from Deposit

Account

:

Inland Rupee Remittance  Receipt of Funds  Transfer from Deposit Acco

unt.

Inland (Rupee) Remittance  Issue  Multiple Remittances - DD, BC, GC.

10.03. Payment of DD by Cash

:

Inland (Rupee) Remittance  Payment  Other Remittances  Cash

10.04. Issuance of a Duplicate DD

Inland (Rupee) Remittance  Issue  Single Remittance DD, BC, GC

Insert the original Journal that was generated while receiving funds.

Set the Duplicate Flag to ‘Y – Yes’. Set the Indemnity Rec Flag to ‘Y’ or ‘N’ as the case may be. Set the Charges Rec Flag to ‘Y’.

10.05 Payment of BC to Deposit Account

:

Inland (Rupee) Remittance  Payment  Other Remittances DD, BC, GC To Deposit Account

For Migrated bankers cheque the prefix is BCXXXXX (XXXXX is the Branch code)

10.06 Cancellation of BC

:

1.Inland Remittance  Payment  Other Remittances DD, BC, GC  To Deposit A/c.

Set the Cancellation Flag to ‘Y:Yes’ from the Drop Down Box.

10.07 Revalidation of Banker’s Cheque

Step 1

: Inland (Rupee) Remittance  Enquiries  Other Remittances

Note the Journal No. and date of issue.

Step 2

:Inland (Rupee) Remittance  Issue  Single Remittance BC, DD, GC

Against Revalidate, choose Y.

Against Charges Recovered, choose Y. (Please recover charges separately).

Step 3:

Inland (Rupee) Remittance  Payment  Other Remittances-DD, BC, GC Cash or To deposit A/C.

Against Revalidated, choose Yes and in the Field ‘Reval Date’ key-in the date of revalidation,

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10.08 TT ISSUE/STEPS

Stage

1: Inland Rupee Remittance  Receipt of Funds  Through Cash

.

Please note this Journal number on the voucher.

Stage 2

: Issue of TT: Inland (Rupee) Remittance  Issue  TT

.

(Select the instrument type as ‘Telegraphic transfer’ in case of TT and ‘1.e-transfer’ in case of STEPS from the Drop Down Menu.)

10.09 STEPS PAYMENT

For incoming STEPS the beneficiary’s account is credited automatically without any manual intervention, if the incoming STEPS has the B@ncs24 account No., but if it bears the Bankmaster account No, then the amount is credited to “System Suspense BC to be issued Account”.

For this the user has to go to STEPS Enquiry to get the details. The User has to pass the necessary entries.

Inland (Rupee) Remittance  Enquiries  STEPS Enquiry  e-Transfer

10.10. T Payment - Payment of TT by credit to Deposit Account:

Inland (Rupee) Remittance  Payment  TT Telegraphic Transfer  Payment to Deposit

A Reference No will be generated by the system. Note the same on the voucher

.

Inland (Rupee) Remittance-> Payment-> TT Telegraphic Transfer -> Reversal of IBIT

Field ‘Reference No’: input the reference number generated earlier

.

10.11 Enquiry of a Remittance Transaction

:

Inland Rupee Remittances  Enquiries  Other Remittances

.

10.12 Changing the Status of a Remittance Instrument

:

Inland Remittance  Status Change  Other Remittances (SCR:021026)

10.13 To report a Lost Remittance Instrument DD/ BC

:

Inland Remittance  Status Change  Lost Reporting (SCR:020412)

10.14 Fee Enquiry

Inland (Rupee) Remittance  Enquiries  Fee Enquiry

10.15 RBI SEFT

This menu has been provided to enquire all the RBI SEFT entries of the Branch

.

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10.16 Travelers Cheque Enquiry

Inland (Rupee) Remittance Enquiries  Travellers Cheque

11. COLLECTIONS AND CHEQUE PURCHASE

11.01 LODGING an SC:

Collection and Cheque Purchase  Initiation  SC Cheque Deposit (Collection)

11.02 Realisation Of SC/DD:

Collection and Cheque Purchase  Realisation  Realisation-Dishonour-Charges

.

