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5GENERAL

.General FAQs.
1. Who is a captive user?
A "captive" user is one who can put through transactions affecting
the data of his SOL (branch) alone. He can also inquire into the
database pertaining to other SOL provided the menu he is invoking
is "free".

2. What is a work class?


First User Roles are created like clerk, officer, manager, auditors, etc.
User roles are further classified into work class.
Work class is created depending on the access rights to be given to each
user. In other words, work class of a particular user defines the access
rights that he can have for the menus in Finacle. There are certain work
classes, which will allow only database management but not to put
through transactions.
The user in the same designation can be assigned to different work class.
The users in the different designations can also be assigned to the same
work class.
For example, a work class with teller rights can only have access to cash
menus.

3. Who is a free user?


A "free" user is one who can put through transactions affecting the data of
his SOL as well as other SOL, provided the menu he is invoking is also
"free". It should be noted that the "free" user could put through
transactions affecting only the customer accounts of other SOL and not
office accounts. It should be remembered that even though the user is
"free", he couldn't access the database of other SOL if the menu is
"captive".

4. Give the workflow for creating a finacle user.


Invoke the menu EFM and fill in the details of the employee of the Bank.
Invoke the menu RPM to create user roles. Here you can either link the
scheme code or GL Sub Head code or Scheme Type to the role.
Invoke the menu UPM to create the user id for the employee and link the
user role created above.

5. Data centre has created the users for my branch during the migration
of the branch. What is the default password with which my users can
log into the system?
The default password is the PF number of the respective users. As soon as
the users log into the application for the first time, they will be forced to
change their password.

6. My user id is locked. What can I do?


In case the menu is locked and the user is not allowed to log into the
system again, then by going through the menu SAC we have to delete
(unlock) the user.

7. I am not able to log into Finacle application. What could be wrong?


Please invoke the menu UPM and check for the value in the field "User
disabled". If the value is "Y", modify it to "N".
Also please check for the value in the field "Account Expiry Date" in the
same menu. If the date appearing is prior to the current date, then change
it to some future date.

8. I was transferred from another branch where I had a Finacle user id


and password. Do I have to take fresh user id in the new branch?
There is no need to generate fresh user id.
If the employee is transferred to another SOL, the SOL of the user in the
system can be changed to the current SOL through the menu UPM.

9. I do not want certain users to access certain accounts. Can I restrict


them?
Users can be restricted from accessing certain accounts through the menu
AACM.

10. One of the users in the branch is going on long leave. I want to
disable the user for the period of leave. How can I do it?
Please invoke the menu UPM and give the date up to which you want to
disable the user in the field "User Disabled up to".

11. I am going on a long leave and I intend to ensure that my password is


secure during my absence. How can I ensure that my password is not
misused?
The user can lock his password through the menu PAPW for the duration
of leave.

12. I have identified certain users to perform teller duties. How do I


attach teller duties to a user?
The users can be assigned teller rights through the menu GECM.

13. Is it compulsory that the details of the employees are entered in the
menu EFM for creating that employee as a Finacle user?
Only those employees whose details are entered in this menu are allowed
to use the application.

14. I have to give the employee id for each employee in the menu EFM.
What should I input in this field?
Bank has taken a decision that the id for all the employees will be their PF
number preceded with two initials of the employee.

15. I have created a user id for my cashier in charge. But still he is not
able to access cash. What could have gone wrong?
Please check whether the field "Is emp head teller" has the value "Y". If
not modify his record and input "Y".
Another user will have to verify this record.

16. Today is a holiday but I want to work on Finacle. But the system is
not allowing me to log in and is prompting for another user to verify.
What do I do?
Any user can log into the Finacle application only if another user
authorises the login on any day marked as holiday in the SOL calendar
through the menu CTM.

17. One of the users is not able to post transactions involving my SOL and
another. What could be the problem?
Please invoke the menu UPM and check the value in the field "User
Tenor". If the value is "Captive" then the user will not be able to access
the database of another SOL. Modify it to "Free" and the user will be able
to post transaction involving two Sols.

18. Where is the expiry period of the password defined?


The period is defined in the field "Life of password" in the menu
HSCFM (General Details).

19. How do I change the Application Password (the second password used
during login process)
Go to background menu (click on background option) and use PWMNT
option to change your application password

20. Components of available balances are not known within an account.


How much is reserved by the system for clearing, how much is
floating, how much can be withdrawn by the customer?
 If you are in TM screen, use sub-option B in the middle part of the
screen and press Accept.
 If you are in ACM, go in Inquire mode, give account number and use
sub-option ‘M’ and accept.
 Alternatively, use HACCBAL/ACCBAL menu-option and specify the
account number for which you need the details.

21. I have opened an account under the wrong GL subhead code. How do
I rectify it?
Use TACBSH to change the GL-Sub-head code of the given account

22. How to find out the Joint holder names for Joint Accounts?
Use ACM option and use sub option - > A – Joint holders names

23. How to reverse the Proxy Transactions?


Use SPTR / SPTM option to reverse the proxy transaction

24. Cash is not balanced which reports to take to crosscheck the entries?
Use PTW and generate the report using option C- Cash Waste and
crosscheck the transactions or use FTI / FTR to check for particular
amount by giving tran-type as C-Cash and tran amt low and tran amt high.
Check for unposted trans, if any.

25. While closing the account system gives message ‘Interest not up to
date’?
Use ACINT option and do the interest run for this account.

26. Can I adjust part-amounts against single credit available in pointing


type of accounts?
Yes, you can go to additional details and pick-up the amount by selecting
the amount o/s.

27. Unable to print reports from Finacle, where to check?


 First check whether the IlinkWeb is active or not. If IlinkWeb is not
active, click on Ilinkweb.exe to activate the I-link.
 Check the printer status.

28. What is a part tran?


Each transaction consists of a debit leg and a credit leg. Each voucher in
each leg is knows as a “Part Tran”.
29. When does the system generate transaction serial number for the
transactions initiated by the users?
The transaction serial number is given after the transaction is committed
and the system accepts it. The system generates a serial number for every
set of transaction.

30. Whether the transaction serial number is SOL specific or Data Centre
specific?
The serial number is generated for all the SOLs in the data centre and they
are not SOL specific. The system refreshes the serial number every
working day.

31. What is an abnormal transaction?


Upper limits are set for amounts for each transaction like debits and
credits for each scheme type. Similarly upper limits are also set for debit
part tran of cash, clearing and transfer transactions. When the user puts
through a transaction above these limits, such transactions are called
abnormal transactions.
Abnormal transactions can be viewed through the menu ATI.

32. I am not able to post debit transaction in a particular scheme code.


What could be wrong?
It is defined whether a particular scheme allows only credit transactions or
only debit transactions or both. Please inquire for the particular scheme in
the menu GSPI. If it is not included, call data centre.

33. I am not able to post a transaction beyond a certain amount in a


particular scheme code. What could be wrong?
The upper limit for each type of transaction like cash, transfer and clearing
for both debit and credit is fixed. Please inquire for the particular scheme
in the menu GSPI. If the amount is to be modified, call data centre.
The upper limit for each type of transaction like cash, transfer and clearing
only for debits is also fixed for each user role in the menu RPM.

34. I am not able to enter a particular instrument type for a particular


scheme. What could be wrong?
The valid instrument types for each scheme is specified in scheme level
parameters. Please inquire for the particular scheme in the menu GSPI. If
an instrument type is to be added, call data centre.

BAC
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35. I am not able to post the debit transaction in a particular scheme.


What could be wrong?
The user has to check for the value in the field "Scheme Cr Dr Indicator"
using menu option GSPI.
The value "C" indicates that the credit transactions are not allowed in the
scheme.
The value "D" indicates that the debit transactions are not allowed in the
scheme.
The value "B" indicates that both credit and debit transactions are not
allowed in the scheme.
The value "Null" indicates that both credit and debit transactions are
allowed in the scheme.

36. How do I differentiate between the user created transaction and


system-generated transaction?
A transaction generated by the system will have the prefix “S” to the
transaction number generated.
A transaction created by the user will have the prefix “BI” followed by
the number.

37. Can I delete a system-generated voucher?


No. The user cannot delete a system-generated voucher. The user can
reverse the system-generated voucher using the menu HCRT.

38. The system generates certain transactions during the day. Do I have
to write the vouchers manually?
Instead of preparing manual vouchers for bank induced transactions, the
user can take a print of the voucher VCHR.
If the user wants the print of a single voucher he can go through the menu
TM (Advice Print) and if he wants a batch printing of vouchers then he
can go through the menu VCHR.

39. What are a "warning", "exception" and "error"?


Before accepting the transaction and giving the transaction serial number,
the system will validate all the exceptions defined in the application.
If the exception is defined as a “Warning”, the user can complete the
transaction by overriding the warning.
If the exception is defined as “Exception”, then the user who has sufficient
work class to override such exceptions alone can complete the transaction.
This is the same even in the case of system-generated transactions.
If the exception is defined as an “Error”, then no user can complete the
transaction and even the system generated transactions will not go
through.

40. While trying to post a transaction, I have encountered an exception.


How to deal with this?
The minimum work class, which is required to post an exceptional
transaction and the minimum work class, which is required to approve the
exceptional transaction, is defined in the menu EXCDM.
If the user having sufficient work class posts an exceptional transaction,
then the user who is having sufficient work class to verify an exceptional
transaction should verify the transaction.
If a user having sufficient work class to approve exceptional transactions
posts the same transaction, then the system will not prompt for
verification. The verification of exceptional transactions can be done
through the menu TEA. The user can inquire into the exceptional
transactions through the menu TEI.

41. What is the difference between entering, posting and verifying a


transaction?
There are three stages for completing a transaction, which can be
performed by the users depending on their work class. They are Entering,
Posting and Verifying.
At the stage of "E – Enter", no data is updated. The system will generate a
serial number for each part tran and is displayed in the screen at the top on
the right side.
At the stage of "P – Post", the data is updated.
The system will generate a tran id at the stage of entry or posting
depending on commit (F10) pressed by the user.
The stage "Verify" does not have any significance in Finacle as far as data
update is concerned. But it should be noted that unless all transactions are
verified, the end of day (EOD) couldn't be done.

42. Can all users enter, post and verify a transaction?


No. Depending on the work class they are associated, the users can either
enter & post or verify the transaction.

43. Can the same user do the entering, posting and verifying a
transaction?
No. A single user cannot do the entering, posting and verifying a
transaction.

44. Can the same user do the entering and posting of a transaction?
Yes. Depending on the work class some users can do only entering of a
transaction while some others can do both entering and posting of a
transaction.
45. A transaction has been entered by one user and posted by another
user. Does this require verification by the third user?
No. A transaction needs two users for its successful completion. When a
transaction is entered by one user, and posted by another user, the system
updates the verifier field with the user who has posted it automatically and
hence does not require verification.

46. How do I know whether a voucher is in entered, posted or verified


status?
The user can use the menu HFTI/FTI and query on the transactions. There
are various criteria on basis of which the system will display a report. If
the user clicks on any particular transaction in case of HFTI, the system
will display the full details of that particular transaction. In the case of
FTI, the user will have to select the transaction and press CTRL + E to
explode the transaction.

47. Can the same user do the posting and verifying of a transaction?
No. A single user cannot do both the posting and verifying of a
transaction.

48. I have wrongly posted a part transaction by pressing P and F4 but


I have not yet committed/saved the transaction. How can I set it
right without redoing the whole exercise?
Use sub-option ‘R’ in the same place where you had used ‘P’ option while
posting; now press F4 (Accept key). The part transaction will come back
to unverified / unposted state. It will be reset.

49. How to see who has created / modified / posted / verified and
time when the transaction was posted?
Use TM option and in the sub-option give O-Other part-tran inquiry and
press F4 to know the details

50. When posting a transaction system gives error “Additional details not
entered”?
Use TM – sub-option – A – Additional details screen, enter the additional
details and then post the part-tran

51. What is the difference between a back dated and a value dated
transaction?
In a back dated transactions the GL gets updated from the back date given.
In a value dated transactions the GL does not get updated as on the value
date but will have an affect only for the calculation of interest as of the
value date even if the interest is already calculated for the account.
52. How do I go about putting through a value-dated transaction?
The user can put through a value dated transaction.
The user can input the value date in the " value date" field in the menu TM
or in other menus while entering/posting the transaction. On committing
the transaction, the system will display the message to the affect that it is a
value-dated transaction.

53. I have a future dated instrument on hand.Can I enter it in the system?


A facility is provided for entering the future dated instruments through the
menu PTM.The user should note that he could only "enter" the transaction
but cannot either "post" or "verify" the transaction.

54. Can I put through a transaction between two customer accounts


across two SOLs?
Yes. It is possible to put through a transaction between two customer
accounts across two SOLs, provided the user is a "Free User" and the
menu invoked is also "Free".

55. I am a user in Bangalore Branch. I want to put through a transaction


debiting a customer's account at Mumbai Main branch and crediting
another customer's account at Chennai. Is it possible?
Yes. It is possible to post the transaction if the user is "free" and the menu
invoked is also "free".

56. Can I put through a transaction between one customer account and
one office account across two SOLs?
In the menu ACMDB, if the value in the field "Tran from other Sol
alwd" is "Y" then the user can put through transactions into an office
account of the other SOL.
And if the value is "N", it is not possible to put through a transaction BAC
between a customer account in the primary SOL and an office account at K
the other SOL. But it is possible to put through a transaction between an
office account at the primary SOL and a customer account at the other
SOL. In other words, even a "Free User" cannot access the office account
in another SOL.

