Prepared by NIIT 1 - · PDF filePrepared by NIIT 2 NIIT Finacle 10 Finacle 10 – Hand...

Prepared by NIIT 1

Prepared by NIIT 2

NIIT Finacle 10 Finacle 10 – Hand Book

Table of Contents

S.No Chapter Topic Page No

1 Chapter 1 Introduction to Finacle 3

2 Chapter 2 CASA Account Maintenance 7

3 Chapter 3 Cheque Book, Transaction 14

4 Chapter 4 Term Deposits 28

5 Chapter 5 Stating Instruction Maintenance 37

6 Chapter 6 Bill Maintenance 39

7 Chapter 7 Outward Clearing 42

8 Chapter 8 Inward Clearing 50

9 Chapter 9 Others Operations 57

Prepared by NIIT 3

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 Maintenance

Opening of Accounts Account Maintenance

Closure of Accounts Transactions: Cash Clearing

Outward

Inward Transfer

Office Accounts Basic Pointing Posting in HO

Accounts

Inventory Management Cheque Book Maintenance Demand Drafts

Inquiries &Reports

Other Operations Stop Payment Lien Maintenance Freeze Maintenance Standing Instructions

Term Deposits

Remittances Outward Inward

Inland Bills Inward Outward

Systemic Processes Day End Day Begin Next day Day

Begin

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103 – Common Terms Used in Finacle

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 Accounts

Opened for a customer under a Scheme Code 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

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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

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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

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2. CASA Maintenance

301 - Process of Opening of a Savings Bank Account

S. No

Field Action Remarks

1 Menu Shortcut Enter Menu – HOAACSB -

2 Go Click on Go/Press Enter Key A/c Opening – Savings criteria screen appears

3 CIF ID Enter the Customer ID CIF ID is mandatory for opening any customer A/c

4 Scheme Code Enter / Select Scheme Code Scheme Code can be selected with the help of the searcher

5 Go Click on Go/Press F4 Details screen appears and system displays General Details Tab

6 Dispatch Mode Select appropriately from the drop down menu

Select the appropriate code from a list.

7 Mode of Operation Click on Searcher Select the appropriate code from a list

8 Interest Details Click on Interest Details System displays the Interest Details Tab

9 Interest Credit A/c Select – S – Original A/c

10 Interest Debit A/c Select – S – Original A/c

11 Next Interest Calculation Date (Cr.)

Enter the Date Enter the last date of the current Half Year (Mar/Sep) except Schemes SB117 & SB133

12 Next Interest Calculation Date (Dr.)

Enter the Date Enter the last date of the current month

13 Scheme Details Tab Click on Scheme Details Tab System displays the Scheme Details screen

14 Nomination Field Click on Yes if the customer has given nomination otherwise no action required in this Tab

If Yes is ticked then move to Nomination Tab and enter the relevant nomination details

15 Related Party Details Tab

Click on Related Party Details Tab

System displays the Related Party Details screen

16 Submit Click on Submit System displays the result screen

17 Temporary A/c ID No Action Note the account no. created by the system

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302 - Process of Modification Before Verification of A Newly Opened Savings Bank Account

S. No


1 Menu Shortcut Enter Menu – HOAACMSB -

2 Go Click on Go A/c Open Modification – Savings criteria screen appears

3 A/c ID Enter New Temporary Account No.

-

4 - Press Tab key System displays the Currency, Sol ID, and Name on the Account

5 Go Click on Go System displays the General Details screen

6 Any field where error occurred

Replace the data entered incorrectly earlier

Scroll down the screen and click on Submit. The result screen appears.

7 Message No Action In the result screen the system 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 -

2 Go Click on Go A/c Open Authorization – 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

6 General Details Tab Auto populated Authorizer to ascertain the correctness of the details entered

7 Interest Details Tab Click on Interest Details Tab Authorizer to ascertain the correctness of the details entered

8 Scheme Details Tab Click on Scheme Details Tab Authorizer to ascertain the correctness of the details entered

9 Related Party Details Tab

Click on Related Party Details Tab

Authorizer to ascertain the correctness of the details entered

10 Side Bar Scroll down the screen -


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12 Verified A/c ID No Action After authorization the A/c No. becomes a Permanent A/c No.

