user guide on core banking solution (dop finacle)

USER GUIDE ON CORE BANKING SOLUTION

(DOP FINACLE)

VER 1.1

WEST BENGAL CIRCLE

LAST UPDATED ON 27.07.2016

All the procedure described in this document is prepared as on date available. It may be changed at any moment as per Finacle software is changed. Always check the latest information available.

2 | P a g e DOP Finacle User Guide Ver 1.1 West Bengal Circle

If you found anything to be supplemented or anything wrong in this guide book mail to [email protected]

Your valuable suggestions are welcome

mailto:[email protected]


TABLE OF CONTENTS

SECTION -1 INTRODUTION

1.1 Introduction to Core Banking Solution (CBS) and Finacle 1.2 Basic features of Core Banking Solution (CBS) and Finacle

1.2.1 Command based System 1.2.2 Browser based (Web Package) System 1.2.3 Double Entry System 1.2.4 Maker-Checker in Finacle 1.2.5 About SOL (Service OutLet) and BO Code 1.2.6 Different types of Users in Finacle 1.2.7 Creation of Customer Information File (CIF) 1.2.8 Account Numbers in Finacle 1.2.9 Funding of Account (Deposit while opening of account) 1.2.10 Inventory Movement 1.2.11 Acceptance of Bulk RD Deposits of MPKBY Agents 1.2.12 Office Account concept 1.2.13 Transaction Status in Finacle 1.2.14 Day End and Begin 1.2.15 Role of CPC

SECTION - 2 LOGIN, PASSWORD, TOOLS & BUTTONS

2.1 Login procedure in Finacle 2.2 The main Finacle window is explained below with figure 2.3 Logout Procedure in Finacle 2.4 Problem faced regarding login [user logged in / user is locked]

2.4.1 User Logged in 2.4.2 User is Locked

2.5 SOL change/Role change request 2.6 User/Supervisor/User Champion Creation 2.7 Password Change 2.8 Tools & buttons used in Finacle 2.9 When your PC is not responding/Hanged 2.10 Deleting Cookies and Temporary Internet File

SECTION -3 GETTING NEW A/C NUMBER

3.1 To find out New Account number or CIF ID in Finacle using Old A/c Number 3.1.1 Procedure 1- By using command in Finacle 3.1.2 Procedure 2 – By Using PDF file

3.2 Entry of New A/C ID & CIF in the Passbook or Certificate 3.3 To Find the CIF of the 2nd or 3rd Holder of Migrated Account


SECTION -4 VAULT TRANSACTION

4.1 About Vault Transactions 4.2 Debit (Dr.) and Credit (Cr.) Procedure in Vault & Teller Transaction 4.3 Procedure of Transferring cash from Vault to Teller 4.4 Transaction in Teller Account 4.5 Procedure of Transferring cash from Teller to Vault

SECTION -5 INVENTORY

5.1 About Inventory Movement 5.2 Movement of Inventory from the External to Main stock (Double Lock) 5.3 Verification process by Supervisor 5.3.1 At Single Handed Office [Where Supervisor himself is Authoriser] 5.3.2 At Head Office or Sub Office where more than one Supervisor exists 5.4 Movement of Inventory From Main stock (Double Lock) To Counter 5.5 Verification process by Supervisor 5.6 If the Transaction ID could not be noted for any reason 5.7 Splitting of Cheque Book 5.8 Merging of Cheque Book 5.9 Return of Inventory to Double Lock (Main Stock) from Employee (Counter) 5.10 Verification process by Supervisor 5.11 Inquiry of Inventory

5.11.1 To see Particular counter and All or Particular inventory item 5.11.2 To see Double Lock Stock - All or Particular inventory item

SECTION -6 KYC & ACCOUNT OPENING FORM

6.1 About KYC & AOF 6.1.1 In case of new customer who has no accounts in Post office

To be given to customer To be taken from customer Disposal of Photo Disposal of Documents

6.1.2 Modification of existing customer To be given to customer To be taken from customer Disposal of KYC & Documents

6.2 Sample Account opening form 6.3 Sample KYC Form


SECTION -7 CIF (CUSTOMER INFORMATION FILE)

7.1 About CIF 7.2 To check whether the customer is an existing customer

or searching a CIF of a customer 7.3 New CIF Creation 7.4 CIF Verification Process - By Super 7.5 On verification if Supervisor found a mistake

1. CIF Rejection 2. CIF Modification (Before verification) 3. CIF Verification

7.6 Process of modification of CIF (Modification of existing CIF or migrated CIF) 7.7 Verification Process After Modification 7.8 Situations – When CIF has to be Modified 7.9 Modification of CIF in case of Death/Death Marking 7.10 Changing The CIF ID of Main(first) Account Holder on account of Death or Account transfer 7.11 Verification of Merger 7.12 Merger of CIF ( in case more than one CIF exits of a customer) 7.13 Inquire the accounts opened under one CIF ID 7.14 Name Change in CIF & Account Number

7.14.1 Name change in CIF level 7.14.2 Name change in Account level

SECTION -8 SAVINGS BANK ACCOUNT(SB)

8.1 About Post Office Savings Bank Account (SB Account) 8.2 Opening of SB Account 8.3 Verification of SB Account 8.4 Modification before verification [by same operator] 8.5 Modification of existing SB Account 8.6 To make Silent A/c Active 8.7 To change Scheme of SB A/c 8.8 Issue of Cheque Book 8.8 Issue of Cheque Book Verification 8.9 Cheque Book Inquiry 8.10 To find an Account number by a Cheque Number 8.11 SB Transactions

8.11.1 SB Cash Deposit By Counter PA 8.11.2 Verification of Cash Deposit by Super 8.11.3 SB Cash Withdrawal by Counter PA 8.11.4 SB Cheque Withdrawal by Counter PA 8.11.5 Verification of Cash/Cheque Withdrawal by Super

8.13 Transfer Transactions (customer induced) 8.14 Rectification of wrong Transaction


8.15 Print Passbook 8.15.1 New Passbook Print 8.15.2 New Continuation Passbook Issue 8.15.3 Duplicate Passbook Issue 8.15.4 Passbook Reset

8.16 Branch office SB Deposit 8.17 Branch office SB Withdrawal 8.18 SB Account closer (HO or SO Account) 8.19 Branch Office (BO) SB Account closer 8.20 Account Balance Check 8.21 Account Details Check 8.22 Pre Migration Transaction Check (Transactions of Sanchaya Post) 8.23 Stop payment

Verification process by Supervisor 8.24 Revoking Stop payment 8.25 Cheque Book Destroy Procedure 8.26 Other functions of the Menu HCHBM

SECTION -9 PMSBY-PMJJBY-APY

9.1 PMSBY [Pradhan Mantri Suraksha Bima Yojana] & PMJJBY [Pradhan Mantri Jeevan jyoti Bima Yojana]

SECTION -10 TD, MIS & SCSS

10.1 About Time Deposit Account (TD) 10.2 About Monthly Income Scheme Account (MIS) 10.3 Given below are some of the Terms used in TD/MIS/SCSS Account. 10.4 General Issues regarding TD/MIS/SCSS Account 10.5 Monthly Income Scheme (MIS) Account opening 10.6 Time Deposit (TD) Account opening 10.7 TD or MIS A/c Modification Before Verification 10.8 Verification of new MIS or TD Account 10.9 Modification of Existing TD or MIS Account 10.10 Verification of Existing TD or MIS Account 10.11 To update Standing Instructions from MIS/TD to SB A/c 10.12 About Senior Citizen Savings Scheme (SCSS) 10.13 Opening of Senior Citizen Savings Scheme (SCSS) 10.14 Modification of SCSS Account 10.15 View TD/MIS/SCSS Interest (Only to view Interest amount) 10.16 View TD/MIS/SCSS Interest (To view before migration Interest amount) 10.17 TD/MIS/SCSS interest payment 10.18 BO TD Interest Payment at Accounts office 10.19 TD/MIS/SCSS interest payment of other SOL 10.20 About Closer of TD/ MIS/SCSS Account


10.21 Closer of TD/MIS/SCSS A/c on Maturity /Premature/ Death closer 10.22 BO TD Closer 10.23 Inquiring Accounts using BO Code 10.24 Extension of SCSS Accounts 10.25 Submission of 15G/15H in SCSS Accounts 10.26 Refund of TDS if wrongly deducted in SCSS Accounts 10.27 Premature Closer of SCSS in Lock in period

SECTION -11 RECURRING DEPOSIT(RD)

11.1 About Recurring Deposit 11.2 RD Account Open 11.3 Verification of RD Account Open 11.4 RD Installment Deposit when Account stands at HO/SO 11.5 RD instalment deposit verification 11.6 RD Installment Deposit when Account stands at BO 11.7 Standing Instruction 11.8 SB to RD SI Procedure 11.9 SB to RD SI Verification 11.10 About Loan/Half Withdrawal against RD 11.11 RD Loan Account Opening 11.12 Verification Of Loan Account Opening 11.13 Disbursement of Loan 11.14 Disbursement of Loan Verification 11.15 Repayment of loan/part payment of loan 11.16 Repayment of loan verify 11.17 Closer of loan account

Step 1: Final payment of loan amount + Loan Interest or only Loan Interest payment Step 2: Final payment of loan amount + Interest verification Step 3: Loan account closer Step 4: Loan account closer Verification

11.18 About RD Account closer 11.19 RD Closer – Normal Matured Account 11.20 RD Death Claim Closer 11.21 Branch office RD Closer 11.22 Deleting SI linked to RD 11.23 Linking and Delinking RD agent from an account-

11.23.1 Linking agent 11.23.1 De-Linking agent

11.24 Different situations in RD Account closer 11.25 Posting of Reference no. generated in Agent Portal (RD bulk posting) 11.26 RD Bulk Posting by DOP and Non DOP cheque 11.26.1 Posting by DOP Cheque


11.26.2 Posting by Non-DOP Cheque 11.27 RD Extension 11.28 Maturity Date Deferment in RD account 11.29 View Pending Installment in RD 11.30 PRSS Bulk List Posting SECTION -12 PUBLIC PROVIDENT FUND (PPF)

12.1 About Public Provident Fund Account (PPF) 12.2 PPF Account Opening 12.3 PPF Account Opening Verification 12.4 Funding of PPF/Repayment 12.5 Verification of PPF Funding/repayment 12.6 Part withdrawal from PPF account 12.7 Part withdrawal from PPF Account - Verification 12.8 About Loan against PPF 12.9 PPF Loan Account Opening 12.10 PPF Loan Account Opening Verification 12.11 PPF loan Disbursement 12.12 PPF loan Disbursement Verification 12.13 Repayment of loan/interest 12.14 Repayment of loan/interest Verification 12.15 Closer of PPF account

12.15.1 PPF Closure (without loan) 12.15.2 PPF Closure (with loan)

12.16 Verification of Closer of PPF account 12.17 Extension of PPF

SECTION -13 SUKANYA SAMRIDDHI ACCOUNT (SSA)

13.1 About Sukanya Samriddhi Account 13.2 SSA Account Opening in Finacle 13.3 First Deposit & Subsequent Deposit made in SSA Account in Finacle

SECTION -14 NSC & KVP

14.1.1 About National Saving Certificate (NSC) 14.1.2 About Kisan Vikas Patra (KVP) 14.2 NSC/KVP Account Opening 14.3 Deleted 14.4 Deleted 14.5 Deleted 14.6 Deleted 14.7 About NSC/KVP Account closing


14.8 NSC/KVP Account closing [Bulk] 14.9 NSC/KVP Account Closing [Individually-one at a time] 14.10 NSC/KVP Account Closing Verification [Individually-one at a time] 14.11 Duplicate Certificate Print 14.12 Pledging of Certificate – See General Issue Section SECTION -15 NSS & OTHER DISCONTINUED SCHEME

15.1 About Discontinued Scheme The procedure for payment of principal amount of discontinued schemes to be followed is The procedure for payment of interest amount of discontinued schemes to be followed is 15.2 NSS87 Payment

If withdrawal amount is less than 2500 and mode of payment is cash If withdrawal amount is less than 2500 and mode of payment is Transfer If withdrawal amount is 2500 or more than 2500 and 15G/15H is not submitted

If withdrawal amount is 2500 or more than 2500 and 15G/15H is submitted 15.3 NSS87 Closer

SECTION -16 AGENT PORTAL

16.1 Addition of an Agent 16.2 Addition of an Agent Verification 16.3 Procedure to copy an Agent

SECTION -17 GENERAL ISSUE

17.1 Transaction ID searching 17.2 Non financial transaction searching

General Ledger Subhead code: 17.3 Inquiry of Transaction 17.4 Deleting of Transaction 17.5 Signature View 17.6 How to tally cash - if excess cash found in the counter (teller)

17.6.1 Cash Deposit Procedure in Sundry Account 17.6.2 Verification of deposit By Supervisor 17.6.3 Reversal of Excess Cash - Kept in Sundry Account 17.6.4 Verification of Reversal of Excess Cash - kept in Sundry Account

17.7 Lien Maintenance 17.7.1 Marking Lien 17.7.2 Marking Lien Verification 17.7.3 Revoking Lien/Modifying Lien 17.7.4 Revoking Lien/Modifying Lien Verification

17.8 Freeze an account 17.8.1 Freeze an Account Procedure 17.8.2 Freeze Account Verification 17.8.3 Unfreeze an Account Procedure 17.8.4 Unfreeze an Account Verification


17.9 Reinvestment Procedure in Finacle 17.10 Account Transfer Between SOLs

17.10.1 Procedure by PA 17.10.2 Verification by Super

17.11 Intersol Transaction 17.12 Closer of Accounts at other SOL 17.13 Death Claim case at other SOL

17.13.1 Certificates (NSC/KVP) 17.13.1 MIS/TD/SCSS/PPF/RD

17.14 Transfer of Accounts 17.15 How to handle cheques sent for collection before migration to CBS but clearance received after migration 17.16 Single to Joint account 17.17 Joint to Single Account/Deletion of 3rd joint holder 17.18 Major to Minor conversion 17.19 Addition/Modification of Nomination

SECTION -18 CHEQUE PROCEDURE

18.1 Procedure for handling Cheques presented at CBS SOs 18.2 Procedure for handling Cheques presented at CBS HO

SECTION -19 REPORT

19.1 REPORT TO BE TAKEN BEFORE EOD

SECTION -20 EOD & BOD

EOD/BOD(End of Day/Beginning of Day) Procedure in Finacle CBS Steps to be followed before EOD EOD Steps:- Only First step of EOD to be done at SO/HO

SECTION -21 OFFICE ACCOUNT 21.1 Office Account

SECTION -22 MENU SHORTCUT


SECTION -1 INTRODUTION

1.1 Introduction to Core Banking Solution (CBS) and Finacle

Core stands for “Centralised Online Real-time Exchange” which means online service provided through a centralized server.

Post Offices migrated to CBS, access applications from centralized server installed at the Data centre in Navi Mumbai and is maintained by M/s Reliance. The Disaster Recovery Centre (DRC)/ Backup server is at Mysore. The online software accepted by Postal Department is Finacle which has been developed by M/s Infosys. Network Integrator is M/s Sify.

CBS is networking of Post office branches. Near about 25,500 departmental post offices are going to be migrated in CBS platform. Customers of CBS Post Offices will be able to operate their accounts from any post office on CBS network, regardless of where they maintain their account. CBS is a step towards “Anywhere and Anytime Banking”.

One CBS-CPC (Circle Processing Centre) has been formed in each circle, for processing banking related operations which are not customer facing.

1.2 Basic features of Core Banking Solution (CBS) and Finacle

1.2.1 Command based System -

Finacle is Command based system. For every transaction one command or menu has to be given to the system. Most of the Commands /Menus start with either H or C. Menus starting with H are original Finacle menu and those starting with C are customized for DOP. Only a few commands are there which are not starting with C or H.

1.2.2 Browser based (Web Package) System -

Finacle is a web based package. Browser software Internet explorer version 8 is used. Other browser software will not work. Operating system should be Windows 7, but it works in Windows XP and Windows 8 also. No separate client software is used to connect the Central server. Anti fishing features is inbuilt to make the system secured.

1.2.3 Double Entry System -

CBS will have double entry accounting system. A double-entry bookkeeping system is a set of rules for recording financial information in a financial accounting system, in which every transaction or event changes at least two different nominal ledger accounts. This accounting logic will be inbuilt in the CBS software. However, all cash based accounting reports including day end reports will be available for accounting purposes. Through CBS postal banking system will be more modernized and secured as well.

The accounting equation is the very heart of a double entry accounting system.

Assets - Liabilities = Equity + (Income – Expenses)

For every change in value of one account in the Accounting Equation, there must be a balancing change in another. This concept is known as the Principle of Balance. You will always be concerned with at least 2 accounts, Necessary to keep the accounting equation balanced. Double-entry bookkeeping gets its name because you enter all transactions twice.


Advantages of Double Entry System:-

It is possible to keep a full record of dual aspect of each transaction. Transactions are recorded in a scientific and systematic manner and thus the books of

accounts provide the most reliable information for controlling the Organization efficiently and effectively.

Since the total debit under this system be equal to total Credit, arithmetical accuracy of the books can be tested by means of a trial balance.

An income and expenditure accounts can be prepared to know the excess income/ expenditure during a particular period and to know how such excess income/ expenditure has arisen.

The financial position of the Organization can be readily ascertained by preparing a Balance Sheet.

Frauds are prevented, because alteration in accounts becomes difficult and discovery of irregularities is facilitated.

Debit (Dr.) & Credit (Cr.) -

Debits are always on the “left side”, credits are always on the “right side”.

When any transaction takes place between two accounts/persons/concerns etc. then it is debited in one account and simultaneously credited in another account.

Accounting Debits (Dr.) and Credits (Cr.) generally do not mean “decrease” and “increase”. It may be reverse also. It purely depends upon the type of accounts which are involved in a transaction.

In Asset and Expense accounts :

Debits increase the balance and Credits decrease the balance.

In Liability, Equity and Income accounts:

Debits decrease the balance and Credits increase the balance.

Classification of Accounts -

Personal Account :- When a transaction involved with a person or business concern, known as personal account such as M/S. Kanjilal & sons A/c, Mr. Rama’s A/c, Customer A/c etc.

Nominal Account :- All expenses/incomes are known as Nominal Account, such as salary, Rent, Interest, commission etc.

Real Account :- Accounts related to Assets such as Machinery, Furniture, Teller A/c, Vault A/c, Cash A/c, Bank A/c etc.

Debit and Credit Rules of Double Entry System of each type of account-

In case of Personal Account – o Debit the receiver and Credit the giver.

So who is receiving the cash is Dr. and is who is giving the cash is Cr.

In case of Nominal Account – o Debit all expenses and losses and Credit all income and liabilities.

In case of Real Accounts – o Debit what comes in and credit what goes out.


1.2.4 Maker-Checker in Finacle –

Maker-checker (Maker and Checker, or 4-Eyes) is one of the central principles of authorization in the information systems of financial organizations. The principle of maker and checker means that for each transaction, there must be at least two individuals necessary for its completion.

Finacle uses maker checker concept. Here any transaction has to be processed by different user. Same user cannot enter/post and verify the transaction. Every transaction created by the Counter PA has to be verified by a Supervisor. In some special cases only where a Supervisor has to initiate a transaction, must be verified by another Supervisor.

In Finacle CBS a transaction ID/Standing instruction no/Inventory id/Ref no etc. may be generated during transaction. The transaction ID should be noted on the voucher in Red ink. Where voucher is not involved note the Tran ID on a blank sheet of paper.

While verifying Supervisor has to ensure that Tran-ID is written on the voucher. During verification process these numbers are used by the Supervisor. From the Tran-ID, anyone can see the details of the transaction anytime later.

CIF open or modification, any type of Account opening, closing or modification, Inventory entry, Inventory Issue like Cheque book, SOL transfer, Scheme Change, Passbook reset, Stop payment, SI, Bulk posting of RD, Freeze/Unfreeze of account, Lien Marking of account etc. has to be verified by Supervisor.

1.2.5 About SOL (Service OutLet) and BO Code –

In Finacle, each Departmental Post Office is called Service Outlet (SOL) and allotted an ID which is called SOL ID. SOL ID consists of 6 digits Pincode of the office and a 2 digit code. For example Pincode of Yogayog Bhawan PO is 700012 and the 2 digit code allotted is 03, so the SOL ID of Yogayog Bhawan PO is 70001203. All the HOs have been allotted “00” as the last 2 digit of the SOL ID.

Combinations of different SOLs in Finacle is called SOL Set. Each Branch Post office will be allotted a separate Code called BO Code during migration

which needs to be selected at the time of BO account opening.

1.2.6 Different types of Users in Finacle –

There are different types of users in CBS Finacle. They are Counter Assistant or Operator, Supervisor, Postmaster, User Champion, Auditors etc. The roles of these users are different. The role can be changed (Counter PA to Super or vice versa) at CPC level.

1.2.7 Creation of Customer Information File (CIF) –

In Finacle, for every depositor, CIF has to be created if not exist. CIF Number will be in 9 digits generated by the system. For any investment every customer must have this CIF.

At the time of migration, new CIF will be created automatically by the system for each depositor or guardian. All accounts of a customer will be attached with the CIF in Finacle CBS.

After Migration to CBS, each customer has to be provided the new Account number either by using a command in Finacle or by searching the Sanchay post – Finacle Mapping PDF file before doing any transaction.

CIF, New Account Number and Scheme for the above mentioned old account number will be displayed in both the cases.

Counter PA has to write new CIF and Account number in the Passbook of old customers as and when it is presented for transaction.


Using the CIF Total investment of a customer can be found by using a command.

1.2.8 Account Numbers in Finacle –

In Finacle, Account no. is called Account ID. Account number will be generated by the Finacle CBS application randomly and will be in 10 digits.

From the Account ID, you cannot identify the scheme as it has no such indication.

1.2.9 Funding of Account (Deposit while opening of account) –

In Finacle, deposit is called Funding. Savings and PPF Account cannot be funded during account opening. Funding has to be done

separately after opening of Savings and PPF Accounts. In case of other types of accounts/certificates, funding has to be done while opening the

accounts.

1.2.10 Inventory Movement –

All the inventory items (Certificates, Cheque book etc.) have to be entered in CBS Finacle afresh after the migration. The Main stock is called Double Lock in Finacle.

Passbook stock cannot be maintained in Finacle. After migration in CBS, it has to be maintained manually.

1.2.11 Acceptance of Bulk RD Deposits of MPKBY Agents – After Migration to CBS, RD Bulk Lists are to be accepted only through Agent Portal. In Finacle CBS Application, there is no provision to accept accounts linked to MPKBY/PRSS

Agents/Leaders at counter. 1.2.12 Office Account concept –

Finacle CBS Application is based on Double Entry accounting system. Every entry into Finacle CBS has two legs i.e. Debit (Dr.) and Credit (Cr.). Many Office Accounts have been opened for taking care of the second leg of posting. Some of the Office Accounts are operated by Counter PAs and Supervisors and some are

maintained by the System itself. Supervisor has to take LOT of Office Accounts operated by user on daily basis and verify

these transactions with office record. Office accounts are represented by SOL of the office and a 4 digit fixed number. For

example, Vault A/c ID of the office, having SOL 70001203 is 700012030406. Post Masters Cheque A/c of this SOL will be 700012030340 etc.

1.2.13 Transaction Status in Finacle –

After the transaction made by counter PA in Finacle, it may remain in the following states depending upon the type of transaction.

1) Entered - Transaction will not go to the ledger directly. Only after verification by Supervisor, it will reflect in the ledger. So in the cases where transactions remain in Entered state, payment may be done only after the verification. After verification Entered transaction goes to Verified state. Any transactions which are in Entered state can be deleted.


2) Posted - Transaction directly goes to ledger. Still to be verified by Supervisor. After verification Posted transaction goes to Verified state. Posted transaction cannot be deleted.

3) Verified - All Posted/Entered transactions and some Deleted transactions after verification will be in Verified state. Verified transaction cannot be deleted.

4) Deleted - Transactions which have been deleted.

1.2.14 Day End and Begin –

In CBS Finacle Day end is Called EOD (End of Day). On doing the EOD, BOD (Begin of Day) of the next day of a SOL is done automatically.

The End of Day process in Finacle is done in three parts – First at SO/HO level, then at CPC level and the last part at the Data Centre level for date changeover.

SO/HO has to clear blocking validations and wait for change of date before leaving office. At CPC, System Administrators (User Champions) will do other part of End of Day for SOs and

HOs under the circle. Once all CPCs do the EOD, CEPT Team at Chennai will do EOD at Data Centre Level. 1.2.15 Role of CPC –

CBS operational support for the CBS POs Finacle User’s password reset & unlock etc. Support if any problem encountered in Finacle operations. Escalate Finacle related problems to CBS CEPT when required.

Completion of EOD operation for each SOL up to circle level. Upload of KYC details (photo & signature).


SECTION - 2 LOGIN, PASSWORD, TOOLS & BUTTONS

2.1 Login procedure in Finacle – 1. Open Internet Explorer. 2. Click Favorite button or Favorite Menu. Select “Finacle Universal Banking Solution” entry from the list. 3. A new screen will come which says

“There is a problem with this websites security certificate”. Click on Continue to this website (not recommended) link. [See Fig 1] 4. Login window will come and a small “Security Warning” window will also come. Click Continue button in small

window. [See Fig 2] 5. Wait for about a minute or two and again a “Security Warning” window may come, click on the check box, and click on run button. [See Fig 3]

Note : In some system this option may not come. 6. The status will change from “Error loading applet” to “Applet coreapplet started” or “Applet loaded successfully”. 7. Now Enter User ID in small letter, press Tab in the keyboard and enter password in small letter. Click on Login button or press Enter. [See Fig 4] Note : Before entering the User ID and Password ensure that Caps Lock is Off and Num Lock is On. If

wrong user id or password is entered Three times Consecutively the User ID will be locked. 8. It will show “You will be redirected to your default application now”. Click Ok.

Always Single click while using Finacle.


2.2 The main Finacle window is explained below with figure –

Fig 6

Note : Do not click Close, Back or Refresh button while working in Finacle Software. 2.3 Logout Procedure in Finacle –

1. Click on small logout button. [See Fig 6]. It will ask whether you want to logout. 2. Click Yes.

2.4 Problem faced regarding login [user logged in / user is locked] –

2.4.1 User Logged in - Due to link failure problem or any other reason where any user could not logged out properly, the user will be remained in logged in condition in central server. This is a security issue. In this situation following procedure to be followed.

At the time of login it is showing “User already logged in”. There is a login button below the message. Click on this button. A message will come "Do you want to reset the previous session and re-login". Click Ok button. The home page will open with User ID. Enter the password only and login.

2.4.2 User is Locked -

If any User/Supervisor is locked, contact CPC to unlock the user. The concerned office has to send a mail to CPC for that. Mail ID of CPC is [email protected].



2.5 SOL change/Role change request -

SOL change (User or Supervisor transferred or deputed to different SOL) or Role change (User to Super or Super to User) request to be sent to CPC by email at [email protected].

2.6 User/Supervisor/User Champion Creation –

User, Supervisor, User champion creation request to be sent to CPC by email at [email protected] at least 2 days earlier.

2.7 Password Change –

On the first day of CBS Migration all users will be provided with a User ID & a default password like “dop.1234”.

The user has to change password on first logon. Before that they have to write down the password somewhere. Password should be kept in a secured place so that nobody can see that.

Password of DOP Finacle is minimum 8 characters long and maximum 15 characters long. Password should contain at least three of the following –

1. At least one numeric character (0-9). 2. At least one Special Character like !, @, #, $, %, ^, &, *, +, -, . etc. 3. At least one Capital letter (A-Z) 4. At least one small letter (a-z)

Enter the old password (dop.1234) in the first box and enter the new password in other two boxes. Click Submit. Logout and Login again with the new password.

Procedure to Change the Password –

1. Click on the small red Key on the left of logout button. [See Fig 2.1] 2. A window will appear. In the *Change field, Password option is selected by default. Click Go.

[ See Fig 2.2] 3. Three boxes will appear. Enter the old password in the first box and enter the new password in other two boxes.

4. Click Submit.

5. Logout and Login again with the new password.

The password should not be chosen from the last 5 password, used in Finacle. Password has to be changed in every 60 days. If the password is not changed within 60 days, the password expires. While trying to login with the old password, it will automatically prompt to change the password.

If you have to share the password due to some unavoidable situation, change it immediately for security reason after the work done. In normal situation do not ever share your password.

Fig 2.1

mailto:[email protected].



Fig 2.2

2.8 Tools & buttons used in Finacle –

Fig 2.3

Menu/Command Box: Where you put the command or Menu. After entering menu press Enter key or click the Go button.

Go Button: To Go to the next window or screen. Press F4 Function key instead.

Submit Button: After entering all the information, Submit button is pressed. After pressing the submit button, the transaction is completed. F10 Function key may be used instead.

TAB or Page: To move from one Page or Tab this button is pressed. In some cases, all the TABs or pages have to visit to complete one transaction or verification process.


Fig 2.4

Searcher Button: On clicking this button many options are shown. Only one option has to be chosen. You can enter the option by typing also but the spelling should match with the option shown in the list. Fig 2.5

List Box: List of option will come, any one option from the list should be chosen.

Text Box: Entry has to be made here by typing in the keyboard.

Option button/Radio button: Round shaped button. Only one option at a time can be chosen.

Date picker: Date can be picked from here.

Check box: If click here, a tick mark will come, that means this option is chosen.

Expand/Collapse: More information are hidden under this button if in Expand condition. To shorten the length of the form this button is used. If it is clicked, hidden information is shown and automatically changes to Collapse button. Click Outside: For calculation purpose or to get more information (A/c information, Sol information & other information) automatically from server.


Fig 2.6

View Details button: Detail information can be seen.

Signature button: To see the signature. F9 Function key can also be used also to see the signature.

Validate button: To check whether every entry made are correct. Sometimes this button is used to calculate something.

Post Button : To Post any transaction.

Cancel Button: To cancel something.

Fig 2.7

2.9 When your PC is not responding/Hanged –

Do not restart the PC 1. Press Ctrl+Alt+Del key in the keyboard simultaneously or right click on Taskbar. 2. Click Start Task Manager. 3. Select the entry in the small window. 4. Click End task button. 5. Click End now button 6. Close the Task Manager Window. 7. Click Restart the program. 8. Restore your last session/Go Home page option will come. Click Home page to start again.


2.10 Deleting Cookies and Temporary Internet File For deleting cookies and temporary internet file Press Shift+Ctrl+Delete keys simultaneously. The following window will appear. Select the shown entries only and click on Delete button.


SECTION -3 GETTING NEW A/C NUMBER

3.1 To find out New Account number or CIF ID in Finacle using Old A/c Number –

3.1.1 Procedure 1- By using command in Finacle –

1. Menu: CNAC - Click Go [Fig 3.1] 2. Old A/c No. : Enter SOL ID, Scheme & Old account Number/Certificate Number (in case of Certificate) without any space. If the certificate suffix number is starting with “0”, do not enter the zero. For example : If the certificate no. is 03EE 078345, then it should be entered as 70003300NSC03EE78345 Schemes are : SB, TD, RD, MIS, NSC, KVP, SCS, NSS etc. e.g. 70003300SB345689 or 70000700MIS8978563 or 70003300NSC66EE787980 3. On Submit it will show New Account ID, CIF ID and CIF name(Holders name) [Fig 3.2] Every account will have one new 10 digit Account No. and one 9 digit CIF ID. So if a customer have 5 TD a/c, 6 MIS a/c, 1 SB a/c and 4 RD a/c, he/she will have total 16 different new A/c ID and 16 different CIF ID in Finacle. In case of certificate, under one registration number, only one CIF ID will be generated but each certificate will bear different A/c ID.

Fig 3.1

Fig 3.2

Note - To Find out SOL ID of Different Office – If a customer of different SOL came and SOL is not known, then use the Menu HFTI. In the

SOL Set Id field, just enter the Pincode of the Post office and click the searcher button. List of SOL ID with Post office name will come. Note down the SOL ID. Only those offices will come which have been migrated in CBS.

Fig 3.3


3.1.2 Procedure 2 – By Using PDF file -

Use the Sanchaypost-Finacle Mapping PDF file to find out the New Account number, CIF ID, account holder’s name and scheme. This procedure will only work for own SOL. Information of other SOL is not available.

Open the PDF file. Press Ctrl+F. In the Find Box, enter the Old Account no. or Registration no. or Certificate number or

Name of the holder. See Figure below. Click Next button. Cursor will jump to that record and highlight.

Fig 3.4

3.2 Entry of New A/C ID & CIF in the Passbook or Certificate -

Note the Account ID and CIF on the Passbook or Certificate in RED Ink. New Account ID will be required for transaction in Finacle and CIF will be required to see

the Signature using IES command.

