Frequently Asked Questions

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Finacle Core banking Solution 

1.        SAVINGS ACCOUNT ISSUES

(i) How to see balance in SB Account at the time of deposit and withdrawal

Solution:- Please see below screen shot.

Many POs raise the issue of BBT (Balance before transaction) in Finacle like legacy system. When HTM is invoked, available balance and effective available balance can be viewed. Effective available balance is the eligible amount of withdrawal.

(ii) What to do when cheque issued in Finacle is presented for withdrawal but not recognized by Finacle CBS?

Issue noticed in one of CBS Post Office in Account number 0289818958  where instrument number 805380 was presented.

Solution :  When the cheque book is issued through the menu HCHBM, the radio button Acknowledge should be clicked as Yes.  The issue was resolved by acknowledging the cheque through the menu HCHBM- Function Acknowledge and then verifying using the function Acknowledge and Verify the same.

(iii) How to convert existing SBGEN (non cheque) account to SBCHQ (cheque account) ? 

First the account should be transferred to the SB cheque scheme using the menu HACXFRSC by PA. Supervisor has to verify the same.  Then through the CASBAM menu option the account should be modified to allow cheques. Again, Supervisor has to verify the modification.

(iv) Account Not Getting Closed. Error GR3 is coming. 

Solution

This issue occurs if the account being closed is the interest credit account for some other account e.g MIS or SCSS or TD account. To check to which account this is linked, the user can check the transactions in the account being closed in the menu HACLI. The interest transactions will show the account number to which the account being closed is linked as shown below

If the closure account is Interest Credit Account, go to Account Modification menu for that linked account. Change the Interest Credit Account to some other account and then proceed closing this account.

(v) Dormant SB account closure issue

Dormant means Silent

Issue Reported : Since the SB account being closed is dormant, the account closure transaction is not verified and gives error.

Solution

The closure process has to be cancelled and the account status to be modified to Live before closing it.

Steps

1. Cancel the closure operation in HCAAC menu. While cancelling an user info will be shown that the transaction has to be manually reversed.   After the cancel operation in HCAAC, the transaction has to be deleted in HTM.
2. If the account has to be closed , then  after cancelling the transaction in HTM menu by selecting Modify function thru menu CASBAM.
3. Modify the account status of the SB account from Silent to Live and verify it
4. Close the account now in HCAAC and verify it

(vi)  Even after deleting RD Standing Instructions using HSSIM menu, Savings account is not allowed to close.

After deleting the instruction serial number in teller, same has to be verified in supervisor. Then only closure can be done.

(vii)  Trial closure for SB and PPF accounts

There is no Trial Closure for SB and PPF. However, to see closing interest, following process is to be followed:-

• It involves two components-Closing accrued Interest for completed months and balance outstanding in the account.
• To know the closing accrued interest till date (for completed months) the user has to execute HACACCR menu and see the Report either in HPR or through HAITINQ menu.

HACACCR menu execution

Enter the A/c Id, wait for the name of depositor to appear. Compare name of depositor to ensure that correct account number is entered. Keep the field 'From Date' as blank and  Enter BOD date in the field ' To date' and submit as shown in the screen shot below:

• This will generate a report HPR .

• The closing accrued interest will be arrived after rounding off the amount shown in HPR  to next rupee. The total amount to be paid to depositor will be arrived at by adding the balance in the account shown in HACLI/HACCBAL Menu option and the closing accrued interest.
• This amount is to be shown to depositor who wants to close the account. If he agrees, actual closure has to be done.
• In case SB7A is received from BO for closing sanction of a Savings Account, this amount is to be entered in SB7A by Supervisor with the remarks on the top that "This sanction is valid up to last working day of the current month" . Sending the closing sanction to BO should be avoided in the last week of the month.

(viii)  Interest Accrual enquiry using HAITINQ

The interest accrual enquiry can also be done using the Finacle menu HAITINQ. On navigating the menu HAITINQ and providing the A/C Id., the interest details would be displayed:

2. PPF

(i) Loans against PPF account closure. . 

Calculation of interest upto closure date and deduction of the interest amount Invoke CPDTM menu to make Principal repayments

    i) Select the tran type/sub type as  P - Loan Principal Repayment

Enter the amount of loan principal to be repaid and click on submit and verify the same if the amount is above Rs.5,000/-.

ii) Invoke the menu CLPR for calculation of interest

iii) Invoke HACINT menu to calculate loan interest (CEPT IT Team to be contacted for this)

iv) Invoke the menu CPDTM to make Interest repayments

    a) Select the tran type/sub type

    b)) Select the type as I - Loan Interest Repayment

v) Invoke the menu HCAAC to close the loan account

(ii) PPF Claim closure is not getting initiated in teller login with an error “this work class is not permitted”.

 After updating date of death in CIF, closure menu, HCAAC should be invoked only by Supervisor. Same can be verified by another supervisor after system generated withdrawal tran ID is posted and verified. This activity should be performed by Hos only where there are more than one Supervisor. Therefore PPF claim closure is to be done at HO only.

(iii) PPF bank transfer closure is not permitting in teller login.

PPF bank transfer out closure has to be initiated by supervisor and transfer proceedings should be credited to “0322 office account”  with a proper closure reason code as Bank Transfer. This has to be verified by another supervisor. This option should be used by Hos only where there are more than one Supervisor. Therefore transfer of PPF account from post office to Bank can be done at HO only.

(iv) How to see balance in PPF Account at the time of deposit and withdrawal

Solution:-

Please see following screen shots where balance is shown in Deposit/Withdrawal menus after entering account number.

CPWTM - Withdrawal

CPDTM - Deposit

(v)  What is the menu for extending PPF Account?

Menu for extending PPF Accounts – HCEXTN

(vi) What is the process of PPF Account Closure?

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

PPF Closure (without loan)

1. Counter PA has to invoke HCAAC menu for closure.
2. Interest for current financial year will be calculated and posted in the PPF account.
3. System generated transaction ID will be created.
4. Supervisor has to verify the account closure using HCAAC menu.
5. In some cases, when the supervisor tries to verify the account closure, if the Tran ID (generated in step 3) is in Entered state, then the error message ‘Pending verification exists for the account’ will be displayed.
6. Tran ID if not noted down in step 3, it has to be obtained from HFTI menu by selecting the transaction status ‘Entered’  (Tran ID generated against the PFF account number will be shown).
7. In Counter PA login, in HTM – Modify option, this Tran ID is to be posted.
8. In Supervisor login, in HTM, this Tran ID is to be verified.
9. After verification of the transaction, in HCAAC menu, the closure has to be verified.

PPF Closure (with loan)

1. Counter PA has to invoke loan repayment using CPDTM menu.
2. Supervisor has to verify the transaction in CPDTM menu.
3. CLPR menu (PROCESS) has to be invoked by Supervisor for processing loan account.
4. Then, HACINT is to be invoked by CEPT team (at present). On invoking this, the interest for loan account is calculated and posted in PPF loan account.
5. The loan interest has to be paid through CPDTM menu again, if the PPF account is not a matured account.
6. The loan interest has to be recovered through CPWTM menu, if the PPF account is a matured account.
7. Closure of loan account has to be invoked using HCAAC by counter PA.
8. Closure has to be verified by Supervisor using HCAAC menu.
9. For closing PPF account, the procedure for closure of PPF account without loan has to be followed.

(vii) What is procedure for PPF Account transfer to and from Bank?

PPF – Transfer Out (Bank)

1. Invoke HINTTM menu from Postmaster login for zeroing of interest for the current financial year.
2. In HINTTM, PPF account number to be entered; From date should be 01-04-YYYY; Interest table code should be ‘Zero’.
3. Verification has to be done by Supervisor.
4. Closure has to be invoked using HCAAC menu from PA login. Option ‘Transfer’ has to be selected and transfer account id should be Postmaster account (0340).
5. Closure reason should be selected as ‘Transfer to Bank’.
6. Closure has to be verified by Supervisor.

PPF – Transfer In (Bank)

1. Create CIF ID if already not available.
2. Use CPPFAO menu to open a new PPF account. Select the CIF ID and select the option TRANSFER and enter the old account number.
3. Also enter the correct account open date and enter the maturity date (31-03-YYYY).
4. Verify the account opening using CPPFAV menu in Supervisor login. Note down the account number.
5. The text file has to be generated from the excel sheet. Excel sheet should contain all the transactions of the PPF account and the balance should be checked. 
6. The field 'Financial Year End Balance Identifier' should be selected as YES only for the last transaction of a financial year. For all other transactions, it should be selected as NO. 
7. The fields 'Transaction Date' / 'Value Date' should be in mm/dd/yyyy format only.
8. Enter the account number created in Finacle and click on Generate File button to generate the text file. Excel template is attached with this mail.
9. In Counter PA login, select HTRFTOUN menu. Select the text file generated. In 'Destination Directory' field, enter /dop
10. The message 'File uploaded successfully' will be displayed.
11. Then, select CTUPLD menu. Enter the account number and then enter the file name (enter as it is available). The message 'Data uploaded successfully' will be displayed.
12. After this process, login as Supervisor and select CTPROC menu. Select 'Verify' and enter the account number. Transactions will be displayed. Click on SUBMIT.
13. Again login as PA and select CTPROC menu. Select 'Process' and enter the account number. Transactions will be displayed. Click on SUBMIT. A screen showing the transaction id details will be displayed.
14. Then, check the current year transactions in HACLI menu and previous year transactions in CTINQ menu.
15. Before creating the text file, the date format of the system should be changed as mm/dd/yyyy.

(viii)  When PPF Deposit made in wrong account number, what is the process to correct it?

Deposit made in wrong account number

• Invoke CPWTM menu in Counter PA login
• Add --- C/NP Cash Normal Payment --- N Normal Withdrawal
• Enter the Dr. account number (wrong account number)
• Enter the amount as in the Deposit transaction
• Enter the report code as "REVRS" & Submit
• Verify the transaction in Supervisor login

For making the deposit in the correct account number

• Invoke CPDTM menu in Counter PA login
• Add --- C/NR Cash Normal Receipt --- N Normal Contribution
• Enter the Cr. account number (correct PPF account number)
• Enter the correct amount & Submit
• Verify the transaction in Supervisor login

Deposit amount is wrong

• Invoke CPWTM menu in Counter PA login
• Add --- C/NP Cash Normal Payment --- N Normal Withdrawal
• Enter the Dr. account number (PPF account number)
• Enter the excess amount deposited
• Enter the report code as "REVRS" & Submit
• Verify the transaction in Supervisor login

 (ix) How to handle PPF – Wrong account open date cases.

1. Invoke HINTTM menu from Postmaster login for zeroing of interest for the current financial year for the PPF account (with wrong open date)
2. Verification has to be done by Supervisor.
3. Use HCAAC menu to close the PPF account (wrong open date) in Counter PA login. Closure reason should be selected as Transfer to Bank. . Option ‘Transfer’ has to be selected and transfer account id should be Postmaster account (0340).
4. Closure has to be verified by Supervisor.
5. Use CPPFAO menu to open a new PPF account. Select the CIF ID (linked with the closed PPF account) and select the option TRANSFER and enter the old account number in account opening screen.
6. Also enter the correct account open date and enter the maturity date (31-03-YYYY).
7. Verify the account opening using CPPFAV menu in Supervisor login. Note down the account number.
8. The text file has to be generated from the excel sheet. Excel sheet should contain all the transactions of the PPF account and the balance should be checked. 
9. The field 'Financial Year End Balance Identifier' should be selected as YES only for the last transaction of a financial year. For all other transactions, it should be selected as NO. 
10. The fields 'Transaction Date' / 'Value Date' should be in mm/dd/yyyy format only.
11. Enter the account number created in Finacle and click on Generate File button to generate the text file. Excel template is attached with this mail.
12. In Counter PA login, select HTRFTOUN menu. Select the text file generated. In 'Destination Directory' field, enter /dop
13. The message 'File uploaded successfully' will be displayed.
14. Then, select CTUPLD menu. Enter the account number and then enter the file name (enter as it is available). The message 'Data uploaded successfully' will be displayed.
15. After this process, login as Supervisor and select CTPROC menu. Select 'Verify' and enter the account number. Transactions will be displayed. Click on SUBMIT.
16. Again login as PA and select CTPROC menu. Select 'Process' and enter the account number. Transactions will be displayed. Click on SUBMIT. A screen showing the transaction id details will be displayed.
17. Then, check the current year transactions in HACLI menu and previous year transactions in CTINQ menu.
18. Before creating the text file, the date format of the system should be changed as mm/dd/yyyy.

3.        MIS/SCSS Issues

(i) Whether Reason Code for closure is mandatory to select in all type of closures?

Yes, Reason for closure is critical and mandatory . Hence the selection of reason code to be selected for all types of closures.

(ii) Before actual closure, is it mandatory to do a trial closure?

Yes, if account closure is done after date of maturity and when closure sanction is to be issued to any SO or BO, Trial Closure of TD type accounts is mandatory. This will also be helpful for placing request for issue of Postmaster cheque.

(iii) How to do a Trial Closure of MIS/TD/SCSS

Menu HCAACTD can be used to perform trial closure on MIS/TD/SCSS/Matured NSC&KVP  accounts. As displayed in the screen shots below , the interest amounts can be viewed at the result page:

(a) Invoke HCAACTD, choose function as L-Trial Closure and provide Account Id. Click anywhere and wait for the name of depositor to be displayed. Once name is displayed, tally name with the name mentioned in Passbook so as to confirm that correct account number is entered. The closure value date and withdrawal amount will be auto populated by the system.

(b) On clicking GO, the account information tab will display the account details

(c) The closure details such as Close Mode and  Repayment A/C ID have to be provided in the closure tab

(d) The Closure Reason Code (and Closure remarks) have to be provided in Closure Exception Tab. This is mandatory to enter to get correct closure value.

(e) Once all the details are entered correctly, sclik on ubmit

(f) On Submit , the result page is displayed that will contain all the required information on the account as well as the interest transactions on the account

(g) Go to menu HPR to see the report wherein net amount to be  paid to the customer will be shown

(h) Bonus if any for MIS accounts, will not be shown in the closure details screen, but will appear in the report generated in HPR during trial closure.

MIS

(i)  Error “The Mode of Operator for A MINOR can be either 018 or 019” during Account Modification.

Solution:-

For Minor accounts, mode of operation should be either

018 – Minor A/c Operated by Self

019 – Minor A/c Operated by Guardian

SCSS

Error thrown while modifying 15H in SCSS modification

(i) “If main holder is Male, spouse should be Female in the CIF ID and vice versa” while updating 15H form in SCSS modification

CIF for all the existing accounts are generated during migration. Date of birth is defaulted as “01/07/1960” and Gender as “OTHERS” as these two data are not maintained in Sanchay Post. Post migration, operators to modify the date of birth and also the gender by invoking the menu CMRC before modifying 15H in SCS Modification.

