EDITION MONTH YEAR

FIRST April 2008

SECOND July
THIRD October
FOURTH January 2009
FIFTH September
SIXTH April 2010
SEVENTH August
EIGHTH December
NINETH February 2011
TENTH June
ELEVENTH November
TWELFTH January 2012
THIRTEENTH July
FOURTEENTH May 2013
FIFTEENTH Sep
SIXTEENTH JUNE 2014

Branches /Offices please note that the "FCR Made Easy" user
guideline is only illustrative and not exhaustive. They are only
summarized guidelines for the day-to-day working. The
Guidelines, Educative Series, Job Cards, Compendiums, Manual of
Instruction, Circulars and Memos etc issued from time to time are
the final authority on the subject. For more information you may
refer to STC site in Cannet URL:
http://cannet/personnel/stc/CBS/CBS-main.htm
 FCR MADE EASY
INDEX

Sl No Subject/Module Page No
1 Terminologies 1
2 Hot Keys/Shortcut 2
3 Branch Operations 3
4 Cash 4
5 Inventory Maintenance 5
6 Security Maintenance System 6
7 Global Options 8
8 Customer Maintenance 9
9 CASA SB/CA 17
10 CASA - Recurring Deposit 24
11 CASA - Canflexi Deposit 25
12 CASA - Nomination 26
13 CASA - OD/CC 27
14 CASA INBUILT OVERDRAFT 31
15 CASA Cheque Maintenance 32
16 CASA - Transactions 34
17 CASA Pass Book/Pass Sheet 35
18 CASA - Inquiry 36
19 CASA ECS Mandate Management 37
20 CASA - Closure/Transfer 38
21 CASA Marking LPD/Writeoff 39
22 Time Deposit 40
23 Loans 50
24 VSL 64
25 CDCRM 67
26 Agricultural Loan 69
27 Clearing/OCC/CDB 71
28 Remittances 85
29 Head Office/BAR 88
30 NEFT/RTGS 91
31 NET Banking 96
32 General Ledger 103
33 Reports 104
34 Advances Concept 114
 FCR MADE EASY
SUMMARY OF CHANGES

Page Option Changes

8 CIM23 Group Code Creation NEW OPTION
9 CIM50 Cannet Screening Customer Passed
12 CIM09 Customer MIS Updation
13 CIM11 Foreign Nationals Details
13 CIM22 MSME/Beneficial Owner/POA/LOA details
13 CIM24 Group Customer Cross Linking NEW OPTION
18 CI142 Deletion of first named customer
27 CHM07 Purpose of Advance
29 BAM83 Automatic classification
31 Inbuilt Overdraft facility
47 TDS13 TDS refund NEW OPTION
50 LN057 Additional fields for taken over loans, agricultural
loans, HL, EL GCCS
51 BAM83 MIS classification is automated, link to LNM99
53 BA020 Additional fields for EL/SHG/JLG/MCG, LOK
ADAALAT
59 LN001 Loan Account Closure NEW OPTION
59 LN052 Taken Over Loan Details NEW OPTION
61 BA099 Priority Sector Data NEW OPTION
69 AGRI LOANS AC004, CHM31 and LNM31 made available
88 8419 Respond IBA/BAR

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 FCR MADE EASY
TERMINOLOGY

SL NO FLEXCUBE TERMINOLOGY - RETAIL

1 Central Bank Currency Chest
2 Vault Double Lock
3 Branch Batch
4 Teller Clerk at Counter
5 Authorization Verification
6 Modify(After Auth) Modify
7 Amend (Before Auth)
8 Delete (After Auth) Delete
9 Cancel (Before Auth)
10 TCY (Transaction Currency)
11 ACY (Account Currency)
12 LCY (Local Currency)
13 CCY (Country Currency)
14 Fast Path (Numeric/Alphanumeric) Option
15 CIF (Customer Information)
16 Customer IC (Identification Criteria)
17 Customer ID (Identification Number) Customer Code
18 Short Name (Full name itself)
19 Relations (Customer's relationship to the account
SOW, Auth Signatory, JAF, JOF etc )
20 CASA (C/Ac, SB, RD, OD/CC, Canflexi,)
21 Time Deposit (TD) Term Deposit
22 CC (Cash Credit) OCC (Open Cash Credit)
23 OCC (Outstation Cheques for Collection) OSC
24 Dormant Inoperative
25 Suspended NPA
26 Redemption Closure
27 Buy (Draw Inventory/cash from Vault)
28 Sell (Return Inventory/cash to Vault)
29 Collaterals (Any form of Security) Security
30 Product Scheme
31 Booking Lodging of instruments
32 Value Date Process (clearing) Regularization
33 Float ( Time period for clearing)
34 GL (All accounting heads) Sub heads
35 RPA (Repayment Pending Appropriation)
36 SMS (Security Maintenance System) DBA (Data Base Administrator)
37 Variance (interest concession/loading)
38 Draw Down: CH021 for RD, LNM31 for loan
39 Sweep In
40 Sweep Out
41 Hold Funds Reserve
42 Claw Back
43 Hand Off
44 Force Renewal

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 FCR MADE EASY
HOT KEYS
01 Alt+A Combination of Keys To View the Account Details
02 Alt+B Combination of Keys To View Balance Details of the account (like 7002)
03 Alt+C Combination of Keys To View Customer Name, Address, relations and
customer IC. (Max 3 customers of the account)
PAN and Mobile numbers are available.
04 Alt+S Combination of Keys To View customer Signature & Operation Instructions.
05 Alt+P At the appropriate Printing option (like deposit receipts, etc)
screen
06 F1 Functional Key Online Help
07 F8 Functional Key To invoke the last used option.
08 F11 Functional Key To change the Size of the Screen.
09 Enter/Tab Key board Key To move to the next field (Pref: Tab key)
10 Shift+Tab Combination of Keys To move to the Previous field

Please NOTE: Options like Balance Enquiry, Customer Enquiry, Signature Enquiry (SL No. 2, 3, 4) can be
viewed from the top tool bar (Related Transactions).

OTHER IMPORTANT OPTIONS

1 4500 Remote Authorization.
2 4501 Centralized Authorization.
3 4502 Incomplete Transaction (Financial).
4 4503 Transaction Verification.
5 7775 Report Request.
6 7778 Advice/Report Status Inquiry
7 7780 Advice/Report Cancel Request
8 BA001 7775-7778; Unauthorized maintenance Report (Non financial transactions)
9 7050 Old to New Account Inquiry
Logged in branch data only is available.
1. For IBBS Branch: The old account number (6 digits) prefixed by the following
codes:
01 CA; 03 SB; 07 FD; 08 KD; 11 FCNR; 12 RD; 55 ODCC; 66
LOANS.
2. For BANCS 2000: The Foracid (Account number in full) to get the new
account number in FCR

Online help is available in Retail module on the options that are being used. Access is provided
through Help tab in the top tool BAR. Data descriptions of different fields are available.

All materials like Guidelines, HO Circulars, Handouts, Compendium on CBS

are available through STC Site in CANNET through CBS Links.

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 FCR MADE EASY
BRANCH OPERATIONS

EVENTS OPEN CLOSE

Branch batch 6001 6002*
Vault Teller Batch 9003 9006
Teller Batch 9001 9005
Force Closing NA 6009

NOTE: Any supervisor having access right should run from any work station the option 6005
(Confirming Branch Batch) before branch closure in 6002.
7017 Batch Status Inquiry.

Before closing the Vault batch, Vault teller has to check the cash position through
FP6201.

Where the Teller has closed the batch for the day by opting 9005, the Teller can reopen the
batch by opting for 9002. However, the batch needs to be closed again through 9005.

All accounting heads under CBS have a General Ledger Code which is classified as Implemented
and non-implemented GLs. Non-implemented GLs do not conform to the accounting standards
like first debit/credit. To control negative balance, branch batch closure level checks are in
force now. 86 GLs have been brought under the purview of this check and branches should
ensure either Zero Balance or Credit Balance or Debit Balance under the specified GL
heads. For this, report GL616 should be generated before opting for branch batch closure
and rectify any aberration. (HO Cir 191/2010) (BO Report 120039)

The following reports also should be verified before branch batch closure:
CH704: Signature not captured
BA001: Unauthorized non financial transaction.
BA121: Outward/Inward NEFT Message Report.
BO Report ID 124921_Report on cash receipts over Rs One lakh received in CA-OD-OCC
Accounts giving details of cash remittances aggregating over Rs. 1.00 lakh

Teller B can accept cash receipts up to ` 25000.00, make payments up to ` 20000.00 against
cheques and transfer transactions up to ` 25000.00 on his/her own without supervisors
authorization.

Teller A can accept cash receipts up to ` 15000.00, make payments up to ` 10000.00 against
cheques and transfer transactions up to ` 15000.00 on his/her own without supervisors
authorization. (Cir 383/2011)

Effective 01.07.2013, non financial transactions authorization is included under BBC

check (Cir 308/1013).

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 FCR MADE EASY
CASH
01 9007 Buy cash from Vault After opening the Vault Batch (9003) the teller
can buy cash from vault for their daily use.
02 9008 Sell Cash to vault Transferring the balance cash to Vault before
teller batch closure.
03 6201 Cash Balancing To verify whether the Branch and Host database
are in sync and physical cash with the teller
matches with that in the system
04 7040 Teller Total Position Total transactions by a teller for the day
05 7775/7778 Report Option/Print
TP5049 Cash receipt and payment waste
TP6007 Auto reversal Transaction report
ST644 Product wise total of days Transaction
TP5021 Closing cash position of Branch to tally with the day-book.
TP603 Cash Payment Waste Branch/Teller
TP604 Cash Receipt Waste Branch/Teller

Ref Cir 363/2011 Reports for daily slip preparation

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 FCR MADE EASY
INVENTORY MAINTENANCE
Since Printing Section is NOT CBS as of Now, every branch will act as
controlling branch for itself in maintaining the INVENTORY.
01 IV001 Inventory Steps involved:
Transactions 1. Request Inventory Request No, Type, Ref No
to be entered clicking on Add button obtain
SL No. enter inventory catalog code and
quantity required.
2. Order Inventory Purchase Order No to be
supplied, request no to be picked, supplier
code to be picked, enter reference No. Click
add button, enter SL No (alpha Code) for each
inventory along with Start No.
3. Receive Inventory Confirm Alpha code and
start no by choosing 'Y'
4. Issue Inventory - Confirm by selecting 'Y'.

Inventory will automatically move to the branch

02 IV011 Stock Inquiry Inventory can be inquired based on

1. Balance on hand
2. Inventory transaction
3. Indent request status
Can also be inquired on User ID

03 9019 Transfer Inventory Buy and Sell inventory from/to Vault- double lock

04 IV002 Inventory Adjustment Teller can mark the inventory as torn, rejected,
returned, lost, cancelled, duplicate, found, transfer,
used etc. Marked inventories will not be available to
be issued to the customer.

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 FCR MADE EASY
SECURITY MAINTENANCE SYSTEM

REF: HO Cir 153/2007 dt: 30.05.07 & 87/07 dt 20.03.07 for SMS
15/2011, 267/2011 for Pass Word Secrecy
01 8892 Download Service Available to SMS user of the Branch. Select required
entity-

The system should give message 'Download

Successful'

02 8891 Download Log To enquire the status by entering the ID. Available to
SMS user of the Branch.

03 752 Resetting Primary When the pass-word has lapsed/expired/forgotten

Password by the user to reset against acknowledgement in
NB164 register.

04 753 Enable/Disable User To enable user when user uses wrong password
thrice. To disable user on transfer, deputation,
retirement, resignation, dismissal, discharge, etc.

05 755 Modify Login Status Set right Improper Logout (Killing User)

06 759 User Profile Marking start date and end date for vacation (Dual
Maintenance control)

07 SMM02 User profile Changing the role of User (Temp Sup duties,
Maintenance transfer, deputation, branch in charge role, etc) (Dual
Control)

08 768 Change Primary To modify password of self (Any User)

Password

Please NOTE: 1. User creation is done at Central Level (DIT _ SMS Group) as per requests of
the branch both for FCR and FCC separately.

2. At branch level minimum 2 users will be assigned with SMS role, to handle user related
tasks.

3. SMS user will have two separate user IDs, FIRST Functional User ID and SECOND SMS
User ID for FCR. In FCC both functional task and SMS role can be assigned to one common ID.

4. SMS Reports for FCR is available under 7775/7778 whereas for FCC it is available in Web-i
(Business Objects).

5. Same Level Authorization for supervisory staff permitted. A Teller level ID is created for
supervisory staff by suffixing T to the user ID. This facility is extended to branches having

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 FCR MADE EASY
SECURITY MAINTENANCE SYSTEM
more than 2 supervisory staff. In case of transfer, all his/her user ID has to be transferred
to the transferee branch (Guideline 73/08)

6. Deputation of staff between CBS Branches:

NOT POSSIBLE:
a. if a person opens branch batch in a branch as in-charge
b. if a person opens teller batch in a branch and does cash transaction.

POSSIBLE:
a. if a person opens teller batch in a branch and has not put any cash transaction,
b. if a person having template 80 (Branch in-charge) and has not opened branch batch for the
day (Guideline 5/09).

From the control angle, Branch-in-charge/II line manager has to verify TP5029 and
SM6009 reports everyday which reflects teller inter branch transactions and users
logged in from other than home branch.

These mandatory reports are to be generated, scrutinized and authenticated without fail on a
daily basis and preserved for future reference

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 FCR MADE EASY
GLOBAL OPTIONS

01 CHM01 CASA Product Master To know details of all CASA products, GL,
Maintenance Interest, SC, Exception, Facilities etc.

02 TDM01 TD Product Master To know the details of the product like term,
minimum and maximum amount, GL codes etc

03 TD060 TD Product Rate To know the ROI linked to a particular TD product

Maintenance as on a given date

04 LNM11 Loan Product Master To know/Inquire details of a loan product like

Maintenance booking, disbursement, repayment, GL etc

05 LNM98 Schedule Type To inquire type of a schedule linked to a product

- Click on pick list for Schedule Code
- From the Webpage dialog box, click on in
either Product Code or Product Name; click
on All, select the product.
- All schedules attached to the product are
listed
- Click on the desired schedule.

06 LN060 Loans Product Rate plan ROI maintained for a plan ID of the product

07 LNM41 Interest Rules Rule definition of Interest

08 LNM43 Installment Rules Rule definition of Installment

09 CIM23 Borrower Group Utility for HO users only.

Maintenance - Group Code: Maximum 10 alpha numeric
- Group Name:
Once created, the group will be available to add
Customer ID through CIM24 option to branches.

Once created, the group code can be deleted

before linking any customer ID

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 FCR MADE EASY
CUSTOMER MAINTENANCE
01 CIM50 KYC Details For the purpose of modification/Inquiry, Data can be
Maintenance invoked based on either Customer IC or Customer ID by
(Ho Cir 207/2011) entering the values in the respective fields.
(User Compendia Add Mode:
on CASA/Clearing/ Customer IC: Customer Identification Criteria:
OCC/Term Maximum 14 Alphanumeric characters : 4 + 4 + 6
Deposit/FCNR DPCODE + First FOUR Characters of Name +
updated till Date of birth/Incorporation/establishment in
30.04.2010) DDMMYY format. E.g. Branch is DVG Road,
& Bangalore, for a customer with name GAURI &
(CBS Hand Out 2) DOB 06.12.1985, IC will be 0473GAUR061285

Category of the Customer from Pick list individual, NRI,

Proprietor, Partner, Staff etc

Sub Category: This field gets activated if the category is

other than individual

For NRIs governed by Double Taxation Avoidance

Agreement (HO Cir 160/08), select the correct type basing
on the country of residence of the customer (GL 64/08).

Customer Name: Enter Customer Name

HO Cir 359/2013 Customer Unique ID (AADHAAR): system validates the
pattern
Updated on: Date

IDENTIFICATION DOCUMENT DETAILS TAB

Tick on the relevant document box and enter the details.

System will check for PAN pattern (AAAAA9999A) and

throws an error message if PAN entered does not conform
to the pattern.

If PAN is provided subsequently, update through CIM50

only.

MODIFICATION/SUBSTITUTION/DELETION of PAN
should be done through CIM50 only.

Status of Form 60/61: If PAN is not available, select

appropriate value from drop down list

Photo Obtained: Tick the box. System date is populated.

F I Customer: (OPTIONAL FIELD) Rural/Urban from drop
down list.

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 FCR MADE EASY
CUSTOMER MAINTENANCE
Once authorized, value in this field cannot be modified
in the event of a wrong selection.
Customer Identification Data Obtained on: By default
system date.
Customer Risk Category: Low /Medium/ High
Review of Risk Category done on: By default system date.
Annual Income Category: Select from drop down list
Reason for Modification of Risk Category: To be
specified if risk category is modified.
Customer Passed CANNET Screening: Checked for having
screened through UNSCR list

ADDRESS PROOF DETAILS TAB

Tick the box against relevant document.

For existing customers, details can be captured either

under Add or Modify mode depending upon whether details
were captured earlier through CIM18. In such cases,
date in the field 'Customer Identification Data Obtained
on' should be suitably modified else system will throw an
HO Cir 23/2013 error message 'KYC details not obtained'

CENSUS CODE TAB

State Code :
District Code :
Sub district Code:
Village Code :

Above values should be selected from drop down list. All

are MANDATORY.

Ward No:
Block/AC No:

Above two fields (non mandatory) should be updated for

Urban centers

02 8053 Customer Addition Creation of a Customer ID:

(GL39/2008) - Customer IC: Should be same as that given in
CIM50.
- Select Category form drop down list. Should be same
as given in CIM50
- Go for Validation. System will check for (IC +
Category), KYC Compliance and appropriate message
New or Already Exists will appear

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 FCR MADE EASY
CUSTOMER MAINTENANCE
- Short Name: Always should be full name
- Customer ID 10 digit system generated serial
number which is unique across the Bank
- Though Last Name is not mandatory here, it is
mandatory for NET Banking.
- All mandatory fields denoted with * should be
entered like DOB for Individuals, Date of
Registration, Incorporation, Commencement of
Business or any relevant date.
- Introducers details: Introduction is not mandatory.
Till such time the programs are modified, Non
Customer shall be selected and in Non Customer
Type select Introduction letter and mention HO Cir
ref 147/2013 under Non Customer Details.

Mobile Number and E mail ID, if provided by the customer

should be filled in invariably since they are required for
Net Banking and NEFT. Mobile number should be prefixed
with 91 for India and 00 (Zero) for international numbers.

In case of Staff:
Category should be selected as Staff;
Staff flag should be ticked;
Employee ID should be mentioned

03 CIM09 Customer Ten Tabs or embedded pages are available for

Information Modify/Inquiry
Master 1.Basic Information:
Maintenance - Global ( ) To be selected for replicating Customer
ID in FCC
(Guideline 61/07) - PAN: PAN details: Number entered through CIM50
Guideline 49/2010 will be available here. Display field.
- Form 60/61: Display
- Member: Field to be selected if member of any
Club/Association
- Membership Number: Enter the number
- Staff ( ): If Staff, Employee ID
- Keep in Office: To be opted only if written
communications to the customer needs to be
withheld.
HO Cir 359/2013 - Default Acct No: If the customer is having more
than one CASA Account, the account selected by the
customer is to be entered here. This is the account

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 FCR MADE EASY
CUSTOMER MAINTENANCE
which will be linked to AADHAAR
2. CL Tracking Details: This Tab is enabled only if Global
is checked. Overall Limit based on inquiry/net worth of the
customer and currency (INR) fields should be updated for
replicating in FCC module.
HO Cir 542/2013 3. Customer MIS Information: MIS updating. Basing on
these values various reports are automatically generated.
Unless updated, disbursements in loans, if any, are not
possible.
4. Composite MIS Information: Name of Retail Asset
Hub.
5. Permanent Address: If different from Mailing address
maintained in 8053.
6. Mailing Address: By default this is the address
captured in 8053. If any modification in address,
Telephone Number, Mobile Number, E-mail/Internet ID.
For providing Net Banking Facility, same address in
application and E-mail/Internet ID to be captured. Mobile
number should be entered in MOBILE NO field with 91-
country code for India, 00 (ZERO) COUNTRY CODE for
abroad as prefix.
7. Hold Mail Address: Branch address is moved to this
field when the Keep in Office flag is ticked
8. Individual Customer Information:
(a) Status: Regular/NRI To Update
(b) Signature Type To Update
(c) Ethnic Origin To Update
(d) Professional Code To Modify
(e) Marital Status To Modify
(f) Number of Spouse To Update
(g) DOB To Modify
(h) Introducers Details To Modify
(i) Annual Income Category Display
9. Corporate Customer Information: Business Type, Date
of Registration, Signatories, Directors/Partners, Name &
Designation.
10. Census Name: Census Code details and AADHAAR
details captured/updated through CIM50 are displayed

04 CIM11 Customer Detail All are non mandatory fields

Maintenance (i) Employment Details: Occupation, Designation,
(Guidelines 61/07) Tenure, Office address Number of years in

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 FCR MADE EASY
CUSTOMER MAINTENANCE
Auto update employment/business, Retirement Age
(ii) Previous Employment Details & Card Details,
Credit Rating etc
(iii) Spouse/Parent Details: Marriage Date/ DOB of
Spouse, spouse/parent employment details
(iv) Foreign Nationals Details: Date of Arrival in
India/Passport Details/Residential Permit
Reference/VISA Validity

05 CIM22 Customer Some data captured in CIM50 gets updated in Additional

Additional information Tab. Wherever CIM50 is updated, use
Information modifyoption.
Maintenance (1) Travel Information: Passport Details Important for
NRI Customers
(Guidelines 61/07) (2) Additional Information: Ration Card, Voters Card, DL,
Address Proof (KYC) Staff Flag, Employee Details
(3) Miscellaneous Information: Senior Citizen, Pensioner,
ECS Facility, Wedding Date, Government Agency
(4) Tax Details: Details of Sales Tax, Customs,
Excise/IT/VAT etc.
(5) Company Details: DEMAT Account,
(Guideline 03/13) Assets/Liabilities/MSME Details/Beneficial Owner/Power
(HO Cir 33/13) Of Attorney/Letter Of Authority details
(6) Group Details: SHG, Subsidiary, Associate etc
(7) Customer Details: Details of children, deceased
customer details, Other Bank a/c detail, Blood Group etc
(8) Buyer/Supplier Details

06 CIM17 Corporate Used to maintain & view Company, Business, Financial &
Customer Details Major Shareholders details of a company

07 CIM24 Borrower Group For cross linking Customer ID to a GROUP ID created by

Customer Linkage HO.
NOTE:
- Dormant Customer ID cannot be linked.
HODIT 2044 - One ID cannot be linked to more than one GROUP
BAS(ADV) 45 F - Once linked and authorized, the Customer ID cannot
132 2014 be deleted.
27.05.2014 - It can only be delinked and linked to any other
GROUP.

Addition: Select ADD mode.

Select GROUP Code from Pick List
Click on + sign: One row is enabled.

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 FCR MADE EASY
CUSTOMER MAINTENANCE
Enter Customer ID. Customer name is populated.
Date of linking is system date by default.

Delinking: Select MODIFY mode.

Select GROUP Code from Pick List
Linked Customer data is displayed.
Tick the Check Box corresponding to the Customer ID.
Date of delinking is system date.

If the customer is to be linked to the same group once

again, remove the tick from the check box.

Deleting the added Customer ID before authorization:

1. Before clicking on OK: Change Delete Flag to Y
and click on -sign.
2. After clicking OK: Use Cancel radio button
07 CIM30 Customer Maturity To change the status of minor customer to a major
processing customer on attaining majority (Customer level)
Maintenance
Minor Account Status will also change to Major for all
accounts attached to the Customer ID. Further, if any
TD is there, Taxable Customer ID will also be replaced.

08 CIM16 Customer To change/modify customer level dormancy to regular

Dormancy Status (Inoperative to operative) Customer IC/ID is required.
Maintenance (Account level by CHM21, authorization in CH021)

09 CIM13 Customer Memo To maintain customer level memo (remark) details

Maintenance Severity; High: Requires Authorization from Supervisor
even to view balance in account. ATM /NET Banking facility
also gets blocked.
Low: Pop up message to Teller/Supervisor for information
Reason for memo from drop down list
Memo Text: Alpha numeric 256 characters message that
appear on the screen.