3.3 To Find the CIF of the 2nd or 3rd Holder of Migrated Account -

For the Migrated account CNAC menu will not show the CIF of the joint account holder. The Sanchay Post – Finacle Mapping PDF file also do not contain the CIF of the joint holders. To get the CIF the joint holders use Modification Menu and Function – Inquire of each scheme. Enter Account ID and click Go. Under Party Details 2 or 3 the CIF of joint account holders can be found.

Scheme Name Modification Menu Scheme Name Modification Menu SB CASBAM NSC/KVP CSCACM MIS/TD CMISAM RD CRDACM SCSS CSCAM PPF CPPFAM Note : PPF is a Single Account, so no joint holder exists.


SECTION -4 VAULT TRANSACTION

4.1 About Vault Transactions –

In Finacle, cash is handled through Vault Account. All Counter PA s are called Teller and each Teller is allotted Teller Cash Account. Before starting counter works in the morning, cash (as much required for transaction only)

must be transferred from Vault Account to Teller Account. After taking cash from treasurer Counter PA will do the Vault transaction. On completion of Vault transaction one Transaction ID will be generated. Note the transaction ID and amount in a blank sheet of paper. The Supervisor in Double handed and above office will verify the transaction using the Transaction ID. In case of Single handed office the Transaction ID will be verified by Supervisor user ID.

For Vault transaction Vault Account ID and Teller Account ID will be needed. Both Vault & Teller Account IDs are Office Account. Vault Account ID is SOL ID, suffixed by 0406. So if the SOL ID of an office is 70001203, then

Vault Account ID of that office will be 700012030406. Teller Account ID can be obtained using the command HTCPIAE (Teller Cash Position Inquiry

Against Employee). Teller Account ID is usually SOL ID suffixed by 0501/0502/0503 etc. Using HTCPIAE command, how much cash the Teller is holding can be inquired at any moment. The Teller Account ID is fixed for a particular User. Teller ID of a user is changed only when the

user is transferred to a different SOL.

1. Menu: HTCPIAE – Click Go [ Fig 4.1] 2. Employee ID: Click the searcher button 3. Select the Employee code from the list. 4. Click Go. A new window will come. [Fig 4.2] 4. Teller A/c ID is shown as Cash A/c No. Column Today Position will be 0 Cr. in the morning.

Fig 4.1

Fig 4.2


4.2 Debit (Dr.) and Credit (Cr.) Procedure in Vault & Teller Transaction –

In case of Vault & Teller transaction Debit What comes in and Credit what goes out rules of Double Entry System is applied.

Whenever cash is received by the Teller either from Vault or from Customer, Teller Account is Debited (Debit – What comes in). Again when Teller returns cash to Vault or paid to Customer, Teller Account is Credited (Credit – What goes out).

Similarly whenever cash is received by the Vault from Teller, Vault Account is Debited (Debit – What comes in). Again when cash is given to Teller, Vault Account is Credited (Credit - What goes out).

4.3 Procedure of Transferring cash from Vault to Teller –

Before starting counter works when Teller is taking advance from the Treasury in the morning, ensure that teller account is 0 using the Menu HTCPIAE before doing this transaction. After the checking do the following -

VAULT TRANSACTION BY COUNTER PA (TELLER) 1. Menu: HTM – Click Go [Fig-1] 2. Function Code : Select A-Add 3. Transaction type: Cash transfer 4. Click Go Button below. A new screen will come [Fig-2]

In the new screen Debit radio button is selected by default. 5. A/c ID: Enter Teller Account ID and click outside. If Account ID is given wrong it will give an error message “Account does not exist” in red colour. Correct the A/c ID and click outside. 6. Ref CCY/Amt : Enter Amount as much taken from treasury. 7. Click Add button 8. Select Credit radio button. [Fig 3] 9. A/c ID: Enter Vault Account No and click outside. 10. Click 3=3 Button to get the contra amount.

11. Click Post button

Transaction ID will be generated. Note Down on blank sheet. [Fig 4]

The Procedure is shown below with Figure 1, 2, 3 & 4


VAULT TRANSACTION VERIFICATION BY SUPERVISOR 1. Menu HTM - Click Go [Fig 5] . The Transaction Maintenance window opens. 2. Select Function Code – Verify 3. Enter Transaction ID – Click Go. Next screen will come. 4. Check both the records (1&2) and Click Submit button below. It will Show a message “Transaction ID ……Verified successfully”. 5. After Verification use the Menu HTCPIAE, to check the amount is showing under Today position column.

Note : This transaction has to be done every time, if a teller takes cash from the treasurer.

4.4 Transaction in Teller Account

All Cash Receipt and payment done by Teller (Counter PA) are entered into Teller Cash Account automatically.

The List of Transaction done in Teller account can be seen using HACLINQ menu. A Teller wise report ( also called Shroff/Scroll Report) is also available at the end of the day

using the menu HSCWRPT. After Counter Hours each Teller (Counter PA) has to tally physical cash with his Teller

Account. After tallying cash Teller (Counter PA) will returns Physical cash in hand back to the

treasury and do the vault transaction again. After the transaction Super will verify the transaction and ensure that balance of each

Teller Account is Zero using the command HTCPIAE. [This is very important]


4.5 Procedure of Transferring cash from Teller to Vault –

VAULT TRANSACTION BY COUNTER PA (TELLER) 1. Menu: HTM – Click Go 2. Function : A-Add 3. Transaction type: Cash transfer 4. Click Go Button below. A new screen will come [Fig 6]

In the new screen Debit radio button is selected by default. 5. A/c ID: Enter Vault Account ID and click outside. If Account ID is given wrong it will give an error message “Account does not exists” in red colour. Correct the A/c ID and click outside. 6. Ref CCY/Amt: Enter Amount as much taken from treasury. 7. Click Add button 8. Select Credit radio button. [Fig 7] 9. A/c ID: Enter Teller Account No. and click outside. 10. Click 3=3 Button to get the contra amount.

11. Click Post button

Transaction ID will be generated. Note Down on blank sheet.

Steps 1-4 is shown in Fig 1 above. Rest of the Procedure is shown below with Figure 6 & 7.


VERIFICATION OF VAULT TRANSACTION BY SUPERVISOR 1. Menu HTM - Click Go(Shown in Fig 5) 2. Select Function Code – Verify 3. Enter Transaction ID – Click Go 4. Check both the records(1&2) and Click Submit button below. It will Show a message “Transaction ID ……Verified successfully”. 5. After Verification use the Menu HTCPIAE, to check the amount is showing 0 under Today position column.

Note : This transaction has to be done every time, when Teller returns cash to the treasurer.


SECTION -5 INVENTORY

5.1 About Inventory Movement Cheque Book is valuable items. In Finacle this is called Inventory item. HO Supervisor will receive

new cheque books from Postal Store Depot (PSD) Sub Office Supervisor will receive cheque books from Head Post Office (HPO). HO/SO Supervisor has to put it in the Double lock safe and later on hand over to counter assistants for issuing them to the customers. At the HO or SO Stock to be maintained in manual register also as per rule. After Migration to CBS all the stocks have to be entered in Finacle.

In Finacle –

External Location Class is called ZZ and Location Code is called EXT.

Main Stock Location Class and Location Code both are called DL (Double Lock).

Employee Location Class is called EM and Location Code is Employee ID of the Counter PA.

Destroy Location Class and Location Code both are called DS.

Movement of inventory will first happen from (PSD) to Head Post Office (HPO). This will be maintained manually in a register.

Head Post Office will move some of the inventory from ZZ-EXT (PSD) to DL-DL (Main Stock of HO). HO will send rest of the stock to Sub offices manually through account bag keeping a manual register.

Sub office will also move the inventory from ZZ-EXT (Here HO) to DL-DL (Main Stock of SO) when received from HO.

HO/SO will move the stock from DL-DL (Double Lock) to EM-Employee ID (Counter PA) when there is requirement.

In the same way Stock can be reversed back to stock. That is from EM-Employee ID to DL-DL and DL-DL to ZZ-EXT or DS (Destroyed location).

At HO or SO where more than one Supervisor exists, Inventory items will be entered by one Supervisor and will be authorized by another Supervisor.

In Single/Double/Triple handed office where only one supervisor is there, Inventory items will be entered and authorized by the same Supervisor.

5.2 Movement of Inventory from the External to Main stock (Double Lock) –

1. Menu: HIMC – Click Go [Fig 5.1] 2. Function – Add 3. Click Go. A new Window will come [Fig 5.2] 4. From Location Class : Enter ZZ 5. From Location Code: Enter EXT 6. To Location Class : Enter DL 7. To Location Code : Enter DL 8. Click Accept button, A new window will open. [Fig 5.3] 9. Enter Inventory Class/type: Click the Searcher. Select Inventory code from the list. Click the Class.

10. Enter Alpha no if any otherwise skip.

11. Start No: Enter Start Serial No. of the item. 12. End No:Enter Last serial no. of the item. 13. Click Validate button- Quantity will be shown automatically. [Must after every entry made] 14. Click Submit button. Do not click on Add Button if there is no more item to be entered. If Add button is pressed accidentally, one blank record will be added, and it will not allow to submit the inventory with blank record. There is no way to delete any entered record. In that case whole thing have to be reentered again. Click Add Button, if more entry has to be made. Here modification of any record is possible. [Fig 5.4] 15. Transaction ID will be generated. Note down in a blank sheet of paper. [Fig 5.5]


Fig 5.1

Fig 5.2 Fig 5.3


On clicking the Searcher of Inventory Class/Type (shown in Fig 5.3 – item no. 9) the following Inventory Code List will come –

Fig 5.4

Fig 5.5 Note : From 01-07-2016 Pre-printed Certificate is discontinued. Do not enter KVP/NSC stock here as shown in the figure 5.4


5.3 Verification process by Supervisor –

5.3.1 At Single Handed Office [Where Supervisor himself is Authoriser]– In an office where only one supervisor is there, the Supervisor himself will do the following after entering the inventory item –

1. Menu: HIMC – Click Go [Fig 5.6] 2. Function – Verify 3. Enter Transaction ID generated during Inventory entry. 4. Click Go. New window will come, where the entire inventory entered will be shown. 5. Click Submit Button (Nothing to do). A message will come, Transaction ID…… Authorized successfully. [Fig 5.7 & 5.8]

Fig 5.6

Fig 5.7

Fig 5.8

5.3.2 At Head Office or Sub Office where more than one Supervisor exists –

1. Menu: HIMC – Click Go 2. Function – Verify 3. Enter Transaction ID and click Go. 4. Click Authorizer details TAB [Fig 5.9] 5. Select radio button next to authorizer [Fig 5.10] 6. Click Authorize button. 7. Enter password of the custodian [Fig 5.11] 8. Click Login 9. Click submit


Fig 5.9

Fig 5.10

Fig 5.11


5.4 Movement of Inventory From Main stock (Double Lock) To Counter –

1. Menu: HIMC – Click Go [ Fig 5.12] 2. Function – Add 3. Click Go. A new Window will come [Fig 5.13] 4. From Location Class : Enter DL 5. From Location Code: Enter DL 6. To Location Class : Enter EM 7. To Location Code : Select Employee Code from Searcher 8. Click Accept button. A new window will open. [Fig 5.14 ] 9. Inventory Class/type: Click the Searcher. Inventory entered in the Double Lock will be shown here. To select the Inventory item which is to be sent to counter, click the Inventory Class/Type (CHQ\CHQ ) against the Inventory item. 10. Total Quantity available for the item in the Double lock will be shown in the quantity box. If total quantity is to be transferred to counter, jump to Step 13. If total quantity is not required to be transferred to counter, the figure shown in the quantity box has to be deleted first. [Fig 5.15] 11. Enter the End Serial no. in the End No. box. 12. Click Validate button- Number of items required to be transfer to counter will be shown automatically in the quantity box. 13. Click Submit button. Do not click on Add Button if there is no more item to be entered. If Add button is pressed accidentally, one blank record will be added, and system will not allow to submit inventory with blank record. There is no way to delete any entered record. In that case whole thing have to be cancelled and reentered again. Click Add Button, if more entry has to be made. Here modification of any record is possible. 14. Transaction ID will be generated. Note down in a blank sheet of paper.

Fig 5.12

Fig 5.13


Fig 5.14

Fig 5.15

5.5 Verification process by Supervisor –

Verification process is same as described when inventory moved from ZZ-EXT to DL-DL in the section 5.3

5.6 If the Transaction ID could not be noted for any reason – 1. Menu: HIMI [Fig 5.16] 2. Select Inventory transaction status as “Entered but not Authorized” 3. Click Go button The Inventory ID will be shown. [ Fig 5.17]


Fig 5.16

Fig 5.17

5.7 Splitting of Cheque Book –

Cheque Books given to counter must be split as it has been taken in a lot. Splitting can be done by Supervisor. Here no need to verify the splitting.

1. Menu: HISIA – Click Go [Fig 5.18] 2. Function – Split 3. Location Code : Click the Searcher. Select the Employee code of the Counter PA, where the cheque leaves has been given. 4. Inventory Class- Click searcher. Select CHQ from the list. 5. Click Go. 6. Select the entry by clicking CHQ/CHQ on left. [Fig 5.19] Another window appears. [Fig 5.20] 7. Start Sl No. and total quantity will show. 8. Total No of units: Enter total no. of cheque book. 9. Items per unit: Enter number of leaves in a cheque book. 10. Submit. A message will come “Inventory split is successful”.

Fig 5.18


Fig 5.19

Fig 5.20

Fig 5.21 5.8 Merging of Cheque Book –

Merging of inventory refers to consolidation of inventory held in various small lots into a bigger lot. This option is used to transfer the unutilised inventory held by an employee to double lock custody. The user can merge the same and move the inventory as a single lot. Usually when one user is transferred from one office to another, the splitted cheque books given to his/her employee location, needs to be merged first to return it back to Double Lock (Main Stock). This work may be done by the Super or the user. When new employee come do the following-

1. Menu: HIMIA – Click Go [Fig 5.22] 2. Function – M-MERGE 3. Location Code: Click Searcher. Select the Employee Code of the person from the List. The inventory items (Splitted cheque Books) of this user will be merged.

4. Enter Inventory Class, Select CHQ from Searcher.

5. Click searcher of Start Alpha/Srl. No. box 6. Click on Begin Serial number of the splitted cheque books (from which serial number, merging is required) from the list.

7. Enter Quantity (Total No of leaves to be merge) 8. Click Go. A new window comes [Fig 5.23] Details of merged inventories will be displayed. 9. Click Submit button. A message will come “The selected inventory is merged successfully”


Fig 5.22

Fig 5.23

Fig 5.24


5.9 Return of Inventory to Double Lock (Main Stock) from Employee (Counter) –

If for any reason inventory given to a counter PA, has to be returned to the main stock then following procedure has to be applied. 1. Menu: HIMC – Click Go 2. Function – Add 3. Click Go. A new Window will come [Fig 5.25] 4. From Location Class : Enter EM 5. From Location Code: Enter Employee Code 6. To Location Class : Enter DL 7. To Location Code : Enter DL 8. Click Accept button, A new window will open. 9. Enter Inventory Class/type: Click the Searcher. [Fig 5.26] 10. Click Inventory Class/Type searcher. From the list click the Inventory Class/Type (CHQ\CHQ, NS8\N10000 etc.) which is to be return to main stock. 11. Click Validate button [Fig 5.27] 12. Click Add Button if more entry has to be made, (e.g. NSC/KVP etc.) or Click Submit if there is nothing to be entered. Do not click on Add Button if there are no more items to be entered. Click Validate, then Submit button at end. If done accidentally you have to cancel and reenter the whole thing again. There is no way to delete any entered blank record. Only modification of any record is possible. 13. Transaction ID will be generated. Note down in a blank sheet of paper.

Fig 5.25

Fig 5.26


Fig 5.27 5.10 Verification process by Supervisor –

Verification process is same as described when inventory moved from ZZ-EXT to DL-DL in the section 5.3

Note : To return the stock from DL/DL to ZZ/EXT, same procedure to be applied. This will be required to return the stock to HO/PSD. 5.11 Inquiry of Inventory –

Inquiry of inventory can be done for any location. From this inquiry Double Lock stock and counter stock of every item or a particular item can be seen. Details of the stock is also available.

5.11.1 To see Particular counter and All or Particular inventory item-

1. Menu : HIIA and Click Go [Fig 5.28] 2. Location Code : Click searcher to select Employee code of a particular counter PA

3. Inventory class : Do not select any inventory class, to see all the item or Click Searcher to select a particular Inventory class like CHQ or any other item.

4. Click Go

5. In the new window, click View details button to see the details [See Fig 5.29 & 5.30]

Fig 5.28

Fig 5.29


Fig 5.30 5.11.2 To see Double Lock Stock - All or Particular inventory item-

1. Menu : HIIA and Click Go [Fig 5.31] 2. Location Class : Delete the entry and Click searcher to select DL. 3. Location Code: Delete the entry and Click searcher to select DL. 4. Inventory class : Do nothing to see all the inventory item or Click Searcher to select a particular Inventory class like CHQ etc.

5. Click Go

6.Click View details button to see the details [Fig 5.32]

Fig 5.31

Fig 5.32


SECTION -6 KYC & ACCOUNT OPENING FORM 6.1 About KYC & AOF

6.1.1 In case of new customer who has no accounts in Post office

To be given to customer:-

1) 1 – AOF (Account Opening Form). 2) 2 – KYC (Know Your Customer) forms ( 4 or 6 KYC forms in case 2nd and 3rd joint holder has

different address). 3) 1- SB-103 in case of SB/PPF/SSA account.

To be taken from customer:- [See Master Circular 14/2012]

1) 1- photocopy of Address proof ( Document list available in Finacle CIF creation page). 2) 1- photocopy of Identity Proof ( Document list available in Finacle CIF creation page). 3) 3- Copies of Photographs. (4 in case of BO and SCSS). 4) 1- Photocopy of Income proof (for High Risk category customer). 5) 1- Photocopy of Age proof (SCSS/SSA). If PAN is not given, it is required to take any other

approved document as age proof. 6) Filled up AOF and KYC forms. (Photo on KYC forms must be pasted and not stapled.

Signature of the customer must be inside the signature box. No part of the signature should be on the border of the box).

7) Filled up SB-103 in case of SB/PPF/SSA account. SB General Account may be opened with minimum amount of Rs.20/-, but minimum balance to be kept Rs. 50/- as per norms. Minimum opening amount is Rs 500/- in case of SB Cheque account or if ATM card is issued. Do not open SB/PPF/SSA account without funding. The account is activated automatically at the time of opening the account. There is no need to wait for funding.

Disposal of Photo:-

1) One copy to be pasted on AOF. 2) Two copy to be pasted on two KYC forms. 3) One copy to be pasted on SS (Specimen Signature) Book in case of BO. 4) One copy to be pasted on Passbook of SCSS A/c only.

Disposal of Documents :-

1) AOF – Original copy Kept at Post office only. 2) One copy of original KYC – kept at PO. 3) One copy of original KYC to be sent to CPC for scanning. While sending this KYC forms do

not staple it with other forms. 4) Photocopy of Address proof and identity proof to be kept at Post office only along with

AOF. Do not send any copy of these documents to CPC.

After taking AOF, CIF(Customer Information File/Customer Identification File) of the customer has to be created.

During CIF creation, Address Proof and ID proof must be entered. CIF creation must be verified by Supervisor. After verification of CIF, Account of the respective scheme will be opened. Opening of A/c will be verified by super.


In case of SB/PPF/SAA Account minimum cash deposit (as applicable) transaction has to be done.

6.1.2 Modification of existing customer

Non Financial transaction like modification in Account or CIF can be made only by the office where the account stands and it should be supported by documentary proof. In case of change in name or photograph or address, fresh KYC Form (in duplicate) has to be obtained with documents and one copy of KYC Form has to be sent to CPC for scanning of fresh photograph or signature. Please ensure that all non Financial Transactions should be verified by Supervisor/SPM at the same office when initiated by PA. [Ref : SB Order - 7/2015, Annexure, Scenario-11]

To be given to customer:-

1) KYC form – 2 (4 or 6 in case joint holders have different address)

To be taken from customer:-

1) 2 (4 to 6 in case of joint holders have different address)-Filled up KYC form with pasted photograph and signature. ( Photo must not be stapled)

2) Address proof and Identity proof – One photocopy (to be kept at post office only).

Disposal of KYC & Documents:-

1) One copy of original KYC to be kept at Post office. 2) One copy of original KYC to be sent to CPC for scanning. 3) Photocopy of documents to be kept at Post office only. Do not send photocopy of address

proof and ID proof to CPC.

Note: Same document can not be used as Identity proof and address proof while creating CIF.

Finacle will not allow you to do so. KYC Documents (Address Proof/ID proof/Age Proof etc.) must be checked with the

original documents. Use single photograph only. Do not use joint photograph in KYC form. KYC to be sent to CPC one time only for a particular customer. Do not take KYC, each

time when customer opens an account and send this KYC to CPC. When an existing customer opens an account, mention the CIF in the CIF ID (if already

exists) column in Sl. No. 5. KYC documents related information is not required to be filled up.


6.2 Sample Account opening form


6.3 Sample KYC Form


SECTION -7 CIF (CUSTOMER INFORMATION FILE)

7.1 About CIF An individual walks into the Post Office and requests to open an account. Counter

Assistant, will check whether he/she is an existing customer or not. If he/she is not an existing customer, Counter Assistance will create a CIF (Customer Information File) as a prerequisite to open an account. During migration from Sanchaya Post to Finacle, system will automatically create CIF of the existing account. For each existing account like SB, RD, MIS, TD, SCSS, PPF, NSS -one CIF ID and one Account number will be generated by the system. In case of certificates (NSC/KVP) for each Registration number one CIF ID will be created and for each certificate one account no will be generated automatically. For example under Registration no 1102 there are 10 certificates of different denomination. Here One CIF will be generated and for 10 certificates 10 different account numbers (not in sequential order) will be generated.

Customer information/Identification file (CIF) is a unique record of every customer stored in system.

Every individual needs to have CIF ID to open an account. A customer may have many accounts, but can only have one CIF ID which represents a unique identifiable record for that customer.

7.2 To check whether the customer is an existing customer

or searching a CIF of a customer –

When any CIF is created in a CBS post offices, that CIF can be found using the following procedure in any CBS post office.

1. Menu: CDEDUP - Click Go [Fig 7.1] Search by the 10 criteria (*Last name mandatory) 2. Click Proceed. *Criteria => Filters

For example one customer has filled up and submitted AOF, KYC etc. in a post office.

Before creating CIF, counter PA may check using the 10 criteria (filters) whether the customer has any existing CIF. First enter First name & Last name only to search. If a lot of entries are found with the same name, then enter Postal code, PAN Number, Date of Birth, Preferred Phone No. filters to check the existing customer. The CIF of a customer which has been created in Finacle or modified in Finacle with latest information (Postal code, PAN Number, Date of Birth, Preferred Phone No. etc) will be shown. You may also have to search writing full name of the customer in the Last Name box because in migrated CIF the full name of the customer is automatically inserted in this box or some operators have the habit of writing full name in the Last name box.

Fig 7.1 Use More filters for more refined search


Here in the following example only Last name BASU is used

Fig 7.2

7.3 New CIF Creation – Red * marked fields are mandatory

1. Menu: CCRC – Click Go button [Fig 7.3] 2. *Function : Select Add – Click Go button

Fig 7.3

3. *Title: Click Searcher. Select from the list (MR/MRS/MS etc.). [Fig 7.4] 4. Enter First name 5. Enter Middle name (if any) 6. *Enter Last name ( if there is no last name enter first name in the last name field) 7. *Enter Fathers/Husband name: Full name has to be given. No need to write “Late” etc. 8. Tax status: Select No PAN Card/PAN card available. If PAN card available option is selected a message will come “Pan card number is mandatory if Pan card is available”- Click Ok. Enter PAN number in the PAN Card No. field. 9. *Enter Date of birth and click outside. Date of birth can be given in any valid date format, but In case of Minor, enter the DOB in DD-MM-YYYY format, otherwise it may not work. 10. In case of Minor, “Yes” flag will be selected automatically on entering DOB. If Minor is under 10 years of age, provide Guardian CIF (Guardian CIF has to be created first). If The Minor attained 10 years and want to operate the account himself/herself then enter Guardian CIF as 300668762 (Dummy Guardian created centrally). See Note 3 for details. 11. *Select Gender (Male/Female/Others) option. 12.* KYC Status: S-Document Submitted to

be selected. 13. Enter Income (if not mentioned in AOF, enter 0) 14. Select Income type: Monthly/Annually 15. *Enter Occupation type: Salaried/Business/Self Employed etc.[ select others if not mentioned in Account Opening Form(AOF)]


Fig 7.4 16. *Enter Document details 1- [Fig 7.5] 17.*Document type: Click searcher. Select ADPRF from the list. 18. *Document code: Click searcher. List of documents will come, select from the list. (ADHAR/CERTI/EBILL/PASBK/PSPT/RTNCD/VOTID etc.) 19. *Enter Unique ID of the Document. In case of Aadhar UID authenticated as “Yes”

Click Expand button. 20. Enter *Document details 2- 21.*Document type: Click searcher. Select IDPRF from the list. [other options available AGPRF/CRFRM/INPRF/WAIVE] 22. *Document code: Click searcher. List of documents will come, select from the list. If PAN no is given earlier, Select PANCD. PAN no will be populated automatically. 23. * Preferred Flag click “Yes” option button. 24. *Address details 1- first Enter Address Line 1. Click outside. Then enter Pin. Click Outside. City, State, Address valid from, Country etc. will be populated automatically. Then enter Address line 2, 3 if any. 25. Select Phone Type as Mobile. Phone No.: Enter mobile No. of the customer. Customer will get SMS on transaction if mobile is provided here. 26. *Tax Deducted at Source Table code : Select NOTAX /NOPAN/TDSNR as applicable.

If PAN is not submitted, select NOPAN. If PAN is submitted select TDSNR. Select NOTAX only as when required in some particular cases. (e.g. 15G/H submitted)

27. *Primary Relationship Manager: Select from searcher CIFRM [ if Name of PRM is not available for a Circle/Region/Divn.]

28. Click Submit/F10

On submission system will show a 9 digit CIF Number. Note down the CIF number in AOF If after submit a message shows “Enter the field”, that means the field is a mandatory and it has not been entered by mistake. Click OK. Cursor will automatically move to that field. Enter proper information in that field and click Submit.


Fig 7.5 **Note1 : Note down the CIF immediately. There is no way, right now, to recover the CIF if you forgot to note it. You have to reopen the CIF in that case.

** Note2 : For SSA create a CIF in the name of Girl Child also. Aadhar, PAN, Passport may be taken as age proof other than birth certificate. [SB order 11/2015]

** Note 3 : Guardian CIF ID 300668762 has been created centrally with dummy data. When this CIF ID is entered, system will show following details :-

Last Name / Short Name - GUARDIAN DOB - 01/07/1960 Document type - ADPRF with unique id 3dec2014email. Document code -PSBID Nationality- Indian Tax deducted at source as - NOTAX


7.4 CIF Verification Process - By Super

1. Menu: CCRC - Click Go 2. Function : Verify – Click Go 3. Enter the CIF ID. Click Submit, if everything is entered properly Click Cancel if there is anything wrong - click OK 7.5 On verification if Supervisor found a mistake—

Supervisor has to cancel the verification process by clicking the Cancel button instead of Submit. Follow the below described points to rectify the error.

4. CIF Rejection – Done by Super

1. Menu: CCRC - Click Go 2. Function : Rejection 3. Enter the CIF ID Click Go 4. Enter Rejection reason (may be found near Risk category ) 5. Click Submit

5. CIF Modification (Before verification) – Done by the same PA who has created the CIF ID

1. Menu: CCRC - Click Go 2. Function : Modification 3. Enter the CIF ID – Click Go 4. Modification done by PA 5. Click Submit

6. CIF Verification – Verify the CIF by Super modified by PA

1. Menu: CCRC - Click Go 2. Function : Verify 3. Enter the CIF ID – Click Go 4. Click Submit, if everything is entered properly. 7.6 Process of modification of CIF (Modification of existing CIF or migrated CIF) - Done by Counter PA

Preferably CIF of SB Account to be taken for modification. All the information like PAN, Fathers name/Husband name, Date of Birth, Gender, KYC

status, Document details 1 (Address Proof), Document details 2(Identity Proof), address if not correct, mobile number, TDS Table code or any other fields needs to be modified.

After Modification CIF must be verified by supervisor. This CIF has to be given to the Customer for further investment purpose.

1. Menu: CMRC - Click Go 2. Function : Modification 3. Enter the CIF ID – Click Go New screen will come. Modify the following fields described & shown in figure. 1. Title: Default came MR/MS. Change it to MR or MRS or MS. [Fig 7.6]

2. Date of birth: Change from “01-07-1960” to proper date available in the document.

3. Gender: Default others is selected. Select Male or Female.

4. KYC Status: “Document Submitted” to be selected.

5. Fathers/Hasband name: Enter the name given in KYC form.

6. Document details 2 : Select Document type(ADPRF), Document code from searcher and enter Unique ID. If Aadhaar then click UID authenticated “Yes” also. [Fig 7.7]

7. Document details 3 : Select Document type(IDPRF), Document code from searcher and enter Unique ID. If Aadhaar then click UID authenticated “Yes” also. If PAN select PANCD.

Preferred Flag : Make any one of the documents status “Yes” .

8. Address details 1 : Enter Address Details [Fig 7.8]

9. Phone Type : Select Mobile


10. Phone no: Enter Mobile Phone no. only 11. Tax Deducted at Source Table Code: Select NOTAX/NOPAN/TDSNR as applicable. [Fig 7.9]

12. Tax Status: “PAN card available” if PAN submitted, otherwise left as it is.

13. PAN No: Enter PAN Number.

14. Click Submit button after doing the proper modification.

Fig 7.6

Fig 7.7


Fig 7.8

Fig 7.9

7.7 Verification Process After Modification - By Supervisor

1. Menu: CMRC - Click Go 2. Function : Verification 3. Enter the CIF ID – Click Go 4. Submit

7.8 Situations – When CIF has to be Modified –

1. On Death – Procedure shown below in Section 7.9 2. Minor became Major – Take fresh KYC Docs & Minor flag changed to “No”. 3. Name Change - Procedure shown in Section 7.13 4. Address change – Procedure shown in Section 7.6 5. Addition of PAN– Procedure shown in Section 7.6 6. Addition or Modification of Mobile Number – Procedure shown in Section 7.6 7. Net Banking or Mobile Banking Status – Enable Net Banking/Mobile Banking

status – “Yes”


7.9 Modification of CIF in case of Death/Death Marking –

1. Menu: CMRC – Click Go [Fig 7.10] 2. Function – Modify 3. Enter CIF ID – Click Go 4. Customer Status: Deceased 5. Enter Date of Death 6. Submit Super has to verify using same menu CMRC, Function verify, Enter CIF, Go, Submit.

Fig 7.10

7.10 Changing The CIF ID of Main(first) Account Holder on account of Death or Account transfer –

1. Menu: HCCA - Click Go [Fig 7.11] 2. Function : Modify 3. A/c ID :Enter the A/c ID on which action needed 4. Click Go. New window opens. 5. New CIF ID: Enter the CIF ID under which A/c is to be transferred [Fig 7.12] 6. Modify A/c Name : Select Yes [“Yes” to be selected in case of Death and Certificate Transfer] 7. Reason code: Select D in case of death claim or Select T in case of Certificate Transfer

8. Click Submit

Fig 7.11

Fig 7.12


Fig 7.13

7.11 Verification of Merger – Menu HCCA Function Verify, Enter A/c ID, Go, Submit.

Fig 7.14

Fig 7.15

Fig 7.16

7.12 Merger of CIF ( in case more than one CIF exits of a customer)

1. Menu: HCCA - Click Go

2. Function : Modification 3. A/c ID :Enter the A/c ID on which action needed – Click Go

4. New CIF ID: Enter the CIF ID under which A/c is to be transferred

5. Modify A/c Name : No

6. Reason code: Select C for CIF Duplicate Transfer. 7. Click Submit Super to verify with the same menu HCCA [See Fig 7.11 to 7.16 for reference]

7.13 Inquire the accounts opened under one CIF ID

1. Menu: HCRV - Click Go [Fig 7.17] 2. Click Accounts TAB to open Accounts page. [Fig 7.18] 3. Enter the CIF ID and Click Go


Fig 7.17

Fig 7.18

7.14 Name Change in CIF & Account Number – Name of CIF can be changed. But it will not get effected in Account Level as this CIF is already been linked. For changing the name in all the accounts also, following steps have to be done-

1. Modification of Name at CIF Level- Menu CMRC 2. Verification of CIF – Menu CMRC 3. Modification of Account Name at Account Level – Menu HAALM 4. Verification of Account Name change – Menu HAALM

Every account under the CIF has to be changed using the menu HAALM.

