CBS

CBS CONCEPTS

CBS, DIGITAL AND IT PRODUCTS

TECHNICAL
TERMS IN CBS

• The USERS in BANCS are differentiated by USERTYPE and CAPABILITY Levels

• User type refers to the function to be performed by the User

• Capability level refers to the power that can be exercised by a user.

• VPIS-Value Paper Inventory System

• GLIF (General Ledger Interface File) is an interface between BANCS and Finance1.

• GLIF difference is NEGATIVE, it indicates that some debit entries have failed and if it is POSITIVE
that some credit entries have failed.

• In CBS the term deposits except RD and VRD automatically roll over for the same period of deposit on the
due date. RD and VRD will be rolled over as (ODDRD/ODD VRD) a current account.

• The CBS system deducts TDS in a deposit account, When the total interest paid to customer under the same
CIF in a bank per year exceeds Rs.40000.
• There is no TDS on SB but interest beyond amount of Rs 40000 in the same CIF is taxable. (TDS is
applicable to NRO SB).

CBS system allows payment of back date interest in deposits, Up to a maximum of 14days interest.

• IFSC Code-Indian Financial System Code (A code no with 11 Characters for RTGS/NEFT participating
Bank branches given by RBI). e.g. IFSC code of Indian Bank Thiruvananthapuram Branch is
IDIB000T056.

• Cash handling charges is applicable to cash remittance in current account/OCC/OD. Up to Rs 2 Lacs Free, there
after Rs.1/- per 1000 with Min. Of Rs. 100 to Maximum of Rs. 5000

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 CAPABILITY LEVELS /USER TYPES of
Cashiers/SWOs/Officers

Existing Designation CBS ROLE Financial powers

USER TYPE Capability Cash Cash Clearing/
Receipt Payment Transfer
Teller Teller 1 1 NIL NIL NIL
SWO– A Teller 1 3 15000 10000 15000
SWO– B Teller 1 5 25000 20000 25000
Head Cashier-II Head cashier 1 7 25000 20000 50000
Head Cashier II/SWO B. Head 70 7
Cashier/Teller
(In Rural
branches, clerks
Spl. Assistant Teller 1 8 35000 35000 150000
Officers

• Queue will be generated on creation/ sanction of more than Rs.2 lacs is entered by any user and all
transactions of more than Rs.2 lacs should been tired through batch mode only. Such transactions will
generate a queue to be passed by another officer irrespective of the capabilitylevel of the maker.

• Phishing is a form of Cyber Attack in which scammers, attackers make internet users divulge sensitive
information about their bank accounts and personal details using the E-mail ids.

Circular No HRM.30/2017 dated 08-06-2017

HRM.30/2017-

• Single Window Operator – “A” shall perform the following additional duties:
• Passing and cash payment of all cheques / withdrawal forms / vouchers etc up to and including10,000/-
• Receipts of cash up to and including `.15,000/- and
• Passing independently transfer and clearing cheques, vouchers etc. (both debit and credit) Upto and including
`.15,000/-.

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Transactions restricted to Home Branch in CBS

• Closure of Deposit accounts

• Addition/Deletion of names in Deposit accounts.Change of address.
• Change in Mode of operation Noting/Changing of Nomination Change of ownership of accounts. Modification
of signature.
• Issue of Cheque books.
• Revocation of Stop Payment Instructions.Modification of SI.
• Form15G/15H
• Power of Attorney/ Mandate Settlement of death claims Discharge/Release of securities.
• Lifting of Lien/Hold in a deposit account.
• Disbursal of Loan/Release of additional facility / allowing excess in loan accounts. Closure of Guarantee
account.

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 GST Seeding in CBS
for Customers
• To comply with the GST Regulations and for passing the input credit to the customers in respect of the
GST collected from them, the Bank has to obtain the GST Number/s of the Customers and update the
same at their CIF / Account level.

• Facility is provided in CBS for updation of the GST No. of the customers who submit / furnish the GST No
directly at the branch. The branches have to obtain a copy of the GST No.

• Registration Certificate (PID) as proof of allotment of GST No. And keep the same as branch record and
update the GST No. intheCIF.

• If customer provides only one GSTN of or seeding in different accounts held by them, the GST No.
updated at CIF level will be applied to all the accounts linked to that CIF.

• T h e GST No. furnished by the customers will be validated by the System for structural validity as above
and if they match, the GST No. will be updated in CBS.

• In case of mismatch in PAN No as per CIF and GST No., Branches have to advise the customer to provide
the correct PAN with copy of the PAN card and verify the same with PAN as per GST No., update the
PAN in CIF and then seed the GST No in the CIF.

• In case of mismatch instate Code as per CIF and as per GST No. given by the customer, Branches have to
advise the customer to provide the address (with proof for address)for the GST No. provided, for updation of
the same at account level.

Updation of Multiple GST No for same custome rin Account level:

• Whenever, a customer gives more than one GST Number, for updating in their various accounts maintained by
the min different States linked to same CIF, branches have to obtain the address proofs relating to the each
such GST Numbers now furnished by the customer and update the same in the respective accounts, at
account level, through the facility provided in CBS.

• For walk in customers, who transact at our branches, such as purchase of DD, seeking NEFT transfer etc.,
by cash, a facility in CBS is provided to enter their Name and GST No.(if provided by them)for complying
with GST Provisions. Copy of the GST No. of the customer to be obtained and kept with bank’s records.

• Branches have to enter the GST No. provided by the walk-in customer and after the transaction is
completed, an Invoice will be generated in the CBS, which has to be printed, signed and given to the
customer.
• With the invoice details only the customer will be able to get the benefit of input credit for the
transaction.

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 SFVM Module
-Changes

Change in accounting in SFVM Module:

• As per GST Regulations, the Bank is eligible for input credit at 50% of the GST paid on purchase of
capital goods and hence only 50% of GST paid would be capitalized along with the cost of the goods under
SFVM and accordingly the SFVM module in CBS has been modified.

Creation of Vendor Master & Expenses Entry Screen in CBS:

• To enable the Bank to avail full input credit on all goods and services purchased/availed at branches and
administrative offices, a Screen is enabled in CBS to capture the individual purchases of goods &
availment of services. All expenses made by branches/offices, except interest and salary will be routed
through this screen, to capture all non interest non salary transactions which require GST Compliance.