304 - Process of Modification of Nomination in An Existing Account

S. No


1 Menu Shortcut Enter Menu – HACM -

2 Go Click on Go Customer A/cs Maintenance criteria screen appears

3 Function Select M – Modify -

4 A/c ID Enter A/c No. to be modified -

5 Signature Click on Signature icon A window is displayed where signatures of the customer can be viewed


7 Scheme Tab Click on Scheme Tab Scheme details screen appears

8 Nomination Click on Nomination Box A tick mark appears in the Nomination Box

9 Nomination Tab Click on Nomination Tab Nomination details screen appears

10

Registration No.

Enter relevant details in all the fields

Registration No. has to be manually entered as per the serial no. in the Nomination Register maintained by the branch

Nominee Name If Nominee is a minor then enter relevant data in Birth Date and Guardian Details fields also

Relationship

Address Line 1, 2 , 3

City

State

Country

Postal Code

Nominee Minor

Nomination Pcnt

Witness

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304 - Process of Modification of Nomination in An Existing Account (Contd.)

S. No


11 Side Bar Scroll the Side Bar down -


13 Result No Action System confirms the record is 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 -

3 Signature Click on Signature icon The authorizer can also verify the customer’s 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

7 Scheme Tab Check that Nomination box is ticked

-

8 Nomination Tab Check that Nomination Details 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 System confirms the record is verified successfully

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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


7 Mode of Operation Select appropriate Mode of Operation

Select relationship corresponding 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 holder’s 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

10 Relation Type Select appropriately from the drop down menu

Select relationship corresponding to the Main record

11 Relation Code Select using searcher -

12 CIF ID Enter CIF ID of this record holder Press Tab key and the system populates the CIF details

13 Side Bar Scroll Side Bar Scroll Side Bar down



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


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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 System confirms the record is 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 -

2 A/c ID Enter A/c No. to be closed User can verify customer’s signatures by clicking on Signatures icon

3 Balance Click on Transfer check box Tick mark appears

4 Transaction Type Select Cash or Transfer In case of transfer system will ask user to enter Transfer A/c ID

5 Go Click on Go A/c Information screen appears

6 Validation Check System performs validation before closure

Shows result and user has to take 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

10 Submit Click on Submit

System displays exception window, if any. Click on Accept. System displays result screen. Generates a Tran ID. Authorizer to verify.

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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




3 Various Details Authorizer to check details Ensure data entered by maker is correct


5 Validation Check Authorizer to check validations Ensure that user has taken corrective action

6 Closure Click on Closure System displays Closure screen

7 Various Details Authorizer to check details Ensure data entered by maker is 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. No

Activity Product Menu Option

1 Opening of a New Account CASA SB - HOAACSB CA - HOAACCA

2 Modification Before Verification

CASA SB - HOAACMSB CA - HOAACMCA

3 Verification of a New Account CASA SB - HOAACVSB CA - HOAACVCA

4 Modification of an Existing Account

CASA HACM

5 Charges before Closure/Verification

CASA HCACC

6 A/c Closure/Verification CASA HCAAC

Closed Flag is placed on the a/c. It can be viewed using menu HACCDET

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3. Cheque Book, Transactions, Stop Payment and Inquiries

501 - Loose Leaf (Adhoc) Cheque Book Issue to an Account


1 Menu Shortcut Enter HICHBA -

2 Go Click on Go Issue Cheque Book to Account criteria screen appears

3 Function Select I - Issue -

4 A/c ID Enter A/c ID Once Tab key is pressed, the system displays the customer name

5 Begin Chq. No. Enter the Cheque No. -

6 No. of Cheque Leaves Enter the number of cheque leaves

-

7 Leaves Per Book Enter the no. of Leaves Per Book -

8 Go Click on Go System displays Inventory Details screen

9 Inventory Details No Action System displays the cheque details entered in the criteria screen


11 Result Screen No Action System displays message Cheque Book Issued successfully

502 - Verification of Verification of Loose Leaf (Adhoc) Cheque Book Issue to an Account


1 Menu Shortcut Enter HICHBA -


3 Function Select V- Verify -



6 Inventory Details No Action System displays the cheque details entered in the criteria screen

• The authorizer to check the correctness of the data entered by the Maker


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503 - Cheque Book Inquiry


1 Menu Shortcut Enter HCHBI -




5 Inventory Details No Action

The cheque books issued on the customer’s account are listed. Summary of status wise no. of cheques is also displayed.

