finacle friendly_a handbook on cbs

Zonal Training Centre Dehradun [1]

ZONAL TRAINING CENTRE

36 TEG BAHADUE ROAD DEHRADUN

TEL % 0135&2670946] % 0135&2670946] % 0135&2670946] % 0135&2670946] FAX% 0135&2678007% 0135&2678007% 0135&2678007% 0135&2678007

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CCORE BANKING SOLUTION

(Updated 31.01.2015)


TABLE OF CONTENTS

S.No. PARTICULARS PAGE NO.

1. Nevigation key an introduction 4 2. Customer ID Creation Step by Step process 4 (i) Number of customer ID required for a customer 7 (ii) Risk Classification of the customer 11 3. Flow chart for opening of SF/CA accounts 12 (i) Small account product SBSML 13 (ii) Seeding of Aadhar number in accounts 16 4. Transfer of accounts across SOLs 18 5. Transfer of accounts between Schemes 18 6. List of accounts attached with Mobile / Pan Number 19 7. Handling KYC NON compliant accounts 20 8. Transfer of accounts to inoperative category 21 9. Depositor education and awareness fund scheme 2014 (DEAF) 21 10. Transfer of accounts from inoperative to operative category 23 11. Standing Instructions maintenance 24 12. Cheque Book Maintenance 28 13. Security forms inventory management in CBS system 30 14. Clearing Operations 30 15. Transaction maintenance 36 16. Cash payment Use of menu option TOKEN 39 17. Facilities available in intersol / base branch 40 18. Proxy Posting 40 (i) Reversal of proxy posted transactioin 41 19. Quoting of permanent account number (PAN) 42 20. Pay order Issue and Payment 42 21. Inland Bills 44 22. Term deposit account Flow chart to open 52 (i) Handling preferential interest on term deposit 55 (ii) Correction of preferential interest in term deposit 56 (iii) Auto generation of form 15G/15H 61 (iv) Print TDS Certificates 61 24. Locker module in CBS 64 (i) Partial Recovery of Locker Rent 67 (iii) Capturing signature of locker holder / authorised signatory 68 (ii) Reports in locker module 69 25. Loans and Advances 70 (i) Cash Credit / Overdraft accounts 71 (a) Attaching security with Loan accounts 73 (b) Help window for interest table code 77 (c) Handling subsidy linked through running account 80 (ii) Term Loan / Demand Loan accounts 81 (a) Opening loan a/c in transfer in mode 86 (b) Reversal of Transaction in TL/DL account 89 (c) CRMS Credit rating Management 91 (d) Back ended Principal subsidy loan accounts opening 93 (d) Subsidy related transactions 95


(iii) Maintenance of Term Loan/ Demand Loan accounts 102 (a) Generation of common reminders for all irregular accounts 109 (b) Recalled account maintenance 109 (c) TL where interest parked in office account handling thereof 109 (d) Correction of wrong interest demand effective date 111 (e) Entering group codes in loan accounts 113 (f) Loan module utilities and Wilful defaulters marking in CBS 121 (g) Recovery of overdue instalment from operative account 121 (h) Limit node maintenance 125 (i) Post Dated cheque Management 130 26. Guarantee Master Maintenance 132 (i) Use of SFMS in sending and receiving Bank guarantee 133 27. Inland letter of credit ILCs through SFMS 134 28. Non Fund details use of NFDET menu 136 29. Memopad maintenance and entry in CBS 139 30. FAMS Integration with CBS 142 31. Daily monitoring system 146 32. Expenditure Monitoring system 147 33. PAN Card business 150 34. Indicative List of CBS Menu option 152 35. NPA Management in CBS 177 (i) Maintenance of restructured accounts use of RSAM Menu 192 (ii) Charges handling in NPA Accounts 192 36. Important credit related reports 196 37. Frauds identification and marking in CBS 197 38. Bio-metric Login in CBS procedure 199 39. Direct Benefit Transfer LPG 204 40. Indicative List of Scheme codes in CBS 205 41. Trouble shooting - Day end activites 212 42. Alternate Delivery Channels 214 (i) ATM Card / Debit Card 214 (ii) Credit Card 223 (iii) Internet Banking - Retail 227 (iv) Internet Banking - Corporate 233 (v) Mobile Banking 237 (vi) SMS Codes for customer facility 244 (vii) Visually impaired customers 246 43. Cash Deposit Machine functionality 248 44. Self Service Passbook printing terminal functionality 252 45. MIS codes in Loan accounts V detail 253 46. Report Generation in CBS Indicative list of menu options 274 47. NEFT and RTGS 279


NAVIGATION KEY AN INTRODUCTION For the purpose of navigation the important function keys are as under-

PHYSICAL KEY

DESCRIPTION

PHYSICAL KEY

DESCRIPTION

F1 Field Level Help DOWN Next Record F2 List UP Previous Record F3 Quit CTRL+D Page Down on a List F4 Accept CTRL+ E Explode F5 Back Ground menu CTRL+F Clear Field F6 Next Block (page) CTRL+U Page up on a List F9 View Signatures (F4 & F3 to

Close)

F10 Commit SHIFT+F4 Select the current item from the list F11 Next Field/Next Page on same

Screen SHIFT+F11 Transmit (Background Menu)

F12 Previous Block (previous page) SHIFT+TAB Go to the Previous Field TAB Go to the Next field ENTER Go to the Next Field

Most of the function keys are also available on the last line of first page which can be used with mouse . CUSTOMER ID CREATION STEP BY STEP PROCESS CCCCCCUSTOMER ID OF CUSTOMER ID EP BSTEP GUIE CUSTOMER ID CREATION STEP BY STEP PROCESS STEP DESCRIPTION

1 Invoke CUMM menu

2 Enter A in function block and F4

3 Customer Title F2 and SHIFT + F4 required code and

4 Name Enter the Full name of the Customer and

5 Short name Enter Short Name and . Go to Gender field by

6 Gender Enter the required value and . Go to Staff field by

7 Staff Enter N and . If staff, enter Y then for Staff No enter Employee PF

No. or simply "Staff" and

8 Minor Enter N and

9 Non-Resident Enter N and

10 Trade Finance Customer Enter N and

11 Marital Status Enter appropriate Value and

12 Introducer Details Title F2 and SHIFT +F4 appropriate value and

13 Name Enter the name of the Introducer and

14 Introducer Status F2 and SHIFT + F4 appropriate value and

15 Frequency of Statement (Please skip this) Press F6

16 Address Type Enter C and .

17 Communication Address Enter the full address of the customer in two fields and

18 City Code F2 and SHIFT + F4 appropriate city code and 19 State F2 and SHIFT + F4 appropriate State code and


20 Postal Code Enter the PIN code of the city and

21 Country F2 and SHIFT + F4 appropriate Country code and For India IN

22 Phone Number Enter the telephone number and and go to Next Address

23 Repeat steps 17 to 22 and for Next Address You can also fill up

permanent address & Employer address

24 Repeat steps 17 to 22 and and go to field Combined Statement

25 If Customer wants Combined Statement Enter Y (This will enable to print a combined

statement for all types of accounts for this customer.) press and go to

field Tax Slab

26 Tax Slab Enter TDSGE and and and go to field Purge

Allowed

27 Purge Allowed Enter N and and go to field Allow Sweeps

28 Allow Sweeps Enter N and and F4 For Sweep type account Y

29 The cursor will be at the Option Block. Here at option block enter E and F4

30 Enter INR and EXPLODE

31 Enter 0.00 and F4 and F4 and

32 The cursor will be again at the Option Block. Here at Option block enter # and press F4 twice. Fill here, State code, District Code, Sub district/Tehsil code and village code by taking help from F2. Also fill up details of KYC Documents and SBSML code which is shifted from 7th page of CUMM to # details(refer details below)

34 Press now F4 and F10. Note down the customer ID.

Capturing of KYC details:

To handle the revised KYC guidelines and to facilitate F2 (help) facility, functionality to capture KYC

data has been shifted to CUMM (#) sub option. (Branches are already using CUMM # sub option to

capture village details of the customer). The existing data filled in CUMM (G) details 7th page earlier

has been migrated to respective data fields in CUMM (#) sub option.

Process guidelines to capture KYC data is as under:

a) Menu option CUMM

b) Option - M- to modify and A- Add

c) In sub option check box: branch user has to enter # and press F4 twice.

d) After entering the mandatory details, branch user has to enter Y in Cont.(Y/N) field to save the

details or vice versa and complete the existing process of CUMM menu option.

