Topic: DEPOSIT PRODUCTS

Product: Term Deposit

1. How to check TDS & interest detail of FD which was earlier checked through menu option ACI
under sub option "2"
Please use menu option "HTDTRAN"
Question replied on : 04.04.2018
2. How to capture 15G & 15H details in Fin 10, which was done in EXMPTDS in Fin 7.
Please use menu option"TAXEXM"
Question replied on : 04.04.2018
3. While closing Flexi RD Account using FCAAC menu option, user is getting error message
"Batch execution of INTTM failed".
Use 'HACLINQ' and Check whether Interest is credited in A/C. a) If Yes, use menu option HTM to
make balnce zero in RD and then close a/c through 'HCAAC' (just like we close SB Account. b) If No,
Run HACINT & then HTDSCALC. After that make balance zero by HTM & than close the account. c)
Even after that it doesn't get close than lodge SPSD.
Question replied on : 04.04.2018
4. Benefit of rate of interest as applicable to Staff or Sr.citizen is not reflecting in Fd A/c.
Modify under "HINTTM". In Interest rate Code field use appropriate code as mentioned below -
TDGEN - General Cust, TDSTF - Gen + Staff benefit, TDSCN - GEN+Sr. Citizen benefit, TDSTS -
Gen+Staff+ Sr citizen benefit
Question replied on : 04.04.2018
5. How to remit TDS for the month
Use menu TDSMARK.
Question replied on : 04.04.2018

Topic: DIGITAL PRODUCTS

Product: Alerts

1. In corporate mobile alert, what does mobile sequence number 00 and 09 refer to?
In this facility branch can enter 10 mobile numbers and the SMS will reach to all these 10 numbers.
Question replied on : 07.12.2018
2. If a customer requests us to change his registered mobile number in ALERTS, are we allowed
to deduct charges for changing his mobile number ?
At present Bank is not charging any service charges for change of mobile number
Question replied on : 07.12.2018, Reference : DBD Circular number 51/2017

Product: Apps

1. What is the differance between BHIM App & BHIM PNB?

Both are UPI based Apps. BHIM is empowered by NPCI and BHIM PNB is of our Bank's app.
Registration and operations are uniform in both the apps, however PNB has launched some additional
features i.e more than one accounts can be linked, enhanced limits etc.
Question replied on : 07.12.2018
2. If we send money through BHIM on registered accounts of a person but he has two accounts
linked with his mobile number. Which account will be credited?
 If you are sending money using virtual payment address, the respective account will be credited. If you
are sending amount to Aadhaar number, the last account in which aadhaar number was registered will
be credited.
Question replied on : 07.12.2018
3. How the virtual address of UPI will get activated once its expired/disabled?
It can be activated by visiting the link "Manage Accounts" and clicking on "Edit" icon.
Question replied on : 07.12.2018, Reference : DIGITAL BANKING DIVISION CIRULAR No. 51/ 2016
Dated 09.09.2016
4. What are the daily,weekly,monthly limits for money transfer through BHIM PNB?
Maximum amount per transaction through BHIM PNB (UPI) is Rs. 1.00 lakh, daily limit Rs. 1.00 lakh,
weekly limit is Rs. 4.00 Lakh and monthly limit is Rs. 10.00 lakh.
Question replied on : 07.12.2018, Reference : DBD Circular no. 37/2018 Dated 06.07.2018
5. For using pnb kitty, what is the minimum age required for an individual?
Any individual above the age of 10 years and having a vaild mobile number in his name can register
for pnb kitty.
Question replied on : 07.12.2018, Reference : DIGITAL BANKING DIVISION CIRULAR No. 83 / 2016
Dated 06.12.2016
6. Can BHIM PNB be accessed through un-registered number?
For accessing BHIM-PNB you need your mobile number registered with the Bank account.
Question replied on : 07.12.2018

Product: Crebit Card

1. What is the cash withdrawal limit of Classic Credit Card?

The cash withdrawal limit in PNB Classic Credit Card is 30% of total card limit.
Question replied on : 07.12.2018, Reference : Credit Card Division circular number 06/2016 Dated
08.09.2016
2. One credit card holder was trying to make payment through credit card. But the payment was
unsuccessful with a message "THERE IS A BILLING PROBLEM WITH A PREVIOUS
PURCHASE" and payment was declined by bank. Please suggest.
You may check the outstanding amount against this card using portal - Genius (link available in Non-
CBS applications under CCVD) or you may send mail to [email protected] for looking into the
matter.
Question replied on : 07.12.2018

Product: Credit Card

1. What are the limit of credit card for Retired staff members?
Enhanced pre-approved card credit limits for staff/ ex-staff members are as given here-under: (Amount
in Rs.) Sub-staff Nil Clerical staff 15,000 Officers staff Scale I 35,000 Scale II & III 50,000 Scale IV & V
1,00,000 Scale VI & VII 1,50,000 ED & MD 2,50,000
Question replied on : 07.12.2018, Reference : CREDIT CARD DIVISION CIRCULAR NO. 6/2015
Dated 06.07.2015
2. Can a credit card be issued to an NRI customer?
Yes credit card can be given to NRI customer also.
Question replied on : 07.12.2018, Reference : Credit Card Division circular number 06/2016 Dated
 08.09.2016
3. Whether PTS of our bank eligible for credit card or not?
As per bank guideloines only subordinate staff is eligible for PNB Credit Card. There is no separate
mention of PTS.
Question replied on : 07.12.2018, Reference : Credit Card Division circular number 06/2016 Dated
08.09.2016
4. Does Rupay Platinum credit card work for every online transaction like VISA credit cards?
It works globally and accepted at terminals managed by Diners, Discover and Pulse also, like VISA
credit card.
Question replied on : 07.12.2018
5. We had issued a credit card to an individual last year. Now he wants to increase his limit kindly
guide.
Please collect latest Income Tax Return of the customer and send the scanned copy with your
recommendations through mail to Credit Card division i.e. [email protected]
Question replied on : 07.12.2018
6. While calling 0120 4616200, IVR system asks for Credit card number and then PIN for existing
customers. Please advise if it is in order to ask for a PIN for rendering any service related to
credit card on IVR system whereas Bank says, it never asks for PI
In IVR services, system authenticates the customer with the help of credit card credentials. Please
note that the information in this case is sought by the system and not by any person.
Question replied on : 07.12.2018
7. What is the cash withdrawal limit for classic credit card?
30% of the card limit.
Question replied on : 07.12.2018
8. How can a credit card be surrendered?
Customer an surrender the card at branch with an application and the card duly cut diagonally in four
pieces and branch office will inform Credit Card Division through e-mail, the same day, at
[email protected] giving details of card and advising to get the credit card blocked.
Alternatively, customer can also contact the call-centre to get the card blocked. Call centre will block
the card after prescribed security check.
Question replied on : 07.12.2018
9. How to activate credit card?
Please contact Credit Card Help line number 1800 180 2345 or 0120-4616200 for activation of your
card. You may view these numbers on the back side of your credit card also for any future
requirement.
Question replied on : 07.12.2018, Reference : Credit Card Division circular number 06/2016
10. How to check credit card transaction in cbs?
It can't be checked in CBS.But the customer can check the same through our credit card app "Genie"
Question replied on : 07.12.2018

Product: Credit card- Merchant Acquiring

1. What is Bharat QR code?

BHARAT-QR Code is a technological digital instrument, displayed at the Merchant Establishment to
facilitate receipt of payments towards sale of goods or services to customers in a cashless
 environment, through use of Mobile applications. It works in similar fashion of existing PoS and Card
system. However unlike PoS only printed Bharat QR Code sticker will be placed at merchant’s
location. In order to enable themselves for making payment, customer needs to attach their physical
cards to mobile banking application provided by issuer Banks (viz. PNB Kitty, PNB mBanking or any
other such application of any member banks. BHIM UPI app can also be used for scanning of Bharat
QR code.
Question replied on : 07.12.2018, Reference : Credit Card Division - MERCHANT ACQUIRING
BUSINESS (BHARAT-QR) CIRCULAR NO. 04/2017
2. What are the guidelines for Merchant Discount rate (MDR)/ MDR Cap for CREDIT CARD
transactions through POS or QR Code Scanning ?
MSF/MDR to be charged to the Merchant for Credit Card transactions is 1.80%plus GST as
applicable. Please refer Credit Card Division> Merchant Acquiring Business Circular no. 04/2017.
Question replied on : 07.12.2018, Reference : MERCHANT ACQUIRING BUSINESS (BHARAT-QR)
CIRCULAR NO. 04/2017 Dated 22.09.2017

Product: Debit Card

1. Is there any debit card by which e-com transactions can be made in USD or other global
currency?
Bank has RuPay International PLATINUM debit card for this purpose.
Question replied on : 07.12.2018, Reference : DIGITAL BANKING DIVISION CIRCULAR NO: 52
/2017 Dated 16.08.2017
2. One BC Agent of our branch swiped a debit card of SBI in his machine. In this process amount
got debited from the account of SBI customer but there was no credit in BC's account.Please
guide.
Complaint is to be lodged with the bank where transaction amount is debited. For PNB, complaint is to
be lodged at customer care numbers 1800 180 2222, 1800 103 2222 (toll free) and 0120 2490000
(tolled). Complaint may also be lodged with complete details through e-mail at email id
[email protected]
Question replied on : 07.12.2018, Reference : PSFID / FINANCIAL INCLUSION / CIRCULAR NO. 10 /
2017 Dated 12.07.2017 & 16/2017 Dated 14.09.2017.
3. Customer having sms alerts facility wants sms of all transactions below Rs. 5000/- also. Please
guide.
As per prevailing guidelines, alerts for transactions done through branch are sent for transaction
amount of Rs 5000/- & above except for pension accounts where this limit is Rs 1000/- & above.
However customer gets alert for each transaction performed through alternate delivery channels.
These limits are applicable for all PNB Customers.
Question replied on : 07.12.2018, Reference : TRANSACTION BANKING DIVISION CIRCULAR NO:
16/2015 Dated 27.02.2015
4. What is the procedure to destroy personalized debit card, which have been received by branch
and customer has not come to receive his/her card from branch?
You need to Receive/ Confirm the card in the system and then hotlist the card. It is however advised to
make all out efforts to contact customer and handover the card to him before destroying the same.
Question replied on : 07.12.2018
5. What is the process to activate international debit card for international transaction? Customer
can only transact in INR not in US dollars after activation.
 Issue RuPay Platinum International Debit Card
Question replied on : 07.12.2018, Reference : DBD Circular 52/2017 Dated 16.08.2017
6. What are the charges for add-on debit cards?
Rs. 50/- issuance charges and Rs. 100/- annual charges plus GST.
Question replied on : 07.12.2018, Reference : DBD (then TBD) circular number 05/2014 dated
22.01.2014
7. What is QAB required for Rupay Internatonal Platinum Debit Cards in savings account?
Accounts with QAB equal to or above Rs. 15000/- are eligible for Rupay International Platinum Debit
Card.
Question replied on : 07.12.2018, Reference : DIGITAL BANKING DIVISION CIRCULAR NO: 82 /
2017 Dated 08.12.2017
8. Can we issue PNB classic credit card to non pnb customer?
As per bank's guidelines regarding issuance of PNB Credit Card, "The applicant should have banking
relationship with us with a satisfactory track record of minimum 6 months. The condition is waived in
case of Metlife employees and employees of RRBs sponsored by PNB."
Question replied on : 07.12.2018, Reference : Credit Card Division circular No. 06/2016 Dated
08.09.2016
9. How to apply for photo debit card of a customer?
You have to scan the application and photograph of customer and then send it to HO DBD through
SPSD only.
Question replied on : 07.12.2018
10. What are the limits for card to card transfer through ATM per day?
Limit of card to card fund transfer is Rs. 5000/- per transaction with a monthly cap of Rs. 25000/-.
Question replied on : 07.12.2018, Reference : DIGITAL BANKING DIVISION CIRCULAR NO:
66/2016 Dated 24.10.2016
11. What is the benefit on Personal Accidental Insurance on rupay classic debit card over Rupay
platinum debit card ?
On Rupay Classic Debit Card the maximum limit of Personal Acciental Insurance is Rs. 1,00,000/-
whereas on Rupay Platinum Debit Card it is Rs. 2,00,000/-
Question replied on : 07.12.2018, Reference : DIGITAL BANKING DIVISION CIRCULAR NO: 82 /
2017 Dated 08.12.2017
12. Can we issue classic debit card in current accounts of partnership firm where mode of
operation is "Any one partner"?
For current accounts we have Business Card. Please issue that only. Please refer DBD Circular no.
67/2016.
Question replied on : 07.12.2018, Reference : DBD Circular number 67/2016 Dated 24.10.2016
13. Can we issue debit card to an illiterate person?
Yes we can issue debit card to an illiterate person as per the discretion of the branch incumbent.
Question replied on : 07.12.2018, Reference : DEBIT CARD POLICY 2017-18>>>DBD Special Link
14. One customer wants to give debit card to his son studying at China..who can take out money
there whereas account will be in India..which kind of card should be recommended?
Rupay International Debit card.
Question replied on : 07.12.2018, Reference : DIGITAL BANKING DIVISION CIRCULAR NO: 52
/2017 Dated 16.08.2017
15. Can sms alerts be activated by non base branch?
 Yes any branch can register the customer for SMS Alerts services.
Question replied on : 07.12.2018
16. What is the criteria for enjoying Free Airport Lounge access using PNB RuPay Platinum Debit
Card?
Card should be in the name of passenger. This facility can be availed twice in a calendar quarter.
Question replied on : 07.12.2018, Reference : DIGITAL BANKING DIVISION CIRCULAR NO: 82 /
2017 Dated 08.12.2017
17. What is the daily limit of cash withdrawal and POS through international debit card abroad
and charges per withdrawal?
The per day withdrawal limit abroad is Rs. 50000/- and on POS it is 125000/- per day. The charges
for international usage is Rs. 150/- per transaction and Rs. 15/- for balance inquiry.
Question replied on : 07.12.2018, Reference : DIGITAL BANKING DIVISION CIRCULAR NO: 82 /
2017 Dated 08.12.2017 and DBD (then TBD) circular number 05/2014 dated 22.01.2014
18. Can we do alerts for a illiterate customer with a witness of literate cutomer?
If the mobile number is mentioned in the AOF (Account Opening Form) of illiterate customer, then the
separate witness for alerts is not required because the witness is a part of AOF itself. If the mobile
number is not initially mentioned in AOF and the customer approaches later on for addition of mobile
number, then the witness is required.
Question replied on : 07.12.2018
19. How to get password of personalized debit card?
Once the card is verified from the branch, card holder gets an OTP on his registered mobile number,
using which he/she can set ATM PIN at any PNB ATM, logging into Retail Internet Banking or at
www.netpnb.com.
Question replied on : 07.12.2018, Reference : DIGITAL BANKING DIVISION CIRCULAR NO: 29
/2016 Dated 23.05.2016
20. Customer is complaining about SMS charges which takes quarterly. How to cancel such
charges?
Modify the ALERTS menu and mark both‘’NON Man Info Alert’’ and ‘’Non Man Txn Alert’’ as NO.
Advise the customer that by doing so he shall receive only mandatory alerts on his mobile.
Question replied on : 07.12.2018, Reference : ITD/CBS Circular number 11 /2015 Dated 22.06.2015
21. If branch issues a Rupay platinum card to Women customer who open POWER SAVING
account then will Card issuance charges apply or not ?
The Rupay Platinum card issued in POWER SAVING account will be NIL.
Question replied on : 07.12.2018, Reference : RMD Consolidated circular No. 54/2017 Dated
25.08.2017
22. We want to get air ticket concession available on Debit card.
please visit www.pnbcard.in/login/ exclusive_offers.html for details.
Question replied on : 07.12.2018
23. How many debit cards I can get issued in one account?
There is no limit on issuing of debit cards in an account.
Question replied on : 07.12.2018
24. We have issued new debit card to a customer but only balance enquiry is done. No finacial
transaction can be done. Error is "Unauthorized debit card". What can be reason?
The account might be in frozen state. Kindly check.
 Question replied on : 07.12.2018
25. Kindly guide, which type of debit card is to be issued in PNB VIDYARTHI SAVING ACCOUNTS.
The account must be opened in SBVID scheme code. Please issue a classic debit card to the
student.
Question replied on : 07.12.2018, Reference : RBD (Resource) HO, CIRCULAR NO.84/2017 Dated
03.11.2017
26. We have issued a new debit card to a customer but OTP is not received on his registered
mobile number. How can we solve this problem?
If the mobile number is properly entered in ALERTS, then run option "O" in DCARD menu and ask
the customer to retry for generation of OTP after 24 hours.
Question replied on : 07.12.2018
27. Which type of debit card can be issued in SBBDA a/c?
Only PMJDY Card has to be issued in SBBDA Accounts.
Question replied on : 07.12.2018, Reference : DIGITAL BANKING DIVISION CIRCULAR NO: 82/
2016 Dated 03.12.2016
28. What are Concierge services?
Concierge services are addon services with Debit/ Credit Card and are available through toll free
number 1800 26 78729 on 24X7 basis. Services offered are: - Gift Delivery Assistance. - Flower
Delivery Assistance. - Restaurant Referral and Arrangement. - Courier Service Assistance. - Car
Rental and Limousine Referral and Reservation Assistance. - Golf Reservations. - Movie ticket
sourcing Assistance. - Car rental & Sight Seeing Assistance. - IT return assessment and filing
assistance. - Investment Consultancy – real Estate, Mutual Funds, Equity, Debts, F&Os. - Insurance
Consultancy – Life Insurance, General Insurance and Health Insurance
Question replied on : 07.12.2018, Reference : Please refer DBD Cir No. 52/2017 Dated 16.08.2017
29. What is the validity period of debit card?
The validity period of debit card is 7 years.
Question replied on : 07.12.2018, Reference : DBD (then TBD) circular number 05/2014 dated
22.01.2014
30. How to link more than one accounts with the same debit card?
2 more accounts opened under same CIF ID can be linked with one debit card while issuing of card
through DCARD menu. If a customer wants to attach the accounts at a later stage, the same can be
done through backend. For this purpose, you may lodge request through SPSD.
Question replied on : 07.12.2018, Reference : DBD Circular No.05/2014
31. Can we issue Debit Card in HUF Account?
Yes, Debit Card can be issued to Karta.
Question replied on : 07.12.2018, Reference : DBD Circular no. 05/2014
32. How to check the ACCOUNT NUMBER OR DETAILS of a customer using only Debit Card
number?
Use menu option HCDM to check the account details using Debit Card number.
Question replied on : 07.12.2018
33. How to check the validity of the ATM card,if card is not present physically,using only
ACCOUNT number?
Debit Card Expiry date is printed on Card itself and it cannot be verified through account number.
Question replied on : 07.12.2018
34. Are the accounts opened in PNB Rakshak Scheme before 12.07.2016 covered under PAI
coverage of Rs 3.00 Lakhs for person below officer ranks? Do the customers get claim of Rs
50000 and Rs 3.00 Lakhs in PNB Rakshak Scheme?
Since 16.03.2016 the Rakshak personal accident insurance cover has been delinked with the type of
card held by the customer and it has been linked to credit of monthly salary/pension for previous
three months. Personal Accidental Insurance coverage varies from Rs. 3.00 lakh to Rs. 10 lakhs.
Enhanced Accidental death insurance benefit is available in case of air travel, which varies from Rs.
5.00 lakh to Rs. 20.00 lakh.
Question replied on : 07.12.2018, Reference : RBD (RESOURCES) CIRCULAR NO.83/2017
35. In a Saving account, one primary and two add-on cards are issued. Whether all the three
persons are eligible for Accidental Insurance Claim?
Insurance cover is available to the customer for a single card. Addon cards are not covered under
this scheme. Moreover if the customer has 2 primary cards in his/her name, only one card is eligible.
Question replied on : 07.12.2018, Reference : DBD Circular no. 37/2017
36. Can we issue Debit Card any partner/ authorised signatory of a partnership firm? Mode of
operation: Any One Or Mode of operation: Authorised Signatory
We can issue a Business Debit Card to partnership firm in their current account. QAB requirement for
the same is Rs. 1,00,000/-.
Question replied on : 07.12.2018, Reference : DBD Circular no. 67/2016
37. How many accounts can be linked with a debit card?
One primary and two other accounts (total 3) can be linked to a debit card.
Question replied on : 07.12.2018, Reference : DBD (then TBD) circular number 05/2014 dated
22.01.2014
38. Can we issue an debit card in cc account?
Business debit card can be issued to corporate customers but it is to be attached with the current
account.
Question replied on : 07.12.2018, Reference : DBD circular No. 67/2016.
39. Customer has both rupay and mastercard debit cards in his DSP account. He died in a road
accident a month ago. Will the nominee get claim for both the debit cards or only one card?
The legal heirs can get claim for only one card. The claim can be made for the card which was used
by the customer within the prescribed limit of days before his death.
Question replied on : 07.12.2018
40. What are the features of master international emv debit card and how it is different from world
travel card prepaid card? Can cash be withdrawn outside India using master international
debit card immediately after issuance or any prerequisite to be done
International Debit Card is attached to account i.e. the amount can be withdrawn only if there is
balance available in the account, whereas World Travel Card is a prepaid card i.e. customer can
withdraw money upto the amount loaded in the card. Further, customer can immediately use the card
for cash withdrawal after activation of the card.
Question replied on : 07.12.2018
41. Can we issue debit card in Partnership firm account?
We can issue only Business Card in a current account.
Question replied on : 07.12.2018, Reference : DBD circular number 67/2016
42. What are the telephone numbers to send request for duplicate card pin.
5607040 and 9264092640
 Question replied on : 07.12.2018
43. Can we add a new OD ACCOUNT to existing ATM CARD of SB ACCOUNT.
Debit Card can be issued only in OD (Staff) and / or OD (Mudra) accounts. Other schemes are not
eligible for issuance of debit card.
Question replied on : 07.12.2018
44. As per RBI policy we have to give a compensation of Rs. 100/day if an failed ATM transaction
complaint is pending more than 7days. During such a case how we claim the amount from HO
if they have paid the compensation by debiting the suspense.
Please take up with [email protected] with complete case details i.e. Account number, amount
and date of transaction and compensation paid to the customer. It is further advised that before
making payment to the customer, please take approval from HO DBD by sending mail to above said
e-mail Id for analyzing and computation of claim amount.
Question replied on : 07.12.2018
45. Can we issue Rupay Platinum debit card to salary account holders where QAB is not
required? Will there be any issuance charge in 1st year and other consecutive years?
Yes we can issue Rupay Classic/Platinum card to salary account holders. It will be issued free of cost
but annual charges will be levied.
Question replied on : 07.12.2018, Reference : RMD circular 48/2017
46. How can we revert duplicate atm charges?
Please use menu option CCXLGST
Question replied on : 07.12.2018
47. Can we issue non personalized card to non base branch customer?
Customer may approach any of our branches, pan India, for issue of ATM/Debit Card. As the cards
are not branch specific, card numbers of such cards shall not carry any particular distinctive number
of any branch. However issuing branch must ensure KYC compliance of the account before issuing
ATM/Debit Card.
Question replied on : 07.12.2018, Reference : DBD Circular 05/2014
48. What is the maximum limit of pnb platinum debit card per day issued to staff?
The per day cash withdrawal limit on Platinum debit card is Rs. 50,000/- and on POS/Online
shopping it is Rs. 1,25,000/- per day for all card holders, including staff.
Question replied on : 07.12.2018
49. How to upload Rupay Kissan ATM Cards in bulk?
As of now, there is no such option in Finacle for bulk uploading/ issuance of Kissan ATM Cards.
Question replied on : 07.12.2018
50. Can we issue and activate more than one Debit cards on one account, if yes then what are
their limits if one card is classic mastercard and other is platinum master card ?
Yes, we can issue more than one card in an account. The second card will be treated as duplicate
card and there will be issuing charges also on the second card, as per the type of card. The cash and
other limits will be as per the type of the card. For classic card the per day cash limit is Rs. 25000/-
and for Platinum card it is Rs. 50,000/- per day. Online/POS limit on Classic card is Rs. 60,000/- Per
day and for Platinum card it is Rs. 125000/- per day.
Question replied on : 07.12.2018
51. Please provide the email ids for lodging complaints regarding pos transaction ,debit card
related issues.
 For PoS related issues, e-mail ID is [email protected] and for debit card related issues, you may
send mail to [email protected] Further you may lodge the complaint through SPSD also.
Question replied on : 07.12.2018
52. What is the cash withdrawal limit per day for platinum debit card?
Rs. 50,000/day
Question replied on : 07.12.2018

