Frequently Asked Questions

FREQUENTLY ASKED QUESTIONS – CUSTOMER CREATION

SL NO QUERY REPLY/SUGGESTIONS1. Unable to open the account

– Msg. Enter date of incorporation.

Enter Date of Incorporation in CUMM-G details

2. Unable to open Customer-ID in CUMM

Specify Customer Type, as it is mandatory and then proceed.

3. To know a/c no for a particular cust-id.

Invoke ACM menu option.

4. To know all accounts of the customer

Use CUMM option and enter option ‘A’ for customer a/c . Inquire it.

5. A/c opened with wrong name, want to rectify name.

Open a new cust-id in the correct name and use CCA menu to change cust-id for the a/c.

FREQUENTLY ASKED QUESTIONS – ACCOUNT OPENING

SL NO

QUERY REPLY/SUGGESTIONS

1. Account to be un-frozen Use AFSM option and verify2. Give nomination facility in an

a/cFirst visit scheme details and then make nomination availability ‘Y’ in OAAC menu.

3. Collect charges for an a/c. Use CACC menu to collect charges.4. Unable to close an SB a/c –

error authorization pending.Modify or cancel the modification done in IMGMNT.

5. Mark stop payment for an a/c. Use SPP menu option.6. To change the account opening

amount.Close the a/c and open a new one.

7. Unable to close an a/c – error Financial transaction verification pending.

System generated interest transaction is not posted.

8. Take reports of all closed a/cs. Use ACLPOA menu and mention the field as ‘C’9. Change expiry date for sanction

limit of an a/c.Change expiry date in ACLHM menu option.

10. To freeze an a/c. Invoke AFSM menu option.11. Unable to close an a/c - was Check in AFI for any pending verification for the a/c.

getting an error verification pending.

12. Unable to credit an SB a/c error, Credit cash limit exceeds.

Modify in ACM '0' details cash limit credit as maximum limit and then to verify the same

13. Wanted to debit an a/c but lien was marked on it.

First unfreeze the a/c, and then to debit the a/c.

14. Wanted to add joint holder a/c for an SB a/c.

Add the joint holder in 'A' related party details and verify the same in ACM

15. How to issue balance confirmation certificates.

Use CUSTBALP menu.

16. While opening a CC while giving the introducer's a/c no. getting message that it is a minor a/c

Modify in CUMM menu by giving the minor flag as N & verify the same.

17. Want to unfreeze a a/c Use AFSM menu option to unfreeze.18. To open an NRE SB a/c Open NRE SB a/c in OAAC and check in CUMM for the

non-resident flag as 'Y' 19. Want to change SB a/c to V

plus a/c Use TACBSH menu & change the code for v plus a/c as GL -32310 & sch code SB150.

20. To take print of Vouchers. Take print using VCHR Menu option.

FREQUENTLY ASKED QUESTIONS – ACCOUNT OPERATIONS

SL NO QUERY REPLY/SUGGESTIONS1. Generate Interest report Use AINTRPT menu2. Ledger print for individual

accountsACLpca menu

3. Cancel ulien in an account ALM option4. Not able to post a debit

transaction – error instrument already passed.

Use UCS and update the cheque as unused and then post the transaction.

5. Change drawing power in for a CCM a/c

Modify the a/c in ACLHM menu and mention the operation as ‘D’ and modify the drawing power limit and applicable date.

6. Unable to renew a/c, error - verification pending.

Check in AFI menu for any un-verified records & verify the same.

FREQUENTLY ASKED QUESTIONS – TRANSACTION MAINTENANCE

SL NO QUERY REPLY/SUGGESTIONS1. User not able to post

transactionGive Additional details and then post.

2. Unable to post a transaction

Specify partition account in option G and give deposit a/c-id in NTTID in TM menu.

3. To delete a verified transaction.

Should not be done. Reverse the entry in TM by giving visit screen ‘X’ and by selecting the previous transaction.

4. Unable to post trans – error debit clearing limit exceeds.

Modify debit clearing limit in ACM menu.

5. Unable to post an intersol tran

A free user cannot give TOD for an a/c of diff SOL. Log in that SOL and give TOD

6. Want to give credit to branch adjustment A/c.

Use TM menu option.

7. To delete a part tran & want to enter another part tran.

First create another part tran & delete the part tran which has to be deleted.

8. Unable to post NRE transaction, was getting enter report code.

Give report code as LW for debit leg.

FREQUENTLY ASKED QUESTIONS – CASH TRANSACTION

SL NO QUERY REPLY/SUGGESTIONS1 To take report scroll of

teller cash.Use SCWRPT menu option.

2 To know total receipts and payment

Use SCWRPT and give staff code. Use option PR to see/print the report.

3 To delete a cash tran which has been wrongly posted

Verified records cannot be deleted. Manually reverse the tran.

4 To delete the record from Teller cash a/c.

Delete the record in GECM menu.

FREQUENTLY ASKED QUESTIONS – CHEQUE BOOK MAINTENANCE

SL NO QUERY REPLY/SUGGESTIONS1. To mark a cheque as

unused.Use UCS menu and mark the cheque as unused.

2. To destroy inventories for cheque not verified.

Cancel the cheque issued using CHBM menu.

3. Issued a cheque to the wrong account.

In CHBM menu give function as ‘D’ and destroy the cheque issued to the a/c.

FREQUENTLY ASKED QUESTIONS – INVENTORY MAINTENANCE

SL NO QUERY REPLY/SUGGESTIONS1. To see inventories against a

staff nameUse ISIA

2. Change authorizer user0id for IMC movement and coancelling the inventory movement previously done

Modify in IMAUM. For canceling use IMC – function X.

3. Move inventories from External location to DD common location

Move DDs from external to safe/double lock and then to DD common location.

4. Not able to verify inventory movement.

Verify in IMC menu option by giving the password of authorized user-id.

5. Modify authorizer-id for inventory movement

Modify using IMAUM menu.

FREQUENTLY ASKED QUESTIONS – STANDING INSTRUCTION

SL NO QUERY REPLY/SUGGESTIONS1. Verify Standing Instruction. Use SIM menu option.2. SI had not executed from a

particular dateAdditional details had not been mentioned in SIM menu.

3. Standing Instruction report generated for the day

Use SIETR menu option.

FREQUENTLY ASKED QUESTIONS – TERM DEPOSITS

SL NO QUERY REPLY/SUGGESTIONS1. System shows less maturity

valueChange regenerate flow flag as ‘Y and then run REGFLOW.

2. To close TD and pay DD Close account normally, in repayment a/c specify DD a/c. While posting this transaction enter additional details.

3. To renew an a/c Use TDREN menu option4. Not able to renew – Error

RunRun ACINT and TDSCALC and then renew.

5. Mark lien on deposit a/c ALM menu6. Unable to renew FD – error

run ACINTRun ACINT and then TDREN.

7. To renew a VCC only for a fixed amount, remaining amount to be transferred to operative a/c

Modify in ACM and specify the repayment a/c as operative and then renew the a/c by giving renewal option as fixed. To be verified.

8. Generate report for matured deposits.

Use GEDT menu option.

