63858539-Finacle

Looking Beyond the Obvious!Looking Beyond the Obvious!Looking Beyond the Obvious!Looking Beyond the Obvious!

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Banking TechnologyBanking TechnologyBanking TechnologyBanking Technology

Looking ……………Beyond the ObviouLooking ……………Beyond the ObviouLooking ……………Beyond the ObviouLooking ……………Beyond the Obvious!s!s!s!

Certificate in Banking Technology


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1 INTRODUCTION 1 Finacle in Brief

2 Features 3 Why Finacle? 4 Security in Finacle 5 Maintenance of Password 6 Structure of Finacle

2 FINACLE TERMS & KEYS 1 Important Function Keys

2 Commonly Used Menu Options

3 CUSTOMER MASTER 1 Creation of Customer ID

2 Verification of Customer ID

4 ACCOUNT OPENING: SB, CA 1 Account Opening of SB, CA

2 Verification of Account Opening

5 TRANSACTION MAINTENANCE 1 Types of Transactions

2 Methods of Transactions 3 Posting of Transactions though TM 4 Verification of Transactions

6 INVENTORY MAINTENANCE 1 Inventory Location Codes

2 Inventory Movement Authorisation 3 Inventory Movement Between Locations 4 Verification of Inventory Movement Between Locations 5 Inventory Split 6 Inventory Merge

7 ISSUE OF CHEQUE BOOK 1 Issuing Cheque Books to Account-Holders

2 Verification of Issued Cheque Books to Account-Holders 3 Inquiry of Cheque Books in Account

8 STOP PAYMENT OF CHEQUE 1 Stop Payment of Cheque

2 Verification of Stop Payment of Cheque 3 Revoking Stop Payment of Cheque 4 Verification of Revoking Stop Payment of Cheque

9 ACCOUNT LIEN MAINTENANCE 1 Account Lien Set-up

2 Verification of Account Lien Set-up 3 Removal of Account Lien 4 Verification of Removal of Account Lien

INDEX



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10 ACCOUNT FREEZE MAINTENANCE 1 Account Freeze Set-up

2 Verification of Account Freeze Set-up 3 Removal of Account Freeze 4 Verification of Removal of Account Freeze

11 TOD MAINTENANCE 1 Types of TOD

2 TOD Set-up in Account 3 Verification of TOD Set-up in Account

12 CLEARING 1 Processing of Outward Clearing

2 Other Important Menu regarding Outward Clearing 3 Processing of Inward Clearing 4 Process of Inward Reject Cheque 5 Process of Outward Reject Cheque

13 ISSUE OF DD / PAYORDER 1 Issuing Single DD or PO

2 Issuing Multiple DD or PO 3 Verification of Multiple DD or PO Issued 4 Printing Single DD / PO 5 Printing Mass DD / PO 6 Cancellation of DD / PO 7 Verification of Cancellation of DD / PO 8 Marking DD / PO as Lost 9 Revert the Marking DD / PO as Lost

14 BILLS MAINTENANCE 1 Bills Maintenance – OCC: Lodgment of Cheque

2 Bills Maintenance – OCC: Realisation of Cheque 3 Bills Maintenance – OCC: Dishonor of Cheque 4 Verification of Bills Maintenance – OCC

15 ACCOUNT OPENING – TERM DEPOSIT 1 Account Opening of Term Deposit

2 Verification of Account Opening of Term Deposit

16 STANDING INSTRUCTIONS 1 Standing Instruction Set-up

2 Verification of Standing Instruction

17 LIMIT NODE MAINTENANCE 1 Limit Node Concept

2 Flow-Chart of Limit Node Maintenance 3 Limit Node Maintenance Set-up 4 Verification of Limit Node Maintenance Set-up 5 Limit Tree Lookup



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18 ACCOUNT OPENING – CASH CREDIT 1 Account Opening of Cash Credit

2 Verification of Account Opening of Cash Credit

19 SECURITY REGISTER MAINTENANCE 1 Concept and Functions of Security Register Maintenance

2 Flow-Chart of Security Register Maintenance 3 Set-up of Security Register Maintenance 4 Verification of Set-up of Security Register Maintenance

20 ACCOUNT OPENING – LOANS 1 Account Opening of Loan

2 Verification of Account Opening of Loan

21 BANK GUARANTEE 1 Classification of Bank Guarantees

2 Various Types of Registers in Finacle 3 LNM Set-up for Bank Guarantee 4 Verification LNM Set-up for Bank Guarantee 5 Issuing Bank Guarantee Set-up 6 Reversing Bank Guarantee 7 Invocation Bank Guarantee 8 Verification of Various Set-up of Bank Guarantee

22 CLOSURE OF SB/ CURRENT ACCOUNT 1 Different Steps: Before Closure of SB / Current Account

2 Closure of an Account 3 Verification of Closure of Account

23 CLOSURE OF TERM DEPOSIT ACCOUNT 1 Closure of Term Deposit Account

2 Verification of Closure of Term Deposit Account

24 ANNEXURE 1 Menu Options in Finacle Version 7



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Finacle in brief

A Financial Package, for Banking Solution developed by Infosys on a platform of Oracle, hence it

is called as FINACLE. Presently, many Indian Banks are having this software as banking solution

and it is highly flexible.

Prior to 1995 it was known as BANC 2000, a Total Branch Automation package with a distributed

network. After 1995 Infosys developed the same as FINACLE, a Core Banking Solution.

Features:

� Finacle is a Relational Database Management Software (RDBMS) of Oracle9i. � It involves C and C++ programming language. � This software runs on UNIX Operating System (OS) as this is widely used platform across

the CBS environment. � Finacle is accessed through Browser Based Universal Client i.e. Internet Explorer. � SQL & PL SQL uses for generating MIS or Reports or Queries at Centralized Level. � Finacle facilitates anywhere banking � As this is menu driven software, it is very much easy for navigation. � Customization and parameterization are two special features of Finacle. � Finacle provides multi-lingual support � Finacle provides multi-level security i.e. operation, database and application level security

Why Finacle?

� Best Business Practices � Customer driven thinking � Convenience Banking � Integrated Delivery Channel support through Connect 24 � Functionally Rich and Flexible � High Level Security control and audit capabilities � Relationship Banking � Workflow

MENU DRIVEN PACKAGE FACILITATES

Executable (Write access)

Inqui ry (Read-only)

Printing

-Add Data -Modify Records -Delete Records

Verification Mandatory

Browse data within limited menu option

given to him.

Printing Information -PSP – for Customer A/c -ACLP – printout is chargeable. Waiver would mean loss to Bank -ACLPCA- Account Ledger Print Customer A/c - ACLPOA - Account Ledger Print Office A/c

Introduction



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Any change in default parameter is exception.

Security in Finacle:

� Multiple levels of security � OS Level

� No access to OS � OS and application level profile � Direct login to application menu

� Database level � Protection from external updating

� Application level � Menu level � User level � Product level � Account level � Transaction level

� Dual control for all transactions � Maker-Checker Concept

� Controlled error handling through exceptions (1) Warning (2) Exception (3) Error

Maintenance of Password:

� User can change password through the Menu Option PWMNT � Password length is minimum 6 characters and maximum 14 characters � Password can contain alphabets, numbers and special characters � While changing password, at least first 5 characters of old password are to be changed � There is no history of previous password. � Password to be compulsorily changed after 30 days. System prompts you to change the

password from 27th day. � Inserting wrong password 3 times, the User Profile gets deleted � User ID & Password are not case-sensitive and User can login from any terminal

throughout the bank. � Never Share Your Password



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Structure of Finacle in IDBI:

� Customer Master (CUMM): HCUMM under ONS � Detail portfolio of every New Customer � Details like name, address, date of birth, introducer, TDS, financial details, identity

proof etc. � Details for MIS purposes � Customer ID is generated by system and it is a 9 Digit number. � Customer ID is universal and not Branch specific. It is generated across the bank

in a senrial order with zero padding in the beginning. � Customer ID is basic need for opening of every type of account

� Account Master (OAAC): What does it contain?

� After creation of CID account opening procedure can be initiated. � The Scheme Code needs to be provided � Details of mode of operation and other general details, scheme details, nomination

details, joint account details etc. � System generates the account number which is a 15-digit number. � Suppose an account number reads 183104000002382, the structure could be

classified as under: 183|10400|000238|2

3 Digits: 183 is SOL (Service Out Let) ID 5 Digits: 10400 is GL Sub-head 6 Digits: Serial Number 1 Digit: Check Digit

� Check Digit is a randomly generated number by system to avoid transposition

errors.

� Account Ledger (ACLI): ACLI is a menu option which has the following advantage: � System created and holds dynamic data � It contains history of all transactions of every account � All the details of transactions like debit, credit and balance

� Transaction: How do we make transaction in Finacle ?

� Transactions entered by users and posted in the leger � There are certain transactions which are system generated.

� General Ledger:

The General Ledger has a three Tier structure viz - GL --GL Sub Head -- Account � Consolidation of transaction information at Branch level / GL Sub Head - currency

wise � No Hard coding and no conditions for defining GL or GL Sub Head � GL information at any level I.e. branch level or cluster (Set) level � Used for Non customer accounts � GL report can be generated for any day � All office accounts are same across all the branches except for variation in SOL Id



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Office Accounts Numbering System: These are the 16 digits: First 4digits represent the SOLID The next 5 digits represent the GL Sub head code The next 4 digits represent the basic number of the office account The last 3 digits represent the segment code.



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After logging in to the Finacle Core following scre en Appears

1) Menu Block: In this block user will find various menus of Finacle Core like customer menu, accounts menu etc.

2) Menu Option Block: User has to type the required menu and execute the same

from this block.

3) Action Bar: User can execute the process of Finacle Operations by clicking on various options on this bar. The Hot-Keys are also assigned for all options, which appear on the bar.

4) Message Bar: At the time of processing of operations some messages of

warnings, exceptions or errors appear on this bar.

5) Favorites: You can put (paste) your regularly required menu under favorites by copying from Menu Block.

6) Progress Indicator: It shows the progress of the action initiated.

Menu Option Block

Menu Block Message Bar Action Bar

Favorites (User Defined)

Progress Indicator

Finacle Terms & Keys



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Important Function Keys Physical Key What does it do? F1 Field level help. Like in several word processors and spreadsheet

packages, F1 displays context sensitive help messages and field level help messages.

F2 List. This key lists the codes that may be used in a particular field. F3 Quit/ Back. Quits and takes the user back to where he started when

in action. It can be used when the input is incorrect and the user wants to abandon what he has been doing. It can also be used to go back to the previous menu.

F4 Accept. After the user has completed the input, this key can be used to accept the data.

F5 Background Menu F6 Next Block F8 Copy Record F9 Display Signature F10 Commit/ Save. This is very important key and this concludes the

transactions. This is the commit and transactions get into the General Ledger (database) when this key is used.

F11 Next field F12 Previous Block TAB Go to next valid field ENTER Go to the next field CTRL+↓↓↓↓ Next record CTRL+↑↑↑↑ Previous record CTRL+←←←← Scroll left CTRL+→→→→ Scroll right CTRL+F1 Help maintenance CTRL+F3 Show key map CTRL+F4 Display error CTRL+F8 Terminal lock CTRL+F9 Memo pad look up CTRL+F11 Context level help CTRL+D Page down on a list CTRL+E Explode. This key is particularly useful for the further inquiry . CTRL+F Clear field. This key combination can be used when the user wants to

clear the field. CTRL+J Display cookie field CTRL+K Clear a set of field CTRL+T Display LGI. The user ID, Terminal ID, SOL, BOD Date and language

details are displayed. CTRL+U Page up on a list CTRL+X Put BOD date. This key combination populates the default BOD date

in the field. SHIFT+F1 Function key help SHIFT+F4 Select the current item from the list. This key combination can be

used to select a value from the list of valid values listed for a particular field.

SHIFT+F11 Transmit SHIFT+TAB Go to the previous field



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Commonly Used Menu Option: Menu Option Description

CUSTOMER MASTER RELATED

CUMM To Add, Copy, Suspend, Inquire, List, Modify, Unsuspended, Verify and Cancel a Customer Master.

