INDEX

S.NO. 1 2 3 4 5 6 7 8 9 10 11 12 13 14 TOPIC CIF CREATION DEPOSIT ACCOUNTS POSTING RESTRICTIONS, HOLDS, STOPS, ETC. TRANSACTION POSTING CLEARING MODULE CASH VALUABLE PAPER INVENTORY SYSTEM (VPIS) BRANCH GENERAL LEDGER (BGL) USER MAINTENANCE/ ADMINISTRATION REMITTANCES (DD/BC/TT/GC/TC) COLLECTIONS AND CHEQUE PURCHASE MISCELLANEOUS LOAN MODULE IN CBS NPA FUNCTIONALITIES IN B@NCS24 PAGE NO. 2 3 8 9 9 11 13 14 16

20 23 28

01.01 CREATION OF CUSTOMER: PERSONAL PUBLIC/STAFF

'Customer Management' CreateCreate Personal Customer

01.02 CREATION OF CUSTOMER: NON-PERSONAL

'Customer Management' CreateCreate Non-Personal Customer

01.03 CUSTOMER MODIFICATIONS OR AMENDMENT IN CUSTOMERS DETAILS

Customer Management Amend Customer Details. The next field is Option. The drop down here offers the following options for modification are available: 1: Customer details 2: Temporary Customer Address details 3: Foreign address details.

4: Identification details (For amending KYC details of customer)

5: Personal details 6: Business details 7: Marketing details 8: Financial details 9: Miscellaneous details 11: Customer CISLA details

01.04 CUSTOMER ENQUIRIES (This enquiry is useful to get all accounts of one customer)
Customer Management Enquiries Search by CIF Number

01.05 SEARCH CAN BE MADE USING OTHER INFORMATION ALSO AS BELOW:

Customer Management Enquiries Search by ID Number Customer Management Enquiries Search by Name

01.06 SEARCH CAN ALSO BE MADE USING Fourth icon from left on
Icon Bar AND ALSO Clicking on Search Button wherever input of Customer number of account number is required

01.07 SEARCH BY MATURITY DATE:

Customer Management Enquiries Search by Maturity date

01.08 ASSOCIATED ACCOUNTS

Customer Management Relationship/Ownership Associated accounts Brief description of the options is as under 0: Linked Accounts-Display of all linked accounts of a customer. 1: Owned Accounts-Display of all Owned accounts of a customer. 4: Marketing Data- Displays Marketing Channel for the customer.

5:Account Holder- Displays CIF number/Names of all Holders of a account. 6:Gaurantor Accounts-Displays guarantors of a account. 7:Treasury-Disabled. 9:All Accounts-all accounts of a customer are displayed. A: Customer details-customer details of the account/customer are displayed B: Financial details-displays financial details of a customer. C: Internet banking account- displays Internet banking accounts of a customer. T: Tax file Number-Disabled CIF Number, Customer Name, Branch Number, Date of birth of customer are displayed.

01.09 Linking of a Customer as Introducer/Nominee to another Customer/Account:

Customer Management Relationship/Ownership Relationships In the field Entity following CIF/Account number choose Customer information Master(Where CIF No.used)/All account based entity(Where A/C No, used)

01.10 Setting up of Joint account :

Step 1. Link account :: Customer ManagementAmendLink CIF to Account (Against Primary System: Enter CIF and Against Link Indicator: Select CIF Link) Step 2.Change Name :: Deposit/CC/OD Accounts & Services Amend Deposit CC/OD account {Option = Account names} Step 3.Mode of operation :: Deposit/CC/OD Accounts & Services Amend Deposit CC/OD account {Option = Mode of operation}

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02.DEPOSIT ACCOUNTS
02.01 Opening of a Saving/Current Account
Deposit/CC/OD Accounts & Services Create New Deposit A/c:

02.02 Opening of a TDR/STDR/RD/MODS/Saving Plus Account

Deposit/CC/OD Accounts & Services Create New Deposit A/c: We get a tabbed five page screen. Apart from the first page Core options, we should also complete the third page Term A/C options.

Term basis

MMDC = Days

TDR Days

RD Months

Term Value Interest frequency

Amount 0 A.Aniversary M.Maturity Monthly/quarterly N.B. (1) In case of S.Plus the Interest options should be given as per the sweep product (TDR/STDR/Mods etc.) and also leave the upper half of the third page blank.
(2) In case of Mods and S.Plus, the authorizing officer should also complete the screen appearing beneath the queue authorisation screen.

Amount M.Maturity

(3) In case of RD, MODS and S.Plus the relevant fields on the third page Term A/C option should also be completed.

02.03 Opening of a PPF Account (Transferred from non core branch)

(i) Deposit/CC/OD Accounts & Services Create New Deposit A/c

Please note (i) Complete page 1 core options as detailed below: 1Fill in the original date of opening of the PPF account.

2Field Bkdt Int Recalc Req: select Y:Yes from the Drop Down Box. 3Acct Sgmt Code . Select 5006: PER - OTHERS {NOT INCL. (IN
PER) ABOVE. Now go the page 4 of the tabbed screen Govt/PPF/Credit Card details. There are 5 Fields in a menu under the heading PPF Back Dated Acc Opening. (ii) Deposit/ CC/ OD Accounts & Services Amend Deposit/ CC/ OD Account In the Field Option: select the option P: Backdated PPF Details. Here we have to input balances in the PPF account as on previous six 31 March.

02.04 Deposit Account Modification

OPTION (a):
Deposit/CC/OD Accounts & Services Amend Deposit/CC/OD Account The next field is Options. The drop down here offers the following options: 1: Account details. Almost all the details (except the product related) details. 2: A/c Corresp. Address Details. Useful for setting up a separate correspondence address for the account. 3: Customer Language A/c Address Det/l. Presently since only one language is supported by the system, this option is non-functional. 4: Overdraft Details. Relevant only for Overdraft accounts 5: Account Names. To assign both a short as well as a set of long names. 6: Bonus Interest Details. This option is presently not being used. 7: Posting Restrictions. Maintain Posting Restrictions. 8: Reporting Restrictions. Certain type of Reporting masks can be put in place.

9: Account Type/Home Branch. For changing the product parameters as well as the defined home branch of an account. 10: TDS Details. Not currently in use. A: Annuity Maturity Details. Applicable only for Annuity cases. B: Mode of Operation. C: Back Dated RD details. Relevant only for RD accounts. P: Backdated PPF Details. Relevant only for PPF accounts. R: Transfer to PB/RD. Currently not in use. OPTION (b): Deposit/CC/OD Accounts & Services Amend Amend Deposit Tabbed Screen Any of the fields in any of the five-tabbed screens can be amended. This is useful if a large number of amendments have to be done.