6 View Details Click on View Details icon System displays screen containing individual cheques along with the status

504 - Process of Updating Cheque Status


1 Menu Shortcut Enter HUCS -

2 Go Click on Go Update Cheque Status criteria screen appears



5 Instrument Alpha No. Enter Instrument Alpha No. Enter 6 digits cheque no. in second field

6 Go Click on Go System displays the details screen

7 New Status Select appropriate option from the drop down menu

System displays the current status of the cheque also


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505 - Process of verification of updating cheque status


1 Menu Shortcut Enter HUCS -

2 Go Click on Go Update Cheque Status criteria screen appears



5 Instrument Alpha No. Enter Instrument Alpha No. Enter 6 digits cheque no. in second field


Notes:



Transactions

Term Description

Transaction Transactions in banking can be broadly classified into three types i.e. Cash, Clearing and Transfer.

Transaction Status

Transactions in Finacle can be normally in any one of the following statuses:

E - Entered P - Posted V – Verified D – Deleted

Entered Status Account balance is not updated Transaction can be modified or deleted Fields other than Account ID can be modified

Posted Status

Account balance gets updated In case of credit transaction, funds are available to the customer Transaction cannot be modified or deleted Transaction wrongly posted can only be reversed

Verified Status Account balance gets updated if not already updated Transaction cannot be modified or deleted Transaction wrongly posted can only be reversed

Deleted Status

When the user deletes the transaction the transaction is said to have been deleted.

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)

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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

Maker – Checker

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 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’.

Value Dated Transactions

This is the effective date of transaction for interest calculation purposes.

During the transaction creation process one can enter the date of his / her choice as per the prevalent scenario

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506 - Process of Cash Receipt by a Teller


1 Menu Shortcut Enter Menu – HCASHDEP -

2 Go Click on Go Cash Deposit criteria screen appears

3 Function Select A – Add -

4 Transaction Type / Subtype

Select C/NR – Normal Receipt -

5 Go Click on Go Cash Deposit details screen is displayed

6 A/c ID Enter A/c ID A/c No. of the customer

7

A/c Details Icon Click on A/c Details Icon By clicking on A/c Details icon the user can view various details of the account

Get Signature Icon Click on Get Signature Icon By clicking on Get Signatureicon the user can view the signatures of the customer

When user presses Tab key after entering the A/c ID the system, the customer’s name is displayed

8 Amount Enter Amount Amount of cash deposited

9 Transaction Particulars

Enter Transaction Particulars The data entered here will reflect in the passbook / statement

10

Save Click on Save Button Transaction will be created with entered status only

Post Click on Post Button Transaction will be created as per the passing powers of the user

Post by Part Transaction

Click on Post by Part TransactionButton

The system will display all the part trans and the user will be allowed to select the part tran to be created in entered / posted state

List Exceptions Click on List Exceptions Button The user will be able to view any exception / error messages if any for the transaction

Cancel Click on Cancel Button

By clicking on Cancel button the system without creating a the transaction will come out of the details screen

Prepared by NIIT 19

506 - Process of Cash Receipt by a Teller (Contd)


11 Post Check Post Check Box Both the part trans are selected

12 Refresh Balance Click on Refresh Balance Box Effective Available Bal. is Refreshed

13 Information No Action Refreshed Balance is shown

14 Submit Click on Submit Button By clicking on Submit button the system will create a transaction and show the result screen

15 Result Screen No Action

Main components of the result screen are:

Transaction Status

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



2 Tran ID Enter Tran ID Tran ID is an alpha numeric no. and the entire no. has to be given by the user

3 Go Click on Go System displays the Cash Deposit details screen

4 Multiple Fields No Authorizer to ascertain the correctness of the transactions

5 Options Select L – LIST ALL PART 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


10 Result Screen No Action System displays the message Transaction ID verified successfully.

Prepared by NIIT 20

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




Select C/NP – Cash Normal Payment

-

3 Go Click on Go The system displays Cash 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

5


Get Signature Icon Click on Get Signature Icon By clicking on Get Signature icon the user can view the signatures of the customer.