CUMI Inquiry on customer record CUS Inquiry on Customers based on selected criterion/ criteria CUIR Interest Certificate for customers CUMP Customer Master Print CUSTBALP Balances for different accounts of a customer

ACCOUNT OPENING / MAINTENANCE

OAAC For opening SB/CA/TD/Cash Credit/Loan/OD accounts OAACAU To verify account opened under OAAC ACM To Modify/Inquire the Account ACLI Account ledger inquiry ACCBAL Account balances ACS Account Selection Criteria INTTM For changing the interest rate ACINT For running interest calculations AITINQ Inquiry on interest in accounts TDSCALC For calculating the TDS ACMP Master print for accounts PSP Printing statement of accounts

TRANSACTION MAINTENANCE

TM Putting through transactions TI Inquiry on specified transactions FTI Inquiries for financial transactions TEI Inquiry on exceptions in transactions

INVENTORY MAINTENANCE IMAUM Maintain authorized users for inventory IMC Inventory movement between locations IMI Inquiry on inventory ISI Inventory split merge and inquiry for inventory held by self ISIA Inventory split, merge and inquiry for inventory held by others

CHEQUE BOOK & STOP PAYMENT RELATED

ICHB Issue of cheque books to customer accounts ICHBAU Verification of cheque books issued to customers CHBM Inquiries relating to cheque book maintenance SPP To input stop payments SPPAU To authorize stop payments INQACHQ Inquire on the basis of cheque number

LIEN & FREEZE AFSM For freezing/ unfreezing the accounts ALM Account Lien (mark / unmark) Maintenance

ACCOUNT TOD MAINTENANCE ACTODM For granting TOD



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Menu Option Description ACTODMAU For verification of TOD Set-up ACTODI Inquiry on TOD in accounts

DEMAND DRAFT / PAYORDER

DDPRNT Printing DD/ PO DDLOST Marking lost DD/ PO DDREVERT Unmarking Lost DD/PO DDMI Mass issue of DD/PO DDSM Status of the DD/ PO DDII Inquiry on specific DD issued DDIC Inquiry on credits to DD account DDIP Inquiry on specific DD paid DDID Inquiry on debits to DD account DDPALL Mass DD Printing DDC DD Cancellation

CLEARING

MCLZOH Opening/ regularization/ suspension of outward clearing zone OCTM Outward clearing transactions ICTM Inward clearing transactions OIQ Outward clearing transaction inquiry OPQ Inquiry on outward clearing Part -Tran MARKPEND For marking pending instruments from being regulerised REVPEND For revoking MARKPEND MICZ Opening/ suspension/ validation/ closing of inward clearing zone

BILLS

BM Lodging/ verifying/ realizing Bills BI Inquiry on Bills BRBPR Balancing Report - Bills Purchased BRCR Balancing Report - Collection BCSI Bills/Cheques Covering Schedule - Inter Br BCSO Bills/Cheques Covering Schedule - Inter Branch

STANDING INSTRUCTION SIM Setting up standing instruction SIE Execution of standing instructions CFLM Inquire/ delete/ carry forward standing instruction List SIETR Standing instructions execution report SIRP Standing instructions report SIADVC Standing instructions executed advice to the customer

LIMIT NODE MAINTENACE

LNM Limit Node Maintenance LTL Limit Tree Lookup LNDI Limit Node Details Inquiry

LOANS & ADVANCES

LADGEN Loan Demand Generation ACLHM Account Limit History Maintenance LAGI Loans General Inquiry LALIEN Loans Lien Process LAMOD Loan Account Modeling



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Menu Option Description LAMP Loan Account Master Print LAOPI Loans Overdue Position Inquiry LADSP Loan Demand Satisfaction Process LARSH Loan Repayment Schedule Report MAPD Marking Accounts as Past Due MEAC Modify Effective Asset Classification PAYOFF Loan Pay Off Process SRM Security Register Maintenance AINTRPT Interest Report for Accounts

BANK GUARANTEES GMM Issuance of Bank Guarantee GI Guarantee Inquiry BGPRINT Bank Guarantee Printing

ACCOUNT CLOSURE

CAAC Closure of accounts CAACAU Verification of closed accounts CACC Account Closure Charges

TDS RELATED

TDSIP TDS Inquiry / Print TDSREP TDS reports RMTDS TDS Remittance Capture

PASSWORD RELATED

PWMNT Changing Password



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For Creating Profile of New Customer: Menu Option CUMM

� Go to Menu option and enter option CUMM � Function: A (Add)

� Fill in all details of above first screen and Press F6. Ensure in CBOP the short name should contain the first 10 letters of the customers’ name. Ex: For Gurvinder Singh Karbhanda, the short name shall read “GURVINDERS”.

� Fill in Communication or Permanent Address of above second screen and Press F6 � The Next page appears, which contains Employer Address. If applicable fill in the same

properly and Press F6

CUSTOMER MASTER



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� Input details of Community, Caste, Health Code, Tax Slab and PAN details etc. and Press F6

� Input the financial details, customer net worth if applicable and Press F6



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� Input the details and Press F6

� Enter Free Text. This relates to particulars which the user wishes to input � The General details of Customer Master are now completed at this stage. Press F6 and

Press F4 for accepting the General Details � Type ‘E’ in the OPTION block for entering Currency Details and press F4. Following

screen will appear:



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� Type INR and explode. The following screen appears:

� Press F4 twice � In case the customer is neither Minor nor NRE nor Trade Finance Customer Press F10

for final commit, else proceed to enter the details as under:

� If customer is a minor ENTER OPTION-- M and Press F4. Following screen will appear:



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� Input the Minor Details and Press F4: � If the customer is a Trade Finance Customer ENTER T in the option block and Press

F4. Following screen appears:

� Input the details of Trade Finance Customer and Press F4 � If the customer is an NRI Customer ENTER N in the option block and Press F4.

� Input the appropriate details and press F4 to accept.

� Press F10 to finally Commit

� Customer ID will be generated and displayed on the screen as below:

� Note down customer ID on the Account Opening Form and send the form for

verification:



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For Verification of Customer ID Menu Option CUMM

� Go to Menu option and enter option CUMM � Function: V (Verify) � Then input generated Customer ID to be verified. � Press F4. � Press F6 and visit all the screens and verify General Details with the AOF. � On returning to the first page, press F4 � Go to option E – Press F4 – Explode – Press F4 twice to verify the Currency

Details. � For Minor customers go to M option to verify the Minor Details. � For NRI customers go to N option to verify NRI Details. � For Trade finance customers go to T option to verify theTrade Finance Details. � Press F10 to commit. � The customer record stands verified.

Other Functions:

Purpose Menu Option Function For Modification in CID CUMM M For Cancel Created CID (Only possible before verification)

CUMM X

For Copying details of an existing Cust. ID

CUMM C

For Suspension of CID CUMM D For Revoking Suspension CUMM U

� For every addition or modification of a Customer Master, verification is necessary.



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For any Type of Customer Account Opening Menu Option OAAC

� This illustration is for opening of Saving Bank Account � Go to Menu option and enter option OAAC

� Enter Customer ID & Press F11 for confirming Customer’s Name � Enter appropriate Scheme Code & GL Sub-head Code Press F4 � For every account opening the General & Scheme Details are mandatory

� The above 1st Screen of General Details will appear then enter the details like mode of operation, location code etc.

� Press F6 for next screen

Account Opening: SB, CA



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� The above 2nd Screen of General Details will appear then enter the details like statement,

frequency, interest credit a/c flag etc. Press F6 for next screen

� The above 3rd Screen of General Details will appear. Now enter the details and Press F6.

Then 1st Screen will appear again. Press F4 for accepting the General Details

� Enter S in the Enter Option field and Press F4 to go in the Scheme Details – Then following screen will appear



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� Input the details required in the fields and Press F4 for accepting Scheme Details.

� Press F10 for final commits.

� After pressing F10 the 15 Digits account number will be generated by the system

� If the customer has nominated any body, at the time of account opening, keep the

Nomination Flag ‘Y’ under Scheme Details and fill in the nomination details through

option ‘N’.

� In case of a Joint Account add the Joint Account Holders through option ‘A’ i.e.

Additional Party Details. The Customer IDs are necessary for all the Joint Account

Holders.

� Now we will see Nomination Details as well as Additional Party Details in next

illustrations.

� If you have entered Y in the field “Availing Nomination facility” then go to option ‘N’.

The following screen will appear:



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� Input details and Press F4 for accepting Nomination Details. � If there are Joint Account Holders - Go to option ‘A’ and Press F4

� In the option ‘A’ the details of the main a/c holder will appear, for adding joint a/c holders -

Press DOWN ARROW KEY.

� Press DOWN ARROW keys to add more joint a/c holders and continue as explained above.

� Then Press F4 for accepting Additional Party Details

� Other than General and Scheme Details for every additional detail you have to accept those details with F4 and then Press F10 for final commit.

� Note down the system generated account number for further verification

For Verification of Account Opening Menu Option OAACAU � Function: V (Verify) � Input Generated A/c No. in Temporary A/c No. Field and Press F4 � For visiting all screens of General Details Press F11 continuously � After coming on 1st Screen Press F4 for accepting General Details � Enter option ‘S’ and press F4 of verifying Scheme Details � Verify details and Press F4. � If the nomination has been given then - enter option ‘N’ and press F4.



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� Verify the details and Press F4. � If account is Joint - Enter option ‘A’ and Press F4. � Verify the details and press F4. � Press F10 to commit. The a/c no will be displayed. � The account stands verified.

IMP:

Add Verify Inquiry Modify Verify CUSTOMER MASTER CUMM CUMM CUMM CUMM CUMM Function A V I M V Screens to be filled G, E Minor M NRI N Trade Finance Customer

T

ACCOUNT MASTER OAAC OAACAU ACM ACM ACM Function O V I M V Screens to be filled G, S Nomination N Joint Account A



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In day-to-day banking operation various customers are making transactions in their accounts. These transactions are either debit transactions or credit transactions. Customer makes these transactions by the way of depositing cash, withdrawing the cash or issue the transfer from one account to another account of himself or another customer. Finacle is having the layer for different types of transactions.

� In Finacle there are Financial and Non-financial Transactions

� Financial transaction means the transactions made by the way of cash, transfer or clearing.

� A Non-financial transaction means every operation or process other than financial transaction.

� There are three types of transactions in banking operations.

Transaction Type Sub-type Description Cash C NR Normal Receipt

C NP Normal Payment C CT Cash Transfer

Transfer T CI Customer Induced T BI Bank Induced

Clearing L O Outward Clearing L I Inward Clearing

� Two types of Transaction ID

� User Created: DC number is generated by system. All transactions made by teller/ cashier are user created transactions. The cash or transfer transactions are mostly user created transactions.

� System Generated: SDC number is generated by system. These types of transactions are system-generated transactions. Clearing transactions, various charges, commission, interest application, standing instructions etc. are some examples of system-generated transactions.

� Status of Transaction

(1) Entered (2) Posted (3) Verified (4) Deleted

� Methods:

Maker Checker Status of Transaction Method I Enter Post Verified Method II Enter & Post Verify Verified

*The two persons must be involved in every transaction i.e. Maker & Checker

Transaction Maintenance



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For Adding Transaction Menu Option TM

� Go to Menu Option and Enter TM. � Function: A (Add) then Type/Sub-type. Press F4 � Enter A/c No., Amount, Description etc and Press F4

At this stage, just omit the transaction and a Tran id is generated which starts with M. Example of a Tran id is = M32

� Enter ‘P’ in the specify option field � Press F4 to post credit part of the transaction. � Press DOWN ARROW key to go to the next part of the transaction.

� Enter ‘P’ in the specify option field � Press F4 to post debit part of the transaction.



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� Press F10 for commit.

� Note down the transaction ID on voucher (Which will be shown as in the above screen, here it is DC36)

For Verification: If Transaction is in Entered Stag e Menu Option TM

� Go to Menu Option and Enter TM � Function: M (Modify) & Press F4 � Enter generated DC No. & Press F4 � Enter P in the field Specify Option & Press F4 for 1st Part-Tran � Press DOWN ARROW key to go the next Part-Tran of and enter ‘P’ in the Specify Option

and press F4 and F10 to commit the verification. � The transaction stands verified and the Status is verified

For Verification: If Transaction is in Posted Stage Menu Option TM

� Go to Menu Option and Enter TM � Function: V (Verify) & Press F4 � Enter generated DC No. & Press F4 � Enter V in the field Specify Option & Press F4 for 1st Part-Tran � Press DOWN ARROW key to go the next Part-Tran of and enter ‘V’ in the Specify Option

and press F4 and F10 to commit the verification. � The transaction stands verified and the Status is verified



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Flow of Transaction Process in Brief:

Cash Transaction (Receipt) Cash Transaction (Payment) TM Function: A--- F4 Type/Subtype: C / NR --- F4 Enter A/c No.: ---- F4 Enter Amount: ---- [In case of cash receipt transaction system takes ‘C’ Credit Flag in 1st Part-Tran by default] Enter Description: ----- F4 Specify Option: P ---- Down Arrow In 2nd Part-Tran Again in Specify Option: P F10

TM Function: A--- F4 Type/Subtype: C / NP --- F4 Enter A/c No.: ---- F4 Enter Amount: ---- [In case of cash receipt transaction system takes ‘D’ Credit Flag in 1st Part-Tran by default] Enter Description: ----- F4 Enter Instrument Type: ------ (If Cheque) Enter Instrument No: ----- Instrument Date: ------ F4 Specify Option: P ---- Down Arrow In 2nd Part-Tran Again in Specify Option: P F10

*In case of Cash Transaction 2nd Part-Tran of Transaction is auto-generated. You can post multiple Dr/ Cr transaction in single segment through TM

Transfer Transaction TM Function: A--- F4 Type/Subtype: T / CI or BI --- F4 Enter A/c No.: ---- F4 Enter Amount: ---- Enter Description: ----- Enter Type of Transaction: D or C [Debit or Credit] [If Debit Enter Instrument Type/ Number / Date etc.] Press F4 Specify Option: E ---- F4

After Pressing F4 2nd Part-Tran will be generated—Then: Enter A/c No.: ---- F4 Enter Amount: ---- Enter Description: ----- Enter Type of Transaction: D or C [Debit or Credit] [If Debit Enter Instrument Type/ Number / Date etc.] Press F4 Specify Option: P---F4 Up Arrow 1st Part-Tran Specify Option: P --- F4 F10

In case of Transfer transaction we have to create new Part-Tran as per above flow. You can post multiple Dr/ Cr transaction in single segment through TM.



