FREQUENTLY ASKED QUESTIONS CUSTOMER CREATION

SL NO
1.
2.
3.
4.
5.

QUERY
Unable to open the account
Msg. Enter date of
incorporation.
Unable to open CustomerID in CUMM
To know a/c no for a
particular cust-id.
To know all accounts of the
customer
A/c opened with wrong
name, want to rectify
name.

REPLY/SUGGESTIONS
Enter Date of Incorporation in CUMM-G details

Specify Customer Type, as it is mandatory an

proceed.
Invoke ACM menu option.

Use CUMM option and enter option A for custom

Inquire it.
Open a new cust-id in the correct name and u
menu to change cust-id for the a/c.

FREQUENTLY ASKED QUESTIONS ACCOUNT OPENING

SL
NO
1.
2.
3.
4.
5.
6.
7.
8.
9.

QUERY
Account to be un-frozen
Give nomination facility in an
a/c
Collect charges for an a/c.
Unable to close an SB a/c
error authorization pending.
Mark stop payment for an a/c.
To change the account opening
amount.
Unable to close an a/c error
Financial
transaction
verification pending.
Take reports of all closed a/cs.
Change expiry date for sanction
limit of an a/c.

REPLY/SUGGESTIONS

Use AFSM option and verify

First visit scheme details and then make nom
availability Y in OAAC menu.
Use CACC menu to collect charges.
Modify or cancel the modification done in IMGMN
Use SPP menu option.
Close the a/c and open a new one.

System generated interest transaction is not pos

Use ACLPOA menu and mention the field as C
Change expiry date in ACLHM menu option.

10.
11.

To freeze an a/c.
Unable to close an a/c - was
getting an error verification
pending.
Unable to credit an SB a/c
error, Credit cash limit
exceeds.
Wanted to debit an a/c but lien
was marked on it.
Wanted to add joint holder a/c
for an SB a/c.
How to issue balance
confirmation certificates.
While opening a CC while
giving the introducer's a/c no.
getting message that it is a
minor a/c
Want to unfreeze a a/c
To open an NRE SB a/c

12.
13.
14.
15.
16.

17.
18.
19.

Want to change SB a/c to V

plus a/c
To take print of Vouchers.

20.

Invoke AFSM menu option.

Check in AFI for any pending verification for the a

Modify in ACM '0' details cash limit credit as max

limit and then to verify the same
First unfreeze the a/c, and then to debit the a/c.

Add the joint holder in 'A' related party details an

verify the same in ACM
Use CUSTBALP menu.

Modify in CUMM menu by giving the minor flag as

verify the same.

Use AFSM menu option to unfreeze.

Open NRE SB a/c in OAAC and check in CUMM fo
non-resident flag as 'Y'
Use TACBSH menu & change the code for v plus
GL -32310 & sch code SB150.
Take print using VCHR Menu option.

FREQUENTLY ASKED QUESTIONS ACCOUNT OPERATIONS

SL NO
1.
2.
3.
4.
5.
6.

QUERY
Generate Interest report
Ledger print for individual
accounts
Cancel ulien in an account
Not able to post a debit
transaction

error
instrument already passed.
Change drawing power in
for a CCM a/c

REPLY/SUGGESTIONS
Use AINTRPT menu
ACLpca menu

ALM option
Use UCS and update the cheque as unused and th
the transaction.

Modify the a/c in ACLHM menu and menti

operation as D and modify the drawing power li
applicable date.
Unable to renew a/c, error Check in AFI menu for any un-verified records &
- verification pending.
the same.

FREQUENTLY ASKED QUESTIONS TRANSACTION MAINTENANCE

SL NO
1.
2.
3.
4.
5.
6.
7.
8.

QUERY
User not able to post
transaction
Unable
to
post
a
transaction
To
delete
a
verified
transaction.

REPLY/SUGGESTIONS
Give Additional details and then post.

Specify partition account in option G and give d

a/c-id in NTTID in TM menu.
Should not be done. Reverse the entry in TM by
visit screen X and by selecting the pr
transaction.
Unable to post trans error Modify debit clearing limit in ACM menu.
debit clearing limit exceeds.
Unable to post an intersol
A free user cannot give TOD for an a/c of diff SOL.
tran
in that SOL and give TOD
Want to give credit to
Use TM menu option.
branch adjustment A/c.
To delete a part tran &
First create another part tran & delete the part tra
want to enter another part
which has to be deleted.
tran.
Unable to post NRE
Give report code as LW for debit leg.
transaction, was getting
enter report code.

FREQUENTLY ASKED QUESTIONS CASH TRANSACTION

SL NO
1
2
3
4

QUERY
To take report scroll of
teller cash.
To know total receipts and
payment
To delete a cash tran
which has been wrongly
posted
To delete the record from
Teller cash a/c.

REPLY/SUGGESTIONS
Use SCWRPT menu option.

Use SCWRPT and give staff code. Use option

see/print the report.
Verified records cannot be deleted. Manually rever
tran.
Delete the record in GECM menu.

FREQUENTLY ASKED QUESTIONS CHEQUE BOOK MAINTENANCE

SL NO
1.

QUERY
To mark a cheque
unused.

REPLY/SUGGESTIONS
as Use UCS menu and mark the cheque as unused.

2.
3.

To destroy inventories for Cancel the cheque issued using CHBM menu.
cheque not verified.
Issued a cheque to the In CHBM menu give function as D and destro
wrong account.
cheque issued to the a/c.

FREQUENTLY ASKED QUESTIONS INVENTORY MAINTENANCE

SL NO
1.

QUERY
To see inventories against a
staff name
2.
Change authorizer user0id
for IMC movement and
coancelling the inventory
movement previously done
3.
Move
inventories
from
External location to DD
common location
4.
Not able to verify inventory
movement.
5.
Modify
authorizer-id
for
inventory movement
FREQUENTLY ASKED QUESTIONS

STANDING INSTRUCTION

SL NO
1.
2.

REPLY/SUGGESTIONS
Use SIM menu option.
Additional details had not been mentioned in SIM

QUERY
Verify Standing Instruction.
SI had not executed from a
particular date
3.
Standing Instruction report
generated for the day
FREQUENTLY ASKED QUESTIONS
SL NO
1.
2.
3.
4.
5.
6.

REPLY/SUGGESTIONS
Use ISIA

Modify in IMAUM. For canceling use IMC function

Move DDs from external to safe/double lock and t

DD common location.

Verify in IMC menu option by giving the passw

authorized user-id.
Modify using IMAUM menu.

Use SIETR menu option.

TERM DEPOSITS

QUERY
REPLY/SUGGESTIONS
System shows less maturity Change regenerate flow flag as Y and the
value
REGFLOW.
To close TD and pay DD
Close account normally, in repayment a/c spec
a/c. While posting this transaction enter add
details.
To renew an a/c
Use TDREN menu option
Not able to renew Error Run ACINT and TDSCALC and then renew.
Run
Mark lien on deposit a/c
ALM menu
Unable to renew FD error Run ACINT and then TDREN.

SL NO
7.

8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.

