01.08-BGL

08. BRANCH GENERAL LEDGER (BGL)

Section Section Description Page

08.01 Enquiry/ Amend Branch Clg. Transactions 166

08.02 BGL Account Enquiry 166

08.03 Account Number Search 167

08.04 BGL Transaction Enquiry 167

08.05 Branch Clearing Schedule Detail Enquiry 168

08.06 Branch Clearing Enquiry for Reconciliation 169

08.07 Branch Clearing Schedule Total Enquiry 169

08.08 Transactions in BGL Accounts 170

08.09 Transfer Transactions in BGL Accounts 173

08.10 BGL Correction Transaction 178

08.11 BGL Reconciliation Transactions 181

08.12 Systems Suspense BGL Accounts – Reconciliation Procedure

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08.13 Branch Clearing General Account - Revamp 197

Annexure-1 Cash Management Product 202

Annexure-2 Accounting Entries of CMP DDP Collection 204

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08. BRANCH GENERAL LEDGER (BGL)

Branch General Ledger accounts refer to all the internal and intermediate accounts in Core Banking. These accounts, unlike deposit / loan accounts, have a specific format - NNNNNBBBBBC. The first five digits represent the natural number, the next five digits represent the branch code, and the last digit is the check digit. (Check digit can be found out using the menu – General Enquiry Display Check Digit.)

It is a good idea for the branches to make a list of commonly used BGL accounts, for each function (such as for clearing, BC, DD etc.) so that precious time can be saved in searching for account numbers.

08.01 Enquiry/ Amend Branch Clearing Transactions:

Steps Description Screen No

1 Enquire/Amend Branch Clearing Transaction 020417

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

Menu Navigation:

Branch accounting (BGL) Br Clg Gen Acc (BCGA) Enq/ Amend Branch Clg Txn

SCR: 020417:GL: Enquiry/ Amend Branch Clearing transactions.

Click the search button to get all the pending branch clearing transaction for which schedules are generated.

Key in Reference Number in the “Enter the reference number of Amend” field and click on Amend.

Data entry Screen for which Schedule details were not given will come up.

Insert appropriate Branch code, Date, Originating and Responding schedule.

Click on Transmit.

A OK message will be displayed.

Go back to the same option in case more than one branch clearing entry is pending for schedule generation.

08.02 BGL Account Enquiry:


1 Enquire BGL Account 020400

The navigation path for Short Enquiry is,

Branch Accounting (BGL) Enquire Account

Enter the BGL Account No.

Brief description of the Options:

There are various types of enquiries available in Scr: 020400

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1. Normal Enquiry: Normal enquiry: SCR: 032013: „GL Budget Enquiry‟ is displayed, where month-wise break up of a BGL account along with other details could be seen.

2. Bank Cheque short enquiry: SCR: 032015: „GL: Bank Cheque Short Enquiry‟ is displayed, where cheque details in a BGL account are displayed.

3. Bank Cheque Long enquiry: SCR: 029054: „GL: Bank Cheque Long Enquiry‟ is displayed, where details regarding the transaction made through cheques in a BGL account are displayed.

4. Inward/ Outward posting enquiry: SCR: 032019: „GL: Bank Cheque Inward/ Outward posting enquiry‟ is displayed, where details of total transactions and Balance in a BGL account is displayed.

Click on Transmit

08.03 Account Number Search:


1 Account Number Search 029041

This menu is used for enquiring about the BGL account numbers by giving any or some of the words, which form part of the name of the BGL account.

Menu Navigation:

Branch accounting (BGL) Enquiry Account Number Search.

Screen SCR: 029041: „GL: Account Number Search‟ is displayed.

1. Insert brief Account name of BGL account

2. For example, for finding Suspense-T.A Bills account, type Susp in ledger name.

3. Click on Search.

4. Only 5 records are displayed in one go. Click on more to get more accounts.

5. Note down the required BGL account number for usage. As already said, it is a good idea to note down commonly used BGL account numbers so that valuable time need not be wasted for searching BGL account numbers.

08.04.01 BGL Daily Transaction Enquiry:


1 BGL Transaction Enquiry 020450

Menu Navigation:

Branch Accounting (BGL) Enquire Daily Transaction Enquiry

Screen No 020450 G/L: Transaction enquiry is displayed.

1. In the Field Account no. key in the BGL account number.

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2. Please use the filters to narrow down the search for e.g., in transaction type select from the dropdown „01:Financial transaction‟, „04:Other Details‟ and likewise other filters can be used as per the requirement.

The various filters available under Transaction Type dropdown are:

01: Financial Transactions

02: Credit Card Purchase Details

04: Other Details

20: Statement Narrative

21: Message Description

36: Transfer Details

47: Account Type/Home Branch Change

Click on Transmit.

The transaction details for the BGL account for the current date are displayed.

You can now see the transaction details.

08.04.02 BGL Periodic Transaction Enquiry:


1 BGL Transaction Enquiry1 020451

Menu Navigation:

Branch Accounting (BGL) Enquire Periodic Transaction Enquiry

Screen No 020451 G/L: Transaction enquiry1 is displayed.

1. In the Field Account no. key in the BGL account number.

2. Please use the filters to narrow down the search for e.g., in transaction type select from the dropdown „01:Financial transaction‟, „04:Other Details‟ and likewise other filters can be used as per the requirement.

The filters available are the same as in the case of Daily Transaction Enquiry.

3. Key in the From Date and To Date fields.

NOTE: The From Date and To Date cannot be of different months.

Click on Transmit.

The transaction details for the BGL account for the period are displayed.

You can now see the transaction details.

08.05 Branch Clearing Schedule Detail Enquiry:


1 Branch Clearing Schedule Detail Enquiry 020409

Menu Navigation:

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1. Branch Accounting (BGL) Br Clg Gen Acc (BCGA) Branch Clearing Schedule Detail Enquiry

2. Screen No 020409 „G/L: Branch clearing schedule detail enquiry‟.

3. In the Field Branch no. key in the Reporting Branch Code.

4. Against Reporting Date, key in the date for which schedule enquiry is to be done.

5. Against Schedule no., key in the schedule no. of the Reporting Branch for which the search is to be done.

6. Reference no. and amount filters are also available to narrow down the search.

Click on Search.

It will display the entire Branch clearing schedules of the branch with their status.

Click on More button to view more records.

08.06 Branch Clearing Enquiry For Reconciliation:


1 Branch Clearing Enquiry For Reconciliation 020419

Menu Navigation:

Branch Accounting (BGL) Br Clg Gen Acc (BCGA) Branch Clearing Enquiry for reconciliation

Screen No 020419: „Branch clearing general enquiry‟.

1. Against Branch no. key in the Reporting Branch Code.

2. Against Reporting from Date key in the date from which enquiry is to be done.

3. Against Reporting to Date key in the date upto which enquiry is to be done.

4. Against Schedule no., key in the Reporting Branch schedule no. for which the search is to be done.

5. Select from the filters: Other Branch No. or From Amount to Amount or Other Branch From date and Other branch to date as per the requirement.

Click on Search. Click on More button to view more records.

08.07 Branch Clearing Schedule Total Enquiry:

This enquiry is useful to get the total amount for a particular schedule on a particular date for the Branch.


1 Branch Clearing Schedule Total Enquiry 020410

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Menu Navigation:

Branch Accounting (BGL) Br Clg Gen Acc (BCGA) Branch Clearing Schedule total Enquiry

Screen No 020410 G/L: Branch Clearing Schedule total Enquiry

1. In the Field Branch no. key in the Branch Code.

2. Against Reporting Date, key in the date for which enquiry is to be done.

3. Against Schedule type, select appropriate Schedule from the dropdown.

Click on Transmit.