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The concept of Inventory in Finacle mean handing of Security Items like Cheque Books, Demand Drafts, Pay orders, Traveler’s Cheques etc. The Inventory Module is especially used for storage, transfer of Security Items and release of security items to Front Office personnel for normal Banking. There are various types of inventory locations as per below:

Location Code Description In Brief ZZ – EXT External to the System Inventory receive by the branch from

Head / Administrative Office i.e. from external location

DL - DL Double Lock It keeps in double custody of two supervisors of branch

EM- User ID Employee Code Supervisors allot or distribute the inventories to the front desk tellers for issuing to the account holders

Let us see the process or flow of the inventory.

For Inventory Movement Authorisation Menu Option IMAUM

The following screen appears:

� Select function A to add two authorised User Id’s for transfer of Inventory from External Location to Branch’s Double Lock. The custodian and the supervisory official will put their respective user ID’s.

For Inventory Movement Between Locations Menu Option IMC

This menu option IMC is used for movement of inventory between different locations:

� From ZZ-EXT to DL-DL � From DL-DL to EM- USER ID

Inventory Maintenance



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� The menu option for transfer of Inventory from one location to another (from External to branch’s Double Lock and from Double Lock to Employees) is done through Option IMC. The screen is as under:

� Function A for transfer of Inventory from ZZ (External) to DL (Double Lock)

� Verification is required for above step (the screen shot and process on next page)

� Then Function A for transfer of Inventory from DL to Employees based on everyday

requirements.

� Verification is required for above step (the screen shot and process on next page)

� The steps involved for the same are as under:

� F2 help available for first two columns leave 3rd column blank and enter the Serial No. From *** to ----keep blank then put total quantity & press down arrow end Sr. No. automatically generated by system & Press F10 to commit.

� The Inventory Transaction number will be generated. Note down the number for

further verification.

For Verificat ion of Inventory Movement Between Locations Menu Option IMC

� Go to the menu option IMC and enter. � Function: V (Verify) and Enter Inventory Transaction Number & Press F4. � The Details of inventory movement will appear. Again Press F4 for accepts the same. The

following screen will appear.



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� After populating above screen two Auth. Users are to be entered their password in given

block in case of ZZ-EXT to DL-DL movement. And in case of DL-DL to EM-USER ID, two supervisors as well as the Employee to whom the inventory is allotted has to enter the password

For Inventory Split Menu Option ISI

� Function: S (Split) Press F4 then Select Employee Code from Location Class / Code � Select Inventory Class / Type & Press F4. � Various ranges of inventory are appeared on screen. Choose appropriate range, which

you want to split by Shift + F4. Then following screen will appear



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� Enter Start serial no. of the inventory in Start Serial No. Field

� Enter Items Per Units required in one book in Items Per Unit Field.

� Enter No. of Units in which total inventory is to be divided, in No. of Units Field. � Press F10 to commit and you will get the message ‘Records Split Successful’.

For Inventory Merge Menu Option ISI

� Function: M (Merge) & Press F4 � Input the Location Class / Code, Inventory Class / Type

� Then input the Start Serial No., which do you want to merge and the quantity you want the

system to merge.

� Then press F4 to get the details of merger, then Press F10.

IMP: The Employee himself can do Splitting as well as Merging of Inventory. No needs of verification for split and merge option.



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For Issuing Cheque Books to Account -Holders Menu Option ICHB

� Go to the menu option ICHB. The following screen wi ll appear.

� Function: I (Issue) & Press F4 � Enter Account No. Press F4

� Select Cheque Type i.e. CA Cheques, SB Cheques etc. & Press F4

� Following screen will appear

� Scroll down to the appropriate cheque book by using Down Arrow Key ↓↓↓↓

Issue of Cheque Book



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� Select the cheque book by using SHIFT + F4 then Pre ss F10 for commit

� Go to the menu option ICHBAU. The following screen will appear.

� Function: V (Verify) & Press F4 � Enter Account No. Press F4

� The details of the cheque books issued to this acco unt will be shown. � Verify the details. Press F4 twice and then Press F 10.

� The cheque book issue stands verified.

For Verification - Issued Cheque Books to Account -Holders

Menu Option ICHBAU



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For Inquiry of Cheque Books in Account Menu Option CHBM

� Go to the menu option CHBM. The following screen wi ll appear. � Function: I (Inquire) & Press F4. Then Enter Accoun t No. Press F4

� For Viewing further status of each cheque of partic ular series Press Ctrl+ E

Note: It is necessary that the inventory should be available either at the issuer’s location or at the verifier’s location, without which system will not permit cheque book issue.



36

For Stop Payment of Cheque Menu Option SPP

� Go to the menu option SPP. The following screen will appear.

� Function: S (Stop) & Press F4 then Enter Account No. Press F4 � Enter Begin Cheque No. and No. of Leaves and Press F4 � After pressing F4 the Date & Time automatically comes � Enter Payees Name, Cheque Date (if known), Cheque Amount (if known) � Select Reason Code and Press F4 for accepting General Details � In Option enter ‘C’ for collecting charges and Press F4

Stop Payment of Cheque



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� The screen shows default charges. You may change the charges if required. � For accepting charges Press F4 � Press F10 for commit � Stop payment is registered.

For Verification of Stop Payment of Cheque Menu Option SPPAU

� Go to the menu option SPPAU. The following screen will appear.

� Function: V (Verify) & Press F4 then Enter Account No. Press F4 � Enter Begin Cheque No. and Press F4

� Verify the General Details & Press F4 for accepting General Details � In Option enter ‘C’ for verifying charges and Press F4



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� Verify the charges and Press F4 for accepting charges and Press F10 for commit.

� After verifying SDC will be generated by system. This SDC is for Stop Payment

Charges. � Inquire the same through TM menu, whether it is posted or not. If not, post it through

TM.

� The Stop Payment instruction stands verified.

For Revoking Stop Payment of Cheque Menu Option SPP

� Go to the menu option SPP � Function: R (Revoke) & Press F4 then Enter Account No. Press F4 � Enter Begin Cheque No. and Press F4 � Stop Payment Details will appear then Press F4 for accepting the same � Now Press F10 for commit

For Verification of Revoking Stop Payment of Cheque Menu Option SPPAU

� Go to the menu option SPPAU � Function: V (Verify) then Enter Account No. Press F4 � Enter Begin Cheque No. and Press F4 � Stop Payment Details will appear then Press F4 for accepting the same � Now Press F10 for commit



39

In order to earmark funds for any reason the same needs to be blocked and not made available

for the account holder. To achieve this objective a lien for the purpose needs to be done. The

process of marking lien for an account can be done through menu option ALM.

Now we will see how to mark lien on account in Finacle:

For Account Lien Set -up Menu Option ALM

� Go to the menu option ALM and enter. Following screen will appear:

� Function: A (Add) & Press F4 � Then Enter Account No. and Press F4

� Then enter Lien Amount, expiry date of Lien and select appropriate Lien Reason Code

� Input remark, if any in Lien Remark field and Press F10 for commit

� Lien Set-up is over now.

� Go to the menu option ALM and enter.

� Function: V (Verify) & Press F4 � Then Enter Account No. and Press F4

For Verification of Account Lien Set -up Menu Option ALM

Account Lien Maintenance



40

� Details of lien will appear. Verify it and Press F10 for commit.

� Account Lien Set-up stands verified. Now, we will see the procedure of removing the lien of account in Finacle:

For Removal of Accoun t Lien Menu Option ALM

� Go to the menu option ALM and enter. Following screen will appear: � Function: M (Modify) & Press F4 � Then Enter Account No. and Press F4

� Then modify Lien Amount as ‘ZERO’

� Input remark, if any in Lien Remark field and Press F10 for commit

� Removal of Lien is over now.

For Verification of Removal of Account Lien Menu Option ALM

� Go to the menu option ALM and enter � Function: V (Verify) & Press F4 � Then Enter Account No. and Press F4

� Details of lien will appear. Verify it and Press F10 for commit.

� Removal of Account Lien stands verified.



41

Bank need to freeze the account for various purposes as per the freezing orders by different

types of authorities. Bank itself also freeze the account of customer, if he/she would be a

defaulter. In the Lien marking, we have to put the same on amount, as it is amount specific.

Hence, in case of Freeze Set-up it is event specific mean we will restrict transactions i.e. debit

only, credit only or total freezing.

Now we will see the procedure of freezing the account:

For Account Freeze Set -up Menu Option AFSM

� Go to the menu option AFSM and enter. Then following screen will appear:

� Function: F (Freeze) & Press F4 � Then Enter Customer ID No.

� Then select Freeze Reason Code & Freeze Code. Press F4.

� All accounts, which are linked to the given Customer ID would be appeared on screen.

Select account numbers by Shift + F4 one by one and Press F10 for commit

� Account Freeze Set-up is over.

Account Freeze Maintenance



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� Go to the menu option AFSM and enter. � Function: V (Verify) & Press F4 � Then Enter Customer ID No. & Press F4

� All details of freeze will appear. Now verify it and Press F10 for commit.

� Account Freeze Set-up stands verified. Now we will see the procedure of removal the freeze of account:

For Removal of Account Freeze Menu Option AFSM

� Go to the menu option AFSM and enter. Then following screen will appear:

� Function: U (Unfreeze) & Press F4 � Then Enter Customer ID No. & Press F4

� All details of freeze will appear. Now Press F10 for commit.

� Now Account stands Unfreeze.

For Verification of Removal of Account Freeze Menu Option AFSM

� Go to the menu option AFSM and enter. � Function: V (Verify) & Press F4 � Then Enter Customer ID No. & Press F4

For Verification of Account Freeze S et-up Menu Option AFSM



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� All details of freeze will appear. Now Press F10 for commits

� Now Unfreezing of Account stands verified.



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TOD means Temporary Overdraft, which is a credit decision and naturally, is normally

conscious. In contingencies Customer request to branch head for overdrawing his account for

temporary period.

As the events for TOD in the diagram shows, there can be 5 occasions for granting system

generated TOD. However only the following two system generated TODs and one User

Generated TOD are enabled in Finacle. Those are as follows:

Type Event Mode

IC Interest Calculation Single DL Drop In Limit Single UG User Generated Single / Running / Ad-hoc

Examples of Mode

Mode How Operates Single (S) Applicable for specific Purpose and of use once only

Running Allows the client to operate within the TOD Limit for the defined

period. Ad-hoc Allows those client, who is having their existing credit limit like

OD Limit or CC Limit etc. to operate within the TOD for the defined period i.e. it is temporary extension of limit.

If both Running and Ad-hoc serves the same purpose, why both are necessary? The system counts the number of TODs in an account. In case the cumulative number is higher than predefined number (which is 1 per day at present), the system displays exception. All TODs under ‘Single’ and ‘Running’ type are eligible for counting. However, Ad-hoc is not included for this purpose. Now we will see the procedure to set-up of TOD in the account:

For TOD Set -up in Account Menu Option ACTODM

� Go to the menu option ACTODM and enter. The following screen will appear:

TOD Maintenance



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� Function: M (Modify) & Press F4 � Enter Account No. and Press F4 twice

� In option field enter A (Add) the details of TOD & Press F4 the following screen will

appear:

� Enter the Grant Date. (Current Date or it can be Future Date) � Enter Advance Amount (Amount of Granted TOD) and Press F4 � Enter Expiry Date and Press F11 the Penalty Date automatically appears

� Select appropriate Advance Type (A- Ad-hoc, S-Single, R-Running)

� Select the appropriate USER ID is the field of Permitted By



46

� Enter the Remark, if any, in the field of Remark

� Then Press F4 for accepting the details

� Again we will find you on 1st screen and curser is blinking in option A then Press F10

for commit.

For Verification of TOD Set -up in Account Menu Option ACTODMAU

� Go to the menu option ACTODMAU and enter. The following screen will appear: � Function: V (Verify) & Press F4

� Enter Account No. and Press F4

� The details in single line will appear

� In option field enter I (Inquire) for inquiring the details of TOD & Press F4 the following

screen will appear:

� Verify the details of TOD from above screen and Press F10 for commit. � Then following screen will appear:



47

� After appearing above screen with exceptions accept with Pressing F4 � Now TOD set-up stands verified



48

There are two types of clearing in the Bank. 1. Outward Clearing 2. Inward Clearing First we will see the procedure of Outward Clearing � OUTWARD CLEARING In the branch, regularly customers are lodging the cheques for collection, which are sending through the outward clearing. Initially, we need to open Outward Clearing zone for lodgment of cheues. Following are some zones in outward clearing.

Clearing Zone Code Description HV High Value IB Inter-Bank MICR MICR DW Dividend Warrant NMICR Non MICR Clearing

*Note: these Codes are User Defined. For Outward Clearing activity the process is as follows:

Menu Option Function Description

MCLZOH O Open Zone

OCTM A Lodge Cheques

OCTM V Verify Lodged Cheques

MCLZOH S Suspend Zone

MCLZOH V Revoke Suspended Zone (if re-open of zone is

required

MCLZOH R Release to Shadow Balance *At this stage Outward Return Clearing process is to be done through Inward Clearing Zone.

MARKPEND Withhold the Clearing

REVPEND Revoke withheld clearing

MCLZOH G Regularise Zone

Clearing



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Now we will see Outward Clearing process step-by-step in following manner:

STEP 1: Open Zone of O/W Clearing Menu Option MCLZOH Function: O

� The above screen of Maintenance of Clearing Zone will always displays at the time of execution of MCLZOH option.