(ii)  While closing SCSS Accounts prematurely, Penal fee is not getting deducted.

1. Check whether correct Closure Reason Code is selected. If “death closure” is selected under “Closure Exceptions” tab, Penal fee will not be deducted.
2. “Collect Penal Int” field is to be selected.

(iii)  How to handle SCSS Death Closure within lock up period?

SCSS death closure can be done only at HO. When death is reported, first of all, date of death is to be entered in CIF Modification menu and verified by the Supervisor. After sanction of death claim case, account closure form alongwith Passbook is to be sent to HO (if account stands at SO). . Only Supervisor of HPO can close the account by following the process given below and Postmaster of HPO has to verify the transaction:-

a). First Supervisor has to invoke HINTTM menu and give the SCSS account number and choose SBRATE and give start date as Date of death and Verifier can verify the same record.

This is done to ensure until date of death, SCSS rate is given to customer and from date of death till date only SB rate will be given to customer.

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

 (iv) How to Refund TDS when wrongly deducted

As and when it is found that TDS is wrongly deducted, following process should be followed to refund TDS:-

Write an error in the Error Book showing detail of account number and amount of TDS wrongly deducted. Go to HRFTDS menu and enter the SCSS account ID in the field” From A/c ID & To A/c ID” and select trantype as Transfer. Cash option should not be used in trantype. On clicking GO, the TDS amount deducted will be shown. In the “Refund A/c ID” field, enter the customer's SB a/c if customer has savings account in any CBS post office or if customer wants cash to be paid, enter office account 0340 and pay cash. In the evening, show this amount as TDS Refund in the daily account or cash book.

Note 1:- Refund has to be made only before submission of tax returns by respective HOs. No TDS refund should be made after remitting TDS to IT Department. Customers can get reimbursement only from IT department after filing returns.

Note 2:- that wherever From A/c ID & To A/c ID fields are shown in Finacle, it refers to a range of accounts (eg. from 1 to 100) and not transfer-from and transfer-to account ID.

(v) MIS and SCSS/TD interests are not getting paid from sundry even though there is proper interest outflow in HTDTRAN menu or Interest Amount not fetched in HTM.

a) Please check the accounts in HTDTRAN whether interest posting for the quarter has happened on 30/06/2014 BOD. If the interest is paid to the SB account of the customer, it will not be available in HTM.

b) If Interest Posting entry is not shown, then check whether any verification is pending in these accounts in CSCAM/CMISAM menu and do the verification. Interest will get posted during the next EOD.

c) Also, check the EOD reports (in the HPR of the user who ran HSCOLD menu on 28/06/2014) and check for "Interest Application Failure Reports" which should contain the list of accounts for which interest could not be posted and the reason thereof.

This is mainly due to faulty process of interest payment from sundry account by mentioning wrong MIS or SCSS accounts in reference number column in the additional part transaction screen. Further, in the start and end amount field, no amount is to be entered in additional part transaction details screen.

After making sure of interest posting in HTDTRAN, use HFTI menu to check whether the interest amount is already paid. The filters to be filled in HFTI are:

• A/c id: SUNDRY ACCOUNT NUMBER (335/337/338)
• Reference No.: MIS account number
• From date: Interest posted date (interest due date / interest posted date as shown in HTDTRAN)
• To date: Current date
• Click on “GO”

   This will list all the transactions w.r.t the account entered in Reference Number

(vi) MIS, SCSS or TD Interest not credited to MIS/SCSS/TD sundry accounts or customer’s SB Accounts 

Interest not credited to Sundry or SB accounts for TDA products is mostly due to unverified audit transactions. Same can be checked in supervisor level by invoking HAFI menu. After verifying it, interest will be credited after EOD. HIOT (before migration interest) and HTDTRAN should be checked for knowing interest outflow.

(vii) SCSS Interest amount differs.

It is mainly because of deduction of Tax at source. For those accounts without PAN Card 20% tax will be deducted and accounts with PAN Card and without 15G or 15H, 10% tax will be deducted.  Availability of the PAN Card can be checked at CIF level. Any Modification done in the CIF level as regards Income proof has to be verified by the Supervisor.

(viii). Difference in MIS & SCSS interest in First month/quarter after migration.

This issue is being raised by many post offices. 

SCSS

When any office is migrated to CBS, while generating interest for the first quarter after migration, one day’s interest is deducted by Finacle from the due quarterly interest. This interest belong to the day of account opening given by Sanchay Post. This one day interest will be paid on the day of closure by Finacle. This is happening due to fundamental difference between Sanchay Post and Finacle. Sanchay Post  is paying interest for the day of account opening and not for the day of closure e.g account opened on 3.4.2013 will be matured in Sanchay Post on 3.4.2018. Sanchay Post will pay interest from 3.4.2013 to 2.4.2018 and payment will be made on 3.4.2018.In Finacle, with same example, interest will be calculated and paid from 4.4.2013 to 3.4.2018 and payment will be made on 3.4.2018. Total interest in both the cases will be same. When account is opened in Sanchay Post and closed in Finacle, one day’s interest will be paid extra. Therefore, this extra interest is being deducted in Finacle during first payment after migration

SCSS/MIS

In Sanchaya, rounding off was being done every quarter/month to the higher side of a rupee if interest is in 50 paisa or more but Finacle adjusts rounding off every quarter/month to restrict total interest to the actual rate of interest. Therefore, any extra interest already paid in Sanchay Post due to higher rounding off is also deducted during interest credit of first quarter/month after migration.  

For migrated MIS Accounts, Finacle is calculating interest on basis of number of days in a month from the date of opening of account.

Due to this, interest is not calculating equally for every month. This issue has been taken up with Infosys for correction. Till it is rectified, customer should be convinced that less interest credited/paid if any will be adjusted during next month.

Sanchay Post interest paid details can be known by invoking menu TIPM. Unpaid interest in Sanchay Post can be viewed in HIOT and interest calculated after migration can be viewed through HTDTRAN.

Sample Calculation of Interest in Finacle

1) Sanchay Post calculates interest from the date of opening till the date prior to maturity date. Example account - 0494076240, Sanchay Post calculates interest 30/09/2009-29/09/2014. No interest is paid for 30/09/2014. Finacle calculates interest from the next day of opening till the date of maturity. In this case from 01/10/2009-30/09/2014. So, the first interest payment of Rs.24/- is excess.

2) Sanchay Post rounds off the interest amount during every quarter; in this case Rs.2227.5 is rounded off as Rs.2228. Finacle does the rounding off / flooring off on such accounts on alternative quarters. Please view the Flow tab for this account for more clarity. 

3) For broken periods, Finacle calculates interest as follows (Eg. account-0494079867):

Quarterly amount / 3 => 2227.5/3 = 742.5

(Monthly amount / number of days in the month) * number of interest-eligible days => (742.5/31)*21 = 502.98 rounded off to 503.

4) This amount is also visible in the Flow tab of the account.

So, the interest amount depends not only on the principal amount but also on the date of opening and the number of days in the month. 

(x) How to handle Withdrawal of Excess amount from MIS Account in case of death of one of joint holder where amount invested is more than the prescribed limit for single holder.?

In case of Joint MIS Account where one of the joint holder dies and the investment in the account(s) is more than the MIS investment limit fixed for single holder, following process has to be followed:-

 
The user needs to withdraw the excess amount by selecting part closure in the menu HCAACTD.
Once HCAACTD is invoked the user needs to enter the date of death of the holder in closure value date and excess amount to be withdrawn in the withdrawn amount field.
Once the user goes into the closure details page of the menu HCAACTD, Collect penal flag has to be chosen as ‘No’ and in closure exceptions tab, closure reason code has to be selected as ‘DTCLM’. E.g. Date of closure when legal heir asks for removal of name of joint holder due to death = 10-10-2013. Date of death - 7-7-2013. So in the closure value date, the user will enter date as 7-7-2013.In the above scenario, conversion has to be done at account level from joint to single as well.

For this the following steps need to be followed once part closure is done at HCAACTD:-

If the deceased share holder is not the main holder of the account then in the menu CMISAM, the deceased share holder has to be marked as deleted.
If the deceased share holder is main holder of the account, then user needs to invoke menu HCCA and change the CIf id of the main holder to that of remaining holder, who would be the main holder in the account. e.g. CIF A, B and C are joint holder. CIF A dies and remaining holder want to make CIF B as main holder. Then the user will invoke menu HCCA and change the CIF id from CIF A to CIF B. (In Finacle, First Holder is the main Holder)

(xi) When Account Holder of MIS/SCSS/TD scheme approaches CBS Post Office, where account stands for transfer of accounts before maturity to another CBS Post Office.

The Counter PA or Supervisor or Postmaster should politely request the Account holder that since CBS has been implemented in the office, where he wants to transfer Accounts, there is no need for transfer of Accounts as he/she, on maturity, can take payment from any CBS Post Office after giving fresh KYC documents. Whenever any account is closed at the office other than the office where account was opened, payment should not be made by cash in any case and payment should either be made by crossed cheque or credit to savings account (where required KYC documents have been taken). Monthly/quarterly or Yearly interest can also be withdrawn at any CBS Post Office.

(xii) When Account Holder of MIS/SCSS/TD scheme approaches any CBS Post Office for taking interest or closing accounts.

The Counter PA should first go to HACLI and see that Account(s) are genuine and stand in Finacle. He/She will verify signatures of the holder(s) on the withdrawal Form or Account Closure Form with that available in Finacle. Once, it is confirmed from the signatures that holder is genuine, payment of interest should be made to the account holder as per process being followed for normal withdrawal. If account closure is requested, take SB10(b) form, fresh ID as well as Address Proof. After proper verification of KYC documents, Accounts(s) first to be transferred IN by using HACXFSOL. Whenever any account is closed at the office other than the office where account was opened, in any case, payment should not be made by cash and payment should either be made by crossed cheque or credit to savings account (where required KYC documents have been taken) only. If holder wants re-investment, closing proceeds should be transferred to Re-investment office account (0387) and credit re-invested amount into newly opened account/certificate. Remaining amount can either be credited to savings account or paid back by cheque.

SB10(b) and KYC documents should be sent to CPC of the office where payment is being made. CPC will scan the document and attach the same with CIF.

(xiii) When any claimant presents documents for preferring claim in respect of any MIS/SCSS/TD/RD/PPF account(s) stand at another CBS Office alongwith claim application form for payment or transfer of account (RD/TD/SCSS) in the name of claimant.

Date should be noted in the relevant field in CIF of deceased depositor. Follow the procedure laid down for settlement of deceased claim case. After sanction of claim, follow the procedure mentioned in scenario 5 above. If claimant wants to transfer RD/TD/SCSS account in his/her name, open new CIF (based on new Account Opening Form (AOF)} in his/her name (if not already exists) and attach the existing Accounts with new CIF. Name of holder can be changed through menu HAALM.

Claim Application Form and KYC documents of claimant or Account Opening Form (AOF) should be sent to CPC of the office where payment is being made or claim is sanctioned. CPC will scan the document and attach the same with CIF.

(xiv) TDS is being deducted even after entering 15G or 15H forms.

This happened because while entering 15G or 15H, users have not changes status of Tax as No Tax. There are certain cases where this has happened when 15G or 15H was entered before end of April 2014. In such cases, user has to go to FIF modification and just click on submit. Status will be changed to No Tax. In future, this problem has been resolved.

4.         RD Issues.

(i)  RD Premature Closure when requested within 3 years

Counter PA should be careful while closing RD account. System will THROW EXCEPTION if the RD account is closed within the lock in period and if exception is accepted, it will allow premature closure. Therefore, Counter PA should not accept the EXCEPTION and should not proceed further. If EXCEPTION is accepted, Counter PA will be responsible for closure.

(ii) Death Closure of RD products

During closure of RD once the customer dies, the user will have to update Date of death in CIF after marking as "Deceased" and then invoke the menu CRDCAAC and select death closure as ‘Yes’ and then select whether PSS closure is applicable or not. Date of death will automatically be taken from CIF.

(iii)  Is it possible to waive the default fee for defaulted RD accounts in Finacle?

Solution: No. Finacle will automatically calculate the default fee. It is not possible to waive the default fee.

(iv) Can RD accounts be extended?

Solution: Extension is automatic in Finacle on the day of maturity. On the day of maturity, during EOD, eligible RD accounts where 60 months intallments are deposited will be extended for a further period  of 60 months. If any account is missed, it can also be extended manually using PRDCM menu

(v) Can the maturity date deferred

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

(vi) In case if there are cases of default and rebate in account, cheque should be prepared for what amount.

Solution: In case if the monthly deposit is Rs.1000/- and there is a default of Rs.10/- (one month default) and the customer is to pay for 7 monthly deposits to get rebate of Rs.100/-. Total cheque amount should be

Total 7 months deposit – 7 x 1000 – Rs.7000

Default                                                - Rs.10

Rebate                                                - Rs.100

Total cheque amount                     - 7000+10-100=6910

(vii)  Is it mandatory to open RD Loan account separately for taking half  withdrawal 

For Half Withdrawal, RD Loan accounts needs to be opened in Finacle. Corresponding RD account will be collateral for this RD Loan account. RD Loan account number will be the same RD account number but suffixed by “1”.  If RD Loan Principal is outstanding during migration, RD Loan account will be created automatically.

(viii)  Whether RD Loan account number will be created during migration if RD PRINCIPAL IF FULLY PAID and Interest is pending or partially paid

No. RD Loan account will not be created if the RD Loan Principal is fully paid. For RD Loan interest, LIEN will be marked for the corresponding RD account. Before closure, LIEN amount should be collected and LIEN to be removed by invoking the menu HALM.

(ix) Can the RD account be closed without closing the RD Loan Account?

No. RD accounts cannot be closed without closing the Loan account as this RD is marked as COLLATERAL for the RD Loan accounts.

(x) Can the RD account be transferred without transferring the RD Loan account?

solution -RD Account can be transferred only when loan account is closed. 

(xi)  What is the Procedure of RD account closure when RD Loan was taken?

Premature Closure

Invoke the RD Closure menu CRDCAAC from Operator Login. System will automatically deduct the RD Loan amount and interest will be calculated on SB Rate of interest as per rule. Loan interest will not be calculated. RD Loan account balance will become 0 but will not be closed.  Loan account with Zero balance should be remained as it is and not closed. No need to invoke HLAUPAY or HPAYOFF for repaying the Loan amount.

On Maturity

RD Loan amount should be adjusted before closing the RD account. Invoke the menu HPAYOFF (Loan Pay Off Process) to pay the pending principal along with interest. Interest will be calculated at the prescribed rate. Total amount displayed to be collected from the customer. In case of transfer, select the repayment account of customer or office account from where the loan amount is adjusted. Supervisor need to verify the same. Invoke the menu HCAAC to close the RD Loan account and verify the same. Invoke the menu CRDAAC to close the RD Account.

