SK MISHRA SPOs SAHARSA DIVISION SAHARSA - PowerPoint PPT Presentation

slide1 n.
Download
Skip this Video
Loading SlideShow in 5 Seconds..
SK MISHRA SPOs SAHARSA DIVISION SAHARSA PowerPoint Presentation
Download Presentation
SK MISHRA SPOs SAHARSA DIVISION SAHARSA

play fullscreen
1 / 103
SK MISHRA SPOs SAHARSA DIVISION SAHARSA
665 Views
Download Presentation
Download Presentation

SK MISHRA SPOs SAHARSA DIVISION SAHARSA

- - - - - - - - - - - - - - - - - - - - - - - - - - - E N D - - - - - - - - - - - - - - - - - - - - - - - - - - -
Presentation Transcript

  1. An Indicative Procedure & Guideline Collected & Compiled at Circle Processing Centre (CPC), Odisha, Bhubaneswar With worthy active remarkable cooperation of PMU Cell / WTC, O/o the Chief PMG, Odisha Circle, Bhubaneswar & Workplace Training Centres (WTCs), in Odisha (Established at CO / RO / Division / HO) 3rd Edition – 15th August 2015 New email IDs of CPC Odisha: cbscpc.od@indiapost.gov.in spocodisha@gmail.com finacleuserid.cpcodisha@gmail.com ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 1 of 103

  2. Preface On the outset of migration from Sanchay Post to CBS Finacle of M/s Infosys Ltd., the scenario of work process at Post Offices changed almost to Banking procedure. The CBS Finacle is an internet base application. Except some desktop settings, there is no client software. Its front end/ end users operation is mostly based on commands called as Menus. To perform different operations in CBS Finacle the Users are mostly depending upon training materials of M/s Infosys / FAQs of DMCC Chennai /different web sites. The training and live work environment at counters is quite different. There are certain situation/operation which mostly does not come in training (e.g. EOD, auto creation of unwanted A/cs, their verification/cancellation etc.). To coup up with the situation, the staff of CPC, Odisha, Bhubaneswar & WTC, Bhubaneswar O/o Chief PMG, Odisha Circle, Bhubaneswar worked together to bring forward a “CBS FINACLE WORK FLOW PROCESS” to guide the Users of Finacle to the best. The CBS FINACLE WORK FLOW PROCESS is prepared collecting the themes from different sources as mentioned above as well as from live work environment of counters. We tried our best to arrange the modules in alphabetical orders (A-Z). With remarkable suggestions from different offices, cooperation ofPMU Cell & WTCs of Odisha, the CBS FINACLE WORK FLOW PROCESS has been revised from time to time to facilitate & guide the end users to perform utmost error free operation in live work environment at counters. Till date the following releases of CBS FINACLE WORK FLOW PROCESS has been made. 1.CBS FINACLE WORK FLOW PROCESS” 1st Edition on 26th January 2015 2.CBS FINACLE WORK FLOW PROCESS” 1st Edition Revised on 2nd February 2015 3.CBS FINACLE WORK FLOW PROCESS WITH BO TRANSACTIONS 2nd Edition – 1st April 2015 4.CBS FINACLE WORK FLOW PROCESS WITH BO TRANSACTIONS 2nd Edition (Revised)– 1st May 2015 5.CBS FINACLE WORK FLOW PROCESS WITH BO TRANSACTIONS 3rd Edition – 15th August 2015 (the present one, incorporating relevant information of SB Orders published up to 15.08.2015 i.e. SB Orders No. 08/2015). Most of the POSB Rules & SB Orders are same for CBS & non-CBS Offices. But some POSB Rules & SB Orders are different for CBS & non-CBS Offices. POSB Rules & SB Orders referred to in this booklet is applicable to CBS offices. Every effort has been made to the best to make this revised booklet better & error free. If still exists any unintentional / typographical error / mistake, or any suggestion to improve the booklet, may kindly be brought to the notice in the following email ID or Telephone. SPoC & Supervisor, CPC Odisha, Bhubaneswar spocodisha @gmail.com Tele: 0674-2575449 KN Satapathy, Sys Admin. knsatapathy@gmail.com 9439856782 (Mobile) MK Mahala, Sys Admin. wtcbhubaneswar@gmail.com 9437279335 (Mobile) BB Mohapatra, Sys Admin. helpdesk.dopbbsr@gmail.com 9438186255 (Mobile) J.Sahu, Sys Admin. RO Sambalpur jitusahusbp@rediffmail.com 9437209739 (Mobile) R.K.Rout, Sys Admin. Rourkela HO ranjan_rklho@yahoo.co.in 9437100866 (Mobile) S.K.Mahapatra, Sys Admin. RO Berhampur sant.dop@gmail.com 9438338805 (Mobile) CPC (Circle Processing Centre), Odisha Contact Details Designation Name , S/Shri SPOC & Supervisor Sudhansu Shekhar Tripathy System Administrator Kedarnath Satapathy System Administrator Swadhin Behera System Administrator Jyoti Prakash Pani Compilers : Circle Processing Centre, Odisha AND WTCs, in Odisha Contact No. 9439913805 (Mobile) spocodisha@gmail.com 9439856782 (Mobile) knsatapathy@gmail.com 9853185184 (Mobile) swadhinbeherasa.dop@gmail.com 9437762306 (Mobile) Email address ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 2 of 103

  3. Page Contents 1 Important Notes on POSB & Finacle 2 Difference in process : Sanchay Post & CBS Finacle - Major issues 3 Account Opening (All schemes) & Minor Accounts 4 Account Closure – Normal (All schemes) 5 Account Closure - Death Claim (All schemes) 6 Account Extension /Re-deposit/Renewal /Re-investment / (All schemes) 7 Account Transfer (All schemes) 8 Agent Portal (Business ,Commission & Management) 9 Cash Certificate: KVP / NSC 10 Cheque Clearing (Inward & Outward) & Out Station Cheque Collection 11 Cheques: Inward Clearing Process 12 Cheques: Outward Clearing Process 13 Cheques: Out Station Cheque for Collection 14 Cheques: Outward Clearing -CBS HO/SO not dealing with clearing house 15 Common Menu – A/c Conversion, CTM, CXFER, HCASHPND, Minor to Major, Name change, Nomination 16 Customer Identification File (CIF) 17 Discontinued Scheme Transactions 18 ECS ------------------------------ EOD (COD) / BOD 19 Find out new account No. for old account No. 20 Freezing of A/c ------ Functions in Finacle 21 Inventory Management - Certificates & Cheques 22 Lien Maintenance 23 National Savings Scheme (NSS) A/c 24 Office A/c -------------------------- Other SOL Transaction (Inter SOL Transaction) 25 Payment (by Cash/Cheque/Transfer) & Repayment (Credit) A/c 26 Pay, Other Bill & SB Bulk Uploading --------------------------- Pledging of A/cs 27 Public Provident Fund (PPF) A/c --------------------------- PPF Loan / Withdrawal 28 Recurring Deposit (RD) A/c --------------------------- RD Loan / Half Withdrawal 29 Rectification of Wrong Postings / Fake-unwanted A/c opening ----- Exceptional Schemes /Closure 30 Retail Manager (RM) e-Banking Portal 31 Savings Accounts (SB) A/c 32 SB: POSB Cheque Book Maintenance / POSB Cheque Stop Payment 33 Standing Instructions Maintenance 34 Sukanya Samriddhi Accounts (SSA) 35 TDA -Term Deposit Accounts: (TD/ MIS / SCSS) 36 TDA - TD & MIS (Extra / Special) 37 TDA - Senior Citizen Savings Scheme (SCSS) (Extra / Special) 38 TDS 39 Transaction: its ID, Cancellation & Verification --------- URLs --------- Vault Transaction 40 Works that can be initiated by Supervisor / Sys. Admin./ Postmaster 41 Reports (Inquiry - View / Print) – List of Finacle Reports 42 ATM Operation 43 BO Transactions 44 Interest Flow & PMI --------- Submission of Documents / Information to CPC 45 How to get it if forget to note ---------------------------------- Good practices in CBS Finacle 46 Frequently Used Menu Options / Commands ------------ List of End Users’ Menu in CBS Finacle 47 SB Orders related to CBs Finacle 48 Telephone Nos. / email IDs & Escalation sheet related to CBS Finacle, DOP Networking & Anti-Virus 4 7 10 14 17 18 19 20 22 26 27 28 31 31 32 34 36 37, 38 40 41 42 43 44 45, 47 51 52, 55 55, 58 59, 60 62, 64 65 66 67 68 69 71 73 74 76 77, 79 80 80 84 86 90, 91, 92 94, 95 102 103 ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 3 of 103

  4. CBS FINACLE – WORK FLOW PROCESS (AN INDICATIVE PROCEDURE & GUIDELINE) Govt. of India authorizes POSB to run in CBS vide SB Order No.05/2014. Some POSB Rules & SB Orders are different for CBS & non-CBS Offices. POSB Rules & SB Orders referred to in this booklet is applicable to CBS offices. Important Notes on POSB & CBS Finacle:- 1.POSB Schemes in nut shell: For details refer Govt. of India POSB Orders issued from time to time. POSB Schemes Reintroduced Extension if any Introduced / Maturity period + Min. Deposit Amount No. of Deposit / Maximum in an A/c # A/c type & Max. No. of joint A/c holder an a/c S, JA, JB. 02 S, JA, JB. 03 Deposit in KVP MIS Re- 23/09/2014 15/08/1987 08 Years 04 Months 6Years 30/11/2011. 5Years from 01/12/2011. 6Years 30/11/2011. 5Years from 01/12/2011. 10 Years ---- 15 Years + 5Yrs + 5Yrs + 5Yrs (Max. 30Years) 05 Years (Max.10Years) 1000 1500 One. No limit. One. a/c=4.5Lakhs, Joint a/c = 09Lakhs One. No limit. up to Single NSC VIII 08/05/1989 up to S, JA, JB. 02 100 NSC IX NSS PPF 01/12/2011 Discontinued 01/01/1979 S, JA, JB. 02 NA S. Joint not allowed S, JA, JB. 02 100 ---- 100 in a Fin. year 10 One. No limit. ---- Multiple. in a Financial year Sixty + sixty. No limit. Denomination is multiple of 5. Multiple. No limit. 1.5Lakhs RD 01/04/1970 + 5Yrs SB - General Since 1882 ----- S, JA, JB. 03 Non-CQ=50. * CQ=500. Non-CQ=50. CQ=500. SB – Pension ----- S, JB* Multiple. Deposit by Dept. only. No limit. Multiple. No limit. SB Sanchayika SB - Basic Savings A/cs SCSS SSA – ----- JA. 03 Non-CQ=50. CQ=500. Zero 20/05/2013 ----- S, JA*. 02 Multiple. No limit. 02/08/2004 22/01/2015 05Yrs+03Yrs(Max. 8Yrs) 21Years S, JA*. 02 S*. Joint A/c S, JA, JB. 02 1000 1000 in a Fin. year 200 One. 15Lakhs Multiple. in a Financial year One. No limit. No 1.5Lakhs TD 1/3/5Years from 16/03/1970. 2Years 01/08/1973 1/ 2 / 3 / 5 Years (Re- deposit through SAS not allowed) from # A/c type: S=Single; JA=Joint A; JB=Joint B * Condition applied SB:- One A/c holder can have maximum 03 (three) A/cs – One Single / Pension A/c & two Joint A/c with different partner. Cheque facility is not permitted in Self-operated minor & Lunatic A/c. PPF & SSA:- One A/c holder can have only 01 (one) Single A/c. Joint A/c not allowed. SSA:- Can only be opened in the name of minor girl child born on or after 02.12.2003. SCSS & SB – Pension: - Joint A/c is allowed only with spouse. (SB – Pension: SB Order No.11/2007) MIS & SCSS:- One A/c holder can open more than one A/c within the prescribed maximum limit. CC, RD & TD:- There is no limit in number of A/c and amount of deposit. 2.KYC (Know Your Customer), attested (self or by Gazetted Officer) copy of any one among from Identity Proof & Address Proof documents along with Documents Compulsory required for opening and running the accounts. (Counter PA & Supervisor need to verify with the original document). The KYC Documents should be as per the SB Order No.14/2012 (Master Circular No. 1 on KYC norms in POSB/SC under AML/CFT regime) (Directorate File No.109-04/2007-SB dated 09.10.2012). Without KYC document A/c cannot be opened nor can be operated. $ SB CQ A/c not permitted for ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 4 of 103

  5. Identity Proof - Any one of the following documents PAN card or letter issued by IT Authority quoting PAN Electoral Photo Identity card, • Ration Card with photograph. • Passport, • Driving License, • POSB Identity card/ Post Office Identity Card / Identity card from Central/ State Government or PSU e.g PPO, BPL card, Job card issued under MG-NREGA duly signed by an officer of State Government. • Photo Identity Card issued by recognized University/Education Board/College/School. • The letter issued by the Unique Identification Authority of India (UIDAI) containing details of name, address and Aadhaar number. N.B.: (a) Form-60/61 is not treated as Identity Proof if submitted in lieu of PAN. (b) Form 60 is meant to give reasons for not having PAN. Form-61 is for agricultural income. (c) For self-operated minor (minor of 10 years or more) A/c, KYC of minor (especially ID proof, Signature and Photograph) is to be taken. 3.A job / process (financial / non-financial / inquiry / generation of report (View or print)) originated by any user (PA/Supervisor/Sys. Admin /Postmaster) is termed as create a Transaction. Some of these job / process requires checking / verification by any Supervisor and is termed as Verify. Transaction & Verify are represented by T & V respectively in this document. 4.Menus / Commands begins with H are product of Finacle. Menus / Commands begins with C are customized for Post Offices. All the Menus given under column heading “Supervisor verify menu” are not meant for Verification e.g. CNAC. Items (Transactions) / Menus against which V is written, requires verification. Without verification the same will act as “EOD Blocking Validation”. EOD is not possible until the same is verified / cleared. 5.CBS Finacle being a web base application has different users such as PA, Supervisor, Postmaster, Sys. Administrator, Auditor etc. assigned with certain roles. Each user has a login ID & Password. A password is valid for 60 days only. Password should be minimum of 08 characters consists of at least one special character & one number. The software maintains the password history. 6.Scheme Codes POSB Schemes KVP (KVP New reintroduced from 17.11.2014) MIS MISE1– MIS Exception (for conditional transfer of existing MIS a/c for closure of irregularly opened a/cs) MISN1– Monthly Income Scheme (for New A/c) NSC VIII NSC8 Address Proof - Any one of the following documents Bank or Post Office Passbook / Statement with current address • Passport with current address. • Ration Card with current Address. • Electricity Bill or Telephone Bill of not more than 03 months old (Current bill if internet downloaded) • • Salary Slip of reputed Employer with current address. • Certificate from Authority / Postman or Gram Dak Sewak Delivery Agent or Branch Postmaster. • The letter issued by the Unique Identification Authority of India ( UIDAI) containing details of name, address and Aadhaar number. Documents Compulsory Following are compulsory in addition to ID & Address proof. 1.Photograph. 2.PAN or Form-60/61 (valid for 01year only) for balance / transaction of INR.50000/- or above 3.Birth Certificate for SSA. 4.Income proof for SCSS. 5.Copy of Authority letter /document concerned Authority for SB - Basic Savings A/c. e.g. For LPG subsidy- Subscription Voucher & Blue Book; For MGNREGS – NREGS Job Card. any Public issued by Scheme Codes in Finacle for new a/c opening Scheme Codes in Finacle for Agents which is to be attached by HDSAMM KVN – KVP New KVN3 – KVPN Rs. 1000/- denomination KVN4 – KVPN Rs. 5000/- denomination KVN5 – KVPN Rs. 10000/- denomination KVN6 – KVPN Rs. 50000/- denomination MISN1 – Monthly Income Scheme KVP14 NSC81 – NSC VIII Issue Rs. 100/- denomination NSC82 – NSC VIII Issue Rs. 500/- denomination NSC83 – NSC VIII Issue Rs. 1000/- denomination NSC84 – NSC VIII Issue Rs. 5000/- denomination NSC85 – NSC VIII Issue Rs. 10000/- denomination NSC91 – NSC IX Issue Rs. 100/- denomination NSC92 – NSC IX Issue Rs. 500/- denomination NSC93 – NSC IX Issue Rs. 1000/- denomination NSC IX NSC9 ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 5 of 103

  6. NSC94 – NSC IX Issue Rs. 5000/- denomination NSC95 – NSC IX Issue Rs. 10000/- denomination PPF – Public Provident Fund RDIPN PPF RD PPF – Public Provident Fund RDIPE –RDException (used for PMC /closure of irregularly opened a/cs) RDIPN –Normal (for New A/c opening) SBGEN – Saving Bank – Without Cheque Book SBCHQ – Saving Bank –With Cheque Book SBBAS – Saving Bank – Basic Saving Account SBPEN –SB – Pensioners With Cheque Book SBPWC–SB–Pensioners Without Cheque Book SBSAN – SB – Sanchayika With Cheque Book SBSWC – SB- Sanchayika Without Cheque Book. SCSCM – Senior Citizen Savings Scheme SCDEF - Senior Citizen Savings Scheme – Retired from Defence SCVRS - Senior Citizen Savings Scheme – Voluntary Retirement SCEXP – Sr. Citizen Exceptional Scheme (used for PMC /closure of irregularly opened a/cs) SSA – Sukanya Samriddhi Accounts Same as given for Agent. TDIPE – Exceptional scheme. 7.In Finacle CBS, entering of Date of Birth for all accounts is mandatory and it treats all depositors of age below 18 years as minor. When Minor attains majority, it stops transactions and allow transactions only when status of account is changed from minor to normal. 8.Entering of Last name in also mandatory in Finacle CBS. When there is no last name for a customer, first name should be entered as last name. 9.In Finacle, deposit is called as Funding. Savings A/cs, PPF A/cs and Sukanya Samriddhi A/cs cannot be funded during account opening. Funding has to be done after opening & verification of Accounts. 10.In case of other types of accounts/certificates (KVP/NSC/MIS/TD/SCSS), funding is either to be done at the time of creation of account by selecting Transaction Required as “Yes” or during verification. 11.Interest of MIS/SCSS/TD A/c, automatically flows to customer’s SB account (called as repayment account) on EOD by CPC. If no SB A/c is specified, the interest flows to Office Sundry a/c. If due date falls on Sunday / Holidays, interest out flow occurs on the previous day. But the system may not allow payment before due date. At the same time there is no provision to close the account/certificate one day prior to maturity date, if maturity date falls on Sunday or Holiday, then closure is to be done on the next working day. Hence it may please be notified and customers may please be requested to come on next working day. 12.The extension of time deposit is automatic and for the principal portion only (SB Order No. 05/2014). 13.PPF claim closure & transfer out closure from post office to Bank can be done at HO as the transaction has to be initiated by supervisor and verified by another supervisor. 14.Effective available balance is eligible amount of withdrawal. Amount before clearing is “Shadow Balance”. 15.Wherever From A/c ID & To A/c ID fields are shown in Finacle, it refers to a range of accounts (eg. from 1 to 100) and not transfer-from and transfer-to account ID 16.Finacle CBS application does not support maintenance of stock and supply of Passbooks. After Migration to CBS, Passbook stock and supply is to be maintained manually. 17.The user, who doesn’t have a teller account, cannot post transactions in CTM/HTM. 18.Trial Closure of Term Deposit type accounts is mandatory. Use of trial closure for SB & PPF is also helpful. 19.Reason for closure is critical and mandatory. Reason code to be selected for all types of closures. 20.When claim closure is initiated, proper reason code, “death claim” should be given and “penal” flag should be changed as ‘N’. Otherwise discount will be deducted from principle amount in TDA Products. 21.Closure reasons:- Reason Reason code Normal / Maturity closure NORML Order by Ministry of Finance OBMIN SB (Scheme codes to be selected from searcher) -----Not Applicable ----- SCSS SCSCM – Senior Citizen Savings Scheme SCDEF - Senior Citizen Savings Scheme – Retired from Defence SCVRS - Senior Citizen Savings Scheme – Voluntary Retirement SSA TD ----- TDIP1 – One Year TD; TDIP2 – Two Year TD TDIP3 – Three Year TD; TDIP5 – Five Year TD Reason Forfeiture of certificates Death claim (closure on death) Reason code FORFT DTCLM ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 6 of 103

  7. Difference in process: Sanchay Post and CBS Finacle - Major issues Issues 1. A/c Open A/c with CIF Funding accounts Process in Sanchay Post No Customer Information File (CIF) concept in Sanchay Post. Deposit is accepted at the time of A/c opening and purchase of certificates. Process in Finacle CIF has to be created for every depositor. On migration, CIF is created for each depositor or guardian Deposit is called Funding. Account can be funded either at the time of opening or after opening. opening of 2. Cash Certificate Issue certificate 1.Certificates against new registration No. 2.On issue of certificate stock is reduced & certificate No. comes. 1.On migration, account is created for each certificate. One account is opened against each certificate. Under one Registration No. 25 A/cs (certificates) can be opened / issued. 2.Stock is linked to printing of certificate. User has to invoke the menu of printing a certificate to issue certificate & get certificate Number. Then the stock gets reduced. CIF is to be created for new depositor and then CIF of earlier depositor is to be suspended. New CIF is to be attached to the existing certificate. On the physical certificate, name of old customer is to be rounded and new customer to be added. In case of single to joint, name of new customer is to be added on the existing certificate. Receipt from NC4(a) has to be issued indicating denominations selected in A/c opening (denomination selected cannot be changed later). An account is opened against each certificate and Counter PA has to enter the NC4(a) receipt number in the relevant field. On of stock, the Counter PA has to print certificates against account created under NC4(a). of are issued Certificate transfer Name change For Certificate transfer from one person to another or single to joint or joint to single, old certificate is to be discharged certificate is to be issued. If certificates are not in stock, NC4a receipt is issued from Sanchay Post and amount is accounted against certificate issue. Later, certificates are issued on receipt of stock against this NC4a receipt. / and new NC4a issue 3. Cheque Transaction Cheque clearance Cheque clearance is totally different from Sanchay Post. It has a full-fledged Cheque Clearing Module. Cheque for Savings A/cs, can be lodged/entered against the relevant account. Cheques for other schemes are to be lodged against specified Office Account. Till CSI, comes, the cheque clearance will be handled by the Treasurer as earlier. Treasurer will be handed over two lists, i.e one of Sanchay Post and another of Finacle.Posting of cheques lodged in Finacle will be done in Finacle at HPO level. When SOs will come in Finacle, there will be no need to send any intimation to SO for posting. In case of new accounts, SO can see the credit happen in Office Account of HO and can open and fund/make deposit in account from the office account putting date of credit as value date. Once CSI comes, the clearing house activities will be handled by Treasurer by using Finacle CBS cheque clearing module. Cheques are entered against A/c Nos. and for new A/cs marking as New Account against A/c No. Lists are printed at SOs and sent to HO with cheques. In HO, cheques of SOs and HO are entered in Sanchay Post and combined list is handed Treasurer along with cheque for clearing. After clearance, HO Counter makes accounts of his own cheques, accounts for SO cheques as Part-II and sends intimation to SO under part-III for posting in SO ledger. Account opened cheques can be opened and credited by selecting the cheque details from the list of cheques cleared in Sanchay Post. over to Account opening through cheque through Cheques of other Banks cannot be lodged against the scheme or account number. These are to be lodged in Office A/c. On receipt of credit, the account can be funded /deposited by debiting/withdrawing amount from that Office A/c. While opening new accounts, cheque details to be filled in Remarks field so that the same comes in remarks column of LOT. ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 7 of 103