� After appearing of above screen Function: O (Open Zone) & Press F4

� In Zone field: 1st Field enter Date & 2nd Field Zone ID, in which you are going to lodge

the clearing. Press F4 and Press F10 for commit.

� Clearing Zone gets opened at this stage.

� Now you have to lodge or enter the cheques in this Zone for that you have to go through following step:

STEP 2: Adding the Cheques for lodgment Menu Option OCTM Function: A



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� Function: A (Add), enter Date & Zone Code then Press F4. Then screen will appear as

follows. � Set number will auto-generated

� Then enter Account No. Press F11

� Enter Amount and Press F6 for next block of Instrument Details

� Then enter Instrument No., Sort Code, Transaction Code, Amount and Press F10 for

commit.

� Note Set No. Reverse side of Cheque as well as on Pay-in-slip.

� Again start the lodgment of 2nd set from ‘enter Account No. Press F11’

� After completion of entire lodgment send the instruments for verification.

Note: (1) If there are multiple pay-in-slips and single instrument, so after entering amount in 1st Screen put down arrow for entering details of next pay-in-slip and so on. Then after entering last details press F6 for going to next block for entering instrument details. (2) If there are single pay-in-slip and multiple instruments, so after entering account no. and amount in 1st Screen press F6 for going in next block Then in next block enter instrument details upto amount and press down arrow for entering further details of another instruments.

STEP 3: Verification of Lodged Cheques Menu Option OCTM Function: V

� Verification of lodged cheques in O/W Clearing Zone is necessary for that � Function: V (Verify) and Enter Set ID No. Press F4. Then following screen will appear. � You have to verify each cheque individually.



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� After verifying details from cheque Press F10 for commit. � Again put next Set ID and Press F4 for verifying next instrument and so on.

� Before suspension of Zone you have to inquire for verification of entire instruments i.e.

whether all instruments are verified or otherwise? *Note: Any instrument once verified cannot be modified or deleted. For that purpose following inquiry is there:

STEP 4: Inquire on Clearing Transactions Sets Menu Option IOCLS Function: I

� Go to the menu option IOCLS and enter then the following screen will appear:



52

� Then enter Zone Date / Code in appropriate field � Enter Start Set No. & End Set No and Press F4. The following screen will appear:

� Confirm that the status of all sets should be verified then go for suspending the Zone.

Note: In 1st Screen, if you enter Verified Status as ‘N’ (NO) so in 2nd Screen only unverified instruments would appear.

� Now we will move on next step i.e. Suspend the Zone.

STEP 5: Suspend the Zone Menu Option MCLZOH Function: S

� Go to the menu option MCLZOH and enter. Then the following screen will appear:



53

� Now hereinafter the above screen will appear at every stage of MCLZOH menu option. � Function: S (Suspend Zone) then enter Zone Date and Zone Code and Press F4. � Details will appear then Press F6 two times and confirm that total number of instruments.

It should be tallied with physical instruments. Then Press F10 for commit.

� The Zone Status is changed as Suspended.

� After suspending the Zone you cannot add any instruments in this Zone. If you want so please go through following step.

STEP 6: Revoking the Suspended the Zone Menu Option MCLZOH Function: V

� Function: V (Revoke the Suspended Zone) then enter Zone Date and Zone Code and

Press F4. � Details will appear then Press F10 for commit.

� The Zone Status is changed as Open Zone. Now you are able to enter the cheques in

the opened zone through OCTM.

STEP 7: Release to Shadow Balance Menu Option MCLZOH Function: R

� Function: R (Release to Shadow Balance) then enter Zone Date and Zone Code and


� The Zone Status is changed as Release to Shadow balance.

*Note: Financial Transactions happens at this stage.

STEP 8: Mark Pending Cheques Menu Option MARKPEND Function: -----------

� Go to the menu option MARKPEND and enter. Then the following screen will appear:



54

This option is very important and useful when information of lodged cheques being late

returned / bounced in clearing are received. The system withholds transfer from unclear

balance to clear balance of those cheques, which are selected under MARPEND. Such

withholding can be done on the basis of various criteria like Zone code or Instrument no. or

Bank Code or Amount etc. The system throws up all relevant entries based on the input

criteria. The user has to choose the relevant entry and MARKPEND the item by � Pressing

Shift + F4 (after which a small * appears on the selected item) and then � Press F10 to

commit the selection.

STEP 9: Regularise the Shadow Balances Menu Option MCLZOH Function: G

� Function: G (Regularise the Shadow Balance) then enter Zone Date and Zone Code and


� *The Zone Status is changed as Partially Regularised in case of MARKPEND *Note: If there are any O/W Returned Cheques, which marked through MARKPEND option

and then you have execute above option of regularisation so Zone Status will be changed as

‘Partially Regularised’. Where MARKPEND cases have to be reversed do it through menu

option REVPEND and again regularise the zone. The status of the zone will be ‘Closed’.

Revoke the MARKPEND Menu Option REVPEND Function: ------------

This menu option using for revokes the MARKPEND instruments.



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IMP:

• The Partial Regulerised Zone will be changed as Closed only after posting of O/W Returned cheques through I/W Clearing.

• Once you execute the MCLZOH- ‘G’ for regularisation the Zone will be automatically closed, if no one cheques are returned in O/W Clearing Zone.

Other Important Menu Option Transfer of Lodgment Sets Menu Option MCLZOH Function: T

It may so happen that due to a sudden strike or non-participation by Banks, the clearing

operations would have been suspended at the clearing house. But till then branches may

have lodged cheques in a zone. It would be impractical to delete the cheques and re-lodge

them all over again. Hence by using the above option, all instruments which are lodged for

that days clearing under a particular zone can be moved to the next days clearing zone.

� Initially, you have to open new zone before execution of above menu option � Then Function: T & Press F4

� Then system asked you that: - From which Zone you have to transfer the sets and To

which Zone you need to lodge the cheques.

� Fill appropriate information and Press F10 for commit.

Inquiry of Zone Menu Option MCLZOH Function: I

This option gives details on the status of a zone, what amount is under shadow balance etc, whether regularized or not.

There are some option for inquiry as well as Printing Reports. Now, we will see the same:

� ACSBIO: Inquiry / Components of the shadow balance of an account � OPQ – Inquiry on the basis of Part Transactions. � OIQ: Instrument wise Inquiry � PCLSO: Print Clearing Schedule � PWO: Print Clearing Waste. � VALDRPT: Outward Clearing Value date Report

Inquiry / Components of the shadow balance of an account Menu Option ACSBIO Function: -------



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� This option gives the following details

Inquiry on the basis of Part Transactions Menu Option OPQ Function: -------


Instrument wise Inquiry Menu Option OIQ Function: -------




57

Print Clearing Schedule Menu Option PCLSO Function: -------



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Print Clearing Waste Menu Option PWO Function: -------

Outward Clearing Value Dated Report Menu Option VALDRPT Function: -------

� INWARD CLEARING The branch customers are regularly issuingcheques as payments to third parties.

Those collecting banks also lodged these chques through their outward clearing to

Clearing House. On daily basis Clearing House distributes these collected cheques to

all Bank-Branches. Every Bank-branch receives the cheques of their customer for



59

payment from RBI through Inward Clearing. There are also some Zones in Inward

Clearing.

Apart from that every Bank-branch gets Outward Return cheques with this

Inward Clearing. These cheques are also debited to customer’s accounts through

Inward Clearing Zone i.e. Outward Reject Zone.

Clearing Zone Code Description MICR MICR I/W Clearing NMICR Non MICR I/W Clearing MIRTN MICR Outward Reject NMIRTN Non-MICR Outward Reject

For Inward Clearing activity the process is as follows:

Menu Option Function Description

MICZ O Open Zone

ICTM A Add Cheques

ICTM V Verify Added Cheques

MICZ S Suspend Zone

MICZ R Revoke Suspended Zone

MICZ V Validation Run

MICZ P Post Run

MICZ Z Close Zone

MICZ T Validation Report

Now we will see Inward Clearing process step-by-step in following manner:

STEP 1: Open Zone of I/W Clearing Menu Option MICZ Function: O



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� The above screen of Maintenance of Inward Clearing Zone will always displays at the

time of execution of MICZ option. � After appearing of above screen Function: O (Open Zone) & Press F4

� In Zone field: 1st Field enter Zone ID & 2nd Field Date, in which you are going to lodge

the clearing. Press F4.

� Then enter Total Instruments Received in the Field ‘Tot Inst BAR’ and Total Amount of Instruments Received in the Field ‘Tot Amt BAR’

� Now Press F10 for commit

� Clearing Zone gets opened at this stage.

Note: The cursor shifts to the option box where you have the choices as under:

� G - General details. (The default screen) � S - Statistics (gives break up of postings into various a/c’s, useful after Posting

Run) � T – Transaction Details

� Now you have to lodge or enter the cheques in this Zone for that you have to go

through following step:

STEP 2: Add Instruments Menu Option ICTM Function: A

� Go to the menu option ICTM and enter then following screen will appear:

� Function: A then In Zone field: 1st Field enter Zone ID & 2nd Field Date, in which you

are going to lodge the clearing. Press F4. Then following screen will appear:



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� Enter Account No. & Press F11 � Enter Cheque No. Press <enter> � Enter Amount Press <enter> � Enter Payees Name Press <enter> � Press F9 for Viewing Signature of the Account Holder � If you would like to enter the other optional fields like Inst. date (systems validates chq

being stale / post dated if entered), bank code etc.� Press F11 after inputting payees name.

� If you do not want to enter the optional fields � press F4 directly after entering Payee details. The record gets added in the system if there are no exceptions else the system will flash a message showing exceptions like cheque not issued to the account or insufficient balance.

� If you would like to return a particular cheque for whatever reason, enter the cheque as

usual but modify the following fields to:

Carve: ‘N’ and Reject: I (Inward Reject)

� Press F6. Then the system will prompt you to enter certain details which have been explained later under Inward Rejects

� You will also notice that the following fields values are default populated:

� Transaction Code: Cheque transaction code is picked up by default depending upon the account type i.e. Saving’s 10, Current 11 and so on.

� Instrument Type: Cheque is by default

� Carve: Defaulted to Y. Under carving the system keeps on

apportioning the amount of the cheque as and when it is entered and reduces the available balance to that extent from the clients account.

� Reject: Defaulted to N (i.e. the cheque is not to be returned).



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Note: (1) After all cheques have been entered or if you want to quit the data entry and perform

other tasks you can either � press F3 or F10. (2) If there are any further cheques to be entered after you have quit, then use the ICTM

(A) option and continue with the data entry of the additional cheques. (3) If you wish to modify any particulars of previously entered cheques use the ICTM (M)

option. (4) In case of Demand Drafts and Pay orders additional details screen will have to be

visited wherein details like Issuing Bank/ Branch etc. will have to be input.

Tips: In case the account no. is repetitive (same) over a number of postings and the chq amount may or may not be the same then instead of pressing F4 after entering the payees name you should � press F8. You will notice that the previous entry gets updated in the system and the same line gets repeated again. You may now change only the instrument no. or the payees name as applicable.

STEP 3: Verify the Added Instruments Menu Option ICTM Function: V

� Go to the menu option ICTM and enter then following screen will appear:

� Function: V (Verify) then In Zone field: 1st Field enter Zone ID & 2nd Field Date and

Press F4. � The details of entered cheque are appear serially and system would have selected all

records for verification by default (* mark in the beginning).

� In case you would not want to verify a particular record take the cursor to that record by � pressing <Down Arrow> and then deselect it by �pressing Shift + F4.

� All * marked records will be verified on � pressing F10.



63

Tips : The ICTM option I (inquiry) and V (verify) are very powerful search tools. While verifying /

inquiring you can narrow down the selected records based on the criteria entered in the

above screen. For e.g. you would like to view all cheques debited / carved in inward

clearing for a particular account only, then use the Account no. Criteria. If you would like to

view / verify records with exceptions only use the Select All – X (option), without

exceptions – E (option). Only the relevant records will be displayed/selected.

STEP 4: Suspend Zone Menu Option MICZ Function: S

After all records are entered and verified, the user has to suspend the zone by using the

above option. This step is mandatory and is done to prevent any unauthorized

modification/additions into the zone and to enable further process to take place as explained

below.

� Go to the menu option MICZ and enter � Function: S (Suspend Zone) then In Zone field: 1st Field enter Zone ID & 2nd Field Date

and Press F4 twice.

� In option type S for Statistics and see whether accounting has made properly or not. If yes, Press F3 for come on 1st General Screen and Press F10 for commit.

� Clearing Zone gets Suspended at this stage.

STEP 5: Revoke of Suspended Zone Menu Option MICZ Function: R

If you need to re-open the suspended zone for entering the cheques or any modification you have to execute the above menu option. For that purpose take the following steps.

� Go to the menu option MICZ and enter � Function: R (Revoke Suspended Zone) then In Zone field: 1st Field enter Zone ID & 2nd

Field Date and Press F4.

� Then Press F10 for commit.

� Clearing Zone gets Open at this stage. Now you can make necessary changes through ICTM menu. Verification is also necessary and for further process you have to take Step-3 again i.e. Suspend Zone.

