Sheet1List of scenarios where Counter PA and Supervisor have to apply their mind in Finacle CBSSl.No.SchemeScenarioSteps to be followed1TDDeath closure of TD product.During the death closure of a TD account, the User has to choose the previous completed year of TD tenure, as the closure value date in the menu HCAACTD.E.g. TD account was opened on 5-3-2010 for 5 years. The customer dies and the legal heir of customer asks for closure on 25-10-2013.Since TD has run for 3 years, 7 months and 20 days, during closure the user has to choose the completed year of the tenure as on date of death i.e. 3 years only and enter the closure value date as 5-3-2013. Once the user goes into the closure details page of the menu HCAACTD, Collect penal flag has to be chosen as No and in closure exceptions tab, closure reason code has to be selected as DTCLM.2TDNormal Closure of TD productDuring Normal closure, the user does not need to change the closure value date. In the Closure exceptions tab User has to choose the closure reason code as Normal.3MISWithdrawal of Excess amount from MIS Account in case of death of one of joinr holder where amount invested is more than the prescribed limit for single holder.In case of Joint MIS Account where one of the joint holder dies and the investment in the account(s) is more than the MIS investment limit fixed for single holder, following process has to be followed:- The user needs to withdraw the excess amount by selecting part closure in the menu HCAACTD. Once HCAACTD is invoked the user needs to enter the date of death of the holder in closure value date and excess amount to be withdrawn in the withdrawn amount field.Once the user goes into the closure details page of the menu HCAACTD, Collect penal flag has to be chosen as No and in closure exceptions tab, closure reason code has to be selected as DTCLM.E.g. Date of closure when legal heir asks for removal of neme of joint hlder due to death = 10-10-2013. Date of death - 7-7-2013.So in the closure value date, the user will enter date as 7-7-2013.In the above scenario, conversion has to be done at account level from joint to single as well.For this the following steps need to be followed once part closure is done at HCAACTD.If the deceased share holder is not the main holder of the account then in the menu CMISAM, the deceased share holder has to be marked as deleted.If the deceased share holder is main holder of the account, then user needs to invoke menu HCCA and change the CIf id of the main holder to that of remainig holder, who would be the main holder in the account.e.g. CIF A, B and C are joint holder. CIF A dies and remaining holder want to make CIF B as main holder. Then the user will invoke menu HCCA and change the CIF id from CIF A to CIF B. (In Finacle, First Holder is the main Holder)4RDDeath Closure of RD productsDuring closure of RD once the customer dies, the user will have to update Date of death in CIF after marking as "Deceased" and then invoke the menu CRDCAAC and select death closure as Yes and then select whether PSS closure is applicable or not. Date of death will automatically be taken from CIF5RDPremature closure of RD a/c where loan is outstanding1. Customer coming in for premature RD closure. Before Invoking RD closure menu, User will get the error for existing lien/loan.2. Invoke HPAYOFF menu to pay off the loan first 3. While paying loan, repayment account should be selected for debit. Repayment account may be customer's savings account or Postmaster Cheque Account. (Please note, while closing RD Account, same account should be selected for credit of amount to be paid to customer)4. Within HPAYOFF, a field for inputting the Int Waived Amount is available. User to enter the amount of interest to be waived off. (Please note a display field for the total amount of interest to be collected is also available on the same screen, displaying the interest calculated till date of closure. Accordingly user can enter the waived off amount)5. Submit HPAYOFF6. Verify HPAYOFF 7.Close the RD Account The Credit should go to the same Repayment Account 8. The loan amount taken along with the month of loan to be noted by user 9. Calculate SB interest manually for each month based on applicable rate PNR/1200, P Outstanding loan amount, as on 1st till 9th of a month, applicable for calculating IBB balance