ANDHRA PRAGATHI GRAMEENA BANK HEAD OFFICE: KADAPAapgb.in/files/1_6_506d6e6100d8a.pdf · ANDHRA PRAGATHI GRAMEENA BANK HEAD OFFICE: KADAPA Cir No: 135 – 2011 – BC - ITD Date: 25.05.2011

ANDHRA PRAGATHI GRAMEENA BANKHEAD OFFICE: KADAPA

Cir No: 135 – 2011 – BC - ITD Date: 25.05.2011 CIF AND ACCOUNT OPENING IN CBS

The Account opening procedure in CBS is also based on Customer ID concept similar to TBM. The Customer ID in CBS is called as CIF No (Customer Information File Number). Before creating any account for a Customer, the CIF No is mandatory. The procedure to create the CIF and all types of Accounts like Savings Bank/PJSB/CA, various Term Deposits, CC/OD Accounts, Loan Accounts, etc., is given in the ANNEXURE.

The list of products under Deposits and Advances is also given in the ANNEXURE. The parameters to be entered for various products are given at the last, which will be very informative and handy to the staff at the time of opening an account.

The software vendor has informed that daily reports are being pushed to all the CBS Branches regularly. If any of the CBS Branches are not receiving the daily reports, inform the same to the IT Department, HO through their respective Regional Offices. The customization of daily reports is under the process and will be completed shortly.

Till the CBS software is stabilized, the Branches have to verify the Interest and other charges at the time of closing the accounts.

All the CBS Branches are advised not to use the Remittance Module for Inter-Branch remittances like APGB-DD, Syndicate Bank – DD, IBRR. The Branches have to draw the IBRR statements manually and submit to the respective Regional Offices.

Please circulate this Circular to all the staff working in the Branch.

Clarifications, if any, required may be sought from the IT Department/LHD through their respective Regional Offices.

(K PREETAM LAL)CHAIRMAN

Annexure to Cir No 135 - 2011- BC – ITD dated 25.05.2011

ANNEXURE II

CREATION OF CIF - PERSONAL

CIF stands for CUSTOMER INFORMATION FILE. It is just like Customer ID in TBM.Important points to remember:

The fields in aqua marine (green) colour are mandatory. Other fields are optional. First name and last name are mandatory fields. In case, a Customer’s name has only

one word, such names should be entered against last name and a dot(.) should be entered in the first name field.

For CIF to be operational it should have minimum 110 points to fulfill the KYC norms. In case, the points are less than 110 points the accounts opened for the CIF will have stop status.

Path: Customer management Create Create Personal Customer

In this screen, enter the fields asStatus: Active VIP code: Select ‘YES’ for VIP customers only.Customer type : Select the appropriate customer type from the drop down box (For e.g. 010103 - Personal Public Others, 010102 - Personal Staff Member)Title : Mr., Mrs., miss, m/s etc (Select appropriate title code as required).First name : Enter the first name of the customer (Mandatory).Middle Name : Enter the middle name if available.

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Last name : Enter the last name (surname) of the customer (Mandatory).Father/Spouse : Enter the Father’s/Spouse name from a/c opening formName Relative code : Enter the relative code (Father / Spouse)Mother’s Maiden : Enter the first name of the mother of the customerNameDoor/Flat No. / : Enter Door/Flat No./Bldg/SocietyBldg/Society Street/Road Enter Street/Road Name/BlockName/BlockLocality/Village/ : Enter Locality/Village/TehsilTehsil District : Enter name of the DistrictCountry : Select IN – INDIA (from the Drop down Box) for resident IndiansState : Select from Drop Down Box City : Select state code and search (First 3 digits of Pin Code/Post Code)Post code : Put six digits postal index code (Pin code)Language : By default it is 1: EnglishPhone Home : Enter residential phone number of the customerPhone Business : Enter business phone number of the customerMobile Number : Enter Mobile number of the customerFax Number : Enter Fax number of the customerDate of Birth : Enter date of birth of the customer - [It is Mandatory]Gender code : Enter gender code of the customer – [It is Mandatory]Marital status : Enter marital status of the customer (Single/Married etc.)Nationality : Select from drop down box (for e.g. IN: INDIA)Domicile : Select from drop down box for e.g. IN: INDIA)Occupancy : Select from drop down box (For e.g. Home Owner/Tenant etc.)Residential status : Select from drop down box (For e.g. RI/NRI etc.)Date of Perm Return : Enter date (Applicable for NRI Accounts)

Please click ‘Next’ button

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Identification:First ID Type : Select from drop down box (Passport etc.)