Product: Digital

1. Can a customer receive account statement of his/her account through email on weekly
/fortnightly basis?
Presently the facility is available on monthly basis only.
Question replied on : 07.12.2018
2. A customer made an insta transfer using IMPS platform, the a/c got debited but transferee a/c
did not get credited . What would be the fate of the money
Kindly lodge his request on SPSD or send mail to [email protected]
Question replied on : 07.12.2018
3. What is fund transfer limit through IMPS?
There is a maximum ceiling of Rs.50000/- per day that can be transferred through IMPS in the branch
and Internet Banking, but on ATM the per day ceiling is Rs. 10,000/- only.
Question replied on : 07.12.2018, Reference : DBD circular number 33/2016 dated 17.06.16
4. An a/c was being opened jointly with clause e/s with one customer being literate and another
one is illiterate, first name is of illiterate person. Can we issue a cheque book in the a/c?
In such an account the cheque book can be issued.
Question replied on : 07.12.2018, Reference : RMD Circular no. 67/2017 Dated 29.08.2017
5. Please inform financial limits and timings using digital products like mobile banking, internet
banking through branch and online also.
Internet Banking and Mobile Banking services are available 24X7, however for some of the services,
there are time restrictions like transfer to PPF account through IBS online is permitted till 8:00 PM,
online FD account cannot be opened after closure of SOL. The per day fund transfer limit through
Internet Banking is Rs. 15.00 lakh and through Mobile Banking is Rs. 1.00 lakh.
Question replied on : 07.12.2018
6. How to generate digital life certificate for pensioners?
Pensioner drawing pension from any of the Authorized Banks can submit digital life certificate at any of
our branches. For the purpose, Pensioners need to biometrically authenticate himself/herself by
visiting at our branch and has to tender his/her Aadhaar No., Pension Payment Order No., Bank
Account Number and Mobile Number. The branch officials need to download an application from
JeevanPramaan portal at Computer with CBS connectivity to be compatible to submit digital life
certificate.
Question replied on : 07.12.2018, Reference : GBD Circular No. 146/17 Dated 13.11.2017

Product: Digital Products

1. How can we get information about all digital products of PNB?

You may refer PNB Knowledge Park (link available on Home page of e-circular site).
Question replied on : 07.12.2018
Product: FASTAG

1. I have forgotten my FASTAG login password. Trying to get OTP from Link " FORGOT
PASSWORD" but no avail. Please help
Please send a complaint mail to [email protected] and [email protected] with
copy to [email protected]
Question replied on : 07.12.2018

Product: Internet Banking

1. WHETHER FUNDS CAN BE DIRECTLY CREDITED TO LOAN ACCOUNTS THROUGH

NEFT/RTGS? IF YES, IS THERE ANY EXCEPTION?
Yes, without any exception.
Question replied on : 07.12.2018
2. Can "PNB SURAKSHA" a cheque protection system facility can be given through CBS to
customer or the customer can only avail it through IBS?
Yes, it is available on certain accounts
Question replied on : 07.12.2018, Reference : RBD (RESOURCES) CIRCULAR NO. 58/2017
3. Where to lodge complaints regarding the corporate net banking?
For any query/complaint about Corporate Internet banking the mail ID is [email protected].
Question replied on : 07.12.2018
4. One of our retail Current account customers uses In retail internet banking customer wants to
raise the per day transaction limit. How can we do?
In PNB Retail Internet Banking the maximum amount of per day transfer limit is set at Rs. 15 lakh only.
It can' t be raised.
Question replied on : 07.12.2018
5. What are the charges of NEFT and RTGS done by customers through their RETAIL INTERNET
BANKING?
RTGS Charges through Net Banking Rs. 2 lacs to Rs. 5 lacs: Rs 25/; - Above 5 lacs : Rs.45/- NEFT
Charges through Net Banking: Upto Rs. 5000/-: Nil, Above Rs. 5000/- to Rs. 10000/- - Rs. 2/- +GST ,
Above Rs. 10,000/- to Rs. 1.00 lakh – Rs. 5/- +GST, Above Rs.1,00,000/- to Rs.2,00,000/- : Rs. 15/-
+GST, Above Rs.2,00,000/-Rs. 25/- +GST
Question replied on : 07.12.2018, Reference : DBD Circular no. 51/2017, 79/2017, 56/2013
6. Can we give corporate internet banking to trust account?
Yes we can give corporate internet banking to Trust accounts.
Question replied on : 07.12.2018, Reference : DBD circular number 25/2018
7. We have applied for the netbanking password of a customer six months ago but password has
not been received at our branch till date. Now while applying again for the password (user
creation) it shows internet banking already availed. What is the correct m
In this case the duplicate printed password can be applied through ADCREQ > P > R.
Question replied on : 07.12.2018
8. How to activate internet banking account from branch?
If it is Retail internet banking then activate the same through ADCREQ and if it is Corporate internet
banking it should be activated through Relationship Manager
Question replied on : 07.12.2018, Reference : DBD Circular number 37/2016 and 61/2015
9. How to change sign on/transaction password in internet banking because whenever we change
it shows unsucessful attempt. Kindly guide.
 If you remember the old passwords then after log in go to Personal Settings> Security Settings..and
3rd and 4th link is to change passwords. Here system will ask for your old passwords. But in case you
have forgot your passwords or these are blocked then after login, go to the link "Forgot Password" and
here you can reset your new passwords. Here system will not ask for old passwords. But you must
have your active debit card of the account and the SMS facility must be enabled also.
Question replied on : 07.12.2018
10. WHETHER IMPS FACILITY IS AVAILABLE THROUGH INTERNET BANKING FOR NRE
CUSTOMERS?
Yes. Please refer DBD Circular no. 44/2013 page number 9.
Question replied on : 07.12.2018
11. CAN ANY CUSTOMER AVAILING CORPORATE NET BANKING OPEN THE ONLINE FIXED
DEPOSIT ACCOUNT THROUGH CORPORATE ONLINE NET BANKING?
Presently the facility of opening online FD is not available in Corporate internet banking.
Question replied on : 07.12.2018
12. Whether Auto OD facility is available in internet banking?
No. It is not available.
Question replied on : 07.12.2018
13. While doing transaction through net banking error message shows "NO ELIGIBLE FROM
ACCOUNT FOUND FOR THE USER." Please guide .
Please ensure that customer has operative account in his/her customer ID. If yes, then the customer
might be trying to login before 48 hours of activation of passwords.
Question replied on : 07.12.2018
14. Can we provide view/view and transaction facility through internet banking to Cash Credit a/c
holder.
Yes, they can be given transaction rights in internet banking.
Question replied on : 07.12.2018
15. We have wrongly issued retail banking to one customer. Now while registering for corporate
internet banking it is showing "Registered for retail banking". kindly guide.
Please send a scanned copy of PNB 1212 (Corporate IBS Registration Form) duly signed by the
customer with your recommendations to HO DBD through SPSD for doing the needful at their end.
Question replied on : 07.12.2018
16. Is savngs bank account opned under guardianship eligible for Internet Banking Facility ?
No. In Under guardianship account IBS facility is not allowed.
Question replied on : 07.12.2018, Reference : RBD(Resource)HO, CIRCULAR NO.31/2017.
17. Customer has forgot the answers of security questions in Internet Banking, so he is unable to
process any transaction. What is the solution?
In case of wrong answers of security questions, his account will be disabled for 24 hours and after
that the customer can reset all his credentials at his own.
Question replied on : 07.12.2018, Reference : DBD Circular No. 50/2015 Dated 03.08.2015
18. How many accounts can be operated (Opened in one cust id) through Internet banking?
There is no such limit. All accounts opened under same customer ID are by default available and
accessible in Internet Banking.
Question replied on : 07.12.2018
19. How to register a customer for corporate internet banking?
 Obtain application on Form number PNB 1212 and other supported documents (like copy of Board
Resolution, MOA/ AOA in case of company). Login into Relationship Manager (Corp), Click on
Corporate Onboarding. This is a three step process, which is user friendly. You need Relationship
Manager ID and passwords of atleast 2 officials (maker and checker), which can be got created
through Circle Office by lodging request in SPSD. After checking of all the details, One Corporate ID
and one Administrator USER ID will be generated. Then link the pre-printed passwords (UID-KIT),
(which are already available in the branch) with the account and the process is complete. Please
refer ITD CBS Circular no. 15/2015.
Question replied on : 07.12.2018, Reference : ITD CBS Cir. No. 15/2015 dated 26.02.2015
20. While using Retail Internet Banking the message shown to a customer is " Login not allowed.
Please contact the branch to activate the account". What to do now?
User ID of this account has expired. You can check the status in Relationship Manager. In such case,
user needs new passwords to be set (at his own if he has active debit card and SMS Alerts facility or
to be issued by the branch through ADCREQ>P>R.
Question replied on : 07.12.2018
21. Can a customer close an FDR prematurely, using online banking services?
Only e-FDR (FDR got issued online only) can be closed through Internet Banking before maturity.
Question replied on : 07.12.2018
22. In corporate Internet Banking the message is displayed "Number of beneficiary can be added
in a day is not set". What is the solution?
The corporate user can set his own limit for addition of number of new beneficiaries by visiting "Set
Limits". The administrator has to approve the same. After that only the transaction can take place.
Question replied on : 07.12.2018
23. one customer is not getting OTP on his registered mobile number for IBS (retail) and another
customer for IBS (corporate). Please help?
Please check in "Alerts" menu in the branch for Retail Internet Banking. In case of IBS - Corporate,
Login to "Relationship Manager - Corporate" and click on the tab "Corporate Administration" click on
sub-option "User Maintenance". It might be disabled there. Enable the same.
Question replied on : 07.12.2018
24. A customer has opened an Intersol RD account via NET BANKING. Now customer has visited
our branch close that RD account.Can we close this RD account?
The premature cancellation of RD account can be done from base branch only.
Question replied on : 07.12.2018, Reference : DBD 91/2017 dated 30.12.2017
25. A customer's mobile number is registered in two accounts (One saving and one current). He
has Internet Banking Facilities in his savings account. How can he avail the same facilities on
his current account?
The Retail Internet Banking Facility is provided on Cust ID and not on account number. If both the
accounts (Savings as well as current) are opened in the same cust ID and Net Banking facility is
available in savings bank account then the customer can access not only his current account but all
the accounts opened with same Cust Id through Internet Banking.
Question replied on : 07.12.2018
26. One of our corporate client has forgot their admin password. How to get new password now?
The corporate has to submit request on PNB 1213 to the branch. A new password (UID KIT) will be
issued by the branch after linking the same to the account through Relationship Manager. These UID
KITs are available in all the branches and are generic in nature.
 Question replied on : 07.12.2018, Reference : DIGITAL BANKING DIVISION CIRCULAR No.
25/2018 Dated 15.03.2018
27. The customer has one account in some other branch with Internet Banking facilities enabled.
Now he has opened another account in our branch. How to enable the Internet Bankaing
Facilities in this new account?
The Retail Internet Banking Facility is provided on Cust ID and not on account number. If both the
accounts (Savings as well as current) are opened in the same cust ID and Net Banking facility is
available in savings bank account then the customer can access not only his current account but all
the accounts opened with same Cust Id through Internet Banking.
Question replied on : 07.12.2018
28. Is HUF account eligible for Retail Internet Banking or Corporate Internet Banking?
HUF account is eligible for Corporate Internet Banking only.
Question replied on : 07.12.2018, Reference : DIGITAL BANKING DIVISION CIRCULAR No.
25/2018 Dated 15.03.2018
29. How can we transfer funds to a term loan account by using net banking or mobile banking?
Transfer to loan account through IBS is permitted only if the account is in the same name, opened
under same customer ID. Through Mobile Banking, transfer to loan account service is not available.
Question replied on : 07.12.2018
30. What are the facilities available for NRI Customers through PNB Internet Banking Services?
NRI customer can do all the activities like Funds Transfer: NEFT/IMPS, Transfer to own a/cs and
other accounts, with following combinations: i. NRE to domestic accounts. ii. NRO to domestic
accounts. iii. NRE to NRO accounts. Except credits in NRE accounts.
Question replied on : 07.12.2018
31. A customer has only view facility in Internet banking. Now he wants transaction facility also.
What is the procedure.
Customer can enable his transacton password at his own by using a valid debit card. On the main
page, where he has to put his USER ID, at the bottom of that page, there is a link... "Enable
Transaction Facility". In case of branch, the menu option is ADCREQ > Modify> Add and then the
facility is to be chosen as VT
Question replied on : 07.12.2018, Reference : DIGITAL BANKING DIVISION CIRCULAR No. : 85
/2016 Dated 16.12.2016
32. In corporate internet banking the C user has forgot his password. Can he reset his passwords
at his own?
Only Admin of the account can reset the password of C user
Question replied on : 07.12.2018, Reference : DIGITAL BANKING DIVISION CIRCULAR No.
25/2018 Dated 15.03.2018
33. How to delete any request at Branch level in corporate internet banking ?
Checker can reject the request initiated by the Maker by logging in Corporate RM under the tab -
Bank User Approval.
Question replied on : 07.12.2018, Reference : DIGITAL BANKING DIVISION CIRCULAR NO.
61/2015 Dated 09.10.2015
34. How can a customer create SIM through Internet banking?
While initiating transaction, set maturity instruction flag as "Recurring". System will ask for number of
installments and frequency. Set the same according to your requirement. By default this flag is set as
"One time".
 Question replied on : 07.12.2018
35. To whom we can issue internet banking (corporate)?
We may issue corporate internet banking to all the customers except accounts opened under the
constitution Code Individual (001)
Question replied on : 07.12.2018
36. One of the customers' Net banking has been blocked due to wrong passwords. How to reset?
Customer using Retail Net Banking can reset his password at his own by clicking on the link "Forgot
Password" at password page using his debit card credentials. Alternatively you may submit request
for duplicate password through Finacle menu - ADCREQ> P>R option.
Question replied on : 07.12.2018, Reference : DBD Circular No. 50/2015 Dated 03.08.2015
37. How to disable IBS facilities?
Customer can disable IBS at his own by clicking the link "Disable Internet Banking" available on
Home page of Internet Banking. In the branch it can be done through ADCREQ-->Create-->Delete
Question replied on : 07.12.2018, Reference : DIGITAL BANKING DIVISION CIRCULAR NO.
50/2015 Dated 03.08.2015 and DBD Circular number 37/2016 Dated 27.06.2016
38. Kindly guide us how to issue netbanking to partnership firm.
Please obtain Form no. 1212 and other supporting documents and register the customer for
Corporate Internet Banking facilities through Relationship Manager (Corporate).
Question replied on : 07.12.2018
39. A corporate customer got enabled in alerts in retail. We need to give him corporate net
banking. What is the solution?
Disable alerts in Retail and register in Alerts > Corporate category.
Question replied on : 07.12.2018
40. Is it possible to do IMPS transactions with Corporate Internet Banking?
IMPS feature is currently not available in Corporate internet banking.
Question replied on : 07.12.2018
41. Can a Proprietor having CC account with us register online for Intenet Banking services using
Debit Card?
In Cash Credit Accounts, Debit Cards are not permitted. Further online registration facility is not
available in Proprietorship accounts (where mode of operation is - Proprietor)
Question replied on : 07.12.2018, Reference : DBD Circular no. 82/2017, 44/2013
42. Can we issue internet banking to customers having cash credit account?
Yes, we can. Our Internet Banking Services are based on CIF ID. All the accounts opened under a
CIF ID will be by default available/ accessible through Internet Banking.
Question replied on : 07.12.2018, Reference : DBD Circular No. 44/2013
43. Today I opened a staff clean OD account but it is not reflected in his internet banking. Why
so?
Sometimes it takes 24 hours in updation of new account into IBS system. Please wait for one day.
Question replied on : 07.12.2018

