INDEX
S.NO TOPIC Page No
1 CBS – An Overview
2 Familiarisation to Finacle& Internet Explorer Setting
3 Customer ID Creation 4 Opening of SB/CA Accounts
5 Transaction Maintenance
6 Transactions in Sundry / Suspense A/Cs 7 Account Freezing
8 Lien Maintenance 9 Inventory Movement
10 Cheque Book Maintenance/Stop Payment 11 Demand Drafts/Pay Orders
12 Term Deposits
13 Clearing
14 Cash Credit/Overdrafts Accounts 15 Security Register Maintenance 16 Limit Node Maintenance 17 Opening of Loan Account
18 Standing Instructions
19 Inland Bills
20 Viewing, Printing, Downloading of Report 21 DBA Activities
22 Memo Pad Inquiry & Maintenance 23 Signature Capturing
24 Branch implementation cycle under CBS 25 Networking
26 Post Migration Check List 27 Migration Day
28 Important Inquiry & Report Options In Finacle 29 Internet Banking
30 Debit Card
31 Role of Incumbent Incharge 32 Government Business Module 33 Lockers
34 Generation Of Reports 35 Exercises
CENTRALISED BANKING SOLUTION - AN OVERVIEW
BACKGROUND
The face of Banking Industry is changing continuously. What Banking is today is quite different from what it was in the years gone by. Some of the present trends in banking industry are as under-
• Focus on Customer Relationship
• Introduction of many Value Added Services • Connectivity of branches
• Multiplicity of Delivery Channels • Focus on MIS & Risk Management • Focus on Reduction of Transaction Cost
The present trends are indicative of the times to come. The future scenario in the industry can be visualized. Going by the happenings all around us, we get an indication of what lies in store for the industry in the future. Expected trends in the industry are as under.
• Increase in THE EXPECTATIONS of Customers • Increase in Healthy Competition
• A greater variety of Products and Delivery Channels in the market • Centralised Customer Management
• Information Technology to act as an integrator between demands on the industry and services rendered
• Internet Portals to bring the Customer Closer
The biggest challenge before the Banking Industry today is that posed by the customers. The customer today is more informed and aware than before. Also his level of expectation is much higher than it was earlier. Some of the challenges thrown before the Banking Industry on account of Customer Expectations are as under-
• Convenience – Anywhere, Anytime banking • Need for Diverse products and facilities • Need for Value addition & Reduced cost
• Instant access to information and facilities- customer is well informed about various products and options available.
It is in this backdrop that the bank has decided to go in for the centralized banking solution (CBS). PNB is the first nationalized bank to go in for the centralized banking solution from Infosys and is implementing its flagship banking product Finacle.
WHAT IS CENTRALIZED BANKING SOLUTION
Under the Centralized Banking Solution the data of all the branches is centralised at one place viz; Data Centre. This effectively means that all operations at the connected branches are being done through Servers at Data Centre and Branch is not having any data storage devices. Branches are having only Windows Based PCs or thin clients(terminals without a hard disk) which are capable of running Internet Explorer. Other Delivery Channels like ATMs etc are also connected to Data Centre through ATM Switch.
The branches are now called the SOL (service outlets) because each sol is working as a service window just like a railway reservation counters where you can book a ticket even if a single window is open. Similarly customers can transact even if a single sol is open. As on 31.03.2008 the total number of sols in CBS is 3501 and bank has already decided to migrate all the branches to CBS by 31st March 2009.
From customers’ perspective now customer is a customer of the bank and not a customer of the branch. This has facilitated Any-where, Anytime Banking convenience for the customer.
From Bank’s perspective, centralized control over the application and processes has been ensured like change of parameters ,service charges, rate of interest etc which is being done by Data Centre only , apart from availability of effective MIS on real-time basis. All periodical returns can be generated centrally.
Bank has already set up a state of the art DATA CENTER having world class infrastructure at new Delhi and a DRS (Disaster Recovery Site) having the same set up as at Data Center . As 88% of bank’s business is already computerized on CBS our DRS is capable of running the branches in case of any eventuality at data center .As there is a time lag of 15-20 minutes between updation of data at DC and DRS bank is considering setting up of a ZERO DATA LOSS site in NCR Region.
HARDWARE
Hardware installed at DC is supplied by SUN MICRO SYSTEMS which is a US based company .All the machines are connected to each other in clustered environment and each server has a specific function. Various type of servers which are installed are listed below.
-Database Server -Application Servers -Web Servers
-Banc’s Connect (BC)
-Central Stand in Server (CSIS) -MIS Server
-Central Training Server -Test Server
-EMS servers -ATM Switch
OPERATING SYSTEM
Operating system being used at PNB is SUN SOLARIS version 9.0. RDBMS(Relational database management system)
Oracle 9i is the RDBMS being used. APPLICATION SOFTWARE
Application software being used is FINACLE version 7.0.11. developed by M/S:INFOSYS Technologies , Banglore.
CONNECTIVITY
The following modes of connectivity have been deployed by the bank to connect the SOL’s with the DC.
-LEASED LINE connectivity
-ISDN (Integrated Services Digital Network) or Dial up connection -WIRELESS or Radio Link
-V-SAT (very small aperture terminal) or satellite link
To bring down the cost of Leased Lines bank has set up ZONAL NETWORK CENTERS (ZNC’s) at all the zonal offices and network centers (NC’s) at other centres which have more than 10-15 branches.These ZNC’s and NC’s are linked To DC as well as DRS by a leased line as well as ISDN.
To manage such a huge network of 3200+ sols the bank has set up a NOC(Network Operation Center) at Data Center and the job of network management has been outsourced to M/s:HCL Comnet who are bank’s Network Integrators.
CENTRALISED BANKING WITH FINACLE
• Finacle is an integrated, on-line, enterprise banking system designed to provide the "e-platform”, developed by M/s Infosys, Bangalore and being used internationally and also by major private & foreign banks operating in India.
• It is functionally rich and addresses the retail and corporate banking requirements.
• Finacle is open architecture allows easy integration with other business applications and multiple delivery channels
• High level of security control and audit capabilities • Designed for optimum Usage Of Network Bandwidth • Provides a browser based GUI interface to Finacle
• Transaction space integrated with web based applications such as e-mail, chat etc.
• Finacle is a multilingual /multicurrency/highly parameterized software. • User access has been restricted with a specific user id and a password . • Transaction security has been integrated in the form of maker and checker
concept .Same user is not allowed to enter/post/verify the transaction. • There is a provision to capture and display the signatures online. • Finacle has a common transaction interface for all type of transactions. • Voucher printing can be done in finacle.
• Predefined templates have been provided for transactions.
• All the limits of a customer can be monitored and controlled through the LIMIT NODES.