Memo placed through CIM13 results in rejection of

Outward transactions through NEFT/RTGS under IB
(Internet Banking)/STP (Straight Through Processing).
Delete option is available to Officers and above.

10 7101 IC Number Short This enables change of Customer Category (from individual
Name Change to NRI, Staff etc.), IC, Short Name, Full Name
- Changes take effect only after EOD process
- Change in name happens at Customer level only. For

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 FCR MADE EASY
CUSTOMER MAINTENANCE
changed name to appear in Pass book/sheet or in
different transaction screens, Account Title field
under Account Details 1 in CH021 to be modified
for CASA and in TD020 for Term Deposit Account
- Change in customer Category is not possible when
the original category is NOMINEE.

11 CIM39 Customer ID If any Customer is having accounts under different

Change Customer IDs, the accounts can be brought under one
Maintenance Customer ID using this option.
Option available to Officer and above.
Auto authorization To be ensured that all ID of the same customer are
(GL 41/09) merged (Guide Lines 56/07)
Select by Customer ID which you need to replace.
- All the accounts linked to this ID are displayed.
- Double click on the account.
- Account Details TAB is opened. Search for the
specific ID which needs to be retained.

Care to be taken to ensure that the discarded IDs do

not have any Net Banking facility attached to them.

12 (Outside the purview of CBS. SIGNATURE TO BE MADE ON

Signature
THE SPECIMEN CARD PREFERRABLY IN BLACK INK.
Scanning Scanned signature to be stored in separate folder created
Guide Line 24/06) in C:/D: drive. Size of the signature should not exceed 16
(HO Cir 268/2010) KB (width 360 and height 200) and saved as
customerID.JPEG file or CustomerID.GIF file.
Scanned signature to be linked to Customer ID
13 7102 Link Customer Select the Image type Signature/Photo ID Browse
(i) Image Select OK (Linking the signature/photo at customer level)
(ii) 7103 Unlink Customer Any signature/photo wrongly linked to the customer can be
Image cancelled using this option before authorization
(iii) 7111 Modify Customer Used for substitution of image/signature already linked and
Image authorized with new image/signature. This will link new
image to customer.

iv) 7104 Authorize For supervisor to authorize the linked image of

Captured Image photo/signature one by one for 7102 and 7111

(v) 7105 Customer Image To View the signature/photo of a customer by selecting

Display ID/IC of the customer available to Teller and Supervisor.
Details of unscanned signatures are available in

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 FCR MADE EASY
CUSTOMER MAINTENANCE
BUSINESS OBJECTS REPORT 430001 (Cir 220/09)

14 1000 Customer Search Search is based on Customer IC, ID or Short Name

All the accounts linked to the ID will be displayed. By
double clicking on an account, we can get:
Balance Inquiry, Future Dated cash Deposit, Bills, Account
Profile, Statement, Hold Funds, Client Profile, Commission,
Unclear Funds etc
15 CIM18 CBR Detail OPTION ADD: Select by Customer ID.
Maintenance TAB1: Select Basel II category and Educational
(GL 04/2010, HO Qualification.
Cir 247/2010, TAB3:Enter Financial Inclusion Smart Card number for
351/2010) accounts opened under product code 108 and 119
Cir 116/2011 TAB7: Financial Inclusion Beneficiary: Select YES from
pick list if financial inclusion beneficiary.

16 CIM12 Customer Contact Option available to officers and above

Log Maintenance For recording details of contacts either for Inspection or
for Other reasons - Description 248 characters
History of visits. Report 7775 CI127 - 7778

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 FCR MADE EASY
CASA SB/CA
ACCOUNT MAINTENANCE
01 8051 CASA Account - Product name to be selected from Pick list
Opening - Account Title Short name of the customer is
defaulted here after validation. This value is
displayed in all transaction screens, pass book/sheet
etc.
Customer IC From Pick list
- Relationship From Pick list
- (1) SOW (Sole Owner)
(i) Individuals
(ii) Non Individuals: Company/Banks
Partnership Firms
Proprietorship Firms
Registered/Unregistered Firms
Trusts/HUF
(iii) Minors Account
- (2) Authorized Signatory In case of Non individuals
except trusts
- (3) Guardian In case of Minor
- (4) Trustee In case of Trusts

JOINT ACCOUNTS
- (5) JAF (Joint And First) First Member of the joint
account when operating condition is jointly
- (6) JAO (Joint And Other) Other Members of the
joint account (maximum 3) operating jointly
- (7) JOF (Joint Or First) - First Member of the joint
account when operating condition is Severally (E or S)
- (8) JOO (Joint Or Other) - Other Members of the
joint account (maximum 3) operating severally
After validation, Customer ID, Short Name data will be
populated.
- Officer ID From Pick list
- Tax Code 1 Display.
- Tax Code 2 Display.
- THRESHOLD LIMIT: Appropriate limit to be entered
- Interest Waiver - If checked at the time of opening,
CANNOT be modified later
- Restricted Account DO NOT USE THE FIELD.

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 FCR MADE EASY
CASA SB/CA
MINOR ACCOUNT STATUS
(1) Minor with Restrictions - Minor himself Individually
(Student Account > 10 years) Cir 424/2010.
(2) Minor without Restrictions - Minor represented by
Guardian
(3) Major - If first customer is major, Company, Firm

Bulk account opening facility is available for CASA

Accounts of individuals through GEFU facility.

02 CI142 Customer To Add/Delete Customer to an Account. 8051 permits

Account maximum THREE customers. FOURTH by this option only.
Relationship Permits addition of name to any extent but prevailing
Maintenance limitation of FOUR applies.

Can be used for converting Single account to Joint and vice

versa.
DELETION OF FIRST NAMED DEPOSITOR
(HO Cir 112/14)
Permissible only in the case of accounts with operating
condition Either or Survivor where the first depositor is
deceased.

In CIM09, the first named customer has to be marked as

Deceased in Individual Customer Information TAB.
After deletion of the first customer ID, appropriate
Relationship should be maintained.

03 CIM28 Account To maintain default Instruction and also additional

Operating instructions. This is displayed with (ALT+S) hot key along
Instruction with Signature/Image. Mandatory for all CASA Accounts.
Maintenance 7775-BA115-7778 gives report on accounts without operating
instructions.

04 CH021 Account Master No addition by this option.

Maintenance TWO Tabs in Modification screen
(a) Account Details 1:
Account Description (not mandatory) any remarks or special
observation to be noted here.
Account Title In the case of joint accounts, names can be
entered here separated by the word AND or letter N. This
value is displayed in all transaction screens, pass
book/sheet etc.

Minor Account Status : To change status on attaining majority

If CIM30 Option is run, it will change the status to Major

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 FCR MADE EASY
CASA SB/CA
OTS Permitted Account: Display field
OTS Permitted Date: Display field

Above two fields are updated only if the account is permitted

under OTS and details are captured in BAM54.
Mail Address Control for sending communication either to
Customer level address or Account level address maintained
through CHM36
Statement Copies
Threshold Limit:
Reviewed Threshold Limit of the account on: System date
Reason for modification of Threshold Limit:
Risk Category of the Account: Display field
Drawdown option for RD account
Appropriation Parameters:
HO Cir
Appropriation Control Flag(Non performing):
05/2013
Appropriation Sequence(Non performing):
Appropriation Control Flag(Performing)
Appropriation Sequence(Performing):

(b) Account Details 2:

(i) Account Officer ID
(ii) Account Flags
Restricted DO NOT USE THIS FIELD
Update Minimum Balance for changing if checked, BALANCE
INFORMATION TAB is activated. Change the minimum
balance field.
Cheque Book facility if unchecked, cheque book cannot be
issued to the account
Employee, in case of staff account
Corporate for Replicating the account under FCC
(iii) External Banking Facility:
ATM/KIOSK for ATM/Debit Card
Point Of Sale to use card at Member Establishments
Tele Banking Tele banking/Interactive Voice Response
System
Internet for Net Banking Facility
ON INQUIRY
1. Account Detail 1 tab is available
2. Staff detail will be available under 'account attributes'
3. All flags will be seen under ACCOUNT FLAG TAB.

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 FCR MADE EASY
CASA SB/CA
05 CMS01 CARD To link Debit Card to a CASA account
Maintenance - Select Customer ID
- Select Card Product : STARTER KIT
- Enter 16 digit Card number
- Accounts linked to the Customer Id are displayed.
Maximum of 4 eligible accounts can be linked.
- Default & Link should be 'Y' for one account only for
POS transactions, balance is checked against this
account only
- Other accounts, default will be 'N' and link 'Y'

06 CHM36 Account To maintain ACCOUNT level address for CASA. Other than
Address the address maintained in 8053/CIM09. Also able to capture
Maintenance number of copies of statement.

07 BA437 Account Memo Over and above the memo/remarks maintained at customer
Maintenance level through CIM13
Memo placed through BA437 results in rejection of
Outward transactions through NEFT/RTGS under IB
(Internet Banking)/STP (Straight Through Processing).

08 SCM03 SC Package To waive account level SC for an account under 'Modify'

changes at Waiver Flag: Not to charge particular SC
Account Waiver Uncharged: Waive SC which is under hold.
Caution: Do not tick the box against 'Account level SC Waiver
Flag' under Package Details, as this will waive all service
charges attached to an account.

09 CHM21 Account Status Changing status due to:

Maintenance Blocking of account, Disallowing Debit/Credit
Authorization Reactivating Dormant Account (Inoperative to operative)
in CH021 Death, Insolvency etc

HOLD FUNDS
10 1055 Hold Funds Enables earmarking of funds in the account for Court
Request Order/Bank lien/Inter branch withdrawal/ lost passbook
Deceased/others (once maintained, earmarked amount is NOT
AVAILABLE for withdrawal). Only Addition is possible
through this option.

11 CHM33 Hold Funds Used to modify/delete (revocation)/inquiry of hold funds

Maintenance information made through 1055.

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 FCR MADE EASY
CASA SB/CA
STANDING INSTRUCTION/SWEEP IN/SWEEP OUT/TOD
12 CHM31 Standing To record standing instruction given by the customer for
Instruction specified amount. Gets executed at BOD for the specified
Maintenance amount.
Account Type: CASA/GL
GENERALLY this option should not be used for creating
standing instruction for RD and LOAN account
Type of instruction for which SI can be set up:
1. Internal Flexcube Retail Account for RD, CH021
2. Internal Flexcube Loan Account Better use LNM31
3. External Account SI: Not to be used
4. Internal GL Account:
5. Internal TD Account: Not to be used
6. New TD Account: Not to be used
7. PO Issue:} Please tick on Automatic PO Issue
8. DD Issue:}
9. IBA
Service Charge Code 10105, if applicable
SI Failed Not to be selected

DD/PO issued under SI will be generated at Day Begin

Process and can be verified through ST074. Printing through
FP 5525. (GL27/09).

Credit will be available in GL 200001004 (HOCBSFCRTRANS

INTERBRANCH) of the issue branch in case of CBS DD and
this can be verified through GLM04 option.

NOTE: If any SI is registered for an account, the same

should be deleted before closing an account.

13 CHM32 Sweep Out Funds over a specified limit can be transferred to:
Maintenance CASA or TD New TD or New Deposit in existing TD
account(Canflexi, SB GOLD, Can Premium only)
CBS Handout - Executed during EOD
No. 17 - From Domestic operative account to operative
accounts (except for NRE, NRO, RFC, EEFC Cansaral,
Canchamp and CGA) of the same customer with same
name. Account status should be Regular.
- If TD, Frequency Daily. Deposit in multiples of
`.1000.00 opened automatically at EOD depending on
the product & term specified, minimum and maximum
amount specified.

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 FCR MADE EASY
CASA SB/CA
- Next Date should be current date.
Mandatory option for Canflexi deposit (product code 105)
- For the first time, select New TD. Once the account is
opened, modify the record to New Deposit in existing
TD.
- Once the deposit is opened, payout instructions have to
be put through TD039.

14 CHM39 Sweep In Teller can Add.

Maintenance At top: Beneficiary Account - CASA Regular
Bottom: Providers Account CASA or TD
CBS Handout More than one operative account of the same customer can be
No. 17 linked. In case of shortage of funds, system automatically
transfers funds form providers account if funds are available.

Guideline 47/10 In TD accounts, in multiple of units of redemption (part

For Recursive withdrawal) as applicable to the product
Sweep In - Sweep in is executed for transactions under Options
facility 1001, 1013, 1006, and inward clearing option 5521.
DOES NOT WORK UNDER GLM01 OPTION.
- System will sweep in the shortfall + Minimum balance
required at EOD.
- Amount available for Sweep in can be checked through
CH021 Balance Tab Amount available for Sweep in.

15 CHM40 Sweep In If more than one instruction is given, it allows prioritizing the
Sweep Out sequence.
Priority
Maintenance

16 CHM12 TOD Limit For permitting TOD in CASA

Master - 1. Before granting TOD under SB/CA, limit to
Maintenance be created where due date can be specified for
required number of days
- 2. In case of overdrawing in account due to passing of
inward clearing cheques in ST034 or debit in GLM01
(forced Debit), system creates TOD limit
automatically in CHM12 for due date 15 days. (As
parameterized in CASA product). Penal Interest will
be calculated from the next day of the due date.
- 3. Due date of 15 days permitted automatically under
forced debit cannot be modified once the transaction
is put through. (Guideline no 39/07)

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 FCR MADE EASY
CASA SB/CA
- 4. If the TOD is permitted for 15 days, even if
regularized, limit will be in force and available
balance will be increased to the extent of TOD and
balance alert via SMS/email will reflect the same

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 FCR MADE EASY
CASA - RECURRING DEPOSIT
ACCOUNT OPENING
01 8051 CASA Account - Select the Product Code ranging from 181 185
Opening - Canara Dhanvarsha General 186
- Canara Dhanvarsha Staff 187
- Account Title: Full name of the customer defaulted
from Customer Master
- Customer ID from Pick List
- Relationship: Select from Pick list
- Officer ID: From Pick list
- Specify Deposit Term (in months) and Installment
Amount and variance if any
- Threshold limit

STANDING INSTRUCTION/INSTALLMENT PAYMENT

02 CH021 Account Modify mode: Account Detail 1:
Master Under RD Draw Down option CASA account number to be
Maintenance entered. Name of the account holder to be ascertained by
customer inquiry (Alt + C).
System will debit CASA account on due date and credit RD
account automatically at day end if funds are available.

03 CHM31 Standing Can be maintained through this option also for RD

Instruction installments.
Maintenance When SI is registered for a RD account, do not accept
installments directly to RD since excess remittances cannot
be reversed once authorized.

04 1421 RD installment For direct payment of installments by Cash/transfer from

Payment CASA/GL
Inquiry Combined facility for inquiry and payment. Based on the mode
selected, system will display the screen. Can be used for
Inquiring Status of installments also

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 FCR MADE EASY
CASA - CANFLEXI DEPOSIT
ACCOUNT OPENING (No new accounts to be opened)
01 8051 CASA Account - Select the Product Code 105
Opening - Open an account like any other SB account
- Minimum balance of Rs.10000.00 (parameterized)

SWEEP OUT
02 CHM32 Sweep Out - Mandatory option for Canflexi deposit
Maintenance - Excess funds over a threshold limit can be transferred
to: TD New TD or New Deposit in existing TD
account
- Executed during EOD
- Frequency Daily.
- Start Date, End Date & Next Date to be specified
- Start Date & Next Date should be Current Date
- Minimum balance to be retained is `.15000 (10000+
5000. buffer)
- Sweep out minimum amount `.1000 maximum amount as
per partys request.
- Deposit in multiples of `.1000 opened automatically at
EOD depending on the product & term specified
- Such TD or operative account will be automatic sweep-
in provider for Canflexi or CASA account in case of
shortage of funds due to debits
TD PAYOUT INSTRUCTIONS
03 TD039 TD Multiple To be used to maintain payout instructions of TD opened
Payout through sweep-out option
Instructions - Principal & interest credit to CASA or Principal can be
reinvested in new or existing Account.

Instruction can be given one day prior to the date of maturity

of the deposit.
For TD created, Redemption/Renewal option1358
For TD created, enquiry options are 7020, TD020, TD021

(Guide lines 37/2007)

CANFLEXI Scheme is withdrawn with effect from

10/10/2013 as per circular 525/2013

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 FCR MADE EASY
CASA - NOMINATION

01 BA438 Nominee To capture Nominee details, guardian details if nominee is a

Master minor and account linkage.
Maintenance
CAPTURING NOMINEE DETAILS

Nominee ADD Mode:

Register Nominee Information TAB:
BA301 If the intended Nominee is an existing Customer, Search by
Customer ID.
Details are populated under Nominee Details. Select a
relationship. If the nominee is a minor, select the Minor
Flag, enter the details under Guardian Details.

Nominee Linkage TAB:

Enter 13 digits CASA Account Number. Verify the name of
the account customer before clicking on OK. Nominee ID
generated by the system should be noted on the document.

Record has to be authorized by the Supervisor.

If the intended Nominee is NOT an existing Customer,

enter all the details in the Nominee Details TAB and
Guardian Details TAB, as the case may be, and then proceed
to link the Customer account under Nominee Linkage TAB.

Nominee Search TAB: For Inquiry based on

1. Nominee Name
2. Nominee Reference Number
3. Account Customer ID
4. CASA Account Number enter full 13 digits
5. TD Account Number enter full 13 digits
Details will be available in Nominee Details, Guardian Details
and Nominee Linkage TABS

In the case of Account Customer ID based search, go to

Nominee Linkage TAB; double click on the displayed account
number to know the Nominee Details/Guardian Details.

FOR MODIFICATION OF NOMINATION, DELETE THE

Reports
BA302 Success EXISTING ONE AND ADD THE NEW NOMINEE.
BA303 GEFU facility is available for bulk upload of nomination
Rejected through SSO CHIPS Package, Account Process TAB.

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 FCR MADE EASY
CASA ODCC
ACCOUNT OPENING
01 8051 CASA Opening To open an OD/CC account:
- Select appropriate product code (251-285) from drop
down menu
- 1st- Firm/Individual ID - Customer relation: SOW
- 2nd -Proprietor/Partner/Director ID Customer
relation: Authorized Signatory
- Joint borrower - Customer relation: JAF & JAO
- Threshold limit
LIMIT CREATION
02 CHM07 OD Limit Each OD account can have maximum of 99 limits
master - Individual limit to be fixed
maintenance - Select Interest Index Code
30001 when ROI is linked to BASE RATE.(Cir
248/10)
If ROI is different than BR, the difference should be
maintained through account variance using CHM48.
- If ROI is not linked to BASE RATE, correct
Interest Index Code above 20001 should be
selected in CHM07 itself (e.g. Staff Accounts)
- Start date & end date to be entered
- Secured, Internal FD to be entered
- Reasons to be specified
- Purpose of Advance: from dropdown list.
- THIS APPLIES TO ADHOC LIMITS ALSO.
DIT 603 F132
dt 23.12.2010 - Ad hoc Limit Check this box if Ad hoc limit is
sanctioned.
- Closed Limit Check this box in case limit is expired
and not considered for renewal.
- Under both circumstances, system will not include
the limits for review of expired limits.

- For ODCC against shares, separate limits are to be

created for each Company (Guideline 51/08).

IF AGAINST OUR OWN DEPOSITS:

- Both Secured & Internal FD to be selected

- Then Select FD Security Details Tab
- Security type 133-TD security - INR
- Deposit Account number, description, deposit number,

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 FCR MADE EASY
CASA ODCC
value to be entered.
- Click on Propagate Int change & Linkage
Deposit Interest only is propagated, 2% has to be
given in CHM48 under variance
- Lendable margin can be changed
SECURITY CREATION AND LINKING
03 BAM74 Security To create security details
Header - Security ID: 13 digit a/c number + 001(serial no)
Maintenance - Security Code: Select appropriate code.
- Also to update DP use modify option

DIT 603 F132 Where stock statement detail has to be entered, in

dt 23.12.2010 VALUATION DATA Tab
Last Value: Stock value as per the current Stock Statement
Valuation date/Stock stmt due date: Current Stock
Statement date.
Next Stock Stmt Due Date: Enter the future date on which
the periodic Stock Statement is due.
If security is shares, to be created company-wise. Security
code Shares 15.
Select the share from pick list under Financial Securities Tab
(Guideline 51/08).

04 CHM06 OD Security - To link the security created under BAM74

maintenance Add Security
- Select security code
- Security ID, lendable value, security value can be
modified
- Description mandatory
(Guideline If security is shares, select security code Shares 15.
51/08) Link Box: Check this box.
Update Drawing Power: Check this box.
Update Security Value flag: Y.
System default margin is displayed. Can be changed according
to the sanction.
Before end of every month, DIT will update value of shares.
On the first of the succeeding month, branch has to run
BAM46 to propagate the security value and then check
through CHM06 to see if the value of security is updated

05 BAM46 Security - For updating Drawing Power updates for all branches
Propagation

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 FCR MADE EASY
CASA ODCC
OTHER OPTIONS
06 BAM83 MIS cross MIS values are defaulted by the system.
reference Based on the inputs given while opening of the account in the
maintenance screens CHM07, CIM22 and BA020, system classifies the
accounts as Priority / Non priority during EOD. Consequently,
the flowing fields in BAM83 are blocked for further
modification.

07 CHM48 Account level Can be used to maintain variance in:

variance - OD interest
maintenance - TOD
- Overline
- Credit interest
- Slab ROI
- Change in ROI if maintained at account level
- No value date/retrospective date
- Updates on date of change

By default OD Interest button is selected. Continue if

account level variance is to be given.

TOD/Overline/CR Interest button to be used for charging

account level debit variance of SB/CA TOD and account
level credit variance for SB/CA. (Guideline 09/09)

08 BAM57 Interest Excess/short interest can be adjusted

Adjustment
Transactions

INQUIRY OPTIONS
10 BA434 Account to - Not applicable against our own deposits
Security - Security created under BAM74/LNM34 is available
Inquiry

11 BA433 Security to - Single security attached to how many OD/CC accounts

Account Inquiry

12 CH066 Limit to - Limit wise Details

Security - Limit, DP & Security details
Inquiry

13 BA020 Account Loan/Sanction Details:

Additional - Sanction Details
Information - Godown visit date
Master General Details

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 FCR MADE EASY
CASA ODCC
Maintenance - Date of AOD/AOS last field and date of loan
papers
Stock Details
- Date of Audit
- Date of MTR etc
LPD details under CDCRM Tab

In respect of LPD accounts, ensure selecting of appropriate

status in the Status of LPD field so that wherever AOD is
required, the details are not left out in PRR 12 (Guideline
13/09). This is important to generate accurate PRR 33
return.
In the case of account classified as LPD, full details have
to be captured in BAM59.
14 BAM84 Financial Details of listed shares/securities face/market value
Security
maintenance

15 CHM08 CBR Code DICGCS/ECGC/CGFSI etc invoked and kept in SL to be

Maintenance captured under Details 2 TAB.

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 FCR MADE EASY
CASA INBUILT OVER DRAFT
ACCOUNT OPENING
01 CIM09 Customer - Under Customer MIS Info TAB weaker section class
Information should be invariably updated.
Master
Maintenance

02 8051 CASA Opening - CASA account should be opened under product code
108 or 119 only
03 CH021 Account Master OD Limit Int Rate TAB:
Maintenance In-Built OD (IOD) Facility:
- In-Built OD (Yes/No)
- IOD Limit Rate: Base Rate
- IOD Activation Date:
- Activate IOD Limit:
- Maximum IOD Limit:

Activation will not be permitted if the customer has any

active loans
LIMIT CREATION
02 CHM07 OD Limit - System creates a limit for ` 500.00 for a period of 12
master months on activation of IOD limit in CH021.
maintenance - No modification is possible in the values of any field
during the first 12 months.
- Flag IOD Limit is automatically ticked.