Product: Kitty

1. What is the limit for non- PNB customers in PNB Kitty?

Kitty limit for Non PNB customers is Rs. 10,000/- per month subject to maximum of Rs. 1,00,000/- per
financial year.
 Question replied on : 07.12.2018, Reference : DBD Circular no. 03/2018

Product: Knowledge Centre

1. I am not able to open internal circular letters. Please guide how I can open the same?
The access to open Internal Circular Letters has been given to Officers in Scale IV and above only.
Question replied on : 07.12.2018

Product: Mobile Banking

1. An NRI customer wants to avail Mobile Banking Facilities. On which number are these
available?
Mobile Banking services are available for NRI Customers on their domestic as well as International
Mobile Number.
Question replied on : 07.12.2018, Reference : DIGITAL BANKING DIVISION CIRCULAR NO. 68/2015
Dated 04.12.2015
2. What is MMID?
MMID (Mobile Money Identifier) is a 7 digit unique number issued by Banks enabling their customers
to accept interbank funds through IMPS. A customer can make IMPS transfer to a person using
Account number and IFSC or MMID and registered Mobile Number.
Question replied on : 07.12.2018, Reference : DBD Circular no. 33/2016

Product: Prepaid Card

1. What is the menu for reloading SUVIDHA CARDS?

Use menu option PPCLTM
Question replied on : 07.12.2018
2. How to retrieve the password of suvidha card?
Request for duplicate pin of Suvidha Card shall be submitted through Finacle Menu Option DPINREQ.
Question replied on : 07.12.2018

Product: Relationship Manager

1. How to get password for Relationship Manager?

To generate passwords for Relationship Manager please send request through SPSD.
Question replied on : 07.12.2018

Product: Software

1. IS ANY SOFTWARE AVAILABLE TO MSME NOTE AND SANCTIONED LETTER WITH

DOCUMENTS?
You can use CLPMS link available on Finacle Home Page in Non-CBS applications. To get User ID
and Password of CLPMS, please contact your Circle Office (Credit Division).
Question replied on : 07.12.2018

Product: Statement

1. How to enter email id for a customer ac for per month statement purpose?
Please enter e-mail ID of the customer in CRM under Contact tab.
 Question replied on : 07.12.2018

Product: World Travel Card

1. What are the transaction limits for World Travel Card?

Maximum limit per day USD 1000/ Euro 800/ GBP 500
Question replied on : 07.12.2018

Product: Yuva

1. What is the minimum balance required to be maintained in PNB Yuva account?

There is no minimum limit and QAB can be ZERO.
Question replied on : 07.12.2018, Reference : RMD Circular 57/2016 Dated 11.11.2016

Topic: FINACLE 10
Product: Cash credit

1. How to check Drawing power of a CC account?

Invoke menu HACCBALI / HACCBAL
Question replied on : 31.03.2018
2. How to enhance sanction limit of CC/OD account?
Step 1. Run menu HACLHM. Modify maximum amount limit as per new sanction. Select the record,
enter sanction date, documentation date and click on submit. Get the record verified. Step2. Run
menu HACLHM and modify the amount in sanction limit and submit. Get the same verified.
Question replied on : 31.03.2018
3. How to substitute Stock statement?
Step 1: 1. Go to HCLL menu to get the Primary Collateral ID. 2. Run HCLM menu, function code-
Substitute. 3. Go to Particulars tab, enter the receiving date and press submit. 4. Get the same
verified. A new collateral ID will be generated. Please note the same. Step 2: 1. Go to HCLL to view
the new Collateral ID created as above, if not noted earlier. 2. Run HCLM, function code Modify. 3. Go
to Net Value Tab. In front of Gross value field- modify amount as 0. 4. In first row, first column enter
description as Stock, Component Value as Stock amount, Loan to value percentage as 100%, Margin
as 0% and click on validate. 5. See the total amount field, it should be your total value to security. 6.
Click on submit and get the same verified. Step 3: Run HSCLM, function Modify. Modify apportioned
amount as per current value of collateral and click on submit. Upon verification the DP will be got
affected as per new value of stock. Please note that if current Stock value is lesser than the previous
stock value, then Step 3 will be performed before Step 2.
Question replied on : 31.03.2018

Product: CBS-CRM

1. How to EDIT CIF in FIN10?

1. Go To CRM->FUNCTIONS->CIF RETAIL/CIF CORPORATE->EDIT ENTITY 2.Navigate to Edit
Entity and select the Entity type and enter the CIF ID for modification. 3. Click Submit. 4. The search
results are displayed. 5.Right click the CIF ID and select the Edit option. 6. Select the details to be
modified. Note: A Supervisor needs to verify the record submitted for modification.
Question replied on : 24.04.2018
2. Not able to EDIT CIF in CRM
 In CRM->EDIT ENTITY DETAILS when CIF data shows, branches are clicking left mouse button over
CIF ID. By left click system shows CIF DATA in protected form. Instead of left click use right click on
the CIF id and go to EDIT ENTITY->GENERAL DETAILS and do the modifications and SUBMIT.
Question replied on : 24.04.2018
3. CUSTOMER ID showing NON KYC compliant while a/c opening
A CIF ID is NON KYC COMPLIANT, due to following reasons. 1. Documents for customer under
DOCUMNET TYPE IDPRO (id proof) /ADDPR (Address Proof) are not entered in IDENTIFICATION
DOCUMENT TAB. 2.PROFESSION/ACTIVITY not entered in GENERAL/BASIC INFO TAB 3.RISK
CATEGORY not entered in GENERAL/BASIC INFO TAB 4.TOTAL ANNUAL INCOME not entered in
GENERAL/BASIC INFO TAB 5. OCCUPATION not entered in DEMPOGRAPHIC/EMPLOYMENT
DETAILS 6.RING FENCED is marked as Y in GENERAL/BASIC INFO TAB Check the above
mentioned fields for any NON KYC compliant CIF and enter the data wherever it is blank. SOME
COMMON ISSUES NOTICED DURING CIF VERIFICATION PROCESS
Question replied on : 24.04.2018
4. During verification while clicking on hyperlink in CURRENT PROCESS STEP, system display
blank page, showing message FUNCTION EXPECTED.
COMPATIBILITY VIEW SETTINGS are not added at the time of login. 1. Log out from existing
session. 2. Open a new session in new internet explorer COMPATIBILITY VIEW SETTINGS (a site
pnb.co.in will show in top box)3.Go to TOOLS 4.Press ADD and this site will come down to lower box.
Press 5. CLOSE and then login and start work in CRM.
Question replied on : 24.04.2018
5. I have transfer the CIF ID pending for verification from BUSINESS CENTER GROUP to SELF
TRAY, but in SELF/SUBMITTED FOR APPROVAL it is not showing, page is showing blank.
In SELF tray, action SUBMITTED FOR APPROVAL when CIF id is not displaying for verification. Right
click over white screen which is showing blank and go to VIEW SOURCE, if following error message is
displayed “OPERATION COULD NOT BE COMPLETED, PLS RETRY AFTER SOMETIME. IF
PROBLEM PERSISTS CONTACT SYSTEM ADMIN” System will not display CIF ID if above message
is displayed, don’t try over that session again and again. Open a new session in new browser, delete
the cookies and add compatibility view settings before login and do the verification process again. This
is a temporary issue, raised to INFY team for solution, till the time solution is provided please follow
the above mentioned instructions.
Question replied on : 24.04.2018
6. I have modified/created the CIF, but at the time of verification system display message “YOU
ARE TRYING TO VERIFY ANOTHER SOL CIF” or system is not showing the CIF in BUSINESS
CENTER TRAY or STATUS is showing as ‘R’ or ‘D’ in DAYRPT 1/60.
Please generate DAYRPT 1/60 and check the STATUS and ASSIGNED TO user ids. If status is ‘D’-
DRAFT or ‘R’- REJECT then CIF will be lying in SELF/SAVED tray of the maker user id due to
following reasons: Either CIF is not SUBMITTED successfully or Branch may have modified the data
in GENERAL DETAILS TAB but there may be data unfilled which is mandatory in some other tab e.g.
AVAILED TRADE SERVICES modified to Y, but TRADE FINANCE TAB not filled with mandatory
data. For such CIF verification, go to CRM->ENTITY QUEUE, SELF/SAVED tray of maker and
SUBMIT. System will display the CIF ID, right click on this CIF go to EDIT->GENERAL DETAILS and
SUBMIT. If any mandatory field is blank system will ask to enter it otherwise will give message
SUBMIT SUCCESSFULLY and in DAYRPT1/60 also STATUS will change from D or R to F (retail) or
U (corporate). After this CIF will be parked in BUSINESS CENTER GROUP/CIF CHECK GROUP.
Verify the CIF as per following process: 1. Under CIF retail/corporate, click on Entity Queue. 2. Select
the Tray type as Business Centre group. 3. Select GROUP as CIFCHECKGROUP. 4. Select BC, as
 your sol id from dropdown 5.Enter CIF ID to be verified in ENTITY ID. 6.Click on GET. 7. System will
display message: “ENTITY HAS BEEN SUCCESSFULLY MOVED TO THE SELF TRAY” 8. Press OK
on above displayed message 9.CIF entered for verification will move from BUSINESS CENTER
GROUP to SELF TRAY of the checker. 10. Select Tray type as SELF, ACTION as SUBMITTED FOR
APPROVAL and press SUBMIT. 11. CIF to be verified will show in the box, if not displayed please
refer ISSUE NO. 2 of this document 12.Tick the right hand side check box of the displayed CIF ID.
13.A new TAB CURRENT PROCESS STEP will display at the bottom. 14. Click on Current process
step. 15. A hyper link Approval with process time is shown. Click on it. 16. A new window opens.
Select Decision as Approve from the drop down. 17.Click on Save approval form. CIF is verified now.
18. Do HCCFM and open ACCOUNT
Question replied on : 24.04.2018
7. STATUS is showing as ‘F’ in DAYRPT 1/60 for retail customer ids and ‘U’ for corporate
customer id.
Please generate DAYRPT 1/60 and check the STATUS and ASSIGNED TO user ids. IF status is ‘F’ in
RETAIL or ‘U’ in CORPORATE and ASSIGNED TO user id is blank, this means CIF is submitted
successfully by MAKER and it will be lying in the BUSINESS CENTER GROUP/CIF CHECK GROUP
tray combination. Login with verifier user id and verify this CIF as per process mentioned above. In
APPROVAL PROCESS, in DECISION field, select APPROVAL for verification and CLOSE for
cancelation.
Question replied on : 24.04.2018
8. RETAIL CIF-GENERAL- BASICINFO/DEMOGRAPHIC : All the Mandatory fields are not entered.
System will not allow creating CIF till all the mandatory fields are entered in all the TABS. System will
guide the user to enter mandatory fields if user press SUBMIT before entering all the details.
Question replied on : 24.04.2018
9. RETAIL CIF-GENERAL- CURRENCY : Please enter at least one Currency Detail under the
General Tab.
One currency is mandatory to be entered for CIF creation. Go to CURRENCY TAB, Press ADD CCY
and SAVE
Question replied on : 24.04.2018
10. RETAIL CIF-GENERAL- CONTACT-ADDRESS : • PERMANENT ADDRESS is mandatory please
provide valid details. • At least one address detail should be of type (Communication). •
Preferred ADDRESS not selected.
User has to enter two addresses for creating a RETAIL CIF. 1.COMMUNICATION 2.PERMANENT If
both the communication and permanent addresses are same, user should first enter communication
address and then use COPY ADDRESS and change the ADDRESS TYPE to PERMANENT is 2nd
address.
Question replied on : 24.04.2018
11. RETAIL CIF-GENERAL- CONTACT-ADDRESS : NRE REALTIVE ADDRESS is mandatory
In case of NRE customer ‘NRE RELAIVE ADDRESS’ is mandatory to be entered. In ADDRESS sub
tab select the address type as NRERELATVE and enter the address.
Question replied on : 24.04.2018
12. RETAIL CIF-GENERAL- CONTACT-PHONE & EMAIL : MOBILE NO. is mandatory, please
provide valid details
MOBILE NO. is mandatory to be entered . Add the MOBILE NO in PHONE & EMAIL tab.
Question replied on : 24.04.2018
13. RETAIL CIF-GENERAL- IDENTIFICATION DOCUMENT DETAILS : • Enter the identification
document details. • TAX PROOF is mandatory. • ADDRESS PROOF is mandatory
 For creation of a Retail CIF following three DOCUMENT TYPES are mandatory to be entered in
IDENTIFICATION DOCUMENT TAB. 1.TAXPR - TAX PROOF (Only One) 2.IDPRO – ID PROOF
(Minimum One) 3.ADDPR – ADDRESS PROOF (Minimum One)
Question replied on : 24.04.2018
14. RETAIL CIF-GENERAL- IDENTIFICATION DOCUMENT DETAILS : Please select one preferred
identification details
As minimum three documents are mandatory to be entered, user has to select one document as
preferred out of the documents entered in field ‘IS PREFERED’
Question replied on : 24.04.2018
15. RETAIL CIF-GENERAL- IDENTIFICATION DOCUMENT DETAILS : Please add the identification
details for passport
In case of NRE customer one document under DOCUMENT CODE ‘IDPRO’ should be PASSPORT.
Question replied on : 24.04.2018
16. RETAIL CIF-GENERAL- IDENTIFICATION DOCUMENT DETAILS : The provided document is
not available for future use.
For migration purpose all the documents n CUMM # details are migrated. But as per out KYC policy
only valid documents are allowed to use. For all the invalid documents mentioned error will display.
User has to select a valid document type for creation of a CIF.
Question replied on : 24.04.2018
17. RETAIL CIF-GENERAL- IDENTIFICATION DOCUMENT DETAILS : PAN must be in format
AAAPADDDDA
For retail CIF 4th character of PAN should be P.
Question replied on : 24.04.2018
18. RETAIL CIF-GENERAL- IDENTIFICATION DOCUMENT DETAILS : EITHER PAN IS INVALID pr
PAN is not getting validated from NSDL site.
PAN can be entered as both ID PROOF, TAX PROOF in RETAIL CIF and only as TAX PROOF in
CORPORATE CIF. Whenever PAN No. is entered in UNIQUE ID field, system will validate the PAN
from NSDL site and display the name of PAN holder in EMARKS field. If the PAN STATUS is valid
from NSDL site then only CIF will allowed to open with this PAN. Otherwise this error will display.
Question replied on : 24.04.2018
19. RETAIL CIF-GENERAL- IDENTIFICATION DOCUMENT DETAILS : AGRICULTURE/NON
AGRICULTURE INCOME are mandatory.
Under DOCUMENT CODE ‘TAXPR’ if user has entered FORM60, then these fields in
GENERAL/BASIC INFO TAB are mandatory to be entered.
Question replied on : 24.04.2018
20. RETAIL CIF-GENERAL- IDENTIFICATION DOCUMENT DETAILS : AADHAR CARD is a
mandatory ID PROOF. If AADHAR CARD is not available provide AADHAR ENROLMENT No.
As per PMLA AADHAR is a mandatory id proof. If user try to open CIF without entering AADHAR No.
system will display this error message. If AADHAR is not available open CIF with IDPRO as UIDEN.
Question replied on : 24.04.2018
21. RETAIL CIF-GENERAL- IDENTIFICATION DOCUMENT DETAILS : As current Address is same
as per UIDAI, kindly provide only AADHAR Card as Address Proof. No other OVD should be
accepted as Address Proof.
As per PMLA AADHAR is a mandatory id proof. When user select DOCUMENT CODE as UIDAI,
“Current Address Available in Aadhar Card” will be mandatory to be entered. If value is Y for this field
 then only AADHAR can be entered as ADDRESS PROOF under DOCUMENT CODE ‘ADDPR’.
Question replied on : 24.04.2018
22. RETAIL CIF-GENERAL- IDENTIFICATION DOCUMENT DETAILS : This document is already
entered in CIF ID, use CIF ID instead of creating new one.
System will run DEDUP on all the documents under IDPRO and mentioned error will display if
already any CIF is available with the entered documents.
Question replied on : 24.04.2018
23. RETAIL CIF-GENERAL- IDENTIFICATION DOCUMENT DETAILS : Value I want to enter for any
field is not displaying in the searcher values
In searchers display only 8 pages displayed at a time. For search any value please suffix * to the
known value. E.g. for city code if you know the value as DELHI but not know the code or value.
Search the code as D* , system will display all the city values starting with D.
Question replied on : 24.04.2018
24. RETAIL CIF-GENERAL- IDENTIFICATION DOCUMENT DETAILS : I have created/edited a CIF,
but during verification system not allowing to move the CIF in to SELF TRAY with message as
INTERSOL VERIFICATION not allowed.
CIF will be allowed to verify from the same sol where it is created or edited. In such cases may be
user has been transferred from one sol to another and user sol has been changed using menu
HCSE. But HCSE will not effect changes in CRM, So every time a user is change from sol to another
branch user/C.O. has to lodge a call in SPSD to transfer the user in CRM also.
Question replied on : 24.04.2018
25. RETAIL CIF-GENERAL- IDENTIFICATION DOCUMENT DETAILS : Searchers are not showing
any values
User may not have added the site in COMPATIBILITY VIEW SETTINGS. For adding site in
COMPATIBILITY VIEW SETTINGS. Go to TOOLS > COMPATIBILITY VIEW SETTINGS and press
ADD Site showing in ADD THE WEBSITE will be added in WEBSITES ADDED FOR COMP. VIEW
and system will start showing searcher values. Do this exercise once you start your day, as system
log out the user when user add this settings
Question replied on : 24.04.2018
26. CCBM ENAHNCEMENT
CCBM functionality is enhanced now. Branch will be able to enter all the mandatory data of customer
in CCBM. Enter all the data correctly as this data will flow to CRM and user will be able to open
account after doing verification of CCBM and HCCFM. For capturing data which is not mandatory but
user wants to enter, for that user has to EDIT the CIF in CRM. Before verification system will do AML
scanning and PAN validation. So there may be errors like 1) AML STATUS NOT AVAILABLE 2)
CUSTOMER IS RED FLAGED 3) PAN VALIDATION NOT DONE For 2nd error branch can use
AMLEXCP (As per Branch Decision to override the exception) and then verify CCBM. For 1st and 3rd
errors branch has to wait for the response and then verify.
Question replied on : 24.04.2018