STEP 6: Validation Run Menu Option MICZ Function: V



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This process is to be exercised by the user before initiating the process of posting the

cheques into the account. This process generates a report, which indicates all the possible

errors/ exceptions, which the system is going to meet when trying to create transactions

and post the same into the various accounts .The user has to carefully go through the

report and take appropriate actions to overcome the errors/exceptions without which the

transactions cannot be posted. Such exception transactions will be in entered status only

and the user has to initiate the transaction maintenance screen and post it separately.

The validation run can be run any number of times. The report file is available in the

background menu option (F5).

� Go to the menu option MICZ enter and � Function: V (Validation Run) then In Zone field: 1st Field enter Zone ID & 2nd Field Date

and Press F4. Then following screen will appear:

� Press F4 then Printing screen will appeared in the field Background/ Foreground put ‘F’ then Print ‘Y’ and Press F10. The report validation will be generated.

� Press F5 for Background Menu and Select Print Queue Inquiry or (Menu Option PR).

Press F10. Now you can view / print the report.

STEP 7: Post Run Menu Option MICZ Function: P

When all the above processes are over, the user can initiate posting of the zone. Please

note this process creates transactions into the account i.e. it debits the customer accounts

and credits system interim inward clearing account (dummy suspense a/c). Posting of

transactions depends on the availability of funds, exceptions encountered etc. This



65

process also generates a report of the transactions posted, failed etc. The file will be

available in the background menu (F5). Post run also can be initiated any number of

times.

� Go to the menu option MICZ and enter � Function: P (Post Run) then In Zone field: 1st Field enter Zone ID & 2nd Field Date and

Press F4.

� Then Press F10 for commit. Then posting process will start.

� Status of Clearing Zone changed as Posted at this stage.

� In case of I/W Clearing Zone you have to close the Zone after posting. STEP 8: Close Zone Menu Option MICZ Function: Z

This is the last step in the inward clearing process. The user has to close the zone to

ensure that no further operation is initiated on that zone. By exercising this option the

system reverses the amount lying in the Interim System Inward Clearing a/c by debiting

the System Interim Inward Clearing account and crediting the branch Inward Clearing

Account.

� Go to the menu option MICZ and enter � Function: Z (Close Zone) then In Zone field: 1st Field enter Zone ID & 2nd Field Date

and Press F4.

� Then Press F10 for commit.

� Status of Clearing Zone changed as Close Zone at this stage.

� Inward Clearing Process end at this stage.

Note: � Short Claim: (Cheques received unlisted).

� In the event of cheques being received in excess of the RBI control figure (i.e. total

debits to the client is more than the bar amount under Finacle) then:

� Modify the Tot Inst BAR and Tot Amt Bar in MICZ – M option to include the totals of unlisted cheques.

� In the ICTM option A screen debit the cheques and after inputting the payees

name � press F11 and then F6 and go to the next screen

� Modify the fields to listed = N and received as Y (defaulted). � (As shown in the screen below)



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� Press F6 twice to come back to the original screen � Press F10 to commit. Then:

� Verify the instrument ICTM [V].

� Suspend the zone MICZ [S]

� Run the validation MICZ [V]

� Run the posting MICZ [P]

� Close the zone MICZ [Z]

� The system will automatically debit the client and park the amount in your Clearing Payable account.

� Excess Claim: (Cheques received less than RBI listing)

In the event of cheques being received less than the RBI control figure (Bar amount is

greater than the total debits to clients) then on closure of the zone the system will

automatically debit your clearing receivable with the shortfall.

� INWARD REJECT: (Return of cheques issued by your customer)

• Cheques which are received in Inward Clearing and are to be returned due to reasons like post dated, signature differs etc. are termed as Inward Rejects.

• In the ICTM option A when you are inputting details of the cheque (as explained earlier) modify the field Carve = N and the field Reject = I (i.e. Inward Reject) � press F4.

� The system automatically goes to the next screen



67

� Then input the reason code (press F2 for the various return codes) �press F4.

� The next screen flashes showing the charges recovered for the return � press F4 and � press F6

� Then input the presenting Bank / Branch details press �F4 and � F10 to commit.

� OUTWARD REJECTS: (cheques deposited by our clients returned)

Cheques, which have been lodged in Outward Clearing (i.e. cheques deposited by your

clients) if returned by the Drawee Banks, are called as Outward Reject. These returns are

processed in the Inward Clearing Module for which separate Return Zones have been

created.

� The creation of Zone and process is same as per Inward Clearing Process. � Before Staring the process you have to unmark the unregularised cheques if any,

which we have marked as pending through MARKPEND option.

� For unmarking the cheque the menu option is REVPEND.

� Open the concerned return zone by using the option MICZ [O].

� Input only the cheque no. and Reject field as O (i.e. outward reject) � press F6.

� The system will automatically pick up the relevant cheque based on the information input and flash all the details as regards the drawee Bank / branch /client a/c no. etc.� press F6

� Input the return reason code (of the other Bank) � press F6 to return to the main

screen and � press F10 to commit.



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� Run all the processes applicable under the Inward Clearing module.

� The system automatically debits the client and credits the branch Outward Reject

account and also deducts the necessary charges.

� Inquiries and Reports are available for Inward Clearing

Menu: PICS Menu: PICW

Tran Code, Chq No. Amount

Print Display / Media List



69

The banks provides ancillary services like remittances, safe deposit locker, credit card services

etc. The remittances services are most important ancillary services in Banking Industries. There

are different types of remittances like Demand Draft, Payorders, Telegraphic Transfer, Mail

Transfer, and Travelers Cheques etc.

Now we will see the entire procedure regarding issuing Demand Draft / Payorder in Finacle.

For Issuing Single DD or PO Menu Option TM

� Go to the menu option TM enter then following screen will appear:

� Function: A (Add) and Press F4 � Enter DD Issued Account no. & Press F11

� Enter Amount, then ‘C’ as Credit Part-Tran and description and Press F4

� After pressing F4 following screen will appear:

Issue of DD / Payorder



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� In above screen make entry as under:

� Create Part-Tran: Y (only applicable in case DD/PO transaction is done first) � Drawn on: in 1st Field Bank Code is by default then in 2nd Field select the

Branch code, on which you want to draw the draft. � Enter Payee Name � Enter Purchaser’s Account No. & Press F11 then Press F4 � In Print Option put ‘L’ and Press F4 � Then the screen of commission on DD/PO will appear. Accept the same by

pressing F4. � Then you will appear on 1st Screen of TM. In specify option press down arrow

and go in debit part-tran of customer account then following screen will appear:

� In specify option put ‘M’-Modify & Press F4 then insert Instrument Type, number and

date. Press F4 again. Then put ‘P’-Posting Requested in specify option & Press F4 in every part-tran. Finally, Press F10 for commit.

� Now, DD Set-up is over. Send the transaction for verification.



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� Go to the menu option DDMI and enter then following screen will appear: � In above screen make entry as under:

� Function: A (Add) Press F4 � Then Enter Transaction Type/ Sub-type � Enter DD Issued Account Number � Enter Purchaser Account in Purch. And Comm. Fields and Press F4 � Then in DD details enter Amount, Drawee Branch Code, Payee Name and

Press <Down Arrow> � After that all details appears upper side. Again start to enter DD details of 2nd

one. � Continue this process upto last DD and Press F10 for commit � The Transaction Id would be generated by system.

For Verification of Multiple DD or PO Issued Menu Option DDMI

� The same screen as above will appear then do the process as under:

� Function: ‘P’ (Post) enter Transaction ID and Press F4 � Verify the details of all DDs one-by-one by pressing Down Arrow continuously. � After verifying all details Press F10 for commit.

For Printing Single DD / PO Menu Option DDPRNT

For Issuing Multiple DD or PO Menu Option DDMI



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� Go to the menu option DDPRNT and enter then following screen will appear:

� The same screen as above will appear then do the process as under:

� Enter Part-Tran ID of DD and Date of Issue. Press F4 � All the details of the DD would appear on the screen along with the DD No.,

which will be generated by the System, however you can change the DD No. Press F10 & DD will be printed.

� After printing of DD at place of Print? It will change as Print OK – Y. Press F10 again. Then you can go for next DD Printing.

For Printing All DD / PO Menu Option DDPALL

� Go to the menu option DDPALL and enter � The screen appears with date only. You can input the date and Press F4. � The system shows you all DD details. The procedure of printing is like above. Only the

thing you have to Press F10 directly at Print? – Y. � After printing of one DD at place of Print? It will change as Print OK – Y. Press F10

again. � The remaining unprinted DD details are appears. For printing all DDs follow above

procedure.

For Cancellation of DD / PO Menu Option DDC

� Go to the menu option DDC and enter. The following screen will appear:



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� Then do the procedure as under:

� Function: C (Cancellation) and Press F4 � Enter The DD no. DD issue date and press F4. � Enter the Enter “ C “ for Cash & “ T “ For transfer � “ Y ” to be entered for taking cancellation Charges � Amount of the DD should be entered � Enter DDD and DD Number to be entered � Name of the Drawee Branch and Date of the instrument � Account No of the DD � The account No of the Purchaser. Not applicable in case of cash. � Press F10 to commit. The Transaction ID will be generated by system.

For Verification of Cancellation of DD / PO Menu Option DDC

� Go to the menu option DDC and enter. The same screen as above will appear then do

the process as under:

� Function: ‘P’ (Post) enter Transaction ID and Press F4 � Verify the cancellation details of DD � After verifying all details Press F10 for commit. � Cancellation of DD stands verified.

For Marking DD / PO as Lost Menu Option DDLOST

� Go to the menu option DDLOST and enter. � The same screen as above will appear then do the process as under:



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� Enter DD No. and Date of Issue. Then Press F4.

� Enter Non-Payment Advice Required. ‘Y’ or ‘N’ as case may be. � Press F10 for commit. � The DD Tran Status will be changed as Lost.

For Revert the Marking DD / PO as Lost

Menu Option DDREVERT � Go to the menu option DDREVERT and enter. � The same screen as above will appear then do the process as under:

� Enter DD No. and Date of Issue of that DD, which you had marked as LOST. Then Press F4.

� All details appeared as above then Press F10 for commit. � The DD Tran Status will be changed as Issued.



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For Every Bills Maintenance (OCC, OCP, BD, BD under LC) Menu Option BM

Now we will see the procedures of lodgment, realization and dishonor of Outward Cheques for Collection (OCC). Lodgment of Chaque: � Go to Menu option and enter option BM. The following screen will appear:

� Function: G (Lodge) and Press F4 � Enter Register Type IOCC (Inland Outward Cheque for Collection) � Enter Register Sub-Type as CHQOU – If cheque would be sent for collection to Our

Bank’s Branch and CHQOT – If cheque would be sent for collection to Other Bank’s Branch. Then Press F4.

� The Bill ID will be generated by system. Then go through as follows: � Enter Lodger Account no. and Press F11 � Enter Bill Amount � Enter Drawee Bank / Branch Details � Enter Collecting Bank/ Branch Details � Enter Drawer Name and Address if known � In Lodger Ref. Enter Instrument / Cheque No. � Press F4 for accepting General Details of Bills � Press F10 for commit.

Bills Maintenance



76

Realisation of Cheque: � Go to Menu option and enter option BM. The following screen will appear:

� Function: R (Realise) and Enter Bill ID then Press F4 � In option input ‘R’ and Press F4. Following screen will appear:

� In above Transaction Screen if, the cheque is Register Sub-Type as CHQOU so Press F4 and go to next screen. But the cheque is Register Sub-Type as CHQOT, so enter Other Bank Charges and Press F4

� Then in next screen input ‘L’ –List then transactions of realisation will be listed as follows:



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� See the transactions and Press F3 for quitting from inquiry

� Then following screen will appear:

� In option input ‘A’ –Accept & Quit. Press F4 � We will be back on 1st Screen then Press F10 for Commit. � Bill realisation process is over.

Dishonor of Cheque: � Go to Menu option and enter option BM. The following screen will appear: � Function: N (Dishonor) and Enter Bill ID then Press F4 � In option input ‘N’ and Press F4. Following screen will appear:



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� Again Press F4 and go to next screen. � Then in next screen input ‘L’ –List then transactions of dishonour will be listed as

follows:



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� See the transactions and Press F3 for quitting from inquiry

� Then following screen will appear:

� In option input ‘A’ –Accept & Quit. Press F4 � We will be back on 1st Screen then Press F10 for Commit. � Bill dishonoured process is over.

For Verification of Bills Maintenance (OCC) Menu Option BM

Now we will see the verification process of OCC lodgment, realisation and dishonour.

� Function: V (Verify) for all types of above activities. � Go through the process of lodgment, realisation and dishonour and Press F10 at

final stage for verified status.



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For Every Type of Account Opening Menu Option OAAC

� Go to Menu option and enter option OAAC. The following screen will appear:

� Enter Customer ID & Press F11 for confirming Customer’s Name � Enter appropriate Scheme Code & GL Sub-head Code Press F4. Then following screen will

appear � For every account opening of Term Deposit the General, Scheme and Flow Details are

mandatory

� Function: O (Open) and Press F4. Then following screen will appear:

Account Opening – Term Deposit



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� The above 1st Screen of General Details will appear then enter the details like mode of operation, location code etc. Then Press F6 for next screen.

� The above 2nd Screen of General Details will appear then enter the details like Interest Credit Account No. The Deposit Receipt field is by default in case of Term Deposit. Press F6 for next screen.