08.08 Transactions In BGL Account:

Various menus have been provided for putting through transactions in BGL accounts. These are used mainly for Cash remittance, Branch clearing transaction, ATM cash replenishment and other BGL transactions.

08.08.01. Cash Posting (Credit) BGL Accounts


1 G/L: Cash Depsot 020010

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

Menu Navigation:

Branch Accounting (BGL) Credits G/L: Cash Deposit

Screen No 020010 G/L: Cash Deposit

1. Field IOI Flag: Select ‘No’ or ‘Yes’ as the case may be from the drop down

2. In the Field Account no., key in the BGL account to be credited, for example Branch Clearing Account 98611BBBBBC.

3. In the Amount Field, key in the amount.

4. Against statement Narrative, enter brief particulars of the transaction.

5. For Branch Clearing transactions, select the appropriate schedule type from the dropdown (to be left blank for Non-Branch Clearing Transactions) and enter details in the additional fields that are displayed after the schedule type selection.

6. If the transaction being keyed in is a Reversing Entry in a Reconciliation Type BGL Account, the Reference Number (20 digit number starting with SYS000…)of the originating transaction needs to be entered. Otherwise this field is to be left blank.

7. Click on Transmit.

8. The cash drawer of the teller pops up. Key in the denomination wise details of the Cash being deposited.

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The transaction will be submitted in Queue for authorization (Refer: 14.01). The Queue Reference Number so generated is to be noted on the relative voucher(s).

The checker authorizes the Queue after verifying the transaction. On successful authorization, a Journal number will be displayed.

For Originating entries to a Reconciliation type BGL account, a 20-digit system generated reference number will be generated. For responding entries to a Reconciliation type of a BGL where the Originating entry is being fully reconciled, a Recon Sequence Number will be generated.

The relative Journal / Reference / Recon Sequence Number, as the case may be has to be noted on the voucher.

Click on OK.

08.08.02. G/L: Outward Clearing - Cheque Deposit


1 G/L: Outward Clearing - Cheque Deposit 020020

Outward Clearing Instruments for credit to BGL accounts can be entered through this menu option also.

Menu Navigation:

Branch Accounting (BGL) Credits G/L: Outward Clearing - Cheque Deposit

1. Screen No 020020 G/L: Cheque Deposit is displayed.

2. Against Account no., key in the BGL account to be credited.

3. Against Amount, key in the amount of the cheque being deposited.

4. In the Cheque No. field, key in the Cheque no. In MICR code field key in the MICR code of the center.

5. Against Instrument type, select the Instrument type from the dropdown for e.g. „10: Saving account‟, „11: Current account‟ etc.

6. In the „Instrument Date‟ field key in the date of cheque as in the ddmmyy format.

7. Select the appropriate option in the „Statement Narrative‟ and then enter brief description in the next box.

8. In the „Reference Number field, give the reference number of the Originating Transaction, in the case of a Reversing Entry to a Reconciliation type of a BGL. In all other cases this filed is to be left blank.

9. Against „Schedule Type‟, if the transaction pertains to Branch Clearing General Account, select the appropriate schedule from the dropdown. For non-branch clearing transactions this field is to be left blank. In case the Schedule Type is selected, the details in the additional fields displayed after the selection, MUST be entered.

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10. Against Clearing Date, key in the date on which the clearing is to be released.

11. Against clearing type, select the appropriate clearing type from the drop down for e.g. MICR/Non-MICR etc.

Note: Appropriate Clearing Session should been opened before hand.

Click on Transmit.

The transaction will be submitted in Queue for authorization (Refer: 14.01). The Queue Reference Number so generated is to be noted on the relative voucher(s). The checker authorizes the Queue after verifying the transaction. On successful authorization, a Journal number will be displayed.

For Originating entries to a Reconciliation type BGL a 20 digit system generated reference number will be generated. For responding entries to a Reconciliation type of a BGL where the Originating entry is being fully reconciled, a Recon Sequence Number will be generated. The relative Journal / Reference / Recon Sequence Number, as the case may be have to be noted on the voucher.

Click on OK.

08.08.03. G/L: Cash Disbursement


1 G/L: Cash Disbursement 020060

This menu is used debiting BGL accounts through cash as in the cases of Outgoing Cash Remittance and for ATM - Cash Replenishment.

Menu Navigation:

Branch Accounting (BGL) Debits Cash

1. Screen No 020060 G/L: Cash Disbursement is displayed.

2. In the Field „Account no.‟ key in the BGL account to be debited, e.g. enter the Branch Clearing General Account Number 98611BBBBBC in the case of Outward Cash Remittances and 98549BBBBBC in the case of ATM – Cash Replenishment.

3. In the „Amount‟ Field key in the amount to be debited.

4. Fill in the short description in the „Paid To 1‟ field.

5. The „Reference Number‟ field is to be filled in only in case of Reversing Entry to a Reconciliation Type of BGL, else this field is to be left blank. (For reversing Entry – input the system generated 20 digit reference number in this field.)


7. Fill in the Statement Narrative. For ATM Cash replenishment, please give the reference as A1T1DDMMYYYY A1 referring to the ATM Number,

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T1 representing replenishment Transaction number on date and date in the DDMMYYYY format.

Click Transmit.

The transaction will be submitted in Queue for authorization (Refer: 14.01). The checker authorizes the Queue after verifying the transaction.

8. On authorization, a queue number is generated, which goes to the Group Queue.

9. When the Maker retrieves this Queue item and clicks on Accept, the Cash drawer will pop up.

10. Fill in the denomination wise details of the Cash paid in the cash drawer. Ensure that (Give) / Receive field in the Cash Drawer shows 0 and transmit.

A message Cash Drawer Updated … Message returned from host => O.K. will be displayed on the maker‟s terminal on successful completion of the transaction.

08.09 Transfer Transactions In BGL Account:

In case of Branch clearing transactions, the details for both transaction part and schedule generation part are accepted in the same screen. The user has to select correct schedule type and give other details required for generation of Schedule, before transmitting the same.

Various menus have been provided to put through transfer transactions involving BGL accounts of the branch, which are discussed below:

Note: Branch clearing transactions not authorised will not be reported to IOA.

08.09.01. Intra-Branch


1 Intra-Branch 020045

This menu is used for the fund transfer between two BGL accounts.

Menu Navigation:

Branch Accounting (BGL) Transfer G/L : Fund Transfer

1. Screen No 020045 ‘G/L: Fund Transfer‟ is displayed.


3. In the Field „Transfer from G/L Account no.‟ key in the account number of the BGL account to be debited.

4. In the „Amount‟ Field key in the amount of transaction.

5. In the Field „Transfer to G/L Account no.‟ key in the BGL account to be credited.

6. Give appropriate narration in the field „Purpose of Transfer‟.

7. Against „Schedule Type‟, if the transaction pertains to Branch Clearing General Account, select the appropriate schedule from the dropdown.

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For non-branch clearing transactions this field is to be left blank. In case the Schedule Type is selected, the details in the additional fields displayed after the selection, MUST be entered.

8. In case of Reversing entries in a Reconciliatory Type of accounts, the „Reference No.‟ field is to be filled in with the system generated Reference Number of the relative originating transaction. In all other cases this field is to be left blank.

Click on Transmit.

A Queue reference no. will be generated. The Queue Reference Number so generated is to be noted on the relative voucher(s). The checker authorizes the Queue after verifying the transaction. On successful authorization, a Journal number will be displayed.