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 FCR MADE EASY
CASA CHEQUE MAINTENANCE
CHEQUE MAINTENANCE
01 CHM37 Cheque Book Issue Cheque book to an account.
Maintenance Under ADD mode:
Cheque Book type: Non personalized
Personalized (pre printed)
Appropriate Stock Code to be selected SB/CA/OD start
number /end number/quantity populates automatically
depending on the inventory details available with the user.
Cheque book status under Cheque book details to be changed
to Delivered.
Deliver the cheque book to the customer only after the
input is authorized by the supervisor.
System displays boxes to the extent of cheque leaves issued
with a maximum of 5 rows of 20 boxes each, each box
represents a Cheque leaf with status P for Paid, U for unpaid
S for Stopped and D for destroyed.
Same option can be used for inquiry.
At the time of closure of account, unused cheques should be
marked as 'destroyed'

02 CHM43 Cheque Book Option meant for use by CPC

Issue Upload Prerequisites: Branch/CPC has to enter the request from
Customers for personalized cheques through Cheque Indent
(Guideline Process System (CHIP) available in Single Sign On.
25/2011) Stationery Section, HO will place indent for personalized
cheques for the bank as a whole. Cheque books will be
dispatched by the printer directly to account holders and the
details will be sent to Stationery Section through GEFU.
After verification, it is forwarded to CPC for uploading in the
CBS. Output file generated by CPC
(dpcdCHQmmddyyyyslno.txt) from this GEFU file is
forwarded to TM Section for placing it RJSIN directory.
Upon receipt of confirmation from TM Section, Teller has to
opt for CHM43.
ADD:
File Name: Enter file name.
Batch Number: Populated by the system.
Click on OK.
Upon authorization by supervisor, system will display Records
Processed/Rejected.
Reports CH352 (Successful) and CH353 (Rejected) are
available through 7775/7778.

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 FCR MADE EASY
CASA CHEQUE MAINTENANCE
03 CHM35 Stop Cheque Stop Cheque Instruction can be marked against a single
Instruction Cheque or a series of cheques. Stop Cheque instruction will
take effect only after the record is authorized.
Revocation is by Delete option.

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 FCR MADE EASY
CASA TRANSACTIONS

CASA TRANSACTIONS
01 1401 Cash Deposit Crediting of Cash other than to RD accounts.
(i) System Generated Counterfoils are introduced in identified
(GL01/2011) branches in select cities at present
BANGALORE /CHENNAI/ DELHI /HYDERABAD/ MUMBAI

Cash deposit limit is included in product masters. If the limit

exceeds, system will prompt the message Cash receipt amount
exceeds INR50000/- obtain PAN/TAN details/Form 60/61

(Guideline Cash handling charges are now system enabled. However,

31/2011) multiple credits aggregating to over ` 1.00 lakh is tracked in
BO Report 124921.
(ii) 1001 Cash Cash withdrawal using Withdrawal Order Form
Withdrawal by
WOF
(iii) 1013 CASA Cheque Cash Withdrawal through Cheque. Cheque number and date in
Withdrawal next screen
For existing customers if details are not captured through CIM50, system will throw message
KYC Details Not Obtained when the above three options are used.
(iv) 1006 Funds Transfer Funds transfer from CASA to CASA (except RD) within CBS
Request branches
(v) 1008 Miscellaneous For debiting CASA and crediting GL
Customer Debit
For options (ii) to (iv), system will throw exception/messages such as Insufficient Balance,
Cheque Stopped for payment, Cheque already paid at OK button at the Teller level before
authorization/Submission if such conditions exist for the account (GL 41/09).
(vi) 1408 Miscellaneous For debiting GL and crediting CASA
Customer Credit
(vii) 1411 Future Dated Late Cash transaction for next date
Cash Deposit

(viii) GLM01 Voucher Entry Batch Processing:

Permits single/multiple CASA/GL Debit and single/multiple
CASA/GL credit.
Type of Debit
- Normal: when funds are available
- Forced: when TOD is permitted
Supervisor to ensure at the time of authorization
Customer Account Hold: Optional, but if checked, will keep
the transaction amount in hold at data entry level itself

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 FCR MADE EASY
CASA PASS BOOK/PASS SHEET

PASS BOOK PRINTING SB/CA/ODCC

01 7030 Passbook To issue NEW passbook to SB account holders & printing
Issue/Lost cover page of passbook.
Maintenance If Nominees name is to be printed, enter Y against Nominee.
If duplicate PB is sought, opt for Lost maintenance

02 7010 Passbook For updating the passbook printed under 7030.

Update REPRINT: in two cases only
- Duplicate passbook printing from old date
- Quality of print not good
(Default line No: (1) not to be changed)
Issue of pass book to Current Account holders through system is now extended to all branches
(GL 02/2011)
PASS BOOK PRINTING RD (Cir 302/2013)
03 7061 Passbook To issue NEW passbook to RD account holders & printing
Issue/Lost cover page of passbook.
Maintenance If Nominees name is to be printed, enter Y against Nominee.
If duplicate PB is sought, opt for Lost maintenance
04 7011 Passbook For updating the passbook printed under 7061
Update REPRINT: in two cases only
- Duplicate passbook printing from old date
- Quality of print not good
(Default line No: (1) not to be changed)
PASS SHEET GENERATION
05 CH220 Pass Sheet 7775-CH220-7778
printing

06 CHM34 Special Regular generation of pass sheets can be done by updating

Frequency for CHM34 under ADD mode. Select frequency and tick By Hand
Statement option under Statement Dispatch Mode. Pass sheets will be
available after EOD through 7775 - Batch Reports - MS240
(HO Cir for the branch. Print file is also available through
14/2011 http://cbsreports/MisRpts/ Spl_Freq_Stmts.
288/2011)
If statements are required through Email, ensure the
presence of email id in CIM09 Mailing Address Tab and tick
all boxes under Statement Dispatch Mode.

Statements are generated in PDF format and are password

protected. Customer ID is the Password.

COMPILED BY COMPUTER LEARNING CENTRE, STAFF TRAINING COLLEGE, BANGALORE

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 FCR MADE EASY
CASA INQUIRY

INQUIRY OPTIONS
01 7002 Balance Inquiry To view Available, Unclear, Earmarked, Passbook, Minimum
Balance Required, Hold Balance, Total TOD

02 CH031 Statement Compromise details and LPD transfer date is also

Inquiry displayed.
To inquire Statement for:
Current- beginning of current calendar month till end
Prior beginning of previous calendar month till end
Transaction To show transaction for any 30 days (between
Start Date and End Date)
Double clicking on the transaction will display the details of
that transaction

03 CHM41 Inward Cheque For tracking status of a Cheque issued to an account. By

Status Inquiry giving Cheque number, Account to which it is issued can be
found out.

04 BAM24 Account Status Shows the history of changes made to account status
Audit Trail
Inquiry

05 SCM05 SC History for Shows the details of SC attached to the account and also
Account amount of SC due
Inquiry

06 7004 Customer Displays Name, Address, Relation, Customer IC and Customer

Name & ID for an account.
Address
Inquiry

07 7106 Account Image To view the signature given the account number
Display

08 CH021 Account Inquiry Mode: RD/Partner Account Information Tab:

Master Installment details, Draw down details, other details like
maintenance interest amount, ROI, amount remaining to be paid etc

09 7053 Date Georgian Date to National SAKA and Vice Versa:

Conversion To help payment of cheques bearing National SAKA date as
Enquiry per NI Act.

COMPILED BY COMPUTER LEARNING CENTRE, STAFF TRAINING COLLEGE, BANGALORE

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 FCR MADE EASY
CASA ECS MANDATE MANAGEMENT

GLOBAL OPTIONS
01 STM59 Settlement All ECS related GL codes are maintained through this option
Bank
Parameters

02 CHM53 ECS Central Internal reject codes are cross referenced to RBI reject
Bank Reject codes
Code Xref
BRANCH OPTIONS
03 CHM51 ECS Company All fields in the screen are mandatory.
Maintenance Company code (allotted by RBI for ECS), Name, Contact
Number, Full Address has to be entered.

04 CHM56 ECS Mandate For linking the customer account to ECS Company
Maintenance

05 CHM54 Scanning of To pass a rejected transaction or reject a passed transaction

ECS Records before Cut Off is run by Main Branch/Accounts Section
MAIN BRANCH/ACCOUNTS SECTION OPTIONS
06 BA450 Uploading ECS file received from RBI/MICR Center

07 CHM55 ECS Cut Off is required to be maintained for each type of ECS.
Centralized Reports can be generated only after executing Cut Off.
Cut Off Once Cut Off is executed, records will not be available to the
Marking branches in CHM54.

In case of need, can be modified.

REPORTS
08 7775- Native BA110: Successful records
7778 Reports BA111: Rejected records
CH367: ECS
Maintenance/Cancellation/Modification/Addition/Deletion
CH387: ECS rejected mandates through GEFU upload
CH377: ECS records passed with TOD
CH473: ASCII report for ECS reject records for DR/CR
CH474: ASCII report for NECS reject records for DR/CR
CH475: ASCII report for RECS reject records for DR/CR
CH372: ECS revocation Advise to the Company
Cir 152/2013

COMPILED BY COMPUTER LEARNING CENTRE, STAFF TRAINING COLLEGE, BANGALORE

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 FCR MADE EASY
CASA CLOSURE/TRANSFER
ACCOUNT CLOSURE/TRANSFER
01 CH001 Account Prerequisites: Account should be in credit balance
Closing Balance Unused Cheque leaves have to be destroyed using CHM37.
Information If any SI is registered for an account, the same should be
deleted before closing an account.
Debit/Credit Card, if any, should be cancelled.
Once opted and authorized, cannot be reversed.

(Cir 362/2011) In the case of overdue RD accounts (Product Codes 181 &
182), system will automatically calculate interest for overdue
period at prevailing SB rate and pay while closing such
accounts through this option. Such overdue interest amount
is shown under Credit Interest Amount field in Balance Info
tab.

CLOSURE OF ODCC ACCOUNTS

Prerequisites
- Account should be in credit balance
- Security if any linked, should be removed use CHM07
under modify option
- CHM06 for term deposits use delete option
- De-link from limit in FCC
Unused cheque leaves to be destroyed using CHM37
Delete Option
SI, if any, should be deleted
Debit/Credit Card should be cancelled.
Once opted and authorized, cannot be reversed.
1320 Close out For payment of balance by selecting appropriate mode like
Balance Inquiry cash, funds transfer GL etc.

02 BA995 Single Account System allows transfer of CASA accounts from one CBS
Transfer branch to another CBS branch. Account number remains the
same. Only the HOME BRANCH will be changed. System will
pass relevant GL entries. No BAR/IBA required.

Branch can verify through report 7775-BA024-7778.

Sending of application to the branch has to be done

procedurally. CHEQUES ISSUED AT THE TRANSFEROR
BRANCH HAVE TO BE DESTROYED. Fresh cheques to be
issued at transferee branch.

COMPILED BY COMPUTER LEARNING CENTRE, STAFF TRAINING COLLEGE, BANGALORE

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 FCR MADE EASY
CASA LPD MARKING/WRITE OFF
MARKING NPA UNDER OD/OCC/SBTOD/CATOD AS LPD
- Account should have been classified as NPA and RECALLED
- Suspended Interest need not be reversed.
- If OTS is permitted, update BAM54.
- Update LPD details in BAM59 and BA020 without fail
01 AC002 Account If the account is classified as LPD/suit filed account, tick on
Classification Recall Account under CRR Movement TAB in which case, the
Inquiry entire liability will be shown as overdue.

02 CH021 Account Account Details 1 TAB Appropriation Parameters:

Master Appropriation Control Flag(Non performing): Priority by
Maintenance sequence
Appropriation Sequence(Non performing): CSLPOI
(HO Cir Appropriation Control Flag(Performing)
5/2013) Appropriation Sequence(Performing): SLPOIC

03 CHM48 Account level When the limit expires, System charges applicable TOD rate.
variance Maintain variance to arrive at the applicable interest rate.
maintenance
Select TOD/Overline/Credit interest
Click on the + sign
In the Summary Line:
Start Date: Current Date
End Date: 31/12/2099
TOD Interest Variance: Required variance to prevailing clean
rate.

All other fields should be left blank

WRITE OFF
04 AC004 Account write IBA received for write off should be credited to GL
off 420083140.

Opt for Full Write Off and if under OTS, opt for OTS
Allowed also.

Ensure that the amount displayed tallies with that of the IBA.
RECOVERY UNDER WRITTEN OFF ACCOUNTS
05 GLM01 Voucher Entry Wherever there is recovery in written off account, credit the
recovered amount first to PARKING GL 209272431. Then
reverse the entry to Commission GL 320020125 COMM
Recovery in Written Off Account through GLM01
Enter 13 digit loan account number under Voucher Remarks
field. System will validate the account number and store the
recovery for that account.

COMPILED BY COMPUTER LEARNING CENTRE, STAFF TRAINING COLLEGE, BANGALORE

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 FCR MADE EASY
TIME DEPOSIT
ACCOUNT OPENING
01 8054 TD Account For new customer/product
Opening - For joint account, all should have a customer ID in
(In Legacy system their individual names
there was no - Maximum three ID can be accommodated in 8054
concept of opening - Fourth to be added subsequently through CI142
deposit for an - Correct product should be selected from pick list
account) - Account Title customer name as in 8053 will be
populated
- Account Open Date: By default process date. To
be modified only in case of value dated deposit -
Source of funds GL credit only.
- Tax Code 1: Display
- Tax Code 2: Display

Taxable Customer ID: By default, first Account holder's

ID is populated. In case of minor's account, this field is to
be modified by entering Customer ID of parent/guardian by
selecting from pick list.
DEPOSIT OPENING
02 1356 TD Payin To be used for:
(a) Payin from multiple sources for Domestic Deposit
(b) Foreign Currency Deposits (FCNR, RFC)
- Clicking on (+) for adding payment details
- Fields displayed in BLUE are possible to be modified
- Payin mode and amount are to be entered
- Click on the 'Net Payin Amount' field (last) to enter
the details of the debit CASA/GL
- Save by clicking on 'Payin' and enter the period of
deposit (in months and days).
- In the case of deposits accepted in days (555, 1000
and 1200) period should be entered in days only.
- In view of frequent revision in ROI, ensure correct
interest rate is displayed (Guideline 21/2009)
- Deposit variance: in case of
- ex-employees senior citizen eligible for
preferential ROI where parallel products are not
designed
- Single bulk deposit preferential ROI permitted
by Dev Sec, P & D Wing, HO
- Validate. Interest rate and maturity date are
populated.

COMPILED BY COMPUTER LEARNING CENTRE, STAFF TRAINING COLLEGE, BANGALORE

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 FCR MADE EASY
TIME DEPOSIT
Save. Deposit number 1 will be created on authorization.
System will throw exception/messages such as Insufficient
Balance, Cheque Stopped for payment, Cheque already paid
at OK button at the Teller level before
authorization/Submission if such conditions exist for the
account (GL 41/09).
03 In lieu of 1356 the following Payin options are available for domestic deposit only (GL 41/07)
a 1402 TD Payin by cash Accepting deposit in cash

b 1007 TD Payin by Accepting deposit by transfer of funds from CASA.

transfer from System will throw exception/messages such as Insufficient
CASA Balance, Cheque Stopped for payment, Cheque already paid
at OK button at the Teller level before
authorization/Submission if such conditions exist for the
account (GL 41/09).

c 1021 TD Payin by Accepting deposit by transfer of funds from GL

transfer from GL

04 CI142 Customer Account To be used for

Relationship - Conversion of individual accounts to joint accounts and
Maintenance vice-versa
- Addition/Deletion of depositors name subsequent to
opening of the account, also for 4th customer at the
time of opening

05 CIM28 Account Operating To maintain default Instruction and also additional

Instruction instructions. This is displayed with (ALT+S) hot key along
Maintenance with Signature/Image. Default/Additional instructions
(GL 02/10) maintained here will be printed on the Deposit Receipt

06 BA438 Nominee Master To capture Nominee details, guardian details if nominee is a

Maintenance minor and account linkage.

CAPTURING NOMINEE DETAILS

Nominee Register ADD Mode:

BA301 Nominee Information TAB:
If the intended Nominee is an existing Customer, Search by
Customer ID.
Details are populated under Nominee Details. Select a
relationship. If the nominee is a minor, select the Minor
Flag, enter the details under Guardian Details.

COMPILED BY COMPUTER LEARNING CENTRE, STAFF TRAINING COLLEGE, BANGALORE

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 FCR MADE EASY
TIME DEPOSIT
Nominee Linkage TAB:
Enter 13 digits TD Account Number and Deposit Number.
Verify the name of the account customer before clicking on
OK. Nominee ID generated by the system should be noted
on the document.

On auto renewal, the existing Nomination is carried over

to the new deposit created.

Record has to be authorized by the Supervisor.

FOR MODIFICATION OF NOMINATION, DELETE THE

EXISTING ONE AND ADD THE NEW NOMINEE.

If the intended Nominee is NOT an existing Customer,

enter all the details in the Nominee Details TAB and
Guardian Details TAB, as the case may be, and then
proceed to link the Customer account under Nominee
Linkage TAB.

Nominee Search TAB: For Inquiry based on

1 Nominee Name
2 Nominee Reference Number
3 Account Customer ID
4 CASA Account Number enter full 13 digits
5 TD Account Number enter full 13 digits
Details will be available in Nominee Details, Guardian
Details and Nominee Linkage TABS

In the case of Account Customer ID based search, go to

Nominee Linkage TAB; double click on the displayed account
Reports number to know the Nominee Details/Guardian Details.
BA302 Success GEFU facility is available for bulk upload of nomination
BA303 Rejected through SSO CHIPS Package, Account Process TAB.

07 TD046 TD Certificate For both Original and Duplicate (only once)

Advice - Inventory should be available
(Cir 110/2012) - Proper setting done at the PC & Printer level
- Enter Account number
- Deposit details are displayed
- Double click on 'selected' flag
- Certificate Details Tab is highlighted
- Click on (+) Denomination details tab is opened
- Nominee Details, if available are printed

COMPILED BY COMPUTER LEARNING CENTRE, STAFF TRAINING COLLEGE, BANGALORE

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 FCR MADE EASY
TIME DEPOSIT
automatically
- Click on Denomination details tab
- Click on 'Validate' to get the inventory /nominee
details.
- Click on 'Print'.
- After successful printing, click on OK button at
the bottom. Only then, system updates the
inventory number in the deposit record.

FOR DUPLICATE RECEIPT PRINTING:

- Tick on Show Ptd Certificate box, enter account
number.
- Certificate details are displayed.
- Double click on the deposit for which duplicate is
required.
- Details of the deposit with original inventory number
are displayed.
- Click on the + sign.
- One more line with new inventory number is displayed.
- Validate & print. Upon successful printing, click on
the OK button in the status line at the bottom.
- ONLY ONE DUPLICATE PRINTING IS POSSIBLE.

08 TD039 TD Multiple Payout To be used for payment of

Instructions - Periodical interest (products like 302, monthly
discounted interest payment)
- Deposits on or before maturity
- Principal can be reinvested in the existing or new
account
- For viewing the details of the closed deposit, click on
the All Deposit box in the pop up window.
Instruction can be given one day prior to the date of
maturity of the deposit.

09 1337 Interest Payment In case the depositor gives no instructions and interest is
Inquiry already due (credit will be in SD GL 240001100) can be paid
any day before the maturity of the deposit.
On maturity, any unpaid interest will be added to the
principal amount.

COMPILED BY COMPUTER LEARNING CENTRE, STAFF TRAINING COLLEGE, BANGALORE

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 FCR MADE EASY
TIME DEPOSIT
RENEWAL/REDEMPTION OF DEPOSIT (Refer HO Cir 205/2011 for NRE Term Deposits)
10 1358 TD Redemption Used for
- Renewal of deposit under the same product or change
in product Payment of deposit on or after maturity
- Payment before maturity in part or in full
- Renewal/Redemption (on/after/before maturity) of
NRE/NRO/FCNR/RFC deposits
- Extension along with accrued interest(GL36/2008)
HO Cir 146/2011 - Automatic renewal is enabled. If any maturity
Guideline 17/2011 instructions are maintained through TD039, those
instructions will be carried out on maturity.
Renewal details can be recorded on the back of
the original deposit receipt itself or a fresh
receipt can be printed if the customer insists.
- Automatic renewal applies to encumbered deposits
also.
RENEWAL OF OVERDUE DEPOSIT

Where the overdue period of domestic / NRO term

deposits does not exceed 14 days:
HO Cir 163/2011
124/2013 Close the deposit through option 1358 and credit the
proceeds to parking GL 209272431. Then renew the deposit
for required period with back date by using options
1356/1021 duly ensuring the correctness of interest rate
displayed in the system.
Where the overdue period of domestic / NRO term
deposits exceeds 14 days:

Close the overdue deposit through option 1358 and credit

the proceeds to parking GL 209272431. Then renew the
deposit with back date by using options 1356/1021 duly
ensuring the correctness of the interest rate as mentioned
in the HO Circular. If the rate of interest displayed in the
system is not matching with the HO Circular, account level
variance is to be given for the deposit in 1356/1021

Where the overdue Domestic / NRO term deposit is not

renewed but encashed after the date of maturity:

The deposit will be paid Interest at Savings Bank rate as

applicable from time to time during the overdue period.

If the depositor wants to renew the deposit in other

COMPILED BY COMPUTER LEARNING CENTRE, STAFF TRAINING COLLEGE, BANGALORE

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 FCR MADE EASY
TIME DEPOSIT
than the original deposit product, close the old deposit and
credit the proceeds to GL 209272431. Then open a fresh
account under new product through option 8054 with value
date and open a deposit with the proceeds of closed deposit
account through option 1356 TD pay in by debiting GL.

PAYMENT OF OVERDUE DOMESTIC AND OVERDUE NRO

TERM DEPOSIT:

Redemption Mode: Full

HO Cir 362/2011 Redeem Mode: Should be any of the following only

Cash/Transfer to CASA Account/Pay Order/DD/Transfer

to Loans.

Original maturity value can be seen under Outstanding

Principal filed and amount inclusive of Overdue Interest
under Net Redeem Amount field in Deposit Summary tab.
Report ID TD778 Break of the entries is available in Deposit Details tab.

PAYMENT OF DEPOSIT ON MATURITY WHEN LIEN

EXISTS:
- If VSL is granted, option to be exercised at that
time Force renewal or redemption.

INTERNAL LIEN:
- Force Renewal Deposit will be renewed and VSL
continued with lien on new deposit. Validity of VSL to
be changed to correspond to the new due date of the
deposit though LN521.

-Redemption Deposit will be adjusted to VSL. If

redemption is exercised, Maturity instructions have
to be modified through TDM24 to Redeem at least
one day prior to maturity
EXTERNAL LIEN:
- When VSL is granted with external lien, payout
instruction has to be maintained through TD039 to
credit the proceeds to VSL or Force Renew as
otherwise old instruction prevails and deposit will be
disposed accordingly.

PAYMENT OF DEPOSIT BEFORE MATURITY WHEN LIEN

EXISTS:

COMPILED BY COMPUTER LEARNING CENTRE, STAFF TRAINING COLLEGE, BANGALORE

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 FCR MADE EASY
TIME DEPOSIT
INTERNAL LIEN:
- Delete the lien through LNM34.
- Credit the proceeds of the deposit to Parking GL.
- Close the VSL using 1067.
- Credit surplus if any to CASA account.
EXTERNAL LIEN:
- Delete the lien through TDM24
- Credit the proceeds of the deposit to Parking GL.
- Close the VSL using 1067.
- Credit surplus if any to CASA account.
TAX DEDUCTION AT SOURCE (Native report TS117 for projected income of a customer)
15G and 15H can be generated through BO using option 170088, 170089
11 TDS03 Tax Waiver To mark receipt of Form 15G/15H for TDS exemption.
(Available to Very Important: Form 15 G/H should be obtained at the
Officer for beginning of the financial year/at the time of opening a new
updating and Teller account/adding any deposit to the existing account/renewal
for Inquiry) of a deposit and updated in the system without fail on the
Auto date of receipt itself. System permits updating TDS03 for
Authorization the next financial year also in advance.

System checks for the existence of PAN in CIM09. If

Guideline 17/2009
PAN is not captured, 15G/H details cannot be updated,
Guideline 25/2010
thereby resulting in deduction of higher tax.
Guideline 49/2010
BO Reports 120026 PAN Details. Updating/modification
Guideline 16/2011 of PAN through CIM50 only.