  8. Subsequent deposits through cheque in RD & PPF A/cs These lodged/entered against the RD and PPF accounts and on receipt of clearance, deposit can be given by just selecting the relevant cheque number from the list. The Counter PA has to enter date of death and all other calculations are done by the Sanchay Post system. cheques can be Cheques have to be lodged against designated Office Account and on clearance, each and every deposit is to be made in the relevant RD and PPF account by debiting relevant office account. There are chances of mistakes and the procedure is time consuming also. 4. Death Claim Death closure Different processes are followed for different death claim cases. CIF of the deceased has to be suspended. In case, nominee or legal heir wants to continue account, his/her CIF has to be created and existing account has to be attached with new CIF. All the nominees or legal heirs have to come together to claim amount as there is no provision to keep the amount in the account for the nominee or legal heir who does not claim along with other one. There is no provision for Passbook inventory. Process of inventory of certificates and cheque books is also different. Claim 5. Inventory Inventory process Inventory process is for local office and maintained for Cheque, KVP/NSC & Passbook with facility to enter invoice number details. There is concept of Office Accounts as it is based on Single Entry system. 6. Office A/c Maintenance of accounts It is based on Double Entry Accounting system. Every entry has two legs i.e Debit/withdrawal and Credit/Deposit. Many Office Accounts have been opened for taking care of the second leg of posting. LOTs are also printed based on the second leg of posting and General Ledger Balances/Scheme- wise Balances in an office are also created with the second leg of posting. Some of the Office Accounts are to be operated by Counter P.As and Supervisors and some are maintained by the System itself. Many of these accounts have to be watched by SBCO or Postmaster or Division/Region/Circle/DAP Offices in the shape of reports. There is no provision to accept RD List (LOT) without posting at the counter. Once account is attached to the agent (migrated from Sanchay Post or opened in Finacle), deposit cannot be accepted at the counter in that account unless depositor gives in writing to cancel the attachment with agent. For bulk acceptance of RD deposits from MPKBY Agents, an Agent Portal has been developed which can be accessed through DOP website using internet. All MPKBY agents are allotted Login ID and Password to operate Agent Portal. On login into Agent Portal, all live RD accounts attached with the agent are visible to the agent. Agent can select the installment month and default fee or rebate will be calculated by the system. MPKBY Agent can prepare List (LOT)s in three different modes i.e cash with limit of Rs.10,000/-, by POSB Cheque and by other Bank Cheque. One MPKBY Agent list should contain maximum 50 A/cs. System generates one reference number on the printed List (LOT). On presenting the list, Counter PA enters the reference number and compares the entries in the printed LOT and does the needful. System once again validates the entries and accepts the deposits. If any deposit is rejected, Counter PA can print the revised LOT and return the excess money to agent. Counter PA will save the transaction posted and then Supervisor has to validate the posting. no Office 7. RD RD portal There is a provision to attach Accounts with an identified MPKBY Agent and when agent presents List (LOT), amount of List can accepted pending its Amount of all such Lists are reflected in RD LOT and posting pending LOTs can be done at a later date with date of presentation of List as date of deposit. agent RD be posting. against ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 8 of 103

  9. In case of other Bank cheques, no posting is done until clearance of cheque. On credit receipt, the List can be accepted for posting by debiting that Office Account. There is no provision to keep the posting of RD pending. Agent commission automatically gets credited into Agent’s Savings account after deducting the TDS. All entries of all agent LOTs will be printed in the Counter LOT. Therefore, it is advised that only one counter should be identified for accepting agent LOTs. The balance is to be made Zero by withdrawal. Then closing interest to be viewed, if required to be calculated. Closing interest has to be seen by going through transaction details or by invoking print report. Supervisor while authorizing closure is not able to see any amount. 8. Savings A/cs Savings /PPF closure /NSS A/c Savings closure, calculations closing interest are done by software. A/c all of the 9. Specimen Signature Shifting signature scanning and other related work to CPC. Earlier Process: ECMS document scanning and storage system was implemented. Counter PA has to take additional signatures on the perforated slip of new Account Opening Form (AOF) and paste the same in SS Book after tearing from AOF. AOF with KYC documents was sent to CPC daily. At CPC, AOF & KYC documents were matched and on acceptance, these were scanned in ECMS and uploaded into Finacle Core. The scanned images were available in ECMS and CBS Finacle both and any CBS post office is able to view. Photo and signature were separately stored & available in the shape of an icon called “SVS” for Finacle withdrawal and closure screens. Physical documents are sent back to concerned Post Office by CPC along with rejected documents showing the objection for rectification. Post Office will get the rectification done and resubmit the documents with AOF to CPC. Process from 1st April 2015: New simplified 1 Page (back to back) Account Opening/Purchase of Certificates Application Form (AOF) is to be used. The new customer has also to fill (for one time), KYC Form in duplicate and put photo and signature on the same. AOF, KYC Form (one copy) and KYC documents (New / existing customer & returned from CPC) should be preserved at Post Offices in A4 size Ring Binder date-wise. One copy of “KYC Form” is to be sent to CPC for scanning. At CPC, photo and signatures are attached with CIF & account level. “KYC Form” received at CPC will be preserved at CPC. of Signatures scanned Post counter. There is no provision signature scanning in SOSB and also no provision for photo scanning in Sanchay Post. are the at Office of 10. Term Deposits Payment of interest in MIS,TD, SCSS etc. 1.Interest is not credited to the MIS/TD and SCSS A/cs. Interest of these accounts is calculated and credited into specific office Sundry A/cs. Interest is also has to be paid from the Sundry Account. 2.Interest is credited to customer’s Savings A/c on due date automatically on specifying the repayment A/c. It is desired that all such customers should be requested to open Savings A/c and link as repayment A/c. 3.Interest is not paid for the day of account opening and is paid for the day of closure. Total interest in both the cases will be same. When account is opened in Sanchay Post and closed in Finacle, one day’s interest will be paid extra. Therefore, this extra interest is being deducted in Finacle during first payment after migration. 4.Finacle adjusts rounding off every quarter/month to restrict total interest to the actual rate of interest. Therefore, any extra interest already paid in Sanchay Post due to higher rounding off is 1.Interest is credited into the Accounts and also paid from the A/cs. 2.Interest is credited to the customer’s Savings A/c on written request called Instruction (SI) – Auto transfer. 3.Interest is paid for the day of account opening and not for the day of closure. 4.Rounding off was being done every quarter / MIS/TD/SCSS Standing ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 9 of 103

  10. month as the case may be, to the higher side of a rupee if interest is in 50 paisa or more. 5.Interest is equally for every month. also deducted during interest credit of first quarter/month after migration. 5.Interest is calculating on basis of number of days in a month from the date of opening of account. That is why the interest amount differs from month to month / quarter to quarter. calculated 11. Transfer of A/c Transfers between finacle and non finacle offices The account transfer in / out can be done among CBS post office only. There is no need to generate any AT or Transfer Journals or do the pairing. Only, the post office, after satisfying the genuineness of depositor, has to change the home SOL(post Office) of the account and account will be transferred on the spot. A report can be generated showing accounts transferred from one SOL to another in all CBS post offices. Only PPF & SCSS can be transferred between CBS & non-CBS Post Offices. There is a provision to transfer any account to any post office and it generates Advice of Transfer along with Transfer journals. Account Opening (All schemes) & Minor Accounts (Menu Operations are given in respective schemes) Documents required for New Account Opening/Purchase of Certificates – To be filled & complied by applicant (KYC Documents should be in A4 size paper preferably photocopied in one side). 1.Common Account Opening Form (AOF) plus additional Form for SCSS & PPF A/c in A4 size paper (SB Order No.6/2015 dated 09.06.2015 & process circulated in email dated 27.03.2015 & 25.05.2015). 2.KYC (Know Your Customer) Form in duplicate 3.Proof of identification (POI) and Proof of Address (POA) 4.Copy of PAN Card for transaction or balance of 50000 or more (Better to take PAN in CIF). 5.Copy of Authority letter /document issued by concerned Authority - for SB - Basic Savings A/c 6.Copy of PPO issued by concerned Authority for SB - Pension A/c. 7.Copy of “Resolution from School Management” for SB – Sanchayika A/c. 8.Age proof & Income proof for SCSS A/c. 9.Copy of Birth Certificate for SSA. A/c can be opened by: - Only Indian individual (s) single or jointly including Minor and lunatics (For details, refer POSB Manual & SB Orders issued by Govt. of India from time to time). Minor Account: Minor A/c:Minor’s accounts are of two kinds (a) Self-operated minor A/c (for the age of ten years or above) (b) opened & operated on behalf of minors by their guardians. Self-operated minor A/c: Self-operated minor A/c is allowed in MIS, RD, SB,TD, KVP, NSC 8th Issue and NSC 9th Issue only. In Finacle guardian CIF is 300668762 (pre-defined one). Mode of operation for Minor A/c in Finacle: 018 – Minor A/c Operated by Self or 019 – Minor A/c Operated by Guardian. Mode of operation: 012 = Self 016 = Joint A A/c 017 = Joint B A/c 018 = Self operated minor (N.B.: Now Self operated minor is available for SB. It has been taken up in UAT for other schemes) New Process of Account Opening/Purchase of Certificates at CBS Post Offices (From 1st April 2015) (Authority: Director (CBS), Dept. of Posts email of March 28,2015 at 1539hrs & Mar 30,2015 at 1455hrs) For new customer 1 New simplified 1 Page (back to back) Account Opening/Purchase of Certificates Application Form (AOF) is to be used for the purpose of opening of accounts/purchase of certificates along with simplified New/Change KYC (Know Your Customer) Form. Plus additional Form for SCSS & PPF A/c (SB Order No.6/2015 dated 09.06.2015 & process circulated in email dated 27.03.2015 & 25.05.2015). 019 = 020 = 999 = Minor A/c through guardian Lunatic Operated by guardian Others For existing customer New simplified 1 Page (back to back) Account Opening/Purchase of Certificates Application Form (AOF) is to be used for the purpose of opening of accounts/purchase of certificates. ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 10 of 103

  11. Customer has to fill all the fields in the 1st page of AOF and filling of fields in the 2nd page of AOF are optional (depends upon the requirement of customer). Customer has to provide specimen signature and place photo (photo only one time) on the second page. The new customer has to fill (for one time), KYC Form in duplicate and put photo and signature on the same. It is the responsibility of Counter PA and Supervisor to take KYC (ID and Address Proof) documents from customer and verify that name and address mentioned in these documents are tallied with that mentioned in AOF and KYC Form. BPM/SPM/APM/DPM has to sign the AOF and KYC Form in token of having checked KYC documents. 2 Same as of new customer. 3 To be given if not given earlier. 4 To be given if not given earlier. 5 It is the responsibility of Counter PA and Supervisor to verify that name and address mentioned in the AOF are tallied with the existing CIF in Finacle. For any changes fresh KYC to be obtained with Change Request (CR). BPM/SPM/APM/DPM has to sign the AOF and KYC Form (if taken as CR) in token of having checked the documents with CIF in Finacle. PA to check existing CIF (Menu: CMRC) & KYC status in Finacle in CIF Modification menu. If status is:- (a) “KYC doc. Submitted”,  Name and address in AOF should be matched with the data in CIF, if tallied, Note CIF No. on AOF & KYC Form & proceed for A/c opening*.  Supervisor to verify A/c opening*. (b)If there is a difference or change, customer should be asked to submit new KYC Form in duplicate and revised ID & Address documents.  In case of difference or change in KYC, CIF has to be first modified as per revised KYC documents and “KYC Form” (Menu: CMRC).  Supervisor to verify CIF creation (Menu: CMRC)*.  Then account is to be opened & funded by PA.  Supervisor to verify A/c opening*. (c)“KYC doc. Not Submitted”, customer may be asked to submit KYC documents and KYC Form in duplicate.  On receipt of required KYC documents, PA to modify the CIF (Menu: CMRC).  Supervisor to verify CIF modification (Menu: CMRC)*.  After satisfying that entry is correct, Supervisor will click on “KYC Status” field and select status as “KYS Doc. Submitted” & complete CIF verification.  Then account is to be opened & funded by PA (act as per (a) above).  Supervisor to verify A/c opening*. Modification/ Change Requests: (a)When customer applies for KYC updation, or account transfer, ATM Debit Card, Internet or Mobile Banking, change in nomination etc. i.e anything other than new CIF Creation and new A/c opening/Purchase of certificates, Counter PA will go to CIF modification and see status of KYC. If status of CIF is “KYC doc. Not submitted”, Counter PA will take KYC Form in duplicate from the customer. If KYC Status is “KYC doc. Submitted” and data in Finacle & Form submitted are same, Counter PA will not ask for KYC Form. 6 (a)Check if CIF exists in Finacle (Menu: CDEDUP). If CIF exists act as per existing customer. (b)If CIF does not exist, create new CIF (Menu: CCRC). Fill the name, address & KYC information correctly in CIF creation. Note CIF No. on the AOF & KYC Form. Supervisor to verify CIF creation (Menu: CCRC)*. After satisfying that entry is correct, Supervisor will click on “KYC Status” field and select status as “KYS Doc. Submitted”. (c)Then Counter PA should proceed for A/c opening. (d)Supervisor to verify A/c opening*. *(In case of any difference, Supervisor can reject the form before verification. For detail menu operations refer/see Topic “Account opening all schemes” & A/c opening & verification Menu options of respective schemes). Some related portions of Finacle are to be developed. 7 8 Modification/ Change Requests: Not applicable to new A/c opening / purchase of certificate. ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 11 of 103

  12. (b)In case of difference, modify CIF, verify & act as given above. (c)In case of change request of address, obtain KYC Form in duplicate, modify CIF & verify. Conversion to Joint or Single A/c: (a)In case of conversion from single to Joint A/c: KYC of new incumbent to be modified / created as the case may be. A/c level modification is to be done to add new incumbent to the A/c by adding CIF to the A/c. (b)In case of conversion of A/c: A/c level modification is to be done to remove the out-going incumbent from the A/c by removing his CIF from the A/c. #AOF & KYC preservation & submission to CPC (a)AOF, KYC Form and KYC documents should be preserved at Post Offices in A4 size Ring Binder. (b)Existing AOFs received back from CPCs in date- wise bundles should also be opened and preserved in same type of A4 size Ring Binders. (c)One copy of “KYC Form” is to be sent to CPC by preparing separate list manually. 9 Conversion to Joint or Single A/c: Not applicable to new A/c opening / purchase of certificate. 10 #AOF & KYC preservation & submission to CPC (a)AOF, KYC Form and KYC documents should be preserved at Post Offices in A4 size Ring Binder. (b)At End of the day, KYC status report with “KYC doc. Submitted” will be generated by Counter PA and KYC Forms will be sent to CPC by Registered Parcel in envelop (A4 size) without folding the form (for the sake of scanning). # See Topic “Submission of documents to CPC”. Scheme Sequential workflow / steps of Account opening Savings A/c can be opened by Cash only. All other A/cs can be opened by Cash / Local cheque / Transfer from Savings A/c. Cheque & Transfer is treated as non-cash. Withdrawal form is not required for open on Transfer & depositor needs to write on AOF and it can be invested through Agent (SB Order No.7/2015). Opening of new a/c or issue of CC by Transfer from Savings A/c, is permissible/possible when primary CIF of both the a/c are same. PPF / SB / SSA and putting verified seal with signature. The depositor has to attach the said verified KYC with AOF). 2.Check for existing CIF (CDEDUP). If any document is produced on CIF always prefer CIF attached to SB / PPF. If there is more than 01 CIF, merge it (HCCA). Note CIF ID on AOF. 3.If no CIF exists, create new CIF (CCRC). Note CIF ID on AOF. (a)For minor a/c, Guardian CIF to be opened first & then Minor CIF. Minor CIF to be used for Minor A/c. (b)For self-operated minor (minor of 10 years or more) A/c (is allowed in MIS, RD, SB,TD, KVP, NSC 8th Issue and NSC 9th Issue only), following procedure to be followed. Depositor should not be asked to fill Guardian details in Account Opening Form (AOF). KYC of minor of 10 years or more and Signature is to be taken on Account Opening Form. Create Minor CIF and note down Minor CIF ID in Account Opening Form in place of Depositor CIF ID. In Guardian details and guardian CIF, enter CIF ID as 300668762 which have been created centrally with dummy data. On account opening, select mode of operations as SELF and in guardian CIF, enter 300668762. System will show following details: - “Last Name / Short Name – GUARDIAN. DoB - 01/07/1960. Document type - ADPRF with unique id 3dec2014email. Document code –PSBID. Nationality- Indian. Tax deducted at source as – NOTAX”. (Authority:- Email from Assistant Director (SB-II), Postal Directorate, New Delhi on Dated: 06/02/2015 at 11:36 AM on the subject - Create Minor CIF). This may be filled in the AOF. 4.Supervisor to verify - Menu –CCRC / CIFRC; Function – V-Verify →CIF ID → Go →Submit. 5.Invoke New A/c opening menu (Menu:- SB= CASBAO ; PPF / SSA = CPPFAO). Function – O-Open → Give CIF → Scheme Code →….. Note A/c ID on AOF & Pay-in-slip. Also note Trans. ID. 6.Supervisor to verify-( SB= CASBAV; PPF/SSA= CPPFAV). Function – V-Verify → A/c ID → Go →Submit. 7.Accept money from the Depositor. Perform Funding to the scheme. (Menu:- SB= CTM or CXFER ; PPF= CPDTM ; SSA= CTM). Function– Add → Function Type – Deposit → …….. Note Trans. ID. 8.Supervisor to verify. (SB/SSA= CTM or CXFER ; PPF= CPDTM). Function– V-Verify →A/c ID → Go → Submit. (For Sl. No. 5 to 8See Brief menu operation for details) 9.Print Pass Book (Front page & Transaction page) & hand over to the Depositor. 1.Verify AOF & KYC documents given. Ensure their correctness. (It is better to give AOF verifying KYC ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 12 of 103

  13. 1.Steps 1 to 4 are same as PPF/SB/SSA a/c. 2.Invoke New A/c opening menu (Menu:- RD= CRDOAAC /RDAOCM). (a)New A/c opening: Function – O-Open → Give CIF → Scheme Code → See Brief menu operation. (b)Funding: Accept money from the Depositor. Funding to be done here by clicking Transaction Required– Yes →No. of Installments. Note A/c ID on AOF & Pay-in-slip. Also note Trans. ID. (c)If failed to give No. of Installments, then 1st Supervisor to verify New A/c opening as per Sl. No.3 below. Thereafter perform funding (Menu = CRDP / CRDAMT) 3.Supervisor to verify New A/c opening - (Menu :- RD = CRDOAACV / RDAOVF). Function – V-Verify → A/c ID → Click on Go → Click on Submit. See Brief menu operation for details. 4.If failed to give No. of Installments, then 1st Supervisor to verify New A/c opening. Thereafter perform funding (Menu= CRDP / CRDAMT). Supervisor to verify Funding in same menu option. 5.Supervisor to verify funding (Menu = CRDP / CRDAMT). Function – V-Verify. 6.Print Pass Book (Front page & Transaction page) & hand over to the Depositor. 1.Steps 1 to 4 are same as PPF/SB/SSA a/c. 2.For MIS invoke the menu CLIMITto know the total holding & to find whether is in the limit. 3.Invoke New A/c opening menu (TD/MIS=MISAO/ CMISAOP/ TDACTOP ; SCSS=CSCAOP / SCSSAO). (a)New A/c opening: Function – O-Open → Give CIF → Scheme Code → See Brief menu operation. (b)Funding: Accept money from the Depositor. Funding to be done here by clicking Transaction Required – Yes → Transaction Creation During - A/c Opening or A/c Verification. Note A/c ID on AOF & Pay-in-slip. Also note Trans. ID. (c)If failed to fund, then 1st Supervisor to verify New A/c opening as per Sl. No.4 below. 4.Supervisor to verify New A/c opening. (Menu:- TD/MIS= MISAVF/TDACTOPV/CMISAOPV; SCSS= CSCAOPV/SCSSAV). Function – V-Verify →A/c ID →Go →Submit. See Brief menu operation. 5.If failed to fund on opening, perform funding (Menu = TRCDP/CTM for Cash & TRTFR / CXFER to transfer). Supervisor to verify Funding in same menu option 6.Print Pass Book (Front page & Transaction page) & hand over to the Depositor. N.B: For TDA category (RD, TD, MIS, and SCSS), it is better to select “Transaction Creation During: A/c Verification”. The financial risk factor will be less. If funding is happened on Verification of account, then another Supervisor / Postmaster has to verify from the menu “HTM”.But it is not available at present. 1.Steps 1 to 4 are same as PPF/SB/SSA a/c. 2.Invoke New A/c opening menu (Menu:- KVP / NSC = CSCOAAC / NSCAO). (a)New A/c opening: Function – O-Open → Give CIF → Type →See Brief menu operation for details. (b)Funding: Accept money from the Depositor. Funding to be done here by clicking Total Deposit Amount → Denomination Amount –Select denomination →No. of Units →. Note Regd. ID on AOF & Pay-in-slip. Also note Trans. ID. (Denomination cannot be changed later). 3. Supervisor to verify New A/c opening - (Menu:- KVP / NSC = CSCOAACV / NSCAOVF). Function – V- Verify →A/c ID → Go →Submit. See Brief menu operation for details. 4.On verification of New CC account, Transaction ID gets generated. It is to be posted through the menu option HTM. But those are in entered mode are to be posted through CTM. 5.Print Certificates (Menu:- KVP / NSC = HDRP) one by one, Note the Certificate No., & A/c ID on the AOF in the space specified & hand over to the certificates to the Depositor. Cash Certificates (KVP & NSC) and MIS/ PPF / RD / SCSS/TD A/cs can also be opened by local cheque. (AT Par cheques to be treated as local cheque and no collection fee is required). By POSB Cheque: In the Account opening screens, there is a field for entering Cheque details. This field is meant for entering POSB Cheque only and is available only for NSC, RD. For other schemes, there is no option to enter the instrument type and number. It is always better to use funding by Transfer. Non-DOP Cheque (other bank Cheque): Cheque amount for New Account opening of RD/ TD/MIS/ SCSS/ PPF/Certificates by other bank Cheque is credited to office A/c 0382. While regularizing the outward clearing zone, by default the current date is the cheque cleared date and there is no option to enter actual cheque cleared date. While funding new MIS/SCSS/TD/RD/NSC/PPF accounts, actual cheque cleared date should be entered in the Value date field and cheque details in Remarks field so that the same comes in remarks column of LOT. The amount is debited from office A/c 0382. TDA Category: Savings schemes which are deposited for a certain prescribed period and rate of interest or maturity value are fixed on the date of open are cover / come under TDA category. CCs / MIS / RD / SCSS /TDs are come under TDA category. RD TDA (TD / MIS / SCSS) KVP NSC (25 A/cs only can be opened in AOF) / one A/c open by Cheque ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 13 of 103