(Enter 43-Voter ID Card and 44-Ration Card)ID issued at : Enter Place of issueFirst ID number : Enter the number as appearing in the document provided

By customer – (It is Mandatory and Unique)Second ID Type : Second ID type if requiredSecond ID No. : Second ID No. if Second ID type is givenIntroducer : CIF No. of the introducerVisa Details : Mandatory in case of NRICustomer Risk : Do not change default valuesCustomer Details : ( Additional details of customer)Segment Code : Select from Drop down Box(for e.g. 0306:STAFF, 0706:

INDIVIDUAL /WIDOW/HANDICAPPED/SR.CITIZEN, 0806:NRE, 4000:SOCIETY, 5000: TRUST, 5007: PROFESSIONALS, 5050: OTHERS)

CIS Orgn Code: 41 : Individual Male etc.BSR Orgn Code : As applicableTrade customer : Yes / NoApply TDS : Yes / No

Please click on Finish.Note down the Group / Queue No. and send for Authorization.

On Successful Authorization, a message appears like this “O.K. 003 229961500393-6 00009, 007 0000110”

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Supervisor is advised to Note the generated CIF Number 2299615003936 in the Account opening form. Where: 003 is institution code, 2299615003936 is CIF numberwith check Digit “6”, 00009 is branch code, 007 is makers terminal number and 0000110 is Maker’s teller number.

Note: for CIF to be operational, it should have minimum 110 KYC points, made up of identity proof (99 points) and proof of address (11 points). If KYC points are less than 110 points, the accounts opened for the CIF will have STOP status . The ID “41: ID acceptable to the Branch Manager” is to be selected only with the Branch Manager’s permission. A register is to be maintained for the ID serial number.

CREATION OF CIF- NON-PERSONAL

Path: Customer Management Create Create Non-personal customerIn this screen, enter the fields asStatus: active VIP code: select ‘YES’ for VIP customers.Customer type : Select the appropriate customer type from the drop down box (For e.g.

020402: NONPERSONAL-LIMITED CO’S-PUBLIC)Business Name : Enter the name of the company/firm.Door/Flat No. /Bldg/Society : Enter the details as per the account opening form.Street/RoadName/Block : Enter the details as per the account opening form.Locality/Village/Tehsil : Enter the details as per the account opening form.District : Enter name of the DistrictCountry : Select IN – INDIA (from the Drop down Box) for resident IndiansState : Select from Drop Down Box City : Select state code and search (First 3 digits of PinCode/Post Code)Language : By default it is 1: EnglishPhone Home : Enter residential phone number of the customerPhone Business : Enter business phone number of the customerMobile Number : Enter Mobile number of the customerFax Number : Enter Fax number of the customerNationality : Select from drop down box (for e.g. IN: INDIA)Date of establishment: Type the date of establishment of the company/firmDate of commencement: Type the date of commencement of the company/firmIdentificationFirst ID Type : Select from drop down box (Passport etc.)ID issued at : Enter Place of issueFirst ID number : Enter the number as appearing in the document provided

by customer – (It is Mandatory and unique)Second ID Type : Second ID type if requiredSecond ID No. : Second ID No. if Second ID type is given (It is also unique)Introducer : CIF No. of the introducerHome Branch : leave blankCustomer evaluation

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Required : applicable for corporate CIFRequest for INB : select Yes if required.Email/MailID : select 02-mail.Customer type : select from drop down boxSegment Code : Select from Drop down BoxCIS Orgn Code : select from drop down boxBSR Orgn Code : As applicableTrade customer : Yes / NoApply TDS : Yes / NoPlease click on Finish.Note down the Group / Queue No. and send for Authorization.

On Successful Authorization, a message appears like this

“O.K. 003 229961500393-6 00009, 007 0000110”

Supervisor is advised to Note the generated CIF Number 2299615003936 in the Account opening form. Where: 003 is institution code, 2299615003936 is CIF number with check Digit “6”, 00009 is branch code, 007 is makers terminal number and 0000110 is Maker’s teller number.

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OPENING OF SB /PJSB/CA ACCOUNT

IMPORTANT POINTS TO REMEMBER: Account segment code and customer type should be compatible with those of CIF. The

selected combination of all fields like Product, Type etc. are validated against the product parameters set up at CDC and hence an invalid code if entered will generate an error message.

For Opening Staff SB Accounts, Select Savings Cheque only in Product.Path: Deposits/CC/OD Accounts & ServicesCreateNew Deposit Account

In this screen enter the CIF of the customer to whom account is to be opened and click on transmit. Next screen appears.

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1st Tabbed Screen Core Options is displayed with name ,Adress,CIF No. and ID No.of the customer.PRESS TAB KEY TO MOVE CURSOR TO THE NEXT FIELD IN ORDERThe fields in the screen are as below.

Account open date, bkdt int recalc freq : Blank for SB (only for opening back dated accounts especially for TD)Acct sgmt code : Select appropriate option.

Product : Select required option from the drop down menu (e.g.’10: Savings-chq’ or ’11:Savings-No Chq for SB, select 11:Savings-No Cheque for PJSB, select “CA” for Current Account).

Type : Select appropriate option e.g’11:General for SB/CA’; ’63:No Frill account for PJSB’.Customer category : Select appropriate option e.g ’1: Public Individual’; ’2: Public others’;

’3: Staff individual’; ‘4: Senior Citizen etcLocation/term : Select from drop down (eg. 27-Rural, 25-Semi-Urban, 28-Urban for

SB/CA) (select “10-ALL” for Staff and PJSB)Currency : 1- INRInterest payment field : Select “R-Re-invest” for SB/PJSB/CA accounts.