Important Note:

i) F2 (Help) functionality has been provided. Now branch user can use F2 button to select appropriate value related to KYC details. ii) Either of the Husband/father name can be captured as per customer request. iii) SBSML code is to be filled in case of Small accounts deposit product only iv) In case Identity Proof is PAN card (PANCD), system will not populate the same at CUMM G 4th page in PAN/GIR field but system will validate the entered PAN no. at Identification no. field in


# option with the PAN no. entered in PAN/GIR field at CUMM G 4th page. Hence, user has to enter the same PAN no. in both the fields. v) The detailed list of document codes and related document type are mentioned in Annexure A. Handling of KYC in Small Accounts: Continuation to the ITD/CBS/Circular No. 23/2013 dated 15-04-2013, the validations on KYC compliant documents with respect to SBSML codes have also been accordingly customized in CUMM (#) sub option. The details of the same are mentioned are as under: a. Small accounts can only be opened under scheme code SBSML if valid values are entered in SBSML code in CUMM (#). b. Valid SBSML Codes are: i) 000 - customer opens account by giving self-attested photograph and complete account opening form along with self-declaration. ii) 001 - Applied for ID Proof iii) 002 - Applied for Address proof iv) 888 - Applied for both Identity & address proof v) 003 - Submits Identity proof vi) 004 - Submits address proof vii) 999 - Submits both & address proof c. Applicable documents for above mentioned SBSML codes are mentioned in Annexure- B. Branches are advised to enter valid codes in KYC fields along with Small a/c codes. ALLOTMENT OF UNIQUE CUSTOMER IDENTIFICATION CODE [UCIC] FOR BANKS CUSTOMERS 1) Existing Cust ID of a customer for opening his / her account is to be used and not to create a fresh Cust ID for an exisisting customer. 2) Menu options CRV / MOPACINQ may be used, as a tool, to ascertain the existing Cust-ID of the customer and menu option CCA may be used for clubbing multiple Cust-IDs of an existing customer. 3) In order to check multiple Cust-IDs of a customer, necessary changes is made in CBS system that as and when branch user enters Aadhaar Number / PAN Number / Mobile Number / Passport Number of the proposed customer for creating a new Cust- ID at the time of opening an account , system will display a list of existing Cust-IDs on the screen of the computer, if Cust-ID is already been created with the same Aadhaar Number / PAN Number / Mobile Number / Passport Number and branches were advised to use the existing Cust-ID only. Ensure: To use the Cust ID of an existing customer for opening his / her new account . i) CRV / MOPACINQ menu options may be used as a tool to ascertain the existing Cust ID of a customer. ii) Wherever fresh cust ID is required to be created, it must be created in a prescribed manner. iii) To generate report on Multiple Cust IDs of a customer based on PAN No and take corrective action. iv) To ensure that correct PAN No is fed in the system at appropriate place and take corrective steps, wherever required. CREATION OF CUST ID FOR OPENING OF ACCOUNT

Applicable for all type of customers:

i. All other details/relevant fields in CBS system to be filled in ii. PAN number be recorded in the field PAN/GIR No. under Customer Tax Details in CUMM iii. Selection of proper customer wise code for TDS


iv. The branches will not suspend valid customer IDs (belongs to trustee authorized/ partners authorized/joint account holder customer ID/ Proprietor) belongs to S. No. 2,5,6,7,8 till accounts are in open state.

CREATION OF CUSTOMER ID NUMBER OF CUSTOMER ID FOR SINGLE ACCOUNT: S.No. Type of customer Guidelines for maintaining CUST ID 1 Individual One Cust ID for each individual 2 Joint a/c of

individuals i) Cust. ID to be created separately for each individual if not an existing customer ii) At the time of a/c opening CUST IDs are to be entered in related party details to open joint account (A-details)

3 Minor Create cust ID for minor only 4 HUF Create Cust ID for Karta only 5 Sole-Proprietor i) Create Cust ID for sole-prop. Firm

ii) Create Cust ID for proprietor and entered in A-detail. iii) The details of proprietor is to be entered in related party details i.e. A-Detail. Details of authorized person/POA (If any) to be entered in A-detail only and need not to create a separate Cust ID.

6 Partnership firm i) Create Cust ID of Partnership Firm ii) Create Cust ID of all the partners authorized to operate the account and entered all the information in A-details iii) The details of authorized person/POA (If any) to be entered in A-detail only and need not to create a separate Cust ID.

7 Trust i) Create Cust ID of Trust ii) Create Cust ID of trustee authorized to operate the account and entered all the information in A-details iii) If any person other than trustee is authorized to operate the account, the details of authorized person/POA (If any) to be entered in A-detail only and need not to create a separate Cust ID.

8 Company i) Create Cust ID of the Company ii) Create Cust ID of authorized persons to operate the account and entered all the information in A-details iii) The details of POA (If any) to be entered in A-detail only and need not to create a separate Cust ID.

VALIDATIONS/CHECKS CUSTOMIZED:

Apart from above modifications, few logical checks & validations have been put in place in CUMM to ease operations in CUMM and capturing of qualitative data. The details of the same as under: S. No. Data Field Validations 1. Customer Name/

Short Name System will not accept any special character in Customer name/ short name field.

2. Minor Cust. Details: Postal Code

Check incorporated to accept only 6 digit postal numeric code incase country code is 'IN'

3. Postal Code in Communication/ Permanent Address

Check incorporated to accept only 6 digit postal numeric code incase country code is 'IN' In case country code other than IN INDIA and customer NRE flag as Y, system will allow to enter ALPHA / ALPHA NUMERIC PIN CODE. Help for entering valid PIN CODE After entry of city code and state code, press F2 button and then system displays list of valid PIN codes available in CBS for the combination of entered city & state code. In case non availability user should enter pin code as provided by customer.


ENTRY OF BENEFICIAL OWNER DETAILS P DETAILS As per HO KYC cell capturing of Beneficial Owners details are required, hence necessary check has been put in place in CUMM to enter said details using sub-option P in CUMM menu option. Following two codes are created in CBS:

a. 026 in case of Beneficial Owner b. 027- in case there is no Beneficial Owner

Note: At least one record with 026 or 027 code should be entered otherwise system will not allow new account opening using the customer ID. Capturing of details of Beneficial Owners is mandatory for following constitution codes: Code Description Code Description 003 Co-op society 018 Micro finance institutions 004 Association 019 NBFC 005 Recreational club 020 NBFC-IFC 006 Trusts 021 NBFC-NDSI 007 Pvt. LTd. Company 022 PSU 008 Public Ltd. Company 024 Foreign Sovereign 012 Registered Society 025 Foreign PSE 013 Banking Company 026 AFC Asset Finance Company 016 Self help group 028 CCP- Corporate 017 Joint Liability Group 029 LLP-Limited Liability Partnership Ensure that Beneficial Owner(s) is identified invariably in all above category of accounts (ie. Pvt. Ltd. Co. / Partnership firm / Unincorporated association or body of individuals / Clubs / Societies / Trust) and Cust ID of the Beneficial Owner(s) is entered in menu option CUMM ( P ) details of the above said accounts with relation code as 026. ANNEXURE-A

List of Valid KYC Documents for accounts of Individuals (Except SBSML accounts):

Valid Identity proof documents:

Codes Document Description CRCRD PHOTO CREDIT CARD WITH STATEMENT

DRVG DRIVING LICENSE

ESIC EMPLOYEE STATE INSURANCE CARD WITH PHOTOGRAPH

FFPAS FREEDOM FIGHTER PASS ISSUED BY MINISTRY OF HOME AFFAIRS, GOVT. OF INDIA WITH PHOTOGRAPH

IDCRD IDENTITY CARD ISSUED BY RECOGNISED AUTHORITIES

LOCAL LOCAL GOVT. AUTHORITY

MRDWM MARRIED WOMEN IDENTITY PROOF (SUPPORTED BY MARRIAGE CERTIFICATE)

NREGA NREGA JOB CARD

PAIDT LETTER FROM A RECOGNIZED PUBLIC AUTHORITY OR PUBLIC SERVANT VERIFYING THE IDENTITY AND RESIDENCE OF THE CUSTOMER TO THE SATISFACTION OF BANK

PANCD PAN CARD

PROPD REGISTERED PROPERTY DOCUMENTS WITH PHOTO

PSPRT PASSPORT

UIDAI AADHAR CARD


VOTER VOTER ID CARD

Valid address proof documents:

Codes Document Description

BNKST BANK ACCOUNT STATEMENT

CRCRD CREDIT CARD WITH STATEMENT

DEED COPIES OF REGISTERED LEASE AND LICENSE AGREEMENT/SALE DEED/LEASE AGREEMENT

DOMCL DOMICILE CERTIFICATE WITH COMMUNICATION ADDRESS AND PHOTOGRAPH

DVORC COURT DIVORCE ORDER. MARRIAGE ANNULMENT ORDER ISSUED BY COURT

ELBIL ELECTRICITY BILL

EMPLT LETTER FROM EMPLOYER

GASCD CONSUMER GAS CONNECTION CARD/BOOK/PIPE GAS BILL

GZPSU OFFICIALS OF CENTRAL/STATE GOVERNMENTS AND PUBLIC SECTOR UNDERTAKINGS, WHO ARE LOW RISK CUSTOMERS FOR BANK

HOSTL CERTIFICATE ISSUED BY HOSTEL WARDEN/PRINCIPAL/DEAN OF STUDENT COLLEGE

ITWAO INCOME/ WEALTH TAX ASSESMENT ORDER

POPBP POST OFFICE SAVINGS PASS BOOK

PPO PENSION PAYMENT ORDER

PSLTT LETTER FROM PUBLIC AUTHORITY

PSOTH LETTER FROM ANY RECOGNISED PUBLIC AUTHORITY HAVING PROPER AND VERIFIABLE RECORD OF ISSUANCE OF SUCH CERTIFICATE

PSUEM LETTER FROM PUBLIC SECTOR EMPLOYER

RCARD RATION CARD

RLTVE STUDENTs RESIDING WITH RELATIVES, ADDRESS PROOF OF RELATIVES, ALONG WITH THEIR IDENTITY PROOF

RNTAG A RENT AGREEMENT INDICATING THE ADDRESS OF THE CUSTOMER DULY REGISTERED WITH STATE GOVERNMENT OR SIMILAR REGISTRATION AUTHORITY

TLBIL TELEPHONE BILL

TLMBL TELEPHONE BILLS FROM ANY TSPs AND MSP NOT MORE THAN 2 MONTHS OLD, POSTPAID.