  14. Account Closure – Normal (All schemes) – (Menu Operations are given in respective schemes) Closure flag updation: KVP/MIS/NSC/RD/SCSS/TD A/c getting closed during counter hours and verified get updated with closure flag on the same day during EOD (HSCOLD) by auto execution of HTDBATCH program. Further, repayment A/c information is also got updated. Hence utmost care may be taken for the following works/items. (W.e.from April 2015) 1.If any mistakes is done in closure and amount getting credited to the KVP/MIS/NSC/RD/SCSS/TD A/c itself, such issues should be rectified before commencing EOD for the day. Once the closure flag gets updated, the amount cannot be withdrawn by any mode either by changing account number in the backend or by executing batch job at CEPT level. 2.SB accounts marked as repayment A/c of closed dependent accounts (KVP/MIS/NSC/RD/SCSS/TD A/c closed on to-day i.e. date of BOD) will continue to show error, if closure of said SB A/c is attempted on the same day, as the closure flag update happens during EOD (HSCOLD) only; such SB accounts can be closed on the next day. Before closure ensure that 1.Lien / Freeze if any have been revoked. 2.For RD & PPF ensure loan if any has been repaid and loan a/c is closed. 3.For SB the list is given at SB Module. Standard Close Mode – Any one appropriate option to be selected at the time of closure: Close Mode/ option Explanation 1 C-Cash only For below 20000. Needs to run HCASHPND for cash transfer to teller a/c. 2 B-Both Money can be transferred to both Cash mode and repayment a/c, do not use it. 3 R-Repayment a/c only Money goes to the Repayment A/c specified (Savings Accounts) or to Office A/c Basic. 4 N-Customer Instruction Money goes to the Sundry deposit placeholder. Scheme Sequential workflow / steps of Account closure Note: Running of HACINT not required for closure in April. 3) Conditional Pre-mature closure (closure before maturity & depositor is alive) 4) PSS closure (Protected Savings Scheme) CC : (KVP / NSC) principal amount and interest amounts can be seen.Then select Cancel. Do not click on Submit. 2.Generate Report through HPR, Print and file with documents. Maturity value can be seen here. 3.Obtain receipt from the depositor on the back side of the certificate. Proceed for Final Closure. 4.Final Closure: A/c wise – One by one Certificate; Menu: CSCCAAC/NSCAC OR Bulk Closure Registration No. wise (all certificates or 50Nos at a time whichever is less); Menu –CNSBCV. Maturity Closure (encashment) - A/c wise (a)A/c wise Closure (Menu- CSCCAAC/NSCAC): Function Z – Close →Product Type- Select NSC or KVP …… Select NSCs for closure one by one by checking the Close Box ……→ Closure Reason - (NORML – Normal) → Click on Submit for verification. Note Tran IDs. (b)Supervisor to verify - Menu –CSCCAAC/NSCAC; Function – V – Verify. (c)Pay the amount (Cash or cheque) to the depositor. (d)If paid by cash (below 20000/-) run HCASHPND & Supervisor to verify in HTM. S.Os is authorized for normal closure of all schemes except PPF. No Trial Closure for PPF & SB. Trial Closure is mandatory for other schemes. See Brief menu operation for details. If due date falls on a holiday, close the A/c on next working day. Closure on previous / preceding date is treated as premature close. There are four types of closure as under– Closure Type 1) Normal / On-Maturity closure All schemes 2) Death (Claim) closure All schemes All schemes except SB / PPF. For SB / PPF every closure is normal, when depositor is alive. RD 1.Perform Trial Closure (Menu: HCAACTD). Function – L –Trial Close → Go. The details will be shown; the interest details are highlighted for the record. On selecting Close option, the Applicable to POSB scheme ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 14 of 103

  15. See bulk closure option for details → Maturity Closure (encashment) - Bulk Closure (Take care of closure)– Registration No. wise (a)Bulk Closure (Menu-CNSBCV): It is used to avoid A/c wise Closure. At a time under one Regd. No. up to 50 certificates can be encashed. Only Cheque payment or fund transfer is allowed. (b)Select Z-Close → Enter Registration number and CIF ID → Enter the repayment account (Cash payment not allowed) …. → Submit. Note Trans ID if any. (a)Go to HPR and see Bulk Closure Success or failure Report after 10 minutes. 5.Supervisor to verify – Menu: CNSBCV 6.If the amount deposited in Postmaster’s cheque a/c, give cheque to depositor. PMC of NSC (encash before maturity): Normally there is no PMC of NSC except a few conditions i.e. forfeiture, Court order, order by Ministry of Finance, Death claim (illustrated separately). 1.Invoke menu CSCCAAC or NSCAC. Select Z-Close → ……. closure value date will be BOD date….. Input the closure reason code as one of the (OBMIN- Order by Ministry of Finance; FORFT - forfeiture of certificates). Mode of repayment is "Transfer" only and "Cash" mode is not allowed. PMC of KVP (encash after 2 years and 6 months from issue date): Same as PMC of NSC. 1.Note the office a/c for principal & interest. Check for repayment a/c (Prefer transfer of amount). 2.Calculate PMI manually as admissible and note it. 3.Then use CTM / CXFER / HTM / HXFER depending upon payment type (cash or transfer). 4.1st pay the Principal. Then pay Interest (PMI). Thereafter close the A/c & print report in HPR. 1. Modify PAN, Income & Tax Information in CIF. (Menu: CMRC). 2.Supervisor to verify – Menu –CMRC / CIFMD; Function – V-Verify. 3.Update Form 15G/15H in the A/c (Menu: CASBAM). 4.Supervisor to verify – Menu –CASBAM/QDEMSA ; Function – V-Verify. 5.Invoke HACLI for the A/c and ensure interest amount is calculated and posted. If not run HACINT. 6.Attempt Account closure in menu HCAAC. Message may come to collect TDS charges & “Run HACINT" (“Run HACINT" comes if closure in HCAAC is attempted before interest posting). 7.Collect TDS charges using menu HCACC (Function – O-Collect) & 8.Supervisor to verify TDS – Menu –HCAAC; Function – V-Verify. 9.Invoke menu HCACC & proceed for closure. Supervisor to verify closure – Menu –HCAAC. 10.If TDS not due, but deducted, then refund using Menu –HRFTDS. There is no Trial Closure for SB and PPF. It is required to see closing interest and balance outstanding. 1.To know the closing accrued interest till date (for completed months) the user has to execute HACACCR menu (HACACCR menu operation: Enter the A/c Id, wait for the name of depositor to appear. Compare name of depositor to ensure that correct account number is entered. Keep the field 'From Date' as blank and Enter BOD date in the field ' To date' and submit. 2.See the accrued Interest Report either in HPR or through HAITINQ menu. The closing accrued interest will be arrived after rounding off the amount shown in HPR to next rupee. 3.Use menu HACLI/HACCBAL to know closing balance. Add the closing accrued interest to closing balance and amount is to be shown to depositor. If he agrees, actual closure has to be done. (In case SB7A is received from BO for closing sanction of a Savings Account, this amount is to be entered in SB7A with the remarks that "This sanction is valid up to last working day of the current month" . Sending closing sanction to BO should be avoided in the last week of the month). (A)SB Alive A/c Closure (See Brief menu operation for details. Sl. No.3 is optional) (1)Delete / Destroy unused cheque leaves. Remove Standing Instructions (Menu- HSSIM / HSIM)/ Credit A/c (Menu- CASBAM / QDEMSA) information & Supervisor to verify. (2)Calculate closing accrued interest – Menu: HACACCR. View/Print report in HPR. (Use for BO A/c) (3)Withdraw the amount & make balance zero (0) (Menu: CTM or CXFER as the case may be. CXFER is normally used for claim cases). If “user hook error” comes, then ignore the step & go to step-4. (4)Use Menu –HCAAC/CLOSE; Function–Z-Close →…. (See Brief menu operation for details.) (5)Supervisor to Verify – Menu –HCAAC/CLOSE; Function – V – Verify. (6)Print the Pass Book (Menu: HPBP) (7)Take aquittance and Pay the amount to the Depositor. (B)SB Dormant (Silent) A/c Closure (1)The account status to be modified to Live before closing it (Menu: CASBAM). Change SB account status from Dormant to Live. Supervisor to Verify – Menu –CASBAM. (2)Then follow SB Alive A/c Closure procedure. Disconti nued Scheme NSS-87 PPF SB & ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 15 of 103

  16. (C)PPF Closure (without loan) (1)Invoke HCAAC menu. Interest for current financial year will be calculated and posted in the PPF account. System generated transaction ID will be created. Note Trans ID. (2)Supervisor has to verify the account closure using HCAAC menu. (3)If the Tran ID (generated in step (1)) is in Entered state, then the error message ‘Pending verification exists for the account’ will be displayed. (Tran ID if not noted use HFTI to get it). (4)Then In Counter PA login, in HTM– Modify option, this Tran ID is to be posted. (5)In Supervisor login, in HTM, this Tran ID is to be verified. (6)Then in HCAAC menu, the closure has to be verified by Supervisor. (7)Print the Pass Book (HPBP) and pay the amount to the Depositor. (D)PPF Closure (with loan) (1)Repayment loan using CPDTM menu in Counter PA login. (2)Supervisor has to verify the transaction in CPDTM menu. (3)CLPR menu (PROCESS) has to be invoked by Supervisor for processing loan account. (4)Then, invoke menu HACINT to calculate and post PPF loan account interest. (5)Menu CPWTM. Loan interest has to be paid, if the PPF account is not matured. Loan interest has to be recovered, if the PPF account is matured. (6)Invoke HCAAC in Counter login to close PPF loan account. (7)Supervisor to verify PPF loan account closure (Menu: HCAAC) (8)To close PPF account, follow the procedure for closure of PPF account without loan. Maturity Closure without RD Loan(See Brief menu operation for details for different closure.) 1.Menu CRDCAAC / RDACLM. Perform Trial Closure; Function – L – Trial Close. 2.If Trial is perfect, go for Final Closure. Menu CRDCAAC / RDACLM. Function – Z – Close. 3.Supervisor to Verify – Menu - CRDCAAC/RDACLM; Function – V – Verify. Maturity Closure with RD Loan 1.First Loan to be repaid. Menu HPAYOFF - Function – P - Pay off Loan Amount (Do not take final RD Loan repayment in HLAUPAY / HLASPAY. Interest will not be calculated). 2.Supervisor To Verify – Menu –HPAYOFF– Function – V-Verify 3.Close RD Loan A/c. Menu CAACLA - Function – Z – Close. 4.Supervisor To Verify – Menu –CAACLA – Function – V-Verify. 5.Then follow the procedure for Maturity Closure without RD Loan. In both the above cases including discontinued RD A/cs which are closed after completion of five years, RD Loan interest will be calculated at the rate applicable on the date of loan disbursement. Premature Closure of RD A/c where loan is outstanding 1.First loan to be repaid, Loan A/c to be closed and then RD PMC can be done. But better - 2.Close directly. Menu CRDCAAC. Function – Z – Close. System automatically deducts RD Loan amount and calculates interest on SB Rate of interest. RD Loan balance becomes 0 but account will not be closed. Supervisor to Verify – Menu - CRDCAAC/RDACLM; Function – V – Verify. Premature Closure of RD A/c without loan 1.Invoke menu CRDCAAC / RDACLM. Function – Z – Close. Exception may be displayed. 2.Accept the exception and close. (Be careful while doing PMC). PrematureClosure within 3 years: with in the lock in period a supervisor to create the transaction and another supervisor or postmaster to verify. See Brief menu operation for details. Pay out interest due if any. Then perform Trial Closure (HCAACTD). Show the same to the depositor. On confirmation, perform actual closure (Menu: TD/MIS- HCAACTD / TDACTCL; SCSS- HCAACTD). Auto extended TD A/cs: There should not be any penal interest (lessening / deduction of Interest rate), if the depositor closes the A/c before completion of extended period. But interest will be paid as specified under rule 7 (rate of interest), for the completed years not exceeding the period for which the deposit was made (extended). E.g. (1) Extended for 3yrs, but kept for 5yrs. 3yr TD interest will be paid for 03yrs & PMI for 02yrs. (2) Extended for 1yrs, but closes before it. No penal deduction. Obtain permission from appropriate authority. Transfer to Exceptional scheme code of the concerned scheme. Then perform closure. Process differs for schemes. (See Brief menu operation for details.) Closure payment by Cheque at S.Os having no cheque drawing power: “S.O. may perform closure, but must not verify. View amount to pay. Accordingly do cheque requisition. On receipt of cheque, A/c is to be verified. It will come in the LOT on the day of verification.” RD TD/MIS / SCSS (See Brief menu operati on) Irregular A/c ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 16 of 103

  17. Account Closure - Death Claim (All schemes) – (Menu Operations are given in respective schemes) Death Claim Closures are regulated as per POSB Revised Rule 87 of POSB Manual Vol-I and Rule 50 of POSB Manual Vol-II, SB Order Nos.25/2010, 2/2011(Clarification to 25/2010), 21/2011, 8/2014, 4/2015, 7/2015. All payments of deceased claim cases will be paid by crossed cheque or credit to Savings Accountonly (SB Order No. 25/2010,8/2014 & 7/2015). POSB Schemes / Accounts that can be continued/converted after death of depositor. 1.Joint A/c: Surviving Joint A/c holder(s) within the prescribed limit. 2.Single A/c: By nominee(s) for KVP, NSC 8th,NSC 9th, RD, SCSS, and TD. 3.SB Pension A/c can be converted to name of spouse getting family pension. 4.PPF, SSA, Single MIS & Single SB A/cs has to be closed. No other option. Scheme Sequential workflow / steps of Death Claim Closure (AlsoSee Brief Menu operation for details) Common for all schemes nominee or legal heir who does not claim along with other ones. Penal interest/penal fee, is not to be collected and user can select penal interest as NO during the account closure. Reason code, “DTCLM-death claim” should be selected. Mode of repayment is "Transfer" only and "Cash" mode is not allowed. 1.Modify the CIF (Menu-CMRC). Function- M-Modify →Give CIF ID →Go → In Customer Status select“Deceased” →Give Date of Death → Submit. On giving death information CIF will be changed from Active to Deceased. For other SOL claim closure see “Inter SOL Transactions”. 2.Supervisor to verify – Menu CMRC / CIFMD; Function –V-Verify. CC : (KVP / NSC) of death ….. See Menu operation for details. Supervisor to verify – Menu: CSCCAAC / NSCAC. PPF & SB (See Brief Menu operation for details) SB: 4. Supervisor to verify – Menu: HCAAC / CLOSE; Function –V-Verify. RD RD Closure procedure to be adopted as explained above. TD/MIS (See Brief Menu operation for details) death is 3 years. The closure value date is 5-3-2013. TD/MIS: 4. Supervisor to verify – Menu: HCAACVTD / TDACTCLV; Function –V-Verify. SCSS SCSS: 3. If pre-mature closure, to be initiated by Supervisor (Menu- HINTTM), give SCSS A/c No.& choose SBRATE giving start date as Date of death. Another Supervisor to verify (Menu- HINTTM). (SCSS claim closure is to be done at the PO having more than one Supervisor preferably at HO) SCSS: 4. Then, invoke closure Menu- HCAACTD & perform closure. If SCSS A/c is matured one, step- 3 is not required. Supervisor to verify – Menu: HCAACVTD. N.B.: Withdrawal / closure other than SB, If paid by cash (below 20000/-) run HCASHPND for adjustment of cash (Debit – Repayment placeholder a/c / Sundry a/c placeholder; Credit - Teller A/C) & Supervisor to verify in HTM. Death claim sanctioning power (Amount in INR) of different authorities (SB Order No. 25/2010, 02/2011) Authorities With Nomination SB Manual process of claim cases needs to be completed. All the nominees or legal heirs have to come together to claim amount as there is no provision to keep the amount in the account for the 3.Invoke closure Menu (CSCCAAC / NSCAC). Select Z-Close → ……. closure value date will be date PPF:- 3. Pre-mature or matured closure (To be initiated by Supervisor) Menu: HCAAC / CLOSE. PPF:- 4. Another Supervisor to verify – Menu: HCAAC / CLOSE; Function –V-Verify (PPF claim closure is to be done at the PO having more than one Supervisor preferably at HO) SB: 3. No pre-mature closure. All are normal closure (Menu: HCAAC / CLOSE). TD/MIS: 3. Pre-mature or matured closure, invoke Menu-HCAACTD / TDACTCL. For Pre-mature TD claim closure, the closure value date should be previous completed year of TD tenure. E.g. 5year TD opened on 5-3-2010. Depositor dies on 18-07-2013. Death claim closure done on 25-10-2013 (after 3 years, 7 months and 20 days). Completed year of the TD tenure as on date of With legal evidence SB Without legal evidence / Nomination SB SC SC SC Time Scale SPM SPM in LSG (norm based) SPM/DPM/PM in HSG (all non Gazetted) DPM/Sr.PM / Dy. Chief PM / SPO’s (all Gazetted Gr-B) Chief Postmasters in HO/SSPO’s (all Gazetted Gr-A) Regional Director/ Director GPO (Mumbai & Kolkata) Chief Postmaster General / Postmaster General (HQ and Region) 1000 Full 2000 Full Full Full Full Full 1000 2000 Full Full Full Full 1000 1000 Full Full Full Full Full 1000 2000 5000 20000 50000 75000 100000 2000 5000 20000 50000 75000 100000 Full Full Full Full ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 17 of 103

  18. SB A/c: In cases where there is nomination or legal evidence and the amount exceeds the powers of the Time Scale S.P.M or LSG/HSG SPMs, the claim shall be sanctioned by the Head Postmaster concerned after necessary scrutiny of the documents to whom such cases will be referred by the sub postmaster. RD, MIS & SCSS deceased claim cases (SB Order No. 14/2009 Dt.25.11.2009, 14-A/2009 Dt.02.02.2010 & 25/2010 Dt.23.12.2010) RD, MIS : The power of sanction of deceased claim cases of RD and MIS accounts where nomination is registered in the Sub Post Office has been delegated to all SPMs except Single and Double handed offices irrespective of the amount at credit in the accounts with effective from 1.12.2009. In case of RD/MIS, all SPMs except those posted in single and double handed post offices can sanction claims irrespective of any balance if nomination is registered in their office. SCSS: In case of SCSS accounts all SPMs are authorized to sanction deceased claim cases where nomination is registered irrespective of the amount involved. In SCSS, all SPMs can sanction claims irrespective of the amount in balance if nomination is registered. Claims relating to Savings Bank Accounts and Savings Certificates shall be treated as separate and the prescribed limit shall be applied separately for each account or purchase application. Without the production of legal evidence at the discretion of sanctioning authority up to the limit fixed by Min. of Finance which is Rs. 1,00,000/- at present. If the claim exceeds the prescribed limit which is now Rs. 1,00,000/-, the claimant should be advised to obtain a succession certificate from a competent court of law or produce the probate of a will or letters of Administration of Estate of the deceased. Account Extension / Redeposit /Reinvestment /Renewal (All schemes) (a) Command / Menu: Account Extension Work Item / Purpose Operator Menu Supervisor Verify (V) / Transaction (T) Menu Menu HCEXTN HPRDCM PMDDRD HTDREN HTDREN 1 2 3 4 5 A/c Extension/Redeposit/Reinvestment/Renewal Extension of PPF for next 05 years Extension of RD for next 05 years Extension (Deferment) of RD maturity date Re-deposit/ Renewal of TD Extension of SCSS for next 03 years HCEXTN HPRDCM/PRDCM PMDDRD TDRED / HTDREN HTDREN Type V V V V V Account Extension / Redeposit / Renewal /Reinvestment (All schemes)– Brief Procedures (for Menus see respective schemes) Scheme Sequential workflow / steps of extension (AlsoSee Brief Menu operation for details) Extension / Renewal continued with fresh deposit and such deposits are made by MPKBY / PRSS Agent. PPF On maturity, depositor at his liberty may extend the PPF A/c for a block period of 05 years at a time subject to maximum 03 blocks (15years) i.e. a PPF A/c can be made operational for maximum 30 years (15+5+5+5=30years). Menu –HCEXTN. Supervisor to verify Menu –HCEXTN / PPFAEXT. RD Extension of RD in Finacle is automatic on the day of maturity. On the day of maturity, during EOD, eligible RD accounts where 60 months installments are deposited will be extended for a further period of 60 months. During extension, depositor at his liberty may continue with or without fresh deposit and may close the A/c at any time if there is no advance deposit. If any account is missed, it can also be extended manually using PRDCM menu. Supervisor to verify – Menu- HPRDCM. Deferment of RD maturity date: Customer has the liberty to have maximum of 4 defaults on the day of maturity. In this situation, Maturity date of RD can be deferred equivalent to the number of defaults (Menu PMDDRD -Maturity Date Deferment for Recurring Deposit). During the deferred period, defaults deposits can be paid without default fee. Supervisor to verify with same menu. TD Redeposit / Renewal (Not allowed through Agent) of TD in Finacle is automatic on the day of maturity for principal amount only and for the same period as original (e.g.: 1yr TD as 1 Yr TD; 5yr TD as 5yr TD). If any account is missed, it can also be extended manually using menu TDRED / HTDREN. Supervisor to verify Manual extension – Menu- HTDREN. Extension / Renewal are available for PPF, RD, TD & SCSS. Agent commission is allowed only for RD ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 18 of 103

  19. On maturity, depositor at his liberty may extend the SCSS A/c for a further period of 03 years. Such extension should be done within 01year from the date of maturity for principal amount only. Menu- HTDREN. Function R-Renewal. Supervisor to verify with same menu. It means that maturity value of a scheme to be re-invested in any of the TDA type POSB schemes (Certificate / MIS / TD / SCSS). To re-invest, in addition to closure documents, the depositor needs to fill up the re-investment form (Ref. SB Order No.24/2010) or write details on the receipt side of closure form and AOF, if required (Ref. Scenario-14 of SB Order No.07/2015 for details. The same is reproduced in short under Inter SOL Transaction Module). Uses of Office Account 0387 for re-investment has been discontinued vide SB Order No.07/2015 dated 18.06.2015. No re-investment should be accepted if customer does not have a savings account in a CBS Post Office or customer is not ready to open new savings account, in such a case, payment should be made by Postmaster Cheque only. Closure of the A/c to be performed and the total maturity value + interest should be credited/ deposited to customer’s Savings Account from where re-investment to be made. Procedure of Reinvestment: (a)Customer should be asked if he/she has a Savings Account in any CBS Post Office. If yes, then signature in that account available in the system should be tallied with the signature on the Closure Form or Certificate & if not, customer should be asked to open new Savings Account under the same CIF (fresh KYC documents and Form should be taken if account/certificate matured belong to pre-migration period). Customer should write on the receipt side of the Account Closure Form or Certificate, the amount to be re-invested, name of scheme and Savings Account number under his/her signatures (OR re-investment form as per SB Order No.24/2010 can be filled). (b)If new AOF is presented for re-investment, under the filed "Mode of Deposit", he/she has to write Savings A/c No. No separate withdrawal form is required. (c)This transaction has to be treated non-cash transaction for the purpose of eligibility of commission to agents (if AOF contains detail of agent). Once Postmaster/Sub Postmaster is sure about genuineness of the depositor (from signatures/ photograph/ any other identification), total maturity value + interest should be credited into that Savings Account and then amount to be re-invested should be debited/withdrawn from this savings account and credited/deposited in the concerned new account while funding. Account Transfer (All schemes) – Brief Procedure (for Menus see respective schemes) Transfer of account from CBS Post Office to Non-CBS Post Office and vice versa is not allowed. Before issue of AT, list of CBS Offices should be consulted from DMCC Chennai website and if that post office is already in the list of CBS Post Offrces, AT should not be issued. Account holder should be advised accordingly.  Advice of Transfer (AT) issued by a non CBS HO (for SOSB) received at CBS HO or SO. All the H.Os in Department of Posts have since been migrated to CBS, issue of AT for HOSB does not arise. There is possibility of issuance of AT from SOSB. Account Holder should be contacted and requested to provide name of any nearby non CBS Post Office for opening of account. On getting such information, account will be opened on transfer in that office.  An account holder applies for transfer of account to any other HO or SO at CBS or Non CBS Post Office. Postmaster or Sub Postmaster of SO/HO where transfer of account is applied will go to DMCC Chennai website to see list of CBS Post Offices and confirm that post office to which transfer is applied is not a CBS Post Office. If SO is completely manual and unable to see the list, it will be the duty of HO that before issue of AT, list should be consulted and if that post office is already in the list of CBS Post Offices, AT should not be issued. Account holder should be contacted and asked to submit name of any nearby non CBS post office.  Inter CBS Post office Transfer: There is no need of transfer within Inter CBS Post office. For details of Inter CBS Post office Transactions (INTERSOL TRANSACTIONS) see module “Other Office Transactions”.  PPF can be transferred in / out to & from Non-CBS PO or Bank. For details, see PPF Brief menu operations. SCSS Reinvestment (Also allowed through Agent) ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 19 of 103