6 Amount Enter Amount Amount mentioned on the cheque


Enter Transaction Particulars The data entered here will reflect in the passbook / statement of the customer

8

Instrument Type Enter Instrument Type as CHQ

-

Instrument Date Enter Instrument Date as date given on the cheque

Instrument Alpha / Serial No.

Enter Instrument Alpha / Serial No. as 6 digit no. given on the cheque

9 Post Click on Post Button If any exception is encountered, Warning and Dialog Window is displayed

10 Accept Click on Accept Button Transaction ID is displayed


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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 -

3 Go Click on Go Button Transactions Maintenance 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.





Select T/CI – Customer Induced -

3 Go Click on Go System displays the Transfer 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

5


Get Signature Icon Click on Get Signature Icon By clicking on Get Signature icon the user can view the signatures of the customer.


6 Amount Enter Amount Amount mentioned on the cheque



Prepared by NIIT 22

510 - Process of Creating a Transfer Transaction (Contd)


8

Instrument Type Enter Instrument Type as CHQ -

Instrument Date Enter Instrument Date as date given on the cheque

Instrument Alpha / Serial No.

Enter Instrument Alpha / Serial No. as 6 digit no. given on the cheque

9 Add/Next Record Click on Add button or right arrow icon next to the Record field

The system displays Record 2 details screen where the credit part tran details will be added by the user

10 A/c ID Enter A/c ID to be credited A/c No. of the customer. Press Tab key. Customer details will be populated

11 Get Contra Amount Icon

Click in Get Contra Amount icon

System will automatically change the Part Transaction Type from Debit to Credit and also update the amount field



13 Post Click on Post The system will display the result screen

14 Result Screen No Action

Main components of the result screen are: Transaction ID Transaction Status Status & No. of Part Transactions Entered / Posted / Verified / Deleted

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511 - Process of Verification of a Transfer Transaction

Notes:

• The user to invoke menu – HXFER and Click on Go.




2 Tran ID Enter Tran ID Tran ID is an alpha numeric no. and the entire no. has to be given by the user

3 Go Click on Go System displays the Cash Deposit details screen

Notes:


4 Record Click on Record Arrow System will display Record 2

Notes:




511 - Process of Marking Stop Payment of Cheque/s


1 Menu Shortcut Enter Menu – HSPP -

2 Go Click on Go Stop Payment Processing criteria screen appears

3 Function Select S – Stop Pay -

4 A/c ID Enter Customer Account No. Customer signatures can be verified by clicking on Signature icon

5 Begin Cheque No. Enter the start cheque no. -

6 No. of Leaves Enter No. of Leaves to be marked as stop

In case of marking stop payment of more than one cheque, user must take care that all requested instruments should be in a serial order

7 Go Click on Go Details screen appears

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511 - Process of Marking Stop Payment of Cheque/s (Contd)


8 Various Cheque Details

Enter cheque details like Chq Date, Payee Name, Chq Amt

All details are optional

9 Reason Code Select Reason Code Searcher can be used to select 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 -

2 Go Click on Go Stop Payment Processing Authorization criteria screen appears


4 Ref No. Enter Ref No. System will auto-populate other details


6 Details Screen Authorizer to check the correctness of record

-

7 Cheque Details Click on Cheque Details System shows the old and new status of the cheque

8 Ok Click on Ok System goes back to the details screen

9 Fee Click on Fee Tab System displays Fee Details

10 Submit Click on Submit System displays result screen. Record is verified.

Prepared by NIIT 25

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 -

2 Go Click on Go Account Balance Details is displayed

• The description of frequently used balance fields is given below:

Balance This is the ledger balance. Interest is calculated considering this amount.