HO Cir 342/2011 At the time of interest payout/compounding, the system will

for TDS on Court check the availability of PAN number of the depositor and if
Deposits the same is not available, recalculates the TDS at higher
rate from the first day of the Financial Year till the date of
interest payout/compounding.

If the PAN details are updated in the system subsequent to

deduction of higher rate of TDS, system will recalculate the
TDS at normal rate on the date of next interest payout
/compounding or last working day of March from the
beginning of the financial year and deduct only the
differential TDS amount if any, otherwise system will not
deduct any TDS.

Select Customer ID.

DO NOT CHECK/TICK THE FLAG WAIVER FIELD

AVAILABLE AT THE TOP

COMPILED BY COMPUTER LEARNING CENTRE, STAFF TRAINING COLLEGE, BANGALORE

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 FCR MADE EASY
TIME DEPOSIT
- Financial year is the beginning year of the FY
- Flag waiver one by one for which 15G/15H is obtained.
When an account is transferred in, the number
remains the same. Hence ensure that the deposit is
transferred to your branch if the DP Code in the
account number is different.

System will take care of change in TDS rate and deduct tax
in case of earlier deductions.

TDS amount will be available in the following GLs:

209270510-Domestic ; 209270530-NRO

TDS is getting effected in respect of KD as on the last

day of financial year or on the date of
maturity/closure/part withdrawal/extension whichever
occurs earlier

ANY TDS REFUND SHOULD BE EFFECTED THROUGH

(Cir 291/2014)
TDS13 OPTION ONLY UP TO THE 4TH OF THE
SUCCEEDING MONTH

12 TDS11 TDS Inquiry To know the TDS details of a customer for a financial year
- Customer-wise; Account-wise; deposit-wise; interest-
wise

13 TDS13 TDS Refund TDS refund in respect of both DOMESTIC and NRO
Deposits is to be effected before remittance of the TDS
amount. CUT OFF Date for affecting the refund is 4th of
(Cir 291/2014) the succeeding month.

Search on Customer ID. Deposit details are displayed.

Select refund mode Transfer to CASA, Transfer to GL or
DD/PO Issue.
Select the entry that needs to be refunded. Save. Amount
will populate in Refund Amount Field. Authorize locally.
INQUIRY OPTIONS
14 7020 TD Balance Inquiry Deposit Number-wise

15 TD037 TD Account Transaction in the TD Account:

Ledger Inquiry - Details are available on the next day since the data gets
updated during day end process.
16 TD031 TD Audit Trail Details of interest accrual, payout, compounding & TDS
Inquiry deducted can be viewed

COMPILED BY COMPUTER LEARNING CENTRE, STAFF TRAINING COLLEGE, BANGALORE

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 FCR MADE EASY
TIME DEPOSIT
17 TD041 TD Deposit To know whether a certificate is printed or not
Certificate Inquiry

18 TD042 Interest & Interest & Principal Payment History

Principal Payment
History

19 7125 TD Schedule To inquire into actual and projected income of a TD.

Not available for staff products as of now.
20 GLM04 GL Transactions & TDS on Domestic Deposits GL Code 209270510
Movement Inquiry TDS on NRO Deposits GL Code 209270530
Date of debit, value date of debit, account number and
amount of TDS deducted are available
TD ACCOUNT/DEPOSIT MASTER
21 TD020 TD Account Details of Account captured thro 8054 are available here
Master - Deposits All deposits linked to an account in a single
screen
22 TD021 Deposit Master General details, Interest Rate, Balance, Payout, Payin,
Redemption details pertains to part redemption.
Also, to maintain interest variance before accrual
BLOCK/UNBLOCK/LIEN
23 TD028 TD Block/Unblock Blocking/unblocking of TD for specific reasons
status

24 TDM24 TD Lien Master

To create lien on TD EXTERNALLY:
- ADD: Like TD obtained as collateral security, VSL
granted against the ledger balance of a deposit
- MODIFY: To modify lien amount, maturity instruction
force renew to redeem
- DELETE: For cancellation of lien
- INQUIRY: To inquire all types of lien like External,
Loan, OD, Sweep in etc
TRANSFER OF DEPOSIT (Report 7775-BA024-7778)
25 BA995 Single Account System allows transfer of account from one CBS branch to
Transfer another CBS branch. Account number remains the same.
Only the HOME BRANCH will be changed. System will pass
relevant GL entries. No BAR/IBA required.

In case of Fixed deposits where interest payment

instructions have not been maintained through TD039, first
verify through 1337, pay if any amount is pending, then
only opt for BA995.
Not to be used for transfer of FCNR accounts.

COMPILED BY COMPUTER LEARNING CENTRE, STAFF TRAINING COLLEGE, BANGALORE

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 FCR MADE EASY
TIME DEPOSIT
MISCELLANEOUS
26 TDM07 Investment This can be used to find out:
Calculator - Maturity Value
- Total Interest payable
- TDS on fresh deposit
- Interest Provision (only option for new/existing
deposit)
- Interest flow for FCNR/RFC deposits

By selecting Product Code, Amount, Deposit Date, Term,

Interest Payout Frequency and Tax codes 1 & 2.
For account opened on the last day of the month under
product code 302, interest distribution is not uniform for
all months.

COMPILED BY COMPUTER LEARNING CENTRE, STAFF TRAINING COLLEGE, BANGALORE

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 FCR MADE EASY
LOANS
LOAN PROCESSING
01 LN057 Loan Direct To open a loan account: ADD:
Account Opening - customer relation: SOW INDIVIDUAL
or JAF - JOINT BORROWER
(Cir 248/2010 for only one borrower's name can be entered
BASE Rate ) - product code
- purpose
- Takeover Loan: Yes/No from drop down list
- term in months only inclusive of moratorium
- Bank/FI name:
- Asset Value/Project Cost:
- Contribution/margin in actual rupee
- Loan Amount:
- Schedule code
- variance to get net ROI
- As the ROI is linked to BASE RATE, select code
in 1000 series only.
Date of Sanction: Sanctioning Authority:
Sanction Reference: Date of Loan Paper:
Fixed/floating Switch Due Date:
Crop Loans:
AC Plan Code: from pick list 52 or 53 or 54 denoting
crop duration as 12 months, 18 months and 24 months.
Crop Type: Season:
Review Period: Review Date:

Classification of Crop Based loans as NPA is based on

crop season that is selected here.

Property Location: Population:

The above two fields are required for classifying the HL
as priority/non priority since it is based on quantum and
location. Value in Population field is system enabled.

Agri loan/advances purpose: From drop down list in case

of Agricultural loans
Place of Institute: From dropdown list in case of EL.
Value in this field and the quantum of loan classifies the
loan as priority/non priority.
GCC Loan Purpose: From dropdown list if the loan is
under GCCS.

ANNEXURE TO CIR 248/2010 GIVES A LIST OF ALL

PRODUCT CODES AND THE ASSOCIATED SCHEDULE

COMPILED BY COMPUTER LEARNING CENTRE, STAFF TRAINING COLLEGE, BANGALORE

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 FCR MADE EASY
LOANS
CODES.
Application number is generated when the TELLER saves
the data. Note the same on the application.
Supervisor should enter this number in the Application
Number field under Authorize mode for authorization.
System will generate Loan Number upon authorization.

02 CI142 Customer account To add/delete Joint borrower (JAO), Co-obligant,

relationship Guarantor First Borrowers Relation to be made JAF
maintenance before adding joint names.

03 LN323 Account Document To mark the status of the document as 'Not

Maintenance Received/Received/Waived/Returned depending on
(Auto Update) Mandatory status Y/N. Now this is optional (GL69/07)

04 BAM83 MIS Xref All fields are mandatory.

Maintenance
Transaction MIS Information:
(Guideline 14/09) Values are defaulted by the system
Whenever a loan is covered under guarantee cover of
(Cir 105/10 for
CGTMSE/ECGC/BANK GUARANTEE, the same should be
details of BSR
marked under GUA-COVER field. Ensure that the value
Codes)
of cover is noted in LNM99 option.
Guideline 01/2013 Loan CANNOT be disbursed unless this is completed

HO Cir 542/2013 Composite MIS Information:

If the loan is sanctioned by a RAH, select the name from
the list, else select Not Applicable

Based on the inputs given while opening of the account in

the screens LN057, CIM22 and BA020, system classifies
the accounts as Priority / Non priority during EOD.
Consequently, the flowing fields in BAM83 are blocked
for further modification.

05 BAM74 Security Header To create security details

Maintenance - Security ID: 13 digit a/c number + 001 (sl no)
- Security Code: Appropriate (999 for VSL/OD on
Principal + Interest, i.e. the present value)
- Home Branch
- Document Code: Mandatory
- Original Value: Purchase Value

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 FCR MADE EASY
LOANS
- Last Value: As per valuation by Approved valuator
- Market value: By local enquiry
- Description 1: Boundary
- Description 2: Landmark

06 LNM34 Loan Security link To link the security to loan account

Maintenance - Lendable amount to be modified
- Prime for Main security
- Secondary for Collateral

System Defaulted Lendable Margin % SHOULD NOT BE

CHANGED unless the sanction stipulates so.

Function of BAM74 can be carried out here in this option

itself by checking on Create New Security box. On
saving, System will generate appropriate Security ID
running serial number for the customer suffixed to the
Customer ID CustomerID+001.
When the security is directly created & linked through
LNM34, local authorization is sought by the System (for
the security creation part). ONE MORE authorization is
required through LNM34 for the link part. To be done for
loans opened under LN063 also.

07 LN521 Setup Account Disbursements. System supports multiple disbursements

Schedule/Disburse in a day. For subsequent disbursements, FP 1413 should
ment be used for same day.
- Disbursement mode: ANY if multiple
disbursements are to be made on the same day
- Disbursement Amount: Sanctioned amount
- Actual amount in 1413 is updated during day end.
- Service charges can be modified by clicking on
change amount or can be waived by changing the
Waive flag.
- Processing Charges/Upfront Fees are to be
collected from the customer at the time of
submitting the application itself. If so, check the
waive flag. If not collected earlier, do not check
the waive flag, in which case, charges will be
debited to the loan account (Guideline 30/09).
Rescheduling/Restructuring to be done using this option.
Repayment schedule can be printed using option 7775
LN451 7778.

COMPILED BY COMPUTER LEARNING CENTRE, STAFF TRAINING COLLEGE, BANGALORE

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 FCR MADE EASY
LOANS
08 1413 Loan Disbursement For multiple disbursement more than one disbursement
Inquiry on the same day

09 BA020 Account additional Loan sanctioned details:

information master Date of Sanction:
maintenance Sanction Reference:
Sanctioning Authority:
HO Cir 542/2013 Date of loan Paper:
Fixed/Floating Switch Due date:

The above fields are mandatory without which further

disbursements, if any, in an existing loan are not
possible. For new loans, they are populated from LN057.

EDUCATION LOANS
For loans sanctioned under product codes
- 651 EL Vidya Sagar
- 652 EL Shaheed Loan
- 653 EL RBI Scheme Prof College
- 654 EL DIR
- 655 Vocational EL Model Scheme
All fields under Education Loan Particulars Block is to be
filled in.
Values under Parents Income Details are linked to
Interest Subsidy. If interest subsidy is available, these
fields are mandatory.

SHG/JLG/MCG Details TAB

For loans sanctioned to Self Help, Joint Liability and
Micro Credit Groups under product codes
- 737 Loans for SHG
- 801 Agri SHG Monthly Installments
- 851 Agri SHG Other than monthly Installments

OTHER DETAILS TAB

For loans filed for recovery under LOK ADALAT, the
details have to be entered under Lok Adalat Details
Block under the above TAB.

- Mortgage/Hypothecation/Pledge/Stock/Collateral
details
- Write off details
- Seizure and other details
- AOD/AOS details in General Tab

COMPILED BY COMPUTER LEARNING CENTRE, STAFF TRAINING COLLEGE, BANGALORE

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 FCR MADE EASY
LOANS
- LPD details under CDCRM Tab
Ensure selecting of appropriate status in the Status of
LPD field so that wherever AOD is required, the details
are not left out in PRR 12 (Guideline 13/09). This is
important to generate accurate PRR 33 return.
In the case of advances to sensitive sectors, the details
have to be updated in Collateral TAB (Cir 402/09).
In the case of account classified as LPD, full details
have to be captured in BAM59.
10 BAM72 Data on Account No:
Restructured Loan Whether Restructured/Rescheduled: Yes/No
Date of Restructure /Reschedule :
Data gets updated automatically when a loan is
restructured
INQUIRIES ON LOAN ACCOUNT
11 7026 Loan Balance To know about Arrears, Balance Outstanding, Funds in
Inquiry RPA, Unclear Funds for a loan account (JC10/07)

12 LN522 Account Schedule Repayment schedule of the loan account. Latest schedule
Inquiry is available under Amendment No 0 with Amend date
01/01/1800

13 LNM10 Account To know:

Transaction Inquiry - Statement
- Account Details: Security Details
(JC 10/2007) Account Relationship
Hold in CASA
Interest & Arrears
Compromise details are available
- Account Ledger Inquiry
- Arrears Inquiry
- Audit Trail Inquiry to inquire Interest accrual,
interest income, charged etc
INSURANCE (JC10/06) Reports for Follow up LN626, LN634
14 BAM77 Insurance Policy To enter details of policy
Master
maintenance

15 BAM67 Security Insurance - Security Details: Security ID as mentioned in

cross reference BAM74
maintenance - Insurance Details: Insurance Policy Number as
(Auto Update) mentioned in BAM77

COMPILED BY COMPUTER LEARNING CENTRE, STAFF TRAINING COLLEGE, BANGALORE

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 FCR MADE EASY
LOANS
- Premium Billing Details: Not Mandatory
- IF OPTED, bill option to be Manual
- Loan Account number and premium amount to be
specified. Credit will be available in GL
209272410. Issue DD for the premium amount.
- IF NOT OPTED will not debit the account
automatically
To be debited through BAM50 wherein the premium
amount entered in BAM67 will be displayed.

16 BAM50 Common Billing Amount debited becomes due immediately.

Transactions - For debiting loan account/CASA towards
Insurance Premium, Service Charges, Legal
Charges or other charges.
- CONTRA CREDIT WILL BE AVAILABLE IN
209272360 SL Others Outgoing
- DD can be issued by debiting GL:
- For legal charges
For Insurance Premium

17 9540 Reversal of Wrong - Only to reverse any wrong credits made in a

Credit loan account. This reverses the most recent
appropriations against arrears for the account
- Amount debited through this has no impact on
repayment schedule
- Once done, cannot be reversed
- System will not allow to reverse a credit entry if
any subsequent debit entries are made in the
account (Guidelines 55/07)
- Should never be used in case of suspended
accounts.

18 LNM83 Account rate Usedto make change in ROI:

change - New Effective Date
- Rate account variance
- Rate change parameter
- ROI change for both non tiered and tiered
accounts (i.e. slab accounts)
- Change can be retrospective or prospective for
loan products under GA and AL up to product code
811.
PROSPECTIVE CHANGE

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 FCR MADE EASY
LOANS
- Latest date: Next date to process date. Change is
effected at EOD process.
- Always to opt for Recalculate Installment
- 'Set Fixed ' box to be selected to make the rate
change plan as fixed. (From floating to fixed or
LPD account transfer etc.)
- Rate account variance field only to be modified
- Modification of Plan Codes starting with
1000(Normal) & 4000(PMI) where Interest is
linked to BPLR
- Modification of Plan Codes starting with
2000(Normal) & 5000(PMI) where Interest is
linked to BASE RATE

Change for all slabs.

LIMITATIONS FOR CHANGE IN ROI WITH
RETROSPECTIVE EFFECT
- Change cannot be given earlier to the date of
disbursement or date of migration to CBS.
- For restructured accounts, the change can be done
only from the date of restructure.
- Wherever option 9540 has been used, change can
be only after the date of last use of 9540.

RETROSPECTIVE CHANGE
Where account is regular:
Account in Moratorium (No interest & principal) Change
not allowed
Account in EMI/EPI Change in 1000/2000 series with
retrospective date. In 4000/5000 series (PMI) change
is prospective date only (next days date)

Account in PMI Change to be effected in 4000/5000

series only.

If the effective date is before the maturity date,

interest rate change is not possible in 1000/2000 series.
Interest should be calculated manually for this period
and adjustment entries have to be passed.

If any account in PMI stage is restructured after rate

change, corresponding rate change has to be effected in
1000/2000 series
(GL 31/2010)

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 FCR MADE EASY
LOANS
In CBS, penal interest for all loans is defined as 2%.
However, penal interest is related to the type of
customer and the amount of loan. In view of this, if
PI is less than 2%, on the date of disbursement itself
it should be modified for the Interest Plan 900
through Rate Account Variance field (Guideline
30/09).

19 BAM57 Interest - To rectify any excess/short interest charged/paid

Adjustment to Loan to any loan/CASA account due to wrong noting of
account ROI at account level
- Interest debited becomes demand immediately

Credit only to the extent of interest arrears in the

account (JC 09/06)
20 LNM35 Loan Account Details Tab
Master Attribute Appropriation Sequence (Non Performing):
Maintenance - Character 'C' denoting principal arrears to be
shifted to first position in the sequence
DIT 566 F 132
Attributes Tab
dated 13.12.2010
- OTS Account: OTS Date:
Check this box if OTS is permitted.
- LPD Account: LPD Date:
Check this box if account is classified as LPD.

LPD classification is complete only if the following are

done:
AC002: Checking the Recall Account flag.
LNM83: Check on Set Fixed flag to freeze the ROI

21 LN045 Loan Disbursement Reversal can be done on the same day of disbursal
Reversal - After disbursement
- (a) 6006 search electronic journal
- Reverse by teller
- (b) LN045 reverse disbursement
- (c) LN521 Account schedule for fresh
disbursement

22 LNM38 Loan Approved To reduce sanctioned amount at a later date in the case
Amount of a partially disbursed account
Maintenance

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 FCR MADE EASY
LOANS
23 LNM33 Loan account Maintain account level address if different from that of
address 8053/CIM09
maintenance

24 CIM12 Customer Contact Option available for officers and above

Log Maintenance For recording inspection comments, Description 248
characters.
Select Purpose as Inspection
History of visits Report 7775 CI127 7778
25 LNM31 Account Payment SI for loan accounts
Instructions - As and when arrears occur in the loan account,
draws down the amount from the CASA account of
the customer to the extent of arrears or to the
extent of balance available (minimum balance
requirement is not taken care of in the source
account).
- Customer ID in CASA and Loan account should be
same
- 31 maximum retries
- If due date is holiday, on next working day
- Execution during day end process
CHM31 Also applicable. However,
- Executes the SI on the date given and the amount
specified
- No partial execution
- Executed during Day Begin Routine
- When ROI/EMI changes, amount to be modified
REPAYMENT OF THE LOAN
26 1065 Loan Installment Supports Cash, Local Cheque (outward clearing), Saving
Payment Inquiry Transfer & GL Transfer
- Payment can be done only after the installment has
become due
- For NPA accounts, local authorization is needed

27 1068 Loan Advance For payment of advance installments any amount in

Payment Inquiry excess of the amount due - Cash, Local Cheque (outward
clearing), Saving Transfer & GL Transfer
- Amount received will be parked under RPA
(Repayment Pending Appropriation) GL 209272350
and appropriated to loan during EOD.
- For the purpose of Interest calculation and
statement, amount is reduced from the o/s

COMPILED BY COMPUTER LEARNING CENTRE, STAFF TRAINING COLLEGE, BANGALORE

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 FCR MADE EASY
LOANS
CLOSURE OF ACCOUNTS
28 1067 Loan Full Payoff Case I: Account is in debit balance
Inquiry - Penalty method waive
- Settlement mode select the appropriate mode
Case II: Account is in credit balance & status is
NORMAL
- Bring the account to debit balance of rupee ONE
by BAM50/9540 and credit to parking GL
- Close the account through 1067, Debit same GL
- Remaining amount in GL to be credited to CASA

Case III: Account is in credit balance and status is

closed:
- Use 1412 Debit loan account, credit CASA
Before using 1412 Collection of up to date interest by
system to be ensured

29 LN001 Loan Account 1. Loan Account opened in error can be closed using
Closure this option before disbursement.
2. Partially disbursed accounts also can be closed if
further disbursement is not envisaged and if the
account is in credit after application of interest.
Credit balance if any shall be credited to CASA
account of the customer using option 1412.
ASSET CLASSIFICATION, WRITE OFF
30 LN052 Taken Over Loan This option derives data from LN057 in the case of new
Details loans.
For existing loans, the values in Takeover Loan Derails
(HO Cir 577/2013) TAB and Consortium Banks TAB have to be Added.
If the loan has been classified as NPA at the time of
addition, The date of NPA is automatically updated here.
If the account has already been classified as LPD, the
details captured in BAM59 will be fetched to this screen.

31 CIM15 Customer NPA Select on Customer ID.

Master Reason for Manual Movement: Select from Drop Down
Maintenance List. System will then allow manual classification as NPA
(CBS Handout 22) through AC002.
(Cir 52/12, 71/13) Creation/Deletion to be authorized by designated
authority at HO.

COMPILED BY COMPUTER LEARNING CENTRE, STAFF TRAINING COLLEGE, BANGALORE

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 FCR MADE EASY
LOANS
32 AC002 Account Effective March 2011, movement of NPA is controlled
Classification by the System and no manual intervention is required
Inquiry (Ho Cir 283/10).
In the case of manual movement (CIM15 enabled),
Guideline 67/2008 For classification of loan account from Performing
(Normal) to non-performing (suspended) and vice versa.
- Go by customer ID
- All accounts of customer appear
- Double click on the account
- Click on CRR Movement Tab
- Movement forward/reverse
- New CRR field pick appropriate value

If the account is classified as LPD/suit filed account,

tick on Recall Account in which case, the entire liability
will be shown as overdue. If the recall is ticked
wrongly, it cannot be reset at the branch level.
Contact DIT.

33 AC004 Account write off For writing off an account including agricultural loans by
debiting Write off expenses GL 420083140 for Gen
advances/ODCC and 420083110 for Agricultural loans.
IBA credit shall be routed to the respective GL.

Opt for Full Write Off and if under OTS, opt for OTS
Allowed also. Write off under OTS is possible only if the
OTS details are updated through BAM54

Aamount displayed should tally with that of the IBA.

MISCELLANEOUS OPTIONS
34 BA434 Account to To inquire security details attached to a loan account/OD
Security Inquiry account - Same reflects n the balance sheet

35 BA433 Security to To inquire security attached to how many loans

Account Inquiry
36 LN500 Installment To know installment (EPI/EMI) and term for a given
Calculator amount/ROI

37 LNM99 Loan Account CBR To feed the details of DICGC/ECGC/CGTSI etc claim
Details settled and available in TAB0

Guideline 01/2013 Value entered here is linked to BAM83 MIS field

GUA-Cover. If guarantee cover is mentioned in
BAM83, related cover value is mandatory in LNM99
without which no disbursement is possible.

COMPILED BY COMPUTER LEARNING CENTRE, STAFF TRAINING COLLEGE, BANGALORE

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 FCR MADE EASY
LOANS
38 BA099 Priority Sector EUQIRY ONLY. Information is gathered from CIM22,
Data for CHM07, LN057 and BA020
Loan/Advance

39 LN063 Single Loan Facilitates opening of transferred-in accounts (Product

Account Transfer Codes up to 811)/Manual Accounts not migrated
Simple Interest, Compound Interest, Staff Accounts,
(Cir 124/2010) NPA/LPD accounts.

