Program On Finacle 10

Program on Finacle 10
1
Table of Contents
Page
S.No Chapter Topic No
1 Chapter 1 Introduction to Finacle 3
2 Chapter 2 CIF Creation & Modification 7
3 Chapter 3 CASA Account Maintenance 10
4 Chapter 4 CC & OD Account Maintenance 17
5 Chapter 5 Cheque Book, Transaction 29
6 Chapter 6 Term Deposits and Topup Deposits 43
7 Chapter 7 Remittances RTGS/NEFT/SWIFT 56
8 Chapter 8 Stating Instruction Maintenance 58
9 Chapter 9 Outward Guarantee Maintenance 60
10 Chapter 10 Loan Account Maintenance 63
11 Chapter 11 Bill Maintenance 74
12 Chapter 12 Outward Clearing 77
13 Chapter 13 Inward Clearing 85
14 Chapter 14 Others Operations 92
2
1. Introduction to Finacle
101 Features of Finacle
A banking solution provided by Infosys.

UNIX operating system
Oracle as the backend RDBMS (Relational Database Management System) engine
Finacle conforms to Core banking, Consumer , E-banking, web-based cash management
requirements
Customer centric
Provides multi-lingual support
Multi-level security
Operating System Level. Application Level ,Operations Level
Provides unified view across all modules in the solution
Regulatory reporting and risk management ensure best practices adherence
Supports to interface with all the Payment Systems, Central Bank, Clearing Houses and Card
Issuers
Provides various tools and utilities such as:
Content sensitive help The help window describes the fields
Information on inventory status
Memo pad Reminders facility on the account
Audit trial
Birds eyeview of transactions created in the system
Contains transaction details, user details, time stamp etc.
102 Operations in Finacle
Customer Master Opening of Accounts Account Maintenance

Maintenance
Closure of Accounts Transactions: Office Accounts
Cash Basic
Clearing Pointing
Outward Posting in HO
Inward Accounts
Transfer
Inventory Management Cheque Book Maintenance Demand Drafts
Inquiries &Reports Other Operations Term Deposits
Stop Payment
Lien Maintenance
Freeze Maintenance
Standing Instructions
Remittances Inland Bills Systemic Processes
Outward Inward Day End
Inward Outward Day Begin
Next day Day
Begin
103 Common Terms Used in Finacle
3
Term Description
Work Flow Sequence of functions to be followed
SOL ID Service Oulet ID; Branch Code; 4 digits
Menu Shortcut Used to navigate through screens
Scheme Types Group of products of same nature
Hard Coded
17 in numbers
Scheme Code Defined under a Scheme Type
Created for each Bank product
Linked to a Sub GL
CIF Customer Information File
Alpha numeric of length 9
First 3 Alphabets representing SOL ID
AAA, AAB,AAC,respectively representing 0001,0002,0003,.
ATI represents SOL ID 0503
Next 6 digits are serail number starting from 000001 for each SOL
Customer Opened for a customer under a Scheme Code
Accounts Contains 14 digits
First 4 digits SOL ID
Next 2 digits Account Type (SB/CA/TD.01/02/03)
Next 8 digits Serial Number
Office Accounts General accounts other than customer accounts used by the bank internally
Contains 14 digits
First 4 digits SOL ID
Next 2 digits Currency Code (INR/USD...00/01)
Next 5 digits GL Sub Head
Next 3 digits Serail Number
OAB Office Account Basic
Accounts like Cash, Assets Accounts, Liability Accounts, Oncome
Accounts, Expense Accounts
OAP Office Account Pointing
Accounts like Sundry and Suspense Accounts
OSP Office System Pointing
Proxy Accounts
HOC Head Office Accounts
Accounting of Inter Branch transactions like transactions between
finacle branch and non-finacle branch
DDA Demand Draft Accounts
Accounts used for handling issue and payments of demand drafts
Work Class 3 digit number representing different levels in a bank
Used for Menu access control
Term Description
Role Profile Defines the Passing powers and authorisation powers
Part Tran Part of a transaction which can be a Debit or a Credit
4
103 Common Terms Used in Finacle (Contd)
Term Description
Placeholder A label used to identify Office accounts
Zone Represents each meeting that takes place for exchange of instruments
between the bank and clearing house
Defined for both Inward and Outward Clearing
Messages Warning:
Is merely a message
Allows the user to proceed
Exception:
Is a deviation from the normal banking rules
Can be overridden by appropriate authority
Should be authorised by the appropriate work class
Error:
Is a deviation from normal banking rules
Cannot be overridden by any user
104 Common Keys Used
F1 Help F2 List for selection

F3 Back F4 Accept
F9 Signature Pop Up F10 Save
CTRL+X Populates default
values in a field
105 Glossary of Icons and Fields

S. No. Type Description
1. Logout icon
2. Drop down menu
3. Field
4. Searcher
5. Search Window
6. Buttons
5
105 Glossary of Icons and Fields (Contd.)
S. No. Type Description
7. Mandatory Field
8. Help Icon
9. Check Box
10. Radio Button

11. Calendar Icon
12. Error Message
13. Frozen Fields
14. Live Field

15. Signature Icon
16. View Details or Explode

Button
17. Tabs
18. Hyperlink
19. Side Menu Bar
20. Record Movement

Pointer Left to Right
21. Record Movement
Pointer Top to Bottom
6
2. Customer Master Maintenance
201 - Process of Retail CIF Creation

S.
Field Action Remarks
No
1 Menu Shortcut Enter Menu CRLC -
Create and Verify Retail
2 Go Click on Go/Press Enter Key
Customer screen appears
3 Function Select A - Add
System displays Customer
4 Go Click on Go/Press F4
Details screen
5 Multiple Fields Select/Enter Using Searcher/Drop down list
6 Submit Click on Submit System displays the CIF ID
202 - Process of Verification of Retail CIF Creation

S.
No
1 Menu Shortcut Enter Menu VRC -
Create and Verify Retail
3 Function Select V - Verify
4 CIF ID Enter/Select
Details screen
6 Multiple Fields No Action Ascertain the details
System displays the CIF ID
7 Submit Click on Submit
verified
203 - Process of Corporate CIF Creation

S.
No
1 Menu Shortcut Enter Menu CCCR -
Create and Verify Corporate
3 Function Select A - Add
Details screen
5 Multiple Fields Select/Enter Using Searcher/Drop down list
6 Submit Click on Submit System displays the CIF ID
7
204 - Process of Verification of Corporate CIF Creation
S.
No
1 Menu Shortcut Enter Menu VCCR -
Create and Verify Corporate
Details screen
6 Multiple Fields Select/Enter Ascertain the details
verified
205 - Process of CIF Retail Modification

S.
No
1 Menu Shortcut Enter Menu MRCR -
Modify Retail Customer screen
appears
3 Function Select M - Modify
with multiple tabs appears
6 Multiple Tabs/ Fields Enter/Select Using Searcher/Drop down list
Modified
206 - Process of Verification of Retail CIF Modification

S.
No
1 Menu Shortcut Enter Menu VRCM -
appears
with multiple tabs appears
verified
8
207 - Process of CIF Corporate Modification
S.
No
1 Menu Shortcut Enter Menu MCEC -
Modify Corporate Customer
screen appears
3 Function Select M - Modify
System displays Modify
5 Go Click on Go/Press F4 Corporate Customer screen with
Various Tabs
6 Multiple Tabs/ Fields Enter/Select Using Searcher/Drop down list
Modified
208 - Process of Verification of Corporate CIF Modification

S.
No
1 Menu Shortcut Enter Menu VCCM -
Modify Corporate Customer
screen appears
System displays Modify
5 Go Click on Go/Press F4 Corporate Customer screen with
Various Tabs
verified
209 Customer Master Maintenance Menu Options

S. No Activity Product Menu Option
1 DEDUP RETAIL CRLC
2 Creation RETAIL CRLC
3 Verification RETAIL VRC
4 Modification RETAIL MRCR
5 Verification RETAIL VRCM
6 DEDUP CORPORATE CCCR
7 Creation CORPORATE CCCR
8 Verification CORPORATE VCCR
9 Modification CORPORATE MCEC
10 Verification CORPORATE VCCM
9
3. CASA Maintenance
301 - Process of Opening of a Savings Bank Account

S.
No
1 Menu Shortcut Enter Menu HOAACSB -
A/c Opening Savings criteria
screen appears
CIF ID is mandatory for opening
3 CIF ID Enter the Customer ID
any customer A/c
Scheme Code can be selected
4 Scheme Code Enter / Select Scheme Code
with the help of the searcher
Details screen appears and
5 Go Click on Go/Press F4 system displays General Details
Tab
Select appropriately from the Select the appropriate code from
6 Dispatch Mode
drop down menu a list.
Select the appropriate code from
7 Mode of Operation Click on Searcher
a list
System displays the Interest
8 Interest Details Click on Interest Details
Details Tab
9 Interest Credit A/c Select S Original A/c
10 Interest Debit A/c Select S Original A/c
Enter the last date of the current
Next Interest
11 Enter the Date Half Year (Mar/Sep) except
Calculation Date (Cr.)
Schemes SB117 & SB133
Next Interest Enter the last date of the current
12 Enter the Date
Calculation Date (Dr.) month
System displays the Scheme
13 Scheme Details Tab Click on Scheme Details Tab
Details screen
Click on Yes if the customer has If Yes is ticked then move to
14 Nomination Field given nomination otherwise no Nomination Tab and enter the
action required in this Tab relevant nomination details
Related Party Details Click on Related Party Details System displays the Related
15
Tab Tab Party Details screen
16 Submit Click on Submit System displays the result screen
Note the account no. created by

17 Temporary A/c ID No Action
the system
10
302 - Process of Modification Before Verification of A Newly Opened Savings Bank Account
S.
No
1 Menu Shortcut Enter Menu HOAACMSB -
A/c Open Modification Savings
2 Go Click on Go
criteria screen appears
Enter New Temporary Account
3 A/c ID -
No.
System displays the Currency, Sol
4 - Press Tab key
ID, and Name on the Account
System displays the General
5 Go Click on Go
Details screen
Scroll down the screen and click
Any field where error Replace the data entered
6 on Submit. The result screen
occurred incorrectly earlier
appears.
In the result screen the system
7 Message No Action displays the confirmation of
having modified the record
303 - Process of Verification of A Newly Opened Savings Bank Account

S.
No
1 Menu Shortcut Enter Menu HOAACVSB -
A/c Open Authorization
2 Go Click on Go
Savings criteria screen appears
3 Function Select V Verify -
4 Temporary A/c ID Enter Newly Opened SB A/c No. -
5 Go Click on Go General Details screen appears
Authorizer to ascertain the
6 General Details Tab Auto populated correctness of the details
entered
7 Interest Details Tab Click on Interest Details Tab correctness of the details
entered
8 Scheme Details Tab Click on Scheme Details Tab correctness of the details
entered
Related Party Details Click on Related Party Details
9 correctness of the details
Tab Tab
entered
10 Side Bar Scroll down the screen -
After authorization the A/c No.
12 Verified A/c ID No Action
becomes a Permanent A/c No.
11
304 - Process of Modification of Nomination in An Existing Account
S.
No
1 Menu Shortcut Enter Menu HACM -
Customer A/cs Maintenance
2 Go Click on Go
3 Function Select M Modify -
4 A/c ID Enter A/c No. to be modified -
A window is displayed where
5 Signature Click on Signature icon signatures of the customer can
be viewed
7 Scheme Tab Click on Scheme Tab Scheme details screen appears
A tick mark appears in the
8 Nomination Click on Nomination Box
Nomination Box
Nomination details screen
9 Nomination Tab Click on Nomination Tab
appears
Registration No. has to be
manually entered as per the
Registration No. serial no. in the Nomination
Register maintained by the
branch
If Nominee is a minor then enter
Nominee Name relevant data in Birth Date and
Guardian Details fields also
Relationship Enter relevant details in all the
10
Address Line 1, 2 , 3 fields
City
State
Country
Postal Code
Nominee Minor
Nomination Pcnt
Witness
12
304 - Process of Modification of Nomination in An Existing Account (Contd.)
S.
No
11 Side Bar Scroll the Side Bar down -
System confirms the record is

13 Result No Action
modified successfully
305 - Process of Verification of Modification Performed in An Existing Account

S.
No
Notes:
Invoke the Menu HACM by entering the same in Menu Shortcut field and click on Go
2 A/c ID Enter A/c No. to be modified -
The authorizer can also verify the
3 Signature Click on Signature icon
customers signature
Notes:
The authorizer has to visit General, Scheme, Interest, Nomination, Related Party Details and
Additional Info. Tab even if no modification action was performed in these fields
5 General Tab No Action -
6 Interest & Tax Tab Click on Interest & Tax Tab No Action
Check that Nomination box is
7 Scheme Tab -
ticked
Check that Nomination Details
8 Nomination Tab -
are entered correctly
9 Related Party Tab Click on Related Party Tab No Action
10 Additional Info. Click on Additional Info Tab No Action
11 Submit Click on Submit Result screen is displayed
12 Result No Action
verified successfully
13
306 - Process of Modifying An Account from Single to Joint A/c
Notes:
User to make sure that the CIF ID of joint a/c holder to be added is available before starting this
process
Invoke the Menu HACM by entering the same in Menu Shortcut field and click on Go
Follow the process 304 steps no. 1 to 6 till General Details Tab screen is reached
S.
No
Select appropriate Mode of Select relationship corresponding
7 Mode of Operation
Operation to the Main record
8 Related Party Tab Click on Related Party Tab Related Party details displayed
Notes:
Record 1 of Related Party Tab will comprise of the CIF details of the Main A/c Holder
Joint A/c holders CIF details are added by clicking on Add button which will take the user
to Record 2 screen and so on
9 Add Button Click on Add Button Record 2 details screen displayed
Select appropriately from the Select relationship corresponding
10 Relation Type
drop down menu to the Main record
11 Relation Code Select using searcher -
Press Tab key and the system
12 CIF ID Enter CIF ID of this record holder
populates the CIF details
13 Side Bar Scroll Side Bar Scroll Side Bar down
15 Result No Action
307 - Process of Verification of Modification of An Account