  20. Agent Portal (Business, Commission & Management) (b) Command / Menu: AgentPortal Work Item / Purpose Operator Menu Supervisor Verify (V) / Transaction (T) Menu Menu HDSAMM 1 Agent Portal HDSAMM Type V Create Direct State Agent (DSA) ID / DS Agents Master Maintenance DSA Parameter Setup Agent Inquiry Agent Transactions - Agent Bulk Posting Menu View / Modify attachment of Agent to RD a/c Posting Bulk PRSS Agent list 2 3 4 5 6 HDSAPM HDSAIP HAGTXP / RDAGBPHAGTXP CRDACM HAGTXP/ CPAGTXP HDSAPM ---- V V V V CRDACM HAGTXP/CPAGTXP Important:- 1. Copy of Document / Information to be obtained from Agents (for New ID creation / Renewal) – Authority letter, PAN Card, KYC compliant CBS SB A/c No.(Single A/c), DSA ID (MIG Code in case of renewal). 2. A MPKBY list should contain maximum of 50 RD accounts or it should not exceed Rs.10,000/- if paid in cash whichever is applicable. RD loan repayment is not allowed to be made through Agent Portal. The same has to be done across the counter. PRSS List can contain maximum 500 RD accounts. One cheque is used for one e-banking reference. One cheque must not be used for more than one e-banking reference by MPKBY Agent. Agent linked accounts cannot be paid across the counter until the same is reversed. Agent Portal – Brief Menu Operations Creation of Agent on Finacle. (It is better to use Function- C-Copy instead of Add, selecting appropriate SOURCE DSA ID. Target DSA ID to be entered by the operator & required modifications to be done). for 1000, 5000, 10000, & 50000 respectively). After adding all scheme codes, click Submit. Supervisor to verify – Menu –HDSAMM; Function – V – Verify Modify / Renewal of Agent required modification → For renewal modify the License date. . Supervisor to verify – Menu –HDSAMM. If error comes “unverified A/c exists”, then do as under. Function –I-Inquiry →DSA ID →Go→ Click on Inquiry Tab → Select related A/c inquiry → FromScheme code (scheme for which error was displayed in Modify screen) → V-Verify – No → Go (Displays the unverified A/c exists under the DSA ID). Act accordingly (e.g. Verify or Cancel). Linking Agent ID to new A/c at the time of Opening of A/c TD/MIS– CMISAOP / MISAO, SCSS- CSCAOP / SCSSAO Linking Agent ID to Existing A/c after a/c is opened TD/MIS– CMISAM/MISAMAV, SCSS - CSCAM / SCSSMAV Function –Add →DSA ID (Do not give space, dot or any special character) →Click on Go →(Fill data for General tab) - DSA Name →Address → License No. →Commission Credit A/c ID – DSA SB A/c →Tax Code (mandatory) – TDSAG →License Expiry Date →Free Code – Agent Type – Select Searcher →Click & Fill data on Product Tab→Scheme Code – Select from searcher (e.g.: RDIPN, MISN1, NSC91) →Payment Frequency – Daily →Holiday – N →Pay Commission – Yes →Subvention Reversal Credit Placeholder A/c - 45089000→Click on Submit → OK. To add KVP New to Agent select M-Modify & add KVN3, KVN4, KVN5 & KVN6 HDSAMM Never select KVP. Function –M-Modify →DSA ID →Go→ Click on General Tab → Perform HDSAMM SB- CASBAO / QDESA, RD– CRDOAAC / RDAOCM, Agent / Employee Code – Click on Agent Radio Button →Select Code from the List →Click on Submit to Verify (For old A/c-Function: M- Modify) Supervisor to verify – Function – V – Verify New A/c can be opened through Agent Schemes: MIS, PPF, RD, SCSS, TD, KVP & NSC (8th & 9th Issue). Subsequent deposits can be done through Agent for Schemes: PPF & RD. for SB– CASBAM / QDEMSA, RD - CRDACM / RDAMM, ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 20 of 103

  21. MPKBY Agent RD Transactions – Brief Menu Operations Initiating Transaction through Agent Portal by MPKBY Agent / Super Agent (RD A/cs) or Non DOP cheque mode is selected →Pay all saved Installments. Note Reference No. Generate Report Reports →From Date →To Date →List Reference No. – Give Payment Reference No. →Status – Success. Search →PDF File – OK →Save or Print the report →Sign Out Initiating Transaction through Agent Portal by Super Agent Button against which transaction is to be done →No. of Installments →Click on Get Rebate & Default Fee →Save →Repeat process for all accounts selected →Enter cheque details if DOP or Non DOP cheque mode is selected →Pay all saved Installments. Note Payment Reference No.→ Generate Report →Sign Out. Posting the reference no. in Finacle Supervisor to verify – Menu –HAGTXP; Function – V – Verify. Menu - HPR→Transaction status report On accepting the MPKBY Agent RD list by Counter PA, the commission is credited to Agent’s commission paid SB A/c and TDS is credited to specific office A/c (a system A/c). Counter PA is advised to verify Agent’s commission paid SB A/c to ensure that commission is credited at par with list. Any discrepancy to be brought to the notice of Supervisor who can verify the list with care. If required, refund the amount to agent for fresh preparation of e- banking list. SAS Agent for CC/MIS/PPF/TD/SCSS – Brief Menu Operations Besides MPKBY Agent, there are Agents under SAS who brings business on CC/MIS/PPF/TD/SCSS A/cs and get commission paid on completion of transaction. The commission is credited to Agent’s commission paid SB A/c and TDS is credited to specific office A/c (a system A/c). Reversal of excess commission & TDS Due to various reasons in real scenario, the agent commission is paid excess resulting excess TDS also. Such as Account is opened with a wrong agent name / ID or wrong deposit amount or wrong date of opening. In A/c open, clicking on Submit more than once when System is unresponsive. For reversal, identify the Transaction IDs from Agent’s commission paid SB A/c by clicking on transaction date. Note the Transaction IDs & amount and inquire in HFTI. It will be seen that 1.First transaction SOLID+0251(system commission account) shows total commission -a debit transaction(D) 2.Second transaction agent SB account credited commission (after TDS) - a credit transaction(C) 3.Third transaction SOLID+321(system TDS account) shows TDS amount –a credit transaction.(C) As two are system A/c, reversal cannot be done directly. Keep the screen shot of error screen of HFTI. Complete the verification. The send the error screen to CBS-CEPT / CEPT-FSI Team, Chennai to make the said system accounts to convert as Non System accounts. On receipt of approval, use HTM, Trans type: Customer induced and do the reversal as under. 1.First select credit, give A/c ID as SOLID+0251, amount as noted - this is a credit transaction(C) 2.Then click on Add, select debit, give agent SB account, amount - this is a debit transaction (D) 3.Then again click on Add, select debit, give A/c ID as SOLID+0321, amount - this is a debit transaction(D) 4.Then finally click on Post, note the transaction id and verify the same in Supervisor login in HTM. 5.On successful reversal, intimate CBS-CEPT / CEPT-FSI Team, Chennai to make the same as system accounts. On confirmation, EOD can be started. Changing Agent Commission A/c: Normally it should not change. If requires due to unavoidable circumstances, do as follows: Change the A/c in HDSAMM. Verify it. Then accept transaction and give correct DSA ID. Then only the commission will be credited to new (modified) SB A/c. TDS on commission @10% to be deducted from 01.06.2007 (SB Order No. 3/2007), there will be no surcharge & education cess from 01.04.2010 (SB Order No. 11/2010). User Name →User Login P/w →Accounts →Agent Enquire & Update Screen →Select an account in which transaction is to be done → (You can select multiple accounts also) → Select Mode – Cash or DOP Cheque or Non DOP Cheque →Save →Click on Radio Button against which transaction is to be done →No. of Installments →Click on Get Rebate & Default Fee →Save →Repeat process for all accounts selected →Enter cheque details if DOP User Name →User Login P/w →Click on Agents →Select Agent →Click on Fetch Accounts →Select an account in which transaction is to be done →You can select multiple accounts also → Select Mode – Cash or DOP Cheque or Non DOP Cheque →Save →Click on Radio Function – M –Modify →E-banking ref no. –Give ref no. from the agent’s report →Go →Save/ Submit. (No need to debit office A/c 0017 or 0382) HAGTXP ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 21 of 103

  22. Percentage of Agent (SAS / MPKBY / PRSS Group Leader) Commission From Date SB Order No. SSA PPF & SCSS Nil Same as above MIS, NSC, TD 0.50 KVP (from 17.11.2014) 0.50 1.00 RD - MPKBY RD - PRSS Gr. Leader 2.5* Same as above 01.12.2011 15.07.2015 Cash (in INR) limit of Agent (SAS / MPKBY / PRSS Group Leader) in one schedule / Receipt From Date SB Order No. NSC, TD 01.12.2011 * PPF. SCSS- 10000/- 01.07.2015 08/2015 No Cash for PPF. SCSS- 20000/- * Exact date & SB Order No. not known. 01.12.2011 is taken as base. Percentage of Commission to GDS BPM for TD Opening (Dte letter No. 48-2l88-SB dated 21 .02. 1989 & SB Order No.07/2013) 1 Year Time Deposit 0.5 2 & 3 Year Time Deposit 1.00 5 Year Time Deposit 2.00 Cash Certificates: KVP / NSC (a)Command / Menu: KVP/NSC Work Item / Purpose 29 & 32/2011 08/2015 Agent Not allowed 4.00 Same as above PPF & SCSS MIS, KVP 17.11.2014) 10000/- (from RD - MPKBY 50Nos. or 10000/- RD - PRSS Gr. Leader 500Nos. Cheque Re- investment By Transfer No limit 10000/- * No Cash for No limit 20000/- 20000/- 20000/- Same as above No limit By Transfer No limit Operator Menu Supervisor Transaction (T) Menu Menu CSCOAACV/NSCAOVF V Verify (V) / Cash Certificates: KVP / NSC KVP/NSC Open Account KVP/NSC New Account Modify before Verify KVP/NSC New Account Modify after Verify Printing KVP/NSC Reprint KVP/NSC Duplicate certificate printing (In Postmaster’s login only) Correctness of the certificate allotment Trial Closure KVP/NSC Account wise Final Closure KVP/NSC Account wise Closing (Encash) Bulk KVP/NSC by Regn. No. NSC Report Balance Inquiry of KVP To check the pledged status of KVP/NSC A/c Important:- Only 25Nos. of certificates can be purchased/issued in one AOF. Premature closure of NSC & KVP are conditional (forfeiture, Court order, order by Ministry of Finance, Death claim). KVP/NSC which are not in CBS Finacle, cannot be discharged / encashed / closed in Finacle. KVP – Special work process (Other process /command / Menus are same as NSC) Kisan Vikas Patra (KVP) known as KVP-2014 has been re-introduced from 17.11.2014 w.r.to Min. of Finance (DEA) O.M No. 2t412014-NS-ll dated 11.11.2014 forwarding The Gazette of India Notification No. G.S,R 705 (E) dated 23.9.2014 circulated by Dept. of posts vide SB Order No. 12/2014 (Dte letter No. 113-01/2011-SB {Vol-ll) Dtd.17.11.2014. Denominations of KVP are Rs. 1,000/-, Rs. 5,000/-, Rs.10,000/- and Rs. 50,000/- and can only be issued to individuals single or jointly as under. 1.A single holder type may be issued to - (a) an adult for himself or on behalf of a minor or to a minor. 2.A Joint ‘A' type may be issued jointly to two adults payable to both holders jointly or to the survivor. 3.A Joint ‘B' type may be issued jointly to two adults payable to either of the holders or to the survivor. 1 2 3 4 5 6 CSCOAAC/ NSCAO CSCAACM/NSCAMBV CSCOAACV / NSCAOVF V CSCACM / NSCAM CSCACM / NSCAM HDRP ---- ---- HREDRP ---- HDUDRP Type V T T 7 8 9 10 11 12 13 CSCACM / NSCAM HCAACTD CSCCAAC / NSCAC CNSBCV HFINRPT HACLITD HAFSM CSCACM / NSCAM ------ CSCCAAC / NSCAC CNSBCV HFINRPT HACLITD HAFSM T -- V V T T T ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 22 of 103

  23. Transfer of KVP-2014 is permitted in the following cases. A.Transfer is permitted after expiry of at least one year from the date of purchase 1.Transfer from Bank to post office or vice versa on application in Form B. 2.Transfer from person to person (Single to Joint, Joint to Single, Single or joint to another person) on application. B.Transfer is permitted before expiry of one year from the date of purchase 3.From the name of deceased holders to his heir(s) / nominee(s). 4.From a holder to a court of law or to any person under the orders of a court of law. 5.Transfer in the name of the survivor in the event of death of one of the joint holders. 6.Pledging of Certificates - transfer of any Certificate is permitted as security (Pledge) to different authorities. C.No transfer shall be permitted for a Certificate held by or on behalf of a minor till the minor is alive KVP Transfer-in to CBS PO from Bank / Non-CBS PO KVP Transfer-out from CBS PO to Bank / Non-CBS PO KVP Transfer– Person to person Same as given for KVP/NSC. KVP Transfer- CBS PO to CBS PO No transfer is required. It is an inter-SOL transaction. Menu- HACXFSOL. For details menu operation see Inter SOL Transaction. PMC of KVP after 2 years and 6 months from KVP account open date & before maturity Cash Certificate: KVP / NSC A/c – Brief Menu Operations Open KVP/NSC A/c (Issue of KVP/NSC) Note: At present only NSC (8th & 9th Issue) can be issued by NC4a. There is no provision to issue KVP by NC4a. A/c IDs. Deposit Receipt is auto populated in Account Statement field, do not change it, else can’t be able to print certificates. Supervisor to Verify – Menu –CSCOAACV / NSCAOVF; Function – V-Verify. The system will generate Transaction ID for each issued certificate.  Note Transaction ID. Transaction ID is to be posted in HTM/ CTM / CXFER and verified. Or HTV may be used to verify posted Transaction IDs (may require verification by 2nd Supervisor or higher class user if error comes “Not Authorize to verify part trans 1 or 2”). Only after printing, certificate number is assigned to A/c No. Modify KVP/NSC A/c before verification / NSCAMBV Supervisor To Verify – Menu –CSCOAACV / NSCAOVF; Function – V-Verify Verify KVP/NSC A/c Opening / NSCAOVF Nos. & Tran IDs. System will generate A/c No. for each Denomination Modify existing KVP/NSC A/c NSCAM Supervisor To Verify – Menu - CSCACM/NSCAM; Function – V – Verify KVP/NSC issued writing manually without referring Finacle on a later time. Try to avoid practice of writing KVP/NSC manually except following cases. 1.KVP/NSC size is not getting fitted to printer. Hence printing is impossible. 2.Printer is not available or out of order to print KVP/NSC. In the above situation, before writing KVP/NSC manually, invoke HDRP, see the certificate No. & Denomination is being displayed by the system.Bring the said certificate, Complete the HDRP print commands in the system, then write KVP/NSC manually & hand over to the customer. This clause is not being implemented as of now. This clause is not being implemented as of now. CSCAAC / NSCAC Same as given for KVP/NSC PMC. Function – O–Open →Product Type– Select NSC8 or NSC9 orKVP14→CIF ID → NC4a Receipt No. – Enter No. from the manual Receipt Book, if certificates are not in the stock→ Go →Mode of Operation - Select from Searcher → Total Deposit Amount →Denomination Amount – Select denomination → No. of Units → Add new if more denominations to be given (Select denomination perfectly. Cannot be changed later on)→Transaction Type –Cash / Transfer →If Transfer is selected then enter Dr A/c ID and cheque details →DSA Information → Nomination details → Submit. Note new Registration No. & CSCOAAC / NSCAO Function –Modify →Registration No. →Go →Amend details → Submit CSCOAACM Function – Verify →Registration No. →Click on Go → Click on Submit Note A/c CSCOAACV Function – Modify →A/c ID → Go →Amend details → Submit for Verification CSCACM / Practice of writing KVP/NSC manually continues with a presumption that it can be adjusted in Finacle which proves false keeping the PA & Supervisor in trouble. In most of the cases, after entering opening information, the blank NSCs/KVPs are kept inside the AOF for writing ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 23 of 103

  24. Scheme code → CIF ID →From A/c ID →To A/c ID →A/c Open date → Go → Select the A/c No. to be printed from the list displayed → Certificate No. is auto populated (Heading: Print Srl. No.) as per availability of inventory with the user along with other information → Submit→ Displays layout of the printing → Click on Print → Select printer → Click on Print. Mistakes are often made here. Ensure the certificate inserted to the printer is exactly same (No. & Denomination) which is shown/ displayed by the system. Else cancel printing & verify, mistake if any. Complete print. Next screen “Desktop Printing confirmation” appears. “Desktop Printing confirmation” is the most important and last step in printing. Tick all the three RADIO BUTTON (Del. File from Server; Inventory used; Printed successfully), then click on PROCEED button. This is like a confirmation of Printing. Even closing “Desktop Printing confirmation” screen from windows close button (X), will be treated as confirmation of Printing. If there is any problem in printing, untick all the three RADIO BUTTON and either click on PROCEED or close the screen so that it can be printed again. Certificate number can’t be presumed before print process. After printing, certificate number is assigned to A/c No. Certificate once printed can’t be changed in the system. After printing user may go to CSCACM to confirm the certificate number got printed properly and assigned to right A/c No. On receipt of stock invoke HFINRPT. Select report “NSC account where NC4a is issued”.Provide the filter criteria and click on submit. View / Print the report in HPR. Based on this report the counter assistant can print the NSC certificates using the menu HDRP as given above by back value date against the receipt. NC4 will be retrieved and original certificates will be issued. To be done in Supervisor login. Circumstances of re-print. 1.Important: Original certificate must be intact & blank (not printed). 2.Plain paper is in the printer. HDRP executed & printed on the plain paper. 3.HDRP (Print) command executed but not printed due to printer problem. 4.HDRP (Print) command executed but screen closed / clicked on “Proceed” without removing Tick from Delete option. So that prints executed in the system & print history/queue is deleted. Under the above circumstances, KVP/NSC can be re-printed. Cif ID →From A/c ID →To A/c ID →Click on Go →Click on Submit. (To be done in login of Postmaster of HPO). Certificate holder can apply for duplicate certificates only at the CBS post office from where, certificates were issued. Process of issue of duplicate certificates should be started and completed by that CBS Post Office only. Complete all the required manual process. (SB Order No.8/2014 scenario-12)  Supervisor to give required inventory (stock of duplicate CC) of same scheme & denominations to the Postmaster ID to print the duplicate certificate. Postmaster to execute HDUDRP and provide details like CIF ID & A/c ID (From & To) for which duplicate certificate is to be printed. HDUDRP will take the current inventory either normal or duplicate as available with the user. If certificates are printed in printer, the word “DUPLICATE” is printed on the certificates. If certificates are not printed then a Rubber Stamp of “Duplicate” should be placed on the certificates where normal certificates are used. After this, new certificate number will be available under the account number / Registration No. Use CSCACM/NSCAM in PA/Supervisor login to confirm that new certificate Nos. are replaced with lost / spoiled certificates. If the any holder/customer come with old certificates, while closure, system will not have those certificates in the closure menu. Old certificate number will not be reflected in the system and user can’t be able to close the account with old certificate. Print Certificate KVP/NSC HDRP Caution→ Print NSC Certificate against NC4a HDRP Re-Print Certificate KVP/NSC HREDRP Issue / Printing of duplicate certificate (when lost / spoiled by holder) (HO will duplicate certificate for HO & SO both. SO cannot duplicate certificate.) HDUDRP issue issue ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 24 of 103

  25. Issue / Printing of duplicate certificate when customer has no fault HDUDRP Same as above with following exception: - In case certificate is wrongly printed and customer has returned or post office is in possession of wrong certificate & duplicate certificate needs to be issued either suo motto as per Rule-48 of Savings Certificates under heading “Clerical or Arithmetical Mistakes in the Issue of Certificates” or upon an application by depositor. Transfer of certificate from one person to another is to be done only once from date of issue to date of discharge. On the physical certificate, name of old customer has to be rounded and name of new customer to be added under dated signatures of Supervisor. (SB Order No. 5/2014, 8/2014) Based on new AOF, Check for CIF (CDEDUP). If not exists, Create New (CCRC). Menu-HCCA→ Function: M – Modify →A/c ID →Go→ New CIF ID – Give the CIF ID of the customer in whose name the certificates are to be transferred → Modify A/c Name – Yes→ Reason Code–D or T or C→Submit → Accept. Supervisor To Verify – Menu –HCCA; Function – V – Verify. Function: M – Modify →change Name of holder. 2nd Supervisor To Verify No transfer from PO to PO. It is an inter-SOL transaction. For details see Inter SOL Transactions. Trial Closure (For trial closure use HCAACTD) Function – L – Trial Close →A/c ID → Closure date (Auto populated) → Withdrawal Amount (Principal)- Auto populated → Go → View Tabs : A/c Information – Closure Details – Closure Exceptions for details. If it does not show Interest due, then Invoke Final Closure (CSCCAAC) to see the Principal & Interest due. But do not click on Submit. Show it to the customer. If he agrees, then invoke Final Closure (CSCCAAC) to close the A/c. Final Closure (A/c wise – One by one Certificate) Function Z – Close →Product Type – Select NSC or KVP →CIF ID →Registration No. →Go → Select NSCs for closure one by one by checking the Close Box → Close Mode – Select Cash or Transfer - If Transfer is selected then give Repayment A/c ID as SB A/c or Postmaster Cheque A/c →Closure Reason - Select from the Searcher (NORML – Normal) → Submit.. Note Tran IDs. Supervisor to verify - Menu –CSCCAAC/NSCAC; Function – V – Verify. Death Case : Modify CIF as deceased using Menu - CMRC Function Z – Close →Product Type – Select NSC or KVP →CIF ID → Registration No. → Close Value Date – Date of Death→Go → Select NSCs / KVPs for closure one by one by checking the Close Box → Close Mode – Transfer →Repayment A/c ID as SB A/c or Postmaster Cheque A/c →Closure Reason – DTCLM (For death claim) / Normal (for PMC)→ Submit. Note Tran IDs Supervisor to verify - Menu –CSCCAAC/NSCAC; Function – V – Verify Bulk discharge process discharge of all certificates issued under one registration number or 50 Nos. at a time whichever is less. If certificates are more than 50, this process has to be repeated again with same Registration number and CIF number. Payment can be made by Postmaster Cheque only or by transferring to SB account of the customer. if available . In PA Login: Select Z-Close →Enter Registration number and CIF ID →Enter the repayment account if maturity proceeds need to be transferred to PO Savings Bank of the cusomter. If POSB account not available, leave this repayment account id as blank. → Submit. Note Trans ID if any. Go to HPR and see Bulk Closure Success or failure Report after 10 minutes. Verification by Supervisor :- If Supervisor wants to Cancel the Operation due to any reason, X-cancel option should be selected before verification. After verification, there is no option to cancel the same. Select V-Verify→ Enter Regd.No. and CIF ID. → Repayment Account will get auto populated. It will be Postmaster repayment (cheque) account from which Cheque is to be issued i.e 0340 if POSB account is not entered. → Submit. Go to HPR and see Bulk Closure Success or failure Report after 10 minutes. KVP/NSC Certificate Transfer (Person to Person) Reason Code: D- Death Transfer; Transfer certificates; or C-CIF duplicate Transfer. CDEDUP / CMRC / CCRC Claim or HCCA T- of HAALM HACXFSOL KVP/NSC Certificate Transfer (PO to PO) Closing KVP/NSC A/c (Encash) HCAACTD (For Trial Closure) CSCCAAC / NSCAC (For Final Closure) KVP/NSC: PMC in case of death of holder and PMC of KVP after 2 years & 6 months from KVP account open date & before maturity KVP/NSC closure Needs care 1.Ensure all CCs in the Regd. No. are presented. 2.After closure verify report in HPR. 3.Supervisor to verify immediately. At times problem. Report error with screen shot urgently. 4.Pay by cheque or credit to SB A/c CSCCAAC / NSCAC Bulk CNSBCV it gives to CPC ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 25 of 103