57. I have to put through around 500 transactions crediting various SB


accounts across various SOLs. How can I do this?
The user can either post the transactions by uploading through floppy in
the menu TTUM or TTUMP. The transactions encountering any
exceptions or errors will not be uploaded. All the scheme level and
account level validations will be done by the system. The system will give
a report of successful and unsuccessful transactions.
The user can also invoke the menu BTP to post all the part trans in one
shot. The user should invoke this menu with caution since he will not be
in a position to view all the part trans before committing to post. The
system will automatically generate a report giving all the part tran details.

58. I have one set of transactions consisting of various instruments


pertaining to same account. Do I have to post details of all the
instruments individually every time?
The user can invoke TM menu and give "C" in the "Option" field.
The system will copy the first voucher entry any number of multiple
times.
The cursor will permit to modify the account number and the amount.
The other leg of cash account (Dr or Cr) gets automatically updated with
the balances.
The cash leg of the transaction cannot be copied.
While resorting to "copy" the system will not take the user to additional
detail screen even if the information is required.
In the case of office accounts the user can invoke TM menu and give "S".
The system will do the above.

59. Through which menu can I enter, post and verify a transaction?
All transactions except for clearing are entered, posted and verified
through a single menu TM. Inward clearing transactions are
posted/verified through ICTM menu and outward clearing transactions are
posted/verified through OCTM.
Cash receipts can also be done through the menu HCASHDEP.
Cash payments can also be done through the menu HCASHWD.
Transfer transactions can also be done through the menu HXFER. BAC
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60. I want to delete a part tran in a particular set. How can I delete?
The user will have to invoke TM menu, give the transaction serial number
and "D" in the "Option" field. The system will delete the particular part
tran provided it is still in "entered" status.

61. I have "posted" a transaction in a wrong account. Can I cancel the


same?
When the transaction is in "P - Posted" stage, the data base is updated.
Hence deletion and/or modification is not allowed.
But if the user chooses, he can reverse the posted transaction through the
menu HCRT. This facility is available for the scheme types SBA, CAA,
CCA and ODA only. For any reason, if the system does not allow the
reversal, the user has to pass the vouchers manually through the menu TM
and invoke HCRT for marking the transaction as reversed.

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In case of transactions pertaining to office accounts, there is a facility to
delete even the posted transactions.
The deletion can be part tran by part tran and the entire set cannot be
deleted at one go even if the entire set pertains to office accounts.
The deletion can be in respect of only current day’s transactions.
If the office account is a Head Office Account then the transaction cannot
be deleted.
This deletion of transactions can be done through the menu TD.

62. I want to delete the full transaction set. How can I delete?
The user will have to invoke TM menu and give "D" in the "Function"
field and the transaction serial number. The system will delete the entire
set provided it is still in "entered" status.

63. I have "entered" a transaction in a wrong account. Can I cancel the


same?
When the transaction is in "E – Enter" stage, then only deletion or
modification is allowed.

64. A transaction has been posted in a wrong account and it is also


verified. Can I cancel the same?
No. The transaction cannot be cancelled.
But a posted transaction can be reversed using the menu HCRT.
If for any reason reversal is not possible then the user will have to use TM
menu and pass the reversal vouchers manually and then mark the original
transaction as reversed through the menu HCRT. BAC
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65. I have put through a transaction some time back. Now I require
modifying the particulars of that transaction. Is it possible?
The user can change the remarks of any transaction, even back dated, if he
wants to. The user will have to invoke the menu TD and go for
modification mode. The user will be able to change the particulars,
remarks, etc of the transaction.

66. How do I post a transaction, which is denoted in foreign currency?


The user will have to post the transaction through the menu TM.
In case of cross currency payment and receipt transactions, the user will
put through all the part trans and the transaction will not be in a balanced
status. For example Dr. Account No1 (INR) RS 4000 and Cr Account No
2 (USD) 100. In order to balance the transaction, the system automatically
creates some additional transactions affecting trading accounts (position
accounts) for balancing the user created transaction set. Once the user
created transaction is posted, these system created transactions also get
posted. The following examples will enable the user to understand the
transaction creation
Example For currency involving home currency and one other
currency:
User Created Dr Customer Account INR 4000
Cr Customer Account USD 100
System Created Dr Trading Account USD
100
Cr Trading Account INR 4000

For currency involving home currency and more than one other currency:
User Created Dr Customer Account USD 100
Cr Exchange Account INR 4000
User Created Dr Customer Account INR 4000
Cr Exchange Account GBP 50
System Created Dr Trading Account INR
4000
Cr Trading Account USD 100
Dr Trading Account GBP 50
Cr Trading Account INR 4000

For cross currency transactions visit the "amount" field in the TM menu
and explode. It will display the block for doing data entry of currency
received and the rate to be fed. The user will have to give the currency
code, currency amount, and rate code. On feeding the rate code, the
system, by default, picks up the latest rate for that currency pair from the
rate table. If it is not the latest rate, the system will display a warning.
The user can modify the rate displayed.
BAC
67. In an account there is some amount on which lien is marked. While K
posting a transaction I find that the balance is insufficient and I want
to release the lien so that I can complete the transaction. How do I
release the lien on the earmarked amount?
To release the lien on earmarked amount the user can give "W" in the
"Option" field in the menu TM and press F4.
The user can release the lien marked in the account in case of insufficient
balance.
The release of lien can be for a part amount also.
The availability of the option depends on the work class.

68. I have debited the customer's account for charges and I have to send
an advice to him. How can I print the advice?
The user can print the transaction advice through the menu
HADVC/ADVC.

69. While uploading transactions through floppy, will the transaction be


in "entered" or "posted" status? Does this transaction require
verification?

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If the user uploads the transaction through the menu TTUM, the
transactions will be in entered status and he will have to post every part
tran individually or invoke the menu BTP for bulk posting.
If the user uploads the transaction through the menu TTUMP, the
transactions will be posted status. The transactions encountering any
exceptions or errors will not be uploaded. All the scheme level and
account level validations will be done by the system. The system will give
a report of successful and unsuccessful transactions.

70. I want to inquire into the transactions that are reversed. Where can I
get this?
The user can inquire into the transactions that are reversed through the
menu HFTI/FTI.

71. What is type/sub type I should use while transferring cash from vault
to teller or from one teller to another?
C/CT – Type/subtype is used for Cash Transfer for internal transfer of
cash, like from the vault to different tellers and vice versa.

72. I want to inquire into the transactions put through in an office


account, which is pointing type for reconciling the account. How can I
do it?
The user has to invoke the menu HOIT and give the criteria for selection.
If the user clicks on the red coloured icon, the system will display the
details of the original transaction and if he clicks on yellow coloured icon,
the system will display all the reversal transactions.

 Following are some of the useful tips for the convenience of the
user.

 After opting for the Function A or M in the TM menu, from the


account id field the user can explode by pressing CTRL E to get the
additional details of the account.

 In the date field in any screen, press CTRL X to get the current date.

 In the amount field in any screen, press CTRL X to get the maximum
amount defined by the application.

 While posting cash receipts or cash payments, in the amount field in


ONS menus the user can type 3C for 3,00,00,000.00, 2L for
2,00,000.00, 4T for 4,000.00, 3.54C for 3,54,00,000.00 etc.

 For cross currency transactions come to the amount field in the TM


menu and explode. It will display the block for doing data entry of
currency received and the rate to be fed.

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 Type the short name in the account id field in any screen and press F2,
you will get the list of all accounts under that short name. This will
make selection of account id easy.

 In which ever menu the user finds “V – Verify” in the field “Function”,
then the operations in that menu requires verification or else it does not
require verification

73. How do I post a cheque for cash payment in an account?


The user can either invoke the menu TM or HCASHWD for making cash
payment.
In case of normal payment transaction, the user will put through only one
leg of the transactions, namely debit. The system will automatically put
the other leg of the transaction crediting the teller cash account.

74. How do I make cash payment through the menu HCASHWD?


This menu can be used only for withdrawing the cash from
SBA/CAA/ODA/CCA/OAB scheme type of accounts.
The user has to first invoke the menu HCASHWD.
If the transaction is for a single account, the user has to enter the amount
and click on "Go".
If the transaction is for multiple accounts, the user has to enter the total
amount for all the accounts and click on "Go".
Give the account number and amount to be paid from that account. If
there are more than one account, then the user will have to click on "Next"
and enter the subsequent accounts and their respective amounts. Once the
amount is tallied, the user has to click on "Submit" to create the
transaction. The transaction created will be in "posted" status.
If the user wants to create TOD while making cash payment, he will have
to click "Grant TOD". For this the user should have sufficient work class
for creating TOD.

75. How do I accept a cash receipt to the credit of an account?


The user can either invoke the menu TM or HCASHDEP for making cash
receipt.
In case of normal receipt transaction, the user will put through only one
leg of the transactions, namely credit. The system will automatically put
the other leg of the transaction debiting the teller cash account.

76. How do I accept cash receipt through the menu HCASHDEP?


This menu can be used only for depositing cash into
SBA/CAA/ODA/CCA/OAB scheme type of accounts.
The user has to first invoke the menu HCASHDEP.
If the transaction is for a single account, the user has to etner the amount
and click on "Go".
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If the transaction is for multiple accounts, the user has to enter the total
amount for all the accounts and click on "Go".
Give the account number and amount to be deposited into that account. If
there are more than one account, then the user will have to click on "Next"
and enter the subsequent accounts and their respective amounts. The
system will allow till the part tran amounts tally with the total amount.
Once the amount is tallied, the user has to click on "Submit" to create the
transaction. The transaction created will be in "posted" status.

77. What are the valid sub types for a transfer transaction?
The valid sub types for a transfer transaction are as below:
IP – Interest Paid
SI – Standing Instruction BS – Bank Induced S I
SC – Service Charge CI – Customer Induced
BI – Bank Induced AR – Account Revaluation
BT – Back Office Transaction EO–ECSOutwardTransaction
EI – ECS Inward Transaction

78. I want to do a transfer transaction in an account. How do I proceed?


The user has to post the transfer transaction through the menu TM or
HXFER.
In respect of transfer transaction, the user has to enter both debit and credit
transactions and also has to ensure that the set is balanced.
Posting of a transaction is not possible until the debit amount and credit
amount is matched.

79. How do I do a transfer transaction through the menu HXFER?


 This menu can be used only for transfers relating to
SBA/CAA/ODA/CCA/OAB.
 The user has to first invoke the menu HXFER.
 The user has to give the transaction sub type and click on "Go".
 The user has to enter the details of all the part trans. The system will
always take the first part tran as debit and the next as credit. The user
will have to click on "Next" to enter the details of all the part trans.
After all the part trans are entered, the user will have to click on
"submit" to create the transaction. The system will create a transaction
only if the transfer set is balanced.
 The transaction created will be in "posted" status.
 If the user wants to create TOD while entering debit part tran, he will
have to click "Grant TOD". For this the user should have sufficient
work class for creating TOD. BAC
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80. How do I know whether a transfer set is balanced or not?
In the menu TM, the user will have to give U in the "Option" field and
press F4 to view the transaction and to know whether the transfer set is
balanced or not.
The view displays only the consolidated debit and credit amount and
individual transaction details are not given.
To get the individual transaction list, the user will have to give "L" in the
"Option" field in the menu TM.

81. I have posted a transfer set. Now I find that one part tran is wrongly
posted. How can I rectify this?
A posted transaction cannot be cancelled/deleted but it can be reversed
using the menu HCRT. One part tran in a transfer set can also be reversed
through this menu.
If for any reason reversal is not possible then the user will have to use TM
menu and pass the reversal vouchers manually and then mark the original
transaction as reversed through the menu HCRT.

82. While entering a transfer set I want to come commit the unfinished set
and come out of the menu. Is it possible?
A transaction can be committed even if the set is not balanced, i.e.,
unfinished so long as the user is only entering the set and not trying to post
it.

83. A chequebook has been issued to a particular account. The regular


officer who normally verifies such an issue is on leave. What can I
do?
Please invoke the menu UPM and check in the field "Auth User" where in
an alternate authority will be mentioned. This authority can verify the
issue of chequebook during the absence of the regular person.

84. I have posted a cheque in a customer account. Later I had reversed


the transaction. What will happen to the status of this particular
cheque?
When the user reverses a transaction through the menu HCRT, the system
will automatically change the status of the cheque from "paid" to
"Unused". If, at the time of reversal of transaction through HCRT, the
system does not update the status of the cheque, it will display appropriate
message. The user will have to invoke the menu UCS and modify the
status of the cheque.

85. I have received a court order for freezing the payments in a particular BAC
customer account. How can I ensure this? K
Please invoke the menu AFSM and give "F" in the "Function" field. This
option allows you to freeze or unfreeze all accounts of a customer, change
the freeze reason code and the freeze code of accounts that have already
been frozen using this option.
If the user wants to freeze at the customer level, user will have to give the
customer id and if he wants to freeze only one or few accounts of a
customer, he will have to give the account id.
All the accounts under the selected customer ID will be displayed and you
can select/Deselect the accounts by pressing Down Arrow key + Shift F4.
This will require verification by another user.

86. I was moving an inventory from one location to another location. The
record is created but it is in entered stage. I do not remember the
record number that was shown to me after entering the record. How
to get that number so that it can be verified.
Use option IMR and the filtering criteria ‘E’ to find the inventory
movement records that have been “Entered but not verified”.

87. How to authorize the inventory when the inventory authorizer is on


leave?
The user-id, which is mentioned as auth-id in UPM, can also authorize the
inventory password in absence of the original authorizer

88. Through which menu can I inquire into the transactions in a pointing
type office account?
The user can inquire into the transactions in a pointing type office account
through the menu HIOT.