• There is a concept of customer ID. Every customer must have a CUST ID before his account can be opened.Using same CUST ID any number of accounts can be opened by a customer.
• Balances are RESERVED by the system as soon as cheques /bills are lodged in the system.
• Movement of security forms (Inventory) has to be properly recorded in finacle whenever the inventory is received by the branch from stationery deptt or is issued to the customer.
• All errors are handled with specific Exception codes. • There are two Functional Modules -
a. Retail and Corporate Module-encompassing Saving Accounts, Current Accounts, Term Deposits, Cash Credit Accounts, Overdraft Accounts, Term Loans, Demand Loans.
b. Trade Finance Module-encompassing Inland & Foreign Bills, Forward Contracts, Inland & Foreign Documentary Credits, Inland & Foreign Bank Guarantees, Inland & Foreign Remittances and Preshipment Credits.
• Branches to start operations after Data Centre BOD Operations
Data Centre to initiate EOD operations, only after all connected branches have done their Day End .
Beyond the basic application, the package has been fully customized and parameterized as per existing Bank Guidelines, by our own core team, trained by Infosys. Future maintenance of application and parameters is being done by data center, thereby reducing Bank’s dependence on vendors. Wherever required, change in Bank’s systems & procedures are being approved by a Business Reengineering committee constituted at Top Management level.
ADVANTAGES
• Anywhere,Anytime Banking
• Customers having 24X7X365 access • Platform for diversifying the business • Optimum utilization of human resources • MIS, Data Warehousing and Data Mining • Secured Control
• Connectivity to Alternate delivery channels like ATM, Telebanking, Remote Access and gateway to Internet Banking .
• Customer Relationship Mgmt.
• Call center established by the bank .Service available on toll free number 1800-180-2222. and STD number 0124-2340000 and email [email protected].
• Bank has decided to increase the number of back offices upto 100 and centralize operations like Inward /outward clearing, issue of cheque books, statement of accounts, generation of MIS , opening of accounts etc.
• We are one of the pilot banks selected by RBI for implementation of cheque truncation system.Pilot run for the same is expected to start by the last week of October 2007.
ROLLOVER OF BRANCHES
Members of the Implementation Team constituted at the Zonal Level are doing the roll over/ implementation. The implementation teams are responsible for Data Migration at the branches, end user training, hand holding support during the implementation; troubleshooting and Zonal help desk support to branches.
The bank has implemented SERVICE PLUS SERVICE DESK (SPSD) tool also called help desk tool and all sols are required to lodge their queries/problems in the help desk tool only .As soon as any call is loged in this tool it generates a request id and the call is raised to the respective zonal help desk team.The ZHD team provides the resolution by loging the solution in the same call id which can be viewed by the user at branch online at the same time or at any time in future by mentioning the call id/request id.
There is a central help desk functioning at DATA CENTER also which takes care of all the issues which remain unresolved at zonal help desk.Phone numbers of the central help desk are -011-23323680 and 011-23323703.
Issues which remain unresolved at central help desk are escalated to the testing And development section in data center and then to the vendor m/s:INFOSYS.
FINACLE FAMILIARIZATION & NAVIGATION
Prepared by – Anil Kr. Aggarwal Sr. Faculty, IT Centre, Faridabad Before working on Finacle, a user should get familiarized with –
- Internet Explorer & setting properties of Internet Explorer to make it enabled for Finacle
- Login first time in Finacle & changing password.
- Finacle environment & use of various function keys on Keyboard A. INTERNET EXPLORER –
An icon ‘Internet Explorer’ is available on the desktop of the user’s computer. Bring the mouse pointer on the icon and double click (left button of mouse in quick succession). If the user is not familiar with clicking mouse in quick succession, he/she may click left button of mouse once and press Enter key available on the keyboard.
Double Click left button of mouse in quick succession
Single Click left button of mouse
You shall get the login screen of finacle on desktop. But before we discuss about loging into finacle, we should know how to change setup of Internet Explorer to make it Finacle enabled.
B. INTERNET EXPLORER SETTINGS FOR FINACLE
(WINDOWS98/WINDOWS2000)
− Double click on 'Internet Explorer' shortcut, which is on the desktop. − Go to Menu 'Tools ->Internet Options'
Screen 2
− In the 'General' page, change the address to the homepage of Finacle, allotted to you by the Data Centre, e.g. http://10.192.2.26/fin7011_01/pnb.html
Click mouse in Address field and enter server address
Screen 3
− Click on 'Security' page. Click on 'Trusted Sites'. Click on 'Sites' button, as shown in Screen 4.
Step 1 – Click on Security
Step 2 – Click on Trusted Sites
Screen 4
− Uncheck 'Required server verification (https) for all sites in this zone'. Type the server address allotted to you by the Data Centre e.g. 10.192.2.17 and click on 'Add' button. Click on 'OK' button. In the same page i.e. 'Security', click on 'Custom Level' button as shown in Screen 5.
Step 2 – Click on Add button Step 1 – Enter Server IP address
Step 4 – Click on OK button
Step 5 – Click on Custom level button Step 3 – Click here to
remove check mark
Screen 5
− Scroll down to 'Microsoft VM ->Java Permissions' and click on 'Custom' radio button. Click on 'Java Custom Setting' button.
Step 1 – Click on scroll down button and come to Microsoft VM option as shown in step 2
Step 2 – Click on custom which is under Microsoft VM
Step 3 – Click Java Custom Settings button
Screen 6
− Click on 'Edit Permissions' page. Under 'Unsigned Content->Run Unsigned Content', click on 'Enable' radio button.
Step 1 – Click on Edit Permissions
Screen 7
- Scroll down to 'Signed Content->Run Signed Content' and click on 'Enable' radio button. Click on 'OK' button. Click on 'OK' button as shown in Screen 8.
Step 1 – Click on Scroll down button to come to Signed contents
Step 2 – Click on Enable
Step 3 – Click on OK button
Screen 8
−
Step 1 – Click on Connections
Step 2 – Click on LAN Settings
Screen 9
− Check (i.e. correct sign) 'Automatically Detect Setting'. Click on 'OK' button. In the Main setting window, click on 'OK' button as shown in Screen 10.
Step 1 – Click on Automatically detect settings so that Correct sign appears
Step 2 – Click on OK button
Step 3 – Click on OK button
− Click on 'Refresh' icon or go to menu 'View' and click on 'Refresh' menu option. Click on view menu again and uncheck status bar, if checked as shown in Screen 11.
Screen 11
− Under Tool Bars - Uncheck Standard Buttons, if checked. Check Address bar, if unchecked (Optional) as shown in Screen 12. Rest should be unchecked.
