CAS Masters

APPLICATION PROCESSING SYSTEM
A UTOMATED HA W K -E Y E T O S C R U T I N I Z E L O A N RE Q U E S T S
MASTERS MANUAL
VERSION 3.2
APPLICATION PROCESSING SYSTEM
Masters Manual
Version 3.2
Document No.: I099418UM_APS Masters
 2004 Nucleus Software Exports Ltd. All rights reserved
No part of this document may be reproduced or transmitted in any form or by any means,
electronic or otherwise, including photocopying, reprinting, or recording, for any purpose, without
the express written permission of Nucleus Software Exports Ltd.
DISCLAIMER
Information in this document is subject to change without notice and should not be construed as a
commitment on the part of Nucleus Software Exports. Nucleus Software Exports does not
assume any responsibility or make any warranty against errors that may appear in this document
and disclaims any implied warranty of merchantability or fitness for a particular purpose.
TRADEMARKS
The names of all other company, brand, product or service names mentioned herein are the
trademarks or registered trademarks of their respective owners.
Document No.: I099418UM_APS Masters

First Release: September 23, 2004
Nucleus Software Exports Limited

A-39, Sector 62
Noida -201307,
India.
Tel: +91-120-2403964
Fax: +91-120-2403972
E-mail: bdg@nucleussoftware.com
Visit us at: http://www.nucleussoftware.com
WARNING
This document is not for retail sale.
© Nucleus Software Page i

Application Processing System Masters Manual, V 3.2
PREFACE
Purpose of this Document

This manual aims to familiarise users of the Application Processing System (APS) with the
Masters of the application. APS is a web-based application developed for banks and non-
banking finance companies (NBFC). Masters are the backbone of the APS.
The System Administrator can set parameters for different parameter codes. Parameters are
the values (or options) you get when you click on any dropdown list. These parameters help
you choose the most suitable option to your requirement. These parameters should be set up
before starting any other APS operation. Files which store these group of parameters are
called Masters.
This manual is intended to help the APS users understand the APS Masters and using them
by:
1. Describing the significance of the Masters
2. Giving step-by-step instructions for adding and authorising data
3. Describing the function of each Master and means of navigation between various
screens
4. Explaining the functions of the buttons that appear on each screen
5. Familiarising users with the system response to actions performed

Only the System Administrator and the authorised users can perform these tasks.
Intended Audience
This document is meant for use by banks and NBFCs, dealing with loans, and senior
management of an organisation, who are using the automated Application Processing
System (APS).
It is important that all users of the APS are well versed with the basic computer fundamentals.
It is assumed that the users of this system are aware of the loan and business processes and
terminology of the organisation.
Document Set
The APS Masters Manual is a part of the document set for using APS. This document set
comprises the following two documents:
i. APS User Manual
ii. APS Masters Manual
Acronyms and Abbreviations Used

The acronyms and abbreviations, used in this document, and their explanations are provided
in the following table. These are used in many fundamental definitions and explanations in
this document, and are specific to the information in this document.
Abbreviation Description
A/c Account
ADF Advance Disbursement Flag
APS Application Processing System
© Nucleus Software Exports Ltd. Page iii

BIRR Business IRR

BP Business Partner
CAM Credit Approval Memorandum
CPU Central Processing Unit
CPV Contact Point Verification
CSF Cheque Submission Form
DD Demand Draft
DDE Detail Data Entry
DM Disbursement Memo
DME Direct Marketing Executive
DOB Date of Birth
DRF Disbursal Request Form
DSA Direct Selling Agent
DSR Debt to Service Ration
EMI Equated Monthly Instalment
FOIR Fixed Obligation to Installment Ratio
FI Field Investigation
HNW High Net Worth
IIR Income to Installment Ratio
IMD Initial Money Deposit
ITR Income Tax Return
LOS Loan Originating system
LAP Loan Against Property
LMS Loan Management System (FinnOne Version)
LoV List of Values
LTV Loan to Value
NBFC Non-Banking Finance Company
MICR Magnetic Ink Character Recognition
MSPR Manufacturer Suggested Retail Price
NADA National Automobile Dealers Association
NDC Non-Discrepancy Check
PDC Post Dated Cheque
PDCMS Post Dated Cheque Management System
RC Registration Copy
RMS Rate Management System
RIC Risk Intelligence and Control
QDE Quick Data entry
OPS Operations
TAT Turn Around Time
TV Tele Verification
Conventions Used
The following table describes the symbols and typographical conventions used in this
document. These conventions are used to describe the screen components in text. These
will help you locate relevant information easily.
© Nucleus Software Exports Ltd. Page iv

Screen Component Text Format Example

Button Verdana, Bold font and bordered text
is used while referring to the button Clear.
names in the text.
Blue text is used while referring to the
Screen The New Application screen
screen names.
Bold and underlined text is used while
Link Click on Edit.
referring to the links.
All messages are given in the Times
Message Data saved successfully.
New Roman Bold font, 11 pt.
The given symbol is used to state
information that requires special
Note
attention. This is presented in a
shaded box to catch attention
•…
Bold text is used for writing menu On the Main menu, click on
Menu Option
option names. Approval.
Field Bold text is used to write field names. Enter the Client Name.
Organisation of this Manual

This section comprises five chapters and is organized in the following way:
Chapter 1, Introduction, describes the Masters concept of the Application Processing
System.
Chapter 2, Getting Started, explains the system requirements to connect to the APS.
Chapter 3, Initiating a User, describes the process for adding a user for the APS Online
application.
Chapter 4, Using APS Masters, explains the process of adding, viewing, modifying and
deleting details in the APS Masters.
Chapter 5, Using APS Masters, describes all the Masters used in APS.
© Nucleus Software Exports Ltd. Page v

CONTENTS
1. INTRODUCTION.......................................................................................... 1
1.1 Maker-Authoriser Functionality ................................................................ 1
1.2 APS Master Categories ........................................................................... 2
1.3 Screen Elements ................................................................................... 3
1.3.1 APS Header ................................................................................ 3
1.3.2 APS Toolbar................................................................................ 3
1.3.3 Navigation Pane .......................................................................... 4
1.3.4 Entry/Search Fields...................................................................... 4
1.3.5 Screen Modes ............................................................................. 5
1.3.6 Screen Conventions ..................................................................... 5
1.4 Searching Records................................................................................. 5
2. GETTING STARTED ..................................................................................... 7
2.1 Accessing APS Masters ........................................................................... 7
2.2 APS Masters Home Page......................................................................... 8
2.3 APS Masters Main Menu ......................................................................... 9
2.4 Setting up a New User ......................................................................... 11
2.5 Initializing a User Account .................................................................... 11
3. USING APS MASTERS ................................................................................ 13
3.1 Adding a New Record ........................................................................... 13
3.2 Modifying a Record .............................................................................. 16
3.3 Viewing a Record ................................................................................ 17
3.4 Deleting a Record................................................................................ 18
4. APS MASTERS DETAILS ............................................................................. 19
4.1 Security ............................................................................................ 19
4.1.1 Department Setup ..................................................................... 20
4.1.2 Role Master .............................................................................. 23
4.1.3 Company Master ....................................................................... 24
4.1.4 Office Setup ............................................................................. 25
4.1.5 User Setup ............................................................................... 29
4.1.6 User Role Mapping ..................................................................... 33
4.1.7 Holiday Master.......................................................................... 34
4.1.8 Lifestyle Master......................................................................... 35
4.1.9 Security Access Master ............................................................... 36
4.1.10 Master Audit log ........................................................................ 37
4.1.11 Business Date Master................................................................. 37
4.1.12 Security Parameter Master.......................................................... 38
4.2 Common Masters ................................................................................ 39
4.2.1 Asset Category Setup Masters ..................................................... 40
4.2.2 Charge Masters......................................................................... 44
4.2.2.1 Change Code Master......................................................................................................... 44
4.2.2.2 Charge Definition Setup ................................................................................................... 46
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4.2.3 Employer Exposure Limit Master .................................................. 48

4.2.4 Entities Masters......................................................................... 50
4.2.4.1 Agency Setup Master........................................................................................................ 50
4.2.4.2 Architect Setup Master..................................................................................................... 51
4.2.4.3 Builder Setup Master......................................................................................................... 55
4.2.4.4 Company Setup Master..................................................................................................... 58
4.2.4.5 DSA Setup Masters ........................................................................................................... 59
4.2.4.6 Employer Setup.................................................................................................................. 64
4.2.4.7 Group Setup Master........................................................................................................... 66
4.2.4.8 Industry Master.................................................................................................................. 67
4.2.4.9 Insurance Company Setup................................................................................................ 68
4.2.4.10 The Introducer Master....................................................................................................... 71
4.2.4.11 Lawyer Setup...................................................................................................................... 71
4.2.4.12 Manufacturer Master......................................................................................................... 75
4.2.4.13 Marketing Officer Setup................................................................................................... 76
4.2.4.14 Rate/Risk/FLG Setup ........................................................................................................ 79
4.2.4.15 RBI Master.......................................................................................................................... 81
4.2.4.16 RTO Master ........................................................................................................................ 81
4.2.4.17 Super Group Master.......................................................................................................... 83
4.2.4.18 Supplier Setup .................................................................................................................... 84
4.2.5 External Institutes Master........................................................... 88
4.2.5.1 Bank Master........................................................................................................................ 88
4.2.5.2 Institute Setup..................................................................................................................... 89
4.2.6 PDC ........................................................................................ 93
4.2.6.1 PDC Bank Master.............................................................................................................. 93
4.2.6.2 PDC Bank Branch Master................................................................................................ 93
4.2.6.3 PDC City Master................................................................................................................ 95
4.2.6.4 Clearing House Master..................................................................................................... 95
4.2.7 Loan Norms Master.................................................................... 97
4.2.8 General Parameter Master........................................................... 98
4.2.9 General Parameter Master........................................................... 99
4.2.10 Template Master ......................................................................100
4.2.11 Miscellaneous Masters ...............................................................101
4.2.11.1 Building Master................................................................................................................101
4.2.11.2 Billing Master...................................................................................................................103
4.2.11.3 City Details Master..........................................................................................................104
4.2.11.4 Constitution Master.........................................................................................................104
4.2.11.5 Country Master.................................................................................................................105
4.2.11.6 Currency Rate Type Master...........................................................................................106
4.2.11.7 Currency Setup.................................................................................................................107
4.2.11.8 Customer Category Master.............................................................................................109
4.2.11.9 District Master..................................................................................................................110
4.2.11.10 Interest Rate Detail Master...........................................................................................111
4.2.11.11 IRR Charges Master......................................................................................................113
4.2.11.12 PLR Charges Master......................................................................................................113
4.2.11.13 PLR Charge Detail Setup..............................................................................................114
4.2.11.14 Property Master..............................................................................................................117
4.2.11.15 Region Master.................................................................................................................118
4.2.11.16 State Master.....................................................................................................................119
4.2.11.17 Building Wing Details Master.....................................................................................120
4.2.11.18 Zip Code Master.............................................................................................................122
4.2.11.19 Public Rating Master.....................................................................................................123
4.2.11.20 Referral Master...............................................................................................................124
4.2.11.21 Source Code Master.......................................................................................................126
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4.2.11.22 Trade Customer Master.................................................................................................128

4.3 Field Verification Masters .....................................................................129
4.3.1 FI Agent Master .......................................................................129
4.3.2 Agency Setup ..........................................................................130
4.3.3 FI Type Master.........................................................................134
4.3.4 FI Agency Product Branch Mapping Master ....................................135
4.3.5 Technical Verification Master ......................................................136
4.4 Processes Masters ..............................................................................137
4.4.1 Policy Master ...........................................................................137
4.4.2 Score Master ...........................................................................140
4.4.3 Fuzzy Detail Master...................................................................143
4.4.4 Underwriter Question Setup Master .............................................144
4.5 Rule Engine Masters ...........................................................................146
4.5.1 Parameter Master .....................................................................147
4.5.2 Condition Master ......................................................................148
4.5.3 Rule Master .............................................................................149
4.6 Documents Masters ............................................................................150
4.6.1 Document Header Master...........................................................150
4.6.2 Document Master .....................................................................151
4.7 Deduping Masters ..............................................................................152
4.7.1 Fraud Database Setup Master .....................................................152
4.7.2 Dedupe Parameter Master..........................................................156
4.7.3 Dedupe Weights Master.............................................................157
4.7.4 Dedupe Dictionary Master..........................................................157
4.7.5 Dedupe Check Master Setup.......................................................158
4.8 Workflow Masters ...............................................................................160
4.8.1 Activity Master .........................................................................161
4.8.2 Queue Master setup..................................................................163
4.8.3 Escalation Master Setup.............................................................165
4.8.4 Deviation Master Setup .............................................................167
4.8.5 Workflow Master Setup..............................................................169
4.9 Product and Scheme Masters ...............................................................173
4.9.1 Product Category Setup.............................................................174
4.9.2 Product Setup ..........................................................................175
4.9.3 Scheme Group .........................................................................181
4.9.4 Scheme Masters.......................................................................184
4.9.5 Promotion Masters....................................................................194
GLOSSARY ................................................................................................. 205
Total number of pages: 223 (including the Cover and Contents pages)
© Nucleus Software Exports Ltd. Page ix

1
Introduction
Application Processing System (APS) allows the System Administrator to set parameters for
different parameter codes. Parameters are the values (or options) you get when you click on
any dropdown list. These parameters help you choose the most suitable option to your
requirement. These parameters should be set up before starting any other APS operation.
Files where these group of parameters are stores are called Masters.
The Masters are the backbone of the APS. These are used to add all the basic details
required to initiate a transaction. Adding these details is like setting up parameters so that
users need not enter the same information again and again. Using these pre-defined
parameters reduces processing time and increases uniformity in the system tasks. These
details need to be added only once before starting the various APS processes, or whenever
you need any modification to the added information. Only System Administrators and the
authorised users can add, modify or remove these parameters.
These details are used in almost all the processes of the APS. This basic information must be
recorded with utmost precision ,as it will save a lot of effort and time later when critical and
competitive business functions are carried out. Correctly created Masters also speed up the
day-to-day functioning, and standardise the processes as the system allows users to perform
only those tasks and use only those entities which are defined in the Masters.
1.1 Maker-Authoriser Functionality

The Master entries can be described as one-time creation of data that has to be referred to
frequently. Thus, the Master entries have to be unique, clear and unambiguous. FinnOne
works on the principle of Maker-Author (or Maker-Checker). This means a new record is first
made (or created) and then authorised before it is added to the main Master list. The maker
and checker must be separate users. The functionality of the Maker-Checker facility for the
various Masters of the APS is explained in this section.
When you click on any Master, two options are presented – Maker and Author (for
Authorizer), as shown in the following figure.
© Nucleus Software Page 1

Figure 1-1: Maker, Author Options

Click on Maker to create, modify or delete a record, or to search for a particular record.
Select and click on Author to check and authorise a new or modified entry to the Masters.
1.2 APS Master Categories

According to the functions and tasks they define, and the type of information recorded, the
APS Masters can be divided in the following categories, as shown in the table below.
Category Masters
File This menu option includes Masters for creating a new user account
Security This option involves all the functions related to company information, user
profile, user role, and access control
Common This includes Masters on the norms and standards to be followed while
processing a loan application
Field Verification This option includes Masters to set up parameters for verifying the
applicant’s contact details by an external agent
Processes This involve all the policies and score calculators which are used for
underwriting a loan
Rule Engine These Masters define the various parameters, rules and conditions to
govern the various activities of the processing operation
Documents These Masters help you set up the list of documents that may be required
from different types of applicants under different conditions.
Deduping These Masters define the various parameters and databases to check if the
application under consideration duplicates any earlier application details
Workflow These Masters help you define the workflow of the processing operation,
activities associated with each stage, and when and why escalations and
deviations can be applied
Product and Scheme These Masters define the categories of the products for which loan is
applied, and the various promotion plans and scheme applicable from time
to time
Windows This menu option lists all the windows that are currently open
© Nucleus Software Exports Ltd. Page 2

1.3 Screen Elements

APS Masters component allows you to create, authorise and save parameter values for the
given Masters. You can also delete or modify an existing value. Any modification must also
be authorised before it is added to the system.
In addition you can also add a new Master file to any set of Masters, as required.
These tasks are performed using the Maker and Author screens of the systems. Some of the
common elements that are present in all the screens of the system are the header, which
shows the basic information of the user operating the system, and the APS Toolbar, which
contains a few buttons to perform the various tasks.
APS
Menu
Screen
Name
APS
Header
Screen
Mode
User
Details
Entry/
Search
Fields
Grid
APS
Toolbar
Navigation Pane
Figure 1-2: The APS Screen Elements
1.3.1 APS Header

After you log in to APS, all the screens of the system display a header, which contains the
following user information:
• Date: The current date in the dd/mm/yyyy format
• User Id: Login Id of the user who has logged in to the system
• Branch: Name of the branch where the user is located.
1.3.2 APS Toolbar

This toolbar is present at the bottom of each screen and contains all the 10 buttons. The
buttons appear enabled or disabled depending on the user role and screen functionality.

Figure 1-3: The APS Toolbar
The following table describes the function of each of these buttons.
S. No. Button Name Description

Click on this icon to save the record
1. Save whose details have been entered or
modified
Click on this icon to remove the entered
2. Clear
details from all the fields
Click on this icon to add a new record to

3. Insert
the system
Click on this icon to modify an existing

4. Modify
record
Click on this icon to delete an existing
5. Delete
record
Click on this icon to move to the
6. Previous
previous record in the table
Click on this icon to move to the next

7. Next
record in the table
Click on this icon to move to search for

8. Search
a record in the system
9. Cancel Click on this icon to
Click on this icon to close the window

10. Exit
and exit from the system
1.3.3 Navigation Pane

The navigation pane is located at the left side of the screen. It displays all the Masters of the
selected category.
1.3.4 Entry/Search Fields

On the right of the navigation pane are some related entry fields for the selected
APS allows you to search for data for certain fields if you do not have the complete
information, or do not want to fill all the details. This saves keystrokes and time, and ensures
correct information. You can use these search criteria when you want to find the details of
one or more particular details. Give one or more parameters for search and the system
displays all records matching with the given criteria in a grid below the entry fields. When you
select the required row, its details are displayed in the search fields.