  26. Cheque Clearing (Inward & Outward) & Out Station Cheque Collection (a)Command / Menu: Cheque Clearing (Inward & Outward) Work Item / Purpose Operator Menu Supervisor Verify (V) / Transaction (T) Menu Menu HMICZ ---- ---- HICTMO HMICZ HMICZ HPR HICTM 1 2 3 4 5 6 7 8 Cheque - Inward Clearing with sequence Open Inward Clearing Zone Edit/Enter Instruments Rejecting cheque – both Inward & Outward Verify cheques Suspend Inward Clearing Zone Validation Run Report generation Modify cheque which are marked as Inward Reject automatically due want of fund Post Inward Zone Close Inward Zone Cheque -Outward Clearing (HPO) with sequence Opening of Zone Instruments Entry File Downloading from S.Os Upload Clearing File of S.O Inquiry of Lodged Cheque Verify Instruments (Verify one by one: HOCTM. Bulk verification: HOCTV) Suspend Zone Report for Clearing House Release to Shadow Balance Marking outward rejection (In Inward zone) Mark Pending of cheque(s) Regularise Shadow Balance Revoke Pending (By Postmaster) Cheque - Outward Clearing (SO) & CBS HO not dealing with clearing house with sequence 1 Enter Instruments 2 Verify Instruments 3 Report generation for cheques 4 Generation of text file for HO 5 Inquiry of Lodged Cheque Cheque - Out Station Cheque (OSC) 1 OSC Maintenance (Lodge/ Verify / Realize / Dishonour) 2 OSC Report 3 Upload Chq ------ HICTM/HICTMO HICTMO ---- ----- ----- ----- ----- Type T T T V T T T T 9 10 1 2 2a 2b 3 4 ----- ----- HMICZ HMICZ HMCLZOH ---- HTRFTOPC HCLUPLD HMCLZOH HOCTM / HOCTV T T T T T V V ---- HOCTMO ---- ---- HIOCLS ---- 5 6 7 8 9 10 11 ---- HPCLSO/HOMSOEX HPCLSO/HOMSOEX T ---- HMCLZOH ---- HICTMO ---- HMARKPEN ---- HMCLZOH ---- HREVPEND HMCLZOH T T T T T T HOMSO ---- CHLR. HTRFTOPC HIOCLS HIRM ---- HOMSO ---- ---- HIOCLS HIRM V T T T V HINWREMI HRMI T T (b)Sequence of operation - Cheque Clearing Cheque - Inward Clearing 1 Open Zone (HMICZ) – Sup. 2 Lodging of Instruments (HICTMO) –PA 3 Rejecting the cheque – both Inward & Outward (HICTMO) –PA 4 Verifying the Cheques (HICTMO)-- Sup. 5 Suspending a Zone (HMICZ) -- Sup. 6 Validating Zone (HMICZ) -- Sup. 7 Report generation (HPR) -- Sup. 1 2 3 Cheque - Outward Clearing Opening of a clearing zone (HMCLZOH) -- Sup. Lodging of Instruments for Clearing (HOCTM) -- PA Upload softcopy of SO cheques to local path (HCLUPLD) -- Sup. Tallying the Zone (HMCLZOH) -- Sup. Verification of the Zone - cheques (HOCTM) -- Sup. Suspending the Zone (HMCLZOH) -- Sup. Generating report for Clearing House (HPCLSO) --Both 4 5 6 7 ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 26 of 103

  27. 8 Modify cheques which are marked as Inward Reject automatically due want of fund (HICTM) -- Sup. Posting the Zone (HMICZ) -- Sup. Closing the Zone (HMICZ) -- Sup. 8 Release to Shadow Balance (HMCLZOH) (Preferably do it on receipt of clearing scroll, as the date on which it is operated will be the realization date). -- Sup. Mark Pending of cheque(s) (HMARKPEN) -- Sup. Regularizing the Shadow Balance (HMCLZOH) -- Sup. 9 10 9 10 Clearing amount comes in LOT after posting in respective A/cs, but do not affect Teller Cash. Where a deposit is made by means of a cheque, pay order or demand draft the date of its clearance into the Post Office Savings Bank shall be deemed to be the date of deposit (SB Order No.5/2014). CHEQUE - INWARD CLEARING PROCESS - SEQUENTIAL OPERATION In Brief (Finalisation of clearing & closing of Zone must be done on the same day in time) 1.Open Zone : Supervisor to open zone - command - HMICZ→ Go → Function - O- Open , Zone Code (MICR or CTS) → Go → Give the total amount and total no of instruments. Click on submit → Go. (Zone Date:- By default System date. Zone Code: Now only MICR zone should be opened. CTS Zone should not be selected even the office is linked to a CTS Zone.) 2.Lodging of Instruments: Operator to Add/ enter cheques:Menu HICTMO→Go →Add, Give zone code → Go →Add Give account No, Amount, Instrument No. Payee Name, Carve–by Default it is YES  Submit. (Carve – Carve means to slice off specified portion of funds equivalent to cheque clearing amount out of the total available balance. This is done to ensure that the cheques received for inward clearing is for sure cleared if sufficient balance is available. Customer cannot withdraw even from this account, the amount carved). To upload use command: HRMI. 3.Rejecting the cheque: Operator to Modify / enter cheques rejected - command –HICTMO→ Go→ In the above process give Reject code—I for Inward and O for Outward CQ reject → Give Rejection Reason. After outward zone balance is released to shadow balance, outward rejection instruments can be lodged in inward zone. Else it will display error message. 4.Verifying the Cheques: Supervisor to Verify - Menu –HICTMO→ Go → Function - V- Verify → Go → Submit. 5.Suspending a Zone: Supervisor to suspend- Menu - HMICZ→ Go → Function -S- Suspend Zone → Submit. 6.Validating Zone & Reporting: Supervisor to validate - command - HMICZ→ Go →Option – V – Validation Run →Zone Code →Click on Go. Click on Submit. Check report in HPR. Note: Supervisor to check reason of error/reject and resolve. Validation Run has to be done whenever you visit HICTMO. Modify cheque which are marked as INWARD REJECT automatically due to want of fund (HICTM). 7.Posting the Zone: Supervisor to post - command - HMICZ→Go →Function – P – Post →Zone date →Zone code →Click on Go. Check statistics →Click on Submit. Check report in HPR Note the Tran ID. If any transaction is in entered state then invoke Menu HTM to post the transaction. Show the effect of posting on System Reserved Amount. 8.Closing the Zone: Supervisor to close zone - command - HMICZ→ Go →Function – Z – Close →Zone date →Zone code →Click on Submit. Do the inquiry on Zone and note the tran ID of charges entry. Post entry using Menu HTM; Function M – Modify. ===== INWARD CLEARING PROCESSCOMPLETED==== Cheque - Inward Clearing Process – Brief Menu Operations 1. Open Zone (By Sup.) HMICZ Option – O – Open →Zone Code (MICR or CTS. As of now only MICR zone should be opened) →Click on Go → Total No. of Instruments in advice – Give no. of cheques received in clearing. →Total Amount of Instruments in advice – Give total amount of cheques received in clearing →Click on Submit Zone Date →Zone Code →Select - User Application File Path / Local File Path →File Location → Go → Check upload success report by menu HPR. HICTMO Function – Add →Zone Code →Click on Go →A/c ID →Amount → Transaction Code → Submit. Supervisor to Verify - Menu - HICTMO– Function – V - Verify (Verify Signatures also). Show HACCBAL– System Reserved Amount 2.Lodging Instruments in zone–Upload(By PA) 2a. Instruments in zone – Manually (By PA) HRMI Lodging ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 27 of 103

  28. HICTMO Function – Modify →Zone Date →Zone Code → Go → Instrument No. – Give selected cheque No. or Click on Accept → From List of cheques, select the cheque to be rejected → Carve –No → Reject – I (for Inward cheques) / O (for Outward cheques) → Also for outward cheque returns give all cheque details → Click on Return Details Icon →Reject Reason – Select from the searcher → Click on Charges Button →Accept →Click on Additional Details Icon →Presenting Bank Code – Select from the Searcher → Presenting Bank Branch Code – Select from the Searcher →Accept →Submit. HICTMO Supervisor to verify – Function – V – Verify → Submit 3. Returning a cheque (By PA) Rejecting / 4. Verifying Cheques (By Sup.) 5. Suspending zone (By Sup.) 6. Validation Run for Reporting (By Sup.) Function – S – Suspend →Zone Date →Zone code →Click on Go → Submit HMICZ Option – V – Validation Run →Zone Code →Go→ Submit. Check report in HPR. Supervisor to check the reason of error / rejects and resolve. Validation Run has to be done whenever you visit HICTMO. Function – P – Post →Zone date →Zone code → Go → Check statistics → Submit. Check report in HPR. Note Tran ID. If any transaction is in entered state then invoke Menu HTM to post the transaction. Show the effect of posting on System Reserved Amount. Function – Z – Close →Zone date →Zone code →Submit Do inquiry on Zone and note Transaction ID of charges entry. Post entry using Menu HTM; Function M – Modify. HMICZ 7. Posting the zone (By Sup.) HMICZ 8. Close the zone (By Sup.) HMICZ CHEQUE - OUTWARD CLEARING PROCESS – In Brief MICR Code in Cheque: 1st 2nd 3rd ????? 7 5 1 CQ No. ↑ Code MICR Code (1st to 9th ) 4th 0 Bank code↑ Sort Code (4th to 9th) 5th 0 6th 2 7th 0 ↑Branch Code 8th 1 9th 0 1st 0 ↑ 2nd 0 3rd 6 4th 9 5th 7 6th 9 1st 3 ↑Trans. Code 2nd 1 ↑ Area / City ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 28 of 103

  29. Bank Code of some important nationalized / scheduled / commercial Banks under MICR Code. Bank Bank Code Reserve Bank of India 001 State Bank of India State Bank of Hyderabad Allahabad Bank 010 Andhra Bank Bank of India 013 Bank of Maharastra Central Bank 016 Corporation Bank Indian Bank 019 Indian Overseas Bank Punjab & Sind Bank 023 Punjab National Bank Union Bank of India 026 United Bank of India Vijaya Bank 029 Standard Chartered Bank of Rajasthan Ltd. 043 The Catholic Syrian Karnataka Bank Ltd 052 Karur Vyasa Ltd South Indian Bank Ltd 059 ING Vsya Bank Ltd The Odisha State Co- operative Bank Ltd ICICI Bank 229 Indusind Bank Ltd IDBI Bank Ltd 259 Kotak Mahindra Bank Ltd GPO 111 SEQUENTIAL OPERATION OF OUTWARD CLEARING PROCESS – In Brief - (Zone must be closed by next day) 1.Opening of a clearing zone: Supervisor to open zone - command HMCLZOH-- O (Open) –Go →Give the Zone Date , Zone Code (Select “MICROW” for MICR Outward. CTS-MICR for MICR Outward CTS should not be selected) →Go → Submit. 2.Lodging of Instruments in Clearing Zone: (a)Cheque entry manually:- PA to enter cheques - command--- HOCTM (for HO) / HOMSO (For SO)--- GO → Function - A (Add)—Give the zone Date, Zone Code,--- GO → Give the Account No, Amount, Instrument No, Amount, Sort Code → Submit. Note down theSet No. on the Pay in Slip. Repeat the above process for all the Cheques. (Account No. to be given as under: SB account number - SB account number in case of subsequent SB Deposit SOLID0017 - For subsequent PPF Deposit / RD Deposit / Agent Bulk Deposit SOLID0382 - For RD/TD/MIS/SCSS/KVP/NSC New Account Opening (b)Cheque upload: Supervisor to download softcopy of SO cheques –HTRFTOPC. Supervisor to upload softcopy of SO cheques to local path – command –HCLUPLD. Now cheques of both HO & SO can be processed. 3.Tallying (Balancing) the Zone: Supervisor to Inquire - HMCLZOH (command to Inquire by PA HIOCLS ) --- GO →Function - I (Inquire) → Give Zone Date , Zone Code →GO → Select the statistics Tab → Check whether all the cheques are appearing or not. If not, find and perform necessary addition / modification. 4.Verification of the Zone (cheques): Supervisor to verify one by one - command--- HOCTM (for HO) / HOMSO (For SO) – GO - Function – V-Verify → GO → Select the appropriate ZONE CODE, Zone Date and Set Number → Go → All the instrument details will be listed below → Instruments details can be viewed by clicking on the respective instrument number → Total CREDIT AMOUNT and Number of instruments should tally → Submit. “Successfully Verified in Online Module along with SET NUMBER (Note: Bulk verification menu: HOCTV is allowed after Suspending the Zone. May not find mistake if any. Use of HOCTV is not advisable.) 5.Suspending the Zone: (No more addition of Cheque is allowed): Supervisor to suspend the zone -- command HMCLZOH -- GO →Function - S (Suspend ) →Give Zone Date, Zone code → GO →Submit. 6.Generating report for Clearing House: Invoke the menu HPCLSO to print the Clearing House Summary. 7.Release to Shadow Balance: (Balance will be credited but not allowed for WDL. Preferably operate this option after receipt of clearance). Supervisor to Release the shadow Balance -- command HMCLZOH-Go →Function - R (Release to shadow Balance) →Zone Date, Zone Code →Go → Submit →OK 8.Marking outward rejection: After receipt of scroll, Rejects if any to be marked. Outward rejects are to be marked in Inward Clearing Zone. (Process given at Inward Clearing). Supervisor to mark rejected cheques before Regularizing the Shadow Balance – command – HICTMO. Bank Bank Code 002 006 Bank Bank Code 003 009 State Bank of Bikaner & Jaipur State Bank of Travancore 004 State Bank of Mysore 011 014 017 020 024 027 036 047 053 064 219 Bank of Baroda Canara Bank Dena Bank Oriental Bank of Commerce Syndicate Bank United Commercial Bank City Bank N.A Federal Bank Ltd Laxmi Vilas Bank Ltd Axis Bank The Utkal Co-operative Bank soc HDFC Bank Ltd Yes Bank 012 015 018 022 025 028 037 049 056 211 221 218 Nilachal Grama Bank 234 485 240 532 “will appear. Note the Set No. ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 29 of 103

  30. 9.Mark Pending of cheque(s):Supervisor After receipt of scroll, if status of the any of the cheque is unknown (not cleared nor bounced), & to be kept pending for clearance, then Menu –HMARKPEN (not working properly) to be used to mark as pending & can be revoked by Postmaster using the menu HREVPEND. (In Clearing House there is no option of PENDING – Cheque will be cleared / bounced (Rejected)). 10.Regularizing the Shadow Balance: (Actual Posting). Supervisor to Regularize shadow balance. Menu HMCLZOH - Go →Function - G (Regularize Shadow Balance) →Zone Date, Zone Code →GO →Submit. For SO & other HO cheques see procedure for CBS HO & SO not dealing with clearing house. ===== BRIEF OUTWARD CLEARING PROCESSCOMPLETED==== Cheque - Outward Clearing – Brief Menu Operations 1. Zone Processing (Opening a clearing zone) (By Sup.) MICR for MICR Outward CTS should not be selected) 2. Lodging of Instruments Manually by HO / SO (By PA) HOMSO) Code – Give from the cheque → Transaction Code – Give from the cheque → Submit. Note the Set ID on the pay-in slip Single slip containing multiple cheques and multiple slips containing single cheque can be lodged by HOCTM. See Float Balance in HACCBAL / HACLI 3. Zone Balancing (By Sup.) Slips/Instruments/Sets – Nos. & Amount→Check Status–Entered / Verified. 4. Verification of the Zone (cheques) 4, 4a, 4b - By Sup. (for SO) instrument number → Total CREDIT AMOUNT and Number of instruments should tally → Submit. “Successfully Verified in Online Module along with SET NUMBER ……………..“ will appear. Note the Set No. 4a. Verify Lodged Instruments (Bulk) Click on Go. Check report in HPR. (Use of HOCTV is not advisable.) 4b. Verify Manually HTM Function – V – Verify →Tran ID →Click on Go →Post 5.Suspend Zone (Sup.) HMCLZOH Function - S -Suspend →Give Zone Date, Zone code → Go → Submit. 5a. Unsuspending the Zone–if need (By Sup.) 6. Report for Clearing House (By Sup. / PA) HOMSOEX 7. Releasing to Shadow Balance (By Sup.) Show HACCBAL/HACLI–Float Balance Nil & Funds in Clg Amounts 8. Marking outward rejection (By PA) be marked in Inward Clearing Zone. (Process given at Inward Clearing) 9. Mark Pending of cheque(s) (By Sup.) / HREVPEND pending & (Menu not working properly & hence pending not advisable) can be revoked by Postmaster using the menu HREVPEND. 10. Regularizing the Shadow Balance (By Sup.) Submit. Zone will be automatically closed on completion of this step. Batch Job will be initiated and the report can be taken using the menu HPR File Transfer of SO / HO by HO where file is to be transferred at HO. Click on Submit Cheque Inquiry in Zone HIOCLS If Zone is not balanced as per the statistics then inquire to see which set is not balanced. To modify set HOCTM– Function – M – Modify Function – O – Open →Zone Date →Zone Code →Click on Go → Click on Submit. (Select the appropriate zone “MICROW” for MICR Outward. CTS- HMCLZOH HOCTM (For By HO : Option – Add →Zone Date →Zone Code → Go → A/c ID → Amount – Pay-in slip amount →Instrument No →Amount – Cheque Amount →Sort SO- (For SO see HO/SO not dealing with clearing house) Option – I–Inquiry→Zone Date →Zone Code →Go →Statistics Tab →Check HMCLZOH Function – V-Verify → GO → Select the appropriate ZONE CODE, Zone Date and Set Number → Go → All the instrument details will be listed below → Instruments details can be viewed by clicking on the respective HOCTM (For HO) / HOMSO To verify instruments →Function – V – Verify →Zone Date →Zone Code HOCTV Option – V – Revoke Suspension →Zone Date →Zone Code →Go → Submit HMCLZOH Print the report for Clearing House. HPCLSO / R–Release to Shadow Balance →Zone Date →Zone Code →Go →Submit HMCLZOH After receipt of scroll, Rejects if any to be marked. Outward rejects are to HICTMO After receipt of scroll, if a cheque status is unknown (not cleared nor bounced), & to keep clearance pending, use Menu –HMARKPEN marking HMARKPEN Function – G - “Regularise Shadow Balance” → Select appropriate date and zone → Go → A window with General and Statistics tab appears → Ensure, ZONE STATUS should be “RELEASED TO SHADOW BALANCE” → HMCLZOH HTRFTOPC Source File Name – File name of SO / HO. Destination Directory – Location ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 30 of 103

  31. Cheque – Out Station Cheque for Collection – Brief Menu Operations Lodge Instrument Click on Go → General Details:→Operative A/c ID – SB A/c →Charge Debit A/c ID – SB A/c →Remittance Amt – Cheque Amount →Remit Country – IN Instrument Details: Instrument No. →Inventory Type – CHQ →Instrument Amount → Quantity→Instrument Date →Drawee Details – Name / Address → Drawee Bank Details →Bank Code – Select from Searcher →Bank Br Code – Select from Searcher → Validate. Event Details:→Validate → Transaction Details→ Validate → Submit. Note the remittance ID. Supervisor to verify – Menu –HIRM; Function – V – Verify. Realize Instrument Details →Realisation Details → Event Details →Transaction Details →Submit. Supervisor to verify – Menu –HIRM; Function – V – Verify Show HACLI – Credit & Charges Application. See in HIRM Remit Status is Yes Dishonour of Instrument →Submit. Supervisor to verify – Menu –HIRM; Function – V – Verify. Show HACLI – Charges Application. Function – Z – Close →Visit Instrument Information to Validate →Submit Supervisor to verify – Menu –HIRM; Function – V – Verify Cheques: Outward Clearing -CBS HO/SO not dealing with clearing house but attached with another CBS HO (a)Command / Menu: Cheques: Outward Clearing -CBS HO/SO not dealing with clearing house Work Item / Purpose Function – G – Lodge →Remit Type – OCINR →Rem CCY – INR →CIF ID → HIRM Function – R –Realize →Remit ID. Validate the Tabs: Instrument Details →General HIRM Function – N –Dishonor →Remit ID. Validate the Tabs: Instrument Details →General Details →Event Details (choose charge event ID) →Recovery Details →Transaction Details HIRM Operator Menu HOMSO HOMSOEX Supervisor Verify (V) / Transaction (T) Menu HOMSO ----- ----- 1 2 3 Lodging of Instruments Manually by HO / SO Report Generation for Instruments Lodged at HO / SO Softcopy Generation for Instruments Lodged at HO/SO HTRFTOPC V Steps for Cheques: Outward Clearing -CBS HO/SO not dealing with clearing house 1.Procedure of lodging of instruments at HO/SO level : Invoke HOMSO→ Function- A-Add→ GO → Next screen appears → Enter cheques one by one (After entry of one cheque click on ADD to enter next cheque. The following data input is to be done:- Enter a/c No.as SOL ID+0017 for subsequent RD (individual & Bulk)/PPF /SSA Deposit; SOL ID+0382 for NSC/KVP/MIS/TD/PPF/SSA/SCSS new A/c; SB A/C No. for SB Deposit) →Amount of cheque → Cheque No. → Nine digit MICR Code No. which is placed after cheque No. → Trans Code i.e last two digit No. in the line of cheque no. (e.g. 10 or 31 etc.)) → on completion click on Submit. (Enter the cheques carefully. Do not make any mistake) – Now cheque entry is completed. 2.Verification of lodged Cheques by Supervisor, HO/SO (HOMSO): Invoke HOMSO → Function- V-Verify → enter the date as current date → GO → list of cheques entered will be displayed →Submit. Message “Data Verified Successfully” comes. - Now verification is completed. 3.Generation of Report at HO/SO level (HOMSOEX): In counter PA login invoke HOMSOEX→ Enter the SOLID (Give own SOL ID) →date of lodging (Give date on which cheques are entered) → select the File/Report type as: "Report"→ Submit. Message "Report Generated successfully" will be displayed. - Now cheque Report generation is completed. 4.Printing of report by HO/SO level (HPR): Invoke HPR→ GO → list of reports generated is displayed → select the report CHQLODGED.RPT→ click on Print Screen → View & Print. – List with cheques to be sent to clearing HO. Now cheque work at HO/SO level not dealing with clearing house for a day is completed. Handling of Cheque at clearing HO for cheque of HO/SO not dealing with clearing house 1.On receipt of physical cheques with report from HO/SO, HO needs to verify the details. 2.Generation of soft copy at HO for the cheques lodged at HO/SO (HOMSOEX): In counter login invoke HOMSOEX→ Enter SOLID (Give SOL ID of HO/SO for which report is required) → date of lodging (Give date on which cheques are entered referring physical report received) → select the File/Report type as: "Report"→ Submit. Message "Report Generated successfully" will be displayed. In this way report to be generated for all the HO/SO attached to the HO for cheque clearing. Invoke HPR to view/print report if required (Same as Sl. No.4, Printing of report by HO/SO level). ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 31 of 103