UIDAI

THE LETTER ISSUED BY UIDAI CONTAINING DETAILS OF NAME, ADDRESS AND AADHAAR NUMBER. IN CASE THE ADDRESS PROVIDED BY THE ACCOUNT IS THE SAME AS THAT OF AADHAAR LETTER

VLGHD CERTIFICATE BY VILLAGE EXTENSION OFFICER (VEO) / VILLAGE HEAD OR EQUAL OR HIGHER RANK OFFICER

VOTER VOTER ID CARD

WRDCR CERTIFICATE FROM WARD/EQUIVALENT RANK OFFICER, MAINTAINING ELECTION ROLL CERTIFYING ADDRESS OF THE APPLICANT

ANNEXURE B Valid documents for applicable SBSML codes are as under:

SBSML Code

ID proof Documents/ID proof Field Address Proof Documents/ Address Proof Field

000 Blank (Not to be filled) Blank (Not to be filled)

001 AARMLC APPL. FOR ARMED LICENSE ISSUED BY GOVT.

Blank (Not to be filled)


ADRVG APPL. FOR DRIVING LICENSE

AMRDWM APPL. FOR

MARRIED WOMEN IDENTITY PROOF

ANREGA APPL. FOR NREGA JOB CARD

APANCD APPL. FOR PAN CARD

APSPRT APPL. FOR PASSPORT

ARMLC ARMED LICENSE ISSUED BY GOVT.

AUIDAI APPL. FOR AADHAR CARD

AVOTER APPL. FOR VOTER ID CARD

002 Blank (Not to be filled) ADOMCL APPL. FOR DOMICILE CERTIFICATE WITH ADDRESS AND PHOTOGRAPH

AELBIL APPL. FOR ELECTRICITY BILL AGASCD APPL. FOR CONSUMER GAS

CONNECTION CARD/BOOK/PIPE GAS BILL

ARCARD APPL. FOR RATION CARD ATLBIL APPL. FOR TELEPHONE BILL AVOTER APPL. FOR VOTER ID CARD

003 Any of the valid ID proof code mentioned in

Annexure A Blank (Not to be filled)

004 Blank (Not to be filled) Any of the valid address proof code mentioned in Annexure A

888 Any of the valid ID proof code mentioned for SBSML code 001 above.

Any of the valid ID proof code mentioned for SBSML code 002 above.

999 Any of the valid ID proof code mentioned in Annexure A

Any of the valid address proof code mentioned in Annexure A

CAPTURE AREA CODE DETAILS OF THE CUSTOMERS Ministry Of Finance (MoF), India has mandated the Banks to provide functionality in CBS to capture the village/ town code (as per Census Code) details as part of capturing the customer details. The village/town code details which need to be incorporated consists of a combination of State Code, District Code, Taluk/Sub-district code and Town/Village code codes provided by RBI/Census data are incorporated in CBS to comply with this directive. This code will be a 16 character/digit format comprising of State Code(2) + District Code(3) + Sub District Code(5) + Town/Village Code (6) USER GUIDE

1. Branch user has to invoke menu option CUMM. 2. In CUMM, Branch user has to enter the function code as per requirement and then press F4.


A- To Add M- To modify

3. To capture village/town code details, an additional custom tab is proposed (# - details). Branch user has to enter # in Enter option Field. Screenshot for reference is attached.

4. Branch user has to select following codes, by pressing F2 button - State - District - Sub District - Town/village

5. After entering the same, branch user has to press F4 mandatory to exit from this additional details form.

6. Then continue with the normal process of CUMM menu option. 7. As per maker checker concept, another branch user has to verify the same. 8. The state code and other codes in this form will be given as per details captured in the address field

which is meant for communication purpose. While entering the address if the use has chosen P or E i.e. permanent address or employer address as mandatory which will be printed in the passbook, the village/town code should be selected according to this mandatory address.

VVEERRIIFFIICCAATTIIOONN OOFF CCUUSSTTOOMMEERR MMAASSTTEERR CCRREEAATTIIOONN

MENU OPTION -- "CUMM - V"

Check all the relevant details from AOF and verify it. SUSPENSION OF CUSTOMER WITHOUT ANY ACCOUNT NUMBER Can be handled in two ways : 1) Invoke menu option CUMM use option D for suspension of Customer ID and use option U to unsuspend the Customer ID. 2) System will not allow suspending the customer ID using CUMM or CUMMSUSP menu option, if there is an active account/locker existing in the system. Further, customer IDs created for opening of Joint Account cannot be suspended till Joint account exists (Active) in the system. 3) Invoke menu option CUMMSUSP There is facility of single customer ID suspension as well as Bulk Customer ID Suspension SINGLE CUSTOMER ID Enter S in the field then press F4, Give customer ID and continue flag Y. On pressing F4 system will suspend the customer ID. BULK CUSTOMER ID Branch to prepare a text file with list of Customer IDs which are required to be suspend Enter B in the field then press F4 give file name in Capital letters e.g. UPLOAD.TXT Continue Y. On pressing F4 system will suspend all customer IDs of the text file. CAUTION i) CUMMSUSP menu to be used only for customer IDs which have no account in system. ii) Customer IDs suspended through this menu cannot be unsuspended even using CUMM. iii) Customer IDs for Locker customer cannot be suspended through this menu. iv) No verification required for this activity and can be used by GU work class of 030. RISK CLASSIFICATION OF THE CUSTOMER AND UPDATION OF CUSTOMER IDENTIFICATION INFORMATION / DATA : Risk Categorization of Customers in which they have informed that RISK category field in CUMM is not required to be filled by the branches at the time of creating fresh/Modification of Cust-ID. It should be automatically populated by the system based on profession / activity codes. Profession / activity codes in the field profession / activity in # detail of customer master (CUMM) has been created by Data centre .


User has to select appropriate activity code from help key (F2) and system will automatically populate the risk category based upon the selection of Profession /Activity codes. With regard to updation of Customer Identification Information/Data and review of Risk Categorization necessary customization has been done in the system. The detail procedure to be followed by branches is given below: a) Reports for generating pending records needs to be updated: b) The following two reports has been customized in the system to know the pending records due for necessary updation which can be available through menu option: PNBRPT- 9/143a & b c) 9/143a: Report for Cust Id due for Updation for Low Risk Category Customers. d) 9/143b. Report for Cust Id due for Updation for Medium and High Risk category Customers. Branches may generate the above two reports and follow-up with customers for obtaining fresh documents and enter the date of updation of KYC data submitted by customer in # details of CUMM. RISK CATEGORY CHANGE UPLOADING Bulk option to enter or modify the risk category of customers based on his/her profession without using CUMM menu option, a new menu option RISKUPL has been customized in CBS. Process to use the said customized menu option is as under: Menu option: RISKUPL Said menu option will change the risk category of the customer IDs based on the entered business nature code and same can be checked using CUMI/CUMM menu option # Details. Steps to use the same are as under:

a. A text file to be created with following data: - Customer ID - Business Nature Codes

(Data should be | separated i.e AXF003310| UNUSL b. File name should in capital letter including file extension like RISK.TXT c. File should be saved in C:\upload directory d. Execute menu option RISKUPL. Enter File name and press F4. e. Use PR menu option for success/failure reports.

(Verification process is inbuilt)

FFLLOOWW CCHHAARRTT FFOORR OOPPEENNIINNGG OOFF SSFF//CCAA AACCCCOOUUNNTT

STEP OPENING OF SF/CA - STEP BY STEP PROCESS 1 Write OAAC at menu option and press enter 2 At Customer ID field type Customer ID for which a/c will be opened, press TAB 3 At Scheme Code type "SBGEN" or "CAGEN" or "SBSAL" and Press F4 4 Mode of Operation : Press F2 and select appropriate one by Shift+F4, press TAB 5 Location Code : Press F2 and select appropriate one by Shift+F4, then press F6 6 Pass Book/ Statement : Enter "P" for pass book or "S" for stt. of a/c and press TAB 7 If statement of a/c is chosen, enter frequency of statement as :

M in first field and in 4th Filed any number between 1 to 31 and in the 5th field "N" and then press , at Despatch Mode : enter "C" (You may select appropriate despatch mode by pressing F1)

8 Interest Cr A/c : Enter "S" and Interest Dr A/c Flag : Enter "S", press F6 for next page 9 At this page enter contact phone no. if any, then press F4 10 The cursor will be at option : Change G to "S" for scheme details and press F4 11 If nomination is to be regd. go to "Availing Nomination Facility?" and change it to "Y" and


then press F4. If no cheque book is to be allowed for some reason, at the field "cheque book allowed?" change Y to N.