• Further, to facilitate the branches to auto fill certain regular details of invoices, a branch level Vendor
Master needs to be created in CBS. Accordingly, a facility for “Vendor Master” creation is made in
CBS, to enable the branches/offices to enter the vendor details & purchase details and avail the full
benefit of the input credits.

Funds Book

OLRR –CBS Menu for processing

Funds BookCBS Menu

• OLRR - Inward Cheque Clearing Enquiry -Multi Level enquiry –Generation of OLRR Report Branches will
be processing their branch funds book in their MENU itself. Branches need notlog into the Service
Branch URL.

• OLRR, this can be done by the individual branches itself. The no. of failed records can be viewed from Scr
No.9571.

• View Records will display the details of the branch from which the ICL file is processed and the No. Of
records and their total amount.

• If different Service Branches have uploaded the Funds Book file pertaining to a particular branch, the same will
be displayed one below the other with total number of instruments and amount inScreen No. 9571.

• It is for the branch to process the funds book entries at their convenience but within the cut-off time as
mentioned by the Service Branch. If the funds book is not processed within the cutoff time by the branches,
then the Service Branch will automatically return the unprocessed entries without informing the concerned
branches, for which the concerned branch alone will be solely responsible.

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 • The Authorizer at the branch can noted it any of the above fields like cheque no, Account Number, amount,
transaction date, which is captured from the uploaded file from Service Branch. He/she can only pass or fail
the funds book transaction.

BGL Head

BGL Head97234(Non Reconciliable)- CIBIL recovery charges Mapped toCGL 48041505016

MANDATE
MANAGEMENT
SYSTEM

• B r a n c h e s should enter the data in the CBS menu. On passing the queue generated, CBS system will
generate the Bank Unique Reference Number(BURN),which shouldbe noted in all the three copies of the
mandate forms.

• All accepted Mandates by the destination banks will be provided with the Unique Mandate Reference
Number(UMRN),which has to be noted in the Mandate copy retained by the branch after verifying the
“Report of Accepted Mandate”

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 Latest in CBS
and Computers

Active Directory
Password for
SWIFT users

Password policy for Active Directory Logins for all the staff accessing SWIFT Alliance Access (Only) has been
changed. When users try to login to their PC via Active Directory, they will be prompted to change their password.

The password should be more than 17 characters and should have at least a Number, an Upper Letter alphabet, a Lower
Letter alphabet and a Special Character. Further the following controls are applied to the PCs accessing SWIFT
alliance access.

• Dedicated operator PCs should be used for SWIFT purposes only.

• Restricting access to only authorised operators with their respective names.
• Remove all software including Bank’s mail access, outlook, word, excel etc.,
• Only software allowed is Anti-malware.
• Strictly no Internet/Email access in any SWIFT client PCs.
• Disable DVD access.
• All SWIFT client PCs should be in domain and users should login through Active Directory
loginonly (All branched are advised to put SWIFT PC strictly in Active Directory)
• BANCS link will be Disabled/Blocked in all SWIFT client PCs.

SKYPE

• IP Message is replaced with Skype and E-mail solutions with effect from 31-12-2018.

• All Forex Authorized Branches are requested to use Skype (only) for sending SWIFT Authorization request
letters.

• Skype should not be installed on SWIFT alliance access PC.

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 Periodic KYC
Updation

• KYC updation for all customers should be done once in two years for High Risk Customers, once in eight years
for Medium Risk Customers and once in ten years for Low Risk Customers.

• To facilitate the branches in the KYC updation exercise, the CIFs which are due for KYC updation is ported
in Help Desk->Important Messages for time bound action->Compliance to KYC/AML guidelines->List
No.7.

• Branches can access the list directly through the link

http://10.100.6.213/cnet/dupcif/HI_RSK_2_KYC.aspx.

• Corporate Office is sending SMS to customers for submission of KYC to the Home branch. Branch should
obtain the latest KYC from customers and update in CBS.

Updation of
Beneficial Owners

UPDATION OF DETAILS OF BENEFICIAL OWNERS IN CBS FOR ENTITIES

• As per the extant guidelines and Master Directions of RBI on KYC, Banks are supposed to have with them
the details of Beneficial Owner/s of entity customers.

• The latest circular in this regard is GENL 15/2018-19 dated 11/07/2018 wherein the Branches are advised to
obtain the details of Beneficial Owners for entity customers, create a Personal CIF for them and create
relationship to the Non-Personal CIF as Beneficial Owner (Relationship Code:0043).

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 NOMINATION FACILITY

Introduction of the facility online & Simplified Nomination facility in CBS in line with online mode

• Nomination facility is being extended by the Bank to all the customers in respect of Deposits, Safe Deposit
Lockers and Safe custody accounts.

• Facilitates a deposit account holder(s) (Individual or Sole Proprietor) or Safe Deposit Locker holder(s) to
nominate an individual, who can claim the proceeds of the deposit account(s) or contents of the Safe Deposit
locker(s), post demise of the original depositor(s) or locker holder(s).

For the ready reference of the Field level functionaries, the following is a quick recap of the salientfeatures:
• Nomination can be made at the time of opening the deposit/account or at any time later during the currency
of the deposit/account.

• The customer has to indicate his options in the account opening form whether he intends availing
nomination facility or not. If the customer does not want to avail the nomination facility, the same should
be recorded in the opening form under his signature. (In the Account opening form on the 3rd page a
provision is made under column “Nomination” as whetherNomination is required for this account/deposit
as per details given in Form DA 1 or Nomination is not required” (Either of which the customer has to
tick)

• The Nomination shall be in favour of an individual only.

• Nomination can be made in respect of Deposits/Accounts which are held in the individual capacity or in the
name of sole proprietary concerns only. If the proprietary concern undergoes a change in constitution (for
example – as a partnership or limited company) the nomination made will stand cancelled.

• Nomination shall not be made in favour of non-individuals such as temples, associations, institutions etc.

• Nomination shall not be accepted in accounts held in any representative capacity such as accounts of Trust,
Association, clubs, society or any other organization or any office bearer thereof in his official capacity.

• Nomination shall not be made if more than one person jointly deposits articles for safe custody.
• The depositor or the depositors together, shall nominate in the prescribed manner only one Individual to
whom the amount of deposit shall be paid in the event of death of the depositor(s).
• In case of deposits in the name of minors, persons lawfully entitled to act on behalf of minors shall make the
nomination.

• Where the Nominee is a Minor, the depositor(s) may while making the nomination appoint some other
individual (lawful guardian) who is not a minor, to receive the amount/articles on behalf of the nominee during
the minority of the nominee. Date of birth of the minor to be noted in bank records.

