FREQUENTLY ASKED QUESTIONS (FAQs) REGARDING TERM LOAN/ CASH CREDIT/ OVERDRAFT ACCOUNTS

TERM LOAN ACCOUNTS:

1. HOW TO REVERSE WRONGLY DONE DISBURSEMENT IN LOAN ACCOUNT?

First of all, gather the information for the entry selected for reversal such as Type/ Sub Type/ Amount/
Value Date/ Flow ID etc. and then follow the procedure given below:

- Go to TM, Function A, choose Type/ Subtype (same as used earlier for the transaction): Credit
the loan account with the same amount, use TAB and enter the value date same as given at the time of
passing debit entry in the account, press F4, select the same flow id used for the earlier transaction in
additional details screen (say DISBM). Press F4 and go to the field Reversal Tran. ID and select the entry
by pressing F2 (in case the information furnished is correct then only system will show the entry details),
select the entry with shift+F4 and proceed to the second leg by pressing F4.

- Debit the account where earlier credit is given.

In case disbursement is done with wrong Flow ID say BCDEM/ OCDEM instead of DISBM.

The procedure shall remain same as above. However, the loan account will remain same for
credit & debit but with different flow id. The account will be credited with flow id BCDEM/OCDEM (as
the case may be) and debited with the flow id DISBM.

Likewise, any wrong debit/ credit entry in loan account can be reversed/ rectified as advised
above.

2. HOW TO OPEN LOAN ACCOUNT WITH SUBSIDY AMOUNT WHERE NO INTEREST IS TO BE

CHARGED ON THE SUBSIDY COMPONENT OF LOAN?

First open the loan account net of the amount of subsidy amount i.e. Loan amount minus subsidy.

Then open one more loan account under the same customer id for subsidy amount with interest as zero
(Change the interest table code in second screen of General account details into LZERO/ AIR00) and
A/c Pref. Int. is 0 (zero) and update the values as N for Int. on principal, Penal Int. on Principal Demand
Overdue, Principal Demand Overdue at end of month, Int. on Int. Demand, Penal Int. on Int. Demand
Overdue.

Open Term deposit for subsidy amount with zero interest (Change the interest table code in second screen
of General account details into TZERO).
3. WHAT IS INTEREST DEMAND DATE AND INTEREST DEMAND EFFECTIVE DATE?

Interest Demand Date is the next date of interest calculation as well as posting in the account. Interest
Demand Effective Date is the date from which interest becomes payable e.g. Staff housing loan where
interest is recovered after complete recovery of principal, this date should be entered as the end date for
the principal payment.

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 FREQUENTLY ASKED QUESTIONS (FAQs) REGARDING TERM LOAN/ CASH CREDIT/ OVERDRAFT ACCOUNTS

4. WHEN TO GIVE INTEREST DEMAND EFFECTIVE DATE IN INTEREST DETAILS OF

OAAC/ACM?

In case of following loans, the Interest Demand effective date to be given in Interest details of OAAC
Option I / ACM option S:

- Educational loan -Start date of repayment.

- Staff Housing loan
- Staff vehicle loan
- NSC loan
- Loan against Term deposits
- Housing Loan with moratorium
-The date when the repayment of interest will start.
-The date when the repayment of interest will start.
-The maturity date of NSCs.
-The maturity date of Term deposit receipts.
-Start date of repayment.

5. HOW TO SEE THE DEMAND, COLLECTION AND OVERDUE IN THE LOAN ACCOUNT?

Option 1 - Go to ACM- select the function as I for inquiry and press F4. Enter the account id and press
F4. Put E in the option field, press F4 and thereafter press Shift+F4. System will display Demand Type/
Flow ID/ Demand Effective Date/ Demand Amount/ Collection Amount/ Last Adj. Date. In case there are
overdues in the account, careful analysis will show the date since when the account is running irregular.
This is the point where there is mismatch between Demand Amount and Collection Amount or where the
collection amount is lower than the demand amount.
Option 2 Go to LAOPI menu. Give the account number
- Press F4
- System now gives the total demand, recovery and overdue position of the account. In the next
screen press Control+E to expand the position of demand, recovery and overdue.

6. WHY THE SYSTEM DOES NOT ALLOW DEBIT TO LOAN ACCOUNT IN CASE OF OUTWARD
CLEARING CHEQUES RETURNED IN THE ACCOUNT?
- Direct credit to loan account through clearing should not be given, as any clearing return will
make the repayment schedule go haywire. Credit should first be given to Sundry account and on
realization it should be transferred to loan account.

7. HOW TO KNOW WHETHER SIMPLE OR COMPOUND INTEREST IS CHARGED TO THE LOAN

ACCOUNT?

Invoke ACM menu. Function I->F4->enter a/c ID->F4->Option S->F4->F6 three times.

Check up the value from the field Int. on Int. Demand. Here N means SIMPLE and Y means
COMPOUNDED interest is being charged in the account.
8. HOW CAN I ENSURE THAT SYSTEM WILL CHARGE INTEREST IN LOAN ACCOUNTS ON
MONTH END DATE?

i) Interest on Principal flag should be Y (check through ACM under S option).

ii) Check Int Dmd Date through option E, in case it is future date, no interest will be charged in the
account, however, the same will accrue and income will be booked.

iii) Rephasement of account with wrong parameters such as PRDEM value is Null and INDEM have
some value. Please note that in EIDEM cases, there is no need for INDEM row.

iv) Check Collect Int ? , Int Rate Code, A/c Pref Int Dr (all on second screen) and Next Int Calc
date Dr (on third screen) through option 0 (zero).

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 FREQUENTLY ASKED QUESTIONS (FAQs) REGARDING TERM LOAN/ CASH CREDIT/ OVERDRAFT ACCOUNTS

v) Int Dmd Date should be current month end date. Collect Int flag should be Y. Combination of Int
Rate code and A/c Pref Int Dr gives the net interest rate which should not be zero. Next Int Calc Date DR
should be same as Int Dmd Date. If so then system will calculate and post interest on month end date.
9. HOW IS IT POSSIBLE TO VIEW PRINCIPAL AND ACCRUED INTEREST SEPARATELY IN
STAFF HOUSING LOAN AND OTHER ACCOUNTS HAVING SIMILAR NATURE?

Option 1 - For loan accounts opened in FINACLE (non-migrated accounts)

The balance shown in the account level is the total of principal plus interest. However, in ACM menu the
sub option- ? can be used to view the interest report.

Option 2 - For all accounts (migrated as well as non-migrated)

Generate report number 15 (Simple Interest Loan Report) under LOAN module through PSBRPT menu
to view principal and accrued interest separately.