The combination of Product(2 digits), Type(2 digits), Customer Category(1 digit), Location/Term(2 digits) and Currency(1 digit) defines the Product Code. The details of the Product Code and Description are given in ANNEXURE.

For Nomination details, the respective fields under the Tab Govt./PPF/Cr Card details have to filled up as follows:

Enter the CIF number of the nominee and nomination required flag as “Y” and click on transmit. A Queue will be generated. Send this Queue for authorization to the checker. After authorization of the Queue, account number will be generated at the bottom of the screen.

“O.K. 003 9000000393-6 00009, 007 0000110”

Supervisor is advised to Note the generated Account Number 90000003936 in the Account opening form. Where: 003 is institution code, 90000003936 is Account number with check Digit “6”, 00009 is branch code, 007 is makers terminal number and 0000110 is Maker’s teller number. Note down the account number on the account opening form.

NOTE: Non-personal SB/CA accounts may be opened in a similar fashion by choosing appropriate field values for a Non personal Customer CIF NO.

OPENING OF TERM DEPOSIT

IMPORTANT POINTS TO REMEMBER: Account segment code and customer type should be compatible with those of the

CIF.

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All TD accounts should be funded on the date of opening failing which the account will be closed at the time of EOD.

1. OPENING OF RD/LAKSHADHIKARI ACCOUNT:The path to open a RD type of account isDeposit/CC/OD Accounts & Services Create New Deposit AccountEnter the CIF of the customer and click on transmit(PRESS TAB KEY TO MOVE CURSOR TO THE NEXT FIELD IN ORDER)

PRODUCT NAME PRODUCT

TYPE

FIXED DEPOSIT 20 11ASHAYA DEPOSIT 21 21PRAGATHI TAX SAVER MONTHLY 21 24FIXED DEPOSIT -QUARTERLY 22 11PRAGATHI CASH CERTIFICATE 25 15PRAGATHI UJWALA 25 17KANAKAVARSHA 25 18RECURRING DEPOSIT 28 11LAKSHADHIKARI 28 16

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Acct sgmt code : Select from drop down(0706-PUBLIC, 0306-STAFF, 5050-OTHERS etc.]

Product : Select “28-RD”Type : Select 11- General for RD and 16-LAKSHADHIKARI for Lakshadhikari productCustomer category : Select appropriate option from the drop down menu (eg. 1-public

individual, 2-public others, 3-Staff, 4-Senior Citizen)Location/term : Select appropriate option from the drop down menu depending

upon the period of deposit( Select code No. 29-36M/63M Months for Pragathi Lakshadhikari)

Currency : INRInterest pay method : “Re-invest”

CLICK ON ‘Term A/c Option’ Tab

Term basis : Select always ‘M:Months’ for RD type of accounts.Term Value Deposited : Keep default value i.e.0Interest frequency : Select M: MATURITY Term days : Leave it blankTerm months : up to 11 months Term years : up to 10 years

Term length : Leave it blank

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Ex: If a deposit is for 63 months, then enter 5 in term years and 3 in term months

RD expected installment : Installment amount of RDRD installment due day : Keep blank for Default Month end dateRD instl. Freq : MonthlyIf you want to enter Nominee particulars, then click ON GOVT/PPF/CR.CARD DETAILS TAB.After authorization of the Queue, 11 digit account number will be generated. Note down the account number. 2. OPENING OF FIXED DEPOSIT: (upto 364 days) Go toDeposit/CC/OD Accounts & Services Create New Deposit AccountEnter the CIF of the customer and click on transmit

In the product : Select “20-TDR”Type : GENERALAcct sgmt code : Select from drop down boxCustomer category : Select from drop down box Public-individual, Staff, Senior Citizen etc.Location/term : Select valid options from the drop down box.Currency : INRInterest pay method : “TRANSFER or TRANSFER TO BGL” and enter the account number to which the interest is to be transferred in “Transfer Account” field.

Then go to term a/c options tabbed screen

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Term basis : D: days for all TDR’sInterest frequency : Select M:MaturityTerm days : Up to 29 days (days >29 should be entered in months or years)Term months : Up to 11 months (months> should be entered in years field)Term years : Up to 10 yearsTerm length : Days onlyEx: If a deposit is for 15 months, then enter 1 in term years and 3 in term months If it is for 45 days, then enter 1 in term months and 15 in term days or 45 in term length.3. OPENING OF FIXED DEPOSIT: (365 days to 10 years) Go toDeposit/CC/OD Accounts & Services Create New Deposit AccountEnter the CIF of the customer and click on transmit

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In the product : Select “22:TDR-3M”Type : GENERALAcct sgmt code : Select from drop down boxCustomer category : Select from drop down box Public-individual, Staff, Senior Citizen etc.Location/term : Select valid options from the drop down boxCurrency : INRInterest pay method : “TRANSFER” or TRANSFER TO BGL and enter the account number to which the interest is to be transferred in “Transfer Account” field.