(xii) Can the loan amount be less than 50% of sanctioned amount?

While opening Loan Account invoking menu CAOLARD, 50% of RD balance will be sanctioned. But the operator has the option to modify (reduce) the sanction amount but the amount should be in multiples of Rs.5/- but sanctioned amount cannot be increased. LARDD menu to be invoked to disburse the loan amount.

(xiii) Is it mandatory that RD Loan amount to be accompanied with RD monthly deposit?

No. As per existing rule, RD Loan cannot be made without depositing the monthly deposits. But, in CBS Post Offices, since RD Loan is separate account in Finacle, system will allow you to pay only the RD Loan amount without paying the monthly deposits.

(xiv)  Will system allow Loan / Half withdrawal in extended period?

Yes. As per rule, only one Half withdrawal ie Loan is allowed in the entire life term of RD account ie 60 months if the account satisfies the eligibility conditions.

(xv) Why Default fee is displayed even after paying the current month deposit?

This is common complaint made by Post Offices. In Finacle there is no concept of “PAID FOR THE MONTH OF” like in Sanchay Post. From account open date to current month, number of months will be calculated and if the number of months paid is less than the number of months to be paid, then system will consider it as DEFAULT. In case if there are gaps in between ie intermittent gaps in sanchay post ie for eg - 3 intermittent defaults, Finacle will push all the deposits and last three months will be shown as default even though the current month deposit has been made. Therefore, ask the customer to pay first for the defaulted month.

(xvi) How Default fee is calculated in Finacle?

In Finacle Default fee will be calculated as per the new Default Fee structure as per recently modified rate ie 5 paisa for every 5 rupees and Re.1/- for Rs.100/- deposit instead of Rs.2/-

(xvii) Can the current month deposit be paid without paying the defaulted instalment or without paying the default fee?

No. Current month deposit cannot be paid without paying the defaulted instalment. Default fee also cannot be waived. Only in case of Maturity deferred cases, defaulted instalments can be paid without default fee in the deferred period.

(xviii)  Error “A time stamp error occurred” during RD account closure?

This is happening due to Verification pending for some modification made in the respective account. Verify the account by invoking the menu CRDACM by supervisor and then proceed for closure.

(xix)  Error “Parent record does not exist for the record 0000123456” during bulk posting by invoking the menu HAGTXP.

This happening due to following reason:-

When single cheque is given for multiple RD accounts,

(a) cheque number will be available in first record under the field “CHEQUE NO. FOR RD INSTALMENT” in HAGTXP menu.

(b) For all other accounts linked to this cheque, the cheque number will be available in the field “CHEQUE Remarks”

(c) Ready for Posting flag should not be removed for the record which has “Cheque No. for RD instalment” (a) If this record is removed, balance records will fail with above error.

(xx)  Error “E4221 while closing Loan account? 

Solution

The above error occurs when the balance is not zero for the loan account. This means that payoff has not been done for the account. Please complete the payoff process and then close the loan account

(xxi) Error P39 coming in RD loan account payoff done through cash receipt

This error will be thrown in offices migrated in the middle of the month. (ie on or after 2nd)

In case of Loan Disbursement or Loan Repayment, the value date will be automatically changed to 01st of the month as interest is calculated from the 1st of the month for loans. As Cash account of that office will not be available as on 1st (since the office has migrated in the middle of the month) this error is thrown in Supervisor while verification. This error will be thrown only in the month of migration and from 2nd month cash mode can be used for repayment or disbursement.

Workaround to overcome this error

“In case of Loan disbursement – Instead of Cash (even if it is below Rs.20,000) select Transfer and show RD Loan Disbursement office account (Account number ending with 323) and pay by cheque or cash from this office account. ( CTM menu is to be used for this )

In case of Loan repayment – Instead of repaying through cash accept loan repayment through Transfer. Transfer can be from RD Loan Repayment office Account (Account number ending with 323) or SB account of customer (if available) (CTM Menu to be used for this).

(xxii) Why RD SI executing after EOD of 15th?

While configuring standing instructions of SB to RD, option should be selected as (B) i.e.  After change of Date. Otherwise, SI execution will happen after EOD of 15th.

(xxiii) How to execute RD Trial Closure:-

For invoking Trial Closure of RD account, user has to invoke CRDAAC menu. Select, trial closure and go to HPR to see amount to be paid after closure.

Customer should be told about the amount of interest and if he agrees, fill up amount in SB7A and get the signatures of customer on receipt portion. After that, actual closure should be invoked.

In case, SB7A is received from BO alongwith Passbook for sanction, amount of principle and interest should be entered on the Warrant of Payment Side under signatures of APM/SPM and a remark on the top of the SB7A should be written as "Sanction Valid till last working day of the month only". Other procedure as laid down in BO Procedure document should be followed

(xxv) Issue Reported : When the user tried to invoke HAGTXP menu in Modify mode, an error is displayed as “Invalid Agent Type and Scheme Code Combination”.

Solution : SAS type of Agents do not have access to post RD bulk posting. The Agent Type for that particular Agent ID needs to be modified as either PRS or MPB in HDSAMM menu. Post this modification, user will be able to do posting in HAGTXP menu. Appropriate Agent ID need to be modified as the commission structure differs for both.

5.  AGENT PORTAL

(i) What is the procedure to get eBanking User Id and Password?

Solution: eBanking user ID and Password will be forwarded on the day of migration by DMCC team only for agents (MPKBY/SAS/PRSS) who were linked with SB account in Sanchay Post. For agents created in Finacle after migration , DSA ID along with SOL ID and other mandatory details should be sent to fsihelpdesk for generation of eBanking User Id and Password.

(ii)  eBanking user Id and Password created in wrong name.

Solution: eBanking user id and password will be generated in the name of the Primary (First) account holder of the linked SB commission credit account. Suppose an MPKBY agent Kala has linked Joint Account as commission credit account with Primary(First) account holder name as Ravi, eBanking user id will be generated in the name of RAVI only and not in the name of Kala. This will not have any effect anywhere. If the agent wants eBanking User Id generated in their own name, either single account should be given as commission credit account or their name should be primary account holder in Joint accounts. This is added as a discrepancy in DBA Plus

(iii) Unable to Login. Please try again or contact bank for more details  – Agent Portal

Solution: Either the user name / password is incorrect or Agent portal not functioning. Agent portal will not function when the Finacle Core is down

(iv)  What to do when Agents User ID and password is locked due to  wrong entry of  password for more than  ten times.

Solution: Password will get locked if entered wrongly for 10 times. Agent should contact their respective Post office and in turn PO will raise a request to CPC who in turn will raise ticket with FSIhelpdesk with details of DSA ID and SOL ID to get the password reset for the agents. Agents should not contact Help Desk directly.

(v) Whether SAS agents can use Agent Portal?

Solution: SAS agents will also be provided with eBanking User Id and Password. SAS agents can logon to portal but no accounts will be linked to these agents. This DSA ID to be noted on the account opening form for getting the commission credited to their SB accounts.

(vi)  Agent Portal Host Error

Solution: Agent Portal is down or Finacle server is down. Try after sometime.

(vii) Agent Portal could not be logged on in newly migrated offices

Solution: Ensure whether the port access for accessing the agent portal is given by SIFY.

(viii) eBanking User Id and Password is generated more than once for many agents

Solution: eBanking user Id and Password will be generated for all the agents migrated to finacle including license expired agents / duplicate agent id. In order to avoid this, ensure that the license expired agents and duplicate IDs are not linked with SB account number.

(ix) No RD accounts are linked while logging in to portal

Solution:

During Go Live Migration - Transformation Layer, Agent Reconciliation excel sheet is shared with the Postmaster to ensure 100% migration of agents. Finacle DSA ID, Agent Type and number of accounts columns are available. Postmaster to check the correct DSA ID from Reconciliation Excel and logon by using that DSA ID before raising the issue.

Suppose if a single agent is having both SAS and MPKBY. Two ebanking user Id and Password will be generated. Use the appropriate eBanking User Id. Suppose three more eBanking user Ids are generated for the same agent due to duplicate IDs in Sanchay post, logon with appropriate eBanking user ID.

(x) Some RD accounts are not linked / not visible in the Agent Portal

Solution: Discontinued / Closed accounts will not be visible in Agent Portal. Ensure that RD account was linked to correct Agent in Sanchay Post. Inquire the RD account using CRDACM menu to check the DSA ID linked. If any account is not linked to any agent, user should link that account with correct DSA ID by using CRDACM menu.

(xi) How to prepare Bulk list with default fee

Solution:

1. Default fee is automatically fetched from Finacle Core and displayed in separate column “Default Fee”
2. Suppose in one account there are 4 months default, only one month default will be shown in the portal by default.
3. If the customer wants to pay more than one defaults, in the edit screen , click on radio button in the appropriate RD account .
4. Enter the number of months to be paid and click on “Get Default and Rebate”. System will automatically fetch the default and rebate.
5. Click on Save
6. In the first part of the screen against the RD account, new default fee will be displayed and the ‘MODIFIED” column will become “YES”
7. Once all the accounts are selected and edited, click on “Pay all modified instalments” to generate the eBanking bulk reference number.

(xii) How to prepare Bulk list with Rebate

Solution:

Rebate is automatically fetched from Finacle Core and displayed in separate column “Rebate”

1. Rebate will be calculated if,  6 or more months instalments are paid. If the customer wants to pay more than one month instalment, in the edit screen , click on radio button in the appropriate RD account .
2. Enter the number of months to be paid and click on “Get Default and Rebate”. System will automatically fetch the rebate.
3. Click on Save
4. In the first part of the screen against the RD account, Rebate will be displayed and the ‘MODIFIED” column will become “YES”
5. Once all the accounts are selected and edited, click on “Pay all modified instalments” to generate the eBanking bulk reference number.

(xiii) Whether the Default fee and Rebate to be added in the cheque?

Solution: In the DOP/Non Dop cheque, Default fee should be added and Rebate to be deducted along with monthly instalments. Suppose in an account with Rs.200/- denomination, there is a default of one month. If the customer wants to get rebate, 6 months instalments has to be paid. Already one default is there. Hence the customer should pay 7 months instalments to get rebate.

200 x 7 = Rs.1400, plus Default fee – Rs.2/- less rebate – Rs.12

Total cheque amount – 1400 + 2 – 12 = Rs.1390/-

(xiv) In case of cheques, can the default fee accepted as cash and monthly instalments as cheque?

Solution:  No.  Partial cash and partial cheque not allowed. While posting system will check for the total amount (Monthly instalment plus Default less Rebate) for that account. If there is a difference, an error “CHEQUE NOT CLEARED” will be thrown.

(xv) Process of posting Non DOP cheques

Solution:

1. It is presumed that the MPKBY agent has prepared the bulk list NDC34245 using Non DOP option with all required details like BANK NAME, CHEQUE NUMBER  ) When an agent prepares the bulk list with cheque number with 0 as prefix, 0s are truncated while storing in agent portal.
2. If the cheques are not handled through outward clearing, the following process should be handled.

(PLEASE NOTE: This process should not be followed if OUTWARD CLEARING PROCESS is followed)

Solution:

1. User to invoke  CXFER MENU in finacle.
2. Debit SBI (Sundry) account( SOL id followed by 0007 as debit account eg 600002000007)
3. Credit the following account
4. RD Retail / Bulk – SOLID0017 (Outward Clearing account)
5. For RD Retail / Bulk the cheque number SHOULD BE ENTERED in the Transaction Particular field (CXFER) without fail as described below

Procedure

1. Invoke CXFER , Dr Acct and Cr Account as above and
2. Enter the cheque number in the “Transaction Particulars” field by removing the word “BY TRANSFER”
3. Cheque number should be of 6 digits
4. Cheque number should be entered without prefix 0 (ie) cheque number 00234 should be entered as 234. 

6. To ensure that the amount of Bulk list is credited, Invoke HACLINQ and enter the Outward Clearing Account Number SOLID followed by 17.(0017)
7. Ensure that the Bulk list amount is credited along with the cheque details in the remarks column.

Procedure for Posting RD Bulk list

a.      Operator – Invoke menu HAGTXP – Modify – E Banking Reference Number – Click on Submit

b.     RD Bulk list verification – Supervisor – Invoke menu HAGTXP – Verify - E Banking Reference Number – Click on Submit

(xvi) Truncation of 0

Since 0s in cheque number are truncated in outward clearing, while preparing the bulk list also the 0s are truncated while storing even if the cheque number is entered with 0 prefix.

(xvii) Agent cannot generate bulk list for more than Rs.10,000/- if mode is payment is Cash

Solution: An error will be thrown if agent tries to generate bulk list for more than Rs.10,000/- if the mode of payment is CASH. For DOP and Non DOP cheques there is not limit. But in a list only 50 accounts can be selected.

(xviii) How many accounts can a bulk list contain?

Solution: A bulk list should contain maximum of 50 RD accounts or it should not exceed Rs.10,000/- if paid in cash whichever is applicable

(xix) Can a cheque paid for more than one account?

Solution:  Single Cheque can be paid for multiple accounts. Suppose if there are 8 RD accounts in the list and serial number 2, 4, 7 are paid by same cheque eg INDIAN BANK CHEQUE with cheque number 002345.

Click on 2nd RD account, enter the BANK NAME in the field. Suppose you enter the bank name INDIAN BANK as IND BANK, enter the cheque number – 002345 , account no for RD instalment – Indian Bank Savings Bank account number of this cheque  eg 643567 (This field will not be validated). Click on Save.

Click on 4th RD account, enter the BANK NAME in the field. Enter the bank name as IND BANK only as entered in the 2nd account ( Here the bank name should not be entered as IND. BANK or IND BK or any other format. The bank name entered here should be exactly equal to the Bank name entered in the 2nd record), enter the cheque number – 002345 , account no for RD instalment – Indian Bank Savings Bank account number of this cheque  eg 643567 (This field will not be validated) Click on Save.

Click on 7th RD account, enter the BANK NAME in the field. Enter the bank name as IND BANK only as entered in the 2nd account. (Here the bank name should not be entered as IND. BANK or IND BK or any other format. The bank name entered here should be exactly equal to the Bank name entered in the 2nd record), enter the cheque number –002345 , account no for RD instalment – Indian Bank Savings Bank account number of this cheque  eg 643567 (This field will not be validated) Click on Save.

(xx) Agent ID gets blocked

Solution: Agent ID gets locked when the password is entered wrongly for 10 times.

(xxi) At Nagpur City Ho 440002 there comes error while verifying lot.Lots are prepared by agent on 16/03/2014 in there prepared list default does not shown. Counter PA accept the lot on counter and send the lot for verification. But at the time of verification the it shows different types of error that does not exist, default fee is different etc. Due to which lot not verified.