12 Change the Option "S" to "N" and press F4 13 Nominee Name : Type Name of the Nominee, then address etc. and then press F4 14 If it is a joint a/c or an a/c of a firm/society/club then change the option to "A" and press

F4 to allow you to enter the joint a/c holder's name or authorised signatory's name etc. If the joint holder or authorised signatory has some customer id, mention the same and press transmit key the name and address will automatically appear. In the absence of customer id you have to skip customer id field and enter name and address.

15 Press down arrow key to enter the 2nd and subsequent names, then press F4 finally. 16 Now at the option block press F10, the account number will be displayed.

FOR--Passbook/Statement Valid values are P-Passbook, S-Statement, R-Deposit Receipt, B-Both P & S, N-None. Statement If previous field is set to S (Statement), frequency for statement must be entered. There are five fields in statement. Field 1: DDaily, WWeekly, MMonthly, FFortnightly, QQuarterly, HHalf yearly, Y Yearly

Field 2: 1-First, 2-Second, 3-Third, 4-Fourth week, M-Mid week, LLast Week

Field 3: 1-Sunday, 2- Monday 7- Saturday & 8 - No weekly off

Field 4: Date of issue - 1 to 31

Field 5: For Holiday N Next, P Previous, S Skip

Fields 2 & 3 are not required if frequency (field 1) is monthly, quarterly, half yearly and yearly

Fields 2 ,3 & 4 are not required if frequency (field 1) is daily and fortnightly Fields 2 & 4 are not required if frequency (field 1) is weekly

VVEERRIIFFIICCAATTIIOONN OOFF AACCCCOOUUNNTT OOPPEENNIINNGG MENU OPTION -- "OAACAU" STEP

S PARTICULARS

1 At function Block type "V" and press and enter the A/c No. to be verified, then press F4

2 Press F11 to visit next pages and at the 3rd page Press F4 3 Change the option to "S" and Press F4, see the values entered and again press F4 4 Change the option to "N" and Press F4, see the values entered and again press F4 5 Change option to "A" (for joint a/c or partnership etc. a/c only) and Press F4, see the values

entered and again press F4 6 Press F10 finally. If the system displays any warning / exception, accept them by pressing

F4. The a/c is verified. Press F3 to come back to main menu

SMALL ACCOUNT PRODUCT OPENING OF ACCOUNT SCHEME SBSML Find below the details of the functionalities introduced in CBS

1. In CUMM: # Details Case SBSML CODE Remarks If customer opens account by giving self attested photograph and complete account opening form in the branch.

000 Branch user has to capture the said code in Free text field 10. Account will remain active for 12 months only.

The full 16 digits of an a/c number need not be remembered . Whenever this account is to be accessed, simply enter the scheme code and last 4/5 digits , system will automatically expand it to 16 digits. This facility is provided only when the customers accounts of same own branch are accessed. All 16 digits in account no must entered while accessing customers of other branches.


If customer opens account under small account scheme and also submits documentary proof that he/she applied for valid KYC document.

If customer applied for ID proof: 001 If customer applied for Address Proof: 002 If customer applied for both ID proof and Address Proof : 888

Account will remain active for 24 months only. Also, branch user has to enter:

1. Valid value in ID proof field for code 001.

2. Valid value in Add. Proof field for code 002.

3. Valid values in both fields ID proof and address proof for code 888.

4. Identification details field is also be filled. e.g. Applied voter card

If customer opens account under small account scheme and also submits valid KYC document.

If customer submits ID proof: 003 If customer submits Address Proof: 004 If customer submits both ID proof and Address Proof : 999

Branch user has to enter: 1. Valid value in ID proof field for

code 003. 2. Valid value in Add. Proof field

for code 004. 3. Valid values in both fields ID

proof and address proof for code 999.

4. Identification details field is also be filled as per extant guidelines.

Note: If customer full fills KYC requirements, branch is advised to open account in normal saving scheme. If existing small account holder full fills KYC norms, account should be transferred to normal saving product using ACXFRSC menu option. System will not allow to complete the ABH without transferring such accounts.

2. ACCOUNT OPENING:

A new scheme code SBSML has been introduced for opening of customer account under Small Account

Deposit Product. Branches are advised to use menu option OOAC and OAACAU for the account opening.

3. Transaction Maintenance TM: As per product features, following checks has been implemented in TM menu option in the system:

1. The aggregate of all credits in a Financial Year does not exceed rupees one lakh

System will not allow to credit the customer account under SBSML, if aggregate of all credits reaches value of Rs. 1, 00,000/- within the financial year.

2. The aggregate of all withdrawals and transfers in a month does not exceed rupees ten thousand; and

System will not allow to debit the customer account under SBSML, if aggregate of all withdrawals and transfers in a month reaches value of Rs. 10,000 in a month.

3. The balance at any point of time does not exceed rupees fifty thousand.

System will not allow to credit the customer account under SBSML, if aggregate of all credits reaches value of


Rs. 50,000/- at any point of time. System will allow to credit only if account balance in the account is less than Rs. 50,000/.

4. Issuance of ATM cards and Cheque book: As per FI Division circular, no cheque book and ATM card should be provided till the account becomes full KYC compliant. Necessary check has been put in the system to restrict issuance of cheque book and ATM card in SBSML scheme. As already mentioned that if customer account under SBSML scheme becomes FULL KYC, said account is to be transferred to normal saving product scheme, then branch user can issue cheque book and ATM cards as per extant banking guidelines related to that saving product.

WORK FLOW FOR ACCOUNT OPENING (ACOPN)

Account opening process as mentioned above involves creation of customer master (for new customers using the option CUMM) followed by account opening (using OAAC menu option). Instead of using CUMM and OAAC separately, a workflow ACOPN can be invoked. ACOPN is a combination of the two menus. The workflow involves the following steps:- On invoking the menu ACOPN, the user(CTO) shall enter the cust-id (for existing customers) or type

New (for new customers) in the customer id field. Enter the authorised official's User-Id in the authorizer id field and F4 If the customer is new, the system brings up a parameter acceptance screen for capturing the

mandatory fields of customer master like customer details, introducer details, communication address, minor details, NRI details, staff details, TDS table etc.

Fill the relevant details and press F4. After all mandatory fields are entered, the system takes to another parameter acceptance screen for

capturing account-opening details. On the other hand if the customer is an existing customer (i.e Cust Id available) system directly takes to account opening screen.

In account opening screen, enter the scheme code in which a/c is to be opened and then press F4. Enter the transaction amount, mode of payment, debit a/c number (in case the a/c is opened by

transfer of funds from some other a/c of the customer) and press F4. In this screen, specify the mode of operation, Cheque allowed (by default Y) and account preferential

(Cr/Dr) and press F4. The system creates customer master, opens account, puts transaction to the account and displays the

Cust-Id, account number, Tran-Id and Work Flow Id and queues the workflow for the authorised official (authorizer id) for verification.

Note the Cust-Id, a/c number, Tran-Id and the workflow id on the AOF and pass on the AOF to the authorised official for verification.

The authorised official for whom the workflow has been queued shall invoke menu option DSPWFQ to display the pending workflows. The menu will display the list of workflows in queue.

The authorised official shall explode (Ctrl+E) on the Workflow Id. If the customer is new, the system will display the customer master screen. The authorised official shall then visit each page of the screen (including E details) like normal customer master verification.

At the option block, commit. On committing the system displays the account verification screen. The authorised official shall verify account opening like normal account verification.

Alternatively, the official can verify customer master creation through CUMM option and account opening through OAACAU option.

The authorised official shall then verify the transaction through TM option.

IMPORTANT

IT IS NOT POSSIBLE TO CAPTURE NOMINATION DETAILS, JOINT HOLDER, AUTHORIZED PERSON, POWER OF ATTORNEY ETC THROUGH ACOPN. THE USER SHALL CAPTURE THESE DETAILS BY MODIFYING CUSTOMER A/C THROUGH ACM OPTION AND THEN GET IT VERIFIED FROM THE AUTHORISED OFFICIAL.


SEEDING AADHAR NUMBER - NEW FUNCTIONALITIES IN UIDNUM MENU OPTION Keeping in view the recent guidelines related to Aadhaar payment bridge system (APBS), DBT and to

streamline the process of linking of Aadhaar number with primary account number, following new

functionalities has been added in the menu option UIDNUM:

Now, branch user can capture details of the Aadhaar based as well as non Aadhaar base beneficiaries along with scheme code. Branch user to use following options A : Add D : Delete M : Modify V : Verify I : Inquiry

1. A: Add functionality is to add new mapping in the CBS. Branch user has to enter all the mandatory

details and same is to be verified by another branch user.