Option 3 - Go to LAOPI menu. Give the account number

Press F4, system now gives the total demand, recovery and overdue position of the account. Check the
value for the fields Total Liability & Interest Liability. Total Liability minus interest Liability represents
the principal portion and interest liability represents the accrued interest portion.
10. HOW TO GENERATE INTEREST CERTIFICATE FOR A PARTICULAR LOAN ACCOUNT?

First of all, ensure that the value for the field Int cert print is Y for the main holder of the account. For
this invoke the ACM menu option and enter the value as A in option field. If the value is N then modify it
to Y and get it verified before proceeding for generation of interest certificate.

Thereafter, invoke the menu INTCERT for generating interest certificate for loan accounts and enter the
value as D in the field Dr/Cr Interest. Enter the account ID and from date and to date and press F4. For
generating interest certificate for loan accounts enter the value as D in the field Dr/Cr Interest. Enter the
account ID and from date and to date and press F4. System generates the certificate which can be viewed
or printed.

Recover charges if any manually as per Banks guidelines.

11. IN LOAN ACCOUNTS UNDER DEPLO/ NSCLO SCHEME WHY SYSTEM IS SHOWING OVERDUE
WHEN THE FLOW START DATE IS FUTURE DATE?

In the case of loan accounts under DEPLO and NSCLO the Flow start date (installment start date)
should be equal to the maturity date of FDR/ NSC as the case may be. The interest demand effective
should be the same as Flow start date so that system demands the principal as well as interest on the
maturity date of FDR. In case the Interest demand effective date is lesser than flow start date then system
will demand the entire interest charged up to that day. To rectify the same modify the account through
ACM and update the interest demand effective date same as flow start date and rephase the account to
capitalize the interest

In the case of loan accounts under EDULO scheme repayment to start after the expiry of moratorium.
Therefore, it should be ensured that the flow start date should be future date after expiry of moratorium.
However, if the interest demand effective date is blank or less than flow start date then system will
demand the entire interest charged till that date. To rectify the same modify the interest demand effective
date same as flow start date and rephase the account through ACM.

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FREQUENTLY ASKED QUESTIONS (FAQs) REGARDING TERM LOAN/ CASH CREDIT/ OVERDRAFT ACCOUNTS

12. WHY SYSTEM IS SHOWING OVERDUE IN DEPLO/NSCLO LOAN ACCOUNTS EVEN THOUGH
FLOW START DATE AND INTEREST DEMAND EFFECTIVE DATE GIVEN AS MATURITY
DATE OF FDR/NSC?

Invoke ACM menu. Function I->F4->enter a/c ID->F4->Option E->F4->SHIFT+F4. Now system
shows the demand creation date and type of demand. Please check whether system shows demand for any
bank charges/ other charges with flow id BCDEM/ OCDEM. If any charge has been debited using the
flow id BCDEM/ OCDEM then system creates demand for the same and if not serviced it is shown as
overdue.
13. SYSTEM SHOWING OVERDUE IN LOAN ACCOUNTS LIKE EDUCATION LOAN. BORROWER IS
REGULARLY PAYING THE INSTALLMENTS AFTER EXPIRY OF MORATORIUM PERIOD.

In loan accounts where there was moratorium, branch needs to rephrase the account just before the expiry
of the moratorium period and interest has to be capitalized and new schedule has to be drawn in terms of
the sanction. If the same is not carried out then the entire interest charged so far is demanded by the
system and takes it to overdue if not serviced.
14. SYSTEM IS SHOWING OVERDUE IN STAFF HOUSING LOAN AND STAFF VEHICLE LOANS
UNDER SIMPLE INTEREST EVEN THOUGH THERE IS REGULAR CREDIT OF INSTALLMENTS
THROUGH SALARY.

In staff housing loan and staff vehicle loan accounts under simple interest, principal has be repaid first
and interest payment starts thereafter. Therefore, while opening the loan account repayment schedule has
to be drawn only for principal amount. After principal has been completely recovered account has to be
rephrased and new repayment schedule has to be drawn for the interest payment through HLARA menu.
If not done so, the entire interest charged so far is demanded by the system and is taken to overdue.
15. I HAVE RECOVERED THE ENTIRE BALANCE FOR A LOAN ACCOUNT USING PAYOFF MENU.
EVEN THEN THE ACCOUNT IS SHOWN AS LIVE BY THE SYSTEM WHILE MAKING ENQUIRY
THROUGH ACS MENU

When recovery is affected through PAYOFF menu, the entire balance, including up-to-date interest, is
recovered and the balance becomes zero. However the account has to be specifically closed through
CAAC menu to make the status of the account as CLOSED.
16. IN AN EDUCATION LOAN ACCOUNT AS PER SANCTION TERMS, INTEREST HAS TO BE
RECOVERED DURING MORATORIUM PERIOD. WHERE SHOULD I MARK SO WHILE
OPENING THE LOAN ACCOUNT?

At the time of opening the loan account keep the interest demand effective date in I detail equal to that
of first interest demand date. Also update the value as Y for the field Penal int on Int demand overdue.
For example if the loan account is opened on 10/03/2012 and first interest demand date is 31/03/2012
then the interest demand effective date should also be 31/03/2012. By doing so system will demand the
interest as and when debited in the account and any recovery will go towards satisfaction of interest and if
no recovery is made it will be shown as overdue and system will charge penal interest on overdue portion.
17. WHILE OPENING A STAFF FESTIVAL LOAN WHICH SCHEME CODE SHOULD I SELECT?

For opening staff festival loan select the scheme code as STFZO as the GL Sub head attached to this
scheme is not a part of loans and advances.

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 FREQUENTLY ASKED QUESTIONS (FAQs) REGARDING TERM LOAN/ CASH CREDIT/ OVERDRAFT ACCOUNTS

18. I WANT TO OPEN A LOAN ACCOUNT AGAINST FDR UNDER DEPLO SCHEME WITH
MULTIPLE SLABS WITH DIFFERENT INTEREST RATES.

System does not support opening loan accounts under DEPLO scheme with multiple slabs with different
interest rates. If interest rates are different for the FDRs then open different loan accounts and attach the
FDR.
19. WHEN SYSTEM IS NOT ALLOWING DEBITING LOAN DISBURSEMENT USING FLOW ID
DISBM CAN I DEBIT THE ACCOUNT USING FLOW ID OCDEM/ BCDEM?