02.05 Cheque Book Issue

Step 1: Personalisation :: Cheque Book Functions Cheque Book Operations Cheque Personalisation Step 2: Cheque Book Order:: Cheque Book Functions Cheque Book Operations Cheque Book Order Step 3: Issue Cheque Book:: Cheque Book Functions Cheque Book Operations Issue Cheque Book

02.06 Stop Payments of cheque

Cheque Book Functions Set Stop Cheque

02.07 Modify/ Remove Stop Payments

Cheque Book Functions Modify/Remove Stop Cheque

02.08 Set/Remove Cheque facility

Cheque Book Functions Stop Cheques Set/Remove Cheque Facility

02.09 Cheque Books Enquiry

Cheque book functions-> Enquiries->Cheque books by cheque booknumbers

02.10 Closure/ Premature Closure of Deposit Accounts (Credit Balances)

Transaction Posting Deposit/ CC/OD Account Closures Closures (Credit Balance) Transfer (In case it is a premature payment, override screen will appear and supervisors ID/password will be given thereon) Important: If any SI or Sweep exist on the account, first remove it.

02.11 Printing Statement of Account for a Deposit or CC/ OD

Deposit CC/ OD Accounts & Services Enquiry Statement Print

02.12 Statement Request

Deposit CC/ OD Accounts & Services Enquiry Statement Request

02.13 Print Balance Slip

Deposit CC/ OD Accounts & Services Enquiry Print Balance Slip

02.14 DEPOSIT ACCOUNT ENQUIRY(SHORT)

Deposit CC/OD/ Account and ServicesEnquiriesShort

Brief Description of Options available on the screen 1.Normal Details- Displays all details of an account. 2.Overdraft Details- To be used for CC OD accounts. 3.Accumulated Charge details-To be used to know about accumulated charges on the account. 4.Account Statistics details-To be used for statistical analysis of an account. 5.Account Periodic Balances-Gives Monthly balances Held in an account. NOTE: Enter 1 in Display1 for display of Minimum Monthly Cleared
Balances Enter 2 in Display 2 for display of Minimum Monthly Book Balances 6.Debit and Credit Balances: To be used to enquire about Debit Credit Summation for CC accounts NOTE: Enter financial year starting from April in the Year: field. (SCR:00400) 7.Govt Enquiry:To be used for enquiry regarding Primary and Secondary Govt Accounts.

02.15 LONG ENQUIRY :

Deposit CC/OD Account and ServicesEnquirieslong Returns SCR:32001:Deposits Long Enquiry It displays Normal details of an account along with details of last five transaction.

02.16 TRANSACTION ENQUIRY :

Deposit CC/OD/ Account and ServicesEnquiriesTransaction Select transaction of this Type as per the requirement.

Brief Description of Mostly Used Transaction types Transaction Type 99 98 25 Transaction Name
All Financial All Cash Transaction Repayment details

Purpose
For display of Financial transaction only For display of cash transactions only. For display of repayment transaction in

30 31 33 34 40 62 82 90

of CC/OD Stop Transaction Hold transaction Message Details Dishonoured Cheque Details Term Maturity Details Closure Interest Adjustment Fee exemptions Dormant account Narrative

CC/OD A/Cs For display of Stop applied/removal transaction on an account . For display of Hold(Lien) applied/removal transaction on an A/C. For display of Message Setting/Removal transaction on an A/C. For details of dishonoured cheque in an account To be used for Term Deposit Accounts. To be used to enquire about closure transactions. For details of Fee exemptions given on an account. For details regarding Dormancy of an account.

02.17 CORRECTION
All transactions could be corrected (UNDO) in Bancs24 , where on using correction menu original entry is reversed and later correct entry may be posted into the system. This function can be used only on the same day before EOD. NOTE: Trace Number is the Host Trace No. which could be found out through transaction enquiry in the account or through journal enquiry.

02.18 Pending Charge

This option is used when some charge is to be tagged manually for recovery from the account CC/OD ACCOUNT SERVICESCREATEPENDING CHARGE

02.19 TO ENQUIRE ABOUT PENDING CHARGE

CC/OD ACCOUNT SERVICES AMEND PENDING CHARGE Display of Charge amount, status, date and time is displayed.

02.20 Print New Pass Book

Deposits CC/OD accounts->Passbook UpdatesPrint New Passbook pass book

02.21 Update Deposit Passbook

Deposits CC/OD passbook accounts->Passbook UpdatesUpdate deposit

(Precondition:-Passbook must be authorized)

02.22 Reprint Passbook

This option is to be used to reprint the passbook in case it is improperly printed. Deposits CC/OD accounts->Passbook UpdatesReprint Passbook

(Precondition:-Passbook must be authorized)

02.23 Print Duplicate Passbook

Deposits CC/OD accounts->Passbook UpdatesPrint Passbook Print cover only will be by default Y. Put Passbook No as 1 Insert 5 in Group field and click on send to group. Duplicate

02.24 Term Deposit Advice

This menu is used for printing Term Deposit advices. Deposit CC/OD accounts Services Enquiries Term Deposit Advice =============================================

03. POSTING RESTRICTIONS, HOLDS, STOPS, ETC.

03.01 Posting Restrictions at Account Level
Deposit/CC / OD Accounts & Services Amend Deposit/CC/OD Account

Options: Select 7: Posting Restrictions

03.02 Setting Stop/Holds(Lien)/Messege on an account:

1.Deposit/CC/OD Accounts & Services Stops / Messages Set Hold / Lien. 2.Deposit/CC/OD Accounts & Services Stops / Messages Remove 3.Deposit/CC/OD Accounts & Services Stops / Messages Set Stop On Account. 4.Deposit/CC/OD Accounts & Services Stops / Messages Remove Stop On Account 5.Deposit/CC/OD Accounts & Services Stops / Messages Set Message 6.Deposit/CC/OD Accounts & Services Stops / Messages Remove Message (Transaction enquiry menu to be used for searching Journal details of the Hold/Stop transaction. Holds (Lien) / Holds (Lien) / Hold/Lien. Holds (Lien) / Holds (Lien) / Holds (Lien) / Holds (Lien) / No. and other

03.03 Setting up of a Standing Order:

Deposit/CC/OD Accounts & Services Sweeps/Standing Orders Create Standing Order

03.04 Removal / Modification of Standing Order:

Deposit/CC/OD Accounts & Services Sweeps/Standing Orders Create Standing Order (Enter Capital 'S' in the Enquiry/Amend Standing

Order )

03.05 Creation of a Sweep:

Deposit/CC/OD Accounts & Services Sweeps/Standing Orders Create Sweep

03.06 Amend / Deletion of Sweep:

Deposit/CC/OD Accounts & Services Sweeps/Standing Orders Amend / Enquire Sweeps. =============================================

04.TRANSACTION POSTING
04.01 Cash Payment from DEPOSIT Account by Voucher:
Transactions posting Deposit/CC/OD Accounts Payments Cash

04.02 Cash Receipts into Deposits Account:

Transactions Processing Deposits/CC/OD Accounts Receipts Cash

04.03 Cash Payment by Cheque from Deposit Account

Transactions Posting Deposits/CC/OD Accounts Payments Cheque

04.04 TRANSFER by Cheque from Deposit Account

Transactions posting Deposit / CC / OD Accounts Transfers By Cheque to Deposit

04.05 Transfer Transaction in Deposit Account by Voucher

Transactions Processing Deposit/CC/OD Accounts Transfers By Voucher to Deposit/ Loan

04.06 Batch Transactions Transfer Batch

Batch Transactions Batch Entry Screen (In function field choose appropriate option)

1.Field Check for Supervisor Overrides: Click in the box (This will enable
Supervisor overrides and facilitate for on-line authorisation by the supervisor for each transaction, wherever needed).