9. Generate rate-wise report of MI a/cs

Use AINTRPT menu option.

SL NO QUERY REPLY/SUGGESTIONS10. Interest not credited for a

month in a FD a/c.Run TDSCALC and credit interest in the a/c. Dr IPD and credit to operative a/c.

11. Open a VSU with preferential interest.

Modify the a/c in INTTM and mention the preferential rate in the a/c and give start date.

12. System did not auto-renew an a/c.

The auto-closure field would be blank, and so system does not renew. Give ‘N’ in auto closure, if system should auto-renew the a/c.

13. Unable to post refund TDS cash transaction.

Delete the transaction since cash reversal cannot be done. Open an operative a/c for the customer and do RFTDS transfer of amount.

14. To generate TDS certificate Use TDSIP menu option15. To take TDS summary Use TDSIP menu option and end enter option 5 for TDS

summary.16. To know if interest has been

paid in a deposit a/cUse PHINQ option.

17. Open an RD a/c in transfer-in mode.

Use OAAC menu and in 2nd screen ‘T’ for transfer in a/c. To be verified in OAACAU.

18. Open an FD a/c with interest going to SB A/c

Give SB a/c in customer details in ACM menu.

19. Closed an A/c but not credited to IPD a/c.

Maybe closure transaction is not posted.

20. Unable to close deposit a/c – error download to PDF exists.

In ACM general a/cs details, change download to PDF to be changed to ‘N’. Then go for closure in CAAC menu option.

21. To take deposit receipt print. Use DRP menu option.22. Accounts not allowing to be

closed – error interest not calculated upto date.

Run ACINT by giving Adhoc run as ‘N’ and then go for closure.

23. For a particular a/c TDS has not been deducted for the a/c.

Run CAAC & then go for TDS calculated amount.

24. Unable to close a deposit a/c, Tid record not found for the a/c.

Mention value date as that of maturity date.

25 To take Report of List of Deposit A/c

Use ACDET Menu option.

26 Unable to get deposit receipt print for a/c

Reprint the receipt using REDRP menu.

27 Unable to close a VSU a/c , getting message that a/c balance is not equal to repayment amt

Verify the modifications done in INTTM menu option and then go for the closure.

28 Int is calculated less for an Check out in the legacy s/w (Virmati or CMS s/w).

SL NO QUERY REPLY/SUGGESTIONSa/c . Maybe int is calculated in excess there. So it has

calculated less in the new system.29 To transfer an FD a/c. Use CAAC menu & mention 'T' for transfer of a/c.

30 Unable to credit an RD a/c - error cumulative principal amt exceeds.

Check for the RD a/c flows, if the flow is completed then system will not allow to credit.

31 Auto renew the a/c. Modify the a/c in ACM, give auto renew flag as 'U' & auto closure as 'N' & verify the same.

32 To make PARTIAL payment of VSU SCHEME.

Use CAAC menu, give the a/c id, in 2nd field you will find the whole amount, there you need to change the amount to withdrawal amount & commit. A/c will continue with the rest of the amount.

33 To Modify int rate for an a/c Modify the int rate using INTTM Menu option.34 User wanted to Refund TDS

for a customerRefund using RFTDS Menu option.

35 User wanted to open a quarterly int FD a/c

Open a FD205 a/c.

36 User wanted to open an FD a/c for 7 days for more than Rs50,000/-

Asked the user to use FD202.

37 User wanted to know the menu to print deposit receipt.

Asked the user to use DRP menu.

FREQUENTLY ASKED QUESTIONS – OUTWARD CLEARING

SL NO QUERY REPLY/SUGGESTIONS1 To inquire about an

outward instrument.Use OIW menu option.

2 To create outward clearing floppy

Suspend zone in MCLZOH. Use menu PCLSO and enter zone date and code. File is generated as *.DMP file. Rename this file as ddmmyy.vjb Through PTW copy this file (ctrl + c) and paste (Ctrl + v) in a:\

3 User had not verified one instrument, but had suspended the zone.

Check the unverified instrument using IOCLS menu. Revoke the suspended zone, verify the instrument in OCTM menu and then suspend the zone.

4 Wrongly entered home clearing zone in MICR zone & verified the same.

Use TROFSETS to transfer the instrument to home clearing zone, and then delete the instrument in other zone.

5 Want to generate return clearing memo.

Use REJREP menu.

6 Want to take print of Take report using PWO Menu option.

outward home clearing.7 User wanted to know

whether they have verified all the outward clearing cheques.

Check the zone in MCLZOH.

FREQUENTLY ASKED QUESTIONS – INWARD CLEARING

SL NO QUERY REPLY/SUGGESTIONS1. User has lodged instrument

to DD account instead of Customer a/c in Inward Clearing Zone

Modify account no. in ICTM menu option.

2. Instrument entered wrongly in MICR1 instead of RETCLG zone.

Delete the instrument in ICTM menu and enter details in RETCLG menu.

3. If wrong a/c number is given for inward clearing instrument.

Revoke suspension of zone, then modify a/c no in ICTM menu.

4. Unable to post Return Clearing Zone – error BAR no and amount not entered.

Revoke the suspension using MICZ menu. Modify a/c and mention total no of BAR instrument and amount.

5. Return an instrument in Inward Clearing Zone

Use ICTM menu option.

6. To view signatures for inward clearing instruments.

IN ICTM, press F9 for viewing uploaded signatures.

7. User wanted to delete an Instrument in Inward clearing.

Delete the instrument using ICTM Menu option.

8. User wanted to take inward clearing report.

Use PICW to take the report.

9. User wanted to generate return clearing print.

Use PICS menu

10. User was not able to post a tran related to inward clearing.

Maybe the user had given wrong instrument number which was already passed. If so, update instrument status using UCS & post the transaction.

11. To post inward clearing zone.

Post the zone using MICZ Menu option.

12. To take the return clearing schedule report

Use REJREP menu option.

13. To delete an instrument in Delete the instrument using ICTM Menu option.

inward clearing, that has been entered twice in Home Clearing zone.

14. To modify the cheque amount in the outward clearing

Open one more zone & transfer to this zone invoking TROFSETS menu option & then modify in OCTM menu option.

15. To know the chq details that had gone for clearing.

Check in IOCLS menu by giving chq particulars & date, to know which a/c has been debited.

16. To give TOD for an inward return clearing chq.

Give TOD for the clearing chq using ICTM menu.

17. To enter returned cheque for a Loan A/c.

Enter the instrument in RETCLG zone & give the additional details at the time of posting the transaction.

FREQUENTLY ASKED QUESTIONS – TERM LOANS

SL NO QUERY REPLY/SUGGESTIONS1. To delink the operative a/c

for loan recoveryModify in ACM. In scheme detail add an operative and remove old operative. Needs verification.

2. Report on limit for the loan Using LLIR.3. To take bifurcation of loan

a/cCheck in PSP and AINTRPT

4. How to know interest for a loan a/c

Check for the transaction by generating report in DTR menu.

5. Report of loan a/c with principal and interest details

Use LAPSP menu

6. Difference in a/c available balance and balance.

Maybe because of lien which can be seen in ACM menu.