When system is not allowing debiting loan disbursement using flow id DISBM, it means effective
available amount is not there in loan account. If you debit loan account with flow id OCDEM/ BCDEM,
then this amount will become overdue on the same day and the account may be classified as NPA by the
system in due course. To enable the system to allow debit using flow id DISBM then lodge the issue
through ehelpline and inform your zonal office with full description of the issue such as Sanctioned
amount, disbursed amount & Pending disbursement amount. On receipt of confirmation/
recommendations from ZO, necessary modification will be made by the system integrator (M/S WIPRO).
(Refer HO IT Cir 08/2012 dated 14/03/2012).
20. I WANT TO OPEN A LOAN ACCOUNT WHERE NO INTEREST/ PENAL INTEREST IS
CHARGEABLE AS PER ARRANGEMENT. HOW CAN I ENSURE THAT SYSTEM WILL NOT
CHARGE ANY INTEREST IN THE LOAN ACCOUNT?

While opening the loan account through OAAC menu ensure that the following fields carry the values as
given below:

In G details Collect int? =N

Int Rate code =AIR00
A/C pref int DR=0.00
In I details- Int on Principal=N
Int on principal demand overdue=N
Int on Int demand=N
Penal Int on int demand overdue=N

21. I WANT TO OPEN A CAR LOAN IN THE NAME OF OUR MANAGER WHERE THE INTEREST
CHARGEABLE IS 8.5% SIMPLE UP TO RS 80000/- AND 12% SIMPLE ABOVE RS 80000/-. IN
WHICH SCHEME SHOULD I OPEN THE LOAN AND WHETHER I HAVE TO MAKE ANY
CHANGE IN THE INTEREST RATE CODE?

While opening a car loan in the name of an officer staff use the scheme code STFVH. In this scheme
the rate code attached is STFFW which carries interest slabs as 8.5% up to 80000/- and 12% above
Rs.80000/-. The A/C Pref Int Dr should be 0.00.
22. I WANT TO OPEN A CAR LOAN IN THE NAME OF A WORKMAN STAFF WHERE THE
INTEREST CHARGEABLE IS 7.5% SIMPLE UP TO RS 15000, 12% SIMPLE FROM 15001 RS
60000 AND PLR ABOVE RS 60000/- ON COMPOUNDED BASIS. PLEASE GUIDE ME.

While opening a car loan in the name of workman staff two loan accounts have to be opened i.e one for
the simple interest portion and the other for compound interest portion. While opening the simple interest
portion select the scheme code as STFVH and there in select the Int Rate code as STFLW. This rate code
carries interest slabs of 7.5% up to Rs.15000 and 12% above Rs.15000. The A/C Pref Int Dr should be
0.00. While opening the compound interest portion select the scheme code as VEHLO and select the Int
Rate code as BPR. The A/C Pref Int Dr should be 0.00.

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FREQUENTLY ASKED QUESTIONS (FAQs) REGARDING TERM LOAN/ CASH CREDIT/ OVERDRAFT ACCOUNTS

23. I WANT TO OPEN A MOTOR CYCLE LOAN IN THE NAME OF OUR STAFF WHERE THE
INTEREST CHARGEABLE IS 7.5% SIMPLE UP TO RS 15000/- AND 12% SIMPLE ABOVE RS
15000/-. IN WHICH SCHEME SHOULD I OPEN THE LOAN AND WHETHER I HAVE TO MAKE
ANY CHANGE IN THE INTEREST RATE CODE?

While opening a car loan in the name of an officer staff use the scheme code STFVH. In this scheme
the rate code attached is STFLW which carries interest slabs as 7.5% up to Rs.15000/- and 12% above
Rs.15000/-. The A/C Pref Int Dr should be 0.00.
24. A CUSTOMER WHO IS HAVING A TERM LOAN ACCOUNT IS INTERESTED TO KNOW THE
AMOUNT REQUIRED TO SETTLE THE LOAN ACCOUNT WITH UP TO DATE INTEREST IF

- Account to be closed today

- Account to be closed on any future date for e.g. month end date

PAYOFF menu can be used to inquire the amount payable including the unapplied interest to settle the
account. This inquiry can be done for amount payable as on date or for any future date. However this
menu is available only for term loan accounts
25. PRIOR TO MIGRATION SOME OF THE HOUSING LOAN ACCOUNTS WERE REPORTED
UNDER PRIORITY SECTOR HOUSING LOAN IN THE GL. HOWEVER AFTER MIGRATION IT
IS OBSERVED THAT ALL THE HOUSING LOANS ARE REPORTED UNDER HOMLO- NON
PRIORITY SECTOR. CAN I CHANGE THE GL SUBHEAD OF THE LOAN ACCOUNT?

Finacle does not support change of GL Sub head or scheme code for term loan accounts. Sector code of
the account can be updated through V option under ACM menu. This can take care of the reports based
on sector code. However for correct reporting under the proper GL sub head, the account needs to be
closed and new account has to be opened, subject to concurrence of the borrower and compliance of legal
requirements, if any.
26. ONE OF OUR STAFF MEMBERS HAS JOINED OUR BRANCH ON TRANSFER FROM A CBS
BRANCH. HE IS ALREADY HAVING STAFF HOUSING LOAN ACCOUNT IN THE OTHER
BRANCH. CAN I CREDIT THE LOAN INSTALLMENT IN THIS EXISTING ACCOUNT OR IS IT
NECESSARY TO GET IT TRANSFERRED FROM THE OTHER BRANCH.

Loan installments can be directly credited to the existing loan account in the other branch. However, if the
other branch is insisting on transferring the account to your branch, then after getting the complete details
of the loan account, you can open the loan account in your branch through OAAC menu. The account has
to be opened as a transfer-in loan account. Refer the Job Card for complete details

27. HOW TO FIND OUT EMI AMOUNT FOR A LOAN ACCOUNT WHEN A CUSTOMER INQUIRES
WHAT WOULD BE THE EMI AMOUNT FOR A GIVEN LOAN AMOUNT? LIKE THIS CAN I FIND
NO. OF INSTALLMENTS/ LOAN AMOUNT/ INT RATE.

Invoke LAMOD menu. In Enter option field type 1 and press F4. Enter the following fields:
Loan Amount, No. of Installments, Int. Rate
EI Payment frequency =M (Monthly)
Compounding Freq =M (Monthly)
EI formula flag =P (PMT formula)
Int Base Method =D (Daily)
Press F4
By changing the necessary fields given above you can find out the No. of Installments/ Loan Amount/ Int
Rate through this menu.

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FREQUENTLY ASKED QUESTIONS (FAQs) REGARDING TERM LOAN/ CASH CREDIT/ OVERDRAFT ACCOUNTS

28. HOW CAN WE FEED THE INTEREST RATES IN CASE OF TEASER RATES?

Teaser rates for loan accounts can be added through INTTM menu. After defining the interest rates the
start date and end dates have to be defined for the first slab. Thereafter, press down arrow for entering the
interest rates for the second slab period. Here, the system will automatically show the start date as the date
+1 of the previous record and user to define the end date for the second slab. Press down arrow for
entering the subsequent records with the same procedure mentioned for the second slab.