2.Field Txn Base: Select appropriate nature of transaction from the pull

down menu.

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05.CLEARING MODULE
05.01 Outward Clearing:
Session in CBS = Clearing Type + Clearing Date

Lodging Date: date on which instruments are being lodged; normally it is

the System Date and also the customers account is credited on this date.

Posting Value Date: This is the effective date of credit (Amount eligible for
interest calculation) and Cheques would be presented in Clearing House

Clearing Date: this is the date on which a particular Batch would be cleared
or Customers uncleared balance will move to clear balance on this date)

Various entries to be passed in Core Banking under Outward Clearing are: At the time of Lodging: 1. Dr. Outward Clearing Suspense(98544) A/c and Cr. Customer A/c (Unclear Funds) (System-generated, Transaction.) On the day of Realisation: 2. Dr. Br Clg Gen A/C(98611)(Sch No 4) Cr. Outward Clearing Suspense A/c. (Manual Entry) When a Cheque is returned: 3. Dr. Customer A/c and Cr. Outward Clearing
Suspense A/c and also Dr. Customer A/c and Cr. Commission A/c(Returning charges, if any) (Both are system-generated entry) 4. Dr. Outward Clearing Suspense A/c and Cr. Br Clg Gen A/c (Manual Entry)

05.02 Flow of Activities in Outward Clearing

Stage I: Session Opening
Maintenance session) Deposit

:: Clearing Outward Clearing Session

(Action =

Open

Stage II: Cheque Deposit :: Clearing Outward Clearing Cheque Stage III: Close Session :: Clearing Outward Clearing Session
Maintenance

Stage IV: Extraction :: Clearing

Maintenance

(Action = Closes session) Outward Clearing Session

(Action = Extract) Stages to be performed on the receipt of TR advice (Day 2 or Day 3): Stage V: Mark Return :: Clearing Outward Clearing Mark Return Stage VI: Clear Batch :: Clearing Outward Clearing Session
Maintenance

(Action = Clear Batch)

05.03 Report
Report Branch O/W clearing report(For cheque-wise and Bank-

wise reports) Reports Initiate request to HOST (SCR: 031239) Report Ids : SY0324: Instrument type-wise lodged in Clearing, SY0325: Bank-wise instruments lodged in Clearing and SY0330 Bank wise slips

05.04 Holiday Processing: Menu : Clearing -- Outward Clearing -Holiday Processing.

05.05 Enquires
Clearing Outward Clearing Enquiries Clearing Session enquiry) Clearing Outward Clearing Enquiries Cheque enquiry

05.06 INWARD CLEARING:

(a) Menu: Batch transaction Batch Entry Screen Field Function: select Inward Clearing Batch Select: CAS: Manual Cheque Presentation for the customers accounts or select SCR:020071: Remittances (DD/BC/GC/TC) for remittance payment

Various entries to be passed in Core Banking under Inward Clearing are:

At the time of Posting of cheque: 1. Cr. Inward Clearing Suspense A/c(98543) and Dr. Customer A/c (System-generated, Transaction.)(If posted to a/c) 2. Dr. OLRR Suspence A/c(98557) and Cr. Inward clg. Susp.A/c (Systemgenerated, Transaction.)(If unable to post to a/c)
On receipt of TR: 2. Cr. Br Clg Gen A/C(98611)(Sch No 8) Dr. Inward Clearing Suspense A/c. (Manual Entry)

(b) For failed instruments go to Batch search:: Batch transaction

Batch Search

(c ) For OLRR enquiry go to :: Clearing Inward Clearing

Presentation Online Rejection and referral Enquiry To honour the Failed Instruments: Choose the User action as Manual Posting The system passes the entry for debiting the customers account and crediting to OLRR suspense account (Reversal of OLRR entry)

05.07 To dishonor the Failed Instruments: Choose the User action field

as Dishonor The System passes the entry for debiting the OLRR dishonor account (BGL account No. 978575) and reverses the OLRR Suspense account. The user has to manually reverse the OLRR dishonor account with the Transfer Responding Advice or Counter Return Instrument.

05.08 When any instrument is to be dishonored individually, the

menu path is,

Clearing Inward Clearing Dishonor Cheque Dishonor.

It will debit the OLRR- Dishonor a/c and credit the Inward Clearing Suspense account. ======================================================

06. CASH
06.01 Open/Close Cash Drawer
Transaction Posting->Cash Maintenance->Open/close Cash Drawer

06.02 Issue of cash by Custodian to Cash Officer

Cash vault transactions Custodian to cash officer

06.03 Receipt of cash by Cash Officer

Transactions Posting Cash Maintenance Exchange Cash Receive Cash from Teller (Click on Refresh button)

06.04 Issue of Cash by Cash Officer to Teller

Transactions Posting Cash Maintenance Exchange cash Issue Cash to Teller.

06.05 Receipt of Cash by Teller

Transactions Posting Cash Maintenance Exchange Cash Receive Cash from Teller (Click on Refresh. Click on Accept)

06.06 Cash swap

Transactions Posting (Denomination Exchange) Cash Maintenance Cash Swap

06.07 View Cash Drawer

Transaction Posting->Cash Maintenance->View Cash Drawer

Click on refresh button

06.08 Cash Officer to Custodian

Cash vault transactions Cash officer to Custodian

06.09 Close Cash Drawer by Teller and Cash Officer

Transactions Posting Cash Maintenance Exchange Cash Open and Close Cash Drawer (Click on INR to select the currency. Click on

Reconcile Currency. The Currency reconciled status will become Yes. Now click on Close Cash Drawer)

06.10 To view position of cash drawers of all the users by the cash officer
Reports Cash Related View Cash Summary (Click on Fetch)

06.11 Viewing Pending Cash acknowledgement

Reports cash related View Pending Cash Acknowledgment

06.12. Viewing Pending Cash transactions

Reports cash related View Pending Cash Transactions

06.13 Forced closure of cash drawer by cash officer

Cash Administration Close Cash drawer by Cash Officer

06.14 Cash issue cancel by cash officer

Cash Administration Cash issue cancel by Cash Officer

06.15 Acknowledgement of cash receipt by Custodian

Transactions Posting Cash Maintenance Exchange Cash Receive Cash from Teller (Click on Refresh).