89. Should the transactions routed through intersol office accounts


require being reconciled?
When transactions take place between SOLs, the cashbook of the
particular SOL cannot be balanced unless the transactions between the
SOLs are reconciled. The branch that initiates a transaction between
service outlets is called the initiating SOL and the other service outlet/s are
called participating SOLs. One of the participant SOLs or a third SOL can
initiate transactions. In case the initiating SOL is also a participating
SOL, the reconciliation is a simple reverse transaction between the two
SOLs. In case the initiating SOL is a third SOL, reconciliation is between
the initiating SOL and both the participating SOLs.
The RIST option is used for Inter SOL (ISO) reconciliation. This option
should be executed before the ABH menu option is executed.

90. What is the workflow for creating an originating transaction in an


office account of head office type?
 Type TM in the Menu Option and press [Enter]. The Transactions
Maintenance screen is displayed.
 Type A in the Function field of the Transaction Maintenance screen.
Enter the Type/Subtype field and press F4.
 Specify the A/c No and the Amount involved in the transaction.
 Specify the Part Tran. Type. (To access this field, enter the Amount BAC
and press F4). Enter other general details on this screen. K
 The default value displayed in the Visit Screen field depends on the
HO account and the part transaction type you specify.
 Enter the appropriate values in the Function field and press F4. The
Implicit Part Tran Details screen is displayed. The service charges
calculated by the system are displayed but they can be modified.
 The cursor is positioned on the Actual Amount field of commission
charges, on the bottom line of the screen. Enter the amount you want
to charge for this part transaction and press F4. This amount is now
reflected in the Actual Amount field on the top of the screen.
 Press F4. The Originating Tran Details screen is displayed with the
cursor positioned in the Data field. Specify appropriate values in the
fields here and press F4. The Transaction Maintenance screen is
displayed.
 Press F10. The Post Commit Details screen is displayed.

91. What is the workflow for reversing an Originated or Responded


Transaction in an office account of head office type?
 Type TM in the Menu Option and press [Enter]. The Transactions
Maintenance screen is displayed.
 Type A in the Function field of the Transaction Maintenance screen.
Enter the details of the transaction to be reversed.
 Give the value "X" in the visit screen field and press F4.
 Give the account number that has been entered in the Transaction
Maintenance screen.
 Give the name of the account that has been entered in the Transaction
Maintenance screen.
 In the field "Original Tran Prior To" a default date is displayed. If the
original transaction occurred earlier than this date, enter "Y" here or
else "N". If "Y" is entered, entry in all the fields except the Original
Tran Id. field is mandatory. If "N" is entered, it is mandatory to enter
only the Originating / Responding field.
 In the field " Originating / Responding", specify whether the
transaction is originating or responding.
 In the field "Advice Number", give the advice number of the original
transaction that is being reversed.
 In the field "Bank Code" the code of the bank on which the transaction BAC
was initiated - for an originating transaction; or the responding bank K
for a responding transaction is to be given.
 In the field "Branch Code" the code of the branch on which the
transaction was initiated - for an originating transaction; or the
responding branch - for a responding transaction is to be given.
 In the field "Extn. Cntr Code", give the code of the extension counter
of the branch on which the transaction was initiated - for an originating
transaction; or the responding extension counter - for a responding
transaction.
 In the field "Category Code", the category to which the original
transaction belongs is to be furnished here.
 In the field "Original Tran Id", give the Transaction ID of the original
transaction.
 After entering valid data in the above fields, press F4 to accept.
 The Transactions Maintenance screen is displayed with a list of all
transactions satisfying the specified criteria. Select the appropriate
transaction.
 In the field "Create contra?" field indicate whether a contra transaction
has to be created or not and press F4.
 If the "Default Contra A/c No" field has not been defined for the
relevant category code, then the user will have to enter the contra
account number.
 Press F4 to accept. The initial Transaction Maintenance screen is
displayed.
 The user can view additional details of the selected transaction by
selecting the Additional Details (A) option in the field "Specify
Option" and pressing F4. This will display the transaction details
screen.
 Press F10 to commit and to complete the reversal procedure.
A reversal transaction cannot be modified. If modification is required
the transaction must be deleted and re-entered.

92. Inward Clearing is not balanced. Which reports to take to crosscheck


the entries?
Use PICS/PTW and generate the clearing report and cross-check the
transactions.

93. I try to print a DD, it says, “inventory not in user location”.


Please use option IMC in consultation with your officer to get the
inventory moved from (DL) to your location (EM) within the system. BAC
K
94. I cannot issue a particular cheque book or DD book that is physically
available with me but I do not know within the system this inventory
is at which location or in which user’s location?
Use ISIA option and specify the inventory number available with you. The
output will tell you the name of the location where the inventory is
captured within the system.

95. How to issue a duplicate DD?


Use DDLOST option to mark the DD status as L-Lost and do DDD to
Issue a duplicate DD.
96. How to pass entry to DD account without creating a DD for printing,
i.e. rectification entries to DD account?
Use DDT menu option

97. How to find the AOD number for an AOD printed on given date?
Use HOCIP and give the following inputs and get the report
Ho.Tran Type as – O – Originating, Give bank / branch code and Tran date
range.

98. Standing Instruction is not getting executed


Reason for this may be
 Insufficient balance in the debit operative account at the time of
execution of SI
 Exceptions in the Transactions while executing the SI

99. Wrong next execution date set in standing instruction. What to do?
 Check whether any transactions are in entered status for the said
account and post if the same is available
 When no transaction is created check the SI parameter in HSSIM
option
 If the next execution date is less than today’s date make the same
tomorrow’s date (if execution time is during BOD) so that the same
gets executed during the next BOD.
BACK
100. How to find out all the standing instructions given by a customer and
captured in Finacle?
 Go to CUMM give the cust-id and use sub-option S - to know all the
standing instruction pertaining to this cust-id.

101. Give me the workflow for end of day activities of a SOL.


The user will have to:
 Reconcile the intersol transactions through the menu RIST.
 Check if there are any pending jobs that are to be completed for the
day through the menu SOLVAL.
 Initiate the closing operations in the SOL through the menu CSOLOP.
 Finally check the status of the SOL through the menu SOLSTAT.

102. What are the checks the system does during the process of SOLVAL?
The following error checks will be done by the system:
 1-Checks if all transactions initiated by the SOL are posted.
 2-Checks if all transactions initiated by the SOL are balanced.
 3-Checks if any inter sol transactions initiated by the SOL are pending.
 4-Checks if all cash and transfer transactions have been closed. If the
cash and transfer transactions are not closed, system will close them.
 5-Checks for DD number is less than the DD number warning level
 6-Checks for any transaction against unverified accounts.
 7-Checks if EOD date is greater than the system date (cannot be
greater than system date).
 8-Checks if any caution holiday is marked for the SOL and also for
data centre.
 9-Checks for any user logged into the application.
 10-Checks if all transactions initiated by some other SOL on this SOL
are posted.
 11-Checks if all ISO trans initiated by some other SOL on this SOL are
pending.
 12-Checks for unverified transaction - (If defined in HSCFM).
 13-Checks for unposted inventory transactions - (If defined in
HSCFM)
 14-Checks for outstanding modifications (Pending authorisation) - (If
defined in HSCFM)
 15-Checks for outstanding verification of bills – (If defined in
HSCFM)
 16-Checks for inward clearing zone in unclosed status – (If defined in
HSCFM).
 17-Checks for outward clearing zone in open or suspended status – (If
defined in HSCFM).
 18-Checks for SI execution pending – (If defined in HSCFM). BAC
 19-Checks for unprinted DD – (If defined in HSCFM) K
 20-Checks for unprinted TDR – (If defined in HSCFM)
 21-Checks for unverified proxy transactions – (If defined in HSCFM)

103. I want to do "end of day" for the SOL. But I find certain transactions
are still in "entered" status. How do I proceed?
 At the end of the day, if there are any transactions in the entered status
it is not possible to do the "end of day" activities.
 In such cases, the user has two options either to post the transactions or
delete the transactions.
 The user can either post the transaction through the menu TM or delete
the transaction that is in "entered" status through the menu TM/HDTE.
 But at the end of the day, if there are any transaction sets where some
of the part trans are in "posted" status and some other are in "entered"
status then the user cannot delete such transactions.
 The user may have to resort to proxy posting of such transactions,
which can be done through the menu PPT.
 The user can also invoke TM menu and give "Y" in the "Option" field
for doing the proxy posting.
 The user can do proxy posting only if it is allowed in the field "Proxy
posting" in the menu HSCFM (General Details).
104. Through which menu do I have to proceed for completing "end of
day" for the SOL?
The user can use the menu CSOLOP for proceeding with the end of day
activities for the SOL.

105. While proceeding to do CSOLOP, I find there are so many entries


which are in entered status. I intend to delete them. Do I have to do it
one by one?
If the user decides to delete all the transactions that are in entered status at
one go, he can do so through the menu HDTE. However, before clicking
on "submit", the user is advised to go through all the transactions that are
in entered status and satisfy himself that they are necessarily to be deleted.

106. I want to proceed to do CSOLOP of my SOL and I want to ensure that


no user is able to put through any transactions. How can I ensure?
 The application provides a facility to stop all the transactions by any
user. There are various menus with various purposes, which are as
follows:
 The user can stop the cash transaction through the menu SCST and the
transfer transaction through the menu SXFT. In both the cases, the
user is allowed to post, modify, verify and delete the existing BAC
transaction but will not allow him to add any new transaction. K
 The user can also close the cash transaction through the menu CCST
and the transfer transaction through the menu CXFT. In both the
cases, the user will not be allowed to add any new transaction and they
also cannot modify or delete the existing transaction.
 The menus can be invoked only before initiating the CSOLOP.

107. I have closed the transactions in order to initiate CSOLOP. But I


need to reopen to post certain transactions. Can I do it?
The user can open the system for transaction through the menu OCST for
cash transactions and OXFT for transfer transactions.
These menus are automatically invoked by the system during the ISOLOP
operation.

108. I have initiated CSOLOP of my branch. Can the users still put
through the transactions?
Yes. The users will be allowed to put through the transaction even if the
CSOLOP is initiated. But once the CSOLOP is completed successfully no
user will be allowed to put through any transactions nor complete the
existing transactions.
109. Do I have to take up backup of SOL data on the completion of
CSOLOP of my SOL?
There is no need to take any backup at the SOL level. The backups are
taken at the data centre for the entire database.

110. The system is not showing some of the accounts in the debit balance
report.
The report is a part of EOD and hence the data at the time of day end is
fetched for generation of this report. In case you want this report urgently,
you may generate it after CSOLOP is completed for the day or at the time
of day begin of next day.

111. How to find the account balance of a particular customer ID.


Use CUSTBALP menu option.

112. While generating statement of account through PSP menu option the
report is generated blank.
Go in ACM menu option for modification of the concerned account. Select
sub-option 0, 2nd page. Change the local calendar field as N and save.
Verify the record and generate the report.

113. Which menu option should be used to know total deposit for a
customer? BAC
User menu option ACMP. K
114. What is the menu option for interest certificate for the deposit
customer?
Use menu option INTCERT.

115. Wrong entries done in outward clearing are in verified status. How to
rectify this?
Open a new zone with similar latency period. Transfer this particular set to
the new zone using menu option TROFSETS. Delete the entry from the
new zone. Enter proper records in the correct zone.

116. How we can get the list for the teller a/c which are assigned in our
branch.
Use GECM menu option. In function List give the sol id & then press F4.
System will generate the list.

117. An employee is deputed to our branch for a temporary period. We


want to extend his period in our branch.
Use menu option HUPM and extend his account expiry date as future date.
Verify the modifications.
118. In TM we are debiting some account and crediting HO account.
System gives instrument not valid for the credit part transaction.
For credit part transaction enter instrument type as VC.

119. How to undelete the deleted user id?


In menu option HUPM, select the function undelete and enter the user id.
Verify the record after undelete is completed.

120. What to do when one user is absent & we are transferring the
inventory from his/her location?
First see that authoriser ID for the person who is absent. The user ID of the
absent person can be replaced by the authorisers user ID to complete the
transfer. The password of the authoriser will be accepted by the system.

121. I want to assign another user as a head cashier in place of our regular
head cashier.
In EFM menu option change the field "is emp a head teller" as Y for new
user and N for existing one. Also increase the work class in HUPM for the
new head cashier.

122. How to change the SOL ID of the user who is transferred to other
branch?
Use menu option EFM, modify the details of the related employee ID by BAC
changing the value for the SOL ID. K
123. I am not able to verify the standing instruction through the menu
option SIM.
Go to SIM menu option. Visit the debit & credit part transactions by
putting down & up arrow key and save the record by pressing F10.

124. Transaction maintenance is giving the warning as memo pad exists.


While working in TM menu option, when you are getting this warning,
press CTRL + F9 and see the details why the memo pad is created.

125. Is there any provision to print particular pages of a report?


After report generation go to PR menu option. Keep cursor on that record
and give CTRL + E twice on it. It will save the soft copy to
C:\FinacleFiles. Select print file and print a page.

126. We want to view the standing instruction for a particular customer


ID.
Go to menu option SII and inquire by giving the related customer ID.
127. How to find when a particular day's outward clearing was released/
regularised.
In MCLZOH menu option transaction ID is created that gives date of the
transaction when the clearing is released. To find the date of regularization
press CTRL + E. That gives the date of transaction modification which is
the date of regularisation.

128. We have paid the demand drafts drawn on us in Finacle through TM


menu option by debiting the drafts payable account. The advices of
drawings are also received by us. How to account for these advices?
Use DDT menu option and credit the DP account.

129. How to deal with Outward clearing zone partially regularised?


Due to some exception transaction may remain in entered status while
released to shadow balance. This has to be taken care through TM and the
transaction should be fully posted. Try regularizing the zone again after
this.