Product: CBS-CUMM

1. How To Create CIF Of NRI Customer Not Having Aadhaar Number

Aadhaar authentication is not mandatory for NRIs. You may create CIF ID of NRI directly in CRM.
Question replied on : 29.06.2018
2. How to remove TDS Customer ID in CIF? This field is not editable.
 Click on Reverse arrow next to searcher of the TDS Cust ID field to remove the Customer ID.
Question replied on : 22.06.2018
3. PAN Inquiry
PAN can be inquired using menu option PANINQ or CUSTSRCHto inquire PAN on basis of CUST ID -
PANINQto inquire CUST ID on basis of PANMOBILE Numberothers - CUSTSRCH
Question replied on : 21.06.2018
4. Transfer is not allowed in CRM verification when CIF is in Unverified stage and concerned
maker/checker is absent.
Menu option CUSTSTAT is made available in CORESERVER to perform following functionalities. •
Inquire the status of a unverified CIF • To change the Assigned to user of a unverified CIF • To change
the Maker of a unverified CIF CIF status 1) F,D,R for Retail CIF 2) U,D,R for Corporate CIF
Question replied on : 21.06.2018
5. CUSTOMER ID showing NON KYC compliant while a/c opening
A CIF ID is NON KYC COMPLIANT, due to following reasons. Documents for customer under
DOCUMNET TYPE IDPRO (id proof) /ADDPR (Address Proof) / Taxpr (Taxpr)are not entered in
IDENTIFICATION DOCUMENT TAB for RETAIL CIF and DOCUMENT TYPE Please make IDPRO as
is preferred CORP not entered for CORPORATE CIF. • PROFESSION/ACTIVITY not entered in
GENERAL/BASIC INFO TAB • RISK CATEGORY not entered in GENERAL/BASIC INFO TAB •
TOTAL ANNUAL INCOME not entered in GENERAL/BASIC INFO TAB for RETAIL CIF ONLY • RING
FENCED is marked as Y (It should be N) in GENERAL/BASIC INFO TAB • TOTAL ANNUAL
TURNOVER not entered in GENERAL/BASIC INFO TAB Check the above mentioned fields for any
NON KYC compliant CIF and enter the data wherever it is blank. RISK CATEGORY IS A
PROTECTED FIELD RISK CATEGORY field derives from the value entered in
PROFESSION/ACTIVITY field, pls enter the value in PROFESSION/ACTIVITY field if blank, system
will show the value in RISK CATEGORY, And if PROFESSION/ACTIVITY is already entered and
RISK CATEGORY is blank then delete the value of PROFESSION/ACTIVITY and again enter the
same value in PROFESSION/ACTIVITY
Question replied on : 21.06.2018
6. DraftReject Case In CRM
Please login with maker user id go to entity Queue - Tray type SELF and Action - Savedthen click on
SUBMIT button.system will display the list of customer ids and right click on customer id and select
EDIT option and then after necessary changes (if required) click on submit then verify using checker
user Generate report DAYRPT 160 in CORE for your sol and this cif will show pending for verification
there,pls do the verification as guided in DAYRPT 160
Question replied on : 21.06.2018
7. While Merging CIF ID Through HCCA, System Throws Fatal Error.
Please correct contact details in Source and Destination CIFCIF Retail Edit Entity --- View --- customer
details --contact -- phone and email Mobile No.(Protected) for Alerts please change it using ALERTS
menu option and remaining other numbers captured in phone and email Type details please modify it
from CRMExample for mobile number 91()9999999999(10 digit)example for land line number 91(std
code without first zero) landline number 91(11)22525278
Question replied on : 15.06.2018
8. System Is Not Allowing To Make Payment Through Govt. Account - Error - This Cust ID Has No
Pan Card Entered In CUMM
Modify the account using HACM and enter proper code in Notes (in General Details - right hand side
down) by clicking on searcher
 Question replied on : 13.06.2018

Product: CBS-Deposits

1. While Modifying MIS Code , System Is Giving An Error The Date Must Be Later Or Same As
BOD Date
In General Tab Next Print date is a past date gtPlease ensure that next print date in HACMgtGeneral
date to be BOD or future date
Question replied on : 25.06.2018
2. While closing fixed deposit , system is giving error "CLS pending job"?
Please check pay interest flag as YES , in interest and Tax tab under menu option HACMTD
Question replied on : 25.06.2018
3. How To Check Whether 15GH Is Entered In The System
In CRM TDS TBL CODE is TD15GTDH60TDH80 in general details and Report TDSRPT 31 for 15G
TDSRPT 32 for 15H
Question replied on : 25.06.2018
4. How To Inquire Previous Renewal Details Of A Deposit Account
Use menu option HRENHIST .
Question replied on : 23.06.2018
5. How To Print Statement Of Sweep Account
Use menu option FLEXIPSP
Question replied on : 23.06.2018
6. How To Remit TDS For The Month
Use menu TDSMARK
Question replied on : 22.06.2018
7. How can we check TAXEXM entry pending for verification?
Generate Report TDSRPT 3/8
Question replied on : 21.06.2018
8. Intersol accounts under same cust_id cannot be viewed in menu option HACS which was
available in old version
User has to select set_id as ALL in HACS menu to see account across SOLs.
Question replied on : 21.06.2018
9. menu option HFGET for Cust_id wise FD balance reports of particular customer is suspended .
HDGET and HACDET made available to GU users
Question replied on : 21.06.2018
10. How To Check New Account Number From A Old Account Number
Please use PNBRPT9239 in MIS
Question replied on : 21.06.2018
11. While closing RD account, system is giving error - CIFF ID is suspended, whereas it is an
active CIF ID.
Check any pending Standing Instructions in RD Account and delete the same.
Question replied on : 21.06.2018
12. How To Convert General Saving Account Into Sweep In Out Account
Change Scheme code using HACXFRSC menu option from Existing Scheme to Required Eligible
 Flexi Deposit Scheme.Then modify the account using menu option HACM and fill the details in Flexi
Details Tab and ensure Correct Combinations of the Scheme of Operative Account and Flexi Deposit
Scheme Code is selected.
Question replied on : 21.06.2018
13. Preferential Rate Of Interest Is To Be Given To A Deposit Account Customer , How To Proceed
Ensure Customer Type Code to be Senior CitizenIPENR (Pensioner) For Senior citizen Benefit and
Staff Flag Y in CRM. Then Please use PRFUPD Menu on the Account and submit. Get the same
verified thorough HINTTM.
Question replied on : 21.06.2018
14. Facing problems in closure of FFD accounts, failed under auto-closure process.
Such accounts may be closed through HTDBATCH , second option - 'Automatic Closure'
Question replied on : 15.06.2018
15. What is the menu option for opening NPS Account?
HOAACSB with scheme code - SBNPS
Question replied on : 15.06.2018
16. While making payment via cheque - system is giving error - Particulars on cheque not
available with the Bank.
Please check - Account is opened under Suraksha scheme. Please enter Cheque details in the
system first.
Question replied on : 14.06.2018
17. Background menu is not working, what may be the reason?
Background menu can be accessed only if user is in some active menu option. Also menu in process
and background menu cannot be same
Question replied on : 12.06.2018
18. How to close RD accounts with Zero Balance
Use HCAACTD menu option and use Value Date (As in Scheme Tab of the account) as closure
value date.
Question replied on : 24.04.2018
19. If FD doesn’t automatically renew, even though renewal flag is U
1.Please run HACINT with POST transaction as Y. Check success report in HPR. 2. Run
HTDSCALC. Check HPR for OFTI POST REPORT. 3.Also check FD account whether interest is
credited in the account or not 4. Then run HTDREN.
Question replied on : 24.04.2018
20. Deposit receipt is not being printed, please ensure following things in the accounts:
1.Account statement in general tab of the account must be “Deposit Receipt”. 2.Print receipt must be
ticked in scheme details of the account.
Question replied on : 24.04.2018
21. How to check TDS & interest detail of FD which was earlier checked through menu option ACI
under sub option "2"
Please use menu option "HTDTRAN" or generate the report HTDSIP report
Question replied on : 24.04.2018
22. While closing Flexi RD Account using FCAAC menu option, user is getting error message
"Batch execution of INTTM failed".
1. Use 'HACLINQ' and Check whether Interest is credited in A/C. 2.If yes, use menu option HTM to
 make balance zero in RD and then close a/c through 'HCAAC' (just like we close SB Account) 3.If
No, Run HACINT & then HTDSCALC. After that make balance zero by HTM & than close the
account. 4.Even after that it doesn't get close than lodge SPSD.
Question replied on : 24.04.2018
23. Benefit of rate of interest as applicable to Staff or Sr. citizen is not reflecting in FD A/c.
1. For Sr. Citizens: in CIF id the customer type field should be SRCTN in general tab. 2.For staff: in
CIF ID, under general tab the staff indicator should be Y and staff id must be filled. 3.Then run
PRFUPD. 4.Even then if the interest rate code is not changed then modify under "HINTTM". In
Interest rate Code field use appropriate code as mentioned below - TDSTF for Gen + Staff benefit,
TDSCN for GEN + Sr. Citizen benefit, TDSTS o Gen + Staff + Sr. citizen benefit.
Question replied on : 24.04.2018
24. Can we open Term Deposit account with back date?
Presently the functionality is available and it can be done. HOAACTD-Account opening date is to be
filled as value date and under scheme TAB also, value date is to be filled in.
Question replied on : 24.04.2018
25. If below mentioned error is coming while closing the FD account E3469 - Credit interest slabs
are not set for table code[TDGEN], crncy code[INR],ver num[00218] E3856 - The rate and
product linked list could not be merged E3864 - The core interest calcu
Modify the account using HINTTM and verify .Then, try to close the account.
Question replied on : 24.04.2018
26. Closing the Operative Account (having FFDs Linked with the account)
1.Kindly Debit the Whole Amount (Including FFD Balance). Operative account will go in Debit
Balance 2. Then RUN HSWOPS –> 2nd Option for the operative account; It will automatically close
all the FFDs and credit the amount to Operative account. Balance of the Operative account will
become Zero and it can be closed normally using HCAAC
Question replied on : 24.04.2018
27. For Removing the Sweep Facility
1.Change the Auto Sweep Flag to ‘N’ in Flexi Details Tab in HACM. 2.Then Change the Scheme
Code of the Account to desired scheme. No New FFDs will be created. 3.FFDs will automatically
close as and when operative account will go in Debit Balance.
Question replied on : 24.04.2018
28. Closing on FFDs and crediting the balance to operative account.
1.Change the Auto Sweep Flag to ‘N’ in Flexi Details Tab in HACM. 2.Then Change the Scheme
Code of the Account to desired scheme. No New FFDs will be created. 3.Kindly Debit the Whole
Amount (Including FFD Balance). Operative account will go in Debit Balance. Then RUN HSWOPS-
>2nd Option for the operative account; It will automatically close all the FFDs and credit the amount
to Operative account. Then Credit Back the Balance debited Back to Operative Account.
Question replied on : 24.04.2018
29. While Opening NRE TD System Gives Error->Customer is Invalid.
FATCA Details to be correctly filled in CRM (Under General Tab -> Foreign Tax Details). IF Flag is
YES than country Code must be entered.
Question replied on : 24.04.2018
30. While Executing OPACTF->Record is deleted; Field Cannot Have More than 12 Digits; Field
Must Be entered, Invalid title Code
1. For Record Deleted, Field Must Be entered branch user to Modify HACM and visit Related Party
 Details, Nomination and then verify. 2.For Invalid Title Code, Field Cannot Have More than 12 Digits
Modify CRM and correct Native Language Title Code in General Details and Contact Details
respectively.
Question replied on : 24.04.2018
31. While verification of Flexi RD Closure system gives error “HINTTM verification Batch failed”
Check HACLINQ of the account, if interest paid, debit the account with 100 Power user (incumbent
incharge) and pay to the customer accordingly.
Question replied on : 24.04.2018
32. If Preferential Interest is not given in TDA account opened for Sr. Citizen
Execute PRFUPD or HINTTM to Modify the Interest Table Code.
Question replied on : 24.04.2018
33. If TD not renewed automatically, even after having Auto Renewal flag as Y
Execute HTDREN, with overdue Flag as N, System will renew from the retrospective date.
Question replied on : 24.04.2018
34. While Closing RD It give error message that Execute HCACC for charge collection
It is just a message, User to go to Closure Information tab and click on submit, it will go thru.
Question replied on : 24.04.2018
35. While Closing RD System give Message -> “CIFF ID Suspended” whereas CIFF is a active
CIFF
Please check for any pending Standing Instruction and delete the same.
Question replied on : 24.04.2018
36. While Doing HACXFRSC & HACXFSOL System Gives Error->Invalid Account.
Please Use Cap Lock On while entering the account Number.
Question replied on : 24.04.2018
37. While opening of Flexi RD Error coming->Invalid Instrument Type
To make sure account is opened thru CASH and Transfer only.
Question replied on : 24.04.2018
38. HACINT is not working properly
While Doing HACINT Ensure Post Transaction Flag as ‘Y’ else it will not credit the Interest in the
account and ensure HPR is generated for the same.
Question replied on : 24.04.2018
39. While Verification of FORM60 it gives error->Transaction Amount is mandatory.
Please ensure to select CUST ID from Searcher only while verification. Not to type account number
in verification.
Question replied on : 24.04.2018
40. If interest certificate is not generated for the account:
Mark flag of the field “Interest Certificate” in related party tab to YES
Question replied on : 24.04.2018
41. On modification of pre-migrated FD, if error: SUM OF % FOR the flow exceeds 100 is coming
1. IF FD is of IO type, go to IO flow code in payment instruction tab and delete one of the entries of
operative account. 2.If FD is of II type, go to TO flow code in payment instruction tab of the account
and delete one of the entries of the operative account.
Question replied on : 24.04.2018
 42. While Executing OPACTF:-Record is deleted
Please Check the Account Manager ID in General Details TAB, make it Blank
Question replied on : 24.04.2018
43. Field Cannot Have More than 12 Digits
Please correct the contact details in All Joint Holder of the account. It should be 12 Char Including 91
Question replied on : 24.04.2018
44. Invalid title Code
1.Field Must Be entered branch user to Modify HACM and visit Related Party Details, Nomination
and then verify. 2.For Invalid Title Code, Field Cannot Have More than 12 Digits Modify CRM and
correct Native Language Title Code in General Details.
Question replied on : 24.04.2018
45. Customer is Non KYC Compliant
1.A CIF ID is NON KYC COMPLIANT, due to following reasons. 2.Documents for customer under
DOCUMNET TYPE IDPRO (id proof) /ADDPR (Address Proof) are not entered in IDENTIFICATION
DOCUMENT TAB. 3.PROFESSION/ACTIVITY not entered in GENERAL/BASIC INFO TAB 4.RISK
CATEGORY not entered in GENERAL/BASIC INFO TAB 5.TOTAL ANNUAL INCOME not entered in
GENERAL/BASIC INFO TAB 6.OCCUPATION not entered in DEMPOGRAPHIC/EMPLOYMENT
DETAILS 7.RING FENCED is marked as Y in GENERAL/BASIC INFO TAB Check the above
mentioned fields for any NON KYC compliant CIF and enter the data wherever it is blank.
Question replied on : 24.04.2018
46. Error while Account Opening in SBVID -> VIDYARTHI Scheme “Please enter correct MIS Code
in Free Text 3”
User to Ensure CAPS Lock on before opening of the account In Sweeps Account user to Ensure Max
Sweep out Amount to be 999999999999.99 for proper functioning of Sweep facility.
Question replied on : 24.04.2018
47. Unable to fetch Records while printing the receipts of FDRs.
Correct the Statement Field in HACMTD in general Tab to R- Receipt to print the receipts.
Question replied on : 24.04.2018
48. Unable to close the FDRs Error: Account balance not equal to repayment amount.
If FD not Matured Check of any Manual Transaction in FD and reverse the Txn with same value date
and Flow Code. Subsequently execute HACINT.
Question replied on : 24.04.2018
49. Maturity amount Less Than Maturity Amount:-
1.Check the HINTTM for any Modification in Interest Table Code 2.Check for any TDS Deduction in
HTDSIP 3.Check for any Manual Transaction in the Account To be noted: In passbook printing only
first character of the middle name will be printed.
Question replied on : 24.04.2018