1.3.5 Screen Modes

On the basis of the user roles, the Master screens are displayed in any of the following
modes:
a. Insert Mode: You can add data in the fields and save records to the system when the
screen is displayed in the Insert mode. A screen is displayed in the Insert mode when
you click on the Insert button.
b. Edit Mode: You can modify any existing data when the screen is displayed in the Edit
mode. A screen is displayed in the Edit mode when you click on the Edit button.
c. View Mode: You can only view the details on the screen when it is displayed in the View
Mode. You cannot add or modify records in this mode.
The current mode of the screen is always displayed on the right corner above the entry fields.
You can go from one mode to another by clicking on the appropriate button. However, only
authorised users can go to a particular mode of the selected Master, depending upon their
role and information need.
1.3.6 Screen Convent ions

The following conventions have been used in all the screens of the system:
• Fields marked with an asterisk ( * ) are mandatory.
This has also been mentioned on all the screens.
• APS does not allow you to save a screen or move to the next screen without entering
data in the mandatory fields on the screen. If you attempt to do so, an error message is
displayed, specifying the fields for which data needs to be entered.
1.4 Searching Records

APS allows you to search for any record in the database if you have only partial information
about the required record. You can also use the Search function of APS if you do not want to
fill all the details of the record. When you search for a record on the basis of one or more
search criteria, the system generates details for all the other fields as well.

To use search criteria:
1. On any of the APS search screens, enter one or more search criteria and click on
Search .
The list of all the records matching with the given search criteria is displayed.
2. Scroll up and down to find the required data.

In some cases, details of the selected Application Id are displayed in the search fields.
When you use one or more search criteria to find the required Application Id, the
matching results are displayed in a grid below the ent ry fields. The grid consists of a
column for each search criterion.
• The results are displayed in the descending order of the Application Ids, with
the latest application displayed at the top.
• However, you can sort the data in any other order you want. You can sort the
displayed data in the following ways:
a. Clicking on a column heading sorts the rows according to that column, and
reverses the order displayed.
b. Clicking on that column heading again reverses the order of the data.
• When you select any row in the grid, its details are displayed in the entry fields.

2
Getting Started
APS Masters is a web-based component of APS. You can access it using the web browser
Internet Explorer 5 or higher. APS Masters can be accessed and used only by the authorised
users. The System Administrator assigns a unique User Id and password to each user for
preventing unauthorised access to the system.
2.1 Accessing APS Masters

You are required to use the User Id and password to log on to the system each time you
need to access it. APS uses this Id and password to identify you when you are connecting to
the system. The password-protected User Id is important to ensure security of the data in the
system.
To login to APS Masters:
1. Access Internet Explorer and enter the url specified by the System Administrator.
The APS Welcome screen is displayed.
Figure 2-1: The APS Welcome screen

The following message is flashing on the screen:
Please press any key to continue.

2. Press any key.

The APS Masters Login screen is displayed.
3. Enter your User Id and Password, select your branch, and click on OK . Language is set
to English by default for this version of APS.
• Passwords are case-sensitive.

On providing the correct User Id, Password, and branch, the following welcome message
is displayed.
Welcome <User Name>. You Last Logged on: <date and time of the last login by the user in
dd/mm/yyyy hh:mm:yyyy format>
• In case you have entered incorrect User Id or password, either of the following
messages is displayed:
Invalid UserID or Password or User ID does not exist
Correct the User Id or retype the password.
You are required to change your password after a specified period, as set by the System
Administrator. To change your password, click File à Change Password and set the
new password.
2.2 APS Masters Home Page

When you successfully login to the system, the APS Masters Home Page is displayed. The
Home Page contains navigations links to go to the other screens of the system. The Home
Page displays the following information:
i. Current Date in the dd/mm/yyyy format
ii. User Id of the connected user
iii. Branch office from where user is connected
iv. The Main Menu

Figure 2-2: The APS Home Page
2.3 APS Masters Main Menu

The Main Menu of the APS comprises various categories of Masters required for the system.
The following figure shows the APS Masters Main Menu. You can click on the required option
to view the list of Masters in that category.
Figure 2-3: The APS Masters Main Menu

The following table describes these menu options:
Menu Description Menu Options

File This menu option includes Masters for d. Change password
creating a new user account e. Initiate user
Security This option involves all the functions a. Department Setup
related to company information, user b. Role Master
profile, user role, and access control c. Company
d. Office Setup
e. User Setup
f. User-Role Mapping
g. Holiday Master
h. Lifestyle Master
i. Security Access
j. Master Audit Log
k. Business Date
l. Security Parameter

Common This includes Masters on the norms and a. Asset Category Setup
standards to be followed while processing b. Charge
a loan application c. Employer Exposure Limit
d. Entities
e. External Institutes
f. PDC
g. Loan Norns
h. General Parameter
Master – LMS
i. General Parameter
Master – GCD
j. Template Master
k. Miscellaneous
Field Verification This option includes Masters to set up a. FI Agent
parameters for verifying the applicant’s b. Agency Setup
contact details by an external agent c. FI Type Master
d. FI Agency Product
Branch Mapping
e. Technical Verification
Processes This involve all the policies and score a. Policy Master
calculators which are used for b. Score Master
underwriting a loan c. Fuzzy Detail
d. Underwriter Question
Setup
Rule Engine These Masters define the various a. Parameter
parameters, rules and conditions to b. Condition
govern the various activities of the
c. Rule
processing operation
Documents These Masters help you set up the list of a. Document Header
documents that may be required from b. Document Master
different types of applicants under
different conditions.
Deduping These Masters define the various c. Fraud Database Setup
parameters and databases to check if the d. Dedupe Parameter
application under consideration duplicates e. Dedupe Weights
any earlier application details
f. Dedupe Dictionary
g. Dedupe Check Master
Setup
Workflow These Masters help you define the a. Activity Master
workflow of the processing operation, b. Queue Master Setup
activities associated with each stage, and c. Escalation Master Setup
when and why escalations and deviations
can be applied d. Deviation Master Setup
e. Workflow Master Setup
Product and Scheme These Masters define the categories of a. Product category
the products for which loan is applied, and b. Product
the various promotion plans and scheme c. Scheme Group
applicable from time to time
d. Scheme
e. Promotion
Windows This menu option lists all the windows that -
are currently open

2.4 Setting up a New User

You can set up a new user by using the User Setup Master (See Section 4.1.5 User Setup
Masters). However, before setting up a new user, you need to add details in the Department,
Role, Company and Office Masters, so that you can define a user with the appropriate
details.
Only the System Administartor and authorised users can set up a new user.
2.5 Initializing a User Account

If a user account gets locked, or a user forgets the password, you can initialise the user
account. APS has a special PIN Mailer facility, by which the new password is sent to the user
printer.
To initializea user account:
1. On the Main Menu, click on File > Initialize User.

The Initialize screen is displayed.
Figure 2-4: The Initialize screen
2. Seelct the User Id which you want to initialize from the User ID dropdown list.
3. Select one or both of the following check boxes, as required:

a. Initialize Connection: To Initialize a locked user account
b. Initialize Password: Initialize a password
The system displays a confirmation message and in case of a new password, sends the
new password to the user printer.

3
Using APS Masters
APS allows you to add, maintain and remove parameters for any Master. Each entry that is
added to the system or modified needs to be authorised. Maker of an entry should be
different from the person authorising it.
This section gives detailed instructions for adding, modifying, authorising, viewing and
deleting any record in the system. These tasks are common throughout the system.
Therefore, follow these steps for maintaining all the Masters. The details of the various
Masters are provided in the subsequent sections.
• Only the System Administrator and the Global Users are authorised to add, maintain
or authorise a record.
3.1 Adding a New Record

You can create a new record and add its details in the system.
To create a new records:
1. On the Main Menu, click on the required Menu option, select the required Master, and
click on Maker.
For example, click on Processes > Policy Master > Maker.
The selected Master screen is displayed, showing the sub-options in the Navigation
Pane, a message in the right pane to select the required sub-option.

Figure 3-1: The Policy Master screen showing the sub-options
2. In the Navigation Pane, click on the required sub-option.

A blank screen for the selected Master is displayed if there is no record in that Master.
Otherwise, the screen is displayed in the View mode, displaying a list of all the records
in the Master. The system populates the entry fields with the details of the record last
saved in the system.
In that case, click on the Insert icon. A blank Master screen is displayed.
Figure 3-2: The Policy Master screen (View mode)
3. Enter details in the required fields.
• Some of the fields, like Maker Id and Date, Author Id and Date, and Status
of the record are disabled as the system auto-generates this information when
you save the data.

4. Click on the Save icon or press F9.

The system saves the record and displays the following message:
<Field Entry> <Field Name> saved successfully.
The search fields are cleared and the record is added to the grid, with status as
Inserted.
Figure 3-3: The Policy Master (Record added to the grid)Authorising a Record
Every record that is inserted in to the system needs to be authorised. You can modify
records with Inserted or Modified status.
To authorise a record:
click on Author.
For example, click on Processes > Policy Master > Author.

The Master screen is displayed in the Author mode, displaying a list of only those
records in the Master that need to be authorised. The details of the record last saved in
the system are displayed in the entry fields.

Figure 3-4: The Policy Master screen (Author mode)
3. To search for the required record, do one of the following:

a. Use the Next/Previous icon to scroll down the table, if required.
b. Click on the Search icon. The Search screen is displayed.
Enter one or more search criteria to find the required record and click on the View
icon.
The required record is selected in the grid and its details are displayed in the entry
fields.
4. Review the details and click one of the following buttons:
• Approve: (or press F2) To authorise the record.
A dialog box is displayed seeking your confirmation to approve the record. On
clicking Yes, the record is approved and its status in the grid changes to
Authorised.
• Reject: (or press F3) To reject the record.
A dialog box is displayed seeking your confirmation to reject the record. On clicking
Yes, the record is rejected and its details are removed from the grid and entry fields.
3.2 Modifying a Record

You can modify only the description of any record in the system. However, you can modify
only those records, which have not been authorised yet. That means, you can change
details of the records with status Inserted. Once a record is authorised, you cannot modify
its details.
To modify a record:
click on Maker.


The Master screen is displayed in the View mode, displaying a list of all the records in
the Master. The details of the record last saved in the system are displayed in the entry
fields.
3. To search for the required record, do one of the following:
icon.
fields.
4. Click on the Modify icon.
The Master screen is displayed in the Modify mode, and the Description field (which
you can modify) is selected. All the other fields are disabled.
5. Make the required modifications, and click on the Save icon or press F9.
The system saves the modified record and displays the following message:
<Master Name> successfully.
For record with Inserted status, the modified details are displayed in the grid.
For records with Authorised status, a new row is added to the grid, showing the record
with status as Modified.
• If you click the Modify icon for an authorised record that also exists in the
modified status, the system displays an error message: A similar record exists
in the maker area. Make changes in the record with Modified status.
3.3 Viewing a Record

You can view all the records in the Master. The system also gives you an option to view all
the records, only the authorised records and only the unauthorised records (with Inserted
and Modified) status.
To view a record:
click on Maker.
fields.
3. Select one of the following options:
• Authorised: To view the list of authorised records in the Master
• Unauthorised: To view the list of records which have not been authorised yet
• Both: To view list of all the records in the Master

4. Use the Next and Previous icons to scroll up and down the grid.
Details of the selected record are displayed in the entry fields.
3.4 Deleting a Record

You can delete an existing record in any of the Masters in the system, if required. You
cannot delete the records that have child files attributed to them.
To view a record:
click on Maker.
fields.
3. To search the record you want to delete, do one of the following:
icon.
fields.
4. Click on the Delete icon.
5. A confirmation message is displayed. On clicking Yes, the records are removed from
the grid and entry fields on the Master screen and the system displays the following
message:
<Master Name> deleted successfully.

4
APS Masters Details
As described in the beginning of this manual, APS uses various categories of Masters
required for the system. You can click on the required option to view the list of Masters in that
category. On selecting a Master, a list of sub-Masters is displayed, if any.
Figure 3-1 shows how to select the required Master in the Maker or Author option.
Figure 4-1: Selecting the required Master
All the APS Masters and their details are described in the following sections.
4.1 Security
Masters in this category involve all the details related to company information, user profile,
user role, and access control on the basis of user level. There are 12 Masters in this category
as shown in Figure 3-2. These are described below.

Figure 4-2: The Security Masters
4.1.1 Department Setup

These Masters help you set up the various departments of the bank which will be involved in
the various stages of loan application processing.
This Master option has two sub-Masters – Department Setup and Address Setup Masters.
You cannot add details of the department without entering its address information. Therefore,
to add a new department to the system, you need to enter its contact details also. If you try to
save the details of a new department without adding its details in the (Department) Address
Setup Master, an error message is displayed.
a. Department Setup Master
This Master records the details for setting up a department in the system.
Figure 4-3: The Department Setup Master screen

The following table describes the details that need to be recorded in this Master.
Field Description Remarks

Department Code of the department of the bank Once added, it cannot be
Code modified
Dept. name Complete name of the department Once added, it cannot be
modified
Department Type Select the department type from the dropdown -
list. The list displays the options specified by
the System Administrator
Maker Id Id of the user who has added the record in the The system generates this
system information when the record
Maker Date Date and time when the record was created. It is added
is displayed in the dd/mm/yyyy hh:mm:ss (24-
hour) form at.
Status The current status of the record. The status The system generates this
can be Inserted, Modified or Authorised. information when the record
is added/ modified or
authorised
Author Id Id of the user who has authorised the record in The system generates this
the system information when the record
Author Date Date and time when the record was is authorised
authorised. It is displayed in the dd/mm/yyyy
hh:mm:ss (24-hour) format.
b. (Department) Address Setup Master

This Master records the contact details of the department added to the system.
Figure 4-4: The (Department) Address Setup Master screen

The following table describes the details that need to be recorded in this Master.

Contact Person Name of the contact person for the department -
BP Id Identification code of the business partner. The This is generated by the
business partner may be a dealer, broker or DSA. system
Address Address of the contact person -
Address Type The type of the address, as required, such as You can add various
residence, office, and permanent. types of addresses for a
person, such as
residential, office, and
permanent.
Country The country where the contact person is located -
State The state where the contact person is located -
City The city where the contact person is located -
STD/ISD ISD or area code of the phone where the -
concerned person can be contacted
Zip Code Zip code for the address -
Phone 1 Phone number where the concerned person can be -
contacted
Phone 2 Alternative phone number where the concerned -
person can be contacted
FAX Number on which messages can be faxed to the -
concerned person
Mobile Mobile number of the concerned person, if any -
E-Mail E-mail Id where messages can be mailed to the -
concerned person, if available
TELEX Number where messages can be sent to the -
concerned number by telex
Pager Pager number, if any, on which the concerned -
person can be reached
Year at This Duration in years and months for which the -
Address concerned person is living at the present address
Mailing Address Checked option box means the given address type One of the address type
can be used as the mailing address of the person must be
selected as the mailing
address
Inactive A selected check box indicates that the given With this functionality,
address type is no longer applicable you do not need to
delete an inactive
address
Maker Id Id of the user who has added the record in the The system generates
system this information when
Maker Date Date and time when the record was created. It is the record is added
displayed in the dd/mm/yyyy hh:mm:ss (24-hour)
format.
Status The current status of the record. The status can be The system generates
Inserted, Modified or Authorised. this information when
the record is added/
modified or authorised
Author Id Id of the user who has authorised the record in the The system generates
the record is authorised

Author Date Date and time when the record was authorised. It is the record is authorised
format.
4.1.2 Role Master

This Master deals with creating a role for the user. APS displays information on the basis of
user level. In APS, all the users are not authorised to access all the screens and perform all
the tasks. Assigning a user level also authorises a user to perform certain tasks using the
APS. The Role Setup Master screen is used to define user levels and giving them access
rights.
Figure 4-5: The Role Setup Master screen
The following table describes the details that define the user roles in the Role Master.

Role ID The Id assigned to the role Once added, it cannot
be modified
Role Level The level assigned to the role Once added, it cannot
be modified
Role Description Description of the role This is displayed when
you select a role in the
APS online system
Role Status Current status of the role. The dropdown list A user status can be
displays the possible status for the role -- Active made active or inactive
(A) or inactive (I). in the system, as
required
Rule The identification code of the rule applicable to -
the role, as specified by the System
Administrator
Handle Deviation If Yes (Y), the selected role is authorised to -
Flag handle any deviation to the policies and scoring. If
No (N), the role cannot approve deviation from the
pre-set policies of the company.

Product The category of the loan, along with the product Some roles are
Id. The dropdown list displays all the categories applicable only for
-- Auto Loan (Auto), Home Loan (Home), and certain loan products
Personal Loan (Pers).
format.
Status The current status of the record. The status can The system generates
be Inserted, Modified or Authorised. this information when
Author Id Id of the user who has authorised the record in The system generates
the system this information when
Author Date Date and time when the record was authorised. It the record is authorised
hour) format.
4.1.3 Company Master

This Master deals with the details of the company, such as the name, address and contact
details of the company. APS displays this information while adding details for corporate
applicant or guarantor, or the employment details of an individual applicant or guarantor,
whenever required.
Figure 4-6: The Company Master screen

The following table describes the details that need to be recorded in the Company Master.

Company Code The Id assigned to the company -
Company Name The complete name of the company -
Address 1 First line of the address of the company -
Address 2 Second line the address of the company -
Country Country where the company is located. This is part of -
the company’s address. The dropdown list shows all
the countries specified by the System Administrator
State State where the company is located. This is part of -
the company’s address. The dropdown list shows all
the states in the selected country, as specified by the
System Administrator
City City where the company is located. This is part of the -
company’s address. The dropdown list shows call
the cities in the selected state, as specified by the
System Administrator
Zip Code Zip code of the company’s location. This is part of -
the company’s address. The dropdown list shows
call the zip codes in the selected city, specified by
the System Administrator
Phone Number 1 The phone number where call to the company can -
be made
Phone Number 2 The second or alternative phone number where call -
to the company can be made
FAX The fax number where communication can be faxed -
to the company
Signatory Authority Name of the employee of the company who is -
authorised to sign documents and checks on behalf
of the company
E-Mail E-mail id to send information to the company -
URL url of the company’s web-site, if any -
Maker Id Id of the user who has added the record in the The system
system generates this
Maker Date Date and time when the record was created. It is information when
displayed in the dd/mm/yyyy hh:mm:ss (24-hour) the record is added
format.
Status The current status of the record. The status can be The system
Inserted, Modified or Authorised. generates this
information when
the record is
added/ modified or
authorised
Author Id Id of the user who has authorised the record in the The system
Author Date Date and time when the record was authorised. It is information when
displayed in the dd/mm/yyyy hh:mm:ss (24-hour) the record is
format. authorised
4.1.4 Office Setup

This Master option has two sub options – Office Setup and Address Setup. You cannot add
details of the office without entering its address information. Therefore, to add a new office to
the system, you need to enter its contact details also. If you try to save the details of a new

office without adding its details in the (Office) Address Setup Master, an error message is
displayed.
a. The Office Setup Master
This Master allows you to add details of the office, where the user the based. This record
helps APS generate loan details for a particular branch, office level or region.
Figure 4-7: The Office Setup Master screen
The following table describes the details that need to be recorded in Office Setup Master.