For Originating entries to a Reconciliation type BGL a 20 digit system generated reference number will be generated. For responding entries to a Reconciliation type of a BGL where the Originating entry is being fully reconciled, a Recon Sequence Number will be generated. The relative Journal / Reference / Recon Sequence Number, as the case may be have to be noted on the voucher.

Click on OK.

08.09.02 G/L: Transfer from Deposit Account


1 G/L: Transfer from Deposit Account 021031

This menu is used for transfer of funds from a deposit account to a BGL account.

Menu Navigation:

Branch Accounting (BGL) Transfer G/L: Transfer from Deposit Account

1. Screen No 021031 G/L: Transfer from Deposit Account is displayed


3. In the Field „From Deposit Account‟, key in the account number of the Deposit account to be debited.

4. In the „Amount‟ Field, key in the amount of the transaction.

5. In the Field „To G/L Account‟, key in the account number of the BGL account to be credited.

6. Give the appropriate narration in the Field „Statement Narrative‟.


8. In case of Reversing entries in a Reconciliatory Type of account, the „Reference no.‟ Field has to be filled in with the system generated

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Reference Number of the relative originating transaction. In all other cases this field is to be left blank.

9. Click on Transmit.


For Originating entries to a Reconciliation type BGL a 20-digit system generated reference number will be generated. For responding entries to a Reconciliation type of a BGL where the Originating entry is being fully reconciled, a Recon Sequence Number will be generated. The relative Journal / Reference / Recon Sequence Number, as the case may be has to be noted on the voucher.

Click on OK.

08.09.03. G/L to Deposit:


1 G/L : Transfer to Deposit Account 021051

This menu is used for transfer of funds from a BGL account to a deposit account.

E.g.: Debit Branch Clearing General A/c (98611<BRCD><CHECKDIGIT>)

Credit Customer (Deposit) a/c

(<BRCD> is the 5-digit Branch Code followed by 1-digit Check digit).

Menu Navigation:

Branch Accounting (BGL) Transfer G/L to Deposit

1. Screen No 021051 ‘G/L: Transfer to Deposit Account‟ is displayed.

2. In the Field „From G/L Account‟ key in the account number of the BGL account to be debited.

3. In the „Amount‟ Field key in the amount of the transaction.

4. In the Field „To Deposit Account „ key in the account number of the Deposit account to be credited.


6. In case of Reversing entries in a Reconciliatory Type of account, the „Reference no.‟ Field has to be filled in with the system generated Reference Number of the relative originating transaction. In all other cases this field is to be left blank.

7. Give appropriate narration in the field „Statement Narrative‟.

Click on Transmit.

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For Originating entries to a Reconciliation type BGL a 20-digit system generated reference number will be generated. For responding entries to a Reconciliation type of a BGL where the Originating entry is being fully reconciled, a Recon Sequence Number will be generated. The relative Journal / Reference / Recon Sequence Number, as the case may be has to be noted on the voucher.

An OK will be displayed.

08.09.04. CC/OD to G/L:


1 G/L: Transfer from CC/OD Account 022231

This menu is used for fund transfer from CC/OD Account to BGL account.

Menu Navigation: Branch Accounting (BGL) Transfer CC/OD to G/L

1. Screen No 022231 G/L: Transfer from CC/OD Account is displayed.

2. In the Field „From CC/OD Account‟ key in the account number of the CC/OD account to be debited.

3. Key in the amount of the transaction in the field „Amount’.

4. In the field Cheque No., the Cheque Number to be given if the transfer is against cheque.

5. Against „Instrument Type‟ select the appropriate option from the dropdown – most often this option would be 13:Cash Credit Account Cheque if the Cheque number is entered in the previous field.

6. Against Priority code, select the appropriate option from the dropdown e.g. P: Principal, I: Interest etc.

7. In the Field „To G/L Account „ key in the account number of the BGL account to be credited.

8. The date of the Instrument to be given in „Instrument Date’ field.

9. In case of Reversing entries in a Reconciliatory Type of account, the „Reference no.‟ Field has to be filled in with the system generated Reference Number of the relative originating transaction. In all other cases this field is to be left blank.


11. Give appropriate narration in the field Statement Narrative.

Click on Transmit.

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A Queue reference no. will be generated. The Queue Reference Number so generated is to be noted on the relative voucher(s). The checker authorizes the Queue after verifying the transaction. On successful authorization, an OK message is displayed. Note down the reference Number or Recon sequence Number or the Journal Number generated on the voucher.

08.09.05. G/L to CC/OD


1 G/L : Transfer to CC/OD 022051

This menu is used for fund transfer from BGL account to CC/OD Account.

Menu Navigation: Branch Accounting (BGL) Transfer G/L to CC/OD

1. Screen No 022051 G/L: Transfer to CC/OD Account is displayed.



4. In the Field „To CC/OD Account „ key in the account number of the CC/OD account to be credited.

5. In the Field „Priority‟ select the appropriate option from the dropdown e.g. P: Principal, I: Interest etc.

6. If it is a branch clearing transaction, select the appropriate Schedule in the Field „Schedule Type‟ from the drop down, else leave the field blank. In case the Schedule Type is selected, the details in the additional fields displayed after the selection, MUST be entered.

7. In case of Reversing entries in a Reconciliatory Type of account, the „Reference No.‟ Field has to be filled in with the system generated Reference Number of the relative originating transaction. In all other cases this field is to be left blank.Enter appropriate narration in the field „Statement Narrative‟.

Click on „Transmit‟.

A Queue reference no. will be generated. The Queue Reference Number so generated is to be noted on the relative voucher(s). The checker authorizes the Queue after verifying the transaction. On successful authorization, an OK message is displayed. Note down the reference Number or Recon sequence Number or the Journal Number generated on the voucher.

08.09.06.G/L to Loans Account:


1 G/L to Loans Funds Transfer 023250

This menu is used for fund transfer from BGL account to Loan Account.

Menu Navigation:

Branch Accounting (BGL) Transfer G/L to Loans Account

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1. Screen No. 023250 G/L to Loan Fund Transfer is displayed.



4. In the Field „To Loan Account „ key in the account number of the Loan account to be credited.

5. If it is a branch clearing transaction, select the appropriate Schedule in the Field „Schedule Type‟ from the drop down, else leave the field blank. In case the Schedule Type is selected, the details in the additional fields displayed after the selection, MUST be entered.

6. In the Field „Priority‟ select the appropriate option from the dropdown e.g. P: Principal, I: Interest etc.

7. Give appropriate narration in the field „Statement Narrative‟.

8. In case of Reversing entries in a Reconciliatory Type of account, the „Reference No.‟ Field has to be filled in with the system generated Reference Number of the relative originating transaction. In all other cases this field is to be left blank.

9. Click on „Transmit‟.

A Queue reference no. will be generated, indicating submission for authorization (Refer: 14.01). The Queue Reference Number so generated is to be noted on the relative voucher(s). The checker authorizes the Queue after verifying the transaction. On successful authorization, an OK message is displayed. Note down the reference Number or Recon sequence Number or the Journal Number generated on the voucher.

08.10.01 BGL Correction Transaction:

This menu can be used for reversing the erroneous entries put through on the same day. This is available as sub menu. The user has to key in all the relevant particulars including the TRACE NO. of the original transaction, it must be the replica of the original transaction which is to be reversed. The Trace No. can be found from the Transaction enquiry. (Correction here implies reversal of the wrong transaction). However it needs to be noted that correction cannot be done for Branch Clearing transactions. Branch Clearing transactions have to be reversed through Branch Clearing Reversing Schedules ONLY.