QUERY
run ACINT
To renew a VCC only for a
fixed amount, remaining
amount to be transferred to
operative a/c
Generate report for matured
deposits.
Generate rate-wise report of
MI a/cs
Interest not credited for a
month in a FD a/c.
Open
a
VSU
with
preferential interest.

REPLY/SUGGESTIONS

Modify in ACM and specify the repayment a

operative and then renew the a/c by giving re
option as fixed. To be verified.
Use GEDT menu option.
Use AINTRPT menu option.

Run TDSCALC and credit interest in the a/c. D

and credit to operative a/c.
Modify the a/c in INTTM and mention the prefe
rate in the a/c and give start date.

System did not auto-renew The auto-closure field would be blank, and so s
an a/c.
does not renew. Give N in auto closure, if s
should auto-renew the a/c.
Unable to post refund TDS Delete the transaction since cash reversal cann
cash transaction.
done. Open an operative a/c for the customer a
RFTDS transfer of amount.
To generate TDS certificate
Use TDSIP menu option
To take TDS summary
Use TDSIP menu option and end enter option 5 fo
summary.
To know if interest has been Use PHINQ option.
paid in a deposit a/c
Open an RD a/c in transfer- Use OAAC menu and in 2nd screen T for trans
in mode.
a/c. To be verified in OAACAU.
Open an FD a/c with interest Give SB a/c in customer details in ACM menu.
going to SB A/c
Closed an A/c but not Maybe closure transaction is not posted.
credited to IPD a/c.
Unable to close deposit a/c In ACM general a/cs details, change download t
error download to PDF to be changed to N. Then go for closure in
exists.
menu option.
To take deposit receipt print. Use DRP menu option.
Accounts not allowing to be Run ACINT by giving Adhoc run as N and then
closed error interest not closure.
calculated upto date.
For a particular a/c TDS has Run CAAC & then go for TDS calculated amount.
not been deducted for the
a/c.

SL NO
24.
25
26
27

28

QUERY
Unable to close a deposit
a/c, Tid record not found for
the a/c.
To take Report of List of
Deposit A/c
Unable to get deposit receipt
print for a/c
Unable to close a VSU a/c ,
getting message that a/c
balance is not equal to
repayment amt
Int is calculated less for an
a/c .

29

To transfer an FD a/c.

30

Unable to credit an RD a/c error cumulative principal

amt exceeds.
Auto renew the a/c.

31
32

To make PARTIAL payment

of VSU SCHEME.

33
34

To Modify int rate for an a/c

User wanted to Refund TDS
for a customer
User wanted to open a
quarterly int FD a/c
User wanted to open an FD
a/c for 7 days for more than
Rs50,000/User wanted to know the
menu to print deposit
receipt.

35
36
37

REPLY/SUGGESTIONS
Mention value date as that of maturity date.
Use ACDET Menu option.
Reprint the receipt using REDRP menu.

Verify the modifications done in INTTM menu opt

and then go for the closure.

Check out in the legacy s/w (Virmati or CMS s/w)

Maybe int is calculated in excess there. So it has
calculated less in the new system.
Use CAAC menu & mention 'T' for transfer of a/c.

Check for the RD a/c flows, if the flow is complete

then system will not allow to credit.

Modify the a/c in ACM, give auto renew flag as 'U

auto closure as 'N' & verify the same.
Use CAAC menu, give the a/c id, in 2nd field you
find the whole amount, there you need to change
amount to withdrawal amount & commit. A/c will
continue with the rest of the amount.
Modify the int rate using INTTM Menu option.
Refund using RFTDS Menu option.
Open a FD205 a/c.
Asked the user to use FD202.
Asked the user to use DRP menu.

FREQUENTLY ASKED QUESTIONS OUTWARD CLEARING

SL NO
1

QUERY
To
inquire
about
outward instrument.

REPLY/SUGGESTIONS
an Use OIW menu option.

To create outward clearing Suspend zone in MCLZOH. Use menu PCLSO and
floppy
zone date and code. File is generated as *.DM
Rename this file as ddmmyy.vjb Through PTW cop
file (ctrl + c) and paste (Ctrl + v) in a:\
User had not verified one
Check the unverified instrument using IOCLS men
instrument, but had
Revoke the suspended zone, verify the instrument
suspended the zone.
OCTM menu and then suspend the zone.
Wrongly entered home
Use TROFSETS to transfer the instrument to home
clearing zone in MICR zone clearing zone, and then delete the instrument in o
& verified the same.
zone.
Want to generate return
Use REJREP menu.
clearing memo.
Want to take print of
Take report using PWO Menu option.
outward home clearing.
User wanted to know
Check the zone in MCLZOH.
whether they have verified
all the outward clearing
cheques.

4
5
6
7

FREQUENTLY ASKED QUESTIONS INWARD CLEARING

SL NO
1.

2.
3.
4.

5.

QUERY
User has lodged instrument
to DD account instead of
Customer a/c in Inward
Clearing Zone
Instrument
entered
wrongly in MICR1 instead
of RETCLG zone.
If wrong a/c number is
given for inward clearing
instrument.
Unable to post Return
Clearing Zone error BAR
no
and
amount
not
entered.
Return an instrument in
Inward Clearing Zone

REPLY/SUGGESTIONS
Modify account no. in ICTM menu option.

Delete the instrument in ICTM menu and enter de

RETCLG menu.

Revoke suspension of zone, then modify a/c no in

menu.

Revoke the suspension using MICZ menu. Modi

and mention total no of BAR instrument and amou
Use ICTM menu option.

6. To view signatures for IN ICTM, press F9 for viewing uploaded signatures

inward
clearing
instruments.

7.
8.
9.
10.
11.
12.
13.

14.
15.
16.
17.

User wanted to delete an

Instrument in Inward
clearing.
User wanted to take inward
clearing report.
User wanted to generate
return clearing print.
User was not able to post a
tran related to inward
clearing.
To post inward clearing
zone.
To take the return clearing
schedule report
To delete an instrument in
inward clearing, that has
been entered twice in Home
Clearing zone.
To modify the cheque
amount in the outward
clearing
To know the chq details
that had gone for clearing.
To give TOD for an inward
return clearing chq.
To enter returned cheque
for a Loan A/c.

Delete the instrument using ICTM Menu option.

Use PICW to take the report.
Use PICS menu

Maybe the user had given wrong instrument numb

which was already passed. If so, update instrume
status using UCS & post the transaction.
Post the zone using MICZ Menu option.
Use REJREP menu option.
Delete the instrument using ICTM Menu option.

Open one more zone & transfer to this zone invok

TROFSETS menu option & then modify in OCTM m
option.
Check in IOCLS menu by giving chq particulars &
to know which a/c has been debited.
Give TOD for the clearing chq using ICTM menu.

Enter the instrument in RETCLG zone & give the

additional details at the time of posting the transa

FREQUENTLY ASKED QUESTIONS TERM LOANS

SL NO
1.
2.
3.
4.
5.

