Contents

Introduction
1. Login Page
2. Dashboard
3. Services
3.1 Bulk Upload
3.2 Bulk Upload Status
4. Cheques
4.1 Cheque Book Request
4.2 Cheque Book Request Status
4.3 Cheque Enquiry
4.4 Stop Cheque
4.5 Enable/Disable Positive Pay
4.6 Add Positive Pay
4.7 Modify Positive Pay
4.8 Delete Positive Pay
5. Pending Request
5.1 Authorize Transactions.
5.2 FD Request
5.3 FD Close Request
5.4 Payee Request
5.5 Positive Pay Request
6. Others
6.1 View Deposit Accounts
6.2 Transaction Reports
6.3 View Payee
6.4 View Closed FD
6.5 TDS
6.6 View Positive Pay

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 Introduction

Welcome to Corporate Internet Banking from Fincare Small Finance Bank. The user manual aims at providing
the reader an insight on how they can use the application seamlessly by understanding its salient features.

1. Login

Use the login credentials e-mailed to you during the user creation process (User Id and password). Choose
the mapped corporate from the dropdown. Enter the captcha and submit, an OTP will be sent to the
registered mobile number. Enter the OTP and you will be logged in to the application. If you are logging in
for the first time, you will be forced to change your password. You also have the option of using a virtual
keyboard. Should you forget your password, use the forget password link to recover it. The system works on
a maker, checker, authorizer concept. Your login credentials will allow you to login to the user type assigned
to you. Depending on the requirement raised at the time of user creation, a single user can be the maker,
checker and authorizer.

2. Dashboard

On login the user is presented with a dashboard where the last successful login information is displayed. The
dashboard’s main section contains five widgets: Balance Enquiry, Account Statement, Fixed Deposit, Funds
Transfer and Add Payee.

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The buttons on top of the page display pending requests which are pending for approval by the Checker or
Authorizer. By clicking, it navigates to the pending requests queue. The one who initiates the transaction is
the maker. The initiated transaction is moved into the Checker’s queue. The Checker has approval limits
assigned to him/her at the time of onboarding. If the transaction is within the checker’s approval limits, on
approval the transaction is executed. If the transaction value is above his/her limits, once he approves the
transaction, it moves to the authorizer’s pending queue. The checker on the other hand can reject the
transaction. The authorizer has the authority to approve or reject the transaction. The authorizer has no
limits. All the transactions follow the same flow.

The Dashboard has the following menus on the side panel (details explained in this manual): Cheques,
Pending Requests and Others.

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Balances and Clearing Status Account Statement Mini Statement

View balances and View account statement View mini statement for
clearing status using this for the corresponding the corresponding
widget. Actual balance is account number. account number. Mini
the balance amount in statement displays the
the account chosen in the last five transactions
drop-down menu.
Consolidated balance is
the total balance of all the
mapped accounts held by
the corporate in Fincare.

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Fund Transfer
Maker initiates Funds Transfer from the Funds Transfer menu. Specify type of transfer: Within Bank, Own
Accounts, IMPS, NEFT, RTGS. Select Account to transfer from and transfer to.

The image below shows the authorizer’s queue where he/she approves or rejects the maker’s request.

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Fixed Deposits
Open Fixed Deposits tab allows the user to create FD for the corresponding account with
different tenure options. The images below describe the flow of the same. One may also
view Statements for the FD Account by clicking the Account Statement link

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The image below shows the authorizer’s queue where he/she approves or reject the maker’s request.

Deposit pre-closure

Deposit pre-closure allows the user to close an existing FD account. The following screens describe the
procedure to close the same.

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The image below shows the authorizer’s queue where he/she approves or rejects the maker’s request.

Add payee

This allows user to add beneficiaries for payments either within the bank or outside the bank.

Also, the widget allows user to add additional details of the vendor such as vendor code, vendor address,
vendor state, GST and vendor email address. The following image shows the flow of the same:

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On clicking ‘NEXT’ it will re-direct for OTP authentication and once submitted it will got to checker/authorizer
approval.

The following image shows the authorizer’s queue where he/she approves or reject the maker’s request.

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 3. Bulk Upload Services

3.1 Bulk Upload

Here to Accounts (Salary, Vendor, Suppliers) are entered in bulk in the form of Excel file. The excel file will
have a list of account numbers to which transactions have to be made as well. Below are the steps for
doing Bulk upload.
a) Click on services from the left menu and go to Bulk Upload

b) Click on download sample and save the downloaded file and open the downloaded file with excel.

c) The downloaded excel file will have few sample records for your understanding on how to fill the
excel. Please delete those records and fill the excel as per your requirement.

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d) Few Tips to fill the Excel
i. Please provide only one debit account number throughout the excel. The debit account
should be the corporate account which is available in your Corporate net banking.
ii. Please fill all the mandatory star marked (*) fields properly.
iii. Please do not put 0 in the amount field.
iv. Please select the ‘Pay Mode’ as I, N, R, FO or IN for transferring funds where each pay mode
stands for
• I  IMPS
• N NEFT
• R  RTGS
• FO  OWN ACCOUNTS
• IN  WITHIN FINCARE
v. 5. Please make sure the total amount in the excel file should not exceed the available balance
of the account and should not exceed the per day fund transfer limit for the account.
vi. 6. The amount in the excel file should not be greater than 2Lac for IMPS and less than 2Lac
for RTGS.

e) Click on browse and select the excel file which you have filled and need to upload as bulk file.