Notes:
Invoke Menu HACM by entering the same in Menu Shortcut field and clicking on Go
Follow the process 305 for verifying the record
308 - Process of Collecting Charges Before A/c Closure

Notes:
The user to invoke menu HCACC by entering the same Menu Shortcut field and Clicking on Go.
System displays Account Closure Charge Collection criteria screen
S. No Field Action Remarks
1 Function Select O Collect -
2 A/c ID Enter A/c ID -
3 Go Click on Go System displays details screen
4 Submit Click on Submit System displays result screen
5 Result No Action
14
309 - Process of Verification of Charges Before A/c Closure
Notes:
The user to invoke menu HCACC by entering the same Menu Shortcut field and Clicking on Go.
System displays Account Closure Charge Collection criteria screen
S.
No
2 A/c ID Enter A/c ID -
5 Result No Action
verified successfully
310 - Process of SB A/c Closure

Notes:
The user to invoke menu HCAAC by entering the same Menu Shortcut field and Clicking on Go.
System displays Account Closure criteria screen
S.
No
1 Function Select Z Close -
User can verify customers
2 A/c ID Enter A/c No. to be closed signatures by clicking on
Signatures icon
3 Balance Click on Transfer check box Tick mark appears
In case of transfer system will ask
4 Transaction Type Select Cash or Transfer
user to enter Transfer A/c ID
5 Go Click on Go A/c Information screen appears
System performs validation Shows result and user has to take
6 Validation Check
before closure corrective action
7 Closure Click on Closure System displays Closure screen
8 Closure Notes Enter Closure Notes This is a free text field
9 Reason Code Select appropriate Reason Code Use searcher to select code
System displays exception
window, if any. Click on Accept.
10 Submit Click on Submit System displays result screen.
Generates a Tran ID.
Authorizer to verify.
15
311 - Verification of SB A/c Closure
Notes:
The user to invoke menu HCAAC by entering the same Menu Shortcut field and Clicking on Go.
System displays Account Closure criteria screen
S.
No
Signatures icon
Ensure data entered by maker is
3 Various Details Authorizer to check details
correct
Ensure that user has taken
5 Validation Check Authorizer to check validations
corrective action
6 Closure Click on Closure System displays Closure screen
Ensure data entered by maker is
7 Various Details Authorizer to check details
correct
System displays exception
window, if any
Click on Accept. System displays
result screen
Closed Flag is placed on the a/c. It can be viewed using menu HACCDET
312 CASA Maintenance Menu Options

S.
Activity Product Menu Option
No
SB - HOAACSB
1 Opening of a New Account CASA
CA - HOAACCA
Modification Before SB - HOAACMSB
2 CASA
Verification CA - HOAACMCA
SB - HOAACVSB
3 Verification of a New Account CASA
CA - HOAACVCA
Modification of an Existing
4 CASA HACM
Account
Charges before
5 CASA HCACC
Closure/Verification
6 A/c Closure/Verification CASA HCAAC
Closed Flag is placed on the a/c. It can be viewed using menu HACCDET
16
4. Cash Credit Accounts/OD Accounts
401 - Process of Opening of a Cash Credit Account

1 Menu Shortcut Enter Menu HOAACCC -
A/c Opening Cash
2 Go Click on Go
Creditcriteria screen appears
any customer A/c
Scheme Code should be selected
with the help of the searcher as
4 Scheme Code Select Scheme Code
it will populate the GL Sub Head
Code
5 Go Click on Go system displays General Details
Tab
Notes:
General Details, Interest Details, Scheme Details, Account Limits, and Related Party DetailsTabs are
mandatory even if there are no field updates to be done
The user must visit the above tabs compulsorily
Usually most of the fields would be populated as per the parameters set at Scheme Code level as
per the requirement of the bank
Certain data would be populated from the CIF of the customer
Select appropriately from the Select the appropriate code from
6 Dispatch Mode
drop down menu a list.
7 Mode of Operation Click on Searcher icon
a list.
System displays the Interest
8 Interest Details Tab Click on Interest Details Tab
Details Tab
9 Interest Debit A/c Select - S Original A/c -
Next Interest Enter End of Current Month
10 -
Calculation Date (Dr.) Date
11 SchemeTab Click on SchemeTab
Details screen.
12 Sanction Limit Enter Sanction Limit -
13 Expiry Date Enter Expiry Date -
14 Credit File No. Enter As per sanction ticket
15 A/c Health Code Select
Searcher
17
401 - Process of Opening of a Cash Credit Account (Contd.)
Debt
16 Acknowledgement Enter
Date
System displays Account Limits
17 Account Limits Tab Click on Account Limits Tab
Tab
18 Limit Level Interest Click on Radio Button Click A/c Level Interest
19 Document Date Enter Document Date -
20 Review Date Enter Review Date -
Searcher can be used to select
21 Sanction Level Enter Sanction Level Code
the code
22 Sanction Authority Enter Sanction Authority Code
the code
Derived from value of
securities
Drawing Power Select Drawing Power Indicator Equal Equal to Sanction Limit
23
Indicator appropriately Maintained Amt to be
specified
Parent % of parent limit
24 Related Party Tab Click on Related Party Tab Related Party Details Tab shown
Notes:
Joint A/c Holders details are captured here by linking the CIF of the Joint Holder to the Main
Holder (covered separately in Section 306 earlier)
25 Documents Tab Click on Documents Tab Documentsdetails screen opened
26 Document Code Enter Document Code Select the appropriate code

27 Due Date Enter Due Date of the document -
28 Scan Required Select No -
Enter the details of another
Click on Add or Right Arrow next
29 Add document by following the steps
to the Record field
22 to 24 of this section
System displays the MIS Codes
30 MIS Codes Tab Click on MIS Codes Tab
details screen
31 Various MIS Codes Select MIS Codes Select the codes appropriately
33 Temporary A/c ID No Action the system. Authorizer to verify
the same.
18
402 - Process of Modification Before Verification of A Newly Opened Cash Credit Account
1 Menu Shortcut Enter Menu HOAACMCC -
A/c Open Modification criteria
2 Go Click on Go
screen appears
Enter New Temporary Account
3 A/c ID -
No.
System displays the Currency, Sol
4 - Press Tab key
ID, and Name on the Account
System displays the General
5 Go Click on Go
Details screen
Scroll down the screen and click
Any field where error Replace the data entered
6 on Submit. The result screen
occurred incorrectly earlier
appears.
In the result screen the system
7 Message No Action displays the confirmation of
having modified the record
403 - Process of Verification of A Newly Opened Cash Credit Account

1 Menu Shortcut Enter Menu HOAACVCC -
2 Go Click on Go
Savings criteria screen appears
Enter Newly Opened Temporary
4 Temporary A/c ID -
A/c No.
entered
entered
entered
Authorizer to check that all
9 MIS Codes Tab Click on MIS CodesTab details entered by the maker are
correct
10 Account Limits Tab Click on Account LimitsTab details entered by the maker are
correct
19
403 - Process of Verification of A Newly Opened Cash Credit Account (contd)
Related Party Details Click on Related Party Details
11 details entered by the maker are
Tab Tab
correct
12 Document Details Tab Click on Document Details Tab details entered by the maker are
correct
13 Side Bar Scroll down the screen -
Notes:
It is mandatory to visit General, Interest, Scheme , Account Limits, Document& Related Party
Details Tabs even if no operations are performed by the maker in these tabs
Similarly it is mandatory to visit all tabs which are checked

404 - Process of Collateral Creation for a Cash Credit Account

Notes:
User to invoke menu HCLM by entering the same in Menu Shortcut field and clicking on Go
System displays Collateral Linkage Maintenance criteria screen
1 Function Select L Lodge -
Select appropriate code from the
2 Type -
drop down menu
3 Go Click on Go System displays thedetails screen
Select appropriate code with the

4 Collateral Code -
help of searcher
Enter appropriate value as per
5 Ceiling Limit -
sanction terms
Enter appropriate value as per
6 Margin Pcnt. -
sanction terms
7 Debit A/c For Fees Enter CC A/c No. -
System displays Net Value details
8 Net Value Tab Click on Net Value Tab
screen
Enter appropriate security
9 Various Fields -
description and value
20
404 - Process of Collateral Creation for a Cash Credit Account (contd)
System displays Particulars
10 Particulars Click on Particulars Tab
details screen
11 Review Date Enter Review Date -
12 Due Date Enter Due Date -
13 Received Date Enter Received Date
13 CIF ID Enter CIF ID
System displays the result
14 Submit Click on Submit screen. Note the collateral id.
Authorizer to check.
405 - Process of Verification of Collateral Creation for a Cash Credit Account

Notes:
User to invoke menu HCLM by entering the same in Menu Shortcut field and clicking on Go
2 Type -
drop down menu
3 Collateral ID Enter Collateral ID -
System displays the details
4 Go Click on Go
screen
Authorizer to check that all data
5 General Details Tab Check data entry
entered by maker is correct
6 Net Value Tab Click on Net Value Tab
7 Particulars Tab Click on Particulars Tab
406 - Process of Linking Collateral to an Account

Notes:
User to invoke menu HSCLM by entering the same in Menu Shortcut field and clicking on Go
System displays Maintain Standalone Collateral Linkage criteria screen
1 Function Select L Link -
This will be set as default by
2 Linkage Type Click on A/c
system
3 A/c ID Enter CC A/c ID -
21
406 - Process of Linking Collateral to an Account (Contd.)
Alternatively this can be selected

4 Collateral ID Enter appropriate Collateral ID
with the help of searcher

5 Accept Click on Accept
screen
6 Apportioned Value Enter Apportioned Value Portion of the security value
407 - Process of Verification of Collateral Linkage in An Account

Notes:
system


screen
Authorizer to check the date
6 Details Screen No Action
408 - Checking The Impact of Collateral Linkage on A/c HACCBAL

1 Menu Shortcut Enter Menu HOACCBAL
Account Balance Details screen
2 Go Click on Go
appears
Updated with Sanctioned
3 Sanction Limit No Action
Amount
4 Sanction Limit No Action Updated with Derived Amount
5 Available amt. No Action Updated with Drawing power
6 Effective available amt. No Action Updated with Drawing power
22
409. Substitution of Collateral Value
Notes:
When the stock statement is submitted by the customer
The user to invoke menu HCLM by entering the same Menu Shortcut field and Clicking on Go.
1 Function Select S Substitute -
Searcher can also be used to
2 Collateral ID Enter Collateral ID
select the code
3 Type -
drop down menu
4 Go Click on Go System displays the General Tab
System displays Particulars Tab
details screen
6 Received Date Enter Received Date -
System displays the result
7 Submit Click on Submit screen. The same is to be
authorized
410. Verification of Collateral Substitution

Notes:
When the stock statement is submitted by the customer
The user to invoke menu HCLM by entering the same Menu Shortcut field and Clicking on Go.
1 Function Select V- Verify -
2 Type -
drop down menu
Searcher can also be used to
3 Collateral ID Enter Collateral ID
select the code
4 Go Click on Go System displays the General Tab
System displays Particulars Tab
details screen
6 Received Date No Action Due Date is updated
System displays Net Value Tab
7 Net Value Click on Net Value Tab
details screen
Enter substituted Collateral System will allow the Verifier to
8 Gross Value
Value Modify the amount
7 Submit Click on Submit System displays Collateral ID.
23
411- Process of Modifying Collateral to an Account
Notes:
system


screen
6 Apportioned Value Enter Apportioned Value Portion of the security value
The verification has to be done as per the steps given in 407
412 - Collateral Linkage Lookup

Notes:
The user to invoke menu HCLL by entering the same in Menu Shortcut field and Clicking on Go.
System displays Collateral Lookup criteria screen
Enter the desired Selection
1 Various Fields Example enter A/c ID
Criteria
System displays the inquiry
3 Go Click on Go screen as per the selection
criteria
Collateral details can be viewed
4 View Click on View Button
in the inquiry window
413. Process of Sanction Limit Change on CC A/c HACLHM

Notes:
The user to invoke menu HACLHM by entering the same in Menu Shortcut field and Clicking on
Go.
System displays Account Limit History Maintenance criteria screen
2 A/c ID Enter the A/c ID -
24
413. Process of Sanction Limit Change on CC A/c HACLHM (Contd.)
System displays the Account
3 Go Click on Go Limit History Maintenance
criteria screen
4 Sanction Limit Enter Modified Sanction Limit -
414. Process of Verification of Sanction Limit Change on CC A/c HACLHM

Notes:
The user to invoke menu HACLHM by entering the same in Menu Shortcut field and Clicking on
Go.
System displays Account Limit History Maintenance criteria screen
2 A/c ID Enter the A/c ID -
System displays the Account
3 Go Click on Go Limit History Maintenance
criteria screen
Authorizer to check that the data
4 Sanction Limit Check Modified Sanction Limit has been correctly entered by
the maker
415 - Process of Opening of a OD Account Against FD

1 Menu Shortcut Enter Menu HOAACOD -
A/c Opening Cash Credit
2 Go Click on Go
any customer A/c
Code
Tab
25
415 - Process of Opening of a OD Account Against FD (Contd.)
Notes:
General Details, Link Collateral, Interest Details, Int Slabs, Scheme Details, Account Limits, and
Related Party Details Tabs are mandatory even if there are no field updates to be done
6 Multiple Fields Enter/Select as per 401 (CC account Opening)
System displays the Link
7 Link Collateral Tab Click on Link Collateral Tab
Collateral Tab
8 Collateral Code Select using Searcher Loan to Value Pcnt displayed
Fields auto fetched
CIF ID
Balance Tenor (MMM/DD)
Deposit Amt.
9 Entity ID Select - FD/RIRP Account
Balance Apportioned Amt.
Collateral Rate Pcnt.
Sanction Limit in Scheme Details