Solution: Suppose agent prepares bulk list (Cash Mode) on 8th wherein few RD accounts opened from 1st to 15th dates are available. No default fee will be generated during bulk list generation on 8th. Finacle will calculate Default fee when the Agent presents the same bulk list at PO counter after 15th . When the operator tries to the post the Bulk list, only those accounts without default fee will get posted and accounts with default fee will be rejected. Remarks “ERROR - DEFAULT FEE/REBATE CALCULATION INCORRECT” will be thrown. New bulk list need to be prepared for those rejected accounts .

(xxii) How many accounts will be displayed per page in the portal?

Solution:- 10 accounts will be displayed per page. Total number of accounts linked to the agent will be displayed as 10 of 247 on the right side corner. Only first 500 accounts will be listed in the first screen. If there are more number of accounts, click on the option “Click here to fetch more accounts”, another set of 500 accounts will be displayed and by clicking this option, any number of accounts can be displayed in the portal

(xxiii) Can the RD accounts be sorted account number wise enabling easy selection of account for generation of bulk list

Solution:-When we click on the Account Number column, the RD accounts will get sorted either by ascending order or by descending order. Agent can select the required RD accounts by browsing through the pages. Agent can directly move to required page by entering the required page number and click on Go.

Agents can use any of the below three options for searching

1. Sort the account numbers and select the accounts manually by browsing through the page
2. Entering the RD account number in the Searcher field. This option can be used to select only one record.
3. Click on the  File icon on the top right corner. Soft copy of the entire list of account will be displayed. Required RD account can be searched using Find option (Ctrl + F) and thereby exact page number can be identified and can directly move to the respective page and select the RD account.(gopi – icon)

(xxiv) The Fonts in the portal are very small. Is there any option to increase the size of the font

There are three Font icons on the top right corner. Click on the icon to increase or decrease the font.

(xxv) Agent portal session ends frequently. Not able to generate even a single bulk list.

Agent Portal session will automatically logout in 30 minutes if remains idle. There will be a message alerting the user to “Continue the session” for another 30 minutes. By continuing the session  agent can remain the portal for hours together.

(xxvi) All the Ebanking reference numbers are printed together while taking print out of E Banking Lists:-

Click on the Reports – Enter the from and to date – enter the required eBanking reference number – select the status as Success and click on Search. Only the required eBanking reference number with Success status will be listed. Select the downloadable format  either pdf or .xls and click on OK. RD Instalment report with the required eBanking reference number can be either saved or printed.

(xxvii) Can an agent pay the default fee alone by cash and monthly instalment by cheque.

No, agent cannot pay the bulk list partially by cash and partially by cheque. Default fee should be added in the cheque itself. The bulk list will be posted only if the cheque number matches with the entire amount (monthly instalment along with default fee)

(xxviii) Is it compulsory to change the login password for the agent portal?

Yes. The agent should change the login password once in 180 days.

(xxix) Can the RD accounts linked to agent be paid across the counter?

Agent linked accounts cannot be paid across the counter. An error will be thrown while accepting the RD deposit across the counter. However if the customer still wants to pay across the counter, the Counter PA can delink the Agent DSA ID using CRDACM menu and after verification, accept the monthly deposit. Agent commission will not flow as the account is delinked from agent ID. For this purpose, depositor has to submit application in manuscript.

(xxx) Suppose a customer with RD account of Rs.5,000/- denomination want to pay for one year. How to prepare bulk list (Cash) with Rebate for denomination of Rs.5000/-

Solution: Prepare two Cash bulk list for two months simultaneously. Each bulk list will have two months with Rs.10,000/-. These two bulk list needs  to be posted. On successful posting of two list only, Agent should prepare the third list for two months. While preparing the 3rd list, system will show rebate as 6th instalment is being paid. Bulk list can be prepared with rebate and this list to be presented for posting in the counter.

Please do not prepare THREE LIST simultaneously in the above scenario. Only two list to be prepared and third list to be prepared on successful posting of two lists.

(xxxi) “Host not available” in Agent Portal on clicking the “AGENT ENQUIRE AND UPDATE SCREEN”

Technical issue due to Network/Port access. Check the portal after few hours 

PRSS Bulk List

(i) Is there any option to generate bulk list for PRSS agents

Yes. Bulk List Creation option available in Agent Portal can be used by PRSS agents to generate BULK LIST.

(ii)  Can the PRSS agent select all the accounts in a single click

Yes. Only those RD accounts without default/Rebate will be available in agent portal for selection. PRSS agent can use the select all option to select all the RD accounts in single click. By default all the accounts will be in selected mode. If the PRSS group leader want to remove any account from the list, deselect the required account.

(iii) Can single cheque used for all the accounts in DOP/Non DOP cheque case

Yes.  An option “Save and Copy” is available to copy the cheque number for all the accounts.

(iv) Whether single eBanking Reference Number will be generated in PRSS bulk list

Sub eBanking reference numbers with maximum of 500 accounts will be generated. In case if there are 4600 accounts, 10 sub eBanking reference list will be generated. Last eBanking reference number will contain 100 accounts and balance 9 eBanking reference list will contain 500 accounts .

(v) What is the command for posting Bulk PRSS

It is CPAGTXP

(vi) Whether posting will happen sub eBanking reference number wise

Yes. Operator to select sub eBanking reference numbers while posting the list.

(vii) Whether the same Bulk PRSS option used for generating list in case of default/rebate accounts

No. Bulk List creation option cannot be used for accounts with Defaults/Rebate. Regular “Agent Enquire and Update Screen” option to be used for Default/Rebate accounts.

6. Time Deposit

(i) How to handle Death closure of TD product.?

During the death closure of a TD account, the User has to choose the previous completed year of TD tenure, as the closure value date in the menu HCAACTD. e.g. TD account was opened on 5-3-2010 for 5 years. The customer dies and the legal heir of customer asks for closure on 25-10-2013. Since TD has run for 3 years, 7 months and 20 days, during closure the user has to choose the completed year of the tenure as on date of death i.e. 3 years only and enter the closure value date as 5-3-2013. Once the user goes into the closure details page of the menu HCAACTD, Collect penal flag has to be chosen as ‘No’ and in closure exceptions tab, closure reason code has to be selected as ‘DTCLM’

(ii) What closure reason code and closure value date is to be selected in normal closure of TD?

During Normal closure, the user does not need to change the closure value date.                                                    In the Closure exceptions tab, User has to choose the closure reason code as ‘Normal’.

(iii) How to generate separate LOT for 1/2/3 and 5 Years TD?

While generating LOT in HFINRPT, select scheme code as 1 year TD or 2 Year TD or 3 Year TD or 5 Year TD instead of TD Alone.

7.  Issues in Certificates (NSC/KVP)

(i)  ERROR:-NSC/KVP accounts not fetched 

Solution

In the input criteria in the Registration No. field, ’R’ has to be suffixed before Registration number.

(ii)  ERROR:- NO records fetched

While discharging the certificate, if error shown is as "No records fetched", there is a possibility that the certificates are not migrated. Please check re-conciliation report if NSC was available in Sanchay Post or check data digitization sign off report if NSC were issued manually. Write to DMCC.

(iii)  Not able to print Certificates

Before handing over physical certificates to the holder, do the following:-

1.         First of all, ensure that certificate inventory is moved from DL(Double Lock) to EM(Employee Location) as and when certificates are to be issued.

2.        After completion of all certificate issue process, a print command needs to be executed in Finacle using HDRP. Ensure that "printed successfully" radio button is ticked during executing the menu HDRP. Even if printer is either not installed or is not working, this command is to be executed.

3. In case certificate is wrongly printed  and the customer has returned or the post office is in possession of the wrong certificate - a duplicate certificate needs to be printed using HDUDRP menu option. This menu is available for Postmaster only.

(iv) NSC account opened but verification is not happening

Solution:

The above error occurs during account opening. Only instrument date has been entered and no other instrument details entered In such cases, the transaction will not be posted and has to be deleted in HTM menu. Once the transactions are deleted  the accounts opening has to be cancelled and then new accounts have to be opened again with proper data entry.

(v)        Process of NSC/KVP Bulk Closure

This process should be adopted only if customer applies to discharge all certificates issued under one registration number on the same day. With this process all certificates under one registration number can be discharged but certificates will be discharged 50 at a time and payment can be made by Postmaster Cheque only or maturiry proceeds can be transferred to Savings Bank account of the customer.if available . When this menu is invoked, if certificates are less than 50, all the certificates will be discharged. If certificates are more than 50, this process has to be repeated again with same Registration number and CIF number. It will continue to select next 50 certificates till all certificates under that registration number are discharged.

Closure by Counter PA

Step 1-Enter CNSBCV menu and select Z-Close.

Step 2- Enter Registration number and CIF ID.

Step 3 – Enter the repayment account if maturity proceeds need to be transferred to PO Savings Bank of the cusomter. If POSB account not available, leave this repayment account id as blank.

Step 4- Click on Submit..

Step 5- Go to HPR and see NSC Bulk Closure Success or failure Report after 10 minutes.

Verification by Supervisor :-

Step 1- Enter CNSBCV and select V-Verify.

Step 2-: Enter registration number and CIF ID. Repayment Account will get auto populated. It will be Postmaster repayment account from which Cheque is to be issued i.e 0340 if POSB account is not entered.

Step 3 : Click on  Submit.

Step 4 :- Go to HPR after 10 minutes and Check Success/Failure Report.

Step 5 – Details of maturity proceeds will be available in the success/failure report.

If Supervisor wants to Cancel the Operation due to any reason, X-cancel option should be selected before verification. After verification, there is no option to cancel the same.

(vi) Duplicate certificate printing menu HDUDRP is not available.

This menu is available only for Postmaster of HPO. Duplicate certificate printing can be done by Postmaster by taking proper certificate stock. Correctness of the certificate allotment can be checked using NSCAM menu

(vii) NSC and KVP certificates are not getting discharged even after showing proper balance and status in HACLI menu.

This is mainly due to unverified closure transaction which was already initiated using NSCAC menu previously. Same has to be cancelled in NSCAC menu before initiating the closure.

(viii) How to do a Trial closure at the time of Premature Closure of NSC/KVP accounts

Menu→using CSCCAAC(NSCAC).

• Trial premature closure option for the NSC/KVP accounts is done by executing the menu CSCCAAC(NSCAC).
• The interest applicable on premature closure of NSC/KVP accounts can be seen using the above referred menu.

CSCCAAC (NSCAC)Menu execution

Enter menu CSCCAAC(NSCAC)  and provide the inputs as shown below and select GO

On press of GO, the details will be shown in the details page, the interest details are highlighted for the record.

Once the Close option is selected, the principal amount and interest amounts can be seen.

Once the details are observed and noted, select Cancel.

Submit should not be clicked as it would lead to actual closure of the account.

If by mistake, Submit is clicked, a warning message     " Please confirm again this is a  actual closure and not a Trial Closure" would appear for confirmation. User should immediately enter 'No' and cancel to avoid actual closure.

(ix) How to do NSC Premature Closure i.e. closure before the maturity date

(a). In the menu CSCCAAC,

    i) The closure value date will be auto populated as BOD. In case of closure due to death, closure value date should be changed to date of death.

    ii) Select the account which needs to be closed prematurely

    iii) Input the closure reason code as one of the below:

          OBMIN- Order by Ministry of Finance

          FORFT - forfeiture of certificates

          DTCLM- Death claim (in case of closure due to death)

   iv) Mode of repayment allowed will be "Transfer" only and "Cash" mode will not be allowed

(ix) How to do KVP Premature Closure i.e. closure before the maturity date

KVP Premature Closure i.e. closure before 2 years and 6 months from KVP account open date

(a). In the menu CSCCAAC,

    i) The closure value date will be auto populated as BOD. In case of closure due to death, closure value date should be changed to date of death.

    ii) Select the account which needs to be closed prematurely

    iii) Input the closure reason code as one of the below:

    OBMIN- Order by Ministry of Finance

    FORFT - forfeiture of certificates

     DTCLM- Death claim (in case of closure due to death)

   iv) Mode of repayment allowed will be "Transfer" only and "Cash" mode will not be allowed

In case of NSC issuance – the DOP user has to check for stock availability and then open the account with NC4 or otherwise. Opening of Account when inventory is unavailable                              

(a). Check the availability of inventory using HISRA report (b). In case the inventory is unavailabe, procedurally issue NC4a receipt

(c). Invoke the menu for NSC account opening i.e. CSCOAAC

     i) Input the NC4A receipt number in the field for "NC4A Receipt Number"

     ii) Input all the other mandatory details  

(d). On receipt of Stock - Use the HDRP menu to print the certificate by input of account number.

(e). Invoke HFINRPT to generate a report of all NC4 a`s are issued with certificate printing pending

(x) How to do NSC/KVP Normal Closure.

First user has to do a Trial Closure. Once holder is ready to get payment, following process need to be followed:-

(a). In the menu CSCCAAC,

    i) The closure value date will be BOD. No need to change the same.

    ii) Select the account which needs to be closed  on maturity     iii) Input any closure reason code from the searcher as NORML

   iv) Mode of repayment allowed will be "Transfer" or "Cash" mode

(xi) Is it necessary to enter account number of certificate in Bulk Discharge (CNSBCV)

No. CIF ID and Registration Number is mandatory. Account number of certificates need not be entered.

(xii)         Can the maturity proceeds of bulk discharge be made through cash?

In Bulk discharge, payment through cash is not possible. There is an option to enter the REPAYMENT ACCOUNT ID. POSB account of the customer if available can be entered in this field. If no repayment account is entered, maturity proceeds will get credited to Postmaster Cheque Account (0340).

(xiii) When a certificate holders attend CBS Post Office from where Certificates were purchased for transfer of certificates to another CBS Post Office.

The Counter PA or Supervisor or Postmaster should politely request the Certificate holder that since CBS has been implemented in the office, where he wants to transfer certificates, there is no need for transfer of certificates as he/she, on maturity, can take payment from any CBS Post Office after giving fresh KYC documents.

(xiv) When a Certificate holder attends any CBS Post Office to encash certificates either on maturity or for premature closure where certificates were purchased from other CBS Post Office.

The Counter PA should first go to HACLI and see that Certificates are genuine and stand in Finacle. He/She will verify signatures of the holder(s) on the certificates with that available in Finacle. Once, it is confirmed from the signatures that  holder is genuine, holder should be asked to fill NC-32 and give fresh ID as well as Address Proof and Mobile number. After proper verification of KYC documents, Certificates first be transferred IN by using HACXFSOL. Customer’s new address and mobile number should be entered through account modification menu and it should be verified by Supervisor. Then payment should be made by crossed cheque or credit to savings account. Payment should not be made by cash in any case. If holder wants re-investment, closing proceeds should be transferred to Re-investment office account (0387) and credit re-invested amount into newly opened account/certificate. Remaining amount can either be credited to savings account or paid back by cheque.

If certificates belong to the period of pre-migration, an intimation of discharge should be sent to the office of issue by service registered post which will make discharge entry in the Purchase Application.