Office Code The Id assigned by the system to the office or company This is generated by
the system
Office Name The complete name of the office -
Company The name of the associated company, as entered into -
the system
Office Type Type of the office and its code. The dropdown list -
displays all the office types, like Area Office (AO),
Branch Office (CO), Head Office (HO), Regional Office
(RO), State Office (SO), Sub-Branch Office (B), and
Zonal Office (ZO)
Parent Office Name of the main office -
Signatory Authority Name of the employee of the company who is
authorised to sign documents and checks on behalf of
the company
Region Region where the office is located. The dropdown list -
shows all the applicable regions and their codes, like
Central (100011), East (100009), North (100007), South
(100008) and West (100010)
Branch Code Code assigned to the branch -
Maker Id Id of the user who has added the record in the system The system
generates this

Maker Date Date and time when the record was created. It is generates this
displayed in the dd/mm/yyyy hh:mm:ss (24-hour) information when the
format. record is added
information when the
record is added/
modified or
authorised
Author Date Date and time when the record was authorised. It is
displayed in the dd/mm/yyyy hh:mm:ss (24-hour) record is authorised
format.
a. (Office) Address Setup Master

This Master records the contact details of the office added to the system.
Figure 4-8: The Office Address Setup Master screen
The following table describes the details that need to be recorded in the (Office) Address
Setup Master.

Contact Person Name of the contact person at the office -
BP Id The identification code assigned to the business This is generated by the
partner system
Address The address of the office for adding details of the You have for line to
corporate applicant or guarantor, or the enter the address. You
employment details of the applicant or guarantor need not add details on
the State, Country and
Zip Code

Address Type Type of the office and its code. The dropdown list -
displays all the office types, like Area Office
(AO), Branch Office (CO), Head Office (HO),
Regional Office (RO), State Office (SO), Sub-
Branch Office (B), and Zonal Office (ZO)
Country Name of the country where the company is -
located
State Name of the state in the selected country where -
the company is located
City Name of the city in the selected state where the -
company is located
STD / ISD The STD or ISD code to be used for the given -
phone number
Zip Code Zip code of the company’s location. This is part -
of the company’s address. The dropdown list
shows call the zip codes in the selected city
Phone 1 The phone number where call to the company -
can be made
Phone 2 The second or alternative phone number where -
call to the company can be made
FAX The fax number where communication can be -
faxed to the company
Mobile Mobile phone number of the contact person for -
the company
E-Mail E-mail id where communication to the -
office/contact person can be sent.
TELEX The telex number where communication can be -
sent to the company
Pager Pager number where any information to the -
company can be sent
Year at This Address Number of years for which the company is -
located at the given address. What about
months?
Mailing Address Checked option box means the given address One of the given
type can be used as the mailing address address types must be
selected as the mailing
address. If none of the
addresses is selected
as the mailing address,
the system will display
an error message while
saving the details
address is no more applicable you do not need to
delete an inactive
address
format.

Author Date Date and time when the record was authorised. It
hour) format.
4.1.5 User Setup

This Master has three sub-Masters – User Setup and Address Setup and Login Day Masters.
The User Setup Master helps you add new users to the system, and assign them user Ids.
From the Login Day Master, you can grant access rights to the user for any particular day
and time. Details of the user without entering the address information. Therefore, to add a
new user to the system, you need to enter the user’s contact details. If you try to save the
details of a new user without adding details in the (User Office) Address Setup Master, an
error message is displayed.
a. User Setup Master
This Master allows you to add details of the APS users (employees of the company who are
using APS). This one-time entry in APS helps use user level for adding, approving or
rejecting loan details. APS can also be used for generating user-wise reports.
Figure 4-9: The User Setup Master screen
The following table describes the details that need to be recorded in the (Office) Address
Setup Master.

User ID The Id assigned to the user The Id is created by
the System
Administrator
Department The internal department to which the user belongs. The -
dropdown list displays all the departments of the
company, as entered in the Department Setup Master

Name Complete name of the user -

BP Type The type of the business partner of which the user These parameters
department is a part. The dropdown list displays all the are defined by the
BP types and their Type Codes used by the APS – System Administrator
Agency, Architect, Accountant, Borrow Institution,
Broker and Builder Master.
BP ID The Id assigned to the selected BP Type. The These Ids are pre-set
dropdown list displays all the Ids defined in the APS. by the System
Administrator
Supervisor The name of the person to whom the user is reporting. These names are set
The dropdown list displays names of the employees at by the System
the supervisor’s role in the company Administrator
User Status The current status of the user. The options are: -
• Active
• Inactive
User Enabled To indicate if the user is authorised to perform the The default option is
department tasks Yes.
Office Name Name of the branch office where the user is located. -
The dropdown list displays names of all the branch
offices of the company.
Password This checkbox Indicates if the user password has been By default, this
Initialize initialised checkbox is checked.
Sanction Limit The Rule ID and description of the rule that the user is -
Rule required to make use of which entering, approving or
deleting a loan application. The dropdown list displays
all the rules applicable to the user’s role level.
Last Login Date The date and time when the user had last logged in to -
the system. This is auto-generated by the system in the
dd/mm/yyyy hh:mm:ss format
Pwd Change The date and time when the user last changed the The users are
Date password to access APS. This is auto-generated by the required to change
system in the dd/mm/yyyy hh:mm:ss format their password after a
stipulated period
E – Mail The e-mail id of the user where system can send -
messages to the user
Product The category of the loan, along with the product Id. The -
dropdown list displays all the categories -- Auto Loan
(Auto), Home Loan (Home), and Personal Loan (Pers).
Maker Date Date and time when the record was created. It is generates this
record is added/
modified or
authorised
format.

b. (User) Address Setup

This Master allows you to add contact details of the selected user.
Figure 4-10: The User Address Setup screen
The following table describes the details that need to be recorded in the Login Day Master.

Contact person The name of the contact person -
BP Id The Bp Id of the person -
Address The address of the inspector -
Address Type The type of the address -
Country The country of residence. -
State The state of residence -
City The city of residence -
STD/ISD The STD/ISD code -
Zip code The zip code of the residence -
Phone 1 The first phone number -
Phone 2 The second phone, in case available -
FAX The FAX number -
Mobile The mobile number, in case available -
E-mail The Email Id of the person. -
TELEX The TELEX -
Pager The pager number, in case available. -
Years at this address The number of years the person has resided in -
this address
Mailing address Checked option box means the given address Checked option
type can be used as the mailing address box means the

given address type
can be used as the
mailing address
Inactive A selected check box indicates that the given With this
address is no more applicable functionality, you
do not need to
delete an inactive
address
format.
Status The current status of the record. The status can The system
be Inserted, Modified or Authorised. generates this
information when
the record is
added/ modified or
authorised
Author Id Id of the user who has authorised the record in The system
the system generates this
Author Date Date and time when the record was authorised. It information when
is displayed in the dd/mm/yyyy hh:mm:ss (24- the record is
hour) format. authorised
c. The Login Day Master

The Login Day Master allows you to grant access rights to the user for the required day and
time. By default, all users are granted access right from Monday 00:00 hrs to Saturday 25:59
hrs.
You cannot add details of the login day rights without setting up the user
Figure 4-11: The Login Day Master screen
The following table describes the details that need to be recorded in the Login Day Master.

User ID Displays the Id assigned to the selected user This is generated by the
system
Login Start Time The beginning of the period in the hh:mm format when -
the user can start login on a given day
the user can start login on a given day

Login End Time The end of the period in the hh:mm format after which -
the selected user cannot start login on a given day
Maker Id Id of the user who has added the record in the system The system generates
Maker Date Date and time when the record was created. It is this information when
format.
format.
• The grid lists all the days of the week and the login access allowed for each. To
change the default or an entered time, select the day in the grid and change the time
in the entry fields above the grid.
4.1.6 User Role Mapping

This Master allows you to map a user to the various roles, as required.
Figure 4-12: The User Role Mapping screen

To map the User Id and Role:
1. Select the User name from the dropdown list, whose Id you want to map with the
required role/roles.
2. The grid below the entry fields shows all the roles defined in APS. Select the role you
want to map to the selecetd User Id and click on Enable in the corresponding row.

4.1.7 Holiday Master

The Holiday Master allows you to set up holidays and their descriptions for a branch of a
company.
Figure 4-13: The Holiday Master screen

The following table describes the data recorded in the Holiday Master.

Office Name The branch name of the company Different branches can
have separate holiday
lists.
Holiday Date The date on which the holiday is marked -
Holiday Desc. The description of the holiday -
Active This checkbox indicates the status of the holiday. A -
selected checkbox means the holiday status is active
and it is included in the holiday list of the branch.
format.
format.

4.1.8 Lifestyle Master

This Masters lets you label the fields, as required specifically by the bank, to add lifestyle or
miscellaneous details of the applicant. The screen thus prepared can be accessed to add
miscellaneous details of the applicant, while adding the Basic Details of Applicant, in the APS
Online application.
Figure 4-14: The Lifestyle Master screen

The following table describes the data recorded in the Holiday Master.

Field Id Identification code assigned to the field Different branches can
have separate holiday
lists.
Field Name The name of the field, as displayed in the APS Mandatory
Miscellaneous screen
Field Label The name of the field, as displayed in the APS Mandatory
Miscellaneous screen
Block Name Name of the associated block Mandatory
Data Type Type of data to be entered, such as numeric only, Mandatory
alphanumeric, and words only
Length The number of the characters that can be entered in Mandatory
the text box for the field
Mandatory Indicates if the field is to be marked as mandatory Mandatory
format.

format.
4.1.9 Security Access Master

The Security Access Master allows you to define roles and permissions applicable to them.
Figure 4-15: The Security Access Master Screen

The following table describes the data required in the Security Access Master.

Role The role to which permissions are to be attached -
Master The selected check box indicates that the user role has A user can be
access to the APS Master application given access to
Transaction The selected check box indicates that the user role has both the
components of the
access to the APS online Transaction application
APS application

4.1.10 Master Audit log
Figure 4-16: The Master Audit Log screen

The following table describes the data required in the Master Audit log.

Master Listing/Audit These options indicate if you cant to view details You can select only one
trail of the Master listing or the audit trail of these options
From Date The start date of the period for which the audit The date is in the
log is required dd/mm/yyyy format
To Date The end date of the period for which the audit log The date is in the
is required dd/mm/yyyy format
Master Name The name of the master whose audit log is If no Master is selected,
required appropriate data from
all the Masters is
displayed
The search results are displayed in a grid below the search fields. The rows are displayed in
any of the following three colours:
• Blue: To show data that has been approved
• Red: To show data that has been deleted
• Green: To show data that has been modified
4.1.11 Business Date Master

This Master allows you to set a business date for a transaction, if it is to be different from the
current date.

Figure 4-17: The Business Date Master screen

The following table describes the data required in the Business Date Master.

Current Business The current date is displayed in the -
Date dd/mm/yyyy format
Next Business Date -
system information when the
Maker Date Date and time when the record was created. It record is added
hour) format.
can be Inserted, Modified or Authorised. information when the
record is added/ modified
or authorised
4.1.12 Security Parameter Master

The Security Parameters Master is used for managing the security parameters of the
password field. Certain parameters for ensuring password security are displayed in the grid
below the entry fields. You can change the value for each of them, as required.

Figure 4-18: The Security Parameters Master screen

The following table describes the data required in the Security Parameters Master.

Value The default password value of the selected When you select a
parameter parameter in the grid, its
value is displayed in the
entry fields
system this information when the
hour) format.
be Inserted, Modified or Authorised. this information when the
or authorised
the system this information when the
Author Date Date and time when the record was authorised. record is authorised
It is displayed in the dd/mm/yyyy hh:mm:ss (24-
hour) format.
4.2 Common Masters

Masters in this category involve all the details related to asset information, Employee
exposure limits, entities, and loan norms. There are 11 Masters in this category, as shown in
Figure 3-16. All of these are described in this section.

Figure 4-19: The Common Masters
4.2.1 Asset Category Setup Masters

a. Asset Master
The asset Master describes the details of asset block used by the company.
Figure 4-20: The Asset Master screen

The following table describes the data required in the Asset Master.

Asset Block Id This is the Id of the asset block This is generated by

the system
Asset block The description of the asset block -
description
generates this
Maker Date Date and time when the record was created. It is
displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format.
record is added
record is added/
modified or
authorised
Author Date Date and time when the record was authorised. It is information when the
displayed in the dd/mm/yyyy hh:mm:ss (24-hour) format. record is authorised
b. Asset Category Master

The Asset Category Master describes the category of the asset depending on the insurance
premium, investment allowance and other parameters. You cannot add details of the asset
category without defining the asset first.
Figure 4-21: The Asset Category Master Screen.

The following table describes the data required in the Asset Category Master.

Asset Block ID The identification code of the selected asset -
block
Category ID The identification code of the selected asset Mandatory
category
Category Description The Description of the asset category Mandatory
CO Depreciation Description of the branch office Mandatory
IT Depreciation The IT Depreciation on the asset value Mandatory

RBI Code L The applicable RBI Code L Mandatory

RBI Code H The applicable RBI Code H Mandatory
Insurance premium The insurance premium to be paid for the asset’s Mandatory
insurance
Dep. Benefit The depreciation benefit -
Investment Allowance The investment allowance -
Annual allowance The annual allowance -
Investment allowance The investment allowance benefits -
benefits
Annual Allowance The annual allowance benefits -
Benefits
GLTV The Gross Loan to Value ratio -
NLTV The Net Loan to Value ratio -
Life The life of the asset -
Variance The variance of the asset -
displayed in the dd/mm/yyyy hh:mm:ss (24-hour) record is added
format.
record is added/
modified or
authorised
Author Date Date and time when the record was authorised. It information when the
is displayed in the dd/mm/yyyy hh:mm:ss (24- record is authorised
hour) format.
c. Model Master
The model Master describes the model of the asset depending upon the make, the
manufacturer and other parameters.

Figure 4-22: The Model Master Screen

The following table describes the data required in the Model Master.

Make/Model These options allow you to enter/view details of On selection either
the asset according to its make or model options, fields related to
the other options are
disabled
Category The selected category of the asset model. This is generated by the
system
ID The Id of the selected asset category This is generated by the
system
Model The model of the asset Mandatory
Make The make of the asset Mandatory
Manufacturer The manufacturer of the asset. Mandatory
LTV The Loan to Value ratio for the asset -
Net LTV The net Loan to Value ratio for the asset -
Body funding The Body funding of the asset -
Body Funding % The body funding percentage of the asset -
Chassis Funding The chassis funding of the asset -
Chassis funding % The chassis funding percentage of the asset. -
Variance The difference in the funding -
Max Funding The maximum funding for the asset -
format.

hour) format.
d. Asset Product Master

The asset product Master describes the asset on the basis of the loan product and the status.
Figure 4-23:The Asset-Product Master screen

The following table describes the data required in the Asset –Product Master.

Product The category of the loan, along with the product Id. -
The dropdown list displays all the categories --
Auto Loan (Auto), Home Loan (Home), and
Personal Loan (Pers).
Status The current status of the loan product for the Some roles are
selected asset for which loan is required. applicable only
The status can be active or inactive for certain loan
products
4.2.2 Charge Masters

These Masters help you define the various charges that are levied during the various stages
of loan processing. You can assign codes to the different charges and set the upper limit for
each. There are two categories of Charge Masters – Change Code Masters and Charge
Definition Master.
4.2.2.1 Change Code Master

The Charge Code Master describes the various charges that are levied during the loan
processing stages.

Figure 4-24: The Charge Code Master screen

The following table describes the data required in the Charge code Master.

Charge Code ID The identification code assigned to the type of Each charge type is
charge given a code by the
system automatically
Charge The description of the charge code This helps the other
Description users understand the
charge code
Module Id The identification code assigned to the module -
Charge time The time or stage when the charge is levied -
Manual Advice Indicates whether expert advice is necessary. The -
options are Yes and No.
LPP Calculation The LPP Calculation -
Waive off flag Yes or No value in this field indicate if the change -
can be waived off
Discount type The type of discount, if any, given on the charge -
Short received The status of short amount received -
format.

format.
4.2.2.2 Charge Definition Setup

This Master helps you add details to the charge defined in the system in the previous Master.
There are two sub-Masters in this category -- Charge Master and Slab Master. You cannot
add details of the charge before defining a change code.
a. Charge Master
You can add all the details of the change defined earlier using the Charge Master.
Figure 4-25: The Charge Master

The following table describes the data required in the Charge Master.

Charge ID The identification code of the selected charge This is generated by the
system (from the
Charge Code Master)
Charge Desc. The description of the charge This is generated by the
system (from the
Charge Code Master)
Txn type The type of transaction -
Charge type The type of charge applied -
Txn ID The identification code assigned to the transaction -
type
Rate The rate of the charge -
BP Type The type of Business Partner The charge may differ
for each business
partner type

Amount The amount of the charge -

BP ID The identification code assigned to the business -
partner
Min. Charge The minimum charge amount that can be levied for -
Amount the specified transaction and BP types
Candidate Attr The Candidate Attributes. This value is auto- -
generated on the basis of the selected transaction
type
Rate Valid Till The date until which the specified rate is valid and The bank can revise the
need not be revised. The date is entered in rate from time to time
dd/mm/yyyy format.
Calculated On The component on which the charge is calculated -
Slab Type The slab type for the charge The slab type may differ
due to various factors,
as defined in the Slab
Master
Round Off Till The nearer upper or lower paisa or rupee until -
which the charge is rounded off
Receipt/Payment One of these options is selected from the -
dropdown list to indicate if the charge is a receipt or
a payment.
Currency The currency in which the charge is levied The default value in this
version of system is
INR.
Advice Flag A selected check box Indicates whether expert -
advice is necessary
format.
format.
b. Slab
This Master helps you set upper and lower limits to the charges to be levied. You can access
the Slab Master only after you have defined a charge and selected the charge type as Slab.