130. How to cancel a pay slip which was issued in Finacle?


Use menu DDC. Give transaction ID, part transaction detail & issue date
for cancellation.
BAC
131. How to change the authoriser ID for the inventory location DL/DL? K
Use menu option IMAUM to change the authoriser ID.

132. How to generate a report for debits allowed against clearing effects?
Use menu option EXCPRPT. Give the exception code GE5 and “on or off
set” as A and exception type as F for financial transactions.

133. How to cancel pay slip issued prior to Finacle.


Go to DDT menu option and debit PSI account and credit it to the
customers account. Verify transaction in TM after giving remark for PS
no.

134. Can I regularise today the outward clearing zone 06 that is released
today?
This is not possible. Only high value clearing zone can be released &
regularised on the same day. Zone 06 is not a high value clearing.

135. A/c has been closed prior to migration and a cheque for the account is
presented in inward clearing. How to deal with the return?
In place of the closed account enter some office account and mark a reject
of the same.
136. How to change my password without the system prompting for the
same?
Click on background menu. Enter PWMNT in select field. Press F4
system will take you to password change option. Put your existing
password, press F4, put new password and repeat for confirmation. Press
F10 to save.

137. I want to reverse the stop payment charges taken by the system.
Once the transaction is posted you need to manually reverse the
transaction through TM. However, for stop payment charges while
entering the stop payment instruction in option field enter C, press F4 and
edit charges displayed by the system.

138. We want the financial transactions report for amount above 10 Lacs
in cash.
Use menu option FTR, give transaction type as C, low amount as Rs. 10
Lacs, date for which you want to generate the list. After getting the list
press F4 once again to take a print.

139. How to check if a DD is printed or not?


Use menu option DDPALL Give the date. System will list all the
unprinted DD’s for the date.

140. How to split the cheque book inventory? BAC


Use menu option ISI with function S- Split. Press F4. System will generate K
the list of inventory available at employee’s location. Select the inventory
you want to split by pressing SHIFT + F4. Specify no. Items per unit and
no. units and save by pressing F10.

141. How to download BDS data?


Use menu option BDSDL. System will prompt for path; enter path where
you want to download.

142. Want to download ALM in floppy.


Use ALMDL option.

143. I want to know the cheque no for which stop payment is entered but
not verified.
Use menu option AFI, give the account no and authorised flag as N.
System will give the unauthorised record with respect to account, you will
come to know the cheque no from the given list.

144. How to mark holiday?


Use menu option CTM then modify it. Mark a day as holiday.
145. Can I give series of cheques for stop payment?
While marking stop payment it will ask you begin cheque no. and no. of
leaves.

146. While debiting HO account and crediting GENSUS account it is


asking for additional detail. How to enter the transactions?
While putting the transaction for HO account you need to specify in the
visit screen field if it is an originating or responding entry and put the
additional details accordingly. For GENSUS account also you need to
specify the original transaction being reversed. For this in additional
details put start amount and end amount as blank. Press F4. Select the
entry to be reversed with SHIFT + F4. Press F4 and complete the
transaction.

147. An instrument is received in inward clearing that is not listed or a


listed instrument is not received by us. How to deal with this
situation?
Enter the Bar amount as actually received by you. Enter the instrument
normally in ICTM. System will automatically show in MICZ second
screen (Statistics) as excess claim or short claim as applicable. You need to
settle this claim in the respective accounts manually.

148. We issue DD/Pay Slips against cheques issued by the customers, where
the cheques are issued for the total amount of remittance and BAC
commission/ exchange. In case the cheque is for short or excess K
amount how to adjust it?
Use DDCALC/ PSCALC option to calculate the exchange/ commission
for the remittance amount and obtain the cheque for the total amount so
calculated. In case the cheque is drawn for excess/ short amount, then in
TM add a part transaction to refund/ recover the balance amount to
customer account. Complete the transaction normally.

149. How to reverse a proxy transaction?


Use menu option SPTM, Function R – Reverse. Select the transaction with
SHIFT + F4 when you get the list of outstanding transactions. Do the
changes as per your requirement in the reversal details and save using F10
key. Verify the transaction created.

150. How to cancel DD issued prior to Finacle migration?


For canceling pre migration DD, debit the suspense account and credit
customer account. The outstanding suspense entry is to be nullified by
raising a DN / SCS to concerned branch.
151. Bar amount in inward clearing zone wrongly entered and zone posted.
We are not able to modify the bar amount now. How to proceed?
Since the zone is posted, the modification is not allowed now. Pass a
manual voucher through TM. The difference amount lies either in short
claim or excess claim account.

152. How to view and modify SI for an account.


Use menu option SII. Enter the related account no and press F4. System
will give a list of all standing instructions for the account. For account
modification use HSSIM/ SIM.

153. Is there any report available where we can have the details regarding
name of the customer, term deposit receipt no., and tax deducted
amount (TDS details)?
Use menu option TDSIP/ HTDSIP.

154. I want to reprint the passbook entries that are already printed.
Use PBP menu option. In the date field, press CTRL + E key and press F2.
Now select the specific transaction from the list. Change the new pass
book field as N, specify the line number and press F4.

155. How to do revaluation of DD/ Pay order?


Use DDSM menu, enter the details and press F4. Change the revaluation
date and commit by pressing F10. Verify the revaluation done. BAC
K
156. How to unlock an outward clearing zone locked while releasing the
same?
Use UNLKZ menu option for unlocking the zone.

157. What is the menu option for generating a report giving details of
turnover, minimum balance, maximum balance & average balance in
accounts?
ATOR.

158. Can I print the DD’s after CSOLOP?


Yes.

159. How do I find out the inventory transaction ID for any date?
Use menu option IMR. Give the transaction date and other required
details. Press F4. System will generate a list of inventory transactions.

160. We want all the DD advice nos. which are issued till date.
Use menu option HOCIP.
161. A customer who was not using a cheque book facility now wants a
cheque book. What is the procedure to be followed?
Use menu option ACM, Sub- option S- Scheme details. Change the flag
for cheque allowed field as Y. Verify the modifications made to the
account. Issue the cheque book through ICHB.

162. I have forgot my password. What should I do?


Approach your branch DBA who has got access to the menu option
HUPM. Modify the password. Verify the modification. The new password
allotted will be given to the user. Use this password to login. System will
force you to change the password.

163. I have wrongly posted the transaction for Pay slip instead of DD. How
do I rectify this?
Cancel the pay slip through DDC menu option. Transfer the amount to
some office account and then issue the DD.

164. How to destroy the inventory like DD, pay slip etc?
User menu option IMC. Give the location as EM to DS and give the
details of the inventory to be destroyed.

165. How to issue a credit note and print it?


Complete the transaction through menu option TM. Use HOCIP menu
option to print the advice. BAC
K
166. How to upload the transactions from a floppy?
Copy the text file into C:\finacleupload folder. Use menu option
TTUMGEN2 for uploading file into finacle. Use menu option TTUM for
uploading the transactions in finacle.

167. How to find out accounts opened and closed during a specific period?
Use menu option ACS, enter the required data, and give open date low and
high to get the periodical list. Similarly you can use the fields closed date
low and high.

168. How to change the status of the account from dormant to other?
Use menu option ACM, function modify, sub-option S- Scheme details, 2nd
page. Change the status and save the record. Verify the modifications
done.

169. Improper shutdown of finacle pose a problem user has already logged
on. What is the solution?
Use menu option SAC. Put the function D –Delete for the specific user ID.
Press F4. Select the record by SHIFT + F4 and save with F10 key.
170. A transaction is generated and system is not allowing to post one leg
giving the message as " verification pending audit report exist”.
It indicates that the concerned account has been modified and the same is
still in unverified status. Verify the modification first and then try to post
the transaction.

171. Can I cancel the DD that is not yet printed?


Yes , you can cancel it by using menu option DDC and giving the
transaction ID and serial no / date of the DD transaction.

172. How do we check if the CSOLOP is complete for our branch?


Use menu option SOLSTAT.

And More FAQs by HOIT

REMITTANCES

173. Q: Details of payslips issued is not shown in the report


It is available through menu option BCREPORT. Payslip report for
BAC
reconciliation purpose is also available under CALLRPT Option 11.
K
174. Q: If payslip is issued to staff/for branch work commission is still
charged
Commission amount can be made nil at the time of issue of payslip, in the
menu option “HDDMI/TM” .

175. Q: AOD printing prints only consolidated amount. Then another


report is to be printed but that too does not contain full details
The AOD details are printed on a separate page and all the required details
are available in this allonge.

176. Q: How to find out DD advice no. For particular DD cancelled.


Use menu option HOCIP and give all the detail of DD and press F4.
explode a particular record. You will come to know the advice no. for this.

177. Q: A DD was issued prior to Finacle. It has come for cancellation now.
We have added the record in DDSM. Still we are getting the message:
Non-system DD when we cancel it through DDC option.
Since the DD was issued prior to Finacle, the same wouldn't be cancelled
through option DDC. Please use option DDT and debit the DD account,
credit the customer and mark the same paid in DDSM.
178. Q: Transaction created after the cancellation of DD is not getting
posted. While doing DDC, user has given the transaction type as T
(transfer) but given the credit account no. as TELLER01. Now the
transaction will not get posted as for TELLER accounts.
Transaction type should be C (cash). RMIM done for the part-transaction
and another part-transaction added with account as SUNDEP099 at DC
and posted.

179. Q: We want to get the register of DD issued to customer for a specific


period.
"Go in DDIR menu option, fill the following details . * Report to , * From
date to date, * A/c id
* Rpt code ,* Solid and DD are all printed as - N.
The pressF4 and put background as F / print- Y and press F10"

180. Q: One DD was cancelled and we have received SCS for this and now
want to give credit back to DP a/c While crediting to DP a/c system is
asking for additional detail of DD
Credit in DP a/c should not be through TM as it will treat it as a new dd.
This credit should be through DDT menu option.

181. Q: User want the list of all unprinted DD's & pay slip
User was told to use SOLVAL menu & in that check 17 number option &
from there user can get all list of unprinted DD's & pay slip.
BAC
K
182. Q: We r required to generate list of s/i ignored on day to day basis. Let
us know thro' which menu option we can generate this.
Through menu option SIETR, you can generate the said report on daily
basis.

CASH

183. Q: Denominations are not available making balancing


difficult.
The Bank has decided not to have denominations as it will have load on
the system, the same should be written on the reverse of the pay-in--slip
/chq/wdrl form.

184. Q: Want to appoint the above user as a Teller. How to make them as
an teller02
In EFM he has been marked as a head teller need to change it first with
function as modify & verify the same. Then go in GECM menu option &
add him as a head teller.

185. Q: Our cashier is going on leave & now we have to allot other user as
chief cashier. how to make the changes
First go in EFM & make the earlier cashier as head teller "N" & add the
new cashier over their as head teller & also make him as head teller work
class in HUPM Menu & verify both EFM & HUPM respectively.

186. Q: User was not able to post the transaction, but while posting he is
getting error part transaction status has to be reset before granting
TOD.
Give 'R' in specific functions then F4 & then grant TOD & post it.

187. Q: In a RD account instead of Rs. 1500 teller has wrongly posted Rs.
2000 in the transaction. so user want to know how to rectify it.
User was told to do proxy posting in the RD account leg since the teller
leg was already posted & after proxy posting user was told to reverse it
through SPTM menu & kept that amount in any office account & from
that office account transfer correct amount to RD account & balance amt.
show as payment.

188. Q: Due to poor connectivity operators who could earlier enter 400
cheques for outward clearing average are now able to enter only 200
cheques.
Where there is connectivity problem it should be immediately reported to
Data Centre/BKC to restore it at the earliest. Since April 2005 we have not
had any connectivity related issues. BAC
K
189. Q: Difficult to return cheques in case of inward clearing which is also
slow due to poor connectivity.
Presently there is no connectivity problem. Further, once all the branches
in a Clearing Zone are on Core Banking, centralized upload of clearing
instruments can be done. This exercise is already in place and working
satisfactorily at Karnataka Zone for the last 3 months.

190. Q: System generated entries should be entered with verified


status.
It gets verified for certain events and for others it remains in entered stage
as TOD may have to be granted, as also there could be exceptions in the
account.

191. Q: System posts some entries in proxy account how can branch know
what these entries are and where the same are to be actually posted?
It happens on some occasions but presently this has been made as an error
and this has to be reversed on the next working day without which day end
will not be completed. Branch can enquire into “PROXY account and
reverse it using option SPTM. Pl. refer to PSS/I/IOM/PAK/1563 Dated
28th October 2004
192. Q: While posting above transaction after pressing F10 user was
getting error withdrawal amt. can not exceed bal, scheme update fail,
sufficient Dr not posted
User was getting above error because user was debiting one loan against
TDR & for that account user has already debited the account more than
sanction limit so either to post it by increasing the limit or by granting the
TOD or kept that amt. in any office account.

CHEQUE BOOK AND STOP PAYMENTS / CLEARING

193. Q: Stop payments to be entered 1 leaf at a time. To stop 50 cheques


would require 50 instructions to register and 50 instructions to
authorize. What if cheque is presented and paid before all stop
payments can be registered?
Stop payment of a range of cheques is possible in one go. The inputs are
start cheque number’ and ‘number of leaves’.

194. Q: Any cheque issued can be posted in any account. System does not
warn that cheque is not issued in this account.
System prompts while posting that “cheque is not issued in this account”.
We have to understand that in the system the validation/exception are done
at the stage when the data gets updated at the Central Server. List of major
and minor exceptions is available under EODREP. Detailed instructions to BAC
deal with minor/major exceptions are also issued from time to time. K

195. Q: While issuing Chequebooks previous series is not shown which


makes it fraud prone.
All the required details of Chequebooks issued to customer are available
in CHBM and ACM Sub Option “Q”.