• In deposit of articles for safe custody, nomination can be made only if the deposit is made by a single
individual or sole proprietary concern.

• In case of safety lockers held by a single hirer, only one Individual can be named as nominee. If the safety
locker is held in joint names with mode of operation as “Jointly”, the hirers can nominate one or more persons,
who shall operate the locker along with the surviving hirer. However, nomination should not be accepted
for safety lockers held in joint names with mode of operation with survivorship clause as “Either or
Survivor” or “Anyone or Survivors” .

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 • Nomination, variation and cancellation (as the case may be) shall be made in the prescribed formats as
contained in the manual of instructions. If there are more than one depositor, variation and cancellation
shall be done by all the depositors together.

• Making nomination, cancellation and variation of nomination shall be acknowledged by the Bank in writing to
the concerned depositor / s in the tear-off of the relevant duly completed form.

• If the depositor furnishes a mandate in the Nomination Form, the name of the Nominee can also be entered in the
Pass Book / Term Deposit Receipt concerned. (In the nomination form a provision is made to this effect).

• Where the nomination is made in the prescribed manner, the nominee shall, on the death of the sole
depositor or on the death of all the depositors, as the case may be, become entitled to all the rights of the sole
depositor or depositors in relation to such deposits to the exclusion of all other persons, unless the
nomination is varied or cancelled.

• Normally, when a nomination is made as per the prescribed procedure and the same is not varied or
cancelled, Bank is bound to act as per the terms of nomination only and shall not take note of any third
party claim unless it is supported by order of a competent court.

• While disposing the claim made by the nominee, the Registration No. which is mentioned on the Pass
Book / Deposit Receipt should be verified in the CBS system, inter alia, with other precautions, duly
observed.

Consequently the process of nomination in CBS environment also undergoes a change, while registeringnomination
both online and CBS, the need for creating CIF for nominee has been dispensed with.

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 Outstanding
Liabilities

OUTSTANDING LIABILITIES (OSL) MENU FOR ACCOUNTING QUARTER END PROVISIONS.

• For Quarterly closing of accounts on 31 st March / 30th June / 30th September / 31st December
branches/offices are required to provide for the “Outstanding liabilities” in the last month of the
quarter/half year/year for the regular monthly revenue expenses like Electricity, Furnishing, Repairs/
Maintenance etc.

• Due to the introduction of GST, there was a change in the procedure that all expenses attracting GST are to
be routed through Vendor Master/ GST Revenue Expenditure Screen.

• As invoice is a pre-requisite for entering in the GST Revenue Expenditure Screen, there will be difficulty
in keeping “Outstanding Liabilities” through the said Menu. In order to overcome this, a “Outstanding
Liabilities” screen was introduced and enabled for earlier quarters and the same is enabled again for
Branches/ Zonal Offices/ other administrative offices

• Menu for accounting of outstanding liabilities (OSL) for quarter end provisions is enabled in CBS as given
below.

Navigation >>>Menu>>>Branch Accounting (BGL)>>> Transfers>>>Outstanding Liabilities (OSL)

Important Points

• Revenue expenses not booked only should be entered. Expenditure already incurred/booked should not be entered in
this screen.

• Do not include GST portion.

• This entry will be automatically reversed by the system on 1st week of next month.

• Two options are given

• (O) - entry for booking the expenditure

• (R) - rectification, if any

• In the next month, the expenditure should be booked through GST Revenue Expenditure Screen as normal
expenditure based on the invoice particulars. The system will take care ofaccounting.

• Do not enter expenditure entries already lying under SRII, as it will inflate expenses.

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SMA NPA
DASHBOARD

SMA / NPA Monitoring Dash Board

SMA / NPA Monitoring Dash Board is developed for the use of Departments / Zones / Branches formonitoring
of SMA0, SMA 1, SMA2 and SMASS and NPA position in their respective areas.

The salient features of the dash board are as follows:

• Dash Board is provided with vertical wise SMAs on Agri,MSME,Retail and Corporate Segments.

▪ Department can view the SMA position on Zone-wise, Branch-wise,SMA Category Wise, Segment /
vertical-wise , Amount Range – wise, Product – wise, customer –wise and Account- wise etc.,

• Zones can view the data relating to their branches by selecting the above parameters.

• Branches can view the data relating to their branch by selecting the above parameters

• Drill Down is available up to account level

• Data can be extracted based on any combination of the above parameters – individual accounts /summary
segment-wise.

Navigation:

CBS Helpdesk --> Menu Other Websites MIS Dashboard SMA / NPA Monitoring

LOANS in 59

MSME Loan in 59 minutes

CONTACTLESS BANKING PLATFORM FOR MSME LOANS (psbloansin59minutes)

• MSME entrepreneurs can submit his/her loan application with credentials like GSTN, PAN, Bank account
Number for MSME unit online and get in-principle approval, from a Bank of his/her choice available in the
platform, within 59 minutes.

• The applicant can select the bank of his/her choice

• Applicants can apply for loan amounts ranging from ₹ 1 Lakh to ₹ 5 Cr under PSB Loans
in 59 minutes from any public/private sector banks or Non- Banking Financial
Institutions (NBFCs).

• The MSME entrepreneurs can access the platform through the following URL – website address:
www.psbloansin59minutes.com

• Our Bank Specific URL for accessing the platform by MSME entrepreneurs is:

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 www.psbloansin59minutes.com/indianbank

• By accessing through this URL, a potential MSME customer will be able to select one of our Bank branches
only for submitting his / her application.

• The URL for accessing the platform by a Banker to view the loan applications received, download reports etc.
:www.psbloansin59minutes.com/sidbi

• Bank also can use this platform for appraising the application received through the platform.

• The platform is enabled both for applications with collateral security (outside CGTMSE / CGSSI) and
without collateral security (with Credit Guarantee cover).

• The expected TAT (from getting in-principle approval by applicant in the platform to disposal of
application i.e., disbursement of loan / rejection of loan) is 7 days for loans with Credit Guarantee Cover
and for loans with collateral security, TAT is as per BCSBI (Banking Codes and Standards Board of
India) norms.

• MSME CPUs will be linked immediately on operationalization of respective CPUs. Other branches will
also be linked in a phased manner.

• The above initiative is in addition to the existing UDYAMIMITRA portal available for MSME
entrepreneurs to submit their loan application on line to a Bank branch of their convenience. Here the
submitted application is forwarded to Bank unprocessed as a lead. Branches shall continue to exploit the
advantages of Udyamimitra Portal as per extant guidelines.