Finally press F10 to save the record and get it verified through another officer. (Job card available in
intranet site)

29. WHAT IS THE LOAN PERIOD IN THE CASE OF MORATORIUM ACCOUNTS LIKE EDUCATION
LOANS?

The total loan period should be moratorium period + repayment period (Door-to-Door tenor). For
example the total loan period, for Educational loan repayable in 60 monthly installments and having
moratorium period of 48 months, will 108 months. However, while opening this loan account, 108
months should be entered under Menu Option S and 60 months should be entered Menu Option E at the
time of drawing repayment schedule.

30. I HAVE OPENED A LOAN ACCOUNT, HOWEVER SYSTEM IS NOT ALLOWING

DISBURSEMENT THROUGH TM MENU WITH ERROR MESSAGE DISB NOT AS PER
SCHEDULE OR > LOAN AMT. WHAT IS THE RESOLUTION FOR THE SAME?

Invoke ACLHM menu->Function I->Enter a/c id->Operation D->Option I-> In the next screen check the
value for the field Drawing Power Indicator. If the value is D then ensure that the security details are
entered through SRM menu. If the drawing power is not to be derived from security then update the value
of this field as E i.e. Equal to Sanctioned Limit through ACLHM menu using function M.
Modification process has to be verified by another officer.

31. I WANT TO MODIFY INTEREST DEMAND DATE IN LOAN ACCOUNT WHERE FLOW START
DATE IS SHOWN AS FUTURE DATE, THEN WHY THE SYSTEM SHOWS AN ERROR MESSAGE
UP TO DATE INTEREST NOT CALCULATED?

While modifying the interest demand date in loan account through ACM menu where the Flow start date
is future date, then keep the value as N for the field Rephasement? If this value is modified as Y
then only system will give an error

32. IN A LOAN ACCOUNT BORROWER HAS PAID ADVANCE INSTALLMENTS BEFORE

MIGRATION OF THE BRANCH TO FINACLE. INSPITE OF THIS SYSTEM IS MARKING THIS
ACCOUNT AS NPA AFTER MIGRATION OF THE BRANCH TO FINACLE.

Finacle does not recognize advance installments (overflow) received prior to migration. For all such
account after migration the accounts have to be rephrased and flow start date has to be postponed suitably
(refer HO I T Cir 05 dated 18/02/2012).

33. IN A LOAN ACCOUNT AGAINST THE DEMAND OF RS 10000/- PARTY HAS DEPOSITED RS
20000/-. WHERE CAN I ENQUIRE AND CONFIRM THAT PARTY HAS PAID EXCESS AMOUNT?

When any borrower pays any amount in excess of demand system shows that amount as Overflow. The
same can be viewed through ACM menu->Function I->Option E. System adjusts this overflow against
any subsequent demand.
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FREQUENTLY ASKED QUESTIONS (FAQs) REGARDING TERM LOAN/ CASH CREDIT/ OVERDRAFT ACCOUNTS

34. What are the various reasons for interest failure in Term Loan accounts?

Interest posting in accounts can fail due to any of the following reasons:
- Collect interest flag is N
- Pay off flag is Y
- Net interest rate is zero
- Interest on principal / Interest on interest is N
- Mismatch between Int dmd date (ACM menu E detail) and Next Int Calc Date (dr) (ACM menu
0 detail)
- Missing freq for Int dmd date (ACM menu E detail)
- Int dmd date (ACM menu E detail) and Next Int Calc Date (dr) (ACM menu 0 detail) is future
date.
- Wrong Rephasement of Loan account.

35. What are the various reasons for which system charges penal interest in a loan account?

Following are the reasons for which system charges penal interest in a loan account:
- Overdue on account non payment/ late payment of EMI
- Overdue on account of non payment/ late payment of principal
- Overdue on account of non payment/ late payment of interest
- Overdue on account of non recovery/ late recovery of charges debited
- Wrong disbursement made using flow id BCDEM/OCDEM
- It may be due to entering the Applicable Date earlier than the system date at the time of
Modification under ACLHM because the system will re-calculate the interest in the account from
the freshly entered Applicable Date.

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 FREQUENTLY ASKED QUESTIONS (FAQs) REGARDING TERM LOAN/ CASH CREDIT/ OVERDRAFT ACCOUNTS

CC/OD ACCOUNTS:
1. HOW TO MARK ADDITIONAL/ SEASONAL LIMITS IN EXISTING CC/OD ACCOUNTS?

Invoke ACLHM menu. Select the function as M for modification. Enter the account number. In the
operation field enter the value as S for sanction limit. Press F4. Now in the option field enter the value as
U for modifying the maximum allowed limit. Fill the new maximum allowed limit (existing + fresh) and
press F4. Now change option from U to A and press F4. In the applicable date enter the BOD date. In
limit level int field enter the value as N if account level interest is same for the fresh facility otherwise
change the flag to Y and fill up the normal int. rate and penal int. rate fields as per sanction. Please note
that in case the flag is Y and normal int. rate and penal int. rate fields are blank, no interest will be applied
for this account. In sanction limit field enter the fresh limit for the account. Let the supercede flag be N so
that the existing limit is not superceded with the new limit. Press F4. Now fill up the sanction date, expiry
date, document date, review date, sanction level, sanction auth, sanction ref. Press F4 and F10. Get the
same verified by another user. (For complete detail refer job card).
2. HOW TO MARK ENHANCED LIMITS IN EXISTING CC/ OD ACCOUNTS?

Invoke ACLHM menu. Select the function as M for modification. Enter the account number. In the
operation field enter the value as S for sanction limit. Press F4. Now in the option field enter the value as
U for modifying the maximum allowed limit. Fill the new maximum allowed limit (enhanced limit) and
press F4. Now change option from U to M and press F4. In the applicable date enter the BOD date. In
limit level int field enter the value as N if account level interest is same for the fresh facility otherwise
change the flag to Y and fill up the normal int. rate and penal int. rate fields as per sanction. Please note
that in case the flag is Y and normal int. rate and penal int. rate fields are blank, no interest will be applied
for this account. In sanction limit field enter the fresh limit for the account. Supercede flag be Y so that
the existing limit is superceded with the new limit. Press F4. Now fill up the sanction date, expiry date,
document date, review date, sanction level, sanction auth, sanction ref. Press F4 and F10. Get the same
verified by another user. (For complete detail refer job card).
3. HOW CAN I ENSURE THAT SYSTEM WILL CHARGE INTEREST IN OD/ CC ACCOUNTS ON
MONTH END DATE?