7.14.1 Name change in CIF level –

1. Menu CMRC. Click Go [Fig 7.19 & 7.20] 2. Function : Modify 3.CIF ID : Enter the CIF ID for which name has to be changed 4. Click Go 5. Do the required changes in name. 6. Submit 7. Verification to be done using the same Menu CMRC, Function- Verify, Enter CIF ID, Go, after checking, click Submit.


Fig 7.19

Fig 7.20

7.14.2 Name change in Account level –

1. Menu : HAALM , Click Go [Fig 7.21] 2. Function : Modify 3. A/c ID : Enter A/c no in which name change required 4. Click Go. New window opens. [Fig 7.22] 5. A/c Name: Enter the proper name of the account here 6. A/c Short Name: Enter as required 7. Click Submit 8. An EXCEPTION will be shown, click Accept button. [Fig 7.23] A message will come “ A/c ID ………….Modified successfully.” [Fig 7.24] 9. Verify with Super, same Menu HAALM, Function Verify, Enter A/c ID, Submit in the next screen, An EXCEPTION will come. Click Accept.

Fig 7.21

Fig 7.22


Fig 7.23

Fig 7.24


SECTION -8 SAVINGS BANK ACCOUNT(SB)

8.1 About Post Office Savings Bank Account (SB Account) –

Interest payable Rate is 4% per Annum. Minimum Amount for opening A/c is Rs. 20/- and No maximum balance limit is there. Account can be opened by cash only. Minimum balance to be maintained in a non-cheque facility account is INR 50/-. For Cheque/ATM facility account is to be opened with INR 500/- and for this purpose

minimum balance of INR 500/- in an account is to be maintained. Cheque facility can be taken in an existing account also. In that case also Minimum balance

to be maintained INR 500/-. Interest earned is Tax Free up to INR 10,000/- per year from financial year 2012-13. Nomination facility is available at the time of opening and also after opening of account. Account can be transferred from one post office to another. One Single account & One Joint Account can be opened by a customer in one post office. Account can be opened in the name of minor and a minor of 10 years and above age can

open and operate the account individually. Joint account can be opened by two or three adults. At least one transaction of deposit or withdrawal in three financial years is necessary to

keep the account active. Single account can be converted into Joint and Vice Versa. Minor after attaining majority has to apply for conversion of the account in his name. Deposits and withdrawals can be done through any electronic mode in CBS Post offices. Inter Post office transactions can be done between CBS post offices. This type of

transaction is called Intersol transaction in CBS. ATM/Debit Cards can be issued to Savings Account holders (having prescribed minimum

balance on the day of issue of card) of CBS Post offices.

8.2 Opening of SB Account

* All the mandatory fields must be entered. Mandatory fields are marked as red asterisk (*)

1. Menu: CASBAO – Click Go 2. Function : O-Open (Default) 3.* Enter the CIF ID 4. *Select the Scheme code from searcher which is applicable— SBCHQ/SBGEN etc. - Click Go. A message will come “Please check the Risk Category of the customer for KYC purpose”, Click OK.

All the data of the customer as per the CIF ID will get populated.

5. Select *The mode of operation – Enter 012(Single)/016(Joint A)/ 017(Joint B) etc. as applicable. Searcher can be used to select also. 6. *Number of documents received – Enter 1 ( as only AOF has been submitted by customer) If the account is opened at BO, Change the Account open date (BO A/c open date) if required and

select Branch office name/code from searcher. 7. * Document code: Enter 016 8. *Enter Document Date (Press Ctrl+X for current date) Enter *Document details 1 only as you have entered 1 in the document received box. Do not enter Document details 2 although red * marked is there. 9.* Scan details : Select Scan Not Required 10.*Document Status: Select Document submitted

11. In Finacle, Joint holders are named as Party Details. Enter *Party details 2, 3 etc. If the mode of operation is 016/017 (joint account). i) Enter CIF ID and click outside. Details of joint holder will come automatically


Note: Any Account Number(SB/TD/RD/MIS/SCSS/NSC etc.) generated in finacle is 10 digit number.

Fig 8.1

Fig 8.2

ii) Relationship type : Select Joint Holder iii) Relationship code: Select from searcher 001(Father)/004(Mother)/005(Son)/006(Daughter)/017(Wife)/018(Husband) etc. 12. Nomination: Select Yes if there is nominee, Nomination Number will be generated. Note down the Nomination number on the AOF immediately in red ink. 13. Give Nominee details –If Nominee has a CIF, enter the CIF. Otherwise First enter Name, then Postal code and click outside. City and State fields will be auto populated. Select from Searcher Relationship, Country (IN/INDIA). Enter Address, Nominee Pct (100 in case of single nominee. In case of more than one nominee, percentage of nominee to be distributed as per requirement of the customer). Up to 6 nominees can be given. In case nominee is minor provide DOB of nominee and also provide the Guardian details. 14. Submit A/c ID will be generated, note it on AOF in Red Ink. [Fig 8.5]

Zero(“0”) Balance account will be opened.


Fig 8.3

Fig 8.4

Fig 8.5


8.3 Verification of SB Account (By Supervisor) –

1. Menu: CASBAV – Click Go [Fig 8.6] 2. Function : V-Verify 3. Enter the A/C ID 4. Submit if everything is made correct. Cancel it if anything wrong. But super don’t have to reject.

Fig 8.6

8.4 Modification before verification [by same operator] –

1. Menu: CASBAOM – Click Go 2. Function : M-Modify 3. Enter Account ID – Click Go 4. Modify the required field. [some fields may not be modified] 5. Click Submit 8.5 Modification of existing SB Account –

1. Menu: CASBAM – Click Go 2. Function : M-Modify 3. Enter Account ID – Click Go Major Modifications: Mode of operation - Single to joint account and vice versa Nomination - Addition, Modification Account status - Silent to active 15G/15H submitted - Status to “Yes” etc.

5. Click Submit Verification by a Supervisor menu CASBAM. Function - Verify

8.6 To make Silent A/c Active –

1. Menu CASBAM- Click Go. 2. Function – Modify.

3. Account status: Click “Live” Option. [Fig 8.7] 4. Click Submit. 5. Verify the account using same menu CASBAM.

Fig 8.7

8.7 To change Scheme of SB A/c – [To be done by HO only - SB order 5/2016]

Scheme of SB account can only be changed. Transfer of SB accounts is possible only between schemes of the same product group.

When Target scheme code belongs to a different product group compared to the Source scheme code, then error “Scheme Mismatch-Account can’t be transferred” is faced.


The valid transfer scenarios are- Product Group SBSGP : SBGEN SBCHQ Product Group SPNGP : SBPEN SBPWC Product Group SANPG : SBSAN SBSWC

Procedure- 1. Menu: HACXFRSC – Click Go. [Fig 8.8] 2. Function : Select T-Transfer and Click Go 3. Enter SB A/c No [of Source scheme] and click outside. Details of current scheme will come. 4. Click the searcher of Target Scheme code and click Submit button in the following screen. 5. Select Target Scheme [e.g. SBCHQ] 6. Click Submit Instruction no will be generated. 7. Super to Verify the Instruction no 8. After verification use Menu HPR to print the report Verification procedure is shown by Figure 8.10 & 8.11

Fig 8.8


Fig 8.9

Fig 8.10

TRANSACTIONS - Cash Deposit

Fig 8.11


8.8 Issue of Cheque Book –

1. Menu: HICHB – Click Go [Fig 8.12] 2. Function – Issue 3. Acknowledgement radio button – Select “Yes” option.

4. A/C Id: Enter SB Account ID in which Cheque book to be issued.

5. Cheque Type: Select from searcher as CHQ 6. Click Go. New window is opened. [Fig 8.13] 7. A list of cheque book will show. Select the check box at left to select the Cheque book to be issued. The Cheque book should be issued serially

8. Click Submit. A message will come “Cheque book issued successfully to A/c ID” [Fig 8.14]

Fig 8.12

Fig 8.13

Fig 8.14


8.8 Issue of Cheque Book Verification–

Menu : HICHB and Click Go button [Fig 8.15] 1. Function : Select Verify 2. A/c ID : Enter the SB Account no. 3. Click Go. New window opens. [Fig 8.16] 5. In the next screen click Submit. A message will come “verified successfully” [Fig 8.17]

Fig 8.15

Fig 8.16

Fig 8.17

8.9 Cheque Book Inquiry –

1. Menu: HCHBI – Click Go [Fig 8.18] 2. A/c ID: Enter SB A/c no 3.Click Go [Fig 8.19] 4. Click View details. [Fig 8.20]

Fig 8.18


Fig 8.19

Fig 8.20

8.10 To find an Account number by a Cheque Number –

1. Menu HINQACHQ – Click Go [Fig 8.21] 2. Enter Cheque No. 3.Click Go In the next screen A/c ID will show along with A/c Holders name. [Fig 8.22]

Fig 8.21

Fig 8.22

8.11 SB Transactions – 8.11.1 SB Cash Deposit By Counter PA –

1.Menu: CTM – Click Go [Fig 8.23] 2. Function : A-Add 3. Function type: Select deposit 4. Click Go. A new window will come. [Fig 8.24] 5. A/c ID: Enter SB A/c No. and click outside. SOL and A/c holders name will show. 6. Amt: Enter the amount written in SB-103. 7. Click Post button [any deposits irrespective of amount will be in Posted stage] 8. Tran ID will be generated. [Fig 8.25] Note the Transaction ID on SB-103 in Red ink immediately. Note: In case of deposit amount is Rs. 50000/- and more and PAN no is not given previously in CIF, it will ask for PAN No. Ask the customer to submit photocopy of PAN. Change the CIF using CMRC menu for adding the PAN Number in CIF and verify it by super. If it is not done, responsibility goes to Counter PA. The counter PA may enter the PAN no in Remarks column to complete the transaction also, but inclusion of PAN in CIF must be done immediately.


Fig 8.23

Fig 8.24

Fig 8.25

8.11.2 Verification of Cash Deposit by Super – 1. Menu: CTM – Click Go [Fig 8.26] 2. Function : V-Verify 3. Enter transaction ID 4. Click Go. Next screen will come. [Fig 8.27] 5. Click Submit after checking.

Fig 8.26


Fig 8.27

8.11.3 SB Cash Withdrawal by Counter PA –

1. Menu: CTM – Click Go. [Fig 8.28] 2. Function : A-Add 3. Function type: Select Withdraw 4. Click Go. A new window comes. [Fig 8.29] 5. A/c ID: Enter SB A/c No. and click outside. Name of the A/c holder & SOL will show. 6. Click Signature view button/F9 Function Key to view signature. Click Red & white button to view details of the account if required. A/c holder’s name and Balance will be shown. Always check effective available Balance only before make any payment. 7. Amt: Enter Amount to be withdrawn. 8. Click Post button. 9. Transaction ID will be generated. Note down on SB-7 voucher.

Fig 8.28


Fig 8.29 8.11.4 SB Cheque Withdrawal by Counter PA –

1. Menu: CTM – Click Go 2. Function : A-Add 3. Function type: Select Withdraw 4. Click Go. A new window will come. [Fig 8.30] 5. A/c ID: Enter SB A/c No and click outside. Name of the originating SOL of the A/c and account holder’s name will show. 6. Check Balance & Signature. 7. Amt : Enter Amount 8. Mode of Transaction: Cheque 9. Cheque Date: Select from date Picker or enter the cheque date. 10. Enter Cheque Number. It will not come automatically. Alpha Number of Cheque is not required. 11. Click Post button Transaction ID will be generated. Note down.

Fig 8.30


8.11.5 Verification of Cash/Cheque Withdrawal by Super – 1. Menu: CTM – Click Go 2. Function : V-Verify 3. Enter transaction ID 4. Click Go. Next screen will come. 5. Click Submit after checking.

Note 1 : All withdrawal up to Rs. 5000/- will be in verified stage automatically and withdrawal over Rs 5000/- (5001/- and above) will be in Entered stage and has to be verified before making payment to customer. Transaction stage can be Checked by CTM/HTM menu and Function – Inquire. You will require Transaction ID. Transactions which are in Entered stage can be deleted using menu HTM.

Note 2 : If Withdrawal Slip is selected in case of a cheque account then an Exception will be shown during transaction by CPA & Super verification. Take permission from Postmaster before proceed.

Note 3 : Transaction ID if not found due to any reason may be obtained using HFTI Menu, in case of transactions which are in Entered/Verified/Posted stage. Transactions which are in Verified/Posted stage may be obtained using HACLI Menu.

Note 4 : Always Check Effective Available Balance before withdrawal. If withdrawal amount is more than available balance - In case of withdrawal amount is 5000/- and below, error is thrown during transaction by CPA. If amount is 5001/- and above, CPA will not get any exception or error but the Supervisor will get an error. In that case the transaction will be in entered stage and may be deleted using HTM menu.

8.12 Transaction Ledger Inquiry –

1. Menu: HACLI, Click Go [Fig 8.31] 2. A/c ID: Enter Account ID 3. Change the From date if transaction from previous date required. 4. Click Go [Fig 8.32]

Fig 8.31

Fig 8.32


8.13 Transfer Transactions (customer induced) – A customer wants to transfer some amount from his account to another account. For this

purpose one withdrawal and one deposit slip must be filled up. Check Dr. Balance before transaction.

1.Menu: CXFER – Click Go [Fig 8.33] 2. Function : A-Add 3. Function type: Transfer(default) – Click Go. New window will open. [Fig 8.34] 4. Enter Dr. A/c ID: 5. Enter Cr. A/c ID: 6. Amt: Enter Amount to be transferred. 7. Select Transfer slip (Default) 8. Click Post button 9. Note Tran ID on both vouchers. Super to verify the Transaction with the same menu CXFER. Function - Verify .

Fig 8.33

Fig 8.34 8.14 Rectification of wrong Transaction Amount X (e.g. Rs 50000) posted instead of Amount Y (e.g. Rs 5000) or posting done in wrong account number

Withdrawal of the wrong deposit made

1. Menu: CTM – Click Go 2. Function : A-Add 3. Function type: Select Withdraw – Click Go 4. A/c ID: Enter SB A/c No. where wrong amount posted and click outside. [Fig 8.35] 5. Enter Amount: whole of the amount (e.g. 50000) in case of wrong amount posted 6. Transaction particulars: Enter “Reversal - Wrong cash Deposit” [This is very important] 7. Click Post. Note down the transaction ID on the SB-7 made by the office itself if customer not available. If customer is not available, make an entry in the error book.


Fig 8.35 Deposit correct amount or in the correct account no.

1. Normal Deposit procedure with correct amount or in the correct account number using CTM 2. Note down new transaction id on the SB-103 made by the office itself. 8.15 Print Passbook –

8.15.1 New Passbook Print –

1. Menu: HPBP – Click Go [Fig 8.36] 2. Enter the A/C ID. Click outside. A/c Holders name and originating SOL of the A/c will show. 3. Click Print button. 4. First page of the Passbook will flash. Then Print window will open. Again Click Print button inside the Print window, to print first page of the passbook. [Fig 8.37] 5. A message Print OK will come – Click “Yes” if Print is done correctly. Click “No” if Print is not done correctly. [Fig 8.38] Print can be done again if “No” option is selected. After printing of first page, print transaction pages. Repeat the step 1 to 5 to print the transaction page/pages. [Fig 8.39]

Fig 8.36


Fig 8.37

Fig 8.38

Fig 8.39

8.15.2 New Continuation Passbook Issue –

1. Menu: HPBP – Click Go [Fig 8.40] 2. Enter the A/C ID. Click outside. 3. Click Modify button. 4. New Passbook : Click “Yes” option 5. Click Print button 6. Print first page then print transaction pages if any. Procedure explained above.


Fig 8.40

8.15.3 Duplicate Passbook Issue –

1. Menu: HPBP – Click Go [Fig 8.40.1] 2. Enter the A/C ID. Click outside 3. Click Modify button. 4. New Passbook: Click “Yes” option 5. Duplicate Passbook Printed: Click “Yes” option 6. Click Print button 7. Print first page then print transaction pages if any. Procedure explained above.

Fig 8.40.1

8.15.4 Passbook Reset – At the time of Duplicate passbook issue, if the customer wants to print the transaction

from a mentioned previous date, then Passbook reset has to be done before printing of Duplicate passbook. For any other reason when back dated pages print of passbook required this menu is required. 1. Menu HPBPR, Click Go. [Fig 8.41] 2. Function : RESET 3. A/c ID : Enter the A/c ID 4. From Date: Enter the date from which Transactions are required

to be print in the passbook. 5. Click Accept. A new window will open. [Fig 8.42] 6. Click the Check Box against the transaction from which print required. 7. Click Submit. A message will come “A/c ID ………….reset successfully”. [Fig 8.43] Verification by Super- 1. Menu HPBPR [Fig 8.44] 2. Function : VERIFY 3. A/c ID : Enter A/c ID 4. Click Accept. A new window will come.[Fig 8.45] 5. Click Submit. A message will come “A/c ID ………….verified successfully”. [Fig 8.46] After the reset, print the Passbook using the menu HPBP. Procedure same as described in Section 8.15.3 in case of duplicate passbook. If it is not the case of duplicate PB, then follow procedure of normal PB print described in section 8.15.1.


Fig 8.41

Fig 8.42

Fig 8.43

Fig 8.44

Fig 8.45


Fig 8.46

Note: While printing old passbook in Finacle, all the old transactions of Sanchya Post (before migration) will come. Just click print and then in the print window click cancel. Print Ok-Yes. Do this until Transactions of Finacle page show. Old transactions will have Migration date. 8.16 Branch office SB Deposit

1. Menu: CXFER – Click Go. [Fig 8.47] 2. Function : A-Add Function type: Transfer(default) come 3. Transaction type/subtype: Select T/BI-Bank Induced. [Important factor] 4. Click Go. A new window opens. [Fig 8.48] 5. Enter Dr. A/c ID: Branch settlement account number of the SOL (SOLID0339) 6. Enter Cr. A/c ID: Customer SB account No. 7. Amt : Enter the amount 8. Transaction particulars: Enter “BY CASH DEPOSIT- BO name” by removing the word “BY TRANSFER” 9. Value date: BO transaction date. [ Be cautious about the transaction date, only current date is shown here, it has to be changed to BO transaction date, if required] 10. Click Post button 11.Note Transaction ID on voucher. 12. After verification by super with same menu CXFER, transaction will appear in LOT and Consolidation.

Fig 8.47


Fig 8.48

8.17 Branch office SB Withdrawal –

[Use HACLI to see the balance before withdrawal at AO]

1. Menu: CXFER – Click Go. [Fig 8.49] 2. Function : A-Add Function type: Transfer(default) come 3. Transaction type/subtype: Select T/BI-Bank Induced. [Important factor] 4. Click Go. A new window opens. [Fig 8.50] 5. Enter Dr. A/c ID: Customer SB account No. 6. Enter Cr. A/c ID: Branch settlement account number (SOLID0339) 7. Amt : Enter Amount 8. Transaction particulars: Enter “BY CASH WITHDRAWAL-BO Name” by removing the word “BY TRANSFER”. 9. Value date: BO transaction date. [ Be cautious about the transaction date, only current date is shown here, change it to BO transaction date] 10. Click Post button. 11. Note Transaction ID on Voucher. 12. After verification by super transaction will appear in LOT and Consolidation.

Fig 8.49


Fig 8.50 8.18 SB Account closer (HO or SO Account)-

o No Trial Closer is possible in SB Account. o Before closing SB account the following should be checked-

1. There is no Float Balance, Unclear balance etc. – Check using the Menu HACCBAL/HACLI. If exists, first clear the cheque and these balances are zero, then the SB a/c can be closed.

2. No Lien is marked. - Check using the Menu HACCBAL. If Lien is there check the reason. For revoking the Lien use the menu HALM.

3. No transaction verification is pending for the account. Menu HFTI – Enter A/c ID of SB for pending transaction verification inquiry. If found use the Menu HTM/CTM to verify.

4. No modification is pending for the SB account or the CIF of the SB account. Menu HAFI-Enter A/c ID of SB for pending verification inquiry. If any pending use the menu CASBAM to verify it. Use Menu CMRC for CIF Verification pending issue.

5. Account is not freezed. If freeze Check why the a/c is freezed - if by any court order etc. Account can not be unfreezed and closed. Unfreez it using the Menu HAFSM.

6. Account is not silent (dormant). Check using Menu HACLI, Status “Active”. Use Menu CASBAM, make it active, verify it.

7. No standing instruction is linked. If linked, at the time of closer it will show the SI Serial no. Note the numbers. Delink it using the menu HSSIM. Use function Delete to delete the SI.

8. No Interest credit linked to this account. If linked, at the time of closer it will show the linked account numbers. Note it. Use the Modification menu of the scheme (MIS/TD/SCSS) and delete the SB A/c ID from Interest Credit Account ID field and Repayment A/c ID field. If the MIS/TD/SCSS account was linked and Interest posting occurs on the same day the SB A/c is tried to close, it will not allow to close the SB A/c. Even If the MIS/TD/SCSS account is closed also (which was linked to SB), on the same day the SB account can not be closed. Ask the customer to close the SB A/c on the next day.

9. No cheque Book exists. Check using HACCDET whether cheque account. If exists use the Menu HCHBM. Use Function - Destroy to destroy the Cheque book first. [See Section 8.25 for detailed procedure]


10. Interest calculation. See interest executing the HACACCR and HPR or using the Menu HAITINQ. Check the interest using HACLI. On closing system will automatically calculate Current Year Interest.

1. Menu : HCAAC-Click Go [Fig 8.51] 2. Function –Z-Close 3. Enter SB A/c ID to be closed 4. Check Transfer box if balance is there. Uncheck if balance is not there(already withdrawn) 5. Transaction type : If balance transfer box is selected, select cash if customer wants cash. Select transfer if customer has another SB a/c and wants to transfer the amount there. Select transfer also in case customer wants cheque.

Transfer A/c ID: If transfer is selected, i) Enter an SB A/c where customer

wants to transfer the cash. ii) Enter Postmasters Cheque

Account ID (SOL0340) if customer wants cheque.

6. Click Go. New window opens. [Fig 8.52] 7. Click Closer Tab 8. Select Reason Code from searcher. [Fig 8.53] 9. Click Submit. A system generated Tran ID starting with “S” may shown. [Fig 8.54] Note the Tran ID. Post the Tran ID by counter PA using HTM Menu (function-Modify). Verify the Tran ID by super-using Menu HTM. Unused cheque leaves, Standing Instructions, Interest Credit A/c no. link will be checked by

the system before closing. If system found such thing act on this, then go for account closer. [Fig 8.55]

Verify the Account closer of SB using Same Menu HCAAC. Function - Verify

While verifying the closure of SB account, if user faces the error "The account closure can proceed only if the balance is zero."

1. When account closure is initiated in HCACC, system automatically creates transaction to debit entire balance on the given SB account/Teller(in case of cash closer) and this transaction ID (starting with “S”) is shown in the result message, shown in Fig 8.54.

2. The Counter PA has to use HTM menu to post (Function – Modify) the transaction and Super has to verify this transaction using HTM menu again, so that the balance of the account becomes Zero. If the transaction ID is not noted, the same can be found out by listing all transactions of the account using HFTI and checking the status of the transactions.

3. Once the transactions are posted and verified and account balance has become zero, the Super can proceed with verification of SB closure.

Fig 8.51


Fig 8.52

Fig 8.53

Fig 8.54


Fig 8.55

8.19 Branch Office (BO) SB Account closer -

When SB7A along with Passbook is received from BO, do the following- Step-1

1. Menu : HACACCR [Fig 8.56] 2. Report to : PM 3. CCY field : Enter “INR” 4. From A/c ID: Enter the BO SB account number. 5. To A/c ID: Enter the same BO SB account number. 6. Submit A message “Batch program successfully lodged” is displayed.

Fig 8.56


Fig 8.57

Step-2

1. Menu HPR- Click Go [Fig 8.58] 2. Click Go in the next screen. 3. Click the check box against “Accrual Success Report”. [Fig 8.59] 4. Click on the Print screen button. 5. The total amount accrued as interest till date is displayed at the end of the report. [Fig 8.60]

Fig 8.58

Fig 8.59

Fig 8.60


Step-3 Interest amount shown in the report, should be added to the balance in the account and

noted On WARRANT OF PAYMENT of SB7A. This should be sent to Branch Office for closure of SB account with direction that, this is valid up to last working day of the month. Other procedure for sending sanction to BO should be followed.

Step-4

On receipt of SB7A from BO after closure, invoke the menu HCAAC for account closure.

1. Menu : HCAAC-Click Go [Fig 8.61] 2. Function –Z-Close 3. Enter SB A/c ID of BO to be closed 4. Check Transfer box. 5. Transaction type : Select Transfer 6. Transfer A/c ID: Enter BO Settlement A/c (SOLID0339) 7. Click Go. The balance amount in the account will be displayed in the A/c Information tab 8. Click Closer Tab 9. Select Reason Code from searcher. [Fig 8.62] 10. Click Submit. Total amount along with interest will be displayed. BO SB account will be closed and amount adjusted in BRANCH SETTLEMENT ACCOUNT. Note Tran ID on SB7A Verify the Tran ID by super-Same Menu. After verification, transaction will appear in LOT and consolidation.

Fig 8.61

Fig 8.62


8.20 Account Balance Check –

Balance of any account (Effective Available Balance), Float Balance (When cheques are entered) Shadow balance (Funds in clearing) of cheque, Lien Amount, Scheme code of A/c etc. can be checked using this procedure.

1. Menu : HACCBAL- Click Go. [Fig 8.63 & 8.64] 2. Enter A/c ID 3. Click Go

Fig 8.63

Fig 8.64 8.21 Account Details Check –

CIF ID of the account, Customers name, Scheme code, A/c Status, A/c Open date, Interest rate, Mode of operation, Freeze code etc. can be seen.

1. Menu : HACCDET- Click Go. [Fig 8.65 & 8.66] 2. Enter A/c ID 3. Click Go

Fig 8.65


Fig 8.66 8.22 Pre Migration Transaction Check (Transactions of Sanchaya Post) 1. Menu : TIPM- Click Go. [Fig 8.67 & 8.68] 2. Enter Account Number 3. Start Date: Enter the date from which transaction details required 4. Click Go

Fig 8.67


Fig 8.68 8.23 Stop payment –

Stop payment of a cheque referred to when the cheque is lost or damaged. This is a precautionary step to stop cheque being realized by the person not entitled to it.

o Stopping the payment of the cheque is requested by the customer.

1. Menu: HSPP – Click Go. [Fig 8.69] 2. Function – Stop Pay 3. A/c ID: Enter SB A/C no 4. Begin Chq No.: In case only one cheque leaf, enter the Cheque no. which has to be stopped. In case more than one cheque leaf, enter the Begin Cheque No. from which cheques have to be stopped. 5. No. of leaves: Enter no. of cheque leaf/leaves. In case of one cheque has to be stopped enter 1 here. In case of more than one cheque has to be stopped enter the number of cheques to be stopped. 6. Click Go. If number of cheque leaf is only one In the next Screen [Fig 8.70] 7. Enter Payee name 8. Enter Chq. Date 9. Enter Chq. Amt. (In case of more than one cheque do not enter these information) 10. Select Reason code from searcher only ( e.g. 001-chq reported Lost) 11. Submit. Note Ref No.

Fig 8.69


Fig 8.70

Fig 8.71 Verification process by Supervisor

1. Menu: HSPPAU – Click Go [Fig 8.72] 2. Function – Verify 3. Enter The Ref No and click outside. All the information will show. 5. Click Go 6. Details will be shown, Click Cheque details to check. . 7. Click Submit Note 1: You can see the stop payment information by invoking the menu HCHBI, Enter A/c ID and click Go. Now view details (refined search available). Select Back button to return. Note 2: Stop pay report can be seen from HPR menu. [Fig 8.74, 8.75 & 8.76]

Fig 8.72


Fig 8.73

Fig 8.74

Fig 8.75

Fig 8.76


8.24 Revoking Stop payment –

1. Menu: HSPP – Click Go. [Fig 8.24] 2. Function – Revoke Stop Pay 3. A/c ID: Enter SB A/C no 4. Enter Begin Chq No. 5. No. of leaves : Enter no. of cheque leaf/leaves 6. Click Go. New window opens [Fig 8.78] 7. Click Submit 8. Note Down the Ref No. Verify the Revoking of Stop payment using menu HSPPAU.

Fig 8.77

Fig 8.78

Fig 8.79

8.25 Cheque Book Destroy Procedure –

Before closing SB cheque account cheque book or remaining cheque leaves must be destroyed first.

1. Menu : HCHBM- Click Go [Fig 8.80] 2. Function: D-Destroy 3. A/c ID: Enter Account ID where cheque book was issued.

4. Begin Cheque Number: Enter begin cheque number from where it will be destroyed.

5. No of Leaves: Enter the number of remaining cheque leaves.

6. Click Go. A new window will come with details. [Fig 8.81]

7. Submit

8. Verification with the same menu HCHBM. Function- Verify [Fig 8.83, 8.84 & 8.85]


Fig 8.80

Fig 8.81

Fig 8.82

Fig 8.83


Fig 8.84

Fig 8.85

8.26 Other functions of the Menu HCHBM –

To inquire about cheque book. If the cheque is not recognized in Finacle. The main cause may be it has not been

Acknowledged. Use Acknowledge function and verify it with supervisor.

Fig 8.86


SECTION -9 PMSBY-PMJJBY-APY

9.1 PMSBY [Pradhan Mantri Suraksha Bima Yojana] & PMJJBY [Pradhan Mantri

Jeevan jyoti Bima Yojana]

[SB order no 10/2015] [Follow the SOP circulated & also available in www.Indiapost.gov.in website ]

Right now it is enabled only for Single SB account. Enabled in all the CBS PO. Date of Birth, Gender and Nomination is mandatory for these scheme. Check DOB, Gender, KYC document submitted status, Address, PAN, Aadhar details, Mobile

no. etc. properly given. For this purpose use the Menu CMRC and Function –Inquire . Check Nomination is properly given in the SB account using the menu CASBAM and Function -

Inquire. Check the relationship and nominee percentage. Also check that account is Live. Balance in the a/c must be as per SOP. For checking balance use the menu HACLI. Check the signature using menu IES.

1. Menu CPMY 2. Function : Add 3. Account ID: Enter SB Account no. 4. PM Yojana Scheme: Select from the List.

a) PM-Jeevan Jyoti Bima b) PM-Surakhsa Bima

5. Click Go 6. Click Validate in the next screen then Submit. 7. Verification done by super using the same menu 8. Once verified system will automatically deduct the amount. Rs. 330/- for PMJJBY and Rs. 12/- for PMSBY.

http://www.Indiapost.gov.in


SECTION -10 TD, MIS & SCSS

10.1 About Time Deposit Account (TD)

Time Deposit can be opened for 1 year, 2 years, 3 years and 5 years only. Any no of account can be opened.

Account can be opened in the name of minor and a minor of 10 years and above age can open and operate the account. Minor after attaining majority has to apply for conversion of the account in his name.

Deposit amount minimum Rs.200 and no maximum limit. All deposits in multiple of Rs.200. Interest is compounded quarterly. Upon maturity, Time deposit will be treated as renewed for the same period for which it

was opened from the date of maturity at CBS POs. Auto renewal is enabled in the system. [SB order 05/2014]

Lock up period of 6 months for TD accounts has been re-imposed. [SB Order No 09/2015]. When any TD accounts is closed before one Year after completion of 6 months, interest @ savings account applicable from time to time shall be payable. This will be applied for both CBS and non CBS Post offices.

In case of premature closure of 2 year, 3 year or 5 year account before or after 01.12.2011, if the deposit is withdrawn after the expiry of one year from the date of deposit, interest on such deposits shall be calculated at the rate, which shall be one per cent less than the rate specified for a period of deposit of 1 year, 2 year or 3 years as mentioned in the concerned table given under Rule 7 of Post office Time Deposit Rules. [SB Order 27/2011]. Calculation will be done automatically by the system in CBS.

Maturity amount including death claim may be transferred to SB account of the Customer/Nominee/Legal Heir.

TD interest pay-out is on yearly basis. TD interest will be transfer to SB account of the customer only.

10.2 About Monthly Income Scheme Account (MIS)

All deposits in multiples of INR 1500/- Maximum investment limit is INR 4.5 lakhs in single account and INR 9 lakhs in joint account. An individual can invest maximum INR 4.5 lakh in MIS (including his share in joint accounts) Account can be opened by cash/cheque/transfer from SB Account and in case of cheque the

date of realization of cheque in Govt. account shall be date of opening of account. Nomination facility is available at the time of opening and also after opening of account.

Account can be transferred from one post office to another. Any number of accounts can be opened in any post office subject to maximum investment limit by adding balance in all accounts.

Account can be opened in the name of minor and a minor of 10 years and above age can open and operate the account.

Joint account can be opened by two or three adults. All joint account holders have equal share in each joint account. Single account can be converted into Joint and Vice Versa. Minor after attaining majority has to apply for conversion of the account in his name.