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 SANCTIONING AUTHORITY CODES IN CISLA
SCREEN

Appropriate Sanctioning Authority Codes are not being selected by the branches while entering Loan /ODCC
details in CISLA screen ,particularly for the sanctions made by ZLSCC headed by DZMs.
Specific Sanctioning Authority Codes have been allotted for this category, as given below:

• 58: ZLSCC (CM)

• 59: ZLSCC (AGM)

• 60: ZLSCC (DGM)

If the branches are not getting the above values in the drop down, apply the patch “Patch for latestSanctioning
Authority Codes in loans / cisla” available in Help Desk.

INFORMATION FOR PROJECT LOANS IN CISLA

FIELD

For entering the information for Project loans a new field has been added in CISLA (Cisla fields

"Help Desk >> Branch Champion >> Patches for Bancslink>> "Patch for entering Project Loandetails"

If project loan has been selected as "Yes” than branch has to enter the Date of Commencement ofCommercial
Operation (DCCO Date which should be future date) and Sanction reference number.

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 CISLA MODIFICATION FOR CGTMSE

CISLA MODIFICATION FIELD 3 (CGTMSE COVER) - MANDATORY FIELD

A drop down for selecting the name of Credit Guarantee scheme in CISLA Field 3 and % of Credit Guarantee cover
for extracting account wise information of Credit Guarantee Cover to the Loan accountsunder various schemes.

Help Desk >> Branch Champion >> Patches for Bancslink>>"Patch for modification of CISLA field 3 (CGTMSE
cover)"

List under drop down

• Not Eligible for Credit Guarantee Cover

• CGTMSE
• CGFMU for Micro Units (Mudra)
• CGSSI for Stand UP India
• CGFSEL for Edu Loan upto 7.50 L
• CGSSD for Edu Loan (Skill Loan)
• Credit Enhancement Guarantee for SC/ST
• CRGFT for low income housing

OD Structured
Data in CISLA etc

To enter OD restructured Date, Date of Commencement of Commercial Operation (DCCO), Date of Stock Audit
and Closure of Stock Audit, Banking Arrangement, Lead Bank Name in respect of Consortium, Risk Rating
etc.,

Branch to enter details in CISLA FIELD 4

GO to CISLA screen under common processing;In CISLA FIELD 4

• OD Restru Y/N : If the account is restructured please select Y

• No of Time restructured ed like 1st, 2nd, 3rd

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 • Restructured date – two columns (first date and second date)

• For Loans – Restructured date to be changed in Loan amend screen

• DCCO Original Date : The menu is only for project loans
• Date of commencement of commercial operation (DCCO)
• DCCO Revised : The details to be given if project is extended
• Rate of interest with other Bank : The rate of Interest for the same product from other bank
• Date of stock Audit & closure of Stock Audit : The date of commencement of Stock Audit and thestock
• Audit closure date to be given
• Banking Arrangement : Select from drop down Whether solo, Multiple, Consortium etc.,

Lead Bank: Lead Bank Name in respect of Consortium

Risk Rating : Internal/External
Revised Asset Classification : Select from drop down standard, non CDR standardRestructured, doubtful, NPA etc.

Educational Loan Details

Income Limit, Course period in Months, Holiday period in Months, Repayment period in Months & CSIS

Income Limit : The Income Limit of the applicant/ co-borrower

Course period in Months: The Course period should be in months from earlier yearsHoliday period in Months : Holiday
period should be given in months
Repayment commencement Date: Repayment commencement date should be given as MMYYYY
CSIS Eligible: To be selected from drop down like New CSIS, CSIS,PADHO PARDHESH, NOTAPPLICABLE

KCC -
SIMPLIFICATION

Introduction of KCC Module

For activating the KCC Module at branches, Patch No 252 for Implementation of KCC Module is
required to be run in branch server. The navigation to the “patch” is as under – Patches for Bancslink for
2008/2012-Patches -Branch Champion-Menu -Helpdesk - Patch for Implementation of KCC Module
(252)-Server
The following are the sub-menus under the KCC Module –
• KCC Document Revival
• KCC Registration
• KCC Account Creation
• KCC Limit Creation
• KCC Security Creation
• KCC Security Authorize
• KCC Limit Approval
• KCC Limit Amend
• KCC Security Amend

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 • KCC Enquiry/ Security Summary

Automation
of GST in FX

Automation of GST on conversion of foreign currency transactions in EXIM Bills module w.e.f.01.01.2019

Circular no. FX. 06/2011-12 dated 21.04.2011 on applicability of service tax on FX conversion and circular no.
FX.10/2017-18 dated 19.08.2017 on GST applicable to transactions relating to conversion of foreign currency.

Calculation of GST on conversion of foreign currency transactions in EXIM Bills module has been automated.
Branches / Offices concerned are advised to take note of the automation with effect from 01.01.2019. For other
modules like Base leg transactions, Remittance module at Treasury Branch Mumbai, development is in progress.

EXIM Module:

• For transactions carried out in EXIM Bills, System will calculate the applicable GST amount w.e.f.
01.01.2019. Branches to verify on real-time basis the correctness of a) GST Amount b) related CBS
accounting entries.
• Wherever GST is calculated by the system, branches need not report the entries to CO:ID at end of the month.
• Transactions where GST is not calculated by the system (Ex.Cross Currency Transactions), branches have
to deduct the applicable GST amount manually and report at the end of month to CO: ID.

Base Leg:

Branches have to deduct the applicable GST amount manually and such transactions are to be reported to CO:ID on
monthly basis as per the existing format.

Remittance Module at Treasury branch:

Branch to deduct the applicable GST amount manually and such transactions are to be reported to CO:ID on monthly
basis as per the existing format. Each transaction routed through EXIM Bills will generate a credit under BGL 97357.
To ensure accuracy of figures, branches are advised to verify on a daily basis thatthe number of transactions routed through
EXIM Bills and those routed through Base Leg are all reflected under the said BGL

Automation of
Documentation Charges

Automation of Documentation charges (Account level) with Concession

• Documentation charges debit has been automated for both loan and od/cc accounts at the time ofsanction /
enhancement of the limits in the approval screens (2420/12420)
• The procedure for entering concession/discount for recovery of DocumentationCharges is also available.