Funds in Clearing Amount of uncleared outward clearing instruments (Shadow 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

Available Balance Amount of Clear Balance plus DP minus lien amount minus 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 Payment/Receipts Details

Select RadioButton In the above example we have selected both

03. Submit Click on Submit System will display result screen

04. Result Screen No Action The report generated can be viewed using HPR menu

Prepared by NIIT 26

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

Prepared by NIIT 27

519–Cheque Book, Transaction Menu Options

S. No


1 Adhoc Cheque Book Issue/Verification

HICHBA

2 Cash Deposit & Verification HCASHDEP

3 Cash Withdrawal & Verification

HCASHWD

4 Transfer between customer accounts & Verification

HXFER

5 Cheque Status Update/Verification

HUCS

6 Cheque Book Inquiry HCHBM

7 Inquiry of an account for a cheque

HINQACHQ

8 Stop Payment Recording HSPP

9 Stop Payment Verification HSPPAU

10 Financial Transaction Inquiry HFTI

11 Financial Transaction Inquiry and report

HFTR

12 Account Ledger Inquiry HACLI

13 Component of Account Balance

HACCBAL

14 Audit File Inquiry/Print HAFI/HAFP

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4. Term 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

Prepared by NIIT 29

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

The user must visit the above tabs compulsorily

6 Mode of Operation Click on Searcher icon Select the appropriate code from a list.

7 Interest & Tax Details Tab

Click on Interest& Tax Details Tab

System displays the Interest & Tax Details Tab

8 Pegging Frequency Enter TD Duration in MM/DD -

9 Interest Credit A/c ID Enter SB / CA A/c (optional) This account will be used by system for crediting monthly / quarterly interest

10 Scheme Tab Click on Scheme Tab System displays the Scheme Details screen

11 Deposit Period Enter Months in first field and/or Days in second field

Once Tab key is pressed, system will populate the maturity date

12 Deposit/Installment Amt.

Enter the Principle Amount for fixed deposit or Installment Amount for Recurring Deposit

-

13 Repayment A/c ID Enter SB / CA A/c (optional) This account is used for crediting the proceeds at the time of closure

14 Nomination Default set as Yes

If Yes is selected then move to Nomination Tab and enter the relevant nomination details as shown in the screen shot below

15 Flow Tab Click on Flow Tab System displays the flow details screen

16 Flow Amt Click on any Interest Flow code entry (II/IO)

-

17 Explode Button Click on Explode button System opens a window in which 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

18 Renewal & Closure Tab

Click on Renewal & Closure Tab System opens the Renewals & Closure details screen

19 Related Party Tab Click on Related Party Tab System displays the Related Party screen

Prepared by NIIT 30

602 - Term Deposit Account Opening (Contd)



21 New A/c ID No Action Note the account no. created by 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 Authorizer to check that all details entered by the maker are correct

5 Interest & Tax Tab Click on Interest & Tax Tab Authorizer to check that all details entered by the maker are correct

6 Scheme Tab Click on Scheme Tab Authorizer to check that all details entered by the maker are correct

7 Flow Tab Click on Flow Tab Authorizer to check that all details entered by the maker are correct

8 Renewal & Closure Tab

Click on Renewal & Closure Tab Authorizer to check that all details entered by the maker are correct

9 Nomination Tab Click on Nomination Tab Authorizer to check that all details entered by the maker are correct

10 Related Party Tab Click on Related Party Tab Authorizer to check that all details entered by the maker are correct


12 Verified A/c ID No Action After authorization the A/c No. becomes a Permanent A/c No.

Prepared by NIIT 31

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


1 From A/c ID – To A/c ID

Enter TD A/c No. Press Tab key. System displays a/c title. Alternatively user can enter the CIF ID in CIF ID field

2 Go Click on Go System displays the next details screen

3 Print Entry Select the record by clicking on the Check Box

-

4 Accept Click on Accept button System displays next details screen

5 Print Srl. No.

Confirm the no. mentioned in Print Srl No. matches with the no. mentioned on the physical FDR

User to make sure that both nos. match each other

6 Submit Click on Submit System generates the print preview

7 Print Click on Print button System prints the receipt and confirms

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


Prepared by NIIT 32

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


1 From A/c ID – To A/c ID

Enter TD A/c No. Press Tab key. System displays a/c title. Alternatively user can enter the CIF ID in CIF ID field

2 Go Click on Go System displays the next details screen

3 Print Entry Select the record by clicking on the Check Box

-

4 Accept Click on Accept button System displays next details screen

5 Print Srl. No.

Confirm the no. mentioned in Print Srl No. matches with the no. mentioned on the physical FDR