For Agricultural loans, use AL063 (HO Cir 41/2011

dated 07.02.2011

Facilitates further disbursement in case of partially

disbursed accounts.
ACCOUNT INFO TAB
Select the Customer thro Search Criteria ID/IC.
Branch Code: Your Branch DP Code
Old Account No: Prefixed with transferor branch DP
New Account No: Will be populated upon completing the
form
Account Opening Date: Date on which the account was
originally opened.
Maturity Date: Date on which the account should be
closed as per sanction.
Conversion Date: Current Date is shown.
First Disbursement Date:
Sanctioned Amount:
Disbursed Amount:
Product Code: Select the correct product code (Does
not support product codes under Agriculture)
Sanction Term: Sanctioned term of the loan in months
including the holiday period.
Schedule Type: Select the correct Schedule. (GL01/08)
For accounts where originally Holiday for Principal and
Interest Repayment is given but if the repayment has
started at the time of capturing the details in LN063,
then select a Schedule without HOL stage
Net Product Rate: (Interest rate) Is displayed
Remitter's Account: Do not enter any number here.
Accrual Status: Normal/Suspended
Account Level Variance: To be given if the interest to
be charged to the loan is different than the Net Product
Rate. For slab rate accounts (Incremental type) interest

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 FCR MADE EASY
LOANS
variance should not be given here, but to be done through
LNM83 after opening the account.
Post GL Entry []:

CHARGING & BALANCE INFO TAB

Last Charging Date: Date up to which interest is

charged in the legacy system.
- In case the account is in MOR first disbursement
date
- If the account is regular and in IPI or EMI - last
day of previous month
- If the account is NPA/LPD one day prior to the
date of capturing the account in LN063
- For slab accounts (non staff) one day prior to
the date of capturing the account in LN063
- For FPI accounts (Staff) first disbursement
date

Outstanding Principal Balance: Principal outstanding

amount irrespective of whether due or not.
- MOR: Only the Principal portion
- IPI: Principal portion outstanding
- EMI: Total Principal Outstanding
- FPI: (1) If both principal & interest are
outstanding, only the principal
(2) If only accrued interest, the entire
amount as principal outstanding (In
LNM83, ROI has to be noted as 0%)
- NPA: Total outstanding balance (unrecovered
interest in the mirror account to be captured
through BAM57 after opening the account).
- LPD: Total outstanding balance (unrecovered
interest in the mirror account to be captured
through BAM57 after opening the account).

Parking GL: Select parking GL 209272431.

RPA Balance: Do not enter anything here.
Last Accrual Date: Should be the previous date of
opening the account in LN063

Interest Amount: Accrued interest up to the current

date.
- MOR: Interest accrued from the first

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 FCR MADE EASY
LOANS
disbursement date till previous day of capturing in
LN063
- IPI/EMI: Broken period interest from first day of
current month to previous day of capturing in
LN063 calculated manually and entered
- FPI: Interest accrued from the first
disbursement date till previous day of capturing in
LN063
- NPA: Nil
- LPD: Nil
- SLAB: Nil
Outstanding balance in the account needs to be
segregated into principal and interest components.
If there are arrears, the same need to be entered by
clicking on the + sign.
- Sign can be used to delete any rows created.
Click on OK. After authorization, new account number is
displayed.
Please ensure that the Principal arrears, Interest
arrears, Charges arrears, penalty arrears total to the
BAR amount.
Other steps:
BAM74, LNM34, BAM83, LNM83 FOR ROI
VERIFICATION. LN522 FOR REPAYMENT SCHEDULE
VERIFICATION. LN521 FOR RESCHEDULING IF
NECESSARY.
Use LNM31 for capturing drawdown details
(Ref. Job Card no 02/08 )
Refer HO Circular 412/2013 on implementation of ECS functionality for recovery of loan
installments from clients maintaining their salary/operative accounts with other banks

COMPILED BY COMPUTER LEARNING CENTRE, STAFF TRAINING COLLEGE, BANGALORE

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 FCR MADE EASY
VSL
GRANTING VSL AGAINST SINGLE DEPOSIT (OTHER THAN STAFF/FCNR/THIRD PARTY
DEPOSIT)
01 LN057 Loan Direct Account Product Code: 743
Opening Loan Term: Remaining period of the deposit in Months.
Ensure that the repayment date coincides with the
deposit maturity date by making appropriate changes
through LN521.
Loan Amount: 90% of Principal + Interest even though
lesser amount is sought.
Schedule Code;
1002 If interest and principal is to be recovered on
maturity.
1001 If interest is to be recovered monthly and
principal on maturity.

Net Product Rate: Ignore the rate displayed

Variance: Do not enter any value so as to arrive at the
interest rate on VSL. This is taken care in LNM34
under the field Link TD for Interest

02 LNM34 Loan Security link Account No: Loan Account Number

Maintenance Security Code: TD Security 133 INR. If the loan is
against RD, select Recurring Deposit.
Create New Security : Do not tick the box.
Security ID: Full 13 digit Account number
Link TD for Interest: Tick the box. This will take the
interest on the VSL as Deposit rate + 2%
Deposit No: Select from pick list.
Dep. Cert. No: Enter printed serial number.
Security Value, Lendable Value & Lendable Margin is
populated. Do not modify these fields.
Prime/Secondary: Select Primary
Other options like CI142, LN323, BAM83, BA020 and LN521 to be completed.
GRANTING VSL AGAINST MULTIPLE DEPOSITS WIITH UNIFORM OR SAME ROI,
AGAINST FCNR/RFC/THIRD PARTY DEPOSITS
03 LN057 Loan Direct Account Product Code: 743
Opening Loan Term: Remaining period of the deposit in Months.
Ensure that the repayment date coincides with the
deposit maturity date by making appropriate changes
through LN521.
Loan Amount: 90% of Principal + Interest even though
lesser amount is sought.

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 FCR MADE EASY
VSL
Schedule Code;
1005 BR-Third party NRE/NRO Dep-Bullet Repay
1004 BR-Third party Dep-Int mth-Bullet Repay
1003 BR-NRE/NRO Dep- Bullet Repay
1007 BR-FCNR Deposits
1006 If VSL is against NNND.
Net Product Rate: Rate is displayed as per Schedule
chosen.
Variance: Do not give anything here. Use LNM83

04 LNM34 Loan Security link Account No: Loan Account Number

Maintenance Security Code: External Lien Deposit 100 INR
Create New Security: Check the box
Security ID:
Security Value: Enter 100% of the value of deposit
with interest.
Lendable Value: Enter 90% of Security Value.
Prime/Secondary: Select Primary
Home Branch: Select from Pick List
HEADER DETAILS TAB:
Type of Charge: First.
NON STANDARD TAB:
Non Standard Security ID: Enter 13 digit deposit
number.
Description 1 & 2: Enter Deposit Serial Number,
Printed Serial Number, Face Value, Maturity Value
etc.
VALUATION DATA TAB:
Original Value: Face Value of Deposit.
Last Value: Present Value of Deposit (Principal +
Interest)
Market Value: Same as Last Value.
This is to be repeated for all Deposits.

05 TDM24 Lien Master Inquiry Account Number: Deposit Account Number.

Original Deposit Number: Select deposit number from
Pick List.
Lien Amount: Security Amount as entered in LNM34.
Description: 13 digit loan account number.
Reason for Lien: VSL Granted Against Deposit.
Other options like CI142, LN323, BA020, BAM83 and LN521 to be completed.

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 FCR MADE EASY
VSL
GRANTING ADDITIONAL LOAN AGAINST DEPOSIT (VSL)
06 LN521 Account Schedule If the amount to be disbursed is less than the available
amount shown under LNM10, go for disbursement.
Otherwise, follow the procedure applicable to
granting additional loan in migrated VSL.
GRANTING ADDITIONAL LOAN IN A MIGRATED VSL
07 BAM50 Common Billing Choice: Bill Outgoing
Transactions Due Amount: Amount to be disbursed
Narration: Additional VSL granted

Amount debited will be credited to GL 209272360.

Debit this GL and credit customers account.

08 LN521 Account Schedule Reschedule TAB

Reason: Additional VSL granted
Select Recalculate Installment.
Check Capitalize Due arrears box
Validate & Generate Schedule.

System will not update the sanctioned amount in

LNM10.

Guidelines 23/2009 & 29/2009, HO Cir 433/2009, 248/2010, Handout No 09

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 FCR MADE EASY
CD CRM

COMPREHENSIVE DATA ON CREDIT RISK MANAGEMENT (HO Cir 40/2013)

01 BAM51 Advances Register These details are to be compulsorily filled since they
Maintenance are not available in LN057/BA020
02 BAM62 CIF Register These details are to be compulsorily filled since they
Maintenance are not available in CIM09/11/22/17
03 BAM42 Sick Unit To be completed only if an account is classified as Sick
Unit
04 BAM48 Concession Details To be completed only if concessions are permitted to
Maintenance any account
05 BAM49 ARC Maintenance To be completed only if any account permitted to be
sold to Asset Reconstruction Company
06 BAM37 AAIFR To be completed only if any case is pending with AAIFR
(Appellate Authority for Industrial Finance &
Reconstruction)
07 BAM53 BIFR Maintenance To be completed only if any case is pending with BIFR
(Board for Industrial Finance & Reconstruction)
08 BAM54 Compromise Unit To be completed only if an account is permitted
Compromise settlement
09 BAM61 NPA Maintenance To be completed every time an account slips to NPA or
upgrades
10 BAM59 Data on LPD Account To be completed if any account is classified LPD and
suit is filed for recovery
11 BAM66 Identification In addition to what is entered in CIM22 under
Documents Additional Info TAB
12 BAM31 Data on SARFAESI To be completed only if recovery process under
Account SARFAESI is invoked
13 BAM26 Guarantor Register Details of the Guarantor are to be entered here.

14 BAM78 Business Turnover To be completed for all Corporate loan accounts where
Details BASEL II code in BAM83 is from 16500 to 16850

15 BAM86 Term Loan Draw Down BAM51 is a prerequisite. To be completed for all Term
Loans with Drawdown Schedule

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 FCR MADE EASY
CD CRM

16 BAM82 Claim Details BAM51 is a prerequisite. To be completed for all loan

accounts where BASEL II code in BAM83 is 11500

17 BAM79 Security Register Gold All loan accounts with GOLD as Collateral and captured
in BAM74/LNM34

18 BAM89 External Credit Rating BAM51 is a prerequisite. To be completed for all loan
accounts where BASEL II code in BAM83 is 12000,
12050, 12100, 12150, 12200, 12250, 12300, 12350,
14000, 16000, 16500, 16550, 16600, 16650, 16700,
16750, 16800 & 16850

19 BAM88 Internal Credit Rating BAM51 is a prerequisite. To be completed for all loans

20 LN555 Consortium/Syndication BAM51 is a prerequisite. To be completed for all loans

Details under consortium/syndication

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 FCR MADE EASY
AGRICULTURAL LOAN
There are two types of products for many agriculture schemes, i.e., monthly interest type and
half-yearly interest type. The following are the options for the purpose of opening and
maintenance of agricultural accounts depending upon the periodicity of interest.

Options
Half yearly Monthly interest
Description interest type type
(DND type)
Customer Addition 8053 8053
Loan Direct Account Opening LN057 LN057
Customer Account Relationship Maintenance CI142 CI142
Account Documents Maintenance LN323 LN323
MIS Xref maintenance BAM83 BAM83
Loan Security link Maintenance LNM34 LNM34
Account Schedule AL521 LN521
Agriculture Loan Disbursement Inquiry 1415 1413
Insurance Policy Master Maintenance BAM77 BAM77
Security Insurance Cross Reference Maintenance BAM67 BAM67
Agriculture Loan Account Master Maintenance ALM35* LNM35
Account Transaction Inquiry ALM10 LNM10
Agriculture Account Schedule Inquiry AL522 LN522
Loan Balance Inquiry 7026 7026
Account Rates LNM83 LNM83
Agriculture Loan Installment Payment Inquiry 1072 1065/1068
Loans Full Payoff Inquiry 1078 1067
Agriculture Loan Cheque Book Issue Maintenance ALM37 -
Loan Approved Amount Maintenance ALM38 LNM38
Reversal of Disbursement Step 1 6006 6006
Reversal of Disbursement Step 2 LN045 LN045
Miscellaneous Loan Debit (reversal of latest credit 9540 9540
transaction)
Partial Pay-off 1027 1066
Withdrawal from Credit Balance in KCCS 1422 -
Agriculture Loan Accounts Application Details ALM39 LNM39
Maintenance
Agriculture Stop Cheque Instructions ALM36 -
Single Agri Loan Transfer AL063
Write Off AC004 AC004
Standing Instruction for loan repayment CHM31 CHM31
Draw down for loan repayment LNM31 LNM31

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 FCR MADE EASY
AGRICULTURAL LOAN
SOME IMPORTANT OPTIONS IN AL
01 ALM35 Agriculture Loan ATTRIBUTES TAB:
Account Master Tick on Interest Subvention box if eligible
Maintenance - OTS Account: OTS Date:
Check this box if OTS is permitted.
- LPD Account: LPD Date:
DIT 566 F132 Check this box if account is classified as LPD.
dated 13.12.2010
REPORT AL602 MAY BE USED FOR REVIEW.
INSURANCE DETAILS TAB:
Capture details of the applicable scheme RKBY/PAIS
ADDITIONAL DETAILS
Enter the details for MIS purpose

02 ALM38 Loan Approved Under Modify Mode:

Amount
To be used whenever sanctioned amount is reduced or
Maintenance
enhanced

- - Renewal of KCCS account with

enhancement/reduction in limit has to be made
through this option.
- - In case of KCCS, the revised sanction amount
(enhanced/reduced) upon renewal is to be entered in
the NEW APPROVED AMOUNT field.

- - The period of renewal shall be entered in the

field RENEW TERM. The renewal will happen from the
date next to the previous maturity date.

03 AL521 Account Schedule For disbursement, re-schedule or restructure

04 AL063 Single Agri Loan Ref HO Circular 41/2011 dated 07.02.2011

Account Transfer
Refer report LN721 Loans Customer Details (7775-7778) for all loan details of a
customer

Folio charges in respect of KCCS and Canara Kisan OD (CKOD) will be hence forth charged
at half yearly intervals (March and September) at `100.00 for 40 entries or part
thereof. Recovery will be along with the interest dues as per the respective schemes
(HO Cir 152/2011)

Ref HO Cir 03/2012 for bulk upload of Agricultural accounts through GEFU where
security code is Crop 701, Gold Jewelry - 704 and Land - 27
Ref HO Cir 04/2012 on Restructure functionality for revolving type of agricultural loans

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70
 FCR MADE EASY
CLEARING/OCC/CDB
OUTWARD CLEARING
I. BOOKING/LODGING OF INSTRUMENTS
A. CASA ACCOUNT CREDIT
01 6501 Cheques Deposited Simplest ONLINE option for booking single instrument
on Savings Account for CASA Account
- Routing Number is a nine digit code comprising
example 111222333
111 representing Sector Code
222 representing Bank Code
333 representing Branch Code
Sector code is the first three digits of PIN Code
This option is very useful to give immediate credit
under FP ST060.

02 6511 Consolidated Used for single CASA credit against multiple

(a) Cheque Deposit instruments lodging. Header Creation. (Takes to 6512)
(b) 6512 Consolidated To capture the instrument details.
Cheque Batch Data - Number of instruments and the total amount of
Entry the instruments should tally with the details
Cir 45/2012 entered in Header through 6511.
- Any modification to header in 6511 should be
done through Modify Header option
- Modification to instrument details through 6512
using modify option
Data upload from external sources possible.

03 5506 Batch Data Entry For multiple instruments, multiple CASA account
Outward Clearing credits.
- Maximum 100 instruments can be lodged in one
batch (25-50 advisable).
- Save after every 5-10 instruments.
Data upload from external sources possible.

04 6601 Post-dated Cheque Lodging of single post dated cheque for CASA similar
Deposit to 6501

05 6602 Post-dated Cheques Multiple post dated instruments bearing the same date
Batch Data Entry can be lodged in a batch for CASA credit.
B. GL CREDIT
06 6520 Cheque Deposited Online option to lodge/book single instrument for GL
to GL credit - RD Installment, TD Payin (Also in 1356)
- Single Instrument for Multiple CASA A/c credit

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 FCR MADE EASY
CLEARING/OCC/CDB
C. LOAN ACCOUNT CREDIT
07 1065 Loans Installment - Installment mode is 'Local cheques'
Payment Inquiry - System supports only up to the arrears
outstanding for the loan account
- Actual lodging is under linked option 6530.

08 1068 Loan Advance -

Supports lodging outward clearing cheques
Payment Inquiry towards advance payment in loan account
- No. of payment '1'
- Payment mode local cheque
- Actual lodging under linked option 6536. Online
option
For instruments lodged through 1065, 1068, 6501, 6511/6512 reversal under 6006
BATCH PROCESSING
09 ST037* Reverse This option is used to reverse authorized batches for
Authorized any reason
Batches

10 5514 Change Data Entry For assigning inward/outward incomplete clearing

Batch User batches to another Teller by Supervisor only.
II. LATE MARKING/CLEARING CUT OFF of CLEARING ZONES
Cheques booked after late marking for each clearing type are treated as if they were posted
on the next working day
11 7120 Late Clearing STM63 to be run before 7120
(a) Maintenance Each clearing type should be marked.
For Late Marking done in 7120, reversal is possible
through 6006 (Search Electronic Journal) by
supervisor only.

(b) STM63* Late Clearing For Branches where Extension Counters have not been
Marking provided with MICR code by RBI, clearing instruments
Maintenance to be lodged by the main branch before late marking of
main branch clearing.
Reversal of STM63 is not possible.
* OPTIONS ST037 & STM63 ARE TO BE USED WITH CAUTION
III. OUTWARD CLEARING PROCESS FOR EACH CLEARING ZONE
12 ST023 Outward Clearing - This has to be run for each type of clearing
after late marking.
- This can be run any number of times
- Unclear balance will appear in the respective
accounts after running this option

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 FCR MADE EASY
CLEARING/OCC/CDB
IV. DATA EXTRACTION & GENERATION OF FILES REQUIRED FOR ENCODING
13 ST637 Outward Clearing 7775-ST637-7778 take it in a floppy
report ACH hands-off (HTML Format)
V. LCCR GENERATION & PRINTING
14 8317 LCCR Issue System generates LCCR Canara Bank NCBS LCCR GL
170000010
15 5525 Remittance Printing Select LCCR & print-If inventory available for user
VI. MARKING OF RETURNS
16 6560 Return of Outward Outward clearing returns are to be invariably entered in
Clearing this option. Otherwise, at the time of subsequent
Instruments lodging of the same instrument, Duplicate Instrument
Cir 45/2012 message will appear.
- Cheque number (12 digits), Routing number(9
digits), Drawer Account number (14 digits),
Transaction Code (2 digits) Cheque literal &
reject reason to be entered
- All cheque returns should be done before
running ST001. After running ST001, 6560
cannot be used.
VII. VALUE DATE PROCESS - Option available to supervisor
17 ST001 Value Date Clearing - Ultimately releases the funds to the customer
Process (regularization of unclear funds)
- Value date should be changed. By default it is
BOD
- Pending Value Date can be inquired in BA990
If this option is not run, system regularizes at EOD.
Minor Subsidiary GL credits will not be regularized
VIII. INQUIRY OPTIONS
18 6006 Search Electronic 1. To know the details of instruments lodged under
Journal online option like 6501, 6520, 1065, 1068, 6601 etc
2. To reverse the entries made through online options
and reversal of late marking done through 7120
19 5515 Batch Status To know the total of outward clearing lodged under
Inquiry batch data entry options like 5506, 6512, 6602
20 STM62 Late Clearing To know whether the branch has late marked Clearing or
Marking Inquiry not for various clearing types.
21 ST002 Inquiry on Value To know whether branch has run value date during a
Date Clearing particular date or run multiple times
22 BA990 Clearing Status To know Pending processes for inward, outward clearing,
Inquiry value date and voucher entry details.
This has to be checked before Branch Batch Closure

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 FCR MADE EASY
CLEARING/OCC/CDB
23 ST066 Cheque Status Supports cheque status inquiry based on Cheque number,
Inquiry CASA account number or GL number
IX. OTHER CLEARING OPTIONS
24 ST061 Float Extension Float (Extension) is the value date on which the clearing
credit can be regularized. Permits extending value date
for an instrument lodged.
After entering Routing number, Instrument number,
Drawer account number, enter float days to be
extended.
New value date details can be checked in CH031 for
CASA
25 ST072 Global Float Used to change the value date for all instruments
Extension either by Self Branch, Bank & End point or Bank &
Branch of a particular Bank
IMMEDIATE CREDIT
26 ST060 Immediate Credit Credit to the customer against clearing instruments
lodged, authorized & submitted under 6501 or 5506
(only after running ST023) and instruments are
presented in Clearing House.
After entering Routing number, Cheque number (12
digits), Drawers account number (14 digits) system will
populate other details click ok and authorize locally.
Funds will be automatically be available in the account
for which an instrument was lodged.
INWARD CLEARING
27 5521 Batch Inward For booking/lodging of inward clearing cheques
Clearing Cheque individually or through file upload
Data Entry - After clicking on Populate Account Number
system will fetch account number matching with
the cheque number. If more than one account
number is having the same cheque number,
system will leave the account number field blank.
- If account number is entered externally, do not
click on Populate Account Number
- Payees name and instrument date to be filled up.
- Verification by Supervisor under same option.

(IO/09/2010)
Instruments drawn by Exchange Companies/Banks
under Rupee Drawing Arrangement and received in
clearing can now be entered through 5521 option:

Type: Dividend Warrant.

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 FCR MADE EASY
CLEARING/OCC/CDB
Account Number: FBK Code
Customer Name: Name of Exchange House is displayed
Cheque No: RDA Instrument Number
Amount: Populated by the system basing on the
Instrument Number.
If found to tally with the instrument on hand, enter
Date: Date of instrument
Payee name: Name of Payee

Data Entry Batch has to be authorized by a supervisor.

When authorized, system holds the amount in the
account for which cheque has been lodged if balance is
available. Can be view through 7002. System will also
generate a batch number for inward clearing which is
used in option ST032.
28 ST032 Authorize Inward Very Important: Available to Supervisor.
Clearing Batches

29 ST033 Inward Clearing - Available to the supervisor

Process - System debits (passes) all operative/regular
accounts where balance is available and cheques
are in order (viewed in ST035) and remaining
rejected (viewed in ST034)
- Whenever the supervisor authorizes,
rejects/returns an instrument in ST034, running
ST033 is necessary.
- Can be run any number of times

30 ST034 Scanning of - List of rejected instruments are displayed

Rejected - The instrument can be authorized if rejected for
Instruments reason of funds insufficiency.
- If rejected for reason of cheque not issued,
first cheque is to be issued in CHM37 without
Inventory required entire series to be
specified. Supervisor to authorize under ST034
- After this, ST033 to be run to debit the
accounts
- Remaining instruments will be available in ST034
which will be included in MICR Returns Outward
Clearing type by default
- In outward clearing module, run 7120 & ST023
31 ST035 Scanning of Passed - List of passed instruments
Instruments - If the supervisor wants to reject /return a

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75
 FCR MADE EASY
CLEARING/OCC/CDB
passed instrument, it can be done in this option
by selecting proper reason from pick list
32 ST033 Inward Clearing Once rejected instruments passed under ST034 or
Process passed instruments are rejected under ST035, ST033
is to be run again to effect the authorization in the
system

33 7120 Late Clearing These two programs are to be run for Inward Returns
Maintenance processed under MICR Returns Outward Clearing type
34 ST023 Outward Clearing
OCC- OUTWARD CHEQUES FOR COLLECTION
35 6566 OCC Batch Data 1. CBS branch has to lodge OCC instruments on
Entry Accounts Section/Main branch only as
Destination Branch.
2. Mark CBS-OSC on such covering
schedule/instrument and send the same to
Account Section/Main Branch only
3. Destination branch has to handle the instruments
in CBS module only through 6806 and Teller has
to select OSC Clearing as Clearing Type
Lodging /Booking of Cheques Other than FOSC
A. On outstation CBS/Non CBS/Other Bank
Branches:
Action: From Pick list open data entry batch
Batch No> Populated by the system
Deposit Branch: From drop down list
No of instruments: Up to 100 cheques in a batch
Based on this field selection, number of rows with serial
number, OCC serial number is populated.
Cir 45/2012 SC Amount: A dialogue box has been provided which
contains additional modifiable fields like postal charges,
commission & service tax.
Routing No/MICR Code:
(a) For Non CBS branch/Bank:
PSB/RRB (Amt < = 10000) 999902902
PSB/RRB (Amt > 10000) 999904904
PVT/SCH (Amt <= 10000) 999901901
PVT/SCH (Amt > 10000) 999903903
(For more, please refer Guidelines 38/07)
(b) For CBS Branch, actual Routing Number (MICR
CODE) printed on the instrument.
Drawers Account: Actual appearing on the cheque

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 FCR MADE EASY
CLEARING/OCC/CDB
Correspondent Bank Flag : To be ticked only if the
instruments are sent to other Bank.
For CBS branches, SHOULD NOT be ticked
Correspondent Bank: To be picked depending on
Bank/Amount/Days
(For Other Bank)
Dispatch Branch: From pick List (own branch)
Destination Branch: If sending to CBS branch only
Transit Period: To be selected from Pick List
depending upon place 10, 14, 30 days.
System calculates interest on delayed collection based
on the transit period selected. (For 30 days transit
period, ZERO Interest Code is attached.)
Cash letter Ref No: Leave blank
GL/Customer Name: By default
Remarks: If any
Address 1: Details of the Bank to whom the instrument
is being sent. 'TO' address in OCC Schedule
Address 2: Details of Bank to which the instrument
belongs.
SAVE Validate, Authorization by supervisor.
Modification/Reversal of Batches By specifying the
appropriate action from Pick List.
Deletion of records: Reopen the batch, select the
record to be deleted, go to the end of the row and pick
the 'Del' box and click on the delete button at the
bottom.
B.FOSC - On CBS FDs:
NOTE: For all instruments to be lodged through
6566, Currency should be same (e.g. $), Instrument
type should be same (e.g. Cheque) and Correspondent
Bank should be same.
All fields as explained above.
Correspondent Bank flag should be ticked and
appropriate Bank should be selected from the Pick List.
e.g. USD CONVCBS/CONVNCBS
FC to be selected for FOSC
If instrument type is Travelers cheque, additional
details are to be filled in the Pop up Screen.
Transit Period: For FOSC, 30 days to be selected
Cash letter Ref No: Should be blank

COMPILED BY COMPUTER LEARNING CENTRE, STAFF TRAINING COLLEGE, BANGALORE

77
 FCR MADE EASY
CLEARING/OCC/CDB
Dispatch Branch: CBS branch reporting to a CBS FD,
that FD should be selected as the Dispatch Branch if
Bangalore FD, then DP Code 599
Select appropriate data in the field RBI Purpose
Code.