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 Branches to apply the patch available in

Help Desk >> Branch Champion >> Patches for Bancslink>> "Patch for automation of documentation charges with
concession/discount"

Revamping IB i-Freedom

REVAMPING ‘IB i-FREEDOM CURRENT ACCOUNT’ - ‘Smart Account for Smart people’

The following products alone would be available for further account opening and the rest of the sub-variants would be
subsumed in the main variant. The accounts maintained under all the variants would be brought under the umbrella
Current account products as mentioned here below:

Product variant MAB @ Product code

IB i-Freedom Cool 50000 2311 1361
IB i-Freedom Plus 100000 2311 1331
IB i-Freedom Prime 500000 2311 1301

@ Monthly average minimum balance

• As a customer centric measure, product interchangeability, conversion from/to normal current
account/OD/OCC account etc. is being permitted at the branch level itself, to be carried out at any point of time.

• In case the specified monthly average balance under each product is not maintained continuously for 3
months, the products are to be converted into normal current account after prior intimation to the customer.

Digitization of Form 60

The following banking transactions require a PAN or Form 60 .

• Opening an account, other than a Term deposit and/or a basic savings bank deposit account / NRE / NRO.
• Deposit in cash of over Rs.50, 000.
• Purchase of bank drafts or pay orders or banker’s cheques with cash payment of overRs.50, 000 in a single
day.
• Opening of Term Deposit of amount exceeding Rs.50,000 or aggregating to more thanRs.5, 00,000 during a
financial year.
• Wherever PAN is not available, Form 60 needs to be obtained every time the transaction isenvisaged
and the same is to be entered in CBS.
• A Form 60 submitted for cash deposit transaction is valid only for a single transaction.
• For doing another cash deposit or any other transaction as listed above, by the same customer even in same
day, Branch should obtain another Form 60 from the customer and enter the sameagain in the system.
• If the Form 60 is not obtained / entered the system will not allow the transaction to be completed.

The Navigation for entering the Form-60 details is:

• Customer Management >> Amend >> Customer Details (In the drop down option, please select 13: Form 60
details).

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• Branches need to apply the patch available in Help Desk >> Branch Champion >> Patches >> Patches for
Bancslink>>Digitilisation of Form 60.

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 Patch for blocking denomination less than 50paise in cash drawer is available in Help Desk :

• If the customer is having multiple accounts in various states under the same CIF and provides separate
GST No. with relevant address for respective states, then GST Number can be seeded inthe Deposit account
or loan account by going to the menu in Bancs GST Seeding.

• Ensure daily updation of GST Reconciliation Template in MIS Portal id 15 without waiting till month end.

• GST Invoices are generated centrally by CO:Accounts Department. Branches are not supposed to issue manual
GST Invoices to the customers.

• GST Invoices cannot be generated without seeding GST number and updation of GST Income
Reconciliation Template in MIS Portal.

• GST Invoices cannot be generated for the period prior to seeding of GST number in the system.

• GST Invoices pushed by are available in the month end folder of CDC reports which can be downloaded
by the branches.

.
Aadhar Seeding in
Pension Master

Navigation: Help Desk Other Websites In House Applications Aadhaar seeding status in PensionMaster
Aadhaar Details

Concession/Exemption/Exemption Others

Validation for Concession/Exemption/Exemption Others menu in CBS

• From 04/07/2018 Concession/Exemption will be extended to such depositors only if the details of the
Concession/Exemption certificate is entered in the system as advised in the CO: Accounts dept.,
notification dated. 04/07/2018.

• Concession/Exemption certificate Number will be accepted only if the format of the number is with Four
Numeric, Two Alpha, Three Numeric and One Alpha (like 0215CN463A).

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 • Branches have already marked concession/ exemption for certain customer during the current final year.
Branches have to once again redo the concession/ exemption on these accounts as per the revised
guidelines.

Revamping of Term
Deposit Products in CBS

With effect from 16.06.2018

CARD RATE PRODUCTS:

In order to reduce the number of existing product codes and to introduce the card rate products for above Rs. 5 crore
term deposits, the amount wise segregations / selections in the front-end are being dispensed by introducing Tier-id
methodology in the system.

Henceforth, while opening the card rate deposits, branches need to select the TYPE option “11-General” for any
amounts varying from Rs 100 to Rs. 9999,99,99,999. (Instead of “11 for upto Rs. 15 Lakhs”; “26 for Rs.15 Lakhs to < Rs.
1 crore”; “28 for > Rs.1 crore upto Rs. 5 Crores”). Similarly for Capital Gains, NRE TD, NRO TD, branches need to
select their respective BASE TYPE OPTION viz., 17-Capital Gain, 19- NRETD, 39-NROTD for any amounts varying
from Rs. 100 to Rs. 9999,99,99,999.

The existing term deposit accounts will continue till maturity which would be rolled over to the new product (according to
the maturity value) for the same tenure on the date of maturity.

Printing Applicant Name in Demand Draft

It is mandatory to mention the name of the applicant/purchaser in the Demand Draft . For printing the Name of the
Applicant, a patch is provided in the following path: Branch Champion-Patches-Patches for bancslink- Patch for
printing Applicant Name in Demand Draft. While entering the details of Demand Draft with journal No. before
printing, the name of Applicant has to be entered for printing the name of Applicant.

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 SWIFT OPERATIONS

SWIFT operations in all AD Branches ( Presently SWIFT operations fully centralized)

• Adhere to the systems and procedures laid down for remitting funds through SWIFT MT 103 or MT 202
messages.

• All AD branches should use separate PC for SWIFT operations and CBS Bancs system. No internet, Cyber
Roam, Data cards or pen drives to be used on these exclusive Computers dedicated for SWIFT.

• Generic users code has to be changed to SR numbers of the operating officers who will be verifying and
authorizing the SWIFT messages at branch level. All AD Branches to provide names and SR Numbers of the
officers who will be operating the SWIFT system mandatorily to Treasury Branch, Mumbai immediately
under copy to CO ID.

• MT 202 has to be used only for Bank to Bank transfer of funds and only MT 103 format to be used for
individual Customer fund transfer. Branches should not use at any cost MT 202 for Individual
Customer transactions.

• Separate Currency wise and Amount wise limits will be fixed for each branch as per their turnover and
transactions profile. Shortly each branch will be intimated and any change in the limits will have to be
taken up with Treasury branch on case to case basis.

• All AD branches to note that SWIFT server will be down by 7.00 PM for security reasons and branches to
adhere strictly to the time norms with immediate effect.