Screen 12
1. First Install Java 2 Runtime Environment
Double Click on this icon
Screen 13
2. From the Home Page of Finacle downloaf Java Policy
3. Change the Home Page as http://10.192.2.26/fin7011_01/pnb.html in internet expolrer
D. LOGGING INTO FINACLE (1ST TIME)–
A user is authorized to log into Finacle in a CBS branch by providing him a user_id and password by Data Centre.
1. User Name – Ensure that the cursor is blinking in the User Name field; if it is not blinking in this field, bring the mouse in this field and click left button of mouse once. Enter user_id provided by the Data Centre. Press Enter or Tab key. The cursor shall blink in password field as shown in Screen 14.
2. Password – Enter password as provided to you by the Data Centre. Press Enter key twice or click left button of mouse on Login button. System will display a message box on the desktop stating ‘You are a New user hence please change your password’ as shown in screen 13.
Screen 14
3. The message displayed on the screen has OK button. Click left button of mouse on OK or press enter. System shall display the login screen with two more fields (screen 15).
Screen 15
4. Bring the mouse pointer in New Password field and click left button of mouse.
5. New Password – User need to enter minimum six characters password of his/her choice. User may enter password containing alphabets and numerals. Press Enter Key.
6. Confirm New Password – User must enter exactly the same password as entered in previous field. System checks whether the user is sure of his/her password.
7. Press Enter key twice or click left button of mouse on Login button. If both the passwords i.e. the passwords entered in New Password and Confirm New Passwords fields tally, then only system will allow the user to log into Finacle.
Note – Wherever click or click mouse is mentioned, it means click left button of the mouse.
E. FINACLE USER MENU –
Once the user successfully logs into Finacle, he/she shall get list of menus as per the type of user, e.g. if the user logs into finacle as DBA, he/she may get different list of menus than a general user. Screen 16 shows list of menu options available to General User.
Screen 16 Main Menu Sub Menu Menu Option User defined Favorites Message Area/Help Bar Progress Indicator Action button Latest Instructions from Data Centre (Scrolling Message/Text) Type name of
Menu Option & press Enter Key
Left hand side window consists of list of menu options. Menu options are grouped as per their use/purpose. E.g. menu options required for remittances are grouped under Remittances Menu. User can click left button of mouse on + sign appearing on left hand side of menu to expand it further. User shall get list of menu options as shown in screen 15. E.g. If user click on + sign of Customer Accounts Menu, he/she may get a list of sub menus (having + sign on left hand side, e.g. Authorization Menu, Accounts Maintenance Menu etc.) and also list of actual menu options (having short name of menu option in square brackets e.g. Interest Table Maintenance [INTTM] etc).
• User can click on + sign appearing on left side of sub menu to further expand it.
• Or user can double click on actual menu option (indicated with name of menu option in square bracket) to open it.
USER DEFINED FAVORITES
User can group frequently used menu (by him) options on right hand side window called as favorites. Steps to create favorites –
E.g. Steps to create favorite for Interest Table Maintenance [INTTM] • Click mouse on menu option ‘Interest Table Maintenance [INTTM]. • Press Control+C
• Click mouse on Favorites (right hand side window) • Press Control+V
Steps to remove menu/menu options from favorites –
• Click mouse on menu/menu option which is to be removed • Press Control+X
F. HOW TO EXECUTE MENU OPTION?
There are two ways to get into a menu option.
1. In the list of menu options or from favorites, find out the menu option to be executed and double click on it.
2. Or write the short name of the menu option in the field provided at left-bottom side of the screen with the heading ‘Menu option’ and press Enter Key.
G. PROGRESS INDICATOR –
• Green – System is ready i.e. control is currently with the browser. User can operate the system.
• Yellow – Browser is performing internal processing like assembling/painting screen as per requirement. User should not operate the system.
• Red – Browser is communicating with the server. i.e. browser is sending/receiving data from server. User should not operate the system.
H. ACTION BUTTONS –
Every action button has a specific purpose. E.g. If user clicks mouse on WhoAmI button, system will display user_id of the user who is currently logged in & other information like date, name of SOL in a rectangular box. Use of these action buttons shall be discussed later in this chapter.
I. MESSAGE AREA/HELP BAR –
In finacle, if user needs any help in entering data in a field, he shall bring the cursor in that field and press F1 key, the system may display purpose of that field on this message/help bar. As also, at various stages system may display messages like ‘Operation Successful’, ‘Record Verified’ etc on this message bar as and when required.
J. SCROLLING MESSAGE –
As and when Data Centre wishes to give instructions or guidelines to all the SOLs, it may communicate the same through this area. The message will keep scrolling from right to left. There are three buttons provided on right side of this bar –
• Left button – Click on this button to Fast Forward the message. • Middle button – Click on this to stop message from scrolling. • Right button – Click on this button to Fast Rewind the message.
K. FUNCTION KEYS AND NAVIGATION IN FINACLE –
PHYSICAL KEY DESCRIPTION
F1 Field Level Help (In a field, if user presses F1 key, system may display necessary help about the field)
F2
(List button on action Bar)
In some of the fields like City, State, Intt. Rate Code, Mode of Operation etc, system provides list of valid codes. User may press F2 in such fields for list of valid codes
F3
(Back button)
Quit. In a menu option which is activated, user may press this key to quit from the menu option without saving the details.
F4
(Accept button)
Accept. In a menu option, user may press this key to accept the data entered at various stages.
F5
(Background button)
Back Ground menu (In a menu option, user may press this key to activate background menu)
F6
(NextBlk button)
Next Block (next page) (In a menu option, user may press this key to go to next page/block, as and when it’s
applicable)
F9 View Signatures (Alt+F4 to Close) (In a/c no field, after entering valid a/c no, user may press this key to view signature/list of signatures attached to the account.) F10
(Commit button)
Commit (In a menu option, user may press this key to save/commit data entered.)
F11
(Transmit button)
Next Field/Next Page on same Screen F12
(PrevBlk button)
Previous Block (previous page) (In a menu option, user may press this key to go to previous page/block as and when it’s applicable)
TAB Go to the Next field
ENTER Go to the Next Field
DOWN Arrow ↓ (NextRec button)
Next Record (In a list or result of a query) UP Arrow ↑
(PrecRec button)
Previous Record (In a list or result of a query) CTRL+D Page Down on a List (In a list or result of a query) CTRL+ E (Explode) Explode
CTRL+F Clear Field
CTRL+U Page up on a List (In a list or result of a query)
CTRL+X Put BOD (today’s) date
SHIFT+F4 Select the current item from the list SHIFT+TAB Go to the Previous Field
L. BACKGROUND MENU –
Background menu is provided in finacle to perform operations like a/c ledger inquiry, cheque book inquiry, interest table inquiry, change of password etc. Background menu plays a very important role in day to day functioning.