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� The above 3rd Screen of General Details enter the TDS Operative Account if applicable. Press F6 again. Then you will come on 1st Screen of General Details.

� Now Press F4 for accepting General Details.

� In Enter Option input ‘S’ for filling Scheme Details and Press F4. Then following Screen

will appear:

� Enter Deposit Amount. Then enter Period of Deposit- 1st Field for Months and 2nd for Days.

Fill appropriately. � In Value Date the current date is displayed by default, but in case of back-dated effect you

may input effective date.

� Enter Repayment Account no. If given by customer.



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� If customer have appointed nominee at the time of account opening, so you have to make the Nomination Flag ‘Y’ in the Scheme Details and fill the details of nomination from the option ‘N’.

� Press F6 for next screen. Then following screen will appear:

� Enter Auto Closure –‘N’ (No) or ‘Y’ (Yes), as applicable and another concerned field like

Auto Renewal / Max. Auto Renewal etc. Press F4 for accepting Scheme Details. � In Enter Option input ‘F’ for filling Flow Details and Press F4. Then following Screen will

appear:

� Press CTRL+E to explode the flow –



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� Press F4 twice for accepting Flow details.

� After pressing F10 the 15 Digits account number will be generated by system � If you have entered Y in the field “Availing Nomination facility” then go to option ‘N’.


� Input details and Press F4 for accepting Nomination Details. � In case of Joint Account you have to add Joint Account Holders from the option ‘A’ i.e.

Additional Party Details. The Customer IDs are necessary for all the Joint Account Holders.

� If there are Joint Account Holders - Go to option ‘A’ and Press F4. Then following screen

will appear:



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� In the option ‘A’ – Additional Party Details the details of the main a/c holder will appear, for adding joint a/c holders - Press DOWN ARROW KEY.

� Press DOWN ARROW keys to add more joint a/c holders and continue as explained

above. � Then Press F4 for accepting Additional Party Details

� Note down the system generated account number for further verification

� If you have chosen any Flexi Fixed Deposit (FFD) Scheme, so you have to fill one more

screen i.e. FFD Link Details - Go to option ‘B’ and Press F4. � Enter Operative Account No. In which Auto-Sweep of Fund need to be transferred. � Sweep-Out In Steps of: Enter the required amount.

� Press F4 for accepting FFD Details

� Other than General and Scheme Details for every additional detail you have to accept

those details with F4 and then Press F10 for final commit.

For Verification of A ccount Opening of Term Deposit Menu Option OAACAU

� Function: V (Verify) � Input Generated A/c No. in Temporary A/c No. Field and Press F4 � For visiting all screens of General Details Press F11 continuously

� After coming on 1st Screen Press F4 for accepting General Details



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� Enter option ‘S’ and press F4 for verifying Scheme Details

� Verify details and Press F4.

� Enter option ‘F’ and press F4 twice for verifying Flow Details � If the nomination has been given then - enter option ‘N’ and press F4.

� Verify the details and Press F4.

� If account is Joint - Enter option ‘A’ and Press F4.

� Verify the details and press F4.

� If account is FFD Type - Enter option ‘B’ and Press F4.

� Verify the details and press F4.

� Press F10 to commit. The account number will be displayed.

� The account stands verified.



87

Banks render services to their customers by complying with given standing instructions. Customer

gives these instructions to their banker, which relates to certain financial dealings like transfer of

funds. These instructions are meant either for a specific period mentioned by the customer or until

further instructions from the customer in the matter.

Now we will see the procedure to maintain the Standing Instructions in Finacle:

For Creation of Standing Instructions Menu Option SIM

� Go to the menu option SIM and enter. The following screen will appear:

� Function: A (Add) Press F4. Then enter the details as below:

� In SI Class input ‘C’ for Customer Induced or ‘B’ for Bank Induced � Input Customer ID and Enter SI Frequency i.e. D-Daily, W-Weekly, F-Fortnightly,

M-Monthly, Q-Quarterly, H-Half Yearly and Y-Yearly. � Enter Execution Time i.e. B-Beginning of Day, D-Anytime during Day, A-After

business hours and E- Every time � Specify Next Execution Date of SI. Enter in Auto Post- Y. Then End date of SI. � Delete Transaction if not posted? - Y for deleting. Then Carry Forward –Y and

Max. Time for such carry forward. � After filling all details Press F4

� After Pressing F4 the following Screen will appear: � In Option curser is blinking. Press F4 again

Standing Instructions



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� Then enter the details as below:

� Enter Amount Indicator – as applicable. Part-Tran Type – ‘D’ Debit � Enter Amount and Press F4

� Then above screen will appear. Enter details as below:

� Enter Amount Indicator – as applicable. Part-Tran Type – ‘C’ Credit � Enter Amount and Press F4 � Then you will come on 1st Screen then Press F10 for commit. � SI ID will be generated by system.

For Verification of Creation of Standing Instructio ns Menu Op tion SIM

� Go to the menu option SIM and enter.



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� Function V (Verify) and Input SI Srl. No. Then Press F4 � Accept General Details with pressing F4

� 1st Debit Part-Tran Screen will appear verify and accept with F4

� 2nd Credit Part-Tran Screen will appear verify and accept with F4


� SI stands verified.

Note: In cases where for credits to say Recurring Deposit type of account then the user has to visit additional screen for Flow ID by pressing of F6 key, before final commit by F10 key.



90

Limit Nodes In Finacle Credit Limits can be set at Account Level as well as at Node Level for deriving the Drawing Power

for a customer. In case the limits are set at Node Level then the following are the advantages:

� Managing two or more accounts with drawing power deriving from the same

security.

� Interchangeability of limits among different accounts.

� Monitoring the overall exposure to a single client / group of clients.

� Exposure to a select commodity / security. Limit Node Maintenance helps you to build these requirements in the limit management Limit Node Concept Limit nodes are used to group accounts under one node to enable easy monitoring and

organization. A limit node can be linked to a security for deriving drawing power. Distribution of

overall group (group may be a group of clients or a group of accounts) limits to individual

members (members may be accounts or clients) is possible through creation of Parent Node and

Child Nodes. It would be interesting to note that limits of every child node can further be

distributed to group of accounts or clients. This is diagrammatically explained below.

The diagram represents the limits sanctioned to a client with the following conditions Facility Particulars Limit (Rs.Lakhs) Remarks Funded 1 Term Loan 200 Total of 1 to 4 not to exceed Rs.

500 Lakhs & 2 to 4 not to exceed Rs.300 Lakhs

2 WCDL 100 3 CC 150 4 BP 150 Total Funded Facilities 500 Non-Funded 1 LC 300 Total Non Funded not to exceed

Rs. 500 Lakhs 2 BG 300 Total Non- Funded Facilities 500 TOTAL COMPANY EXPOSURE 1000

Limit Node Maintenance



91

FLOW -CHART OF LIMIT NODE MAINTEANCE Note: In the above chart every node is having the upper limit. The Company Exposure Limit

Node is Parent Limit for Fund Based and Non-Fund Based Limit Node. Then the Fund Based

Limit Node is Parent Limit for TL, WCDL, CC and BP Limits, which are child limits. And Non-

Fund Based Limit Node is Parent limit for LC and BG Limits, child limits.

Limit Node Set-up in Finacle: In case of following set-up in Limit ID 1st Block enter Customer ID and in 2nd Block put the Code as under:

� Main Parent Limit i.e. Company Exposure: COEXP � Fund Based Limit Node: FBEXP

� The Code for Child Lines of above is as CC, BP, BD, TL, and WCDL etc. � Non-Fund Based Limit Node: NFEXP

� The Code for Child Lines of above is as LC, BG etc.

For Limit Node Maintenance Set -up Menu Option LNM

TOTAL COMPANY EXPOSURE RS.1,00,00,000/-

FUND BASED

Rs.50,00,000/-

NON-FUND BASED

Rs.50,00,000/-

LETTER OF CREDIT Rs.30,00,000/- WCDL

Rs.10,00,000/-

CASH CREDIT Rs.15,00,000/-

BILLS PURCHASED Rs.15,00,000/-

TERM LOAN Rs.20,00,000/-

BANK GUARANTEE Rs.30,00,000/-



92

� Go to Menu option and enter option LNM. The following screen will appear:

� Function: A (Add) and Press F4 � Enter Limit ID as in 1st Block enter ‘Customer ID’ and in 2nd Block enter the Code as

above i.e. COEXP, FBEXP, NFEXP with a valid Limit Suffix. Then Press F4. � Enter Description as the case may be. � Enter Currency Code as applicable for the Node. � Enter Customer ID � Enter Parent Limit ID as COEXP in case of FBEXP & NFEXP and � Enter Parent Limit ID as FBEXP or NFEXP in case of their concerned Child Limits. � Enter Sanction Limit amount � Enter Drawing Power Indicator � Enter Limit Sanction and Limit Expiry Date � Select appropriate Sanction Level and Sanction Authority Code � Enter Single Transaction field ‘N’ – No for Running Limits Exposure. � Then Press F10 for Commit

For Verification of Limit Node Maintenance Set -up Menu Option LNM

� Function: V (Verify) and Press F4 � Enter Limit ID as in 1st Block enter ‘Customer ID’ and in 2nd Block enter the Code as

above i.e. COEXP, FBEXP, NFEXP with a valid Limit suffix. � Then Press F4. � Verify the details and Press F10 for Commit � The LNM stands verified.

For Inquire LNM Summery i.e. Limit Tree Lookup Menu Option LTL

� Go to Menu option and enter option LTL. � Enter Limit ID as in 1st Block enter ‘Customer ID’ and in 2nd Block enter the Code as

above i.e. COEXP. � You can be viewed entire Company Exposure with Total O/S Liabilities.



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For Every Type of Account Opening Menu Option OAAC


� Enter Customer ID & Press F11 for confirming Customer’s Name � Enter appropriate Scheme Code & GL Sub-head Code Press F4. Then following screen

will appear � For every account opening of Cash Credit the General, Scheme, Limit Details and MIS

Details are mandatory.

� The above 1st Screen of General Details will appear then enter the details like mode of

operation, location code etc. Then Press F6 for next screen.

Account Opening – Cash Credit



94

� The above 2nd Screen of General Details will appear then enter the details like statement

frequency, interest credit a/c flag etc. The most important field in this screen is Interest Rate Code. Please choose appropriate one. Press F6 for next screen

� In the above 3rd screen important fields are as follows: - � Interest Calculation Freq Dr: Please select the applicable value. � Next Int. Calc. Date Dr: Please select the applicable value. � Then Press F6 and will come on 1st screen. Now Press F4 for accepting General Details. � In Option field enter ‘S’ for entering Scheme Details and Press F4. Then following screen

will appear:



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� In the above screen of Scheme Details fill the following fields as: � Dr. Balance Limit: Enter Sanctioned Amount � Max. Allowable Limit: It can be lower than limit or equal to limit � Credit File No.: Enter the number of Credit File of Customer � Debt Acknowledgement Date: Enter the date of loan documents / revival letter, whichever

is latter � All other mandatory fields needs to be filled. Then Press F6 for next screen

� Keep Account Health Code as 001 for Regular. Press F4 accepting Scheme Code. � In Option field enter ‘H’ for entering Limit Details and Press F4. Then following screen

will appear:



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� In the above screen of Sanction Details fill the following fields as: � Sanction / Expiry / Document / Review Date � Sanction Level / Authority / Ref. No. and Security Description. Then Press F4. Following

Drawing Power Details screen will appear:

� In the above screen of Drawing Power Details fill the following fields as: � Drawing Power Indicator: Enter applicable value. � A/C Recalled: ‘N’ and then Press F4 for accepting DP details.

� In Option field enter ‘V’ for entering MIS Details and Press F4. Then following screen will appear:



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� In above screen of MIS select appropriate codes. After completion of the same Press F4 for accepting MIS Details.

� Again you will back in option field. Press F10 for commit. � The account number will be generated by the system as per following screen:



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For Verification of Account Opening of Cash Credit Menu Option OAACAU

� Function: V (Verify) � Input Generated A/c No. in Temporary A/c No. Field and Press F4 � For visiting all screens of General Details Press F11 continuously


� Enter option ‘S’ for verifying Scheme Details and press F4

� Press F11 for visiting next screen of Scheme Details


� Enter option ‘H’ and press F4 for verifying Sanction and DP Details � First, Sanction Details will appear. Verify and accept with Pressing F4.

� Then, DP Details will appear. Verify and accept with Pressing F4.

� Enter option ‘V’ and press F4 for verifying MIS Details

� After appearing MIS Details verify and Press F4 for accepting the same.


� The account stands verified.



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Now we need to make the Set-up of Security Register Maintenance (SRM) for linking to Cash

Credit Account. The availability of funds in CC Account is depending upon the Drawing Power.

The Drawing Power calculation can be derived from Security linked to that account.

Application

SRM is used for maintenance of security and drawing power allocation in respect of all

advance accounts where drawing power is derived from securities.

Functions

The Security Register Maintenance (SRM) has two important functions –

(a) Maintenance of particulars of the securities submitted by a client and

(b) Allocation of drawing power to an account

(c) Other utilities include: -

1. Stipulation of maximum drawings allowable against security to the relative account.

2. Classification of the security as Primary / Collateral. 3. Maintenance of the Market Value, Repurchase Value, Face Value with options to specify

which is to be used, Margin to be retained, whether additional details like Insurance,

Charges, Income and Expenses are required or not.