7. System has calculated interest at 18% instead of rate mentioned in a/c details.

Sanction limit may not have been given in ACLHM menu.

8. Tried to close a loan a/c but error – cannot close modification pending.

Verify in ACM and then close a/c

9. To take interest certificate for a loan a/c.

Use INTCERT menu option.

10. Generate loan a/c due notice

Use LAODR menu option.

11. To remove operative linked to a loan a/c for recovery.

Modify in ACM and in scheme details, operative a/c to be made ‘N’ and repayment method-‘C’. Operative a/c to be removed in scheme details.

12. Modify lien for a loan a/c. Use ALM menu option.13. To see rate of interest of a

loan a/c.Use ACM general account details.

14. Unable to close a CCH a/c – error audit record not found.

Verify in INTTM and then close the a/c.

15. To take report of List of A/c’s & their Limits & Limit Expiry dates.

Take report using LLIR Menu option.

16. To change the rate of int of back dated opened a/c

Use INTTM menu option and verify the same.

17. User is unable to cancel loan lien for a/c

Cancel the lien in ALM & mention module type as Loans.

18. To know the LMV a/c EMI and rate of interest.

Use LAMOD menu and check for EMI

19. To take interest debited from loan accounts report

Take the report in LAOPI menu option.

20. User wanted the charges to be debited from the loan a/c

Give the flowID field other charges on demand in TM menu option.

21. To reverse an entry for a loan a/c.

Give flow-id as NOCOL in loan a/c and then post the transaction.

22. To generate loans overdue report.

Use LAOPI menu.

23. To know the limit registry menu for loan.

Use LLIR menu

24. To take the report containing all the loan a/c above 10 lakhs

Take the report in LAGI menu option.

25. User wanted to give the installment date for an LMV a/c date as 1 of next month.

The flows will be specified as per the scheme code and if it is staff loan a/c next installment will be at the end of the month and for public it will from one month from the date of disbursement, i.e. next installment would be on the same date.

26. User had credited all the cash receipt to one loan a/c instead of many a/c.

Manually reverse the transaction & give credit to individual loan a/c.

27. User wanted to change fixed rate of interest to floating rate for a loan A/c

Change it in INTTM by giving HLFLA4 for floating rate and the same to be verified.

28. To know installment for a loan Amount for a specific period.

Invoke LAMOD option.

29. User wanted to know Month wise loan disbursement

Use menu VIJRPT & select from the list of reports for monthly disbursement.

menu. 30. User wanted to open a

Housing loan with the floating interest rate.

Change the interest table as HLFL4 and then to verify the same.

31. Menu for limit liability report for loan a/c.

Use LLIR menu to take the report.

32. To take loan a/c pass sheet print

Use LAPSP menu option.

33. Report of Loan A/c with Details of sanction limit & A/c balance as on date.

Use LLIR Menu option.

34. User had not mention operative a/c for an Loan a/c.

Modify the a/c in ACM menu & mention the operative a/c id.

35. To take report of Loan A/c's Take report using ACSP menu option.36. To generate Loans Liability

Report.Use menu LLIR.

37. To know the general details of loan a/c

Invoke LAGI menu.

38. Unable to verify TACBSH a/c changed from Housing loan to ML a/c.

TACBSH cannot be done for loan a/c. Hence, close old a/c & open a new a/c.

39. User wanted to take a report for expired loan a/c's.

Use menu LLIR.

40. To take loan a/c master print.

Use LAMP menu.

41. User wanted to take report of pending installment for a Loan A/c.

Take report using PLIST Menu option.

OPENING OF ACCOUNTS

S.NO

QUERY SOLUTION

1 What is the option required to know the information regarding a loan account?

To know the information regarding a loan account, in respect of OD/CC accounts use the option – CCODBAL and in respect of Term Loans –LLIR.

2 In case of Housing Loan account where one year repayment holiday is given,

Verify the flow ID. It might have given as charge demand instead of DISBT.

the system debited full amount available in SB account before one year.

3 In some cases it is observed that the system calculated demand only from the date of Migration. Why?

Past dues are not reflected in the overdue position shown by ACM and LAOPI menus.

4 User unable to open a staff loan account by giving a message-a non employee can not open. Why?

Under CUMM menu, modify in customer ID.The field pertaining to customer employee may be wrongly given as “N” instead of “Y”. It has to be changed to “Y”. Then verify the same.

5 User wanted to open a term loan account transferred from another branch. How?

Before opening of a term loan, the customer ID of the staff / borrower must be created through menu option HCUMM/CUMM. In case, the customer ID is already created the same may be used for opening the account. The account is to be opened through menu option OAAC/HOAACLA. The appropriate scheme code may be assigned while opening the account.

6 User unable to open the LMV account by giving the message-Principal amount is not equal to installments. Why?

Check the flow amount given in the repayment details.

7 User not able to open a CC (M) account by giving the message-Sanction limit exceeds the maximum allowed limit. Why?

Open the account by OACC menu by specifying the scheme details correctly.

8 User wanted to open a housing loan with floating rate of interest. How?

User has to open the account under OACC menu option and give the interest table as HLFL5.(Current version)

9 User is unable to open a MV 841 scheme by giving the message-Total of principal amount should be less than or equal to sanctioned limit. Why?

Specify in ACM menu-E option, repayment details correctly while opening the account.

10 User opened LTD account, but while putting the transaction message appears that debit limit exceeds. Why?

User to mention the drawing power and sanctioned limit for the account by invoking ACLHM/HACLNM menu.

11 User unable to enter E details for a festival loan, by giving the message-Total principal amount should be less than sanctioned limit. Why?

User mentioned less sanctioned limit. First it should be corrected and then enter E details.

12 For a LTD account, while posting transaction, message appears as Scheme update failed, no sufficient balance. Why?

User to give the drawing power for the LTD account and then post the transaction in TM menu option.

13 User unable to verify LTD account, by giving the message- Limit details should be visited. Why?

Verify the account by using OAACAU by visiting relevant fields.

14 User unable to open a LTD account, message appears that document maintenance not entered. Why?

User to enter the document maintenance field by using OAAC menu option.

15 User wanted to give joint holder name for an account. How?

User has to give the mode of operation as Joint in scheme details in ACM menu and also give in the related party (A) details.

CLOSING OF ACCOUNTS

S.NO

QUERY SOLUTION

1 How to take list of closed loan accounts?

List of closed loan accounts can be obtained by invoking menu option ACS by specifying scheme code and close date-low & close date-high.

2 Branch is unable to close Loan account for the reason “up to date interest has not been calculated” even though up to date interest is calculated. Why?

Please cancel the close option through CAACAU menu option and restart the closing process through CAAC menu option by selecting sub option C for interest calculation. All closing activities should be done through CAAC option including calculation of interest and posting. Authorize the closing through CAACAU menu option.

3 User unable to close the account by giving the message-“Authorization is pending”.

Certain modifications done might not have been verified. Verify the modification done in ALM/ACM menu option, and then close the account by using CAAC menu option.

4 User is unable to close the account by giving the message-“Balance is not equal to repayment account”.

This problem should be rectified at backend hence it should be referred to helpdesk/DIT.