Term basis : D: days for all TDR’sInterest frequency : Select 3M: QUARTERLYTerm days : Up to 29 days (days >29 should be entered in months or years)Term months : Up to 11 months (months> should be entered in years field)Term years : Up to 10 yearsTerm length : Days onlyEx: If a deposit is for 15 months, then enter 1 in term years and 3 in term months If it is for 45 days, then enter 1 in term months and 15 in term days or 45 in term length.

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4.OPENING OF AKSHAYA DEPOSIT: Go toDeposit/CC/OD Accounts & Services Create New Deposit AccountEnter the CIF of the customer and click on transmit

In the product : Select “21: TDR-1M”Type : AKSHAYA DEPOSITAcct sgmt code : Select from drop down boxCustomer category : Select from drop down box Public-individual, Staff, Senior Citizen etc.Location/term : Select valid options from the drop down boxCurrency : INRInterest pay method : “TRANSFER” and enter the account number to which the interest is to be transferred in “Transfer Account” field.


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Term basis : D: days Interest frequency : Select 1M: MONTHLYTerm days : Up to 29 days (days >29 should be entered in months or years)Term months : Up to 11 months (months> should be entered in years field)Term years : Up to 10 yearsTerm length : Days onlyEx: If a deposit is for 15 months, then enter 1 in term years and 3 in term months If a deposit is for 45 days, then enter 1 in term months and 15 in term days or 45 in term length.

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5.OPENING OF PCC DEPOSIT:To open an STDR (Interest Cumulative Accounts) like PCC, KANAKA VARSHA, UJWALA, TAX-SAVER etc. Go toDeposit/CC/OD Accounts & Services Create New Deposit AccountEnter the CIF of the customer and click on transmit

In the product : Select “25: STDR”Acct sgmt code : Select from drop down boxType : Select Pragathi-CCCustomer category : Select from drop down box Public-individual, Staff, Senior Citizen etc.Location/term : Select valid options from the drop down boxCurrency : INRInterest pay method : “Re-invest” for all Interest Cumulative deposits.


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Term basis : D: days for all TDR,STDRInterest frequency : Select “MATURITY” for all Interest Cumulative Products

Term days : Up to 29 days (days >29 should be entered in months or years)Term months : Up to 11 months (months> should be entered in years field)Term years : Up to 10 yearsTerm length : leave blank

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6.OPENING OF KANAKAVARSHA DEPOSIT:To open an STDR (Interest Cumulative Accounts) like PCC, KANAKA VARSHA, UJWALA, TAX-SAVER etc. Go toDeposit/CC/OD Accounts & Services Create New Deposit AccountEnter the CIF of the customer and click on transmit

In the product : Select “25:STDR”Acct sgmt code : Select from drop down boxType : Select “KANAKAVARSHA”Customer category : Select from drop down box Public-individual, Staff, Senior Citizen etc.Location/term : Select 500 DAYSCurrency : INRInterest pay method : “Re-invest” for all Interest Cumulative deposits.


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Term basis : D: days Interest frequency : Select “MATURITY”

Term days : Leave blankTerm months : Leave blankTerm years : Leave blankTerm length : 500

Similar is the procedure for Pragathi Ujwala except 750 in Term length and Location/Term.

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7 . OPENING OF NITYANIDHI DAILY DEPOSIT Go to Deposit/CC/OD Accounts & Services Create New Deposit AccountEnter the CIF of the customer and click on transmit

In the product : Select “28:RD”Type : 45: Daily DepositAcct sgmt code : Select from drop down boxCustomer category : Select from drop down box Public-individual, Staff, Senior Citizen etc.Location/term : ALLCurrency : INRInterest pay method : “RE-INVEST”.


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Term length : 63Term basis : M: months Interest frequency : Select MaturityTerm value deposited : 0Term days : leave blankTerm months : leave blankTerm years : leave blank

RD expected installment: leave blankRD installment due day : 9RD instl. Freq : MonthlyIf you want to enter Nominee particulars, then click ON GOVT/PPF/CR.CARD DETAILS TAB.After authorization of the Queue, 11 digit account number will be generated. Note down the account number.

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JOINT ACCOUNT

For opening a joining a/c, the steps to be followed are:

STEP1: Open CIF for all the joint a/c holders.

STEP2: Open the a/c with the one of the CIFs of the joint a/c holders.

STEP3: Then link the remaining CIFs to the account opened in step 2 in the following path.

Customer ManagementRelationships/ownershipsRelationships

In this screen, enterRequired Action : AddID : CIF which is to be linked to the a/cEntity : CUS: Customer Information MasterRelationship required : Joint a/c holderRelationship type : All Click on Transmit. Next screen appears. In this screen, enter as follows

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Entity 2 : Account number to which the CIF is to be linked (a/c opened in step2Entity type : ACC: Any Account based EntityStatus : ActiveClick on transmit. Queue will be generated. Authorize the queue.In the similar way add all the remaining CIFs to the account.