Cash letter Ref No: Entered in case of Foreign

Currency instruments being sent to our correspondent
bank abroad

The CBS branch only needs to lodge the FOSC in 6566

and authorize the records. Branch has to furnish the
following details to CBS FD:
Deposit Branch, Batch Number, Instrument type,
Correspondent Bank Code and Serial number.

IMPORTANT
Service Charge on F C Instruments (FOSC):
System displays SC as applicable to domestic
instruments. At the time of lodging the instruments,
the SC displayed in the pop-up has to be changed as
applicable to FC instruments at present it is 0.25%
of the INR converted amount of the instrument. Also,
applicable Service Tax has to be collected.
The values so calculated have to be entered in the
relevant fields after deleting the entire values
displayed earlier by the system. Click on the Save
button before exiting the pop-up window (Guideline
56/2008).
OCC OPERATIONS
36 6806 Cheque Collection (Guidelines 38/07, 84/07, 27/08)
Processing Maker Checker facility has now been provided in Action
Field -Add, Cancel, Auth
(1) Dishonor OCC Corr Bank items: This option is used
for dishonoring the items sent to Correspondent Bank.

In case of CBS Branch, the destination branch will

dishonor through 6560 option at their end. Lodging
branch need not go for 6806 for dishonor of the same

(2) Dispatch Schedule: (Mandatory) Teller has to select

Add button from Pick List and click on 'Fetch' button to
get the details of the instrument lodged. Click on

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 FCR MADE EASY
CLEARING/OCC/CDB
Process box to mark dispatch, OK.

Dispatch Schedule to be generated through 7775-

ST212-7778
(3) Mark Collection Items: This option is meant for
Drawee CBS branch when the instruments are sent for
collection. Teller to use Add option, Fetch records,
select the instrument received to mark for the day's
clearing
Teller to select the clearing type. On running the
Outward Clearing process at the receiving branch, the
item gets reflected in the passbook/pass sheet of the
depositor.
The credit will be released to the respective accounts
on running ST001 (value date process) by the receiving
CBS Branch

Dispatch Branch has to generate report ST219 daily

to know the realization status of the OCC lodged.

(4) Reject Inquiry: If the system has rejected any

transaction under OCC Operation, it displays the reject
reasons under Dishonor, Dispatch, Mark, Realize,
Reverse Dispatch etc.
Cir 45/2012 (5) Realize OCC Corr Bank Items: When an instrument
is sent to other Banks/RRB the lodging branch receives
DD which is to be lodged under 6520, credit to
209272380. After that realization under 6806.

(6) Reverse Dispatch Schedule: Teller can reverse the

dispatch done for any instrument lodged by selecting
Add button from pick list.
(7) Authorization of OCC Operation: Supervisor to opt
for 6806, select the action 'Auth' from pick list.
System displays the list of instruments to be authorized
by the supervisor. Click OK
B. For FOSC instruments sent to CBS FD:
6806 need not be visited.

Dispatch, Realization/Dishonor of the instrument is

done by CBS FD and not by the CBS Branch. to be
conveyed to CBS FD along with instruments

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79
 FCR MADE EASY
CLEARING/OCC/CDB
CBD/FCDB
CHEQUE Purchase may be of two types:
(I) Local Cheque Purchase Against outward clearing lodged through 6501/6512/5506
etc. Then ST023
(II) Outstation Cheque Purchase against OSC/FOSC lodged under 6566 and 6806.
(Dispatch schedule)
Before purchasing a cheque, Cheque Purchase Limit should be maintained.
37 CHM47 Account Cheque Teller under ADD Mode:
Purchase Limit Account Number: CASA
Maintenance Limit Amount: Equal to cheque amount in case of non
sanctioned limits
Limit Start Date & End date: Date of maintenance for
non-sanctioned limits
Available in %: Always keep 100%
Authorize under the same option.

38 ST070 Cheque Purchase Select Tab: Local Cheque Purchase or Outstation Cheque
Purchase depending on instrument lodged
- Mark Cheque Purchase button
- Enter Account Number
- Pick OCC/Clg cheque lodged from web page
dialogue
- Limit and instrument details defaulted
- Specify the purchase details
- (a) TCY Amt Cheque amount
- (b) Int Days No of days for interest to be
collected
- (c) Int Variance: if any
- System populates total interest which can be
rounded off to the next higher rupee under TCY
Int Amt field OK
- Authorize locally. System populates purchase Sl
No. with Running Serial Number like 1,2,3,etc.

7775 ST646 7778: Balancing of CDB

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80
 FCR MADE EASY
CLEARING/OCC/CDB

WORK FLOW OF OUTWARD CLEARING

OUTWARD CLEARING DATA ENTRY / UPLOAD
Sl No Option Purpose By whom Remarks
1 5506,6501 Open teller batch and enter the data. After
6512,6520 entering the data save & validate the records.
Teller STEP 1
1065,1068
1072
2 ST6002 Outward Clearing batch wise instruments details
Teller STEP 2
(report) (before authorization by supervisor)
3 5506,6501 Authorize the validated batch
6512,6520
Supervisor STEP 3
1065,1068
1072
4 ST6002 Outward Clearing batch wise instruments details
Teller STEP 4
(report) (after authorization by supervisor)
The above report will store the user id of teller and supervisor who have done the batch data
entry. The same will not be available once EOD is over. So branches have to generate and
preserve the same daily without fail.
5 7120 Late marking - select the respective clearing type
Supervisor STEP 5
(cut off)
6 After running 7120 if any cheques are lodged,
the instruments will go to next days clearing
without giving any message. So before running
7120 supervisor should confirm whether all
instruments pertaining to that day are lodged.
7 ST023 Run outward clearing process
Supervisor STEP 6
System will keep the credit as un-cleared balance.
8 ST038 Cheques sent in outward clearing
Teller STEP 7
(report)
9 8317 Raise LCCR/BAR
8423 Dr 170000010/BAR GL Teller STEP 8
Cr 170000020
10 ST637 Floppy to clearing house (only for MICR centre)
Teller STEP 9
(report)
11 ST900 Floppy to clearing house (for MMBCS package)
Teller STEP 10
(report)
12 ST605 Outward clearing bank wise, instrument wise totals
Teller STEP 11
(report)

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81
 FCR MADE EASY
CLEARING/OCC/CDB
13 ST623 Outward clearing consolidated bank wise totals
Teller STEP 12
(report)
OUTWARD CLEARING RETURNS
1 6560 Online cheque return - enter the cheques to be
Teller STEP 1
returned
2 4500 Authorize the cheque returns
Supervisor STEP 2
4503
3 4502 Submit the transaction authorized by supervisor Teller STEP 3
4 ST999 Outward clearing cheque returns report
Teller STEP 4
(report)
5 1005 Responding LCCR/BAR
Dr LCCR 170000020 Teller STEP 5
Cr 170000010/IBA
6 ST001 Value dating/regularization of clearing by giving the
correct value date (select the respective clearing
Supervisor STEP 6
type).
The un-cleared balance will be cleared by system.
All outward clearing reports to be generated daily without fail as the same will not be available
for back dates
Wherever branches are attached to LPC, reports should be generated by the respective
branches for their record purpose and for future reference also.
REPORTS AVAILABLE UNDER WEBI (BUSINESS OBJECTS) ARE AS UNDER:
120040_Daily_Statistics_of_Clearing_transactions_Staffwise
120020_LCCR GL Details for a period
124703_GL_Tallying_Reconciliation_Report

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 FCR MADE EASY
CLEARING/OCC/CDB

WORK FLOW OF INWARD CLEARING

INWARD CLEARING DATA ENTRY / UPLOAD
Sl No Option Purpose By whom Remarks
1 5521 Open teller batch and enter the data. After Teller
entering the data save & validate the records.
STEP 1
5521 If data received in soft copy, open teller Teller
batch and load the floppy received from
clearing house, save & validate the records.
2 ST6001 Inward clearing batch wise instruments Teller
STEP 2
(report) details (before authorization by supervisor)
3 5521 Authorize the validated batches Supervisor STEP 3
4 ST6001 Inward clearing batch wise instruments Teller
STEP 4
(report) details (after authorization by supervisor)
The above report will store the user ID of teller and supervisor who has done the batch data.
The same will not be available once EOD is over. So branches have to take the same daily
without fail.
5 ST032 Authorize the clearing batches Supervisor STEP 5
6 ST033 Run Inward Clearing Process - actual debit will Supervisor
STEP 6
take place
7 ST661 Consolidated return instruments report to be Teller/
STEP 7
(report) generated (can be used as any funds register) Supervisor
8 ST034 Scan for inward clearing returns (rejected Supervisor
STEP 8
instruments)
9 ST034 If branch wants to pass any returned Supervisor
cheques, authorize the same (process in STEP 9
inward clearing to be selected)
10 ST033 Again run inward clearing process compulsorily Supervisor
if any returned instruments are passed STEP 10
through ST034
11 ST035 Scan passed instruments (returning of any Supervisor
passed instruments) - once returned through STEP 11
this option the same cannot be passed again.
12 ST639 Inward clearing summary Teller
STEP 12
(report)
The above report will store the user ID of supervisor who has permitted TOD for passing the
rejected instruments through option ST034. The same will not be available once EOD is over.
So branches have to generate and preserve the same daily without fail.

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 FCR MADE EASY
CLEARING/OCC/CDB
13 1005 Responding LCCR/BAR (for full amount) Teller
STEP 13
Dr LCCR 170000020 and Cr 170000010/IBA
INWARD CLEARING RETURNS
1 7120 Mark late clearing for returns Supervisor STEP 1
2 ST023 Run Outward Clearing Process for returned Supervisor
STEP 2
instruments
3 ST661 Consolidated return instruments report to be Supervisor
(report) generated (now system shows only returned STEP 3
instruments)
4 8317 Raise LCCR/BAR Teller
8423 Dr 170000010/BAR GL STEP 4
Cr 170000020 (for returns)
All inward clearing reports have to be generated daily without fail
Wherever branches are attached to LPCs, they should generate the respective reports for
their branch. This is for their records and for future reference also.

REPORTS AVAILABLE UNDER WEBI (BUSINESS OBJECTS):

ST639_Inward Clearing Activity_Summary For Archival Period
124703_GL_TALLYING_RECONCILIATION_REPORT
120020_LCCR GL Details for a period
120040_Daily_Statistics_of_Clearing_transactions_Staffwise

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 FCR MADE EASY
REMITTANCES
CIR 142/2013: Issue of Non CBS DDs disabled. Option 8323 disabled. For paying any
outstanding non CBS DD, branch should claim the amount from HO IBAR & DDR Section as
per specified format through official email id of the branch. IBA will be generated by HO
IBAR & DDR Section and can be viewed thru ST074.
01. Issue DD PO GC/TC
Against Account CASA Issue of free DD to eligible SB 1014 1010
Gift
account holders
Cheques
Against Cash(Walk-in Customer) 8305 8301
Withdrawn
Against GL 8306 8302
02. Payment/Liquidation (Cancellation/payment/ refund) 8310 8307 8003 Cash
1409 A/c
Guideline 30/2011
DD drawn on Main Branch or Accounts Section may be paid by any
branch located in that centre through 8310 option.

BA DDs Paid GL 123500110 should not be debited for such

transactions

DD Cancellation/Refund should be exercised at the DD Issue

Branch only
03. Remittance and printing 5525 5525
Teller cannot reverse the printed DD. This has to be cancelled and issued
fresh. Before print can be reversed using 6006
04. Duplicate print 7783 7782
Duplicate DD can be printed at Issue Br only when the DD
Issued to CBS to CBS and after the status is marked as LOST.
For Non CBS Br to be cancelled and fresh issued.
05. Status enquiry (Lost Status update) 8315 8314
DD marked as LOST in 8315 cannot be issued, if marked as
CAUTION it can be issued
06. Revalidation 8325
08. Consolidated DD/PO issue 5511 5511
System calculates Service Charges, Commission and Sertax and credits
respective GL heads which is not modifiable. Payees Bank and Branch Code
can be entered directly. Beneficiary field can contain up to 120 Characters
09. Remittance enquiry ST074 ST074 ST074
10 T C Balancing 6203

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 FCR MADE EASY
REMITTANCES
PAYMENT OF ISNTRUMENTS UNDER RUPEE DRAWING ARRANGEMENT
(IO/09/2010, IO/94/2010)
EXCHANGE HOUSES WHO ARE PROVIDING ISSUE DATA
Sl FBK Exchange House/bank
No Code
01 049 AL RAZOUKI INTERNATIONAL EXCHANGE CO
02 079 LAXMIDAS THARIA VED EXCHANGE CO
03 080 UAE EXCHANGE CENTTRE LLC
04 141 AL FARDAN EXCHANGE CO
05 148 AL ROSTAMANI INTERNATIONAL EXCHANGE
06 149 EASTERN EXCHANGE ESTABLISHMENT
07 160 BAHRAIN EXCHANGE CO
08 161 AL AHALIA MONEY EXCHANGE BUREAU
09 162 DOLLARCO EXCHANGE CO
10 164 BAHRAIN FINANCING CO
11 166 AL ANSARI EXCHANGE ESTABLISHMENT
12 171 UAE EXCHANGE CENTRE WLL
13 173 OMAN & UAE EXCHANGE CENTRE
14 174 BAHRAIN INDIA INTERNATIONAL EXCHANGE CO
15 106 MUSANDAM EXCHANGE
16 167 HABIB EXCHANGE CO LLC
17 134 ZENJ EXCHANGE CO WLL
18 138 KUWAIT BAHRAIN INTERNATIONAL EXCHANGE CO

Sl Fast Description Utility/Remarks

No Path
01 8326 D W Liquidation For payment by credit to GL:
Inquiry Liquidation Mode: Payment
Serial No: RDA Cheque Number
Lot Number: Foreign Bank Cod Number

Click on OK. Instrument details are populated. On

confirmation, field for entering GL Code is enabled.

02 8327 D W Liquidation For payment by credit to CASA

Inquiry Liquidation Mode: Payment
Serial No: RDA Cheque Number
Lot Number: Foreign Bank Cod Number

Click on OK. Instrument details are populated. On

confirmation, field for entering CASA number is
enabled.

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 FCR MADE EASY
REMITTANCES
03 ST071 DW Status Issuer Code: RDA DD BANK/ RDA DD EXCH CO
Maintenance Lot No: FBK Code
DW No: RDA Instrument Number.
Click on the Pick List. Instrument details are
populated.
New DW Status: Reissue/Lost/Reval.
Lost status can be marked by any Branch and VOSTRO
Section.

Reissue/Reval can be done by Home Branch (VOSTRO)

only.

04 ST074 Remittance Type: Dividend Warrant (DW)

Inquiry Issuer Name: RDA DD BANK/ RDA DD EXCH CO
Select By: If Issue Branch, select VOSTRO Section DP
Code
If Payee Branch, select Drawee Branch Code
Date from: & Date to: Maximum one month range
Serial No: If Lot Number is given, data is selected for
that Exchange House/Bank only.

05 BA450 Generic External 1. GEFU file has to be created in EXCEL format with
File Upload System Code as DWL
2. File created will be placed in the Server by TM
Section.
3. Uploading through BA450
06 BA110 7775-7778 Report on Accepted Entries

07 BA111 7775-7778 Report on Rejected Entries

Following reports are available to Branch/VOSTRO Section:

7775-7778
ST227 Instruments Paid
ST229 Stop Payment Marked Instruments
ST232 Stale Instruments Outstanding
ST233 Outstanding Instruments

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 FCR MADE EASY
HEAD OFFICE/BAR
CIR 138/2013: Issue of Non CBS IBA disabled. Option 8423 disabled for maintaining non
CBS IBA. For paying any outstanding non CBS IBA, branch should claim the amount from
HO IBAR & DDR Section as per specified format through official email id of the branch.
IBA will be generated by HO IBAR & DDR Section and viewed thru ST074.
GENERATION OF IBA
01 8416 Generate IBA Debit Cash credit HO (Cash Bars)
against Cash

02 8417 Generate IBA Debit GL credit HO (Remittance of Sertax)

against GL

03 8418 Generate IBA Debit CASA and Credit HO

against Account

04 5512 IBA Batch Type: IBA issue against multiple accounts

Issue/Responding Action: Open Data Entry Batch
with Multiple No of Accounts/GL: No of accounts /GL to be debited
Accounts Bank Code: Select Appropriate Code from pick list
(Guideline 74/08) Payable/Issue Branch: Responding Branch DP Code
Total IBA Amount: IBA Amount
Acct Currency: INR
Beneficiary Name: Enter IBA description
Beneficiary Address: Enter IBA details
Transaction Narration: Modifiable field
Transaction Code: HO transaction code from drop down
box.
Upon clicking on OK button, system will make available
that many numbers of rows as entered in No of
Accounts/GL field.
Account Type: GL or CASA Account
Account No: CASA Account
Cheque No: Number/Blank if against debit slip
Amount: Exact amount to be debited to account
Save & Validate. Officer to authorize selecting option
thru Action. IBA number is generated after
authorization. Printing through 5525
RESPONDING OF IBA
05 8419 Respond When IBA is Received from CBS Branches.
IBA/Generate Select Payment Mode.
BAR Inquiry Instr Type: IBA
Liquidation Type: From dropdown list. Depending on the
selection, FP8420/8421 is made available.

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 FCR MADE EASY
HEAD OFFICE/BAR
RESPONDING OF BAR:
HO Cir 559/2013 Payment Mode: Payment
Instr Type: BAR
Mode of BAR: Payment of BAR
Serial No: Enter 12 digit BAR Number or select from Pick
list
Liq Type: Select from dropdown list. Depending on the
selection, FP8420/8421 is made available.
06 8423 Maintain BAR ISSUE:
IBA/BAR issue Non Financial: Generates BAR Number (Financial
through 8419)
For the benefit of Designated CBS branches (B Category)
and Foreign Departments, GL Code 123501060 BA BAR
on FD/ID has been made available. While raising BAR on
FD/ID, designated branches have to select Bank Code BA
BAR on FD/ID. Partial responding of the BARs raised
thru this option is possible (Guideline 60/08)

07 5512 IBA Batch Type: IBA responding against multiple accounts

Issue/Responding Action: Open Data Entry Batch
with Multiple No of Accounts/GL: No of accounts /GL to be credited
Accounts IBA Serial No: 12 digit CBS number. If non CBS,
(Guideline 74/08) maintain thru 8423 and then respond.
Bank Code: Select Appropriate Code from pick list
Payable/Issue Branch: Originating Branch DP Code
Total IBA Amount: IBA Amount
Acct Currency: INR
Beneficiary Name: Enter IBA description
Beneficiary Address: Enter IBA details
Transaction Narration: Modifiable field
Transaction Code: HO transaction code from drop down
box.

Upon clicking on OK button, system will make available

that many number of rows as entered in No of
Accounts/GL field

Account Type: GL or CASA Account

Account No: CASA Account
Cheque No: Number/Blank if against debit slip
Amount: Exact amount to be debited to account
Save & Validate. Officer to authorize selecting option
thru Action (Guideline 74/08).

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 FCR MADE EASY
HEAD OFFICE/BAR
IBA Effective 22.06.2011, IBAs need not be printed. BAR (except CASH BAR) -
Effective 28.10.2013, BARs need not be printed. They are to be responded after
confirming through ST074. BO Report 124910 is available.
08 5525 Remittances Printing of IBA/BAR/LCCR/DD/Pay Order by selecting
Printing appropriate 'Payable Bank' Mode

09 Duplicate IBA: When original IBA issued prior to CBS:

To be issued manually by adjusting inventory under IV002

10 7784 Duplicate IBA For issuing duplicate IBA generated by CBS Br. after
Print enquiring under ST074 and print through 5525. No
report is available for Duplicate IBA issued.

11 ST074 Remittance IBA Status enquiry based on Instrument type, Issuer

Inquiry Code, Issuer Payee Br, Date from and to (maximum of 30
days), Instrument Status Paid, outstanding or all, FC
Serial No. Instrument Inventory No and Print Status.
Double Clicking on each row populates the details of
the relevant entry.
Please Note: 1. The IBA number consists of 12 digits. IBA Narration - minimum 2 lines
mandatory. HO transaction code from list, Cheque no as 000000000 (9 zeroes) if debit slip is
used.

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 FCR MADE EASY
NEFT/RTGS
STRAIGHT THROUGH PROCESSING OF NEFT
01 8335 Multiple DO NOT use SFMS for creating outward message
Customer Debit DO NOT use the incoming message report from SFMS to
Messages give credit or return the message
DO NOT debit HO Clearing Section Mumbai to credit
the customer account.
In Straight Through Processing (STP) system verifies
the 13 digit account number. If this is wrong,
message will be returned.

Message is CREATED by Teller and Verified by a

Supervisor.

Batch Operation: Batch Open

Batch No: Populated by System
Batch Currency: INR
Network Product Code: a. N06(NEFT OUTWARD)
b. N06_WALKIN
(HO Circular c. NEFT_NEPAL
321/2011) d. NEFT_GL
Message Type: N06
Payment Mode: CASA or CASH

If CASA, Account No. field is highlighted.

Total Debit Amount: Enter total debit amount
Total transactions: Enter number of transactions
SC Amount: Calculated by the system and automatically
debited to the account
For cash transactions, SC amount + Total Debit amount
should be collected.

CHEQUE PAYMENT TAB

Cheque No: Enter cheque number
Cheque Details: Enter details, SAVE

REMITTANCE DETILS TAB

Senders IFSC: Your branch IFSC
Service Centre Branch: CNRB0MUMCLG
(HO Cir 104/10) Ordering Customer: Details of the remitter
Mobile No: Defaulted if available in CIM09
E-mail ID: Defaulted if available in CIM09
Else enter here after obtaining from Customer.
Whatever entered here will not percolate back to CIM09.

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 FCR MADE EASY
NEFT/RTGS
Preference is to be given to Mobile Number. If customer
is not having either, enter branch e-mail ID.
SAVE

TRANSACTIONS DETAILSTAB
Account Type: From available option CREDIT CARD
payment now enabled.
Transaction Amount: Total Debit Amount, if transaction
no. = 1
Enter Beneficiary Name, Receivers IFSC, Address of the
beneficiary and narration.
SCROLL DOWN, Click on SAVE.
Click on RELEASE.