  32. 3.Downloading of generated soft copy to the PC (Desktop computer) by HO and its uploading. Softcopy Downloading to Desktop computer in counter PA log in HPR→ select report CHQLODGED.RPT→ click on EXPLODE BUTTON of View details → Next screen appears → Copy file path (.RPTfile) shown against field “ Print File Name” to generate the .txt file → follow below step. Invoke menu HTRFTOPC for text file generation (requires source file and destination directory) → Enter source file (pest copied file path as given above) → Destination directory (C:\ or D:\ or E:\.) → Uploading Softcopyin counter PA log in: Invoke menu HCLUPLD→ In next screen following input to be given (In Report To column: "Supervisor" or “PM”; In zone date (Date of HO); In zone code as "MICROW"; Multiple instrument Click YES**; Create Transaction- Yes **; Select File location path as "Local file path" → Submit. Next screen appears. → System will ask the upload file path (Browse and select the .TXT file stored by menu HTRFTOPC → GO. Message "File uploaded successfully. Repeat procedure (Sl.3) for all the HO/SO. Invoke HPR→ select the report “Outward clearing upload” to view and note the Set No. (NOTE** HO/SO file can be tasted like HTTUM (trial upload to see error if any). To test/see any error at HPR do not select YES to Multiple instrument and Create transaction. Tick both as NO. Perform trial upload. Go to HPR and See successful/failure report. If success (No error), then do the real upload). 4.Verification of uploaded file by the Clearing HO Supervisor (HOCTM): Invoke HOCTM in HO Supervisor (CQ clearing HO) → Verify the CQs giving Set No. If error noticed in HPR Report, Delete the Set No. in HOCTM (Function -delete) and report to HO/SO to relodge the cheque & to resubmit to HO for clearing. If no error found, complete verification. Now these CQs will be merged automatically with HO cheques. 5.Take report (Single for HO & SOs) and submit to clearing house. On receipt of clearing scroll, HO (dealing with clearing House) should release the Shadow Balance and Regularize the Shadow Balance (SB will be posted automatically, for others in respective Office A/cs). Clearing scroll / intimation to be sent to HO/SOs from which CQs were received for clearing. On receipt of Clearing scroll / intimation by the HO/SO, he should open new A/c (other than SB) debiting concerned office A/c. =========================================== ================================================ Handle cheques sent for collection before migration but clearance received after migration: Invoke CXFER → Debit A/c ID – as SBI Sundry A/c (SOLid0007) → Credit A/c according to schemes (SB – Respective A/c; New MIS / TD/ SCSS/ PPF/RD/NSC/KVP - SOLid0382; RD retail/Bulk - SOLid0017) → Transaction type/subtype – T/BI-Bank Induced → Enter cheque No. in Transaction Particular field. Collection of Cheque Dishonour fee & Out station cheque collection fee. Rejection & Dishonour (Bounce) are not same. In Rejection no accounting is happened. It may occur due to wrong a/c No.; difference in signature or no signature; correction not authenticated etc. No fee is imposed for rejection. Dishonour (Bounce) happens due to non-availability of Fund in the a/c to clear the cheque & fee is imposed for it. Dishonour (Bounce) fee is normally imposed by the bank/POSB where the cheque is presented. Inward cheque dishonored fee: No fine. Outward cheque dishonor fee: To be collected through Post Office UCR as at present there is no option in Finacle. Out Station cheque dishonor fee: To be collected through menu HIRM → Funtion : N-Dishonour. Out station cheque collection fee: It will be deducted (withdrawn) automatically from Savings A/c. Common Menus (a)Command / Menu: Common Work Item / Purpose Operator Menu HACCDET --------- HACINT HACLI HACS HACACCR HCASHPND CXFER ---- CNAC Supervisor Verify (V) / Transaction (T) Menu Menu ……… HAALM HACINT HACLI HACS HACACCR HTM CXFER HCCS CNAC 1 2 3 4 5 6 7 8 9 10 Common Menus – All schemes Account Details Account Name Change Account Interest Before Closure Account Ledger Inquiry Account Selection List / Search a customer BO Account Closure Warrant Cash Pending clear Transaction (Adjustment) Cash Transfer Change Context SOL ID Custom New Account (Find new A/c No.) Type TV T T T V V V T T ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 32 of 103

  33. Customer Becoming Major (Report) Customer Transaction Maintenance (by cash) Deposit Transactions Report Summary Finacle Report Find Transaction ID Pass Book Printing Pass Book Printing (Selected entry) Teller Cash Position Inquiry An Employee Transactions Maintenance Transfer Of Accounts (Inter SOL) View / Print generated report View / Print the statement of account New A/c Opening List view / print (b)Conversion of A/c: Single to Joint & vice versa: Fresh AOF, KYC Form & KYC document may be required. (i)Single to Joint: If CIF exists for the new incumbent, then modify the A/c (Menu of Modification of A/c after verification / existing A/c to be used) and attach the CIF of new incumbent to the A/c. If CIF does not exist for the new incumbent, then create CIF (Menu- CCRC), modify the A/c (Menu of Modification of A/c after verification / existing A/c to be used) and attach the CIF of new incumbent to the A/c. Change Mode of Operation. (ii) Joint to Single: Modify the A/c (Menu of Modification of A/c after verification / existing A/c to be used) and detach the CIF of outgoing or deceased incumbent from the A/c. Change Mode of Operation. (c) CTM & CXFER: CTM & CXFER is used for funding in different schemes (SB, SSA, Discontinued schemes, NSS, Office A/c, TD and MIS). CTM is used for cash transaction and CXFER is used for transfer transactions. i. CTM: By Cash : Function – Add → Function Type – Deposit or Withdrawal → Go →A/c Id → Amount → Value date(Date of transaction)→Transaction particulars –Messenger name can be put here→ Remarks→ Mode of transaction–Select radio button Cheque (for POSB) or Withdrawal Slip (for SB-7) or Payment (for deposit) → Cheque Date→ Cheque No.→ Option→ Post. Note the Tran ID. Supervisor to Verify –CTM; V– Verify. ii. CXFER: By Transfer: Function – Add → Trans type/subtype – T/CI-Customer Induced or T/BI-Bank Induced → Click on Go → Dr A/c ID → Verify Signatures → Cr A/c ID → GiveAmount → Value date(Date of transaction) → Transaction particulars – Messenger name can be put here→ Remarks→ Mode of Transaction – Select one radio button Cheque (for POSB) or Withdrawal Slip (for SB-7) →If cheque then update cheque date & cheque no. → Post. Note the Tran ID. Supervisor to Verify – Menu –CXFER ; Function V– Verify. CXFER is also given under respective schemes. (d) HCASHPND – For adjustment of cash payment other than SB Adjustment of Cash After Interest / Closure payment for below INR.20000/- than SB) better to run it after each cash payment. Else run at the end). (e) HTM Menu option: It is a multi-purpose menu and performs following tasks. Supervisor to verify in HTM. 1.Reversal of Un-posted Office Account Entry. 2.Payment of interest of discontinued schemes. 3.For Vault Transactions. 4.If Transaction creation is happening at the time of Verification the account another supervisor/Postmaster has to verify the transaction from the menu “HTM”. 5.MIS/SCSS/TD interest payment from Sundry accounts. 6. In case of premature closure of KVP/NSC, Supervisor can view the payout details using HTM menu option. 7. On verification of KVP/NSC A/c, Transaction ID gets generated which is to be posted through HTM menu. 8. Used to post system generated transaction IDs which are in Entered stage. 9. Used to Modify & Delete transaction IDs which are in Entered stage. 10.When without verifying New A/c opening or A/c closure, HTV is used for bulk verification, funding position gets to posted stage keeping A/c opening or A/c closure unverified. After verification of A/c opening or A/c closure, the transaction to be verified. HTM  Function – Add → Transaction Type / Sub Type – C/NP-Cash Normal Payment, T/CI, C/CT → Go → Debit A/c ID (Active for payment) – e.g. Sundry A/c No. → Amount →Ref No. – Actual A/c No. → Post. Note the Tran ID. Supervisor to verify - Menu –HTM; Function – V – Verify. 11 12 13 14 15 16 17 18 19 20 21 22 23 HCBM → HPR CTM HDTRS HFINRPT HFTI HPBP HPBPR HTCPIAE HTM HACXFSOL HPR HPSP→ HPR HACSP→ HPR ……… CTM …………. HFINRPT HFTI …….. HPBPR …….. HTM HACXFSOL HPR HPSP→ HPR HACSP→ HPR V T T V V V T T T Use of CTM & Function – P-Process → Give Tran ID or A/c ID → Click on Go Click on Serial No. → Post. It requires verification in HTM. (It is HCASHPND (for other ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 33 of 103

  34. (f) Minor to Major: When Minor attains majority, Finacle stops transactions and allow transactions only when status of account is changed from minor to normal. Counter PA has to take fresh AOF, KYC Form & KYC documents of the depositors after attaining age of 18 years. The natural or legal guardian, who opened the A/c, needs to attest the specimen signature & KYC documents of depositor. After manual verification, Counter PA needs to change status both in CIF and account level from minor to normal & Supervisor to verify. (Modification Menu: CIF: CMRC; SB: CASBAM; PPF: PPFAMAVF; RD: CRDACM; MIS/TD: CMISAM; SCSS: CSCAM; CC: CSCACM. Supervisor Verification Menu: CIF: CMRC; SB: CASBAV; PPF: CPPFAV; RD: CRDOAACV; MIS/TD: CMISAOPV; SCSS: CSCAOPV; CC: CSCOAACV. Report Menu: HCBM→HPR). In CIF Modification - Change the Minor radio button from YES to NO & KYC status= Submitted. In A/c Modification - ensure correct CIF, Name & Address are attached, Mode of Operation, Document Details changed. Generate report in HCBM & view/print in HPR. (Report Name: Customer becoming Major). (g) Name Change in A/c: Menu - HAALM (to be initiated by Supervisor) At times even after attachment of modified CIF, name of A/c holder against respective schemes do not change. In this case Name Change in A/c is required. Name should be within 21 characters & must contain alphabets only. HAALM → Go → Function: M-Modify → A/c ID – Give A/c No. for which name to be changed → Go, Screen appears, Perform necessary changes → Submit. 2nd Supervisor to verify –HAALM; Function: V-Verify. (h) Nomination: Nomination can be done at the time of New A/c opening or at a later date. Obtain AOF / SB- 55 as the case may be. In case of SCSS A/c, take additional form with Photo & Specimen Signature / thumb impression of Nominee as prescribed in SB Order No. 06/2015.Check for CIF, if not exists, create new CIF. Attach the CIF in the Nomination details. (For new A/c do it during A/c open. For existing A/cs, modify the A/c to perform Nomination). Advice all depositors to have Nomination in each and every account. (i) Pass Book Issue & Print: Menu - HPBP : New Pass Book Issue: Give A/c ID → select Printer → Duplicate PB - No→New Passbook – Yes →Print Transaction Printing : Give A/c ID → Modify→ select Printer → Duplicate PB -No→New Passbook –No →Print Continuation Pass Book Issue: →Print Duplicate Pass Book Issue: Then a fresh passbook can be printed by HPBP. Give A/c ID → Modify→ select Printer → Duplicate PB -Yes→New Passbook –Yes →Print Customer Information File (CIF) (a)Command / Menu: CIF Work Item / Purpose Operator Menu Give A/c ID → Modify→ select Printer → Duplicate PB - No→New Passbook – Yes Invoke HPBPR menu option to reset the pages printed details to 0. Supervisor to verify. Supervisor Verify (V) / Transaction (T) Menu Menu CDEDUP CCRC CMRC HCCA HCRV HCUDET 1 2 3 4 5 6 Customer Information File (CIF) Search existing CIF New CIF Create/Modify/Verify Modify / Verify Existing CIF Merger / Change of CIF Customer 360◦ View Inquiry on Customer CDEDUP CCRC / CIFCR CMRC HCCA HCRV HCUDET Type T V V V T T (A)CIF Creation: Verify AOF, KYC Forms & KYC documents. CIF must not be created for each & every A/c. One individual should have one CIF. Before new CIF creation, inquire from customer about other A/c or CIF if any, and also check in Finacle using Menu –CDEDUP or HCRV or HCUDET. Name should be within 21 characters & must contain alphabets only. Limitation is for easy activation of ATM Cards as CCMM fetches name from CIF. (B)Create Minor CIF: For self-operated minor (minor of 10 years or more) A/c, procedure to be followed. Depositor should not be asked to fill Guardian details in Account Opening Form (AOF). KYC of minor of 10 years or more and Signature is to be taken on Account opening form. Create Minor CIF and note down Minor CIF ID in Account Opening Form in place of Depositor CIF ID. In Guardian details and guardian CIF, enter CIF ID as 300668762 which has been created centrally with dummy data. On account opening, select mode of operations as SELF and in guardian CIF, enter 300668762. System will show following details :- “Last Name / Short Name – GUARDIAN. DoB - 01/07/1960. Document type - ADPRF with unique id 3dec2014email. Document code –PSBID. Nationality- Indian. Tax deducted at source as –NOTAX”. (Authority:- Email from AD (SB-II), Postal Directorate, New Delhi on 06/02/2015 at 11:36 AM on the subject - Create Minor CIF) ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 34 of 103

  35. (C)Merger of CIF (HCCA): To be performed in the following circumstances: Circumstances 1 If a single customer has multiple (duplicate) CIFs, they can be merged 2 In case of death of a joint holder, his CIF can be detached. 3 Conversion of Joint accounts into single, the main holder’s CIF can be detached. 4 Death claim transfer (to the name of nominee) 5 Transfer of CCs (One person to another) 6 Can be used to rectify CIF attachment when wrong CIF is attached in A/c opening CIF – Brief Menu Operations Checking existence of duplicate CIF System will show the list of CIFs as per the criteria specified. Creation of CIF CCRC / CIFCR. It is one of the important activity in CBs Finacle. Do as under. Function – Add → Go → Title – Select from searcher →First Name → Middle name →Last Name – (Important) →Father/Husband name → Date of Birth – DD-MM-YYYY → Gender– Click on relevant Radio Button→Tax status – Select from searcher based on tax status of the customer →Pan Card No. – Give pan no. if tax status is selected as Pan Card → Income – Give Amount → Income Type – Select from drop down menu → Occupation Type – Select from drop down menu → Doc Type - Select code as relevant from searcher → Doc Code – Select relevant code from searcher/Enter unique Id number. (If UID then UID Auth. must – click on radio button Yes / No) → Unique ID – Give ID No. If more documents then click on expand button Address details in lines 1, 2, 3 (When address is given in the line 1, using tab move on next field, system will automatically populate Address Valid From and Country fields) → Address valid from – Give date from which customer is staying on the address →Type Pin Code and City and State fields are auto populated →TDS Table Code – Select from searcher based on Tax Status of the customer →Primary Relationship Manager ID –CIFRM→Submit. Note CIF ID. Modification Before Verification CIFCR User to amend details by choosing Menu –CCRC / CIFCR; Function – M-Modify Verification of CIF Creation CIFCR ensure –“KYC Status” is updated to “KYC Submitted” else reject CIF. Modification after verification or of existing CIF ID Supervisor to verify – Menu- CMRC / CIFMD ; Function –V-Verify Death of a customer - Modification of CIF CIFMD Button “Deceased”→ Date of Death – Give date of death of the customer → Submit. Supervisor to verify – Menu –CMRC / CIFMD; Function – V-Verify . Note: System will automatically suspend the CIF. Suspension of CIF (Do not use for Death claim cases) Supervisor to verify – Menu –CMRC/CIFMD; Function – V-Verify. Similarly to Un-suspend the CIF – Choose Function – U – Unsuspend Difference between Freeze (HAFSM) & Suspension of CIF affects the A/c which is fridge. Merger of CIF Reason Code: D- Death Claim Transfer; or T-Transfer of certificates; or C-CIF duplicate Transfer. Supervisor to verify – Menu –HCCA ; Function – V - Verify CIF Search HCRV Click on Customer Selection -customer search screen displays → Give CIF ID → Go – System fetches the name → CIF Type – Retail→ Go →System will show CIF details →Click on Account tab →A/c selection–click on required radio button →Go →System will show list of all accounts attached to the CIF Inquiry on Customer HCUDET CIF ID → Click on Go. Displays General Details of Customer Reason code to select C-CIF duplicate Transfer D-Death Claim Transfer Not working properly. D-Death Claim Transfer T-Transfer of certificates C-CIF duplicate Transfer CDEDUP Click on Go → Give required parameters → Click on Proceed Function – Reject (By Supervisor) → Click on Submit CCRC / Function – V-Verify → CIF ID → Click on Go → Click on Submit. Supervisor to CCRC / Function – M-Modify → Make the necessary amendment →Click on Submit for verification CMRC / CIFMD Function – M – Modify → CIF ID → Go → Customer Status – Click on Radio CMRC / Function – S – Suspend → CIF ID → Reason Code – Select from Searcher (there are about 37 types of reasons. Select appropriate one)→Go →Submit. CMRC / CIFMD Suspension of CIF: All the A/c under the CIF is affected and no transaction is allowed in these A/cs. Freeze (HAFSM): It is three types (Credit, Debit & Total). It Function – Modify → A/c No. (to which CIF is to be merged / transferred) → Go →Old CIF ID (will be displayed automatically) →New CIF ID – Give new CIF ID to which the a/c is to be merged/transferred →Modify Act. Name–Change name if need be (In case of death of primary a/c holder or certificate transfer cases) →Reason Code – Select from searcher → Submit. HCCA ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 35 of 103

  36. Discontinued Scheme Transactions (a)Command / Menu: Discontinued Scheme Work Item / Purpose Operator Menu HTM CTM CXFER HXFER HACLPOA Supervisor Verify (V) / Transaction (T) Menu Menu HTM CTM CXFER HXFER ---- 1 2 3 4 5 Discontinued Schemes Payment of Principle by Cash/Cheque/ Transfer Payment of PMI by Cash Payment of PMI by Cheque / Transfer Closure Of Accounts Reporting (Ledger printing) Type V V V V T There are about 21 Discontinued Schemes which can be closed in CBS Finacle. All the accounts are matured in discontinued scheme. The only Operation in discontinued scheme is to payout the amount to the customer. Balances of all the discontinued scheme accounts are maintained in a specific office account per scheme. During Payout, the specific office account should be debited and the customer account will be credited. Scheme & Remarks 1 Mahila Samridhi Yojna (MSY) - No interest applicable after 10.8.2001 2 Fixed Deposit - No PMI after maturity 3 Compulsory Deposit Scheme - PMI@ simple 4% after maturity till payment 4 Indira Vikas Patras – No PMI 5 National Development Bonds – No PMI 6 Social Security Certificates – No PMI 10 Scheme & Remarks 10 Years National Plan Savings Certificates – No PMI 5 Year national Savings Certificates – No PMI 12 Years National Savings Certificates – No PMI 11 12 13 14 15 12 Years National Plan Savings Certificates- No PMI 7 Years National Savings Certificate – No PMI NSC (II-Issue) - Maturity bonus for purchase on or after 1.5.1981 @Rs.10/- for Rs.100/- NSC 1st Issue, NSC (III-Issue), NSC (IV-Issue), NSC (V-Issue) & NSC (VI-Issue) – No PMI NSC (VII-Issue) - No PMI from 1.4.1983 to 31.3.1987 National Defence Certificates - PMI payable for 5 years after maturity 10 Years Defence Deposit Certificates - PMI @ simple 5% maximum for 5 years after maturity National Savings Annuity Certificates – No PMI Sequence of closure of Discontinued Scheme: 1.Find new A/c No. (Menu-CNAC) 2.Debit/Pay out Principal amount of the A/c from specific office account and Credit customer’s SB or Postmaster’s Cheque A/c (Menu-HXFER) 3.Debit/Pay out Interest amount, if any, of the A/c from specific office account and Credit customer’s SB or Postmaster’s Cheque A/c (Menu- HTM). 4.Pay out of interest, if any, which is calculated outside will be paid from specific office account identified as interest paid on specific discontinued scheme (Menu- CTM and or CXFER). 5.Print the ledger statement for the business day for both office accounts that is principle and interest. Staple the statements with the instruments brought by customer and submit to HO/SBCO/DAP as the case may be. (Menu- HACLPOA). 6.Print the LOT for Discontinued Schemes. (Menu- HFINRPT → HPR). 7.Show the amount in Daily A/c; Summary & Cash Book in proper heading. Discontinued Scheme Transactions – Brief Menu Operations Cash Payment of Principle Click on Go →Debit A/c ID – Sundry A/c No. of Discontinued Scheme → Amount →Ref No. – Old A/c No. of Discontinued Scheme → Restore Values – A – Additional Part Tran Details →Click on Go → Next Screen →Ref No. – Old A/c No. of Discontinued Scheme → Click on Go →Next Screen →Click on Check Box against the entry → Click on Accept →Click on Post and Note the Tran ID. Supervisor to verify - Menu –HTM; Function – V – Verify Cash Payment of PMI Amount calculated manually (Ref. Common Module for details). Supervisor to verify using Menu –CTM. 7 16 - 20 21 8 9  Function – Add →Transaction Type / Sub Type – C/NP-Cash Normal Payment → HTM Function –Add →Type – Withdrawal →Click on Go → A/c ID – Sundry A/c No. of Interest on Discounted Scheme → Amount →Click on Post. Note the Tran ID. CTM ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 36 of 103

  37. Function – A – Add →Transaction Type / Sub Type:T/CI-Customer Induced → Go →Record 1 screen appears →Part Tran Type: Debit → A/c ID – Sundry A/c No. of Discontinued Scheme →Amount → Ref No. – Old A/c No. of Discontinued Scheme →Restore Values – A – Additional Part Tran Details →Click on Go → Next Screen →Ref No. – Old A/c No. of Discontinued Scheme → Go →Next Screen →Click on Check Box against the entry → Accept → Click on Add →Record 2 screen appears → Part Tran Type: Credit →A/c ID – SB A/c or Post Master Cheque A/c → Amount or click on get contra amount icon →Post. Note the Tran ID. Supervisor to Verify – Menu–HTM; Function – V – Verify Function – Add → Go →Dr A/c ID – Interest on Discounted Scheme Sundry A/c →Cr A/c ID – SB A/c or Post Master Cheque A/c →Amount → Post. Note the Tran ID. Supervisor to Verify – Menu –CXFER ; V– Verify Function – Add →Go →Dr A/c ID of Office A/c → Ref. CCY /Amt (Amount to be paid) → In Restore (Select A-Additional Part Tran details) → Go→ Go→A screen with amount appears- Click on Check Box - Reversal amount populates → Accept → Next screen appears (Transfer Transaction) →click on Add → select Credit →Enter Cr. A/c ID (Give customer’s SB A/c or Postmaster’s Cheque a/c) → In Ref CCY/Amt. (Enter Amount)→Ref. No.–Give Discontinued scheme A/c No. →Transaction particulars – Give discontinued scheme name →Post→Go. Note Trans. ID. Supervisor to Verify – Menu –HXFER. Transfer of Principle Amount into SB A/c or Payment by Post Master Cheque A/c HTM Transfer of PMI into SB A/c or Payment by Cheque Closure Of Accounts by transferring amount to SB or office a/c. CXFER HXFER ECS (a)Command / Menu: ECS Work Item / Purpose Operator Menu Supervisor Verify (V) / Transaction (T) Menu Menu Type HECSM V ---- ---- ---- ---- 1 2 3 4 5 ECS HECSM HEGOC HEOSR HEORP HTRFTOPC ECS Mandate Maintenance Create ECS Dump Settlement Process Run ECS Reject Processing Transfer File to PC (Download ECS file created in HEGOC) ECS – Brief Menu Operations Enable the facility of ECS for the customers at the time of account opening Enable the facility of ECS for the existing customer ECS Enabled – Yes Click on Submit for Verification Supervisor to Verify SB- CASBAO / QDESA, RD–CRDOAAC / RDAOCM, TD/MIS– CMISAOP / MISAO , SCSS- CSCAOP / SCSSAO SB– CASBAM / QDEMSA, RD - CRDACM / RDAMM, TD/MIS– CMISAM / MISAMAV, SCSS - CSCAM / SCSSMAV HECSM Function – Add →Go →A/c ID →Pay Sys ID – ECS → Message Type – Outward →Part Tran Type – Debit → Tran Code – Code 1 →Start Date →End Date →Amount Type – Fixed →Amount →Other Party A/c ID – Beneficiary A/c No. Other Party Name – Beneficiary Name → Other Bank Code – Pick from Searcher → Other Branch Code – Pick from Searcher → Submit for Verification. Note Mandate Srl No. Supervisor to verify – Menu –HECSM; Function – V – Verify HEGOC Service SOL ID – Auto populated →Pay Sys ID - ECS → .. Generate – select No → Settlement Date – BOD Date →CCY- INR → Debit/Credit indicator – select Credit Transaction →File Ref. – Give a name which you can understand easily→ Submit. File will be created. Go to HPR → Select & view “ECS Outward Dump Report” → see the “Print File Name”. The path to be used as “Source File” in HTRFTOPC. HTRFTOPC Give Source File as “finreports/ECS/<name given in File Ref. in HEGOC>”→ Destination Directory as <local path : drive\Dir\> → Submit. (ECS file path changed from “finreports/CDCI” to “finreports/ECS” from 28.07.2015. Up to 27.07.2015 file path was “finreports/CDCI”. Setting Mandate for Outward ECS (Now mandate is being done by Chennai) Create ECS Dump (Generate Outward Clearing File) the CEPT Transfer File to PC (Download file created HEGOC) ECS in ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 37 of 103