06.16 Closing of Cash by Custodian

Transactions Posting Cash Maintenance Exchange Cash Open and Close Cash Drawer

06.17 Branch Reports

Branch Reports Cash Officer's Jotting Book Report First save all the 5 reports on the branch server and than print these reports. (Jotting Book Report I/Jotting Book Report II/ Vault Transactions Report/ Hand Balance Report/ Check total report)

06.18 Switching of Vault Teller

The Cash Officer should go thro this menu to effect the change in the system: Cash Administration Switching of Vault Teller IMPORTANT - Please ensure that: (a) both (Incoming/Outgoing) vault tellers are signed off and (b) The new vault teller MUST open his cash drawer as well as VPIS after the switch on the same day before EOD.

06.19 At the end of day, all Tellers take a print of the report of their cash transactions.
Reports Printing Reports Cashier/Teller Cash Report

============================================= ====

07. VALUABLE PAPER INVENTORY SYSTEM (VPIS)

07.01 Receipt of inventory by Vault Teller
VPIS Inventory Maintenance. The Inventory sub category for all cheque books are 01 for Order and 02 for Bearer, and for Demand Drafts it is: 01 but for all others: same serial number as appearing in category field.

07.02 Release of Security Forms:

VPIS Inventory Maintenance.

Function should be amend and make the status as release.

07.03 Checking of inventory status:

VPIS Enquiry of VPIS General Enquiry '

07.04 Issue/Acknowledgement of inventory to/by Teller

VPIS Issue of Inventory (for issue of inventory) VPIS Acknowledgement of Inventory by Teller(for acknowledgement of inventory)

07.05 VPIS Batch Processing

VPIS VPIS Batch Processing VPIS Batch Prompt. (If the Vault Teller want to issue/acknowledgement or return > 50 cheque books/security forms at a time.

07.06 Return of Inventory and acknowledgement of returned inventory by Teller

VPIS Return of Inventories.

Acknowledgement of Returned Inventories by Vault Teller VPIS Acknowledgement of Inventory by Teller .

07.07 Lost/Damaged/Cancelled Inventory

VPIS Lost/Damaged/Cancelled Inventories.

07.08 Unknown inventory

VPIS Enquiry General Enquiry Choose option Enquire, under Status, choose Unknown.

07.09 VPIS Teller Level Enquiry

VPIS Enquiry of VPIS Teller level Enquiry

07.10 Split/Merge Transaction For VPIS

This menu has been provided for splitting and merging of VPIS created at the Branch. VPIS Split/Merge transaction for VPIS

08. BRANCH GENERAL LEDGER (BGL)

08.01.Enquiry/Amend Branch Clearing Transactions
This option is used to generate Branch Clearing Schedule when the schedule is not generated while posting Branch clearing transactions. Branch accounting (BGL)->Create/Amend-> Enquiry/Amend Branch Clearing transactions

08.02.BGL Account Enquiry

Branch Accounting (BGL) Enquire Account (SCR:032013)

08.03.Account Number Search

Branch accounting(BGL)->Enquiry->Account Number Search

08.04.BGL Transaction Enquiry

Branch Accounting (BGL) Enquire Transaction

08.05.Branch Clearing Schedule Detail Enquiry

Branch Accounting (BGL) Enquire Branch Clearing Schedule Detail Enquiry

08.06.Branch Clearing Enquiry For Reconciliation

Branch Accounting (BGL) Enquire Branch Clearing Enquiry for reconciliation

08.07.Branch Schedule Total Enquiry

Branch Accounting (BGL) Enquire Branch Schedule total Enquiry

08.08.Transactions In BGL Account:

This is used for crediting BGL accounts as in the case of Inward Cash Remittance.

Branch Accounting (BGL) Credits Cash Posting

08.09.Cheque Deposit (Credit) In BGL Accounts.

Branch Accounting (BGL) Credit Cheque Deposit

08.10.Single Sided Credit Posting In BGL Accounts.

This menu is to be used in exceptional cases.
Branch Accounting (BGL) Credits Credit Posting

08.11.Cash Posting (Debit) In BGL Accounts.

This is used debiting BGL accounts through cash e.g.Outgoing Cash Remittance and for ATM cash replenishment. Branch Accounting (BGL) Debits Cash

08.12.Single Side Debit Posting In BGL Accounts

This menu is to be used in exceptional cases. Branch Accounting (BGL) Debits Debit Posting

08.13.Transfer Transactions In BGL Account

1Branch Accounting (BGL) Transfer Intra Branch (used for the fund transfer between two BGL accounts) 2Branch Accounting (BGL) Transfer Deposit to G/L 3Branch Accounting (BGL) Transfer G/L to Deposit 4Branch Accounting (BGL) Transfer CC/OD to G/L 5Branch Accounting (BGL) Transfer G/L to CC/OD 6Branch Accounting (BGL) Transfer G/L to Loan Account

08.14 BGL Reconciliation Transactions

Branch Accounting (BGL) Reconciliation Reference Number Search Branch Accounting (BGL) Reconciliation Reconciliation Enquiry

08.15 For BGL/CGL cash entry rectification

Branch Accounting (BGL) Cash BGL Rectification Debit Loan or

08.16 For Batch/Technical suspense account rectification

Branch Accounting (BGL) Batch/Technical Rectification Others Debit Loan or

================================================

09. USER MAINTENANCE/ ADMINISTRATION

09.01. Users Logged In: (To view the list of users logged on to the
Branch) User/System Administration --> Enquiry --> User Enquiry

09.02. Users Forced Closure: (To log out a specific user from the
system) User/System Management--> Changes --> User Forced Closure

09.03. Change User Status: (When a Teller goes on leave)

User/System Management Changes Change User Status

09.04. Change User Type: (When a user gets promotion / officiating)

User/System permanently Management Changes Change User Type

09.05.User Sign-On Reset: - (To Reset the User ID)

User/System Management -> Changes -> User Sign-On Reset

09.06.Change sign-on Branch Permanently:

- (When teller is transferred or deputed to other branch) User/System Management-> Changes -> Change Sign-On Branch Permanently

09.07.Change Time Limit: User/System Management -> Changes -> Change Time Limit

09.08.Change Capability Level:

User/System ManagementChanges Change Capability Level

09.09.Change Password: User/System Administration -> Changes -> Change Password

====================================================================== ====

10. REMITTANCES(DD/BC/TT/GC/TC)
10.01. Issue of DD against receipt of Cash:
Inland Rupee Remittance Receipt of Funds Through Cash.

Please note this Journal number on the voucher. Inland (Rupee) Remittance Issue Single remittance - DD, BC, GC Enter the Journal Number that was generated while receiving the funds.