Product: CBS-ETDS

1. How To Remit TDS For The Month

Use menu TDSMARK, ensure to check correctness of TDS deducted , and refund if any before
TDSMARK. as refund cannot be done after TDSMARK
Question replied on : 25.06.2018
2. How To Update Incumbent Name On 15GH
 Use menu option TANUPD , and not to change TAN number field
Question replied on : 22.06.2018
3. How to generate Form 16A
Form 16A is a quarterly statement which is required to be generated and provided to the customers
within time It may be downloaded under ETDS link of Finance Division in Non-CBS Page. --Download
Form16 TAN Centralized (Circle) Files Branches may download it PAN wise, Circle-wise quarterly Few
branches who were not linked with their Circle during FY-2017-18 may generate it from Branch link --
Download Form16 TAN Centralized (Branch) Files
Question replied on : 14.06.2018

Product: CBS-FAMS

1. How can Pre GST payments be made as EXTMOLD is not available

Please use menu option EXTM and use code PREGST in GSTN Number field.
Question replied on : 18.05.2018
2. In EXTM menu System asks for DR/CR note. What does it stand for?
Credit Note and Debit notes are asked by system only when penalty is to be deducted (or less amount
is to be paid). Kindly keep penalty field blank if it is not required. Even if 0 is entered in penalty field it
will ask for DR / CR note.
Question replied on : 18.05.2018
3. On doing sale/disposal of assets error message appears “GST rate not mapped”.
Most of the GST codes have been mapped in the system, if error persists contact HO: GSAD for
adding GST code for any particular item as GST code can be mapped by HO: GSAD only.
Question replied on : 18.05.2018
4. When user creates EXTM GST amount is automatically ZERO, Why?
1.Either the vendor is in composition scheme for which the GST is not to be paid. As such kindly check
whether the vendor is in composition scheme or not using menu VENDORM. 2.OR wrong HSN code
has been selected by the user, kindly enter the same HSN/SAC code as printed on the invoice.
Question replied on : 18.05.2018

Product: CBS-FI

1. PCs where CBS login through Biometric is done successfully whereas issues faced in Account
Opening through Aadhar Authentication
Solution- 1. Go to Control Panel-->Programs and Features Find all Morpho drivers through Search
button and uninstall all the Morpho drivers Note- Please don’t uninstall Bio-attendance and any other
services. 2. Now, Go to ‘Aadhaar Authentication & New Customer creation’ link through CBS Home
page Double click Login through User Id and password 3. Download and install the RD Package
according to the PC’s Operating System from the mentioned links ( Sr. no 3 & 4) 4. Download folder
by clicking on Sr. no. 6 and place it in “C Drive” of your PC. Note- Please unzip the folder before
copying it in “C Drive” • In case any issue is faced in installation (for sr. no 3 and 4) of the software,
Please refer Point no. 1 This will resolve Login issue in Account opening through Aadhar
authentication portal. No need to install Biometric drivers (for CBS) as above mentioned drivers would
suffice the requirement. E KYC Helpdesk details e-mail id - [email protected] [email protected]
Mob. 8920751232, 9871882856, 9560497838
Question replied on : 22.06.2018
2. Biometric Authentication for log into CBS - Error message - 'Object Does not support property
or method ‘Capture finger’
 Solution- The issue is being faced as Biometric Drivers are not installed. * Morpho Device driver
installation process - Biometric Drivers are available at Finacle Home Page under link - "Bio Metric
drivers"
Question replied on : 22.06.2018
3. CBS Login through Biometric authentication Error Message- 'Device not connected. Please
connect the Device first.'
Solution- Please check the device. In case it is not properly connected, Please reinsert the device. In
case issue persist, might be the case that USB port is not working, please try in some other Port.
Question replied on : 22.06.2018
4. CBS Login through Biometric Authentication Solution 'Device not registered with the Biometric
solution.'
Solution- ' Go to System+ Device Registration (MSO) Device Serial ID - Enter P/N – S/N given on the
back side of the device. Please take note of entering Hyphen (-) between P/N and S/N. Please also
note that the fourth (4th) character of S/N is I ie. I for India. Verification of the same is not required.
Question replied on : 22.06.2018

Product: CBS-GBM

1. How to waive the penalty for PPF accounts.

Under GBM>Admin>Public Provident Fund > PPF Penalty Waiver for Migrated Accounts option is
there.
Question replied on : 18.05.2018
2. If on submit of CBDT challan if user forgets to take print challan is there any option to reprint
the receipts.
Under GBM>CBDT>Terminal Branch>CBDT Scrolls>Reports> Computer generated receipts to tax
payers is there.
Question replied on : 18.05.2018
3. Unable to do transaction in the respective scheme i.e. PPF/SCSS/RBI Bonds/CBDT
TB BOD Process is to be done to proceed for doing any type of transaction otherwise system will
show only inquiry options.
Question replied on : 18.05.2018
4. Unable to do transaction in the Suknaya (SSA) scheme
TB - BOD Process for SSA is to be done. As Sukanya BOD is separate from PPF/SCSS/RBI
Bonds/CBDT
Question replied on : 18.05.2018
5. Unable to do transaction in the KVP scheme
Terminal Branch BOD Process for KVP. As KVP BOD is separate from PPF/SCSS/RBI
Bonds/CBDT/SSA
Question replied on : 18.05.2018
6. In FTI transaction status is showing as “L”.
It means transaction is locked and to unlock record following steps to be followed
GBM>Admin>Unlock Record, user to enter the GBM Tran id and submit, System will now unlock the
transaction for verification/deletion.
Question replied on : 18.05.2018
7. To Add 15g/15h in SCSS and RBI Bonds.
 Under GBM>Admin>Exempt from TDS for details refer to HO:ITD cir 54/2012.
Question replied on : 18.05.2018
8. To delete or reverse the verified transaction of GBM before GBM MCP of that date.
Under GBM>Admin>Deletion After Verification , to run the same first user to reverse the original
finacle transaction and note the transaction number(M number) , while using deletion after verification
system will ask for four things namely, 1.Finacle Tran id 2.GBM Tran id 3.Amount 4.Reversal Tran id
Question replied on : 18.05.2018
9. For CBDT challans is there any option to rectify the challan after GBM MCP of the date of
challan.
Under GBM>CBDT>Error Challan RT18 user can rectify the previous date challan the detailed
validations to be refer to HO: GBD circular 148/2011.
Question replied on : 18.05.2018
10. How to search the PPF account by name in a particular branch
Under GBM>PPF>PPF Scroll>Report on Name search
Question replied on : 18.05.2018
11. In case at GBM MCP message comes reconciliation is pending .
Check GBM FTI is there any entry where finacle entry is in entered stage check the validity of the
same is it be verified or deleted as the case may be, thereafter under GBM>Reconciliation user can
use option Verified transaction in finacle or deleted transaction in finacle respectively .
Question replied on : 18.05.2018
12. To recover or pay difference of interest in case of PPF account for a FY.
User has to calculate the difference of interest to be paid/recover and enter the same in
GBM>PPF>Interest adjustment register which has to be verified by the other user. System will
Pay/Recover the same from said PPF account during next interest application (March).
Question replied on : 18.05.2018
13. Wrong credit in PPF account A instead of PPF account B of a sol is there any option to rectify
the same after GBM MCP.
The same can be reversed Under GBM>PPF>Reversal from account A to account B of the same sol.
Question replied on : 18.05.2018
14. In SCSS message comes invalid operative account number.
Under GBM>SCSS>Acct Holder Maintenance>field inter sol id to be filled as per base sol id of the
operative account number along with account number in operative account number field.
Question replied on : 18.05.2018
15. Is there any option to issue certificate of investment for SCSS scheme.
It can be generated Under GBMRPT 3/17 –“Certificate of Investment for SCSS scheme 2004 “,
option to print certificate of investment of a particular SCSS account is given.
Question replied on : 18.05.2018
16. Do user need to tally PPF/SSA balances on daily basis?
User to tally balances on daily basis under GBM>PPF/SSA>Balance Report for a particular date and
same is to be tallied with finacle account number 3232405/3232436 respectively.
Question replied on : 18.05.2018
17. Is there need to check the GBM MCP status.
Yes user has to check on daily basis GBM MCP status under GBM>Admin>MCP Status Inquiry. It
should be completed for all modules to avoid any problem in ABH/SOLEOD
 Question replied on : 18.05.2018
18. While MCP/Dayend of GBM if message reconciliation pending:
Check FTI in GBM 1.If status of finacle entry is E, pass the finacle entry in HTM 2.If status of finacle
entry is P, use function V in HTM and pass the entry 3.After above a) and b) go to GBM reconciliation
click on verify (Normal transactions in finacle) txn, select appropriate Module , system will display the
respective transaction , use submit button 4.If user has deleted finacle transaction then go to
GBM>Reconciliation> deleted transaction in finacle ,select appropriate Module , system will display
the respective transaction , use submit button
Question replied on : 18.05.2018
19. While MCP/Dayend of GBM if message discrepancy exists inter-sol PPF
In inter-sol PPF , generate the report ( transaction/ collection done by other branches 3rd from
bottom) and check the status of finacle transaction contact the initiating sol_id to follow the following
steps 1.If status of finacle entry is E, pass the finacle entry in HTM 2.If status of finacle entry is P, use
function V in HTM and pass the entry 3.After above a) and b) go to GBM reconciliation click on verify
(Normal transactions in finacle), select appropriate Module , system will display the respective
transaction , use submit button
Question replied on : 18.05.2018
20. While verification of any transaction in any module if system message” Invalid account”
1.Check the debit a/c no it should be 2.Only SBGEN/CAGEN 3.There should be sufficient balance in
the debit account 4.Account should not be dormant/NRI/Prudent sweep etc. 5.In all these cases (
where msg display invalid a/c no) first debit the account number and credit the amount in sundry
govt. dues a/c no 3171220) in HTM and then from 31711220 create transaction in GBM.
Question replied on : 18.05.2018
21. During MCP/Day-end of GBM if system message” EOD of PPF aborted due to previous day
balance or mis-match in PPF collection a/c 3171133
1.If previous day balance excluding today balance is there in PPF collection a/c 3171133, then check
if amount is credited in respective PPF a/c then remit the amount to Link-cell Nagpur in a/c no
1400003171235 and check the contra a/c if not passed pl. pass the same. 2.If balance in PPF
collection a/c 3171133 is zero, then lodge the call in SPSD immediately for necessary action.
Question replied on : 18.05.2018
22. In GBM even after completing GBM MCP, system ask to run the same in HSCOD and it get
clear from HO.
Please check from GBM>ADMIN>MCP status inquiry if all module completed then lodge the call
immediately for earlier resolution from data centre.
Question replied on : 18.05.2018
23. For branches such as RCC/circle offices/RABs etc., where no government business is carried
out. System ask for day-end:
In such case user enable the Inter-sol PPF/SSA all the users in such branches are advised not to
enable Inter PPF/SSA even not click the link of GBM if so then disable the inter-PPF/SSA
Question replied on : 18.05.2018
24. In SCSS Scheme branches are not having account still GBM day end stuck.
This happen only during quarterly interest applications for SCSS for only those branches which has
enabled themselves for SCSS business but not opening any SCSS account for this branches are
advised to disable the SCSS module from HO:GBD or open some SCSS accounts and run quarterly
interest on due date.
Question replied on : 18.05.2018
 25. GBM Passbook Printing/Statement printing issue
Approach document for configuration of PCs for pass book printing shared with Circle ITD team from
HO: ITD SADBA team. Pl. do appropriate setting. For this branches/CO/ZO may refer to HO: GBD
circular no 54/2016 dated 17/05/2016 Branch are to ensure that balance in all following collection
should be nil everyday if there is debit balance in any collection a/c contact LINK CELL Nagpur
through mail_id [email protected] or through telephone no 07122530360 and also check the contra
vouchers if more than one then reverse the same immediately to avoid mis-match in balance:
Collection account: 1.CBDT : 3171134 2.PPF : 3171133 3.SSA : 3171297 4.SCSS : 3232432 Contra
accounts: 1. PPF : 3232405/5939958 (payable/receivable) 2.SSA : 3232436/5940002
(payable/receivable) 3.SCSS : 3232433/595939989(payable/receivable) Branches are advised to
tally balances of PPF/Sukanya on daily basis 1.For PPF: GBM>PPF> Balance report take the sum
total of the same and it should be tallied with a/c no 3232405 2.For SSA: GBM>SSA> Balance report
take the sum total of the same and it should be tallied with a/c no 3232436 User can refer to report
available in menu option: GBMMIS 2 (for PPF) and 2a (for Sukanya)
Question replied on : 18.05.2018

Product: CBS-GST

1. How to generate GST Invoice?

Use menu option CGSTRPT
Question replied on : 14.06.2018

Product: CBS-Loans

1. While Entering BC Letter (Debt Acknowledgement Date) In Account, System Is Giving Error -
Invalid Account Ownership
Invoke HACMLA- Go to Refinance and Subsidy tab, and expand to check More Subsidy Details and
remove office account mentioned in Subsidy Deposit Ac Id.
Question replied on : 27.06.2018
2. System Is Not Allowing To Delete Interest Deferred Up To Date In LA Interest Tab.
Set the field Deferred Applicable Interest Rate as Select in LA INTEREST TAB of HACMLA and date
will be removed automatically.
Question replied on : 27.06.2018
3. While Doing CCLD, System Is Giving Error Message - Enter IECD.
Please check Availed Trade Services field in CRM- General-Basic Info tab and check Trade finance
details tab
Question replied on : 27.06.2018
4. How To Credit Loan Account By Debiting NRO Account
Please use menu option HLASPAY and proceed (System will automatically pick Report Code).
Question replied on : 27.06.2018
5. How To Credit Loan Account By Grant Temporary Overdraft In A Common Debit Ac (Source Ac
ID)
If loan account is to be credited by giving TOD in Common Debit Ac (Source Ac ID), then first give
TOD by using HACTODM menu , then use HLASPAY to credit loan account.
Question replied on : 27.06.2018
6. A Staff Loan Account Has Paid Entire Principal, Interest Is Capitalized, Now System Is Still
Charging Interest In The Account
 Please ensure that interest on principal flag is NO after the interest has been capitalized.
Question replied on : 26.06.2018
7. How to transfer Staff loan from one sol to another?
Use menu HACXFSOL. The main account along with partitioned account shall be transferred
simultaneously.
Question replied on : 22.06.2018
8. A loan account is inadvertently credited twice by execution of SIM, how to rectify the entry?
Use menu HLASPAY with function reversal .
Question replied on : 20.06.2018
9. While disbursing a term loan account, system is giving a message that "Final disbursement
has occurred in the account , how to proceed?
Use LAULPT menu option and then disburse account using HLADISB
Question replied on : 20.06.2018
10. while disbursing final instalment , the message has come as Final disbursement has occurred
further disbursement is not possible.
Try Menu LAULPT
Question replied on : 15.06.2018
11. What is the menu option to enter External Risk rating in Finacle
CRMS
Question replied on : 14.06.2018
12. How to enter BC letter in Term Loan account?
Invoke HACMLA- Go to "Loan Details" tab, there you will find field - Debt Acknowledgement date.
Question replied on : 12.06.2018
13. How to generate amortization schedule of a loan account?
Use menu option HLARSH
Question replied on : 12.06.2018
14. What is the menu option to open KCC account?
HOAACSB
Question replied on : 12.06.2018