QUERY
To delink the operative a/c
for loan recovery
Report on limit for the loan
To take bifurcation of loan
a/c
How to know interest for a
loan a/c
Report of loan a/c with
principal
and
interest

REPLY/SUGGESTIONS
Modify in ACM. In scheme detail add an operativ
remove old operative. Needs verification.
Using LLIR.
Check in PSP and AINTRPT

Check for the transaction by generating report i

menu.
Use LAPSP menu

6.
7.

8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.

details
Difference in a/c available
balance and balance.
System
has
calculated
interest at 18% instead of
rate mentioned in a/c
details.
Tried to close a loan a/c but
error

cannot
close
modification pending.
To take interest certificate
for a loan a/c.
Generate loan a/c due
notice
To remove operative linked
to a loan a/c for recovery.

Maybe because of lien which can be seen in ACM m

Sanction limit may not have been given in A

menu.
Verify in ACM and then close a/c
Use INTCERT menu option.
Use LAODR menu option.

Modify in ACM and in scheme details, operative

be made N and repayment method-C. Operati
to be removed in scheme details.
Modify lien for a loan a/c.
Use ALM menu option.
To see rate of interest of a Use ACM general account details.
loan a/c.
Unable to close a CCH a/c Verify in INTTM and then close the a/c.
error audit record not
found.
To take report of List of
Take report using LLIR Menu option.
A/cs & their Limits & Limit
Expiry dates.
To change the rate of int of Use INTTM menu option and verify the same.
back dated opened a/c
User is unable to cancel
Cancel the lien in ALM & mention module type as L
loan lien for a/c
To know the LMV a/c EMI
Use LAMOD menu and check for EMI
and rate of interest.
To take interest debited
Take the report in LAOPI menu option.
from loan accounts report
User wanted the charges to Give the flowID field other charges on demand in T
be debited from the loan
menu option.
a/c
To reverse an entry for a
Give flow-id as NOCOL in loan a/c and then post th
loan a/c.
transaction.
To generate loans overdue
Use LAOPI menu.
report.
To know the limit registry
Use LLIR menu
menu for loan.

24.
25.

26.
27.
28.
29.
30.
31.
32.
33.
34.
35.
36.
37.
38.
39.

To take the report

containing all the loan a/c
above 10 lakhs
User wanted to give the
installment date for an LMV
a/c date as 1 of next
month.
User had credited all the
cash receipt to one loan a/c
instead of many a/c.
User wanted to change
fixed rate of interest to
floating rate for a loan A/c
To know installment for a
loan Amount for a specific
period.
User wanted to know Month
wise loan disbursement
menu.
User wanted to open a
Housing loan with the
floating interest rate.
Menu for limit liability
report for loan a/c.
To take loan a/c pass sheet
print
Report of Loan A/c with
Details of sanction limit &
A/c balance as on date.
User had not mention
operative a/c for an Loan
a/c.
To take report of Loan A/c's
To generate Loans Liability
Report.
To know the general details
of loan a/c
Unable to verify TACBSH
a/c changed from Housing
loan to ML a/c.
User wanted to take a
report for expired loan

Take the report in LAGI menu option.

The flows will be specified as per the scheme code

if it is staff loan a/c next installment will be at the
of the month and for public it will from one month
the date of disbursement, i.e. next installment wo
on the same date.
Manually reverse the transaction & give credit to
individual loan a/c.

Change it in INTTM by giving HLFLA4 for floating r

and the same to be verified.
Invoke LAMOD option.
Use menu VIJRPT & select from the list of reports
monthly disbursement.

Change the interest table as HLFL4 and then to ve

the same.
Use LLIR menu to take the report.
Use LAPSP menu option.
Use LLIR Menu option.

Modify the a/c in ACM menu & mention the operat

a/c id.
Take report using ACSP menu option.
Use menu LLIR.
Invoke LAGI menu.

TACBSH cannot be done for loan a/c. Hence, close

a/c & open a new a/c.
Use menu LLIR.

40.
41.

a/c's.
To take loan a/c master
print.
User wanted to take report
of pending installment for a
Loan A/c.

Use LAMP menu.

Take report using PLIST Menu option.

OPENING OF ACCOUNTS
S.NO

QUERY

SOLUTION

What is the option required to To know the information regarding a loan accou
know
the
information respect of OD/CC accounts use the option CCO
regarding a loan account?
and in respect of Term Loans LLIR.

In case of Housing Loan Verify the flow ID. It might have given as c
account where one year demand instead of DISBT.
repayment holiday is given,
the
system
debited
full
amount
available
in
SB
account before one year.

In some cases it is observed Past dues are not reflected in the overdue p
that the system calculated shown by ACM and LAOPI menus.
demand only from the date of
Migration. Why?

User unable to open a staff

loan account by giving a
message-a non employee can
not open. Why?

Under CUMM menu, modify in customer ID.The

pertaining to customer employee may be wrongly
as N instead of Y. It has to be changed to Y
verify the same.

User wanted to open a term Before opening of a term loan, the customer ID
loan account transferred from staff / borrower must be created through menu
another branch. How?
HCUMM/CUMM. In case, the customer ID is a
created the same may be used for opening the ac
The account is to be opened through menu
OAAC/HOAACLA. The appropriate scheme code m
assigned while opening the account.

User unable to open the LMV Check the flow amount given in the repayment de
account
by
giving
the
message-Principal amount is
not equal to installments.
Why?

User not able to open a CC Open the account by OACC menu by specifyin
(M) account by giving the scheme details correctly.
message-Sanction
limit
exceeds
the
maximum
allowed limit. Why?

User wanted to open a User has to open the account under OACC menu
housing loan with floating and give the interest table as HLFL5.(Current vers
rate of interest. How?

User is unable to open a MV Specify in ACM menu-E option, repayment

841 scheme by giving the correctly while opening the account.
message-Total of principal
amount should be less than
or equal to sanctioned limit.
Why?

10

User opened LTD account, User to mention the drawing power and sanctione
but
while
putting
the for the account by invoking ACLHM/HACLNM menu
transaction message appears
that debit limit exceeds.
Why?

11

User unable to enter E details User mentioned less sanctioned limit. First it sho
for a festival loan, by giving corrected and then enter E details.
the message-Total principal
amount should be less than
sanctioned limit. Why?

12

For a LTD account, while User to give the drawing power for the LTD accou
posting transaction, message then post the transaction in TM menu option.
appears as Scheme update
failed, no sufficient balance.
Why?

13

User unable to verify LTD Verify the account by using OAACAU by visiting re
account,
by
giving
the fields.
message- Limit details should
be visited. Why?

14

User unable to open a LTD User to enter the document maintenance field by
account, message appears OAAC menu option.
that document maintenance
not entered. Why?

15

User wanted to give joint User has to give the mode of operation as Jo
holder name for an account. scheme details in ACM menu and also give
How?
related party (A) details.

CLOSING OF ACCOUNTS
S.NO
1

QUERY

SOLUTION

How to take list of closed loan List of closed loan accounts can be obtained by inv
accounts?
menu option ACS by specifying scheme code and c
date-low & close date-high.

Branch is unable to close

Loan account for the reason
up to date interest has not
been calculated even though
up
to
date
interest
is
calculated. Why?