Against Type: Select from the drop down menu, appropriate option:

1.For SC realized through IBIT: select:1:Credit without Advice

2.For reversing IBIT entry :select :2:SCWA(Releasing SC Without Advice)

3.For SC being realized on receipt of the advice: Select 3:SC Realisation

4.For DD being realized on receipt of the advice: Select 4:DD Realisation

5.For payment of interest for delayed period: Select 5:Intt for delayed

period

6.For recovering CHARGES of SC or DD: Select 6: Charges

7.If less amount is realised : Select 7:Adjustment of less realisation

11.03 How to find out the Reference Number

IBIT A/c Pending Receipt of TR (BGL account no. 98621)was debited when the SC was credited before receipt of advice. The reference number can be traced from the following menu for reversal of the IBIT entry

:

Branch Accounting (BGL)  Reconciliation  Reference Number Search

11.04 DD Purchase

:

Collection and Cheque Purchase  Initiation  Cheque Purchase (DDP) to Cash

Holding Account Number Field should be '0' (0 in the case of stray DDPs, and the relevant Liability Account No. in case of Sanctioned Limits).

Or

Collection and Cheque Purchase  Initiation  Cheque Purchase (DDP) to Account

11.05 Realisation Of DDP

Collection and Cheque Purchase  Realisation  Realisation - Dishonour - Charges

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11.06 Adjustment for Less Realisation

Collection and Cheque Purchase  Realisation  Realisation - Dishonour - Charges

Against Type, select 7:Adjustment for Less Realisation

The amount by which the DDP is less realized will be displayed automatically, together with the customer’s account number.

11.07 SC/DDP Enquiry

Collection and Cheque Purchase  Enquiries  Enquiries

11.08 Collection batch:

where for more than one instruments lodged for SC/DDP, a single Advice may be received. In such cases this collection batch is used.

Collection and Cheque Purchase  Realisation  Collection Batch

11.09 Correction

:

This menu can be used for reversing the entries put through on the same day. This is available as sub menu. The user has to key in all the relevant particulars including the

TRACE NO

of the original transaction which is to be reversed; it must be the replica of the original transaction which is to be reversed. . The Trace No can be found from the Transaction enquiry.

11.10 Related accounts

:

Branch Clearing General A/c - 98611XXXXXC

Charges A/c P&T - 98048XXXXXC

IBIT A/c pending receipt of TR – 98621XXXXXC

DDP Cheques - 98644XXXXXC

(X: Branch Code-5 Digit, C: Check Digit)

The last digit as you know is the check digit. This can be found by accessing the

======================================================================

====

12. MISCELLANEOUS

12.01 File upload

In B@ncs24, there is a provision for processing the bulk data called as “TRICKLE FEED” processing. Under this the branch can upload the file (Which has to be in a specified format) and the file will be processed at CDC. This menu is available with User Type 40/50/60. The user has to go to

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12.02 Minimum Balance Adjustment

Deposit/CC/OD Accounts & Services  Enquiries  Short

Select the option as, ‘5:Account Periodic Balances’. In Display 1 field, give ‘1’ The Minimum Balance is shown against the field, ‘ Current Period’.

Now, to amend the minimum balance stipulation the user has to go to:

Deposit/CC/OD Accounts & Services  Interest Adjustments)  Minimum Balance Adjustment

In the ‘Minimum Balance Adjustment’, give the minimum balance to be updated

.

12.03 Update Average Balance Adjustment

Deposit/CC/OD Accounts & Services  Enquiries  Short

(SCR:

000400)

Select the optionas, ‘5:Account Periodic Balances’

In Display 3 field, give ‘3’ (3 for enquiring Minimum Monthly Cleared Balances)

The Average Balance is shown against the field, ‘ Current Period’.

Deposit/CC/OD Accounts & Services  Interest Adjustments (SCR: 000741)

In the ‘Minimum Balance Adjustment’, give the minimum balance, required to be updated.