5 User wanted to close the loan account and wanted to collect charges by cash.

Collect charges manually in TM menu option and close the account by using CAAC option.

6 User unable to close the account by giving the message-“Ensure shadow Balance zero”.

User has to ensure that once shadow balance should be cleared then run ACINT and then close the account by using CAAC menu option. (Shadow balance is shown in respect of Clearing credits)

7 User is unable to close the LTD account by giving the message –“Interest rate table not available”.

User might not have specified the interest rate table (ZERO2 table is to be attached and account level debit preference rate is to be entered). User to modify in INTTM menu and then give preferential interest debit at the applicable rate and the same is to be verified and close the account.

8 User has closed the loan account inadvertently. How to rectify it?

User has to open new loan account with backdated.

9 User was not able to close a loan account by giving the message-“TDS record exists”.

User to modify the TDS slab as zero and the same is to be verified and close the account.

10 User closed the account yesterday but not verified. Today the system is not allowing to verify the account.

User has to cancel the closure by using CAACAU menu option and close the account again and verify the same.

11 User unable to close the This problem is to be rectified at backend hence it

account as SRM lien exists should be referred to helpdesk/DIT.

12 How to close a LTD account? A LTD account can be closed by using CAAC menu option.

13 User unable to close loan account by giving the, message-“Linked to operative account”.

User to delete the operative account in ACM menu (S sub option) and delete the account in S details in second screen.

14 User unable to close OD account by giving the message-“Downloading to Pbf”.

Modify in ACM general details download to Pbf file “Y” to be made “N” and verify the same and close the account.

15 How to know/verify that a particular account is closed or not?

Enquire through ACM scheme details second screen or go to ACLI.

INTEREST RELATED

S.NO QUERY SOLUTION

1 For any account checking of interest to be done through which menu?

Checking of interest can be done by taking “product report” through AINTRPT menu option.

2 System is debiting interest on daily basis to an account - Why?

Interest demand has been given as D=Daily. Therefore the system will debit interest on daily intervals. Change these parameters from daily (D) to monthly (M) through ACM menu E sub option and get it verified by another user.

3 Interest application in respect of CCH/CCM is not in order, how to check?

Generate interest report through menu option AINTRPT for the account and see the reason for not debiting/short debiting of interest to the accounts.

4 In some loan accounts interest is not being charged monthly. Why?

Verify interest demand date in ACM E option and also see the report through AINTRPT menu for its correctness.

5 Branch is unable to generate the interest details report through menu option AINTRPT- Why?And how to apply interest?

Verify through the statement of account (ACLI) whether the system has debited interest to the account. If not applied, verify the reasons for non application of interest such as interest demand date in ACM E Option, interest table code and interest rate through ACM 0 Option etc. Reasons for failure can be viewed through the trail run of interest application through “LADGEN” / “ACINT”. (While running LADGEN/ACINT system by default populates “C” this is to be changed to “D)

6 It is observed that system is collecting loan installments from relative SB/CA on the monthly due dates even if there is no sufficient balance in the said SB/CA - Why?

The field pertaining to “repayment method” might have been fed as “T” (Recover shortfall amount by granting TOD) in scheme details in ACM S Option. To avoid the debit balance, the said field should be changed to “E” (Recover from operative account).

7 Some times, the interest debited for the first time after transfer of the Staff Housing Loan / Staff LMV accounts will be more than interest receivable amount – Why?

While opening the account in transfer mode, the branch has entered the entire “interest receivable amount” in the field pertaining to “Transfer in interest amount” in U details.

8 For CCH / CCM / Non EI loans (PRDEM) / Staff loans, when the interest will be debited?

For all these loan accounts, interest will be debited at the end of every month.

9 For EI loans when the interest will be debited?

For EI loans (except Staff Loans) interest will be debited on flow date i.e., installment date on the given frequency. If the flow date is given as future date i.e. (holiday period)then one month from the account open date is to be entered.

10 How to obtain scheme-wise product report of interest application for individual loan accounts?

Generate report through menu option “AINTRPT” by specifying details like “from scheme code” and “To scheme code” numbers along with other relevant parameters.

11 What are the interest tables to be fed in case of Staff housing loans and Staff L.M.V accounts?

In Staff Housing loans accounts having slab rates of interests, select “interest table” as “HLSFO” for the accounts carrying interest @5% up to 1.10 lakhs, 11% up to 5.00 and @12% for the balance amount.“HLSTF” interest table is to be attached for the accounts carrying interest @5% up to 1.10 lakhs, 10% up to 5.00 and @11% for balance amount.In case of Staff LMV accounts interest table should be fed as “LMOCR” for Car loan for officers.“LMTWO” for Two wheeler loan for both officers and award staff. “LMCCR” for car loan to clerical staff which attracts compound interest which is to be opened in MV842 scheme..

12 What is the procedure for changing interest rate / attaching interest table?

To modify interest rate / attach the interest table user has to invoke menu option “INTTM” and sub option modify and along with the effective date for back dated change and get it verified by another user.

13 Penal interest is being applied to some loan accounts – Why?

Verify overdue position through menu option “LAOPI”. If wrongly uploaded, rephase through “ACM E” option. Verify DP through “ACM H Option”. If not fed , modify DP by invoking menu option “ACLHM/HACLHM”.

14 In Vijaya Home Loan accounts what is the procedure to be followed to change rate of interest from fixed to floating rate of interest?

The following procedure is to be followed:1) Invoke menu option INTTM2) Go for modify M option3) Enter account number4) Change the interest rate table from HLFIX to

HLFLA(select latest version)5) Account pegged by default is “Y” to be changed

to “N”.Change appropriate date to give effect for the change of interest.

15 Unable to authorize the closure of loan account with a message that interest has not been applied even though the interest has been applied - Why?

While closing the loan account, CAAC menu option is to be used. After interest calculation, posting has to be done in the same menu option by using sub option “P” without coming out of CAAC menu option.

16 What are the menu options to be used in case of Govt sponsored loans where different slabs of interest rates are applicable?

In case of SJSRY- use SJSY1 table.In case of PMRY – PMRYS table.(Up to Rs.7500 no interest for remaining amount @11%. For other amount of subsidy Branch has to contact DIT)

17 System is charging interest @ double the rate of interest applicable to the account – Why?

Verify “interest table” and interest rate fed in “Customer preference debit” / “Account preference debit” in ACM O option. Applicable interest rate is to be fed in “Account preference debit” field, only when the “interest table” selected is “ZEROP” / ZERO2”. In all other “interest tables”, the table itself contains some interest rate which can be viewed through “LVSI” / “IVSI”.

18 How to know interest rate for an account?

Check ACM menu in general “O” details in the second screen or it can be viewed through “LVSI” / “IVSI” or through product report “AINTRPT”.

19 How to know the interest rate Interest rates slabs can be viewed by enquiring through

slabs for loan accounts? IVSM/LVSI menu option.

20 How to give “account preferential debit” for an account?

Modify the interest rate in “account preferential debit” through “INTTM” menu by selecting “ZEROP” table for term loans and “ZERO2” table for Working Capital loans.