Please cancel the close option through CAACAU me

option and restart the closing process through CAA
menu option by selecting sub option C for interest
calculation. All closing activities should be done
through CAAC option including calculation of intere
and posting. Authorize the closing through CAACA
menu option.

User unable to close the

account by giving the
message-Authorization is
pending.

Certain modifications done might not have been

verified. Verify the modification done in ALM/ACM
option, and then close the account by using CAAC
option.

User is unable to close the

account by giving the
message-Balance is not
equal to repayment account.

This problem should be rectified at backend hence

should be referred to helpdesk/DIT.

User wanted to close the loan

account and wanted to collect
charges by cash.

Collect charges manually in TM menu option and c

the account by using CAAC option.

User unable to close the

account by giving the
message-Ensure shadow
Balance zero.

User has to ensure that once shadow balance shou

cleared then run ACINT and then close the accoun
using CAAC menu option. (Shadow balance is show
respect of Clearing credits)

User is unable to close the

LTD account by giving the
message Interest rate table

User might not have specified the interest rate tab

(ZERO2 table is to be attached and account level d
preference rate is to be entered). User to modify i

not available.

INTTM menu and then give preferential interest de

the applicable rate and the same is to be verified a
close the account.

User has closed the loan

account inadvertently. How to
rectify it?

User has to open new loan account with backdated

User was not able to close a

loan account by giving the
message-TDS record exists.

User to modify the TDS slab as zero and the same

be verified and close the account.

10

User closed the account

User has to cancel the closure by using CAACAU m
yesterday but not verified.
option and close the account again and verify the
Today the system is not
allowing to verify the account.

11

User unable to close the

account as SRM lien exists

This problem is to be rectified at backend hence it

should be referred to helpdesk/DIT.

12

How to close a LTD account?

A LTD account can be closed by using CAAC menu

option.

13

User unable to close loan

account by giving the,
message-Linked to operative
account.

User to delete the operative account in ACM menu

sub option) and delete the account in S details in
second screen.

14

User unable to close OD

account by giving the
message-Downloading to

Modify in ACM general details download to Pbf file

be made N and verify the same and close the ac

Pbf.
15

How to know/verify that a

particular account is closed or
not?

Enquire through ACM scheme details second scree

go to ACLI.

INTEREST RELATED
S.NO

QUERY

SOLUTION

For any account checking of Checking of interest can be done by taking p

interest to be done through report through AINTRPT menu option.
which menu?

System is debiting interest on Interest demand has been given as D=Daily. The
daily basis to an account - the system will debit interest on daily intervals. C
Why?
these parameters from daily (D) to monthl
through ACM menu E sub option and get it verif
another user.

Interest application in respect Generate interest report through menu option AI

of CCH/CCM is not in order, for the account and see the reason fo
how to check?
debiting/short debiting of interest to the accounts

In some loan accounts interest Verify interest demand date in ACM E option an
is not being charged monthly. see the report through AINTRPT menu fo
Why?
correctness.

Branch is unable to generate

the interest details report
through
menu
option
AINTRPT- Why?
And how to apply interest?

Verify through the statement of account (ACLI) w

the system has debited interest to the account.
applied, verify the reasons for non applicati
interest such as interest demand date in ACM E O
interest table code and interest rate through A
Option etc. Reasons for failure can be viewed th
the trail run of interest application through LADG
ACINT. (While running LADGEN/ACINT syste
default populates C this is to be changed to D)

It is observed that system is

collecting loan installments
from relative SB/CA on the
monthly due dates even if
there is no sufficient balance
in the said SB/CA - Why?

The field pertaining to repayment method migh

been fed as T (Recover shortfall amount by gr
TOD) in scheme details in ACM S Option. To avo
debit balance, the said field should be changed
(Recover from operative account).

Some times, the interest

debited for the first time after
transfer of the Staff Housing
Loan / Staff LMV accounts will
be
more
than
interest
receivable amount Why?

While opening the account in transfer mode, the b

has entered the entire interest receivable amou
the field pertaining to Transfer in interest amoun
details.

For CCH / CCM / Non EI loans For all these loan accounts, interest will be debi
(PRDEM) / Staff loans, when the end of every month.
the interest will be debited?

For EI loans when the interest For EI loans (except Staff Loans) interest w
will be debited?
debited on flow date i.e., installment date on the
frequency. If the flow date is given as future da
(holiday period)then one month from the accoun
date is to be entered.

10

How to obtain scheme-wise

product report of interest
application for individual loan
accounts?

Generate report through menu option AINTRP

specifying details like from scheme code an
scheme code numbers along with other re
parameters.

11

What are the interest tables to

be fed in case of Staff housing
loans
and
Staff
L.M.V
accounts?

In Staff Housing loans accounts having slab ra

interests, select interest table as HLSFO fo
accounts carrying interest @5% up to 1.10 lakhs
up to 5.00 and @12% for the balance amount.
HLSTF interest table is to be attached fo
accounts carrying interest @5% up to 1.10 lakhs
up to 5.00 and @11% for balance amount.
In case of Staff LMV accounts interest table sho
fed as LMOCR for Car loan for officers.
LMTWO for Two wheeler loan for both officer
award staff.
LMCCR for car loan to clerical staff which a
compound interest which is to be opened in M
scheme..

12

What is the procedure for To modify interest rate / attach the interest tabl
changing
interest
rate
/ has to invoke menu option INTTM and sub
attaching interest table?
modify and along with the effective date for back
change and get it verified by another user.

13

Penal interest is being applied Verify overdue position through menu option L
to some loan accounts Why? If wrongly uploaded, rephase through ACM E o
Verify DP through ACM H Option. If not fed , m
DP by invoking menu option ACLHM/HACLHM.

14

In Vijaya Home Loan accounts

what is the procedure to be
followed to change rate of
interest from fixed to floating
rate of interest?

The following procedure is to be followed:

1) Invoke menu option INTTM
2) Go for modify M option
3) Enter account number
4) Change the interest rate table from HLF
HLFLA(select latest version)
5) Account pegged by default is Y to be ch
to N.
Change appropriate date to give effect for the c
of interest.

15

Unable
to
authorize
the
closure of loan account with a
message that interest has not
been applied even though the
interest has been applied Why?

While closing the loan account, CAAC menu optio

be used. After interest calculation, posting has
done in the same menu option by using sub opti
without coming out of CAAC menu option.

16

What are the menu options to

be used in case of Govt
sponsored
loans
where
different slabs of interest rates
are applicable?

In case of SJSRY- use SJSY1 table.

In case of PMRY PMRYS table.(Up to Rs.75
interest for remaining amount @11%. For other a
of subsidy Branch has to contact DIT)

17

System is charging interest @

double the rate of interest
applicable to the account
Why?

Verify interest table and interest rate f

Customer preference debit / Account prefe
debit in ACM O option.
Applicable interest rate is to be fed in A
preference debit field, only when the interest
selected is ZEROP / ZERO2. In all other in
tables, the table itself contains some interes
which can be viewed through LVSI / IVSI.

18

How to know interest rate for Check ACM menu in general O details in the s
an account?
screen or it can be viewed through LVSI / IV
through product report AINTRPT.