User has to enter/ capture following information:

- Aadhaar/Non Aadhaar ( If A put Aadhar No., If N Fill other details)

- Customer ID

- Aadhaar Number

- Primary Account number (user can only add the account number linked to the entered

customer ID only)

- Scheme code: (Said field is non mandatory): Branch user can select upto 5 different

schemes by pressing F2 button for a particular beneficiary. (List of scheme codes is given

below)

- Add (Y/N)- Y to continue otherwise N

2. V: Verify: Now, in UIDNUM, maker- checker concept has been introduced. Branches are required

to verify using V function of the UIDNUM menu option.

3. M: Modify: This function is to be used when customer requests to change his/her account number.

For the same branch user has to use M function and change the account number (account number

should belong to the entered customer ID) and same is to be verified by another branch user.

4. D: Delete: This function can be used for following two cases:

- Customer ID changes: If customer request to change the customer ID. Then branch user has

to use the said function and delete the existing entry. After deletion, branch user has to use A:

Add function to add new entry.

- Aadhaar number change: If branch observed any mismatch in the Aadhaar number or

observed that Aadhaar number entered wrongly. Then Branch user has to use the said function

(D: Delete) to delete the existing entry. After deletion, branch user has to use A: Add function

to add new entry with correct Aadhaar number.

- Customer wants to enter Aadhaar number: If customers data is already captured as Non

Aadhaar based customer and now customer requests to enter the Aadhaar number. Then

Branch user has to use the said function (D: Delete) to delete the existing entry. After deletion,

branch user has to use A: Add function to add new entry with Aadhaar number.

Branches are advised to use D option judiciously.

I- Inquiry function can be used by the user to inquire the entered Aadhaar number, customer ID

and linked account number.

Note: Inquiry can be done by entering customer ID or Aadhaar number. C for customer ID based inquiry A for Aadhaar number based inquiry Following type of accounts cannot be linked using UIDNUM as well as UIDUPL menu options:

1. Closed accounts

2. Inoperative accounts

3. Accounts of scheme other than saving and Current account.

4. Account with Credit or Total freeze


5. LIST OF SCHEME CODES TO BE ENTERED IN UIDNUM AADHAR ENABLED A/C

Linking of Aadhaar number with primary account number should be done using menu options UIDNUM or UIDUPL- for bulk upload only.

Sr. No

Ministry/Department Name of the Scheme Code

1 M/o Social Justice & Empowerment

Post Matric Scholarship for SC Students. C00001

Pre-Matric Scholarship for SC Students. C00002

Pre-Matric Scholarship for Children of those engaged in unclean occupations.

C00003

Up gradation of merit of SC Students. C00004

Post Matric Scholarship for OBCs. C00005

Top Class Education Scheme. C00006

Rajiv Gandhi National Fellowship C00007

2 M/o Human Resources Development, D/o Higher Education

Scholarship to Universities/College Students. C00008

Fellowship Schemes of UGC. C00009

Fellowship Schemes of AICTE. C00010

3 M/o Human Resources Development, D/o School Education & Literacy

National Means cum Merit Scholarship. C00011

National Scheme for Incentive for the girl child for secondary education. C00012

4 M/o Tribal Affairs Post Matric Scholarship Scheme. C00013

Top Class Education System. C00014

Rajiv Gandhi National Fellowship. C00015

5 M/o Minority Affairs Matric Scholarship Scheme. C00016

Maulana Azad National Fellowship. C00017

Merit cum Means Scholarship Scheme. C00018

6 M/o Women and Child Development

Indira Gandhi Matritva Sahyog Yojana (IGMSY). C00019

Dhanalakshmi Scheme. C00020

7 M/o Health & Family Welfare

Janani Suraksha Yojana. C00021

8 M/o Labour and Employment

Scholarship to the Children of beedi workers. C00022

Housing subsidy to beedi workers. C00023

Stipend to children in the special schools under the Child Labour Project. C00024

Stipend to trainees- Welfare of SC/ST through Coaching cum Guidance & Vocational Training C00025

Stipend to trainees in LWE districts MGNREGS Scheme

C00026 C00028

9 M/o Petroleum Subsidy of LPG C00027


TRANSFER OF ACCOUNTS ACROSS SOLS - MENU OPTION -- ACXFRSOL

A customers account, belonging to SB/CA/CC and OD scheme types, is allowed for transfer across Sol. The account number will remain unchanged for the transferred account. Customers will be able to use the same account for their ECS (electronic clearing services), standing

instructions and chequebook purposes. While entering the account number in any of the menu option full 16 digit account number is required

to be entered. As part of the transfer, all the account related standing instructions, FFDs, linked sweeps/Liens will get

carried over. If the subject account is referred to as the operative account/applicant account/party account in

Bills module, documentary credits, forward contracts, and the same relationship will also be carried over. - THE PROCESS Function code values T Transfer, V - Verify, X Cancel. When Function code T is selected the source SOL ID and destination sol id is mandatory. Help Message

is available for the same. The account ID is mandatory. During verification of request, the system will carry out the validations such as same person verification,

work class check. The effects of transfer and the report of transfer will take place only after the transfer request has been

verified. The system will generate a report of all such accounts, which have been transferred as part of this

process along with any errors or exceptions due to which the transfer could not take place. The menu option will check/validate for the following conditions before the actual transfer of account

takes effect:-- Check for any transaction that may have happened on the account on the day of transfer. Check for any transactions that may be in entered status. Check for any cheque that may be logged in Inward Clearing. Validate for Unauthorized records for the account

There wont be any history available prior to the transfer date in the new SOL. Audit trial will be available for the account and the menu option activities. This includes the transfer enterer id, verified person id, the old record, the new record, time stamp of such change. And when inquired on the transferred customer account itself, the audit trail will contain the information of old record, new record, who entered, who verified with time stamp will be available. Remarks for the audit written will be SOL ID TRANSFER.

ACCOUNT TRANSFER ACROSS SCHEME CODE MENU OPTION- ACXFRSC

A customer account is allowed for transfer across Scheme for the accounts belonging to SB/CA/CC and OD.

This is done through a new menu option ACXFRSC, which will accept the values Transfer, X-cancel, Verify (verification of the request of transfer).

The effects of transfer and the report of transfer will take place only after the request of transfer has been verified.

The execution may be in actual mode or in trial mode. Either one account or all accounts belonging to one scheme to another scheme can be transferred.

In this case, GL sub-head is a mandatory criteria. System will generate Success and Failure reports. The transfer will not result in change in the account number to include the new scheme code and the GL

subhead. System will not keep history for Charges/interest under old scheme and new scheme separately after

such account transfer. Transfer of accounts between scheme are restricted for the same currency schemes


Irrespective of the scheme change the account status will continue. (Dormant, inactive, frozen). The account status will be printed in the Success/Failure Report if the account is not active/dormant or frozen.

The menu option will check/validate for the following conditions before the actual transfer of account to new scheme takes effect:-- Check if Account is valid. Check if account is closed. Check if any non authorized audit records are pending for the account. Check if the account falls under the schemes SB/CA/CC/OD/TD. No transaction should exist in entered status. Check if the staff flag is modified in CUMM when the account is moving from Non Staff scheme to Staff

scheme. Check for future dated transactions Check if TDS calc is up-to-date. Check if the target scheme belongs to the same scheme type as the source scheme. Check if the target scheme code currency is the same as source scheme code. Check for future dated account open effective date. Check for any cheque that may be logged in Inward/ Outward Clearing. Check for Income /Expense account in Home Currency. Check if the NRE flag is modified in CUMM menu option when the transfer is from NRE to Non NRE

Scheme and Vice Versa. The Account will be locked once the transfer is initiated through ACXFRSC menu option. During this period no transactions will be allowed on the Account/Accounts. Limitations

The account number will remain same, and will not include the product code of the transferee scheme. Charges (Batch charges): When the Account is moving from a scheme where charges are defined to a scheme where charges are not defined then the user has to ensure that the charges are collected before transfer.

Interest treatment: If the Account is moving from a Scheme where Interest method is different then the Interest calculation will differ.

ACCOUNT ATTACHED WITH MOBILE/PAN NUMBER

A new menu option MOPACINQ has been provided. The menu will list a maximum of 10 account numbers maintained by the customer which is either attached with a Mobile number or PAN Card Number.

Menu option: MOPACINQ Function : 1. M Mobile number based search for accounts 2. P - PAN CARD based search for accounts 1) MOBILE NUMBER BASED SEARCH a. Enter M in function and press F4 b. Enter valid mobile no of 10 digit in next screen and Press F4 The system will then display all Account Numbers with Account Name attached with the Mobile Number entered by the user. Enter Y in Inquire Other(Y/N) option to continue inquiring list of accounts for another mobile number. Note- Only 10 accounts can be viewed in the menu. If Number of accounts attached with mobile no is more than 10 then it will prompt for a message only. 2) PAN NUMBER BASED SEARCH a) Enter P and Press F4 Enter valid PAN no and Press F4 Same procedure here also to inquire for other PAN numbers. Input option Y and press F4


HANDLING KYC NON COMPLIANT ACCOUNTS

RINGFENC in CBS for Ring Fencing the KYC non-compliant accounts.