User to make sure that both nos. match each other

6 Submit Click on Submit System generates the print preview

7 Print Click on Print button System prints the receipt and 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.

Prepared by NIIT 33

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

Prepared by NIIT 34

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


1 Function Select Z – Close Trial closure option can be used to simulate the closure


3 Withdrawal Amt. System will populate the principal amount

User can modify the amount in case of Partial Withdrawal


5 Closure Details Click on Closure Details Tab System displays Closure Details screen

6 Close Mode Select Cash / Repayment A/c Only

In case Repayment A/c is selected then system will ask user to enter Repayment A/c ID

7 Repayment A/c ID Enter A/c ID in which funds are to be credited

-

8 Closure Exceptions Click on Closure Exceptions Tab System displays Closure 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

11 Submit Click on Submit 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


4 Withdrawal Amt. System will populate the principal amount

User can modify the amount in case of Partial Withdrawal

Prepared by NIIT 35

611 - Process of Verification of TD Account Closure – HCAACVTD (Contd.)


5 Closure Details Click on Closure Details Tab System displays Closure Details 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

Prepared by NIIT 36

619–Term Deposit Menu Options

S. No


1 Opening of New A/c TD HOAACTD

2 Modification before Verification of a new a/c

TD HOAACMTD

3 Verifications of New A/c TD HOOACVTD

4 Modification/Verification of an Existing Account

TD HACMTD

5 Deposit Receipt Printing TD HDRP

6 Duplicate Deposit Receipt Print

TD HDUDRP

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

Prepared by NIIT 37

5. Standing Instructions

801 - Standing Instruction


1 Menu Shortcut Enter Menu – HSSIM -

2 Go Click on Go Standing Instruction Maintenance criteria screen appears

3 Function Select A - Add -


5 Standing Instruction Type

Click on Customer Induced -

6 CIF ID Enter CIF ID Enter CIF ID of customer whose account is to be debited

7 Standing Instruction Frequency

Select appropriately -

8 Execution Time Select appropriately -

9 Next Execution Date – End Date

Enter appropriately -

10 Instructions Details Tab Click on Instructions Details Tab

System displays the screen for giving transaction details

11 CCY Select INR -

12 A/c ID Enter Customer Account No.

Enter A/c No. which is to be debited. User to note that this a/c no. should be linked to the CIF Id entered in the details screen earlier in step no. 6 of this section

13 Debit / Credit System would have auto-selected Debit

-

14 Amount Type Select Fixed -

15 Amt. Enter Debit Part Tran Amt. -

16 Add Click on Add button System displays the debit part tran and empties the field to enter credit part tran

17 CCY Select INR -

18 A/c ID Enter Customer Account No. Enter A/c No. which is to be credited.

19 Debit / Credit Click on Credit -

20 Amount Type Select C – Contra Balancing Click on Validate button. System displays the credit part tran.

21 Submit Click on Submit SI Serial No is generated

Prepared by NIIT 38

802- Verification of Standing Instruction


1 Menu Shortcut Enter Menu – HSSIM -

2 Go Click on Go Standing Instruction Maintenance criteria screen appears


4 Standing Instruction Srl No.

Enter the No. generated by the maker

-

5 Various Fields Authorizer to check the correctness of data entered by maker

-

6 Instructions Details Tab Click on Instructions Details Tab

System displays the part trans entered by the maker

7 Instructions Details Authorizer to check the correctness of details entered by maker

Click on Submit. System displays the result screen.

Prepared by NIIT 39

6. 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 Reporting

When currency comes into the bank

Bank buys currency from customer

Sale Reporting When currency goes out of the Bank

Bank sells currency to the customer

Nostro Account Vostro Account

When bank ‘A’ opens an account with bank ‘B’ in another country, then for bank ‘A’ it is a nostro a/c