19

How to know the interest rate Interest rates slabs can be viewed by enquiring th
slabs for loan accounts?
IVSM/LVSI menu option.

20

How
to
preferential
account?

21

Interest was credited to some Interest rate / interest table / limit might have
loan accounts instead of modified with back dated effect.
debiting Why?
Check through AINTRPT report for reasons.

22

How to change interest rate Modify Interest table from HLFIX to HL

from fixed to floating rate and HLFL4 / HLFL5 (According to date of sanction of
vice versa?
and vice versa.

23

How to know how much It can be viewed through ACLI menu optio
interest debited to the loan Generate report through AUDITRPT (Press F2 f
account?
of reports, use arrow keys for navigation and
report Loan interest details which will provide in
debited to loan accounts from the beginning
date).

24

For a loan account interest is

to be collected after the
holiday period along with the
installments - How?

give
debit

account Modify the interest rate in account preferential

for an through INTTM menu by selecting ZEROP tab
term loans and ZERO2 table for Working C
loans.

In the case of accounts having holiday period (fo

principal and interest) ensure to feed the flow
(installment date) in interest demand effective da
In Scheme details (ACM S option). The syste
demand entire interest debited to the account o
date. Rephase the account before that date th
ACM E Option.

25

How to know where

preferential
interest
mentioned?

the Preferential interest can be viewed through I

is menu option or ACM 0 option.

26

What is meant by interest Accrual is the process of incrementally calculatin

accrual?
interest for all the accounts/ bills at periodical inte
The interest so calculated is called Accrued in
which can be viewed through menu ACM ? Optio

27

Where user can find interest A user can find information on accrued interest i
booked for a loan account?
menu ? option.

28

What is meant by interest rate Account pegged means interest rate is fixed.
pegged?
If an account is having fixed rate of interest the
field pertaining to Account Pegged in General D
should be fed as Y. For floating rate the field
be fed as N.

29

For a loan product where

minimum
and
maximum
interest rate will be specified
and why?

30

Explain the concept of interest In the case of EI loans for the purpose of acco
receivable in Finacle.
income at given interval, system will debit inter
the IR (interest receivable) account and takes it f
account.
For eg The account was opened on 10.09.2005.
The next interest application date is 10.10.2005
For the purpose of accounting income for 30.09
system will debit interest form 10.09.2000
30.09.2005 to IR account and credit it to P&L acco
On 10.10.2005, system will debit interest to th
account and credit the same to two accounts.
1. Credit interest from 10.09.20005 to 30.09.2005
account.

The minimum and maximum interest rates are sp

in the interest scheme details of GSPM to kee
rates within the limits. These values are popula
the time of account opening and the user has a
of overriding these.

2. Credit interest from 01.10.2005 to 09.10.20

P&L account.
The IR head is system generated account hence m
debit/credit should be done only for the a
maintained manually.
31

32

S.NO

Interest not chargesd to CC There are two areas has to be seen

account
1) Whether proper interest rate table
has
attached .
2) In ACLHM if the limit level interest is Y
account levlel interest has to be entered f
full interest or else the limit level interest
always be N. The limit level interest app
when branch grants ad hoc limit to the party
System is charging penal There are two areas has to be seen
interest for the entire loan
1. The drawing power may be Nil t
amount instead fo overdue
account and limit expited.
protion?
2. In ACLHM the account recall flag is Y
LIEN RELATED MATTERS

QUESTION

SOLUTION

1.

User wanted to cancel ACSRM

lien in the account.

The ACSRM lien is to be changed to U lien at the

backend and user to cancel in ALM menu option. T
backend job is to be done at DIT. Hence the matte
be referred to helpdesk/DIT.

2.

What is the menu option to be

used to cancel lien in an
account?

Use ALM menu option.

3.

How modification of lien is to

be done?

Modification of lien is to be done by using ALM me

option.

4.

User wanted to know details of User has to enquire by using ACM menu and selec
the accounts having lien.
for lien details.

5.

How to cancel U lien for an

account?

User can cancel U lien by using ALM menu.

6.

User wanted to mark lien on

term deposit account.

Use CLM menu and verify the same.

7.

How to verify lien marked to a

particular deposit /Bank
Guarantee account?

Enquire in ACM menu and select T option to view

lien is marked or not to a particular deposit /Bank
Guarantee account.

8.

How to attach security for a

loan account?

Security can be attached for a loan account by usi

CLM/HCL M menu option.

9.

How to view the securities

marked for a loan account?

The securities marked for a loan account are to be

checked through SRM.CLM/HCLM inquiry menu op

10 What is Limit Node?

.

Limit Node is a tool which Finacle has provided in

application through which Banks would be able to
monitor the advances at individual level or even g
level.

MISCELLANEOUS
S.N
O

QUERY

SOLUTION

Branches are unable to get Take the report through BR menu option (Enter s
scheme wise balances of loan GL sub head Code) which gives scheme wise bala
accounts
like
V-Cash,
V- loan accounts
Mangala, and V-Kanyadaan etc.
Why?

Loan installments not recovered Check ACM S Option for recovery details.
from the operative accounts - Please enter the following:
Why?
1)Hold in operative account for amount due as Y
2) Repayment method. As E
3) In second page enter account number in th
pertaining to operative account id.
If all the fields are already existing, then:
a) Check for effective available amount in ope
account through ACCBAL menu.

b) Check for any lien in the operative account th

ALM menu.
c) Check for manual transactions in loan account
d) Check for overdue position through LAOPI m
3

In
some
loan
accounts
installments are not being
recovered.
Branch manually
transferred the installments.
But the system shows overflow
amount. Why it is not raising
the demand?

It is observed that debit/credit You may invoke ATOR menu option for generati
summations of the individual said report.
accounts is not appearing in the
ACLI menu option, as the same
is required for reporting in
MCMR/QCMR and to ensure the
servicing of interest/installment

To generate reminder letter to To generate reminder letter to the borrower

the borrower what menu is to menu option LAODR.
be used?

In Finacle the system has not Batch job i.e. LADGEN and LADSP has not been
recovered any amount from after migration of branch.
Hence system ha
operative accounts towards loan recovered from these accounts.
installments. Why?

How to change
schedule of a loan?

In case of CCM accounts while

returning the inward cheques to
Service Branch, Branch found
that the system does not debit
Cheque return charges to the
concerned account in case the
accounts
exceed
the
arrangement. Why?

System will not recover installment amount if th

no demand. It will recover only after adjustin
overflow amount or after rephasement of the a
through ACM E option.

repayment The repayment schedule of a loan account can be

by invoking ACM menu (Sub Option E)

The Cheque return charges will be debited b

system if sufficient balance is available in the ac
Otherwise the system will create a lien in the ac
for the said amount. Any such lien created b
system can be viewed / ascertained through A
menu option. Whenever credits are received in
account, system will recover the amount under lie

User
is
unable
to
post Drawing Power might not have been fed in the
transactions due to the reason This can be done through ACLHM / HACLHM
withdrawal amount exceeds menu and then post the transaction.
balance in CCH / CCM accounts
- Why?