10.02 Issue of Multiple DD/BCs against Transfer from Deposit Account:

Inland Rupee Remittance Receipt of Funds Transfer from Deposit Account. Inland (Rupee) Remittance Issue Multiple Remittances - DD, BC, GC.

10.03. Payment of DD by Cash:

Inland (Rupee) Remittance Payment Other Remittances Cash

10.04. Issuance of a Duplicate DD

Inland (Rupee) Remittance Issue Single Remittance DD, BC, GC Insert the original Journal that was generated while receiving funds. Set the Duplicate Flag to Y Yes. Set the Indemnity Rec Flag to Y or N as the case may be. Set the Charges Rec Flag to Y.

10.05 Payment of BC to Deposit Account:

Inland (Rupee) Remittance Payment Other Remittances DD, BC, GC To Deposit Account For Migrated bankers cheque the prefix is BCXXXXX (XXXXX is the Branch code)

10.06 Cancellation of BC:

1.Inland Remittance Payment Other Remittances DD, BC, GC To Deposit A/c. Set the Cancellation Flag to Y:Yes from the Drop Down Box.

10.07 Revalidation of Bankers Cheque

Step 1: Inland (Rupee) Remittance Enquiries Other Remittances
Note the Journal No. and date of issue. Step 2:Inland (Rupee) Remittance Issue Single Remittance BC, DD, GC Against Revalidate, choose Y. Against Charges Recovered, choose Y. (Please recover charges separately). Step 3:Inland (Rupee) Remittance Payment Other RemittancesDD, BC, GC Cash or To deposit A/C. Against Revalidated, choose Yes and in the Field Reval Date key-in the date of revalidation,

10.08 TT ISSUE/STEPS
Stage 1: Inland Rupee Remittance Receipt of Funds Through Cash.
Please note this Journal number on the voucher. Stage 2: Issue of TT: Inland (Rupee) Remittance Issue TT. (Select the instrument type as Telegraphic transfer in case of TT and 1.etransfer in case of STEPS from the Drop Down Menu.)

10.09 STEPS PAYMENT

For incoming STEPS the beneficiarys account is credited automatically without any manual intervention, if the incoming STEPS has the B@ncs24 account No., but if it bears the Bankmaster account No, then the amount is credited to System Suspense BC to be issued Account. For this the user has to go to STEPS Enquiry to get the details. The User has to pass the necessary entries. Inland (Rupee) Remittance Enquiries STEPS Enquiry eTransfer

10.10. T Payment - Payment of TT by credit to Deposit Account:

Inland (Rupee) Remittance Payment TT Telegraphic Transfer Payment to Deposit A Reference No will be generated by the system. Note the same on the voucher. Inland (Rupee) Remittance-> Payment-> TT Telegraphic Transfer -> Reversal of IBIT Field Reference No: input the reference number generated earlier.

10.11 Enquiry of a Remittance Transaction:

Inland Rupee Remittances Enquiries Other Remittances.

10.12 Changing the Status of a Remittance Instrument:

Inland Remittance (SCR:021026) Status Change Other Remittances

10.13 To report a Lost Remittance Instrument DD/ BC:

Inland Remittance Status Change Lost Reporting (SCR:020412)

10.14 Fee Enquiry

Inland (Rupee) Remittance Enquiries Fee Enquiry

10.15 RBI SEFT

This menu has been provided to enquire all the RBI SEFT entries of the Branch. Inland (Rupee) Remittance Enquiries Steps Enquiry RBI SEFT

10.16 Travelers Cheque Enquiry

Inland (Rupee) Remittance Enquiries Travellers Cheque

11. COLLECTIONS AND CHEQUE PURCHASE

11.01 LODGING an SC:
Collection and Cheque Purchase Initiation SC Cheque Deposit (Collection)

11.02 Realisation Of SC/DD:

Collection and Cheque Purchase Realisation RealisationDishonour-Charges. Against Type: Select from the drop down menu, appropriate option:

1.For SC realized through IBIT: select:1:Credit without Advice 2.For reversing IBIT entry :select :2:SCWA(Releasing SC Without Advice) 3.For SC being realized on receipt of the advice: Select 3:SC Realisation 4.For DD being realized on receipt of the advice: Select 4:DD Realisation 5.For payment of interest for delayed period: Select 5:Intt for delayed period 6.For recovering CHARGES of SC or DD: Select 6: Charges 7.If less amount is realised : Select 7:Adjustment of less realisation

11.03 How to find out the Reference Number

IBIT A/c Pending Receipt of TR (BGL account no. 98621)was debited when the SC was credited before receipt of advice. The reference number can be traced from the following menu for reversal of the IBIT entry: Branch Accounting (BGL) Reconciliation Reference Number Search

11.04 DD Purchase:
Collection and Cheque Purchase Initiation Cheque Purchase (DDP) to Cash Holding Account Number Field should be '0' (0 in the case of stray DDPs, and the relevant Liability Account No. in case of Sanctioned Limits).

Or

Collection and Cheque Purchase Initiation Cheque Purchase (DDP) to Account

11.05 Realisation Of DDP

Collection and Cheque Purchase Realisation Realisation Dishonour - Charges

11.06 Adjustment for Less Realisation

Collection and Cheque Purchase Realisation Realisation Dishonour - Charges Against Type, select 7:Adjustment for Less Realisation The amount by which the DDP is less realized will be displayed automatically, together with the customers account number.

11.07 SC/DDP Enquiry

Collection and Cheque Purchase Enquiries Enquiries

11.08 Collection batch:

where for more than one instruments lodged for SC/DDP, a single Advice may be received. In such cases this collection batch is used. Collection and Cheque Purchase Realisation Collection Batch

11.09 Correction:
This menu can be used for reversing the entries put through on the same day. This is available as sub menu. The user has to key in all the relevant particulars including the TRACE NO of the original transaction which is to be reversed; it must be the replica of the original transaction which is to be reversed. . The Trace No can be found from the Transaction enquiry.

11.10 Related accounts:

Branch Clearing General A/c - 98611XXXXXC Charges A/c P&T - 98048XXXXXC IBIT A/c pending receipt of TR 98621XXXXXC DDP Cheques - 98644XXXXXC (X: Branch Code-5 Digit, C: Check Digit) The last digit as you know is the check digit. This can be found by accessing the menu: General Enquiries Display Check Digit. ====================================================================== ====

12. MISCELLANEOUS
12.01 File upload
In B@ncs24, there is a provision for processing the bulk data called as TRICKLE FEED processing. Under this the branch can upload the file (Which has to be in a specified format) and the file will be processed at CDC. This menu is available with User Type 40/50/60. The user has to go to Branch Administration File Upload Screen

12.02 Minimum Balance Adjustment

Deposit/CC/OD Accounts & Services Enquiries Short Select the option as, 5:Account Periodic Balances. In Display 1 field, give 1 The Minimum Balance is shown against the field, Current Period. Now, to amend the minimum balance stipulation the user has to go to: Deposit/CC/OD Accounts & Services Interest Adjustments) Minimum Balance Adjustment In the Minimum Balance Adjustment, give the minimum balance to be updated.

