FREQUENTLY ASKED QUESTIONS – CUSTOMER CREATION

SL NO QUERY REPLY/SUGGESTIONS
1. Unable to open the account Enter Date of Incorporation in CUMM-G details
– Msg. Enter date of
incorporation.
2. Unable to open Customer- Specify Customer Type, as it is mandatory an
ID in CUMM proceed.
3. To know a/c no for a Invoke ACM menu option.
particular cust-id.
4. To know all accounts of the Use CUMM option and enter option ‘A’ for custom
customer Inquire it.
5. A/c opened with wrong Open a new cust-id in the correct name and u
name, want to rectify menu to change cust-id for the a/c.
name.

FREQUENTLY ASKED QUESTIONS – ACCOUNT OPENING

SL QUERY REPLY/SUGGESTIONS
NO
1. Account to be un-frozen Use AFSM option and verify
2. Give nomination facility in an First visit scheme details and then make nom
a/c availability ‘Y’ in OAAC menu.
3. Collect charges for an a/c. Use CACC menu to collect charges.
4. Unable to close an SB a/c – Modify or cancel the modification done in IMGMN
error authorization pending.
5. Mark stop payment for an a/c. Use SPP menu option.
6. To change the account opening Close the a/c and open a new one.
amount.
7. Unable to close an a/c – error System generated interest transaction is not pos
Financial transaction
verification pending.
8. Take reports of all closed a/cs. Use ACLPOA menu and mention the field as ‘C’
9. Change expiry date for sanction Change expiry date in ACLHM menu option.
limit of an a/c.
10. To freeze an a/c. Invoke AFSM menu option.
11. Unable to close an a/c - was Check in AFI for any pending verification for the a
getting an error verification
pending.
12. Unable to credit an SB a/c Modify in ACM '0' details cash limit credit as max
error, Credit cash limit limit and then to verify the same
exceeds.
13. Wanted to debit an a/c but lien First unfreeze the a/c, and then to debit the a/c.
was marked on it.
14. Wanted to add joint holder a/c Add the joint holder in 'A' related party details an
for an SB a/c. verify the same in ACM
15. How to issue balance Use CUSTBALP menu.
confirmation certificates.
16. While opening a CC while Modify in CUMM menu by giving the minor flag as
giving the introducer's a/c no. verify the same.
getting message that it is a
minor a/c
17. Want to unfreeze a a/c Use AFSM menu option to unfreeze.
18. To open an NRE SB a/c Open NRE SB a/c in OAAC and check in CUMM fo
non-resident flag as 'Y'
19. Want to change SB a/c to V Use TACBSH menu & change the code for v plus
plus a/c GL -32310 & sch code SB150.
20. To take print of Vouchers. Take print using VCHR Menu option.

FREQUENTLY ASKED QUESTIONS – ACCOUNT OPERATIONS

SL NO QUERY REPLY/SUGGESTIONS
1. Generate Interest report Use AINTRPT menu
2. Ledger print for individual ACLpca menu
accounts
3. Cancel ulien in an account ALM option
4. Not able to post a debit Use UCS and update the cheque as unused and th
transaction – error the transaction.
instrument already passed.
5. Change drawing power in Modify the a/c in ACLHM menu and menti
for a CCM a/c operation as ‘D’ and modify the drawing power li
applicable date.
6. Unable to renew a/c, error Check in AFI menu for any un-verified records &
- verification pending. the same.

FREQUENTLY ASKED QUESTIONS – TRANSACTION MAINTENANCE

SL NO QUERY REPLY/SUGGESTIONS
1. User not able to post Give Additional details and then post.
transaction
2. Unable to post a Specify partition account in option G and give d
transaction a/c-id in NTTID in TM menu.
3. To delete a verified Should not be done. Reverse the entry in TM by
transaction. visit screen ‘X’ and by selecting the pr
transaction.
4. Unable to post trans – error Modify debit clearing limit in ACM menu.
debit clearing limit exceeds.
5. Unable to post an intersol A free user cannot give TOD for an a/c of diff SOL.
tran in that SOL and give TOD
6. Want to give credit to Use TM menu option.
branch adjustment A/c.
7. To delete a part tran & First create another part tran & delete the part tra
want to enter another part which has to be deleted.
tran.
8. Unable to post NRE Give report code as LW for debit leg.
transaction, was getting
enter report code.

FREQUENTLY ASKED QUESTIONS – CASH TRANSACTION

SL NO QUERY
1 To take report scroll of
teller cash.
2 To know total receipts and
payment
3 To delete a cash tran
which has been wrongly
posted
4 To delete the record from
Teller cash a/c.
REPLY/SUGGESTIONS
Use SCWRPT menu option.
Use SCWRPT and give staff code. Use option
see/print the report.
Verified records cannot be deleted. Manually rever
tran.
Delete the record in GECM menu.

FREQUENTLY ASKED QUESTIONS – CHEQUE BOOK MAINTENANCE

SL NO QUERY REPLY/SUGGESTIONS
1. To mark a cheque as Use UCS menu and mark the cheque as unused.
unused.
 2. To destroy inventories for Cancel the cheque issued using CHBM menu.
cheque not verified.
3. Issued a cheque to the In CHBM menu give function as ‘D’ and destro
wrong account. cheque issued to the a/c.

FREQUENTLY ASKED QUESTIONS – INVENTORY MAINTENANCE

SL NO QUERY REPLY/SUGGESTIONS
1. To see inventories against a Use ISIA
staff name
2. Change authorizer user0id Modify in IMAUM. For canceling use IMC – function
for IMC movement and
coancelling the inventory
movement previously done
3. Move inventories from Move DDs from external to safe/double lock and t
External location to DD DD common location.
common location
4. Not able to verify inventory Verify in IMC menu option by giving the passw
movement. authorized user-id.
5. Modify authorizer-id for Modify using IMAUM menu.
inventory movement
FREQUENTLY ASKED QUESTIONS – STANDING INSTRUCTION

SL NO QUERY
1. Verify Standing Instruction.
2. SI had not executed from a
particular date
3. Standing Instruction report
generated for the day
FREQUENTLY ASKED QUESTIONS –
REPLY/SUGGESTIONS
Use SIM menu option.
Additional details had not been mentioned in SIM
Use SIETR menu option.
TERM DEPOSITS

SL NO QUERY REPLY/SUGGESTIONS
1. System shows less maturity Change regenerate flow flag as ‘Y and the
value REGFLOW.
2. To close TD and pay DD Close account normally, in repayment a/c spec
a/c. While posting this transaction enter add
details.
3. To renew an a/c Use TDREN menu option
4. Not able to renew – Error Run ACINT and TDSCALC and then renew.
Run
5. Mark lien on deposit a/c ALM menu
6. Unable to renew FD – error Run ACINT and then TDREN.
SL NO QUERY REPLY/SUGGESTIONS
run ACINT
7. To renew a VCC only for a Modify in ACM and specify the repayment a
fixed amount, remaining operative and then renew the a/c by giving re
amount to be transferred to option as fixed. To be verified.
operative a/c
8. Generate report for matured Use GEDT menu option.
deposits.
9. Generate rate-wise report of Use AINTRPT menu option.
MI a/cs
10. Interest not credited for a Run TDSCALC and credit interest in the a/c. D
month in a FD a/c. and credit to operative a/c.
11. Open a VSU with Modify the a/c in INTTM and mention the prefe
preferential interest. rate in the a/c and give start date.