10

How to freeze / unfreeze an An account can be freezed / unfreezed by inv

account?
AFSM menu option.

11

How to change a password of a The password of a user can be changed by inv

user?
PWMNT menu option.

12

How to reverse a disbursement The amount can be reversed by mentioning flow

transaction
made
to
an DISBT
account?

13

How to change expiry date of a Expiry date of a loan account can be changed by
loan account?
ACLHM / HACLHM (S) menu option.

14

For a loan account, effective Give drawing power in ACLHM/HACLHM (D) menu
available amount was 0.

15

How to issue a bank guarantee?

16

How to change the limit for Existing limit can be modified by using ACLHM/HA
OD/CC account?
menu and it should be verified.

Bank guarantee can be issued by using GMM

option.

17

User was unable to debit a loan Modification of clearing limit is to be done in ACM
account in respect of clearing (0 Option) and the same is to be verified. Then po
cheque
return for message transaction.
Clearing amount exceeds

18

How to know the repayment The repayment details for a loan account can be
details for a loan account?
by invoking LARSH menu.

19

User unable to credit the loan This problem should be corrected at backend; he
account by giving the message should be referred to Help desk/ DIT.
all principle demands should
be uploaded first

20

Are there any charges

intersol transactions?

21

How to know the principal and Principal and interest outstanding particulars c
interest
outstanding
for
a seen through menu option LAPSP.
particular account?

22

Whether pass sheet print of No, only other SOL account can be viewed but
other branch can be printed at cannot be taken.
some other branch?

23

For a loan account Memo pad Since it is an exception, check it. Generally
exists message displayed
customer ID is modified and not verified then
pad exists message will appear on the screen.

24

How to know a scheme for a Give loan name in ACM menu and put F2 and
loan account?
correct scheme code.

25

How to find out details of User has to visit ACM E details and press shift F
amount collected for a loan to get the required details.(This can be seen in AC
account?

for Yes, Intersol transactions are chargeable.

HOC189/2005 dated 26/10/2005 and 140/2005
06.08.2005 for details)

26

If installments are not taken Rephase the account in ACM menu option.
properly what is to be done?

27

How
to
change
operative Change the operative account details in ACM me
account in ACM scheme details? visiting scheme (S sub option) details..

28

How to reverse installment Reverse the transaction in TM menu option by

collected for a loan account?
the flow id as NOCOL

29

How to take total debits and The total debits and credits for a loan account m
credits for a loan account?
taken by using menu option ACSP.

30

How to modify the auto loan Auto loan recovery linked to operative account c
recovery linked to an operative delinked in ACM menu scheme details and it sho
account?
verified.

31

How to take the particulars of The required particulars can be obtained by inv
cash
transactions
happened FTR menu option.
during a particular day?

32

Branch unable to take pass Branch to check for the I link web and keep it
sheet print by getting message while taking the print.
collateral check failed why?

33

How to know the sanction limit Sanction limit for a loan can be known by inv
for a loan account?
ACLHI/ACCBAL menu option.

34

How to change sanction limit for Sanction limit for a loan account can be modif
a loan account?
using ACLHM / HACLHM (S) menu option.

35

How to give holiday period for a User to mentioned date of installment from it has
Housing loan account?
collected in I details.( The installment recovery d
to be mentioned in ACM-E option for holiday).
36

How to renew a CCM account?

37

System
available
rectify?

CCM account can be renewed by using ACLHM/HA

menu option and it should be verified.

is
showing
less User to cancel lien already marked in ALM menu
amount.
How to if lien is not relevant.

38

For a loan account installments User has to rephase the account (to
are irregularly collected. How inconsistence date in E schedule) in ACM menu
to rectify?
account will be regularized.

39

For a loan account

freezing the account
allowing the debits.

after The set up might have changed to exception. It

it is be changed to error.(Refer the matter to DIT for c
in parameter set up)

40

Branch unable to debit the Branch to change the debit cash limit in ACM g
account by giving the message account details and then go for transaction.
Debit cash limit exceeds.

41

For a CCM account the pass Branch to specify the pass sheet size as W i
sheet print is not coming fully. menu and then print.
Why?

42

For a loan account system is Branch has to change expiry date as current d
showing Running limit. Why?
ACTODM menu and verify the same in ACTO
menu.(The running limit arises due to TOD)

43

System is showing overdue Rephase the account in ACM menu Sub option E
amount for a loan account. How
to rectify?

44

Branch unable to debit a CCM Branch to verify the DP to the account th

account by giving message ACLHM/HACLHM menu.
insufficient balance.

45

How to give adhoc limit to the Ad hoc limit can be given to a loan account by
account?
ACLHM/ACLHM menu. Please refer detailed gu
given in this regard.

46

How to change number of The change of number of installments can be d

installments for a loan account? ACM menu in E details and change the loan pe
scheme S details.

47

While debiting a loan account it Branch to mention Drawing power and Sanction
is
for the account by using ACLHM/HACLHM menu op
giving message withdrawal limit
Exceeds.

48

Branch unable to credit loan This problem should be rectified at back end
account by giving message should be referred to DIT/HELPDESK.
value date should be more than
minimum value date for the
account

49

Branch
unable
transaction. Why?

50

How to verify Drawing power to Drawing power can be verified through ACLHM/HA
a loan account?
menu option.

51

How
to
verify
Nomination Nomination details for an account can be V
details for an account?
through ACM N details.

to

post Branch to give additional

transaction in TM menu.

details

and

pos

52

How to verify Sanction Number Sanction number for a loan can be verified th
for a loan account?
ACLHM/HACLHM option.

53

How to view Insurance details Insurance details of a loan account can be v

of a loan account?
through SRM/CLM/HCLM menu option.

54

In the case of loan accounts, The repayment method will be mentioned in s

where repayment method will details, first screen.(Please also see E details)
be mentioned?

55

Under loan repayment system, If the option is selected, it means installment re

for a particular loan account from operative account to the extent of av
option E is mentioned. Explain:
balance.

56

Under loan repayment system We can find hold in operative number in ACM
where hold in operative account scheme details, second screen.
number will be mentioned?

57

Under loan repayment method Under loan repayment method, if option specified
if option specified is T, what it means recover the dues by allowing a tem
does it represent?
overdraft to the extent of shortfall.

58

Under
collateral
linkage Under CLM menu general details ceiling limit de
maintenance
in
general the limit up to which the loan/advance cou
particulars ceiling parameter sanctioned backed by the security offered.
denotes:

59

60

How to modify a guarantee?

Modification of a guarantee can be done by using

option GMM by giving function M. A guarantee
modified can be taken up further modification
verification. (by the same person)

What is reversal of guarantee?

This is an intermediary step prior to closure

guarantee. Any expired guarantee can also be rev

Reversal of guarantee will reverse the cont

transactions already put through at the time of iss
61

62

63

64

What are Sweeps?

Sweeps is a facility wherein available balance

various accounts is pooled and utilized through
the accounts. At the end of the day appro
adjustments happen on its own.

How to take loan overdue

report?

Invoke LOAPI menu option.