  38. EOD (COD) / BOD i.e. - End of Day (Closure of Day) / Beginning of Day EOD (COD) / BOD: End of Day (Close of Day) / Beginning of Day. It is the first as well as last work. On completion of successful Data Migration for Go-Live, EOD (COD) / BOD for the first time will be performed by DMCC / DC. EOD (COD) / BOD from the date of online are to be performed by the concerned office (SOL) and CPC. On successful execution of EOD (COD) / BOD, Day End will be performed for current date and immediately Day Begin will be performed for next working day. After completion of EOD (COD) / BOD, this form/work (EOD (COD) / BOD) does not require any verification (as it is not an transaction). There are three stages of EOD (COD) / BOD, such as (1) SOL level, (2) CPC level & (3) DC level. A. EOD (COD) / BOD by SOL: Command / Menu: SOL level EOD (COD) / BOD is possible only after completion of verification of all transactions by Supervisor(s). Supervisor should not wait for verification. Verification by Supervisor should be done immediately after a transaction. I. Sequence of operation: 1st step of EOD (COD) / BOD by SOL No. Work Items Menu Action 1 Check for Blocking validation Report → HPR item, EOD will fail. Clear these / do the needful. 2 Ensure no inventory is pending for verification HPR for the day. View it by HPR & verify if pending. 3 Teller Cash Position Inquiry of An Employee zero. 4 Ensure no financial transaction is pending “No Transaction pending”. Then only EOD/BOD is possible. If pending, verify & re-run . 5 Ensure no non-financial transaction is pending HAFP Supervisor to verify. 6 To perform EOD (COD) / BOD automatic. Performs Day end for current date and begins Day for next working day. A To know status of Day end day after tomorrow as “Next working day”. II.Menu Operation: HTCPIAE →Go Ensure balance in hand is 0(zero). HFTI→ Go. To inquire E-Entered & P-Posted items not Authorized. Select:= Transaction status: - > “E-Entered” or “P-Posted” -> Submit. Message: No records were fetched. (This part is normal) HAFI→ Go. In Ref. No. give . (dot) <enter>; Entered on: Give current date; Authorized: Not Authorized. Message: No records were fetched. (This part is normal) HAFI→ Go. In Ref. No. give One or Two space <enter>; Entered on: Give current date; Authorized: Not Authorized. Message: No records were fetched. (This part is normal) If A/cs are listed, then the A/cs are to be verified using Menu meant for New / Existing A/c verification (This is not an EOD blocking validation, but a blocking forinterest flow / DSA modification / closure etc.) HSCOD→ Go. No. of parallel SOLs:1to10→Submit. Wait a few minutes for completion of process. HSSI→ Go. → OK. On running the menu message appears:- Some Important fields are: SOL Status Closure Date 1 Change Date initiated Previous date 2 SOL PRECOD DONE Previous date 3 SOL Date changed Current date 4 SOL POSTCOD DONE Current date In HFINRPT, generate report EOD Blocking Validation Report. Use HPR and view the report.If there is any HFINRPT HIMR -> HIMR will generate a report of Inventory movement Ensure balance in hand is 0(zero) i.e Teller cash is HTCPIAE HFTI View E-Entered & P-Posted items & ensure it shows HAFI / View if any Audit file is pending for verification. If so HSCOD In No. of parallel SOL Give 1 to 10. Process runs HSSI See that it shows next date as “Day Begin date” and BOD Date Current date Current date Next working date Next working date Closure Closed Closed Not Closed Not Closed EOD Event status SCOD running SCOD running SCOD running EOD Event Not in Progress When HSSI screen status is like 4, HSCOD completed successfully. ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 38 of 103

  39. ”Do not worry about other fields, Then EOD/BOD for the SOL is completed. “Closure” field may indicate ‘Not Closed’ (means 3rd step of EOD not completed) or ‘Failed’. If “Closure” status is ‘FAILED’, then there is some validation problem. Invoke HPRand view ‘Validation Run Report’ and rectify the problem and re-run EOD at SOL. At times due to some reasons, HSCOD gets terminated before/after date change, but before completion. In this case re-run HSCOD. If anyone waits for some more time, it will be seen that “SOL Status”“Last successful SOL closure date”“Closure” EOD Event status” will change which will indicate that execution of 2nd/3rd step of EOD is started/completed. III.If EOD (COD) / BOD status fails, check the following. (Also applicable to CPC) Steps to Inquire EOD blocking validations: No. Work Items 1 View “Validation run report” to know the reason of HSCOD failure. 2 Pending Transactions, Unposted, unverified transactions 3 If any transaction is not getting posted Menus HPR (Run from the login who ran HSCOD) HFTI HTM (Try with a different Supervisor login) HIMCZ / HICTM HAFI HIMR ->HPR. HIMC / HICHB HSVALRPT 4 5 6 7 Pending inward Zone to be closed Pending Non Financial Unverified Accounts Pending Unverified Inventory Transaction List Report can be invoked to view the blocking validation B.EOD (COD) / BOD by CPC: Command / Menu: EOD (COD) / BOD by CPC are to be performed after EOD (COD) / BOD by SOL(s). It is required to perform Day End for each SOL by CPC and for CPC itself. i. Sequence of operation : 2nd step of EOD (COD) / BOD by SOL / CPC Work Items Menu 1 To know status of Day end of SOLs 2 To perform EOD (COD) / BOD for SOL(s) at CPC Action View & ensure Day End has been done by SOL(s). HSSI It is 2nd step of EOD (COD) / BOD for the SOL who has already completed HSCOD. To perform EOD/BOD one by one SOL, select SOL ID one by one. To perform EOD/BOD for the circle at a time select Set ID of the Circle. Give “No. of parallel SOLs”: 1 to 10 (as recommended). On execution of command process will run automatic for HSCOD completed SOLs in downward trend. It performs Day end for current date and begins Day for next working day. Do not repeat the command frequently. It is 3rd step of EOD & performs final EOD/BOD for SOL. HSOLCOP 3 To perform final EOD (COD) / BOD of SOL To know status of Day end HSCOLD A HSSI See that it shows next date as “Day Begin date” and day after tomorrow as “Next working day”. If not, wait till process completion. Using this command running of day end process can be viewed. B To know status of process running for Day end After executing Sl. No.2 (HSOLCOP) / Sl. No.3 (HSCOLD), Sl. No. A & B (HSSI & EODMON) can be used at any time to view status of Day End. If HSOLCOP/ HSCOLD status fails / gets terminated, invoke HSAC and delete all logins (Batch Jobs). EODMON C D N.B.: individually for each SOL using SOL ID. At that time Set ID (i.e. Circle ID) may perhaps be used. With increase of number of offices may perhaps be impracticable to run HSOLCOP & HSCOLD ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 39 of 103

  40. ii. Monitoring Menu Operations: HSSI <enter>. Following fields appear in the HSSI result screen. Fields in HSSI result screen SOL ID SOL ID No. SOL ID No. SOL Status Change of date initiated Closure Date Current date BOD Date Next working date Last successful SOL closure date date Next working date SOL Batch operating date Closure Not Closed EOD Event status SCOD running process EODMON<enter> Select Circle Name → GO. Following fields appear in the EODMON result screen. Field → SOL ID SOL Name SOL Status SOLs open Result → No. Result → No. Field Value Action Field Value Action Field Value Action SOL ID No. SOL closure Batch Job done SOL POSTCOD Done Indicates EOD at the SOL started run HSOLCOP for the SOL. EOD/BOD for the SOL done. CPC can CPC can run HSCOLD for the SOL. Indicates HSOLCOP ran successfully. Current date Next working date Day before current date Day after BOD date Day before current Day after BOD date Not Closed EOD Event not in process EOD Event not in Total SOLs / Total Status Indicator Remarks SOL ID HPO Name Open n/n EOD of CPC for the SOL not completed EOD of CPC for the SOL completed Xin Red SOL ID HPO Name Closed n/0 → in Green Remarks & Observations: (1)When against each SOL ID / SOL Name “Total SOLs open” & “Status Indicator” show n/0 and → in Green respectively, then only, EOD/BOD by CPC (for the set/circle) is completed. (2)EOD/BOD on National Gazetted Holidays:- No EOD/BOD. (3)EOD/BOD on Local Gazetted Holidays / Natural calamities strikes / Bandhs:- EOD/BOD to be done. EOD (COD) / BOD for DC: Will be done by CBS-CEPT / Data Centre. Find out new account No. for old account No. (a)Command / Menu: Work Item / Purpose Operator Menu CNAC Supervisor Verify (V) / Transaction (T) Menu Menu CNAC 1 Find out new account No. Find New A/c No. from Old A/c No. Type T On migration to Finacle all the old A/c Nos. will be changed to 10 digit New A/c Nos. There will be no concept of A/c Block for different schemes. New A/c No. is allotted by the software randomly. Input Format of Old A/c No.: SOL ID+Scheme+Old A/c No. or Certificate No. Example: Bhubaneswar GPO – SOL ID: 75100100. Then old A/c No. will be Scheme Old A/c No. Scheme Old A/c No. KVP 75100100KVP? NSS 75100100NSS? MIS 75100100MIS? RD 75100100RD? NSC 75100100NSC? SB 75100100SB? Replace ? with old A/c No. or Certificate No. as the case may be. Security Deposit (SD) comes under SB. Scheme SCSS TD Old A/c No. 75100100SCSS? 75100100TD? ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 40 of 103

  41. Freezing of A/c (a)Command / Menu : Freezing of A/c Work Item / Purpose Operator Menu HAFSM Supervisor Verify (V) / Transaction (T) Menu Menu HAFSM 1 Freezing of A/c Freezing & Unfreezing of A/c Type V Freezing is referred to the restriction on an account, where Finacle restricts transactions in an account. It could be a debit freeze or a credit freeze or a total freeze. When it is a total freeze then the account can neither be credited nor be debited. Freezing of A/c – Brief Menu Operations (Also used for pledge) Freezing of A/c giving only the CIF ID and not giving the A/c ID) → Freeze Code – Total / Debit / Credit → Freeze Reason Code from the searcher → Click on Go → Check box the a/c for which freeze to be placed. →Submit. Supervisor to verify –Menu –HAFSM ; Function –V- Verify Freeze Code: Total=No transaction allowed. Credit= Deposit not allowed. Debit: Withdrawal / Transfer / Closure not allowed. Unfreezing of A/c Submit for verification. Supervisor to verify – Menu –HAFSM ; Function – Verify Functions in Finacle A number of functions are available in Finacle to perform different jobs / works. The functions are self- explanatory. A few of them are:- Function Used for / Remarks 1 A-Add 2 D-Delete 3 D-Destroy Inventory Function – Freeze → A/c ID → CIF ID (Note: you can freeze all a/cs under a CIF by HAFSM Function – Unfreeze → CIF ID / A/c ID → Select A/c from the cheque box →Click on HAFSM 17 18 19 Function P-Process R-Reject R-Release to shadow Balance R-Renewal R-Revoke Stop Pay Used for / Remarks HCASHPND CIF Cheque clearing 4 5 6 E-Extend G–Lodge G-Regularize Shadow Balance I-Inquire L-Trial Close M-Merge M-Modify N–Dishonor O-Collect O-Open P-Pay off Loan Amount P-Post C-Copy PPF Cheque clearing 20 21 22 POSB Cheque Cheque clearing S-Split Inventory 7 8 9 10 11 12 13 14 15 16 Inventory Cheque clearing TDS Cheque clearing Agent (HDSAMM) 23 24 25 26 27 28 29 30 31 S-Stop Pay S-Suspend T–Transfer U–Unfreeze U-Unsuspend V–Revoke Suspension V-Verify X-Cancel Z-Close POSB CQ CIF CIF Cheque clearing Used for / Remarks “Blank” means, it is a common function & working for different schemes. Do not try to get it remembered. In course of work it will be remembered automatically. These are available in drop-down menu to select. This booklet is normally contains work flow of A-Add / M-Modify / V-Verify and their related functions. Other functions can be done in similar manner. To keep the booklet size small, it is impracticable to describe all functions. Certain command / menu option are not available to users (are getting available in course of time). For certain jobs (work / transactions) more than one command / menu option has been given, but both are not available to user. Try the command / menu option and use which is available to user. ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 41 of 103

  42. Inventory Management – Certificates & Cheques (a)Command / Menu : Inventory Management Work Item / Purpose Operator Menu Supervisor Verify (V) / Transaction (T) Menu Menu HIMC HCCS HISAI HISIA HIMAI HIMIA ---- HIMI ---- HICHB HSPPAU 1 2 3 4 5 6 7 8 9 1 2 3 4 Inventory Management ---- ---- HISAI HISIA HIMAI HIMIA HISR/HISRA HIMI HIIA Type TV T TV TV TV TV T V V T V Add Inventory & Verify (Cheque / KVP / NSC) Change SOL ID to Transfer Inventory by HO Split Inventory Own Location Split Inventory Other Location Merge Inventory Own Location Merge Inventory Other Location Inventory Status / Stock Report Inquire Inventory (Between Locations – Movement) Inquire Inventory (Particular Location / Available) Cheque Book maintenance (also given separately under SB A/c) Issue Cheque Books Stop Payment Processing of Cheque Inquire Account ID For A Cheque Cheque Book Maintenance (Acknowledge, Inquire, Destroy etc.) Cheque Book Issued Register Inventory Movement Report To know status of all Inventory movement for a day (Authorised & Not Authorised) HICHB HSPP HINQACHQ/CHAIN HINQACHQ/CHAIN HCHBM/CHBM HCHBM/CHBM 5 1 HCHBIR/CHQBIR HIMR → HPR HCHBIR/CHQBIR HIMR → HPR T T Inventory Code List for POSB Cheque & KVP/NSC Item Class POSB Cheque CHQ KVP New (Reintroduced in Nov-2014) KVN KVN KVP This is old one. Not to be used Inventory Management – Brief Menu Operations Add Inventory – CSD to HO (Two Supervisor to verify) Type CHQ K1000 K10T K5000 K50T Description CHEQUES KVP New – Rs.1000 KVP New – Rs.10000 KVP New – Rs.5000 KVP New – Rs.50000 Item NSC Issue Class NS8 NS8 NS8 NS8 NS8 NS9 NS9 NS9 NS9 NS9 Type N10000 NC1000 NC5000 NSC100 NSC500 N10000 NC1000 NC5000 NSC100 NSC500 Description NSC8 RS 10000 NSC8 RS 1000 NSC8 RS 5000 NSC8 RS 100 NSC8 RS 500 NSC9 RS 10000 NSC9 RS 1000 NSC9 RS 5000 NSC9 RS 100 NSC9 RS 500 8th KVN KVN 9th NSC Issue Function – A-Add → Go → From Location Class – ZZ → From Location Code – EXT → To Location Class – DL → To Location Code – DL → Accept → Select Inventory Class / Type – from searcher → Inventory Alpha → Start No. → End No. → Validate → (If another inventory is to be added then click on Add) →otherwise Click on Submit. Note Inventory Tran ID. Function – V-Verify (Custodian to Verify) → Inventory Tran ID – Give inventory trans ID to be verified → Click on Authorize Details Tab → Click Authorizer button against which is written Not Authorized → Custodian to give password Repeat above step for another Authorizer if any → Click on Submit (On issue of CHQ/KVP/NSC to customer It shows “To Location” as External to System) HO to do this function: Change the SOL (Menu –HCCS) → Select New Context Sol ID from the searcher → Click on Submit. No verification required HO to do this function: Function – Add → Click on Go →From Location Class – ZZ → From Location Code – EXT → To Location Class – DL → To Location Code – DL → Click on Accept → Select Inventory Class / Type – from searcher → Inventory Alpha → HIMC Add → HO to SO (Supply Inventory HO to SO) Inventory HCCS of HIMC from ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 42 of 103

  43. Start No. → End No. → Validate → If another inventory is to be added then click on Add otherwise Click on Submit. Note Inventory Tran ID and send stationery to SO & Give Tran ID SO User / Custodian will verify upon receipt of stationery from HO Menu – HIMC → Click on Go → Function –Verify →Inventory Tran ID - Give inventory tran ID to be verified → Click on Authorize Details Tab →Click Authorizer button against which is written Not Authorized → Custodian to give password. Repeat above step for another Authorizer if any → Click on Submit. Alternative Method: HO may send inventory to SO with manual invoice. SO Supervisor will enter the inventory in DL and authorize. (Single authorization for SO). Function – Add → Click on Go → From Location Class – DL → From Location Code – DL → To Location Class – EM → To Location Code – Employee ID → Click on Accept → Select Inventory Class / Type – select from searcher → Inventory Alpha → Start No. → End No. → Validate. If another inventory is to be added then click on Add otherwise Click on Submit. Note Inventory Tran ID Verification by Supervisor: Function – Verify → Inventory Tran ID - Give inventory tran ID to be verified → Click on Authorize Details Tab → Click Authorizer button against which is written Not Authorized → Custodian to give password. Repeat above step for another Authorizer if any → Click on Submit Function – Split (Note – employee ID will be frozen)→ Select Inventory Class / Type – from searcher → Click on Go → Items Per Unit – No. of Leaves in a cheque book → No. of Units – No. of Cheque Books. Note the multiplication of above 2 should be equal to total No. of leaves being split. This entry is NOT required to be verified. A user of higher class like post master can split inventory held by Counter PA. Function – Split → Employee ID → Select Inventory Class / Type → Go → Items Per Unit – No. of Leaves in a cheque book - No. of Units – No. of Cheque Books. Note the multiplication of above 2 should be equal to total no. of leaves being split. Click on Submit. This entry is NOT required to be verified. Function – Merge (Note – employee ID will be frozen). → Select Inventory Class / Type → Inventory Serial No. → Click on Go → See Cheque Details → Click on Submit. This entry is NOT required to be verified. A user of higher class like post master can merge inventory held by Counter PA. Function –Merge →Select Inventory Class / Type → Employee ID → Inventory Serial No. → Click on Go → See Cheque Details →Click on Submit. This entry is NOT required to be verified. Shows both Authorised & Not Authorised inventory movement on screen for specified dates. OR Generates report for both Authorised & Not Authorised. The same can be viewed / printed by HPR. Add Inventory at SO / Employee (Give Inventory to the PA) HIMC HO to Split Inventory – Own Location (By Supervisor) HISAI Split Inventory – Other’s Location (Teller Location) HISIA Merge Inventory – Own Location (Both Level) Merge Inventory –Other’s Location (Both Level) To know status of all Inventory for a day HIMAI HIMIA HIMI HIMR → HPR Lien Maintenance (a)Command / Menu:Lien Maintenance Work Item / Purpose Operator Menu HALM HACLI HACCBAL Supervisor Verify (V) / Transaction (T) Menu Menu HALM HACLI HACCBAL 1 2 3 Lien Maintenance Type V T T Marking / Removing Lien on A/c Show / See the effect of Lien on a/c balance Show / See the lien amount Lien is referred to an earmarking or blocking a certain amount in an account for a defined or a pre-defined period. Some Important Liens: RD loan is an auto lien with RD principal A/c. Migrated account where default fee has not been collected in Sanchay post, the default fee is put as Lien and to be recovered on closure. Excess interest credit in SCSS Accounts for which IAR (Interest Audit Register) entry has been made, so that customer may not close the account without refunding the excess interest. ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 43 of 103

  44. Lien Maintenance – Brief Menu Operations Marking Lien on A/c Function – Add → A/c ID → Click on Go → New Lien Amount – Give the amount to be blocked → From Effective Date –today’s date → Lien Reason – Select from searcher → Submit to Verify. Supervisor to verify – Menu –HALM ; Function – Verify Note to see the effect on a/c balance in HACLI and the lien amount in HACCBAL Function – Modify → A/c ID → Click on Go → Amount – 0 → Click on Submit to Verify Supervisor to verify – Menu –HALM ; Function – Verify Note to see the effect on a/c balance in HACLI and the lien amount in HACCBAL HALM Removing Lien on A/c HALM NSS A/c (a)Command / Menu : NSS A/c Work Item / Purpose (The withdrawal should be in multiple of 100) Operator Menu Supervisor Verify (V) / Transaction (T) Menu Menu CTM or CXFER HACM HCACC HCAAC / CLOSE V HAFSM ---- 1 2 3 4 5 6 NSS A/c CTM or CXFER HACM HCACC HCAAC / CLOSE HAFSM HACM_MIS Codes HACM_MIS Codes Type V V V Withdrawal Transactions Amend Nomination Details & Verify Take TDS before Closure Closure of NSS A/c & Verify Removal of Freeze & Verify Enquire NSS92 original deposit amount (Free Text 12) Enquire NSS Form 15G / 15H update (Free Code 9) V 7 ---- Some Tips: NSS was introduced for a maturity period of 4 years. The units were extendable thereafter at the instance of the customers. b) There are two schemes of NSS – NSS 87 and NSS 92. c) Modification of the NSS accounts like addition, deletion or change of nomination as applicable. d) Withdrawal of certain amount from NSS A/c. i. NSS 87 – Balance at the end of 4th preceding financial year less withdrawals made if any. ii. NSS 92 – Only accrued interest withdrawal. iii. Only one withdrawal is permitted in one financial year. NSS A/c – Brief Menu Operations Withdrawal Transactions CXFER Show HACLI for TDS recovery in case of withdrawal > INR.2500/- in NSS 87. Closure of NSS A/c Closure sequence 1.CIF Modification 2.A/c Modification 3.Balance inquiry 4.Unfreeze 5.Interest calculation 6.TDS 7.Closure 8.Refund of TDS if not due but deducted. Interest calculation (HACINT) is not required for closure in the month of April. team to reverse the charges. Please attach the 15G form again and verify the same. Follow process for CTM for Cash Withdrawal or CXFER for A/c Transfer CTM / Modify PAN, Income & Tax Information in CIF. Supervisor to Verify. Modify Tax Form to update Form 15G/15H in the A/c. Supervisor to Verify. View the ledger balance & ensure interest amount is calculated and posted. If not, HACINT to be run after unfreezing. Function – U – Unfreeze →A/c ID →Click on Go →Select Entry by clicking on Check Box →Click on Submit to verify Supervisor to verify – Menu –HAFSM; Function V – Verify If interest is not posted as per HACLI, run HACINT to calculate and post Current Year Interest (CYI). Take TDS Before Closure (For NSS 87 Cases only)- Menu-HCACC. Function – O – Collect →A/c ID →Click on Go → Expand Icon against Closure Charges Amount →Click on Accept → Click on Submit to Verify Supervisor to Verify – Menu –HCACC; Function – V – Verify Reversal of TDS charge if TDS is not due. Function → Reverse → NSS A/c ID → Go → select the transaction → submit → Note the reference number. Supervisor to verify menu: HCHRT→verify. If the menu is not accessible, please take assistance from DOP IT team or CEPT CMRC HACM HACLI HAFSM HACINT HCACC HCHRT ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 44 of 103