12. System did not auto-renew The auto-closure field would be blank, and so s
an a/c. does not renew. Give ‘N’ in auto closure, if s
should auto-renew the a/c.
13. Unable to post refund TDS Delete the transaction since cash reversal cann
cash transaction. done. Open an operative a/c for the customer a
RFTDS transfer of amount.
14. To generate TDS certificate Use TDSIP menu option
15. To take TDS summary Use TDSIP menu option and end enter option 5 fo
summary.
16. To know if interest has been Use PHINQ option.
paid in a deposit a/c
17. Open an RD a/c in transfer- Use OAAC menu and in 2nd screen ‘T’ for trans
in mode. a/c. To be verified in OAACAU.
18. Open an FD a/c with interest Give SB a/c in customer details in ACM menu.
going to SB A/c
19. Closed an A/c but not Maybe closure transaction is not posted.
credited to IPD a/c.
20. Unable to close deposit a/c – In ACM general a/cs details, change download t
error download to PDF to be changed to ‘N’. Then go for closure in
exists. menu option.
21. To take deposit receipt print. Use DRP menu option.
22. Accounts not allowing to be Run ACINT by giving Adhoc run as ‘N’ and then
closed – error interest not closure.
calculated upto date.
23. For a particular a/c TDS has Run CAAC & then go for TDS calculated amount.
not been deducted for the
a/c.
SL NO QUERY REPLY/SUGGESTIONS
24. Unable to close a deposit Mention value date as that of maturity date.
a/c, Tid record not found for
the a/c.
25 To take Report of List of Use ACDET Menu option.
Deposit A/c
26 Unable to get deposit receipt Reprint the receipt using REDRP menu.
print for a/c
27 Unable to close a VSU a/c , Verify the modifications done in INTTM menu opt
getting message that a/c and then go for the closure.
balance is not equal to
repayment amt
28 Int is calculated less for an Check out in the legacy s/w (Virmati or CMS s/w)
a/c . Maybe int is calculated in excess there. So it has
calculated less in the new system.
29 To transfer an FD a/c. Use CAAC menu & mention 'T' for transfer of a/c.
30 Unable to credit an RD a/c - Check for the RD a/c flows, if the flow is complete
error cumulative principal then system will not allow to credit.
amt exceeds.
31 Auto renew the a/c. Modify the a/c in ACM, give auto renew flag as 'U
auto closure as 'N' & verify the same.
32 To make PARTIAL payment Use CAAC menu, give the a/c id, in 2nd field you
of VSU SCHEME. find the whole amount, there you need to change
amount to withdrawal amount & commit. A/c will
continue with the rest of the amount.
33 To Modify int rate for an a/c Modify the int rate using INTTM Menu option.
34 User wanted to Refund TDS Refund using RFTDS Menu option.
for a customer
35 User wanted to open a Open a FD205 a/c.
quarterly int FD a/c
36 User wanted to open an FD Asked the user to use FD202.
a/c for 7 days for more than
Rs50,000/-
37 User wanted to know the Asked the user to use DRP menu.
menu to print deposit
receipt.

FREQUENTLY ASKED QUESTIONS – OUTWARD CLEARING

SL NO QUERY REPLY/SUGGESTIONS
1 To inquire about an Use OIW menu option.
outward instrument.
 2 To create outward clearing Suspend zone in MCLZOH. Use menu PCLSO and
floppy zone date and code. File is generated as *.DM
Rename this file as ddmmyy.vjb Through PTW cop
file (ctrl + c) and paste (Ctrl + v) in a:\
3 User had not verified one Check the unverified instrument using IOCLS men
instrument, but had Revoke the suspended zone, verify the instrument
suspended the zone. OCTM menu and then suspend the zone.
4 Wrongly entered home Use TROFSETS to transfer the instrument to home
clearing zone in MICR zone clearing zone, and then delete the instrument in o
& verified the same. zone.
5 Want to generate return Use REJREP menu.
clearing memo.
6 Want to take print of Take report using PWO Menu option.
outward home clearing.
7 User wanted to know Check the zone in MCLZOH.
whether they have verified
all the outward clearing
cheques.

FREQUENTLY ASKED QUESTIONS – INWARD CLEARING

SL NO QUERY REPLY/SUGGESTIONS
1. User has lodged instrument Modify account no. in ICTM menu option.
to DD account instead of
Customer a/c in Inward
Clearing Zone
2. Instrument entered Delete the instrument in ICTM menu and enter de
wrongly in MICR1 instead RETCLG menu.
of RETCLG zone.
3. If wrong a/c number is Revoke suspension of zone, then modify a/c no in
given for inward clearing menu.
instrument.
4. Unable to post Return Revoke the suspension using MICZ menu. Modi
Clearing Zone – error BAR and mention total no of BAR instrument and amou
no and amount not
entered.
5. Return an instrument in Use ICTM menu option.
Inward Clearing Zone

6. To view signatures for IN ICTM, press F9 for viewing uploaded signatures

inward clearing
instruments.
 7. User wanted to delete an
Instrument in Inward
clearing.
8. User wanted to take inward
clearing report.
9. User wanted to generate
return clearing print.
10. User was not able to post a
tran related to inward
clearing.
11. To post inward clearing
zone.
12. To take the return clearing
schedule report
13. To delete an instrument in
inward clearing, that has
been entered twice in Home
Clearing zone.
14. To modify the cheque
amount in the outward
clearing
15. To know the chq details
that had gone for clearing.
16. To give TOD for an inward
return clearing chq.
17. To enter returned cheque
for a Loan A/c.
Delete the instrument using ICTM Menu option.
Use PICW to take the report.
Use PICS menu
Maybe the user had given wrong instrument numb
which was already passed. If so, update instrume
status using UCS & post the transaction.
Post the zone using MICZ Menu option.
Use REJREP menu option.
Delete the instrument using ICTM Menu option.
Open one more zone & transfer to this zone invok
TROFSETS menu option & then modify in OCTM m
option.
Check in IOCLS menu by giving chq particulars &
to know which a/c has been debited.
Give TOD for the clearing chq using ICTM menu.
Enter the instrument in RETCLG zone & give the
additional details at the time of posting the transa