Note: The user has to put through the correct transaction after reversing (CORRECTION) the erroneous entry.

There are separate correction menus provided for putting through following corrections:

Intra branch (SCR: 020145 G/L: Correct Fund Transfer)

Cash Disbursement (SCR: 020160 G/L: Cash Disbursement- Correction)

Deposit/CC/OD to GL (SCR: 021131 G/L: Correct Transfer from Deposit A/c)

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GL to Deposit/CC/OD (SCR: 021151 G/L: Correct Transfer to Deposit A/c).

CC/OD to GL (SCR: 022331 G/L: Correct Transfer from CC/OD Account).

GL to CC/OD (SCR: 022151 GL: Correct Transfer to CC/OD Account)

G/L to Loan Account (SCR: 023350 G/L: To Loans Funds Transfer Correction).

08.10.02 Cash BGL Rectification:

This menu is to be used for posting the Cash Rectification transaction.

Menu Navigation:

Branch Accounting (BGL) Cash BGL Rectification.

Select the appropriate transaction type from the list viz.:

Debit Loan

Credit Loan

Debit CC/OD

Credit CC/OD

Debit Deposit

Credit Deposit

Debit BGL

Credit BGL

Debit BGL Other Branch

Credit BGL Other Branch

Fill in the mandatory fields. The system will automatically pick up the Cash Rectification Account (BGL 98955BBBBBc) and the Branch Cash Account 1204505001will be updated after the end of that day.

Important Points:

1. No direct postings to be done in 98955 account.

2. The account should not be used for updation of cash drawer.

3. The account should not be used for rectification of ATM Replenishment Transaction.

4. The account should not be used for rectification of Currency Chest Transaction.

Branches are required to prepare rectification vouchers for these transactions and these duly authorized vouchers are to be kept for auditor‟s verification.

08.10.03 Batch/Technical Rectification:

08.10.03.01 Batch

In view of the introduction of the new transfer batch utility wherein a new BGL account 99512 Batch Posting - OLRR has been introduced, Technical Suspense entries will be largely eliminated. It is therefore, necessary that batches be

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properly monitored. This menu option provides a batch enquiry separately for posted and failed batches.

Menu Navigation:

Branch Accounting (BGL) Batch/Technical Rectification Batch

The options are:

Posted Enquiry

Failed Enquiry

Select the appropriate option from the menu.

Select batch type from the dropdown and click on execute button. The system will display the list of batches. Select the batch about which an enquiry is to be made and click on Return Batch ID. However, this option is not to be used for rectification of batches, for which the Batch Transaction Menu option only should be used.

08.10.03. Others:

This option is to be used for Technical Suspense rectification.

Select the appropriate transaction type from the list viz.:

Debit Loan

Credit Loan

Debit CC/OD

Credit CC/OD

Debit Deposit

Credit Deposit

Debit BGL

Credit BGL

Debit BGL Other Branch

Credit BGL Other Branch

Fill in the mandatory fields. The date to be input is the date of the original transaction for which correction entry is now to be passed. Accordingly the system picks up the appropriate BGL. Branches should not post direct entries to account numbers 99513 and 99514.

Branches are required to prepare rectification vouchers for these transactions and these duly authorized vouchers are to be kept for auditor‟s verification.

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08.11. BGL Reconciliation Transactions:

For reconciliation of BGL accounts various sub-menus have been provided viz. Reference no. Search, Reconciliation enquiry, and Manual reconciliation.

08.11.01. Reference Number Search


1 Reference Number Search 029042

The System generates a unique alphanumeric reference no. (e.g. SYS00000000000000001 - Twenty digits) for all Debit or Credit entries originated in the reconciliatory accounts.

This menu is useful in searching for Reference no. of unreconciled entries only.

Menu Navigation:

Branch Accounting (BGL) Reconciliation Reference Number Search.

1. Screen No. 029042 G/L: Reference Number Search is displayed.

2. In the Field „BGL Account Number‟ key in the account number of the BGL account to be enquired.

3. Some filters viz. Date and Amount have been provided to narrow down the search.

Click on Search.

It will display the outstanding (Debit or Credit) entry along with the reference no., which can be subsequently used for reconciliation.

08.11.02. Reconciliation Enquiry


1 Reconciliation Enquiry 029043

This menu can be used for retrieving the details of all the Reconciled as well as Unreconciled entries of a particular BGL account.

Menu Navigation:

Branch Accounting (BGL) Reconciliation Reconciliation Enquiry

1. Screen No. 029043 G/L: Reconciliation Enquiry is displayed.

2. In the Field „BGL Account Number‟ key in the account number of the BGL account to be enquired.

3. The Fields „Reconciliation Status‟ and „Entry type‟ can be used as per the requirement.

4. Some other filters viz. Date, Amount and Reference no. has been provided to narrow down the search.

Click on Search.

It will display the outstanding (Debit or Credit) entries along with the reference no., which will be subsequently used for reconciliation.

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08.11.03. Manual Reconciliation:


1 Manual Reconciliation 029044

In case of one-to-many, many-to-one and many-to-many reconciliatory type of transactions, the BGL accounts can be credited/debited without matching the originating transactions. After completion of the transactions, the reconciliation is to be done manually using this menu.

Menu Navigation:

Branch Accounting (BGL) Reconciliation Manual Reconciliation

1. Screen No. 029044 G/L: Manual Reconciliation will be displayed.

2. In the field, BGL Account No., give the Account Number.

3. Some other filters viz. Date, Amount and Reference no. have been provided to narrow down the search.

Click on Search.

4. The outstanding (Debit or Credit) entries along with the reference no., Entry date, Amount, Currency and Type is displayed. The user has to identify those entries which were already posted but Unreconciled and „Y‟ has to be given against these entries in the field, „Y‟ to Select.

Click on Reconcile

Note: If the Manual Reconciliation is not done, then the BGL accounts may show NIL balance, but the entries will be outstanding in the Branch Books as Debit and Credit entries.

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08.12 System Suspense BGL Accounts Reconciliation Procedure:

Sl.No

BGL No.

BGL Name Reconciliation Process

1 98516 SYS SUS–BNK. CQ. TO BE ISSUED AC

(a) Originating credit is posted by the system when the transaction is put through using the Remittance Module- Receipt of funds.

Dr Customer / Cash Cr 98516 Sys Susp Banker Chq to be Issued (b) On issuing the Banker Cheque using the Issue

option the following entries are passed Dr 98516 Sys Susp Banker Chq to be Issued Cr

Banker Cheque Account (c) Normally after the issue of all the banker

cheques the balance in the account would become zero.

(d) In case there is balance in the account, the branch may use the enquiry option - Inland Remittance > Enquiries > Other Remittance and select status '00:To Be Issued‟ to find the entries where the Banker Cheques have not been issued on the system.

(e) Thereafter go through step (b) to issue the banker cheques on system to zeroise the System Suspense Account.

(f) In addition to (a) above, credits into this account may be due to the following also. (i) Steps E-transfer / Rapid Remittance credit

where the account number is not matching.

(ii) TDR Payout where transfer option is selected as banker cheque.

(iii) Standing Instruction - Where SI is set up. (g) In the case of (f)(i) above, the user has to go

through the menu - Inland (Rupee) Remittance > Steps Rev Posting > ET/RR Rev Posting - to reverse the failed ET/RR entries parked in 98516–Banker Cheque to be Issued Ac.

(h) In the case of (f)(ii) and (f)(iii) above, the branch should check for transactions in account and take corrective action.