Step 4: Set the mode of operation to the account as follows.

Path: Deposit/CC/OD Accounts & ServicesAmendDeposit/CC/OD Account

Enter the account number in “ACCOUNT NUMBER” field and in the option field select “B: MODE OF OPERATION” from the drop down box and click on transmit.

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In this screen, system shows the modes of operation available with “0” flag against it. Make the flag as “1” against the mode of operation as per the customer mandate and click on transmit.

Queue will be generated. Authorize the queue.

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STEP 5: Add the authorized signatories of the account in the following path.

Path: Deposits/CC/OD Accounts & ServicesAmendDeposit/CC/OD Account

Enter the account number in “ACCOUNT NUMBER” and in the option field select “5: ACCOUNT NAMES” and click on transmit.

In the second screen, enter the names of authorized signatories in “SHORT ACCOUNT NAME” field separated by commas and click on transmit. A queue will be generated. Authorize the queue.

We can view the authorized signatories of the account in F7 option

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CREATION OF CC/OD ACCOUNT

NOTE: For ODD account the rate of interest has to be given manually by selecting SET RATE and give the interest rate in RATE field; otherwise system will charge 0% interest rate. For all other products, system will pick up interest rate based on product parameters.

There are six steps in opening a CC/OD a/c.1. Opening of CC/OD account2. Creation of limit3. CC/OD approval4. CC/OD acceptance5. Creation of security6. Authorization of security

1. OPENING OF CC/OD ACCOUNT(By Operator): PATH: Deposit/CC/OD Accounts & Services Create New CC/OD Account

Enter the CIF of the customer and click on transmit

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Account Type Sub Category Product6050 1101 PRAGATHI TRADE OVERDRAFTS6050 1201 PRAGATHI OVERDRAFT ON DEPOSITS6050 1301 PRAGATHI OD-AS6059 1001 STAFF OSL-OD(AS)6059 1101 CLEAN OVERDRAFT - STAFF6120 1001 PRAGATHI SWAROJGAR CREDIT CARD6130 1001 PRAGATHI KISAN CREDIT CARD6150 1001 PRAGATHI GENERAL CREDIT CARD6150 1101 PRAGATHI SWARNA CREDIT CARD

In this screen enter the fields as explained below:Acct sgmt code : Personal / individual, staff etcAccount type : Type of CC/OD (CC-AGRI, CC-PERSONAL, CC-STAFF) etcSub category : PKCC etcCr. Int payment method : Re-invest for all products And click on Transmit.A Queue will be generated. Send it for authorization to checker.After authorization of Queue, 11 digit account number will be displayed. Note down the number.

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2. CREATION OF LIMIT(By Operator): PATH: Deposit/CC/OD Accounts & Services Create CC/OD limit and details

In this screen,Basing on the “Promo ID” field value, the system will debit the Processing Fee. If the value is “NO”, the system will not debit the Processing Fee. At present the system is not deducting the Processing Fee as per our Bank guidelines. Hence, Branches are advised to verify the Processing Fee and act accordingly. If the Processing Fee debited is less then go to Transaction Posting and debit the difference amount.

Account number : Enter the account number to which limit is to be createdPromo Id : (Keep it Blank). If No Processing Fee is to be collected, select “N:NO

Fees”Limit : Enter the Limit sanctionedRate Keep it blank, system will pick up interest rate as per parameters (For ODD give

interest rate manually i.e. TD interest rate+ 2%)Type : Default product (For ODD select SET RATE)Exp date : Expiry date of the limit(For PKCC accounts one year from the date of

sanction/renewal)Keep other fields as default for all OD type accounts except PKCC and click on transmit.

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For PKCC accounts against Expiry Rate Details: under TYPE column select “SET RATE” and enter the interest rate to be applied after expiry date under RATE column. Then click Transmit.

The screen for PKCC will be as follows:

Queue will be generated. Authorize the queue.

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Close the Queue screen, CC/OD additional detail screen will appear enter the CC/OD scheme particulars and then Transmit.

3. CC/OD APPROVAL(By Supervisor): PATH: Deposit/CC/OD Accounts & Services CC/OD ProcessingCC/OD Approval

Screen \\ SCR 2420 CC/OD LIMIT APPROVAL appears.

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Account number : enter the account numberApproved amount : enter the amount of limit sanctionedTransaction date : enter the date of transactionPromo Id : N: No feesBasing on the “Promo ID” field value, the system will debit the Processing Fee. If the value is “NO”, the system will not debit the Processing Fee. At present the system is not deducting the Processing Fee as per our Bank guidelines. Hence, Branches are advised to verify the Processing Fee and act accordingly. If the Processing Fee debited is less then go to Transaction Posting and debit the difference amount.

Click on transmit.

4. CC/OD ACCEPTANCE(By Operator): PATH: Deposit/CC/OD Accounts & Services CC/OD Processing CC/OD Acceptance

Enter the account number and click on transmit. A Queue will be generated. Send it for authorization to checker.