FREQUENTLY ASKED QUESTIONS – TERM LOANS

SL NO QUERY REPLY/SUGGESTIONS
1. To delink the operative a/c Modify in ACM. In scheme detail add an operativ
for loan recovery remove old operative. Needs verification.
2. Report on limit for the loan Using LLIR.
3. To take bifurcation of loan Check in PSP and AINTRPT
a/c
4. How to know interest for a Check for the transaction by generating report i
loan a/c menu.
5. Report of loan a/c with Use LAPSP menu
principal and interest
 details
6. Difference in a/c available Maybe because of lien which can be seen in ACM m
balance and balance.
7. System has calculated Sanction limit may not have been given in A
interest at 18% instead of menu.
rate mentioned in a/c
details.
8. Tried to close a loan a/c but Verify in ACM and then close a/c
error – cannot close
modification pending.
9. To take interest certificate Use INTCERT menu option.
for a loan a/c.
10. Generate loan a/c due Use LAODR menu option.
notice
11. To remove operative linked Modify in ACM and in scheme details, operative
to a loan a/c for recovery. be made ‘N’ and repayment method-‘C’. Operati
to be removed in scheme details.
12. Modify lien for a loan a/c. Use ALM menu option.
13. To see rate of interest of a Use ACM general account details.
loan a/c.
14. Unable to close a CCH a/c – Verify in INTTM and then close the a/c.
error audit record not
found.
15. To take report of List of Take report using LLIR Menu option.
A/c’s & their Limits & Limit
Expiry dates.
16. To change the rate of int of Use INTTM menu option and verify the same.
back dated opened a/c
17. User is unable to cancel Cancel the lien in ALM & mention module type as L
loan lien for a/c
18. To know the LMV a/c EMI Use LAMOD menu and check for EMI
and rate of interest.
19. To take interest debited Take the report in LAOPI menu option.
from loan accounts report
20. User wanted the charges to Give the flowID field other charges on demand in T
be debited from the loan menu option.
a/c
21. To reverse an entry for a Give flow-id as NOCOL in loan a/c and then post th
loan a/c. transaction.
22. To generate loans overdue Use LAOPI menu.
report.
23. To know the limit registry Use LLIR menu
menu for loan.
24. To take the report
containing all the loan a/c
above 10 lakhs
25. User wanted to give the
installment date for an LMV
a/c date as 1 of next
month.
26. User had credited all the
cash receipt to one loan a/c
instead of many a/c.
27. User wanted to change
fixed rate of interest to
floating rate for a loan A/c
28. To know installment for a
loan Amount for a specific
period.
29. User wanted to know Month
wise loan disbursement
menu.
30. User wanted to open a
Housing loan with the
floating interest rate.
31. Menu for limit liability
report for loan a/c.
32. To take loan a/c pass sheet
print
33. Report of Loan A/c with
Details of sanction limit &
A/c balance as on date.
34. User had not mention
operative a/c for an Loan
a/c.
35. To take report of Loan A/c's
36. To generate Loans Liability
Report.
37. To know the general details
of loan a/c
38. Unable to verify TACBSH
a/c changed from Housing
loan to ML a/c.
39. User wanted to take a
report for expired loan
Take the report in LAGI menu option.
The flows will be specified as per the scheme code
if it is staff loan a/c next installment will be at the
of the month and for public it will from one month
the date of disbursement, i.e. next installment wo
on the same date.
Manually reverse the transaction & give credit to
individual loan a/c.
Change it in INTTM by giving HLFLA4 for floating r
and the same to be verified.
Invoke LAMOD option.
Use menu VIJRPT & select from the list of reports
monthly disbursement.
Change the interest table as HLFL4 and then to ve
the same.
Use LLIR menu to take the report.
Use LAPSP menu option.
Use LLIR Menu option.
Modify the a/c in ACM menu & mention the operat
a/c id.
Take report using ACSP menu option.
Use menu LLIR.
Invoke LAGI menu.
TACBSH cannot be done for loan a/c. Hence, close
a/c & open a new a/c.
Use menu LLIR.
 a/c's.
40. To take loan a/c master Use LAMP menu.
print.
41. User wanted to take report Take report using PLIST Menu option.
of pending installment for a
Loan A/c.

OPENING OF ACCOUNTS

S.NO QUERY SOLUTION

1 What is the option required to To know the information regarding a loan accou
know the information respect of OD/CC accounts use the option – CCO
regarding a loan account? and in respect of Term Loans –LLIR.

2 In case of Housing Loan Verify the flow ID. It might have given as c
account where one year demand instead of DISBT.
repayment holiday is given,
the system debited full
amount available in SB
account before one year.

3 In some cases it is observed Past dues are not reflected in the overdue p
that the system calculated shown by ACM and LAOPI menus.
demand only from the date of
Migration. Why?

4 User unable to open a staff Under CUMM menu, modify in customer ID.The
loan account by giving a pertaining to customer employee may be wrongly
message-a non employee can as “N” instead of “Y”. It has to be changed to “Y”
not open. Why? verify the same.
5 User wanted to open a term Before opening of a term loan, the customer ID
loan account transferred from staff / borrower must be created through menu
another branch. How? HCUMM/CUMM. In case, the customer ID is a
created the same may be used for opening the ac
The account is to be opened through menu
OAAC/HOAACLA. The appropriate scheme code m
assigned while opening the account.

6 User unable to open the LMV Check the flow amount given in the repayment de
account by giving the
message-Principal amount is
not equal to installments.
Why?

7 User not able to open a CC Open the account by OACC menu by specifyin
(M) account by giving the scheme details correctly.
message-Sanction limit
exceeds the maximum
allowed limit. Why?

8 User wanted to open a User has to open the account under OACC menu
housing loan with floating and give the interest table as HLFL5.(Current vers
rate of interest. How?

9 User is unable to open a MV Specify in ACM menu-E option, repayment

841 scheme by giving the correctly while opening the account.
message-Total of principal
amount should be less than
or equal to sanctioned limit.
Why?

10 User opened LTD account, User to mention the drawing power and sanctione
but while putting the for the account by invoking ACLHM/HACLNM menu
transaction message appears
that debit limit exceeds.
Why?
 11 User unable to enter E details User mentioned less sanctioned limit. First it sho
for a festival loan, by giving corrected and then enter E details.
the message-Total principal
amount should be less than
sanctioned limit. Why?

12 For a LTD account, while User to give the drawing power for the LTD accou
posting transaction, message then post the transaction in TM menu option.
appears as Scheme update
failed, no sufficient balance.
Why?

13 User unable to verify LTD Verify the account by using OAACAU by visiting re
account, by giving the fields.
message- Limit details should
be visited. Why?

14 User unable to open a LTD User to enter the document maintenance field by
account, message appears OAAC menu option.
that document maintenance
not entered. Why?

15 User wanted to give joint User has to give the mode of operation as Jo
holder name for an account. scheme details in ACM menu and also give
How? related party (A) details.