MODIFICATION; (of Beneficiary details possible only

before authorization)
Batch Operation: Modify.
Double click on the desired Transaction, modify, save and
RELEASE.

REVERSAL: (of the Batch is possible only before

Authorization)
Batch Operation: Batch Reversal.
Select the Batch to reverse and click OK.

INQUIRY: All incoming and outgoing transactions can be

inquired through this option.
Batch Operation: Batch Inquire.

SUBMIT FOR AUTHORIZATION:

Batch Operation: Submit for Authorization.
Transaction must be submitted for authorization on the
same day.
Select the Batch and click OK.

AUTHORIZATION:
All transactions initiated must be authorized on the
same day.
Batch Operation: Batch Authorization.
Batch No: Click on the pick list. All pending batches are
displayed. Click OK.
02 PM09 Outward Query Parameters:
Message Inquiry Network ID: NEFT-NEFT

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 FCR MADE EASY
NEFT/RTGS
03 PM10 Message Browser Action: Outbound/Inbound
Posting Date:
Branch Code: In case of Net Banking remittances, branch
code is 9999.

04 PM11 Inward Message Query Parameters:

Inquiry Network ID: NEFT-NEFT
Report ID BA121 is available through 7775 for NEFT transactions for a given date.
OPERATING RTGS IN CORE BANKING
RTGS is accessed through: http://172.16.37.207/corporatedev/CorporateLogin.html
- Three types of users: Initiator, Authorizer and Releaser
- ` 100 Crore and above two authorizations are required
- Releaser is required if the amount is above ` One Crore
- 6 digit User-id is created for the identified Users
- Login through SFMS/Smart Card/E-Token is not required
05 INITIATE CUSTOMER PAYMENT: (298R41)
(Mandatory fields are indicated with an *)
HEADER:
Receiver Address: Select Receiver IFSC through Look
Up
TRANSACTION:
Account Type: Select Customer, if Debit to account
Enter Account Number, Cheque Number if any,
Transaction Amount
OTHER:
Enter the following details:
Ordering Customer, Beneficiary Customer Account,
Beneficiary Customer Details, Payment Details, Sender to
Receiver Information, if any.
Account with Institution: Is defaulted to 6516 for
298R41
CLICK on Initiate.
System will display all information for final confirmation.
CLICK on Confirm.

INITIATE BANK PAYMENT: (298R42)

(Mandatory fields are indicated with an *)
Enter Related Reference Number.
Receiver Address: Select Receiver IFSC through Look
Up
TRANSACTION:
Account Type: General Ledger

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 FCR MADE EASY
NEFT/RTGS
Enter Account Number, Transaction Amount
BENEFICIARY INSTITUTION:
Beneficiary Institution is defaulted to 6521.
Beneficiary Institution Code through Look Up.
Code: CREDIT
Beneficiary Institution Details
Sender to Receiver Information
CLICK on Initiate.
System will display all information for final confirmation.
At this stage, it is possible for the initiator to change the
details entered before finally confirming by opting for
Change.
CLICK on Confirm

AUTHORIZE :
Login as Authorizer.
Click on Pending Authorization - Screen will show
Interbank payment and Customer Bank Payment.
Click on required type.
Search Criteria is enabled. Select using the search
parameters.
Unique Transaction Reference (UTR) with link is
displayed. Click on the desired number and the
transaction is displayed. Authorize, Reject, cancel are
enabled. Check and if OK click on Authorize.

MODIFY OUTGOING CUSTOMER PAYMENT: (By

Initiator)
Permits modification of a transaction rejected by the
Authorizer.
Click on the option.
Search Criteria is enabled. Select using the search
parameters.
Unique Transaction Reference (UTR) with link is
displayed. Click on the desired number and the
transaction is displayed.
Modify relevant fields. Click on Modify to affect the
modification made.

For modifying Bank Payment, select Modify Outgoing

Bank Payment option form the Menu.
RELEASE PAYMENT: (Only if the amount is One crore
and above)

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 FCR MADE EASY
NEFT/RTGS
Login as Releaser.
Click on Release Payment.
Search Criteria is enabled. Select using the search
parameters.
Unique Transaction Reference (UTR) with link is
displayed. Click on the desired number and the
transaction is displayed. Release, Cancel, Reject is
enabled. Check and if OK click on Release.

STATUS OF THE OUTWARD MESSGES:

1. When Initiated: SEMI AUTHORIZED
2. When Authorized/Released:
Sent to PI
Acknowledge by PI
Rejected by PI
Rejected by RBI
Completed. (Indicates Settlement at RBI).
INWARD Messages are processed automatically. If
received with a valid 13 digit account number, amount will
be directly credited to the account otherwise rejected
and amount will in branch GL209272434
STATUS OF THE INWARD MESSGES:
1. Completed
2. Account Entry Failed (In case the message does
not have 13 digit account format.)

Account Entry failed messages (AFD) can be disposed

through
Rejected Incoming Payments.

If any entry is accepted, the accounting entries have to

be passed manually by debiting SL GL 290272434

If rejected, system will initiate an R42 transaction and

will be automatically sent to the Sender Bank.

PAYMENT OF INWARD R42 MESSAGE:

Credit in respect of inward message will be available in
the Branch SL GL 209272434. Reversal to beneficiarys
account shall be done manually by debiting this GL
RTGS Commission is SYSTEM ENABLED.
Ref HO Cir 24/2012 for Change in Accounting procedure under RTGS - STP
Ref HO Cir 155/2012 Real Time Gross Settlement (RTGS) System Consolidated Circular
Branch GL 209272434 has been included for Pre Branch Batch Closure check.

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 FCR MADE EASY
NET BANKING
NET BANKING & SMS ALERTS
NET BANKING FACILITY - RETAIL
IMB Module is accessed through: https://172.16.37.103:9082/netadmin/AdminLogin.html
- Two types of users: Teller (Creator/Maker), Supervisor (Checker/Authorizer)
- Separate User-id is created for the identified Users with prefixes TEL/SUP
- Activity initiated by a Teller has to be authorized by a supervisor and that initiated
by a supervisor has to be authorized by another supervisor.
- After Login, three TABs are available in the opening page USER PROFILE,
MISCELLANEOUS, PASSWORD.
- Under User Profile, Create User is the default page.

PREREQUISITES IN CBS:
CIM09: Ensure the following:
1. Address in customer data is the same as that given in the IMB application.
2. Telephone, Mobile number and Email ID is provided and updated.
3. Mobile number is entered in Mobile filed prefixed with the number 91 for domestic
numbers and 00 (zero) for international numbers
4. Correct Date of birth is entered in Individual Information TAB.
CH021: Ensure that Net Banking flag is updated in Accounts Detail 2 TAB.

IMPORTANT: Any changes made in this module will not percolate back to the CBS module.
NO SPECIAL CHARACTERS ARE TO BE USED IN ANY OF THE FIELDS
TELLER ACTIVITY IN USER PROFILE TAB
01 Create User Base User Type: External
User Type: Retail
Search Criteria: Search on Primary Customer ID only (CBS
Customer ID). Click on Search.
Customer ID along with the name of the customer is displayed.
Select the Customer ID and click on Next.
Customer Profile as available in CIM09 is populated.
Fields denoted with * are mandatory.
HO Cir 238/2013 User ID: Three preferred IDs have to be provided by the
Customer at the time of requesting for net banking facility
Accepted ID must be informed to the Customer. If the
customers choice is already existing in the system, branch has
to create an ID and inform the customer accordingly
Nick Name: Enter the Branch Name.
Salutation: Mr./Mrs./Ms etc
First Name: First Name/Full Name of the customer.
Last Name: Last Name/Surname/Initials.
(In migrated accounts, this may not be so available. In such
case, delete the last name/surname/initials part from the first
name field and enter the same in this field.)

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 FCR MADE EASY
NET BANKING
Mailer Assignment: Mailer Assigned/Mailer Not Assigned to
be selected appropriately if welcome kit is given
Mailer Number: As appearing on the welcome Kit
Ensure that City, State, Country and Zip (PIN Code) are
displayed in the relevant fields. If not modify them.
Phone: Enter land line number
Mobile Number: Enter Mobile number with country code 91 for
India or 00 for abroad
Email: Enter the email ID.
Date of Birth: Ensure correct date of birth is displayed.
Choose Channels to be granted: Internet Banking is checked
by default. Do not change.
Choose User Control data: Do not make any changes here.
Click on Next. Roles data page is displayed.
Select Roles for Retail Application

ALL FACILITIES
ASBA
ALL RTGS TRANSACTIONS
DEMAND DRAFT
FOR PAYMENT OF INDIRECT ETAX
FUNDS TRANSFER WITH TAX PAYMENT
INQUIRY WITH ALL TAX PAYMENTS
ONLY INQUIRY WITHOUT TAX PAYMENT
NEFT FUNDS TRANSFER
STANDING INSTRUCTION

All facilities should not be attached to any user.

Click on Next.
Verify data page with the profile created is displayed. If
OK, click on Confirm.

02 Modify user/ Search on Customer ID and select the ID. Details are
Delete user displayed. Modify or delete. To be authorized by the
supervisor.

03 Lock user Enables locking a User at his requests or when Bank wants to
suspend the activity of a customer in his account.

Search on Customer ID and select. Upon display of the ID,

click on Lock.

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 FCR MADE EASY
NET BANKING
04 Unlock user: For Unlocking of a user locked as in above cases. The system
locks out a customer on three consecutive attempts for login
with wrong password.
Search on Customer ID and select. Upon display of the ID,
click on Unlock. Login PW can be unlocked by the user
through net banking

05 Activate user Activating the user for accessing Internet Banking. To be

done only after the Customer acknowledges the receipt of
PIN mailers sent by DIT and submits the acknowledgement
slip to the branch duly signed
PASSWORD TAB
06 Change Password For changing the password of the Branch user.

07 Reset Password For resetting the password of a customer (retail user). Reset
has to be done against written request of the Customer. If the
customer status is locked at the time of reset, unlock first and
then reset. Fresh PIN Mailer is sent by DIT.

Reset of Login Password option and Unlock User id option is

available to the customer now through net banking login page
MISCELLANEOUS TAB
08 Pending Pending Authorization summary under different activity with
Authorization the number of transactions pending authorization is displayed.
Click on the desired activity. Select the desired record by the
UserID of the teller (Initiator).

09 Alert Registration: This option is available to the supervisor and does not
require authorization.
Select on Customer ID.
User Name and Customer ID are displayed.
Account Number: All accounts under the CBS Customer ID are
displayed in the drop down box. Pick the required account.
DEBIT ALERT: >= 5000
BALANCE ALERT: Currently not available
CREDIT ALERT: >= 5000
Alerts are available through Email and/or SMS. Tick the
relevant boxes.
For SMS alert registration, the customer need not be enlisted under Internet Banking
Facility. It is sufficient if the customers mobile number prefixed with 91(for India) and
00 (Zero for International) is captured in Mobile Field in CIM09

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 FCR MADE EASY
NET BANKING

NET BANKING FACILITY - CORPORATE

IMB Module is accessed through: https://172.16.222.245/corpadmin/AdminLogin.html
- Two types of users: Teller (Creator/Maker), Supervisor (Checker/Authorizer)
- Separate User-id is created for the identified Users with prefix TEL/SUP and
suffix C
- Activity initiated by a Teller has to be authorized by a supervisor and that initiated
by a supervisor has to be authorized by another supervisor.
- After Login, four TABs are available in the opening page CORPORATE ADMIN,
USER PROFILE, MISCELLANEOUS, PASSWORD.

PREREQUISITES IN CBS:
CIM09: Ensure the following:
1. Address in customer data is the same as that given in the IMB application.
2. Telephone, Mobile number and Email ID is provided and updated.
3. Mobile number is entered in Mobile filed prefixed with the number 91 for domestic
numbers and 00 for international numbers
4 Correct Date of birth/Registration is entered in Individual Information TAB.

CH021: Ensure that Net Banking flag is updated in Accounts Detail 2 TAB. Unless this is
done, account will not be available under Get Accounts. NO NEED to mark the account
as Corporate.

IMPORTANT: Any changes made in this module will not percolate back to the CBS module.
NO SPECIAL CHARACTERS ARE TO BE USED IN ANY OF THE FIELDS.
TELLER ACTIVITY IN CORPORATE ADMIN' TAB
01 Download Customer Search Criteria: Search on Primary Customer ID only (CBS
Customer ID). Click on Search.
Customer ID along with the name of the customer is
displayed.
Select the Customer ID and click on Download

02 Get Accounts Search Criteria: Search on Primary Customer ID only (CBS

Customer ID). Click on Search.
Customer ID along with the name of the customer is
displayed.
Click on the Customer ID.
Accounts of the Customer are displayed.
Click on 'Download Accounts'
After downloading the accounts, Customer-Auth Engine
Mapping is enabled. Click on 'Submit'
Customer will be available for user creation once the record
is authorized by the supervisor.

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NET BANKING
TELLER ACTIVITY IN USER PROFILE TAB
03 Create User Base User Type: External
User Type: Group Admin User
Group Business User
Admin User
Business User.
Select Business User

Search Criteria: Search on Primary Customer ID only

(CBS Customer ID). Click on Search.
Customer ID along with the name of the customer is
displayed.
Select the Customer ID and click on Next.
Customer Profile as available in CIM09 is populated.
Fields denoted with * are mandatory.
User ID: Three preferred IDs have to be provided by
HO Cir 238/2013
the Customer at the time of requesting for net banking
facility
Accepted ID must be informed to the Customer. If the
customers choice is already existing in the system, branch
has to create an ID and inform the customer accordingly
Minimum length is 6 and maximum is 10.
Nick Name: Enter the Branch DP Code
Salutation: Select correct type.
First Name: First Name of the customer.
Last Name: Last Name
(Ensure that City, State, Country and Zip (PIN Code)
are displayed in the relevant fields. If not modify
them.
Phone: Enter land line number
Mobile Number: Enter Mobile number.
Email: Enter the email ID.
Date of Birth: Ensure correct date of birth/Registration
is displayed.
Choose Channels to be granted: Internet Banking is
checked by default. Do not change.
Choose User Control data: Do not make any changes
here.
Click on Next. Roles data page is displayed.
Select Roles:
ALL OPTIONS FOR CORPORATE USER
ALL RTGS TRANSACTIONS
INQUIRY WITHOUT DIRECT TAX

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 FCR MADE EASY
NET BANKING
INDIRECT TAX PAYMENT
FUNDS TRANSFER CORPORATE USERS
INQUIRY WITH ALL TAX PAYMENTS
NEFT CORPORATE USERS

Initially, only INQUIRY option to be provided.

Click on Next.
Verify data page with the profile created is displayed.
If OK, click on Confirm.
04 Modify User/ Search on Customer ID and select the ID. Details are
Delete User displayed. Modify or delete. To be authorized by the
supervisor.
05 Lock User Enables locking a User at his requests or when Bank wants
to suspend the activity of a customer in his account.

Search on Customer ID and select. Upon display of the ID,

click on Lock.
06 Unlock User For Unlocking of a user locked as in above cases. The
system locks out a customer on three consecutive attempts
for login with wrong password.
Search on Customer ID and select. Upon display of the ID,
click on Unlock.
07 Activate User: Activating the user for accessing Internet Banking. To be
(Supervisor Activity) done only after the Customer acknowledges the receipt
of PIN mailers sent by DIT and submits the
acknowledgement slip to the branch duly signed.
Required facility can be permitted at this stage by
changing the 'ROLES'
MISCELLANEOUS TAB (Supervisor Activity)
08 Pending Authorization Pending Authorization summary under different activity
with the number of transactions pending authorization is
displayed.
Click on the desired activity Select the desired record by
the UserID of the teller (Initiator)
PASSWORD TAB
09 Change Password For changing the password of the Branch user.
10 Reset Password For resetting the password of a customer.
. Before resetting the password, the Customer has to be
deactivated first by the Supervisor.
Reset has to be done against written request of the
Customer. If the customer status is locked at the time of

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 FCR MADE EASY
NET BANKING
reset, unlock first and then reset. Fresh PIN Mailer is
sent by DIT.
ALERT REGISTRATION IS THROUGH RETAIL USER CREATION PROGRAM
11 This option is available to the supervisor and does not
require authorization.
Select on Customer ID.
User Name and Customer ID are displayed.
Account Number: All accounts under the CBS Customer ID
are displayed in the drop down box. Pick the required
account.
DEBIT ALERT: >= 5000
BALANCE ALERT: Currently not available
CREDIT ALERT: >= 5000
Alerts are available through Email and/or SMS. Tick
the relevant boxes.

For SMS alert registration, the customer need not be enlisted under Internet Banking
Facility. It is sufficient if the customers mobile number prefixed with 91 (for India) and
00 (Zero for International) is captured in Mobile Field in CIM09

DETAILS OF IMB USERS OF A BRANCH: Is available through CANNET

Go to PRODUCTS OTHERS DELIVERY CHANNEL PRODUCTS
USER LINKS IMB CORPORATE
IMB RETAIL USERS.

Report can be generated on DPCD, User ID or Customer ID.

Report based on Customer ID or User ID will give details of that customer only.
Report based on DPCD will give a list of all IMB users of that branch and the following
details are made available: User ID, User Name, Customer ID and Date Created.

IMB application formats also are available in CANNET under Delivery Channel Products

Refer HO Cir 346/2011 regarding funds transfer facility to Corporate Customers

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GENERAL LEDGER

General Ledger (GL)

Direct (Posting) Indirect (system)

Implemented (Pointing) Non-Implemented (Parking)

Exact Matching Multiple Matching

Sl Fast Description Utility/Remarks

No Path
01 1060 GL-Miscellaneous Debit Debit GL and credit Cash (E.g. Payment of Coolie
Against Cash charges, ATM Cash etc)
02 1460 GL-Miscellaneous Credit Debit Cash and Credit GL (E.g. Comm/Sertax on DD
Against Cash issued)
03 1005 Miscellaneous GL Both for transfer from Implemented to Non -
Transfer implemented and vice versa and also from Non -
implemented to Non-implemented GL account transfer.
Used for Multiple matching and exact matching type GL.
04 GLM01 Voucher Entry Implemented to Implemented GL transfer.
For posting single/multiple Debit/credit in GL/CASA.
Max 99 transactions in a batch. Customer a/c HOLD to
be ticked to keep the transaction amount in hold at data
entry level itself.
Recon number is available through Pick list while
adjusting entries towards implemented GLs.
05 1021 TD Payin GL Transfer Debit GL and Credit Time Deposit
06 1008 Miscellaneous Customer Debit CASA credit GL
Debit
07 1408 Miscellaneous Customer Debit GL Credit CASA
Credit
08 9540 Miscellaneous Loan Debit To reverse a wrong Credit in a Loan Account.
09 GLM04 GL transactions and 1. Transaction - To view the GL Ledger
movements inquiry 2. Movement To view total Debit/Credit/ Closing
Balance for a range of dates.
3. Reconciliation To know item wise balance
outstanding for implemented GL.

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REPORTS
REPORTS UNDER CBS

Reports/Statements

Business Objects Application

F C R F C C F R S F C G L

ADHOC BATCH

*FAST PATH FOR FCR

7775 Report request
7778 Advice/Report status inquiry
7780 Advice/Report cancel request
**BUSINESS OBJECTS URL
http://businessobjects:8080/InfoViewApp/logon.jsp
Login canara
Password Canara
Login for branches coming under respective circle
Login can<CO dpcd>
Password can<CO dpcd>

Important reports are available to the Branch through DNS:

http://cbsreports:500/
IMPORTANT: REPORT 280070 Report for Auto NPA Data Cleaning is available in
Business Objects

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REPORTS
CORRECT CLASSIFICATION PLAYS AN IMPORTANT PART IN ANY MIS REPORTING.
BA020 HELPS IN COMPILING AS MANY AS 7 REPORTS, BAM83 IN AS MANY AS 36
REPORTS AND CIM09 IN AS MANY AS 6 REPORTS.

Sl. Stmt No Statement Name

No
Statements dependent on AC002
1 Bal Sheet Sector-wise Asset Classification of advances
Statements dependent on BA020
1 PRR 12 Expiry Date of loan paper /AOD/AOS
2 PRR 33A Statement of LPD accounts
3 PRR 33B Age-wise / Quantum-wise Distribution of LPD accounts
4 PRR 33C Sector-wise classification of LPD accounts
5 PSR 3 BSR III - Advances against selected securities
6 PSR 67 Exposure to Sensitive Sector
7 POR 6 position of claim paid accounts under small Loans Guarantee scheme
Advances supporting Sheet
8 Bal Sheet Agriculture Loan accounts
Return No.23
Statements dependent on BAM83
1 PSR 1 Flash Report
2 PSR 2 Form D - Deployment of Funds to Industries
3 PSR 4 BSR 1A - Accounts with Credit Limit over 2 lacs
4 PSR 5 BSR 1B - Accounts with Credit Limit up to Rs. 2 Lacs
5 PSR 14 Return on Export Credit
6 PSR 19 SGSY Statement
7 PSR 20 Progress Report on SGSY Scheme
8 PSR 21 Special Return on Advances to Agriculture , Other Priority Sector and
Weaker Section
9 PSR 23 Advances to Priority Sector
10 PSR 23A Advances to Priority Sector
11 PSR 29 Agriculture Loan Return (DCB)
12 PSR 32 LBS 3 & LBS 4
13 PSR 33 LBS 5 & LBS 6
14 PSR 45 LBR 2 Lead Bank Returns
15 PSR 46 LBR U2 Lead Bank Returns
16 PSR 48 Statement on SLRS Scheme
17 PSR 50 PMRY Subsidy claim Statement
18 PSR 51 PMRY Quarterly Progress Report
19 PSR 52 PMRY Monthly Progress Report

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REPORTS
20 PSR 53 PMRY Monthly Progress Report
21 PSR 60 SJSRY - Monthly Progress Report
22 PSR 68 Statement on Housing Finance Scheme
23 PSR 71 Retail Lending - Flash
24 PSR 72 SME Loans without collateral securities and composite loan
25 PSR 73 Monthly NPA Statement
26 PSR 75 Region / State / Activity wise Disbursement under Agriculture -SACP
27 PSR 77 Kisan Credit Card - Monthly Progress Report
28 PSR 78 SGSY Statement
29 PSR 80 Performance under Newly introduced scheme of Priority Credit
30 PSR 81 Position of application, sanctions, disbursement of Education Loans
31 STR RBI Statement / Statement of Business Position
11/11A
32 STR 13 Statement on DIR scheme
33 STR 20 Recovery and Performance under Govt. sponsored schemes
34 STR 30 Inflow/outflow of deposits under NRE Rupee A/c Scheme
35 POR 21 NABARD-Monthly refinance Disbursement register
36 ORR Statement on Sub-standard assets-Branch sanctions
Advances supporting Sheet
Agriculture Loan accounts
37 Bal Sheet
Gross Credit to Priority Sector
Non-Priority Sector
Statements dependent on CIM09
1 PRR 8 Statement on Credit Review and Programming
2 PRR 20A Credit Report cum Inward Application Register
3 PRR 41 Details of Standard assets lost to other Banks
4 PSR 7 Priority Sector advances to specified minority communities
5 PSR 26 Financial assistance to women beneficiaries
6 STR 19 Deposit Insurance Return III
7 Advances supporting Sheet
Bal Sheet
8 Staff Loans
Statements dependent on LNM99
1 Bal Sheet Advances supporting Sheet

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REPORTS
LIST OF MANDATORY REPORTS (FCR)
(Ref HO Cir 122/2010)

Sl Report
Report Name
No ID
1 AB600 AWB Inward / Outward TXNs.
2 AT100 ATM Force Posted Transaction Report
3 AT006 ATM Transaction Report for current date
4 AT600 Failed ATM & Debit Card Transaction
8 AT601 ATM Inter Bank Transaction Report
6 AT607 ATM Transaction posted through ATM50
7 BA001 Unauthorized Non-financial Transactions pending authorization
8 BA110 File (GEFU) Uploads - Successful
BA111 File (GEFU) Uploads - Unsuccessful
9 CH602 Overdrawn OD/OCC/KCC Accounts
10 CH621 SB TOD A/cs.
11 CH632 List of limits Expired/expiring As on
12 CH658 TODs granted today.
13 FC605 FCNR / RFC Interest Payment Details
14 GL604 Alert statement (Ensure ZERO balance in all the heads mentioned therein )
15 GL611 Voucher TXNs (GLM01) Waste. To be taken teller wise. Soft copy to be
preserved
16 SM5003 Login Exception Report
17 SM5005 Password Change Due Report
18 SM6000 List of Login Users for the Day
19 SM6004 SMS Events log Report
20 SM6009 Users Logged other than Home Branch
21 SM603 List of Users Created/Deleted/Modified
22 ST038 Outward Clearing Extract - Clearing type-wise
23 ST101 Transaction Journal (HO Cir 95/2007)
24 ST209 OCC Realization / Dishonor Report
25 ST613 Account opened, transferred, closed for the day
26 ST635 Transactions in Staff A/cs.
27 ST639 Inward Clearing activity - summary schedule - to be taken on same day
28 ST644 Computer operator-wise and product-wise consolidated receipts &
payments
29 ST649 Teller - product wise transfer transaction report
30 ST651 Teller - wise transfer transaction details - Soft copy to be preserved
31 ST661 Consolidation of returned cheques
32 ST999 Outward Clearing Return
33 ST6001 Inward Clearing Batch wise list of instruments

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REPORTS
34 ST6002 Outward Clearing Batch wise list of instruments
35 TD119 Deposits Opened
36 TD621 Deposits Due for Force Renewal Tomorrow
37 TS601 TDS Remittance Report Compulsorily on remittance day else afterwards
it is not possible to generate. 1st of every month
38 TP5021 Closing cash position
39 TP5029 Teller Inter Branch Transactions Report
40 TP5049 Statement of cash transactions position - computer operator-wise, tallying
payments & receipts
41 TP6002 Transfer Extract. To be taken teller wise. Signed by both teller and
supervisor. Preserved and presented for audit.
42 TP6007 Auto Reversal Transactions
43 TP6009 Report on verified transactions
44 TP600 Teller Cash Position
45 TP601 Branch Cash Position
46 TP603 Cash Payment Waste Br/Teller
47 TP604 Cash Receipt Waste Br/Teller
48 TP602
CTR Cash TXNs 10 lacs and above. To be monitored daily and submitted
TP605
as CTR every month.
TP606
49 BO 1 Day Book , GL alert report
2 a. Transfer waste along with Cash receipt waste and payment waste Part I
need to be printed and signed. All other parts Soft copy to be preserved
b. Transactions with value date Term Deposits ` 10.00 lacs & above
3 124803 - Transaction Enquiry FCR Transfer waste ( for one week)
4 220007 - Transaction Enquiry FCC Transfer waste
50 BO Negative Balances in Minor Subsidiaries Cir 95/07. Daily pre generated report
is available under http://cbsreports:500/ - Print the page of your branch
51 BO Deposits Advances Bills Consistency reports Brs - Daily pre generated report is
available under http://172.16.42.70/ - Print the page of your branch
52 BO Fixed_Floating_Reset_Period
53 BO Instruments(PO,DD,IBA,BAR)_Details Soft copy to be preserved
54 BO 124810_Today's Parking GL Report (Cir 242/09)
55 BO 280002 Interest Dump for Agriculture Loans
56 BO 280013 Interest Dump for FCR Loans OD OCC KCC
57 BO 430001_Unscanned Signature Accounts (Cir 220/09) Published weekly
58 BO 120006_Auto Reversal_User Reversal Transactions (System & User)

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REPORTS

BATCH (SCHEDULED) REPORTS i.e. REPORTS GENERATED DURING EOD/BOD.