NC-32 and KYC documents should be sent to CPC of the office where payment is being made. CPC will scan the document and attach the same with CIF.

(xv) When any claimant presents certificates issued by another CBS Office alongwith claim application form for payment or transfer to claimant’s name.

In CBS environment, claim form can be submitted at any CBS post office. When such a claim is presented at any CBS post office, first of all, user has to enter date of death in the CIF and supervisor has to verify. Then procedure of settlement of deceased claim case has to be followed. After sanction of claim, if claimant wants payment, procedure mentioned in scenario 2 should be followed. If claimant wants to transfer of certificates in his/her name, open new CIF in his/her name based on new AOF(if no CIF is available in his/her name) and attach the existing Certificates (Accounts) with new CIF. Name of holder can be changed through menu HAALM.

In this case also, If certificates belong to the period of pre-migration, an intimation of discharge or sanction of claim should be sent to the office of issue by service registered post which will make discharge entry in the Purchase Application and attach sanction memo.

Claim Application Form and KYC documents of claimant and Account Opening Form (AOF) should be sent to CPC of the office where payment is being made or claim is sanctioned. CPC will scan the document and attach the same with CIF.

(xvi) A Certificate holder whose certificates stand at CBS post office  wants payment of matured certificates at non CBS Post Office .

When a certificate holder attends non-CBS post office, he/she should be asked to submit application on plain paper in duplicate requesting payment at non-CBS post office and his/her contact number. He/she should be asked to submit original certificates duly signed on the back. The certificate holder should be identified with fresh KYC documents. Postmaster of the post office (Non CBS) will accept KYC documents on the application for payment under dated signatures and send original certificates and application for payment duly accepted under his dated signatures attesting holder’s signature with designation stamp by service Insured Post to the Postmaster of CBS Post Office from where certificates were purchased. He will enter details of certificates and holder (including contact number) in a register to be maintained in manuscript.

When Insured is received at CBS Post Office, Postmaster will open the same and enter details of certificates and holder (including contact number) in a register to be maintained in manuscript. (CBS)Postmaster, after satisfying that Postmaster of Post Office (Non CBS) from where insured was received has attested signatures of holder on the application, will transfer original certificates to the CBS counter. Further process for discharge of certificates will be followed at the CBS Post Office. A crossed Postmaster cheque for the maturity amount will be prepared in the name of holder and handed over to the Postmaster. Entry of the cheque will be made in the same register and cheque will be sent by service Insured Post to the Postmaster of the Post Office (non CBS)  from where certificates were received. Insured Letter number and receipt should be entered in the register and receipt will be pasted against the entry.

On receipt of Insured letter at the Post Office(non CBS) from where certificates were sent, Postmaster will open the Insured Letter, enter Insured Letter number and cheque number as well as date in the register against the entry which was made at the time of sending the certificates. Certificate holder should be called over phone to receive the cheque. When certificate holder attends post office, cheque should be handed over to him under receipt in the register against the relevant entry.

(xvii) Application for transfer of certificates sent for verification by non CBS post office and on receipt of verification, post office migrated CBS.

The Postmaster will send such requests to the divisional head who will inform the certificate holder and arrange payment from the nearby non-CBS Post Office.

(xviii) A Certificate holder of CBS Post Office, lost certificates and wants to get duplicate certificates issued.

In such cases, certificate holder can apply for issue of duplicate certificates only at the CBS post office from where, certificates were issued. Process of issue of duplicate certificates should be started and completed by that CBS Post Office only.

(Procedure )

1. Move the inventory of Duplicate Certificates (if available) of same scheme to the user id from which duplicate certificate is getting printed. Otherwise, fresh certificates will be taken from the existing inventory.

2. GO to HDUDRP and provide details like account number /cif id for which certificate is getting printed.

3. HDUDRP will take the current inventory i.e either normal or duplicate certificates which is available with the user.

4. If certificates are actually printed through printer, the user is able to see DUPLICATE on the certificates. If certificates are not printed then a Rubber Stamp of “Duplicate” should be placed on the certificates where normal certificates are used. 

5.  After this, new certificate number will be available under the account number.  Use NSCAM menu to confirm that new certificate numbers are replaced with lost certificates.

6. If the any holder/customer come with old certificates, while closure, system will not those certificates in the closure menu .

7. Old certificate number will not be reflected in the system and user can’t be able to close the account.

8. NSS 87

(i) Account Closure

1. Invoke the menu HCACC for collection of TDS amount before invoking the menu HCAAC for account closure 2. Invoke the menu HCAAC for account closure

     i) Specify the Transaction type i.e. Transfer or cash and specify the corresponding Transfer account id for transfer mode i.e either customer's Savings Account or Postmaster Cheque Account..

9. AGENT RELATED ISSUES

(i) Non migration of agents and Creation of new agent ID in finacle and getting ebanking reference number

Solution: As per migration logic, agents who were not linked with SB account number will not be migrated.  Agent IDs (DSA ID – Direct Selling Agent) to be created in Finacle and the DSA ID to be sent to fsihelpdesk for creation of eBanking user id and password. Newly created DSA ID in Finacle should not have (.) Dots and Spaces.

(ii) Creation of MPKBY/SAS/PRS agents in finacle

Solution : Login  as Operator, Invoke HDSAMM menu. Click on Function Add. Enter the mandatory details. Select the appropriate Agent Type (MPB or SAS or PRS) by expanding the TAB. Agent Authority number to be captured in License No. free field without special characters. Set ID should be the SOL ID to which the DSA ID is attached. Please do not select ALL in the SET ID. Tax Code is mandatory. For PRSS agents, select as NO TAX and for other agent type, select as TDSAG.

Click on Product Tab – Select the appropriate scheme code from the searcher. Payment Frequency – D – Daily, Holiday, Next Day (No other options should be selected) Pay Commission should be Yes, select the appropriate subvention rev credit placeholder account number, Next Commission Date – Any date after migration date. 20 products should be linked to SAS Agent type, 1 product to MPB agent type and 15 products to PRS agents  Supervisor to invoke HDSAMM menu to verify the newly created DSA ID.

(iii) Creation of Agent ID from existing DSA

Solution: Invoke HDSAMM menu, select the function COPY, select the appropriate SOURCE DSA ID (select MPKBY agent type for creating new MPKBY agent) from where the entire details to be copied, Target DSA ID to be entered by the operator. The target DSA ID entered will be user name in agent portal also. Hence do not give complicated DSA ID. The DSA ID should not contain (.) Dots and Spaces. New DSA ID will be created along with Product Details. Operator to modify the agent name, address, commission credit SB account number, license expiry date, set id. No changes to be done in Product Tab. Supervisor to verify the newly created agent. By using this option new Agent can be created within few minutes.

(iv) Invalid Payment Frequency error while creating new Agent ID

Solution: While creating agent id, select appropriate payment frequency in Product Tab. Payment frequency should be D-Daily, If Holiday – Next Day) No other option should be selected.

(v) Procedure to link RD accounts to new created DSA ID

Solution: Counter PA to invoke the menu CRDACM. Select the radio button Agent in the Agent/Employee Code field. Enter the required DSA ID in the appropriate field. Click on Submit. Supervisor to invoke the menu CRDACM to verify the RD account which was linked with agent code.

(vi) Posting of other office AGENT LIST

Description of issue raised by Nagpur:.

While working on RD counter today, I wrongly post the agent lot having lot no-C 42453, Amt.2000 /-(Two thousand only) belong to Sol ID of Allahabad Ho & Agent ID is MIG007088 in the name of Smt. Kamini shandilya 2. Lot amount of Rs.2000/- shown in my cash position (HARI2612). Hence 2000/- are shown excess in my today cash position of finacle system. Also this lot shows in today’s Allahabad HO Agent Report.

Solution: In HAGTXP menu, Operator should not enter e Banking reference number instead  select the eBanking Reference number from the searcher to avoid wrong entry. Now this is avoided by making the AGENT DSA ID as mandatory field.

(vii) No commission is credited for MPKBY/SAS for new accounts opened

Solution:

1. Funding should be done during account opening itself for accounts opened through agents compulsorily. If funding is done subsequently, agent commission will not be credited.
2. If funding is done during account opening and still commission is not credit, check whether the PAY COMMISSION field is selected as “YES” in HDSAMM menu – Product Tab.

(viii) PRSS agent is credited 4% commission like MPKBY agent

Solution: Check the agent type in HDSAMM menu. Appropriate agent type should be selected in Agent Type field.

(ix) PRSS agent is also deducted Tax

Solution: Invoke HDSAMM menu and check whether the TAX CODE field is selected as NO TAX for PRSS agents. For other agent type TAX CODE should be TDSAG compulsorily

(x) Tax is not deducted for MPKBY agents

Solution: Invoke HDSAMM menu and check whether the TAX CODE field is selected as TDSAG for MPKBY agents.

(xi) Agent name is not visible while opening MIS/NSC/SCSS/RD accounts.

Solution: Ensure that appropriate products are added to appropriate agent type. For SAS Agent type 20 products viz

SAS AGENT TYPES – PRODUCTS TO BE LINKED

NSC81 – NSC VIII Issue Rs. 100/- denomination

NSC82 – NSC VIII Issue Rs. 500/- denomination

NSC83 – NSC VIII Issue Rs. 1000/- denomination

NSC84 – NSC VIII Issue Rs. 5000/- denomination

NSC85 – NSC VIII Issue Rs. 10000/- denomination

NSC91 – NSC IX Issue Rs. 100/- denomination

 NSC92 – NSC IX Issue Rs. 500/- denomination

NSC93 – NSC IX Issue Rs. 1000/- denomination

NSC94 – NSC IX Issue Rs. 5000/- denomination

NSC95 – NSC IX Issue Rs. 10000/- denomination

MISN1 – Monthly Income Scheme

SCSCM – Senior Citizen Savings Scheme

SCDEF - Senior Citizen Savings Scheme – Retired from Defence

SCVRS - Senior Citizen Savings Scheme – Voluntary Retirement

TDIP1 – One Year TD

TDIP2 – Two Year TD

TDIP3 – Three Year TD

TDIP5 – Five Year TD

PPF – Public Provident Fund

If NSC 81 and NSC 91 are not linked, the agent will not be displayed in the searcher. It is mandatory that all NSC products are linked to SAS agents.

(xii) MPKBY AGENT TYPE – PRODUCT TO BE LINKED

RDIPN – Recurring Deposit

(xiii) Will system allow transaction of an agent if the License is expired

Solution:  System will not allow transaction by an agent after the license expiry date. Agent should renew the licence expiry date well in advance This should be done using modification option in HDSAMM menu

(xix) Query from one Post office As per rule the agent can deposit cash in any scheme the commission will be paid to agent for investment of only Rs.10000/-, but in Finacle the amount paid more than Rs. 10000/- by cash the commission paid to agent directly to his SB account which is irregular.

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Solution: In agent portal an error will be thrown if an agent tries to prepare Bulk list for more than Rs.10,000/- in cash mode. Suppose if the agent prepares 6 lists with max amount of Rs.10,000/- and presents at the counter. Operator will be able to post even all the 6 bulk list in a single day.

(xx) Agent ID -DOP.MIG0002231 is not shown in finacle when we want to open an account of MIS through agent

Agent Type is configured as SAS but only RDIPN (RD) product is linked to this agent. For SAS Agent type, 20 products to be linked in HDSAMM and for MPBKY, only one product RDIPN to be linked.

10. PASSBOOK

(i) Whether there is a provision to handle stock and supply of Passbooks in Finacle?

No, there is no provision for Passbook stock and supply in Finacle. This has to be maintained manually.

(ii) Name of the office or the customer address being printed wrongly in Passbook

Solution:  Check the city code linked to the address of the Post office or the customer address. Then validate the city code description in the menu HRRCDM. Either the HRRCDM city code in the customer's address / Post office address has to be changed in the address details or the description of the particular code has to be changed in HRRCDM menu. For any more help, CEPT Team can be contacted.HRRCDM access is given to DOP Operations team to maintain the details.

(iii) Error B17 is coming while printing Passbook.

Solution: The passbook is not enabled at the account level. The same has to be modified at the account level for passbook printing.

For PPF account, the menu HACM has to be used for modification of the field A/C statement in the General Details tab. HACM menu is available with CEPT Team. Therefore, account should be emailed to CEPT for modification.

For SCSCC accounts, the menus CSCAM/SCSSMAV to be used

For MIS accounts, the menus CMISAM/MISAMAV to be used

(iv) What are Passbook printer settings for Finacle?

(1)        Printer Setting (Passbook)

For the proper printing of the passbook, the Passbook Printer needs to be configured as per the below specified document.

(v) An account holder of a CBS post offices wants to get duplicate Passbook issued.

Duplicate Passbook can be issued by any CBS Post Office after following the laid down procedure of issue of duplicate Passbook.

11.        Signature view issues -

(i) Issue Reported : Signature is not displayed

Solution: There may be a case that  signature is not uploaded in Finacle. In such cases, system will show the below details:

A discrepancy is added in DBA Plus to check whether the signatures are within 25 KB. All the signatures which were within 25KB will be migrated.  It was noticed that few signatures which were well within 25KB were also dropped. Now all the signatures which were dropped due to file size have been migrated.

Any signatures present in Sanchay Post database which is above 25kb size shall be dropped while migrating in Finacle. After the data upload, as a part of the recon details, Infosys shall provide the details of signatures dropped during upload. POs need to ensure that when the customer whose signature is dropped comes to the PO, fresh signature mandate is captured using a new  'account opening form' and customer's transaction is allowed based on the fresh signature mandate. POs to ensure that the account opening form is clearly identified by writing 'Signature mandate' on top of first page of the form . They should also clearly mention the CIF id and account number on the form. The form shall be sent to CPC for scanning and upload of signature in Finacle.

12. Clearing Issues

HOW TO HANDLE INWARD CLEARING?

Important:- The HO which is dealing with Clearing House will debit all cheques received from Clearing House at that HO only after following the prescribed procedure given below. No cheque should be sent to any other CBS HO or CBS SO.

(i)         Supervisor to open the Zone and enable the Operator to lodge (enter) the inward cheques received for clearing.

SUPERVISOR

Invoke menu HMICZ – for Zone Open

1. Select the appropriate zone (MICR OR CTS). As of now only MICR zone should be opened. CTS Zone should not be selected even the office is linked to a CTS Zone.
2. Zone Date – By default System date

3. Total Advice -Supervisor should enter the total amount of inward clearance amount. This can be modified even at a later stage.
4. Total No. of instruments in Advice – Total number of cheques corresponding to the Total advice to be entered. This also can be modified at a later stage. Click on Submit.
5. Zone is opened successfully`

(ii)  OPERATOR

1. Invoke menu HICTM – to Lodge (Enter) cheques received for Inward clearance

2. Select the appropriate Inward clearing zone opened by supervisor.

3. Enter the cheque number, amount and account number

Carve – by DEFAULT it is YES

(Carve – Carve means to slice off specified portion of funds equivalent to cheque clearing amount out of the total available balance. This is done to ensure that the cheques received for inward clearing is for sure cleared if sufficient balance is available. Customer cannot withdraw even from this account, the amount carved).