CLOSING OF ACCOUNTS

S.NO QUERY SOLUTION

1 How to take list of closed loan List of closed loan accounts can be obtained by inv
accounts? menu option ACS by specifying scheme code and c
date-low & close date-high.
2 Branch is unable to close
Loan account for the reason
“up to date interest has not
been calculated” even though
up to date interest is
calculated. Why?
3 User unable to close the
account by giving the
message-“Authorization is
pending”.
4 User is unable to close the
account by giving the
message-“Balance is not
equal to repayment account”.
5 User wanted to close the loan
account and wanted to collect
charges by cash.
6 User unable to close the
account by giving the
message-“Ensure shadow
Balance zero”.
7 User is unable to close the
LTD account by giving the
message –“Interest rate table
Please cancel the close option through CAACAU me
option and restart the closing process through CAA
menu option by selecting sub option C for interest
calculation. All closing activities should be done
through CAAC option including calculation of intere
and posting. Authorize the closing through CAACA
menu option.
Certain modifications done might not have been
verified. Verify the modification done in ALM/ACM
option, and then close the account by using CAAC
option.
This problem should be rectified at backend hence
should be referred to helpdesk/DIT.
Collect charges manually in TM menu option and c
the account by using CAAC option.
User has to ensure that once shadow balance shou
cleared then run ACINT and then close the accoun
using CAAC menu option. (Shadow balance is show
respect of Clearing credits)
User might not have specified the interest rate tab
(ZERO2 table is to be attached and account level d
preference rate is to be entered). User to modify i
 not available”. INTTM menu and then give preferential interest de
the applicable rate and the same is to be verified a
close the account.

8 User has closed the loan User has to open new loan account with backdated
account inadvertently. How to
rectify it?

9 User was not able to close a User to modify the TDS slab as zero and the same
loan account by giving the be verified and close the account.
message-“TDS record exists”.

10 User closed the account User has to cancel the closure by using CAACAU m
yesterday but not verified. option and close the account again and verify the
Today the system is not
allowing to verify the account.

11 User unable to close the This problem is to be rectified at backend hence it

account as SRM lien exists should be referred to helpdesk/DIT.

12 How to close a LTD account? A LTD account can be closed by using CAAC menu
option.

13 User unable to close loan User to delete the operative account in ACM menu
account by giving the, sub option) and delete the account in S details in
message-“Linked to operative second screen.
account”.

14 User unable to close OD Modify in ACM general details download to Pbf file
account by giving the be made “N” and verify the same and close the ac
message-“Downloading to
 Pbf”.

15 How to know/verify that a Enquire through ACM scheme details second scree
particular account is closed or go to ACLI.
not?

INTEREST RELATED

S.NO QUERY SOLUTION

1 For any account checking of Checking of interest can be done by taking “p

interest to be done through report” through AINTRPT menu option.
which menu?

2 System is debiting interest on Interest demand has been given as D=Daily. The
daily basis to an account - the system will debit interest on daily intervals. C
Why? these parameters from daily (D) to monthl
through ACM menu E sub option and get it verif
another user.

3 Interest application in respect Generate interest report through menu option AI

of CCH/CCM is not in order, for the account and see the reason fo
how to check? debiting/short debiting of interest to the accounts

4 In some loan accounts interest Verify interest demand date in ACM E option an
is not being charged monthly. see the report through AINTRPT menu fo
Why? correctness.
5 Branch is unable to generate Verify through the statement of account (ACLI) w
the interest details report the system has debited interest to the account.
through menu option applied, verify the reasons for non applicati
AINTRPT- Why? interest such as interest demand date in ACM E O
And how to apply interest? interest table code and interest rate through A
Option etc. Reasons for failure can be viewed th
the trail run of interest application through “LADG
“ACINT”. (While running LADGEN/ACINT syste
default populates “C” this is to be changed to “D)

6 It is observed that system is The field pertaining to “repayment method” migh

collecting loan installments
from relative SB/CA on the
monthly due dates even if
there is no sufficient balance
in the said SB/CA - Why?
been fed as “T” (Recover shortfall amount by gr
TOD) in scheme details in ACM S Option. To avo
debit balance, the said field should be changed
(Recover from operative account).

7 Some times, the interest
debited for the first time after
transfer of the Staff Housing
Loan / Staff LMV accounts will
be more than interest
receivable amount – Why?
While opening the account in transfer mode, the b
has entered the entire “interest receivable amou
the field pertaining to “Transfer in interest amoun
details.

8 For CCH / CCM / Non EI loans For all these loan accounts, interest will be debi
(PRDEM) / Staff loans, when the end of every month.
the interest will be debited?

9 For EI loans when the interest For EI loans (except Staff Loans) interest w
will be debited? debited on flow date i.e., installment date on the
frequency. If the flow date is given as future da
(holiday period)then one month from the accoun
date is to be entered.
10 How to obtain scheme-wise Generate report through menu option “AINTRP
product report of interest specifying details like “from scheme code” an
application for individual loan scheme code” numbers along with other re
accounts? parameters.

11 What are the interest tables to In Staff Housing loans accounts having slab ra
be fed in case of Staff housing interests, select “interest table” as “HLSFO” fo
loans and Staff L.M.V accounts carrying interest @5% up to 1.10 lakhs
accounts? up to 5.00 and @12% for the balance amount.
“HLSTF” interest table is to be attached fo
accounts carrying interest @5% up to 1.10 lakhs
up to 5.00 and @11% for balance amount.
In case of Staff LMV accounts interest table sho
fed as “LMOCR” for Car loan for officers.
“LMTWO” for Two wheeler loan for both officer
award staff.
“LMCCR” for car loan to clerical staff which a
compound interest which is to be opened in M
scheme..

12 What is the procedure for To modify interest rate / attach the interest tabl
changing interest rate / has to invoke menu option “INTTM” and sub
attaching interest table? modify and along with the effective date for back
change and get it verified by another user.

13 Penal interest is being applied Verify overdue position through menu option “L
to some loan accounts – Why? If wrongly uploaded, rephase through “ACM E” o
Verify DP through “ACM H Option”. If not fed , m
DP by invoking menu option “ACLHM/HACLHM”.
14 In Vijaya Home Loan accounts The following procedure is to be followed:
what is the procedure to be 1) Invoke menu option INTTM
followed to change rate of 2) Go for modify M option
interest from fixed to floating 3) Enter account number
rate of interest? 4) Change the interest rate table from HLF
HLFLA(select latest version)
5) Account pegged by default is “Y” to be ch
to “N”.
Change appropriate date to give effect for the c
of interest.

15 Unable to authorize the While closing the loan account, CAAC menu optio
closure of loan account with a be used. After interest calculation, posting has
message that interest has not done in the same menu option by using sub opti
been applied even though the without coming out of CAAC menu option.
interest has been applied -
Why?

16 What are the menu options to In case of SJSRY- use SJSY1 table.
be used in case of Govt In case of PMRY – PMRYS table.(Up to Rs.75
sponsored loans where interest for remaining amount @11%. For other a
different slabs of interest rates of subsidy Branch has to contact DIT)
are applicable?

17 System is charging interest @ Verify “interest table” and interest rate f

double the rate of interest
applicable to the account –
Why?
“Customer preference debit” / “Account prefe
debit” in ACM O option.
Applicable interest rate is to be fed in “A
preference debit” field, only when the “interest
selected is “ZEROP” / ZERO2”. In all other “in
tables”, the table itself contains some interes
which can be viewed through “LVSI” / “IVSI”.