Screen 17
e.g. If the user is in menu option for passing transactions and wishes to see account ledger, instead of coming out of menu option, user can press F5 key or Background button available on action bar to invoke background menu. Steps to execute background menu –
• Press F5 key or click on Background button.
• Use Up/Down arrow key to scroll through list of options
• As the user scrolls through the list in background menu, number applicable for current option appears in ‘Make your Choice’ field.
• Go to the required option and press F11 key or click on Transmit button on action bar.
• The selected option gets activated. Perform the operation as required. • After completing the operation, user may press F3 to quit from selected
background operation and return to the menu option in which he/she was working before pressing F5 key.
M. LOGGING OUT OF FINACLE –
User may type Exit in menu option field as shown in Screen 18 below and press Enter key; alternatively, user can click on Logout button as shown in Screen 17. System will display a message in a rectangle box stating ‘Logout from Finacle?’ User may click on Yes button to quit from Finacle.
Step 1 - Type EXIT & press Enter key
Step 2 - Click mouse on Yes to exit
Step 1 - Click mouse on Logout button
Screen 18 DO’s –
1. Never disclose password to others.
2. Avoid entering password in presence of other persons.
3. Change own password on regular interval; menu option to change password is PWMNT.
4. Exit/logout from finacle while leaving seat.
5. Read instructions/messages appearing in Scrolling Text/Message area. DONT’s –
1. Never click on Back button of Internet Explorer while working in Finacle; otherwise system may abnormally terminate the current session and may not allow to login again using the same user_id. In such case, contact branch’s DBA/System Administrator for further action.
2. Never close Internet Explorer window using X button (available at right-top side) while working in Finacle; otherwise system may abnormally terminate the current session and may not allow to login again using the same user_id. In such case, contact branch’s DBA/System Administrator for further action.
CUSTOMER_ID CREATION
Prepared by – Anil Kr. Aggarwal Sr.Faculty, IT Centre, Faridabad
To open any type of Account, as Principal A/c Holder in Finacle, Customer_id is required. The menu option for Customer ID Creation is CUMM i.e. Customer Master Maintenance. With one Cust_id, any number/or type of accounts of a customer can be opened in Finacle, from any CBS branch. Customer creation requires filling in the basic information pertaining to a customer as follows:
Code Description
<G> General Customer Detail <E > Customer Currency Detail <M> Customer Minor Detail
<N> Non Resident Customer Detail <T > Trade Finance Detail
<U> Buyer or Seller Limit Detail
<P> Persons Detail
<G> General Details and <E> Currency Details are compulsorily to be fed in the system at the time of customer creations. The other details e.g. Minor details, Non Resident Details, Trade Finance Details etc. are required to be fed only when the customer id is created for such type of customers and these become co-mandatory at that time.
How to create Customer_ID?
To create Customer_id, we have to choose menu option CUMM.
Type CUMM in the Menu Option field available at left-bottom side of finacle, and press ENTER key. This menu can also be selected from the main menu by double clicking of mouse on : Customer Accounts Menu Æ Accounts Maintenance MenuÆ Customer Maintenance Menu in the sequence.
System shall display screen for Customer Master Maintenance. You can press F1 for help, the help will be displayed at status bar. The functions available are A-ADD, C-COPY, D-SUSPEND, I-INQUIRE, L-LIST, M-MODIFY, U-UNSUSPEND, V-VERIFY & X-CANCEL.
For creation of Customer_id we have to select A for ADD. Page 1.
1. Function: A for ADD and press F4.
System shall take you over to the next block against the field Customer Name.
2. Title Code (Mandatory): The first Field is for the title i.e. Mr., Mrs. etc. Press F2 for the list and go to the respective title by pressing down arrow key. Select the title by pressing Shift+F4; or if you know the title, type the same in field provided as defined in the list. Press Tab to go to the next field i.e. customer name.
3. Customer Name (Mandatory): Write down the full name (Mandatory) of the customer of whom the customer_id is being created. Press Tab to go on to next field.
4. Short Name: (Mandatory field) Enter Short name of the customer of maximum 10 characters. This short name shall be used anywhere in the package at the field provided for short name for making inquiry in respect of accounts. Press Tab to go on to next field.
5. Type (Mandatory) Press F2 for list and go to the respective type by pressing down arrow key. Whether a customer is a Trader or Other Individual can be selected by pressing Shift+F4. Press Tab to go on to next field.
6. Primary Sol (Mandatory) shall appear by default. This is your Service Outlet Id. Press Tab to go on to next field.
7. Status (Mandatory) by default it will appear as 999 i.e. Others. If the customer is Blind, Parda-Nashin woman etc, same can be selected from the list available by pressing F2. Press Tab to go on to next field.
8. Status as on (Mandatory) by default system shall display BOD date (Begin of Day i.e. the date in which system is working), but can be changed to back date if required. Press Tab to go on to next field.
9. Group there are two groups defined in the system i.e. CORPT for Corporate Customer and RETAI for Retail Customer as shown in the above picture. List can be seen by pressing F2 .
10. Occupation of a customer (Mandatory field). It can be selected from the list available or its code can be entered manually. Press Tab.
11. Gender valid values are M for Male, F for Female and O for others. Press Tab.
12. Constitution (Mandatory) of a customer whether he is Individual, Joint, Trust etc.; can be selected from the list or its code can be entered and Press Tab.
13. Staff, the field may be Y if the customer_id is created for a staff member and N for non staff member.
14. Staff No. (Mandatory field if Staff flag is Y) this is to be filled in case the staff flag as described above is Y. But, in case staff is from any of the CBS branches then his employee id is to be given. Else, enter STAFF. For ex-staff members, enter STAFF in this field.
15. Minor, fill Y in case the customer is a minor, else enter N. Further, in case the minor flag is set as Y then it becomes mandatory to fill in the customer minor’s details by selecting M option (discussed later in this document).
16. Bank Code, this need not to be filled in. However, 024 is our bank code can be given.
17. Non Resident, enter Y if the customer is non resident and also capture the non resident details by selecting option N for Non Resident Customer Detail (discussed later in this document).
18. Nat. id card no.: enter national id card no. if any, this is required for verification of address, in case the customer wants to give this. Otherwise, this can be left blank.
19. Date of birth (Mandatory field if Minor Flag is Y): this is applicable in case the customer is minor. However, this can also be filled in if the customer-id is being created for Senior Citizen.
20. Marital status: is to be given Y if married or N if not married.
21. Introducer’s details (Mandatory): Customer_id: the Customer_id of existing customer, who is introducing this customer, is to be given. If the cust_id is entered, system will automatically pick up the name of the introducer. Customer id need not to be entered in case the introducer is not an existing customer in any of the CBS branches.