Maturity period is 5 years from 1.12.2011. Monthly Interest may be drawn through auto credit into savings account standing at any CBS

Post offices. Maturity amount including death claim may be transferred to SB account of the

Customer/Nominee/Legal Heir. At the time of closer customer/nominee/legal heir to


mention his/her SB account no on the receipt side of the SB-7A. [SB order 12/2015 & 17/2015]

To take cash ask the customer to submit a SB-7 [normal SB transaction]. MIS A/c can be prematurely en-cashed after 1 year but before 3 years at the discount of 2% of

the deposit and after 3 years at the discount of 1% of the deposit. (Discount means deduction from the deposit.)

During cheque payment, entries made in Postmasters Repayment office Accounts (0340) by the user are to be verified by supervisor. For all the entries in this office accounts used by users/Supervisors, it will be the personal responsibility of that user and supervisor to be sure that entries are genuine and bonafide. [SB order : 17/2015]

10.3 Given below are some of the Terms used in TD/MIS/SCSS Account.

Times Description

Extension Renewal of a Time Deposit Principal

Inflow (PI)

This flow corresponds to crediting deposit amount to the deposit account for all types of deposits (except Recurring Deposits). This flow happens only once to the account i.e at account opening.

Principal Outflow

(PO)

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 Outflow

(IO)

This flow is used for paying periodical interest either cash or to savings account instead of crediting it to the Time deposit account.

10.4 General Issues regarding TD/MIS/SCSS Account -

TD And MIS Account Operation Uses Same Menu. SCSS Account opening, verification and modification use different menu. Interest payment procedure and closing procedure of TD/MIS/SCSS are same and uses

same menu. Account can be opened by Cash/Account transfer/Non DOP Cheque. Provision to open account by DOP cheque is not available right now in Finacle in case of

TD/MIS/SCSS. Use Account transfer mode instead. If Account to be opened by Account transfer, check fund is available in SB account, using

the menu HACLI. If fund is not available and account is opened, account number will be generated, but super will not be able to verify the account creation until fund is available in the SB account.

Transfer from SB account in CBS is non-cash transaction like cheque. If agent is involved and amount of transfer is more than 20,000/- the agent is still eligible to get the agent commission. The commission will be transferred to their linked SB account.

If Account to be opened by Cheque, after getting the CC list, Office account SOLID0382 has to be checked. Consolidated amount for all the cheques sent for clearing will be shown here. Use the menu HACLINQ for this purpose.

If the account is opened by Cheque, enter the cheque encashment date in the Value date field while opening the account.

The CIF of MIS/TD/SCSS A/c and CIF of Interest credit account (SB A/c) must be same, otherwise an error may come.


10.5 Monthly Income Scheme (MIS) Account opening –

Fig 10.1

1. Menu: CMISAOP – Click Go [Fig 10.1] 2. Enter the CIF ID 3. Select Product Group MIS 4. Select the Scheme code (MISN1) from Searcher List. 5. Click Go. A new window with all the data of the customers as per the CIF id will get populated 6. Select The Mode of operation – Use searcher to select 012/016/017 etc. [Fig 10.2] 7. Enter Interest Credit Account : Enter SB A/c No. of customer if Monthly interest has to be credited to his SB account. Leave Blank in case of interest payment by cash. * If the account is opened by cheque, enter the cheque encashment date in the Value date field. 8. Enter Deposit Amount Maturity date will be shown 9. If any Agent attached, Click Agent option. 10. Click Agent ID Searcher. Enter few characters in DSA name field and Submit. Agent ID List will come. Select the Agent ID. 11. Nomination : Same as explained in case of SB Account opening in Section 8.2 [Fig 10.3] 12. Enter Party details 2,3 etc If the mode of operation is 016/017(joint account). Same as explained in case of SB Account opening in Section 8.2 [Fig 10.4] 13. Transaction Required – Select Yes Radio button. 14. Transaction type : Select Cash or Transfer option. In case of fund transfer from SB A/c, Select Transfer & enter Debit A/c ID as SB A/c ID of customer. In case of A/c open by Non DOP Cheque, Select Transfer & enter Debit A/c ID as SOL0382 office account here after checking the credit amount in this office account. 15. Documents Received : Yes [Fig 10.5]

16. Number of documents received – Enter 1 ( as only AOF has been submitted by customer)

17. Select document code 016 from Searcher 18. Enter Document Date (Press Ctrl+X for current date) 19. Scan Details : Select Scan not required 20. Documents Status: Document Submitted 21. Click Submit. A message will come “Please check the Risk Category of the customer for KYC purpose” [Fig 10.6] 22. Click OK. Flow page will be shown. [Fig 10.7] 23. See the details and Click Submit. MIS A/c ID & Txn ID will be generated, Note down the Numbers on AOF. [Fig 10.8]


Fig 10.2

Fig 10.3


Fig 10.4

Fig 10.5


Fig 10.6

Fig 10.7

Fig 10.8


10.6 Time Deposit (TD) Account opening –

1. Menu: CMISAOP – Click Go [Fig 10.9] 2. Enter the CIF ID 3. Select Product Group TD 4. Select the Scheme code (TDIP1/TDIP2/TDIP3/TDIP5) from

Searcher List. 5. Click Go All the data of the customers as per the CIF id will get populated 6. Select The Mode of operation – Use searcher to select 012/016/017 etc. [Fig 10.10] 7. Enter Interest Credit Account : Enter SB A/c No. of customer if Monthly interest has to be credited to his SB account. Leave Blank in case of interest payment by cash. * If the account is opened by cheque, enter the cheque encashment date in the Value date field. If the account is opened in BO, enter the account open date in Value date field. 8. Enter Deposit Amount Maturity date will be shown 9. If any Agent attached, Click Agent option. 10. Click Agent ID Searcher. Enter few characters in DSA name field and Submit. Agent ID List will come. Select the Agent ID. 11. Nomination : Same as explained in case of SB Account opening in Section 8.2 [Fig 10.3] 12. Enter Party details 2, If the mode of operation is 016/017(joint account). Same as explained in case of SB Account opening in Section 8.2 [Fig 10.4] 13. In case of TD only Enter Auto Renewal details — Renewal Option : Select “Principal only” [Fig 10.11] 14. Transaction Required – Select Yes Radio button. 15. Transaction type : Select Cash or Transfer option. In case of fund transfer from SB A/c, Select Transfer & enter Debit A/c ID as SB A/c ID of customer. In case of A/c open by Non DOP Cheque, Select Transfer & enter Debit A/c ID as SOL0382 office account here after checking the credit amount in this office account. In case of BO TD A/c open, Select Transfer & enter Debit A/c ID as SOLID0339 office account 16. Documents Received : Yes 17. Number of documents received – Enter 1 ( as only AOF has

been submitted by customer) 18. Select document code 016 from Searcher 19. Enter Document Date (Press Ctrl+X for current date) 20. Scan Details : Select Scan not required 21. Documents Status: Document Submitted In case of BO TD account open select Branch office code from searcher. [Fig 10.11.1] 22. Click Submit. A message will come “Please check the Risk Category of the customer for KYC purpose” 23. Click OK. Flow page will be shown. [Fig 10.12] 24. See the details and Click Submit. TD A/c ID & Txn ID will be generated, Note down the Numbers on AOF. [Fig 10.13]


Fig 10.9

Fig 10.10


Fig 10.11

Fig 10.11.1

Fig 10.12


Fig 10.13

10.7 TD or MIS A/c Modification Before Verification – ( PA may modify the new TD or MIS A/c opened by him)

1. Menu: CMISAOPM – Click Go 2. Function : M-Modify 3. Enter TD or MIS A/c ID – Click Go 4. Modify the required field 5. Visit Flow Tab 6. Click Submit

10.8 Verification of new MIS or TD Account – (Verify the newly opened TD A/c – By Super)

1. Menu: CMISAOPV – Click Go 2. Function : V-Verify 3. Enter TD or MIS A/c ID —Click Go 4. Check General TAB and Flow TAB/PAGE 5. Click Submit if everything is made correct

10.9 Modification of Existing TD or MIS Account –

Modification of TD/MIS account is done for Nomination addition or modification, to make the account Single to Joint , Joint to Single and for Entering auto credit to SB A/c information.

1. Menu: CMISAM – Click Go 2. Function : M-Modify 3. Enter TD or MIS A/c ID – Click Go 4. Modify the required field 5. Visit Flow Tab 6. Click Submit

10.10 Verification of Existing TD or MIS Account –

1. Menu: CMISAM – Click Go 2. Function : M-Verify 3. Enter TD or MIS A/c ID – Click Go 4. Check the details 5. Visit Flow Tab 6. Click Submit

10.11 To update Standing Instructions from MIS/TD to SB A/c –

1. Menu: CMISAM – Click Go 2. Function : M-Modify 3. Enter TD or MIS A/c ID – Click Go 4. Interest Credit Account: Enter SB account number. 5. Visit Flow Tab 6. Click Submit 7. The modification must be verified by Super with the same menu CMISAM immediately. If it is forgotten then in the next month/year the interest of MIS or TD will not be posted in the respective SB account.


10.12 About Senior Citizen Savings Scheme(SCSS) –

1) The account may be opened by an individual,

A. Who has attained age of 60 years or above on the date of opening of the account. B. Who has attained the age 55 years or more but less than 60 years and has retired under

a Voluntary Retirement Scheme or a Special Voluntary Retirement Scheme, subject to the condition that the account is opened within one month of receipt of retirement benefits and amount should not exceed the amount of retirement benefits.

C. No age limit for the retired personnel of Defense services provided they fulfill other specified conditions.

2) The minimum and maximum deposit amount by a customer is Rs. 1000/- and Rs. 15 lakhs respectively is defined in Finacle. The deposit has to be in multiples of Rs. 1000/-.

3) Account can be opened by cash for the amount below INR 1 lakh. By cheque only for amount INR 1 Lakh and above. In case of cheque, the date of realization of cheque in Govt. account shall be date of opening of account.

4) The account can be opened single and jointly with spouse only, and first depositor in Joint account is the investor.

5) Any number of accounts can be opened in any post office subject to maximum investment limit by adding balance in all accounts.

6) Nomination facility is available at the time of opening and also after opening of account. 7) Account can be transferred from one post office to another. Transfer of Account is

possible between CBS Post Office to CBS Post Office. CBS Post Office to Non CBS Post Office and Non CBS Post Office to CBS Post Office is not allowed.

8) In case of SCSS accounts, quarterly interest shall be payable on 1st working day of April, July, October and January. It will be applicable at all CBS Post Offices.

9) Interest Rate is 8.6% per annum (from 01-04-2016), payable from the date of deposit of 31st March/30th Sept/31st December in the first instance & thereafter, interest shall be payable on 31st March, 30th June, 30th Sept and 31st December.

10) The interest type is Interest Outflow (IO) in Finacle. The interest is paid quarterly to the customer’s operative (Savings) account standing at any CBS Post office by defining the interest repayment account in Finacle.

11) Maturity period is 5 years. 12) No withdrawal shall be permitted before the expiry of a period of five years from the date

of opening of the account. The depositor may extend the account for a further period of 3 years within 365 days after maturity by giving application in prescribed format. In such cases, account can be closed at any time after expiry of one year of extension without any deduction. No auto renewal is allowed.

13) The lock in period of the deposit is one year, that is, the depositor cannot withdraw the deposit before one year. If the depositor tries to withdraw the amount before one year, the system displays an error for the same.

14) Premature closure is allowed after one year. 15) The penalty for pre-closure are defined in Finacle and are as follows:

Up to 1 year - No penal rate is configured, since no part closure is allowed on SCSS Scheme.

From 1 year - 2 years - 1.5% of Principal will be debited (deducted) from the SCSS account.


Above 2 years - 5 years - 1% of Principal will be debited (deducted) from the SCSS account.

16) For opening a SCSS account, PAN card is mandatory where the customer is liable for deduction of TDS. Declaration in Form 15G or 15H can be given if applicable. In that case TDS will not be deducted.

17) The Interest rate will be as applicable on the date of opening. 18) TDS is deducted at source on interest if the interest amount is more than INR 10,000/- p.a.

If customer submits declaration in form 15 G or 15 H, TDS will not be deducted. 19) Investment under this scheme qualifies for the benefit of Section 80C of the Income Tax

Act, 1961 from 1.4.2007.

10.13 Opening of Senior Citizen Savings Scheme (SCSS) –

1. Menu: CSCAOP – Click Go [Fig 10.14] 2. Enter the CIF ID 3. Scheme code : Click Searcher – then Select Scheme SCSCM/SCDEF/SCVRS (as applicable)

4. Click Go. New window with all the data of the customers as per the CIF id will be get populated. [Fig 10.15]

5. Enter Deposit Amount. Maturity date will be shown. 6. Enter Interest Credit Account: Enter SB A/c No. of customer for auto transfer of quarterly interest to his/her SB account. Leave Blank in case of interest payment by cash. 7. Tax Form : Select NONE/15G/15H 8. Tax Category: N-No Tax/Customer tax

deducted at source etc. If 15G/15H is submitted: NONE is selected by default. Delete the word “NONE” in Tax Form field and enter 15G/15H. In Tax Category field, Select - No tax. [Fig 10.15.1] If 15G/15H is not submitted do not change anything here. 9. Select The mode of operation – Use searcher to select 012/016/017 etc. (as applicable) 10. Select Transaction Check box. If PAN no is given it will show. [Fig 10.16] 11. Transaction type: Select Cash or Transfer option. In case of fund transfer from SB A/c, Select Transfer & enter Debit A/c ID as SB A/c ID of customer. In case of A/c open by Non DOP Cheque, Select Transfer & enter Debit A/c ID as SOL0382 office account here, after getting the CC list and checking the credit amount in this office account. 12. Select Document details Check box. 13. Number of documents received – Enter 1 (

as only AOF has been submitted by customer) 14. Select document code from Searcher(016) 15. Enter Document Date (Press Ctrl+X for current

date) 16. Scan Details : Select Scan not required 17.Documents Status: Document submitted 18. Enter Party details 2 If the mode of operation is 016/017(joint account). [Fig 10.17] Same as explained in case of SB Account opening. Select Relationship only as SPOUSE 19. Select Nomination Check box If opted for. [Fig 10.18]

20. Nomination : Same as explained in case of SB Account opening. Note Nomination no on AOF.

21. Click Submit. A message will come “Please check the Risk Category of the customer for KYC purpose” [Fig 10.19] 22. Click OK. Flow page will be shown. [Fig 10.20] 23. See the details and Click Submit. SCSS A/c ID & Txn ID will be generated, Note down the No. [Fig 10.21]


Fig 10.14

Fig 10.15

Fig 10.15.1


Fig 10.16

Fig 10.17


Fig 10.18

Fig 10.19

Fig 10.20

Fig 10.21


Verification to be done by super –

1. Menu CSCAOPV- Click Go 2. Function : Verify 3. Enter A/c ID of SCSS account 4. Check and submit/F10

10.14 Modification of SCSS Account –

Modification of SCSS a/c is done for Nomination addition or modification, to make the account Single to Joint with spouse, Joint to Single, Entering auto credit to SB A/c information and entering 15g/15H information.

1. Menu : CSCAM 2. Function : Modify 3. Enter SCSS A/c ID 4. Click Go 5. Make the changes 6. Submit 7. Verify with the same menu CSCAM by Super

10.15 View TD/MIS/SCSS Interest (Only to view Interest amount) – Using the menu HTDTRAN interest generated for a particular TD/MIS/SCSS account or not can be seen. Through this procedure the account where (SB A/c or Sundry A/c) the interest has been posted can also be seen.

1. Menu: HTDTRAN – Click Go [Fig 10.22] 2. Enter TD/MIS/SCSS A/C ID 3. Click Go/F4 4. Click on Date to see details of transaction and where the interest has been posted. 5. See Figure 10.24 - Interest credited to SB A/c. See Figure 10.25 - Interest credited to Sundry Account Number.

Fig 10.22


Fig 10.23

Fig 10.24

Fig 10.25

10.16 View TD/MIS/SCSS Interest (To view Interest amount and whether paid to customer) – This menu is used to see only the pre-migrated interest.

1. Menu: HIOT – Click Go [Fig 10.26] 2. Click Submit in the next screen 3. SOL Set ID : Enter Sol ID [Fig 10.27] 4. A/c ID: Enter Sundry A/c of MIS/TD/SCSS etc. 5. Start date: Delete if any. 6. End date: Current date 7. Ref No. : Enter A/c ID of MIS/TD/SCSS. 8. Submit [Fig 10.28] Due amount is shown in Transaction Amt column. If Reverse Amt column is “0” then amount is not paid yet. If reverse amount column is showing some amount then amount is already paid.

Fig 10.26


Fig 10.27

Fig 10.28 10.17 TD/MIS/SCSS interest payment –

In Finacle Interest of MIS account first flows to MIS Sundry office account no. SOLID0337. Interest of TD account first flows to TD Sundry office account no. SOLID0335. Interest of SCSS account first flows to SCSS Sundry office account no. SOLID0338. From these office accounts payment to customer may be done by cash/cheque/transfer to SB

account. If Auto credit of interest (Standing Instruction) is done, then the interest flows to interest credit account (SB A/c of customer).

1. Menu: HTM – Click Go. [Fig 10.29] 2. Function – Add 3. Transaction type/sub type : i) Select Cash/Normal Payment for Cash Payment.

ii) Select Customer Induced for Transfer the Interest amount to SB A/c of customer.

iii) Select Customer Induced for Transfer the Interest amount to SOL0340 (Postmasters cheque a/c) for cheque payment. 4. Click Go button. A new window will come. [Fig 10.30] First give MIS/TD/SCSS A/c ID in the A/c ID box and click Signature button to check the signature. After checking close it and delete the MIS A/c no given. Now do the following- 5. A/c ID: Enter Sundry A/c ID for TD/MIS/SCSS Interest (e.g. SOLID0335/0337/0338) 6. Ref.CCY/Amt: Enter Amount(exact interest amount may differ, so if not known, enter 1 here or enter the amount written on the voucher) 7. Ref No: Enter TD/MIS/SCSS A/c No. 8. Click Go button adjacent to Restore Value A New screen will come [Fig 10.31] 9. Delete the Start Amt and End Amt 10. Ref No: Enter TD/MIS/SCSS A/c No. 11. Click Go.


12. Another Window will come. [Fig 10.32] Here exact amount of TD/MIS/SCSS interest will be fetched from TD/MIS/SCSS Sundry deposit A/c. If more than one interest is due (before & after migration period or Interest not withdrawn for more than one month) it will show more than one entry. Interest Amount to be paid will show here under Tran Amt column. Click the check box/boxes on the left to make payment. If 1 is entered in Amt field in the first page or interest amount shown differ what is entered in on the first page, Reversing Amount column will show amount 1.00 or the amount entered on first page. Click back button (adjacent to Accept button below) to return to the previous screen. Again click back button to return to the first page. Modify the amount in Ref.CCY/Amt field to exact interest amount shown in the 3rd page under Tran Amt Column. Again follow from Step 7 to step 11 then Click the Check box/boxes on the left. 13. Click Accept button. [Fig 10.33] The First screen will return. [Fig 10.34] 14. Click Post button at bottom to complete cash transaction. Transaction ID will be generated. 15. Click Add Button If amount to be transferred to SB account/SOL0340 (cheque payment) after Step 13. [Fig 10.35] 16. Click Credit Option. 17. Enter SB account no in A/c ID field. 18. Click Contra button to get the amount in Amt box 19. Click Post. Transaction ID will be generated.

Verify the Transaction by Super using menu HTM. Function – Verify, Enter Tran ID, Click Go, Submit after checking.

Note 1: Any withdrawal for TDA product(TD/MIS/SCSS) interest transactions will be in Posted stage. So be careful before doing the transaction. Note 2: Due interest amount is also inquired using HTM [Procedure shown above upto step 12]

Fig 10.29

Fig 10.30


Fig 10.31

Fig 10.32

Fig 10.33


Fig 10.34

Fig 10.35 10.18 BO TD Interest Payment at Accounts office –

When SB7 is received from BO for sanction of interest, PA at Account Office (SO/HO) first Invoke the menu HTDTRAN or HIOT to check the interest accrued for the said TD account.

The interest accrued should be written in the Payment Warrant (SB7) and after verification and signature of Supervisor, send back SB-7 to BO concerned after following the laid down procedure for sending sanction to BO. On receipt of TD SB7 after payment from BO, the following procedure has to be followed by PA for entering the Interest paid on TD account.

1.Menu: HTM – Click Go [Fig 10.36] 2. Function – Add 3. Transaction type/sub type : Select Cash/Cash Transfer 4. Click Go button. New window will come. [Fig 10.37] Debit option is selected by default. 5. A/c ID: Enter Sundry A/c ID for TD Interest (SOLID0335) 6. Ref.CCY/Amt: Enter Interest Amount to be paid 7. Ref No: Enter BO TD A/c No.


8. Click Go button adjacent to Restore Value A New screen will come. [Fig 10.38] 9. Ref No: Enter TD A/c No. 10. Click Go. 11. Another Window will come. [Fig 10.39] Here exact amount of TD interest will be fetched from TD Sundry deposit A/c. Interest Amount to be paid will show here under Tran Amt column. Click the check box/boxes on the left to make payment. [Fig 10.40] 12. Click Accept button. The First screen will return [Fig 10.41] 13. Click Add Button 14. Click Credit Option. 15. Enter BO Settlement office account (SOL0339) in A/c ID field. 16. Click Contra button to get the amount in Amt box. 17. Ref No: Enter BO TD A/c No. 18. Click Post. Transaction ID will be generated. Verification of Tran ID by Super. Menu HTM, Function Verify, enter Tran ID, Click Go, Submit after checking.

Fig 10.36

Fig 10.37


Fig 10.38

Fig 10.39

Fig 10.40


Fig 10.41 10.19 TD/MIS/SCSS interest payment of other SOL -

This is called INTERSOL TRANSACTION. Same procedure to be followed as interest payment of own SOL. No need to Transfer the TD/MIS/SCSS account. At the time of payment put the Sundry account no of other SOL. For example, MIS interest of an MIS account which stands at Barabazar HO (SOL: 70000700) to be paid from Park street HO (SOL : 70001600). The MIS interest is in the Sundry account of Barabazar HO. While withdrawing the interest through HTM menu at Park street HO enter MIS Sundry account of Barabazar HO (700007000337) in A/c ID field.


10.20 About Closer of TD/ MIS/SCSS Account –

In Finacle closer of TD/MIS/SCSS Accounts have two types – A) L-Trial Close & B) Z-Close Both procedures are same but L-Trial close is done to see the maturity value of closer only. The maturity amount can be seen in a report format. Z-Close must be done to close the account after doing the trial close.

L-Trial Close is mandatory in the following cases- 1) In case of Branch Office account close. 2) In case of Premature closer of account (due to death or normal premature). 3) In case of Closer of account where Post Maturity Interest (PMI) generated. 4) When It will be required to sent exact figure of closing amount to cheque drawing

office, if payment to be given by cheque. Closer may be of following types –

1) Normal closer on maturity of the account. 2) Premature closer (where account holder is alive and all the conditions of premature

closer of the account is fulfilled.) 3) Premature closer (Due to Death of account holder). 4) Premature closer(Due to court order or forfeiture etc.)

Payment of Closer amount may be given by 1) Cash (if amount is less than Rs. 20,000/-). 2) Cheque – Any Amount. 3) Transfer to SB Account - Any Amount. In case of death claim also the maturity value

may be transferred to SB account of Nominee or legal heir.

Closer of TD/MIS/SCSS account may be done for accounts of other SOL also. The Counter PA should first check that Account(s) are genuine and stand in Finacle. He/She will verify signatures of the holder(s) on the withdrawal Form or Account Closure Form with that available in Finacle. Once, it is confirmed from the signatures that holder is genuine, payment of interest should be made first to the account holder as per process being followed for normal withdrawal. Take SB10(b) form, fresh ID as well as Address Proof from the customer. After proper verification of KYC documents, Accounts(s) first to be TRANSFERRED IN by HO. Then do the Closer process. Whenever any account is closed at the office other than the office where account was opened, in any case, payment should not be made by cash and payment should either be made by crossed cheque or credit to savings account (where required KYC documents have been taken) only. [Ref: SB order 7/2015]

Do not TRANSFER IN the Account before interest payment, if any due (remains in Sundry A/c of the SOL) for the TD/MIS/SCSS account.

In case of BO account closer, closer amount is transferred to Repayment account. If BO is mapped properly BO settlement account (SOL0339) is shown automatically. If Repayment account is shown as Postmasters cheque account (SOL0340), then amount to be transferred to BO settlement account (SOL0339) later.

During closer if any mistake is done in closer process by operator, the closer process can be cancelled by the Supervisor. But once verified nothing can be done from any level.

Before closing any account check the name of the account holder so that no wrong account is closed. If any account is closed wrongly there is no procedure to revert it back at any level.

In case of death closer also the closer amount may be transferred to SB account of the legal heir.


In case of Joint MIS Account where one of the joint holders dies and the investment in the

account(s) is more than the MIS investment limit fixed for single holder, the user needs to withdraw the excess amount by using MIS closure menu.

1) In case of death of 1st holder (Main holder in finacle) of the MIS Account, death marking in CIF level is to be done after withdrawal. Then Invoke CIF merger menu to change the CIF ID of the main holder to that of remaining holder, who would be the main holder in the account. Date of effect of half withdrawal will be date of death.

2) In case of death of 2nd or 3rd holder of the MIS Account, half withdrawal is done first. Then modification menu of MIS is used to delete the 2nd or 3rd holder. Next death marking done in CIF level. Date of effect of half withdrawal will be date of death.

Premature closer of SCSS accounts to be done only in HO. In case of MIS death claim closer, closer value date will be the current date and not the date

of death. The nominee or legal heir is eligible to get total deposit value including due interest. [Ref: POSB Manual Vol-III, CH-8, Page-49]

In case of TD premature closer during the death closure of a TD account, the User has to choose the previous completed year of TD tenure, as the closure value date. e.g. TD account was opened on 5-3-2010 for 5 years. The customer dies and the legal heir of customer asks for closure on 25-10-2013. Since TD has run for 3 years, 7 months and 20 days, during closure the user has to choose the completed year of the tenure as on date of death i.e. 3 years only and enter the closure value date as 5-3-2013.

During Normal TD/MIS premature closure, the user does not need to change the closure value date.

All the due interest first to be paid before the closer. In case of MIS closer, Principal amount, Bonus amount (if any), PMI if any, PMI on Bonus (if

any) will be shown on closer. In case of Transfer to SB a/c, total maturity amount is credited to SB Account. In case of cash closer total amount credited to postmasters cheque account. Cash pending transaction (HCASHPND) is done to credit the Teller account. If Bonus amount is not credited to teller account and retain in postmasters cheque account then that amount may be paid by cheque.

During TD/MIS/SCSS account closer if found an error “ Value date is more than value date” - The error occurred when try to transfer the maturity value to an SB Account, which is opened after the maturity date of the TD/MIS/SCSS account. In this situation ask the customer for cheque payment or transfer the maturity value to some other SB account opened before the maturity date of the TDA account or ask the customer to wait for a PMI in the matured TDA account (to take payment one month after of maturity date of the TDA account).

10.21 Closer of TD/MIS/SCSS A/c on Maturity /Premature/ Death closer -

Step 1: Use menu HTDTRAN to see interest is generated for the current month and whether it has been credited to Sundry account or SB account. See Section 10.15 for details. If the interest credited to SB a/c, it can be checked using menu HACLI. If the interest credited to Sundry account proceed to Step 2. Step 2: Ensure that interest has been paid. Check this using the menu HIOT if Pre migration interest is due. For details see Section 10.16. If it is not shown by any reason use the menu HTM to see the interest amount if any and whether it is paid or not. See Section 10.17 for details. If the interest is paid from sundry Account or automatically credited to SB account then proceed for closer.


Step 3: L-Trial Close and Z-Close. They are same procedure but Trial closer is not actual closer. You have to do the Z-Close (actual closer) to complete the job.

1. Menu: HCAACTD – Click Go [See Fig 10.42] 2. Function – Z-Close or L- Trial Close 3. A/c ID: Enter TD/MIS/SCSS A/c No. and click outside. Closer Value Date and Withdrawal Amt will be populated automatically. [Closer value date to be changed according to the rule of the respective scheme. Withdrawal amt to be changed in case of MIS half withdrawal if applicable. 4. Click Signature button or press F9 to see the signature. 5. Click Go System will generate a message “Pay all unpaid interest from Sundry

Account” Click OK. (This is very Important) A new screen will come and Account information page/tab will show. [ See Fig 10.43] 6. Click on “Closer Details” TAB 7. Select Close mode – A) In case of Transfer to SB A/c of customer

I. Select SB A/c option. II. Repayment A/c ID: Enter Customer’s SB Account No. [See Fig 10.44]

B) In case of Cheque payment Select Repayment A/c option. SOLID0340 will come automatically in repayment account ID box. [See Fig 10.45]

C) In case of Cash payment Select Cash only and select Cash CCY Code: INR [See Fig 10.46]

D) In case of BO A/c closer Select Repayment account only. BO settlement account (SOL0339) will come automatically if BO is mapped properly. If Postmasters cheque account (SOL0340) is shown, after closer transfer the amount to BO settlement A/c SOL0339 using menu CXFER. While doing CXFER, Debit the Postmaster cheque account and credit the BO settlement account. 8. In case of death claim Select NO option in Collect Penal Int. (This is very Important) 9. Click on “Closer Exception” TAB 10. Closer Reason Code : Enter Closer reason code or Select from searcher. a) In case of Maturity/ Premature closer select NORML as Closer reason. b) In case of death claim select DTCLM as Closer reason. [See Fig 10.47] 11. Click Submit *Note: No Tran ID is generated in case of closer. In case of premature closer system will through an EXCEPTION “Premature Closer” – Click Accept button if it is a premature closer case otherwise Cancel. See the details and click Ok. [Fig 10.48.1 - 10.48.3]

Fig 10.42


Fig 10.43

Fig 10.44


Fig 10.45

Fig 10.46


Fig 10.47

Fig 10.48.1


Fig 10.48.2

Fig 10.48.3

Step 4: Verification of closer of TD/MIS/SCSS account – by super

1. Menu: HCAACVTD – Click Go [Fig 10.49] 2. Select Function – Verify For verification 3. A/c ID: Enter TD/MIS/SCSS A/c No. 4. Click Go 5. Visit Closer Details TAB 6. Visit Closer Exception TAB and Click Submit 7. In case of premature closer system will through an EXCEPTION “Premature Closer” – Click Accept button. See the details and click Ok. Note: If for any reason the account closer has to be Canceled select Function-Cancel and proceed. The cancel procedure is same as verification procedure. After verification account closer can not be cancelled.


Fig 10.49 Step 5: Cash payment (below rs. 20,000/-) of TD/MIS/SCSS involves two more steps –

1. Payment by PA

1. Menu: HCASHPND – Click Go [Fig 10.50] 2. Function – Process 3. Originating A/c. ID: Enter TD/MIS/SCSS A/c No. 4. Click Go A new screen will come [Fig 10.51] 5. Click on Srl No. 00001/00002 etc. (which is applicable to this transaction)

6. Click Post. [Fig 10.52] an exception may come. Click on Accept. [Fig 10.53] Transaction ID to be noted. [Fig 10.54]

2. Verification By SUPER

1. Menu: HTM – Click Go 2. Function – Verify 3. Enter Transaction ID – Click Go 4. Check and click Submit.

Fig 10.50

Fig 10.51


Fig 10.52

Fig 10.53

Fig 10.54

10.22 BO TD Closer –

When SB7A is received from BO for sanction of TD closure, Invoke TD Trial closure for the required BO TD account and send SB7A to BO concerned by filling closure amount on Warrant by following the laid down procedure for sending sanction to BO.

Before doing Trial Closure, unpaid TD interest if any should be checked by using HTDTRAN or HIOT menu. Total amount to be paid along with unpaid interest should be mentioned on the SB7A on the Warrant of Payment Side with signatures of Supervisor.

It should also be mentioned that sanction is valid up to last working day of the month and if customer does not come for closure up to that day, fresh sanction should be obtained. All other provisions mentioned in the rules should be followed.

On receipt of closed voucher from BO, the following procedure to be followed –


1. Menu HCAACTD, Click Go 2. Function : Z – Close 3. A/c ID: Enter the BO TD account 4. Closer Value date: Account closer date at Branch office, based on the sanction of SO/HO. 5. Click on SVS (Signature Verification System) icon to verify the signature in the BO Withdrawal voucher. 6. Click Go. A new window will come. BO TD account details will be displayed. Check the amount of principal. 7. Click on “Closure Details” Tab 8. Select the R-Repayment A/c only option for BO Accounts. Branch Settlement account (SOLD ID 0339) will come, if BO is mapped properly or Post masters Cheque Account (SOL ID 0340) will come automatically. 9. Click on “Closure Exceptions” Tab 10. Select the Closure Reason Code as NORMAL from the Searcher if Closer is normal. 11. Click on Submit. Closure details detailing the principal, interest adjustment and actual Booked Interest paid as maturity proceeds to the BO TD account to be verified with the voucher. After verification, transaction would appear in LOT and Consolidation.