Collect Int ? , Int Rate Code, A/c Pref Int Dr (all on second screen) and Next Int Calc
date Dr (on third screen) through option 0 (zero).

Collect Int flag should be Y. Combination of Int Rate code and A/c Pref Int Dr gives the net interest
rate which should not be zero. Next Int Calc Date DR should be same as Int Dmd Date. If so then system
will calculate and post interest on month end date.
4. CAN I OPEN OVERDRAFT ACCOUNTS WITH MULTIPLE SLABS WITH DIFFERENT INTEREST
RATES?

Yes. System supports opening of overdraft accounts with multiple slabs with different interest rates.
Detailed job Card is available in our intranet site.
5. I HAVE WRONGLY OPENED AN OD ACCOUNT UNDER ODNSC SCHEME INSTEAD OF ODABD
SCHEME AS THE LIMIT WAS AGAINST PLEDGE OF FDR. CAN I CHANGE THE SCHEME
CODE FROM ODNSC TO ODABD?

Yes, this functionality is available for OD accounts. For this, invoke the menu ACXFRSC and select the
function as T. Press F4. Enter the account ID and press F4. Now in the target scheme code select or
enter the value as ODABD. Trial mode field should be N. Press F4, if no exceptions are encountered
system transfers the account to the target scheme and gives a reference Sl No. The same has to be verified
by another officer through ACXFRSC menu using the reference Sl No.

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 FREQUENTLY ASKED QUESTIONS (FAQs) REGARDING TERM LOAN/ CASH CREDIT/ OVERDRAFT ACCOUNTS

This facility can be used to transfer accounts from one scheme to another of the same scheme type. For
complete details refer the Job Card.
6. HOW TO CANCEL THE LIMIT?

Menu > ACLHM, Function > M, Put A/c. ID, Operation >S, Option>W Press F4 & F10 to save the
record. Get it verified by another officer through ACLHM menu.

Please note that there is difference between Withdrawing & Deleting the sanctioned limit. Though the
sanctioned limit is cancelled in both ways but if the same is withdrawn, it will be effective from the
current date whereas if the same is deleted, it will be effective since inception, as if no limit has ever been
sanctioned in the account and system will consider the whole debit amount as overdue for the whole
period and levy penal interest.

7. HOW CAN I LINK THE DRAWING POWER OF AN ACCOUNT WITH THE SECURITY VALUE?

Menu>ACLHM, Function > M, A/c ID, Operation>D, Option>M. Press F4 and in the next screen update
the value of the field Drawing Power Indicator as D. Press F4 & F10 to save the record. Get it verified
by another officer through ACLHM menu. Please ensure that the security details are entered through
SRM menu and the collateral type is P(Primary) for linking the DP with security value.

8. WHAT MAY BE THE DIFFERENT REASONS FOR CHARGING PENAL INTEREST IN ANY
OD/CC ACCOUNT?

(a) Limit expired.

(b) Recall Flag Y.
(c) Stock statement not submitted in case of CC accounts.
(d) TOD expired but not Regularized.
(e) Outstanding in the account exceeded the sanctioned limit/ DP (whichever is lower).

9. AT THE TIME OF GIVING AD HOC LIMIT WHAT IS THE SIGNIFICANCE OF ADVANCE TYPE
SINGLE?

Advance Type Single means overdraft limit is not revolving and the TOD amount can be either used
against a single debit or in multiple debits up to the available amount and up to the expiry period. For
example TOD of Rs.10.00 lacs granted for 10 days can be utilized against a single debit of Rs.10.00 lacs
or any number of debits up to Rs.10.00 lacs during the sanctioned period of 10 days.

10. AT THE TIME OF GIVING AD HOC LIMIT ADVANCE CATEGORY IS SELECTED AS SECURED
BUT AVAILABLE AMOUNT DOES NOT INCREASE BY THAT AMOUNT, WHY?

If advance type is Secured then the condition is that the Drawing Power Indicator for the said account
should be D and security is linked through SRM menu as Primary Security. Only after entering the
security through SRM, which will be sufficient to provide Drawing Power greater than the already
Sanction Limit + Ad hoc limit.

11. SYSTEM IS CHARGING PENAL INTEREST ON TOD EVEN THOUGH THE PERIOD FOR WHICH
TOD GRANTED IS YET TO EXPIRE?

Check the value for the field Penalty Date through ACTODM menu. In case it is less than Expiry
Date the system will charge penal interest from that date. Update the Penalty Date suitably through
ACTODM menu and get it verified through ACTODMAU menu.

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FREQUENTLY ASKED QUESTIONS (FAQs) REGARDING TERM LOAN/ CASH CREDIT/ OVERDRAFT ACCOUNTS

12. HOW TO FEED STOCK STATEMENT?

i) To add record for the 1st month (first time):

Menu->SRM->Function A-> Linkage Type A->A/c Id -> Press F4 ->Option A. Enter the stocks details
and press F4 and F10 to save the record. Get it verified by another user though SRM menu.

ii) For subsequent months:

Menu->SRM->Function M-> Linkage Type A->A/c Id -> Press F4 -> Select the record entered last
month with security type as Primary -> Press SHIFT + F4 ->Option S Press F4 . Enter the stock details.
Do not update the due date. Press F4 and F10 to save the record. Get it verified by another user though
SRM menu. Please note that the user has to enter stock statements as per the given frequency e.g. in case
the given frequency is monthly and stock statement is being entered after say six months, the user is
required to follow the procedure for entering the statement six times i.e. one for each month as the system
will automatically shift the due date as per given frequency. Detailed Job card available on Banks
Intranet site.

13. EVEN AFTER ENTERING THE LATEST STOCK STATEMENT IN CC ACCOUNT THROUGH
SRM, WHY THE ACCOUNT STILL APPEARS IN THE SASCL REPORT AS FRESH SYSTEM
IDENTIFIED NPA WITH THE SAME REASON CODE (STOCK STMT NOT RENEWED BEYOND 3
MONTHS+90 DAYS)?

It represents that branch users are not following proper guidelines while entering Stock/ Book-Debt
statement which results in creation of multiple records of Primary securities. At the time of generating
SASCL report, system considers due dates for all the Primary Securities for NPA classification. As such,
even after entering the stock statement, the same account again appears in the SASCL report with the
same reason code.

In such cases, branch has to retain the substituted record of the oldest Primary security which was
uploaded at the time of migration or added first time through SRM and substituted thereafter. All other
wrongly added records of Primary and substituted securities should be deleted and it should be ensured
that the values under DPI & Del flag should be P & N respectively for the primary security thus retained.