12.04 MAKER/CHECKER FUNCTIONALITIES

In

B@ANCS24

, the Maker/Checker functionalities are invoked based on the

transaction amount, transaction type or where there are some exceptions.

12.05 Supervisory Override

:

Here a Supervisory Override screen with the reason for the Override along with the ‘Supervisor ID/Group Capability’ displays with a mandatory field. Following three options are available, which can be judiciously used by the User:

SEND TO GROUP

If the User wants to send to the Group, he has to give the Group number (as displayed in the ‘Minimum capability required to override this error) in the ‘Supervisor ID/Group Capability’ field and Click “Send to Group”

SEND TO SUPERVISOR

If the User wants to send to a particular Supervising User, he has to give the Supervising User’s ID in the ‘Supervisor ID/Group Capability’ field and Click “Send to Supervisor”

LOCAL SUPERVISOR

If the Supervising User comes to the posting Teller’s node, he can give the Supervising User’s ID in the ‘Supervisor ID/Group Capability’ field and his Password in the field, “Password (local override only)”. Then Click ‘Local Supervisor’.

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12.06 BRANCH CALENDAR

Branch Administration  Branch Calendar

System: – ‘BRH: Branch Holiday’ and Calendar Code: ‘10BBBB’ The Date Codes have to be filled in as ‘WW’ for ‘Working Day’ and ‘HH’ for ‘Holiday’

12.07 Image Maintenance

Image Maintenance Upload Images

12.08 ACCESS IMAGES

Image Maintenance  Access Images

Image Maintenance  Modify Mandate

12.09 Retrieve Officer Signature

Image Maintenance  Retrieve Officer Signature

12.10.GENERAL ENQUIRIES

General Enquiries Normal and Last Transactions (SCR:069440: CIF Generic

Long Enquiry)

This is a common Long Enquiry screen where accounts from any of the Deposits, Loans and BGL modules can be enquired by giving the Account Number.

General Enquiries Transactions (SCR: 069450: CIF Generic Transaction

Enquiry)

This is a common Transaction Enquiry screen where accounts from any of the Deposits, Loans and BGL modules can be enquired by giving the Account Number

.

General Enquiries Display Check Digit (SCR: 009022 Display Check Digit)

This menu enables a User to find out the Check Digit (11th digit in CIF/Acc) for CIF/Account Numbers.

General EnquiriesBranch Enquiry (SCR: 031246 CIF: Branch Attributes

Enquiry)

This enquiry menu helps the user to find out branch details by using anyone or more of the following filters,

Branch Code

Branch Short Name Corporate Office Code Circle Code

Network Code Module Code Region Code

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Number and IP Phone Number

General Enquiries Old – New Account/Customer Number (SCR:069018

Old/new Reference Enquiry)

Note: While searching for new CIF Number, the user has to give the Customer

number of Bankmaster in 6 digits.

===============================================================

13. LOAN MODULE IN CBS

13.01 HOW TO OPEN A CC OR OD ACCOUNT

Keep the following details ready before start the work in

B@ncs24

.

Product Type

Sub Type Limit

Rate of Interest (in case of SET RATE)

Expiry Date of Limit Segment code Activity code Scheme code

Step 1: Opening of CC/OD account

::

Select 'Deposit/CC/OD Accounts & Services'  Create  New Cc/ OD Account

.

In the System Field, select CCO:Create CC/OD Account. Note the account number for future reference

.

Step 2. Setting up CC Limit

:: Select

Deposit/CC/OD Accounts & Services

 Create  CC / OD Limit and Details.

Step 3. Limit Approval

::

Deposit/CC/OD Accounts & Services  CC/OD Processing  CC/OD Approval.

Step 4. CC/ OD Acceptance Transaction

::

Deposit CC/ OD Accounts & Services  CC/ OD Processing  CC/ OD Acceptance.

Step 5. Creating SDV/SC Account(In case of loan against paper based

security)

::

SDV/SC  Account opening SDV/SC

(A/C Type = 2.Safe custody and Sub Type = 0200 Safe custody collateral

Step 6. Creation of Security for CC/OD Account

::

DL/ TL Accounts & Services  Security (Primary/ Collateral) Customer Create  Create Security

Please note the Collateral Number for future use.