5. CREATION OF COLLATERAL SECURITY(By Operator): PATH: DL/TL Accounts & Services Security (primary/collateral) Customer Create Create Security

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Enter the account number and in the ‘system’ field, select “create collateral” from the drop down box and click on transmit.

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In this screen select collateral type and collateral sub type from the drop down box. Enter the value of security and in the field “action” select “create” and click on transmit.

Collateral number will be generated and next screen opens. Fill in the fields and click on transmit. Note down the collateral number and send it for authorization.

6. AUTHORISATION OF COLLATERAL SECURITY(By Supervisor):

After creation of security, it has to be authorized in the following path.PATH: DL/TL Accounts & Services Security (primary/collateral) Customer Amend/Enquire/Authorize Authorize Security

In the screen, enter the collateral number noted above, particulars will be displayed.

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Make the action field as “authorize” and click on transmit.ADDING GUARANTOR TO CC/OD

There are two steps in linking a guarantor to loan account1. Amending the Financial details of the guarantor2. Linking the CIF of guarantor to CC/OD

1.AMENDING THE CIF OF GUARANTOR: Customer ManagementAmend Customer Details

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Customer No : CIF number of guarantorOption : Financial Details Click on TransmitNext screen appears.

Enter the Income, Expenditure, Assets and Liabilities of the guarantor and click on Transmit. System will pickup the Networth of the guarantor.

2.LINKING THE CIF OF GUARANTOR TO CC/OD:Customer ManagementRelationships/OwnershipsRelationships

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In this screen, select Required Action : Add

ID : Enter the CIF of the guarantorEntity : Select CUS: Customer Information MasterRelationship Required : Guarantor to AccountRelationship Type : All

Click on Transmit. Next screen appears.

In this screen enterEntity 2 : Enter the Loan account to which guarantor is to be linkedEntity Type : ACC: Any Account Based EntityValue : Enter the loan amountStatus : Active

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Click on Transmit. Queue will be generated and authorize the queue.

RENEWAL OF KCC/CC/OD/SOD A/CS IN CBSFor renewal of KCC/CC/OD/SOD A/CS IN CBS the branches have to bring the account into credit balance then the under mentioned steps are to be followed.Step1: Login with Operator (user type 60 or 1).Path: Deposit/CC/OD Accounts & Services. Amend. Deposit/CC/OD accounts

Put the account number, select option no ‘4 CC/OD LIMITS’ in dropdown box and then Transmit. The screen for Amend Limit Details will appear.

Change the expiry date (extend the same as the case may be). For PKCC accounts enter the Expiry Date i.e., one year from the date of renewal, as per existing guidelines, against Expiry Rate Details: under TYPE column select “SET RATE” and enter the interest rate to be applied after expiry date under RATE column. Then click Transmit.

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and then Transmit. Queue will be generated.

Login as Officer / Manager (user type 40 or 50) and authorize the queue.

Step2: Login with Supervisor userPath: Deposit/CC/OD Accounts & Services. CC/OD Processing CC/OD Approval

Put the account number and then Transmit.

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Step3: Login with Operator userPath: Deposit/CC/OD Accounts & Services CC/OD Processing CC/OD Acceptance

Put the account number and then Transmit. Queue will be generated.Login as Officer / Manager (user type 40 or 50) and authorize the queue.Then go for disbursement through Transaction Posting.

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OPENING OF LOAN ACCOUNT

NOTE: Interest rate need not be given for LD at the time of creation of LD. Collateral security should be created for LD. System will charge interest rate based on the collateral security created (i.e. system will pick up TD interest rate+2% interest rate). If collateral security is not created for LD, system will show 0% interest rate. Hence collateral security must be created.

The path to open a loan account isDL/TL Accounts & Services Loan Tracking Operations

In this screen, select “New Accounts” in Select Action dropdown box and click on Transmit. Next screen appears.

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Existing CIF/Account No : Enter the CIF of the borrower or SB A/cSystem : Select “LON: Create a Loan Account”Click on Transmit.

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In this screen, selectProduct No. : From the drop down box (table enclosed)Sub Product : From the drop down box (table enclosed)Application Amount : Amount applied by the borrowerLoan Term : Loan term in months including moratorium periodBasis : retain default as M: MonthsSegment code : Select from the drop down box like public individual, staff etcIncremental Interest : Keep blank for all products

Click on Transmit. Next screen appears.

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Loan additional Details screen appears. In this screen, select Scheme Code, Activity code from the drop down box and Priority Sector Ind as “Y” or “N” based on the type of loan. Select Customer Type as “Individuals” for Individuals and “Corporate” for Groups and click on Transmit.

Allowable Actions Screen appears.

In this screen, select the action, which is in CAPITAL LETTERS, and enter respective Code in “Please Make Your Selection Here” and click on Transmit.

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System will prompt “Do you wish to Record this Event”. Make it “YES” and click on Transmit.

Select “3” and Transmit.

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Select “3” and click on Transmit.

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In Promo No. field Select “NO FEES” (As the CBS software is not debiting the Processing Charges as per our Bank guidelines. Till the software is corrected please select “NO FEES” and debit the Processing Charges manually to the Loan Account.) and click on Transmit.