Product: CBS-Remittance

1. Automatic rejection of instruments

system does not automatically rejects instruments during HRMI. It fails these and has to be manually
added by choosing the appropriate reason code in hictm
Question replied on : 21.06.2018
2. carving of instruments
system does not carve the instruments where cheque is already passed
Question replied on : 21.06.2018
3. exception of insufficient balance in clearing
such exceptions can be seen using show exception button in hictm where instruments are lodged in
accounts having insufficient balance
Question replied on : 21.06.2018
4. display of cheque image in HICTM
 system display the image of the cheque on the single clock
Question replied on : 21.06.2018
5. error : only inquiry allowed on a/c of other sol in clearing
necessary changes has been done
Question replied on : 21.06.2018
6. We have received NEFT in our Office account. How to check the beneficiary details?
You may inquire the same using menu option - HUTRI
Question replied on : 14.06.2018
7. While making payment of DD through menu option - HTM, system is not accepting DD details.
Please leave the Alpha field as blank, and enter 8 digit serial number in the field next to alpha (where
we use to enter cheque number). In Reference number 1, enter 9 digit DD Inventory (3 character
Alpha+ 6 numbers) without any space.
Question replied on : 14.06.2018
8. What type of prepaid card are available
At present, following six types of Pre Paid Cards are offered by Bank. 1.RS - Rupay Suvidha Card
2.UP - Rupay Uphaar Card 3.UA - UAE Remit Card 4.WTCU - World Travel Card –USD 5.WTCG -
World Travel Card –GBP 6.WTCE - World Travel Card –EUR
Question replied on : 18.05.2018
9. Is there any change in the name of menu options in Finacle 10 for credit card?
1.CCAPPL -> No change 2.APPLRPT ->CAPPLRPT 3.APPLURPT ->CAPLURPT 4.APPLSCHD -
>GENDNLD 5.APPLAU ->CGENUPL 6.CCPAY ->No change 7.CCSETL ->No change 8.CCTTUM -
>No change 9.CCMADUPL ->No change 10.CCUPLD ->No change 11.CCRGN ->No change
Question replied on : 18.05.2018
10. Is there any change in format of any reports for 10x?
No.
Question replied on : 18.05.2018
11. I have added an application through CCAPPL but I cannot remember the application number?
Generate CAPLURPT report for your sol.
Question replied on : 18.05.2018
12. What is the menu for payment of credit card transactions?
CCPAY
Question replied on : 18.05.2018
13. I have added a credit card application but I don’t know what its status is?
CCAPPL menu can be used in inquiry mode. As and when the status gets updated it will be reflected
in the CCAPPL menu.
Question replied on : 18.05.2018
14. While printing Draft, printing command window is not appearing on top of print success
window
Download FIN 10 print setup exe program from front page again and run the same as admin
Question replied on : 18.05.2018
15. Stale DD are not getting uploaded in HDDPUPL
For few days Stale DD has to be processed by adding in HICTM manually. (Same for Cash/Pay
order)
Question replied on : 18.05.2018
16. While executing HEITU, error “File does not exist” occurs. How to handle the error
 User need to execute ECSUNIX again for file uploading
Question replied on : 18.05.2018
17. Report not generated after HEITU
Process is executed in background, user to be advised to wait for the report generation in HPR. In
case report is not generated after long time, issue to informed to Remittance Team
Question replied on : 18.05.2018
18. How to trace transaction ID generated after HEITU
1. Check Tran ID in the reports generated in HPR. 2. For every 300 records, one transaction is
created. For example, if a file of 2000 records is processed, SEVEN transaction ids will be created
(each of 300 part transaction). Note all the transaction id created for a file.
Question replied on : 18.05.2018
19. How to return marking through HEIRS
System will mark returning of max 999 records at a time. Please invoke HEIRS again until returning
of all the records completed. Check EIRS - Success Report for tran IDs.
Question replied on : 18.05.2018
20. How to transfer Files/reports in HPR from Finacle to PC
Two options are available: 1.Create a folder with name Finacle reports in C: Drive. Click on view
details after selecting the report. Click on transfer button given on the screen. 2.Copy the file name.
Menu HTRFTOPC can be used to transfer file
Question replied on : 18.05.2018
21. In case of error like “field must be entered” due to some mandatory fields left blank, how to
find which field to be entered
Click on the error message, cursor will move to the related field
Question replied on : 18.05.2018
22. What are the menu options for ECS?
Menu option is same in FIN7
Question replied on : 18.05.2018
23. What is the NACH Process?
1.Invoke the menu option NACH 2.Choose option 1 (EBT Credit) or 2 (NACH Debit) 3.Upload file
through “U” option. Check HPR for reports 4.Process the file “P” option. Wait for further process until
report get generated in HPR 5.Generate the return file using “R” option. Check HPR for reports 6.Use
“F”, if required, to generate, force file generation. Check HPR for reports 7.Check Dayrpt 3/43f, 44f
for success and failure reports.
Question replied on : 18.05.2018
24. I have got a NACH credited in an account. Customer wants to know the other details?
Explore the TM and look in the transaction particulars it will be like
NACH/527657651245/RTY9808093 Copy the number like 527657651245 between the 2 slashes and
invoke menu FPNACHI. Put the number in and press go. All details will be shown.
Question replied on : 18.05.2018
25. I have got some credits in my 3171160 how can I ascertain that they are actual NACH credits
or not?
See transaction particulars the NACH credits start with /NACH/. Further all FP credits start with a
number like 00 in Transaction remarks.
Question replied on : 18.05.2018
26. I have got some credits in my 3171160 and have ascertained that they are NACH credit .How
do I know in which account they have to be credited?
Generate report FPNACH -10 .This report will contain the account to be credited.
Question replied on : 18.05.2018
27. FPNACH 10 cannot be generated due to some reason. Is there any other way to find the
correct account number?
Yes, Explore the TM and look in the transaction particulars it will be like
NACH/527657651245/RTY9808093. Copy the number like 527657651245 between the 2 slashes
and invoke menu FPNACHI. Put the number in and press go. All details will be shown. Account of the
recipient shall be shown in this.
Question replied on : 18.05.2018
28. What is the process for IMPS?
1.Invoke the menu option HIMPS 2.Select the function Add and transfer type as ‘P2A’ or ‘P2P’ as
required 3.Click submit 4.Enter the required details in the fields and click submit 5.Transaction ref
no., TranID and RRN will be generated on successful submission 6.While adding the transaction for
IMPS, if error comes up as “Invalid Remitter Mobile No” 6.1.Check the remitter mobile no. (Whether
the length is 10 only) and remove any extra 91 appended before the mobile no. and proceed. 7.On
submission of the IMPS message, if any of the 3 details Transaction ref no., TranID and RRN is not
generated. DO NOT PROCEED WITH ANY MORE IMPS TRANSACTION. 7.1.Kindly escalate the
issue as per the escalation matrix 8. On submission of the IMPS, if RRN generated is 0000000000.
DO NOT PROCEED WITH ANY 8.1.MORE IMPS TRNASACTIONS. 8.2.Kindly escalate the issue as
per the escalation matrix
Question replied on : 18.05.2018
29. What is the new menu in Finacle 10 for MTSS?
Menu options:- 1.MTSS – Branches to add, modify, verify, Resend, Mark Paid and inquire MTSS.
2.AMTSS – For branch (455300) Authorize and decline the transactions of MTSS.
Question replied on : 18.05.2018
30. Runtime error while lodging cheque books:
KYC non-compliance: Customer must be KYC Compliant as per the guidelines already available.
Accordingly changes needs to be made in CRM for the same and the lodge the request in
CBSCHQBK.
Question replied on : 17.05.2018
31. Demand Draft could not be found:
1. Provide the transaction id and part transaction serial number (by which DD was issued) along with
DD number and issue date. 2. If still system shows the same message, raise a call in SPSD through
specified procedures. (DO not give Hand written DDs to the customers)
Question replied on : 17.05.2018
32. Inventory movement needs Authorization:
If any IMC movement was created for the inventory which is being used for printing DDs, the same
needs to verification as defined in HIMC FAQs.
Question replied on : 17.05.2018
33. Is there a changes in Menu Options in Finacle 10: Zone open/release/regularize for CTS centre
Menu in Finacle 7: CCO Menu in Finacle 10: HCCO
Question replied on : 24.04.2018
34. Is there a changes in Menu Options in Finacle 10: File generation for uploading to CTS
Application
 Menu in Finacle 7: PTW Menu in Finacle 10: CPTW
Question replied on : 24.04.2018
35. Is there a changes in Menu Options in Finacle 10: Zone Open/Suspension/Release/Regularize
for Non MICR centre.
Menu in Finacle 7: MCLZOH Menu in Finacle 10: HMCLZOH
Question replied on : 24.04.2018
36. Is there a changes in Menu Options in Finacle 10: Outward cheque lodgment
Menu in Finacle 7: OCTM Menu in Finacle 10: HOCTM
Question replied on : 24.04.2018
37. Is there a changes in Menu Options in Finacle 10: Transfer of Sets
Menu in Finacle 7: TROFSETS Menu in Finacle 10: MCLZOH(T) or HTROFSET
Question replied on : 24.04.2018
38. Is there a changes in Menu Options in Finacle 10: Inquiry on cheques lodged in Outward
Clearing
Menu in Finacle 7: IOCLS Menu in Finacle 10: HIOCLS
Question replied on : 24.04.2018
39. Is there a changes in Menu Options in Finacle 10: Bulk file uploading
Menu in Finacle 7: CLUPLD Menu in Finacle 10: HCLUPLD
Question replied on : 24.04.2018
40. Is there a changes in Menu Options in Finacle 10: Zone opening of Inward
Menu in Finacle 7: MICZ Menu in Finacle 10: HMICZ
Question replied on : 24.04.2018
41. Is there a changes in Menu Options in Finacle 10: Inward File uploading for CTS
Menu in Finacle 7: RMI Menu in Finacle 10: HRMI
Question replied on : 24.04.2018
42. Is there a changes in Menu Options in Finacle 10: Inward cheque lodgment
Menu in Finacle 7: ICTM Menu in Finacle 10: HICTM
Question replied on : 24.04.2018
43. Is there a changes in Menu Options in Finacle 10: Unlocking Outward Clearing Zone
Menu in Finacle 7: UNLKZ Menu in Finacle 10: HUNLKZ
Question replied on : 24.04.2018
44. Is there a changes in Menu Options in Finacle 10: Unlocking Inward Clearing Zone
Menu in Finacle 7: UNIZ Menu in Finacle 10: HUNIZ
Question replied on : 24.04.2018
45. Is there a changes in Menu Options in Finacle 10: Uploading draft file received from CTS
Menu in Finacle 7: UPLDDP Menu in Finacle 10: UPLDDP (No Change)
Question replied on : 24.04.2018
46. Is there a changes in Menu Options in Finacle 10: Tran creation for DD file
Menu in Finacle 7: DDPUPL Menu in Finacle 10: HDDPUPL
Question replied on : 24.04.2018
47. Cheque Images are not available at the branches in HICTM/UPLDDP
1. Go to Setting/tool of browser -> internet option 2.Click on Custom level under security (both for
Local Intranet and trusted site). 3.Enable “display mixed content” under Miscellaneous. Or run the
 Finacle 10 setup exe again which is available on the front page.
Question replied on : 24.04.2018
48. HPR not generated after uploading RMI Files
1. User may be advised to check the progress in HMICZ whether records are being uploaded or not.
If no record uploaded, fatal may be checked in the user ID. Report such cases to Remittance Team
2.Upload RMI file one by one. After uploading file check HPR for the report. Once report get
generated for a file, then upload next file.
Question replied on : 24.04.2018
49. How to fill Bar Amount for Inward Clearing
Field are changed for BAR Amount :- Total No. of Instrument: Fields in FIN7.X - Total BAR Fields in
FIN10.X - Total no in Advice Total amount: Fields in FIN7.X - Bar Amt Fields in FIN10.X - Total
amount in advice
Question replied on : 24.04.2018
50. How to Enter Return Reason Code
When user select the reject type, a button get activated beside the reject type. User need to click on
the button to give return reason Code.
Question replied on : 24.04.2018
51. Where to give description in case, return reason code 88 is given/ presenting Bank MICR
Code, if not uploaded while uploading file through HRMI.
Click on the button adjacent to addition details to enter description in Notes Field and to enter MICR
Code, if not updated.
Question replied on : 24.04.2018
52. How to generate return file, if validation run not working
Return file may be generated through HMICZ (option-T)
Question replied on : 24.04.2018
53. How to process failed records in draft uploading process through HDDPUPL Menu
Failed records to be processed through HICTM
Question replied on : 24.04.2018
54. How to transfer Files/reports in HPR from Finacle 10 to PC
Two options are available: 1.Create a folder with name finacle reports in C: Drive. Click on view
details after selecting the report. Click on transfer button given on the screen. 2.Copy the file name.
Menu HTRFTOPC can be used to transfer file
Question replied on : 24.04.2018
55. In case of error like “field must be entered” due to some mandatory fields left blank, how to
find which field to be entered
Click on the error message, cursor will move to the related field
Question replied on : 24.04.2018
56. While lodging cheque book request in CBSCHQBK menu:
Dependency on Alerts menu: 1. Ensure that status of mobile number in alerts menu is ‘D’ i.e.
downloaded. If there is any other status in alerts menu, modify and give correct mobile number as
given by customer and verify the record. After verification the status shall change to ‘V’ i.e. verified.
2.User has to wait for some time so that changes made may be downloaded by ITD-IBS team and
then only the status changes to ‘D’ i.e. downloaded. 3. Once the status is changed to ‘D’ system shall
allow to lodge the request in CBSCHQBK if other details are correct. Dependency on HACM:
4.Account must be in a scheme code which is valid for cheque book issuance. 5.If cheque allowed
 flag in scheme details in HACI/HACM is not checked, system will not allow the issuance of cheque
book. Dependency on CRM: 6.KYC non-compliance: Customer must be KYC Compliant as per the
guidelines already available. Accordingly changes needs to be made in CRM for the same and the
lodge the request in CBSCHQBK.
Question replied on : 24.04.2018

Product: CBS-SDC (Software Development And Customisation)

1. While adding ALERTS for corporate customer id system is asking for mobile sequence number
between 00 to 09?
User can add 10 mobile number in ALERTS of corporate CIF, here the same sequence number is to
be added.eg for first number add 00 as sequence number and so on.
Question replied on : 25.06.2018
2. How can we check UPEMAIL entries pending for verification?
DAYRPT 1/52
Question replied on : 21.06.2018
3. How can we check the inventory of debit card available in a SOL?
Generate Report CARDREP 18/5
Question replied on : 21.06.2018
4. How to check the debit card is deleted or not?
HACI> Addnl. Info> Linked Card Details and click on the icon to check delete flag.
Question replied on : 15.06.2018
5. How to check the records of UPEMAIL pending for verification?
Please generate DAYRPT 1/52
Question replied on : 15.06.2018