196. Q: While releasing clearing zone, system got hanged and exited from
that option. While releasing the zone, it gave message that zone is
locked
Get it unlock through option UNLKZ and go for releasing the zone

197. Q: What is the menu by which we can find out the location under
which the instrument is lying and through instrument how we can get
the a/c no.
" INQACHQ is the menu to find the a/c no. to which it has been issued.
ISIA is for finding the location . In that give function as I-inquiry, then
F4 . Put the invent class/type. and F4"
198. Q: A Cheque book has already been issued to an account and verified,
and the same series issued to another account but not yet verified.
Now system is not allowing to either cancel or verify the same.
Since the cheque book is already issued to another account, the same
cannot be issued to any other account. Please transfer the same series
again from ZZ/EXT to DL/DL and then from DL/DL to EM/138120.
Cancel the record and then move the inventory back to ZZ/EXT.

199. Q: A cheque was marked as Inward Reject in ICTM option as there


were insufficient balance in the a/c But after verification client has
deposited the amount in cash. How to change the transaction as
normal clearing transaction. Please give the procedure
First need to delete the above transaction which is marked as reject. So
Use function "D' in ICTM menu option specify the cheque number & F4 .
Select the transaction by SHIFT+F4 & F10. Then lodge the cheque again
in ICTM as a fresh cheque of clearing.

200. Q: While posting a cheque in ICTM user was getting error could not
carved as there are scheme error.
User was getting the error because the cheque no was already posted so
user was told if they want to post it then first change the cheque status
through UCS menu & then try to post it in ICTM.
BAC
201. Q: While regularising zone no. 02 user was getting error all part K
transaction release to shadow bal. not posted.
User was getting above error because in FTI menu some entries are
pending in enter status so user was told to first post & verify it & then user
can regularise the zone.

202. Q: Want to merge inventory of SB cheque.


Guided on phone to merge inventory by using menu option ISI >> merge
option >> and then to give start serial no in 2nd box>> then to give
quantity and commit.

203. Q: In ICTM zone code 02, an instrument was lodged in SUNCR


account with instrument as VC instead of VD. Now the transaction is
not getting posted.
User told to revoke suspend the MICZ. Then modify the ICTM
instrument, modify the instrument type from VC to VD and transaction
code from 20 to 40 and get it verified. The old part-transaction in the
transaction will get deleted and new part-transaction with correct
particulars will get added which will get posted.

204. Q: we regularised the clearing zone 06 of 11/07 & 12/07. both r


showing partially released. entries marked in MARKPEND
first revoke in the menu REVPEND then regularise again. in the zone 06
of 12/07 there was some return posted in the inward clearing. after closure
of the zone that will be automatically regularised.

205. Q: While posting a system transaction user was getting error account
frozen.
User was getting error because account was frozen so user was told to
unfreeze that account through AFSM menu & then try to post it.

206. Q: While realising zone no. user was getting error all part transaction
realeased to shadow bal. not posted.
For that zone some entries was there in entry status so first post & verify it
& then go for regularise the zone.
207. Q: User has issued cheque. book to wrong account physically issued to
correct account but in system issued to wrong account.
User was told to use the menu XFCHBAC to transfer the cheque. book to
correct account.

208. Q: While releasing the Zones the system is hanged up, what are we
suppose to do, please clarify.
First sac there IDs & then again login & check the zone status in
MCLZOH the status is already release to shadow.

209. Q: By mistake a cheque is posted twice in octm in a zone. Please BAC


confirm how to delete the same. K
As the zone is still in release to shadow bal... transfer the set to new zone
through TROFSETS menu and delete the same

GENERAL

210. Q: System is not at all user friendly but is cumbersome to remember


all commands:
By constant use the user will be able to remember the commands. The list
of commands is also available on desktop of user. They also can get the
menu by clicking on screen. We are also in process of sending a neatly
printed and handy pamphlet (pocket size) containing the commonly used
menus.

211. Q: Connectivity is poor resulting in customer dissatisfaction:


This issue has been now sorted out.

212. Q: Help Desk does not respond speedily and sometimes not at
all:
On an average more than 1000 calls logged in Help Desk per day. Many a
times, the call duration is around 15-20 minutes, as the users like to have
on-line help. This results in the Help Desk Lines being busy and the user
feels that they are not attended to. With more awareness on the part of the
users, the calls on Help Desk are bound to come down.
There has been lot of improvement in functioning of Help Desk and we
are keeping a constant eye on it and hope it will improve further.

213. Q: Help desk asks officer for his password to solve some problem.
This is fraud Prone & Severe security risk:
User should not give/ pass on password at any cost. If asked it should be
brought to our knowledge with name of the person asking so.

214. Q: What will happen if 700 branches are connected:


We are constantly monitoring the issues and hence are confident to ride
over the situation. There are banks having such large number of branches
using the same software.

215. Q: Connectivity between Finacle to MBB and vice versa is often


impossible leading to bitter customer complaints:
There has been much improvement in MBB functioning and the same is
stabilised to a great extent.

216. Q: Whether standing instructions are being executed correctly :


Standing Instructions are executed correctly, however the branch may
revert back to us in case of any specific instance of failure.

217. Q: After migration CCIS data is also getting scrambled in some of


fields:
BAC
Download of data from Finacle for CCIS purpose has been proper for the
K
past so many months. Branches may be advised to bring to our notice
specific cases.

218. Q: Forex bills collection schedule not having proper realization


instructions leading to US$ 15 as service charge by foreign
correspondent:
Separate schedule are available for bills sent on collection and bills
negotiated. User can put the instruction in Message detail (sub option-4)
which is to be reflected on the schedule. Branch to give additional
clarification.

219. Q: Printing of foreign inward remittance certificate is to be done


manually:
It can be printed through menu option FIRCR

220. Q: Advance Import remittance is not accommodated in Foreign Bills


Menu
When we receive advance remittance we may enter the same in IRM.
Later on when we lodge the bill the same may be entered as advance
remittance and IRM no. should be linked here in sub option (F) at the time
of realization.

221. Q: Foreign currency and traveller cheques encashed not able to be


entered in Finacle
It can be entered through menu option IRM

222. Q: Generating SWIFT message is not possible despite assurances that


it can be done:
Swift messages are being generated for MT950 and MT700. The vendors
are customizing for other types and the same is expected to be released
shortly.

223. Q: Information KIOSK not functioning


Except for pass Book printing, the other functionalities of KIOSK can be
made available. The customers will have to use their Internet Banking
password for accessing the KIOSK. It will be hence necessary for the
branch to identify and get the internet application from the customers.

224. Q: We want to take the printout of high value customer who has the
deposit above the specific limit. Please give the menu option for the
same.
Use menu option ACSP. Specify the code & amount range Minimum &
maximum in CR & F4. It will generate the report.

225. Q: We want to take the Statement of FFD A/c for the above SB a/c but
the report which is coming is blank. Please confirm any other menu of
the same.
All the FFD A/c are closed so statement won’t come in FFDPSP. Use
menu option PSP. Specify the date range & closed A/c field as "Y" & take
the report of the same.

226. Q: Not able to post one leg of interest run in tran asking for report
code.after entering the same is gives msg ref.no is restricted
In TM select function as M go to specify option, enter M and F4. Put
report code then F4 and keep the ref.no.field blank and F4. Now select A
and F4, give flow code as II (interest inflow), press F4 twice and go for
posting

227. Q: While opening a Minor A/c system is not allowing to verify Temp
A/c ID says Related party should be 10 year old. How to verify it ?

User has been asked to feed Guardian Detail alongwith Cust ID in Persons
Detail in CUMM & get it verified and then to auth. Temp A/c ID.
228. Q: We have one joint a/c. The Main a/c holder is expired. Want to
allot 2nd holder as main holder and add 2nd new holder . please
confirm how to do?
Create new cust id for the survivor and add to CCA menu option, put the
a/c id. Now in ACM menu option. put the function as M-modify and a/c id
Press f4 in sub option 'A'- related party. It will display the deceased
(main) holder details in that page one field called DEL Flag should be Y-
yes then press down arrow twice it will give new page for filling the
details of new holder . commit and get it verified

229. Q: System is not generating statement for an a/c.


Local calendar flag may be Y in this a/c as in India we are not
maintaining any local calender. So remove this flag in ACM and then to
verify it and commit it .

230. Q: how to get report for average turnover for an a/c


Use menu option ATOR or MISREP>>other>>account turnover report.

231. Q: Want a list of NPA a/c


Use menu option ACS and on 2nd page by giving F6 give asset
classification for NPA. This list will be displayed

232. Q: While verifying temporary account for NRE account user was
getting error the joint account holder has to be an NRI for this
scheme.
User was getting above error because in the customer ID of the above
account user has marked the NRI flag as "N" so modify it & mark as a
"Y", verify it then it will allow to verify the account.

233. Q: User want the menu to change the account status from dormant to
active. BAC
User was told to use the menu ACM give "M" function & in scheme K
details user can change the status.

234. Q: While generating the TDS report for a cust, its giving no record
tobe retrieved but there was an a/c which was closed but interest given
is more than 5,000/- but it is not reflecting in TDS REPORT.
In tdsip give the a/c closed flag as "Y" & F4 then generate the report.

235. Q: One of our staff is not able to login into finacle getting message
user profile deleted.
first go to hupm and undelete the user id by selecting function as undelete
and put the user id then click on accept. Now get it verified in same menu.
If require change the password to six letters in hupm option function as M-
and give user id. then this should be verified
236. Q: Want to get interest certificate for loan and deposit. Please confirm
what is the menu for it."
The menu is INTCERT and it is same for both loan and deposit .

237. Q: User want to know how to change scheme code


Use the menu ACXFRSC to change the scheme code.

238. Q: "The BOISP a/c, sweepin period 46 days. Where as some a/cs were
opened for 7 days only. Why?
In some of the a/cs sweepin didn't happened, eventhough sufficient
balance was available. " You need to modify the ACM of these
accounts and change the renewal period from 7 days to 46 days. Since
these accounts were created before the ACM modification of SB account,
thus the period is 7 days.

239. Q: How to transfer required amount from an account to another


account (say OD a/c to CD a/c) in case of shortfall in CD a/c and vice a
versa. Please guide us.
You can create a memo pad for the same giving the remarks. Every time
you put a transaction, or system will create a transaction, exception -
memo pad exists will appear on the screen for which you need to go to
memo pad by pressing <CTRL>+<F9> and view the message and accept
(F4) to over-ride the exception (depending on the work-class of the user).
Memo pad can be created for both the accounts by pressing
<CTRL>+<F9> in either ACLI or ACM screen for that account. Also,
please note that the transaction created by system for any of the account
will not get posted automatically due to this exception which will have to
be accepted manually.

240. Q: How to get the report for the total no of voucher passed in a day. BAC
K
Main menu is MISREP in that give module name - others and report code
as Br voucher statistic and press F4 give date and F4 put the f in
background print y and f10

241. Q: While closing an account user was getting error can not close the
account since authorisation is pending customer instruction exist for
this account.
User was getting the error because in the above account lien amt. was exist
so user was told first remove the lien through ALM menu if the user want
to close the account.

242. Q: Floppy posting procedure.


Menu option: 1) FILETR to transfer the file. Then, TTUM for posting the
transactions. PR to see the report. Then, verify the transactions. 2) ECST
in case of ECS floppy then TTUM, PR & verification.
243. Q: when a transaction is wrongly credited to one account instead of
another and also verified. How to rectify
HCRT is used to rectify and Reverse it.

244. Q: In some of SB/CD accounts system marks lien on some amount.


But no details as to why the amount is marked lien is gen. Branch is
unable to explain to the customer why such lien is marked
From ACM – option T

245. Q:How to see the totals of debits and credits of a transaction?


In menu option TM select specify option U.
For clearing entries go to option MICZ option S - Statistics.

246. Q:How to find out the operator user id and authorizer user id for a
transaction?
Use menu option TM select specify option O

247. Q:Can a closed account be re-opened in Finacle?


It is not possible from front end.

248. Q:Is there a provision to suspend a user?


Use menu option HUPM and enter the date in the field ‘User disabled
upto’

249. Q:If changes are made in signature of a person, what is the


chronological order in which the signatures are displayed?
When a new signature is captured, old one should be deleted using menu
option IMGMNT.

250. Q:Can a closed account be re-opened in Finacle?


It is not possible from front end.

251. Q:Is there a provision to suspend a user?


Use menu option HUPM and enter the date in the field ‘User disabled
upto’

252. Q:If changes are made in signature of a person, what is the


chronological order in which the signatures are displayed?
When a new signature is captured, old one should be deleted using menu
option IMGMNT.

253. Q:Why INT APPLIED IN NRE A/CS IN ENTERED STATUS


Interest application is done by system so whenever any transaction is done
in NRE a/c report code field has to be specified. for that system keep that
transaction in entered status

254. Q:ECS - Posting through floppy - if has errors like balancing, wrong
a/c number then how to rectify after posting.
Normally upload should be done in entered status, transactions should be
checked & then posted through TM option. Once the transactions are in
posted status, then no modification can be done, same has to be reversed
manually.

255. Q:how to take out Statements of closed a/cs –


Use menu option PSP - in the field open/close a/c put C-Closed or B-Both
instead of O.

Deposits .DEPOSITS FAQS.


1. How is a customer id generated? What is its format?
Please invoke the menu CUMM/HCUMM for creation of customer id.
Select "Add" in the field "Mode" and click on accept. Another screen will
be displayed. All the fields with red asterisk mark is mandatory. Do the
data entry of each screen and click on Validate to check whether the data
entry done is correct or not. And finally after all the screens are visited
click on submit. The system will display the customer id. This has to be
verified by another user through the menu CUMM/HCUMM. The verifier
will have to visit all the screens or else the system will not successfully
verify the record.