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In the Option field retain as “1. Create/Maintain” and click on Transmit.

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In this screen, system shows the Expiry date as one month from the start date. This can be amended, if necessary. System will not allow to disburse the amount after that Expiry date. In the “Maximum Tranche Amount” field enter the amount to be disbursed. For example, if the amount Rs.50000/- is to be disbursed in two installments Rs.30000/- & Rs.20000/-. In the first row, enter Rs.30000/- in Maximum Tranche Amount field and click on Transmit.

Second installment can be released by amending the disbursement schedule at the time of second disbursal.

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In the field Action : select “C:Create”Option : select “EMI” for EMI loans

Select “Princ Eq Distr” for Non-EMI loans

Click on Transmit.

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Enter the fields as per the Table shown in the ANNEXURE and click on Transmit.


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Transmit

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When the system shows “ACCOUNT READY FOR CLOSURE” against option No. 3, enter “E” in the selection box and click on Transmit.

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CREATION OF SECURITY : DL/TL Accounts & Services Security (Primary/Collateral) Customer Create Create Security

(Collateral Security must be created for LD otherwise system will give 0% interest rate)

In this screen, enter Existing CIF/Account No. : Loan A/c No already createdSystem : COL: Create CollateralAnd click on Transmit. Next screen appears.

In this screen, select “Collateral Type, Collateral Subtype and Charge Type” from the dropdown box as applicable to the loan and “Action” as CREATE and click on Transmit. Next screen appears based on the type of loan.

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An example for LD is shown here.

In this screen, enter as followsDescription : Product NameUnits : No of certificatesTDR/PPF A/C No : TD A/C No.Hold Flag : always YESHold Value : Loan amountMargin : system shows default 20%, can be modified based on the remaining maturity period of the depositStatus : ActiveNote down the Collateral Number. Click on Transmit.O.K. message appears.

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AUTHORIZATION OF SECURITY:

This collateral has to be authorized in the following path.

DL/TL Accounts & ServicesSecurity (Primary/Collateral)CustomerAmend/Enquire/

AuthorizeAuthorize Security

Enter the Collateral Number generated at the time of creation and click on Transmit. Next screen appears.

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System will display the details entered at the time of creation. Select

Action : Authorize

User-Id : Emp No of Checker(Supervisor)

Password : Password of the Checker

Click on Transmit.

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ADDING GUARANTOR TO LOAN ACCOUNT

There are two steps in linking a guarantor to loan account

1.Amending the Financial details of the guarantor2. Linking the CIF of guarantor to loan account

1.AMENDING THE CIF OF GUARANTOR:

Customer ManagementAmend Customer Details

Customer No : CIF number of guarantorOption : Financial Details Click on TransmitNext screen appears.

Enter the Income, Expenditure, Assets and Liabilities of the guarantor and click on Transmit. System will pick up the Net worth of the guarantor.

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2.LINKING THE CIF OF GUARANTOR TO LOAN ACCOUNT:Customer ManagementRelationships/OwnershipsRelationships

In this screen, selectRequired Action : AddID : Enter the CIF of the guarantorEntity : Select CUS: Customer Information MasterRelationship Required : Guarantor to AccountRelationship Type : AllClick on Transmit. Next screen appears.

In this screen enterEntity 2 : Enter the Loan account to which guarantor is to be linkedEntity Type : ACC: Any Account Based EntityValue : Enter the loan amountStatus : Active Click on Transmit. Queue will be generated and authorize the queue.

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LIST OF SAVINGS BANK & CURRENT ACCOUNT PRODUCTS IN CBS

S No Account Type(Product &Type)

Interest Category(Customer Category +Location/Term+Currency)

Description

1 1011 1101 SBCHQ-GEN-PUB-IND2 1011 1271 SBCHQ-GEN-PUB-RURAL-IND3 1011 1251 SBCHQ-GEN-PUB-SEMI-URBAN-IND4 1011 1281 SBCHQ-GEN-PUB-URBAN-IND5 1011 3101 SBCHQ-STF-GEN-PUB-IND6 1013 1101 SBCHQ-NRO-PUB-IND7 1014 1101 SBCHQ-NRE-PUB-IND8 1020 1101 SBCHQ-PENSIONER-PUB-IND9 1030 1101 SB-GOVT-GEN-PUB-ORG

10 1111 1101 SBNCHQ-GEN-PUB-IND11 1111 1271 SBNCHQ-GEN-PUB-RURAL-IND12 1111 1251 SBNCHQ-GEN-PUB-SEMI-URBAN-IND13 1111 1281 SBNCHQ-GEN-PUB-URBAN-IND14 1113 1101 SBNCHQ-NRO-PUB-IND15 1120 1101 SBNCHQ-PENSIONER-PUB-IND16 1128 1101 SBNCHQ-STUDENT-PUB-IND17 1163 1101 SBNCHQ-PRAGATHI-JANATA-PUB-IND18 5011 1271 CA-GEN-PUB-RURAL-IND19 5011 1251 CA-GEN-PUB-SEMI-URBAN-IND20 5011 1281 CA-GEN-PUB-URBAN-IND21 5011 5271 CA-GEN-FIRMS/COMPANY-RURAL22 5011 5251 CA-GEN-FIRMS/COMPANY-SEMIURBAN23 5011 5281 CA-GEN-FIRMS/COMPANY-URBAN24 5030 1101 CA-GOVT-GEN-PUB-ORG