21 Interest was credited to some loan accounts instead of debiting – Why?

Interest rate / interest table / limit might have been modified with back dated effect.Check through “AINTRPT” report for reasons.

22 How to change interest rate from fixed to floating rate and vice versa?

Modify “Interest table” from “HLFIX” to “HLFLA / HLFL4 / HLFL5” (According to date of sanction of loan) and vice versa.

23 How to know how much interest debited to the loan account?

It can be viewed through ACLI menu option. Or Generate report through “AUDITRPT” (Press F2 for list of reports, use arrow keys for navigation and select report “Loan interest details” which will provide interest debited to loan accounts from the beginning to till date).

24 For a loan account interest is to be collected after the holiday period along with the installments - How?

In the case of accounts having holiday period (for both principal and interest) ensure to feed the flow date (installment date) in “interest demand effective date”In Scheme details (ACM “S” option). The system will demand entire interest debited to the account on that date. Rephase the account before that date through ACM “E” Option.

25 How to know where the preferential interest is mentioned?

Preferential interest can be viewed through “INTTM” menu option or “ACM 0 option”.

26 What is meant by interest accrual?

Accrual is the process of incrementally calculating the interest for all the accounts/ bills at periodical intervals. The interest so calculated is called Accrued interest which can be viewed through menu ACM “?” Option.

27 Where user can find interest booked for a loan account?

A user can find information on accrued interest in ACM menu “?” option.

28 What is meant by interest rate pegged?

Account pegged means “interest rate is fixed”.If an account is having fixed rate of interest then the field pertaining to “Account Pegged” in General Details should be fed as “Y”. For floating rate the field should be fed as “N”.

29 For a loan product where minimum and maximum interest rate will be specified and why?

The minimum and maximum interest rates are specified in the interest scheme details of GSPM to keep the rates within the limits. These values are populated at the time of account opening and the user has a choice of overriding these.

30 Explain the concept of interest receivable in Finacle.

In the case of EI loans for the purpose of accounting income at given interval, system will debit interest to the IR (interest receivable) account and takes it for P&L account.For eg The account was opened on 10.09.2005.The next interest application date is 10.10.2005For the purpose of accounting income for 30.09.2005 system will debit interest form 10.09.20005 to 30.09.2005 to IR account and credit it to P&L account.On 10.10.2005, system will debit interest to the loan account and credit the same to two accounts.1. Credit interest from 10.09.20005 to 30.09.2005 to IR account.2. Credit interest from 01.10.2005 to 09.10.2005 to P&L account. The IR head is system generated account hence manual debit/credit should be done only for the account maintained manually.

31 Interest not chargesd to CC account

There are two areas has to be seen 1) Whether proper interest rate table has been

attached .2) In ACLHM if the limit level interest is “Y” than

account levlel interest has to be entered for the full interest or else the limit level interest should always be “N”. The limit level interest applicable when branch grants ad hoc limit to the party.

32 System is charging penal interest for the entire loan amount instead fo overdue protion?

There are two areas has to be seen 1. The drawing power may be Nil to the

account and limit expited.2. In ACLHM the account recall flag is “Y”

LIEN RELATED MATTERS

S.NO QUESTION SOLUTION

1. User wanted to cancel ACSRM lien in the account.

The ACSRM lien is to be changed to U lien at the backend and user to cancel in ALM menu option. The backend job is to be done at DIT. Hence the matter to be referred to helpdesk/DIT.

2. What is the menu option to be used to cancel lien in an account?

Use ALM menu option.

3. How modification of lien is to be done?

Modification of lien is to be done by using ALM menu option.

4. User wanted to know details of the accounts having lien.

User has to enquire by using ACM menu and select “T” for lien details.

5. How to cancel “U” lien for an account?

User can cancel “U” lien by using ALM menu.

6. User wanted to mark lien on term deposit account.

Use CLM menu and verify the same.

7. How to verify lien marked to a particular deposit /Bank Guarantee account?

Enquire in ACM menu and select “T” option to view any lien is marked or not to a particular deposit /Bank Guarantee account.

8. How to attach security for a loan account?

Security can be attached for a loan account by using CLM/HCL M menu option.

9. How to view the securities marked for a loan account?

The securities marked for a loan account are to be checked through SRM.CLM/HCLM inquiry menu option.

10. What is Limit Node? Limit Node is a tool which Finacle has provided in the application through which Banks would be able to monitor the advances at individual level or even group level.

MISCELLANEOUS

S.NO

QUERY SOLUTION

1 Branches are unable to get scheme wise balances of loan accounts like V-Cash, V-Mangala, and V-Kanyadaan etc. Why?

Take the report through BR menu option (Enter scheme GL sub head Code) which gives scheme wise balance of loan accounts

2 Loan installments not recovered from the operative accounts - Why?

Check “ACM S Option” for recovery details.Please enter the following:1)Hold in operative account for amount due as “Y”2) Repayment method. As “E”3) In second page enter account number in the field pertaining to “operative account id”.If all the fields are already existing, then:a) Check for “effective available amount” in operative account through “ACCBAL” menu.b) Check for any lien in the operative account through “ALM” menu.c) Check for manual transactions in loan accountd) Check for “overdue position” through “LAOPI” menu.

3 In some loan accounts installments are not being recovered. Branch manually

System will not recover installment amount if there is no demand. It will recover only after adjusting the overflow amount or after rephasement of the account

transferred the installments. But the system shows overflow amount. Why it is not raising the demand?

through ACM E option.

4 It is observed that debit/credit summations of the individual accounts is not appearing in the ACLI menu option, as the same is required for reporting in MCMR/QCMR and to ensure the servicing of interest/installment

You may invoke “ATOR” menu option for generating the said report.

5 To generate reminder letter to the borrower what menu is to be used?

To generate reminder letter to the borrower invoke menu option “LAODR”.

6 In Finacle the system has not recovered any amount from operative accounts towards loan installments. Why?

Batch job i.e. LADGEN and LADSP has not been done after migration of branch. Hence system has not recovered from these accounts.

7 How to change repayment schedule of a loan?

The repayment schedule of a loan account can be made by invoking ACM menu (Sub Option E)

8 In case of CCM accounts while returning the inward cheques to Service Branch, Branch found that the system does not debit Cheque return charges to the concerned account in case the accounts exceed the arrangement. Why?

The Cheque return charges will be debited by the system if sufficient balance is available in the account. Otherwise the system will create a lien in the account for the said amount. Any such lien created by the system can be viewed / ascertained through ACCBAL menu option. Whenever credits are received into the account, system will recover the amount under lien.

9 User is unable to post transactions due to the reason “withdrawal amount exceeds balance” in CCH / CCM accounts - Why?

Drawing Power might not have been fed in the limit. This can be done through “ACLHM” / “HACLHM” (D) menu and then post the transaction.

10 How to freeze / unfreeze an account?

An account can be freezed / unfreezed by invoking “AFSM” menu option.

11 How to change a password of a user?

The password of a user can be changed by invoking “PWMNT” menu option.