2. Is it branch specific or bank specific?


The customer id is generated for the data centre and it is not specific for
any SOL.

3. A customer is requesting for a specific number as customer id. Is it


possible for me to comply with his request?
No. The customer id is system generated for the data centre and it is not
possible to modify the system generated customer id.
4. Is it compulsory that a customer should have at least one account to
have a customer id?
It is not compulsory for a customer to have any account to obtain a
customer id.

5. Is it necessary for the customer to have a customer id for opening an


account?
Yes. It is a must for a customer to have a customer id for opening an
BACK
account.

6. I want to inquire into all the accounts linked to a customer id. Which
menu do I have to visit for this?
The user will have to invoke the menu HCUTI through which the user can
view the consolidated details of the customer like summation of the
balances, interest and charges in SBA, CAA, CCA, ODA, etc.

7. Is it compulsory for the joint account holders to have a customer id?


No. It is not compulsory for the joint account holders to have a customer
id.

8. While migrating from CIBEX, a customer has been given more than
one customer id. I want to link all the accounts to one customer id.
How do I link the accounts to the customer id?
The user can invoke the menu CCA/HCCA and change the customer id
pertaining to the accounts. While undertaking this exercise, please ensure
that the customer ID allotted for term deposit accounts is continued and all
other accounts are linked to this id.

9. A customer is having one customer id for SB, one for TDR and one
more for his advance accounts. I want to link all the accounts to be
linked to one particular customer id. Which customer id should the
bank suggest the customer to retain from the above three?
The customer should be advised to link all his accounts to the customer id,
which is created for his term deposits. This is because the TDS details of
the customer is available in the customer id created for term deposits and
not in other customer ids.
BAC
K
10. I know the name of the customer but not his account number. How do
I search for the account number?
Type the short name in the account id field and press F2, you will get the
list of all accounts under that short name. This will make selection of
account id easy.

11. I created a customer record but I could not note it down. From where
to find out the customer ID so that the record can be verified by the
officer?
Go to AFI and give the table short name as CMG and enterer_id as your
user-id and give entered on as today’s date and authorized flag as “N” and
press-f4 to know the customer-id.

12. How to get the inquire/print of all the accounts of a customer?


 To Inquire-Go to CUMM give the cust-id and use sub-option A- to
know all the accounts pertaining to this cust-id.
 To print-Go to ACDET and give the cust-id.

13. I opened an account but forgot to note down the ZZ number. From
where to find this ZZ number so that the officer can verify the
account?
- Go to AFI and give the table short name as GAM and enterer_id as your
user-id and give entered on as today’s date and authorized flag as “N” and
press-f4 to know the customer-id.

14. While posting a transaction, I get a message “Memo pad exists”. How
do I know what is wrong with the account?
While in TM menu option press Ctrl+F9 to Inquire on the Memo Pad
details of the given account.

15. I have opened an account under the wrong Scheme code. How do I
rectify it?
Use ACXFRSC to transfer accounts between schemes. This option cannot
be used to transfer Term deposit accounts from one scheme to another
scheme. Example: From an IO type of scheme to II type of scheme.
Hence for Term Deposit Account scheme changes, close the old account
and open a new account in correct scheme code with a value date.

16. How to change the rate of interest of an account?


Use INTTM option and select the appropriate interest rate codes and give
start-date and end date.

17. How to know the net interest rate applied on a given account?
Use ACM option – 0 – General Details and go to second screen to look at
net interest rate.

19. How to change the status of account – from Inactive to Active and
from Dormant to Active?
Use ACM – 0 – General Details and change the status to A-Active BAC
K
20. Where do I add the names of joint account holders?
The user will have to invoke the menu CUMM/HCUMM (Related Party
Details) and give all the details of the joint account holders.

21. Where do I enter the details of a minor in a SB account?


The details of a minor are entered while creating a customer id. The user
has to invoke the menu CUMM/HCUMM (Minor Customer Details) and
give the date in the field "Date of Birth". The system will automatically
calculate the date on which the minor will attain majority and will be
displayed in the field "Attains majority on".

22. Where do I enter the details of Non Resident Indian having a SB


account?
The details of a Non resident Indian are entered while creating a customer
id. The user has to invoke the menu CUMM/HCUMM (NRE Details) and
give the details in all the fields.

23. Will the system automatically indicate whenever a minor attains


majority?
The age when the minor will attain majority should be mentioned in the
field "Age when the minor becomes major" in the menu HSCFM (General
Details) and then mention the date of birth in the menu CUMM/HCUMM
(Minor Details).
The system will then prompt the user that the minor has attained majority
on the concerned system date.

24. How do I give concessional rate of interest in SB account for staff?


Please ensure that correct date is given in the field "Customer preferential
till date" in the menu CUMM/HCUMM (General Details).
Please ensure that the correct preferential interest rate is to be given in the
field "Customer Preferential Credit" in the menu CUMM/HCUMM
(Currency Details).

25. Where do I define the TDS rate and give other details of TDS for a
customer?
The user has to give the details of TDS in the menu CUMM/HCUMM
(General Details). This will be applicable to all the accounts linked under
this customer id.

26. I do not want the system to calculate TDS for a particular customer.
Where do I define this?
The user has to select no TDS table in the field "Tax Slab" in the menu
BACK
CUMM/HCUMM (General Details). All the term deposit accounts linked
to this customer id will not attract TDS.

27. FD has matured but it is not getting auto-renewed


 The Reasons could be
 Check for un-posted system auto-renewal entries in entered-status-use
FTI and give the term deposit account, if there are no unposted trans
proceed with the following
 Interest run not upto date – Check in ACM – Sub option? – Interest
Details inquiry to know the last int posted date and if this is less than
the maturity date run ACINT for this TD account only and ensure that
the account balance is equal to Principal amt + interest – TDS amt(if
any)
 In ACM - Check Auto-renewal parameters are correct or not. Auto-
renewal flag should be “U”-Unlimited/”L”-Limited depending on
customer instruction.
 Use TDBATCH option – 1 – Automatic renewal / TDREN option and
input this account number to do renewal
 Check the background reports using PR option for any failure reports
 The above solution is for a single account, if number of accounts are
more, then the problem may be reported to helpdesk.

28. How to reverse the TDS which is deducted wrongly?


Use RFTDS option to reverse the TDS deducted.

29. How to recover the TDS Shortfall from the operative account of the
customer?
Use ACM option and from sub option 0 – General Details modify the TDS
Operative account and then use the RECSHF option to recover the
operative account. The Shortfall account should be entered as the
designated office account which was debited for the shortfall amount and
give the account no. from and account no. to field as the Term Deposit
account.

30. How to see what is the interest paid and tax deducted for a term
deposit account?
Use ACM option – Sub option 2 – Interest and Tax details to inquire the
interest paid and tax deducted (here the interest amt shown will be
inclusive of tds)

31. What option can be used to print interest certificate and tax deducted
summary for a customer-id?
Use INTCERT to print interest certificate and TDSIP Option 5 – TDS
Summary to print TDS Summary and TDSREP to print TDS Report for
given Customer-Id.

32. A customer has 2 customer-Ids (X and Y) and both belong to the same
customer (or the first name is same for both the cust-Ids) and for TDS
purpose both the customer-Ids are to be linked (i.e. be treated as one
for TDS deduction)?
Use CUMM option and give cust-id: Y as the TDS Cust-Id in the primary
BAC
cust-id-X.
K
33. Sweep-in and Sweep-out is not happening, where to check?
 Check the following important parameters ACM – 4 – FFD Parameters
 Automatic Sweep – Should be Y for sweep to occur
 Next sweep-out date - Change this date to today’s date, if the sweep is
not happening and you want the sweep to happen in end-of-day
process.
 Link to Oper A/c. – Y
 Sweep-in Balance in S-Scheme Details screen should be the min.
balance to be maintained for accounts in this scheme

34. In TD Receipt printing, system is not showing any entry for a


particular account?
Confirm that you have not printed the receipt before for that account.
Check the ledger balance for that account, It should be equal to the deposit
amount.

35. Which is the account where the quarterly interest for the short term
deposit is parked?
SUNDEP021

36. Which is the account where the TDS amount is parked?


SUNCR066.

37. What is the menu option for remitting the TDS collected?
Remit it through RMTDS menu option.

38. How to refund the TDS deducted by the system. The refund is to given
through pay slip and system is asking for customer ID.
In RFTDS customer ID should be given to get the TDS records of that
customers’ accounts. The payslip account number can be given in refund
a/c field.

39. While printing an SDR the system gives the message: “Flows have to
be regenerated.”
Go for account modification through menu option ACM. Through sub
option S, change the regenerate flows flag from N to Y and then in sub
option F - Flow details, press CTRL + E and F4. Save the modification by
pressing F10. Verify the account modification and print the receipt.

40. How to enter the details for form 15G received for an account?
Go to menu option "ACM" and under sub-option "0", 2nd page give this
particulars.

41. Regarding non-generation of letters to the depositors for newly


opened/closed/ a/c.
BAC
K
Renewal letter ---- TDRCL
For account opening and closing the user can use MISREP menu option
and generate the report. Print out can be taken through PR menu option.

42. What is to be done if Autorenewal does not take place for some
accounts?
Renew the accounts through the menu option “TDREN”.

43. MIC interest is not credited to the account. How to look for it?
Use DTR menu option to find the transactions for the account where
system credited the interest amount.

44. How to run TDREN for renewal of FCNR fixed deposit receipts?
Make auto renewal flag 'U' i.e. Unlimited using menu option ACM in
scheme details. Then run TDBATCH menu option.

45. How to take the jotting of selected accounts?


For specific a/c you can use "BR" menu option or go to "MISREP" where
the jotting reports are provided.
For specific office a/c jotting use menu option "ACLPOA"

46. I want to print the BOISB (TD).


Use the menu option FFDPSP.

47. Which a/c is credited with the provision amount to be made for
quarterly interest payment to FDR accounts?
Provision made for FDR is credited to sundep021inr for INR currency
accounts.

48. How to close FFD account linked to SB account.


Go to ACM menu option to modify the TD account. With function modify
select sub-option “S’ and remove link operative a/c from it. Verify the
account modification and the go for closure of the TD account. In case you
want to discontinue sweep from SB account set automatic sweep flag to
“N”.

49. What is the option for freeze/unfreezing the account?


Menu Option AFSM

50. During cancellation of lien system is giving error.


System noted lien can not be cancelled. System will automatically lift the
lien.

51. I want to specify the interest credit to operative account for MIC / BAC
QIC scheme accounts. K
Go to menu option HACMTD and change the interest credit account in
Account Interest tab.

52. Accounts effective available balance is shown as 0 even if the account


balance is there.
Even if the account is showing the balance, there may be a lien marked for
this account because of which the effective available balance becomes 0.

53. What is the procedure to change a minor status account to major?


Go to option HCUMM / CUMM and change the date of birth for the
customer.

54. How to change the name of the customer?


Go to CUMM option. Using modify function change the name.

55. How to modify rate of interest in loan against TDR accounts?


Go to menu option INTTM, modify the interest rate code, account pegged
flag = N and save it.

56. How to inquire the TDS for a customer?


Use menu option HTDSIP.

57. How to recover charges for duplicate statement ?


Take the charges manually through TM.

58. Unable to close NRO account. Getting error "with-holding tax".


Through menu option ACM, sub-option 0, second page modify the tax
slab from 'W' to 'N'. Verify the record.

59. I want to open a DBD account transferred from a non-finacle branch.


While doing the account opening select transfer-in account and give the
details in the transfer-in tab At the time of posting transaction to this
account, enter two transactions, one for principal with flow code as PI and
another for interest with flow code II.

60. I am not able to print the TDR receipt.


It might have been marked as already printed. Use the menu option
REDRP for reprinting the receipt.

61. TDR is renewed with less amount instead of maturity amount. Where
is the difference amount?
Go to ACM menu option. Under sub-option U put 2 and see the detail of
that difference amount. Probably the amount is deducted as TDS.
BAC
K
62. I want to transfer TD account to another SOL.
Use CAAC menu option. In second page give the function as T – Transfer
out.

63. TDS amount is parked in which account and how to reconcile it?
TDS amount is parked in suncr066. Take the account statement through
the menu option ACLI. Take the TDS report from TDSREP & do the
reconciliation.

64. How to add nominees name to the account?


Use menu option ACM. Go to scheme details under sub-option 'S' and
mark the nomination flag as “Y” and add the nomination name in
nomination details under sub-option “N”

65. How to delete the joint account holders for an account?


Use ACM menu option. Go to sub option 'A' for related party details.
Make the del flag 'Y' to delete the joint account.

66. I do not want the autorenewal to happen in a TD account and vice


versa.
In scheme detail set the auto renewal flag appropriately for the account.
For modification use the menu option HACMTD.

67. How do I get the report of interest application?


Use menu option AINTRPT.

68. How to modify address?


For changing the address go to menu option "HCUMM / CUMM” and
change address in the address tab.

69. I want to view the details of old deposit account. The system shows
only the new deposit details.
Use menu option ACM and inquire by giving the account ID. In specify
option select option 8. Option 8 gives both the old and new account
numbers. Point to the old account number and type 'A' in the option given
below, then press CONTROL + E. which will the give the old account
details.

70. I want to renew a TD account with the principal amount only. How do
I go about it?
First check if the interest credit account is mentioned or not. Then go to
menu option "TDREN" and give account no. In renewal option system
will ask you for maturity amount or principle only. Select "P" for principle
only. Then renew it. Interest amount will go to operative account as
mentioned in interest credit account.