10.23 Inquiring Accounts using BO Code –

Invoke HACSP menu. Enter the Sol ID, Scheme code, Open Date (Low), Open Date (High), Free Code No. and

Free Codes fields. Scheme Code for SB is SBGEN and RD is RDIPN. Open Date (Low) and Open Date (High) are the account opening dates. All the accounts

which are opened in this Date Range will be listed. In Free Codes field, enter the actual BO code or select from the searcher also. After entering all these details click on Submit. All the accounts for the specified criteria will be displayed.

10.24 Extension of SCSS Accounts –

SCSS account can be extended after completion of 5 years. Extension can be done within 365 days (1year) after completion of 5 years.

1. Menu: HTDREN (Term Deposit RENewal) [Fig 10.55] 2. Function - Renewal 3. A/c ID: Enter SCSS A/c ID 4. Click Go. A new window will come. In this window Effective open date will show as maturity date of the account [Fig 10.56] 5. Renewal option : P-Principal only 6. Print Renewal Confirmation: Select Immediate option. 7.Submit

Fig 10.55


Fig 10.56 10.25 Submission of 15G/15H in SCSS Accounts –

1. Use Menu CMRC. Function –Inquire. Enter CIF. Click Go. Check Tax Deduction at Source table code is “NOTAX”. If it is NOTAX, do nothing. If it is not so make it NOTAX using function – Modify. Verify it by Super.

2. Use Menu CSCAM. Function-Modify. Enter SCSS A/c ID. Click Go. [Fig 10.57] 3. The word “NONE” is selected by default in Tax Form Field. Delete the word “NONE”. 4. 15H/15G is to be selected in Tax Form field from searcher 5. In Tax Category field, Select - No tax option 6. Submit. 7. Verify by Super with the Same Menu CSCAM.

Fig 10.57


10.26 Refund of TDS if wrongly deducted in SCSS Accounts –

As and when it is found that TDS is wrongly deducted, following process should be followed to refund TDS:- 1. Write an error in the Error Book showing detail of account number and amount of TDS

wrongly deducted. 2. Use HRFTDS menu and enter the SCSS account ID in the field “From A/c ID & To A/c ID” and

select Trantype as Transfer. Cash option should not be used in trantype. 3. On clicking Go, the TDS amount deducted will be shown. 4. In the “Refund A/c ID” field, enter the customer's SB a/c if customer has savings account in

any CBS post office or if customer wants cash to be paid, enter office account 0340 and pay cash.

5. In the evening, show this amount as TDS Refund in the daily account or cash book.

Note :- Refund has to be made only before submission of tax returns by respective HOs. No TDS refund should be made after remitting TDS to IT Department. Customers can get reimbursement only from IT department after filing returns. 10.27 Premature Closer of SCSS in Lock in period –

1. SCSS death closure can be done only at HO. 2. When death is reported, first of all, date of death is to be entered in CIF Modification menu

CMRC and verified by the Supervisor with the same menu. 3. After sanction of death claim case, account closure form along with Passbook is to be sent to

HO (if account stands at SO). 4. Only Supervisor of HPO can close the account by following the process given below and

Postmaster of HPO has to verify the transaction:- a) First Supervisor has to invoke HINTTM menu and give the SCSS account number and

choose SBRATE and give start date as Date of death and Verifier can verify the same record. This is done to ensure until date of death, SCSS rate is given to customer and from date of death till date only SB rate will be given to customer.

b) After HINTTM verification, user can invoke HCAACTD and system will automatically change the closure value date and user has to apply mind and change the reason code as "DEATH" to ensure no penalty is applied to this account.


SECTION -11 RECURRING DEPOSIT(RD)

11.1 About Recurring Deposit

The customer can open an RD account for a fixed amount and for a fixed period of 60 months. After 60 months it can be further extended for the period of 60 months where there will be no default installment.

An RD account can be opened for single or with joint holders with nomination facility. There will not be any nomination facility provided for minor accounts. Joint account can be opened by two adults.

Account can be opened in the name of minor. A minor of 10 years and above age can open and operate the account. Minor after attaining majority has to apply for conversion of the account in his name.

Single account can be converted into Joint and Vice Versa. Any number of accounts can be opened in any post office. Account can be transferred from one post office to another. The minimum deposit installment amount for opening a RD a/c is Rs.10/- per month and in

multiples of Rs.5/- and there is no maximum limit. Account can be opened by cash/cheque. In case of opening by cheque the date of deposit of

the cheque shall be date of presentation of cheque. In case of deposits made in RD accounts by Cheque, date of credit of Cheque into

Government accounts shall be treated as date of deposit. From 1.4.2016, interest rates will be 7.4% per annum (quarterly compounded). On maturity

INR 10/- account fetches INR 726.97. If the RD deposit installment has not been made within due date, it is considered as default

installment. For example, an RD account was opened during 1st to 15th of a month, and then the next RD instalment can be paid anytime till the 15th of the succeeding month. If the RD was opened during 16th to 30th / 31st of any month, then the next RD installment can be paid anytime till the 30th / 31st of the succeeding month.

In case of more than four defaults the account will be treated as discontinued and revival of such an account will be permitted within a period of two months from the month of fifth default. Interest at the rate of 5 paisa, for every five rupees of a defaulted installment for each month of default, will also to be paid along with such deposit in lump sum. If the default deposit installment should not happen within these two months, the a/c will freeze by the system. An account where such defaulted installments are not deposited shall be treated as a discontinued RD.

Rebate on installment amounts are allowed to accounts where some installments are received in advance. There should not be any discontinuity in earlier installments paid. A minimum of 6 installments are accepted in advance for availing the benefit of rebate. The rebates are slab based.

Full maturity value allowed on R.D. Accounts restricted to that of INR. 50/- denomination in case of death of depositor subject to fulfilment of certain conditions.

A pre-mature closure of an RD account is allowed only after 3 years.


11.2 RD Account Open –

Note : While opening RD a/c instalment amount will be in Entered level and agent commission will be in Posted level.

1. Menu: CRDOAAC – Click Go [Fig 11.1] 2. Enter the CIF ID 3. Scheme code : Select from searcher. Click the searcher then Click Submit. Now select the scheme as RDIPN. The scheme code RDIPN can be entered directly by typing also.

4. Click Go

A new screen will come. All the data of the customers as per the CIF id will get populated automatically. 5. Mode of Operation : Select from searcher 012/016/017 etc. [Fig 11.2] Under Scheme details: 6. Value date: Enter Date of presentation of cheque, if open by cheque. [Fig 11.3] Enter BO open date in case BO RD open 7. Monthly Installment amount: Enter amount, maturity value will be shown. 8. Select Agent Radio button if agent attached. 9. Sourcing Dealer ID: Select Agent ID from searcher if any Agent attached. Under Transaction details : 10. No of Installment: Enter no. of installment the customer wants during opening an Account. Usually it is 1. If anybody wants to open the RD by depositing advance deposit enter 6/12/24 months etc. Minimum 6 months advance has to be given to get 1% rebate. To get 4% rebate 12 months advance has to be given. The rebate will show. Transaction required : Yes 11. Transaction type : Select Cash or Transfer option. 12. Debit A/c ID: Enter A/c ID a) In case of fund transfer from SB A/c, Select Transfer & Enter Debit A/c ID as SB A/c ID of customer. b) In case of A/c open by Non DOP Cheque, Select Transfer & Enter Debit A/c ID as SOL0382 office account here after checking the credit amount in this office account. c) In case of A/c open by DOP cheque, Select Transfer & Enter SB Account no of the cheque. d) In case of BO RD A/c open, Select Transfer & Enter Debit A/c ID as SOL0339 office account 13. In case account open by DOP cheque, enter Cheque number in Instrument alpha/Sl no and cheque date in Instrument date. Under Document details : 14. Account documents received : Select Yes 15. Number of documents received – Enter 1 ( as only AOF has been submitted by customer)

16. Document Details 1 : Only Document details 1 to be filled up i)Select document code from Searcher(016) ii)Enter document Date (current date) iii) Scan details : Select Scan not required iv) Documents Status: Select Sent to CPC 17. Enter Related Party details 2, If the mode of operation is 016/017(joint account). [Fig 11.4] Same as explained in case of SB Account opening 18. Nomination : If Nominee exists Click “Yes” Note Nominee No. on AOF 19. Enter nominee details – If CIF of nominee exists enter CIF. All the details will come. Otherwise enter Name, Address, Pincode. Enter Country(IN/INDIA), Relationship and Nominee pct (100 in case of single nominee). Nominee pct=> Nominee percentage [Fig 11.5] 20. If nominee is minor Select Nominee Minor as “Yes”. Enter Date of Birth. Enter Guardian details. 21. Click Submit. [Fig 11.6] 22. Flow page will come. Click Submit again. [Fig 11.7] RD Ac ID will be generated note it on AOF [Fig 11.8]


Fig 11.1

Fig 11.2


Fig 11.3

Fig 11.4


Fig 11.5

Fig 11.6

Fig 11.7


Fig 11.8

11.3 Verification of RD Account Open –

11.4 RD Installment Deposit when Account stands at HO/SO –

Note 1: Any RD deposit transaction will be in Entered State. In case of wrong deposit made, transaction may be deleted using Delete function. After verification of RD deposit transaction,

1. Menu: CRDOAACV – Click Go 2. Function : V-Verify 3. Enter the A/c ID: 4. Click Submit One message will come “No DSA attached to this account” if no agent is

attached. Click Ok

1. Menu: CRDP – Click Go [See Fig 11.9] 2. Function : A-Add 3. Transaction Type: Select C/NR-Cash Deposit if RD is deposited by cash Select T/CI- Customer Induced if RD is deposited by POSB cheque/ Other Bank Chque/Transfer from SB account 4. Click Go A new screen will come 5. RD A/c ID: Enter RD account no. and click outside [See Fig 11.10.1 & 11.10.2] 6. Total Amount: Enter installment amount. More than one installment amount can be given. In case of advance installment deposit also, enter total deposit amount and not the amount after the rebate or default, if any. Rebate & default fee will be calculated by the system. In case of discontinued account (6 monthly installments are not paid) the system will show error “Credit account is in invalid status or Total Frozen”. No of installment, Transaction amount, Rebate amount and default fee if any will show automatically on entering the amount. How Rebate is coming, is shown In Fig 11.10.1. How Default fee is coming, is shown in Fig 11.10.2. In case of Deposit made by DOP Cheque : i) Mode of payment: Select Cheque option. ii) Enter Cheque date iii) Cheque Num: Enter Cheque Number iv) Account ID: Enter SB account No of the cheque. v) Transfer Amount : Enter Transaction amount shown in the above panel. [Fig 11.10.3]

In case of Deposit made by Non DOP Cheque : i) Mode of payment: Select Transfer option ii) Value date: Enter cheque encashment date. iii) Account ID: SOLID0017 iv) Transfer Amount: Enter Transaction amount shown in the above panel. [Fig 11.10.4] [Note: Cheque amount must be equal to transaction amount. Before preparing cheque ensure the exact transaction amount. Cheque to be lodged in SOLID0017 office a/c. After clearance of the cheque, office a/c must be checked to see, whether amt credited to this a/c. The whole procedure must be completed within last payment date of the RD account.]

In case of Deposit made by Account Transfer: i) Mode of payment: Select Transfer option ii) Account ID: Enter SB account No. iii) Transfer Amount: Enter Transaction amount shown in the above panel. [Fig 11.10.5] 7. Click Submit, Transaction ID will be generated. [See Fig 11.11]


amount is posted in ledger and verified as well. So, after the verification the transaction can not be deleted. Note 2: If in any RD account, within the deposit period (1-15 or 16-last working day - which is applicable to the account) more than once, instalment is deposited and total instalment no is 6 or 12, rebate will be shown by the system.

Fig 11.9

Fig 11.10.1 [Screen Shot with Rebate]


Fig 11.10.2 [Screen Shot with Default fee]

Fig 11.10.3 [Screen Shot of RD deposit by DOP Cheque]


Fig 11.10.4 [Screen Shot of RD deposit by Non DOP Cheque]

Fig 10.4.5 [Screen Shot of RD deposit by Account Transfer]


Fig 11.11 11.5 RD instalment deposit verification -

Fig 11.12

Fig 11.13

1. Menu: CRDP – Click Go [See Fig 11.12] 2. Function : Post 3.Transaction ID: Enter Transaction ID 4. Click Go 5. Check and Submit [See Fig 11.13]


11.6 RD Installment Deposit when Account stands at BO –

Fig 11.14

Fig 11.15

1. Menu: CRDP – Click Go [See Fig 11.14] 2. Function : A-Add 3. Transaction Type: Select T/BI – Transfer Bank Induced. 4. Click Go. A new screen will come. 5. RD A/c ID: Enter RD account no. and click outside [See Fig 11.15] 6. Total Amount :Enter installment amount, more than one installment amount can be given No of installment, Transaction amount, Rebate amount and default fee if any will show. 7. Value date: Enter BO transaction date. [Be cautious about the date] 8. Mode of payment: Select Transfer radio button. 9. Account ID: Branch settlement A/c no (SOLID0339) 10. Transfer Amount : Enter transaction amount figure shown above. 11. Click Submit, Transaction ID will generate. 12. Super to verify the transaction using same menu CRDP. Function – POST.


11.7 Standing Instruction –

SI always initiates from SB Account. From one SB account funds may be transferred to another SB or an RD account or multiple RD account. It may also be transferred from one SB account to Multiple SB Account or from Multiple SB account to a Single SB account.

Standing Instructions (SI) is a facility for the account holders who want to make payments or remittances of a recurring nature, like transfer of funds, instalments for a recurring deposit or a loan account and so on.

Customers may give standing instructions to the Post Office to make payments or remittances on their behalf on a specified date.

Customers can give certain conditions, which needs to be satisfied before making these payments.

Standing instructions are automatically executed by the system based on certain criteria: Date, time on which it should occur during the given period.

A report is available in HFINRPT for generating LOT related to SI on transfers from SB accounts to RD accounts.

11.8 SB to RD SI Procedure –

1. Menu: HSSIM – Click Go [Fig 11.16] 2. Function – Select A-Add 3. Click Go/ Press F4 A new screen/window will come 4. Enter CIF ID of SB A/c ID (amount will be debited from this account) [Fig 11.17] Under execution details - Enter SI Frequency, Execution time & Next execution date 5. Select M-Monthly 6. Select execution Date from the list - 15 7. Holiday Select Previous day 8. Execution time –Select After change of date 9. Next Execution date: Enter 15th of the next execution month (start date of SI)

10. End Date: Enter the last RD installment payment date (should be 15th of the month)

11. Click Instruction details Tab/page (Debit option will be selected automatically) 12. Select CCY from Searcher as INR [Fig 11.18]

13. Enter Debit A/c ID (SB A/c No)

14. Amount type - Fixed 15. Enter Amount 16. Click Add Button 17. Select CCY from Searcher as INR

[Fig 11.19] 18. Enter Credit A/c ID (RD A/c No) 19. Select Credit option 20. Enter Amount type - Fixed 21. Enter Amount 22. Click Validate [Fig 11.20] 23. Submit. Standing Instruction No will be generated. Note it. [Fig 11.21]

Fig 11.16


Fig 11.17

Fig 11.18


Fig 11.19

Fig 11.20


Fig 11.21 11.9 SB to RD SI Verification –

1. Menu: HSSIM – Click Go 2. Function – Select V-Verify 3. Enter Standing Instruction no. Starting with IN 4. Click Go. A new screen/window will come 5. Visit Instruction details Page & Check the entries made are correct.

6. Submit

11.10 About Loan/Half Withdrawal against RD Only one loan/half withdrawal against RD account would be allowed during the tenure of the

account. For loan/half withdrawal against Recurring Deposit, amount not exceeding 50% of the

outstanding balance in the account can be sanctioned minimum after one year of A/c opening where minimum twelve deposit instalments are collected.

Loan/Half Withdrawal against RD should be in multiple of Rs. 5 and shall be repaid either in one lump sum amount or equal monthly instalments.

The number of loan/Half Withdrawal installments shall not exceed the number of months remaining for maturity of the account or the post maturity period for which account is continued

In case of repayment in one lump sum or equal monthly installments, interest shall be calculated on the amount of withdrawal for full calendar months from the month of withdrawal to the month of repayment irrespective of the date on which the amount is withdrawn or repaid. If the repayment with interest is made on or before 10th of a month, no interest shall be payable for that month.

Loan accounts can be opened for Individuals or joint holders based on the RD account mode of operations.

11.11 RD Loan Account Opening –

11.12 Verification Of Loan Account Opening –

1. Menu: CAOLARD – Click Go [Fig 11.22] 2. Enter RD A/c No and click outside. 3. CIF ID of the given RD A/c shown automatically. 4. Scheme code: Select from searcher LARD 5. Click Go. A new screen will come. [Fig 11.23] 6. Loan Amount is shown. Amount can be decreased but can not be increased. 7. Installment frequency : Select Bullet(Lump sum deposit)/Monthly 8. Submit. A message will come to check risk category. Click Ok Loan A/c no will be generated. This account no is original RD account no. suffixed by 1.

1.Menu: CAOVLARD – Click Go 2. Function : V-Verify 4. Enter RD loan A/c No. 5. Click Go. 6. Check and Submit


Fig 11.22

Fig 11.23

Fig 11.24


11.13 Disbursement of Loan –

If the office is migrated in the middle of the month (i.e. on or after 2nd of the month) “Error P39” will come at the time of verification of disbursement if the mode of payment is cash. This error will be thrown only in the month of migration and from the 2nd month cash mode can be used for repayment or disbursement. In case of Loan Disbursement or Loan Repayment, the value date will be automatically changed to 1st of the month as interest is calculated from the 1st of the month for loans. As Cash account of that office will not be available as on 1st (since the office has migrated in the middle of the month) this error is thrown.

Solution for the “error P39”: “In case of Loan disbursement – Instead of Cash (even if it is below Rs.20,000) select Account Transfer and show RD Loan Disbursement office account (SOL0323).

Now If customer want cheque (use CXFER menu : Debit Office a/c SOL0323 and credit a/c

SOL0340). If customer want cash (use CTM menu : Enter Office a/c SOL0323). If customer want transfer to SB account (use CXFER menu : Debit Office a/c SOL0323 and

credit SB A/c of customer).

Fig 11.25

Fig 11.25.1

1. Menu: LARDD – Click Go [Fig 11.25] 2. Function : DISBURSEMENT 3. Account number : Enter RD Loan A/c no and click outside. Disbursable amount will be shown. 4. Mode of Disbursement/Reversal: Select Cash/Account transfer. If Account Transfer is selected enter Credit Account no.(SB A/c no of customer) 5. Click Submit “The selected action executed successfully” message will come. On Submit, If the error comes “CMSG001058 - Value date is more than the minimum value date for the account” change the Value date as Open date and Submit again.


11.14 Disbursement of Loan Verification –

Fig 11.26 11.15 Repayment of loan/part payment of loan –

In case of repayment of loan also the “error P39” will come in case of cash mode, if the office migrated in the middle of the month (on or 2nd of the month). Avoid cash mode. Use transfer option and debit customer’s SB account for payment of loan installment. From the 2nd month (after migration to CBS) onwards cash mode can be used for loan installment payment.

Fig 11.27

1. Menu: LARDD – Click Go. [See Fig 11.26] 2. Function : VERIFY 3. Account Number: Enter RD Loan A/c no. Disbursable amount will be shown. 4. Click Submit [if any exception “Error code EC2” is thrown is shown click accept]. “The selected action executed successfully” message will come. Click OK.

1. Menu: HLAUPAY – Click Go. [Fig 11.27] 2. Payment type : Payment 3. Select Transaction type : Select Cash 4. Click Go. A new screen will come. [Fig 11.28] 5. Loan A/c ID: Enter Loan Account ID 6. Credit amount: Enter amount to be repaid 7. Click Accept. Loan calculation will be shown below. [Fig 11.29] If you want to modify the loan amount click on modify button and reenter the amount. Again click Accept. 8. Click Submit. Transaction ID will be generated. [Fig 11.30]


Fig 11.28

Fig 11.29


Fig 11.30 11.16 Repayment of loan verify –

Fig 11.31

Fig 11.32

1. Menu: HLAUPAY – Click Go [Fig 11.31] 2. Function : Verify 3. Enter Transaction ID 4. Click Go. A new screen will come. [Fig 11.32] Check the Adjusted Amt column. 5. Submit. Click Accept when message come transaction posted successfully.


Fig 11.32.1 11.17 Closer of loan account –

Step 1: Final payment of loan amount + Loan Interest or only Loan Interest payment (Remaining Loan Amount if any +Loan Interest)

There may be situation that customer wants to pay both Loan amount and loan interest when he/she is paying the last installment of loan or there may be situation that only loan interest payment is outstanding and customer wants to pay it. In both the situation the following procedure is to apply.

Fig 11.33

1.Menu: HPAYOFF – Click Go [Fig 11.33] 2. Function : Payoff loan amount 3. A/c ID: Enter Loan Account ID 4. Transaction type: Cash Receipt or Transfer customer induced. If Transfer is selected enter Customer’s SB A/c ID in Collect/Refund A/c ID 5. Click Go. A new screen will come. 6. Click Create Transaction button. Another screen will come. [Fig 11.34] 7. Click Submit.[Fig 11.35] A message will come that pay off done successfully click Accept.


Fig 11.34

Fig 11.35

Fig 11.36


Step 2: Final payment of loan amount + Interest verification

Step 3: Loan account closer

Fig 11.37

Fig 11.38

Fig 11.39

Step 4: Loan account closer Verification

1. Menu: HPAYOFF – Click Go 2. Function : Verify 3. A/c ID: Enter Loan Account ID and 4. Click Go 5. Click Create Transaction button. 6. Click Submit 7. A message will come that “pay off done successfully”. Click Accept

1. Menu: CAACLA – Click Go [Fig 11.37] 2. Function : Z-Close 3. A/c ID: Enter Loan Account ID 4. Click Go System will display the outstanding if any and throws the errors if the account balances are not zerorised. [Fig 11.38] 5. Submit. System will give a message that loan account is closed. “Closure of A/c no. Done successfully” [Fig 11.39]

1. Menu: CAACLA – Click Go 2. Function : Verify 3. A/c ID: Enter Loan Account ID 4. Submit. System will give a message that loan account is closed. “Closure of A/c no. verified successfully”


11.18 About RD Account closer – RD account closer may have different situations – only in case of normal maturity closer

where PMI also not generated (1 month not elapsed after maturity) – Trial Close is not required.

In all other cases Trial closer of RD A/c is mandatory to see the result. In case of death claim all the RD accounts stands in the name of the diseased person under

the CIF will be closed. For that death marking in CIF is mandatory. Otherwise system will not allow closing the RD accounts.

If any SI exists in the RD accounts, that must be remove also before closing. An error “Closer pending on SI for the account” will come otherwise.

If advance deposit is made in an RD account, the same can not be closed even in case of death claim.

In case RD closer in cash (below Rs. 20000/-) cash pending transaction (Menu - HCASHPND) has to be done.

While closing RD accounts, Counter PA should be very careful. According to rule RD account can be closed only after 3 years. Finacle will allow closer within LOCK IN period. It will only through an EXCEPTION. Counter PA should not accept the EXCEPTION thrown.

In case of maturity date falls on Holiday/Sunday, close the account only on NEXT day. If it is closed on previous day before Holiday/Sunday, it will be a premature closer and full interest will not be paid.

RD account can not be closed if loan is not paid with interest. Lien exists for those RD accounts which has loan. First loan has to be paid with interest, then it can be closed.

If only loan interest is also not paid only in migrated account, LIEN is imposed on RD account. If lien is placed against any RD account- “The withdrawal amount exceeds the difference between the principal and Lien amount” error may come while closing RD a/c. Inquire the LIEN amount using HACCBAL/HALM. Remove LIEN amount using HALM after collecting lien amount from customer.

If any RD account is modified but not verified, “A time stamp error occurred” will come while closing the RD account. Verify the account with CRDACM menu then close.

11.19 RD Closer – Normal Matured Account

1. Menu: CRDCAAC – Click Go [Fig 11.40] 2. Function : Z-Close/T-Trial Close 3. A/c ID : Enter RD A/c no. 4. Click Go. New window opens. 5. Click Close Check box. [Fig 11.41] 6. Repayment mode: Select cash/Transfer 7. Select Closer Reason Code from searcher [In case of Normal Closer : Select NORML option ] 8. Repayment A/c ID: If Transfer is selected enter Customer’s SB A/c ID or Postmaster’s Cheque A/c ID (if customer wants cheque) 9. Click Submit In case of trial closer result of Closer will be shown. HPR menu may be used to

take report. In case of Actual closer account will be closed. In case of Z-Close (Actual closer)this has to be verified by Super with the same menu CRDCAAC


Fig 11.40

Fig 11.41

Fig 11.42


11.20 RD Death Claim Closer –

1. Menu: CRDCAAC – Click Go [Fig 11.43] 2. Function : Z-Close/T-Trial Close 3. Select death claim radio button “Yes” 4. Enter CIF ID and click outside. Date of death will come automatically (For that use CMRC menu to death mark the CIF first). 5. Click Go. One message will come “Account is eligible for PSS claim. Do you want to proceeed” 6. Click Ok to continue. A new window open with all the RD accounts linked to the CIF 7. Select the first record showing RD account No. [Fig 11.44] 8. Click Close Check box 9. Repayment mode: Select Transfer only [as it is death claim] 10. Repayment A/c ID: If Transfer is selected enter Customer’s SB A/c ID or Postmaster’s Cheque A/c ID (if customer wants cheque) 11. Select closer reason code from searcher as DTCLM (Death closer). 12. Click Submit. Result will be shown. [Fig 11.45] This has to be verified by Super with the same menu CRDCAAC

Fig 11.43


Fig 11.44

Fig 11.45


11.21 Branch office RD Closer -

1. On receipt of SB7A and Passbook from BO, PA should first invoke Trial Closure for issue of closing sanction. Same procedure should be followed as being followed for Trial Closure of RD Accounts standing at SO/HO in Finacle.

2. Enter closing amount in SB7A and after following laid down process of sanction of BO W/D, Passbook and SB7A should be sent to BO with the direction that sanction is valid only up to last working day of the month.

3. If customer does not attend BO up to that date, a fresh sanction is to be obtained by BO for which fresh Trail closure should be invoked.

4. Once paid SB7A signed by customer duly entered in BO daily Account is received at Account office, following process to be followed by counter PA:-

1. Menu: CRDCAAC – Click Go 2. Function : Z-Close/T-Trial Close Trial Close and Close procedures are same – T-Trial close has to be done before sending closing sanction. Z-Close has to be done at Account office (SO), after closer at BO. Same procedure to be followed in case of RD closer at HO/SO (Normal/Premature/Death claim) except the following. 3. Repayment mode: Select Transfer only 4. Repayment A/c ID: Enter Branch Settlement office account SOLID0339 This has to be verified by Super with the same menu CRDCAAC Transaction will appear in LOT and consolidation.

11.22 Deleting SI linked to RD-

1. Menu : HSSIM – Click Go [Fig 11.46] 2. Function – D-Delete 3. Click on the searcher of Standing Instruction Srl. No box if SI srl. no not known. 4. Enter RD account number in A/c ID 5. Enter CIF ID. 6. Click Submit 7. Standing instruction number will be shown. Click it to select. 8. Click Go 9. Details of the SI will show. Visit the Instruction details TAB also and Submit. 10. Verify the deletion with Super. Same menu HSSIM. Function - verify.

Fig 11.46


Fig 11.47

Fig 11.48

Fig 11.49

Fig 11.50

Fig 11.51


11.23 Linking and Delinking RD agent from an account-

11.23.1 Linking agent -

1. Menu: CRDACM- Click Go [Fig 11.52] 2. Function - Modify 3. Enter RD A/c ID, Click Go 4. Select Agent/Employee Code: Direct Sales Agent. 5. Click the Sourcing Dealer ID searcher and select from the list or directly type the Agent ID here. 6. Submit 7. Verify the modification with super – Same menu CRDACM. Function- verify

Fig 11.52 11.23.1 De-Linking agent - 1. Menu: CRDACM- Click Go [Fig 11.53] 2. Function - Modify 3. Enter RD A/c ID, Click Go 4. Select Agent/Employee Code: None option. 5. Submit 6. Verify the modification with super – Same menu CRDACM. Function- verify

Fig 11.53


11.24 Different situations in RD Account closer –

A. Matured RD Closer

I. No loan exists with the account/Loan is already paid fully with interest. Procedure: CRDCAAC – RD Account closer menu only to be used.

II. Loan (Principal+Interest) is not fully paid. Procedure:

a) Use menu HPAYOFF to pay outstanding loan principal and loan interest and verify with the same menu.

b) Use menu CAACLA to close the loan account and verify. c) Use menu CRDCAAC to close the RD account and verify.

III. Loan principal is paid but Loan interest is not paid.

a. Before migration period loan interest was due to be paid RD Loan account will not be created if the RD Loan Principal is fully paid. For RD Loan interest, LIEN will be marked for the corresponding RD account. Before closure, LIEN amount should be collected from the customer and LIEN to be removed by invoking the menu HALM. After that close the RD account using menu CRDCAAC.

b. After migration to CBS, loan taken, principal paid but loan interest is outstanding.

i. Use menu HPAYOFF to pay outstanding loan interest and verify with the same menu.

ii. Use menu CAACLA to close the loan account and verify. iii. Use menu CRDCAAC to close the RD account and verify.

B. Premature RD closer (After 3 years)

I. Loan is outstanding

Use CRDCAAC menu to close. No need to repay the loan principal and interest using HPAYOFF. System will automatically deduct the RD Loan amount and interest will be calculated on SB Rate of interest as per rule. Loan interest will not be calculated. RD Loan account balance will become 0 but will not be closed. Loan account with Zero balance should be remained as it is and not closed.

II. Loan is not outstanding

Use CRDCAAC menu to close.

C. RD Death closer

I. Loan is outstanding

Death marking in CIF using Menu CMRC. Use CRDCAAC menu to close.

II. Loan is not outstanding

Death marking in CIF using Menu CMRC. Use CRDCAAC menu to close.


11.25 Posting of Reference no. generated in Agent Portal (RD bulk posting) -

For bulk acceptance of RD deposits from MPKBY Agents/PRSS Leaders, an Agent Portal has been developed which can be accessed through www.Indiapost.gov.in website.

Any RD account during opening or after opening can be attached with any MPKBY Agent/PRSS Leaders. Once account is attached to the agent, deposit cannot be accepted at the counter in that account unless depositor gives in writing to cancel the attachment with agent.

During migration, all accounts already attached with a particular agent in Sanchay Post will be attached with the same agent in Finacle CBS application.

All MPKBY agents will be issued Login ID and Password to operate Agent Portal. When agent logs in to Agent Portal, all live RD accounts attached with the agent will be visible

to the agent. System will generate one Reference number against each List prepared in the Agent portal.

When agent comes to the post office with printed List(s) with either cash/POSB Cheque/other Bank Cheques having Reference numbers against each list, Counter PA will enter the Reference number printed on the List and will be able to see the List(s) presented.

Agent commission will be automatically credited into Agent’s savings account after deducting the TDS on posting of such reference.

1. Menu : HAGTXP– Click Go [ Fig 11.54] 2. Function : M-Modify 3. Enter Agent ID 4. E banking Ref no.: Enter Ref no. from agent’s report or select from the searcher. 5. Click Go. New window will come. [Fig 11.55]. RD installment amount, Default Fee and Rebate if any, will show at the bottom. 6. Click Post button 7. Super to verify with the same menu. Function - Verify, enter Agent id and Ref no. If there is any problem in the schedule it will not show in the counter Posting but it will show when Super will verify. If the whole schedule has error it will reject. If some of the records have error then it will post only the correct records. Rest of the record will not show while verify by super. Round the rejected record in the agent schedule and return the cash. Ask the agent to bring fresh schedule or corrected schedule again. 8. See the report through HPR menu. In HPR select the report “Agent Portal Transaction Status report”. Print the report. Tally with Agents Schedule.

Fig 11.54

http://www.Indiapost.gov.in


Fig 11.55 Note : After Posting and verification, agent commission will be credited to the SB account of the Agent. Counter PA has to check Agents SB a/c for confirmation whether correct agents commission is credited.

11.26 RD Bulk Posting by DOP and Non dop cheque –

11.26.1 Posting by DOP Cheque –

Agent While preparing the schedule will select payment mode as DOP Cheque. Cheque details has to be provided also. At the time posting by HAGTXP every details will be shown. Post.