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f) After selecting the file, it will start uploading.

g) After successful upload it will give an info on the transfer limit. Click on OK to proceed. If the bulk file
excel is not in accordance with the tips provided for upload, then while uploading it will throw error.

h) After clicking on OK, all the records of bulk upload will appear as individual record. One page contains
only 5 records. You may increase the number of record per page by selecting the dropdown of the
option ‘Items per page’.

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i) Select the records by clicking on the checkbox against each record. For selecting all the records
together in a single page, please click on the topmost checkbox and click on submit to proceed. Once
submitted these records will reach the checker for approval. Transactions higher than the Checker’s
limit will move to Authorizer’s queue and the Authorizer will have to approve it.

j) To approve the bulk file records, checker/authorizer has to click on the ‘Pending Requests’ menu
from left side and go to Authorize Transaction.

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k) Select ‘Transfer Method’ as Bulk Transfer to view the bulk file records pending for authorization.

l) Select the records for Bulk transfer and click on approve. Once approved the transaction will be
processed and the status of the transaction will be visible in Bulk file status under services in the left
side menu.

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3.1 Bulk Upload Status
Bulk upload status screen shows status of the files uploaded. In which each File name is clickable and displays
the status of the upload with file name, upload date, status and option to download files.

After submitting the Bulk file, to check the bulk file upload status click on Bulk upload status under services
from the left side menu. If the status shows pending with checker, then kindly get the bulk file records
approve by checker.

4. Cheques

Cheques tab has Cheque book request, Cheque book request status, Stop cheque, Cheque inquiry and
Positive Pay.

4.1 Cheque Book Request

Cheque book request tab is for requesting a new cheque book. -.

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4.2 Cheque Book Request Status

Cheque book request status displays a screen which contains status of all the cheques requested so far
with account, request date, request type, status and the reject reason.

4.3 Cheque inquiry

Cheque enquiry is to inquire about the status of cheques that are issued or stopped for the corresponding
account number. It can be selected from the dropdown menu.

4.4 Stop Cheque

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Request or stop the payment of a cheque that is not yet being processed for clearing. The Stop cheque tab
gives access to the customer to enter their account number and cheque number and track the request. Stop
cheque tab doesn’t have a maker checker process flow.
Reframe as:

4.5 Enable\Disable Positive pay

On Clicking the enable\disable positive pay user will be allowed to enable and disable the positive pay for
the selected account number from the drop-down. The below image will describe the flow of the same

The user can enable and disable the positive pay by moving the radio button.

4.5 Add Positive Pay

For users who have issued cheque with amount greater than Rs. 500000 needs to provide the details in
the positive pay. Also, user need to provide information like account number, from which he/she has
issued cheque and cheque details.

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 The below image describes the flow:

On clicking next the request will go to checker/authorizer for approval. In the pending request tab a sub menu will
appear as ‘Positive Pay Request’. Checker/authorizer has to select the same and check the required records and click
on approve. On successful capture of details, success message to be displayed to user as “Your cheque details are
submitted successfully”. The below image will describe the flow:

4.6 View Positive Pay

On clicking the ‘Others’ tab from the menu there is a sub menu called ‘View Positive Pay’ from which all
the positive pay request will be shown based on the account number selected from the drop-down. The
below image describes the flow of the same.

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On clicking to the cheque number, customer will be re-directed to the below page where he/she can
modify/delete the desired positive pay request.

4.7 Modify Positive Pay

On clicking the modify button, user can modify the positive pay details such as Cheque Number, Cheque
amount, Payee Name and Cheque Date and submit the record for checker/authorizer approval. The below
image show the flow for the same.

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Once clicking submit, it will send for checker/authorizer approval in the ‘Pending Request’ tab.

4.8 Delete Positive Pay

On clicking delete, the record will get deleted after approval from Checker/authoriser. The below image describes the
flow for the same.

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 5. Pending Request

5.1 Authorize Transaction

Authorize transaction shows all the pending requests with drop down options to filter transfer type and one
transaction or multiple transactions at a time for authorization. It also has options to approve or reject the
transaction. Once the maker initiates transaction, the authorizer is required to approve or reject the
transaction by end of0020day, failing which the transaction will expire.

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 5.2 FD Close Request

In FD Close request tab, all the requests related to closure of deposit/s are displayed for authorization, which
can be approved or rejected using the action buttons “approve” “reject”.

5.3 Payee Request

Payee request screen includes all the add, modify and delete payee requests.

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5.4Positive Pay Request

It allows user’s to approve/reject all the positive pay requests ie; add, modify and delete from maker and
will get approved or rejected by checker/authorizer.

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 6. Others

6.1 View Deposit Account

View deposit account allows user to view the entire deposits details of the Corporate.

6.2 Transaction Report

User can view the reports of transactions done from the corresponding account number from the dropdown
menu.

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 6.3 View Payee

Allows user to view the beneficiaries added within and outside bank and it also allows user’s to edit the same
on clicking the edit button on the right most side of the page. The following image shows the flow:

6.4 View Closed FD

User can view the list of closed FDs with respective tenure and amounts.

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 6.5 TDS

User’s can view and download there TDS certificated from the desired financial year from the drop-down.

1. 6.6 View Positive Pay

All the positive pay request will be shown here based on the account number selected from the drop-down.

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