12.03 Update Average Balance Adjustment

Deposit/CC/OD Accounts & Services Enquiries Short (SCR:

000400)

Select the option as, 5:Account Periodic Balances In Display 3 field, give 3 (3 for enquiring Minimum Monthly Cleared Balances) The Average Balance is shown against the field, Current Period. Deposit/CC/OD Accounts & Services Interest Adjustments (SCR: 000741) In the Minimum Balance Adjustment, give the minimum balance, required to be updated.

12.04 MAKER/CHECKER FUNCTIONALITIES

In B@ANCS24, the Maker/Checker functionalities are invoked based on the transaction amount, transaction type or where there are some exceptions.

12.05 Supervisory Override:

Here a Supervisory Override screen with the reason for the Override along with the Supervisor ID/Group Capability displays with a mandatory field. Following three options are available, which can be judiciously used by the User:

SEND TO GROUP

If the User wants to send to the Group, he has to give the Group number (as displayed in the Minimum capability required to override this error) in the Supervisor ID/Group Capability field and Click Send to Group

SEND TO SUPERVISOR
If the User wants to send to a particular Supervising User, he has to give the Supervising Users ID in the Supervisor ID/Group Capability field and Click Send to Supervisor

LOCAL SUPERVISOR

If the Supervising User comes to the posting Tellers node, he can give the Supervising Users ID in the Supervisor ID/Group Capability field and his Password in the field, Password (local override only). Then Click Local Supervisor.

12.06 BRANCH CALENDAR

Branch Administration Branch Calendar
System: BRH: Branch Holiday and Calendar Code: 10BBBB The Date Codes have to be filled in as WW for Working Day and HH for Holiday

12.07 Image Maintenance

Image Maintenance Upload Images

12.08 ACCESS IMAGES

Image Maintenance Access Images Image Maintenance Modify Mandate

12.09 Retrieve Officer Signature

Image Maintenance Retrieve Officer Signature

12.10.GENERAL ENQUIRIES
General Enquiries Normal and Last Transactions (SCR:069440: CIF Generic Long Enquiry)
This is a common Long Enquiry screen where accounts from any of the Deposits, Loans and BGL modules can be enquired by giving the Account Number.

General Enquiries Transactions (SCR: 069450: CIF Generic Transaction Enquiry)

This is a common Transaction Enquiry screen where accounts from any of the Deposits, Loans and BGL modules can be enquired by giving the Account Number.

General Enquiries Display Check Digit (SCR: 009022 Display Check Digit)
This menu enables a User to find out the Check Digit (11th digit in CIF/Acc) for CIF/Account Numbers.

General EnquiriesBranch Enquiry (SCR: 031246 CIF: Branch Attributes Enquiry)

This enquiry menu helps the user to find out branch details by using anyone or more of the following filters, Branch Code Branch Short Name Corporate Office Code Circle Code Network Code Module Code Region Code The system displays the branch code, Branch Short name, STD code, Phone

Number and IP Phone Number

General Enquiries Old New Account/Customer Number (SCR:069018 Old/new Reference Enquiry) Note: While searching for new CIF Number, the user has to give the Customer number of Bankmaster in 6 digits. ===============================================================

13.LOAN MODULE IN CBS

13.01 HOW TO OPEN A CC OR OD ACCOUNT
Keep the following details ready before start the work in B@ncs24. Product Type Sub Type Limit Rate of Interest (in case of SET RATE) Expiry Date of Limit Segment code Activity code Scheme code

Step 1: Opening of CC/OD account::Select 'Deposit/CC/OD Accounts & Services' Create New Cc/ OD Account. In the System Field,
select CCO:Create CC/OD Account. Note the account number for future reference. Create CC / OD Limit and Details.

Step 2. Setting up CC Limit:: Select Deposit/CC/OD Accounts & Services Step 3. Limit Approval::Deposit/CC/OD Accounts & Services CC/OD
Processing CC/OD Approval.

Step 4. CC/ OD Acceptance Transaction:: Deposit CC/ OD Accounts &

Services CC/ OD Processing CC/ OD Acceptance.

Step 5. Creating SDV/SC Account(In case of loan against paper based security) :: SDV/SC Account opening SDV/SC
(A/C Type = 2.Safe custody and Sub Type = 0200 Safe custody collateral

Step 6. Creation of Security for CC/OD Account:: DL/ TL Accounts &

Services Security (Primary/ Collateral) Customer Create Create Security

Please note the Collateral Number for future use. Step 7. Authorisation of collateral :: select DL/ TL Accounts & Services
Security (Primary/ Collateral) Customer Amend/ Enquiry Amend/ Enquire SecurityAuthorise security.

13.02 CREATING A DL/TL ACCOUNT

Keep the following details ready before start the work in B@ncslink_c3

Key Particulars
Account Type Sub Type Loan Amount Loan Term (in Months) (Inclusive of Moratorium) Segment Activity Code Scheme Code

Details

After the loan is approved and Disbursement Schedule & Repayment Schedule is set up, loan can be disbursed. Other actions must, however, be done later in the day.

1.Entry into Loan Tracking: 'DL/TL Accounts & Services - Loan Tracking new account Tabbled put account no/cif no.-Transmit. Product no..,Subproduct no.,Application amt Segment no.0706,loan term(in month) On Header Miscellaneous1.Facility-0-----------transmitOpen next page-Activity code----,Scheme code---,Refinancing Institution-not ref., Refinancing reqd:
no

, Customer Type

indinidual

,Transmit-ok

2.Loan Processing-Approve Loan---Acctno.-----Amt---.Proomo.----Transmit 3. Generate Disbursement Schedule 4. Generate Repayment Schedules 5. Loan Acceptance Activities to be performed outside Loan Tracking Credit Score Calculation : DL/ TL Accounts & Services Create Credit Score Calculation. Creating Security : DL/ TL Accounts & Services Security (Primary/ Collateral) Customer Create Create Security (System =COL: Create Collateral).
(When Drawing Power is to be assigned to the account, based on the value of the security created, select the flag as Primary and % Drawing amount as

100.Otherwise select the flag as Collateral and % Drawing amount as 0.)

Authorisation of Security : DL/ TL Accounts & Services Security (Primary/ Collateral) Customer Amend/ Enquiry Amend/ Enquire Security Authorise Security. Creation of Insurance:: DL/ TL Accounts & Services Security (Primary/ Collateral) Customer Create Create Insurance Details. Creating Inspection Schedule:: Common Processing Inspections Setup Profile. Document Revival:Common Processing Document Revival Setup Profile. To generate repayment schedule :: DL/ TL Accounts & Services Loan processing Generate repayment schedule To record PDCs : DL/ TL Accounts & Services Post dated cheques(PDCs) Record PDCs or Record Multiple PDCs

13.03 How to change Interest Rate at account level in a TL/DL account?

DL/TL Accounts & Services Loan Tracking Operations
Select Allowable Action: 1 Maintenance select Maintainable Action 5 A/c Creation Option to be chosen 1: Normal Details Now put differential value (basis points by which the interest rate is to be enhanced or reduced) in the Rate Increment field with + or sign.