10 Apportioned Amt. Enter The amount of Deposit -
System displays Interest Details
11 Interest Details Click on Interest Details Tab
Tab
13 Int_ Slabs Click on Int_Slabs Tab System displays Int_Slabs Tab
A/c. Debit
14 Enter Rate of Interest As per Banks Terms
Preferential Interest
Tenor of Slab
15 Enter Balance Period of the Deposit
(MMM/DDD)
System displays Scheme Details
16 Scheme Details Click on Scheme Details Tab
Tab
System displays Account Limits
18 Account Limits Tab Click on Account Limits Tab
Tab
as per 401 (CC account Opening)
19 Multiple Fields Enter/Select Drawing Power Indicator
Disabled
System displays Related Party
20 Related Party Tab Click on Related Party Tab
Details Tab
Notes:
Holder (covered separately in Section 304 earlier)
26
415 - Process of Opening of a OD Account Against FD (Contd)
System opens the
21 Documents Tab Click on Documents Tab
Documentsdetails screen
System displays the MIS Codes
23 MIS Codes Tab Click on MIS Codes Tab
details screen
24 Various MIS Codes Select MIS Codes
the codes appropriately

26 Temporary A/c ID No Action the system. Authorizer to verify
the same.
416 - Process of Verification of A Newly Opened OD Account

1 Menu Shortcut Enter Menu HOAACVDD -
2 Go Click on Go
Enter Newly Opened Temporary
A/c No.
entered
7 Link Collateral Tab Click on Link Collateral Tab correctness of the details
entered
entered
9 Int_ Slabs Click on Int_Slabs Tab correctness of the details
entered
entered
11 MIS Codes Tab Click on MIS CodesTab details entered by the maker are
correct
27
416 - Process of Verification of A Newly Opened OD Account (Contd)
12 Account Limits Tab Click on Account LimitsTab details entered by the maker are
correct
Related Party Details
13 Click on Related Party DetailsTab details entered by the maker are
Tab
correct
14 Document Details Tab Click on Document DetailsTab details entered by the maker are
correct
After authorization the A/c

16 Verified A/c ID No Action No.becomes a Permanent A/c
No.
417 CC/OD Menu Options

S.
No
CC - HOAACSC
1 Opening of a New Account CC/OD
OD HOAACOD
Modification Before CC - HOAACMCC
2 CC/OD
Verification OD - HOAACMOD
CC - HOAACVCC
3 Verification of a New Account CC/OD
OD - HOAACVOD
Collateral
4 CC HCLM
Creation/Verification
Linking Collateral to an
5 CC HSCLM
Account
6 Collateral Look Up CC/OD HCLL
Sanction Limit/Drawing
7 CC/OD HACLHM
Power Updation/Verification
8 A/c Closure/Verification CC/OD HCAAC
28
5. Cheque Book, Transactions, Stop Payment and Inquiries
501 - Loose Leaf (Adhoc) Cheque Book Issue to an Account

1 Menu Shortcut Enter HICHBA -
Issue Cheque Book to Account
2 Go Click on Go
3 Function Select I - Issue -
Once Tab key is pressed, the
4 A/c ID Enter A/c ID system displays the customer
name
5 Begin Chq. No. Enter the Cheque No. -
Enter the number of cheque
6 No. of Cheque Leaves -
leaves
7 Leaves Per Book Enter the no. of Leaves Per Book -
System displays Inventory Details
8 Go Click on Go
screen
System displays the cheque
9 Inventory Details No Action details entered in the criteria
screen
System displays message Cheque
11 Result Screen No Action
Book Issued successfully
502 - Verification of Verification of Loose Leaf (Adhoc) Cheque Book Issue to an Account
1 Menu Shortcut Enter HICHBA -
2 Go Click on Go
3 Function Select V- Verify -
name
5 Go Click on Go
screen
System displays the cheque
6 Inventory Details No Action details entered in the criteria
screen
The authorizer to check the correctness of the data entered by the Maker
29
503 - Cheque Book Inquiry
1 Menu Shortcut Enter HCHBI -
2 Go Click on Go
name
4 Go Click on Go
screen
The cheque books issued on the
customers account are listed.
5 Inventory Details No Action
Summary of status wise no. of
cheques is also displayed.
System displays screen

6 View Details Click on View Details icon containing individual cheques
along with the status
504 - Process of Updating Cheque Status

1 Menu Shortcut Enter HUCS -
Update Cheque Status criteria
2 Go Click on Go
screen appears
name
Enter 6 digits cheque no. in
5 Instrument Alpha No. Enter Instrument Alpha No.
second field
6 Go Click on Go
screen
Select appropriate option from System displays the current
7 New Status
the drop down menu status of the cheque also
30
505 - Process of verification of updating cheque status
1 Menu Shortcut Enter HUCS -
Update Cheque Status criteria
2 Go Click on Go
screen appears
name
Enter 6 digits cheque no. in
5 Instrument Alpha No. Enter Instrument Alpha No.
second field
6 Go Click on Go
screen
Notes:
Transactions
Term Description
Transactions in banking can be broadly classified into three types i.e.
Transaction
Cash, Clearing and Transfer.
Transactions in Finacle can be normally in any one of the following
statuses:
E - Entered
Transaction Status
P - Posted
V Verified
D Deleted
Account balance is not updated
Entered Status Transaction can be modified or deleted
Fields other than Account ID can be modified
Account balance gets updated
In case of credit transaction, funds are available to the customer
Posted Status
Transaction cannot be modified or deleted
Transaction wrongly posted can only be reversed
Account balance gets updated if not already updated
Verified Status Transaction cannot be modified or deleted
Transaction wrongly posted can only be reversed
When the user deletes the transaction the transaction is said to
have been deleted.
Deleted Status
Transaction in entered status can only be deleted. Posted or
verified status transactions cannot be deleted.
Note: All Transactions should be in verified status before End Of Day (EOD)
31
Transactions (Contd.)
Term Description
Part Tran A transaction should have Debit and Credit parts
A Debit or a Credit part of a transaction is known as part tran
Balanced Transaction Sum total of all debits tallies with sum total of all credits
Unbalanced Transaction Sum total of all debits does not tally with sum total of all credits
Note: All transactions should be balanced before EOD
In any transaction two persons are involved
Enterer - Maker
Authorizer / Verifier - Checker
Enterer cannot verify the transaction entered by him/her
Verification means ascertaining correctness of the transaction
entered and recording the same in the system
Case 1
One person creates a transaction in ENTERED status.
Another person POSTS the transaction
The transaction is VERFIED in the system
Case 2
One person creates a transaction in POSTED status
Another person VERIFIES the transaction
Maker Checker The transaction is VERIFIED in the system
A transaction can be entered by any person.
A transaction can be directly posted by a person if the transaction is
within his/her passing powers. This is decided by the bank.
In a transaction, if the debit part tran is not posted, the system will
not allow the user to post the credit part tran.
A transaction can also be partly posted which means that one part
tran is in posted state where as other part tran is in entered state
A transaction can also be partly verified which means that one part
tran is in verified state where as other part tran is in entered or
posted state
A transaction can also be auto verified which means the moment the
maker posts the transaction, it will be created in verified state
A transaction can also be created by the system System Generated
Transaction. The tran id for such transactions would be prefixed by
S.
This is the effective date of transaction for interest calculation
Value Dated purposes.
Transactions During the transaction creation process one can enter the date of his
/ her choice as per the prevalent scenario
32
506 - Process of Cash Receipt by a Teller
1 Menu Shortcut Enter Menu HCASHDEP -
Cash Deposit criteria screen
2 Go Click on Go
appears
3 Function Select A Add -
Transaction Type /
4 Select C/NR Normal Receipt -
Subtype
Cash Deposit details screen is
5 Go Click on Go
displayed
6 A/c ID Enter A/c ID A/c No. of the customer
By clicking on A/c Details icon
A/c Details Icon Click on A/c Details Icon the user can view various details
of the account
7
By clicking on Get Signatureicon
Get Signature Icon Click on Get Signature Icon the user can view the signatures
of the customer
When user presses Tab key after entering the A/c ID the system, the customers name is displayed
8 Amount Enter Amount Amount of cash deposited
Transaction The data entered here will reflect
9 Enter Transaction Particulars
Particulars in the passbook / statement
Transaction will be created with
Save Click on Save Button
entered status only
Transaction will be created as
Post Click on Post Button per the passing powers of the
user
The system will display all the
part trans and the user will be
Post by Part Click on Post by Part
allowed to select the part tran to
Transaction TransactionButton
be created in entered / posted
10 state
The user will be able to view any

List Exceptions Click on List Exceptions Button exception / error messages if any
for the transaction
By clicking on Cancel button the

system without creating a the
Cancel Click on Cancel Button
transaction will come out of the
details screen
33
506 - Process of Cash Receipt by a Teller (Contd)
11 Post Check Post Check Box Both the part trans are selected
Effective Available Bal. is
12 Refresh Balance Click on Refresh Balance Box
Refreshed
13 Information No Action Refreshed Balance is shown
By clicking on Submit button the
14 Submit Click on Submit Button system will create a transaction
and show the result screen
Main components of the result
screen are:
Transaction Status
15 Result Screen No Action Transaction ID
Status & No. of Part
Transactions Entered / Posted /
Verified / Deleted
507 - Process of Verification of Cash Receipt by a Teller

Notes:
The checker to invoke menu HCASHDEP by entering the same in Menu Shortcut field and Clicking
on Go.
System displays Cash Deposit criteria screen
Tran ID is an alpha numeric no.
2 Tran ID Enter Tran ID and the entire no. has to be
given by the user
System displays the Cash Deposit
3 Go Click on Go
details screen
4 Multiple Fields No
correctness of the transactions
Select L LIST ALL PART
5 Options
TRANSACTIONS from List Box
6 Go Click on Go Button Part Trans List is displayed
7 Display No Action Part Trans displayed
8 Back Click on Back Button Back to Transaction Maintenance
System displays the message
10 Result Screen No Action Transaction ID verified
successfully.
34
508 - Process of Cash Payment by a Teller
Notes:
The user to invoke menu HCASHWD and Click on Go.
System displays Cash Withdrawal criteria screen
Transaction Type / Select C/NP Cash Normal
2 -
Subtype Payment
The system displays Cash
3 Go Click on Go
Withdrawal details screen
Notes:
The Part Transaction Type radio button will be auto set to Debit by the system
After entering the account no. the balance and other details of the account will appear in the
bottom section of the details screen
4 A/c ID Enter A/c ID& Press Tab Key Customer name is displayed
of the account
5
By clicking on Get Signature icon
of the customer.
Amount mentioned on the

6 Amount Enter Amount
cheque
The data entered here will reflect
Transaction
7 Enter Transaction Particulars in the passbook / statement of
Particulars
the customer
Instrument Type Enter Instrument Type as CHQ
Enter Instrument Date as date
Instrument Date
given on the cheque
8 -
Enter Instrument Alpha / Serial
Instrument Alpha /
No. as 6 digit no. given on the
Serial No.
cheque
If any exception is encountered,
9 Post Click on Post Button Warning and Dialog Window is
displayed
10 Accept Click on Accept Button Transaction ID is displayed
successfully.
35
509 - Process of Verification of Cash Payment by a Teller
Notes:
The user to invoke menu HCASHWD and Click on Go.
1 Function Select V-Verify -
2 Transaction ID Enter -
Transactions Maintenance
3 Go Click on Go Button
Screen is displayed
4 Multiple Ascertain Details -
5 Submit Click on Submit Button Tran ID is verified
510 - Process of Creating a Transfer Transaction

Notes:
The user to invoke menu HXFER and Click on Go.
Transaction Type /
2 Select T/CI Customer Induced -
Subtype
System displays the Transfer
3 Go Click on Go
Transaction Details screen
Notes:
The Part Transaction Type radio button will be auto set to Debit by the system
After entering the account no. the balance and other details of the account will appear in the
bottom section of the details screen
4 A/c ID Enter A/c ID to be debited A/c No. of the customer
of the account
5
By clicking on Get Signature icon
of the customer.
Amount mentioned on the
6 Amount Enter Amount
cheque
Transaction
Particulars
the customer
36
510 - Process of Creating a Transfer Transaction (Contd)
Instrument Type Enter Instrument Type as CHQ -
Enter Instrument Date as date
Instrument Date
given on the cheque
8
Enter Instrument Alpha / Serial
Instrument Alpha /
No. as 6 digit no. given on the
Serial No.
cheque
The system displays Record 2
Click on Add button or right
details screen where the credit
9 Add/Next Record arrow icon next to the Record
part tran details will be added by
field
the user
A/c No. of the customer. Press

10 A/c ID Enter A/c ID to be credited Tab key. Customer details will be
populated
System will automatically change

Get Contra Amount the Part Transaction Type from
11 Click in Get Contra Amount icon
Icon Debit to Credit and also update
the amount field

Transaction
Particulars
the customer
The system will display the result

13 Post Click on Post
screen
Main components of the result

screen are:
Transaction ID
14 Result Screen No Action Transaction Status
Status & No. of Part Transactions
Entered / Posted / Verified /
Deleted
37
511 - Process of Verification of a Transfer Transaction
Notes:
The user to invoke menu HXFER and Click on Go.
Tran ID is an alpha numeric no.
2 Tran ID Enter Tran ID and the entire no. has to be
given by the user
System displays the Cash Deposit
3 Go Click on Go
details screen
Notes:
4 Record Click on Record Arrow System will display Record 2
Notes:

successfully.
511 - Process of Marking Stop Payment of Cheque/s

1 Menu Shortcut Enter Menu HSPP -
Stop Payment Processing criteria
2 Go Click on Go
screen appears
3 Function Select S Stop Pay -
Customer signatures can be
4 A/c ID Enter Customer Account No. verified by clicking on Signature
icon
5 Begin Cheque No. Enter the start cheque no. -
In case of marking stop payment
of more than one cheque, user
Enter No. of Leaves to be marked
6 No. of Leaves must take care that all requested
as stop
instruments should be in a serial
order
7 Go Click on Go Details screen appears
38
511 - Process of Marking Stop Payment of Cheque/s (Contd)
Various Cheque Enter cheque details like Chq
8 All details are optional
Details Date, Payee Name, Chq Amt
9 Reason Code Select Reason Code
appropriate reason code
10 Fee Click on Fee Tab System displays the Fee Details
System displays result screen.
User to note the Stop Payment
Ref No. Authorizer to verify the
same.
513 - Process of Verification of Marking Stop Payment of Cheque/s