14. REPORT 53 SHOWING ACCOUNTS FOR WHICH STOCK STATEMENT IS DUE BUT STOCK
ALREADY ADDED FOR THOSE ACCOUNTS, WHAT IS THE REASON AND NECESSARY
RECTIFICATION?

This is due to the reason that stock statements are not entered as per procedure explained above. It means
for each month branch is adding the Stock statement using Function & Option as A & A instead of
M & S. System does not recognize such wrong feeding of records and will charge penal interest and
also the drawing power will get added for each and every record. It is advised to delete all stock
statements except oldest one which should be substituted for next months.

15. IS IT POSSIBLE TO TRANSFER OD/CC ACCOUNTS FROM ONE SOL TO ANOTHER, IF YES
THEN WHAT IS THE REQUIREMENT?

Yes. Menu to be used is ACXFRSOL, but there should not be any transaction on that day and account is
transferred by Source SOL ID only i.e. in which the account is presently running. This menu should not
be used for Loan accounts.

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FREQUENTLY ASKED QUESTIONS (FAQs) REGARDING TERM LOAN/ CASH CREDIT/ OVERDRAFT ACCOUNTS

16. HOW TO FIND OUT THE OFFICE ACCOUNT NUMBER TO WHICH INTEREST DEBITED TO
LOAN/ OD/ CC ACCOUNTS ARE CREDITED?

Invoke GSPI menu->Function I->Enter relevant scheme code->Press F4->Option I->Press F4. In the next
screen Find out the value for the field Normal Profit & Loss A/C Placeholder (Dr). For example if the
value in this field is 50010001 then the relevant office account for interest is XXXX5050010001 where
XXXX is your sol id.

17. A CC ACCOUNT HAS BEEN SANCTIONED AGAINST HYPOTHECATION BOOK DEBT AS WELL
AS AGAINST HYPOTHECATION OF STOCK WITH DIFFERENT LIMITS AND WITH
DIFFERENT MARGINS. HOW CAN I ENTER THE SAME IN SRM?

While entering the security details through SRM, details have to be entered separately for book debts and
stock with collateral code as 13 and 11 respectively and security type should be Primary. While entering
the ceiling limit for each record care should be taken to enter the correct sub limit so that the total of
ceiling limit of both the records do not cross the sanction limit of the borrower. For example a CC limit
has been sanctioned with total limit of Rs.20 lacs and sub limit for CC Hyp. of stock Rs.12 lacs and Sub
limit for CC Hypn of book debts Rs.8 lacs. Therefore while entering the record for Hypn of stock the
ceiling limit should be given as Rs.12 lacs and while entering the record for Hypn of book debts the
ceiling limit should be given as Rs.8 lacs

18. IN A STAFF OVERDRAFT ACCOUNT THE LIMIT EXPIRY DATE WAS 01-01-2012. I HAVE
MODIFIED THE EXPIRY DATE THROUGH ACLHM MENU ON 10-03-2012. THE NEW EXPIRY
DATE IS 10-03-2013. HOWEVER SYSTEM HAS ALREADY CHARGED PENAL INTEREST IN THE
ACCOUNT FOR JAN 2012 AND FEB 2012. CAN I REVERSE THE PENAL INTEREST AND GIVE
CREDIT TO THE OD ACCOUNT?

System allows debit to income account. However for any refund of excess interest / penal interest please
be guided by the extant guidelines of the Bank contained in ID Cir 1639 dated 01/04/2011 and other
circulars issued from time to time.

19. IN CASE STOCK STATEMENTS ARE NOT UPDATED FOR LONG PERIOD SAY ONE YEAR,
WHETHER THE SAME ARE TO BE UPDATED AS PER THE FREQUENCY OF STOCK
STATEMENT OR THE LATEST CAN BE UPDATED DIRECTLY.

Stock statements are to be updated as per frequency. For example if the stock statements with monthly
frequency is pending since Sept. 2011 and the party submits all the statements on March 2012, then
details have to be entered all the months starting from Sep 2011. Record for the month of Sept. 2011 has
to be entered and verified and then record for Oct. 2011 has to be entered and verified and like this details
have to be entered for other months also.

20. WHAT ARE THE VARIOUS REASONS FOR INTEREST FAILURE IN OD/CC ACCOUNTS?

Interest posting in accounts can fail due to any of the following reasons:
- Collect interest flag is N
- Net interest rate is zero

21. WHAT ARE THE VARIOUS REASONS FOR WHICH SYSTEM CHARGES PENAL INTEREST IN A LOAN ACCOUNT?

Following are the reasons for which system charges penal interest in account:
- Stock Statement
- Recall flag is given as Y

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 FREQUENTLY ASKED QUESTIONS (FAQs) REGARDING TERM LOAN/ CASH CREDIT/ OVERDRAFT ACCOUNTS

22. SYSTEM SHOWING DB BALANCE LIMIT EXCEEDED DURING DEBIT ENTRY IN TM BUT
EFFECTIVE AVAILABLE AMOUNT IS THERE. WHAT IS THE REASON AND WHAT IS THE
SOLUTION?

Menu ACI-> Function I -> enter option ->S Press F4. If the value of the field Dr. Bal Limit is either
0.00 or less than the Bal o/s + Dr Tran Amt then system raises such error message. To rectify the same
Menu ACM->Function M->Enter Option S->Press F4 and update the Dr. Bal Limit suitably and Press
F4 and F10 to save the record. Get it verified by another user through ACM menu.

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 FREQUENTLY ASKED QUESTIONS (FAQs) REGARDING TERM LOAN/ CASH CREDIT/ OVERDRAFT ACCOUNTS

COMMON FOR TERM LOANS/ CC/ OD ACCOUNTS:

1. HOW TO MODIFY EXPIRY DATES IN LOAN/ LIMIT ACCOUNTS?

Expiry date of Limit/ Loan accounts can be modified through ACLHM menu. Invoke ACLHM menu and
select the function as M for modification. Furnish the Loan / limit account number and in the operation
field enter the value as S to modify the sanction limits. Press F4 and in the option field enter the value as
M and press F4. Now change the applicable date as BOD date and press F4. Now change the expiry date
and other dates / fields as per requirement. Press F4 and F10 to save and commit.

Get the modification verified by another authorized user. (For complete detail refer job card).
2. HOW TO OBTAIN TOTAL LIABILITY OF A CUSTOMER?

Option 1: - CUSTBALP menu option

It is in report form. Download the report through PR menu.