Problems are being faced that while Ring Fencing KYC non compliant accounts in CUMM (# details) menu in

the CBS system, since different information(s) relating to customer is required to be uploaded at the time of

Ring Fencing, which at times is not available with the branches. As a result, branches are also freezing KYC

non-compliant accounts .

2. In view of the above, a new menu option RINGFENC has been customized in CBS. Therefore,

branches are advised that all the KYC non-compliant accounts should be Ring Fenced which

means that such accounts may be placed under close watch and non-compliant customers may be

deprived of certain additional facilities such as issuance of cheque book; issuance of

ATM/Debit Card; providing Internet banking services; account transfer using ACXFRSOL;

scheme transfer using ACXFRSC menu options and no payment through withdrawal slip

at the base branch, till the customer complies with such requirements.

This exercise, however, should not extend beyond a period of three months. In case the customer d

espite such measures, shows unwillingness to comply with KYC/AML/CFT requirements, branches are

free to proceed further and close the accounts after giving due notice to him/her. In no case the

account should be freezed due to KYC non-compliance.

The procedure for Ring Fencing the account is given hereunder:

(a) Use menu option RINGFENC

(b) Enter S in Function code field, then press F4.

(c )User has to enter customer id and Y to confirm. Then press F4 (d) can be used by Manager & above having work class 060 or above in CBS

(e) Does not require verification.

(f) On obtaining ID and address proof document from the customer, user has to enter ID proof

and address proof document through CUMM menu, function code M , enter cust ID, press F4, ( # )

in enter option , press F4 twice. Also ensure that all the mandatory fields such as ID proof, address

proof, total annual income, Profession /Activity and total annual turnover, are entered correctly.

Enter N in the Ring Fenced (Y) field. Then, the account will be treated as KYC compliant. In any

case NA should not be selected and used in any field of (#) details of CUMM menu, otherwise the

system will treat it as KYC non compliant account.

On the basis of Profession / Activity system will classify the risk category (High /

medium / low) automatically.

SOME ISSUES IN SF / CA ACCOUNTS

Customer accounts of other SOLs can not be modified. The system prints the name of joint a/c holder only if the name has been added in "A" option by

specifying the relation field as "J". Credit Transactions can be done even before verification of the account opening. Debit transactions are

not allowed on unverified accounts, Operative account to which interest credit or debit can be done can be specified which can belong to a

different Service outlet also. In OAAC, select SBSTF as scheme code for staff SF A/c. The system will pick up interest rate code

applicable for staff members. Dont open the staff SF A/c in SBGEN scheme code and then give


additional benefit of interest in A/c Preferential Interest (Cr) field (General Details of OAAC) as system may not give other benefits to the staff accounts opened in SBGEN scheme code.

Accounts can be opened in backdate

TRANSFER OF ACCOUNTS TO INOPERATIVE CATEGORY A Savings Fund as well as a Current Account would be treated as Inoperative Account if there is no Customer Induced Transaction for a continuous period of 24 months. The process for classification of an account as Inoperative Others and transfer to Inoperative Others Head is customized in FINACLE Application. The activity for classification and transfer of accounts as per above would be performed on quarterly basis in the month of January, April, July and October every year. The process of transferring account to Inoperative Category is centralized in which status of account, GL Sub-head Code are changed and signatures are transferred from AL Category to IN Category In-operative heads in many Branches are not tallied. The reason for non-tallying of the in-operative heads in CBS is due to mismatch of account status maintained with that of GL subhead code. Some accounts marked as Inactive have GL Subhead Code of main operative account where as in some ACTIVE accounts, the GL Subhead Code is that of in-operative. In order to identify accounts with a mismatch in account status and GL Subhead code, A report is customized. The report is available in MIS under PNBRPT/ 9. Misc. reports- 107. Report of Active and Inoperative Account shown in wrong GL heads which identifies accounts with the following mismatches a. Dormant (inoperative accounts) with wrong GL subhead b. Active accounts under inoperative GL Subheads. Branches are advised to generate the report for their SOL and change the GL subheads of Inoperative accounts with wrong GL subhead and Active accounts having inoperative GL subheads through menu option TACBSH- (Transfer Accounts between Subheads). Thereafter tally this account wise balance with GL subhead and ensure its correctness DEPOSITOR EDUCATION AND AWARENESS FUND SCHEME, 2014 (DEAF) Balances in all accounts (Inoperative Accounts 10 years & above and amount remained unclaimed for more than 10 years) along with interest accrued should be transferred to the Depositor Education and Awareness Fund. Subsequently, banks shall transfer to the Fund the amounts becoming due in each calendar month (i.e. proceeds of the inoperative accounts and balances remaining unclaimed for ten years or more) as specified in the Scheme and the interest accrued thereon on the last working day of the subsequent month. Amounts to be credited to the Fund shall be the credit balance in any deposit account maintained with bank which have not been operated upon for 10 years or more, or any amount remaining unclaimed for 10 years or more which include: (a) Savings bank deposit accounts; (b) Fixed or term deposit accounts; (c) Cumulative/recurring deposit accounts; (d) Current deposit accounts; (e) other deposit accounts in any form or with any name; (f) cash credit accounts; (g) loan accounts after due appropriation by the banks; (h) marin money against issue of Letter of Credit/Guarantee etc., or any security deposit; (i) outstanding telegraphic transfers, mail transfers, demand drafts, pay orders, bankers cheques, sundry deposit accounts, vostro accounts, inter-bank clearing adjustments, unadjusted National Electronic


Funds Transfer (NEFT) credit balances and other such transitory accounts, un-reconciled credit balances on account of Automated Teller Machine (ATM) transactions, etc.; (j) undrawn balance amounts remaining in any prepaid card issued by banks but not amounts outstanding against travellers cheques or other similar instruments, which have no maturity period; (k) rupee proceeds of foreign currency deposits held by banks after conversion of foreign currency to rupees in accordance with extant foreign exchange regulations; and (l) such other amounts as may be specified by the Reserve Bank from time to time.

Accounts which are frozen by order of Court, Income Tax Deptt. or any other statutory authorities will not be transferred to DEAF fund. The activity for classification and transfer of accounts in Inoperative category (10 years & Above) would henceforth be performed on monthly basis from July, 2014 onwards as against quarterly earlier. A report has been customized in PNBRPT 9/169 in the system which will provide list of Inoperative accounts which are likely to slip into Inoperative Accounts (10 years & above) in next quarter. On the date of transferring the amount to the Fund, the branch will maintain separately customer-wise details verified by the concurrent auditors, including payment of up-to-date interest accrued, that has been credited to the deposit account till the date of transfer to the Fund, with respect to interest bearing deposits, non-interest bearing deposits and other credits transferred to the Fund as detailed in Form-I. A report has been customized PNBRPT 9/171 to generate details of such accounts at branch/circle office level. The branch will preserve the above audited report at their level for the purpose of annual audit. REFUND AND CLAIM If after transfer of funds to DEAF, customer demands, branch should make payment to customer with up to date interest and lodge claim through Circle office to RMD HO. Branch to lodge the claim on monthly basis up to 5th day of the next month to Circle Office and CO by 8th to FGMO and FGMO consolidated claim to RMD HO by 10th day of the next month. PROCEDURE FOR CLAIM OF INOPERATIVE (10 YRS & ABOVE) TRANSFERRED TO DEAF, RBI

1. User has to enter menu option DEAFC. 2. User has to enter the type of account and add the same using option A and press F4 to add the record 3. User will be navigated to separate screens for deposit account or Draft/Cash Order as the case may be. i) For SB/CA/TD accounts, screen shall be displayed. User has to enter the account number and press F4. All other account related details will be displayed by the system and user has to enter Y/N only and press F4. ii) For Draft/ Cash Order screen shall be displayed. User has to enter the DD or CO Number along with the issuing branch ad issue date and press F4. All other DD/CO related details will be displayed by the system and user has to enter Y/N only and press F4. 4. After adding the account, same has to be verified in the same manner by using V option in DEAFC menu option. After verification of the same, in case of SB/CA/TD accounts, system will credit the amount in the customers account with current date, by debiting the Suspense DEAF account of the SOL (solid). In case of DD/CO, system will credit the amount in the account number provided by the customer as entered in the Credit Acc No field. However, if customer account number is not available; sundry account for sol should be entered in Credit Acc No field and the same shall be credited. 5. PNBRPT-9/177 DEAF Form III (Monthly Return Claiming Refund from Deaf) (for refund procedure refer RMD Circular 55/2014)


TRANSFER OF ACCOUNTS FROM INOPERATIVE TO OPERATIVE CATEGORY

The transfer of inoperative accounts to operative accounts is done at branch level based on the request of the customer. Menu option OPACTF is available with Incumbent In charge of the base branch and the menu option performs following three activities:

1. Changes the account status from D-DORMANT to A-ACTIVE. 2. Transfers Inoperative (Others & Over 10 years) GL-Sub-head code to operative GL-Sub-Head-code. 3. Changes the image access code from IN-Inoperative to AL-ALL

On entering the account no. and pressing F4, the system will populate the details of the customer for crosschecking with the request given by customer. In case the details match with the request, user will have to enter Y in Continue(Y/N/) field and press F4

As a policy decision, debit inter sol transactions to inoperative accounts are not allowed.