184

System Suspense BGL Accounts Reconciliation Procedure (Contd.):

Sl.No

BGL No.


2 98524 SYS SUS- DRAFT TO BE ISSUED AC

(a) Originating credit is posted by the system when the transaction is put through using the Remittance Module- Receipt of funds. Dr Customer/ Cash Cr 98524 Sys Susp Drafts to be Issued

(b) On issuing the Draft using the Issue option the following entries are passed

Dr 98524 Sys Susp Drafts to be Issued Cr Drafts Account (c) Normally after the issue of all the drafts the

balance in the account would become zero. (d) In case there is balance in the account, the

branch may use the enquiry option - Inland Remittance > Enquiries > Other Remittance and select status '00: To Be Issued‟ to find the entries where the Drafts have not been issued on the system.

(e) Thereafter go through step (b) to issue the drafts on system to zeroise the System Suspense Account.

(f) In addition to (a) above, credits into this account may be due to the following also. (i) TDR Payout where transfer option is

selected as drafts. (ii) Standing Instruction - Where SI is set up.

(g). In the case of (f) above, the branch should check for transactions in account and take corrective action.

3 98528 SYS SUSP - E-REALIS-ATION REVERSAL AC

(a) The entries into this account are posted by the system for E-Realisation for wrong DDP No., and where DDP entry is already marked off.

(b) The entries put through by the system at this stage are

Dr Steps E-Realisation Account (98694) Cr 98528 Sys Suspense ER Reversal Ac (c) Using DDP Realisation menu, select Realisation

- Dishonour -Cheques (screen 20042) - Yes and complete the transaction. The following entry is passed.

Dr 98641 - DDP Other Banks Cr 98644 - DDP Cheques

(d) Then manually put through the following entry Dr 98528 Sys Susp ER Reversal Ac

Cr 98641 - DDP Other Banks

185


Sl.No

BGL No.


4

98529

SYS SUSP AC FOR EXIMBILLS TXNS

FOR EXIMBILL BRANCHES ONLY (a) This account is used as an Intermediate

Account for EximBills transactions. (b) The originating transactions into this account

are put through by the EximBills software. (c) The user has to reverse the entries manually in

Bancs24.

5

98531

CMP – DDP CREDIT COLLECTION AC

FOR CMP BRANCHES ONLY a) Please refer to Annexure - 2 for the accounting

entries. b) Branches have to set up BGL Sweep to sweep the

balance in the account to Branch-4266-CMP Centre.

c) If the balance in the account is not zero, please check whether the sweep is set up properly.

6

98532

CMP – DDP DEBIT COLLECT-ION AC

FOR CMP BRANCHES ONLY a) Please refer to Annexure - 3 for the accounting

entries. b) Branches have to set up BGL Sweep to sweep the

balance in the account to Branch-4266-CMP Centre.

c) If the balance in the account is not zero, please check whether the sweep is set up properly.

7

98533

SYSTEM SUSPENSE AC – ORIG CREDIT

a) This is a recon-type account - One-to-many, Originating Credit with System generated Ref.No.

b) In this account originating and responding entries are manually put through by the users.

c) This account should invariably be made zero by the end of day.

d) The outstanding entries in the account are available in the daily report

Audit_BGL_accounts_age_wise_break_up_gend0805. txt.gz. The reference no. is also available in this report.

186


Sl. No

BGL No.

BGL Name

Reconciliation Process

8

98534

SYSTEM SUSP-ENSE A/C – ORIG DEBIT

a) This is a recon-type account - One-to-many, Originating Debit with System generated Ref.No.

b) In this account originating and responding entries are manually put through by the users.

c) This account should invariably be made zero by the end of day.

d) The outstanding entries in the account are Available in the daily report

Audit_BGL_accounts_age_wise_break_up_gend0805.txt.gz. The reference no. is also available in this report.

9

98543

INWARD CLEAR-ING SUSP-ENSE A/C

a) Only Inward Clearing transactions should be posted to this account

b) Branch should not use it for parking other types of transactions

c) When the individual cheques of Inward Clearing are posted the following entries take place

Dr Customer Ac (successful debits) Dr 98557 - OLRR Suspense Ac (where customer

account could not be debited for any reason) Cr 98543 - Inward Clearing Suspense Ac. (d) On receipt of TR advice for the clearing amount

from Service Branch/ Main Branch the following entries are posted.

Dr 98543 - Inward Clearing Suspense Ac Cr Branch Clearing General Ac. (e) Balance in this account should be equal to the

clearing amount for which TRs have not been received from Service Branch/ Main Branch.

(f) Inward Clearing transactions are also posted using the Trickle Feed mechanism. (i) ICL - In this type of Trickle Feed, softcopy received from Service Branch without account numbers is uploaded by branches and consolidated credit is given to 98543 - Inward Clearing Susp Ac. (ii) IAN - In this type of Trickle Feed, softcopy with account numbers is uploaded by branches and individual credits are posted to 98543 – Inward Clearing Susp Ac. (iii) CIL - In this type of Trickle Feed, softcopy of inward clearing of many branches is uploaded by Clearing CPC. The data received from Service Br. is cleaned by Clearing CPC and the account no. is Added using the SAN-MICR codes. In this case the Inward Clearing Ac of Clearing CPC is credited.

187


Sl.No BGL No.


10

98549

ATM CORE TRANS-ACTIONS ACCO-UNT

(a) This account is used during the day for withdrawal transactions done by the customers on ATMs.

(b) When the customer does an ATM withdrawal transaction, the following entries take place. Dr Customer Cr 98549 – ATM Core Transactions Ac of Branch to which the ATM is attached (Based on Branch Code in Station ID).

(c) At the end of the day the balance in the account is transferred to 98549 account of ATM Switch Centre through sweep. Dr 98549 - ATM Core Transactions Ac of Branch Cr 98549042926 - ATM Core Transactions Ac of ATM Switch Centre. Thereby zerosing balance in the account at the branch.

(d) Branch should NOT post any manual transactions in the branch account.

(e) Branches should continue to use ATM Switch Centre Account 98549042926 - ATM Core Transactions Ac for the following transactions. (i) ATM Cash Replenishment (ii) Reversal of transactions based on SWOS/ BROS reports

1 98551 SYS SUSP – GIFT CHQ TO BE ISSUED

(a) Originating credit is posted by the system when the transaction is put through using the Remittance Module- Receipt of funds. Dr Customer/ Cash Cr 98551 Sys Susp Gift Chq to be Issued

(b) On issuing the Gift Cheques using the Issue option the following entries are passed Dr 98551 Sys Susp Gift Chq to be Issued Cr Gift Cheque Account

(c) Normally after the issue of all the Gift cheques the balance in the account would become zero.

(d) In case there is balance in the account, the branch may use the enquiry option - Inland Remittance > Enquiries > Other Remittance and select status '00: To Be Issued1 to find the entries where the Gift Cheques have not been issued on the system.

Thereafter go through step (b) to issue the Gift cheques on system to zeroise the System Suspense Account.

188


Sl. No

BGL No


12 98556 SYS SUSP – TT TO BE ISSUED

(a) Originating credit is posted by the system when the transaction is put through using the Remittance Module – Receipt of funds Dr Customer / Cash CR 98556 Sys Susp TT to be Issued

(b) On issuing the TT using the Issue option the following account is debited

Dr 98556 Sys Susp TT to be Issued (c) Normally after the issue of all the TTs the

balance in the account would become zero. (d) In case there is balance in the account,

the branch may use the enquiry option - Inland Remittance > Enquiries > TT (Telegraphic Transfer) and select status '00: First Step Done‟ to find the entries where the TTs have not been issued on the system.