Product: CBS-Trade Finance

1. How To Offset Packing Credit

Click on ref document.
Question replied on : 28.06.2018
2. How To Offset Packing Credit
Click on ref document.
Question replied on : 28.06.2018
3. Invocation Tab Contains Error
Available balance in operative account is not sufficient to invoke the bank guarantee.
Question replied on : 28.06.2018
4. What is the menu option to purchase cheque?
HIRM
Question replied on : 27.06.2018
5. How To Modify Rate Of Interest Of Packing Credit
Modify interest using menu option HINTTM, Entity type as Disbursement and then mention
disbursement ID, for which rate of interest has to be modified.
Question replied on : 27.06.2018
6. Tally LCBG Balances step wise
 Click on ref document
Question replied on : 27.06.2018
7. Procedure To Tally Balances Of Inland Collection Bills
Step-1Generate the reports for all register types through menu option HBRCR- Balancing Reports-
Collection. User is required to take the print out of the same.Step-2Generated report is to be tallied
with GL figures. The GL balances can be generated through menu option HACLI by giving ac no. say
ODBC i.e. 3231201.Step-3If there is any difference between the total of HBRCR and HACLI, the same
should be enquired through the menu option HPARTINQHPHINQ. User is required to make inquiry for
displayprint on the partitioned account of both legs of bills, for example office account -3231201 amp
5939911 lodging for collection for bills, through the menu option HPARTINQHPHINQ by entering the
date required, for balance outstanding on a particular date, in the Up to Date field. The system
displays Bill wise credit and debit entries.
Question replied on : 23.06.2018
8. Procedure To Tally Balances Of Inland Bills Purchased Or Discounted
Step-1Generate the report through menu option HBRBPR- Balancing Reports- Bills Purchased.User is
required to take the print out of the same.Step-2Generated report is to be tallied with GL figures. The
GL balances can be generated through menu option HACLI by giving ac no. say Purchased 5311101
and Discounted 5311201.Step-3In case of difference in total, bills purchased under office accounts
can be checked through menu option HPHINQ i.e. 5311101 or 5311201 for ODD or OBD respectively.
And for bills, purchased under customers bill purchase account, the individual bill entry can be
enquired through HACLI by giving the relevant customers bill purchase account.-In case of partly
realized bills in office accounts, the bills will not be shown in HBRBPR. User is required to make
inquiries on such partly realized bills through IBL option and also through HPARTINQHPHINQ option.
The balance outstanding against the bill is to be added manually in HBRBPR report. (You can also
generate report using PNBREP 85 for ODD only)The bills that are realized without realising through
MEOBHIRM will be shown as outstanding in HBRBPR. In case the bill, particularly ODD, has been
directly credited to ODD through clearing, the bill still needs to be realized through MEOBHIRM. In this
case the user is required to delete the transaction created at the time of realization other than the
overdue intt if the realization in BP account have already been effected through clearing.
Question replied on : 23.06.2018
9. Procedure To Tally Foreign Collection Bills
Step-1Generate the reports for all register types through menu option HFBBR- Foreign Bills Balancing
Report. User is required to take the print out of the same. Step-2This generated report is to be tallied
with GL figures which can be generated through menu option HACLI or HPARTINQ by giving account
number say FOBC i.e. 3231214(For Sight) and 3231215(Usance).Step-3If there is any difference, the
same should be enquired through the HPARTINQHPHINQ by making inquiry for displayprint on the
partitioned account of both legs of bills, for example Office account -3231214 amp 5939924(Sight) and
3231215 amp 5939925(Usance) for both legs of collection of bills by entering the date required, for
balance outstanding on a particular date, in the Up to Date field.The system displays Bill wise credit
and debit entries. The difference, if any, in balance in HFBBR with that of HPARTINQHPHINQ might
be due to the following reasons -.-Realization of bills without realising the bills through MEOB. Bill will
be shown as outstanding in HFBBR in G-Lodge status and P-Part Realisation. User is required to
realize such bill through M EOB option and to delete any transactions thus created.
Question replied on : 23.06.2018
10. Procedure to tally balances of Foreign Bills Purchased Or Discounted
Step-1 Run HACS menu and enter 71100(Foreign Bills Purchased) and 72100 (Foreign Bills
Discounted) in General Ledger Subhead Code to get account wise os (Bill Purchase Limit and Bill
 Purchase office account)Step-2Generate the report through menu option HFBBR (G-Lodge Status
and P-Part Realised), this report can be generated party wise by using Cust ID in search criteria and
tally it with GL balances generated through menu option HACS for as on date and by giving the GL
sub head codes for office accounts of FOBP, FOBN and FOBD. The HFBBR shows all the bills
outstanding whether they are purchased in office accounts or in customers bill purchased account.
Whereas HACS will show the total against office account as well as total against each bill purchase
account. Step-3In case of difference in total, bills purchased under office accounts can be checked
through menu option HPARTINQHPHINQ i.e. 5411201, 5411202 or 5411301 for FOBP, FOBN or
FOBD respectively. And for bills, purchased under customers bill purchase account, the individual bill
entry can be enquired through HACLI by giving the relevant customers bill purchase account.In
addition, the difference between the total balances in FBBR with that of HACS may also be due to
the following reasons-Realization of bills without realising the bills through MEOB. Bill will be shown
as outstanding in HFBBR. User is required to realize such bill through MEOB option and to delete
any transactions thus created.Such type of situation may arise due to manual transaction in purchase
account
Question replied on : 23.06.2018
11. What Is The Menu Option To List Overdue And Matured Forward Contracts
LOMFWC
Question replied on : 23.06.2018
12. Procedure To Tally LGBGFLG Balances
Step -1Generate report using HGILR (Guarantee Issue and Liability Report) or RAUDIT 214 BG
outstanding reportStep -2Tally individual BG outstanding with outstanding showing in HPARTINQ of
account 3231106(ILG) and 3231108(FLG) in case difference is found pass manual voucher.
Question replied on : 22.06.2018
13. Procedure To Tally ILC And FLC Balances
Step 1 Generate report using HDCLIABR (DC Liability Register), which shows DC wise balances and
grand total of all LCs. The report can be generated DC wise i.e. Inland (I) or Foreign (F) Customer-
wise or for all LCs. The reports generated by these options are for that day only and user cannot
generate the back dated reports.Step 2 Balances of HDCLIABR can be tallied with sum of balances
of FLC (Sight)- AC No. 3231102, FLC (Usance)-AC No. 3231103 and Import Acceptance AC
No.3231104 in case of import LCs and AEO Bankers-Outward LC Ac No. 3231101 for Inland LCs
(sight amp usance) which can be viewed through HACLINQ by giving the ac nos. In case of
difference, the user may inquire from menu option HPARTINQ by giving the above account one by
one and inquiring from display or print of the output.
Question replied on : 22.06.2018
14. How To Inquire Deposit Account Details Linked In Bank Guarantee (OGM Menu)
In menu option OGM, use function Inquire and go to Margin History tab to inquire details of linked
deposit account
Question replied on : 22.06.2018
15. Is There Any Report To Check Pending ODD Bills
HBKFBI,IRS,PNBREP 85
Question replied on : 22.06.2018
16. How To Check Pending Foreign Bills
Use menu option HBKFBI,HFBBR
Question replied on : 22.06.2018
17. What is the menu option to generate Guarantee issued Register?
 Use Menu Option HGILR
Question replied on : 21.06.2018
18. How To Inquire Bank Guarantee Issued In A Branch
Please use menu option HGI
Question replied on : 21.06.2018
19. How to generate ODBC schedule for the cheques lodged during the day?
DAYRPT 8/17
Question replied on : 21.06.2018
20. What is the menu option for Outward Guarantee Maintenance?
OGM
Question replied on : 24.04.2018
21. What is the menu option for Inward Guarantee Maintenance?
IGM
Question replied on : 24.04.2018
22. What is the menu option for Import and Inland Bills Maintenance?
MIIB
Question replied on : 24.04.2018
23. What is the menu option for Export and Outward Bills Maintenance?
MEOB
Question replied on : 24.04.2018
24. What is the menu option for Import and Inland Bills Maintenance?
MIIB
Question replied on : 24.04.2018
25. What is the menu option for Foreign Bill Maintenance?
MEOB / MIIB
Question replied on : 24.04.2018
26. What is the menu option for Inquiry on Foreign Bills?
IBL
Question replied on : 24.04.2018
27. What is the menu option for Inquiry on Foreign Period Table?
MBIC
Question replied on : 24.04.2018
28. How can we link Tem Deposit as Margin while issuing a Bank Guarantee through menu option
OGM?
In menu option OGM once all details are filled in please select Margin Tab -> Lien -> Enter Term
Deposit account number in Operative Account -> Enter Lien Amount and proceed.
Question replied on : 24.04.2018
29. How to unlink margin account while closure of the LC?
Please run menu option ODCM , visit Margin details and select "release" in Margin Action & click on
GO Button, the linked margin A/c would become visible. Mention margin amount in the release
amount field and proceed.
Question replied on : 24.04.2018
30. While issuing guarantee through menu option OGM, Message 752 is not being generated.
 Temporarily Message MT 799 is to be used, mention TREAT THIS AS MT 752.
Question replied on : 24.04.2018
31. While Invocation of Guarantee using menu option OGM user is getting error” There is not
sufficient Balance in customer's A/c".
There should be sufficient balance in the customer account during invocation of bank guarantee. In
case guarantee is required to be invoked by giving Temporary Overdraft then the same to be given to
the customer before invocation using menu option HACTODM.
Question replied on : 24.04.2018
32. ISB inadvertently gave credit in Current / CC account of customer instead of PC account. How
to rectify it?
To transfer the amount from Current A/c or CC A/c to PC A/c, please use menu option MTFT> select
Transaction happened outside MTFT.
Question replied on : 24.04.2018
33. While lodgment of Inland bills of the customer using menu option MEOB, user is getting error
"FPC for CIF not entered"
In General detail of CIF please change trade finance as Y (yes). In case customer is not dealing with
foreign trade then in trade finance tab classification has to be set as “O".
Question replied on : 24.04.2018
34. How to see party wise overdue packing credit of the branch
POVDPC menu can be used.
Question replied on : 24.04.2018
35. Menu for Lodgment of Bill of Entry in the system
CINBOM menu can be used.
Question replied on : 24.04.2018
36. While modification of GST in trade finance transactions, POP UP displayed as “This Event ID
does not exist for the Linked PTTM event Type.”
Please click on validate button available at the charge leg where GST modification has been done.
System will refresh the transaction and then proceed further.
Question replied on : 24.04.2018
37. Is there any changes in Finacle 10 Vs Finacle 7 menus for Outward Guarantee Maintenance
Menu in Finacle 7: GMM Menu in Finacle 10: OGM
Question replied on : 24.04.2018
38. Is there any changes in Finacle 10 Vs Finacle 7 menus for Inward Guarantee Maintenance
Menu in Finacle 10: IGM
Question replied on : 24.04.2018
39. Is there any changes in Finacle 10 Vs Finacle 7 menus for Lodgment & Realization of
ODDCHQUE Register Type
Menu in Finacle 7: BM Menu in Finacle 10: HIRM
Question replied on : 24.04.2018
40. Is there any changes in Finacle 10 Vs Finacle 7 menus for Lodgment & Realization of ODBC-
OTH & ODBC-NCC Register Type
Menu in Finacle 7: BM Menu in Finacle 10: MEOB
Question replied on : 24.04.2018
41. Is there any changes in Finacle 10 Vs Finacle 7 menus for Disbursement & Offset in Packing
Credit Accounts
 Menu in Finacle 7: RPCTM Menu in Finacle 10: MTFT
Question replied on : 24.04.2018
42. Is there any changes in Finacle 10 Vs Finacle 7 menus for Extension of Forward Contract
Menu in Finacle 7: EXTFWC Menu in Finacle 10: MNTFWC
Question replied on : 24.04.2018
43. Is there any changes in Finacle 10 Vs Finacle 7 menus for Cancellation of Forward Contract
Menu in Finacle 7: CNCLFWC Menu in Finacle 10: MNTFWC
Question replied on : 24.04.2018
44. Is there any changes in Finacle 10 Vs Finacle 7 menus for Process Swap Charges in Forward
Contracts
Menu in Finacle 7: TM Menu in Finacle 10: HSWPCHRG
Question replied on : 24.04.2018
45. Is there any changes in Finacle 10 Vs Finacle 7 menus for Inquiry on Forward Contract
Menu in Finacle 7: FWCQRY Menu in Finacle 10: IFWC
Question replied on : 24.04.2018
46. Is there any changes in Finacle 10 Vs Finacle 7 menus for Maintenance of Import & Inward Bill
Menu in Finacle 7: FBM Menu in Finacle 10: MIIB
Question replied on : 24.04.2018
47. Is there any changes in Finacle 10 Vs Finacle 7 menus for Maintenance of Export & Outward
Bill
Menu in Finacle 7: FBM Menu in Finacle 10: MEOB
Question replied on : 24.04.2018
48. Is there any changes in Finacle 10 Vs Finacle 7 menus for Inquire on Foreign Bills
Menu in Finacle 7: FBI Menu in Finacle 10: IBL
Question replied on : 24.04.2018
49. Is there any changes in Finacle 10 Vs Finacle 7 menus for Maintenance of Purchase Order
Menu in Finacle 7: EXPODM Menu in Finacle 10: MPOD
Question replied on : 24.04.2018
50. What is the menu option to open a Packing Credit (Normal / Running / Foreign Currency)
Account in Finacle 10?
OAACPS
Question replied on : 24.04.2018
51. What is the menu option to modify a Packing Credit (Normal / Running / Foreign Currency)
Account prior to verification in Finacle 10?
OAACMPS
Question replied on : 24.04.2018
52. What is the menu option to verify a newly opened Packing Credit (Normal / Running / Foreign
Currency) Account in Finacle 10?
OAACVPS
Question replied on : 24.04.2018
53. What is the menu option to modify a Packing Credit (Normal / Running / Foreign Currency)
Account in Finacle 10?
ACMPS
 Question replied on : 24.04.2018
54. What is the menu option to disburse fund from a Packing Credit Account?
MTFT
Question replied on : 24.04.2018
55. What is the menu option to offset an outstanding disbursement in a Packing Credit Account?
MTFT
Question replied on : 24.04.2018
56. What is the menu option to adjust a transaction through which disbursement / offset in a
Packing Credit Account which has been done through HTM?
MTFT
Question replied on : 24.04.2018
57. What is the menu option to close a Packing Credit (Normal / Running / Foreign Currency)
Account in Finacle 10?
HCAAC
Question replied on : 24.04.2018
58. What is the menu option for batch closure of Packing Credit (Normal / Running / Foreign
Currency) Accounts in Finacle 10?
HCLSPCA
Question replied on : 24.04.2018
59. What is the menu option for manually booking / posting of Interest for Packing Credit (Normal
/ Running) Accounts in Finacle 10?
HRPCINT
Question replied on : 24.04.2018
60. What is the menu option for extension of Forward Contract?
MNTFWC
Question replied on : 24.04.2018
61. What is the menu option for cancellation of Forward Contract?
MNTFWC
Question replied on : 24.04.2018
62. What is the menu option for Process swap charges for Forward Contract?
HSWPCGRG
Question replied on : 24.04.2018
63. What is the menu option for Forward Contract History Maintenance?
IFCH
Question replied on : 24.04.2018
64. What is the menu option for Inquiry of Forward Contract?
IFWC
Question replied on : 24.04.2018
65. What is the menu option for extension of Forward Contract?
MNTFWC
Question replied on : 24.04.2018

Product: CHARGES-term loan

 1. How to deduct charges in Loan Accounts?
If the charges are inclusive of GST use MCHRG to deduct the charges. If the charges are without
GST, use PNBLACHG to deduct the charges.
Question replied on : 31.03.2018

Product: CHD

1. How Can We Check EOD Timings Of A Particular SOL

Generate DAYRPT 1087 for HSCOD timing and dayrpt-1087A for HSCOLD timings
Question replied on : 25.06.2018
2. While trying login into CBS through DB user, getting message "failure"
Please login into Biometric application, update user and add DB user by clicking on add.
Question replied on : 20.06.2018
3. Not able to verify Transactions generated after HSCOD but before HSCOLD please do as
mentioned below
Execute HTV Remove SOLID from A/c SOLID field. Type "Entered BY" -Who has created
transaction(Check in O Detail in HTI) Click on GO and Submit. Transaction will be verified.
Question replied on : 14.06.2018

Product: Interets Run

1. How to run interest in CC/OD accounts before colsure?

Run HACINT, set Post Transaction flag as "Yes", Interest Field should be set as "Debit".
Question replied on : 31.03.2018

Product: Inventory

1. How to enter Stock statement in a newly opened CC account?

Step 1: 1. Run HCLM, Function code Lodge, Enter account number. Select security type as Inventory.
2. In General Tab, by default the margin is set as 25%, which may be modified by the user as per
sanction. 3. Go to Net Value tab and capture the stock value. 4. In first row, first column enter
description as Stock, Component Value as Stock amount, Loan to value percentage as 100%, Margin
as 0% and click on validate. 5. See the total amount field, it should be your total value to security. 6.
Fill all the mandatory tabs like Particulars, Insurance, Charge, Inspection. Click on submit and get the
same verified. Step 2: Run HSCLM, function Link. Enter Account number and collateral ID. Enter
apportioned amount as per current value of collateral and click on submit. Upon verification the DP will
be got affected as per value of stock.
Question replied on : 31.03.2018

Product: Lien

1. How to see the Lien Details of a Customer?

Lien Details related to CIF ID / Account can be seen through menu option HCUALI.
Question replied on : 31.03.2018

Product: Limit Details

1. How to update limit details(BC letter date) in CC/OD accounts?

In menu HACM with function Modify go to Scheme details tab, BC letter date can be modified in the
 Debt Acknowledgement field
Question replied on : 31.03.2018

Product: loans

1. What is menu option to Inquire Loan Account Limit History in Fin 10?
HACLHCM
Question replied on : 05.04.2018
2. What is menu option option to inquire Loans general inquiry in fin 10
HLAGI
Question replied on : 05.04.2018
3. What is menu option option to inquire Loans overdue position inquiry in fin 10
HLAOPI
Question replied on : 05.04.2018
4. What is menu option option to inquire Loan statement print
HLAPSP
Question replied on : 05.04.2018
5. What is menu option option to inquire for Loan modelling in fin 10?
HLAMOD
Question replied on : 05.04.2018
6. how to inquire Loan account rescheduling details fin 10
HLARA
Question replied on : 05.04.2018
7. What is menu option option to inquire of ledger of loan account in fin 10
HACLINQ
Question replied on : 05.04.2018
8. What is menu option option to inquire loan Account in fin 10
HACMLA
Question replied on : 05.04.2018
9. What is menu option option to inquire TOD details of a account in Fin 10?
HACTODM
Question replied on : 05.04.2018
10. What is menu option option to inquire TOD register in fin 10?
HTODRP
Question replied on : 05.04.2018
11. What is menu option to inquire Customer unutilized limit enquiry in fin 10?
HCULI
Question replied on : 05.04.2018
12. What is menu option to inquire Limit node history in fin 10?
HLNHIR
Question replied on : 05.04.2018
13. What is menu option to inquire Customer limit details in fin 10
HCUMLTI
Question replied on : 05.04.2018
 14. What is menu option to Limit node details in fin 10?
HLNDI
Question replied on : 05.04.2018
15. What is menu option to inquire Customer limit tree details in fin 10?
HLMTREEI
Question replied on : 05.04.2018
16. What is menu option to inquire Limit tree lookup in fin 10?
HLTL
Question replied on : 05.04.2018
17. What is menu option to Limit node details inquiry in fin 10?
HLIMNDI
Question replied on : 05.04.2018
18. What is menu option to Inquiry bank guarantee details in fin 10
HGI
Question replied on : 05.04.2018
19. What is menu option for Inquiry on collaterals linked with account/ cif/ limit node in fin 10?
HCLL
Question replied on : 05.04.2018

Product: RBI Projects

1. How can we do enquiry of a RTGS/NEFT transaction in Finacle 10?

HUTRI menu option is available for enquiry purpose for both NEFT & RTGS transactions. In both
menus, user has to give input as Message type – Inward/Outward & 22 digit UTR number for RTGS
and 16 digit UTR Number for NEFT outward & transaction reference number for NEFT inward.
Question replied on : 18.05.2018
2. What branch should do when PO status of a RTGS/NEFT inward message is showing
suspense/Ready in HUTRI & Beneficiary account not credited?
PNB House Mumbai will credit amount in beneficiary account after reconciliation. Normally, PNB
House Mumbai does reconciliation process on next working day.
Question replied on : 18.05.2018
3. What is the meaning of PO Status & Message Status in HUTRI menu?
Below are the valid values along with the meaning of PO Status and Message Status: - PO Status P-
Processed (PO Created at FP) J –Failed (PO creation Failed at FP) H-Suspense (Failed at FP)
Message Status P/T – Processed/Transmitted (Message settled at RBI) J – Reject (Message failed at
FP/SFMS) R-Ready (Message not transmitted to RBI)
Question replied on : 18.05.2018
4. How to find beneficiary detail for RTGS/NEFT transaction credited in (SOLID) 3171160?
Remarks field of HTM (transaction enquiry) contains UTR no. of inward RTGS/NEFT transaction.
Same UTR no. can be enquired through HUTRI menu to get the beneficiary detail. Normally amount
credited in 3171160 when beneficiary account is of dormant account/NRO account.
Question replied on : 18.05.2018
5. What is menu option for Generation of RTGS/NEFT related reports in Finacle 10x?
Report menu for RTGS – FPRTBO, NEFT – NEFTBO
Question replied on : 18.05.2018
 6. How to create bulk upload file for RTGS/NEFT in Finacle 10X.
1.Branches have to generate file for NEFT/RTGS bulk through RTGSNEFTBULK10x.xlsm (available
in 10X page). 2.After generation of Text file for NEFT/RTGS bulk uploading, branches have to close
the excel file. 3.While closing the file system ask for save changes to file, click on NO. 4.Now try to
upload the file generated file.
Question replied on : 18.05.2018
7. At the time of ABH in branch, system shows there are RTGS/NEFT pending for verification?
1.There are some RTGS/NEFT pending for verification. 2.Verify the RTGS/NEFT if cutoff time of
RTGS (NCP: 04:15 PM, NIP: 07:35 PM) and NEFT (NCP: 06:45 PM) is available. 3.If the Cutoff time
is over, Delete NEFT and RTGS entries (HPORDM menu). 4.Verify the Deleted RTGS and NEFT in
HPORDM.
Question replied on : 18.05.2018

Product: Renewal

1. How to renew CC/ OD account?

CC/ OD account can be renewed by using HACLHM menu
Question replied on : 31.03.2018

Product: Rountine

1. What is menu option to know summary of all accounts of a customer ?

HCUSUM
Question replied on : 05.04.2018
2. What is menu option to inquire customer uisng mobile number
CUSTSRCH
Question replied on : 05.04.2018
3. What is menu option to inquire debit card details using account number?
HCDM
Question replied on : 05.04.2018
4. What is menu option to Customer account lien inquiry?
HCUALI
Question replied on : 05.04.2018
5. What is menu option to Account ledger inquiry - operative accounts?
HACLI
Question replied on : 05.04.2018
6. What is menu option to Demand draft credit inquiry?
DDIC
Question replied on : 05.04.2018
7. What is menu option to Demand draft debit inquiry?
DDID
Question replied on : 05.04.2018
8. What is menu option to Demand draft status inquiry?
DDSM
Question replied on : 05.04.2018
9. What is menu option to Term deposit accounts opened under one cif id?
 HCUTD
Question replied on : 05.04.2018
10. What is menu option to Current accounts opened under one CIF ID?
HCUCA
Question replied on : 05.04.2018
11. What is menu option to Saving accounts opened under one CIF ID?
HCUSB
Question replied on : 05.04.2018
12. What is menu option to inquire Loan accounts opened under one CIF ID?
HCULA
Question replied on : 05.04.2018
13. What is menu option to inquire CC accounts opened under one CIF ID?
HCUCC
Question replied on : 05.04.2018
14. What is menu option to inquire OD accounts opened under one CIF ID?
HCUOD
Question replied on : 05.04.2018

Product: Security

1. While entering insurance details, user is getting error "Apportioned value cannot be more than
collateral value"
Run HCLM menu option. Function -Modify. Go to Particulars tab. In document code the value is shown
as MIG XXX. Delete this value and enter valid document code (only in numbers). Fill all the mandatory
fields and enter insurance details and press on submit button.
Question replied on : 31.03.2018
2. While modifying HCLM, user is getting error "Collateral is under insurance"
Please ensure secuirty is fully insured.However, this is only a message. User having power of more
than 40 can accept the same and proceed further.
Question replied on : 31.03.2018