Figure 4-26: The Slab Master screen

The following table describes the data required in the Charge Master.

Charge ID The identification code of the selected charge This is generated by the
system (from the
Charge Code Master)
Slab ID The description of the charge This is generated by the
system (from the
Charge Code Master)
Slab Min. Amount The lower limit for the charge amount Mandatory
Slab Max. Amount The upper limit for the charge amount Mandatory
Type The type of the charge -
Rate The rate of the charge -
Amount The amount of the charge -
Status The status can be Inserted, Modified or Authorised. The system generates
this information when
4.2.3 Employer Exposure Limit Master

This Master helps you set the exposure limit for any company. This means, you can set a
limit above which corporate loan cannot be granted to an employee of a particular company.
The terms and conditions for the corporate loan are different from those of the individual
loans.

Figure 4-27: The Employer Exposure Limit Master Screen

The following table describes the data required in the Employer Exposure Limit Master.

Product Name The name of the loan product. The dropdown Only specific
list displays all the loan products -- Auto Loan products can be
(Auto), Home Loan (Home), and Personal selected for a
Loan (Pers). particular company
Currency Name The currency in which the loan is given The default value
in this version of
APS is INR.
Employer Name The name of the employer or the company Mandatory
Office Name The name of the office or the branch of the -
company
Limit The upper limit of the exposure in Rupees Mandatory
Threshold The lower limit of the exposure in Rupees Mandatory
Exposure The amount of the exposure allowed -
information when
Maker Date Date and time when the record was created. It
is displayed in the dd/mm/yyyy hh:mm:ss (24- the record is added
hour) format.
Status The current status of the record. The status The system
can be Inserted, Modified or Authorised. generates this
information when
the record is
added/ modified or
authorised
information when
Author Date Date and time when the record was
authorised. It is displayed in the dd/mm/yyyy the record is
hh:mm:ss (24-hour) format. authorised

4.2.4 Entities Masters

The Entity Masters help you add and view details of the various entities that may be working
for the processing of loan applications, such as agency, DSA, broker, and company.
4.2.4.1 Agency Setup Master

a. Agency Master
Figure 4-28: The Agency Master screen

The following table describes the data required in the Agency Master.

Agency Id The Agency Id -
Agency code The code number of the agency -
Agency name The name of the agency -
Agency Type The type of the agency -
Active flag Indicates if the selected agency is currently active or -
not
Activity The type of activity carried out by the agency. -
format.

format.
b. Agency Branch Link Master
Figure 4-29: The Agency Branch Link Master screen

The following table describes the data required in the Agency Branch Link Master.

Agency Id Identification code assigned to the selected agency This is generated by
the system
Branch The name of the branch of the company -
Status The status of the branch of the company -
4.2.4.2 Architect Setup Master

a. Architect Master
The architect Master details the architects defined in the system.

Figure 4-30: The Architect Master

The following table describes the data required in the Architect Master.

Architect ID Identification code assigned to the architect This is generated by
the system
Architect Name The name of architect -
Building ID Identification of the building associated with the -
architect
Project Id The name of the project with which the architect is -
associated
record is added
format.
record is added/
modified or
authorised
record is authorised
record is added

b. Address Setup Master
Figure 4-31: The Architect Address Setup Master

The following table describes the data required in the Builder Address Setup Master.

Contact person The name of the contact person at the
architect’s office
BP Id The identification code assigned to the This is auto-generated
business partner by the system
Address The address of the architect’s office
Address Type The type of the address
Country The country where the architect’s office is
located
State The state where the architect’s office is
located
City The city where the architect’s office is
located
STD/ISD The STD/ISD code of the architect r’s office
phone
Zip code The zip code where the architect office is
located
Phone 1 The first phone number at the architect ‘s
office
Phone 2 The second phone, if any, at the architect ’s
office
FAX The fax number, if any, at the architect’s
office
Mobile The mobile number, if any, on which the
architect’s office can be contacted
E-mail The e-mail Id of the person , if any, at the
architect’s office

TELEX The telex number of the architect’s office

Pager The pager number, if any, on which the
architect ’s office can be contacted
Years at this Address The number of years that the office is located
at the given address
Mailing address Checked option box means the given Checked option box
address type can be used as the mailing means the given
address address type can be
used as the mailing
address
delete an inactive
address
Maker Id Id of the user who has added the record in The system generates
Maker Date Date and time when the record was created. the record is added
It is displayed in the dd/mm/yyyy hh:mm:ss
(24-hour) format.
Status The current status of the record. The status The system generates
can be Inserted, Modified or Authorised. this information when
Author Id Id of the user who has authorised the record The system generates
in the system this information when
Author Date Date and time when the record was the record is authorised
c. City Mapping Master
Figure 4-32: The City Mapping Master

The following table describes the data required in the Agency Branch Link Master.
Architect Name Name of the architect This is generated
by the system
City ID The identification code assigned to the city to which -
the architect is linked
City Name The name of the city -

4.2.4.3 Builder Setup Master

a. Builder Setup Master
Figure 4-33: The Builder Setup Master screen

The following table describes the data required in the Builder Master.

Builder Id The identification assigned to the builder -
Builder Name The name of the builder -
Exposure The maximum amount than can be given as loan to -
Amount the builder
Website The Website of the builder -
Exposed Amount The amount of the loan that the builder has already -
used
Max Amount The maximum amount that has been financed -
Financed
Total Flats Total number of flats constructed by the builder -
Max Flats The number of flats which can be financed -
Financed
format.


The Address Setup Master describes the contact details of the builder.
Figure 4-34: The Builder Address Setup Master

The following table describes the data required in the Builder Address Setup Master.

builderr’s office
Address The address of the builder’s office
Country The country where the builder’s office is
located
State The state where the builder’s office is located
City The city where the builder’s office is located
STD/ISD The STD/ISD code of the builder’s office
phone
Zip code The zip code where the builder office is
located
Phone 1 The first phone number at the builder‘s office
Phone 2 The second phone, if any, at the builder’s
office
FAX The fax number, if any, at the builder’s office
builder’s office can be contacted


builder’s office
TELEX The telex number of the builder’s office
builder’s office can be contacted
Years at this Address The number of years that the office is located
at the given address
used as the mailing
address
delete an inactive
address
(24-hour) format.
c. Builder-Office Setup Master
Figure 4-35: The Builder-Office Setup Master

The following table describes the data required in the Builder-Office Setup Master.

Builder ID The identification assigned to the builder -
Office ID The identification of the office to which the This is auto-generated
builder is linked by the system
(24-hour) format.
4.2.4.4 Company Setup Master

The Company Setup Master describes the details of the company.
Figure 4-36: The Company Setup Master screen

The following table describes the data required in the Company Setup Master.


Company Id The Id of the company
Company description The detailed description of the company.
is displayed in the dd/mm/yyyy hh:mm:ss (24- record is added
hour) format.
record is added/
modified or
authorised
Author Date Date and time when the record was authoris ed. information when the
It is displayed in the dd/mm/yyyy hh:mm:ss (24- record is authorised
hour) format.
4.2.4.5 D
SA Setup Masters
These Masters help you set up the direct selling agents for the bank. These include Masters
for setting up brokers, their details and the product and exposure limit for each.
a. Broker Master
The Broker Master describes details of the broker.
Figure 4-37: The Broker Master screen

The following table describes the data required in the Broker Master.


Broker name The name of the broker -
Limit The exposure limit assigned to the specified -
broker
Active Indicates if the current status is active or not -
Exposure The exposure amount. -
Date The date when the broker is added to the system -
Bank Code The code of the bank -
Bank Branch The name of the branch of the bank -
Banker’s name The name of the banker -
Banker’s branch The branch name of the branch of the Banker -
Composition The composition of the DSA company -
Sanctioning The sanctioning limit -
Disbursal due The due amount of the disbursal -
Incentive due The due amount of the incentive -
Payment The amount of the payment to be made -
Frozen If the DSA has been de-activated -
format.
hour) format.

The Address Setup Master describes the address details of the broker. You can add these
details only after setting up a broker in the system.

Figure 4-38:The Address Setup Master screen

The following table describes the data required in the Address setup Master.

Contact person The name of the contact person
Address The address of the person
Country The country of residence.
State The state of residence
City The city of residence
STD/ISD The STD/ISD code
Zip code The zip code of the residence
Phone 1 The first phone number
Phone 2 The second phone, in case available
FAX The FAX number
Mobile The mobile number, in cas e available
E-mail The Email Id of the person.
TELEX The TELEX
Pager The pager number, in case available.
Years at this address The number of years the person has resided
in this address
used as the mailing
address
Inactive A selected check box indicates that the With this functionality,
given address is no more applicable you do not need to
delete an inactive
delete an inactive
address
(24-hour) format.
c. Office Mapping Master

This user helps you map a DSA to certain specific or all the branches of the bank.
Figure 4-39: The Office Mapping Master screen
d. Product Mapping Master

The product Mapping Master describes the Product Mapping for which the selected DSA is
authorised.

Figure 4-40: The Product Mapping Master Screen

The following table describes the data required in the Product Mapping Master.

Broker name The name of the selected broker This is auto-generated
by the system
Product The loan product, in which the selected DSA To be selected from the
can deal dropdown list of the
given loans
e. The Exposure Master

The Exposure Master describes the exposure limit given to the broker.
Figure 4-41: The Exposure Master screen

The following table describes the data required in the Exposure Master.


Broker name The name of the selected broker This is auto-generated
by the system
Product The name of the loan product the broker can This is auto-generated
deal in by the system from the
previous Master
Office The office name This is auto-generated
by the system from the
earlier Master
Amount exposure The amount of exposure allowed to the Mandatory
broker
No. of days The number of days for which the exposure Mandatory
is allowed
Units The units Mandatory
4.2.4.6 Employer Setup

a. The Employer Master
The Employer Master describes the details of the employer such as the employer name and
the industry.
Figure 4-42: The Employer Master screen

The following table describes the data required in the Employer Master.

Employer Id The identification code assigned to the employer -
Employer name The name of the employer -
DSA Emp Flag The DSA EMP Flag -
Worklist Emp Flag The worklist Emp Flag -
The Sector The Sector name -
Industry Id The Id of the industry -

Super Group The associated super group -

Employer category The category of the employer -
Deal source The source of the deal -
format.
information when
the record is
added/ modified or
authorised
information when
b. The Address Master

The Address Master describes the address details of the employer.
Figure 4-43: The Address Master screen

The following table describes the data required in the Address Master.

BP Id The Bp Id of the person This is auto-generated by
the system
Contact person The name of the contact person Mandatory
Address The address of the person Mandatory

Branch Type The type of the office branch, whether CO, BO,
HO or any other
Address Type The type of the address Mandatory
Country The country of residence. Mandatory
State The state of residence Mandatory
City The city of residence Mandatory
TELEX The TELEX -
this address
Mailing address Checked option box means the given address Checked option box
type can be used as the mailing address means the given address
type can be used as the
mailing address
address is no more applicable you do not need to delete
an inactive address
system this information when the
Maker Date Date and time when the record was created. It is record is added
format.
be Inserted, Modified or Authorised. this information when the
or authorised
Author Date Date and time when the record was authorised. It record is authorised
hour) format.
4.2.4.7 Group Setup Master

The Group Setup Master describes the setting up of groups.

Figure 4-44:The Gr oup Setup Master screen

The following table describes the data required in the Group Setup Master.

Group ID The ID of the Group
Group code The code of the group
Description The detailed description of the group
Exposure amount The amount of exposure
Exposed amount The amount Exposed.
Maker Id Id of the user who has added the record in The system generates this
the system information when the
Maker Date Date and time when the record was record is added
created. It is displayed in the dd/mm/yyyy
Status The current status of the record. The The system generates this
status can be Inserted, Modified or information when the
Authorised. record is added/ modified
or authorised
Author Id Id of the user who has authorised the The system generates this
record in the system information when the
Author Date Date and time when the record was record is authorised
authorised. It is displayed in the
dd/mm/yyyy hh:mm:ss (24-hour) format.
4.2.4.8 Industry Master

The Industry Master describes the industry details.

Figure 4-45: The Industry Master screen

The following table describes the data required in the Industry Master.

Industry Id The Id of the industry
Industry Description The detailed description of the industry.
Maker Date Date and time when the record was record is added
created. It is displayed in the dd/mm/yyyy
Status The current status of the record. The The system generates this
status can be Inserted, Modified or information when the
Authorised. record is added/ modified
or authorised
Author Id Id of the user who has authorised the The system generates this
record in the system information when the
authorised. It is displayed in the
dd/mm/yyyy hh:mm:ss (24-hour) format.
4.2.4.9 Insurance Company Setup

a. Insurance Company Master
The Insurance Company Master describes the Insurance Company.

Figure 4-46: The Insurance Company Master screen

The following table describes the data required in the Insurance Company Master.

Insurance Id The Id of the insurance -
Insurance Description The description of the Insurance. -
Contact Person The name of the contact person -
Address The address of the insurance company -
Phone No 1 The first phone number. -
Phone No 2 The Second phone number, in case available -
TELEX The TELEX number. -
Country The name of the country -
State The name of the state -
City The name of the city -
Zip Code The Zip code of the city -
format.
format.

b. Insurance Branch Link Master

The Insurance Branch Link Master describes the Insurance Branch links.
Figure 4-47: The Insurance Branch Link Master Screen

The following table describes the data required in the Insurance Branch Link Master.

Branch Id The Id of the Branch -
Branch Description The description of the Branch -
Address The address of the insurance company -
Phone No 1 The first phone number. -
Phone No 2 The Second phone number, in case available -
Country The name of the country -
State The name of the state -
City The name of the city -
Zip Code The Zip code of the address -
TELEX The TELEX number. -
Email The Email ID of the branch -
format.
Author Date Date and time when the record was authorised. the record is authorised
It is displayed in the dd/mm/yyyy hh:mm:ss (24-
hour) format.
4.2.4.10 The Introducer Master
Figure 4-48: The Introducer Master screen

The following table describes the data required in the Introducer Master.

Introducer Code The code of the introducer -
Introducer Name The name of the introducer -
Introducer Information The information specific to the introducer. -
Maker Date Date and time when the record was created. record is added
(24-hour) format.
or authorised
Author Id Id of the user who has authorised the record The system generates this
in the system information when the
4.2.4.11 Lawyer Setup

a. Lawyer Master
The Lawyer Master describes the Lawyer details.

Figure 4-49: The Lawyer Master screen

The following table describes the data required in the Lawyer Master.

Lawyer ID The ID code of the lawyer -
Lawyer Name The name of the lawyer -
(24-hour) format.
can be Inserted, Modified or Authorised. this information when the
or authorised
in the system this information when the
b. Lawyer Office Link Master

The Lawyer Office Link Master details the Lawyer Office Link.

Figure 4-50: The Lawyer Office Link Master screen

The following table describes the data required in the Lawyer Office Link Master.

Lawyer ID The ID code of the lawyer -
Office ID The ID of the office -
Status The current status of the record. The status can be -
Inserted, Modified or Authorised.
c. Lawyer Address Master

The Lawyer Address Master details the Address .
Figure 4-51: The Lawyer Address Master

The following table describes the data required in the Lawyer Address Master.

lawyer’s office
Address The address of the lawyer’s office
Country The country where the lawyer’s office is
located
State The state where the lawyer’s office is
located
City The city where the lawyer’s office is located
STD/ISD The STD/ISD code of the lawyer’s office
phone
Zip code The zip code where the lawyer’s office is
located
Phone 1 The first phone number at the lawyer’s office
Phone 2 The second phone, if any, at the lawyer’s
office
FAX The fax number, if any, at the lawyer’s office
lawyer’s office can be contacted
lawyer’s office
TELEX The telex number of the lawyer’s office
lawyer’s office can be contacted
Years at this Address The number of years that the office is
located at the given address
used as the mailing
address
delete an inactive
address
(24-hour) format.

d. Agency Mapping Master

The Agency Mapping Master lists the agencies linked with the lawyer.
Figure 4-52: The Agency Mapping Master screen

The following table describes the data required in the Lawyer Office Link Master.

Lawyer ID The Id of the lawyer -
Agency ID The Id of the agency mapped with the lawyer -
Agency Name The name of the agency mapped with the lawyer -
Status The current status of the record. The status can be -
Inserted, Modified or Authorised.
4.2.4.12 Manufacturer Master

The manufacturer Master describes the manufacturer details.

Figure 4-53: The Manufacturer Master screen

The following table describes the data required in the manufacturer Master.

Manufacturer ID The ID of the manufacturer
Manufacturer The detailed description of the manufacturer
Description
(24-hour) format.
can be Inserted, Modified or Authorised. this information when the
or authorised
in the system this information when the
4.2.4.13 Marketing Officer Setup

a. Inspector Master
The Inspector Master describes the details of the inspecting officer.

Figure 4-54: The Inspector Master screen

The following table describes the data required in the Inspector Master.

Officer type Marketing officer or DME, as the case might be. -
Inspector ID The ID of the Inspector -
Inspector Name The name of the Inspector -
Incentive (%) The incentive (%) to be given to the inspector -
Region The Region of operation -
Exposure amount The amount of exposure -
Exposed amount The amount exposed -
DSA name The name of the DSA -
format.
information when
the record is
added/ modified or
authorised
b. Address Master
The Address Master contains details of the address.



BP Id The Bp Id of the person -
Address The address of the inspector -
TELEX The TELEX -
this address
Mailing address Checked option box means the given address Checked option
given address type
can be used as the
mailing address
Inactive A selected check box indicates that the given With this
address is no more applicable functionality, you
do not need to
do not need to
delete an inactive
address
format.
information when
the record is
added/ modified or
authorised
4.2.4.14 Rate/Risk/FLG Setup

a. Rate/Risk/FLG Master
The Rate/Risk/FLG Master contains the Rate, Risk or FLG details, as applicable.
Figure 4-56: The Rate/Risk/FLG Master screen

The following table describes the data required in the Rate/Risk/FLG Master.