11.26.2 Posting by Non-DOP Cheque –

Agent While preparing the schedule will select payment mode as Non-DOP Cheque. Cheque details and bank name has to be provided also. After clearing of the cheque office account SOLID0017 has to be checked to see whether amount credited properly before proceed to posting. At the time posting by HAGTXP every details will be shown. Post. 11.27 RD Extension-

RD Account can be extended for further period of 5 years. If there are pending installments, extension is not possible. Pending installment can be checked using menu HPLIST.

1. Menu- PRDCM –Click Go [Fig 11.56] 2. Function : Continue 3. A/c ID: Enter Account No Of RD. Scheme will come automatically. 4. Click Go New window opens. [Fig 11.57] 5. Continuation deposit tenure : Enter 60 6. Click Generate 7. Click Submit 8. Verify the extension with the same menu PRDCM by Super. Function - Verify


Fig 11.56

Fig 11.57 11.28 Maturity Date Deferment in RD account –

Customer has the liberty to have maximum of 4 defaults on the day of maturity. Maturity date can be deferred equivalent to the number of defaults using the menu PMDDRD (Maturity Date Deferment for Recurring Deposit). During the deferred period, defaults deposits can be paid without default fee. Verify it with super with the same menu.

Fig 11.58

11.29 View Pending Installment in RD - To view pending installment of RD account HPLIST menu is used. 1. Menu : HPLIST- Click Go 2. From A/c ID & To A/c ID : In both field enter same RD Account No. 3. Enter Start Date & End date 4. Click Go. List will show On the right side there is some codes written against the entry these are “N”, “D”, “A”, “P” N => Normal, D=> Default, A=> Advance, P=> Pending

11.30 PRSS Bulk List Posting –

Bulk List Creation option available in Agent Portal can be used by PRSS agents to generate bulk list Menu for posting Bulk PRSS is CPAGTXP.


SECTION -12 PUBLIC PROVIDENT FUND (PPF)

12.1 About Public Provident Fund Account (PPF) Investment option for both salaried as well as self employed classes. Non-Resident Indians (NRIs) are not eligible. The PPF account can be opened in a Post Office which is Double handed and above. An individual can open account with INR 100/- but has to deposit minimum of INR 500/- in

a financial year and maximum INR 1,50,000/- Joint account cannot be opened. Account can be opened by cash/cheque and In case of cheque, the date of realization of

cheque in Govt. account shall be date of opening of account. The subscriber can open another account in the name of minors but subject to maximum

investment limit by adding balance in all accounts. With effect from August, 2014 a minimum of Rs.500.00 subject to a maximum of Rs.1.50

lakh per annum may be deposited. The subscriber should not deposit more than Rs.1.50 lakh per annum as the excess amount will neither earn any interest nor will be eligible for rebate under Income Tax Act. The amount can be deposited in lump sum or in a maximum of 12 installments per year.

From 01.04.2016 interest rates is 8.10% per annum. Loan facility available from 3rd financial year up to 5th financial year. The rate of interest

charged on loan taken by the subscriber of a PPF account on or after 01.12.2011 shall be 2% p.a. However, the rate of interest of 1% p.a. shall continue to be charged on the loans already taken or taken up to 30.11.2011.

Withdrawal permitted in every year from 7th financial year from the year of opening account. Free from court attachment.

DURATION OF SCHEME - Original duration of the scheme is 15 years. Thereafter, on application by the subscriber, it can be extended for 1 or more blocks of 5 years each within one year of maturity.

Maturity value can be retained without extension and without further deposits also. Premature closure is not allowed before 15 years. Deposits qualify for deduction from income under Sec. 80C of IT Act. Interest is completely tax-free. An individual cannot invest on behalf of HUF (Hindu Undivided Family) or Association of

persons. Nomination facility is available in the name of one or more persons. The shares of

nominees may also be defined by the subscriber. The account can be transferred to other branches/ other banks or Post Offices and vice

versa upon request by the subscriber. The service is free of charges.


12.2 PPF Account Opening – PPF Account will be opened without funding.

Fig 12.1

Fig 12.2

1. Menu: CPPFAO – Click Go [Fig 12.1] 2. Enter CIF ID 3. Scheme code: Enter or Select PPF 4. Click Go.

5. A message will come “Please check the Risk Category of the customer for KYC purpose” Click OK. A new window will come. [Fig 12.2]

All the data of the customers as per the CIF id will get populated 5. Select The mode of operation – Use searcher to select 012 only (PFF is a single account) Withdrawal start date will be shown Maturity date will be shown 6. Accounts Documents Received : Yes 7. Number of documents received – Enter 1 ( as only

PPF AOF has been submitted by customer) 8. Select document code from Searcher(016) 9. Enter Document Date (Press Ctrl+X for current date) 10. Scan Details : Select Scan not required 11. Documents Status: Sent To CPC 12. Select Nomination “Yes”. Note on AOF. [Fig 12.3] 13. Enter CIF ID of nominee if available. 14. Select relationship from searcher 15. Select country as IN/INDIA 16. Enter Nominee Pct. (100 in case of single nominee) In case of more than one nominee enter percentage as declared by customer. [Nominee Pct. => Nominee Percentage] 14. Submit , PPF A/c ID will be generated, Note down the No. on AOF [Fig 12.4]


Fig 12.3

Fig 12.4

12.3 PPF Account Opening Verification –

12.4 Funding of PPF/Repayment –

1. Menu: CPPFAV – Click Go 2. Function - Verify 3. Account ID : Enter PPF A/c No 4. Click Go 5. Check and Submit

1. Menu: CPDTM – Click Go [[Fig 12.5 & 12.6] 2. Function : A-Add 3. Transaction Type: If Transaction is by Cash Select Cash Normal receipt. If Transaction is by SB A/c transfer or by cheque Select Customer Transfer. 4. Type: Select Normal Contribution 5. Click Go. A new window will come. [Fig 12.7] 6. Account No. (Cr.): Enter PPF account no. and click outside. 7. Account No. (Dr.): Enter SB A/c ID (in case of transfer from SB a/c) or enter Office account SOL0017 in case of deposit by cheque subject to realization of the cheque. [See *Note below] [Account No.(Dr.) will be disabled if Cash Normal receipt is selected] 8. Ref CCY/ Amount: Enter amount. 9. Value date: In case of deposit by cheque, enter

cheque realization date here. 10. Click Submit, Transaction ID will generate. Note it on the voucher. [Fig 12.8]


*Note: After realization of cheque, office account SOL0017 to be checked by the HACLINQ menu to see cheque amount credited properly. Only after realization of the cheque, PPF account can be funded.

Fig 12.5

Fig 12.6

Fig 12.7


Fig 12.8

12.5 Verification of PPF Funding/repayment –

Fig 12.9

Fig 12.10

Fig 12.11

1. Menu: CPDTM – Click Go [Fig 12.9] 2. Function - Verify 3. Enter Transaction ID: 4. Click Go 5. Check and Submit [Fig 12.10 & 12.11]


12.6 Part withdrawal from PPF account – Applicable from 7th Financial Year. For example if an account is opened on 26-12-2013. 1st withdrawal is permissible from 01-04-2019.

26-12-2013 to 31-03-2014 - 1st Fnancial year 01-04-2014 to 31-03-2015 – 2nd Financial year 01-04-2015 to 31-03-2016 – 3rd Fnancial year 01-04-2016 to 31-03-2017 - 4th Fnancial year 01-04-2017 to 31-03-2018 - 5th Fnancial year 01-04-2018 to 31-03-2019 - 6th Fnancial year 01-04-2019 to 31-03-2020 - 7th Fnancial year

Fig 12.12

Fig 12.13

12.7 Part withdrawal from PPF Account - Verification –

1. Menu: CPWTM – Click Go [Fig 12.12] 2. Function : A-Add 3. Tran Type/Sub Type: Select Cash Normal Payment in case of cash payment. Select Customer Transfer in case of SB A/c transfer. 4. Type: Select Normal Withdrawal 5. Click Go. A new window comes. [Fig 12.13] 6. Account No. (Dr.): Enter PPF account no. and click outside. 7. Account Number (Cr.): Enter SB A/c No [in case of transfer the amount to SB A/c]. 8. Ref CCY/ Amount : Enter amount. 9. Click Submit, Transaction ID will generate. Note on the voucher.

1. Menu: CPWTM – Click Go 2. Function - Verify 3. Enter Transaction ID: 4. Click Go. New screen will come with details of transaction. 5. Check and click Submit


12.8 About Loan against PPF –

A Subscriber of PPF Account shall not be entitled to get a fresh loan till the earlier loan is fully repaid along with interest. Loan can be granted only when the PPF account is between 3rd financial year and 5th financial year from the PPF account open date. For example: PPF A/c date:30thJune2012. Loan can be granted starting 1st Apr, 2014 till 31st March 2018.

Loan accounts can be opened only for Individuals, joint holders not allowed. After the principal of the loan is fully repaid, interest to be paid, in not more than two monthly

installments. For loan against PPF, amount not exceeding 25% of the balance amount that stood to his

credit at the end of the second year immediately preceding the year in which the loan is applied for.

Interest is charged at the rate of 2% if repaid within 36 months and at 6% on the outstanding loan after 36 months.

12.9 PPF Loan Account Opening –

Fig 12.14

1. Menu: CLPPFAO – Click Go. [Fig 12.14] Function –Open(default) 2. Enter the CIF ID 3. Enter PPF Account No. Scheme code: LNPPF (by default come) 4. Click Go. A new window will come [Fig 12.15] 5. Select opening mode as Normal/Transfer in 6. Disbursement type : Cash/Transfer. If transfer is selected enter Disb credit acct – SB A/c of customer. 7. Sanction Limit: Enter sanctioned Loan amount. 8. Click Submit. 9. PPF Loan a/c ID will be generated. It will be PPF A/c no. suffixed by 1.


Fig 12.15 12.10 PPF Loan Account Opening Verification –

12.11 PPF loan Disbursement –

1.Menu: CLPPFAOV – Click Go 2. Function : V-Verify 3. Enter PPF Loan A/c ID- Click Go 4. Check and Submit.

1. Menu: CPWTM – Click Go [Fig 12.16] 2. Function : A-Add 3. Tran Type/Sub Type: Select Cash Normal Payment in case of cash payment. Select Customer Transfer for transferring the amount to SB Account of customer. 4.Type: Select Loan Disbursement 5. Click Go A new window comes. [Fig 12.17] 6. Account No. (Dr.): Enter PPF account no. and click

outside. 7. Account Number (Cr.): Enter SB A/c No of customer to transfer the amount if customer transfer is selected earlier. 8. Ref CCY/ Amount : Enter amount. 9. Click Submit, Transaction ID will generate. Note on the voucher.


Fig 12.16

Fig 12.17 12.12 PPF loan Disbursement Verification –

12.13 Repayment of loan/interest –

1. Menu : CPDTM -Click Go [Fig 12.18] 2. Function –ADD. 3. Type : Loan Principal Repayment/ Loan Interest Repayment (as the case may be)

4. Tran Type/Sub type: Select Cash Receipt/ Customer transfer.

5. Click Go. New window comes. [Fig 12.19] 6. A/c ID (Cr.): Loan account ID of PPF 7. A/c ID(Dr.): SB a/c of customer (if customer transfer selected as Tran type)

8. Ref/CCY Amount: Enter amount.

9. Click Submit. Note Tran ID.

12.14 Repayment of loan/interest Verification –

1. Menu : CPDTM 2. Function – Verify. 3.Tran ID: Enter Tran ID 4. Click Go 5. In the next screen Click Submit.

1.Menu: CPWTM – Click Go 2. Function : A-Add 3. Tran ID: Enter Tran ID 4. Click Go. 5. In the next screen check and Submit.


Fig 12.18

Fig 12.19 12.15 Closer of PPF account –

There is no need to make the balance as zero before closure in PPF accounts.

12.15.1 PPF Closure (without loan) –

On invoking the HCAAC menu Interest for current financial year will be calculated and posted in the PPF account.

1.Menu : HCAAC– Click Go [Fig 12.20] 2. Function : Z-Close 3. Account ID : Enter PPF A/c No 4. Balance : Check Transfer box if balance is there or Uncheck Transfer box if balance is zero. 5. Transaction type : Select cash or transfer if balance transfer box is checked. 6. Transfer A/c ID: SB A/c or Postmasters cheque account if transfer selected in transaction type 7. Click Go. New window opens [Fig 12.21] 8. In the next screen Click on Closer TAB. 9. Enter or Select Reason code from searcher (NORML or DTCLM as case may be) [Fig 12.22] 10. Click Submit, A system generated Transaction ID starting with “S” may be shown. Note Tran ID. In Counter PA login, in HTM – Modify function, this Tran ID is to be posted. In Supervisor login, in HTM, this System generated Tran ID starting with “S” is to be verified. After verification of the transaction ID, using HCAAC menu, the closure has to be verified by Super. If the Tran ID is not noted it can be found by using HFTI menu.


Fig 12.20

Fig 12.21

Fig 12.22


12.15.2 PPF Closure (with loan) – 1. Counter PA has to invoke CPDTM menu and Loan Principal Repayment has to be done.

2. Supervisor has to verify the transaction in CPDTM menu.

3. CLPR menu has to be invoked by Supervisor for processing loan account.

a) Function: Process b) A/c No: Enter PPF Loan Account ID c) Click Go d) Click Submit.

4. Then, HACINT is to be invoked by CEPT team (at present). On invoking this, the interest for loan account is calculated and posted in PPF loan account.

5. If the PPF account is not a matured account. The loan interest has to be paid through CPDTM menu again.

6. If the PPF account is a matured account. The loan interest has to be recovered through CPWTM menu.

7. Closure of loan account has to be invoked using HCAAC by counter PA.

8. Closure has to be verified by Supervisor using HCAAC menu.

9. For closing PPF account, the procedure for closure of PPF account without loan has to be followed.

12.16 Verification of Closer of PPF account –

1.Menu : HCAAC– Click Go 2. Function : V-Verify 3. Account ID : Enter PPF A/c No 4. Submit 5. Visit Closer Tab 6. Submit

12.17 Extension of PPF –

PPF Account can be extended when the account is completed the 15 financial years from the date of opening.

PPF account can be extended for 5 years.

1. Menu : HCEXTN - Click Go [Fig 12.23] 2. Function : E-Extend 3. Enter Account number of PPF and Click outside. Maturity date and depositor’s name, will be shown.

4. Click Submit

5. Verify the extension with Super – Same Menu HCEXTN, Function – Verify.

Fig 12.23


SECTION -13 SUKANYA SAMRIDDHI ACCOUNT (SSA)

13.1 About Sukanya Samriddhi Account –

Information as per SB Order 03/2016

Rate of interest 8.6% Per Annum (w.e.f 01-04-2016). Minimum INR. 1000/- and Maximum INR. 1,50,000/- in a financial year. Subsequent deposit

in multiple of INR 100/-. Deposits can be made in lump-sum. No limit on number of deposits either in a month or in a Financial year.

A legal Guardian/Natural Guardian can open account in the name of Girl Child. A guardian can open only one account in the name of one girl child and maximum two

accounts in the name of two different Girl children. Nomination facility is not available in this account. Account can be opened up to age of 10 years only from the date of birth. If minimum Rs 1000/- is not deposited in a financial year, account will become discontinued

and can be revived with a penalty of Rs 50/- per year with minimum amount required for deposit for that year.

Deposit in an account may be made till the completion of 15 years, from the date of opening of the account only. For example if a/c is opened on 13.05.2014, deposit can be made up to 12.05.2029 only.

Partial withdrawal, maximum up to 50% of balance standing at the end of the preceding financial year can be taken after Account holder’s attaining age of 18 years or passing 10th standard whichever is earlier. Only one withdrawal can be made in a financial year subject to maximum 5 withdrawals.

The Account shall mature on completion of 21 years from the date of opening of the account. Account can be closed after completion of 21 years.

If the account is not closed after maturity, balance will not continue to earn interest. Normal Premature closer will be allowed after completion of 18 years /provided that girl is

married. In case of premature closer due to death of the account holder (Girl child), account shall be

closed. The guardian will be paid the balance with interest up to death of date only. 13.2 SSA Account Opening in Finacle –

1. If Guardian is not having CIF in Finacle, a new CIF has to be created for the guardian. 2. For opening of account in the name of Minor, a new CIF (if not already exists) in the name

of girl child has to be opened. User has to be sure that Birth Certificate of minor is given and date of birth of minor should not be earlier than 2.12.2003 as system will not validate this date.

3. For opening of account use Menu – CPPFAO 4. CIF ID of minor is to be entered in CIF ID field. 5. In Scheme Code field SSA has to be entered. This is mandatory and needs to be done very

carefully. The procedure is same as PPF account opening. 6. After opening of account, account number has to be noted down on the Pay-in -Slip and

Supervisor will use same menu CPPFAO (Verify option) and enter the account number as written on the Pay-In-Slip. Do not search account number from searcher.


Fig 13.1 13.3 First Deposit & Subsequent Deposit made in SSA Account in Finacle –

1. After verification, Account will be ready for funding. User will use CPDTM for entering first deposit. Please ensure that first deposit should not be less than Rs.1000/- and if amount tendered is more than Rs.1000/- it should be in multiple of Rs.100/- as system will not validate this amount.

2. Supervisor should verify in CPDTM and ensure that amount entered in not less than Rs.1000/-.

3. If First Page of Passbook is not getting printed by the Finacle, it can be prepared manually but transaction page will be get printed from Finacle.

4. At the close of the counter hours, List Of Transactions has to be prepared using menu HACSP menu. Print from HPR.

5. Total Deposit in SSA should be entered in SB Cash which will be uploaded in Cash Book. 6. A register of account opened under SSA is to be maintained in manuscript showing

Sl.No.(in continuation), Date of opening, Account Number, amount of deposit. 7. Subsequent deposit can also be accepted through CPDTM by following same procedure as

mentioned for funding of account. 8. While doing subsequent deposit, User and Supervisor has to ensure that subsequent

deposit should be in multiple of Rs.100/- and total deposits in the account should not exceed Rs.1,50,000/- in a Financial Year as system will not validate these rules.

9. No withdrawals allowed in this account. Therefore, user and supervisor should not allow any withdrawal. Withdrawals from this account is subject to certain criteria.

10. AOF and KYC documents with birth certificate should be preserved in separate guard file and should not be sent to CPC till further orders.

11. In case of Branch office transaction CPDTM menu has to be used to do SSA transaction. Tran type/Sub type will be Bank Transfer and Type Normal Contribution. In the next screen, Dr. A/c ID will be Branch Settlement A/c of the SOL(SOL0339) and Cr. Account ID will be the SSA Account ID. Value date will be the date of transaction at Branch Office. Verification of this deposit will be done by HTM.


SECTION -14 NSC & KVP

14.1.1 About National Saving Certificate (NSC) Pre-printed certificates is discontinued from 01-07-2016. Scheme specially designed for Government employees, Businessmen and other salaried

classes who are Income Tax assesses. No maximum limit for investment. No Tax deduction at source. Certificates can be kept as collateral security to get loan from banks. The issuing Post

Office will Freeze the account. There is a provision to mark freeze on such Certificate account in Finacle. The possession of NSCs will be with the advancing bank.

Investment up to INR 1,00,000/- per annum qualifies for IT Rebate under section 80C of Income Tax Act.

Trust and HUF cannot invest. Rate of interest 8.10%. Minimum investment amount for NSC is Rs. 100/- and multiple of Rs 100/- (01-07-16). Maturity value of a certificate of INR.100/- purchased on or after 1.4.2016 shall be INR.

147.61 after 5 years. A single holder type certificate can be purchased by, an adult for himself or on behalf of a

minor or by a minor. The interest accruing annually but deemed to be reinvested under Section 80C of IT Act. In case of NSC VIII and IX issue, transfer of certificates from one person to another can be

done only once from date of issue to date of maturity. At the time of transfer of Certificates from one person to another, old certificates will not

be discharged. Name of old holder shall be rounded and name of new holder shall be written on the old certificate and on the purchase application(in case of non CBS Post offices) under dated signatures of the authorized Postmaster along with his designation stamp and date stamp of Post office.

14.1.2 About Kisan Vikas Patra (KVP) – Amount Invested doubles in 110 months (9 years & 2 months) Minimum deposit Rs 1000/- and multiple of Rs 1000/- and no maximum limit. Account can be opened by an adult for himself or on behalf of a minor or by two adults. KVP account can be opened from any Departmental Post office. Facility of nomination is available. Certificate can be transferred from one person to another and from one post office to

another. Certificate can be encashed after 2 & ½ years from the date of issue.

14.2 NSC/KVP Account Opening –

While opening NSC/KVP account the transactions will be in Entered stage and agent commission will be in Posted stage. If any mistake done regarding agent contact CPC. Do not try to rectify it yourself.

Before doing NSC/KVP transactions ensure that a. If mode of payment is Transfer from SB Account, Check Required Fund is available in

the SB account using the Menu HACLI/HACCBAL. b. If mode of payment is Non DOP Cheque, Check the Cheque is realized and Office

Account SOL0382 is credited properly using the Menu HACLINQ.


Fig 14.1

1. Menu: CMISAOP – Click Go [Fig 14.1] 2. Enter the CIF ID 3. Select Product Group KVN/NSC8 4. Click the Searcher against Scheme Code field. 5. Select the Scheme code (KVP16/NSC16) from Searcher List as applicable. 6. Click Go. A new window with all the data of the customers as per the CIF id will get populated 7. Select The Mode of operation – Use searcher to select 012/016/017 etc. [Fig 10.2] * If the account is opened by cheque, enter the cheque encashment date in the Value date field. 8. Enter Deposit Amount. Amount will be as per rule. Maturity date will be shown 9. If any Agent attached, Click Agent option. 10. Click Agent ID Searcher. Enter few characters in DSA name field and Submit. Agent ID List will come. Select the Agent ID. 11. Nomination : Same as explained in case of SB Account opening in Section 8.2 12. Enter Party details 2,3 etc If the mode of operation is 016/017(joint account). Same as explained in case of SB Account opening in Section 8.2 13. Transaction Required – Select Yes Radio button. 14. Transaction type : Select Cash or Transfer option. In case of fund transfer from SB A/c, Select Transfer & enter Debit A/c ID as SB A/c ID of customer. In case of A/c open by Non DOP Cheque, Select Transfer & enter Debit A/c ID as SOL0382 office account here. [check the credit amount in this office account before opening the account]. In case of A/c open by DOP cheque, Select Transfer & Enter SB Account no. of the cheque, enter Cheque number in Instrument alpha/Sl no. and cheque date in Instrument date field. 15. Documents Received : Yes 16. Number of documents received – Enter 1 ( as only AOF has

been submitted by customer) 17. Select document code as 016 from Searcher

18. Enter Document Date (Press Ctrl+X for current date)

19. Scan Details : Select Scan not required 20. Documents Status: Document Submitted/Sent to CPC

21. Click Submit. A message will come “Please check the Risk Category of the customer for KYC purpose” 22. Click OK. Flow page will be shown. 23. See the details and Click Submit. KVP/NSC A/c ID & Txn ID will be generated, Note down the Numbers on AOF.


Fig 14.2 14.7 About NSC/KVP Account closing –

NSC/KVP may be closed in bulk or it may be closed individually one certificate at a time. In case of bulk closer there are certain criteria.

Trail closer is done in case of Premature and matured certificate or in case of death claim. No separate Trial closer function available. TD/MIS closer menu HCAACTD may be used to

trail close a certificate. But Trial closer of each certificate has to be done individually.

14.8 NSC/KVP Account closing [Bulk] – To discharge all certificates issued under one registration no. on the same day. Only matured certificate can be discharged. Premature closer is not possible. Death claim is also not possible using this menu. 50 certificates can be discharged at a time under one registration. If there are more than

50 certificates under one Registration, this menu has to be run more than one time. Mode of payment is only transfer. Cash payment is not possible by bulk closure option.

Customer must have a SB account to transfer the maturity value. If the customer doesn’t have an SB account, matured value has to be transfer to Post Masters Cheque account (SOL0340) to issue cheque.

Before proceeding, CIF ID of the Certificates are to be noted from the Sanchaya post – Finacle mapping pdf file or using CNAC menu (if the certificates were issued before migration).

Check thoroughly all the certificates under the registration number are presented by the customer.

Bulk closer should not be used, when the link is poor. It may fail or certificates may be partially closed. That is some of the certificates under the registration number is not closed.

1. Menu: CNSBCV-Click Go [Fig 14.14] 2.Function : Z-Close 3. Select Product type NSC/KVP 4. Enter CIF ID 5. Click the searcher next to Registration No. and select the Reg no. from list. 6. Enter the customer’s SB A/c no. or Postmaster cheque account no.(SOL0340) as the case may be.

7. Submit


7. Menu HPR has to be invoked to see NSC/KVP bulk closer Success or failure report (after few minutes). [Fig 14.15 & 14.16] Supervisor to verify the same using same menu CNSBCV. [Fig 14.17]

Fig 14.14

Fig 14.15


Fig 14.16

Fig 14.17 Note: While doing the bulk closer if some certificate under the registration is not closed – use individual closer Menu CSCCAAC to close those certificates and verify them using the same menu.

14.9 NSC/KVP Account Closing [Individually-one at a time] –

1. Menu: CSCCAAC – Click Go [Fig 14.18] 2. Function : Z-Close 3. Product Type: Select NSC/KVP 4. Enter CIF ID of the NSC/KVP to be discharged. 5. Click on Searcher button near Registration no. All the Registration numbers, Account ID, SOL ID, Certificate number of the certificates under the CIF will show. 6. Click the Registration number against the Certificate No. to be closed. 7. In case of Death claim change the Closer Value date to Date of Death. 8. Click Go. A new window comes. [Fig 14.19] 9. Click Close Check Box. 10. Repayment mode: Select Cash or Transfer 11. If Transfer is selected enter Repayment A/c ID as SB A/c of Customer if customer wants to transfer maturity value to his/her SB Account. If customer wants cheque, enter Repayment A/c ID as Post Masters Cheque Account (SOL0340) and issue cheque. 12. Enter Closer reason code or Select From

(In case of Maturity: Select Normal Closer - NORML) (In case of Death: Select Death claim – DTCLM)


searcher. (In case of forfeiture : Select FORFT) etc. 13. Click Submit. 14. A message will come “Please confirm this is a actual closer and not a trial closer” Click Yes to complete the transaction. [Fig 14.20]

Fig 14.18

Fig 14.19


Fig 14.20

Fig 14.21 14.10 NSC/KVP Account Closing Verification [Individually-one at a time] –

1. Menu: CSCCAAC – Click Go [Fig 14.22] 2. Function : V-Verify 3. Enter CIF ID of the closed certificate. 4. Click on the searcher next to Registration Number and select the record by clicking on the registration number. 5. Click Go 6. Click Close Check Box. [Fig 14.23] 7. Click Submit [Fig 14.24] A message will come “Please confirm this is a actual closer and not a trial closer” 8. Click Yes

Fig 14.22


Fig 14.23

Fig 14.24 Cash payment (below rs. 20,000/-) of NSC/KVP involves two more steps –

1. Payment by PA

1.Menu: HCASHPND – Click Go 2. Function – Process 3. A/c ID: Enter NSC/KVP A/c No. 4.Click Go A new screen will come 5. Click on Srl No. 00001/00002 etc. ( which is applicable to this transaction)

6. Click Post, an exception may come. Click on Accept. Transaction ID to be noted

2.Verification By SUPER

1.Menu: HTM – Click Go 2. Function – Verify 3. Enter Transaction ID – Click Go 4. Check and Submit

14.11 Duplicate Certificate Print-

Menu for duplicate certificate is only available for Postmaster of HPO. Duplicate certificate printing can be done by Postmaster by taking proper certificate stock. Before printing duplicate certificate correctness of the certificate allotment can be checked using CSCAM menu and by selecting Inquire function.

Certificate holder can apply for issue of duplicate certificates only at the CBS post office from where, certificates were issued. Process of issue of duplicate certificates should be started and completed by that CBS Post Office only.


Procedure – 1. Move the inventory of Duplicate Certificates (if available) of same scheme to the Postmaster of HO’s User id from which duplicate certificate is getting printed (From ZZ/EXT to DL/DL and from DL/DL to Postmasters ID). Otherwise, fresh certificates will be taken from the existing inventory. 2. Use the menu HDUDRP and provide details like account number /cif id for which certificate is getting printed. 3. HDUDRP will take the current inventory i.e either normal or duplicate certificates which is available with the user. 4. If certificates are actually printed through printer, the user is able to see the word “DUPLICATE” on the certificates. If certificates are not printed then a Rubber Stamp of “Duplicate” should be placed on the certificates where normal certificates are used. 5. After this, new certificate number will be available under the account number. Use CSCAM menu and Function-Inquire to confirm that new certificate numbers are replaced with lost certificates. 6. If the any holder/customer come with old certificates, while closure, system will not those certificates in the closure menu. 7. Old certificate number will not be reflected in the system and user can’t be able to close the account.

1. Menu: HDRP – Click Go. [Fig 14.25] 2. Enter Scheme code or select from searcher. 3. Enter CIF of the certificate 4. Enter From A/c ID and To A/c ID. In case of single A/c both From and To A/c ID are same. 5. Click Go. A new window comes. [Fig 14.26] 6. All the entries for a particular scheme will be selected and will be shown. Click Accept. 7. First entry will show certificate no. taking from duplicate stock. Click Submit [Fig 14.27] A new window comes. [Fig 4.28] 8. & 9. Click Print The word “Duplicate” can be seen. 10. Click Proceed. [Fig 14.29] 11. Next certificate no. will be shown also if any. Click print

and proceed until all the certificates are printed. At end Click Ok.

Fig 14.25


Fig 14.26

Fig 14.27


Fig 14.28

Fig 14.29

Fig 14.30 14.12 Pledging of Certificate – See General Issue Section


SECTION -15 NSS & OTHER DISCONTINUED SCHEME

15.1 About Discontinued Scheme – Both Principal and Interest amount is either to be paid by Postmaster Cheque or Credit into savings account. No cash payment should be made.

The procedure for payment of principal amount of discontinued schemes to be followed is :

Invoke HTM in counter PA login. Select the relevant office account as Debit account and enter the old registration number

or old account number in Ref.No. column in the main screen. Select 'A - Additional Part Transaction Details'. Click on Go button. In 'Transaction Maintenance - MinorSubsidiaries Details' screen, don't enter anything in

Start amt field and End amt field. In Ref.No. , enter the old Registration number or old account number.

In Filter, select 'U - Unresponded' and click Go button. Then, the details will be displayed. Select the record. Click on Accept. The main HTM screen will back. For payment through Postmaster Cheque, In HTM screen, click on ADD and then select

‘Credit’ option. In A/c ID field enter Postmaster Cheque account - SOLID0340. Click Contra button. Amount will show. Click Post. For credit into Post Office Savings Account, In HTM screen, click on ADD and then select

‘Credit’ option. In A/c ID field enter the SB account number if customer is having any SB account in any CBS

Post Office. Click Contra button. Amount will show. Click Post. Supervisor has to verify this transaction and Discharge Journal has to be prepared manually. Amount paid can be verified from Office Account LOT or Discontinued Scheme LOT.

The procedure for payment of interest amount of discontinued schemes to be followed is:

Calculate Interest amount manually. Invoke HTM in counter PA login. Select the relevant office account as debit account and enter the old registration number

or old account number in Ref.No. column in the main screen. Select 'A - Additional Part Transaction Details'. Click on Go button. In 'Transaction Maintenance – Minor Subsidiaries Details' screen, enter amount of interest

calculated manually in Start amt field and End amt field. In Ref. No. enter the old registration number or old account number. Click Go button.

In the next screen the amount will be shown. Click Accept. The main HTM screen will back. For payment through Postmaster Cheque, in HTM main screen, click on ADD and then

select ‘Credit’ option. In A/c ID field enter Postmaster Cheque account - SOLID0340. Click Contra button. Amount will show. Click Post. For credit into Post Office Savings Account, In HTM screen, click on ADD and then select

‘Credit’ option. In A/c ID field enter SB a/c number of customer. Click Contra button. Amount will show. Click Post. Supervisor has to verify this transaction and Discharge Journal has to be prepared manually. Amount paid can be verified from Office Account LOT or Discontinued Scheme LOT.


15.2 NSS87 Payment -

If withdrawal amount is less than 2500 and mode of payment is cash

1. Unfreez the account using HAFSM Menu by HO Super and verify it using same menu by another HO Super. Unfreez request to be sent to HO for this purpose.

2. Use CTM Menu to withdraw and verify with the same menu by Super at SO if the account stands at SO or payment may be taken from HO also.