22. Name: applicable in case the customer_id is not to be given and introducer is not a customer in the CBS branches.
23. Introd. Status: to be selected from the list by pressing F2 and then Shift+F4, is to know as to who is introducer.
24. Frequency for Statement: may not be necessary to be filled in as this is required to be filled in at Account Level. This is applicable in case of generating combined statement of all the accounts of the customer. If the Combined Statement field is set to Y (3rd page), then the frequency for statement need to be filled in. Press F6, the system shall display next screen or next page on which the details of addresses of customer is to be filled in.
25. Address Type: Valid values are C, P & E (Mandatory field). Enter C for Communication Address (which is by default appearing), P for Permanent Address and E for Employer’s Address. Depending on the type of address selected in this field, system will print the address on the communications to be sent to the customer or on his/her pass book. Communication Address (Mandatory if Address Type is C) : Within this City, State, Postal Code, Country (Mandatory fields), Phone No., Telex No., Email_id, Swift code and if the Swift Code of a customer or of Bank may also be filled in. Press F6. System shall display next page.
Permanent Address (Mandatory if Address Type is P) : Within this City, State, Postal Code, Country (Mandatory fields), Phone No., Telex No., Email_id may be filled. Press F6. System shall display next page.
Page 3.
Employer ID & Employee No. Not mandatory fields, enter if Employer ID of customer is defined then select the same & give the Employee No. of the customer if any.
26. Employer Address (Mandatory if Address Type is E) : as stated above, similar details of the customer can be filled in here in addition to Mobile no.
27. Combined Statement (Mandatory field): By default value in this field is N. Enter Y if customer is to be enabled for combined statement of accounts of this customer. If this field is made Y, then statement of frequency (1st page) must be entered.
28. Language Detail: Lang Code: may be left blank or select from the list by pressing F2 and select by pressing Shift+F4. In fact this is the language code in which the Finacle shall work.
29. Nat Lang Name: may be left blank. Press F6. System shall display next page.
Page 4.
30. Customer Classification: Community: this can be selected from the list by pressing F2 and then Shift+F4, as to which community the customer belongs.
31. Caste: valid code can be entered from the list.
32. Health code: though now a days this is not valid, yet can be filled in from the list available.
33. Customer Rating: customer’s rating, as it is assigned at the time of making an advance to a customer whether his rating is AA, A+, A or B, can be entered.
34. As on: is the field on which the rating is assigned.
36. Card Details (Mandatory if Cr. Card Holder is set to Y): this is a free text field, the details of Cr. Card can be entered here.
37. Customer Preferential till Date: May be left blank. Enter the date till which the customer is entitled to Customer Preferential Rate. But in our bank we generally give Account Preferential Rate and not the Customer Preferential rate.
38. Customer Tax Details: TDS Exempt end date: Enter date up to which the customer is exempted from the tax; if no date is fed in, then the customer will always be eligible for TDS as per rules. Further, this detail is applicable in case of TDS exemption in Term Deposits when a customer submits 15H form.
39. Tax Slab: this is by default TDSGE (TDS general category), however, the other slab can also be selected from the list available, which can be seen by pressing F2.
40. TDS Cust_id: this is applicable in case there is joint account and the Customer_id is to be given here from which the TDS is to be deducted. Nothing is to be entered in Customer Floor Limit for TDS.
41. TDS Exempt submission Date: this is the date on which the TDS exemption certificate is submitted to the Bank.
42. TDS Exempt Ref. No.: enter the reference number of TDS exemption certificate.
43. TDS Remarks: any remarks related to TDS can be entered here.
44. PAN/GIR No.: enter the PAN/GIR number of Customer. Press F6, the system will display the next page of Customer’s Financial Details.
Page 5.
45. Customer Financial Details as on: enter the date on which the customer assets were evaluated.
46. Financial Yr. End month: enter the financial year and month for the customer.
47. Currency Code: enter the currency code.
48. Enter Salary amount of the customer in Salary Field.
49. Business Assets: enter the business assets of the customer.
50. Property Assets: enter the value of assets held in the form of property/ies.
51. Investments: enter the value of assets held in the form of investments. 52. Net worth: enter the net worth of the customer.
53. Deposits: enter the deposits of the customer in other bank.
54. Limits with other banks/institutions: enter customer credit limits with other banks or institutions.
55. As on: enter as on date for credit limits.
56. Fund Based: enter the total fund based limits of the customer.
57. Non-Fund Based: enter the total non-fund based limits of the customer. 58. Offline cum Debit Limits: enter maximum allowed offline debit
transactions limit in home currency.
59. Manager’s Opinion: enter the manager’s opinion about the customer. Press F6, the system will display the next page of Customer’s Charge Details.
Page 6
60. Charge Turnover Required: the default value has been set as N, however, it can be set as Y if customer wise charges report is required.
61. Charge Code: this can be selected from the list.
62. Acct Level Charges Account: account number of the customer from which the charges are to be recovered may be entered.
63. Sol_id: enter the sol id of the branch where the above account is maintained.
64. Cust Level Charges Account: enter account number for debiting customer level charges e.g. charges for combined statement which is defined in the customer master.
65. Passport No (Mandatory field, if Non Resident flag is set to Y on the 1st page of General Details): enter Passport Number of the customer.
66. Issue Date: enter date of issue of passport.
67. Passport Details (Mandatory field, if Non Resident flag is set to Y on the 1st page of General Details): enter other details of passport.
68. Expiry Date: enter passport expiry date.
69. Purge Allowed? By default it is given N. As at present no purging is allowed, therefore, this flag is not required to be changed.
70. Purge Remarks: this is the text field any remarks can be entered here. But as no purging is being done, it can be left blank.
71. Allow Sweeps? : By default value of this field is N, however, if sweeps is to be allowed between the accounts of a customer then it may be set as Y.
72. DSA id: May be left blank.
Press F6, the system will display the next page of Free Text Fields. D
73. There are 15 free text fields provided: enter any information relating to customer which could not be captured in the previous 6 pages and press F6 to go on to next page which is as follows:
As there is no Free Code defined in the system these Free Code 1 to 10 can be left blank. Press F6 the system will take you over to the very first page of the customer master maintenance.
Press F4; the cursor will be placed at Enter Option Block.
Currency Details:
Press F2, the system shall display the list of various options available and select E (Customer Currency Details) by pressing Shift+F4. The system shall display the following screen:
As it is displayed in the message bar above press Explode to go to the details screen, please press Ctrl+E to explode this screen. The system shall display the following type of screen:
Following four fields are displayed:
1) Withholding Tax % (by default it is 0.0000)
2) Floor Limit for With Holding Tax (this is also 0.00 by default) 3) Customer Preferential % (Cr.)
4) Customer Preferential % (Dr.)
Fields 1 & 2 may be filled with 0 (zero). Fields 3 & 4 may be left blank.