Suppose if there is insufficient balance in the account – An error will be thrown. Change the Carve as NO and lodge (enter) the cheque. Ensure that this cheque is marked as “Reject” in Inward zone – Inward reject can be done by using OPTION HICTM after running Post Validation run.

d)         To make Carve NO for rejected cheques (compulsory) first user need to click on empty space near individual cheque summary and then proceed further by clicking on explode button for additional rejection details. After completion of filling additional rejection details and click on accept then only rejected cheque’s  carve status  will become NO. With Carve Yes, rejected cheques will not be allowed to lodge. In above 3 screenshots how inward rejected cheque carving status changed from Yes to NO is shown.

e)         Alternatively by selecting the particular and clicking on show exception carve status can be changed to NO.

f)         For both type of rejects i.e. Inward and Outward rejects carving should be NO.

g)        Click on the SVS – Signature Verification system icon to view the signature

(iii)         Procedure to identify the duplicate cheque/instrument entry and delete the duplicate cheque entry

Errors will be thrown during EOD if Duplicate cheques are entered.   Procedure for deleting the duplicate entries is as follows:-

(a)         Invoke HICTM and select Delete function.

Note: Delete function can be used to delete the verified as well as unverified instruments

(b)         Click on Accept and the below screen comes up.

(e)         The Selected check box should be ticked for the record which needs to be deleted. For the other cheques, this check box shouldn’t be ticked

(iv)         If error “Carving could not be done as there are scheme errors” is shown, following is the solution:-.

This error is thrown when wrong account number is lodged (entered) in HICTM menu. This error is also when the scheme of the SB account is non cheque. Same has to be changed using HACXFRSC before lodging the instrument.

SUPERVISOR

(v). What to do by the Supervisor:-

Verify the cheques lodged (entered) using menu – HICTM

Click on Accept after verifying the details.

Suspend the Zone – HMICZ

(Please Note: No cheques can be lodged (entered) after SUSPEND. Still if any cheques are left out or high priority cheques to be entered, the same can be done by un-suspending the zone thru menu UNSUSPEND. Again lodge the cheques thru HICTM, verify and suspend the zone)

HMICZ - Validation run. This is Very Very  important.

After Suspension of Zone, validation Report should be generated. This report can be   checked  by using menu HPR to find out any rejects.

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If any rejects are found in HPR due to insufficient balance or for other reasons, go to HICTM – Modify – Select the appropriate cheque number and mark as INWARD REJECT by selecting appropriate reasons. If any double entries are found, go to HICTM and DELETE the appropriate cheque.

(vi)         Process for Rejecting the cheques which failed

(a) Invoke HICTM – Modify option from operator

/(b) Click on Accept without entering any details

/

(c) Select as “Inward” from the drop down in “Reject” field

/(d) After clicking on Inward Reject an error will be thrown as “Enter all Mandatory Field”. Click on the red and white button near the Reject field

/(e) If any error is found in HPR, supervisor cannot proceed further to POSTING.

(f) If no errors are found, zone status will show as Validation run successful. This can be checked through menu HMICZ – Inquire – Zone Status

(g) Go to HMICZ – Modify mode- Enter the total number of instruments and total amount. This should be done in SUSPENDED ZONE. This is mandatory. Supervisor cannot POST the zone if this is not done. Once the postings are initiated these statistics cannot be modified. Hence, extra care must be taken to update the correct statistics before initiating the postings.

(h) HMICZ – Post. Actual transactions happen at this stage only.

(Suppose if CARVE is NO. Balance will not be checked at time of LODGING. Suppose funds are available during VALIDATION RUN and while POSTING, no funds are available, these transactions will be in ENTERED state. The reason for this transaction in ENTERED state can be checked in HTM – Enter Tran ID - List All exceptions menu. Reason for entered state can be recorded and this cheque is to be deleted using HICTM menu. However this cheque cannot be honored.

(i) Reports can be taken in HPR . Scheduled report for all CLEARED CHEQUES.

(j) For taking print out of Rejected Cheques INVOKE MENU HREJREB

(k) Zone Close – HMICZ. This should be done after all the above are completed

OUTWARD CLEARING PROCESS

(vii)         First of all, Supervisor has to open Zone

• For Opening of Zone, Supervisor will go to – HMCLZOH
• Select “Open Zone” in the Function field and select the date
• Select the appropriate zone “MICROW” for MICR Outward. CTS-MICR for MICR     Outward CTS should not be selected.
• Click on Go

(viii) Entering of cheques.

• Counter PA enters the outward cheques using the menu HOCTM
• Select the function “Add” in the Option field and select the zone code and zone date
• and click on GO. MICR flag will automatically change to YES
• Enter the Account Number for which the cheque is to be credited
• SB account number -   SB account number in case of subsequent SB Deposit
• SOLID0017                -    In case of subsequent RD Deposit / Agent Bulk Deposit
• SOLID0017                -   In case of  PPF subsequent Deposit
• SOLID0382                -    In case RD/TD/MIS/SCSS/NSC Account Opening

• Enter the amount in the Amount field
• Enter the Transaction remarks like PPF, MIS, NSC, etc in the free Text field.
• Click on Add

• If Single Cheque and  Single Account Enter the instrument details in the second part of the screen
• If Single account – Multiple cheques – Click on Add below the Instrument details option
• If multiple account – Single cheque – Click on Add below the account details
• Enter the Instrument Date – Cheque Date
• Enter the Instrument No – Cheque Number
• Enter the transaction code as 10
• Enter the sort code          -  Sort code is of 9 digits. Enter the 4,5,6th digit
• Click on the searcher
• The Bank Code list searcher will appear. If sort code is not available in searcher, enter sort code of any branch of that Bank.
• Click on submit and select the appropriate Bank, Branch Code
• Once all the accounts / cheques are entered, the SUMMARY details can be viewed. Total Credit amount and Number of instruments.
• Click on Submit. Set No. will be allotted for cheques lodged.

(ix) Verification by Supervisor.

• Supervisor to verify the cheques lodged using the menu HOCTM
• Select the Function – Verify and click on GO
• Select the appropriate ZONE CODE, Zone Date and Set Number
• Click on Go
• All the instrument details will be listed below
• Instruments details can be viewed by clicking on the respective instrument number
• Total CREDIT AMOUNT and Number of instruments should tally
• Click on Submit
• “Successfully Verified in Online Module along with SET NUMBER        “ will appear

(x) Suspension of Zone.

• Invoke the menu HMCLZOH to suspend the zone
• Invoke the menu HPCLSO to print the CLEARING HOUSE SUMMARY REPORT

(xi) Release to shadow balance.

• Invoke the menu HMCLZOH to Release to Shadow Balance
• Select the function “Release to Shadow Balance”
• Select the appropriate date and zone
• Click on Go
• A window with General and Statistics tab will be opened
• While RELEASING TO SHADOW BALANCE, Zone Status should be “SUSPENDED ZONE”
• Click on Submit
• Job will be initiated and the report has to be checked in HPR

(xii) Marking of Outward Reject.

• After receipt of scroll, Rejects if any to be marked. Outward rejects are to be marked in Inward Clearing Zone. (Process given at Point (vi).)

(xiii) Regularization of Zone

• Invoke the menu HMCLZOH to REGULARISE  SHADOW BALANCE. Zone will be automatically closed on completion of this step.
• Select the Function “Regularise  Shadow Balance”
• Select appropriate date and zone
• Click on Go
• A window with General and Statistics tab will be opened
• While Regularising Shadow balance, the ZONE STATUS should be “RELEASED TO SHADOW BALANCE”
• Click on Submit
• Batch Job will be initiated and the report can be taken using the menu HPR
• If status of the any of the cheque is unknown HMARKPEN menu can be invoked to keep that cheque in pending for clearance. Same can be revoked by using the menu HREVPEND(available only for Postmaster).  Using these 2 menus, zone can be partially regularized.

• The balances in SB will be posted automatically once the zone is Regularised.
• Funds cleared for RD, PPF subsequent deposits will be parked in the Office Account. Invoke the menu HACLINQ to check the balance in the office account SOLID 0017. Fund the respective RD, PPF account using the appropriate menus by transferring funds from this office account.
• Funds cleared for NSC, MIS, TD, SCSS account opening will be parked in the office account SOLID 0382. Invoke the menu HACLINQ to check the balance in the office account SOLID 0382. Fund the respective accounts by transferring from this office account.
• The status of the zone can be viewed using the menu HMCLZOH

Procedure for handling Cheques presented at CBS SOs

(xiv)  AT CBS SUB OFFICE from where the Cheques are sent to CBS HO dealing with Clearing for clearance

• Invoke the menu HOMSO
• Select the function “Add”. Date will appear automatically
• Click on GO
• In case of subsequent deposit in Savings Account, Enter customer’s savings Account Number irrespective of where the account stands.
• In case of cheques presented through MPKBY Agent LOT, enter or select from searcher SO SOLID0017 as Account number.
• In case of RD Subsequent Deposit at counter, enter or select from searcher, HO SOLID0017 as Account Number.
• In case of PPF Subsequent Deposit at counter, enter or select from searcher HO SOLID0017 as Account Number.
• For new accounts/certificates opened by cheque, enter or select from searcher, SO SOLID0382 as Account Number.
• Enter the amount of cheque
• Enter the cheque number
• Enter the MICR code available in the cheque (this is mandatory)
• Enter the cheque date
• Enter the Tran Code as 10
• Click on Submit if only one cheque is available
• If multiple cheques are available, click on ADD and enter the cheque details of other cheques as detailed in above steps.
• Supervisor need to verify the cheques entered using same menu HOMSO
• Select the function VERIFY and enter the date
• Data verified successfully message will be displayed
• Take the report using the menu CHLR. This menu is accessible only for OPERATOR
• Report can be generated using menu CHLR
• Softcopy of cheques lodges can be viewed by clicking on the explode icon
• Copy the filepath from the above location
• Invoke the menu HTRFTOPC. Enter the source file name (the copied content can be pasted here) and the destination directory
• The txt file will be copied to the said location in the local drive.
•  Send this txt file along with CHEQUES to HO

Note:- Same procedure will be followed by CBS HO not dealing with clearing house but attached with another CBS HO dealing with Clearing House.

(xv) At CBS Head Office (Dealing with Clearing House)

After entering the HO cheques through HOCTM, upload the SO/Other HO Cheques using the procedure mentioned below:-

• On receipt of Physical Cheques from SO or HO alongwith list, HO will tally cheques with list.
• Invoke HCLUPLD from supervisor menu
• Copy the .txt file received from Sub Office to the required location.
• Browse and upload the file path wherein the cheque lodged txt file is available in the local system
• This has to be verified by the supervisor using HOCTM menu
• After verification, both the HO and SO/other HO cheques will be available in the Outward Clearing Report.
• Suspend the zone
• Take the reports using the menu HPCLSO
• Release to shadow balance.
• If no errors are thrown, release to shadow balance will happen successfully.
• Cheques received from SOs and other HOs will be sent to Clearing House alongwith cheques lodged at HO (received at HO counter).
• On receipt of cheque clearance scroll from Clearing house, HO will regularize the Shadow Balance.
• Once regularized, funds will be credited to

1. Respective SB account of customer and would appear in SB Consolidation of HO.
2. Office Account 0017 of SO for cheques presented by MPKBY Agents at SO for subsequent deposit in RD.
3.   Office Account 0017 of HO for HO cheques of RD Deposits.
4.   Office Account 0017 of HO for Sub Office cheques – For subsequent deposits (RD, PPF)
5. 0382 of HO for HO cheques presented for opening new Accounts/certificates.
6. 0382 of Sub Office for cheques received from sub offices – For New account opening.

• Amount of cheques received from SOs for RD Deposit of MPKBY Agents and for Opening of New Accounts/Certificates will be shown as Remittance Received in advance from SO concerned and intimation will be sent to Sub Offices via E Mail as well as entry in SO Slip.
• Amount of subsequent deposit into Savings Accounts, RD and PPF of SOs and HO received through clearing will  be accounted for at HO. In case of Savings Accounts, credit will happen directly on release of shadow balance and amount will be reflected in LOT as well as Consolidation. In respect of RD and PPF, HO has to credit the amount of each cheque in respective account after looking from Pay-In-Slip from HOSOLID0017 office account. This amount will also appear in HO LOT and consolidation.
• For new Accounts/Certificates, HO will open new accounts/certificates and fund these accounts by debiting HOSLOID0382 office account.

(xvi) Process at SO or HO (not dealing with clearing house) on receipt of Intimation of clearing.      

• On receipt of intimation from HO, Sub Office or other HO will post the agent lists by debiting their SOLID0017 office account.
• SO or other HO will open new accounts/certificates and fund these accounts by debiting their SOLID0382 office account.
• SO and other HOs will account for this amount as Remittance to HO or Clearing House HO against intimation of clearing received.

(xvii)  Errors and solution

• In case after the cheques are lodged and while viewing the cheques lodged report, a message “No records present for the given criteria “ is available in cheque lodged report.

Reason: This is due to non verification of HOMSO by the supervisor

• It is advisable, to use searcher for typing SORT CODE, as HOMSO doesn’t validate for the availability of SORT CODES in the database unlike ZONE. If any SORT CODES are not available in the database uploading will fail at ZONE level.

(xviii) What to do when Posting of Inward Clearing Zone not going through.

Ans.- This issue was noticed in one of CBS post office because of the below issues .

Solution:- User failed to see from validation report in HPR that  'Total Amt. in Advice' and 'Total No. of Instr. In Advice' in HMICZ menu was not entered hence the posting of the zone was not going through.

(xix) Point to be remember:- 

 Once the zone is opened in HMICZ, the instruments are lodged in HICTM menu. Once the instruments are all lodged and verified successfully, before suspending the zone in HMICZ, the 'Total Amt. in Advice' and 'Total No. of Instr. In Advice' should be entered and then the zone should be suspended.

(xx) Duplicate, Postdated instruments are getting lodged in Inward clearing zone and postings are initiated.

For this, workaround has already been circulated by Directorate. To avoid this scenario,

• Click on “Show exceptions” to view the error while lodging.
• Validation run report should be compulsorily checked in HPR. Only when there are no discrepancies in that report, postings should be initiated. Even amount and instrument statistics should be updated properly before initiating postings. After posting is initiated statistics cannot be modified.

(xxi) Outward reject instruments are not getting lodged in inward zone.

This is because in outward clearing zone, balance is not released to shadow balance. Only after outward zone balance is released to shadow balance, outward rejection instruments can be lodged in inward zone.

(xxii) Can the cheque cleared date be changed in Outward clearing?