These reports are pushed to the branches through respective COs. Branches can now
access the reports from Circle Office dedicated PCs. Branches may contact respective
TM Section for the details and assistance. The same can be accessed through
http://cbsreports:500/, EOD reports folder.

The EOD/BOD reports are generated during the EOD/BOD Process centrally and CBS
Branches/Offices are required to access, view/print and save in their local PCs without fail as
generation of the same at a future date is not possible because these reports are being
generated only during EOD/BOD for the particular day.

CURRENT LIST OF EOD / BOD REPORTS

Sl. Report
Report Name
No ID
1 CH102 SB-CA-OD-OCC Reject Transactions Report
2 CH105 SB-CA-OD-OCC Large Balance Movements for the day
3 CH106 SB-CA-OD-OCC Large Transactions for the day
4 CH107 SB-CA-OD-OCC Dormant A/C Activity Report
5 CH117 SB-CA-OD-OCC Overdraft Report
6 CH118 SB-CA-OD-OCC Overline/TOD Report
7 CH120 SB-CA-OD-OCC Uncleared Funds Advance Line
8 CH122 SB-CA-OD-OCC Standing Instructions Executed
9 CH123 SB-CA-OD-OCC SI Failed Report
10 CH124 SB-CA-OD-OCC Sweep Out Instructions Executed
11 CH125 SB-CA-OD-OCC Account Dormant Today Report
12 CH126 SB-CA-OD-OCC Accounts Opened Today Report
13 CH127 SB-CA-OD-OCC Accounts Closed Today Report
14 CH164 SB-CA-OD-OCC Accounts Marked for Closure but not closed
15 CH183 SB-CA-OD-OCC Large Debit Balances for the day
16 CH191 CASA-OVERDRAFT Account Report
17 CH304 CASA Accounts classified NPA today
18 CH315 SI Failed for 3 Consecutive periods
19 CH316 Standing Instructions marked today
20 CH324 SBCA-TOD/ODCC Debit Interest Frozen Accounts
21 CH330 Stop Cheques Maintained Today
22 CH357 RD Accounts Matured Today Report
23 CH402 Sweep Out failure report
24 CH657 Balancing report account wise

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REPORTS
25 CH658 TODs Granted Today
26 CH701 Customer Accounts Balances
27 CI999 Customer Name Comparison report with Terrorist Details
28 FC601 FCNR/RFC Deposits renewed
29 FC602 FCNR/RFC Deposits opened
30 FC604 FCNR Memo
31 LN101 Loan Product wise transaction posted report
32 LN102 Loan Product wise Consolidated Posted Transactions
33 LN111 Loan Product wise Transfer details from & to CASA accounts
34 LN115 Loan Product wise Incomplete Debit Transaction
35 LN160 Loan Payment from other CBS branches
36 LN163 Report on Accounts Closed Today (Loans)
37 LN201 Loan Accounts Opened Today
38 LN204 Disbursements made today
39 LN252 Collateral Inadequacy Report
40 LN304 LN Accounts with Credit Balance
41 LN402 Loan Product wise interest frozen accounts
42 LN700 Sector wise Balancing Report Details
43 LN710 Sector wise Balancing for Loans / Advances - Consolidated
44 LN711 Break-up of Loan Balances
45 LN725 Advances Control Register
46 ST012 Outward Clearing failed transactions
47 ST015 Cheques pending clearing
48 ST021 Post dated cheques lodged to be presented in today's clearing
49 ST023 Immediate credit given today
50 ST024 Float extensions report
51 ST031 Post dated cheques in hand
52 ST101 Transaction Journal (Cir 95/2007)

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REPORTS
IMPORTANT FCR (7775) REPORTS & BALANCING REPORTS

Sl Report
Description
No ID
DAILY REPORTS
1 AL601 Agriculture advances module accounts opened
2 AT100 ATM Forced - Posted Transaction Report
3 BA119 CRR Movement
4 CH112 Savings Monthly Interest Accrual
5 CH121 TOD Limit History
6 CH128 Savings Insignificant Balance Accounts
7 CH132 Standing Instructions Listing
8 CH133 Savings Sweep out Instructions Listing
9 CH134 Savings Stop Payments Listing
10 CH179 CASA-overdrawn accounts report
11 CH182 Savings YTD Interest Report
12 CH317 Stop payments over six months
13 CH318 CASA balance listing
14 CH327 Stop Cheques Payment Outstanding
15 CH404 Cheques purchase line expiry report
16 CH604 Balancing report account-wise
17 CH605 Balancing report summary
18 CH613 Interest details for OD/OCC/KCC accounts
19 CH622 Interest/service charges debited
20 CH623 Resume for a period OD/OCC/KCC accounts
21 CH626 OD/OCC/KCC master details
23 CH637 BCTT monthly return
24 CH638 Concession in services Return
25 CH656 Sector-wise control register for CASA
26 CI025 Customer Dormant Status Report
27 CI116 Minor customer details report
28 FC604 FCNR memo
29 GL215 GL reconciliation statement
30 GL600 Transfer Waster Report
31 LN601 General advances module accounts opened
32 LN603 Sector-wise balancing report - consolidated
33 LN618 Loan exceptions report for Accounts opened
34 LN626 General Advance follow up insurance

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REPORTS
35 LN631 List of Loan Accounts Opened and Closed
36 LN639 Interest debit report of loan accounts
37 LN663 Security Value Less Than Loan Amt
38 LN688 Product wise advances control register
39 LN690 Account wise Demand Collections Balance
40 LN700 Sector wise balancing report details
41 LN722 Limits of the customers
42 LN725 Advances Control Register
43 SC003 Service Charges Report
44 ST015 Cheques Pending Clearing
45 ST021 Cheques matured today
46 ST056 Exception Report Clearing
47 ST101 Details of each transactions
48 ST224 Remittance status change report
49 ST600 DD Paid register
50 ST603 H.O Responding Summary
51 ST604 H.O Originating Summary
53 ST614 DD Issued Summary
54 ST615 DD Paid Summary
55 ST616 DD issued register
56 ST617 Demand draft cancellation register
57 ST629 Commission collected on PO / DD
58 ST630 Turnover Details of PO /DD
59 ST636 DD Consolidation summary
60 ST638 H.O Consolidation Summary
62 ST686 Resume of accounts
63 TD003 Deposit Notice for Nominee
64 TD103 Maturities today
65 TD544 Interest Capitalization Report
66 TD604 Deposit Matured Notice
67 TD610 Deposit Matured Notice-1
68 TD611 Deposit Matured Notice-2
70 TP5027 Instruments issued Today
71 TP5033 Instruments Details report
72 TP600 View Cashier Position
73 TP6000 Inventory Held by teller
78 TP605 Cash DD /Deposit - 1 Lakh and above
79 TS117 TDS Projection Reports
80 TS600 Form 16 A
81 TS603 Interest Paid on Deposit

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REPORTS
BALANCING REPORTS
1 CH628 CASA Balancing Report
2 CH656 Balancing for OD/OCC
3 CH701 Customer Account Balances
4 LN710 Balancing Report - Sector wise Balances of Loans
5 LN711 Balancing Report - Break up of Loan Balances
6 ST610 Balancing Report - Pay Order
7 ST611 Balancing Report - Overdue Pay order
8 ST646 Balancing for Cheques Purchased (CDB/FCDB)
9 TD112 Term Deposits Detailed Balancing
10 TD777 Term Deposits Consolidated Balancing

Centrally generated reports are published in http://cbsreports:500/ under the

following segments:

1. Adhoc Reports
2. Interest Dumps & Balance Sheet
3. PSR, PRR, STR, Other MIS Reports

The following additional reports are available in terms of HO Cir 207/11 through 7775 option

Report ID Description Periodicity

CH501 Transactions exceeded the threshold limit EOD
CH502 Periodical review of risk categorization of accounts May 15/Nov 15
CH503 Periodical Updation of customer identification data Jan/Apr/Jun/Oct
CH504 Change in threshold limit Adhoc
CI151 Letter for KYC requirements EOD
CI152 Reminder for KYC requirements Adhoc
CI153 Risk Modification Adhoc

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ADVANCES CONCEPTS
ADVANCES CONCEPTS IN FLEXCUBE RETAIL

Advances Module under Flexcube-Retail is a feature-rich & user-friendly package, which is

highly parameterized and quite flexible to enable users to open loan accounts as per their
requirement. A loan account in FCR is driven by many independent factors such as, schedule,
interest rule, interest rate plans etc., which are tightly-knitted to become a Loan Product.
Let us understand the concept of Advances in our Core Banking Scenario.

The Loan products (e.g. 601) created by DIT has various schedules depending on different
types of repayment options offered to the customers like fixed interest rates, floating
interest rates, with holiday period, without holiday period, holiday period with EMI, holiday
period with IPI etc.,

Each schedule (e.g. 2 for Prod 601) is a combination of various rules/plans attached to it such
as, interest rule, interest rate plan, and installment rule, interest processing rule, installment
details, penalty for non-payment, and penalty for early settlement.
It is defined in Interest rule (eg.6009) as to how interest base is arrived at, i.e., whether
advance payment made in the account should get interest benefit from the date of payment
and for penal interest whether to include charge arrears etc.,
Various Interest rate plans (e.g. 1130) are created depending on different types of needs of
interest definitions such as follows:
- Floating / Fixed Rate of interest
- Tiered / Non-tiered
- If tiered, whether
- Cumulative interest based on sanctioned amount / outstanding amount
- Incremental Interest based on sanctioned amount/outstanding amt
- Rate of Interest based on amount slabs
- Rate of Interest based on Term slabs

The above can be verified in LN060 for any given product rate plan.
This Interest Rate Plan is modifiable by the branches by entering 'Interest variance' at
account level in LNM83 (Account Rates). If not modified, it takes all the details from
LN060, which was defined at DIT level. Whenever rate changes are effected at DIT level in
LN060, the changes will get percolated to all the accounts (where the interest type is
'Floating') and the account interest variance provided by the branch, if any, will be intact.

However, it is possible for the branches to make the interest 'Fixed' for an account by
checking the 'Set Fixed' flag in LNM83. This ensures continuation of interest 'fixed'
by the branch for the account irrespective of Rate of interest changes effected by
DIT.

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ADVANCES CONCEPTS
Thus, calculation of interest on any account depends on the schedule under which the loan
account is opened, which in turn depends on the Rate of interest defined in LNM83 as follows:
1. Account Rates (LNM83) - To arrive at the Net Rate of Interest, Rate Effective
Date and whether interest to be applied as per incremental/cumulative slab.
The Interest Rules and Accounts rates may vary during different stages. For e.g. the
interest could be simple during holiday period and compounded during repayment period
(Educational Loans). These are taken care at Global level by DIT.

ACCRUAL AND CHARGING OF INTEREST IN CBS

In CBS scenario, the interest is accrued before charged (debited) to the account. For
Anniversary type of accounts (other than staff accounts), the accrual of interest is done in
two stages as follows:

I Stage: Interest is accrued from the date of opening/last interest charged date till the end
of the month. At this stage the interest accrued is debited to Interest Accrual head of the
account and credited to interest collected account (income is recognized) (For e.g. if an
account is opened on 5th June, the interest is accrued from 5th to 30th June).

II Stage: Interest is accrued from first day of the month till the installment due date. This
is called 'Catch up Interest Accrual' (in the above e.g., interest for July is calculated for
the period 1st July to 4th July).

At the end of the II stage (i.e., on 5th July in the above e.g.), the amount outstanding in
'Interest Accrued' head will be reversed by debiting to the Loan Account (Interest
Receivable Head) and crediting to 'Interest Accrued' Head. This is called 'Charging of
Interest' in CBS environment.

For Calendar type accounts (staff accounts), the accrual and charging of interest for the
month will be done simultaneously on the last day of the month.

Branches may note that the total liability in an account is sum of Outstanding Balance
(Principal + Interest Receivable) & Interest Accrued and not necessarily the ledger
outstanding balance alone.

The interest outstanding in the Interest Accrued Head of the account can be seen for an
account in LNM10 Account details.

DIFFERENT STAGES OF REPAYMENT PERIOD

The following are the stages, through which the loan accounts in CBS have to pass depending
upon the schedule selected at the time of opening.

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ADVANCES CONCEPTS

1) Holiday / Moratorium Period (MOR) - During this period neither installment nor
interest is be expected to be paid by the borrower (Holiday period for both principal and
interest - E.g. Education Loan). However, during this period, interest is calculated at
monthly rests, compounded or simple as the case may be. The interest calculated so, will
be debited to Interest Accrued Head and credited to Interest Collected Head,
recognizing the same as income. This will continue till the end of the holiday period. The
total interest accrued during the entire holiday period will be charged to the account
only on completion of the holiday period by crediting to 'interest accrued' and fresh
schedule is drawn for the outstanding balance for the term of the loan. This is called as
'Capitalization' of interest in CBS.

2) Interest Only Installment (IOI) Period - This is holiday period for only principal
installments. During this period, Interest debited on calendar/anniversary date becomes
due and principal installments are not expected (E.g. Housing Loan to customers).

3) Interest Principal Installment (IPI Principal in equal monthly installments +

Interest as and when due) - During this period actual interest debited to the
account and fixed installment amount will be payable by the borrower. For e.g. if a loan
of ` 1,00,000 has to be recovered within 10 months, then the IPI will be `.10,000 +
Actual Interest charged to the account for the month.

4) Equated Periodic Installments (EPI/EMI) During this period, equated installment will
become due periodically (actual interest + principal recovery to match the EMI amount.
For e.g. if a loan of ` 1,00,000 has to be recovered within 10 months, then the EMI will
be arrived at by the system basing on the number of installments, interest for 10 months
at rate of interest on reducing balance method, say `.10,600 p.m. (However, while
appropriation, the system first appropriates actual Interest charged to the account for
the month, any other dues and then the remaining amount will be appropriated towards
principal).

5) First Principal Installment (FPI) During this period, the system appropriates the
installment received towards the principal and on clearing the principal amount in full,
the installments are adjusted towards the interest. This does not include bank and other
charges which are immediately adjusted on receipt of next credit (for calculation of
arrears). It is applicable mostly in case of staff loans and simple interest loans.

6) Post Maturity Installment Stage (PMI) - If the loan is not cleared before the due
date, on maturity, the loan account slips to PMI stage and the account will be governed
by the rates/rules defined under this stage for the given schedule.

Branches may note that, presently, there is no difference in the ROI prescribed for an
account irrespective of the stage of the account.

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ADVANCES CONCEPTS
SIMPLE/COMPOUND INTEREST
The type of interest charging on loan accounts, whether Simple or Compound interest and if
compounded, the compounding frequency etc., is taken care by DIT at schedule level and
Interest rules attached to the products. E.g. Education Loan, Staff loans etc. Hence,
branches should ensure that they have selected right schedule at the time of opening the
account.

OD/OCC ACCOUNTS

Branches may note that Interest for OD/OCC Accounts are not governed at Product level but
provided at Account level by branches. Hence, whenever Rate of Interests are revised, the
branches are required to change the interest on OD/OCC/KCC accounts at account level, at
least one day before the effective date, since the change of interest will take place only
during the next Beginning of Day Process

INTEREST CONCEPT IN AGRICULTURAL LOANS

The concept of DND (Debited but Not Due)

In Agriculture, DND refers to the interest component which is Debited to an agriculture loan
account but Not Due.

In Agriculture module, the loan products are broadly classified under two categories from
interest point of view.

Depending upon the income generation, in Agriculture, the repayments are fixed in monthly,
quarterly, half-yearly, and yearly and 18 months frequencies.

If the repayment frequency is monthly, then interest will be debited to the agriculture loan
account on monthly basis.

In all other cases of Agriculture, the interest will be debited in half-yearly intervals of last
day of March and September.

In CBS-AGRICULTURE module, the periods for half yearly interests are reckoned as follows:

March Interest period 30th September to 30th March

September Interest period 31st March to 29th September

As interest charging is continuous, the interest for the day 31st March/30th September is
added to the interest calculation for September/March respectively.

However interest accruals are happening on monthly basis and it can be observed from the
Audit Trail option of ALM10.

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ADVANCES CONCEPTS
If there is any difference between the actual half-yearly interest and the sum of monthly
interest accruals corresponding to that half year due to Compounding effect / Rounding off
effect, then the differential interest accrual will be charged on the interest application dates
31st March/30th September which can be observed as a separate entry in the Audit Trail of
ALM10 on 31st March/30th September.

The interest for the day 31st March/30th September is getting accrued and is taken for
balance sheet purpose. One day interest accrual for 31st March/30th September can be
observed in the Audit Trail of ALM10.

The charging of half yearly interests will happen in the BOD of 31st March and 30th
September.

Under normal circumstances, these interests will be debited as DND and will not be treated
as arrears immediately.

During the IPI (Interest Principal Installment) stage, this DND will become arrears on the
subsequent principal installment due date.
In the case of PMI (Post Maturity Installment) stage, half yearly interests that are debited
to the account will become arrears immediately on the date of debit.

During IPI stage, if the arrears (principal and interest) are not paid on due dates, then
compounding of interest will happen from the starting date of the half year, which is from 1st
April or 1st October as the case may be.

If full/partial arrears (whether principal or interest) existed during any part of the period in
a half year, then compounding will happen from the starting date of the half-year.

If installment is due on 31st March/30th September, then the interests debited on these
days will be raised as arrears on that date itself.

In an Agriculture Loan account, during the course of Holiday Period (Moratorium Period),
simple interest will be charged on the Disbursed Amount. The DND interests charged to the
account during the holiday period will be capitalized at the end of holiday period. The IPI
stage installments in this case will be arrived upon the capitalized amount.

AGRICULTURE LOAN PRODUCTS:

In Core Banking Environment, Agriculture schemes are handled through various Loan products.
Agriculture loan accounts can be opened using the agriculture loan products created for the
purpose.

There are two groups of agriculture products

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ADVANCES CONCEPTS
1. Products from 783 to 811 come under the category of monthly installment-cum-interest
type

2. Products starting from 812 come under the category of Quarterly/Half-yearly/

Yearly/18 months installment periodicity with Half-yearly interest type.
In the monthly type of products, the interest is debited at monthly intervals which also
become due immediately along with the installment for that month. This works exactly like
other general advances loans, except in ALDIR Product, where, though the interest is debited
at monthly rests, simple interest is charged till the date of maturity. On maturity, interest
will get compounded for the balance outstanding.

Whereas, in other type of products (Products from 812 onwards), the interest is debited
at half-yearly rests on 31st March and 30th September respectively (irrespective of the
date of grant of loan) and the interest so debited will not become due immediately but
will be raised as arrears along with the next principal installment. This is called DND
(Debited but Not Demanded) in CBS.
For eg: For an agri- loan where installments are payable yearly and if the loan is
granted on 1.1.2007, the interest debited on 31-March-2007 and 30-Sept 2007
becomes due only on 1.1.2008, the date on which the first Principal installment falls due
and so on.

SCHEDULES:

In CBS environment, Schedule predominantly refers to the repayment method of

INTEREST & INSTALMENT attached to a Loan account.

1. Installment function includes the type (like revolving, non-revolving) and periodicity
(like monthly, quarterly, half-yearly, yearly, lump sum).

2. Interest function includes the normal interest, Penal interest, interest after the
repayment period, the method of calculating interest, rate of interest and the interval at
which interest is to be calculated.

From the above, it is evident that a schedule is playing a crucial role during the life time of a
loan account.

Every agriculture loan product is attached with one or more schedules to meet various
requirements expected out of an agriculture loan account.

In CBS, an agriculture loan account is opened under a SCHEDULE attached to the

agriculture LOAN PRODUCT.

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ADVANCES CONCEPTS
So, while opening an agriculture loan account under a specific product, the branch user has
to select the correct schedule that is applicable to that particular account.
Schedules from 1000 series are assigned under BASE RATE.

So, at the time of account opening, branch user should be very careful in selecting
the correct Schedule in LN057 option (Account Opening Screen).

However, the branch has the option to change the schedule in LN521/AL521 (Account
Schedule) screen at the time of disbursement

Now, with the introduction of BASE RATE, only Schedule Codes in 1000 series have to be
selected

BPLR BASE RATE

AGRICULTURAL GENERAL AGRICULTURAL GENERAL
SCHEDULE CODES
Starting with
1 Monthly Inst
2 Quarterly Inst
1, 2,3,4 etc 1000 series 1000 series
3 Half yearly Inst
4 Yearly Inst
5 Lump sum Inst
INTEREST RATE CODE (series)
Penal 900 Penal 900 Penal 900 Penal 900
Normal 700 Normal 1000 Normal 2000 Normal 2000
PMI 400 PMI 4000 PMI 5000 PMI 5000

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