Lessor ID The ID of the Lessor -
Lessor Name The Name of the Lessor -
Rate/Risk/FLG type The Rate/Risk/FLG type The Rate Slab Master
cannot be accessed
cannot be accessed
unless the Rate/Risk/FLG
type is Rate
BP Type Category of the business partner -
BP ID The Identification code given to the business -
partner by the bank
Consortium (%) The Consortium percentage -
Commission (%) The Commission percentage -
Valid till The date until validity lasts. -
system information when the
hour) format.
or authorised
Author Id Id of the user who has authorised the record in The system generates this
b. Rate Slab Master

The Rate Slab Master contains the Rate Slab details.
Figure 4-57: The Rate Slab Master screen

The following table describes the data required in the Rate Slab Master.

From Rate The start range of the rate -
To Rate The ending range of the rate -

Benefit The benefit -

Status The status -
4.2.4.15 RBI Master

The RBI Master contains Master information about the applicable RBI regulations.
Figure 4-58:The RBI Master screen

The following table describes the data required in the RBI Master.

RBI Description The description of the RBI
(24-hour) format.
4.2.4.16 RTO Master

The RTO Master contains the RTO details.

Figure 4-59: The RTO Master screen

The following table describes the data required in the RTO Master.

RTO Id The Id of the RTO -
RTO Name The name of the RTO -
RTO Code The Code of the RTO -
Branch Id The Id of the Branch -
Contact name The name of the contact person -
Address The detailed address of the RTO -
Phone 1 The first phone number of the RTO -
Phone 2 The Second phone number of the RTO, in case -
available
FAX The Fax number -
State Id The State Id of the RTO -
TELEX The Telex number -
City The City of residence of the RTO -
Email ID The Email ID of the RTO -
City zip The zip code of the city -
format.

information when
the record is
added/ modified or
authorised
4.2.4.17 Super Group Master

The Super Group Master contains details of the super groups that have been created.
Figure 4-60: The Super Group Master screen

The following table describes the data required in the Super Group Master.

Super group ID The ID of the Super Group -
Super Group Code The code of the Super Group -
Description The description of the Super Group -
information when
format.
information when
the record is
added/ modified or
authorised
information when
4.2.4.18 Supplier Setup

Supplier setup describes the supplier details.
a. Supplier Master
The Supplier Master contains details of the supplier.
Figure 4-61: The Supplier Master screen

The following table describes the data required in the Supplier Master.

Supplier Name The name of the supplier
State ST Num. The State ST Num.
Central ST Num. The Central ST Num.
IT Num. The IT Num.
Supplier dealer The dealer of the supplier
Bank A/c No. The bank account number of the supplier
VAT A/c No. The VAT Account number
Limit The limit allowed to the supplier
Status The current status of the supplier
Valid from From when valid
Valid Till Till when valid
PAN/Gir No. The PAN/Gir number
Exposure The amount of exposure
information when

format.
information when
the record is
added/ modified or
authorised
information when
Author Date Date and tim e when the record was authorised. It
b. Address Master
The address Master contains details of the addresses.

BP Id The BP Id of the person -
Address The address of the person -


TELEX The TELEX number -
this address
type can be used as the mailing address means the given
address type can be
used as the mailing
address
delete an inactive
address
hour) format.
record is added/
modified or
authorised
Author Date Date and time when the record was information when the
authorised. It is displayed in the dd/mm/yyyy record is authorised
c. Office Mapping Master

With the help of this Master, you can map a supplier to a specific or all the offices.

Figure 4-63: The Supplier Office Master screen

d. Product Mapping Master
With the help of this Master, you can map a supplier to a specific or all the loan products.
Figure 4-64: The Supplier Product Mapping Master screen

e. Manufacturer mapping Master
With the help of this Master, you can map a supplier to a specific or all the manufacturers of
the asset product.

F
igure 4-65: The Supplier Manufacturer Mapping screen
4.2.5 External Institutes Master

4.2.5.1 Bank Master
The Bank Master contains details of the bank, such as the bank name, and branch name.
Figure 4-66: The Bank Master screen

The following table describes the data required in the Bank Master.

Bank Id The Id of the Bank -
Bank name The name of the Bank -

Branch Name The name of the bank Branch -

Contact name The name of the contact person at the bank -
Address The address of the bank -
Phone 1 The first phone number of the bank -
Phone 2 The second phone number of the bank -
Country The country of location of the bank -
FAX The fax number of the bank -
State The state of location of the bank -
Telex The telex number of the bank -
City The city of location of the bank -
Email Id The Email Id for the bank -
Zip code The zip code for the city -
URL The URL for the web page of the bank -
Cash/Bank Cash or bank, as appropriate -
Account type The type of account at the bank -
information when
format.
information when
the record is
added/ modified or
authorised
format. authorised
4.2.5.2 Institute Setup

a. Institute Master
The Institute Master contains details of the Institute.

Figure 4-67: The Institute Master screen

The following table describes the data required in the Institute Master.

Institute Id The Id of the Institute -
Institute name The name of the Institute -
Maker Date Date and time when the record was created. It is information when the
format.
record is added/
modified or
authorised
hour) format.
b. Institute Address Master

The Institute Address Master contains details of the Institute address.

Figure 4-68: The Institute Address Master screen

The following table describes the data required in the Institute Address Master.

this address
address type can be
used as the mailing
address
delete an inactive
delete an inactive
address
format.
record is added/
modified or
authorised
hour) format.
c. Courses Master
The Courses Master contains details of the courses conducted by the institute.
Figure 4-69: The Courses Master screen

The following table describes the data required in the Courses Master.

Institute Id The Id of the institute -
Course Id The Id of the course -
Course name The name of the course -
Course duration The duration of the course -
Semester The number of semesters in the course -
Status The current status -

4.2.6 PDC
4.2.6.1 PDC Bank Master
The PDC Bank Master contains details of the PDC Bank.
Figure 4-70: The PDC Bank Master screen

The following table describes the data required in the PDC Bank Master.

Bank Id The Id of the PDC bank -
Bank name The name of the PDC bank -
Bank code The code of the PDC Bank -
City The city of location of the PDC Bank -
dis played in the dd/mm/yyyy hh:mm:ss (24-hour) record is added
format.
record is added/
modified or
authorised
hour) format.
4.2.6.2 PDC Bank Branch Master

The PDC Bank Branch Master contains details of the PDC Bank Branch.

Figure 4-71: The PDC Bank Branch Master screen

The following table describes the data required in the PDC Bank Branch Master.

Bank Branch Id The Id of the PDC bank Branch -
Branch code The code of the PDC bank Branch -
Bank The name of the PDC Bank -
City The city of location of the branch -
Clearing house ID The branch clearinghouse ID -
Bank Branch name The name of the bank branch -
Weekly holiday The weekday on which the branch does not open. -
MICR Since Date The MICR Since date -
MICR Flag The MICR flag -
MICR Code The MICR Code -
format.
information when
the record is
added/ modified or
authorised
information when
format. authorised

4.2.6.3 PDC City Master

The PDC City Master contains the PDC City details.
Figure 4-72: The PDC City Master screen

The following table describes the data required in the PDC City Master.

City ID The ID of the City -
City type The type of the city -
Name The name of the city -
Service Branch The name of the Service Branch -
MICR Flag The MICR Flag -
Branch code The code of the branch -
State The state of location of the city -
Maker Date Date and time when the record was created. It the record is added
hour) format.
4.2.6.4 Clearing House Master

The Clearinghouse Master contains details of the clearinghouse.

Figure 4-73: The Clearinghouse Master screen

The following table describes the data required in the Clearinghouse Master.

Clearinghouse Id The Id of the Clearinghouse -
ClearingHouse Name The name of the Clearinghouse -
City The city of location of the Clearinghouse -
Ecs Flag The Ecs Flag -
Bank The name of the bank -
Branch The name of the bank branch -
Account No. The account number -
Ledger Folio No The ledger folio number -
Amount The amount -
information when
format.
information when
the record is
added/ modified or
authorised

4.2.7 Loan Norms Master

The Loan Norms Master contains the loan norms details.
Figure 4-74: The Loan Norms Master screen

The following table describes the data required in the Loan Norms Master.

Loan Norms Id The Loan Norms Id This is auto-generated
by the system
Salary months The Salary months -
IRR The IRR -
Spouse salary Whether the spouse has a salary, yes or no. -
LCR The LCR -
Retirement age The age of retirement -
Years in service The number of years spent in service -
Years in Business The number of years in business. -
hour) format.

4.2.8 General Parameter Master

The General Parameter Master -LMS contains details of the general parameters.
Figure 4-75: The General Parameter Master-LMS screen

The following table describes the data required in the General Parameters Master - LMS.

Los / Lending Whether LOS or Lending -
Module The module -
Scope The scope -
Key Value The key value -
Key 2 value The Key2 Value -
Value The value -
Value Description The description of the value -
Maker Date Date and time when the record was created. It information when the
hour) format.
record is added/
modified or
authorised

4.2.9 General Parameter Master

The General Parameter Master GCD contains details of the General Parameters GCD.
Figure 4-76: The General Parameter Master – GCD screen

The following table describes the data required in the General Parameters Master - GCD.
Module The module -
Scope The scope -
Key Value The key value -
Key 2 value The Key2 Value -
Value The value -
Value Description The description of the value -
format.
information when
the record is
added/ modified or
authorised
format. authorised

4.2.10 Template Master

The Template Master contains details of the templates.
Figure 4-77: The Template Master screen

The following table describes the data required in the General Parameters Master - GCD.

Template Id The Id of the Template -
Template name The name of the Template -
Template type The type of the Template -
Priority The priority -
Template Mode The mode of the template -
Process flag The process flag can be Yes or No -
HTML Specific Whether the template is HTML Specific -
Active Flag Whether the active status is Yes or No -
Template text The detailed template text. -
information when
format.
information when
the record is
added/ modified or
authorised
format. authorised

4.2.11 Miscellaneous Masters

4.2.11.1 Building Master
The Building Master contains details of the building for which loan is sought.
Figure 4-78: The Building Master screen

The following table describes the data required in the City Details Master.

Builder Id The Id assigned to the builder. -
The name of the builder who is constructing -
Builder
the building.
The name of the project for which the loan is -
Project
sought.
Building Code The code assigned to the building. -
The type of the property on which the building -
Property Type
is constructed.
The name of the building for which the loan is -
Building Name
sought.
The type of the building for which the loan is -
Building Type
sought
The total number of floors in the building for -
Total Floors
which the loan is sought.
Flats Per Floor The number of flats on each floor of the -
building for which the loan is sought.
building for which the loan is sought.

The total number of flats in the building for -
Total Flats
which the loan is sought.
Start Date The date on which the project started. -
End Date The end date of the project. -
The limit of the loan approved for the project by -
Exposure Amount
the financing institute.
The amount of the loan already used for the -
Exposed Amount
project.
The number of flats for which the loan has -
Exposure Flats
been approved by the financing institute.
The number of flats for which the exposed -
Exposed Flats
amount has been used.
The percentage of completion that has been -
Verify Percentage
verified.
The name of the person who has verified the -
Verify By
percentage completion of the project.
Stage of Construction The current stage of construction. -
Building Structure The structure of the building. -
The date on which the project completion -
Verify On
status is verified.
The percentage of the cost incurred by the -
Cost Incurred%
bank for the project.
Verify Till The date till which the verification stands valid. -
The current status of the record. The system
generates this
Status information when the
record is added/
modified or
authorised
The marked checkbox indicates Advance -
ADF Flag
Disbursement.
The marked checkbox indicates Advance -
APF Flag
Processing Fees.
system. generates this
Maker Date Date and time when the record was created. It information when
the record is
hour) format. added
Author Date Date and time when the record was authorised. information when
the record is
(24-hour) format. authorised

4.2.11.2 Billing Master

The Billing Master contains the billing details.
Figure 4-79: The Billing Master screen

The following table describes the data required in the Billing Master.

Billing Cycle code The code assigned to the billing cycle. -
Product The type of loan. -
Approved From Date The date from which the loan is approved. -
Approved On Date The date on which the loan is approved -
Assigned Billing -
The assigned billing cycle
Cycle
The marked checkbox indicates that the -
Enabled Flag
current status of the billing cycle is active.
information when
format.
information when
the record is
added/ modified or
authorised
information when

4.2.11.3 City Details Master

The city details Master contains the city details.
Figure 4-80: The City Details Master screen

The following table describes the data required in the City Details Master.

City code The code number of the city -
City Name The name of the city -
State The state in which the city is located -
format.
record is added/
modified or
authorised
format.
4.2.11.4 Constitution Master

The Constitution Master defines the constitution of a company (if it is a private limited,
partnership, or any other type of firm, or individual (whether salaried, self-employed, or
temporary employee).

Figure 4-81: The Constitution Master screen

The following table describes the data required in the Constitution Master.

Constitution ID The ID of the constitution Auto-generated
Constitution The detailed description of the constitution.
Description
format. added
information when
the record is
added/ modified
or authorised
format. authorised
4.2.11.5 Country Master

The Country Master contains details of the countries.

Figure 4-82: The Country Master screen

The following table describes the data required in the Country Master.

Country Code The code assigned to the country -
Country Name The name of the country --
ISO Code The ISO code of the country -
format.
record is added/
modified or
authorised
format.
4.2.11.6 Currency Rate Type Master

The Currency Rate Type Master contains details of the currency rate type.

Figure 4-83:The Currency Rate Type Master screen

The following table describes the data required in the Currency Rate type Master.

Rate Type Id The Id of the rate type of the currency -
Rate type The description of the rate type of the currency -
description
Rate type The Rate type description L. -
description L
format.
record is added/
modified or
authorised
format.
4.2.11.7 Currency Setup

a. Currency Master
The currency Master defines the various types of currencies that are applicable in the APS
system.

Figure 4-84: The Currency Master screen

The following table describes the data required in the Currency Master.

Currency ID The ID of the currency -
Currency Desc. The description of the currency -
Currency Desc. L -
Issue Country The country that issues the currency -
Issue Country L -
Re Val Code The Re Val code -
Re Val Type The Re Val Type -
Currency sign The sign of the currency -
Currency Decimal -
Round off Param. The Round off parameter for the currency. -
information when
format.
information when
the record is
added/ modified or
authorised
format. authorised

b. Currency Rate Master

The Currency Rate Master contains details of the currency rate.
Figure 4-85: The Currency Rate Master screen

The following table describes the data required in the Currency Rate Master.

Currency ID The ID of the currency -
Rate Type The rate type of the currency -
Multi Factor The Multi Factor of the currency -
Valid from The date from which the current rate is valid -
format.
record is added/
modified or
authorised
format.
4.2.11.8 Customer Category Master

The Customer Category Master contains details of the customer category.

Figure 4-86: The Customer Category Master screen

The following table describes the data required in the Country Master.

Customer The Id of the customer category -
category Id
Description The Description of the customer -
generates this
record is added/
modified or
authorised
sys tem generates this
format.
4.2.11.9 District Master

The District Master contains details of the district.

Figure 4-87: The District Master screen

The following table describes the data required in the District Master.

District Id The Id of the District -
District Description The description of the district -
District The abbreviation for the district. -
Abbreviation
format.
hour) format.
4.2.11.10 Interest Rate Detail Master

The Interest Rate Detail Master contains details of the Interest rate.

Figure 4-88: Interest Rate Detail Master screen

The following table describes the data required in the Interest Rate Detail Master.

Bucket Id The Id of the Bucket Auto-generated
Bucket code The Code of the Bucket -
Product The product can be Auto loan, home loan, or -
personal loan.
Fixed Rate The Fixed Rate -
From Tenure The beginning range of the tenure -
To Tenure The ending range of the tenure -
From Amount The beginning range of the amount -
To Amount The ending range of the amount -
Effective from The date from which the interest rate is effective -
Valid till The date up to which the interest rate is valid -
format.
information when
the record is
added/ modified or
authorised
format. authorised

4.2.11.11 IRR Charges Master

The IRR Charges Master contains details of the IRR Charges.
Figure 4-89: The IRR Charges Master screen

The following table describes the data required in the IRR Charges Master.

IRR Type The type of IRR -
Charge The IRR Charge -
format.
record is added/
modified or
authorised
format.
4.2.11.12 PLR Charges Master

The PLR Charges Master contains details of the PLR charges.

Figure 4-90: The PLR Charges Master screen

The following table describes the data required in the PLR Charges Master.

PLR Charges The PLR Charges -
Description The description of the PLR Charges -
hour) format.
4.2.11.13 PLR Charge Detail Setup

a. PLR Charge Setup Master
The PLR Charge Setup Master contains details of the PLR Charge Setup.

Figure 4-91: The PLR Charge Setup Master screen

The following table describes the data required in the PLR Charges Master.

PLR Charge Id The Id of the PLR Charge -
PLR Charge Type The Type of the PLR Charge -
Period Type Period type can be days or months -
Period The period of the charge -
PLR Description The detailed description of the PLR Charge -
format. added
information when
the record is
added/ modified or
authorised
b. PLR Detail Setup Master

The PLR Detail Setup Master contains details of the PLR Detail Setup.

Figure 4-92: The PLR Detail Setup Master screen

The following table describes the data required in the PLR Detail Setup Master.

PLR Charge Type The Type of the PLR charge -
Currency type The type of Currency -
Rate type The type of Rate -
Effective date The date from which the rate is effective -
PLR The PLR -
Maker Date Date and time when the record was created. It information when
hour) format. added
information when
the record is
added/ modified
or authorised
Author Date Date and time when the record was information when
authorised. It is displayed in the dd/mm/yyyy the record is
hh:mm:ss (24-hour) format. authorised

4.2.11.14 Property Master

a. Property Master
The Property Master describes the details of the property for which loan is sought.
Figure 4-93: The Property Master screen

The following table describes the data required in the Property Master.

Property type Id The Id assigned to the property type. -
Property Type The type of the property. -
Property -
The brief description of the property.
Description
the record is
added
format.
information when
the record is
added/ modified
or authorised
information when
the record is
format. authorised

b. Property Document Master

The Property Document Master describes the details of the documents required for which
loan is sought.
Figure 4-94: The Property Document Master screen

The following table describes the data required in the Property Document Master.