18 How to know interest rate for Check ACM menu in general “O” details in the s
an account? screen or it can be viewed through “LVSI” / “IV
through product report “AINTRPT”.
19 How to know the interest rate Interest rates slabs can be viewed by enquiring th
slabs for loan accounts? IVSM/LVSI menu option.

20 How to give “account Modify the interest rate in “account preferential

preferential debit” for an through “INTTM” menu by selecting “ZEROP” tab
account? term loans and “ZERO2” table for Working C
loans.

21 Interest was credited to some Interest rate / interest table / limit might have
loan accounts instead of modified with back dated effect.
debiting – Why? Check through “AINTRPT” report for reasons.

22 How to change interest rate Modify “Interest table” from “HLFIX” to “HL
from fixed to floating rate and HLFL4 / HLFL5” (According to date of sanction of
vice versa? and vice versa.

23 How to know how much It can be viewed through ACLI menu optio
interest debited to the loan Generate report through “AUDITRPT” (Press F2 f
account? of reports, use arrow keys for navigation and
report “Loan interest details” which will provide in
debited to loan accounts from the beginning
date).

24 For a loan account interest is
to be collected after the
holiday period along with the
installments - How?
In the case of accounts having holiday period (fo
principal and interest) ensure to feed the flow
(installment date) in “interest demand effective da
In Scheme details (ACM “S” option). The syste
demand entire interest debited to the account o
date. Rephase the account before that date th
ACM “E” Option.
25 How to know where the Preferential interest can be viewed through “I
preferential interest is menu option or “ACM 0 option”.
mentioned?

26 What is meant by interest Accrual is the process of incrementally calculatin

accrual? interest for all the accounts/ bills at periodical inte
The interest so calculated is called Accrued in
which can be viewed through menu ACM “?” Optio

27 Where user can find interest A user can find information on accrued interest i
booked for a loan account? menu “?” option.

28 What is meant by interest rate Account pegged means “interest rate is fixed”.
pegged? If an account is having fixed rate of interest the
field pertaining to “Account Pegged” in General D
should be fed as “Y”. For floating rate the field
be fed as “N”.

29 For a loan product where The minimum and maximum interest rates are sp
minimum and maximum in the interest scheme details of GSPM to kee
interest rate will be specified rates within the limits. These values are popula
and why? the time of account opening and the user has a
of overriding these.

30 Explain the concept of interest In the case of EI loans for the purpose of acco
receivable in Finacle. income at given interval, system will debit inter
the IR (interest receivable) account and takes it f
account.
For eg The account was opened on 10.09.2005.
The next interest application date is 10.10.2005
For the purpose of accounting income for 30.09
system will debit interest form 10.09.2000
30.09.2005 to IR account and credit it to P&L acco
On 10.10.2005, system will debit interest to th
account and credit the same to two accounts.
1. Credit interest from 10.09.20005 to 30.09.2005
account.
 2. Credit interest from 01.10.2005 to 09.10.20
P&L account.
The IR head is system generated account hence m
debit/credit should be done only for the a
maintained manually.

31 Interest not chargesd to CC There are two areas has to be seen

account 1) Whether proper interest rate table has
attached .
2) In ACLHM if the limit level interest is “Y”
account levlel interest has to be entered f
full interest or else the limit level interest
always be “N”. The limit level interest app
when branch grants ad hoc limit to the party
32 System is charging penal There are two areas has to be seen
interest for the entire loan 1. The drawing power may be Nil t
amount instead fo overdue account and limit expited.
protion? 2. In ACLHM the account recall flag is “Y”
LIEN RELATED MATTERS

S.NO QUESTION SOLUTION

1. User wanted to cancel ACSRM The ACSRM lien is to be changed to U lien at the
lien in the account. backend and user to cancel in ALM menu option. T
backend job is to be done at DIT. Hence the matte
be referred to helpdesk/DIT.

2. What is the menu option to be Use ALM menu option.

used to cancel lien in an
account?

3. How modification of lien is to Modification of lien is to be done by using ALM me

be done? option.

4. User wanted to know details of User has to enquire by using ACM menu and selec
the accounts having lien. for lien details.

5. How to cancel “U” lien for an User can cancel “U” lien by using ALM menu.
account?

6. User wanted to mark lien on Use CLM menu and verify the same.
term deposit account.
 7. How to verify lien marked to a Enquire in ACM menu and select “T” option to view
particular deposit /Bank lien is marked or not to a particular deposit /Bank
Guarantee account? Guarantee account.

8. How to attach security for a Security can be attached for a loan account by usi
loan account? CLM/HCL M menu option.

9. How to view the securities The securities marked for a loan account are to be
marked for a loan account? checked through SRM.CLM/HCLM inquiry menu op

10 What is Limit Node? Limit Node is a tool which Finacle has provided in
. application through which Banks would be able to
monitor the advances at individual level or even g
level.

MISCELLANEOUS

S.N QUERY SOLUTION

O

1 Branches are unable to get Take the report through BR menu option (Enter s
scheme wise balances of loan GL sub head Code) which gives scheme wise bala
accounts like V-Cash, V- loan accounts
Mangala, and V-Kanyadaan etc.
Why?

2 Loan installments not recovered Check “ACM S Option” for recovery details.
from the operative accounts - Please enter the following:
Why? 1)Hold in operative account for amount due as “Y”
2) Repayment method. As “E”
3) In second page enter account number in th
pertaining to “operative account id”.
If all the fields are already existing, then:
a) Check for “effective available amount” in ope
account through “ACCBAL” menu.
 b) Check for any lien in the operative account th
“ALM” menu.
c) Check for manual transactions in loan account
d) Check for “overdue position” through “LAOPI” m

3 In some loan accounts System will not recover installment amount if th

installments are not being no demand. It will recover only after adjustin
recovered. Branch manually overflow amount or after rephasement of the a
transferred the installments. through ACM E option.
But the system shows overflow
amount. Why it is not raising
the demand?

4 It is observed that debit/credit You may invoke “ATOR” menu option for generati
summations of the individual said report.
accounts is not appearing in the
ACLI menu option, as the same
is required for reporting in
MCMR/QCMR and to ensure the
servicing of interest/installment

5 To generate reminder letter to To generate reminder letter to the borrower

the borrower what menu is to menu option “LAODR”.
be used?

6 In Finacle the system has not Batch job i.e. LADGEN and LADSP has not been
recovered any amount from after migration of branch. Hence system ha
operative accounts towards loan recovered from these accounts.
installments. Why?

7 How to change repayment The repayment schedule of a loan account can be

schedule of a loan? by invoking ACM menu (Sub Option E)

8 In case of CCM accounts while
returning the inward cheques to
Service Branch, Branch found
that the system does not debit
Cheque return charges to the
concerned account in case the
accounts exceed the
arrangement. Why?
The Cheque return charges will be debited b
system if sufficient balance is available in the ac
Otherwise the system will create a lien in the ac
for the said amount. Any such lien created b
system can be viewed / ascertained through A
menu option. Whenever credits are received in
account, system will recover the amount under lie
9 User is unable to post Drawing Power might not have been fed in the
transactions due to the reason This can be done through “ACLHM” / “HACLHM
“withdrawal amount exceeds menu and then post the transaction.
balance” in CCH / CCM accounts
- Why?