Suppose if the cheques are sent for outward clearing on 01/08/2014 and scroll is received on 06/08/2014 with cheque clearing date as 04/08/2014, while regularizing the zone, cheque cleared date will be by default the current date and there is no option to enter the actual cheque cleared date. While funding new MIS/SCSS/TD/RD/NSC/PPF accounts opened or for subsequent deposit in RD/PPF accounts, actual cheque cleared date should be entered in the Value date field.

(xxiii) How to handle Outstation Cheques in Finacle?

Use HIRM menu and follow below mentioned steps:-

a.        Invoke the menu HIRM.

b.        The details of the cheque and the account number have to be keyed in using the Lodge option.

c.        Finacle will automatically collect the collection charges.

d.         Verification should be done for the lodged cheque.

e.        Send the cheque physically to the outstation location.

f.        If the cheque is cleared - intimation coming from outstation location - the Realize function needs to be invoked in HIRM menu and submitted.

g.        If the cheque is dishonoured - the dishonour function to be invoked and submitted in HIRM menu option.

(xxiv) How to handle dishonoring charge when outstation cheque is dishonored.

In case of dishonor of Outstation Cheque, the user has to choose the charge event ID in HIRM menu in change detail tab as dishonor (Not calculation just choose the only available value).

(xxv)  What is the procedure for outstation ' AT PAR' cheques.

Solution : At Par cheques should be treated as local cheques and entered in the outward clearing zone with other cheques. No outstation charges should be collected from AT Par cheques and these cheques should not be sent out just like other Outstation Cheques.

13. Branch Office Transactions

(i) New Account Opening at BOs

When new account is opened at any BO and Account Opening Form is received at Account Office, User has to Select Branch Office name in the field Branch Office ID. For this, User should Go to Account opening screen of concerned scheme and click on Branch Office Code. List of BOs with BO code will appear. Select BO from where Account Opening Form is received for opening of account.

(ii) A/c Opening date (Branch Office date):-

While opening of account,  Value date should be transaction date at Branch Office.Other procedure for opening of account will be same as prescribed for account opening at SO/HO. Only difference is that value date for opening of account should be BO Date and while funding the account, BO Settlement Account (0339) is to be debited. Savings Account is to be funded after opening of account and RD or TD Account is to be funded while opening the account.

(iii) B.O SB Deposit at Account Office

On receipt of Pay-In-Slip from BO, PA of Account office should follow the following process:-

a) Invoke CXFER  menu.

b) Select the Function – Add

c) Select the Transaction Type / Subtype – T/BI-Bank Induced

d) DEBIT BRANCH SETTLEMENT ACCOUNT (SOLID0339) and CREDIT Customer SB Account

e) Enter the BO Name in the Transfer Particulars column by removing the word “BY TRANSFER”

f) Enter the amount of Deposit

g) Enter the BO date in the Value Date column

h) Click on Post

System will generate Transaction ID on posting the same. PA should note down TRAN ID number on Pay-In-Slip in red ink (example:- TRAN ID SB-34567) and will hand over the same to Supervisor who should verify the transaction by using same menu. Only after verification, the transaction will appear in LOT and Consolidation.

(iv) BO SB withdrawal at Account Office

For withdrawals above Rs.5000/-, when SB7 is received from BO in Account Office, PA and Supervisor will go to HACLI menu and see balance in the account. Signature of depositor should also be compared with the available signatures in Finacle and PA as well as Supervisor will follow the same procedure as being followed now and sanction will be sent to BO

On receipt of SB7 from BO after payment (either up to Rs.5000/- or above Rs.5000/-) PA of Account Office should follow the following procedure:-

• Invoke CXFER  menu.
• ii) Select the Function – Add
• iii) Select the Transaction Type / Subtype – T/BI-Bank Induced
• DEBIT Customer SB Account and CREDIT BRANCH SETTLEMENT ACCOUNT (SOLID0339)
• Enter the BO Name in the Transfer Particulars column by removing the word “BY TRANSFER”
• Enter the amount of Deposit
• Enter the BO date in the Value Date column
• Click on Post

System will generate Transaction ID on posting the same. PA should note down TRAN ID number on SB7 in red ink (example:- TRAN ID SB-34567) and will hand over the same to Supervisor who should verify the transaction by using same menu. Only after verification, the transaction will appear in LOT and Consolidation.

(v) Procedure for BO SB account closure

• When SB7A alongwith Passbook is received from BO, User will Invoke the menu HACACCR
• Enter the details in field “Report To” as PM
• Select “INR” in CCY field
• Enter the BO SB account number in the “From A/c ID”
• Enter the same BO SB account number in the “To A/c ID”
• Click on “Submit”
• A message “Batch program successfully lodged “ is displayed
• A report “Accrual Interest report” is available in the queue . Go to HPR and select the report to print.
• Click on the Print screen for viewing the “Interest accrual report”
• The total amount accrued as interest till date is displayed at the end of the report.
• Interest amount shown in the report should be added to the balance in the account and noted On WARRANT OF PAYMENT of SB7A.  This should be sent to Branch Office for closure of SB account with direction that this is valid up to last working day of the month. Other procedure for sending sanction to BO should be followed.
• On receipt of SB7A from BO after closure, invoke the menu HCAAC for account closure.
• Select the function “CLOSE”
• Enter the BO SB account number to close
• Click on the check box “Transfer” in Balance field
• Enter the BO Settlement account in the “Transfer A/c ID” field
• Click on Go

• The balance amount in the account will be displayed in the A/c Information tab
• Click on the “Closure” tab to select the reason code and click on “Submit”
• On clicking “Submit”, total amount along with interest will be displayed. BO SB account will be closed and amount adjusted in BRANCH SETTLEMENT ACCOUNT. Transaction ID generated should be noted on SB7A and submitted to Supervisor for verification. After verification, transaction will appear in LOT and consolidation.

(xii) B.O RD DEPOSIT at Account Office

• On receipt of Pay-In-Slip from BO, PA of Account office should follow the following process:-
• Invoke CRDP menu.
• ii) Select the Function – Add
• ii) Select the Transaction Type – T/BI-Transfer Bank Induced
• Enter the RD account Number
• Enter the amount of Deposit
• Enter the BO date in the Value Date column
• Mode of Payment - Click on the “Transfer” Radio button
• Enter the BRANCH SETTLEMENT ACCOUNT (SOLID0339)
• Click on “Submit”

System will generate Transaction ID on posting the same. PA should note down TRAN ID number on Pay-In-Slip in red ink (example:- TRAN ID RD-34567) and will hand over the same to Supervisor who should verify the transaction by using same menu. Only after verification, the transaction will appear in LOT and Consolidation.

(xiii) BO RD CLOSURE at Account Office

On receipt of SB7A and Passbook from BO, PA should first invoke Trial Closure for issue of closing sanction. Same procedure should be followed as being followed for Trial Closure of RD Accounts standing at SO/HO in Finacle. Enter closing amount in SB7A and after following laid down process of sanction of BO W/D, Passbook and SB7A should be sent to BO with the direction that sanction is valid only up to last working day of the month. If customer does not attend BO up to that date, a fresh sanction is to be obtained by BO for which fresh Trail closure should be invoked. Once paid SB7A signed by customer duly entered in BO daily Account is received at Account office, following process to be followed by counter PA:-

• Invoke CRDCAAC menu.
• ii) Enter the RD account number
• iii) Enter the BO date in the Value Date column
• Closure details will be displayed.
• Select the repayment mode as “Transfer”
• Enter the BRANCH SETTLEMENT ACCOUNT (SOLID0339) as Repayment ID
• Click on “Submit”

Transaction ID will be generated and PA should note that Tran ID on SB7A and hand over to Supervisor for verification. Supervisor should verify transaction using same menu and option “Verify”. Once, transaction is verified by Supervisor, transaction will appear in LOT and consolidation.

(xiv)  B.O Interest Payment of 2,3 & 5 Years TD accounts at Account Office

When SB7 is received from BO for sanction of interest, PA at Account Office (SO/HO). First Invoke the menu HTDTRAN or HIOT to check the interest accrued for the said TD account. Following procedure should be followed:-

Enter the SOL ID

Select the scheme type as None

• Enter the TD Sundry account Number
• Enter the period wherein the TD interest has accrued (Start date and end date)
• Enter the TD account number in the Ref No. field
• Click on Submit
• Accrued TD interest is displayed.

The interest accrued can be viewed in the HPR report. The interest accrued  should be written in the Payment Warrant (SB7) and after signature of Supervisor, send back SB-7 to BO concerned after following the laid down procedure for sending sanction to BO. On receipt of TD SB7 after payment from BO, the following procedure has to be followed by PA for entering the Interest paid on TD account in case of 2/3/5 TD through HTM

• Counter PA to invoke HTM menu
• Select the Function – Add
• Select the Transaction type – Cash/Cash Transfer
• Select the Transaction Type as Debit and enter the SUNDRY DEPOSIT TD account number (0335)
• Enter the amount of TD interest paid
• Enter the BO TD account number in the reference column
• Click on GO
• Enter the BO TD account number in the Ref. No. field
• Click on GO
• Click on the required row which contains the unpaid TD interest for the said BO TD account.
• Click on Accept
• Click on the Credit Radio Button “Credit” and enter the BRANCH SETTLEMENT ACCOUNT (SOLID 0339) and in Ref No. field, enter TD Account number.

Click on Submit. Interest paid with respect to BO TD account in case of TD 2/3/5 is completed.

(xv)  CLOSURE OF BO TD ACCOUNT at Account Office

When SB7A is received from BO for sanction of TD closure, Invoke TD Trial closure for the required BO TD account and send SB7A to BO concerned by filling closure amount on Warrant by following the laid down procedure for sending sanction to BO. Before doing Trial Closure, unpaid TD interest if any should be checked by using HTDTRAN or HIOT menu. Total amount to be paid alongwith unpaid interest should be mentioned on the SB7A on the Warrant of Payment Side with signatures of Supervisor. It should also be mentioned that sanction is valid up to last working day of the month and if customer does not come for closure up to that day, fresh sanction should be obtained. All other provisions mentioned in the rules should be followed. On receipt of closed voucher from BO, the following procedure to be followed

• Invoke the menu HCAACTD.
• Select the Function (Z – Close) select closure (Trial Close selected in the screen shot)
• Enter the BO TD account which was closed at Branch Office based on the sanction of SO/HO.

• Enter the BO Date in the Closure Value Date field
• Click on SVS (Signature Verification System) icon to verify the signature in the BO withdrawal voucher.
• Click on GO
• BO TD account details will be displayed. Check the amount of principal.
• Click on “Closure Details” Tab
• Select the R-Repayment A/c only option for BO Accounts
  
• Enter the BRANCH SETTLEMENT ACCOUNT (SOLD ID 0339) in the Repayment A/c ID field
• Click on “Closure Exceptions” Tab
• Enter the Branch Office Settlement Account (SOLID 0339)
• Select the Closure Reason Code as NORMAL from the Searcher
• Closure details detailing the principal, interest adjustment and actual Booked Interest (Rs.10,000 + Rs.405.94) paid as maturity proceeds to the BO TD account to be verified with the voucher.

Click on Submit. BO TD account closed at Branch Office is closed at Account Office. Transaction ID Generated by the system has to be noted on the SB7A and handed over to Supervisor for verification. After verification, transaction would appear in LOT and Consolidation.

14. GENERAL ISSUES

(i)  How to enter cheque details at the time of opening of account when account is opened by cheque?

In the Account opening screens, there is a field for entering Cheque details if account is opened by cheque. This field is meant for entering POSB Cheque only. This option is available only for NSC, RD schemes. For other schemes, there is no option to enter the instrument type and number. Cheque of other bank should be first lodged in the Outward Cheque Clearing menu (HOCTM) and on realization in Office Account (0382) " Account opened through Cheque" new account is to be opened and funded by selecting Transfer option and enter the Office account 0382. While opening or funding account, Cheque details should be entered in the remarks column and not in the Cheque detail field.

(ii)  How to handle cheques sent for collection before migration but clearance received after migration. WORKAROUND FOR CHEQUES SENT FOR COLLECTION DURING MIGRATION (ie) Cheques sent in Sanchay Post and realized Post Migration

Introduction

1. Few cheques might have been sent for clearance during migration. (ie) Cheques might have been sent for clearance in Sanchay Post and intimation of clearance not received(received after go live)
2. These cheques may pertain to MIS/RD/TD/SCSS/PPF/NSC account opening, RD/SB/PPF subsequent deposits, RD Agent Bulk list.
3. Due to introduction of new default fee structure, RD accounts opened from 1st to 15th may get failed if the cheques are not cleared before 15th . Similarly RD accounts opened from 16st  till last day of the month  may get failed if the cheque is not cleared before  the last working  date of the month.
4. Below mentioned workaround should be followed till such time the outward cheques are processed through Outward Clearing Zone (HMCLZOH).

Please Note: This workaround to be used ONLY until the cheques are processed through OUTWARD CLEARING ZONE

User to invoke  CXFER MENU in finacle.

Debit SBI (Sundry) account( SOL id followed by 0007 as debit account eg 600002000007)

Credit account to vary according to the schemes listed below (0382 – Accounts Opened by cheque account)

1. SB – Respective account number (Subsequent deposit)
2. MIS – SOLID0382  – For New Account
3. NSC - SOLID0382  – For New Account
4. PPF – SOLID0382  – For New Account
5. TD – SOLID0382 -  For New account
6. SCSS -SOLID0382– For New account
7. RD – SOLID0382–   For New Account
8. RD Retail / Bulk – SOLID0017 (Outward Clearing account) – Subsequent deposit
9. For RD Retail / Bulk the cheque number SHOULD BE ENTERED in the Transaction Particular field (CXFER) without fail as described below

1. Invoke CXFER , Dr Acct and Cr Account as above and
2. Enter the cheque number in the “Transaction Particulars” field by removing the word “BY TRANSFER”
3. Cheque number should be of 6 digits
4. If the cheque number is 00234, “0”(ZERO) in the prefix of the cheque number should be omitted and enter as 2345 (i.e. 2345)

(iii)     What is the procedure for Posting RD Bulk list

1. Operator – Invoke menu HAGTXP – Modify – E Banking Reference Number – Agent ID- eBanking ref No. - Click on Go. Value date to be changed for records if necessary.
2. RD Bulk list verification – Supervisor – Invoke menu HAGTXP – Verify - E Banking Reference Number – Click on Submit

(iv)         What is the Procedure for New account opening (MIS/NSC/SCSS/TD/PPF)

1. Invoke account opening menu of respective schemes
2. Enter the mandatory fields
3. Instead of cash – select Transfer and select SOLID0382 (Account opened by cheque) for debit.