Property Name The name of the property. -
The ID of document to which property is -
Document Id
mapped.
The name of the document to which the -
Document Name
property is mapped.
4.2.11.15 Region Master

The Region Master contains the details of the region.

Figure 4-95: The Region Master screen

The following table describes the data required in the Region Master.

Region Id The Region Id -
Region Description The Description of the Region -
Region Abbreviation The abbreviation of the region. -
format. added
information when
the record is
added/ modified
or authorised
format. authorised
4.2.11.16 State Master

The State Master contains details of the states.

Figure 4-96: The State Master screen

The following table describes the data required in the State Master.

State Id The State Id -
State Description The Description of the State -
Country The country within which the state exists -
format.
record is added/
modified or
authorised
format.
4.2.11.17 Building Wing Details Master

The Wing Details Master contains details of the building wing.

Figure 4-97: The Wing Details Master screen

The following table describes the data required in the Wing Detail Master.

Builder Name The name of the builder. -
Project Name The name of the project. -
Building Name The name of the building. -
Wing Id The Id assigned to the wing. -
Wing Name The name of the wing. -
Total Flats The total number of flats. -
Flats Per floor The number of flats on each floor. -
Current Exposer The wing for which the exposed amount -
Wing has been used.
The limit of the loan approved for the -
Exposure Amount
project by the financing institute.
The number of flats for which the loan has -
Exposed Flats
been approved by the financing institute.
The number of flats for which the exposed -
Exposure Flats
amount has been used.
format.
record is added/
record is added/
modified or
authorised
hour) format.
4.2.11.18 Zip Code Master

The Zip Code Master contains details of the Zip codes.
Figure 4-98: The Zi p Code Master screen

The following table describes the data required in the Zip Code Master.

Zip Code Id The Id of the Zip Code -
State The State in which the Zip Code exists -
City The city associated with the Zip Code -
Range The range can be either single or multiple -
Zip Code The Zip Code -
Zip Description The description of the Zip Code. -
District The District associated with the Zip Code -
information when
format.

information when
the record is
added/ modified or
authorised
4.2.11.19 Public Rating Master

The Public Rating Master contains details of the public rating.
Figure 4-99:The Public Rating Master screen

The following table describes the data required in the Public Rating Master.

Public Rating ID The ID of the Public Rating -
Rating The Rating given by the public -
Code The code of the public rating -
Value The Value given by the Public rating -
information when
format.
information when
the record is
added/ modified or
authorised

information when
the record is
authorised
format.
4.2.11.20 Referral Master

a. Referral Master
Figure 4-100: The Referral Master screen

The following table describes the data required in the Referral Master.

Referral ID The identification assigned to the referral -
Referral Code The identification code assigned to the referral -
Company Name The name of the company -
Referral Name The name of the referral -
Incentive Flag A marked checkbox indicates incentives for the -
referral
Referral Group Type of referral
Product Category Type of loan for which referral is defined
format.
information when
the record is
added/ modified or
authorised

information when
the record is
authorised
format.
b. Address Setup
Figure 4-101: The Referral Master

The following table describes the data required in the Referral Address Master.

Contact person The name of the person who has referred a -
customer
Address The address of the referring customer -
Country The country where the referring customer is -
located
State The state where the referring customer is -
located
City The city where the referring customer is -
located
STD/ISD The STD/ISD code of the referring -
customer’s phone
Zip code The zip code where the referring customer is -
located
Phone 1 The first phone number of the referring -
customer
Phone 2 The second phone, if any, of the referring -
customer

customer
FAX The fax number, if any, of the referring -
customer
Mobile The mobile number, if any, on which the -
referring person can be contacted
E-mail The e-mail Id of the referring person -
TELEX The telex number of the referring person -
Pager The pager number, if any, on which the -
referring customer can be contacted
Years at this Address The number of years that the referring -
customer is living at the given address
used as the mailing
address
delete an inactive
address
(24-hour) format.
4.2.11.21 Source Code Master

The Source Code Master contains details of the source.

Figure 4-102: The Source Code Master screen

The following table describes the data required in the Source Code Master.

Source Id The Id assigned to the source. -
Source Code The code assigned to the source. -
Source Description The brief description of the source. -
Product Category The category of the loan. -
The channel through which The customer -
Acquisition Channel
is acquired.
Distribution Channel The distribution channel for the source. -
Solicitation Method The method of solicitation. -
Activation Process -
The code assigned to the type of interest -
Interest Code Rate levied. This is applicable only for credit
cards.
The percentage deviation that can be -
Interest Deviation
allowed on the interest. This is applicable
Rate
only for personal loans.
Membership Fee The code assigned to the fee to be -
Code charged on the membership.
The Credit investigation to check the credit -
Credit Invest.
worthiness of the customer. It can be
Process
internal or external.
Active Flag This indicates if the current status of the -
source is active.
source is active.
Name of Program The name of the program. -
This indicates if the incentive is allowed to -
Incentive Flag
the source.
format.
record is added/
modified or
authorised
hour) format.
4.2.11.22 Trade Customer Master

The Trade Customer Master contains details of the trade customer.
Figure 4-103: The Trade Customer Master screen

The following table describes the data required in the Public Rating Master.

Trade Id The ID of the Trade -
Customer The name of the customer -
Trace/Credit Trace or credit, as applicable -

Reference name The nam e of the reference -

Relation The relation -
Reference The Reference -
Sales Person The Sales person -
Contact mode The mode of contact, it could be Fax, mail, Personal, -
or telephone
Maker Date Date and time when the record was created. It is information
displayed in the dd/mm/yyyy hh:mm:ss (24-hour) when the
record is
format.
added
information
when the
record is
added/
modified or
authorised
information
record is
format.
authorised
4.3 Field Verification Masters

Masters in this category involve all the details related to FI Agent, Agency setup, FI Type,
and Technical verification. There are 5 Masters in this category as shown in Figure 3-87.
These are described below.
Figure 4-104: Field Verification Masters screen
4.3.1 FI Agent Master

The FI Agent Master Contains details of the FI Agent.

Figure 4-105:The FI Agent Master screen

The following table describes the data required in the FI Agent Master.

Agent Code The code number of the Agent -
Agent Name The name of the Agent -
Agency The agency that the Agent belongs to -
Agent Active In case the Agent is active -
Business Date The date when the transaction is carried out -
format. added
information when
the record is
added/ modified
or authorised
information when
format. authorised
4.3.2 Agency Setup

a. Agency Master
The Agency Master contains details of the agencies, services of which can be used for field
verification.

Figure 4-106: The Agency Master screen
The following table describes the data required in the FI Agent Master.

Agency Id The Agency Id -
Agency Flag Indicates whether the agency is internal or external -
Agency Name The name of the agency -
Agency Active Flag Indicates if the selected agency is currently active or -
not
format. added
information when
the record is
added/ modified
or authorised
information when
format. authorised

The Address Setup Master contains the address details.

Figure 4-107: The Address Setup Master screen
The following table describes the data required in the Address Setup Master.

BP Id The identification code of the business partner -
Address The address of the concerned person -
Country The country of residence of the concerned -
person
State The state where the concerned person lives -
City The city where the concerned person lives -
STD/ISD The STD/ISD code of the concerned person -
Zip code The zip code of the residence of the concerned -
person lives
Phone 1 The first phone number where the concerned -
person can be contacted
Phone 2 The alternative phone, if available, where the -
concerned person can be contacted
FAX The fax number, where messages can be faxed -
to the concerned person
Mobile The mobile number, in case available, of the -
concerned person
E-mail The e-mail Id of the concerned person -
TELEX The TELEX number of the concerned person -
Pager The pager number, in case available, of the -
concerned person

Years at This address The number of years the person has resided in -
this address
address type can be
used as the mailing
address
delete an inactive
address
format.
record is added/
modified or
authorised
Author Date Date and tim e when the record was authorised. It information when the
hour) format.
c. Address Type Setup Master

The Address Setup Master contains the types of addresses of the agency that can be added
to the system, such as office address, mailing address, and registration address.
Figure 4-108: The Address Type Setup Master screen

The following table describes the data required in the Address Type Setup Master.

Address Type ID The unique identification Id assigned to the -
address type

Address Type Name A brief description of the address type -
4.3.3 FI Type Master

The FI Type Master contains details of the FI Type.
Figure 4-109: The FI Type Master screen
The following table describes the data required in the FI Type Master.

FI Type Code The Code of the FI Type -
FI Type Description The Description of the FI Type -
record is
format.
added
information
when the
record is
added/
modified or
authorised
Author Date Date and time when the record was authorised. It is information
record is
format.
authorised

4.3.4 FI Agency Product Branch Mapping Master

The FI Agency Product Branch Mapping Master contains details of the FI Agency Product
Branch Mapping.
Figure 4-110: The FI Agency Product Branch Mapping Master screen

The following table describes the data required in the FI Agency Product Branch Mapping
Master.

FI Agency Product The ID of the FI Agency Product Branch -
Branch ID
FI Agency Product The name of the FI Agency Product Branch -
Branch name
FI Agency The name of the FI Agency --
Branch The Branch of the FI Agency -
Product The Product may be Auto loan, home loan or -
Personal loan
format.
information when
the record is
added/ modified or
authorised
information when
format. authorised

4.3.5 Technical Verification Master

The technical Verification Master contains details of the Technical Verification.
Figure 4-111: The Technical Verification Master screen

The following table describes the data required in the Technical Verification Master.

Verification ID The ID of the verification -
Verification For Product for which verification is required. It can be -
a Property, Project or Building
Agency The name of the agency doing FI -
Project In case it is a project for which FI is being done -
Property In case it is a property for which the FI is being -
done
Builder The name of the builder -
Building In case it is a building for which the FI is being -
done
Verification date The date of verification -
Verification (%) The percentage of verification. -
Remarks The remarks -
information when
format. added

information when
the record is
added/ modified
or authorised
format. authorised
4.4 Processes Masters

Masters in this category involve all the details related to Policy referral, Score referral, Fuzzy
details, and Underwriter questions. There are 4 Masters in this category as shown in Figure 3-94.
These are described below.
Figure 4-112: The Processes Masters screen
4.4.1 Policy Master

a. Policy Master
The Policy Master contains details of the policy referral.
Figure 4-113: The Policy Master screen

The following table describes the data required in the Policy Master.

Policy Set Code The Code of the Policy set -
Policy description The description of the policy -
format. added
information when
the record is
added/ modified
or authorised
format. authorised
b. Policy Detail Master

The Policy Detail Master contains details of the Policy Detail.
Figure 4-114: The Policy Detail Master screen

The following table describes the data required in the Policy Detail Master.
Policy Rule The Policy Rule -
Policy Set Code The code of the Policy Set -
Result The Result -
Rule Sequence The Sequence of the Rule -

information when
the record is
added
format.
information when
the record is
added/ modified
or authorised
format. authorised
c. Policy Result Master

The Policy Result Master contains details of the policy result.
Figure 4-115: The Policy Result Master screen

The following table describes the data required in the Policy Result Master.

Result Id The Id of the Result -
Policy Set Code The Code of the Policy Set -
Result Stream The Result Stream -
Policy action Policy Action may be Black or White or Grey -
Result Description The Description of the result -
Action Priority The Action Priority -
information when

format. added
information when
the record is
added/ modified
or authorised
sys tem generates this
information when
format. authorised
4.4.2 Score Master

a. Scoring Master
The Scoring Master contains details of the Scoring.
Figure 4-116: The Scoring Master screen

The following table describes the data required in the Scoring Master.
Scoring Set Code The Code of the scoring set -
Scoring Description The description of the scoring -
format.

information when
the record is
added/ modified or
authorised
format. authorised
b. Scoring Rule Detail Master

The scoring Rule Detail Master contains details of the scoring rule.
Figure 4-117: The Scoring Rule Detail Master screen

The following table describes the data required in the Scoring Rule Detail Master.

Rule code The code of the Rule -
Scoring Set Code The code of the scoring Set -
Score The Score -
information when
format. added
information when
the record is
added/ modified
or authorised

information when
the record is
authorised
format.
c. Scoring Action Master

The Scoring Action Master contains details of the Scoring Action.
Figure 4-118:The Scoring Action Master screen

The following table describes the data required in the Scoring Action Master.

Scoring set code The code for the scoring set -
Score Start value The start value of the score -
Score End Value The end value of the score -
Result description The des cription of the result -
Scoring Action The Scoring Action -
format.
information when
the record is
added/ modified or
authorised
information when

format. authorised
4.4.3 Fuzzy Detail Master

The Fuzzy Detail Master contains the Fuzzy Details.
Figure 4-119: The Fuzzy Detail Master screen

The following table describes the data required in the Fuzzy Detail Master.

Fuzzy Rule Code The code for the Fuzzy Rule
Fuzzy Rule Description The Description for the Fuzzy rule
First Rule The first rule
information when
format. added
information when
the record is
added/ modified
or authorised
information when
format. authorised
4.4.4 Underwriter Question Setup Master

a. Question Master
The Question Master contains details of the questions to be asked during underwriting.
Figure 4-120: The Question Master screen

The following table describes the data required in the Question Master.

Question ID The ID of the question -
Question Desc The description of the question -
Std. Response The Standard response to the question -
Employment type The type of the employment -
Parent Question Id The Id of the parent Question -
displayed in the dd/mm/yyyy hh:mm:ss (24-hour) when the record
format. is added
b. Question Deviation Master

The Question Deviation Master contains details of the question deviation.

Figure 4-121: The Question Deviation Master screen

The following table describes the data required in the Question Deviation Master.

Question ID The ID of the question --
Response The Response to the question -
Deviation The Deviation -
c. Product Category Mapping Master

The product Category Mapping Master contains details of the product category mapping.

Figure 4-122: The Product Category Mapping Master screen

The following table describes the data required in the Product category Mapping Master.

Question Id The Id of the Question -
Mapping Id The Id of the Mapping -
Product category The category of the product which can be Auto, -
Personal, or Home
Product The applicable loan product -
4.5 Rule Engine Masters

Masters in this category involve all the details related to Parameter, Condition, and Rule.
There are 3 Masters categories in this category as shown in Figure 3-105. These are
described below.
Figure 4-123: The Rule Engine Masters screen

4.5.1 Parameter Master

The Parameter Master contains details of the parameters.
Figure 4-124: The Parameter Master screen

The following table describes the data required in the Parameter Master.

Parameter Id The Id of the parameter -
Parameter Name The Name of the parameter -
Parameter Type The Type of the parameter. It can be Constant, Path -
or Query.
Applicant Specific -
Path/Query -
Parameter Data type This can be Data, Number or Varchar2. -
format.
information when
the record is
added/ modified or
authorised
information when
format. authorised

4.5.2 Condition Master

The Condition Master contains details of the conditions.
Figure 4-125: The Condition Master screen

The following table describes the data required in the Condition Master.

Condition Code The Code of the condition -
Parameter The parameter applicable to the code -
Operator Type The type of the operator. -
Destination Type The type of the Destination -
Constant Value The value of the constant -
Condition Description The description of the condition -
Message on failure The message that is returned on failure -
format.
hour) format.

4.5.3 Rule Master

The Rule Master Contains details of the rules that govern the processing procedures for a
loan application .
Figure 4-126: The Rule Master screen

The following table describes the data required in the Scoring Action Master.

Rule Code The code for the Rule -
Rule Description The Description of the Rule -
Rule Condition The Condition of the Rule -
Rule Enabled The check mark indicates whether enabled or -
not
format.
information when
the record is
added/ modified or
authorised

4.6 Documents Masters

Masters in this category involve all the details related to Document header and Document
Master. There are 2 Masters in this category as shown in Figure 3-109. These are described
below.
Figure 4-127: The Documents Masters screen
4.6.1 Document Header Master

The Document Header Master contains details of the Document Header.
Figure 4-128: The Document Header Master screen

The following table describes the data required in the Document Header Master.

Document Description The description of the document -
Parent Document The name of the parent document -
Document Field1 First document name -
Document Field2 Second document name --
Validity Required Indicates if validity is required

RCU Required In case RCU needs to be done -

format.
information when
the record is
added/ modified or
authorised
4.6.2 Document Master

The document Master contains details of the document.
Figure 4-129: The Document Master screen

The following table describes the data required in the Document Master.

Document The name of the document -
Stage The stage of the document -
Applicable Indicates if the document is applicable or not -
Document Source The source of the document -
Document Description The description of the document -

Constitution The constitution -

Sub category The sub category -
Doc. Classification The classification of the document. It can be general, -
legacy or security
Original Whether the document is required in original -
Loan Type IT can be Hire purchasing, leas e or other -
Product category Category of the associated loan product -
Product The loan product -
Scheme The Scheme that is applicable -
information
record is
format.
added
information
when the
record is
added/
modified or
authorised
record is
format.
authorised
4.7 Deduping Masters

Masters in this category involve all the details related to Deduping. There are 5 Masters in
this category as shown in Figure 3-112. These are described below.
Figure 4-130: The Deduping Masters screen
4.7.1 Fraud Database Setup Master

a. Dedupe Fraud Database Master

The Dedupe Fraud database Master contains details of the Dedupe fraud database.
Figure 4-131: The Dedupe Fraud Database Master screen

The following table describes the data required in the Dedupe Fraud Database Master.

Name The name of the person -
Age The age of the person -
Father name The name of the person’s Father -
Constitution The constitution of the person -
Spouse name The name of the person’s spouse -
Industry The industry the person belongs to -
Group The group the person belongs to -
CST No. The CST Number -
SST No. The SST Number -
Category The category the person belongs to -
Profession The profession of the person -
Comment The remarks, if any -
IT No. The IT number -
National ID The National ID of the person -
Phone The phone number of the person -
format. added

information when
the record is
added/ modified
or authorised
format. authorised
b. Address Detail Master

The Address detail Master contains details of the address.
Figure 4-132: The Address Detail Master screen

The following table describes the data required in the Address Detail Master.



information when
format. added
information when
the record is
added/ modified
or authorised
information when
format. authorised
c. Dedupe Detail Master

The Dedupe Detail Master contains details of Dedupe.
Figure 4-133: Dedupe Detail Master screen

The following table describes the data required in the Dedupe Detail Master.