1 Menu Shortcut Enter Menu HSPPAU -
Stop Payment Processing
2 Go Click on Go Authorization criteria screen
appears
System will auto-populate other
4 Ref No. Enter Ref No.
details
Authorizer to check the
6 Details Screen -
correctness of record
System shows the old and new
7 Cheque Details Click on Cheque Details
status of the cheque
System goes back to the details
8 Ok Click on Ok
screen
9 Fee Click on Fee Tab System displays Fee Details
System displays result screen.
Record is verified.
39
514 - Process of Inquiring Account Balance Details
Notes:
This option displays information about components of account balance of a customer
User to invoke menu HACCBAL by entering the same in the Menu Option field and clicking on
Go
1 A/c ID Enter A/c ID & Press Tab Key -
Account Balance Details is
2 Go Click on Go
displayed
The description of frequently used balance fields is given below:
This is the ledger balance. Interest is calculated considering this
Balance
amount.
Amount of uncleared outward clearing instruments (Shadow
Funds in Clearing
Balance)
Clear Balance Amount of Ledger Balance minus Funds in Clearing
Float Balance Amount of instruments lodged in outward clearing
Sanction Limit Amount of CC/ OD sanctioned
Drawing Power Amount derived from the securities linked to the account
Utilized Amount Amount of CC / OD utilized
Amount of Clear Balance plus DP minus lien amount minus
Available Balance
system reserved amount
Available Amt. In FFD Balance in Flexi Fixed Deposit A/c
Lien Amount Amount of Lien marked by the user
Effective Available Amt. Available Amt. plus Available Amt. in FFD
System Reserved Amount Amount carved after lodging inward clearing instruments
515 - Process of Teller Cash In Hand Account Balance Details

Notes:
User to invoke menu HSCWRPT/HSCWRPTA entering the same in the Menu Option field and
clicking on Go
HSCWRPT Generating for own
HSCWRPTA Generating for anybody/all
System will display Shroff Cash Report criteria screen
01. Entered Employee ID Display As the Menu option used is HSCWRPT
02. Part Transaction Select RadioButton In the above example we have
Payment/Receipts selected both
Details
03. Submit Click on Submit System will display result screen
04. Result Screen No Action The report generated can be viewed
using HPR menu
40
516 - Process of Inquiring On Financial Transactions
Notes:
User to invoke menu HFTI by entering the same in the Menu Option field and clicking on Go
System will display Financial Transaction Inquiry criteria screen
01. Criteria Screen Enter Required Criteria In the example we have entered
Transaction Type Cash Transaction.
Amt (Low) 5000 Transaction.
Amt(High) 50000
02. Go Click on Go Button Records of given Criteria displayed
03. Result Screen No Action Records of given Criteria displayed
517 - Process of Generating Financial Transactions Report

Notes:
User to invoke menu HFTR by entering the same in the Menu Option field and clicking on Go
System will display Financial Transaction Inquiry criteria screen
01. Criteria Screen Enter Required Criteria In the example we have entered
Transaction Type Cash Transaction.
Amt (Low) 5000 Transaction.
Amt(High) 50000
02. MRT File Name Click on Searcher Icon MRT Template File List window is
displayed
03. Option Value Click on the Hyper Link MRT File is selected
04. Go Click on Go Button Records of given Criteria displayed
05. Print Click on Print Button Report is generated
06. Result Screen No Action The report generated can be viewed
using HPR menu
518 - Process of Inquiring Account No. for a Cheque - HINQACHQ

Notes:
User to invoke menu HINQACHQ by entering the same in Menu Shortcut and clicking on Go
System displays Inquire A/c ID for a Cheque criteria screen
01. Cheque No. Enter Cheque No. -
02. Go Click on Go In the result screen the system will
display a list of account no. to which
the cheque has been issued
41
519Cheque Book, Transaction Menu Options
S.
No
Adhoc Cheque Book
1 HICHBA
Issue/Verification
2 Cash Deposit & Verification HCASHDEP
Cash Withdrawal &

3 HCASHWD
Verification
Transfer between customer
4 HXFER
accounts & Verification
Cheque Status
5 HUCS
Update/Verification
6 Cheque Book Inquiry HCHBM
Inquiry of an account for a
7 HINQACHQ
cheque
8 Stop Payment Recording HSPP
9 Stop Payment Verification HSPPAU
10 Financial Transaction Inquiry HFTI
Financial Transaction Inquiry
11 HFTR
and report
12 Account Ledger Inquiry HACLI
Component of Account
13 HACCBAL
Balance
14 Audit File Inquiry/Print HAFI/HAFP
42
6. Term Deposits and Topup Deposits
601 Key Terminology

Term Description
Interest Concepts Refer Chapter 8: Interest Concepts to understand Accrual, Booking
and Payment
Extension Extending the Maturity Date of a running term deposit
Flow Code This is associated with the financial transactions to the deposit
account.
This is to identify the type of transaction to and from a deposit
account
o Principal credit
o Interest credit to the deposit account
o Interest payment from deposit account etc.
Principal Inflow This flow corresponds to crediting deposit amount to the deposit
account for all types of deposits (except Recurring Deposits where it
is called Installment Inflow).
This flow happens only once to the account i.eat account opening.
Principal Outflow This flow is used for the payment of the deposit amount (principal).
Normally, this is used when interest is paid periodically to the
customer separately. So, on closure of the account the customer is
only entitled to receive the principal amount.
Interest Inflow This flow is used for Cumulative type of deposits where interest is
credited to the deposit itself and eligible for interest compounding
Interest Outflow This flow is used for paying periodical interest instead of capitalizing
it to the term deposit account.
Total Outflow This corresponds to the debit of closure proceeds which includes
principal and interest credited to the deposit account.
Trial Closure Process to simulate a closure to know the closure amount
Term deposit is not closed in this process
No transaction is created in this process
Printout of trial closure information can be taken
602- Opening of Term Deposit

1. Menu Shortcut Enter Menu HOAACTD -
2. Go Click on Go A/c Opening Term Deposits criteria screen
appears
3. CIF ID Enter the Customer ID CIF IDis mandatory for opening any customer
A/c
4. Scheme Code Select Scheme Code Scheme Code should be selected with the help
of the searcher as it will populate the GL Sub
Head Code
43
602 - Term Deposit Account Opening (Contd)
5. Go Click on Go Details screen appears and system
displays General Details Tab
Notes:
General, Interest& Tax, Scheme, Flow, Renewal & Closure, No+C10mination and Related Party
Tabs are mandatory even if there are no field updates to be done
Select the appropriate code from a
list.
Interest & Tax Details Click on Interest& Tax Details System displays the Interest & Tax
7
Tab Tab Details Tab
8 Pegging Frequency Enter TD Duration in MM/DD -
This account will be used by
9 Interest Credit A/c ID Enter SB / CA A/c (optional) system for crediting monthly /
quarterly interest
10 Scheme Tab Click on Scheme Tab
Details screen
Enter Months in first field and/or Once Tab key is pressed, system
11 Deposit Period
Days in second field will populate the maturity date
Enter the Principle Amount for
Deposit/Installment
12 fixed deposit or Installment -
Amt.
Amount for Recurring Deposit
This account is used for crediting

13 Repayment A/c ID Enter SB / CA A/c (optional)
the proceeds at the time of closure
If Yes is selected then move to

Nomination Tab and enter the
14 Nomination Default set as Yes
relevant nomination details as
shown in the screen shot below
System displays the flow details
15 Flow Tab Click on Flow Tab
screen
Click on any Interest Flow code
16 Flow Amt -
entry (II/IO)
System opens a window in which
17 Explode Button Click on Explode button interest rate applied on the TD will
be displayed
Note: Flow codes will be generated automatically by the system as per the TD scheme code selected
Renewal & Closure System opens the Renewals &
18 Click on Renewal & Closure Tab
Tab Closure details screen
System displays the Related
Party screen
44
602 - Term Deposit Account Opening (Contd)
21 New A/c ID No Action the system. Authorizer to verify
the same.
603 - Verification opening of a new Term Deposit Account

Notes:
The user to invoke menu HOAACVTD by entering the same Menu Shortcut field and Clicking on
Go.
System displays A/c Authorization - TD criteria screen
2 Temporary A/c ID Enter Newly Opened TD A/c No. -
4 General Tab Auto populated details entered by the maker are
correct
5 Interest & Tax Tab Click on Interest & Tax Tab details entered by the maker are
correct
6 Scheme Tab Click on Scheme Tab details entered by the maker are
correct
7 Flow Tab Click on Flow Tab details entered by the maker are
correct
Renewal & Closure
8 Click on Renewal & Closure Tab details entered by the maker are
Tab
correct
9 Nomination Tab Click on Nomination Tab details entered by the maker are
correct
10 Related Party Tab Click on Related Party Tab details entered by the maker are
correct

45
604 - Process of Funding TD A/c By Cash& Verification HCASHDEP
Notes:
The process of funding and verification of the transaction is similar to cash deposit process in SB a/c
as discussed earlier in Transactions
User to give the TD A/c No. in A/c ID field
605 - Process of Funding TD A/c By Transfer & Verification HXFER

Notes:
The process of funding and verification of the transaction is similar to cash deposit process in
Transactions
606 - Process of Printing TD Receipt HDRP

Before printing the deposit receipt, the user has to make sure that the FDR inventory is available in
the branch location.
User to invoke menu HDRP by entering the same in Menu Shortcut field and clicking on Go
System displays Deposit Receipt Print criteria screen

Press Tab key. System displays
From A/c ID To A/c
1 Enter TD A/c No. a/c title. Alternatively user can
ID
enter the CIF ID in CIF ID field
System displays the next details
2 Go Click on Go
screen
Select the record by clicking on
3 Print Entry -
the Check Box
System displays next details
4 Accept Click on Accept button
screen
Confirm the no. mentioned in
Print Srl No. matches with the User to make sure that both nos.
5 Print Srl. No.
no. mentioned on the physical match each other
FDR
System generates the print
preview
System prints the receipt and
7 Print Click on Print button
confirms
46
607 - Process of Printing Duplicate TD Receipt HDUDRP
Before printing the deposit receipt, the user has to make sure that the FDR inventory is available in
the branch location.
User to invoke menu HDUDRP by entering the same in Menu Shortcut field and clicking on Go
System displays Deposit Receipt Print (Duplicate) criteria screen

Press Tab key. System displays
From A/c ID To A/c
1 Enter TD A/c No. a/c title. Alternatively user can
ID
enter the CIF ID in CIF ID field
System displays the next details
2 Go Click on Go
screen
Select the record by clicking on
3 Print Entry -
the Check Box
System displays next details
4 Accept Click on Accept button
screen
Confirm the no. mentioned in
Print Srl No. matches with the User to make sure that both nos.
5 Print Srl. No.
no. mentioned on the physical match each other
FDR
System generates the print
preview
System prints the receipt and
7 Print Click on Print button
confirms
608 - Process of Modification & Verification of Existing TD A/c HACMTD

Notes:
The process of modification and verification of the existing TD a/c is similar to the processes as
discussed earlier in CASA A/c Opening & Modification
While verifying the modified record the authorizer will compulsorily have to visit General, Interest &
Tax, Scheme, Renewal & Closure, Nomination, Related Party & Addl. Info Tabs even if there were no
modifications conducted in these Tabs.
47
609 - Process of TD Extension HTDEXT
Notes:
The user to invoke menu HTDEXT by entering the same in Menu Shortcut field and Clicking on
Go.
System displays Term Deposit Extension criteria screen
1. Function Select E Extend -
2. A/c ID Enter TD A/c No. -
3. Go Click on Go The system displays Term
Deposit Extension details screen
4. New Deposit Period Enter Months in left field or Days -
in right field
5. Submit Click on Submit System displays a warning
message
6. Accept Click on Accept System displays the result

window
609 - Process of Verification of TD Extension HTDEXT

Notes:
The user to invoke menu HTDEXT by entering the same in Menu Shortcut field and Clicking on
Go.
System displays Term Deposit Extension criteria screen
1. Function Select V - Verify -
2. A/c ID Enter TD A/c No. -
3. Go Click on Go The system displays Term
Deposit Extension details screen
4. Submit Click on Submit System displays a warning
message
5. Accept Click on Accept System displays the result

window
Note the new TD details A/c ID, Deposit Amount, Maturity Date & Maturity Amount
System has closed the previous TD A/c
48
610 - Process of TD Account Closure HCAACTD
The user to invoke menu HCAACTD by entering the same Menu Shortcut field and Clicking on Go.
System displays A/c Closure Authorization Deposit A/cs criteria screen

Trial closure option can be used
1 Function Select Z Close
to simulate the closure
Signatures icon
System will populate the User can modify the amount in
3 Withdrawal Amt.
principal amount case of Partial Withdrawal
System displays Closure Details
5 Closure Details Click on Closure Details Tab
screen
In case Repayment A/c is
Select Cash / Repayment A/c
6 Close Mode selected then system will ask
Only
user to enter Repayment A/c ID
Enter A/c ID in which funds are
7 Repayment A/c ID -
to be credited
System displays Closure
8 Closure Exceptions Click on Closure Exceptions Tab
Exceptions window
9 Closure Reason Code Select Reason Code Use searcher to select the code
10 Closure Remarks Enter appropriate Remarks This is a free text field
System displays Exceptions
window
Click on Accept. System displays result screen with transaction details. Note that Tran ID is
generated only after authorizer has verified the activity.
611 - Process of Verification of TD Account Closure HCAACVTD