10 How to freeze / unfreeze an An account can be freezed / unfreezed by inv

account? “AFSM” menu option.

11 How to change a password of a The password of a user can be changed by inv

user? “PWMNT” menu option.

12 How to reverse a disbursement The amount can be reversed by mentioning flow

transaction made to an DISBT
account?

13 How to change expiry date of a Expiry date of a loan account can be changed by
loan account? ACLHM / HACLHM (S) menu option.

14 For a loan account, effective Give drawing power in ACLHM/HACLHM (D) menu
available amount was “0”.

15 How to issue a bank guarantee? Bank guarantee can be issued by using GMM
option.

16 How to change the limit for Existing limit can be modified by using ACLHM/HA
OD/CC account? menu and it should be verified.
17 User was unable to debit a loan Modification of clearing limit is to be done in ACM
account in respect of clearing (0 Option) and the same is to be verified. Then po
cheque return for message transaction.
“Clearing amount exceeds”

18 How to know the repayment The repayment details for a loan account can be
details for a loan account? by invoking LARSH menu.

19 User unable to credit the loan This problem should be corrected at backend; he
account by giving the message should be referred to Help desk/ DIT.
“ all principle demands should
be uploaded first”

20 Are there any charges for Yes, Intersol transactions are chargeable.
intersol transactions? HOC189/2005 dated 26/10/2005 and 140/2005
06.08.2005 for details)

21 How to know the principal and Principal and interest outstanding particulars c
interest outstanding for a seen through menu option “LAPSP”.
particular account?

22 Whether pass sheet print of No, only other SOL account can be viewed but
other branch can be printed at cannot be taken.
some other branch?

23 For a loan account Memo pad Since it is an exception, check it. Generally
exists message displayed customer ID is modified and not verified then
pad exists message will appear on the screen.

24 How to know a scheme for a Give loan name in ACM menu and put F2 and
loan account? correct scheme code.

25 How to find out details of User has to visit ACM “E” details and press shift F
amount collected for a loan to get the required details.(This can be seen in AC
account?
26 If installments are not taken Rephase the account in ACM menu option.
properly what is to be done?

27 How to change operative Change the operative account details in ACM me

account in ACM scheme details? visiting scheme (S – sub option) details..

28 How to reverse installment Reverse the transaction in TM menu option by

collected for a loan account? the flow id as NOCOL

29 How to take total debits and The total debits and credits for a loan account m
credits for a loan account? taken by using menu option ACSP.

30 How to modify the auto loan Auto loan recovery linked to operative account c
recovery linked to an operative delinked in ACM menu scheme details and it sho
account? verified.

31 How to take the particulars of The required particulars can be obtained by inv
cash transactions happened FTR menu option.
during a particular day?

32 Branch unable to take pass Branch to check for the “I” link web and keep it
sheet print by getting message while taking the print.
collateral check failed why?

33 How to know the sanction limit Sanction limit for a loan can be known by inv
for a loan account? ACLHI/ACCBAL menu option.

34 How to change sanction limit for Sanction limit for a loan account can be modif
a loan account? using ACLHM / HACLHM (S) menu option.

35
 How to give holiday period for a User to mentioned date of installment from it has
Housing loan account? collected in “I” details.( The installment recovery d
to be mentioned in ACM-E option for holiday).

36 How to renew a CCM account? CCM account can be renewed by using ACLHM/HA
menu option and it should be verified.

37 System is showing less User to cancel lien already marked in ALM menu
available amount. How to if lien is not relevant.
rectify?

38 For a loan account installments User has to rephase the account (to
are irregularly collected. How inconsistence date in E schedule) in ACM menu
to rectify? account will be regularized.

39 For a loan account after The set up might have changed to exception. It
freezing the account it is be changed to error.(Refer the matter to DIT for c
allowing the debits. in parameter set up)

40 Branch unable to debit the Branch to change the debit cash limit in ACM g
account by giving the message account details and then go for transaction.
Debit cash limit exceeds.

41 For a CCM account the pass Branch to specify the pass sheet size as “W” i
sheet print is not coming fully. menu and then print.
Why?

42 For a loan account system is Branch has to change expiry date as current d
showing Running limit. Why? ACTODM menu and verify the same in ACTO
menu.(The running limit arises due to TOD)

43 System is showing overdue Rephase the account in ACM menu Sub option “E”
amount for a loan account. How
to rectify?
44 Branch unable to debit a CCM Branch to verify the DP to the account th
account by giving message ACLHM/HACLHM menu.
insufficient balance.

45 How to give adhoc limit to the Ad hoc limit can be given to a loan account by
account? ACLHM/ACLHM menu. Please refer detailed gu
given in this regard.

46 How to change number of The change of number of installments can be d

installments for a loan account? ACM menu in “E” details and change the loan pe
scheme “S” details.

47 While debiting a loan account it Branch to mention Drawing power and Sanction
is for the account by using ACLHM/HACLHM menu op
giving message withdrawal limit
Exceeds.

48 Branch unable to credit loan This problem should be rectified at back end
account by giving message should be referred to DIT/HELPDESK.
value date should be more than
minimum value date for the
account

49 Branch unable to post Branch to give additional details and pos

transaction. Why? transaction in TM menu.

50 How to verify Drawing power to Drawing power can be verified through ACLHM/HA
a loan account? menu option.

51 How to verify Nomination Nomination details for an account can be V

details for an account? through ACM “N’ details.
52 How to verify Sanction Number Sanction number for a loan can be verified th
for a loan account? ACLHM/HACLHM option.

53 How to view Insurance details Insurance details of a loan account can be v

of a loan account? through SRM/CLM/HCLM menu option.

54 In the case of loan accounts, The repayment method will be mentioned in s

where repayment method will details, first screen.(Please also see E details)
be mentioned?

55 Under loan repayment system, If the option is selected, it means installment re

for a particular loan account from operative account to the extent of av
option E is mentioned. Explain: balance.

56 Under loan repayment system We can find hold in operative number in ACM
where hold in operative account scheme details, second screen.
number will be mentioned?

57 Under loan repayment method Under loan repayment method, if option specified
if option specified is T, what it means recover the dues by allowing a tem
does it represent? overdraft to the extent of shortfall.

58 Under collateral linkage Under CLM menu general details ceiling limit de
maintenance in general the limit up to which the loan/advance cou
particulars ceiling parameter sanctioned backed by the security offered.
denotes:

59 How to modify a guarantee? Modification of a guarantee can be done by using

option GMM by giving function M. A guarantee
modified can be taken up further modification
verification. (by the same person)

60 What is reversal of guarantee? This is an intermediary step prior to closure

guarantee. Any expired guarantee can also be rev
 Reversal of guarantee will reverse the cont
transactions already put through at the time of iss

61 What are “Sweeps”? Sweeps is a facility wherein available balance

various accounts is pooled and utilized through
the accounts. At the end of the day appro
adjustments happen on its own.
How to take loan overdue Invoke LOAPI menu option.
report?
62

How to take limit liability Invoke LLIR menu option.

report?
63

How to take the report of the Invoke LAPSP menu option.

principal and interest collected
64
for an account?