(e) Thereafter go through step (b) to issue the TTs on system to zeroise the System Suspense Account.

13 98557 OLRR – SUSP SYS – SUSP

(a) Balance pertains to the instruments not debited to customer accounts for any reason

(b) Manual decision has to be taken to either pay or dishonour the instrument using the menu option - Clearing > Inward Clearing > Presentation > Online Rejection Referral Enquiry.

(c) If paid, system will debit customer account.

(d) If dishonoured, system will debit 98575 - OLRR-DISHONOUR AC Account should become zero on daily basis.

189


Sl. No

BGL No.


14 98561 SYS SUSP – INTERNET BKG

(a) The entries are originated by the system and responded by the system

(b) Both originating credits and originating debits are posted to this account.

(c) The account should automatically get zeroised.

(d) Branch should monitor the account daily. (e) In case balance is found in the account,

branch may contact INB Dept with details.

For all manual intervention transactions (e.g. draft issue requests etc.) user should enquire through menu - Other Delivery Channels > Internet Banking > Manual Intervention Transactions - Requests. The user should take necessary action and change the status in the above screen to „Processed‟

15 98567 SYS SUSP – e- TRANSFER AC

(a) This account is used as intermediate account for Steps E-Transfer transactions

(b) On receipt of funds the following entries take place. Dr Customer Cr 98567 Sys Susp E-Transfer Ac

(c) On issue of E-Transfer transaction (using the Issue Option) the following transactions take place. Dr 98567 Sys Susp E-Transfer Ac Cr Steps E-Transfer Ac of PSG-DAU-BrCd-4430 Thereby zeroising the System Suspense Ac.

(d) In case balance is found, it means the step (c) has not been put through.

(e) Enquire the status of transactions and put through the step (c).

190


SL. No

BGL No


16 98568 SYS SUSP – e – REALISATION AC

(a) This account is usedas intermediate account for Steps E-Realisation transactions.

(b) On receipt of funds the following entries take place. Dr Customer Cr 98568 Sys Susp E-Realisation Ac

(c) On issue of E-Realisation transaction (using the Issue Option) the following transactions take place. Dr 98568 Sys Susp E-Realisation Ac Cr Steps E-Realisation Ac of PSG-DAU-BrCd-4430 Thereby zeroising the System Suspense Ac.

(d) In case balance is found, it means the step (c) has not been put through.

(e) Enquire the status of transactions and put through the step (c).

17 98571 SYS SUS – REJECTED TRICKLE FEED

(a) All failed Trickle Feed transactions land into this account.

(b) The transactions may be both debit and credit in nature.

(c) The branch has to go through the Trickle Feed Status reports and reverse the transactions manually.

18 98575 OLRR – DISHONOUR AC

(a) the balance in this account pertains to the dishonoured cheques of inward clearing.

(b) At the end of the day, entries should be transferred to 98731 – Branch Suspense account.

(c) The entries must be reversed on receipt of TR from Service Branch/ Main Branch as the case may be.

191


SL No

BGL No.


19 98577 CMP COLLECTION (BRANCH) SUSP AC

FOR CMP BRANCHES ONLY (a) On branch transfer transactions and credit

balance transfer transactions will be put through 98577 CMP Collection (Branch) Suspense account manually and the details will be entered in CMP PC.

(b) On branch Transfer Transactions: Dr Customer

Cr 98577 CMP Collection (Branch) Suspense a/c (c) Transfer of Credit balance from the Customer

a/c: Same as above. Instead of individual transactions, the credit balance at the CMP cut-off time will be transferred to 98577 CMP Collection (Branch) Suspense a/c

(d) At EOD, the BGL Sweep takes place transferring the balance to 4266 CMP Centre

Dr 98577 CMP Collection (Branch) Suspense Ac Cr CMP Core Collection Account at Branch 4266-CMP

Centre (e) The BGL Sweep will ensure that the balance in

the account is zeroised at EOD. (f) For detailed procedure, please refer

Annexure-1.

20 98578 CMP BALANCE TRANSFER AC

FOR CMP BRANCHES ONLY (a) Transfer of Debit balance from customer

account will be routed through 98578 CMP Balance Transfer Ac

Dr 98578 CMP Balance Transfer Ac Cr Customer (b) Instead of individual transactions, the debit

balance at the CMP cut-off time will be transferred to 98578-CMP Balance Transfer Ac.

(c) At EOD, the BGL Sweep takes place transferring the balance to 4266 CMP Centre

Dr CMP Core Collection Account at Branch 4266 -CMP Centre Cr 98578 CMP Balance Transfer Ac

(d) The BGL Pull sweep will ensure that the balance in the account is zeroised at EOD.

(e) More details on settings for Sweep are given in Annexure-1.

192


Sl No

BGL No.


21 98579 CMP LATE RETURN & OTHER DEBITS AC

FOR CMP BRANCHES ONLY (a) This account is used for handling clearing

cheques, which are returned beyond the stipulated return discipline & any other debits.

(b) Late Returns and other debit transactions will be debited to 98579 - CMP Late Returns and Other Debits Ac

(c) At EOD, the BGL Sweep takes place transferring the balance to 4266 CMP Centre

Dr CMP Core Collection Account at Branch 4266-CMP Centre

Cr 98579 CMP Late Returns and Other Debits Ac

(d) The BGL Pull Sweep will ensure that the balance in the Sys Susp account is zeroised at EOD.

(e) More details on settings for Sweep are given in Annexure-1.

22 98580 E–COLLECTION TO BE ISSUED AC

(a) Originating credit is posted by the system when the transaction is put through using the Remittance Module – Receipt of funds Dr Customer Cr 98580 through Remittance Module

(b) On going through the Issue option to issue the E-Collection the following entry is generated.

Dr 98580 E-Collection To be Issued Ac Cr E-Collection Ac at PSG-DAU-BrCd-4430 Thereby zeroising the balance in 98580 Ac (c) In case balance is found, it means the step

(b) has not been put through. (d) Enquire the status of transactions and put

through the step (b).

193


Sl. No

BGL No.


23 98581 ATM CASH DISBURSED – CUST AC NOT DEBITED

(a) Originating transaction is posted by the system where ATM has disbursed cash but the customer account is not debited.

(b) The account is a reconciliation type account – one to- one, originating debit with system generated reference number.

(c) The branch has to post the following entry: Dr Customer

Cr 98581 - ATM Cash Disbursed-Cust Ac Not Debited.

(d) The transactions posted by the system in this account are given in the report with details ATM_SUSPENSE_POSTINGS_REPORT_infdll30.txt The branch may use the report to reverse the entries.

(e) The outstanding entries in the account are also available in the daily report

Audit_BGL_accounts_age_wise_break_up_gend080 5.txt.gz. The reference no. is also available in this report.

24 98582 CUST AC DEBITED – ATM CASH NOT DISBURSED

(a) Originating transaction is posted by the system where Customer account is debited but ATM has not disbursed cash.

(b) It is a reconciliation type account - one-to-one, originating credit with system generated reference no.

(c) The branch has to post the following entry Dr 98582-Cust Ac Debited-ATM Cash Not Disbursed

Cr Customer (d) The transactions posted by the system in this

account are given in the report with details ATM_SUSPENSE_POSTINGS_REPORT_infdll30.txt The branch may use the report to reverse the entries.

(e) The outstanding entries in the account are also available in the daily report


194


SL. No

BGL No.


25 98586 INWARD RETURNS SUSPENSE AC

FOR SERVICE BRANCH ONLY (a) This account is meant for Service Branches

only. (b) Other branches should not use this

account.