The user to invoke menu HCAACVTD by entering the same Menu Shortcut field and Clicking on
Go.
System displays A/c Closure Authorization Deposit A/cs criteria screen
1 Function Select V _ Verify
2 A/c ID Enter A/c No. closed
System will populate the User can modify the amount in
4 Withdrawal Amt.
principal amount case of Partial Withdrawal
49
611 - Process of Verification of TD Account Closure HCAACVTD (Contd.)
System displays Closure Details
5 Closure Details Click on Closure Details Tab
screen
6. Various Fields Check that data entered is -
correct
7. Closure Exceptions Click on Closure Exceptions Tab System displays Closure
Exceptions window
8. Various Fields Check that data entered is -
correct
9. Submit Click on Submit System displays Exceptions
window
612 - Process of TDS Inquiry HTDSIP
The user to invoke menu HTDSIP by entering the same Menu Shortcut field and Clicking on Go.
System displays Tax Report Options criteria screen

1 User will get hyperlinks to various TDS related Inquiries and Reports
2 Inquiry
3 Enter Period From & To and A/c ID. Click on Go
4 Click on Explode icon. TDS Inquiry and Printing details window opens.
5 Print Tax Certificate Customer Level
6. Enter From & To CIF ID and Period From & To. Click on Go for Inquiry or Print for Printing.
The print file will be generated and can be printed using HPR menu.
7. Click on Explode icon. TDS Inquiry and Printing details window opens
8. View of Print File from HPR
613 - Topup Deposit Account Opening

1 Menu Shortcut Enter Menu HOAACTU -
A/c Opening Term Deposits
2 Go Click on Go
any customer A/c
50
613 - Topup Deposit Account Opening (Contd.)
Code
Tab
a list.
Interest & Tax Details Click on Interest& Tax Details System displays the Interest &
7
Tab Tab Tax Details Tab
8 Pegging Frequency Enter Duration in MM/DD -
This account will be used by
9 Interest Credit A/c ID Enter SB / CA A/c (optional) system for crediting monthly /
quarterly interest
10 Scheme Tab Click on Scheme Tab
Details screen
Enter Months in first field and/or Once Tab key is pressed, system
11 Deposit Period
Days in second field will populate the maturity date
Initial Deposit
12 Enter Initial Deposit Amount -
Amt.(IDA)
13 Installment Amt. Enter Installment Amount
This account is used for crediting
13 Repayment A/c ID Enter SB / CA A/c (optional) the proceeds at the time of
closure
If Yes is selected then move to
Nomination Tab and enter the
14 Nomination Default set as Yes
relevant nomination details as
shown in the screen shot below
System displays the flow details
15 Flow Tab Click on Flow Tab
screen
Click on any Interest Flow code
16 Flow Amt -
entry (II/IO)
System opens a window in which
17 Explode Button Click on Explode button interest rate applied on the TD
will be displayed
Note: Flow codes will be generated automatically by the system as per the TD scheme code
selected
Renewal & Closure System opens the Renewals &
18 Click on Renewal & Closure Tab
Tab Closure details screen
51
613 - Topup Deposit Account Opening (Contd.)
System displays the Related
Party screen
21 New A/c ID No Action the system. Authorizer to verify
the same.
614 - Verification opening of a new Topup Deposit Account

Notes:
The user to invoke menu HOAACVTU by entering the same Menu Shortcut field and Clicking on
Go.
System displays A/c Authorization - TU criteria screen
Enter Newly Opened TOPUP A/c
No.
4 General Tab Auto populated details entered by the maker are
correct
5 Interest & Tax Tab Click on Interest & Tax Tab details entered by the maker are
correct
6 Scheme Tab Click on Scheme Tab details entered by the maker are
correct
7 Flow Tab Click on Flow Tab details entered by the maker are
correct
Renewal & Closure
8 Click on Renewal & Closure Tab details entered by the maker are
Tab
correct
9 Nomination Tab Click on Nomination Tab details entered by the maker are
correct
10 Related Party Tab Click on Related Party Tab details entered by the maker are
correct
52
614 - Verification opening of a new Topup Deposit Account (Contd.)
615 - Process of Modification & Verification of Existing TD A/c HACMTU

Notes:
The process of modification and verification of the existing TOPUP a/c is similar to the processes as
discussed earlier in CASA A/c Opening & Modification
User to give the TOPUP A/c No. in A/c ID field
While verifying the modified record the authorizer will compulsorily have to visit General, Interest &
Tax, Scheme, Renewal & Closure, Nomination, Related Party & Addl. Info Tabs even if there were no
modifications conducted in these Tabs.
616 - Process of Funding Topup Deposit

1 Menu Shortcut Enter Menu HTUTM -
Top up Deposits Transaction
2 Go Click on Go
Maintenance screen Displayed
Transaction Type /
4 Select C/NR Normal Receipt Select appropriately
Subtype
5 Go Click on Go
6 A/c ID Enter A/c ID A/c No. of the customer
of the account
7
By clicking on Get Signatureicon
of the customer
8 Source A/c ID Enter A/c ID In case of Transfer
9 Amount Enter Amount Amount of deposit
System automatically selects I-Initial Deposit for new account
10 Installment Type according to the nature of N-Normal Installment
amount deposited T-Topup Installment
Transaction will be created with
11 Post Click on Post Button
posted status only
53
617 - Process of Verification of Funding Topup Deposit
1 Menu Shortcut Enter Menu HTUTM -
2 Go Click on Go
3 Function Select V - Verify -
4 Tran ID Enter the Tran ID
Maintenance Screen is displayed
5 Submit Click on Submit Tran ID is verified
618 - Process of Inquiry of Installment on Topup Deposit

1 Menu Shortcut Enter Menu HTINST -
2 Go Click on Go
3 From A/c.ID Enter Topup A/c ID -
4 To A/c. ID Enter Topup A/c ID
Topup Installment Inquiry Screen
5 Go Click on Go
Displayed
Shows information on the
6 Result No Action
installments
619Term Deposit and Topup Deposit Menu Options

S.
No
1 Opening of New A/c TD HOAACTD
Modification before
2 TD HOAACMTD
Verification of a new a/c
3 Verifications of New A/c TD HOOACVTD
Modification/Verification of
4 TD HACMTD
an Existing Account
5 Deposit Receipt Printing TD HDRP
Duplicate Deposit Receipt
6 TD HDUDRP
Print
7 TD Extension/Verification TD HTDEXT
8 TD Renewal/Verification TD HTDREN
9 Closure of TD TD HCAACTD
10 Verification of Closure TD HCAACVTD
11 TDS Inquiry and Printing TD HTDSIP
12 TDS Projection TD HTDSPROJ
54
619Term Deposit and Topup Deposit Menu Options (Contd)
S.
No
1 Opening of New A/c Topup HOAACTU
Modification before
2 Topup HOAACMTU
Verification of a new a/c
3 Verifications of New A/c Topup HOOACVTU
Modification/Verification of
4 Topup HACMTU
an Existing Account
5 Deposit Receipt Printing Topup HDRP
Duplicate Deposit Receipt
6 Topup HDUDRP
Print
7 Topup Extension/Verification Topup HTDEXT
8 Topup Renewal/Verification Topup HTDREN
9 Closure of Topup Topup HCAACTD
10 Verification of Closure Topup HCAACVTD
11 TDS Inquiry and Printing Topup HTDSIP
12 TDS Projection Topup HTDSPROJ
55
7. Remittances (RTGS/NEFT/SWIFT)
701 - Remittances (RTGS/NEFT)

1 Menu Shortcut Enter Menu HPORDM -
Payment Order Maintenance
2 Go Click on Go
4 Payment Product Select Customer Transfer -
5 Go Click on Go
screen
6 Debit A/c Enter Debit A/c Enter customer a/c
Requested Execution
7 Enter Date -
Date
8 Remittance Amount Enter Amount -
Instrument Type Enter CHQ
Optional in case customer has
9 Instrument Srl No. Enter Chq. No.
given cheque
Instrument Date Enter Chq. Date
10 Debit Execution Date Enter Date -
11 Credit Execution Date Enter Date -
12 Credit Value Date Enter Date -
13 Beneficiary Details -
14 Address Type Select Name and address Select appropriate type
Enter Name of the
15 Name -
beneficiary
16 Address Enter Address 1,2 and 3
17 Country Enter -
18 Account with Institution -
19 Address Type Select BIC
Select BIC Code using the Beneficiary's Bank codes are
20 BIC
appropriate Paysys auto populated
21 A/c ID Enter Beneficiary's account number
Select RTGS / NEFT as
22 Mode of Payment
required
Method of Payment
23 Click System Radio Button
Derivation
24 Fetch Button Click on Fetch Button
25 Our Correspondent BIC No Action Auto populated
26 Our Correspondent Bank No Action Auto populated
Our Correspondent
27 No Action Auto populated
Branch Code
56
701 - Remittances (RTGS/NEFT) (Contd)
28 Credit A/c ID No Action Auto populated
29 Charges Option Select Our -
30 Charge Code No Action Auto populated
Click on View Charges Charges Details Screen
31 View Charges
button Displayed
32 Submit Click on Submit Charges accepted
33 Submit Click on Submit Payment Order ID is generated
702 - Remittances (RTGS/NEFT)

1 Menu Shortcut Enter Menu HPORDM -
3 Payment Order ID Enter
Payment Order Maintenance
4 Go Click on Go
5 Various Fields Ascertain the details entered -
6 View Charges Click on View Charges button Charges Details Screen Displayed
7 Submit Click on Submit Charges accepted

8 Submit Click on Submit Payment Order ID is verified
57
8. Standing Instructions
801 - Standing Instruction

1 Menu Shortcut Enter Menu HSSIM -
Standing Instruction Maintenance
2 Go Click on Go
3 Function Select A - Add -
Standing Instruction
5 Click on Customer Induced -
Type
Enter CIF ID of customer whose
account is to be debited
7 Select appropriately -
Frequency
8 Execution Time Select appropriately -
Next Execution Date
9 Enter appropriately -
End Date
Click on Instructions Details System displays the screen for giving
10 Instructions Details Tab
Tab transaction details
11 CCY Select INR -
Enter A/c No. which is to be debited.

User to note that this a/c no. should
12 A/c ID Enter Customer Account No. be linked to the CIF Id entered in the
details screen earlier in step no. 6 of
this section
System would have auto-

13 Debit / Credit -
selected Debit
14 Amount Type Select Fixed -
15 Amt. Enter Debit Part Tran Amt. -
System displays the debit part tran
16 Add Click on Add button and empties the field to enter credit
part tran
17 CCY Select INR -
Enter A/c No. which is to be
18 A/c ID Enter Customer Account No.
credited.
19 Debit / Credit Click on Credit -
Click on Validate button. System
20 Amount Type Select C Contra Balancing
displays the credit part tran.
21 Submit Click on Submit SI Serial No is generated
58
802- Verification of Standing Instruction
1 Menu Shortcut Enter Menu HSSIM -
2 Go Click on Go Maintenance criteria screen
appears
Standing Instruction Srl Enter the No. generated by
4 -
No. the maker
5 Various Fields correctness of data entered by -
maker
Click on Instructions Details System displays the part trans
6 Instructions Details Tab
Tab entered by the maker
Click on Submit. System
7 Instructions Details correctness of details entered
displays the result screen.
by maker
59
9. Outward Guarantee Maintenance
901 Outward Guarantee Maintenance

1 Menu Shortcut Enter Menu OGM -
Outward Guarantee Maintenance
2 Go Click on Go
3 Function Select A - Add -
4 Guarantee Type Select/Enter
5 CCY Select/Enter
6 CIF ID Select/Enter
8 A/c ID Select/Enter -
9 Guarantee Amt. Enter the amount
10 Party Details Tab Click Party Details Tab Displayed
11 Beneficiary Details Enter Name of CIF ID
12 Name and Address Enter the details
13 Guarantee Details Tab Click Guarantee Details Tab Displayed
14 Purpose of Guarantee Enter
15 Guarantee Class Select Use Searcher
16 Applicable Rules Select Use List Box
17 Expiry Date Select/Enter
18 Charge Details Tab Click Charge Details Tab Displayed
19 Submit Click on Submit Button Guarantee No. is generated
902 Outward Guarantee Maintenance Verification

2 Go Click on Go
4 Guarantee No Select/Enter
6 General Details Tab Ascertain the details
7 Guarantee Amt. Enter the amount
8 Party Details Tab Click Party Details Tab Displayed
9 Party Details Tab Ascertain the details
10 Guarantee Details Tab Click Guarantee Details Tab Displayed
11 Guarantee Details Tab Ascertain the details
13 Charge Details Tab Ascertain the details
14 Submit Click on Submit Button Guarantee is Verified
60
903 Outward Guarantee Maintenance Mark Invoke
2 Go Click on Go
3 Function Select G Mark Invoke -
5 Go Click on Go Mark Invocation screen appears
6 Invocation Amt. Enter the amount invoked
Guarantee No. Invoke marked
7 Submit Click on Submit Button successfully
904 Outward Guarantee Maintenance Mark Invoke Verification

2 Go Click on Go
5 Go Click on Go Mark Invocation screen appears
6 Mark Invocation Tab Ascertain details
7 Submit Click on Submit Button Guarantee verified successfully
905 Outward Guarantee Maintenance Invoke

2 Go Click on Go
3 Function Select N Invoke -
5 Go Click on Go Invocation screen appears
7 Charge Details Tab No Action System has calculated the charges
8 Submit Click on Submit Button Invoked successfully
61
906 Outward Guarantee Maintenance Invoke Verification
2 Go Click on Go
5 Go Click on Go Invocation screen appears
6 Invocation Tab Ascertain details
7 Charge Details Tab Ascertain details
8 Submit Click on Submit Button Invoked successfully
62
10.Loan Account Maintenance
1001 Term Loan Module Key Terms