Step 7. Authorisation of collateral

:: select

“DL/ TL Accounts & Services  Security (Primary/ Collateral) Customer  Amend/ Enquiry  Amend/ Enquire SecurityAuthorise security.

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13.02 CREATING A DL/TL ACCOUNT

Keep the following details ready before start the work in

B@ncslink_c3

Key Particulars

Details

Account Type Sub Type Loan Amount

Loan Term (in Months) (Inclusive of Moratorium) Segment

Activity Code Scheme Code

After the loan is approved and Disbursement Schedule & Repayment Schedule is set up, loan can be disbursed. Other actions must, however, be done later in the day.

1.Entry into Loan Tracking

:

'DL/TL Accounts & Services - Loan Tracking – new

account Tabbled –put account no/cif no.-Transmit.

Product no…………..,Subproduct no……….,Application amt………

Segment no….0706,loan term…(in month)

On Header

Miscellaneous1….Facility-0---transmit-Open next page-Activity code----,Scheme code---,Refinancing Institution-not ref.,

Refinancing reqd:

no

, Customer Type

indinidual

,Transmit-ok

2.Loan Processing-Approve Loan

---Acctno.---Amt---.Proomo.----Transmit

3. Generate Disbursement Schedule

4. Generate Repayment Schedules

5. Loan Acceptance

Activities to be performed outside Loan Tracking

Credit Score Calculation

: DL/ TL Accounts & Services  Create  Credit

Score Calculation

.

Creating Security

: DL/ TL Accounts & Services  Security (Primary/

Collateral)  Customer  Create  Create Security (System =‘COL: Create

Collateral’).

(When Drawing Power is to be assigned to the account, based on the value of the security created, select the flag as Primary and % Drawing amount as

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‘100’.Otherwise select the flag as Collateral and % Drawing amount as ‘0’.)

Authorisation of Security

: DL/ TL Accounts & Services  Security (Primary/

Collateral)  Customer  Amend/ Enquiry  Amend/ Enquire Security

Authorise Security.

Creation of Insurance

:: DL/ TL Accounts & Services  Security (Primary/

Collateral)  Customer  Create  Create Insurance Details.

Creating Inspection Schedule

:: ‘Common Processing  Inspections  Setup

Profile’.

Document Revival

:‘Common Processing  Document Revival  Setup Profile.

To generate repayment schedule ::

DL/ TL Accounts & Services  Loan

processing Generate repayment schedule

To record PDCs :

DL/ TL Accounts & Services  Post dated cheques(PDCs)

Record PDCs or Record Multiple PDCs

13.03 How to change Interest Rate at account level in a TL/DL

account

?

DL/TL Accounts & Services  Loan Tracking Operations

Select Allowable Action: ‘1’ “Maintenance”  select Maintainable Action ‘5’ “A/c Creation”  Option to be chosen “1: Normal Details” Now put differential value (basis points by which the interest rate is to be enhanced or reduced) in the Rate Increment field with ‘+’ or ‘–‘ sign.

13.04 What are the essential steps to enhance or reduce

sanctioned limit in a CC/ OD Account

.

Step-1: Change the Limit:Deposit/CC/OD Accounts & Services  Amend Deposit

CC/OD Account select option “4: CC/OD Limit Details”.

Step-2: Approve the limit: Deposit/CC/OD Accounts & Services  CC/OD

Processing  CC/OD Approval

.

13.05 How to rectify irregularity in a loan

account(Decrease/Increase)?

Alteration in Theo Balance of a DL/TL account will result change in irregularity of

loan account.

Common processing  Overdue/ NPA 

Adjust Overdue/ Pre-Payment Balance Credit (to reduce the irregularity) or

Adjust Overdue/ Pre-Payment Balance Debit (to increase the irregularity).

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13.06 How to reverse an erroneous credit in a DL/TL A/c?