Inter Operable CO EX Financial

Transactions in CBS at Branches of IB & e
AB

To enable customers of both Indian Bank and Allahabad Bank (eAB) to carry out inter operable co- ex financial
transactions (Cash deposit, withdrawal and Transfer transactions) in CBS, an accounting procedure is designed
for implementation in all the Branches.

The following Non-Financial services are already provided to all the branches.

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 Non-Financial COEX Services
in CBS
Type of Service provided Screen no in CBS
Balance Enquiry F7
Signature Verification F10
Deposits – Short Enquiry 400
Loans – Short Enquiry 10400
Deposits – Transaction Enquiry 450
Loans – Transaction Enquiry 10450
Customer Enquiry 60450

The following transactions are already enabled for the Branches

• Cash Deposit into Deposit accounts (SB/CA/CC/OD &RD/VRD)

• Cash Deposit into Loan accounts (LoanRepayments)
• Correction for Cash Deposit & Loan RepaymentTransactions
• Cash Withdrawal through Cheque fromSB/CA/CC/OD.
• (As transaction through COEX mode will be treated as a host branch transaction, the cash withdrawal
limit for IB customers at eAB is restricted to Rs. 50,000/- per occasion whereas for eABcustomers at IB,
the withdrawal limit is Rs. 50,000/- per day and the same is parameterized in eAB CBS. Therefore, in
case of withdrawals of IB customers ateAB, the limit / transaction is to be checked manually through 450
screen)

• Correction for Cash WithdrawalTransaction

• Registering the STOPCheque
• Funds Transfer between depositaccounts.
• (Presently Intra Bank Funds Transfer is enabled (IB to IB transfer at eAB and vice versa). Inter Bank Funds
Transfer will be enabled shortly and the date will be communicated through Help Desk.)
In the respective CBS Screen, where the interoperability is provided, a separate Check Box is provided at the
top of the screen which is to be TICKED ( ) to proceed for FinancialTransactions.

As the Customers’ accounts of IB &eAB exist in respective CBS Data Servers, the above interoperable
financial transactions (except STOP Cheque) are routed through eight intermediaryBGLs.
These BGLs are not visible to branches and will be monitored centrally by the Reconciliation team in CO
Banking Operations Department with support of CBS PMO.

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 All the interoperable transactions will be posted in CBS with System Teller number 9902018 and (Branch
Code: 09921 for the transactions in IB CBS and with Branch Code:03495 for the transactions in eAB CBS)
along with a unique 12 digit RRN (Routing ReferenceNumber).
Format of RRN in IB CBS > 0XXXXX000001 (XXXXX=Br CBS Code) Format of RRN in eAB CBS >
1XXXXX000001 (XXXXX=Br CBS Code)
Branches should meticulously check the following daily report with vouchers without fail and report the
discrepancies if any immediately to the Reconciliation team (at CO: BOD) & CBS Help Desks (IB &eAB) for
further action/ guidance.

• CO_EX_ORG_Br_Trx_Report
• CO_EX_All_CHQ_STOP_Trx_Report
While handling the Interoperable COEX Financial transactions like Cash Deposit / Cash Withdrawal
through Cheque, the branch Teller must note down the Cash Drawer Balance without fail and proceed.
Also, after completing any COEX Cash transaction, the Cash drawer balance & credit / debit in the
account are also to be checked for confirmation.

Circular No ADMIN- 32 / 2020-21dated 08-06-2020

Further to Circular ADMIN - 46/2019-20 dated 20.12.2019 on the TDS rates applicable for the FY 2019-20 in respect of

Payments made by Banks.

Section Nature of Payment Threshold Limit for Rates %

deductionof TDS

Individual/ Others
HUF
194 A Interest other than on
Rs. 50,000/-
securities (by banks) Rs. 40,000/- 10 10
-For Senior Citizens
-For other deductees

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194 C Rs. 30,000/- for Single
Payment
Payment to Contractors / Sub 1 2
Contractors
Rs. 1,00,000/- for aggregate
payment
during the year

194 H Commission or Brokerage Rs. 15,000/- 5 5

194 I Rent of Land & Building or Rs. 2,40,000/- 10 10

Furniture & Fittings

Rent of Plant / Rs. 2,40,000/- 2 2

Machinery /
Equipment

194 IA Transfer of Building or land(other Rs. 50 Lakhs 1 1

than agricultural land)

194 J Professional / Technical Rs. 30,000/- 2 10

Services, Royalty (FT
S,
certain
royalties,
Call
centres)
194LA Compensation on Rs. 2,50,000/- 10 10
acquisition of Immovable (TDS need not be

Property deducted if
Immovable
Property is
Agricultural
Land)

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 There shall be no reduction in rates of TDS where the tax is required to be deducted at higher rate due to non-
furnishing of PAN/Aadhar. For example, if the tax is required to be deducted at 20% under section 206AA of the
Income Tax Act due to non-furnishing of PAN/Aadhar, it shall be deducted at the rate of 20% and not at the rate of 15%.

Reduced TDS rates on interest on deposits has been implemented in CBS and other rates will beimplemented in
TDS Vendor Module..

Circular No ADMIN- 82 /2020-21dated 07-12-2020

Introduction of new GST Invoice upload screen (for Branches/Offices with IB CBS)
GST has been implemented w.e.f. 01.07.2017 and has replaced erstwhile Service Taxand accordingly necessary
changes were made to comply with GST related regulations.
Recently, Government has modified rules with regard to claiming of Input Tax Credit whichstates that the Input tax
credit claim to be restricted to 110% of GSTR 2A/2B (uploadedby the vendor).
Hence it is necessary to match GST related expenditure transactions with the datauploaded by the vendor in GST
portal (GSTR 2A/2B) on a regular basis to enable Bank to claim eligible input credit on time and correctly. Also it is
necessary to store the copy ofGST invoices for any further clarifications with regard tomatching of invoices.
• Accordingly, to comply with GST Regulations, current Invoice Acknowledgement screen(IA Screen) in CBS
will be dispensed with and a new GST invoice upload screen is being introduced in In-house software
application wherein uploading of invoices for GST relatedexpenditure transactions is made mandatory.
• CO: Accounts Department will match thetransactions entered by branches / offices and the data uploaded by
the vendor in GSTportal (GSTR 2A/2B). Discrepancies in GST if any, will be informed to branches / ZOs
tofollow up with vendor on regular basis.
• The nodal officer for GST/TDS at respective Zonaloffices will act as the single point of contact (SPOC)
for the branches under their control.