for a particular month, N- Number of month from loan withdrawal to laon repayment R SB Rate of Interest 10. Do a CTM / CXFER to debit the Repayment Account as given in Step 2, and credit Suspense account (SBCO Suspense account) for collecting the differential interest amount (as calculated in Step 4.)6RDMigrated account where default has not been collected in Sanchay postDefault fee is put as a lien on RD account. So during closure the default fee will be deducted by the user before paying the closure proceeds to the customer. The LIEN marked should be lifed (MODIFIED) using HALM menu and proceed for closure using CRDCAAC menu7RD PMCClosure within 3 yearsUser should be careful while closing RD account. System will only THROW EXCEPTION if the RD account is closed within the lock in period. Counter PA should not accept the EXCEPTION and should not proceed further. If the EXCEPTION is accepted, system will allow CLOSURE within LOCK in period.8NSCNSC Premature Closure i.e. closure before the maturity date1. In the menu CSCCAAC, i) The closure value date will be auto populated as BOD. In case of closure due to death, closure value date should be changed to date of death. ii) Select the account which needs to be closed prematurely iii) Input the closure reason code as one of the below: OBMIN- Order by Ministry of Finance FORFT - forfeiture of certificates DTCLM- Death claim (in case of closure due to death) iv) Mode of repayment allowed will be "Transfer" only and "Cash" mode will not be allowed9KVPKVP Premature Closure i.e. closure before 2 years and 6 months from KVP account open date1. In the menu CSCCAAC, i) The closure value date will be auto populated as BOD. In case of closure due to death, closure value date should be changed to date of death. ii) Select the account which needs to be closed prematurely iii) Input the closure reason code as one of the below: OBMIN- Order by Ministry of Finance FORFT - forfeiture of certificates DTCLM- Death claim (in case of closure due to death) iv) Mode of repayment allowed will be "Transfer" only and "Cash" mode will not be allowed10NSC/KVPNSC/KVP Normal Closure1. In the menu CSCCAAC, i) The closure value date will be BOD. No need to change the same. ii) Select the account which needs to be closed prematurely iii) Input any closure reason code from the searcher iv) Mode of repayment allowed will be "Transfer" or "Cash" mode11NSS-87NSS 87 Account Closure1. Invoke the menu HCACC for collection of TDS amount before invoking the menu HCAAC for account closure(kindly check the menu)2. Invoke the menu HCAAC for account closure i) Specify the Transaction type i.e. Transfer or cash and specify the corresponding Transfer account id for transfer mode i.e either customer's Savings Account or Postmaster Cheque Account..12PPFLoans against PPF account closure. . Calculation of interest upto closure date and deduction of the interest amount1. Invoke CPDTM menu to make Principal repayments i) Select the tran type/sub type ii) Select the type as P - Loan Principal Repayment2. Invoke CLPR for calculation of interest3. Invoke HACINT menu to apply the interest4. Invoke CPDTM menu to make Interest repayments i) Select the tran type/sub type ii) Select the type as I - Loan Interest Repayment5. Invoke HCAAC to close the loan account13NSCIn case of NSC issuance the DOP user has to check for stock availability and then open the account with NC4 or otherwise. Opening of Account when inventory is unavailable1. Check the availability of inventory using HISRA report2. In case the inventory is unavailabe, procedurally issue NC4a receipt3. Invoke the menu for NSC account opening i.e. CSCOAAC i) Input the NC4A receipt number in the field for "NC4A Receipt Number" ii) Input all the other mandatory details On receipt of Stock - Use the HDRP menu to print the certificate by input of account number. 2. Invoke HFINRPT to generate a report of all NC4 a`s are issued with certificate printing pending14CommonAll Type of closuresRason for closure is critical and mandatory to be selected.15SCSS Death Cloure within lock up periodDuring Death closure of SCSS account , the account first needs to be transferred from SCSS Scheme to SCSS Exceptional scheme. Only Supervisor of HPO can close the account by following the process given below and Postmaster of HPO has to verify the transaction:-