Product: security

1. While linking collateral with account using HSCLM menu option, which amount has to be
entered in apportioned value?
In apportioned value field in HSCLM , please enter the security value which is to be linked with the
said account. If only single account is linked with that collateral, you may enter full collateral value. In
case multiple accounts are backed with a single collateral, enter the value which is required to be
taken in a particular account as per sanction.
Question replied on : 31.03.2018

Product: Security

1. How to enter new security in HCLM?

Step 1. Invoke menu HCLM Step 2: Function code - Lodge, Security type - As per requirement Step 3:
Fill all the mandatory tabs (General, Particulars, Charge, Inspection) and get the same verified
Question replied on : 31.03.2018
 2. How to link security with loan account?
Step 1. Run Menu HSCLM Step2. Now choose function Link Step 3.Mention loan Account Number .
Step 4. Mention Collateral ID of the security to be linked (you may search collateral ID using menu
option HCLL). Step 5.click on Accept. Step 6.Now enter "Apportioned Value" ( Apportioned value is
that amount of security which is required to be linked with the said loan account) Step 7.Mention as
Primary or secondary security(As per requirement). Step 8.Click on submit and get it verified.
Question replied on : 31.03.2018
3. How to search for Security Id linked with Loan account?
Run Menu HCLL, enter account number to search the linked collateral.
Question replied on : 31.03.2018
4. How to enter Insurance details of Stock
Through HCLM menu in the Insurance Tab
Question replied on : 31.03.2018
5. How to unlink security from a account before closure of the Loan Account.
Security can be deleted by using HSCLM with Function Unlink. The reason code to be properly
mentioned as Closure in case or Withdraw in other cases where other security may be added later.
Question replied on : 31.03.2018
6. While entering stock value System gives error " Apportioned amount less than Collateral
Value"
In HSCLM modify the apportioned amount which should be less than the value of stock to be entered
in HCLM. After verification of HSCLM enter the collateral details in HCLM
Question replied on : 31.03.2018

Product: SIM

1. How to enter SIM in loan account?

Invoke menu option - HSIM> Add option. On first page, set execution time as "A", Auto Post flag
should be set as Y, Del transaction if unposted should be set as Y. Enter maximum number of
attempts(preferrably 90) Enter debit leg of transaction and credit leg of transaction in Sub Instructions
tab and submit. Please note that system will automatically take Flow ID as COLEC.
Question replied on : 31.03.2018

Product: SSO

1. After Login System Gives Error - SYS Already A Session Is Available For This Browser. Please
Logout, Close This Browser And Use A New Browser To Login.
New Session and login afresh
Question replied on : 13.06.2018
2. System is displaying message “INVALID USER ID OR PASSWORD”.
All the Finacle 7 users have been migrated to Finacle10 with their respective passwords in Finacle7.
Still if password required to be reset, branch user itself can change it from the user having access of
SSOADM.
Question replied on : 24.04.2018
3. My user id is LOCKED?
If user tried LOGIN with wrong password, after 3 attempts user will be locked. Branch user itself can
unlock in RESET USER LOGIN DETAILS / LOGIN ATTEMPTS.
 Question replied on : 24.04.2018
4. I forgot my password, reset my PASSWORD.
If Password of a user id is to be reset, Branch DB user can rest password in RESET USER LOGIN
DETAILS / PASSWORD.
Question replied on : 24.04.2018
5. I have changed the password of a user or have unlocked the user but still system displaying
message USER ID IS CURRENTLY DISABLED.
DB users in branches and ZC users in admin offices are using wrong flow to unlock a locked user.
DB/ZC users are changing the password of locked user instead of unlocking the same. In such cases
first of all try to use correct flow. i.e. 1. In case of locked user only unlock the user id 2. If password is
changed then after displaying above message to the user, once unlock the user id again.
Question replied on : 24.04.2018
6. After LOGIN user is not able see the solution. For e.g. if the user want to work in FINCORE but
not able to find FINCORE in solution.
User to give access to the resources SSOADMIN->MAINTAIN USER ACCESS DETAILS->USER_ID-
>TICK ON THE RESOURCES TO BE GIVEN. CO/ZO users to lodge a call in SPSD for this.
Question replied on : 24.04.2018
7. Only CHANGE CREDENTIALS option is showing in my user.
Whenever password is reset for your user id, system forces to change the reset password, in that case
only CHANGE CREDENTIALS option will display until user changes the password of his user id. User
had to then logout and login.
Question replied on : 24.04.2018
8. SSOAdmin option is not visible in my user id.
Availability of SSOAdmin to a user will depend upon his user application name in CORESERVER. On
migration SSOAdmin will be available to DB and ZC users only with restricted powers. Branches/C.O.
have to lodge a SPSD call to have or to remove access of SSOAdmin from a user id.
Question replied on : 24.04.2018
9. All the options in SSOAdmin are not available to my user id.
DB/ZC users are enabled for only reset the passwords and unlock the locked users. All other options
like creating/modifying/deleting a user will be handled by D.C. users.
Question replied on : 24.04.2018

Product: Subsidy

1. How to open a subsidy linked account?

Run menu HOAACLA, enter proper scheme code (Subsidy Scheme). Subsisdy account will be
opened automatically on verification of loan account.
Question replied on : 31.03.2018

Product: subsidy

1. How to enter subsidy details in Subsidy account?

Subsidy account will now be opened through HOAACLA only. But do not enter the subsidy details in
Refinance and Subsidy Tab. Instead once the account is opened the subsidy details will be entered
through HTMPS menu option. Further all transactions in Subsidy accounts will take place through
HTMPS.
 Question replied on : 31.03.2018

Product: SVS

1. How to SCAN the Signatures in FINACLE 10?

Process document is created for the scanning of signatures given in PNB front page ->FIN 10X
CONFIG and DOCS ->Process document – SVS doc. Branch user can be guided by the document for
scanning and uploading of signature. All signatures are to be scanned for ACCOUNT. Only Locker
signatures is to be scanned by cust_id.
Question replied on : 18.05.2018
2. Signatures are scanned in the account but not showing?
While scanning of signatures user may have given Signature Expires On back date to that of branch
BOD date. Kindly rescan all such signatures.
Question replied on : 18.05.2018
3. Some parameters to be checked while scanning--
1.Size of the image should be below 250 KB 2.Effective date if given should not be less than Branch
BOD date and Expiry Date should be given as 01/01/2099. 3.Signatures can be scanned in any format
like JPEG,TIF,GIF,BMP etc.
Question replied on : 18.05.2018
4. While scanning the signatures error message controller not found or error in installing of
ACTIVE X controller.
User to check and update the Browser setting given in Circular No – ITD/CBS/03/2018
Question replied on : 18.05.2018
5. Signature were able to view in FIN 7 but in FIN 10 signatures are not showing?
In this case two type of errors are coming. Error 1—View is restricted while checking or inquiring the
signature. – Kindly raise SPSD incident for the updating of signatures in SVS. Error2 – No matched
Signatures and photographs found for the given account no and CIF. – Earlier in FIN 7 signatures are
shown firstly on account basis, then on the cust_id and after that on the accounts in which PRIMARY
CUST_ID is given.
Question replied on : 18.05.2018

Product: Term loan

1. While trying to fetch Interest Table Code in HLINTTM instead of records # is displayed.
It is an issue of java policy. Update the same.
Question replied on : 31.03.2018
2. While collection of charges through MCHRG menu, system gives error "Account is not
maintained in BACID"
Please use updated office account number in terms of MISD Circular no. 12/2017.
Question replied on : 31.03.2018

Product: term loan

1. How to reschedule Account in FIN 10?

Use menu option HLARA with function as Reschedule. Now in "Reschedule by" field choose option P(
Using Parameters).Mention the account number . If the system asks for date, please enter next of last
interest run date, The same can be inquired in menu option HAITINQ . Alternatively, Run Interest till
 date through HLADGEN and proceed. (*Note: Function Amendment can be used only till the demand
in the account has not been generated)
Question replied on : 31.03.2018

Product: Term loan

1. How to run LAXFRINT in Finacle 10?

Now menu option to transfer interest from partitioned account to main loan account is HLARA.
Question replied on : 31.03.2018
2. While doing HLASPAY or HLADISB in NRO account system asks for Report code.
The system has currently no provision for direct transfer in NRO account through Loan. Kindly route
such payments through Sundry Accounts.
Question replied on : 31.03.2018

Product: Term loan

1. How to run interest in Accounts?

In OD/CC Accounts interest will be run through menu option HACINT. Please ensure to enter account
number, Set post Transaction Flag as 'Y' and in Debit/Credit Interest Field Select Debit Interest only.
In other loan accounts interest will be applied through HLADGEN. Ensure to enter the account
number. Set Force Interest Run Flag as 'Y'.
Question replied on : 31.03.2018

Product: term loan

1. How to credit subsidy in education loan?

Use menu HLASPAY. If interest is lying in partitioned account, use Payment towards deferred interest
flag as "Y", otherwise normal credit through HLASPAY.
Question replied on : 31.03.2018
2. A loan account is wrongly credited , how to reverse the transaction?
Invoke menu option HLASPAY, Function - Reversal. In common debit account number field enter the
account number, in which the credit is required i.e operative account number. Enter original
transaction number and date. Sytem will populate the transaction details. Click on submit to confirm.
Question replied on : 31.03.2018

Product: Term loan-repayment

1. How to transfer funds from Office account to a Term loan account ?

Step 1. Run menu HLASPAY Step 2. Please choose Transaction type As Transfer Step 3.Please
enter Office account to be debited in common debit account. Step 4. Please enter reference number
(as appeared in office account -TM-> Field Name-> Reference no ) of the transaction in Ref no field.
Step 5. Now click on "GO" . Step 7. In the next page fill in all details and submit. Step 8. Verify in
HLASPAY If Reference number field is blank in Office Account transaction, then recreate transaction
through HTM menu by debiting/ crediting same Office account and ensure entering a value in
Reference Number field.
Question replied on : 31.03.2018

Product: Term loans

 1. While Closing loan accoutn In HPAYOFF menu , system is giving error message - intt is not
update date
Step 1. Run menu HLADGEN Step 2. Select "Force Int" as Yes System will apply uptodate interest,
that canbe checked using HPR menu. Now run HPAYOFF menu.
Question replied on : 31.03.2018
2. How to inquire intt in a education loan which is in Holiday period?
Please run HPHINQ and inquire for interest in partition account.
Question replied on : 31.03.2018
3. How to handle credit balance in term loan account
If account is fully paid off, run HLADGEN- set force interest flag as "Y". Then run HPAYOFF and get
the same verified. Close account using CAACLA. If account is not to be closed, then credit balance
can be reversed using menu option PNBLACHG.
Question replied on : 31.03.2018
4. How to claim subsidy in Education Loan Accounts?
Use menu option EDULOANM for the same.
Question replied on : 31.03.2018

Product: TRADE FINANCE

1. How can we link Tem Deposit as Margin while issuing a Bank Guarantee through menu option
OGM ?
In menu option OGM once all details are filled in please select Margin Tab > Lien > Enter Term
Deposit account number in Operative Account > Enter Lien Amount and proceed.
Question replied on : 04.04.2018
2. Whether more than one accounts can be linked to a LC / LG as margin?
Yes, more than one accounts can be linked to a LC / LG as margin by clicking on the "Add" button
under Margin tab.
Question replied on : 04.04.2018
3. What is the applicable rule for Bank Guarantees?
URDG should be selected as the applicable rule for Bank Guarantees
Question replied on : 04.04.2018
4. Difficulty faced while closure of the Guarantee due to linked margin account not being visible
While closing Bank guarantee using menu option OGM we have to visit the Margin details and select
"release" in Margin Action & click on GO Button, the linked margin A/c would become visible and the
margin amount should be filled in the release amount.
Question replied on : 04.04.2018
5. How to unlink margin account while closure of the LC ?
Please run menu option ODCM , visit Margin details and select "release" in Margin Action & click on
GO Button, the linked margin A/c would become visible. Mention margin amount in the release amount
field and proceed.
Question replied on : 04.04.2018
6. While issuing guarantee through menu option OGM , Message 752 is not being generated.
Temporarily Message MT 799 is to be used, mention TREAT THIS AS MT 752 .
Question replied on : 04.04.2018
7. While Invocation of Guarantee using menu option OGM user is getting error" There is not
sufficient Balance in customer's A/c".
 There should be sufficient balance in the customer account during invocation of bank guarantee.In
case guarantee is required to be invoked by giving Temporary Overdraft then the same to be given to
the customer before invocation using menu option HACTODM.
Question replied on : 04.04.2018
8. How to print advices of bills to parties
BADVP (for Foreign Bills only)
Question replied on : 04.04.2018
9. While lodgement of Inland bills of the customer using menu option MEOB, user is getting error
"FPC for CIF not entered"
In General detail of CIF please change trade finance as Y(yes). In case customer is not dealing with
foreign trade then in trade finance tab classification has to be set as "O".
Question replied on : 04.04.2018
10. What is the difference between HIRM & MEOB menu option?
For Remittance, Cheque & Draft Purchases please use HIRM & HORM menus . For Bills, Cheque
Collection (ODBC) MEOB & MIIB menus are to be used.
Question replied on : 04.04.2018
11. How to see the details of bills/ IMT lodged during a particular period, similar to FBI in FIN 7
HBKFBI Menu can be used
Question replied on : 04.04.2018
12. Forwarding Schedule for Forex Bills is not being generated by the system.
DAYRPT 7/1 can be generated, if it is not generated then it has to be prepared manually till it is fully
customized
Question replied on : 04.04.2018
13. How to close RPC A/c
Run RPCINT to update interest in the account then Use HCAACPS menu option to close the
account.
Question replied on : 04.04.2018
14. How to transfer credit balance from PC account to customer C/A account?
Please use HTM menu to transfer credit balance in Current A/c (only in cases where there is credit
balance in the PC A/c.)
Question replied on : 04.04.2018
15. ISB inadvertently gave credit in Current / CC account of customer instead of PC account .How
to rectify it?
To transfer the amount from Current A/c or CC A/c to PC A/c, please use menu option MTFT> select
Txn happened outside MTFT.
Question replied on : 04.04.2018
16. How to see partywise overdue packing credit of the branch
POVDPC menu can be used.
Question replied on : 04.04.2018
17. How to see the Interest applied in PC A/c
RINTRPT menu can be used.
Question replied on : 04.04.2018
18. Menu for Lodgement of Bill of Entry in the system
CINBOM menu can be used.
 Question replied on : 04.04.2018
19. While doing HLASPAY or HLADISB in NRO account system asks for Report code.
The system has currently no provision for direct transfer in NRO account through Loan. Kindly route
such payments through Sundry Accounts.
Question replied on : 04.04.2018

Topic: IAD
Product: Customer's accounts

1. Can we allow an illiterate customer for making of a DD of Amount Rs 300000 without any
cheque. If yes provide me circular no or procedures legally.
Yes we can make a DD of Rs 3.00 lacs but the operations in illiterate accounts should be allowed only
in person with due diligence.
Question replied on : 21.11.2017, Reference : IAD 32/17

Product: Duties of second Man

1. What are the duties of 2nd man?

Duties of Second Man has been stated in Operations Div Circular no. 4/2006 and 9/2006, IAD CIR no
41/17 and passing & signing powers in IAD circular no-31/16.
Question replied on : 22.02.2018, Reference : Operations Division Circular no 4/2006 and 9/2006 and
IAD CIR 41/17 and passing & signing powers in IAD circular no-31/16.

Product: Intersol accounts

1. What is the third party cash payment limit in case of intersol accounts?
In intersol account Third party payment in SF upto maximum 50000/- per day and in CA upto
maximum 100000/-per day (Cir.32/2017 page 91 -92)
Question replied on : 06.01.2018, Reference : Inspection and Audit Division circular No. (32/2017
page 91 -92)
2. What is the maximum limit of intersol cash payments(SELF) as per bank circular in individual
a/c in a day ?
5 lacs per transaction. Please refer to INSPECTION AND AUDIT DIVISION CONSOLIDATED
CIRCULAR No. 32/2017 INTERSOL TRANSACTIONS IN CUSTOMERS’ ACCOUNTS
Question replied on : 08.11.2017, Reference : INSPECTION AND AUDIT DIVISION CONSOLIDATED
CIRCULAR No. 32/2017

Product: Nominations

1. Can a self operated minor account have a nominee? Please mention the circular number as
well.
No, A self operation minor account can not have a nomination Please refer to INSPECTION AND
AUDIT DIVISION CIRCULAR No. 28 / 2011 Book of Instructions (Operation) – Chapter IV –
Customers’ Accounts – General Instructions - Nomination Facility Point p
Question replied on : 08.11.2017

Product: Operations

1. A cheque of A branch is presented at B branch. No account is held by both parties at branch B.

Can the cheque be processed at branch B?
 The remote SOL which is not maintaining accounts of the drawer and the payee/endorsee may permit
transactions after DUE DILIGENCE in accounts where mobile number is recorded in the account and
is enabled for receiving SMS alerts, as detailed hereunder: i) In Savings Fund Accounts: -3 rd party
cash payments up to a maximum of Rs.50,000/- per day. Aggregate of all inter-SOL cash payment
transactions on a single day shall be ascertained by the branch making the payment. –Transfer
Transactions up to a maximum of Rs.1,00,000/- per day. Aggregate of all inter-SOL transfer debits on
a single day shall be ascertained by the branch making the transactions. ii) In Current Accounts: -3 rd
party cash payments up to a maximum of Rs.1,00,000/- per day. Aggregate of all inter-SOL cash
payment transactions on a single day shall be ascertained by the branch making the payment.
–Transfer Transactions up to a maximum of Rs.2,00,000/-. Aggregate of all inter-SOL transfer debits
on a single day shall be ascertained by the branch making the transactions.
Question replied on : 23.12.2017, Reference : IAD CIRCULAR No. 23/2015 further consolidated in
Book of Instructions Ch IV circulated vide IAD circular 32/2017
2. What is the cash withdrawal limit at non base branches for third parties?
In Saving accounts upto Rs. 50000/- in a day. In current accounts upto Rs.100000/- in a day. Also
refer to para 26 of IAD circular no 32/2017
Question replied on : 21.11.2017, Reference : Refer IAD 32/2017 page 91-92
3. Is there any circular regarding rtgs and neft which says that we do not require any voucher for
doing rtgs,only cheque is sufficient.
No there is no such circular issued
Question replied on : 13.11.2017
4. When a combo voucher can be used in place of cheque ?
No we cannot use combo voucher
Question replied on : 05.11.2017, Reference : IAD CIR NO 24/14 DATED 31/03/2014