Kindly note,

• For expenditure payable under Reverse Charge Mechanism (RCM) andexpenditure where input credit is not
eligible (Blocked credit), appropriate BGL tobe selected from the list .
• Zonal office / CO Department (other than branches) can pay invoices belonging toother state by choosing
correct state code in new screen, where the state code shouldbe state code of place of supply(POS) as per
invoice.
• By default, the state will be thestate where the branch / offices are located and if case of change of POS
only, it shouldbe changed.
• Special care to be taken while entering GST amount in respective columns i.e.CGST & SGST / IGST.

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 For any queries/help, please send email to [email protected] or call 044-
28134387/4391/4393/4525. For technical help please call In-house team at CO: ITD 044-25269772. All Branches /
Zonal Offices / Departments of various Offices are advised totake note of the above changes and vouch accordingly
in CBS.

Circular No ADV-57/ 2020-21 dated 09.06.2020

Updation of Property Valuation Details in CBS

For advances secured by immovableproperties (Land/Building) as primary orcollateral, it is necessary to get it

valuedby an empanelled engineer of the Bankbefore granting of the advance. Landand building will be valued at
realizable value#, not older than three years. {# Inrespect of Home Loan Schemes (foracquisition/ construction of
houseproperty), Plot Loan Scheme, Marketvalue to be considered}.
It is necessary to maintain the required data in CBSand hence 5 additional fields were created in CBS, Navigation is
DL/TL“Security/Collateral “Create” as well as “Amend” fields under security type:22-Equitable mortgage”.

Sl. Particulars Guidelines for Updation

1 Date of Original Valuation Date to be entered as per the valuation report

2 OriginalValuation(Amt in Rs) Market Value of theProject/Flat/Dwelling Unit as per EVRreport.In

case of two valuations lower of the two to beConsidered

3 Date of LatestValuation Latest date of valuation as per valuation report

4 Latest Valuation Revised Market Value of the Project/Flat/Dwelling Unit asper

(Amt in Rs) latest EVR
In case of two valuations lower of the two to beConsidered.

5 Date of Expiry of Auto Fetched from CBS after updating/ amending thefields.
Valuation

Branches are advised to update the data in CBS covering all loan accounts falling under
• Corporate Credit,
• MSME,
• Rural Banking Department and
• Retail Assets
where, immovable property(ies) has/have been mortgaged to our bank asprimary/collateral.

Directions to Branches:
• Branch Managers are advised to take note of the new fields added in CBSand ensure updating of theabove
fields while opening new accounts.

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 • All existing Accounts wherever Mortgage of Immovable Properties (irrespective of Primary/Collateral) are
involved –the above fields are to beupdated before 30.06.2020.

Receipt of funds in routing BGL through

RTGS(GENL-09/2020-21) dated 11.06.2020

Our Bank has abolished Deposit Parking Account and introduced BGL Routing Account (98741) with effect from
10.02.2013.This routing Account was enabled to receive NEFT but not RTGS.

Due to this all the funds remitted through RTGS to routing accounts got rejected at CBS .CO RTGS Cell manually
accepts such high value remittances and advises Mumbai Fort Branch to credit the amount to respective branch
through C2C.In Cases like Holiday at Mumbai Fort Branch or delayed receiving of remittances at Mumbai Fort
Branch Proceeds of such remittances could not be credited to respective branches on the same day resulting in
customer complaints and demand for interest on delayed credit.

After enable of receipt of Funds through RTGS in the routing BGL, Branches can inform the routing BGL Number
to the prospective depositors and other Bank Currency Chest for transfer of Funds through RTGS.

.
Introduction of New
Interest Rate Module
(NIRM) in Core Banking
Solution (Bancs)

(ADV- 97 /2020-21 dated 05/08/2020)

Bank is in the process of migrating the application of interest rates for all borrowal accounts to New Interest Rate
Module (NIRM) in the Core Banking Solution (Bancs).
Internal rating is the base of risk assessment and appraisal based on which the credit and pricing decisions are taken by
the Bank.

Changes in CBS:

Finer Rate Adjustment

• Finer Rate Adjustment: The existing methods to provide rate increments in loan and CC/OD
accounts have been disabled.
• Expiry Rate CC/OD Limits: Branches will not be able to enter CC/OD limit expiry rate
whilecreating/amending CC/OD limits manually. The expiry rate of the sanctioned limitfor the newly
opened accounts will be auto populated by CBS and the same is tobe verified by the Branch after
creation of limits through overdraft enquiry.

• Credit Rating: Provision is made in CBS to get concessional ROI by assigningCredit rating at account level for

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 both new and existing loan and CC/ODaccounts. This is applicable only for accounts underproducts where
preferential rate of interest is applicable based on the rating of the account and mapped to the product
code in CBS.

• Interest Rate Enquiry Screens: New screens are available in CBS to display /verify the interest rate
components applicable as per accounts and products.

• Allowed Benchmark Rate (ABR): The workflow for selection of ABR for new loans and CC/OD
accounts and amendment of ABR in existing accounts hasalso been provided.

FUNDAMENTALS OF COMPUTER, CBS GENERAL

Terms you should know

• CD ROM- . Compact Disc –Read Only Memory. It is Secondary storage device

• Software - A set of programs associated with the operation of the computer. eg Microsoft Office

• Operating systems: The software that supports a computer’s basic function. Operating system allows users
to run other software’s in the computer. Eg :Windows XP, Windows 7, Windows 8.1,Linux, Windows 10

• URL- Uniform Resource Locator or simply the name of a website eg: www.indianbank.in

• A network of network is called as Internet or World Wide Web (www)

• Interconnection of computers within the same building is called Local Area Network (LAN)

• GUI is Graphical User Interface.

• Binary System is a numbering system with only 2 digits.The digits used in the binary system are 0 and 1.
1 Kilo Byte = 1024 Bytes

1 Mega Byte = 1024 Kilo Bytes

1 Giga Byte = 1024 Mega Bytes

1 Tera Byte = 1024 Giga Bytes

1 Peta Byte = 1024 Tera Byte

• MODEM is the abbreviation of Modulator – Demodulator (it modulates and demodulates data signals).
Modem connects the leased line/ telephone line to the PC for data flow.

• Router is a device which is used for routing data packets. It stores and forwards data packets between
LAN and WAN

• PING is an abbreviation for Packet Internet Groper, which indicates whether a particular device is

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 accessible, or not in a network. Used to check connectivity. Eg in Command prompt type ping
10.122.89.29 –t to check whether the computer with the IP address 10.122.89.29 is accessible from your
computer.