3. Freeze the account again using HAFSM Menu by any HO Super and verify the freezing process by HO super only. (To be done by HO only)

If withdrawal amount is less than 2500 and mode of payment is Transfer

1. Unfreez the account using HAFSM Menu and verify using same menu by Super. (To be done by HO only)

2. Use CXFER Menu (Dr. NSS A/c and Cr. SB A/c) to withdraw and verify with the same menu by Super.

3. Freeze the account again using HAFSM Menu and verify the freezing process by HO super.

If withdrawal amount is 2500 or more than 2500 and 15G/15H is not submitted

1. Check the balance using HACLI. 2. Unfreeze the account (To be done by HO only). 3. Withdraw by CTM (cash upto Rs. 20000/-) or CXFER (transfer) Menu and the same to be

verified by Super. TDS will be deducted automatically at the time of transaction at the rate 10%.(From 01.06.2016)

4. Freeze the account again using HAFSM Menu and verify the freezing process by HO super.

If withdrawal amount is 2500 or more than 2500 and 15G/15H is submitted

1. Modify the account using CASBAM Menu. Select 15G/15H submitted status “Yes” 2. Verify the account using CASBAM Menu by Super. 3. Use CMRC menu and Function – Inquire to see the TDS Table code is “NOTAX”. If not

make it NOTAX using the same menu but Function- Modify. Verify it with the same menu. 4. Use CTM (cash) or CXFER (transfer) Menu to withdraw cash. Verify it with Super with the

same menu. 5. Freeze the account again using HAFSM Menu and verify the freezing process by super.

15.3 NSS87 Closer -

1) Use HCACC Menu to collect TDS if applicable. 2) If 15G/15H is submitted –

i) Modify CIF using Menu CMRC to enter PAN information if not given and check TDS table code is selected “NOTAX”. Verify the modification using same menu. ii) Modify the account using CASBAM and select 15G/15H submitted status “Yes”. Verify the modification using same menu.

3) Unfreez the account using HAFSM Menu and verify using same menu. 4) Use HCAAC Menu to close NSS87 account [like SB a/c closer] and verify.

Note: For freezed account if the account to be transferred to other SOL then first unfreeze the account then transfer the account


SECTION -16 AGENT PORTAL

16.1 Addition of an Agent –

1. Menu : HDSAMM– Click Go 2. Function : A-Add 3. DSA ID : Enter ID of DSA. (Enter a alphanumeric ID. E.g. JOYTI72) Click Go

Under General Page TAB

4. Enter DSA Name 5. Enter Postal code and click outside to populate data.

6. Enter Address 1,2,3 etc. 7. Enter Phone no, Mobile no etc.

8. Enter License No.

9. DSA Turnover Frequency i)Daily ii) Holiday – N-Next day (or as desired by the DSA)

10. Commission Cr. A/c. ID: Enter SB A/c No. of the DSA (*Commission Credit account must be SB single account/Joint a/c is not allowed).

11.Enter Next turnover date 12. Enter Tax Code: TDSAG 13. Enter License Expiry date 14. SET ID: Enter SOL ID 15. Agent type under Fee Code Section: Select from searcher SAS/MPKBY/PPF/PRSS Under Product Page TAB

1.Select Scheme Code: e.g. RDIPN/MISN1 etc. 2.Select Pay commission: YES radio button 3.Enter Payment frequency: i) Daily ii) Holiday – N-Next day 4.Enter Next Commission date: Any date after migration 5.Subvention Reversal Credit Placeholder : Enter the no. e.g. 45089000 6. Submit.

16.2 Addition of an Agent Verification –

1.Menu : HDSAMM– Click Go 2. Function : V-Verify 3. DSA ID : Enter ID of DSA. Click Go Under General Page/ TAB check all the entries.

4. Under Product page/ TAB check all the entries.

5. Submit

Fig 16.1

16.3 Procedure to copy an Agent –

1.Menu : HDSAMM– Click Go 3. DSA ID : Select one DSA ID from searcher

2. Function : Select C-Copy And Click Go

4. Enter DSA Name (Enter the new agent name which you would like to create in the Finacle as shown but agent name should not contain spaces or special characters.) Click on Go. 5. Under General Page/TAB delete the entries and re-enter all the required fields for the new agent(as shown in ADD procedure) 6. Click on Product Page/TAB. System will show all the 24 products (added automatically) as we have selected "COPY" function while creating the agent hence this work will be reduced. If you had selected the function "ADD" then you had to add all the 24 products.


Fig 16.1

Fig 16.2


Fig 16.3


SECTION -17 GENERAL ISSUE

17.1 Transaction ID searching –

[If in any case Transaction ID could not be noted due to some problem]

1. Menu HFTI-Click Go [Fig 17.1] 2. A/c ID : Account ID/Teller Account ID/Office A/c ID 3. Click Go Other Filters may be used when required are: Post User ID, Entry User ID,

General Ledger Subhead Code, Transaction Status, Today Transaction only (by default is selected) etc.

Transaction ID will be shown in the result if the transaction takes place properly. [Fig 17.2] For details of transaction View details button may used.

Fig 17.1

Fig 17.2


17.2 Non financial transaction searching –

Sometimes it is required to find accounts where any verification is pending. Sometimes after opening of account, due to some reason Account ID could not be noted.

1. Menu HAFI-Click Go [Fig 17.3] 2. Ref No. : Press space bar one - two times to insert blank space 3. Entered By: Enter the User ID of the person who has made the entry. If Account ID could not be noted, this criteria is used. In other cases this filter may be ignored if not known exactly. 4. Click Not Authorised option 5. Click Go .Result will be shown.[Fig17.4, 17.5 & 17.6] Other Filters may be used when required are: Table Short name(GAM), A/c ID, General Ledger Subhead Code (Given below in a table) , Transaction Status, Entered on etc. If not found in the first page, go to next page using the small blue arrow.

Entries with A in Function column means Account created but not authorised. Entries with M in Function column means Account modified but not authorised. Entries with Z in Function column means Account closed but not authorised.

Fig 17.3

Fig 17.4


Fig 17.5

Fig 17.6 General Ledger Subhead code:

SCHEME GL SUB HEAD SCHEME GL SUB HEAD SCHEME GL SUB HEAD SB 30001 TD 1 YEAR 30011 NSC IX 32003 RD 30010 TD 2 YEARS 30012 KVP 32027 MIS 30016 TD 3 YEARS 30013 NSS87 30021 SSA 30042 TD 5 YEARS 30014 NSS92 30022 PPF 33001 NSC VIII 32001

17.3 Inquiry of Transaction –

1. Menu: HTM-Click Go 2. Function Code -Inquire 3. Transaction ID: Enter Tran ID to be inquired. 4.Click Go Details of the transaction are shown. If Both Dr. and Cr. Are involved, there will be two records. 5. Click OK after the inquiry.

17.4 Deleting of Transaction –

1. Menu: HTM-Click Go 2. Function Code - Delete 3. Transaction ID: Enter Tran ID to be deleted. 4. Click Go Details of the transaction are shown. If Both Dr. and Cr. Are involved, there will be two records. 5. Click Submit

17.5 Signature View –

1. Menu : IES-Click Go [Fig 17.7 & 17.8 ] 2. CIF ID: Enter CIF ID of customer 3. Click Go 4. Click Signature icon to see the signature 4. Click Photograph icon to see the photograph


Fig 17.7

Fig 17.8

17.6 How to tally cash - if excess cash found in the counter (teller) –

If after tallying cash, excess cash found in Teller, ensure that the excess cash found is not due to any wrong transaction done in any office account like Vault etc. Instead of customer account the cash should be deposited into Sundry account of the SOL i.e. SOL0324. Error entry has to be made in error book against the excess cash. Error book must contain the Transaction ID generated during the transaction.

17.6.1 Cash Deposit Procedure in Sundry Account —

1. Menu: CTM – Click Go [ Fig 17.9] 2. Function : A-Add 3. Function type: Select deposit 4. Click Go. A New window will come. [Fig 17.10] 5. Enter A/c ID: Enter Sundry Account No. of your SOL (SOL0324) 6. Amount : Enter the excess amount found at counter

7. Transaction Particulars: Delete the entry “By Cash Deposit” and enter “Date and amount received as Excess cash"

8. Option : Select G Partitioning Details 9. Partitioning A/C ID : Enter Teller Account ID - who is doing the transaction.

10. Click Post button. Transaction ID will be generated. Note down the Transaction ID. [Fig 17.11]


Fig 17.9

Fig 17.10

Fig 17.11

17.6.2 Verification of deposit By Supervisor –

1. Menu: CTM – Click Go 2. Function : Verify 3. Enter Transaction ID 4. Click Go 5. Check and Submit

Note: After doing the excess cash deposit transaction, Vault operation using HTM menu must be done to return the excess cash deposited in Teller account. Verify the vault transaction by Super with the same menu.

17.6.3 Reversal of Excess Cash - Kept in Sundry Account— 1. Menu: HTM – Click Go [Fig 17.12] 2. Function : A-Add 3. Transaction type/Sub type : T/CI-Customer Induced (For transferring the amount to customer’s SB account or Postmasters cheque account)

4. Click Go.

First Screen of HTM transaction page will open [Fig 17.13] Debit Radio button By default will be selected 5. Enter A/c ID: Enter Sundry Account No (SOL0324) 6. Amount : Enter amount of withdrawal


7. Enter Ref No: The Tran ID generated during Cash deposit in Sundry A/c. (found in error book) Restore Value : A-Additional Part Tran Details (default selected) 8. Click Go A new window Named “Minor Subsidiaries Details” will open. [Fig17.14] 9. Tran ID : Enter Tran ID generated during Cash deposit in Sundry A/c 10. Click Go. Another window will open [Fig17.15] Select the correct entry by checking the "Particulars" matching the “Transaction particulars” which was entered during excess cash deposit. 11. Click the left hand check box to select. 12. Click Accept. First Screen of HTM Transaction page will return. [Fig17.16] 13. Restore Value: Select G-Partitioning Details. 14.Click Go Another window will open [Fig17.17] 15. Entity ID: Enter the teller account no. who is doing the transaction. 16. Click Accept First Screen of HTM Transaction page will return. [Fig17.18] 17. Click ADD button to enter the Credit part of the transaction. 18. Click Credit radio button. 19. A/c. ID: Enter the SB account no of the customer 20. Amount field: Enter the amount or Click "Get Contra Amount" which is available near to Amt column (System will automatically take the amount) 21. Click Post 22. Transaction ID will be generated. Note the Transaction ID 17.6.4 Verification of Reversal of Excess Cash - kept in Sundry Account—

1.Menu: HTM – Click Go 2. Function : Verify 3. Enter Transaction ID Click Go 4. Check both the records (Debit & Credit) and click Submit.

Fig 17.12


Fig 17.13

Fig17.14

Fig 17.15


Fig 17.16

Fig 17.17

Fig 17.18


17.7 Lien Maintenance –

Lien is referred to an earmarking or blocking a certain amount in an account. Some Liens are system generated. When RD loan is taken by a customer then in Finacle a

separate Loan account is opened. The Whole of the RD amount deposited is automatically marked as Lien. So the customer will not be able to close the RD account in any way without repaying the RD Loan.

Also RD default fee and Loan interest of RD Loan not paid before migration period will be marked as Lien. The Lien has to be removed and the Lien amount must be recovered from the customer before closer of these accounts.

Lien is used to pledge certificates Accounts. But it may be done in any account. 17.7.1 Marking Lien –

1. Menu: HALM – Click Go [Fig 17.19] 2. Function – Add 3. A/c ID: Enter A/C no of Certificate Module type - User defined (Default selected) 4. Click Go. A new window will come. 5. Enter New Lien Amount [Fig 17.20] 6. Enter Lien Reason from searcher: for example 003(Security Deposit) Requested by and Request Department field may be filled up if necessary. 7. Submit. A message will come “ Record added successfully” [Fig 17.21]

Fig 17.19


Fig 17.20

Fig 17.21

17.7.2 Marking Lien Verification –

1. Menu: HALM – Click Go [ Fig 17.22] 2. Function – Verify 3. A/c ID: Enter A/C no of Certificate 4. Click Go. A ne window will open. [ Fig 17.23] 5. Check and Submit. ““ Record verified successfully” message will come [Fig 17.24] Use the Menu HACCBAL, Enter A/c ID and Click Go to check Lien Amount. [Fig 17.25]

Fig 17.22


Fig 17.23

Fig 17.24

Fig 17.25


17.7.3 Revoking Lien/Modifying Lien –

1. Menu: HALM – Click Go [Fig 17.26] 2. Function – M-Modify 3. A/c ID: Enter A/C ID in which Lien is marked 4. Module type— Keep it User defined (default) 5. Click Go. A new window will come. [Fig 17.27]

6. New Lien Amount: Delete the amount and Enter 0 (Zero) to remove the lien amount.

7. Keep the reason and Submit

Fig 17.26

Fig 17.27

Fig 17.28


17.7.4 Revoking Lien/Modifying Lien Verification –

1. Menu: HALM – Click Go [Fig 17.29] 2. Function – V-Verify 3. A/c ID: Enter A/C ID in which Lien is marked 4. Click Go. A new window will come.[Fig 17.30] 5. Check the new lien amount is 0 and Submit. A message will come “Record Verified Successfully”

Fig 17.29

Fig 17.30

Fig 17.31

17.8 Freeze an account To be done by HO only as per SB order 5/2016 Freezing is imposing restriction on an account. A frozen account does not allow any transactions. Freezing can only be for debit, credit or both. Discontinued accounts are by default rest in freeze condition. Pledged certificates done before migration (done in Sanchay Post software) remains in

freeze condition.


17.8.1 Freeze an Account Procedure –

1. Menu: HAFSM – Click Go [Fig 17.32] 2. Function – F-Freeze 3. A/c ID: Enter A/C no Enter CIF ID (for Multiple a/c) 4. Select Freeze Code as Total Freeze/Credit only/Debit only Total Freeze = Dr. & Cr. Both Not Possible. Credit Freeze= Cr. Not Possible. Debit Freeze= Dr. Not Possible 5. Enter Freeze Reason code or select from searcher 6. Click Go. A new window comes 7. Select the Check box on the left. [Fig 17.33] 8. Submit A message will come “Total freeze on selected accounts placed successfully” [Fig 17.34] Note : If all or selected accounts under a CIF to be freeze, then enter CIF ID in the CIF ID field. In the next screen all the accounts under the CIF will show. Just select the check box against the accounts to be freeze.

Fig 17.32


Fig 17.33

Fig 17.34

17.8.2 Freeze Account Verification –

1. Menu: HAFSM – Click Go [Fig 17.35] 2. Function – V-Verify 3. A/c ID: Enter A/C ID Enter CIF ID in the CIF ID field in case of multiple accounts (all or selected account) to be freeze. 4. Click Go 5. Submit after checking Use the Menu HACCDET , Enter A/c No. and click Go to see the Frozen details


Fig 17.35

Fig 17.36


Fig 17.37

17.8.3 Unfreeze an Account Procedure – To be done by HO only as per SB order 5/2016 Done to unfreeze discontinued A/c like NSS accounts etc. before doing any transaction. NSC/KVP certificates pledged before migration (in Sanchya Post) remains in freeze condition.

1. Menu: HAFSM – Click Go [ Fig 17.38] 2. Function – U-Unfreeze 3. A/c ID: Enter A/C no Or Enter CIF ID (for Multiple A/c) 4. Click Go. A new window will come. [Fig 17.39] 5. Select the Accounts, by clicking the check box on the left. 6. Submit. A message will come “ Total freeze on selected accounts removed successfully”[Fig 17.40]

Fig 17.38


Fig 17.39

Fig 17.40

17.8.4 Unfreeze an Account Verification –

1. Menu: HAFSM – Click Go [ Fig 17.41] 2. Function – Verify 3. A/c ID: Enter A/C no Or Enter CIF ID (for Multiple A/c) 4. Click Go. A new window will come. [Fig 17.42] 5. Submit. A message will come “ Total freeze on selected accounts removed successfully”[Fig 17.43]

Fig 17.41


Fig 17.42

Fig 17.43 17.9 Reinvestment Procedure in Finacle – See SB Order 7/2015 Annexure- Scenario-14

Customer must have a SB account. The SB account must be live and signature is available. To check availability of signature

use the menu IES and enter CIF ID of the SB account. Use Menu CASBAM and function - Inquire to check the Account status: Silent/Active. If

silent make it active and verify it by super with the same menu CASBAM after taking proper application.

Check CIF with the menu CMRC – i) KYC status : Document submitted, ii) DOB iii) Gender, iv) PAN No. attached to CIF if applicable.

If KYC document not submitted, take it from the customer and change the CIF KYC status.

1. On the receipt side of SB-7A/Certificate ask customer to provide amount to be reinvested, name of the scheme and SB Account no.

2. In the AOF against Mode of deposit: Write “Transfer from SB account no………….” for reinvestment purpose. This transaction is treated as Non cash transaction and agent commission (Agent if any attached) is credited to agents SB account automatically.

3. During closer of an account, the amount will be credited to SB account. 4. During opening of an account, the amount will be debited from SB account. 5. For getting the transaction ID of this Credit and Debit operation use Menu HACLI and

enter SB account of the customer. Click on transaction date to get Tran ID of both transactions to prepare deposit and withdrawal voucher if required.


17.10 Account Transfer Between SOLs -

SOL transfer only to be done by HO Super. Another Super to Verify. When customer request to transfer account from one CBS post office to another CBS post

office, the account may be Transfer In. This can be done either from the Post office where the account to be transferred or from the Post office where account stands. Where the account stands is called Source SOL and where the account will be transferred is called Target SOL. One Instruction No. will be generated at end of the procedure. Note the number. This number is to be verified by super.

In case of TDA product like MIS/TD/SCSS before starting the transfer process ensure that there is no interest payment due for the account (remains in the Sundry account of the Source SOL) in the Source SOL.

If the account is in frozen condition, before transferring, the account must be unfreeze first. After transferring, the account must be again frozen.

Account transfer between CBS and Non CBS Post office is not allowed. Account transfer is only possible between CBS Post offices.

17.10.1 Procedure by PA –

1.Menu : HACXFSOL - Click Go [Fig 17.44] 2. Function : T-Transfer 3. Click Go. A new will screen come. [Fig 17.45] 4. Source SOL ID: Enter SOL ID where the account stands.

5. Target SOL ID: Enter SOL ID where account to be transferred.

6. A/c ID. : Enter the Account ID to be transferred 7. Click Submit 8. Instruction Number will be generated. Note it. [Fig 17.46]

Fig 17.44

Fig 17.45


Fig 17.46

17.10.2 Verification by Super –

1.Menu : HACXFSOL - Click Go [Fig 17.47] 2. Instruction No. : Enter instruction no. 3. Click Go. A new will screen come. [Fig 17.48] 4. Check & Submit. [Fig 17.49]

Fig 17.47

Fig 17.48

Fig 17.49

Note: If the Instruction No. could not be noted by any reason, use the following Procedure –

1. Menu : HAFI. Click Go. 2. Table Short Name: "ATT" 3. Ref. No: 1 or 2 blank spaces. 4. Entered by : User ID of the person who have done the transaction. 5. Entered On : Date of transaction 6. Select Not Authorised option 7. Click Go 8. Instruction No will be shown.


17.11 Intersol Transaction – [Ref : SB Order 7/2015- Annexure-Scenario-11]

In CBS environment, transactions can be initiated in any CBS Post Office. Before doing intersol transaction, use menu HACLI to check whether the accounts stands in

Fincale. Check the signature is available using menu IES. Any depositor of Savings, RD, TD, MIS, SCSS, PPF or Certificates can initiate any Financial

transaction(Deposit/Withdraw/Interest withdraw) at any CBS Post Office. Any Non-Financial transaction like Account Modification or CIF modification can be made

only where the account stands. And it should be supported by documentary proof. One copy of KYC Document must be sent to CPC for scanning.

Transaction will appear in the Report No.19 (i.e Common Counter Wise Transactions Report-Inter Branch) of the office where transaction is initiated.

Amount of the transaction would also appear in Consolidation of the same office. No transaction would appear in the office where account/certificate stands. Extra care should be taken at the time of such transactions.

In respect of withdrawal from savings Account for more than for Rs. 50,000/- , it should be allowed only if required KYC documents of the account holder (s) have been taken. In respect of accepting deposits, no extra care is required to be taken.

17.12 Closer of Accounts at other SOL– [Ref : SB Order 7/2015- Annexure-Scenario-1 & 5]

As regards, payment of maturity value of MIS/RD/SCSS/TD/PPF/Certificates, payment should be made by crossed cheque or credit to Savings Account (where appropriate KYC documents have been taken).

The Counter PA should first use menu HACLI and see that Account(s) are genuine and stand in Finacle. Signatures of the holder(s) on the withdrawal Form or Account Closure Form with that available in Finacle, using menu IES.

Once, it is confirmed from the signatures that holder is genuine; payment of interest should be made to the account holder as per process being followed for normal withdrawal.

If account closure is requested, take SB10(b) form, fresh ID as well as Address Proof. The KYC documents should be properly verified by Supervisor. In case of certificate take filled up NC-32 form from the customer.

If any interest (montly/quarterly/yearly) is due should be checked using HTDTRAN, HIOT, HTM etc. If any due that to be paid first before transferring the account. This is very important.

Account(s) then to be transferred IN by using HACXFSOL, whenever any account is closed at the office-other than the office where account was opened.

SB10(b)/NC-32 and fresh KYC documents obtained should be preserved in the CBS Post Office where payment is made. An intimation of Transfer/Closure/Discharge should be sent to the office from where the account was transferred by service registered post which will make Transfer/Closure/Discharge entry in the original AOF.

17.13 Death Claim case at other SOL – [Ref : SB Order 7/2015- Annexure-Scenario-3] 17.13.1 Certificates (NSC/KVP) -

When any claimant (in case of death of holder) presents certificates issued by another CBS Office along with claim application form for payment or transfer to the claimant's name.


In CBS environment, claim form can be submitted at any CBS post office. When such a claim is presented at any CBS post office, first of all, user has to enter date of death in the CIF using CMRC menu and supervisor has to verify it.

Then procedure of settlement of deceased claim case has to be followed. After sanction of claim, if claimant wants payment, counter PA to check account stands in Finacle using HACI. Also check the signature available using IES. Payment should be done as per procedure mentioned in Section 17.12 Closer of accounts.

If claimant wants to transfer of certificates in his/her name, open new CIF in his/her name based on new AOF (if no CIF is available in his/her name) and attach the existing Certificates (Accounts) with new CIF using HCCA menu.

Name of holder can be changed in account level through menu HAALM. In this case also, an intimation of Sanction of Claim/Transfer/Discharge along with copy of

sanction memo should be sent to the office of issue by service registered post which will made Death/Transfer/Discharge entry in the Purchase Application(in case of old certificates) or AOF.

Claim Application Form and KYC documents of claimant and Account Opening Form (AOF) should be preserved in the CBS Post Office. If certificates are transferred in the name of claimant, KYC Form has to be taken from the claimant and sent to CPC of the office where claim is sanctioned. CPC will scan the Photograph and signature and attach the same with new CIF.

17.13.1 MIS/TD/SCSS/PPF/RD – [Ref : SB Order 7/2015- Annexure-Scenario- 6] When any claimant presents documents for preferring claim (in case of death of depositor) in respect of any MIS/SCSS/TD/RD/PPF account(s) stand at another CBS Office along with claim application form for payment or transfer of account (RD/TD/SCSS {only spouse}) in the name of claimant. First check accounts stands in Finacle using HACLI menu. Also check Signature available using

IES menu. Death should be noted in the relevant field in CIF of deceased depositor using CMRC and

verify with the same menu. Follow the procedure laid down for settlement of deceased claim case. After sanction of claim, follow the procedure mentioned in Section 17.12 - Closer of accounts.

If claimant wants to transfer RD/TD/SCSS (only spouse) account in his/her name, open new ClF (based on new, Account Opening Form (AOF)) in his/her name (if not already exists) and attach the existing Accounts with new CIF using HCCA. Verify with same menu. Name of holder can be changed through menu HAALM. Verify with same menu.

Claim Application Form and KYC documents of claimant or Account Opening Form (AOF) should be preserved in the CBS Post Office and in case account(s) is/are transferred in the name of claimant, KYC Form has to be obtained and sent to CPC of the office where claim is sanctioned. CPC will scan the Photograph and Signature and attach the same with new CIF.

17.14 Transfer of Accounts –

Transfer of accounts is only possible between CBS post offices. Transfer of accounts is only possible between Non-CBS post offices. Transfer of accounts is not possible between CBS & Non-CBS post offices. Transfer of accounts to be done by HO only.


17.15 How to handle cheques sent for collection before migration to CBS but clearance received after migration – Please Note: This workaround to be used ONLY until the cheques are processed through OUTWARD CLEARING ZONE User to invoke CXFER MENU in finacle. Debit SBI (Sundry) account( SOL id followed by 0007 as debit account e.g 600002000007) Credit account (SOLID0382/SOLID0017/SB Accounts of customer) a. SB – Respective account number (Subsequent deposit) b. MIS/NSC/PPF/TD/SCSS/RD – SOLID0382 – For New Account c. PPF/RD Retail / Bulk – SOLID0017 – Subsequent deposit

For RD Retail / Bulk the cheque number SHOULD BE ENTERED in the Transaction Particular field (CXFER) without fail by removing the word “BY TRANSFER”. Cheque number should be of 6 digits. If the cheque number is 00234, “0”(ZERO) in the prefix of the cheque number should be omitted and enter as 2345 (i.e. 2345)

Fig 17.50

Fig 17.51


17.16 Single to Joint account

All the accounts may be transferred from Single to joint. Use the modification menu of each scheme for this purpose. Joint account holder must have CIF. If not exists take KYC form and documents and create CIF using CCRC. KYC form to be sent to concern CPC for scanning.

Use Modification menu of the concern scheme. Change Mode of Operation from 012 to 016 or 017 as applicable. Enter Related Party details 2 or 3 as the case may be. Select Joint holder, Relationship etc. Submit.

Verify the modification with supervisor with the same menu.

17.17 Joint to Single Account/Deletion of 3rd joint holder –

All the accounts may be transferred from Single to joint. Use the modification menu of each scheme for this purpose. Removal of 2nd or 3rd joint Holder (Normal case) – Use Modification menu. Change Mode of operation as 012, in case of joint account becoming single account. Delete CIF of 2nd or 3rd holder as the case may be. Submit. Verify with Super – same menu.

Removal of 2nd or 3rd joint Holder (Death case)- Use Modification menu. Change Mode of operation as 012, in case of joint account becoming single account. Delete CIF of 2nd or 3rd holder as the case may be. Submit. Verify with Super – same menu. Death marking to be done in CIF using CMRC menu and verify.

Death of 1st Holder (Main Holder)- Procedure -1

Step 1: Make the account single using modification menu of concerned scheme by removing the other joint holder/holders and change the mode of operation as single. Verify it by Super. Step 2: Use HCCA to change the CIF of the diseased main holder to that of 2nd / 3rd holder / New Holder as per requirement of customer. Verify it with the Super with same menu. Step 3: Now add other joint holder/holders if required and make mode of operation as joint using modification menu of the concerned scheme. Step 4: At last use CMRC and modify the CIF of the diseased person (1st holder). Customer Status to be marked as Diseased. Enter Date of death and Submit. Verify it with same menu.

Procedure -2 Step 1: Using modification menu of concerned scheme remove the joint holder which is to be the 1st Holder. Verify it by Super. Step 2: Use HCCA to change the CIF of the diseased main holder to that of 2nd / 3rd holder which has been deleted. Verify it with the Super with same menu. Step 3: At last use CMRC and modify the CIF of the diseased person (1st holder). Customer Status to be marked as Diseased. Enter Date of death and Submit. Verify it with same menu. Note : All the four steps must be done together while doing such changes. 17.18 Major to Minor conversion – Take fresh KYC. Modify the CIF. Change Major flag “Yes”. Make other changes required. Submit. Verify. Send one copy KYC to CPC for scanning. 17.19 Addition/Modification of Nomination Use modification menu of each scheme for this purpose. Make Nomination required option “Yes”. Enter details of nominee. Submit. Verify it with Super with same menu.


SECTION -18 CHEQUE PROCEDURE 18.1 Procedure for handling Cheques presented at CBS SOs

Cheques received at SB counter of CBS Sub Office, are to be sent to CBS HO dealing with Clearing for clearance. SO will not lodge any cheque in Finacle. [SB order 5/2016]

Fig 18.1

ACTION AFTER CLEARING OF CHEQUE AT SO

On receipt of cheque clearance scroll from Clearing house, HO will regularize the Balance. Once regularized, funds will be credited to respective SB account of customer/0382/0017 of SO. No action has to be taken in Finacle at SO level.

Amount of subsequent deposit into Savings Accounts, will be accounted for at HO. Credit will happen directly on release of shadow balance and amount will be reflected in LOT as well as Consolidation.

SO or HO (not dealing with clearing house) on receipt of Intimation of clearing will account for this amount as Remittance to HO or Clearing House HO against intimation of clearing received.

18.2 Procedure for handling Cheques presented at CBS HO Clearing Issues

INWARD CLEARING [Debit process] Inward clearing means the cheques received by the Post office from other banks or Post office.

Inward clearing cheques are the cheques drawn by the Post office customers on their account in favour of other parties. On receipt of the inward clearing, the cheques are posted to the various accounts on which they are drawn - meaning the accounts of the cheque issuer or drawer with the Post office is debited and the payment is made to the bank presenting the cheque. OUTWARD CLEARING [Credit process]

Outward clearing means the cheques sent for collection. When a particular Post office receives instruments drawn on the other bank within the

clearing zone and sends those instruments for collection through the clearing arrangement is


considered as Outward Clearing for that particular Post office. This Post office is known as collecting office. When we receive inward clearing we have to debit our customer account and when we receive outward clearing we have to send it to relevant bank for payment.

HOW TO HANDLE INWARD CLEARING

Important:- The HO which is dealing with Clearing House will debit all cheques received from Clearing House at that HO only after following the prescribed procedure given below. No cheque should be sent to any other CBS HO or CBS SO. OPENING OF ZONE BY SUPERVISOR

Supervisor will open the Zone and enable the Operator to lodge (enter) the inward cheques received for clearing. 1. Menu - HMICZ 2. Function O-Open Zone 3. Zone Date – By default System date will

come 4. Select Zone code as MICR. Click Go. (Only MICR zone should be opened. CTS Zone should not be selected even the office is linked to a CTS Zone)

5. Total amount in Advice: Enter the total amount of inward clearance amount. This can be modified even at a later stage using the Menu HMICZ and Function - Modify Zone.

6. Total No. of instruments in Advice: Total number of cheques corresponding to the Total advice to be entered. This also can be modified at a later stage using the Menu HMICZ and Function - Modify Zone. 7. Submit “Zone opened successfully” message will come

LODGING OF CHEQUES IN THE ZONE BY OPERATOR

1.Menu HICTM -Go 2. Select Function - Add 3. Select Zone : Inward clearing zone (MICR) opened by supervisor. Click Go.

4. Enter the Account number and click Outside. The amount available in this account will be shown.

5. Check signature by clicking the SVS - Signature Verification system icon to view the signature.

6. Enter the Instrument /Cheque number (click show exception button if you want to check the validity of the chq) 7. Enter the Amount. 8. Enter the Name of the Payee. 9. Default Transaction code is 10. It can be changed by clicking on the searcher. Select different Transaction code (10/11/13/14/19 etc.) as printed on the cheque. This code is very important. Correct transaction code should be selected.


10. If sufficient balance is available *Carve will be Yes. (Carve – by Default is YES). Or If insufficient balance or any other reason (Signature not matched etc.) select Reject as I-Inward. Watch that Carve flag automatically became No.

a) Click on the red & White details button just adjacent. b) Enter Reject reason 1. Select from searcher (01/02/03 etc). c) Click charges button d) Check charge amount. It will be 50 by default as per rule. But it can be modified if

required. e) Click Accept button in charges page. f) Click Accept button again in the reason page. Main cheque entry page will return. g) Click the button adjacent to Additional details. h) Click Presenting Bank/Branch (e.g. 211) and click searcher in the below box and select the

branch code. i) Click Accept.

11. Click Add button to enter more instrument. At end click Show exception button to see everything is ok. If not correct, then select the entry and make necessary changes. Click Submit at end. *(Carve – Carve means to slice off specified portion of funds equivalent to cheque clearing amount out of the total available balance. This is done to ensure that the cheques received for inward clearing will surely be cleared if sufficient balance is available. Customer cannot withdraw even from this account, the amount carved). Super to verify using same menu HICTM. Function Verify. Click Accept and Submit.

MODIFICATION OF CHEQUES IN THE ZONE BY OPERATOR

1. Menu HICTM -Go 2. Select Function-

Modify 3. Select or Enter Zone : Inward clearing zone (MICR) opened by supervisor. Click Go.

4. Click Accept button to see all the cheques or enter instrument no to modify a particular cheque.

5. The cheques/Cheque lodged will be shown.

6. Click on the entry and make necessary correction (like Rejecting any cheque, instrument number mismatch etc.) Click Submit button.