13.04 What are the essential steps to enhance or reduce sanctioned limit in a CC/ OD Account.
Step-1: Change the Limit:Deposit/CC/OD Accounts & Services Amend Deposit CC/OD Account select option 4: CC/OD Limit Details. Step-2: Approve the limit: Deposit/CC/OD Accounts & Services CC/OD Processing CC/OD Approval.

13.05 How to rectify irregularity in a loan account(Decrease/Increase)?

Alteration in Theo Balance of a DL/TL account will result change in irregularity of loan account. Common processing Overdue/ NPA Adjust Overdue/ Pre-Payment Balance Credit (to reduce the irregularity) or Adjust Overdue/ Pre-Payment Balance Debit (to increase the irregularity).

13.06 How to reverse an erroneous credit in a DL/TL A/c?

Go to Batch Transaction & select Transaction base as 011050: Loans: Debit Adjustments.

13.07 How to transfer a Staff Car Loan Account (staff concessional rate of interest loan account) from a Non-Core branch to Core Branch?
2Create a new CIF for the Staff. 3Loan Term will be Remaining Repayment period as per the original repayment schedule. 4Open New Car Loan A/c through Loan Tracking - Amount of loan will be Principle outstanding.

5Transaction Posting Loan Accounts Disbursements Transfer to GL (A/c no. 98611+0BRCD+C) Amount will be Principle Outstanding,

select priority as P: Principle. 6Repeat above step for the Interest portion also select Priority as I: Interest. (In case Principle has been repaid fully, release entry assuming notional Principle amount as Rs.1 only) 7Now Create Repayment Schedule 8Calculate amount of interest accrued from the date of transfer to date and put through entry using menu = DL/TL Accounts &

Services Intt. Adjustments Interest. Accrual Adjustment.

13.08 How to arrange for application (debit) of interest on various CC accounts of one borrower to a single designated account calculated on the basis of days net debit balance of various accounts?
Link all the accounts via menu option: Deposit/CC/OD Accounts & Services

CC/OD Processing Linking Nominal & Interest CC Accounts.

13.09 How to attach CRA rating on a loan of > Rs.25 Lacs?

Customer Management Create Credit Rating Code :: Rating Source: 3:
SBI, Rating type: 1: Long Term or 2: Short Term, select appropriate Rating Code and key in End Date (One year for CC A/Cs).

13.10 How to close a Loan Account?

Step-I: Transaction Posting Loan Accounts (DL/TL) Loan Closure Enquiry for Closure. Note the Discharge Amount. Step II: Transaction Posting Loan Accounts (DL/TL) Loan Closure Closure by Transfer. Step III: Now go to Loan Tracking and complete the remaining allowable
actions shown in capital words

13.11 How to attach a guarantor to a loan account?

(i) Customer Management Amend Customer Details,
Option 8: Financial Details, Note the Net worth. (Worth thus arrived > = Amount Guaranteed).

(ii) Customer Management > Relationships/Ownership > Relationships

(Entity DEP: Deposits Master for CC/OD or LON: loans Master for TL/DL )

13.12 How to Print Repayment Schedule for a DL/TL account?

DL/TL Accounts & Services Loan Processing Generate Repayment Schedules. Choose Action as E: Enquire and appropriate Option 1: EMI or 2: Princ Eq
Distr.

13.13 How to view amount of Arrears & Breakup of Principal, Interest Realised (Real Intt.), Charges and Arrear of Interest etc. for DL/TL Accounts?
DL/TL Accounts & Services > Enquiries > Short. Select Option 3: Balance Breakup Enquiry.

13.14 How to Transfer a Demand / Term Loan A/C from Core to Core branch?
Go to DL/TL Accounts & Services > Loan Tracking > Operations >
Action: 1 Maintenance > select Maintainable Action 5- A/c Creation > Option 5: A/C Type - Home branch Change -- Input New Branch Code number and transmit.

13.15 How to cancel a DL/TL Account?

Possible only before disbursement of DL/TL Account.

DL/TL Accounts & Services > Loan Processing > Cancel loan.

13.16 How to open a Joint Loan Account?

(i) Step 1: Customer Management > Amend > Link CIF to A/c.
System: LON for DL/TL or DEP for Deposit/CC/OD Accounts,

(ii) Step 2: DL/TL Accounts & Services > Loan Tracking > Operation > Action: 1
Maintenance > select Maintainable Action 5 A/c Creation > select Option: 2:A/c Names OR Deposit/CC/OD Accounts & services > Amend > Deposit/CC/OD Accounts > Option 5: Account Names, and thereafter repeat the same navigation with Option: B: Mode of operation.

13.17 How to open C/A Overdraft against STDRs of a customer bearing different rates of interest ?
While setting up the limits for new CC/OD account, navigate as under:

Deposit/CC/OD Accounts & Services > Create > CC/OD Limit and Details (multi limits) [instead of CC/OD Limit and Details -used for single rate limits].

Select rate Type as S: Set Rate and key in different rates against respective limits sanctioned against various STDRs

13.18 OPENING OF CONTINGENT ACCOUNTS

Step 1: Contingent Account Create/ Amend New Account Step 2:Contingent Account Create/ Amend Approve Account Step 3:Transaction at the time Of Issuing BG/ LC: Menu: Transaction Posting Contingent Accounts Transactions Settlement Debit Step 4:Transaction on the date of Settlement:Transaction Posting Contingent Accounts Transactions Settlement Credit

13.19 To find out the Collateral Number:

DL/ TL Accounts & Services Security (Primary/ Collateral) Customer Amend/ Enquiry Enquire Security Summary.

13.20 How to reduce accrued interest in an account

Menu: DL/TL Accounts & Services Interest Adjustments Interest Adjustment Accrual
In the field Interest Adjustment: enter the Accrued Interest Amount noted earlier, starting with - sign.