12 How to reverse a disbursement transaction made to an account?

The amount can be reversed by mentioning flow ID as DISBT

13 How to change expiry date of a loan account?

Expiry date of a loan account can be changed by using ACLHM / HACLHM (S) menu option.

14 For a loan account, effective available amount was “0”.

Give drawing power in ACLHM/HACLHM (D) menu.

15 How to issue a bank guarantee? Bank guarantee can be issued by using GMM menu option.

16 How to change the limit for OD/CC account?

Existing limit can be modified by using ACLHM/HACLHM menu and it should be verified.

17 User was unable to debit a loan account in respect of clearing cheque return for message “Clearing amount exceeds”

Modification of clearing limit is to be done in ACM menu (0 Option) and the same is to be verified. Then post the transaction.

18 How to know the repayment details for a loan account?

The repayment details for a loan account can be known by invoking LARSH menu.

19 User unable to credit the loan account by giving the message “ all principle demands should be uploaded first”

This problem should be corrected at backend; hence it should be referred to Help desk/ DIT.

20 Are there any charges for Yes, Intersol transactions are chargeable.(Refer

intersol transactions? HOC189/2005 dated 26/10/2005 and 140/2005 dated 06.08.2005 for details)

21 How to know the principal and interest outstanding for a particular account?

Principal and interest outstanding particulars can be seen through menu option “LAPSP”.

22 Whether pass sheet print of other branch can be printed at some other branch?

No, only other SOL account can be viewed but print cannot be taken.

23 For a loan account Memo pad exists message displayed

Since it is an exception, check it. Generally if the customer ID is modified and not verified then memo pad exists message will appear on the screen.

24 How to know a scheme for a loan account?

Give loan name in ACM menu and put F2 and select correct scheme code.

25 How to find out details of amount collected for a loan account?

User has to visit ACM “E” details and press shift F4 key to get the required details.(This can be seen in ACLI)

26 If installments are not taken properly what is to be done?

Rephase the account in ACM menu option.

27 How to change operative account in ACM scheme details?

Change the operative account details in ACM menu by visiting scheme (S – sub option) details..

28 How to reverse installment collected for a loan account?

Reverse the transaction in TM menu option by giving the flow id as NOCOL

29 How to take total debits and credits for a loan account?

The total debits and credits for a loan account may be taken by using menu option ACSP.

30 How to modify the auto loan recovery linked to an operative account?

Auto loan recovery linked to operative account can be delinked in ACM menu scheme details and it should be verified.

31 How to take the particulars of cash transactions happened during a particular day?

The required particulars can be obtained by invoking FTR menu option.

32 Branch unable to take pass sheet print by getting message collateral check failed why?

Branch to check for the “I” link web and keep it open while taking the print.

33 How to know the sanction limit for a loan account?

Sanction limit for a loan can be known by invoking ACLHI/ACCBAL menu option.

34 How to change sanction limit for a loan account?

Sanction limit for a loan account can be modified by using ACLHM / HACLHM (S) menu option.

35 How to give holiday period for a Housing loan account?

User to mentioned date of installment from it has to be collected in “I” details.( The installment recovery date is to be mentioned in ACM-E option for holiday).

36 How to renew a CCM account? CCM account can be renewed by using ACLHM/HACLHM menu option and it should be verified.

37 System is showing less available amount. How to rectify?

User to cancel lien already marked in ALM menu option if lien is not relevant.

38 For a loan account installments are irregularly collected. How to rectify?

User has to rephase the account (to rectify inconsistence date in E schedule) in ACM menu then account will be regularized.

39 For a loan account after freezing the account it is allowing the debits.

The set up might have changed to exception. It should be changed to error.(Refer the matter to DIT for change in parameter set up)

40 Branch unable to debit the account by giving the message Debit cash limit exceeds.

Branch to change the debit cash limit in ACM general account details and then go for transaction.

41 For a CCM account the pass sheet print is not coming fully. Why?

Branch to specify the pass sheet size as “W” in PSP menu and then print.

42 For a loan account system is showing Running limit. Why?

Branch has to change expiry date as current date in ACTODM menu and verify the same in ACTODMAU menu.(The running limit arises due to TOD)

43 System is showing overdue amount for a loan account. How to rectify?

Rephase the account in ACM menu Sub option “E”.

44 Branch unable to debit a CCM account by giving message insufficient balance.

Branch to verify the DP to the account through ACLHM/HACLHM menu.

45 How to give adhoc limit to the account?

Ad hoc limit can be given to a loan account by using ACLHM/ACLHM menu. Please refer detailed guideline given in this regard.

46 How to change number of installments for a loan account?

The change of number of installments can be done in ACM menu in “E” details and change the loan period in scheme “S” details.

47 While debiting a loan account it isgiving message withdrawal limitExceeds.

Branch to mention Drawing power and Sanction limit for the account by using ACLHM/HACLHM menu option.

48 Branch unable to credit loan account by giving message value date should be more than minimum value date for the account

This problem should be rectified at back end and it should be referred to DIT/HELPDESK.

49 Branch unable to post transaction. Why?

Branch to give additional details and post the transaction in TM menu.

50 How to verify Drawing power to a loan account?

Drawing power can be verified through ACLHM/HACLHM menu option.

51 How to verify Nomination details for an account?

Nomination details for an account can be Verified through ACM “N’ details.

52 How to verify Sanction Number for a loan account?

Sanction number for a loan can be verified through ACLHM/HACLHM option.

53 How to view Insurance details of a loan account?

Insurance details of a loan account can be viewed through SRM/CLM/HCLM menu option.

54 In the case of loan accounts, where repayment method will be mentioned?

The repayment method will be mentioned in scheme details, first screen.(Please also see E details)

55 Under loan repayment system, for a particular loan account option E is mentioned. Explain:

If the option is selected, it means installment recover from operative account to the extent of available balance.

56 Under loan repayment system where hold in operative account number will be mentioned?

We can find hold in operative number in ACM menu scheme details, second screen.

57 Under loan repayment method if option specified is T, what does it represent?

Under loan repayment method, if option specified is T – it means recover the dues by allowing a temporary overdraft to the extent of shortfall.

58 Under collateral linkage maintenance in general particulars ceiling parameter denotes:

Under CLM menu general details ceiling limit denotes, the limit up to which the loan/advance could be sanctioned backed by the security offered.

59 How to modify a guarantee? Modification of a guarantee can be done by using menu option GMM by giving function M. A guarantee once modified can be taken up further modification before verification. (by the same person)

60 What is reversal of guarantee? This is an intermediary step prior to closure of a guarantee. Any expired guarantee can also be reversed. Reversal of guarantee will reverse the contingent transactions already put through at the time of issue.

61 What are “Sweeps”? Sweeps is a facility wherein available balance from various accounts is pooled and utilized through any of the accounts. At the end of the day appropriate adjustments happen on its own.

62

How to take loan overdue report?

Invoke LOAPI menu option.

63

How to take limit liability report?

Invoke LLIR menu option.

64

How to take the report of the principal and interest collected for an account?

Invoke LAPSP menu option.

65How to take secured loan balancing report?

Invoke BR menu option enter GL code .