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LIST OF LOAN PRODUCTS IN CBS

Account Type Category Product Description6210 1001 CLC SUBSIDY SCHEME-SSIs6220 1001 PRAGATHI SRTO6220 1101 PRAGATHI FLEXI TRADE6220 1201 K V I C - REGP/PMEGP6220 1301 PRAGATHI DOCTOR’s PLUS6220 1501 PRAGATHI RURAL TOURISM6220 1701 PRAGATHI SOLAR LIGHTING6230 1001 PRAGATHI PRODUCE LOANS6230 1101 RYTHU MITHRA GROUP LOANS6230 1301 AP MICRO IRRI PROJECT6230 1401 PRAGATHI MINOR IRRIGATION6230 1501 PRAGATHI HORTICULTURE6230 1601 PRAGATHI ORGANIC FARMING6230 1701 PRAGATHI AGRI/BUS CLINIC6230 1801 PRAGATHI BULLOCK & CART6230 1901 PRAGATHI FARM MECH6230 2001 PRAGATHI FARM HSG/TOBACCO6230 2101 PRAGATHI LAND PURCHASE6230 3001 PRAGATHI KISAN VAHAN6230 5001 PRAGATHI BIO-DIESEL6230 5101 PRAGATHI BIOGAS6230 5201 PRAGATHI LAND DEVELOPMENT6230 5301 INDIRECT FINANCE-FL MT6230 5401 CONVERTED PKCC / CROP6230 5501 PRAGATHI MULTIPURPOSE KCC6230 5601 PUMPSETS / SUB. PUMPSETS6230 5701 PRAGATHI JAIKISAN6230 5801 FARM FOREST WASTE LAND6230 5901 PRAGATHI JALARAKSHA6230 6001 PRAGATHI AGRI GOLD LOANS6236 1001 PRAGATHI PALADHAARA6236 1101 PRAGATHI POULTRY6236 5001 PRAGATHI SHEEP/RAM/GOAT6236 5101 PRAGATHI SERICULTURE6236 5201 PRAGATHI FISHERIES6236 5301 PRAGATHI GODOWNS/COLDST6236 5401 MINI RAM LAMB6250 1001 PERS-Salary a/c with Bank6250 1002 PER-Salary-Other Bank6250 1201 CONSUMPTION LOANS6250 1301 DRI LOANS6250 1601 PRAGATHI MULTI MORTGAGE

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Account Type Category Product Description6250 2001 PRAGATHI SWAGRUHA-5YR6250 2002 PRAGATHI SWAGRUHA->5-10YR6250 2003 PRAGATHI SWAGRUHA->10YR6250 2101 PRAGATHI COMMERCIAL CMPLX6250 2201 PRAGATHI GRUHAKALPA6250 2301 PRAGATHI AWAS UPTO 5 YRS6250 2302 PRAGATHI AWAS >5-10 YRS6250 2303 PRAGATHI AWAS > 10 YRS6250 3001 PRAGATHI CONVEYANCE LOANS6250 4001 PRAGATHI VIDYA SCHEME PUB6250 5001 PRAGATHI OSL - AS6250 5101 BULLET GOLD LOAN6250 6001 PRAGATHI GENERAL GOLD6250 6101 INDIRECT FINANCE- JEWEL6250 7001 PRAGATHI LOANS ON DEPOSIT6250 7101 PER BANKING LOAN-LIC AG6250 7901 PRAGATHI PENSIONERs LOANS6250 8001 SELF HELP GROUPS6259 1201 CONSUMER LOANS - STAFF6259 2001 HOUSING LOANS - STAFF6259 2101 ADDL HSG - STF-UPTO 5 YR6259 2102 ADDL HSG - STF-UPTO 10 YR6259 2103 ADDL HSG - STF-ABV 10 YR6259 3001 VEHICLE-STAFF - 2 Wheeler6259 3101 VEHICLE-OFFICER-4 Wheeler6259 3201 4 WHEELER-OFFICE ASSTS6259 4001 PRAGATHI VIDYA SCHEME-STF6259 5001 STAFF FLOOD RELIEF LOAN6259 6001 JEWEL LOANS - STAFF6359 1001 DEMAND LOANS – STAFF

-o0o-

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ANDHRA PRAGATHI GRAMEENA BANK HEAD OFFICE: KADAPAapgb.in/files/1_6_506d6e6100d8a.pdf · ANDHRA PRAGATHI GRAMEENA BANK HEAD OFFICE: KADAPA Cir No: 135 – 2011 – BC - ITD Date: 25.05.2011

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