Option 2: To see all accounts of a particular Customer ID on screen:

Invoke ACS, give customer ID and press F4 to view on screen total debit balance & total credit balance.

3. HOW TO GET THE LIST OF ACCOUNTS WHERE THE LOAN/ LIMIT EXPIRY DATES FALL
BETWEEN GIVEN PERIOD?

Invoke the menu LLIR and give the scheme code and expiry period. In the tran/ value Date field enter T
and in the MRT file name press F2 and select the value as Limit expiry report . Press F4 twice and
generate the report which will give the list of accounts for the particular scheme code whose expiry period
falls within the given period.
4. HOW TO PRINT THE LIST OF NPA ACCOUNTS?

Option 1: Invoke menu ACSP, Press F6. In the second screen enter the main asset classification as 002
and press F4. To get the NPA accounts of only loan accounts in the second screen enter the value as
LAA in the field scheme type and press F4.This report will give balance outstanding at the time of
generation of report which will include charge off and claw back balances also.

Option 2: Invoke the menu PSBRPT and generate the report Loan 383. This gives the report of all NPA
accounts including TWO accounts. This report gives the details like Ledger balance, charge off amount,
claw back amount, net outstanding (under Difference column).
5. HOW TO ENTER FRESH SECURITY DETAILS AND INSURANCE DETAILS?

Security details and insurance details are to be entered through SRM menu. If a record has to be added
first time for an account then enter A in the function column and A in linkage type. Then press F4

In the next screen in Enter Option field enter A and press F4

Fill up fields like Collateral code, lien a/c id (in the case of FDR accounts), ceiling limit (this should be
equal to the sanction limit), margin percentage, due date, frequency, unit value, collateral val, prim/secnd
etc.. Ensure to give P (prime security) in prim/ Second field to consider it for drawing power. To
complete the process Press F4.

Now in the enter option type N and press F4 to enter the insurance details.

In the option field first type A and press F4 to add the insurance details.

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 FREQUENTLY ASKED QUESTIONS (FAQs) REGARDING TERM LOAN/ CASH CREDIT/ OVERDRAFT ACCOUNTS

This is a multi record screen. After filling up the details of one policy, press down arrow to enter the
details of second policy. After filling up the details of all policies, press F4 and in the option field enter
S and press F4 to come back to the main screen. Now press F10 to save the record.

Verify the record by another authorized user.

6. WHAT DETAILS CAN I CAPTURE THROUGH SRM OTHER THAN SECURITY DETAILS?

Following details can be captured through SRM menu:

- Charge details regarding charges filed with ROC

- Follow-up details
- Inspection / visit details
- Insurance details

7. HOW TO VERIFY THE PRODUCTS OF THE INTEREST APPLIED IN A PARTICULAR LOAN

ACCOUNT?

Invoke the menu AINTRPT and give the account number, scheme type, from date, to date

Change the value in the field Dr/Cr Interest to D

Select the MRT file name as acctIntRep.mrt and press F4

To check the correctness of the interest applied view the report through PR/ HPR menu which gives the
date wise product and interest amount.

8. WHAT ACTION IS REQUIRED IN FINACLE WHEN SUIT IS FILED AGAINST ANY BORROWER?

For recording information relating to suit filing, invoke TIPS1 menu and enter the value for the following
fields for the particular account of the borrower

SUIT/ DECREED CODE

SUIT/ DECREED DATE
SUIT FILED AMOUNT

A report of suit filed accounts can be generated through PSBRPT, Module Loan, Report 69. As the output
of this report is based on TIPS1, so update the field for all relevant loan accounts before generating the
report.
9. AT TIMES IN SUIT FILED CASES; WE NEED TO RECAST THE LEDGER WITHOUT PENAL
INTEREST OR AT SIMPLE RATE OF INTEREST. PLEASE ADVISE US THE MENU OPTION, IF
ANY, AVAILABLE IN THE CBS SYSTEM.

Recasting can be done in Finacle by resetting the interest rate through INTTM from account opening date
and selecting the desired flag in ACM for simple interest and penal interest. However, desired result can
be obtained only for accounts which are opened in Finacle since transactions are available since inception.
Recasting in migrated accounts cannot produce the desired result as system does not carry transaction
prior to migration date.
10. WHAT IS CHARGE OFF AND WHAT IS CLAW BACK?

Charge off refers to technical write off (TWO) amount and claw back refers to memoranda interest.

For detailed guidelines, please refer HOIT circular 51/2011 dated 21-12-2011 on procedure for handling
Technically Written Off (TWO) cases.

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 FREQUENTLY ASKED QUESTIONS (FAQs) REGARDING TERM LOAN/ CASH CREDIT/ OVERDRAFT ACCOUNTS

11. AFTER MIGRATION OF OUR BRANCH TO CBS IT IS OBSERVED THAT SYSTEM IS

CHARGING INTEREST EVERY MONTH IN NPA AND TECHNICALLY WRITTEN OFF (TWO)
ACCOUNTS THEREBY INCREASING THE LEDGER BALANCE WHEREAS WE DO NOT
CHARGE ANY INTEREST IN NPA AND TWO ACCOUNTS IN ALPM AND TBA BOSS SYSTEMS.
THIS IS A SERIOUS PROBLEM AS IT WILL INCREASE THE ADVANCES FIGURE AS WELL AS
PROFITABILITY OF MY BRANCH.

In terms of HO IT Circular 11/2011 dated 18/03/2011 and 51/2011 dated 21/12/2011 it has already been
advised that system will calculate and debit interest in all NPA and TWO accounts. However, the
corresponding credit is given to claw back account (profitability of the branch will not be affected). The
GL Sub head of the loan account and the GL Sub head of the claw back account is same thereby the effect
of debit to the loan account is netted off at the GL level and advances figure of the branch does not
increase. The advantage of following the practice is that liability of the borrower can be known at any
point of time with up to date interest.

12. HOW TO CHANGE THE REVIEW DATE AND WHETHER IT SHOULD BE PRESENT DATE OF
REVIEW OR FUTURE DATE OF REVIEW?

Menu> ACLHM, Function >M, put Ac. ID, Operation>S, Press F4. Option>M,
In the next screen enter the value for Applicable date and press F4. Now enter the value for the field
Review Date as the Next due date of Review (Future date). Update the other applicable fields on this
screen and Press F4 and F10 to save the record. Get it verified by another officer through ACLHM menu.

13. AN ACCOUNT HAS BEEN RECALLED. HOW TO RECORD THE SAME IN FINACLE.

It can be recorded in Finacle through Menu>ACLHM, Function>M, A/c ID, Operation>D, Option>M. In
the next screen update the A/C Recalled field as Y and press F4 and F10 to save the record. Get it
verified by another officer through ACLHM menu.