How to take limit liability

report?

Invoke LLIR menu option.

How to take the report of the

principal and interest collected
for an account?

Invoke LAPSP menu option.

How to take secured loan

65 balancing report?
66

How to take ledger print of a

customer account?

Invoke BR menu option enter GL code .

Invoke ACLPCA menu option.

67 How to take report containing

customer accounts opened
during a particular period?

Invoke ACLPCA menu option.

68 How to find out EMI for a loan

account?

Invoke LAMOD /HLAMOD MENU option.

69 How to take balancing of loan

accounts?

Invoke BR menu option.

70 How to take report for

installments due for a loan
account?

Invoke LARSH menu option.

71 How to take report of loan

accounts for bifurcation of
principal and interest amount?

Invoke SHOWREP menu option.

72 How to take balancing report of

a Bank Guarantees?

Invoke GP menu option.

73 How to generate loan pass

sheet print?

Invoke LAPSP menu option.

74 How to take TOD report?

Invoke TODRP menu option.

75 How to take balancing report

for a customer as on 31st
March?

Invoke CUSTBALP menu option.(MIS server)

76 How to generate turnover

report?

Invoke ATOR menu option.

77 How to take reports of accounts

with balances of more than Rs
10 lakhs?

Invoke LAGI/ACSP menu option.

78 How to generate a report

containing accounts closed on a
particular day?

Invoke ACSP menu option.

79 How to generate interest report

for a loan account?

Invoke AINTRPT menu option.

80 How to generate report for all

loans opened on a particular
date?

Invoke LAGI menu option.

81 How to generate report for all

loans with details of interest?

Invoke AINTRPT menu option.

82 How to take report of priority

sector loans?

Invoke LAGI/ACSP menu option.

83 How to generate AOD report?

Invoke DOCTR menu option.

84 How to take report of CC/OD

balancing?

Invoke CCODBAL menu option.

85 How to take report of intersol

transactions?

Invoke ISTR menu option.(MIS server)

86 How to take exceptional report?

Invoke EXCPRPT menu option.

87 What is the menu option for

Guarantee printing?

The menu option for Guarantee printing is GP.

88 How to find out Guarantees

issued and liabilities register?

By invoking GILR menu option we can find out

Guarantees issued and liability register.

89 How to find out Differential

payment Guarantee register?

By invoking DPGR menu option we can find the sa

90 How to collect Guarantee over

due charges?

By invoking GODCH menu option we can collect

Guarantee over due charges.

91 How to find out Margin details

for all overdue Guarantees?

Margin details for all overdue Guarantees can be f

by invoking menu option BGMARGIN.

92

How to take interest certificate

for a loan account?

By invoking INTCERT menu option.

93 How to generate loan account

due notice form?

By invoking LAODR menu option.

94 How to take report of list of

accounts and their limits and
limit expiry dates for loan
accounts?

Take the report by invoking LLIR menu option.

95 How to know installment for a

loan account for a specific
period?

Use LAMOD menu option.

96 How to take report of pending

installment for a loan account?

Take report by using PLIST menu option.

97 User has credited all the cash to

one loan account instead of
many accounts. How to rectify?

Manually reverse the transaction and give credit t

individual loan accounts.

98 There is a difference in account

available balance and balance
fields.

This may be because of lien which can be checked

through ACM menu.

99 System has calculated interest

@ 18% instead of rate
mentioned in account details.

Sanction limit may not have been given in ACLHM

menu.

100

User wanted to change

User to change customer ID by using CCA menu o
customer ID of an account. How
to change it?

N P A Matters
S.NO

QUERY

SOLUTION

Balance in the NPA account is Invoke menu option NPARPT. The system will
inclusive of MOI debited after interest to the account and credit the same to M
date of NPA. To reduce MOI the same GL and will not be taken into P&L Accoun
component from balance, any
report is available in the
system?

2.

Account classified as NPA If any of the accounts not qualifies for classifyin
wrongly even though it is a NPA, you may classify the account as Standard a
standard
AssetHow
to by invoking menu option MEAC.
reverse it?

3.

In some of the NPA accounts

portion of the interest is
being credited to IR account
and portion amount to MOI.
Why?

Interest application is made This can be checked by generating a report thr

in NPA-suit filed accounts as NPARPT menu option. The status of the account
zero balance accounts.
be verified through ACM Y option. The status o
account can be modified through MEAC menu optio

While migration, all the accounts were migrate

standard accounts. Subsequently, when the br
has invoked MEAC menu to classify the account
NPA, the date from which the migration took place
up to the date of invoking MEAC, the system
credit the portion of interest to IR account of
scheme, since the account is treated as stan
account during that period.

Regarding
application
of
interest to NPA accounts in
Finacle,
What
is
the
procedure to be followed?

In Finacle, the interest will be debited to NPA acco

and credited to the MOI of respective loan acco
The interest so debited to the NPA accounts is
accounted as profit. Branch can view the accumu
MOI of the respective NPA accounts by invoking
menu by selecting the MOI accounts of the conce
loan scheme.

FREQUENTLY ASKED QUESTIONS INLAND BILLS

SL NO
1.
2.
3.
4.
5.

QUERY
Balancing report of OBC
and CBP
To modify CBP commission
and postage.
CBP realized but unable to
verify due to fatal error.
To dishonour bill
User has reported that a
bill has been purchased and
verified but the credit is not
there in the account.

REPLY/SUGGESTIONS
Use BRCR menu

Modify the bill and modify the comm./postage cha

in BM menu.
Cancel the bill realisation. Realise and verify bill on
same day.
Use BM menu option.
Verify the transaction generated after verifying the

FREQUENTLY ASKED QUESTIONS REMITTANCE

SL NO
1.
2.
3.
4.
5.

QUERY
Not able to generate CODD
file and copy to floppy
CO tansacaction done on
another branch
CO transaction as on date
Pay DD issued by another
branch on itself.
To pay a DD issued by a

REPLY/SUGGESTIONS
Use IBRECON option and copy it in PTW menu
HOCIP menu option
HOCIP menu
Add record in DDSM and verify, then pay DD.

Add record in DDSM menu by giving status as un

non-finacle branch
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.
24.
25.

and not cautioned. Verify. Then pay DD using

menu.
Correct DD inventory no is Print the unprinted DDs or move the inventorie
not being displayed.
destroy location using IMC.
To cancel DD
Use DDC menu
Entered CO transaction with Reverse the transaction and put new entry
wrong COT number
Revalidate DD
Revalidate using DDSM menu option.
Reverse CO transaction
Reverse CO transaction giving visit screen as X.
DD print not coming
Maybe there is no inventory in DD common loca
So move inventories and take DD print. OR en
ilinkweb is connected.
Generate DD report
Use DDIR menu option.
To cancel a DD issued Enter details in DDSM menu and cancel the sam
before
Finacle DDC menu.
implementation
MT wrongly made on X Reverse the transaction.
branch instead of Y.
User wanted to reverse an
Reverse the transaction Using TM Menu option.
FRR transaction
Wrongly issued a DD on X Cancel the DD by using DDC menu.
instead of Y
Wrongly debited the CO a/c Reverse the transaction in TM by giving visit scree
instead of crediting and
'X' in CO details.
wanted to rectify the same.
User wanted to revalue
Add the record in DDSM and revalue date can be
date a DD issued prior to
changed there itself and the same to be verified.
Finacle.
User wanted to know the
Find the DD no in TM by visiting additional details.
DD no for a particular
transaction.
User is unable to do CO
To give MISCR for credit & MISC for debit in CO
transaction
transaction.
To take DD reprint
Invoke REDRPT menu option. (DDREPRNT).
User wanted to pay a DD
Add the record in DDSM and has to be verified and
issued from nonfinacle
then to pay the same.
branch.
To know all the unprinted
Take the report in DDPALL menu option.
DDs
User wanted to issue a
Do DDLOST first & issue duplicate DD using DDD.
duplicate DD.
To take DD reports for a
Use DDIR menu to take the report
particular period.