Suppose there is insufficient balance in the account – An error will be thrown. Ensure that this cheque is marked as “Reject” in Inward zone – Inward reject can be done even after running Validation run.(will be discussed later) For both type of rejects i.e. Inward and Outward rejects carving should be NO.

DELETING OF CHEQUES IN THE ZONE BY OPERATOR

1.Menu HICTM -Go

2. Select Function- Delete

3. Select Zone : Inward clearing zone (MICR) opened by supervisor. Click Go.

4.Click Accept button

5. All the cheques lodged will be shown.

6. Click on the duplicate entry or wrong entry

7. The Selected check box should be ticked for the record which needs to be deleted. For the other cheques, this check box shouldn’t be ticked.


8. Click Submit button. SUPER WILL VERIFY THE MODIFICATION OR DELETION USING SAME MENU HICTM.

Note1 : Delete function can be used to delete the verified as well as unverified instruments. Note2 : If Duplicate cheques are entered Errors will be thrown during EOD. Delete the duplicate entry.

INQUIRY OF CHEQUES IN THE ZONE BY OPERATOR

1. Menu HICTM -Go

2. Select Function I-Inquire

3. Select Zone : Inward clearing zone (MICR) opened by supervisor. Click Go.

4.Click Accounting Statistics TAB 5. Check the debit and credit part whether tallied.

SUSPEND THE ZONE BY SUPERVISOR

1. Menu HMICZ -Go 2. Select Function S-Suspend Zone. 3. Select Zone : Inward clearing zone (MICR) opened by supervisor. Click Go. 4.Click Accounting Statistics TAB 5. Check the debit and credit part whether tallied and

Inward and outward reject details also. 6. Click Submit to suspend the Zone A message will come like “Zone - 40000100/26-12-

2013/MICR Suspended successfully”. Note: No cheques can be lodged (entered) after SUSPEND. Still if any cheques are left out or high priority cheques to be entered, the same can be done by un-suspending the zone through function- Revoke Suspension. Again lodge the cheques through HICTM by operator, verify and suspend the zone by Super)

VALIDATION RUN BY SUPERVISOR and TAKING PRINT

1.Menu HMICZ -Go 2. Select Function V-Validation Run. 3. Select Zone : Inward clearing zone (MICR) opened by supervisor. Click Go. 4. Click Submit. 5. A message will come “Batch program successfully

invoked”. 5. Menu HPR -Go

6. There will be an entry “VALIDATION RUN FOR INWARD CLEARING ZONE” – Click red & white Details button then click Type button in the next screen. Report will be shown.

If no errors are found, zone status will show as Validation run successful. This can be checked through Menu HMICZ – Inquire – Zone Status If any rejects are found in HPR due to insufficient balance or for other reasons, invoke Menu HICTM – Function Modify – Select the appropriate cheque number and mark as INWARD REJECT by selecting appropriate reasons. If any double entries are found, invoke Menu HICTM and Function DELETE the appropriate cheque. If any error is found in HPR, supervisor cannot proceed further to POSTING.

ZONE POST BY SUPERVISOR

1.Menu HMICZ -Go 2. Select Function P-Post Zone. 3. Select Zone : Inward clearing zone (MICR) opened by supervisor. Click Go. Click Submit to post the zone. Actual transactions(Debit from account) happen at this stage only. 4. Reports can be taken in HPR . For taking print out of Rejected Cheques INVOKE MENU HREJREB.


ZONE CLOSE BY SUPERVISOR

1.Menu HMICZ -Go 2. Select Function Z-Close Zone. 3. Select Zone : Inward clearing zone (MICR) opened by supervisor. Click Go. Click Submit to close the zone. Suppose if CARVE is NO. Balance will not be checked at time of LODGING. Suppose funds are available during VALIDATION RUN and while POSTING, no funds are available, these transactions will be in ENTERED state. The reason for this transaction in ENTERED state can be checked in HTM – Enter Tran ID - List All exceptions menu. Reason for entered state can be recorded and this cheque is to be deleted using HICTM menu. However this cheque cannot be honored.

PROCEDURE TO LODGE REJECTED CHEQUE OF OUTWARD CLEARING IN INWARD ZONE

1. Cheque has to entered using menu HICTM 2. In the Account no field enter credit account no that is office Account no (400001000382) in case of new account open by cheque or SB credit account number in case of subsequent deposit in SB Account.

3. Enter Amount, Instrument no, Transaction code, Instrument date.

4. Select Reject: O-Outward and enter details of the cheque.

5. See the details of cheque lodged in outward came automatically under Outward Rejection Details at the bottom of the page.

6. Select Reject reason from searcher and click Accept.

7. Click Additional details and enter presenting bank sort code and Click submit.

8. Super to verify using same menu HICTM. Function Verify. Click Accept and Submit.

Modify the zone using menu HMICZ. Modify the field Total amount in Advice and Total No. of instruments in Advice. [as we have added outward reject cheques]

HOW TO HANDLE OUTWARD CLEARING

Lodging cheqes manually at HO OPENING OF ZONE BY SUPERVISOR

1.Menu - HMCLZOH 2. Select Function O-Open Zone 3. Zone Date – By default System

date will come 4. Select Zone code as MICROW from Searcher. Click Go. (Only MICR zone should be opened. CTS Zone should not be selected even the office is linked to a CTS Zone).

LODGING THE INSTRUMENT IN THE ZONE BY OPERATOR

1. Menu - HOCTM 2. Select Option A-Add 3. Enter Zone code MICROW or select from searcher

4. Click on Go


5. Enter Account no for which cheque is to be credited. SB account number - SB account number in case of subsequent SB Deposit (SB A/c of

both SO and HO) [SB order 05/2016 point No. 24] SOLID of SO + 0017 - In case of subsequent RD Deposit / Agent Bulk Deposit of

SO [SB order 05/2016 point No. 24] SOLID of HO + 0017 - In case of PPF subsequent Deposit of HO/SO [SB order

05/2016 point No. 24] SOLID of SO + 0382 - In case RD/TD/MIS/SCSS/NSC/KVP Account Opening of SO

[SB order 05/2016 point No. 24] SOLID of HO + 0382 - In case RD/TD/MIS/SCSS/NSC/KVP Account Opening of

HO [SB order 05/2016 point No. 24]

6. Enter the amount in the Amount field

7. Enter the Transaction remarks like PPF, MIS, NSC, etc in the free Text field

8. If Single Cheque and Single Account Enter the instrument details in the second part of the screen

Enter the Instrument Date – Cheque Date Enter the Instrument No – Cheque Number Enter the transaction code as 10 or 11/13 etc. as printed on the cheque. Enter the sort code - Sort code is of 9 digits. Click on the searcher The Bank Code list

searcher will appear. Enter the Bank code (4,5,6th digit). If sort code is not available in searcher, enter sort code of any branch of that Bank. Click on submit and select the appropriate Bank, Branch Code.

9. Click on Submit. Set No. will be allotted for cheques lodged. Note down the Set No in the pay-in-slip. If Single account – Multiple cheques – Click on Add button below the Instrument details heading for entering more than one cheque.

If Multiple account – Single cheque – Click on Add button below the Account details heading for entering more than one credit account number.

UPLOADING OF THE TEXT FILE OF SO AT HO On receipt of Physical Cheques from SO or HO along with list, HO will tally cheques with list.

After entering the HO cheques through HOCTM, upload the SO/Other HO Cheques using the procedure mentioned below:-

1. Menu HCLUPLD. Click Go. 2. Report to : PM 3. Enter Zone Date 4. Enter Zone Code 5. File location select “User Application File Path” option

6. Create Transaction “Yes” 7. Upload file name : Enter file like “CHQLODGED_18022015124105.TXT” (copy the file name from saved path)

8. Multiple Instrument “ Yes”

9. Click Submit “Batch program successfully invoked” message will come. See the report Using HPR menu


10. This has to be verified by the supervisor using HOCTM menu. 11. After verification, both the HO and SO/other HO cheques will be available in the Outward Clearing Report.

VERIFICATION OF LODGED CHEQUE BY SUPERVISOR

1.Menu - HOCTM

2. Select from Option V-Verify

3. Enter Zone code MICROW or select from searcher

4. Enter Set No.

4. Click on GO 5. After Checking click on Submit. If any error found in the entry while checking by super that can be modified by Operator only. In that case super will again verify the entry after modification done by operator.

In case of multiple entries all the instrument details will be listed below. Instruments details can be viewed by clicking on the respective instrument number. Total CREDIT AMOUNT and Total amount of all the instruments should tally. Click on Submit. “Successfully Verified in Online Module along with SET NUMBER“ will appear. Once all the accounts / cheques are entered, the SUMMARY details can be viewed at bottom area. Total Credit amount and Number of instruments will be shown.

SUSPENSION OF ZONE BY SUPERVISOR and Report print 1. Menu - HMCLZOH

2. Select Function S-Suspend zone 3. Enter Zone code MICROW or select from searcher

4. Submit Invoke the menu HPCLSO to print the CLEARING HOUSE SUMMARY REPORT. Check using the menu HACCBAL and enter the A/c No. The amount will be shown as FLOAT BALANCE.

If no errors are thrown, release to shadow balance will happen successfully. Cheques received from SOs and other HOs will be sent to Clearing House along with cheques lodged at HO (received at HO counter). RELEASE TO SHADOW BALANCE BY SUPERVISOR

1.Menu - HMCLZOH

2. Select Function R-Release to Shadow Balance

3. Enter Zone code MICROW or select from searcher and date.

4. Click Go A window with General and Statistics tab will be opened. While RELEASING TO SHADOW BALANCE, Zone Status should be “SUSPENDED ZONE” Click on Submit.

Job will be initiated and the report has to be checked in MENU HPR

Check using the menu HACCBAL and enter the A/c No. The amount will be shown as FUNDS IN CLEARING.

MARKING OF OUTWARD REJECT

After receipt of scroll, Rejects if any to be marked. Outward rejects are to be marked in Inward Clearing Zone. Process explained in Inward zone clearing.


REGULARIZATION OF ZONE

1.Menu - HMCLZOH

2. Select Function G-Regularise Shadow Balance

3. Enter Zone code MICROW or select from searcher and date

4. Click Go A window with General and Statistics tab will be opened. While RELEASING TO SHADOW BALANCE, Zone Status should be “SUSPENDED ZONE” Click on Submit

Job will be initiated and the report has to be checked in HPR

If status of the any of the cheque is unknown HMARKPEN menu can be invoked to keep that cheque in pending for clearance. Same can be revoked by using the menu HREVPEND (available only for Postmaster). Using these 2 menus, zone can be partially regularized.

The balances in SB will be posted automatically once the zone is Regularised.

Funds cleared for RD, PPF subsequent deposits will be parked in the Office Account. Invoke the menu HACLINQ to check the balance in the office account SOLID 0017. Fund the respective RD, PPF account using the appropriate menus by transferring funds from this office account. Funds cleared for NSC, MIS, TD, SCSS account opening will be parked in the office account SOLID 0382. Invoke the menu HACLINQ to check the balance in the office account SOLID 0382. Fund the respective accounts by transferring from this office account. The status of the zone can be viewed using the menu HMCLZOH Check using the menu HACLI and enter the A/c No. The amount will be shown in CLEAR BALANCE/ EFFECTIVE AVAILABLE BALANCE (amount will be added in CLEAR BALANCE).

On receipt of cheque clearance scroll from Clearing house, HO will regularize the Shadow Balance. Once regularized, funds will be credited to respective SB account of customer and would appear in SB Consolidation of HO. a) Office Account 0017 of SO for cheques presented by MPKBY Agents at SO for subsequent

deposit in RD. b) Office Account 0017 of HO for HO cheques of RD Deposits. c) Office Account 0017 of HO for HO/Sub Office cheques – For subsequent deposits other

than RD d) 0382 of HO for cheques presented for opening new Accounts at HO. e) 0382 of Sub Office for cheques received from sub offices – For New account opening.

Amount of cheques received from SOs for RD Deposit of MPKBY Agents and for Opening of New Accounts/Certificates will be shown as Remittance Received in advance from SO concerned and intimation will be sent to Sub Offices via E Mail as well as entry in SO Slip.

Amount of subsequent deposit into Savings Accounts, RD and PPF of SOs and HO received through clearing will be accounted for at HO. In case of Savings Accounts, credit will happen directly on release of shadow balance and amount will be reflected in LOT as well as Consolidation. In respect of RD and PPF, HO has to credit the amount of each cheque in respective account after looking from Pay-In-Slip from HOSOLID0017 office account. This amount will also appear in HO LOT and consolidation.


For new Accounts/Certificates, HO will open new accounts/certificates and fund these accounts by debiting HOSLOID0382 office account.

Process at SO or HO (not dealing with clearing house) on receipt of Intimation of clearing. On receipt of intimation from HO, Sub Office or other HO will post the agent lists by debiting

their SOLID0017 office account. SO or other HO will open new accounts/certificates and fund these accounts by debiting their

SOLID0382 office account. SO and other HOs will account for this amount as Remittance to HO or Clearing House HO

against intimation of clearing received.


SECTION -19 REPORT

19.1 Report to be taken before EOD:-

(Menu HFINRPT)

Office account ledger print : HACLPOA & HPR Shroff/Scroll Report (Cash transactions done by a teller): HSCWRPT & HPR


SECTION -20 EOD & BOD

EOD/BOD(End of Day/Beginning of Day) Procedure in Finacle CBS

Every day, in finacle CBS, every HO/SO need to run the process of EOD/BOD. This will ensure the activities of interest calculation and change of date to next working day. EOD and BOD are operations to mark the logical end-of-day for PO/SO level and mark the beginning of the next working day.

Steps to be followed before EOD:-

1.Invoke menu HFTI. Select transaction status “Entered”. Click Go. If no records fetched click Back button. If found any entries, note the Transaction ID and verify it using HTM menu.

2. Now select transaction status “Posted”. Click Go. If no records fetched click Back button. If found any entries, note the Transaction ID and verify it using HTM menu.

3. Invoke menu HIMI and check any Inventory items remains unauthorized. Select Transaction entered but not authorised. If found any entries. Note the Inventory ID and verify it using HIMC menu. 4. Verify the Issued cheque book if any pending. Invoke menu HICHB (Inventory-Issue of cheque book). Enter SB A/c No. and submit. 5. Invoke menu HMICZ -if any Inward clearing zone opened, should be verified and closed.

6. Invoke menu HFINRPT, Click report no 48 “EOD blocking validation report”. Enter SOL id and Submit. If there are any blocking validation pending they must be verified in order to start EOD operations for the day. All such unresolved blocking validations are to be cleared off, at SO level. Use HTM to verify the unverified transactions. 7. Invoke menu HPR. Select the report “EOD blocking validation report”. Click Print screen button. 8. Invoke menu HAFI. Enter User ID in Entered by box and select not authorized option button. Click Go. 9. Invoke the menu HTCPIAC to Check All the teller’s cash position. All the balances should be “0” and check everybody is logged out of the system. 10. During the EOD process nobody should login in finacle except the PC where EOD is in progress.

EOD Steps:- Only First step of EOD to be done at SO/HO

1.HISCOD (Initiate SOL Change Operation Date) (1st step of EOD). - Done by SO/HO

Invoke menu HSSI and SOL Status will show “CHANGE OF DATE INITIATED”

2.HSCOD (SOL Change Operation Date) (2nd step of EOD). - Done by CPC

Before starting the EOD process if HSSI menu is invoked you will see the following entries. If today date is 07.10.2015 SOL ID SOL Status Closer

Date BOD date Last Successful

SOL closer date Next Working date

SOL Batch operation date

Closer EOD Event Status

70000100 SOL CLOSER DONE

07-10-15 08-10-15 07-10-15 09-10-15 CLOSED EOD EVENT NOT IN PROGRESS


After some time invoke menu HSSI. Check the status of HSCOD. If the EOD event status shows “SCOD running“, wait for some time and again invoke HSSI. If the SOL status shows “SOL POSTCOD Done“ and EOD event status shows “EOD Event not in progress” then HSCOD step is completed. Usually it takes about 2-5 minutes if link is in good condition. If the Closer status shows “failed” perhaps you have not checked the “EOD Blocking validation report”. Check it and after clearing all the pending/unverified transactions run HSCOD again. After successful EOD on 07.10.2015 the following entries will be shown SOL ID SOL Status Closer

Date BOD date

Last Successful SOL closer date

Next Working date



70000100 SOL POSTCOD DONE

08-10-15 09-10-15 08-10-15 10-10-15 CLOSED EOD EVENT NOT IN PROGRESS

If EOD is not successful for any reason following entries will be shown

SOL ID SOL Status Closer Date

BOD date Last Successful SOL closer date

Next Working date



70000100 SOL PRECOD DONE

07-10-15 08-10-15 07-10-15 09-10-15 FAILED EOD EVENT NOT IN PROGRESS

3. HSOLCOP (SOL Closer OPeration) (3rd step of EOD). - Done by CPC

Usually it may take longer time (5-15 minutes if link is good). Invoke menu HSSI. Check the status of HSOLCOP. If the EOD event status shows “SOLCOP running“, wait for some time and again invoke HSSI. If the SOL status shows “SOL CLOSER BATCH JOB DONE“ and EOD event status shows “EOD not in progress” then HSOLCOP step is completed.

4. HSCOLD (SOL Closer for Last Day)(4th step of EOD). - Done by CPC

Usually it takes longer time, i.e. 20-30 minutes if link is good but on Friday it takes more time). Invoke menu HSSI. Check the status of HSCOLD. If the EOD event status shows “SCOLD running“, wait for some time and again invoke HSSI. If the SOL status shows “SOL CLOSER DONE“ and EOD event status shows “EOD not in progress” then HSCOLD step is completed.

*Note: Always refer CBS-FAQ (may be downloaded from http://tamilnadupost.nic.in/sdc/) for any type of problem you faced. If there is no solution given for the problem, contact User Champ of the HO/Divn.

http://tamilnadupost.nic.in/sdc/)


SECTION -21 OFFICE ACCOUNT 21.1 Office Account

These are accounts which Post office uses internally. These accounts are opened without reference to CIF ID or involvement of customers. All the operation in the account are initiated and performed by the Post Office. Example: Charge calculations, Interest calculations, Interest collected/Paid, Commission and Expenses account with the post offices and so on.

Office accounts are of Three types –

1. OAB (Office Account Basic) Basic office accounts are simple internal accounts. These accounts will help in managing the General Ledger (GL). Accounts like Vault Accounts, Interest, Commission, Discount, and Charges are under this Scheme Type.

2. OAP (Office Account Parking/Pointing) Pointing accounts are used where the transactions are created for short period, with a reference and they will have to be reversed. Example: Un Posted Office Account (Sundry A/c).

3. OSP (Office System Pointing) The users are not allowed to do any transactions. The transactions are system generated and are verified on invoking or at certain events. Example: Interest calculations on a savings account will be done on a particular day. System calculates and creates a transaction and posts it.

Some of the Important Office Accounts are shown below – Office A/c Description A/c No.

Prefixed by SOL ID

Office A/c Description A/c No. Prefixed by SOL ID

Sundry A/c 0324 Sundry Deposit TD Interest 0335 Vault A/c 0406 Sundry Deposit MIS Interest 0337 Postmaster Chq A/c 0340 Sundry Deposit SCSS Interest 0338 New A/c opening by other Bank’s cheque

0382 Subsequent Deposit in RD and PPF A/c

0017

Deposit Reinvestment 0387 DBT Upload A/c 0410 Pension Upload A/c 0408 Salary Upload A/c 0409 SBI Sundry A/c 0007 SB Charges 0187 PPF Transit A/c 0322 SCSS Transit A/c 0437 ECS Suspens A/c 0098 BO settlement A/c 0339 Money order transfer A/c 0385 Clearing Dr. A/c Inward 0101 PPF Default Fee A/c 0184 RD Default fee A/c 0384 Inward Cheque Return Charges 0195 Outward chq return charges 0196 Outstation Chq Collection Fee 0204 Outstation Chq clearing 0110 Agent Commission(with TDS) 0251 TDS Collected from Agent

Commission 0321

Tax collection against NSS 87 0041 Tax Collection SCSS 0293


According to SB order 12/2015 Maturity value (including death claim) may be transfer to SB Account of the customer only in CBS PO.

According to SB Order 17/2015 all the entries made in clearing Inward/Outward, ECS

Inward/Outward, BO Settlement office account, Sundry MIS/TD/SCSS office accounts and Postmasters Repayment office Accounts (0340) by the user are to be verified by supervisor. For all the entries in office accounts used by users/Supervisors, it will be the personal responsibility of that user and supervisor to be sure that entries are genuine and bonafide.

According to SB order 07/2015 Reinvestment will be done through SB Account only. According to SB order 12/2015 other bank cheque should be first lodged to SB account of

customer except in some cases (RD & PPF) where customer is unable to open SB a/c immediately. How to Check Office Account Ledger –

1. Menu: HACLINQ, Click Go 2. A/c ID: Enter Office Account ID (e.g SOL ID+0340) 3. Change the date from if required. 4. Click Go 5. If any message come “Account ownership invalid” – Click ok and Click Go again.

Taking reports of Office account –

Everyday at evening office accounts transaction reports must be taken, using Menu HACLPOA . Print available using menu HPR.


SECTION -22 MENU SHORTCUT

Topic Purpose Menu Option

CIF

Checking for duplicate CIFs CDEDUP Creating new CIF & Verification CCRC Modification Before Verification CCRC Modification after verification or modification in existing CIF ID

CMRC

Merger of CIF HCCA CIF Search HCRV

SB A/c

Opening a new SB A/c CASBAO Modification Before Verification CASBAOM Verification of new a/c CASBAV Modification after verification or modification in existing A/c ID

CASBAM

Funding of the Account By Cash & Verification CTM Funding of the Account By A/c Transfer & Verification CXFER Printing of Pass Book HPBP Closing of Account & Verification HCAAC Find out the new account no. for old account no. CNAC Changing the status of the customer from Minor to Major Report

HCBM

Print spooled reports HPR Account Transactions Inquiry HACLI Account Balance Inquiry HACCBAL Account Details Enquiry HACCDET

Inventory Management

Add Inventory & Verify HIMC Selecting SO SOL ID for Transferring Inventory by HO HCCS Split Inventory Own Location HISAI Split Inventory Other Location HISIA Merge Inventory Own Location HIMAI Merge Inventory Other Location HIMIA Inventory Status Report HISR Inquire Inventory (Between Locations – Movement) HIMI Inquire Inventory (Particular Location – Available) HIIA

Cheque Book Issuance

Issue Across the Counter Cheque Book & Verify HICHB Enquiry of Cheque Book HCHBI Enquiry of A/c with Cheque No. HINQACHQ

Lien Maintenance

Marking / Removing Lien on A/c & Verify HALM

Freezing A/c Freezing / Unfreezing A/c and Verify HAFSM

Stop Payment Marking / Revoking Stop Payment of Cheque HSPP Verifying Marking / Revoking Stop Payment of Chq HSPPAU Stop Payment Report HSPRG



Standing Instructions

SI Creation & Verify HSSIM SI Inquiry HSSII SI Reports HSIREPTS SI Register Print HSIRP SI Advice Print HSIADVC

Vault Transactions

Teller cash balance position – Own HTCPI Teller cash balance position – Any Teller HTCPIAE Vault Transactions Entering, Posting & Verifying HTM Transaction Inquiry by Tran ID HTI Teller Transaction Wise Cash Report - Own HSCWRPT Teller Transaction Wise Cash Report – Any Teller HSCWRPTA See scheme-wise reports HFINRPT

Office Accounts

Inquire on Transactions HIOT Postings into Office Accounts Basic and Office Accounts Pointing & Verification

HTM

Ledger Inquiry – Office Accounts HACLINQ Printing of Office A/c Ledger HACLPOA

Term Deposits

Open TD A/c CMISAOP Modify TD a/c before verification CMISAOPM Verify new TD A/c CMISAOPV Modify & Verify existing TD A/c CMISAM Funding TD a/c by Cash CTM Funding TD A/c by Transfer HXFER

TD Renewal History HRENHIST TD Transaction History HTDTRAN Printing Pass Book HPBP Extension of TD A/c & Verify HTDREN Close TD A/c HCAACTD Verify closure of TD A/c HCAACVTD Enquire Details of a TD A/c TDINQ Payment Closure Proceeds by Cash HCASHPND

MIS

Inquiry on holding amt of an existing MIS A/c holder CLIMIT Open MIS A/c CMISAOP Modify MIS a/c before verification CMISAOPM Verifying new MIS A/c CMISAOPV Modify & Verify existing MIS A/c CMISAM Inquiry into Old Sanchay Post Transactions TIPM Extension of MIS A/c & Verify HTDREN Close MIS A/c HCAACTD Verify closure of MIS A/c HCAACVTD Inquire on MIS Interest in Sundry A/c HIOT Payment of MIS Interest by Cash HTM



SCSS

Open SCSS A/c CSCAOP Modify SCSS A/c before verification CSCAOPM Verify new SCSS A/c CSCAOPV Modify & Verify existing SCSS A/c CSCAM Close SCSS A/c HCAACTD Verify closure of SCSS A/c HCAACVTD Extension of SCSS A/c & Verify HTDREN TDS Inquiry and Print HTDSIP TDS Customer wise report generation HTDSREP

RD

Open New RD A/c CRDOAAC Modify RD A/c before verification CRDOAACM Verify RD A/c Opening CRDOAACV Modify & Verify existing RD A/c CRDACM Pass Book Printing HPBP RD A/c Installment Deposit & Verifying CRDP Check Pending Installment HPLIST Extension of RD A/c & Verify PRDCM Close RD A/c & Verify CRDCAAC

NSC / KVP

Open New NSC CMISAOP Modify NSC before verification CMISAOPM Verify new NSC CMISAOPV Printing of Certificate HDRP Printing of Duplicate Certificate HDUDRP Modify existing NSC / KVP A/c CMISAM Closing NSC & KVP A/c and Verifying (Individual) CSCCAAC Closing NSC & KVP A/c and Verifying (Bulk) CNSBCV NSC/KVP Certificate Transfer and Verifying HCCA A/c Maintenance Inquiry TDINQ

PPF

Open PPF A/c CPPFAO Modify PPF A/c before verification CPPFAOM Verify new PPF A/c CPPFAV Modify existing PPF A/c CPPFAM Funding of PPF A/c & Verifying CPDTM Withdrawal from PPF A/c & Verifying CPWTM Extension of PPF A/c & Verifying HCEXTN Closure of PPF A/c and Verifying HCAAC Zeroise interest for Transfer-out a/c HINTTM Transactions Upload to Transfer-in a/c CTUPLD CBS to CBS Transfer A/c HACXFSOL RD Loan A/c closure & verification CAACLA



RD Loan Open RD Loan A/c CAOLARD Modify RD Loan A/c before verification CAOMLARD Verify new RD Loan A/c CAOVLARD Modify existing RD Loan A/c CACMLARD RD Loan disbursement LARDD RD Loan Repayments – Unscheduled HLAUPAY RD Loan Repayments – Scheduled HLASPAY RD Loan A/c Payoff & Verification HPAYOFF

PPF Loan

Open PPF Loan A/c CLPPFAO Modify PPF Loan A/c before verification CLPPFAOM Verify new PPF Loan A/c CLPPFAOV Modify existing PPF Loan A/c CLPPFAM PPF Withdrawal, Loan Disbursement and Interest Recovery

CPWTM

Repayment of PPF Loan CPDTM Before PPF Loan A/c closure CLPR and

HACINT Closure of PPF Loan A/c & Verify HCAAC

Outward Clearing

Lodge Instruments at SO / HO Level HOMSO Report generation for cheques lodged by SO / HO HOMSOEX File download of SO by HO HTRFTOPC File Upload by HO HCLUPLD O/w Zone – Open, Suspend, Release to Shadow Balance, Regularize

HMCLZOH

O/w clearing cheques lodging in the zone HOCTM Lodged O/w Clearing cheques bulk verification HOCTV Print Outward Clearing Schedule HPCLSO Inquiry of Lodged Cheques HIOCLS Marking certain cheques pending in a zone HMARKPEN Revoke pending status of the cheques HREVPEND

Inward Clearing

I/w Zone –Open, Suspend, Validation Run, Post, Close HMICZ Upload I/w Clearing File HRMI Verify and Post I/w Clearing records, Return Marking HICTMO Print Inward Clearing Dump HPICW Report of I/w clearing rejects HREJREP

Outstation Cheque

Collection

Lodge & Realize / Dishonour OCC & Verify HIRM Enquire on remittances HINWREMI

Agent Portal Create Agent ID & Verify HDSAMM Post Agent’s Transactions & Verify HAGTXP



EOD / BOD Process

Check Unverified Financial Transactions HFTI Check Un-authorized Functions HAFI All pending activities report – By SO HSVALRPT SOL Change of Operating Date – By SO HSCOD Check SOL Status –by HO HSSI SOL Closure Operations – Run By HO by Sol Set ID HSOLCOP SOL Closure for Last Day – Run by HO HSCOLD

NSS

Withdrawal Transactions CTM or CXFER Amend Nomination Details & Verify HACM Recover TDS before Closure HCACC Closure of NSS A/c & Verify HCAAC Removal of Freeze & Verify HAFSM Inquire NSS92 original deposit amount (Free Text 12)

HACM_MIS Codes

IEnquire NSS Form 15G / 15H update (Free Code 9) HACM_MIS Codes

Discontinued Scheme

Payment of Principle Amount & Verify HTM Payment of PMI Amount & Verify CTM or CXFER

Memopad Create Memopad HMEMOPAD Verify Created Memopad HMPAU

Exceptional A/c

Change of Scheme & Verify HACXFRSC

Signature Signature View IES

Menu Shortcuts for Important Reports

Function Report Description Menu Shortcut Reports View / Print System Generated Reports HPR Reports View / Print Customised Reports HFINRPT Clearing Inward Clearing Dump HPICW Clearing Print Outward Clearing Dump HPWO Clearing Print Inward Clearing Returns Advice / Report HREJREP Stop Payment Stop Payment Register HSPRG SI Standing Instructions Report HSIREPTS Cash Cash Transactions done by Teller(Shroff) HSCWRPT Transactions Financial Transactions Report HFTR Exceptions Exceptions Report HEXCPRPT TD / MIS / SCSS / RD A/c Balance Details HACDET Office Accounts Ledger Prints HACLPOA Savings Accounts Minor Turned Major Report HCBM EOD All pending activities report HSVALRPT


- Important Inquiry Options -

Purpose Menu Option Duplicate CIF CDEDUP Accounts Linked to a CIF HCRV Transactions in a customer a/c HACLI Transactions in office a/c HACLINQ Find out the new account no. for old account no. CNAC Inquire Balances in the customer a/c HACCBAL Inquire general details of customer a/c HACCDET Inquire Inventory (Between Locations – Movement)

HIMI

Inquire Inventory (Particular Location – Available) HIIA Inquiry of Cheque Book HCHBI Inquiry of A/c with Cheque No. HINQACHQ Inquire on Transactions in Office Accounts HIOT Term Deposits Transaction Details HTDTRAN Inquiry into Old Sanchay Post Transactions TIPM A/c Maintenance Inquiry HACITD Standing Instruction Inquiry HSSII Particular transaction inquiry with Tran ID HTI Teller cash balance position – Own HTCPI Teller cash balance position – Any Teller HTCPIAE Search existing customer and accounts HACS Inquiry of lodged outward clearing cheques HIOCLS Enquire on remittances HINWREMI Inquire Status of Financial Transactions (E/P/V) HFTI Enquire NSS92 original deposit amount (Free Text 12)

HACM_MIS Codes

Enquire NSS Form 15G / 15H update (Free Code 9) HACM_MIS Codes


Important Scheme Codes

Product Scheme Code Particulars SB A/c SBBAS Basic Savings A/c

SBCHQ General – With Cheque Book SBGEN General – Without Cheque Book SBPEN Pensioner – With Cheque Book SBPWC Pensioner – Without Cheque Book

MIS A/c MISN1 Monthly Income Scheme – Normal NSC NSC81 NSC VIII – Rs. 100

NSC82 NSC VIII – Rs. 500 NSC83 NSC VIII – Rs. 1000 NSC84 NSC VIII – Rs. 5000 NSC85 NSC VIII – Rs. 10000 NSC91 NSC IX – Rs. 100 NSC92 NSC IX – Rs. 500 NSC93 NSC IX – Rs. 1000 NSC94 NSC IX – Rs. 5000 NSC95 NSC IX – Rs. 10000

RD A/c RDIPN Recurring Deposit - Normal SCSSS A/c SCSCM Senior Citizens Savings Scheme

SCDEF SCSS – Retired from Defence SCVRS SCSS – Voluntary Retirement

TD A/c TDIP1 Term Deposit for 1 Year TDIP2 Term Deposit for 2 Years TDIP3 Term Deposit for 3 Years TDIP5 Term Deposit for 5 Years

RD Loan LARD Recurring Deposit