4. The system provides linkage to Interest Computation for computing additional interest for

non-submission of Stock.

5. If the security is a Deposit Account, a lien is marked on the account for the value of the

Advance Amount / Limit Sanctioned and the component of available balance is updated

appropriately.

Security Register Maintenance



100

FLOW CHART - SRM In the ensuing paragraphs, steps involved are explained in detail. 1(start) 2 3

6 5 4

7 8 (END)

For Set-up of Security Register Maintenance Menu Option SRM

� Go to Menu option and enter option SRM.

� Function: A (Add) and Linkage Type ‘A’ – Linked to Account (If there is Limit Node for

this account so, choose ‘N’ if so, put Node ID). For A you have to enter Account No.

and Press F4.

� Select appropriate Code for: Security code, Security Group, Security Class.

� Enter Ceiling Limit of Security

� Enter Margin Percentage as per sanction letter

� Nature of Charge:

� Pledge – If Securities are Shares, NSC, Car, Bank’s Term Deposit etc.

� Hypothecation - If Securities are Stock, Book Debts etc.

� Mortgage – If Securities are Building, Plot, Flat etc.

� Assignment - If Security is Insurance Policy

Type SRM in the Menu

Option and enter

Select Option-A and Add Security Details

Select Option-C and enter Charge

Details

Select Option N and enter Insurance

Details

Select Option-P and

enter Inspection

Details

Account gets

Drawing Power

Commit the record

by Pressing F10

Verification of the Record by Authorized

Person



101

� Enter Received Date i.e. Stock Statement Date (If Security is Stock, Book Debts etc.)

and enter Due Date of the same.

� Frequency: This frequency is pertains to Stock Statement Frequency, which submits

by the borrower in future.

� Unit Value is for the Securities like Shares, Term Deposit Receipts, NSC etc.

� If you have entered Unit Value, so enter No. of Unit also.

� Security Value: In case of securities like Stock, Book Debts, Car, House put the total

value in the filed

� Primary / Collateral: Enter ‘P’ for Primary Security and ‘C’ for Collateral Security.

Important aspect is drawing power is only derived from Primary Security.

� After completion of the information Press F4 for accepting Security Details.

� In Option filed enter ‘C’ and Press F4 for filling Details of Charge on Security.

� Again in Charge Details enter ‘A’ (Add) in Option and Press F4 then following screen

will appear:

� Fill all the Charge Details appropriately and Press F4 for accepting Charge Details.

� In Enter Option put ‘S’ and Press F4 for go back in Security Screen.

� In Option filed enter ‘N’ and Press F4 for filling Details of Insurance

� Again in Insurance Details enter ‘A’ (Add) in Option and Press F4 then following

screen will appear:



102

� Fill all the Insurance Details appropriately and Press F4 for accepting Insurance

Details.


� In Option filed enter ‘P’ and Press F4 for filling Details of Inspection.

� Again in Inspection Details enter ‘A’ (Add) in Option and Press F4 then following

screen will appear:

� Fill all the Inspection Details appropriately and Press F4 for accepting Inspection

Details.





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For Verification of Set-up of Security Register Maintenance Menu Option SRM

� Function: V (Verify) and Press F4

� Then Verify all the above screen i.e. Security, Charge, Insurance and Inspection one-

by-one as per the procedure of above only instead of ‘A’ – Add in option at every

screen input for ‘I’ – Inquiry.

� After completion of all Press F10 for commit.

Note: The SRM activity is to be done after every account opening of Cash Credit, Loan

against FDR / Shares/ NSC/ LIC etc., Housing Loan, Two / Four Wheeler Loan or any other

loan against security.



104

For Every Type of Account O pening

Menu Option OAAC


� Enter Customer ID & Press F11 for validating Customer’s Name

� Enter appropriate Scheme Code & GL Sub-head Code Press F4. Then following screen

will appear

� For every account opening of Loans the General, Scheme, Limit Details, Interest, MIS and

Repayment Schedule Details are mandatory.

Account Opening – Loans



105

� The above 1st Screen of General Details will appear then enter the details like mode of

operation, location code etc. Then Press F6 for next screen.

� The above 2nd Screen of General Details will appear then enter the details like statement

frequency, interest credit a/c flag etc. The most important field in this screen is Interest

Rate Code. Please choose appropriate one. Press F6 for next screen.

� In the above 3rd screen important fields are as follows: -

� Interest Calculation Freq Dr: Please select the appropriate value.



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� Next Int. Calc. Date Dr: Please select the appropriate value.

� Then Press F6 and will come on 1st screen. Now Press F4 for accepting General Details.

� In Option field enter ‘S’ for entering Scheme Details and Press F4. Then following screen

will appear:

� In the above screen of Scheme Details fill the following fields as:

� Enter Loan Amount: Sanctioned Amount

� Loan Period: Enter total months in 1st Field

� Enter Credit File No.

� Holder In Operative A/C For Amount Due: ‘Y’ – Yes or ‘N’ – No

� Repayment Method: If above field value is ‘Y’, so Put here ‘E’, else put ‘N’

� Operative A/c No. above value is ‘Y’, so put appropriate SB, CA Account No.

� Debt Acknowledgement Date: Enter the date of loan documents / revival letter, whichever

is latter

� All other mandatory fields needs to be filled. Then Press F6 for next screen

� Put appropriate information as per sanction letter and Press F4 for accepting Scheme

Details

� In Option field enter ‘H’ for entering Sanction and DP (Drawing Power) Details and Press

F4. Then following screen will appear:



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� In the above screen of Sanction Details fill the following fields as:

� Sanction / Expiry / Document / Review Date

� Sanction Level / Authority / Ref. No. and Security Description. Then Press F4. Following

Drawing Power Details screen will appear:

� In the above screen of Drawing Power Details fill the following fields as:

� Drawing Power Indicator: Enter ‘D’ Derived from Security in Case of CC Account

� A/C Recalled: ‘N’ and then Press F4 for accepting DP details.

� In Option field enter ‘I’ for entering Interest Details and Press F4. Then following screen

will appear:



108

� Accept above details with Pressing F4 after valid values being filled.

� In Option field enter ‘V’ for entering MIS Details and Press F4. Then following screen

will appear:

� In above screen of MIS select appropriate codes. After completion of the same Press

F4 for accepting MIS Details.

� In Option field enter ‘E’ for entering Repayment Schedule Details and Press F4. Then

following screen will appear:



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� In the above screen of Repayment Schedule Details fill the following fields as:

� Flow ID is system generated as per selection of Scheme Code. Those are PRDEM

and EIDEM. Enter Nos. of Installments

� Enter Principal Demand Date and then the Frequency.

� Then enter Interest Demand Date and frequency.

� Press F4 for accepting Repayment Schedule Details.

� Now Press F10 for commit. The Account No. will be generated by system as below:

For Verification of Account Opening of Loan

Menu Option OAACAU

� Function: V (Verify)

� Input Generated A/c No. in Temporary A/c No. Field and Press F4

For visiting all screens of General Details Press F11 continuously



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� Enter option ‘S’ for verifying Scheme Details and press F4

� Press F11 for visiting next screen of Scheme Details


� Enter option ‘H’ and press F4 for verifying Sanction and DP Details

� First, Sanction Details will appear. Verify and accept with Pressing F4.

� Then, DP Details will appear. Verify and accept with Pressing F4.

� Enter option ‘I’ and press F4 for verifying Interest Details

� After appearing Interest Details verify and Press F4 for accepting the same.

� Enter option ‘V’ and press F4 for verifying MIS Details

� After appearing MIS Details verify and Press F4 for accepting the same.

� Enter option ‘E’ and press F4 for verifying Repayment Schedule Details

� After appearing Repayment Schedule Details verify and Press F4 for accepting the

same.


� The Loan Account stands verified.



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Bank Guarantee is an instrument issued by the Banks in which the Bank agrees to stand against the non-performance of some action of a party. The quantum of guarantee is called the ‘Guarantee amount’ . The guarantee is issued upon receipt of a request from ‘applicant’ for some purpose/transaction in favor of a ‘Beneficiary ’. The ‘issuing bank’ will pay the guarantee amount to the ‘beneficiary’ of the guarantee upon receipt of the ‘claim’ from the beneficiary. This results in ‘invocation’ of the Guarantee.

The guarantees issued by the banks have been classi fied into: � Advance Payment Guarantee � Bid Bond Guarantee � Financial Guarantee � Performance Guarantee � Shipping Guarantee � Deferred Payment Guarantee

There will be further classification of guarantees, such as: Inland Bank Guarantee and Foreign Bank Guarantee. Guarantees issued favoring Government and Others than Government Authorities. Following types of registers have been defined: -

Codes Type of Registers FBGA Foreign Guarantee – Advance payment FBGB Foreign Guarantee – Bid Bond FBGF Foreign Guarantee – Financial FBGP Foreign Guarantee – Performance FBPG Foreign Guarantee – Deferred Payment IBGA Inland Guarantee – Advance payment IBGB Inland Guarantee – Bid Bond IBGF Inland Guarantee – Financial IBGP Inland Guarantee – Performance IBPG Inland Guarantee – Deferred Payment

� Now we will see the procedures in Finacle for:

� Issuing of Inland Bank Guarantee � Reverse of Bank Guarantee � Invoke of Bank Guarantee

IMP: For Set-up Bank Guarantee (BG) the Set-up of LNM ( Limit Node Maintenance) for Bank Guarantee.

� 1st Step For Set-up of BG is Setting up of LNM i.e. Limit Node Maintenance.

For Limit Node Maintenance Set-up Menu Option LNM

� Go to Menu option and enter option LNM. The following screen will appear:

Bank Guarantee



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� Function: A (Add) and Press F4 � Enter Limit ID as in 1st Block enter ‘Customer ID’ and in 2nd Block enter ‘BG’ � Then Press F4 � Enter Description as Bank Guarantee � Enter Currency Code as INR (Indian Rupee) � Enter Customer ID � Enter Sanction Limit amount � Enter Drawing Power Indicator � Enter Limit Sanction and Limit Expiry Date � Select appropriate Sanction Level and Sanction Authority Code � Enter Single Transaction field ‘Y’ – Yes for Single BG Transaction and ‘N’- No for

Running Limit of BG � Then Press F10 for Commit

For Verification of Limit Node Maintenance Set-up Menu Option LNM

� Function: V (Verify) and Press F4 � Enter Limit ID as in 1st Block enter ‘Customer ID’ and in 2nd Block enter ‘BG’ and Press

F4 � Verify the details and Press F10 for Commit � The LNM stands verified.

For Issuing Bank Guarantee Set-up Menu Option GMM

� Go to Menu option and enter option GMM. The following screen will appear:



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� Function: A (Add) and Press F4 � Enter Guarantee Type and Currency Code. Then Press F4. � Enter Customer ID � Enter Guarantee Class and Guarantee Amount � Enter Issue / Effective Date: Current Date (It may be future date also) � Enter Limit ID of BG � Enter Operative Account number of Customer � Enter Expiry Period: 1st Field for Months and 2nd for Days and Press F11 then Expiry

Date will automatically appear � Enter Claim Period: 1st Field for Months and 2nd for Days and Press F11 then Claim

Date will automatically appear � After completion of the above Press F4 for accepting General Details � Then you will appear following screen for filling of Beneficiary Details:

� Enter Beneficiary Type: ‘G’ for Government and ‘O’ for Others � Enter Beneficiary Name and Address. Enter City Code, State Code, Country Code

and PIN Code and Press F4 for accepting Beneficiary Details



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� You will appear on 1st Screen of BG. In Option enter ‘C’ for Commission / Charges

Details and Press F4 then following Screen will appear.

� Press F4 for accepting Charge Details � You will appear on 1st Screen of BG. In Option enter ‘K’ for Margin Details and

Press F4 then following Screen will appear.

� Function: C (Collect) and Press F4 � In Type C/L [C-Cash Margin / L -Lien]: Choose appropriate � By default ‘C’ and Cash Margin Account is on screen.



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� In case of ‘L’ you have to enter Lien Account i.e. any Term Deposit account, which has taken as Margin Money for BG.

� In collected amount enter the figure, which you have taken as Margin Money � In case of ‘C’ you have to enter Operative / Transfer Account No. in the field � After completion Press F4 to accept � Curser will blink in Function field. Enter ‘A’ – Accept & Quit then Press F4 � You will appear on 1st Screen of BG. Now Press F10 for Commit. � Bank Guarantee Number will be generated by System.

For Reversing Bank Guarantee Menu Option GMM

Any expired guarantee can be reversed. Reversal of guarantee will reverse the contingent transactions already put through at the time of issue. The transactions are created as a part of verification process.

� Go to Menu option and enter option GMM. The following screen will appear:

� Function: R (Reverse) and Guarantee Number. Then Press F4. � Guarantee Details will appear. In Option enter ‘K’ for Margin Details and Press F4.