How to take secured loan Invoke BR menu option enter GL code .

65 balancing report?

66 How to take ledger print of a Invoke ACLPCA menu option.

customer account?

67 How to take report containing Invoke ACLPCA menu option.

customer accounts opened
during a particular period?

68 How to find out EMI for a loan Invoke LAMOD /HLAMOD MENU option.
account?

69 How to take balancing of loan Invoke BR menu option.

accounts?

70 How to take report for Invoke LARSH menu option.

installments due for a loan
account?
71 How to take report of loan Invoke SHOWREP menu option.
accounts for bifurcation of
principal and interest amount?

72 How to take balancing report of Invoke GP menu option.

a Bank Guarantees?

73 How to generate loan pass Invoke LAPSP menu option.

sheet print?

74 How to take TOD report? Invoke TODRP menu option.

75 How to take balancing report Invoke CUSTBALP menu option.(MIS server)

for a customer as on 31st
March?

76 How to generate turnover Invoke ATOR menu option.

report?

77 How to take reports of accounts Invoke LAGI/ACSP menu option.

with balances of more than Rs
10 lakhs?

78 How to generate a report Invoke ACSP menu option.

containing accounts closed on a
particular day?

79 How to generate interest report Invoke AINTRPT menu option.

for a loan account?

80 How to generate report for all Invoke LAGI menu option.

loans opened on a particular
date?

81 How to generate report for all Invoke AINTRPT menu option.

loans with details of interest?

82 How to take report of priority Invoke LAGI/ACSP menu option.

sector loans?
83 How to generate AOD report? Invoke DOCTR menu option.

84 How to take report of CC/OD Invoke CCODBAL menu option.

balancing?

85 How to take report of intersol Invoke ISTR menu option.(MIS server)

transactions?

86 How to take exceptional report? Invoke EXCPRPT menu option.

87 What is the menu option for The menu option for Guarantee printing is GP.
Guarantee printing?

88 How to find out Guarantees By invoking GILR menu option we can find out
issued and liabilities register? Guarantees issued and liability register.

89 How to find out Differential By invoking DPGR menu option we can find the sa
payment Guarantee register?

90 How to collect Guarantee over By invoking GODCH menu option we can collect
due charges? Guarantee over due charges.

91 How to find out Margin details Margin details for all overdue Guarantees can be f
for all overdue Guarantees? by invoking menu option BGMARGIN.

92 How to take interest certificate By invoking INTCERT menu option.

for a loan account?

93 How to generate loan account By invoking LAODR menu option.

due notice form?

94 How to take report of list of Take the report by invoking LLIR menu option.
accounts and their limits and
limit expiry dates for loan
accounts?

95 How to know installment for a Use LAMOD menu option.

loan account for a specific
period?
 96 How to take report of pending Take report by using PLIST menu option.
installment for a loan account?

97 User has credited all the cash to Manually reverse the transaction and give credit t
one loan account instead of individual loan accounts.
many accounts. How to rectify?

98 There is a difference in account This may be because of lien which can be checked
available balance and balance through ACM menu.
fields.

99 System has calculated interest Sanction limit may not have been given in ACLHM
@ 18% instead of rate menu.
mentioned in account details.

100 User wanted to change User to change customer ID by using CCA menu o
customer ID of an account. How
to change it?
 N P A Matters

S.NO QUERY SOLUTION

1 Balance in the NPA account is Invoke menu option NPARPT. The system will
inclusive of MOI debited after interest to the account and credit the same to M
date of NPA. To reduce MOI the same GL and will not be taken into P&L Accoun
component from balance, any
report is available in the
system?

2. Account classified as NPA If any of the accounts not qualifies for classifyin
wrongly even though it is a NPA, you may classify the account as Standard a
standard Asset—How to by invoking menu option MEAC.
reverse it?

3. In some of the NPA accounts
portion of the interest is
being credited to IR account
and portion amount to MOI.
Why?
While migration, all the accounts were migrate
standard accounts. Subsequently, when the br
has invoked MEAC menu to classify the account
NPA, the date from which the migration took place
up to the date of invoking MEAC, the system
credit the portion of interest to IR account of
scheme, since the account is treated as stan
account during that period.

4 Interest application is made This can be checked by generating a report thr

in NPA-suit filed accounts as NPARPT menu option. The status of the account
zero balance accounts. be verified through ACM Y option. The status o
account can be modified through MEAC menu optio
5 Regarding application of In Finacle, the interest will be debited to NPA acco
interest to NPA accounts in and credited to the MOI of respective loan acco
Finacle, What is the The interest so debited to the NPA accounts is
procedure to be followed? accounted as profit. Branch can view the accumu
MOI of the respective NPA accounts by invoking
menu by selecting the MOI accounts of the conce
loan scheme.

FREQUENTLY ASKED QUESTIONS – INLAND BILLS

SL NO QUERY REPLY/SUGGESTIONS
1. Balancing report of OBC Use BRCR menu
and CBP
2. To modify CBP commission Modify the bill and modify the comm./postage cha
and postage. in BM menu.
3. CBP realized but unable to Cancel the bill realisation. Realise and verify bill on
verify due to fatal error. same day.
4. To dishonour bill Use BM menu option.
5. User has reported that a Verify the transaction generated after verifying the
bill has been purchased and
verified but the credit is not
there in the account.