14. CAN WE LINK SINGLE DEPOSIT WITH MULTIPLE ODABD/ DEPLO ACCOUNTS?

NO.

15. SYSTEM NOT ALLOWED CLOSING OF ACCOUNT GIVING MESSAGE THAT ACCOUNT IS
LIEN MARKED. HOW TO UNMARK THE LIEN FROM THE ACCOUNT?

Menu > ALM > Function M > update the lien amount as 0.00. Press F4 and F10 to save the record and
get it verified through another user. ENSURE THAT THERE IS NO REVENUE LEAKAGE.

16. SYSTEM CHARGING EXCESS INTEREST. HOW TO CHECK THE INTEREST BIFURCATION?

Generate interest calculation report through Menu Option AINTRPT for the required period.

17. CAN I VIEW LOAN ACCOUNTS WITH BALANCE GREATER THAN ANY DESIRED AMOUNT
SAY > Rs.1.00 CRORE.

Yes, use ACS menu. Press Ctrl+X in the Min Bal field and enter 1.00 crore in the Max Bal field and
change the DR/Cr indicator field as D. Press F6 and enter LAA (for Term Loan accounts) in the field
Scheme Type. Now press F4. System will show all loan accounts whose current balance outstanding is
greater than Rs.1.00 Crore. Likewise scheme code can be changed to CCA (for CC accounts), ODA (for
OD accounts) to obtain list of accounts with balance greater than the desired amount for the respective
scheme codes.
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FREQUENTLY ASKED QUESTIONS (FAQs) REGARDING TERM LOAN/ CASH CREDIT/ OVERDRAFT ACCOUNTS

18. CAN I VIEW CLOSED LOAN/OD/CC ACCOUNTS DURING ANY DESIRED PERIOD?

Yes, use ACS menu. Enter Close Date Low & Close Date High and change Include Closed A/c flag to
Y. Press F6 and put Scheme Type LAA for Term Loan accounts, CCA for CC accounts and ODA for
Overdraft accounts. Press F4 will provide a list of all respective accounts closed during the Close Date
Low & High.

19. CAN I OBTAIN A LIST OF ANY SCHEME-WISE BORROWAL ACCOUNTS?

Yes, use ACS menu. In this menu select or enter the scheme code for which details are required and press
F4. System will show all the accounts with current balance under the given scheme code.

20. HOW CAN I VERIFY THE ENTRIES MADE IN THE ACCOUNT WITH VALUE DATED EFFECT?

Use FTI/ FTR menu. Keep the value for the field Todays tran only as blank. Enter the account number.
Enter start date and end date. Enter Y for the field Only value dated. Now press F4. System will show
all the value dated transactions done in the said account for the given period.

21. HOW CAN WE CHANGE, MODIFY, ADD, DELETE THE NAME IN LOAN ACCOUNT?

Use AALM menu to change the name of account holder. To add/ delete joint holders in a loan account
use ACM->Function M->Option A. Press F4. In the ensuing screen, press down arrow to add joint
holders. To delete the existing joint holders update the Del Flag as Y. Save the record and get it
verified.

22. WHILE MODIFYING SANCTION LIMIT DETAILS THROUGH ACLHM, WHAT IS THE
RELEVANCE OF APPLICABLE DATE?

For CC/ OD accounts: The system forces the user to put BOD date as the applicable date and the user
has no choice but to put the BOD Date.

For Term Loan accounts: In Term Loan cases, the user is free to put any previous date also. This should
be done only when the sanction terms desire so because in case any previous date is entered, the system
will re-calculate the interest for the new limit with effect from the entered Applicable date and adjusts
(debit/credit) the same on the next interest application date. This can be checked by generating report
through Menu option AINTRPT for the respective period. The branches are advised to manually handle
these adjustments in all such cases to ensure that there is no revenue loss to the Bank.

23. HOW TO MARK/ UNMARK AN ACCOUNT MANUALLY AS NPA/ PERFORMING?

For marking the account as NPA: Invoke MEAC menu and select the function as M for modification.
In List Mode enter A for accounts and in A/C ID field enter the 14 digit account number. Press F4. In
the next screen modify the Main User Classification as 002 and modify the Sub User Classification as
002 for Sub standard / 003 for Doubtful / 004 for Loss Asset as the case may be. Press F10 to save the
record. Get it verified through same MEAC menu.

Any unrecovered interest has to be transferred manually by debiting the respective Interest income
account and crediting the respective Claw back account.

In the same way Inland Bills / Foreign Bills also can be modified by selecting the proper list mode.

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FREQUENTLY ASKED QUESTIONS (FAQs) REGARDING TERM LOAN/ CASH CREDIT/ OVERDRAFT ACCOUNTS

For marking the account as Performing: Invoke MEAC menu and select the function as M for
modification. In List Mode enter A for accounts and in A/C ID field enter the 14 digit account number.
Press F4. In the next screen modify the Main User Classification as 001 and Sub User Classification
also as 001. Press F10 to save the record. Get it verified through same MEAC menu.

Before marking the account as performing, it should be ensured that CLAWBACK amount is NIL for this
particular account.

In the same way Inland Bills / Foreign Bills also can be modified by selecting the proper list mode.

24. IS THERE ANY PROVISION IN FINACLE FOR ISSUING NO DUES CERTIFICATE TO

BORROWERS AFTER ADJUSTMENT OF THE ACCOUNT?

Yes. This certificate can be issued through Menu option NOBL. Presently this option is available only for
closed Term Loan accounts.

25. HOW TO RECORD THE PARTICULARS REGARDING ACTUAL COD, EXTENDED COD AND
ACHIEVED COD WITH REFERENCE TO PROJECT LOANS?

Details regarding COD, Extended COD and Achieved COD with reference to project loans can be
captured through TPLM menu. All branches having Project Loans should update the records through
TLPM menu.

26. WE HAVE RESTRUCTURED LOAN ACCOUNT UNDER CDR. HOW TO CAPTURE THE
PARTICULARS WITH REGARD TO CDR REF DATE, PACKAGE APPROVAL DATE AND
PACKAGE IMPLEMENTATION DATE?

Details regarding restructured loan accounts under CDR/ other than CDR can be captured through TPLM
menu for the following particulars:

UNDER CDR OTHER THAN CDR

- CDR Ref Dt Recp Appl Dt
- Pck Appr Dt Pck Appr Dt
- Pck Impl Dt Pck Impl Dt

Other than this fill up the following fields in TIPS1 menu

- Rescheduled A/c
- Restruc. date

All branches having Restructured Loan accounts should update the records through TLPM menu.

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