66 How to take ledger print of a customer account?

Invoke ACLPCA menu option.

67 How to take report containing customer accounts opened during a particular period?

Invoke ACLPCA menu option.

68 How to find out EMI for a loan account?

Invoke LAMOD /HLAMOD MENU option.

69 How to take balancing of loan accounts?

Invoke BR menu option.

70 How to take report for installments due for a loan account?

Invoke LARSH menu option.

71 How to take report of loan accounts for bifurcation of principal and interest amount?

Invoke SHOWREP menu option.

72 How to take balancing report of a Bank Guarantees?

Invoke GP menu option.

73 How to generate loan pass sheet print?

Invoke LAPSP menu option.

74 How to take TOD report? Invoke TODRP menu option.

75 How to take balancing report for a customer as on 31st March?

Invoke CUSTBALP menu option.(MIS server)

76 How to generate turnover report?

Invoke ATOR menu option.

77 How to take reports of accounts with balances of more than Rs 10 lakhs?

Invoke LAGI/ACSP menu option.

78 How to generate a report containing accounts closed on a

Invoke ACSP menu option.

particular day?

79 How to generate interest report for a loan account?

Invoke AINTRPT menu option.

80 How to generate report for all loans opened on a particular date?

Invoke LAGI menu option.

81 How to generate report for all loans with details of interest?

Invoke AINTRPT menu option.

82 How to take report of priority sector loans?

Invoke LAGI/ACSP menu option.

83 How to generate AOD report? Invoke DOCTR menu option.

84 How to take report of CC/OD balancing?

Invoke CCODBAL menu option.

85 How to take report of intersol transactions?

Invoke ISTR menu option.(MIS server)

86 How to take exceptional report? Invoke EXCPRPT menu option.

87 What is the menu option for Guarantee printing?

The menu option for Guarantee printing is GP.

88 How to find out Guarantees issued and liabilities register?

By invoking GILR menu option we can find out Guarantees issued and liability register.

89 How to find out Differential payment Guarantee register?

By invoking DPGR menu option we can find the same.

90 How to collect Guarantee over due charges?

By invoking GODCH menu option we can collect Guarantee over due charges.

91 How to find out Margin details for all overdue Guarantees?

Margin details for all overdue Guarantees can be found by invoking menu option BGMARGIN.

92 How to take interest certificate By invoking INTCERT menu option.

for a loan account?

93 How to generate loan account due notice form?

By invoking LAODR menu option.

94 How to take report of list of accounts and their limits and limit expiry dates for loan accounts?

Take the report by invoking LLIR menu option.

95 How to know installment for a loan account for a specific period?

Use LAMOD menu option.

96 How to take report of pending installment for a loan account?

Take report by using PLIST menu option.

97 User has credited all the cash to one loan account instead of many accounts. How to rectify?

Manually reverse the transaction and give credit to individual loan accounts.

98 There is a difference in account available balance and balance fields.

This may be because of lien which can be checked through ACM menu.

99 System has calculated interest @ 18% instead of rate mentioned in account details.

Sanction limit may not have been given in ACLHM menu.

100 User wanted to change customer ID of an account. How to change it?

User to change customer ID by using CCA menu option.

N P A Matters

S.NO

QUERY SOLUTION

1 Balance in the NPA account is inclusive of MOI debited after date of NPA. To reduce MOI component from balance, any report is available in the system?

Invoke menu option NPARPT. The system will debit interest to the account and credit the same to MOI in the same GL and will not be taken into P&L Account

2. Account classified as NPA wrongly even though it is a standard Asset—How to reverse it?

If any of the accounts not qualifies for classifying as NPA, you may classify the account as Standard asset by invoking menu option MEAC.

3. In some of the NPA accounts portion of the interest is being credited to IR account and portion amount to MOI. Why?

While migration, all the accounts were migrated as standard accounts. Subsequently, when the branch has invoked MEAC menu to classify the accounts as NPA, the date from which the migration took place and up to the date of invoking MEAC, the system will credit the portion of interest to IR account of the scheme, since the account is treated as standard account during that period.

4 Interest application is made in NPA-suit filed accounts as zero balance accounts.

This can be checked by generating a report through NPARPT menu option. The status of the account can be verified through ACM Y option. The status of the

account can be modified through MEAC menu option.

5 Regarding application of interest to NPA accounts in Finacle, What is the procedure to be followed?

In Finacle, the interest will be debited to NPA accounts and credited to the MOI of respective loan accounts. The interest so debited to the NPA accounts is not accounted as profit. Branch can view the accumulated MOI of the respective NPA accounts by invoking ACLI menu by selecting the MOI accounts of the concerned loan scheme.

FREQUENTLY ASKED QUESTIONS – INLAND BILLS

SL NO QUERY REPLY/SUGGESTIONS1. Balancing report of OBC

and CBPUse BRCR menu

2. To modify CBP commission and postage.

Modify the bill and modify the comm./postage charges in BM menu.

3. CBP realized but unable to verify due to fatal error.

Cancel the bill realisation. Realise and verify bill on the same day.

4. To dishonour bill Use BM menu option.5. User has reported that a bill

has been purchased and verified but the credit is not there in the account.

Verify the transaction generated after verifying the bill

FREQUENTLY ASKED QUESTIONS – REMITTANCE

SL NO QUERY REPLY/SUGGESTIONS1. Not able to generate CODD

file and copy to floppyUse IBRECON option and copy it in PTW menu

2. CO tansacaction done on another branch

HOCIP menu option

3. CO transaction as on date HOCIP menu

4. Pay DD issued by another branch on itself.

Add record in DDSM and verify, then pay DD.

5. To pay a DD issued by a non-finacle branch

Add record in DDSM menu by giving status as unpaid and not cautioned. Verify. Then pay DD using TM menu.

6. Correct DD inventory no is not being displayed.

Print the unprinted DDs or move the inventories to destroy location using IMC.

7. To cancel DD Use DDC menu8. Entered CO transaction with

wrong COT numberReverse the transaction and put new entry

9. Revalidate DD Revalidate using DDSM menu option.10. Reverse CO transaction Reverse CO transaction giving visit screen as ‘X’.11. DD print not coming Maybe there is no inventory in DD common location.

So move inventories and take DD print. OR ensure ilinkweb is connected.

12. Generate DD report Use DDIR menu option.13. To cancel a DD issued

before ‘Finacle’ implementation

Enter details in DDSM menu and cancel the same in DDC menu.

14. MT wrongly made on ‘X’ branch instead of ‘Y’.

Reverse the transaction.

15. User wanted to reverse an FRR transaction

Reverse the transaction Using TM Menu option.

16. Wrongly issued a DD on ‘X’ instead of ‘Y’

Cancel the DD by using DDC menu.

17. Wrongly debited the CO a/c instead of crediting and wanted to rectify the same.

Reverse the transaction in TM by giving visit screen as 'X' in CO details.

18. User wanted to revalue date a DD issued prior to Finacle.

Add the record in DDSM and revalue date can be changed there itself and the same to be verified.

19. User wanted to know the DD no for a particular transaction.

Find the DD no in TM by visiting additional details.