26.

27.
28.
29.
30.
31.
32.
33.
34.

User while generating the

DD print was getting an
error inventory not
available
To cancel the pay order
issued.
User wanted to cancel
Payorder.
To take report of CO
advice.
To generate the report for
all CO entries responded
from the Branch.
Menu for DD Summary &
CO details.
Unable to take DDCO
abstract report
User has reported that mail
transfer head of a/c is not
available.
To generate the summary
of CO and DD

The inventory is still lying in safe it has to be mov

to common location invoking IMC menu.
Use DDC to cancel the pay order.
Cancel using DDC Menu option.
Use HOCIP menu to take the report.
Use HOCIP menu
Use DDIC & HOCIP menu to take the reports.
Use PR menu option.

User to select CO as head of a/c and in the additio

details under category code, to select MT
Invoke IBRECON menu, and transfer the same
invoking PTW menu

Dos and Donts in DEMAND DRAFT

S.No.

Issue

DO

DONOT

01.

Issue of
Demand
Draft

1. Do not credit
any other account.
2. Do not enter name of the branch. It is
default picked up by the Branch code
given.
3. do not press F4 key without
visiting commission field
by pressing control `E`, whenever
the amount is modified.

02

Draft
Amount.

03

Exchange

04

Printing Of
Draft

05

Cancel

1. Select menu
option TM and
credit DD A/C
36301001 prefixed
by sol id 5 digits
followed by two
zeros.
2. In additional
details select
contra account
`Y`,
and enter the
DRAWEE Branch
code No.
Cash DD should be
up to Rs 49,999/
only.
The system by
default populates
commission
amount. Wherever
the exchange
amount is to be
modified press
control `E` and
modify the amount
and press F4 to
accept the change.
The Changed
exchange should
be displayed in the
additional details
screen below the
purchasers name
field.
1. Ensure that
Ilinkweb is
on.
2. Ensure that
inventory is
available in
DD Common
location.
Press F10 to
move the
inventory to
next No. and
if print is not
O.K, go for
Reprinting.
1. Use DDC

Do not issue Cash DD for 50000 and

above.
Do not press F3 without accepting the
modified commission amount.

1. Do not close ilinkweb.

2. Move the spoiled DD to Destroy
location.
3. Inventory Number should match
with the printed number of the DD.
All the DD should be printed as
otherwise the status will not be
updated in data base and the
system will not default the
particulars.
4. Do not press F3, if print is O.K
without pressing F10.

5.Do not use TM to cancel the

06

07

Draft
Advice

All Finacle Branches have CBS

printed below
The branch Name. For DD
issued by Non finacle Branches
the advice has to be entered in
DDSM for Payment and
cancellation.
DD
For DD payment in transfer and
Payment cash mode,Select Menu option
In
`TM`.
Finacle
Select DD account in a/c id.
Instrument type Should be DD
and DD serial Number should be
entered in 2nd Field. Go for
additional details. The system
populates all the particulars of
the DD.
DD Payment in clearing.
DD is paid in ICTM. And the
Account
should be DD account. The
instrument No should be DD
serial No. On pressing F4 the
system displays a list of
duplicate records. The relevant
duplicate record should be
selected

Do not enter advice in

DDSM for finacle Branches.
This is already in the data
base.

1. Do not enter printed

Number in Instrument No
field.
2. Do not enter any values
in 1st box in instrument No
field.
3. Do not enter any other
values other than Printed
Number in
reference
field. The printed No
Should be inventory No.
which is maximum of
8digits.

Payment
of Non
finacle
DD by a
Finacle
Branch

DUPLICAT 1.Do enter in DDLOST Before

E DD
issuing Duplicate DD in DDD.

1. Do not issue Duplicate

DD
without marking it as
Lost
2. Do not use DDD for
issuing duplicate DD that
are issued before migration

10

DDNPADV .This is to confirm Non payment

from the drawee branch for
issuing duplicate DD after
marking it as lost.
DDIP
This is an inquiry for the DD
paid by the branch.

This should be entered in

the Branch from where DD
is issued

11

SL NO
1
2
3
4
5

The non finacle DD will be paid

with a message `Improper
advice` if the advice is not
received. After receiving the
advice the same should be
entered in DDADV.

1. Do not enter Printed No

in instrument No field.
2.Do not enter any other
Number other than DD
serial Number
3.Do not forget to modify
the particulars of the DD
amount and the Branch
code of the selected record
before committing.

Do not give Printed number

for query. Always use DD
serial Number

FREQUENTLY ASKED QUESTIONS DAY END

QUERY
REPLY/SUGGESTIONS
While
doing
CSOLOP
Instruct user to keep the ilink open and then
getting message general
logout and then login again to go for ABH.
ABH checks failed
User was not able to do
Normally, some transaction might have been
CSOLOP,
though
ABH
created during ABH. Hence, post the
went through fully.
transaction and continue CSOLOP.
While doing ABH error The system should have Ilink web on and
link connect failed.
should be connected to printer while doing
day end.
While doing ABH, system
Verify which of the clearing zones is not
was
giving
an
error
closed.
Clearing zone not closed.
User was unable to do
Some TM Transactions may be in entered
CSOLOP error - some
status. Invoke FTI menu and get such

SL NO

6
7
8
9

10

11

QUERY
unposted
transaction
pending.
User was not able to do
ABH.
User was getting message
ABH failed, MICR inward
clrg zone is open.
System is hanging for a
long time while doing ABH
While going for ABH, next
date was shown, but their
branch is on closed/has
holiday the next day.
User has rpt while doing
CSOLOP he was getting a
message
general
ABH
checks failed
During CSOLOP, user was
getting
inventory
not
verified.

REPLY/SUGGESTIONS
transactions. Post the transactions and then
to go for ABH and CSOLOP.
Maybe MCP for GBM not done. Do MCP first &
then to do ABH.
Close the inward clearing zone and then go for
ABH.
Maybe it is month end and so ABH will take
longer than normal for calculating interest.
Mark the branch as holiday invoking CTM
menu.
Asked the user to keep the Ilink open and
then logout and then login again to go for
ABH.
Cheque book issued may not be verified.
Hence, verify & do the CSOLOP.a