For bank ‘B’, bank ‘A’’s a/c with them is a vostro a/c

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 Tab

Party Details Tab appears

12 Drawee Details Enter /Select

13 Collecting Bank Details Enter/Select

14 Tenor Details Tab Click on Tenor Details Tab

Tenor Details Appear

15 Grace Days Enter

16 Bill Date Enter

Prepared by NIIT 40

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 appears

No Action Ascertain the details entered

7 Party Details Tab Click on Party Details Tab

Ascertain the details entered

8 Tenor Details Tab Click on Tenor Details Tab

Ascertain the details entered

9 Document Details Tab Click Ascertain the details entered

10 Submit Click on Submit Button BILL ID is verified

Prepared by NIIT 41

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 appears

No Action

7 Event Details Tab Click on Event Details Tab

Ascertain/Enter the details

8 Charges Details Tab Click on Charges Details Tab


9 Transaction Details Click on Transaction 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 appears

No Action

7 Event Details Tab Click on Event Details Tab


8 Charges Details Tab Click on Charges Details Tab


9 Transaction Details Click on Transaction Details Tab


10 Submit Click on Submit Button BILL ID is verified

Prepared by NIIT 42

7. 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 day’s 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 day’s 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 Shadow Balance

Process of crediting the accounts in which cheques are deposited

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

Prepared by NIIT 43

1202 - Process of Opening Owtward Clearing Zone - HMCLZOH


1 Menu Shortcut Enter Menu – HMCLZOH -

2 Go Click on Go System displays the criteria screen

3 Function SelectO – Open -

4 Zone Date / Code Enter Zone Date/Code -

5 Go Click on Go

System displays the details screen


1203 - Process of Lodging instruments in Outward Clearing Zone - HOCTM


1 Menu Shortcut Enter Menu – HOCTM -

2 Go Click on Go

System displays Outward Clearing Transaction 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

7 Amount Enter Amount

Enter amount given on the pay-in-slip. Press Tab key. System 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

11 Summary Note Credit Amt. and Instrument should be same

-

12 Submit Click on Submit System displays the set id

13 Ok Click on Ok System will be ready to lodge next set details

Prepared by NIIT 44

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 instrument’s 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 -

2 Go Click on Go System displays Clearing 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

7 Browse Click on Browse System will ask the user to select the clearing file stored in the PC

8 Open Click on Open Select file and click on Open. System updates the Upload File Name field

9 Go Click on Go System runs a batch program and 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

Prepared by NIIT 45

1205 - Process of Inquiring Instruments Lodged in Zone – HIOCLS


1 Menu Shortcut Enter Menu – HIOCLS -

2 Go Click on Go System displays Inquire on Clearing Transaction Sets criteria screen

3 Zone Date / Code Enter Zone Date / Code Other selection criteria can also be given

4 Start Set No. Start and End Set No.

5 End Set No. Status wise

6 Go Click on Go System displays the list as per 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


3 Option Select V - Verify -



6 Set No. Enter Set No. -

7 Go Click on Go System displays the set details. 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

Prepared by NIIT 46

1207 - Process of Suspending Outward Clearing Zone – HMCLZOH




3 Function Select S - Suspend

4 Zone Date / Code Enter Zone Date / Code


6 Submit Click on Submit 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




3 Function Select R – Release Shadow Balance




System generates a report which can be viewed or printed using HPR menu. Note the system has created the tran id. Impact in the Account :


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

Prepared by NIIT 47

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

5 Go Click on Go

System displays the details screen containing the list of 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

5 Go Click on Go

System displays the details screen containing the list of 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

Prepared by NIIT 48

1211 - Process of Regularising of Outward Clearing Zone – HMCLZOH




3 Function Select G – Regularise Shadow Balance




System generates a report which can be viewed or printed using HPR menu. Note the system has created the tran id. Impact in the Account :


Float Balance is Zero

Funds in Clearing Balance is Updated

Ledger Balance is Updated

Effective Available Balance is not updated


Prepared by NIIT 49

1212 – Outward Clearing Menu Options

S. No Activity Product Menu Option

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

7 Verify Lodged Instruments

As decided by the Bank HOCTM / HOCIV / HOCTV

8 Verify Manually if any transaction is in entered state

As decided by the Bank HTM

9 Suspending the Zone As decided by the Bank HMCLZOH

10 Un-suspending the Zone – if need be

As decided by the Bank HMCLZOH

11 Zone Releasing to Shadow Balance As decided by the Bank HMCLZOH

12 Return of Cheques – Explained in Inward Clearing Process

As decided by the Bank

13 Marking of Clearing Extension As decided by the Bank HMARKPEN

14 Removal of hold up cheques As decided by the Bank HREVPEND

15 Regularize the Zone and release funds to customer

As decided by the Bank HMCLZOH

16 Printing of Clearing Schedule As decided by the Bank HPCLSO

17 Printing of Waste Report As decided by the Bank HPWO

18 Inquiry on Shadow Balance Of an A/c

As decided by the Bank HACSBIO

19 Inquiry of Part Trans As decided by the Bank HOPQ

20 Inquiry on Outward Clearing Instruments

As decided by the Bank HOIQ

Prepared by NIIT 50

8. 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 day’s 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 -