First name The first name of the applicant -
Last Name The last name of the applicant -
Date of Birth The date of birth in the dd/mm/yyyy format -
Resi. Zip code The Zip code of the residence -
Resi Phone no. The Residence phone number -
Office Zip Code The zip code of the office -
Office phone number The office phone number -

Address The address -

Company name The name of the company -
4.7.2 Dedupe Parameter Master

The Dedupe Parameter Master contains details of the Dedupe parameters.
Figure 4-134: The Dedupe Parameter Master screen

The following table describes the data required in the Dedupe Parameter Master.

Parameter The Parameter -
Token Required The type of token required -
Database Type The type of database -
format.
information when
the record is
added/ modified or
authorised

4.7.3 Dedupe Weights Master

The Dedupe Weights Master Contains details of dedupe weights.
Figure 4-135: The Dedupe Weights Master screen

The following table describes the data required in the Dedupe Weights Master.

Dup code The Dup Code -
Dup. Code Desc. The Description of the Dup. Code -
Dup Code value The Value of the Dup code -
information when
format. added
information when
the record is
added/ modified
or authorised
format. authorised
4.7.4 Dedupe Dictionary Master

The dedupe Dictionary Master contains details of the dedupe dictionary.

Figure 4-136: The Dedupe Dictionary Master Screen

The following table describes the data required in the Dedupe Dictionary Master.

Full Name The full name -
Short name The short name -
format. added
information when
the record is
added/ modified
or authorised
format. authorised
4.7.5 Dedupe Check Master Setup

a. Check Master
The Check Master contains details of the check.

Figure 4-137: The Check Master screen

The following table describes the data required in the Check Master.

Check ID The ID of the Check -
Check Description The description of the check -
Referral Weight The Referral Weightage -
Database check In case positive , negative or both -
Max records The maximum number of records displayed -
displayed
format. added
information when
the record is
added/ modified
or authorised
format. authorised
b. Check Details Master

The check details Master contains details of the check.

Figure 4-138: The Check Details Master screen

The following table describes the data required in the Dedupe Weights Master.

Check ID The ID of the check -
Parameter The parameter to be checked -
Parameter Priority The Priority of the parameter -
record is
format.
added
information
when the
record is
added/
modified or
authorised
record is
format.
authorised
4.8 Workflow Masters

Masters in this category involve all the details related to Workflow. There are five Masters in
this category, as shown in Figure 3-121. These are described below.

Figure 4-139: The Workflow Masters Screen
4.8.1 Activity Master

a. Activity Master
The Activity Master contains details of the activity.
Figure 4-140:The Activity Master Screen

The following table describes the data required in the Activity Master.


Activity The stage of the loan processing procedure -
Activity Name The activity name -
Responsible Role User Role who can perform the activity -
Activity Description The Description of the activity -
Activity Status The status of the activity -
Rule The rule code -
Responsibility Name of the user group responsible for performing -
the activity
Aging Days Number of days allowed to complete the activity. If -
the activity is incomplete after the specified number of
days, the system moves it to the Cancel queue.
Next Activity The activity that must follow this activity -
information
record is
format.
added
information
when the
record is
added/
modified or
authorised
information
record is
format.
authorised
b. Show Activity Master

The Show Activity Master contains details of the show Activity.

Figure 4-141: The Show Acti vity Master screen

The following table describes the data required in the Show Activity Master.

Activity The stage of the loan processing procedure -
Show Activity The show activity -
Editable Whether editable -
4.8.2 Queue Master setup

a. Queue Master
The queue Master contains details of the queue.
Figure 4-142: The Queue Master Screen

The following table describes the data required in the Queue Master.

Queue Id The Id of the Queue -
Copy Queue On clicking this
button, another
screen opens
up.
Queue name The name of the queue -
Template The type of the template from the APS database -
Queue Description The description of the queue. -
information

format. record is
added
information
when the
record is
added/
modified or
authorised
information
record is
format.
authorised
b. Queue Allocation Master

The Queue Allocation Master contains details of the queue allocation.
Figure 4-143: The Queue Allocation Master screen

The following table describes the data required in the Queue Allocation Master.

Queue Id The ID of the Queue Auto-generated
Allocation This can be Role or User --
Auto Allocation If automatic allocation is applicable, then the next -
role selected
Rule The Rule ID --
Priority If priority is to be given to the rule -
Role The Role ID -

the record is added
format.
hour) format.
4.8.3 Escalation Master Setup

a. Escalation Master
The Escalation Master contains details about the Escalation.
Figure 4-144: The Escalation Master screen

The following table describes the data required in the Escalation Master.

Escalation Id The Id of the Escalation -
Escalation The description of the escalation -
Description
format. added

information when
the record is
added/ modified
or authorised
format. authorised
b. Escalation Level Master

The Escalation Level Master contains details of the escalation level.
Figure 4-145: The Escalation Level Master screen

The following table describes the data required in the Escalation Level Master.

Level The level to which issue to be escalated -
Escalation Id The Id of the Escalation Auto-generated
Turn Around Time The Turn around time allowed -
Template The template -
format. added

information when
the record is
added/ modified
or authorised
format. authorised
c. Escalation Level-User Mapping Master

The Escalation Level-User Mapping Master contains details of the Escalation level-User
mapping.
Figure 4-146: Escalation Level-User Mapping Master screen

The following table describes the data required in the Escalation level – user Mapping
Master.

Escalation Level The Escalation level ID Mandatory
ID
Role Id The Id of the User Role Mandatory
4.8.4 Deviation Master Setup

a. Deviation Master
The Deviation Master contains details of the deviations.

Figure 4-147: The Deviation Master screen

The following table describes the data required in the Deviation Master.

Deviation Id The Id of the deviation -
Deviation Description The description of the deviation -
format. added
information when
the record is
added/ modified
or authorised
format. authorised
b. Deviation Detail Master

The Deviation Detail Master contains details of the deviation detail.

Figure 4-148: The Deviation Detail Master screen

The following table describes the data required in the Deviation Detail Master.

Deviation Id The Id of the deviation -
Deviation Rule The rule of deviation -
Product The loan product. The options can be Auto, Home, or -
Personal.
Role The role of the person -
Priority The priority to be given to the deviation -
Template The type of template to be followed -
Description The description of the deviation -
format. added
information when
the record is
added/ modified
or authorised
format. authorised
4.8.5 Workflow Master Setup

a. Workflow Master

The Workflow Master defines the type of workflow.
Figure 4-149: The Workflow Master Screen

The following table describes the parameters that are required for defining a type of workflow.

Workflow Id The Id of the workflow -
Workflow name The name of the workflow -
Workflow Description The description of the workflow -
format. added
information when
the record is
added/ modified
or authorised
format. authorised
b. Workflow –Activity Mapping Master

The Workflow –Activity Mapping Master contains details of workflow –activity mapping.

Figure 4-150: The Workflow –Activity Mapping Master screen

The following table describes the data required in the Workflow –Activity Mapping Master.

Activity The stage of the loan processing -
Workflow Id The Id of the workflow This is system -
generated
Completion Rule The Rule for completion -
Description The description -
Template The template to be followed -
format.
record is added/
modified or
authorised
hour) format.
c. Workflow Activity Movement

The Workflow Activity Movement Master contains the details of the Workflow Activity
Movement.

Figure 4-151: The Workflow Activity Movement Master screen

The following table describes the data required in the Workflow –Activity Mapping Master.

Activity The activity -
Workflow Id The Id of the workflow -
Target Activity rule The rule for the target activity -
Priority Indicate if priority is to be given -
Next activity The next activity -
information
record is
format.
added
information
when the
record is
added/
modified or
authorised
record is
format.
authorised
d. Workflow Activity DEQ Mapping

The Workflow Activity DEQ Mapping Master Contains details of the Workflow Activity DEQ
Mapping.

Figure 4-152 The Workflow Activity DEQ Mapping Master screen

The following table describes the data required in the Workflow Activity DEQ Mapping
Master.

Activity The activity -
Deviation The deviation mapping --
Escalation The Escalation mapping --
Queue The Queue mapping -
format. added
information when
the record is
added/ modified
or authorised
information when
format. authorised
4.9 Product and Scheme Masters

Masters in this category involve all the details related to Product and scheme. There are 5
Masters in this category as shown in Figure 3-135. These are described below.

Figure 4-153: The Product and Scheme Masters screen
4.9.1 Product Category Setup

The Product Category Setup Master defines the various loan products that will be dealt with
by the bank.
Figure 4-154: The product Category Setup Master screen

The following table describes the parameters to define in the Product Category Setup Master.

Product Category The category of the loan product -
Description The description of the loan product category -
No. of Days in Year The number of days in the year -
Loan Type The type of loan -
Work Flow The type of workflow applicable to the loan The dropdown list
product being defined. displays all the
types of workflow
defined in the Work
Flow Master

Form Setup The type of form that needs to be set up for the In this version of
loan product APS, only default
form set up can be
selected
information when
format.
information when
the record is
added/ modified or
authorised
information when
4.9.2 Product Setup

a. Product Master
The product Master contains details of the loan product.
Figure 4-155: The Product Master screen

The following table describes the data required in the Product Master.


Product Code The code number assigned to the loan product Mandatory
Product Description The description of the loan product -
Work Flow The type of workflow applicable to the loan product The dropdown
being defined. list displays all
the types of
workflow defined
in the Work Flow
Master
Product Category The category of the loan product, if it is home loan, Mandatory
auto loan or personal loan
Retail/Corporate Indicates whether the loan product is applicable to Mandatory
retail or corporate
Form Setup The type of form that needs to be set up for the loan In this version of
product APS, only default
form set up can
be selected
Loan Norms Reqd. Indicates whether loan norms are required for the -
loan product
Common COA The COA value -
Grace Days The grace days allowed -
Asset based Indicates whether the product is assert based, which -
means if it is applicable to the specified assets
Reset Resetting Tenure or EMI -
Grace Amount The Grace amount -
Min. IRR The minimum IRR -
NO. of EMI The Number of EMI -
Product type code The type code of the product -
Collateral Code The code of the Collateral -
Loan Type The loan type can be hire purchasing, leasing or -
other
Logo The type of logo required in the card. -
information when
format. added
information when
the record is
added/ modified
or authorised
information when
format. authorised
b. Exposure and Terms Master

The Exposure and Terms Master contains details of the Exposure and terms.

Figure 4-156: The exposure and Terms Master screen

The following table describes the data required in the Exposure and Terms Master.

Exposure Tracking
Customer The Exposure Tracking customer -
Group level The Exposure Tracking group -
Branch level The Exposure Tracking branch -
Dealer / DSA The Exposure Tracking Dealer or DSA -
Eligibility Reqd. The Exposure Tracking eligibility required -
Terms
CoApplicant required. Indicates whether Co-applicant is required -
Guarantor required Indicates whether Guarantor is required -
Security Required Indicates whether security is required -
Relationship discount Indicates whether Relationship discount is given -
Balance Transfer care Indicates whether Balance Transfer care is taken -
Professional discount Indicates whether professional discount is allowed -
Foreclosure allowed Indicates whether foreclosure is allowed -
Foreclosure penalty Indicates whether there is penalty for foreclosure -
Foreclosure lock period The foreclosure lock period -
Prepayment allowed Indicates whether Prepayment is allowed -
Prepayment penalty Indicates whether there is penalty for prepayment -
Prepayment lock period The prepayment lock period -
Life insurance Whether there is life Insurance -
information when

format. added
information when
the record is
added/ modified
or authorised
information when
format. authorised
c. Product-State Master
The Product-State Master contains details of the product state.
Figure 4-157: The Product -State Master screen

The following table describes the data required in the Product –State Master.

Add all States Indicates if all the states need to be added If you select All
State The State where the loan product is applicable States, you do not
need to add name
of the state
separately
information when
the record is
added/ modified or
authorised
d. Product –Make Master

The Product –Make Master contains details of the Product Make.

Figure 4-158: The Product – Make Master screen

The following table describes the data required in the Product –Make Master.

Model The make of the asset -
information when
the record is
added/ modified
or authorised
e. The Product –Policy Master

The Product –Policy Master contains details of the product policy.
Figure 4-159: The Product -Policy Master Screen

The following table describes the data required in the Product-Policy Master.

Default rule Whether default rule is to be applied If you select
Rule The rule that is to be applied Default Rule, you
do not need to
specify the rule
Policy The policy to be applied to the scheme -
Description The description of the scheme -
information when
the record is
added/ modified
or authorised
f. Product Scoring Master

The Product Scoring Master contains details of the product scoring.
Figure 4-160: The Product-Scoring Master screen

The following table describes the data required in the Product –Scoring Master.

Default rule Whether default rule is to be applied -
Rule The rule that is to be applied -
Scoring The scoring of the product -
Description The description -

4.9.3 Scheme Group

a. Scheme Group Master
The Scheme Group Master contains details of the scheme group.
Figure 4-161: The Scheme Group Master screen

The following table describes the data required in the Scheme Group Master.

Scheme Group Id The Id of the scheme group -
Description The description of the scheme group -
Start Date The start date of the scheme is dd/mm/yyyy -
format
End Date The end date of the scheme is dd/mm/yyyy -
format
Product The loan product, such as Auto , Home or --
Personal.
Work Flow The type of workflow applicable to the loan The dropdown list
types of workflow
defined in the Work
Flow Master
Form Setup The type of workflow applicable to the loan The dropdown list
types of workflow
defined in the Work
Flow Master
information when
format.

information when
the record is
added/ modified or
authorised
b. Scheme Group – State Master

The Scheme Group – State Master contains details of the scheme group-state.
Figure 4-162: The Scheme Group – State Master screen

The following table describes the data required in the Scheme Group –State Master.
Add all States Whether all states are to be added If you select All States,
you do not need to add
State The State where the scheme is applicable
name of the state. Names
of all the states are added
by the system
or authorised
c. Scheme Group – Policy Master

The Scheme Group – Policy Master contains details of the Scheme Group –Policy.

Figure 4-163: The Scheme Group – Policy Master screen

The following table describes the data required in the Scheme Group –Policy Master.

Policy The policy of the product -
Description The description of the rule and policy applied -
Priority The priority to be given to the [olicy -
information when
the record is
added/ modified
or authorised
d. Scheme Group – Scoring Master

The Scheme Group – Scoring Master contains details of the Scheme Group – Scoring.

Figure 4-164: The Scheme Group – Scoring Master screen

The following table describes the data required in the Scheme Group –Scoring Master.

Scoring The scoring of the product -
Description The description of the rule and the scoring applied to -
it
Priority The priority to be given to the rule -
information when
the record is
added/ modified
or authorised
4.9.4 Scheme Masters

a. Scheme Master
The Scheme Master contains details of the scheme.

Figure 4-165: The Scheme Master screen

The following table describes the data required in the Scheme Master.

Scheme Id The ID of the Scheme -
Description The description of the scheme -
Scheme Group The group associated with the scheme -
Work flow The type of workflow applicable to the loan product The dropdown
being defined. list displays all
the types of
workflow defined
in the Work Flow
Master
Form Setup The type of form that needs to be set up for the loan In this version of
product APS, only default
form set up can
be selected
Currency The Currency in which payment is to be made -
Installment Mode The mode of the instalment to be paid. This may be -
advance or arrears
Min Tenure The minimum tenure of the loan under the scheme -
Max Tenure The maximum tenure of the loan under the scheme -
Default Tenure The default tenure of the loan under the scheme -
Instalment Plan The Instalment plan under the scheme -
Frequency The instalment frequency under the scheme -
No. of Installments Number of instalments under the scheme -
Min Amount Fin. The minimum amount that can be financed under the -
scheme

Max amount Fin. The maximum amount that can be financed under the -
scheme
Loan Type The type of loan for which the scheme is defined. The dropdown
list displays all
the types of
workflow defined
in the Work Flow
Master
LTV The loan to value ratio -
Prepay Penalty The penalty for pre-payment -
Add on Late Flag A marked checkbox indicates that additional facilities -
can be added later
format. added
information when
the record is
added/ modified
or authorised
format. authorised
b. Interest/LPP Master
The Interest/LPP Master contains details of the Interest/LPP.
Figure 4-166: The Interest/LPP Master screen

The following table describes the data required in the Interest /LPP Master.

Interest type The type of interest -
Default rate The default rate of interest. -
Min. Rate The minimum rate of interest -
Max. rate The Maximum rate of interest -
Bucket The Bucket -
Adj. Ex. Interest Adjustment of excessive interest. -
LPP Criteria The criteria of LPP -
LPP Charge The LPP Charge -
Date to be used The Date to be used -
Done on The Date LPP was Done on -
Charged on The Date LPP was Charged on -
Min. IRR The Minimum IRR -
Foreclosure Lock Pd. The foreclosure Lock Period in days -
(Days)
PDC Flag PDC Flag can be Yes, or No -
Repayment mode The mode of repayment -
Start Date The Start Date -
End Date The End Date -
c. Round Parameters Master

The Round Parameters Master contains details of the rounding parameters.
Figure 4-167: The Round Parameters Master screen

The following table describes the data required in the Round Parameters Master.


Round Method and Precision
Interest Method The interest rounding method. The default -
value is Round Down
Installment method The instalment rounding method. The default -
value is Round up
Interest precision The precision of interest -
Instalment precision The Precision of the instalment -
Prin base unit The Principal base unit -
More Details
Deposit linking Whether deposit is to be linked -
LTV Multiplier LTV Multiplier -
Prime rate type The Prime Rate type -
Insurance Product The insurance product. -
Floating Flag Indicates if floating rate is to be used -
Fixed for Indicates if fixed rate is to be used -
Floating frequency In case of floating flag, the frequency of the -
rate
Score criteria The score criteria -
Asset min. age The minimum age of the asset -
Asset max. age The maximum age of the asset -
Make The make of the asset -
Model The model of the asset -
d. Scheme Charge Master

The Scheme Charge Master contains details of the scheme charge.
Figure 4-168: The Scheme Charge Master screen

The following table describes the data required in the Scheme Charge Master.


Charge The charge to be selected -
information when
the record is
added/ modified
or authorised
e. Scheme-Dueday Master
The Scheme-Dueday Master contains details of the Scheme-due day for the given scheme.
Figure 4-169: The Scheme-Dueday Master screen

The following table describes the data required in the Scheme Due day Master.
Dueday The day till when the scheme is valid -
information when
the record is
added/ modified
or authorised
f. Scheme -Office Master

The Scheme -Office Master contains details of the Scheme-office for the promotion schemes
and products.

Figure 4-170: The Scheme -Office Master screen

The following table describes the data required in the Scheme -Office Master.