26 98587 OUTWARD RETURNS

FOR SERVICE BRANCH ONLY (a) This account is meant for Service

Branches only. (b) Other branches should not use this

account.

27 98588 INWARD COLLECTIONS SUSPENSE AC

FOR SERVICE BRANCH ONLY (a) This account is meant for Service

Branches only. (b) Other branches should not use this

account.

28 98589 RBI RFS INTERMEDIATE AC

(a) This intermediate account is used for RBI Remittance Facility Scheme account. (b) This account should be made zero by the

end of the day

29 98593 RTGS REJECTED TXNS AC

(a) The RTGS transactions are originated in two ways. (i) R - 41 Customer Payment Request (ii) R - 42 Inter-bank Payment Request

(b) R-41 transactions would be by debit to Cash, Customer Account or BGL

(c) The failed outgoing RTGS transactions (Cash and BGL), which have been returned on rejection by the other Bank land in this account.

(d) In case of failed outgoing RTGS transactions (Customer accounts), which have been returned on rejection by the other Bank are credited directly to the account, which was earlier debited. This BGL account is not used in this case.

(e) Incoming R-42 transactions will be credited to this account only.

The branch should enquire this account and the RTGS Enquiry during the day and take corrective measures to zeroise the accounts.

195


Sl. No.

BGL NO.


30 98598 DRAFT REVERSAL (SCH-55) SYSTEM SUSP AC

(a) Please refer to relative chapter under Remittances for detailed procedure of using this account.

(b) The outstanding entries in the account are available in the daily report


196


31 99512 BATCH POSTING - OLRR

(a) This account is not accessible by branches they can only view the transaction enquiry.

(b) System will ensure that the totals of all debit and credit row in the batch are tallied before allowing Maker to transmit the batch.

(c) During the authorisation of the batch, System transmits all debits listed in the batch and after confirmation of successful posting of debits transmits the credits. System also ensures that a Credit does not happen if any one of the debits failed.

(d) If first debit failed system will not pass any internal entry.

(e) If one or more of the debit posted successfully but One or more of the debit failed then system will pass an internal entry for crediting 99512 – BATCH POSTING - OLRR account with the sum of all posted Debits.

(f) If all debits posted successfully but one or more of the credit failed then system will pass any internal entry for crediting 99512 - BATCH POSTING – OLRR account with the sum of all failed credits.

(g) Branch has to enquire 99512 - Batch Posting –OLRR account and ensure zeroisation of account without fail on daily basis.

(h) If any of the transaction in the batch is a government transaction, then additional details for the same must be keyed in through screen number 7055 and ensure that there are no pending additional details at the end of the day. Also note that for PPF and SCSS no additional details are required.

(i) To rectify the pending entries in the failed batches, retrieve the concerned batch and rectify the failed rows. No manual entry needs to be passed.

(j) Branches should rectify the failed batches and the system will zeroise 99512 - Batch Posting OLRR account on successful rectification of failed batches.

197

08.13 Branch Clearing General Account (BCGA) Revamp

08.13.01 Need for the New BCGA Revamp.

In accordance with the recent RBI instructions, Banks have been advised that while computing Net Demand & Time Liabilities (NDTL), for calculation of CRR/ SLR, the net balance in their IOA be treated as Outside Liabilities and included in NDTL. To arrive at such balance, internal transactions (either Originating Debit or transaction between two branches / offices) are to be excluded, so that only the net credit balance that are in the nature of Outside Liabilities are included in NDTL.

RBI had also observed that in our Bank TTs are being netted off against Originating Debits in BCGA as a result of which Outside Liabilities are understated. As per RBI guidelines, On Balance Sheet, TTs need to be classified as Bills Payable (like Drafts a/c etc).

Further, we also do not have separate accounts to route customer liability transactions and internal transactions in IOA and are including net balance in IOA, if credit, for NDTL calculations.

08.13.02 Difference between DTL and Non-DTL transaction.

Transactions involving customer related Originating Credits (for e.g. SC/STEPS etc.) and corresponding Responding Debits would be treated as DTL transactions.

Non-DTL transactions are internal transactions (Non- Customer related) and some of the example under BCGA would be Annual transfer of Balances, Annual Closing transactions etc.

08.13.03 Major changes in B@ncs24, consequent to BCGA Revamp.

The major developments that have been done in B@NCS24 are: -

A. Earlier, Schedule 1 & 2 were selected automatically by the system in case of TT transactions in the remittance module. Now the Schedules 1 & 2 are made available in all screens where Branch Clearing account is used. The user has to select the correct branch clearing schedule depending upon the nature of the transaction (either DTL or Non DTL).

mailto:B@ncs24

mailto:B@NCS24

198

B. Similarly, in case of realisation of a Short Collection (SC) and Cheque Purchase (DDP) transaction, Schedule 4 was automatically selected by the system. But in the changed process, only DDP realisation will be reported through Schedule 3-4 and SC realisation should be through Schedule 1-2 (as it is a DTL transaction).

C. New dropdowns have been provided in DDP/SC realisation screen for selecting Schedule 2 or Schedule 4 as the case may be.

D. Schedule 5-6, which were not available, earlier is now made available in all the screens to reverse Schedule 1 and Schedule 2. Schedule 5 & 6 is to be used in case of their mutual reversals too.

Schedule 1 and 2 are made available in all the

screens as the User has to select manually

depending upon the transaction (either DTL or

Non-DTL) and also the corresponding BGL a/c

98605(DTL) or 98611(Non DTL)

In SC/DDP realization screen the User has to select the correct schedule (either Schedule – 2 or

Schedule - 4 as the case may be)

199

08.13.04 Changes due to BCGA Revamp.

Since customer and non-customer entries are to be segregated in Weekly Statement of Affairs (WSA), two separate BGLs will be used.

The existing BCGA – 98611 will be used as BCGA-Non DTL and the new BGL 98605 will be used as BCGA-DTL.

Account Number

Description CGL Account Weekly Mapping

98605+BBBBB+C Branch Clearing General Account (DTL)

1109 5050 01 Debit Balance: A 41 A Credit Balance: L 44 A

98611+BBBBB+C Branch Clearing General Account (Non-DTL)

1106 5050 02 Debit Balance: A 31 A Credit Balance: L 33 A

08.13.05 Revised Structure of the Branch Clearing Schedules.

The new structure of BCGA schedules is detailed below:

Customer Related Transaction:

Originating Responding Remarks Mapped to BGL

Sch.1- (Originating Credit)

Sch.2 - (Responding Debits for Schedule 1)

Sch.1: Used only for originating credits favoring Customers and Banks (other than SBI) including SCs Realised (Cheques & Bills), PF related credits, etc,

Mapped to BGL 98605

Schedule 5 / 6 will be used to reverse Schedule 1,6 / 2,5 made available in all the screens

200

excluding DDP Realisations related Transaction Sch.2: Responding customer Debits for Schedule 1.

Reversing Schedules:

Sch.5-(Reversing Debit for Sch 1 &6)

Sch.6-(Reversing Credit for Sch 2 &5)

Sch.5: Used for reversing Sch. 1. Sch.6: Used for reversing Sch.2. Sch.5 & 6 also function as MUTUAL REVERSING schedules

Mapped to BGL 98605

Non-Customer Related Transaction:

Originating Responding Remarks Mapped to BGL

Sch.3- (Originating Credit)

Sch.4- (Responding Debit for Sch 3)

Sch.3: Used for Credits other than to Customer Accounts, including DDP Cheques & Bills Realised, Annual Transfer of Balance in various accounts, Transfer Pricing entries, Transfer of Profit, etc. Sch.4: Responding non-customer Debits for Sch 3.