Field 1 and 2 are not to be changed and shall remain as it is. In case of 3 & 4 provided for Customer Preferential % Credit and Debit any +/- rate of interest can be given which will provide extra or less interest in case of Cr. and charge extra or less interest in case of Dr. in all his accounts opened in this customer_id. However, these fields are also not required to be filled in and shall remain unchanged.
Press F4 and system shall come back on the previous screen of E details. If the customer wants to open his account in some other currency then another currency can be added to his customer master. For adding another currency Press Down Arrow Key, the star (*) appearing just before the Currency already entered, will come down and second currency can be entered in the currency column or can be selected from the list, which appears by pressing F2, and selecting it by pressing Shift+F4 key. The following type of screen will appear:
Explode it by pressing Ctrl+E key, again the following 4 fields shall appear: 1) Withholding Tax % (by default it is 0.0000)
2) Floor Limit for With Holding Tax (this is also 0.00 by default) 3) Customer Preferential % (Cr.)
4) Customer Preferential % (Dr.) Repeat the process as described above.
Press F4; the cursor will be placed at Enter Option Block.
If no more information is required to be captured then press F10.
The system shall save the Customer creation details and generate Customer_id Number prefixing by D alphabet and suffixing 8 numerals e.g. D12345678. Note :
A. If the Minor flag on the 1st page is set to Y, then Customer Minor Details must be filled in.
B. If the Non Resident flag on the 1st page is set to Y, then Non Resident Customer Details must be filled in.
C. If the Trade Finance flag on the 1st page is set to Y, then Trade Finance Details must be filled in.
If the customer is a Minor, then make a minor flag as Y and the system shall automatically take you over to the Minor Customer Detail page as displayed below:
Date of Birth shall be displayed by the system itself picking up from the 1st page of General Detail and accordingly shall calculate date of Majority and display the same as shown in the above screen.
Guardian Code (Mandatory field) shall be selected from the list as to who shall be the guardian.
Guardian Name (Mandatory field) is the text field and the name of guardian can be entered here.
Address (Mandatory field), here the address of Guardian can be entered. City (Mandatory field) can be selected from the list available.
State (Mandatory field) can be selected from the list available.
Postal Code (Mandatory field) i.e. Pin Code of the place of guardian can be entered here.
Country’s name (Mandatory field) can be selected from the list. However, generally it will be IN i.e. India. Press F4, the system shall again take you back on the page of general details.
In case the customer is a Non Resident, then on the first page of General Details, Non Resident Flag is to be made Y. The system shall take you over to the page No. 6 as displayed above. The necessary details are to be captured pertaining to the non resident customer.
Also in the Enter Option field, select Non Resident Customer Detail by entering option as N in the option block and press F4, the following screen shall be displayed:
Nationality (Mandatory field): press F2 for list; select the country by pressing Shift+F4.
Date of becoming Non-Resident: enter the date on which the customer became Non Resident.
Country Code: press F2 for list; select the country by pressing Shift+F4. Country Type: valid values are B for Bilateral and E for External.
Relation Code: code of relation with the person, residing locally is to be given here. Select the code from the list available by pressing F2 and then by pressing Shiftf4.
Relative Name: enter the name of relative. This is a text field.
Local Address, City, State, Postal Code, Phone No. enter respective details in these fields.
State, Country can be selected from the list available, which can be seen by pressing F2.
Telex No. enter telex no. if any and
Non Resident Becoming Resident, enter date on which the non resident customer became resident. Normally this date shall remain blank till the customer’s status is non resident.
If a customer is a Trade Finance Customer, enter Trade Finance Customer’s flag Y and in the option block enter T for Trade Finance Customer Detail in Enter Option field and press F4.
The system shall display the following screen:
Name, Address, City, State, Country will appear by default. Enter Telephone No., FAX and Telex, if any.
Code given by Central Bank: enter Exporter/Importer’s code assigned by RBI. Code given by Trade Authority: enter the code allotted by the Trade Authority.
Exp/Imp? Enter valid values, E-Exporter, I-Importer, B-Both, P-Exporter eligible for RPC, A- Exp and Imp eligible for RPC, O-Others.
Native: enter Y if the customer is a native of the country, else N. Review Date: enter Importer/Exporter latest review date, if any. SSI? Enter Y if Small Scale Industry, else N.
100% EOU? Enter Y if a 100% Export Oriented Unit.
Status: Valid values are E, I & B. Enter E, for Export Caution, I for Import Caution & B for Both Import and Export Caution, else left blank if no caution is to be marked.
Party Const: Enter the constitution of the customer as to whether he is an Individual, Company etc. The same can be selected from the list (Press F2 for List) & (Shift F4 for selection of a code from the list)
Special Party? Enter Y, if the customer is a special party, else N.
Party Type: Select from the list available as to whether the party is an Importer, Exporter or Other. The other code is also available.
Production Cycle: Enter the number of days required to process and ship the goods for export.
After the above fields have been captured the screen will look like as follows:
Forward Contract Limit: enter forward contract limit, if any, specified for the party.
DC Sanctioning Authority: who has sanctioned the documentary credit limit, its valid code from the list available, is to be entered here.
FC Sanctioning Authority: enter the code of sanctioning authority of Forward Contract as per the list available.
Authorised Signatory 1, 2 & 3, enter the name of authorised signatory in the columns provided.
DC Margin Percentage: enter margin prescribed for Documentary Credit.
DC Sanction Expiry Date: enter the date on which the DC Sanctioned limit is to expire.
DC Next Number Code: enter code for generation of DC number as per the list available or select from the list by pressing F2 and then ShiftF4.
Remarks: enter remarks if any. Press F4, the system shall take you over to the enter option field.
Enter U for capturing detail of Buyer or Seller Limit Detail and Press F4. System shall display the following screen:
Here the details of Buyers and Sellers of the customers can be captured.
Drawee Code: enter the drawee code of the customer, (this code can be captured through the menu option FPCM Foreign Party Code Maintenance). Enter the party code in the first column, go on to the next field by pressing Tab and enter whether applicable U for Usance Bills and S for Sight Bills. Here U and S do not have any validations. Go to the next field. This field is applicable to delete flag, which need not to be filled in. This is applicable in case the detail of any party is to be deleted. Press Tab for next field.
Enter/Select Currency Code from the list (press F2).
Press Tab, enter limit upto which limit import from this party is fixed. Press Tab, enter Utilised Import Limit so far.
Press Tab, enter similar details for Inland Bills in the next two columns. Similarly capture the details of Export Limit for export to a particular party. Press F4, system shall take you over to the option block again.
Persons Details:
In this option detail of persons associated with the company like Director, Guarantor etc. can be entered.
Enter P at the Option Block and Press F4; the system shall display the following screen:
Enter the customer id of the related person and press F11, the system shall display the name of the person whose customer id is given here. Press Tab, enter the relation code of the person from the list available with F2. Press F4, the cursor shall appear on to the Option Block. The necessary information relating to a customer creation is complete.