1. First Supervisor has to invoke HINTTM menu and give the SCSS account and choose SBRATE and give start date as Date of death . and Verifier can verify the same record.This is done to ensure until date of death SCSS rate is given to customer and from date of death till date only SB rate will be given to customer.

2. After HINTTM verification user can invoke HCAACTD and system will automatically change the closure value date and user has to apply mind and change the reason code as "DEATH" to ensure no penalty is applied to this account.16SCSSIn case of premature closure of SCSS where Lien has been put for the extra interestIn Sanchay Post interest of first day is paid in advance

so in finacle there will be interest adjustment after migration . 1. Customer will get one day interest less . So to avoid reduction of interest in FINACLE in the immediate quarter this HIARM interest adjustment entries are provided in.

2. During Pre-mature closure of SCSS account , system will pay 1 day interest in excess in finacle to collect user has to manually lift the lien and collect the 1 day interet given in HIARM menu and close the account. This is applicable only in case of premature closure of scss account and for migrated accounts only.

Office Acct ending with 323 will be used to credit the same., There is no automatic adjustment as it is a Lien. The user need to do a CXFER to collect the same. Process in case of premature closure of an account for any date between migration date and the 1st quarter of interest application by Finacle:- a. Post office to refer to the file provided by SDC for interest adjustment for the account to beclosed. (File will be shared as part of migration by Infosys to SDC ) b. Invoke CTM (in case of cash)/ CXFER (in case of debit to SB account) to collect the amount of adjustment (noted down in point a) and credit office account specially created for this adjustment. c. Invoke HCAACTD to close the SCSS account17CommonEntering of cheque details at the time of opening of accountIn the Account opening screens of all schemes, there is a field for entering Cheque details if account is opened by cheque. This field is meant for entering POSB Cheque only. Cheque of other bank should be first enetered in the Cheque Clearing menu and after getting funds in Office Account called" Account opened through Cheque" account is to be opened and funded. While opening or funding account, Cheque details should be entered in the remarks column not in the Cheque detail field.18Savings AccountDeduction of charge for dishonoring of cheque from savings account.In case of dishonour of Outstation Cheque, the user has to choose the charge event ID in HIRM menu in chanrge detail tab as dishonor (Not calculation jus choose the only available value)19CIFCIF CreationDuring CIF creation or any account opening - the DEDUP check has to be performed by invoking CDEDUP20MIS/SCSS/TDPayment of unpaid MIS/SCSS/TD interestThe unpaid interest has to be debited from the Sundry MIS or SCSS or TD account. HTM Menu will be used to pay MIS/TD/SCSS interest via cash or transfer to SB Account Choosing the respective Sundry Account. MIS or SCSS account number should be entered in the reference column otherwise this transaction will not appear in LOT. Before paying the unpaid interest check the amount using HIOT.

Sheet2Process NameScenariosSteps Required1. All closure screens the reason for closure is critical as validations are built on to it.1. NSC Premature Closure i.e. closure before the maturity date1. In the menu CSCCAAC, i) Input the closure value date ii) Select the account which needs to be closed prematurely iii) Input the closure reason code as one of the below: OBMIN- Order by Ministry of Finance FORFT - forfeiture of certificates DTCLM- Death claim iv) Mode of repayment allowed will be "Transfer" only and "Cash" mode will not be allowed2. KVP Premature Closure i.e. closure before 2 years and 6 months from KVP account open date1. In the menu CSCCAAC, i) Input the closure value date ii) Select the account which needs to be closed prematurely iii) Input the closure reason code as one of the below: OBMIN- Order by Ministry of Finance FORFT - forfeiture of certificates DTCLM- Death claim iv) Mode of repayment allowed will be "Transfer" only and "Cash" mode will not be allowed3. NSC/KVP Normal Closure1. In the menu CSCCAAC, i) Input the closure value date ii) Select the account which needs to be closed prematurely iii) Input any closure reason code from the searcher iv) Mode of repayment allowed will be "Transfer" or "Cash" mode2. TDS deduction before NSS87 account closure1. NSS 87 Account Closure1. Invoke the menu HCACC for collection of TDS amount before invoking the menu HCAAC for account closure2. Invoke the menu HCAAC for account closure i) Specify the Transaction type i.e. Transfer or cash and specify the corresponding Transfer account id for transfer mode3. Loans against PPF account closure1. Calculation of interest upto closure date and deduction of the interest amount1. Invoke CPDTM menu to make Principal repayments i) Select the tran type/sub type ii) Select the type as P - Loan Principal Repayment2. Invoke CLPR for calculation of interest3. Invoke HACINT menu to apply the interest4. Invoke CPDTM menu to make Interest repayments i) Select the tran type/sub type ii) Select the type as I - Loan Interest Repayment5. Invoke HCAAC to close the loan account4. In case of premature closure of RD a/c where loan is outstanding1. Closure of Loan account before the RD closure1. Customer coming in for premature RD closure. Invoke RD closure menu. User will get the error for existing lien/loan.2. Invoke HPAYOFF menu to pay off the loan first3. Within HPAYOFF, a field for inputting the Int Waived Amount is available. User to enter the amount of interest to be waived off. (Please note a display field for the total amount of interest to be collected is also available on the same screen, displaying the interest calculated till date of closure. Accordingly user can enter the waived off amount)4. Submit HPAYOFF5. Verify HPAYOFF6. Close RD account5. In case of NSC issuance the DOP user has to check for stock availability and then open the account with NC4 or otherwise.1. Opening of Account when invetory is unavailable1. Check the availability of inventory using HISRA report2. In case the inventory is unavailabe, procedurally print NC4A receipt3. Invoke the menu for NSC account opening i.e. CSCOAAC i) Input the NC4A receipt number in the field for "NC4A Receipt Number" ii) Input all the other mandatory details