Mapped to BGL 98611

Sch.7- Originating Debit

Sch.8-Responding Credit for Sch. 7

Sch.7: All Originating Debits (customer related & non-customer related) are to be put through this schedule only. Sch.8: Responding to Schedule 7 Credits

Mapped to BGL 98611

Reversing Schedules:

Sch.10- (Reversing Debit for Sch. 3, 8 & 9)

Sch.9- (Reversing Credit for Sch. 4, 7 & 10)

Sch.9: Reversal of debits in Schedule 4 & 7. Sch.10: Reversal of credits in Schedule 3 & 8. Sch 10 & 9 also function as MUTUAL REVERSING schedules

Mapped to BGL 98611

201

09 Precautions to be taken by the user in the changed process.

a. The User has to enter correct BGL account numbers for transactions in DTL or Non-DTL schedules as the case may be.

If the user has selected wrong BGL account number, the following error message will be displayed -

“7306: SELECTED SCHEDULE AND DTL/NON-DTL BCG ACCOUNT DO NOT MATCH”.

b. The responsibility to choose the appropriate Originating schedule, depending on the nature (customer/ Non-customer) of the entry lies with the USER at the branch.

c. All ORIGINATING DEBITS are to be routed through Schedule 7 of BCGA only. This would include customer related debits like transfer of loan a/c of employees, TT Purchases by Banks, Clearing transactions, Annual Transfer of Balances, Annual Closing Entries, etc.

d. Schedule 9 and 10: While using the reversing schedules 9 or 10, the other schedule should not be 10 or 9 respectively. The other Schedule number should be either 3,4,7 or 8.

While using the reversing schedule 5 or 6 the other schedule should not be 6 or 5 respectively. The other Schedule Number should be either 1 or 2.

e. The USER has to respond the Branch Clearing Schedules as per their Originating Schedules.

10 In CBS, Other critical changes to meet the changed requirements of Treasury has been in the areas of IBIT account, STEPS account, RTGS, LOCL etc. where the accounts have been segregated into DTL / Non DTL balances at the levels of CGL and Weekly.

(Courtesy : News@Core Issue 23)

mailto:News@Core

202

Annexure - 1 CASH MANAGEMENT PRODUCT:

CARE: Ensure that the CMP Collection Branch (Yes/No) is made YES. Without this change made by BOG Team in CDC, CMP extract cannot be done and the branch has to do the data entry in CBS and then in CMP PC.

Follow the instructions given by CMP Centre for necessary changes in CMP PC to suit CBS requirements. If these are not carried out properly, CBS extract cannot be uploaded in CMP PC.

The following accounts have been opened in each branch for CMP transactions

98577 CMP COLLECTION (BRANCH) SUSP AC

98578 CMP BALANCE TRANSFER AC

98579 CMP LATE RETURN & OTHER DEBITS AC

The following account has been opened in CMP Centre branch (04266) in Core for CMP transactions

99620042666 CMP CORE COLLECTION AC Name of the Account Purpose

CMP Balance Transfer Account

For transferring debit balances only in respect of customers whose debit balances are to be swept to CMP

CMP Late return & Other Debits Account

For handling clearing cheques which are returned beyond the stipulated return discipline & any other debits

On branch transfer transactions and credit balance transfer transactions will be put through CMP Collection (Branch) Suspense account (98577bbbbbc,

where bbbbb is 5 digit branch code and c is check digit) in B@ncs-24 manually and the details will be entered in CMP PC.

On branch Transfer Transactions

Debit Customer Credit CMP Collection (Branch) Suspense a/c

Transfer of Credit balance from the Customer a/c

Same as above. Instead of individual transactions, the credit balance at the CMP cut-off time will be transferred to CMP Collection (Branch) Suspense a/c (98577)

Transfer of Debit balance from customer account

Debit CMP Balance Transfer a/c Credit Customer Instead of individual transactions, the debit balance at the CMP cut-off time will be transferred to CMP Balance Transfer a/c (98578)

Late Returns and other debit transactions will be debited to 98579 CMP LATE RETURN & OTHER DEBITS AC

203

Sweep - One Time Activity on the First Day of going Live under CBS Without Fail Before CMP Transactions are Put Through:

Sweep transactions have to be fixed for transferring the balances in CMP related branch accounts to CMP Core Collection account. This will be executed during SOD. There will be no STEPS messages, as it was happening under BankMaster. If Sweep transactions are not fixed, the balances will not be accounted for in CMP Centre and will lead to reconciliation problem. Totally 4 (Four) sweep transactions are to be fixed and ensure that correct account numbers are input as given in the table below.

Account No 98577bbbbbc 98577bbbbbc 98578bbbbbc 98579bbbbbc

Sweep Type Push Pull Pull Pull

Saving Plus No No No No

Second Account

99620042666 99620042666 99620042666 99620042666

Second Acct System

GEN: General Ledger

GEN: General Ledger

GEN: General Ledger

GEN: General Ledger Start Date *** *** *** ***

End Date

Cycle Daily Daily Daily Daily

Threshold Balance

0 0 0 0

Resultant Balance

0 0 0 0

Max Accum Sweep

0 0 0 0

Curr Accum Sweep

0 0 0 0

Sweep Multiple

0.01 0.01 0.01 0.01

Priority 1 1 1 1

Balance Type 1: Cleared Funds

1: Cleared Funds

1: Cleared Funds

1: Cleared Funds

***Start Date shall be the 2nd day of going live under CBS.

Example: If date of migration is 20.02.2005 and First day of live is 21.02.2005, then the Start Day will be 22.02.2005 irrespective whether 22.02.2005 is a holiday for the branch or not.

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Annexure – 2

Accounting entries of CMP DDP Collections BGLs - 98531 / 98532:

During presentations purchase of instruments): For Cheques drawn on both SBI & Non-SBI branches

Debit DDP Liability A/c (Ref. No.) Credit CMP DDP-CR Collection A/C

During Mark off: In the Case of Paid instruments

For SBI instruments Debit Branch Clearing General A/c (Schedule 4) Destination Branch (Ref No) Credit DDP Liability a/c (Ref No.)

For NON_SBI instruments Debit Parking Suspense a/c (Realised) (Ref No) Debit CMP DDP-DR Collection A/C $$ Credit DDP Liability A/c (Ref No)

In case of instruments Returned unpaid

For SBI Instruments Debit CMP DDP-DR Coll. A/C (Full DDP Amt) Debit CMP DDP-DR Coll. A/C (Interest Amt) Credit DDP Liability a/c (Ref No) Credit Interest a/c at the branch For Non-SBI instruments Debit CMP DDP-DR Coll. A/C (Full DDP Amount) Debit CMP DDP-DR Coll. A/C $$ Debit CMP DDP-DR Coll. A/C (Interest amount) Credit DDP Liability A/C (Full amount) Credit P&T/Charges at the branch Credit Interest a/c Interest amount)

Ref. No. - Unique ID generated from the DDP module

$$ Collecting Banker's Charges recovered by other banks to be recovered from the customer's a/c in Pooling branches

* * 'P&T Charges A/C ' and ' Interest A/C ' of the branch concerned.

** 'Parking Suspense A/c' can be the branch System Suspense A/c (Others)

The balance in these accounts will be swept to 99620042666 (CMP Core Collection a/c) during SOD of the next day. These sweep transactions will be fixed by CMP branches on the first day of going live under CBS.

Documents

01.08-BGL