Press F10 to COMMIT. System shall generate a Customer_Id.
Customer Verification:
The verification of a customer creation can be done by the different user through the menu option CUMM. The procedure is given hereunder:
Menu Option CUMM: Press Enter: Function: V (verify), press Tab or Enter Key, enter Customer_id generated by the system or Press F2 the system shall display list of all the customer_id created/modified pending for verification, select the customer_id (which is to be verified) by pressing Shift+F4. Press F4, the system shall display the particulars of the customer entered in General Details. Press F6, the system shall display the next page. Visit all the 7 pages of General Details by pressing F6 (six times) and check the details entered by the user. When F6 is pressed for 7th time the system shall display the first page of General Details. Press F4, the cursor shall blink at the option block.
Visit Currency Details by entering E at the option block and then by pressing F4. Explode the currency screen by pressing Ctrl+E. Press F4 twice, the cursor shall blink at the option block again.
If no other details are entered, press F10 to commit. The system shall display the message ‘Record Verified’, which effectively means that the cust_id is verified. Note :
Following options need to be visited, during verification, for the Minor, NRE, and Trade Finance Customers.
a) In case of Minor, capture G, E and M details before verification.
b) In case of Non Resident Customer, capture G, E and N details before verification.
c) In case of Trade Finance Customer, capture G, E, T, U (if applicable) details before verification.
d) P (Persons Details) can be captured wherever required. The Customer Creation and Verification is thus complete.
Modification of a Customer_id
System allows modifications of customer_id details, through the menu option CUMM.
Menu option – CUMM. In function field, type M (Modify), enter Cust_id in the Customer id field and Press F4. The system shall display General Details of the customer. Modify the details wherever necessary. Follow the steps as explained in creation of cust_id.
In case of a modification is done in customer_id, the same is required to be verified by the other user. The verification procedure is the same as described above through the same menu i.e. CUMM.
In case, if any modification in the record of Customer_id has been erroneously done, the same may not be verified. Only the user who has modified the details can cancel the same. The system shall cancel all the modifications effected last which are not verified and restore its previous status. To cancel the modifications, in function field of CUMM, enter X (Cencel), enter the cust_id in customer id field, Press F4 twice and Press F10 for commit.
Suspending a Customer_id
A customer_id can be suspended in Finacle. The suspended customer’s existing accounts will continue to be operated upon but new account using the same customer_id can not be opened during the currency of his customer_id Suspension. However, the suspended customer_id can be unsuspended again. The suspension of a customer and its verification can take place through menu option CUMM.
A customer can be suspended by entering D in the Function Block and Customer_id, which is to be suspended, followed by pressing of F4 twice and then F10 for Commit; the same is required to be verified by the other user. The verification can be done through menu option CUMM, by entering V in the function block and after entering Customer_id, which has been marked as suspended, by pressing F4 twice and then F10, for Commit, the verification of a suspended customer is complete.
To unsuspend a customer the procedure is exactly the same (as described above) except entering U (for unsuspend) in place of D above in the Function field of CUMM menu option. The rest of the procedure is the same. This also requires verification.
Inquiry of a Customer
Inquiry of a customer can be made through menu option CUMM or CUMI. Invoke menu option CUMM, Enter I (inquiry) in the Function field, enter Customer Id of a person whose Customer details is required to be inquired into. By pressing F4 system shall display the details of a customer. Various details pertaining of a customer can be inquired into by entering required option in the option block and then by pressing F4. The next page/screen can be visited by pressing F6 as described above. Similarly, inquiry through CUMI can also be made because the system displays the same screen as it displays in CUMM menu option.
Customer Selection
Customer Selection, I.e. selection of customer id/s or customer/s or inquiry of a customer, can be made through the menu option CUS filling in various parameters available therein. This is a menu option through which we can select a particular type of customer/s by opting criteria as seen in the following screen:
We can enter Name or Short Name & Press F4; system will display all the customer ids, created starting with the said name of all the SOLs. If the said selection is to be made only of a particular SOL, then SOL id can be given, the system will display the records as per selected criteria by reducing its information to the said SOL only. Similarly, selection of customers can be made by giving any criteria as available in the above screen. The selected records can be further exploded by pressing Ctrl+E keys, to see more details.
For the convenience of User, we have shown a selection, which has been made on the basis of Community. This can be selected (by pressing ShiftF4) from the list available (PressF2) then after selection & acceptance, the screen which will appear is shown on next page. A user may select any record and explode the same by pressing Ctrl+E. The system shall display the details of the customer, same as CUMM/CUMI, function I.
Change Customer_Id.
If a customer_id is to be changed of an account, as it is required in case of migrated accounts, where a customer is having more than one account and during migration each account is assigned a different customer_id, then by using menu option CCA, Customer_id of an Account can be changed. Change of Customer_id can be done even after the account is verified.
How to change Customer_Id ?
Menu option – CCA (Change Customer Id of Account) Screen 8 shows various fields in this menu option.
Invoke menu option CCA. 1. Function – M (Modify)
2. A/c No., enter Account number of which cust_id needs to be changed and Press F4. System will display the cust_id of the Account No. entered. The cursor will blink on Customer Id field displaying the existing Customer Id of the account as shown below:
3. Customer id, change the Customer id and Press F10 to commit.
Change in Customer_id needs to be verified by another user through same menu option i.e. CCA.
Procedure for verification:
Invoke menu option CCA, enter V (verify) in Function field, fill in Account Number (or select Account No. from the list by pressing F2 and then Shift F4) and Press F4. System shall display the changed Customer_id. Press F10. The Customer_id will stand changed.
Summary
1. Customer_id is created through menu option CUMM.
2. ‘G’: General Details & ‘E’ Currency Details are mandatorily to be filled for each type of customer creation.
3. Customer creation for Staff: Enter the Staff Flag as ‘Y’ in General Details and enter his PF Number in Staff No. Field, if he is a staff of a CBS implemented branch. If the staff member is not from the CBS implemented branch or Ex Staff member then enter STAFF.
4. Customer_id creation for Minor: Enter the Minor Flag as ‘Y’ in General Details and in addition to the ‘G’ & ‘E‘ details i.e. Currency Details also enter the minor details through sub option ‘M’ (Customer Minor Details).
5. Customer_id creation for Non Resident: Enter the Non Resident Flag as ‘Y’ in General Details. Also enter the Non Resident Customer Details through sub option ‘N’, in addition to ‘G’ & ‘E’ details.
6. Customer_id creation for Trade Finance customer: Make the Trade Finance Customer Flag as ‘Y’ in General Details. Also enter the Trade Finance Details through sub option ‘T’ in addition to ‘G’ & ‘E’ details. 7. Fill other details if required.