Sheet3Following are some of the areas where the DOP user has to apply his mind. Please let us know if anything else needs to be added.Thanks1.All closure screens the reason for closure is critical as validations are built on to it.2.The Value date for closure is an important field especially for SCSS as we are default populating it to completed months date. The DOP user has to manually change the date if required.3.In case of premature closure of RD a/c where loan is outstanding the user has to follow the process that is specified in my earlier mail.4.In case of premature closure of SCSS where Lien has been put for the extra interest the DOP user has to remove the lien and collect the additional interest.5.In case of NSC issuance the DOP user has to check for stock availability and then open the account with NC4 or otherwise.6.Opening of new account by Non DOP Cheque the DOP user has to ensure that the cheque is cleared and then fund the account.7.In case of RD account closure and in case RD default fee is put as Lien the DOP user has to collect the default fee if the account is not extended for the default period. (this is for migrated RD accounts only).8.In case of duplicate passbook issuance - after updating the duplicate passbook issuance in account maintenance the DOP user has to collect the charges using HGCHRG,9.In case of dishonor of outstation cheque the user has to choose the charge event ID as dishonor (Not calculation jus choose the only available value)10.During CIF creation or any account opening - the DEDUP check has to be performed and if more than one CIF is required the DOP user has to check which CIFS needs to be suspended and which one needs to be continued.11.The PSS benefit has to be chosen as Yes or No during closure in some cases.12.The unpaid interest has to be debited from the respective office account. Choosing the office account the DOP user has to apply his mind,13.Same 12 applies for discontinued product also.

Sheet4For calculating the interest the lowest balance between 10th and last working day of the month will be taken into accountCase 1Premature closure done on the 37th month of the RD accountMonthMonthly installment made before or on 10th of the monthLowest balance between 10 and last working day of the month(This balance is used for calculating RD premature closure and this includes the loan installment amount as well.)Interest Calculation formulaAssuming that interest was 4% only and there was no change in interest rate.Loan takenLoan RepaymentDone between 1st to 9th of the monthLoan RepaymentDone on 10th or after 10th of the month.Outstanding loan amount as on 1st till 9th of the month( This balance will be used for calculating the interest that needs to be debited from customer)IBB Balance in actual scenario (RD installment amount - loan amount taken + loan amount repaid)Actual interest rate to be paid to customerInterest amount that needs to be debited from customer's repayment account.1100010003.3333333333010003.333333333302100020006.6666666667020006.66666666670310003000100300010041000400013.33333333330400013.3333333333051000500016.66666666670500016.66666666670610006000200600020071000700023.33333333330700023.3333333333081000800026.66666666670800026.6666666667091000900030090003001010001000033.333333333301000033.333333333301110001100036.666666666701100036.6666666667012100012000400120004001310001300043.333333333301300043.333333333301410001400046.666666666701400046.6666666667015100015000500150005001610001600053.33333333337000700090003023.33333333331710001700056.666666666770001000033.333333333323.3333333333181000180006070001100036.666666666723.33333333331910001900063.33333333337000120004023.33333333332010002000066.666666666770001300043.333333333323.3333333333211000210007070001400046.666666666723.33333333332210002200073.33333333337000150005023.33333333332310002300076.666666666770001600053.333333333323.3333333333241000240008070001700056.666666666723.33333333332510002500083.33333333337000180006023.33333333332610002600086.666666666770001900063.333333333323.3333333333271000270009070002000066.666666666723.33333333332810002800093.33333333337000210007023.33333333332910002900096.666666666770002200073.333333333323.333333333330100030000100200050002500083.333333333316.666666666731100031000103.333333333350002600086.666666666716.666666666732100032000106.66666666675000270009016.66666666673310003300011050002800093.333333333316.666666666734100034000113.333333333350002900096.666666666716.666666666735100035000116.66666666671000500030000100Rs 1000 loan repayment will not be considered as loan is repaid on 10th and this amount will not increase the minimum balance for that RD16.666666666736100036000120400032000106.666666666713.333333333337100037000123.333333333340003300011013.333333333338100038000126.6666666667400034000113.333333333313.333333333339100039000130400035000116.666666666713.333333333340100040000133.333333333340003600012013.333333333341100041000136.6666666667400037000123.333333333313.333333333342100042000140400038000126.666666666713.3333333333Total Interest calculated by System during premature closure30102490520Total interest to be paid by DOP to customer2490Interest to be debited by user before final interest is paid to customer5201Premature closure done on the 43rd month of the RD account2Assuming that loan was taken on 16th month for Rs 7000 and some amount was repaid as mentioned in Column F and G.3The user will have to calculate the interest amount for each month on Outstanding loan amount, as on 1st till 9th of a month as mentioned in Column H4After this the required debit entry needs to be passed, as mentioned in the mail.5Pls Note : This is an illustrative example and not an exhaustive one. In real live scenario, it has to be handled procedurally as per the merit of the specific scenario.