Term Description
Equated Monthly EMI is a method of loan repayment
Installment EMI Customer deposits equal installment amount every month
Each EMI comprise of a principal portion and an interest portion
Rephasement of Loan Change of repayment schedule
Prepayment Repayment of loan by the borrower ahead of schedule
It can be done partially or fully
Asset Classification Each loan account is an asset to the bank
This has to be monitored very closely so that bank is not put to any
risk of losing the money advanced to the borrower
Yet there may be situations where borrowers may default on
making timely payments or security value falls below the acceptable
limits etc.
Over a period of time the loan portfolio of a bank acquires a feature
where loan accounts require different levels of monitoring
Hence every advance is a bank is classified in a category for the
purpose of monitoring
This process of classification is called Asset Classification
Flows Every transaction debit or a credit to loan is known as flow
Every flow has a code
Categories of flow are:
o Disbursement
o Collection
o Demand
o Equated Installments
o Transfer
Disbursement Release of loan amount to the borrower based on terms of sanction
Can be single or multiple
It is a debit transaction
Demand Demand made on the customer for loan amount due
Demand can be of following types:
o Principal demand
o Interest demand
o Bank Charges demand
o Other Charges demand
Collection Recovery of amount to a loan account
Transfer At times loan account goes into credit balance
Debit to such loan account is called transfer
63
1002 - Process of Opening of a Loan Account HOAACLA
1. Menu Shortcut Enter Menu -
HOAACLA
2. Go Click on Go A/c Opening Term Loans criteria
screen appears
3. CIF ID Enter the Customer ID CIF ID is mandatory for opening any
customer A/c
4. Scheme Code Select Scheme Code Scheme Code should be selected with
the help of the searcher as it will
populate the GL Sub Head Code
5. Sanction Reference No. Enter Sanction This was generated as per the previous
Reference No. step
6. Go Click on Go Details screen appears and system
displays General Details Tab
Notes:
General, A/c Interest, Loan Details, LA Interest, Payment Schedule, Refinance & Subsidy, MIS
Codes, Document, Account Limits, and Related Party Details Tabs are mandatory even if there are
no field updates to be done
7. A/c Statement Select appropriately -
from the drop down
menu
8. Mode of Operation Click on Searcher icon Select the appropriate code from a list.
9. A/c Interest Tab Click on A/c Interest System displays the A/c Interest Tab
Tab
10. Loan Details Click on Loan Details System displays Loan Details Tab
Tab
11. Loan Amt. Enter Loan Amt. Enter amount as per sanction terms
12. Loan Period Enter Loan Period Enter period as per sanction terms
13. LA Interest Tab Click on LA Interest Tab System displays LA Interest Tab
64
1002 - Process of Opening of a Loan Account HOAACLA (Contd)
14. Payment Plan Tab Click on Payment Plan System displays Payment Plan Tab
Tab
The Payment Plan tab is customized based on product features. The user should not disturb the
values.
15. Payment Schedule Click on Payment System displays Payment Schedule
Schedule Button Tab
16. Amortization Schedule Click on Amortization System displays Loan Amortization
Schedule Button Schedule
17. Scroll Bar Slide the Scroll Bar System displays Payment Schedule
down and Click on Ok screen
18. Validate Click on Validate System displays EMI Details window
button
19. Ok Click on Ok System displays Payment Schedule
Tab
20. MIS Codes Click on MIS Codes Tab System displays MIS Codes Tab
21. Various Codes Enter the MIS Codes as Searcher can be used to select the
appropriate appropriate codes
22. Documents Tab Click on Documents System opens the Documents details
Tab screen
23. Documents Details Enter Documents Refer steps 22 to 25 of Section 12.4.5 of
Details Chapter 12: Temporary OD, CC & OD
Accounts
24. Related Party Details Click on Related Party System displays Related Party Details
Details Tab Tab
Notes:
Holder (covered separately in Section 3.3.9 earlier in the Chapter 3: CASA Accounts Opening &
Modification)
25. Submit Click on Submit System creates a Temporary A/c No.
and displays the same on the result
screen
1003 - Process of Modification Before Verification of a Newly Opened Loan Account - HOAACMLA
Notes:
The process is similar to the one discussed earlier in Process 302: CASA A/c Opening &
Modification
65
1004 - Process of Verification of Newly Opened Loan Account HOAACVLA
1. Menu Shortcut Enter Menu -
HOAACVLA
2. Go Click on Go System displays A/c Authorization
Term Loans criteria screen
3. Function Select V Verify
4. Temporary A/c ID Enter Newly Opened -
Loan A/c No.
5. Go Click on Go General Details screen appears
6. General Tab Auto populated Authorizer to check that all details
entered by the maker are correct
7. A/c Interest Tab Click on Interest Tab Authorizer to check that all details
8. Loan Details Tab Click on Loan Details Authorizer to check that all details
Tab entered by the maker are correct
9. LA Interest Click on LA Interest Tab Authorizer to check that all details
10. Payment Plan Click on Payment Plan Authorizer to check that all details
Tab entered by the maker are correct
11. Payment Schedule Click on Payment Authorizer to check that all details
Schedule Tab entered by the maker are correct
12. Refinance & Subsidy Click on Refinance & Authorizer to check that all details
Subsidy Tab entered by the maker are correct
13. MIS Codes Tab Click on MIS Codes Tab Authorizer to check that all details
14 Related Party Details Click on Related Party Authorizer to check that all details
Tab Tab entered by the maker are correct
15 Document Details Tab Click on Document Tab Authorizer to check that all details
17 Verified A/c ID No Action After authorization the A/c No.
Notes:
It is mandatory to visit General, A/c Interest, Loan Details, LA Interest, Payment Schedule,
Refinance & Subsidy, MIS Codes, Document, Account Limits, and Related Party DetailsTabs even if
no operations are performed by the maker in these tabs
Similarly it is mandatory to visit all tabs which are checked
66
1005 - Process of Loan Disbursements HLADISB
1. Menu Shortcut Enter Menu HLADISB -
2. Go Click on Go System displays Loan Disbursement
Details criteria screen
3. Function Select D -
Disbursement
4. A/c ID Enter Loan A/c No. -
5. Disbursement Amt. Enter Loan -
Disbursement Amount
6. Transaction Type Click on Cash or If Transfer is selected Credit A/c ID is to
Transfer Radio button be given after step no. 7
7. Accept Click on Accept button System displays Loan Fee Assessment
Details screen
8. Go Click on Go System displays Loan Rebate
Assessment details
9. Accept Click on Accept System displays loan disbursement
details screen
10. Accept Click on Accept System displays Loan Disbursement
Transactions
11. Submit Click on Submit System displays the result screen.
1006 - Process of Verification of Loan Disbursements HLADISB

1. Menu Shortcut Enter Menu HLADISB -
2. Go Click on Go System displays Loan Disbursement
Details criteria screen
3. Function Select V Verify -
4. A/c ID Enter Loan A/c No. System populates the disbursement
details once Tab key is pressed.
Authorizer to verify that all details
entered by maker are correct.
5. Go Click on Go System displays Loan Rebate
Assessment details
6. Accept Click on Accept System displays loan disbursement
details screen
7. Accept Click on Accept System displays Loan Disbursement
Transactions
8. Submit Click on Submit System displays the result screen. User
to note the Tran ID generated by the
system.
67
1007 - Process of Modification of a Loan Account HACMLA
1. Menu Shortcut Enter Menu HACMLA -
2. Go Click on Go System displays Customer A/cs
maintenance for Term Loans criteria
screen
3. Function Select M Modify -
4. A/c ID Enter Loan A/c ID -
5 Appropriate Tab Click on Appropriate Eg. Document Tab is clicked here
Tab for modifying the
details
6 Various Fields Enter the relevant data Eg. Here Add button is clicked to add
another document record
7 Submit Click on Submit System modifies the record. Authorizer
to check the modification.
Authorizer to invoke menu HACMLA and select function verify to retrieve the data. Click on the
same Tab visited by the maker and check the correctness of the data entered. Upon clicking on
Submit button, system will verify the modification.
1008 - Process of Posting Loan Repayment Transaction (Unscheduled) HLAUPAY

1. Menu Shortcut Enter Menu HLAUPAY System displays Loan Unschedule
Payment criteria screen
2. Payment Type Select P Payment -
3. Transaction Type Select Cash or Transfer In case of a transfer system will ask the
user to give Common Debit A/c. Enter
operative account of the customer.
4. Go Click on Go System displays the details screen
5 Loan A/c ID Enter Loan A/c Id -
6 Credit Amt. Enter Amount In case of cheque deposit, instrument
details can be entered on this screen
7 Accept Click on Accept button System displays the adjusted amount
section of the screen. Note the new
loan outstanding after the partial
payment is deposited in the account.
8 Summary Information Click on Summary User can view the transaction details
Information
9 Back Click on Back System goes back to the details screen
10 Submit Click on Submit System displays the result screen. User
to note the Tran Id.
68
1009 - Process of Verification of Loan Repayment (Unscheduled) Transaction HLAUPAY
1. Menu Shortcut Enter Menu HLAUPAY System displays Loan Unschedule
2. Payment Type Select V Verify -
3. Transaction ID Enter Transaction ID -
5 Various Fields Check Data Entry Authorizer to check that data entered
by the maker is correct
Information
8 Submit Click on Submit System displays the result screen. Tran
ID is verified
1010 - Process of Posting Loan Repayment Transaction (Schedule) HLASPAY

1. Menu Shortcut Enter Menu HLASPAY System displays Loan Schedule
2. Payment Type Select S Payment
3. Transaction Type Select Cash or Transfer In case of a transfer system will ask the
user to give Common Debit A/c. Enter
operative account of the customer.
5 Loan A/c ID Enter Loan A/c Id -
6 Credit Amt. System auto populates -
7 Accept Click on Accept button System displays the adjusted amount
section of the screen.
Information
10 Submit Click on Submit System displays the result screen. User
to note the Tran Id.
1011 - Process of Verification of Loan Repayment Transaction (Schedule) HLASPAY

Notes:
User to invoke menu HLASPAY by entering the same in Menu Shortcut field and clicking on Go
System displays Loan Schedule Payment criteria screen
User to follow the process as 1008 from step 2
69
1012 - Process of Rescheduling Loan A/c - HLARA
Notes:
The user to invoke menu HLARA by entering the same in Menu Shortcut field and Clicking on
Go.
System displays Amendment / Rescheduling of Loans criteria screen
1 Function Select R Rescheduling -
2 Reschedule By Select I Adjusting EI -
Amt
3 A/c ID Enter Loan A/c Id -
4 Rescheduling Date EnterDate -
5 Reason Code Select Reason Code Searcher can be used to select the
code
7 Payment Details Click on Payment Details -
tab
8 Installment Amt Note the revised Note that original installment amt
Installment Amt. was Rs. 7148/- as per step 19
section 13.4.2
9 Submit Click on Submit System will display result screen.
1013 - Process of Verification of Rescheduling Loan A/c - HLARA

Notes:
The user to invoke menu HLARA by entering the same in Menu Shortcut field and Clicking on
Go.
System displays Amendment / Rescheduling of Loans criteria screen
3 Go Click on Go System displays details screen.
Check the data displayed.
70
1014 - Process of Loan Payoff Process HPAYOFF
Notes:
The user to invoke menu HPAYOFF by entering the same in Menu Shortcut field and Clicking on
Go.
System displays Loan Payoff Processing criteria screen
1 Function Select P Payoff Loan Amt -
3 Transaction Type Select Cash or Transfer If Transfer is selected then enter Collect
/ Refund A/c Id
4 Go Click on Go System will display criteria screen.
Payoff amount can be seen here.
5 Create Transaction Click on Create Transaction System shows the transaction details
button
6 Submit Click on Submit System shows the result screen.
Checker to verify.
1015 - Process of Verification of Loan Payoff Process HPAYOFF

Notes:
The user to invoke menu HPAYOFF by entering the same in Menu Shortcut field and Clicking on
Go.
System displays Loan Payoff Processing criteria screen
3 Go Click on Go System will display criteria screen.
Authorizer to check details are correct.
4 Create Transaction Click on Create Transaction System shows the transaction details
button
5 Submit Click on Submit System shows the result screen. Tran ID
is generated.
71
1016 - Process of Loan A/c Closure - HCAACLA
Notes:
The user to invoke menu HCAACLA by entering the same in Menu Shortcut field and Clicking on
Go.
System displays Close Loan A/c Inquiry criteria screen
1 Function Select Z Close -
2 A/c Id Enter Loan A/c ID -
4 Closure Remarks Enter appropriate Closure -
Remarks
1017 - Process of Verification of Loan A/c Closure - HCAACLA

Notes:
The user to invoke menu HCAACLA by entering the same in Menu Shortcut field and Clicking on
Go.
System displays Close Loan A/c Inquiry criteria screen
2 A/c Id Enter Loan A/c ID -
4 Closure Remarks Check for correctness of data -
entered by maker
72
1018 Loan Accounts Menu Options
1 Opening of Loan Account Loan HOAACLA
2 Verification of Loan a/c opened Loan HOAACVLA
Loan Disbursal / Reversal & HLADISB
Loan
3 Verification
Loan A/c Modification & HACMLA
Loan
4 Verification
Unscheduled Loan Repayment & HLAUPAY
Loan
5 Verification
Scheduled Loan Repayment & HLASPAY
Loan
6 Verification
Rescheduling of Loans & HLARA
Loan
7 Verification
Interest Calculation Demand HLADGEN
Loan
8 Generation
9 Interest Calculation Adhoc Loan HACINT
Loan Maturity Processing & HLAMATP
Loan
10 Verification
Settlement of Loan A/c & HPAYOFF
Loan
11 Verification
12 Loan Account Closure & Verification Loan HCAACLA
13 Loan Overdue Position Inquiry Loan HLAOPI
14 Loan General Inquiry Loan HLAGI
15 Repayment Schedule Report Loan HLARSH
73
11.Bill Maintenance
1101 Bill Maintenance Key Terminologies

Term Description
Bill ID Any entity, when lodged in the system is given a Reference No. by the
system.
Any further operation in the said entity is performed only when this Bill
ID is quoted
Purchase The amount is tendered to the customer prior to the realization of the bill
It involves recovery of interest, crystallization, recovery of principal
Collection The amount is tendered to customer only after the instrument is realized
It involves levy of charges
Purchase When currency comes into the bank
Reporting Bank buys currency from customer
Sale Reporting When currency goes out of the Bank
Bank sells currency to the customer
Nostro When bank A opens an account with bank B in another country, then
Account for bank A it is a nostro a/c
Vostro For bank B, bank As a/c with them is a vostro a/c
Account This account is maintained in the currency of the country where bank B
is situated
The account is used to settle transactions in that particular currency
1102 - Process of Lodging Outward Bills MEOB