Go to Batch Transaction & select Transaction base as 011050: Loans: Debit Adjustments

.

13.07 How to transfer a Staff Car Loan Account (staff concessional

rate of interest loan account) from a Non-Core branch to Core

Branch?

2Create a new CIF for the Staff.

3Loan Term will be Remaining Repayment period as per the original repayment schedule.

4Open New Car Loan A/c through Loan Tracking - Amount of loan will be Principle outstanding.

5Transaction Posting  Loan Accounts Disbursements  Transfer to GL

(A/c no. 98611+0BRCD+C) Amount will be Principle Outstanding,

select priority as ‘ P: Principle’.

6Repeat above step for the Interest portion also select Priority as ‘I: Interest’. (In case Principle has been repaid fully, release entry assuming notional Principle amount as Rs.1 only)

7Now Create Repayment Schedule

8

Calculate amount of interest accrued from the date of transfer to date and put through entry using menu = DL/TL Accounts &

Services  Intt. Adjustments  Interest. Accrual Adjustment.

13.08 How to arrange for application (debit) of interest on various

CC accounts of one borrower to a single designated account

calculated on the basis of day’s net debit balance of various

accounts?

Link all the accounts via menu option: Deposit/CC/OD Accounts & Services

CC/OD Processing Linking Nominal & Interest CC Accounts.

13.09 How to attach CRA rating on a loan of > Rs.25 Lacs?

Customer Management  Create  Credit Rating Code :: Rating Source: “3:

SBI”, Rating type: ‘1: Long Term’ or ‘2: Short Term’, select appropriate Rating Code and key in End Date (One year for CC A/Cs).

13.10 How to close a Loan Account?

Step-I: Transaction Posting  Loan Accounts (DL/TL)  Loan Closure Enquiry

for Closure. Note the Discharge Amount.

Step II: Transaction Posting  Loan Accounts (DL/TL)  Loan Closure  Closure

by Transfer.

Step III: Now go to Loan Tracking and complete the remaining allowable

actions shown in capital words

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13.11 How to attach a guarantor to a loan account?

(i) Customer Management  Amend  Customer Details,

Option 8: Financial Details, Note the Net worth. (Worth thus arrived > = Amount Guaranteed).

(ii) Customer Management > Relationships/Ownership > Relationships

(Entity DEP: Deposits Master for CC/OD or LON: loans Master for TL/DL )

13.12 How to Print Repayment Schedule for a DL/TL account?

DL/TL Accounts & Services Loan Processing Generate Repayment Schedules.

Choose Action as ‘E: Enquire’ and appropriate Option 1: EMI or 2: Princ Eq

Distr.

13.13 How to view amount of Arrears & Breakup of Principal,

Interest Realised (Real Intt.), Charges and Arrear of Interest etc.

for DL/TL Accounts?

DL/TL Accounts & Services > Enquiries > Short. Select Option 3: Balance Breakup

Enquiry

.

13.14 How to Transfer a Demand / Term Loan A/C from Core to

Core branch?

Go to DL/TL Accounts & Services > Loan Tracking > Operations >

Action: 1 Maintenance > select Maintainable Action ‘5- A/c Creation’ >

Option “5: A/C Type - Home branch Change” -- Input New Branch Code number and transmit.

13.15 How to cancel a DL/TL Account?

Possible only before disbursement of DL/TL Account.

DL/TL Accounts & Services > Loan Processing > Cancel loan

.

13.16 How to open a Joint Loan Account?

(i) Step 1: Customer Management > Amend > Link CIF to A/c.

System: LON for DL/TL or DEP for Deposit/CC/OD Accounts,

(ii) Step 2: DL/TL Accounts & Services > Loan Tracking > Operation > Action: 1

Maintenance > select Maintainable Action ‘5 A/c Creation’ > select Option: ‘2:A/c Names’ OR

Deposit/CC/OD Accounts & services > Amend > Deposit/CC/OD Accounts > Option

5: Account Names, and thereafter repeat the same navigation with Option: B: Mode of operation.