71. How to know the % of tax system is taking?


Use ASTI menu option. Select the code for TDS and view the TDS %.

72. When a customer is having multiple deposit receipts, tax is deducted


from one of the receipts. How to deduct tax from each individual
receipt?
Check the TDS flag for the TD account. If it is "Customer level TDS” then
it will calculate TDS for customer. If you want to collect TDS on account
level then give this field as account level.

73. System is not allowing verification in menu option CUMM. Message


given is currency screen must be visited.
Go to the currency page through menu option CUMM and press CTRL +
E . Press F4 twice and save by pressing F10.

74. How to close SB account?


Use menu option "CAAC". System will ask you for up to date interest
calculation. Run interest calculation through the menu option ACINT and
then close the account. Remember to recover all the charges from the
account before closure.
75. I want to close a auto renewed receipt with 0 interest as the customer
wants to change the TD instructions and the new receipt to be created
as of maturity date of the previous receipt.
Please check if the system has paid any interest or not. If interest is not
paid then you can close the account. If system has paid any interest then
change the interest rate code with ZERO interest code through INTTM
menu option. Verify the changes and then run REGFLOW and close the
account. In this case the system will not pay any interest.

76. Can I change the renewal period at the time of renewal of the TDR?
While renewing the TDR through "TDREN" system will allow you to
change period for which you want to renew.

77. How do I open a SDR for staff? This deposit comes under TD411 but I
am not able to locate any scheme for staff in SDR.
There is no scheme for staff SDR and no scheme code is available for this.
During account opening select interest rate code as "TDSTF". System will
pick up the interest rate for staff.

78. I want to change the interest rate code for a TDR account of a senior
citizen customer. At present the system is picking the normal interest
rate.
BAC
K
Interest table code given is "TDGEN" so system had picked up normal
rate of interest. Use menu option "INTTM" give interest table code as
"TDSRC" and then verify.

79. I want to change the name of deposit a/c as the first account holder is
reported deceased.
Create a separate customer ID for the second account holder ( If not
already existing in the data). Use "CCA" menu option and change
customer ID for the account.

80. How do I generate the transactions in FINACLE for the corporate


customers who give the text files in floppy for crediting the salary of
their employees?
Execute the menu option TTUMGEN2 first and then use TTUM menu
option. This will upload all the transactions from the floppy to FINACLE
data.

81. How to open a staff customer id without staff no.(PF no.)? This is
required for an overseas staff. How the rate of interest can be taken
care of if the staff flag is not “Y”?
While opening a customer ID, if staff flag is "Y" then staff no. is
mandatory. No dummy value will be accepted by the system. However
while opening an account for staff with non-staff customer ID, the
difference in rate of interest can be put in credit preferential. To validate
the rate of interest, user can explode the II or IO flow types in flow details.

82. Can I give the statement of account on floppy?


Yes. Generate the statement of account through PSP menu option. Make
sure that your Ilink option is open. Now through PR menu option give
CTRL + E two times on that particular report. This will transfer the soft
copy to C:\Finaclefiles and from there it can be copied to floppy.

83. How to generate the statement of account for term deposits?


The statement can be generated using the menu option PSP. For bank’s use
a report can be generated through menu option DTR.

84. How to find list of debit balances for current and saving account?
Use menu option MISREP -> EOD -> report code "latest debit balances".

85. How to inquire deposit receipt no. for an account?


Use menu option ACM, sub-option K.

86. I am not able to credit principal amount in TDR account. System


gives error - Transaction date should be equal to the open effective
date.
BAC
K
Create the transaction for principal credit with value date. This date should
be the same as the account open date in the account master.

87. I want a list for opened / closed accounts in a specific period.


Use ACSP menu option and give close low and high date and close
account flag as Y. System will generate the required list. Press F4 for
printing the report.

88. How do I view the turnover and interest rate for any account
Use ATOR menu option for turnover of accounts. For interest inquiry use
ACM option.

89. How to have a list of accounts where lien is marked?


Use menu option HALM with function List. Select the proper type in
module type.

90. I want to have a list of cancelled entries.


Use menu option FTI/ FTR. EODREP also gives this report.

91. I want the TDS for a customer to be deducted from a SB (Operative)


account and not from TD account.
Using ACM menu option modify the TD account. In general details, 3rd
page enter the TDS operative account ID for the customer.

92. Can I reactivate a closed account?


Not possible if account closure is verified. Open a new account.

And More FAQs by HOIT

SB/CD ACCOUNTS

93. Q: Opening of account, how much time it takes & is it user friendly:
User would gain comfort over a period of time using Finacle and this
would reduce the time taken for opening of accounts. At the same time if
opening of account and issue of miscellaneous items such as chequebook
and passbook are done by a different person service could be much faster
than expected. Further we are in the process of creating a template for
accepting only the mandatory fields for opening the accounts. The other
details may be entered as back office functionality.

94. Q: Forgetting a customer id many details to be entered procedure is


lengthy, operators need to visit 6 pages:
Go to CUS (Customer Selection) where selection criteria is available and
the desired result would be available without visiting any other pages.
95. Q: In passbook only single name appears Joint name & operational
instructions do not appear:
Now the incorporation of joint name is done.

96. Q: Sweep in / sweep out of funds several entries appear in passbook


which we find difficult to explain to customer
Statement of FFD (BOISP/BOICD) is available in FFDPSP. Further an
option FDLD is also available which gives a summarised version of the
accounts under BOISP/BOICD.

97. Q: Whether interest calculation is accurate


It is accurate. Random check should be done to report discrepancy if any.
Branches have to verify that proper interest rates are fed in the system.

98. Q: Balance and interest certificates cannot be generated


Both are available. Balance certificate can be generated through
CUSTBALP and interest certificate through INTCERT based on customer
ID. Interest certificate for FDR is available under CALLRPT option 12
for a given customer.

99. Q: Passbook printing is complicated, balance prints on the name page


or name prints on transaction page leading to cancellation and
wastage of passbook page and customer dissatisfaction:
The problem has been resolved to a great extent and further customization
to make it simpler is under progress.

TERM DEPOSITS

100. Q: Interest certificate not getting generated:


It is getting generated but necessary customization is done to give details
in required format. Now the same is available under CALLRPT option 12
for a given Customer ID. The same is also available under INTCERT.

101. Q: No clear guidance for TDS calculation and TDS certificates and
how to check whether system generated TDS is accurate:
All the details are available in menu option TDSIP sub option 2 & 5 by
INPUTTING CustId and financial year. Please refer IOM
PSS/I/IOM/AKJ/1903 dated 8th Dec 2004.

102. Q: Each receipt is treated as an individual account:


All accounts are linked to a particular customer id and TDS can be
calculated for all these accounts at customer level. Please refer
PSS/I/IOM/AKJ/1903 Dated 08th Dec 2004

103. Q: TDR interest or maturity values differ from earlier values. BAC
K
The total interest in respect of Deposits / or the ultimate maturity value is
correct. However for aberrations in the beginning, matter has been taken
up with vendor for necessary rectification.

104. Q: Standing instructions to credit MIC interest have not been carried
over from CIBEX:
The standing instruction of MIC/FDR/QIC/SDR wherever available to be
credited to operative accounts like SB/CD/CC/OD etc. is being migrated.
However if the credits are to SUNDEP/SUNCR etc, the same are not
migrated. The branch may also input the operative account for credit of
such interest using the menu option HACMTD/ACM and modifying the
field “Interest Credit Operative Account”.
(Please refer to HO instructions issued from time to time. This is part of
the post migration activity.)

105. Q: SDR maturity amount cannot be renewed only principal amount


can be renewed under automatic renewal:
Even in the earlier CIBEX system, the interest on SDR if not already paid
to the account was transferred along with the principal amount to
SUNDEP account and the renewal with interest handled manually.
However, since the interest is available in SUNDEP021, the receipt may
be closed and the same may be renewed with interest lying in
SUNDEP021 account. For this purpose the details of interest lying in
SUNDEP021 is available as a report under MISREPOTHERSSUN01
or PARTINQ

106. Q: Receipts do not print with more than two joint names
The system prints 2 names with details as “OTHERS”, in case of joint
names more than 2, as necessary space is not available for customization.

107. Q: In RD a/c instead of debit to SB a/c & credit to RD for standing


instructions, RD was debited and SB was credited.
We have come across instances where branches have input debit account
number as “RD” account and this will result in standing instructions
debiting the RD account.

108. Q: Kindly Inform Us About The Tds Dedcutions In Nro A/Cs. The E-
Mail Circular Dt 16.4.05 Is Silent About The Tds On Nro Deposits.
Instruct Us Whether The System Will Take Care Of Nro/Tds Or It
Should Be Done Manually.
For NRO account system will deduct W-Tax . If the user specifies in the
account that TDS is to be recovered at the rate specified in the account
details then the user has give the TDS rate at account level. If the user
wants that the rate of TDS is to be picked up from scheme, then in the
account , in field Tax-Category the user has to specify S.

BAC
K
109. Q: We have tried to delink the boisp a/c with sb a/c on two occasions,
but still we observe that the delinking is not properly carried out.
If you want to delink, then go in ACM menu option with the function as
modify & in specific opition give "5" & F4 & in the right coloum put "y"
F4 & F10 & verify the ACM . Then go in CAAC menu option for closure
of the a/c.

110. Q: Not able to remove lien through ALm in account.


The lien marked may be SHFLN (shortfall lien) and not the user lien. First
give the TDS operative account no in ACM, get it verified and then run
option RECSHF to recover shortfall from operative account which will
remove the lien.

111. Q: Interest not provided in DBD account. While closing the dbd,
system gives message: tdsi record exists. Do tds calc first.
On doing TDS calc, no interest is credited to the account and failure report
is generated. In the DBD account's customer, tds slab is given as tds04
(exempt), but the tds exempt date given is expired. So change either of
these depending on the documents received.

112. Q: kindly advice us the procedure for closure of an FFD a/c


The FFD may be linked to some SB/CC a/cs. First need to delink of the
above sb/cc. So use ACM menu option with the function as "M" Specify
the SB/CC a/c number to which the ffd has been linked then in opiton
code put "5" & F4 . Which ever a/c you want to close put "Y" infront of it
in the small box against the a/c. Then verify the ACM. Then use CAAC
Menu option & close the FFD as regular closure.

113. Q: In one RD A/c all installments have completed, but wrongly extra
installment has been taken and Teller leg has been posted also. So how
to go about it ?
As its additional installment taken so system was not allowing to post it
and even teller leg was posted so user has been asked to proxy post RD leg
and then reverse it through SPTM to operatrive A/c if customer is
maintaining.

114. Q: customer want information for maturity amount and deposit with
interest rate for particular deposit. How can we find in system.
Asked to use DEPMOD by giving deposite amount scheme code and
period. By giving this detail system will automatically give all the other
detail for maturity amount, date of maturity and interest rate.

115. Q: While crediting amount to a DBD account through a transaction


user was getting error cumulative installment paid + transaction
amount exceed deposit amount.
User was getting above error beacause in the above DBD account the
amount was allready credited so user was told to do proxy posting & then
reverse the transaction through SPTM menu. BAC
K
116. Q: The maturity date of RD 6666 has got increased from 27-04-2005
to 25-05-2005 and if tried closure today, system is deducting 30/- as
penalty.
The opening date of RD is 27-04-2005, wherein the first
installmentalment is deposited. The period is 12 months. The maturity date
is always 1 month after the date of deposit of last installmentalment. AS
per flows, the last date of installmentalment was 27-03-2005 and thus the
maturity date was 27-04-2005 but since the customer has deposited the
last installmentalment on 25-04-2005, the maturity date has become 25-
05-2005. Now if you close this RD pre-maturily, the system will be
deducting penalty againstallment the same.

117. Q: Pls tell us menu for getting the total nos of TDR under the given
customer id.
User can get the details by putting Report to , Cust id and scheme code in
ACSP.

118. Q: User want to close a deposit A/c, but he is getting error as IAR
Deleted , cannot close the A/c.
Use the option WIAR & give A/c No. press F4 & F10. then go for closure.
119. Q: While closing FFD account, user was getting error online
permission not allowed for FFD account.
User was getting above error beacause the above FFD account was not
dlinked so first dlinked the account verify it & then closed the account.

120. Q:How to take out reminders for Renewal of term deposit a/cs,
scheme wise?
Use menu option DN

121. Q:TDR – period wise classification/int wise classification whether


available or not
use menu SDD- Scheme wise , MDD – maturity of deposit wise

122. Q:How to link BOISP to SB?


Use menu option Acm- option 4 set the parameters like ffd scheme code
td481/td491 sweepout deposit period and auto renewal period

123. Q:how to find out TDS on NRO a/c credited to SUNCR116 pertains
to which a/c?
Use menu option MISREP >> DEPOSITS>>WITH HOLDING TAX for
getting the bifurcation of SUNCR116 a/c.
ADVANCES .ADVANCES FAQs.

1. I want to inquire into the interest details of a particular OD account.


Which menu should I have to invoke?
The user has to invoke the menu AITINQ/HAITINQ, which allows the
user to inquire into interest details of an account like interest accrued,
interest paid, interest collected, etc.

2. For reviewing the account I require the total credit and the total debit
turnover in the account for a defined period. How and from where do
I get the report?
The user can invoke the menu ACTI, which allows him to inquire into the
turnover of each account for a defined period.

3. I want to inquire into the interest details of a particular CC account.


Which menu should I have to invoke?
The user has to invoke the menu AITINQ/HAITINQ, which allows the
user to inquire into interest details of an account like interest accrued,
interest paid, interest collected, etc.