1. Menu Shortcut Enter Menu MEOB -
2. Go Click on Go System displays Details criteria screen
3. Function Select G Lodge -
4. Bill Type Select -
5. Bill CCY Enter Bill Currency -
6. CIF ID Enter CIF ID
7. Go Click on Go General Details Tab appears
8. Operative A/c ID Enter
9. Bill Amt. Enter
10. Bill Country Enter
11. Party Details Tab Click on Party Details Party Details Tab appears
Tab
12 Drawee Details Enter /Select
13 Collecting Bank Details Enter/Select
14 Tenor Details Tab Click on Tenor Details Tenor Details Appear
Tab
15 Grace Days Enter
16 Bill Date Enter
74
1102 - Process of Lodging Outward Bills MEOB (Contd)
17 Bill Details Click on Bill Details Tab Bill Details Tab Appears
18 Invoice Amt Enter
19 Invoice No Enter
20 Invoice Date Enter
21 Document Details Tab Click Document Details Tab Appears
22 Document Code Select
23 Document No Enter
24 Document Date Enter
25 Amt. Enter CCY and Amt. to be entered
26 No of Original Copies Enter
27 Add Click Follow steps 15 to 22 for other
Documents
28 Submit Click on Submit Button BILL ID is generated. It has to be verified
1103 - Process of Verification of Outward Bill Lodged MEOB

1 Menu Shortcut Enter Menu MEOB -
2 Go Click on Go System displays Details criteria screen
4 Bill ID Enter/Select -
5 Go Click on Go General Details Tab appears
6 General Details Tab No Action Ascertain the details entered
appears
7 Party Details Tab Click on Party Details Ascertain the details entered
Tab
8 Tenor Details Tab Click on Tenor Details Ascertain the details entered
Tab
9 Document Details Tab Click Ascertain the details entered
10 Submit Click on Submit Button BILL ID is verified
75
1104 - Process of Realization of Outward Bill Lodged MEOB
3 Function Select R Realization -
5 Go Click on Go Realization Details Tab appears
6 Realization Details Tab No Action
appears
7 Event Details Tab Click on Event Details Ascertain/Enter the details
Tab
8 Charges Details Tab Click on Charges Details Ascertain/Enter the details
Tab
9 Transaction Details Click on Transaction Ascertain/Enter the details
Details Tab
10 Submit Click on Submit Button BILL ID is Realized
1104 - Process of Verification of Realization of Outward Bill Lodged MEOB

5 Go Click on Go General Details Tab appears
6 Realization Details Tab No Action
appears
7 Event Details Tab Click on Event Details Ascertain/Enter the details
Tab
8 Charges Details Tab Click on Charges Details Ascertain/Enter the details
Tab
9 Transaction Details Click on Transaction Ascertain/Enter the details
Details Tab
10 Submit Click on Submit Button BILL ID is verified
76
12.Outward Clearig
1201 Outward Clearing

Term Description
Instrument Negotiable Instruments like Cheque / Demand Draft / Interest Warrants /
Dividend Warrants etc
Zone Code Represents clearing register, where records are maintained
Number of zones may be created depending on the requirement
A zone code along with the date represents the particular days clearing
Using zone code, cheques sent to clearing house can be bunched under a
common zone code so that all the stages like releasing shadow balance,
regularising shadow balance etc can be easily done using the zone code
instead of going through the process individually for each cheque.
Outward Reject Instrument that was sent as part of outward clearing has been returned
unpaid by the drawee bank
Float Balance When an instrument is only lodged in the zone but not posted to the
account
It has no effect on the ledger balance of the account
Funds in Clearing When the instrument is posted in the account, the ledger balance is
updated but the funds are not available to the customer for withdrawal
This is also known as Shadow Balance of Uncleared Balance
At this stage the returns are awaited by the collecting bank
Mark Pending Situation where a drawee bank is unable to participate in the days clearing
and therefore is not in a position to confirm the returns
If the zone is containing cheques of such drawee banks then they are mark
pending regularization
System will retain finds in clearing status of such cheques and release the
credit of all other cheques present in the zone
Release to Process of crediting the accounts in which cheques are deposited
Shadow Balance Here the ledger balance is updated but the funds are not available to the
customer for withdrawal
Done on the day when clearing is settled by the clearing house
Regularization Process of releasing the hold on the clearing funds so that now the
customers are able to withdraw the funds
Done only after returns are confirmed by the clearing house and posted by
the collecting bank
Set A combination of cheque and pay-in-slip
The total of cheque will be equal to total of pay-in-slip in a set
77
1202 - Process of Opening Owtward Clearing Zone - HMCLZOH
1 Menu Shortcut Enter Menu HMCLZOH -
System displays the criteria
2 Go Click on Go
screen
3 Function SelectO Open -
4 Zone Date / Code Enter Zone Date/Code -
5 System displays the details

Go Click on Go screen
1203 - Process of Lodging instruments in Outward Clearing Zone - HOCTM

1 Menu Shortcut Enter Menu HOCTM -
System displays Outward
Clearing Transaction
2 Go Click on Go
Maintenance Online criteria
screen
3 Option Select A Add -
4 Zone Date &Code Enter Zone Date &Code -
5 Go Click on Go System activates the A/c ID field
6 A/c ID Enter A/c ID Use Pay-in-Slip to enter A/c ID
Enter amount given on the pay-
in-slip. Press Tab key. System
7 Amount Enter Amount activates the Instrument Details
section and populates the
amount in the Amt field.
8 Instrument Date Enter Instrument Date Enter details given on the cheque
9 Instrument No. Enter Instrument No. Enter details given on the cheque
10 Transaction Code Enter Transaction Code Enter details given on the cheque
11 Sort Code Enter Sort Code Enter details given on the cheque
Note Credit Amt. and

11 Summary -
Instrument should be same
12 Submit Click on Submit System displays the set id
System will be ready to lodge
13 Ok Click on Ok
next set details
78
1203 - Process of Lodging instruments in Outward Clearing Zone - HOCTM (Contd)
Notes
Lodging Single Slip and Multiple Instruments
After entering pay in slip details and clicking Tab key, modify amount mentioned in Instrument
Details section
Enter rest of the instrument details
Click on Add button in Instrument Details section
System will add the first instruments record and ready to take the details of second instrument
details
Enter the details of the second instrument. Note in Summary section that both Credit Amt. and
Instrument Amt. should match. Click on Submit and system will display the Set Id.
Impact in the Account :
Inquiry of A/c using HACLI
Float Balance is Updated
Funds in Clearing Balance is Not Updated
Ledger Balance is Not Updated
1204 - Process of Clearing File Upload in Outward Clearing Zone HCLUPLD

1 Menu Shortcut Enter Menu HCLUPLD -
System displays Clearing
2 Go Click on Go Transaction Upload
Maintenance screen
3 Report To Enter MGR This is a free field
4 Zone Date Enter Zone Date -
5 Zone Code Enter Zone Code -
6 Create Transaction Click on Yes or No For Trial Mode select No
System will ask the user to select

7 Browse Click on Browse
the clearing file stored in the PC
Select file and click on Open.

8 Open Click on Open System updates the Upload File
Name field
System runs a batch program and
9 Go Click on Go lodges the instruments from the
data file in the zone
Notes
The report of the batch program can be printed or viewed using menu HPR
79
1205 - Process of Inquiring Instruments Lodged in Zone HIOCLS
1 Menu Shortcut Enter Menu HIOCLS -
System displays Inquire on
2 Go Click on Go Clearing Transaction Sets criteria
screen
Other selection criteria can also
3 Zone Date / Code Enter Zone Date / Code
be given
4 Start Set No. Start and End Set No.
5 End Set No. Status wise
System displays the list as per
6 Go Click on Go
selection criteria
7 View Details Click on View Details button Instrument details can be viewed
1206 - Process of Verifying Lodgments of instruments in Outward Clearing Zone - HOCTM

1 Menu Shortcut Enter Menu HOCTM -
2 Go Click on Go
screen
3 Option Select V - Verify -
6 Set No. Enter Set No. -
System displays the set details.
7 Go Click on Go Authorizer to check that details
are correct.
8 Submit Click on Submit System verifies the record
User can also invoke menu HOCTV to verify instruments in batch. This is a batch process. For
this activity the clearing zone should be in suspended state
80
1207 - Process of Suspending Outward Clearing Zone HMCLZOH
2 Go Click on Go
screen
3 Function Select S - Suspend
5 Go Click on Go
screen
System displays the result screen
Zone Suspended
Notes
Inquiry on zone, using menu HMCLZOH, can also be conducted to know the status of lodged
instruments.
Enter Function I Inquire. Enter Zone Date. Click on Go.
a. Note the Zone Status
b. Click on Statistics Tab
Summary of lodged instruments in zone can be seen here
In case after suspension more instruments are to be lodged in the zone or some modifications are
to be conducted by the user, the zone can be un-suspended using Function V Revoke Suspend.
After performing the required activity the zone has to be suspended again.
1208 - Process of Release to Shadow Balance of Outward Clearing Zone HMCLZOH

2 Go Click on Go
screen
Select R Release Shadow
3 Function
Balance
5 Go Click on Go
screen
System generates a report which can be viewed or printed using HPR menu.
Note the system has created the tran id.
Float Balance is Zero
Funds in Clearing Balance is Updated
Ledger Balance is Updated
Effective Available Balance is not updated
Transactions are appearing in account
81
1209 - Process of Mark Pending in Outward Clearing Zone - HMARKPEN
1 Menu Shortcut Enter Menu HMARKPEN -
2 Go Click on Go System will display Mark

Pending criteria screen
3 Zone Date / Code Enter Zone Date / Code -
4 Various Criteria Enter selection criteria Enter criteria as per requirement
screen containing the list of
5 Go Click on Go
instruments as per selection
criteria given
System generates a report which can be viewed using HPR
Upon inquiring the statistics in Zone:
System displays Pending amount
1210 - Process of Revoke Pending in Outward Clearing Zone - HREVPEND

1 Menu Shortcut Enter Menu HREVPEND -
2 Go Click on Go System will display Mark

Pending criteria screen
3 Zone Date / Code Enter Zone Date / Code -
4 Various Criteria Enter selection criteria Enter criteria as per requirement
screen containing the list of
5 Go Click on Go
instruments as per selection
criteria given
System generates a report which can be viewed using HPR
Upon inquiring the statistics in Zone:
System displays updated Pending amount
82
1211 - Process of Regularising of Outward Clearing Zone HMCLZOH
2 Go Click on Go
screen
Select G Regularise Shadow
3 Function
Balance
5 Go Click on Go
screen
Note the system has created the tran id.
Float Balance is Zero
Funds in Clearing Balance is Updated
Ledger Balance is Updated
Effective Available Balance is not updated
83
1212 Outward Clearing Menu Options
1 Zone Opening As decided by the Bank HMCLZOH
2 File upload to Lodge Instruments As decided by the Bank HCLUPLD
3 Lodge Instruments Manually As decided by the Bank HOCTM
4 Lodge Instruments by Upload As decided by the Bank HCLUPLD
5 Zone Balancing As decided by the Bank HMCLZOH
6 Cheque Inquiry in Zone As decided by the Bank HIOCLS
Verify Lodged Instruments HOCTM / HOCIV /
As decided by the Bank
7 HOCTV
Verify Manually if any transaction is HTM
8 in entered state
9 Suspending the Zone As decided by the Bank HMCLZOH
Un-suspending the Zone if need HMCLZOH
10 be
11 Zone Releasing to Shadow Balance As decided by the Bank HMCLZOH
Return of Cheques Explained in
12 Inward Clearing Process
13 Marking of Clearing Extension As decided by the Bank HMARKPEN
14 Removal of hold up cheques As decided by the Bank HREVPEND
Regularize the Zone and release HMCLZOH
15 funds to customer
16 Printing of Clearing Schedule As decided by the Bank HPCLSO
17 Printing of Waste Report As decided by the Bank HPWO
Inquiry on Shadow Balance Of an HACSBIO
18 A/c
19 Inquiry of Part Trans As decided by the Bank HOPQ
Inquiry on Outward Clearing HOIQ
20 Instruments
84
13.Inward Clearing
1301 Inward Clearing

Term Description
Instrument Negotiable Instruments like Cheque / Demand Draft / Interest Warrants
/ Dividend Warrants etc
Zone Code Meeting of the banks at the clearing house to exchange instruments
related information is referred to as a zone in Finacle
Every zone has a code in Finacle
A zone code along with the date represents the particular days clearing
Inward Reject Instrument that is received as part of inward clearing is returned to the
presenting bank on account of non payment for any reason
Media Input Refers to data files containing inward clearing data related to a clearing
zone
It facilitates to upload the data which is then used to create transactions
in customer accounts without data entry
Claim Amount Represents the amount claimed by the clearing house
Normally it is the sum of the amounts of all instruments received for a
clearing zone
Validation Process which is run before posting the transactions
The process generates a reports that lists possible errors / exceptions
that system is likely to encounter while creating transactions
The user has to take necessary action so that the system can post the
transactions when posting process is initiated
1302 - Process of Opening Inward Clearing Zone - HICZ

1 Menu Shortcut Enter Menu HMICZ -
2 Go Click on Go
screen
3 Function Select O Open -
4 Zone Date / Code Enter Zone Date/Code -
5 System displays the details

Go Click on Go screen
Total Amt. In Enter Amount Enter total amount of
6
Advice instruments in the zone
Total No. of Instr. Enter No. Enter total no. of instruments in
7
In Advice the zone
85
Noted: Impact of opening Zone
Conduct Inquiry on Zone using menu HMICZ Function I Inquiry
Click on Accounting Statistics Tab: Note entries have been created by the system into respective
office accounts
Click on Instruments Tab: Note that no instruments have been entered
Click on Transactions Tab: Note no transactions have been created
1303 - Process of Lodging instruments in Inward Clearing Zone HICTMO

1 Menu Shortcut Enter Menu HICTMO -
2 Go Click on Go
screen
4 Zone Date &Code Enter Zone Date &Code -
5 Go Click on Go System activates the A/c ID field
A/c ID Enter A/c ID Signatures can be viewed by
6
clicking on Signature icon
Amt. Enter Amount Enter amount mentioned on
7
cheque
8 Instrument No. Enter Cheque No. -
9 Carve Click on Yes -
10 Instrument Type Enter CHQ -
11 Instrument Date Enter Cheque Date -
Add Click on Add Click on Add in case another
11
record is to be added
System adds the record and readies to take next record. Follow steps 5 to 11to enter cheque
records
86
1304 - Process of Clearing File Upload in Inward Clearing Zone HRMI
1 Menu Shortcut Enter Menu HRMI -
System displays Read Media
2 Go Click on Go
Input criteria screen
5 File Location Click on Local File Path -
Submit Click on Submit System will prompt to attach
6
clearing file
Browse Click on Browse System will ask the user to select
7 the clearing file stored in the PC
Open Click on Open Select file and click on Open.