13.17 How to open C/A Overdraft against STDRs of a customer

bearing different rates of interest ?

While setting up the limits for new CC/OD account, navigate as under:

Deposit/CC/OD Accounts & Services > Create > CC/OD Limit and Details (multi–

limits) [instead of ‘CC/OD Limit and Details’ -used for single rate limits].

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Select rate Type as ‘S: Set Rate’ and key in different rates against respective limits sanctioned against various STDRs

13.18 OPENING OF CONTINGENT ACCOUNTS

Step 1: Contingent Account  Create/ Amend  New Account

Step 2:Contingent Account  Create/ Amend  Approve Account

Step 3:Transaction at the time Of Issuing BG/ LC: Menu: Transaction Posting 

Contingent Accounts  Transactions  Settlement Debit

Step 4:Transaction on the date of Settlement:Transaction Posting  Contingent

Accounts  Transactions  Settlement Credit

13.19 To find out the Collateral Number

:

DL/ TL Accounts & Services  Security (Primary/ Collateral)  Customer 

Amend/ Enquiry  Enquire Security Summary.

13.20 How to reduce accrued interest in an account

Menu: DL/TL Accounts & Services  Interest Adjustments Interest Accrual

Adjustment

In the field ‘Interest Adjustment’: enter the ‘Accrued Interest Amount’ noted earlier, starting with ‘-‘ sign.

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14. NPA FUNCTIONALITIES IN B@NCS24

14.01

Non-Performing Assets in B@ncs24 have been classified into 7 categories, which are called as

RISK GRADES

as per details below

:-RISK

GRADE

_DESCRIPTION

00 Standard Asset

01 Standard But Temporarily Irregular Asset 02 Standard But Irregular for Over 60 Days

04 Sub-Standard Asset

05 Doubtful Asset – Less than 1 Year

06 Doubtful Asset = > 1 Year but < 3 Years 07 Doubtful Asset = > 3 Years

08 Loss Asset

(Please note that risk grade numbers 03 and 09 are not used presently)

14.02 ARREAR CONDITIONS FOR DL/ TL ACCOUNTS

Arr ear Co ndi tion Nu mb er In Risk Gra de of TL/ DL acco unt

Description

Number of Days / Percentage of erosion New NPA Status of that accoun t

101 00 Excess Drawings / Irregularity 30 Days 01 102 01 Excess Drawings / Irregularity 30 Days 02 103 02 Excess Drawings / Irregularity 30 Days 04

104 00 Erosion in Security Value 90.10% 08

112 01 Auto Upgrade -- 00

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14.03 ARREAR CONDITIONS FOR CC AND OD ACCOUNTS

Arr ear Con diti on Nu mbe r In Risk Gra de of CC/ OD acco unt

Description

Number of Days / Percentage of erosion New NPA Status of that account

201 00 Excess Drawings / Irregularity 30 Days 01 202 01 Excess Drawings / Irregularity 30 Days 02 203 02 Excess Drawings / Irregularity 30 Days 04

204 00 Interest not Serviced 30 Days 01

207 00 Non submission of Stock _Statement 90 Days 04 208 01 Non submission of Stock _Statement 90 Days 04 209 02 Non submission of Stock _Statement 90 Days 04 210 00 Non submission of Renewal Data 180 Days 04 211 01 Non submission of Renewal Data 180 Days 04 212 02 Non submission of Renewal Data 180 Days 04

14.04 COMMON ARREAR CONDITIONS

151 04 Risk Grade (4) 365 days 05

152 05 Risk Grade (5) 365 days 06

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14.05 NPA STATUS THROUGH SHORT ENQUIRY

Using short enquiry user can find out the following information in respect of a Loan / CC /OD account –

New IRAC Status

Old IRAC Status

NPA Date

INCA and UIPY amounts

Menu Navigation for TL / DL accounts

DL / TL Accounts & Services Enquiries Short

Select the ‘option’ as ‘1.Normal Details’ and Transmit.

Menu Navigation for CC / OD accounts

Deposit/CC/OD Accounts & Services Enquiries Short 

Select the ‘option’ as ‘2. Overdraft Details’.