  45. Function – Z – Close →A/c ID – NSS A/c to be closed → Balance – Check Transfer Box if Balance is there / Uncheck Transfer Box if Balance is zero →Transaction Type – Select Cash or Transfer if Balance Transfer Box is checked →Transfer A/c ID – SB A/c or Post Master Cheque A/c if Transfer selected in Transaction Type →Click on Go → Click on Closure Tab →Note the Tran ID →Select Reason Code from the searcher →Click on Submit to Verify Supervisor to Verify – Menu –HCAAC/CLOSE; Function – V – Verify For menu operation & procedure see TDS Module/ Topic. (NSS-87 detail has been given under Closure”). closure in HCAAC / CLOSE “Account HRFTDS Office A/c (a)Command / Menu:Office A/c Work Item / Purpose Operator Menu HTM Supervisor Verify (V) / Transaction (T) Menu Menu HTM 1 Office A/c Type V Postings into Office Accounts Basic and Office Accounts Pointing & Verification Parking of Unposted Amount where Credit a/c no. is wrong OR unknown (CTM- Cash, CXFER- Transfer) Inquire on Transactions Ledger Inquiry – Office Accounts Office A/c. Ledgers Print 2 CTM / CXFER CTM / CXFER V 3 4 5 HIOT / TIPM HACLINQ HACLPOA HIOT / TIPM HACLINQ HACLPOA T T T Some Tips: The accounts that are used by the Post Offices and Financial Institutions for their internal purposes are called Office Accounts in Finacle. The Office Accounts are opened for accounting purpose. There are three (03) types of Office A/cs. Office accounts Explanations Office accounts basics (OAB) All income / expenditure / asset accounts are basic Office Accounts. Office accounts pointing (OAP) Sundry creditors (Sundry A/cs) and the Suspense Payment accounts are the office pointing accounts. System office accounts Proxy accounts are the System office accounts. Office A/c – Brief Menu Operations Parking of Unposted Amount where Credit a/c no. is wrong OR unknown transfer Supervisor to Verify – Menu –CTM / CXFER ; Function – Verify Reversal of Funds → Click on Go → Record 1 screen will appear → Debit A/c ID – Sundry A/c ID →Restore Values – A – Additional Part Tran Details → Click on Go →Click Go on next screen → List of records of the same amount will appear → Select the right record by checking the box →Click on Accept → Restore Values – G – Partitioning Details – Click on Go → Pat Tran Type Entity ID – Teller a/c id of person reversing the entry → Click on Accept → Click on Add → Record 2 screen will appear → Click Credit Radio Button → Credit A/c ID - Correct A/c ID of the customer → Amount – click on contra amount icon → Post to Verify. Note Tran ID. Supervisor to Verify – Menu –HTM ; Function – Verify Ledger Inquiry HACLINQ A/c ID – Office A/c ID → Click on Go → Click on Go Function – Add → Function Type – Deposit / Withdrawal →Click on Go → A/c No. – Sundry A/c (in CXFER give this as credit a/c ID) → Amount → Transaction Particulars – Give suitable narration so that the entry can be identified at the time of reversal → Option – G – Partitioning Details →Partitioning A/c ID – Ref A/c ID of Teller / Cust. A/c ID →Post. Note Tran ID CTM case cash CXFER case of a/c in of / in Function Code – Add → Transaction Type / Sub-Type – T/CI-Customer Induced HTM ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 45 of 103

  46. Important Office A/cs in Finacle. For details refer FAQ of 04.10.2014 Office Account Description Vault Account BO Settlement Account Post Masters cheque account New Account opening RD/ TD/MIS/ SCSS/ PPF/Certificates by other bank Cheque. Money Order transfer Account Deposit Reinvestment Account (Its use has been discontinued vide SB Order No.07/2015 dated 18.06.2015) Rd Default Fee Account PPF Transit Account SCSS Transit Account Sundry Deposit SCSS - Interest payments Discontinued Scheme Office Account Description A/c No. 0406 0339 0340 Office Account Description Sundry Deposit TD Interest payment Sundry Deposit MIS Interest payment Clearing Dr. A/c. Inward Clearing Clearing Cr. A/C. Outward Clearing A/c - subsequent PPF, RD & Agent Bulk Deposit ECS Suspense Account A/c No. 0335 0337 0101 0382 0385 0017 0098 0387 0384 0322 0437 0338 Outward Credit ECS Settlement Account Outstation Cheque Clearing Pension Upload Account (Dr.) Salary Upload Account (Dr.) DBT (NREGA FTO) Upload Account (Dr.) 0096 0110 0408 0409 0410 A/c No. 0142 0148 0151 0162 0146 0150 0152 0143 0141 0154 0163 0153 0140 0139 0144 0138 0147 0145 0149 0155 0156 0157 0158 0159 0160 0161 A/c No. 0411 0416 0423 0434 0414 0422 0424 0412 0436 0426 0435 0425 0419 0413 0420 0418 0415 0421 0417 0427 0428 0429 0430 0431 0432 0433 Discontinued Scheme: Principal Discontinued Scheme: Interest 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 10 Years CTD 10 Years Defense Deposit Certificates 10 Years National Plan Savings Certificates 10 Years NSC I Issue 10 Years SSC 12Years National Plan Savings Certificates 12 Years National Savings Certificates 15 Years CTD 5 Years CTD 5 Year National Savings Certificates 5 Year PO Cash Certificates 7 Years National Savings Certificate Compulsory Deposit Scheme 1963 FD 5 Years Indira Vikas Patras Mahila Samridhi Yojna (MSY) National Defense Certificate 12years National Development Bonds National Savings Annuity Certificates NSC 1st Issue NSC II-Issue NSC (III-Issue) NSC ( IV-Issue) NSC ( V-Issue) NSC ( VI-Issue) NSC ( VII-Issue) Interest On10 Years CTD Interest On 10 Years Defense Deposit Cert. Interest On 10 Year National Plan Savings Cert. Interest On 10 Years NSC I Issue Interest On 10 Years SSC Interest On 12 Yr National Plan Savings Cert. Interest On 12 Years National Savings Cert. Interest On15 Years CTD Interest On 5 Years CTD Interest On 5 Year National Savings Certificates Interest On 5 Year PO Cash Certificates Interest On 7 Years National Savings Certificate Interest On Compulsory Deposit Scheme 1963 Interest On FD 5 Years Interest On Indira Vikas Patras Interest On Mahila Samridhi Yojna (MSY) Interest On National Defense Certificate Interest On National Development Bonds Interest On National Savings Annuity Cert. Interest On NSC 1st Issue Interest On NSC II-Issue Interest On NSC ( III-Issue) Interest On NSC ( IV-Issue) Interest On NSC ( V-Issue) Interest On NSC (VI-Issue) Interest On NSC (VII-Issue) ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 46 of 103

  47. Other SOL Transaction (Inter SOL Transaction) (a)Command / Menu: Other SOL Transaction Work Item / Purpose Operator Menu HACLI HACXFSOL ---- Supervisor Verify (V) / Transaction (T) Menu Menu HACLI HACXFSOL HAALM 1 2 3 Other SOL Transaction (Inter SOL Transaction) Balance Inquiry Transfer in from other SOL (inter SOL Transfer) Name change Type T V TV Post Office / Bank where the account stands is called the Home SOL. Any transaction performed in other than Home SOL is called Inter SOL Transaction. E.g.: Account ‘N’ stands at Bhubaneswar GPO. Hence Bhubaneswar GPO is the Home SOL for A/c ‘N’. If any transaction for A/c ‘N’ is performed at other than Bhubaneswar GPO, the said transaction is called Inter SOL Transaction. Inter SOL Deposit / Withdrawal For cheque deposit get the cheque cleared at the SOL where presented. Then follow the normal procedure of deposit. Give transaction type as “Transfer”. Inter SOL closure 1st the A/c needs to be transferred to the destination SOL. Then closure to be done. Procedure is given below. (Ref. SB Order Nos.8/2014 with Addendum &07/2015 for detailed procedure) Inter SOL Transfer It is required either for closure or on the request of customer. Procedure is given below. HACXFSOL Transfer in/out is not required for normal Deposit / withdrawal. A.Transfer-in (Transaction at destination SOL) B.Transfer-out (Transaction at Home / Source SOL) Function – T-Transfer → Go → Source SOL → Target SOL → A/c ID → Submit. Note Instrument ID. Supervisor to verify in the same menu. Procedure:(Inter SOL Transactions are governed bySB Order Nos.8/2014, its Addendum on 14.8.2014 & 7/2015) 1.Inter SOL Transaction is possible among CBS P.Os only. Transactions (Financial or Non-Financial) can be initiated in any CBS Post Office for any scheme (Savings, RD, TD, MIS, SCSS, PPF or Certificates). (a)Financial Transactions: Amount of the transaction appears in Consolidation & LOT (Inter Branch) of the office where the transaction is performed. No transaction would appear in the office where account / certificate stands. Extra care should be taken at the time of such transactions. (b)Non-Financial Transactions: It can be done at Home SOL only. In case of Death Claim receipt, the CIF can be modified to enter Death information at the SOL where claim application is presented.(SB Order No.7/2015) 2.Verification of Inter SOL Transaction: - All Financial or Non-Financial Transactions should be verified immediately by Supervisor / SPM at the same office where the transaction is initiated. 3.Mode of Payment: - Allpayments related to Inter SOL Transaction should be made by crossed cheque or credit to Savings Account (where appropriate KYC documents have been taken). 4.New A/c opening or New KVP/NSC purchase: Should not be done for other SOL. 5.Deposit: – No risk. Follow the process of normal Deposit & KYC norms. 6.Withdrawal: (a)Use Menu HACLI & ensure genuineness of A/c and it stands in Finacle. (b)Verify signatures of the holder(s) on the withdrawal Form or Account Closure Form with that available in Finacle. It is confirmed from the signatures that holder is genuine. (c)Payment should be made to the account holder as per process being followed for normal withdrawal. (d)Withdrawal from savings Account for more than for Rs. 50,000/- , it should be allowed only if signatures are available in the system and are tallied. 7.Account Transfer: - In CBS environment, transactions can be initiated in any CBS Post Office. Hence there perhaps no need of transfer. If still, the customer wants to transfer his account, then the transfer (SOL change) can be performed either at Home SOL (source SOL) or at the destination SOL. The A/c holder should be asked to fill SB-10(b) or NC-32 as the case may be and give fresh ID as well as Address Proof and Mobile number. After proper verification of KYC documents, Certificates first be transferred IN by using HACXFSOL. Menu option is as per the scheme (e.g. SB/SSA- CTM, PPF- CPDTM or CPWTM, RD-CRDP). ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 47 of 103

  48. 8.Intimation of Transfer/Discharge & Sanction of Claim and preservation of SB-10(b) or NC-32 or Claim Application Form & KYC documents (SB Order No.7/2015). An intimation of Transfer/Discharge should be sent to the office of issue by service registered post which will make Transfer/Discharge entry in the Purchase Application (in case of old certificates) or AOF. In case of claim sanction, an intimation of Sanction of Claim/Transfer/Discharge along with copy of sanction memo should be sent to the office of issue by service registered post which will make Death/Transfer/Discharge entry in the Purchase Application(in case of old certificates) or AOF. SB-10(b) or NC-32 or Claim Application Formand KYC documents should be preserved in the CBS Post Office (who performed the transfer in) in A4 size Ring Guard File If certificates are transferred in the name of claimant, KYC Form has to be taken from the claimant and sent to CPC of the office where claim is sanctioned. CPC will scan the Photograph and signature and attach the same with new CIF. 9.Closure / Discharge / Encashment: (a)1st step is same as (a) & (b) of withdrawal. (b)Obtain SB10 (b) or NC-32 as the case may be with required KYC documents (ID & Address proof). (c)Then Accounts(s) first to be Transferred IN by using HACXFSOL. Supervisor to verify it. (d)Customer’s new address, KYC information and mobile number should be entered through account modification menu. (Menu: Used for “Modification of existing A/c or Modification after verification”). (e)The modification should be verified by Supervisor. (f)Thereafter the a/c may be closed. (g)Payment should either be made by crossed cheque or credit to Savings Account (where required KYC documents have been taken) only. (Whenever any account is closed at the office other than the office where account was opened, in any case, payment should not be made by cash.) 10.Re-investment: (For details see Reinvestment above, scenario-14 below & SB Order No.07/2015) (a)1st step is same as 8(a) to 8(e) of Closure / Discharge / Encashment. (b)Use of Re-investment office account (0387) has been discontinued vide SB Order No.07/2015 dated 18.06.2015.Closing proceeds (maturity value + interest) should be transferred to customers Savings A/c from where re-investment to be made. (c)No re-investment should be accepted if customer does not have a Savings Account in a CBS Post Office or customer is not ready to open new Savings Account, in such a case, payment should be made by Postmaster Cheque only. 11.Deceased (Death) claim case: (a)In CBS environment, claim form can be submitted at any CBS post office. When such a claim is presented at any CBS post office, first of all, user has to enter date of death in the CIF and supervisor has to verify. Then procedure of settlement of deceased claim case has to be followed. After sanction of claim, if claimant wants payment, procedure mentioned in scenario 2 & 6 of SB Order No.8/2014 dated 06/08/2014 should be followed. If claimant wants transfer of certificates / accounts in his/her name, open new CIF in his/her name based on new AOF (if no CIF is available in his/her name) and attach the existing Certificates / Accounts with new CIF (if continuance of certificates / accounts after death is permitted under POSB rule. Some schemes are not permitted to continue after death such as SB. Please refer POSB manual and SB Orders published from time to time.) Name of holder can be changed through menu HAALM. 12.SB10 (b) / NC-32 / Claim Application Form to be preserved in the CBS Post Office where the transaction is initiated. 13.If the certificates /accounts belong to the period of pre-migration, an intimation of discharge / sanction memo / closure intimation should be sent to the office where the certificates /accounts stand by service registered post which will make discharge / closure entry in the Purchase Application / AOF etc. 14.Inter SOL transactions are adjusted at CBS-CEPT, Chennai at some fixed timing. Hence this transaction(s) must be verified immediately. It is an EOD Blocking Validation. ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 48 of 103

  49. Special Circumstances / scenarios of Inter SOL Transaction: 1.When a Certificate holder attends CBS Post Office from where Certificates were purchased for transfer of certificates to another CBS Post Office (SB Order No. 8/2014) Request politely that there is no need for transfer of certificates as on maturity; payment can be taken from any CBS Post Office after giving NC-32 & fresh KYC documents. 2.When a Certificate holder attends any CBS Post Office other than Home SOL to encash certificates either on maturity or for premature closure (SB Order No. 7/2015) Procedure is same as given above. However, the same is reproduced below in short. Confirm genuineness of certificate in HACLI. Verify holder’s signature. Obtain NC-32 & fresh KYC documents. After proper verification of KYC documents, Certificates first be transferred IN by using HACXFSOL. Customer's new address and mobile number should be entered through account modification menu and it should be verified by Supervisor. Then payment should be made by crossed cheque or credit to savings account. An intimation of Transfer/Discharge should be sent to the office of issue by service registered post which will make Transfer/Discharge entry in the Purchase Application (in case of old certificates) or AOF. NC-32 and KYC documents should be preserved in the CBS Post Office 3.When any claimant (in case of death of holder) presents certificates issued by another CBS Office along with claim application form for payment or transfer to the claimant's name (SB Order No. 7/2015) Procedure is same as given above. However, the same is reproduced below in short. In CBS environment, claim form can be submitted at any CBS post office. On receipt of claim form, user has to enter date of death in the CIF and Supervisor has to verify. Claim has to be settled as per procedure. After sanction of claim, if claimant wants payment, procedure mentioned in scenario 2 should be followed. If claimant wants to transfer of certificates in his/her name, open new CIF in his/her name based on new AOF(if no CIF is available in his/her name) and attach the existing Certificates (Accounts) with new CIF. Name of holder can be changed through menu HAALM. An intimation of Sanction of Claim/Transfer/Discharge along with copy of sanction memo should be sent to the office of issue by service registered post which will make Death/Transfer/Discharge entry in the Purchase Application (in case of old certificates) or AOF. Claim Application Form and KYC documents of claimant and Account Opening Form (AOF) should be preserved in the CBS Post Office. If certificates are transferred in the name of claimant, KYC Form has to be taken from the claimant and sent to CPC of the office where claim is sanctioned. CPC will scan the Photograph and signature and attach the same with new CIF 4.When Account Holder of MIS/SCSS/TD scheme approaches CBS Post Office, where account stands for transfer of accounts before maturity to another CBS Post Office (SB Order No. 8/2014) Same as scenario-1 & 5. Withdrawal of Monthly/quarterly or Yearly interest and closure on maturity can be done at any CBS Post Office. Closure payment should not be made by cash in any case. 5.When Account Holder of MIS/SCSS/TD scheme approaches any CBS Post Office for taking interest or closing accounts (SB Order No. 7/2015) Confirm genuineness of certificate in HACLI. Verify A/c holder’s signature. Interest Payment: Interest should be made to the account holder as per process being followed for normal withdrawal. Closure: Same as scenario-2. However, the same is given in short. Obtain SB-10(b) & fresh KYC documents. After proper verification of KYC documents, A/c first be transferred IN by using HACXFSOL. Customer's new address and mobile number should be entered through account modification menu and it should be verified by Supervisor. Then payment should be made by crossed cheque or credit to savings account (where required KYC documents have been taken and signatures are available in the system). An intimation of Transfer/Closure should be sent to the office from where the account was transferred by service registered post which will make Transfer/Closure entry in the Original AOF. SB-10(b) and KYC documents should be preserved in the CBS Post Office. 6.When any claimant presents documents for preferring claim (in case of death of depositor) in respect of any MIS/SCSS/TD/RD/PPF account(s) stand at another CBS Office alongwith claim application form for payment or transfer of account (RD/TD/SCSS {only spouse}) in the name of claimant (SB Order No. 7/2015) Procedure is same as given above for CC in scenario-3. However, the same is reproduced below in short. Death should be noted in the relevant field in CIF of deceased depositor. Supervisor to verify. Claim has to be settled as per procedure. After sanction of claim, if claimant wants payment, procedure mentioned in scenario 5 should be followed. ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 49 of 103

  50. If claimant wants to transfer RD/TD/SCSS (only spouse) account in his/her name, open new CIF (based on new, Account Opening Form (AOF), KYC Form & KYC documents) in his/her name (if not already exists) and attach the existing Accounts with new CIF. Name of holder can be changed through menu HAALM. Claim Application Form and KYC documents of claimant or Account Opening Form (AOF) should be preserved in the CBS Post Office. In case account(s) is/are transferred in the name of claimant, KYC Form has to be obtained and sent to CPC of the office where claim is sanctioned. CPC will scan the Photograph and Signature and attach the same with new CIF. 7.When a Certificate holder whose certificates stand at CBS post office wants payment of matured certificates at non CBS Post Office (SB Order No. 8/2014) (a)Non-CBS post office: Postmaster should ask customer to submit application with contact number on plain paper in duplicate requesting payment at non- CBS post office; to submit original certificates duly signed on the back and fresh KYC documents for identification. Postmaster will accept KYC documents on the application for payment under dated signatures and send original certificates and application for payment duly accepted under his dated signatures attesting holder’s signature withdesignation stamp by service Insured Post to the Postmaster of CBS Post Office from where certificates were purchased. He will enter details of certificates and holder (including contact number) in a register to be maintained in manuscript. (b)CBS post office: On receipt of Insured, Postmaster will open the same and enter details of certificates and holder (including contact number) in a register to be maintained in manuscript & verify the same. On satisfying himself that Postmaster of Post Office (Non CBS) has attested signatures of holder on the application, will transfer original certificates to the CBS counter. Further process for discharge of certificates will be followed at the CBS Post Office. A crossed Postmaster cheque for the maturity amount will be prepared in the name of holder and handed over to the Postmaster. Entry of the cheque will be made in the same register and cheque will be sent by service Insured Post to the Postmaster of the Post Office (non CBS) from where certificates were received. Insured Letter number and receipt should be entered in the register and receipt will be pasted against the entry. (c)Non-CBS post office: On receipt of Insured letter at the Post Office (non CBS) from where certificates were sent, Postmaster will open the Insured Letter, enter Insured Letter number and cheque number as well as date in the register against the entry which was made at the time of sending the certificates. Certificate holder should be called over phone to receive the cheque. When certificate holder attends post office, cheque should be handed over to him under receipt in the register against the relevant entry. Note: Process involves risk as original certificate will move. 8.Application for transfer of certificates sent for verification by non CBS post office and on receipt of verification, post office migrated to CBS (SB Order No. 8/2014) The Postmaster will send such requests to the divisional head who will inform the certificate holder and arrange payment from the nearby non-CBS Post Office. 9.Advice of Transfer (AT), issued by a non CBS HO received at CBS HO or SO (SB Order No. 8/2014) Account Holder should be contacted and requested to provide name of any nearby non CBS Post Office for opening of account. On getting such information, account will be opened on transfer in that office. 10.An account holder of a CBS Post Office applies for transfer of account to any Non CBS Post Office or any account holder of non-CBS post Office to a CBS Post Office (SB Order No. 7/2015) Transfer of account from CBS Post Office to Non-CBS Post Office and vice versa is not allowed. Before issue of AT, list of CBS Offices should be consulted from DMCC Chennai website and if that post office is already in the list of CBS Post Offrces, AT should not be issued. Account holder should be advised accordingly. 11.Inter CBS Post office Transactions (INTERSOL TRANSACTIONS) (SB Order No. 7/2015) Procedure is same as given above. However some important points are reproduced below in short. In CBS environment, transactions can be initiated in any CBS Post Office. Financial Transactions: Any depositor of Savings, RD, TD, MIS, SCSS, PPF or Certificates can initiate Financial Transactions at any CBS Post Office. In respect of accepting deposits, no extra care is required to be taken. As regards, payment of maturity value of MIS/ RD/ SCSS/ TD/ PPF/ Certificates, procedure given in the relevant scenario should be followed (scenario: 2 & 5). Withdrawal from savings Account for more than for Rs.50,000/- , it should be allowed only if signatures are available in the system and are tallied. All Financial Transactions should be verified immediately by Supervisor/SPM at the same office when initiated by PA. Amount of the transaction would also appear in Consolidation of the same office. No transaction would appear in the office where account / certificate stands. Extra care should be taken at the time of such transactions. ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ CBS Finacle Work Flow Process with BO Transactions –3rd Edition – 15th August 2015:CPC & WTCs Odisha Page 50 of 103