DUPLICATE PB / STATEMENT CHARGES While closing of an account, system is charging duplicate passbook/statement charges. In some cases these charges have been levied 5-6 times. After migration to Finacle since application of these charges, the pass sheet in the a/c might have been printed in ad-hoc mode and the system is keeping trail of all such ad-hoc print outs. When the a/c comes for closure, system is calculating and recovering ad-hoc pass sheet printing charges as deferred charges. The branch can reverse the charges to the customer, if required through TM menu.

MENU OPTIONS AT A GLANCE {FOR CUST-ID & A/C OPENING}

MENU DESCRIPTION PURPOSE CUMM Customer Master Maintenance To Add a new Customer OAAC Accounts Opening For opening new accounts OAACAU Accounts Authorization For Verification / Modification / Cancellation of

Unverified Accounts ACM Accounts Maintenance For Modification of Verified Accounts And Other

Inquiries/Maintenance CACC Closure Charges Collection To calculate/apply Account Closure Charges CAAC Accounts Closing For closing accounts CAACAU Accounts Closure auth. Auth For Verification/Cancellation of Closed A/C ALM A/C Lien Maintenance To Mark/Release Lien on Accounts JTHOLDER List Joint Holders To view Joint Holders/ All Related Parties INTTM Interest Table Maintenance To view/modify Interest Table Code (Rates) PSP Pass Sheet print To Print Statement Of Accounts PBP Pass Book print To Print Passbooks HACS A/C Selection To make inquiries on criteria-based selected

accounts HCUS Customer Selection To make inquiries on criteria-based selected

customers ACCBAL Components of Account Balance

Inquiry To view break-up of an account balance

ACLI A/C Ledger Inquiry To view transactions in Account Ledger ACTI A/C Turnover Inquiry To view Turnover in account ADVC Print Dr/Cr. Advice To Customer To Print Advices based on selected criteria VCHR Print Dr/Cr. Voucher To Print Vouchers based on selected criteria ABMR A/Cs Below Minimum Balance-Report To print list of accounts below minimum balance AFSM Account Freeze Status Maintenance To maintain freeze status in account CBM Customer Becoming Major To inquire / update status of minor a/c ACLPCA Customer A/C Ledger Print To print Ledger Printout of criteria-based

selected accounts


CUIR Customer Interest Report To print Interest Application Report for a Customers Accounts

CUMP Customer Master Print To print Master Details for Customers Accounts based on Selected Criteria

TACBSH Transfer Accounts Between Subheads

To transfer GL Subhead code of Accounts From Inoperative to Operative Category

INTRUN Interest run on account Application of interest on accounts OPACTF Inoperative to operative To Transfer of accounts from Inoperative to

Operative category

STANDING INSTRUCTIONS MAINTENANCE This menu option can be used for creating credit Transactions in loans account. If Charges are not to be recovered then Transaction TYPE should be BI instead of CI. For Loans recovery thru SI after filling information go to next page by pressing F6 for accepting FLOWID.

RELATED MENU OPTIONS

SIM SI Maintenance To Add, Modify, Cancel, Verify SIs

SIE Standing Instructions Execution For Adhoc Execution Of Sis

SIETR SIs Executed Today Report To Print Report Of SIs Executed Today SIRP S I Register Printing To Print SI Register SIADVC Print SI Advice To Customer To Print Advices For Executed SIs

CFLM Carry-Forward List Maintenance To Maintain Failed SIs, Carried Forward For Next Day

SII Standing Instructions Inquiry To Make Inquiries On Standing instruction CCCCREATION

In Finacle, Standing Instructions can be defined through the menu Option SIM i.e. Standing Instructions Maintenance. Functions which can be performed are Add, Copy, Inquire, List, Modify, Undelete, Verify & Cancel.

How to enter SI?

Menu option SIM (Standing Instruction Maintenance) Lets take an example Enter an SI which is requested by the customer (D10000411) to debit his SB A/c (01725) by a fixed amount of Rs.5000/-to credit his CC A/c (87433) which are being maintained at our SOL i.e. 417700. The SI should be executed on 20th day of every month. The SI should be executed till 20.12.2008. Steps -

1. Function Enter A (Add) and press F4. The cursor will appear in SI Class field.

2. SI Class Default value is C (Customer Induced). Press Tab or F11.

3. Cust ID D10000411

4. SOL Id 417700 (default populated)

5. SI Frequency As the above SI should be executed on 20th day of every month, the valid values in

SI frequency are M-Blank-Blank-20-N.

6. Execution Time Valid values are B (Day beginning), D (Anytime during day), A (After Business

Hours), E (Every Time). B means, SI will be automatically executed during Begin of day process. D

means, SI will be executed only once during the day whenever we run SIE (Standing Instruction

Execution) menu option first time, A means, SI will be executed during ABH process, E means, SI will


be executed every time whenever we run SIE menu option. In our case we will take it as D i.e. Anytime

during day.

7. Next Execution Date Enter the date on which the SI will be executed first time. Press Ctrl+X to

bring todays date.

8. Auto Post - Value is default Y, which means, whenever SI is executed, the system will post the

transactions automatically and user need not go to TM (Transaction Maint.) menu option to post these

transactions. If this is N, then the transactions created during execution of this SI will remain in Entered

state. User has to go into TM and post them.

9. End Date Enter the date on which SI to be ended. 10. Suspended Upto Enter the date upto which SI will not be executed. Means, suppose, if the starting date is 20.12.2007 and End date is 20.11.2008 and on 01.02.2008, customer comes and request to suspend the SI till 20.04.2008, then this date can be entered in this field. This means, SI will not be executed on 20.02.2008 and 20.03.2008.

11. Accept Event Press F2. Select the event by pressing Shift+F4. This field is used to select the

charges to be levied on customer for requesting the SI.

12. Fail Event Press F2. Select the event id by pressing Shift+F4. This field is used to select the

charges to be levied on customer for if the SI fails.

13. Exec Event - Press F2. Select the event id by pressing Shift+F4. This field is used to select the

charges to be levied on customer for execution of SI.

14. Chrg Rate Default is NOR (i.e. Notional Rate).

15. Dr. Acct If any or all the above three events are entered, then give the account number from

where the charges will be deducted by the system automatically.

16. Delete tran if not posted Default is N. If the transaction is not posted due to any reason and if this

field is kept as N, the system will keep the transaction in Entered state, otherwise, the transaction

will be automatically deleted by the system on unsuccessful execution of the SI.

17. Carry Forward Default is Y.

18. Max times enter number of days. If the Carry Forward field is kept as Y and value for Max times

field is entered, the system will carry forward the SI for the number of days entered in Max times

field, if not successfully executed.

19. Remarks free text. 20. Closure Remarks free text. Press F4. The system will bring Sub Instruction screen. The cursor is in Option field. At the right-top side Sub Instruction Serial No. 1 is displayed. Debit part of SI 21. Option Enter E. Press F4. 22. Amount Ind Valid values are F-Fixed, V-Variable, C-Contra Balancing, T-Table Code. In our example we have to debit SB A/c 01725 by Rs.5000/- i.e. we have to debit the a/c by fixed amount, so in this field enter F. 23. Part Tran Type Valid values are C-Credit and D-Debit. In our example we have to debit the a/c, so make it D. 24. Create Memo Pad Y. 25. Currency INR. 26. Fixed Amount This field will be mandatory as we have made Amount Ind field as F. Enter Rs.5000/-. Press F4. System will bring part tran details screen. 27. Account Number Enter the account, which you want to debit. In our example its 01725. Press Tab. 28. Amount Indicator Enter P (Percentage). Press Tab. 29. Percentage to be applied Enter 100. This is because, we want to debit full amount of Rs.5000/- from only one account no. 01725. (In case, we want to debit 30% of Rs.5000/- from one account and rest


70% (of Rs.5000/-) from another account, we need to enter 30 in this field and press Down arrow, enter account no, press tab, enter P, press Tab and enter 70 in the percentage field). 30. Press F4. 31. The cursor will come back to Option field. We have only completed Debit part of SI. To enter Credit part of SI, Enter E (which is already there in the field) and press F4. Credit part of SI 32. Amount Ind C (Contra balancing). This is because; we are entering contra part of the SI. 33. Part tran Type C (Credit), because we want to credit Rs.5000/- to A/c No. 87433. 34. Create Memo Pad Y. 35. Currency INR. Press F4. 36. Account Number Enter the account, which you want to credit. In our example its 87433. Press Tab. 37. Amount Indicator Enter P (Percentage). Press Tab. 38. Percentage to be applied Enter 100. This is because, we want to credit full amount of Rs.5000/- to only one account no. 87433. (In case, we want to credit 30% of Rs.5000/- to one account and rest 70% (of Rs.5000/-) to another account, we need to enter 30 in this field and press Down arrow, enter account no, press tab, enter P, press Tab and enter 70 in the percentage field). 39. Press F4. 40. The cursor will come back to Option field. Now that we have completed debit and credit parts of SI, we can save the SI. Press F10 to Commit/Save. 41. Note down the SI Serial No. and press F3 twice. You back in the main menu. VERIFICATION OF SI Menu Option SIM (Standing Instruction Maintenance) Steps

1. Function V (Verify). Press Tab.

2. SI Srl.No. Enter SI Serila No. which you wish to verify. If you forgot to note the SI Serial No., you

can press F2 to get the list of unverified SIs, select the one which you wish to verify. Press F4. The

general details will appear on the screen. Check the details. Press F4. The cursor will appear on

Option field with the Debit part of the SI on your screen. Check it.