14. NPA FUNCTIONALITIES IN B@NCS24

14.01 Non-Performing Assets in B@ncs24 have been classified into 7
categories, which are called as RISK GRADES as per details below:-

RISK GRADE

DESCRIPTION

00 Standard Asset 01 Standard But Temporarily Irregular Asset 02 Standard But Irregular for Over 60 Days 04 Sub-Standard Asset 05 Doubtful Asset Less than 1 Year 06 Doubtful Asset = > 1 Year but < 3 Years 07 Doubtful Asset = > 3 Years 08 Loss Asset (Please note that risk grade numbers 03 and 09 are not used presently)

14.02 ARREAR CONDITIONS FOR DL/ TL ACCOUNTS

Arr ear Co ndi tion Nu mb er 101 102 103 104 105 106 107 108 109 110 111 112 113
In Risk Gra de of TL/ DL acco unt

Description

Number of Days / Percentage of erosion 30 Days 30 Days 30 Days 90.10% 90.10% 90.10% 90.10% 90.10% 90.10% 90.10% 50.10% ---

New NPA Status of that accoun t 01 02 04 08 08 08 08 08 08 08 05 00 00

00 01 02 00 01 02 04 05 06 07 04 01 02

Excess Drawings / Irregularity Excess Drawings / Irregularity Excess Drawings / Irregularity Erosion in Security Value Erosion in Security Value Erosion in Security Value Erosion in Security Value Erosion in Security Value Erosion in Security Value Erosion in Security Value Erosion in Security Value Auto Upgrade Auto Upgrade

14.03 ARREAR CONDITIONS FOR CC AND OD ACCOUNTS

Arr ear Con diti on Nu mbe r In Risk Gra de of CC/ OD acco unt New NPA Status of that account

Description

Number of Days / Percentage of erosion

201 202 203 204 205 206 207 208 209 210 211 212 213 214 215 216 217 218 219 220 221 222

00 01 02 00 01 02 00 01 02 00 01 02 00 01 02 04 05 06 07 04 01 02

Excess Drawings / Irregularity Excess Drawings / Irregularity Excess Drawings / Irregularity Interest not Serviced Interest not Serviced Interest not Serviced Non submission of Stock Statement Non submission of Stock Statement Non submission of Stock Statement Non submission of Renewal Data Non submission of Renewal Data Non submission of Renewal Data Erosion in Security Value Erosion in Security Value Erosion in Security Value Erosion in Security Value Erosion in Security Value Erosion in Security Value Erosion in Security Value Erosion in Security Value Auto Upgrade Auto Upgrade

30 30 30 30 30 30

Days Days Days Days Days Days

01 02 04 01 02 04 04 04 04 04 04 04 08 08 08 08 08 08 08 05 00 00

90 Days 90 Days 90 Days 180 Days 180 Days 180 Days 90.10% 90.10% 90.10% 90.10% 90.10% 90.10% 90.10% 50.10% ---

14.04 COMMON ARREAR CONDITIONS

151 152 153 04 05 06 Risk Grade (4) Risk Grade (5) Risk Grade (6) 365 days 365 days 730 days 05 06 07

14.05 NPA STATUS THROUGH SHORT ENQUIRY

Using short enquiry user can find out the following information in respect of a Loan / CC /OD account

New IRAC Status Old IRAC Status NPA Date INCA and UIPY amounts Menu Navigation for TL / DL accounts DL / TL Accounts & Services Enquiries Short
Select the option as 1.Normal Details and Transmit.

Menu Navigation for CC / OD accounts Deposit/CC/OD Accounts & Services Enquiries Short Select the option as 2. Overdraft Details. For NPA date in respect of TL / DL go to Long Enquiry DL/TL Accounts & Services Enquiries Long

14.06 NPA enquiry for finding Arrear Condition

Common Processing Overdue / NPA NPA Enquiry
(Options : Risk Grade Enquiry /NPA Status Enquiry)

14.07 AMEND NPA STATUS

Common Processing Overdue / NPA Amend and Enquire NPA Status CC/OD Amend and Enquire NPA status TL / DL

14.08 GRANTING OF HOLIDAYS IN NPA TRACKING

Common Processing Overdue / NPA Granting Holiday for Asset Classification (DL / TL) Granting Holiday for Asset Classification (CC / OD)

14.09 LEGAL CASE TRACKING

Common Processing Overdue / NPA NPA Legal Case Tracking

14.10 HOW TO FIND OUT THAT AN ACCOUNT HAS BECOME NPA AS PER THE SYSTEM
(Through Short Enquiry) For DL / TL accounts DL/TL Accounts & Services Enquiries Short
Check the value in New IRAC Status field

For CC / OD accounts Deposit/CC/OD Accounts & ServicesEnquiriesShort

Select Option as 2. Overdraft DetailsCheck the value in New IRAC

Status field

14.11 HOW TO FIND OUT THE REASON FOR AN ACCOUNT BECOMING NPA
Common Processing Overdue / NPA NPA Enquiry

14.12 HOW TO UPGRADE THE STATUS OF AN NPA ACCOUNT?

Common Processing Overdue/NPA Amend/Enquire NPA Status CC/OD (or)Amend / Enquire NPA Status TL / DL

14.13 NPA CALCULATOR

The system will not apply this interest automatically to the loan account.

MENU PATH Common Processing Overdue / NPA CC/OD Calculator TL/DL Calculator

or

Acc_Type 6027 6001 6004 6006 6008 6010 6012 6013 6014 6016 6017 6021 6022 6028 6029 6131 6132 7001 7004 7005 7006 7008 7009 7010 7013 7014 7015

Int_cat 1011 1001 1004 1006 1008 1010 1012 1013 1014 1016 1017 1021 1022 1028 1029 1031 1032 1011 1013 1014 1015 1016 1017 1018 1019 1020 1021

Description CC-KCC AGRICULTURE CC-HYPO. PUBLIC CC-WEAVERS SOC CC-CONSORTIUM CC-PDS CC-FERTILIZER CC-INDUSTRIAL SOC CC-HOUSE FEDERATION CC-LDB CLEAN CC-AGRO INDUSTRY CC-FINANCIAL CORP CC-SLI STAFF CC-SLI PUBLIC CC-MKTG. SOCIETY CC-GENERAL CREDIT CARD OD-OVERDRAFT STAFF OD-OVERDRAFT PUBLIC TL-SCAVANGER TL-DAIRY TL-SJSRY TL-VEHICLE PERSONAL TL-CONSUMER TL-HOUSE LOAN PERSONAL TL-EDUCATION TL-OTHER PURPOSE TL-NON FARM SECTOR DL-AGAINST DEPOSIT

ok

ok ok

2330 2328 2329 2332 2324 2327 2325

10 10 10 10 10 10 10

ok

7019 7021 7026 7031 7040

1023 1024 1026 1027 1028

TL-COMPUTER TL-SELF HELP GROUP TL-VEHILCLE COMMERCIAL TL-GOVERNMENT TL-AGRI. & ALLIED ACT.

SCREEN NO. 400-Deposit Accounts Short Enquiry 440-Deposit Accounts Long Enquiry 450-Deposit Accounts Transaction Enquiry 10400-Loans Short Enquiry 10450-Loans Transaction Enquiry 20400-BGL Short Enquiry 20450-BGL Transaction Enquiry 1010-Deposits Cash Receipts 1060 Deposits Cash Payments 1045 Deposits Transfer Transactions 9022 Check Digit Enquiry