8. Verify Customer Creation
Customer Master Print: For printing the customer master, use menu option CUMP. Through this menu option printing of customer master can be done by giving a customer_id or range of customer_id. This report can also be generated on the basis of selecting various other criteria like Customer Group, Occupation, Constitution, Sector, Subsector, Health Code, Rating, Community, Suspended, Staff only, Minor only, Non Res. Only, Authorised, Purge Flg etc. Invoke menu option CUMP, enter user’s name in the Report to Field and fill in the other criteria, on the basis of which the report is to be generated, & Press F4. A small window on the screen will appear. Enter the values as follows:
Fore/Background? F
Press F10 to commit. Press F3 to go back to the main menu. Invoke menu option PR (Print Report). To view this report make sure that (greater than sign) > is appearing before the name of the report you want to view. Enter T in the field in which the cursor is blinking & Press F10. The system will display the report. Press F4 to scroll up the report and Press –F4 to scroll down the report. For printing the report, please position > sign before the report you want to print and Press Ctrl E. Fill No. of Copies field as displayed in the screen on next page and Press F4 to come back on to the previous screen. Enter P in the column in which the cursor is blinking and Press F10. The report will start printing. In this regard please make sure that before printing the report Ilinkweb and Printer must be on.
Chapter’s Related Menu Options: CUMM, CUMI, CUS, CCA, CUMP & CRV.
CRV
CRV is the new menu option through which we can inquire not only the information about the Customer but also of his accounts. When menu option CRV is executed the following screen will appear:
in the above screen there are two type of details which can be accessed by clicking of Mouse: 1. Customer Details & 2. Account Details. On clicking of mouse the system will show another screen wherein certain inputs are required to be entered and then submit the same. The system will then generate the related inquiry. Suppose if we want to see the General Detail of the customer then click on General Detail, the system will show the following page. As the page is big so it has been shown in two parts:
The user may enter the criteria and click on SUBMIT button, the system
will show the related information.
OPENING OF SB/CA ACCOUNTS & MAINTENANCE
Prepared by: Aditya Singh Faculty, IT Centre, Faridabad To open any customer account in Finacle, customer has to have a cust ID (menu option CUMM). All types of accounts can be opened through the one menu option i.e. OAAC. Opening of new account needs verification, which can be done through OAACAU.
Mandatory options in OAAC – G (General Details) & S (Scheme Details)
Optional options in OAAC – N (Nomination Details), A (Related Party Details) – for joint A/c
holders’ details etc.
A. How to open SB/CA account ? Menu option – OAAC
Screen 1
2. Customer ID – Enter cust id. If the short name of customer is known, type it and press F2. Select customer from the list by pressing Shift+F4.
3. Currency – Default INR (Indian Repees) is displayed. The system will allow to open an account in currency which have been added in customer ID (option E-Customer Currency Details).
4. Scheme Code – type SB and press F2. In the list, first all scheme codes under ‘Inoperative’ GL subhead will be listed. Press Control+D (page down) and select scheme code under ‘Saving Fund’ GL subhead, by pressing Shift+F4.
5. GL Subhead – system displays the GL subhead automatically. 6. Permanent A/c No. – Nothing to be entered.
7. Copy A/c No. – Nothing to be entered. Press F4. Account Opening form will be displayed. 1st Page
Screen 2
8. Acct Name – System will automatically display the name of the customer entered in Cust-ID record. System allows changing the name, but system will raise related exception after committing the verification of account. If the user who is verifying the account has sufficient work class, he can override the exception by pressing F4 and verify the account.
9. Acct Short Name – This will be automatically displayed from Cust-ID. User can change the short name.
10. A/c open Date – BOD date is displayed. User can change the date.
11. Special Charge Code – This field is used to give preferential charges. Press F2 to see the list. Press Shift+F4 to select respective charge code. 12. Mode of Operation (Mandatory) – Press F2 and select it by pressing
Shift+F4.
13. Location Code – Enter the population group to which customer belongs e.g Metro, Urban etc. Press F2 and select it by pressing Shift+F4.
14. Account Mgr. – User id of employee who is attached to this account as relationship manager can be entered. Only employee Ids which are available in the list can be selected. Press F2 and select it by pressing Shift+F4.
15. Cash Exception Limit Dr. - Default values is 99999999999999.99. E.g. if user wishes that system should raise an exception if user tries to debit this account equal or above Rs.100000/- by cash, the user can enter 100000 in this field.
16. Cash Exception Limit Cr. - Default values is 99999999999999.99. E.g. if user wishes that system should raise an exception if user tries to credit this account equal or above Rs.100000/- by cash, he can enter 100000 in this field.
17. Clg. Exception Limit Dr. – Applicable for clearing. 18. Clg. Exception Limit Cr. – Applicable for clearing. 19. Xfer Exception Limit Dr. – Applicable for transfer.
20. Xfer Exception Limit Cr. – Applicable for transfer. If the limits as mentioned in point 15 to 20 are changed by the user, system will raise exception ‘Override Default Check’ when the user commit verification of account; if the verifying official has sufficient work class he can override the exception by pressing F4 key and authorize the account verification. 21. Remarks – free text field.
22. A/c Report Code – Default is ZERO. 23. Ledger no. – may not be necessarily filled.
24. Collect Charges – Default is Y. This means, system will collect account maintenance charges as and when they are due.
25. Turnover Details- Default is N. May be kept as it is. This field is Y, if customer wishes to have account turnover details.
26. Relative to Staff – Default is N.
27. Relative Staff ID – If above field is set to Y, Staff Id in this field need to be entered. The employee having the staff id entered in this field is barred from entering any transaction in this account.
Press F6 to go to Next Page.
Screen 3
28. Passbook/Statement – Valid values are P-Passbook, S-Statement, R-Deposit Receipt, B-Both P & S, N-None.
29. Statement – If ‘Passbook/Statement’ field is set to S (Statement) or B (Both P&S), frequency for statement must be entered. There are five fields in statement.
Field 1: D – Daily, W – Weekly, M – Monthly, F – Fortnightly, Q – Quarterly,
H – Half yearly, Y – Yearly
Field 2: 1 - First, 2 - Second, 3 - Third, 4 - Fourth week, M - Mid week, L – Last Week
Field 3: 1-Sunday, 2- Monday… 7- Saturday & 8 - No weekly of Field 4: Date of issue - 1 to 31
Field 5: For Holiday N – Next, P – Previous, S – Skip
Fields 2 & 3 are not required if frequency (field 1) is monthly, quarterly, half yearly and yearly
Fields 2 ,3 & 4 are not required if frequency (field 1) is daily and fortnightly Fields 2 & 4 are not required if frequency (field 1) is weekly