3. Option Enter P. Press F4. Check the account and other details. Press F3.

4. Option Press Down Arrow. The system will display credit details of SI. Press P (which is already

displayed in the field) and F4. Check the account and other information. Press F3.

5. Option Press F10 to commit/save. The SI is verified. Press F3 to come out of the menu

option.

How to enter SI for Draft? Menu Option SIM Example Enter SI, to prepare a draft of Rs.500/- (drawn on BO: Bhagya Nagar, Aurangabad, favoring Anant Jadhav) on the 1st day of every month, by debiting A/c 01725 (customer ID D10000411). Steps 1. Function A (Add). Press F4. 2. SI Class C (Customer Induced) 3. Cust id D10000411 4. SI Frequency M-Blank-Blank-1-N 5. Execution time D (Anytime During Day) 6. Next Execution Date 10-12-2007 (enter appropriate date). Press F4. To Enter DD related transaction details - 7. Option E (Enter). Press F4.


8. Amount Ind F (Fixed) 9. Part tran Type C (Credit) 10.Create Memo Pad Y 11.Currency INR 12.Fixed Amount 500. Press F4. 13.Account Number DD. Press F4. 14.Amount Ind P (Percentage) 15.Percentage 100. Press F6. The system will bring Issue of DD screen. Leave City Name as blank. 16.Drawn on Bank Code 024. Branch Code 1005. 17.Payee Name Anant Jadhav 18.Purchase A/c No. 01725. 19.Purchaser Name This will automatically appear. 20.Print Option I (Immediate). Press F4. The cursor will appear in the A/c No. field of previous screen. Press F4. The cursor will appear in Option field. To enter commission on DD related transaction 21.Option E(Enter). Press F4. 22.Amount Ind T (Table Code) 23.Part tran type C (Credit) 24.Create Memo Pad Y 25.Currency INR 26.Fixed Amount 500. Go to the Amount Table Code field by pressing Tab. 27.Amount Table Code Press F2. Go to list item DDCOM (Commision on DD/MT/TT). Select it by pressing Shift+F4.Press F4. 28.Account No. Type COMM, press F2. Go to INC COMM ON DRAFTS & TRANSFERS, select it by pressing Shift+F4. 29.Amount Ind P (Percentage) 30. Percentage to be applied 100. Press F4 . The cursor will appear in Option field. To enter debit account details 31.Option E (Enter). Press F4. 32.Amount Ind C (Contra Balancing) 33.Part tran type D (Debit) 34.Create Memo Pad Y 35.Currency INR. Press F4. 36.Account No. 01725 37.Amount Ind P (Percentage) 38.Percentage 100. Press F4 . The cursor will come back to option field. Press F10 to Commit/Save the SI. Verify the SI as explained in How to verify SI paragraph. When do SIs get executed ?

a. SIs which have been marked as B (Day Beginning) in Execution Time will be automatically executed during BOD process. b. SIs which have been marked as A (After Business Hours) in Execution Time will be automatically executed during EOD process. c. SIs which have been marked as D (Anytime During day) will be executed when when we run SIE (Standing Instruction Execution) menu option first time during the day. d. SIs which have been marked as E (Every Time) will be executed as many times as we run SIE menu option.

EXECUTION OF STANDING INSTRUCTIONS

Menu option SIE 1. Execution Time Enter D or E. Press F4.

2. System will bring Print parameter acceptance form.


3. Fore/Background Enter F.

4. Print Required N. Press F10. Wait till until progress indicator (which is on the bottom-right corner

of the screen) comes back to green. Press F3. The system generates execution report for all the SIs

selected of the type mentioned in steps 1. Please see the report.

Reports & Inquiries

SII Standing Instruction Inquir y,

SIETR SIs Executed Today Report

SIRP Standing Instruction Register Printing. CHEQUE BOOKS MAINTENANCE PERSONALIZED CHEQUE BOOKS At present request for personalized cheque books are being sent to Printing and Stationary Department through menu option CBSCHQBK. Cheque books are being sent by P&S Deptt. HO in verified stage. Some of the PCBs are received back and to avoid misue following procedure be adopted : 1) PCBs will continue to be sent to customers directly at 275 identified centres in verified stage whereas the PCBs being sent to base branch other than the specified centres for onward delivery to customers will be sent by P&S Department HO in I status I.e. Issued but not acknowledged. Branches have to obtain proper acknowledgement from the customer, feed the same in system so that the chque status is changed to U (unused) status. 2) A menu option CHQSTAT has been customized for the branches to change the status of cheque from U to I ( issued but not acknowledged) for the situations where personalized cheque book sent to customers address, is returned to the base branch due to unavailability of customer ( or any other reason). Once the status is changed system gives message Record updated successfully. (TBD 52/2013) CHEQUE BOOK ISSUE Issuer or Verifier of Cheque book Issue Process must hold the physical stock of Cheque Books. System will have this information through Inventory Movement Process. Menu Option ICHB, Function I, Enter A/C No. In the field Cheque book Ack. Obtained? Type Y, if acknowledgement has been obtained, else type N. Press F4. Enter Cheque Type (select by pressing F2, say SB20 or CA100 or ANU-10) & press F4. System will list the available Cheque books with the issuer, if any. Select the Cheque book(s) to be issued with Shift+F4 & Commit with F10. VERIFICATION / CANCELLATION OF THE ISSUE OF CHEQUE BOOKS Menu Option ICHBAU Function V/X, Enter A/C No. or F2 to List Unverified Cheque Books, select

with Shift+F4. Press F4. While verifying, Enter Y in Collect MICR charge field to recover Cheque book charges. Press F4 & Commit with F10. Another Chequebook cannot be issued in an a/c with unverified Cheque books. ON RECEIPT OF ACKNOWLEDGEMENT FORM (PNB 119) FROM CUSTOMER If N was given at the field Cheque book Ack. Obtained? while issuing Cheque book, then on receipt

of acknowledgement (PNB 119) from the customer the same is to be marked & verified in the system.


System will not mark Stop Payments for unacknowledged Cheque leaves. Menu Option CHBM, Function A, Enter A/C No. Press F4. Select the Cheque books for which acknowledgement is to be marked Commit by F10. Verification/Cancellation has to be done with CHBM-V/X function. "CHBM" MENU -- C FUNCTION MARKING OF CAUTION Caution can be marked on the Cheque the status of which is UNUSED. That is to say that caution cannot be marked on a Cheque which has not been acknowledged Invoke menu option CHBM: Enter C in the Function Field, Press Tab, Enter Account No., Press Tab, Enter Begin Ch. No., Press Tab, Enter No. of Leave & Press F4, System will display equal number of Cheque as entered in No. of Leave column starting from the Begin Ch. NO. The system will also display the Current Status of Cheque and New Status of Cheque Caution can be unmarked by UNDO function through the same menu option i.e. CHBM It is to be noted that system allows payment of caution marked cheques. However, an exception Cheque Cautioned is raised at the time of its posting/verification INQUIRY ON CHEQUE BOOKS ISSUED IN AN A/C Menu Option CHBI Give a/c number in which cheque book inquiry is to be done Name will be displayed automatically Purpose to view - User has to mention the details for which the cheque book

Enquiry is required. INQUIRY OF ACCOUNT NO. FOR A GIVEN CHEQUE NUMBER Menu Option INQACHQ. Enter Cheque No & Sol-ID. Press F4. Quit with F3

CHEQUE INQUIRY Cheque Book inquiry can also be made while working in any screen or any menu option without quitting

from it. press F5 or click on Background at the menu option bar, the system will display the Background Menu.

At the Background menu select the appropriate option, delete the number appearing in the Make your Choice field and enter the same again before pressing F4.

CHBM screen will be displayed. Enter I (for inquire) & A/c No. & Press F4. System shall display the same screen under the title Menu Option CHBM. The Cheque book record can

be exploded here too, for looking at status of Chequebook leaves.

DO YOU KNOW THAT A MOBILE BANKING CUSTOMER CAN MAKE STOP PAYMENT OF HIS CHEQUES USING SMS MESSAGE SENT TO 5607040 MENU OPTIONS AT A GLANCE { CHEQUE-BOOK)

ICHB Issue Cheque books For Issue, Verification, Cancellation And Printing Of Cheque books

CHBM Cheque Book Maintenance

For Marking Acknowledgement, Caution, Revoking Caution, Destroying Unused Cheque Leaves, Verification And Inquiry

INQACHQ Inquire A/C Number For A Cheque

For Inquiring Account Number From Cheque Number

CHBIR Cheque Book Issued Register

For Printing Cheque book Issue Register

SPP/SPPAU Stop Payment Processing

To enter/cancel Stop