For NPA date in respect of TL / DL go to Long Enquiry

DL/TL Accounts & Services Enquiries Long

14.06 NPA enquiry for finding Arrear Condition

Common Processing 

Overdue / NPA NPA Enquiry

(Options : Risk Grade Enquiry /NPA Status Enquiry)

14.07 AMEND NPA STATUS

Common Processing Overdue / NPA 

Amend and Enquire NPA Status – CC/OD

Amend and Enquire NPA status – TL / DL

14.08 GRANTING OF HOLIDAYS IN NPA TRACKING

Common Processing 

Overdue / NPA 

Granting Holiday for Asset Classification (DL / TL)

Granting Holiday for Asset Classification (CC / OD)

14.09 LEGAL CASE TRACKING

Common Processing 

Overdue / NPA 

NPA Legal Case Tracking

14.10 HOW TO FIND OUT THAT AN ACCOUNT HAS BECOME NPA

AS PER THE SYSTEM

(Through Short Enquiry)

For DL / TL accounts

DL/TL Accounts & Services Enquiries Short

Check the value in “New IRAC Status” field

For CC / OD accounts

Deposit/CC/OD Accounts & ServicesEnquiriesShort

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Status” field

14.11 HOW TO FIND OUT THE REASON FOR AN ACCOUNT

BECOMING NPA

Common Processing Overdue / NPA NPA Enquiry

14.12 HOW TO UPGRADE THE STATUS OF AN NPA ACCOUNT?

Common Processing Overdue/NPA Amend/Enquire NPA Status – CC/OD

(or)Amend / Enquire NPA Status – TL / DL

14.13 NPA CALCULATOR

The system will not apply this interest automatically to the loan account.

MENU PATH – Common Processing Overdue / NPA  CC/OD Calculator

or

TL/DL Calculator

Acc_Type Int_cat Description

6027 1011 CC-KCC AGRICULTURE ok 6001 1001 CC-HYPO. PUBLIC 6004 1004 CC-WEAVERS SOC 6006 1006 CC-CONSORTIUM 6008 1008 CC-PDS 6010 1010 CC-FERTILIZER 6012 1012 CC-INDUSTRIAL SOC 6013 1013 CC-HOUSE FEDERATION 6014 1014 CC-LDB CLEAN 6016 1016 CC-AGRO INDUSTRY 6017 1017 CC-FINANCIAL CORP 6021 1021 CC-SLI STAFF 6022 1022 CC-SLI PUBLIC ok 6028 1028 CC-MKTG. SOCIETY

6029 1029 CC-GENERAL CREDIT CARD ok

6131 1031 OD-OVERDRAFT STAFF 6132 1032 OD-OVERDRAFT PUBLIC 7001 1011 TL-SCAVANGER 2330 10 7004 1013 TL-DAIRY 2328 10 7005 1014 TL-SJSRY 2329 10 7006 1015 TL-VEHICLE PERSONAL 2332 10 7008 1016 TL-CONSUMER 2324 10

7009 1017 TL-HOUSE LOAN PERSONAL 2327 10

7010 1018 TL-EDUCATION 2325 10

7013 1019 TL-OTHER PURPOSE

7014 1020 TL-NON FARM SECTOR

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7019 1023 TL-COMPUTER

7021 1024 TL-SELF HELP GROUP

7026 1026 TL-VEHILCLE COMMERCIAL

7031 1027 TL-GOVERNMENT

7040 1028 TL-AGRI. & ALLIED ACT.

SCREEN NO.

400-Deposit Accounts Short Enquiry 440-Deposit Accounts Long Enquiry

450-Deposit Accounts Transaction Enquiry 10400-Loans Short Enquiry

10450-Loans Transaction Enquiry 20400-BGL Short Enquiry

20450-BGL Transaction Enquiry 1010-Deposits – Cash Receipts 1060 Deposits – Cash Payments

1045 Deposits – Transfer Transactions 9022 Check Digit Enquiry