4. I have to close multiple loan accounts today. Is there any facility to


close the accounts at one shot?
The user can invoke the menu CLSLAA, which facilitates the batch
closure of loan accounts.

5. I want to inquire into the interest details of a particular loan account.


Which menu should I have to invoke?
The user has to invoke the menu AITINQ/HAITINQ, which allows the
user to inquire into interest details of an account like interest accrued,
interest paid, interest collected, etc.

6. One of the advance accounts is mentioned as "Past Due". Can I do a


debit transaction in this account?
BACK
If the exception "Debit tran to past due asset" in the menu GSPM (General
Details) is defined as "Error", the user cannot put a debit transaction into a
past due account. If it is defined as "Exception", the user having sufficient
work class can put through the transaction. If it is defined as "Warning",
any user having access to the account can put through the transaction.

7. In loan a/c opening module, int dr a/c type field is protected even
while collect int flag is selected. Sometimes the system doesn't allow to
proceed.
Int a/c dr type flag is protected. Occasionally, an error message is
displayed by the system that this field is to be entered. But ultimately,
when other tabs are visited, the system allows to proceed further.
8. Demand and Term loan accounts are also showing the available
balance to the extent of repayment made.
The loans that are opened under OD scheme code, the system treats the
account as OD account only, so balance will be shown to the extent of
repayment made.

9. How to change the asset classification in the system?


Use menu option "MEAC" for this.

10. What is to be done if installment is to be recovered from Operative


account?
Enter the operative account ID by giving the repayment as E – Recover
upto available amount. You may also mark the Hold operative a/c for amt
due-Y if you want the system to recover the balance of installment amount
in case of shortage of funds and any amount is being credited to the
operative account. Verify the modifications.

11. How to view the limit expiry date of a loan account?


Invoke ACM menu option-function I, Press F4 enter H for limit history in
option field, Press F4, then I for inquire in sanction limit details, give F1
in operation field you can select the limit there & it will show you all the
details & also the expiry date.

12. Limit when fed shows double the amount, if we are giving limit as
derived.
Ensure that you tick "supercede limit" in HACLHM/ACLHM menu
option.

13. Loan disbursed amount is more than the sanction amount.


Please ensure that while opening the loan account, under A/c Limit tab the
drawing power indicator is "Equal". In case correction is required then,
use HACLHM menu option, choose drawing power for modification & in
drawing power indicator give "E" for equal.
14. At the time of opening of loan A/c we want to give slabwise interest
BACK
rates. How to go about it?
In menu option "HACLHM" under sanction limit give Limit int flag as
"Y" and then give interest rate for particular limit.

15. While posting installment credit in a loan account, system is giving an


error as "all principal demands should be uploaded first”
Use LADGEN menu option to generate principle demand for the account
and LADSP has to be run to satisfy the demand raised for the account.

16. While opening loan account the system gives error loan period not
equal to scheme period.
The error will be displayed when the loan period is less than the minimum
period for the scheme and also when loan period exceeds the maximum
period for the scheme.

17. In one of the loan account system is not charging any interest.
Check if you have selected for limit level interest for the account. If so,
also check if the interest rate is specified properly. Also check the interest
demand date.

18. While closing a loan account system gives a message, debit interest
application not up to date. How to proceed?
Use menu option LADGEN for this loan account.

19. While enhancing limit system gives an error, as sanction limit can not
be greater than max allowed limit.
Please check the maximum allowed limit for the account under scheme
details. Change this field to appropriate value.

20. Loan amount disbursement was done for lesser amount. How to
enhance this?
Check the sanction limit for the account. If it is proper then you can
disburse the additional loan amount. Else you are required to change the
sanction limit details and then do the disbursement.

21. All staff accounts show a debit balance limit. How to rectify this?
Use ACM menu option, function M- modify, sub option S- Scheme
details. Modify the debit balance limit to zero (0). Save the record. Verify
the same.

22. Loan account has been disbursed for wrong amount, so the
transaction has been reversed. Now the system does not allow to
disburse again.
While making a reversal transaction for loan accounts, in additional details
enter the flow id same as that of the original transaction, reversal flag = Y
BACK
and enter the original transaction ID. If this is not done system will not
allow additional disbursement. The account should be closed and opened.

23. Is there any provision for taking care of additional disbursement?


To take care of additional disbursement, sanction limit and drawing power
need to be enhanced. This will enable making additional disbursement.

24. I am not able to verify a record in WEB that was modified in ONS.
Record modified in ONS mode can not be verified in web mode.

25. How can I do the trial run for interest of loan and CC accounts?
Use menu option LADGEN for loan accounts by giving Trial mode =N
and ACINT for CC accounts by giving adhoc = A. and Post Tran = N.

26. I want to generate a list of loan accounts having credit balance.


Use menu option ACSP. Give the minimum balance as 0 and maximum
balance as CTRL + X and credit/debit indicator as C for both.

27. How do I generate a list of accounts where lien is marked?


Use menu option ACS, enter the lien flag = Y and generate report for
specific scheme.

28. How do we allot slab wise interest rate to a loan account?


In menu option HACLHM go for modification of the sanctioned limit. Put
the limit level interest flag = Y for first slab and enter the interest rate.
Similarly create more records of limit sanctioned. In case you want all the
limits to be active simultaneously, do not tick for supercede flag.

29. How to remove the penal interest being charged to the some loan
accounts?
Go in ACM menu option, function modify, sub-option S –Scheme details.
Change the field for penal interest on interest = N and save with F10 key.
Verify the account modification.

30. The drawing power of a CC account against stocks increasing


regularly.
Whenever the stock statements are entered for the account, use the
function as modify and not lodge in menu option HCLM.

31. In some of the loan accounts customer wants the installments to be


recovered on 10th of the month whereas the system is recovering it on
1st of the month.
If you have specified automatic recovery from operative account then
check installment start date in repayment schedule. On basis of this date
installment will be due for account and then it will recover from account.
You can reschedule account using menu option HLARA.
BACK
32. An account holder has deposited a big amount in his loan account and
wants the monthly installment to be reduced. How to do this
adjustment of EMI?
Use menu option HLARA to reschedule the account.

33. How to generate report for NPA account with Asset Code, Amount
and name of the account
Use menu option MISREP ->NPA

And More FAQs by HOIT

ADVANCES

34. Q: In one case, sanctioned limits became nil, Why and how does this
happen:
In case of specific instances we can look into the matter and revert back.

35. Q: Sanctioned limit, drawing limit, drawing power does not appear on
screen while posting cheques:
The above details refer to available balance and same is available while
positing the cheque and details of the same are available in ACCBAL or
exploding the account and going in account master, in the same menu
while posting the cheque itself. Further the effective available balance is
the amount upto which the balance can be drawn.

36. Q: ACCBAL does not show closing/net balance in the account:


ACCBAL shows the effective available balance and if the same is
negative the same is shown as ZERO as no balance is available for
withdrawal.

37. Q: Standing instructions of advances are not being executed & in


newly opened accounts it is executed daily causing cheques of deposit
accounts to be returned:
It is being executed where branches have keyed the repayment method as
(E) recover from operative account. We have come across many instances
where branches have wrongly input installment frequency as “D” instead
of “M”. The system in such cases creates a demand daily and recovers if
balance is available. BACK

38. Q: Modifications in account are not highlighted hence officer has to go


through each and every field to determine what has changed,
possibility of missing an important field.
Highlighting of modified fields is not available in the package. However,
the changes are available in Audit report. We have taken up the matter
with the vendor for highlighting the modified fields.

39. Q: Loan account of 50000 was opened in Cibex and outstanding


balance was 20000 at time of migration. After migration Finacle
allows system to post vouchers upto 50000 as if it is OD a/c
System will not allow debit to happen beyond available amount and credit
to account is permitted. Please let us have specific account details to
scrutinize the issue.

40. Q: Whether interest applied is applied correctly and applied in all


accounts? Some branches have found serious errors in this area:
The same can be checked by branch by taking account interest reports
through menu option AINTRPT.Most of the errors noted in interest
application is because of data errors. The branches while
modifying/opening the account make these errors. For the quarter ended
March 2005 the interest application was done on TRIAL basis. Error
reports were sent to the branches/Zones for correction/rectification in
respective accounts. There was hardly any interest failure.

41. Unable to close the CC account through the 'CAAC' menu option.
Following message is being displayed "There are outstanding
Bills/DC's/BG's/FC's/PCA's on this account, check the report for
details".
The account is linked with some Bills/ Documentary Credits/ Guarantees/
Packing Credits/ Forward contracts. Before closing the account all these
should be closed or should not be linked to the account. System will
automatically generate a report/printout when the message is displayed,
through which the user can know the related Bills/ Documentary Credits/
Guarantees/ Packing Credits/ Forward contract number.

42. How to enhance / reduce / withdraw the Sanction Limit/Drawing


Power in an account?
Use HACLHM option.

45. Q: In an OD a/c, interest applied till some date. How to apply interest
BACK
till date.
To run the interests go in ACINT option.

46. Q: Loan a/c not allowing for closure, showing verification pending.
In AFI - acm is unverified. First verify acm and then go for closure.

47. Q: In CC account stock statements were received and entered in the


system after a late of 3 days. The system is supposed to charge penalty
for 3 days delay in submission, which it did not. Please guide us.
Whenever you have to enter any SRM for first time, dont give any
received date and whenever you get the stocks then instead of modifying
the record, substitute ("S") the record and then enter the actual received
date of the stocks without changing the due date again (As system will
automatically take care of the due date on verification). After then when
you will run the Interest for that account, system will charge the penal for
the late receiving of stocks.

48. Q: Term loan accounts related to the mining industry are generally
allowed repayment holidays during the monsoon period lasting for
about four months. Kindly advice the module available in finacle to
record such a repayment schedules.
Finacle doesn't take care of the said case automatically. In the loan
account opened, Repayment Schedule (E sub option in ACM) has to be
modified for rephasement as Y and next demand date to be modified to
date 4 months ahead, every time till the duration of repayment.

49. Q: How to see interest part of staff housing loan a/cs?


If the user want to see interest part of the staff housing loan account then
in ACM menu in "E" details user can check that one by pressing shift+F4.

50. Q: In loan a/cs drawing limit is not showing. Pl. Advise us the menu to
get drawing limts in loan a/cs. Custmer is unable to know how much
he has to pay. We have already tried the menu of laopi which shows
only overdues but not drawing limit.
Please use option MISREP, giving module as loans and report number as
LAA002. You will get the drawing power limits for all your loan accounts
in the background.

51. Interest not applied to an a/c despite limit level interest flag given as Y.
Despite giving the limit level flag as Y, no interest rate was specified at the
limit level and was default zero. Please modify the same and then apply
interest to the account.

52. Q: Interest is being charged by the system and reversed on the same
date. This is happening for the last three months. BACK
The branch has given interest debit account number. as SB a/c. System is
debiting the above account and to reflect this interest entry in OD account,
is debiting and crediting the OD account. All these three entries are part of
the same transaction. On 13-06-2005, branch has removed the interest
debit account no as savings account no. From now onwards, interest will
be debited from OD account only and no other transaction will be created
viz. credit of OD account and debit of SB account.

53. Q: A CC a/c is shown as overdue although the account is within limit.


The account has been migrated with DP as zero and thus it is shown as
overlimit. Please modify the ACLHM and grant DP to the account.

54. Q: Want to give overlimit to OD a/c.


Asked to use menu option HACTODM and then give TOD to this a/c

55. Q: Interest has been charged in a Loan a/c despite being marked as
NPA.
The classification done in Account is 02 and sub classification is 22. The
scheme for the account is LA601 for which 22 sub classification is not
defined by Bank IT. Sub classification 20 is there. You can modify the
MEAC for the account to make effects and then go for MAPD to mark the
account as past due (which is presently not marked as past due), in the
absence of which the system is charging interest in the account.

56. Q: User was not able to verify the temporary loan account against
NSC while verifying user was getting error loan period not as per
scheme.
user was getting the error because in the above loan account loan period
was not mentioned so modify it through OAAC & mentioned the period &
then verify it.

57. Q: While disbursing loan amount user was getting an error.


User was getting above error because in the loan account, drawing amt.
was zero so modify it through ACLHM menu verify it & then go for
posting the tran.

58. Q: Advice generation through menu option RPCRPT for EPC


disbursement is giving error.
Please again run the option RPCRPT by giving right parameters as
follows:
SOL/Setid: your branch sol-id
Report to: MGR
A/C id from: A/c no. To: Same a/c no.
Disbursement date from: Enter the right valid date To: Upto the date u
want to see
Display or Print: P BACK
Mrt file name: pcdisbadv.mrt

Press F4, Enter F in Fore/Background, Print Reqd.? N and press F10.

Then you will see in PR option report will get generated.

59. Q: While disbursing the loan amt. For a loan account, user has posted
excess amt. & given the credit to pay slip account.
The transaction was posted & verified also so cancelled that pay slip
through DDC menu give the credit again to the loan account & then made
a fresh disbursement with the correct amt.

60. Q: Whether is it possible to change scheme code for a loan account?


It is not possible, close the account re-open it

61. Q:Is there any provision for Drawing Limit and Overdue amount for
each and every account on the main screen itself?
Use menu option ACCBAL

62. Q:How to get the list of limits expired for cc and od a/cs as on a
particular date?
Use menu option PRR8

63. Q:is it possible to trf ln a/cs between schemes before demand is


raised?
No It is not possible, close the account re-open it again.
BACK
64. Q:In which jotting module for loans we get details name, s/l, d/l, o/s
balances and overdue amount?
Use menu option LAOPI

65 Q:how to find out the a/cs where the rate of interest is ‘ZERO’?
Use menu option CALLRPT option no 7