8 System updates the Upload File
Name field
Go Click on Go System runs a batch program and
9 lodges the instruments from the
data file in the zone
Notes
The report of the batch program can be printed or viewed using menu HPR
1305 - Process of Marking Inward Rejects HICTMO

System displays Inquire on
2 Go Click on Go Clearing Transaction Sets criteria
screen
7 Instrument No. Enter Instrument No. Enter cheque no. to be returned
8 Accept Click on Accept System displays the instrument
details
9 Carve Click on No radio button -
10 Reject Select I Inward System displays an explode
button
11 Explode Button Click in Explode Button System displays the additional
detail screen
87
1305 - Process of Marking Inward Rejects HICTMO (Contd)
12 Reject Reason Select appropriate Reason Use searcher to select the reason
13 Charges Click on Charges button System displays the charges
details
14 Accept Click on Accept System goes back to additional
details screen
15 Accept Click on Accept System goes back to main details
screen
16 Presenting Sort Enter Code Use searcher to select the code
Code
17 Accept Click on Accept System goes back to main details
screen
1306 - Process of Marking Outward Rejects - HICTMO

The user to invoke menu HICTMO by entering the same in Menu Shortcut field and Clicking on Go.
System displays Inward Clearing Transaction Maintenance Online criteria screen
Process of marking Outward Rejects is similar to marking inward rejects
Open the HICTMO details screen for the zone in which outward returns are to be included
a. Enter returned instrument no. And amount.
b. Select Reject O Others. Click on Explode button. System displays additional details screen
c. System fetches the outward clearing zone details automatically
d. Select Reject Reason with the help of searcher
e. Click on Accept. System goes back to the main details screen and rest of the process is
same as for inward reject.
Once all instruments have been processed user can check the zone statistics by inquiring in
the zone HICTMO Function I Inquiry
Accounting Statistics Tab
Instrument Statistics Tab
Transactions Tab
Account Inquiry after cheques are lodged in zone HACLI
No transactions created. Hence ledger balance is not updated.
Available Balance & Effective available are reduced since funds are blocked or reserved
(carved)
Account Inquiry after cheques are lodged in zone HACCBAL
Note the balances in fields System Reserved Amt., Available Amt, Effective Available Amt and
Ledger Balance
88
1307 - Process of Validation Run in Inward Clearing Zone - HMICZ
1 Menu Shortcut Enter Menu HMICZ -
2 Go Click on Go
screen
3 Function Select V Validation Run -
Go Click on Go System displays the details
6
screen
Submit Click on Submit System runs a batch program and
7 generates a report which can be
viewed using HPR
Report viewed through HPR
Every time a modification of lodged instruments is done in the zone validation run
activity has to be performed
1308 - Process of Verifying the instruments lodged in Inward Clearing Zone HICTMO
2 Go Click on Go
screen
Zone Code Enter Zone Code -
5
Go Click on Go System displays the selection
6 screen
Accept Click on Accept System displays a list of cheques
7 lodged in the zone
Lodged record Verify record Authorizer to check each record
to verify the correctness of data.
Verifier can also check signatures
8
by clicking on signatures icon.
Use up or down arrow to
navigate.
89
1309 - Process of Suspending Inward Clearing Zone - HMICZ
User to invoke menu HMICZ by entering the same in Menu Shortcut and clicking on Go
System will display Maintain Inward Clearing Zone criteria screen
User to Select Function S Suspend, Enter Zone Date and Zone Date and click on Go. System
displays the details screen.
1. Submit Click on Submit System displays the result screen
1310 Process of Posing the Inward Clearing Zone - HMICZ

1. Function Select P Post Zone -
2. Zone Date Enter Zone Date -
3. Zone Code Enter Zone Code -
Note the system has created the tran id. If there is a posting failure then system will report
the same too.
User to ascertain the reason for posting failure.Visit HTM to post the transaction using
function M Modify.
After posting view account HACLI
Ledger Balance is updated
1311 Process of Closing the Inward Clearing Zone - HMICZ

1. Function Select Z Close Zone -
2. Zone Date Enter Zone Date -
3. Zone Code Enter Zone Code -
Note the system has created the tran id. This is for the charges entry.
Inquire the zone status
Zone Status is closed and Posting status is Posted.
After posting view account HACLI
Charges transaction is posted in the account
90
1312 Inward Clearing Menu Options
1 Open Zone As decided by the Bank HMICZ
Lodging Instruments in zone HRMI
2 Upload
Lodging Instruments in zone HICTMO
3 Manually
4 Lodging of Instruments by Upload As decided by the Bank HRMI
5 Verification of Lodged Instruments As decided by the Bank HICTMO
6 Validation Run for Reporting As decided by the Bank HMICZ
7 Rejecting / Returning a cheque As decided by the Bank HICTMO
8 Suspending the zone As decided by the Bank HMICZ
9 Posting the zone As decided by the Bank HMICZ
10 Close the zone As decided by the Bank HMICZ
11 Printing of Clearing Waste Report As decided by the Bank HPICW
12 Printing of Inward Clearing Schedule As decided by the Bank HPICS
Printing of Advice & Schedule of HREJREP
13 Rejected Cheques
91
14.Other Operations
1401 - Process of Placing Lien on Customer A/c HALM

1 Menu Shortcut Enter Menu HALM -
2 Go Click on Go A/c Lien Maintenancecriteria screen
appears
4 A/c ID Enter Customer -
Account No.
5 Module Type Select U User Defined -
7 New Lien Amount Enter the Lien Amount -
8 From Effective Date Enter the Dates -
Expiry Date (Optional)
9 Lien Reason Select the appropriate Searcher can be used for selecting the
Reason Code code
10 Submit Click on Submit System displays the result screen.
Authorizer to check the added record.
1401 - Process of Placing Lien on Customer A/c HALM

1 Menu Shortcut Enter Menu HALM -
2 Go Click on Go A/c Lien Maintenancecriteria screen
appears
4 A/c ID Enter Customer -
Account No.
6 Details Screen Authorizer to check the -
correctness of record
7 Submit Click in Submit System displays the result screen.
Record is verified.
Effect of marking lien on balance in account Inquiry HACLI
Effect of marking lien on balance in account Inquiry HACCBAL
1403 - Process of lifting Lien on Customer A/c HALM

Use Menu Option : HALM Function : M A/c ID : Enter Account ID
New Lien Amount: 0 Submit
For verification follow the process 1402
92
1404 Process of Freezing Customer A/c HAFSM
1. Menu Shortcut Enter Menu HAFSM -
2. Go Click on Go A/c Freeze Status Maintenance criteria
screen appears
3. Function Select F Freeze -
4. A/c ID Enter Customer Account User can Enter CIF ID to freeze more than
No. one account linked to the CIF. Refer
screen shots below.
5. Freeze Code Click on appropriate Total Freeze, Credit Only, Debit Only
code
6. Freeze Reason Code Select Freeze Reason Searcher can be used to select the
Code appropriate code
7. Go Click on Go Details screen appears
8. View Pending Details Click on View Pending System will display hyperlinks to view
Details individual pending details
9. Pending Details Click on Pending Details Here Pending Tran Details hyperlink is
Hyperlink clicked
10. Back Note the details of System goes back to Pending Details
transaction and take Hyperlink screen
appropriate action. Click
on Back button
11. Ok Click on Ok System goes back to Freeze Maintenance
Screen
12. A/c ID Click on A/c IDCheck Box -
13. Submit Click on Submit System displays result screen.
1405 Process of Verification of Freezing Customer A/c HAFSM

1. Menu Shortcut Enter Menu HAFSM -
2. Go Click on Go A/c Freeze Status Maintenance criteria
screen appears
3. Function Select V Verify -
4. A/c ID Enter Customer Account User can Enter CIF ID to freeze more than
No. one account linked to the CIF
5. Go Click on Go Details screen appears
6. View Pending Details Click on View Pending System will display hyperlinks to view
Details individual pending details and Click on
Submit
7. Accept Click on Accept System displays result screen
1406 - Process of Unfreezing Customer A/c HAFSM

Use Menu Option : HAFSM Function : U A/c ID : Enter Account ID Submit
For verification follow the process 1405
93
1407 Process of Uploading Signature and Photograph
1. Solution SVS -
2. Signatures and Click Expanded
Photographs
3. Maintain Signatures and Click Maintain Signatures and Photographs
Photographs screen is opened on the right panel
4. Function A - ADD
5. CIF ID Enter CIF ID
6. GO Click on GO Signature and Photograph Details is
displayed
7. Add Signature Details
8. Image Access Code Select Select the appropriate value from list
9. Signature Upload Mode Select U - Upload from Upload window opens
File Click on Browse Button
Select the signature file
Click on OK
Click on Allow Access
Click on OK
Signature is uploaded
10. Add Photograph Details Click on Expand
11. Photograph Upload Select U - Upload from Upload window opens
Mode File Click on Browse Button
Select the photo file
Click on OK
Click on Allow Access
Click on OK
Photo is uploaded
12. Submit Click on Submit images are Added Successfully
1408 Process of Verfifcation of Signature and Photograph upload

1 Solution SVS -
2 Signatures and Click Expanded
Photographs
3 Maintain Signatures and Click Maintain Signatures and Photographs
Photographs screen is opened on the right panel
4 Function V-Verify
6 GO Click on GO Verify Pending Signatures and
Photographs appears
7 Signature Details ICON Click View and Verify
8 Image Access Code Click View and Verify
9 Verify Check Box - Check
10 Submit Click on Submit Images are Verified Successfully
94
1409 Other Operations Menu Options
1 A/c Lien Marking Customer Accounts HALM
2 A/c Lien Marking - Verification Customer Accounts HALM
3 Lifting of Lien in an Account Customer Accounts HALM
4 Verification Customer Accounts HALM
5 A/c freeze Marking Customer Accounts HAFSM
6 A/c freeze Marking Verification Customer Accounts HAFSM
7 Unfreeze A/c Customer Accounts HAFSM
8 Unfreeze A/c - Verification Customer Accounts HAFSM
Signature and Photograph Capture CIF IDs /Customer SVS Solution Signature
9 Accounts Maintenance
Signature and Photograph Capture CIF IDs /Customer SVS Solution Signature
10 Accounts Maintenance
95

Program On Finacle 10

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Program On Finacle 10

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Program on Finacle 10

101 Features of Finacle

A banking solution provided by Infosys.

102 Operations in Finacle

Customer Master Opening of Accounts Account Maintenance

104 Common Keys Used

F1 Help F2 List for selection

105 Glossary of Icons and Fields

2. Drop down menu

10. Radio Button

12. Error Message

13. Frozen Fields

14. Live Field

16. View Details or Explode

20. Record Movement

201 - Process of Retail CIF Creation

202 - Process of Verification of Retail CIF Creation

203 - Process of Corporate CIF Creation

205 - Process of CIF Retail Modification

206 - Process of Verification of Retail CIF Modification

208 - Process of Verification of Corporate CIF Modification

209 Customer Master Maintenance Menu Options

301 - Process of Opening of a Savings Bank Account

16 Submit Click on Submit System displays the result screen

Note the account no. created by

303 - Process of Verification of A Newly Opened Savings Bank Account

12 Submit Click on Submit System displays the result screen

System confirms the record is

305 - Process of Verification of Modification Performed in An Existing Account

307 - Process of Verification of Modification of An Account

308 - Process of Collecting Charges Before A/c Closure

310 - Process of SB A/c Closure

312 CASA Maintenance Menu Options

401 - Process of Opening of a Cash Credit Account

S. No Field Action Remarks

25 Documents Tab Click on Documents Tab Documentsdetails screen opened

26 Document Code Enter Document Code Select the appropriate code

403 - Process of Verification of A Newly Opened Cash Credit Account

After authorization the A/c No.

404 - Process of Collateral Creation for a Cash Credit Account

3 Go Click on Go System displays thedetails screen

Select appropriate code with the

405 - Process of Verification of Collateral Creation for a Cash Credit Account

8 Submit Click on Submit System displays the result screen

406 - Process of Linking Collateral to an Account

Alternatively this can be selected

System displays the details

7 Submit Click on Submit System displays the result screen

407 - Process of Verification of Collateral Linkage in An Account

Alternatively this can be selected

System displays the details

7 Submit Click on Submit System displays the result screen

408 - Checking The Impact of Collateral Linkage on A/c HACCBAL

410. Verification of Collateral Substitution

Alternatively this can be selected

System displays the details

7 Submit Click on Submit System displays the result screen

The verification has to be done as per the steps given in 407

412 - Collateral Linkage Lookup

413. Process of Sanction Limit Change on CC A/c HACLHM

5 Submit Click on Submit System displays the result screen

414. Process of Verification of Sanction Limit Change on CC A/c HACLHM

5 Submit Click on Submit System displays the result screen