• IP Address :Every machine in the computer network has an address called IP (Internet Protocol) Address
which identifies the machine in the network and it has format like 10.29.20.113

• ISDN - Integrated Service Digital Network

• Gateways are devices which are used to interconnect two dissimilar networking computer systems

• VSAT- Very Small Aperture Terminal

• Ransomware is a malware which attacks the data of victim’s computer, locks by encryption and demands
money for decyption.

• Social Engineering: Refers to all illegal activities in Cyber world. eg: Skimming,
Phishing,Vishingetc

• ADEPT- Automated Data Extraction Project related to data cleaning. There are 2 types are error lists– one
Customers error list and another Accounts error list.

• Data Centre which hosts the critical servers holding our CBS Data are situated at CHENNAI

• Disaster Recovery (DR) Site is situated at Hyderabad

• The following are required to log into Core Banking Application - Both password and Biometric

• Antivirus Software to protect the computer systems in our bank –Symantec

• Phishing, Vishing,SMShing come under the type of attacks. (Social Engineering)

• Phishing mail is an attack that sends a fraudulent mail/ purported to be a from a trusted source and trick the
recipient to divulge his/her personal.
• SMShing is an attack that uses SMS (short messaging services) technology to phish for individuals' sensitive
personal information, such as Social Security numbers or user names and passwords for online banking.
• Vishing is making phone calls or leaving voice messages purporting to be from reputable companies in
order to induce individuals to reveal personal information, such as bank details andcredit card numbers.

• A type of malicious software designed to block access to a computer system until a sum of money is paid-
Ransomware

• A malware that uses intimidating and fear messages to frighten users into purchasing the product online-
Scareware

• A software that automatically displays or downloads advertising material such as banners or pop- ups when a
user is online-Adware.

• A software that is available for use at no monetary cost- Freeware

• Wannacry and Petya are types of Ransomwares

• The following are required to protect the computer systems from viruses and malwares-Updated Antivirus
software and Updated Operating Systems

• Windows, Unix, Linux and HP- UX are operating Systems

• The operating system used in the computer systems at our branches and administrative offices –

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 Windows

• Adobe, Free studio and Skype are types of free wares.

• A technique used by fraudsters to capture card details by planting a device in ATMs- Skimmimg.

• Social Engineering attacks like Phishing, Vishing, SMShing can be prevented only through Customer
Awareness

Introduction of Power BI Reports available at CBS HELPDESK for Branches and Zones

A dedicated on-premise Power BI server & other associated infrastructures have been procured &
configured, to facilitate access to Power BI Dashboard.

Power BI (Executive Dashboard) is a comprehensive dashboard which has been developed to provide an
at-a-glance visibility into Business Performance across all levels (Branch / ZO / FGMO / CO). The Power
BI Dashboard consists of numerous templates covering major parameters viz., Business Position, Trend,
Profitability, SMA/NPA Level, Digital Enrollment position, etc. developed, based on input / suggestions
received from respective user departments. In addition to this, various other templates are in pipeline and
shall be implemented in due course. The dashboard is now open for access by all field level functionaries
over Intranet as well as internet connection. Navigation for accessing the dashboard is as follows: CBS
Helpdesk ->MIS Corner-> Power BI URL: http://10.100.28.118/Reports/powerbi/Business

Monitoring the End Use of Agricultural Loans

In order to ensure monitoring of End Use of Funds (EUF) on loans sanctioned to Agriculture sector, a
field to capture end-use verification done by BM/ABM/Loan Officer/RDO has been created in CBS. All
the loans sanctioned under Agriculture sector from 15.07.2020 should carry EUF details in CBS.

Navigation for End-Use of Funds (EUF) verification is Common Processing>>CISLA>> CISLA

Additional Details>> Verification of End Use of Funds (EUF).
The officer who verifies the end-use of funds has to providethe following details:
• EUF Verified by – BM / ABM / Loan Officer / RDO (select from drop down menu)
• Date of verification of end-use of funds
• Details of end-use verification (Max. upto 50 characters – alphanumeric & symbols)
The effective monitoring of the end use of funds lent is of critical importance in safeguarding a bank’s
interest. Further, this would also act as a deterrent for borrowers to misuse the credit facilities sanctioned,
and in the process, help build a healthy credit culture in the Banking system.

Project Sangam - CBS Technical Merger

Key Changes for Customers:

• IFSC Code will be changed for e-ALB Branches
• Net Banking and Mobile Banking Application.
• Change in MICR/SWIFT for e-ALB Branches.

Platforms available for the Customers to raise queries/issues:

Customers can originate their issues through various channels, viz., Branch- Customer can reach out to
the Branch

Customer Grievance Redressal System (CGRS)- Portal is available to address the concerns/issues of the
customers.

Customer Portal in Website- Dedicated customer portal is available in our Website.

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Call Centre- Customers can reach out to Call Centre. Social Media and E-mails

Introduction of new menu in CBS – Waiver of Legal Action (WLA)

It is mandatory on branches to renew the cover documents within the prescribed time or else the
documents will get time barred.

To keep control over the limitation period of loan documents, a monthly report is being pushed to all
branches as “DPN_remaning_dpn25.txt - DPN remaining without renewal between 30 to 36 months from
the Dt. of Execution for the month ended AUH - 1A

As of now, those accounts in which Waiver of Legal Action has been permitted is also reflected in the
above report, which does not reflect the actual position of Time Barred DPNs (TBDPNs) in a branch.
To overcome this, a new menu has been introduced in CBS,

The navigation of which is as follows –

Overdue / NPA Waiver of Legal Action Overdue/NPA Common Processing

In the first Screen 3 fields viz. (1) Account No., (2) Function – Create / Amend / Enquire / Delete and
(3) System – Loan / Deposit, are provided. (Create-is for new entry, Amend-is to correct the entered
details,
Enquire-is to view the details updated, Delete is to remove the wrongly entered details and to amend the
correct data as and when required)
After filling the relevant details in the above fields and transmitting, the second screen will open.

In the second screen we have to select / fill

• Sanctioning authority of Waiver of Legal Action (AGM-ZM, DGM-ZM, GM-ZM,
ZLCC, FGM and Corporate Office) from the drop down boxes,
• Date of sanction and
• Sanction Reference No. (All the three fields are mandatory). After transmitting, a queue
will be generated, which is to be authorised.

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