20. User is unable to do CO transaction

To give MISCR for credit & MISC for debit in CO transaction.

21. To take DD reprint Invoke REDRPT menu option. (DDREPRNT).22. User wanted to pay a DD

issued from nonfinacle branch.

Add the record in DDSM and has to be verified and then to pay the same.

23. To know all the unprinted DDs

Take the report in DDPALL menu option.

24. User wanted to issue a duplicate DD.

Do DDLOST first & issue duplicate DD using DDD.

25. To take DD reports for a Use DDIR menu to take the report

particular period. 26. User while generating the

DD print was getting an error inventory not available

The inventory is still lying in safe it has to be moved to common location invoking IMC menu.

27. To cancel the pay order issued.

Use DDC to cancel the pay order.

28. User wanted to cancel Payorder.

Cancel using DDC Menu option.

29. To take report of CO advice. Use HOCIP menu to take the report.30. To generate the report for

all CO entries responded from the Branch.

Use HOCIP menu

31. Menu for DD Summary & CO details.

Use DDIC & HOCIP menu to take the reports.

32. Unable to take DDCO abstract report

Use PR menu option.

33. User has reported that mail transfer head of a/c is not available.

User to select CO as head of a/c and in the additional details under category code, to select MT

34. To generate the summary of CO and DD

Invoke IBRECON menu, and transfer the same invoking PTW menu

Dos and D o n’ts in DEMAND DRAFT

S.No. Issue DO DONOT

01. Issue of Demand Draft

1. Select menu option TM and credit DD A/C 36301001 prefixed by sol id 5 digits followed by two zero’s.2. In additional details select contra account `Y`, and enter the DRAWEE Branch code No.

1. Do not credit any other account.2. Do not enter name of the branch. It is default picked up by the Branch code given.3. do not press F4 key without visiting commission field by pressing control `E`, whenever the amount is modified.

02 Draft Amount.

Cash DD should be up to Rs 49,999/ only.

Do not issue Cash DD for 50000 and above.

03 Exchange The system by Do not press F3 without accepting the

default populates commission amount. Wherever the exchange amount is to be modified press control `E` and modify the amount and press F4 to accept the change. The Changed exchange should be displayed in the additional details screen below the purchaser’s name field.

modified commission amount.

04 Printing Of Draft

1. Ensure that Ilinkweb is on.

2. Ensure that inventory is available in DD Common location.Press F10 to move the inventory to next No. and if print is not O.K, go for Reprinting.

1. Do not close ilinkweb.2. Move the spoiled DD to Destroy

location.3. Inventory Number should match

with the printed number of the DD. All the DD should be printed as otherwise the status will not be updated in data base and the system will not default the particulars.

4. Do not press F3, if print is O.K without pressing F10.

05 Cancel Demand Draft.

1. Use DDC option directly to cancel DD that are issued in Finacle.All the particulars are defaulted if the DD is Issued by a Finacle branch.

5.Do not use TM to cancel the DD.6 Do not alter DD account in DD Debit account 7 Do not enter exchange account Number in purchaser A/C.

8.Ensure the correctness of the credit account. Incase eposit account (If the repayment account is given as DD in

case of closing of Deposit)is populated change the account Number

2. The debit account in DDC by default is DD A/C.The Purchaser account which is credit Account is defaulted by the system and this will be the original account from where it was debited.

3. Create service charge part tran is `Y`

Whenever the charges are collected NON FINACLE DD1. For

cancellation of Non finacle DD put an entry in DDSM. And verify the same. And then go for cancellation.

2. The payee Branch code and the paying branch code should be the same. in DDSM.

9.Do not press Escape key without accepting by Pressing F4 , when charges is modified10.Do not cancel DD that are not issued by your branch.

3. The account numbers are not default populated. And this should be entered manually.

06Draft Advice

All Finacle Branches have CBS printed belowThe branch Name. For DD issued by Non finacle Branches the advice has to be entered in DDSM for Payment and cancellation.

Do not enter advice in DDSM for finacle Branches. This is already in the data base.

07

DD PaymentIn Finacle

For DD payment in transfer and cash mode,Select Menu option `TM`.Select DD account in a/c id. Instrument type Should be DD and DD serial Number should be entered in 2nd Field. Go for additional details. The system populates all the particulars of the DD.DD Payment in clearing.DD is paid in ICTM. And the Account should be DD account. The instrument No should be DD serial No. On pressing F4 the system displays a list of duplicate records. The relevant duplicate record should be selected

1. Do not enter printed Number in Instrument No field.2. Do not enter any values in 1st box in instrument No field.3. Do not enter any other values other than Printed Number in reference field. The printed No Should be inventory No. which is maximum of 8digits.

8 Payment of Non finacle DD by a Finacle Branch

The non finacle DD will be paid with a message `Improper advice` if the advice is not received. After receiving the advice the same should be entered in DDADV.

1. Do not enter Printed No in instrument No field.2.Do not enter any other Number other than DD serial Number3.Do not forget to modify the particulars of the DD amount and the Branch code of the selected record before committing.

9 DUPLICATE DD

1.Do enter in DDLOST Before issuing Duplicate DD in DDD.

1. Do not issue Duplicate DD without marking it as Lost2. Do not use DDD for issuing duplicate DD that are issued before migration

10 DDNPADV .This is to confirm Non payment from the drawee branch for issuing duplicate DD after marking it as lost.

This should be entered in the Branch from where DD is issued

11 DDIP This is an inquiry for the DD paid by the branch.

Do not give Printed number for query. Always use DD serial Number

FREQUENTLY ASKED QUESTIONS – DAY ENDSL NO QUERY REPLY/SUGGESTIONS

1 While doing CSOLOP getting message general ABH checks failed

Instruct user to keep the ilink open and then logout and then login again to go for ABH.

2 User was not able to do CSOLOP, though ABH went through fully.

Normally, some transaction might have been created during ABH. Hence, post the transaction and continue CSOLOP.

3 While doing ABH error - link connect failed.

The system should have Ilink web on and should be connected to printer while doing day end.

4 While doing ABH, system was giving an error Clearing zone not closed.

Verify which of the clearing zones is not closed.

5 User was unable to do CSOLOP – error - some unposted transaction pending.

Some TM Transactions may be in entered status. Invoke FTI menu and get such transactions. Post the transactions and then to go for ABH and CSOLOP.

6 User was not able to do ABH.

Maybe MCP for GBM not done. Do MCP first & then to do ABH.

7 User was getting message ABH failed, MICR inward clrg zone is open.

Close the inward clearing zone and then go for ABH.

8 System is hanging for a long time while doing ABH

Maybe it is month end and so ABH will take longer than normal for calculating interest.

9 While going for ABH, next date was shown, but their branch is on closed/has holiday the next day.

Mark the branch as holiday invoking CTM menu.

SL NO QUERY REPLY/SUGGESTIONS10 User has rpt while doing

CSOLOP he was getting a message general ABH checks failed

Asked the user to keep the Ilink open and then logout and then login again to go for ABH.

11 During CSOLOP, user was getting inventory not verified.

Cheque book issued may not be verified. Hence, verify & do the CSOLOP.a