Office The Office name -
information when
the record is
added/ modified
or authorised
g. Scheme –State Master

The Scheme –State Master contains details of the states for the promotion schemes and
products.

Figure 4-171: The Scheme –State Master screen
The following table describes the data required in the Scheme -State Master.
h. S Field Description Remarks

c
Add all states Indicates whether all states are to be added If you select this check
h box, you cannot add
State The selected state
e name of a specific state
m
e can be Inserted, Modified or Authorised. this information when
– modified or authorised
City Master
The Scheme – City Master contains details of the scheme city for the promotion schemes
and products.

Figure 4-172: The Scheme -City Master screen

The following table describes the data required in the Scheme -City Master.

Add all cities Indicates whether all cities are to be added If you select this
City The selected City check box, you
cannot add name
of a specific city
information when
the record is
added/ modified or
authorised
i. Scheme –Policy Master

The Scheme –Policy Master contains details of the scheme-policy.

Figure 4-173: The Scheme-Policy Master screen

The following table describes the data required in the Scheme-Policy Master.

Rule The rule that is to be applied --
Policy The policy associated with the rule -
Description The description of the rule -
information when
the record is
added/ modified or
authorised
j. Scheme –Scoring Master

The Scheme –Scoring Master contains details of the Scheme –Scoring.

Figure 4-174: The Scheme –Scoring Master screen

The following table describes the data required in the Scheme-Scoring Master.

Scoring The Scoring of the scheme --
Description The description of the scheme --
4.9.5 Promotion Mast ers

The Masters in this category help you define the various promotion schemes announced by
the bank. With the help of these Masters, you can define the scheme, which workflow to be
followed for the applications added under the scheme, the city, state or duration when the
scheme is applicable and the scoring rules and charges associated with the promotion
scheme.
a. Promotion Master
The Promotion Master contains details of the loan promotion scheme that may be announced
by the bank from time to time.

Figure 4-175: The Promotion Master screen

The following table describes the data required in the Scheme Master.

Promotion Id The Identification code assigned to the This is automatically
promotion scheme generated by the
system when you start
creating a new
promotion scheme
Promotion Desc. A brief description of the promotion scheme This will be displayed in
the Online Application
when the users selects
a code
Scheme The scheme associated with the promotion. -
The dropdown list displays the options
specified in the Scheme Master
Work flow The type of workflow applicable to the loan The dropdown list
product being defined. displays all the types of
workflow defined in the
Work Flow Master
Form Setup The type of form that needs to be set up for In this version of APS,
the loan product only default form set up
can be selected
LOC The Letter of Credit -
Promo Scheme Code The promotion scheme code -
Currency The Currency in which payment is to be made -
Installment Mode The instalment mode. This may be advance
or arrears
Min Tenure The min tenure of the loan -

Max Tenure The Maximum tenure of the loan -

Default tenure The default Tenure of the loan -
Instalment plan The Instalment plan -
Frequency The instalment frequency -
No. of instalments The number of instalments to be paid by the -
applicant
Min Amount Fin. The minimum amount that can be financed -
under this scheme
Max amount Fin. The maximum amount that can be financed -
under this scheme
Bonus frequency The Bonus frequency -
Template The type of template that is applied to the -
Prepay Penalty The penalty for prepayment, if any -
LTV The applicable loan to value ratio -
hour) format.
b. Interest /LPP Master

The Interest /LPP Master contains details of the Interest/LPP.

Figure 4-176: The Interest/LPP Master screen

The following table describes the data required in the Interest /LPP Master.

Interest / LPP
Interest type The type of interest -
Default rate The default rate of interest. -
Min. Rate The minimum rate of interest --
Max. rate The Maximum rate of interest -
Bucket The Bucket -
Adj. Ex. Interest Adjustment of excessive interest. -
LPP Criteria The criteria of LPP -
LPP Charge The LPP Charge -
Date to be used The Date to be used -
Done on The Date LPP was Done on -
Charged on The Date LPP was Charged on -
Other Details
Min. IRR The Minimum IRR -
Foreclosure Lock Pd. The foreclosure Lock Period in days -
PDC Flag PDC Flag can be Yes, or No -
Payment mode The mode of payment --
Start Date The Start Date -
End Date The End Date --
Accrual Flag The Accrual Flag -
LAN Prefix The LAN Prefix --

c. Round Parameters Master

The Round Parameters Master contains details of the round parameters.
Figure 4-177: The Round Parameters Master screen

The following table describes the data required in the Round Parameters Master.
Round Method
Interest Method The interest rounding method. The default value is -
Round Down
Installment method The instalment rounding method. The default value -
is Round up
Round Precision
Interest precision The precision of interest -
Instalment precision The Precision of the instalment -
More Details
Deposit linking Whether deposit is to be linked -
LTV Multiplier Loan to value Multiplier -
Prime rate type The Prime Rate type -
Insurance Product The insurance product. -
Floating Flag Indicates whether floating flag is used -
Fixed for Indicates whether fixed rate is used -
Floating frequency The rate of the floating frequency -
Prin base unit The Principal base unit -
d. Promo-Charge Master
The Promo-Charge Master contains details of the promo-charge.

Figure 4-178: The Promo-Charge Master screen

The following table describes the data required in the Promo-Charge Master.

Charge The Promo Charges -
information when
the record is
added/ modified or
authorised
e. Dueday Master
The Dueday Master helps you define the valid dates for a particular scheme.

Figure 4-179: The Dueday Master screen

The following table describes the parameters that needs to be specified in the Dueday
Master.

Dueday The last date till when the scheme is applicable -
information when
the record is
added/ modified or
authorised
f. Office Master
The Office Master contains details of the Office.
Figure 4-180: The Office Master screen

The following table describes the data required in the Office Master.

Office The Office
information when
the record is
added/ modified
or authorised
g. State Master
The State Master contains details of the state.

Figure 4-181: The State Master screen

The following table describes the data required in the State Master.

State The state in which the product and scheme is A scheme can be
applicable applied to one or
more states.
However, states need
to be added one by
one.
record is added/
modified or
authorised
h. City Master
The City Master contains details of the city for the Product and Scheme Setup.

Figure 4-182: The City Master screen

The following table describes the parameters that need to be specified to define a promotion
scheme for a city.

City The city in which the product and scheme is A scheme can be
applicable applied to one or
more states.
However, cities
need to be added
one by one.
information when
the record is
added/ modified or
authorised
i. Policy Master
The Policy Master contains details of the policy.

Figure 4-183: The Policy Master screen

The following table describes the data required in the Policy Master for the Product and
Scheme Setup.

Policy The policy associated with the rule -
Description The description of the policy -
Priority The priority to be given to the policy -
Weight The weightage to be given to the policy -
information when
the record is
added/ modified
or authorised
j. Scoring Master
The Scoring Master contains details of the scoring.

Figure 4-184: The Scoring Master screen

The following table describes the data required in the Scoring Master.

Scoring The Scoring to be given to the rule -
Description The description for the rule and the associated -
scoring
Weight The weightage to be given to the rule -
information when
the record is
added/ modified
or authorised

Application Processing System User Manual, V 1.0
Glossary
Term Definition
Account Type The type of bank account, such as, current, savings, joint, cash credit,
overdraft.
Address Type Type of address, such as, current residence, previous residence,
office, permanent address, registration certificate address, and
residence of authorized signatory.
Advance Instalments The number of instalments to be taken in advance from the customer.
Agency An external entity that conducts contact point verifications (physical
verification through visits).
Allocation Allocating is the process of distributing payments received towards
dues under different accounts.
Amount Financed The total amount approved to be given to the customer as loan
(Loan Amount) amount.
Annual Allowance The annual allowance, in percentage.
(%)
Applicant Type This indicates the type of applicant, such as, Individual or Corporate.
Application ID This is the unique number that is generated automatically for each
loan application, and is the same as Agreement No and Agreement ID.
Appraisal An estimate of the value of property, made by a professional
appraiser.
Asset Property that can be used to repay debt, such as stocks and bonds, or
a car.
Asset Cost The cost of the asset for which the loan is requested. If the loan is
required for some purpose other than purchase of asset (personal or
unsecured loan), this amount is the same as the amount financed.
BP Business Partner of the lending institution, such as, customer,
supplier, dealer, manufacturer, broker, insurance company, bank,
government.
Broker An individual in the business of assisting in arranging funding or
negotiating contracts for a client, but who does not lend the money
himself.
Card No. The credit card number of the applicant.
Card Type The credit card type, such as, Visa or Master.
Charges The charge (head of account) to which an amount is allocated.
Chassis Number Chassis number of the vehicle inspected.
Code The unique codes assigned to different products.
Collateral Property offered to support a loan that can be seized in case the
customer defaults.
Commitment An agreement, often in writing, between a lender and a borrower to
loan money at a future date subject to the stated conditions.
Constitution The constitution of the company, such as, Individual, Private Limited,
Public Limited, etc.

Credit The right granted by a creditor to pay in the future in order to buy or
borrow at present; also, a sum of money owed to a person or
business.
Credit Card Any card used to borrow money, buy goods, or services on credit.
Date of Incorporation Date of commencement of business, with respect to a corporate
customer.
Decline It defines the decision shown in the application-processing module.
DeDupe The process of identifying duplication of record. This process lists out
all the criteria of the past record that matches with the current record.
Depreciation Decline in value of a house due to wear and tear, adverse changes in
the neighbourhood, or any other reason.
Depreciation Benefit It defines the depreciation benefit percentage that is applicable on the
(%) asset.
Down Payment Money paid to make up the difference between the purchase price and
loan amount.
DSA DSA stands for Direct Selling Agent. DSA’s act as intermediaries
between the customer and finance companies. They get one time or
regular commission as per the policies of the lending institution.
Due Date The date by which each installment is due for repayment by the
customer. An LPP charge is penalized on a customer who pays the
installment after this date.
Effective Rate This refers to effective rate of interest, where interest is charged on
diminishing balance of principal.
Element It defines the various criteria on which credit scoring will be done.
EMI Equated Monthly Installment: Equal monthly installments are repaid
throughout the loan tenure. In each installment, the previous interest is
fully covered and a part of the principal is covered. The interest is
calculated on the balance principal after each installment. The monthly
installment amount is so adjusted that the balance principal is zero at
the end of the loan tenure.
Final Source The source through which business was procured, such as,
telemarketing, direct sales, or marketing agent.
First Source The initial source that attracted the customer to the lending institution,
such as, an advertisement or a sales promotion campaign.
Flat Rate This refers to flat rate of interest, where interest is calculated at a flat
rate on the whole loan amount for the entire loan tenure.
Frequency The frequency of repayment. Repayment frequency can be monthly,
bi-monthly, quarterly, half-yearly or yearly. The most common
frequency for repayment is monthly.
Grace Period This is the period allowed for delay in a payment. After the grace
period expires, the lending institute can charge late payment penalty.
Gross Income The total income of the applicant, from all sources, before any
deductions.
Gross Monthly The total amount the borrower earns per month, before any expenses
Income are deducted.
Group Group is used for identifying a set of customer based on some
common parameters.
Industry The industry in which the applicant is employed, or the nature of
business of the applicant, such as, construction, trading,
business of the applicant, such as, construction, trading,

manufacturing.
Installment Mode There refers to whether the installment mode is Advance or Arrears.
Advance: Advance installment mode indicates that, in effect, the
actual loan amount that will be disbursed is the sanctioned loan
amount less the first installment.
Arrears: Arrears installment mode indicates that the installment for
any period is due at the end of the period. For example if the
frequency is bimonthly, the first installment will be due two months
after the date of loan disbursal.
Interest A charge paid for borrowing money.
Interest Rate The annual rate of interest on the loan, expressed in percentage.
Interest Type The different methods of charging interest. These methods of are:
Flat: Interest is calculated at a flat rate on the whole loan amount for
the entire loan tenure.
PTPM: This stands for Per Thousand Per Month. In this method, a
fixed amount is charged per thousand rupees of the outstanding
balance per month.
Effective: In this method, interest is charged on diminishing balance of
principal.
Investment Allowance This specifies the investment allowance in percentage.
(%)
IRR This refers to internal rate of return fixed by a lending institution. It
reflects the rate at which a company generates revenue.
Issuer Name The name of the bank that has issued a credit card to an applicant.
Late Payment A payment made later than the date agreed on in a credit contract, and
on which additional charges may be imposed.
Lessee A person who signs a lease to get temporary use of property.
Lessee ID This is the unique ID generated for the customer while processing a
loan application.
Lessor A company that provides temporary use of property, usually in return
for periodic payment.
Lien A claim upon a piece of property for the payment or satisfaction of a
debt or obligation.
LPP LPP stands for Late Payment Penalty. This is the amount paid by the
customer to the lending company due to non-payment of any payable
amount on due date.
LTV It defines the Loan To Value percentage that can be provided to the
customer.
Make The make of the asset that is being financed.
Manufacturer The name of the entity that manufactured the asset being financed.
Margin The amount a lender adds to the index on an adjustable rate loan to
establish the adjusted interest rate.
Margin Money Margin money is that part of asset cost which the customer
contributes. Usually, companies do not give the whole asset cost as
loan. The customer contributes a certain part of the asset cost and that
part is called margin money.
MSRP Manufacturer's Suggested Retail Price is the full price for a vehicle as
displayed on its window sticker, including optional packages.

displayed on its window sticker, including optional packages.

Destination charges and dealer add-on items are not considered part
of MSRP, although these charges are part of the overall cost of the
vehicle.
PDC PDC stands for Post Dated Cheque. PDCs are submitted by the
customer in advance.
PLR PLR stands for Prime Lending Rate. Lending institutions borrow
money from the central bank at this rate. PLR changes from time to
time depending on market conditions and government policies.
Principal The amount of debt, not counting interest, left on a loan.
Product Type of product as defined in the product master, such as, auto,
consumer goods, etc.
Profession The profession of the applicant, such as, doctor, engineer, or architect.
PTPM This refers to calculation of interest on Per Thousand Per Month basis.
Qualification Educational qualification of applicant, such as, graduate, post-
graduate, etc.
Rate See Interest Rate.
RBI Code Code assigned by the Reserve Bank of India to a particular asset in
the process of categorizing assets into various blocks.
Rebate The rebate given to a customer at the time of termination when there
have been no defaults by the customer in payment of the installments.
Any such rebate is usually given for encouraging timely repayment by
customers.
Reference Date The date entered at the time of creating a note during loan processing
period. It is used for performing the activity noted during the note
creation.
Scheme Companies launch different schemes to finance different types of
customer requirements as a marketing strategy. For example, a
company may have different schemes to finance personal vehicles,
commercial vehicles, house construction, education, business, etc.
Schemes are differentiated on the basis of loan amount, tenure,
interest rate, interest type, eligibility criteria for customer, repayment
schedules, etc.
Security Property pledged to the creditor in case of default on a loan. See
Collateral.
Security Deposit This is the money collected from applicants as a security measure
against the disbursement of the loan amount.
Status Status shows the current position of the applicant or the process. In
respect of a loan application, the current status could be Authorized, or
Pending for Authorization. In case of a cheque, the status could be
received, deposited, bounced, re-presented, cancelled, cleared, hold,
or unhold. Moreover, in case of contact point verification, the current
status could be pending, received, incomplete, complete, waived and
deferred.
Tax Rate Percentage of the amount to be deducted as tax.
Tenure Tenure is the specifi ed period for repayment of the loan.
Term The period of time between the beginning loan date on the legal
documents and the date the entire balance of the loan is due.
Title A document that gives evidence of an individual's ownership of
property.
property.
Underwriting The decision on whether to disburse a loan to a potential borrower,
based on credit, employment, assets, and other factors, and the
matching of this risk to an appropriate rate and term or loan amount.
VAT Installment (%) The VAT on the interest component of an installment to be paid by
customer. Receivable from the customer and payable to the
government.
Waive To knowingly abandon, relinquish, or surrender a right, benefit, or
claim.

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APPLICATION PROCESSING SYSTEM

Document No.: I099418UM_APS Masters

Nucleus Software Exports Limited

Visit us at: http://www.nucleussoftware.com

© Nucleus Software Page i

Purpose of this Document

1. Describing the significance of the Masters

2. Giving step-by-step instructions for adding and authorising data

4. Explaining the functions of the buttons that appear on each screen

5. Familiarising users with the system response to actions performed

Acronyms and Abbreviations Used

© Nucleus Software Exports Ltd. Page iii

BIRR Business IRR

© Nucleus Software Exports Ltd. Page iv

Screen Component Text Format Example

Organisation of this Manual

© Nucleus Software Exports Ltd. Page v

© Nucleus Software Exports Ltd. Page vii

4.2.3 Employer Exposure Limit Master .................................................. 48

© Nucleus Software Exports Ltd. Page viii

4.2.11.22 Trade Customer Master.................................................................................................128

© Nucleus Software Exports Ltd. Page ix

1.1 Maker-Authoriser Functionality

© Nucleus Software Page 1

Figure 1-1: Maker, Author Options

1.2 APS Master Categories

© Nucleus Software Exports Ltd. Page 2

1.3 Screen Elements

Figure 1-2: The APS Screen Elements

1.3.1 APS Header

1.3.2 APS Toolbar

© Nucleus Software Exports Ltd. Page 3

Figure 1-3: The APS Toolbar

The following table describes the function of each of these buttons.

S. No. Button Name Description

Click on this icon to add a new record to

Click on this icon to modify an existing

Click on this icon to move to the next

Click on this icon to move to search for

9. Cancel Click on this icon to

Click on this icon to close the window

1.3.3 Navigation Pane

1.3.4 Entry/Search Fields

© Nucleus Software Exports Ltd. Page 4

1.3.5 Screen Modes

1.3.6 Screen Convent ions

1.4 Searching Records

© Nucleus Software Exports Ltd. Page 5

To use search criteria:

2. Scroll up and down to find the required data.

© Nucleus Software Exports Ltd. Page 6

2.1 Accessing APS Masters

Figure 2-1: The APS Welcome screen

© Nucleus Software Page 7

2. Press any key.

• Passwords are case-sensitive.

2.2 APS Masters Home Page

© Nucleus Software Exports Ltd. Page 8

Figure 2-2: The APS Home Page

2.3 APS Masters Main Menu

Figure 2-3: The APS Masters Main Menu

Menu Description Menu Options