Then following screen will appear:



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� Function: R (Release) and Press F4. � Enter Operative Account No. and Press F4 for accepting Margin Details � In Function: A (Accept & Quit) and Press F4 � You will appear on 1st Screen of BG. Now Press F10 for Commit

For Invocation Bank Guarantee Set-up Menu Option GMM

� Step 1:

Mark Guarantee for Invoke

Before actually marking the guarantee as invoked, the user has to mark the guarantee for invoking. This is only a status change event and no transactions are created as part of ‘marking the BG for invocation’. This process also needs verification. Once the guarantee is marked for invoking, invoke process can be initiated. � Go to Menu option and enter option GMM. � Function: G (Mark Invoke) and Guarantee Number. Then Press F4. � Now Press F10 for commit � Then Verify the Mark Invoke through GMM � Function: V (Verify) and Guarantee Number. Then Press F4. � Guarantee Details appears � Now Press F10 for commit. � Marking of Invocation stands verified

� Step 2: Invoking the Guarantee

Once the record is marked for invoking, the user can invoke the guarantee. He has to use function “N” of menu GMM. The user will be taken to the screen directly shown under “invoke” sub option. The user has to indicate the operative account and also the loan account. The loan account would be used for debiting the claim amount. The system uses the loan account and creates the transaction as under

Debit Loan account to the extent of claim amount



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Credit Invocation credit account derived by system From Invocation Cr. a/c place holder As part of invocation, system also reverses the contingent liability amount and reduces the liability amount in the limit node.

� Go to Menu option and enter option GMM. � Function: N (Invoke) and Guarantee Number. Then Press F4. � Guarantee Details appears � In option enter ‘K’ for Margin Details � Function: R (Release) and Press F4. � Enter Operative Account No. and Press F4 for accepting Margin Details � In Function: A (Accept & Quit) and Press F4 � You will appear on 1st Screen of BG. Now Press F10 for Commit For Verification of All Steps of Bank Guarantee Menu Option GMM

� Then Verify the Mark Invoke through GMM � Function: V (Verify) and Guarantee Number. Then Press F4. � Now Press F10 for commit. � Marking of Invocation stands verified



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For Closing an Account, following steps are to be taken: Step 1:

� Inquire following contents from ACCBAL:

For Components of Account Balance Inquiry Menu Option ACCBAL

� Go to the menu option ACCBAL and enter. The following screen will appear:

� Ensure that Effective Available Balance in the account. � In the above screen no balances in any components should be there e.g. Funds in

Clearing, Float Balance, Any type of TOD limit, Lien Amount and System Reserved Amount etc.

Closure of SB / Current Account



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Step 2: � Ensure some Other Inquiries as follows:

i. Account is not having any Standing Instructions. ii. No Bills has been lodged in the account iii. Account has not linked with any Loan Account for EMI payments.

Step 3:

� Modify the ATM / Debit Card Linkage:

For Modification of ATM / Debit Card Linkage Flag Menu Option ACM

� Go to the menu option ACM and enter. The following screen will appear:

� Function: M (Modify) and enter Account No. and Press F4 � In Option, enter ‘0’ (Zero) for modifying General Details. By pressing F6 go to the

next screen (2nd Screen). � In the field ‘Download to PBF’ the existing value is ‘Y’. Delete ‘Y’ and enter ‘N’ –No

then Press F4 for accepting General Details. � Finally, Press F10 for commit. � Verify above details first.

Step 4:

� Verify the modification in ATM / Debit Card Linkage:

For Verification of Modification of ATM / Debit Card Linkage Menu Option ACM

� Go to the menu option ACM and enter. The Account Maintenance screen will

appear � Function: V (Verify) and enter Account No. and Press F4 � In Option, enter ‘0’ (Zero) for modifying General Details. By pressing F6 go to the

next screen (2nd Screen). Verify details and Press F4 for accepting General Details.



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� Finally, Press F10 for commit. At this stage verification is over.

Step 5: � Destroy the Unused Cheque Books’ Leaves (If Cheque Book facility had

given to Customer):

For Destroying Unused Cheque Book Leaves Menu Option CHBM

� Go to the menu option CHBM and enter. The following screen will appear:

� Function: D (Destroy) and enter Account No. and Press F4 � Enter the Begin Cheque No. and No. of Leaves of existing Cheque Book Series.

Then Press F4. � The Current Status ‘UNUSED’ of every leaf coverts in New Status as

‘DESTROYED’ (as shown in above screen). � Finally, Press F10 for commit. � Verify above details first.

Step 6:

� Verify Destroying Unused Cheque Book Leaves

For Verification of Destroying Unused Cheque Book Leaves Menu Option CHBMAU

� Go to the menu option CHBMAU and enter. � Function: V (Verify). Enter Account No. / Begin Cheque No. and Press F4. � The screen as above will appear. � Finally, Press F10 for commit. At this stage verification is over.

Step 7:

� Calculate Account Closure Charges:



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For Calculation of Account Closure Charges Menu Option CACC

� Go to the menu option CACC and enter. The following screen will appear:

� Function: Z (Close) and enter Account No. and Press F4 � In the field Trial/ Actual, if you put ‘T’- Trial and Pressed F4, so you can view how

many charges will be towards account closure. And, if you put ‘A’-Actual and Pressed F4, so the system calculates the closure charges.

� Finally, Press F10 for commit. � Verify above details first.

Step 8:

� Verify Calculated Account Closure Charges:

For Verification of Calculated Account Closure Charges Menu Option CACC

� Go to the menu option CACC and enter. � Function: V (Verify). Enter Account No. and Press F4. � The screen as above will appear. � Finally, Press F10 for commit. At this stage verification is over.

Step 9:

� Closing an Account:

For Closing an Account Menu Option CAAC

� Go to the menu option CAAC and enter. The following screen will appear:



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� Function: Z (Close) and enter Account No. Then Press F4 � In the field ‘Run Int. Calc. Now?’ – enter ‘Y’ for Interest Calculation and Press F4.


� In the above screen enter closure remark and Press F4 � In Close Option enter ‘P’ for posting the closure transaction and Press F4. � Then Transaction Maintenance Screen will appear. � Function: A (Add) and Press F4 � Type/ Sub-type: C-NP or T-CI as case may be and Press F4 � Enter Closure Account No. and Press F11, then the account balance will appear. � Enter the whole amount of balance as payment. � Enter Instrument Type, Number and Date and Press F4 � Post the transaction (both debit and credit part-tran) and Press F10 for commit � The DC number appears on screen.



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� Now, Press F3 twice for quitting the TM screen. � You will appear on the ‘Close Option’ again of CAAC screen. � Now, Press F10 again for ‘Close the Account’. � Account stands closed at this stage.

Step 10:

� Verification of Closure of Account:

For Verification of Closure of Account Menu Option CAACAU

� Go to the menu option CAACAU and enter. � Function: Function: V (Verify) and enter Account No. Then Press F4 � The details screen of closure will appear. � Press F4 twice for accepting details � In close option the curser will blink. Now Press F10 for commit � At this stage the closure of account stands verified. � Then verify the DC No. of closure transaction through TM.



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For Closing Term Deposit Account Menu Option CAAC

� Go to the menu option CAAC and enter. The following screen will appear:

� Function: Z (Close) and enter Account No. Then Press F4 � After appearing above details again Press F4. Then following Screen will appear:

� Your curser will appear in Function: Z (Close). Now, Press F4 again. � Then following Screen will appear:

Closure of TD Account



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� Enter Repayment Account No., if given by customer else keep it blank. � Press F4 for accepting the details. Then following screen will appear:

+

� After appearing above screen Press F4. Your curser will appear in Close Option. Now Press F10 for commit.

� The account stands closed here. � Now do the closure transaction through TM.

For Verification of Closure of Term Deposit Account Menu Option CAACAU

� Go to the menu option CAACAU and enter. � Function: V (Verify) and enter Account No. Then Press F4 � After appearing the 1st Screen accept the details by Pressing F4. � Then Next Screen will appear.



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� Verify the entered Repayment Account No. as per given by customer and Press F4

accepting details. � Then Next Screen will appear. � After appearing above screen Press F4. Your curser will appear in Close Option.

Now Press F10 for commit. � The closure of account stands verified. � Now do the verification of closure transaction through TM.



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Menu Options in Finacle Version 7 Following are the menu options for Version 7 (Only Changes are enlisted herewith)

HACCBAL Balance details of an Account HACCDET General Details HACIMU CRV - Account Level Menu HACLHI Limit Details HACLHM Account Limit History Maintenance HACLI Transactions Inquiry HACM Customer Accounts Maintenance HACMLA Customer Accounts Maintenance HACMTD Customer Accounts Maintenance HACS Account Selection HACTI Account turnover details HACTODM Account TOD Maintenance HADVC Print DR/CR Advice to Customer HAITINQ Account Interest Details Inquiry HALM Account Lien Maintenance HASSET Asset classification HASTM Amount-slab Table Maintenance HBKQRY Bank Level Query Option HBKTM Bank Table Maintenance HBRTM Branch Table Maintenance HCAAC Close an Account HCAMC Change Account Manager of Customer HCASHDEP Cash Deposit HCASHWD Cash Withdrawal HCCA Change Customer Id of Account HCELI Collateral Entity Linkage Inquiry HCHBM Cheque book Maintenance HCLM Collateral Linkage Maintenance HCLZCM Clearing Zone Code Maintenance HCNCM Cross Currency Table Maintenance HCOLA Charge Off / Reversal of Loan Account HCRNPOS Position of Currency HCRT Create and Update Reversal Transaction HCRVMU Customer Relationship View- Main Menu HCSM Combined Statement Detail HCUACC Accounts of Customer HCUCA Current Account of Customer HCUCC Cash Credit of Customer HCUDET General details of Customer HCUIMU CRV - Customer Level Menu HCULA Loan Accounts of Customer HCUMAT Forthcoming Maturities of Customer HCUMM Customer Master HCUOD Overdraft Accounts of Customer HCUPSD Portfolio details of Customer

ANNEXURE



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HCUS Customer Selection HCUSB Savings Account of Customer HCUSEL Customer Selection HCUSUM Summary details of Customer HCUSWP Sweep details of Customer HCUTD Term Deposits of Customer HCUTI Turnover Summary of Customer HCYCM CYC Table Maintenance HDAM Deposit Accounts Maintenance HDCDET Delivery Channel transaction details HDDC DD Cancellation HDDD Issue of Duplicate DD HDDMI Mass Issue Entry HDDMP Mass Payment Entry HDDP Reports Parameters HDDREM DD Reminder HDDSM DD Status Maintenance HDTE Delete Transactions in Entered Status HFTI Financial Transactions Inquiry HGCHRG General Charges HHIM Hot Items Maintenance HICI Inward Cheques Inquiry HICTM Inward Clearing Transaction Maintenance HICZCM Inward Clearing Zone Template Maint HIGHTRAN DSA Report on High value Transaction HII Hot Items Inquiry HIM Hot Items Maintenance HINTCI Interest Table Code Inquiry HINTTI Interest Rate Details Inquiry HIOGLT Inquire on GL Transactions HIOT Inquire on Transactions HIVSM Interest Version Slab Maintenance HLADISB Loan Disbursement HLAFACR Loans Fee Assess and Collect and Refund HLAGI Loan Account General Inquiry HLAI Loan Inquiry HLAMATP Loan Payment Menu HLAMOD Loan Modelling HLANM Loan Account Notice Maintenance HLAOPI Loans Overdue Position Inquiry HLAPSP Loan Account Pass Sheet Print HLARA Loan Amendment and Rescheduling HLARSH Loans Repayment Schedule Report HLASPAY Loan Payment Menu HLAUPAY Loan Payment Menu HLAWFAI Loans Waiver of Fee and Interest HLNM Limit Node Maintenance HLVSM Loan Interest Version Slab Maintenance HM Help Maintenance HMARKPEN Mark Pending HOAACCA CA Account Opening



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HOAACCC CC Account Opening HOAACLA Loan Account Opening HOAACOD OD Account Opening HOAACSB SB Account Opening HOAACTD Open an TD Account HOAACVCA CA Account Opening Verify HOAACVCC CC Account Opening Verify HOAACVLA Loan Account Opening Verify HOAACVOD OD Account Opening Verify HOAACVSB SB Account Opening Verify HOAACVTD Open an TD Account HOCI Outward Cheques Inquiry HOCIP HOC Inquiry cum BA(R) Print HOCMU New Head Office (HOC) Functions Menu HODBCH Bill and Collection History Details HOIQ Outward Clearing Instrument Inquiry HOPQ Outward Clearing Ptran Inquiry HOS HO Schedules Print HOSUMF HO Summary in File HOSUMP HOC Summary Print HOTCE Over the Counter Transaction HPARTINQ Inquiry on Partitioned Account HPAYOFF Loan Pay Off Process HPBP Passbook Print HPDCZM Post Dated Cheque Zone Maintenance HPSP Pass Sheet Print HPTTM Part Tran Template Maintenance HRACO Recovery After Charge Off HRENHIST Renewal History of TD Account HRRCDM Reference Code Maintenance HRTGS Real Time Gross Settlement System HRTHQRY Rate list History Query HSCFM System Control File Maintenance HSSIM Standing Instruction Maintenance HSWEEPS Pool of Funds Maintenance HTD Term deposit transaction details HTDINT Term deposit interest details HTDSIP TDS Inquiry & Printing HTDSPROJ Projection of Customer Level Tax HTDTAX Term deposit tax deduction details HTFIN Customer Trade Finance Inquiry HTINQ Hot Items Lookup HTODCS TOD Criteria and Selection HTVSM TD Interest Version Slab Maintenance HUCS Update Cheque Status HUPM User Profile Maintenance HXFER Transfer Transaction OCLODGE Outward Clearing set lodge

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63858539-Finacle