3 Function Select O – Open -

4 Zone Date / Code Enter Zone Date/Code -

5 Go Click on Go

System displays the details screen

6 Total Amt. In Advice

Enter Amount Enter total amount of instruments in the zone

7 Total No. of Instr. In Advice

Enter No. Enter total no. of instruments in the zone


Prepared by NIIT 51

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



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 Signatures can be viewed by

clicking on Signature icon

7 Amt. Enter Amount Enter amount mentioned on

cheque

8 Instrument No. Enter Cheque No. -

9 Carve Click on Yes -

10 Instrument Type Enter CHQ -

11 Instrument Date Enter Cheque Date -

11 Add Click on Add Click on Add in case another

record is to be added

System adds the record and readies to take next record. Follow steps 5 to 11to enter cheque records


Prepared by NIIT 52

1304 - Process of Clearing File Upload in Inward Clearing Zone – HRMI


1 Menu Shortcut Enter Menu – HRMI -

2 Go Click on Go System displays Read Media Input criteria screen



5 File Location Click on Local File Path -

6 Submit Click on Submit System will prompt to attach

clearing file

7

Browse Click on Browse System will ask the user to select the clearing file stored in the PC

8

Open Click on Open Select file and click on Open. System updates the Upload File Name field

9

Go Click on Go System runs a batch program and 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



2 Go Click on Go System displays Inquire on 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

Prepared by NIIT 53

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 Code

Enter Code Use searcher to select the 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

Prepared by NIIT 54

1307 - Process of Validation Run in Inward Clearing Zone - HMICZ


1 Menu Shortcut Enter Menu – HMICZ -

2 Go Click on Go


3 Function Select V – Validation Run -



6 Go Click on Go System displays the details

screen

7

Submit Click on Submit System runs a batch program and 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




3 Function Select V - Verify



6 Go Click on Go System displays the selection

screen

7 Accept Click on Accept System displays a list of cheques

lodged in the zone

8

Lodged record Verify record Authorizer to check each record to verify the correctness of data. Verifier can also check signatures by clicking on signatures icon. Use up or down arrow to navigate.


Prepared by NIIT 55

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 -

4. Go Click on Go System displays the details screen


System generates a report which can be viewed or printed using HPR menu.

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 -

4. Go Click on Go System displays the details screen


System generates a report which can be viewed or printed using HPR menu.

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

Prepared by NIIT 56

1312 – Inward Clearing Menu Options


1 Open Zone As decided by the Bank HMICZ

2 Lodging Instruments in zone – Upload

As decided by the Bank HRMI

3 Lodging Instruments in zone – Manually

As decided by the Bank HICTMO

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

13 Printing of Advice & Schedule of Rejected Cheques

As decided by the Bank HREJREP

Charges transaction is posted in the account

Prepared by NIIT 57

9. 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



-

5 Module Type Select U – User Defined -


7 New Lien Amount Enter the Lien Amount -

8 From Effective Date – Expiry Date

Enter the Dates (Optional)

-

9 Lien Reason Select the appropriate Reason Code

Searcher can be used for selecting the 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



-


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

Prepared by NIIT 58

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

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 No.

User can Enter CIF ID to freeze more than one account linked to the CIF. Refer screen shots below.

5. Freeze Code Click on appropriate code

Total Freeze, Credit Only, Debit Only

6. Freeze Reason Code Select Freeze Reason Code

Searcher can be used to select the appropriate code

7. Go Click on Go Details screen appears

8. View Pending Details Click on View Pending Details

System will display hyperlinks to view individual pending details

9. Pending Details Click on Pending Details Hyperlink

Here Pending Tran Details hyperlink is clicked

10. Back Note the details of transaction and take appropriate action. Click on Back button

System goes back to Pending Details Hyperlink screen

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 No.

User can Enter CIF ID to freeze more than 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

Prepared by NIIT 59

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

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

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