(v)  What to do when user wants to inquire about Finacle menus / Work flow / Procedure / Assistance etc

Ans.:- In case of  any enquiries regarding Finacle menus / Work flow / Procedure / Assistance etc CBS offices should contact the Circle Level Team located at the CPC. If it is not solved at Circle level, SPOC/any member of Circle team, may send mails to cbs-cept@indiapost.gov.in  Ph: 044 28543481

(vi) How to send information about Circle CBS Monitoring Team to be stationed at CPC to CEPT Team and Directorate.

Ans:- Information in the table below should be sent to cbs-cept@indiapost.gov.in., sakthiveluvm@indiapost.gov.in and directorcbs-del@indiapost.gov.in with copy to kawaljitsingh@indiapost.gov.in and all the CBS offices of your Circle.  

Circle Name :

Circle level team email ID :

(vii) .- What is the email ID of FSI Help Desk and its Toll Free contact number? What is escalation method if no response is received?

FSI HELP DESK - Infosys :

In case of  any issues / errors / technical problems in Finacle, it should be reported to fsidophelpdesk@infosys.com before 5 pm BY CPC. Post Offices will send issues to CPC Team.

Help Desk Toll free number  18001039474

Escalation : In case FSI helpdesk-Infosys  fails to provide Ticket number / Resolution with in 2 hours, escalate it to raghuraman_01@infosys.com

(viii)  How and to whom Network Related issues be reported?

Net work issues :

Sify toll free number : 18603458888, 044 – 22540985

Sify email ID : dop.helpdesk@sifycorp.com

Portal :http://servicedesk.indiapost.gov.in:8080

If not resolved within 4 working hours, escalate it to

Circle  level Contact person (Sify) :

(ix) in HTTUM menu  multiple times salary or pension is getting uploaded.    

Salary/Pension text files should be uploaded only once and after uploading HPR should be compulsorily be checked for OFTI report, upload success report and upload failure report.   Generation of report may take up to 30 minutes some times,  If no relevant report is generated immediately, we need to wait for minimum 30 minutes before uploading the same file again.

In case multiple postings are initiated due to multiple time uploading, SPOCs should be immediately contacted for reversal entry. HTTUM postings report can be taken from HFINRPT menu.

(x) .Funding for new accounts:

Funding not allowed for TDA products(NSC/MIS/TD/SCSS) after account creation. Except for SB and PPF, for all other schemes funding should be done at the time of creation of account by selecting Transaction as Yes.

(xi) HREVPEND not enabled for user

After marking “pend’ for a particular cheque using HMARKPEN in supervisor login, it can be revoked only by Postmaster using HREVPEND.

(xii). Transfer of accounts from one CBS Post Office to another CBS Office.

Use HACXFSOL menu for transfer of account from one CBS Post Office to another CBS Post Office. In menu HACXFSOL, account number should be entered mandatorily. If it is not done, all accounts of a scheme will be transferred. Therefore, extra care must be taken before invoking that menu for transfer of individual accounts.

(xiii). Claim closures of TDA products are deducting discount even after updating CIF

When claim closure is initiated, proper reason code, “death claim” should be given and “penal” flag should be changed as ‘N’. Otherwise discount will be deducted from principle amount.

(xiv). CIF modification in case of migrated data throwing an error.

While migrating, the DOB and Gender Status have been set as “01/07/1960” and “others” respectively by default. While doing modification for migrated CIF, date of birth along with gender also has to be modified and saved. This has to be verified by the Supervisors.

(xv). Enquiry of transaction;

To inquire the transaction details of a particular Tran ID, in HTM menu, “inquire” function can be used with proper transaction date. Entered and verified details of the transaction can be known in the detailed screen by clicking on other part transaction. Transaction inquiry can also be done by using menu HFTI.

(xvi). Transaction not getting posted in CTM/HTM menu

Solution :

The user who is trying to do the operation doesn’t have a teller account linked to his employee id, hence the issue.

Either the teller should post the transaction or the user trying to post the transaction should have a  teller account attached to his employee id.

(xvii) . Menu not available to particular user

Issue Reported : When the user tried to invoke any menu, an error is displayed as Menu Not avaialble for the user.

Solution : Please contact CEPT Team at Chennai for the required  access to be given to the specified user for the particular menu id.

(xviii)   User already logged in and User Account got locked.

Issue Reported : When the user tried to close the browser with out proper logout, again on log in, it gives error message as User Already logged in.

Solution : Please contact DOP Operations Team at Chennai for the unlocking the user id.

(xix) User_Menu_ID is undefined

Issue Reported : When the user tried to login and invoke any menu, it gives an error message as User_Menu_ID is undefined.

Temporary Solution :  Logout from Finacle Application. Make Internet Browser as your default browser. Press F-12, Clear all cookies and history. Then try to Login  through default browser i.e (Internet Explorer)

(xx)  Finacle Not Available or Finacle is Down

Instructions for Users at Post Office

The below list of instructions is for the users at the Post offices to raise a helpdesk request during CBS-Finacle connectivity issues ( Finacle not accessible)

The IncidentReporting.jsp page has to be typed in the browser, the complete path of which can be like http://DOPFSIHELP/.....incidentReporting.jsp  (to be provided once the page is made active)

The below page appears with the details of the user’s computer on the left panel and a section to enter the user details on the right panel.

The fields which are marked with an asterisk (*) are mandatory.

• The city of the user can be chosen from the dropdown provided

• On selection of a city, all the pin codes under the city are shown in the Pin Code dropdown

• On selection of a pin code, all the post offices under the pin code are shown in the Post Office Name dropdown with the first one selected

• On entering all the mandatory fields and a valid 10 digit contact number , the submit button has to be clicked

• On successful submission of the page with the user computer details and the user details, the confirmation page appears

(xxi)  Issue Reported : 

Initially 2 systems are connected with Finacle. Later on when 2 new system are connected, they are not working properly.

Solution : For the newly added two systems, desktop configuration is not done. Once the configuration is completed as per the provided PDF, it started working fine.

(xxii)  Desktop Setting ( Browser setting, Security settings, JRE version etc.)

For the Finacle CBS application, the configuration details are specified in the below attached zip file.

(xxiii) Salary-DA-Bonus/Pension-DA/BO (MGNREGS) Payments upload process in Finacle.

Creation of excel file

For pension credits, an excel file containing Finacle Account number, Credit Amount and PPO Number should be generated separately. List of pension accounts can be generated using HACSP menu in Finacle, specifying scheme as SBPEN (pension accounts without cheque) / SBPWC (pension accounts with cheque).

For salary credits, an excel file containing Finacle Account number, Credit Amount and remarks (eg. Salary for Feb.14) should be generated separately.

For debiting individual BO SB accounts after payment of NREGS payment, a debit option has been provided. Debit option is to be selected and the option ‘OTHERS’ is to be selected; SOL ID is to be entered. Excel file should contain only Finacle account number, Debit Amount and remarks (eg. NREGS payment). BO settlement account 0339 will be credited.

The excel file should not contain column headers and total; also, the account numbers should be exactly typed as available in Finacle including the prefixed zeroes.

Conversion of excel file to Finacle format

Run the file ‘TTUM.exe’. Select ‘Credit / Debit’ option and then the option (Salary / Pension / Others). Enter your SOLID. Then, click on ‘Create Finacle Format File’ option. Select the excel file needs to be uploaded. The excel file will be converted into Finacle format and message mentioning the file name / no. of accounts along with total amount included in text file will be displayed.

If the excel file is not in the required format, the conversion will fail and error message will be displayed.

Required corrections should be made in excel file and then conversion has to be done using the new excel file.

Uploading the file in Finacle

In Finacle the file has to be uploaded on the day of credit only; i.e. For February on 28/02 morning only.

Menu ‘HTTUM’ is to be used for uploading the file in Finacle. The menu is available for System Admin work class.

• Enter ‘PM’ in ‘Report To’ field. Select the transaction sub type as ‘Transfer – Bank Induced’.
• Select ‘Trial’ for Action. Select ‘On Successful Upload’ for ‘Rename File after Upload’ option.
• Select ‘Local File Path’ and click on ‘Submit’ button (or Press F10).
• Next screen with ‘Browse’ button will be displayed; select the text file generated using ‘TTUM.exe’ and click on ‘Go’ button (or Press F4).

• A message ‘Batch program successfully initiated’ will be displayed.
• Go to HPR to see the success / failure report.
• If failure report is generated, the errors such as invalid account number, should be corrected in the excel file and the excel file is to be converted into finacle format using ‘TTUM.exe’.
• After success report is generated, you have to proceed with the following steps.

• Invoke ‘HTTUM’ menu in System Admin login.
• Enter ‘PM’ in ‘Report To’ field.
• Select the transaction sub type as ‘Transfer – Bank Induced’.
• Select ‘POST’ for Action.
• Select ‘On Successful Upload’ for ‘Rename File after Upload’ option.
• Select ‘Local File Path’ and click on ‘Submit’ button (or Press F10).
• Next screen with ‘Browse’ button will be displayed; select the correct text file generated using ‘TTUM.exe’ and click on ‘Go’ button (or Press F4).

• A message ‘Batch program successfully initiated’ will be displayed.
• Go to HPR to see the success / failure report.
• In the report, the transaction id will be displayed (here S19873). Note down the transaction id.
• Check whether the ‘Salary account’ (SOLID0409) / ‘Pension account’ (SOLID0408) is debited for the entire amount and also check the individual credit of salary for each account.
• Salary and Pension account will always be in Credit (-ve) to that extent of salary and pension payment made.
• The Dr should be equivalent to the salary or pension credited for the month. It is the duty and responsibility of the Supervisor to ensure that the amount debited from Salary and Pension account is equivalent to the credits made in respective salary and pension accounts.
• HTTUM report available in HFINRPT is to be used for taking print out of the transactions created through TTUM upload.

(xxiv) Transfer of Accounts

• Advice of Transfer(AT) issued by a non CBS HO received at CBS HO or SO.

Account Holder should be contacted and requested to provide name of any nearby non CBS Post Office for opening of account. On getting such information, account will be opened on transfer in that office.

• An account holder applies for transfer of account to any other HO or SO at CBS or Non CBS Post Office.

Postmaster or Sub Postmaster of SO/HO where transfer of account is applied will go to DMCC Chennai website to see list of CBS Post Offices and confirm that post office to which transfer is applied is not a CBS Post Office. If SO is completely manual and unable to see the list, it will be the duty of HO that before issue of AT, list should be consulted and if that post office is already in the list of CBS Post Offices, AT should not be issued. Account holder should be contacted and asked to submit name of any nearby non CBS post office.

(xxv) Inter CBS Post office Transactions (INTERSOL TRANSACTIONS)

In CBS environment, transactions can be initiated in any CBS Post Office. Any depositor of Savings, RD, TD, MIS, SCSS, PPF or Certificates can initiate transaction either Financial or Non-Financial at any CBS Post Office. Transaction will appear in the Report No.19 i.e Common Counter Wise Transactions Report-Inter Branch of the office where transaction is initiated. Amount of the transaction would also appear in Consolidation of the same office. No transaction would appear in the office where account/certificate stands.  Extra care should be taken at the time of such transactions. In respect of withdrawal from savings Account for more than for  Rs. 50,000/- , it should be allowed only if required KYC documents of the account holder (s) have been taken. In respect of accepting deposits, no extra care is required to be taken. As regards, payment of maturity value of MIS/RD/SCSS/TD/PPF/Certificates, payment should be made by crossed cheque or credit to Savings Account (where appropriate KYC documents have been taken). Non Financial transaction means modification in account or CIF. This can also be initiated at any CBS Post Office but it should be supported by documentary proof. This document and application for modification (to be taken on A4 size paper) should be sent to concerned CPC where modification is being done for scanning and attaching to CIF. Please ensure that all Financial or Non Financial Transactions should be verified by Supervisor/SPM at the same office and same time when initiated.

(xxvi) A customer wants to do re-investment of matured amount in CBS post office.

In case, depositor wants re-investment from one scheme's maturity value to another scheme, total maturity value+interest should be credited/deposited under Office Account 0387 and then amount to be invested should be debited/withdrawn from this account and credited/deposited in the concerned new account. Remaining amount can be paid by cash/cheque from this account to the customer.

One Supervisor/SPM should take print out of the ledger copy of this office account by invoking HACLPOA or Office Account LOT and cross verify all debits and credits with corresponding re-investment entries in the LOTs on daily basis. Supervisor has to ensure that balance at the end of each day in this account is Zero i.e against all the credits entered for re-investment, amount should be debited from this account and concerned accounts are credited or remaining amount is paid.

(xxvii) How to change name of depositor in Finacle?

Procedure for changing the name in Account details

 ( in case of name change, use menu (HAALM)

Scenario

A customer has changed the name in Gazette and wants to change the name in all the accounts.

1. Invoke the menu CMRC and select the function MODIFY

1. Change the required Last name, Preferred name and short name
2. Click on Submit

2. Verify the modified details using CMRC menu

3. The Name change done in CIF will not get effected in Account level as this CIF has already been linked.
4. Now to correct the name in account details, invoke the menu HAALM from operator

1. Select the function MODIFY
2. Enter the account number wherein the name change has to be done
3. Click on GO

5. The old account details will be displayed

6. Required name to be changed in A/c Name and A/c Short name fields

7. An exception will be thrown, click on Accept

8. Verify the same using HAALM in Supervisor login

9. An exception error will be thrown. Click on Accept

10. Name has been changed successfully in the PPF account

(xxvii) Which are the Office Accounts to be used by Counter PAs and Supervisors?

15. END OF DAY ISSUES

(i) In SOL status inquiry, EOD event not in progress is shown but SOL status is shown as SOL DATE CHANGED.

In such scenario, invoke HSCOD menu by selecting RUN ONLY POST DATED CHANGE BATCH JOBS option and check the SOL status in HSSI.

(ii) Steps to ensure a fast EOD

Supervisor should not wait for verification of transactions in the evening. This should be done regularly after every 30 minutes,

Identify all the transactions which are in Entered Status and un-Posted/Partially posted status.

These Transactions needs to be verified in each post office by using relevant menu at the earliest and before the EOD starts.

If still any transaction is not getting posted then use HTM to post that transaction.

If still transaction is not getting posted, contact FSI Helpdesk immediately.

(iii) Steps to Inquire EOD blocking validations. 

Pending Transactions, Unposted, unverified transactions – HFTI menu should be used.

• Pending inward Zone to be closed -  HIMCZ/HICTM menu should be used.
• Pending Non Financial Unverified Accounts – HAFI menu should be used
• Pending Unverified Inventory Transaction List – HIMC/HICHB
• HSVALRPT report can be invoked to view the blocking validation for each sol.

16. Difference between Sanchay Post & Finacle

• In Finacle, as stated above, other bank cheques cannot be directly lodged/credited against relevant RD or PPF accounts.
• Cheques have to be lodged against designated Office Account and after getting clearance information, each and every deposit is to be made in the relevant RD and PPF account by debiting that identified office account.

(xviii) Death Claim Cases