FREQUENTLY ASKED QUESTIONS – REMITTANCE

SL NO QUERY REPLY/SUGGESTIONS
1. Not able to generate CODD Use IBRECON option and copy it in PTW menu
file and copy to floppy
2. CO tansacaction done on HOCIP menu option
another branch
3. CO transaction as on date HOCIP menu
4. Pay DD issued by another Add record in DDSM and verify, then pay DD.
branch on itself.
5. To pay a DD issued by a Add record in DDSM menu by giving status as un
 non-finacle branch and not cautioned. Verify. Then pay DD using
menu.
6. Correct DD inventory no is Print the unprinted DDs or move the inventorie
not being displayed. destroy location using IMC.
7. To cancel DD Use DDC menu
8. Entered CO transaction with Reverse the transaction and put new entry
wrong COT number
9. Revalidate DD Revalidate using DDSM menu option.
10. Reverse CO transaction Reverse CO transaction giving visit screen as ‘X’.
11. DD print not coming Maybe there is no inventory in DD common loca
So move inventories and take DD print. OR en
ilinkweb is connected.
12. Generate DD report Use DDIR menu option.
13. To cancel a DD issued Enter details in DDSM menu and cancel the sam
before ‘Finacle’ DDC menu.
implementation
14. MT wrongly made on ‘X’ Reverse the transaction.
branch instead of ‘Y’.
15. User wanted to reverse an Reverse the transaction Using TM Menu option.
FRR transaction
16. Wrongly issued a DD on ‘X’ Cancel the DD by using DDC menu.
instead of ‘Y’
17. Wrongly debited the CO a/c Reverse the transaction in TM by giving visit scree
instead of crediting and 'X' in CO details.
wanted to rectify the same.
18. User wanted to revalue Add the record in DDSM and revalue date can be
date a DD issued prior to changed there itself and the same to be verified.
Finacle.
19. User wanted to know the Find the DD no in TM by visiting additional details.
DD no for a particular
transaction.
20. User is unable to do CO To give MISCR for credit & MISC for debit in CO
transaction transaction.
21. To take DD reprint Invoke REDRPT menu option. (DDREPRNT).
22. User wanted to pay a DD Add the record in DDSM and has to be verified and
issued from nonfinacle then to pay the same.
branch.
23. To know all the unprinted Take the report in DDPALL menu option.
DDs
24. User wanted to issue a Do DDLOST first & issue duplicate DD using DDD.
duplicate DD.
25. To take DD reports for a Use DDIR menu to take the report
particular period.
26. User while generating the The inventory is still lying in safe it has to be mov
DD print was getting an to common location invoking IMC menu.
error inventory not
available
27. To cancel the pay order Use DDC to cancel the pay order.
issued.
28. User wanted to cancel Cancel using DDC Menu option.
Payorder.
29. To take report of CO Use HOCIP menu to take the report.
advice.
30. To generate the report for Use HOCIP menu
all CO entries responded
from the Branch.
31. Menu for DD Summary & Use DDIC & HOCIP menu to take the reports.
CO details.
32. Unable to take DDCO Use PR menu option.
abstract report
33. User has reported that mail User to select CO as head of a/c and in the additio
transfer head of a/c is not details under category code, to select MT
available.
34. To generate the summary Invoke IBRECON menu, and transfer the same
of CO and DD invoking PTW menu

Dos and Don’ts in DEMAND DRAFT

S.No. Issue DO DONOT

01. Issue of 1. Select menu 1. Do not credit any other account.

Demand option TM and 2. Do not enter name of the branch. It is
Draft credit DD A/C default picked up by the Branch code
36301001 prefixed given.
by sol id 5 digits 3. do not press F4 key without
followed by two visiting commission field
zero’s. by pressing control `E`, whenever
2. In additional the amount is modified.
details select
contra account
`Y`,
and enter the
DRAWEE Branch
code No.
02 Draft Cash DD should be Do not issue Cash DD for 50000 and
Amount. up to Rs 49,999/ above.
only.
03 Exchange The system by Do not press F3 without accepting the
default populates modified commission amount.
commission
amount. Wherever
the exchange
amount is to be
modified press
control `E` and
modify the amount
and press F4 to
accept the change.
The Changed
exchange should
be displayed in the
additional details
screen below the
purchaser’s name
field.
04 Printing Of 1. Ensure that 1. Do not close ilinkweb.
Draft Ilinkweb is 2. Move the spoiled DD to Destroy
on. location.
2. Ensure that 3. Inventory Number should match
inventory is with the printed number of the DD.
available in All the DD should be printed as
DD Common otherwise the status will not be
location. updated in data base and the
Press F10 to system will not default the
move the particulars.
inventory to 4. Do not press F3, if print is O.K
next No. and without pressing F10.
if print is not
O.K, go for
Reprinting.
05 Cancel 1. Use DDC 5.Do not use TM to cancel the
 Draft All Finacle Branches have CBS
06 Advice printed below
The branch Name. For DD
issued by Non finacle Branches
the advice has to be entered in
DDSM for Payment and
cancellation.
DD For DD payment in transfer and
Payment cash mode,Select Menu option
In `TM`.
07 Finacle Select DD account in a/c id.
Instrument type Should be DD
and DD serial Number should be
entered in 2nd Field. Go for
additional details. The system
populates all the particulars of
the DD.
DD Payment in clearing.
DD is paid in ICTM. And the
Account
should be DD account. The
instrument No should be DD
serial No. On pressing F4 the
system displays a list of
duplicate records. The relevant
duplicate record should be
selected
Do not enter advice in
DDSM for finacle Branches.
This is already in the data
base.
1. Do not enter printed
Number in Instrument No
field.
2. Do not enter any values
in 1st box in instrument No
field.
3. Do not enter any other
values other than Printed
Number in reference
field. The printed No
Should be inventory No.
which is maximum of
8digits.
8 Payment The non finacle DD will be paid 1. Do not enter Printed No
of Non with a message `Improper in instrument No field.
finacle advice` if the advice is not 2.Do not enter any other
DD by a received. After receiving the Number other than DD
Finacle advice the same should be serial Number
Branch entered in DDADV. 3.Do not forget to modify
the particulars of the DD
amount and the Branch
code of the selected record
before committing.

9 DUPLICAT 1.Do enter in DDLOST Before 1. Do not issue Duplicate

E DD issuing Duplicate DD in DDD. DD without marking it as
Lost
2. Do not use DDD for
issuing duplicate DD that
are issued before migration

10 DDNPADV .This is to confirm Non payment This should be entered in

from the drawee branch for
issuing duplicate DD after
marking it as lost.
11 DDIP This is an inquiry for the DD
paid by the branch.
the Branch from where DD
is issued
Do not give Printed number
for query. Always use DD
serial Number

FREQUENTLY ASKED QUESTIONS – DAY END

SL NO QUERY REPLY/SUGGESTIONS
1 While doing CSOLOP Instruct user to keep the ilink open and then
getting message general logout and then login again to go for ABH.
ABH checks failed
2 User was not able to do Normally, some transaction might have been
CSOLOP, though ABH created during ABH. Hence, post the
went through fully. transaction and continue CSOLOP.
3 While doing ABH error - The system should have Ilink web on and
link connect failed. should be connected to printer while doing
day end.
4 While doing ABH, system Verify which of the clearing zones is not
was giving an error closed.
Clearing zone not closed.
5 User was unable to do Some TM Transactions may be in entered
CSOLOP – error - some status. Invoke FTI menu and get such
SL NO QUERY REPLY/SUGGESTIONS
unposted transaction transactions. Post the transactions and then
pending. to go for ABH and CSOLOP.
6 User was not able to do Maybe MCP for GBM not done. Do MCP first &
ABH. then to do ABH.
7 User was getting message Close the inward clearing zone and then go for
ABH failed, MICR inward ABH.
clrg zone is open.
8 System is hanging for a Maybe it is month end and so ABH will take
long time while doing ABH longer than normal for calculating interest.
9 While going for ABH, next Mark the branch as holiday invoking CTM
date was shown, but their menu.
branch is on closed/has
holiday the next day.
10 User has rpt while doing Asked the user to keep the Ilink open and
CSOLOP he was getting a then logout and then login again to go for
message general ABH ABH.
checks failed
11 During CSOLOP, user was Cheque book issued may not be verified.
getting inventory not Hence, verify & do the CSOLOP.a
verified.